Podcasts about Congratulations

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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

In this episode, we dive into the pros and cons of both off-road trailers and rooftop tents, discussing comfort, mobility, setup time, and real-world overlanding use. Whether you prefer setting up a basecamp or moving camp every night, this episode will help you decide which setup best fits your travel style. Want a full list of our Pros and Cons? Check out the Blog: https://www.snailtrail4x4.com/rooftop-tent-vs-trailer/ 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

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/

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 Nico Rivero from the Washington Post, who wrote about how the rapid growth of grid-scale batteries in the U.S. is likely to pause in 2026.This week's "Cleantecher of the Week" is Darian Nagle-Gamm, Iowa City's transportation director, who is also the program owner for the city's fare-free bus system. Ridership eventually grew to 118% of prepandemic levels. Carbon pollution dropped by about 778 metric tons of carbon dioxide a year, roughly the equivalent of taking 167 vehicles off the roads. Congratulations, Darian!This Week in Cleantech — January 16, 2026 Scoop: Local Pushback, Canceled Data Centers Surged in 2025 — Heatmap NewsUS judge lets Denmark's Orsted resume Rhode Island offshore wind project that Trump halted — ReutersNew York Tells Data Centers They Must Pay More for Power — BloombergBig Tech is poaching energy talent to fuel its AI ambitions — CNBCThe American battery boom is on shaky ground — The Washington PostWant to make a suggestion for This Week in Cleantech? Nominate the stories that caught your eye each week by emailing Paul.Gerke@clarionevents.com

CTL Script/ Top Stories of January 16th Publish Date: January 16th   Pre-Roll: From the Ingles Studio Welcome to the Award-Winning Cherokee Tribune Ledger Podcast  Today is Friday, January 16th and Happy Birthday to Albert Pujols I’m Chris Culwell and here are the stories Cherokee is talking about, presented by Times Journal Woodstock elected officials sworn in to serve new terms Kemp to build roads, bridges during final year as Georgia governor Canton man charged in Christmas shopping center fire Plus, Leah McGrath from Ingles Markets on raw milk We’ll have all this and more coming up on the Cherokee Tribune-Ledger Podcast, and if you’re looking for Community news, we encourage you to listen and subscribe!  Commercial: INGLES 1 STORY 1: Woodstock elected officials sworn in to serve new terms Woodstock kicked off the week with a swearing-in ceremony on Monday, welcoming back familiar faces and appointing new ones to key boards. Municipal Court Judge Robert Tidwell swore in Mayor Michael Caldwell and Council Members Warren Johnson (Ward 1), Colin Ake (Ward 3), and Brian Wolfe (Ward 5)—all re-elected in November. Caldwell also administered oaths to Lisa Morton, Spencer Nix, and Melissa Madigan for the Downtown Development Authority, and Rob Hogan, Ali Najafi, and Chase Roth for the Planning Commission. “Public trust is no small thing,” Caldwell said. “Congratulations to everyone stepping up to serve.” The council also made appointments to the Ethics Board and Parks and Recreation Advisory Board. STORY 2: Kemp to build roads, bridges during final year as Georgia governor Gov. Brian Kemp isn’t coasting through his final year in office. Nope, he’s dropping over $2 billion into highway upgrades south and east of Atlanta—part of a $6 billion infrastructure push during his tenure. Speaking at the Georgia Chamber’s Eggs and Issues event Wednesday, Kemp credited “conservative budgeting” for making it all possible. “While some politicians just talk about affordability,” he said, “we’re actually doing something.” Big-ticket items? $1.8 billion for express lanes on I-75 in Henry County, $200 million to overhaul Georgia 316, and $250 million for local road grants. Oh, and $50 million to tackle homelessness ahead of the World Cup. Meanwhile, Lt. Gov. Burt Jones and House Speaker Jon Burns are laser-focused on taxes—property, income, you name it. Burns even floated eliminating homestead property taxes statewide. It’s a busy year for Georgia politics, to say the least. STORY 3: Canton man charged in Christmas shopping center fire  A Canton teenager is facing serious charges after allegedly setting fire to a vacant shopping center on Christmas Day. Firefighters were called to the Canton Village shopping center on Marietta Road around 3:15 p.m., finding smoke pouring from the roof and flames inside. Crews worked quickly—hoses out, building searched—but thankfully, no one was inside, and no injuries were reported. After an investigation involving fire officials, Canton Police, and the Cherokee Sheriff’s Office, 19-year-old Blake Louis Bishop was arrested Tuesday. He’s charged with first-degree arson, second-degree criminal damage, and loitering. The city-owned shopping center, set for demolition, required 30 firefighters and hours to fully extinguish the blaze. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info.    We’ll be right back. Break: INGLES 2 STORY 4: Morales breaks record, Gold returns for New Years Kickoff meet At the New Year’s Kickoff swim meet, held Jan. 9-11 at UGA’s Ramsey Center, Mila Morales of Chattahoochee Gold shattered a 19-year-old club record in the girls’ 8U 50-yard freestyle. Her time? A blazing 30.95 seconds, dethroning Lauren Case’s long-standing mark. The meet wasn’t scored—more of a post-holiday tune-up—but Chattahoochee Gold swimmers still made waves. Ava Gana stole the show with five wins, including the 12U 400 IM (4:56.31) and 200 backstroke (2:20.22). Meanwhile, Ella Malave snagged gold in the 13+ 100 breaststroke (1:05.96), and Bryston Burks dropped six seconds to win the 12U 200 breaststroke (2:48.08). Plenty of top-10 finishes, too—this team’s on fire. FALCONS: The Atlanta Falcons officially introduced Matt Ryan as their new president of football on Tuesday, and honestly, it feels like a full-circle moment. At the press conference in Flowery Branch, Ryan—who spent 14 seasons as the face of the franchise—spoke about his “unfinished business” with the team. “Since I was drafted, my mission’s been the same: help this organization win championships. We came close, had some success, but I believe we’ll get there,” he said. After retiring and working as a CBS Sports analyst, Ryan said he wasn’t looking for a new job—unless it was with the Falcons. Now, he’ll report directly to owner Arthur Blank, focusing on hiring a head coach and GM who share a unified vision. STORY 5: Georgia GOP senators target Raffensperger over voter registration lists  A group of Georgia Republican senators is pressuring Secretary of State Brad Raffensperger to hand over the state’s unredacted voter registration list to the Trump administration—a move Raffensperger flatly opposes. His reasoning? State law. Sharing private voter details like Social Security numbers, birthdates, and driver’s license info is a no-go, he says. The DOJ, meanwhile, has been requesting voter lists from all 50 states, claiming it’s about ensuring accuracy. They even sued Georgia last month over the issue. The Senate resolution, led by Lt. Gov. Burt Jones’ allies, is mostly symbolic. But it accuses Raffensperger of “obstruction” for only providing a public version of the list. Raffensperger’s office fired back, saying he’s already complied as far as state law allows. “He won’t break the law or risk voters’ private information,” his office said. The DOJ’s lawsuit heads to federal court in Macon later this month. And now here is Leah McGrath from Ingles Markets on raw milk Commercial: We’ll have closing comments after this.   COMMERCIAL: INGLES 3   SIGN OFF –   Thanks again for hanging out with us on today’s Cherokee Tribune Ledger Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.tribuneledgernews.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com See omnystudio.com/listener for privacy information.

Giants fans are excited that they have their head coach, but who else do they have? One person who hasn't gotten much credit for securing John Harbaugh is GM Joe Schoen, but he sure as heck deserves it!

What happens when you roll a Nat 1? Garbage. Congratulations. You stink! But, we're rolling Nat 20's over here on Brothers in Arms Podcast! Tonight, we declare Happy New Year NO!, haven't pooped this year, you might need an evaluation, if you aren't here by now - you're here now, I am sad, won the league of fantasies, Mahomey, haha no!, hatch green chili smash burger, trust me on the queso, get their pants beaten, Watt?, I helped him pass High School Physics, yeah no definitely, what makes you happy?, leaving on a jet plane, "New York City?! Get a rope.", Treehouse Brewing Company, wanted tomahawks - found cowboys,  "what makes them your mashed potatoes? I make them.", Cloudy Laundry - Boom! Judging You Silently, Thanks, Indonesia, retirement bottle, glowbelted deer, a dog whistle and 2 mimes, and a few Dad jokes that make you wonder who's on first. All this and a few suggestions for retirement bottles on this week's episode of Brothers in Arms!   Where you can reach us: YouTube: BrothersinArmsPodcast Instagram: Yourbrothersinarmspodcast Twitter: @YourBIAPodcast Gmail: yourbrothersinarmspodcast@gmail.com Twitch: Twitch.tv/brothersinarmspodcast (schedule varies due to life) Website: https://brothersinarms.podbean.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

Send us a textIn this episode: After-Christmas Catch-Up; Our Menopause Starter Pack Thanks for listening! Check us out on Instagram @made_ya_smile_podcast and Facebook @skitzychicks. Jesus loves you, you can't mess that up!

Astra Award-winning actor, Indy! He won for his performance in Good Boy (2025) Who’s a good boy? Why, you are, Indy! In a monumental achievement, Indy the dog’s performance in Good Boy earned him the Astra Award for Best Performance in a Horror or Thriller, beating out his esteemed human competition. In a year that has started off with so much social friction, it is amazing news like this that gives us hope. This win is for the underdog. How did Indy do it? Listen to my interview with director Ben Leonberg about how they pulled off this miraculous feat. The Astra Awards are presented by the Hollywood Creative Alliance, a collective group of movie industry professionals, and this was their ninth annual awards ceremony. The Astra Awards expand the genres eligible for awards. Like the Golden Globes, they award separate categories for dramas and comedies/musicals. In a laudable move, they also have awards for best horror or thriller. So, this is not a genre awards festival; they have set these awards to align with the end of the year and the lead-up to the Oscars. Indy’s competition this year was strong: Alfie Williams for 28 Years Later Alison Brie for Together Ethan Hawke for The Black Phone 2 Sally Hawkins for Bring Her Back Sophie Thatcher for Companion Indy the Dog for Good Boy Curiously, no acting nominations for Sinners or Weapons. I’m actually pleased that these other performances got rewarded. No worries. There will almost certainly be Oscar noms for Amy Madigan and Michael B. Jordan. This may be a first: a non-human acting award over human competition. I think the Astra Awards just made some waves. For those of you who fall in love with Indy and want a dog like him, he is a Nova Scotia Duck Tolling Retriever. It’s an uncommon breed, but I’d expect this movie to make the breed a lot more popular! The AKC describes this breed as “lovey dovey”, pretty good with other dogs, and very good with children. Moreover, they are super cute. How Did They Pull This Off? First and foremost, it helps that Indy is director Ben Leonberg’s pet. Secondly, it took a very long time, over three years from start to release. Hundreds of hours of footage had to be shot to capture the perfect reaction for Indy, and the shooting schedule was limited to three-hour sessions with him to avoid wearing him out. For anyone worried about harming the dog, worry not! All the acting was done with positive reinforcement and treats, and a stunt dog was used for any truly perilous scenes. Harm to dogs is a trigger for many viewers, particularly in horror movies. People who willingly put good money to see teenagers get slaughtered by the dozen will nope out with violence to a dog. So, many people have asked me, “Does Indy make it?” I can’t say that without spoiling the movie, since it’s all about him. However, if it means the difference between seeing the movie and not, I suggest you go to the site Does the Dog Die trigger warning database to get the spoilers. Good Boy is going to go down as the little Indie Horror film that could for 2025. On a reported budget of only $70,000, the movie to date, with a limited release, has a worldwide gross of over $8,700,000… plus whatever they were able to receive as their Shudder contract. That’s over a 100:1 ratio of profitability! Congratulations to Indy and Ben for their wonderful movie. This will be a cult film favorite. It lands at #4 on my Horror Movies for 2025, and I know I am not alone in my admiration for this movie. The Interview: For deeper insight into the movie’s production and how Ben got such a wonderful performance out of Indy, here is my interview with Leonberg at the Overlook Film Festival in April 2025. I’ve been doing industry interviews for going on nine years, and this is one of my absolute favorite discussions. Check it out! Ben Leonberg of Good Boy, directing his dog, the award-winning Indy. On set with the dog height camera rig: Indy and Ben Leonberg from Good Boy.

Voices in My Head Podcast – Episode 609: Caesar Is Not Lord 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. The Facebook post referenced in this episode:

If the stories are to be believed, and the first casualty of war is truth and all that, Venezuelan President Nicolas Maduro sent some 3.6 million ounces of gold - $16 billion in today's money - to Switzerland before 2017, when the EU brought sanctions against Venezuela.Switzerland last week froze his accounts and the accounts of some 36 others with close ties. We don't know how much money he had in them, or how many accounts there were, but the figure doing the rounds is $10 billion.It has also emerged that Tether has been freezing “wallets identified as being involved in the Venezuelan oil trade.” As much as 80% of Petroleos de Venezuela's oil revenue is believed to be transacted in tether. This could be a total figure in the billions too.We also know that Venezuela was mining bitcoin for many years - when the price was a lot lower - but we don't know what they did with the coins. Did they fall into Maduro's hands? Were they sold? Were they held?The number doing the rounds here that it owns 600,000 BTC (~$60 billion). That would put Venezuela up there with Michael Saylor and Strategy. It's three times the 198,000 coins the US government itself is said to own.There's a seed phrase I'd like to know. Where are the keys, I wonder?And where did the proceeds of Venezuela's enormous oil, gold and other natural resource exports end up, exactly? Only some of them we know. At this point we remind you that the Venezuelan currency itself - the bolivar - collapsed in hyperinflation and has little to no value. Beware national currencies, particularly under socialist regimes. They don't last.There are several things I take away from all of this.First, the US dollar - whether via SWIFT or stablecoin - remains the number one international currency of choice, even for America's enemies.Second, tether and other US dollar stablecoins might be convenient - you don't have to use banks - but Tether will do what the US government tells it to do, and if the government wants your assets frozen, Tether will freeze them.Stablecoins, then, have a central point of failure. If someone can freeze them, they are not sovereign. And just as the US froze Russian US dollar assets after its invasion of Ukraine, so can and will it freeze the stablecoin assets of its enemies too.What did that 2022 freezing of Russian assets trigger? The mother of all bull markets in gold, and then silver and miners.What will this freezing trigger? A bull market in bitcoin. Possibly. Likely.It's already creeping back up.While the US does its geo-political, strategic, critical minerals thing, quaint old Western Europe is sinking deeper into higher taxes and - I'm sure they're coming eventually - capital controls. In fact, capital controls already exist in effect, banks are so heavily regulated and limiting of what you can send and to whom.The value of permissionless, international money just went up.You need to own money that they can't touch, whether by seizure or debasement.Meanwhile …Gold and silver continue to go bananas - the latter especially.So many roads lead to gold at the moment, it's hard to see when this stops.The inevitable debasement of national currencies off the back of uncontrollable government spending. Gold. Dedollarisation. Gold. Increasing geo-political uncertainty - Iran, Venezuela. Gold. Reshoring of US industry - highly inflationary. Gold. Revaluation of US gold holdings. Gold. Looming crisis from Japan as yields spike. Gold. China's ambitions for its currency and trade. Gold. Triffin's dilemma. Gold. AI putting everyone out of work leading to more money printing. Gold. Declining competence of and as a result faith in institutions worldwide. Gold.The dollar has now fallen to a 40% share of global central bank reserves, while gold is now at 30% on the back of its higher price and central bank accumulation. (Note currency and reserves are not the same).We are in a major capital rotational event the like of which occurs only every few decades.Typical portfolios are still underweight gold.If you live in a Third World Country such as the UK, I urge you to own gold or silver. The pound is going to be further devalued. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, US, Canada and Europe or you can store your gold with them. More here.Own bothAs regular readers will know, I advocate owning both bitcoin and gold. The two assets have many similarities in that they are non-government, independent money. But the fundamental difference is that one is physical and one is digital.Both have their uses, and I have little patience with this notion that one must choose one or the other.In that regard, as with many others, my worldview is aligned with that of Charlie Morris (whose newsletters I urge you to subscribe to. There are lots of free options, including Atlas Pulse, which I love). Remember many years ago Charlie was calling for $7,000 gold by the end of this decade and many thought he was dotty. His call is looking perfectly sensible now, which it was - and which he is. Charlie previously managed a multi-billion-dollar fund for HSBC, before going solo. Aside from his newsletter, one his main endeavours has been BOLD, and he has been trying to get it listed for years. But the UK's Financial Conduct Authority is retarded.BOLD is a fund you can buy through a broker which is 75% gold and 25% bitcoin - all properly audited and backed, of course, with institutional-grade custody.Over the past five years, BOLD has returned 186%, while bitcoin has returned 202%, gold 128%, and equities 77%. The average return of bitcoin and gold together was 165%, yet BOLD was 21% ahead. This is because every month Charlie rebalances the portfolio, effectively buying more of whichever is the weaker asset to retain that 75:25 ratio. This act of rebalancing both strips out the volatility and increases the gains.Since Charlie first conceived of it in 2017, over pretty much any timeframe, BOLD (in blue) has beaten everything.Since its listing in Europe in 2022 BOLD has returned 123% since launch (in GBP to end 2025 including fees) compared to 111% for bitcoin and 113% for gold.It would have been nice to have been able to enjoy these gains in the UK. Thank goodness the FCA has protected us from them.Not for much longer.I was delighted to be at the London Stock Exchange yesterday to see the listing of this product which delivers “bitcoin-like returns with the lesser volatility of gold.”Congratulations, Charlie, for finally getting this listed. I wish you every success.Now we can actually invest.Obviously, if gold AND bitcoin both turn down, BOLD will suffer. But this is a classic buy-and-forget product, perfect for the Dolce Far Niente portfolio. You can own it in your pension, your ISA and it should become a mainstay of any portfolio.The 21Shares Bitcoin Gold ETP, BOLD, has the ticker LSE:BOLD.I am a buyer.PS some brokers such as AJ Bellend have only made this product available to pro investors. The broker I use is Interactive Investor, who are pretty good about getting these kinds of things live. If you open an account via this link you get a year's free. I am just on the phone to them now to get this listed.Disclaimer:The Flying Frisby is not regulated by the Financial Conduct Authority (FCA) or any other regulatory body as a financial advisor. Therefore, any information provided in this newsletter does not constitute regulated financial advice. It is solely an expression of opinion. Please conduct your own due diligence and consult with a financial advisor, if you have any doubts. Remember, markets can both rise and fall, especially in the case of small and mid-cap stocks. I am not aware of your individual financial circumstances, so only invest money that you can afford to lose. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

