Podcasts about debbie downers

Back on the mic for another Friday episode full of Bravo news, Dylan starts the episode with the bombshell that Leah Remini is joining RHOBH for season 16. With past reality TV experience and a major public persona, what will she bring to the group? Then, he unpacks a pair of upcoming premieres: Jeff Lewis' return to Bravo with Still Flipping Out, and the fifth season of Secret Lives of Mormon Wives. MomTok is still hanging on by a thread, and we're unfortunately back on the Taylor/Dakota rollercoaster. From there, Dylan dives into RHUGT's episode at Kyle's white party, where Vicki continues to be a drag, Luann and Erika squash their beef, and Gizelle and Porsha get to work on figuring out the RHOSLC drama. Later, Dylan wraps up his recap of the RHOA reunion, with some questions for next season, and discusses the Next Gen NYC ski trip. Go to the BravoByBetches YouTube page to watch full length episodes every Tuesday & Friday: Youtube.com/@BravoByBetches Learn more about your ad choices. Visit megaphone.fm/adchoices

Vicki is back this week as we recap all things Ultimate Girls Trip and mourn the heartbreaking loss of Dolly Parton. We also get into the backlash Vicki is facing for being a “Debbie Downer” on the trip and whether the criticism is actually fair. Plus, Christian breaks down his recent travel debacle from hell.Help support Jeana's cancer treatment journey here: https://www.gofundme.com/f/support-jeanas-cancer-treatment-journeyDon't forget merch from the Whoop It Up Shop: www.whoopitupshop.com

On this week's episode, Dylan is joined by Emily Simpson to talk all things RHOC Season 20 and reflect on her eight seasons in Orange County. Emily opens up about why never watched herself on the show, how her husband Shane keeps her grounded when social media gets harsh, and why her friendship with Gina feels more like a sisterhood than a reality TV friendship. She also shares her reaction to Vicki's return, including the surprising timing of her orange before the contract was finalized, and explains why Vicki has earned the “Debbie Downer” label. Plus, Emily gets into why she and Gina are always perfectly happy being in the middle and how she finally feels secure in her place on RHOC. Go to the BravoByBetches YouTube page to watch full length episodes every Tuesday & Friday: Youtube.com/@BravoByBetches Learn more about your ad choices. Visit megaphone.fm/adchoices

We catchup on the latest updates in the VPR and adjacent world and then get into the latest episode of RHUGT for Kyle's white party that delivers! Luann ziplines into the ground and dances with the bushes, Debbie Downer is back to bring the mood down, the gossip is on fire, feuds are brewing, words are exchanged and the pot is boiling! Very fun episode!Join us on Patreon to hear about our workout wkend with BodybyBrad of Southern Hospitality, followed by our trip to Something About Her and Brunch at SUR to get some tea. www.patreon.com/vanderpumprulespartyDownload the DraftKings Casino app and signup with code VPR for your Lightning Link spins! Ready to reach your goals? Visit www.forhers.com/vanderpump to get personalized, affordable care that gets you. Visit www.hiyahealth.com/VPR for our special deal for you to get 50% off your first order on any of Hiya Health's products. Get your kids the full-body support they deserve!This podcast uses the following third-party services for analysis: Magellan AI - https://docsend.com/view/5vdvbdx7cr4tikmyClaritas - https://claritas.com/privacy-legalPodscribe - https://podscribe.com/privacy

LET'S TALK ABOUT THEM REAL HOUSEWIVES ULTIMATE HEIFERS! Raven James of "Bitch is Better" asked me to fill in for our cuzzin Kaya Wilson (of "Bravo! We're Black") to discuss the latest episode of Real Housewives Ultimate Girls Trip: Roaring 20th! Vicki is a Debbie Downer, Porsha is hilarious, Luann is as Luann as ever, Gizelle is messy (complimentary), Teresa takes 3-5 business days to process information, Kyle Richards is divorcing, and Lisa Barlow is happy to have friends! DOWNLOAD AND LISTEN TODAY! ⁠⁠Listen to the “Bitch is Better” podcast on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Raven/”Bitch Is Better” on Instagram!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to Raven's YouTube & Watch This Episode There!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   SPONSORED BY: JIYU Skincare The Korean skincare brand everyone is talking about. Our listeners get 20% off their entire order by using code KENDRICK at jiyuskin.com/Kendrick *** HEY! Some of you have asked how you can show your appreciation for all the content provided by your mama's favorite Black geek. How about you buy me a beer/coffee?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CLICK HERE TO SUPPORT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! ***   New episodes of “I Ken Not with Kendrick Tucker” are released weekly!   DON'T FORGET TO SUBSCRIBE, RATE, AND REVIEW! I LOVE 5 STARS! EMAIL ME AT ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠IKENNOTPODCAST@GMAIL.COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FOLLOW ME ON INSTAGRAM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FOLLOW ME ON THREADS!⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris’s Summary Jim and I are joined again by Dr. Philip Snyder as we continue looking at narrowing the gap between healthspan and lifespan and extending your go-go years. We discuss a listener-submitted article on health-adjusted life expectancy, which argues for concentrating retirement spending in the first decade of retirement rather than following a static, Monte Carlo-based safe withdrawal rate. Dr. Snyder updates his coronary artery calcium scoring correction, introduces the CCTA angiogram for non-calcified plaque, and outlines the four components of exercise, cardio, strength, balance, and flexibility, for maintaining function as we age. Jim’s “Pithy” Summary Chris and I welcome back Dr. Philip Snyder to pick up right where we left off, because folks, this whole thing, all of it, is about extending your go-go years, and I’ll admit this episode gave me some homework of my own. Dr. Snyder corrects something he got wrong last time on coronary artery calcium scoring, breaks down a newer angiogram option for catching the sneaky non-calcified plaque a clean CAC score can miss, and even mentions a blood test called PLAC2 for folks who can’t do the angiogram. A listener sent in a short article about spending more in your first decade of retirement instead of hoarding it for some rainy day that never comes, and it is basically what I have been calling the Fun Number for years. You spend your whole life saving, and then you’re too scared to spend it. My dad used to warn me about the Debbie Downers in his retirement community, folks with plenty of money left but no health left to enjoy it. Nobody wants to be that person, and nobody wants to be the wealthiest person in the graveyard either. Dr. Snyder walks through the four pieces of exercise you need as you get older, cardio, strength, balance, and flexibility, and Chris and I both admit we need a grease gun just to get moving some mornings. We get into tai chi, stretching, why I still cannot make myself do it consistently, and why one-third of people who break a hip never fully bounce back. Show Notes: “The First Decade Retirement Plan” article The post Extending Your Go-Go Years: EDU #2633 appeared first on The Retirement and IRA Show.

Emily Simpson stopped by the Page Six studio to catch up with our "Virtual Reali-Tea" co-hosts Danny Murphy and Evan Real about all things "Real Housewives of Orange County" season 20. Of course, we had to ask Emily about the Dior drama with newbie Carmella Garcia and Vicki Gunvalson's reaction to being called a "Debbie Downer." The "Legally Brunette" host also shared updates about her marriage with Shane, her weight loss journey, which has all the guys hitting on her, and bestie Gina Kirschenheiter's wedding planning, or lack thereof.  "Real Housewives of Orange County" airs Thursdays at 8 p.m. ET on Bravo and streams the next day on Peacock. Follow us on Instagram! Sign up for our newsletter! Check us out on YouTube! Head to our show page for more tea! Learn more about your ad choices. Visit megaphone.fm/adchoices

The ladies leave Laguna Beach (after Vicky does NOT cheer up an emotional Kyle) and head to Beverly Hills for a PJ party and 25k Treasure Hunt! Tensions rise between Luann and Vicky, Teresa and Vicky, Gizelle and Vicky.....!!Upgrade your everyday. Download the Quince app for app-exclusive offers, or go to www.Quince.com/vprGet free shipping on your order and 365-day returns. Now available in Canada and the UK, too. That's Quince.com/vprFor the MCBEE TALLOW GIVEAWAY, bonus content, behind the scenes and events, extra shows and trivia hangouts, join us on Patreon at www.patreon.com/vanderpumprulespartyThis podcast uses the following third-party services for analysis: Magellan AI - https://docsend.com/view/5vdvbdx7cr4tikmyClaritas - https://claritas.com/privacy-legalPodscribe - https://podscribe.com/privacy

This week, Vicky just can't get over the Debbie Downer comment. We see little snippets of everyone, but it all seems to be leading to Carmella and that dang Dior bag. This all comes to a head at the winery.If you enjoyed this episode please share it with your Real Housewives of Orange County friends and follow us on Instagram at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@taglinetwinks⁠⁠

Hey Ya'll! Join Michael, John, and Toni as they break down the latest episode of Real Housewives of Orange County. How long will we be discussing the Dior bag? Is Emily just permanently miserable? Is Vicki a Debbie Downer? Tune in to find out!

Hey Ya'll! Join Michael, John, and Toni as they break down the latest episode of Real Housewives of Orange County. How long will we be discussing the Dior bag? Is Emily just permanently miserable? Is Vicki a Debbie Downer? Tune in to find out!

When the RHOC women told us this would be a lighter season, we aren't sure we were expecting this... What are we even fighting about?! This has officially become a game of telephone and we want to hang up! We did have a good time talking about Debbie Downer aka Vicki Gunvalson. She is NEVER going to let this go. Do we need a revamp? How are you feeling about Carmella? Is she holding her own with these women? Come judge with us!You can find us:Linktree: Two Judgey GirlsPodcast: ACast, iTunes, Spotify, wherever you listen!Instagram & Threads: @twojudgeygirlsTikTok: @twojudgeygirls // @marytwojudgeygirls // @courtneytjgYouTube: @twojudgeygirlsFacebook: www.facebook.com/twojudgeygirlsMerch: www.etsy.com/shop/twojudgeygirlsPatreon: www.patreon.com/twojudgeygirls LTK: @marytwojudgeygirls // @courtneytjg Hosted on Acast. See acast.com/privacy for more information.

Chris’s Summary Jim and I are joined by Jacob Vonloh as we continue our discussion on investment positioning, wrapping up asset placement for emergency, aging, and long-term care reserves and the fun spending that flows from your Fun Number, across the Go-Go and Slow-Go/No-Go phases. Jacob also outlines the guaranteed inheritance set-aside and closes with the growth and legacy position, the leftover dollars not assigned elsewhere. Jim’s “Pithy” Summary Chris and I are joined by Jacob Vonloh as we pick back up right where we left off last week on investment positioning, finishing up the fun spending and SEAL Reserve pieces we didn’t get to. I keep coming back to this: retirement is the mirror opposite of the accumulation years, and when your whole portfolio looks like one big pot, a down market makes it feel like everything’s going down — and that fear is what stops people from spending on fun. That’s exactly why we don’t look at it that way. Jacob walks through how we tier the SEAL Reserve by age, and how fun spending gets laddered and benchmarked differently depending on how soon you’ll need it — all made possible by looking at each position on its own instead of one blended portfolio, which is the whole idea behind what I coined the See Through Portfolio. It’s also why you can’t compare your protected short-term Go-Go dollars to your long-term positions and think something’s wrong — that’s an apples-to-oranges comparison from the start. There’s a real cost to saving your whole life just to sit there and watch the money grow instead of enjoying it — don’t become what my dad used to call a Debbie Downer. Before we wrap, we also touch on two more positions that won’t apply to everybody. If you’ve got a specific bequest you want locked in today, there’s a guaranteed inheritance set-aside for that. And if you end up with dollars left over once everything else is funded, we get into what to do with what we call the growth and legacy position. The post Investment Positioning Part 2: EDU #2632 appeared first on The Retirement and IRA Show.

