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Brad from Hot Metal Fab met up with the SnailBoys while they are all down at KOH. This was Brads first time to King of the Hammers. They discussed what he has been up to, what he has broken and what he would like to go and do with the remaining time. But what’s most important is that he suggests everyone to come out to King of the Hammers if you have the chance. Hot Metal Fab:Website – https://hotmetalfab.com/Instagram –   / hotmetalfab  YouTube –    / @hotmetalfab   MORRFlate Giveaway at 900 Reviews on Apple Podcast. But our next giveaway is when we reach 800 reviews; we are giving away an OnX Elite Membership. We will also give away an OnX Elite membership when we get to 850. However, when we reach 900 Reviews, we are teaming up with MORRFlate for a $1000 MF Product Giveaway. Go over to Apple Podcasts to leave your review now and become eligible to win. Congratulations to A13XMONT, who won a set of tires from Yokohama Tire! Call us and leave us a VOICEMAIL!!! We want to hear from you even more!!! You can call and say whatever you like! Ask a question, leave feedback, correct some information about welding, say how much you hate your Jeep, and wish you had a Toyota! We will air them all, live, on the podcast! +01-916-345-4744. If you have any negative feedback, you can call our negative feedback hotline, 408-800-5169. 4Wheel Underground has all the suspension parts you need to take your off-road rig from leaf springs to a performance suspension system. We just ordered our kits for Kermit and Samantha and are looking forward to getting them. The ordering process was quite simple, and after answering the questionnaire, we ensured we got the correct and best-fitting kits for our vehicles. If you want to level up your suspension game, check out 4Wheel Underground. SnailTrail4x4 Podcast is brought to you by all of our peeps over at irate4x4! Make sure to stop by and see all of the great perks you get for supporting SnailTrail4x4! Discount Codes, Monthly Give-Always, Gift Boxes, the SnailTrail4x4 Community, and the ST4x4 Treasure Hunt! Thank you to all of those who support us! We couldn’t do it without you guys (and gals!)! SnailSquad Monthly Giveaway The first giveaway of the year is with our good friends over at Gearwrench. We got some more goodies to give away to a lucky winner. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. Congratulations to Johnny Freky for winning the Vanquish Yokohama edition RC racecar. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. If you’re looking for any amazing RC parts for your scaled crawler, make sure to check out Vanquished Products. Listener Discount Codes: SnailTrail4x4 –SnailTrail15 for 15% off SnailTrail4x4 MerchMORRFlate – snailtraill4x4 to get 10% off MORRFlate Multi Tire Inflation Deflation™ Kits4WheelUnderground – snailtrail 10% offIronman 4×4 – snailtrail20 to get 20% off all Ironman 4×4 branded equipment!Sidetracked Offroad – snailtrail4x4 (lowercase) to get 15% off lights and recovery gearSpartan Rope – snailtrail4x4 to get 10% off sitewideShock Surplus – SNAILTRAIL4x4 to get $25 off any order!Mob Armor – SNAILTRAIL4X4 for 15% offSummerShine Supply – ST4x4 for 10% offBackpacker’s Pantry – Affiliate LinkLaminx Protective Films – Use the Link to get 20% off all products (Affiliate Link) Show Music: Outroll Music – Meizong Kumbang Midroll Music – ComaStudio