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

Congratulations, the multipolar world you ordered is here - Konstantin Kisin. | We use Ground News to escape the echo chamber and stay fully informed. Go to https://ground.news/triggernometry to save 40% on the Ground News unlimited access Vantage plan. Join our exclusive TRIGGERnometry community on Substack! https://triggernometry.substack.com/ OR Support TRIGGERnometry Here: Bitcoin: bc1qm6vvhduc6s3rvy8u76sllmrfpynfv94qw8p8d5 Shop Merch here - https://www.triggerpod.co.uk/shop/ Advertise on TRIGGERnometry: marketing@triggerpod.co.uk Find TRIGGERnometry on Social Media: https://twitter.com/triggerpod https://www.facebook.com/triggerpod/ https://www.instagram.com/triggerpod/ About TRIGGERnometry: Stand-up comedians Konstantin Kisin (@konstantinkisin) and Francis Foster (@francisjfoster) make sense of politics, economics, free speech, AI, drug policy and WW3 with the help of presidential advisors, renowned economists, award-winning journalists, controversial writers, leading scientists and notorious comedians. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

We all love winners. We love hearing about the big wins and the perfect track records. It feels good. It feels safe. It instills us with a sense of trust. But I've been in business long enough to know that virtually all individuals who are long-term winners have had profound moments of failure from which they learned invaluable lessons. Those are the people I really want to hear from. They have the kind of knowledge we all need as we navigate through life. It's called wisdom. Surgeons have a saying: “If you've never had a complication, you haven't done enough surgery.” In my surgeon days, I had a handful of complications. Let me tell you—they are no fun. You stay up at night replaying things in your mind, trying to figure out how you could have done things differently—how you could have had a better outcome. Even when unavoidable, those complications teach you something you'll never get from textbooks. It's been no different for me when it comes to business and investing. But I take comfort in knowing that even the greatest investors of all time had their moments of failure and rose from the ashes stronger and wiser. Warren Buffett. Ray Dalio. Every big winner has a story of failure. And while it may be cliché to say that we learn best from mistakes, I truly believe it. The good news is that those mistakes don't have to be our own. Learning from other people's mistakes can be just as effective. This week's episode of the Wealth Formula Podcast is with Russell Gray—a guy many of you already know from his podcasting and radio career. Russ lived through 2008 up close. He took a beating, and he talks openly about what went wrong. But that period also changed the way he sees the world—in a good way. It changed how he thinks about risk, leverage, and what actually matters when things stop going up. That mindset is a big reason he's been successful since then. It's a conversation worth your time. 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.  If you let the debt run, at some point you fall into a debt trap where the interest on the outstanding debt consumes all of the available discretionary income, and then you’re borrowing just to service the debt. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you there’s website associated with this. Podcast called wealthformula.com. It’s where you will go if you would like to, uh, become more, uh, ingrained with the community, including getting on some of our lists such as the Accredit Investor Club. Of course, it is a new year and there are new deal flows coming through. Lots of opportunities that you won’t see anywhere else if you are a, an accredit investor, which means you. Make at least $200,000 per year for the last couple years with a reasonable expectation of doing so in the future. That’s 300,000 if you’re filing jointly or you have a million dollars of net worth outside of your personal residence. If you, uh, meet those criteria, you are an accredited investor. Congratulations. You don’t have to apply for anything, whatever, but you do need to go to wealthformula.com. Sign up for the Accredited Investor Club, get onboarded. And all you do at that point is look at deal flow, and if nothing else, you’ll learn something. So check it out. And who doesn’t want to be part of a club? Now let’s talk, uh, a little bit about today’s show. You know, um, we all love winners, right? We love hearing about big wins, the perfect track record. It feels good. It feels safe, gives us a sense of trust. But the thing is, I’ve been in business long enough to know that virtually all individuals who are, what you would call long-term winners, have had profound moments of failure from which they learned, um, invaluable lessons. So those are the people that I really like to hear from. You know, they have the kind of knowledge we all need that as we navigate through all of life, and it’s called wisdom. Um, surgeons, as you know, I’m an ex surgeon. Have a saying, if you’ve never had a complication, you haven’t done enough surgery. Uh, in my surgery days, I certainly, you know, had a handful of complications just like anyone else who did a lot of surgery. And, and lemme tell you, there, there are no fun, right? So you stay up at night replying things in your mind, trying to figure out how you could have done things differently, how you could have had a better outcome. And sometimes you realize that those mistakes were unavoidable, but. You still learn something from them. And in these cases, you always learn something that you’re not gonna get from the textbooks, just from reading something. And you know what, it’s been no different for me when it comes to business and, and investing, but I, I take comfort in the fact, uh, that even the greatest investors of all time had their moments of failure and arose from the ashes stronger and wiser. All you have to do is look up stories of Warren Buffet and Ray Dalio. And Ray Dalio basically lost everything at one point, uh, because he, you know, he had a macro prediction that went completely south. But listen, uh, the, the point I’m trying to make here is that every big winner, every big winner I know of as a story of failure. And while it may be cliche to say, you know what we learned best from our mistakes, I, I truly believe that. But the good news is that those mistakes don’t have to be our own, right? So you can learn from other people’s mistakes as well, and that can be just as effective. Uh, so this week’s episode of Well, formula Podcast is featuring a guy that you may know. His name is Russell Gray. Russ, uh, has been around a long time, uh, in the podcasting world. And radio. You know, he talks a lot. He’s talked many times to me at least about living through 2008. And you know what that was like, the beating he took and, you know, what went wrong? Uh, you know, it’s, it’s something that he talks about because, you know, he’s a successful guy and that period in time changed. You know, the way he sees the world, the way in which he behaves in that world. How he thinks about things like risk and leverage and you know, what actually matters when things stop going up. Uh, it’s a mindset thing and it’s important. Um, and we also obviously talk about other things as well, such as, uh, Russ’s current take on the economy. Uh, so anyway, it’s a, a good conversation and it’s one that you’re gonna wanna listen to, and we’ll have that for you right after these messages. 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Welcome back to Show Everyone. Today my guest on Wealth Formula podcast is Russell Gray. He’s a second generation financial strategist and, uh, you may know him from being a, the former co-host of the Real Estate Guy Radio Show, which is one of the longest running, uh, uh, radio shows of its time, uh, in the United States. He’s, he’s a founder of. Raising Capitalist project, which is an initiative focused on helping aspiring investors and entrepreneurs how to better understand how wealth is actually created and how uh, economic systems really work. Uh, he’s best known for his emphasis on real assets, cash flow, economic cycles, and preserving wealth and what he views as an increasingly fragile financial system. Welcome, Ross. How are you? Good buck, happy to be here. And, uh, proud of your success on your show. I remember way back at the beginning you were like, Hey, I wanna start a podcast. Yeah. Yep. You’ve done a great job. Yeah, it was an idea. I was like, here’s the idea. Start a podcast, build a community, all that kind of stuff. But it’s interesting. Uh, well, and let’s talk about what’s going on now. You’ve spent decades teaching people about, you know, real assets and cash flow. But lately your writings feel more focused on systems and and macro forces. So what’s changed? Has something finally become too big to ignore? Well, I think there’s two things you know personally, uh, most people who have heard of me or followed me know that 2008 wasn’t kind to me. I was in the mortgage business. I was very leveraged into real estate all over the place. Had my businesses for cash flow, had the real estate for equity growth. Believed that real estate was hyper resilient and gonna be the beneficiary of inflation. Didn’t understand the dependency on credit markets in both my business and my portfolio. And so that was a big mess, not doing, uh, a real SWOT analysis and understanding. And the third part of that, that was tough, is that I operated the business primarily on credit lines as well. So I had virtually no cash. And so when the credit markets seized up. Canceled my income, it canceled my credit lines and it evaporated my equity. And now all I had was negative cash flow on debt, on real estate. I couldn’t control. And so I looked at that and I said to myself, you know, I’m a pretty smart guy. I. Pride myself on paying attention. So obviously I’m not paying attention to the right thing. So I became obsessed with the macro, uh, picture and, and the financial system, which, you know, to me it’s, it’s the macro economy is what’s going on with, uh. Geopolitics and the energy and, you know, even policy, uh, that affects, uh, how well money can flow through the system. Both monetary policy from the Federal Reserve and fiscal policy from the government now today in the Trump administration trade policy. And so I began to pay attention to all those things, but from the standpoint of not how it was gonna affect the stock market, but how it was gonna affect the bond market and interest rates and the availability of credit, and how it was gonna affect Main Street. Directly and specifically now in terms of jobs and job creation are real wages. And so when I started really looking at all that, um, I, I, I realized that there were some things happening that were gonna be really good, and there were also some things that we needed to pay attention to. And these things move very slowly. So in 2010. I saw that coming outta the financial crisis, the Chinese were very upset with the United States about how much the Fed Balance sheet was expanding, and they were concerned about their very large investment in US dollar denominated. Bonds, and so they began creating bilateral trade agreements with Russia and many other countries to where they could begin this large process of de Dollarizing. Well, that was the first time I’d seen that movie, because it was the same thing that the Europeans did after they saw the Nixon default. Right? They began working on the Euro, which took ’em from 71, 72 when they started, maybe 74 when they started, but it took ’em till 99 to get it done. But you know, once they got it in place, over time, the Euro, the Euro has taken over 20% of global trade. You know, that’s market share from the US dollar. And so I saw this BrickX thing beginning to form. Uh, and then I saw the other thing on the macro that I thought was gonna be really good was in the jobs act, something you’ve benefited from as a syndicator, we. I wrote that report, new law breaks Wall Street Monopoly. And so, uh, even though I, I can’t tell you I was a big fan of Barack Obama, but he signed that legislation that happened on his watch. And I think it was fantastic because now it allowed Main Street syndicators, main Street Capital raisers to advertise for accredited investors and began to really, uh, level that playing field and open up Main Street, uh, to invest directly in Main Street. And so I met you in the syndication program that we put together with the real estate guys to coach real estate investors on how to become capital raisers to, to capitalize on that trend. So that’s, you know, kind of how I kind of became doing what I’m doing. And then when I decided, uh, just about 20 months ago to depart the real estate guys, I wanted to take some of the things that I originally set out to do when I first met Robert Helms way back in the day. And, you know, as relationships go, you know, he has his interest in the things that he wants to do, and I had my interest in things I came to do. And for a long time we were aligned well enough to continue to work together. But it got to a point where, for me, I, I wanted to go off in a different direction, and part of that was driven. By the, the death of my late wife. Uh, you had me on the show right after that happened to me, and I was going through this like, who am I? Why am I here? What am I supposed to do next? What do I really want to get done before I die? And so all of those things kind of informed my personal decisions to, to make a switch. And then of course, what’s going on in the macro. Um, what I saw with Trump 1.0, what I saw in the Biden administration and those policies, and then what I thought would happen in Trump 2.0. And I did a presentation on this at the best ever conference in March of 2025, right after he’d been inaugurated. And, and so, uh, that, that’s kind of has me where I feel like there’s some real opportunity coming. Uh, there’s also some things we need to be aware of on Main Street. Yeah. So you’re bullish on Main Street in general, but you’ve been pretty cautious about the broader financial system. So, uh, what are the things that you’re worried about? Well, I, I think if you understand the way the financial system works, uh, it has a shelf life and that. It’s because it’s, it’s a system that is, depends upon ever increasing debt. Um, people say, I wanna pay the debt off, but if they, if they really understood the system, at least the way I think I understand it, uh, and I’m not alone in this, so it’s not something I just figured out on my own. But, um, you know. I, I don’t want to sit here and pretend like I’m the world’s foremost expert, but the way I understand the way the system works is that it, it requires ever increasing debt, and if we were to pay the debt off, it would collapse the system. So I think you waste a lot of time and energy and from a policy perspective, trying to argue about doing that. And I think that’s why it’s never, ever, no matter what administration, what politician, what mix of congress, what. Pressure there is everywhere globally. The system, the central banking system, the way it works globally, is designed to create ever increasing debt. So the, the flip side of that then is to let the debt run. And if you let the debt run, at some point you fall into a debt trap where the interest on the outstanding debt consumes all of the available discretionary income. And then you’re borrowing just to service the debt. Yeah, that’s about $1 trillion right now, by the way. Which is. Which is, uh, about the, the, the defense, uh, budget. Well, and I think that the bigger thing is when you look at, at the interest on the debt and mandatory spending, there’s virtually no room left after that. So if you’ve got, you’ve got the mandatory spending and you’ve got, um, debt service, you, you have very little room. So it’s not. Feasible either for two reasons. One is there’s just not enough discretionary room to be able to cut expenses enough to, to ever manage the debt. Number two, as I previously mentioned, if we were ever to effectively try to pay down the debt in any appreciable way, it would crash the the system. So the, the way I look at it is it’s, it’s, it’s got to be replaced. There’s going to be a great reset. I think the World Economic Forum was trying to set that up for the world, and they had an agenda. I’m, I’m not particularly fond of. Um, there’s been talk about creating a central bank digital currency, which I think is what, you know, the Federal Reserve and the, what I all call the wizards, uh, or the powers of B would prefer. Uh, but I think if you care about privacy and, and, you know, individual sovereignty, uh, and, and just personal freedom, um, I have a lot of concerns about a central bank digital currency. Um, I think the popularity of Bitcoin, uh, if it was, you know, and who knows what the. True origins were, but let’s just take it at face value. I think a lot of the people, at least that were the early adopters before it had the big price run up, was just a way to escape, uh, the system before it failed. And so you’ve got that. And then you’ve got, again, as I mentioned, the bricks and this global effort to de dollarize, which was I think really kicked off. After the great financial crisis and the massive expansion of the Fed’s balance sheet. And then I think picked up a little steam when we froze Russian assets and people began to see that the US might use the dollar and the dollar system, uh, for political instead of being neutral. And I think that picked up some steam. And, and so there’s, there’s both a geopolitical drive to. Uh, come up with a new system. There is, I think we’re at the end of a shelf life that some type of a new system is gonna have to be, uh, created. Uh, and, and then you look at what Donald Trump is doing and what he’s espousing. You know, let’s get rid of income taxes. Let’s get back to pulling in, uh, revenue from tariffs the way the country was originally founded. Uh, he’s talked about eliminating the IRS and going with an ERS, an external revenue service. There’s people that think that he might beat. Wanting to try to get back on some form of sound money, you know, coming out of, Hey, let’s audit the Fed, let’s audit the gold. I mean, let’s audit the gold. And, um, so, you know, we, you, you never know what what’s really gonna happen, but, but I think what we have to pay attention to are the signs that the system is beginning to break down. And one of those signs that I pay a lot of attention to is monetary, metals, gold and silver. I make a distinction between precious metals, which would also include platinum and palladium, and of course they’re strategic metals, but I just focus on monetary metals, which would be gold and silver, and gold and silver. We’re telling you that people would prefer to be the, the, the safe ha haven asset is no longer us treasuries, but, um, but, but gold and central banks have been driving a lot of it. This isn’t the retail market driving it yet. It, it’s really central banks have been accumulating. And so those are the ultimate insiders when it comes to currency. And if the insiders in the currency markets are repositioning into gold, uh, I’d, I’d call that a clue. Yeah, absolutely. Um. Yeah. You recently commented on the public criticism, president Donald Trump made toward, uh, uh, Peter Schiff. What stood out to you about that exchange? Maybe give us some background people. Not everybody knows who Peter is and, and, uh. And all that. So, yeah. Well, I mean, as you know, I’ve known Peter for 12 or 13 years and, uh, I had read his father’s work way back in the day. He is a very famous in the tax protestor world as somebody who just believed that income taxes were unconstitutional. And he resisted that and ended up going to jail for, died in jail as a matter of fact. And so that was, uh, I think sad. Um. But, but to me it felt like a little bit of being a political prisoner, but be that as it may, that’s how I got to know Peter. And so Peter is a guy that comes from the Austrian School of Economics and he believes in sound money. He believes in gold. He does not like Bitcoin. I’ve sat on panels the last two years with Peter, uh, in between him and Larry Lepard. And you know, Larry is a, a former gold guy. He’s still not opposed to gold, but he’s a hardcore sound money guy. But he likes Bitcoin. Peter hates Bitcoin and they get into it, and I usually sit in between ’em and try to keep things calm. Well, you know, so Peter ended up going on Fox and Friends, uh, I think on whatever it was, Friday the eighth I think it was, or whatever, whatever day that was. And he, he criticized Donald Trump’s spending. And, um, budget deficits and said that it would lead to inflation, and that’s a hot button for Trump. And so Trump, yeah. Uh, responded to him, uh, I think like four 30 in the morning on Saturday morning and called Peter, uh, a. Jerk and a total loser. Well, actually I saw it before Peter did, and so I took a screenshot and I texted it to him. I said, Hey, have you seen this? You know, maybe I’ll press is good press. And I think to a degree, maybe it has been me from, I understand Peter ended up on Tucker Carlson’s show as a result of that. So, but I made a video right after that because I, you know, there was a time when. I’m friends with Peter Schiff and I’m friends with Robert Kiyosaki. As you know, I, we introduced you to both those guys and, and at one point they didn’t like each other very much. They got into it ’cause, you know, and, and so we introduced ’em to each other and found that they had more in common than they, they didn’t. And I, I think that that would be true. Not that I’m in a position to introduce Peter to, to Donald Trump, but I think the way Peter is looking at it is true. Um, but there’s context and I think the context is super important. Now I’ve been studying Donald Trump as a businessman way before he was a presidential candidate or a politician, you know, before he was a polarizing guy, a pariah for some people. He, he was just this real estate guy. He’s good at marketing, he’s a real estate guy, and as you know. We got to know his longtime attorney, George Ross. And so I’ve had a chance to have conversations about what it was like working with Donald Trump, the real estate guy, and when he became a politician, I asked George, is he a crazy man? Does he shoot from the hip? And you know, I got a lot of reassurances that he is a sober sound. Methodical, self-disciplined guy and, and I think he uses the eroticism to keep people off balance as a negotiating tactic. And he writes about that in the art of the deal. So the context that I think that people need to have, and I’m not here to defend Donald Trump, the man. I’m not here to defend Donald Trump, the politician, but I look at the policies and what I think he’s up to in the context of realizing that we have a system that is fundamentally flawed and has to be remodeled. So to use a real estate, uh, metaphor, it would be like we have a hotel building that is very tired. It’s at the end of its life, it’s got to be remodeled, and so you can’t. Completely shut it down because it’s an operating business, so it’s gotta operate during the remodel. And so you begin to, um, reposition things and. You, you, you’re not gonna run optimally, so you’re gonna run some deficits while you’re doing the remodel. You’re gonna go into debt because you got a lot of CapEx to do, and during that period of time, your debt and deficits are gonna be a problem. But real estate guys look at debt and deficits not as a permanent condition. I think Peter is saying, Hey, you’re just running up debt and deficits. Well, in the short term he is. Honestly, I don’t think Trump is concerned about that. I think he’s focused on getting this remodel done, and part of that remodel was showed up in the last jobs report, right? We lost jobs to a degree, but they were government jobs, and what we got was a lot of gains in private sector jobs. Scott descent, his treasury secretary, has come out and overtly said, we are an administration for Main Street, not for Wall Street. So if you’re going to de financialize this economy and turn it back into a productive economy. You’re going to have to have policies that are gonna stimulate Main Street, and that’s, that’s the, the, the new units that you’ve rehabbed in your hotel that you wanna move people into. At the same time, you gotta move them outta the old units, which is people making money, trading claims on wealth instead of producing real goods and services, which is the financial ice economy. So it’s not about banking, it’s not about stocks, it’s not about Wall Street. You know, you need the stock market to stay up. But really what you need to do is you need to create production. And, and, and I think that’s fundamental. I think he understands we’re never gonna pay the debt off by cutting. We’ve got to keep the system running until we can get to some form of sound money. We’re actually paying the debt off as realistic, and then we have to earn so much money that the debt relative to our earnings shrinks. So it’s not paying down the debt, it’s paying down the percentage of GDP by growing GDP. And the presentation I did at best ever in March of 2025 was me explaining why I thought. His policies, were going to allow him to increase velocity and increase wages by cutting taxes, interest regulation, transportation costs, and, and again, that was six weeks into administration. That was theory. I’m gonna do a follow up in March of this year to say, okay, looking back