What's up bros?? We're back in the OC trying to sort out just what a developer is and for some reason we really care about this. The Idea that a wedge might be developing between Gina & Emily sounds kinda fun in a terrible way; but let's be honest, that won't work out with this group. We might actually be getting somewhere and we're still in optimistic phase 5 episodes in so we'll definitely take it! Learn more about your ad choices. Visit megaphone.fm/adchoices

Season 20 might be taking her sweet time, but Episode 5 — Designers and Dildos — finally gives us a little rumble under the surface. This week, I'm breaking down med‑spa confrontations, generational shade, and the rise of Carmella, who is quickly becoming the most chaotic gift‑giver in Orange County history.Jenn and Vicki kick things off with injections and indignation, Emily and Carmella bond over work ethic and restraining‑order lore (yes, really), and Heather finds herself crying into her cocktail over Emily's “statement of fact.” Meanwhile, Gina is spiraling over Dior bags and vibrators, Vicki is screaming she's not a Debbie Downer, and the Woo‑Hoo Girl is trying to make her comeback tour happen.It's slow… but the cracks are forming. And with Vegas on the horizon, something big is brewing. Support the show

Send us Fan MailRHOC Stay In Your Lane Vicki!RHOC S20 E5 Designers and DildosThis week on The Real Housewives of Orange County, the drama is all about Carmella, money, and whether anyone can simply let the woman live. Vicki is immediately suspicious of Carmella and her relationship with Jenn, especially after learning that Carmella has invited Jenn to work on her next project and plans to pay her around $20,000. Vicki questions why Carmella is sharing details about her finances and insists that something doesn't pass the “sniff test.” Meanwhile, Emily gets to know Carmella better and learns about her criminal history, while Carmella explains that she wants to help Jenn professionally and sees it as an opportunity for women to support one another.Things get even messier at the winery when Carmella arrives with her own vodka and Vicki immediately starts beating the “Debbie Downer” drum again. Tamra tries to encourage Vicki to give Carmella a chance, but the tension quickly shifts to Heather and Emily's fractured friendship. Heather is deeply hurt after Emily told her to stop talking, while Emily stands by her comments and refuses to change who she is just to accommodate Heather. Gina tries to mediate but ends up getting caught in the middle herself. Just when the arguing reaches peak Housewives territory, Carmella offers to flash a boob to break the tension—which somehow fails to work with this particular group.And then there's the gift. Carmella's extravagant present for Emily—including a Dior bag and a very unexpected adult accessory—becomes a major source of controversy. Gina thinks Carmella is flaunting her money and trying too hard to buy Emily's friendship, while Carmella insists she was simply being herself and never intended for the gift to become such a spectacle. The conversation eventually circles back to Carmella's business dealings with Jenn, with Vicki continuing to question her motives and Gina admitting that she sees Carmella as competition. Despite all the suspicion, jealousy, awkward gifts, and endless accusations, this episode delivers exactly the kind of lighter, ridiculous Housewives drama that is fun to watch—and the conclusion is clear: keep Carmella, but someone please get Vicki to stop saying “Debbie Downer.”Support the showhttps://www.wewinewhenever.com/ 

This week on RHOC, Gina starts to realize Emily is throwing her under the bus, Heather declares she's a sensitive woman, Vicki declares she's not a Debbie Downer at least 50 times and more!Follow me on social media, find links to merch, Patreon and more here! Hosted on Acast. See acast.com/privacy for more information.

Here’s what you missed this week on Two Ts in a Pod! See omnystudio.com/listener for privacy information.

Part 1 of The Valley Reunion starts off juicy! Lacey and Jesse Vs. Michelle and Brittany filling us in on Jax RHOC Vicki is determined to prove she's not a Debbie downer and the ladies call out Carmela's odd gift to Emily. Jax gets caught in fake smart water ad, we discover he is dating him and Brittany's publicist, and summer house on below deck!Make sure to follow me for all the bravo tea:Instagram: https://www.instagram.com/bravoteawithastayathomemom?igsh=MXgyNjI4NnN6dWpldg%3D%3D&utm_source=qrSpotify: https://open.spotify.com/show/1PsRVdSFI9WAq2qunoO2e5?si=VLSwm1glRR-U7q8SMW_URQApple: https://podcasts.apple.com/us/podcast/bravo-tea-with-a-stay-at-home-mom/id1715599754YouTube: https://youtube.com/@Bravoteawithastayathomemom?si=UmfXUu-xgTLoAIEiTik Tok: https://www.tiktok.com/@bravoteastayathomemom?_t=8jjG1JbhMSs&_r=1

Dolores joins the pod still wearing her MINT GREEN dress that broke the internet… Then, Teddi begs Tamra to stop throwing curveballs. Plus, if you thought Carmella had a lot of vibrators, Dolores puts her to shame by showing off her collection.See omnystudio.com/listener for privacy information.

We get into the last 2 episodes of RHOC where we watch new girl Carmela slay and prove herself to the ladies (except Ms. Debbie Downer), Then we talk a bit about Lala's crocodile tears and her agenda and touch on Scheana's latest juicy podcast about her experience with the Jax & LoriK rumors, why she's mentioned so much on House of Stassi, and who has a track record of homewrecking.Strike now to claim your offer—Download the DraftKings Casino app and sign up with code VPRReady to clean out your closet and make some extra money? Download the Vinted app for free and start listing!Ready to reach your goals? Visit www.forhers.com/vanderpump to get personalized, affordable care that gets you. For bonus content, extra intel, extra shows, hangouts and trivia, please join us at www.patreon.com/vanderpumprulesparty-- This podcast uses the following third-party services for analysis: Magellan AI - https://docsend.com/view/5vdvbdx7cr4tikmyClaritas - https://claritas.com/privacy-legalPodscribe - https://podscribe.com/privacy

In hour three of Stokely and Evans without Mark Schlereth, Stoke plays the role of Debbie Downer after Nik Bonitto came in at #32 on the NFL's Top 100 players list. They speculate why Courtland Sutton has been getting rest days lately. They listen to Sean Payton reflect on what made Mike Shanahan's offense so revolutionary. They wonder if the refs will ease up on Riley Moss this year and they wonder when he'll get his contract extension. Mike and Stoke wrap up the third hour looking back at Stoke's playing days and breaking down the problems with the Pro Football Hall of Fame voting process.  

Spider-Man is back! Again! Web-slinging his way to box-office history, as the editor of this episode is writing this description.Two Spidey "paglus" (crazies) -- Amartya & Adithiyan -- try to convince QID's designated Debbie Downer of this year -- Cris -- about the merits of the latest Spider-Man film beyond its effective emotionality -- courtesy of director Destin Daniel Cretton -- & Tom Holland's performance as both Spider-Man & Peter Parker.Does the MCU go too far in its universe-building for what could have just been a great standalone Spider-Man film? Should [REDACTED] have been in the film? Should [REDACTED] have forgiven [REDACTED] in the film?Spoiler-free description and introductory section (see time codes). But listen to the full episode after watching the film (you probably have already watched it!) to hear a spoiler-filled discussion about the past, present, and future of the MCU, Spider-Man & [REDACTED]. Do hit 'Follow' on Spotify if you haven't already to help the podcast reach more people!Follow our Instagram page: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/queenisdead.filmpodcast.⁠⁠⁠⁠⁠⁠⁠⁠⁠TIME CODESIntroduction : [00:00 - 03:47]Director Destin Daniel Cretton & the MCU: [03:47 - 06:27]Spoiler-Free Review: [06:27 - 21:37]Spoiler-Filled Review: [21:37 - 01:21:22]Spoiler-Filled "Future of MCU" Discussion - [01:21:22 - 01:39:20]You can also follow the Spidey lovers and the Debbie Downer on Letterboxd at -ADITHIYAN: https://letterboxd.com/curioseradi/.AMARTYA: https://letterboxd.com/amartya/.CRIS: https://letterboxd.com/crislim/.

This week we're still talking about the Carmella Dior bag and Tamra and Heather's friendship. Shannon and Tamra make big strides in their relationship, and Tamra has a party with an intriguing game of Friend in a Box.If you enjoyed this episode please share it with your Real Housewives of Orange County friends and follow us on Instagram at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@taglinetwinks⁠⁠

Happy Friday! Are you ready for the weekend? Mary fills us in on House of Stassi and now we think we need to binge the whole thing ASAP. We deep dive RHOC and have to ask, what are wedoing? Can we please stop playing these games? Is Vicki a Debbie Downer? Has Tamra really changed? Are the Tres Amigas finally moving in the right direction? Did Carmella give Emily a fake Dior bag or was it just a re-gift and why is it a storyline? Come judge with us!You can find us:Linktree: Two Judgey GirlsPodcast: ACast, iTunes, Spotify, wherever you listen!Instagram & Threads: @twojudgeygirlsTikTok: @twojudgeygirls // @marytwojudgeygirls // @courtneytjgYouTube: @twojudgeygirlsFacebook: www.facebook.com/twojudgeygirlsMerch: www.etsy.com/shop/twojudgeygirlsPatreon: www.patreon.com/twojudgeygirls LTK: @marytwojudgeygirls // @courtneytjg Hosted on Acast. See acast.com/privacy for more information.

Welcome to The Dancing Housewife Podcast — where we explore the art, heart, sport, and science of ballroom dance. Whether you're a competitive dancer, social dancer, dance parent, pro-am student, or simply someone who loves the ballroom world, this podcast is designed to inspire, educate, and entertain.Each episode features conversations, stories, insights, and practical tips about ballroom dance, competition life, mindset, etiquette, confidence, growth, and finding joy both on and off the dance floor.From the beauty and artistry of movement… to the athleticism and discipline required to succeed… to the mindset and lifestyle behind the scenes… The Dancing Housewife Podcast celebrates every part of the ballroom journey.✨ Visit the blog for more ballroom dance inspiration, resources, and encouragement at thedancinghousewife.com

On this week's episode of the Blue Jays way podcast, Curtis Martin and Tristan Morgan preview the Jays trade deadline, talk about Vlady's difficult season and the disappointment of the 2026 season.

After 18 years of working with high performers across industries, I can spot the X factor in someone before they even see it in themselves. In this episode, I share the story of a so-called Debbie Downer at a Phoenix corporate event who accidentally gave me the exact language for something I had never been able to name. The lesson she taught the room cuts both ways: sometimes you do everything right and it still falls apart, and sometimes you botch it completely and still win. What determines your ceiling is whether you stop copying everyone else long enough to discover and own what is uniquely yours. Key Takeaways Every person carries an X factor, a unique quality that cannot always be named but can always be felt by those experienced enough to recognize it. Failure does not always mean you did something wrong. Sometimes conditions simply do not align, and accepting that frees you from false shame. The reciprocal is also true: you do not always have to be perfect for the X factor to deliver a win when it matters. Living below your potential is often the direct result of trying to replicate someone else instead of doubling down on what is distinctly yours. A copy is never as clear or as solid as the original. Chasing someone else's identity guarantees a lesser version of a life that was never yours to begin with. Action Steps Set aside 15 minutes today and write down three qualities about yourself that feel uniquely yours, even if they do not look impressive on paper or on social media. Identify one recent situation where you blamed yourself for a bad outcome, then honestly assess whether you actually did everything right and the circumstances simply did not cooperate. Stop modeling one behavior, habit, or communication style you borrowed from someone else and replace it with an authentic version that reflects how you naturally operate. Notable Quote The copy is never as solid or as clear as the original. Quit trying to be what everybody else is being and figure out what is uniquely you.