This week's episode of Wealth Formula features an interview with Claudia Sahm, and I want to share a quick takeaway before you listen — because she's often misunderstood in the headlines. First, a quick explanation of the Sahm Rule, in plain English. The rule looks at unemployment and asks a very simple question:Has the unemployment rate started rising meaningfully from its recent low? Specifically, if the three-month average unemployment rate rises by 0.5% or more above its lowest level over the past year, the Sahm Rule is triggered. Historically, that has happened early in every U.S. recession since World War II. That's why it gets cited so much. And to be clear — it's cited a lot. The Sahm Rule is tracked by the Federal Reserve, Treasury economists, Wall Street banks, macro funds, and economic research shops globally. When it triggers, it shows up everywhere. That's not by accident. Claudia built one of the cleanest early-warning indicators we have. But here's the part that often gets lost. The Sahm Rule is not a market-timing tool and it's not a prediction machine. Claudia emphasized this repeatedly. It was designed as a policy signal — a way to say, “Hey, if unemployment is rising this fast, waiting too long to respond makes things worse.” In other words, it's a call to action for policymakers, not a command for investors to panic. What makes this cycle unusual — and why talking to Claudia directly was so helpful — is what's actually driving the data. We're not seeing mass layoffs. Layoffs remain low by historical standards. What we're seeing instead is very weak hiring. Companies aren't firing people — they're just not expanding. That distinction matters. And this is where I think the big picture comes in — not just for understanding the economy, but for investing in general. When you step back, the big picture includes a government with massive debt loads that needs interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. And it includes the reality that if the current Fed leadership won't ease fast enough, future leadership will. History tells us that governments eventually get the monetary conditions they need — even if it takes time, even if it takes new appointments, and even if it takes a shift toward a more dovish Federal Reserve. That doesn't mean reckless money printing tomorrow. But it does mean that structurally high rates are unlikely to be permanent. And when you combine that with investing, the question becomes less about this month's headline and more about what's positioned to benefit when the environment normalizes. That's why I continue to focus on real assets that are already deeply discounted — things like multifamily real estate — assets that were repriced brutally during the rate shock, but still sit at the center of a growing, rent-dependent economy. This conversation with Claudia reinforced something I've been talking about for a long time:The biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I've made this mistake myself. If you want a thoughtful, non-sensational, data-driven discussion about where we actually are in this cycle — and what the indicators really mean — I think you'll get a lot out of this episode. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Well Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, uh, listen, we’re back in, uh, back in the saddle in here in, uh, 2026. I know it’s takes some time to get used to it, but we’re, gosh, we’re at the end of the month actually by the time this plays. I think we’re in February. It’s time again to start thinking about investing. And so if you are interested in potentially using this year, which I believe and which many believe to potentially be the last year, uh, big discounts, uh, in real estate and, uh, various other types of offerings. Make sure. To sign up for the Accredit Investor group, our investor club, as we call it wealthformula.com. You do need to be an accredit investor and then you get onboarded. An accredit investor is just defined by who you are. If you make over $300,000 per year filing jointly, or 200 by yourself, every reasonable expectation to do so in the future. Or you have a net worth of a million dollars outta your personal, outside of your personal residence, you’re an accredit investor. Congratulations. Join the club wealthformula.com. Interesting podcast. Today we have, uh, Claudia Sahm She’s a Big Deal, Claudia Sahm. You may recognize that last name som, for this som rule. And what is a som rule in plain English. You actually have heard of the som rule multiple times from other economists who’ve been on the show. The som rule looks at unemployment. And asks a very simple question. Now, has the unemployment rate started rising meaningfully from its recent low? So specifically, if the three month average unemployment rate rises 0.5% or more above its lowest level, over the past year, this som rule is triggered. Now, historically, that has happened early in every US recession since the World War ii. That’s why it gets cited so much. It gets cited a lot. By the way, the sum rule is tracked by the Fed treasury economists, wall Street Banks, macro funds, economic research shops globally, and when it triggers, it shows up everywhere, and that’s not by accident. Uh, Claudia has built one of the cleanest early warning indicators we have, but here’s the part that often gets lost. The som rule is not a market timing tool, and it’s not a prediction machine. Claudia, uh, emphasized that repeatedly. It was designed as a policy signal, a way to say, Hey, if unemployment’s rising this fast, wait, waiting too long to respond makes things worse. In other words, it’s call to action for policy makers, not a command for investors to panic per se. So what makes this cycle unusual and why talking to Claudia directly was so helpful? Well, it’s what’s actually driving the data. We’re not seeing mass layoffs. Layoffs remain low by historical standards. Um, what we’re seeing instead is very weak. Hiring companies aren’t firing people, they’re just not expanding, and that distinction matters. This is where the big picture comes in, not just for understanding the economy. For investing in general and when you step back, the big picture includes a government with massive debt loads that need interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. I’ve mentioned this before and it includes the reality that have to fed, fed, uh, if the current Fed leadership won’t ease fast enough. I am likely the case that future leadership appointed by. Donald Trump himself, uh, will, so history tells us that governments eventually get the monetary conditions they need, even if it takes time, even if it takes new appointments. And even if it takes a shift towards a more dovish federal reserve. Uh, that doesn’t mean, uh, reckless money printing tomorrow, but it does mean that structurally. High interest rates are unlikely to be permanent. Okay? And when you combine that with investing, the question becomes less about this month’s headline and more about what’s positioned to benefit when the environment normalizes. Okay? That’s really, really important, and that’s why I continue to focus on things like real estate, right? Real estate is currently. Not for long, in my opinion, but deeply discounted things like multifamily real estate, um, that were repriced brutally during the rate shot, uh, but are still at the center of a growing and, and rent dependent economy. And again, uh, this conversation with Claudia reinforced something that I’ve been talking about a long time, which is the biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I’ve made that mistake myself. I am not immune. I have made lots of mistakes, and that’s one of them. So this is a great conversation. Hopefully you’ll enjoy it, especially if you want a thoughtful, nons sensational data-driven discussion. Where we are actually at in this cycle and what these indicators really mean. I think you’ll get a lot of this episode and we will have this conversation for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net. The strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you borrowed money at a simple interest rate, your insurance company keeps. Paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today my guest on Wealth Formula podcast is Dr. Claudia Sahm. Uh, she’s an American, uh, macroeconomic expert, uh, known for her work, uh, on monetary and fiscal policy and real-time economic indicators. She developed this som rule, which I think, uh, people have mentioned on this show before, so this is a great opportunity to talk to her about that. Uh, it’s a widely, uh, followed recession signal based on unemployment. She’s also a former Federal Reserve economist and senior policy advisor in government. Um, so welcome, uh, Dr. Sahm. Great. Happy to be here. Thank you. Well, let’s, let’s kind of start out with this som rule because, uh, you know, it’s funny, we, we have had a few different people, uh, at various times bring up the SOM rule, and I think one had actually said that it was triggered, but I don’t don’t think it was at any rate, let’s, let’s start with that. What is the som rule? Lemme start with why is there a som rule, and then we’ll then we’ll get to specifically what the, what the rule is itself. So when I started out on the project, it wasn’t so much about. Calling a recession, like there are some really fancy technical ways that economists like look at the tea leaves and the data and either try to forecast a recession, which is incredibly hard, or even just say we’re in a recession in real time. So like that’s a useful endeavor. But what actually was behind the development of my recession indicator was more of a call to action. How do we develop policies that, that the Congress can put into place very quickly if a recession comes? So these kind of what are referred to as automatic stabilizers, so they’re decided upon ahead of time, but then you do need a trigger that says a recession is here. So now that enhance the unemployment benefits, send out the stimulus checks, whatever it is that we kind of have as our typical tools that are used in recessions, we could have those ready to go as kind of guardrails. Then like you, you turn the policy on. So that was really my emphasis was on how do we do better policy and recessions, get the support out quickly. ’cause that’s the best chance of kind of stabilizing the situation. And then it’s like, well it was in a, it was in a policy volume that they asked for, like a really concrete proposal. So if I’m gonna say an automatic stabilizer, I need to have a proposal for what a trigger could be. So that’s really where the som rule came. So I think it is important. It’s definitely important to me to, I always remember like what the kind of reason for it’s sure. Now that also guided what the indicator itself looks like. So again, it was gonna be in, in fiscal policy. It needs to be simple, it needs to be something that we track it and it needs to, I felt it was important that it capture the reason that we. Fight recessions, why there’s such a bad, uh, you know, outcome. And so it looks at the, the unemployment rate. I use the national unemployment rate, take a three month average. ’cause we wanna smooth out, like there’s bumps and wiggles in the data from month to month. So you kind of, you know, three month average. One way to smooth it out. So you take that series of three month averages, you look at the current value, you compare to the lowest value over the prior 12 months, if you’ve seen an increase of a half, a percentage point or more. Which is really pretty modest, but half a percentage point or more. Historically, we have been in the early months of a recession, so it’s not a forecast. It’s supposed to be like we’re in it. Let’s go. It’s an empirical pattern. It’s one that’s worked in the United States. It reflects kind of our labor market institutions, the way unemployment rate moves and recessions. It historically is the case that once you get past a certain threshold of increased unemployment rate, it tends to build on itself. And in a typical recession, we see increases of. Two, three or more percentage points in the unemployment rate. Uh, so that’s, that’s what the summer rule is. And in fact, it did trigger in the summer of 2024. At that time I had said like, look around, we are not in a recession. GP is still expanding. Job creation is still happening. We don’t see the other hallmarks of a recession. And pointed to the fact that we’d had a very disrupted labor market after the pandemic in particular. You know, there had been a lot of immigration at that point. The unemployment rate is the total number of unemployed. So people who don’t have a job but are actively looking for one out of the labor force, right? And so these people that have to either be employed or looking for jobs, and so we actually saw from the pandemic. Both with the pandemic and then later with the surge and now the reversal in immigration. We’ve seen a lot of movement in the, in the labor force, which makes unemployment rate a little tricky to interpret. And then I’d also argue, we saw early in the pandemic, the unemployment rate dropped very rapidly. We even had labor shortages. So in some ways unemployment rate rising and it has risen over. I mean, it continued to rise last year in 2025. A lot of that’s also normalization. We’d had a very low unemployment rate. So I think the, the pandemic recession has a lot of features that were very unusual. We’ll talk probably more about the labor market continued to be kind of unusual. So the, you know, the somal was not the only recession indicator to fall flat on its face in the cycle. Um, but I think it’s still a useful, useful guide and I, and. You know, even if it’s not a recession, the, the unemployment rate is a full percentage point above, its low in 2023. So, I mean, that, that could, that could be a reason for policymakers to respond, even if it’s not responding to a recession. Right. That was the first time that it, that triggered and, and actually didn’t. End up in a recession, right? There’s some back in the 1950s, earlier, but it’s, it’s the first time where there’ve been some false positives in the past or, or near false positives. Like in 2003. It was kind of close, uh, is like the unemployment rate rises a little bit and then it falls back down. What we saw after it triggered in 2024 is it stabilized. Then last year it continued to rise. So this the pattern that we’ve seen since the pandemic of rapid recovery dropping unemployment rate and then it’s like gradually rising and yet has risen a full percentage point that you go all the way back in the post World War II period. We don’t see anything that looks like that. So that is a very unusual. Paris. So something’s more is going on in the labor market than just our typical business cycle, boom, bust, recession type dynamics. So what is that? What is the thing that’s happening that’s unusual right now in the labor market? Right? So the thing that is driving the unemployment rate up, I think this is a good lesson, a reminder to all of us. It’s not about layoffs. The rate of layoffs in the United States is really quite low. You look at unemployment insurance claims, they’re also quite low. What’s been pushing the unemployment rate up over the last two and a half years has been a very low rate of hiring and, and it’s, and it is something that over time will at least gradually put upward pressure on the unemployment rate and frankly. Until hiring picks up and we really don’t have many signs of it. Even as we enter 2026 unemployment rate’s gonna probably keep drifting up ’cause we’re not keeping job creation’s, not keeping up with, you know, people coming into the, into the labor market and, and that what’s, I think the puzzle right now is that hiring has been very low. But what we’ve seen in terms of consumer spending, business investment, so the kind of the big pieces of GDP, they’ve really held up pretty well, so. Business. It’s not, again, not that recession of the customers have disappeared. And so we’re not hiring, or we may even be firing workers. The customers are there for the businesses, but they’re choosing in this environment not to add, uh, to their payrolls. And that’s slowly pushing up down point rate. Yeah. Um, you know, it, it’s interesting what you’re, you’re talking about, but essentially you’re, people aren’t getting fired. They’re just, when they retire or leave, they’re just not replacing those. Individuals, you know, makes me think a little bit about what’s going on in the big, you know, in the tech push with artificial intelligence and that kind of thing, and increased in efficiency. Certainly you see that in the larger companies like Amazon and all that, where they’re just becoming massively more productive and cutting expenses essentially by, you know, using tech. Do you think that this is sort of an early indication, potentially of that kind of movement? So it. It’s possible, but I think we’re at the very front end of AI disrupting the labor market. This low hiring rate that we’ve talked about. You see this across all kinds of industries, including ones that don’t show high levels of AI adoption, and frankly, a AI adoption is pretty low. I mean, there are some sectors like tech and increasingly finance and some professional services have higher adoption rates. Uh, but in terms of it being able to explain the low hiring. I think it’s pretty tough ’cause the low hiring is such a, such a broad based, um, phenomenon. Now, AI might be, I think, indirectly contributing in that one of, one of the hypotheses about why, um, businesses have been, uh, not hiring despite, you know, economic activity. Continuing to push ahead could be that there’s a lot of uncertainty. Now there is a long list that we could draw of, of factors that might be causing businesses to be uncertain and hesitant to add to their payrolls. Uh, a lot of times you talk about things with tariffs or, you know, economic policy, regulations changing, you know, so there’s a lot going on there. But it could also be, there’s a lot of uncertainty about what this technology means for the future. Maybe you don’t need to bring on more workers because your ability to kind of use and adapt this technologies coming online. And so like that could be part of it. I think there’s another piece, you know, we have a lot of discussion about ai, but I do think that there’s, there could be a, a technology angle to this that’s, that is. Not in the AI technologies, but maybe just some of the more basic kind of automation is again, right after, you know, the, the pandemic recession as we came out of a, you know, very rapid recovery, uh, there was, there was a lot of hiring or that, ’cause businesses had done a lot of firing and they needed to bring back workers really rapidly and we actually had a period of labor shortages. There were workers moving around a lot and there were, that also put a lot of pressure on some employers, particularly in service sector, to automate more ’cause they just couldn’t get the workers, so they needed to bring technology. Online to help, you know, fill the gap. And over time, you know, businesses though, they haven’t done as much hiring, they have been firing. So the workers, they have longer tenures, have more experience, they’re probably more productive. So maybe businesses can kind of, you know, get away with not doing more hiring. ’cause the people they have there can kind of keep up with it. Um, and they’ve done some more automation. I don’t think those are sustainable. I think we’re going to need to see hiring pickup in terms of, of staying with, um, you know, as expanding, uh, demand from customers. But I won’t pretend to know what AI means for the future of the labor force. Right. So like there could be, I think that’s a big conversation about we’re headed, where we’re headed. I think it’s probably a pretty small slice of explaining. Where we’re at right now. You know, it’s interesting because obviously there was a lot of concerns about rising inflation, and particularly in the context of, you know, tariffs and, and among those types of things that were, were, um, coming down the pipe. And as it turns out, inflation seems to be coming down. How do you explain that from where you sit? Because it, it, it seems sort of to contradict a lot of what, you know, many economists believe to be likely. So when thinking about the effects of tariffs on inflation and this, this idea that it didn’t end up being as much of a factors we had really feared, uh, you know, a year ago. I think there’s a few things to keep in mind. One, the announced tariffs, uh. Didn’t come to pass fully. Right? So there’s a big difference between some of the, the, the initial announcements, whether it was on Liberation Day, April 2nd, or the initial kind of retaliation tit for tat with China, where we ended up with some triple digit, uh, tariff numbers. Those didn’t end up being where we, we ended now tariff, the effect of tariff rate. Is much higher than it was before. Right. Uh, president Trump came into office for the second time, so like, I don’t wanna minimize the, the, the increase in tariffs and the US government collected about $200 billion last year in, in additional tariffs. But there is a, there’s a good bit of daylight between what was announced and where we actually ended up. Businesses also proved very capable of trying to avoid those tariffs and not in like a. Illegal kind of way of avoiding them, but, but using inventories like trying to get ahead of them. We know the tariffs are tariffs. There’s been some evidence that, that it’s businesses are gonna start passing on the tariff cost increase when it’s actually tied to the inventories that they’re putting out in front of customers. And for some of our goods, like say apparel or things that have long seasons or come from, you know, all across the world, it actually takes quite a bit of time from the inventories being what actually shows up in front of customers. So there’s been the ability to. Kind of get around the tariffs ’cause they were rolling in. And so do be smart in terms of your inventories. And then it just takes time for those inventories to be, you know, um, to come down. Mm-hmm. By, there’s been several studies at this place, at this point that, that demonstrate that the, the tariffs, the cost of the tariffs is coming into the us. So the, it’s always the importer that pays the tariff, like literally writes the check to the US government. But it’s possible that the foreign producer could say, reduce their prices on what they’re, you know, paying or what they’re asking to be paid for that, uh, imported good. And then that would be a way of the foreign producer sharing the cost of the tariff. But everything that we see from the M Court data suggests that a very small fraction, probably less than 10%. Of the total tariff burden is being born by, at least at this point, born by the foreign producers. So it’s coming into the us. It’s sitting with either US businesses that are importing the goods or have the goods at some point in their, you know, in their supply chains and, and with us customers, the consumers we have, we’ve seen. I think you can really look at the inflation data. You can see the goods prices, which often are kind of a drag on inflation that they did turn around. They’re, they’re putting upward pressure on inflation. It’s not massive. It doesn’t explain all of these, you know, 200 billion in tariff costs, but then it is, it’s sitting with businesses. The effects still, it’s still just not that long enough to really understand. You know what, what the implications. It’s possible. I, I think that’s true with any, with any big policy change. Like it doesn’t happen overnight. I think that’s one thing that a lot of, a lot of economic models that, like, they’re, they’re very sensitive, right? Like as soon as a policy change happens, the models will kind of tell us something pretty dramatic in terms of adjustments. But this last year was a reminder, like when there’s, when there’s a big cost, there’s gonna be a lot of attempts to adjust around it to try to minimize that cost and then. It takes time, like in the real world, like the interactions are much more complex. You know, inventory lags all of the, like, it takes time to move its way through. So I think we’re not done with the pass through. I think we’ll probably still see more come to consumers, but businesses could decide to bear that cost. They, they could, you know, with profit margins. I mean some of, some of the inflationary environment in the pandemic did allow. There were very broad base increases in prices. You did see some companies be profitable from that because it was, there was a, you know, some of the costs were more targeted, but the, you know, the, the price increases were broad. So it could be a time where businesses see that, you know, consumers are more price sensitive now than they were in 21, 20 21, 20 22, so they’re not passing as much on it. Could be that that’s part of where. Like the cost businesses are dealing with that cost by maybe doing less hiring as opposed to passing it on to consumers. Uh, you know, they could be taking a hit with their profits. They, you know, so like, it doesn’t have to go all the way through to consumers. There are different levers that can be pulled. I do think we’ll still see some pass through in the, in probably the first half of this year, and that’s assuming that our whole tariff regime. Sit still, right? It looks like once again we might be, uh, increasing those tariffs, but, um, so yeah, I think it’s just tracing, you know, the tariffs through the system is really complicated. And one last thing I’ll say about the tariffs is they’re not just tariffs on goods that go to consumers. These tariffs have been broad enough that we’re also taring imported goods that are used by our manufacturers used for our, by our businesses in their production. So then it can take a really long time for that to end up with the, you know, the end customer could be a business to start with, and then it moves its way down. So I think these are just, you know, the costs are real. We can see the tariffs have been collected, the costs are there. We can see in the import data, there haven’t been import price data, there haven’t been a lot of adjustments by the foreign suppliers. So then it’s just a question of, we have these costs. Where did the cost go? I believe the last GEP was 4.3% and, uh, inflation was around 2.6, 2.7, or at least core. You’ve obviously, uh, worked at the Fed. Um, give us a sense of the situation that the Fed is trying to figure out here. Like what do they do with these numbers and, you know, all of the issues that surround them. The work at the Fed, I mean, it, it’s laser focused on the, the response, the mandates that the Fed has. So with maximum employment and price stability and with maximum employment, that’s not something that can be easily defined. It’s not like it’s a particular unemployment rate, it’s not a particular payroll number. But I mean, broadly speaking, it’s, you know, do, are, you know, the people who wanna work, are they working? In such a way that it’s not putting pressure on inflation, right? Like labor shortages that end up with wage increases that just, you know, end up with inflation. Like that would be a situation where the Fed would actually want to kind of help restrain some of the. Uh, employment growth. And we, we saw that in this cycle. I mean, the Fed raised rates a lot in 2022 and 2023. Uh, so that’s the maximum employment on the stable prices. The Fed has set a target of the 2%, uh, year over year PCE inflation. So a little different than the CPI inflation, but very much related. And, and it’s one, I mean, that’s, that’s the goal, right? And it, uh. So it starts with those two pieces and, and what’s been, I think what’s been challenging in say the last year as the Fed was, you know, trying to figure out what it was gonna do with interest rates was the fact that it, there was pressure on both sides of the mandate. Mm-hmm. Um, and not necessarily the, well, I mean, inflation itself has, was above the 2%. It continues to be above the 2%. Target has been. Since 2021. Now the Fed’s policy doesn’t have a look back, but I mean, they do worry that the longer inflation stays closer to three than two businesses. Consumers are gonna start to kind of embed three into their actions, their expectations. Then you kind of get stuck there. So like that, that both, you know, they were missing on the inflation mandate and there were, there were concerns that the, that we might see inflation get stuck above the mandate and the way you dislodge it if it gets stuck. Could end up risking a recession, right? So the Fed doesn’t want that to happen. So that’s a real concern. But then on the employment side, you know, we started out talking about the small rule, the rising unemployment rate. We’ve seen the unemployment rate rising. And then last year in particular, it wasn’t just the unemployment rate rising, we saw job creation just really take a leg down. Um. Some of that probably is less immigration population aging, so less supply of workers, which isn’t something the Fed would react to. ’cause that, I mean, if you don’t have as many people that wanna work, you don’t need to create as many jobs. But the unemployment rate was rising, so it’s clear, like there just wasn’t, there wasn’t enough job creation to keep up with, um, the workers who were there, uh, to work. And, and there was a concern that this could, could spiral out. Those small increased unemployment rate that, that very low level of job creation. And frankly, if you look at, I mean the, I mean, we have multiple months and probably more after revisions of declines in payroll employment. Mm-hmm. Like if you looked at the labor market data, you’d be like, aren’t we in a recession or like on the edge of one? Again, that’s not where we’re at, but it, it certainly gave that, that risk. Things could be slowing down. And, and the, the last piece that was really important in the Fed’s decisions was where, where’s the federal funds rate? Where are the interest rate, the policy interest rate they control? And it was still relatively high. For, for recent history, right. Not in the long history of the Fed, but mm-hmm. And so, like the Fed had raised, they’d raised interest rates quite aggressively to fight the inflation in 2022. They’d very gradually lowered it. Some was taken out in 2023 because made some pro, made quite a bit of progress on inflation in, or in 2024, they lowered the rates in 2025, the 75 basis points of cuts that the Fed did. It was out of concern. Of the labor market unraveling a risk, not a, not saying, hey, the labor market is unraveling, but saying the risk that the downside risk to employment are larger and more worrisome than the upside risk to inflation. So this inflation getting stuck, is that still the case as a going into 2026 here? So, you know, even, even last year we saw, we listened to Fed officials, there’s quite a bit of disagreement. Because it was a tough situation to read. There are some Fed officials that were more focused on inflation, some that were more focused on the employment side. Uh, and it really was just a matter of kind of reading the economy and trying to figure out this, a very unusual situation, like where, where was this headed? What did the Fed need to do? In the end, the consensus on the Fed was to do the rate cuts, kind of front load them. They talked a lot about it as insurance. They’re taking out insurance against the labor market deteriorating. And I think with that approach, in all likelihood, and there’s been certainly signaling of this, that when they meet at the end of January, it’ll, they’re unlikely to move again. That this is, this will be an opportunity to hold steady, be patient the Fed has, has taken out their restriction. So they don’t have the higher rates, so they’ve pulled rates down. We also know that early this year there’s various kinds of fiscal support that are coming online or tax cuts to households and to businesses that should give a little extra lift, uh, to the economy. So I think it’s a period of the Fed waiting to see what the effects of their policy changes are, seeing what the effects of the fiscal policy with the expectation this will be enough to stabilize the labor market. Even help get it back on track and really what the Fed would like. I mean, we’ll see what they get, but they’d really like the next cut to be a good news cut. Like inflation. Oh look, it’s moving back down again. We’re making clear progress back to 2%. I think that’s probably gonna take maybe even till the middle of this year to build that case. A strong case for the disinflation. Mm-hmm. But that’s, that’s what they would, would like to do. But they’re gonna keep an eye on the labor market. But nothing we’ve seen in the most recent data suggests that they gotta get moving like that. There’s some, you know, real pressure building. Um, in fact, the labor market looks a little bit better probably than when they met in December and inflation. Showing some signs of progress, but it, it’s pretty bumpy in terms of, there’s a lot of noise in the data at the moment. You mentioned, um, the Fed’s mandate and you know, certainly that’s something, um, that, uh, you know, that, that we know the Fed looks at these unemployment numbers that look at inflation. I’m curious though, that there’s, you know, there is this push and pull with the treasury. In particular, you know, looking at the amount of, of, of, of bonds that need to be refinanced, that kind of thing. I mean, presumably that’s one of the reasons why the Trump administration is pushing so hard, uh, on the Fed to reduce, um, you know, to reduce rates so that you know, this sovereign debt can be refinanced at a, something a little bit more palatable. How much of that actually. I know it’s not supposed to play a part in the Federal Reserve’s actions, but in reality is there, is there that kind of, you know, thinking that, you know, they have to, they, they may try to play ball a little bit with the, with the situation, with the debt. Yeah. There, the, the Fed is not playing ball right now with the administration. Uh, but, but there have been, there have been times in our past. So during World War II, there was an explicit cooperation between the Fed and the Treasury. The Fed kept interest rates low. Both the federal funds rates, so the short term interest rates, they also did, uh, some purchases of longer term to help keep longer term rates down. Right. So I mean, the, the Fed really, they, their policy was oriented exactly on this objective, keeping the borrowing cost of the US government low because it was financing the war effort. So, so there have been times where the Fed has cooperated with treasury. Now, when they came out of World War ii. What happened is, you know, treasury wants to keep interest rates low. This is good for, you know, the economy, good for growth, but it was, it really was creating a lot of inflationary pressures and it took until the early 1950s for the Fed to kind of regain its kind of operational independence from treasury and then go back to pursuing, you know, inflation as a key goal. And then also in the late seventies and maximum employment was added as an explicit goal. So we’re in a place now where. It’s employment, it’s inflation, it, there was quite, um, I mean, president Trump and some other officials have been, you know, very open about saying rates should be low to help with the deficit, with funding the gov. So like, it’s, it’s been in the discussion in the air. But that’s not, that’s not a mandate that Congress has given the Fed. That’s not what they’re pursuing. It does, you know, but things can change at the Fed. We’re gonna see a change in leadership this year with a new Fed chair. Um, the Fed always, I mean, Congress created the Federal Reserve. It’s changed its abilities, its responsibilities over time. I don’t wanna say that we’ll never get back to a place where the Fed thinks about. Its effect on the deficit. I mean, they’re watching it, they know, right? They’re tracking all these aspects of the economy. But in terms of what’s driving the Fed’s decisions about what the, the federal funds rate should be, that’s not part of the calculus right now. Yeah. Um, you know, another, just another question is for clarity. You know, the, the, um, officially right now there’s, there’s no quantitative easing. However, there is. Uh, you know, I’ve been reading, uh, about even, I think even today, there was a, a fair amount of liquidity, uh, being injected in by the Fed. Can you, for people who don’t understand the mechanics of this and what the difference in terminology is, can you explain to us maybe what the difference is between quantitative easing and what’s being done right now? So just as for context, where quantitative easing even came from. So if we go back to the global financial crisis in 2008, the Federal Reserve, in response to that recession, pulled the federal funds rate all the way to zero. Cut rates to zero And as sure many of us remember that that recession was a very deep and long recession. So, and the unemployment rate was, you know, 10% and inflation was not a problem. So the, the Fed would want in that environment to do more to support the economy. But when the federal funds rate is at zero, that’s, its, that has been its primary tool. Well, that’s, that’s. Stepped out. So then as a question of, well, what else could we do to help support the economy? And, and there, there were. Different possibilities. Uh, some European central banks looked at, you know, they actually did negative interest rates or tried to pull their policy rates, and that’s not what the US did. What was done was to do purchases of, uh, treasuries. Uh, there’s also been purchases of mortgage backed securities, and this is where the Fed is. I mean, and, and they’re creating reserves. So the fed, I guess, secretary, uh. Treasury doesn’t refer to it as magic money. Um, you know, they create reserves and then they’re going out and they’re buying tr so they’re pushing that liquidity, that demand into markets. And if you’re, if there’s a lot more demand for treasuries, well, the price of the treasuries will go up. The yield comes down. Interest rates go down. Yep. Interest rates go down. So they. They were, the Fed wanted to support the economy more. That was the tool that they used to do it. So when, when the Fed talks about quantitative easing, it’s not just the tool, the asset purchases, it’s also the intent, right? They wouldn’t do quantitative easing right now. ’cause if the Fed thought they really need to stimulate the economy more, they’ve still got like. More than three percentage points they could cut from the federal funds rate. Like if the issue were right now, we need to like get the economy going, they’re gonna like cut the funds rate and do it that way. They wouldn’t be pur like purchasing assets, purchasing treasuries to do that. But what what happened is between the global financial crisis, the Great recession, so all the asset purchases done then. There was some, some runoff of the balance sheet, but then again, in the pandemic there were a lot of asset purchases. Uh, the Fed has a really big balance sheet, and it has, uh, it, it kind of changes the way that the Fed can even just move around the federal funds rate. Like, I don’t wanna get too much into the, the technicals, but it’s, it’s just, you know, when the Fed says, well, we wanna lower the, the funds rate to 3.5%. In the old days, they could kind of do, you know, with the bank reserves and they could like, make these small purchases and it would, it would make that stick. Now with, there’s, uh, banks have a lot of reserves, so they’re not as responsive. And so just to kind of, there’s like the, the technical, the tools, the Fed has to just make it happen. In terms of operationally, it means that they have to do some purchases now and then they call their, I mean the new name they have for these are reserve management. Purchases. So it’s really about operations. It’s not about, but it does mean they’re purchasing assets. So if you’re just focused on like the Fed’s purchasing assets, they’re putting liquidity into the system. Yes, they are doing that, but it’s not with the intent to kind of push the economy to run harder. It’s just enough liquidity to keep. The federal funds rate stable at the level that they wanted to be at, to just make sure that all these operations are short in the very short term lending markets amongst banks, that it’s all kind of working as mm-hmm. As it should be. So it’s more about operations and it’s about stimulus policy. Right. A lot of our, um, a lot of our listeners are real estate owners, investors, and they’re, you know, they think about, um. Mortgage rates and that kind of thing. There was recently a, a pretty significant, well, I don’t know how significant it really was. I think it was about, was it maybe $250 billion worth of mortgage backed securities purchased by Fannie Mae. Um, that ca can you talk about the purpose of that and really the, you know, what kind of effect that would actually, we could actually expect from that. It’s certainly been, I mean it’s, it is clear. You know, we talked about one reason that the administration would want interest rates down. It’d be like financing the deficit. Right. Another reason that very much pulls into kind of the affordability debate is we want interest rates lower, one of them lower for consumers. Now the White House has put a lot of pressure on the Fed for them to lower rates even faster than they have. Has not played ball with that. But then the Fed has lowered its rates. The Feds rates are very short term rates, and the federal funds rate is like an overnight rate with between banks. Right. So it, and it has an effect on, you know. Credit card rates, short term rates, but it’s not one, it, it has an effect, but it’s really not like driving necessarily 30 year mortgage rates or you know, some of the longer term rates. There’s a lot of other factors that go into that, and so in this kind of, you know, push for lower mortgage rates. Pushing on the Fed is not the only lever to pull, right? The administration has other levers that they could potentially pull, um, in trying to influence mortgage rates. Now, there, I’d argue the administration’s tools here, like the, the $200 billion, Fannie and Freddie purchase that you mentioned. That really is about trying to reduce the spread. Between mortgages and treasuries. So in some ways it sounds similar, like, oh, fed and Franny, which are, you know, GSEs. So part, part of the, you know, government right now, at least they were privatized during the global financial crisis. You think, oh, they’re going out and purchasing this Sounds a lot like the Fed going out and purchasing. There are there, there’s some parallels, but we need to remember, Fannie and Freddie don’t create money. The Fed, when they start, when they start the process of their quantitative easing, they’re creating reserves like they’re actually creating liquidity and money supply. Fannie and Freddie have authorization to be able to make these purchases, but they’re not like the fed. They’re not creating reserves, but they can, so I don’t wanna think about them like bringing down the whole set of interest rates, but they can affect this spread between mortgages and say treasuries. Right? And so, because again, if you’re, if the. If the GSEs are going out, they’re purchasing mortgage backed securities, well that’s increasing demand for those, and that can push down the rates, that can like squeeze that spread. And, and while the announcement has been made, you know, I mean they’re, they’re in the early stages of putting that in place, but we even on the announcements, saw a response in financial markets and you’re seeing some movement down, uh, in mortgage rates now. It was. Pretty modest, right? And, and 200 billion while, you know, not nothing, uh, really pales in comparison to like the scale of say, the quantitative easing that the Fed did. Um, and there are probably other, but the, you know, the administration’s not done. It doesn’t necessarily have to be that Fannie and Freddie do more purchases. The the spread between mortgage rates and treasuries is pretty substantial. There’s other places where, you know, the fees that go into getting a mortgage are quite a bit larger than they were before the, the global financial crisis. So maybe they go in and try to chip away at the fees and, you know, so there’s, there’s different levers. And I fully expect, and I think we’re gonna get some announcements here again soon on the White Houses. Housing affordability agenda. So there may be other, other ways that they’re trying to, uh, influence, uh, the mortgage spreads. But that’s, that’s what that is all about. And it, it should have, and it looks like, you know, it’s having some effect in terms of bringing rates down, but it likely, it’d be modest, like in the 10 basis points, maybe 20 if they ramp up the program some. But like, it, you know, it’s, it, it, you know, every, every bit counts. But this is not a. Uh, this won’t be enough to, you know, move rates down, dramatic mortgage rates down dramatically, uh, when you, when you look at the economy. Um, and I, I, I think just, you know, one last question. I mean, I just in terms of, you know, the people listening to this are. They’re, they’re people, you know, with jobs and who are trying to invest their money, and they’re trying to, you know, build long-term wealth, but they’re, you know, everybody’s worried about what’s happening with the economy. What, what, what do you think, like, just as, um, um, you know, perspective for people to understand or try to have some framework for how to look at what’s going on in the economy. How they should judge it. Like what would you suggest, like just for mom and pop investors trying to, what is happening with the economy? I’m not an economist. What, what are the, what are the things that you think they should consider studying up on, looking into a little bit? One challenge for a lot of investors, I mean, frankly, it’s, it’s been a challenge that I try to deal with too. Uh, we’re, we’re in an environment where there’s just. There’s so much news coming out of DC uh, with the White House and policies and the Fed, and you know, I mean, like, there’s just, there’s a lot. The headlines are big. And like I talked about with the tariffs, we had like really big tariff announcements. The really scary numbers were, and then it like dialed back and then we pushed through it and it’s like, and it’s this remembering that, um. There’s always a tendency to have this idea that the, the president really runs the economy. I mean, that’s not just about this administration. That’s like a longstanding, you know, the president gets, uh, blame or credit for the economy when really, right. Like we have a over 33, $30 trillion economy, hundreds of millions of workers, tens of millions of businesses. Like this is not about one administration. And so we always need to be careful about. Putting too much weight on the policies coming out of dc. Uh, and you know, last year if you really just listened to all the, you know, we’re cutting immigration, we’re raising tariffs, we’re doing, you know, all, there’s a lot of uncertainty in Doge. Well then you might have missed, like, there’s a bunch of AI investment happening and we’ve got a lot of growth in the economy and while consumers are still pretty resilient, so you, it’s kind of like. Tuning down the volume, some coming out of Washington, especially the like every twist and turn. Uh, and then kind of focusing in on the fundamentals. I will say, you know, you don’t wanna turn down DC too far because we, we do have some like big picture events that could play out over many years. Right. So kind of keeping an eye on it, but for the long game. As opposed to reacting to every twist and turn, every policy announcement, because a lot of this clearly is more of a negotiation than it is like, we’re gonna actually do this. So, you know, as investors, you don’t wanna get whipped around by the latest headline, but you also can’t put your head in the sand. Like you gotta kind of try and find a way to pull the signal out of the noise. And it is really. It’s really hard. Yeah. Like this has been a challenging time and the, the US economy’s been doing things that are not typical. We talked about some of the things with the labor market and we are running some policy experiments that haven’t been run in a long time, so things could change pretty dramatically. But I think it’s just trying to absorb the information, not get too wound up about it, but like also keep an eye on like what’s good for long-term growth. Yeah. Because it’s good for long-term productivity. Thank you so much Dr. Sahm. It’s uh, it’s been a pleasure talking to you on, uh, wealth Formula Podcast today. Great. Thank you so much. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concept. Here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. It was Claudia Sahm. She is, uh, she’s a very, very smart lady. And, uh, just a reminder, if you have not done so, uh, I, I don’t frequently ask to do, do this, but, uh, make sure you give the show. Five stars and a positive review because that’s how we’re getting, you know, really high quality people like Claudia on the show, I’ve been around for a long time. It helps that the show is, you know, like over a decade old and all that stuff too. But, uh, anything you can do to support would be very helpful. And also one more reminder, uh, if you have not done so and you weren’t a credit investor, make sure you sign up for that investor club. At Wealth formula.com. That’s it for me. This week on Wealth Formula Podcast. This is about Joffrey signing out. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheelwright and Ken m. Visit wealthformularoadmap.com.