when I gave the speech a year ago, what’s transpired, but I can already tell you a lot of the stuff that I thought he would do. He’s done. And I think that’s muting some of the inflation that his spending and deficits to Peter’s point are causing. And that’s why when this last CPI report came out, it wasn’t as ugly as everybody thought it would be. And, and this is when you don’t look at, when you look at it in the mono, you just look at one thing and Peter’s very fixated on this quantity of money theory. Then the expectation is that you print a bunch of money, you run a bunch of deficits, you’re gonna get inflation. And it’s just a. Equals B or A leads to B. But there are other nuances and I think Trump is looking at more like a real estate developer, which makes sense. ’cause that’s his background. Yeah, yeah, absolutely. It’s, I mean, and then the other just point to, to make there is that there is probably, um, now inflation’s a tricky thing, right? Like on the one hand you don’t want this riding up, but on the other hand, it actually helps with that debt. You’re, you’re basically eroding the debt by letting inflation ride a little bit higher at the same time. And I think the Trump administration knows that it’s a tricky thing to balance, but the goal is to, you know, get GDP pumping at, you know, four or 5%, but it’s gotta be real production buck. And that’s the difference, right? The old way of dealing with the debt was inflation. And, and I think people think that he’s using the old formula, but I don’t think he is. Well, I think it’s, I think, I think it’s definitely geared towards increasing real GDP, but I think in the process there’s probably, they probably care less a little bit. Of inflation riding up a little bit in the meantime. ’cause you’re still gonna have, I think he thinks he can mute it. I think he can mute it with lower taxes, lower interest expense, lower energy costs. And the energy is the economy. And from day one, that was the first policy. He’s, he’s aggressively gone after lowering energy costs because that has a, a, a ripple through, it just affects every area of the economy. And then the regulations in, in the last cabinet meeting. It was reported, the way I understood it, that for every regulation his administration passes, they’ve eliminated 48. So it’s actually, he’s removing the friction. And I think the bigger thing is, and I, and I was on a panel at Limitless, uh, this last summer, and TaRL, Yarborough was moderating the panel, asked the panelists what we were looking at that maybe other people weren’t looking at that. Um. You know, is, is a signal about maybe the direction it was. We, I, I can’t remember. This was a prediction panel and what I said was trade policy because everybody in finance spends all their time looking at the flow of money and trying to get in front of the flow of money. And we’re so used to the money coming from the Fed or coming from the treasury. So they’re gonna come from monetary policy or fiscal policy. And that’s what Peter’s doing. He’s looking at the Fed and he is looking at the treasury. And so what I’m looking at is not just the tariff income, which is relatively minor, but I’m looking at the trade deals, and those are published at the White House and there’s a couple trillion dollars of money that’s FDI, foreign Direct Investments coming right into Main Street. And it’s gonna build infrastructure. It’s gonna build factories. It’s good. And they tell you where it’s gonna be because they, they came back with the opportunity zones, which I thought they would do. Makes sense. It’s the way he thinks. And then taking those opportunity zones, the governors can say where in their state they want that money to go. Well, people on Wall Street don’t think geography ’cause they operate in a commodity world that trades on global exchanges. But real estate people. Geography matters a lot. So if I’m a Main Street person, I live on Main Street and I’m looking for Main Street opportunities, I wanna look where that money is going to be flowing in geographically. And then there may be opportunities in real estate or small businesses in those economies, and you can see it coming, but nobody talks about it. So I created Main Street Capitalist as a show to begin to talk about it. I still do the investor mentoring club, which is, you know. A premium thing where we get together every month and we talk about these things. And the point is, is that if you understand, I think what he’s doing, then you can, you can begin to paddle into position. And I think, again, I am really bullish if he loses inflation. If he loses to inflation, he’s cooked. He knows it. I think that that even the suggestion that Peter made that he was losing to inflation is what flared him up. And so I wasn’t trying to necessarily defend. Peter and I wasn’t trying to defend Trump, I was just trying to reconcile that it is possible that both guys could be right at the same time from their perspective. And so I, you know, I, I had one guy take exception because he felt like I was defending Trump, but for the most part, I got positive feedback on the video. I, I, I, you saw it. So you tell me. Did it make sense? Yeah, yeah, yeah. Absolutely. So when you look at today’s environment, everything going on, where do you think investors are most vulnerable? Um, I, I think that if you are very dependent upon, um, healthy credit markets, we could have a disruption. And that’s what happened to me. If Trump loses the inflation battle even for a little while, little be reflected in interest rates. And the challenge is right now that he is asked the Fed to quote unquote lower rates, but the Fed actually doesn’t like. Set rates, what they do is they set a target and then they manipulate markets to achieve those rates. And if, if people believe the fed, there’s a little bit of front running. So what’ll happen is the Fed will come out and go, oh, we’re gonna lower rates, which means bond prices are gonna go up. So they’re like, that’s great, let’s go buy a bunch of bonds, which drives rates down. So the Fed just by talking. Begins to move the market and then they hope that later on the Fed will buy those bonds from them at a profit to push rates down. Does that make sense? So, so when the last two times the Fed has raised rates in their target, the 10 year has responded in the opposite direction. Which means that the market is like not buying in, and the Fed is gonna have to step in. And when the Fed steps in, they do it by printing money out out of thin air. Now, the concern about that is that when they print the money out of thin air. If they’re replacing bonds on their own balance sheet, that’s kind of a circle and it doesn’t leak out into the economy. If they’re buying new issuance from the the treasury, then that money is gonna work its way through the government to to to main street. Now, the Trump administration can prevent some of that by keeping the money in the Treasury, for example, uh, Trump 1.0 left. The Biden administration with, I think over a trillion dollars in, in the treasury checking account, and Janet Yellen put that into the economy right away during the lockdowns, which immediately created extreme inflation because you muted production at the same time you goose. Uh. Purchasing power, you know? So anybody with like three ounces of economic understanding could have told you that that inflation was gonna come, it was gonna come hard, it was gonna come fast, and it was gonna be stickier than than you thought. ’cause once you let that money out in the economy, it’s out. It’s out and the only way to mute it is either to suck it back, which is very, very difficult, or to outproduce it, and it’s very hard to produce anything when everything’s in lockdown. So I think that, you know, those days are behind us. I think the policies that we’re embracing now are more. Pro productivity. And I think that even if the Fed does have to step in, as long as that money doesn’t leak out into the economy, and part of it is the treasury being able to throttle some of that, and the money that does go into the economy doesn’t go into stimulus, but goes into CapEx and infrastructure, that’ll actually, uh, create. Production. Then I think that, you know, this, this game plan that I think they’re trying to execute has a chance. And so I, I’m, I’m watching for it. And of course, to answer your question, what do we have to worry about that it doesn’t work? Right? If it doesn’t work, then inflation will show up. Interest rates will rise, credit markets will crash, it will take real estate values with it. And the hedge is really gonna be, what I’ve always talked about is gold. I started talking back in 2018 when we were the zero bound with interest rates. Hey, there’s only one way interest rates can go and that’s up. And if they go up fast, then that’s gonna crash bonds. So it would be smart, and that’s gonna take real estate equity with it. So it’d be smart when you have real estate equity and low rates to pull some of that equity out and move it into gold. And I called that my precious equity strategy. If I have a video I did at the Vancouver Resource Investment Conference in January of 2022, explaining that when you could still really execute on that, and I’m not saying that you couldn’t do it today, but it’s harder, but the people who did it back then, I mean, you know, they’ve, they’ve seen their gold almost triple. And at the same time, they were able to lock in interest rates that are, you know, a half what they are today. So when you see those mega trends and you can begin, and that’s the stuff I didn’t know how to do in 2006, 2007. I didn’t understand any of this stuff. The, the, you know, losing everything in 2008 forced me to become a hardcore student and then try to apply that to Main Street strategy. And so I think gold and real estate and debt, they all work really well together depending on where you are in the cycle. Do you think that Main Street investors may actually have some advantages in periods like this? Yes, a ton because I think what’s gonna happen is if we have a, um, a, a, a restructure of the financial system into something more responsible, which I think is either gonna be forced upon us or it’s gonna be done by design, and I hope we do it by design. But when that happens, then the days of just buying low and selling high and riding the inflation wave that goes away. And so now it’s gonna be very, very important to understand how to invest for. Productivity. So I call it, you know, buy low sell high trading as an acronym, B-L-S-H-T you. You can sound it out for yourself phonetically. And then the other one is poo, which is productivity of others. And I think that if people focus on investing in the productivity of others, which is what Main street investors, especially real estate investors, focus on, I think cash flow, real profits on small businesses, not speculating on. Uh, exit price or a company that’s gonna take a company public, everybody trying to tap into this giant flood of money that gets pre created from thin air in the banking system and in Wall Street. If, if, if people on Main Street will just start investing. Kind of what Kenny McElroy was doing going through 2008, just focusing on sound assets and good markets with good fundamentals. That cash flow and, and are run by good managers, whether it’s a business, an apartment building, a mobile home park, a self storage, residential assisted living doesn’t really matter. Invest in real businesses that produce real profits where you’re not overpaying for that production of income and especially where there’s some upside. Not to flipping out of the stock, but to actually growing the market share and growing the income. That’s what investing really should be. Wall Street has perverted it into just placing bets and riding a wave and trying to figure out where the money is gonna flow from the Treasury or for from Fed stimulus. And I think Main Street is gonna pick up on the new game sooner. And the good news is if you get good at playing that game, even if the system stays the same, you’re probably gonna do better off anyway. When you talk about buying, buying or investing into productive businesses, I mean, what, what’s the difference in your mind between investing in a private business versus investing in a, you know, a publicly traded business that’s run off, you know, dividends? Yeah, so I, I, I think that it could be okay if the dividend yield makes sense, but anytime you have a publicly traded security, it’s a highly liquid market, which means it’s gonna be volatile and the stocks become chips in the casinos where professional traders are just gambling all day long. And some of that gambling can create an impact on the stock, and it doesn’t matter to you if you’ve only bought it for production of income. Um. And so, uh, you know, I, I don’t think it’s bad. I’ve, you know, Peter’s always been an advocate of, uh, dividend paying stocks, and I think if you’re gonna be in the stock market, that’s what you want to do. I think the opportunity in a private placement in a small business is the opportunity not to have to pay the high multiples because it’s not a perfect market. It’s, it’s the same reason there’s so much more opportunity in real estate. If real estate could trade on an electronic exchange where. You know, millions of buyers could find it, and you could have perfect price discovery. It’s very difficult to find a deal, right? It’s very difficult. But we, if you buy a private business, you know there’s gonna be considerations. You, you deal with a, a owner. Who cares about his customers, who cares about his team, maybe would be willing to carry back the way you would if you were buying a, a, a piece of property from somebody that cares about their neighbors or whatever. I mean, there’s, there’s, there’s a lot more humanity in it. There’s a lot more room for negotiation in it. And a lot of times there’s a lot more room to have control. So, you know, one of the adages with real estate that real estate investors like is, I’m gonna buy an asset, one that I understand, two that I can control. And so when you buy a stock, like a dividend paying stock, you, you might understand the business, you may not understand completely the. Uh, market dynamics that drive the stock price. But as long as the dividends are there, that can be okay, but you don’t have any control. When you actually go buy a small business, you have a, a degree of control. Now, if you’re a passive investor buying into a syndication, then you still have a little bit more, um. Relationship, you have a little bit more insight. You maybe have a voice. You may know the people that are making the decision and running the company personally. So it’s the same thing. You know, you Buck is a syndicator. When you go do a deal, your investors know you. They have a personal relationship with you. Go buy stuff in the stock market and mutual fund managers and investor. You don’t have a relationship with that fund manager and I think that’s worth something if you have a voice right. So we’ve, we’re talking a little bit about credit markets, um, volatility, you know, interest rates. Are they gonna go down like, you know, Donald Trump would like to see, and you know, we’ve got a new fed share coming, all that kind of thing. How should investors be thinking about leverage and risk right now? I, I think the adage with real estate, uh, I mean, sorry, with leverage is always the same, is, um, you know, manage cash flow. I, if, if you use leverage to speculate, that could be a real problem. And whether you did it. Do it for real estate like I did by having very thin or negative cash flow and making that up someplace else and believing that somehow, you know, rents or appreciation are gonna do it. Or buying a non-income producing asset with borrowed funds hoping it’s gonna go higher. I think that would be dangerous, but I think if you fundamentally use debt as a tool. Based on cash flows and you use conservative cash flows, you know, so the debt service coverage ratio, you know, if you have $10,000 a month going out in debt service, make sure you have at least, you know, $12,000 a month coming in on income or above. Then that’s how you begin to build resiliency into your portfolio. And the other thing is don’t borrow long to invest short, right? So your duration matters a lot. We were talking about this before we hit the record button, and I think what happens is people. Uh, make a mistake when they try to operate like a bank. ’cause banks lend short and invest long. And the only reason they get away with it is because they have the Federal Reserve Bank system backstopping them. But you don’t have that as an individual, so you better to do the opposite. Um, if you can match the durations, that’s perfect, right? ’cause then you know what your interest expense is for the, for the duration of the investment. And once you lock in the spread, then you just have the counterparty risk of the, whoever is responsible for creating that income stream that’s gonna service the debt you use to control the asset. And then it just comes down to underwriting and then recourse. And if you feel comfortable with the underwriting and you feel comfortable with the recourse, and you’ve got spread and you’ve locked in a, a duration. Um, that, that is compatible, then that can be a, a, a fairly safe way to use debt. And if interest rates work against you, then you’re okay. And if interest rates work for you, you might be able to refinance your debt and actually increase your spread, but you don’t need it to happen to be successful. Let’s talk a little bit more about what you’re doing right now. So in the past year, you’ve launched, um, several new initiatives. You had masterminds via platforms. Tell us a little bit about this and, and a little bit more what, what you’re trying to accomplish. Well, you know, after losing my wife, um, you, you go through this. Period of time of like figuring out, okay, life is short. What do I want to get done before I left die myself. And so, um, after thinking about that, I went back to really what I came to do when I first met Robert Helms and got involved in the real estate guys. And so I just kinda went back to home base and. Then the other thing is now I’ve got 17 grandchildren, and so I’m thinking a lot less like a father, more like a, a grandfather, a founding father. And, um, and so I’m thinking about what the world is gonna be like in 40, 50, 60 years, and what can I do to plant a seed that will make that world better for my grandchildren? And so I, I did a couple things. One is, um, after I left the real estate guys, we were going through a merger with Ken McElroy, George Gammon and Jason Hartman to create, um, a mastermind group, which we did. And I, I was CEO of that for the. The year during the merger. And that took up some time. And the second thing I decided to do, uh, ironically, it was after a conversation I had with Charlie Kirk. I had a conversation with Charlie Kirk. I said, Hey, I’ve got this idea to help, uh, K through 12 get involved in, in capitalism by starting businesses or working with businesses. Their parents start, and I explained to him the model. He goes, I love it. I want to help you. And so that encouraged me. And then I had a follow up meeting in January of 20. 24 with Mark Victor Hansen, and he really encouraged me. And so with the strength of those two endorsements, I go, you know, I’m gonna do this. And so, uh, I left the real estate guys in, um. March, late March of 2024, and in the summer of 2024, I, I launched the Raising Capitalists Foundation, and people can learn more about that by going to raising capitalists plural.org. And I, I literally launched it at Freedom Fest on July 13th, 2024 and five minutes before I took the stage, Donald Trump got shot. Always remember where I was and how distracting it was, but I did record that presentation and it’s on the website, and so it explains the model. But in, in short, it’s pairing, um, or it’s, it’s putting parents who are in what Kiyosaki, uh, rich Dad would call the E-Class employees. And, uh. Put them under a mentorship program with experienced entrepreneurs and investors to help them start a business, a side hustle. They need the money and they need a mentor. And so then they, um, it can create a situation where their children can come to work for them in the business. And today, information Society, you know, there’s a lot of things kids can do where they learn real life skills, um, working with their parents. So that’s what the Raising Capitalist Foundation is all about. Then I launched two shows. Uh, in 2025, uh, one is I literally just launched like a week ago, and that’s. That Donald Trump video was really the first one that I put out, the Donald Trump versus Peter Schiff video on YouTube. I haven’t even started the podcast side of it. Um, and in on September 27th, uh, on pray.com, I started, uh, another show that, that one’s called the Main Street Capitalist. So if you go to YouTube and look at the Main Street capitalist, you’ll, you can find me there. And then the other one I created was the Christian capitalist. And I kind of went back to, you know, my, my core roots of realizing when I started looking at. Where the country was at, John Adams said that, um. Our Constitution was designed for a moral and religious people and is really wholly inadequate for any other, and so I thought, you know what? I’m I, I’m going to do that because my experience as a, as a Christian businessman is that I find that sometimes the stuff I get in church is more consumer oriented, and it doesn’t, it’s more employee oriented. I, I don’t. And, and then the other part of that is I created a, a ministry called Fellowship, a Christian capitalist, which is really about helping people put purpose into their business and then, you know, express their faith. Love your neighbor. Through their business. And so I’ve got all these different initiatives going and then I created the Main Street Media Network because I wanting to reach youth. I hired a YouTube coach and I said, look, I want to create content to encourage youth. He goes, that’s great. You can’t do it. You’re too old, he said, so what you need to do is find young people you can mentor and teach them the things that you’ve learned and let them teach it in their own words and they’ll reach their generation better than you. So with Main Street Media Network, I’m I, I’ve got. Two guys that I’m apprenticing right now, but I’m gonna be adding a lot more. Um, one, one young man is 20 years old, the other one is 26 years old. And, uh, I just came back from the Turning Point USA event where we had a broadcast booth and they were conducting interviews and I did the New Orleans Investment Conference. And so these guys are sitting down with Peter Schiff, Robert Kiyosaki, Mike Maloney, Ken McElroy, you know, you, you know what that did for you, buck with your show. You know, you, you met all these people through us and then you. We’re able to build upon that and create a very credible show. So I’m doing that for these guys that are in their twenties with the idea that they will be able to reach a generation of people. Uh, I call it putting Boomer Wisdom in Gen Z mounts. I mean, they get to process it and it gets to be their own. And I’m helping them build financial podcasts that actually make the money and is the foundation of, in this case, they’re both capital raisers of their capital raising business. I got all these different things going, but I’m doing it through leaders, so I’m not trying to do all things myself. Yeah, yeah. Um, but I’m building out an ecosystem to accomplish all these goals and so far so good. It’s a lot. Sounds working like a young man, man, man. I’ll tell you that. I know, I know. Wow. I I thought you were gonna slow down after you. No, I’ve actually, I put my, I put, I put my foot on the gas. I, I’ve probably never worked, uh, harder. Um, but I, I think I’m working smart, you know, so I’m hiring coaches and I’m bringing in, um, leaders and going through all that EOS and organizing to scale stuff. Sounds good. Well, always a pleasure, Russ. Um, make sure not to be a stranger to have you on again, um, you know, in a few months and figure out where you’re going with all this stuff. All the new things that you’ve accomplished, but it’s, uh, it’s great to see you. Well, happy to be here, proud of you. Uh, keep up the good work and keep educating people. Thank you. 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 concepts 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. As always, Russ, uh, is, uh, you know, he’s, he’s got a lot of wisdom. He is the guy you really wanna listen to. And I would encourage you to follow his work anyway. Uh, just pivoting back, you know, to where this economy is and all that. I think for me personally, it’s about allocating capital in a market that is a, uh, is certainly losing value in its dollars. And, um, and I think that we’re gonna continue to see that. Speaking of that, make sure if you haven’t, as I mentioned before, sign up for the Accredited Investor Club. Go to wealthformula.com, go to investor club, as we have plenty of those types of things that are hedging against inflation, um, saving taxes in terms of tax mitigation strategies, that kind of thing. Check it out. That’s it for me This week on Well Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Congratulations....You Made It To Tuesday!!!! Poindexter Is In Trouble, Kids Packin' Heat And It's Dad's Fault, Stickin' A Sweet Tater In Your Man Crater, Dem Bones, Listener E-Mail, To Tell The Truth, & CES Got Weird!!!

