Podcasts about delaying

Retirement planning often sounds like a math problem.But sometimes the most important question is not whether you can retire. It is what kind of life you want your money to support.In this episode, Ari Taublieb, CFP®, responds to a listener who is 52 year old and hopes to retire at 55 with approximately $2.8 million saved. On paper, he appears to be in a strong position. But like many people approaching retirement, he is trying to balance competing goals.He wants the freedom to spend more, travel, fly airplanes, and enjoy experiences he has worked decades to afford. At the same time, he is considering purchasing a home, navigating the Rule of 55, and figuring out how much is actually safe to withdraw without creating problems later.The challenge is not a lack of resources. It is deciding which priorities matter most.Ari walks through the tradeoffs involved when multiple goals compete for the same dollars. Buying a home may provide peace of mind, but it can reduce the assets available to generate retirement income. Spending more can create incredible experiences, but it may require accepting a different long-term outcome. Delaying retirement can improve the numbers, but it may come at the cost of years that can never be recovered.The deeper conversation centers around a mistake many future retirees make. They focus on reaching a specific net worth target instead of determining what income and lifestyle they actually need.By reverse engineering retirement around spending goals, future Social Security benefits, pension income, and personal priorities, a clearer picture begins to emerge.The takeaway is simple. Retirement is not about maximizing every financial decision. It is about understanding the tradeoffs, making intentional choices, and building a plan that supports the life you actually want to live.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this episode we'll talk about:Why slower seasons aren't necessarily signs that you've been forgottenHow preparation often happens in places we can't yet seeWhy pace can be a form of protection—for both you and what you're buildingHow hindsight often reveals the wisdom we couldn't see in the momentWhy trusting God's timing doesn't mean becoming passive—it means faithfully stewarding today's assignmentAnd more… START HERE…→ Join The Niche Is You® — my Substack (20K+) — Weekly essays, the full workshop library, the private community + the Quarterly Challenges. → https://mattgottesman.substack.com/aboutNEW HERE…→ 6 Days to Clarity Workshop — clarity for your time, energy, money, creativity, work & play. → https://mattgottesman.com/reverse-engineer-your-life (FREE)CONNECT WITH ME…→ Instagram — @mattgottesman→ TikTok — @mattgottesman→ YouTube — @mattgottesmanRESOURCES…→ Write • Design • Build — my Content Creator Studio & OS masterclass (Included when you join my Substack) — Growing the niche of you, your audience, reach, voice, passion & income — CLICK HERE→ Recommended Book List — CLICK HERE→ Apparel — thenicheisyou.comOTHER RELATED EPISODES:Faith Isn't Knowing the Whole Path… It's Taking the Next Honest StepApple: https://apple.co/3MB62IuSpotify: https://bit.ly/4rZw3RN

Send us Fan MailSmart women don't figure it out alone. They just convinced themselves they should.If you've been grinding through your finances solo, exhausted, overwhelmed, and wondering why nothing is moving fast enough, this episode is Dr. Latifat's direct challenge to the story you've been telling yourself about what it means to be capable. Because doing it alone isn't badass. It's expensive.In this episode:Where the "smart women do it alone" myth actually comes fromHow doing it alone is draining your energy AND slowing down your wealth buildingThe real thought shift: wealth grows better in the right community Why the wrong community is just as dangerous as no community The Wealth Village member who was overwhelmed and the one conversation that changed everythingThe missing team member Dr. Latifat spotted that the physician couldn't see herself "We are done with the superwoman nonsense. We are here for the savvy, badass woman who is living a richer, freer life in community."If you're tired of feeling like medicine is something you have to keep doing instead of something you get to choose, this workshop is for you.Join us to learn how busy women physicians are creating financial freedom, building real options, and designing lives they do not need to escape from without waiting for traditional retirement.

Eric, producer of the Travis Makes Money podcast, joins Travis for a candid conversation about the purchases that actually improve life. From massages after long international flights to buying a family-friendly Lexus, Eric shares why intentional spending—especially on meaningful experiences—has delivered more lasting value than constantly upgrading possessions. On this episode we talk about: Why Eric associates massages with international travel and recovery after long flights The awkwardness of tipping and making payments after a supposedly relaxing massage The myth that one more purchase will solve all your problems Why a new Lexus SUV turned out to be a worthwhile, guilt-free purchase for Eric's family Choosing family trips and shared memories over frequent tech, TV, and gift upgrades Top 3 Takeaways Spend on purchases that solve a real, recurring problem—not just on things that create a short-lived rush. Experiences, travel, and time with the people you love can create more lasting happiness than accumulating more possessions. Delaying an upgrade is often smart, but when a purchase genuinely improves your everyday life, it can be worth making without guilt. Notable Quotes “The vast majority of all other purchases that have ever brought me happiness have been directly related to, like, going somewhere new, trying something new.” “We could go buy a new TV, new sound system and stuff like that… but it's like, that's a week with my family somewhere.” “Money only solves your money problems, but it's easier to solve the rest of your problems with some money in the bank.” Connect with Travis: Instagram: https://instagram.com/travischappell Other: https://travischappell.com A Word from Our Sponsors: - Go to Leesa.com for 25% OFF select mattresses (through August 23, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners Learn more about your ad choices. Visit megaphone.fm/adchoices

Why does the average dog now live 7 fewer years than one did in the 1970s? Holistic veterinarian Dr. Judy Morgan says the answer is sitting in the food bowl, and it's fixable. With 36 years in practice and a base in traditional Chinese veterinary medicine, Dr. Judy Morgan explains how food became the foundation of her work, why dry kibble fails dogs and cats, and the simple whole foods that add years of healthy life. This is a rare episode on how pet health and human health mirror each other. Meet our guest Dr. Judy Morgan (DVM, CVA, CVCP, CVFT) is an integrative veterinarian, acupuncturist, chiropractor, food therapist, and best-selling author with more than 40 years in animal health. Named IAOTP Holistic Veterinarian of the Decade for 2024, she runs Dr. Judy Morgan's Naturally Healthy Pets, helping pet parents worldwide heal with food and natural therapies instead of defaulting to chemicals and processed food. Thank you to our partners Outliyr Biohacker's Peak Performance Shop: get exclusive discounts on cutting-edge health, wellness, & performance gear Ultimate Health Optimization Deals: a database of of all the current best biohacking deals on technology, supplements, systems and more Latest Summits, Conferences, Masterclasses, and Health Optimization Events: join me at the top events around the world FREE Outliyr Nootropics Mini-Course: gain mental clarity, energy, motivation, and focus Key takeaways The average medium-sized dog's lifespan fell from 17 years to about 10, which Dr. Morgan considers reversible. Dry kibble is capped near 30% meat and can be 50 to 60% carbohydrates, which pets do not require. Roughly 40% of pet-food ingredients are upcycled byproducts, and unnamed "meat meal" can be any species. Pets test 10 to 25 times higher than their owners for cancer-linked household chemicals. Low phosphorus and high moisture matter far more than restricting protein in kidney disease. Cheap whole-food toppers like sardines, eggs, blueberries, and pumpkin make a real difference. Delaying spay or neuter protects joints, hormones, and longevity in large breeds.   Episode highlights 00:00 The dog healed by food, and the owners who lost 200 pounds 06:37 Why moisture matters more than the bag admits 26:53 What really goes into "meat meal" 32:29 Pets need zero carbohydrates 42:12 Lifespan 17 to 10, and why it's reversible 44:45 The cheap whole foods to add today 59:04 The spay and neuter timing rethink Links Watch it on YouTube: https://youtu.be/mU0sdbXCj3s  Full episode show notes: https://outliyr.com/273 Connect with Nick on social media Instagram Twitter (X) YouTube LinkedIn Easy ways to support Subscribe Leave an Apple Podcast review Suggest a guest Do you have questions, thoughts, or feedback for us? Let me know in the show notes above and one of us will get back to you! Be an Outliyr, Nick

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» HER:RECODED Guided Masterclass $147 presale - $97A self-guided process to redesign who you believe you are, shift the patterns keeping you in your current reality, and begin becoming the woman who lives the life you want.» Be Her Visualization Download» Crete, Greece retreat dates: September 13-19Shownotes//If you've been visualizing, journaling, and doing all the “right” manifestation practices but your reality still hasn't caught up, this episode is for you. Chiara unpacks five often-overlooked manifestation blocks that can quietly delay the very life you're trying to create—from pursuing someone else's dream to unconscious fears around worthiness, sacrifice, and trust. Through powerful self-inquiry questions, you'll learn how to identify what's really standing in the way so you can move forward with greater clarity, alignment, and momentum.In this episode you'll learn:* The five hidden manifestation blocks that may be delaying the reality you're trying to create.* How to distinguish between a goal born from true desire versus one driven by necessity or outside expectations.* Why worthiness, receiving, and unconscious beliefs about what you must “earn” can quietly sabotage your manifestations.* The importance of creating real-world coherence between your current actions and your future identity.* How fear of sacrifice—and a lack of trust in your future life—can become the invisible resistance preventing your next breakthrough. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit boldmusings.substack.com/subscribe

Iran & Oman Agree To Hormuz Shipping Route & Blame US For Delaying Final Agreement! Washington Still Objects To Any Arrangement That Gives Iran Control Over Passage Or Permits Tehran To Charge Transit Fees

Are millennials and other young adults putting off life's biggest milestones because everything from rent to groceries costs so much? J.R. shares his thoughts on the rising cost of living, reflects on finding purpose beyond money, celebrates a few quirky international holidays, and invites listeners to join the conversation.