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Just find the "FOR" button for every director, and "AGAINST" button for everything from an investor. Got it? Congratulations! It also comes with no extra pay!' headline of the week. Wells Fargo switches to in-house proxy voting systemWIM will determine proxy votes for these assets using a policy and set of instructions it has developedIn our 'Not to be outdone, the Trump administration is looking into inventing a new type of energy they call "hot star energy"' headline of the week. The Amount of New Solar Power Production Capacity China Is Manufacturing Is Legitimately Mind-BlowingIn our 'Men say Call of Duty: Black Ops 7 and ChatGPT conversations that convinced them they had a "revolutionary idea" about beer koozies were the number 1 reason they let their wives do the caregiving and childcare last year according to new data' headline of the week. Women say caregiving and child care costs are the No. 1 reason they quit the workforce last year, according to new data

You just bought a private practice. Congratulations! Here's the wake up call: it won't necessarily run as well as, or even the same as, it did before you bought it. It's your show now. How skilled are the staff? How smart and realistic is the marketing plan? Are the financials clean or a mess? These and other questions are coming your way. My guest today helps her clients absorb a practice purchase successfully, and she'll share some thinking with us.Lisa Levesque is the principal and Business & Executive Coach at Breakthrough Business Strategies with a focus on healthcare professionals who are technically excellent but need help with the practice of business. Prior to her current business, Lisa held senior level leadership roles at Fidelity Investments, and she leverages these experiences to help her clients achieve business excellence.In this episode Carl White and Lisa Levesque discuss:Why due diligence always has gapsWhat to prioritize once you take over and what not to doWhat good looks like in the first 6 monthsWant to be a guest on PracticeCare®?Have an experience with a business issue you think others will benefit from? Come on PracticeCare® and tell the world! Here's the link where you can get the process started.Connect with Lisa Levesquewww.linkedin.com/in/llevesqueVideo Resources Lisa Levesque Mentioned in this EpisodeHelp with a vision statement: https://www.youtube.com/watch?v=dZShbB59giMHelp with a mission statement: https://www.youtube.com/watch?v=1xs4I349cdcConnect with Carl WhiteWebsite: http://www.marketvisorygroup.comEmail:  whitec@marketvisorygroup.comFacebook:  https://www.facebook.com/marketvisorygroupYouTube: https://www.youtube.com/channel/UCD9BLCu_i2ezBj1ktUHVmigLinkedIn: http://www.linkedin.com/in/healthcaremktg

Tyler and Jimmy break down the King of the Hammers racers’ schedule. They break down everything in the class schedule. This way, if you are interested in a specific class, you can just jump to that section to figure out what is going on. They did tease about the Trophy trucks and King of the motos as well. View the schedule written out: https://www.snailtrail4x4.com/koh-schedule-2026/ MORRFlate Giveaway at 900 Reviews on Apple Podcast. But our next giveaway is when we reach 800 reviews; we are giving away an OnX Elite Membership. We will also give away an OnX Elite membership when we get to 850. However, when we reach 900 Reviews, we are teaming up with MORRFlate for a $1000 MF Product Giveaway. Go over to Apple Podcasts to leave your review now and become eligible to win. Congratulations to A13XMONT, who won a set of tires from Yokohama Tire! Call us and leave us a VOICEMAIL!!! We want to hear from you even more!!! You can call and say whatever you like! Ask a question, leave feedback, correct some information about welding, say how much you hate your Jeep, and wish you had a Toyota! We will air them all, live, on the podcast! +01-916-345-4744. If you have any negative feedback, you can call our negative feedback hotline, 408-800-5169. 4Wheel Underground has all the suspension parts you need to take your off-road rig from leaf springs to a performance suspension system. We just ordered our kits for Kermit and Samantha and are looking forward to getting them. The ordering process was quite simple, and after answering the questionnaire, we ensured we got the correct and best-fitting kits for our vehicles. If you want to level up your suspension game, check out 4Wheel Underground. SnailTrail4x4 Podcast is brought to you by all of our peeps over at irate4x4! Make sure to stop by and see all of the great perks you get for supporting SnailTrail4x4! Discount Codes, Monthly Give-Always, Gift Boxes, the SnailTrail4x4 Community, and the ST4x4 Treasure Hunt! Thank you to all of those who support us! We couldn’t do it without you guys (and gals!)! SnailSquad Monthly Giveaway The first giveaway of the year is with our good friends over at Gearwrench. We got some more goodies to give away to a lucky winner. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. Congratulations to Johnny Freky for winning the Vanquish Yokohama edition RC racecar. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. If you’re looking for any amazing RC parts for your scaled crawler, make sure to check out Vanquished Products. Listener Discount Codes: SnailTrail4x4 –SnailTrail15 for 15% off SnailTrail4x4 MerchMORRFlate – snailtraill4x4 to get 10% off MORRFlate Multi Tire Inflation Deflation™ Kits4WheelUnderground – snailtrail 10% offIronman 4×4 – snailtrail20 to get 20% off all Ironman 4×4 branded equipment!Sidetracked Offroad – snailtrail4x4 (lowercase) to get 15% off lights and recovery gearSpartan Rope – snailtrail4x4 to get 10% off sitewideShock Surplus – SNAILTRAIL4x4 to get $25 off any order!Mob Armor – SNAILTRAIL4X4 for 15% offSummerShine Supply – ST4x4 for 10% offBackpacker’s Pantry – Affiliate LinkLaminx Protective Films – Use the Link to get 20% off all products (Affiliate Link) Show Music: Outroll Music – Meizong Kumbang Midroll Music – ComaStudio

What does it take to stop avoiding pain and instead use it as a guide for rebuilding the body? The same movements that caused injury can heal it when performed slowly, partially, and with intention. "What we try to do is get people to understand that if you have pain, if you have a limitation, you don't stop doing the thing that hurt it. You do the thing that hurt it, slow, partial, light, take it down to the baby amount, the tolerable amount, and then start pushing it back up the scale. And by the time you can do it fast and heavy again, you're healed. Congratulations." ~ Sean Hannah (9:19) The conversation explores why most people avoid the slow, deliberate work required to truly rehabilitate injuries rather than just return to basic function. The distinction between physical therapy (designed for baseline recovery) and full joint remodeling (a months-to-years process typically reserved for elite athletes) forms the foundation of the discussion. The key insight is that healing requires doing the same movements that caused injury—but slower, lighter, and more partial—rather than avoiding them entirely. Pain emerges as a multifaceted phenomenon with three distinct layers: actual tissue damage, neuropathic pain (trauma responses encoded in nerves and fascia), and centralized pain (psychological amplification based on beliefs and language). The conversation addresses how someone might present with a knee problem but actually need a full head-to-toe biomechanical remodel, with the knee simply being where the dysfunction surfaces most visibly. The discussion also touches on the origins of the nickname "Seanobi" (an Irish ninja wordplay), the value of intuitive three-dimensional movement versus linear athletic training, and the importance of having something worth playing for as the motivational spark that makes the difficult rehabilitation process possible. Takeaways Remodeling versus physical therapy — Physical therapy aims for basic function, but returning to athletic capability requires a separate, longer process called remodeling that most people don't know exists. The spark — Without something you love doing that's disappearing or already gone, you won't sustain the slow, frustrating work of rehabilitation. Same movements, different parameters — Healing doesn't require new exercises; it uses the same movements that caused injury, performed slower, lighter, and more partially. Three layers of pain — Pain includes actual tissue damage, neuropathic responses stored in nerves and fascia, and psychological amplification based on perception and language. Language affects pain signaling — The words used to describe pain directly influence how much pain is felt; changing the narrative can dampen signaling and allow greater loading. The blowout point — A presenting injury like a knee problem is often just where a full-body biomechanical imbalance surfaces most visibly. Tissue-specific protocols — Pace, load, and angle can be adjusted to target specific tissues: nerve and fascia respond to different parameters than muscle and bone. Guarding responses — Much of chronic pain isn't damage but protective contractions and nerve issues that require precise loading to release. Threading the needle — Effective rehabilitation requires enough stress to trigger healing responses without crossing the threshold into new damage. Intuitive versus linear training — Three-dimensional, intuitive movement serves rehabilitation and durability, while linear athletic training like Olympic lifting builds speed and power for sport. The dial metaphor — Training exists on a spectrum from slow, rehabilitative, three-dimensional work to fast, linear, athletic work, and the dial can be adjusted based on daily capacity. Becoming your own maintenance mechanic — The goal of guided rehabilitation is independence—learning to address pain and maintain the body without ongoing professional help. Resources Monkey Do — "What Moves You?" Sean Hannah's guided mobility and joint remodeling programs. Monkey Do on YouTube — video content related to the mobility and rehabilitation approach. Designing curriculum, teaching seniors, and the mid-range — Sean's previous conversation on Movers Mindset covering related topics. Katy Bowman — mentioned regarding how too much "vitamin flat and level" is a problem. Iron Gump / MIST — a Movers Mindset conversation discussing meditative strength training. Parkour Generations — the organization behind American Rendezvous where Craig and Sean last met in person. (Written with help from Claude.ai) --- Hello

Hour 1: Lindsey Vonn, the American downhill skiier, has been injured just one week before the Olympics. Rob Gronkowski says he's never spent his NFL paychecks. Cardi B and Robert Kraft are teaming up for the big game. Joshua is the new Karen. 10 bucks isn't what it used to be. Awh, poor Matty. Disgusting habits that everyone secretly has. Hour 2: The President of San Francisco Bay Coffee, Lisa Smoot, joins Sarah and Vinnie to solve your problems! Today's Bad Advice council is talking about friendships - how to lose them and how to keep them. Why aren't people pumped about the Winter Olympics this year? MORE disgusting habits that everyone secretly has. How often are we all having sex? (50:14) Hour 3: Rachel McAdams and Dylan O'Brien star in a horror comedy ‘Send Help' in theaters this weekend. A Jason Statham movie is also out now. ‘If I Had Legs I'd Kick You' is now on HBO. Alexander Skarsgård is hosting SNL this weekend. Matty is recommending ‘Wonder Man' on Disney+, and Bob is STILL recommending ‘Heated Rivalry.' There might be another Hollywood Writers' strike on the horizon - oh no! A new reality show is asking the age-old question: Does age matter? Are these insane reality shows real or fake? Vinnie says oatmeal is even better for us than we thought. Teen boys are being lured into gambling. Ask Grandma to babysit! It's good for her! (1:32:53) Hour 4: What the heck is Cigarette mom rock? The antithesis of divorced dad rock. TikTok is apparently hosting a Live festival. Congratulations to our sister station, Live105!! Waymo is now taking people to/from the airport! A Florida man makes the news… shocking. A truck full of beer rolled over spilling hundreds of beers and dozens of kegs onto the highway. Plus, a riveting game of When Did That Happen?! (2:18:10)

What the heck is Cigarette mom rock? The antithesis of divorced dad rock. TikTok is apparently hosting a Live festival. Congratulations to our sister station, Live105!! Waymo is now taking people to/from the airport! A Florida man makes the news… shocking. A truck full of beer rolled over spilling hundreds of beers and dozens of kegs onto the highway. Plus, a riveting game of When Did That Happen?!