Samantha now has a custom-fabricated rear end from Trail-Gear. Tyler, Husmann, and Jimmy did a lot of math to try to figure out where to make the cuts so that the axle would be perfect. Today They boys try and explane how this math works and how you can figure it out on your own if you’re making a rear axle. 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

Investing. It can feel daunting, confusing or just too hard. The great news is that getting started is not as difficult as you might think. The stock market is a powerful wealth-creating machine, yet so many people miss out on utilising it. That's why back in 2019, we created this series to break down the barriers and explain how to start investing. 7 years on, we're doing it again! An updated (even simpler to follow) 12 part series, sharing everything we've learned about investing to help you get started or to remind you of why it's so important. Welcome to the first instalment! And if this is your first episode. Congratulations: your investing journey has officially begun. In this episode you will learn:What is Equity MatesWho we are – Bryce & RenOur first investments4 reasons why we invest (and you should too!)——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered. ———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.

Gin Blossoms scored a surprise hit with their second album New Miserable Experience. However, that success was bittersweet. Most of the songs were written by Doug Hopkins who was fired from the band while making the album due to his increased unreliability due to his alcoholism. A&M Records made things worse by making him sign over his royalties despite the fact he played on the majority of the release. Hopkins committed suicide in 1993 so, despite a top 10 hit from the soundtrack to Empire Records, it was a while before another Gin Blossoms album came out. When it did the title pretty much said it all. 

Read transcriptPicture this: it's the early 2000s, the first Fantastic Four film is about to hit theaters, and someone at a video game developer says, “You know what would be the perfect way to capitalize on this intellectual property? A side-scrolling action game on the Game Boy Advance where Reed Richards appears to have been replaced by his less scientifically-inclined brother in law (close enough, give me this one) and the Thing is made entirely of texture-mapping nightmares.” Congratulations, you've just invented Fantastic Four Flame On! It's a game that managed to take four of Marvel's most iconic heroes and somehow make them feel more constipated than a chemistry lecture taught underwater. Joining us this week is the absolutely phenomenal Scott Niswander from NerdSync (the man who can explain the entire Marvel mythos while simultaneously making you question why the Human Torch doesn't just solve every problem by setting it on fire) and It's (Probably) Not Aliens (where not even Sue Storm's force fields could save Ancient Aliens from the debunking). Together we'll navigate a game so baffling in its design choices that you'll start wondering if the developers were actually aliens trying to understand human entertainment and coming up just slightly short of the mark. Will our heroes discover that the Game Boy Advance's technical limitations somehow made this game better than it had any right to be? Can Scott explain why this game exists in a way that doesn't make all of our brains feel like Alicia Masters trying to sculpt in the dark? And most importantly, does “Flame On” actually let you catch things on fire in any meaningful way, or is it just an elaborate metaphor for combusting under pressure? Strap yourself in for an episode more chaotic than trying to explain Fox's Fantastic Four continuity to anyone born after 2010. Learn such things as: How do you make the Human Torch work in a side-scroller without just turning it into a horizontal beam-spam simulator? Did Fox's movie curse extend all the way down to the humble Game Boy Advance? How did Johnny Storm have time to do all this stuff considering the timeline of the movie? And so much more! You can find Scott at The NerdSync YouTube channel, on Twitter @NerdSync or on the NerdSync Patreon page. Also check out It's (Probably) Not Aliens to hear Scott and Tristan Johnson debunk Ancient Aliens. If you want to be a guest on the show please check out the Be a A Guest on the Show page and let me know what you're interested in. If you want to help support the show check out the Play Comics Patreon page or head over to the Support page if you want to go another route. You can also check out the Play Comics Merch Store. Play Comics is part of the Gonna Geek Network, which is a wonderful collection of geeky podcasts. Be sure to check out the other shows on Gonna Geek if you need more of a nerd fix. You can find Play Comics @playcomics.bsky.social on Bluesky, @playcomicspodcast on Threads ,@playcomics on YouTube, or the Play Comics website. If you want to hear Chris talk with Karrington Martin about the lessons we learned from children's media and how crazy it is that we're supposed to just forget about that now that we're adults, then Sugar, Spite, and Everything is Fine is probably something you should check out. A big thanks to Gender Pop and Distant Echos for the promos today. Intro/Outro Music by Backing Track, who would make Jiffy Pop with just his hands if he had fire powers.Support Play Comics by contributing to their tip jar: https://tips.pinecast.com/jar/playcomics Check out our podcast host, Pinecast. Start your own podcast for free with no credit card required. If you decide to upgrade, use coupon code r-89f00a for 40% off for 4 months, and support Play Comics.

The UFFL is a Fantasy Football League comprised of 12 teams. It's members all came from a triple-wide trailer in the heart of Bristol, CT - where as young Sports Television (think 4 letters) Production Assistants, they battled for pride and very little money in the greatest fantasy football dynasty league...EVER.      On the "UFFL: TOTAL NONSENSE PODCAST" you will hear behind the scenes stories and insider info about the league, it's odd owners, and the current fantasy football season. So stay tuned and learn from fantasy football legends (not really) about football (maybe), fantasy sports (possibly), life (doubtfully), and about the UFFL owners themselves (regrettably)!     It's the Ultimate Fantasy Football League...     in podcast entertainment form...     brought to you for F-R-E-E!!     By God, it's nearly worth every penny!#Recorded Friday, January 9th, 2026UFFL Bowl XXII & Season Review!________________________________________________We have a New Champion!Free Jamal is the 2025 UFFL Champion after winning UFFL Bowl XXII!Congratulations to Jeremy on his 1st UFFL Bowl Trophy, as he joins the rest of the Division of Champions with some hardware in the trophy case!John B., Chris, and The Commish have all the details on a thrilling UFFL Bowl XXII, and then review the entire 2025 UFFL Season. It's the 2025 Season wrap-up, and our final show until the 2026 off-season kicks into high gear with our Rookie Draft Predictions, Team roster reviews, and everything we can think of!Thank you for listening, and here's to 22 years of the UFFL!___________________________________________________________________________UFFL BOWL XXII CHAMPION – FREE JAMAL / Jeremy Kozinski________________________________________________________________________________________________________UFFL BOWL XXII FINAL_____________________________ Free Jamal 143 – Vicious & Delicious 140–– The Bronze Medal Game (for 3rd Place Overall) ––The Mission 143 – Mutt & Jeff 112______________ 2025 UFFL______________– East Division –yz* 1.   Mutt & Jeff (Chris) – 11-2-1x 2.  Free Jamal (Jeremy) – 8-6x 3.  Waiver Wire Heroes (John B.) – 7-7e 4.  Gurley's Gone (John M. and Ben) – 4-10____________– Central Division –y 1.   Vicious & Delicious (Scott/Commish) – 8-6x 2.  Cardiff Giant The Giant Killer (Matt M.) – 8-6e 3.  Impact of Olestra (Jason) – 6-8e 4.  Kick-Ass Philanthropists (Dave) – 4-10____________– West Division –yz 1.   The Mission (Matt V., Matt C.) – 10-4e 2.  Rochester Tschmingus (Brian) – 7-7e 3.  West Coast 4 Life (Thomas) – 6-8e 4.  Compton's Most Wanted (Aladdin and JPete) – 4-9-1x - Clinched Playoffs | e - Eliminated from Playoffs | y - Clinched Divisionz - Clinched Bye | * - Clinched #1 Seed_____________2026 Rookie Draft Order1. GG2. KAP3. IMP (thru CMW)4. IMP5. WC4L6. RT7. GG (thru WWH)8. RT (thru CGTK)9. TM10. MJ11. VD12. KAP (thru FJ)

God wants to make us whole spiritually, emotionally and physically. In today's message, Pastor Jeff Ables discusses what it takes to be made whole. 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

This year's prediction contest is live on Metaculus. They write: This year's contest draws directly from that community, with all questions suggested by ACX readers. Both experienced forecasters and newcomers are invited to participate, making predictions across U.S. politics, AI, international affairs, and culture. To participate, submit your predictions by January 17th at 11:59 PM PT. At that time, we will take a snapshot of all standing forecasts, which will determine the contest rankings and the allocation of the $10,000 prize pool. While you are encouraged to continue updating your predictions throughout the year, forecasts made after January 17th will only affect site leaderboards, not contest rankings. You are welcome to create a bot account to forecast and participate in addition to your regular Metaculus account. Create a bot account and get support building a bot here. And they've also announced this year's winners for best questions submitted. Congratulations to: Gumbledalf ($700) espiritu57 ($500) setasojiro843047 (Substack handle) ($400) sai_39 ($300) nicholaskross ($250) (Anonymous) ($200) (Anonymous) ($200) RMD ($150) (Anonymous) ($150) Hippopotamus_bartholomeus ($150) To participate in the tournament or learn more, go to Metaculus. https://www.astralcodexten.com/p/acxmetaculus-prediction-contest-2026

This week, Hackaday's Elliot Williams and Kristina Panos met up over coffee to bring you the latest news, mystery sound results show, and of course, a big bunch of hacks from the previous seven days or so. On What's That Sound, Kristina had no idea what was going on, but [Flippin' Heck] knew it was a flip dot display, and won a Hackaday Podcast t-shirt! Congratulations! After that, it's on to the hacks and such, with not one but two ways of seeing sound.  We also take a look at benchmarking various Windows releases against each other on 12-year-old hardware. We also talk about painting on floppies and glitching out jpegs in a binary text editor. Finally, we discuss the history and safety of autopilot, and take a look at the humble time clock. Check out the links on Hackaday if you want to follow along, and as always, tell us what you think about this episode in the comments!

Katy enjoys checking her Venmo each morning to see if she has hit the millionaire jackpot. So far, it hasn't happened, but she's keeping her fingers crossed! Just the other day, she woke up to find that someone had generously donated $20 to her account! Congratulations, Katy, just $999,980 left to reach your goal!The fun continues on our social media pages!Jeremy, Katy & Josh Facebook: CLICK HERE Jeremy, Katy & Josh Instagram: CLICK HERE

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Tyler and Jimmy talk about the last two weeks. They haven’t seen each other in a long time, so they had a lot to catch up on, including Christmas and New Year’s. Tyler tells us all about his family’s last-minute change of plans. Jimmy talks about his five holiday parties and a fun New Year’s Eve. 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

Welcome to Indulgence Gospel After Dark!We are Virginia Sole-Smith and Corinne Fay, and it's time for our annual Ins & Outs Episode! This is what we do every New Year, instead of making resolutions or setting problematic body change goals. It's deeply unserious but still satisfies that urge to reflect and make some (fun) plans for the year to come! Listen to hear... ⭐️ The pants Virginia forgot she was wearing. ⭐️ The food trends Corinne is SO OVER. ⭐️ Virginia's new religion!!To hear the whole thing, read the full transcript, and join us in the comments, you do need to be an Extra Butter subscriber.Join Extra Butter!

