Podcasts about Complex

We go back to the DMV.  Twice.Our website is HERE:  System Speak Podcast.You can submit an email to the podcast HERE.Content Note: Content on this website and in the podcasts is assumed to be trauma and/or dissociative related due to the nature of what is being shared here in general.  Content descriptors are generally given in each episode.  Specific trigger warnings are not given due to research reporting this makes triggers worse.  Please use appropriate self-care and your own safety plan while exploring this website and during your listening experience.  Natural pauses due to dissociation have not been edited out of the podcast, and have been left for authenticity.  While some professional material may be referenced for educational purposes, Emma and her system are not your therapist nor offering professional advice.  Any informational material shared or referenced is simply part of our own learning process, and not guaranteed to be the latest research or best method for you.  Please contact your therapist or nearest emergency room in case of any emergency.  This website does not provide any medical, mental health, or social support services. ★ Support this podcast on Patreon ★

Return to foundational wellness practices and discover why mastering the basics outperforms complicated protocols. If you want to take this work deeper, grab my book The Consistency Code: A Midlife Woman's Guide to Deep Health and Happiness. ✨ It's the roadmap midlife women are using to lead themselves powerfully in the health arena and beyond. Available now at https://theconsistencycode.com 

What if your AI systems could explain why something will happen before it does, rather than simply reacting after the damage is done? In this episode of Tech Talks Daily, I sat down with Zubair Magrey, co-founder and CEO of Ergodic AI, to unpack a different way of thinking about artificial intelligence, one that focuses on understanding how complex systems actually behave. Zubair's journey begins in aerospace engineering at Rolls-Royce, moves through a decade of large-scale enterprise AI programs at Accenture, and ultimately leads to building Ergodic, a company developing what he describes as world models for enterprise decision making. World models are often mentioned in research circles, but rarely explained in a way that business leaders can connect to real operational decisions. In our conversation, Zubair breaks that gap down clearly. Instead of training AI to spot patterns in past data and assume the future will look the same, world-model AI focuses on cause and effect. It builds a structured representation of how an organization works, how different parts interact, and how actions ripple through the system over time. The result is an AI approach that can simulate outcomes, test scenarios, and help teams understand the consequences of decisions before they commit to them. We explored why this matters so much as organizations move toward agentic AI, where systems are expected to recommend or even execute actions autonomously. Without an understanding of constraints, dependencies, and system dynamics, those agents can easily produce confident but unrealistic recommendations. Zubair explains how Ergodic uses ideas from physics and system theory to respect real-world limits like capacity, time, inventory, and causality, and why ignoring those principles leads to fragile AI deployments that struggle under pressure. The conversation also gets practical. Zubair shares how world-model simulations are being used in supply chain, manufacturing, automotive, and CPG environments to detect early risks, anticipate disruptions, and evaluate trade-offs before problems cascade across customers and regions. We discuss why waiting for perfect data often stalls AI adoption, how Ergodic's data-agnostic approach works alongside existing systems, and what it takes to deliver ROI that teams actually trust and use. Finally, we step back and look at the organizational side of AI adoption. As AI becomes embedded into daily workflows, cultural change, experimentation, and trust become just as important as models and metrics. Zubair offers a grounded view on how leaders can prepare their teams for faster cycles of change without losing confidence or control. As enterprises look ahead to a future shaped by autonomous systems and real-time decision making, are we building AI that truly understands how our organizations work, or are we still guessing based on the past, and what would it take to change that? Useful Links Connect with Zubair Magrey Learn more about Ergodic AI Thanks to our sponsors, Alcor, for supporting the show.

In this radio golden oldie from September 4, 2007, Savage exposes the pharmaceutical-industrial complex and the blight of hippie culture. He criticizes the hypocrisy of politicians, both Democrats and Republicans, highlighting their involvement in earmark spending and corruption. He warns against the overmedication of children and the pharmaceutical industry's pursuit of profit. He then mocks the glorification of the aging hippies and how they harmed society.

Welcome back Joes. Roll call this month: Kevin Reitzel Codename: Raider Nerd - Twitter @spartan_phoenix and https://fpnet.podbean.com/ David Finn - https://www.facebook.com/signalofdoom Brad Abraham Codename: The Headcast Ed McMahon -  http://bradabraham.com/ or at Zartanhater@Zartansucks.com Hey Joes!. Once again, this episode is proudly sponsored by Big Danny Cool and Shawn Adams! This month we're back after a hiatus for the holidays.... First up, we look at issue 65, Shuttle Complex as we get a look at the G.I. Joe shuttle and out team goes to space! After that we all announce our Real American Hero for the issue and our favorite page of art. Then we have Postbox: The Pit with our Solider of the Month! Finally we watch The Great Alaskan Land Rush and have our monthly PSA. Write in to gijoe@headspeaks.com and we'll read your letter on the air! Take a listen and let us know what you think. On Facebook and Twitter we can be found by searching for G.I. Joe: A Real American Headcast And be sure to look for us on Patreon. If you like what we're doing, join Big Danny Cool, Shawn Adams and Bill Bere and throw a few bucks in the tin at http://patreon.com/HeadcastNetwork. You can also call us at 559-500-3182‬ and leave a message and we will play your message on the air. Join us next month for our look at issue 66 of G.I. Joe: A Real American Hero, and the next cartoon. Yo Joe!

Deepak Puri, CEO of The Democracy Labs, shines a light on how free and low-cost apps can simplify political intrigue and complex social issues and be used to educate and motivate.  Visualization tools for relationship mapping, accountability mapping, and crowdsourcing increase civic engagement, hold elected officials accountable, and counter disinformation and conspiracy theories. Deepak and I talk about: Relationship mapping tools such as Kumu.io which are effective for exposing hidden financial and personal connections between individuals and organizations Accountability maps from Esri that serve to directly connect decisions of elected officials to tangible consequences and outcomes in their districts Crowdsourcing apps like Padlet which is a way to engage individuals in real-time information gathering and mobilization allowing for rapid response and collective documentation of events #TheDemLabs #PoliticalAccountability #DataVisualization #CivicEngagement #PoliticalTransparency #SocialJustice #VotingRights #CitizenJournalism #PoliticalData #CommunityOrganizing #Kumuio #Esri #Padlet TheDemLabs.org    

SEGMENT 5: CANADA-CHINA TRADE RELATIONS Guest: Charles Burton Burton examines Canada's complex trade relationship with China amid growing geopolitical tensions. Discussion covers economic dependencies, security concerns over Chinese investment, and how Ottawa balances commercial interests against pressure from Washington to reduce reliance on Beijing for critical goods and strategic resources.1884 OTTAWA RIVER

In the era of AI, sometimes a story is really just too good to be true, even if the initial evidence suggests otherwise.And as artificially engineered content becomes mainstream, journalists need to go the extra mile to verify a story's authenticity.Casey Newton from Platformer spoke with “Marketplace Tech” host Meghan McCarty Carino about his recent wild goose chase that ended in an AI hoax.

In the era of AI, sometimes a story is really just too good to be true, even if the initial evidence suggests otherwise.And as artificially engineered content becomes mainstream, journalists need to go the extra mile to verify a story's authenticity.Casey Newton from Platformer spoke with “Marketplace Tech” host Meghan McCarty Carino about his recent wild goose chase that ended in an AI hoax.

We look at trying to see ourselves accurately using step four from recovery.Our website is HERE:  System Speak Podcast.You can submit an email to the podcast HERE.Content Note: Content on this website and in the podcasts is assumed to be trauma and/or dissociative related due to the nature of what is being shared here in general.  Content descriptors are generally given in each episode.  Specific trigger warnings are not given due to research reporting this makes triggers worse.  Please use appropriate self-care and your own safety plan while exploring this website and during your listening experience.  Natural pauses due to dissociation have not been edited out of the podcast, and have been left for authenticity.  While some professional material may be referenced for educational purposes, Emma and her system are not your therapist nor offering professional advice.  Any informational material shared or referenced is simply part of our own learning process, and not guaranteed to be the latest research or best method for you.  Please contact your therapist or nearest emergency room in case of any emergency.  This website does not provide any medical, mental health, or social support services. ★ Support this podcast on Patreon ★

In this episode of NP Pulse: The Voice of the Nurse Practitioner®️, Drs. Eric Lenze and Megan Morgenthaler will discuss evidence-based treatments for older adults living with treatment-resistant depression using the findings from the Antidepressant Augmentation versus Switch in Treatment-Resistant Geriatric Depression study. Treatment-resistant depression is a form of major depressive disorder that has not responded to at least two antidepressant treatments. Upon successful completion of this podcast, you will be able to: Define treatment-resistant depression in older adults. Describe how to use medication augmentation/switching for treatment-resistant depression. Explain one approach to deprescribing medications for older adults. This episode was developed as part of the American Association of Nurse Practitioners'® (AANP) Clinical Effectiveness Research Initiative, which is funded by a Eugene Washington Patient-Centered Outcomes Research Institute Engagement Award (EADI #35224).  A participation code will be provided at the END of the podcast — make sure to write this code down. Once you have listened to the podcast and have the participation code, return to this activity in the AANP CE Center and follow these steps: Register for this activity. Click on the "Next Steps" button. Enter the participation code that was provided. Complete the activity evaluation. This will award your continuing education (CE) credit and certificate of completion. 0.75 CE, 10 RX, will be available through Dec. 31, 2027. Please see below for links to resources that the speakers mentioned in the episode. Substance Abuse and Mental Health Services Administration (SAMHSA): Treatment Services Locator for finding local mental health providers and 988 Suicide & Crisis Lifeline with 24/7 support. National Alliance on Mental Illness (NAMI): Education material on depression and treatment as well as local and virtual support groups for patients and families. Depression and Bipolar Support Alliance (DBSA): In-person and virtual peer-led support groups fostering connection and encouragement. DBSA also has information on wellness tools and community resources. National Coalition on Mental Health and Aging (NCMHA): Provide access to depression screening tools and caregiver guides. National Council on Aging (NCOA): Offers senior-friendly mental health education and coping strategies.

In this special episode 50 of the Trust Psyche Podcast, Travis DiRuzza, PhD and Jessica DiRuzza, MFT dive into a two-hour, long-form conversation, inviting listeners into an intimate dialogue that originally unfolded as their own date night—an unedited, living exchange where relationship itself becomes the vessel for depth psychology, astrology, and the question of and quest for meaning-making.  Margaret Magnus's phonetic work lays the fertile ground for this conversation between letters and planets, and between material reality and the numinous realm. Guided by the archetypes of consonant sound—such as the beginnings of B, the power of P, and the virtue of V—this episode explores the Saturn–Neptune complex as it lives in psyche, culture, and cosmology. Topics include masculine and feminine dynamics, the patriarchy, social justice, neurodiversity, solar returns, Plato, and lived relational experience. 

The message presents a theological and therapeutic framework for addressing the deeply entrenched, demonically influenced systems within individuals suffering from complex dissociative disorders, emphasizing that the core of healing lies in reaching the 'original person'—the individual created by God at the moment of conception—whose spiritual authority can dismantle the entire demonic structure. It argues that while the system is hierarchically organized with layers of alters and cultic spirits exerting control through fear, programming, and volitional override, the original person, though devalued and marginalized by the system, holds the key to liberation through a therapeutic alliance built on trust, safety, and spiritual warfare. The central strategy involves establishing rapport with the presentation-level alters, using their cooperation to access the original person, and then applying the 'Rule of Victor'—a spiritual authority-based intervention—to sever the cultic spirits' hold and destabilize the demonic power structure. The process requires patience, discernment, and a commitment to working through the system's authority layers, replacing harmful roles with godly purposes, while cautioning against premature integration until the foundation of the original person is firmly established. Ultimately, the sermon calls for courage, humility, and reliance on God's sufficiency in confronting the darkness, affirming that spiritual victory is possible through Christ's authority and the believer's faith.

