Podcasts about diversify

When it comes to investing money, don't put all your eggs in one basket. Spread out your investments among different types of assets and sectors, so you're not overexposed if one of them takes a hit. In this episode, we'll walk you through different types of assets, how your investment strategy should change depending on your age and needs, and a simple rule of thumb to calculate your stock versus bond allocation.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

email chris@drchrisloomdphd.com with "Podcast freebie" to book a coveted FREE guest spot on the show. To book a PREMIUM spot on the Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.drchrisloomdphd.com/_paylink/AZpgR_7f⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book a 1-on-1 coaching call: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.drchrisloomdphd.com/booking-calendar/introductory-session⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Become a member of our Podcast community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.drchrisloomdphd.com/membership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our email list: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://financial-freedom-podcast-with-dr-loo.kit.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here to join PodMatch (the "AirBNB" of Podcasting): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.joinpodmatch.com/drchrisloomdphd⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here to purchase my books on Amazon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/2PaQn4p⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here to purchase my audiobooks, visit: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1F⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠To help support the show:CashApp- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cash.app/$drchrisloomdphd⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Venmo- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://account.venmo.com/u/Chris-Loo-4⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy Me a Coffee- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.buymeacoffee.com/chrisJx⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  

If your favorite social media platform disappeared tomorrow, how many people could still find you? Most entrepreneurs don't own their visibility, they rent it from algorithms they can't control. In this episode, Crissy Conner breaks down the "Visibility Diversification" strategy for 2026, shifting you from borrowed traffic to owned assets like email and searchable content that works while you sleep and don't lose the human connection.Unmuted https://thevisibleceo.com/unmutedGive Me 10 https://thevisibleceo.com/giveme10OMNI is my full visibility system built for CEOs who want to grow online without living on their phone. If you're ready to be truly seen, more strategic, and unmistakably in demand, head to check out OMNI at www.omniqueens.com https://www.instagram.com/itscrissyconner/https://www.tiktok.com/@crissyconnerhttps://www.facebook.com/crissyconnerhttps://www.youtube.com/c/crissyconnerhttps://www.linkedin.com/in/crissyconner/

If your favorite social media platform disappeared tomorrow, how many people could still find you? Most entrepreneurs don't own their visibility, they rent it from algorithms they can't control. In this episode, Crissy Conner breaks down the "Visibility Diversification" strategy for 2026, shifting you from borrowed traffic to owned assets like email and searchable content that works while you sleep and don't lose the human connection.Unmuted https://thevisibleceo.com/unmutedGive Me 10 https://thevisibleceo.com/giveme10OMNI is my full visibility system built for CEOs who want to grow online without living on their phone. If you're ready to be truly seen, more strategic, and unmistakably in demand, head to check out OMNI at www.omniqueens.com https://www.instagram.com/itscrissyconner/https://www.tiktok.com/@crissyconnerhttps://www.facebook.com/crissyconnerhttps://www.youtube.com/c/crissyconnerhttps://www.linkedin.com/in/crissyconner/

Find me on Substack.Richard Oldfield, founder of Oldfield Partners and author of the investing classic Simple, but Not Easy, is a four-decade veteran of markets whose career arc from Warburg and Mercury Asset Management to running a family office gives him a rare dual vantage point as both portfolio manager and allocator of managers.The episode is sponsored by TenzingMEMO — the AI-powered market intelligence platform I use daily for smarter company analysis. Code BILLIONS gets you an extended trial + 10% off.https://www.tenzingmemo.com/3:00 — Richard shares his origin story: drew to markets at 15, first investment at 18 in Britannia Arrow at 6p. Core belief: “Value investors are born, not made.”5:00 — Warburg founding story: Sigmund Warburg fled Germany in 1934 and built an institution with a lasting ethos. Richard recalls a personal hour-long meeting with him.6:30 — The 1987 storm and Black Monday. Walking among fallen trees as the Dow dropped 500 points (25%), Richard saw it as a price movement, not reality — until he returned to the office and was “swallowed up in the gloom.” Lesson: avoid the cacophony.9:00 — Isaac Newton and the South Sea Bubble: “I can understand the movement of the planets, but not the madness of men.” Don't make wholesale asset allocation bets.13:00 — Family office decade: empowerment, privacy, and bravery. The patriarch's stamp: “Return to sender — you decide.” The freedom to be unconventional.19:30 — The book's central paradox: rudiments of equity investing are simple. Professionals obscure them with jargon and self-interest. But half will underperform by definition — fees and all.22:40 — Patience comes from Latin with three meanings: waiting, suffering, and passion. You need all three.28:30 — Track records mislead. Never judge a manager primarily by performance. The transaction record reveals conviction and patience. “My favorite holding period for a manager is forever.”38:30 — The 90% decline must be thought about. Establish your cushion of comfort upfront. Diversify globally.50:00 — Rip Van Winkle Asset Management: dead investors outperform living ones. Hyperactivity is the enemy; the average fund investor earns 3-4% vs. the fund's 8%.56:30 — Take your own medicine. 95% of Richard's assets are in his own funds. A manager who won't invest alongside clients is a red flag.1:04:30 — Success redefined: resume virtues vs. funeral virtues. “You want to have the feeling that they loved and were loved.”Podcast Program – Disclosure StatementBlue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm's employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Why Justin Dixon quit his high-paying job when the world was shutting down - and you should toFREE 90 Day Guide - https://cutt.ly/ptcQd1y2Get ahead of the 97% and read this episode's takeaway - https://tinyurl.com/dont-wait-invest-now***Connect with Justin - https://www.linkedin.com/in/jmdixon15/***WHO IS AXEL?  A business consultant. A real estate investor. A mentor. Avid Tesla fan & investor. AI in the Age of Abundance thought leader. His wife's gardener.

Gold is testing the $5,000 barrier — and the charts are flashing warning signs. Kerry Lutz and Jerry Robinson dive into gold and silver as markets test extreme levels. A rising 50-day moving average offers support, but long weekly wicks show momentum could be slowing. Will it break through, or pause first? Speculation around Kevin Warsh and shifting Fed expectations may be driving the pullback. If the hawkish premium fades, rates could ease — and gold reacts. Silver just went vertical — then crashed back. Volatility is insane. Yet the fundamentals remain rock-solid: industrial demand from solar and data centers is still building. The lesson is clear: don't panic. Diversify. Dollar-cost average. See spikes as opportunity, not fear. Strategy also matters. Substack is winning over WordPress for publishing, mailing, and monetization. Kerry shares early paid-subscriber traction, teases Living the Silverback Lifestyle, and outlines a new parking-enforcement book paired with litigation and a public campaign under the National Association of American Defrauded Parkers. Markets are wild. Policy is shifting. Psychology is stretched. Smart investors stay steady — and strike when others hesitate. Find Jerry here: https://followthemoney.com Find Kerry here :https://khlfsn.substack.com and here: https://inflation.cafe    Kerry's New Book "The Armstrong Economic Code: The 5 Truths Investors Must Never Forget" is out now on Amazon!  Get your copy here:   https://a.co/d/bvYbZOz  "The World According to Martin Armstrong – Conversations with the Master Forecaster" is a #1 Best Seller on Amazon. . Get your copy here: https://amzn.to/4kuC5p5  

This podcast breaks down "The 7 Deadly Patterns of Automation" that can lead to demonetization, even for high-value channels, by triggering AI pattern detection. We'll explore the latest youtube update and how to avoid demonetization by understanding new rules for engagement and youtube guidelines.Learn how to distinguish between allowed AI assistance and disallowed fully automated pipelines, and why youtube demonetizing channels means you must use AI as an assistant rather than an engine. Diversify your business beyond YouTube to avoid algorithmic risks and ensure your youtube monetization.RESOURCES & LINKS:Think Media's original video: Search "YouTube is demonetizing channels at scale" on YouTubeAI Launchpad community: https://launchreadyai.comIf this helped you, hit subscribe and drop a comment. I read every one of them!

Guest: Charles Burton. A mass shooting shocks British Columbia; tensions rise over the Gordie Howe Bridgeownership as Canada seeks to diversify trade away from the U.S. amid protectionist threats.1880 OTTAWA

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.Episode FAQsWhat 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.

