Podcasts about clarify

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney Whitney Knox Lee Explains practical estate‑planning strategies—wills, trusts, powers of attorney—and how entrepreneurs, families, and especially parents of disabled children can protect assets, avoid costly probate, and maintain eligibility for critical benefits. The conversation also touches on integrating insurance with estate planning, small‑business contingency planning, and Lee’s personal mission and background in civil rights work. Purpose of the Interview Educate listeners on estate planning as a wealth‑preservation strategy (not just documents)—to reduce court costs, taxes, and confusion for families. Clarify the differences and roles of wills, trusts, and powers of attorney, including when each is appropriate and how they work together.] Highlight special considerations for entrepreneurs and families with disabled children or aging relatives, including insurance, operating agreements, and special‑needs planning. Share Lee’s values and practice approach, including culturally responsive service and sustainable advocacy rooted in prior civil‑rights work. Key Takeaways 1) Wills vs. Trusts vs. Powers of Attorney A will is not the plan—it’s just one piece and still goes through probate, which can be slow and expensive; think of a will as a “letter to the judge.] Revocable living trusts can help families bypass probate, reduce delays, and retain more control over how assets are managed after death. Powers of attorney (financial and health) are essential for incapacity scenarios; even 18‑year‑olds heading to college should have them so parents can access information if needed. 2) Why Insurance Belongs in the Plan Life insurance can protect the family’s ability to keep the home by paying off a remaining mortgage or covering living expenses—turning an asset into a sustainable legacy rather than a burden. For entrepreneurs, key‑person insurance can replace income when the owner can’t work, keeping the business afloat. 3) Minimizing Probate Costs and Taxes Probate involves court filings and legal fees; in some states fees scale with estate size (example discussed: percentage‑based fees in other jurisdictions), which can significantly erode wealth passed to heirs. Proper planning reduces those leakages. 4) Special‑Needs and Elder Planning Parents of children on need‑based benefits (e.g., Medicaid) must avoid transfers that jeopardize eligibility; the right trust structures preserve benefits while providing support. Elder law planning anticipates long‑term care costs (nursing home, assisted living, in‑home care) so families don’t have to deplete assets later. 5) Business Continuity for Owners Establish operating agreements and buy‑sell agreements that spell out who runs the business if the principal is incapacitated; pair with business powers of attorney. 6) Values, Audience, and Access Lee intentionally centers Black and Brown women and their families, grounding services in community uplift and transparent referrals to trusted financial pros (no paid referral arrangements). Contact approach: 15‑minute intake, then a four‑meeting process (legacy planning → design → review → signing). Notable Quotes (for pull‑quotes & captions) “Think of a will as a letter to the judge… a will still has to go through probate court. “A trust allows families to bypass probate altogether so they aren’t paying legal fees or leaving things to people who want to challenge the will. “Life insurance is a huge tool—it can help the family pay off the mortgage so they can keep the home and the equity.” “Estate planning is a strategy—not just documents.” “Even 18‑year‑olds should have powers of attorney—parents can’t just call doctors once kids are legal adults.” “I stay in my lane—I’m an attorney. I work closely with trusted financial professionals and make non‑compensated referrals.” “For special‑needs planning, don’t jeopardize need‑based benefits—use the right trust so support continues. “I want to build a sustainable practice that lets me serve my community and rest well, aligned with my family and values.” Quick Action Items (for listeners inspired by the episode) Draft or update POAs (financial and health) for every adult in the household, including college‑age children. Evaluate whether a revocable living trust makes sense to avoid probate and retain post‑death control. For business owners: review operating agreement / buy‑sell, add key‑person insurance, and create a business POA. Families with special‑needs dependents: consult on special‑needs trusts to protect benefits. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney Whitney Knox Lee Explains practical estate‑planning strategies—wills, trusts, powers of attorney—and how entrepreneurs, families, and especially parents of disabled children can protect assets, avoid costly probate, and maintain eligibility for critical benefits. The conversation also touches on integrating insurance with estate planning, small‑business contingency planning, and Lee’s personal mission and background in civil rights work. Purpose of the Interview Educate listeners on estate planning as a wealth‑preservation strategy (not just documents)—to reduce court costs, taxes, and confusion for families. Clarify the differences and roles of wills, trusts, and powers of attorney, including when each is appropriate and how they work together.] Highlight special considerations for entrepreneurs and families with disabled children or aging relatives, including insurance, operating agreements, and special‑needs planning. Share Lee’s values and practice approach, including culturally responsive service and sustainable advocacy rooted in prior civil‑rights work. Key Takeaways 1) Wills vs. Trusts vs. Powers of Attorney A will is not the plan—it’s just one piece and still goes through probate, which can be slow and expensive; think of a will as a “letter to the judge.] Revocable living trusts can help families bypass probate, reduce delays, and retain more control over how assets are managed after death. Powers of attorney (financial and health) are essential for incapacity scenarios; even 18‑year‑olds heading to college should have them so parents can access information if needed. 2) Why Insurance Belongs in the Plan Life insurance can protect the family’s ability to keep the home by paying off a remaining mortgage or covering living expenses—turning an asset into a sustainable legacy rather than a burden. For entrepreneurs, key‑person insurance can replace income when the owner can’t work, keeping the business afloat. 3) Minimizing Probate Costs and Taxes Probate involves court filings and legal fees; in some states fees scale with estate size (example discussed: percentage‑based fees in other jurisdictions), which can significantly erode wealth passed to heirs. Proper planning reduces those leakages. 4) Special‑Needs and Elder Planning Parents of children on need‑based benefits (e.g., Medicaid) must avoid transfers that jeopardize eligibility; the right trust structures preserve benefits while providing support. Elder law planning anticipates long‑term care costs (nursing home, assisted living, in‑home care) so families don’t have to deplete assets later. 5) Business Continuity for Owners Establish operating agreements and buy‑sell agreements that spell out who runs the business if the principal is incapacitated; pair with business powers of attorney. 6) Values, Audience, and Access Lee intentionally centers Black and Brown women and their families, grounding services in community uplift and transparent referrals to trusted financial pros (no paid referral arrangements). Contact approach: 15‑minute intake, then a four‑meeting process (legacy planning → design → review → signing). Notable Quotes (for pull‑quotes & captions) “Think of a will as a letter to the judge… a will still has to go through probate court. “A trust allows families to bypass probate altogether so they aren’t paying legal fees or leaving things to people who want to challenge the will. “Life insurance is a huge tool—it can help the family pay off the mortgage so they can keep the home and the equity.” “Estate planning is a strategy—not just documents.” “Even 18‑year‑olds should have powers of attorney—parents can’t just call doctors once kids are legal adults.” “I stay in my lane—I’m an attorney. I work closely with trusted financial professionals and make non‑compensated referrals.” “For special‑needs planning, don’t jeopardize need‑based benefits—use the right trust so support continues. “I want to build a sustainable practice that lets me serve my community and rest well, aligned with my family and values.” Quick Action Items (for listeners inspired by the episode) Draft or update POAs (financial and health) for every adult in the household, including college‑age children. Evaluate whether a revocable living trust makes sense to avoid probate and retain post‑death control. For business owners: review operating agreement / buy‑sell, add key‑person insurance, and create a business POA. Families with special‑needs dependents: consult on special‑needs trusts to protect benefits. #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

When You Stop Second-Guessing Yourself as a Homeschool Mom, Self-Leadership Begins Many homeschool moms quietly live with a constant undercurrent of doubt. Am I doing enough? Am I doing this right? In this episode, Teresa sits down with Hilary to explore what happens when a homeschool mom stops second-guessing herself and begins leading her life and family with confidence. Hilary shares her journey through exhaustion, comparison, and feeling uprooted — and how reclaiming her voice and stepping into self-leadership transformed not only her homeschool life, but the atmosphere of her entire family. Insights on How to Stop Second-Guessing as a Homeschool Mom How Hilary navigated the chaos of moving, renovations, and family life while feeling lost and off-balance. Recognizing the hidden pressure to seek approval from others, even as a naturally strong and independent person. The moment Hilary realized that leadership is where you are — no title required — and how that insight shifted her approach to life and family. Practical tools that helped Hilary reclaim her energy and confidence: Visualization exercises to clarify personal and family goals Morning journaling practice to reconnect with herself and her priorities Creating community through book clubs, shared experiences, and collaborative projects How living intentionally and aligned with your values — prioritizing relationships, depth, and presence — transforms both your life and your children's experience. Examples of bringing learning and life to life with her kids: celebrating literature, exploring hands-on projects, and building meaningful family traditions. What This Episode Is About: Key Takeaways You are enough. Even strong, capable women can fall into comparison, but practicing trusting yourself and listening within is what you need. Leadership comes from within. Knowing your strengths, setting boundaries, and showing up authentically can transform and energize your family and community. Intentional living fuels growth. Clarity about values, priorities, and personal goals keeps you aligned through life's busy seasons. Your children mirror your energy. Modeling calm, confidence, and grounded presence shapes their inner voices and approach to life. Community amplifies impact. Collaborating with friends and other families creates memorable experiences and mutual support. And it’s just so much darn fun! Questions to Sit With Teresa paused during this episode and asked these questions directly. If you haven't answered them yet — here's your space. Where in your life are you seeking approval from others? How could you shift that inward? What small, intentional action could you take today to live your leadership more fully? How can you build meaningful family or community experiences that energize everyone involved? Stop Second-Guessing as a Homeschool Mom: Resources to Reclaim Your Confidence Reimagine & Renew Homeschool Mom Retreat Step away from the overwhelm and reconnect with your confidence, clarity, and joy as a homeschool mom. This immersive retreat helps you: Clarify your values, priorities, and family vision Build practical strategies for intentional living and confident leadership Create space for connection, reflection, and rejuvenation with other homeschool moms Reserve your spot and start leading your life and homeschool journey with clarity and energy → Bonus: Every attendee receives a downloadable Wellness Journal for Homeschool Moms and a chance to win a private coaching session with Teresa. Save Your Seat! Aligned Life & Homeschool Coaching If you're craving more than a moment of clarity — if you want transformation that becomes your new normal — the Aligned Homeschool Reset Session is your next step. Teresa works with homeschool moms who are feeling overwhelmed, burned out, or quietly questioning if they're enough. She's been exactly where you are — navigating chaos, building confidence, and creating intentional, joyful homeschool lives. In an Aligned Homeschool Reset Session, you'll: Clarify your values and priorities so you can homeschool with confidence Explore practical strategies for leading your life and your family with intention Discover ways to show up fully for your kids while staying grounded and energized If you're ready to stop surviving and start thriving, Teresa would love to walk alongside you. Book your Aligned Homeschool Reset Session with Teresa → Book a conversation with Teresa Share This Episode Know a homeschool mom who needs to hear this? Send her this episode. Facebook Instagram Pinterest Linkedin YouTube Latest episodes you might also enjoy: Stop Second-Guessing as a Homeschool Mom (& Use Your Magic) March 17, 2026 “You’re Not Falling Apart. You’re in the Winter Homeschool Slump.” March 10, 2026 The Lies Homeschool Moms Believe That Makes Everything Harder March 2, 2026 You’re Not Failing. You’re Caught In An Inner Critic Loop. Here’s How to Get Out February 24, 2026 How to Stop People-Pleasing as a Homeschool Mom (One Mom’s Story) February 17, 2026 How to Stop the Inner Critic as a Homeschool Mom: The Charmed Life I Was Chasing (& the Pattern I Didn’t Know I Was Living) February 10, 2026 The Most Important Way to Take Care of Yourself as an Overwhelmed Homeschool Mom February 2, 2026 How to Do Kindergarten in Your Homeschool: A Fun & Effective Guide January 29, 2026 The Real Reason You’re Overwhelmed (It’s Not the Curriculum) January 26, 2026 Unexpected Feelings When Your Homeschooler Gets Accepted to University January 22, 2026 How to Stop Being a Hostage to Homeschool Pressure (& What to Do Instead) January 19, 2026 The Truth About Finding Your Homeschool Rhythm January 13, 2026 The Confident Homeschool Mom Podcast: Introducing the 1% Pivot January 6, 2026 Purpose-Driven Homeschool Planning for 2026: How to Recalibrate the Year with Clarity December 23, 2025 1% Shift to a Calm Homeschool Life December 23, 2025 12 Things I've Learned About Homeschool Moms: Self-Care Tips for Overwhelmed Homeschool Moms December 10, 2025 12-Day Homeschool Mom Self-Care Challenge to Come Back to Yourself December 2, 2025 What is the Reimagine Your Homeschool Group Coaching? November 18, 2025 Not Just a Homeschool Mom — Why You’re Disappearing (And How to Come Back) November 11, 2025 Teaching World War to a Homeschooled Eight Year Old November 10, 2025 Reimagine Your Homeschool: Feel Free, Inspire Curiosity and Do What Works November 5, 2025 the role of imagination in a home education November 4, 2025 Helping Our Kids Live Their Lives on Purpose: A Practical Guide for Homeschool Moms October 28, 2025 How to Set Realistic High School Expectations? Learn Human Development October 20, 2025 How to Build Homeschool Routines that Support YOU October 14, 2025 Why Deschooling? To Feel Confident, Certain & Good Enough October 7, 2025 The Ultimate Guide to Building Boundaries and Healthy Relationships for Homeschool Moms September 23, 2025 Ultimate Homeschool Overwhelm Quiz That Reveals Your Hidden Stress Triggers in 5 Minutes September 15, 2025 Start Homeschooling in British Columbia: How to Decide September 9, 2025 How to Create an Effective Homeschool Routine that Works for You September 2, 2025 Interest-Led Homeschool for Confident Moms: An Enneagram 8 Mom's Story of Growth August 28, 2025 How Do I Unschool My Child? 5 Simple Steps to Spark Natural Learning August 19, 2025 9 Mistakes That Make Your 1st Homeschool Year Stressful (& How to Avoid Them) August 13, 2025 Top Tips for New Homeschool Moms in Season 3 August 11, 2025 5 Challenges Working Homeschool Moms Face—And How to Overcome Them August 5, 2025 How to Manage Overstimulation as a Homeschool Mom July 30, 2025 Reclaim You: Rediscover Life Beyond the Homeschool Mom Role July 22, 2025 A Summer Reset for Homeschool Moms: The Secret to a More Peaceful Year Ahead July 15, 2025 How to Help Reluctant Writers: Julie Bogart on Homeschool Writing July 7, 2025 7 Ways Brené Brown Rescued Me from One of those Homeschool Days June 30, 2025 Morning Affirmations for Homeschool Mama: A Simple Practice for You to Parent with Intention June 24, 2025 5 Overlooked Mistakes That Are Stressing You Out as a Homeschool Mom (& How to Fix Them) June 18, 2025 The Soul School Way: Books as Mirrors, Windows, and Voices for Homeschool Families June 3, 2025 Sibling Bickering in Homeschool Families: What's Normal & How to Handle It May 27, 2025 Homeschool Mom Boundaries: 6 Truths That Will Set You Free May 20, 2025 How the Mother Wound Affects Homeschool Moms—and How to Break Free May 12, 2025 Homeschool Mom Boundary Issues? You’re Not Doing This… May 6, 2025 How to Deschool as a Homeschool Mom and Rediscover Your Identity April 30, 2025 How my story of deschooling brought more freedom & purpose April 22, 2025 How to Know if Deschooling is Right for You: 7 Signs you Need to Deschool April 13, 2025 Subscribe to the Homeschool Mama Self-Care podcast YouTube Apple Audible Spotify (function(m,a,i,l,e,r){ m['MailerLiteObject']=e;function f(){ var c={ a:arguments,q:[]};var r=this.push(c);return "number"!=typeof r?r:f.bind(c.q);} f.q=f.q||[];m[e]=m[e]||f.bind(f.q);m[e].q=m[e].q||f.q;r=a.createElement(i); var _=a.getElementsByTagName(i)[0];r.async=1;r.src=l+'?v'+(~~(new Date().getTime()/1000000)); _.parentNode.insertBefore(r,_);})(window, document, 'script', 'https://static.mailerlite.com/js/universal.js', 'ml'); var ml_account = ml('accounts', '1815912', 'p9n9c0c7s5', 'load');

On today's Bible Answer Man broadcast (03/16/26), Hank answers the following questions:How do we know what we should change in the world or leave alone, and what is and isn't the will of God? Lindsey - Memphis, TN (1:01)Whose sins are covered in James 5:20? Billy - Charlotte, NC (4:23)Is the Walk to Emmaus acceptable for Christians? Victor - KS (8:13)Regarding the command to be “Salt and Light”, what is our responsibility when it comes to politics and the media? Craig - Vancouver, BC (15:13)Clarify comments on the Walk to Emmaus. What are they going to tell me that I shouldn't hear? Bob - Bakersfield, CA (21:15)How should we as Christians respond to attacks and persecution against Christians in the world? Stephen - Calgary, AB (22:23)Is William Branham a false prophet? Stephen - Calgary, AB (24:47)

If you've ever looked around your home and thought, “This used to feel like me… but now it doesn't anymore,” this episode is for you. Today, I'm pulling back the curtain and sharing a real Decorating SOS call with Rebecca, a homeowner who's ready to evolve her style. She's transitioning away from the farmhouse trend and moving toward something more timeless, classic, and elevated—with warmth, coziness, and layered design decisions that feel intentional rather than trendy. Her goal? A Southern transitional home that feels polished, welcoming, and thoughtfully put together. But like so many women I work with, Rebecca found herself stuck between two styles—unsure what to keep, what to change, and how to move forward without making expensive mistakes. Inside this call, you'll hear how we: • Clarify what Southern transitional really means in real life • Identify which farmhouse pieces can stay—and which ones are holding the room back • Talk through simple ways to elevate a space without starting over • Discuss how layering textures, materials, and color creates a more timeless feel • Create a clear decorating direction so every future decision becomes easier If you've ever wondered what it's actually like to get personalized decorating help, this episode gives you a behind-the-scenes look at how quickly clarity can happen when you have the right guidance. And if you're ready for that kind of clarity in your own home, I've created something special. For the next couple of days, the Spring Room Reset Bundle is available at a special price. Inside the bundle you'll get: • Two Decorating SOS Calls with me • Three months inside The Collective for continued learning and support • My Redecorating Roadmap to help you prioritize projects and spend your decorating budget wisely It's the perfect combination of personalized guidance, design education, and a step-by-step plan so you can finally create a home that feels cohesive, cozy, and unmistakably yours. But the sale is only happening for a few more days.

