Podcasts about coming crisis

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,

Following the latest episode about the macro threats shaping our world, Stephen is re-airing an episode from 2021 that speaks directly to one of the most critical: the growing fresh water crisis. Five years after originally publishing this episode, the danger of declining fresh water remains just as urgent.Note: The Lake Mead capacity figure cited in this episode has continued to decline since the episode was recorded, falling from 35% to 33%.LEARN MORE:Website: https://stephenmansfield.tv/Instagram: https://instagram.com/mansfieldwrites/X: https://twitter.com/MansfieldWrites

Rob Marro sits down with John-Henry Westen to reveal the explosive contents of his new book, In the Shadows of the Vatican, uncovering the hidden life of the enigmatic Father Malachi Martin.Marro unveils Martin's secret elevation as a Vatican “apostolic administrator” a covert cardinalate established as a Cold War contingency plan. He details Martin's intimate involvement with the Third Secret of Fatima, his clandestine work behind the Iron Curtain, his profound spiritual warfare encounters, and his prophetic warnings about diabolic disorientation and future crises within the Church.HELP SUPPORT WORK LIKE THIS: https://give.lifesitenews.com/?utm_source=CH25_videoU.S. residents! Create a will with LifeSiteNews: https://www.mylegacywill.com/lifesitenews ****PROTECT Your Wealth with gold, silver, and precious metals: https://sjp.stjosephpartners.com/lifesitenews +++SHOP ALL YOUR FUN AND FAVORITE LIFESITE MERCH! https://shop.lifesitenews.com/ ****Download the all-new LSNTV App now, available on iPhone and Android!LSNTV Apple Store: https://apps.apple.com/us/app/lsntv/id6469105564 LSNTV Google Play: https://play.google.com/store/apps/details?id=com.lifesitenews.app +++Connect with John-Henry Westen and all of LifeSiteNews on social media:LifeSite: https://linktr.ee/lifesitenewsJohn-Henry Westen: https://linktr.ee/jhwesten Hosted on Acast. See acast.com/privacy for more information.

Economist Andrew Lilico casts a sharp eye over the Chancellor's first Spending Review — and finds it lacking. Beyond the rhetoric, the message is sobering: health spending is set to surge while almost every other department faces quiet, compounding cuts. The NHS will grow to dominate Britain's public finances — even as Rachel Reeves eyes new tax rises to make the numbers add up. So, what happens when the backlash begins? Tune in for a clear-eyed take on the week's most important speech.Stay informed with CapX's unmissable daily briefings from the heart of Westminster. Go to capx.co to subscribe. Hosted on Acast. See acast.com/privacy for more information.

You might know Jared from his Substack, Dispatches from a Collapsing State, or from his book Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis. Definitely one of the smartest, most insightful people I know. Today we talked about what's happening in LA and the growing authoritarianism in America, plus we spent some time talking about Gavin Newsom, Tim Walz, JB Pritzker, and the future of the Democratic Party, and a lot more. Meantime, make sure to support this podcast by subscribing at patreon.com/bobcescashow. Music by Bill Toms and Hard Rain.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join us on this powerful episode as we explore the extraordinary life of Ed Hajim, whose journey from the humble beginnings in an orphanage to the heights of corporate America embodies true resilience and success. Ed shares insights from his book, "On the Road Less Traveled," detailing his experiences in foster homes, his academic journey through the University of Rochester and Harvard Business School, and his significant contributions as an entrepreneur and philanthropist. Learn how adversities transformed into advantages, the role of education in lifelong success, and the critical importance of mentorship and community involvement in shaping a fulfilling career and personal life. To check out Ed's book, "On the Road Less Traveled: An Unlikely Journey from the Orphanage to the Boardroom", head on over to Amazon (affiliate): https://amzn.to/3YgkSaB To check out the books mentioned during the interview including: 1. Principles for Dealing with the Changing World Order: Why Nations Succeed and Fail by Ray Dalio: https://amzn.to/4dLdj0f 2. The Storm Before the Calm: America's Discord, the Coming Crisis of the 2020s, and the Triumph Beyond: https://amzn.to/3zUZEFS 3. End Times: Elites, Counter-Elites, and the Path of Political Disintegration: https://amzn.to/3zWyP4k Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. Do your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd Click here to check out our Amazon product of the day (affiliate):https://amzn.to/3U0Y8sQ We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/support Buy Me a Coffee- https://www.buymeacoffee.com/chrisJx Click here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-online Click here to check out our e-courses and bookstore here: https://www.drchrisloomdphd.com/shop Click here to purchase my books on Amazon: https://amzn.to/2PaQn4p For audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1F Follow our YouTube channel: https://www.youtube.com/chL1357 Follow us on Twitter: https://www.twitter.com/drchrisloomdphd Follow us on Instagram: https://www.instagram.com/thereal_drchrisloo Follow us on Threads: https://www.threads.net/@thereal_drchrisloo Follow us on TikTok: https://www.tiktok.com/@drchrisloomddphd Follow our Blog: https://www.drchrisloomdphd.com/blog Follow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18 Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1 Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphd Subscribe to our email newsletter: ⁠https://financial-freedom-for-physicians.ck.page/b4622e816d⁠ Subscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233 Thank you to our advertisers on Spotify. Financial Freedom for Physicians, Copyright 2024 --- Support this podcast: https://podcasters.spotify.com/pod/show/christopher-loo/support

Welcome to fellow newsletter writer, Bruce Mehlman who has long been a fixture in DC for his smart graphs and quarterly reports on where the trends are going, not just in politics but also in the economy, tech, national security, and more. I highly recommend you sign up for his newsletter, Bruce Mehlman's Age of Disruption.In our conversation, Bruce discusses his journey from a political lawyer to a prominent figure in tech policy, sharing insights on the evolution of technology and its intersection with politics. He reflects on the early 2000s tech issues, the lessons learned from the rise of social media, and the current political landscape. Mehlman emphasizes the importance of trust in information, the future of media consumption, and the need for long-term thinking in politics and technology. He also highlights the significant advancements in health innovations and their potential impact on society.Some of the readings he recommends include:* The Storm Before the Calm: America's Discord, the Coming Crisis of the 2020s, and the Triumph Beyond by George Friedman* Stratechery by Ben Thompson* Noahpinion* Slow Boring by Matthew Yglesias Please support the curation and analysis I'm doing with this newsletter. As a paid subscriber, you make it possible for me to bring you in-depth analyses of the most pressing issues in tech and politics. Get full access to Anchor Change with Katie Harbath at anchorchange.substack.com/subscribe

Thanks for tuning into todays episode of the "Encouragement Expert Podcast" Wes Daughenbaugh speaks on "Coming Crisis: Catalyst for Revival"

The Storm Before the Calm: America's Discord, the Coming Crisis of the 2020s, and the Triumph Beyond by George Friedman. A great book that adds some historical context and perspective on the issues and turbulence of today. What cycles are we repeating? Why? What do the next 5, 10, or even 20 years look like? Brought to you by The Rug Rack and Home Decor: www.rugrack.com Brought to you by Eric Buchanan and Associates: www.buchanandisability.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

What are the risks to democracy as AI is incorporated more and more into the systems and platforms we use to find and share information and engage in communication? In this episode, Justin Hendrix speaks with Elise Silva, a postdoctoral associate at the University of Pittsburgh Cyber Institute for Law, Policy, and Security, and John Wihbey, an associate professor at Northeastern University in the College of Arts, Media, and Design. Silva is the author of a recent piece in Tech Policy Press titled "AI-Powered Search and the Rise of Google's 'Concierge Wikipedia.'” Wihbey is the author a paper published last month titled "AI and Epistemic Risk for Democracy: A Coming Crisis of Public Knowledge?"