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Another week has gone by, and that means it’s the weekly catch-up on what the SnailBosy have been up to. Tyler did a lot of work on the Mule, fixing the issue with the ARB and giving everyone a tease of a future MF product. Jimmy gives everyone an update on some new SnailArmor panels and talks about cleaning the shop and how rewarding it was. MORRFlate Giveaway at 900 Reviews on Apple Podcast. But our next giveaway is when we reach 800 reviews; we are giving away an OnX Elite Membership. We will also give away an OnX Elite membership when we get to 850. However, when we reach 900 Reviews, we are teaming up with MORRFlate for a $1000 MF Product Giveaway. Go over to Apple Podcasts to leave your review now and become eligible to win. Congratulations to A13XMONT, who won a set of tires from Yokohama Tire! Call us and leave us a VOICEMAIL!!! We want to hear from you even more!!! You can call and say whatever you like! Ask a question, leave feedback, correct some information about welding, say how much you hate your Jeep, and wish you had a Toyota! We will air them all, live, on the podcast! +01-916-345-4744. If you have any negative feedback, you can call our negative feedback hotline, 408-800-5169. 4Wheel Underground has all the suspension parts you need to take your off-road rig from leaf springs to a performance suspension system. We just ordered our kits for Kermit and Samantha and are looking forward to getting them. The ordering process was quite simple, and after answering the questionnaire, we ensured we got the correct and best-fitting kits for our vehicles. If you want to level up your suspension game, check out 4Wheel Underground. SnailTrail4x4 Podcast is brought to you by all of our peeps over at irate4x4! Make sure to stop by and see all of the great perks you get for supporting SnailTrail4x4! Discount Codes, Monthly Give-Always, Gift Boxes, the SnailTrail4x4 Community, and the ST4x4 Treasure Hunt! Thank you to all of those who support us! We couldn’t do it without you guys (and gals!)! SnailSquad Monthly Giveaway The first giveaway of the year is with our good friends over at Gearwrench. We got some more goodies to give away to a lucky winner. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. Congratulations to Johnny Freky for winning the Vanquish Yokohama edition RC racecar. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. If you’re looking for any amazing RC parts for your scaled crawler, make sure to check out Vanquished Products. Listener Discount Codes: SnailTrail4x4 –SnailTrail15 for 15% off SnailTrail4x4 MerchMORRFlate – snailtraill4x4 to get 10% off MORRFlate Multi Tire Inflation Deflation™ Kits4WheelUnderground – snailtrail 10% offIronman 4×4 – snailtrail20 to get 20% off all Ironman 4×4 branded equipment!Sidetracked Offroad – snailtrail4x4 (lowercase) to get 15% off lights and recovery gearSpartan Rope – snailtrail4x4 to get 10% off sitewideShock Surplus – SNAILTRAIL4x4 to get $25 off any order!Mob Armor – SNAILTRAIL4X4 for 15% offSummerShine Supply – ST4x4 for 10% offBackpacker’s Pantry – Affiliate LinkLaminx Protective Films – Use the Link to get 20% off all products (Affiliate Link) Show Music: Outroll Music – Meizong Kumbang Midroll Music – ComaStudio

Today's poem is Congratulations! Your Grief Is About to Stop Being Relevant! by Bridget Bell. The Slowdown is your daily poetry ritual. In this episode, Maggie writes… “Today's poem captures a time of grief in the speaker's life, when life goes a little quiet after a flurry of support and care.” Celebrate the power of poems with a gift to The Slowdown today. Every donation makes a difference: https://tinyurl.com/rjm4synp

In this episode, I reflect on a Facebook post I shared last week about the difference between the Kingdom of God and every other kingdom. I honestly expected backlash, but instead the post struck a nerve and opened up a surprising amount of thoughtful and gracious conversation. What I am really talking about here is not Republican versus Democrat. It is discipleship. It is about what happens when the Church trades faithfulness for usefulness and why Christians are called to remember, especially in tense moments, that Caesar was never meant to be Lord.     Connect with Rick Lee James Website: RickLeeJames.com Music & merch: search “Rick Lee James” on your favorite music platform Subscribe, rate, and review Voices in My Head wherever you listen to podcasts.     Hosted by: Rick Lee James — Voices in My Head Podcast                 Get the Audiobook, Out of the Depths: A Songwriter's Journey Through the Psalms by your host, Rick Lee James, on Audible: https://www.audible.com/pd/B0F45G6KWH?qid=1744142727&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=KEDVV78ASDMS52WQFD7W&plink=3YmaWg4y0HJ0Cjfc&pageLoadId=IaamycyuJR519uYD&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1%20 ----more---- Don't forget about our music sale on Bandcamp. Use the code “10off” on RickLeeJames.Bandcamp.com to get 10% off your purchase. Blessings, Rick Lee James Email: Rick@RickLeeJames.com Don't forget about our music sale on Bandcamp. Use the code “10off” on RickLeeJames.Bandcamp.com to get 10% off your purchase. Blessings, Rick Lee James Email: Rick@RickLeeJames.com Blessings, Rick Lee James Get the new song - Whatever You Do VINYL SALE THUNDER by Rick Lee James ONLY $9.99. (Plus you get a free digital download of the album) VINYL SALE - “KEEP WATCH, DEAR LORD” BY RICK LEE JAMES

Each year, the Listen Again Awards recognize the episodes our audience continues to return to. Conversations that stay relevant, spark reflection, and offer depth beyond the moment. We're thrilled to honor the 2025 Listen Again Award winners in this special Where Brains Meet Beauty episode. Q1 Power Moves: Excellence in Leadership Episode 277 – Danessa Myricks & Anncy Rowe. A powerful conversation on leadership, vulnerability, and growth. Danessa and Anncy explored what it truly means to lead with intention, create space for honest feedback, and continue evolving. Their openness around fear, empathy, and personal power made this episode unforgettable.Q2 Health Compass: Navigating Wellness Careers Episode 288 – Lisa Rossmann & Bryan Appio. This conversation redefined modern leadership. Lisa and Bryan shared how empathy, clarity, and values-driven decision making shape stronger teams and better brands. A reminder that the most impactful businesses are built from the inside out.Q3 Career Capital: Voices in Beauty Finance Episode 294 – Annie Robertson Hockey & Lauren D'Amore. A thoughtful look at beauty through the lens of investment, loyalty, and long-term value. Annie and Lauren unpacked how careers evolve, how mentorship matters, and why trust and relationships drive sustainable growth across med spas and consumer brands.Q4 Artist & Influencer Insights: Wisdom Behind the Craft Episode 296 – Jess Martinez & Kirti Tewani. An honest conversation about building influence with boundaries, integrity, and intention. Jess and Kirti shared the realities behind virality, the importance of staying grounded, and why authenticity and creative freedom matter for both creators and brands.These episodes reflect the heart of Where Brains Meet Beauty. Real conversations, thoughtful perspectives, and voices shaping the future of the industry. ???? Congratulations to our Listen Again Award Winners, explore excerpts from the winners in episode 301 or in full wherever you listen to podcasts.

Jamie from congratulations discuss the band's formation during the pandemic, their songwriting process, and the influences that shaped their music. Jamie shares insights into their recording and production experiences, the dynamics within the band, and their live performances. The conversation also touches on their merchandising strategies, the themes behind their songs, and their future plans, including the upcoming album release Join Hands! https://open.spotify.com/artist/3Zd0jI43rmogm8qVt2QAdq?si=7q5iM-mGTv6B8uMjTWdVoQ

Congratulations on completing the Patriarchs period! Today, Jeff Cavins joins Fr. Mike to explore the world of Egypt and Exodus. They discuss the common problems we encounter in this period and how to discover the true purpose of God's law. For the complete reading plan, visit ascensionpress.com/bibleinayear. Please note: The Bible contains adult themes that may not be suitable for children - parental discretion is advised.

Tyler and Jimmy continue to catch up and talk about what we have been up to. Jimmy talks about Samantha, and finishing tacking together the 4-link rear suspension. Tyler talks about working on Kermit and the Mule. Then they both close with their adventures during Winter Fun Fest. GPS Speed Sensor: https://amzn.to/4t0DBUORemote Battery Cutoff: https://amzn.to/4bNiejO MORRFlate Giveaway at 900 Reviews on Apple Podcast. But our next giveaway is when we reach 800 reviews; we are giving away an OnX Elite Membership. We will also give away an OnX Elite membership when we get to 850. However, when we reach 900 Reviews, we are teaming up with MORRFlate for a $1000 MF Product Giveaway. Go over to Apple Podcasts to leave your review now and become eligible to win. Congratulations to A13XMONT, who won a set of tires from Yokohama Tire! Call us and leave us a VOICEMAIL!!! We want to hear from you even more!!! You can call and say whatever you like! Ask a question, leave feedback, correct some information about welding, say how much you hate your Jeep, and wish you had a Toyota! We will air them all, live, on the podcast! +01-916-345-4744. If you have any negative feedback, you can call our negative feedback hotline, 408-800-5169. 4Wheel Underground has all the suspension parts you need to take your off-road rig from leaf springs to a performance suspension system. We just ordered our kits for Kermit and Samantha and are looking forward to getting them. The ordering process was quite simple, and after answering the questionnaire, we ensured we got the correct and best-fitting kits for our vehicles. If you want to level up your suspension game, check out 4Wheel Underground. SnailTrail4x4 Podcast is brought to you by all of our peeps over at irate4x4! Make sure to stop by and see all of the great perks you get for supporting SnailTrail4x4! Discount Codes, Monthly Give-Always, Gift Boxes, the SnailTrail4x4 Community, and the ST4x4 Treasure Hunt! Thank you to all of those who support us! We couldn’t do it without you guys (and gals!)! SnailSquad Monthly Giveaway The first giveaway of the year is with our good friends over at Gearwrench. We got some more goodies to give away to a lucky winner. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. Congratulations to Johnny Freky for winning the Vanquish Yokohama edition RC racecar. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. If you’re looking for any amazing RC parts for your scaled crawler, make sure to check out Vanquished Products. Listener Discount Codes: SnailTrail4x4 –SnailTrail15 for 15% off SnailTrail4x4 MerchMORRFlate – snailtraill4x4 to get 10% off MORRFlate Multi Tire Inflation Deflation™ Kits4WheelUnderground – snailtrail 10% offIronman 4×4 – snailtrail20 to get 20% off all Ironman 4×4 branded equipment!Sidetracked Offroad – snailtrail4x4 (lowercase) to get 15% off lights and recovery gearSpartan Rope – snailtrail4x4 to get 10% off sitewideShock Surplus – SNAILTRAIL4x4 to get $25 off any order!Mob Armor – SNAILTRAIL4X4 for 15% offSummerShine Supply – ST4x4 for 10% offBackpacker’s Pantry – Affiliate LinkLaminx Protective Films – Use the Link to get 20% off all products (Affiliate Link) Show Music: Outroll Music – Meizong Kumbang Midroll Music – ComaStudio

This week on the Queer News podcast, Chicago has appointed Antonio King as the city's first Director of LGBTQ+ affairs. In politics, we have updates on the murders committed by ICE in Minneapolis. and. In culture and entertainment, we share the 2026 LGBTQ Sports Hall of Fame inductees, we say goodbye to ballroom legend Boom Balenciaga, and we stand with Karamo as this Queer Eye drama unfolds.    Want to support this podcast?

So many people all over the world are suffering in their mind and emotions, but God has provided a way for us to be emotionally whole. In today's message, Pastor Jeff Ables look to a story in 1 Kings to determine "6 steps to emotional wholeness"Prayed to accept Jesus? Congratulations! Text SAVED to 337-222-3210 or click here https://bit.ly/CC_saved New to Crossroads Church? Learn all about us at https://mycrossroads.org 

The Situation Report for January 23, 2026. President Trump heads to Davos to make the case for purchasing Greenland. Protests continue to rage across Iran. The Supreme Court hears weighs state laws banning transgender women (ie men) from women's sports. And the Trump Administration takes action against sanctuary cities. All this and more from Rep. Crenshaw in just ten minutes.   Developments on Greenland talks   Iranians take to the streets   Supreme Court hears arguments on men in women's sports   President Trump takes action against sanctuary cities and immigrants convicted of fraud   Media Bias Alert: If you didn't watch the Golden Globes, you'll never guess what you missed   The Clintons defy a congressional subpoena   Inflation eases for consumers   Congratulations to the Vance family!   Read of the week: How DEI Caused a Military Recruitment Crisis

Tell us what you think of the show! This Week in Cleantech is a weekly podcast covering the most impactful stories in clean energy and climate featuring Paul Gerke of Factor This and Tigercomm's Mike Casey.This week's episode features special guest Maxine Joselow from the New York Times, who wrote about the EPA's decision to stop assigning a dollar value to lives saved in cost-benefit analyses for major air pollution rules.This week's "Cleantecher of the Week" is funeral director Eric Chamberlain, who helped bring wind power to Rock Port, Missouri, making it one of the first US towns to generate more wind electricity than it used. Nearly two decades later, the wind project is still delivering lasting local benefits through jobs, landowner payments and major county tax revenue. Congratulations, Eric!This Week in Cleantech — January 23, 2026 Supreme Court will not hear Duke Energy's appeal in anti-monopoly case — The Carolina JournalSoaring Electricity Costs Are Now a Hot Political Issue — The Wall Street JournalTrump Is Obsessed With Oil, but Chinese Batteries Will Soon Run the World — The New York TimesSolar Projects Face Turmoil Under Trump, but Big Business Is Still Banking on Them — The Wall Street JournalWhat's a Human Life Worth? The E.P.A. Says Zero Dollars. — The New York TimesWant to make a suggestion for This Week in Cleantech? Nominate the stories that caught your eye each week by emailing Paul.Gerke@clarionevents.com

Congratulations to the young lady who came up with the Dr. Pepper jingle! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today, my homeschooler gets accepted to university—his preferred program for the fall, engineering at the University of Victoria. That sentence should read like pure celebration. And it is. But the truth? This moment arrived carrying far more than simple joy. What Even Are These Feelings? From a woman who transacts in emotions, who holds other women’s emotions, who speaks on emotional regulation every day—I’m not sure what these feelings even are. Elation. Anticipation. Excitement. Pride. Gratefulness. Sadness that this day has finally arrived. He’s my baby. My youngest. My last. All the feels wrapped up in tears and hugs and the quiet ache of knowing that a long season of life is shifting once more. Sometimes the most honest thing we can say isn’t “I feel happy” or “I feel sad.” Sometimes it’s simply: This is a lot. And I’m letting myself feel all of it. This is the work I do with women every day—helping them listen inward, honour what’s real, and trust their emotional experience rather than trying to tidy it up into something more presentable. Today, I’m practicing what I teach. When a Homeschooler Gets Accepted to University Once upon a time, I saw my son play with Legos for a decade. I watched him tinker with small machines. Build furniture. Try to understand why things weren’t working, then unbuild blenders and computers to figure them out. Then learn how to build a computer himself. I watched him understand the strategy behind chess and play—and win—against others decades older than him. Watched him crack the code behind all sorts of games. And I watched him fall in love with physics. From Usborne books when he was seven, to university-level physics and math classes when he was fifteen. When I asked him if the workload of those classes was just too much—because they really are exceptionally a lot—he acknowledged that yes, they are. But he really loves learning these things. The proof? He’s self-motivated. And he keeps trying to capture my raptured fascination with his stories from math and physics classes. Today, that same child was accepted into engineering at the University of Victoria. And in just a few months, he’ll have a hefty ride to class every day for the next five years—because the university is ten hours away. (And of course, he can’t leave home to do that;) The Long Arc of Homeschool Motherhood If I’m honest, there were moments I could have marked a calendar and begun a private countdown to this season—the season where the last child begins to leave. Culturally, we talk about this as a milestone. The “empty nest.” The transition. Or just a rite of passage. But for me, this isn’t about cultural narratives. This is about the truth that I always wanted to be a mother. Not just a mother, but a present one. An engaged one. A mother who chose to build a life that allowed me to be with my children fully—especially through homeschooling. A mother who wanted to savour the days, even the hard ones. Homeschooling has never been easy. It has been meaningful, beautiful, stretching, exhausting, sacred work. There are days when you question everything: Am I doing enough? Am I missing something important? Perhaps I am failing my kids without realising it? Why does this feel so hard when I care so deeply? If you’ve homeschooled—or even deeply parented—you know this interior dialogue well. When Motherhood Becomes More Than Motherhood In my work with homeschool moms, I see another layer often present beneath the surface. Many women I walk alongside did not experience secure, emotionally safe childhoods. They grew up unsure of whether they were truly seen, heard, understood, or emotionally prioritized. Other people’s emotions took up most of the space in their homes. Their own needs were minimized, dismissed, or simply overlooked. Then they become mothers. And suddenly, motherhood becomes not just a role—but a mission. A redemption story. A chance to finally do it differently. To create the childhood they themselves needed. To pour in everything they never received. That depth of investment can be profoundly beautiful. It can also be incredibly heavy. You carry the invisible weight of wanting to get it right. You want your children to feel safe, known, cherished. And of course, you want to protect them from harm. And you want to give them every opportunity. You want to ensure that your love translates into their lifelong well-being. So when people casually suggest, “You should get a hobby for when your kids leave,” it often misses the point entirely. This was never just a phase of life. This was your life. When Your Homeschooler Gets Accepted to University — and Actually Leaves You hear it all along: They grow up so fast. One day they’ll leave. You nod. You know it intellectually. But then the first one leaves. And it’s not theoretical anymore. Then the second. Then the third. And suddenly you find yourself here, watching your homeschooler get accepted to university and prepare to take his next steps away from home. All those years of homeschooling, of conversations, of car rides, of frustration and laughter and connection and doubt and persistence—they weren’t wasted. They were forming something. All those years of allowing him to follow his curiosity—from Legos to blenders to computers to physics—weren’t indulgent. They were equipping a human being to live his life on purpose. My husband said it beautifully today: Today we celebrate. We celebrate his effort, his capacities, the interests he pursued, the time we gave him to develop them, and the ways we were able to support him to get here. And I would add this: We celebrate with gratitude for the life entrusted to us. For the child we were given. For the journey we were allowed to walk together. Yesterday, We Brought Home a Healthy Baby There is another layer to this story that makes today feel even more sacred. When Zachary was born, he was rushed into the NICU. His colour wasn’t right. Tests were run. We waited, we watched, and we prayed. For several days, uncertainty was ours—until finally the echocardiogram confirmed that nothing was wrong with his heart. Nothing was wrong with his heart. I still hold the weight of that sentence. When he was permitted, my husband held him skin to skin for hours—this tiny, vulnerable, beautiful baby: 22 inches long, 8 pounds 7 ounces of brand-new life. We drove home three days later than expected. But we drove home with our healthy baby. Our fourth child. Our first son. My husband had suggested the name Zachary years before—even before we were engaged. He’d always loved that name. And when we anticipated our fourth child, we hoped we would be able to raise a son. We were given a little boy. And we named him Zachary. “God has remembered.” It feels like yesterday we brought him home. And now—in what feels like the very next day—we are planning to drive him to university. That same child, now standing over six feet tall, solid and capable, preparing to move ten hours away to study engineering. The name we gave him carries weight I couldn’t have fully understood then. The Truth Beneath the Success Story It would be easy to turn this into a polished success narrative: “Look, homeschooling works. Look at the outcome.” But that’s not the real story. The real story is this: We didn’t homeschool perfectly. I doubted myself often. We adjusted constantly and made mistakes. We learned alongside our kids. However, we learned to prioritize connection over performance. Also, we allowed space for interests to emerge rather than forcing rigid paths. We let him play with Legos for a decade—even when well-meaning voices suggested it was time to move on to “more serious” pursuits. And we let him take apart blenders and computers—even when it meant occasionally having broken appliances scattered across the dining room table. We supported him taking university-level courses at fifteen—even when the workload seemed overwhelming—because he loved it. Because he kept coming home eager to share what he’d learned. And somehow, through all of that imperfect, earnest, committed living—we arrived here. Not with children who followed identical paths, but with young adults who know themselves, who can think critically, who are willing to take responsibility for their lives. That matters more to me than any transcript ever could. For the Mom Who Is Still in the Thick of It If you’re reading this while surrounded by math worksheets, sibling tension, unfinished laundry, and self-doubt, I want you to hear this gently: You are not failing because this is hard, and you are not doing it wrong because you feel overwhelmed, and you are not behind because your journey looks different. The work you’re doing is slow, invisible, relational work. It doesn’t produce instant metrics. It shapes hearts, minds, resilience, identity, and belonging—over time. When your child spends hours on something that seems frivolous—Legos, Minecraft, taking things apart—you’re not wasting their education. You may be nurturing the very curiosity that will one day lead them to their calling. When they want to dive deep into subjects that feel advanced or “too much”—and you worry about the workload—trust their intrinsic motivation. If they love it, if they’re self-driven, you’re witnessing passion, not pressure. And one day, often much faster than you expect, you may find yourself watching your homeschooler get accepted to university, looking back in awe at the human beings who emerged from your care. You may feel joy, and grief, and pride. You may feel disoriented. And you may feel everything all at once. That would be normal. Why I Continue This Work This is why I continue to walk alongside homeschool moms. Not because I believe homeschooling is a panacea — it’s not. Home education can not promise you flawless outcomes. But because I believe in supporting women as whole humans while they raise whole humans. Because motherhood deserves more than survival mode. Homeschool families deserve emotional support, not just academic strategy. Because women deserve space to explore their identity beyond holding their homes, their families, their worlds together — that invisible load of motherhood. And because sometimes, the greatest evidence that your work mattered isn’t found in awards or accolades—but in the momentous realization that your child is ready to live their own life. Even if that life is ten hours away. Today, I celebrate Zachary. And I honour every mother who has poured herself into the sacred, exhausting, beautiful work of raising humans who will one day leave. And when they tell you that they are going to grow up, when they tell you they want to apply to university, say the words that only you will know are exactly the right words for that moment: just say NO. (Oh, I mean, celebrate with them, celebrate yourself too, all that you’ve done!) Congratulations, Zach. We are so very proud of you. You Might Also Want to Read about the High School Transition: If you’re navigating the high school years with your homeschooler—or approaching them with a mixture of anticipation and uncertainty—you don’t have to figure it all out alone. Homeschool Teens Perspective: How to Homeschool High School What It's Like: Homeschool to High School Transition How to unschool high school. Navigate Homeschool High School: What You Need to Know what kids need to know before they homeschool high school Human Development for Homeschool Moms: Realistic High School Expectations how I transitioned from homeschool to public high school What are the benefits of a homeschool high school? a Letter to My Homeschool High School Daughter How to Create a Personalized Homeschool High School (That Actually Fits Your Teen) A 2023 High School Graduate's Thoughts on her Homeschool Life What It's Like: The Homeschool to High School Transition Mindset Shifts for Homeschool Moms: Thriving Through the High School Years Fun with your Homeschool High Schoolers Teaching Literary Devices via Pop Culture Let's Chat with Vicki Tillman of Homeschool High School Podcast Why Homeschool High School is Better with Mary Hanna Wilson The Mindset Shifts for Homeschool Moms Thriving Through the High School Years Workbook is designed to help you move from overwhelm to clarity. It walks you through the internal shifts that make these years meaningful rather than just manageable, helping you release perfectionism, trust your approach, and stay connected to your teen even as they grow more independent. This isn’t about getting homeschooling “right”—it’s about supporting you as a whole person while you guide your teen through these transformative years. Mindset Shifts for Homeschool Moms: Thriving Through the High School Years Confidently Homeschool Through the High School Years $12.99 Original price was: $12.99.$10.99Current price is: $10.99. Shop now You Might Also Want to Read about the Homeschool Mom Transition: Mindset Shifts for Homeschool Moms: Thriving Through the High School Years Why You Need to Invest in You Homeschool Mom Exploring Your Identity with Pat Fenner How Elizabeth Gilbert infuses our Homeschools with Big Magic Grow Yourself Up: A Guide for Homeschool Mom Personal Growth Rediscover Yourself Beyond Homeschool Mom Guidebook Reclaim You: Rediscover Life Beyond the Homeschool Mom Role Developing YOU Beyond the Homeschool Mama Role Not Just a Homeschool Mom — Why You're Disappearing (And How to Come Back) my identity as a home educator 8 Useful Things I do to Develop my Homeschool Mom Identity How to Build a Business While Homeschooling: A Realistic 5-Step Guide for Moms She Wants More, But Feels Guilty: Rediscovering Your Identity as a Homeschool Mom You're Not Failing—You're Just Carrying Too Much | Overcome Homeschool Burnout Coaching Tips for Homeschool Moms: 4 Powerful Mindset Shifts You Need Right Now And if you’re sensing that a shift is coming—or already here—as your children grow older and your role as homeschool mom begins to evolve, the Rediscover Yourself Beyond Homeschool Mom Guidebook offers gentle, practical support for this tender transition. This isn’t about replacing one identity with another or scrambling to fill your time with hobbies. It’s about honouring the depth of what you’ve poured into motherhood while creating space to reconnect with yourself—your interests, your desires, your sense of purpose beyond the daily rhythms of homeschooling. You’ve spent years nurturing others. This guidebook helps you extend that same care and attention to yourself as you step into this next season. Rediscover Yourself Beyond Homeschool Mom Guidebook NURTURING YOU: A Digital Workbook for Homeschool Moms | Instant Download Rediscover yourself beyond homeschooling with this 14-page guide. Packed with exercises for creativity, self-awareness, and personal growth — perfect for busy moms looking for balance and “me time.” $13.99 Original price was: $13.99.$12.99Current price is: $12.99. Shop now Ready to Determine Your Next Steps? If you’re ready for personalized support as you navigate life after your homeschoolers graduate, I’d love to walk alongside you. As the Homeschool Life Coach, I work with women who are standing at this threshold—celebrating their children’s readiness while also feeling the weight of what comes next. Together, we’ll explore what this transition means for you, clarify what you want moving forward, and create a path that honors both who you’ve been and who you’re becoming. You don’t have to have it all figured out. You just need to take the next step. Let’s determine your next steps together. Book your free Aligned Homeschool Reset Session I help homeschool moms trust themselves, edit expectations, and make intentional choices that create a more confident, connected, and present homeschool life. Book your Reset Session with Teresa Latest episodes you might also enjoy: Facebook Instagram Pinterest Linkedin YouTube Latest episodes you might also enjoy: The Real Reason You’re Overwhelmed (It’s Not the Curriculum) January 26, 2026 Unexpected Feelings When Your Homeschooler Gets Accepted to University January 22, 2026 How to Stop Being a Hostage to Homeschool Pressure (& What to Do Instead) January 19, 2026 The Truth About Finding Your Homeschool Rhythm January 13, 2026 The Confident Homeschool Mom Podcast: Introducing the 1% Pivot January 6, 2026 Purpose-Driven Homeschool Planning for 2026: How to Recalibrate the Year with Clarity December 23, 2025 1% Shift to a Calm Homeschool Life December 23, 2025 12 Things I've Learned About Homeschool Moms: Self-Care Tips for Overwhelmed Homeschool Moms December 10, 2025 12-Day Homeschool Mom Self-Care Challenge to Come Back to Yourself December 2, 2025 What is the Reimagine Your Homeschool Group Coaching? 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To Feel Confident, Certain & Good Enough October 7, 2025 The Ultimate Guide to Building Boundaries and Healthy Relationships for Homeschool Moms September 23, 2025 Ultimate Homeschool Overwhelm Quiz That Reveals Your Hidden Stress Triggers in 5 Minutes September 15, 2025 Start Homeschooling in British Columbia: How to Decide September 9, 2025 How to Create an Effective Homeschool Routine that Works for You September 2, 2025 Interest-Led Homeschool for Confident Moms: An Enneagram 8 Mom's Story of Growth August 28, 2025 How Do I Unschool My Child? 5 Simple Steps to Spark Natural Learning August 19, 2025 9 Mistakes That Make Your 1st Homeschool Year Stressful (& How to Avoid Them) August 13, 2025 Top Tips for New Homeschool Moms in Season 3 August 11, 2025 5 Challenges Working Homeschool Moms Face—And How to Overcome Them August 5, 2025 How to Manage Overstimulation as a Homeschool Mom July 30, 2025 Reclaim You: Rediscover Life Beyond the Homeschool Mom Role July 22, 2025 A Summer Reset for Homeschool Moms: The Secret to a More Peaceful Year Ahead July 15, 2025 How to Help Reluctant Writers: Julie Bogart on Homeschool Writing July 7, 2025 7 Ways Brené Rescued Me from One of those Homeschool Days June 30, 2025 Morning Affirmations for Homeschool Mama: A Simple Practice for You to Parent with Intention June 24, 2025 5 Overlooked Mistakes That Are Stressing You Out as a Homeschool Mom (& How to Fix Them) June 18, 2025 The Soul School Way: Books as Mirrors, Windows, and Voices for Homeschool Families June 3, 2025 Sibling Bickering in Homeschool Families: What's Normal & How to Handle It May 27, 2025 Homeschool Mom Boundaries: 6 Truths That Will Set You Free May 20, 2025 How the Mother Wound Affects Homeschool Moms—and How to Break Free May 12, 2025 Homeschool Mom Boundary Issues? 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March 4, 2025 11 Powerful Affirmations Every Homeschool Mom Needs to Hear February 25, 2025 Subscribe to the Homeschool Mama Self-Care podcast YouTube Apple Audible Spotify (function(m,a,i,l,e,r){ m['MailerLiteObject']=e;function f(){ var c={ a:arguments,q:[]};var r=this.push(c);return "number"!=typeof r?r:f.bind(c.q);} f.q=f.q||[];m[e]=m[e]||f.bind(f.q);m[e].q=m[e].q||f.q;r=a.createElement(i); var _=a.getElementsByTagName(i)[0];r.async=1;r.src=l+'?v'+(~~(new Date().getTime()/1000000)); _.parentNode.insertBefore(r,_);})(window, document, 'script', 'https://static.mailerlite.com/js/universal.js', 'ml'); var ml_account = ml('accounts', '1815912', 'p9n9c0c7s5', 'load');

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Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.” See omnystudio.com/listener for privacy information.

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.” See omnystudio.com/listener for privacy information.

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.” See omnystudio.com/listener for privacy information.

After a week of Tyler being sick, he is finally back, and the SnailBoys have a lot to talk about. They started with a very brief overview of the King of the Motos and how that works. Jimmy Tells everone what is up with Clifford and they discuss their KOH plans. MORRFlate Giveaway at 900 Reviews on Apple Podcast. But our next giveaway is when we reach 800 reviews; we are giving away an OnX Elite Membership. We will also give away an OnX Elite membership when we get to 850. However, when we reach 900 Reviews, we are teaming up with MORRFlate for a $1000 MF Product Giveaway. Go over to Apple Podcasts to leave your review now and become eligible to win. Congratulations to A13XMONT, who won a set of tires from Yokohama Tire! Call us and leave us a VOICEMAIL!!! We want to hear from you even more!!! You can call and say whatever you like! Ask a question, leave feedback, correct some information about welding, say how much you hate your Jeep, and wish you had a Toyota! We will air them all, live, on the podcast! +01-916-345-4744. If you have any negative feedback, you can call our negative feedback hotline, 408-800-5169. 4Wheel Underground has all the suspension parts you need to take your off-road rig from leaf springs to a performance suspension system. We just ordered our kits for Kermit and Samantha and are looking forward to getting them. The ordering process was quite simple, and after answering the questionnaire, we ensured we got the correct and best-fitting kits for our vehicles. If you want to level up your suspension game, check out 4Wheel Underground. SnailTrail4x4 Podcast is brought to you by all of our peeps over at irate4x4! Make sure to stop by and see all of the great perks you get for supporting SnailTrail4x4! Discount Codes, Monthly Give-Always, Gift Boxes, the SnailTrail4x4 Community, and the ST4x4 Treasure Hunt! Thank you to all of those who support us! We couldn’t do it without you guys (and gals!)! SnailSquad Monthly Giveaway The first giveaway of the year is with our good friends over at Gearwrench. We got some more goodies to give away to a lucky winner. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. Congratulations to Johnny Freky for winning the Vanquish Yokohama edition RC racecar. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. If you’re looking for any amazing RC parts for your scaled crawler, make sure to check out Vanquished Products. Listener Discount Codes: SnailTrail4x4 –SnailTrail15 for 15% off SnailTrail4x4 MerchMORRFlate – snailtraill4x4 to get 10% off MORRFlate Multi Tire Inflation Deflation™ Kits4WheelUnderground – snailtrail 10% offIronman 4×4 – snailtrail20 to get 20% off all Ironman 4×4 branded equipment!Sidetracked Offroad – snailtrail4x4 (lowercase) to get 15% off lights and recovery gearSpartan Rope – snailtrail4x4 to get 10% off sitewideShock Surplus – SNAILTRAIL4x4 to get $25 off any order!Mob Armor – SNAILTRAIL4X4 for 15% offSummerShine Supply – ST4x4 for 10% offBackpacker’s Pantry – Affiliate LinkLaminx Protective Films – Use the Link to get 20% off all products (Affiliate Link) Show Music: Outroll Music – Meizong Kumbang Midroll Music – ComaStudio

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.” See omnystudio.com/listener for privacy information.

A joyful episode that probably should have been three episodes, but I was so happy, I was carried along in the flow until the words ran out.

Congratulations to Dr. Brendan Holly from Boulder City High School for being our January Teacher of the Month Dr. Holly will receive a $150 Visa gift card courtesy of Findlay Chevrolet, an additional $150 Visa gift card courtesy of Silver State Schools Credit Union PLUS a personalized Mercedes in the Morning Teacher of the Month plaque from H&J Trophies!

Pediatric neuropalliative medicine is an emerging area of subspecialty practice that emphasizes the human experience elements of serious neurologic illness. Child neurologists care daily for patients who can benefit from the communication strategies and management practices central to pediatric neuropalliative medicine, whether at the primary or subspecialty level. In this episode, Gordon Smith, MD, FAAN, speaks with Lauren Treat, MD, author of the article "Neuropalliative Medicine in Pediatric Neurology" in the Continuum® December 2025 Neuropalliative Care issue. Dr. Smith is a Continuum® Audio interviewer and a professor and chair of neurology at Kenneth and Dianne Wright Distinguished Chair in Clinical and Translational Research at Virginia Commonwealth University in Richmond, Virginia. Dr. Treat is an associate professor in the divisions of child neurology and palliative medicine at the University of Colorado School of Medicine in Aurora, Colorado. Additional Resources Read the article: Neuropalliative Medicine in Pediatric Neurology Subscribe to Continuum®: shop.lww.com/Continuum Earn CME (available only to AAN members): continpub.com/AudioCME Continuum® Aloud (verbatim audio-book style recordings of articles available only to Continuum® subscribers): continpub.com/Aloud More about the American Academy of Neurology: aan.com Social Media facebook.com/continuumcme @ContinuumAAN Host: @gordonsmithMD Full episode transcript available here Dr Jones: This is Dr Lyell Jones, Editor-in-Chief of Continuum. Thank you for listening to Continuum Audio. Be sure to visit the links in the episode notes for information about earning CME, subscribing to the journal, and exclusive access to interviews not featured on the podcast. Dr Smith: This is Gordon Smith. Today I've got the great pleasure of interviewing my good friend Dr Lauren Treat about her article on neuropalliative medicine in pediatric neurology practice. This article appears in the December 2025 Continuum issue on neuropalliative care. Lauren, welcome to the Continuum podcast, and maybe you can introduce yourself to our listeners. Dr Treat: Such a delight to be here, Gordon. Thank you. I am a pediatric neurologist and palliative medicine doctor at the University of Colorado, Children's Hospital Colorado, and I am practicing in both areas. I do general child neurology, and I also run a pediatric neuropalliative medicine clinic. So, I'm happy to be here to talk about it. Dr Smith: And, truth in advertising, I tried very hard to get Dr Treat to move to VC to work with me. And I haven't given up yet. I'm looking forward to the conversation. And Lauren, I wonder- one, I'm really excited about this issue, by the way. This is the second podcast I've done. And I'd like to ask the same question I asked of David Oliver, who's amazing. What a great article and conversation we had. And that question is, can you define palliative care? I think a lot of people think of it as, like, end-of-life care or things like that. And is the definition a little different in the pediatric space than it is in the adult space? Dr Treat: Such a great place to start, Gordon. I absolutely think that there are nuances that are very important in pediatrics. And we especially acknowledge in pediatrics that there is a very longitudinal component of this. And even moreso, I think, then in adult neuropalliative medicine, in pediatrics, we are seeing people=even prenatally or early in their first hours and days of life, and walking with them on a journey that might last days or weeks, but might last years or decades. And so, there is this sense that we are going to come alongside them and be part of the ups and the downs. So yes, neuropalliative medicine is a kind of medicine that is a very natural partner to where neurology is in its current field. We're doing a lot of exciting things with modifying diseases, diagnosing things early, and we have a very high reliance on the things that we can measure in medicine. And not all things can be measured that are worthwhile about one's quality of life. A family very poignantly told me very recently, making sure someone stays alive is different from making sure they have a life. And that's what neuropalliative medicine is about. Dr Smith: Well, great summary, and I definitely want to follow up on several aspects of that, but there's one point I was really curious about as I've been thinking about this, you know, these are really exciting times and neurology in general and in child neurology in particular. And we've got all of these exciting new therapies. And as you know, I'm a neuromuscular person, so it's hard not to think back on SMA and not be super excited. And so, I wonder about the impact of these positive developments on the practice of neuropalliative care in kids. You know, I'm just thinking, you know, you mentioned it's a journey with ups and downs. And I wonder, the complexity of that must be really interesting. And I bet your job looks different now than it did seven or eight years ago. Dr Treat: That's absolutely true. I will self-reference here one of the figures in the paper. Figure 2 in my section is about those trajectories, about how these journeys can have lots of ups and downs and whether this person had a normal health status to begin with or whether they started out life with a lot of challenges. Those ups and downs inherently involve a lot of uncertainty. And that's where palliative medicine shines. Not because we have the answer---everyone would love for us to have the answer---but because we consider ourselves uncertainty specialists in the way that we have to figure out what do we know, what can we ground ourselves in, and how can we continue to move forward even if we don't have all the answers? That is a particular aspect of neurology that is incredibly challenging for families and clinicians, and it can't stand as a barrier to moving forward and trying to figure out what's best for this child, what's best for this family. What do we know to be true about them as people, and how can we integrate that with all of the quantitative measures that we know and love in neurology? Dr Smith: So, I love the comment about prognostication, and this really ties into positive uncertainty or negative undercertainty in terms of therapeutic development. I wonder if you can talk a little bit about your approach to prognostication, particularly in a highly fluid situation. And are there pearls and pitfalls that our listeners should consider when they're discussing prognosis for children, particularly maybe young children who have severe neurological problems? Dr Treat: It's such a pivotal issue, a central issue, to child neurology practice. Again, because we are often meeting people very, very early on in their journey---earlier than we ever have before, sometimes, because of this opportunity to have a diagnosis, you know, prenatally or genetically or whatever else it is---sometimes we are seeing the very early signs of something as compared to previously where we wouldn't have a diagnosis until something was in its more kind of full-blown state. This idea of having a spectrum and giving people the range of possible outcomes is absolutely still what we need to do. However, we need to add on another skill on top of that in helping people anchor into what feels like the most likely situation and what the milestones are going to be in the near future, about how we're going to walk this journey and what we'll be on the lookout for that will help us branch into those different areas of the map down the road. Dr Smith: So, I wonder if we can go back to the framework you mentioned, two answers ago, I think? You and the article, you know, provide four different types of situations kind of based on temporal progression. I wonder if maybe the best way of approaching is to give an example and how that impacts your thoughts of how you manage a particular situation. Dr Treat: Absolutely. So, this figure in particular is helpful in multiple ways. One is to just give a visual of what these disease trajectories are doing, because we're doing that when and we take a history from a patient. But actually, to put it into an external visual for yourself, for your team, but also perhaps for the family can be really powerful. It helps you contextualize the episode of care in which you're meeting the family right now. And it also helps, sometimes, provide some sense of alignment or point out some discrepancies about how you're viewing that child's health and quality of life as compared to how the family might be viewing it. And so, if you say, you know, it sounds like during those five years before we met, you were up here, and now we find ourselves down here, and we're kind of in the middle of the range of where I've seen this person's health status be. Do I have that right? Families feel really seen when you do that and when you can get it accurately. And it also invites a dialogue between the two parties to be able to say, well, maybe I would adjust this. I think we had good health or good quality of life in this season. But you're right, it's getting harder. It's kind of that "show, don't tell" approach of bringing together all the facts to put together the relative position of where we are now in the context of everything they've been through. Dr Smith: You know, I wonder if you could talk a little bit more about the differences between palliative care and adult patients and in children? Dr Treat: Absolutely. One of the key features in pediatrics is this kind of overriding sense of an out-of-order event in the family's life. Children are not supposed to have illness. Children are not supposed to have disability. Children are not supposed to die before their parents. And that layer of tragedy is incredibly heavy and pervasive. It's not every encounter that you have in child neurology, but it does kind of permeate some of the conversations that neurologists have with their patients, especially patients who have serious neurological disease. So that could be things like epileptic encephalopathies, birth injuries, other traumatic brain injuries down the line. In the paper, I'd go through many different categories of the types of conditions that are eligible for pediatric neuropalliative medicine, that kind of support. When we think about that layer of tragedy in the relation to where we're meeting these families, they deserve extra support, not just to think about the medicines and the treatments, but also, what can we hope for? How can we give this child the best possible life in whatever circumstance that they're in? How can we show up in whatever medical decision-making circumstances present themselves to us and feel like we've done right by this child? It's a complex task, and pediatric neural palliative medicine is evolving to be able to be in those spaces with families in a very meaningful way. Dr Smith: So, of course, one of the differences is the, you know, very important role of parents in the situation, right? Obviously, parents are involved in adult palliative care issues and family is very important. But I wonder if you can talk about specific considerations given the parent-child relationship? Dr Treat: So, pediatric neuropalliative medicine really helps facilitate discussions not just about, again, those things that we have data on, but also about what is meaningful and foundational for those families. What's possible at home, what's possible in the community. In pediatrics, parents are making decisions on behalf of their child, often as a dyad, and I don't think this gets enough attention. We know from adult literature that making decisions on behalf of someone else is different from making decisions on behalf of oneself. We call this proxy decision-making. And proxies are more likely to be conservative on behalf of someone else than they are on behalf of themselves, and they're also more likely to overestimate the tolerability of a medical intervention. So, they might say, I wouldn't want this, or, I wouldn't accept this risk on behalf of myself, or, I don't think I'd want to have to persevere through something, but on behalf of this other person, I think they can do it or I will help them through it or something else like this, or, I can't accept the risk on behalf of them. So that's not good or bad. That's just different about making a decision on behalf of oneself as compared to making a decision on behalf of someone else. When there's two people trying to be proxies on behalf of a third person, on behalf of a child, that's a really, really complex task, and it deserves support. And so, pediatric neural palliative medicine can function, then, as this neutral space, as this kind of almost coaching opportunity alongside the other medical doctors to give parents an opportunity when their minds are calm---not in the heat of the moment---to talk about how they see their child, how they've shown up themselves, what they've seen go well, what they've struggled with. And how,, then we can feel prepared for future decision making times, future high-stress encounters, about what will be important to ground them in those moments, even though we can't predict fully what those circumstances might be. Dr Smith: It sounds, you know, from talking to you and having read the article, that these sorts of issues evolve over time, right? And you have commented on this already from your very first answer. And you do describe a framework for how parents think---their mental model, I guess---of, you know, a child with a serious illness. And this sounds like appreciation of that's really important in providing care. Maybe you can talk us through that topic? Dr Treat: I refer to this concept of prognostic awareness in all of the conversations that we have with families. So, what I mean by prognostic awareness is the degree of insight that an individual has about what's currently happening with their child and what may happen in the future regarding the disease and/or the complications. And when we meet people early on in their journey, often their prognostic awareness, that sense of insight about what's going on, can be limited because it requires lived experience to build. Oftentimes time is a factor in that, we gain more lived experience over time, but it's not just time that goes into building that. It's often having a child who has a complication. Sometimes it's experiencing a hospitalization. That transfer from a cognitive understanding of what's going on, from a lived experience about what's going on, really amplifies that prognostic awareness, and it changes season by season in terms of what that family is going through and what they're willing to tolerate. Dr Smith: You introduced a new term for me, which is hyper-capableism. Can you talk about that? I found that really interesting and, you know, it reminds me a lot of the epiphanies that we've had about coma and coma prognosis. So, what's hyper-capableism? Dr Treat: Yes. In neurology, we have to be very aware of our views on ableism, on understanding how we prognosticate in relation to what we value about our abilities. And hyper-capableism refers to someone who feels very competent both cognitively and from a motor standpoint and fosters that sense of value around those two aspects to a high degree. I'm referencing that in the article with regard to medicine, because medicine, the rigors of training, the rigors of practice, require that someone has mental and motor fortitude. That neurology practice and medical practice in general can breed this attitude around the value of skills in both of those areas. And we have to be careful in order to give our patients and families the best care, to not overly project our values and our sense of what's good and bad in the world regarding ableism. Impairments can look different in different social contexts. And when the social context doesn't support an impairment, that's where people struggle. That's where people have stigma. And I think there's a lot of work that we can do in society at large to help improve accommodations for impairment so that we have less ableism in society. Dr Smith: Another term that I found really interesting kind of going back to parents is the "good parent identity." Maybe you can talk about that? Dr Treat: Good parent identity, good parent narrative, is something that is inherent to the journey when you're trying to take care of and make decisions on behalf of a child. And whether you're in a medical context or outside of a medical context, all parents have this either explicit or implicit sense of themselves about what it means to do right by their child. This comes up very poignantly in complex medical conditions because there are so many narratives about what parents ought to do on behalf of their child, and some of those roles can be in tension with one another. It's a whole lot of verbs that often fall under that identity. It's about being able to love and support and take good care of and make good decisions on behalf of someone. But it's also about protecting them from harm and treating their pain and being able to respond to them and know their cues and know these details about them. And you can't, sometimes, do multiple of those things at once. You can't give them as much safety and health as possible and also protect them from pain and suffering when they have a serious illness, when they need care in the hospital that might require a treatment that might be invasive or burdensome to them. And so, trying to be a good parent in the face of not being able to fulfill all those different verbs or ideas about what a good parent might do is a big task. And it can help to make it an explicit part of the conversation about what that family feels like their good parent roles might be in a particular situation. Dr Smith: I want to shift a little bit, Lauren, that's a really great answer. And just, you know, listening to you, your language and your tongue is incredibly positive, which is exciting. But, you know, you have talked about up and downs, and I wanted you to comment on a quote. I actually wrote it down, I'm going to read it to you, because you mentioned this early on in your article: "the heavy emotional and psychological impacts of bearing witness to suffering as a child neurologist." I think all of us, no matter how excited we are about all the therapeutic development, see patients who are suffering. And it's hard when it's a child and you're seeing a family. I wonder if you could talk a little bit about that comment and how you balance that. You're clearly- you're energized in your career, but you do have to bear witness to suffering. Dr Treat: You're right. Child neurologists do incredible work, it's an incredible, exciting field, and there are a lot of challenges that we see people face. And we see it impacts their lives in really intense ways over the course of time. We bear witness to marriages that fall apart. We bear witness to families that lose jobs or have to transition big pieces of their identity in order to care for their children. And that impacts us. And we hold the collective weight of the things that we are trying to improve but sometimes feel less efficacious than we hoped that we could around some of these aspects of people's lives. And so, pediatric neuropalliative medicine is also about supporting colleagues and being able to talk to colleagues about how the care of the patients and the really real effort that we exert on their behalf and the caring that we have in our hearts for them, how that matters. Even if the outcome doesn't change, it's something that matters for our work and for our connections with these families. It's really important. Dr Smith: I wonder, maybe we can end by learning a little bit about your journey? And maybe this is your opportunity to- I know we have students and residents who listen to us, and junior faculty. I think neuropalliative care is obviously an important issue. There's a whole Continuum issue on it---no pun intended---but what was your journey, and maybe what's your pitch? Dr Treat: I'm just going to give a little bit of a snippet from a poem by Andrea Gibson, who's a poet, that I think speaks really clearly to this. They say a difficult life is not less worth living than a gentle one. Joy is simply easier to carry than sorrow. I think that sums these things up really well, that we find a lot of meaning in the work that we do. And it's not that it's easier or harder, it's just that these things all matter. I'm going to speak now, Gordon, to your question about how I got to my journey. When I went into pediatrics and then neuro in my training, I have always loved the brain. It's always been so crucial to what I wanted to do and how I wanted to be in the world. And when I was in my training, I saw that a lot of the really impactful conversations that we were having felt like we left something out. It felt like we couldn't talk about some of the anticipated struggles that we would anticipate on a human level. We could talk about the rate and the volume of the G tube, but we couldn't talk about how this was going to impact a mother's sense of being able to nourish and bond and care for their child because we didn't have answers for those things. And as I went on in my journey, I realized that even if we don't have answers, it's still important for us to acknowledge those things and talk about them and be there for our patients in those conversations. Dr Smith: Well, Lauren, what a great way to end, and what a wonderful conversation, and what a great article. Congratulations and thank you. Dr Treat: Thank you, Gordon. It was a pleasure to be here. Dr Smith: Again today, I've been interviewing Dr Lauren Treat about her really great article on neuropalliative medicine in pediatric neurology practice. This article appears in the December 2025 Continuum issue on neuropalliative care. Be sure to check out Continuum Audio episodes from this issue and other issues. And thanks again to you, our listeners, for joining us today. Dr Monteith: This is Dr Teshamae Monteith, associate editor of Continuum Audio. If you've enjoyed this episode, you'll love the journal, which is full of in-depth and clinically relevant information important for neurology practitioners. Use the link in the episode notes to learn more and subscribe. AAN members, you can get CME for listening to this interview by completing the evaluation at continpub.com/audioCME. Thank you for listening to Continuum Audio.

Congratulations to the Indiana Hoosiers on winning the 2025-26 National Championship! It was an amazing college football season and an incredible turnaround for the Hoosiers! I break it all down today on another episode of The Master Plan!

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Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Russell Gray  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre. Or or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

Episode 1007-Congratulations John Mayo, The Beauty, Marvels Monthly Attempt, Absolute Domination,   + Sneak Peek at Next Week w/Kyle & DrewSAVE NOW #0 (W) Matt Kindt (A) Juan Jose Ryp, Kano (CA) Stephen SegoviaTRANSFORMERS #22 (W) Daniel Warren Johnson (A) Jorge Corona, Mike Spicer (CA) Daniel Warren Johnson, Mike SpicerSongs by Drew - Ballad of John Mayo & Comic Book PageLike & Subscribe on Youtube www.youtube.com/@comicsforfunandprofit5331Patreon https://www.patreon.com/comicsfunprofit  Merch https://comicsfunprofit.threadless.comYour Support Keeps Our Show Going On Our Way to a Thousand EpisodesDonate Here https://bit.ly/36s7YeLAll the C4FaP links you could ever need  https://beacons.ai/comicsfunprofit Listen To the Episode Here: https://comcsforfunandprofit.podomatic.com/

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Tyler is MIA, being sick for the first time this year. Jimmy did a full takeover of the podcast, telling everyone about his last week. It was a busy week, from a union meeting, lion king, working on Samantha, and of course he needs to talk about his 15k completion of the Hot Chocolate Run. He also got the Mini Assistant to talk about her adventure in the 5k MORRFlate Giveaway at 900 Reviews on Apple Podcast. But our next giveaway is when we reach 800 reviews; we are giving away an OnX Elite Membership. We will also give away an OnX Elite membership when we get to 850. However, when we reach 900 Reviews, we are teaming up with MORRFlate for a $1000 MF Product Giveaway. Go over to Apple Podcasts to leave your review now and become eligible to win. Congratulations to A13XMONT, who won a set of tires from Yokohama Tire! Call us and leave us a VOICEMAIL!!! We want to hear from you even more!!! You can call and say whatever you like! Ask a question, leave feedback, correct some information about welding, say how much you hate your Jeep, and wish you had a Toyota! We will air them all, live, on the podcast! +01-916-345-4744. If you have any negative feedback, you can call our negative feedback hotline, 408-800-5169. 4Wheel Underground has all the suspension parts you need to take your off-road rig from leaf springs to a performance suspension system. We just ordered our kits for Kermit and Samantha and are looking forward to getting them. The ordering process was quite simple, and after answering the questionnaire, we ensured we got the correct and best-fitting kits for our vehicles. If you want to level up your suspension game, check out 4Wheel Underground. SnailTrail4x4 Podcast is brought to you by all of our peeps over at irate4x4! Make sure to stop by and see all of the great perks you get for supporting SnailTrail4x4! Discount Codes, Monthly Give-Always, Gift Boxes, the SnailTrail4x4 Community, and the ST4x4 Treasure Hunt! Thank you to all of those who support us! We couldn’t do it without you guys (and gals!)! SnailSquad Monthly Giveaway The first giveaway of the year is with our good friends over at Gearwrench. We got some more goodies to give away to a lucky winner. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. Congratulations to Johnny Freky for winning the Vanquish Yokohama edition RC racecar. If you want a chance to win this amazing giveaway, all you need to do is sign up for the Giveaway Tier on Irate4x4. If you’re looking for any amazing RC parts for your scaled crawler, make sure to check out Vanquished Products. Listener Discount Codes: SnailTrail4x4 –SnailTrail15 for 15% off SnailTrail4x4 MerchMORRFlate – snailtraill4x4 to get 10% off MORRFlate Multi Tire Inflation Deflation™ Kits4WheelUnderground – snailtrail 10% offIronman 4×4 – snailtrail20 to get 20% off all Ironman 4×4 branded equipment!Sidetracked Offroad – snailtrail4x4 (lowercase) to get 15% off lights and recovery gearSpartan Rope – snailtrail4x4 to get 10% off sitewideShock Surplus – SNAILTRAIL4x4 to get $25 off any order!Mob Armor – SNAILTRAIL4X4 for 15% offSummerShine Supply – ST4x4 for 10% offBackpacker’s Pantry – Affiliate LinkLaminx Protective Films – Use the Link to get 20% off all products (Affiliate Link) Show Music: Outroll Music – Meizong Kumbang Midroll Music – ComaStudio

Happy New Year!!! We are back to discuss everything that has been going down, including The Golden Globes, His & Hers, Night Patrol, and how to get through these trying times! Plus much more in this fantastic action packed episode!!!! Thank you for being here!!! We love you and miss you!!!! Thank you for watching!!!FOLLOW ON SOCIAL: Twitter.Com/ForAllNerds Instagram.Com/ForAllNerds Twitch.TV/ForAllNerds GET YOUR FORALLNERDS MERCH HERE: Forallnerds.com PATREON: Patreon.com/ForAllNerdsBecome a supporter of this podcast: https://www.spreaker.com/podcast/for-all-nerds-show--5649266/support.FOLLOW ON SOCIAL: Twitter.Com/ForAllNerds Instagram.Com/ForAllNerds Twitch.TV/ForAllNerds GET YOUR FORALLNERDS MERCH HERE: Forallnerds.com PATREON: Patreon.com/ForAllNerdsFor All Nerds Show is a member of the LoudSpeakers Network (https://soundcloud.com/loudspeakersnetwork) and is published every week on Spotify, Apple Podcasts, Soundcloud, Stitcher, Google Play Music, and iHeartRadio. Visit http://ForAllNerds.Com for more greatness. Email us at: contact at forallnerds dot com

Congratulations to actor-writer-comedian Joel Kim Booster, who got married last month to his partner John. You might know Joel as the writer and star of the movie Fire Island, or as a voice actor in KPop Demon Hunters, or from shows like Big Mouth, Search Party, and Loot. But before all that, Joel was a guest on The Sewers of Paris, way back in 2017, when we talked about his childhood, his coming out, and a period when he was homeless. To celebrate his wedding, we're taking a trip back to that conversation for this week's episode.And by the way, if you'd like to see Joel live, he has a shows coming up in San Francisco, part of SF Sketchfest: https://sfsketchfest.com/2026-lineup/