A four man rush should not end a season. But it did in Super Bowl 60 when the Seattle Seahawks defeated the New England Patriots 29-13.In this full Patriots Super Bowl 60 recap, we break down how Seattle's defense overwhelmed Drake Maye, why the fourth-and-one punt changed the tone of the game, and how protection failures derailed New England's offense on the biggest stage in the NFL.This loss was not about one mistake. It was about offensive line breakdowns, missed hot reads, and a Patriots game plan that never adjusted to Seattle's disciplined zone coverage and relentless pass rush.Drake Maye Super Bowl AnalysisMaye faced constant pressure from a Seahawks front that consistently won with four. The Patriots struggled at left tackle, long developing pass concepts had no time to unfold, and early down inefficiency forced predictable passing situations.Seattle's defensive structure was simple and effective. Sit in zone. Rush with discipline. Tackle in space. The Seahawks controlled field position, dominated in the red zone, and forced the Patriots into uncomfortable third downs all night.On the other side, Seattle's offense did not need hero ball. They controlled tempo, avoided mistakes, and capitalized on short fields. Small advantages became decisive. Red zone execution. Field position. Third down efficiency.Why the Patriots Lost Super Bowl 60• Offensive line could not handle a four man rush• No consistent quick game to counter pressure• Limited early down success• Lack of explosive perimeter threats• Seattle won situational footballWhen protection collapses without blitz pressure, the margin for error disappears.Patriots Offseason Needs 2026If the Patriots are serious about building around Drake Maye, the priority is clear.Invest heavily in the offensive line. Secure a true left tackle. Consider moving Will Campbell inside if that maximizes his value. Add a mismatch tight end and a true outside receiver with size and burst.Veteran trench upgrades stabilize quickly. Dynamic pass catchers can come through the NFL Draft.Most importantly, the Patriots must build a pressure proof offensive identity. Screens. Quick game. Motion. Rhythm throws. Early down efficiency. The offense must dictate terms before elite defenses take control.Drake Maye's Future After Super Bowl 60One bad Super Bowl does not define a franchise quarterback. Maye beat top defenses to reach this stage. The Patriots exceeded expectations during what many called a transition year.The next step is structural. Protect the quarterback. Expand the playbook. Win situational football.The blueprint is clear. Protect. Diversify. Execute.We close by zooming out across the NFL landscape and pivoting into Celtics season as we continue covering Boston sports from every angle.If you are searching for Patriots Super Bowl 60 analysis, Drake Maye breakdowns, and real Patriots offseason strategy discussion, this episode delivers it.Subscribe for weekly Patriots coverage, NFL analysis, and Boston sports breakdowns. Share with a Patriots fan who needs a deeper look at what really happened in Super Bowl 60.What is your first offseason move for New England?Support the show-----------https://www.MTPshow.comOur Social Mediahttps://linktr.ee/MTPSHOW-----------Hosts: Mike Marcangelo, Dave Clarke, Rayshawn Buchanan, Bob KellyProducer: Craig D'AlessandroInquiries: Craig@mtpshow.com

Property has worked well for Andy so far. The question is whether it's still the best path forward. In this case study episode, Dave and Hayden sit down with listener Andy to unpack a real FIRE decision point.They walk through his full financial picture and explore whether continuing to leverage into property or shifting toward shares makes more sense for reaching long-term passive income.In this episode they cover:

Ever notice how easy it is to curate a friend group that looks and thinks just like you? We're flipping that script. I share how a single question about my guest list sparked a full rethink of community, why Jesus' meals are the model for modern friendship, and how widening the table reshaped my heart more than any book, retreat, or productivity hack ever could.We unpack the shift from distant charity to real proximity—the kind that invites the widow, the single parent, the awkward talker, and the person with fewer resources into our actual routines. I talk candidly about the social cost of diversity, the temptation to protect “the vibe,” and the moment I realized people aren't projects; they're image-bearers worthy of attention, not just an invite. Expect practical language for humility, how to treat triggers as teachers, and simple ways to calm your nervous system so you can stay present without fixing, rescuing, or controlling.If you've been waiting for the perfect life-stage match before investing in friendship, it might be idealism keeping you lonely. Boundaries still matter, but love asks for a bigger table—one that looks less curated and more like the kingdom. You'll leave with grounded questions to audit your circle, steps to invite difference into your week, and fresh courage to trade comfort for connection. Click here to Book a coaching with Jenna --------------------------------------------------------------------------------------

Sign up to Revolut Business at https://www.revolut.com/rb/james/ before 31st March 2026 and add money to your account to receive a £200 welcome bonus. Fees, Promotion terms and Business T&Cs apply.Take the Model Analsyer Quiz here: https://modelanalyser.scoreapp.comFind out more about Tim here: www.pookipresses.co.ukTry Entrepreneurs University 14 Day FREE Trial Here ►https://jamessinclair.net/entrepreneurs-university-free-trial/Sign up to my weekly newsletter 'The James Sinclair Letter' here:https://www.jamessinclair.net/the-letterFind out your Entreprenurial DNA, take the '8 Traits of the Greats' quiz here ► https://jamessinclair.scoreapp.comGet your tickets to our next event here ► https://www.jamessinclair.net/eventsApply to be on my podcast here ►https://jamessinclair.net/podcasts/

Get your copy of Gita Wirjawan's book, “What It Takes: Southeast Asia”, NOW: https://sgpp.me/what-it-takes-ytAnd leave your review here:https://www.goodreads.com/book/show/241922036-what-it-takes------------------Join Gita Wirjawan and Glenn Diesen in a conversation about world politics, democracy, and the future of Europe. More on this episode:00:00 - Intro02:00 - What is Eurasia06:23 - “When the world is multipolar, you diversify.”11:29 - Should Europe prioritize economic or security?16:46 - Public opinion-policymaking divorce20:23 - Good governance24:00 - The tragedy of great power politics29:33 - Ukraine resolution34:45 - Trump's strategic ambiguity45:00 - Genocide55:00 - The US is becoming a tribute economy57:00 - Paradox of Multipolarity1:11:15 - Global political1:19:41 - Redefining democracy1:31:50 - Future of the EU#Endgame #GitaWirjawan #GlennDiesen ----------------------------About the Guest:Glenn Diesen is a Norwegian professor and geopolitical analyst specializing in Russian foreign policy, Eurasian integration, and the shift toward a multipolar world order. A professor at the University of South-Eastern Norway, he is widely known for his critical perspective on Western hegemony and NATO expansion, often arguing that global power is tilting toward a "Greater Eurasia" framework. About the Host:Gita Wirjawan is an Indonesian entrepreneur and educator. He is the founding partner of Ikhlas Capital and the chairman of Ancora Group. Currently, he is teaching at Stanford as a visiting scholar with Stanford's Precourt Institute for Energy.___________________Episodes you might like:1. https://youtu.be/eRRMurnQnJU2. https://youtu.be/CXUgsJYpfvs3. https://youtu.be/_AbeVh1JRcg------------------Special thanks to our ‘Future Narrators' channel members:Mariko Yoshihara, Yemotto IBRAHIM, hobi kluyuran, Fajar Prasetyo, Dyah Firgiani, keetkaat, Excel-lent, Arie Gunardi, Yayi Trisnawati D, Teddy Chow, Wwertyssnb, Crispy_Cracker58, Priyanithi Dharsania Negara, Widi Aphrian, hndraable, hendro trihatmojo, Muhammad Taufik Evendi, QunÔºáan Syukrilah, azam adnani, Charles Andrew Tang, Ariyo Arinsa Putra, Reda Bellarbi, Jaz Simbolon, Muhammad Ismail Mubarak, Stefanus B. W., KATE WOLSKA, pixelcadet, Itje Chodidjah, Geralt Fajar Bukan, Jack Duan, Elmi CK Ong, Lucy March, Anggun Noventina, Irawan Purwono, Krishna Putra, Agnes Pranindita, Darso Arafa, nazaruddin nasir, 747sgw, benget yakub, Patricia S, ferra febrianti, De Guda Kessa, Gusko Adnyana, mjk939, Jerry Budiman, Mawan Darmawan, diah anggraini, Ainur Rofiq, Adrian Baskoro, Bambang Haryanto, Ezwan Zakaria, Marilyn C, Kianti Darusman, Revolution R, liza dewi, Joanna FKG, Susanto Uno, Taswin Munier, M Firaldi Akbar Zulkarnain, Super ‚ÄúBuupy Pub‚Äù Bondon, Ferdy Reza, Elnasdi Moda, Hendry Ahen, Aria Widyanto, Ilham R, Ayu Arman, Haju Ara Podcast, Flores Exotic Tours, Meilisva AA Taniel, nonik martyastuti, Niki S, Anita Amalia, hardianiati, Salwaluna Maryam, Dewi Risnawati, birgietta katherine, Derry Harnanda, Aleyandra Rizka Amalia, Ridwan Sakidja, Rita Sahara, Sanityas Prawatyani, Teddy Sutendi, erna girirachman, Alvin Rivaldi, Ronny Wijaya, Sam K Nugraha, Arif R3 Vibration, FBC Ponto, Stella sinaga, chandrawati Saragih, Kawal Jakarta, Elmi Dignity, Yufud Rahayun, Calvin Go, Freddy Wijaya, Toto Parminto, Bambang Made, Nova Rahayu Yusuf, Oktavianto Dwi Wicaksono, Muhi Futon, Sophia Alizsa, fsoenardi, Hadzunda Laga, ULFA, R K, Dina Siswa, Daniel Tagu Dedo, adam fadrian, muhammad afif, Okvina Juita, Yoggi Dinata, Nofliyana, NOVEDY HUSAINI, Kacamata Indra, Asyraf Mursalina, Cindy Permatasari, tanto thesman, Jarry Rinaldy, RACHMAD ARIFUDDIN AMKL, eka nurlita, Arief widyanto