Wednesday January 21, 2026 West Virginia Data Complex Raises Pollution Risks

What does Hawking radiation look like falling into a black hole? Will we ever find a theory of everything? Neil deGrasse Tyson and comedian Chuck Nice answer questions about invisible fields, many worlds, entropy, the theory of everything, and more with theoretical physicist and philosopher Sean Carroll. NOTE: StarTalk+ Patrons can listen to this entire episode commercial-free here: https://startalkmedia.com/show/cosmic-queries-the-complex-universe-with-sean-carroll/Thanks to our Patrons Craig Rowley, kickhead, Derek Kainz, Mircea Buga, Erin Anthony, Michael Sayer, amadou, Jacob Spector, Michael Burch, Nick Miller, James Campbell, Kathi Drake, Anthony Paz, Mike mendoza, Andrew Henke, Mitch Majernik, John Euill, Ryan LeDuc, Mimi, Conner Mathis, Jeffrey Roe, Marie Richards, Thomas Wilgus jr, Cora Bailey, Alexandra Ursu, Jeffrey, Bryan Berg, NeXuSLemming, Elizabeth, John Shortridge, Ross S, Jose E Gonzalez, Luis Antonio Reyes Roman, Drops-A-Lot, David, Vega, Suranga Rajapakse, Colin McIsaac, Croule, Ping Xiong, Jennifer White, AkKaris, Nina Barton, Ethan Simmonds, anthro-po-COSMIC Dylan, Mark Daniel Cohen, Alan Short, Ryker Voets, Phobicdragon, Manuel Cadena, Walter Rimler, Nolan, Jason 'Jake' Kennedy, Sapien 6, Stephen Landau, Bret, Sp33dy86, Jim Sartor, Tony Parr, Sylvia Vassileva, Chris, john holstein, Lindy, Violet Hefner, David Wolery, kincade ewing, Bas Oosterveld, Clare Chevalier, Ruth Hall, Jonáš Burger, Shourov Kundu, Renato Sampaio, Gainbrainx, Allistare Lute, Royce Ashcroft, Emily Najemy, Paul Beachum, Bengt Weerstand, Osuch, Finn Family, Ricky, pa rn, David the Curious One, Brie Welch, Watt deFino, J. S. Pitcher, Marysa Muceli, and Joe K for supporting us this week. Subscribe to SiriusXM Podcasts+ to listen to new episodes of StarTalk Radio ad-free and a whole week early.Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this powerful episode of the Stuck In My Mind Podcast, host Wize El Jefe welcomes visionary entrepreneur Greg Selkoe, best known for founding the influential streetwear brand Karma Loop, leading the esports powerhouse Faze Clan, and now steering the cutting-edge gaming lifestyle brand XSET as CEO and co-founder. This honest, inspiring conversation is a masterclass for creators, culture builders, and anyone pursuing a dream against the odds. From the jump, Wize El Jefe sets the stage, giving listeners a glimpse into Greg Selkoe's cultural impact—from collaborations with icons like Lil Wayne, Osuna, and Pharrell's camp, to partnerships with brands like the Boston Red Sox and HyperX. But as the episode unfolds, it's clear this story goes much deeper than flashy names and million-dollar deals—it's about authentic passion, grit, resilience, and growth. The Roots of Culture Building The episode kicks off as Greg Selkoe traces his journey from Boston's vibrant street culture to global entrepreneurship. He reveals how an early obsession with breakdancing, graffiti art, skateboarding, punk rock, and hip hop influenced his worldview. Rather than seeing these movements as separate lanes, he felt at home in all of them—setting the stage for Karma Loop, which wasn't just about selling clothes, but celebrating the energy and diversity of urban culture. Greg Selkoe describes how this merged into his approach at XSET, aiming to build “a media company” that puts culture first, amplifies creators, and tells compelling brand stories. Resilience Through Setbacks One of the episode's major themes is resilience. Both Greg Selkoe and Wize El Jefe reflect on their entrepreneurial journeys, emphasizing that setbacks and failures are inevitable. Greg Selkoe shares candidly about Karma Loop's highs and lows—from its $150 million peak to private equity challenges that forced him to rebuild from scratch. He offers hard-earned lessons: “Don't think someone's going to come along and save you if you're having trouble in your business, you got to rely on yourself.” The best way not to fail? Keep going. Wize El Jefe reciprocates, sharing his own risk-taking path in podcasting, internet radio, and launching a media company. The key takeaway is treating each setback as a learning experience—a stepping stone rather than an endpoint. Business Lessons That Transcend Formal Education Unlike many entrepreneurs, Greg Selkoe didn't start with a business degree—he studied urban planning at Harvard, inspired by his mother's work. But he credits this background for shaping his community-first approach. “Passion for what I was doing came from another part of me than what normally would be... I think that authenticity came through everything we did.” Rather than targeting a market, he built organically around what he loved—and learned the other business skills on the job and through mentorship. This authenticity, he believes, gave his brands a unique edge and fostered community. Building XSET and Shifting Strategies When it came to launching XSET, Greg Selkoe and team faced fresh challenges: securing investment, building a fanbase, and educating skeptical investors about the true scale of gaming and streaming culture. Greg Selkoe recognized a major opportunity—gaming needed a lifestyle brand that felt as dynamic as Overtime, Complex, or Barstool. The vision from day one: XSET would be a lifestyle media company at the crossroads of gaming, music, fashion, entertainment, and traditional sports. However, this path wasn't linear. Initially, XSET tried to replicate Karma Loop's retail-first model, but the lack of an established fanbase made traction difficult. After two years, they made a pivotal shift—refocusing on media, content, and creator empowerment. This willingness to pivot, rather than stubbornly sticking to a plan, is a recurring lesson for entrepreneurs highlighted in the episode. Collaboration, Community, and Advice for Creators Both host and guest agree: entrepreneurship is not a solo sport. Greg Selkoe stresses the importance of asking for help, seeking mentorship, and learning from those who have traveled similar paths: “If you don't know something... that's power to say you don't know it.” He shares stories of leaning on collaborators and mentors—even in public adversity—while cautioning against burning bridges or stepping on others to succeed. Public Challenges, Private Pain, and the Power of Community The episode delves into the emotional toll of public failure. Greg Selkoe recounts the fallout from Karma Loop's bankruptcy, facing media scrutiny and industry criticism. Yet, a pivotal moment at a high-powered Silicon Valley barbecue hosted by Steve Stout and Ben Horowitz transformed his outlook. Instead of derision, he found encouragement and solidarity from fellow entrepreneurs—reminding him that to build is to stumble, but also to rise again. This network of support propelled him towards new ventures, from consulting gigs with Pharrell and streetwear legend Jeff Staple to co-founding XSET. He credits his collaborative, generous approach for attracting support in hard times, when more ruthless operators might find themselves isolated. Mental Health, Health Scares, and Resilience No journey is without personal cost. Greg Selkoe opens up about dealing with serious health issues—a genetic autoimmune condition affecting his heart, kidneys, and lungs—during a stressful business period. While stress didn't cause the problem, it certainly didn't help, underscoring the importance of self-care and resilience. Ultimately, he recovered and continued building, demonstrating that recovery—like business—requires persistence. Championing Female Gamers: The Queen's Gaming Collective A highlight of the discussion is XSET's acquisition of Queens Gaming Collective—a female-empowerment initiative in the gaming space. Greg Selkoe breaks down the significance: with 45% of gamers being female, the mainstream still overlooks their influence. By integrating Queens into XSET, they've built a more inclusive brand, landed major deals (like with Samsung), and shown that gaming culture is far broader than stereotypes suggest. The conversation paints a vision of gaming culture that's welcoming, intergenerational, and intersectional. What Does the Next Gen Media Company Look Like? As XSET grows, the company is evolving into a “next gen media studio.” Greg Selkoe explains that they now co-own YouTube deals with creators, market talent, and focus heavily on original content—streaming, recorded, and branded collaborations. Their difference? They don't operate as an agency, but as true partners—bringing creators and brands into culture-focused campaigns that move audiences and foster community. He notes that platforms like YouTube are the new TV, dominating content consumption and discovery. The Power of Unfiltered, Authentic Creation Wize El Jefe and Greg Selkoe agree: today's audiences crave authenticity. The democratization of media—through podcasting, YouTube, Twitch—enables creators to bypass gatekeepers and build direct relationships. Both reflect on their own pivots: adding video to podcasting, discovering new opportunities, and reaching audiences in meaningful ways. In a media landscape full of “agendas,” the episode champions authenticity, encouragement, and diversity. Actionable Advice for Creators and Entrepreneurs The episode closes with practical wisdom. For young creatives or those feeling stuck: Media and social media are essential for telling your story and promoting your product. Find a reason for your brand to exist—don't just copy what's out there. Expect the journey to be long and hard, not an overnight success. Seek mentorship from experienced people in your field. Write down your goals, risks, and rewards—plan, but be ready to adapt. Don't be afraid to seek help, admit what you don't know, or pivot. As Greg Selkoe puts it, most businesses fail—but resilience, authenticity, and collaboration are the keys to enduring and thriving. — In Summary This episode of Stuck In My Mind Podcast is far more than an entrepreneurial profile—it's a deep exploration of culture, community, failure, growth, and the evolving media landscape. Listeners will come away with a sense of what it truly takes to build something meaningful in today's world: honesty, resilience, a willingness to adapt, and a commitment to authentic culture. Whether you're launching a brand, leveling up your content, or simply seeking inspiration, this conversation delivers actionable insights, relatable stories, and a call to stay connected, creative, and true to yourself. Make sure to follow XSET on all major platforms, connect with Greg Selkoe, and keep tuning in to Wize El Jefe for conversations that are shaping the next generation of culture.

Interview recorded - 19th of January, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming back Lyn Alden. Lyn is one of the foremost macro strategists, Founder of Lyn Alden Investment Strategy & author of the book “Broken Money: Why Our Financial System is Failing Us and How We Can Make it Better”.During our conversation we spoke about her overview for 2025, the growing deficit, what this means for inflation, immigration impact, demographics, the end of institutions, currency collapse and more. I hope you enjoy!0:00 - Introduction0:55 - Overview of 20252:43 - End of bull market?5:35 - FED challenge8:16 - Next FED chair11:38 - Running it hot14:43 - Grow out of deficit17:21 - Higher inflation21:23 - Negative on the future?23:13 - Immigration impact27:36 - Demographics29:53 - Trump & Greenland33:53 - Complex issues37:11 - Milei & other institution breakers39:58 - Losers41:40 - One message to takeawayLyn runs an investment research service for both retail and institutional investors at LynAlden.com. Her focus is on fundamental investing with a global macro overlay, with an emphasis on equities, currencies, commodities, and digital assets. Lyn has also worked for over a decade in the aviation industry in a range of roles, starting as an electronics engineer and moving into project and facility management, and engineering finance. Eventually she became the head engineer and head of technical procurement for the facility, before retiring in her 30s. Lyn has a bachelor's in electronics engineering and a master's in engineering management, with a focus on engineering economics and financial modelling. Lyn Alden - Website - https://www.lynalden.com/LinkedIn - https://www.linkedin.com/in/lynalden/Twitter - https://twitter.com/lynaldencontact?lang=enWTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

We orient ourselves to the new year through recovery readings.Our website is HERE:  System Speak Podcast.You can submit an email to the podcast HERE.Content Note: Content on this website and in the podcasts is assumed to be trauma and/or dissociative related due to the nature of what is being shared here in general.  Content descriptors are generally given in each episode.  Specific trigger warnings are not given due to research reporting this makes triggers worse.  Please use appropriate self-care and your own safety plan while exploring this website and during your listening experience.  Natural pauses due to dissociation have not been edited out of the podcast, and have been left for authenticity.  While some professional material may be referenced for educational purposes, Emma and her system are not your therapist nor offering professional advice.  Any informational material shared or referenced is simply part of our own learning process, and not guaranteed to be the latest research or best method for you.  Please contact your therapist or nearest emergency room in case of any emergency.  This website does not provide any medical, mental health, or social support services. ★ Support this podcast on Patreon ★

What if the most important part of product management has nothing to do with roadmaps, features, or technology? In this podcast hosted by Rachel Owens, Meta Product Leader Rick Sanchez speaks on why clarity is the most critical responsibility of a product manager. Drawing from a career spanning media, gaming, consulting, and AI-driven products, the conversation explores how great product leaders create alignment, unlock creative execution, and navigate complex problem spaces without relying on rigid frameworks.

