Podcasts about diversify

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.

It's been suggested growth must be seen in the retail sector of Shannon and the services offering of Ennis if both towns are to tackle their commercial vacancy problem. The latest quarterly report from GeoDirectory has found that Shannon has the second-highest commercial vacancy rate in the country at 30.8% while Ennis has the ninth-highest in Munster at 19.1%. The data reveals just over 18% of Shannon's commercial units are retail which is below the average of 22%, while Ennis is below the national norm when it comes to the services sector. GeoDirectory CEO Dara Keogh has been telling Clare FM's Seán Lyons both towns must diversify to bring life back into premises currently lying idle.

Offense + Defense: The 90-Second Plan to Retire Without Fear - Balance growth and guaranteed income to protect your lifestyle — and never worry about running out of money.   - AZ TRT S06 EP18 (280) 9-21-2025              What We Learned This Week ·         Offense + Defense is the Key to Wealth Financial freedom isn't just about hustling harder or chasing returns — it's about balancing offense (growth, risk-taking) with defense (guaranteed cash flow, risk management). ·         Appreciating Assets vs. Harvesting Assets Appreciating assets grow in value but only pay off when you sell. Harvesting assets pay you while you hold them (rent, dividends, interest). The wealthy own both — using harvesting assets to cover expenses and appreciating assets to build long-term wealth. ·         Income is More Reliable Than Growth Steven Bavaria's “Income Factory” mindset reminds us that income is fact, growth is hope. A steady stream of cash flow lets you survive downturns without selling assets and builds confidence in your plan. ·         The 90-Second Retirement Plan Works Cover 80% of retirement expenses with guaranteed sources (Social Security + annuities). Use the remaining 20% of your portfolio for growth, fun, and legacy-building — no more withdrawal stress. ·         The Goal is Infinite Income The ultimate destination is creating income streams that never run out — from real estate, businesses, life insurance, or even intellectual property. When income covers expenses for life, you gain true financial freedom.     Notes: Segment 1: Offense & Defense – The Key to Becoming Financially Unbreakable   ·         Quote: "In today's uncertain economy, the safest solution to be wealthy, be in total control and enjoy freedom for you and your family is to have multiple streams of income." – Robert Allen (2001) ·         Tie to today: 20+ years later, most people still rely on one paycheck or one retirement plan. Part 1: The Problem – The "One Thing" Retirement Plan ·         Traditional advice: just max your 401(k) and hope for the best. ·         The flaw: market volatility, layoffs, health events → can wreck your plan. ·         Analogy: one oxygen mask — if it fails, you're out of air. Part 2: Offense + Defense = True Financial Freedom ·         Offense: o    Growing income, scaling business, chasing higher returns. ·         Defense: o    Creating steady cash flow, reducing risk, having a safety net. ·         Too much offense = risk of wipeout. ·         Too much defense = stagnation. ·         The key: Balance both to become “financially unbreakable.”       Part 3: Appreciating vs. Harvesting Assets Introduce the concept that not all assets are created equal — some you wait to pay you, others pay you while you wait. ·         Appreciating Assets: o    Goal: Buy low, sell high. o    Examples: stocks, gold, art, land, most crypto. o    Risk: You only “win” if you sell at the right time. Gains (or losses) are just on paper until then. ·         Harvesting Assets: o    Produce income while you hold them. o    Examples: §  Rental real estate → rent + depreciation + tax benefits §  Bonds → interest §  Dividend stocks / REITs → quarterly payouts §  Staked crypto → interest §  Covered call writing → option premiums §  Cash-flowing businesses §  Indexed life insurance → credited interest + loan access o    Best assets do both: appreciate and produce cash flow (rental real estate, dividend stocks, etc.). Tie back to Offense-Defense: ·         Defense loves harvesting assets (cash flow covers bills). ·         Offense loves appreciating assets (bigger upside for growth). ·         Most wealthy individuals own both and balance them strategically. Part 4: Mental & Emotional Benefits of Defense ·         Cover 80%+ of expenses with steady income = less stress. ·         Frees mental bandwidth for creativity and risk-taking. ·         Allows you to play offense without fear. Part 5: The 3-Step Offense-Defense Plan 1.    Build the Defensive Base ("Sleep-at-Night Money") o    Rental properties, pensions, annuities, passive businesses, tax-free income plans. 2.    Grow with Offensive Moves o    Invest in higher-growth assets after defense is solid. o    Use tax strategies and leverage wisely. 3.    Think Like the Wealthy o    Control assets, income, and taxes. o    Hold appreciating and harvesting assets. o    Focus on cash flow first, price growth second. Segment 1 Takeaway: ·         Secure your financial oxygen mask first. ·         Diversify with appreciating and harvesting assets. ·         Build a system that covers your expenses so you can confidently grow your wealth. Segment 2: The Five Types of Income to the 90 Second Retirement Plan   ·         "Now that we've built your financial defense, let's talk about stacking multiple income streams so you never run out of money." Part 1: The 90-Second Retirement Plan ·         Reality Check: Markets, COVID, crypto crashes, trade wars → volatility isn't going away. ·         Biggest risk = relying only on investments for income. ·         Old school solution: Social Security + pension = guaranteed monthly paycheck. ·         Modern version: 1.    Social Security (≈40% of expenses) 2.    Guaranteed Income via annuities (≈40% of expenses) 3.    Remaining portfolio → growth, fun, and legacy. ·         Rule of Thumb: Allocate 15–20% of portfolio to lock in guaranteed lifetime income → cover 80% of your expenses. Part 2: The 5 Types of Income 1.    Business / Career Income – your day-to-day paycheck. 2.    Investment Income – dividends, rent, crypto interest. 3.    Retirement Income – 401(k), IRA distributions. 4.    Guaranteed Income – pensions, annuities, Social Security. 5.    Tax-Free Income – Roth IRA, life insurance cash value. Call to action: ·         List which ones you have today. ·         Create a strategy to build all five over time. Part 3: The Income Factory Mindset ·         Steven Bavaria's mantra: "Income is fact, growth is hope." ·         Focus on cash flow first — market value second. ·         A portfolio producing 10% yield with no price growth = same total return as 0% yield + 10% growth. ·         Income stream lets you survive downturns without selling assets. Part 4: Infinite Income – Scaling Your Streams ·         Real Estate: Buy, rent, refinance, repeat. Use leverage + 1031 exchanges. ·         Business: Build → pay off loans → profits keep coming. Use as collateral to expand. ·         Life Insurance: Tax-free policy loans → fund retirement and leave a legacy. ·         IP & Assets: Build once, get paid forever (Lucas/Star Wars, Bezos/Amazon, Microsoft/Windows, McDonald's system). Segment 2 Takeaway: ·         The goal isn't just retirement — it's infinite income. ·         Build multiple income streams that never run out. ·         Focus on income-producing assets first → appreciation becomes a bonus. ·         When your base income is covered, every market dip becomes an opportunity instead of a threat.     Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement       ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.    

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...

Upthinking Finance™ is now trademarkedMost retirement planning tends to focus on the financial side, but on this episode of Upthinking Finance™, we welcome Dr. Sara Yogev, clinical psychologist and author of “A Couple's Guide to Happy Retirement and Aging.” We're digging into the often-overlooked emotional and psychological aspects of transitioning into retirement.Drawing on over 30 years of experience, Dr. Yogev unpacks why psychological preparation is just as important as financial security, and sometimes even more challenging. We explore why retirement represents one of life's biggest transitions, the stages most people experience, and the surprises that can catch even the most financially savvy off guard.Dr. Yogev offers practical advice on how to mentally prepare for retirement, maintain purpose and connection, establish a routine that brings true satisfaction, and navigate changes within relationships.You will want to hear this episode if you are interested in...Feeling inadequate without a career identity [06:40]Focus on increasing "joy span" for successful aging and retirement [11:48]Diversify your social portfolio [16:01]How to balance time alone, together as a couple, and with family [18:16]Be adaptable and open to change in family connections and expectations [21:59]Harmonizing post-retirement relationships [27:52]Gradually incorporate big changes, like relocating for a smoother transition [35:10]Retirement requires more mental as well as financial preparation [39:09]Preparing for the Psychological Transition to RetirementMost financial conversations about retirement revolve around money—accumulating enough savings, securing income, and ensuring a comfortable lifestyle. Yet, as Dr. Sara Yogev, clinical psychologist and author of “A Couple's Guide to Happy Retirement and Aging”, points out, there's a world beyond spreadsheets and investment portfolios. The emotional, mental, and relational challenges that come with stepping out of the workforce are just as critical to address as the financial ones. People really neglect psychological planning and preparation for retirement. They think, “Oh, if I have enough money, it's fine.” But considering that retirement can last anywhere from one-third to one-fourth of your life, ignoring the psychological aspects can lead to dissatisfaction and discord—even for those who are financially secure.Navigating the Emotional LandscapeRetirement, like any major life transition, comes in stages. The initial honeymoon phase can last from six months to two years before giving way to a stage of disenchantment. Here, retirees might grapple with the loss of work-based identity and purpose.For many, professional life was more than a source of income—it was a wellspring of meaning, structure, and community. And when these roles fall away, so too can one's sense of self. Work often defines who we are. It's our identity, a way to feel useful and productive, and effective. And when that is gone, how do you replace it?Preparing emotionally for retirement, therefore, is about more than intellectual awareness that change is coming; it's about proactive exploration of what brings satisfaction, joy, and connection outside of one's career.Creating Your New Routine and IdentityOne of Dr. Yogev's central recommendations is for pre-retirees to spend time thinking about their future lives in greater detail: “What's my day, what's my week, what's my month, what's my year going to look like?” Constructing a satisfying routine is crucial for well-being. This might mean reengaging with hobbies or volunteering for causes close to your heart.She introduces the concept of “joyspan”—the idea of focusing not just on longevity, but on maximizing the time spent in contentment and fulfillment. Engage in activities...

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

Learn how to manage concentrated stock positions with strategies to reduce risk, control taxes, and protect your wealth.

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

Whitney shares her path from early house hacking to building a diverse portfolio across asset classes and layers of the capital stack. She explains why express car washes (not gas-station automatics or high-labor full-service models) can be a high-margin, subscription-friendly business—when you buy right, operate at scale, and choose the right corner. We dig into seasonality, water-use rules, equipment choices, and competition, plus how her team centralized third-party management across 30 locations in ~15 communities to gain purchasing power and in-house tech talent. Whitney also lays out how passive investors can evaluate these deals, target a healthy mix of subscription vs. single-pay customers, and balance cash flow today with equity plays when market cycles turn. Key Takeaways Express car wash ≠ automated gas-station bay. It's a long, smart tunnel with minimal staff and strong unit economics. Subscriptions smooth revenue. Targets around 75–80% recurring, while keeping single-pay volume for new-customer flow. Location is everything. Right submarket, right side of the road, and strong daily traffic (convenience wins). Scale matters. Centralized ops, in-house techs, and bulk contracts can lift margins beyond mom-and-pop levels. Risk & fit for LPs. Understand seasonality, local water policy, equipment vintage, and whether you're taking development risk. Portfolio strategy. Diversify across asset classes and up/down the capital stack to ride different market cycles.   - Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/

Taylor sits down with Alex, co-founder of Whimstay - the OTA built to fill your unsold gap nights inside 30 days. Alex shares his journey from theater to Yelp to startup life, why Whimstay is “HotelTonight for STRs,” and how hosts can add revenue without stealing a single booking from Airbnb or Vrbo.In this episode:Incremental revenue, not cannibalization: Why Whimstay targets 0–30 days to capture mid-week, shoulder-season, and last-minute demand.Host economics: 5% host commission + traveler fee (≈5–7%); you set a last-minute discount and keep bookings from going to zero.Supply → demand flywheel: Early focus on PMS integrations (Guesty, Escapia, Streamline, etc.) and larger PMs; now expanding with an independent host portal.Who books last-minute: Gen Z/Millennial “next-gen” travelers, digital nomads, and retirees seeking value and spontaneity.Distribution strategy reality check: Don't “work for one OTA.” Diversify to reach different booking windows and traveler segments.Growth levers: Google Vacation Rentals partnership, organic community buzz, and a ramped marketing push.Vision: Make last-minute STRs ubiquitous - hosts list on Airbnb/Vrbo and Whimstay to clear expiring inventory.If you've got unbooked Tuesdays or shoulder-season gaps, this convo will show you how to turn them into found money - no new cleaners, no new systems, just smarter distribution.Explore Whimstay: whimstay.comNew episodes every Friday + Monday Market Report___Episode Sponsored By:STR SearchSTR Search is the industry leading property finder service. They've helped investors acquire over 215 profitable STRs across the US. If you'd like the data professionals to help you find your next STR, reach out to STRsearch.com

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

Connect with me at https://experimentrealestate.com/connectGet the FREE Mid-Term Rental Insurance Blueprint: https://experimentrealestate.com/#blueprint In this solo briefing, Ruben breaks down Airbnb's move to a single host-only fee (15.5%) for listings managed through property management software (PMS)—what's changing, when it hits, and what it means for operators. He clarifies the Aug 25 & Oct 27, 2025 timelines and why this shift underscores a hard truth: Airbnb optimizes for guests first, not hosts.Ruben shares the immediate, practical fix: adjust PMS channel markups (not your global pricing tool) so Airbnb prices reflect the new fee without mispricing you across other OTAs. Then he zooms out to strategy—leverage Airbnb's traffic, but don't depend on it. Diversify across VRBO/Expedia/Furnished Finder/Zillow, build direct-booking pathways through brand presence in-stay, and set business guardrails (no auto IB if it breaks your ops).You'll also hear how to turn Airbnb visibility into long-term relationships, protect margins with smarter pricing ops, and operate like a true B2B temp-housing brand. This isn't “Airbnb or nothing”—it's Airbnb and a resilient distribution stack.Tune in now to learn exactly how to update your pricing, protect profits, and future-proof your portfolio while still riding Airbnb's massive demand engine.Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprint#ShortTermRentals #AirbnbHost #PMS #MidTermRentals #HospitalityOps #RevenueManagement #OTAstrategy #ExperimentNation

Welcome back to the Empower Her Business Accelerator podcast! I'm your host, Philippa Channer, and I'm so glad you're tuning in today because we are diving into a crucial topic for every entrepreneur—revenue diversification. Whether you're just starting or scaling up, building multiple income streams is essential for protecting your business from market shifts, burnout, and seasonal slowdowns. In this episode, you'll discover how to strategically diversify your revenue without overwhelming your capacity. We'll explore the “why” behind revenue diversification, practical methods for adding new income sources, and how to map them to your customer's journey. You'll walk away with a clear game plan to build sustainable income pathways that align with your strengths, support your brand, and allow you to grow with clarity and confidence. ⏱️ Episode Timestamps & Highlights (00:00) Welcome & Episode Introduction (01:30) Why Diversifying Matters (02:15) Start with What's Already Working (03:30) Add Complimentary Revenue Streams (06:15) Match Streams to the Customer Journey (09:00) Build in Passive & Recurring Models (11:45) Test Small, Scale Smart (13:00) Tools to Support Diversification

Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers: https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ With Nomad Capitalist Live right around the corner, Mr Henderson wanted to make a quick update to share with you what has been his favourite area to invest in for 2025. With the continuing decline of traditional Western institutions and the slowing down of economic growth in countries like the US and UK, Mr Henderson has often told us that currency diversification is the key to financial security. The way he likes to do this? Invest in reputable, growing and high-yield international banks. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ Disclaimer: Neither Nomad Capitalist LTD nor its affiliates are licensed legal, financial, or tax advisors. All content published on YouTube and other platforms is intended solely for general informational and educational purposes and should not be construed as legal, tax, or financial advice. Nomad Capitalist does not offer or sell legal, financial, or tax advisory services.

In this episode of the Real Estate Pros podcast, host Q Edmonds interviews Frank Miller, a seasoned real estate investor with 20 years of experience. Frank shares his journey into real estate, the importance of having a strong team, and the challenges faced in the industry. He discusses the concept of the 'trifecta' in real estate investing, which includes fixing and flipping, buying and holding, and wholesaling. Frank emphasizes the significance of building a supportive network and the motivation needed to succeed in real estate. He also introduces the Believe Investment Group, aimed at helping aspiring investors achieve financial freedom.   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   —--------------------

Send us a textBoda Borg is revolutionizing experiential entertainment with “questing” — real-life gaming adventures that blend technology, teamwork, and immersive challenges. With 11 global locations, 5M+ guests, $20M+ in annual revenue, and 30 years of innovation, Boda Borg is not just another escape room — it's a whole new category.In this interview, David Spigner, CEO of Boda Borg, shares how he's scaling reality gaming, insights on expansion into California and beyond, and why major companies like Google use Boda Borg for team-building and corporate events.Diversify your investments with the leader in Questing, a proven experiential live-action gaming platform with 11 locations, serving nearly 5 million Guests, and generating annual revenue of $20+ million.

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.

On the podcast I talk with Eric about how measurement dysfunction paralyzes growth, why diversifying channels for the sake of diversification actually hurts performance, and the futility of trying to interpret why ads win.Top Takeaways:

In this episode of UNSCRIPTED, Sarah Nicastro talks with Kate Glantz, CEO and co-founder of Move Over Bob, to explore her mission to revolutionize the trades through innovative media. Learn how this groundbreaking initiative is filling a crucial gap when it comes to working to diversify the trades with its fresh approach, engaging content that stands out, and focus on both informing and empowering young women.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share the blueprint for diversifying your portfolio no matter the size. ---