https://youtu.be/_i6C7OstTEI Courtney Berry, President and Co-founder of Bandits & Friends, is driven by a desire to build an advertising agency where trust, creativity, meaningful relationships, and building energy instead of burnout replace bureaucracy and transactional client engagements. Inspired to create more opportunities for women in executive leadership and eliminate unnecessary bureaucracy, Courtney founded Bandits & Friends to prove there is a better way to build both an agency and lasting client partnerships.  In this conversation, Courtney introduces the Bandits & Friends Growth Flywheel: Choose the Right Opportunity, Create Clarity, Empower Ownership, Protect Your Point of View, and Build Energy Instead of Burnout. She explains why selecting the right clients is the foundation of sustainable growth, how clarity and ownership eliminate friction, and why agencies create the most value when they offer strategic judgment instead of simply executing requests. Courtney also explains how trust creates a self-reinforcing growth flywheel and how Bandits & Friends leverages culture, AI, and fractional talent to scale without sacrificing creativity or client relationships. — Build Energy Instead of Burnout with Courtney Berry  Good day, everyone. Steve Preda here with the Management Blueprint Podcast, and today my guest is Courtney Berry, the President and Co-founder of Bandits & Friends, a full-service creative advertising agency that specializes in stealing attention for brands. Courtney, welcome to the show.  Thank you, Steve. Thanks for having me. It’s good to see you.  Well, you have to tell us first about the choice of the brand—Bandits & Friends. I mean, bandit is not typically something that people would want to start building trust with. But obviously your brand is an award-winning one, so you must be doing something right.  That’s right. Well, we’re in the world of advertising. It’s all about branding, so we had to make sure that we had a good name to back it up. Our name, Bandits & Friends, is as much an operating ethos as it is a name. Bandits—we steal attention on behalf of brands. And Friends, that part of the equation, is how we refer to our clients.Share on X We actually try to never even use the word client in our agency because it creates a certain kind of them-versus-us mentality. And so that’s how we got to the name. We liked that it really infused the way that we operated as much as who we were at the end of the day.  Yeah, I like it. And how do clients react to being called friends? Do they take it at face value, or do you choose clients that you feel could fit—could become friends? How do you do that?  That is a great question. One, when we started, we fully thought the Bandits part of the equation was going to be the thing that potential clients really liked. We thought they would understand that that’s exactly what they’re going to an agency for. But what we have found is that it’s the Friends part of the equation that they have all sparked to so much more. Because sometimes it is a very transactional relationship between clients and agencies.  Sometimes there’s a strong difference of opinion when it comes to certain things, and that can create tension between clients and agencies. So when we talk about friendship, what we really mean is that the basis of all of it is trust. We have to trust each other in terms of the brief being right. We have to trust each other to have really honest conversations with one another to get to the real solution that we’re all trying to reach. Friends don’t waste each other’s money at the end of the day. We don’t want to waste our clients’ money, and we don’t want them to waste ours.  Also, friends are really looking for the best for each other. When we want the best for our clients, and they also want the best for us—because friendship really does go two ways—that's a really important component.Share on X And to your other point, not every client is a friend. Not every client really wants to play in that world of having a back-and-forth relationship, with give and take. If that’s not something they’re interested in, then at the end of the day, they’re probably not the right fit for us and our agency culture. It really resonates with me. I used to be kind of an agency owner. It was an investment banking firm. Whenever we had a friendly relationship with a client who really trusted our judgment, who would let us lead, and who would not be receptive to divide-and-rule tactics from acquirers, then we could get so much more out of the transaction.  Absolutely.  We could negotiate harder because we knew they had our back, and we could really push the envelope to get the best results for them. If we didn’t have that, then it was much harder.  It’s so true. When you don’t have that kind of trusting foundation, there’s an element of fear. There’s an element of fear that they’re not going to do good work for me, or they’re going to overcharge me, or they’re going to do a bait and switch. So yeah, you’re exactly right. It’s the same kind of philosophy and mentality in order to get to better work for them and better outcomes.  Yeah. Yeah, love it. Love it. So let me ask you, what is your personal “why,” and how are you manifesting it in Bandits & Friends?  Yes. I had to think about this question a lot, Steve. Unfortunately, I don’t really have a positive answer for this one. I listened to all of your other podcasts, and I thought, “Oh man, mine’s a little bit of a Debbie Downer.” But I guess it is what it is. I started Bandits & Friends because I was really frustrated by two things. First, when I looked around the industry, there just weren’t many examples of women in real power.  In my last role before starting this agency, there wasn’t a single woman in the C-suite of the holding company that I was working for. Not one. There weren’t women making the biggest decisions. There weren’t many examples of the career path that I was looking for. At some point, I realized I could either wait for someone else to carve out that path or I could be the one to help create it for myself and help create a lot of the opportunities that I wish I had seen. So that’s the first one.  The second one—and I think it really manifests itself in an independent agency culture—is that I was really fed up with the bureaucracy of everything. There was too much energy in our industry being spent on politics, approvals, or process instead of the things that make our work happen: the people, the clients, and the work itself. So I really wanted to build a company that could move faster, trust people more, and focus on the things that actually matter.  What we’re being paid for is to focus our time and energy on our clients’ businesses and on creativity. Removing all the bureaucracy really allows us to focus on that. So I guess, to sum up those two things—and really 343: Build Energy Instead of Burnout with Courtney BerryShare on X  Yeah. I mean, Steve Jobs said there are two functions in business: marketing and innovation. In some ways, those two things are the same because if you don’t keep innovating in marketing, you’re not going to steal anyone’s attention. And you have to remove the bureaucracy to create a culture where people can be creative. That’s right. I love it. That is very interesting.  So tell me about this framework. This is a podcast about frameworks. Maybe it’s a little bit misworded in the description that it’s a shortcut. It doesn’t have to be a shortcut. It’s more of a mental model. It’s a way of looking at and simplifying the world that allows you to do good work or create that Bandits impact. So what’s a framework that you could share with the listeners?  Yeah. To your point, I think it’s more of a mentality and approach versus steps that we take because we don’t work in a very linear business. Often, things are running on parallel paths. The way that I try to approach things—and really what ultimately becomes the culture that we're trying to create at this agency—is removing friction to create momentum.Share on X Because if we’re ever static, we’re wasting our money or we’re wasting our clients’ money. Or, to your earlier point, it means that someone else is going to be able to steal attention before we can on behalf of the brands that we work for.  So, removing friction to create momentum. There are kind of five different components that I’ve thought about for this. The first one, which seems so basic, is that I think a lot of times we get so excited by an opportunity that we forget to stop and ask, “Are we choosing the right opportunity for us and what we can do for the brand?” Because not every opportunity that comes across our desk deserves that momentum. When we first get an RFP or an RFI, or some kind of pitch that’s going to happen, we really ask ourselves two things.  One: Can we make money? Sometimes, in this business, you can’t. The answer is no. The other question that we ask ourselves is, “Can we make great creative?” If neither one of those things is true, we move on, and that helps prevent wasting energy and wasting time. If we can’t answer those questions, then we ask more questions of the prospective client. A lot of times, those clients can’t answer either one of those questions, and in those cases, we also move on. So the first step is really about choosing the right opportunities that we think deserve momentum and deserve the stealing of attention.Share on X  The second point is clarity. I think that, in order to be a great leader, you have to be decisive. You have to be someone who is willing to make decisions when no one else can, or no one else is really tasked with making those decisions. So we’re all about creating clarity because momentum really dies in a world of ambiguity. We’re asking ourselves, “What are we solving for? Who owns this? What does success look like? What is the budget?” Don’t ever leave a meeting without knowing the next steps. I think this is also a step that a lot of people skip, or maybe shortchange, and then you’re going to pay for it later.  Third one is all around ownership. When you’re kind of just starting out, you’re just getting going. At the lowest level, people operate with the mindset of, “I do what is assigned to me.” Right? And then managers get to that managerial level, and they’re all about managing on outcomes. “I’m going to make sure this thing that is my responsibility is going to succeed.” Ultimately, what we’re trying to build are the highest-operating types of people who say, “If I see a gap, I close it.” It might be a gap where no one has assigned the task yet, or no one has even identified that it is a gap.  No one owns the problem, but they see it, they own it, and they move it forward. So we're really trying to create that culture where we don't wait for permission to solve problems, and we don't wait for those problems to even be identified.Share on X And that’s where we can really add value to our clients. We don’t wait for that ownership. We just kind of assume that it’s ours, and we run with it.  Love it.  The fourth piece is protecting our point of view. This is probably one of the most difficult. But as a creative agency, we really don’t exist to execute instructions. We exist to bring judgment to a brief. We talk a lot about partnership, and especially at Bandits & Friends, obviously friendship. But what that really means is that we’re not adding value if we’re simply taking instructions and just executing what’s already known. The best agencies come in to provide perspective and judgment because every single time there’s an opinion in the room, if we surrender our point of view, we’re no longer providing that value.  If you think about it, the Apple “1984” commercial, right? That almost didn’t air because Apple’s board hated it. They wanted to pull it. They didn’t want it to go anywhere. So if they had listened to every stakeholder concern, then arguably one of the best ads that a gazillion people are aware of would’ve never existed. It would’ve never aired. So that is a daily struggle and a daily debate for us. But I can’t even believe I’m going to say this on the record, but in our business, the customer is not always right.  We have to make sure that we can defend why we believe that or why we think that there might be a better path forward for them to consider. And last but not least, honestly, it's about having fun. I think a big part for us is that we have to build energy among both our employees and the clients that we're serving instead of burnout.Share on X Again, it’s not always easy, and it’s not just necessarily a cultural thing. It is very behavioral in terms of the way that we do things, the way that we operate under stress, and the way that we take feedback. But the work itself is hard enough already. I’ve never seen people do their best work in a miserable state or a miserable environment.  Again, that goes for both employees and clients. When we do talk about our clients, we often talk about one of our goals being to try to be the best part of their day, and to be the ones who are actually going to have the best meeting they've had that entire week.Share on X And if we only achieve that 50% of the time, at least it’s 50% more fun than they would’ve had otherwise. So, choosing the right opportunities, bringing clarity to what those opportunities are, empowering ownership, protecting our point of view, and having some fun while we’re doing it.  Wow. You really did a good job. I hope you won’t send me a bill for coming up with that. But I resonate with it. Just to your last point, we’re in the experience economy, right? People don’t just want to buy a service. They want to buy an experience. They want to feel good about the process of why they’re doing this ad or why they believe in this creative.  You want to energize them as well because they ultimately have to sell it. If they don’t believe in it and aren’t excited about it, then it’s not going to work as well. I have the same view with my clients. I typically see them once a quarter, and I know that I have to show up. I have to recharge them so that they come out of the meeting feeling like they want to tear apart the next quarter. Yes. That’s right. Otherwise, what separates you from someone else who can tactically and executionally do the exact same thing that anyone else can?  Or AI, even. I mean…  Oh, 100%. Yeah.  I think the emotional part is our competitive advantage compared to AI. Yes. Love it. So, Courtney, tell me, what drives growth in Bandits & Friends? It’s what I’ve been referring to, I guess, kind of throughout our whole conversation, which is, again, maybe on the surface, a little oversimplified. But for us, the biggest driver of growth is trust. Again, it goes back to our philosophy of treating clients like friends, not just because it's a nice thing to say, but because trusted relationships are where the best work happens.Share on X So that becomes the most scalable asset that we have. When you really think about it, creativity—the business that we’re in—is very vulnerable.  So first, you need trust in order to create great work. Then great work creates more trust with the clients you’re working with. That trust can lead to referrals. It can lead to recommendations, which is where a lot of our new business comes from. Those create more opportunities. We’re in a people business at the end of the day. When referrals create opportunities, we’re attracting more talent.  The talent that we have here wants to stay longer, and they want to give more because they’re working on fun and exciting opportunities, briefs, and brands. Then you have talent that creates better work. So it becomes this flywheel at the end of the day. It’s something that we really feel responsible for every time we’re taking on a new friend at the agency. Do we feel like we have the right kind of chemistry to build trust with them in order to create that flywheel? Our clients don’t necessarily hire us because we’re the cheapest.  They don’t necessarily hire us because we have the biggest team. They hire us because they trust our judgment, and they trust the way that we operate. Once that exists, everything starts to open up. Everything starts to move faster. When you can move faster, get to more work, and get that work out into the world, that continues to open up more opportunities and more growth at the end of the day.Share on X  Yeah, I love that. Do you find that you have to lead with your own trust to get trust?  That is such a great question. Yes. I think that we have to prove that we are trusting that they’re coming to us with all of the information that they can give us. I have to trust that they’re being transparent and truthful about the budget they’re giving us. I have to trust, to be honest, that this is a real opportunity they’re coming to us with, that has been approved by all the necessary parties, and that it’s something that’s actually going to move forward and happen.  It’s really hard to do when you’re picking up a call from somebody you’ve never worked with before. You have to assume good intent. At least starting from that place of positivity, I think can help to then create that path towards the ongoing conversations, us proving that we have trust in everything that they’re telling us, so that then they return that same favor to us. Yeah. I mean, sometimes I get the criticism that I’m too trusting of people. Yeah. But it’s a little bit like optimism. If you don’t have optimism, then you have no positive vision to strive for. If you don’t trust people, you have no chance to earn their trust.  Right.  Maybe it’s vulnerability. It’s something to do with vulnerability. Right. But you’re totally right. You definitely have to have those guardrails around trust to make sure that your trust and your optimism aren’t clouding your judgment at the end of the day. That is one of the hardest things, I think, that we have to do with new opportunities because you’re making a lot of assumptions. Sometimes those assumptions are stated, and sometimes they’re not, and you just have to roll with it. Obviously, you win some, you lose some. But hopefully, the more we do it, the more it becomes that positive net effect.  Yeah. So, Courtney, what is something that you’re actively trying to figure out in your business?  Well, I won’t talk about AI because I feel like everyone’s talking about AI, but that is definitely an obvious answer. Operationally, are we using all of the best tools that are out there? Are we staying compliant with our agency agreements and client agreements when we introduce some of those new AI tools? And then, of course, in the world of creativity, everybody’s really questioning how much we should be using AI in final assets versus the human part of things.  From our perspective right now, we’re interested in exploring. We’re interested in understanding how things can continue to help us remove friction from a process in order to get to those fast-moving flywheels that we want everyone at the agency to be operating on. But also, how do we make sure that we’re continuing to bring craft and fidelity to all of the campaigns that we’re working on? So AI is a very obvious one. I think the other thing we’re really trying to figure out at the agency is scaling. The more we’re trying to grow, the more we’re trying to scale.  The processes and behaviors that you have as a young agency can be quite different from those of a more mature agency with several hundred people. What we’re trying to instill is making sure that the behaviors and processes we’re creating and adopting now are scalable for the future. Sometimes that’s easy to figure out, and other times it’s something we really have to evaluate and take into consideration. For example, time sheets. That’s not something we care to do at an independent agency.  One, we think they’re wildly inaccurate. As somebody who used to work at a bunch of holding companies, my Wi-Fi would be turned off if I didn’t enter my time sheets within a certain amount of time. But I think they’re wildly inaccurate. We’re not lawyers. We’re not accountants. We don’t turn our brains off by the hour. We’re constantly thinking about the briefs that we have. I’ve been challenged multiple times on whether that’s a scalable behavior and process for the future.  When you’re several hundred people, you’re going to want to know exactly how much time so-and-so spent on which project. I just don’t think it’s necessary for us. I think there’s a level of organization that we can bring to the way we operate where something like a time sheet is going to be obsolete in our future. But it really all comes down to how we scale and whether we’re making the right choices every single day to support that scale and that growth. Yeah, this is fascinating. Peter Drucker said, “Culture eats strategy for breakfast.” Some people say that the most enduring professional service businesses build a unique culture, and that becomes their competitive advantage. So they’re scaling the culture rather than the frameworks, the processes, or whatever else they have. That’s an interesting idea.  As an agency co-founder, what would your advice be to other professionals—maybe on Madison Avenue or wherever they are—working in professional services in some kind of leadership position and thinking about breaking out to do their own thing? What’s one thing you would advise them that maybe wasn’t obvious to you when you got started?  I think, first, if people are really thinking about it and weighing the pros and the cons, if you’re not willing to take a bet on yourself, then that’s a larger conceptual, philosophical conversation that you need to have with yourself. I think, at the end of the day, that’s one of the ultimate things that pushed me forward to start this agency. I wanted to take a bet on myself.  I felt like I had proven myself in a number of different opportunities and roles, and that I was ready for it. If it failed, then all right—that’s a problem for another day. Honestly, on a very tactical level, I think today’s world and the way that we operate in a remote and very fractional sense has been one of the most helpful things for us as an agency. I didn’t know about the world of fractional bookkeeping, fractional CFOs, fractional benefits and payroll providers, or fractional HR.  That creates so much back-office power for us. And it’s so important in terms of making sure that, again, we have behaviors and processes that can scale, where we don’t necessarily have to have all of those employees from an overhead standpoint. That has truly been eye-opening for me in terms of the world that exists outside of hiring full-time employees and this ecosystem that’s there that so many people can tap into in order to really have that firepower to show up in a very legitimate and credible way. Wow. Okay. That’s great. You’re running a remote business, you have fractional people, and you’re leveraging AI without hurting the creativity, hopefully. That’s a model for the 2020s—or the 2030s, potentially. Fantastic. So if someone is yearning for the kind of creative juice that your team is bringing, and they have a product or service that they want to steal some attention for, where can they learn more about Bandits & Friends, and where can they connect with you? Sure. Anyone can go to our website at banditsandfriends.com, or they can email us at hifriend@banditsandfriends.com. We’d love to have a conversation with anyone who’s ready to steal attention and operate with that mindset and philosophy of trust and friendship in order to get to the best ideas that are really going to help drive business results. All right. Well, if you want to befriend Courtney and her friends at Bandits & Friends, then reach out to her. So, Courtney Berry, President and Co-founder of Bandits & Friends, thanks for coming and sharing your unique ideas with us. And if you enjoyed listening, stay tuned to our YouTube channel, follow us, and give us a review. Thanks for coming, and thanks for listening. Important Links: Courtney's  LinkedIn Courtney's  website Courtney's email: hifriend@banditsandfriends.com