Retirement planning questions often intersect with global markets, tax decisions, and long-term investing strategy. In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine listener questions while exploring how portfolio diversification, retirement readiness, and disciplined investing may help shape long-term financial planning. • Evaluate international vs. U.S. stocks when considering portfolio diversification and the potential influence of recency bias in investment decisions. • Assess global market trends and examine how diversified asset allocation may support a long-term retirement investing strategy. • Clarify narratives about the U.S. dollar's global reserve status and consider how central bank actions and global currency dynamics may influence markets. • Consider how owning large multinational companies in a U.S. portfolio may already provide meaningful international economic exposure. • Review how portfolio rebalancing may reposition a diversified investment portfolio when previously underperforming asset classes begin to recover. • Measure retirement readiness by evaluating total net worth and applying the “Rich Ratio” framework—assets divided by spending needs. • Examine how pension income, debt freedom, and lifestyle spending may influence long-term retirement stability. • Compare nondeductible IRA contributions with taxable brokerage accounts when evaluating tax treatment and long-term investment flexibility. • Evaluate strategies for managing financial windfalls, including the tradeoffs between mortgage payoff and directing additional savings toward long-term investments. • Identify foundational investing principles for young adults building wealth early in their careers, particularly when monthly investing contributions may fluctuate. Listen and subscribe to the Retire Sooner Podcast to hear Wes Moss and Christa DiBiase explore ongoing conversations about retirement planning, investment strategy, and long-term financial independence. Learn more about your ad choices. Visit megaphone.fm/adchoices

Who Is the Architect of Your Life? by Scott Rusnak https://www.amazon.com/Audible-Who-Architect-Your-Life/dp/B0FRFGLBSC Scottrusnak.com Do you have the courage to become the architect of your own life? It starts with a simple but powerful shift: Understanding that every “no” creates space for the right “yes.” Say yes to the right things—and your life moves forward with purpose. Say yes to the wrong things—and you'll overcommit. I know this because I've lived it. Early in my career, I said yes to everything. Opportunities, collaborations, and projects that seemed important at the time. But it left me scattered, exhausted, and ultimately stuck. I was “over-committed.” It wasn't until I mastered the discipline of saying NO that I found my stride. My focus sharpened, my impact grew, and I felt more aligned than ever. And in doing so, I felt fully aligned with the life I was meant to lead. In this book's step-by-step process, I take you through a practical, battle-tested process to: Build the Architect's Mindset—so you can design a life you’re proud to live. Clarify your values, your where, your what, and your why Surround yourself with the right people to fuel your growth Set clear, aligned goals—and actually follow through Design your days, weeks, and year to stay on track This isn't theory. It's a system I've used personally and with thousands of high-achieving entrepreneurs, athletes, and executives. You already have what it takes. Now you need the blueprint. Most people will be in the same place next year. Let's make sure that person isn't you.

Designing A Practice That Actually Makes Money:  What if the reason your profit feels tight has nothing to do with your effort and everything to do with your model?  Dr. Stephen and Dr. Pete challenge the inherited chiropractic business structure and expose why it works for the owner operator but collapses under scale. They unpack the critical difference between your practice model and your financial model and explain why adding associates or growing volume without understanding gross profit only magnifies the problem. This conversation walks you through the core financial mechanics that drive sustainable profitability and shows you how to reverse engineer your numbers, so you lead as an intentional CEO. When you understand the math behind your business, you stop reacting to leftovers and start designing predictable profit. In This Episode You Will: Understand why many inherited business structures fail under growth Learn the difference between your practice model and financial model Discover how gross profit and cost structure determine sustainability Clarify what scaling actually requires financially See how to reverse engineer revenue to create intentional profitability Episode Highlights 02:39 - A deeper motivation behind impact and scale is revealed, reframing business growth as a responsibility rather than a personal ambition. 06:25 - A bold claim challenges the inherited chiropractic business model and surfaces the hidden flaw that appears when complexity increases. 07:16 - The owner operator structure is examined, exposing why it feels stable at first but begins to fracture when additional providers are added. 12:46 - The illusion that effort and hustle can compensate for structural financial problems is dismantled with direct clarity. 13:45 - Scaling is redefined as preserving or increasing profitability, separating true growth from simply doing more. 16:23 - The concept of reverse engineering profit introduces a proactive approach to financial leadership instead of reacting to year end leftovers. 22:41 - Breakthrough is framed as impossible inside a broken model, emphasizing the necessity of repair before expansion. 27:50 - Accounting is positioned as the language of business, elevating financial literacy from optional to essential. 30:54 - Clear gross profit margin benchmarks are established, providing a measurable standard for financial health and scalability. 33:30  - Dr. Chris is joined by Success Partner, Dr. David Fletcher of CLA to explore how neurocentric scanning technology transforms chiropractic communication and practice growth. They discuss using objective nervous system data to improve retention, scale with team leverage, increase PVA, and strengthen certainty in care planning. CLA's technology enhances attraction, conversion, collections, and long-term scalability.   Resources Mentioned Learn more about the TRP Remarkable Business Immersion on March 20 - 21, 2026 in Brisbane, AUS - https://theremarkablepractice.com/upcoming-events/   To learn more about the REM CEO Program, please visit:  http://www.theremarkablepractice.com/rem-ceo For more information about CLA please visit: https://insightcla.com/ Book a Strategy Session with Dr. Pete - https://go.oncehub.com/PodcastPC Prefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1 To listen to more episodes, visit https://theremarkablepractice.com/podcast or follow on your favorite podcast app.

You've recognized the moment. You've aligned. You've inserted value. You've supported others. Now it's time to elevate.In this final part of the R.A.I.S.E. framework, I'm challenging you to stop leaving your growth up to interpretation. Silence inhibits opportunity. If you don't anchor your value and raise your hand, someone else will. Elevate is about understanding your differentiator, naming your ROI, and making it easier for others to see where you belong. You'll walk away clear on how to advocate for yourself in a way that feels intentional, not self-serving.In this episode, I'll cover:Clarify what makes you uniquely valuable and why it mattersRaise your hand for opportunities before they pass you byFrame self-advocacy as ownership, not ego_____________________

What could you learn by observing? In this episode, Michelle and Chase explore the often-overlooked power of observation, and why simply spending time in other departments, with intention, can be one of the most valuable development experiences in an organization.  They talk about how stepping into the day-to-day work of other teams helps you understand the business on broader and deeper level, see member impacts more clearly, and build relationships that strengthen relationships.  You'll also discover how observation can accelerate your own career growth by expanding your business acumen, relationships, and perspective.  Sample language to initiate a department visit:  Hi (so-and-so), I'm working on (insert your project or responsibility), and I'd like to shadow (insert a specific activity) for (a specific timeframe) to understand how your team (does a specific activity). My goals for this are: Learn (specific process) so I can (make a specific impact). Clarify opportunities so I can support your team better in my role. If this works, I can meet at your convenience and I will come prepared with a short list of questions and will respect your team's workload and schedule. Thanks for your consideration! (Your name) Got a question? Ask us! Do you have a question you'd like to hear answered on Career Dreams? You can submit an audio recording of your question to be featured on an upcoming episode!  Like it? Share it! If you're finding value in exploring your Career Dreams through this podcast, please share it with your friends, followers and colleagues! Also, your ratings and reviews help others find the show...so please, let us know what you think! You can share your Career Dreams with us anytime via email: careerdreams@forumcu.com. To learn more about making your Career Dreams come true at FORUM Credit Union, visit our website:  https://www.forumcu.com/careers Dream on!

Today, Eric addresses the uncertainty we're experiencing in the world. Uncertainty has become the new normal, and our industry has shifted fundamentally with buyers being more cautious, procurement tighter than ever, and AI reshaping how we work. However, that uncertainty also provides opportunities. Our Industry Has Changed Permanently You must be cautious about every buying decision. Procurement teams are asking tougher questions. AI is transforming how work gets done. At the same time, as technology increases, so does the desire for real human connection. With many owners retiring and no clear successors in place, consolidation is creating space for those who are prepared. There is disruption, but there are also real opportunities. A Fragile  Business If everything in your business relies on you, the business is vulnerable. Tough markets reveal when revenue is inconsistent, messaging is unclear, or too much income depends on one client. They also show when the owner has become the bottleneck. A business that can perform well only when conditions are easy is not well-structured. It is running on momentum. Building it as if you might sell it one day forces you to delegate, build stronger systems, and create long-term stability. Clarity Clarity is your competitive advantage. Uncertain times expose weak positioning, unclear offers, revenue concentration, and emotional decision-making. If you cannot quickly explain who you serve, the problem you solve, and why you're different, you will struggle when budgets tighten.  Emotional Reactions Undermine Growth When pressure rises, it's easy to react. Panic marketing, heavy discounting, agreeing to everything, overworking, or avoiding financial reviews may feel productive, but they erode value. Operating in survival mode replaces strategy with short-term fixes. And hope, no matter how positive, is not a viable financial plan. Five Non-Negotiables Five areas deserve consistent attention: financial clarity, focused positioning, a predictable revenue engine, disciplined time management, and emotional control. Those are leadership fundamentals, and when they are strong, uncertainty becomes manageable. Financial Clarity Know your monthly break-even. Know your six-month runway. Understand your cash flow forecast and your pipeline. Review your KPIs weekly. You don't have to prepare every report yourself, but you must understand the numbers. When you know where you stand, uncertainty loses much of its power. Focused Positioning Generalists struggle in tight markets. Be clear about who you serve, the problems you solve, and why your experience makes you the right choice. If you can explain your positioning confidently in 30 seconds, you're already ahead. Clear positioning attracts the right clients and filters out the wrong ones. A Predictable Revenue Engine Referrals are valuable, but they are not enough for consistent growth. Track your indicators, your calls, meetings, proposals, conversion rates, and follow-ups. Put simple systems in place so the business does not rely solely on your personal energy. The less the day-to-day business operations depend on you, the more valuable and sustainable the business becomes. Blocking Time Block time for revenue-generating work. Block time for strategic thinking. Block time to review your numbers. Block time for team alignment and mentorship. If growth matters, it needs space in your calendar. Calm Is Contagious Your team and clients take their cues from you. When you remain calm and steady, they feel reassured. When you react emotionally, your instability spreads. Entrepreneurship will always have its highs and lows. Calm, steady leadership creates confidence in any situation. A 30-Day Reset Audit your financial runway. Clean your pipeline and assign realistic probabilities. Clarify your core offer in one sentence. Remove at least one low-margin distraction. Schedule weekly CEO time. Small, consistent structure creates meaningful momentum. Conclusion Uncertainty is a reality, and consolidation is accelerating. Those with structure, clarity, and discipline will benefit; those without them will struggle. Whether you run a solo business or lead a large team, processes, financial visibility, and calm leadership are essential. Focus on what you can control, build the structure, and keep moving forward. Connect with Eric Rozenberg On LinkedIn Facebook Instagram Website Listen to The Business of Meetings podcast Subscribe to The Business of Meetings newsletter  

Global headlines are colliding with markets—from geopolitical tension to rising oil and shifting labor trends. In this episode of the Money Matters Podcast, Wes Moss and Connor Miller break down what's driving volatility and what investors may want to understand when evaluating long-term portfolio strategy. • Evaluate how geopolitical tensions and global conflict headlines may influence market volatility and investor sentiment. • Interpret the recent drop in the Dow, rising oil prices, and weaker jobs data to understand how multiple economic pressures can converge. • Analyze why the Strait of Hormuz remains a critical energy chokepoint and how oil supply disruptions may ripple through inflation and markets. • Review more than a century of historical market behavior following geopolitical conflicts to frame today's headlines in context. • Assess how inflation, interest rates, and energy prices interact—and how those forces may influence Federal Reserve decisions. • Examine labor market shifts, layoffs, and the evolving role of artificial intelligence in the global workforce. • Clarify the narratives around the U.S. dollar, gold, and global currencies when evaluating claims of “de-dollarization.” • Recognize why diversification, disciplined investing, and understanding what you own may remain central to long-term portfolio construction. Listen and subscribe to the Money Matters Podcast for context on today's market headlines and the broader forces shaping investing decisions.

