Podcasts about diversify

Paul Merriman brings 60+ years of investing experience to the Retire Today podcast, breaking down what really determines retirement success. Most investors think it's about picking the right fund or timing the market—but Paul says the biggest threats aren't headlines. They're costs and emotions.In the 1960s, investors routinely paid 8.5% to buy a mutual fund. Today fees are far lower, but the impact is still huge. Paul notes that even a 1% difference in expenses “can cost you about $3.5 million over a lifetime” because compounding works both for you and against you.Behavior can cost even more. “When the market goes down, people panic,” Paul explains. Selling in a downturn—the “I just can't take it anymore” moment—means locking in losses and missing the recovery. His advice: don't time the market. Build a plan you can actually stick to.When asked what separates retirees who thrive from those who struggle, Paul's answer is simple: education. What you learn and who you learn it from shapes your decisions—and helps you stay calm when markets get rough. That's why his nonprofit work focuses on teaching diversified, simple, low-cost strategies through guides like Sound Investing Portfolios and We're Talking Millions!Paul once promoted a 10-fund “Ultimate Buy-and-Hold” portfolio, but even John Bogle told him it was too complex. After testing simpler versions, Paul found that two-, four-, and six-fund portfolios often matched or beat the original. You can explore these models at PaulMerriman.com/portfolios. The takeaway: simplicity makes discipline easier.We also discussed retirement withdrawals. Paul recommends a flexible approach: take a bit less after down years and a bit more when markets are strong. This can reduce stress and help your portfolio last. “If you know how long you're likely to live and how much you have,” he says, “that knowledge gives you freedom—not fear.”If you're approaching retirement, here's Paul's short list:Diversify with low-cost index funds. Focus on the right mix, not the perfect pick.Match risk to reality. Choose a stock/bond split you can live with in bad markets.Use flexible withdrawals. Adjust spending based on market conditions.Keep behavior boring. Automate rebalancing and ignore predictions.Invest in education. Knowledge keeps emotions from running the show.You've worked hard to build your savings. Now build a plan that works just as hard—quietly, efficiently, and with confidence. Watch the full conversation on YouTube for more on fees, behavior, portfolio design, and practical withdrawal strategies.

In this Artist Exploration, Sara Jean Ford from Broadway's The Phantom of the Opera and MTCA Director Charlie Murphy discuss:  Showing colleges “who you are” isn't a gimmick Grow as an artist by letting instead of forcing Diversify your inputs—read plays, watch great work, listen widely Self-discovery is the real audition: knowing what you know, what you want to say, and the stories only you can tell. If you have any questions about the college audition process, feel free to reach out at mailbag@mappingthecollegeaudition.com. If you're interested in working with MTCA for help with your individualized preparation for your College Audition journey, please check us out at mtca.com, or on Instagram or Facebook.  Follow Us!  Instagram: @mappingthecollegeaudition YouTube: @MTCA (Musical Theater College Auditions)  TikTok: @mtcollegeauditions  Charlie Murphy:@charmur7  About MTCA:  Musical Theater College Auditions (MTCA) is the leader in coaching acting and musical theater students through the college audition process and beyond with superlative results. MTCA has assembled a roster of expert artist-educators who can guide students artistically, organizationally, strategically, and psychologically through the competitive college audition process. MTCA provides the tools, resources, and expertise along with a vast and strong support system. They train the unique individual, empowering the artist to bring their true, authentic self to their work. MTCA believes that by helping students reveal their potential it allows each school to connect with those who are truly right for their programs, which in turn guides each student toward their best college fit.  About Charlie Murphy:  Charlie is a proud graduate of Carnegie Mellon University's BFA program. As an Actor he has performed with theaters such as: NY Public Theatre's “Shakespeare in the Park”, The Pearl Theatre Company, Hudson Valley Shakespeare Festival, Chautauqua Theatre Company, Kinetic Theatre Company, and the Shakespeare Theatre of DC. With MTCA [Musical Theater College Auditions -- mtca.com], he has been helping prospective theatre students through the college process for over 15 years. As a Teacher and Director, he is able to do a few of his favorite things in life: help students to find their authentic selves as artists, and then help them find their best fit for their collegiate journey. Through this podcast, he hopes to continue that work as well as help demystify this intricate process. This episode was produced by Meghan Cordier, Kelly Prendergast and Socials by Jordan Rice. Episode theme music is created by Will Reynolds with Additional Vocals from Elizabeth Stanley Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to season 4, episode 6 of the Stock Trading for Beginners Podcast!When I first started trading, charts felt random and frustrating—until I learned the breakout backtest strategy. It transformed my portfolio, and now beginners in our group are spotting consistent setups in weeks. Building on last episode's "buy at support, sell at resistance" framework, here we discuss the precise entry points for low-risk trades in bullish stocks. Listen for a simple, patient approach that minimizes stress and maximizes wins.Resource:Join our FREE Skool group: https://www.skool.com/tradingKey Topics:Step 1: Spot Proven Winners and Build Your WatchlistFocus on bullish stocks in uptrends for low-risk trades—nothing rises straight up, so capitalize on natural rhythms. Diversify with speculative trend-changers if your risk tolerance allows, but beginners should stick to strong performers. Use AI like Grok or ChatGPT to generate 30-50 bullish stock ideas (e.g., heading into 2026). Or grab our free list in the Skool group. Confirm uptrends on TradingView's weekly chart: Look for higher highs/lows (market structure) and Ichimoku Cloud (above lines with green future cloud = bullish). Example: Coinbase post-April 2025 shows bullish engulfing candles and volatility but upward trend; avoid pre-2025 bearish phases with lower highs/lows.Step 2: Wait for the PullbackPatience is key—don't chase breakouts or buy at resistance, a common beginner mistake leading to panic sells. Overextended stocks reverse sharply; recent October 2025 red days (5-20% drops) follow massive prior gains (50-100%). Identify resistance (prior highs, indicators) and let price come to you. Pullbacks are healthy for momentum—buyers step in at support, positioning you for the next leg up.Step 3: Enter at Support ZonesWhen pullbacks hit support with confluence (multiple indicators aligning), that's your low-risk entry. Use Ichimoku Cloud, Fibonacci, Gann Squares, or flipped resistance. Don't fear red days—they're buying opportunities. In volatile markets like November 2025, enter cautiously to avoid deeper retracements. This yields high win rates, low stress, and high rewards as bullish stocks resume uptrends.TakeawaysDon't chase—build a watchlist, confirm trends, wait for pullbacks, and enter at support for conviction and gains. This strategy boosted my portfolio this year and helps our community trade flexibly without constant monitoring. Start with a few stocks to build skills.For video lessons, modules (e.g., on Ichimoku), weekly analysis, and details on my new beginner chart-reading program, join the Skool group at https://www.skool.com/trading. More podcasts coming—see you next episode!Send me some feedback!Join Our Free Community on Skool:https://www.skool.com/trading

What is the real path to artistic success? Some people say it is nothing more than practice. Not just practice in general, but practice in one single area of photography, always working on that one slice of the craft. I see it differently. I think success grows out of diversity. Different styles, different techniques, and even different genres. Even the genres that might not be your favorites. Let me walk you through why I think this matters... Podcast Notes: https://www.moneymakerphotography.com/should-you-stick-to-one-genre-or-should-you-diversify/ Photography Clips Podcast: https://www.moneymakerphotography.com/podcast/ Follow me: https://www.facebook.com/Will.Moneymaker  #PhotographyClips #WillMoneymaker #Photography

"I'm 58 and about 40% of my portfolio is in company stock from where I've worked for 25 years. Should I diversify even if it's been performing well?" We're answering YOUR questions on this week's Get Ready For The Future Show! I'm 66 and recently realized my IRA still lists my ex-spouse as the beneficiary. If I update it now, does that override my will — or do I need to change both? We're 60 and planning to move to another state after retirement. How do we compare the tax implications of different states before we move? We're both 65 and in good health, but we didn't buy long-term care insurance. Can we self-fund care if needed, and how much should we set aside? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com! Originally aired 11/12/2025

The Social Security trust fund is projected to be insolvent by 2033, and by 2035, benefits could be reduced by 23% if no action is taken. As Peter with Richon Planning and Erin Kennedy explain, that means future retirees may only receive about 77% of promised benefits... a potential shortfall that could cost the average worker $138,000 in lost income!

Search is changing fast. We're no longer just writing for algorithms; we're writing for AI. This week, I'm joined by Brian Piper, co-author of Epic Content Marketing and Director of Content Strategy at the University of Rochester, to talk about how discoverability works in the age of AI.Brian breaks down how search results are shifting toward AI answers and virtual assistants, what “AEO” (Answer Engine Optimization) means for creators, and why the days of relying solely on keywords and backlinks are behind us. We dig into how brands and creators can build real authority, the growing role of human experience, and what it takes to stay visible when algorithms are doing the curating.If you're creating content and wondering why views or traffic look different lately, this conversation will help you understand what's happening, what's coming next, and how to adapt without burning out or chasing every new trend.Key TakeawaysThink beyond Google: ChatGPT, Perplexity, and Gemini are shaping the next generation of discovery, make sure your content lives where they pull from.Don't block AI crawlers: Brian compared it to blocking Google. If AI tools can't crawl your site, your content won't appear in their answers or citations.Focus on trust and authority: Experience, expertise, and credibility (E-E-A-T) matter more than ever. AI tends to favor content from proven, trustworthy voices.Use AI for data and gap analysis: Let AI analyze your content performance and surface opportunities you might miss, from untapped questions to new topic clusters.Keep humans in the loop: AI is great at summarizing, but humans create the fresh ideas that move things forward.Diversify your discoverability: AI pulls from everywhere, social, blogs, video, and podcasts, so focus on visibility across platforms rather than ranking on one.ResourcesBrian Piper: brianwpiper.comBook: Epic Content Marketing by Joe Pulizzi and Brian PiperBrian's Podcast: AI for UFollow Brian on LinkedIn: linkedin.com/in/brianwpiper----------------------Ecamm - Your go-to solution for crafting outstanding live shows and podcasts. - Get 15% off your first payment with promo code JEFF15SocialMediaNewsLive.com - Dive into our website for comprehensive episode breakdowns.Youtube.com - Tune in live, chat with us directly, and be part of the conversation. Or, revisit our archive of past broadcasts to stay updated.Facebook - Stream our show live and chat with us in real time. Connect, engage, and be a part of our community.Email - Subscribe and never miss a live show...