Think about the histories of your family or memories from your past. What if you recounted them with a dash of magic? What happens when we infuse our stories on film with some magical realism? Tonight's edition of APEX Express features three filmmakers who created magical realism short films centering AAPI women. Listen to directors Cami Kwan, Dorothy Xiao, and Rachel Leyco discuss their films and experiences behind the scenes with host Isabel Li. Cami Kwan: Website | Instagram | Seed & Spark Dorothy Xiao: Website | Instagram  Rachel Leyco: Website | Instagram   Transcript 00:01 [INTRO] Isabel: You're tuned into Apex Express on KPFA. Tonight's edition is all about stories. Think about the histories of your family or memories from your past. Now, what if you recounted them with a dash of magic? What happens when we infuse our stories on film with some magical realism? I'm your host, Isabel Li, and today we have three very special guests, Cami Kwan, Dorothy Chow, and Rachel Leyco. All of them are AAPI filmmakers who received the Julia S. Gouw Short Film Challenge grant from the Coalition of Asian Pacifics and Entertainment and have created short films featuring AAPI stories with magical realism. My first guest of the night is Cami Kwan, a Chinese-American director specializing in stop-motion animation who directed the short film Paper Daughter.  Hi Cami, welcome to APEX Express!  Cami: Hello, thank you so much for having me. Isabel: How do you identify and what communities do you consider yourself a part of?  Cami: So I identify as a queer Asian American woman um and I am a descendant of immigrants, of Chinese immigrants. um Then the communities that I am part of, part of the queer community, part of the Los Angeles community, part of the Chinese American and Asian American community, part of the mixed race community and part of the stop-motion animation and independent artist community.  Isabel: I'm so excited to talk to you about your upcoming short film, Paper Daughter, a gothic stop-motion animated Chinese-American fairy tale about a young woman grappling with the guilt of using the identity of a deceased girl to immigrate to the US via Angel Island in 1926, which is such a fascinating concept. Can you tell our listeners a little bit about how you came up with this story and the historical specificity behind it?  Cami: Absolutely, yeah. So like I mentioned, I'm the child of immigrants, descendants of immigrants rather. So my great grandparents immigrated to the US from China. My great grandfather came over in 1916 and my great grandma came over in 1926. And so I've always grown up knowing the story of Angel Island and knowing the story about the paper sons and paper daughters who had to find any way into the United States that they could. And so they were forced to, you know, take on the identities of other people. And those stories have always stuck with me, you know, like it's very personal. Angel Island means a lot to me and my family. And just the extreme measures that people have always had to take just for the chance at a better life have always been really meaningful to learn about. just the like, I'll use romances in like the art movement, like romantic. It's very romantic and kind of fairy tale-ish, the idea of having to take on a new identity and pretend to be somebody that you're not. And often those identities would be people who had passed away, and then those families had then sold those identities or given those identities to new people. And so it's so interesting the idea of being like the last person to know somebody so deeply, but you'll never get to meet them and you'll never be able to thank them or repay what they sacrificed for your future. And that's kind of how I feel as a descendant of immigrants. The sacrifice that my family made for me was made so long ago that there's no way for me to ever pay it back. And I didn't really get a say in whether I received that sacrifice or not. And I think a lot of descendants of immigrants kind of have to struggle with this. What does it mean for us to be given this new chance at the cost of somebody who came before us? And so that's all of that kind of rolled up into this 14-minute film. Isabel: You describe your film as being in a gothic style? Can you describe what this looks like and why gothic?  Cami: The subject matter is just so naturally gothic. It's dealing a lot with death and a lot with guilt and those big capital R romantic subjects and stuff. My day job, my day-to-day job is working in stop-motion animation directing mostly like children's series and mostly toy related stuff. And so I spent so much of my time in the happy brighter like birthday party storyline kind of like space. But what really made me want to be a filmmaker in the first place were all these like heavier themes, these bigger themes, films by Guillermo del Toro and like Tim Burton and Henry Selig and Hayao Miyazaki and all of those kind of have this like gothic edge to them. And so that's like a story that I've been a type of story I've been wanting to tell for about a decade now.  Isabel: Stylistically, how does this show up in your film? So I imagine darker colors or do you have a visual like preview for us?  Cami: it is a little bit in the darker color space, but it's still very colorful despite all that. It's moody more so than dark, I would say. um We have a lot of like light and dark themes, a lot of like shadow. stuff and um a lot of magical realism, which is where that fairy tale aspect kind of comes in, because you're dealing with things that are so abstract, like guilt and sacrifice and wearing the identity of somebody else, that there's no literal way to convey that. Well, there are literal ways to convey that, but none of those literal ways I feel fully convey the emotional weight of everything. And so we've gone in this very magical realism space where people are tearing information out of these booklets that contain information about the person they're supposed to be and creating these paper masks out of them. And so yeah, there's this whole like magical aspect that tends to be kind of darker. There's imagery of just like being consumed by the identity that you're just supposed to temporarily wear. And there's a lot of like, yeah, there's a lot of darkness in those themes, I think.  Isabel: Wow, that's so interesting. I'd love to learn more about stop motion. What does stop motion make possible that isn't as easily accomplished through other forms of filmmaking? Cami: Yeah, I think the reason why I'm drawn to stop motion, what I stop motion makes possible is like a universality of just like a human experience because with other kinds of animation and other kinds of filmmaking, like there is kind of like an opacity to like how it's made. There's this this veneer, this magic to it, and there's that magic to stop motion too. But the difference between all of those and stop motion is made out of like everyday materials. It's made out of fabric. using paper. We're using clay. We're using materials that people have encountered in their day-to-day lives. And like, that's the one thing that we are all guaranteed to have in common is that we live in a material world and we encounter these textures and materials around us. so by like taking such a specific story and trying to convey such universal themes, it really like behooves us to be using like um a medium that is as universal as stop motion is. So I think that's like the big thing that stop motion unlocks for us. Plus also story-wise, like it's very paper centered, paper daughter, they're tearing paper strips, they're making paper masks. So like physically using these paper textures adds a lot to our world. um And I think working in stop motion gives you a degree of control that live action doesn't give you because we're creating. all of our characters, all of our sets by hand, which gives us so much of a say over what they look like and what they convey based on how they're constructed and stuff. And that's just a degree of communication that nothing else brings.  Isabel: I love that this is a magical realism film and you mentioned Guillermo del Toro. I know that in your campaign trailer, you featured Pan's Labyrinth, which is my all-time favorite movie.  Cami: Me too! Isabel: Yeah! How exactly did you come up with this specific blend of history and fantasy for your film?  Cami: I think that it's almost a natural human instinct to kind of have history and fantasy. Like, that's all that histories are, just stories told to us. And it's just being less literal about it and really leaning into the metaphors that we might use to convey the emotional realities of those histories, right? And so I feel like Del Toro does that a lot with his work. And Miyazaki as well does a lot of that with his work. So much of it deals with unpacking like World War II and things like that. And that's something that I've always just personally been drawn to. Even as a kid, my dream jobs were archaeologist or animator. And so here I kind of get to like do a little bit of both of those, know, like using the magic of animation to make history feel a lot more present and tangible and like emotionally relevant, which is It's really quite poetic to be able to be telling this story right now because it's going to mark the 100 year anniversary of my great grandmother's immigration to the US. I think we are due for an examination of immigration in our country. And I'm very interested to see how people respond to the questions that this raises of how different is the immigrant experience 100 years later. Have we gotten better? Have we gotten worse? Like I would posit it's perhaps worse now than it was then, but I'm really hoping to like, yeah, bring that reality into a more approachable space. And I feel like having that blend of magic and history just makes it a little bit more approachable than telling it in a literal way, you know? Isabel: Those are some great questions to ask. And on that same note, I'm interested in the specificity of Angel Island as well. What types of research did you do to produce your film?  Cami: Oh, gosh, I read every book I could find about it. have… How many books were those? Oh, my gosh, I want to say, like, not as many as I want there to be, you know? Like, Angel Island is not as well covered in history as places like Ellis Island, and there's a lot. to unpack as to why that may be, especially like the racial aspect of it. But I probably read about a dozen different books to prepare for this film. One of the most concrete and useful books that I read is a book called Island, and it's a collection of the poems that are carved into the walls of the men's barracks that remain on Angel Island. And those poems are a huge part, perhaps, the reason why Angel Island has even been preserved as a historical landmark. And so um the three authors went to great pains to replicate these poems, translate them into English, and provide a lot of historical context for the different topics of the poems. And there's a lot of like first-hand testimony from people who immigrated through Angel Island that they interviewed and included in this book. And so I do think that that book, Island, is like the primary source of most of my research for it. Everything else is more like quantitative history and quantitative data. Oh, also The Chinese in America by, I believe it's Iris Chang, that it's not just about Angel Island, but I read that and that gave me a much better understanding about like the place that Chinese immigrants have in American history. Because when I was a kid, like I really only ever learned about great grandma came over through Angel Island and now we're American and we live in America. But our history, as far as I was ever taught, begins and ends with us entering the United States. And so reading um the Chinese in America gave me a much broader understanding about, like, why did we leave China in the first place? And like, what has it meant for us to be in America as Chinese people since then? Yeah, all that came out of like in 2020 and 2021 when the rise of anti-Asian hate crimes were kind of coming about. I personally had to have a huge reckoning with like my racial identity and like how that has impacted like my experience growing up as a mixed-race person who's pretty perceivably Asian and all that stuff. So it was a really whole circle broad situation. Oh, I want to do a quick shout out to the Angel Island Immigration Station Foundation. They were very generous with their time and they answered a lot of my questions and sent me a lot of archival images from Angel Island. So I want to thank them so much for their help in the research process of this.  Isabel: Oh, wow. How fascinating. Did you have any expectations on how the production process was going to go? And now that you're on the other side of it, what are your reflections?  Cami: I had no expectations as to whether we were going to get outside funding or not. Like I, I'm not an experienced or adept grant applicant. Like, it was really just because this was the right kind of project to fit with those kinds of grants. So I had no expectations there. So I am beyond thrilled to have received the support from Cape and Janet Yang and Julia S. Gouw and Shorescripts that we've received, like beyond thrilled for that. So that exceeded all of my expectations. um But as far as how the actual production has gone, the fabrication and the animation and the post-production, that's all stuff that I'm extremely familiar with. Again, that is my day-to-day life, that is my job, that is like what I have done for the last eight years at my studio, Apartment D.  So that all went pretty much as I hoped and expected that it would, but here on the other side, the one thing that has surprised me about it was how much love all of the artists put in this project because like we've said so much in this conversation, there's so much specificity to this. This is about my great grandma. This is about my family and my feelings about being a descendant of immigrants. It's so specific that I wasn't sure how emotionally it would resonate with anybody else that wasn't me or wasn't part of the AAPI community, you know?  But every single person — doesn't really even matter if they were Asian, doesn't really even matter if they have a specific connection to immigration — every artist that I asked to join me on this project, I immediately understood what it meant and understood what we were trying to say. And they put so much love into it. And like, we all put a lot of love into everything we do. It's stop motion. It's like, you don't do this unless you love it, you know, because you certainly are not doing it for the money or anything. um everyone was just so…I'm gonna say careful, but I don't mean careful like cautious. I mean careful like full of care. And I did not expect that and I am so grateful for it. Yeah, looking back, it's just so precious and so tender and like I'm so fortunate to have had the crew with me that I had to make this film.  Isabel: That's so lovely. What are you most excited about upon completing your film?  Cami: I'm just excited to share it with the world. I'm so proud of it. It is truly, and I'm not just saying this because it's my baby, but it is very beautiful and it is very special. For a lot of us, one of the first times that we've been able to be in charge of our own departments or to make the decisions that we wanna make and tell things, do things, show things the way that we think they should be done. And so it's kind of significant for many of us to have this film come out and to be received. What I want people to take away from it is an appreciation and a gratitude for everything that has had to happen for us to be where we are now. And I also really want people to take away the unconditional love that has occurred for us to be in the country that we have and to be the people that we are. Every single person is where they are. doesn't matter if you're in America or anywhere else, like we are all here because of the sacrifices that were made by the people who came before us. And those were all made out of unconditional love. And that's like, I want people to come away from this film remembering that our country is built on the unconditional love and sacrifice from people who came before us. And then wanting to give that unconditional love and sacrifice to everybody who's gonna come after us. Isabel: Such an amazing message. And I know that there's still lots to do and you still have a lot to celebrate with your upcoming film and with the festival circuit with Paper Daughter. But looking ahead, do you have any plans of what you want to do after the short film?  Cami: Yeah, I would love to bring it into a feature. There was so much that we had to cut out to make this film. On one hand, I'm glad that we cut out what we did because I think the film as it is, is like so tight and so like airtight and good and perfect and sparse in a really nice way, but we don't even get to delve into life before Angel Island. It begins and ends on the island, and I would love to explore the stories that brought this all about and the stories that come after. So bringing this up into a feature version and getting that in front of people would be amazing. And I have a couple other short film and feature film and script ideas that I would like to start working on as well. I've kind of really, I'm really grooving on the like Asian early Chinese American history. um So most of them are going to be set in California and focus on like Chinese immigrants and their role in the founding of America. um I'm really excited for the like, after all the film festivals, I really want this film to end up in classrooms. And I even just the other day like I have a friend who's a third and fourth grade teacher and she showed it to her class and then the students asked me questions about Angel Island and about animation. if this can play any part in helping to spread the story of Angel Island and the people that immigrated through there, like that's all that I could ever want from this. So I'm really excited for that.  Isabel: That's wonderful. I'll put your website, social media and seed and spark page for Paper Daughter up on kpfa.org so our listeners can learn more about this stop motion film and get updates for how they can watch it. I can't wait to see it when it comes out. And Cami, thank you so much for joining me on Apex Express today.  Cami: Of course, thank you so much for having me. It was a great, great time talking with you.  Isabel: You just heard Cami Kwan talk about her film Paper Daughter. On Apex Express tonight, we have two more special guests who made magical realism short films. Next up is Dorothy Xiao, who made the film Only in This World. She's a Los Angeles-based award-winning filmmaker who likes to create grounded family dramas with a hint of fantasy.  Hi, Dorothy. Welcome to APEX Express.  Dorothy: Hi. Thanks for having me!  Isabel: Of course! Thank you for coming here. My first question for you is actually quite broad. How do you identify and what communities are you a part of?  Dorothy: Oh, that is a good question. I think in a broader sense. I would say, obviously, I identify as an Asian American. um But I think, like, for me, because I grew up in the 626 or the San Gabriel Valley, I grew up with a lot of people who looked like me. So I think I didn't truly identify as being Asian or had awareness of my identity until later on when I went to college. And then I took Asian American Studies classes and I was like, oh, wow, I'm Asian. Or like, what does it mean to be Asian? You know, like, I think I, at that time, prior to recognizing and understanding what it meant, and also even to be a minority, because at that, like I said, growing up in 626, even going to UCLA, where I'm surrounded by a lot of Asians, I never really felt like a minority. But I think it was really after graduating where I, depending on the spaces that I would enter into, especially in the film industry, I was learning like, oh, yeah, I am a minority and this is what it feels like. And prior to that, I think I just identified as being a daughter of immigrants. And that still is very strongly the case just because I grew up listening to so many stories that my parents would tell me, like coming from China, growing up like they grew up in China during a completely different time. I can't even imagine what it would be like living in the way that they did, you know, during the Cultural Revolution, under communism, in an intense way where they were starving, all this political stuff. But yeah, a second gen or for a lot of people, first generation, daughter of immigrants, of parents who decided that they wanted to make a better life for their kids out here in the States. I think that I want to stand by me saying that I don't feel like I am, I don't really want to identify as only just single categories all the time, just because within each community, could be, you could have nuances, right? Because I am a woman, but I'm also like a woman who doesn't want children, you know, and there was just so many different things of how I identify. So hard for me to categorize myself like that. But they are, there are tidbits of different communities. Like I still identify, identify as Asian American. I identify as a daughter of immigrants. I identify as a female filmmaker and yeah. And a business owner, I guess. Yeah.  Isabel: Right. Yes. Thank you for that nuanced answer. You know, it's so fascinating because I was reading about your work and you have worked in animal research administration and an afterschool program and even web development for nonprofits. How did you get into writing and directing?  Dorothy: Yeah. So after graduating college, I was definitely in a place where many, I'm sure, fresh grads understand what we call the quarter life crisis, where we don't know what we wanna do with our lives. And I was working at UCLA because that was the only job that I could get out of college for an animal research administration office. And really, I worked for them as a student. So I was like, well, it makes sense to have that be my full-time job, because you're in a place where you don't have skills. So how do you get a job if you don't have skills? That weird silly catch-22 situation. So I studied psychology in undergrad because my goal was to become a therapist. I wanted to work with Asian and Asian immigrant communities to help them with mental health because there's such a stigma attached to it. And being somebody who found mental health really important and also found that it was a really great way to understand myself. I wanted to work with, I guess, the people of my community. But at that time, I realized that there's still a stigma attached to mental health and it's really hard to get people to even go to therapy. Like living with my parents, it's really difficult. I cannot ever convince them to go. um And so I had pivoted into, or at least I discovered this filmmaking competition and ended up just like making a film for fun with a couple of friends, random people that um were not in film at all. And I had a lot of fun and I realized that we could actually create stories talking about things that are very similar to mental health or could provide that catharsis and validation that you could probably get in a session, in a therapy session. And it's not clinical at all. It's not as clinical. So, you know, on all those different jobs that you mentioned, they're all day jobs, know, animal research administration and then working for an after school program. That was me still trying to figure out how to be a filmmaker on my weekends. I still needed a day job. I didn't have the luxury of going to film school. So I would work at different places that gave me the flexibility of having a day job. But then also I had free time during the weekend to just make films with my friends, make friends films with people like my mom, who was one of my first actors earlier on. Love my mom. She did not do the greatest in my film, but I love her for being there for me. But yeah, like the different organizations or just jobs that I worked for were all really good in terms of providing me management skills and also communication skills because I worked in different industries, you know, and so at the end of the day, it all culminated in me at my current place. Like I am a freelance filmmaker and I also run my own video production company. So um becoming a writer, I mean, being a writer director is my main identity as a filmmaker. However, I don't think you could be a good writer-director if you don't have life experience. And having all those different jobs that I've had provided me with a lot of varied life experience and I interacted with a lot of different people, many different personalities.  Isabel: Yeah, no, I love that. So you grew up in Alhambra, which I'm familiar with because I too grew up in the San Gabriel Valley. How would you say that growing up in Alhambra has shaped you as an artist?  Dorothy: Alhambra is really special, I feel like, because in the San Gabriel Valley, there are many cities like this. You have Chinese people who can actually get by without ever having to learn English. And the same goes for Latin communities as well. And, you know, I have aunts and uncles who lived in Alhambra for years and never learned how to speak English. So I think it's like, what's so special about it, it feels like a safe space for a lot of immigrant communities. And then my parents being immigrants from China. living in Alhambra was a place where they could feel safe and feel connected to the people that they left behind in another country. And so being a child of immigrants, a daughter of like an Asian American, like a Chinese American growing up in Alhambra, I definitely felt like I grew up with a lot of people who were similar to me. know, we were like a lot of times the first American born children of our families even, and it was, we had to essentially understand what it meant to be Asian versus American and all of that.  But I think like being in Alhambra, I never felt like I wasn't seen, or at least I never felt like I was a minority. I think I mentioned this earlier, in that growing up in Alhambra, you do see a lot of people who look like you. And I have a lot of friends in the film industry who have moved out to California because they grew up in towns where they were like one, the only person, the only Asian person in their school or whatever. And I didn't have that experience. So for me, it was really special just being able to have a whole group of friends where there's a bunch of Asians. And we all spoke different languages. Like I had a lot of friends who were Cantonese speakers, but I'm a Mandarin speaker, but it was just really cool. It was like going to your friends' places and then you have aunties. So it's almost like having more family. You could feel like you have more aunts and uncles that will feed you all the time because that is the way they show love, right?  Isabel: Oh, certainly. I think there's so many stories in multicultural places like Alhambra. And speaking of which, you did in your film Only in This World. It's about an empty nester who has to face her ex-husband's mistress in order to summon her daughter back from the afterlife, which is featured in the 2025 Silicon Valley Asian Pacific Film Festival in Sunnyvale. Congratulations on such a beautiful film. I will say that I am a huge fan of magical realism, and Only in This World has some magical elements to it. So I'd love to get to know, how did you come up with this specific plot and characters that make up this film? Dorothy: Yeah, and thank you for wanting to talk about this one. It's a special story to me just because it is, I think it's the first film that I've made where I just decided to incorporate elements of where I grew up. And so Only in This World is inspired by my mom and her Tai Chi group at our local park, so Alhambra Park. My mom would go to do Tai Chi every morning for years. And in Alhambra, actually, as I mentioned, because there are so many immigrant communities, many of the immigrant communities tend to stay together with the people who speak their language. So Chinese people usually stick together with the Chinese speakers, Spanish speakers stick together with the Spanish speakers. You don't see a lot of mingling or intersectionality. But one of the special things that I saw with my mom's Tai Chi group was that they were not just Chinese people or Asian people, but there were Latino people in their group as well. And so even though they couldn't speak the same language, they would show up and still do Tai Chi every morning because it was a matter of doing something together. And so I love that a lot. And I wanted to tell a story about just older women who are finding friendship because I think that's really important in older age and in these groups because you see that a lot of the people in these Tai Chi groups are even the ones, not just Tai Chi groups, but there are dancers in the park, you know, like you'll see them in the mornings, not just in Alhambra, but in Monterey Park, all the different parks, open spaces, they'll have little dance groups.  A lot of the people who are part of those groups happen to be seniors, and I think it's just because they don't have work, they don't have children, they're lonely. And so…I think it's really important to be aware that where friendship or loneliness is actually an epidemic in the senior community. And it's really important to providing good quality of life is to just have them have that connection with other people. And seeing that in my mom, because my mom is getting older, having her be part of that community was what kept her happier. And so, yeah, and also my mother-in-law is Colombian. And she's done Tai Chi before as well with her group in Rosemead. And so I just was like, well, I'm part of a multicultural family. I want to tell a multicultural family story. Yeah, in terms of the magical realism element, I thought a lot about just how my family, if our house has ever burned down, the things that they would take out are our photos, the print four by six, like, you know, just the print photos because they're just so precious to them. There's something about hard copy pictures that is so special that digital photos just can't take over. Like there is an actual energy to how a photo is made or even like back then when we used to use film, there's energy that's required to actually create photos. And so, you know, I wanted that to be the power that powers this magical scanner where energy is taken from the picture and then you have the ability to bring someone you love back from the afterlife. And I really love grounded magical realism because I think it just makes difficult things a lot easier to understand when you add a little bit of magic to it, a little bit of fantasy.  Isabel: Yeah, magical realism is such a special genre. What part of the production process that you find the most profound?  Dorothy: I think it was just really my gratitude in how much my family came together for me and also just like the people of this team, know, like there were, I think one major situation that I can think of that I always think is really funny was, um so we filmed at my mother-in-law's house and my husband, Diego, was also working on set with me. He is not in the film industry. He's a software engineer manager. He's like in tech, but he is one of my biggest supporters. And so…when we were like, yeah, can we film at your mom's house? He was like, okay. But he had to end up being the, quote unquote, location manager, right? Because the house was his responsibility. And then, and he was also my PA and he was also DIT. Like he would be the one dumping footage. He did everything. He was amazing. And then ah one day we found out that his neighbor was actually doing construction and they were hammering. It was like drilling stuff and making new windows. They were doing new windows. And we were just like, oh, like, how do we get them to, like, not make noise? And so, and they don't speak English. And so we were like, oh crap, you know. So like, unfortunately, my producers and I don't speak Spanish, like we're all just English speaking. And then I did have Latinos working on my set, but they, you know, they had other jobs. I wasn't going to make them translate and do all that other stuff. So then Diego so kindly went over and talked to them and was like, essentially we set up. They were totally cool about it. They were like, yeah, okay, you're making a film. then whenever you're rolling sound, we'll just like prevent, like not hammer. And then so Diego is sitting outside with a walkie and talking to the first AD and other people inside the house, because we're all filming inside. don't know what's going outside. And then so like, we would be rolling, rolling. And then um the workers, I think his name was Armando, are like…whenever we cut, Diego would hear it through the walkie and he'd be like, Armando, okay, you're good to go. You can drill. Armando would drill. And then when we're going, and we'd be like, I'm going for another take. And then Diego would be like, Armando, please stop. So it was so nice of them to be willing to accommodate to us. Because you hear a lot of horror stories of LA productions where neighbors see you're filming something and they'll purposely turn on the radio to make it really loud and you have to pay them off and whatever. And in this case, it wasn't it was more like, hey, like, you know, we're making a movie and they were so supportive and they're like, yeah, totally. This is so cool. We will definitely pause our work, our actual work and let you roll down during the brief period. So we're really grateful. We definitely brought them donuts the next day to thank them. But that was just something that I was like, oh yeah, like I don't think I could have pulled that off if I didn't have Diego or if the fact, if it wasn't for the fact that these were the neighbors, know, that we were filming at someone's house and the neighbors already had a relationship with the people who lived here.  Isabel: Wow, that's really adaptable. And I'm so glad that went well for you. Dorothy, you've directed 13 films by now. Have you ever seen one of your films resonate with an audience member that you've interacted with in the past?  Dorothy: So there was this one short I had done a couple years ago called Tarot and it came at a time when I was struggling with the idea of whether or not I wanted to have kids and many of my friends are off having their first or second kids, you know, and so I never really wanted to be a mom, but then I have a partner who I can see being a great father, so I'm more open to the idea of being a mother, but it was still something I was conflicted about. And so I put this all into a short film, just my feelings of how my identity would change if I were to become a mom, because I've read so much about that. I found a Reddit thread one day where people were just talking about how being a mother is hard. And they openly stated how much they hated it. And it's okay to feel that way. And I wanted to put those feelings into this film to just put it out there like, hey, like if you don't like being a mom, even though you love your kid, you could still hate having that identity and be lost about, and it's okay to be lost or not sure about who you are. And so it was a really short film and it ended kind of open ended. It was like five minute film, so it didn't have like a full ending, but it was an open ended ending. And then afterwards I had a bunch of people come up. I had people who were parents, not just mothers, like even, or like fathers who had just had their first kid who were coming up and telling me like, oh, I totally identify. I understand that struggle of learning about who your new identity is after you've had a kid. And then I had people who were child free who were coming to me and saying like, yeah, this is a similar feeling that I've had about whether or not I should have any kids. Because, you know, as women, we have a biological clock that ticks. And that's something I feel frustrated about sometimes where it's really because of my body that I feel pressured to have a kid versus wanting to have one because I want one. And so that was a story I wanted to, or just something I wanted to put into a film. Yeah, and I also had another person come up and tell me that they were like, this was something I felt, but I never really openly talked about. And so I resonated a lot with this and it just helped basically articulate or helped me identify like, oh, I totally feel this way. And so that was really validating to me as a filmmaker because my goal is to reach others who don't feel comfortable talking about certain things that they tend to hide because I have a lot of those types of thoughts that I might feel ashamed or embarrassed to share. But then I put it into a story and then it makes it more digestible and it's like, or it's more, it's entertaining. But then like the core message is still there. And so people watch it and if they feel that they can connect to it, then I've done my job because I have resonated with somebody and I've made them feel seen. And that's ultimately what I wanted to do when I wanted to be a therapist was I just wanted to make people feel seen. I wanted to make them feel connected to other people and less lonely because that's something that I also have struggled with. Yeah, so filmmaking is my way of putting something small out there that I feel and then finding other people who feel the same way as me. And then we can feel validated together. Isabel: Ah yes, that is the power of film, and Dorothy's work can be viewed on her website, which I'll be linking on kpfa.org, as well as her social media, so you can get new updates on what she is working on. Dorothy, thank you so much for joining me on APEX Express today!  Dorothy: Thank you! Thank you for having me, it was so great to meet you!  Isabel: That was Dorothy Xiao, our second guest for tonight's edition of Apex Express, featuring magical realism AAPI filmmakers. Now time for our final guest of the night, Rachel Leyco, who is a queer, award-winning Filipina-American filmmaker, writer, actress, and activist. We'll be talking about her upcoming short film, Milk & Honey.  Hi Rachel, it's such an honor to have you here on APEX Express. Rachel: Hi, thank you so much for having me.  Isabel: How do you identify and what communities do you consider yourself a part of?  Rachel: Yeah, I identify as a queer Filipina-American. Isabel: So we're here to talk about your short film, Milk & Honey, which is about an ambitious Filipina nurse who leaves her family behind in the Philippines to chase the American dream in the 1990s and facing conflicts and hardships along the way. How did you come up with this specific 90s immigration story?  Rachel: Yeah. So Milk and Honey is inspired by my mom's immigrant story. you know, that's really her true story of coming to America in the early 1990s as a very young Filipina nurse while, and also a young mother and leaving behind her daughter, which was me at the time. um you know, following her journey in the film though fictionalized, a lot of the moments are true and there's a lot of exploration of assimilation, cultural barriers, loneliness and the emotional cost of pursuing the American dream.  Isabel: Yeah, when I read that synopsis, I immediately thought of this short film could totally be something that's feature length. How did you sort of this story to something that is like under 15 minutes long?  Rachel: Yeah, so I wrote the short film script first. And actually, you know, this is a proof of concept short film for the feature film. I actually wrote the feature film script after I wrote the short because there was just so much more I wanted to explore with the characters and the story. It definitely couldn't fit into a short film, though I have that short film version. But there was just so much richness to my mom's story that I wanted to explore, so I expanded into a feature. So I do have that feature film version, which I hope to make one day. Isabel: And you mentioned that this film is inspired by your mom's story. Is there any other sort of research that you did into this story that really helped you write? Rachel: Yeah, one of the main reasons I wanted to write the story, I mean, there's many reasons, but one is because there, if you ask the average American or the general public, they won't really know why there are so many Filipino nurses in the healthcare system. Because if you walk into any hospital, you'll see a Filipino nurse, more than one for sure. ah so I was really curious about the history. ah Having my mom as a nurse, my sister's also a nurse, I have a lot of healthcare workers around me. I grew up with that. I, you know, growing up, I also didn't really know or learn Filipino American history because it's not taught in schools. And I, you know, I took AP US history and didn't learn anything about, you know, my culture and our history. It's, not in the books at all. And it wasn't until like my early twenties that I was really curious about my roots and my upbringing and what it means to be Filipino-American specifically. And so um I really went into like a deep dive of just researching Filipino-American history. And specifically last year, I had been wanting to tell a story about a Filipino nurse because of my proximity to it with my mother. And you know, myself being an artist, being a filmmaker in the industry, there's so many medical shows out there, like, know, Grey's Anatomy, that's been long running, but very, very few, and rarely do we see Filipino nurses at the forefront and at the center of those stories. um You know, rarely are they series regulars. You know, sometimes they'll feature a Filipino nurse for like one episode or two and, you know, a recurring or a side character, but Filipino nurses are never the main character, never the series regular. And so that was another big driving force for why I wanted to make this story. And, you know, really making my mom's character the center of it. And so as far as like research, too, I definitely interviewed my mom and I asked her to just tell me her her entire story and specifically why she even wanted to move to the United States because she could have stayed in the Philippines or she could have moved somewhere else. um she saw a newspaper or her friend actually at the time when she was in a nursing school, a friend of hers saw an ad in the newspaper that America was sponsoring nurses. And so she had it in her mind already like, oh, yeah, I've heard of America. I've heard of the United States that it's, you know, there's better opportunities for me there. And at the time she had just had me. And so she had, you she's a young mother. She's trying to take care of her baby, her newborn. And so, you know, she had her eyes set on moving to the United States and that's kind of how her journey happened. And on top of that, I also did my own research on you know, our history, I watched this really amazing documentary um by Vox. It's on YouTube. It's all about why there are so many Filipino nurses in America. And it really just ties back to U.S. colonization. And after World War II, was so many, there was big nursing shortage in the United States. you know, white Americans did not want to, you know, fill that role. So they turn to Filipino women to fill the gap.  Isabel: Yeah, was there something special about the production process that looking back, you would want to replicate in the future or that really speaks to you?  Rachel: Absolutely. um Yeah, mean, definitely this experience and a lot of the people that I brought on to this project, I want to continue to make films with them and continue to make art with them because um I'm just so proud of the team that we put together. Everyone was so passionate and they knew how important the story was. They also had their own special connection to the material that they brought so much heart and passion into the film. that really comes through in the project. so like a lot of the people I brought onto this film, I want to continue to make art with them forever. That's one thing that I'm really, really grateful for, because I got to work with some really awesome people that I had never worked before or I had been wanting to work with. And so it was such a great opportunity that was given to me to be able to connect with such amazing and talented AAPI creatives in my circle.  Isabel: Yeah, I saw on your Instagram page for the film that you shot this film in both Los Angeles and Austin, Texas. Have you ever done a production where you had to sort juggle two different sets in two very different locations? And how was that entire process?  Rachel: Yeah, that was really, it was really fun. It was my first time being able to film in two different cities, let alone like two different states, really. A lot of my past projects have just been, you know, shooting it with the resources that I had that were available to me. You know, usually like my past short film, Thank You for Breaking My Heart, that I did last year, we shot all of it in one location, which was of course like, know, that is something that's really impressive in and of itself, of course. But, you know, because of the bigger budget that we had for Milk and Honey, I really wanted to challenge myself with this. And I really advocated for filming a part of the film in Texas because it is set in Texas. I was raised there. That's where my mom was placed when she, because how the process goes is, you know, she applied for the nursing sponsorship and then they placed them in certain areas. And so she was placed in El Paso, Texas at the time. And so that's where I also grew up. So I set the film there and I really advocated for filming in Texas because I wanted the film to have that feeling of the environment and atmosphere of Texas. um And so we shot some exteriors there for like this really fun Texas montage where you can really like feel that the character is there in, you know, in that heat, the Texas heat. So that was really, that was really fun. And I, you know, we shot, we shot two days in LA and we shot half a day in Austin, Texas. And we hired a second unit in Texas, because, you know, again, like, even though we had a really good budget, was still, you know, it was still pretty small. So I wasn't able to, you know, fly my LA crew over there. um So what we did was we just hired a second unit crew in Austin, Texas, and they were amazing. And most of them were queer, non-binary filmmakers. And it was just such a fun, intimate crew that you know, we just breezed by and had such a great time shooting that.  Isabel: That's wonderful. As a director, what inspires you and what are some of your filmmaking influences?  Rachel: Yeah, I mean, I'm constantly inspired by, you know, new films, filmmakers that I've seen, em particularly for Milk and Honey. I um so the film is, you know, this grounded drama, but there are a lot of moments of magical realism that I mix into it. love magical realism. love one of my favorite movies is Eternal Sunshine of the Spotless Mind. It's such a beautiful film, also very grounded, but it's filled with all of this, you know, magical realism, surrealism. And so I infused that into, you know, Milk and Honey, which was really fun and a challenge to execute. But yeah, and some other filmmakers and creatives that I'm inspired by are Ava Duvernay. think her work is just incredible and also just an incredible artist overall. I love the kind of work that she does because it comes from such a deep place. And I love that she can combine art with politics and social justice as well. Isabel: I also love that you said in your one of your project funding descriptions that you use your art as your act of revolution, which is so relevant given that, you know, in our current state of, you know, our administration is silencing and suppressing voices of our immigrant communities. And how do we as filmmakers, as artists, what does that revolution and representation mean to you as a filmmaker and artist?  Rachel: I truly believe that that art is our act of revolution and just merely creating the art is that act in and of itself. We don't have to do more than that as from, in my opinion, as an artist, because the mere fact of us existing as artists, existing, myself existing and creating the work and having the work exists out there and putting it out. The most powerful thing that an artist can do is to make their art and share it with the world. And after that, just let it go, you know, forget about how it's going to be received. Forget about like, you know, the critics and, and, and the, you know, self doubt you may have and all of those things, because yeah, it's going to come. I think especially in the landscape of, like you said, of where we're at right now with our current administration and you know, just who knows what's going to happen in the next few years, but also in the face of like AI and technology and all of that, I think all we can really do as artists is to, in order for us to change the system is we have to be the change, right? And in order for us to be that change is just to continue to tell our stories and stay authentic to ourselves. Because I think that's also what a lot of people out there are really craving right now. People are craving authentic, real stories by people that we really don't get to see or hear their stories very often. And so um that for me is something that fuels me and my artistry every day.  Isabel: Very well said and a great reminder to all of us artists out there to keep making our art. What do you hope for audiences to take away when they watch your film?  Rachel: What I hope for audiences to get out of watching the film, well, one, at the core of it is a mother-daughter story. And I also did it to honor my mother and her sacrifices and her story. So I hope that, one, audiences will, you know, maybe reflect on their relationship with their mother and… um think of ways to honor their mother and their family and their ancestry as well. And another thing is to really think about what the American dream means to you, because that was another driving force for me with the film is it's called Milk & Honey because a lot of immigrants coined Milk & Honey as America's milk and honey as this like land of abundance, land of opportunity and you know, this is a, this is a place for creating a better life for ourselves. But I, for me, as I've grown up and as an adult now, really looking at like, well, what does the American dream mean to me? Is that still true to me? Do I still think the U S is a place where I can, where I can build a better life? Is it a place of abundance and something in the film, a big theme in the film is where Cherry's character scrutinizes that dream and thinks for herself, like, is the American dream worth it? And what does the American dream actually mean to me? What is the definition of that? So I think that's a big thing I would love audiences to also take away from it, you know, asking themselves that question. Isabel: That's a great thought to end on. I'll be including Rachel's social media and website on kpfa.org as usual so you can see if Milk and Honey will be screening in a film festival near your city during its festival run. Well, Rachel, thank you so much for joining me on APEX Express today. Thanks so much for having me. I really enjoyed it. Please check our website kpfa.org to find out more about magical realism in AAPI stories and the guests we spoke to. We thank all of you listeners out there. Keep resisting. Keep organizing. Keep creating and sharing your visions with the world. Your voices are important. APEX Express is produced by Miko Lee, Jalena Keane-Lee, Preeti Mangala Shekar, Anuj Vaidya, Swati Rayasam, Cheryl Truong, and Isabel Li. Tonight's show was produced by me, Isabel Li. Thanks to the team at KPFA for their support. Have a great night. The post APEX Express – 1.08.26 – Magical Realism and AAPI Short Films appeared first on KPFA.

On this week's episode, Vin, Paul, Beth and Nicole review past and present contests from 2025 and choose our best and worst of the year.  We also talk a bit about the CartoonStock contest and our favorite regular cartoons from the issue for the year.We talk a bit about Keith Huie's caption for the Finalists of contest #972. Keith is a terrific artist living in Wisconsin (just a couple of towns over from Paul) and you should check out his art here:https://shopotlag.com/collections/all/artist_keith-huie?And you can follow him on social media:https://www.facebook.com/KeithHuieArthttps://www.instagram.com/huieart/And of course, we discuss...  The winning captions for New Yorker contest #970 (A deathly good read.)  (Congratulations to our own Nicole for her first place win!)Finalists for contest #972 (Caption flame out!) Current New Yorker contest #974 (The Rat Six-Pack.)Dig into the contest data at Victor Chongchua'a great website, WordsBelow:https://wordsbelow.appYou can buy original New Yorker cartoon art at Curated Cartoons:https://www.curatedcartoons.comSend us questions or comments to:  Cartooncaptioncontestpodcast@gmail.com

Voices in My Head Podcast – Episode 608: Epiphany 2026   An Epiphany Reflection. Blessings, Rick Lee James     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

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.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureTrump placed tariffs on many nations, the Asian nation exports are surging, even with the tariffs. More money for the people. Fuel prices are below $2 in many states. Trump has cut 646 regulations.Trump is using the Jacksonian Pivot to bring down the [CB] and go back to the constitution. The [DS] is losing it money laundering system. They are having a difficult time funding their operations. Trump is continually putting the squeeze on the [DS] and each nation run by dictators is going to fall one by one. Trump gave the [DS] 8 months to comply with his EO. He brought the NG into their states, they forced them out. He gave them a chance but they decided to escalate the situation. Next move is POTUS. Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/2008258196322856968?s=20   all-time high. This is despite US tariffs which were initially set at to 49%, but later negotiated down to ~20%. At the same time, Chinese exports to the US plunged -40% YoY in Q3 2025. This comes as the region has a massive cost advantage over US and European manufacturing, which ranges from 20% to 100%, even after tariffs. Companies use Southeast Asian economies as alternative export bases to avoid China’s 37% reciprocal tariff. As a result, the amount of trade rerouting from China hit a record $23.7 billion in September. US trade flows are shifting sharply amid tariffs. https://twitter.com/TrumpWarRoom/status/2008327708200104042?s=20 https://twitter.com/profstonge/status/2008516399564509382?s=20  https://twitter.com/DrJStrategy/status/2008306299235189133?s=20   and a decisive shift of policy emphasis toward productive capital and economic sovereignty rather than financial engineering, Trump has reoriented the engines of growth toward productive capital, investment, industry, and national capacity. Anchored by the Trump Corollary, asserting a sovereign, American‑led Western Hemisphere and demonstrated in both the flawless military operation in Venezuela and the broader regime‑pressure strategy, this doctrine is not theater but an integrated fusion of economic, security, and hemispheric power. These changes are as profound in their structural implications as the original Jacksonian pivot, and those who assume Trump is a merely performative politician and strategist are therefore sorely mistaken, confusing a disruptive style with a coherent focused project to realign America's coalition, its economic model, and its role in the world. Political/Rights https://twitter.com/KatieMiller/status/2008286018722562351?s=20 https://twitter.com/seanmdav/status/2008263492030349618?s=20 Hilton Axes Hotel From Their Systems After Video Shows Them Continuing to Ban DHS and ICE Agents  https://twitter.com/nicksortor/status/2008497245826556404?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2008497245826556404%7Ctwgr%5E65c50b3797a2e502ba8c026a05c290955554706a%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Frusty-weiss%2F2026%2F01%2F06%2Fhilton-axes-hotel-from-their-systems-after-video-shows-them-continuing-to-ban-dhs-and-ice-agents-n2197811 Less than two hours after the video had been uploaded to X, Hilton issued another statement saying they were dropping that particular hotel from their list of franchisees and accusing ownership of lying to them about making corrections to their policy. https://twitter.com/HiltonNewsroom/status/2008522493171298503?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2008522493171298503%7Ctwgr%5E65c50b3797a2e502ba8c026a05c290955554706a%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Frusty-weiss%2F2026%2F01%2F06%2Fhilton-axes-hotel-from-their-systems-after-video-shows-them-continuing-to-ban-dhs-and-ice-agents-n2197811 Source: redstate.com https://twitter.com/amuse/status/2008256013162410201?s=20   mandatory detention without bond hearings. Judges opposing the move admitted the goal is to promote self-deportation rather than extended courtroom battles. Conservatives say the numbers reveal a coordinated judicial campaign to override Trump’s immigration policy. SCOTUS has yet to rule on the matter. DOGE Corporation for Public Broadcasting Board Votes to Dissolve Organization in Act of Responsible Stewardship to Protect the Future of Public Media   The Corporation for Public Broadcasting (CPB), the private, nonprofit corporation created by Congress to steward the federal government's investment in public broadcasting, announced today that its Board of Directors has voted to dissolve the organization after 58 years of service to the American public. The decision follows Congress's rescission of all of CPB's federal funding and comes after sustained political attacks that made it impossible for CPB to continue operating as the Public Broadcasting Act intended. Source:  cpb.org Geopolitical https://twitter.com/Object_Zero_/status/2008524560891588691?s=20   flight path (ballistic or powered) from Kola to anywhere on the lower 48, then everything goes over Greenland. Greenland is the theatre where any strategic exchange between Washington and Moscow is contested. If you want to intercept a ballistic missile, the best point to do so is at the apogee, at the top of the flight path. The shortest route for an interceptor to get to an apogee is from directly below the apogee. That's where Greenland is. So, without stating what should happen here, this is **why** the Trump administration says they **need** Greenland for national security. The other thing that is happening is that the Northern Passage through the Arctic is opening up, and soon there will be Chinese cargo ships sailing through the Arctic to Rotterdam. It's faster than the Suez and the ships aren't limited to Suezmax size so China and EU trade is going to accelerate a lot. This means Chinese submarines will also be venturing under the Arctic into the Northern Atlantic, IF THEY AREN'T ALREADY DOING SO. Hence, the North East coast of Greenland serves not 1 but 2 critical strategic security objectives of US national security. If this wasn't clear to you, please understand that the Mercator global map projection is for children and journalists only. It is not a useful guide to where any countries or territories actually are in the real world that we live in. No self respecting adult should be using Mercator for their worldview. Anyone saying “there must be some other secret reason for Trump being interested in Greenland” is a certified ignoramus. https://twitter.com/sentdefender/status/2008414070425206927?s=20  permission from the Ministry of Defense. “We want to clarify that what happened in downtown Caracas was because some drones flew over without permission and the police fired dissuasive shots. No confrontation took place. The whole country is in total tranquility,” said a Spokesman for the Information Ministry. https://twitter.com/sentdefender/status/2008420269480694261?s=20  Miraflores Presidential Palace.   Seems like a failed coup attempt https://twitter.com/jackprandelli/status/2008298246675021881?s=20   offshore oil, creating a massive geopolitical risk. The most immediate outcome in capture of Maduro is to neutralize this threat and secure the operating companies stakes in Guyana, as well as Western Hemisphere’s energy security. By stabilizing Guyana’s production, which is set to hit 1.7 million barrels per day, the intervention guarantees way more oil flow in near term than reviving Venezuela’s aged infrastructure and heavy sour oil. This move protects billions in U.S. investment and positions Guyana producers as the ultimate winners. https://twitter.com/Rasmussen_Poll/status/2008448254095012088?s=20 https://twitter.com/profstonge/status/2008591197728813564?s=20  Mass Protests Enter 9th Straight Day in Iran — Regime Accused of Killing Young Woman and Multiple Peaceful Protesters as Officials Deny Responsibility — Brave 11-Year-Old Iranian Boy Calls on Nation: “Take to the Streets! We Have Nothing to Lose!” (VIDEO)  Protests against Iran's murderous Islamic regime continued across the country for a ninth straight day over the weekend, as nationwide unrest intensifies and the government struggles to maintain control. Demonstrations have now spread to multiple cities throughout Iran, with citizens openly defying the Islamic Republic and targeting its symbols of power. The latest wave of protests was initially sparked by the collapse of Iran's currency, further devastating an already-crippled economy and pushing ordinary Iranians to the brink. Source: thegatewaypundit.com https://twitter.com/ElectionWiz/status/2008537318035173629?s=20 https://twitter.com/ElectionWiz/status/2008532051331526713?s=20 https://twitter.com/infantrydort/status/2008501122902774238?s=20   when reminded that teeth still exist. They insist the world runs on rules now and that borders are sacred. Also that true power has been replaced by paperwork. This belief is not moral in the least. It's f*****g archaeological. They live inside institutions built by violence, defended by men they no longer understand, and guaranteed by forces they refuse to acknowledge. Like tourists wandering a fortress, they admire the stonework while mocking the idea of a siege. They confuse order with nature. EVERY. SINGLE. TIME. Then blame the person that reminds them of this. Civilization is not the default state of humanity. It is an achievement that is temporary, fragile, and expensive. It exists only where force once cleared the ground and still quietly patrols the perimeter. A lion does not debate the ethics of hunger. Neither does a starving empire. History is not a morality play, it is a pressure test. When pressure rises, abstractions collapse first. Laws follow power; they do NOT precede it. Property exists only where someone can prevent it from being taken. Sovereignty is not declared, it is enforced. The modern West outsourced this enforcement, then forgot the invoice existed. So when someone points out uncomfortable realities (whether about Greenland, Venezuela, or the broader balance of power) they respond with ritual incantations: “You can't do that.” “That's wrong.” “That's against the rules.” As if the rules themselves are armed. As if history paused because we asked nicely. This is how empires fall. Not from invasion alone, but from conceptual rot. From mistaking a long season of safety for a permanent condition. From believing lethality is immoral instead of foundational. Every civilization that forgot how violence works eventually relearned it the hard way. The conquerors did not arrive because they were monsters; they arrived because their victims could no longer imagine them. The tragedy is not that power still exists. The tragedy is that so many have forgotten it does. Idk who needs to hear this but civilization is a garden grown atop a graveyard. Ignore the soil, and someone else will plant something far less gentle. Hate me for being the messenger and asking the hard questions about conquest if you want. You're just wasting your time. War/Peace Zelenskyy Announces the Appointment of Former Canadian Deputy Prime Minister, Chrystia Freeland as Economic Advisor  Chrystia Freeland was the former lead of the Canadian trade delegation when Trudeau realized he needed to try and offset the economic damage within the renegotiated NAFTA agreement known as the USMCA. Freeland was also the lead attack agent behind the debanking effort against Canadian truckers who opposed the vaccine mandate. In addition to holding Ukraine roots, the ideology of Chrystia Freeland as a multinational globalist and promoter for the World Economic Forum's ‘new world order' is well documented.    given the recent revelations about billions of laundered aid funds being skimmed by corrupt members of the Ukraine government, we can only imagine how much of the recovery funds would be apportioned to maintaining the life of indulgence the political leaders expect. In response to the lucrative “voluntary” appointment, Chrystia Freeland has announced her resignation from Canadian government in order to avoid any conflict of interest as the skimming is organized. Source: theconservativetreehouse.com https://twitter.com/disclosetv/status/2008618653500273072?s=20 https://twitter.com/visegrad24/status/2008610869924757613?s=20 this aligns with Trump’s stated approach, where Europe takes a leading role in postwar security but with American support to ensure durability—such as the proposed 15-year (or potentially longer) guarantees discussed in recent talks. The “Coalition of the Willing” (including the UK, France, Germany, and others) is coordinating these pledges to reassure Kyiv, but the framework explicitly ties into U.S.-backed elements like ceasefire verification and long-term armaments.  Russia has not yet shown willingness to compromise on core demands, so the deal’s success remains uncertain, but this step advances the security pillar of the overall plan. Medical/False Flags https://twitter.com/DerrickEvans4WV/status/2008435766742179996?s=20    dangerous diseases. Parents can still choose to give their children all of the Vaccinations, if they wish, and they will still be covered by insurance. However, this updated Schedule finally aligns the United States with other Developed Nations around the World. Congratulations to HHS Secretary Bobby Kennedy, CDC Acting Director Jim O'Neil, FDA Commissioner Marty Makary, CMS Administrator Dr. Oz, NIH Director Jay Bhattacharya, and all of the Medical Experts and Professionals who worked very hard to make this happen. Many Americans, especially the “MAHA Moms,” have been praying for these COMMON SENSE reforms for many years. Thank you for your attention to this matter! DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA [DS] Agenda https://twitter.com/elonmusk/status/2008416829404746084?s=20  https://twitter.com/WeTheMedia17/status/2008558203077095579?s=20 President Trump's Plan https://twitter.com/MrAndyNgo/status/2008278499153637883?s=20   who tried to kill Justice Kavanaugh at his family home in Maryland. Read: https://twitter.com/mirandadevine/status/2008312587197497804?s=20 https://twitter.com/PubliusDefectus/status/2008542355838955625?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2008542355838955625%7Ctwgr%5E08a8ea4b3726984aaeb1e460fafe90ec5a25b84f%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fhillary-clinton-launches-attack-trump-january-6%2F Developing: Lt. Michael Byrd Who Shot Ashli Babbitt Dead on Jan. 6, 2021 in Cold Blood, Runs an ‘Unaccredited' Day-Care Center in Maryland at His Home and Has Pocketed $190 Million in HHS Funds   Captain Michael Byrd and his home daycare in Maryland. In one of his autopen's last acts before Joe Biden left office was to pardon Capt. Mike Byrd, the DC officer who shot and killed January 6 protester Ashli Babbitt in cold blood during the protests on Capitol Hill on January 6, 2021.  Paul Sperry discovered recently and posted on Tuesday that Former Lt., now Captain Mike Byrd, has been running an unaccredited day-care center with his wife in their Maryland home since 2008. That is nearly 17 years! The Byrds have received $190 million in this HHS day-care scheme. Via Paul Sperry. Via Karli Bonne at Midnight Rider: https://twitter.com/PattieRose20/status/2008547480431218991?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2008547480431218991%7Ctwgr%5Ec607b3d9ed0b3fbdb6e390fdfadc416d9a45a379%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F%3Fp%3D1506321 Source: thegatewaypundit.com The White House has published a page revealing the full TRUE story of January 6 — before, during, and after. It includes: – Video and evidence showing Nancy Pelosi's involvement – A complete, detailed timeline of events – A tribute to those who died on or because of J6 A full investigation into Nancy Pelosi and everyone involved is now essential. You can view the page here: https://whitehouse.gov/j6/  https://twitter.com/TrumpWarRoom/status/2008569594550895005?s=20 EKO Put This Out April 28, 2025. President Trump signs Executive Order 14287 in the Oval Office. The title reads like standard bureaucracy: “Protecting American Communities from Criminal Aliens.” But in the third paragraph, a single phrase changes everything: Sanctuary jurisdictions are engaging in “a lawless insurrection against the supremacy of Federal law.” Insurrection. The exact statutory term from 10 U.S.C. §§ 332-333 . The language that unlocks the Insurrection Act of 1807. Georgetown Law professor Martin Lederman publishes analysis within days. The executive order mirrors Section 334 requirements. The formal proclamation to disperse before military deployment. It designates unlawful actors, issues formal warning, establishes consequences. Governors dismiss it as political theater. Constitutional attorneys recognize something else. The proclamation was already issued. Trump just didn't announce it as such. THE LEGAL FRAMEWORK January 20, 2025. Inauguration Day. Hours after taking the oath, Trump issues Proclamation 10886 declaring a national emergency at the southern border. Section 6(b) requires a joint report within 90 days on whether to invoke the Insurrection Act. The deadline falls April 20, 2025. Eight days later comes Executive Order 14287 . National emergency declaration establishes crisis conditions. The 90-day clock forces formal evaluation. The executive order provides the legal predicate. Section 334 of the Insurrection Act mandates the president issue a proclamation ordering insurgents to disperse before deploying military force. April 28 order satisfies every requirement. It names the actors. Describes their unlawful conduct. Warns of consequences. Grants opportunity to comply. Governors treated it as negotiation leverage. It was legal notification. The trap locked in April 2025. Everything since has been documentation. THE TESTING PHASE Throughout 2025, the administration attempts standard enforcement. National Guard deployments under existing authority. October 4, 2025 . Trump federalizes 300 Illinois National Guard members to protect ICE personnel in Chicago. Governor J.B. Pritzker files immediate legal challenge. Federal courts block the deployment. Posse Comitatus restricts military involvement in domestic law enforcement. November 2025 . Portland judge issues permanent injunction against Guard deployment in Oregon. December 23, 2025 . The Supreme Court denies emergency relief in Trump v. Illinois. Justice Kavanaugh files a brief concurrence with a consequential footnote: “One apparent ramification of the Court's opinion is that it could cause the President to use the U.S. military more than the National Guard.” Northwestern Law professor Paul Gowder decodes the signal : “This is basically an invitation for Trump to go straight to the Insurrection Act next time.” The courts established ordinary measures cannot succeed when states organize systematic resistance. They certified that regular law enforcement has become impracticable. They documented the exact threshold Section 332 requires. The founders designed a system that assumed conflict between federal and state authority. For decades, that friction was suppressed. Emergency powers normalized after 9/11, federal agencies expanded into state domains, courts deferred to administrative expertise. The Guard deployment battles weren't system failure. They were constitutional gravity reasserting itself. Courts blocking deployments under Posse Comitatus didn't weaken Trump's position. They certified that ordinary measures had become impracticable, crossing Section 332's threshold. December 31, 2025 . Trump announces Guard withdrawal from Chicago, Los Angeles, and Portland via Truth Social. Governor Newsom celebrates: “President Trump has finally admitted defeat.” But the machine's interpretation misreads strategic repositioning as retreat. You cannot claim ordinary measures have been exhausted if contested forces remain deployed. Pull back. Let obstruction resume unchecked. Document the refusal. Then demonstrate what unilateral executive action looks like when constitutional authority aligns. THE DEMONSTRATION Trump v. United States . THE HIDDEN NETWORKS Intelligence sources describe what the roundups since fall 2025 actually target. Embedded cartel operatives running fentanyl distribution chains under state-level protection. The riots following military arrests aren't organic resistance. They're funded backlash from criminal enterprises losing billions. Pre-staged materials appear at protest sites. Simultaneous actions coordinate across jurisdictions. The coordination runs deeper. Federal employee networks across multiple agencies held Zoom training sessions in early 2025. Officials with verified government IDs discussed “non-cooperation as non-violent direct action,” the 3.5% rule for governmental collapse, and infrastructure sabotage through coordinated sick calls. They planned to make federal law enforcement impracticable. The exact language Section 332 requires. Sanctuary policies exist because cartel operations generate billions flowing through state systems. Governors sit on nonprofit boards receiving federal grants. Those nonprofits contract back to state agencies, cycling federal dollars through “charitable” organizations. Cartel cash launders through these same construction and real estate networks. When Trump's operations extract high-value targets, they disrupt the business model. The Machine defends itself through coordinated obstruction designed to make federal enforcement impracticable. This transcends immigration policy. This tests whether states can capture governance for criminal enterprises and nullify federal supremacy. THE LINCOLN PARALLEL Lincoln's Emancipation Proclamation confounded supporters and critics alike. Abolitionists expected moral thunder. Instead they received dry legalese about “military necessity” and “war powers.” The document deliberately avoided the word “freedom.” It specified which states, parishes, counties. It exempted border states still in the Union. Constitutional historians recognize the genius. Lincoln wasn't making a moral proclamation. He was establishing irreversible legal predicate under war powers. Once issued, even Northern defeat couldn't fully restore slavery. The proclamation made restoration of the old order structurally impossible. Trump's April 28 order follows identical construction. Critics expected immigration rhetoric. Instead: technical language about “unlawful insurrection” and “federal supremacy.” Specified sanctuary jurisdictions, formal notification procedures, funding suspensions. Avoided inflammatory language. Constitutional attorneys recognize the structure. Irreversible legal predicate under insurrection powers. Even political defeat cannot fully restore sanctuary authority. States would have to prove they're not in systematic insurrection. Both presidents disguised constitutional warfare as administrative procedure. THE COMPLETE RECORD When you review the eight-month timeline you recognize what most ‘experts' miss. The April 28 EO satisfied every Section 334 requirement. It designated sanctuary conduct as insurrection. It provided formal notification. It established consequences. It granted eight months to comply. Compliance never arrived. California and New York passed laws shielding criminal networks. Illinois officials threatened to prosecute ICE agents. Multiple states coordinated legal defenses against federal authority. Courts blocked every standard enforcement attempt. They certified that ordinary measures have become impracticable. Every statutory requirement checks complete: Formal proclamation warning insurgents to disperse: April 28, 2025 Executive Order 14287 Extended opportunity to comply: Eight months from April to December 2025 Documented systematic multi-state obstruction: Sanctuary laws, prosecution threats, coordinated resistance Exhausted ordinary enforcement measures: Guard deployments blocked by federal courts Judicial certification of impracticability: Supreme Court ruling with Kavanaugh footnote The legal architecture stands finished. The predicate has been established. Only the final triggering event remains. Thomas Jefferson signed the Insurrection Act into law on March 3, 1807 . He understood executive authority: forge the instrument ahead of the storm, then await the conditions that justify its use. Abraham Lincoln used it to preserve the Union when eleven states organized systematic resistance. Ulysses S. Grant invoked it to shatter the Ku Klux Klan when Southern governments refused to protect Black citizens. Dwight Eisenhower deployed federal troops to enforce Brown v. Board when Arkansas chose defiance. Each invocation followed the same pattern. Local authorities refuse to enforce federal law. The president issues formal proclamation. Forces deploy when resistance continues. The current situation exceeds every historical precedent in scale and coordination. Multiple state governments coordinating systematic obstruction. Sanctuary jurisdictions spanning dozens of cities. Criminal enterprises funding the resistance through captured state institutions. The April proclamation gave them eight months to stand down. They chose escalation. THE COUNTDOWN The January 4 statement confirms what the legal timeline already established. Prerequisites met. Constitutional threshold crossed and judicially certified. The operational timeline is active. The next escalation triggers the formal dispersal order. Section 334 requires the president issue proclamation ordering insurgents to “disperse and retire peaceably to their abodes” before deploying military force. That's the legal tripwire. Once issued, if obstruction persists after the compliance window closes, federal troops can enforce federal law. Active duty forces under the Insurrection Act. Constitutional. Unreviewable. The forces won't conduct door-to-door immigration raids. They'll provide security perimeters while federal law enforcement executes targeted operations against high-value assets. Operatives. Trafficking nodes. Criminal infrastructure. Targeting oath-bound officials elected and appointed, as well as federal employees who swore to uphold federal law and chose insurrection instead. THE RESTORATION Sanctuary jurisdictions received explicit insurrection warnings last spring. More than half a year to comply. Every olive branch rejected. Courts blocked ordinary enforcement repeatedly, certifying impracticability. The Venezuela op demonstrated unilateral resolve. Yesterday's statement activated the operational sequence. Pattern recognized. Machine is exposed. Evidence is complete. What remains is execution. They're just waiting to hear it tick. The most powerful weapon restrains until every prerequisite aligns. Until mercy extends fully and meets systematic rejection. Until the constitutional framework demands its use. Every prerequisite has aligned. Mercy has been extended and rejected. The framework demands its use. Revolution destroys. Reversion restores. The Emancipation Proclamation freed slaves. The Insurrection Proclamation frees a republic.  https://twitter.com/EkoLovesYou/status/2008304655156342936?s=20 https://twitter.com/EricLDaugh/status/2008597603412308341?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

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Welcome back! Today on the show: Congratulations to Tadej Pogacar on your fifth Tour victory, Oscar Onley is a traffic cone, and Wout van Aert broke his ankle. 

The SnailBoys tried but failed to listen to all the Voicemails before the end of the year. Here they are back in the new year, finishing everything up and starting the year with a fresh new start. They really appreciate everyone calling in and being a part of the SnailMail episodes. It has quickly become one of the favorite episodes. Caller 1: Toyota Don talks about elevated experiences and glamping Caller 2: Uncle Weirdo says whatever works for you. Caller 3: Andrew from Phoenix AZ has a question for Brian 4WU Text: Sticker for Tyler Caller 4/5: Axles from Botches off-road talks about electric steering Caller 6: Alex from Boches gives us some axle talk Caller 7: Jeff from OR talks about Portals Caller 8/9: Beer Craig tells us about drum brakes and his neighbors Caller 10: Richard from Atlanta is going with big Xmas lights Caller 11: Richard from Atlanta talks about his big packing mistakes 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 Massive Thanks to Vanquished for the donation of the Yokohama edition RC racecar that is this months giveaway. 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. Congrats to David Kurak for winning the new Xtreme Duty Braided Hose Kits from MORRFlate. These kits are an upgrade from their standard quad kits. These have a 1200 D nylon weave on top of the upgraded hose. Making them more heat-resistant and having a higher burst rate. One of these can be yours; all you need to do is sign up for the Giveaway Tier on Irate4x4. 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

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB] is panicking, Trump is now reversing their entire system, The D’s have no choice but to fold and go along with Trump’s no tax on tips etc, they resisted but the people complained, this will not work out well for them. Trump is now lowering the fuel prices by unleashing Venezuela’s oil, this will be used to go against the [DS]. Trump is in the process of dismantling the [DS], Venezuela has been released from the [DS] grasp. Maduro was arrested and brought to the US to stand trial. Maduro will most likely assist with the overthrow of the US government in 2020. The flow of money, training of terrorist happened in Venezuela, it is all coming to an end, soon the other countries will fall and the people will take them back. The world is being returned to the people. Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Kathy Hochul Caves On ‘No Tax On Tips’ Trump's One Big Beautiful Bill made a straightforward promise: more money in workers' pockets. The plan eliminated the federal tax on tips and overtime pay for linemen and factory workers, and created a new deduction for seniors relying on Social Security. Treasury Secretary Scott Bessent called it “the most pro-worker, pro-family legislation in a generation.”   several blue-state governors were refusing to reciprocate by eliminating state taxes on tips, including Govs. Kathy Hochul (D-N.Y.), J.B. Pritzker (D-Ill.), and Jared Polis (D-Colo.). Treasury Secretary Scott Bessent accused them of “deliberately blocking their own residents” from the bill's benefits at the state level. Bessent made clear that states that refused to comply with the law should expect consequences. “Treasury stands ready to work with any state committed to delivering on that promise, but we will not stand idly by as this obstructionism drags down the national recovery,” he said. “This is about fairness. This is about opportunity. And this is about putting America first, starting with the families and workers who make our economy the envy of the world.” Kathy Hochul has now caved. On New Year's Day, she announced that New York will finally move to exempt service workers' tips from state income taxes on up to $25,000 in tipped income.   “Starting today, tax rates for the vast majority of lower and middle-class New Yorkers will be cut, families with children will see a sweeping increase in the child tax credit, and minimum wage workers across the state will see their wages go up. I'm kicking the new year off with a proposal of no state income tax on tips, continuing my efforts to make New York more affordable for hard working New Yorkers.” The change comes only after months of outrage from restaurant owners and service workers who accused Albany of putting politics ahead of paychecks. Service industry workers noticed and called it a slap in the face to people barely scraping by in such an expensive state.   Source: zerohedge.com https://twitter.com/disclosetv/status/2007496574889537687?s=20 https://twitter.com/KobeissiLetter/status/2007500910277325260?s=20 https://twitter.com/TKL_Adam/status/2007468568619696559?s=20  damaged last night. On top of this, President Trump says the US will be “very much involved” in Venezuela’s oil industry going forward and China is “going to get oil.” In 2010, Venezuela was producing over 3 million barrels of oil per day, now down to ~900,000. If the US truly takes control of Venezuela’s oil industry, MUCH more supply is coming to market. Oil and gas prices would head much lower. Geopolitical https://twitter.com/KatieMiller/status/2007541679293944266?s=20 https://twitter.com/JoeBiden/status/1274910217508196352?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1274910217508196352%7Ctwgr%5E7e79690e7ff94a98319d1a5f7cef15f68e12ceb9%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fjoe-bidens-old-tweet-claiming-trump-admires-thugs%2F https://twitter.com/willchamberlain/status/2007652410077086175?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2007652410077086175%7Ctwgr%5Ee26360c03ca670b2e4da2b86849c02fab10ca741%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fjust-kamala-harris-gets-lit-up-x-after%2F Panamanian dictator Manuel Noriega surrendered to U.S. forces on January 3, 1990, after seeking refuge for 10 days in the Vatican’s embassy (Papal Nunciature) in Panama City.  This event marked the end of Operation Just Cause, the U.S. invasion of Panama that began on December 20, 1989, under President George H.W. Bush, aimed at deposing Noriega and bringing him to face U.S. charges of drug trafficking, money laundering, and racketeering.  To pressure Noriega into surrendering, U.S. psychological operations teams blasted loud rock music—including tracks like Guns N’ Roses’ “Welcome to the Jungle,” Twisted Sister’s “We’re Not Gonna Take It,” and Van Halen’s “Panama”—at the embassy nonstop, contributing to his decision to give up.   He was immediately flown to Miami, where he stood trial, was convicted in 1992, and initially sentenced to 40 years in prison (later reduced).  After serving time in the U.S., Noriega was extradited to France in 2010 for money laundering charges, and finally to Panama in 2011 to face additional sentences for murder, corruption, and human rights abuses during his rule.   He died in Panama in 2017 while under house arrest for medical reasons.   The invasion itself involved around 25,000 U.S. troops, resulting in 23 American deaths, hundreds wounded, and estimates of 200–4,000 Panamanian civilian casualties, drawing international criticism despite achieving its primary objective. https://twitter.com/BillAckman/status/2007796748631314839?s=20 https://twitter.com/bennyjohnson/status/2007549887098040495?s=20  https://twitter.com/CynicalPublius/status/2007518675641983427?s=20   advance. Trump Admin's Top Secret Maduro Military Operation Plans Reportedly Leaked To Legacy Media Outlets Despite an unidentified party leaking plans of the Trump administration's top secret military operation targeting Nicolás Maduro in Venezuela to both The New York Times and the Washington Post, neither publication decided to expose it, Semafor reported Saturday night. Two anonymous sources, described as familiar with the communication between the administration and media outlets, told Semafor that both outlets declined to break the news on the operation before it happened out of concern for U.S. troops involved. The military incursion, carried out early Saturday, resulted in the capture and ouster of socialist dictator Nicolás Maduro, whom a grand jury later indicted on four charges, including narco-terrorism conspiracy. The identity of the leaker or leakers was not made public as of Sunday morning. Source: dailycaller.com https://twitter.com/ElectionWiz/status/2007811723013603611?s=20 Russia, China Demand That US Immediately Release Maduro From Custody Within mere hours after President Trump announced the Saturday capture by US forces of Venezuelan President Nicolás Maduro and his wife after a brief shock bombing campaign and special forces operation in Caracas, Russia has demanded from Washington his immediate release. “We firmly call on the U.S. leadership to reconsider this position and release the lawfully elected president of a sovereign country and his wife,” the Russian Foreign Ministry said in a statement, and described that the crisis should be resolved through diplomatic means. “Russia will continue to support the course pursued by its Bolivarian leadership to defend the country’s national interests and sovereignty,” the Foreign Ministry said, while also calling for restraint and cautioning against further escalation. China has joined Moscow’s calls for the immediate release of Maduro from US custody: China has called on the United States to immediately releaaljazeera.com/…/china-urges-us-to-stop-toppling-venezuelan-government-release-madurose Venezuelan President Nicolas Maduro after Washington carried out massive military strikes on the capital, Caracas, as well as other regions, and abducted the leader. Beijing on Sunday insisted the safety of Maduro and his wife Cilia Flores be a priority, and called on the US to “stop toppling the government of Venezuela,” calling the attack a “clear violation of international law“. https://twitter.com/alaynatreene/status/2007491168389525809?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2007491168389525809%7Ctwgr%5E1cec862879fed0a0919d0a99238a33d07975d1bb%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.zerohedge.com%2Fgeopolitical%2Frussia-china-demand-us-immediately-release-venezuelas-maduro Source: zerohedge.com China has embedded operational control into critical mineral extraction that feeds weapons manufacturing  Iran has established drone production facilities within strike range of the continental United States. Russia has deployed military advisers and integrated air defense systems in the Caribbean. Venezuela represents the only location where all three adversaries operate simultaneously https://twitter.com/CynicalPublius/status/2007644800779169936?s=20   legitimate, outstanding US drug charges from 2020, the real reason for the military operations early this morning is that neutralizing Maduro’s Venezuela had become a strategic imperative for the USA. Under Maduro, Venezuela had become the Latin American crossroads for all of the USA’s principal enemies. Maduro was nurturing relationships with Russia, Hezbollah and Iran. Worst of all, Venezuela was eagerly becoming a part of Red China’s Belt & Road initiative. As America’s enemies were lining up Venezuela as their base of operations in the Western Hemisphere to cause mischief and destruction for the USA, Maduro was at the same time making Venezuela a crossroads, safe haven and enabler for all manner of narcoterrorist operations, ranging from Colombia’s FARC to Mexico’s Sinaloa cartel. On top of all that, Venezuela had become a key player in the illegal alien invasion of the USA, shipping its very worst to the USA in a deliberate and comprehensive destabilizing operation that might have worked had Donald Trump not won in 2024. Next in importance: oil. The global and regional ambitions of both China and Russia are in large part dependent on the politics of petroleum, and the USA just deprived both of the cudgel afforded by friendly Venezuelan oil. Trump opponents say “It’s about oil” as if that was a bad thing. Yeah, it’s about oil. Finally, all of this was in keeping with the most essential and fundamental foreign policy mandate of the USA almost since the nation’s inception: the Monroe Doctrine. Operations like what Maduro was running simply cannot be allowed in the Western Hemisphere. Trump was right for falling back on this most basic of doctrines that protects the USA’s sovereignty. So was Maduro seized because of some five year-old drug charges? Yes. Legally–yes. However, like so many strategic issues in the world today, an action needed to be backed by the fine points of law, and it was. But the reality is that the Maduro takedown was a Monroe Doctrine-driven necessity that has greatly enhanced the power and national security of the USA. Congratulations, Donald Trump, Marco Rubio, Pete Hegseth and the rest of the Trump national security team: you boldly took the steps necessary to defend the USA. Well done. https://twitter.com/EndWokeness/status/2007597322549469370?s=20  Uh… but what about America 1st!!!!” Dominating our hemisphere is America 1st.  READ: Maduro Indictment Unsealed  https://twitter.com/AGPamBondi/status/2007468832567222274?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2007468832567222274%7Ctwgr%5Ea380e4654af6dbcd0ced13d78085deb2a2a57e8d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fread-maduro-indictment-unsealed%2F Read the indictment here. The grand jury indicted Maduro, his wife, Cilia Flores and four others on four counts: Narco-terrorism conspiracy, cocaine importation conspiracy, possession of machine guns and destructive devices, and conspiracy to possess machine guns and destructive devices. “Nicolas Maduro Moros, the defendant, now sits atop a corrupt, illegitimate government that, for decades, has leveraged government power to protect and promote illegal activity, including drug trafficking,” the indictment read. “That drug trafficking has enriched and entrenched Venezuela's political and military elite, including Minister of the Interior, Justice and Peace Diosado Cabello Rondon, the defendant, and former Minister of the Interior and Justice Ramon Rodriguez Chachin, the defendant,” the charging document read. The White House absolutely savaged Maduro on Saturday. Source: thegatewaypundit.com https://twitter.com/mrddmia/status/2007459071985676697?s=20 https://twitter.com/CynicalPublius/status/2007412199132934453?s=20   with it. Go America! https://twitter.com/marcorubio/status/2007404924393697601?s=20 https://twitter.com/disclosetv/status/2007510867307626848?s=20 https://twitter.com/disclosetv/status/2007503643453559225?s=20 https://twitter.com/disclosetv/status/2007737447631945888?s=20 https://twitter.com/disclosetv/status/2007759220851327278?s=20 War/Peace https://twitter.com/ElectionWiz/status/2007814479892111690?s=20  Years after he left office, a reflective Barack Obama admitted that he and his administration made a “mistake” in not forcefully supporting an Iranian civilian uprising in 2009 that could have ousted that country's ruing mullahs. Faced with a fresh protest movement 16-plus years later led by street vendors, President Donald Trump has taken the opposite tact in a robust embrace of everyday Iranians that caught the attention of Tehran. If Iran “violently kills peaceful protesters, which is their custom, the United States of America will come to their rescue,” Trump wrote in a 3 a.m. post Friday on his TruthSocial platform. “We are locked and loaded and ready to go.”  The president was not more specific about his intentions, but Iranian dissidents and non-official Trump advisers cheered the statement and said it set the stage for tougher sanctions or other actions by the administration. Interesting Timing – Zelenskyy Planning to Remove Head of the Security Service of Ukraine This is very interesting timing considering the recent denial by Zelenskyy that Ukraine had anything to do with the attack on Russian President Vladimir Putin's residence. According to Politico, Zelenskyy is removing Vasyl Malyuk as head of the Security Service of Ukraine (SBU), the state's top counterintelligence agency. Malyuk previously worked with British intelligence on operation “Spiderweb” where Ukrainian drones hit Russia's strategic bombers on several protected airfields (USA not informed). Source: theconservativetreehouse.com [DS] Agenda  President Trump's Plan FBI Thwarts ISIS-Inspired New Year’s Eve Terror Plot In North Carolina The FBI said it foiled an ISIS-inspired New Year's Eve terror attack in North Carolina. Suspect Christian Sturdivant, 18, was arrested on Dec. 31 and charged with attempting to provide material support to a foreign terrorist organization, U.S. Attorney for the Western District of North Carolina Russ Ferguson said at a Jan. 2 press conference. Sturdivant appeared in court on Jan. 2. A U.S. citizen, Sturdivant had allegedly planned the attack for about a year, according to Ferguson. A hand-written document titled “The New Year's Eve Attack 2026” was found in Sturdivant's bedroom trash can and included a section labeled, “martyrdom Op,” court papers claim.  Sturdivant read ISIS material online, visited the terrorist group's websites, and made TikTok videos, Ferguson said. Source: zerohedge.com Former CBS Reporter Catherine Herridge Reveals How Executives Delayed Her Reporting On Hunter Biden Laptop Former CBS investigative reporter Catherine Herridge said Thursday CBS News executives postponed airing her reports on the contents of Hunter Biden's laptop. https://twitter.com/C__Herridge/status/2006795554471186519?s=20   always do the story when it’s ready to go. You should not be dictated by the political cycle.” At that time, CBS News was under different management, and did not respond to our questions seeking comment.   Source: dailycaller.com  https://twitter.com/bread_n_caviar/status/2007473725331960305?s=20 how much Jeb Bush is connected to drug trafficking. Here's my Substack article on that subject: https://twitter.com/Rasmussen_Poll/status/2007377888858062869?s=20 https://twitter.com/WarClandestine/status/2007528129988862028?s=20 is undoing the damage the CIA has been used to do over the last 78 years around the world. The Deep State network is being dismantled. Trump did the same thing with Iran. Who enabled and paid Iran to make nukes? Obama via the Iran Deal. Neutralizing Iran's nuclear capabilities was Trump cleaning up another Deep State mess created by past administrations. Trump knows where all the Deep State assets and proxies are, and he is uprooting them. It's actually happening. Trump is obliterating the Deep State! Maduro a Cartel/Deep State puppet for a while  Wants out  Negotiates exit with Trump  U.S. military extracts him  Trump rugs the Deep State’s regime change op with his own regime change op https://twitter.com/amuse/status/2007682086271103487?s=20   Maduro played a large role in the destabilization efforts, sending drugs and murderous gangs into our country. Is it considered one crime syndicate?   https://twitter.com/TheQNewsPatriot/status/2007662811296731504?s=20 https://twitter.com/WarClandestine/status/2007516103950414317?s=20   nations and regions that past US administrations have destabilized and destroyed. If there is no instability, the Deep State cannot operate. Therefore, Trump is going to neutralize those causing the instability, ie, the cartels. Trump is essentially undoing the decades of damage caused by the Deep State, and creating a new world the way it should be.  https://twitter.com/WarClandestine/status/2007547290035302659?s=20   MIL in their cities? Now do you see why they have been panicking about the Insurrection Act? The Dems are Deep State puppets just like Maduro. They fear that what just happened to Maduro, is going to happen to them. THEY FEAR THE RECKONING! (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

We're diving into all the latest Peloton news, from the much-anticipated Year In Review to exciting new fitness programs launching in January. Get the full scoop on celebrity sightings, instructor milestones, and what's happening in the broader world of connected fitness.This episode covers everything you need to know to stay in the loop with the Peloton community. We're discussing the removal of compound moves from strength classes, celebrating instructor milestones, and looking ahead to new challenges and artist series. Plus, we'll touch on what competitors like BODi and Alo are up to. This is your one-stop shop for all things Peloton and fitness this week.UK members are pushing Peloton for more live classes on Sundays.Despite a weak economy, spending on fitness continues to hold strong.Peloton strength classes have been updated, and they no longer display compound moves.The Peloton 2025 "Year In Review" has officially been released for members.We break down Peloton's Top 50 most-played tracks of 2025.Congratulations to Selena Samuela, who has welcomed her new babies.Tunde Oyeneyin made a fun cameo in a Wimpy Kid promotion.Olivia Amato and Matty Maggiacomo were spotted in the audience at Saturday Night Live.Big milestones: Mayla Wedekind and Cliff Dwenger celebrate five years with Peloton.Ally Love is back on the live class schedule.The latest Peloton artist series features the music of Avicii.Celebrity sightings: Rachel Harris and Ricki Lake joined Kirsten Ferguson for a class.BODi has launched a new subscription plan for its fitness platform.Alo Moves introduces its new "Wellness Club," and it's completely free.Lululemon's founder has initiated a proxy fight within the company.Get ready for a fresh start with a variety of new classes for the new year.Peloton's annual 100-Day Challenge is back to kickstart your fitness goals.Kirsten Ferguson is teasing a brand-new fitness program scheduled for January.Rebecca Kennedy also has a new program coming for members.Respin is hosting a private studio event for its community in January.We got a look at some behind-the-scenes footage from the Christmas Carol walk.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Congratulations, you have made it to the last day of the Bible in a Year journey! Fr. Mike concludes our journey through the Bible by reflecting on the promise of a new heaven and a new earth in Revelation 21. It is this profound promise that reassures us that Christ is the beginning and the end, the one who makes all things new, the one who wipes away every tear, the one who conquers death, and the only one who offers us everlasting life, a life without end. Today's readings are Revelation 21-22, Hebrews 11-13, and Proverbs 31:30-31. 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.

Congratulations, you have reached Day 365! We conclude our journey through the Catechism with the final “nugget day” as we review the seven petitions of the Lord's prayer. In closing, Fr. Mike reminds us of the purpose of our time with the Catechism: recognizing that every part of our human experience matters to God simply because he loves us. It matters to God that we know him, worship him, live in his love, and draw near to him in prayer. We respond to God's astounding love for each of us with our final “Amen- so be it.” Today's readings are Catechism paragraphs 2857-2865. This episode has been found to be in conformity with the Catechism by the Institute on the Catechism, under the Subcommittee on the Catechism, USCCB. For the complete reading plan, visit ascensionpress.com/ciy Please note: The Catechism of the Catholic Church contains adult themes that may not be suitable for children - parental discretion is advised.

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