Our Season Finale guest is Rachel Dratch, a comedy LEGEND who was a cast member of Saturday Night Live from 1999-2006, during which she developed and performed such iconic characters as Debbie Downer, “The Love-ahs” with Will Ferrell, and the Boston teen Denise "Zazu" McDenna. (And she still pops up there from time to time to play Senator Amy Klobuchar.) She's appeared in countless TV shows including The King of Queens, Frasier, 30 Rock, and Broad City, and in films including Down with Love, Wine Country, and A Clüsterfünke Christmas which she co-wrote with her co-star and fellow SNL alum Ana Gasteyer.Rachel has starred in several Broadway shows, earning her two Tony nominations, the first for POTUS in 2022, and the second just this year in The Rocky Horror Show which she's starring in now. She is also the author of the memoir Girl Walks into a Bar...: Comedy Calamities, Dating Disasters, and a Midlife Miracle, and she's the host of the supernatural podcast, Woo Woo with Rachel Dratch. On this episode, Rachel discusses the occult aspects of improv, the inspiration behind her most iconic sketch characters, and the importance of staying open to magic.Pam also talks about bewitching comedy guru Del Close, and answers a listener question about forging one's own eclectic spiritual path.Check out the video of this episode over on YouTube (and please like and subscribe to the channel while you're at it!)Our sponsors for this episode are Witchspace, Weiser Books, Blessed Be Magick, BetterHelp, and Mithras Candle.We also have print-on-demand merch like Witch Wave shirts, sweatshirts, totes, stickers, and mugs available now here, and all sorts of other bewitching goodies available in the Witch Wave shop.And if you want more Witch Wave, please consider supporting us on Patreon to get access to detailed show notes, bonus Witch Wave Plus episodes, Pam's monthly online rituals, and more! That's patreon.com/witchwave

We're Number One! We're Number One! in DIVE BARS! (take that Wisconsin!), Ronnie Wood gets told to PAINT IT BLACK and a big Debbie Downer at Dartmouth. See omnystudio.com/listener for privacy information.

Donna & Steve open the show talking about the musical acts performing at the Minnesota State Fair, how Woody from Toy Story apparently has a last name and why soccer fans are being paid $50K to watch the FIFA World Cup in Times Square.In hour 2, the "2026 Billboard #1s" edition the College of Pop Culture Knowledge, Jon Bon Jovi says he's fully healed after four years of health troubles and America's cheapest pizza chain.Finally, Donna finished Widow's Bay on Apple TV, Guillermo from Jimmy Kimmel Live! is going to be on Dancing with the Stars and we find out the Soup of the Day!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

At a commencement speech, none the less! Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

We are having our Friday today, on a Thursday. It’s filled with weird tales of trading kids for monkeys, chugging ranch, and the taste of the first taco. We hear how Rachel Dratch brought back her Debbie Downer character in epic fashion, we have a Gen Z version of Can’t Beat Cassiday, and move Rage Friday to today. We play a Bit/Bard Beatles game and geek out over what a couple of kids found in nature. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

Looks like we should stay dry today with no rain in the forecast. A bit warmer than yesterday, too. It's "Hypothetical Thursday", so we asked each other hypothetical questions. Brian's question for Jean was: "If you were going to bury a time capsule that won't be opened for 250 years, what would you put in it?" And Jean's question for Brian was: "Do you have any recurring dreams or nightmares that you remember from your youth?" Office Cora joined us just after 8am to talk about what she's up to in the 715 this weekend. In the news this morning, the latest on the deadly shooting at a hospital in Delaware earlier this week, Rachel Dratch pulls out the "Debbie Downer" character during a commencement speech, an actress from "The Ring" and "Lilo & Stitch" passes away, In sports, the Brewers beat the Guardians again last night, Team USA is set to take on Australia tomorrow in World Cup action, the Knicks will be the first NBA Championship team to visit President Trump at the White House, the Vegas Golden Knights & the Toronto Maple Leafs announce their new head coaches, and the college baseball World Series match-up is set! Tom Hanks recently learned that Woody from "Toy Story" has a last name, we talked about what's on the TV today/tonight, the new "Spiderman" trailer dropped yesterday and we also got a look at some of the Spidey popcorn buckets. And if you've got a bunch of money, you can go to the Sphere in Vegas to see "Rocky Horror Picture Show" in the near future. Elsewhere in sports, an Olympic athlete collapses at a recent event, Travis Kelce admits to confusing Warren Buffet with Jimmy Buffet, and the MLB Pride caps continue to be an issue for some people. Cool story about a kid who just found a REALLY ancient Viking sword(not sure if he held it above his head and shouted "I HAVE THE POWER"!!!), and check out this great grandmother who just saw video from her wedding that was recently found. And in today's edition of "Bad News with Happy Music", we had teens in California riding E-bikes through a Walmart, a guy who was experimenting with some homemade fireworks and it didn't go so well, and a guy who's going to prison after squirting semen on unsuspecting women for nearly 30 years.See omnystudio.com/listener for privacy information.

It was the season finale of sports this weekend with the Knicks & Hurricane’s both winning their golden championship belts trophies! It’s crunch time for Josh’s oldest as we are a week out from their road test. A whole Debbie Downer segment recounts so many deaths over the weekend. Plus so much more on a Mondee!

Merriam-Webster's Word of the Day for June 11, 2026 is: saturnine • SAT-er-nyne • adjective Saturnine is a literary word that typically describes people who are glum and grumpy, or things that suggest or express gloom. It can also mean “slow to act or change.” // A walk in the sunshine can improve your mood significantly, raising the spirits of even the most saturnine among us. See the entry > Examples: “If he was once more cautious in interviews, coming across as a little saturnine, he's looser now, illuminated by flashes of wry humour.” — Patrick Smith, The Independent (United Kingdom), 1 Feb. 2026 Did you know? Saturnine is far—even astronomically far—from the cheeriest of words. It has a long history of describing the glum and grouchy among us, and comes ultimately from Sāturnus, name of the Roman god of agriculture, who was often depicted as a bent old man with a stern, sluggish, and sullen nature. Saturn, the ringed gas giant that is one of five planets visible to the naked eye, is of course the namesake of Sāturnus, and Saturn does indeed seem to dawdle; it requires over 29 of our Earth years to orbit the sun. The ancient Romans (like some astrologers today) believed those who are born when Saturn is rising in the sky tend toward being a Gloomy Gus or Debbie Downer. We don't know A. A. Milne's take on the influence of Saturn, but his gloomy, cynical gray donkey Eeyore is famously saturnine, a fact Eeyore himself would surely stoically accept as true if it were pointed out to him.

Talking with psychologist, Dr. Tiffany G. Townsend was truly a joy! One of the reasons I think I enjoyed it so much is because (by my own admission and maybe my husband’s observations, lol!) I can be a bit of a Debbie Downer sometimes. Meaning, when confronted with the realities of the world’s problems, it … Continue reading Episode 356 – Tiffany G. Townsend

Funny hosts, Dave and Reese, revisit their Las Vegas Elvis wedding through the lens of the 2026 micro-wedding trend. More than 22 years later, the funny couple behind Manic Joy asks whether skipping the big traditional ceremony was one of the best decisions they ever made. Along the way, they share stories about Reese's dream Betsey Johnson dress, getting married while grieving her father, a wedding night spent watching Debbie Downer, and why they might return to Vegas to renew their vows for their 25th anniversary. A heartfelt and hilarious conversation about love, intentional choices, and what really matters in midlife marriage.

In this episode of the Billy and Lisa Morning Show, Billy and Lisa dive into the world of group chats and the potential pitfalls of online communication. They share personal anecdotes about accidentally adding friends to group chats and the importance of being mindful of who's included. They also discuss the challenges of navigating group chat dynamics, from dealing with "Debbie Downers" to avoiding awkward conversations. With a mix of humor and insight, Billy and Lisa explore the ups and downs of group chats and how to use them effectively.See omnystudio.com/listener for privacy information.

The topic: the “bad apple effect,” or how one negative person can permeate and drag down an entire group. After chatting about missing each other and Tara's rainy, windy weekend in Pensacola for a friend's 60th birthday, they compare the concept to removing a bad strawberry to keep the rest fresh and to group dynamics where a “Debbie Downer” demands attention. Caroline describes how a difficult subcontractor's attitude can create client and brand issues, requiring calm, professional conversations and rules like routing all client concerns through the designers. Tara shares a styling incident where a high-end store sent a $2,500 blazer with a sensor still attached and a loose button, then blamed her, reinforcing the value of accountability and apologizing. They note research suggesting negative peers can reduce student achievement and emphasize choosing better company with age. Topics 00:30 Catching Up Derby To Pensacola 00:52 Pensacola Stories Waffle House 01:48 What Is Bad Apple Effect? 02:45 Bad Apple In Groups 03:05 Workplace Subs And Boundaries 04:48 Opposite Action Staying Calm 05:09 Stylist Horror Story Sensor Tag 07:13 Accountability And Owning Mistakes 08:04 Comic Detour Dave Dating Update 09:06 Theory Explained Social Contagion 09:42 Choosing Your People And Parenting 10:35 Wrap Up And Goodbye

Chris’s Summary Jim and I discuss retirement spending plans through the lens of a New York Times article titled “You Saved and Saved for Retirement. Now You Need a Plan to Cash Out,” reviewing its key arguments about decumulation and where we agree, question, or hold no opinion. We cover why the Minimum Dignity Floor rarely fails in projections, why the 4% rule may be an outdated framework for structuring retirement withdrawals, how individual inflation rates for specific expense categories can produce more accurate projections than a single blended rate, and why underspending on fun during the go-go years may pose a greater risk than outliving assets for many listeners. Jim’s “Pithy” Summary Chris and I dig into a New York Times article — “You Saved and Saved for Retirement. Now You Need a Plan to Cash Out” — and use it as a jumping-off point to talk about what spending in retirement actually looks like in practice versus what the industry has been selling people for decades. Here’s what struck me most: the 4% rule was created in 1994 with rudimentary spreadsheets, and the recommended safe withdrawal rate swings from 2.8 to 4.7 depending on who you ask and what year it is. That’s supposed to be your anchor? Are you watching TVs that look like the ones from 30 years ago? Talking on the same phones? My beeper evolved into a smartphone with more computing power than the Apollo mission, and yet most of the industry is still essentially creating retirement spending plans with a beeper. What the Fun Number framework helps clarify is that you don’t need a universal withdrawal percentage. You need to isolate your actual expenses, inflate each one at the rate that reflects how that spending actually grows — not some blended average — and then see clearly what’s left for fun. The article also makes the point that fearful retirees may scrimp during their go-go years when they could afford to spend — and that’s something my dad reinforced in his own way. He’d watch people in his retirement community who had money but couldn’t bring themselves to spend it on fun, and he called them Debbie Downers. For many people listening to this podcast, that’s the real risk — not outliving your assets but failing to spend on fun while you still can. The post Retirement Spending Plans: EDU #2616 appeared first on The Retirement and IRA Show.

April 20, 2026 ~ Chris Renwick and Lloyd Jackson spoke with Congresswoman Debbie Dingell. She discussed the Michigan Democrat convention, high prices, and stalled DHS funding. Dingell shared her frustrations. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you’re still feeling overwhelmed, it’s often just a good idea to take a moment and consider: What exactly is it that I’m struggling with at the moment? What are the specific things that make me feel overwhelmed? Then, what’s the one thing I really need to be doing right now and what’s the next step I can take toward making that happen? David: Hi, and welcome to the podcast. In today’s episode, co-host Jay McFarland and I will be continuing our discussion on how to avoid feeling overwhelmed. Welcome back, Jay. Jay: Hey, David. It’s good to be back and I’m really glad we’re following up on this topic because after we recorded the last podcast, we kind of sat around and continued the discussion and thought, we need to share this with everybody as well. Before we were talking about self-awareness. But it really occurs to me that who you surround yourself with, especially on those days when you’re feeling overwhelmed, that’s going to be really important. David: Absolutely. And as you said, we started talking about it after the last podcast and the conversation got so good, I’m like, “we need to hit record and just keep going on this topic.” Because you raised a great point, particularly related to who we’re surrounding ourselves with. And very often when we are in that negative state that we had talked about in the previous episode, where we bring the wrong “us” to work, or the wrong us shows up to work, you know, the unmotivated, unfocused version of ourselves show up. When we do that, we limit the kind of people that we’re even going to be able to interact with. Because most other motivated, focused people don’t really want to be around that version of us. And so the more we bring that version of ourselves to work, the less likely we are going to be to get in front of other people who are going to help pull us out of whatever it is that we are stuck into. Jay: Yeah, and I think the exception to that, and I’ve experienced this, is if you have people who know you well enough and you’ve built trust with them and they are able to tell you and point out, you know, is everything okay? Because you kind of feel like you’re off your game a little bit today. You know, if you surround yourself with yes men, then you’re not going to get that. And if you surround yourself with people who are negative all the time, then they’re going to be bringing you down even on the good days. So being able to assess your team and hire appropriately is so critical, and I don’t think people really think about it in those terms. David: I agree completely. I also think that when people tend to give into those emotions, when they give into the overwhelm and they just basically withdraw and say, “no, I can’t do it, I’m out.” At that point, what are they leaving to themselves? I mean, they’re really leaving the opposite. And there are people who will unintentionally feed into that. If you say, ” I’m just overwhelmed. I don’t feel like doing this.” They’ll say, “well, that’s okay,” you know, “Hey, you don’t have to do it.” And maybe that’s true, and if it’s something that’s not good for you, you definitely shouldn’t do it. But if it’s something that you were committed to, that you really wanted to be able to accomplish, and you’re having an off day and you make a decision like that, in a lot of cases, there’s no going back on that. Jay: Yeah, you’re exactly right. And so in that point you need somebody to say, “look, this is really important. We plan this out. You got this.” You know, this is really important because if we can close this sale, then it’s going to propel us forward. If you can surround yourself, at least have one person on your team like that, what a game changer. But I think when we’re interviewing people, we’re thinking more about will they be able to accomplish a specific task, more than we’re saying, will they fit into our culture and will they be somebody who brings me down or brings me up and helps move the whole team forward? David: Yeah, and even in our personal lives, there are times and there are people in our personal lives where we may not be able to share exactly what we’re going through or what we’re dealing with. I mean, there are people who, if you tell them about something that’s bothering you , they’re either going to then tell you about 10 other things that they’re dealing with that are a lot worse, or they’re going to tell you that why what you’re dealing with isn’t that bad. Or they’re going to tell you that because of what you’re suffering with, now it’s going to make it worse for them because now they’re going to be worried about you. Right? There are all kinds of things that can happen in that regard. So your point about at least having one person, you can go to, to be able to say, “Hey, listen, this is what I’m struggling with. What do you recommend,” is going to be really helpful. Jay: Yeah, absolutely. And it reminds me, I don’t know if you remember the old Saturday Night Live skits, Doug and Debbie Downer, who were at work and everything they did, they would just find a way to make it worse. I’ve worked with Doug and Debbie Downer and it becomes very hard to maintain momentum when you have those people. It’s a fine balance. You want somebody who can see the other side and give constructive criticism or somebody who’s just always negative. and I think that as an owner or a manager, you have to be able to identify how that person is affecting the team. And let that person know. And if you can coach them through it, great. If not, they just may not be a good fit. David: Absolutely. So looking around and deciding, okay, who am I interacting with? Who should I be interacting with? Who could I be interacting with to be able to help me out of whatever issues I’m dealing with in terms of feeling overwhelmed? That’s a big one. Another one that you raised in our time between the podcast was the idea of utilizing delegation. So let’s dig into that a bit. Jay: Yeah. Also so important, especially if you’re starting out. We’ve talked in the past about doing the things that are most important that only you can do. But if you are on your own, you know, or if it’s you and your wife or you know, starting out. You have to do everything. But it’s not true in today’s world anymore. It is so easy to hire a part-time virtual assistant. There are websites like Upwork or Fiverr that I’ve used many times now because I realize doing this one task is something that I shouldn’t be doing, because there’s so many other things that are more important for me to do. And so, I think people often think, well I don’t have money to hire a full-time or part-time employee. Well, you don’t have to in today’s world, and I love that. David: Yeah, that’s exactly right. You really can find most of the skills that you need in a way that is affordable and temporary. I know for decades, a lot of the people that I worked with in the promotional products industry really struggled with the idea of being able to get additional help. Where can I find somebody to help with sending out invoices and that type of thing? Because 20 years ago it meant you had to hire someone and have them sitting there in a chair in your office doing the work. Well, that is now no longer the case at all. It is so easy to delegate work to temporaries or virtual assistants who can do it from wherever they are, as time allows, and you get the benefit of being able to just utilize whatever time they have to do it without having to pay them to be there for 40 hours a week, to do what might just be a five or 10 hour a week job. Jay: Yeah, such a great point. But the other part of it is that’s their skill set. That’s what they do every day, right? So if you’re doing it, it’s probably not your skill set. It’s something that you have to do, you don’t want to do. When you hand it over to a professional, like in promotional products, maybe somebody will ask you for logo design or creative layout or something like that. If you’re not a graphic designer or even if you are, I’ve had stuff produced on Fiverr that it’s amazing. Because there are so many talented people there. So you can improve your product and get things off of your plate at the same time. David: Yeah. In the early days of my promotional products business, I invested in a program called Corel Draw, which of course allowed you to do graphic designs. I had no talent for doing graphic design, but I had Corell draw. And I made the mistake of thinking that if I had a tool that would allow me to create art, that I should actually create art, which was not the truth at all. It’s like saying, “here’s a bunch of paintbrushes, go paint the ceiling of the Sistine Chapel,” right? Just because you have the tools doesn’t mean you have the skill. And so I learned fairly early on after that experience that it would make a whole lot more sense for me to pay someone to recreate a logo than for me to try to do it pixel by pixel, not being an artist, not being good at it. Because I could spend six hours on a job that would take somebody who knew how to do it, 15 minutes. And I did that very often in my business and I’d never go back to that again. Jay: No, and you don’t have to, and the product is going to be better. So finding those little ways to offload things that you shouldn’t be doing. I always feel like your goal should be doing the things that only you can do. And then if you can delegate the rest to other people, you’re going to have fewer of those days when you’re overwhelmed. But then, probably the subject of another podcast. How do you then keep that team moving forward? How do you delegate and follow up? Because if you do that wrong, if you micromanage, things like that, then you could be destroying everything that you’re trying to build. So these are all building blocks that we’re talking about. David: Yeah. And for some people delegating can become overwhelming because they’re afraid to let go. So a lot of it, and just sort of circling back to the overall topic of feeling overwhelmed, it’s often just a good idea to take a moment and try to think about, okay, what exactly is it that I’m struggling with at the moment? What are the things, what of the specific things that make me feel overwhelmed? And we touched on this at the beginning of the last podcast, right? Making a list, writing them down, and then prioritizing and deciding, okay, what’s the thing that I really need to be doing right now? And what’s the first step on that? And then taking action on it. Because that will then allow us to maybe get a little bit of traction on the important projects so we can start to feel less overwhelmed and feel more inclined to take a next step and a step after that. Jay: Yeah. I love it. I love it. David, how can people find out more? David: Well, you can go to TopSecrets.com/call. That’s TopSecrets.com/call. Schedule a call with myself or my team. We can help you walk through whatever it is that you’re dealing with, whatever issues you’re struggling with. If there’s an area in which you’re feeling overwhelmed, particularly as it relates to growing your business, growing your sales, being able to keep up with everything on a day-to-day basis. We’d love to have the conversation, so schedule a call, and we look forward to talking with you. Jay: All right, such a pleasure. Thanks for talking today, David. David: Thank you, Jay. Still Feeling Overwhelmed? If so, check out a few ways we help promotional product distributors take the next step: Just Getting Started? If you (or someone on your team) is just getting started in promotional product sales, learn how we can help. Ready to Grow & Scale Your Business Fast? If you're an established distributor serious about growing your sales and profits now, check out this case study and schedule a call with our team. Need EQP/Preferential Pricing? If you're an established distributor doing a decent volume of sales, click here to get End Quantity Pricing from many of the top supplier lines in the promo industry.

You know, how these shows usually go. This also features a Q&A with the audience. Anthony shares a theory on market-based refereeing from the Offside chat. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

“ Beards & Bottles” Podcast Is Real life interactions cultivated with great conversations over even better drinks TUNE IN EP. 203 “DEBBIE DOWNER” WE TALKING LOVE RELATIONSHIP AND THE LACK THERE OF. AN THE HOMIE GL EXPOSE THE HARSH TRUTH ABOUT DATING HIM.. (FULL EPISODE ON PATREON)Amazon Affiliates:Aomllute Womens Hair:https://amzn.to/4kRrpliScotch Porter Smooth Beard Oilhttps://amzn.to/425NWUaSAVAGE BY DIORhttps://amzn.to/4kL5ufzHost:https://www.instagram.com/pbm_louie/?hl=en Host: https://www.instagram.com/thehomiegl/?hl=en Patreon: https://patreon.com/user?u=75143961&utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link Apple Pod: https://podcasts.apple.com/us/podcast/beards-and-bottles-podcast/id1619306178 Spotify: https://open.spotify.com/show/43c9ZFoYuQBXr2FzthVPZ3?si=yYM2l2zFReC2rdRGrmG3Pw Amazon: https://music.amazon.com/podcasts/7746be2a-2bd7-4903-882d-8a6191193a6a/beards-and-bottles-podcast?ref=dm_sh_LuV3rpp59HbQdugNrOCfTOto#podcast #reality #beardsnbottles #truecrimes #comedy #jbppodcastInstagram: @beardsnbottlesHost:Instagram:@pbm_louieInstagram: @thehomiegl#podcast #reality #beardsnbottles #truecrimes #comedy #jbppodcastAomllute Womens Hair:https://amzn.to/4kRrpliScotch Porter Smooth Beard Oilhttps://amzn.to/425NWUaSAVAGE BY DIORhttps://amzn.to/4kL5ufzHost:https://www.instagram.com/pbm_louie/?hl=en Host: https://www.instagram.com/thehomiegl/?hl=en Patreon: https://patreon.com/user?u=75143961&utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link Apple Pod: https://podcasts.apple.com/us/podcast/beards-and-bottles-podcast/id1619306178 Spotify: https://open.spotify.com/show/43c9ZFoYuQBXr2FzthVPZ3?si=yYM2l2zFReC2rdRGrmG3Pw Amazon: https://music.amazon.com/podcasts/7746be2a-2bd7-4903-882d-8a6191193a6a/beards-and-bottles-podcast?ref=dm_sh_LuV3rpp59HbQdugNrOCfTOto#podcast #reality #beardsnbottles #truecrimes #comedy #jbppodcastInstagram: @beardsnbottlesHost:Instagram:@pbm_louieInstagram: @thehomiegl#podcast #reality #beardsnbottles #truecrimes #comedy #jbppodcast

This week's scripture:Psalm 33John 3v1-16This week Adam teaches on the idea of the Psalms being tools for teaching us to respond to God. What is the value of praying together? Maybe praying together doesn't have to mean sitting in a circle and awkward silence. When we think about world event anxiety, what if the Psalms want to help keep our thoughts locked in on the right things and give us a better language to thank God?

Sounds like the Husker Hoops head coach is a Debbie Downer over the themed nights. Husker fan Mike Schaefer has takes on the promotion nighs.

Kiera is joined by Alexis Gallati, founder and lead tax strategist at Cerebral Tax Advisors, to talk about tax strategy not just for 2025 success, but 2026 and beyond. They discuss asking your CPA the right questions, shifting income from your higher tax bracket down, the Augusta rule, and a ton more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and today I am super jazzed. I have an incredible guest joining us on the podcast today ⁓ to talk about last minute tax strategies before April 15th. Like why not? I mean, hey, maybe you were like, you're not the early bird. You were like, shoot, I forgot. Like what things can I do? And so I'm super excited. Alexis Gallati, she reached out to us. ⁓ She is founder and lead tax strategist at Cerebral Tax Advisors.   Ansari Real Wealth Academy. And I was so excited about this topic because I know you guys know I love to geek out about this and I have it on my vision board of tax expert ahead. Like I hate taxes. I love taxes. I believe that taxes are such a beautiful way for us to pay to be in this incredible country. But you better believe I don't want to pay a penny more than I need to. So really figuring that out just a little bit about her is she is got a dual master's degree in business administration and taxation, which is super rad because   Let's be real, she gets the business side of it. She gets the taxation and we were chatting before and she was like, what people make like their top line revenue versus their take home pay are two different things. And I was like, amen sister, preach on. She's enrolled agent, NTPI fellow and certified tax strategist. She also is the author of advanced tax planning for medical professionals. She specializes in high level strategic tax planning and multi-state tax preparation for healthcare professionals and business owners. She's raised in a family of physicians and married to one.   She empathizes with the financial challenges medical professionals face. This personal connection inspired her to create accessible, unbiased tax solutions tailored to their busy lives. Driven by passion and guided by cerebral thinking, Alexis forms Cerebral to help professionals keep more of their hard earned money. Amen sister. That's what we want. That's why you're here. Their approach breaks the mold of traditional financial advice, offering a unique perspective for medical professionals and business owners. So while yes, she's not 1000 % dental guys were in the healthcare world and she's so brilliant. So Alexis, welcome to the show today. How are you?   Alexis Gallati (01:54) Thank you so much for having me. I'm doing very well. Hope you had a wonderful holiday season.   The Dental A Team (01:58) Yes, likewise. And I was so excited when I heard that you would be a guest on our podcast. I geek out about this, Alexis, I know it's like our first day meeting, but ⁓ I just think the world of tax is such the game of monopoly. And I'm like, if you would have just told me that rule, I could have played and won the game better. But I feel like it's always as ever changing, ever evolving. And I know there were some big things that happened in 2025 that are impacting like our our taxes. And so, yeah, definitely a timely and   exciting podcast to throw out there. So Alexis, I know I gave you a very welcomed ⁓ bio and intro, but yeah, tell us a little bit about who is Alexis. You're married to a physician. You're in this world of tag. How does one become obsessive about CPA? I'm truly just curious. How do you like, how does this happen? How did you become this?   Alexis Gallati (02:49) Yeah, so I love law and I love money. And so when I was in undergrad, I took a tax and accounting class and loved more the tax side than the accounting side, I do admit. And so after meeting my husband in college and us starting to go through that full medical journey, was about a year and a half out from him.   The Dental A Team (02:54) you   Alexis Gallati (03:18) from him finishing his residency. And I really saw the writing on the wall. Even at that time, with him being in residency, about four months of his salary was going towards taxes. And I was like, that's not right. That's not right. With   The Dental A Team (03:36) No.   Alexis Gallati (03:38) hard he works and how hard   medical community works in general. ⁓ my gosh, that's not right. So that's when I really dedicated myself to   finding out, why do the Warren Buffets and the Bill Gates of the world have this really low to sometimes non-existent tax bracket? And I really dove into that tax planning. ⁓ And so, you know, what's very unique about, ⁓ you know, the way that I work and my business is that my husband and I are in the same exact position as majority of our clients. And so, yes, I'm looking for   strategies for my clients, but I'm also looking for those strategies for myself.   The Dental A Team (04:19) You're like, hey,   it's me. I'm going to help myself out. I'm very motivated to do this.   Alexis Gallati (04:25) Very motivated. And I love it. I love it. It's like you said, it's ⁓ Congress keeps us on our toes, changing the laws consistently year after year. ⁓ it's like a puzzle. Like, hey, how can I just keep more of what I'm earning?   The Dental A Team (04:43) Yeah, and I, this is what I get obsessed about. what I learned, gosh, it's like, I was so naive when I started the company. was like, marketing is marketing. I just need to hire a marketer they can do everything. And then I was like, oh, there's a content marketer. There's a copywriter marketer. There's a strategist. There's a growth marketer. There's like an AEO marketer now. There's an SEO. Like you guys, this thing is like a web. They're a content marketer. And then I started realizing it's similar to CPAs and financial planners that like,   I thought you hire a CPA, Alexis. Like I'm so naive to business. I'm shocked that I've made it this far. Like truly I'm proud of like the journey we've been on, but like not all CPAs are created equal. And then I realized like CPAs play by different rules. Like it's the same rule, but there's shades of gray. They're how comfortable are you with this and how uncomfortable are you with it? Like there's one CPA that told me like, here, you can totally go skiing in Tahoe. Just like put your logo on your skis and you can totally ride it off and like put your logo on your boat and you can ride it off.   And then there's like the Alexis of the world was like, oh, hard pass. No, you're going to like totally get flagged. But I'm like, what rule is right? And so I realized that there are, like you said, tax strategy and for higher wealth earners. I do believe that there's a game, like you said, how did the Warren Buffett's, how did the Bill Gates, like they're not paying this. And then you get into the real estate game and you get into all these other things. You're like, how can we do this? And so Alexis, I'm just jazz. This is me being nerdy. And I'm going to ask you a bajillion questions and I can't wait.   to learn. So let's kind of talk about most of your clients, what's the size of take home net pay that they do. So that way we know like what brackets were in. So that way right clients come to you. I also learned not all financial advisors take all people. I was like, I make 30 grand. They're like, great. So we're going to help you out just a little bit. And then like, when you get to this level, we'll chat with you. ⁓ tell us kind of that. And then let's dig into how do we keep more money, Alexis, legally.   Alexis Gallati (06:10) I love it.   The Dental A Team (06:39) I'm here for legal advice. I'm willing to go gray, but not go to jail. So that's my line. So as long as we're on the same page, I think we are, I'm here for it.   Alexis Gallati (06:40) Yes.   Definitely, yeah. I am more than happy to play in the gray areas. We just have to feel comfortable defending it in an audit. And so that's our line in the sand. ⁓ But yeah.   The Dental A Team (06:55) Mm-hmm.   She's like, this is why I went to law guys. This is why I like the law side and the CPA.   I like it. I like your style. It's so unique and I just am excited. So, okay, I'm ready.   Alexis Gallati (07:07) Yeah.   Yeah. at Cerebral, we work with those that earn at minimum $400,000 per year in taxable income. So we have lots of businesses, which by the way, 99.9 % of our clients are medical professionals. I think we have like maybe two clients that have zero ties to the medical industry. And so the practices we work with, you know,   generally range from anywhere from maybe about $700,000 in gross revenue all the way up to eight figures. So we tend to not work with those that are larger practices, that usually over 50 employees. And that's just because once you get above 50 employees, yeah, it changes quite a bit. So we're definitely in there with those smaller to medium sized practices.   The Dental A Team (07:56) Tax co-changes. Yep.   Amazing. No, that's super helpful. And I know we were talking before, like the average of your clients, about 700,000 like net pay is typical where you guys are at. You have some that are higher, but that minimum of 400,000, which is great because I do think that there are thresholds. ⁓ And I did learn through going through business that who Kiera needed as a tax support and advisor when I was in that 30,000 range compare and as a business owner, I thought it was so funny.   Gosh, taxes, like they hurt so bad sometimes. Like, whoa, easy come, easy go. Like I've never, I've always been a W-2. So that was such a fascinating world for me. But yeah, let's dig into some of the things you've seen for the medical world. Cause I know I have friends that were physicians and they're really big on real estate. And like I took the real estate Kool-Aid and I'm just like, is this really real? There's gotta be easier ways than doing this. And so I'm just jazzed to kind of go through what are some of the things we can do now before April 15th.   What are things that we can do even past April 15th to set us up for great success for 2026? So Alexis, this is your show. I'm just excited, kind of riffed us through it. Of course, I'm gonna geek out and ask probably about way more questions than you care to even be asked, but I'm really excited to learn more today.   Alexis Gallati (09:20) Yeah, great. Well, yeah, I hate to be a little bit of a Debbie Downer in the beginning and that when your past December 31st, ⁓ the number of tax strategies that are available to you are before you actually go to file your tax return are limited. It's just the nature of the code.   The Dental A Team (09:37) I agree. was super, when you were   like, what are the tech? I was like, I want to know because most of the times like when the clock strikes midnight on December 31st, it's like game over and we start again. But yes, which is why I want to know what are like the small ones, but then also Alexis like, let's set our listeners up for like, what things can they do this year to be better prepared for it in conjunction? So yes, before April 15th, but selfishly I want to know what else can I do this year that maybe I haven't thought of.   Alexis Gallati (09:52) Yeah.   you   The Dental A Team (10:06) because the clock hasn't struck midnight in 2026. So like we've got time. So yeah, for 2025 filing, but also for 2026 as well.   Alexis Gallati (10:09) Yeah.   Yeah, so let's talk about 2025 filing first. Especially if you're a business owner, there are actually a number of things that you could still put together for yourself that can impact your 2025 financials. ⁓ So even basic things like if you haven't been taking advantage of your home office deduction or ⁓ vehicle expenses ⁓ and unreimbursed business expenses. So those are expenses that you paid   personally, but our business expenses. So all of those items, you can still go and report on your 2025 return. So if you haven't taken the time to sit down and say, how much should I pay in my home utilities or insurance, repairs, et cetera, and take the percentage. So let's say your home office is 7%.   of your total square footage of your home. Well, then you can write off 7 % of your home expenses on your taxes. the treatment's a little bit different depending upon if you're a sole proprietorship or an S corporation. But in general, you still have that time to take advantage of that. And a lot of you might be like, oh, Alexis, it's such a little amount. I don't even know if it's worth it. Believe me.   All these little things can really add up together. And easily, I usually see between $10,000 to $20,000 of really ⁓ easy to grab savings for yourself if you just take even a few hours to gather all the information. ⁓ And you can even use ⁓ personal financial apps like Monarch Money or You Need a Budget, things like that to help.   organize that information for you throughout the year so it's a little more automated.   The Dental A Team (12:10) Yeah, that's amazing. I do love the YNAB. You're throwing me back to like pharmacy school days of you need a budget. I was like, oh my gosh, got to answer this every time. They have updated so much, but I love that you said like 10 to 20 grand, I think is worthwhile, but more than it being pennies or dollars, I think it's the discipline of having it prepared for next year too. So that way we don't, I think it's like, well, it might not be enough this year, but I'm like, you take that this year and we compound over the next year and the next year and the next year. I think these little things to me at least,   Alexis Gallati (12:15) Ha ha ha.   The Dental A Team (12:41) Like I said, it's their game of monopoly. And I'm like, okay, maybe I didn't get it that time, but I'm going to take that rule and I'm going to apply it this year and the next year and the next year. So I'm even taking notes over here, guys. So Alexis, if you see me, I'm writing it like, okay, I'm going to check in on that, check in on that. So make sure, make sure that they're being taken into consideration because I don't prep my own taxes. I don't even know half the stuff. Like they just tell me. So I also think being a good steward as well and always double checking your CPA to make sure like, are we maximizing every deduction we can?   Alexis Gallati (12:53) Good, I like it.   Of course.   Yeah. And being proactive is like you said, the number one thing because the IRS can deny deduction if you don't have that itemized receipt or you don't have the proper documentation. And 99 % of any fight with the IRS is that documentation. And I did a three year fellowship in IRS representation. So I'm obviously very focused on that tax savings, but also very focused on making sure   that everything's set up properly. So if the IRS were to challenge it or even the state, you're in good hands. then that way, you can just give them the stuff and say, go away.   The Dental A Team (13:51) Exactly. And I heard somebody once tell me, they're like, Kiera, it's not a matter of if I'll be audited, it's when. Like every business will most likely be audited at some point. I hope and pray like we're not. I think about that a lot of like cross my T's, dot my I's, make sure that I'm constantly trying to be compliant with things. But your wealth of knowledge on that Alexis of what things and how to become, I mean, shoot three years of IRS. Girl, you got my vote. That's impressive. And like love the love the authority piece that you're bringing to our podcast today.   Alexis Gallati (14:20) Thank you. Thank you. So some other things that you're able to do before you file that tax return, and this is a big one, is retirement. So you actually have until the filing of a tax return, and that includes extensions. So for example, if you're an S corporation or a partnership, have the original due date, which is March 15th, or the extended due date, which is September 15th, to go and   open and fund that retirement plan. So if you have employees, it can get obviously a little bit more complicated, but you still are able to do it and ⁓ do that employer contribution. And that's obviously really one of the lower hanging fruits when it comes to not only tax savings, but also wealth generation.   