Is AI a bubble—or the foundation of a new economy? Christian Briggs says it's the latter. In this blunt briefing, he shows how AI software and physical robotics are already displacing human labor at scale—from Amazon-style fulfillment and autonomous fleets to fast-food prep lines, customer support, and even clinical/legal workflows. This isn't a blip: trillions are flowing into chips, servers, and mega data centers to digitize everything from business processes to money.That's where the risk accelerates. Briggs unpacks the tokenization of assets (homes, cars, equities) via smart contracts and centrally controlled digital money. Europe is capping cash and funneling transactions into programmable rails; third-party “keys” can determine whether you can move or sell what you “own.” The pitch is “efficiency, safety, convenience.” The reality: your financial autonomy can be switched off.What to do? Briggs offers an actionable playbook:Own the rails (chips, cloud, AI infra, automation)—but hedge outside the grid.Favor self-custodied hard assets (not tokenized IOUs).Diversify custody, learn how keys and tokenized titles work, and avoid single points of failure.Re-skill into roles that orchestrate, secure, or govern AI—rather than those AI replaces.AI isn't hype—it's a hard reset. If you embrace the upside and guard against centralized choke points, you can thrive. If you don't, someone else will decide when—and whether—you can spend, move, sell, or work.

Tyler Chisholm talks with Brian McLennan, CEO and co-founder of Link—a Calgary-based fintech platform revolutionizing how workplace savings plans are built and delivered across Canada. Rather than compete with financial institutions, Link enables them. The company provides a white-label infrastructure for banks, credit unions, and employers to deliver modern, digital-first retirement savings plans like RRSPs, TFSAs, and pensions. Brian shares how Link is helping close the access gap for the more than 50% of working Canadians who currently have no workplace savings plan—and why that's not just a market opportunity, but a national challenge. They discuss the shift from legacy administration models to flexible, advisor-friendly platforms; the ROI of employer matching; and how even the smallest businesses can now offer big-company benefits. Brian also unpacks Link's early pivots, the power of partnerships, and why solving the infrastructure problem is the key to lasting impact.In this episode:What Link is and how it works behind the scenesWhy financial infrastructure is often the invisible unlockThe benefits of employer matching and behavioral nudgesDigital advice, fund selection, and user experienceRetirement savings access across Canada's workforceHow Link balances tech scale with advisory partnershipsCalgary's emerging role in Canada's fintech ecosystemThe global future of workplace financial benefitsTop 3 Wisdom Bombs“Ultimately what we're trying to accomplish is afford employees the ability to have a *dignified retirement*—to retire on their own terms.” - Brian McClennon“Energy stocks can make 25-year-old millionaires—or cut portfolios in half. Diversify.” - Brian McClennon“Australia's superannuation system shows what happens when saving is mandated—assets in the trillions, people ready for retirement.” - Brian McClennonThis episode is brought to you by clearmotive marketing. When it comes to marketing that truly matters to your business, clearmotive is your go-to partner. With a proven track record of more than 15 years, they understand what makes your business tick. Learn more at https://www.clearmotive.ca and discover how clearmotive can help your marketing thrive.We're on social media! Follow us for episodes you might have missed and key insights on Western Canada directly on your feeds.Instagram: https://www.instagram.com/collisionsyycLinkedIn: https://www.linkedin.com/company/collisions-yycYouTube: https://www.youtube.com/@collisionsyycWebsite: https://www.collisionsyyc.comThank you for tuning into Collisions YYC!Remember to subscribe and follow us on Spotify and Apple Podcasts so you never miss an episode.If you loved the episode, please leave us a 5-star review and share the show with your friends! These things really help us reach more potential fans and share everything that's amazing about Western Canada.We sincerely appreciate your support of our local podcast.Host links:Tyler's website: https://www.tylerchisholm.comTyler's LinkedIn: https://www.linkedin.com/in/tylerchisholmGuest links:Brian McClennon's LinkedIn: https://www.linkedin.com/in/brianmcclennonLink Investment Management's Website: https://www.link-plans.comLink Investment Management's LinkedIn: https://www.linkedin.com/company/link-investment-managementCollisions YYC is a Tyler Chisholm original production // Brought to you by clearmotive marketing

For a while it seemed like all the earnings growth was coming from a short list of major tech firms, but now that has begun to change, says Dr. Dirk Steffen, the Private Bank's EMEA CIO. "The lead in terms of earnings growth by these mega caps is actually narrowing somewhat ", Dirk says. “This is a positive and healthy sign for the stock market in our view.”But that is not a reason to be excessively exuberant, Dirk says. “It's important not to get carried away by these very solid numbers,” though he acknowledges that results so far have been “a huge win for corporate America.” And while the reporting season continues, Dirk says he'll be paying attention to results from some European firms this week for further clues about how they are coping with tariffs and shifting trading patterns.For more investing insights, please visit deutschewealth.com.In Europe, Middle East and Africa as well as in Asia Pacific this material is considered marketing material, but this is not the case in the U.S. No assurance can be given that any forecast or target can be achieved. Forecasts are based on assumptions, estimates, opinions and hypothetical models which may prove to be incorrect. Past performance is not indicative of future returns.Performance refers to a nominal value based on price gains/losses and does not take into account inflation. Inflation will have a negative impact on the purchasing power of this nominal monetary value. Depending on the current level of inflation, this may lead to a real loss in value, even if the nominal performance of the investment is positive. Investments come with risk. The value of an investment can fall as well as rise and you might not get back the amount originally invested at any point in time. Your capital may be at risk.The services described in this podcast are provided by Deutsche Bank AG or by its subsidiaries and/or affiliates in accordance with appropriate local legislation and regulation. Deutsche Bank AG is subject to comprehensive supervision by the European Central Bank (“ECB”), by Germany's Federal Financial Supervisory Authority (BaFin) and by Germany's central bank (“Deutsche Bundesbank”). Brokerage services in the United States are offered through Deutsche Bank Securities Inc., a broker-dealer and registered investment adviser, which conducts investment banking and securities activities in the United States.Deutsche Bank Securities Inc. is a member of FINRA, NYSE and SIPC. Lending and banking services in the United States are offered through Deutsche Bank Trust Company Americas, member FDIC, and other members of the Deutsche Bank Group.The products, services, information and/or materials referred to within this podcast may not be available for residents of certain jurisdictions. © 2025 Deutsche Bank AG and/or its subsidiaries. All rights reserved. This podcast may not be used, reproduced, copied or modified without the written consent of Deutsche Bank AG. 030620 030121

Send us a textThe TikTok Shop is wild right now. I just joined the program and dropped my second video — people are genuinely pulling in solid side hustle money. In this episode of CLIPPED, I break down how the TikTok Shop works, how creators are earning commissions on product reviews, and how you can start doing the same.

In this episode, Nacre Consulting coaches Chantelle Robards and Layland Webb unpack why Allied Health businesses must move beyond a single funding source—and how to do it without derailing your core services. They cover the immediate push factors (e.g., Thriving Kids, support needs assessments, therapy guideline changes), then map out pragmatic steps to assess exposure, widen revenue pools, and steady operations through the next 12–24 months of reform. You'll hear clear, objective moves—from in-house skills audits and adjacent offers to business-to-business/government packages and a minimum viable product approach that gets new services earning sooner. Topics covered on NDIS reforms, the urgency of diversification, and business strategy: The Urgency of Diversification – A clear-eyed look at the specific NDIS reforms (Thriving Kids, Support Needs Assessments, new therapy guidelines) that are forcing business owners to rethink their reliance on a single funding stream. Assessing Your Risk & Auditing Your Strengths – Discover the first critical steps: calculate your business's true financial exposure to NDIS changes, then conduct an internal skills audit to uncover profitable service opportunities already within your team. Actionable Growth Strategies – Explore practical ways to expand your offerings beyond 1:1 therapy, including moving into new markets (B2B/B2G), embracing the “Minimum Viable Product” concept to launch new programs faster, and adopting the agile mindset needed to thrive through change. Related Episodes Episode Number 371: Thriving Kids, Foundational Supports & What Providers Can Do Now P.S. Need a little extra support on your business journey? Whether you're navigating challenges or looking to reach new goals, we're here to support your growth. Book a Complimentary Power Call with us, and let's talk about how we can help you achieve your vision for your Allied Health business. Midroll Message: Join us at our online Quarterly Allied Health Business Conference this December! Connect with Nacre Consulting: Let's connect on Instagram Follow us on Facebook Let's connect on LinkedIn