Life and sport don't happen in straight lines.Day 19 introduces a multidirectional movement complex — integrating strength, mobility, stability, and coordination across multiple planes of motion.By this point in the program, you've built access, control, and connection. This session challenges you to apply those qualities while moving forward, backward, laterally, and rotationally — often within the same sequence.You'll work through patterns that develop:Control during changes of directionStability while accelerating and deceleratingCoordination across frontal, sagittal, and transverse planesSmooth transitions between movement patternsMultidirectional work exposes weak links quickly. Loss of balance, rushed transitions, or breakdowns in posture highlight exactly where more attention is needed. That feedback is the point — not to chase fatigue, but to refine movement under complexity.This session reinforces adaptability. The ability to organise the body quickly, absorb force safely, and redirect momentum efficiently is central to both athletic performance and everyday resilience.Move with intent.Change direction with control.Stay organised under motion.Day 19 brings movement closer to real-world demands.Shaun Kober is a Mindset & Performance Specialist, with a unique skillset forged in the trenches, through the various stages of life."I shouldn't be in the position I am right now." The odds were stacked against me: ● Poor family on welfare, eldest of 6 kids, parents didn't work, abusive step-dad, no electricity or running water for a 6 years period of my life ● Caught up with the wrong crowd, stealing, drugs, skipping school ● At 14 years old, I sat on a bus for 3 days with $50 in my pocket, to travel to the next State over West, to begin a new life in the workforce - 200014 - 20: I grew up and learned how to become a man through work and rugby20 - 26: I lived, trained and fought as a professional soldier, at a high level26 - 32: I became a personal trainer, after failing in my pursuit to become a firefighter32 - 38: I worked with, and won world titles with some of the best athletes on the planet, as their strength and conditioning coach38+: The next evolution begins #coachedbykobes#livetrainperform#mindsetandperformance Live Life To The Fullest.Train To Your Potential.Perform At Your Best!https://www.coachedbykobes.com/

IWhat is our children's future? What skills should they be developing? How should schools be adapting? What will the fully functioning citizens and workers of the future look like? A look into the landscape of the next 15 years, the future of work with human and AI interactions, the transformation of education, the safety and privacy landscapes, and a parental playbook. Navigation: Intro The Landscape: 2026–2040 The Future of Work: Human + AI The Transformation of Education The Ethics, Safety, and Privacy Landscape The Parental Playbook: Actionable Strategies Conclusion Our co-hosts: Bertrand Schmitt, Entrepreneur in Residence at Red River West, co-founder of App Annie / Data.ai, business angel, advisor to startups and VC funds, @bschmitt Nuno Goncalves Pedro, Investor, Managing Partner, Founder at Chamaeleon, @ngpedro Our show: Tech DECIPHERED brings you the Entrepreneur and Investor views on Big Tech, VC and Start-up news, opinion pieces and research. We decipher their meaning, and add inside knowledge and context. Being nerds, we also discuss the latest gadgets and pop culture news Subscribe To Our Podcast Bertrand SchmittIntroduction Welcome to Episode 72 of Tech Deciphered, about our children’s future. What is our children’s future? What skills should they be developing? How should school be adapting to AI? What would be the functioning citizens and workers of the future look like, especially in the context of the AI revolution? Nuno, what’s your take? Maybe we start with the landscape. Nuno Goncalves PedroThe Landscape: 2026–2040 Let’s first frame it. What do people think is going to happen? Firstly, that there’s going to be a dramatic increase in productivity, and because of that dramatic increase in productivity, there are a lot of numbers that show that there’s going to be… AI will enable some labour productivity growth of 0.1 to 0.6% through 2040, which would be a figure that would be potentially rising even more depending on use of other technologies beyond generative AI, as much as 0.5 to 3.4% points annually, which would be ridiculous in terms of productivity enhancement. To be clear, we haven’t seen it yet. But if there are those dramatic increases in productivity expected by the market, then there will be job displacement. There will be people losing their jobs. There will be people that will need to be reskilled, and there will be a big shift that is similar to what happens when there’s a significant industrial revolution, like the Industrial Revolution of the late 19th century into the 20th century. Other numbers quoted would say that 30% of US jobs could be automated by 2030, which is a silly number, 30%, and that another 60% would see tremendously being altered. A lot of their tasks would be altered for those jobs. There’s also views that this is obviously fundamentally a global phenomenon, that as much as 9% of jobs could be lost to AI by 2030. I think question mark if this is a net number or a gross number, so it might be 9% our loss, but then maybe there’re other jobs that will emerge. It’s very clear that the landscape we have ahead of us is if there are any significant increases in productivity, there will be job displacement. There will be job shifting. There will be the need for reskilling. Therefore, I think on the downside, you would say there’s going to be job losses. We’ll have to reevaluate whether people should still work in general 5 days a week or not. Will we actually work in 10, 20, 30 years? I think that’s the doomsday scenario and what happens on that side of the fence. I think on the positive side, there’s also a discussion around there’ll be new jobs that emerge. There’ll be new jobs that maybe we don’t understand today, new job descriptions that actually don’t even exist yet that will emerge out this brave new world of AI. Bertrand SchmittYeah. I mean, let’s not forget how we get to a growing economy. I mean, there’s a measurement of a growing economy is GDP growth. Typically, you can simplify in two elements. One is the growth of the labour force, two, the rise of the productivity of that labour force, and that’s about it. Either you grow the economy by increasing the number of people, which in most of the Western world is not really happening, or you increase productivity. I think that we should not forget that growth of productivity is a backbone of growth for our economies, and that has been what has enabled the rise in prosperity across countries. I always take that as a win, personally. That growth in productivity has happened over the past decades through all the technological revolutions, from more efficient factories to oil and gas to computers, to network computers, to internet, to mobile and all the improvement in science, usually on the back of technological improvement. Personally, I welcome any rise in improvement we can get in productivity because there is at this stage simply no other choice for a growing world in terms of growing prosperity. In terms of change, we can already have a look at the past. There are so many jobs today you could not imagine they would exist 30 years ago. Take the rise of the influencer, for instance, who could have imagined that 30 years ago. Take the rise of the small mom-and-pop e-commerce owner, who could have imagined that. Of course, all the rise of IT as a profession. I mean, how few of us were there 30 years ago compared to today. I mean, this is what it was 30 years ago. I think there is a lot of change that already happened. I think as a society, we need to welcome that. If we go back even longer, 100 years ago, 150 years ago, let’s not forget, if I take a city like Paris, we used to have tens of thousands of people transporting water manually. Before we have running water in every home, we used to have boats going to the North Pole or to the northern region to bring back ice and basically pushing ice all the way to the Western world because we didn’t have fridges at the time. I think that when we look back in time about all the jobs that got displaced, I would say, Thank you. Thank you because these were not such easy jobs. Change is coming, but change is part of the human equation, at least. Industrial revolution, the past 250 years, it’s thanks to that that we have some improvement in living conditions everywhere. AI is changing stuff, but change is a constant, and we need to adapt and adjust. At least on my side, I’m glad that AI will be able to displace some jobs that were not so interesting to do in the first place in many situations. Maybe not dangerous like in the past because we are talking about replacing white job collars, but at least repetitive jobs are definitely going to be on the chopping block. Nuno Goncalves PedroWhat happens in terms of shift? We were talking about some numbers earlier. The World Economic Forum also has some numbers that predicts that there is a gross job creation rate of 14% from 2025 to 2030 and a displacement rate of 8%, so I guess they’re being optimistic, so a net growth in employment. I think that optimism relates to this thesis that, for example, efficiency, in particular in production and industrial environments, et cetera, might reduce labour there while increasing the demand for labour elsewhere because there is a natural lower cost base. If there’s more automation in production, therefore there’s more disposable income for people to do other things and to focus more on their side activities. Maybe, as I said before, not work 5 days a week, but maybe work four or three or whatever it is. What are the jobs of the future? What are the jobs that we see increasing in the future? Obviously, there’re a lot of jobs that relate to the technology side, that relate obviously to AI, that’s a little bit self-serving, and everything that relates to information technology, computer science, computer technology, computer engineering, et cetera. More broadly in electrical engineering, mechanical engineering, that might actually be more needed. Because there is a broadening of all of these elements of contact with digital, with AI over time also with robots and robotics, that those jobs will increase. There’s a thesis that actually other jobs that are a little bit more related to agriculture, education, et cetera, might not see a dramatic impact, that will still need for, I guess, teachers and the need for people working in farms, et cetera. I think this assumes that probably the AI revolution will come much before the fundamental evolution that will come from robotics afterwards. Then there’s obviously this discussion around declining roles. Anything that’s fundamentally routine, like data entry, clinical roles, paralegals, for example, routine manufacturing, anything that’s very repetitive in nature will be taken away. I have the personal thesis that there are jobs that are actually very blue-collar jobs, like HVAC installation, maintenance, et cetera, plumbing, that will be still done by humans for a very long time because there are actually, they appear to be repetitive, but they’re actually complex, and they require manual labour that cannot be easily, I think, right now done by robots and replacements of humans. Actually, I think there’re blue-collar roles that will be on the increase rather than on decrease that will demand a premium, because obviously, they are apprenticeship roles, certification roles, and that will demand a premium. Maybe we’re at the two ends. There’s an end that is very technologically driven of jobs that will need to necessarily increase, and there’s at the other end, jobs that are very menial but necessarily need to be done by humans, and therefore will also command a premium on the other end. Bertrand SchmittI think what you say make a lot of sense. If you think about AI as a stack, my guess is that for the foreseeable future, on the whole stack, and when I say stack, I mean from basic energy production because we need a lot of energy for AI, maybe to going up to all the computing infrastructure, to AI models, to AI training, to robotics. All this stack, we see an increase in expertise in workers and everything. Even if a lot of this work will benefit from AI improvement, the boom is so large that it will bring a lot of demand for anyone working on any part of the stack. Some of it is definitely blue-collar. When you have to build a data centre or energy power station, this requires a lot of blue-collar work. I would say, personally, I’m absolutely not a believer of the 3 or 4 days a week work week. I don’t believe a single second in that socialist paradise. If you want to call it that way. I think that’s not going to change. I would say today we can already see that breaking. I mean, if you take Europe, most European countries have a big issue with pension. The question is more to increase how long you are going to work because financially speaking, the equation is not there. Personally, I don’t think AI would change any of that. I agree with you in terms of some jobs from electricians to gas piping and stuff. There will still be demand and robots are not going to help soon on this job. There will be a big divergence between and all those that can be automated, done by AI and robots and becoming cheaper and cheaper and stuff that requires a lot of human work, manual work. I don’t know if it will become more expensive, but definitely, proportionally, in comparison, we look so expensive that you will have second thoughts about doing that investment to add this, to add that. I can see that when you have your own home, so many costs, some cost our product. You buy this new product, you add it to your home. It can be a water heater or something, built in a factory, relatively cheap. You see the installation cost, the maintenance cost. It’s many times the cost of the product itself. Nuno Goncalves PedroMaybe it’s a good time to put a caveat into our conversation. I mean, there’s a… Roy Amara was a futurist who came up with the Amara’s Law. We tend to overestimate the effect of a technology in the short run and overestimate the effect in the long run. I prefer my own law, which is, we tend to overestimate the speed at which we get to a technological revolution and underestimate its impact. I think it’s a little bit like that. I think everyone now is like, “Oh, my God, we’re going to be having the AI overlords taking over us, and AGI is going to happen pretty quickly,” and all of that. I mean, AGI will probably happen at some point. We’re not really sure when. I don’t think anyone can tell you. I mean, there’re obviously a lot of ranges going on. Back to your point, for example, on the shift of the work week and how we work. I mean, just to be very clear, we didn’t use to have 5 days a week and 2 days a weekend. If we go back to religions, there was definitely Sabbath back in the day, and there was one day off, the day of the Lord and the day of God. Then we went to 2 days of weekend. I remember going to Korea back in 2005, and I think Korea shifted officially to 5 days a week, working week and 2 days weekend for some of the larger business, et cetera, in 2004. Actually, it took another whatever years for it to be pervasive in society. This is South Korea, so this is a developed market. We might be at some point moving to 4 days a week. Maybe France was ahead of the game. I know Bertrand doesn’t like this, the 35-hour week. Maybe we will have another shift in what defines the working week versus not. What defines what people need to do in terms of efficiency and how they work and all of that. I think it’s probably just going to take longer than we think. I think there’re some countries already doing it. I was reading maybe Finland was already thinking about moving to 4 days a week. There’re a couple of countries already working on it. Certainly, there’re companies already doing it as well. Bertrand SchmittYeah, I don’t know. I’m just looking at the financial equation of most countries. The disaster is so big in Western Europe, in the US. So much debt is out that needs to get paid that I don’t think any country today, unless there is a complete reversal of the finance, will be able to make a big change. You could argue maybe if we are in such a situation, it might be because we went too far in benefits, in vacation, in work days versus weekends. I’m not saying we should roll back, but I feel that at this stage, the proof is in the pudding. The finance of most developed countries are broken, so I don’t see a change coming up. Potentially, the other way around, people leaving to work more, unfortunately. We will see. My point is that AI will have to be so transformational for the productivity for countries, and countries will have to go back to finding their ways in terms of financial discipline to reach a level where we can truly profit from that. I think from my perspective, we have time to think about it in 10, 20 years. Right now, it’s BS at this stage of this discussion. Nuno Goncalves PedroYeah, there’s a dependency, Bertrand, which is there needs to be dramatic increases in productivity that need to happen that create an expansion of economy. Once that expansion is captured by, let’s say, government or let’s say by the state, it needs to be willingly fed back into society, which is not a given. There’re some governments who are going to be like, “No, you need to work for a living.” Tough luck. There’re no handouts, there’s nothing. There’s going to be other governments that will be pressured as well. I mean, even in a more socialist Europe, so to speak. There’re now a lot of pressures from very far-right, even extreme positions on what people need to do for a living and how much should the state actually intervene in terms of minimum salaries, et cetera, and social security. To your point, the economies are not doing well in and of themselves. Anyway, there would need to be tremendous expansion of economy and willingness by the state to give back to its citizens, which is also not a given. Bertrand SchmittAnd good financial discipline as well. Before we reach all these three. Reaping the benefits in a tremendous way, way above trend line, good financial discipline, and then some willingness to send back. I mean, we can talk about a dream. I think that some of this discussion was, in some ways, to have a discussion so early about this. It’s like, let’s start to talk about the benefits of the aeroplane industries in 1915 or 1910, a few years after the Wright brothers flight, and let’s make a decision based on what the world will be in 30 years from now when we reap this benefit. This is just not reasonable. This is not reasonable thinking. I remember seeing companies from OpenAI and others trying to push this narrative. It was just political agenda. It was nothing else. It was, “Let’s try to make look like AI so nice and great in the future, so you don’t complain on the short term about what’s happening.” I don’t think this is a good discussion to have for now. Let’s be realistic. Nuno Goncalves PedroJust for the sake of sharing it with our listeners, apparently there’re a couple of countries that have moved towards something a bit lower than 5 days a week. Belgium, I think, has legislated the ability for you to compress your work week into 4 days, where you could do 10 hours for 4 days, so 40 hours. UAE has some policy for government workers, 4.5 days. Iceland has some stuff around 35 to 36 hours, which is France has had that 35 hour thing. Lithuania for parents. Then just trials, it’s all over the shop. United Kingdom, my own Portugal, of course, Germany, Brazil, and South Africa, and a bunch of other countries, so interesting. There’s stuff going on. Bertrand SchmittFor sure. I mean, France managed to bankrupt itself playing the 75 hours work week since what, 2000 or something. I mean, yeah, it’s a choice of financial suicide, I would say. Nuno Goncalves PedroWonderful. The Future of Work: Human + AI Maybe moving a little bit towards the future of work and the coexistence of work of human and AI, I think the thesis that exists a little bit in the market is that the more positive thesis that leads to net employment growth and net employment creation, as we were saying, there’s shifting of professions, they’re rescaling, and there’s the new professions that will emerge, is the notion that human will need to continue working alongside with machine. I’m talking about robots, I’m also talking about software. Basically software can’t just always run on its own, and therefore, software serves as a layer of augmentation, that humans become augmented by AI, and therefore, they can be a lot more productive, and we can be a lot more productive. All of that would actually lead to a world where the efficiencies and the economic creation are incredible. We’ll have an unparalleled industrial evolution in our hands through AI. That’s one way of looking at it. We certainly at Chameleon, that’s how we think through AI and the AI layers that we’re creating with Mantis, which is our in-house platform at Chameleon, is that it’s augmenting us. Obviously, the human is still running the show at the end, making the toughest decisions, the more significant impact with entrepreneurs that we back, et cetera. AI augments us, but we run the show. Bertrand SchmittI totally agree with that perspective that first AI will bring a new approach, a human plus AI. Here in that situation, you really have two situations. Are you a knowledgeable user? Do you know your field well? Are you an expert? Are you an IT expert? Are you a medical doctor? Do you find your best way to optimise your work with AI? Are you knowledgeable enough to understand and challenge AI when you see weird output? You have to be knowledgeable in your field, but also knowledgeable in how to handle AI, because even experts might say, “Whatever AI says.” My guess is that will be the users that will benefit most from AI. Novice, I think, are in a bit tougher situation because if you use AI without truly understanding it, it’s like laying foundations on sand. Your stuff might crumble down the way, and you will have no clue what’s happening. Hopefully, you don’t put anyone in physical danger, but that’s more worrisome to me. I think some people will talk about the rise of vibe coding, for instance. I’ve seen AI so useful to improve coding in so many ways, but personally, I don’t think vibe coding is helpful. I mean, beyond doing a quick prototype or some stuff, but to put some serious foundation, I think it’s near useless if you have a pure vibe coding approach, obviously to each their own. I think the other piece of the puzzle, it’s not just to look at human plus AI. I think definitely there will be the other side as well, which is pure AI. Pure AI replacement. I think we start to see that with autonomous cars. We are close to be there. Here we’ll be in situation of maybe there is some remote control by some humans, maybe there is local control. We are talking about a huge scale replacement of some human activities. I think in some situation, let’s talk about work farms, for instance. That’s quite a special term, but basically is to describe work that is very repetitive in nature, requires a lot of humans. Today, if you do a loan approval, if you do an insurance claim analysis, you have hundreds, thousands, millions of people who are doing this job in Europe, in the US, or remotely outsourced to other countries like India. I think some of these jobs are fully at risk to be replaced. Would it be 100% replacement? Probably not. But a 9:1, 10:1 replacement? I think it’s definitely possible because these jobs have been designed, by the way, to be repetitive, to follow some very clear set of rules, to improve the rules, to remove any doubt if you are not sure. I think some of these jobs will be transformed significantly. I think we see two sides. People will become more efficient controlling an AI, being able to do the job of two people at once. On the other side, we see people who have much less control about their life, basically, and whose job will simply disappear. Nuno Goncalves PedroTwo points I would like to make. The first point is we’re talking about a state of AI that we got here, and we mentioned this in previous episodes of Tech Deciphered, through brute force, dramatically increased data availability, a lot of compute, lower network latencies, and all of that that has led us to where we are today. But it’s brute force. The key thing here is brute force. Therefore, when AI acts really well, it acts well through brute force, through seeing a bunch of things that have happened before. For example, in the case of coding, it might still outperform many humans in coding in many different scenarios, but it might miss hedge cases. It might actually not be as perfect and as great as one of these developers that has been doing it for decades who has this intuition and is a 10X developer. In some ways, I think what got us here is not maybe what’s going to get us to the next level of productivity as well, which is the unsupervised learning piece, the actually no learning piece, where you go into the world and figure stuff out. That world is emerging now, but it’s still not there in terms of AI algorithms and what’s happening. Again, a lot of what we’re seeing today is the outcome of the brute force movement that we’ve had over the last decade, decade and a half. The second point I’d like to make is to your point, Bertrand, you were going really well through, okay, if you’re a super experienced subject-matter expert, the way you can use AI is like, wow! Right? I mean, you are much more efficient, right? I was asked to do a presentation recently. When I do things in public, I don’t like to do it. If it’s a keynote, because I like to use my package stuff, there’s like six, seven presentations that I have prepackaged, and I can adapt around that. But if it’s a totally new thing, I don’t like to do it as a keynote because it requires a lot of preparation. Therefore, I’m like, I prefer to do a fire set chat or a panel or whatever. I got asked to do something, a little bit what is taking us to this topic today around what’s happening to our children and all of that is like, “God! I need to develop this from scratch.” The honest truth is if you have domain expertise around many areas, you can do it very quickly with the aid of different tools in AI. Anything from Gemini, even with Nana Banana, to ChatGPT and other tools that are out there for you and framing, how would you do that? But the problem then exists with people that are just at the beginning of their careers, people that have very little expertise and experience, and people that are maybe coming out of college where their knowledge is mostly theoretical. What happens to those people? Even in computer engineering, even in computer science, even in software development, how do those people get to the next level? I think that’s one of the interesting conversations to be had. What happens to the recent graduate or the recent undergrad? How do those people get the expertise they need to go to the next level? Can they just be replaced by AI agents today? What’s their role in terms of the workforce, and how do they fit into that workforce? Bertrand SchmittNo, I mean, that’s definitely the biggest question. I think that a lot of positions, if you are really knowledgeable, good at your job, if you are that 10X developer, I don’t think your job is at risk. Overall, you always have some exceptions, some companies going through tough times, but I don’t think it’s an issue. On the other end, that’s for sure, the recent new graduates will face some more trouble to learn on their own, start their career, and go to that 10X productivity level. But at the same time, let’s also not kid ourselves. If we take software development, this is a profession that increase in number of graduates tremendously over the past 30 years. I don’t think everyone basically has the talent to really make it. Now that you have AI, for sure, the bar to justify why you should be there, why you should join this company is getting higher and higher. Being just okay won’t be enough to get you a career in IT. You will need to show that you are great or potential to be great. That might make things tough for some jobs. At the same time, I certainly believe there will be new opportunities that were not there before. People will have to definitely adjust to that new reality, learn and understand what’s going on, what are the options, and also try to be very early on, very confident at using AI as much as they can because for sure, companies are going to only hire workers that have shown their capacity to work well with AI. Nuno Goncalves PedroMy belief is that it generates new opportunities for recent undergrads, et cetera, of building their own microbusinesses or nano businesses. To your point, maybe getting jobs because they’ll be forced to move faster within their jobs and do less menial and repetitive activities and be more focused on actual dramatic intellectual activities immediately from the get go, which is not a bad thing. Their acceleration into knowledge will be even faster. I don’t know. It feels to me maybe there’s a positivity to it. Obviously, if you’ve stayed in a big school, et cetera, that there will be some positivity coming out of that. The Transformation of Education Maybe this is a good segue to education. How does education change to adapt to a new world where AI is a given? It’s not like I can check if you’re faking it on your homework or if you’re doing a remote examination or whatever, if you’re using or not tools, it’s like you’re going to use these tools. What happens in that case, and how does education need to shift in this brave new world of AI augmentation and AI enhancements to students? Bertrand SchmittYes, I agree with you. There will be new opportunities. I think people need to be adaptable. What used to be an absolute perfect career choice might not be anymore. You need to learn what changes are happening in the industry, and you need to adjust to that, especially if you’re a new graduate. Nuno Goncalves PedroMaybe we’ll talk a little bit about education, Bertrand, and how education would fundamentally shift. I think one of the things that’s been really discussed is what are the core skills that need to be developed? What are the core skills that will be important in the future? I think critical thinking is probably most important than ever. The ability to actually assimilate information and discern which information is correct or incorrect and which information can lead you to a conclusion or not, for example, I think is more important than ever. The ability to assimilate a bunch of pieces of information, make a decision or have an insight or foresight out of that information is very, very critical. The ability to be analytical around how you look at information and to really distinguish what’s fact from what’s opinion, I think is probably quite important. Maybe moving away more and more from memorisation from just cramming information into your brain like we used to do it in college, you have to know every single algorithm for whatever. It’s like, “Who gives a shit? I can just go and search it.” There’s these shifts that are not simple because I think education, in particular in the last century, has maybe been too focused on knowing more and more knowledge, on learning this knowledge. Now it’s more about learning how to process the knowledge rather than learning how to apprehend it. Because the apprehension doesn’t matter as much because you can have this information at any point in time. The information is available to you at the touch of a finger or voice or whatever. But the ability to then use the information to do something with it is not. That’s maybe where you start distinguishing the different level degrees of education and how things are taught. Bertrand SchmittHonestly, what you just say or describe could apply of the changes we went through the past 30 years. Just using internet search has for sure tremendously changed how you can do any knowledge worker job. Suddenly you have the internet at your fingertips. You can search about any topics. You have direct access to a Wikipedia or something equivalent in any field. I think some of this, we already went through it, and I hope we learned the consequence of these changes. I would say what is new is the way AI itself is working, because when you use AI, you realise that it can utter to you complete bullshit in a very self-assured way of explaining something. It’s a bit more scary than it used to be, because in the past, that algorithm trying to present you the most relevant stuff based on some algorithm was not trying to present you the truth. It’s a list of links. Maybe it was more the number one link versus number 100. But ultimately, it’s for you to make your own opinion. Now you have some chatbot that’s going to tell you that for sure this is the way you should do it. Then you check more, and you realise, no, it’s totally wrong. It’s definitely a slight change in how you have to apprehend this brave new world. Also, this AI tool, the big change, especially with generative AI, is the ability for them to give you the impression they can do the job at hand by themselves when usually they cannot. Nuno Goncalves PedroIndeed. There’s definitely a lot of things happening right now that need to fundamentally shift. Honestly, I think in the education system the problem is the education system is barely adapted to the digital world. Even today, if you studied at a top school like Stanford, et cetera, there’s stuff you can do online, there’s more and more tools online. But the teaching process has been very centred on syllabus, the teachers, later on the professors, and everything that’s around it. In class presence, there’s been minor adaptations. People sometimes allow to use their laptops in the classroom, et cetera, or their mobile phones. But it’s been done the other way around. It’s like the tools came later, and they got fed into the process. Now I think there needs to be readjustments. If we did this ground up from a digital first or a mobile first perspective and an AI first perspective, how would we do it? That changes how teachers and professors should interact with the classrooms, with the role of the classroom, the role of the class itself, the role of homework. A lot of people have been debating that. What do you want out of homework? It’s just that people cram information and whatever, or do you want people to show critical thinking in a specific different manner, or some people even go one step further. It’s like, there should be no homework. People should just show up in class and homework should move to the class in some ways. Then what happens outside of the class? What are people doing at home? Are they learning tools? Are they learning something else? Are they learning to be productive in responding to teachers? But obviously, AI augmented in doing so. I mean, still very unclear what this looks like. We’re still halfway through the revolution, as we said earlier. The revolution is still in motion. It’s not realised yet. Bertrand SchmittI would quite separate higher education, university and beyond, versus lower education, teenager, kids. Because I think the core up to the point you are a teenager or so, I think the school system should still be there to guide you, discovering and learning and being with your peers. I think what is new is that, again, at some point, AI could potentially do your job, do your homework. We faced similar situation in the past with the rise of Wikipedia, online encyclopedias and the stuff. But this is quite dramatically different. Then someone could write your essays, could answer your maths work. I can see some changes where you talk about homework, it’s going to be classwork instead. No work at home because no one can trust that you did it yourself anymore going forward, but you will have to do it in the classroom, maybe spend more time at school so that we can verify that you really did your job. I think there is real value to make sure that you can still think by yourself. The same way with the rise of calculators 40 years ago, I think it was the right thing to do to say, “You know what? You still need to learn the basics of doing calculations by hand.” Yes, I remember myself a kid thinking, “What the hell? I have a calculator. It’s working very well.” But it was still very useful because you can think in your head, you can solve complex problems in your head, you can check some output that it’s right or wrong if it’s coming from a calculator. There was a real value to still learn the basics. At the same point, it was also right to say, “You know what? Once you know the basics, yes, for sure, the calculator will take over because we’re at the point.” I think that was the right balance that was put in place with the rise of calculators. We need something similar with AI. You need to be able to write by yourself, to do stuff by yourself. At some point, you have to say, “Yeah, you know what? That long essays that we asked you to do for the sake of doing long essays? What’s the point?” At some point, yeah, that would be a true question. For higher education, I think personally, it’s totally ripe for full disruption. You talk about the traditional system trying to adapt. I think we start to be at the stage where “It should be the other way around.” It should be we should be restarted from the ground up because we simply have different tools, different ways. I think at this stage, many companies if you take, [inaudible 00:33:01] for instance, started to recruit people after high school. They say, “You know what? Don’t waste your time in universities. Don’t spend crazy shitload of money to pay for an education that’s more or less worthless.” Because it used to be a way to filter people. You go to good school, you have a stamp that say, “This guy is good enough, knows how to think.” But is it so true anymore? I mean, now that universities have increased the enrolment so many times over, and your university degree doesn’t prove much in terms of your intelligence or your capacity to work hard, quite frankly. If the universities are losing the value of their stamp and keep costing more and more and more, I think it’s a fair question to say, “Okay, maybe this is not needed anymore.” Maybe now companies can directly find the best talents out there, train them themselves, make sure that ultimately it’s a win-win situation. If kids don’t have to have big loans anymore, companies don’t have to pay them as much, and everyone is winning. I think we have reached a point of no return in terms of value of university degrees, quite frankly. Of course, there are some exceptions. Some universities have incredible programs, incredible degrees. But as a whole, I think we are reaching a point of no return. Too expensive, not enough value in the degree, not a filter anymore. Ultimately, I think there is a case to be made for companies to go back directly to the source and to high school. Nuno Goncalves PedroI’m still not ready to eliminate and just say higher education doesn’t have a role. I agree with the notion that it’s continuous education role that needs to be filled in a very different way. Going back to K-12, I think the learning of things is pretty vital that you learn, for example, how to write, that you learn cursive and all these things is important. I think the role of the teacher, and maybe actually even later on of the professors in higher education, is to teach people the critical information they need to know for the area they’re in. Basic math, advanced math, the big thinkers in philosophy, whatever is that you’re studying, and then actually teach the students how to use the tools that they need, in particular, K-12, so that they more rapidly apprehend knowledge, that they more rapidly can do exercises, that they more rapidly do things. I think we’ve had a static view on what you need to learn for a while. That’s, for example, in the US, where you have AP classes, like advanced placement classes, where you could be doing math and you could be doing AP math. You’re like, dude. In some ways, I think the role of the teacher and the interaction with the students needs to go beyond just the apprehension of knowledge. It also has to have apprehension of knowledge, but it needs to go to the apprehension of tools. Then the application of, as we discussed before, critical thinking, analytical thinking, creative thinking. We haven’t talked about creativity for all, but obviously the creativity that you need to have around certain problems and the induction of that into the process is critical. It’s particular in young kids and how they’re developing their learning skills and then actually accelerate learning. In that way, what I’m saying, I’m not sure I’m willing to say higher education is dead. I do think this mass production of higher education that we have, in particular in the US. That’s incredibly costly. A lot of people in Europe probably don’t see how costly higher education is because we’re educated in Europe, they paid some fee. A lot of the higher education in Europe is still, to a certain extent, subsidised or done by the state. There is high degree of subsidisation in it, so it’s not really as expensive as you’d see in the US. But someone spending 200-300K to go to a top school in the US to study for four years for an undergrad, that doesn’t make sense. For tuition alone, we’re talking about tuition alone. How does that work? Why is it so expensive? Even if I’m a Stanford or a Harvard or a University of Pennsylvania or whatever, whatever, Ivy League school, if I’m any of those, to command that premium, I don’t think makes much sense. To your point, maybe it is about thinking through higher education in a different way. Technical schools also make sense. Your ability to learn and learn and continue to education also makes sense. You can be certified. There are certifications all around that also makes sense. I do think there’s still a case for higher education, but it needs to be done in a different mould, and obviously the cost needs to be reassessed. Because it doesn’t make sense for you to be in debt that dramatically as you are today in the US. Bertrand SchmittI mean, for me, that’s where I’m starting when I’m saying it’s broken. You cannot justify this amount of money except in a very rare and stratified job opportunities. That means for a lot of people, the value of this equation will be negative. It’s like some new, indented class of people who owe a lot of money and have no way to get rid of this loan. Sorry. There are some ways, like join the government Task Force, work for the government, that at some point you will be forgiven your loans. Some people are going to just go after government jobs just for that reason, which is quite sad, frankly. I think we need a different approach. Education can be done, has to be done cheaper, should be done differently. Maybe it’s just regular on the job training, maybe it is on the side, long by night type of approach. I think there are different ways to think about. Also, it can be very practical. I don’t know you, but there are a lot of classes that are not really practical or not very tailored to the path you have chosen. Don’t get me wrong, there is always value to see all the stuff, to get a sense of the world around you. But this has a cost. If it was for free, different story. But nothing is free. I mean, your parents might think it’s free, but at the end of the day, it’s their taxes paying for all of this. The reality is that it’s not free. It’s costing a lot of money at the end of the day. I think we absolutely need to do a better job here. I think internet and now AI makes this a possibility. I don’t know you, but personally, I’ve learned so much through online classes, YouTube videos, and the like, that it never cease to amaze me how much you can learn, thanks to the internet, and keep up to date in so many ways on some topics. Quite frankly, there are some topics that there is not a single university that can teach you what’s going on because we’re talking about stuff that is so precise, so focused that no one is building a degree around that. There is no way. Nuno Goncalves PedroI think that makes sense. Maybe bring it back to core skills. We’ve talked about a couple of core skills, but maybe just to structure it a little bit for you, our listener. I think there’s a big belief that critical thinking will be more important than ever. We already talked a little bit about that. I think there’s a belief that analytical thinking, the ability to, again, distinguish fact from opinion, ability to distinguish elements from different data sources and make sure that you see what those elements actually are in a relatively analytical manner. Actually the ability to extract data in some ways. Active learning, proactive learning and learning strategies. I mean, the ability to proactively learn, proactively search, be curious and search for knowledge. Complex problem-solving, we also talked a little bit about it. That goes hand in hand normally with critical thinking and analysis. Creativity, we also talked about. I think originality, initiative, I think will be very important for a long time. I’m not saying AI at some point won’t be able to emulate genuine creativity. I wouldn’t go as far as saying that, but for the time being, it has tremendous difficulty doing so. Bertrand SchmittBut you can use AI in creative endeavours. Nuno Goncalves PedroOf course, no doubt. Bertrand SchmittYou can do stuff you will be unable to do, create music, create videos, create stuff that will be very difficult. I see that as an evolution of tools. It’s like now cameras are so cheap to create world-class quality videos, for instance. That if you’re a student, you want to learn cinema, you can do it truly on the cheap. But now that’s the next level. You don’t even need actors, you don’t even need the real camera. You can start to make movies. It’s amazing as a learning tool, as a creative tool. It’s for sure a new art form in a way that we have seen expanding on YouTube and other places, and the same for creating new images, new music. I think that AI can be actually a tool for expression and for creativity, even in its current form. Nuno Goncalves PedroAbsolutely. A couple of other skills that people would say maybe are soft skills, but I think are incredibly powerful and very distinctive from machines. Empathy, the ability to figure out how the other person’s feeling and why they’re feeling like that. Adaptability, openness, the flexibility, the ability to drop something and go a different route, to maybe be intellectually honest and recognise this is the wrong way and the wrong angle. Last but not the least, I think on the positive side, tech literacy. I mean, a lot of people are, oh, we don’t need to be tech literate. Actually, I think this is a moment in time where you need to be more tech literate than ever. It’s almost a given. It’s almost like table stakes, that you are at some tech literacy. What matters less? I think memorisation and just the cramming of information and using your brain as a library just for the sake of it, I think probably will matter less and less. If you are a subject or a class that’s just solely focused on cramming your information, I feel that’s probably the wrong way to go. I saw some analysis that the management of people is less and less important. I actually disagree with that. I think in the interim, because of what we were discussing earlier, that subject-matter experts at the top end can do a lot of stuff by themselves and therefore maybe need to less… They have less people working for them because they become a little bit more like superpowered individual contributors. But I feel that’s a blip rather than what’s going to happen over time. I think collaboration is going to be a key element of what needs to be done in the future. Still, I don’t see that changing, and therefore, management needs to be embedded in it. What other skills should disappear or what other skills are less important to be developed, I guess? Bertrand SchmittWorld learning, I’ve never, ever been a fan. I think that one for sure. But at the same time, I want to make sure that we still need to learn about history or geography. What we don’t want to learn is that stupid word learning. I still remember as a teenager having to learn the list of all the 100 French departments. I mean, who cared? I didn’t care about knowing the biggest cities of each French department. It was useless to me. But at the same time, geography in general, history in general, there is a lot to learn from the past from the current world. I think we need to find that right balance. The details, the long list might not be that necessary. At the same time, the long arc of history, our world where it is today, I think there is a lot of value. I think you talk about analysing data. I think this one is critical because the world is generating more and more data. We need to benefit from it. There is no way we can benefit from it if we don’t understand how data is produced, what data means. If we don’t understand the base of statistical analysis. I think some of this is definitely critical. But for stuff, we have to do less. It’s beyond world learning. I don’t know, honestly. I don’t think the core should change so much. But the tools we use to learn the core, yes, probably should definitely improve. Nuno Goncalves PedroOne final debate, maybe just to close, I think this chapter on education and skill building and all of that. There’s been a lot of discussion around specialisation versus generalisation, specialists versus generalists. I think for a very long time, the world has gone into a route that basically frames specialisation as a great thing. I think both of us have lived in Silicon Valley. I still do, but we both lived in Silicon Valley for a significant period of time. The centre of the universe in terms of specialisation, you get more and more specialised. I think we’re going into a world that becomes a little bit different. It becomes a little bit like what Amazon calls athletes, right? The T-Pi-shaped people get the most value, where you’re brought on top, you’re a very strong generalist on top, and you have a lot of great soft skills around management and empathy and all that stuff. Then you might have one or two subject matter expertise areas. Could be like business development and sales or corporate development and business development or product management and something else. I think those are the winners of the future. The young winners of the future are going to be more and more T-pi-shaped, if I had to make a guess. Specialisation matters, but maybe not as much as it matters today. It matters from the perspective that you still have to have spikes in certain areas of focus. But I’m not sure that you get more and more specialised in the area you’re in. I’m not sure that’s necessarily how humans create most value in their arena of deployment and development. Professionally, and therefore, I’m not sure education should be more and more specialised just for the sake of it. What do you think? Bertrand SchmittI think that that’s a great point. I would say I could see an argument for both. I think there is always some value in being truly an expert on a topic so that you can keep digging around, keep developing the field. You cannot develop a field without people focused on developing a field. I think that one is there to stay. At the same time, I can see how in many situations, combining knowledge of multiple fields can bring tremendous value. I think it’s very clear as well. I think it’s a balance. We still need some experts. At the same time, there is value to be quite horizontal in terms of knowledge. I think what is still very valuable is the ability to drill through whenever you need. I think that we say it’s actually much easier than before. That for me is a big difference. I can see how now you can drill through on topics that would have been very complex to go into. You will have to read a lot of books, watch a lot of videos, potentially do a new education before you grasp much about a topic. Well, now, thanks to AI, you can drill very quickly on topic of interest to you. I think that can be very valuable. Again, if you just do that blindly, that’s calling for trouble. But if you have some knowledge in the area, if you know how to deal with AI, at least today’s AI and its constraints, I think there is real value you can deliver thanks to an ability to drill through when you don’t. For me, personally, one thing I’ve seen is some people who are generalists have lost this ability. They have lost this ability to drill through on a topic, become expert on some topic very quickly. I think you need that. If you’re a VC, you need to analyse opportunity, you need to discover a new space very quickly. We say, I think some stuff can move much quicker than before. I’m always careful now when I see some pure generalists, because one thing I notice is that they don’t know how to do much anything any more. That’s a risk. We have example of very, very, very successful people. Take an Elon Musk, take a Steve Jobs. They have this ability to drill through to the very end of any topic, and that’s a real skill. Sometimes I see people, you should trust the people below. They know better on this and that, and you should not question experts and stuff. Hey, guys, how is it that they managed to build such successful companies? Is their ability to drill through and challenge hardcore experts. Yes, they will bring top people in the field, but they have an ability to learn quickly a new space and to drill through on some very technical topics and challenge people the right way. Challenge, don’t smart me. Not the, I don’t care, just do it in 10 days. No, going smartly, showing people those options, learning enough in the field to be dangerous. I think that’s a very, very important skill to have. Nuno Goncalves PedroMaybe switching to the dark side and talking a little bit about the bad stuff. I think a lot of people have these questions. There’s been a lot of debate around ChatGPT. I think there’s still a couple of court cases going on, a suicide case that I recently a bit privy to of a young man that killed himself, and OpenAI and ChatGPT as a tool currently really under the magnifying glass for, are people getting confused about AI and AI looks so similar to us, et cetera. The Ethics, Safety, and Privacy Landscape Maybe let’s talk about the ethics and safety and privacy landscape a little bit and what’s happening. Sadly, AI will also create the advent of a world that has still a lot of biases at scale. I mean, let’s not forget the AI is using data and data has biases. The models that are being trained on this data will have also biases that we’re seeing with AI, the ability to do things that are fake, deep fakes in video and pictures, et cetera. How do we, as a society, start dealing with that? How do we, as a society, start dealing with all the attacks that are going on? On the privacy side, the ability for these models and for these tools that we have today to actually have memory of the conversations we’ve had with them already and have context on what we said before and be able to act on that on us, and how is that information being farmed and that data being farmed? How is it being used? For what purposes is it being used? As I said, the dark side of our conversation today. I think we’ve been pretty positive until now. But in this world, I think things are going to get worse before they get better. Obviously, there’s a lot of money being thrown at rapid evolution of these tools. I don’t see moratoriums coming anytime soon or bans on tools coming anytime soon. The world will need to adapt very, very quickly. As we’ve talked in previous episodes, regulation takes a long time to adapt, except Europe, which obviously regulates maybe way too fast on technology and maybe not really on use cases and user flows. But how do we deal with this world that is clearly becoming more complex? Bertrand SchmittI mean, on the European topic, I believe Europe should focus on building versus trying to sensor and to control and to regulate. But going back to your point, I think there are some, I mean, very tough use case when you see about voice cloning, for instance. Grandparents believing that their kids are calling them, have been kidnapped when there is nothing to it, and they’re being extorted. AI generating deepfakes that enable sextortion, that stuff. I mean, it’s horrible stuff, obviously. I’m not for regulation here, to be frank. I think that we should for sure prosecute to the full extent of the law. The law has already a lot of tools to deal with this type of situation. But I can see some value to try to prevent that in some tools. If you are great at building tools to generate a fake voice, maybe you should make sure that you are not helping scammers. If you can generate easily images, you might want to make sure that you cannot easily generate tools that can be used for creating deep fakes and sex extortion. I think there are things that should be done by some providers to limit such terrible use cases. At the same time, the genie is out. There is also that part around, okay, the world will need to adapt. But yeah, you cannot trust everything that is done. What could have looked like horrible might not be true. You need to think twice about some of this, what you see, what you hear. We need to adjust how we live, how we work, but also how we prevent that. New tools, I believe, will appear. We will learn maybe to be less trustful on some stuff, but that is what it is. Nuno Goncalves PedroMaybe to follow up on that, I fully agree with everything you just said. We need to have these tools that will create boundary conditions around it as well. I think tech will need to fight tech in some ways, or we’ll need to find flaws in tech, but I think a lot of money needs to be put in it as well. I think my shout-out here, if people are listening to us, are entrepreneurs, et cetera, I think that’s an area that needs more and more investment, an area that needs more and more tooling platforms that are helpful to this. It’s interesting because that’s a little bit like how OpenAI was born. OpenAI was born to be a positive AI platform into the future. Then all of a sudden we’re like, “Can we have tools to control ChatGPT and all these things that are out there now?” How things have changed, I guess. But we definitely need to have, I think, a much more significant investment into these toolings and platforms than we do have today. Otherwise, I don’t see things evolving much better. There’s going to be more and more of this. There’s going to be more and more deep fakes, more and more, lack of contextualisation. There’s countries now that allow you to get married with not a human. It’s like you can get married to an algorithm or a robot or whatever. It’s like, what the hell? What’s happening now? It’s crazy. Hopefully, we’ll have more and more boundary conditions. Bertrand SchmittYeah, I think it will be a boom for cybersecurity. No question here. Tools to make sure that is there a better trust system or detecting the fake. It’s not going to be easy, but it has been the game in cybersecurity for a long time. You have some new Internet tools, some new Internet products. You need to find a difference against it and the constant war between the attackers and the defender. Nuno Goncalves PedroThe Parental Playbook: Actionable Strategies Maybe last but not the least in today’s episode, the parent playbook I’m a parent, what should I do I’ll actually let you start first. Bertrand, I’m parent-alike, but I am, sadly, not a parent, so I’ll let you start first, and then I’ll share some of my perspectives as well as a parent-like figure. Bertrand SchmittYeah, as a parent to an 8-year, I would say so far, no real difference than before. She will do some homework on an iPad. But beyond that, I cannot say I’ve seen at this stage so much difference. I think it will come up later when you have different type of homeworks when the kids start to be able to use computers on their own. What I’ve seen, however, is some interesting use cases. When my daughter is not sure about the spelling, she simply asks, Siri. “Hey, Siri, how do you spell this or this or that?” I didn’t teach her that. All of this came on her own. She’s using Siri for a few stuff for work, and I’m quite surprised in a very smart, useful way. It’s like, that’s great. She doesn’t need to ask me. She can ask by herself. She’s more autonomous. Why not? It’s a very efficient way for her to work and learn about the world. I probably feel sad when she asks Siri if she’s her friend. That does not feel right to me. But I would say so far, so good. I’ve seen only AI as a useful tool and with absolutely very limited risk. At the same time, for sure, we don’t let our kid close to any social media or the like. I think some of this stuff is for sure dangerous. I think as a parent, you have to be very careful before authorising any social media. I guess at some point you have no choice, but I think you have to be very careful, very gradual, and putting a lot of controls and safety mechanism I mean, you talk about kids committing suicide. It’s horrible. As a parent, I don’t think you can have a bigger worry than that. Suddenly your kids going crazy because someone bullied them online, because someone tried to extort them online. This person online could be someone in the same school or some scammer on the other side of the world. This is very scary. I think we need to have a lot of control on our kids’ digital life as well as being there for them on a lot of topics and keep drilling into them how a lot of this stuff online is not true, is fake, is not important, and being careful, yes, to raise them, to be critical of stuff, and to share as much as possible with our parents. I think We have to be very careful. But I would say some of the most dangerous stuff so far, I don’t think it’s really coming from AI. It’s a lot more social media in general, I would say, but definitely AI is adding another layer of risk. Nuno Goncalves PedroFrom my perspective, having helped raise three kids, having been a parent-like role today, what I would say is I would highlight against the skills that I was talking about before, and I would work on developing those skills. Skills that relate to curiosity, to analytical behaviours at the same time as being creative, allowing for both, allowing for the left brain, right brain, allowing for the discipline and structure that comes with analytical thinking to go hand in hand with doing things in a very, very different way and experimenting and failing and doing things and repeating them again. All the skills that I mentioned before, focusing on those skills. I was very fortunate to have a parental unit. My father and my mother were together all their lives: my father, sadly, passing away 5 years ago that were very, very different, my mother, more of a hacker in mindset. Someone was very curious, medical doctor, allowing me to experiment and to be curious about things around me and not simplifying interactions with me, saying it as it was with a language that was used for that particular purpose, allowing me to interact with her friends, who were obviously adults. And then on the other side, I have my father, someone who was more disciplined, someone who was more ethical, I think that becomes more important. The ability to be ethical, the ability to have moral standing. I’m Catholic. There is a religious and more overlay to how I do things. Having the ability to portray that and pass that to the next generation and sharing with them what’s acceptable and what’s not acceptable, I think is pretty critical and even more critical than it was before. The ability to be structured, to say and to do what you say, not just actually say a bunch of stuff and not do it. So, I think those things don’t go out of use, but I would really spend a lot more focus on the ability to do critical thinking, analytical thinking, having creative ideas, obviously, creating a little bit of a hacker mindset, how to cut corners to get to something is actually really more and more important. The second part is with all of this, the overlay of growth mindset. I feel having a more flexible mindset rather than a fixed mindset. What I mean by that is not praising your kids or your grandchildren for being very intelligent or very beautiful, which are fixed things, they’re static things, but praising them for the effort they put into something, for the learning that they put into something, for the process, raising the

Ever notice how a choice can look perfect on paper yet feel wrong in your gut? Or do you ever wake up with this thought, "What was I thinking?"  We unpack why that happens and how to fix it by pairing clear analysis with the kind of steady feeling that signals identity and values. Instead of chasing quick relief and regretting it later, we walk through a simple routine that turns impulse into alignment and helps your future self breathe easier.  You'll learn a 3-step inquiry to break the impulse loop. These steps work for everyday purchases and high-stakes moves like career shifts or creative pivots.  By the end, you'll have a toolkit to cut regret, increase follow-through, and design choices that feel right and make sense.  If this helped, share it with someone facing a tough decision, hit follow, and leave a quick review so more people can find it.  What's one choice you're ready to make with your WISE MIND today?  Text Me Your Thoughts and IdeasSupport the showBrought to you by Angela Shurina Behavior-First, Executive, Leadership and Optimal Performance Coach 360, Change Leadership & Culture Transformation Consultant

TODAY ON THE ROBERT SCOTT BELL SHOW: Jonathan Emord, Fed Independence Questioned, Trump Exits 66 Organizations, Fraud Industrial Complex, MAHA vs GOP on Pesticides, Doctor Gender Confusion, Whole Milk Returns, Vitamin K Shots Decline, NJ Vaccine Power Grab, Organ Meat Trend, Thallium Metallicum, and MORE! https://robertscottbell.com/jonathan-emord-federal-reserve-independence-questioned-trump-exits-66-organizations-fraud-industrial-complex-maha-vs-gop-on-pesticides-doctor-gender-confusion-whole-milk-returns-pasteurized-mil/https://boxcast.tv/view/jonathan-emord-fed-independence-trump-exits-66-organizations-fraud-industrial-complex-nj-vax-power-grab---the-rsb-show-1-15-26-v1ry7wahhy2br9xydn6v Purpose and Character The use of copyrighted material on the website is for non-commercial, educational purposes, and is intended to provide benefit to the public through information, critique, teaching, scholarship, or research. Nature of Copyrighted Material Weensure that the copyrighted material used is for supplementary and illustrative purposes and that it contributes significantly to the user's understanding of the content in a non-detrimental way to the commercial value of the original content. Amount and Substantiality Our website uses only the necessary amount of copyrighted material to achieve the intended purpose and does not substitute for the original market of the copyrighted works. Effect on Market Value The use of copyrighted material on our website does not in any way diminish or affect the market value of the original work. We believe that our use constitutes a 'fair use' of any such copyrighted material as provided for in section 107 of the U.S. Copyright Law. If you believe that any content on the website violates your copyright, please contact us providing the necessary information, and we will take appropriate action to address your concern.

If you have ever thought this seems overwhelming, we don't have the bandwidth or time for a complex marketing engine build or update. You're already running a business. It sounds like adding another full-time job. But here's the catch. You're already spending time and bandwidth on marketing. It's just not working efficiently. >>> Here are 4 ways we can help you reach your revenue goals faster...#1 Unlock the full potential of your marketing engine. We'll provide you and your team with the direction, insights, and tools necessary to excel in the complex landscape of modern marketing. - Marketing Advisor On Call#2 Discover the marketing strategies & tactics that will guide your next quarter and unlock explosive growth in 90 minutes. - Quick-Start Marketing Strategy Game Plan#3 Discover a tailor-made strategy for unprecedented growth to transform your marketing in 30 days. - Unlock Your Growth Opportunities#4 If you need guidance on the most effective direction for your marketing, then schedule a call with us today! - Get Your Free Discovery Call Now

Dr. Matt French is back a talented prosthodontist who spends HOURS designing his cases before sending them to the lab for final tinkering. He talks about his preferred workflows, his favorite investments he's made into his practice, and the current state of Prosthodontics in 2026. Ladies & Gentlemen, you're listening to "Confessions From A Dental Lab" and we're happy you're here. Subscribe today and tell a friend so we can all get 1% better :)Connect with Dr. French on instagram at @prosthodonticsmke and email him at mrfrench14@gmail.comFollow KJ & NuArt on Instagram at @lifeatnuartdental.com, you can also reach us via email: kj@nuartdental.comLearn more about the lab and request information via our website: https://nuartdental.com/contact

More than 12,000 people have reportedly been killed over the past several weeks of anti-government protests across Iran - including one Canadian, according to Foreign Affairs.Meantime, US President trump has vowed to take action against the Iranian regimes if the death and corruption continues amid the protests.Host Mark Day speaks to Maral Karimi, professor at Toronto Metropolitan University and author of The Iranian Green Movement of 2009: Reverberating Echoes of Resistance. The two discuss Iran's complex socio-political history, the power of women-led protest, and the potential danger amid US intervention in Iran. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter

Ana Maria Spagna and Eric Gleason join host Chelsea Rose on an investigative journey into a historic rumor, or true crime.

In this engaging episode of the HVAC School podcast, host Bryan Orr sits down with Leo and Paul Sharkey, a father-son duo of mechanical engineers who made the leap into the HVAC business. Leo and Paul share their remarkable journey of purchasing an HVAC company in September 2020 and quadrupling its revenue within five years. Their engineering backgrounds bring a refreshing, data-driven perspective to an industry that often relies on rules of thumb and outdated practices. The Sharkeys operate in the challenging Northeast market, where homes can date back to the 1600s and 1700s. They discuss the eye-opening discovery that traditional HVAC sizing methods—like the simplistic "one ton per 400 square feet" rule—fail dramatically in older housing stock. Their commitment to running thousands of Manual J calculations has transformed their approach, often resulting in smaller, more efficient systems than competitors propose. The conversation dives deep into the unique challenges of working with centuries-old New England homes, including extreme infiltration rates, non-linear heat loss curves during harsh winters, and the complications of mixing modern additions with ancient construction. Beyond sizing, Leo and Paul tackle the practical realities of heat pump installations in cold climates. They explain why turndown ratio is critical, how they handle homes with heat loads that triple their cooling loads, and when backup heating systems are truly necessary. Their consultative approach rejects the "one-size-fits-all" mentality that has flooded the market with incentive-chasing installations. They candidly discuss the problems created by Massachusetts' generous rebate programs, which have attracted fly-by-night operators who prioritize rebate qualifications over proper design and long-term performance. The episode also explores the balance between ductless and ducted systems, revealing when each approach makes economic and technical sense. The Sharkeys share fascinating case studies, from a 1748 house with the equivalent of a full-size door's worth of air leakage to underground concrete dome homes requiring specialized dehumidification. Their willingness to take on complex projects that other contractors avoid demonstrates how engineering thinking, combined with trade expertise, can solve challenging HVAC problems. This conversation is essential listening for anyone serious about understanding cold climate HVAC design, building science principles, and what it takes to deliver quality comfort solutions in real-world conditions. Topics Covered Engineering background transition to HVAC - How mechanical engineering experience in semiconductors and manufacturing informed their HVAC business approach Manual J calculations and proper sizing - Running 7,000-9,000 Manual J calculations over five years and why they typically specify smaller systems than competitors Old New England housing challenges - Working with homes from the 1600s-1700s, extreme infiltration rates, and heat loss characteristics of ancient construction Heat load vs. cooling load imbalances - Managing homes where heat loads can be triple the cooling loads and how this affects system design Heat pump turndown ratios - Why equipment turndown capability is critical for shoulder seasons and preventing short cycling in cold climates Cold weather performance and derating - Equipment capacity loss at low ambient temperatures and the importance of proper backup heat sizing Ductless vs. ducted system economics - When to choose multi-zone ductless over ducted systems based on home layout, infrastructure, and cost Retrofit complications in mixed construction - Dealing with homes that combine 200-year-old sections with modern additions on the same heating system Massachusetts incentive programs - How Mass Save rebates (up to $25,000 financing + $10,000 rebates) have impacted market quality and contractor behavior Installation challenges at low temperatures - Field issues including undersized ductwork, poor equipment placement, defrost cycle complications, and electric backup heat requirements Building science fundamentals - Blower door testing, weatherization impacts, infiltration effects on heat load, and wind loading considerations Consultative sales approach - Rejecting one-size-fits-all solutions and customizing system recommendations based on home characteristics and homeowner needs Backup heating strategies - When and why fuel-based backup systems are necessary, including power outage considerations and client comfort levels Complex project examples - Case studies including underground concrete dome homes, storage closet air handler installations, and severely under-designed retrofit corrections   Learn more about Leo and Paul's business, Jay Moody HVAC, at https://jaymoodyhvac.com/.  Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

SummaryIn this episode of The Compliance Guy Podcast, host Sean Weiss speaks with Evan Gottlob, a former federal prosecutor turned defense attorney, about the complexities of regulatory compliance in healthcare law. They discuss the decision-making process behind prosecutions, the impact of indictments on healthcare professionals, and the importance of protecting whistleblowers. Evan shares insights on civil investigative demands and the drivers behind False Claims Act cases, emphasizing the need for organizations to build a culture of compliance to prevent legal issues. The conversation highlights the challenges faced by healthcare providers and the legal landscape surrounding compliance and fraud.TakeawaysProsecutors must ensure they have a strong case before charging individuals.Indictments can have devastating effects on healthcare professionals' careers.The grand jury process is often biased towards the prosecution.Complex white-collar cases can be easier to present due to more evidence.Civil Investigative Demands (CIDs) can lead to criminal investigations.Whistleblowers play a crucial role in exposing fraud in healthcare.Organizations must take employee concerns seriously to prevent retaliation.Building a culture of compliance is essential for healthcare organizations.Legal representation is critical when facing investigations.The healthcare industry is plagued by significant fraud and waste.

A highlight from exceptional sessions at the 2025 Midyear Clinical Meeting & Exhibition, this episode explores key points for establishing and adjusting anticoagulation management plans for complex patients. The episode discusses key considerations for anticoagulation management in multiple care settings, including ambulatory care and critical care.  The information presented during the podcast reflects solely the opinions of the presenter. The information and materials are not, and are not intended as, a comprehensive source of drug information on this topic. The contents of the podcast have not been reviewed by ASHP, and should neither be interpreted as the official policies of ASHP, nor an endorsement of any product(s), nor should they be considered as a substitute for the professional judgment of the pharmacist or physician.

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠In this segment of Notorious Mass Effect, Analytic Dreamz delivers a focused analytical breakdown of Lil Uzi Vert's latest single “What You Saying,” released December 22, 2025 (with video dropping December 23), via Cor(e) / Roc Nation Distribution.Produced by MC VERTT, the track fuses Jersey Club rhythms with a sample from Indila's “Love Story,” exploring romantic frustration through a language barrier theme. It marks Uzi's fourth single in a rapid December rollout following “Chanel Boy,” “Relevant,” and “Regular,” kicking off their independent era after signing with Roc Nation Distribution—joining only JAY-Z and Rihanna in holding management, distribution, and publishing ties while retaining full masters ownership and creative control.The Charlotte Wales-directed music video (creative direction by Lil Uzi Vert and Ava Nirui) reimagines Uzi as a renowned fashion designer in an alternate universe, featuring atelier scenes, backstage chaos, a high-energy runway show with Marc Jacobs Spring 2025 looks, archival pieces from Jean Paul Gaultier, Helmut Lang, Raf Simons, Thom Browne, and Maison Margiela (Spring 2001 glove top worn by Adriana Lima), plus cameos from supermodel Adriana Lima, designer Marc Jacobs, Law Roach, Andre Walker, Lourdes Leon, and Lynn Yaeger. The visual pays homage to 1990s couture, Fashion TV nostalgia, and Prince's boundary-pushing influence, complete with satirical protester signs (“UZI Fashion Scum”) and a triumphant bow finale.Analytic Dreamz examines how this multidisciplinary release—paired with limited-edition merch via Welcome to Cor(e)—signals Uzi's crossover ambitions into luxury fashion, building on their 31+ billion career streams, multiple Grammy nods, three Billboard 200 No. 1s, and Complex recognition as a top 21st-century best-dressed celebrity. As speculation builds for a 2026 album, this fashion-forward statement reinforces Uzi's innovative legacy at the intersection of music, high fashion, and artistic autonomy.Join Analytic Dreamz for this data-driven deep dive into one of late-2025's most visually ambitious and strategically pivotal releases. Stream “What You Saying” now and stay tuned for more Notorious Mass Effect.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode, we sit down with Tabitha Hancock, Identity Services General Manager at UberEther, to explore how this leading identity and access management company tackles challenges in environments where security isn't optional. Discover their collaborative culture, what makes a standout candidate, and why UberEther is a go-to for cleared professionals seeking growth in a cutting-edge environment.Find complete show notes at: https://clearedjobs.net/uberether-solving-complex-icam-challenges-podcast_ This show is brought to you by ClearedJobs.Net. Have feedback or questions for us? Email us at rriggins@clearedjobs.net. Sign up for our cleared job seeker newsletter. Create a cleared job seeker profile on ClearedJobs.Net. Engage with us on LinkedIn, Facebook, Instagram, X, or YouTube. _

Kirsty Gibson is an investment manager at Baillie Gifford, where she has spent over 13 years.  She is currently focused in particular on investing in US equities with a growth orientation. Our conversation starts with Kirsty's roots and her training in classical ballet. This was an unusual yet direct route to Baillie Gifford as she first came across the firm when she saw that they were sponsoring a ballet performance they had attended – evidence that sponsorship of similar events does in fact get noticed and yield returns! We move then to her investment beliefs, her Masters in carbon management and what she derived from it and her approach to stock picking. We dive into the cultural aspects that make a firm a rewarding place to work, and about the mindset needed to thrive as an active equity manager today.  This podcast is kindly sponsored by Evanston Capital and Alvine Capital. For over 20 years Evanston Capital has had a key focus in identifying early-stage investment managers it believes are capable of generating long-term, value-added returns in complex, innovative strategy areas. Alvine Capital is a specialist investment manager and placement boutique with a particular focus on alternative assets with significant presence in London and Stockholm.

Interview with Shane Williams, President & CEO, West Red Lake Gold MinesOur previous interview: https://www.cruxinvestor.com/posts/west-red-lake-gold-tsxvwrlg-cash-positive-miner-targets-100k-oz-by-2028-without-dilution-8551Recording date: 13th January 2026West Red Lake Gold Mines declared commercial production at its Madsen Gold Mine effective January 1, 2026, achieving this milestone just seven months after completing its bulk sample program. The mill averaged 689 tonnes per day in December 2025, representing 86% of permitted capacity with strong 94.6% recovery rates, producing 3,215 ounces of gold. This performance met the company's internal requirements of 30 consecutive days at 65% or greater throughput combined with operational stability.The company generated US$30 million in gold sales revenue during Q4 2025, selling 7,200 ounces at an average price of US$4,150 per ounce. For full-year 2025, Madsen poured 20,000 ounces generating US$73 million in revenue, with the company ending the year holding CAD$46 million in cash and gold receivables. Management confirms the operation is self-funding with positive monthly cash flow, eliminating future dilution risk.West Red Lake Gold is transitioning to higher-grade ore from the 4447 zone in South Austin, expecting Q1 2026 mill feed to average over 6 grams per tonne gold compared to 4.94 g/t in December. The company targets 800 tpd sustained throughput by mid-2026 while advancing multiple growth initiatives including the Fork deposit, newly identified 904 Complex, and shaft optimization studies that could significantly increase production capacity.—Learn more: https://www.cruxinvestor.com/companies/west-red-lake-gold-mines-incSign up for Crux Investor: https://cruxinvestor.com

Join guest, Dr Ilyssa Bass, as she shares simple solutions and tips for raising complex kids together as a family and tips on raising complex kids.  

Complex cases rarely fall apart because of missing data. They fall apart because there's no clear direction for what to look at first.In this solocast, Dr. Ritamarie breaks down the thinking process behind effective root-cause work. Not more labs. Not more tools. But the mental model that helps you connect symptoms, patterns, physiology, and history into a clear, actionable hypothesis.This episode walks you through how experienced practitioners move from reacting to data to making sense of it. You'll learn how to identify the right entry point, avoid overwhelm, and build confidence in your clinical decisions without chasing everything at once.If you've ever felt stuck between too much information and not enough clarity, this episode will give you a framework you can return to again and again.What You'll Learn in This EpisodeWhy more data doesn't automatically lead to better decisionsWhat a root-cause hypothesis really is, and what it is notHow to recognize symptom patterns instead of chasing diagnosesThe systems most commonly involved in fatigue, weight changes, mood shifts, and metabolic imbalanceHow to identify upstream contributors that feed downstream symptomsWhat pattern clustering reveals about where to startHow to determine the primary driver that creates the biggest shift with the fewest stepsCommon mistakes that keep practitioners stuck in complexityWhy sequence matters more than volume when supporting healingHow a strong hypothesis saves time, money, and unnecessary testingResources and LinksDownload the full Transcript hereJoin the Next-Level Health Practitioner Facebook Group here for free resources and community supportVisit INEMethod.com for advanced health practitioner training and tools to elevate your clinical resultsCheck out other podcast episodes here

TrulySignificant.com riffs with Adrian Kelly, author of The Success Complex. What you will hear: How has the definition of success evolved from his early days as a criminal defense attorney to his modern day role as author and futurist?      2. What does "no country to die for" mean to you?      3. Why do we need to create "a place for faciitators to grow and hope, respect and tolerate?"       4. What is the missing ingredient between achievement and happiness?       5. Explore the 7 listeners on an FBI truck.Become a supporter of this podcast: https://www.spreaker.com/podcast/success-made-to-last-legends--4302039/support.

The McCullough Report with Dr. Peter McCullough – America faces a reckoning as critics expose the biopharmaceutical complex behind pandemic policy, vaccine safety failures, and suppressed treatments. Gene Bailey and Dr. Peter McCullough challenge government and corporate narratives, warn of lingering spike protein risks, and call for reclaiming bodily autonomy, medical truth, and cultural sanity amid a broader war on humanity...

The McCullough Report with Dr. Peter McCullough – America faces a reckoning as critics expose the biopharmaceutical complex behind pandemic policy, vaccine safety failures, and suppressed treatments. Gene Bailey and Dr. Peter McCullough challenge government and corporate narratives, warn of lingering spike protein risks, and call for reclaiming bodily autonomy, medical truth, and cultural sanity amid a broader war on humanity...

Are you paying for a high-powered CPA when your tax situation doesn't actually require one?In this episode, Tait Duryea and Ryan Gibson sit down with CPA Gary Heldt to clarify what smart tax planning really looks like for high-income pilots with relatively simple financial lives. They break down how W-2 earners can optimize taxes without complex businesses, aggressive strategies, or unnecessary fees. Gary explains how often-overlooked fundamentals like benefits planning, estimated taxes, and coordinated advice can quietly compound into meaningful long-term gains. If you want clarity, confidence, and a more intentional approach to your CPA relationship, this episode delivers.Gary Heldt is a CPA, Certified Tax Coach, and founder of Small Business Advisors. With over 25 years of experience, he helps high-income professionals make better tax decisions through a consultative, family-office-style approach that prioritizes clarity over complexity.Show notes:(0:00) Intro(0:23) Why pilots overpay for CPAs(1:25) Family-office thinking for W-2 earners(3:42) Gary's path into tax planning(8:13) Missed tax moves for W-2 professionals(11:57) What a good CPA should do(16:28) Why education beats tax prep(24:34) Bracket strategy and timing income(28:50) Estimated taxes pilots overlook(34:18) Turning tax savings into investments(43:57) OutroConnect with Gary Heldt:Sign up directly on the site. Choose personal, business, or both newsletter options: https://www.sbadvisors.cc/ Gary's Podcast: https://www.sbadvisors.cc/resources/podcasts If you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

If you had to describe President Trump in one word, what would it be?Winner. Genius. I don't know that I have ever met a man so laser-focused on making things happen. I speak often of kids in the hood who grow up hard, and make life and death decisions daily, and what a resource those kids could be if they were put in the right environments. Trump is one of those kids.I know that sounds strange, but I think it's true. He grew up rich, but not spoiled. He learned about hard work, and work ethic, and he learned what not to do from his older brother.It is almost indescribable what the Trump presidency means to America and the world…https://x.com/nettermike/status/2009843044028428714This account from a Venezuelan security guard loyal to Nicolás Maduro is absolutely chilling—and it explains a lot about why the tone across Latin America suddenly changed.Security Guard: On the day of the operation, we didn't hear anything coming. We were on guard, but suddenly all our radar systems shut down without any explanation. The next thing we saw were drones, a lot of drones, flying over our positions. We didn't know how to react.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

At the start of a new series, Daniel will be exploring the work of two prolific Fantasy writers: 1. JRR Tolkien. 2. George RR Martin. Game of Thrones and The Lord of the Rings have had a distinct cultural impact, but they also offer a window into the worldviews of the men who wrote them. This is what Daniel wants to explore. On the surface, GOT and LOTR may look quite similar, but that's due to an inability to see. Daniel's central question: How does the philosophy of two very different men produce vastly different worlds? Follow us on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-belfast-podcast/id1472441982 Follow us on Spotify: https://open.spotify.com/show/1s3aaP3pUkQKBVXbsP8Y34?si=ca588a6165424c61 Instagram: @thebelfastpodcast Email: belfastpodcast@gmail.com The Belfast Podcast exists to help recapture the Christian imagination. Luke and Daniel see the trend of modernism doing no favors for a vibrant view of scripture. Our goal is to widen the field of vision for modern people reading the Bible as we grapple with its ancient context, literary beauty, and symbolic underpinnings. You may have been taught to read texts with an eye for their literary and symbolic structures in English courses in high school and/or college, but rarely is this taught to seminary students or lay Christians alike when it comes to the Bible. We want to keep this eye for symbolism, repetition, and structure as we investigate the Biblical canon, linking it to modern and old examples that are extemporaneous yet connected to aid in giving the broader field of vision mentioned earlier. Come along with us on our journey to reread your bible for the first time. We hope that through the words of those who have come before us, we can give Western Christianity its imagination back.

Sunday Preaching , Jan 4th, 2025  If you like what you hear, check us out on Facebook, Instagram, Podcast, and our website.  Instagram @MedoraChurch Facebook @MedoraChurch Podcast @MedoraChurch Website medorachurch.com

In this episode of Talk Commerce, Tim Baynes, CEO and founder of Compatio, discusses the complexities of selling configurable products and the evolution of CPQ (Configure Price Quote) systems. He shares insights on how Compatio addresses the challenges of product compatibility and configuration, particularly in B2B markets. The conversation also explores the role of AI in modern configurators, the trends in digital transformation within B2B commerce, and the importance of guided selling in enhancing customer experience.Chapters00:00 Introduction to Compatio AI and Tim Baynes02:04 Tim's Journey and Background in CPQ Systems05:31 Understanding Complex Product Configuration10:28 The Evolution of CPQ Systems and Market Focus14:34 The Role of AI in Modern Configuration19:12 Guided Selling and Digital Transformation in B2B23:48 Closing Thoughts and Future of Compatio

Starting January 28, 2026, military members can finally convert their traditional TSP to Roth while still serving...and if you're deployed to a combat zone, you could convert tens of thousands at near-zero tax rates. Brian "ALF" O'Neill from Wingman Wealth breaks down the game-changing TSP in-plan conversion feature and reveals why this could be a 6- or 7-figure lifetime tax savings for service members who get the strategy right. Main Points Roth vs Traditional Basics- Roth is "tax insuranc" against future taxation Why Military Tax Rates Are So Low What Are TSP In-Plan Conversions? New feature launched January 28, 2026 Convert traditional TSP to Roth TSP while still serving (previously had to wait until separation or age 59½) Can do up to 26 conversions per year Entire converted amount added to taxable income for that year Critical: TSP does NOT allow tax withholding; must have cash set aside externally Conversions are irreversible (no recharacterization allowed) The Combat Zone Golden Opportunity CZTE (Combat Zone Tax Exclusion) drops taxable income to near-zero Can convert large traditional TSP balances at 0-12% tax rates during deployment year Don't have to convert while physically in combat zone—any time during that tax year Example: E-5 deployed full year could convert $50,000+ at minimal tax cost Combat zone contributions also pro-rata (10% CZTE balance = only 90% of conversion taxable) This opportunity disappears after separation—can't replicate as civilian Tax Planning Essentials Paying the Tax Bill Strategic Timing for Conversions Best time #1: End of year (November-December) when you know actual income Best time #2: During market downturns—pay tax on lower value, convert more shares Example: $10,000 balance drops to $5,000, convert at 12% = $600 tax vs. $1,200 Don't tie conversions to deployment timing—tie to when you can see full-year income picture Can dollar-cost-average with multiple conversions throughout year (but probably unnecessary) The "2-1-0" Framework (Advanced) Two: Optimize for two spouses, married filing jointly, similar lifespans One: Optimize for surviving spouse facing higher single tax rates (widow/widower penalty) Zero: Optimize for heirs—prepay tax bill, leave Roth money to children Advanced strategy: High-earning children gift parents money for Roth conversions at parent's lower rate Who Should Convert and How Much Five-Year Rules and Withdrawal Restrictions Common Mistakes to Avoid Implementation Details Related Strategies When Professional Help Makes Sense First-time converters with 5-figure amounts Complex family situations (multiple income sources, kids in college) High-income earners considering large conversions Anyone uncertain about tax projections Use MFAA advisors, Military Tax Experts Alliance, or fee-only CFPs Resources & Links Wingman Wealth: wingmanwealth.com Military Financial Advisors Association (MFAA): militaryfinancialadvisors.org Fighter Pilot Finance Facebook Group (managed by Alf) Nectarine: hellonectarine.com (fee-only advisor consultations) Military Tax Experts Alliance: militarytaxexperts.org IRS Estimated Tax Payments: irs.gov Dinky Town Calculators (free tax projection tools): dinkytown.net/taxes.html  Related Podcast Episodes: Episode 2: TSP Deep Dive (most popular episode) Various TSP fund analysis episodes Key Takeaways TSP in-plan conversions launched January 28, 2026—military members can now convert traditional TSP to Roth while still serving without waiting for separation Combat zone deployments create once-in-a-lifetime opportunities—CZTE income drops taxable income to near-zero, enabling $50,000+ conversions at 0-12% tax rates You must have external cash for taxes—TSP does NOT allow withholding from conversions; need savings, refund, or estimated payments ready Most military members face higher retirement tax rates—pension + civilian job + Social Security likely pushes you into 22-24% brackets, making Roth conversions at current 10-12% rates a no-brainer Conversions are irreversible—no recharacterization allowed, so measure twice and do tax projections before converting Market downturns are conversion opportunities—when account value drops 50%, you pay tax on half the value but convert the same number of shares BRS members have automatic conversion candidates—5% government match always goes traditional, creating ongoing conversion opportunities if you're in low brackets State residency matters enormously—converting while legal resident of Texas saves 5-13% vs. high-tax states like California or New York This could be six-figure lifetime tax savings—depending on account size, career length, and strategy execution, potential $10,000-$100,000+ in tax savings November is optimal conversion month—you know actual income for the year, can calculate exact bracket room, and avoid year-end surprises   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2864: Kylee Lessard shares transformative insights from the Inner MBA program at NYU, offering practical tools to regulate emotions and shift from stress to presence in daily life. By exploring Professor Jeremy Hunter's concept of mindful self-management, listeners gain accessible strategies, like self-dialogue, cold exposure, and nervous system awareness, to reclaim calm, energy, and clarity amid the chaos. Read along with the original article(s) here: https://www.ablueskymind.com/blog/mindful-self-management-strategies Quotes to ponder: "Self-management, in the modern world, is all about managing the flow of your attention and the way your nervous system responds to the flow of your attention." "Where attention goes, energy flows." "Your nervous system dictates how much you struggle by bringing either accepting or resisting energy to pain that arises." Episode references: Inner MBA by NYU: https://innermbaprogram.com

Creating strong passwords is a modern headache. Simple ones are easy to hack. Complex ones are hard to remember. And using the same password everywhere is just asking for trouble. This episode begins with a smarter, practical strategy for creating passwords that are both secure and memorable. Source: Sid Kirchheimer, author of Scam-Proof Your Life (https://amzn.to/3SeWhA5) Men and women differ in ways that go far beyond the obvious — and some of the most fascinating differences rarely get discussed. From how men and women hear sound differently, to why women tend to live longer, to how hormones influence behavior in surprisingly specific ways, these differences are deeply rooted in biology and evolution. Cat Bohannon joins me to explain what science really shows. She holds a Ph.D. from Columbia University and is author of Eve: How the Female Body Drove 200 Million Years of Human Evolution (https://amzn.to/3SgBUlO). Rats, insects, bees, deer, spiders — the world is full of creatures we label as “pests.” But what actually makes an animal a pest? And why do humans respond to some species with fear, anger, or extermination, while others get sympathy or protection? Bethany Brookshire explains how humans often create pests through our own behavior, and what our reactions reveal about us. She's an award-winning science writer and author of Pests: How Humans Create Animal Villains (https://amzn.to/3vzlpZt) And finally, most drivers never adjust their car's headrest — or even know how it should be positioned. In a crash, that small oversight can make a big difference. We wrap up with how to set your headrest properly to reduce the risk of whiplash and neck injury. https://www.adlergiersch.com/provider-blog/how-to-properly-adjust-your-headrest-to-prevent-whiplash/ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Kindergarten Teacher Complex. And AWR Hawkins With The Latest On The Minnesota ICE Shooting Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.