This episode breaks down a key 2026 initiative: when and how to diversify your media mix, grounded in real operator decision-making rather than theory. The conversation uses HexClad's approach as a case study, exploring the data signals that indicate it's time to expand channels, how teams test incrementality, and how operators manage rising measurement complexity - especially when scaling internationally.Along the way, the team explains how the “Rocks” system supports this kind of decision-making, from setting clear priorities and aligning teams to establishing cadence and ownership. They also unpack how KPIs are chosen at different stages, how retention-focused Rocks anchor growth efforts, and how insights from Japanese market data inform smarter media mix expansion.If you have a question for the MOperators Hotline, click the link to be in with a chance of it being discussed on the show: https://forms.gle/1W7nKoNK5Zakm1Xv6Chapters:00:00:00 - Introduction00:03:27 - Hexclad's 2026 Rocks00:23:08 - Signals for Channel Expansion00:32:23 - Expansion Playbook & Strategy00:43:17 - New US Channels00:55:59 - Sequencing & ComplexityPowered by:Motion.⁠⁠⁠https://motionapp.com/pricing?utm_source=marketing-operators-podcast&utm_medium=paidsponsor&utm_campaign=march-2024-ad-reads⁠⁠⁠https://motionapp.com/creative-trendsRivo.https://www.rivo.io/operatorsPrescient AI.⁠⁠⁠https://www.prescientai.com/operatorsRichpanel.⁠⁠⁠https://www.richpanel.com/?utm_source=MO&utm_medium=podcast&utm_campaign=ytdescAftersell.https://www.aftersell.com/operatorsSubscribe to the 9 Operators Podcast here:https://www.youtube.com/@Operators9Subscribe to the Finance Operators Podcast here:https://www.youtube.com/@FinanceOperatorsFOPSSign up to the 9 Operators newsletter here:https://9operators.com/

Kieran Osborne covers what we learned from this week's tariff-induced volatility. He thinks the volatility could continue and urges investors to focus on the long term. He thinks it could be time to take some winners off the table to reap gains and then diversify. Direct lending and private real estate, along with international markets, are top of mind. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

Margie Newman Tsay is the Founder & CEO of Intesa Communications Group, a strategic communications firm specializing in reputation management, executive coaching, and crisis response. A seasoned communicator and entrepreneur, Margie draws on her background in media relations, advocacy, and leadership to help high‑profile professionals and organizations build trust, align their message, and navigate change.Her work is guided by a deep belief in authenticity, clarity, and purpose‑driven communication. Based in San Diego but rooted in Nashville, Margie serves as a champion for leaders who want to elevate their impact and build cultures anchored in connection, integrity, and clarity.SHOW SUMMARYIn this episode of Selling from the Heart Podcast. Larry Levine and Darrell Amy are joined by Margie Newman Tsay, founder of Intesa Communications Group, who shares her expertise in strategic communications, reputation management, executive coaching, and crisis response. Margie emphasizes the need for clarity, brevity, and effective communication during crises and how these skills are essential for building trust and credibility. She also highlights the role of continuous learning and vulnerability in becoming a successful communicator, regardless of age or gender. The episode underscores the overlooked necessity of crisis communication training in the sales profession and offers actionable insights for sales leaders and professionals.KEY TAKEAWAYSCommunication requires repetition - Say things 10-11 times before people truly retain them; don't assume once is enough Make the customer the hero - Focus on their goals and needs, not your product or yourself Reputation is built daily - Trust and authenticity come from how you show up every single day, not just when making a sale Surprises are for birthdays - Over-communicate to avoid catching people off guard in business relationships Crisis communication essentials - Focus on brevity, roles, and goals; reduce oxygen to the flame rather than escalating Diversify your network - Learn from people across different ages, genders, and industries to expand your communication toolkit Humans first in crisis - Remember everyone defaults to fear and ego under pressure; sometimes people just need to be heardQUOTES"Selling from the heart means remembering that it's not about you. Make the customer the hero." "Surprises are for birthdays. You gotta communicate, communicate, communicate in four different ways to make sure people get it." "Leadership is context. When we stop communicating and giving that context, trust erodes." "No one is born a great communicator. This is a learned skill. You can start today being a great communicator." "In a crisis, our brains are ego and overwhelm. We immediately need to know what is going on, how do we solve for it, and what's my job." "What's the closest gator to your boat? You take 'em one gator at a time." (on prioritizing in crisis) "Everyone is a human first. Ego and fear don't bring out the best in any person, and that is what you're dealing with in a crisis."Learn more about Margie Newman Tsay.LinkedIn: https://www.linkedin.com/in/margienewmantsay/Learn more about Darrell and Larry.Darrell's LinkedIn: https://www.linkedin.com/in/darrellamy/Larry's LinkedIn: https://www.linkedin.com/in/larrylevine1992/Website: https://www.sellingfromtheheart.net/ADDITIONAL RESOURCESDiscover Heart-Centered Leadership:Explore the Culture from the Heart Podcast and uncover the secrets to thriving workplace cultures. Know a visionary CEO? Nominate them today at

Patrick Mueller suggests the market is fragile. Mueller emphasizes the importance of diversification beyond tech giants like Nvidia (NVDA), Advanced Micro Devices (AMD), Alphabet (GOOGL), and Microsoft (MSFT), recommending value companies, energy, utilities, and precious metals. He also discusses the potential for a resurgence in financials, citing companies like JPMorgan Chase & Co. (JPM).======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

This is an important episode. Here, Roger and Pete dive deep into one of the most important subjects for anyone looking to improve their finances to understand - RISK. It's misunderstood and it's misrepresented, but risk can be your friend if you treat it right. Shownotes: https://meaningfulmoney.tv/session604  Get the PDF emailed to you - Risk Lens Guide: https://meaningfulmoney.tv/risklens    02:18 Everything you need to KNOW 04:17 - Market & investment risks (the ones everyone worries about) 08:37 - Inflation & purchasing power risk (the silent wealth killer) 13:35 - Behavioural risk (where most damage is actually done) 18:31 - Planning risks – when the structure is wrong 23:31 - Life risks that derail even the best plans 26:06 - The risk nobody talks about: building the wrong life 29:35 Everything you need to DO 29:42 - Get clear what the money is for 32:28 - Match risk to time, not emotion 33:43 - Build shock absorbers before chasing returns 35:56 - Diversify like you mean it 38:03 - Design for behaviour, not brilliance 40:27 - Protect the foundations 42:32 - Review — don't react 44:49 - Spend intentionally — now and later 47:25 The Meaningful Money Risk Lens 51:15 Summary 52:42 This week's reviews  