Megan chats with Eat Blog Talk community manager Taryn Solie about what's truly working in food blogging right now, what's not, and the big changes coming to Eat Blog Talk in 2026. This candid conversation pulls back the curtain on the current food blogging landscape: what's thriving, what's fading, and how Megan and Taryn are evolving Eat Blog Talk to better serve the community. If you've felt the turbulence of 2025's AI and algorithm shifts, this one will help you recalibrate, refocus, and reconnect. Key points discussed include: Community is your lifeline: Stop going it alone, connection is non-negotiable for success. Email is the new MVP: Taryn shares creative, low-lift ways to grow your list and diversify income. Video builds trust: Why showing your face (or at least your voice) can future-proof your brand. Experiment boldly: Short-term tests and gut-led creativity can reveal long-term wins. Consistency is queen: From publishing to relationships, it's the decade-long growth driver. Diversify with intention: Pick one new income stream, master it, then move on. Pinterest isn't dead: How fresh design, compelling copy, and trend-driven pins can revive results. Eat Blog Talk Mastermind Eat Blog Talk MiniMinds Inner Circle Retreats Website Instagram

Wouldn't it be nice if your business could just stay perfect forever: same clients, same income, same flow? Yeah… we wish! In this episode of The Aspiring Solopreneur, Carly and Joe get real about how to future-proof your business (and yourself) for the inevitable changes ahead. From spotting shifts in your industry to using AI and automation wisely, diversifying income streams, and planning for the long haul, this episode is your blueprint for staying resilient no matter what tomorrow throws your way.It's not about predicting the future, it's about being ready for it.What does it mean to future-proof your business as a solopreneur? Future-proofing is all about building resilience and adaptability into your business so you can thrive no matter what changes come your way. You can't predict every trend or challenge, but you can create systems, habits, and strategies that help you pivot quickly, like setting aside time to review what's shifting in your industry, automating key tasks, and staying curious about new tools and opportunities.How can I stay on top of trends without getting overwhelmed?Be intentional about what you consume. Set up Google Alerts for your niche, use AI tools to summarize relevant updates, and curate your social media feeds to focus only on accounts that bring you value. The goal isn't to chase every shiny object,it's to pay attention to the shifts that truly impact your clients, your market, or your workflow.What's one of the smartest ways to make your business more resilient?Diversify your income streams within your expertise. For example, if you're a coach, offer 1:1 sessions, but also create a digital course, downloadable resources, or a group program. That way, if one area slows down, another can pick up the slack. Bonus points if you layer in automation so some of those streams run while you're off the clock.

Todd Sohn sees opportunities to diversify into healthcare, small caps and international equities. “Japan is in a great bull market,” he adds. He charts Thematic ETF flows over the past decade and offers tips on diversifying through ETFs. He highlights the S&P 500 Equal Weight Index (SPXEW) and how investors can use its signals to gauge the market. He also likes the CAOS ETF.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Send us a textTired of hearing “quality” without seeing the difference? We dig into how small, family-run shed businesses win by diversifying into what rural customers truly need—safe rooms, metal buildings, shipping containers, and even culverts—while keeping service at the center. Instead of chasing every opportunity, we talk through how to add products that align with current logistics, training, and equipment so teams can scale without chaos. You'll hear why on‑lot displays and side‑by‑side examples sell complex options better than slogans, and how a focused CRM and clean follow‑up turn walk‑ins into long‑term customers.We also unpack the economics behind big structures. Yes, percentage margins can be thinner, but ticket sizes drive strong absolute profit and stickier relationships. Pair that with rent‑to‑own, and you create a path for families to secure essentials like concrete safe rooms when cash is tight but safety can't wait. The strategy is simple: be the rural solutions yard where people come to touch, compare, and ask hard questions. If you're operating inside a 60‑ to 100‑mile radius, this approach builds trust—and repeat business.Zooming out, we tackle where the industry is headed. Expect more consolidation chatter, with manufacturers eyeing vendors and vice versa, but also a clearer split: national players mass‑producing sheds at scale, and local companies thriving through diversified, community‑minded offerings. Along the way, we share a personal health update that reframes resilience and gratitude, and we lean into generational sustainability—estate planning, leadership transitions, and financial stewardship that keep family enterprises strong. If you believe a rising tide lifts all boats, this conversation is your playbook for growing the pie, not just your slice.If this resonated, follow the show, share it with a colleague who needs a fresh strategy, and leave a quick review to help more builders and dealers find us. Your feedback shapes future episodes—what should we dive into next?For more information or to know more about the Shed Geek Podcast visit us at our website.Would you like to receive our weekly newsletter?  Sign up here.Follow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.To be a guest on the Shed Geek Podcast visit our website and fill out the "Contact Us" form.To suggest show topics or ask questions you want answered email us at info@shedgeek.com.This episodes Sponsors:Studio Sponsor: Shed ProShed SuiteCALShed ChallengerLuxGuardMaking Sales Simple

Send us a textWhen I used to launch shows for clients, naming was brutal — you'd have to check Apple, Spotify, YouTube, and domains one by one. So I built Podcast Name Checker, a free tool that searches all three platforms and tells you if a name's available. After three searches, it asks for an email so creators can keep going. Simple, effective, and a major time-saver.Once that tool gained traction and started growing my list, I built Podcast Equipment Finder: a short quiz that recommends gear based on your setup, budget, and experience level — with affiliate links for small commissions. It hasn't taken off like the Name Checker, but that's okay.

Don and Tom tackle the timeless topic of diversification — why it's back in style, why it's so hard to maintain, and why most investors (and pros) still get it wrong. They walk through how market “leadership” shifts over decades, the global vs. U.S. split, and why comparing your portfolio to the S&P 500 is often a trap. Listener questions cover ETF access at T. Rowe Price and Vanguard, whether to invest or pay down debt, and how the 5% flexible withdrawal rule works in early retirement. Plus, the guys riff on Halloween candy inflation, Social Security COLA bumps, and Don's LitReading “Scary Story Season.” 0:04 Show open — Saturday radio edition and why repetition matters in financial education 1:03 The fashion of diversification — and why it's “back in style” 2:27 International and small-cap value resurgence 3:15 Why investors chase past returns instead of diversifying 4:02 Gold, inflation, and recency bias — lessons from the 1980s 5:21 U.S. vs. international allocation debate: market cap vs. 50/50 6:20 The long wait for Japan's market recovery 7:41 Practical diversification tools — AVGE, DFAW, VT 8:19 Stop comparing everything to the S&P 500 9:08 Historical proof: global portfolio vs. S&P since 1931 10:02 Caller Charlie — buying Avantis or DFA ETFs through T. Rowe Price or Vanguard 12:39 How fund custodians differ from managers 13:27 Checking portfolio exposure with Morningstar 14:42 Caller Gabe — invest or pay off debt? 16:45 When to pay off a car loan vs. mortgage 19:35 How to handle multiple mortgages and long-term plans 20:22 Social Security's 2026 COLA bump and the “good news/bad news” of $102 more a month 22:21 Inflation realities — coffee, beef, and Halloween candy 25:02 Candy talk — shrinkflation and Don's trick-or-treat haul 25:54 LitReading plug: “Scary Story Season” and Philip K. Dick's The Hanging Man 27:34 Search “Don McDonald” in Apple Podcasts — chiropractor cameo included 29:05 Listener Victor (a.k.a. George) — can $4 million last 60 years with 5% withdrawals? 31:38 How the flexible withdrawal method works in practice 33:49 Retirement purpose, Monte Carlo results, and FIRE skepticism 37:41 Kindleberger quote on bubbles and envy: “There's nothing so disturbing as to see a friend get rich.” 38:55 Kindleberger's background and Manias, Panics, and Crashes Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to turn your expertise into income with practical tips from LaShaundra McCarty on this episode of Speakernomics. Discover actionable strategies for speakers to grow their business and make smarter financial choices.* The importance of diversifying your revenue streams as a speaker* How to track your numbers for better business decisions* Passive income ideas like online courses, workbooks, podcasts, and newsletters* Monetization tips specifically for podcasting and written materialsWhy knowing your financials and audience demographics drives long-term success Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's episode is fun, because Jessie and Anita just get to talk business (one of our favorite subjects to discuss together)! We see a pressing need to diversify income streams, so we are discussing how we pivot in our businesses, our best advice after over a decade in business, and how we see our industries growing. Revenue is going to be a problem at some point in your business, so learning how to pivot and adjust is is important, now more than ever!- - - - - - - - -If you liked this episode of To Birth and Beyond, tell your friends! Find us on iTunes and Spotify to rate/review/subscribe to the show.Want more? Visit www.ToBirthAndBeyond.com, join our Facebook group (To Birth and Beyond Podcast), and follow us on Instagram @tobirthandbeyondpodcast! Thanks for listening and joining the conversation!Resources and References 1:1 Mentorship for Physiotherapists with AnitaBirth Prep for Clinical Practice – Professional Online Course with AnitaHow to Structure a Partner Labour Prep Session in Clinic – Professional Workshop with AnitaJessie's Coach Collective waitlist is open now!Show Notes 0:55 - Jessie's 2026 Coach Collective waitlist is open NOW!2:52 - Jessie introduces what we are chatting about today3:44 - Anita and Jessie take turns giving us a high level overview of how their businesses make money9:58 - Jessie shares her biggest lesson from 13 years of entrepreneurship11:01 - The ladies divulge what their favorite part of their businesses are right now12:55 - Jessie gives the low down on all the different ways you could be working with folks, highlighting hybrid models17:25 - Jessie lists how people can engage with your services18:56 - Anita shares the importance of change in her work20:55 - Anita and Jessie talk through the ability to create more “passive” or on-demand-type income23:57 - Jessie strongly recommends how to offer mentorship in your business25:36 -Jessie brings the episode to a close

Can your retirement account buy real estate? Startups? Alpaca farms?! Yes. And in this episode, Dana Udumulla from Madison Trust breaks down how self-directed IRAs actually work, what they can (and can't) invest in, and why more commercial real estate investors should be using them to raise capital.Whether you're an accredited investor or a confused podcast co-host (cough Timmy), this conversation is packed with practical takeaways, tax strategies, and jaw-dropping scenarios (like turning $7K/year into $4.75M tax-free).We also get into:Roth vs Traditional IRA pros & consCommon mistakes investors make (and how to avoid getting disqualified)How to structure deals to receive retirement dollarsReal estate, bonus depreciation, and... Brazilian sugar?Don't invest another dollar until you listen. Your future self will thank you.