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

This powerful exploration of Romans 10 confronts us with a beautiful paradox at the heart of the gospel: salvation is freely offered to everyone who calls on the name of the Lord, yet God sovereignly knows who will respond. We're challenged to hold both truths simultaneously - divine election and human responsibility - like viewing a cone that appears as both a circle and a triangle depending on our perspective. The message emphasizes that we live in prophetically significant times, with ancient biblical prophecies about nations like Persia (modern-day Iran) unfolding before our eyes. This isn't cause for panic but for peace, because we've read the end of the book and know God remains in control. The call is urgent: we are the generation chosen to proclaim Christ in these last days. Every believer is commissioned as a preacher, sent into the mission field of daily life to share the hope within us with gentleness and respect. Our lives should radiate such peace amid chaos that others ask what makes us different. The question isn't whether God's promise is available - it's whether we'll answer the call to be those with beautiful feet who carry the good news to a world desperately needing to hear it.Sermon Notes – Romans 10:13–21  --------------------------------  DETAILED NOTES  --------------------------------  I. The Promise Is Persuasive (vv. 13, Joel 2:32)  - “Everyone who calls on the name of the Lord will be saved.”  - No boundaries: not race, class, morality, background, or performance.  - Tension:   - God elects, calls, saves (Rom 8:29–30).   - Yet the invitation is to “everyone.”  - Analogy: cone = circle from one angle, triangle from another; we lack the extra “dimension” to fully grasp how divine sovereignty and human responsibility fit together.  - In Joel 2:32 both sides appear:   - “Everyone who calls…shall be saved.”   - “…among the survivors shall be those whom the Lord calls.”  II. The Power of Preaching (vv. 14–15; 1 Pet 3:15; 1 Cor 1:18–21)  - Paul's “how” chain (reversed):   5. Beautiful are the feet of those who preach good news.   4. They can't preach unless sent.   3. They can't hear without someone preaching.   2. They can't believe what they've never heard.   1. They can't call on whom they haven't believed.  - Foundational issue: Do we know the good news well enough to share it?  - Preaching isn't just for pastors; every believer is “sent” (Eph 4:12).  - Our lives and testimonies are part of the message; God uses “the folly” of weak people with a perfect gospel to save.  - In a world of noise, fear (wars, economy, confusion), believers' peace and confidence are a powerful witness.  III. The Problem of Unbelief (vv. 16–21)  1. Lack of Faith  - Faith comes by hearing, and hearing through the word of Christ (v.17).  - Salvation is received only by faith in Christ's finished work (Rom 5:2; Eph 2:8; Heb 11).  - We are more “blessed” than those who saw Jesus physically but did not have to (John 20:29).  2. Willful Ignorance / Suppression (Ps 19; Rom 1)  - Creation universally proclaims God's glory; no one has a valid excuse.  - Evolution and materialism often used to dodge accountability to a Creator.  - If there is a Creator and an Author, then His standards are binding.  3. Pride (esp. Israel's example)  - Israel had maximum revelation yet often refused God.  - Called to be a light to the nations (Isa 49:6; Mic 4:1–2) but hoarded truth instead.  - Jonah: a prophet who would “rather die” than see Gentiles repent; a picture of nationalistic pride and spiritual hard-heartedness.  4. Love of Sin (John 3:16–21; Rom 1:32)  - People love darkness rather than light because their deeds are evil.  - Not only practice sin but approve of others who do.  - We resist God like a child shouting “no” to every loving boundary.  IV. Our Moment in History  - Rapid fulfillment of prophecy; increasing pressure and confusion.  - God is purifying a people who:   - Hold to His Word,   - Refuse to compromise,   - Stand with biblical clarity in a dark, chaotic age.  --------------------------------  PRACTICAL APPLICATIONS  --------------------------------  1. Clarify the Gospel  - Write out the gospel in a few sentences; practice explaining it simply.  2. Live as “Sent Ones”  - Ask daily: “Lord, who are you sending me to today?”  - Look for people who notice your peace, then share the reason for your hope (1 Pet 3:15).  3. Strengthen Your Faith  - Spend regular time in Scripture—especially Romans, John, and Psalms—to deepen confidence in Christ.  4. Confront Pride and Sin  - Ask the Spirit to reveal areas where you:   - Assume you “deserve” salvation, or   - Refuse to surrender favorite sins. Repent quickly.  5. Grow in Bold, Gentle Witness  - Pray for boldness + gentleness.  - Set a goal: share your testimony or the gospel with at least one person this week.  --------------------------------  DISCUSSION QUESTIONS  --------------------------------  1. How do you personally hold together “everyone who calls” and God's sovereign election without dismissing either?  2. On a scale of 1–10, how prepared do you feel to explain the gospel? What would help you grow?  3. Where have you seen God use your story (testimony) to impact someone else?  4. Which obstacle to belief hits closest to home for you: lack of faith, pride, or love of sin? Why?  5. In what ways might we be acting like Jonah—resenting or avoiding certain people or groups God wants to reach?  6. What specific steps can your group take to live more as “sent ones” in your workplaces, schools, and neighborhoods?

How to Move to Mexico: Visas, Costs, Taxes, and the Best Places to Live Mexico is one of the most popular countries in the world for Americans who want a lower cost of living, a warmer climate, and a richer day to day culture without moving halfway across the planet. Many expats are retirees, remote workers, or entrepreneurs who find that their money goes further while they gain a more relaxed lifestyle. For someone in the southwestern U.S. (like Arizona), Mexico is especially appealing because you can often drive instead of fly, keep close ties with friends and family, and still feel like you've made a big lifestyle upgrade. This guide walks through why and where to move, what it really costs, how visas work, how Mexican taxes function, when you might owe them, and other real world considerations that don't always show up in glossy travel articles. ________________________________________ Why move to Mexico? People move to Mexico for a mix of financial, personal, and lifestyle reasons. You can open this section with a simple story: for example, a couple selling a house in the U.S., paying cash for a home or condo in Mexico, and cutting their monthly expenses nearly in half while eating better and traveling more. Key motivations to highlight: Lower cost of living Mexico's overall cost of living is significantly lower than in the U.S. Rents in many Mexican cities are substantially cheaper than comparable U.S. cities, groceries and fresh produce are affordable, and services like cleaning, childcare, and home repairs cost far less. A couple who spends 5,000 USD per month in the U.S. can often live comfortably in Mexico on 2,000–3,500 USD per month, depending on city and lifestyle. Proximity and connectivity Unlike moving to Europe or Asia, living in Mexico means you're usually one flight away from your U.S. hometown. Major cities like Mexico City, Guadalajara, Monterrey, Cancún, and Mérida have robust air connections. Internet infrastructure has improved a lot; mid size cities now often have fiber optic service, making remote work highly feasible. Lifestyle and climate variety Mexico is huge and geographically diverse. You can choose from: • Coastal beach towns with surf culture and sunsets • High altitude colonial cities with spring like weather • Mega cities with world class dining, museums, and nightlife • Smaller, artsy towns with vibrant local traditions You get to decide whether you want small town community, cosmopolitan buzz, or something in between. Culture, food, and community You'll never run out of festivals, markets, and regional dishes. For many expats, the biggest upgrade isn't just cheaper rent, but living in a place where there's always music in the plazas, food in the streets, and a sense of community. In many popular locations, there is also an established expat network to help you orient. Healthcare Private healthcare in Mexico is dramatically more affordable than in the U.S. Many expats pay out of pocket for routine care and buy local or international health insurance for major events. In larger cities you'll find modern hospitals and specialists, and in some cases doctors who trained abroad. ________________________________________ Where to move in Mexico Mexico isn't a single experience. Moving to Oaxaca is very different from moving to Mazatlán or Guadalajara. This section should help you “try on” a few places in your imagination. Mexico City Vibe: Big city, cosmopolitan, urban energy. Pros: World class restaurants, museums, art, music, and nightlife; excellent air connections; plenty of coworking spaces and job opportunities with international companies. Cons: Higher rents than many other Mexican cities, traffic and air pollution, security can vary by neighborhood. Mexico City suits people who want an urban life and don't mind density. It works well for younger professionals or creatives, and for remote workers who want big city culture at a lower price than New York, LA, or San Francisco. Guadalajara Vibe: Large city with a strong tech scene and traditional Jalisco culture (mariachi, tequila). Pros: Big city services without quite the chaos of Mexico City, growing startup and tech ecosystem, nearby towns and lakes for weekend escapes. Cons: Some neighborhoods can feel sprawling; traffic is very real; summers can be hot. Guadalajara is a good fit for remote workers and entrepreneurs who want a mix of modern infrastructure and traditional Mexican character. Lake Chapala (Ajijic/Chapala) Vibe: Classic retiree and snowbird destination near a large lake. Pros: Mild climate, large English speaking expat community, social clubs and activities, walkable village feel in places like Ajijic. Cons: Heavy expat presence can make it feel less “Mexican” to some; limited big city amenities compared to Guadalajara. This area is ideal for retirees who want community, comfort, and a gentle pace of life within reach of a major city. San Miguel de Allende Vibe: Picturesque colonial city, artsy, charming, and heavily international. Pros: Beautiful historic center, strong arts and cultural scene, plenty of restaurants and galleries. Cons: One of the more expensive inland cities; tourism and expat presence drive up housing costs. San Miguel appeals to people who prioritize aesthetics, architecture, and culture and are willing to pay a premium. Querétaro Vibe: Clean, orderly, fast growing city with industry and a large middle class. Pros: Safe reputation, good infrastructure, beautiful colonial center, strong job market in manufacturing and services. Cons: Less “touristy charm” in some newer suburbs; housing prices have been rising with growth. Querétaro works well for families and professionals who want a modern, organized city with good schools and services. Puebla Vibe: Historic, livable city with serious food culture and nearby nature. Pros: Gorgeous colonial architecture, famous cuisine (like mole poblano), access to mountains and smaller towns, a mix of traditional markets and modern malls. Cons: Higher altitude and cooler winters than coastal areas; still under the radar for many expats, so less English support than in Lake Chapala or San Miguel. Puebla suits people who love culture, gastronomy, and city life but don't need a huge expat bubble. Oaxaca City Vibe: Cultural and culinary capital with strong Indigenous traditions and arts. Pros: Outstanding food, vibrant markets, year round festivals, access to mountains and rural communities, often lower rents than more famous expat hubs. Cons: Smaller airport and fewer direct international flights; infrastructure can be a bit more rustic compared to megacities. Oaxaca is great for people who want deep culture, don't mind a bit of grit, and prefer authenticity over polish. Mérida and the Yucatán Vibe: Colonial city, family friendly, often cited for safety. Pros: Strong sense of community, rich history, cenotes and beaches nearby, growing expat scene. Cons: Hot and humid much of the year; air conditioning can be essential. Mérida appeals to families, retirees, and anyone who wants a mix of culture and relative safety in a warm climate. Puerto Vallarta / Riviera Nayarit Vibe: Beach town/medium city with a strong expat and LGBTQ+ community. Pros: Ocean, sunsets, whale watching, strong tourism economy, many English speaking services, international airport. Cons: Housing and dining in tourist zones are more expensive; high season crowds; summer humidity. This is an easy landing spot if you want a beach lifestyle and community support from day one. Mazatlán Vibe: Working port city with long beaches and a growing expat presence. Pros: Ocean side living, more “local” feel than some resort towns, improving infrastructure, cost of living that can be lower than in ultra commercial tourist areas. Cons: Humid climate; parts of the city feel industrial; some areas are still rough around the edges. Mazatlán is appealing if you want the Pacific coast without the heavy commercialization and highest prices of places like Los Cabos or Cancún. Place Vibe Big Pros Main Tradeoffs Mexico City Mega‑city Culture, jobs, flights Cost, traffic, pollution Guadalajara Big, traditional Tech scene, culture Sprawl, traffic Lake Chapala Retiree village Mild climate, expat community Fewer urban amenities San Miguel Artsy colonial Beauty, culture Higher housing costs Querétaro Modern, orderly Safety, infrastructure Rising prices Puebla Historic, foodie Cuisine, architecture, nature nearby Less expat support Oaxaca City Cultural hub Food, festivals, affordability Smaller airport, rustic edges Mérida Warm, family‑oriented Safety, history Heat and humidity Puerto Vallarta Beach city Ocean, expat support Tourist prices in key areas Mazatlán Port/beach city More local feel, coast Humidity, some gritty areas ________________________________________ Cost of living in Mexico Readers want numbers, but it's better to provide realistic ranges and examples than a single “magic” figure. Basic cost structure Housing Rents vary wildly by location. A modest one bedroom in a non touristy city might rent for the equivalent of a few hundred dollars per month. In upscale neighborhoods of Mexico City or popular beach towns, modern apartments can cost as much or more than many mid tier U.S. cities. Utilities and internet Electricity is affordable unless you run heavy air conditioning all year, which you might need on the coasts and in the lowlands. Internet and mobile service are reasonably priced, with fiber available in many urban areas. Food and groceries Fresh fruits, vegetables, and staples are cheap, especially if you shop in local markets. Imported items (certain cheeses, specialty products) are more expensive. Eating at local restaurants and street food stalls is inexpensive; high end dining in major cities is still far cheaper than equivalent places in the U.S. Transportation Public transit, taxis, and app based rides are affordable. Owning a car involves fuel, insurance, and maintenance costs, but these are usually lower than in the U.S. You can often live car free in dense cities like Mexico City, Guadalajara, or Puebla. Example monthly budgets (rough, per household) Frugal single in a non touristy city • Rent (studio/1 bed): 400–600 USD equivalent • Utilities and internet: 70–120 • Groceries and local dining: 250–350 • Local transport and misc.: 100–150 • Total: roughly 800–1,200 USD per month Comfortable couple in a mid range city • Rent (nice 2 bed apartment): 700–1,200 USD • Utilities, internet, mobile: 120–200 • Groceries and eating out several times a week: 400–600 • Health insurance (local or international): 200–400 • Transport, entertainment, gyms, etc.: 200–400 • Total: roughly 1,600–2,800 USD per month Beach town or premium neighborhood living In high demand areas (like parts of Puerto Vallarta, San Miguel de Allende, or prime zones in Mexico City), you can easily spend 2,500–4,000 USD per month or more for a couple if you choose modern housing, eat out frequently, and live a more upscale lifestyle. Startup costs Don't forget one time or irregular costs: • Visa fees for temporary or permanent residency • International flights or moving your belongings • First month's rent plus deposit (sometimes more for furnished places) • Basic furniture and household goods if you're not renting furnished • Car purchase or import (if you choose to have one) Encourage readers to arrive with a cash cushion: at least 3–6 months of living expenses plus relocation costs. ________________________________________ Visa options and residency paths Mexico's visa system offers several ways to stay, depending on your plans and finances. Tourist stay Many foreigners enter Mexico as tourists without a visa and receive permission to stay up to a certain number of days (often up to 180 days, but it is not guaranteed). A tourist stay: • Does not allow you to work for Mexican employers • Does not let you access local residency benefits • Is not meant as a long term “back to back” solution Tourist entries are good for exploration trips but not for a full time move. Temporary resident (Residente Temporal) Temporary residency is the most common path for people who want to live in Mexico for more than six months without immediately going permanent. General characteristics: • Usually granted initially for 1 year, with the possibility to renew up to 4 years • Allows you to live in Mexico full time, open local bank accounts, and sometimes get local health coverage • Does not automatically grant permission to work; if you plan to work in Mexico you need work authorization attached to your residency Most temporary residents qualify via financial solvency (proof of income or savings). Typical recent numbers: • Monthly income requirement: roughly in the low to mid 4,000 USD range for the last 6–12 months, depending on the consulate • Savings/investment requirement: often in the high five figures to low six figures in USD equivalent, again varying by consulate Each Mexican consulate sets its own exact thresholds and evidence rules, so readers must always check with the specific consulate where they'll apply. Permanent resident (Residente Permanente) Permanent residency is ideal if you plan to live in Mexico indefinitely. Characteristics: • No need for frequent renewals • Lets you live in Mexico as long as you like • Often used by retirees or those with strong ties to Mexico (like family connections) You can qualify either: • Directly from abroad if you meet higher income or savings requirements, often thousands of dollars more per month than temporary residency; or • By first holding temporary residency for several years (for many, 4 years), then converting to permanent status inside Mexico. Again, the exact thresholds and documentation depend on the consulate and can change year to year. Work visas and business If you plan to work for a Mexican employer or run a Mexican company that needs your presence, you need proper work authorization. Basic ideas: • A Mexican employer can sponsor you for a temporary resident visa with permission to work if they are registered with the immigration authorities. • You cannot legally work in Mexico for a Mexican entity on a tourist visa. • If you intend to start a business (for example, a hotel, restaurant, or tourism operation), you'll need legal and tax advice to structure it correctly and secure the right visa. ________________________________________ Visa process: step by step overview You can treat this as a checklist. 1. Clarify your plan Decide how long you want to stay and whether you'll work, retire, or just live on savings or remote income. That determines whether you need temporary or permanent residency, and whether you need work authorization. 2. Choose a consulate and check requirements Review the website of the Mexican consulate you'll use (near your U.S. residence, for example). Requirements vary: one might emphasize income, another savings; some want 12 months of bank statements, others 6. 3. Gather documents Typical documents include: passport, completed application form, passport photos, bank and/or investment statements, pension or Social Security award letters, marriage or birth certificates if applying with family members. 4. Book and attend the consulate appointment You'll have a short interview, submit your documents, and pay a fee. If approved, the consulate places a visa sticker in your passport, usually valid for a limited period to enter Mexico and “activate” your residency. 5. Enter Mexico and finalize at immigration (INM) Within a set number of days after entering Mexico on your new visa (often 30 days), you must go to your local immigration office, complete forms, pay fees, and provide biometrics to receive your residency card. 6. Renew or convert (for temporary residents) Temporary residents must renew before their card expires, often annually at first. After the allowed number of years, many can convert to permanent residency. Many applicants use a local immigration facilitator or attorney, especially if their Spanish is limited or if they have a more complex case. ________________________________________ How Mexican taxes work This is where readers start wondering, “How much are Mexican taxes, and what do they tax?” Income tax (ISR) Mexico has a progressive income tax called ISR (Impuesto Sobre la Renta) that applies to individuals. For tax residents (people who are considered resident in Mexico for tax purposes): • The system uses progressive tax brackets. • Rates start at low single digits on small incomes (around 1.9%) and rise stepwise. • The top marginal rate is around 35% on high incomes (at several million pesos per year). • Most employment income is taxed through withholding by the employer, with an annual true up in a tax return. For non residents (people who are not tax resident in Mexico but have Mexican source income): • There is usually an exemption for a small initial amount of income. • Above that, one common pattern is 15% tax on mid range income and 30% on higher income, depending on the type and level of income. You don't need to quote exact peso thresholds to readers; it's enough to say that most ordinary incomes are taxed at moderate rates, while high incomes pay up to about 35%. What income do they tax? For Mexican tax residents, Mexico generally taxes worldwide income: • Wages and salaries from Mexican or foreign employers • Self employment and business income • Rental income from property in Mexico or abroad • Interest, dividends, and capital gains • Some pensions and retirement income, depending on the source and treaties For non residents, Mexico usually taxes only Mexican source income: • Income from work physically performed in Mexico • Rental income from Mexican real estate • Business profits from a Mexican business or permanent establishment • Some Mexican source interest and dividends If your readers are U.S. citizens, remind them: they must still file a U.S. tax return even if they also become Mexican tax residents, and they may be able to offset Mexican taxes through tax credits or exclusions. Value added tax (IVA) Mexico's sales tax is a value added tax called IVA. • The standard IVA rate is 16%, applied to most goods and services, including many consumer purchases and professional services. • There is a reduced rate (often around 8%) in certain border regions to promote competitiveness. • Some items are zero rated or exempt: many basic foods, some medicines, exports, certain types of housing, and some education and health services. As a consumer, you see IVA embedded in most prices, much like sales tax in the U.S. For businesses (like a hotel or restaurant), you collect IVA on sales and remit it to the government. Other common taxes and contributions Depending on what you do in Mexico, you might also encounter: • Social security contributions for employees (if you work for a Mexican employer) • Property taxes (predial), which are generally much lower than typical U.S. property taxes on a comparable property • Vehicle registration fees if you own a car You don't need to go into detail here, but it's worth flagging that these exist and are part of the overall tax picture. ________________________________________ Tax examples: retiree, remote worker, and Mexican employed American These simplified examples assume the person has become a Mexican tax resident (over 183 days per year in Mexico and/or center of vital interests in Mexico). Real world outcomes depend on exact numbers, deductions, the current year's brackets, and treaty interpretation, so they are for illustration only and not tax advice. Example 1: Retiree getting 30,000 USD/year in U.S. Social Security Assumptions: • 30,000 USD/year in U.S. Social Security, no other income. • Exchange rate of 18 MXN per USD → 540,000 MXN/year. • Lives in Mexico full time and is treated as a tax resident. Key points: • Foreign pensions, including U.S. Social Security, may need to be reported to the Mexican tax authority (SAT) once you are a Mexican tax resident. • In practice, some advisors and expats find that U.S. Social Security and U.S. retirement distributions are primarily taxed in the U.S., with Mexico focusing more on Mexican source income, but the safest assumption is that Mexico can tax worldwide income and may expect you to declare it. How you might explain it to readers: • If you are a retiree with 30,000 USD/year in Social Security and no other income, you will still deal with U.S. tax rules on that income. • Once you become a Mexican tax resident, Mexico may require you to report that income, but whether they actually tax it depends on treaty rules and how your situation is interpreted. • A cross border tax professional can tell you whether you'll see any Mexican tax on that Social Security or whether your liabilities remain mostly on the U.S. side. Plain English takeaway: retirees living on moderate U.S. Social Security often don't get hammered by Mexican income tax, but they should plan on at least reporting their income and coordinating U.S. and Mexican filings. Example 2: Remote American worker living in Mexico, making 80,000 USD/year from a U.S. employer Assumptions: • 80,000 USD/year salary from a U.S. company, work performed remotely while living in Mexico. • Exchange rate 18 MXN/USD → 1,440,000 MXN per year. • Spends more than 183 days/year in Mexico, so is a Mexican tax resident. Key points: • Mexico taxes its residents on worldwide income, which includes your U.S. salary. • If you are effectively working from Mexico, Mexico views that as Mexican taxable employment or self employment income, even if your employer is in the U.S. Approximate effect: • At around 1.44 million MXN/year, you'll be in higher ISR brackets, facing a top marginal rate of 35% on the upper slice of your income and a blended effective rate likely in the low to mid 20% range, after standard calculations. • You still file a U.S. return every year. • You may use the Foreign Earned Income Exclusion and/or foreign tax credits to prevent being fully taxed twice. If you're a U.S. citizen working remotely from Mexico and earning 80,000 USD/year from a U.S. employer, expect to owe Mexican income tax as a resident and still file a U.S. return. The good news is that, with proper planning, Mexican tax you pay can usually be credited against your U.S. tax so you're not double taxed on the same income. Example 3: American earning 60,000 USD/year from a Mexican employer Assumptions: • American citizen employed by a Mexican company, working in Mexico. • 60,000 USD/year salary → 1,080,000 MXN/year at 18 MXN/USD. • Treated as a Mexican tax resident. Key points: • This is clearly Mexican source employment income. • Your Mexican employer will withhold ISR from your paycheck based on the progressive tables, plus social security and other payroll contributions. • At roughly 1.08 million MXN/year, you're again in higher brackets, with an effective tax rate that can land roughly in the low to mid 20% range, depending on deductions and credits. • As a U.S. citizen, you still file a U.S. tax return but can typically use foreign tax credits and, possibly, the Foreign Earned Income Exclusion to avoid paying full tax twice. If you're an American making about 60,000 USD/year working for a Mexican employer, you'll see Mexican taxes withheld from every paycheck and you'll still file in the U.S., but in many cases the Mexican tax you pay will substantially offset what you owe the IRS. ________________________________________ When do you have to file Mexican taxes? Taxes depend on tax residency, not just on immigration status (visa type). When do you become a Mexican tax resident? Mexico may treat you as a tax resident when: • You spend more than 183 days in Mexico in a calendar year; or • Mexico is the “center of your vital interests,” meaning your main economic or family ties are there (for example, your spouse and minor children live in Mexico and you earn most of your income from Mexican sources). Residency for tax purposes is a legal determination, not just a personal choice, so it's wise to consult a tax professional if you're unsure. Filing and paying For Mexican tax residents: • Individuals generally file an annual income tax return, often in the spring of the following year (recent years use April 30 as a common deadline). • Some types of income require monthly provisional payments. • Employers withhold tax on salary, and banks or brokers may withhold on interest and other income. For non residents: • Mexican tax is often withheld at source by the payer (for example, a Mexican employer or tenant), at the applicable non resident rates. A simple rule of thumb for your readers: • If you spend less than 183 days in Mexico per year and don't earn Mexican source income, you usually don't file a Mexican tax return (but you still file in your home country). • If you live in Mexico most of the year, own a business there, or earn income from Mexican property or employment, expect to deal with Mexican tax returns and possibly to be treated as a tax resident. Always encourage readers to get cross border tax advice, especially U.S. citizens who may need to coordinate U.S. and Mexican returns. ________________________________________ Other important considerations Rounding out the blog with practical and cultural issues makes it feel grounded. Healthcare and insurance • Many expats use a combination of local private healthcare and insurance (either Mexican private plans or international expat policies). • Some long term residents enroll in Mexico's public healthcare system, but quality and access can vary by region. • Before moving, review how your current health insurance will work abroad and plan for major emergencies. Banking and money • Most people keep at least one bank account in their home country and open a Mexican account after they get residency, making it easier to pay rent and utilities. • Money transfer services and online banks can offer better exchange rates and lower fees than traditional bank wires. • U.S. citizens must also be mindful of foreign account reporting requirements (like FBAR and FATCA). Renting vs buying property • Renting first is usually smart. It gives you time to test neighborhoods, understand noise patterns, get a feel for the climate, and decide if you really like the city. • Buying property in Mexico can be attractive, especially in less expensive markets, but there are legal nuances, including special structures (like fideicomisos) for coastal and border properties. • Using a reputable notario (a specialized legal official) and real estate professionals is critical. Safety • Safety in Mexico is highly regional and neighborhood specific. Some places are very comfortable for day to day life, while others have serious security issues. • Research specific cities and neighborhoods, use recent data, and talk to locals and expats on the ground, not just headline news. • As in any country, common sense precautions (knowing where not to go at night, avoiding displays of wealth, learning local norms) go a long way. Language and integration • Learning Spanish is one of the best investments an expat can make. Even basic Spanish opens doors: cheaper local services, smoother dealings with bureaucracy, better relationships with neighbors. • Integration means respecting local customs, supporting local businesses, and avoiding “little bubble” lifestyles where expats only interact with each other. Working or running a business • Anyone planning to run a hotel, restaurant, tour company, or other business in Mexico needs clarity on immigration status, work authorization, and tax obligations. • A business that employs locals (for example, a hotel/restaurant concept in Puebla or a tourism operation in Oaxaca or Mazatlán) can be both profitable and socially impactful, but it requires upfront planning with local lawyers, accountants, and immigration professionals. • Operating “informally” or on a tourist visa can create serious immigration and tax problems.

In this week's podcast, Michael makes multiple ministerial and/or theological statements and Brent has to decide whether he agrees, wants to give pushback, or needs clarification before answering.

In today's competitive boutique fitness market, "good" simply isn't enough. If your brand isn't current and clearly differentiated, you may be invisible—or worse, interchangeable. Explore how to audit and refresh your brand to resonate today with Alina Cooper and Lisa Taylor in Episode 714:  Is Your Brand Outdated? Proven Ways to Stay Relevant in 2026. Audit the gap: compare your brand intent to actual client perception  Clarify your promise: sell the transformation and experience—then deliver Cultivate vibrancy: refresh your visuals, messaging, offers & tech stacks, Train touchpoints: ensure your team reinforces your promise & evolution Form a habit: embrace relevance as a mindset—not a one-time project Brand drift is subtle over time—but eventually costly. As your clients evolve, your business must adapt as well—without losing your foundation. Recalibrate strategically with Episode 714.  Catch you there, Lise   PS: Join 2,000+ studio owners who've decided to take control of their studio business and build their freedom empire. Subscribe HERE and join the party! www.studiogrow.co www.linkedin.com/company/studio-growco/  

Most developers believe their biggest career challenges are technical. They're usually wrong. The real blockers tend to be invisible — habits, assumptions, and internal narratives that quietly control decisions, communication, and confidence. In this episode of the Building Better Developers Podcast, we talk with coach Kim Miller-Hershon about why talented developers get stuck and how a developer mindset shift creates real forward motion. Progress doesn't start when you learn a new framework. It starts when you change how you think. About Kim Miller-Hershon Kim Miller-Hershon is an international business coach, corporate trainer, and speaker who helps leaders and entrepreneurs get unstuck by thinking differently and taking action faster. She works with executives and business owners on essential leadership skills, including communication, management, and time management—always with a focus on authenticity. Kim also hosts the Unconventional Wisdom About Conventional Wisdom podcast, where clichés are challenged, and fresh thinking takes center stage. Follow Kim on Instagram, LinkedIn, and her website. The Developer Mindset Shift Starts With Seeing Your Patterns Many career frustrations repeat themselves: the same conflicts, the same hesitation to lead, the same communication breakdowns. That's not bad luck — it's a loop. We all carry internal stories about who we are and what we're capable of. Until you recognize those stories, you unconsciously act them out again and again. The moment you notice the pattern, you gain the ability to choose differently. The Awareness Rule You can't move around an obstacle you refuse to see. Coaching isn't about digging through your past — it's about identifying the behavior you're repeating today and deciding what to do next.  Forward motion starts with awareness. Changes How You View Selling Many developers avoid self-promotion because it feels dishonest or pushy. But that discomfort comes from framing it incorrectly. You may dislike selling — but you enjoy buying. Think about the last time someone helped you choose the right tool, product, or service. That interaction didn't feel manipulative. It felt helpful. That's the difference. Reframing Sales Selling isn't convincing people to want something. It's helping the right person solve the right problem. When you focus on value instead of yourself, self-promotion stops feeling uncomfortable and starts feeling professional. The Developer Mindset Shift That Fixes Communication One of the most common workplace misunderstandings looks like this: "I need you to do XYZ." "Got it." Later — ABC is delivered. Both people believe communication happened. It didn't. The fix is surprisingly simple. The Repeat-Back Technique Don't ask: Do you understand? Ask: Tell me what you heard. Until both sides say it and hear it, agreement doesn't exist — only assumptions.  Clear communication is less about talking and more about confirmation. The Developer Mindset Shift From Taking Work to Choosing Work Early in a career, you accept every opportunity available. That's normal — survival requires it. Growth requires a different behavior: saying no. The wrong project, wrong role, or wrong client can stall your progress longer than having no work at all. A developer mindset shift means understanding that movement and progress are not the same thing. Career Filter The goal isn't more work. The goal is the right work. Clarity about what you do — and who you help — eventually attracts better opportunities automatically. Why a Developer Mindset Shift Beats the Overnight Success Myth Tech culture celebrates sudden success stories. A tiny idea becomes massive overnight. Those cases exist — but they are rare. Most careers grow through iteration: testing, adjusting, and gradually aligning strengths with interests. The real goal isn't escaping where you are. It's intentionally moving toward something better.  Forward motion is direction plus consistency. Next Steps You don't get unstuck by waiting for motivation. You get unstuck by changing behavior — even slightly. Start with small actions: - Notice a repeating pattern - Reframe one uncomfortable activity - Clarify one conversation Forward motion rarely comes from a giant leap. It comes from choosing a better next step. This week, try one simple action: Ask someone to repeat back what they heard. You might be surprised how much progress starts with getting unstuck and making one small change. Stay Connected: Join the Developreneur Community

Have you ever felt like God brought you out of something… but you're still not experiencing the freedom you expected? You're no longer where you used to be. But you're not fully where you thought you'd be by now either. In this episode, we walk through the story of the Israelites in Exodus, Numbers, and Hebrews to explore the difference between understandable fear and hardened unbelief—and how that difference can quietly shape our lives. This conversation is for Christian women seeking clarity, peace, and faith-centered wisdom. If you've been feeling stuck, circling the same mountain, or hesitating at the edge of something God may be calling you into, this episode will help you pause and examine your heart with honesty and hope. God's Kindness in the Detour (Exodus 13:17) When God brought the Israelites out of Egypt, He did not lead them the shortest route to the Promised Land. Scripture tells us why: He knew they weren't ready for war. If they saw battle too soon, they would turn back. So He led them another way. What we see here: • God is protective. • Delays can be mercy. • The longer path may be preparation. Sometimes what feels like slow progress is actually kindness. God sees what would overwhelm you. He knows what you're ready to face—and what you're not. Standing at the Edge of the Promise (Numbers 13–14) About a year after leaving Egypt, the Israelites stood right outside Canaan. They had witnessed: • The plagues in Egypt • The parting of the Red Sea • God's daily provision in the wilderness And yet when they saw giants in the land, fear took over. Joshua and Caleb said, “The Lord is with us. Do not fear.” The rest of the people grumbled. They talked about returning to Egypt. They even wanted to stone their leaders. They were right there. The issue wasn't that they felt afraid. The issue was what they did with their fear. There is a difference between: “I'm scared, Lord—but I trust You.” And: “This feels dangerous. I'm going back.” That difference kept them out of the Promised Land. What Hebrews Says About Unbelief (Hebrews 3) Hebrews 3 looks back on this story and gives clarity: They were unable to enter because of unbelief. Not because they lacked evidence. Not because God hadn't shown Himself faithful. Because their hearts hardened. This is where the story becomes personal. Where have we: • Seen God's provision but still doubted? • Asked for guidance but resisted obedience? • Called something “wisdom” when it was actually fear? Fear can sound responsible. It can sound cautious. It can even sound spiritual. But when fear leads us away from trust and obedience, it becomes unbelief. Miracles Don't Automatically Produce Trust It's easy to think, “If God would just move in a big way, I'd never doubt again.” But the Israelites saw miracle after miracle—and still complained. External signs don't automatically create internal surrender. Trust is formed in daily obedience, not dramatic moments. You can witness faithfulness and still grumble. You can experience provision and still resist. The heart posture matters. A Simple Framework for God's Will (1 Thessalonians 5:16–18) Rejoice always. Pray without ceasing. Give thanks in all circumstances. This is the will of God in Christ Jesus for you. Notice how opposite this is from the Israelites' response. Instead of rejoicing, they complained. Instead of praying, they rebelled. Instead of giving thanks, they longed for what enslaved them. Imagine if they had said: “Lord, we're scared. But we remember what You've done. We trust You.” Fear may have remained. But rebellion would not have. Gratitude doesn't erase difficulty. It anchors your heart while you move forward. Time-Stamped Highlights 00:00 – Feeling delivered but not fully free 01:26 – Why God didn't lead Israel the shortest route 02:19 – Spying out the Promised Land 03:44 – Joshua and Caleb's response of faith 05:11 – The cost of hardened unbelief 06:06 – God's protective detours 07:35 – Hebrews 3 and the warning against hardened hearts 10:25 – Personal reflection: where might fear be guiding me? 11:25 – Why miracles don't guarantee obedience 11:54 – A simple picture of God's will 14:21 – Using this story as a mirror, not just history Key Takeaways • God's detours may be protection, not punishment. • Fear is human. Unbelief is a choice. • Being delivered doesn't mean your mindset has fully shifted. • Gratitude and prayer protect your heart from drifting. • Obedience often requires moving forward while still feeling afraid. Pause and ask yourself: Where might fear be disguising itself as wisdom in my life? What has God already shown me that I'm hesitating to trust? What would quiet, faithful obedience look like today? If You're Feeling Stuck If this episode stirred something in you, you may not need more information—you may need clarity. The More Energy & Peace Session is a private, 60-minute, faith-centered conversation where we: • Identify what may be draining your energy • Clarify what's creating frustration or indecision • Map out wise, grounded next steps No overwhelm. No complicated protocols. Just focused insight and direction. If you're ready to move forward with intention instead of circling the same questions, you can book your session at: herholistichealing.com/peace Wherever you are, don't stay stuck in indecision. Clarity creates movement. And faithful movement changes everything.

What happens when a “conservative Bible college kid” becomes a Spirit-filled father-hearted leader… after walking through heartbreak, foster care adoption, trauma, near-death burnout, and a personal encounter with Jesus?In this episode of Greater Formation & Power, Coach Tom sits down with Devin Schubert (aka “the man in orange”) for a raw, hope-filled conversation about:·       Devin's journey from Midwestern Christian roots and rebellion → to ministry and a deeper “yes” to God·       15 years in child welfare, building foster-care support through local churches, and what the Church often misses about caring for families in crisis·       Parenting through severe trauma and mental health challenges — and how chronic stress nearly took his life·       A powerful encounter with Jesus… and why Devin's healing came through a process, not just an instant moment·       The maturity shift: don't chase signs and wonders — chase the Father·       What to do when God feels silent: learning to “find Him in everything,” not just listen for a voice·       Why naming your struggle isn't “negative confession” — it's often the first step to surrender and freedom·       Devin's burden: releasing the Father's love in a way that brings healing, deliverance, and deep safety·       A Nehemiah-style framework for calling: fasting/praying for the plan, then bringing it to the King for favor and protection·       Devin's mission: helping a million people share their stories across media — because your story is part of your purposeDevin closes by praying a tender, powerful prayer for healing — especially for those carrying pain connected to fathers or father-figures. Don't rush off at the end. Sit with it. Receive............................Devin is founder of influence academy where he helps Christian Coaches and speakers grow their influence the way Jesus did. After being on 2 reality TV shows and over 100 stages in 2024 he is on a mission to help people advance the Kingdom. You can learn more about Devin by going to his Facebook page: https://www.facebook.com/schubertdevinYou can learn about his coaching business at  https://storiestostages.com/ __________________________You can connect with Coach Tom at:https://greaterformation.com/Email: Tom@GreaterFormation.com P.S. ... If you are stalled in life, or particularly if you are in transition, here are two ways I can help you Get Clear, Get Focused and Be Fruitful!1. Grab a Free Copy of my "4 Key Steps to Clarity and Fruitfulness" Document. It's a Blueprint to help you move ahead. Click Here2. Work with me:I can help you Clarify, Plan, and take Bold Steps into Your Future. Book a Free 30-Minute Clarity and Fruitfulness Session with me: Click Here

In this episode of Straight Talk on Leadership, Dean breaks down a powerful leadership truth: Not every group is a team.Are you leading a unified team committed to a shared mission — or simply managing a group of individuals focused on their own success?Dean shares practical, no-nonsense strategies to help you:✔ Clarify mission and vision✔ Get everyone on the same page✔ Inspire instead of manipulate✔ Build trust and shared accountability✔ Create a culture of appreciation© 2026 Dean Crisp and LHLN (ALL RIGHTS RESERVED).

Retirement planning isn't one decision—it's a series of trade-offs shaped by rules, markets, and real life. In this episode of the Money Matters Podcast, Wes Moss and Christa DiBiase address listener questions and frame timely retirement, tax, and investment topics in a balanced, long-term context designed to inform—not predict—financial outcomes. • Clarify how TSP protections, RMD rules, and post-retirement investment options interact, and compare staying in the TSP versus rolling to a provider when evaluating fees, Roth conversions, and flexibility. • Evaluate UTMA vs. UGMA accounts for children, including tax treatment, ownership control, and potential financial aid implications. • Reassess the 4% withdrawal rule of thumb, consider adjustments if you own your home outright, and apply the 25X framework when estimating retirement income needs. • Analyze high-yield bond ETFs within a diversified allocation by reviewing risk, yield characteristics, and how they differ from traditional bonds. • Examine whether keeping life insurance near retirement aligns with income protection, estate planning, or legacy objectives. • Explore what pursuing the CFP® designation may require and how a financial planning career path can take shape. Retirement strategy is built on thoughtful evaluation, disciplined allocation, and informed decision-making—not guarantees. Listen and subscribe to the Money Matters Podcast for educational retirement planning, investment strategy, and wealth management discussions grounded in long-term perspective.

Have you ever considered that some of the beliefs shaping your life… aren't actually true?Most of us didn't choose “lies” on purpose. They formed slowly—through words spoken over us, painful experiences, and moments when we were just trying to make sense of life. But those beliefs don't just affect how we think… they shape how we live.In this podcast, I'll help you:Recognize the lies you may be believing about yourself, God, others, and lifeSee two primary ways lies get exposed (God's revelation + people's truth)Learn a simple pathway to overturn them: humility, teachability, God's perspective, honest friendships, and wise mentorsBecause the good news is real: the lies you learned can be unlearned.Fruitfulness follows clarity—and clarity begins when truth replaces false agreements.Reflection questions:What false perspective is God addressing in you right now?What are you doing to respond to it?Who have you invited to speak truth into your life?What might God be surfacing “under the surface” that needs action?__________________________You can connect with Coach Tom at:https://greaterformation.com/Email: Tom@GreaterFormation.com P.S. ... If you are stalled in life, or particularly if you are in transition, here are two ways I can help you Get Clear, Get Focused and Be Fruitful!1. Grab a Free Copy of my "4 Key Steps to Clarity and Fruitfulness" Document. It's a Blueprint to help you move ahead. Click Here2. Work with me:I can help you Clarify, Plan, and take Bold Steps into Your Future. Book a Free 30-Minute Clarity and Fruitfulness Session with me: Click Here

Clarify the conditions of the experiment you're running to determine if the results you're getting are significant (and trending the right direction).Was this helpful? If so then you need to check out the 7 Fundamentals Of Self Improvement which features short summaries of the most popular and impactful episodes from the past 7 years.Takes only 5 minutes to read through them today but it'll help you avoid years of making things so much harder than they need to be. Plus, I bet you'll be surprised to learn what they are...

Stop Racing Someone Else's Race and Start Winning Yours! That's the message Great Practice, Great Life has today. Steve Riley welcomes back Jake Thompson, the Chief Encouragement Officer at Compete Every Day and an Atticus community favorite, to deliver a wake-up call every ambitious attorney and firm owner needs to hear. Drawing fresh inspiration from his two newest books, The Line, a compelling story about touching the line and claiming that extra inch of excellence, and Beat Yesterday, the research-driven guide to outrunning your own yesterday, Jake reveals why the relentless pursuit of being "the best" is quietly sabotaging your fulfillment, your energy, and your firm's long-term growth. Together they expose the hidden traps that derail high-achievers: toxic comparison that breeds complacency or despair, an ego that turns feedback into a personal attack, and the exhausting chase for external trophies (bigger revenue numbers, flashier verdicts, "top firm" status) that never deliver lasting satisfaction. Jake shares clear, immediately usable frameworks to break free: Clarify the real game you actually want to win (your unique vision of a great practice and great life, not someone else's scoreboard). Redefine competition as beating yesterday's version of yourself. Harness small daily margins that create massive separation. Transform uncomfortable feedback (from clients, team members, or lost opportunities) into pure momentum instead of defensiveness. Steve shares a key insight on law firm profitability: lawyers who commit to consistent physical discipline and energy management often double their income within a year—not through magic, but through sharper focus, bolder confidence, the discipline to reject bad cases, and the ability to project the reliability and longevity that high-value clients instinctively trust. If you're ready to silence the comparison noise, stop borrowing other people's goals like ill-fitting clothes, and start building a practice that funds and fiercely protects the life you truly want, this conversation hands you both the mindset revolution and the practical tools to make it happen. -------- In this episode, you will hear: The difference between being the best and becoming your best Clarifying the game you actually want to win in your practice and life How unhealthy comparison fuels ego, complacency, and burnout Using comparison as a learning tool instead of a threat Touching the line and the power of small daily disciplines Why physical health and personal discipline impact financial performance Turning uncomfortable feedback into growth instead of defensiveness -------- Subscribe & Review Never miss an episode. Subscribe on Apple Podcasts, Spotify, or YouTube. ⭐Like what you hear? A quick review helps more people find the show.⭐ -------- If there's a topic you would like us to cover on an upcoming episode, please email us at steve.riley@atticusadvantage.com. -------- Supporting Resources: Jake Thompson https://www.jakeathompson.com/ Book: Beat Yesterday: The Playbook for playing life up to your full potential by Jake Thompson https://www.amazon.com/Beat-Yesterday-Playbook-playing-potential/dp/1636988938/ Book: The Line: A Story of Excellence in the Margins by Jake Thompson https://www.amazon.com/Line-Story-Excellence-Margins/dp/196812716X/ The Summit https://atticussummit.com/ Episode 34: Your Teammates Determine Your Trajectory with Jake Thompson https://atticusadvantage.com/podcast/your-teammates-determine-your-trajectory-with-jake-thompson/ Episode 79: Creating a Legacy of Resilient and Inspirational Leadership with Jake Thompson https://atticusadvantage.com/podcast/creating-a-legacy-of-resilient-and-inspirational-leadership-with-jake-thompson/ Build My Great Team https://atticusadvantage.com/staffing/ Newsletter https://atticusadvantage.com/newsletter-signup/ -------- Curious about optimising your life as an attorney? Contact Atticus to see whether our law firm coaching can help you strengthen attorney success, refine your law firm business strategy, and build a practice that actually supports your life. This podcast for lawyers is part of our broader legal podcast library, offering practical insights on how to grow a law firm through stronger law firm leadership, law firm pricing and management, smarter marketing, intentional hiring, efficient operations, healthy law firm culture, and sustainable profitability, all while addressing law firm burnout and the realities of modern practice. You can also sign up for our newsletter to get practical insights on how to grow a law firm: from law firm leadership and management to marketing, hiring, operations, culture, and profitability, so you can build a Great Practice and a Great Life.

The CE experience for this Podcast is powered by CMEfy - click here to reflect and earn credits.Chronic stress often stems not from how much we're doing, but from why we're doing it. When decisions are driven by obligation, “shoulds,” and external expectations, internal tension rises. But when actions align with our values and intentions, stress decreases and fulfillment increases. Your fulfillment increases when your decisions come from your heart.You'll learn 6 key steps to: ✔️ Recognize obligation-based thinking ✔️ Clarify your core values ✔️ Shift negative thinking ✔️ Make small, aligned decisions that reduce stressIf you're ready to live and lead with greater clarity, calm, and purpose, this episode is for you!Information for Dr. Robyn Tiger & StressFreeMD:Check out StressFreeMDGet the book: Feeling Stressed Is OptionalGet your 4 FREE stress relieving videosPhysicians: join our free private physicians-only Facebook groupRetreatsREVIVE! Lifestyle Medicine Well-Being Group CoachingPrograms on Demand (+ CME)Private 1:1 Coaching (+ CME)Schedule your FREE 30-Minute Stress Relief Strategy CallFollow me on Social Media: InstagramLinkedInFacebookTwitterPodcast websitePlease rate & Review the Show!Contactinfo@stressfreemd.net 

“You can't even begin to talk about results or impact until you actually put something out into the world.” — Kristen SweeneyWhat if the real problem with your content isn't execution, but alignment? In this episode, Kristen Sweeney, founder of Every Little Word, breaks down the invisible work behind great communication: messaging frameworks, internal clarity, operational discipline, and the codified point of view that most companies skip.We explore why B2B brands struggle to articulate what they actually believe, how regulated industries can differentiate without breaking compliance, and why thought leadership without a clear stance is just noise. Kristen also shares how her background in theater shaped her confidence in high-level conversations and why content operations, not just creativity, determine results. If your content feels scattered, generic, or reactive, this episode is your blueprint for fixing it at the foundation.In this episode, you will learn to:Clarify and codify your point of view before producing a single piece of contentExtract real insight from subject matter experts instead of settling for surface-level answersBuild messaging foundations that reduce friction across teams and client communicationDifferentiate in crowded B2B and regulated industries without sacrificing accuracyMove from informational content to perspective-driven leadershipFollow Kristen Sweeney:Website → https://www.everylittleword.comLinkedIn → https://www.linkedin.com/in/kristensweeneyFor more storytelling tips and strategies, visit:Website → https://rainbennett.comPodcast → https://thestorytellinglabpodcast.comOr follow along at:TikTok → https://www.tiktok.com/@chiefstorytellingofficerTwitter/X → https://twitter.com/rainbennettInstagram → https://www.instagram.com/rainbennettFacebook → https://www.facebook.com/thestorytellinglabYouTube → https://www.youtube.com/@RainBennett Hosted on Acast. See acast.com/privacy for more information.

How can you transform exhaustion into a life of purpose and joy?   In this episode of Women of Color Rise, I speak with Patrice Tanaka—award-winning PR leader, author, and founder of the Joyful Planet Consultancy and Joyful Planet Foundation. After co-founding three successful PR agencies, Patrice found herself reeling after 9/11. That moment sparked a radical shift from being a "micromanaging" CEO to a leader driven by joy.   A proud Japanese American woman born and raised in Hawaii, Patrice shares how the "Aloha spirit" guides her work in NYC and how she finally fulfilled her childhood dream of ballroom dancing at age 50.   She shares lessons for rising leaders: •Live Aloha. Bring love and community (Ohana) into every business communication.   •Clarify your purpose. A true life purpose leverages your talents in service of others and the planet, which brings joy.   •Let go of perfection. Especially for women of color, waiting for "perfection" before speaking up is a waste of your brilliant energy.   •Embrace the "Follower" role to be a better Leader. Lessons from ballroom dancing can make you a smarter, more empathetic CEO.   Patrice's journey from "Ayatollah Tanaka" to a Joy Advocate shows that when we lead with purpose, we unleash our greatest success.   Free Purpose Consultation: Patrice is kindly offering a free purpose consultation for our audience. Email her at Patrice@joyfulplanet.com to receive her 11-question questionnaire and schedule a free session to articulate your life and leadership purpose.   Get full show notes and more information here:https://analizawolf.com/episode-120-choose-joy-and-purpose-with-patrice-tanaka  

Leaders today are drowning in meetings, email, reporting, coaching, planning, performance reviews, and constant firefighting. The real issue isn't whether you're busy—it's whether your time, talent, and treasure are being invested in the work that keeps you effective now and promotable next. Why do leaders feel more time-poor even with better tech? Because faster tools have increased expectations, not reduced workload—and they've made "always on" feel normal. The smartphone, Teams chats, dashboards, and instant messaging don't create time; they compress response windows. Post-2020, hybrid work accelerated this, and the global 24-hour cycle became the default for many multinationals, while SMEs often feel it even more because leadership bandwidth is thinner. In markets like Japan, where consensus and alignment matter, leaders can get pulled into "just one more check-in." In the US, speed can dominate; in Europe, governance and process add another layer. Different pressures—same outcome: leaders feel behind, anxious, and exposed to FOMO. Do now: Identify the 2–3 activities that create strategic leverage (not just motion), and block time for them daily—before the inbox wins. Where should a leader spend time when they're far from the frontline? Spend your time building an "insight engine" through people, not trying to personally touch everything. As organisations scale, you operate through others, and the risk is losing texture: you weren't in the client meeting, you didn't hear the objection, you only see the numbers after the fact. Executives at firms like Toyota solve this by turning frontline intelligence into a system—structured feedback loops, customer listening routines, and disciplined reporting rhythms. Contrast that with a startup: founders may still be close to customers, but chaos can make signals noisy. Either way, leaders need an intentional method to "see the battle" without being everywhere. Do now: Create a weekly cadence: one customer story, one frontline barrier, one competitor insight—delivered in a consistent format by your team. How do I stop being trapped in meetings, email, and rework? You don't win back time by working harder—you win it back by redesigning decisions, standards, and accountability. Meetings multiply when decision rights are unclear. Email explodes when priorities aren't explicit. Rework grows when "good" isn't defined and coaching happens too late. Use the same discipline you'd apply to financial controls: define what decisions sit with you vs your direct reports, set quality standards, and coach early. A multinational might formalise this with governance; a small business can do it with simple rules and a one-page "definition of done." Tools like Slack can help visibility, but they can also create another stream of noise if you don't set norms. Do now: Cut or merge recurring meetings by 20%, and replace them with one clear decision log and one weekly coaching slot. What's the "Pluto problem" in leadership, and how do I avoid it? If you stop learning, the world will reclassify you—even if you're still working hard. Pluto didn't move; the definition changed. In 2006, International Astronomical Union changed the criteria, and Pluto became a dwarf planet. Leadership works the same way: the pace of change shifts the job description under your feet. What worked pre-smartphone, pre-AI, or pre-hybrid may now be insufficient. Strategy cycles shorten. Stakeholder expectations rise. Communication channels multiply. Leaders who don't refresh their thinking risk becoming "dwarf leaders"—still present, but no longer the best fit for the next challenge. Do now: Pick one capability to rebuild this quarter (strategic thinking, coaching, executive presence, sales leadership) and measure progress monthly. How can leaders keep their talent current without going back to business school? Treat professional education like fitness: small, regular sessions beat occasional "big bursts." Executive programmes at Harvard Business School, Stanford Graduate School of Business, and INSEAD can be brilliant—but most leaders don't need another credential as much as they need consistent skill renewal. Since the mid-2000s, business changed fast: Facebook launched in 2004, Google went public the same year, Twitterarrived in 2006, and Instagram in 2010. That reshaped attention, branding, recruiting, and leadership communication. Do now: Schedule 60 minutes a week for learning, and 30 minutes a week to apply it with your team—otherwise it's entertainment, not development. How do I spend "treasure" wisely on development and avoid bad training? Buy learning the way you buy investments: verify the assumptions, not the hype. We have more free and low-cost options than ever—previews, reviews, sample modules, peer recommendations. That's a gift, but it also means more low-quality content. Example: the popular "55/38/7" presentation rule gets misquoted constantly. Albert Mehrabian found those ratios apply in narrow situations—when words and nonverbal cues conflict—yet some trainers present it as a universal rule. If a provider can't explain the limits of their own claims, don't hand them your budget. Platforms like LinkedIn Learning can be useful—if you evaluate the instructor credibility and relevance to your market and role. Do now: Set an annual learning budget, test with samples first, and prioritise training tied to measurable KPIs (team output, quality, retention, sales) Final wrap Leadership is a constant trade: you can't do everything, but you can do the highest-value things—consistently. Guard your time with systems, rebuild your talent with habits, and invest your treasure with discernment. The goal is to stay modern, stay credible, and stay promotable. Optional FAQs How many hours per week should a leader invest in learning? One focused hour weekly plus a short application session usually beats sporadic full-day training for retention and behaviour change. What's the fastest way to reduce meeting overload? Clarify decision rights, cancel low-value recurring meetings, and replace status meetings with a consistent written update. How do I know if training is credible? Look for clear scope limits, evidence quality, relevant case examples, and outcomes tied to KPIs—not just confidence and catchy stats. Author bio Dr Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" (2018, 2021) and recipient of the Griffith University Business School Outstanding Alumnus Award (2012). As a Dale Carnegie Master Trainer, he is certified to deliver globally across leadership, communication, sales, and presentation programmes, including Leadership Training for Results. He has written several books, including three best-sellers—Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery—along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have been translated into Japanese, including Za Eigyō (ザ営業), Purezen no Tatsujin (プレゼンの達人), Torēningu de Okane o Muda ni Suru no wa Yamemashō (トレーニングでお金を無駄にするのはやめましょう), and Gendaiban "Hito o Ugokasu" Rīdā (現代版「人を動かす」リーダー). Greg also publishes daily business insights on LinkedIn, Facebook, and Twitter, and hosts six weekly podcasts. On YouTube, he produces The Cutting Edge Japan Business Show, Japan Business Mastery, and Japan's Top Business Interviews, widely followed by executives seeking success strategies in Japan. 

"This section isn't just about getting into business school — it's about being ready once you're there." Host GMAC Zach welcomes back GMAT expert Sergey Kouk from Admit Master for a deep dive into one of the most anxiety-inducing parts of the exam: the Data Insights section. Together, Zach and Sergey demystify what Data Insights really tests, why it matters for business school and recruiting, and how test-takers should approach it strategically rather than emotionally. Sergey explains how the section builds on the former Integrated Reasoning questions, why Data Sufficiency now plays a central role, and how success depends far more on logic, structure, and decision-making than on heavy math. The conversation walks through each Data Insights question type—Data Sufficiency, Graphics Interpretation, Table Analysis, Two-Part Analysis, and Multi-Source Reasoning—highlighting common pitfalls, practical tactics, and efficient workflows for each. Sergey emphasizes proactive thinking: identifying what information is needed before diving into the data, staying methodical under time pressure, and avoiding the temptation to brute-force calculations. Listeners also learn how to manage time effectively, when (and when not) to use the calculator, and why guessing strategically and moving on can be smarter than getting stuck. Throughout the episode, Sergey draws clear parallels between Data Insights questions and real business scenarios, reinforcing why this section is so relevant for MBA readiness and post-MBA careers. The episode wraps with actionable advice on reducing stress, using the review function wisely, and preparing for business school—not just the test. Whether you're intimidated by Data Insights or looking to refine your approach, this conversation offers clarity, confidence, and a roadmap for mastering the section. About Our Guest: Sergey Kouk is a rocket scientist turned GMAT instructor, who achieved a score of 750 on the GMAT after just 2 weeks of studying. He credits his success to the amazing teachers and mentors, who taught him advanced reasoning skills early in his career. He is the Co-Founder and CEO of Admit Master, a test preparation and admissions consulting company headquartered in Toronto, Canada. Sergey holds 3 university degrees, including an MBA. When he is not teaching prep classes, he spends time snowboarding or sailing a boat with his family. Sergey brings to this podcast over 15 years of experience teaching the GMAT to thousands of business school candidates, as well as insights from other experienced GMAT instructors and MBA Admissions Consultants at Admit Master, to help you get a great GMAT score and gain admission to your dream business school. Contact Admit Master: https://admitmaster.com/ Register for the GMAT: mba.com/register Key Takeaways: Data Insights isn't new—it's reframed. Most of the section comes from Integrated Reasoning, with Data Sufficiency moved in and expanded beyond pure math. Think like a manager, not a test-taker. Your job isn't to solve everything—it's to determine what information is needed to make a decision. Be proactive before reading the data. Clarify what the question is asking and what you need before diving into statements, graphs, or tables. Analyze statements independently in Data Sufficiency. Never carry information from one statement into the other unless the answer choices explicitly require combining them. Don't overanalyze the data. Data Insights questions intentionally include more information than you need—focus on structure first, details second. Use the calculator selectively. It can help with relative comparisons, but overuse often wastes time and isn't necessary for most questions. Invest time upfront to save time later. A quick "inventory" of graphs, tables, or tabs helps you answer multiple questions more efficiently. Multi-Source Reasoning is intimidating—but valuable. The upfront reading pays off since multiple questions can stem from the same data set. Time management beats perfection. If you're stuck, make an educated guess, flag the question, and move on—getting it wrong quickly is better than getting it wrong slowly. Data Insights mirrors business school and real work. Synthesizing data, prioritizing relevance, and making decisions under time pressure are exactly the skills MBA programs care about. Chapters: 00:00 Understanding Data Insights in GMAT 03:33 Data Sufficiency: Key Concepts and Strategies 24:34 Calculator Strategy 25:58 Time Management Going into the Next Four Question Types 29:32 Efficient Data Analysis Strategies 33:22 Specific Tactics for Graphics Interpretation 34:55 Table Analysis 36:33 Mastering Table Analysis Techniques 42:22 Approaching Two-Part Analysis Questions 48:44 Understanding Multi-Source Reasoning 53:39 Time Management Tips for GMAT Success

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Dominic Forth is the CEO of Thought Leaders America, where he helps founders, operators, and investors earn trust and raise capital through credible media visibility. With a background training at the BBC and working across major U.S. TV markets including Kansas City, Tampa, San Francisco, Tulsa, and Denver, Dominic brings more than two decades of media and research experience to the entrepreneurs he serves.      Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Leverage credible media placements to build trust that compounds across AI search, Google, and investor due diligence  Clarify your narrative by defining who you are, what you do, and how you relate to your target audience  Lead with authenticity. Audiences quickly disconnect when messaging feels forced or over-rehearsed  Recognize that people just one or two steps ahead can offer more relatable value than distant "experts"  Focus on ROI-driven visibility, not vanity PR. Media should support capital raising, credibility, and measurable business growth      Topics Why Credible Media Matters More in the AI Era How AI increasingly pulls from trusted media sources instead of traditional search rankings  Why appearing on outlets like ABC, CBS, or Fox strengthens long-term digital authority  The Three Pillars of a Powerful Personal Brand Who you are (your authentic personal story)  What you do (your expertise and value proposition)  How you understand your audience's journey (investors, clients, stakeholders)  Why You Don't Need a Dramatic Backstory Shifting from "near-death experience" narratives to audience-centric storytelling  Emotional engagement through authenticity, preparation, and relatability  Overcoming Imposter Syndrome in Thought Leadership Why those one or two steps ahead often deliver the most actionable insight  How smaller media reps build confidence before major national appearances  Turning PR Into Measurable ROI Commissioning research to create newsworthy stories  Using media placements as credibility assets for investor conversations  Structuring PR efforts around business outcomes, not just visibility     

For 135 years Chiropractors have been lied to…They've been told that you are either in it for the patients - or in it for the money.   Nothing could be further from the truth.  Where you land on this issue can be the #1 determiner of your practice and business success - and the joy that you experience from both. Most chiropractors say they want to grow, but very few are truly fluent in the language of money. In this final installment of the five-part series on the two sides of the chiropractic coin, Dr. Stephen and Dr. Pete unpack the financial side of a Remarkable Business and why understanding revenue, margin, and profit is not optional for sustainable impact. They clarify the distinction between a healthy practice and a healthy business, introduce the five essential financial KPIs every CEO must master, and challenge the belief that working harder solves financial problems. When you understand how money works, you stop guessing, start leading, and build a business that funds your mission rather than drains it.  In This Episode You Will: Understand the difference between collections and revenue in business terms Learn the five essential financial KPIs every chiropractic CEO must track See how gross profit margin determines whether your business is truly scalable Discover why associate doctor models often break financially Clarify how stewardship, pricing, and overhead directly impact your net profit Episode Highlights 01:53 - Discover the critical distinction between the practice side and the business side of the chiropractic coin and why mastering both is essential for long-term success. 02:30 - Understand that greater impact and greater income are naturally connected when your business is structured properly. 04:40 - Recognize that a remarkable practice does not automatically equal a remarkable business and why both must be intentionally built. 11:40 - Reflect on the limiting belief that making money is enough, when true stewardship requires understanding how money actually works. 12:21 - See how avoiding accounting creates blind spots that prevent optimization and leave profit on the table. 16:09 - Learn why tracking collections consistently is foundational to operational and financial control. 16:39 - Clarify how Collection Visit Average reveals whether you are truly profitable per adjustment. 17:53 - Discover why Monthly Recurring Revenue creates stability, predictability, and long-term sustainability. 22:11 - Understand that gross profit margin determines whether scaling your practice is wise or financially dangerous. 26:28 - Recognize that net profit margin and absolute net profit are the ultimate indicators of financial health and CEO-level leadership. 27:34 - Dr. Kevin Day is joined by Success Partner, Dr. Jeff Langmaid of The Smart Chiropractor to discuss using consistent email communication to improve patient retention, reactivations, and overall profitability. They discuss key metrics like net momentum and lifetime value, emphasizing that keeping and reactivating patients is far more cost-effective than constantly acquiring new ones, leading to stronger, more sustainable practice growth.   Resources Mentioned To download your copy of the Practice and Business Metrics, please visit:  https://theremarkablepractice.com/podcast-ep346-metrics Learn more about the TRP Remarkable Business Immersion March 6 - 7, 2026 in Phoenix, AZ and March 20 - 21, 2026 in Brisbane, AUS - https://theremarkablepractice.com/upcoming-events/   To learn more about the REM CEO Program, please visit:  http://www.theremarkablepractice.com/rem-ceo For more information about The Smart Chiropractor please visit: https://thesmartchiropractor.com/    Book a Strategy Session with Dr. Pete - https://go.oncehub.com/PodcastPC Prefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1 To listen to more episodes, visit https://theremarkablepractice.com/podcast or follow on your favorite podcast app.

Do you ever feel like no matter how hard you try, it's still not enough? As a working Christian mom, anxiety often doesn't show up as panic — it shows up as pressure. Pressure to perform. Pressure to be present. Pressure to balance faith, work, and motherhood perfectly. And beneath that pressure is a quiet whisper: “You're not enough.” In this episode, we're unpacking the subtle voice of anxiety that convinces working moms their worth is tied to performance — and we're replacing it with biblical truth that anchors your identity in Christ. If you're battling overwhelm, mom guilt, decision fatigue, or constant self-evaluation, this conversation will help you shift from striving to steady. What You'll Learn in This Episode Why anxiety often targets high-capacity, high-responsibility working moms The difference between conviction and condemnation How to separate facts from fear when you feel like you're failing What it means to anchor your identity in Christ instead of performance How to practice “surrender moments” when anxiety starts spiraling Biblical Truths We Cover In Ephesians 2:10, we're reminded that we are God's workmanship — created with purpose, not pressure. In 2 Corinthians 12:9, we're reassured that God's grace is sufficient — even in our weakness. In Psalm 139, we're told we are fearfully and wonderfully made — fully known and fully seen. And in John 15, Jesus calls us to remain in Him — not hustle for Him. These verses aren't motivational quotes. They are anchors. For the Working Mom Who Feels “Almost Enough” If you're constantly asking yourself: Did I do enough today? Was I patient enough? Did I work hard enough? Am I spiritually doing enough? This episode will gently remind you that: God is not grading your motherhood — He is guiding it. Your value is not measured by productivity. You were called with grace attached to your season. Anxiety measures worth by output. God defines worth by relationship.   Ready to Stop Striving and Start Living Faithfully Aligned? If this episode resonated with you and you're ready to move from overwhelmed to aligned, I created something specifically for you. Faithfully Balanced is a self-led course for working Christian moms who feel stretched thin and spiritually weary — but deeply desire peace, clarity, and alignment. Inside Faithfully Balanced, you will: Clarify your God-given priorities Create boundaries that protect what matters most Build rhythms that reduce overwhelm Anchor your identity in truth — not performance This course is designed to help you live faithfully aligned with what God has actually called you to — without burnout.

Hello, hello — and welcome back to Greedy Bitch, the podcast for groomers who are done apologizing for wanting more. I'm your host, River Lee — founder of The Savvy Groomer. And today's episode is a direct follow-up to our last conversation about falling in love with your clients — and stopping yourself from building a business around fling clients. Because once you start asking: “Who am I actually in relationship with in my business?” The next question becomes: “How am I communicating with them?” And that's where policies come in. Because whether you realize it or not — your policies are a love language. They tell clients: What you value What you tolerate What they can expect And how safe your business actually is And if your policies are unclear, inconsistent, or constantly bent… You're sending mixed signals. And mixed signals? They don't attract soulmate clients. They attract confusion, entitlement, and burnout. Especially as we head straight into shavedown season. Let's start with why policies feel so hard for groomers. Most groomers don't hate policies because they're unnecessary. They hate them because policies feel: Mean Awkward Confrontational Or like you're “being difficult” We were taught to be accommodating. To be kind. To be understanding. And somewhere along the way, “professional” got confused with “people-pleasing.” So instead of policies feeling like support, they start to feel like punishment. But here's the truth: Avoiding policies doesn't make you kind. It makes your business confusing. And confused clients don't feel safe. They feel entitled. Because when expectations aren't clear, people fill in the gaps with whatever works best for them. That's not a client problem. That's a communication problem. And it always shows up when you're already tired. Let's talk about mixed signals — because this is where most businesses quietly train the wrong behavior. Mixed signals look like: Policies that exist… but aren't enforced “Case-by-case” exceptions that happen constantly Apologizing when you enforce your own boundaries Saying “this is our policy” and then immediately bending it That's the equivalent of saying: “I have standards… but not really.” And clients respond accordingly. Here's the thing I want you to hear very clearly: You don't attract fling clients — you train them. If clients learn that: Pickup times are flexible Fees are negotiable Boundaries depend on your mood Policies only apply sometimes They will test every edge. Not because they're bad people — but because inconsistency teaches people to push. If your policies are flexible, your clients will be too. And this gets especially dangerous during shavedown season. Because when stress is high, you're enforcing boundaries reactively instead of proactively. That's when resentment builds. That's when burnout accelerates. Here's the reframe that changes everything: Soulmate clients don't want flexibility — they want clarity. They want to know: How your business works What to expect What the rules are And that those rules won't change randomly Structure feels safe to aligned clients. Professionalism feels calming. Predictability builds trust. High-quality clients expect: Clear policies Clear communication Clear systems They don't want to negotiate. They don't want exceptions. They don't want chaos. They want to drop their dog off and trust that everything is handled. Boundaries don't push soulmate clients away. They invite them in. And every time you enforce a policy without apology, you're sending a very clear message: “This business is stable.” “This business is predictable.” “This business respects itself.” And people who respect that? Stick around. This is the part that doesn't get talked about enough. Policies aren't just for clients. They're for you. Every time you: Over-explain Soften your language Add disclaimers Say “I'm so sorry, but…” You're teaching yourself that your needs come second. And over time, that turns into resentment. Not because clients are awful — but because you're constantly negotiating with yourself. Policies protect: Your time Your energy Your emotional bandwidth Your sustainability They remove decision fatigue. They remove constant justification. They remove the need to explain yourself every single day. Policies are not about control. They're about self-respect. And a business built on self-respect feels very different to work in. One of the biggest red flags I see in grooming businesses is over-editing. Softening language. Adding disclaimers. Trying to make everything sound nicer. Secure relationships don't require constant reassurance. Clear expectations reduce conflict. They don't create it. You don't need to convince the right clients. You just need to communicate clearly. And the clients who bristle at that? They were never your soulmate clients anyway. Clarity is not cruelty. Boundaries are not rejection. They are information. If this episode made you realize how much energy you're spending managing clients instead of grooming — that awareness matters. Because shavedown season doesn't create chaos. It reveals weak systems. And the best time to fix that? Is before you're overwhelmed. That's why I created the Business Workshop Library. Inside the library, you'll find practical, system-focused workshops like: Onboarding Clients & Dealing With Difficult Clients Take Control & Organize Your Business Run Your Business on Autopilot These workshops are designed to help you: Clarify expectations Strengthen communication Reduce emotional labor And stop relying on memory and goodwill to run your business ✨ The Business Workshop Library is $200 for the year ✨ Or $50 a month And if you're looking for ongoing support while you actually implement these policies, that's exactly what the Savvy Groomer Circle is for. Inside the Circle, you get continued education, monthly Q&As, real-time conversations, and support as you build, enforce, and refine your policies — especially during high-stress seasons like shavedown season. And for groomers who want deeper access and more personalized support, the Inner Circle gives you that next level — including direct access to me so you're not navigating these decisions alone. You can learn more or join the Savvy Groomer Circle or Inner Circle — at savvygroomer.com/membership If you want to head into shavedown season with clarity instead of chaos, You can find the Business Workshop Library at savvygroomer.com/gwg As always — stay savvy, stay greedy, and never apologize for wanting more.

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Objections are not the enemy — they're signals. In complex B2B and high-ticket selling, an objection often means the buyer is still engaged, still evaluating, and still leaving the door open. The difference between "this is going nowhere" and "we can win this" is whether you follow a disciplined process instead of reacting emotionally. Below is a practical, repeatable objection-handling framework you can run in real time — in Australia, Japan, the US, Europe, in-person or on Zoom — without sounding scripted. Why are objections actually a good sign in sales conversations? Objections usually mean the buyer is still considering you — they're testing risk, fit, and trust rather than silently rejecting you. In most markets post-pandemic (2020–2025), buyers have tightened procurement, involved more stakeholders, and demanded clearer ROI, which means more questions and more pushback — even when they like you. In Japan, where consensus building and risk avoidance are culturally strong, objections often appear as "we need to think" or "it might be difficult." In the US and Australia, you might hear direct resistance like "too expensive" or "we're happy with our current vendor." In all cases, the presence of friction can be healthier than polite indifference. Do now (answer card): Treat objections as engagement. Your job isn't to "win" — it's to discover what's underneath and solve the real concern What's the biggest mistake salespeople make when they hear an objection? The fastest way to lose a deal is to argue with the buyer — even if you're technically correct. The human brain hears pushback and wants to defend: you jump in, correct them, prove them wrong, and accidentally trigger buyer resistance. You might "win the debate" and still lose the decision. This shows up everywhere: startups pitching to procurement, consultants selling transformation programs, and enterprise SaaS teams facing security and legal. In Australia and the US, that argument can feel like a pressure tactic; in Japan, it can feel like you've disrupted harmony and made it harder for the buyer to save face. Instead of debating the headline ("too expensive"), you need the story behind it (budget cycle, internal politics, competing priorities, risk fears). Do now (answer card): Stop defending. Assume the objection is a headline and your job is to uncover the full article. What is a "cushion" and why does it work for handling objections? A cushion is a neutral circuit-breaker sentence that stops you from reacting and buys you thinking time. It's not agreement and it's not disagreement — it's a calm buffer between what they said and what you say next. Examples in plain English: "I hear you." "That's a fair point." "Thanks for raising that." "I can see why you'd ask that." This works because it lowers emotional temperature, keeps the buyer talking, and prevents the "fight or flight" response that turns into arguing. Whether you're selling to a Japanese conglomerate, a US mid-market firm, or an Australian SME, that pause helps you shift from defence mode into discovery mode. Pro tip: keep the cushion short. The cushion isn't the solution — it's the doorway to the right question. Do now (answer card): Build 3–5 cushion phrases you can say naturally, then use one every single time before you respond. What question should you ask first after any objection? Ask: "May I ask you why you say that?" — because the only useful response to an objection is more information.Objections are like a newspaper headline: short, dramatic, and missing context. "Too expensive" could mean cashflow, competitor pricing, CFO scrutiny, or fear of implementation risk. When you ask "why," you throw the "porcupine" back to the buyer — gently — so they explain the real story. This is effective in high-context cultures like Japan because it invites explanation without confrontation. It also works in direct markets like the US and Australia because it signals professionalism: you're diagnosing, not pushing. Watch-out: don't ask "why" with a sharp tone. Make it soft, curious, and slow. The tone is the difference between coaching and challenging. Do now (answer card): Make "why" your reflex. Cushion → "May I ask why?" → listen longer than feels comfortable. How do you clarify and cross-check to find the real objection? Clarify by restating the concern, then cross-check for hidden issues until they run out of objections. Buyers often lead with a minor issue to end the conversation quickly, especially when they don't want a long discussion. Think iceberg: the visible tip is what they say; the big block below the waterline is what they mean. Use two moves: Clarify: "Thank you. So, as I understand it, your chief concern is ___ — is that right?" Cross-check: "In addition to ___, are there any other concerns on your side?" Repeat the cross-check 3–4 times if needed. Then prioritise: "You've mentioned X, Y, and Z. Which one is the highest priority for you?" This is how enterprise sales teams reduce "surprise" objections late in the cycle, and how consultants avoid being derailed by a small complaint masking a major deal-breaker. Do now (answer card): Clarify the core issue, then ask for additional concerns, then rank them. Don't respond until you know the deal-breaker. How do you reply: deny, agree, reverse — and then trial close? Reply to the true main objection with one of three paths — deny, agree, or reverse — then use a trial commitment to confirm it's resolved. Once you've identified the highest-priority concern, you respond in a way that protects trust. Deny (with proof): If it's incorrect ("I heard you're going bankrupt"), deny calmly and offer evidence (financial stability, customer references, audited statements where appropriate). Agree (own reality): If it's true (quality issues, missed deadlines), acknowledge it. Explain what changed: process fixes, governance, QA, leadership actions. Credibility beats spin. Reverse (reframe): If the concern can become a benefit ("you take longer to deliver"), reframe it as risk reduction and quality control — less rework, fewer outages, smoother adoption. Then trial close: "How does that sound so far?" If more objections appear, run the process again. Do now (answer card): Pick the right response type (deny/agree/reverse), then trial close immediately to confirm the objection is gone. Conclusion: the repeatable objection-handling rhythm Objections don't block deals — unmanaged emotions do. When you treat objections as engagement, cushion your response, ask "why," clarify the real issue, cross-check for hidden concerns, and reply with credibility, you stop wrestling the buyer and start guiding the decision. If there are no questions, no objections, no hesitation, it may mean the buyer has already eliminated you and is just waiting for the meeting to end. Better to find out early — and move on to a real opportunity. Author credentials Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" (2018, 2021) and recipient of the Griffith University Business School Outstanding Alumnus Award (2012). As a Dale Carnegie Master Trainer, Greg is certified to deliver globally across all leadership, communication, sales, and presentation programs, including Leadership Training for Results.  He has written several books, including three best-sellers — Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have been translated into Japanese, including Za Eigyō (ザ営業), Purezen no Tatsujin (プレゼンの達人), Torēningu de Okane o Muda ni Suru no wa Yamemashō (トレーニングでお金を無駄にするのはやめましょう), and Gendaiban "Hito o Ugokasu" Rīdā (現代版「人を動かす」リーダー). 

Alysa Liu, in choosing joy and self fulfillment over winning at all cost, proved that doing it "my way" is the ultimate competitive advantage. In this episode of SoS – Sip of Solace When Olympic figure skater Alysa Liu was asked how she felt about the gold medal around her neck, she shrugged with playful confidence: it matched her hair color. To her, the medal was just a physical object. Something she could even lose. What she refused to lose was herself. After rising to fame at 13 and stepping away at 16 from a win-at-all-costs training culture, she returned at 18 with a different mindset. No longer chasing validation. No longer performing for approval. This time, she chose to skate my way. Authentic expression replaced pressure. Joy replaced anxiety. Art replaced obsession with outcome. And excellence followed. Her story reminds us that when identity becomes the anchor, performance becomes the byproduct. Winning is no longer the definition of success. Alignment is. That is powerful from the inside out. That is liberating. When you stop performing for the world and start expressing your truth, the world responds. The lesson extends far beyond the ice rink. Leaders who build enduring brands do not chase metrics alone. They build from conviction. They Think Different. They Stand for Something. They lead my way, grounded in clarity, belief, and purpose. The journey is destiny. Joyful alignment fuels mastery. Authenticity is the ultimate power source. Find yourself. Clarify your passion. Define your meaning. Live and lead my way. That is your superpower. That is your brand. To read it as a 1-min blog To watch it as a 4-min video 

One of the key highlights of the Defense Department's recent memo on multi-factor authentication for unclassified and secret networks is the clarification that DoD Public Key Infrastructure — not the common access card itself — is the department's primary authenticator. Previous policies would often go back and forth between describing the CAC or PKI as DoD's primary credential, creating confusion. Plus, the memo finally introduces passwordless authentication methods designed to give service members faster, more flexible access to systems. For more, Federal News Network's Anastasia Obis spoke with Alex Antrim and Adam Oliver, senior solutions engineers at Yubico..See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Apologetics a little rusty? Tune into this video explaining why logic makes no sense without the one true God. Clarify your worldview, deepen your theology, and sharpen your ability to defend the faith.Watch my whole Apologetics Answers playlist here: https://youtube.com/playlist?list=PLfSpUNYR5qo6sv8Pk8x0tmaq8lLQHHlTm&si=FlnSB-pBhZ6SSaJE==============================⏰ Timestamps ⏰TBD♱ SUBSTACK: Read weekly articles to help you learn and grow: https://thethinkinstitute.substack.com/♱ CHURCH TRAINING: Bring an IMPACTFUL weekend training event to your church or ministry ➡️ https://thethink.institute/forchurches♱ SOCIETY: Christian men get equipped for their Christian life, in community. Try out the Hammer & Anvil Society now. Go to https://thethink.institute/society.The easiest method for teaching your kids the faith we can help you learn (catechism): https://thethink.institute/catakids Men: Want to become the worldview leader your family and church need? We provide in-depth education and community for Christian men: https://thethink.institute/societyMy name is Joel Settecase. I'm the president of The Think Institute, NFP. How I got here: 2009: Left the business world.2010: Became a Bible teacher at a Christian school in Chicago. Realized I needed more education.2011: Enrolled at Trinity Evangelical Divinity School (TEDS). 2013: I joined a suburban church as pastor-in-training.2013–2016: Served as a youth pastor, discipling middle and high school students.2014: Wife diagnosed with cancer while pregnant. God taught us faith.2014–2015: Discovered Calvinism, New Covenant Theology, and Presuppositional Apologetics.2015: Our thirdborn diagnosed with leukemia. God tested and trained us in real time.2016: Joined Chicago multi-site church as Associate Pastor overseeing men's, students, and family ministry and evangelism—later becoming interim lead campus pastor.2016 Wrote Catakids! catechism to teach my young kiddos the faith.2017: Graduated cum laude from TEDS. Capstone papers on apologetics of Jonathan Edwards and John Frame.2018: Joined Cru Church Movements as missionaries.2019: Thirdborn got heart failure. God built our ministry from Lurie Children's Hospital.2020: Started homeschooling. Son received heart transplant. 2020: Launched the Hammer & Anvil Society during Covid.2021: Started teaching at homeschool co-ops.2022: Launched The Think Institute as a nonprofit.2023: Wrote The Bible Based Worldview. 2023: Re-launched the Hammer & Anvil Society as a nationwide men's fellowship. 2024: Joined Village Bible Church, teaching apologetics and worldview classes, family camps, men's retreats, student electives, and Sunday sermons.2025: Launched on Substack. YouTube channel hit 1M views. We now reach 75K+ people monthly and distribute hundreds of educational resources each year. To every Christian man trying to live a Christian life: God will give you what you need for your journey (Eph. 2:10). I am living proof of that. And now my job is to help you build a worldview legacy, where you, your kids, and your wife will be able to confidently answer the world's questions with confidence, and see Jesus change lives as you share your faith.===========================================================The Think Institute relies on the generous support of our Ministry Partners to pursue our mission. Thank you for your help in preparing thousands of regular believers to explain, share and defend the Christian message all over the world.The Think Institute, NFP is a registered 501(c)(3) non-profit organization (EIN: 88-3225438). Donations to The Think Institute are tax deductible to the fullest extent allowed by law.Donate now: https://thethink.institute/partner

This talk focuses on the high rate of contract cancellations in Atlanta, where about 22.5% of contracts were canceled, forcing agents to sell multiple homes just to get paid once. The speaker emphasizes that this leads to frustration and reduced income despite significant effort. The core message is that improving close rates starts with setting clear, reasonable expectations early in the process. A major cause of failed deals and client dissatisfaction is poor communication—still the number one complaint consumers have about real estate agents. Agents are encouraged to proactively educate both sellers and buyers about what to expect: For sellers: Explain timelines for showings, average days on market, negotiation expectations, and the typical closing period. Clarify what happens after listing and what the agent will and won't do. For buyers: Set expectations around home search tools, negotiation norms, closing timelines, inspections, privacy concerns, and the roles of lenders and closing attorneys. The key takeaway is that when agents don't set expectations, clients create their own—often unrealistic—ones, which leads to confusion, frustration, and canceled deals. Clear communication and structured expectation-setting increase professionalism, reduce cancellations, and ultimately improve closing rates.

Thanks to our Partners, Pico Technology, Autel, and Independent Wrench JobsWatch Full Video EpisodeMinnesota's been a pressure cooker lately—and watching people process the same event in completely opposite ways has been… a lot. Matt sits down again with Margaret Light (LMFT, Equilibrium Therapy Services) to talk about why we're so reactive, how cognitive distortions hijack conversations, and why “how we fight” matters more than the topic. Then we drag all of it into the repair shop—because if you've ever tried to explain “it's not the same problem” to a stressed-out customer, you've already lived this episode.Key Topics CoveredWhy two people can watch the same event and walk away with 180° different realitiesThe collapse of shared “ground rules” and the rise of contempt-as-a-personalityCognitive distortions in the wild: all-or-nothing thinking, “shoulds,” rationalization, deflection, confirmation biasHolding multiple truths at once (without your brain blue-screening)Professional standards vs. personal judgment (“should” vs. conduct)Grandiosity: why it feels good and why it burns relationships downHow online reactivity becomes practice—and then leaks into work and homeRepair shop translation: The “same problem / not the same problem” infinite loop. De-escalation without admitting guilt. Curiosity as a tool: “Help me understand what you're seeing.” Perspective-taking as a discipline (yes, Richard Feynman makes a cameo)Star Wars logic traps: “If you're not with me, you're my enemy”… uh… that's a Sith problemMemorable Quotes (for the description or socials)“If you're not with me, then you are my enemy.” (and yes, we know… Sith energy)“The first thing I assess isn't what couples are fighting about—it's how they're fighting.”“You do what you practice.” (online included)“One of the hardest things to do is maintain a moderate position in response to something extreme.”“Someone has to do something different—or you'll just repeat the same statement forever.”The Shop Takeaway (listener-facing)If you work with people—customers, coworkers, leadership—you're going to deal with different realities. The fix isn't “win the argument.” The fix is:Clarify the goal of the conversation (support? facts? policy? emotion?)Validate emotion without surrendering standardsReplace “No you're wrong” with curiosity + explanationKeep integrity: don't...

How to Handle a Huge Cash Offer Gap on an Expired Listing (Institutional Buyers, Land Value & Transparency)Watch the full video replay: https://youtu.be/Kd0bVFlGODUJosh shares a real text exchange with Jonita about an expired listing where an institutional cash-buyer platform produced offers roughly $404K below the prior list price (example: last list price $759K vs best cash offer $379K) on a unique property with six acres. He emphasizes investigating mismatches by asking clarifying questions (like whether multiple parcels are involved), researching comps (including an active similar listing around $1M and a sold comp around $500K on smaller acreage), and being transparent with the seller about why offers may be off and when follow-up will happen. Josh recommends contacting Danielle at Zoom Casa for deeper due diligence and improved offers, potentially also reaching out to Quick Buy and simultaneously marketing the property via a “deal of the week” email using the Deal Sprint process (replay referenced at leaddeck.ai/sprints and replays at leaddeck.ai/cal). Doreen adds that land value may depend on zoning changes and highest-and-best-use possibilities, suggesting asking the seller about added value, calling the prior listing agent to substantiate pricing, contacting the zoning board about future votes, and exploring end-buyer uses such as horses, cattle, equestrian business, family compound, or subdivision. Josh reinforces that demonstrating a proactive plan for identifying the ideal buyer and uncovering highest and best use helps win listings on long-game, difficult properties.See how many leads are available in your zip code (and take a FREE test drive) at: https://LeadDeck.AI

"AI is a fantastic refiner of information, but it's got to be you bringing in that foundational idea.”Wes Towers Top Five Tips To Protect Your Brand Voice When Using AI 1.  Start with your ideas; use AI to tidy2. Name the shadow, claim your stance3. Build a Brand Voice OS4. Human final cut, always5. Evolve in short loops (continuous improvement) TIME STAMP SUMMARY01:41  Not to overly rely on Ai for generation, rather for refining06:35 Clarify what you stand for14:20  The message is the key18:50  Refining in small increments Where to find Wes?Website                       https://uplift360.com.au/ LinkedIn                      https://www.linkedin.com/in/westowers  Wes Towers Bio Wes Towers is a brand and website strategist at Uplift 360 who helps trades and construction firms attract ideal clients and get found through his Search Everywhere Optimisation process. His approach is human-first. You bring the ideas, stories and stance, and use AI to organise and polish without diluting your voice. The goal is to humanise your brand online with clear positioning, consistent tone and proof-led content that shows up where clients look; your website, Google Business Profile, socials and AI-driven answers.Wes shares step-by-step tips to tighten your message, strengthen case studies and project galleries, and refine enquiry paths so the right people feel confident to reach out. Clients value the blend of human insight and useful automation that keeps their brand voice intact while making content easier to produce and maintain. 

Inflation is back in focus—and it's reshaping how many people think about retirement decisions. In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase answer listener questions while providing clear context around markets, portfolios, and long-term planning trade-offs. • Explore how inflation cycles have historically resurfaced and how price shocks may influence spending and wage conversations. • Compare growth and value stocks using simple analogies that help clarify their role in retirement portfolios. • Break down how retirement withdrawals and tax planning are commonly coordinated, including Roth conversions and differences between 457 and 401(k) plans. • Explain key considerations around Employee Stock Ownership Plans, including diversification challenges in private companies. • Discuss where bonds and cash may fit when dependable income already covers everyday expenses. • Consider how lump sums and ongoing savings are often invested while balancing valuation concerns with disciplined approaches like dollar-cost averaging. • Review how buffered investment strategies are typically evaluated, including trade-offs involving downside limits, liquidity, and long-term return expectations. • Clarify pension payout choices by outlining common tax considerations and rollover mechanics tied to lump-sum decisions. • If inflation headlines and market swings have you rethinking your plan, this episode adds perspective without the noise. Listen and subscribe to the Retire Sooner Podcast to stay grounded in ongoing market and retirement conversations. Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest Bio: Louise is an award-winning social media strategist, coach, four-time best-selling author, and the founder of SellOnSocial.Media Digital Marketing Agency & Academy. For the past 20 years, I've helped coaches and consultants grow their businesses with fresh perspectives and innovative AI-powered tools. Key Points: Social media is marketing, not a separate skill Louise didn't "get into social media" randomly; her foundation is traditional marketing. Social media is simply a modern channel for applying timeless marketing principles. The problem isn't social media itself; it's treating it as something different from marketing strategy. You don't need to like social media to use it well  Many business owners dislike social media or don't want to spend hours online and that's okay. Social media is not about becoming an influencer or going viral. For business owners, it's about using social platforms efficiently and intentionally to generate leads and opportunities. Followers ≠ business growth Having thousands of followers means nothing if you don't know how to convert attention into revenue. A person with zero followers and someone with 15,000 followers can have the same problem: no system to turn visibility into sales. Social media success is not about features, hacks, or trends, it's about strategy. The 5-step framework for using social media effectively 1.     Clarify your core offer 2.     Nail your messaging 3.     Show up with intent. 4.     Build a lead generation system 5.     Use AI as a co-pilot, not the driver  Expectations depend on your starting point Results vary based on size of your existing audience, email list strength and consistency of organic activity. Someone with a warm audience will see faster results than someone starting from scratch. Organic activity makes paid ads dramatically more effective. Organic activity + paid ads = leverage Ads work best when layered on top of consistent organic engagement. Cold ad accounts cost more and convert less. Platforms reward businesses that show up consistently before running ads. What a "lead" really means in social media A lead is someone who opts in; joins your list, attends a session, downloads something. Leads can be cold (just joined), warm (engaging) or hot (ready to buy). Most people don't buy immediately, social media supports direct, indirect, and future sales. Social media doesn't sell high-ticket services, conversations do Low-cost products can sell directly on social platforms. High-ticket services require lead generation, nurturing and sales conversations. You market online, but you sell offline. The real outcome of social media The goal isn't instant sales; it's building a pipeline of qualified prospects. Social media creates visibility, trust, and opportunity over time. Done right, it feeds a steady flow of future business. Bottom line: Social media works when it's treated as a strategic marketing system, not a content treadmill. Clear offers, strong messaging, intentional activity, and lead generation, not virality, drive real business results.   Guest Links: AI Powered Online 2026 Social Media Content Planner To help you create impactful content week in, week out! 1.     The 2026 content calendar with 950+ searchable dates and holidays 2.     An AI post generator for Story, Advice and Testimonial posts in your own voice (2 posts per month, free forever) 3.     High-converting post formats powered by smart prompts, so you can create content that works, in your own voice and tone 4.     Simple tools to plan and organize your content 5.     This smart tool helps you embrace AI as your co-pilot, so you create content easily in your voice and tone.     About Salesology®: Conversations with Sales Leaders Download your free gift, The Salesology® Vault. The vault is packed full of free gifts from sales leaders, sales experts, marketing gurus, and revenue generation experts. Download your free gift, 81 Tools to Grow Your Sales & Your Business Faster, More Easily & More Profitably. Save hours of work tracking down the right prospecting and sales resources and/or digital tools that every business owner and salesperson needs. If you are a business owner or sales manager with an underperforming sales team, let's talk. Click here to schedule a time. Please subscribe to Salesology®: Conversations with Sales Leaders so that you don't miss a single episode, and while you're at it, won't you take a moment to write a short review and rate our show? It would be greatly appreciated! To learn more about our previous guests, listen to past episodes, and get to know your host, go to https://podcast.gosalesology.com/ and connect on LinkedIn and follow us on Facebook and Instagram, and check out our website at https://gosalesology.com/. 

What if attracting the right clients didn't mean posting more, chasing trends, or spinning your wheels online — but showing up in a way that actually gets noticed by your best-fit buyers?In this BE SEEN Workshop Day 1 replay, Lissa Figgins guides Christian women business owners through creating a BE SEEN Statement — a simple, one-sentence conversation starter that helps the right people instantly recognize themselves, their problem, and your role, without selling or over-explaining.This session is about clarity, confidence, and multiplying your results — not busy work. You'll discover why being visible isn't enough, and how to show up strategically so your time and energy produce real Return on Time Invested (ROTI).In this workshop, you'll learn:Why most conversations don't lead to clients — and what BUSY-ness Owner activity looks likeHow to craft a one-sentence BE SEEN Statement that attracts the right people and filters out the wrong onesWhere and how to share your statement so it actually produces aligned conversationsHow investing time in clarity multiplies your results without adding more hoursPlus, hear examples from real women who stopped spinning their wheels and began attracting aligned clients and opportunities — even in busy seasons of life.Ready to take it further?If you're ready to move beyond just being seen and start converting the right conversations into aligned yeses, CEO Focus gives you the system and support to:Clarify your God-given CEO visionMap it into a simple 12-week planStay focused, accountable, and aligned through weekly coaching and communityMultiply your ROTI without adding more hours, energy, or overwhelm

In this episode, we are joined by Executive Leadership, Speaking Coach, and Facilitator Katya Davydova to challenge the traditional, action-only approach to leadership. Having impacted thousands of leaders at organizations like Google and Netflix, Katya bridges the science of leadership with the heart of personal growth to help you move beyond rigid performance habits.Tune in to learn:How to break free from the indoctrination of hardcore productivity advice that neglects the emotional resilience needed for lasting change.The transformative power of holding paradox—the essential ability to make space for seemingly opposite truths, such as grief and joy, to exist at the same time.How to bridge the gap between rigid action and a holistic, kind approach to change by honoring your internal guidance system.Practical ways to slow down and distill direction from distraction, allowing you to build unshakable self-trust from the inside out.By shifting your focus from doing to being, Katya helps you find the clarity needed to lead with both authority and heart.Free Gift: Guide to Figuring Out Your Next Steps Using Ikigai and AI"So...what am I doing with my life?" Have you ever asked yourself this question? You're not alone! Perhaps you're starting or switching careers. Maybe you've hit a pivotal point and feel lost or overwhelmed by options. Clarify your purpose with your Guide to Figuring Out Your Next Steps Using Ikigai and AI!Katya's Giveaway Contribution: 50-Minute Coaching IntensiveIf you find yourself panicking at the thought of giving a talk or presentation, you've not alone AND you're in the right place! Join a 50-minute coaching intensive focused on your public speaking skills, where we build your confidence for your upcoming talk. You'll walk away with 3 content-building frameworks and 3 delivery skill tools to wow your audience from a professional keynote and TEDx speaker and 700-workshop facilitator.  Connect with Katya: Website | Instagram ---Enter the Book Launch Celebration Giveaway!

Most parents are doing everything they can to raise good kids, and still feeling exhausted, reactive, and unsure if they're actually helping in the long run.So much parenting advice is obsessed with today's behavior: listening, sharing, cooperating, “being good.” But this episode zooms out and asks a much bigger question: Who are you raising your child to become?Kristin sits down with parenting researcher, Whole Parent founder, and author Jon Fogel to challenge one of the most deeply ingrained ideas in parenting: that control and obedience create resilient kids. Together, they unpack why obedience can look like a win in the short term, while quietly undermining confidence, resilience, and emotional health over time: and what actually builds those skills instead.They explore how everyday power struggles shape the adult your child will eventually become, why so many well-intentioned discipline strategies backfire, and how shifting from rules to values can completely change your home dynamic.This episode will:* Help you shift your focus from short-term obedience to long-term emotional health* Reframe discipline as skill-building, not behavior control* Clarify the difference between rules and values — and why values actually stick* Explain why yelling is a nervous system issue, not a discipline strategy* Give you a framework for parenting with respect, boundaries, and authorityThis conversation will change how you think about discipline, power, and success in parenting. It's for parents who want to stop micromanaging behavior and start raising confident, capable adults, without losing boundaries or authority along the way.This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Chip continues this series with a message he calls, “How to Overcome Feelings of Futility.” If you need a God-sized shot in the arm, today's message is for you.Introduction: “Empty Buckets”Futility – Webster's – lit. “that which easily pours out,” hence untrustworthy; that which fails completely of the desired end, or incapable of producing any result; trifling, unimportant. Syn: vain, fruitless, ineffective, uselessFruitful – Webster's – Latin “fructus” – enjoyment, means of enjoyment, profitable, productive, producing results and/or desired ends.How can we avoid futility in our lives?Refuse to Confuse Success With SIGNIFICANCE! -Luke 9:25-26How can we move from success to significance?1. Clarify your MISSION! Why are you here?Two things last forever: God's Word & people's soulsMatthew 28:19-20To know CHRIST and make Him KNOWN!2. Embrace your MISSION FIELD! Where are your greatest spheres of influence?Your home -Deut 6:4-9Your work -Col 3:22-25Your network -Col 4:5-63. Engage in the Harvesting ProcessNetworkBefriendIdentifyShareInviteHarvest4. Sharpen your tools for impact!”Learn spiritual “door openers”Learn your evangelistic styleNot Beyond Reach by Aaron PierceBroadcast ResourceDownload MP3Message NotesAdditional Resource MentionsI Choose Love BookDaily Discipleship - Psalms of HopeBOOK: "Halftime" by Bob BufordBOOK: "The Paradox of Success" by John R. O'NeilCHART: "The High Impact Church" by Linus MorrisConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003