The Dental A Team (15:12) Yeah, no, I love that. That's a great idea. And I think a lot of people miss that. And again, CPAs, tax strategists, wealth advisors, they're all playing in their own lanes, but how can we make sure all of them are maximizing together? Because you as a human are trying to build that wealth. So I love that.   Alexis Gallati (15:30) Yeah. And don't forget as well, you know, kind of in the same vein as retirement is that health savings account. So if you had a high deductible plan throughout the year, but maybe your employer didn't actually provide a ⁓ health savings account, like so if you're a W-2, for example, or even if you're self-employed, you can still go open up your   own Health Savings account through, I think Fidelity has some, ⁓ Optum Bank, HSA Bank. So there's a whole bunch of different providers out there. can just Google and find the provider that works best for you.   The Dental A Team (16:07) Interesting. And I know like I just wrote that down because a lot of dentists don't have HSA. Like we are the providers for it. But hearing that that might even be a resource to attract people into your business if you were able to like, don't necessarily provide it, but these are some companies that we could help our employees get if they wanted to have an HSA because I know that that's something that my husband works at a hospital. So there's an HSA there, but as sole proprietors and S-Corps, a lot of times they aren't provided. That's actually really like, I think just a great tool and resource to   possibly provide to our employees, depending upon what it looks like for your business.   Alexis Gallati (16:40) Yeah, definitely. And then one other thing that you ⁓ may be able to do, depending upon your state, ⁓ to help with state taxes, is go and contribute to a 529 plan, which is for education for yourself or other dependent. And some states like Georgia, Indiana, Michigan, South Carolina, there's a number of them. They allow you to make that contribution all the way up to the   filing of the tax return.   The Dental A Team (17:13) Interesting. I did not know that I wrote that down. That's fascinating. I love this. This is like so fun. Keep going.   Alexis Gallati (17:20) Yeah. Yeah. So that, you know, is, a good, especially for, you know, higher earners. ⁓ that's kind of a good summary of what you can be doing before this, ⁓ April 15th or even the extended due date as well. ⁓ but when you start looking into 2026, who, that book, that book opens up, there is.   The Dental A Team (17:39) It does, right? It's like the   monopoly Bible. Like it's so big. Like how do I play the game of taxes? So I truly, and I think like for all the listeners, like the home office, the HSA, ⁓ retirement, the 529 plan, like there's still time. So go look at those things. And even if you can't contribute or do those things now, having that set up for next year, like, Alexis, truly, I'm like, I'm getting the popcorn. I'm getting my notepad. Like,   I am so excited because half these things I haven't heard of. And so it's very fun to just hear different perspectives. And I do love that you've got a legal background too. I love that you're in IRS. I love that you're in medicine and healthcare and like for your own personal savings too. It's like you're the Nancy Drew of like, how can I do the most amount through all of this? It's a very fascinating perspective you bring today.   Alexis Gallati (18:27) thank you. I appreciate that. yeah, when obviously when you are a W-2 employee still that your options are not as open for those that have a business. But ⁓ besides obviously retirement HSA that you can do all year, one thing that a lot of W-2 employees forget is to actually check with your employer to see what their reimbursement policy looks like.   The Dental A Team (18:29) course.   Alexis Gallati (18:55) because if you're maybe in a private practice with a large group, and I mean, these could even be groups that have sometimes hundreds of physicians in it, or even if it's just a hospital system, they'll have actually pretty generous reimbursement policies for things like your CME, your new loops, or going and   doing your mileage in between different hospitals or clinics, things like that. So making sure that you are keeping track of those things. Obviously, if you're a business owner, you definitely want to keep track of those. But some of my favorite for those that own their own practices, my absolute favorite is hiring your kids.   The Dental A Team (19:36) Of course, yeah.   Alexis Gallati (19:48) It seems so basic, but believe me, there are definitely steps in place that have to be done in order to make sure they ⁓ qualify. for me, the ⁓ court tested age is seven. So I usually don't recommend my clients going and hiring their kids until they're at least that age. You can do it younger, but the old my kids are models strategy is kind of ⁓ antiquated now just because ⁓   everybody has these great cameras now on their phones. And so it's kind of devalued, being a model ⁓ for those that aren't professionals basically. ⁓ But that's a really great way to shift income from your higher tax bracket down to their non-existent tax bracket.   The Dental A Team (20:21) Totally.   Right?   Alexis Gallati (20:40) and you can then put that money into a Roth IRA for them. And if you do that, let's say over like a 10 year period in 2026, that amount is 7,500 is the max you can put in. They're easily, by the time they're age 65, gonna have at least 2 million plus dollars in savings. So it's a really great way to create a legacy for your kids and give them a little headstart.   The Dental A Team (20:48) Mm-hmm.   Yeah, that's amazing. And I think so many people are like, I don't know how to help my kids with college or different things like that. And it's like, these are great ways to prepare them for the future for when they retire for things like that. I mean, how awesome I know a couple of ⁓ doctors because   The bulk of our audience, Alexis, are not W-2 earners. They are self-employed, like dental practice owners. ⁓ But I know that there were several that didn't tell their kids that they had done this for them. And then the surprise when they graduated college of, we've been putting this into place for you. I mean, shoot, that money's going to go to the government or to your kids. Why not invest in your children? You're going to pay that money regardless. So ⁓ definitely think that that's such a brilliant idea. And I've heard people, they're like,   their real job, like they have to have a real job. They're like a paper shredder. Like they like literally shred the paper or they open the mail or they like pick out the cards or they pick out the toys for the prize boxes, like actual legit jobs that they employ them for. But I think what an amazing gift and legacy to give your kids as well.   Alexis Gallati (21:51) they   Yeah, exactly. All four of my children are, obviously cerebral isn't a dental practice, but they're hired through cerebral. So that way they are earning enough to put that money into their Roth IRA. ⁓ And a lot of ⁓ my clients are like, man, I don't know what my kids can do. And like you said, there's a lot of admin work that they can do. Even a seven-year-old can.   like you said, shred paper, stamp envelopes. They can help with doing their ABCs and filing things away if you're an older ⁓ practice owner and they have ⁓ still the paper file system. ⁓ yeah, it really is a wonderful way to not only teach responsibility, but also to save. ⁓ I highly recommend ⁓ doing that. And even if you have parents that you financially support, you could even   The Dental A Team (22:45) Yeah.   Yeah.   Alexis Gallati (23:02) go and hire your parents through your practice ⁓ and write off their support. Of course, again, they need to also have a legitimate job in the business. with parents, you have to be careful if they have any benefits like social security or Medicare. Then you just want to make sure that you're not pushing them out of those benefits because of their income ⁓ or making any part of their social security taxable. So that takes a little bit more. ⁓   finesse than hiring a child.   The Dental A Team (23:36) No, that's great. That's a really good idea too, because I hadn't thought about parents. I have heard about children, but you're right, parents are retired. And if there's ways that you can support and give back rather than like, again, I love the government. I am happy to pay taxes, but if there's ways that I can support my own family, ⁓ I think it's great because I'm going to pay that money anyway, but paying it to people that I love and care about is really a great idea.   Alexis Gallati (24:00) Yeah. Another popular one I'm sure that you've seen on TikTok or other social media is the Augusta rule. ⁓ and this is where you're renting your home to your business. ⁓ and this is perfect example where documentation is absolutely critical. ⁓ but basically what happens is you rent your home to your business for 14 days or less. Those days do not have to be consecutive and your business gets to   The Dental A Team (24:07) Mm-hmm.   Alexis Gallati (24:28) right off the cost of that rent. So obviously lowers your taxes. But then you as the individual do not have to pay tax on that rental income. Now, if you do it for 15 days and you've ruined the strategy and you have to pay tax on all 15 days. So that's really important you do 14 days or less. But this is again a really great way if you have monthly board meetings, that's 12 days right there.   Or if you have employee parties, if you have colleagues over in discussing business, though, as long as you have a rental agreement in place between yourself and your business, and you document through meeting minutes everything that occurred during that event, then that is the documentation that the IRS would need in order to substantiate that.   strategy. And obviously a reasonable rental rate as well.   The Dental A Team (25:27) Yeah, no, didn't realize,   I did not realize that you needed a rental agreement. Can you expand more on that? like we check all the Airbnb's and the VRBO's in the area to see what does our house actually go for and like keep that documented every single year and then have an actual agenda and like have it in the calendar. So it's in our Google calendar. It's got an agenda. It's got a PDF didn't attach. But how does the rental agreement work? like, yeah, how do you, I didn't realize that that was a necessary piece to it.   Alexis Gallati (25:57) Yeah, so you can even just use ChatGPT to create it. ⁓ But essentially what you do is it's just that agreement between the business and personal. So ⁓ you just want to think about it like any other rental that you would do. If you were to go to a conference room in a hotel, for example, or go rent that Airbnb, you're going to be signing some sort of agreement saying that this can happen.   that this event can happen on this date. ⁓ you can either do one agreement for the entire year, spelling out like, here are the days that we're going to be doing these things, ⁓ or you can have an agreement for each time that it happens.   The Dental A Team (26:43) Very cool. That's super helpful. Yeah, I do love the addresses for all anything people. And I mean, I've had CPAs and like, don't go crazy. Like that's where I say like check Airbnb, check VRBO like what you think your house is worth versus what market value says your house is worth. Like, let's make sure that we are accurate on that. But yeah, that's definitely an amazing one that I think is great for offices to surely do.   Alexis Gallati (26:51) Yes.   Yep. Go and get two to three comps. So then that way can just take an average. I feel like that's a very safe way to, ⁓ show reasonableness. You're not just like, Hey, I'm taking the highest one on the block. You know, it's taking a few of them.   The Dental A Team (27:21) Totally. No, definitely agree. I love that. Okay, Alexis, what other ideas? know we're, I'm like just like sitting here. I'm like, I love this writing it down. Great ideas. What are some of the ones that like, yeah, anything else that's going to save us? Um, because like taxes are taxes and we are going to pay them, but like, what else can we do to, like you said, Bill Gates or, um, like Warren Buffett, what are the things that you found for like these higher net worth earners? Like, do they need to get into real estate and like use the big, beautiful tax bill or like,   Alexis Gallati (27:23) Yeah.   Okay.   The Dental A Team (27:50) anything else that you've seen that like really moves the noodles or is like, no, just the small consistent things are really going to help them out.   Alexis Gallati (27:57) Yes, well, they all help out. ⁓ But if you are looking for more of that, hey, Alexis, what's like Hail Mary that I can be doing to act to really save? ⁓ You can look at real estate. ⁓ That could be a whole podcast by itself. ⁓ But in general, you you tend to ⁓ get into real estate when you're not talking about like reets or things I can do through the stock market.   The Dental A Team (28:14) Right.   Alexis Gallati (28:26) ⁓ You're either doing like real estate syndications, ⁓ direct ownership, like long-term rentals or short-term rentals. And ⁓ each of those are treated differently and have different ways of making that ⁓ a tax deduction for yourself. So when it comes to, in general, ⁓ real estate syndications, this is where you're   The Dental A Team (28:49) Mm-hmm.   Alexis Gallati (28:54) buying into a partnership that maybe owns an office building. And you go in with other partners and ⁓ it's syndicated. So it's very passive. There's no way for you to write off any losses in that current year. ⁓ When it comes to direct ownership, the IRS basically says, hey, that real estate is considered passive unless you have real estate professional status or you do that short-term rental   deduction or excuse me, short-term rental exclusion. And so what ⁓ happens if you can qualify for the short-term rental exclusion or real estate professional status is that those what would have been passive losses that you can't use against your current income will be considered active losses. And then you can use it against your   active income, when I say active income, things like your W-2 or your business. So you're getting a current year deduction from that. And you can do cost segregation study to help accelerate depreciation. ⁓ So this is very, very much in the nutshell sort of explanation. ⁓ But it can really be a great way to lower your taxes if   The Dental A Team (29:57) Mm-hmm.   Yeah.   Alexis Gallati (30:16) you essentially want a second job. Just know that real estate is not as passive as the social media gurus go and ⁓ try to glamorize. It really does take a lot of extra work. You want to make sure that you are following the rules properly so that you can get that tax benefit in the current year. ⁓ But if you   The Dental A Team (30:19) Yeah.   Alexis Gallati (30:41) do have that prerogative and you want to learn and get do things properly, then it can really save you quite a bit of money.   The Dental A Team (30:48) Yeah. Are there any other things, Alexis, that are like real estate that save that much but don't require that much work? I'm asking you for the weight loss drug of taxes, please. What's our easiest way with the most amount of bang for buck that you've seen? These are the big hits that if you want, because agreed, real estate's great. If you do that short-term thing, but it is a lot of work. With the big, beautiful tax bill that came through, that 100 % depreciation is pretty fantastic. But like you said,   Alexis Gallati (30:54) Yes.   Mm-hmm.   The Dental A Team (31:17) got to have it rented out, you got to have the pieces, you got to like reno it like there are and you have to have it done by the end of the year and like it's a stressful zone. ⁓ So are there other things that you've seen that might be like 50 or 100 or 200,000 off taxes that aren't necessary real estate? The Augustus one, yes. Like paying people, there's things but is there anything else you've found that are like some of those bigger chunks that maybe people don't think about they don't recognize? Yes of course they're going to take a little bit more work but...   