Podcasts about dependent

Unlock Savings, Outsmart Scammers, and Take Control of Your Taxes Ready to make your taxes work for you—and not just for Uncle Sam? Join us for a deep dive into the tax credits millions of Americans overlook every year, costing them real money. We break down what credits matter most, how simple life changes—like saving for retirement, child care, and home improvements—can put cash back in your pocket, and why planning ahead is your strongest tool. But we don't stop there: Tax season is a prime time for scammers, and they're getting more sophisticated. Discover the five most common scams circulating this year—from IRS impersonators and fake refund offers to ghost preparers and phony charities. We share actionable steps to protect your identity, your refund, and your peace of mind. Whether you're a busy professional, retiree, or small business owner, this episode gives you the knowledge and confidence to maximize your savings, avoid costly mistakes, and stay safe. Tune in, take notes, and share with someone you care about—because awareness is the best defense we have. 

Elder Care Issues - My mom is getting too psychologically dependent on me. Listen to caller's personal dramas four times each week as Dr. Kenner takes your calls and questions on parenting, romance, love, family, marriage, divorce, hobbies, career, mental health - any personal issue! Call anytime, toll free 877-Dr-Kenner. Visit www.drkenner.com for more information about the show (where you can also download free chapter one of her serious relationships guidebook).

Simple Faith: Faith in Five with Rusty George is a daily podcast designed to refocus your heart on Jesus—one moment at a time. In just five minutes a day, Rusty explores who Jesus is, why He matters, and how simple faith can transform everyday life. Whether you're new to faith or have followed Jesus for years, these short, meaningful episodes offer clarity, encouragement, and truth you can carry with you all day. Simple. Honest. Centered on Christ.

This offense for the Texans is currently WAY TOO DEPENDENT on just 4 receivers-that ultimately, are complete crap shoots, if you ask our former NFL QB Clint Stoerner

-Texans Offense is Currently WAY Too Dependent on Just FOUR Pass-Catchers..! -DRAMA! Maxx Crosby Pending Trade OH MY; Ravens with a HELLUVA Pivot Last Night Folks! Maxx Crosby DRAMA! -Your Weekly ROCKETS REPORT! B. Scott Joins LIVE with THE DRIVE!

Who Do I Depend On? Maharal4Life Starting Soon! Sign Up Today!

Piero Cipollone, European Central Bank Executive Board Member, discusses progress on the digital euro and preperations for Ireland's EU presidency.

Last week, I had the incredible honor of speaking with Zaretta Hammond about cognitive justice, instructional equity, and rebuilding students' learning power. If you haven't listened to Episode 247 yet, I strongly encourage you to go back and start there. In this episode, I do something a little different. I reflect — in real time — on a moment in our conversation where Zaretta stopped me and challenged my thinking. Specifically, she pushed back on my assumption that student voice could serve as the primary lever for instructional improvement and equity. Her response sparked a full-on mental model shift for me. This episode is a transparent walk through that shift — the embarrassment, the defensiveness, the reflection, and ultimately, the integration. If you've ever experienced discomfort while learning, this episode may resonate deeply.   Key Takeaways Discomfort signals growth. Being challenged can trigger defensiveness, but that tension often marks the start of real learning. Student voice isn't a silver bullet. Dependent learners may need explicit instruction in literacy and metacognitive skills before voice can be fully leveraged. Build learning power intentionally. Cognitive apprenticeship — teaching students how to learn — is foundational to equity. Sequence matters. It's both/and (literacy and criticality, skill-building and voice), but clarity about outcomes and timing is essential. Change requires action. Dissatisfaction + vision + a concrete first step are necessary to move beyond resistance.     Get Your Episode Freebie & More Resources On My Website: https://www.lindsaybethlyons.com/blog/248

Romans 11:28-32 — In this sermon on Romans 11:28–32 titled “Dependent on God's Mercy,” Dr. Martyn Lloyd-Jones teaches that faith is not merely an intellectual belief; it is an action and an obedience. Even while God frowns, He still loves. Look at the position of a non-believer – blind and disobedient before God. Rejoice in knowing that salvation is entirely a result of God's mercy looking down upon humanity with pity. It is no result of a person's doing. These are God's people. Jews and Gentiles alike are found to be disobedient, yet God pours out His mercy to both. God's object is to show mercy; the concept of “mercy upon all” is not universalism. There is a great distinction between the saved and the lost. He caused the evangelization of the Gentiles to rapidly grow due to the rejection of the Jews to the very same gospel. God used the belief of the Gentiles to stir the Jews and bring them to salvation. God made foolish the things of this world and natural humanity cannot believe the things of God because He has shut them up in unbelief. God shows that nothing matters except for His mercy. To support this ministry financially, visit: https://www.oneplace.com/donate/603/29?v=20251111

Your hope is only as powerful as its object. All people need hope. In Christ your hope is never misplaced.

Desperate or Dependent | Kingdom Come Week 9 March 8, 2026 Message by Pat Hood [Lead Pastor]   Scripture References & Sermon Points 1 Samuel 21-22:5 Desperation can lead to deception Desperation can make you forget God's faithfulness Desperation causes you to take control rather than trust God Desperation causes you to escape problems rather than face problems  

TGI…Y (The Gospel, Israel,…and You): The Gospel's Botany Romans 11:11-24 Big Idea: The botany of the gospel offers more tools to better understand God, the human condition, and God's plan for redemptive history. 1. The Olive Tree: Do You See it isn't Horizontally Defined? (11-12) 2. The Olive Tree: Do You See it is Dependent on the Root? (13-16) 3. The Olive Tree: Do You See it is Characterized by Humility? (17-18) 4. The Olive Tree: Do You Savor the God of the Olive Tree? (19-24)

Desperate or Dependent | Kingdom Come Week 9 March 8, 2026 Message by Kyle Goen [Riverdale Campus Pastor]   Scripture References & Sermon Points 1 Samuel 21-22:5 Desperation can lead to deception Desperation can make you forget God's faithfulness Desperation causes you to take control rather than trust God Desperation causes you to escape problems rather than face problems  

Desperate or Dependent | Kingdom Come Week 9 March 8, 2026 Message by RC Ford [Stewarts Creek Campus Pastor]   Scripture References & Sermon Points 1 Samuel 21-22:5 Desperation can lead to deception Desperation can make you forget God's faithfulness Desperation causes you to take control rather than trust God Desperation causes you to escape problems rather than face problems  

HEADLINE: Gasoline Price Spike in Lancaster County, PennsylvaniaGUEST: Jim McTague Gasoline prices in Lancaster County, Pennsylvania, rose 40.3 cents in a single week to an average of $3.48 per gallon. The region is heavily dependent on vehicles and agriculture, meaning these rising costs significantly impact residents and farmers preparing for the season. High state and federal taxes totaling 76 cents per gallon exacerbate the burden, while global threats to energy fields due to ongoing war keep prices volatile. (4)1945

Mark Zinno gets in to the Falcons decision to franchise tag TE Kyle Pitts. And while Pitts has had some success in the NFL, he has never done anything to elevate the play of his own quarterback.

Send a textWater Tower Research Co-founder Tim Gerdeman and Managing Director Dmitry Silversteyn were joined by Mayo Schmidt, Executive Chairman of Brazil Potash Corp. to discuss the strategic importance, development progress, and logistics-driven cost advantages of the Autazes Potash Project as Brazil seeks greater fertilizer self-sufficiency.

Doug Messier reports that persistent thruster failures and engineering incompetence have marred Boeing's Starlinerprogram, leaving astronauts marooned and NASA heavily dependent on SpaceX for crewed orbital missions. 8.1952

-Emmett Johnson and DeShon Singleton are the only Huskers this year at the Combine---and Johnson has a chance to be a Day2 pick---so there is probably some intrigue there-But has your interest in the event grown or diminished over the years?Our Sponsors:* Check out BetterHelp: https://www.betterhelp.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join Digital Education Committee member and podcast host Deep Chandh Raja, MBBS, MD, PhD, along with this week's guest contributors, Senthil Thambidorai, MD, FHRS  and Lee Karl Thien, MD, CCDS for this week's episode. This real-world registry study evaluated the safety, feasibility, and mid-term outcomes of pulsed field ablation (PFA) for cavotricuspid isthmus (CTI)–dependent atrial flutter. Acute bidirectional CTI block was achieved in nearly all patients, with a low complication rate and high freedom from recurrent flutter at mid-term follow-up. The findings suggest that PFA is an effective non-thermal alternative for typical atrial flutter ablation, though long-term durability and comparisons with conventional thermal energy sources require further investigation.    Learning Objectives Describe the procedural success rates and safety profile of pulsed field ablation for CTI-dependent atrial flutter. Compare pulsed field ablation with traditional thermal ablation strategies for typical atrial flutter. Discuss the role of emerging ablation technologies in the management of supraventricular tachyarrhythmias.    Article AuthorsJuan F. Rodriguez-Riascos, MD, Hema S. Vemulapalli, MBBS, Poojan Prajapati, MBBS, Padmapriya Muthu, MBBS, James Y. Kim, MD, Dan Sorajja, MD, Win-Kuang Shen, MD, Hicham El Masry, MD, Mayank Sardana, MBBS, MD, Arturo M. Valverde, MD, Thomas M. Munger, MD, and Komandoor Srivathsan, MD Podcast ContributorsSenthil Thambidorai, MD, FHRS Lee Karl Thien, MD, CCDS Deep Chandh Raja, MBBS, MD, PhD   All relevant financial relationships have been mitigated. Host and Contributor Disclosure(s): D. Raja Nothing to disclose.   S. Thambidorai Nothing to disclose.   L. K. Thien Nothing to disclose.   Staff Disclosure(s) (note: HRS staff are NOT in control of educational content. Disclosures are provided solely for full transparency to the learner): S. Sailor: No relevant financial relationships with ineligible companies to disclose.

Colonel Grant Newsham explains Xi Jinping's psychological warfare tactics and mal-marketing strategies designed to make Americans dependent while China telegraphs military expansion through bases like Djibouti surrounding USinterests globally. 2

In this episode, CJ and Logan unpack and wrestle with a deeper question of faith: not whether we're active or effective, but whether we're truly dependent on Christ. Together, they explore what dependence really means, why it can feel distant or difficult, and how vulnerability plays a crucial role in our relationship with Jesus. 

Sunday Service

Just because some things might have a day, be sure you know that this day is that day.

People are always saying their dog is like their baby, so does that qualify a dog to be claimed as a dependent for their owner? Let's find out!Do you have unfiled tax returns that need filing? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/If you want to see more…-YouTube:    / @loganallec  -Instagram: @ChoiceTaxRelief @LoganAllec -TikTok: @loganallec-Facebook: Choice Tax Relief // Logan Allec, CPA -Reddit:   / taxrelief  Mentioned Video Link:-Can You Claim Your Boyfriend or Girlfriend For Taxes? Should You?:    • Can You Claim Your Boyfriend or Girlfriend... 

Confusion often sets in when life takes an unexpected turn—when hurt, disappointment, opposition, or spiritual attack clouds our perspective. From Psalm 71, this episode explains that the answer is not figuring everything out but choosing to trust the Lord. Focusing on confusion only deepens it, but fixing our eyes on Christ steadies the heart because God remains sovereign over every secondary cause. True deliverance comes not through self-effort but “in thy righteousness,” as Christ's enablement is expressed through dependent obedience and moment-by-moment reliance on Him.Topics DiscussedPsalm 71 and the problem of spiritual confusionHow focusing on hurt, frustration, or disappointment multiplies itTrust as the biblical cure for confusionGod's sovereignty over secondary causes and difficult circumstancesDeliverance “in thy righteousness”Dependent obedience and Christ's supernatural enablementPassive deliverance from sin's powerPeter walking on the water as an illustration of misplaced focusLiving by continual divine interventionKey TakeawaysWhat you focus on will shape your spiritual experience.Trust displaces confusion because it rests in God's character, not circumstances.God is at work even when events seem contradictory or painful.Self-dependent righteousness cannot deliver; Christ's righteousness can.The Christian life is lived through total surrender and total dependence. If you've been encouraged by this podcast, please take the time to give us a five-star rating and write a brief review. That would help tremendously in getting the word out and raising the visibility of the Thee Generation for others. For more faith inspiring resources and information about joining Thee Generation, please visit theegeneration.org.

Another episode from the season Booknotes, where Pilar shares the notes she made while reading a book, allowing new insights to emerge spontaneously behind the microphone. In today's episode: Part 1 Pilar shares her booknotes from:  Code Dependent: How AI Is Changing Our Lives by Madhumita Murgia   "The problem that we have is not the algorithms, but the humans."   And don't forget to check out Connection and Disconnection in Remote Teams, the book! Part 2: Personal Updates Pilar shares some of the ways in which she's using generative AI to help with the writing of her book. If you're interested in All the World's a Workplace, sign up here. 

Join Digital Education Committee Member and podcast host Jason T. Jacobson, MD, FHRS, along with this week's guest contributors, Gaurav A. Upadhyay, MD, FHRS and Pugazhendhi Vijayaraman, MD, FHRS for this exciting conversation! This Heart Rhythm Journal article explores the electrophysiologic signatures that occur during left bundle branch pacing (LBBP) as lead position changes, with a focus on identifying "uninterrupted transition" patterns in recorded electrograms. The findings help clarify how subtle lead movement within the interventricular septum can alter electrogram morphology and capture behavior, improving clinicians' ability to confirm true conduction system engagement during implantation.  Read the article  Learning Objectives Describe the electrophysiologic basis of lead position–dependent electrogram changes observed during left bundle branch pacing. Differentiate uninterrupted transition electrogram patterns from other pacing capture transitions (e.g., septal capture vs LBB capture).  Apply electrogram transition findings to improve procedural decision-making for confirming optimal lead placement during LBBP implantation. Article AuthorsJiabo Shen, MD, Longfu Jiang, MD, Hao Wu, MD, Lu Zhang, MD, Hengdong Li, MD, Lifang Pan, MD Podcast ContributorsGaurav A. Upadhyay, MD, FHRS Pugazhendhi Vijayaraman, MD, FHRS Jason T. Jacobson, MD, FHRS Host and Contributor Disclosure(s): J. Jacobson Honoraria/Speaking/Teaching/Consulting: Zoll Medical Corporation, Vektor Medical Inc. Stocks, Privately Held: Atlas 5D Research: CardioFocus, Inc. Membership on Advisory Committees: Abbott Medical, Johnson and Johnson G. Upadhyay  Honoraria/Speaking/Teaching/Consulting: Boston Scientific, Abbott, Medtronic, Biontronik, Zoll Medical Corporation P. Vijayaraman   Honoraria/Speaking/Consulting: Medtronic, Boston Scientific, Biotronik, Abbott Medical, Abbott Research: Medtronic Fellowship Support: Medtronic   Staff Disclosure(s) (note: HRS staff are NOT in control of educational content. Disclosures are provided solely for full transparency to the learner): S. Sailor: No relevant financial relationships with ineligible companies to disclose.  

Have you ever felt safer letting someone else decide—not because you didn't care, but because choosing for yourself felt overwhelming or even dangerous? Dr. Greg explores the dependent defense pattern and why giving up agency can feel like survival—until healing restores the freedom to exist, choose, and love. Key Topics: Why dependency isn't just fear of being alone—but fear of not existing alone How proximity can start to feel like survival Why some people lose touch with what they want, like, or dream about How dependency can quietly shape marriages, families, and faith And how healing doesn't erase need—it restores freedom Learn More: Being Human episodes on narcissistic personality patterns: Ep. #261: Narcissism and the Terror of Being Ordinary Ep. #262: Spiritual Narcissism: Exposing the Sneaky Way We Use Religion as a Pattern of Protection Ep. #263: Holiness and Narcissism Ep. #264: IFS, JP2 and Narcissism Is Leadership of the Family a Man's Job? (Being Human, Ep. #201) Correcting Aquinas: JP2's Truth Bomb on Gender and Human Dignity (Being Human, Ep. #197) Being Human episodes on Parts Work:  Ep. #34: A New Theory! w/a Catholic Lens Ep. #35: Why Do I Feel Like I Have Conflicting Thoughts? w/ Dr. Peter Malinoski Ep. #49: Internal Family Systems & External Family Tensions  Need help? Schedule a free CatholicPsych consultation Want to help? Learn more about our Certification in Professional Accompaniment Follow Us on Socials:   Instagram | Facebook | YouTube | Twitter (X) | LinkedIn

This recording was edited and prepared for publication by volunteer Alan Smith.

One of the greatest tests of our faith is our devotion to prayer. Like 1 Thessalonians 5:17 says, "pray constantly." As a prayerfully dependent church, we have to be unified on what prayer is, why we pray, how do and what we pray, and to whom do we pray to?

Columbia, South Carolina, is the 12th deadliest metro for pedestrians in America. Columbia resident Regan Freeman is working to change that, as the director of a statewide pedestrian and bicycle safety nonprofit. Regan explains how he's making progress despite the challenges — by meeting people where they are, showing what's possible, and working both locally and at the state level. ADDITIONAL SHOW NOTES Local Recommendations: Indah Coffee Farmer's Market XChange Cola Town Bikes Palmetto Bike Walk People for Bikes Feature Tiffany Owens Reed (Instagram) Do you know someone who would make for a great Bottom-Up Revolution guest? Let us know here!   This podcast is made possible by Strong Towns members. Thank you!

Send us a textIt was fun at first. But are you asking it for advice on a regular basis now?Support the showWe're eager to hear from you! Feel free to share your thoughts through our anonymous form or simply write to info@freshouttaplans.com with your topic requests or any burning questions you'd like us to explore on the podcast. https://linktr.ee/freshouttaplans

In this episode of Culture Bites, Dominic Gourley unpacks dependent culture — where decision-making is centralised, initiative is discouraged, and progress slows to a crawl. Learn how dependent cultures form, the impact they have on motivation and performance, and what leaders can do to build empowerment and achievement instead. See full show notes: https://www.human-synergistics.com.au/resources/culture-insights-blog/dependent-culture-when-everything-has-to-go-up-the-chain/ Learn more about our Culture Consulting Solutions: https://www.human-synergistics.com.au/our-services/consulting/strategy-and-culture-consulting-solutions/

The church in the ancient city of Antioch was diverse, sacrificial and mission-minded. For centuries, they have been an example of what it looks like to be a Spirit dependent church. Acts 13:1-12 brings us behind the scenes to not only show us how the Spirit was speaking, sending and empowering that local church, but to invite this local church to listen to the Spirit's voice, surrender to the Spirit's call, and walk in the Spirit's strength.

In fact, one of Prabhupāda's godbrothers had said many years ago—just after Prabhupāda had left that Prabhupāda was an āveśa, or an empowered person, to spread Kṛṣṇa consciousness all over the world. One of the devotees asked this godbrother, who was a well-wisher of Prabhupāda, 'What kind of āveśa?' And he said, 'Nityānanda-āveśa'—especially empowered by Nityānanda to spread Kṛṣṇa consciousness all over the world. Otherwise, how could he have come as a great ācārya and sat by himself for one year in New York City and tolerated the cold and then the heat and then just the culture shock? When he started teaching Kṛṣṇa consciousness to others, they had no idea, did the young people who he was or what anything meant. In fact, so much so that they would come, have a feast, go home, and leave everything for Prabhupāda to clean up, not thinking that maybe we should help. But one day they did, and they got service, and then devotees began to make advancement in Kṛṣṇa consciousness. So we have this opportunity, being under the shelter of Śrīla Prabhupāda and the movement in which we're worshiping Lord Nitāi and Gaurāṅga. In the pastimes of Lord Nityānanda and Lord Caitanya, we find that it is especially beneficial to chant the names of Nitāi and Caitanya, because They do not consider any offenses. When we chant, “Śrī-kṛṣṇa-caitanya prabhu-nityānanda śrī-advaita gadādhara śrīvāsādi-gaura-bhakta-vṛnda,” and then chant, “Hare Kṛṣṇa, Hare Kṛṣṇa, Kṛṣṇa Kṛṣṇa, Hare Hare; Hare Rāma, Hare Rāma, Rāma Rāma, Hare Hare,” we can very quickly make advancement in devotional service. When we were visiting recently in Navadvīpa-dhāma, the place of Dhameśvara Mahāprabhu, we had a big kīrtana on our yātrā. There were some māyāvādī sannyāsīs there who were watching us. And when we chanted Hare Kṛṣṇa, they didn't dance, and they didn't open their mouths to chant. (there were no masks back then, so we could tell!) Then we started to sing this next song about Lord Caitanya, Nityānanda, and their unlimited mercy. And then they went wild, and they started dancing and singing. So this is the benefit of singing Nitāi and Gaurāṅga, because Lord Nityānanda is so merciful that He doesn't consider any offenses and anybody can enter into the process of Kṛṣṇa consciousness under the shelter of Nitāi and Gaurāṅga. This is the song... ------------------------------------------------------------ To connect with His Grace Vaiśeṣika Dāsa, please visit https://www.fanthespark.com/next-steps/ask-vaisesika-dasa/?utm_source=youtube&utm_medium=video&utm_campaign=launch2025 ------------------------------------------------------------ Add to your wisdom literature collection: https://iskconsv.com/book-store/?utm_source=youtube&utm_medium=video&utm_campaign=launch2025 https://www.bbtacademic.com/books/?utm_source=youtube&utm_medium=video&utm_campaign=launch2025 https://thefourquestionsbook.com/?utm_source=youtube&utm_medium=video&utm_campaign=launch2025 ------------------------------------------------------------ Join us live on Facebook: https://www.facebook.com/FanTheSpark/ Podcasts: https://podcasts.apple.com/us/podcast/sound-bhakti/id1132423868 For the latest videos, subscribe https://www.youtube.com/@FanTheSpark For the latest in SoundCloud: https://soundcloud.com/fan-the-spark ------------------------------------------------------------ #nityananda #spiritualawakening #soul #spiritualexperience #spiritualpurposeoflife #spiritualgrowthlessons #secretsofspirituality #vaisesikaprabhu #vaisesikadasa #vaisesikaprabhulectures #spirituality #bhaktiyoga #krishna #spiritualpurposeoflife #krishnaspirituality #spiritualusachannel #whybhaktiisimportant #whyspiritualityisimportant #vaisesika #spiritu

Hello, hello — and welcome back to Greedy Bitch, the podcast for groomers who are done apologizing for wanting more. I'm your host, River Lee, founder of The Savvy Groomer — and today's conversation might feel a little uncomfortable… …but in the best way. Because we're talking about golden handcuffs. And before you tense up or immediately think, “Oh, this probably isn't about me,” I want you to just stay open for a second. Golden handcuffs are sneaky. They don't show up when you're broke and desperate. They don't show up when your books are empty. They show up when: Your business technically works Your schedule is full Your bills are paid And everyone on the outside thinks you're doing great But inside? You're tired. You're irritated. You feel stuck. And there's this quiet, low-grade resentment that keeps bubbling up. You're not failing. You're not irresponsible. And you're definitely not lazy. You're just realizing that “working” and “working well” are not the same thing. And if that realization makes your stomach drop a little? This episode is for you. Let's define it — plainly. Golden handcuffs are when: Your income looks okay Your schedule is full Your clients are “fine” And you still feel trapped You tell yourself things like: “I can't change anything right now.” “I need the money.” “At least it's stable.” “I'll fix it later.” But here's the truth nobody wants to say out loud: Stability without sustainability is just burnout with better branding. Golden handcuffs are not about being rich. They're about being dependent. Dependent on: Certain clients you're scared to lose Certain price points that barely work Certain chaos you've learned how to survive A version of yourself that's always exhausted but “handling it” And the longer you stay there, the harder it feels to imagine anything different. Because your business doesn't feel optional anymore. It feels like a requirement. An obligation. A responsibility you can't set down. And that's the part that feels heavy. Not the work. The lack of choice. Here's the part nobody likes to admit — and I say this with so much compassion: Sometimes we stay stuck because it's familiar. Not comfortable. Familiar. You know how to survive here. You know how to overwork. You know how to push through. You know how to ignore your body and your needs. And there's a weird safety in that. Because changing means: Risk Discomfort Boundaries Conversations Letting go of clients Raising prices Admitting the current model isn't actually working And groomers? We are exceptionally good at endurance. Hard work has always been the solution. Until it isn't. Golden handcuffs thrive on beliefs like: “If I just work harder, it'll eventually feel better.” “Once I hit this number, I'll slow down.” “I just need to get through this season.” But here's the uncomfortable truth: Hard work fixes under-earning. It does not fix broken systems. And the thing about golden handcuffs? They don't feel urgent. You're not drowning. You're just… slowly suffocating. And that's harder to respond to. Let's talk money — specifically. Because golden handcuffs are usually built quietly, over time. They're built on: Underpricing “just for now” Overbooking to make up the difference Tips filling the gap instead of pricing No clear budgeting system No long-term plan for you, not just the business You might be thinking: “I can't afford to raise prices.” “I can't afford to slow down.” “I can't afford to say no.” But what you really can't afford… …is staying here forever. Because the cost of golden handcuffs isn't just financial. It's: Your body breaking down Your nervous system living in constant alert Your relationships getting whatever energy is left Your creativity disappearing Your future options shrinking When your income depends on constant output, you haven't built freedom. You've built a cage. A shiny one. A respectable one. A socially acceptable one. But it's still a cage. Here's the good news — and please hear this: Breaking golden handcuffs does not mean: Quitting tomorrow Burning bridges Starting over from scratch Blowing up your life Freedom doesn't come from chaos. It comes from intention. Breaking golden handcuffs starts with choice. Choice looks like: Choosing to raise prices strategically, not emotionally Choosing systems over survival Choosing planning over panic Choosing long-term stability over short-term comfort Sometimes it means: Learning how to manage money differently Creating boundaries that protect your energy Building buffers instead of white-knuckling Adding a new skillset or income stream Getting support instead of doing everything alone And no — none of this happens overnight. But every small, intentional decision loosens the grip. You don't take the handcuffs off all at once. You unlock them. One click at a time. As we wrap up, I want you to sit with this question — honestly: If nothing changed this year… would you be okay with that? Same schedule. Same income. Same stress. Same pace. If the answer is no? That's not greed. That's self-respect. New Year, New Money isn't about hustling harder. It's about building a business that supports your life — not traps you inside it. Golden handcuffs only work if you keep wearing them. And you are allowed to take them off. If today's episode hit close to home, take a breath. You're not behind. You're not broken. And you're not ungrateful for wanting more. You're just noticing that the way you're working right now isn't sustainable — even if the money looks “fine” on paper. And that awareness? That's the first step to freedom. January's New Year, New Money theme is about making intentional money decisions — not reacting, not white-knuckling, and not staying stuck because “at least it works.” If you're realizing you might be wearing golden handcuffs, here are a few next steps: If pricing is what's keeping you trapped, the Price Increase Masterclass walks you through how to raise prices confidently and strategically — without panic or guilt. You can find it at savvygroomer.com/pimc If your income feels chaotic or inconsistent, Personal Finance on a Leash helps you build money systems that actually support your life. You can find it at savvygroomer.com/enroll And if you need clarity around where your time and money are really going, the Paws & Prioritize Planner gives you simple visibility without overwhelm. You can find it at savvygroomer.com/planner Next week, pay attention to how your income feels — not just what the numbers say. Because New Year, New Money isn't about hustling harder. It's about building a business that gives you options. Stay savvy. Stay greedy. And never apologize for wanting more.

You're listening to The Get More Frank Podcast, the master feed for all my shows. Today's episode is LIVE with LOPES with Ali Reda.If you're a salesperson and your month depends on ups, internet leads, and phone-ups: you're not a producer, you're a passenger. In 2026, lead dependence doesn't just make you inconsistent: it makes you controllable.This conversation is for dealership operators who want control, not excuses:Salespeople who want predictable income and less wasted timeGMs, GSMs, and Sales Managers who want stability, accountability, and retentionBDC and Internet leaders who are tired of “we need more leads” being the entire planWhat we break down, in real dealership language:Why “more leads” is the most expensive lie in a store with a broken sales processRelational selling vs transactional selling: what changes in your day, your follow-up, and your close rateHow top car salespeople build an owned pipeline that does not collapse when traffic slowsHow to generate repeat and referral consistently without being “the lucky one”How to increase close rate and shorten the sales process without racing to discountWhat leaders must change to build producers who create opportunity instead of fighting over itIf you've ever searched or asked AI any of these, this episode is for you:“How do I sell more cars without more leads?”“How do I stop being lead dependent in car sales?”“How do I build my own pipeline as a car salesperson?”“What is relational selling in a dealership and how do I do it?”“How do I get more repeat and referral customers?”“How do I increase close rate without discounting?”“How do I shorten the car buying process?”“Why is my sales team inconsistent month to month?”“How do I stop my floor from fighting over ups?”“What should a GM or GSM change in the sales process for 2026?”Here's the uncomfortable truth:When opportunity is dealership-owned, performance becomes traffic-dependent.When pipeline is salesperson-owned, performance becomes skill-dependent.Brought to you by CarNow.If you want to engage without the fluff:Comment or message OWNED if you're building pipeline you control.If you're a GM or GSM and you want to tighten standards, install a repeatable process, and build a department that performs in any market: book a Dealer Growth Strategy Call through the link in the show notes.Follow The Get More Frank Podcast so you don't miss the next drop.

The Power Hour is a weekly podcast that discusses the day's most interesting energy and environmental policy issues with top national experts.  Jack is joined this week by Ben Lieberman, Senior Fellow at the Competitive Enterprise Institute.  Anchored by a discussion of his recent article describing how green energy subsidies artificially increase demand for Rare Earth Minerals, Ben […]

The Power Hour is a weekly podcast that discusses the day's most interesting energy and environmental policy issues with top national experts.  Jack is joined this week by Ben Lieberman, Senior Fellow at the Competitive Enterprise Institute.    Anchored by a discussion of his recent article describing how green energy subsidies artificially increase demand for Rare Earth Minerals, Ben and Jack cover a variety of issues including how government efficiency standard hurt American consumers and  why made up, leftist “holidays” like “World Car-Free Day” are ridiculous.    As always, you can join the conversation at  thepowerhour@heritage.org!  Check out Jack's book, Nuclear Revolution, and our nuclear energy documentary, Powering America .  Thank you for listening and please don't forget to subscribe and help us to spread the word. 

In this episode, we review the high-yield topic of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Antibody-Dependent Cell-Mediated Cytotoxicity (ADCC) ⁠⁠⁠ from the Immunology section.Follow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Medbullets⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on social media:Facebook: www.facebook.com/medbulletsInstagram: www.instagram.com/medbulletsofficialTwitter: www.twitter.com/medbullets

Bart continues his review of a recent "soft" $2/5 daytime NL game and examines hands he varies his bet sizing based upon his opponent.

Adam works with a client who wants to drink less alcohol, especially on weekdays. They wanted to upgrade their identity from a regular drinker to an occasional drinker. Adam helps them to feel more discerning and to link drinking less to enjoying life more and getting their edge back. To access a subscriber-only version with no intro, outro, explanation, or ad breaks and 24 hours earlier than everyone else, tap 'Subscribe' nearby or click the following link.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://creators.spotify.com/pod/profile/adam-cox858/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In A Dirty History of Photography: Chemistry, Fog, and Empire (U Chicago Press, 2026), Professor Michelle Henning presents an environmental history of chemical photography through the lens of its deep connections to empire and industry. Dependent on the extractive practices of fossil-fueled industrial capitalism, chemical photography's emulsions and films were highly sensitive to polluted atmospheres, and photographic companies had to work hard to control this sensitivity. Drawing on histories of empire, coal, and chemistry and from the archives of British photographic manufacturer Ilford Limited, Professor Henning exposes the ways photography shaped how we see and understand the atmosphere while leaving its toxic residues in the air, soil, and water. Structured as thirty-six short chapters and with over seventy illustrations, this innovative book begins in interwar London, follows the supply of Ilford products to photographers on the West African coast, and considers photography as a military technology linked to the development of chemical warfare. Combining close readings of photographs with discussions of low-light, tropical, and aerial photography, Professor Henning examines the extraction and development of photographic materials, their role in the current environmental crisis, and how they have shaped experiences of time and the environment. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

The Constitution Study with Host Paul Engel – Most people don't think of it this way, but when you depend on government, you not only sell your freedom, but also enslave your rights to those who wish to control you. We call ourselves the land of the free, but how can we be free when we are dependent on the government to live our lives? We will only be the land of the free if we are the...

Discover the shocking truth about the government's plan to make you dependent. In this video, we expose the hidden agenda behind the government's policies and how they are designed to control and manipulate the population. From economic manipulation to social engineering, we delve into the ways in which the government is working to create a culture of dependency. Learn how to break free from the cycle of dependency and take back control of your life. Watch until the end to understand the government's plan and how you can protect yourself and your loved ones. This video is a must-watch for anyone who wants to stay informed and awake in a world where the truth is often hidden.

#676: Ally:How can I optimize my asset allocation and Roth contributions now that I'm over $1 million in assets? I'm 45, single, never married, with about $1.2 million in assets. Roughly $100,000 is in stocks, which might scare some people. Here's my breakdown: Vanguard brokerage account: VTSAX $132,000, ISCV $5,000, VOO $5,000 Vanguard Rollover IRA: VTSAX $65,000, IVV $25,000, VOO $62,000 Vanguard Roth IRA: VTSAX $228,000, ISCV $6,000 Pre-tax 401(k): Active stock fund $218,000 (0.01% expense ratio), Equity dividend fund $55,000 (0.01% expense ratio) Russell 1000: $270,000 (0% expense ratio) HSA: $9,000 in the Russell 1000 and Russell 2000 ESPP: $90,000 Savings account: $12,000 I view my brokerage accounts as savings, where I can sell assets if I need cash, as well as sell my company shares. My questions: How far am I from the efficient frontier? How efficient is my asset allocation? I've mostly been a “VTSAX and chill” type. If I rebalance, what's the best way to do it without incurring taxes? Next year, I'll make more than $150,000, even after contributing $24,500 to my pre-tax 401(k) in 2026. Can I still do a backdoor Roth, given that I already have an IRA balance? I was told it could be complicated. Am I out of luck investing in a Roth next year? Also, should I roll over my 401(k) into my existing Rollover IRA to gain more investment options, even though the 401(k) fees are very low? I've reached over $1 million in assets, but I'm not confident my first million was invested efficiently. I want to correct it before reaching my next million. Emma: Can We Split a Dependent's Tax Status Midyear to Maximize Health Insurance Subsidies? We're a family of four with two adults and two children, ages 15 and 21. Our 21-year-old is a full-time university student and is expected to graduate in May 2026. The hope is that she'll secure a full-time job after graduation. Our health care broker told us that we could claim her as a dependent for half of the year and then have her claim herself for the second half. According to the broker, this would allow her to stay on our health insurance and help us qualify for a larger premium subsidy. Is it actually possible to split a dependent's tax status this way within a single year, or is this a misunderstanding? Anonymous: Is It Wise to Hold Some Investments Outside the U.S. for Geopolitical Diversification? I've always believed that “this time isn't different,” but lately I'm feeling uneasy. I'm increasingly concerned about what seems like a slow erosion of institutional trust in the U.S., especially regarding agencies and structures that support our financial system. From leadership changes at key government institutions to growing political influence over economic policy, I'm starting to wonder if it's prudent to hold a small portion of assets physically and legally outside the U.S. I'm not talking about exotic offshore schemes. I mean legitimate ways to invest in broad index funds or ETFs through a brokerage account based abroad—as a form of geopolitical diversification and personal contingency planning. I'd love to hear your perspective. Learn more about your ad choices. Visit podcastchoices.com/adchoices

THE AUTONOMOUS MIDDLE CLASS AS THE REPUBLIC'S FOUNDATION Colleague Victor Davis Hanson. Victor Davis Hanson argues that a stable republic relies on an autonomous middle class, which serves as a buffer between the wealthy and the dependent poor. Drawing on classical history, he warns that modern policies are "hollowing out" this class, creating a peasantry dependent on the state for survival, illustrated by government campaigns depicting adults in a state of perpetual adolescence and reliance. He contends that high taxes and regulations in places like California are driving this productive class away, leaving behind a stratified society of the very rich and the subsidized poor. NUMBER 1