This recap episode reflects on the soulful conversation with tarot reader and spiritual mentor Frances Naudé, unpacking why tarot is best understood as a self-reflection tool. Brad and Lesley explore how intuition is often quiet, subtle, and easy to overlook, and how tarot can act as a structured way to pause, journal, and build self-trust. This grounded discussion invites listeners to see intuition as a daily practice—one that supports clearer decisions and more aligned action over time.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Tarot as guided self-reflection rather than fortune telling.How intuition shows up quietly and builds through daily repetition.Using tarot cards as structured prompts for journaling and self-awareness.How tarot shifted from a self-reflection tool to feared over time.Training intuitive trust through small, low-stakes daily decisions.Episode References/Links:Cambodia Retreat Waitlist - https://crowsnestretreats.comAgency Mini - https://prfit.biz/miniContrology Pilates Conference in Poland - https://xxll.co/polandContrology Pilates Conference in Brussels - https://xxll.co/brusselsPilates on Tour in London - https://xxll.co/potSubmit your wins or questions - https://beitpod.com/questions Online Pilates Classes - https://onlinepilatesclasses.com/youtubeFrances Naude's Website - https://www.francesnaude.comFrances Naude's YouTube - https://www.youtube.com/@francesnaudeFree Intro to Tarot Online Course - https://beitpod.com/intrototarotEpisode 157: Kate Wind - https://beitpod.com/bitysiep157 If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  There's another way to figure out what's going on inside you, and tarot doesn't actually tell you anything new. It echoes what you already know and maybe what you're ignoring. When you draw a card in tarot, the card has some sort of meaning. Lesley Logan 0:18  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Brad Crowell 1:02  Take it away. Lesley Logan 1:02  Welcome back to the Be It Till You See It interview recap where my co-host in life are going to dig into the soulful, soulful, soulful. Brad Crowell 1:10  The soulful.Lesley Logan 1:11  The soulful convo I had with Frances Naudé in our last episode. If you haven't yet listened to that interview, feel free to pause this now and go back and listen to that one, and then come back to this. You guys, this is the episode that kicked off my hobby. This is the one.Brad Crowell 1:27  And as a bystander of said hobby, I am going to tell you, Lesley has been incredibly consistent with this hobby for, what, four or five months now? Six months? Lesley Logan 1:38  Well, when I interviewed her. Six months? Brad Crowell 1:40  I don't have any idea. Lesley Logan 1:41  From the time that this, they listen to this, and then the time I interviewed her, I think we're at six months, four months. At any rate, I went full in on it, like the ADHD woman that I am, where you buy all the things my life makes so much sense now that I know that that's part of ADHD. You just buy. Brad Crowell 1:58  July. Lesley Logan 1:58  July, right. Brad Crowell 1:59  July. Lesley Logan 2:00  So, and this is January, yeah. So I bought all the things that one would need to study, a tarot, three different study guides and a app. But unlike all the other things that I have tried out, I have still been using all of the things, yeah. And there's a deck in every room. You can draw a card at any time.Brad Crowell 2:19  And you're, you know, reading about it, writing notes and being consistent, it's been great.Lesley Logan 2:25  I really like it, and so by the time you listen to this, I will have started drawing a card for each day so that I can do self-reflection daily. Yeah. So anyways, there we are. But okay, Brad's like, I know. All right, so they don't know. Brad Crowell 2:40  They do not know what is today.Lesley Logan 2:42  Today is January 15th, 2026, and it's Wikipedia Day. Brad Crowell 2:47  Wikipedia Day. Lesley Logan 2:48  So, and just so you all know, you can start getting ready, because my birthday is coming up. It's not yet, but it's coming up January 15th isn't it? Well, they don't know.Brad Crowell 2:57  Just making sure that everyone else, that has nothing to do with Wikipedia Day, but Lesley is preparing for her birthday.Lesley Logan 3:03  If they're gonna send anything, the time is coming down, because it's 11 days away. Brad Crowell 3:07  If they're gonna send something, send it to Wikipedia instead. Lesley Logan 3:11  No. Brad Crowell 3:12  Yeah. Send money to Wikipedia instead.Lesley Logan 3:14  No. Send money to your local SPCA group, not the major one that does the sad commercials, you're local one, okay, or you can send it up to Nevada's, and in my name, they'll, they already know me. Lesley Logan 3:25  Okay, so January 15th is an occasion that celebrates the birth and formation of Wikipedia, the free online encyclopedia. Almost every single person in the world knows what Wikipedia is. When we search for something, a Wikipedia link is the first thing that pops up on our search engines. Brad Crowell 3:40  More often than not. Lesley Logan 3:41  It is also a popular site since it provides in-depth information and presents everything in a user friendly way. I love Wikipedia because of like, who is that person married to? You can just go right to that part, like, it's like a here's the bullet points. Okay, in-depth information and presents everything in a user friendly way. So without further ado, let's dedicate this day to the information provider that has been feeding us with the knowledge since day one. Happy Wikipedia Day, and surprise, I should have a Wikipedia page now. It's been a multi year journey. I think how I don't know how long Brad has been working on this project to gather all the information and create this page. I'm really excited about it.Brad Crowell 4:17  It's because I wanted to create a Wikipedia page that we hired a press person. Lesley Logan 4:22  Years ago. Brad Crowell 4:23  Years ago. Lesley Logan 4:23  Yeah. And by the way, how long? Like, there's rules, like, not everyone could just have a Wikipedia.Brad Crowell 4:28  Yeah, no, it's, it's not, you can't just write a story and put it up there. Everything has to be validated and, you know, credible and linked to other things. It's, you know. Lesley Logan 4:28  Because, like, you can't just go. Brad Crowell 4:29  It's intentionally factual and historic.Lesley Logan 4:39  Like, Charlie next door just can't go, like, I'm gonna make a Wikipedia page for myself. Brad Crowell 4:47  I mean, he could, but then the moderators would take it down the next day. Lesley Logan 4:50  Right. Brad Crowell 4:51  Yeah. Lesley Logan 4:51  Right. Brad Crowell 4:53  Right. And, I mean, it's also, you know, you can actually go onto Wikipedia and make any change you want to any page on there. Surprise, you can do that. That, but then it will be reviewed and either changed back or corrected or updated or whatever, or again validated. So, you know, the pages that are constantly growing, it's because there's external like verification for the source of this new information that's being added. It's very intentional. And the reality is, we didn't have the links back, the backlinks, to be able to say, well, Lesley did this. Lesley did that, or whatever, whatever, whatever.Lesley Logan 5:31  Because you can't just go, I did these things. They have to go. Where is the proof? Somewhere else that someone else can validate. You know that you did those things. Brad Crowell 5:38  Exactly. Lesley Logan 5:38  Yeah. But I'm now old enough. Brad Crowell 5:39  Congratulations. Lesley Logan 5:39  I'm famous enough, yeah. And if you want to, you know, look, Wikipedia does a thing every December where they want money, because they actually are free for you to use. And they need, they do a money drive every year. So if you want to give them their money, they're a worthy cause, yeah.Brad Crowell 5:52  I mean, I think I give them $3.50 a month through PayPal. Lesley Logan 5:57  Oh, well, that's so fun. Brad Crowell 5:58  I've been doing it for years. Yeah. Because if everybody does every time they do their drive every year, they say, if everyone just gave $3 then we would have all our bills paid for, right? And I was like, well, I can do $3 a month. How about that? Yeah.Lesley Logan 6:12  That's so thoughtful. Anyways, Brad and I are driving back from Palm Springs today. Brad Crowell 6:12  Right now. Lesley Logan 6:12  We were on vacation. Yeah, we went on vacation, and we're driving, and it's beautiful. We're probably picking up more cactuses because there is a cactus shop on the way from Palm Springs. Well, at least the way we go from Palm Springs home. So we'll have to see which cactus where we don't have yet that we want more of. And then, right now, the early bird discount for the retreat that is this year is happening.,Brad Crowell 6:12  Yeah, for Cambodia. Pilates Retreat. Lesley Logan 6:18  So if you've got an email about it. You are one of the few people who got it, and there's way too many of you on the waitlist that we could take on this year's retreat. So you definitely want to snag your spot before they're all gone, before the discount ends. Brad Crowell 6:49  Yeah, and no lie, we've already had people sign up. We had, like, secret invitation to some people, and so some spots were already snagged, and then we're already halfway through the early bird, so definitely, if this has been something that's on your radar, do not wait on this. Lesley Logan 7:06  You want to come. Brad Crowell 7:07  Yeah, go to crowsnestretreats.com for more information. But for those of you who are on the waitlist, check your email.Lesley Logan 7:14  Yeah, and if we are in your spam you need to tell your your spam folder that we are important people.Brad Crowell 7:19  Yeah, hello. We've Wikipedia page. Lesley Logan 7:21  Right. What does it take to get out of the promotions folder? Damn it. Okay.Brad Crowell 7:26  All right. Next month, February. Lesley Logan 7:28  Is Agency Mini, and it is for Pilates instructors and studio owners who work for themselves or want to, and they want their business to actually not just make the impact that they want to make, but also more than pay their bills, to have to align with their values, align with their goals, feel like they're more in charge of it all. And it's just a really beautiful program that we do. It's three days of your life, and it has replay access. And we've made some additional changes to this one from last time. So you're gonna want to go to prfit.biz/mini to sign up for the waitlist, because those on the waitlist will get the early bird. The early bird is coming up pretty close, because if it's happening in February, we always do an early bird a couple weeks out, so you don't want to miss that. After Mini, in March, Brad and I are going to go to Poland and then to Brussels. So there's a Contrology Pilates conference in Poland. xxll .co/poland I'm teaching alongside Karen Frischmann there. It's going to be a whole lot of fun. We've done it a couple years before, and then we're gonna be at the Pilates and Friends or the Vintage and Friends event at Els Studio Pilateles in Brussels xxll.co/brussels there are private and group classes, and then there's also these amazing workshops. Oh, and one of my dear friends who I haven't seen in years, is going to be at the Brussels one as well, so I'm super excited to teach alongside him again. It's been, it's been since, like, we were together at Jay's studio, so awesome. And then in April, Brad, so after that, Brad and I are gonna do a little second honeymoon, why not.Brad Crowell 8:53  Well, to celebrate our 10 years of marriage, that's one.Lesley Logan 8:56  Yeah, well, yeah. But like, why not? Is like, of course you would, yeah. And then we're going to be at the P.O.T. in London. xxll.co/pot will get you the information up at the London stuff. The lineup is amazing. It's our first time doing a P.O.T. in London. So that's really exciting. And that's actually also, by the way, these events are the only events outside our tour that you can hang out with us other than the retreat. That's it. Closing the schedule guys.Brad Crowell 9:23  Whoa, whoa, whoa, all right, before we go any further, we had an audience question, and today's question is from YouTube, from The Alternatives to the Pilates Teaser for Lower Back Issues video, Kelly asks, hey, actually, it's kellynyhan7909. Hi, Kelly. She said, Hey, could you share a class that is using a floor or standing using the floor, slash standing and a chair? Could you share a class? If that's possible. I've gone through the list of mat exercises and created my own ie side twist sitting and saw but I'm wondering if more for an aging population. It, if it would be good for all i also use the standing exercises from another video for the 100, the roll up, one leg, single leg, circle marching, etc. Lesley Logan 9:49  Great. So. Brad Crowell 9:50  You're gonna have to break down this question for me, because I don't actually have an idea what this question actually is.Brad Crowell 10:08  So, the idea, so she definitely asked a question has nothing to do with the video, which we tell people that they can do anytime they want. Brad Crowell 10:21  True. Lesley Logan 10:21  So what you want to look at, Kelly, on the YouTube channel is we actually released a entire long form video about how to do Pilates at work. So there's going to be some great suggestions. You can draw some inspiration from there, if not use them completely. We also have on the YouTube channel a standing workout. There's a whole workout you can do standing. There's a wall workout, a real wall pilates workout. And then over on OPC, Mindy created a really great stretch class using a chair. And you can use she was on a Wunda Chair, but Brad was on a regular chair, and it spliced in there. So I would definitely grab that workshop, or maybe it was a stretch class. It was another legacy tab, and that's what I would do. And the other thing I would just give you permission on is, after you've done all that, that's a lot of movements, right? A lot of exercises. And our bodies actually only do so many different movement directions. And so you don't have to keep getting creative. You actually need they can get more curious and more connected. So I would get all those inspirations together, find out the ones that work best for the population you're working with, and then make them get better at it. And if they if that's not just time that's going to help them, then what other exercises outside of those things would help them? What props, what tools, you can use the Accessories Deck and OPC to help you with that. So yeah, I understood the question. Brad Crowell 10:21  Great, amazing. Lesley Logan 10:21  Probably a good thing, since I'm answering it, go to beitpod.questions to send yours in.Brad Crowell 10:50  Nope, beitpod.com/questions Lesley Logan 10:50  beitpod.com/questions and then submit your questions and maybe send up send a win, too. Something to celebrate. Brad Crowell 10:50  Yeah, send us your wins, y'all. Lesley Logan 11:49  You can also text us at 310-905-5534. Okay. Frances Naudé.Brad Crowell 11:58  Yeah, stick around. We will be right back. Brad Crowell 12:01  Okay, now let's talk about Frances Naudé. Frances Naudé is a Reiki Master, tarot reader and spiritual mentor who helps people reconnect with their intuition and live in alignment with their true selves. She's also the creator of the Four Noble Tarot Deck. Tarot Deck.Lesley Logan 12:19  You can see Tarot. Deena says, tarot. Brad Crowell 12:22  Oh, okay, and offers free tarot readings and energy guidance.Lesley Logan 12:28  Frances might say tarot, but.Brad Crowell 12:31  On YouTube, along with regular insights on Instagram from her global community, for her global community, that she affectionately calls The Soul Fam, guided by her belief that intuition is our greatest tool, Frances teaches others to trust their inner wisdom and lead with joy, courage and authenticity.Lesley Logan 12:50  Oh, my God. I was just so excited. I was like, okay, I have so many questions. Tell me everything.Brad Crowell 12:55  I really enjoyed your one question about the history.Lesley Logan 13:00  Oh, are we gonna talk about that today, or is that not in today?Brad Crowell 13:03  We are gonna. Lesley Logan 13:04  Skip it today? Brad Crowell 13:05  Well, no, it's not, it's not on here, but I thought it was very interesting. So yeah, let's just talk about it. Lesley Logan 13:09  Let me tell you something, because I think there's more to the story. And obviously we had a short period of time, so I asked her where tarot, tarot came from, right? And she's like, like, how controversial we want to be. And I said, I want to know the truth. And so she said the church, the church had it, and then the church. Brad Crowell 13:26  She said it was around before the church, but she said the church basically, adoted it. Lesley Logan 13:30  Well, they appropriated it. That's a better word for what the church does, and they appropriated it. And then, you know, you would go to the church to get support over something you were thinking about contemplating, and then they would help you use it as a self-reflection tool. Because the printing press wasn't big, and only rich people could have tarot decks painted for them, right?Brad Crowell 13:50  Right. So can you just say that one sentence? They would help you, using the tarot, tarot cards as a self-reflection tool. They would use tarot cards as a self-reflection tool. Lesley Logan 14:04  Yeah, well, and that's like, that's gonna go into what I love about what we talked about. Brad Crowell 14:13  But let's keep going with the history. Lesley Logan 14:09  Okay, so then the printing press became a thing, and so then people could just print their own tarot decks, and then they didn't need to go to the church. And so obviously that was like, not gonna work for the church, because then they'd be obsolete. So they made tarot decks be like. Brad Crowell 14:25  Well, I'm sure you tithe to have your reading or whatever, to have your self-reflection, so effectively it was costing them money. So what did they do? They made, they demonized tarot decks. Lesley Logan 14:35  The same thing they did with women healers. They demonized those too. They demonized. That's why the reason we have witches, witchcraft, all these things, is like, oh, that one point it served the church, and another point they decided to get rid of it, because it would mean they didn't have as much power. And now it became a witchy pagan thing. And let me tell you, after I heard this, I felt like my whole life was a lie. I was like, oh, my God, everything. I've ever been told that is evil and bad was actually good. It's all been good, right? You know. So anyways, we can talk about the witches they burned on another day. But I talked to Kate Wind, who we've had on the pod before, and I said, Kate, how come I didn't know that tarot decks came from the church? And she said, well, the church, we think the church took them from the Romanians, like, which the word you don't use anymore, but like Romanian gypsies, for lack of a better, like, what we're gonna call them. However, there's also some information that could have been from India as well. Brad Crowell 15:43  Interesting. Lesley Logan 15:33  But you know what? Just like we've been to Cambodia, and you're at the temples, and they're like, exactly the opposite of Machu Picchu what is what is. Brad Crowell 15:43  They're opposite on the globe. Lesley Logan 15:45  Right and so and so, it's like, to me, when I hear these things could be at the same time. It's like, because there was this human knowing that there's another way to figure out what's going on inside you. And so tarot doesn't actually tell you anything new, it echoes what you already know and maybe what you're ignoring. And so when you draw a card in tarot, the card has some sort of meaning. We'll just talk about like the upright position has some sort of meaning, right? And what you're supposed to do is reflect upon that meaning in your own life. And so I've been studying in different ways. Like I was talking to one of my besties on the phone yesterday, and she was talking about how she's doing this inventory in her life, and she's letting go of people who don't like ping back her serve, right? You know, like you gotta, it's gotta be or that she's not pinging back on them. And I was. Brad Crowell 16:36  It has to be mutual. Lesley Logan 16:37  It has to be mutual. Get this, one of the card I was studying yesterday was the moon, and the moon is this card where you're like, okay, what in my life is an illusion? Where am I? Where am I off the I'm on the wrong path. Where am I needing to let go of some things.Brad Crowell 16:53  Sorry, did you say where am I lying to myself? Lesley Logan 16:56  Yeah. Brad Crowell 16:56  Oh, recurring theme from last week's.Lesley Logan 16:58  Yeah, right. Same, same, exactly, well. And by the way, you are just doing the exact same thing you should do with tarot, which is, like you did something today. We recorded last week's show, and now you're learning about this card, and so you're using it as a way to think differently or think deeper about, self-reflection. And so I'm telling you guys right now. I mean, Frances said so many more amazing things, but like, this is the thing, if my therapist had told me pick up a tarot deck and journal, I would have been, my life problems have been solved a long time ago. Because I, this has been like, what am I supposed to reflect on? You know what I mean, like, is that not like the question you, like when people say self-reflect, like you have to do self-reflection. Like, do you ever wonder what that means? I just don't. I was like, what does that mean, though? How do I do that?Brad Crowell 17:46  Yeah, sure, but I mean, I don't know that. I usually, I'm, if I'm self-reflecting, it's because there's something that is wrong, and I'm I'm probably self-reflecting about that thing. I'm not just generally self-reflecting. Lesley Logan 17:59  Okay, well, that's good, but also you're that sounds like you're only doing it when something's gone wrong. You're not doing it when something's gone right. Brad Crowell 18:04  Well, sure. Lesley Logan 18:05  Right, and so in tarot, you could have something going well, or you could or it could be, like there could be you can use it as a yes, no, decision maker like to help you make decisions in your life. But like, everything is about it has guidance and information and the symbols, and, like we talked about that, and it helps you kind of understand, it actually helps you have empowerment. That's what she said. She said it really is all about empowerment and helping people be able to navigate their own inner wisdom and then apply it forward. And I think that's the coolest thing about it. It's like a lot of us have so much goodness, and we can only give it to our friends. We can never give it to ourselves. Brad Crowell 18:38  Yeah. So this is where it's interesting for me, right? Because, like, first off, I think that, like this interview, I found very curious. I actually really like listening to Frances. I think, I think it was revealing. There was also some things that were, like, definitely a double woo on the woo scale that I was kind of like, you know, but, but here's where I also think. Lesley Logan 18:59  Brad, remember, we went to two woos, starting 2025. Brad Crowell 19:02  Okay, but let's, let's, then she's in the 2.5s. So, so here's the thing, she also is not just doing tarot. She's also doing Reiki, right? And yoga. She's a yogi as well, like energy work, all that kind of stuff. So there's definitely she's got a lot going on. And so her answers were not exclusive to tarot. Right? And that's where, like, sometimes I was kind of going, well, you know, like, I've actually, you know, had Reiki performed on me and all that kind of stuff in the past as well. So I don't, I don't discount energy work. I think that it's, you know, we all have, we literally have a scientific magnetic field. I get it. I understand that it can be influenced with things and all the stuff. So I don't, I'm not saying no to that, either. But what I, I think that, having grown up in the church and having been like, told that like, you know, basically, tarot is the devil, you know, and looking at it like you know, effectively, it's almost like fortune telling, like, you know, you look at tarot, it's always in movies put alongside somebody with a crystal ball reading your future, and it's always portrayed as utter bullshit.Lesley Logan 20:10  Yes, I think that was part of the programming. So we would avoid it.Brad Crowell 20:13  I think so, too, you know, but, but that's just the that's where I'm coming from with it. That's the worldview that I've had my entire life, until I'm, you know, watching you do this, and listening to her talk about it. So, you know, I think that there's still that weirdness around well, when I'm having somebody else read my tarot cards, you know, this is not fortune telling, right? And I think that's what we should be very clear. They're not just making shit up. Lesley Logan 20:39  Correct. And even when you have, when you do go get a reading like Kate does them. Brad Crowell 20:43  Is it a back and forth, like you're, you know.Lesley Logan 20:45  You didn't have, you didn't get one from Lindsay? You didn't get one from Lindsay? Eric's place years ago.Brad Crowell 20:51  Maybe I can't remember, I think I did, but I can't remember. But, but the, but, like, the question I had, like, it's not like I'm sitting there in silence. They're flipping cards and telling you what's going to happen. It's more of a conversation and the person is helping you come to these conclusions.Lesley Logan 21:05  It probably depends on the on the facilitator, but essentially, the tarot readings I've had is I had one I didn't really like. I actually asked Kate about it, and she was like, she feels like she's being a little more predicting, versus like, asking you. But the one that Lindsay did, Lindsay (inaudible). Brad Crowell 21:21  She didn't do this. I think I remember it. Lesley Logan 21:21  She did a reading with me, and she pulled these cards. And I don't remember the type of spread it was, but it was basically okay. So in the past, right? She had, like, a past, present, future spread of some sort. And so in the past, she's like, okay, in your past, you had x, y and z, that is currently affecting where you are presently. So what's going on in your present life was like, let's just say you drew the full card, which is the car. Like, this is the person's like, going off doing something. They're not probably prepared for it, but they're excited. And they are like, are just going for it, right? But there's these mountains in the way. They're gonna be obstacles, but they have clear skies ahead, because there's gonna be something amazing, like, that's the full so in your past, you had this opportunity to do something amazing, and that sets you off on your present and then the present card, it could be the moon, okay? But presently, you have some illusions. You might be misaligned, and you know, like this. And then in the future, oh, the future, you've got an emperor, right? I'm just picking cards that I remember by. Brad Crowell 22:22  But the idea here is that there's, like, different positions, and one position is past, one position is present, one position is future. Lesley Logan 22:29  If you do that, yeah. Brad Crowell 22:29  And then, and then the the cards help you reflect on different things from your past, from your present, from your future. Lesley Logan 22:30  Yeah. So then you can ask your and then there's self-reflection questions like, okay, what does this make me think of is there a decision that I need to be making right now that I haven't been making? Is this, is there, is there, like, you could be doing a financial spread, and then the cards could be, you take all the meanings of the cards and it's a financial spread, and you're like, oh, if you get this one, like, there's one card that, if you get it, it's like, oh, you should take more drastic, dramatic action in your investments, right where you could draw a different card that's saying, oh, you should be more careful.Brad Crowell 23:07  But this comes down to the predictive, not the reflection. And that's where, like, that's where. For me, this is weird.Lesley Logan 23:12  So I'm explaining to it in a way that, yes, I could hear how you're saying it's predictive, where you would then take it as going, oh, okay, where can I be more aggressive in my financial investments. Where have I been too like, maybe you got the card upside down. Where have I been too aggressive in my financial investments? So you take the card's meaning , and then you apply it to your life based on the spread you're doing. And this is why we couldn't, didn't have the time to get into this. Brad Crowell 23:38  So it's like in the present, and then the whatever the card is, maybe the card is saying, let's talk about how this, you know, this, you've been too aggressive, or let's talk about how you've been not aggressive enough.Lesley Logan 23:49  You could actually draw a card that is all about intuition. And so then the question is like, okay, what is my intuition saying I should be doing today, or I should be doing right now, like you're.Brad Crowell 23:58  But this is what, okay, now that we're talking about it clarifying in this way, it's bringing me even more on board, because it effectively is almost like talking points. Yeah, each card represents a different talking point, a different analytical way of looking at your own past, present and future. Lesley Logan 24:16  Correct. If you do that spread and so what you are supposed to do is listen to them explain what each card means and the position that it's in, and then go and apply it. Meaning, like, reflect upon it and go, okay, it like, let's say you're doing a spread that has to do with your your career, right? You, right now, Brad, are currently doing a lot more sales in the in our business, right? You could end up with, like, doing a spread where it's in the future, it's showing you as having more leadership roles. Okay? So then it's like, okay, well, if in the future, I might having to take on more leadership roles in this business, then you know, what do I need to be doing today to prepare myself? How much of how, what does that feel like for me? Do, if that is something I was going to take on, what would I like to learn about myself? What would I want to do? What should I be doing now? So that can be even a possibility, right? So, like, it just reflects upon different things. And also, it's not predictive. It's just they're all each card, what it represents is more. It's like, not, I don't want to distill it down to a vibe, but it's a vibe, right? Like, and they represent different feelings. There are some cards that, like, the cups are all about emotions. So when you draw Cups cards in your spread, and maybe it's a day spread, maybe you just do one card a day, you might draw the 10 of Cups, which is all about relationships. So then it's like, Okay, today, where can I invest more in my relationships? So for me, I prefer the Day card, because it's like, okay, it's like a focus for today, but you can use them.Brad Crowell 25:50  It's almost like a journal prompt, you know it's like, it's like a preconceived 365 day journal prompt.Lesley Logan 25:56  Correct, I bought a whole journal that does one a day, and they have stickers. And I was like, fucking in. I'm doing it. I got stickers for I got a tarot card sticker. Brad Crowell 26:03  This is cool. I like this even more now. Lesley Logan 26:05  And so and so, for me, the way I've been studying it is, like, the card I'm studying, I'm literally going, how today did I see did, like, when I was studying, like, the Empress, like, oh, how today was I, like, using these things that she has or, or I wasn't using these things. Oh, there was that moment today where I outsourced my intuition to this person over here. So it just helps you reflect upon yourself and get to know yourself more. And the thing is that we all need if we want to have self-love, prevent burnout, be it till we see it. If you don't know yourself like you, you don't know how to listen to yourself, then it becomes really hard. So I have really got obsessed with it, because I'm like, oh, this is a way for me to have a conversation with myself that is somewhat guided and that it's whatever card I drew, whatever card I'm learning from that day, and that allows me to reflect upon today or my past or whatever, and uncover and almost like an onion, peel back another layer without outsourcing my agency.Brad Crowell 27:06  Well, I was just talking about this. Well, first off, that's really cool, and I and I agree, I think it's awesome that this is like, you're not outsourcing, you're not nothing wrong with going to see a therapist or anything like that. That's not what I'm talking about. But it's nice that this is something that you can do on your own. And I was just talking about this with someone about self-reflection, and I love that this is effectively a self -reflection practice.Lesley Logan 27:29  Yeah, that's and that's like, I really was so pleased that Frances explained it in that way, because correct, like you, I went to a tarot reader thinking they're gonna tell me what could be coming up in the future, and I forgot the time that Lindsay did it. And more was like, okay, you've been through X, Y and Z according to your past. You're it's currently affecting in this way and presenting in this way. And in the future, this could be coming up, and you should be aware of it. And it's like, so that sounds predictive, but also I still have to be the one who goes and does the thing. So I need to reflect upon, what did I learn in the past when it comes to that area that this card is representing? What am I currently going through that this card is highlighting, and then this future card is sharing, is putting this as a thing to be looking at. Doesn't mean it's predictive, but like, if that, like, what do I, where's the gap? What do I need to know? What does that, what feeling does that bring up in me? You know? So it's not, it's more of a guide, it's just a guide. I really like it. And I, and I am so pissed that I this was it took me 43 years of my life to know this is something I could use. I'm so grateful for Frances.Brad Crowell 28:38  Well, nothing like a little anger to make motivate you to learn.Lesley Logan 28:41  Yeah. Oh, and also, people keep asking if I'm going to do a reading, and the answer is no.Brad Crowell 28:46  Okay, so here's the deal that's funny that you say that, you know, how do you you know, I just want to briefly touch on this before we move on to some great Be It Action Items. But because I just hijacked your whole conversation and asked about the process and the belief behind it and how it works, which I am glad we did, because I feel like it was good to clarify that I had also written down some notes about the conversation you had with listening to your own intuition, right, because you asked her questions about how did you know that you could do this full time as a career? How did this turn into a career? And I'm gonna skip a whole lot of my notes, but ultimately, she said, you know, pursuing the unconventional path requires being your own staunchest supporter. Because you were talking about, how was it like at a family picnic with people like you're doing what now are you can I like, pray for you? Lesley Logan 29:32  Oh, I could only imagine. Brad Crowell 29:32  Yeah, right. And so.Lesley Logan 29:32  When I told people I was a Pilates instructor, that was already weird. Can you imagine telling them that you're doing Reiki and tarot?Brad Crowell 29:40  Right. So, you know, and what she said, It's not that you have to have the it's not that you have the confidence already. It's that you trust so deeply that you're that what you're doing is what you're supposed to be doing, which is listen to it, to your intuition, right? She said, you do it scared anyways, which is being it till you see it? Right. And she said that builds your confidence. So I just wanted to make sure we got that in. I thought that was really awesome. But stick around. We'll be right back. We're gonna uncover these Be It Action Items that we got from Frances Naudé. Brad Crowell 30:09  All right, welcome back. Let's talk about those Be It Action Items. What bold, executable, intrinsic or targeted action items can we take away from your convo with Frances Naudé? She said you have to learn how to hear and trust your intuition. Learn how to hear and trust your intuition. And she said, here's a three-part practice for building your intuitive muscle. And this is great, because learn how to hear and trust your intuition is not helpful for me, but here's three steps. Here's how you do that. Start with small daily decisions, things that you do every day, like choosing your tea, picking produce, or selecting which pair of underwear to wear, because that's what she does. She picks it up and she goes, is today, this pair of underwear day, or that pair of underwear day? And she's building this intuitive muscle, you know, like listening to herself, feeling it out, right. And she said, why does she do it then? Because it's something she repeats every single day. She has to make a choice right then, and so she's.Lesley Logan 31:04  I'm obsessed with it, because it goes in line with how habits are created. Brad Crowell 31:08  Hundred percent, yeah. She says, pause and feel after you make the choice, stop and notice what does it feel like in your body, and what energy do you have when you've made that decision. Then recognize the nature of intuition. So this is step three, recognize the nature of intuition. It's quiet. Often feels like a passing thought can lead you down paths that challenge your comfort zone and beliefs. She said, your intuition often will not make logical sense. It might not actually be loud. People always expect these really big moments, but intuition is often really quiet. So she basically, she's reminding us that daily awareness practice will help you build trust in your own guidance long before the big decisions show upLesley Logan 31:48  And to the next step, then ,you have to do that first. You guys don't get to skip ahead, do that first, the next step is to define your highest self. So this is the person we're being it until we see, right? This is a place that exists without ego, she said, without fears, worries, anxieties, and without other people's stories. So yeah, get rid of the other people's stories that are in your head, telling you who your highest self is. And then she encouraged you to clearly define who that self is and live by it. And she, Frances actually shared her three pillars of her highest self, which are, she lets joy lead. She does not let fear get in her way, and she lives in unity with all that's around her. I think that that's those are really tough things to kind of do, because we all want to control how things are. But if you let joy lead hence the going back to last week's episode, I love that these are back to back episodes, and then not letting fear get in the way. That means doing things scared. You know, going back to last week's episode. So so she also said, when you combine a strength and intuitive muscle with a clear vision of the highest self, every decision you make, you are walking that aligned path, even when the noise gets loud. And I just want to say that one more time, when you combine a strength and intuitive muscle with a clear vision of that highest self, every decision you make, you're walking that aligned path. So that's what I want for you guys. And I'm really, really like, I hate how long it took us to get this episode out, Frances, because, like, I've been working so hard on my tarot, but I really am super excited that it's coming out this time of the new year, when people can actually, like, instead of going new year, new me, it's like, what, what, who are, is your highest self. That should be the thing that you're thinking about. And then what can you do every day to walk in alignment with that? And that's going to help you with all the ups and downs and highs and lows. I'm Lesley Logan. Brad Crowell 33:31  And I'm Brad Crowell. Lesley Logan 33:32  Thank you, Frances Naudé. Y'all, how are we gonna use these tips in your life? What were your favorite parts? Make sure you tag Frances. By the way, you guys, she does a weekly drawing every single Monday. It's quite fun to attend live, and I'm sure you can get to know more about her. And look, I probably got some of this information wrong, but this is my interpretation of it. I'm sticking with it. Don't take it from me. All right, until next time. Be It Till You See It.Brad Crowell 33:52  Bye for now. Lesley Logan 33:54  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 34:36  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 34:41  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 34:46  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 34:53  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 34:56  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Monkeys on the loose in St Louis after four-day search - https://www.bbc.com/news/articles/cp3zq7evw21oSix Flags St. Louis could be sold, according to report - https://www.ksdk.com/article/news/local/business-journal/st-louis-six-flags-park-could-be-sold/63-38ba9e58-2837-4fa9-bae8-0e25e2aaf12eStunned surgeons remove huge spud from man's bum - https://needtoknow.co.uk/2026/01/12/stunned-surgeons-remove-huge-spud-from-mans-bum/Man undergoes surgery after 8cm by 6cm ceramic cup gets stuck up his bottom by 'accident' - https://www.dailystar.co.uk/news/world-news/breaking-man-undergoes-surgery-after-36281657Man with 'world's smallest penis' makes heartbreaking admission about having a micropenis - https://www.ladbible.com/news/health/worlds-smallest-penis-michael-phillips-252617-20260107Follow The Rizzuto Show → https://linktr.ee/rizzshowConnect with The Rizzuto Show Comedy Podcast → https://1057thepoint.com/RizzShowHear The Rizz Show daily on 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode is a funny ha ha, definitely not serious ep about quirky little sayings that have transcended time. Are you more than a little sticious? This episode is for you. And to our OCD baddies- please remember that before you adopt one of these as a new intrusive thought, not everything is meant to be taken home from the grocery store. We will listen to why it's lucky to be pooped on and carry it with us on the daily. I believe in us. THANKS SPONSORS Let Rocket Money help you reach your financial goals faster—join at https://RocketMoney.com/ladies. Get 50% off Unlimited premium wireless this January—plans start at $15/month at https://mintmobile.com/LADIES Feel like your best self again—visit https://forhers.com/LADIES to get a personalized, affordable weight loss plan from Hers. Head to https://MarleySpoon.com/offer/LADIES or 45% off your first order and free delivery. WE'RE GOING ON TOUR - https://www.ladiesandtangents.com/live-show WE'RE ON CAMEO - https://www.cameo.com/ladiesandtangents WE'RE ON PATREON - patreon.com/ladiesandtangents  MERCH - https://ladiesandtangents.kingsroadmerch.com/ *NEW* SUBMIT YOUR STORIES - landtstories@gmail.com  FOLLOW ALONG WITH US ON SOCIAL MEDIA - @ladiesandtangents Learn more about your ad choices. Visit podcastchoices.com/adchoices

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Congratulations to Lesli for all her continued hard work, you're looking GREAT! We also discuss how to fix imbalances in body parts as well as some logic and common sense for all those out there that think moseying into law enforcement operations is a good idea. Join The SwoleFam https://swolenormousx.com/membershipsDownload The Swolenormous App https://swolenormousx.com/swolenormousappMERCH - https://papaswolio.com/Watch the full episodes here: https://rumble.com/thedailyswoleSubmit A Question⁠ For The Show: https://swolenormousx.com/apsGet On Papa Swolio's Email List: https://swolenormousx.com/emailDownload The 7 Pillars Ebook: https://swolenormousx.com/7-Pillars-EbookTry A Swolega Class From Inside Swolenormous X: https://www.swolenormousx.com/swolegaGet Your Free $10 In Bitcoin: https://www.swanbitcoin.com/papaswolio/   Questions? Email Us: Support@Swolenormous.com

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Congratulations, you've completed the Early World period! As we journey into the Patriarchs period, Jeff Cavins joins Fr. Mike to set the scene. They discuss the themes of Genesis 12-50, how it differs from the first 11 chapters of Genesis, and how it slowly reveals God's plan to redeem mankind. For the complete reading plan, visit ascensionpress.com/bibleinayear. Please note: The Bible contains adult themes that may not be suitable for children - parental discretion is advised.