Have you ever wished someone had handed you a roadmap of the biggest sales lessons before you started your career? In this episode of the Sales Maven Show, host Nikki Rausch does exactly that by sharing the seven game-changing lessons she wishes she'd known from day one. These aren't theories or fluffy concepts—they're hard-won truths that can save you from costly mistakes and wasted time, whether you're selling to corporate clients, managing B2B accounts, or running your own business. Nikki begins by dismantling the myth of loyalty in sales. She explains that while taking excellent care of clients is important, it doesn't guarantee repeat business. Markets shift, priorities change, and people move roles. The lesson? Diversify your revenue streams and always be prepared to bring in fresh buyers instead of relying on a few big accounts. Another critical sales lesson is the “What have you done for me lately?” principle. Past success won't carry you forward if you stop marketing, prospecting, or nurturing your pipeline. Nikki recalls painful experiences that taught her how quickly momentum can stall when you assume one big sale will sustain you. Consistency is the key to staying relevant and profitable. She also dives into the reality that compensation packages, budgets, and buying behaviors change frequently. By detaching ego from pricing and packaging, entrepreneurs can pivot faster and test what works in real time. This flexibility often determines whether a business thrives or struggles when conditions shift. Relationships, Nikki emphasizes, are the foundation of long-term success. Strong connections with clients and colleagues open doors that skills alone cannot. She shares how deep relationships continued to bring her opportunities across multiple companies and even into her entrepreneurial journey—proof that trust and rapport truly trump everything else. One of the toughest but most valuable sales lessons Nikki shares is that promises don't equal sales. Until there's a signed agreement or money in the bank, nothing counts. She encourages business owners to confidently ask for the close during calls instead of leaving deals hanging in limbo. Lesson six encourages sellers to run their accounts like their own business. By advocating for your work as if it were its own living, breathing entity, you protect its health and growth. And finally, Nikki highlights communication skills as the ultimate superpower. Investing in your ability to adapt, listen, and respond effectively will elevate every aspect of your sales process. These seven sales lessons are more than stories from Nikki's past—they're actionable strategies you can apply today. From strengthening client relationships to mastering the close, each takeaway is designed to help you build sustainable success. If you're ready to shortcut years of trial and error, tune in and discover the sales lessons that will keep your pipeline strong, your confidence high, and your business thriving. Nikki invites you to join the Sales Maven Society. Take advantage of this opportunity to work together with you and Nikki. Bring your questions, concerns, and sales situations; she provides answers and guidance. Join the Sales Maven Society here, click Join Today, and then checkout and use coupon code 47trial to get your first month for $47.00! For more actionable sales tips, download the FREE Closing The Sale Ebook. Find Nikki: Nikki Rausch nikki@yoursalesmaven.com Facebook | Twitter | LinkedIn | Instagram Sales Maven Society https://calendly.com/salesmaven/work-with-nikki-discussion

Apply to work with me: https://www.michaelxcampion.com/It's tough to separate your job title from your identity and self-worth. Here's 2 great questions Robert Earnshaw asked himself upon retiring from the highest level:“If I'm not a footballer…then who am I?”“Now that it's over, how do I want to show up, and who do I want to be for those around me?”Transferable Lessons & Principles from our conversation:- Obsession is necessary. The person who lies awake at night thinking about how to get better will win. - You are more than your job. Do not confuse WHAT you do with WHO you are.- Diversify your sources of happiness and self-esteem. Not every passion needs to be monetised. Keep something just for you. "Earnie" has navigated the transition from professional footballer and public figure with more ease, grace, and optimism than most.I caught up with him in Singapore, after we shared the pitch at the Soccer 7s Series to talk about the “inner game”:But this episode isn't just for athletes. It's for anyone standing at a crossroads, wondering if there's something more.If you've ever felt the tension between who you were and who you're becoming, this one's for you.-----------Connect with Robert: https://www.instagram.com/robertearnshaw/Connect with me: https://www.linkedin.com/in/michaelxcampion/(00:00) Identity Beyond Football  (01:27) Playing in Singapore Soccer 7s  (03:31) First Impressions of Singapore  (04:35) Bringing Back the Somersault Celebration  (06:31) Playing with Joy vs Playing with Anger  (07:54) Football as Joy, Competition & Entertainment  (10:15) The Pure Emotion of Scoring Goals  (12:23) Life After Retirement & Reinventing Identity  (17:21) Coaching, Broadcasting & Public Speaking  (20:20) Building Life's Boxes: Spiritual, Physical, Professional  (24:47) Chess, Curiosity & Lessons Beyond Football  (28:39) Talent is Practice in Disguise  (32:59) Transferable Lessons from Football to Life  (37:49) Visualization & Performing Under Pressure  (42:26) Mastery and the Process of Getting Better  (46:45) Discipline, Health & Contracts with Yourself  (53:35) Doing Things with Feeling & Full Commitment  (56:52) Patience, Consistency & Trusting the Process  (58:43) Overcoming Setbacks & Disappointment  (1:01:24) Did Robert Earnshaw Squeeze the Lemon?  (1:06:24) Sacrifice, Social Life & Family in Football  (1:09:13) Why Discipline Beats Motivation  

I am very excited to have Evie McLeod & Lindsey Roman with me on the podcast today. They are co-founders of The Heart University, business coaches, wedding photographers, entrepreneurs, wives, mothers, and more. Let's get into it!⭐️Nathan's Signature Coaching Program:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠THE BUSINESS BLUEPRINT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⭐️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Calls for certainty from the supermarket sector as Economic Growth Minister Nicola Willis weighs more action. She's introduced fast track consenting to encourage new players into the market. Willis says she's looking carefully at the idea of breaking up the duopoly. Foodstuffs North Island Chief Executive Chris Quin told Mike Hosking the future of their business needs clarity on what regulations will be put in place. He says the individual owners are scratching their heads wondering what's going to happen. Quin also believes the amount of competition already in the market may be higher than people realise. He says 30% of the retail grocery market is third players in Auckland and 18% nationwide. LISTEN ABOVE See omnystudio.com/listener for privacy information.

This episode is a compilation of answers to YOUR questions that were asked directly from my listeners who attend my weekly business education YouTube live webcast. Topics covered include: How to diversify as a growth investor, How to reinvent my life and career, Why writing a business plan is so important and more.   Refer to chapter marks for a complete list of topics covered and to jump to a specific section. Download my free "Networking eBook": www.harouneducation.comAttend my weekly YouTube Live every Thursday's 8am-11am PT. Subscribe to my YouTube Channel to receive notifications. Learn more about my MBA Degree ProgramConnect with me: YouTube: ChrisHarounVenturesCompleteBusinessEducationInstagram @chrisharounLinkedIn: Chris HarounTwitter: @chris_harounFacebook: Haroun Education Ventures  TikTok: @chrisharoun300How to forecast a P/E ratio

“And he gathered up all the food of these seven years which occurred in the land of Egypt and put the food in the cities. He put in every city the food from the fields around it.” - Genesis 41:48Joseph's story isn't just dramatic—it's a powerful example of godly wisdom in uncertain times. His preparation during years of abundance helped an entire nation weather a famine. Today, Mark Biller joins us to explore what Joseph's legacy teaches us about planning ahead.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Learning from Joseph's ExampleJoseph's story in the book of Genesis is one of the most dramatic and inspiring accounts in all of Scripture. From his rise and fall—from favored son to slave, from prisoner to ruler of Egypt—Joseph's journey demonstrates God's providence at every turn. His famous words to his brothers in Genesis 50:20 capture the theme: “You intended to harm me, but God intended it for good.”But Joseph's story is also a powerful lesson in financial stewardship. His foresight during years of abundance prepared Egypt—and surrounding nations—to survive years of famine. This biblical principle remains as relevant today as it was thousands of years ago.In Genesis 41, Joseph interprets Pharaoh's dreams, warning that seven years of abundance will be followed by seven years of famine. Pharaoh puts Joseph in charge of preparations, and Joseph sets aside 20% of the harvest during the good years. This disciplined stewardship meant survival when crisis hit.Back in 2006, I wrote an editorial drawing on this lesson, warning that the “years of plenty” could give way to economic trouble. Just two years later, the 2008–2009 Global Financial Crisis proved the point. Many of the underlying issues from that period—such as excessive debt and systemic risk—remain unresolved to this day.The Challenges We Face NowWhile I don't have the same sense of foreboding I felt in 2006, there are signs of stress in the global financial system:Runaway Debt – U.S. debt has risen from $10 trillion in 2008 to over $36 trillion today.Bigger Banks – Post-crisis reforms led to further consolidation, making the largest banks even larger.Central Bank Intervention – Years of near-zero interest rates and quantitative easing have encouraged dependence on stimulus.Political Division – Our political climate makes tackling systemic issues even more challenging.Preparing Personally for the Next StormWe can't control national or global problems, but we can prepare at a personal level. If you are in a “year of plenty,” now is the time to:Pay down debt and reduce obligations.Build an emergency fund to weather personal or economic downturns.Diversify investments, including assets that hold value in inflationary times—such as gold, real estate, commodities, or even small allocations to Bitcoin.Live below your means so you can give generously when needs arise.Financial Preparedness as Spiritual OpportunityPreparedness isn't just about protecting yourself—it's about positioning yourself to help others. Crises, whether national or personal, can open hearts to the gospel. If our finances are in order, we can respond like Joseph—meeting physical needs and sharing the spiritual hope found in Christ.If you're in a season of famine right now, don't lose heart. Trust God as your ultimate provider, take small steps forward, and connect with your church or community for support. Seasons change, and preparation now can mean you'll be ready when the next opportunity to serve—or survive—comes.For more on this topic, read the full editorial Years of Plenty, Years of Famine Revisited at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I've owned a timeshare for years, but I think it's a bad investment. The maintenance fees are high, and I believe there are better vacation options. It will cost $2,000 to get out of it, but my wife likes it. How can I bring this up without hurting her feelings?In the Old Testament, tithing was clearly defined, but in the New Testament, Paul says giving should be something you decide in your heart. Some people tell me they give as they feel led—sometimes more, sometimes less. What are your thoughts on that approach to giving?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Years of Plenty, Years of Famine Revisited by Mark Biller (Sound Mind Investing Article)Sound Mind Investing (SMI)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Ross Simmonds breaks down how AI overviews and LLMs are changing search—and what small businesses can do to keep winning. We dig into why brand and owned channels matter more than ever, how to diversify beyond Google, which third-party domains LLMs love to cite, and a simple focus formula for content distribution. Key TakeawaysThe SERP is shifting to answers and transactions; fewer clicks to your site means brand + owned channels are mission-critical. Now is the time to publish unique, story-driven content that LLMs can cite later. Create assets your “future you” will be grateful for. Diversify discovery: show up where buyers research (TikTok, Pinterest, Instagram, Etsy), not just on Google. Search behavior has shifted—people use Instagram/YouTube/TikTok for ideas and how-tos; optimize for those journeys. To influence LLM answers, seed multiple authoritative domains (LinkedIn, Reddit, Medium, Quora) with your message. “Be excellent on one channel” first; syndicate elsewhere even if it's not perfect—then expand. Optimize your life too: sleep and calendars drive better marketing than nonstop grind. Listener Action ItemsPick your “home” channel and get excellent at it for 90 days; syndicate the same posts to 2 other platforms with light edits. Publish 3–5 unique, story-rich assets this month that your future self wants LLMs to cite. Seed third-party domains (LinkedIn article, Reddit thread, Medium post, Quora answer) with your core message to boost LLM citation odds. Audit discovery: can buyers find you on Pinterest/Instagram/TikTok/Etsy for your “money” searches? If not, claim and optimize profiles. Protect your energy: schedule sleep, workouts, and weekly calendar reviews before adding new marketing experiments. Connect With Ross:LinkedinGet Ross's book: Create Once, Distribute Forever Text me your questions or comments!Does SEO feel confusing, overwhelming, or just plain impossible to figure out? You're not alone. That's why I created the AI SEO Foundations course, powered by Crystal GPT: your personal AI SEO coach designed for busy, creative business owners like you.Ditch the overwhelm and discover what SEO can do for your business! Head to SEOin7days.com (with the number 7!) and get started today—let's make your brand easy to find and impossible to ignore.Support the showWant to follow up on what you've heard? Search the podcast!Join the SEO SquadApply to be my podcast guest!

India's Plan B: Surviving A 50% US Tariff ThreatWhat happens when US tariffs on Indian goods could hit 50% by the end of August? In this episode of The Core Report Weekend Edition, Govindraj Ethiraj talks to Rahul Mehta from Clothing Manufacturers Association of India and Ajay Srivastava from Global Trade Research Institute about how exporters can survive — and even thrive — in a high-tariff world.

In this episode, host Adam joins Axel Meierhoefer on The Ideal Investor Show to share his journey from aspiring trauma surgeon to founding Libertas Wealth Management Group. Adam opens up about the life-changing injury that redirected his career path, how his father inspired his love for business, and the unique approach he takes to help clients - both business owners and individuals - build and protect wealth across generations. From the critical differences between a ‘practice' and a ‘business,' to why most Americans start planning far too late, this conversation dives deep into the strategies, mindsets, and planning essentials that create lasting financial security. Episode Timestamps: 01:00 – Adam's origin story - from Cleveland roots to business inspiration 03:00 – Early career dreams in trauma surgery and competitive TaeKwonDo 05:00 – A career-ending injury changes everything 06:00 – The surprising conversation with his father that led to financial advising 07:00 – Launching Libertas Wealth Management Group and building a client family 10:00 – Generational wealth and the difference between practices and scalable businesses 12:00 – Why starting retirement planning at 52 is too late 14:00 – Business exit planning and the power of intangibles 16:00 – Using commercial real estate as a pseudo-pension 20:00 – Social Security realities and the income test 24:00 – Bridging the retirement income gap with multiple income streams 27:00 – Why many business owners never fully retire 31:00 – The compounding effect of starting early 36:00 – Combining time and leverage to build wealth 39:00 – Overcoming fear of failure with trusted guidance Key Takeaways:

We dive into the balance between branching out and staying grounded. When should you diversify, and when should you double down on your strengths?

In today's episode:Courts thwart California's anti-speech attempts to thwart "deepfakes"Amazon gives Trump the biggest coupon everAttempting to "vaccinate" AI against wrongthinkRFK Jr announces a defunding of mRNA researchAntarctica and "Outer Space"Trump calls for a redo of the CensusTrump says he's considering federalizing DC to deal with rampant crime Courts strain to preserve birthright citizenshipAG Bondi subpoenas Letitia JamesTrump says his family was debanked back in 2021Trump appoints Stephen Miran to the Fed's Board of GovernorsAn end to the Russia-Ukraine saga may be in sight as a Trump-Putin meeting is imminentThe deal is essentially the status quo ante, as project for 3.5 yearsNew trade routes open in India, Armenia, and AzerbaijanIsrael says it intends to take over GazaIsrael First members of the US Congress want the Treasury to force Ireland to stop boycotting IsraelLittle Rocket Man talks nooks.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.

So You think that the Hobby is getting bit overheated? The overall market might be too hot... The Answer? Diversify.

In this episode of Lead-Lag Live, I sit down with Bruce Levine, COO and Head of ETFs at Astoria Portfolio Advisors, to talk about one of the biggest problems facing investors today — how to diversify out of concentrated stock positions without triggering massive tax bills.We dig into the upcoming launch of the LCOR ETF, built around the innovative 351 exchange structure, and how it can help investors turn overexposed gains into a diversified, actively managed portfolio.In this episode:Why “yesterday's winners” rarely lead the next decadeHow the 351 exchange works — and who can benefitThe tax advantage that only comes once: October 1 launch dateWhy diversification matters, even for the biggest tech winnersHow LCOR aims to beat the S&P 500 with a large-cap core strategyLead-Lag Live brings you inside conversations with top financial minds shaping markets in real time.Subscribe for more interviews, insights, and raw takes that cut deeper than the headlines.Whether you're heading out for a weekend getaway or embarking on a global adventure, LEVEL8's sleek, durable luggage is designed to keep up.Visit www.level8cases.com and use code LEVEL8LAG10 to get 10% off your next purchase.Discount Code: LEVEL8LAG10– Offers 10% off on all products– No expiry, unlimited usage– Not stackable with other discounts Support the show

How do you turn a $10K test budget into $1M in just 30 days? When Q4 sales hit a wall, Miranda (Performance Marketing Manager at 365 Holdings) didn't panic. Instead, she diversified beyond Meta, and tested new channels like Pinterest, Snapchat, and AppLovin.  Nik and Miranda unpack the exact strategies, creative approaches, and measurement tactics that fueled a massive holiday sales surge.  You'll hear why relying on one ad channel can tank your business, how to creatively adapt ads for different platforms, and the surprising differences between running ads on Meta versus in‑game mobile platforms. And, what's Miranda's take on AI in ad creative? She picks her top tools and shares how smaller companies can compete with larger ones without breaking the bank.  AppLovin is the fastest growing ad platform for DTC brands. It enables brands to run ads in a variety of mobile games, reaching over 150M daily active users in the US and driving measurable performance at scale. ⁠⁠⁠⁠AppLovin Ecommerce Newsletter Want more DTC advice? Check out the Limited Supply YouTube page for more insider tips.   Check out the Nik's DTC newsletter: https://bit.ly/3mOUJMJ   And if you're looking for an instant stream of on-demand DTC gold, check out the Limited Supply Slack Channel for Nik's most unfiltered, uncensored thoughts.

In today's episode:Can we pass the Taste Test and discern between the False Reality layer and the actionable Reality Prime layerOur politics is a Reality ShowThe Democrats allot tens of millions of dollars to build an influencer propaganda network Bari Weiss attempts to sell her elite normie propaganda website for a quarter billion dollarsTrump releases plans for the palatial new White House ballroomIs the institutionalization of Bitcoin a win?15 Minute Cities in ChinaThe Trump admin announces a medical tech venture that would allow for corporate centralization of medical recordsThe problems with AI training dataSam Altman wants a World IDPalantir's capabilities expand, profits increaseA Fed governor resigns creating an unexpectedly early vacancyThe battle over redistricting is a Uniparty farceGhislaine Maxwell's grand jury transcripts contain nothing new according to DOJ, but her interview transcript from last week may be releasedRussiagate accountability marches forward and with it the potential for election theft disclosureThe Democrats try extortion for approving nomineesIs MAGA finally coming to terms with Israel not being "our greatest ally"?Hamas demands a Palestinian state that is already fait accompliNetanyahu pushes to expand the effort, making Israel look even worse.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Rocket Chiro Podcast, Jerry dives into the big question: What's AI going to do to search and SEO? Chiropractors have been hearing about AI more and more, and one longtime listener reached out to ask how this might impact local SEO and Google Maps rankings going forward. Jerry shares his personal insights (not AI-generated) on where things might be headed and what chiropractors should start doing now to stay ahead. In This Episode: 1. Why this conversation matters now AI is rapidly becoming more common in how people search for answers Some chiropractors are already using AI tools to replace Google for specific types of searches The shift might not be urgent yet, but it's happening 2. A reminder of what SEO really is SEO is about building a trust relationship with Google Google is a referral source, not just a search engine Stop trying to game the system with gimmicks; focus on trust and authority 3. Four key ways AI might change SEO and search New signals: AI may use different trust signals than Google, including more emphasis on social media and reviews across multiple platforms (not just Google) Better at spotting fakes: AI will likely be more effective than Google at identifying low-effort, spammy, or fake content and chiropractors Prompt-based influence: AI may favor content that's tied to user prompts and past conversations Highly personalized results: AI can tailor answers based on the user's history, preferences, and behavior, which could make ranking more individualized than ever 4. What chiropractors need to do now Create better content: Make sure your online presence answers real questions and builds trust Be human and specific: Generic AI content won't rank well; effort and uniqueness will still matter Diversify your reputation: Get reviews and mentions across different platforms, not just Google Interact meaningfully: Continue engaging with your Google Business Profile and community—human behavior still counts 5. Final thoughts Ranking well still requires intentionality, consistency, and real effort Specializing in areas like pediatrics, sports injuries, or headaches will require deeper content to back it up The sooner you start building trust and authority, the easier it will be to maintain a strong position in search Resources Mentioned: RocketChiro.com – Get help with your chiropractic website or local SEO NEXT Step Program – Coaching and support for new or stuck chiropractors who want to grow Free SEO & Website Review – Request a custom video review of your current online presence Want Help Growing Your Practice? Jerry offers business coaching, website design, SEO, and Google Ads services specifically for chiropractors. If you're ready for less stress and more momentum, visit RocketChiro.com. Free Website/SEO Review: https://rocketchiro.com/chiropractic-practice-assessment Best chiropractic websites: https://rocketchiro.com/best-chiropractic-websites Chiropractic SEO: https://rocketchiro.com/chiropractic-seo Coaching for Chiropractors: https://rocketchiro.com/join

Become a Client:  Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers:  Join us for the next Nomad Capitalist Live event:  In this weeks episode, Mr Henderson discusses the declining trust and uncertainty in the US dollar and how investors are shifting towards foreign currencies. He shares several foreign currency options to profit from the dollar's decline and explains how some of these options can also lead to residence permits with potential pathways for citizenship. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client:  Our Website:  About Our Company:  Buy Mr. Henderson's Book:  Disclaimer: Neither Nomad Capitalist LTD nor its affiliates are licensed legal, financial, or tax advisors. All content published on YouTube and other platforms is intended solely for general informational and educational purposes and should not be construed as legal, tax, or financial advice. Nomad Capitalist does not offer or sell legal, financial, or tax advisory services. 

In today's episode:Chris Matthews and Bill Maher reassess Trump's supportDonald Trump and David Sacks on what it means for tech to put America FirstTwitter is mostly bots with an extraordinary numbers of foreigners claiming to be AmericanData breaches, privacy, and what's to comeTrump takes it to the media companies and then calls out Beyonce for accepting $11 million from Kamabla and the fact-checking of that claimAcademic economists are getting routinely embarrassed by Donald Trump and they still claim to be the smart onesGhislaine Maxwell argues on behalf of her own immunity from prosecutionTrump says he never went to the island and, in fact, banned Jeffrey Epstein from MALFormer Trump Impeachment Hoax #2 attorney, David Schoen, says. there is no Esptein "list" and that Obama could be impeached, removing his immunityNormie podcasters are being used by Regime media outlets as proof that Trump is in trouble with his own base over the Epstein Files HoaxJohn Solomon updates on RICO Grande, John Ratcliffe says there's far more information to be declassifiedMarc Elias is falling apartHarvard settles with Trump and agrees to pay half a billion dollarsWindmills are badTrump is painted as a vacationing golfer, scared of the Epstein Files Hoax while he's settling wars and making world-changing trade deals.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.

Discover what does it take to grow from humble beginnings to over $260 million in real estate acquisitions and more than $150 million in capital raised. In this powerhouse episode, Tom Berry pulls back the curtain on his journey—starting with nothing and scaling into a diversified portfolio spanning single-family homes, multifamily, office, retail, and note investing. He shares the real-world lessons from decades in the trenches, the strategy behind his pivot into commercial assets, and why mindset is your greatest asset as an investor. If you're serious about wealth-building, this is an episode you can't afford to skip.5 Key Takeaways from the Episode:Start Where You Are – Tom began with no capital and no connections, proving resourcefulness matters more than resources.Pivots Are Powerful – His transition from single-family to commercial assets like shopping centers and notes multiplied his portfolio's value.Mindset Over Mechanics – Success wasn't just about numbers—it was about shifting his beliefs and habits to match his goals.Raise the Right Way – Tom breaks down how he raised over $150M ethically, legally, and with integrity—no gimmicks.Diversify with Intention – Real wealth, according to Tom, comes from smart, diversified investments backed by deep due diligence and education.About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai

Don and Tom highlight what may be today's biggest stock market bargain: small-cap value stocks, which have drastically underperformed large-cap growth and now appear poised for long-term reversion to the mean. They explain why chasing big winners like Nvidia and Apple could backfire, and why broad diversification with a tilt toward small and value still makes sense. Callers get help with tax drag from old mutual funds, switching from expensive active funds to ETFs, household asset allocation, Roth conversions, and whether to sell a large single-stock inheritance. The show wraps with a well-deserved swipe at Jordan Belfort's shameless self-promotion. 0:05 Don kicks things off with a musical flashback: The Who's “Bargain” sets the tone for a segment on what may be today's biggest investing bargain—small value stocks. 2:00 The S&P 500 has averaged 13.2% annually since 2014; small caps lag at 7.2%. Investors are fleeing small-cap ETFs just as they may be poised for reversion to the mean. 3:30 The top five stocks in the S&P 500 are now five times larger than the entire Russell 2000. That kind of imbalance can't last forever. 5:08 Historically, small-cap value has outperformed large growth by ~4% annually over 100 years—yet most investors are overexposed to U.S. large-cap growth. 8:08 Instead of market timing, build a balanced portfolio based on your risk tolerance. Consider overweighting small and value, but don't ditch large caps entirely. 9:23 Even the worst year for small caps (2008, -34%) wasn't as bad as the S&P's peak-to-trough crash (-57%). Diversification isn't just smart—it's safer. 10:23 For equity allocation: a 1/3 split between large U.S., small U.S., and international may be simple, but effective. 11:59 Eugene from Baltimore has a $5M+ portfolio generating massive taxable income. Don and Tom recommend municipal bonds and more tax-efficient ETFs. 17:45 Mutual fund to ETF conversions (like those offered by Vanguard and Dimensional) could reduce Eugene's tax bill without triggering capital gains. 22:43 BJ from San Antonio holds a pricey Invesco fund (SMMIX) full of big tech—essentially a closet index fund with an 0.85% fee. Time to switch to low-cost, diversified ETFs. 25:38 Vanguard's VUG offers the same exposure with more holdings and a 0.04% fee—plus it's transparent, predictable, and consistent. 28:43 Ron in Lakeland wonders if he should copy his wife's ETFs. If your household has a unified asset allocation plan, identical holdings across accounts are fine. 31:27 Jerry from Lacey, WA asks whether to keep doing Roth conversions or start Social Security now. Don and Tom advise continuing tax-efficient conversions, possibly up to the 22% bracket, but not beyond. Also watch out for income thresholds that affect benefits like the $6K tax rebate. 35:46 Sherry (dropped call) inherited $4M in Microsoft. Diversify! But do it with a tax strategy and professional help. 36:49 Don reacts to a nauseating LinkedIn post by Jordan Belfort, reminding us that glorifying financial predators only feeds industry corruption. Learn more about your ad choices. Visit megaphone.fm/adchoices

What should we make of Trump's latest 35% tariff threat on Canada? Rudyard and Andrew agree that while this is not surprising given who we are dealing with, it's also not unique to Canada, with Europe and Mexico likewise getting hit with a tariff threat as well. We are not dealing with a normal interlocutor, and anybody who talks about Trump being a natural negotiator is not familiar with the trajectory of his career and many bankruptcies. Unfortunately for Mark Carney, the US holds most of the cards in cross border negotiations, and if recent history is any indication, there is no way of guaranteeing that Trump will live up to any treaty he signs. In the meantime, Europe and the Indo-Pacific have begun strengthening their relationships with other trade partners which will cost the US bargaining power in the future. But should Canada - in a similar bid to diversify trade - seek to strengthen business ties with China? And can Trump's tariffs - which have already paid off a portion of the US treasury's deficit - actually work as intended and chip away at America's ballooning debt?

Alston Peek makes his long awaited return to the podcast to recap his journey from qualifying in a NAVHDA Utility Test last year all the way to the Invitational Test held recently in New Mexico. A lot of honesty in this episode including what it's like to work so hard and fall just short of your intended target! Playing a "game" vs. the "real thing" The decision to retest the Utility to qualify for the '22 Invitational Using "versatile" dogs Mentally preparing for the Invitational Test Going all the way back to Scout's foundation of steadiness Training backing with bumpers?! Baby stepping all the way to a dog that backs! Diversify the training with new places and new dogs Keeping it fun, real, and fresh What its like working year around and still come up just short The day of the test and lessons learned Any regrets after "failing?" Episode References: ⁠91 Backing and Honoring⁠ ⁠124 Backing Dummies⁠ --- Patreon and Partners: Support the Podcast: ⁠PATREON⁠ Gear: ⁠STANDING STONE SUPPLY⁠⁠ ⁠Other GDIY LINKS Learn more about your ad choices. Visit megaphone.fm/adchoices

What do the world's greatest investors know that the rest of us don't? In this episode, we sit down with William Green, author of Richer, Wiser, Happier, to uncover the timeless principles he's learned from interviewing legends like Charlie Munger, Howard Marks, and Bill Miller. Rather than chasing hot tips or quick wins, William reveals how traits like emotional control, simplicity, and avoiding big mistakes can help you build wealth—and a more meaningful life. We discuss the difference between gambling and investing, the wisdom of indexing for most families, and why subtracting noise can lead to clarity and success. Whether you're just starting out or well along your financial journey, this conversation offers valuable takeaways for life and money. If you want to become richer, wiser, happier, this episode with William Green is a must-listen. RESOURCES: ⁠⁠Sponsors + Partners + Deals⁠⁠ Richer, Wiser, Happier (book): https://amzn.to/4kkLq2e (affiliate) Chapters 00:00 – Timeless wisdom and survival in investing 01:00 – Introduction to William Green and his journey 03:30 – The surprising philosophical nature of top investors 06:00 – Learning from failure: The Bill Miller story 08:30 – The power of accepting impermanence (Mujo & Howard Marks) 11:30 – Gambling vs. investing: Lessons from a young William 14:30 – The Buffett playbook and indexing for most families 18:00 – The art of subtraction and simplifying your financial life 22:00 – Defining a rich life: Health, relationships, peace of mind 25:00 – Charlie Munger's key principle: Invert, always invert 28:30 – How to survive financial storms: Diversify and avoid leverage 32:00 – Dogged incremental progress and being “number one-ish” 36:00 – William's biggest takeaway from 25 years of interviews 38:00 – Where to find Richer, Wiser, Happier and his podcast MKM RESOURCES: ⁠⁠MKM Coaching⁠⁠: Want 1-on-1 support with your family finance journey? Book a time with me today. ⁠⁠Coast FIRE Calculator⁠⁠: A free calculator to help you find out when you can slow down or stop investing for retirement. ⁠⁠Mortgage Payoff Calculator⁠⁠: A free calculator to help you see how fast you can become mortgage free. ⁠⁠YouTube⁠⁠: Subscribe for free to watch videos of these episodes and interviews. RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES): ⁠⁠Monarch Money⁠⁠ - Best Budget App for Families & Couples ⁠⁠Empower⁠⁠ - Free Portfolio Tracker ⁠⁠Crew⁠⁠ - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link ⁠⁠Ethos⁠⁠ - Affordable Term Life Insurance ⁠⁠Trust & Will⁠ ⁠- Convenient Estate Planning HOW WE MAKE MONEY + DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Kayli Johnson Editor: Johnny Sohl Podcast Support: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices