Podcasts about DBA

Could an AI catch what auditors and a CFO missed? This week, Blake and David unpack how a founder used Claude to scan QuickBooks and uncover a $2.1M embezzlement in 18 minutes. They also tackle Deloitte's AI ‘workslop' refund, shutdown-driven IRS and air travel woes, the IRS's new “CEO” and crypto ties, OpenAI's personal finance play, EY's audit rebound, BDO's ESOP squeeze, and crypto funds courting CPA clients.SponsorsCloud Accountant Staffing - http://accountingpodcast.promo/cas Rippling - http://accountingpodcast.promo/ripplingAssembly - http://accountingpodcast.promo/assemblyChapters(01:35) - Deloitte's AI Report Scandal (09:05) - Government Shutdown Impact on IRS and Air Travel (23:56) - AI in Accounting: Risks and Opportunities (34:49) - Competing with the Status Quo (35:38) - Pricing Bookkeeping Services (36:31) - Standardizing Services Based on Price (37:14) - Client Needs vs. Service Offerings (38:00) - The Monthly Close Obsession (40:01) - Broken Charts in Financial Reports (43:15) - Cracker Barrel Logo Controversy (47:08) - EY's Audit Quality Turnaround (49:53) - Crypto Investment Schemes (55:48) - BDO's Financial Struggles (01:00:34) - Conclusion and Announcements  Show NotesDeloitte to partially refund Australia for report with apparent AI-generated errors https://abcnews.go.com/Technology/wireStory/deloitte-partially-refund-australian-government-report-apparent-ai-126281611Claude Exposed My Co-Founder's $2M Theft — AI Evidence Turned Into Lawsuit https://techbullion.com/claude-exposed-my-co-founders-2m-theft-ai-evidence-turned-into-lawsuit/New Research: 20% of Americans use AI tools 10X+/month, but growth is slowing and traditional search hasn't dippedhttps://sparktoro.com/blog/new-research-20-of-americans-use-ai-tools-10x-month-but-growth-is-slowing-and-traditional-search-hasnt-dipped/The Danger of Bad Charts https://www.cpajournal.com/2025/10/10/the-danger-of-bad-charts-2/Cracker Barrel's logo controversy was driven by bots https://www.nrn.com/casual-dining/cracker-barrel-s-logo-controversy-was-driven-by-bots-what-operators-should-learn-from-thisOur commitment to audit quality — Ernst & Young LLP's 2025 report https://www.ey.com/en_us/assurance/audit-quality-reportEY drops clients to improve audits after leading Big Four in deficiencies https://www.cfobrew.com/stories/2024/08/27/ey-drops-clients-to-improve-audits-after-leading-big-four-in-deficienciesOpenAI Buys Personal Finance App Roi https://www.pymnts.com/acquisitions/2025/openai-buys-personal-finance-app-roi/With its latest acqui-hire, OpenAI is doubling down on personalized consumer AI https://techcrunch.com/2025/10/03/with-its-latest-acqui-hire-openai-is-doubling-down-on-personalized-consumer-ai/BDO USA Expands Professional Services Capabilities Through HORNE https://www.bdo.com/insights/press-releases/bdo-usa-expands-professional-services-capabilities-through-horneAuditor BDO Cuts Jobs With Focus on Managing Apollo Debt https://www.bloomberg.com/news/articles/2025-10-11/auditor-bdo-cuts-jobs-with-focus-on-managing-apollo-debtNeed CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifiedsCollective by DBA - https://collective.cpa/ Want to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe ...

I caught a short post from Gary Bargsley on LinkedIn that had this quote: "Many people do not believe this is true. If there isn't a fire to put out, then you are not doing a good job." He included a repost from Shaik Ashraf with that quote and an image that explains better what things a DBA is doing because they aren't always busy. I would say that by busy we think of a DBA as rushed and always trying to fix something that isn't working well. I've certainly walked into operational positions where this was the case. Things weren't working smoothly or breaking regularly. My phone was always ringing, as I moved from crisis to crisis. For some systems, rebooting them regularly was the fix, not because I didn't want to determine a root cause and fix them, but because I had too many other priorities. A reboot at least recompiled plans, cleared caches, and got the system working for a few days. Read the rest of The Improvement Limit

What if the chaos in your life was part of a greater plan? In this episode of the Spiritual Journey Podcast, Nimesh Radia sits down with Beth Kraszewski — President of Purposeful Wealth Advisors — to explore the deep spiritual lessons hidden within life's transitions. From navigating divorce to conscious parenting and balancing spirituality in corporate spaces, Beth reveals how self-care, boundaries, and mentorship create resilience in the face of uncertainty.She shares her own powerful transformation, insights from supporting women through financial shifts, and a preview of her upcoming book, Stronger Than You, designed to empower women through life's most challenging transitions. Together, Nimesh and Beth explore how to observe chaos without absorbing it, and how letting go allows greater possibilities to flow in.✨ This conversation is your reminder that you are stronger than you know — and that even in moments of upheaval, your spiritual journey is leading you toward profound growth and empowerment.

The collision repair industry is transforming—advanced technology, connected cars, and electric vehicles are redefining what it means to “fix it right.” But as the industry evolves, raising repair standards and collaboration remain essential.In this episode, Matt DiFrancesco talks with Frank Phillips, a 35-year industry veteran with experience at Caliber, Rivian, and ADAS, about how shop owners can adapt and lead through change. Frank shares insights on professional development, specialization, and the growing need for education—both for technicians and consumers.He also discusses the critical role of industry associations and legislative advocacy in shaping the future, ensuring that repair quality, safety, and professionalism continue to move the entire industry forward.Matt and Frank also talk about:(03:18) Why shop owners can't afford to coast anymore(03:42) How diverse experience sharpens perspective in a changing industry(08:47) How professionalism replaced the “hobby shop” mindset(09:15) Why knowing what you don't know drives growth(09:56) The shift toward specialization, EVs, and certification(12:05) Why there's no such thing as a simple fender bender anymore(12:29) How shop owners can get paid for proper repairs(14:10) Why educating consumers builds empathy and trust(19:39) How pre-framing the customer prevents conflict later(20:35) Why associations must lead consumer education(23:42) Why a united industry voice builds credibility and consistency(27:31) How collaboration among repairers, insurers, and OEMs protects consumers(28:38) Why slowing down early saves time and money later(30:48) How doing repairs the right way leaves the industry strongerConnect With Frank PhillipsLinkedIn: https://www.linkedin.com/in/frank-phillips-17b33341/Email: frank.phillips72@gmail.comConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:With over 35 years in the Automotive Collision industry, Frank Phillips has built a career rooted in gratitude, service, and leadership. Deeply thankful for the opportunities this industry has provided to him and his family, he remains committed to honoring the legacy of the icons who paved the way before him.Today, Frank focuses on giving back—mentoring others, sharing hard-earned insights, and encouraging the next generation of collision repair professionals to continue raising the standard and strengthening the reputation of the trade. Passionate about collaboration and progress, he believes the industry thrives when its members support one another, ensuring transportation—the backbone of modern life—continues to move the world forward.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategies discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

The Pure Report welcomes Anthony Nocentino, Sr. Principal Field Solution Architect, to delve into the future of databases and data management. This episode looks at the explosive growth of relational databases and the impact of SQL Server 2025, Oracle 23ai, and AI-driven demands. We explore how Pure Storage is not just keeping pace with database growth but actively simplifying management, scaling, and protection, moving beyond foundational support to offer operational freedom for DBAs and infrastructure teams. Anthony tackles the pressing challenges faced by database environments today, including fragmented storage infrastructure, manual provisioning, and the complexities of compliance, disaster recovery, and hybrid cloud strategies. Anthony sheds light on how these issues contribute to real-world burnout among DBAs and infra team members. The discussion will also cover the evolving roles of these professionals as they increasingly become platform performance engineers, cloud strategists, and data ops troubleshooters in a world of multiple database engines and unpredictable resource needs driven by AI workloads. Hear about how Pure's vision for the Enterprise Data Cloud connects to database operations, including key announcements from our Accelerate Vegas and NYC events. We dive into how Pure Fusion with workflow templates and Pure1 offers intelligent, AI-powered workload and resource management, automated policy-based provisioning, and a unified single control plane across on-prem, cloud, and hybrid environments. The episode also explores the implications for enterprise-ready storage with the FlashArray platform family, showcasing how products like FA//XL, FA//X, FA//C, and FA//ST simplify workload expansion and provide significant performance benefits. Finally, we'll get Anthony's "Hot Takes" on critical DBA tasks, dream fixes for database environments, and common myths he'd like to debunk, all while looking forward to Pure's presence at Oracle AI World.

I've spent quite a bit of my career as a DBA/sysadmin/Operations person. However, I've had my share of development positions as well. As I work with customers who look to mature their database development to be more like other software development, I've noticed that PRs sometimes don't get handled as smoothly as we might like. In some sense, they are like help desk trouble tickets that never get closed. One of the first things I caution people about is specifying specific reviewers, especially DBAs. There are often DBAs who are the gatekeepers for code, but if we require them to be the only ones to review code before a CI or test process, we really slow things down. This often happens in smaller environments where one DBA wants to avoid anything impacting their job. They want to review everything before it commits. Read the rest of PRs Are Like Trouble Tickets

The Dairy Business Association promoted Chad Zuleger to executive director. Having nearly seven years of experience at DBA, Zuleger is dedicated to advocating for the state’s dairy community. As executive director, Zuleger will continue to lead DBA’s efforts in the state capitol. He also tells Stephanie Hoff that he will also direct DBA’s government affairs strategy, guiding public policy and messaging and fostering member involvement in grassroots campaigns. He will oversee the organization’s political action committee. Nothing to complain about with today's weather forecast. Stu Muck says for the 30th of September, these temperatures are well above normal for Wisconsin. While some are worried about the lack of rain, Stu says that may change coming up next week.This is the last week for people to get their auction items, or planned auctions connected with the Steffes Group. Ashley Huhn tells Pam Jahnke that they're wrapping up their quarterly catalog that will be distributed to more than 80 recipients this fall. Paid for by the Steffes Group.20,000 grilled cheese sandwiches is just one feature that anyone can enjoy at World Dairy Expo. Stephanie Hoff talks to Grace Mansell, a member of the Badger Dairy Club which oversees production of those grilled cheese. She says it's a juggling act to get ingredients, volunteers, and students all pulling in the same direction to deliver the hot, tasty treats.The harvest has control of the market these days. That's the word from John Heinberg, market advisor with Total Farm Marketing in West Bend. He tells Pam Jahnke that today the USDA Grain Stock Report could bring some interesting numbers to the harvest dynamic. Heinberg also notes that corn demand remains exceptionally strong.See omnystudio.com/listener for privacy information.

Thank you Sandra D, Elwyn Hudson, Marg KJ, Margaret Ryan, Richard Hogan, MD, PhD(2), DBA, and many others for tuning into my live video! Join me for my next live video in the app.* Trump's $20B Bailout Betrays U.S. Farmers, Benefits Argentina & China: Trump's $20B bailout of Argentina boosts China's soybean imports while U.S. farmers face ruin. [More]* If more moms prevented Charlie Kirk's programming … To hear more, visit egberto.substack.com

Thank you Richard Hogan, MD, PhD(2), DBA, Mary B ☮️, Steven Rosenzweig, Jane B In NC

Thank you Richard Hogan, MD, PhD(2), DBA, Gayla Kunis, Steven Rosenzweig, Margaret Ryan, LBW, and many others for tuning into my live video! Join me for my next live video in the app.* Dallas ICE Shooting Reveals Dangers of Mainstream Media Spin: The Dallas ICE shooting exposes how mainstream media manipulates facts to shape political narratives. [More]* Oklahoma Teacher Exposes Bible Mandate and Altered C… To hear more, visit egberto.substack.com

Most shop owners have a CPA, an attorney, and maybe a financial advisor—but without a conductor, progress stalls. That's why you need someone to act as the conductor, bringing all the pieces together.In this episode, Matt Di Francesco shares how the right advisor can quarterback the process, providing emotional guidance, holistic oversight, strategic vision, and accountability—so you avoid costly mistakes and move forward with clarity.Matt also talks about:(02:07) Why your financial life needs a conductor(03:20) Four reasons to hire an advisor (04:20) How personal vision acts as your GPS for life and business(06:15) Why holistic oversight keeps your plan  working together(10:02) How accountability helps you overcome procrastination and blind spots(13:25) How a certified exit planner helps you navigate tax and legal complexitiesConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialDisclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

Crypto investors love to throw around “FDV” as if it's the ultimate measure of value. But what if that number is more misleading than helpful?  In this episode, DBA's Jon Charbonneau explains his proposal to cut Hyperliquid's supply by nearly half, why he believes FDV overstates real valuations, and how outdated tokenomics are holding projects back.  We also cover whether the Hyperliquid team should take smaller allocations if they cut the token supply and what Jon thinks of Arthur Hayes' HYPE sale just weeks after saying the token would 10x. Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Thank you to our sponsor, ⁠Mantle⁠! Guest: Jon Charbonneau, Co-founder and General Partner of DBA Links: Proposal to Reduce HYPE Total Supply by 45% by Jon Charbonneau, Co-founder of DBA Maelstrom post: HYPE's Damocles Sword Unchained: Nearly $12 Billion in HYPE Token Unlocks Loom Ahead: Maelstrom  Timestamps:

Crypto investors love to throw around “FDV” as if it's the ultimate measure of value. But what if that number is more misleading than helpful?  In this episode, DBA's Jon Charbonneau explains his proposal to cut Hyperliquid's supply by nearly half, why he believes FDV overstates real valuations, and how outdated tokenomics are holding projects back.  We also cover whether the Hyperliquid team should take smaller allocations if they cut the token supply and what Jon thinks of Arthur Hayes' HYPE sale just weeks after saying the token would 10x. Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Thank you to our sponsor, ⁠Mantle⁠! Guest: Jon Charbonneau, Co-founder and General Partner of DBA Links: Proposal to Reduce HYPE Total Supply by 45% by Jon Charbonneau, Co-founder of DBA Maelstrom post: HYPE's Damocles Sword Unchained: Nearly $12 Billion in HYPE Token Unlocks Loom Ahead: Maelstrom  Timestamps:

Thank you Richard Hogan, MD, PhD(2), DBA, Elwyn Hudson, Mary B ☮️, Marg KJ, Greg Owens, and many others for tuning into my live video! Join me for my next live video in the app.* Charlie Kirk's Toxic Legacy of Hatred and Division: We can condemn political violence and this hideous murder while also condemning Charlie Kirk for the rotten, vile hatred he fomented. [More]* The 1776 Project is out to get… To hear more, visit egberto.substack.com

Steven goes over some news of the past couple weeks, including Yes' Fragile UK tour dates, Wakeman & Son's US tour dates, DBA's sixth album, a limited edition Jon Anderson item, a Yes song appearing in a Netflix documentary, and more!

Thank you Independent Voter 1, Marg KJ, Chris Rey, Richard Hogan, MD, PhD(2), DBA, and many others for tuning into my live video! Join me for my next live video in the app.* We must not yield to the Charlie Kirk saintly myth or else: If we allow the Right along with the complicity of the mainstream media to deify Charlie Kirk given the hate he promoted we are marginalizing more than half the country with a manufactured hero. [More]* New ‘Thought Policing' Bill May Let Rubio Strip Passports from US Citizens Over Political Speech: “Marco Rubio has claimed the power to designate people terrorist supporters based solely on what they think and say,” said one free speech advocate. [More]* With Premiums Set to Rise, a Reminder: ‘Medicare for All Would Save $650 Billion' Annually: “Your periodic reminder that health insurance is not healthcare,” said one advocate. “It's an unnecessary middleman designed to restrict access to healthcare and exploit people for profit.” [More] To hear more, visit egberto.substack.com

Thank you Sandra Dingler, Marg KJ, Lana Foley, Richard Hogan, MD, PhD(2), DBA, and many others for tuning into my live video! Join me for my next live video in the app.* The Costs of Our For-Profit Healthcare System Continue to Rise: Every other developed country guarantees healthcare to all citizens as a basic human right. We're essentially the only ones that decided to turn our health into… To hear more, visit egberto.substack.com

Thank you Richard Hogan, MD, PhD(2), DBA, ITS Never Happening…, Marg KJ, Pamela Zenick, Carol Q, and many others for tuning into my live video! Join me for my next live video in the app.* Beware Rich Men Quoting the Bible to Punish the Poor: The Trump administration and its theological apologists are working overtime, using Jesus' name and the Bible's contents in even more devastating rounds of immoral bibl… To hear more, visit egberto.substack.com

The collision industry has evolved from handwritten estimates to automation, but one thing remains constant—people.In this episode, Matt DiFrancesco talks with John Stuef, a 40-year industry veteran, about what decades in business taught him about leadership, human behavior, and motivation. John shares how neurochemistry shapes culture, why balance and health matter, and how lessons from dog training apply to leading teams.He also offers practical advice for shop owners on succession planning, valuing their business, and finding purpose beyond the shop.Matt and John also talk about:(02:16) How the book From Doing to Leading came about(04:40) Why technical skill isn't enough(06:03) Can leadership really be learned?(06:32) How recognition triggers chemistry that builds culture(07:52) Why fear shuts people down—and how leaders can unlock growth(11:47) Choosing response over reaction: reframing daily challenges(14:40) The connection between physical health and stronger leadership(20:16) The blind spots that cost shop owners value(23:16) Why succession planning starts on day one(25:18) The “rule of threes” and why purpose drives new venturesConnect With John StuefLinkedIn: https://www.linkedin.com/in/john-stuef-b8a84a47/Check out John's book: From Doing to Leading: Your Guide for Inspiring People on the Front Lineshttps://a.co/d/gmOfzCxConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:John Stuef is a 40-year veteran of the collision repair industry and a seasoned entrepreneur. After building and successfully exiting a multi-shop operation, he went on to hold leadership roles with Caliber and AutoNation before branching into new ventures. Today, John has diversified his career into health and fitness, product development, and dog training through his business, The Dog Captain.He is also the author of From Doing to Leading, a book that explores leadership through the lens of neurochemistry and human behavior. A strong advocate for holistic well-being, John emphasizes the importance of health, balance, and purpose alongside financial success. His unique blend of industry expertise, leadership insights, and personal development journey offers powerful lessons for business owners preparing for their next chapter.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

 It is never too soon to plan the legacy you want to make sure your estate is in order and heirs are taken care of. This episode defines key steps you will want to consider. We review how retirement is changing. And how much money people think you need to have to be wealthy. WestPac Wealth Partners - Guests:  Aaron Domingo 808-398-6955‬  Email  Diego Lopes 503-207-4555   Email  Website  Financial Professionals Our guests design and implement financial strategies that are processed focused, that are process focused and based on sound financial principles. By educating clients to make smart decisions in the accumulation, protection and enjoyment of wealth, thereby reflecting their values, love of family, and commitment to community. Disclosures Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. WestPac Wealth Partners LLC is not an affiliate or subsidiary of Guardian. Insurance products offered through WestPac Wealth Partners and Insurance Services, LLC, a DBA of WestPac Wealth Partners, LLC. CA Insurance License Number - 0M56081. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof. Exp: 6/27   HELP US SPREAD THE WORD!!  If you loved this episode, kindly leave us a Review - FOLLOW this show and Share it on Social !  It would mean the world  

Brian Skrobonja talks about the five habits billionaires live by, habits you can use to create your own financial freedom. Tune in to hear the benefits of having ruthless focus, how frugality with purpose can actually give you more freedom, and why you need to start looking at your life in decades instead of paychecks. Expect to hear practical ideas you can start right away, like trying a 30-day luxury swap, creating a simple “not-to-do” list, and carving out time each week to invest in your own growth. These habits aren't about making more money. They're about making smarter decisions with the money you already have. Brian starts by explaining the habits billionaires live by, habits you can use to build your own financial freedom without ever needing their billions. Habit #1 – Relentless Focus. Brian reveals why focus beats chasing every opportunity. When you treat your biggest financial decisions as limited, you naturally filter out the noise. Billionaires like Warren Buffett, built their fortunes not by jumping on every hot IPO, but by concentrating on businesses they deeply understood, like Coca-Cola, American Express, and Apple, and letting those few bets compound for decades. Habit #2 – Frugality with a Purpose. Learn how to spend with intention instead of deprivation. When most people hear “frugality,” they think of avoiding fun and living on less. But the kind of frugality billionaires practice is built on ensuring money serves a purpose instead of wasting it away. Learn how trimming just one recurring expense and redirecting it into savings, investments, or even a passion project can completely shift your financial future. Try Brian's 30-day luxury swap challenge: Pick one expense that's nice, but not essential, maybe a subscription or upgrade you don't really need. Cut it for a month, and redirect that money toward your retirement account, debt payoff, or travel fund. Habit #3 – Long-Term Vision. Brian emphasizes that one of the most dangerous habits with money, and in life, is thinking too small and too short-term. Most people plan only until the next paycheck, vacation, or bill. But billionaires stretch their thinking into decades, sometimes even generations. Learn how to apply Jeff Bezos' “Day One” mindset and how it can help keep you hungry, curious, and willing to make bold moves for the long game. Brian shares how you can apply this principle to your own finances and career, so that you're not just reacting to what's in front of you, but building something designed to last. Habit #4 – Investing in Knowledge. Brian shares why billionaires obsess over learning: They treat knowledge like an asset that compounds faster than money. The goal of reading and studying isn't to become a walking encyclopedia, it's to build a mental toolkit that helps you spot opportunities, make sharper decisions, and avoid costly mistakes. Habit #5 – What Billionaires Don't Do. Learn the power of ruthless elimination: Billionaires don't have more hours than the rest of us, the difference is what they choose to ignore. Brian explains that billionaire success comes from cutting out distractions, declining projects that don't align with their goals, and saying “no” to almost everything that doesn't matter. How to create your “Not-To-Do List”: Brian challenges you to write down three things you'll ignore for the next 30 days. Maybe it's obsessively checking your portfolio, doomscrolling the news, or saying yes to commitments that drain your energy. According to Brian, billionaires are successful because they know what to work on, what to ignore, and they build habits that compound for decades. The good news is you don't need a billion dollars to build these habits.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: Lesson 1 – Relentless Focus https://www.fool.com/investing/general/2004/05/05/warren-buffett-and-his-20-punches.aspx https://www.investopedia.com/articles/stocks/08/buffett-style.asp?utm_source=chatgpt.com https://fortune.com/2023/11/20/elon-musk-10-laws-of-management/ https://www.forbes.com/profile/charles-koch/?utm_source=chatgpt.com Lesson 2 – Frugality with Purpose https://www.forbes.com/sites/michaeldominguez/2018/02/20/the-frugal-habits-of-the-ikea-founder-that-built-a-40-billion-company/ https://www.businessinsider.com/how-warren-buffett-spends-money-net-worth?utm_source=chatgpt.com https://www.marketwatch.com/story/warren-buffett-reveals-how-much-he-spends-on-breakfast-2017-05-08?utm_source=chatgpt.com https://finance.yahoo.com/news/multi-billionaire-still-calls-cable-165400872.html Lesson 3 – Long-Term Vision https://www.aboutamazon.com/news/company-news/amazons-original-1997-letter-to-shareholders https://www.forbes.com/sites/quora/2017/04/21/what-is-jeff-bezos-day-1-philosophy/ https://www.gatesnotes.com/?utm_source=chatgpt.com https://www.investopedia.com/articles/markets/102215/how-microsoft-makes-money.asp?utm_source=chatgpt.com https://www.forbes.com/profile/sheldon-adelson/?utm_source=chatgpt.com https://www.reviewjournal.com/business/casinos-gaming/sheldon-adelson-las-vegas-sands-vision/ Lesson 4 – Investing in Knowledge https://fs.blog/warren-buffett-reading/?utm_source=chatgpt.com https://www.cnbc.com/2017/12/27/warren-buffett-once-offered-up-his-best-investing-advice.html?utm_source=chatgpt.com https://www.wsj.com/articles/SB10001424052748704904604576333424745445360?utm_source=chatgpt.com https://law.stanford.edu/2014/02/24/peter-thiel-on-start-ups-and-innovation/?utm_source=chatgpt.com Lesson 5 – What Billionaires Ignore https://www.businessinsider.com/warren-buffett-investing-advice-2017-2?utm_source=chatgpt.com https://www.forbes.com/profile/charles-koch/?utm_source=chatgpt.com https://www.inc.com/business-insider/michael-bloomberg-success-lessons.html?utm_source=chatgpt.com     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC.

The Dairy Business Association promoted Chad Zuleger to executive director. Having nearly seven years of experience at DBA, Zuleger is dedicated to advocating for the state’s dairy community. As executive director, Zuleger will continue to lead DBA’s efforts in the state capitol. He will also direct DBA’s government affairs strategy, guiding public policy and messaging and fostering member involvement in grassroots campaigns. He will oversee the organization’s political action committee and play a key role in implementing DBA’s multi-year strategic plan.See omnystudio.com/listener for privacy information.

This commercial-free episode of Money Management was originally broadcast on Saturday, August 1st, 2025, in which Opus 111's Jim Harvey had a one-on-one conversation with Bob Carey from First Trust.Each week, enjoy a fresh episode of Money Management, with Jim Harvey, Mike Maehl, Andrew Harvey and the rest of the Opus 111 Group team offering their ground-level view of the week's financial news and events.The Investment Advisor Representatives (IARs) use the trade name/DBA, Opus 111 Group. All securities & advisory services are offered through Commonwealth Financial Network©, Member FINRA/SIPC, a Registered Investment Adviser. For a current list of our IARs please visit our website.Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network. The Financial Advisors associated with this website may discuss and/or transact business only with residents in states which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrationsInformation presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.Review our Terms of Use:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.commonwealth.com/termsofuse.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Opus 111 Group is located at 111 Queen Anne Avenue North Suite 501 Seattle, WA98109-4925. Reach us at (206) 283-2345 or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@opus111group.com⁠

This commercial-free episode of Money Management was originally broadcast on Saturday, August 23rd, 2025, in which the Opus 111 Group team gives you some alternative perspective on the latest financial news. How the market and inflation get along, and just how much will AI affect future jobs?Each week, enjoy a fresh episode of Money Management, with Jim Harvey, Mike Maehl, Andrew Harvey and the rest of the Opus 111 Group team offering their ground-level view of the week's financial news and events.The Investment Advisor Representatives (IARs) use the trade name/DBA, Opus 111 Group. All securities & advisory services are offered through Commonwealth Financial Network©, Member FINRA/SIPC, a Registered Investment Adviser. For a current list of our IARs please visit our website.Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network. The Financial Advisors associated with this website may discuss and/or transact business only with residents in states which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrationsInformation presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.Review our Terms of Use:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.commonwealth.com/termsofuse.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Opus 111 Group is located at 111 Queen Anne Avenue North Suite 501 Seattle, WA98109-4925. Reach us at (206) 283-2345 or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@opus111group.com⁠

This commercial-free episode of Money Management was originally broadcast on Saturday, July 26th, 2025, in which the Opus 111 Group team gives you some alternative perspective on the latest financial news. Talking about the second quarter's performance and a reduction of consumer's fears.Each week, enjoy a fresh episode of Money Management, with Jim Harvey, Mike Maehl, Andrew Harvey and the rest of the Opus 111 Group team offering their ground-level view of the week's financial news and events.The Investment Advisor Representatives (IARs) use the trade name/DBA, Opus 111 Group. All securities & advisory services are offered through Commonwealth Financial Network©, Member FINRA/SIPC, a Registered Investment Adviser. For a current list of our IARs please visit our website.Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network. The Financial Advisors associated with this website may discuss and/or transact business only with residents in states which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrationsInformation presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.Review our Terms of Use:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.commonwealth.com/termsofuse.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Opus 111 Group is located at 111 Queen Anne Avenue North Suite 501 Seattle, WA98109-4925. Reach us at (206) 283-2345 or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@opus111group.com⁠

Going to industry conferences can be one of the most valuable investments you make in your shop's future. Stepping away during the busy season might feel impossible, but the connections, insights, and strategies you gain at these events often pay dividends long after you return home.In this episode, Matt Di Francesco breaks down why events like these are worth your time. He shares the five key benefits of attending—from discovering new technology and legislative updates to networking with peers, empowering your technicians, and even inspiring the next generation of your family to take part in the business.Matt also talks about:(01:56) How conferences help you work on the business(04:13) How after-hours networking drives breakthroughs(05:15) Why bringing techs to conferences expands team knowledge(06:04) How shared insights boost innovation(06:43) Why investing in people builds pride and productivity(07:52) How conferences can inspire the next generationUpcoming conferences:The Texas Auto Body Trade ShowSeptember 12-13, 2025https://www.abat.us/trade-show/Music City Collision ConferenceSeptember 26-27, 2025https://mytcra.com/music-city-collision-conference/SEMA Show 2025November 4-7, 2025https://www.semashow.com/Connect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialDisclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategies discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

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The fastest way to grow 17 brands might be to advertise one.Kellogg's made a deliberate shift from spreading budget across 17 sub-brands to backing the masterbrand—reviving underused distinctive assets (hello, Cornelius), aligning a region on one idea, and building a creative platform with swagger. “Ultimately, a brand is a promise.”What this episode covers:Masterbrand vs sub-brands: Why the team said, “We absolutely have to back the master brand”—and how one super-asset can “float all the other boats.”Global idea, local truth: The universal insight—win the morning (“you do you”) or you compromise the day—rooted in a 300+ person ethnographic study across Europe.Distinctive Brand Assets with plot (not just props): The DBA audit that unlocked Back the Bird, plus the moment the team literally “backed the bird.”Music as memory structure: How Jurassic 5 became their first-ever ad license—and why the track was stress-tested on set until nobody could imagine the film without it.Retail reality: Competing with own-label through superior product + brand value, a ruthless shelf line—Get the Original—and activations only Kellogg's can do (e.g., EFL soccer camps).Effectiveness & scale: Ipsos and System1 pre-tests scored extremely highly; early sentiment is off the charts across UK/IE and also France/Italy—giving confidence to build the platform out.01:36 Kellogg's Legacy and Marketing Philosophy02:19 The Power of the Kellogg Master Brand06:20 Building Internal Alignment12:06 Global to Local Marketing Challenges20:44 Reviving Cornelius the Rooster24:20 Discovering Cornelius: The Strong DBA Asset25:08 The Role of Music in Advertising28:36 The Journey of Marketing Transformation32:46 Facing the Challenge of Own Label Brands37:19 The Power of Creativity and Brand Identity39:25 Measuring Success and Future Plans44:22 A Defining Moment for the Brand Hosted on Acast. See acast.com/privacy for more information.

Looking for a fresh take on ethics in the business world? In this insightful episode of Count Me In, host Adam Larson sits down with acclaimed professors and Curt Verschoor Feature of the Year authors Douglas Boyle, Daniel Haggerty, and Dana Hermanson. The trio brings their unique expertise—and plenty of real-world wisdom—to a lively conversation about what “virtue” really means in accounting, finance, and leadership. Daniel traces the roots of virtue all the way from Greek philosophy to modern business, showing why courage, strength, and excellence matter just as much today. Doug and Dana share practical examples from their teaching and research, exploring why business education often misses the mark on building character—and how professionals at any stage can start making ethical choices that go beyond simply following rules. Tune in for a thought-provoking, accessible discussion that will have you rethinking what it truly means to lead with integrity. Sponsor:Today's episode is brought to you by U.S. Bank. U.S. Bank is a trusted financial partner for our clients, businesses and communities. We believe in doing the right thing and putting people first. It's an honor to be recognized as one of the World's Most Ethical Companies® by the Ethisphere Institute for the tenth consecutive year. From commercial credit cards and program management tools to innovative payment technologies and transportation offerings, U.S. Bank Corporate Payment Systems has the right solution to help your organization reduce payment costs, enhance control and streamline your entire payment processing function. We'll partner with you to uncover your challenges and provide smart, clear and honest guidance to help you meet the financial goals for your business. Visit usbank.com/corporatepayments to learn more.

Thank you Richard Hogan, MD, PhD(2), DBA, Cynthia Verdell, Mary B, MC, and many others for tuning into my live video! Join me for my next live video in the app.* AFT Pres. Randi Weingarten admonishes Democratic Party as she explains reasons for leaving DNC: During Netroots Nation 2025, the president of the American Federation of Teachers discussed the reasons she left the DNC as she admonished the Democrati… To hear more, visit egberto.substack.com

Most shop owners spend years building their business—but when it's time to exit, many are caught off guard by the emotional toll of letting go. In fact, 75% of owners regret their decision within a year, often due to a loss of identity and a lack of purpose after the exit.In this episode, Matt Di Francesco explores the emotional challenges of transitioning out of your shop. He shares real stories of owners who struggled with their identity after exiting, and how tools like personal vision statements, family conversations, and peer support networks can ease the process. Matt also talks about:(01:55) Why 75% of business owners regret selling within a year(03:33) Why your post-shop life should be the starting point of any exit plan(04:24) How a personal vision statement helped one owner rethink his exit (05:35) Why family involvement can shift the future of your business(07:14) How financial planning helped one owner balance fairness and legacy(08:16) Why emotional support is the most overlooked part of succession planningConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialDisclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

Brian Skrobonja talks about the real cost of college—and why most families are dangerously unprepared. Tune in to learn how to fund your child's education without sacrificing your retirement. Expect to hear eye-opening numbers, smarter strategies than 529 plans, and a flexible approach that keeps you in control, no matter what path your child takes. Brian starts by explaining how to avoid being blindsided by college costs. Most parents assume they'll have time until the first invoice shows up. And when it does, it doesn't just hit your wallet—it hits your entire financial life. Understand why “college tuition” is just one part of the picture. The real cost includes everything else: housing, books, transit, lab fees, and incidentals. And those extras can add up to more than tuition itself. Brian explains how college costs can quietly destroy retirement plans. You want to help your child, but helping without a plan can wipe out decades of savings.  How to ensure college costs don't catch you by surprise.  Learn why a 529 plan is helpful—but also restrictive. It only works if your child follows a specific path and goes to college.  Brian describes why flexibility should be a priority when planning for college. What if your child takes a gap year? What if they don't go to college at all? You need a funding tool that moves with life—not against it. Why a 529 plan can hurt your financial aid eligibility. Every dollar in that account shows up on the FAFSA. And that could mean less aid, more loans, and more stress. How cash value life insurance creates breathing room. It doesn't show up on aid forms, and you can use the money for anything—college or not. That kind of freedom changes how you plan. Brian explains how life insurance can do what college savings accounts can't: tax-deferred growth, tax-free access, and zero usage restrictions.  Learn why not all life insurance is designed for this. Some policies are built for death benefits—not cash value. You need the right structure, the right funding, and the right guidance. How to plan for college without sabotaging your lifestyle. Tuition shouldn't mean pausing your retirement or downsizing your life. According to Brian, smart planning means both futures can coexist. Understand the real power of liquidity in college planning. For Brian, savings are great. But if they're locked up when the bills arrive, they're just numbers on paper. Brian reveals why thinking in lump sums is the wrong mindset. College is a cash flow challenge, not just a savings goal. You don't need $200K on day one—but you do need to know where every semester's payment will come from.  Brian describes what real planning actually looks like. It's not just picking an account—it's designing a strategy. One that flexes, protects, and puts you in control, no matter what life throws your way.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: https://capstonewealthpartners.com/11192015cash-flow-is-king/?utm_source=chatgpt.com https://research.collegeboard.org/media/pdf/Trends-in-College-Pricing-and-Student-Aid-2024-ADA.pdf?utm_source=chatgpt.com https://www.parents.com/parents-are-sacrificing-to-pay-for-college-11761247?utm_source=chatgpt.com https://moneywise.com/managing-money/debt/my-wife-and-i-are-well-off-but-we-told-our-daughter-21-we-couldnt-afford-to-pay-for-her-college-now-shes-graduated-with-90k-in-student-loans-and-a-chip-on-her-shoulder?utm_source=chatgpt.com https://www.benefitnews.com/news/citizens-parents-compromise-retirement-over-college-costs?utm_source=chatgpt.com https://crsreports.congress.gov/product/pdf/IN/IN12024     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC.

בפרק זה אנחנו מראיינים את אסף שלם. אסף הוא DBA בעל שנים רבות של ניסיון בחברות גיימינג וטכנולוגיות שונות. אנחנו מדברים על נסיונו של אסף, הישגיו המעניינים, ומה כדאי ל-DBA-ים לדעת בהקשר של העולם המודרני בענן ובינה מלאכותית. קישורים רלוונטים: Assaf Shalem | LinkedIn

echnicians are the heartbeat of the collision repair industry, but they're often underserved when it comes to education, support, and long-term growth. As the demand for skilled labor rises, the need to invest in technician development has never been more urgent.In this episode, Matt Di Francesco talks with Jason Bartanen, founder of Collision ProAssist and veteran technical educator, about his mission to better support technicians through virtual training, live coaching, and real-time guidance. He shares his vision for a more connected, empowered technician community, and how the industry can step up to support its most vital workforce.Matt and Jason also talk about:(02:09) What inspired the launch of Collision ProAssist(03:36) Why technicians remain the most underserved in the industry(04:53) How technician training must be tailored to the tools and the car(07:35) What happens when techs don't get trained on new equipment(08:07) Inside the Back Bay program and its community approach(10:57) Why direct access to tool and product experts matters (14:37) Why better tech support leads to stronger ROI for the shops(15.56) The biggest gaps in financial literacy among techs(24:53) Why a supportive future is key to attracting new techs(27:52) Why now is the best time to own an independent shopConnect With Jason BartanenWebsite: https://www.collisionproassist.com/Email: jason@collisionproassist.comLinkedIn: https://www.linkedin.com/in/jason-b-bartanen-03519935/Sign up for Back Bay Free 7-Day Trial (No credit card required)https://whop.com/collisionproassist/https://whop.com/backbaytrial/Connect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:Jason Bartanen is a respected leader in the collision repair industry, with over two decades of experience dedicated to technical education and innovation. Growing up in his family's body shop, Jason developed a passion for the field early on, which led to a 23-year tenure at I-CAR, where he made significant contributions in technical writing, curriculum development, and building relationships with OEMs.Today, as the founder of Collision Pro Assist, Jason is focused on empowering technicians through virtual training, live coaching, and his innovative Back Bay subscription model—designed to help shops navigate and apply OEM repair procedures with confidence. His mission is centered on delivering accurate, vetted information to the next generation of collision professionals.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

High-net-worth individuals often already have a financial advisor, but many aren't receiving the in-depth investment education or portfolio customization they truly need. That's where Monish Verma comes in. He joins the show today to share his strategy for converting HNW prospects into clients, as well as how a tailored approach to alternative investments and client education can become a powerful differentiator for winning (and keeping) affluent clients. Monish is the CEO of Vardhan Wealth Management, a DBA of Summit Financial, based in Farmington Hills, Michigan, that oversees $560 million in AUM for 225 households. Listen in as he shares how his willingness to spend more time upfront educating prospects and clients has led to higher trust, retention, and referrals. You'll also hear how his team carefully vets alternative investments and helps clients understand where they fit in their portfolios, why he encourages mutual “interviews” with prospects to ensure good long-term fit, and how breaking away from the wirehouse world gave him the autonomy to grow his business on his own terms, while still benefiting from shared services by working with an RIA platform. For show notes and more visit: https://www.kitces.com/448

Many people accumulate their wealth in a bank or a long-term investment, and this may create problems. But there is a different strategy. In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over the Build Banking strategy and how you can consider a different banking paradigm using specially designed life insurance policies that allow you to start banking on yourself. Most people know that banks use other people's money to generate profits. This process is known as Fractional Reserve Banking, which is basically the bank using the spread between interest rates to profit. For banks, it goes a little deeper. Banks can loan out the money they have on deposit to people, and those dollars are then deposited again, which begins the cycle anew. This process acts as a money-printing machine within the economy. Banks aren't currently required to hold any reserves to cover their customer's deposits. The result of Fractional Reserve Banking is the expansion of the money supply which contributes to increased inflation. Silicon Valley Bank recently found itself in trouble and was unable to cover its liabilities leaving depositors to rely on the government to bail them out. It's not realistic to be able to bypass the banking system entirely, but there are ways to take control of how you save and store money with a personal bank-like strategy. Build Banking uses a specially designed whole life insurance policy that's built on the inherent tax-favored nature and unique capabilities of those policies. What makes Build Banking different is the design allows for rapid cash accumulation with uninterrupted tax-free growth, while having access to cash without having to rely on banks or Wall Street, but you have to set aside your preconceptions around life insurance. The challenge is the language around life insurance policies and how most people understand what they are capable of. With traditional banking, you either accumulate money and spend or borrow and then repay it. The Build Banking method offers a different strategy with a specially designed life insurance system that allows you to take back some of the control. Not all policies are the same and loan features can vary greatly, so it's important to work with a professional with experience in this area. The main benefit of the Build Banking strategy is the ability to have your money remain in the policy and continue to grow uninterrupted, while simultaneously using a policy loan from the insurance company for personal use. A business owner has an extra advantage because they can leverage the loan in their business, creating both an internal and external return. This strategy also gives the policy owner a lot of control over how and when the loan is repaid because of the nature of the life insurance policy.      Mentioned in this episode: BrianSkrobonja.com BuildBanking.com     BUILD Banking™️ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™️, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™️ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. Any references to protection, safety or guarantees, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. Skrobonja Insurance Services, LLC does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

DBA co-founder John Charbonneau discusses his journey from TradFi to crypto, detailing his evolution from an Ethereum maximalist to a multi-chain pragmatist. He argues that as the crypto market matures beyond hype cycles, real revenue and cash flow are becoming key valuation metrics. He points to Hyperliquid's controversial rise as a prime example of the industry's struggle with decentralization, noting the irony of Solana advocates lodging critiques once used against them. Looking ahead, Charbonneau predicts successful protocols will adopt traditional functions like customer support and investor relations, viewing regulatory clarity as vital for the industry's future health and transparency.

Each week, Greg and Ben answer your questions on digital marketing for local businesses … local search engine optimization (SEO), Google Business Profile, social media, email marketing, websites, online advertising and more.Updates and QuestionsNew GBP feature for restaurants to highlight specials.Users of Claude find out how to get citations from it.AI overview increases, traffic for Local Search decreases. Internet Marketing Ninjas acquired by Previsible.Google asks for chat number when setting up new GBP.Is there a way to accept Google updates en masse?What should I do if my SAB verification has been pending for weeks?Is GBP no longer accepting utility bills?How do I get verified quickly?How do I add the direct booking option to my GBP?What causes a listing to be suspended before it has the opportunity to get verified?What should I do if I got suspended because of a DBA name change?What is the average wait time for a human response/review from Google regarding the suspension of a profile?Links mentioned in this session are available on our website at https://localmarketinginstitute.com

In deze aflevering hebben we het over ZZP'er die opdrachten mislopen omdat de wet DBA gehandhaafd wordt, dus stappen ze naar de ACM en de Nationale Ombudsman en bespreken we de cijfers van Netflix - die boven verwachting zijn en alle lidstaten zijn akkoord met het 18e sanctiepakket.See omnystudio.com/listener for privacy information.

Send us a textMixing active and passive income in one entity could be costing you thousands. In this episode, we break down why separating your income streams is essential. You'll learn how to structure your business the right way using S Corps, LLCs, holding companies, and even C Corps to unlock advanced tax strategies. From hiring your kids to slashing self-employment tax, this is the blueprint smart business owners use to keep more of what they earn.

lockchain architecture is far from as settled as we've been told.In today's episode, we sit down with Jon Charbonneau, co-founder of DBA, live from Permissionless to challenge some of crypto's most accepted design decisions.Jon questions whether Proof-of-Stake should remain the default consensus mechanism and explores where Proof-of-Governance fits into the future. . We also talk about the security risks as L1s push token inflation toward zero and whether Celestia's move toward data availability fees is hinting at a bigger shift in modular stacks.Plus, we take a closer look at Ethereum's plan to cut slot times from 12 to 6 seconds and ask which blockchain design assumptions need a second look.Let's get into it.The Rollup---Newton is the trust layer for autonomous finance. Smart. Secure. Verifiable. Built for a future where AI agents replace apps and interfaces. Learn more here: https://www.magicnewton.com/Get effortless access to crypto's best DeFi yields. Continually rebalanced by AI powered Keepers to earn you more while saving you time and reducing costs. Learn more here: https://summer.fi/earn?referralCode=2000096----Website: https://therollup.co/Spotify: https://open.spotify.com/show/1P6ZeYd9vbF3hJA2n7qoL5?si=7230787bb90947efPodcast: https://therollup.co/category/podcastFollow us on X: https://www.x.com/therollupcoFollow Rob on X: https://www.x.com/robbie_rollupFollow Andy on X: https://www.x.com/ayyyeandyJoin our TG group: https://t.me/+8ARkR_YZixE5YjBhThe Rollup Disclosures: https://therollup.co/the-rollup-discl

Brian Skrobonja talks about the essentials of building a multi-generational legacy that lasts. He breaks down a blueprint rooted in time-tested principles and inspired by the same structural thinking used by families like the Rockefellers. Tune in to hear the assumptions that leave heirs rudderless, the mistakes that breed entitlement, and why conventional financial tools often fail under the weight of multi-century ambitions. Whether you're building wealth or preparing to pass it on, this episode will challenge your thinking and equip you with a legacy framework designed to stand the test of time. Brian starts by reframing real financial success. It's not just what you accumulate—but what you pass on. Without intentional legacy planning, families risk watching their values and vision fade after just one generation. Mindset 1—The absence of active legacy planning. Too many families assume wealth will transfer naturally from bank account to mindset. But without a clear plan, the next generation never learns—and that's how legacies crumble. According to Brian, active legacy planning is not built on ticking a checkbox. You need a blueprint that makes everything else—governance, communication, liquidity—actually work.  Brian says, “In every family I've worked with, eventually the time comes and one question rises: What happens when we're no longer here to steer the ship?” Most families don't answer that until it's too late. For Brian, legal paperwork alone won't cut it. True generational planning requires a living, breathing roadmap that captures your values, evolves with your family, and keeps everyone aligned for decades. Brian highlights a dangerous myth: “Signing a will means we're done and everything will be taken care of.” In reality, active planning means constant alignment, revisiting, revising, and re-engaging the whole family. Use Brian's four-part legacy framework to build clarity and momentum. 1. Define your why—write down what your wealth is for. 2. Create a manifesto, explain it plain English, and make it accessible to all. 3. Invite the next generation—have low-pressure and honest conversations with the next generation. 4. Always revisit your plan—keep it alive, current, and reflective of your evolving world. Mindset 2—Scarcity thinking sabotages legacy. Fear of spending or deploying capital kills bold moves, breeds conservatism, and shrinks your family's vision for impact. How to overcome a scarcity mindset. Audit your past decisions for fear-based choices. Then reframe with an abundance vision and build purpose-driven allocation buckets that multiply impact. Mindset 3—Secrecy and poor communication. Brian explains that when wealth conversations stay behind closed doors, heirs grow entitled, misinformed, or resentful.  Mindset 4—The next generation cannot learn wealth management through osmosis. Watching you isn't enough. They need education.  Mindset 5—Lacking a unified multi-generational strategy. For Brian, a will or a trust isn't enough. Without a cohesive blueprint, every generation is forced to reinvent the wheel, wasting time, money, and vision. Mindset 6—Weak governance weakens families. Brian highlights that good intentions and informal chats aren't enough. You need clear roles, rules, and decision frameworks to keep wealth and relationships intact. Mindset 7—The over reliance on conventional tools. If your portfolio is all accounts and products, you're missing the chance to create a private banking system that cushions volatility and funds opportunity. Brian highlights the need for flexibility. Have an inventory of tools, understand their limits, then build liquidity through mechanisms like build banking. This ensures your strategy stays stable, resilient, and future-ready. Mindset 8—Poor cash flow management crushes vision. Ambition means nothing if spending is unchecked. When families can't see real-time cash flow, legacies stall—fast. Mindset 9—No legacy mindset. Often, the first generation builds wealth. Generation two spends it. Generation three starts over. That's the cycle—unless you teach them the how and the why of wealth preservation early. Brian shares a way to stop entitlement. When you educate heirs about purpose—not just access to wealth—you shift the mindset from consumption to contribution. Mindset 10—No capital allocation plan. A legacy without funding is just a dream. Real impact requires dollars earmarked for growth, trust, and education initiatives from the start. Brian explains—It's not about protecting wealth. It's about activating it. Legacy is about empowering future generations to dream big, move boldly, and live true to your mission. Intentionality is the multiplier. The more proactive and clear your planning, the higher your family's odds of sustained success—across decades, not just years. When your family is aligned, everything changes. Confusion gives way to confidence. Inherited wealth becomes a platform for innovation, service, and lasting impact.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC.

What does it take to scale a creative business without losing the soul that made it special in the first place? In this episode of Fingerprints on Success, host Bill Barrett sits down with Andrea Cole, founder of a thriving custom art business, to explore the journey from solo creator to successful entrepreneur. Andrea shares how she built a business rooted in emotional connection and craftsmanship—and how learning to let go was the key to exponential growth.From building a trustworthy team to navigating the challenges of delegation and brand consistency, Andrea opens up about the mindset shifts that allowed her to scale her impact while preserving the magic that makes her work meaningful. She also emphasizes the value of mentorship, personal accountability, and customer experience as pillars of long-term success.Whether you're an artist, business owner, or aspiring entrepreneur, this episode offers a powerful look at what it means to grow without compromising your core values.If you've enjoyed this episode of the Fingerprints on Success podcast, be sure to leave a review and subscribe today!Enjoy!Key takeaways:Why hiring team members who can deliver 80% of your quality is a game-changerHow Andrea transitioned from doing it all to leading a trusted teamThe importance of building a brand that reflects reliability and emotional connectionWhy mentorship is essential—whether paid or personalHow to provide a consistent client experience, even during internal challengesWhat scaling up really looks like in a creative businessHow competition can push you out of your comfort zone and fuel growthAnd much more…Guest Bio:Andrea Cole is the founder and lead visionary behind dbandrea, a flower preservation company that transforms sentimental bouquets into lasting works of art. Her journey began in 2016 with a Valentine's Day bouquet from her now-husband, sparking a passion that blossomed into a thriving business. Today, Andrea leads the DBA team in delivering world-class preservation services and an exceptional client experience. She also serves as the Director of Marketing and Communications for the WIPA Dallas-Fort Worth chapter, actively supporting and connecting professionals in the wedding industry.Resources:dbandrea.com Connect with Andrea on LinkedInDisclaimer:The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of the Fingerprints on Success podcast or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

Collision shop owners exploring succession planning are hearing more about ESOPs—and for good reason. These employee stock ownership plans offer a unique way to create liquidity while keeping the business intact and rewarding the team that helped build it.In this episode, Matt Di Francesco sits down with Steven Golden, ESOP expert and managing director at CSG Partners, to break down what makes these plans so powerful. From Section 1042 tax rollovers to retaining a role in the business post-sale, Steven shares how ESOPs can support a smooth exit and a lasting legacy.Matt and Steven also talk about:(02:09) The core benefits of ESOPs and Section 1042(03:30) Why a C-Corporation structure is essential for ESOPs(05:16) How the ESOP trust and trustee work in the sale process(07:51) Where does the ESOP get its money to buy shares (11:25) The financial complexities and costs of setting up an ESOP(14:55) Are smaller collision shops eligible for ESOPs too?(21:19) Why ESOPs are a win-win for owners and employees(22:35) How employee shares grow and get paid out in retirement(24:53) Addressing ESOP misconceptions and early advice for shop ownersConnect With Steven GoldenWebsite: https://www.csgpartners.com/Phone: 516-680-8276Connect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:Steven Golden brings decades of experience in accounting, tax strategy, and employee ownership planning to his role on the investment banking team at CSG Partners. A longtime advisor on CSG-led transactions, Steven now works directly with middle-market companies to implement and optimize ESOP (Employee Stock Ownership Plan) strategies.Before joining CSG in 2022, Steven spent over 25 years at CBIZ MHM, where he served as Managing Director and held various leadership positions. There, he built a national reputation working with high-net-worth individuals, closely held businesses, and public companies specializing in insolvency, estate planning, and ESOP design. He's also served as a trusted expert witness and tax consultant for law firms nationwide.Originally from Buffalo, New York, he has spent much of his professional life in Southern California and now resides in Las Vegas. He is a member of the American Institute of CPAs and remains a respected voice in the ESOP and accounting communities.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

One of the most Dangerous men in Michigan joins us tonight ! Tonight we will be joined by the DBA ! We will talk the long illustrious history of XICW Detroit and his pops and his relationship with The Sheik as well as his run through the business to the current generation in past guest of the show The Process Malcolm Monroe III and his brother Caden too ! We will also talk som Sabu stories as he was frequently at XICWAvailable on all platforms at KO3C.com ! #xicw #michigan #dba #knockoutsand3counts #wrestling

In this episode, Jon Charbonneau of DBA joined us at Permissionless to discuss regulatory arbitrage in crypto, challenges around decentralization, and the evolving role of L2s. We also explore opportunities in prediction markets, memecoins, and modular lending. Finally, we touch on investment trends, talent pools, and institutional adoption across ecosystems like Solana, Base, Monad, and Hyperliquid.Thanks for tuning in! As always, remember this podcast is for informational purposes only, and any views expressed by anyone on the show are solely their opinions, not financial advice. -- Katana is a DeFi-first chain built for deep liquidity and high yield. No empty emissions, just real yield and sequencer fees routed back to DeFi users.  Pre-deposit now: Earn high APRs with Turtle Club https://app.turtle.club/campaigns/katana or spin the wheel with Katana Krates https://app.katana.network/krates -- Ledger, the global leader in digital asset security, proudly sponsors 0xResearch! As Ledger celebrates 10 years of securing 20% of global crypto, it remains the top choice for securing your assets. Buy a LEDGER™ device now and build confidently, knowing your precious tokens are safe. Buy now on https://shop.ledger.com/?r=1da180a5de00. -- Marinade is the premier staking delegation platform on Solana, bringing billions in liquidity and security to the Solana network, and connecting SOL holders to the best staking rates.  Since launching in 2021, Marinade has expanded their suite of products to provide solutions for both DeFi users and TradFi, including liquid and native staking, as well as direct enterprise integrations.  To learn more about Marinade, follow the link below: https://marinade.finance/?utm_source=blockworks&utm_medium=partnerships&utm_campaign=podcast -- Follow Jon: https://x.com/jon_charb Follow Carlos: https://x.com/0xcarlosg Follow Danny: https://x.com/defi_kay_ Follow Boccaccio: https://x.com/salveboccaccio Follow Blockworks Research: https://x.com/blockworksres Subscribe on YouTube: https://bit.ly/3foDS38 Subscribe on Apple: https://apple.co/3SNhUEt Subscribe on Spotify: https://spoti.fi/3NlP1hA Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ Join the 0xResearch Telegram group: https://t.me/+z0H6y2bS-dllODVh -- Timestamps: (0:00) Introduction (1:48) Regulatory Arbitrage In Crypto (7:09) Degrees of Decentralization (12:32) Ads (Katana & Ledger) (13:09) Switching Costs (16:02) Who Owns the User? (19:18) Monad vs MegaETH (22:50) Crypto's Next Breakout App (30:09) Ads (Katana & Ledger) (31:14) Crypto's Talent Pool (35:09) Navigating the Liquid Markets (40:53) Marinade Ad (41:25) Who Benefits From TradFi Entering Crypto? (47:46) Has Base Been Successful? (50:22) Where Are New Apps Deploying? -- Check out Blockworks Research today! Research, data, governance, tokenomics, and models – now, all in one place Blockworks Research: https://www.blockworksresearch.com/ Free Daily Newsletter: https://blockworks.co/newsletter -- Disclaimer: Nothing said on 0xResearch is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Boccaccio, Danny, and our guests may hold positions in the companies, funds, or projects discussed.

One of the most Dangerous men in Michigan joins us tonight ! Tonight we will be joined by the DBA ! We will talk the long illustrious history of XICW Detroit and his pops and his relationship with The Sheik as well as his run through the business to the current generation in past guest of the show The Process Malcolm Monroe III and his brother Caden too ! We will also talk som Sabu stories as he was frequently at XICWAvailable on all platforms at KO3C.com ! #xicw #michigan #dba #knockoutsand3counts #wrestling

Tried It All? How One Veteran Found His Path by Figuring It Out Along the Way What if the biggest barrier to entrepreneurial success isn't having a perfect plan, but being paralyzed by trying to find one? In this episode of Engineer Your Success, Dr. James Bryant talks with Matt Thompson, Navy veteran, management consultant, and franchise owner, about the power of taking action without having all the answers. From missing out on the Naval Academy to opening a men's grooming franchise, Matt shares why "figuring it out along the way" often beats waiting for the perfect opportunity. You'll discover why communication with your spouse is the most overlooked aspect of entrepreneurship, how to pivot when reality doesn't match expectations, and what it really means to "just do it" in business. Whether you're considering a career change or exploring franchise ownership, this episode will help you move from analysis to action. Key Moments in the Episode 00:00 – The Cost of Poor Communication: Matt's biggest regret about starting his franchise and the hidden burden on spouses 02:10 – From Naval Academy Rejection to 20-Year Career: How being a "first alternate" led to an unexpected path of continuous growth 03:32 – The Chemistry Degree He Never Used: Why trying multiple paths until something fits is better than forcing the wrong one 04:43 – Accidental Entrepreneur: From retirement planning to owning a training company—how opportunities reveal themselves 05:42 – Hammer & Nails Franchise Discovery: Why his wife's "no food" rule led to the men's grooming industry 07:25 – Surprising Customer Insights: The unexpected demographics embracing men's self-care and manicures 08:35 – Marketing Reality Check: Why explaining your business concept to every potential customer is harder than expected 12:37 – Three Pieces of Franchise Advice: Just do it, ask for help, and talk to anyone who's done it before 15:25 – The Communication Lesson: What Matt wishes he knew about preparing his wife for the stress and uncertainty 18:50 – Role Reversal Interview: Matt turns the tables and interviews Dr. Bryant about entrepreneurial lessons 23:09 – Defining Success: How winning at work and home changes as life circumstances evolve Key Insights & Takeaways Don't wait for the perfect plan—start moving forward and pivot as needed The biggest entrepreneurial challenge is often communication with your spouse, not business strategy Be willing to "figure it out" rather than having all the answers upfront Most business people are eager to help and share their experiences if you approach them relationally Success definitions must evolve with your life circumstances and family needs

Struggling to make your supply dollars stretch further without sacrificing quality? On this week's Power Supply Vendor Spotlight™, we're joined by Tyler B. Berger, DBA, Co-Founder and CFO of XS Supply, to discuss their unique approach to providing cost-effective surgical supply solutions. Learn how XS Supply is helping healthcare facilities save money on high-quality surgical products while reducing waste in the healthcare supply chain. Through their guaranteed best customer service model and customized solutions, discover how XS Supply can help optimize your supply budget and redirect those savings toward what matters most - patient care! For more information about XS Supply's cost-saving solutions, email support@xs-supply.com, call 844-790-3897, or follow them on LinkedIn. Mention Power Supply for 10% off, or visit their website to register for a $250 credit to spend!* *Offer available to healthcare facilities only.

A report from the Seattle Aerospace Bash, Boeing's strategic divestments, Avelo Airlines' controversial charter flights, Electra's innovative aircraft technology, Lockheed Martin's future fighter jet developments, and Boeing's reacquisition of Spirit AeroSystems. Seattle Aerospace Bash The Seattle Aerospace Bash (Formerly BBQ) was held April 5th, 2025, at the Museum of Flight View Room, in Seattle, Washington. Aerospace enthusiasts and geeks gathered to celebrate the year ahead in aviation and space. In addition to food, activities included an aerospace swap meet, a sticker/freebie table, Isaac Alexander's aerospace trivia contest, and an aerospace raffle with various prizes. Isaac Alexander and participants at the Seattle Aerospace Bash. Brian Coleman spoke with organizer Isaac Alexander about the Seattle Aerospace Bash. Isaac is known as Jet City Star on many social media platforms, and he's the Chief Content Officer at the Hype Aerospace Insights service. Brian also had a conversation with Brian Wiklem about aerospace memorabilia and the aviation documentaries he produces as a hobby. Find avgeektv on YouTube and at avgeektv.com. Freebies at the Seattle Aerospace Bash. Aviation News Boeing to Sell Portions of Digital Aviation Solutions to Thoma Bravo for $10.55 Billion Boeing has entered into a definitive agreement with software investment firm Thoma Bravo to sell portions of its Digital Aviation Solutions business. The all-cash transaction is valued at $10.55 billion. Thoma Bravo would acquire the assets of Jeppesen, ForeFlight, AerData, and OzRunways. Jeppesen provides flight planning tools, and navigation charts. It was acquired by Boeing in 2000. ForeFlight offers an electronic flight bag and was acquired in 2019. AerData specializes in lease management, engine fleet planning, and records management. It was acquired 2014. OzRunways produces an electronic flight bag and maps for drone operators in Australia. That company was acquired 2024. Boeing will retain Digital Aviation Solutions' fleet maintenance, diagnostics, and repair service elements. That organization currently employs approximately 3,900 people worldwide. Subject to regulatory approval, the transaction is expected to close by the end of 2025. Thoma Bravo has over US$179 billion in assets under management as of December 31, 2024. North Bay activists call for boycott of Avelo Airlines as it plans for ICE deportation flights Avelo Airlines previously announced it would operate deportation charter flights for the Department of Homeland Security. This sparked protests against the airline at Charles M. Schulz Sonoma County Airport in California, at Daytona Beach International Airport in Florida, and near Wilmington Airport in Delaware. Avelo Airlines generates profit by leveraging its ultra-low-cost carrier model. Key strategies include low operating costs, ancillary revenue, efficient fleet utilization, use of secondary airports, and lean staffing. Avelo's Cost per Available Seat Mile (CASM), excluding fuel, is only 6.6 cents. CASM = Total Operating Costs / Available Seat Miles (ASM)  ASM is the number of available seats times the distance flown.  Typical CASM for different airline business models: 6-8 cents for ULCC 8-10 cents for LCC 13-17 cents for legacy carriers Electra raises $115m for ultra-short take-off and landing aircraft Electra.aero is developing the eight-engine hybrid-electric EL9 Ultra Short, a 9-passenger, high-wing aircraft. The company claims a 150-foot ground roll, 75 dBA at 300 feet, and 40% lower fuel burn. The target market is regional aircraft. The Ultra Short technology demonstrator is undergoing flight testing. The first eSTOL flight was May 16, 2024. Video: Electra First eSTOL Flight May 2024 https://youtu.be/esTykmreHuQ?si=1dRhyc5CSsWihtL2 John Langford is the founder and CEO of Electra.aero. He is a member of the National Academy of Engineer...