Key Topics Covered:  1. Starting Point: Mindset and MotivationTom's journey was sparked by personal catalysts: his mother's passing and a desire to be present for his young daughters.The importance of defining your “why” and setting clear financial milestones.Facing the reality of relying solely on a job for income—and using that as motivation for change.2. Laying the Foundations and Building PillarsTom and his wife began by securing wills, powers of attorney, and reviewing their finances to ensure a solid foundation (“the roof”).They chose property as their initial wealth-building pillar, focusing on buy-to-let for simplicity and sustainability.The process took time—over 12–18 months for their first deal—but commitment and clarity paid off.3. Momentum and the Power of RepetitionThe first property was the hardest, but each subsequent deal became easier as confidence and experience grew.Tom now owns 15 properties, primarily in the Bristol area, and has diversified into investments and other wealth pillars.Monthly recurring income from assets reached £6,000+, providing true freedom of choice.4. The Role of Coaching and CommunityTom credits his WealthBuilders coaches (especially Ian Halfpenny) for challenging his assumptions, providing guidance, and keeping him accountable.Support from family, coaches, and the WealthBuilders community was crucial—especially during setbacks like the pandemic.Taking massive action, even when uncomfortable, was key to overcoming obstacles and building momentum.5. Looking Ahead: Diversification and Giving BackWith financial independence achieved, Tom is now exploring more advanced property projects and investment strategies.He's passionate about sharing his experience and encouraging others to take consistent action—one step every month. Actionable Takeaways:Commit to the process and focus on one strategy until you gain traction.Secure your financial “roof” (wills, powers of attorney, expense review) before building assets.Don't underestimate the value of coaching, community, and accountability.Take one small action every month—compound progress leads to big results.Diversify your income streams once you've built a secure base.Don't DIY your wealth journey—get support and don't give up when it gets tough. Resources & Next Steps:Book a Financial GPS Call for a personal financial strategy session.WealthBuilders Membership: Free access to guides, webinars, and communityDownload our FREE Pensions and Inheritance Tax GuideConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

What if your retirement plan could weather any market storm without the guesswork? This episode dives into the realities of market ups and downs, why true diversification goes beyond just stocks and bonds, and how a well-crafted financial plan can protect your income and minimize taxes, no matter what the headlines say. Whether you’re worried about interest rates, inflation, or outliving your savings, this conversation offers practical insights for building a resilient retirement. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

This week we're kicking things off with one of the big company stories of early 2026 – for a number of reasons. It was a busy December for BP (BP.), which junked its chief executive and made progress with some divestment plans. Alex Hamer and Mark Robinson are here to discuss what the imminent arrival of new boss Meg O'Neill might mean for the group and its strategy, all in the context of a dramatic start to the year in which the US has seized control of oil supplies from one of the founding members of Opec.We will also touch on the wider commodities outlook for the year, before moving on to asset allocation in general – our big read this week is all about diversification, why it matters even if you have a high risk tolerance and high risk appetite. Val Cipriani will talk us through the ins and outs later on.To wrap up, we look at the UK company that, it turns out, has been the subject of 11 bids over the past four months. That's struggling online platform Auction Technology (ATG), whose shares rebounded this week as news broke. Valeria Martinez will discuss what's next for the business.Timestamps:0:49: BP's new CEO19:3: Diversification strategies31:05: Auction TechnologyRead the articles highlighted in the show:The complete guide to diversifying your portfolioBP announces surprise CEO changeBP heads further upstream after Castrol saleInvestors' Chronicle has supported private investors in the UK for over 160 years by highlighting rewarding investment opportunities. Investors' Chronicle is a service by the Financial Times. Hosted on Acast. See acast.com/privacy for more information.

Welcome back to The Cashflow Project! In this episode, we're joined by Patrick Grimes—founder of Passive Investing Mastery, Amazon bestselling author, and Forbes Council contributor. Patrick shares his journey from robotics engineering to building a highly diversified portfolio across real estate, energy, litigation finance, commercial lending, and other alternative investments. Patrick explains why true diversification goes beyond stocks and real estate, and how sophisticated investors reduce risk through non-correlated assets in industries like medical and legal services. He breaks down his process-driven investment philosophy and highlights lesser-known opportunities most investors overlook. Whether you're a high-earning professional, W2 employee, or investor looking to future-proof your wealth, this episode offers practical insights into alternative investing and building resilience in any market cycle. Tune in to learn how to grow and protect your wealth—even during economic uncertainty. [00:00] "From Tech to Real Estate" [04:24] "From Lockdown to Lanikai" [08:08] "True Non-Correlated Alternatives Explained" [12:13] "Investing Education and Accessibility" [13:29] "Exploring Alternative Investment Opportunities" [16:03] Legal Funding: Risk and Reward [22:09] "Overcoming Analysis Paralysis" [23:00] "Cross-Functional Team Collaboration" [27:44] "Sharing Insights Through Education" [29:27] "Legacy, Time, and Fire Round" [33:54] "Lessons in Balance and Diversification" [37:07] "New Medical & Investing Opportunities" [39:55] "Join, Connect, Like & Share" Connect with Patrick Grimes! Website LinkedIn Books Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram

Let's get something straight right out of the gate:2026 is not a “soft launch”.It's a fuck around and find out year.And my favorite astro bestie Torrence Tremayne gives a very specific and direct break down of everything you need to know.After half a decade of grief, dissociation, therapy-speak, spiritual bypassing, and late-stage capitalism catastrophes, the astrology of 2026 signals something potent:

This episode originally aired November 15, 2023 Creating an authentic brand around your business can have a big impact on the growth of your firm. Don't be afraid to step out of your comfort zone. As a Miami native, attorney Amanda Demanda stands up to big insurance companies and businesses in pursuit of justice. She focuses her practice specifically on representing people injured due to the negligence or unsafe practices of others. Amanda firmly believes that products, places, and health care are made safer through lawsuits that shed light upon unsafe products and practices. On this week's episode, Maria sits down with Amanda to discuss creating a stand-out brand, not being afraid to break norms, diversifying marketing, and working with the Spanish and elder communities. Key Takeaways Your professional brand doesn't have to be your personal brand. Everyone associates Amanda Demanda with her pink brand, but it's not her favorite color. She picked a color she knew would stand out in the space. What works for your brand will be different than what works for you personally. Do some market research before making a decision. Diversify your marketing efforts. Don't just focus on one form of advertising. There are many forms of both digital and print marketing. Amanda's Instagram was deleted through no fault of her own. If that had been her only platform, she would have been in a lot of trouble. Don't fall into that trap. Know your demographics. Amanda Demanda knows how to cater to her large Spanish and elder community followings. Figure out your target audience and know how to best reach and represent them. To connect with Amanda, follow her on Instagram @amandademandalaw Other episodes you might enjoy: 3. Chad Dudley - Lead With Passion: Build On Strength 5. Gary Sarner - Trust and Exposure: The Secret Promise of Media Campaigns 11. Amanda Baggett - Outshine the Competition: Authentic Branding and Wise Spending Previous Guests: James (TopDog) Helm, Gary Dordick, Joe Volta, Michael Mogill, Jay Vaughn, Bob Simon, Mark Anderson, Chad Dudley, Raymond Mieszaniec, David Bayer, Kurt Zaner, Joe Fried, Sean Claggett, Justin Watkins, Mauro Fiore, Mark Bratt, Glen Lerner, Rick Ferri, Dan Ambrose, Teresa Diep, Taly Goody, Sahm Manouchehri, Bibi Fell, Kenny Habetz, Jennifer Gore-Cuthbert, Ali Awad, Chava Mercado, Amanda Baggett, Muhammad Ramadan, Lena Haviland, Gary Sarner, and more. 00:00 Intro 01:22 Amanda's TV studio 01:54 About Amanda's name 02:40 Amanda's law firm origin 05:05 Building a brand 23:48 Dealing with fame 28:46 Social media 30:56 Company growth 33:03 Diversifying marketing 40:36 Targeting the hispanic community 42:38 Customer experience 49:04 Outro #law #lawfirm #lawyer #legal #growth #success #branding #brandawareness #pink #hispanic #spanish #advertising #marketing

This episode originally aired November 15, 2023 Creating an authentic brand around your business can have a big impact on the growth of your firm. Don't be afraid to step out of your comfort zone. As a Miami native, attorney Amanda Demanda stands up to big insurance companies and businesses in pursuit of justice. She focuses her practice specifically on representing people injured due to the negligence or unsafe practices of others. Amanda firmly believes that products, places, and health care are made safer through lawsuits that shed light upon unsafe products and practices. On this week's episode, Maria sits down with Amanda to discuss creating a stand-out brand, not being afraid to break norms, diversifying marketing, and working with the Spanish and elder communities. Key Takeaways Your professional brand doesn't have to be your personal brand. Everyone associates Amanda Demanda with her pink brand, but it's not her favorite color. She picked a color she knew would stand out in the space. What works for your brand will be different than what works for you personally. Do some market research before making a decision. Diversify your marketing efforts. Don't just focus on one form of advertising. There are many forms of both digital and print marketing. Amanda's Instagram was deleted through no fault of her own. If that had been her only platform, she would have been in a lot of trouble. Don't fall into that trap. Know your demographics. Amanda Demanda knows how to cater to her large Spanish and elder community followings. Figure out your target audience and know how to best reach and represent them. To connect with Amanda, follow her on Instagram @amandademandalaw Other episodes you might enjoy: 3. Chad Dudley - Lead With Passion: Build On Strength 5. Gary Sarner - Trust and Exposure: The Secret Promise of Media Campaigns 11. Amanda Baggett - Outshine the Competition: Authentic Branding and Wise Spending Previous Guests: James (TopDog) Helm, Gary Dordick, Joe Volta, Michael Mogill, Jay Vaughn, Bob Simon, Mark Anderson, Chad Dudley, Raymond Mieszaniec, David Bayer, Kurt Zaner, Joe Fried, Sean Claggett, Justin Watkins, Mauro Fiore, Mark Bratt, Glen Lerner, Rick Ferri, Dan Ambrose, Teresa Diep, Taly Goody, Sahm Manouchehri, Bibi Fell, Kenny Habetz, Jennifer Gore-Cuthbert, Ali Awad, Chava Mercado, Amanda Baggett, Muhammad Ramadan, Lena Haviland, Gary Sarner, and more. 00:00 Intro 01:22 Amanda's TV studio 01:54 About Amanda's name 02:40 Amanda's law firm origin 05:05 Building a brand 23:48 Dealing with fame 28:46 Social media 30:56 Company growth 33:03 Diversifying marketing 40:36 Targeting the hispanic community 42:38 Customer experience 49:04 Outro #law #lawfirm #lawyer #legal #growth #success #branding #brandawareness #pink #hispanic #spanish #advertising #marketing

Diversify food strategies, not just portfolios. Solutions like the Green Revolution and widespread monoculture farming boosted food supply but created long-term ecological and social vulnerabilities. We link population ideas from Franklin and Malthus to modern pressures—climate change, resource scarcity, migration—and warns these risks could cause solvency issues for insurers. Max discusses solutions for the agriculture sector as well as for insurers. You might consider adding this to your emerging risks list.  

Most goal-setting focuses on one or two areas of life — usually work and maybe health — and then we wonder why things feel off balance by February.In this first episode of 2026, we're sharing the framework we teach every year in our business programs, but one that applies just as much if you work for someone else:Diversify your goal-setting portfolio.Before you set career or business goals, we walk through other areas that matter just as much — and often get overlooked:RelationshipsFun and enjoymentPersonal financesHealth and wellnessCareer or businessWe share real examples from our own lives — what we're prioritizing, what we're not prioritizing, and why sustainable goals matter more than aggressive ones that collapse by mid-January.This episode is about creating goals that actually support the life you want — not just another list of things to chase.About UsNicole and Jesse Cozean founded Pelvic PT Rising to provide clinical and business resources to physical therapists to change the way we treat pelvic health.   PelvicSanity Physical Therapy (www.pelvicsanity.com) together in 2016.  It grew quickly into one of the largest cash-based physical therapy practices in the country.Through Pelvic PT Rising, Nicole has created clinical courses (www.pelvicptrising.com/clinical) to help pelvic health providers gain confidence in their skills and provide frameworks to get better patient outcomes.  Together, Jesse and Nicole have helped 800+ pelvic practices start and grow through the Pelvic PT Rising Business Programs (www.pelvicptrising.com/business) to build a practice that works for them! Get in Touch!Learn more at www.pelvicptrising.com, follow Nicole @nicolecozeandpt (www.instagram.com/nicolecozeandpt) or reach out via email (nicole@pelvicsanity.com).Check out our Clinical Courses, Business Resources and learn more about us at Pelvic PT Rising...Let's Continue to Rise!

Andrew Darlow's BIO:  Andrew Darlow is a New Jersey–based photographer, inventor, and author who's spent 20+ years at the intersection of imaging, printing, and digital backup. He got his start in the high school darkroom, studied business at The College of New Jersey, and lived/studied in Japan and Heidelberg, Germany. Early in his career he helped build a New York photo studio serving clients like The Body Shop, Rolex, and McDonald's, which fueled his passion for fine-art printing. Andrew now splits his time between selling his artwork and directing remote pet-portrait sessions over Zoom/FaceTime. He hosts the Imaging Buffet podcast, runs a workshop/podcast around his Backup Blueprint system, and has authored four books—including a 500-page guide to better inkjet prints and a dog-photography coffee-table book. He also offers the ebook "Don't Lose What's Important," a practical guide to implementing his Backup Blueprint. Andrew has two daughters, a grandson, and two dogs, and he's a committed advocate for preserving memories through smart backups.   In this episode, Virginia and Andrew talked about: How Andrew fell in love with photography Andrew's professional journey The importance of a backup strategy The power of online networking   Takeaways: Relationships are like backups. Protect them before you need them  Your creative gift opens the door but relationships keep it open Diversify your network like you diversify your data Collaboration beats competition every time Say yes to opportunities that align with your purpose   Connect with Andrew on his LinkedIn account to learn more about his work and insights into networking effectively: LinkedIn URL: https://www.linkedin.com/in/adarlow/    Connect with Virginia: https://www.bbrpodcast.com/

Welcome to another episode of the Fenceline Podcast! In this episode, host Bob Quinn sits down with Jackson Kimle, owner and founder of Midland Seafood, to discuss the growing shrimp industry in Iowa. Jackson, along with Ken Reed, shares insights on how shrimp farming works and the unique opportunities it offers for farmers looking to diversify their operations.Learn more: 

In this conversation, Flint Jamison discusses his journey from aerospace engineering to real estate investment, highlighting the challenges and opportunities in the market. He emphasizes the importance of building relationships with investors and adapting to changing economic conditions. Flint shares insights on investment strategies, particularly in medical office buildings, and the significance of taking action rather than succumbing to analysis paralysis.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

How is it possible to spend 80 hours a week learning Chinese? And what can you learn from that, even if you're busy juggling work, family and other commitments?#learnchinese #immersion #busylifeLink to article on Hacking Chinese: Diversify how you study Chinese to learn more: https://www.hackingchinese.com/diversified-learning-is-smart-learning/Learning Chinese in the shower with me: https://www.hackingchinese.com/learning-chinese-in-the-shower-with-me/Learning Chinese through comprehensible input: https://www.hackingchinese.com/learning-chinese-comprehensible-input/Three factors that decide how much Chinese you learn: https://www.hackingchinese.com/three-factors-decide-much-chinese-learn/Time quality: Studying the right thing at the right time: https://www.hackingchinese.com/time-quality-and-studying-chinese/The time barrel: How to find more time to study Chinese: https://www.hackingchinese.com/the-time-barrel-you-have-more-time-than-you-think/The forking path: A human approach to learning Chinese: https://www.hackingchinese.com/the-forking-path-a-human-approach-to-learning-chinese/The 10 best free Chinese listening resources for beginner, intermediate and advanced learners: https://www.hackingchinese.com/the-10-best-free-chinese-listening-resources-for-beginner-intermediate-and-advanced-learners/Free and easy audio flashcards for Chinese dictation practice with Anki: https://www.hackingchinese.com/free-and-easy-audio-flashcards-for-chinese-dictation-practice-with-anki/Using memory aids and mnemonics to make Chinese easier: https://www.hackingchinese.com/memory-aids-and-mnemonics-to-enhance-learning/Immersion at home or: Why you don't have to go abroad to learn Chinese: https://www.hackingchinese.com/immersion-at-home-or-why-you-dont-have-to-go-abroad/The new paperless revolution in Chinese reading: https://www.hackingchinese.com/the-new-paperless-revolution-in-chinese-reading/More information and inspiration about learning and teaching Chinese can be found at https://www.hackingchinese.comMusic: "Traxis 1 ~ F. Benjamin" by Traxis, 2020 - Licensed under Creative Commons Attribution (3.0)

In this last episode of 2025, Fernando, Pierce, Baafi and Josh dive into their biggest financial lessons and highlights from 2025. Tune in and learn about essential ideas that will help you have big financial wins in 2026, including: building a life around meaningful work through financial freedom, the power of delayed gratification, how to balance portfolio wins and losses, and why grit and discipline may be your most valuable long-term investments.Timestamps0:00 Intro1:13 Market Hustle 2025 wrapped2:48 Check-in with co-hosts6:20 Nobody knows anything, just invest for the long term11:01 Stay consistent with your investing values11:59 Your answer to delayed gratification needs to be “yes”16:52 Small decisions lead to big wins18:24 The heavy swings in the market in 202524:19 Investing for the long term29:26 Investing beliefs around crypto & bitcoin34:39 Self-reflection to actually enjoy the fruits of your financial labor39:25 Breaking generational money patterns47:40 Diversify the profits53:55 Rebalancing losses and diversifying55:52 Grit is essential to do well in life57:23 Knowing when enough is enough1:02:13 Being able to work on whatever you want1:04:41 Celebrate the small wins & play your own game1:12:33 Thank you message from The Market HustleWhat did you think of the episode? Let us know!Support the show

GovClose Certification Overview: https://www.govclose.com/govclose-certification-programThe "Jab Jab Right Hook" Strategy for Government Contracting SuccessStop chasing contracts with proposals. Start building relationships that WIN contracts. In this coaching call, I break down how relationship-based selling works in government contracting using Gary Vaynerchuk's "Jab, Jab, Right Hook" framework.Most contractors think they need to write better proposals. Wrong. The most successful government contractors I know rarely write competitive proposals—they win through relationships. Here's how to apply the Jab-Jab-Right Hook method to build genuine connections with contracting officers and decision-makers.**Who This Is For:**→ Government contractors tired of losing competitive bids→ Small businesses building their first relationships with agencies→ Consultants helping clients navigate federal sales→ Anyone pursuing DOD, DOE, DHS, or civilian agency contracts→ Companies with existing contracts looking to expand within an agency**CHAPTERS:**00:00 - Introduction: Why Relationships Beat Proposals00:45 - Always Take the Networking Call (Real Story)01:15 - Negotiating Between Big Companies & Egos02:00 - The Lawyer Problem: CYA vs. Making Deals Happen03:15 - Community Support & Learning from Each Other04:30 - Teaming Agreement Templates (Use & Reuse)04:45 - Product vs. Problem: Focus on THEIR Need07:00 - Market Intelligence Tools: Who Needs What14:30 - Using GovWin IQ to Track Pipeline & History18:15 - Subcontracting Strategy: Stay Focused or Diversify?21:00 - Timeline Expectations: 12 Months Is Normal22:00 - On-Site Networking: Fort Bragg Example22:30 - The Jab-Jab-Right Hook Method Explained23:00 - Every 3rd or 4th Time: When to Ask for Business23:15 - Why COs Want to Help Good Companies**Key Timestamps:**• 00:45 - How one networking call turned into a job offer• 02:30 - Why lawyers' CYA mentality kills deals• 05:15 - "Be passionate about your client's problem, not your product"• 06:00 - You're setting yourself up for failure if you don't match requirements• 22:30 - "Every single sale was never writing a proposal again"• 22:45 - "I would go there with engineers and fix it, wouldn't charge them"• 23:00 - "Every fourth or fifth time I'd ask for more business"• 23:15 - "I wanted to help companies that were honestly trying to do good work"**Related Videos You Should Watch:**• How to Use GovWin IQ for Pipeline Building• DOE National Labs Contracting Strategy• When to Give Up on an Agency (And Move On)• Teaming Agreements: How to Negotiate Between Big PlayersNeed a consultant? Connect with Jonathan Haines from this video. https://www.linkedin.com/in/jonathanbhaynes/**Disclaimer:** This content is for educational purposes. While I draw on my experience as a former USAF acquisitions officer, all advice should be adapted to your specific situation and reviewed with your legal/compliance team as appropriate.**Connect with me:**

Want more money? Stop chasing it—and start structuring it smarter.

One talk with Dr. Fred Kency, and you will appreciate not only a strong work ethic, but also ingenuity and a passion for all aspects of the field of medicine. Join EMRA*Cast host Dr. D'Monte "TP" Farley for a stimulating conversation on ways to stay inspired and motivated in your career.  Publisher's note: This conversation was recorded at the ACEP Leadership and Advocacy Conference 2025, where emergency medicine visits Capitol Hill en masse to advocate for patients and practitioners. The EMRA Representative Council will hold its Spring Representative Council meeting in conjunction with LAC in April 2026.

If you're a small business tired of losing to the same primes, submitting proposals into a black hole, or waiting for 8(a) magic that never arrives—this episode is your wake-up call. Eric sits down with four real former federal contracting officers who awarded contracts for AI weapon systems, billion-dollar construction, and tech transformation programs—and they openly share what agencies really look for, why small businesses get ignored, and the strategies that actually work when government spending spikes again. From how they're stalking your LinkedIn before reading your email, to why capability beats certification, to the power of relationships, partnerships, and diversifying into state/local/commercial pipelines—this conversation unlocks the playbook that will separate the 3% of winners from the 97% about to get shut out. Key Takeaways Certifications ≠ contracts—relationships, capability & visibility win. Know your customer deeply: agency needs, expiring contracts & program managers. Diversify now—state/local/commercial work keeps you alive when federal slows. Learn more: https://federalhelpcenter.com/ https://govcongiants.org/  Join the bootcamp: https://govcongiants.org/bootcamp  Watch the full Youtube episode here: https://youtu.be/KIeyIRLL2sI 

In this episode of the Healthy, Wealthy, and Smart podcast, host Dr. Karen Litzy welcomes Dr. Eva Norman, a seasoned physical therapist with over 25 years of experience. Dr. Norman shares her journey of establishing a unique physical therapy model that operates outside the traditional insurance framework. She discusses the inception of her business, Live Your Life, which provides personalized, in-home therapy services tailored to individual needs. The conversation delves into the challenges and successes of running a cash-based practice, the importance of listening to clients, and the innovative approaches Dr. Norman has implemented to transform patient care.   Takeaways Dr. Eva Norman's practice focuses on personalized, in-home therapy services. The business model operates outside traditional insurance frameworks. Listening to clients' needs is crucial for business growth and patient satisfaction. Dr. Norman's practice offers a wide range of services, including physical, occupational, and speech therapy. The practice has expanded to include acupuncture, massage, and dietitian services. Partnerships with local agencies enhance service delivery and patient care. Telehealth services have been integrated to reach underserved areas. The practice emphasizes the importance of a holistic approach to patient care. Dr. Norman's innovative model has led to numerous patient success stories. The conversation highlights the value of diversifying services in a cash-based practice.   Chapters 00:00:00 Introduction and Guest Welcome 00:00:00 Dr. Eva Norman's Background 00:00:00 Inception of Live Your Life 00:00:00 Challenges and Successes 00:00:00 Innovative Therapy Approaches 00:00:00 Expanding Services and Partnerships 00:00:01 Telehealth and Holistic Care 00:00:01 Patient Success Stories 00:00:01 Advice for Aspiring Therapists 00:00:01 Conclusion and Contact Information   More About Dr. Norman: Dr. Eva Norman has been practicing physical therapy for more than 25 years. Her passion and commitment continue to be to bring the benefits of physical therapy to the residents of her community and to those in need of it in the surrounding counties. She received her B.S. and M.S. degrees in Physical Therapy in 1996 and her Doctor of Physical Therapy degree in 2009, from Thomas Jefferson University in Philadelphia, PA. Through the years, Dr. Norman has practiced in different practice settings with patients of all ages with various diagnoses. Early on in her career she developed a strong interest in geriatric rehabilitation. To expand her skill set over the years she has taken numerous continuing education courses and also worked in the areas of neurology, orthopedics and cardiopulmonary rehabilitation. In April 2013, she became a Certified Exercise Expert for the Aging Adult. Dr. Norman is currently licensed in Minnesota and Florida. She is an active member of the American Physical Therapy Association (APTA) since 1994. Currently, he is the APTA Federal Affairs Liaison for Florida and PT PAC Ambassador for Florida. Dr. Norman also serves on the Board of Trustees for the Foundation for Physical Therapy Research. In September of 2009, Eva founded Live Your Life Physical Therapy, LLC in response to her passionate desire to offer to her clients, patients, and the public, services (both in home and the community) that could help them to experience health, wellness, and a more active lifestyle throughout their life spans, through the creative applications of preventative and rehabilitative physical therapy.   Resources from this Episode: Live Your Life PT Live Your Life on Instagram Dr. Norman on LinkedIn Live Your Life on Facebook   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

Good news: economic downturns don't have to mean disaster for your studio. In fact, with the right messaging and moves, you can turn uncertainty into opportunity. In Episode 693: Your Economy-Proof Plan, Part 2, Coach Matt Hanton and I tackle growth strategies that can position your studio to excel while everyone else is playing defense.  Reframe the message: emphasize value—fitness is an investment, not a luxury Tout value: compare your offer to pricier experiences like dinner and concerts Hit the 5 kinds of wealth: exercise feeds the mind, body, wallet, time and relationships Be greedy for growth: look for acquisition, talent and market share opportunities Diversify your stool: add new revenue legs, like retail or events, to steady your base Economic slumps don't have to mean shrinking ambitions. Trade fear for faith and take a proactive approach to come out ahead of the curve. Episode 693 lays out your roadmap. Catch you there,   Lise   PS: Join 2,000+ studio owners who've decided to take control of their studio business and build their freedom empire. Subscribe HERE and join the party! www.studiogrow.co www.linkedin.com/company/studio-growco/  

Thanks to our Partners, NAPA Auto Care and NAPA TRACS Recorded Live at ASTA 2025, we explore the rise of the automotive specialist and why the industry needs a language shift—calling instructors “educators” instead of “trainers” to reflect the complex, continuing education modern technicians require. We also dive into the mobile diagnostics and repair market, discussing strategies for growth, high-complexity work, and the investments needed to compete. Looking ahead, the industry faces a technological turning point by 2030, with new vehicle architectures and ADAS calibration requirements threatening shops that fail to keep up. The episode closes by emphasizing the power of networking, connecting with peers, and staying ahead in a rapidly evolving industry. https://astausa.org/pages/asta-expo Rich Falco, Diag on Demand, Instructor at Carquest Technical Institute. Listen to Rich's previous episodes HERE Keith Perkins, L1 Automotive Training, Listen to Keith's previous episode HERE. Thanks to our Partners, NAPA Auto Care and NAPA TRACS Learn more about NAPA Auto Care and the benefits of being part of the NAPA family by visiting https://www.napaonline.com/en/auto-care NAPA TRACS will move your shop into the SMS fast lane with onsite training and six days a week of support and local representation. Find NAPA TRACS on the Web at http://napatracs.com/ Connect with the Podcast: - Follow on Facebook: https://www.facebook.com/RemarkableResultsRadioPodcast/ - Join Our Virtual Toastmasters Club: https://remarkableresults.biz/toastmasters - Join Our Private Facebook Community: https://www.facebook.com/groups/1734687266778976 - Subscribe on YouTube: https://www.youtube.com/carmcapriotto - Follow on LinkedIn: https://www.linkedin.com/in/carmcapriotto/ - Follow on Instagram: https://www.instagram.com/remarkableresultsradiopodcast/ - Follow on Twitter: https://twitter.com/RResultsBiz - Visit the Website: https://remarkableresults.biz/ - Join our Insider List: https://remarkableresults.biz/insider - All books mentioned on our podcasts: https://remarkableresults.biz/books - Our Classroom page for personal or team learning:

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SHOW NOTES:In this insightful episode, Matt Zaun talks with Marcy Sagel, CEO & Principal of MSA Interiors, a Baltimore-based commercial interior design firm with over 30 years of experience designing multifamily, student housing, senior living, hospitals, and more.They unpack how Marcy built a downturn-proof business by diversifying revenue streams, locking in budgets early, and adapting her leadership through crisis...including the sudden loss of her hearing during COVID.Marcy shares how the pain of the 2008 recession reshaped her entire approach to business, what today's developers need most amid rising costs, and how confidence and grit develop across decades of entrepreneurship.In this episode, they cover:✅ Surviving 2008–2011 — how Marcy went three years without paying herself, kept her entire team employed, and rebuilt her firm through diversification.✅ Leading through adversity — Marcy's story of losing her hearing during COVID and the practical ways she adapted as a business leader.✅ Team longevity & culture — why she invests heavily in great people, profit-sharing, and happiness, and lets go of misaligned hires faster.✅ Confidence for women in leadership — advice for young women learning to find their voice in male-dominated industries: “Speak early, speak often, and get reps through public speaking.”…and much more!BIOS:Marcy Sagel is the CEO & Principal of MSA Interiors, a commercial interior design firm specializing in multifamily, student, senior, and healthcare design projects across the U.S. Over three decades, she's built a reputation for high-impact, budget-disciplined design and resilient business leadership.Matt Zaun is an award-winning speaker and strategic storytelling expert who helps leaders inspire action and drive results through the power of story. He's the author of The StoryBank, a practical playbook for using strategic storytelling to build culture, boost sales, strengthen marketing, and become a dynamic public speaker.

"Money does not buy security. Money does not buy freedom. It does buy flexibility." This week , Tim sits down with Steve Marshman to talk about financial investing to create wealth future wealth. In a change of pace from podcast topics of sales, marketing, or leadership, they dive into thinking about the future, planning for retirement, and being wise. Tim and Steve discuss: Planning for the future when you are running a business and busy dealing with daily operations, problems, or responsibilities. Where to start and the Top Four Rules of Investing: 1) Diversify your investments. 2) Know your fees. 3) Have a "time horizon." 4) Emotion is your biggest enemy. How to think about market volatility, the pros/cons of a financial advisor, and index funds vs. actively managed funds. Happiness, being a successful investor over time, teaching others to invest, and teaching others to give. Don't miss this unique and practical episode to hear what you should be putting in place for yourself, or the people that work within your organization, to build wealth and create flexibility for the future. ------ Become a supporter of The Fire Time Network and get access to awesome rewards: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://itsfiretime.com/join⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To hear more audio articles from our magazine, subscribe to the Fire Time Magazine Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.itsfiretime.com/magazine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Read The Fire Time Magazine Reader Edition online: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://magazine.itsfiretime.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Download The Fire Time Magazine app to get full access to the magazine (for free): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.itsfiretime.com/app⁠⁠

In this special episode of Excess Returns, we share the most important investing lessons from more than 50 of our top guests. After asking more than 200 investors, strategists, academics, and market thinkers the same closing question about the one lesson they would teach the average investor, we compiled the most powerful, timeless, and repeatable insights into a single episode. This collection highlights common themes around patience, discipline, humility, diversification, risk management, and long-term thinking, while revealing how great investors navigate markets, behavior, and uncertainty.Main topics covered:Why investing is about preserving and growing wealth, not getting richWhy neither get in nor get out is an investing strategyThe role of base rates in decision-makingThe dangers of performance chasingWhy you should look at your portfolio less oftenThe importance of independent thinking and avoiding envyTreating stocks as businesses, not trading sardinesDiversification across assets, strategies, and economic regimesThe behavioral traps that destroy wealthLiquidity, supply and demand, and how markets really functionThe value of patience, long-term thinking, and sticking to your planHow to build a resilient portfolio that survives different market environmentsWhy simplicity often beats complexityThe role of humility, self-awareness, and keeping emotions out of investingTimestamps:00:00 Investing is about preserving and growing wealth00:45 Why neither get in nor get out is a strategy01:16 How we arrived at the one-lesson question02:00 Finding a portfolio you can live with03:00 Avoiding envy and chasing 10-baggers04:00 Why watching markets too closely hurts results05:00 The Matt Levine rule of unbelievable returns06:00 The power of base rates08:00 Look at your portfolio as little as possible10:00 Treat your holdings like real businesses12:00 Be invested early and think independently14:00 Be kind to yourself and keep taking action15:58 Do not chase performance17:00 Treat every position like you put it on today18:31 Your portfolio is secondary to your life19:44 Buy when others are fearful20:00 Be Rip Van Winkle, not Nostradamus22:00 Navigate the noise and avoid the siren song23:38 The value of simplicity and studying history24:59 Patience and tuning out the noise26:00 True diversification and preparing for unknown regimes27:50 Stick to a strategy that fits your personality29:00 Diversify and be humble about what you know30:00 Most results come from the market, not manager skill32:38 Keep investing simple34:00 Focus on what is knowable35:00 Believe in long-term economic and market resilience37:00 Get out of your own way38:22 Build a philosophy you can stick to39:00 Misjudging probabilities and confidence40:46 Book your gains and contain your losses41:00 Diversification is protection against bad luck42:00 Supply, demand, and liquidity always matter45:00 Markets as a political utility46:00 Find something real if you want true alpha47:00 Write down your decisions48:32 Why 100 percent indexing is unrealistic for most50:00 Alpha through portfolio structure, not just stock picking52:00 Dividends and long-run investing53:56 Valuation, time horizons, and patience55:00 Embracing uncertainty and avoiding pigeonholing56:33 Rules-based processes57:35 Buy good businesses, not just cheap ones59:00 Think long term and save early01:01:00 Focus on the basics first01:02:00 Avoid catastrophic losses01:03:22 Evidence-based investing and avoiding resulting01:04:09 Know what you own and keep fees low01:05:00 Simple strategies often work best01:06:00 Compounding and emotional control01:07:00 Treat savings as savings, not lottery tickets01:07:50 Balance enjoying today with protecting tomorrow01:08:00 Stay invested and think long term01:08:41 Be humble, patient, and systematic01:09:00 Do your own work and build conviction

The market is largely being driven by a handful of Artificial Intelligence-focused companies. Is it time to diversify?   Should You Buy at All-Time Highs? Global Diversification Is Still Working University of Missouri Risk Tolerance Assessment Financial Visualization of Markets (finviz.com) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Welcome to another show full of questions form you, the audience and hopefully some meaningful questions from Pete & Roger. This week we have questions about paying school fees, becoming a financial adviser, how to invest an inheritance and lots more! Shownotes: https://meaningfulmoney.tv/QA33    01:15  Question 1 Good morning Pete & Roger, Thank you for a great podcast, been really enjoying it over the years and it's been no end of help for me. My question concerns my grandchild. She was born in America but now lives in the UK, is duel nationality. As grandparents we were hoping to put money aside into a savings account for her. Now obviously we thought the JISA but as she is born in America we can't do that.  Is there any advice for how we can save for her in the most tax efficient way for her, conscious that she is quite young. If we can put some money away now regularly, it could build up into a nice little nest egg for her.  Also hoping to do this for other grandchildren, not necessarily born in America.   Any advice gratefully received. Mike. 05:48  Question 2 Hello Pete & Rog Wow these Q&As just keep delivering incredible value -keep up the great work!   I'm 52 and my wife is 43. We're both higher-rate taxpayers contributing to a DB-DC hybrid via salary sacrifice. We'd like to retire together in 12 years (me at 64, my wife at 55—she has a protected pension age). We both have a DB pension and a DC pension. Combined we have emergency fund of £30k in Cash ISA, no S&S ISA. Observations: - Once both DB & State Pension are in payment pay, planned spending of £60k p.a. is fully covered. - My ability to draw DC within the basic-rate band post-State Pension is limited, as DB 33k p.a. - My wife has much more scope to use her DC tax-efficiently before her DB/State Pension start. - Likely outcome: large residual DC balances if we only withdraw what's needed to spend. Question: Would it be sensible to draw more from DCs early (using UFPLS at ~15% effective tax) and reinvest the surplus in S&S ISAs? This could: - Lock in withdrawals at basic-rate tax before DB/State Pension restrict allowances - Reduce the chance of paying higher-rate tax later - Diversify across ISAs (which we intentionally lack currently) Am I letting the "tax tail wag the investment dog," or is this just  pragmatic tax-efficient planning? Cheers, Dunc   09:05  Question 3 Hi, Thank you both for your financial wisdom! It has definitely lit a fire under me! My husband and I (41) would like financial independence at 50. We have received £120k early inheritance gift and also plan to sell 2 rental properties over the next 5 years to reduce commitments (a further approximate £250k post CGT) We are mortgage free and I have since filled our stocks and shares LISA and ISA, investing in 100% equity low cost global trackers. Other than investing the remaining in a GIA and transferring to ISAs each year are there any other options to help money grow over the next 9 years. We may continue to work at 50 but under our terms. We need sufficient to tide us over from 50-57 when we can consider access to Pensions and the LISA at 60. Thanks Amy 12:18  Question 4 Dear Pete & Roger, Thank you so much for all the work you do on YouTube, on the Website and on the Podcast, it really does make a difference to people's lives and long may it continue! I'm 36 years of age, and I currently work as an Aircraft Technician, which I somewhat enjoy. However I find the older I get, the harder it is to keep up with the physically demanding nature of the job, and fear this may become more of an issue further down the line. This has prompted me to think about my future employment. Engineering has been my whole life, and my curiosity for learning and my persistent quest for personal development has resulted in me becoming a fully qualified Car Mechanic and Aircraft Technician. I have also achieved a BSc (Hons) in Motorsport Engineering & Design! However, my race car days are over, and in a way I feel like I have "completed engineering" to the best of my ability, and I am eager to take on a new challenge! I have always been interested in finance (some would say I talk about nothing else!). I've always kept on top of my own personal finance (thanks to yourselves), and try to encourage/empower others to take control of theirs. The past few months I have been thinking of self-studying (whilst remaining in my current employment) for the AAT Level 2+3 in Accountancy, however the more I think about it perhaps Financial Planning is more my cup of tea? I love working with numbers, working with and helping people, planning for the future etc, however I worry I lack the necessary confidence and people skills to become a successful advisor. So I guess my questions are: 1. How do you become a Regulated Financial Planner? 2. Is it possible to self-study for the CII Level 4 in Regulated Financial Planning whilst remaining in employment? Or would you advise against this?  3. Are there any pre-requisites to studying for the CII L4 in RFP?  4. Would an Accountancy role be more suited to someone who does not possess great people/communication skills? 5. Could a RFP qualification open doors to work in industry as a FP&A as oppose to personal finance?  6. Anything else you wish to add for clarity?  Both your opinions are highly regarded. Keep up the great work! Kind Regards, Tom 23:55  Question 5 To the wonderful Pete and Rog I am a long time listener with my husband .  the podcast and videos have been invaluable in developing our understanding of personal finance  - translating complex issues into an accessible format so that people like me can get to grips is a real skill and thank you sincerely! My husband and I are 53 and have quite late become parents to beautiful twin daughters who just started secondary school (and are learning how to slam doors and stamp feet... you know that age...) anyway back to us, we are both employed, my husband is a higher rate tax payer and I am on the lower rate band. Because of some specific issues with the kids development needs we have decided to prioritise their education and to put them in our local small independent school where there is excellent specific support for them.  They started in September and were paying £45k per annum.  just typing that number scares me! To support the fees we moved house and extended our mortgage.  This given us c100k for fees and alongside significant monthly savings out of our income (1.5k) has given us capacity to support the fees for the next three years, however it won't be enough to take them through to GCSEs. We're feeling weighed down by our mortgage which is now significant although supportable because of our salaries.  It leaves us very little capacity for savings or luxuries like holidays. We realise this is our choice! Up until this point we have been relatively disciplined paying into pensions.  My husband has DB pension scheme which will pay circa 50k a year from the age of 61 (he has been paying in since 21) and one of those good, connected DC pots which should have circa £350,000 in by 61.   the 350k can be used to provide the TFLS as it is connected to the DB scheme.  So, we know when my husband retires, we will have capacity to clear the current mortgage.  But this can only be accessed at 60+.  I have a smaller pot which is £180k currently.  I'm paying in £150 month which is as much as I can afford. We need to make a planning decision about how do we afford the 5 years of fees not just the next 3?  the decision is imminent as we have to renew our mortgage in the coming months.  We have we think two options (excluding selling a kidney or two). 1. To further extend the mortgage. This will mean we push back possibility of retirement even further and will certainly use up all £265k of TFLS from husbands pension.... and gives us a problem of repayments - further squeeze. or 2. we wondered whether we could use my pension fund? The idea we had was to use tax-free cash from my pension to support the fees. I will be 55 in November 2027 and we think we might be able to get c £50,000 to use as a TFLS. - Is the drawing my tax-free lump sum a real option? It feels like the only way we might access funds other than the mortgage. - what impact would that have on my pension does it mean I can't continue to contribute to the pot? - Finally, how might we evaluate the pros and cons of the two options? we suspect there is no right or wrong answer but if anyone can offer a few wise words it would be the dynamic duo - thank you're the best. Katherine 31:50  Question 6 Hi Pete and Roger I love this show. There's so much great information and it brings me comfort to know so many people are making similar decisions to me and I seem to be on the right path! My question is about property vs index funds. I am about to inherit about £100k and am wondering what to do with it. I invest in global index funds every month so would be comfortable DCA-ing (pound cost averaging) it in over a few months. But, I do not own a property. So, I could buy a 2-3 bed property in Kent with approx. £150k mortgage and rent out a room to take advantage of the rent-a-room scheme. I am fortunate that my job provides my accommodation so I do not pay ridiculous rent and so do not need a property. Would you choose index funds or property for growth over the next 10-15 years? I'm located in Kent. Thanks for sharing your thoughts. Ceara

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.