Origins host Beezer Clarkson,  LP at Sapphire Partners and co-founder of OpenLP, and Nick Chirls, GP at Asylum Ventures, unpack their recent conversation with Sarah Tavel, Partner at Benchmark. Together they discuss their takeaways from Sarah's recent decision to take a step back at Benchmark to fully focus on AI, getting into the lessons they can learn from that approach and what that means for the future of artificial intelligence. They also discuss the current state of venture in light of this decade's AI boom, and theorize where this will put the ecosystem in the future.This episode of Origins is supported by Sydecar. Visit https://sydecar.io/origins-podcast to learn more.Learn more about Sapphire Partners: https://sapphireventures.com/sapphire-partnersLearn more about OpenLP: https://openlp.vcLearn more about Asylum Ventures: https://asylum.vcLearn more about Benchmark: https://benchmark.comRead Sarah's Substack Posts: https://sarahtavel.comFor a monthly roundup of the latest venture insights, including the newest Origins episodes, subscribe to the OpenLP newsletter – delivered straight to your inbox: https://subscribe.openlp.vcSydecar, Inc. (“Sydecar”) has acted as a financial sponsor within this Origins podcast. Sapphire Ventures, LLC (“Sapphire”) is not affiliated with or invested in Sydecar.CHAPTERS:0:00 Welcome to Origins0:48 How Do We Carve Out More Time For Thinking?3:02 How Are LPs Handling AI Risk?6:02 Can You Achieve AI Diversity as an LP?

I think Nick Radge's edge is actually an architecture: robust, simple, momentum-driven systems stitched together into a portfolio that survives, adapts, and compounds. Across nearly four decades, he's traded through crashes, chop, and melt-ups; shifted from futures to equities for business reasons; and kept his build-process stubbornly logic-first and comfortingly boring—by design. The pro vs amateur divide, per Nick: pros ride the drawdowns and are present for the next outlier. They profit from human bias—fear, greed, crowding—by refusing to trust their own emotions and by outsourcing discretion to rules they can defend under pressure. Write the plan. Build the engines. Diversify the return streams. Rebuke complexity. Then let compounding do its weird, beautiful work.COURSES, COMMUNITY & MORE OVER ON THE WEBSITE:https://www.algoadvantage.io

Tom Cock and Apella Wealth advisor Roxy Butner team up for a lively listener Q&A episode covering everything from the new wave of penny-stock IPOs to retirement readiness and tax traps. Tom opens with a warning about the surge in risky penny-stock offerings, then the two dive into listener questions about annuity sales pressure at Fidelity, portfolio diversification mistakes, CD taxation myths, Roth conversions, and one standout 21-year-old listener getting her financial life off to a stellar start. 0:05 Tom opens with a warning about the explosion in penny-stock IPOs 1:26 Why “lottery-ticket” stocks nearly always burn investors 2:21 Diversify, stay tax-efficient, and skip the hype 2:30 Roxy joins for listener Q&A 3:38 Fidelity's annuity pitch — a listener wonders if it's time to leave 5:05 Who's truly fiduciary: Fidelity vs. Vanguard vs. Apella 6:14 Vanguard dipping a toe into crypto 6:51 Quabina from Ohio: $2.2M at 47 — diversified enough to retire at 55? 8:14 Missing global diversification and bonds in an all-U.S. portfolio 9:57 Early-retirement planning challenges and healthcare costs 10:20 How to design the right stock-bond-international mix 11:36 Daniel from California: Are long CDs taxed as capital gains? 13:04 Why CD interest is always ordinary income — and muni bond alternatives 13:29 Year-end planning: RMDs, Roth conversions, and tax optimization 14:45 Common tax mistakes and mis-placed assets 15:19 Emily from Ohio: “Young and Dumb” — a 21-year-old investing the smart way 18:51 Building a first Roth IRA and why bonds don't belong yet 20:00 One-fund simplicity: AVGE vs. VOO 21:41 Long-term mindset: global diversification and patience pay off Learn more about your ad choices. Visit megaphone.fm/adchoices

Turns out the piggy bank is canceled, and it's got everything to do with your beauty business.In this episode, we're talking about what “diversifying” really looks like for salon owners: your time, your energy, your focus, and your marketing. Because if everything you're doing lives in one bucket, you're not building a business... you're building burnout.Inside this episode:Why going all-in on one thing (social, staff, or behind the chair) keeps you stuckHow to diversify your energy and systems for sustainable growthWhat the “piggy bank” mindset is costing your businessA look inside The Salon Owner Playbook, now exclusively inside The Monday ClubIf you're ready to grow like a CEO and not a stylist stuck in survival mode, this one's for you.

Feeling like your paycheck is your only safety net? It's time to change that. In this episode, Tracy Bingaman—PA, career coach, and your go-to brainstorming buddy—shares practical and creative ways to diversify your income as a clinician.From investing beyond retirement to medical surveys, teaching, consulting, and creative work like medical writing or coaching PA applicants, Tracy walks you through both active and passive income ideas that can help you build security and freedom.

“We don't think that anything is screaming ‘buy me',” Tim Holland says, saying investors should diversify. He expects a positive end to the year, though he notes that bad labor market reports could change that. Tim is “slightly overweight” international equities vs the U.S. because of the valuation and fiscal policy changes in Europe. He also touches on the financial sector, between big bank earnings and regional bank troubles, to talk about what's next.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Send us a textThe shed world isn't living in 2021 anymore, and that's exactly why this conversation matters. We sit down with Tyler Mayhan of Better Barns to unpack what happens when an industry grows up: the easy leads dry up, product mixes shift, and the real work of building sustainable demand begins. From the early days of cordless phones on tool belts to a modern operation where large metal buildings now account for a major share of revenue, Tyler maps a clear arc from hustle to strategy.We get honest about rent-to-own. It opened the door for buyers who couldn't write a big check, and in Oklahoma it still drives a hefty share of sales. But the monthly-payment mindset can also compress margins and tilt designs toward “good enough.” Tyler offers a balanced view: keep RTO because it serves customers, but don't let it set your whole roadmap. We explore why traditional financing is slower to catch on in rural markets, how demographics and density shape adoption, and what a resilient offer looks like when you sell across cash, RTO, and finance.The biggest shift is digital. Craigslist had a moment. Facebook Marketplace had a bigger one—until saturation and algorithms made it unreliable. The strongest buyers now arrive through Google to a fast, clear website with real SEO, clean product pages, and simple conversion paths. We talk through rebuilding a site, connecting forms to a CRM, treating online inquiries with the urgency of a phone call, and designing for two realities at once: older buyers who want a human on first ring and younger buyers who prefer forms, text, and self-serve configurators. Add a smart take on verticalization—what to bring in-house, what to leave to specialists—and you have a playbook for staying relevant as the shed industry evolves.If this conversation helps you sharpen your sales mix, rethink your website, or revisit how you use RTO, share it with a colleague. Subscribe, leave a review, and tell us: where are you seeing the best quality leads right now?For more information or to know more about the Shed Geek Podcast visit us at our website.Would you like to receive our weekly newsletter?  Sign up here.Follow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.To be a guest on the Shed Geek Podcast visit our website and fill out the "Contact Us" form.To suggest show topics or ask questions you want answered email us at info@shedgeek.com.This episodes Sponsors:Studio Sponsor: Shed ProCardinal LeasingDigital Shed BuilderIFABShed HubNewFound Solutions

In Part 2 of the Warren Buffett travel strategy series, DeAndre Coke continues exploring how Buffett's timeless financial wisdom applies to the world of points, miles, and strategic travel. Building on the foundations from Part 1, this episode focuses on patience, long-term thinking, and disciplined decision-making in the points and miles game.DeAndre unpacks how travelers can approach redemptions like investors — making fewer but smarter moves that align with personal travel goals. He dives deeper into the importance of diversification, avoiding impulsive redemptions, and treating major travel decisions as limited opportunities. This continuation cements the mindset that intentional planning and emotional control lead to the most valuable and rewarding travel experiences.Key Highlights:Patience pays off: Wait for the right redemption opportunities instead of rushing to use your points.Simplicity wins: A clear, focused travel strategy outperforms complex, scattered plans.Quality over quantity: Make fewer but smarter redemptions that bring higher value.The punch card mindset: Treat major travel decisions as limited opportunities — use them wisely.Avoid impulsivity: Don't chase trends or quick rewards that don't align with your travel goals.Diversify strategically: Spread your points across multiple programs to minimize risks.Don't hoard forever: Use your points regularly before they lose value or programs change.Understand your tools: Learn the details of each loyalty program to avoid missed opportunities.Mindset matters: Patience, logic, and restraint can yield greater long-term travel rewards.Resources:Applying Warren Buffett's Top 10 Rules to Travel, Points & Miles - Pt 1 A “Lazy” Approach to Travel Rewards with Genni of @travelingfranklins (Ep. 62)Book a Free 30 minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!BoldlyGo Travel With Points & Miles Facebook GroupInterested in Financial Planning?Truicity Wealth ManagementSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on Credit Card)Travel Freely

In this week's podcast, I talk about investing your pension at 50. Turning 50 is a wake-up call for your pension. It's not about panic - it's about planning smart. Here's what matters most: Key Points: • At 50, your goals shift — you're closer to retirement, but growth still counts. • Review your pension funds now: what's in equities, bonds, or cash? • Rebalance gradually.  • Diversify — global funds, low costs, and no guesswork. • Check old company pensions. Consolidate only if it saves on fees or boosts control. • Understand your tax position — up to 25% tax-free lump sum (max €200k). • Know your retirement routes: ARF for flexibility, annuity for certainty. • Independent financial planning helps avoid big mistakes — and stress! I hope it helps.

Episode 58: Job Hugging?!: Your Guide to Staying Put on Purpose in a Tight MarketWhat does it mean to job hug, and when is it actually the right move for you? In this episode of Careers at the End of the World, host Jenn Walker Wall breaks down why so many professionals are choosing to stay put right now and how to make that an intentional, strategic choice. From defining your “why” to setting benchmarks, upskilling, or running a quiet passive job search, Jenn shares practical ways to protect your options, strengthen your skills, and create structure in uncertain times. Because sometimes, a good-enough job in a not-so-great market is exactly the kind of stability you need while you plan your next move.She also introduces the Revive Sessions, new one-on-one strategy offerings from Work Wonders Careers with flexible pricing and a “take it if you need it” discount for those navigating career uncertainty.Episode HighlightsWhat “job hugging” means and why it's becoming more commonHow to make staying in your job an active decision, not a passive defaultThe risks and rewards of staying put during an unstable job marketWhy a good-enough job can be a great job in a not-so-great marketSimple ways to start a passive job search without burning outWhy upskilling, stretch projects, and small freelance tests build future stabilityHow to check in with your personal risk tolerance and set career benchmarksA look at the new REVIVE Sessions and how they support short-term strategy workEpisode Timestamps00:00 – Welcome and community updates: navigating work in uncertain times01:36 – Revive Sessions explained: new short-term coaching and career support04:52 – What is job hugging? Why professionals are staying put in 2025's job market09:49 – The pull of stability: routine, pay, and remote flexibility in a volatile economy13:30 – Job hugging risks: stagnation, burnout, and lost career momentum15:53 – Career growth from where you are: upskilling, reskilling, and passive job search tactics19:01 – Diversify your income: freelance, consulting, and portfolio career strategies21:27 – Jenn's personal pivot: embracing change and building sustainable successResources and LinksRevive Your Career Session or BundleEpisode 56: How to Create Income Without a Corporate Job: Portfolio Careers, Self Employment and Other Ways to Make $$Episode 57: What to Do When Your Industry Is in Crisis: Resume Strategies and Job Search Tips to Help You Pivot Careers in a Tough MarketWork Wonders Careers Job Search CommunityConnect with Jenn on LinkedInCreditsPodcast editing by Vienna DeGiacomo, Good Story Branding

In this episode of the Business of Aesthetics Podcast, host Adeesha Pemananda is joined by Dr. Shino Bay Aguilera, a world-renowned dual board-certified cosmetic dermatologist and a pioneer in bioregenerative techniques and the number one provider of Sculptra aesthetics in the U.S. The discussion, titled "Breaking the Regenerative Plateau: How Clinics Can Differentiate, Diversify, and Scale Beyond Biostimulators in 2026," provides a visionary roadmap for clinics looking to move past traditional biostimulation and into the future of cellular longevity and orchestration. Dr. Shino Bay emphasizes that the next wave of aesthetics isn't about adding more biostimulators; it's about activating the body's own cellular intelligence through orthomolecular signaling, like polyrevitalizing micronutrients, to improve tissue structure and function. He explains the difference between these micronutrients and PRP, detailing how combining them with traditional biostimulators like Sculptra or Radiesse can amplify results, leading to a total rejuvenation of the dermis's structure and function. He shares his practice's financial success, showing a massive return on investment from integrating these inexpensive micronutrients. To stand out in a crowded regenerative space, Dr. Shino Bay advises clinics to educate and elevate their patients' understanding, positioning the body as an ecosystem, not a canvas. He urges practitioners to adopt a philosophy of achieving true bio-restoration—not just external rejuvenation, by integrating functional aesthetic medicine principles like orthomolecular diagnostics, mitochondrial optimization, and hormonal balance into a unified, evidence-based system. Finally, he provides strategic advice on scaling, focusing on diversity through depth, not volume. He covers the financial, operational (investing in full-team training), and regulatory obstacles, stressing the need for compliance, transparency, and partnering with credible, ethical suppliers. Dr. Shino Bay's key takeaway is that every cell is a conscious, living entity that needs nutrition, protection, and hydration; when practitioners deliver this locally, they amplify all other treatment results.

In part two of this powerful conversation, Dr. Lauryn and Kiera Dent go beyond burnout to talk about what comes after fixing your business finances—how to build true wealth, create freedom, and stop trading every hour for income. Picking up where last week left off, they dive deep into the realities of money, marriage, and mindset in healthcare ownership.Together, they discuss the “spender vs. saver” dynamic in relationships, how to align your financial goals with your partner, and why discipline and simplicity are the keys to long-term security. Lauryn shares how she diversified her income through real estate, crypto, and personal branding, while Kiera outlines her step-by-step system for mapping financial freedom levels—from survival to abundance. If you've ever wondered how to actually buy back your time as a healthcare entrepreneur, this is your roadmap.Key Takeaways:Make the money, keep the money. Profit margins are just the start—wealth comes from disciplined saving, investing, and resisting lifestyle creep.Balance spender vs. saver energy. Success in business and marriage requires clear financial communication and shared vision, not control or guilt.Diversify your income streams. Lauryn shares how adding digital products, real estate, and crypto created freedom beyond her clinic.Buy back your time. Hiring leadership like a Director of Operations and learning to delegate are key to scaling and reclaiming your energy.Reinvent yourself every 7–12 years. Growth requires embracing change instead of fighting it—career reinvention is part of a healthy, evolving life.About the Guest:Kiera Dent is the CEO and founder of The Dental A Team, where she and her team consult with hundreds of dental practices nationwide. Drawing on her experience in nearly every role within a dental office, Kiera helps teams streamline systems, elevate accountability, and boost profitability while still living their best lives. Her mission is to positively transform the structure and culture of dental practices, empowering providers and teams to achieve greater success with less stress.Listen to The Dental A Team: Spotify | AppleFollow Kiera: Instagram Check out all things The Dental A TeamResources:Join Callan Faulkner's Automate to Accelerate: The Only Proven System to Transform Hire-First Founders into AI Architects and Build Lean, Profitable Businesses That Scale Without BloatGrow Your Following: A 3-Day Bootcamp for Healthcare Providers Who Want More Reach, More Followers, and More Impact (October 28th, 29th, 30th)Join The Uncharted CEO: An 8-week immersive experience for clinic owners designed to increase revenue, maximize profits, and build cash flow systems that create freedom NOW, not at 65. Not sure if The Uncharted CEO is right for you? Take the quiz and find out!Join

The Sinaloa Cartel made the bulk of its money on cocaine. But cartels are diversifying into new operations including things like wildlife trafficking. Think sharks, jaguars, capybaras. The result is something called “narco-degradation.” On today's show, we look at what's driving cartels beyond drugs and how this is wreaking havoc on ecosystems in Central America.Related episodes: Can breaking the law be good for business? Waste Land Will Economic Growth Destroy the Planet? For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Wondering if you're making the right financial moves? Let's build a strategy you can rely on. Schedule a call with Peter to get professional guidance. -----  Many investors want to diversify out of a few appreciated stocks but can't stomach the tax bill that comes with selling. In this episode, Peter Lazaroff explains how Section 351 exchanges give investors a smarter, tax-efficient way to move from concentrated stock positions into diversified ETFs–without triggering immediate capital gains. Listen now and learn: ► What a 351 exchange is and how it works ► Who's a good candidate–and who isn't ► Questions to ask an advisor before pursuing one    Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)     Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

If your income feels like a rollercoaster, you're not alone — most wellness practitioners struggle with inconsistent revenue. In this episode, we'll break down practical ways to build a steady, predictable income by adding recurring revenue streams to your cash-based practice. We'll cover: ✔️ The 3 types of recurring revenue models ✔️ How to choose the best one for your practice ✔️ Common mistakes practitioners make ✔️ Real-life examples that actually work Whether you're brand new to the idea or ready to scale, this episode will give you a step-by-step plan to stop chasing the next appointment and start creating financial peace of mind.