Are you struggling to move your LNC (Legal Nurse Consulting) business forward because of procrastination, perfectionism, or just not knowing where to start? In this power session, Barbara Levin, experienced clinical scholar and past president of the American Association of Legal Nurse Consultants, is joined by her son Aaron Levin, a business strategist and technology leader, to tackle the mindset and practical barriers that keep legal nurse consultants from taking decisive action. Drawing from decades at the intersection of nursing, law, and entrepreneurship, they share personal anecdotes, actionable frameworks, and real-world strategies designed to help you overcome self-doubt and sidestep the traps of over-planning.  Together, Barbara Levin and Aaron Levin examine how fears of failure, success, and judgment are often the hidden culprits behind delays in business growth. They debunk myths about procrastination, clarify why unfinished work drains confidence, and highlight opportunities lost by waiting for "perfect" conditions. Their advice? Take small, imperfect actions consistently, celebrate the wins, and leverage networking, delegation, and systems to maintain business momentum.  This episode is more than a pep talk; it's filled with specific techniques like the START method to break inertia, tips for marketing and networking, and reminders that you don't need to be flawless to succeed. Whether you're new to legal nurse consulting or seeking to revitalize your established practice, you'll come away with renewed motivation and clear, concrete steps to start growing today.  What You'll Learn in This Episode on Stop Delaying Start Growing: Overcoming Procrastination and Perfectionism in Your LNC Business Here are 5 discussion questions answered in the podcast: Barbara Levin shared that procrastination is often rooted in emotion rather than laziness. How have emotions such as fear or perfectionism impacted your approach to new opportunities in your business or career? Aaron Levin introduced the MVP (Minimum Viable Product) concept from the product world. How might adopting an MVP mindset help you overcome delaying tactics in launching new business initiatives? The episode outlined common fears of fear of failure, fear of judgment, imposter syndrome, and analysis of paralysis. Which of these resonate most with you, and what strategies have you found effective in combating them? Barbara Levin discussed the high cost of waiting, emphasizing missed opportunities, and losing confidence. Can you recall a specific instance where a delay resulted in a lost opportunity in your professional life? Building attorney relationships and following up was highlighted as vital by Barbara Levin. What are some tactics you use or could use to ensure you stay top of mind with potential clients? Get the free transcripts and also learn about other ways to subscribe. Go to Legal Nurse Podcasts subscribe options by using this short link: http://LNC.tips/subscribepodcast. https://youtu.be/0ap1vXSX38s Your Presenter for Stop Delaying Start Growing: Overcoming Procrastination and Perfectionism in Your LNC Business Pat Iyer Pat Iyer is a seasoned legal nurse consultant and business coach, renowned for her expertise in guiding new legal nurse consultants to successfully break into the field. As the host of the Legal Nurse Podcast, Pat addresses critical challenges that legal nurse consultants face, such as difficulty in landing clients and a lack of response from attorneys. Through her insightful episodes, she emphasizes the importance of effectively communicating one's value to potential clients. With a wealth of experience, Pat has empowered countless consultants to overcome these hurdles and thrive in their careers. Connect with Pat Iyer by email at patiyer@legalnusebusiness.com Barbara Levin Barbara Levin, BSN RN ONC CMSRN LNCC FNAON, is an experienced legal nurse consultant, educator, and nationally recognized speaker. She has helped legal nurse consultants strengthen their businesses through practical strategies, thoughtful coaching, and real-world experience. As a past president of the American Association of Legal Nurse Consultants, Barbara has a gift for helping nurses recognize barriers to success and offering workable solutions they can begin using immediately. Connect with Barbara Levin by email at barbara@barbarajlevin.com

Sometimes retirement planning is not about optimization. It is about rebuilding.In this episode, Ari Taublieb, CFP®, responds to a voicemail from a 52 year old widow whose life changed overnight. The plan she once built with her spouse no longer applies, but the desire to retire early and live intentionally is still there.On paper, she is in a strong position. Over $2.5 million saved across retirement accounts, no debt, a paid off home, and relatively low spending. The question is not whether she can retire. It is how to navigate the years before 59 and a half, when most of her money is not easily accessible.Ari walks through the real constraint. It is not total wealth. It is flexibility. With limited funds in a brokerage account, generating income in the early years requires careful coordination. That could mean drawing from taxable assets, adjusting spending, or continuing part-time work not out of necessity, but as a bridge that preserves long-term growth.But the deeper conversation goes beyond numbers.After a loss like this, the goal is not to build the most efficient plan possible. It is to build a life that feels meaningful again. Travel. Volunteering. Creating structure and purpose. The financial plan exists to support that, not replace it.There is also a quiet risk that shows up in moments like this. Playing it too safe. Delaying experiences out of fear of running out later, only to realize those early years were the ones that mattered most.The takeaway is simple. A good plan adapts when life changes. A great plan makes space for what matters now, not just what might matter decades from now.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

What does a millionaire actually look like? In this episode, Travis and producer Eric react to a viral clip from financial educator Tori Dunlap (Her First $100K) about why most people misunderstand wealth. Their conversation dives into the difference between appearing wealthy and actually building wealth, why so many people fall into lifestyle inflation, and the financial habits Travis has observed after interviewing more than a thousand successful entrepreneurs. On this episode we talk about: Why most millionaires don't drive luxury cars or live extravagant lifestyles. The hidden dangers of lifestyle inflation and buying things to impress other people. Why lenders, dealerships, and financial institutions encourage consumers to spend more than they should. How investing excess income instead of upgrading your lifestyle creates long-term financial freedom. The importance of maintaining financial flexibility so you can pursue new opportunities without being trapped by monthly expenses. Top 3 Takeaways Building wealth is more about keeping and investing your money than spending it to create the appearance of success. Just because you qualify for a loan or payment doesn't mean it's financially wise—buy well below your maximum budget whenever possible. Delaying lifestyle upgrades creates flexibility, reduces stress, and gives you the freedom to change careers, start businesses, or invest in future opportunities. Notable Quotes "The people who have the most money are the people who keep their money and use it for things that make them more money." "You have to take control of your finances." "Money only solves your money problems, but it's easier to solve the rest of your problems with money in the bank." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell/ Instagram: https://www.instagram.com/travischappell/ Other: https://travischappell.com A Word from Our Sponsors: - Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplies last.  - Go to Leesa.com for 25% OFF select mattresses (through August 23, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  Learn more about your ad choices. Visit megaphone.fm/adchoices

In earlier installments, we saw that one may not delay using the restroom when he needs to perform his bodily functions, and delaying transgresses the prohibition of "Ve'lo Teshakesu Et Nafshotechem" – "You shall not make yourselves repulsive" (Vayikra 20:25). A number of Poskim cite a work entitled Shulhan Shelomo as applying this rule also to nasal secretions, which is a form of bodily waste that needs to be discharged. Delaying the expelling of these secretions from the nose – like delaying the expelling of bodily waste – qualifies as "repulsive" and is thus forbidden. Rav Yisrael Bitan explains that the Shulhan Shelomo follows consistently with his ruling elsewhere that one is required to wash his hands after touching nasal secretions. The Shulhan Shelomo equated nasal secretions with other bodily waste, and so he felt that one must wash his hands after coming in contact with such secretions, and that one may not delay expelling them from the nose. The consensus among the Poskim, however, does not require hand-washing after touching nasal secretions. (Needless to say, this is recommended as a matter of basic hygiene, but it is not a Halachic requirement.) By the same token, there is no prohibition against delaying cleaning one's nose. Rav Efrayim Greenblatt (Memphis, 1932-2014), in his Ribebot Efrayim, brings a source for the position of the Shulhan Shelomo – a passage in the work Yesod Ve'shoresh Ha'aboda (by Rav Alexander Ziskind of Grodno, d. 1794), where the author describes how he would always clean his nose immediately when he needed to. He writes that he deemed it disrespectful to stand before the Almighty with filth, and so even when he was involved in some important activity, he would right away clean his nose as soon as this became necessary. However, Rav Bitan noted that this practice was perhaps followed as a measure of special piety, and this passage in the Yesod Ha'shoresh Ha'aboda was not necessarily intended as a halachic ruling. Moreover, it seems likely that the author referred to situations where the nasal secretions already became visible outside the nose, in which case it is certainly appropriate to clean the nose immediately. This does not necessarily indicate that one must always ensure the inside of his nose is clear of nasal discharge. Regardless, the Poskim write that one should preferably blow his nose before beginning to pray, as a buildup of nasal secretions could compromise one's ability to concentrate on his prayer. (As an aside, Rav Bitan writes that some people had the practice of ensuring not to clean the nose with the right hand, but this is unnecessary.) Gas in the body is not considered bodily waste with respect to the prohibition against delaying expelling waste from the body. Therefore, one who needs to pass air is permitted to restrain himself when he is public, and of course this is the proper thing to do to avoid embarrassment and in order not to cause distress to other people. Moreover, one is required to restrain himself from passing air when wearing Tefillin, as passing air while wearing Tefillin infringes upon the sanctity of Tefillin. If a person cannot restrain himself from passing air until he removes his Tefillin, he should at very least move the Tefillin Shel Rosh out of place. Summary: Halacha does not treat nasal secretions as bodily waste. As such, one is not required to wash his hands after touching such secretions (though of course this is recommended as a matter of hygiene), and there is no prohibition against delaying cleaning one's nose like there is against delaying using the restroom. Nevertheless, it is proper to clean one's nose before beginning to pray to help ensure he can remain focused on the prayer.

This sermon is preached by Pastor Bogdan Kipko, Senior and Founding Pastor of Forward Church. We hope you are encouraged by the message from God's Word, and we are thrilled to help you find hope in Jesus.For more information about Forward Church, please visit: www.forward.fmTo listen to all audio messages from Forward Church, please visit: www.forwardchurchpodcast.comTo support Forward Church financially, please visit: https://bit.ly/fwdchurchFollow Pastor Kipko on Instagram: www.instagram.com/kipkoWatch all sermons from Forward Church on YouTube: https://www.youtube.com/@kipkoTo get in touch with Forward Church or to request Pastor Bogdan Kipko to speak at your church or event, please send an email to: admin@forward.fm If you are visiting Southern California, we would love to have you come and enjoy the Sunday Service at Forward Church! 

God warns the Delaying today's responsibilities eventually produces tomorrow's disasters. Every believer must learn to replace procrastination with prompt obedience. Proverbs warns us that the danger of slothfulness isn't just that we waste a day; it is that we can gradually waste a life. Join us as we Stop Hitting Snooze on Life.

God warns the Delaying today's responsibilities eventually produces tomorrow's disasters. Every believer must learn to replace procrastination with prompt obedience. Proverbs warns us that the danger of slothfulness isn't just that we waste a day; it is that we can gradually waste a life. Join us as we Stop Hitting Snooze on Life.

God warns the Delaying today's responsibilities eventually produces tomorrow's disasters. Every believer must learn to replace procrastination with prompt obedience. Proverbs warns us that the danger of slothfulness isn't just that we waste a day; it is that we can gradually waste a life. Join us as we Stop Hitting Snooze on Life.

In this episode, I reflect on five things I did around five years ago that are paying off in a big way now — from scrappy investing beginnings to mindset shifts that changed everything. It's a reminder that small, imperfect actions compound over time in ways you simply can't see when you're in the thick of it. Key takeaways: Starting to invest with just $5 a week can grow into something significant — consistency beats waiting for the "perfect" moment Paying off debt isn't just about clearing a balance; it builds the behavioural habits that fund every financial goal that comes after Delaying a lifestyle upgrade by even one or two years can mean making the move from a far stronger financial foundation Staying in a "comfortable" job can be just as costly as staying in a bad one Letting go of a victim mindset around money (like "I just got unlucky") is what opens the door to actually changing your situation The hardest part of any financial goal is the early stages — but looking back is one of the best tools for staying motivated to keep going. See omnystudio.com/listener for privacy information.

Nick Wilson and Jonathan Peterlin analyze the delay in LeBron James' free agency announcement and rumors of a revenge tour against Commissioner Adam Silver. Afternoon Drive also covers the return of Jose Ramirez to the Guardians and the controversy surrounding ESPN's massive layoffs.

Summary Have you ever felt distant from your spouse, like you're simply coexisting in the same house or experiencing dryness in your marriage? Every marriage goes through natural cycles of romance and disillusionment, but without intentional actions, indifference can creep in. How do you break out of that indifference and reconnect? In this re-release of Episode 089, we give simple and practical advice for couples to escape indifference and rebuild a happy, healthy marriage. Key Takeaways Love is a decision, not a feeling. When we recommit ourselves to our relationship things can start to improve. "In losing your life, you will save it" - Give yourself away.  You can't control your spouse, but you can take action and start to love unconditionally. Pursue your spouse through affirmation, physical love, and by praying for them.  Do it now - immediately.  Delaying only makes things worse.  The sooner you can reorient yourselves towards each other, the easier it wll be.     Couple Discussion Questions How much quality time do we actually spend together each week? Do we talk mostly about logistics, or do we share our hearts? What types of affection make each of us feel most connected? What would be a simple way to start praying together more consistently?   Resources MFP Episode 015: Five Love Languages MFP Episode 054: Vulnerability in Marriage MFP Blog: Disillusionment: What to do and how to fight it https://messyfamilyproject.org/blog/disillusionment-what-to-do-and-how-to-fight-it/   MFP Resource: Communication in Marriage https://messyfamilyproject.org/guide/communication/  

1036. Is Social Security in trouble, or is it just a lot of political noise? Laura answers a listener's question about what the changes to the retirement fund mean for your financial future. You'll learn the new tax caps that employees and the self-employed must pay and how to protect your retirement safety net.Key takeawaysAccording to the latest 2026 Trustees Report, the Social Security retirement fund is now projected to face a shortfall by 2032, sooner than previous estimates.The Social Security wage base has increased to $184,500 for 2026. High earners will pay a maximum of $11,439 as employees, while the self-employed face a maximum cap of $22,878.Retirement benefits for Social Security participants are based on your highest 35 years of earnings.While you can claim benefits as early as age 62, doing so permanently reduces your benefits by about 30%. Delaying benefits past your Full Retirement Age (FRA) pays 8% more per year until age 70.Social Security benefits may be taxable if your "combined income" (AGI + tax-exempt interest + 50% of benefits) exceeds modest thresholds.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

In this lesson from the Gate of Repentance (Shaar HaTeshuvah), Rabbi Aryeh Wolbe continues discussing the third protective fence of teshuvah: developing self-control by moderating physical pleasures. The Orchot Tzaddikim teaches that holiness is not achieved through deprivation, but through balance and restraint. Rabbi Wolbe explains that Judaism does not advocate excessive fasting or denying ourselves life's legitimate pleasures. Rather, it encourages us to enjoy Hashem's blessings responsibly while resisting the urge to indulge every desire. Whether it is food, drink, comfort, or entertainment, learning to leave "a little on the table" strengthens our ability to control ourselves when faced with greater spiritual challenges. A central theme of the episode is that the Yetzer Hara rarely begins with outright sin. Instead, it first encourages a person to overindulge in what is completely permissible, gradually weakening self-discipline until forbidden behavior no longer feels so distant. Rabbi Wolbe illustrates this principle through contemporary examples of overeating, unhealthy lifestyles, internet temptations, and financial dishonesty. The evil inclination succeeds incrementally, never demanding major wrongdoing at first, but slowly blurring the line between moderation and excess. The antidote is cultivating restraint in the areas that are permitted, because a person who can master legitimate desires is far better equipped to resist prohibited ones. The lesson concludes with a practical exercise in building the muscle of self-control. Rabbi Wolbe recalls his grandfather's advice to overcome one's impulses several times each day—even in completely permissible matters. Delaying a sip of tea, taking one less bite of dessert, or resisting the urge to react immediately helps train the soul to remain in control rather than being controlled by impulse. This discipline extends far beyond eating; it strengthens a person's ability to control anger, desire, speech, and every other area of life. Rabbi Wolbe beautifully concludes by reminding listeners that Torah is unlike any material possession: when we share Torah, nothing is lost. Like one candle lighting another, the light only multiplies. Our mission is not merely to acquire Torah, but to illuminate the world by sharing it with others. _____________This Podcast Series is Generously Underwritten by Peter & Becky BotvinRecorded at TORCH Centre in the Levin Family Studios (B) to a live audience on November 24, 2025, in Houston, Texas.Released as Podcast on July 17, 2026_____________This series on Orchos Tzadikim/Ways of the Righteous is produced in partnership with Hachzek.Join the revolution of daily Mussar study at hachzek.com.We are using the Treasure of Life edition of the Orchos Tzadikkim (Published by Feldheim)_____________Listen, Subscribe & Share: Apple Podcasts: https://podcasts.apple.com/us/podcast/jewish-inspiration-podcast-rabbi-aryeh-wolbe/id1476610783Spotify: https://open.spotify.com/show/4r0KfjMzmCNQbiNaZBCSU7) to stay inspired! Share your questions at aw@torchweb.org or visit torchweb.org for more Torah content.  _____________About the Host:Rabbi Aryeh Wolbe, Director of TORCH in Houston, brings decades of Torah scholarship to guide listeners in applying Jewish wisdom to daily life.  To directly send your questions, comments, and feedback, please email: awolbe@torchweb.org_____________Support Our Mission:Our Mission is Connecting Jews & Judaism. Help us spread Judaism globally by sponsoring an episode at torchweb.org.Your support makes a HUGE difference!_____________Listen MoreOther podcasts by Rabbi Aryeh Wolbe: NEW!! Hey Rabbi! Podcast: https://heyrabbi.transistor.fm/episodesPrayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at http://podcast.torchweb.orgv_____________Keywords:#JewishInspiration, #Mussar, #MasterClass, #Repentance, #Teshuva ★ Support this podcast ★

In this lesson from the Gate of Repentance (Shaar HaTeshuvah), Rabbi Aryeh Wolbe continues discussing the third protective fence of teshuvah: developing self-control by moderating physical pleasures. The Orchot Tzaddikim teaches that holiness is not achieved through deprivation, but through balance and restraint. Rabbi Wolbe explains that Judaism does not advocate excessive fasting or denying ourselves life's legitimate pleasures. Rather, it encourages us to enjoy Hashem's blessings responsibly while resisting the urge to indulge every desire. Whether it is food, drink, comfort, or entertainment, learning to leave "a little on the table" strengthens our ability to control ourselves when faced with greater spiritual challenges. A central theme of the episode is that the Yetzer Hara rarely begins with outright sin. Instead, it first encourages a person to overindulge in what is completely permissible, gradually weakening self-discipline until forbidden behavior no longer feels so distant. Rabbi Wolbe illustrates this principle through contemporary examples of overeating, unhealthy lifestyles, internet temptations, and financial dishonesty. The evil inclination succeeds incrementally, never demanding major wrongdoing at first, but slowly blurring the line between moderation and excess. The antidote is cultivating restraint in the areas that are permitted, because a person who can master legitimate desires is far better equipped to resist prohibited ones. The lesson concludes with a practical exercise in building the muscle of self-control. Rabbi Wolbe recalls his grandfather's advice to overcome one's impulses several times each day—even in completely permissible matters. Delaying a sip of tea, taking one less bite of dessert, or resisting the urge to react immediately helps train the soul to remain in control rather than being controlled by impulse. This discipline extends far beyond eating; it strengthens a person's ability to control anger, desire, speech, and every other area of life. Rabbi Wolbe beautifully concludes by reminding listeners that Torah is unlike any material possession: when we share Torah, nothing is lost. Like one candle lighting another, the light only multiplies. Our mission is not merely to acquire Torah, but to illuminate the world by sharing it with others._____________This Podcast Series is Generously Underwritten by Peter & Becky BotvinRecorded at TORCH Centre in the Levin Family Studios (B) to a live audience on December 1, 2025, in Houston, Texas.Released as Podcast on July 17, 2026_____________This series on Orchos Tzadikim/Ways of the Righteous is produced in partnership with Hachzek.Join the revolution of daily Mussar study at hachzek.com.We are using the Treasure of Life edition of the Orchos Tzadikkim (Published by Feldheim)_____________Listen, Subscribe & Share: Apple Podcasts: https://podcasts.apple.com/us/podcast/jewish-inspiration-podcast-rabbi-aryeh-wolbe/id1476610783Spotify: https://open.spotify.com/show/4r0KfjMzmCNQbiNaZBCSU7) to stay inspired! Share your questions at aw@torchweb.org or visit torchweb.org for more Torah content.  _____________About the Host:Rabbi Aryeh Wolbe, Director of TORCH in Houston, brings decades of Torah scholarship to guide listeners in applying Jewish wisdom to daily life.  To directly send your questions, comments, and feedback, please email: awolbe@torchweb.org_____________Support Our Mission:Our Mission is Connecting Jews & Judaism. Help us spread Judaism globally by sponsoring an episode at torchweb.org.Your support makes a HUGE difference!_____________Listen MoreOther podcasts by Rabbi Aryeh Wolbe: NEW!! Hey Rabbi! Podcast: https://heyrabbi.transistor.fm/episodesPrayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at http://podcast.torchweb.orgv_____________Keywords:#JewishInspiration, #Mussar, #MasterClass, #Repentance, #Teshuva ★ Support this podcast ★

Unfortunately, many laws to reduce public harm gather dust after drafting, delayed for years before being finally tabled for debate by elected representatives.With only 14 bills enacted in the first year of this Government, such a low legislative output impacts on public health protection.Delays in enacting legislation have real-world consequences as a known hazard continues unchecked, damaging people's lives and consuming precious health resources, so writes Dr Suzanne Crowe, Consultant in Paediatric Intensive Care, in the Irish Independent.She joins Ciara to discuss.

Too busy to read the Lens? Listen to our weekly summary here! In this week's episode, we discuss:Long-term, repeated intravitreal anti-VEGF injections were associated with a significantly increased risk of cataract surgery in the treated eye, with risk increasing in a dose-dependent manner.Prespecified OCT interpretation rules, particularly assessment of the TSNIT curve, accurately distinguished glaucomatous damage from myopic structural changes with high sensitivity and specificity.Delaying the initial retinopathy of prematurity screening examination until 34 weeks postmenstrual age in selected medium-risk infants safely reduced unnecessary examinations without missing treatment-requiring ROP.Subretinal AAV8-mediated PD-L1 gene therapy reduced retinal inflammation and preserved retinal structure and function in a rat model of autoimmune uveitis, suggesting a potential future immune-modulating treatment strategy.

Leadership success is usually measured through revenue, market share, promotions, productivity and team performance. Those indicators matter, but they do not tell us whether a leader is succeeding in life. A leader can deliver excellent corporate results while gradually damaging their marriage, weakening their relationship with their children, neglecting their health, mishandling their finances and losing touch with their friends. That is not genuine success. It is professional achievement purchased at an unnecessarily high personal price. This risk is especially relevant in Japan, where long working hours, loyalty to the organisation and the demands placed on player-managers can make work the dominant force in a leader's life. The Wheel of Life provides a useful way to examine whether leaders are achieving balanced and sustainable success. Why do Japanese leaders struggle with work-life balance? Many Japanese leaders still operate within a deeply established culture that rewards commitment, endurance and long working hours. Even when official working practices change, the expectation of total dedication can remain. Japan's post-war economic recovery was driven partly by extraordinary levels of personal sacrifice. During the rapid-growth era, many fathers spent most of their waking hours working, commuting or socialising with colleagues. Mothers frequently carried most of the responsibility for raising children and managing the household. Conditions have changed. Most schools and companies no longer operate every Saturday, dual-income households are increasingly common and younger employees often expect more control over their personal lives. However, the old attitudes have not completely disappeared. Middle-management positions have been reduced in many organisations, technology has transferred administrative work back to managers and leaders are often expected to manage teams while delivering their own individual results. These player-managers may supervise people, handle clients, prepare reports and complete routine administration themselves. Do now: Examine whether your working hours reflect genuine strategic necessity or simply an inherited organisational habit. What is the Wheel of Life for leaders? The Wheel of Life is a self-assessment tool that helps leaders evaluate several important areas of life rather than judging success through career achievement alone. The tool is normally presented as a circle divided into categories. The centre represents a score of zero and the outer edge represents ten. Leaders score their level of satisfaction in areas such as career, finances, family, health, friendships, community, personal interests and spirituality or personal meaning. When the points are connected, the resulting shape shows whether life is relatively balanced or heavily distorted. A leader may score nine in career but only three in health, two in family relationships and one in social life. That person may look successful in the office while experiencing a personal life that is increasingly difficult to sustain. The objective is not to achieve a perfect ten in every category. That is unrealistic. The purpose is to identify serious imbalances before they become crises. Do now: Score each area honestly from zero to ten and identify the two categories that require your immediate attention. Can career success damage a leader's family life? Yes. When work consistently receives the leader's best time, energy and attention, the family may be left with whatever is remaining. Over time, this can create distance, resentment and damaged relationships. Many leaders say they are working hard for their families. The intention may be genuine, but the outcome does not always match the explanation. A leader may provide financial security while rarely being emotionally or physically available. For male leaders in Japan, the traditional model of the absent salaryman father can still influence behaviour. He leaves early, returns late and assumes that providing income is his main family responsibility. However, spouses and children may need time, conversation, support and shared experiences more than another late-night meeting or client dinner. As more women develop independent careers and incomes, they may also be less willing to tolerate relationships in which responsibility and emotional connection are consistently one-sided. Working for the family while gradually losing the family does not make sense. Do now: Schedule protected family time with the same seriousness you apply to an executive meeting or major client appointment. Why should leaders take more responsibility for their finances? High income does not automatically create long-term financial security. Leaders still need to manage savings, investment, retirement planning, insurance and household risk. Many people in Japan have traditionally held a large proportion of their wealth in bank deposits. During long periods of deflation and low inflation, holding cash appeared relatively safe. In a more inflationary environment, however, cash can gradually lose purchasing power. Busy leaders often delay financial planning because it does not feel urgent. Retirement seems distant, investment appears complicated and the company pension may seem sufficient. The problem is that financial preparation benefits enormously from time. Delaying ten or twenty years can make the eventual task considerably harder. Japan's ageing population also places continuing pressure on public pension and social security systems. Leaders should not assume that future government benefits alone will provide the lifestyle they expect. This does not mean making reckless investments. It means becoming financially literate, seeking qualified advice where appropriate and preparing rather than hoping. Do now: Review your savings, investments, retirement plan, insurance and household obligations at least once each year. Why do busy leaders lose their friends? Friendships weaken when leaders repeatedly sacrifice social relationships to work. Connection requires time, effort and genuine interest, not occasional promises to catch up later. Social life is often one of the first casualties of overtime. Leaders postpone dinners, cancel weekend plans and stop calling people because the next deadline always seems more important. Remote and hybrid work have also blurred the boundary between professional and personal life. Without a physical commute to mark the end of the day, some leaders continue responding to emails, checking reports and attending online meetings well into the evening. Corporate entertaining should not be confused with friendship. Taking reluctant junior staff out for drinks or attending obligatory client functions may fill the calendar, but it does not necessarily create meaningful social support. Strong relationships are a form of wealth. Friends provide perspective, humour, honesty and support that cannot be replaced by job titles or business contacts. Do now: Contact one person you value but have neglected and arrange a specific time to meet rather than saying, "We should catch up sometime." Why do leaders need interests outside work? Hobbies and personal interests protect leaders from allowing their job to become their entire identity. They provide creativity, renewal and a sense of progress that is independent of corporate performance. Some leaders view personal interests as indulgent or unproductive. They believe every available hour should be used to advance the business. That approach may produce short-term output, but it can also make life increasingly narrow. Personal pursuits can include music, writing, painting, gardening, travel, sport, reading, cooking or learning a language. The activity does not need to generate income, improve a résumé or create a new business opportunity. For me, writing and recording articles on Saturdays can look like another form of work. In practice, writing also serves as a creative outlet. I cannot play a musical instrument, paint or draw particularly well, so writing gives me a way to create something and explore ideas beyond operational business tasks. Leaders need something they enjoy simply because it makes life richer. Do now: Protect regular time for one activity that has no connection to your targets, clients or corporate status. Why is health a leadership responsibility? Health is not separate from leadership performance. Energy, concentration, emotional control and decision-making all become harder when leaders neglect exercise, sleep, nutrition and medical care. Leaders often say they are too busy to exercise, but many of the same people can find time for long client dinners, alcohol and late-night work. The issue is usually not a complete absence of time. It is the priority assigned to health. Weight gain can happen gradually through business meals, entertaining and inactivity. I experienced this myself while working in Nagoya. After attending a work-related geisha party, someone gave me a commemorative photograph. The side-profile image revealed how much weight I had gained. It was an uncomfortable but useful moment of recognition. Losing weight and improving fitness require sustained lifestyle changes, not a few weeks of enthusiasm with a personal trainer. Leaders need systems they can maintain, including realistic exercise routines, better food choices and limits around alcohol. Do now: Choose one measurable health behaviour to improve for the next ninety days and track it consistently. Why should leaders contribute to their communities? Community involvement helps leaders develop perspective, strengthen relationships and contribute beyond the boundaries of their company. It also prevents professional status from becoming their only source of identity. Japan has a strong tradition of community responsibility shaped by cooperation, shared spaces and collective expectations. This could be seen during the pandemic, when many people voluntarily changed their behaviour to reduce risk to others. However, senior leaders can become disconnected from the communities around them. Work absorbs their attention and they spend most of their time with colleagues, clients and people from similar professional backgrounds. Communities need people who can organise, mentor, listen and solve problems. Leaders have useful experience that can support schools, local groups, professional associations, charities and younger generations. Community activity also benefits the leader. It exposes them to different experiences and reminds them that the world is larger than the company's latest spreadsheet, quarterly target or restructuring plan. Do now: Select one community, educational or professional group where your experience could make a practical contribution. What role does reflection or spirituality play in leadership? Leaders need time to consider who they are, what they value and what they intend to do with their lives. Without reflection, they may become highly efficient at pursuing goals they have never consciously chosen. Spirituality is deeply personal and does not need to refer to a particular religion. It can involve faith, philosophy, meditation, service, nature or simply quiet reflection. The underlying questions are universal. Why am I here? What kind of person am I becoming? What will matter when my career is over? What impact am I having on other people? Busy leaders often avoid these questions because financial reports, customer issues and operational problems feel more immediate. Yet a life filled only with targets, meetings and performance reviews can eventually feel empty, regardless of professional success. Reflection helps leaders reconnect daily actions with personal values. It can also expose uncomfortable contradictions between what they say matters and where they actually spend their time. Do now: Create a regular period without screens, meetings or work and use it to reflect on how you are investing your life. Conclusion Leaders have many roles. They are executives, managers, parents, spouses, friends, community members and individuals with physical, emotional and financial needs. Work is one important part of life, but it is not the whole of life. The Wheel of Life is useful because it reveals where professional ambition has created unhealthy imbalance. A leader who produces revenue while losing their family, health, friendships and financial security should not automatically be considered successful. Sustainable leadership means producing strong organisational outcomes without destroying the other areas that give life meaning. As a friend of mine says, "Time is life." The real question for every leader is simple: what are you doing with yours? Author Bio Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" in 2018 and 2021 and recipient of the Griffith University Business School Outstanding Alumnus Award in 2012. As a Dale Carnegie Master Trainer, Greg is certified to deliver leadership, communication, sales and presentation programmes globally, including Leadership Training for Results. He has written several books, including three bestsellers — Japan Business Mastery, Japan Sales Mastery and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have been translated into Japanese, including Za Eigyō（ザ営業）, Purezen no Tatsujin（プレゼンの達人）, Torēningu de Okane o Muda ni Suru no wa Yamemashō（トレーニングでお金を無駄にするのはやめましょう）and Gendaiban "Hito o Ugokasu" Rīdā（現代版「人を動かす」リーダー）. Greg also publishes daily business insights on LinkedIn, Facebook and X and hosts six weekly podcasts. On YouTube, he produces The Cutting Edge Japan Business Show, Japan Business Mastery and Japan's Top Business Interviews, which are widely followed by executives seeking practical strategies for succeeding in Japan.

Angela discusses five major blunders retirees and pre-retirees often make. She emphasizes the importance of planning for retirement beyond just finances, including having a purpose and managing taxes and social security. Key Takeaways

This week on Facing the Future, Veronique de Rugy and Jason Fichtner explain why Social Security reform is not only a retirement policy imperative but also a fiscal and market-stability imperative. They are the co-authors of a George Mason University Mercatus Center paper titled, "Social Security's Fiscal Gap and the Risk of Bond Market Strain."

https://teachhoops.com/ Every single coach in the country is sitting on one. One conversion they know they absolutely need to have, but continue to push off. A player who needs a heavy dose of the truth regarding their body language. An assistant coach who is quietly slipping below the program's operational standard. A parent whose unrealistic expectations need an immediate, firm boundary reset. A team leader who has quietly drifted away from the collective vision. And yet, the conversation waits. Tomorrow becomes next week, next week becomes next month, and a minor operational leak slowly turns into an unmanageable crisis. In this episode, we step directly into the "Truth Room" to confront the psychology of delayed candor. We pull back the curtain on why coaches avoid these high-friction moments. It isn't a communication problem; it is a fear problem. We unpack how hiding from discomfort under the guise of "protecting the relationship" is actually an act of self-preservation that destroys your culture. Discover how to balance personal care with direct challenge, and learn why unspoken truth quietly becomes accepted behavior inside a level 4 championship program. True, transformational program building requires a leader to navigate the tight space between supporting an individual and demanding adherence to the program's unyielding Standard of Tolerance. The Fallout: When you prioritize an athlete's short-term comfort or fear their defensive reaction, you choose silence. This passive avoidance creates a massive cultural drift. Your silence actively teaches the rest of the roster that your stated standard is flexible when the confrontation becomes uncomfortable. The Execution: The absolute best coaches do not look at a difficult conversation as an act of criticism; they view it as an investment of Trust Capital and an act of absolute belief. If you challenge an assistant or a player through the exhaust, it is because you care too much about their long-term growth to let them settle for mediocrity. When you step into the room to address a boundary line that has been crossed, bypass emotional lectures and utilize this high-signal, socratic framework to maintain absolute control of the environment: Step 1: State the Objective Observation ───► "I see this specific behavior occurring on the floor..." Step 2: Define the Functional Impact ───► "It is actively hurting your development and stalling our team's Next Play Speed..." Step 3: Mandate the Explicit Correction ───► "This is the exact structural adjustment that needs to change immediately..." Step 4: Reaffirm Unshakable Belief ───► "I am holding you to this line because I know you are capable of leading this program." Coach's Note: "Delayed candor always increases the cost. Every single day you choose to look the other way because a conversation feels too heavy or uncomfortable, you are actively training your gym to accept a lower standard. Stop letting fear manage your program's ceiling. Step up, look them in the eye, care personally, but challenge directly. Speak the truth through the exhaust, and let your culture carry the weight." Title Ideas: Are You Delaying the Conversation Your Basketball Team Needs Most? Why Avoiding Hard Conversations is Silently Destroying Your Culture How Elite Basketball Coaches Deliver Honest Feedback Without Losing the Team The Hidden Danger of Delayed Candor in a Basketball Program Primary Keywords: Handling difficult conversations in basketball, building a basketball program culture, TeachHoops, Coach Collins, basketball coaching staff communication, standard of tolerance, coach-player accountability workflows. Secondary Keywords: Next play speed resilience, own the room coaching language, active density practice scripts, Types of Coaches (3).pdf, effective field goal percentage focus, decision IQ constraints, socratic coaching method, player-led team autonomy. Description Snippet: "Are you holding back from having a difficult, honest conversation with a shifting player, a passive assistant, or an overreaching parent? In this podcast episode, Coach Collins breaks down why avoiding tough feedback is a fear problem, not a communication problem. Discover how unspoken truth quickly becomes accepted behavior inside a gym, and learn a simple 4-step candor framework to challenge your roster directly while building unshakeable trust capital." Suggested Tags:#BasketballCoaching #TeachHoops #CoachCollins #CoachingPhilosophy #LeadershipTips #TeamCulture #SportsLeadership #HighSchoolBasketball #CoachingCommunication Are you preparing to have this critical candor conversation with a key varsity player whose poor body language has been creating an environmental leak during your July tournament workouts, or are you looking to realign your assistant coaching staff before your official pre-season onboarding schedule begins this fall? Show NotesThe Leadership Balance: Care vs. Candor [HIGH CHALLENGE] │ │ Championship Standard Harsh & Abrasive │ (Care Personally + (Truth Without │ Challenge Directly) Care) │ │ ───────────────────────┼─────────────────────── [HIGH CARE] │ Passive Avoidance │ Weak Compliance (The Fear Trap) │ (Care Without │ Truth) │ 1. The Danger of Care Without Truth (The Compliance Leak)2. The Power of Truth Delivered with Care (The Championship Standard)The 4-Step Candor FrameworkThe Candor Audit: Delayed Fear vs. Immediate StandardLeadership VariableThe Delayed Fear Trap (Level 2 Leak)The Immediate Candor Standard (Level 4)Primary MotivationProtecting yourself from temporary relational discomfortProtecting the long-term integrity of the program's brandCultural ResultUnspoken truth quietly becomes accepted behaviorAccountability forces a rapid Next Play Speed resetStaff AlignmentAllowing an assistant's low edge to slide; passive frictionAddressing slipping metrics early to maintain a unified staffLocker Room VibeCoach-Fed frustration; athletes sensing a double standardPlayer-Led clarity; the roster knows exactly where it standsYouTube SEO Strategy Learn more about your ad choices. Visit podcastchoices.com/adchoices

Howie Kurtz on the sudden passing of Senator Lindsey Graham and the conspiracy theories surrounding his death, a federal judge's rejection of a multi-billion dollar fund for January 6th convicts, and a multi-state lawsuit aiming to block Paramount's acquisition of Warner Bros. Discovery. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jonathan Peterlin and Nick Wilson analyze the lingering uncertainty surrounding LeBron James' free agency and whether he is intentionally extending the process to maintain his spotlight. They also evaluate recent comments from Kenny Atkinson regarding the Cavaliers' pursuit of greatness and discuss the logistics of James' upcoming live podcast recordings. 01:00 - LeBron's Final Career Chapter 08:00 - NBA Executives Chase LeBron 10:27 - James' Live Media Schedule

In this episode of 'Retire with Style', Alex Murguia and Wade Pfau dive into tax planning strategies, focusing on Roth conversions, effective marginal tax rates, and withdrawal strategies for retirement. They discuss the implications of current tax rates, the importance of blending techniques in tax planning, and the necessity of tax diversification for a successful retirement. The conversation is driven by listener questions, providing practical insights for navigating complex tax scenarios in retirement. The conversation dives into various aspects of retirement planning, focusing on Roth IRAs, Health Savings Accounts (HSAs), and annuities. They discuss the rules surrounding Roth IRAs, particularly the five-year requirement for qualified distributions. The conversation shifts to HSAs, highlighting their tax benefits and strategies for spending versus saving. Finally, they explore the complexities of managing annuities in relation to Required Minimum Distributions (RMDs), emphasizing the importance of understanding contract values and the implications of delaying income streams from annuities. Listen to now to learn more!    Takeaways  Roth conversions can be beneficial for legacy planning. You need to work through the math of conversions. Tax rates are at a historical low right now. Blending techniques can optimize your tax strategy. You can't just solve it mathematically. It's complicated; we need better software. What's my tax rate today versus in the future? Forty percent might be reasonable for Roth conversions. You want to always be blending your distributions. Tax diversification is crucial for retirement planning. You need to have had a Roth IRA open for at least five years. Inheriting HSAs can lead to tax implications for beneficiaries. HSAs provide tax-free distributions for qualified medical expenses. It's important to keep receipts for HSA distributions. Using HSAs strategically can aid in tax planning during retirement. RMDs must be taken from both IRAs and annuities. Delaying income from annuities may not be the best strategy. Spending down annuity contract value can maximize benefits. Understanding contract value is crucial for annuity holders. RMDs from annuities can be complex and require careful planning. Chapters 00:00 Introduction and World Cup Banter 01:49 Tax Planning Questions Begin 02:29 Roth Conversions and Tax Brackets 07:18 Analyzing Effective Marginal Tax Rates 11:23 Historical Tax Rates and Future Predictions 13:39 Withdrawal Strategies for Retirement 15:08 Blending Techniques in Tax Planning 21:08 The Importance of Tax Diversification 21:54 Understanding Roth IRA Rules 23:20 Navigating Health Savings Accounts (HSAs) 27:14 Tax Benefits of HSAs Explained 29:52 Strategies for Managing Annuities and RMDs   Links

In Episode 211 of the SLI Online Esthetician School Podcast, Stephanie Laynes shares her perspective on one of the most common questions asked by beauty professionals: Do you need a supportive partner or a supportive family to become a successful esthetician and entrepreneur? Stephanie's answer may surprise you. While having encouragement from family is wonderful, she explains why having a supportive partner can make a greater difference when you're building a business and creating a life together. In This Episode You'll Learn Why emotional support matters when building an esthetics business. How a supportive partner can positively impact your entrepreneurial journey. Why family members may not always understand your vision. How to handle criticism from friends and family while staying focused on your goals. The importance of surrounding yourself with people who believe in your success. Healthy ways to communicate with your spouse or partner about the demands of running a beauty business. How to protect your mindset during the early stages of entrepreneurship. Why Support Matters for Estheticians Many licensed estheticians dream of opening their own spa, growing a skincare brand, becoming a solo esthetician, or creating financial freedom through entrepreneurship. However, building a successful beauty business often requires sacrifices that others may not immediately understand. You may experience: Working evenings and weekends. Reinvesting profits back into your business. Spending hours creating social media content. Investing in continuing education. Delaying vacations or major purchases. Managing uncertainty while your business grows. Having someone at home who understands these challenges can provide stability, encouragement, and confidence during difficult seasons. Family Support vs. Partner Support Every family dynamic is different, and many entrepreneurs receive incredible encouragement from parents, siblings, and relatives. In this episode, Stephanie discusses why a supportive life partner often has a greater day-to-day influence because they typically share your household, finances, responsibilities, and long-term goals. When you and your partner communicate well and work as a team, it can make navigating the challenges of entrepreneurship much easier. At the same time, if family members don't fully understand your vision, it doesn't necessarily mean you can't succeed. Many successful entrepreneurs have built thriving businesses while earning support gradually through consistent action and results. Key Takeaway You don't need everyone's approval to build a successful esthetics business. You do need people in your life who respect your goals, encourage your growth, and support the work required to achieve your vision. A supportive partner can be an important part of that foundation, while a strong network of mentors, business friends, and fellow estheticians can provide additional encouragement along the way. About the SLI Online Esthetician School Podcast The SLI Online Esthetician School Podcast helps licensed estheticians, solo estheticians, spa owners, skincare professionals, and beauty entrepreneurs grow profitable businesses through practical education and real-world business strategies. Each episode covers topics including: How to grow an esthetics business Esthetician marketing strategies Client attraction Beauty business coaching Retail skincare sales Social media marketing for estheticians Business mindset Spa management Entrepreneurship Leadership and personal growth Whether you're opening your first treatment room or scaling a six-figure beauty business, you'll find actionable advice to help you grow with confidence. Subscribe, Review & Share If you enjoyed this episode, subscribe to the SLI Online Esthetician School Podcast so you never miss a new episode focused on helping estheticians build successful businesses and rewarding careers. If this conversation resonated with you, please leave a review and share this episode with another esthetician or beauty entrepreneur who could benefit from hearing it. SEO Keywords: supportive partner for entrepreneurs, supportive spouse, entrepreneur relationships, esthetician business, beauty entrepreneur, solo esthetician, esthetician mindset, esthetician success, beauty business coach, entrepreneur marriage, work-life balance for estheticians, spa owner tips, skincare business, women in business, esthetician podcast, online esthetician school, SLI Online Esthetician School, Stephanie Laynes. Stephanie, a seasoned professional in the beauty industry, brings her wealth of knowledge and experience to the forefront, sharing valuable insights, tips, and trends that every esthetician can use in their business. Click here to take my FREE Communication Masterclass Join my IG Broadcast Group HERE Enroll in the SLI Online Esthetician School for only $30 a month that includes the MONEY PODCAST, advanced esthetic education, business tips & more! Click here: Cost Per Service Worksheet from Angela Green, join the app to get access & pay! ***Stephanie's Favorite Things:*** Payroll App Esthetician Insurance Esthetician Gameplan: Pay Myself Workbook Smooth Skin Supply LLC Wholesale Website Follow Stephanie Laynes on socials: Instagram Facebook Tik Tok Youtube

The situation surrounding the Epstein files has become increasingly tangled inside the Trump-era Justice Department, with conflicting signals creating more confusion than clarity. After former attorney general Pam Bondi failed to comply with a congressional subpoena over her handling of the files, lawmakers began threatening contempt proceedings, arguing that her departure from the role does not absolve her of the obligation to testify. At the same time, her replacement, Todd Blanche—who has close ties to Donald Trump—has tried to strike two different tones: publicly suggesting support for transparency and victim hearings, while also downplaying missed deadlines and inconsistencies tied to the release of documents under the Epstein Files Transparency Act.That contradiction has fueled growing skepticism from legal experts, victims' advocates, and members of Congress, who argue that the Justice Department's approach looks less like disorganization and more like strategic ambiguity. Survivors' attorneys have emphasized that accountability hinges on enforcing subpoenas and fully releasing records, while critics question whether Blanche's position and past relationship with Trump compromise the likelihood of meaningful action. The broader picture is one of mounting frustration, with bipartisan pressure building for enforcement and transparency, even as victims and their representatives warn that the process risks becoming yet another instance of delayed or incomplete justice.to contact me:bobbycapucci@protonmail.comsource:What's next in the Jeffrey Epstein saga? Trump's justice department sends mixed messages | Jeffrey Epstein | The GuardianBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

https://teachhoops.com/ Are you delaying the conversation your team needs most? In this episode, Coach Collins breaks down why difficult conversations in coaching are usually not communication problems. They are fear problems. This episode explores why coaches delay honest feedback, what fear is usually hiding underneath that delay, and how avoiding candor slowly hurts both relationships and performance. Coach Collins also talks about why truth, delivered with care, is not criticism but belief, and why unspoken truth often becomes accepted behavior inside a program. If you want to lead better with players, staff, and parents, this episode is a reminder that leadership is not just about caring. It is about caring enough to tell the truth. Are You Delaying the Conversation Your Team Needs Most? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Podcast: Industrial Cybersecurity InsiderEpisode: The Real Cost of Delaying OT Cybersecurity InvestmentPub date: 2026-07-07Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarizationCraig and Jim revisit one of their most practical conversations: how to build a compelling business case for OT cybersecurity budget. They break down the IT/OT ownership gap that leaves manufacturers exposed, explain how to frame liability, physical risk, and financial impact in language executives actually care about, and walk through the options every organization faces.From doing nothing to running a proof-of-concept pilot site that generates real, quantifiable data. They also tackle the role of cybersecurity insurance, why every company needs OT on its risk register, and how the concept of technology debt can finally help leadership understand the cost of decades of deferred OT security investment. Whether you're approaching this from the IT side, the OT side, or somewhere in between, this episode gives you the framework to start the budget conversation before a breach forces it.Chapters:(00:00:00) - Introduction: The High Stakes of OT Cybersecurity(00:01:00) - Why Budgeting for OT Security Is So Difficult(00:04:00) - How to Get Executives to Actually Listen(00:06:00) - Liability: Speaking the Language of Leadership(00:11:00) - Building Your OT Cybersecurity Business Case(00:13:00) - Ownership and Visibility: The First Questions to Ask(00:17:00) - Proof of Concept: Using Real Data to Drive Decisions(00:20:00) - Cybersecurity Insurance and the Third Leg of the Stool(00:26:00) - Risk Management, Roadmaps, and Playing the Long Game(00:31:00) - Technology Debt and Final TakeawaysLinks And Resources:Want to Sponsor an episode or be a Guest? Reach out here.Industrial Cybersecurity Insider on LinkedInCybersecurity & Digital Safety on LinkedInBW Design Group CybersecurityDino Busalachi on LinkedInCraig Duckworth on LinkedInJim Cook on LinkedInThanks so much for joining us this week. Want to subscribe to Industrial Cybersecurity Insider? Have some feedback you'd like to share? Connect with us on Spotify, Apple Podcasts, and YouTube to leave us a review!The podcast and artwork embedded on this page are from Industrial Cybersecurity Insider, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Your sales team may be creating revenue patterns your business cannot afford. The wrong compensation structure can turn growth into a profitability problem. Revenue does not always equal value. The quality of the revenue, the timing of deals, and the behaviors rewarded inside the sales organization determine whether growth strengthens or weakens the business. A compensation plan is a signal to your sales team about what matters most. When incentives and company economics are disconnected, CEOs can see unexpected deal timing, lower-value revenue priorities, and pressure on profitability. The challenge is that these issues often remain hidden until leadership examines margins, cash flow, or the long-term value of the company. Mike Brunnick from Valor Advisors shares the hard-earned lessons behind aligning sales incentives with profitable growth, including why compensation plans influence behavior long before CEOs see the financial impact. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailIf delayed claiming of Social Security benefits is such a great deal, why do only about 4% to 9% of Americans actually wait until age 70 to collect Social Security?  Are the other 91% of Americans ignorant of this strategy, or is there some better process?Here's the podcast for the 91% of Americans who don't wait until age 70 and are shamed by the media for their decision.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Have you noticed how wedding countdowns seem a little longer these days? The culprit? The high cost of wedding!But here is my gentle FQ reminder: Do not let the cost of the weddingbe the main reason you delay your marriage. When the timing is right for your love to grow, don't let a heavy price tag steal the show!In my latest column, we're breaking down how to make your Makatwirang Mak (rational side) and Emotional Emong (emotionalside) finally agree on your big day. We'll look at what guests actually remember (hint: it's your brain's limbic system at work!) and how to ruthlessly cut the clutter so you can focus on what really matters to you.Listen and pass it on to someone in this interesting stage before “I do.”

Local government's delays in fixing their leaky pipes, or damaged roads are costing ratepayers even more in the long run.

This Fourth of July week, we're celebrating freedom—but what if the biggest threat to your leadership isn't outside your organization? What if it's the invisible prison you've built for yourself? In this episode of The Leadership Sandbox, Tammy Bond challenges leaders to identify the five leadership cells that quietly rob organizations of accountability, momentum, and trust. You'll discover why: • Chasing approval costs you respect. • Being the hero creates dependent employees. • Delaying difficult conversations compounds problems. • Certainty can become your greatest blind spot. • Every behavior you tolerate becomes your culture. Leadership isn't about having fewer responsibilities. It's about having the courage to unlock the cell you've been living in. If you're ready to stop surviving leadership and start leading with courage, clarity, and accountability—this episode is for you.

News we didn't expect on a Saturday afternoon, Marc Stein and Jake Fischer at The Stein Line report that Nikola Jokic is "considering" delaying signing his extension. Hooooo boy. Lots to unpack here.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you know whether your retirement plan is on track, or are you simply hoping it is? Whether retirement is years away or just around the corner, it's wise to pause and take a closer look at your plan today. A retirement checkup can help you know where you stand, identify potential gaps, and make adjustments before small issues become major problems. Many people know they should be saving, but they're less certain whether they're saving enough. That's where a thoughtful review can bring clarity—not just about the numbers, but about faithful stewardship in the season ahead. Know Your Retirement Savings Target No single rule of thumb fits everyone. Your retirement goal depends on many factors, including when you retire, how long you live, your lifestyle, your health, your generosity goals, and whether you'll have income from Social Security, a pension, rental property, or part-time work. Still, benchmarks can be helpful. As a starting point, one common guideline is to aim for about 10-12 times your income by age 67. The point isn't to become discouraged if you're behind. The point is to know where you stand. Once you have a clearer picture, you can make wise adjustments. Know Your Retirement Spending Number Your spending number may be even more important than your savings balance. A million dollars can be plenty for one household and not nearly enough for another because spending determines how much income your portfolio must produce. Start with your current budget, then consider what may change in retirement. Will your mortgage be paid off? Will travel increase? Will transportation costs go down? Will you support adult children or aging parents? Will you downsize, relocate, or stay where you are? Those questions help you see not only what retirement may cost, but also what kind of stewardship this next season may require. Have a Withdrawal Plan It's also important to think carefully about how much you'll withdraw from your savings each year. A common guideline has been the 4% rule, first developed by financial planner William Bengen. He has since updated his research, suggesting the number may be closer to 4.7% with a more diversified portfolio. Fidelity describes it more broadly as a 4%-5% sustainable withdrawal range. So, if you retire with $500,000, you might begin by withdrawing around $20,000 to $25,000 in the first year, then adjust over time. Of course, this is not a guarantee, and it does not mean you'll never touch the principal. Your actual withdrawal rate should depend on your age, health, investment mix, inflation, market conditions, and whether your essential expenses are covered by guaranteed income. The danger is assuming you can withdraw 8%, 10%, or even 12% from your portfolio every year without consequences. For most retirees, that's not a plan. It's a countdown. Prepare for Health Care Costs Medicare is a blessing, but it doesn't cover everything. Retirees may still face premiums, deductibles, co-pays, prescription costs, dental care, vision care, hearing expenses, and more. Long-term care is a separate issue altogether. Recent estimates suggest that a 65-year-old retiring today may need well over $170,000 for health care costs throughout retirement—and that does not include long-term care. For a married couple, health care becomes a major planning item. That's why it's important to prepare in advance and not assume Medicare will cover every need. Understand Social Security For many retirees, Social Security will be one of the largest sources of guaranteed income. You can claim benefits as early as age 62, but doing so can permanently reduce your monthly benefit by as much as 30%. Delaying past full retirement age until age 70 can increase your benefit by 8% for each full year you wait—up to 24% if your full retirement age is 67. Of course, delaying is not always the right answer. Health, family history, income needs, marital status, and work plans all matter. But because this is often a permanent decision, it's worth looking carefully before you claim. Review Your Investment Allocation As you approach retirement, your portfolio may need to become more conservative. But that doesn't mean moving everything to cash. Retirement may last 20 or 30 years, and inflation can quietly erode your purchasing power over time. A wise allocation should balance the need for stability with the need for continued growth. This is one area where trusted counsel can be especially helpful. A Certified Kingdom Advisor® (CKA®) can help you think through your investments, income needs, and long-term stewardship goals through a biblical lens. Retirement Is Not the End of Stewardship Finally, remember that retirement is not the end of stewardship. Psalm 92 says of the righteous, “They still bear fruit in old age; they are ever full of sap and green” (Psalm 92:14). That's a richer vision than simply withdrawing from work and responsibility. Retirement is not about drifting. It's about faithfulness in a new season. So yes, check the numbers. Know your savings target. Build a realistic spending plan. Prepare for health care. Understand Social Security. Review your investments. But also ask, “Lord, what fruit do You want to grow in this season of my life?” If you'd like help reviewing your retirement plan with an advisor who shares your biblical values, visit FindACKA.com to connect with a Certified Kingdom Advisor® (CKA®). On Today's Program, Rob Answers Listener Questions: I've worked at qualifying universities for nearly 10 years under Public Service Loan Forgiveness, but deferments and forbearances kept me from reaching 120 qualifying payments. I now qualify for the buyback program and could pay for about 15–17 missed months to reach forgiveness sooner. Should I do the buyback now or keep making regular payments until I reach 120? I have a home equity loan at 6% with a $32,000 balance and eight years left, and a car loan at 6.09% with a $35,000 balance and six years left. Which should I focus on paying off first? My job is ending soon, and I have only a small amount saved for retirement. I'm about to receive a $16,000 settlement. Given my situation, how should I use or invest that money? I've been with my local bank since 1996, but it's been bought out three times. How do I know when it's time to switch banks, and what should I look for in a new one? I'm turning 73 this August and will need to begin taking RMDs from my IRA based on the end-of-year 2025 balance. I'd like to use Qualified Charitable Distributions to reduce taxable income. When should I make the QCDs so they count toward my RMD? I'm trying to understand fixed indexed annuities. Are they a good option, and what should I consider before using one as an investment? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For years, I thought my work was about confidence.I built programs around it. I coached women through it. I spoke on stages about it. And over and over again, I found myself returning to the same question:Why do so many brilliant, accomplished women still struggle to believe they're enough?But during my time in Goldman Sachs' Black Women in Business program, something unexpected happened.As I was pushed to get clearer about my business, my differentiation, and the problem I was actually solving, I began looking back across six years of coaching hundreds of leaders, facilitating workshops, and listening to countless stories.And I realized something profound:Confidence was never the throughline.Decision-making was.Again and again, I saw the same patterns emerge. Leaders hesitating. Waiting for more certainty. Seeking more consensus. Delaying action. Revisiting decisions that had already been made. Not because they lacked capability, but because they didn't fully trust themselves.In this deeply personal episode, I share the journey that led to the creation of the Decision Velocity Index™ (DVI) and the surprising insight that changed how I think about leadership, confidence, and growth.Because what if confidence isn't the thing we're actually after?What if confidence is simply the byproduct of trusting ourselves enough to make a decision and act?In this episode, we'll explore:The unexpected insight that emerged during Goldman Sachs' Black Women in Business programWhy decision-making - not confidence - may be the hidden challenge for many leadersThe relationship between self-trust, action, and leadership effectivenessHow hesitation quietly impacts our lives, careers, and organizationsWhy your next level of confidence may be hiding inside a decision you've been avoidingThis episode marks the beginning of a new conversation - one that I believe has the power to fundamentally change how we think about leadership.Because confidence isn't something you wait to feel.It's what happens when you trust yourself enough to move.***********If this conversation resonates, and you're curious about how these patterns might be showing up in your own leadership or organization, we'd love to hear from you. The Decision Velocity Index™ was built to help uncover the hidden decision-making patterns that influence how we lead, act, and execute under pressure. This is just the beginning of the conversation.Learn more here https://decision-velocity-index.lovable.appand if you want to bring the DVI to your team, send us an email at hello@enoughlabs.com

Alex Coffey ends the trading week with insight on the Fed's lasting impacts in corners of Wall Street beyond treasuries. A hawkish tilt from Fed Chair Kevin Warsh hit gold and Bitcoin in ways that Alex says hit traders in those markets harder than expected. It all comes as the AI memory trade gains speed following Micron's (MU) earnings as supply sees a long-term crunch. Alex attributes memory as a new commodity. Elsewhere in tech, he explains why ON Semiconductor (ON) is acquiring Synaptics (SYNA), and reports of OpenAI pushing back its IPO timeline. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

With the fiscal year mostly over, hundreds of millions of dollars in health-related grants approved by Congress still have not reached their designated recipients, with the Trump administration again delaying distribution. Meanwhile, on the fourth anniversary of the Supreme Court decision that allowed states to ban abortion, the number of abortions in the U.S. is actually rising. Maya Goldman of Axios, Joanne Kenen of the Johns Hopkins Bloomberg School of Public Health and Politico Magazine, and Rachana Pradhan of KFF Health News join KFF Health News' Julie Rovner to discuss these stories and more. Plus, for “extra credit” the panelists suggest health policy stories they read this week that they think you should read, too: Julie Rovner: The Washington Post's “Tennessee To Restrict Medical Aid for Critically Ill Undocumented Children,” by Silvia Foster-Frau.  Maya Goldman: Stat's “Trump Administration Targets Disability Integration Mandate in DOJ Memo,” by O. Rose Broderick.  Rachana Pradhan: KFF Health News' “Arrests of Immigrant Parents Create Mental Health Crisis for Children,” by Claudia Boyd-Barrett.  Joanne Kenen: The Washington Post's “Why Trump's Algae Problem Is Much Bigger Than the Reflecting Pool,” by Sarah Kaplan.  

⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠****Most advice for retirees suggests to delay SocialSecurity as long as possible. But is that always the right move?In this episode, we'll discuss five real-world situations where claiming Social Security earlier may actually be the better decision.You'll learn:✔️ How longevity impacts yourclaiming strategy✔️ Why Social Security break-evencalculators may be incomplete✔️ The hidden impact claimingdecisions can have on your investment portfolio✔️ How Social Security affectslegacy planning and leaving money to your children✔️ Spousal and survivor benefitconsiderations✔️ Why many retirees strugglepsychologically with spending their nest egg✔️ How claiming benefits earlycan help manage sequence of returns risk during market downturnsThe reality is that Social Security claiming decisionsshould never be made in isolation. They should be coordinated with your retirement income plan, tax strategy, investment portfolio, legacy and lifestyle goals.If you're approaching retirement and wondering whether toclaim Social Security at 62, Full Retirement Age, or 70, this episode will help you understand the tradeoffs and make a more informed decision. Hope it helps.-KevinConnect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Followthe podcast​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠JoinMy Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

In this episode, Alex Pardo brings back returning guest and Storage Wins fan-favorite Dan Wentzel for an honest, unfiltered look at what two years of grinding toward his first self-storage deal has actually taught him. With lines in the water, offers made, and hard-won perspective to share, Dan sits down to answer the question every aspiring storage investor eventually has to face: if you could go back to day one with everything you know now, what would you do differently?   This is not a highlight reel. It's a raw breakdown of the mistakes that slowed Dan down (chief among them, analysis paralysis) and the mindset shifts that have him closer than ever to closing his first storage facility. If you've been studying, underwriting, and preparing but still haven't made your move, this episode is the push you've been waiting for.   You'll Learn How To:   Break the analysis paralysis cycle that's keeping you from making offers on storage facilities Underwrite a self-storage deal with confidence in 30 minutes or less Use the LMAO Method (List, Meaningful Conversations, Analyze, Offers) to structure your entire acquisition process Make verbal offers without waiting for every detail to be perfect Build real momentum through cold calls with storage owners, even when you don't feel ready Stop falling into the "I should be further along" trap and start taking radical ownership of your journey Take massive imperfect action and collect tiny wins that compound over time What You'll Learn in This Episode   [0:00] Dan delivers the episode's thesis before the intro even starts: perfect action doesn't exist, and waiting for it is the only thing that guarantees you stay stuck   [0:33] Alex sets up the central question: if Dan kept all his experience but woke up tomorrow at day one, what would change?   [1:01] Why hindsight and perspective are the two assets Dan has now that no spreadsheet could have given him   [1:32] Alex runs the "Men in Black" scenario: erasing two years but keeping every lesson, and what it reveals about where Dan actually is   [2:18] Alex reveals on-air that Dan has built a loyal fan base of Storage Wins listeners following his journey throughout season two   [2:55] Dan's honest answer to what took longer than it should have: closing a deal, and why he still knows it's coming   [3:50] Alex breaks down the "I should be further along" trap and why every entrepreneur who falls into it guarantees they stay exactly where they are   [4:34] Dan takes full accountability for his timeline, no blame, no excuses, and explains what that shift in ownership has unlocked   [5:25] Dan names his biggest mistake: analysis paralysis, and walks through the spreadsheet rabbit hole that had him second-guessing a deal he'd already underwritten correctly from day one   [7:16] The gut-punch moment: two experienced mentors reviewed Dan's deal in 30 minutes and landed on the exact same number he'd spent weeks agonizing over   [9:05] Alex's boat analogy: analysis paralysis is a current pulling you out to sea, and taking action shifts the current and brings you to shore   [11:14] The flip side: what activities actually built momentum for Dan, and why doing more of what works is just simple math   [11:39] What today's Dan would tell day-one Dan: don't overthink it, pick up the phone, and learn from every call you make   [13:35] Alex reveals the LMAO Method (List, Meaningful Conversations, Analyze, Offers) and shows how Dan's own three-step answer was the framework all along   [15:24] Dan's final word on massive imperfect action: collect tiny wins, make verbal offers, move to the next owner, and do it again   Who This Episode Is For:   Aspiring storage investors who keep underwriting deals but haven't submitted an offer yet People who freeze up at the thought of cold-calling storage facility owners Anyone who has been told to "just make offers" but doesn't know where to start Investors tying their self-worth to whether a deal closes on a specific timeline Entrepreneurs who know the technical side of self-storage but keep getting stuck in their own heads Anyone who has consumed all the content and just needs someone to tell them to pick up the phone   Why You Should Listen: Season two of Storage Wins was supposed to end with Dan closing his first self-storage deal. And while that close is still coming (and both Alex and Dan know it), this episode makes the case that the most important thing Dan built over 38 episodes wasn't a portfolio. It was a version of himself capable of building one. Two years ago, the thought of calling a storage owner cold terrified him. Today, he can underwrite a facility, have a meaningful conversation with a seller, and submit an offer without breaking a sweat. That's not a small thing.   What makes this conversation hit differently is the specificity of the mistakes. Dan doesn't give you vague lessons about "staying consistent." He walks you through the exact deal he over-analyzed: the spreadsheets, the second-guessing, the mentors who looked at it for 30 minutes and landed on the same number he'd spent weeks circling. That's the kind of honesty you can actually use. And when Alex's boat analogy lands, the current of analysis paralysis pulling you out to sea versus the current of action bringing you to shore, you'll feel it.   If you've been sitting on a deal, a call, or even just the decision to get started, this episode gives you no more runway to hide behind. The LMO Method is simple. The Owner's Code is downloadable below. The blue ocean of 50,000-plus storage facilities is real. The only thing left is the action, and Dan's story is proof that imperfect action taken consistently will get you there.   Follow Alex Pardo here:   Website: https://storagewins.com Schedule a call: https://storagewins.com/call Facebook Group: Storage Wins Community Instagram: @alexpardo25 YouTube: Storage Wins Podcast   If this episode lit a fire under you, the best next step is the simplest one: pick up the phone and start talking to storage owners. Download the Owner's Code seller conversation framework linked below so you know exactly what to say, and book a free 10 to 15 minute discovery call with Alex at https://storagewins.com/call when you're ready to go deeper. If you're just finding the show, go back to the beginning of season two and follow Dan's full journey from episode one. You won't regret it.