——- Your Daily Portion Sabbath School Lesson with LD “The Anomaly” Harris- Please join L. David Harris in the Your Daily Portion Community here: https://yourdailyportion.com@LDisMyCoach#LDisMyCoachLD is My CoachBecome a supporter of this podcast: https://www.spreaker.com/podcast/your-daily-portion-with-l-david-harris--2912188/support.

Surviving and Thriving in the Coming Crisis With Doug Casey Doug Casey has garnered a well-earned reputation for his erudite (and often controversial) insights into politics, economics, and investment markets. Doug is widely respected as one of the preeminent authorities on “rational speculation,” especially in the high-potential natural resource sector. Doug wrote the book on profiting from periods of economic turmoil: his book Crisis Investing spent weeks as #1 on the New York Times bestseller list and became the best-selling financial book of 1980 with 438,640 copies sold; surpassing big-caliber names, like Free to Choose by Milton Friedman, The Real War by Richard Nixon, and Cosmos by Carl Sagan. He has been a featured guest on hundreds of radio and TV shows, including David Letterman, Merv Griffin, Charlie Rose, Phil Donahue, Regis Philbin, Maury Povich, NBC News, and CNN; has been the topic of numerous features in periodicals such as Time, Forbes, People, and the Washington Post; and is a regular keynote speaker at FreedomFest, the world's largest gathering of free minds. Doug has lived in 10 countries and visited over 175. He currently spends most of his time in Argentina and Uruguay, and traveling to various dysfunctional hellholes. Today you're most likely to find him at La Estancia de Cafayate, an oasis tucked away in the high red mountains outside Salta, Argentina. Cafayate most resembles the isolating beauty of Bryce Canyon, Utah combined with the lush vineyards of Napa Valley. Residents enjoy economic and social freedoms not found in the US and some of the best wine and golf on the planet. Website Link: https://internationalman.com ================================================= Check out some of Doug's books! Speculator (High Ground Novels Book 1) The original International Man and #1 New York Times bestselling author Doug Casey joins forces with Dr. John Hunt to create a new type of hero. Charles Knight is young, but he knows right from wrong. He's well educated because he decided to drop out of high school, and considered college a misallocation of both his time and money. Instead, he reads and listens, works and creates. He figured out that you can't become a Renaissance Man by sitting in a classroom. Charles Knight is a modern Count of Monte Cristo, the sort of hero we haven't seen since Atlas Shrugged. He is a leader, but with no interest in leading. A soldier of fortune who tries to avoid fighting. He becomes rich, famous, powerful, loved–and hated. He changes the course of world history as he follows his code. Join Charles Knight on his quest to live a good life, an exotic life, a life of adventure. It all starts with Speculator. –This text refers to the paperback edition. Assassin: Book 3 of the High Ground Novels Charles Knight is released from an especially unpleasant stay in prison, only to rejoin a society overwhelmed by looting, riots, arson, viral panic, mob-think and economic decay . . . with a presidential election in the balance. The cronies are in charge, abetted by their media lackeys and political puppets. They'll do anything to get what they want. How can Charles stop the deadly crimes committed by those who control the law, print the money, and confuse the minds of the people? Crimes that push millions into poverty, servitude and ignorance. Will a highly unorthodox presidential candidate and a cryptocurrency network that turns the surveillance state on its head be enough to expose and defeat them? Or do some people just need to be killed? The cronies are moving fast. Charles Knight needs to move faster. Doug Casey interview 2024, Cash withdrawal limits, Currency debasement, Phasing out cash, Financial privacy, Empire Decline, Collapse Dynamics, Historical Degeneration, Swift Empire Fall, Empire Lifecycles, Indicators of Decline, Economic Warfare in Empires, Historical Insights on Decline, American Empire's Fate, Global Dynamics post-Empire, Government control, Surveillance system, Universal surveillance, Eliminating privacy, Trend towards loss of privacy

Academic research is becoming increasingly peripheral to education policy-makers and practitioners. Prof. Sally Power (Cardiff University) talks about the current shortcomings of our work, and how education research might be reinvigorated through a new ‘politics of method'.

Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. Please subscribe now for as little as 5$ and gain access to a community of over 700 awesome, curious, kind, funny, brilliant, generous souls Jared Yates Sexton from Podjam!!! Jared Yates Sexton  is the author of American Rule: How a Nation Conquered the World but Failed Its People,  is the co-host of The Muckrake Political Podcast and subscribe to his substack Dispatches From A Collapsing State    Get his new book The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis   From writer and political analyst Jared Yates Sexton comes a  journey through the history of the United States, from the nation's founding to the twentyfirst century, which examines and debunks the American myths we've always told ourselves.  In recent years, Americans have faced a deluge of horrifying developments in politics and culture: stolen elections, fascist rallies, families torn apart and locked away. A common refrain erupts at each new atrocity: This isn't who we are. In American Rule, Jared Yates Sexton upends those convenient fictions by laying bare the foundational myths at the heart of our collective American imagination. From the very origins of this nation, Americans in power have abused and subjugated others; enabling that corruption are the many myths of American exceptionalism and steadfast values, which are fed to the public and repeated across generations. Working through each era of American growth and change, Sexton weaves together the origins and perpetuation of these narratives still in the public memory, and the acts we have chosen to forget.  Stirring, deeply researched, and disturbingly familiar, American Rule is a call to examine our own misconceptions of what it means, and has always meant, to be an American.   listen and subscribe to Jared's Podcast  subscribe to his substack newsletter    Pete on Tik Tok Pete on YouTube Pete on Twitter Pete On Instagram Pete Personal FB page Stand Up with Pete FB page All things Jon Carroll  Follow and Support Pete Coe

Check out Enlisted https://enplay.link/whatifalthist Don Shift's books-https://www.amazon.com/stores/Don%20S... Instagram: Rudyard William Lynch (@rudyardwlynch) • Instagram photos ...https://www.instagram.com › rudyardwlynch Twitter:https://twitter.com/whatifalthist?ref... Patreon, First 200 pages of cultural history of America and 400 of history of the new world alongside exclusive maps:https://www.patreon.com › whatifalthist Bibliography: The Great Wave by David Hackett Fischer Ages of Discord by Peter Turchin Secular Cycles by Peter Turchin The End of the World is Just the Beginning by Peter Zeihan Disunited Nations by Peter Zeihan The Accidental Superpower by Peter Zeihan The Economics of Discontent by Jean Michel Paul On Grand Strategy by John Lewis Gaddis The True Believer by Eric Hoffer Atrocities by Matthew White The Ages of American Capitalism by John Levy Strategy by Lawrence Freeman Long Cycles by Goldman Ender's Game by Orson Scott Card Maps of Meaning by Jordan Peterson Meditations by Marcus Aurelius Evil by Baumeister Man and His Symbols by Carl Jung The Happiness Hypothesis by John Haidt The Secret to our Success by Joseph Heinrich

Happy Friday and a YiPPIE FRI-YAY! From YOUR KC Morning Show!KCMS Fridays always styled by the homies over at Charlie Hustle Co!KCMS20 for 20% off, (in-store and/or online!)On the show today, Author, Host of the Muckrake Podcast and Dispatches From a Collapsing State Substack, Jared Yates Sexton! Jared's latest, "The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis" is available NOW!LINKS: https://www.jysexton.com/ A Good Day To Be A Kansas Citian.xoxo - @hartzell965, @holeyhearts, @kcmorningshow

Embarking on a transformative journey of faith involves the art of hearing and understanding the clear voice of the Holy Spirit.

This podcast is a commentary and does not contain any copyrighted material of the reference source. We strongly recommend accessing/buying the reference source at the same time. ■Reference Source https://www.ted.com/talks/ramanan_laxminarayan_the_coming_crisis_in_antibiotics ■Post on this topic (You can get FREE learning materials!) https://englist.me/147-academic-words-reference-from-ramanan-laxminarayan-the-coming-crisis-in-antibiotics-ted-talk/ ■Youtube Video https://youtu.be/_5fs0_g6gzE (All Words) https://youtu.be/9gMmVh1zYb4 (Advanced Words) https://youtu.be/xtoV37WfZJI (Quick Look) ■Top Page for Further Materials https://englist.me/ ■SNS (Please follow!)

Hour 1 * Guest: Dr. Scott Bradley, Founder and Chairman of the Constitution Commemoration Foundation and the author of the book and DVD/CD lecture series “To Preserve the Nation.” In the Tradition of the Founding Fathers – FreedomsRisingSun.com * Guest: Thom Rigsby, Executive Director of American Contingency, Our mission is to inform, equip, train, and connect Americans to be self-reliant, resilient, and prepared for any contingency – AmericanContingency.com * Tom brings 14 years of military service and over 30 years of business experience to the company. * During his career Thom has hosted a weekly radio show focused on small business as well as a daily video podcast featuring inspiration and insights for small business owners. He is well suited to provide commentary on a wide range of preparedness topics as well as impact(s) from current events. * How Can We Prepare For the Coming Crisis? – It's All About The Right Mindset! * Let's Creat Our Own “My Ready Plan” – MyReadyPlan.com * Even an Incomplete Plan Is better than NO plan at all! * The Best Plans Are Better with a Team! – Be Part of a Community. * Our Best Advice: There's No Such Thing As Too Prepared. Hour 2 * Ron Paul: We need to generate a tidal wave of vocal opposition to the Central Bank Digital Currency right now – before the crisis hits * Make no mistake: The CBDC would be the end of your financial privacy – and the end of political freedom in America, if We the People do not rise up now and bring this scheme to a halt! * Campaign for Liberty is building a nationwide network of patriots to organize and mobilize in opposition to the Central Bank Digital Currency – because our political freedom depends on it. * John F. Kennedy: “Those who make peaceful revolution impossible will make violent revolution inevitable.” * Sam Bushman: “Those who make peaceful restoration of the greatest country in the world impossible will force a violent revolution reality.” * Donald takes aim at Ron – DeSantis declined to say whether he would support Trump in the general election if Trump wins the GOP nomination. * Musk, Zuckerberg Agree to Cage Fight! * MTG Argues With Boebert on House Floor, Tension over competing impeachment resolutions comes to a head. * House Deflects on Impeachment McCarthy lobbied against the measure, saying there's no case against Biden. * Hunter Biden deducted prostitutes and sex club from his taxes, possibly violated sex-trafficking laws, says IRS whistleblower – TheBlaze.com * Gov. Ignored Text Showing Hunter Biden Threatening Chinese Officials * Hunter Biden Threatened Chinese Businessman to Pay Them While Joe Was in the Room! * Lab-Grown Meat Is Approved for Sale in the United States. --- Support this podcast: https://podcasters.spotify.com/pod/show/loving-liberty/support

David Brady, CEO and Co-Founder of Global Pro Traders, is welcomed back to discuss what capitulation will look like in this environment. He states that typically, a large increase in volume can be seen as the price is falling to a low, which can indicate that a low is in. Additionally, a gap down followed by a move upwards is another indication of capitulation. We haven't seen a meltdown in employment and payroll numbers in the past year, however, the latest numbers came in just below expectations and then gold and silver saw a surge. Brady believes that we are near the bottom, as long as support holds and the risk-reward remains dramatically skewed to the upside. Bank of America has a big short position on gold, while JP Morgan has a smaller position but is long. Everything else with the metals is looking promising. Brady suggests acting contrary to the markets, as emotions can be the death of wealth. It is important to maintain an analytical approach to markets. Brady argues that the Fed should be more concerned with deflation, instead they are considering further rate hikes. The peak in PPI was 9.2% a year ago, which has now fallen well below 3%. He believes the PPI is a much cleaner statistic than the CPI. Brady believes that gold is sniffing out that rate hikes are already priced in and perhaps we will get one more price hike. He expects bank failures are almost certain in this environment. Brady also suggests that Central Bank Digital Currencies (CBDCs) will be rolled out along with digital identification and universal basic income. He believes that this new money will be spent on existing goods and services, which will only create more problems and more inflation. In that environment, gold and silver prices will explode, while other asset bubbles burst. He believes Canadian Banks may be vulnerable, with the exception of the large too big to fail, CIBC and RBC. The housing market has been spectacular, with the lowest affordability and highest debt to personal income, creating a potential disaster. Brady suggests miners may be cheap soon relative to the metals, and if they are underperforming, it is a great buying opportunity. He also cautions that when everything is going to hell for government finances, they will do anything to keep the ship afloat, including potentially nationalizing mines and other industries. He believes that the West's implementation of CBDC systems will fail because they will still be fiat based. The BRICS version however is likely to be tied in some fashion to commodities. Brady's advice is to focus on miners in North America and wait for confirmation of the lows. He stresses not to get caught in the weeds, as the reward potential is high, and the train is leaving the station soon. Time Stamp References:0:00 - Introduction0:35 - Sentiment & Capitulation7:16 - Banks & COT Positioning8:09 - Emotion and Wealth14:53 - Exiting at the Top17:15 - Fed & Deflation20:38 - Feds Path Forward?30:03 - Banks in Canada32:52 - Mortgage Terms & Collapse35:56 - Miners Underperformance42:15 - Nationalization Risks44:05 - BRICS Meeting Thoughts51:58 - Concluding Thoughts54:40 - Wrap Up Talking Points From This Episode Act contrary to the markets in order to maintain an analytical approach and maximize reward potential. He believes Central Bank Digital Currencies will be rolled out soon, leading to the potential for higher gold and silver prices. Brady suggests focusing on miners in North America and waiting for confirmation of the lows. Guest Links:Twitter: https://twitter.com/globalprotraderSprott Money: https://www.sprottmoney.com/writersSilver Chartist: https://silverchartist.comFund Website: https://4779Capital.com David Brady has managed money for banks and businesses for 25 years. Mr. Brady is a CFA charter holder and holds a bachelor's degree in Business Studies and Financial Markets from Dublin City University. He started as a foreign currency trader in USD/DEM an...

Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. Please subscribe now for as little as 5$ and gain access to a community of over 730 awesome, curious, kind, funny, brilliant, generous souls Check out StandUpwithPete.com to learn more Jared Yates Sexton  is the author of American Rule: How a Nation Conquered the World but Failed Its People,  Currently, he serves as an associate professor of writing at Georgia Southern University and is the co-host of The Muckrake Political Podcast.    Get his new book The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis   From writer and political analyst Jared Yates Sexton comes a  journey through the history of the United States, from the nation's founding to the twenty-first century, which examines and debunks the American myths we've always told ourselves.  In recent years, Americans have faced a deluge of horrifying developments in politics and culture: stolen elections, fascist rallies, families torn apart and locked away. A common refrain erupts at each new atrocity: This isn't who we are. In American Rule, Jared Yates Sexton upends those convenient fictions by laying bare the foundational myths at the heart of our collective American imagination. From the very origins of this nation, Americans in power have abused and subjugated others; enabling that corruption are the many myths of American exceptionalism and steadfast values, which are fed to the public and repeated across generations. Working through each era of American growth and change, Sexton weaves together the origins and perpetuation of these narratives still in the public memory, and the acts we have chosen to forget.  Stirring, deeply researched, and disturbingly familiar, American Rule is a call to examine our own misconceptions of what it means, and has always meant, to be an American.   listen and subscribe to Jared's Podcast  subscribe to his substack newsletter    Pete on Tik Tok Pete on YouTube Pete on Twitter Pete On Instagram Pete Personal FB page Stand Up with Pete FB page All things Jon Carroll Follow and Support Pete Coe

John this time talks about the bipartisan deal to raise the debt ceiling and other accomplishments of the President. And how the GOP is making fun of Biden tripping on a sandbag as he completed handing out diplomas at a US Air Force Academy commencement in Colorado. He takes calls from Chris in Pennsylvania and Elizabeth in Texas. Then he speaks with Rev. Barry Lynn about the SCOTUS, gun reform, and the 2024 Republican presidential contenders. Next, he interviews author and political commentator Jared Yates-Sexton on Donald Trump, conspiracy theories, and his new book "The Midnight Kingdom. A History of Power, Paranoia, and the Coming Crisis". Then winding it up he takes listener calls from Kelly in Montana, Marsha in San Diego, Pit Doc from Pennsylvania, and Mike in Michigan. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. Please subscribe now for as little as 5$ and gain access to a community of over 730 awesome, curious, kind, funny, brilliant, generous souls Check out StandUpwithPete.com to learn more   Jared Yates Sexton  is the author of American Rule: How a Nation Conquered the World but Failed Its People,  Currently, he serves as an associate professor of writing at Georgia Southern University and is the co-host of The Muckrake Political Podcast.    Get his new book The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis   From writer and political analyst Jared Yates Sexton comes a  journey through the history of the United States, from the nation's founding to the twenty-first century, which examines and debunks the American myths we've always told ourselves.  In recent years, Americans have faced a deluge of horrifying developments in politics and culture: stolen elections, fascist rallies, families torn apart and locked away. A common refrain erupts at each new atrocity: This isn't who we are. In American Rule, Jared Yates Sexton upends those convenient fictions by laying bare the foundational myths at the heart of our collective American imagination. From the very origins of this nation, Americans in power have abused and subjugated others; enabling that corruption are the many myths of American exceptionalism and steadfast values, which are fed to the public and repeated across generations. Working through each era of American growth and change, Sexton weaves together the origins and perpetuation of these narratives still in the public memory, and the acts we have chosen to forget.  Stirring, deeply researched, and disturbingly familiar, American Rule is a call to examine our own misconceptions of what it means, and has always meant, to be an American.   listen and subscribe to Jared's Podcast  subscribe to his substack newsletter    Check out all things Jon Carroll Follow and Support Pete Coe Pete on YouTube Pete on Twitter Pete On Instagram Pete Personal FB page

On this week's episode of The Audit, Dave, Josh and their guest Jared Yates Sexton, explore PragerU's treatment of the founding fathers. From George Washington's wealth and questionable actions to PragerU's obsession with the founding fathers' heights, they unpack the mythologies and oversimplifications that the American Right invests in these historical figures. Jared Yates Sexton is author of The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis and co-host of the Muckrake Podcast. He challenges the traditional narratives we've been told about Thomas Jefferson, John Adams and James Madison, including their involvement with slavery and underlying concern with maintaining the power of the wealthy elite. The episode opens with an excerpt from the documentary Dreams With Sharp Teeth, directed by Erik Nelson.PragerU videos we discussed this week:What Made George Washington Great?George Washington: A General without an ArmyJohn Adams: American Founder and Second PresidentThe Genius of Thomas JeffersonJames Madison: The Great PragmatistIf you'd like to support this show, head over to www.levernews.com/audit/ and leave a tip for Dave and Josh. To get access to Lever Premium Podcasts, and all the other benefits of a paid subscription, click here. A transcript of this episode is available here.

Author Jared Yates Sexton joins the Lurie Daniel Favors Show for a conversation on his book, "The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis."Follow Lurie Daniel Favors @LurieFavors on Twitter and listen to her live M-F, 10 a.m.-noon ET on SiriusXM, Ch. 126.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. Please subscribe now for as little as 5$ and gain access to a community of over 800 awesome, curious, kind, funny, brilliant, generous souls Check out StandUpwithPete.com to learn more Today Fox news fired Tucker Carlson and CNN fired Don Lemon. It's being called a "media massacre" so I called some of the smartest people in media to ask them about it..... Elie Mystal is The Nation's justice correspondent—covering the courts, the criminal justice system, and politics—and the force behind the magazine's monthly column “Objection!” He is also an Alfred Knobler Fellow at the Type Media Center. He can be followed @ElieNYC. Get his new book? Allow Me to Retort: A Black Guy's Guide to the Constitution Elie is a graduate of Harvard College and Harvard Law School, a former associate at Debevoise & Plimpton, and a lifelong New York Mets fans. One of those things is not like the others. Prior to joining The Nation, Mystal was the executive editor of Above the Law. He's a frequent guest on MSNBC and Sirius XM. He will resist. He can be followed @ElieNYC Jared Yates Sexton  is the author of American Rule: How a Nation Conquered the World but Failed Its People,  Currently, he serves as an associate professor of writing at Georgia Southern University and is the co-host of The Muckrake Political Podcast.  Order his new book The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis   listen and subscribe to Jared's Podcast  subscribe to his substack newsletter    Danielle Moodie co-hosts democracy-ish, channeling the frustration, rage and absurdity that was the 2020 election, while discussing the current state of the political climate and our country from a black progressive perspective. She is the co-founder of the boutique communications and PR firm Moodie-Mills Strategies and makes frequent appearances on MSNBC, CBC, PBS, and BBC America. Danielle has scripted, developed, produced, and/or co-hosted podcasts and miniseries for both radio and TV.  Jeff Jarvis is a national leader in the development of online news, blogging, the investigation of new business models for news, and the teaching of entrepreneurial journalism. He writes an influential media blog, Buzzmachine.com. He is author of “Geeks Bearing Gifts: Imagining New Futures for News” (CUNY Journalism Press, 2014); “Public Parts: How Sharing in the Digital Age Improves the Way We Work and Live” (Simon & Schuster, 2011); “What Would Google Do?” (HarperCollins 2009), and the Kindle Single “Gutenberg the Geek.” He has consulted for media companies including The Guardian, Digital First Media, Postmedia, Sky.com, Burda, Advance Publications, and The New York Times company at About.com. Prior to joining the Newmark J-School, Jarvis was president of Advance.net, the online arm of Advance Publications, which includes Condé Nast magazines and newspapers across America. He was the creator and founding managing editor of Entertainment Weekly magazine and has worked as a columnist, associate publisher, editor, and writer for a number of publications, including TV Guide, People, the San Francisco Examiner, the Chicago Tribune, and the New York Daily News. His freelance articles have appeared in newspapers and magazines across the country, including the Guardian, The New York Times, the New York Post, The Nation, Rolling Stone, and BusinessWeek. Jarvis holds a B.S.J. from Northwestern University's Medill School of Journalism. He was named one of the 100 most influential media leaders by the World Economic Forum at Davos. Juliet Jeske is a former performer and artist who accidentally ended up as a researcher of the hate group known as the Proud Boys long before they were well known. She ended up working with a network of journalists who encouraged her to pursue journalism as a career.  Juliet recently got her masters degree from the Craig Newmark Graduate School of Journalism at CUNY  You have to check out "Decoding Fox News" on Twitter, substack and Youtube Check out all things Jon Carroll Follow and Support Pete Coe Pete on YouTube Pete on Twitter Pete On Instagram Pete Personal FB page Stand Up with Pete FB page

On Tuesday, Donald Trump became the first former U.S. president to be indicted on criminal charges. He faces 34 felony counts of falsifying business records relating to hush money paid to porn star, Stormy Daniels.The scene at the Manhattan courthouse where Mr. Trump appeared was a frenzy of cameras, journalists, protesters and Trump supporters. While this moment is a first in U.S. history, Jared Yates Sexton argues that focusing solely on Trump ignores the underlying factors that brought the country to this point. Jared is a frequent contributor to The Globe and the author of several books including “The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis.” He's on the podcast to tell us about where the MAGA movement that brought Trump to power is at now and how they might shape the current political situation today.Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com

In his latest book, The Midnight Kingdom: A History Of Power, Paranoia, and The Coming Crisis, Jared Yates Sexton traces back a long history of conspiracies that have fueled authoritarianism, right-wing extremism, and led to several crises. It's in examining this history, Sexton argues, that we can best understand the current moment we're living in and how to avoid greater damages from the major issues we face to today - from the climate crisis to gun violence to wealth inequality and more.  Jared Yates Sexton is the co-host of The Muckrake Podcast, author of several books including The Midnight Kingdom. Read The Midnight Kingdom Subscribe to our Substack newsletter "The Climate Weekly" As always, follow us @climatepod on Twitter and email us at theclimatepod@gmail.com. Our music is "Gotta Get Up" by The Passion Hifi, check out his music at thepassionhifi.com. Rate, review and subscribe to this podcast on iTunes, Spotify, Stitcher, and more! Subscribe to our new YouTube channel! Join our Facebook group.

“When you start looking at deeper, more accurate history,” writer Jared Yates Sexton says in this episode of The World in Time, “you start to realize that a lot of what we have learned through conventional history—and this is in public education, best sellers, documentaries, and television shows—a lot of the history that we have gotten is actually mythology. Take a look at the American Revolution. One of the things that you have been taught for all this time is that it was some sort of spontaneous passion of liberty and freedom in which all Americans turned against Great Britain. And, of course, this is not true.” This week on the podcast, Lewis H. Lapham speaks with Jared Yates Sexton, author of “The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis.”

The Social Security trust fund will be broke by 2034, so policymakers need to begin crafting bipartisan solutions to continue funding the Social Security program. If policymakers fail to act, they will face a stark choice: raise payroll taxes to make up the difference or cut benefits across the board. Jack Salmon joins me to share some ideas to prevent the system's collapse.  Video - https://youtu.be/vkFe6lCKpRw Jack Salmon is a Young Voices contributor and writer on economics. His commentary has been featured in various outlets, including the Hill, Business Insider, RealClearPolicy, and National Review Online.  Social Security Needs Bipartisan Solutions - https://www.realclearpolicy.com/articles/2022/12/06/social_security_needs_bipartisan_solutions_868597.html Join our Patreon now for commercial-free shows, bonus content and our complete archives - https://www.patreon.com/wearelibertarians ---- This episode is brought to you by Iconic Insurance. Fifteen percent of Americans are left to find health insurance on their own. You might feel overwhelmed, lost, or frustrated, and if that's you, feel in control of your health with Matt Allen's help. Visit www.iconic-insurance.com/libertarians to get started. ---- Thanks to our sponsor, Lions of Liberty. Unlock the power of freedom with Lions of Liberty - the premier libertarian/anarchist podcast network. Join John Odermatt on Mondays for a dose of inspiration, health, and faith with 'Finding Freedom.' Get a good laugh with Brian McWilliams on Wednesdays as he takes on the broken world with 'Mean Age Daydream.' And don't miss out on the infamous 'Libertarians in Living Rooms Drinking Liquor' episodes and 'Meme Wars' and 'Hatewatch' on Fridays. Take the first step towards true freedom and listen to the Lions of Liberty Network on all major podcast platforms today. Learn more at https://www.lionsofliberty.com. --- Q Sleep Spray assists in achieving a more restful sleep so you can wake up refreshed. Q SLEEP contains incredible ingredients, including melatonin, 5-HTP, and L-theanine, as well as a proprietary herbal extract, which synergistically promotes restful sleep and helps your mind and body rejuvenate. Buy Now - https://wearelibertarians.com/sleepspray/ --- Chris Spangle and Leaders and Legends, LLC edited and produced this podcast. If you're interested in starting a podcast or taking yours to the next level, please contact us at LeadersAndLegends.net. ---- Looking to start a podcast? Download my podcast Podcasting and Platforms now, and check out my recommendations for buying the right equipment. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this edition of Parallax Views, Jared Yates Sexton, host of The Muckrake Podcast and author of American Rule: How A Nation Conquered The World But Failed Its People, joins us to discuss his latest book The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis. In The Midnight Kingdom Jared delves into the lies, paranoia, mythologies, and pursuit of power the undergirds the far-right movements that have become a worldwide concern in recent years due incident to the Jan 6th insurrection in Washington, D.C. and the similar uprisings/riots that happened in Brazil after Lula de Silva defeated Jair Bolsonaro to once again become that country's President. Among the topics discussed in this conversation: - Conspiracies, real and imagined; the far-right wing, conspiracy theories, and the conspiratorial view of history - What does the title The Midnight Kingdom refer to and how does it relate to the apocalyptic vision of the world presented by controversial Russian thinker Aleksander Dugin? - The crisis of institutional power in America today that elements of both the right and left are recognizing; neoliberalism, the neoliberal consensus, hyper-capitalism, and inequality - Jared's examination of cycles of history in The Midnight Kingdom and how it differs from, for example, right-wing operative Steve Bannon's preferred cycles of history theory known as "The Fourth Turning" - How power protects itself in a society - Paranoia as the basis for modern American society and conspiracy theories in modern American history - Real conspiracies, journalist Sarah Kendzior's They Knew: How a Culture of Conspiracy Keeps America Complacent, and the World Economic Forum in Davos - The destabilization of the middle class, the need for explanations for that destabilization, and how the right-wing offers that explanation through Grand Conspiracy Narratives - The targeting of vulnerable communities by the right-wing's brand of conspiratorial thinking - How ancient Rome ties into Jared's analysis in The Midnight Kingdom; imperial cults, social mythologies, and the fall of civilizations - How the history of Christianity, apocalypticism, and narratives of power figures into Jared's analysis; how bastardized religion is utilized to promote war, imperialism, patriarchy, racism, wealth inequality and more; Christian nationalism and white nationalism; Jared's evangelical Christian upbringing - People's desperation for meaning; the rise of evangelical Christianity as a political force in American life; atomization in neoliberal society and the rise of the far-right - The Republican Party is not a homogenous movement; the emergence of an anti-neoliberal, reactionary right-wing; the left and the right have different criticisms of the neoliberal society and prescriptions for dealing with the problems of neoliberal society - Operation Gladio and Operation Condor and the lack of a strong left in the U.S. - The idea of homo economicus, the hollow existence neoliberalism provides, the dog-eat-dog world mentality of neoliberal society, and the reality TV series Survivor - Christian nationalism, feudalistic ideas, hierarchical power, and theocratic control - The individual, the atomized society, Ronald Reagan and Margaret Thatcher as the PR front for neoliberalism in the 1980s, the book Bowling Alone: The Collapse and Revival of American Community, and the destruction of labor unions and class solidarity - Academia, specialized knowledge, and the working class's lack of access to that knowledge - Marjorie Taylor Greene's rhetoric about "woke" corporations; the lack of understanding about what communism is, what Karl Marx wrote, and what neoliberalism is; the right's ideas about the natural right and natural order; feudalism and the concept of the "Great Chain of Being"; eugenics and social Darwinism - Argument about "wokeism" and the problem of woke-washing by major corporations - Tucker Carlson and illiberalism, neoliberalism and authoritarianism, Friedrich Hayek and neoliberalism; and how the right-wing protects the powerful - The New Cold War between U.S. and China, American protectionism, the unraveling of globalization, and the end of "The End of History" - Tackling the criticism that Jared's book is anti-religion; why he disagrees with that assessment; the weaponization and bastardization of religion by systems of power for purposes of control ;Catholic converts and the TradCath phenomena; the value of spirituality; Traditionalism and right-wing mythologies; Ancient Aliens, Erich Von Daniken's Chariots of the Gods, and racialism - Explaining the rise of QAnon - A discussion of the Brazilian uprisings and the Jan 6th riots after Donald Trump lost the 2020 election to Joe Biden; the funding of these uprisings/riots by right-wing billionaires; the Proud Boys, the Oathkeepers, and right-wing paramilitary groups; the QAnon shaman, MAGA, and the belief of the rioters that they were saving the government from a "deep state" coup; how people are primed into QAnon, MAGA, and similar movements; how people are animated by mythologies that make them the heroes of their own story - Discussing the concept and idea of the deep state; technocracy and the administrative state; why Trump resonated with a portion of the American populace; authoritarianism and the desire to be part of something bigger than oneself - The problem with blaming "hillbillies" for the rise of the far-right - Pro wrestling, kayfabe, how WWE's "Montreal Screwjob" helps us understand the modern political moment, Hulk Hogan and the power of mythological storytelling, the pro wrestling-ification of television news and political media like Tucker Carlson, and political grifting - The culture war over M&M's and the illusion of ideology and rebellion in consumerism - Briefly discussing the movie Judas and the Black Messiah about Fred Hampton and the Black Panthers and its relevance - The concept of freedom on the left and the right; the left's pro-freedom, liberatory narrative - And more!

Jared Yates Sexton is a political analyst and author. His work has appeared in The New York Times, The New Republic, Politico, The Daily Beast, and elsewhere. He is the co-host of The Muckrake Podcast and his new book THE MIDNIGHT KINGDOM: A History of Power, Paranoia, and the Coming Crisis is now available to order. --- Send in a voice message: https://anchor.fm/alyssa-milano-sorry-not-sorry/message

Thursday, January 26th, 2022   Jared Yates Sexton is a self-described Hoosier, a Political Analyst, and host of the Muckrake Podcast. His latest book is The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis. We discuss our current era of neo-liberalism and what may be in store in the future.    One of the most dangerous things that Reagan and Thatcher did on behalf of neoliberalism was convince people that government is impotent. This has eaten away at the authority of the state and reduced confidence in government regulation. Further, neoliberalism has reduced citizens into consumers who are left talking about consumer preferences as opposed to real politics. Jared predicts that the end of neoliberalism is nigh.    Follow Jared on Twitter:  https://twitter.com/JYSexton    Follow Mila on Twitter:  https://twitter.com/milaatmos    Follow Future Hindsight on Instagram:  https://www.instagram.com/futurehindsightpod/   Love Future Hindsight? Take our Listener Survey!  http://survey.podtrac.com/start-survey.aspx?pubid=6tI0Zi1e78vq&ver=standard    Want to support the show and get it early?  https://patreon.com/futurehindsight    Check out the Future Hindsight website!  www.futurehindsight.com   Read the transcript here:  https://www.futurehindsight.com/episodes/overcoming-neoliberalism-jared-yates-sexton    Credits:  Host: Mila Atmos  Guests: Jared Yates Sexton Executive Producer: Mila Atmos Producers: Zack Travis and Sara Burningham

Joy Reid leads this episode of The ReidOut with the news of the failed GOP candidate who was arrested after a string of shootings targeting New Mexico Democrats, including Adriann Barboa who joins us with her experience. This case is just the latest example of how years of right-wing crackpot conspiracy theories including election denial have real consequences, Joy Reid and her panel of expert guests observe. Plus, author Jared Yates Sexton joins The ReidOut on his new book, 'The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis.' Then, Former Ambassador to Russia Michael McFaul tells us that Russia needs a "big bang" approach with more weapons, bigger sanctions, and designation as a state sponsor of terrorism by the U.S. All this and more in this edition of The ReidOut on MSNBC.

John gives a monologue on the legacy of Martin Luther King Jr. and how Ron DeSantis blocks voting rights. Then he interviews author Jared Yates Sexton about his book “The Midnight Kingdom: The History of Power, Paranoia, and the Coming Crisis”. Next he welcomes back comedian Lee Papa AKA The Rude Pundit and they talk about current politics. Then finally political analyst and researcher Dr. Tracy Pearson returns and they discuss MTG, George Santos, Trump and more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Pretty much everyone begged Pete Buttigieg to alleviate airline issues and better regulate the airlines like Southwest. He didn't. David Sirota, founder and editor-in-chief of The Lever news site, joins this episode of The New Abnormal to share his take on the Department of Transportation Secretary's inaction, everything he could have done to stop the chaos, and all of the ways he could regulate airlines like Southwest if he wanted to. Also in this episode! Jared Yates Sexton, co-host of the Muckrake podcast and author of The Midnight Kingdom: A History of Power Paranoia and The Coming Crisis, joins the podcast to break down how the right became so powerful, and why we need to get angrier about so-called “normal” Kevin McCarthy and Ron DeSantis—or else.  Hosted on Acast. See acast.com/privacy for more information.

Writer, political analyst, and co-host of The Muckrake podcast, Jared Yates Sexton takes a hard look at our nation's history to fully understand these strange and dangerous times in his book "The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis."

Mike & Nick on President Biden's handling of classified documents & the subsequent appointment of a special counsel, plus, author & host of 'The Muckrake' podcast, Jared Yates Sexton joins the pod to discuss his new book 'The Midnight Kingdom: A History of Power, Paranoia and the Coming Crisis'.One cup is all it takes to fall in love with our sponsors over at Fresh Roasted Coffee. Coffee, teas, syrups, merchandise & more, head to https://www.freshroastedcoffee.com/ and enter in the promo code CANWEGET20 for 20% off your first purchase.Want to appear on a podcast to promote yourself or your brand? Visit https://kitcaster.com/cwpt/ and sign up to be featured on a podcast today!Support this show http://supporter.acast.com/can-we-please-talk. Become a member at https://plus.acast.com/s/can-we-please-talk. Hosted on Acast. See acast.com/privacy for more information.

Jared is the author of a brand new book dropping 1/17 called Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis. He's also the co-host of the Muckrake Podcast, so today we'll talk about the rise of authoritarianism and fascism in America and the media machine that made it all happen. Where will this lead? How will it end? Will democracy endure? We'll try to answer all of these questions today. Preorder the book here and listen to the Muckrake podcast here. Meantime, please help support this show by subscribing to our Patreon page at Bobcescashow.com. Bob's Linktree.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hey Friends!   Sorry today's show was posted a little late. I went to bed early and got up early to get the best audio and analysis of Sen Warnock's big win in Georgia lastnight! I have 2 great guests who I spoke to before the results were in that I think you will love.    Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. Please subscribe now for as little as 5$ and gain access to a community of over 730 awesome, curious, kind, funny, brilliant, generous souls Check out StandUpwithPete.com to learn more   Jared Yates Sexton  is the author of American Rule: How a Nation Conquered the World but Failed Its People,  Currently, he serves as an associate professor of writing at Georgia Southern University and is the co-host of The Muckrake Political Podcast.    Pre Order his new book The Midnight Kingdom: A History of Power, Paranoia, and the Coming Crisis   From writer and political analyst Jared Yates Sexton comes a  journey through the history of the United States, from the nation's founding to the twenty-first century, which examines and debunks the American myths we've always told ourselves.  In recent years, Americans have faced a deluge of horrifying developments in politics and culture: stolen elections, fascist rallies, families torn apart and locked away. A common refrain erupts at each new atrocity: This isn't who we are. In American Rule, Jared Yates Sexton upends those convenient fictions by laying bare the foundational myths at the heart of our collective American imagination. From the very origins of this nation, Americans in power have abused and subjugated others; enabling that corruption are the many myths of American exceptionalism and steadfast values, which are fed to the public and repeated across generations. Working through each era of American growth and change, Sexton weaves together the origins and perpetuation of these narratives still in the public memory, and the acts we have chosen to forget.  Stirring, deeply researched, and disturbingly familiar, American Rule is a call to examine our own misconceptions of what it means, and has always meant, to be an American.   listen and subscribe to Jared's Podcast  subscribe to his substack newsletter    Dr BRIAN ROSENWALD is the author of Talk Radio's America: How an Industry Took Over a Political Party That Took Over the United States, editor of the Washington Post blog Made by History, and scholar-in-residence at the University of Pennsylvania. Check out his new Substack Newletter: https://brianrosenwald.substack.com/ From Brian's Website : I am a scholar in residence at the Partnership for Effective Public Administration and Leadership Ethics at the University of Pennsylvania, an instructor at Penn, and author of Talk Radio's America: How an Industry Took Over a Political Party That Took Over the United States. I serve as the Editor-In-Chief of Made By History, a Washington Post history section, and as a political analyst for NBC10 Philadelphia. Previously, I did the research for the Slate podcast Whistlestop. I work at the intersection of 4 disciplines— history, political science, media studies, and communications. My scholarly interests include Congress, the media, public policy, and the Supreme Court. I also have significant interests in the substance of public policy and in helping scholars to reach a wider audience with their work. I am a passionate and devoted teacher with substantial teaching experience across multiple disciplines. I love to experiment in the classroom with innovative methods and course elements. Check out all things Jon Carroll Follow and Support Pete Coe Pete on YouTube Pete on Twitter Pete On Instagram Pete Personal FB page  

***Click here to join THC+ and get full uninterrupted 2 hour episodes, a dedicated Plus RRS feed, lifetime forum access, merch discounts, & other bonuses like free downloads of THC music.*** See detailed sign up options down below. About Today's Guest: Texas Slim has seen the problems with our food supply and started the Beef Initiative to help fix them by educating both producers and consumers of the better way. The Beef Initiative represents a return of classic, regenerative methods of understanding the source of our food and the access to high-quality grass-fed beef. The only way to secure the highest quality food for your family is to meet a rancher, and locally source your own meat. But this is not possible for everyone, especially for those that don't live near the country-side or a ranch. That's where The Beef Initiative comes in. They can connect you with ranchers in your area for beef boxes delivered to your door. Texas Slim's Links: Beef Initiative Home: https://beefinitiative.com/ Substack: https://texasslim.substack.com/ Podcast: https://www.youtube.com/c/BeefInitiative THC Links: Website Proper MeetUps Calendar THC T-shirts & Merch Store  Leave a voicemail for the Joint Session Bonus Shows Leave us an iTunes review THC Communities:  Telegram Subreddit THC Plus Sign-Up Options: Subscribe via our website for a full-featured experience: thehighersidechats.com/plus-membership Subscribe via Patreon, including the full Plus archive, a dedicated RSS feed, & payment through Paypal. To get a year of THC+ by cash, check, or money order please mail the payment in the amount of $96 to: Greg Carlwood PO Box: 153291 San Diego, CA 92195 Cryptocurrency If you'd like to pay the $96 for a year of THC+ via popular Cryptocurrencies, transfer funds and then send an email to support@thehighersidechats.com  with transaction info and your desired username/password. Please give up to 48 hours to complete. Bitcoin: 1AdauF2Mb7rzkkoXUExq142xfwKC6pS7N1 Ethereum: 0xd6E9232b3FceBe165F39ACfA4843F49e7D3c31d5 Litecoin: LQy7GvD5Euc1efnsfQaAX2RJHgBeoDZJ95 Ripple: rnWLvhCmBWpeFv9HMbZEjsRqpasN8928w3 Solana: FvsBazMY9GAWuWqh5RH7musm9MPUw7a5uF6NVxxhNTqi Doge: D7ueXbfcKfhdAWrDqESrFjFV6UxydjsuCC Monero: 4ApmFHTgU72QybW194iJTZHZb6VmKDzqh5MDTfn9sw4xa9SYXnX5PVDREbnqLNLwJwc7ZqMrYPfaVXgpZnHNAeZmSexCDxM

Republicans are organizing their fascist takeover in plain sight. The writing is on the wall: defund public education, turn vulnerable communities into villains, continue to feed the monster of capitalism while denying citizens the ability to meet their basic needs. History is our greatest teacher and yet no one is paying attention to lessons. Jared Yates Sexton, host of Muckrake, and author of the upcoming book The Midnight Kingdom: A History of Power, Paranoia l, and The Coming Crisis joins Danielle and Waj on the latest episode of Democracyish Hosts: Danielle Moodie & Wajahat Ali Executive Producer: Adell Coleman Senior Producer: Quinton Hill Distributor: DCP Entertainment Please check our show survey below: https://docs.google.com/forms/d/e/1FAIpQLSd8QT7g1bzljCysSHmMCU6bm4sjw-hzysiPCOYO2CyGhcZO_w/viewform Learn more about your ad choices. Visit podcastchoices.com/adchoices

There are a lot of challenges facing emerging markets right now. For a start, the dollar has been pretty strong, heaping pressure on governments that have borrowed in a foreign currency. Meanwhile, energy and food prices are soaring. These are two things that emerging markets often have to import, or subsidize for their citizens. Put it altogether and you have a toxic mix facing developing nations, and we've already seen acute problems emerge in Sri Lanka and Lebanon. On this episode, we speak with Jay Newman, a long-time EM debt specialist and a former portfolio manager for Elliott Management. Jay has a wealth of experience in emerging markets -- including successfully going head-to-head with Argentina after the country defaulted on its debt. In this episode, he describes how the world is in for one of the worst EM debt crises in decades, and gives us his thoughts on how foreign investors should approach these markets. He's just published his first novel, a financial, political thriller: Undermoney.  See omnystudio.com/listener for privacy information.

We are entering into a very challenging time in US economic history, but make no mistake, this will impact entrepreneurs on a global scale. People are starting to see the symptoms of the coming crisis, and entrepreneurs in particular are starting to get scared that they are going to lose their businesses and their security. I'm here to tell you that in any crisis, there is opportunity. Entrepreneurs like you and me are the only source of consistent positive human evolution, and we always will be. There is another way to navigate the crisis at our doorstep where you can turn crisis into momentum. In this episode of the Momentum Podcast, you will hear part 2 of the conversation Alex had with Ani Manian about the crisis. Alex shares his experience and the evidence of what is to come, as well as the strategy to navigate this crisis to stay in momentum. Because, remember, you can be in momentum, your business can be in momentum, your family can be in momentum, while the rest of the world is in crisis. The Momentum Podcast is created specifically for entrepreneurs like you to get into momentum and take the rest of the world with you. If this episode helped you do that, take a moment and leave a review. Let us know how we have helped you make a bigger impact on the world. Our entrepreneurial journey doesn't end here! Be sure to check out our Facebook Community filled with entrepreneurs just like you who are getting into momentum and building world-changing empires ---> https://simpleoperations.com/community If you are an entrepreneur who is growing and scaling a business, go to https://simpleoperations.com

We are entering into a very challenging time in US economic history, but make no mistake, this will impact entrepreneurs on a global scale. People are starting to see the symptoms of the coming crisis, and entrepreneurs in particular are starting to get scared that they are going to lose their businesses and their security. I'm here to tell you that in any crisis, there is opportunity. Entrepreneurs like you and me are the only source of consistent positive human evolution, and we always will be. There is another way to navigate the crisis at our doorstep where you can turn crisis into momentum. In this episode of the Momentum Podcast, Alex has a very candid conversation with Ani Manian about the crisis. Alex shares his experience and the evidence of what is to come, as well as the strategy to navigate this crisis to stay in momentum. Because, remember, you can be in momentum, your business can be in momentum, your family can be in momentum, while the rest of the world is in crisis. The Momentum Podcast is created specifically for entrepreneurs like you to get into momentum and take the rest of the world with you. If this episode helped you do that, take a moment and leave a review. Let us know how we have helped you make a bigger impact on the world. Our entrepreneurial journey doesn't end here! Be sure to check out our Facebook Community filled with entrepreneurs just like you who are getting into momentum and building world-changing empires ---> https://simpleoperations.com/community If you are an entrepreneur who is growing and scaling a business, go to https://simpleoperations.com

On this episode of Red Menace, Alyson and Breht discuss the recent Supreme Court leak and the implications of Roe's dismantling, then they turn to George Friedman's thesis in his book "The Storm Before the Calm: America's Discord, the Coming Crisis of the 2020s, and the Triumph Beyond" - responding to it, criticizing it, and reflecting on what its predictions might mean for the revolutionary left.    Support Red Menace and get access to bonus monthly content on Patreon here: https://www.patreon.com/TheRedMenace