Rudy Delatorre - Roost 83 & 59, owner of The Roost restaurants in Lake Villa and Grayslake. Rudy shares his journey from working at Mitch's in Grayslake to running his own family-involved business, discusses menu highlights like Italian beef and creative shakes, and reflects on the challenges of expansion and catering. The conversation covers community involvement, the importance of service, handling reviews, and balancing work with family.  Lessons from The Roost: Building a Family Restaurant, Community Connections, and Customer Service Excellence In this episode of "Discovering Grayslake," host and local business advocate sits down with Rudy De La Torre—known to many as "Dicey"—the owner of The Roost, a beloved restaurant with locations in Lake Villa and Grayslake, Illinois. The conversation is a masterclass in what it takes to build a successful, community-focused restaurant business, and it's packed with actionable insights for anyone interested in entrepreneurship, hospitality, or simply supporting local gems. Below, we break down the main themes and expert advice from the episode, offering a comprehensive guide for listeners and readers who want to learn from Rudy's journey. Table of Contents The Power of Family in Business Service First: Why Customer Experience Matters Most Scaling Up: Challenges and Realities of Expansion Menu Development: Balancing Tradition and Creativity Catering and Food Trucks: Diversifying Revenue Streams Handling Reviews and Customer Feedback Community Involvement: The Heart of Local Business Work-Life Balance and Personal Growth Key Takeaways and Actionable Advice The Power of Family in Business Rudy's story is a testament to the unique strengths and challenges of running a family business. Insights from the Episode Family as a Workforce:** Rudy's sister, mother, and other relatives are integral to daily operations. Family members often go the extra mile, driven by a personal stake in the business's success. Pluses and Minuses:** While family brings dedication and trust, it can also blur boundaries. Rudy admits, “She's the only employee I've ever apologized to,” highlighting the need for humility and open communication. Generational Knowledge:** Rudy grew up in the restaurant world, learning from his parents and passing on that work ethic to his own family. Actionable Advice Set Clear Roles:** Even with family, define responsibilities and expectations to avoid misunderstandings. Communicate Openly:** Regular check-ins and honest feedback are essential—treat family with the same respect as any valued employee. Leverage Family Strengths:** Use the trust and commitment of family to build a strong, reliable core team. Service First: Why Customer Experience Matters Most Rudy's immediate question after the host's visit wasn't about the food—it was about the service. Insights from the Episode Service as a Differentiator:** In a crowded market, exceptional service sets you apart. Rudy's team is trained to prioritize customer satisfaction, especially during busy rushes. Empower Employees:** “Just fix the problem. Don't ask questions. Make the customer happy.” This philosophy empowers staff to resolve issues on the spot, reducing friction and building loyalty. Actionable Advice Train for Empathy:** Teach staff to listen, empathize, and act quickly to resolve concerns. Monitor Peak Times:** Anticipate rushes and staff accordingly to maintain service quality. Solicit Feedback:** Regularly ask customers about their experience and use their input to improve. Scaling Up: Challenges and Realities of Expansion Opening a second location is a major leap, and Rudy's experience offers a candid look at the process. Insights from the Episode From Employee to Owner:** Rudy transitioned from working at Mitch's to taking over a turnkey operation on Route 59, learning the ropes before making it his own. Staffing Struggles:** As the Grayslake location grew, finding committed employees became a challenge, requiring Rudy to be “boots on the ground” more often. Family as a Safety Net:** When hiring is tough, family members step in to keep operations running smoothly. Actionable Advice Start Small, Learn Fast:** Work in the business before owning it to understand the nuances. Prepare for Staffing Gaps:** Build a network of reliable part-timers or family who can step in as needed. Don't Rush Expansion:** Ensure your systems and team are ready before opening a new location. Menu Development: Balancing Tradition and Creativity The Roost's menu is a blend of classic comfort food and creative twists, all made from scratch. Insights from the Episode Signature Dishes:** Italian beef, roast pork, and the Rooster Chicken sandwich are standouts, with homemade sauces and customizable toppings. Quality Ingredients:** Everything is cooked, sliced, and prepared in-house, ensuring freshness and flavor. Creative Sides and Shakes:** Fried pickles, mushrooms, and inventive milkshakes keep the menu exciting and encourage repeat visits. Actionable Advice Focus on Quality:** Make as much as possible from scratch to control quality and stand out. Offer Customization:** Allow customers to personalize their meals for a better experience. Experiment Regularly:** Introduce new items or limited-time specials to keep the menu fresh. Catering and Food Trucks: Diversifying Revenue Streams Catering is a growing part of The Roost's business, and Rudy is considering a food truck to expand further. Insights from the Episode Catering Challenges:** Graduation parties are a big hit, but limited equipment and staffing can constrain growth. Food Truck Realities:** Permits, competition, and logistics make food trucks a significant investment, but they offer flexibility for events and catering. Actionable Advice Start with Core Offerings:** Focus on catering events that match your current capabilities. Research Regulations:** Understand local permit requirements before investing in a food truck. Use Events for Exposure:** Participate in local festivals and community events to build brand awareness. Handling Reviews and Customer Feedback Online reviews are a double-edged sword, but Rudy's approach is refreshingly pragmatic. Insights from the Episode Fix Problems Directly:** Rudy encourages customers to speak up in person so issues can be resolved immediately. Don't Obsess Over Reviews:** “A bad review doesn't define your business.” Focus on consistent quality and let word of mouth do the rest. Word of Mouth is King:** Personal recommendations from satisfied customers are more valuable than viral social media moments. Actionable Advice Respond Calmly:** Address negative reviews professionally, but don't let them consume you. Encourage Direct Feedback:** Make it easy for customers to share concerns privately. Build a Loyal Base:** Focus on creating memorable experiences that customers want to share. Community Involvement: The Heart of Local Business The Roost is deeply embedded in the Grayslake and Lake Villa communities, supporting events and building relationships. Insights from the Episode Event Participation:** Rudy's team caters school events, graduation parties, and would love to do more local festivals. Local Partnerships:** Word of mouth and referrals from other business owners (like Drake from Servpro) are crucial for growth. Visibility Challenges:** Even with a prime location, many locals may not know about The Roost—community engagement helps bridge that gap. Actionable Advice Sponsor Local Events:** Get involved in festivals, school functions, and charity events. Network with Other Businesses:** Build relationships with local entrepreneurs for mutual support and referrals. Stay Visible:** Use signage, social media, and community boards to remind locals you're there. Work-Life Balance and Personal Growth Rudy's commitment to health, family, and personal interests keeps him grounded and energized. Insights from the Episode Early Mornings:** Rudy hits the gym at 5 a.m. daily, setting a positive tone for the day. Family Time:** Supporting his daughter at LSU and traveling for family events are priorities. Personal Interests:** From attending concerts to Bears games, Rudy makes time for fun and relaxation. Actionable Advice Prioritize Self-Care:** Regular exercise and hobbies help prevent burnout. Celebrate Milestones:** Take time to enjoy family achievements and personal interests. Set Boundaries:** Even in a demanding business, carve out time for yourself and loved ones. Key Takeaways and Actionable Advice Rudy De La Torre's journey with The Roost offers a blueprint for building a resilient, community-focused restaurant. Top Lessons Family can be your greatest asset—if you communicate and set clear expectations.** Exceptional service is non-negotiable; empower your team to make things right.** Expand thoughtfully, ensuring your systems and staffing are ready for growth.** Keep your menu fresh and high-quality, balancing tradition with creativity.** Diversify revenue streams through catering and events, but know your limits.** Handle reviews with grace, focusing on direct feedback and word of mouth.** Engage deeply with your community to build lasting relationships and visibility.** Maintain work-life balance to sustain your passion and energy.** Final Thoughts Whether you're a

This Podcast Is Episode 646, And It's About Insights For Small Construction Business Owners Post-Disruption The past few years have been challenging for small business owners everywhere. For contractors, the global disruptions—pandemic shutdowns, supply chain bottlenecks, labor shortages, and inflation—hit especially hard. Projects were delayed, material costs spiked overnight, and cash flow felt like a rollercoaster.   If you're a small construction business owner, you've lived through it. And while it's been painful, it's also been a powerful teacher. As construction bookkeeping specialists, we've had front-row seats to see how disruptions shook contractors and what strategies helped them survive—or even thrive—despite the chaos.    Here are the key lessons learned from global disruption that every small contractor should carry forward.   1. Cash Flow is King When the world turned upside down, it wasn't just about profits on paper—it was about cash in the bank. Contractors who had substantial cash reserves or disciplined systems for separating money (using methods like Profit First) were able to weather late client payments, supply delays, and unexpected expenses. Those who ran lean with no buffer struggled the most. Many relied on credit cards, lines of credit, or personal savings to keep projects moving. Lesson: Always budget with a cushion. Build a reserve fund equal to at least two to three months of operating expenses. Cash flow isn't a luxury—it's survival. 2. Material pricing can change overnight Lumber tripled in price. The costs of concrete, steel, and copper spiked. Even basic items like drywall screws saw shortages. For contractors who bid on jobs months in advance, these increases wiped out their profit margins. The most resilient contractors learned to: Add price escalation clauses in contracts. Limit the validity period of an estimate. Communicate openly with clients about material volatility. Lesson: Build flexibility into your pricing. Protect yourself in writing from market swings you can't control.   3. Diversification builds stability Some contractors relied heavily on one type of work, such as extensive remodels or commercial tenant improvements. When those markets slowed during lockdowns, their revenue disappeared. Others had more diversified income streams—such as small service calls, maintenance contracts, consulting work, or digital products—and were able to pivot. Lesson: Don't rely on one type of project or client. Diversify your work mix so when one stream slows, another sustains you. 4. Relationships matter more than ever When suppliers had limited stock, who got the materials first? The contractors have strong, long-standing relationships. When crews were in short supply, which subs stuck around? The ones treated fairly, paid promptly, and respected. Lesson: Invest in your relationships. Pay suppliers and subs on time. Be transparent with clients. In times of disruption, trust and loyalty can save your business. 5. Technology isn't optional anymore The pandemic accelerated the adoption of technology across the industry. Contractors who relied only on paper receipts, hand-written invoices, or in-person meetings found themselves at a standstill. Those using cloud-based bookkeeping, project management apps, digital invoicing, and video calls continued to move forward. Lesson: Adopt technology before you “need” it. Utilize digital systems for bookkeeping, estimating, contract management, and communication. It's not about replacing personal touch—it's about being adaptable when disruptions happen. 6. Lean teams are resilient teams   Many small contractors discovered they were carrying extra overhead—unused office space, underutilized vehicles, or administrative costs that didn't directly produce profit. During global disruption, reducing the crew to essentials, subs, and systems made survival possible. Lesson: Know your actual costs and eliminate waste. A lean operation is easier to sustain through downturns and easier to scale when demand returns.   7. Communication is your strongest tool   One of the biggest frustrations during disruption was uncertainty. Clients wanted updates. Subs wanted to know if they'd be paid. Suppliers were vague about delivery dates. Contractors who communicated clearly—even if the news wasn't good—earned respect. Those who stayed silent or overpromised quickly lost trust. Lesson: Make communication a priority. Share updates often and honestly. It builds confidence, even when circumstances aren't ideal.     8. Mental health and burnout are real   Global disruption didn't just strain finances—it strained people. Many contractors burned out from trying to keep jobs going under impossible conditions. Some worked longer hours to break even. Those who emerged stronger learned to set boundaries, delegate, and take care of themselves as much as they did their businesses. Lesson: You can't build a sustainable business if you're running on empty. Take time to recharge. A healthy owner leads a wholesome company.   9. Long-term planning beats short-term panic   Disruption exposed those who were running their business reactively and those who had systems in place for long-term stability. Contractors with business plans, financial tracking, and clear goals were able to make adjustments without losing direction. Those who made decisions only in the heat of crisis often compounded their problems. Lesson: Develop a Long-Term Strategy for Your Business. Even if the world shifts, you'll have a framework to guide your choices.   10. Adaptability is a competitive advantage   Perhaps the biggest lesson? The contractors who survived weren't always the strongest or the biggest—they were the most adaptable. They adopted new ways of working, revised their bidding process, experimented with various marketing approaches, and weren't afraid to adapt their business model. Lesson: Stay flexible. The ability to pivot quickly is more valuable than size or experience.   Final thoughts Global disruption has left scars on the construction industry, but it has also left lessons that we can't ignore. For small contractors, the takeaway is clear: Protect your cash flow. Write airtight contracts. Diversify your work. Invest in relationships and technology. Prioritize communication and your own well-being. Disruptions may come again—whether global or local. But the lessons you've learned now can make your business stronger, more resilient, and more profitable in the long run. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

These three companies aren't in AI or technology. Diversify your portfolio away from just 7 stocks. (0:35) - Finding Strong Growth Stocks Outside The Magnificent 7 (4:30) - Tracey's Top Stock Picks For Your Watchlist Right Now (24:45) - Episode Roundup: FAST, COST, BRK.B

On August 28, I hosted a webinar on Building Diverse Design Teams in which I spoke to some of the top leaders in design about the importance of building a more diverse, equitable and representative profession—and what we as individual leaders can do to make that happen. The event was also a fundraiser for an organization called Diversify by Design, and their program DESIGN=, which provides design curriculum kits, teacher training, mentorship, and career guidance to middle- and high-school classrooms in marginalized communities. My co-host for the event was design leader, educator, author, and tv presenter, Kevin Bethune. In part two of this two-part episode, Kevin and I are joined by Tysonn Betts, Omari Souza, and Debbie Millman, and we also heard from students who are working with the DESIGN= curriculum kits in the classroom. In part one—which dropped last week—we were joined by Oen Hammonds, Shawn Williams, and Ellen McGirt.Doug Powell is an award-winning designer and executive design leader with more than 30 years of experience in a wide range of design disciplines. Learn more about Doug's practice as a consultant, educator, and coach at his website dougpowell.design.

Brandon is a seasoned Amazon entrepreneur. He is the co-founder of Innovate, and he is the driving force behind a successful Kitchenware Brand with years of experience building and scaling e-commerce businesses. Brandon brings a unique perspective, shaped by both his entrepreneurial journey and his background as an attorney. Today we're going to be diving into his business. What is he doing with the challenges we're all faced with tariffs and Amazon fees and increasing competition? He's going to be sharing his journey and his tips and strategies he's implementing in his business today.Highlight Bullets> Here's a glimpse of what you would learn…. Journey and experiences of an Amazon entrepreneur in e-commerce.Challenges faced in 2025, including tariffs, Amazon fees, and competition.Importance of pricing strategies and ad spend management for profitability.Insights on product listing optimization and inventory management.Growth and significance of the Innovate conference for e-commerce sellers.Strategies for navigating sourcing challenges and diversifying manufacturing locations.The role of customer feedback and product testing in successful launches.Legal considerations in e-commerce, including trademark and patent issues.Importance of continuous product innovation and optimization for sustained success.Recommendations for leveraging tools and resources to enhance e-commerce performance.In this episode of the Ecomm Breakthrough Podcast, host Josh Hadley interviews Brandon Fuhrmann, Amazon entrepreneur and co-founder of Innovate. Brandon shares advanced strategies for scaling e-commerce brands, including optimizing pricing, ad spend, and product listings amid rising tariffs and fierce competition. He discusses leveraging international markets, building a lean team, and the importance of continuous product innovation. Brandon also offers actionable insights on legal protections, customer feedback, and multichannel expansion. Listeners gain practical, high-level tactics to drive profitability and resilience, plus an exclusive invitation to the Innovate conference for elite sellers aiming to reach 8 figures and beyond.Here are the 3 action items that Josh identified from this episode:Play the Price–Ad Spend Game: Adjust pricing & PPC together. Drop prices to rank faster, then raise and boost ads to keep momentum.Keep Listings Fresh: Constantly update images & copy based on split tests and customer feedback. Have backups ready to pivot fast.Diversify or Die: Sell in multiple marketplaces (EU, CA, Walmart, Shopify) so you can shift inventory when tariffs or demand change.Resources mentioned in this episode:Insiders Agency: 00:16:10Helium 10: 00:27:14Jungle Scout: 00:27:14Shopify: 00:23:55Walmart: 00:22:26Faire: 00:24:41SellaMetrics: 00:33:58Amazon: 00:03:33FBA (Fulfillment by Amazon): 00:03:45PPC (Pay-Per-Click) Advertising: 00:18:42E-myth by Michael E. Gerber: 00:00:37Grit by Angela Duckworth: 00:44:49Deep Work by Cal Newport: 00:50:13Jabran Niaz on LinkedIn: 00:51:30Innovate Conference: 00:52:16Special Mention(s):Adam “Heist” Runquist on LinkedInKevin King on LinkedInMichael E. Gerber on LinkedInRelated Episode(s):“Cracking the Amazon Code: Learn From Adam Heist's Brand Scaling Secrets” on the eComm Breakthrough Podcast“Kevin King's Wicked-Smart Tips for Building an Audience of Raving Fans” on the eComm Breakthrough Podcast“Unlocking Entrepreneurial Greatness | Insider Secrets With E-myth Author Michael Gerber” on the eComm Breakthrough PodcastEpisode SponsorThis episode is brought to you by eComm Breakthrough Consulting where I help seven-figure e-commerce owners grow to eight figures. I started Hadley Designs in 2015 and grew it to an eight-figure brand in seven years.I made mistakes along the way that made the path to eight figures longer. At times I doubted whether our business could even survive and become a real brand. I wish I would have had a guide to help me grow faster and avoid the stumbling blocks.If you've hit a plateau and want to know the next steps to take your business to the next level, then go to www.EcommBreakthrough.com (that's Ecomm with two M's) to learn more.Transcript AreaBrandon 00:00:00  When you look at profitability, there's the two biggest levers are really pricing and ad spend. Right. So you can you can price your product cheap and have lower ad spend and make the same amount as having a price that's expensive. But you've got to pump the ad spend, right. So it's kind of a fine balance between the two and kind of seeing, you know, can I lower ad spend here but keep pricing the same? Can I lower pricing and then lower AD spend to make up for that.Host 00:00:24  Right. Welcome to the Ecomm Breakthrough podcast. Are you ready to unlock the full potential and growth in your business? You've already crossed seven figures in sales, but the challenge is knowing how to take your business to the next level.Josh 00:00:37  Welcome to the Ecomm Breakthrough podcast...

How can emergency physicians thrive in a broken system while staying true to themselves? In part two of this Echo Episode, Dr. Andrea Austin and Dr. Leslie Crawford explores sustainable solutions for physician well-being and systemic change in healthcare. Leslie shares insights from her journey as an emergency physician, reflecting on the toll of circadian rhythm disruptions, the limitations of quick-fix administrative solutions, and the power of personal practices like meditation and fitness. From navigating burnout to embracing compassion over judgment, this episode offers practical strategies for physicians and system leaders alike.You'll hear how they:Challenge quick-fix solutions like bonuses and travel nurses, advocating for cultural shifts in healthcare.Explore whether full-time emergency medicine is sustainable long-term and the value of diversifying income streams.Share mindfulness techniques, like five-minute meditations and loving-kindness practices, to combat burnout and judgment.Emphasize fitness and parasympathetic activities (e.g., yoga, swimming) for stress relief and longevity.Offer metaphors from surfing and paddleboarding to face life's challenges with resilience and acceptance.If you're feeling overwhelmed by shift work or seeking ways to reclaim joy in medicine, this episode provides actionable steps and hope for lasting change.About the Guest“Meditation isn't about clearing your mind—it's about investigating what's there.” – Dr. Leslie CrawfordDr. Leslie Crawford is a board-certified emergency physician, Afghanistan combat veteran, and author of the Stress Relief Survival Guide. With experience on the COVID frontlines and a career shaped by military service, she has developed practical, research-backed techniques to manage stress in high-stakes environments. Now training to become a meditation teacher through The Path program, Dr. Crawford is passionate about helping physicians embrace mindfulness, track heart rate variability, and prioritize recovery to combat burnout.

Most investors have been ignoring international stocks lately because the US market has been performing so well—but that strategy might backfire this year, with international markets significantly outpacing American stocks. In this episode, I dive into why diversifying globally isn't just smart investing; it's essential for long-term wealth building. We explore how the US currently dominates 61% of world market capitalization, but history shows this wasn't always the case—and it won't necessarily continue. I share four key reasons international investing should be part of your portfolio: it reduces geographic risk when any one country hits turbulence, gives you access to high-growth emerging markets that have delivered spectacular returns, protects you through currency diversification, and helps overcome the natural tendency to only invest in familiar companies. The numbers tell a compelling story—while the S&P 500 is up around 12% this year, international developed markets are up nearly 30%, and some individual countries have delivered returns of 50-90% in recent years. Whether you're completely US-focused or wondering how much international exposure makes sense for your situation, this episode provides the data and reasoning you need to build a more resilient, globally diversified portfolio. I also touch on an interesting parallel between portfolio diversification and gut health—turns out both benefit from variety and balance. Outline of This Episode [01:12] The importance of the gut microbiome for health. [03:42] International markets surpass US performance right now. [06:24] International diversification mitigates geographic risk. [10:25] A globally diversified portfolio balances volatility and gives opportunity for growth. [13:49] invest internationally to protect against domestic currency depreciation. [15:13] Why to overcome a behavioral home country bias. [17:06] Review your health and financial diversification. Building a healthier, more resilient investment portfolio. Broadening your approach—whether it's what you eat or where you invest—can improve your long-term outcomes. Did you know that we all have an ecosystem of microbes living within our intestines? Science increasingly shows that a highly diverse gut microbiome is linked to better health, well-being, and more healthy years well into old age. A thriving gut health requires at least 30 different types of plant-based foods each week. The greater the diversity, the more kinds of helpful bacteria can flourish, supporting everything from digestion to immunity. Just as variety improves gut health, diversity is equally essential in investing. Many Americans have opted to remove international stocks from their portfolios, citing the recent dominance of U.S. markets. I want to push back on this trend, with these important points: The Shifting Sands of Market Dominance: As of early 2024, U.S. markets make up approximately 61% of the world's capitalization. The next-largest...

At FinCon, Chuck Gaffe- moneylifeshow.com sat down with Paul for a wide-ranging conversation about investing and financial independence.Paul shared insights on the rise of index funds, the FIRE movement's “one-fund-for-life” approach, and how small portfolio adjustments can boost long-term returns. He also discussed timeless investing principles like staying the course, understanding risk, keeping costs low, and diversifying wisely.At FinCon, Paul reflected on everything from the rise of index funds to the FIRE movement's “one-fund-for-life” strategy. His message was clear: while simple investing solutions can work, small, thoughtful adjustments—like adding different asset classes—can meaningfully improve long-term returns.Paul also emphasized timeless investing principles:Stay the course. Don't bail when markets turn volatile.Understand your risk. Know how much you can afford to lose before the storm comes.Avoid unnecessary costs. A fraction of a percent in fees can add up to millions over a lifetime.Diversify wisely. A broad mix of assets offers protection and opportunity across market cycles.Whether discussing crypto, ETFs vs. mutual funds, or portfolio allocation strategies, Paul's advice always comes back to one goal: helping investors achieve financial independence with confidence and peace of mind.You can explore his free resources, podcasts, and articles at paulmerriman.com

On August 28, I hosted a webinar on Building Diverse Design Teams in which I spoke to some of the top leaders in design about the importance of building a more diverse, equitable and representative profession—and what we as individual leaders can do to make that happen. The event was also a fundraiser for an organization called Diversify by Design, and their program DESIGN=, which provides design curriculum kits, teacher training, mentorship, and career guidance to middle- and high-school classrooms in marginalized communities. My co-host for the event was design leader, educator, author, and tv presenter, Kevin Bethune. In part one of this two-part episode, Kevin and I are joined by Oen Hammonds, Shawn Williams, and Ellen McGirt, and we also heard from teachers who are working with the DESIGN= curriculum kits in their classroom. In part two—dropping next week—we are joined by Tysonn Betts, Omari Souza, and Debbie Millman.Doug Powell is an award-winning designer and executive design leader with more than 30 years of experience in a wide range of design disciplines. Learn more about Doug's practice as a consultant, educator, and coach at his website dougpowell.design.

Megan chats with Kelsey Smith, who went from beauty YouTuber to successful food blogger, about how to reinvent your blog with intentional pivots and smart systems (instead of giving up completely). Kelsey Smith is the recipe developer and content creator behind By Kelsey Smith, where she shares shortcut, no-fuss comfort food for busy families. Her recipes focus on simple, time-saving ingredients that make homemade cooking feel doable, even on the busiest nights. From no-bake desserts to one-pan meals, everything is designed to minimize effort without sacrificing flavor. Blogging rarely follows a straight path. From beauty YouTube videos to a food blog that now out-earns Kelsey freelance work, this story shows how resilience, systems, and incremental changes can lead to sustainable growth. Key points discussed include: - Pivot with purpose: See how shifting niches can unlock new energy and direction. - Incremental change works: Learn how small, steady steps prevent burnout and create momentum. - Ride the ups and downs: Find out how to navigate algorithm hits, traffic drops, and discouragement. - Systems bring peace: Build schedules and backend workflows that make blogging manageable. - Community matters: Discover why masterminds, groups, and conferences accelerate growth. - Diversify income: Balance freelance work and blogging to create stability and confidence. - Stay authentic: Focus on the work you love while letting go of trends that no longer serve you. Connect with Kelsey Smith Website | Instagram

You've built up (or are about to build) a rental portfolio, but something is telling you it's time to pivot. Maybe you've gone too far into one strategy, like owning eight short-term rentals. Or you're seeing new build-to-rent properties with low prices, low maintenance, and low interest rates, and thinking “hmm…that seems like a good deal.” How do you know when to stay on course with your original plan or pivot to something greater? Which will get you financial freedom faster (and safer)? This is a dilemma that you're probably facing, and if you aren't right now, you will. Garrett Brown is facing this conundrum head-on. He's spent years building a real estate portfolio, but he's deep in the vacation rental realm. He wants a safer, more passive, less time-intensive way to diversify his portfolio, so what should he do? He's got three options: buy a small multifamily rental, buy another short-term rental in a different part of town, or take advantage of new-build properties with price cuts and significant builder concessions. These are options that are probably open to you right now, and we're about to show you which makes the most money, which has the least stress, and which is the best for real estate diversification.  In This Episode We Cover Build-to-rent vs. multifamily vs. Airbnb: Which is the best bet in 2025? When to pivot strategies and do something new to diversify your real estate portfolio Red flags when buying a long or short-term rental that could hurt your cash flow Are the high returns of Airbnb worth the added stress/time to manage?  The unbeatable benefit of new-build rental properties in 2025   And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1173 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to think about AI stocks and decide if now's the time to buy a car, including how to choose between 48- and 60-month loans. Are AI stocks in a bubble? Should you buy a car now or wait? Hosts Sean Pyles and Elizabeth Ayoola discuss AI-driven market euphoria and today's car-buying math to help you understand how to balance risk in your investments and make a cost-smart auto purchase. Joined by NerdWallet senior news writer Anna Helhoski and investing writer Sam Taube, they begin with a discussion of whether AI stock valuations resemble the late-'90s dot-com era, with tips and tricks on reading signals like index P/E ratios, building diversification beyond a single index fund, and using “lazy portfolios” or robo-advisors to stay balanced. Then, auto Nerd Shannon Bradley joins Sean and Elizabeth to discuss the 2025 car market and financing choices. They discuss what stable-but-high prices mean for timing a purchase (and how tariffs could push prices higher), how much to put down and when negotiation is realistic, and choosing between 48- vs 60-month terms if you expect to pay a loan off early. You'll also hear practical pointers on pre-qualification vs. pre-approval, checking Kelley Blue Book and Edmunds pricing, avoiding prepayment penalty surprises, and a reminder to consider tax implications if you plan to clear an auto loan with pension income. Mentioned in this episode: Lazy Portfolios: How to Diversify with Just a Few Funds Best Robo-Advisors: Top Picks for 2025 Car Shopping? The ‘Big, Beautiful Bill' May Change What You Pay Estimate your monthly car loan payment and total cost with NerdWallet's auto loan calculator. Adjust car price, term, rate and down payment to find the best fit for your budget. https://www.nerdwallet.com/calculator/auto-loan-calculator  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: AI bubble, Nvidia market cap, are AI stocks overvalued, Nasdaq 100 PE ratio, S&P 500 concentration, diversification strategy, lazy portfolio, robo-advisor comparison, bond allocation, international index fund, how to invest during AI boom, dot-com bubble vs AI, used car prices 2025, average new car price KBB, car tariffs impact on prices, is now a good time to buy a car, negotiating car price, Kelley Blue Book vs Edmunds, 48 vs 60 month auto loan, auto loan interest cost, prequalification vs preapproval, hard credit inquiry car loan, prepayment penalty auto loan, auto loan calculator, refinance auto loan rules, when to buy previous model year car, dealer incentives low APR, end of month car deals, pension to pay off car, car loan term strategy, tariffs and carmakers losses, Edmunds used car average price, S&P 500 exposure to AI, best Robo advisors list, and lazy portfolio examples. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Click Here for the Show Notes In this special rewind episode, Marco answers a listener's two-part question on diversifying real estate investments across markets and navigating financing options beyond 10 properties. Whether you're sitting on strong cash-flowing rentals or planning your path to 25 doors, this episode delivers timeless insights into market risk, financing strategies, and how to scale smart. Don't miss this classic deep dive that's just as relevant today as when it first aired! -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2020) This episode is part of our Throwback Series and may include references to older content such as webclasses, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to Do you really need an LLC before buying your first rental property? Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals.