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Melchizedek's Tabernacle of Victory.Welcome to Melchizedek's Tabernacle of Victory. Listen as Derick discusses biblical issues in a way that brings "Insight for your finances, leadership, and life!" This week's show is called "Restoring Family Relationships" with Derick Norris. Tune in and hear Derick as he continues to bring clarity to the Word of God.In this episode of Melchizedek Tabernacle of Victory, we explore the theme of restoring families and relationships through the lens of Joseph's journey in Genesis. We recognize the pain and discord many families experience and emphasize the importance of forgiveness and reconciliation.The discussion delves into Joseph's trials, highlighting the power of effective communication and active listening within relationships. Drawing from various scriptures, we underscore the significance of compassion, patience, and obedience in the process of restoration. Ultimately, we affirm that God desires to heal broken relationships and bless us as we embody His principles of love and empathy in our daily lives. https://www.talknetworkradio.com/hosts/mtov/mtov-podcasts
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
Melchizedek's Tabernacle of Victory.Welcome to Melchizedek's Tabernacle of Victory. Listen as Derick discusses biblical issues in a way that brings "Insight for your finances, leadership, and life!" This week's show is called "What Does It Mean To Wait? " with Derick Norris. Tune in and hear Derick as he continues to bring clarity to The Word of God.In this episode, I discuss the meaningful concept of waiting on the Lord, rooted in Psalm 27:14. Waiting is portrayed as an active engagement of hope and trust, explored through the Hebrew term "kava." I highlight that reliance on God's Spirit, as noted in Zechariah 4:6, empowers us beyond our limitations. The distinction between hearing and actively listening for divine guidance is emphasized, supported by Romans 10:17 and Isaiah 30:21.I illustrate how waiting fosters spiritual growth, referencing James 1:3-4, while stressing the importance of prayer and seeking wisdom, as echoed in Lamentations 3:26. The episode concludes with an encouragement to embrace waiting as a time for deeper connection with God and preparation for His perfect timing. https://www.talknetworkradio.com/hosts/mtov/mtov-podcasts
We kick off our series on unreleased films by discussing Roger Corman's infamously unreleased The Fantastic Four. The hosts of Movie Smash join Derick to talk about the never officially released film and the insane story behind it's production.For more info, head to underratedmoviepodcast.comPatreon: https://patreon.com/UnderratedMoviePodcastInstagram: https://instagram.com/underratedmoviepodcastTikTok: https://www.tiktok.com/@underratedmoviepodcastYouTube: https://www.youtube.com/channel/UCAbpTHWyBle7yKJv4-gR_g
Derick Lugo's first hike was the Appalachian Trail. By the time he finished six months later, he was transformed. As Mr. Fabulous, Derick has inspired audiences all over the country to get outdoors and put one foot in front of the other. Get a signed copy of A Fabulous Thru-Hike or The Unlikely Thru-Hiker at Derick's shop. Support comes from Kuat Racks Oboz Darn Tough Free shipping on any order with code DIRTBAG Ka'Chava Go to https://kachava.com and use code DIARIES for 15% off your next order. Diaries+ Members-- Their support is powering the Diaries- thank you! You can join today.
The Devil of Hell's Kitchen returns and he's brought some friends! Derick has done the same bringing Brad LaBaron from The Album Concept Hour to discuss the latest season of Daredevil as well as the Special Presentation The Punisher: One Last Kill.For more info head to underratedmoviepodcast!For more bonus episodes of ISDB sign up at patreon.com/underratedmoviepodcast for just $1 a month!
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
Melchizedek's Tabernacle of Victory.Welcome to Melchizedek's Tabernacle of Victory. Listen as Derick discusses biblical issues in a way that brings "Insight for your finances, leadership, and life!" This week's show is called "How Are You Waiting? " with Derick Norris. Tune in and hear Derick as he continues to bring clarity to The Word of God.In this episode, Minister Sheila Harris explores the theme of "waiting on the Lord," drawing from Psalms 27:14. She shares her faith journey and highlights the active nature of waiting through examples from David's life. Sheila introduces the Hebrew term "quava," which symbolizes expectation and hope, and illustrates how biblical figures like Moses and Abraham exemplified unwavering faith.Emphasizing that waiting involves prayer and service, she encourages listeners to view it as spiritual preparation for future blessings. Join Sheila for practical insights on cultivating patience, trust, and a deeper connection with God during times of waiting. https://www.talknetworkradio.com/hosts/mtov/mtov-podcasts
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-... PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
On May 19, 2026, 914INC. proudly celebrated its 16th annual Wunderkinds Awards with a special cocktail reception at the Mamaroneck Beach & Yacht Club. This year's event honored 26 exceptional professionals under the age of 35 who were handpicked by the magazine's editors for their standout talent, innovative thinking, and meaningful contributions to the Westchester community. Featured in the May/June 2026 issue, these rising stars represent the future of the region's business landscape. A warm congratulations goes out to all of this year's honorees, along with a sincere thank you to the event sponsors who helped make this memorable celebration possible.Westchester Talk Radio host Joan Franzino Derick Ansah, Assistant Vice President and Wealth Advisor at Tompkins Financial Advisors, a sister company to Tompkins Bank. With over a decade of experience in private wealth planning, including a background working with Morgan Stanley and UBS, Derick focuses heavily on financial, investment, and trust and estate planning. He emphasizes the upcoming great wealth transfer and his desire to help families navigate legacy planning in the Westchester market.
It's the end of Unscripted and all we hear is crickets. July O'Brien and Graham Pilato return to see this show off. Everyone is still traumatized. Derick's never been sadder even though he hardly ever seemed to like it. But that's what finales are for. Revisionist history and taking shots at Shia LaBouef.
Melchizedek's Tabernacle of Victory.Welcome to Melchizedek's Tabernacle of Victory. Listen as Derick discusses biblical issues in a way that brings "Insight for your finances, leadership, and life!" This week's show is called "Mighty Warrior" with Derick Norris. Tune in and hear Derick as he continues to bring clarity to The Word of God.In this episode of Melchizedek Tabernacle of Victory, I discuss the theme "Mighty Warrior," focusing on God as our protector and strength, drawing on Psalms 24 and 144. We explore the importance of obedience in receiving God's promises and the potential He sees in us, illustrated by Gideon's story. Emphasizing our identity in Christ,I highlight the power of specific prayers in spiritual warfare. I conclude with an encouragement to embrace our roles as mighty warriors, equipped to face challenges through the strength of prayer and faith. https://www.talknetworkradio.com/hosts/mtov/mtov-podcasts
Derick is on a tropical vacation, and so is the podcast! Andrea Berting of The Writer's Cut arrives to discuss Barb and Star Go to Vista Del Mar. Originally planned as a theatrical release, the film was unceremoniosly dropped to VOD as theaters were shut down, and remains criminally underseen.For more info, head to underratedmoviepodcast.comPatreon: https://patreon.com/UnderratedMoviePodcastInstagram: https://instagram.com/underratedmoviepodcastTikTok: https://www.tiktok.com/@underratedmoviepodcastYouTube: https://www.youtube.com/channel/UCAbpTHWyBle7yKJv4-gR_g
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-... PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
The Igbo Apprenticeship System—often called Igba Boi or Imu—is a remarkable tradition rooted in the culture of the Igbo people of Nigeria. More than just vocational training, it serves as a powerful engine for entrepreneurship and community upliftment. In this system, young people learn valuable trade or business skills directly from an experienced mentor (known as the Oga) over a set period. At the end of their apprenticeship, these young trainees are not only equipped with skills but are also supported by their Oga to launch their own independent businesses.This time-honored system has played a crucial role in fostering self-reliance, reducing poverty, and driving sustainable economic growth within the Igbo community, making it one of Africa's most successful grassroots business incubation models.
Melchizedek's Tabernacle of Victory.Welcome to Melchizedek's Tabernacle of Victory. Listen as Derick discusses biblical issues in a way that brings "Insight for your finances, leadership, and life!" This week's show is called "Do You Believe?" with Derick Norris. Tune in and hear Derick as he continues to bring clarity to The Word of God.In this episode of the Melchizedek Tabernacle of Victory, I address the question "Do You Believe?" and delve into the significance of belief as outlined in 1 Corinthians 15:45. We reflect on the story of 2 Kings 3, emphasizing the need to seek God in times of trouble and the connection between belief and action.I illustrate how the kings' obedience in digging ditches represents the cultivation of faith amid challenges. The discussion highlights God's transformative power and encourages listeners to embody His love through active faith, ultimately renewing their commitment to trust in His promises. https://www.talknetworkradio.com/hosts/mtov/mtov-podcasts
In this episode, I sat down with filmmaker Derick Fischer of Fishbowl Media for a live, no-script coaching session. After getting laid off from his corporate TV gig last November, Derick is officially making the leap from side hustle to full-time business owner—and he was honest about the messy middle of that transition. We unpacked his pricing, the systems he's missing, and the specific tools he can plug in this week to start filling his pipeline. Key Takeaways Your hourly rate is probably a fantasy until you track every hour. Music searches, call sheets, revisions—those "little" tasks add up to thousands of dollars in unpaid time per project. Cold outreach still works, but it shouldn't be manual anymore. Tools like BotDog and Perplexity can build your prospect list and start conversations while you're focused on shoots and edits. Lead with a low-ticket offer, not a video package. Free virtual tours, paid workshops, or strategy sessions get clients in the door before you ever pitch the bigger project. A weekly sales block on your calendar is non-negotiable. Without it, you're back on the roller coaster the second a big project wraps. In This Episode [00:00] Welcome to the show! [05:16] Meet Derick Fischer [07:49] Coaching Session [10:01] Biggest Frustration in the Business [12:08] With the End In Mind [17:20] Evaluating Cost In Jobs [20:52] Perplexity AI [24:36] Botdog AI [30:30] Having Systems In Place [35:21] Connect with Derick [35:57] Outro Quotes "If those costs are not being passed over to a client, you're giving away your time and you're giving away $1,500 worth of your skills." — Ryan Koral "You will forever be on the roller coaster, trying to find new client after new client, but without a system in place, you're just making life a lot harder for yourself." — Ryan Koral "Find the things that can run in the background, especially as a solopreneur, when you are the one responsible for everything." — Ryan Koral Links Find out more about the Studio Sherpas Mastermind Join the Grow Your Video Business Facebook Group Follow Ryan Koral on Instagram Follow Grow Your Video Business on Instagram Join the Studio Sherpas newsletter
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
Eye-opening conversation with Nell 3D (Nell Derick Debevoise Dewey) — leadership advisor, Forbes Senior Contributor, keynote speaker, and self-described Subtraction Activist.With degrees from Harvard, Cambridge, Columbia Business School, and London Business School, and 25+ years advising Fortune 500 executives at Google, Bank of America, American Express, Coca-Cola, and more, Nell has helped high-achieving, impact-driven leaders across the globe break through invisible success ceilings.After her own near-fatal wake-up call from chronic overdoing, she created the Systematic Subtraction™ and Lead in 3D™ frameworks (ME / WE / WORLD) that teach ambitious women how to stop adding more effort and start subtracting what no longer serves them — creating structural change, conserving energy, and generating compounding results in life, teams, and organizations.In this episode, Nell shares why “doing more” stops working for high performers, how to identify and release the hidden drains on your time and energy, and practical ways to align your purpose so success finally feels as good as it looks. Whether you're a leader, entrepreneur, or mission-driven professional feeling stretched thin, this conversation will give you the permission and tools to do less while mattering more.https://www.nell3d.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.Subscribe now at YouTube.com/@RefocusedNetworkThank you for your time.
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
Derick makes the possibly questionable decision to bring YouTuber, and his own brother MarshalLaw, on to discuss this sports comedy. With a paltry box office return and decent reviews the film has largely been forgotten, but we're bringing it back!For more info, head to underratedmoviepodcast.comPatreon: https://patreon.com/UnderratedMoviePodcastInstagram: https://instagram.com/underratedmoviepodcastTikTok: https://www.tiktok.com/@underratedmoviepodcastYouTube: https://www.youtube.com/channel/UCAbpTHWyBle7yKJv4-gR_g
Ep 80 - Derick goes solo to make sure you dont miss a thing! If you like what your listening too, please subscribe and if don't mind, leave a positive review on your podcast app! We do not own the rights to any music used but sure enjoy the great sounds! Social Media : X @utwpod FB @utwpodcast email: underthewatertowerinfo@gmail.com Sponsors that make show happen: Brian Couch of Team Couch of Burch Realty - Teamcouch.com office 662-449-1700 Cell 901-461-7653 Alley Ejlali Alfa Insurance - Office number 662-893-0928, Cell 1-843-324-0930 Skinner Tech Group - 662-399-2400 Desoto Family Dental Care 662-429-5239 Michael Hatcher & Associates (901) 755-3207 Hatcherlandscape.com Salt Chapel wedding venue and event center- Saltchapel.com 662-278-0198 **
Myles Toe and Derick Gonzalez join Derek and Geo for one of the most vulnerable episodes of On The Gate yet. We kick things off with a breakdown of the Gucci Mane and Pooh Shiesty case before spiraling into a series of wild hypotheticals involving kidnapping celebrities, the "black market" value of humans, and surviving the end of the world.Myles shares a legendary story about a homeless survival tactic, while Derick clears up some misconceptions about his heritage and demonstrates his sign language skills. We also dive into the Black Sox scandal, why Derek is upset with the state of the podcast.ON THE GATE! ENJOY!Original air date: 4/13/26Join the live chat Wednesday nights at 11pm EST. Uncensored versions of the show streamed Monday and Thursday at 2pm EST on GaSDigital.com. Signup with code OTG for the archive of the show and others like Legion of Skanks, In Godfrey We Trust, and Story Warz. FOLLOWGeo PerezInstagram - https://www.instagram.com/geoperez86/Derek DrescherInstagram - https://www.instagram.com/derekdrescher/On The Gate! A podcast hosted by two jailbird/recovering drug addicts and active comedians Geo Perez and Derek Drescher, who talk each week about their times in jail, what they learned, what you should know, and how they are improving their life or slipping into recidivism each day!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
Hidden Killers With Tony Brueski | True Crime News & Commentary
Kendra Duggar has her own attorney, her own charges, and her own recorded jailhouse statements now in prosecutors' hands. Joseph's sister-in-law Anna reportedly emailed him in jail warning that everything is recorded. Jim Bob and Michelle called themselves "heartbroken" through a spokesperson. Jill and Derick said "unspeakable." Amy called the family a "toxic system." Every one of those words is now part of the public record — and criminal defense attorney Bob Motta questions whether a single person in this family's orbit is actually helping the defense.Motta examines the legal exposure from every angle. Kendra's separate misdemeanor charges in Arkansas — endangering the welfare of a minor and false imprisonment — came after a home investigation reportedly revealed exterior locks on the children's bedroom doors. The family spokesperson's insistence that Kendra's charges are "totally unrelated" to Joseph's Florida case faces a basic problem: the home investigation only happened because of Joseph's arrest. Motta breaks down whether that claim can survive scrutiny, what the recorded communications mean for both defendants, and how the documented Duggar family pattern of exterior door locks — first reported years ago in connection with Josh's abuse — could become the prosecution's framing device for the entire case.This is an investigation into whether the people around Joseph Duggar are building his defense or building the prosecution's case.All allegations are based on court records, law enforcement statements, and published reporting. All individuals are presumed innocent until proven guilty.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#DuggarFamily #KendraDuggar #JosephDuggar #DuggarExposure #TrueCrime #HiddenKillers #19KidsAndCounting #JailhouseCalls #ArkansasCharges #DuggarAccountability
Its been long awaited but the moment is finally here! Derick brings on Bat-expert Cole Garrison to discuss the oft-criticized and under appreciated Batman v Superman. And we wouldn't be doing it justice unless we talked about Zack Snyder's true vision with the Ultimate Edition!For more info, head to underratedmoviepodcast.comPatreon: https://patreon.com/UnderratedMoviePodcastInstagram: https://instagram.com/underratedmoviepodcastTikTok: https://www.tiktok.com/@underratedmoviepodcastYouTube: https://www.youtube.com/channel/UCAbpTHWyBle7yKJv4-gR_g*April Fools, its Batman & Robin.
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
Send us a text about your favourite films relating to the episode.This week on the podcast as Zendaya is a very big year ahead of her on the small screen and very much so on the big screen. One of those films is The Drama a dark comedy where Zendaya is starring along side Robert Pattinson. So this week we'll be focusing our attentions on Zendaya body of work. Joining me to talk all things Zendaya films is a debutant, Derick from the Underrated Podcast. Warning we will be talking SPOILERS.Martin's turn for part two and is naturally going for Dune: Part Two. I'm saying the best sci film and sequel for quite a while. On this one we talk about how Paul struggles with his destiny and everything to do with how that plays out. We talk about the incredible cinematography. We talk about the incredibly well balance and spectacular action scenes. Plus we talk about worm piss. IMDB page Underrated Podcast LinktreeFVF Social linkstwitterinstagramTikTokAs ever please enjoy. Support the show
It's a bird! It's a plane! It's that goat looking guy from Narnia! Welcome back to another episode of the Hunt Lift Eat podcast. We are ecstatic to have the man, the myth, the legend, Derick Bosley on the podcast with us this week. Derick is a seasoned Army veteran serving in the Army's 75th Ranger Battalion as a combat medic, multiple tours overseas, and somehow still has all his fingers. After the Army, Derick pursued numerous avenues of employment with his most recent being the founder of Stand To Blade where he has consistently been named "employee of the month" for over 20 months straight. At Stand To Blade, Derick makes a series of home designed and crafted knives, daggers, and axes. In addition, Derick has also dipped his toes in leather working making some cool items such as belts and wallets.
Send us a text about your favourite films relating to the episode.This week on the podcast as Zendaya is a very big year ahead of her on the small screen and very much so on the big screen. One of those films is The Drama a dark comedy where Zendaya is starring along side Robert Pattinson. So this week we'll be focusing our attentions on Zendaya body of work. Joining me to talk all things Zendaya films is a debutant, Derick from the Underrated Podcast. Warning we will be talking SPOILERS.First timers always go first, usually. Derick is going for arguably Luca Guadagnino best film to date, Challengers from 2024. On this film we talk about how uniquely structured it is around a tennis match. We talk about the brilliantly conceived love triangle and messy their relationships are. We talk how Luca Guadagnino approaches the tennis action in this. Plus we talk about, well yeah, three way kissing. IMDB page. Underrated Podcast LinktreeFVF Social linkstwitterinstagramTikTokAs ever please enjoy. Support the show
FOLLOWING JESUS If you are making a decision to follow Jesus, click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
What if the reason you're exhausted isn't because you're doing it wrong — but because you're doing too much? Nell Derick Debevoise Dewey (Nell3D) is here to challenge the most dangerous assumption in modern leadership: that progress always comes from piling more on. In this episode, we unpack: Why high-capacity, values-driven leaders are drowning in ambition — not lack of it The Leading in 3D Framework: aligning Me, We, and World as a stable, sustainable triad — not a trade-off What Nell learned the hard way — from frontline work in the West Bank to a head-on collision with a 10-ton truck — about the cost of doing too much The three-step subtraction process: Stop (gather real data), Drop (minimum effort for desired results), Roll (connect to the system) What horses can teach corporate leaders about energy conservation, minimal communication, and detecting inauthenticity Nell Derick Debevoise Dewey, known as Nell3D, is a Harvard-trained subtraction strategist, author, and speaker. Based in Montana, she blends systems thinking, equine wisdom, and two decades of global leadership development to help difference-makers lead with more impact, not more effort. TIMESTAMPS [00:00] Introduction — why exhausted leaders are struggling with too much, not too little [01:26] Interview begins [00:49] From the West Bank of Palestine to Manhattan: making a difference in different contexts [04:42] The upstream metaphor — who's throwing babies in the river? [07:45] The Leading in 3D Framework: aligning Me, We, and World [11:19] Personal sacrifice, loss, and what Nell learned the hard way [13:05] A head-on collision and the birth of systematic subtraction [16:34] Subtraction is not minimalism — it's a systems approach [21:41] Step 1 — Stop: the most important step most leaders skip [25:35] For difference-makers: why helpers are the worst at helping themselves [28:24] What horses teach us about leadership, energy, and inauthenticity [33:53] Predator-prey dynamics in corporate environments [36:08] Navigating bullies: energy conservation in practice [40:25] How to find Nell and access her Substack Join us for an exclusive episode with Nell here on Patreon. Find Nell at: nell3d.com | Free Mini Course + 90-Day Guest Pass: nell3d.kit.com/stopdroproll Subscribe, leave a review at aworldofdifferencepodcast.com/reviews/new, and share this episode. Visit aworldofdifferencepodcast.com for more resources, including our Patreon exclusive with Nell. Learn more about your ad choices. Visit megaphone.fm/adchoices
FOLLOWING JESUS If you are making a decision to follow Jesus, Click here: https://www.xrchurch.com/new-life-in-jesus PRAYER You can share your prayer request or praise report by clicking here: https://www.xrchurch.com/prayer JOIN US IN PERSON For location & service times https://www.xrchurch.com/visit GIVE Thank you for your generosity! To worship the Lord through your giving and support the growth of what God is building through Crossroads Church, click here: https://www.xrchurch.com/give
Derick doesn't know what to say about that time HBO made prestige TV for babies.
Kiera is joined by Derick Van Ness of Big Life Financial to talk about taxes, and how to handle them beyond simply thinking of them as a necessary evil. The pair discuss knowing your numbers, utilizing tax credits, the magic touch of a CPA, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team Listeners, this is Kiera. And today I am super excited. This is one of our top favorite guests that has been on the podcast. We're bringing him back on because there are some new updates and our clients love him. I love him. He is incredible. Derick Van Ness, he is with Big Life Financial. And you might have heard him on the podcast before talking about R &D credits, tax saving ideas, CPA. This man does a lot of your wealth and how to build and keep your wealth. So I always love our conversations and just like his good information. Plus, if I remember right, he might know Garrett Gunderson. So obviously I've been a fangirl since day one. Derick, welcome back to the show. How are you today? Derick Van Ness (00:42) Well, I'm doing great and really happy to be here with you, Kiera. I'm not Garrett Gunderson because he is taller and better looking, but I'm a good second place. The Dental A Team (00:48) Ha ha ha! I think that you're great. The fact that you know Garrett Gunderson, that already just has elevated you. I mean, I think it was one of our first conversations we ever had. And I was like, have you ever read like Killing Sacred Cows? And you're like, I actually know Garrett Gunderson. I was like, what? Fangirling. So ⁓ anyway, Derick, for those who have not met you, haven't heard your episode, because we do have new listeners to the podcast. Just kind of give them a little intro of who is Derick Bennis? What is Big Life Financial? And give the listeners a little intro to who you are. Derick Van Ness (01:20) Okay, well outside of being ⁓ in love with my wife, in love with art and in love with racing sailboats, what I do professionally is I help ⁓ doctors and dentists to be smarter with their money. So what does that mean? That means how do you, not so much to make it, I mean we do help people scale, but once you make the money, which is something a lot of dentists are good at, how do you keep it through tax savings? How do you grow it and how do you protect it, right? And today we're going to talk a little bit about how do you keep more what you make? Because honestly, for dentists, even though taxes seem boring when you don't have to write that $50,000 or $100,000 or $200,000 check, it gets a lot cooler. If you would have told me I'd be a tax and financial guy when I was a kid, I probably would have just taken an early exit somewhere and jumped off a bridge. But I really see money in what we do as a lifestyle business. It's not about money. The Dental A Team (02:01) Yeah. Derick Van Ness (02:17) If you have enough, then money is what it is. When you don't have enough, it's a problem. And I just find for a lot of people, it's the reason or excuse that they constrain themselves. They don't spend time with family. They don't think do things that they want to do. They don't have the experiences that are going to change their life. So when we can get money out of the way, then you can live your big life, which is why the company's big life financial, because it doesn't matter if you have more or less money. The question is, what's the life you're living? What's your quality of life? And so taxes are a big piece of that. Obviously we can't talk about everything on a podcast like this, because you'd be buried under a ton of bricks. But that's what I do is I try to make this stuff easy. I try to make it fun. And I want you to realize that the whole point of all this money stuff is so that you can live a life you want to The Dental A Team (02:55) You Which Derick, that's why we have connected. You have met my husband. have had personal conversations outside of the podcast because I very much align and subscribe to this lifestyle and this mode of thinking. I believe that practices should work for us and us not work for our practices. I believe that we became business owners to have these big lives and these, audacious dreams. And yet I feel so many people live below their, their potential. They are trapped. They are. Derick Van Ness (03:33) Mm-hmm. The Dental A Team (03:34) It's crazy. I ⁓ had a client and she actually made so much money last year, which was amazing because the year before she was like, Kiera, I want to make more. So I was like, great, we're going after profit and production like blinders on. Don't talk to me about anything else. And she had like a crazy year and she's like, great. Now I have this huge check. I've got to write in taxes. And I was like, not my problem. Like you need better CPA help on that, but glad we made you the money. But I bring that up because one, it was a huge win for a client, but two, Derick Van Ness (03:52) I don't know. Yep. The Dental A Team (04:02) I think that people being able to keep the money that they make, hold on to more money that they make. Like I love that we live in America and it's a free country and that we get to pay taxes. Like I'm so freaking grateful for that. With that said, I do not want to pay one penny more than I need to. And I want to maintain and keep as much as I possibly can to live the life I want and to not feel the guilt of being a successful business owner and to do the fun things that I always imagined and dreamed of doing without the guilt of doing it. And I think so many people are so scared of. Derick Van Ness (04:11) Yep. The Dental A Team (04:32) being financially free, they're scared to spend money. They get hit with tax burdens left and right. I can't tell you how many dentists that I hear at the end of their career and they've had great careers, but they have no financial stability. like, Derick, this is the stuff that stresses me out and keeps me up at night and which is why you're on the podcast because I want people to be smarter. want them to be more educated and I want them to live happier lives. So let's walk through like R and D credits and CPA and like how people can live a more enriched Derick Van Ness (04:33) Mm-hmm. Yep. The Dental A Team (05:02) big life today rather than waiting. I think it's just a fun topic to talk about. I'm intrigued, so let's talk about it. Derick Van Ness (05:07) Yeah Well, let's do. mean, we can start generally with taxes and then we can kind of move into the credits piece because it is like a it's just a small very segmented piece of what you do with your taxes. overall, the biggest thing I see is most people see taxes as like a necessary evil. This is the thing I have to deal with. When people see something as a necessary evil, what do they do? They do the minimum. Right. And what that really turns into is You're not talking with your CPA. You're not coordinating with them. You're not being proactive. At the end of the year, you just want to do the least. So you just hand them all your stuff. I realize people don't come in boxes anymore. Now it's like, here's my QuickBooks password. Or I add you to my account. ⁓ And then they tell you how much you owe. But if you ran your business that way, if you just didn't look at anything all year, and at the end of the year, you're like, I wonder how we did. Wouldn't go so well if you didn't talk to your team about anything. What's that? The Dental A Team (06:01) People do that though, Derick. They do it all the time. This is not abnormal. They do it all the time. They're like, my gosh, I owe how much? my gosh, we didn't hit goal. And I'm like, ⁓ let's at least look at our numbers. Like that's step one. Step two, let's talk to our team. You're not wrong. I'm just shocked at how many people do this in real life. And I'm like, hey, there's a different way of living. like, maybe let's take that path. Just try it out. It's like t-shirt. Try that one on. It might feel better than your current oversized, like two baggy of clothes that don't fit. And then you're angry. Derick Van Ness (06:11) I know. The Dental A Team (06:30) the time. anyway go on didn't mean to interrupt the rant. Derick Van Ness (06:32) What if I'm gonna be a Gen Z VSCO girl? I I want the Oversight T-shirt and the angst. The Dental A Team (06:36) Well, as I said it, as I said it, I was like, well, that's like the current style. Like what's uncomfortable clothing? Maybe it's like the wool scratchy. I just came back from Iceland and I'll tell you what, I didn't buy a single shirt there. I was like, that is gonna scratch me. I know it's warm, but I'm not wearing that for the rest of time. Like there are softer clothes in this world that are equally as warm. Like I'll choose that. So that maybe you're wearing a wool scratchy sweater. Cause you never look at your numbers. You're always irritable. You're always angry. Maybe you might get the oversized hoodie that's way more comfy. Maybe that's the better analogy for today. Derick Van Ness (07:07) Well, and so you help them look at their numbers, right? What's your P &L? What are your KPIs? There are tax numbers too, right? Like I'm usually meeting with clients in September-ish to say, OK, how much have you made so far this year? What does that put us on track for December 31st? And then we have November, I'm sorry, September, October, November, December to do things to get that number at the end where you want it to be. I'm not talking about go out and spend $1. to save $0.40, right? People do that. Oh, go buy a car. If you don't need a car, that's just a waste of money. I literally had someone who's like, should I just buy a G-Wagon? I'm like, only if you were going to buy a G-Wagon anyway. They want the tax break, but. The Dental A Team (07:45) I mean, I asked that question too. I mean, I do. I do ask it as well, but it's unnecessary. You're right. Like, so I can repel you you're not going to do it. Don't just because you get the tax benefit. You just have to pay the money. So, but I do ask because I want to know, just tell me I can buy the boat, Derick. Derick Van Ness (07:58) Yeah. Well, boats are totally different. They're way more fun, but they're also way more expensive to maintain. So I love boats. I absolutely do. But they are not cheap, right? As the saying goes, break out another 1,000. That's what boat stands for. Just go to the ocean and throw $1,000 in it every month. That's what owning a boat's like if you don't use it. The Dental A Team (08:05) They are not. I know. gosh, I've never heard that. That's hilarious. That's hilarious. I've heard like the best day and worst day of owning a boat is the day you buy it and the day you sell it. Like that's the only best days. I have a boat. I do love the boat. It is an older boat. things I'm not... Maybe mine's like break out a 10 because we've got a much older boat. But like, know, when we upgrade then we'll be in the thousand realm. ⁓ Derick Van Ness (08:28) So. Yep. Yeah. Yes, yes. So boats are great. Not usually the best tax strategy. But the big thing here is when you sail a boat or when you drive a car, I heard this the other day and I thought it was perfect. It's like when you drive a car, what's bigger, the windshield or the rear view mirror? Most people are doing taxes in the rear view mirror. That is not about your expansive future. That's about recording your past, right? And so if you just did business planning one year at a time, Like you wouldn't ever buy the building. You wouldn't ever invest in the equipment. You wouldn't ever invest in the education, right? It's the same thing for taxes. It is part of a cohesive and ongoing plan. ⁓ so when you want to plan that, we have to look into the future. And so looking into the future allows you to control your income, control your expenses. But you have to know your numbers to your point, right? Like if you don't understand a P &L, It's really hard to do tax work because we don't know what your income is. And I have some clients who come in that way. And I have to really get them to understand that if you don't have good books, you don't have good data, it's like trying to do dentistry without a diagnostic. You just go in and start drilling teeth to see what's happening. No, you wouldn't do dentistry that way. Don't do that way with your taxes either. should I just buy this and I'll just buy that and randomly and I help those work out? Your P &L is really like your diagnostic, right? Both on the income side, but also that's related to taxes. And so I think the big thing for people is think of taxes as an additional income stream. If you do this right, you can keep, like a lot of dentists pay 40 % or more in taxes, right? So if we can cut that from 40 down to 20 to 25 % on average, that's 15 % straight to your bottom line. And it probably takes an average of two hours a month at most, which is pretty good, right? Like if you could add a new service into your business, no employees, no marketing, no overhead, two hours a month, but profits went up by 15%, would you take it? Most dentists would say, yeah, that six figures is pretty good. The Dental A Team (10:53) As long as I'm not going to jail, Derick, I don't want to go to jail. That's my only line. Like, how is this legal? Because so many people talk about tax strategy and my line is I'm willing to live in the gray, I'm just not willing to go to jail. So how do you go from 40 to 20 that's legal and ethical? Derick Van Ness (11:01) you Yeah, we don't want to go to jail. Yeah, so there's two things. There are lots of little things. So research and development credits, which we'll get to in a minute, is one of those things. It's not little. I would call it a medium thing. For a lot of dentists, it's worth between $10, depending on the size of your clinic, $10,000 $50,000 a year. So it's sizable. And then there's all the pay your kids, cost segregation, salary and dividends, all that kind of stuff. And those things stack up. If you pay your kids right, then that can save you The Dental A Team (11:21) I agree, I would too. Mm-hmm. Derick Van Ness (11:40) 10, 15 grand if you're in a state where you can pay your state taxes and have a federal write-off that might save you 10, 15, 20 thousand dollars a year. Taking a salary, the proper salary versus dividends that might save you another 10 or 15 thousand. So these things start to stack up but when you're in that 500,000 plus tax bracket there are things like and I can't totally get into details because this is stuff for accredited investors and I don't know who the listeners are and all that but there are Investments you can make that have big tax breaks, right? And that could be everything from energy types of things to short-term rentals, different types of real estate. There's a lot of different stuff, right? So that sort of depends on what's the life you want to build and aligning that. ⁓ There are lots of charitable and donation type strategies where you can create some really big tax breaks. There's entity structuring, ⁓ where you take your income and how you take your income matters. So you can really layer all of this stuff and make huge chunks, take huge chunks out of your business. The bigger you are, the bigger you can do with these things. And honestly, once you get over a million plus in income, then there's another layer of stuff you can do. It's just a lot of times the setup costs, you have to have enough tax burden to make it worth it. But there's some really neat stuff out there. And some of the stuff with the big, beautiful bill. ⁓ bringing back bonus depreciation. There's some really neat things where, oh, if you do a solar thing, you can get some credits, but then you can also get all the depreciation in the first year. And so you put in $100,000 into this type of investment. You may not make a lot of money, but you might get $150,000, $175,000, $200,000 worth of write-offs on your taxes. And when I say write-offs, mean dollars you don't pay, like true credit dollar for dollar. That could be huge, right? Things like that. The Dental A Team (13:10) Yes. Right. Derick Van Ness (13:38) that a lot of people are just unaware of. And don't take that as an investment advice. I'm just telling you about things that exist in the world that may or may not be for you. Check with your financial professional. But yeah, you start stacking all these things up and you go from, I wrote $150,000 check to, I wrote a $60,000 check. And then what I like to do is help people take that 90 grand you would have given to the government. And now let's add that to what you would already save. And for a lot of people, that's The Dental A Team (13:47) That's amazing. Derick Van Ness (14:07) a lot more than they were already saving. So we more than doubled their savings rate. And the fastest thing you can do to build wealth is just get more money into the equation. So that's really it is we're trying to create money that you can then put to work for you outside your business. Because what nobody ever tells you is, even if you're an amazing dentist and you make all this money and you sell your practice for top dollar, and you get all that money, you become a professional investor. The Dental A Team (14:27) you Derick Van Ness (14:36) And if you don't have any investment skills, if you don't know how to put that money to work, if you don't know how to protect it, you're just a lamb to the slaughter. You know, everybody shows up, they got an idea. Your brother-in-law wants to start a coffee shop or a brewery. Your neighbor has the next best tech app. And all of a sudden, all this money just starts disappearing because you're not seasoned. So one of the things we like to do is get people doing these types of investments, learning, getting a skill set around it so that when you do get that big big shot when you sell your business or you have those huge tax or those huge years and you don't pay all the taxes, you know what to do with the money. Because that's a whole different skill set than running a dental clinic. The Dental A Team (15:17) I don't disagree. And that's why Derick, I love having you on here. And I think your comment of the goal is to get more money to put into the equation. What are the things like, I have 90 grand or I have 150. What are some of those investments that, again, realize that we're being generic and there's a reason you have to be generic is because there are rules that financial planners, advisors, CPAs have to abide by. in general terms, Derick, what are some of the ways that Derick Van Ness (15:25) Mm-hmm. The Dental A Team (15:45) you found to generate higher levels of wealth? We're putting more money into the equation, but what's the equation that's going to get it? And again, I know this is very, I would say like vanilla. We're just talking very much basic. Derick Van Ness (15:56) Yeah, yeah, I'll just give you the principles, right? The philosophy behind it. One of the things is we always, all of our lives we've heard diversify your assets. Diversify, diversify, diversify. The Dental A Team (16:06) all weather portfolio, Ray Dalio, right? Like you got to get it everything, have it all. What is it like? think eight uncorrelated assets or something like that is what it should be. Anyway, there you go. Okay. Derick Van Ness (16:09) Yep. 8 to 16 non-correlated asset classes. Yep. And the idea here is this. It used to be that you could put your money in the stock market. And each individual stock did its thing based on what its performance was. Since the late 90s, early 2000s, everything's kind of gotten grouped together. Almost everybody just buys the S &P 500 or just buys index funds, which is basically the whole market. And so if you look at the top five stocks, which are usually the Google, Apple, Tesla, Nvidia, depending on one or two others, ⁓ whatever they're doing is usually what the market's doing, right? It all has a tendency to ebb and flow together because it's all been chunked together. So I don't see those all as different asset classes anymore. How I personally invest, I'm not saying you need to buy into my ideas, but so you can have money there. But then I do think you want to have money in other things. that maybe aren't tied to the stock market. Maybe you've got some oil and gas. Maybe you've got some farming communities in Central America. Maybe you've got someone who's doing senior living homes, someone who's developing all these empty office buildings. And they're all tied to different things. So that way, if the stock market takes a dump and goes down, that's not all your portfolio. Maybe it's 15 or 20%. if real estate takes a hit. Yeah, your real estate takes a hit, but maybe something else does well. Having things in your portfolio that if some of them struggle during inflation, some of them do well during inflation, right? Things like gold that holds its value. And so the idea is to be able to put your money to work in a way where it's in a bunch of different buckets that aren't all tied to the same thing. And what that really creates is stability, right? And why that's so important is when you're growing your money, The Dental A Team (17:46) Mm-hmm. Derick Van Ness (18:09) You can have the ups and downs a little bit, but when you go to start pulling money out, the volatility, the ups and downs are what really kill your ability to pull money out, because you have to always protect against the downside. And it's why if you look at the market historically, it'll go up, depending on who you ask, 6 to 8%. But when you're pulling money out of the stock market in retirement, the numbers say sustainably over the long term, you can only pull 3 to 4%. Why is that? You would think, ⁓ I can pull. The Dental A Team (18:21) Mm-hmm. Right. Derick Van Ness (18:38) six to eight, but it's three to four because of the volatility. If you are counting on that, it crashes that year and you sell. Then when the market recovers, you have less money to recover with. And over time that stacks up. So the idea there is to work with someone who has the ability to put you into different asset classes, help educate you. This also gives you a chance to try different things. So you can start to get that seasoning we were talking about and learn how money really works because The Dental A Team (18:43) Right. Derick Van Ness (19:09) You know, money, health and relationships are the three things that really dictate the quality of your life. And it's funny, we don't spend a lot of time in them in school, right? And so, ⁓ so it's something you have to learn, just like if you don't learn how to take care of your health, you suffer. If you don't learn how to have good relationships, you suffer. And money is another thing. All of those you can get help with, but at the end of the day, you have to be able to be competent enough. to get the results you want. And money is just one of those things. The Dental A Team (19:40) Yeah. No, Derick, that's a, think it's such a good way to look at it. And I will say, I was very much a baby investor and I think I still would qualify myself as pretty naive. But it is, they say like, I don't know, what is it? The eighth wonder of the world is compound interest. And it's crazy because when you start out and you just get started on your investments, it feels like this is stupid. At least I have, I've so told many financial advisors, feel like they like, Derick Van Ness (20:04) Mm. The Dental A Team (20:07) money monster. So it's like the cookie monster. Like I give my money to you. I never can get it back. I have no clue how to access this money. And then you start to see it and you're like, wow, that started to compound and this started to become different. And we had our first year with it. We didn't have to write such a large check to the IRS and done legally and ethically. And I was like, wow, this is a very different world that I'm living in than I have been. And it wasn't as hard as I thought. And so I, like you said, I do feel like you're Derick Van Ness (20:11) Yeah. The Dental A Team (20:33) comfort level and they do say that women tend to be better investors than men because women, we just put money in, we give it to you. We're like, here you go. We don't ever like go check it and watch the stocks. Stocks. Whereas men are like, cons I'm like looking at those stocks, like my husband checks it like 10 times a day. And I'm like, just don't even look at it. Like I don't even, it's the cookie monster, the money monster. You take the money. I know you haven't like taken it. People get angry with me. They're like, Kiera, we can't legally take your money. And I'm like, no, but I just have no clue how to access it. They're like you email. And I'm like, I know. Derick Van Ness (20:44) Right. Yep. In your brain, right? The Dental A Team (21:02) but it like stocks and then I got to pay taxes and I don't understand any of it. But I will say, I think it's like PNLs, the language of money, the language of investing. It's a skill that you are learning. And I do agree, the younger you can learn this, the more time you have to recover if you make mistakes and versus having to be perfect later on in life. So I really very much subscribe to your model of thinking. And I love that. I love that you've talked about taxes, how to save, how to get it into Derick Van Ness (21:11) Mm-hmm. The Dental A Team (21:31) Again, I remember I sat in a Tony Robbins wealth mastery thing. Ray Dalio was in the room. had no clue who half like Paul Tudor Jones. I think that's his name. Like so freaking smart. I had no clue who these people were. And like here you've got like five billionaires sitting in the room with us. And I was like, I had no clue. And they start talking about this stuff. And I feel like an idiot, but I will say it's an idiot that I love to be because the more I learn about the more I'm involved in it, the more you expose yourself, the more you learn how it works. Derick Van Ness (21:38) John Paul Tudor, yeah. Yeah, I remember. The Dental A Team (22:00) And I think like what you're saying, Derick, I just hope people talk to your financial advisors, get your uncorrelated assets, start building that portfolio because time, like they say, you only have so much time and the best time to plant a tree was like a hundred years ago. The next best time is today. And I just, I don't want to be that person when it comes to my portfolio where I wish I would have started. All of us will wish we started sooner, but I am grateful that we started as young as we were and are building it the way we have versus Derick Van Ness (22:23) Yes. The Dental A Team (22:28) waiting until like, and I don't care if you haven't started then start today. If you've been doing it, figure out how you can do more. ⁓ But I think Derick, I have a question of, I always live in scarcity. So what do you tell a client like myself where I'm always afraid that I'm going to run out of money. I don't know where it comes from. It doesn't matter how much I have. I have acorns upon acorns upon acorns. I swear like you've probably can find money in my couch. I'm not that bad. I don't have it in the couch, but like, Derick Van Ness (22:32) Yep. The Dental A Team (22:54) How do you get to a level where you feel comfortable spending money rather than just always saving for retirement and not living today? What's the balance of that? Derick Van Ness (23:03) Yeah, so what I've discovered working with over 2,500 people on all of this, Kiera, is like money problems don't like quote unquote go away. They just change. In the beginning, it's like, how do I make money? I don't have enough money. How do I manage the car payment or whatever? Then you make a little bit more and you're like, okay, now I'm past survival. Like, how do I start to grow? Right? So you invest in yourself, your business, your education, whatever. Then you start to grow some more. Then you start saying, okay, now I'm growing and I'm making money and I'm living a decent life, but how do I build for the future? So it's not just the now, then it's the future, right? And then what happens is you definitely get to a point, at least I've seen this for myself and a lot of clients is you start to make a good amount of money and the problem becomes how do I make sure that this doesn't ever go away? Right? Like now I'm living this really good life and I can travel and I can spend time with family and I can do the things that I want to do. And I can buy nice clothes or go to nice dinner or do nice things for my kids or whatever your thing is. And I don't have to think about money. But then there's this fear of like, what if I lose that? Right. And going back. And so the money problems just change. I believe it's an instinct that's built into us. Like the monkeys that ate bananas and then just stopped worrying and didn't hoard them. ended up dying faster than the ones that hoarded them, right? And so, like, I think it's an instinct to be paranoid, to be fear-driven, and that's where we have to, as humans, understand our wiring and say, my wiring is for survival, not for happiness and fulfillment, right? Because survival is what reproduced. Happiness and fulfillment, especially in a scary world of survival, ⁓ doesn't do very well. The Dental A Team (24:27) Sure. Derick Van Ness (24:52) Right? So, so we have to try to rewire our brain as much as we can. ⁓ And I think the biggest thing is to focus on a big future, a big vision. When you're moving towards something, then you're not focused on moving away from something. When you're in fear, you're, moving away from something. I'm moving away from failure. I'm moving. I'm trying to avoid losing money. I'm trying to avoid running out, trying to avoid making a mistake. You know, this about business ownership, like you can't avoid the mistakes. You just try and minimize them. and learn from them as fast as you can. Like making mistakes is part of success and nobody says it that way, but I think it's really, really important to get that. And when you're moving towards something, you're in abundance, you're in striving, you're in goal oriented, whatever your thing is. And that doesn't have to be about money. That could be, I wanna be a great parent. I wanna get in better health. I wanna have more free time and make the same money. So this isn't like just a money conversation, but when you're moving toward those, you have a tendency to lose your fear. I think it's when we aren't sure where to go next that we get afraid of losing ground and we do that. And so I think sometimes it's just a matter of clarity and reminding yourself, where do I want to go? What am I building? Like once you get past a certain point, like, you know, once you get past a certain amount of income or a certain amount of wealth, it's not about money anymore. Right. It's really about contribution. It's about impact. And I think when we, our mind can really only focus on one thing at a time, especially as men, ⁓ women are much better at seeing the big picture. ⁓ But, but really when you're focused on something that holds your attention and then it doesn't drift to some of the other stuff as much, it doesn't mean you won't. Cause I'll tell you, I'm at my most vulnerable when I wake up in the morning and my brain starts doing payroll and all these other things. And like you said, The Dental A Team (26:26) you Derick Van Ness (26:47) I have enough cash stored away that I could not make a dollar for a year and still pay for my whole business and do the whole thing and be fine. But that doesn't mean that that instinctual part of me doesn't freak out for a minute until I come in and say, hey, we're building massive things. We're changing people's lives. Let's just focus on that and let the rest take care of itself. That really is the best thing for me is to focus on where I'm going, not where I'm afraid I might end up. The Dental A Team (27:15) Absolutely. I think that was good. Good wisdom there. You are the person, if you guys have heard me talk about it on the podcast, this came from Derick. He's the one who's told me it's a return on emotion, not necessarily a return on investment and like what helps you sleep at night, what helps you stay there. And I love that you talked about like it is a survival instinct. It's not a bad instinct. so loving that side, but also tempering it so that way we can enjoy the fulfillment. And again, I also think that there becomes confidence in yourself. I think enough. enough business crashes, enough mistakes, enough things where you come back from it also teach you that there's certainty within yourself that no matter what comes your way, ⁓ you know that you'll be able to survive it, you'll be able to come. Someone told me once, it's not unsafe, it's just uncomfortable. Unless someone's running at you with like a knife and it's truly life threatening, it's like if the stock market crashes, that's like we're still safe, it's just going to be pretty dang uncomfortable for a little bit. If we become bankrupt, Derick Van Ness (27:47) Mm-hmm. Mm-hmm. The Dental A Team (28:13) We're not unsafe, we're just uncomfortable. And that has given me a lot of, I think, temperance on when you think about finances, like that'd be uncomfortable, but I am still safe and I would still be alive and we can come back and we can figure things out. So Derick, I know we wanted to pivot gears and talk R &D credits, because this is something that's new. yeah, let's kind of chat that because I think we've gone through tax strategy, building wealth mindset around ⁓ how to maintain and have that. Derick Van Ness (28:30) Well, yeah, we'll keep it short here. The Dental A Team (28:42) return on emotion and building those skills. And I really love that you just said money issues don't ever go away, they just change shape. And I think that that's the same as business, right? Business problems just become a different flavor and different color. ⁓ But now let's talk about like some R &D credits because we've talked about R &D. I've seen several clients do very well on R &D credits. So was excited to hear like, they're back and they're back again, and they look a little different. So I'm excited to hear if you guys don't know what they are, Derick will definitely explain them and how you can. Derick Van Ness (29:02) Yep. The Dental A Team (29:08) Dental practices are ripe for the picking of R &D, it's exciting to have a resource for dental practices. Derick Van Ness (29:15) Yeah, dental practices really are because the R &D credits are designed when you do new things in your business that are based in technology. And that could be computer science, engineering, biological science, or physical science, like chemistry, ⁓ which dentists are doing all of that stuff. So when you do new stuff in your business, the government realizes you're taking a risk. You're trying a new implant system. You're trying a new ⁓ a new type of diagnostic, you're trying a new flow for your patients, whatever. Sometimes it blows up in your face. I everybody listening here has tried a new piece of software and after six weeks you wanted to throw the computer out the window and you're like, we're going back to the other one, we got to find something else, right? ⁓ Or we tried 3D printing and it was just really, really hard and like some people love it, some people hate it. But at the end of the day, every time you take that risk, the government knows that you could lose money. The Dental A Team (29:57) Totally. Derick Van Ness (30:11) So the R &D credits are really their effort to say, don't stop innovating. Don't stop trying to get better. We know you're going to take some skin, knees, and elbows along the way. And we're willing to give you some credits to help with that. so ⁓ dentists, like dentistry is moving so fast. I don't have to tell the listeners that. There's new stuff every single quarter, every single year. Five years ago, everybody was getting crowns to be milled. Now they're 3D printing teeth and doing all, you know. digital scans and all the other stuff and pretty quick here, think we have robots doing surgery. I don't necessarily want to be the first person to try that, but. The Dental A Team (30:45) Yeah, me neither. I'm like number like 200,000. I'll try it at that point. I'm usually like number two jumping off a cliff if the first person's alive, then I'll jump. Unlike innovative robots, I only have 28 teeth left, so I'll just let them practice a bit more before they come to me. It's okay. Stick with the drill and fill. Yeah, the drill and fill, I'm okay with it. It's all right. It's better. Derick Van Ness (30:51) Yeah. Yeah. Yep. I'll just pay a little more for the people. Yes. so effectively, most dentists just don't realize they're qualifying for these credits. And so what we try to help them do is we do a free estimate to help you understand, OK, let's go through the different things that you did in your practice. It takes maybe a half an hour to identify the different things you've done. And right now, there's a window. And this is why we wanted to talk about this today, that closes on the 4th of July of 2026. So we've got about three or four months left. where you can go back and you can file for 2022, 2023, and 2024. I don't want to bore everybody, but effectively when they did the 2017 tax rewrite, the first Trump tax rewrite, it broke the R &D credits in 2022. You could file for them, but the downside was bigger than the upside, so it wasn't worth doing. Now, they kind of did that on purpose to balance the budget, and they thought, oh, we'll change it before 2022, and then COVID happened, so they never changed it. So it got broken. So they came back and they fixed it and said, hey, you guys can go back and claim this, but you really only have until the 4th of July. So they gave us one year to do it. ⁓ And so it's a big opportunity, a big window right now where you can get three years worth of credit. So you can literally go back. The government will send you a check for taxes you've overpaid, and you can get that money back. I won't tell you the IRS is really fast at processing this stuff, but they do get to all of them. The Dental A Team (32:23) Wow. No. Derick Van Ness (32:34) And the checks come in, and we've done over 1,000 of these for clients. So it's definitely a legit thing. And the credits have been around since the 80s. They became a permanent part of the tax code in 2015. So they were kind of new. They've been around about 10 years. But the first couple of years, nobody knew. then over the last couple of years, they've become more and more popular. But then they kind of screwed them up in 22 through 24. So the reason I wanted to talk about them is if somebody is a dentist, they're not claiming these credits. But they are doing. The Dental A Team (32:38) Wow. Derick Van Ness (33:04) Innovative things upgrading equipment trying new software trying new techniques new implant systems new Diagnostics, whatever you probably got all these credits sitting there. You don't know about and It's worth getting a free estimate to see what's on the table. Yes You do have to amend your taxes, which is a very small pain in the butt But your total time into this should be an hour or two, which is really a short conversation You send over tax returns ⁓ A team like ours would give you an estimate And if it seems like it's worth doing it, then you do it. You just let them do their thing and you write the check for the fee, right? So it's pretty hard to beat bang for your buck hour for hour. And like I said, for a lot of practices, it's between 1 to 2 % of your gross revenue. This is not a quote. This is just like what I've generally seen. So if you have a million dollar practice, it's probably 10 to 20 grand a year if you're doing these types of things. I mean, I have some. We just did a doctor who's got Six offices they're getting almost a half a million dollars back right it can be it can be major and Doesn't take him any longer than to take someone with one office so you know it's it's just a big window of opportunity that I wanted to try and squeeze in here and People who haven't done this or unaware. It's like hey, we got a big opportunity and you can do this for 2025 moving forward every year. It's it's back indefinitely and so my hope is The Dental A Team (34:07) It's incredible. Derick Van Ness (34:32) People can do the catch up. And then from here forward, you don't even have to amend. You just party your tax return. You just don't pay the taxes. Just like you depreciate equipment or anything else and just get the tax break, the difference is tax credits are dollar for dollar. So if you get $10,000 tax credit, it's just $10,000 you don't pay in taxes, not a $10,000 write off, which might be worth $3,000 or $4,000. The Dental A Team (34:40) awesome. Mm-hmm. Totally. No, and I think Derick, I'm so glad you brought this up. And at first I was creeped out by you. I'm not going to lie. Like when you first started talking about it, was like, are these like, I don't know, what are they called? The opportunity zones. And like, I heard a lot of people got their shorts burned on those. And I was like, do I even put this on the podcast? But I will say, Derick just said he's done thousands of them. They have had great success. I have seen clients tell me, thank you. So that's why I wanted Derick to come on because any client that comes from Dental A Team does get preferred. Derick Van Ness (35:03) you huh. The Dental A Team (35:26) I don't know treatment. don't know what you guys do, but I do know that there's, ⁓ you guys get, you just said you get pushed to the front of line. If you mentioned you heard on Dental A Team podcast, we also have a link with big life financial. I'm pretty sure Derick, if I remember right, I'm pretty sure we do. ⁓ but definitely wanted you guys to have that, especially with a closing in July. And it's something where I love that Derick will just like, he's met with me and my husband several times to talk about multiple things. Derick is non pushy. And I appreciate that about you, Derick. You ⁓ educate. Derick Van Ness (35:27) Treatment, yep, yep, front of the line. We do. Yep. The Dental A Team (35:56) and then give people the information and then you're to make the decisions on your own. So I think like, why not? Why not reach out to Derick? Why not just like see what it looks like? And then you have their resources. They're not going to file unless you want them to. You don't have to break up with your CPA if they file for you. I'm pretty sure. Is that right? Like you don't have to switch. Derick Van Ness (36:09) Correct. No, no, yeah, you don't have to. We can amend it for you. But in a lot of cases, it makes sense to just have your CPA do it. They've got all your information. So but we can handle it either way. The Dental A Team (36:25) So I think like on that, I just feel it's very much worthwhile. And I know Big Life Financial does a lot. do. I'll let you like take it because I know you guys are added to more services. But I think like if nothing else, we want to have the call to action of like, just look into the R &D credits. Like I said, I have seen multiple checks go to practices. They have not been audited. ⁓ Things have gone very smoothly for them. I was skittish. But I mean, Derick, we've been talking about this, I don't know, almost five years now, if not longer, that we've been telling practices about it. So. Derick Van Ness (36:52) Yep. The Dental A Team (36:54) very excited, but Derick, kind of tell about the makeup of what Big Life Financial is and then how people can reach out to you, especially in particular to the R &D credits. Derick Van Ness (37:04) Yeah, so for the R &D credits, just go to, it's just BigLifeFinancial.com So BigLifeFinancial.com/DAT D-A-T right? Dental A Team. And all you got to do is just set up a time there to talk with myself or someone on my team. It's like a 15 minute call. And we'll just screen it, see if it makes sense. Beyond that, we do offer full service taxes if for some reason you're looking for tax breaks or you feel like you're, for one reason or another, you need to make a change. then we can do that. We do also work with an RIA. So if you're looking for some of these investments that might have tax breaks or other diversification or whatever, we have those capabilities as well. So we really try to be front to back like what we call like a family office or a fractional family office, which is what the super rich people have. They just have an attorney and a CPA and a Uh, an insurance guy, an investment guy, or probably 10 investment guys who all just work for them. Obviously most people can't afford to have an entire team that just works for them. So we work with a limited number of people, but we have a coordinated team that way. And, and it's taken me like 10 years to find the right people to do that. That's, that's really it because the Uber wealthy have those people, the people who are making 50 or a hundred thousand bucks a year, they don't need it. We really work in this sweet spot where a lot of people make. 300,000 400,000 on the low end to 2 3 million on the high end. And they're kind of in between, not rich enough to have the team that's all working together all the time, but rich enough that you really need it. Like this segment of the population is the one that just gets crushed on taxes. ⁓ And so we're really doing our best to help minimize that. So that's why we work so much with dentists and doctors. The Dental A Team (38:56) That's amazing. I love that Derick. And I think for everybody, it was BigLifeFinancial.com slash DAT. We'll be sure to like link that in the show notes and also add it for you guys. But, and Derick, love, I didn't know what a family office was at first. And then I found out hanging out with a lot of wealthy people, what it is. And so for you to provide that, think worth conversations ⁓ and definitely appreciate the insights today. It was a really fun episode. I'm glad we got back together. It's been too long. ⁓ And like truly guys, just reach out. Again, I would do it as exploration. would do it as like, just find out anytime I hear things like this, I just go book meetings. It doesn't mean I need to actually execute on it. But I think again, learning the language of business, learning the education, seeing if it fills right for you. Now you can ask a million people, but like I said, Derick and I have been doing this for about five years and every client that has been referred to Big Life Financial has gone through, has told me how much they've been grateful for it. So Derick, I appreciate you. Any last wrap up thoughts today as we wrap up today? I appreciate our time so much today together. Derick Van Ness (39:55) No, I think it's just understanding that part of building wealth is beyond just making income, right? Just making income won't build the life you want to live. Once you earn the money, you got to take care of it. And there's a lot of pieces to that. So whether it's with us or someone else, just take that on for your family's sake. It's not just about making it. It's keeping it and being smarter with it. And if you do that, you're going to be in good hands. The Dental A Team (40:20) amazing. Well, Derick, thank you so much for being here today. Thank you all for listening. I love what Derick said, like it's not just enough to make the money, we need to figure out how to keep the money and set yourselves up for the great lives that you've been building and to truly have that big life as Derick has described it. So for all of you listening, I hope that today you don't just passively listen, but you actively take action and commit to having the wealth of your life, the wealth of your dreams to have that life that really ⁓ is the life of your dreams. there's a quote from my mirror from when I was little where I said, don't just dream, do. And I think that that's how I'll leave you today. So for all of you listening, thank you for listening and we'll catch you next time on the Dental A Team Podcast.
In this high-impact episode of the Forged in the Fires Podcast, Fireman Rob sits down with Derick Johnson, Army Veteran and elite leadership and performance coach known for one mission: break patterns and build confidence.Derick shares his journey from military service to helping men and leaders transform their mindset, discipline, and identity. He dives into the habits that keep people stuck, the excuses that limit growth, and the daily standards required to operate at a higher level.This conversation is about ownership. It's about confronting the patterns that no longer serve you and stepping into the version of yourself that leads with strength, clarity, and conviction.If you're ready to raise your standards, eliminate excuses, and build unshakable confidence—this episode is for you.
Derick G returns to the show like a coach before the Super Bowl getting ready for Live on 305. An annual community event celebrating DJ's, Artists, and everything that makes Miami, Miami. We cover a lot of ground, Derick drops a lot of gems in this episode. Always a great time chopping it up with the Hialeah native. Last appearance: Season 1, Episode 36Show instrumental by Dox305 for Good Tone Studios
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What if growth isn't about adding more, but about letting something go? In this episode, Nell Derick Debevoise Dewey shares what happens when a heart-based, aligned career (literally) drifts out of its lane, and why “getting back to normal” isn't always the goal. We dig into gold-star chasing, inherited “shoulds,” and small experiments in self-knowledge that help you notice what's draining your energy. And we talk about the ripple effects of intentional subtraction, how letting go can change the way you show up at work, in leadership, and at home. This conversation is a permission slip to stop adding by default and start asking a more compassionate question: What can I release so I can live and lead more intentionally?
In this episode of Raising Wild Hearts, I sit down with Nell Derick Debevoise Dewey (AKA Nell 3D)— a Subtraction Strategist, Harvard-trained leader, and equine-informed coach — to talk about burnout, ambition, and what it really means to make an impact without losing yourself in the process.Check Out Nell 3D on Substack
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Send a textAre you working harder than ever yet feeling less visible, less fulfilled, and more burned out in your career?In this episode, I sit down with leadership strategist and Forbes senior contributor Nell Derick Debevoise Dewey, Nell 3D, to challenge one of the biggest myths mid-career professionals face today: that doing more is the only way forward. We explore how strategic subtraction can actually help you become more effective, more influential, and more fulfilled in your work.If you are navigating a tough job market, feeling stuck under ineffective leadership, or wondering how to sustain performance without burning out, this conversation will help you rethink how you show up at work. Nell introduces her practical Stop, Drop, Roll method, a framework that helps high performers pause, remove draining habits, and redesign their workdays so their energy creates bigger results.We discuss real stories of leaders who cut unnecessary meetings, redesigned team rituals, and reclaimed personal time while still improving team outcomes. We also tackle real mid-career challenges, including dealing with a difficult boss, maintaining confidence in a slow job market, and learning how to stop carrying expectations and criticisms that drain momentum.If you are holding onto a role for stability while trying to protect your long-term career prospects, you will also learn why strategically cruising at seven instead of ten can actually extend your runway and help you perform where it matters most.This episode offers permission and practical tools to step back, gather honest data about how you spend your time and energy, and make smarter decisions about what deserves your attention.If you are a mid-career professional looking for career clarity, stronger leadership presence, or a smarter job search strategy, this conversation will help you see how doing less of the wrong things can help you achieve more of what matters.Mid-career success is not about grinding endlessly. It is about choosing where your effort creates the most impact. Often, the smartest career move is not adding more. It is subtracting what no longer serves you.Connect With Nell 3DLinkedIn | Website | SubstackSupport the showVisit https://johnneral.com/resources to: Grab my free 15-minute audio briefing about why doing good work at mid-career is no longer "good enough." Subscribe to my free leadership and career newsletter Get The Mid-Career Clarity Code to help you figure out whatever is next for you and your career Please leave a rating and review on Apple Podcasts here. Connect with John on LinkedIn here.Get John's New Mid-Career Journal on Amazon here. Follow John on Instagram @johnneralcoaching. Subscribe to John's YouTube Channel here.
Introducing Aminutedeus, a podcast that examines the film Amadeus, one episode at a time, fifteen minutes at a time. Each episode will look at a fifteen-minute chunk as host Derick McDuff and a guest break down the Director's Cut of the iconic film.New episodes will release on the fifteenth of the month over the course of 2026, and will be available for just $3 a month on Underrated's Patreon. However, the first episode is available for free here on Underrated for all listeners! Part II is out now for Patrons!Travis Bow of Minute of Thieves and Reel Comic Heroes joins Derick to discuss 00:01-15:00!For more info, head to underratedmoviepodcast.comPatreon:https://patreon.com/UnderratedMoviePodcastInstagram:https://instagram.com/underratedmoviepodcastTikTok:https://www.tiktok.com/@underratedmoviepodcastYouTube:https://www.youtube.com/channel/UCAbpTHWyBle7yKJv4-gR_g
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The end of an era. Thanks for listening over the years. On the final episode Chris, Derick, and Evan don't really reflect much about the entire series but make some other observations.
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NERD RAGE RADIO Episode 543: Derick Bennet On The Job-Ba NERD WEEKS Supergirl https://youtu.be/6XDxsoY42-U Euphoria Season 3 https://youtu.be/-1UJJPAWudQ Phil Speaks https://www.billboard.com/music/music-news/phil-collins-health-update-under-24-hour-care-1236161867/?fbclid=IwZnRzaAPnmn5leHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEe_EMcIt-pGBzaltpKGDQK1FzTVEl-9XLUuClD53OhjDeEqsNEbN24ZQSwDDI_aem_OLwL_ArBJpFAWkmYCslPDw Hoth Cold https://thatparkplace.com/fans-call-for-boycott-to-star-wars-celebration/?fbclid=IwZnRzaAPnmpVleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEeg1PthH-VGoQ2ACeFK6ksGxeRSAFymncqcgAkAF50-OTjFvD2106fmlPGnmw_aem_ID96TEeopKM9HChzCf2n-A FOLLOW US ON SOCIAL MEDIA Facebook.com/nerdrageradiopodcast Instagram @nerdrageradioig Twitter @nerdragecast WRITE IN TO THE SHOW Email: nerdrageradiomail@gmail.com
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Varn has some audio issues and shows up around the 15 minute mark if you want to fast forward--do people still say "fast forward"? Check out our new bi-weekly series, "The Crisis Papers" here: https://www.patreon.com/bitterlakepresents/shop Thank you guys again for taking the time to check this out. We appreciate each and everyone of you. If you have the means, and you feel so inclined, BECOME A PATRON! We're creating patron only programing, you'll get bonus content from many of the episodes, and you get MERCH! Become a patron now https://www.patreon.com/join/BitterLakePresents? Please also like, subscribe, and follow us on these platforms as well, (specially YouTube!) THANKS Y'ALL YouTube: https://www.youtube.com/channel/UCG9WtLyoP9QU8sxuIfxk3eg Facebook: https://www.facebook.com/Thisisrevolutionpodcast/ Twitter: @TIRShowOakland Instagram: @thisisrevolutionoakland Substack: https://jmylesoftir.substack.com/.../the-money-will-roll... Read Jason Myles in Sublation Magazine https://www.sublationmag.com/writers/jason-myles Read Jason Myles in Damage Magazine https://damagemag.com/2023/11/07/the-man-who-sold-the-world/
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