Alexis Gallati (31:17) You gotta work for it.   The Dental A Team (31:45) that you found that could be benefits to our audience.   Alexis Gallati (31:48) OK, so let's talk about my Hail Mary for tax savings. I   love this one towards the end of the year because you're going to want to know, have a good idea of where your tax situation is going to end up. So I use this a lot for year end planning. And this is oil and gas. When you ⁓ invest in oil and gas, again, just like with real estate, there's a lot of different options.   But my favorite is our drilling funds and this is where you invest in a partnership that owns oil and gas wells and these this allows you in that first year to Essentially write off usually somewhere between 80 to 95 percent of the investment that you've put in So let's say you invest a hundred thousand dollars Then you're getting about and let's say conservatively an eighty thousand dollar deduction that can go a   against your ordinary income. So if you're W2 or your business. usually, a good rule of thumb is that, let's say, if you're putting in $100,000, you're saving $30,000 in tax. You're putting in $200,000, you're saving $60,000 in tax. And then after year one, you're earning overall, during the life of the investment, about a 2x   The Dental A Team (33:10) Bye.   Alexis Gallati (33:11) you put   100,000, you're getting about 200,000 back. And so it's considered a very conservative investment. And just because the length of the investment, and this is one of the cons of it, is that it's usually about a 10 to 12 year period. So it's generally only about a 7 % return on investment over the life of the investment. the great thing about it is that   you let's say if you did put in that hundred thousand, you're getting that 30,000 in savings, and then you can go put that into something else that will earn you even more money. So then this is something that you can do every single year. And, you know, just depends on how much money you want to save and so that how much you put in for that investment.   The Dental A Team (33:57) Gosh, that's such a good one. And these are things of like just fun, like tips and topics. Like I said, it's the rules of monopoly. I caught like, how do we play tax strategy better? Alexis, what are any like resources? I feel like you guys have some resources. Like I feel the world of tax is so daunting. And so it's like, we hear from podcasts and we hear snippets and we see TikTok and it's like real estate games. like, where do people go if they like want to dig a little bit deeper and really become like more tax expert and more tax savvy and.   like tax strategy, like what are any resources you found or ways for people just to become a little bit more literate in the tax world.   Alexis Gallati (34:33) Yes, so ⁓ of course I'm to do a little shameful plug. My book, The ⁓ Advanced Tax Strategies for Medical Professionals, it's really just that it's a brain dump of all different types of strategies, whether it's for your business or W-2 only, charitable, these alternative investments. And so it's really a space.   The Dental A Team (34:36) as you should.   Alexis Gallati (34:58) for readers to learn more about their options. So then that was the way they can go online and do more research or bring it to their current advisor. So, you know, it's just about opening those possibilities. Otherwise, you know, one resource that is really great for especially medical professionals is the White Coat Investor that Dr. Dali, he has a wonderful, wonderful site and he puts out really good material.   The Dental A Team (35:11) Yeah.   Alexis Gallati (35:25) when it comes to not only taxes, but also for ⁓ just finances in general. And then, of course, on ⁓ CerebralTaxAdvisors.com, our website has wonderful ⁓ material that I put out all the time. There's lots of goodies there, as well as ⁓ different resources and worksheets and stuff like that.   The Dental A Team (35:52) Yeah, no, that's super helpful.   But Alexis, what do you find ⁓ as you go through this? Like one, how often are you meeting with your clients? Because I feel like so many CPAs and tax strategists meet with them in like December 1st and they're like, hey, you owe this much money. Is that how you guys plan? Like how should tax planning actually work?   or is that normal? Like I'm just trying to find a vibe of how this should work in the industry.   Alexis Gallati (36:15) Yeah.   Yeah. So when a medical professional first starts working with us, I design a tax plan for them. And that's really critical because right then and there, OK, what can we be doing to dramatically lower your taxes, legally, of course, and set you up for success? And then we meet with our clients at minimum twice a year. So we do a mid-year tax projection and a year-end tax projection.   The Dental A Team (36:34) course.   Alexis Gallati (36:45) And especially with medical professionals, your income is so variable throughout the year, depending upon insurance reimbursements or seasonality and things like that. And so we really want to make sure that we have a good, clear understanding, good six plus months in advance. Hey, what are you going to be owing tax wise? What does cash flow look like? What quarterly estimated payments do you need to make?   All of these things should not be a surprise. So that's why when I built Cerebral in the packages we have, I was really focused around how do we eliminate those surprises.   The Dental A Team (37:23) Yeah, no, I love that. that's super helpful because I feel like so many just wait till December and it's like, no, like there's things I could have been doing and if I would have known. So that's super helpful. And then I think the other question is like, okay, you guys are tax strategy. Are you CPA? Are you bookkeeping? Like kind of differentiate. Are you in the financial advisor world? Like what specifically would we say I need you for XYZ, but I'm going to need these people again, like marketing, right? Like what facet of my wealth management are you?   and who do I need paired with you?   Alexis Gallati (37:54) Yep, so we are your tax compliance, tax planning, your bookkeeping, and CFO services, and also business advising as well. So we're able to set up entities for you ⁓ as well as provide ⁓ just a lot of the years and years of experience that we have in running businesses and seeing different types of practices, et cetera. ⁓ We are not investment advisors, so we won't   say, buy Coca-Cola versus Pepsi. But we will introduce you to different investments that have tax benefits. And one very unique quality of Cerebral that's very different from other firms is that we do not take any commissions or kickbacks on any strategies we recommend or vendors we recommend. And we don't sell any products. So we're very education-based. I'm very focused on   you understanding your options so you can make a educated decision on what you want to move forward with. And then we are a white glove done for you firm that will implement those strategies on your behalf and make sure they're reported properly on your tax returns. Because that's what we've found being in this industry, especially specializing in medical professionals, is there's a lot of people out there that know about these strategies.   but they do not know how to implement them properly. And that honestly is 80 % of the fight when it comes to doing any of these strategies.   The Dental A Team (39:26) Yeah, no, that's incredible. So, and again, this is just like naiveness on my side. Do I need a CPA or are you guys the replacement of a CPA?   Alexis Gallati (39:35) Yeah, we're the replacement of CPA. We are CPAs. We are EAs. So we are taking care of your tax preparation, so personal and business. We do it all. I try to keep these packages as comprehensive as possible because I hate being nickel and dined. communication's a top priority for us. And so we don't want our clients to hesitate whatsoever to connect with us. And so that's why we don't.   The Dental A Team (39:56) Totally.   Amazing.   Alexis Gallati (40:05) shot like I, my gosh, I just got like a bill from my attorney the other day and it was for stuff that I talked to him about like in August. I'm like, I hate those pop-up bills. So that's yeah, that's, why I try to make it as comprehensive as possible.   The Dental A Team (40:10) Yep.   Right.   Awesome.   No, that's fantastic. That's really helpful. And I know a lot of people are very nervous to switch from their CPA. CPAs, feel like we're so embedded and we trust them with our souls. Truly, I see this. ⁓ So is there complementary calls we have with you? how do we start with that? Because I know, honestly, untangling from a CPA is such a pain. It is so annoying. so ⁓ how does that process work if people want to work with you, Alexis?   Alexis Gallati (40:46) So the best thing you can do is go to our website and go to the contact page. And you will ⁓ go through a very quick questionnaire to make sure that you're a good fit for us, because we also want to make sure we're a good fit for you. And we will ⁓ have a tax discovery session. And during that session, we will. We'll talk about what your needs are and what it's like to work with us. ⁓ I'm very focused on that return on investment. We actually have a guarantee.   with the design of our plans that I will save you at least two times what you pay us in ⁓ tax savings or you get the plan for free. And on average, our clients actually achieve 4.5 multiple with the design of our plans. So again, it doesn't make sense for us to work together if I can't save you more than what you're paying us.   The Dental A Team (41:39) That's amazing. No, that's incredible. And that's a great guarantee. And ⁓ then let's say hypothetical, we do get audited. How often do you guys go through audits and like success rate? Like I'm imagining if you were three years in IRS, you're probably pretty fantastic at that. But these are always things that I'm just curious. Like how does that work? And how often are your clients audited? And like, how is your success rate on that? And if you don't want to share this, I hope you do. We're just going to go for it. Like, yeah, I'm just going to ask the weird questions. Why not?   Alexis Gallati (42:01) Yeah.   I love the weird questions. They're the best. So yeah, that's one thing I can never guarantee that you won't be audited because of course there are always random audits that happen. We've only had three audits since I started Cerebral over 10 years ago. In 2014, I started Cerebral. ⁓ And ⁓ one of them was for the mortgage interest deduction. there's a limitation in that.   The Dental A Team (42:18) It's incredible.   Alexis Gallati (42:28) Um, and that was just, unfortunately, a client had not provided the correct information. And so we were easily able to just change it and be on our way. Um, and then another two were regarding actually real estate professional status. And that was just New York state saying, Hey, like we don't, we don't think that you're actually qualified for this. we're like, Oh, yeah, we do. Here's the paperwork. And they're like, Oh, okay. See you later. So yeah.   The Dental A Team (42:50) Yeah.   That's amazing.   That's a huge thing. And I'm so glad I asked the question because I think for me, that's something I'm curious on of like, I get it. Like you said, you can't guarantee that, but as long as you back in, do you guys charge extra for those audits or is that part of the plan? Like, nope, we stand behind it. Like, how does that work? Cause I know there's some firms that I have chatted with and if we do get audited, it's like 375 an hour for the audit. And I'm like, okay, like I'll just plan for that. But how does that work for you guys?   Alexis Gallati (43:18) Yep, so we back up all of our work and all of our packages. If you do receive a notice for anything that we prepare, you send it to us and we help you take care of it. So yeah, we 100 % back up our work. If you come start working with us and you have some a notice from a year that we didn't handle, like we didn't prepare, we'll still help you handle it. But that would be just.   at our hourly rate, depending upon the extensiveness of the notice. But to go back to your original question about making that change, I 100 % get it, especially if you've been with somebody for so long. And so you just have to look at that cost benefit and see, hey, staying with this person, how much is that costing me in tax savings versus   The Dental A Team (44:01) Right.   Alexis Gallati (44:12) going with somebody like cerebral and we try to go and make that process as seamless as possible when it comes to getting ⁓ up to date in your history and then ⁓ getting access to your bookkeeping and getting your tax returns. ⁓ And so, because I completely understand it can be daunting, but. ⁓   Happy to have a conversation around it when we meet about the discovery session and to see if it's something you'd want to move forward with.   The Dental A Team (44:43) Amazing. Alexis, has been such a great podcast and I just love meeting great individuals. I love how much you have a passion for the law and for the tax wealth and it's your own life and your own livelihood. So if people want to reach out, I know you said it before, how do they connect with you? So yeah, they can get started if they're interested.   Alexis Gallati (45:01) Yeah. So you can Google us or just go to CerebralTaxAdvisors.com. And which by the way, the reason why I have cerebral is because my husband is a private practice neurosurgeon and my dad's a retired private practice neurologist. hence cerebral in the brain. So if y'all can remember. But yeah, so CerebralTaxAdvisors.com is the best way to get a hold of us.   The Dental A Team (45:14) There you go.   I love it. Yeah.   Alexis Gallati (45:27) ⁓ And I look forward to potentially talking with y'all.   The Dental A Team (45:32) Well, Alexis, thank you so much for this. And for all of you listening, I hope you take advantage between now and April 15th. I hope you just like have a conversation. I'm always pro. I love CPAs. My CPA listens to this podcast and I'm always interested in meeting new people like Alexis, chatting with them. Are there different ways that they can benefit me? Because yes, I love my CPA, but I love more than that saving money and learning new strategies that maybe I didn't know about. So Alexis, I really hope a lot of them reach out to you, connect with you and for   All of you listening, thank you for listening. I'll catch you next time on the Dental A Team Podcast.  

Lara and Carey return to the scene of the crime to discuss the new horrors LVP has unleashed upon the world, but first they discuss the fantasy of a Courtney Love podcast, Ariana and Sandoval tentatively settling their hetero-hell house drama, Rachel Leviss' sound bath purgatory, Chiara Ferragni beating her Christmas cake allegations, and the latest feud between the Sisters Sheen.Back on VPR, Lisa assembles her hired models for a merch photo shoot, where Angelica ramps up her back injury claims and starts spreading the Good Word about Chris and Jason's penis pumps– much to Audrey's dismay. Demy and Natalie decide to end their friendship, and Jason and Angelica reach a non-resolution. Shayne vanquishes male shame once and for all by revealing not only a close return to Kratom and his family history of hardcore drug use, but also his gunshot wound-wrought erectile dysfunction. Shayne's short horror movie premieres at the most rindom film festival in LA, where his Randy Quaid-ass dad and Debbie Downer sister attend in trailer park fashion. The crew celebrates at Barney's Beanery, where Marcus terrorizes Kim for hugging her friends and Audrey confronts Angelica over PumpGate, as further evidence mounts in favor of Angelica's true form of a CIA agent and/or a 3D print-out robot. Hosted on Acast. See acast.com/privacy for more information.