Podcasts about diversifying

Retirement isn't an age. It's a number. The problem is most people don't know theirs.Many people spend years working toward financial freedom without ever defining what freedom actually looks like. In this episode of the Exit Strategies Radio Show, Corwyn J. Melette sits down with real estate investor, entrepreneur, and host of The Personal Finance Podcast, Andrew Giancola, to discuss the financial foundations that support sustainable wealth, smart investing, and long-term freedom.Andrew shares why successful investors don't just focus on finding deals—they focus on building a strong financial framework that can withstand life's unexpected challenges. From understanding your Freedom Number to managing risk, building reserves, controlling emotions, and creating a strategy for generational wealth, this conversation provides practical guidance for homeowners, aspiring homeowners, and investors alike.If you're looking to make smarter financial decisions, protect your equity, and create opportunities for future generations, this episode delivers a roadmap for building wealth the right way.Key Takeaways:• 04:35 – Why every investor needs to know their Freedom Number• 06:27 – How emotions influence financial and investment decisions• 08:20 – Building an emergency fund using the One-Three-Six Method• 10:50 – Why sustainability matters more than acquisition• 13:39 – Common rental property analysis mistakes• 17:35 – Diversifying wealth-building strategies• 20:25 – Understanding passive real estate investing opportunities• 22:05 – Managing debt while continuing to build wealth• 24:10 – The Financial Freedom Stack framework• 26:15 – Creating generational wealth through intentional planningLegacy Building Takeaway:I am gonna be the first person in my family to build generational wealth... You can change your family's financial life."  Andrew GiancolaConnect with Andrew:Website:https://mastermoney.co/Master Money Academy: joinmastermoneyacademy.comSocial: @mastermoneycoConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.

Today's podcast is a little different as it is a replay of a discussion I had with Joey D'Agata on the Property Strategy Podcast about the evolution of my investment philosophy and the lessons learned over the five decades I've been involved in property.   We explored my investment philosophy and how my thinking has evolved over time and the lessons I've learned as I progressed from being a beginning investor to a sophisticated investor with a substantial property portfolio.   We discuss the importance of strategic planning in property investment and how it can lead to long-term financial freedom.   We also explore the role of demographics and infrastructure in determining property value and investment success.   Additionally, we analyse the impact of intergenerational wealth transfer on the property market and future opportunities.   Join us as we provide insights to help you make informed investment decisions in today's dynamic market.   Takeaways   • Strategic planning is crucial for achieving long-term financial freedom through property investment. • Understanding demographics helps in identifying high-value property investment opportunities. • Infrastructure development significantly influences property value and investment success. • Intergenerational wealth transfer creates new opportunities in the property market. • Diversifying property types can enhance investment resilience and growth. • Buying quality assets in high-growth areas ensures better returns. • Managing debt effectively is key to transitioning to a cash flow-based lifestyle. • Rent vesting offers flexibility for young investors seeking lifestyle locations. • Long-term investing benefits from compounding wealth and strategic asset management. • Government incentives and tax changes impact property investment strategies.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ •        Win a hard copy of Negotiate, Influence, Persuade. •        Every entry receives a copy of a fully updated Michael Yardney Property Report.   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.   Get a bundle of free reports and eBooks: www.PodcastBonus.com.au    Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia   The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.   The Michael Yardney Podcast dives into: • Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning   If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.   Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kurt Farquhar. Television & Film Composer, Founder of Fall Crop Productions and True Music ProNotable Credits: The King of Queens, Girlfriends, The Parkers, Being Mary Jane, The Proud Family, The Neighborhood, Black LightningAwards: 10 BMI AwardsTenure: 38+ years in television Purpose of the Interview The purpose of this interview is to educate and inspire creatives, entrepreneurs, and professionals about longevity, adaptability, and wealth-building behind the scenes. Kurt Farquhar’s journey highlights how sustainable success comes from mastery of craft, relationship-building, and treating creativity as a business—not chasing visibility or fame. Rushion McDonald uses Kurt’s career as a blueprint for: Building mailbox money through residuals Staying relevant across decades of industry change Monetizing intellectual property Leveraging relationships to sustain opportunity Core Themes Discussed Longevity vs. “getting on” Behind-the-scenes success Residual income (“mailbox money”) Adaptability in changing industries Creative originality Relationship capital Diversifying income through ownership Treating art like a business Key Takeaways 1. Staying In Is Harder Than Getting In While many focus on breaking into the industry, Kurt emphasizes that lasting success requires constant reinvention. “The continuing it for the 30-plus years has been way harder than the getting in in the first.” Insight: Longevity requires discipline, humility, and evolution. 2. Behind-the-Scenes Roles Can Be More Sustainable Kurt chose composing over performing, allowing him to age into his career rather than age out of it. “In television and film… all I’ve got to say is John Williams is in his 90s and still composing.” Insight: Choose lanes that allow long-term relevance and recurring income. 3. Residual Income Is Real Wealth Rushion and Kurt discuss “mailbox money”—recurring payments from past work. “If you just had the mailbox money for King of Queens, you’d be fine.” Insight: True financial freedom comes from owning work that keeps paying. 4. Adaptability Is Non‑Negotiable Kurt has survived massive industry shifts—from analog tape to digital production—by embracing change. “Sustain that good idea, change it, polish it up, and mold it for the changing times.” Insight: Talent without adaptability becomes obsolete. 5. Originality Comes From Listening, Not Forcing a Style Kurt avoids creative stagnation by serving the story, not his ego. “I don’t come in every day trying to force the singular style I’ve done for 38 years.” Insight: Longevity depends on collaboration and humility. 6. Relationships Are Career Currency Kurt credits long-term success to consistently showing up for people—before they’re powerful. “If you only call someone once you read they’ve got something coming up, it’s already too late.” Insight: Relationships built without agenda produce lasting opportunity. 7. Saying “Yes” Creates Opportunity Kurt embraces what he calls the power of yes. “I figure I can say yes more than you and end up making more and doing better.” Insight: Opportunity favors those who remain open, prepared, and professional. 8. Ownership Multiplies Creativity Into Business Kurt built True Music Pro, a licensing library used across major networks and streaming platforms. “I realized companies were licensing more of my music than I was… so I built my own library.” Insight: Ownership turns talent into scalable income. Notable Quotes “The journey to stay in is harder than the journey to get in.” “Treat it like a business and it might treat you in kind.” “I do my job, I do it the best I can, and I move on to the next one.” “Character is character. Relationships matter.” “That success doesn’t happen by accident. It happens with care.” Overall Impact of the Interview This interview serves as a masterclass on creative longevity and wealth-building without celebrity dependency. Kurt Farquhar’s story reframes success as: Consistent excellence Relationship stewardship Business ownership Adaptability across generations It is especially powerful for: Creatives seeking sustainable careers Entrepreneurs building IP-based businesses Professionals navigating long-term relevance Anyone pursuing “quiet wealth” over public fame #SHMS #STRAW #BEST #AMISee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kurt Farquhar. Television & Film Composer, Founder of Fall Crop Productions and True Music ProNotable Credits: The King of Queens, Girlfriends, The Parkers, Being Mary Jane, The Proud Family, The Neighborhood, Black LightningAwards: 10 BMI AwardsTenure: 38+ years in television Purpose of the Interview The purpose of this interview is to educate and inspire creatives, entrepreneurs, and professionals about longevity, adaptability, and wealth-building behind the scenes. Kurt Farquhar’s journey highlights how sustainable success comes from mastery of craft, relationship-building, and treating creativity as a business—not chasing visibility or fame. Rushion McDonald uses Kurt’s career as a blueprint for: Building mailbox money through residuals Staying relevant across decades of industry change Monetizing intellectual property Leveraging relationships to sustain opportunity Core Themes Discussed Longevity vs. “getting on” Behind-the-scenes success Residual income (“mailbox money”) Adaptability in changing industries Creative originality Relationship capital Diversifying income through ownership Treating art like a business Key Takeaways 1. Staying In Is Harder Than Getting In While many focus on breaking into the industry, Kurt emphasizes that lasting success requires constant reinvention. “The continuing it for the 30-plus years has been way harder than the getting in in the first.” Insight: Longevity requires discipline, humility, and evolution. 2. Behind-the-Scenes Roles Can Be More Sustainable Kurt chose composing over performing, allowing him to age into his career rather than age out of it. “In television and film… all I’ve got to say is John Williams is in his 90s and still composing.” Insight: Choose lanes that allow long-term relevance and recurring income. 3. Residual Income Is Real Wealth Rushion and Kurt discuss “mailbox money”—recurring payments from past work. “If you just had the mailbox money for King of Queens, you’d be fine.” Insight: True financial freedom comes from owning work that keeps paying. 4. Adaptability Is Non‑Negotiable Kurt has survived massive industry shifts—from analog tape to digital production—by embracing change. “Sustain that good idea, change it, polish it up, and mold it for the changing times.” Insight: Talent without adaptability becomes obsolete. 5. Originality Comes From Listening, Not Forcing a Style Kurt avoids creative stagnation by serving the story, not his ego. “I don’t come in every day trying to force the singular style I’ve done for 38 years.” Insight: Longevity depends on collaboration and humility. 6. Relationships Are Career Currency Kurt credits long-term success to consistently showing up for people—before they’re powerful. “If you only call someone once you read they’ve got something coming up, it’s already too late.” Insight: Relationships built without agenda produce lasting opportunity. 7. Saying “Yes” Creates Opportunity Kurt embraces what he calls the power of yes. “I figure I can say yes more than you and end up making more and doing better.” Insight: Opportunity favors those who remain open, prepared, and professional. 8. Ownership Multiplies Creativity Into Business Kurt built True Music Pro, a licensing library used across major networks and streaming platforms. “I realized companies were licensing more of my music than I was… so I built my own library.” Insight: Ownership turns talent into scalable income. Notable Quotes “The journey to stay in is harder than the journey to get in.” “Treat it like a business and it might treat you in kind.” “I do my job, I do it the best I can, and I move on to the next one.” “Character is character. Relationships matter.” “That success doesn’t happen by accident. It happens with care.” Overall Impact of the Interview This interview serves as a masterclass on creative longevity and wealth-building without celebrity dependency. Kurt Farquhar’s story reframes success as: Consistent excellence Relationship stewardship Business ownership Adaptability across generations It is especially powerful for: Creatives seeking sustainable careers Entrepreneurs building IP-based businesses Professionals navigating long-term relevance Anyone pursuing “quiet wealth” over public fame #SHMS #STRAW #BEST #AMISupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kurt Farquhar. Television & Film Composer, Founder of Fall Crop Productions and True Music ProNotable Credits: The King of Queens, Girlfriends, The Parkers, Being Mary Jane, The Proud Family, The Neighborhood, Black LightningAwards: 10 BMI AwardsTenure: 38+ years in television Purpose of the Interview The purpose of this interview is to educate and inspire creatives, entrepreneurs, and professionals about longevity, adaptability, and wealth-building behind the scenes. Kurt Farquhar’s journey highlights how sustainable success comes from mastery of craft, relationship-building, and treating creativity as a business—not chasing visibility or fame. Rushion McDonald uses Kurt’s career as a blueprint for: Building mailbox money through residuals Staying relevant across decades of industry change Monetizing intellectual property Leveraging relationships to sustain opportunity Core Themes Discussed Longevity vs. “getting on” Behind-the-scenes success Residual income (“mailbox money”) Adaptability in changing industries Creative originality Relationship capital Diversifying income through ownership Treating art like a business Key Takeaways 1. Staying In Is Harder Than Getting In While many focus on breaking into the industry, Kurt emphasizes that lasting success requires constant reinvention. “The continuing it for the 30-plus years has been way harder than the getting in in the first.” Insight: Longevity requires discipline, humility, and evolution. 2. Behind-the-Scenes Roles Can Be More Sustainable Kurt chose composing over performing, allowing him to age into his career rather than age out of it. “In television and film… all I’ve got to say is John Williams is in his 90s and still composing.” Insight: Choose lanes that allow long-term relevance and recurring income. 3. Residual Income Is Real Wealth Rushion and Kurt discuss “mailbox money”—recurring payments from past work. “If you just had the mailbox money for King of Queens, you’d be fine.” Insight: True financial freedom comes from owning work that keeps paying. 4. Adaptability Is Non‑Negotiable Kurt has survived massive industry shifts—from analog tape to digital production—by embracing change. “Sustain that good idea, change it, polish it up, and mold it for the changing times.” Insight: Talent without adaptability becomes obsolete. 5. Originality Comes From Listening, Not Forcing a Style Kurt avoids creative stagnation by serving the story, not his ego. “I don’t come in every day trying to force the singular style I’ve done for 38 years.” Insight: Longevity depends on collaboration and humility. 6. Relationships Are Career Currency Kurt credits long-term success to consistently showing up for people—before they’re powerful. “If you only call someone once you read they’ve got something coming up, it’s already too late.” Insight: Relationships built without agenda produce lasting opportunity. 7. Saying “Yes” Creates Opportunity Kurt embraces what he calls the power of yes. “I figure I can say yes more than you and end up making more and doing better.” Insight: Opportunity favors those who remain open, prepared, and professional. 8. Ownership Multiplies Creativity Into Business Kurt built True Music Pro, a licensing library used across major networks and streaming platforms. “I realized companies were licensing more of my music than I was… so I built my own library.” Insight: Ownership turns talent into scalable income. Notable Quotes “The journey to stay in is harder than the journey to get in.” “Treat it like a business and it might treat you in kind.” “I do my job, I do it the best I can, and I move on to the next one.” “Character is character. Relationships matter.” “That success doesn’t happen by accident. It happens with care.” Overall Impact of the Interview This interview serves as a masterclass on creative longevity and wealth-building without celebrity dependency. Kurt Farquhar’s story reframes success as: Consistent excellence Relationship stewardship Business ownership Adaptability across generations It is especially powerful for: Creatives seeking sustainable careers Entrepreneurs building IP-based businesses Professionals navigating long-term relevance Anyone pursuing “quiet wealth” over public fame #SHMS #STRAW #BEST #AMISee omnystudio.com/listener for privacy information.

NFI's 3PL Growth, Real Estate Strategy, and Tech Adoption with Michael Landsburg (IAMC Little Rock) Live from the IAMC conference in Little Rock, the Industrial Advisors podcast interviews Michael Landsburg of NFI about the company's scale and strategy in the 3PL world. Landsburg explains NFI is a 94-year-old, privately held, family-owned supply chain company operating primarily in the US and Canada, with about 80 million square feet in its portfolio (about 17 million owned), roughly 18,000 employees, 5,000 trucks, and 14,000 trailers, serving shipments from Asian ports to home delivery. He discusses how NFI decides between customer-held leases, NFI-held leases, and owning facilities for control, speed, flexibility, and family investment diversification. This includes a shift after the global financial crisis toward leasing more space to third parties. He touches on submarket-by-submarket leasing conditions, NFI's strong performance versus the industry since 2022, a reduced risk posture in matching leases to contracts, ongoing data centralization to enable AI, warehouse automation with fully autonomous robots, and uncertainty over whether Asian-based 3PL growth represents net-new demand or market-share shift. 0:00 Intro and NFI overview 2:10 The history of the 94-year-old family business 4:15 Strategy behind owning vs leasing assets 6:30 Diversifying the portfolio after 2008 8:45 Current industrial market trends and softness 11:00 Leveraging data and AI in logistics 13:15 Autonomous robots in the warehouse 14:50 The impact of Asian 3PL growth 16:00 Closing thoughts and wrap up

Self-storage might not be the first thing you think of when you hear "real estate investing," but it can open the door to a very different conversation about diversification, passive income, and long-term planning. Regina McCann Hess sits down with Corinn Altomare, co-founder of Hearthfire Holdings, to talk about passive self-storage investments, why some investors look beyond traditional stocks and bonds, and how income-producing assets can fit into bigger retirement conversations. They also talk about patience, long-term thinking, 1031 exchanges, the emotional side of work and family, and the importance of asking one big retirement question early: how will you replace your paycheck?  Episode Highlights:  0:00 - Welcome to Women and Wealth 0:31 - Why self-storage can be an interesting investment topic 1:06 - Meet Corinn Altomare 2:23 - Building Hearthfire Holdings from a side hustle 5:17 - Diversification beyond stocks and bonds 7:13 - How private investors can access larger real estate projects 9:24 - Storage vs. apartments 13:28 - Long-term investing and avoiding daily market noise 14:32 - 1031 exchanges and compounding over time 17:01 - Where to learn more about Corinn 17:40 - Balancing ambition, family, and fulfillment 23:16 - Corinn's vision for retirement 25:01 - Passive income and replacing your paycheck in retirement 26:46 - Regina's action item    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CORINN ALTOMARE   Website: https://hfirecapital.com/ LinkedIn: https://www.linkedin.com/in/corinn-altomare/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org   Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

Want to dive deeper into topics like this? Master your journey with Physician Empowerment's Masterclass Membership—your gateway to exclusive content, expert-led sessions, and actionable strategies to elevate your personal and financial well-being. Learn more and join us today! https://www.physempowerment.ca/masterclass — In this episode, Dr. Wing Lim speaks with CFA charterholder and portfolio manager Josh Carter about private equity, alternative investments, and building an “all-weather” portfolio for Canadian physicians. Josh explains why many institutional investors, pension funds, and family offices allocate significant portions of their portfolios to private markets and other non-correlated assets instead of relying solely on public stocks and bonds. The discussion covers diversification, portfolio volatility, and why private investments can help reduce exposure to market swings driven by geopolitical events and investor sentiment. Dr. Lim and Josh explore the risks and realities of private equity investing, including liquidity constraints, due diligence, and concentration risk. They also detail the importance of working with experienced fiduciary advisors. Josh explains the differences between public and private markets, why top private equity funds can outperform traditional markets over time, and how investors should evaluate opportunities carefully. This episode offers physicians practical insight into portfolio construction, alternative assets, private equity funds, and long-term wealth management strategies. About Josh Carter: Josh Carter is a CFA charterholder, portfolio manager, and investment professional specializing in private markets and portfolio construction. He works closely with investment committees and clients to evaluate private equity, infrastructure, real estate, and alternative investment opportunities while helping investors build diversified long-term portfolios. Josh is passionate about financial education, wealth management, and helping investors understand how institutional strategies can be applied to personal portfolios. __ Physician Empowerment:  Attend an upcoming Empowerment Retreat Join the Physician Empowerment Masterclass now Website: PhysEmpowerment.ca ___ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome back to the Tom Bilyeu Show Live! On today's episode, Tom is joined by his beloved wife, Lisa, for a deep dive into this week's economic and political turbulence. From explosive AI valuations and the dangers of narrative-driven investing to provocative policy proposals—including California's potential billionaire wealth tax and Newsom's contentious plan to tax Trump's anti-weaponization fund—nothing is off the table. We discuss historical lessons in economic bubbles, strategies for surviving inflation and debt, and the core mechanics of how assets, taxes, and government policy interact to shape everyone's financial future. Plus, Tom unpacks the story behind Peter Thiel's move to Argentina, the role of unions, and shocking claims about what taxpayer dollars are funding. Whether you're an investor trying to protect your portfolio or simply want to understand the forces shaping your wallet, this episode is packed with first-principles thinking, candid debate, and actionable insights to empower your decisions in uncertain times. Chapter Notes: 00:00 Understanding narrative vs. fundamental investing 07:13 Investing in AI and infrastructure 13:20 Diversifying investments across assets 20:07 Understanding body biology at Quest 21:28 Discovering the Eurodollar market 29:31 Entrepreneurship over saving for wealth 33:42 Discussion on tax distribution 37:29 Government control and economic impact 47:11 Debating area's affordability and value 50:30 Debate over Trump's legal defense fund 54:48 Discussing January 6th repercussions 01:00:36 Discussing personal assumptions and surprises 01:08:23 Questioning personal beliefs and goals 01:11:32 Intellectual humility and growth 01:16:44 Peter Thiel's global relocation plans 01:20:44 Concerns about political leadership 01:28:49 Armed gangs in Canada 01:30:55 Discussing left vs right politics Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Most creative entrepreneurs learn how to make money, but not what to do with it next. In this episode, Ambrosia Carey breaks down the often-overlooked side of business: how to think about money after you earn it. From profit vs. revenue to lifestyle inflation, investing, and long-term financial strategy, this conversation helps hairstylists, service providers, and creative founders understand how to build real freedom, not just income. If you've ever felt financially successful on the surface but unsure how to grow, protect, or multiply your money, this episode will shift how you think about your business and your future. If you missed this episode: The 7 Figure Salon Fantasy To get our Founders Business Notes, join the Newsletter: https://view.flodesk.com/pages/63e914fc8e06d4dae9493e58 Take 50% off GlossGenius Gold or Platinum for 2 months with code SUCCESSFUL here: http://glossgenius.com/successfulstylist Key Takeaways: 1. Making money and building wealth are two different skills, and many creative entrepreneurs master earning without learning how to grow or protect what they make. 2. Revenue can look impressive from the outside, but true financial clarity comes from understanding profit after expenses, time, and operational costs are accounted for. 3. High-ticket services do not always equal high income when you break them down hourly and factor in product, rent, taxes, and overhead. 4. Lifestyle inflation can quietly limit financial freedom when every income increase is immediately matched with higher spending. 5. Financial growth comes from asking better questions, not just working harder...especially around how money is being used beyond day-to-day expenses. 6. Long-term wealth is often built quietly through intentional decisions like saving, investing, and diversifying income sources. 7. Money should be treated as a tool, not something reserved for "financial people," and understanding it creates more control and confidence. 8. Founders should understand basic financial buckets like cash reserves, high-yield savings, retirement accounts, and business reinvestment. 9. Strategic reinvestment is different from emotional spending disguised as business growth, and recognizing that difference is critical. 10. Diversifying income and assets reduces financial vulnerability and creates more long-term stability and flexibility. 11. Asking simple questions like "Am I paying myself properly?" or "Is my money working for me?" can shift your entire financial trajectory.   12. Financial awareness is more important than perfection, starting the conversation early leads to better decisions over time. 13. You don't need a massive financial breakthrough to build freedom: consistent, intentional decisions can create options over time. 14. True success isn't just about income, it's about having the flexibility, time, and choices to design your life on your terms. Get 15% off our favorite skincare line, Pharmagel using code SSA15: https://pharmagel.net/?ref=SSA15 Find us on YouTube: http://www.youtube.com/@successfulstylist

For episode 735 of the BlockHash Podcast, host Brandon Zemp is joined by Bobby Shell of Voltage, an enterprise-grade cloud infrastructure platform that specializes in "Lightning-as-a-Service" (LaaS). It allows businesses, fintechs, and financial institutions to easily set up, manage, and scale Bitcoin and Lightning Network nodes without the burden of maintaining physical servers.

Reaching your audience can be done in so many varied ways these days. You can even use community notice boards, or pop over to X and look up Journo Request and HARO and take part in the conversation. Listen to this week's episode to hear a full range of creative ways to make the most of your creativity.

PREVIEW for Later Today: Bob Zimmerman. Bob Zimmerman explains how Vast is diversifying its business model by selling high-powered satellite buses to fund the development of their ambitious private space stations.NOVEMBER 1939

Send us Fan MailIn this episode of Born Scrappy I sit down with Brett Ekart, Serial Entrepreneur, Owner of United Metals Recycling and the host of A Scrap Life podcast, for a masterclass in what it really means to grow. Not just bigger, but smarter, broader, and with the right people alongside you.Brett has built one of the most diversified operations in the scrap industry. From eight scrapyards in Idaho and Oregon to pipe supply, trucking, tire recycling, property development, and media.But this episode isn't just about the businesses he's built. It's about how he thinks, how he spots opportunities others miss, how he finds the right people to back, and why giving away equity is one of the best decisions he's ever made.Raw, honest, and full of hard-won lessons. This is Brett Ekart unfiltered.In this episode, we talk about:

Send us Fan MailIn this transformative episode of The Wealth Vibe Show, host Vinki Loomba is joined by Whitney Elkins-Hutten, Director of Investor Education at PassiveInvesting.com, and author of Money for Tomorrow: How to Build and Protect Generational Wealth. Whitney shares her wealth-building journey and offers valuable insights on how to focus on creating cash flow rather than just growing net worth.Key Takeaways:Whitney discusses the challenges and lessons learned on her journey from fixing and flipping properties to understanding the importance of cash flow.Discover how building a resilient, income-focused portfolio can provide true financial freedom.Whitney shares how her experience with real estate investments, debt funds, and tax benefits has helped her and her clientsLearn how to balance debt and equity in your portfolio, and why diversification across different asset classes is critical to mitigating risk.Whitney explains the importance of developing a mindset around financial freedom and how passive income can be a game-changer.Tips on navigating the current market environment, the importance of patience, and how to build a portfolio that aligns with your financial goals.Episode Timestamps:00:00 - 02:00: Introduction to Whitney Elkins-Hutten02:00 - 06:00: Whitney's early journey in real estate and the importance of cash flow06:00 - 10:00: Overcoming the challenges of fixing and flipping properties10:00 - 14:00: Shifting focus from net worth to cash flow14:00 - 18:00: Understanding the importance of income-producing portfolio18:00 - 22:00: Diversifying your investments and balancing debt and equity22:00 - 27:00: The power of passive income and its role in financial freedom27:00 - 31:00: Building systems and processes for investing in passive deals31:00 - 36:00: Patience in real estate investing and the current market cycle36:00 - 41:00: Educating investors on how to build wealth with a balanced portfolio41:00 - 45:00: Whitney's personal wealth vibe and advice for aspiring investors

This week we're reading the texts for Pentecost with Acts 2:1-21 and Philippians 4:4-7. We ponder the connections between Christian Pentecost and Jewish Shavuot, both commemorating the establishment of a new relationship with God following an act of dramatic liberation. We notice the democratization of the Holy Spirit in this text, which pours out on all people, so that everyone—young and old, male and female, rich and poor, of all languages and cultures—become prophets and visionaries of the kingdom of God. And we linger over the idea that the Spirit brings not only cataclysmic change to the world but also a deep peace that passes understanding, inviting us to engage the world with gentleness even as God's kingdom is breaking into the world.

Holding a significant portion of your wealth in one or a handful of individual stocks can be both exhilarating and nerve-wracking. While the rewards of watching a single company's meteoric rise can be life-changing, the risks of a lack of diversification are just as great. The problem is that liquidating these positions often means getting hit with daunting tax bills. We walk through practical solutions and the new tools now available to investors seeking diversification without immediate tax consequences.  The Real Risk of Concentration It's tempting to simply hang onto a winning stock, postponing taxes until you're in a lower bracket or retired. But over 90% of stocks underperform the market long term. Individual company fortunes can change abruptly—think Enron, Lehman Brothers, or stock collapses from $50 to $0.50. Banking your whole plan on one company's continued success is a risk that can jeopardize even the soundest of financial plans. Taking calculated steps to shift your assets, even if taxes are due eventually, is often essential for long-term stability. Modern Options for Tackling Concentrated Stock Technology and innovation in the investment industry are opening doors once reserved for the ultra-wealthy. Here are four tax-deferral solutions we discuss: 1. Exchange Funds Exchange funds allow investors to pool their highly appreciated stocks with others, resulting in a diversified basket—often 20–30 stocks. You maintain your original cost basis, and after a 7-year lock-up period, you can access a more diversified portfolio. There are usually high entry minimums ($250,000–$500,000) and the investor must be an accredited. It requires a long holding period and comes with added complexity, costs, and delayed K-1 tax forms. At the end, you still owe taxes if you sell, but you've reduced single-stock risk. 2. Section 351 Funds If you hold several different stocks or even ETFs that no longer fit your strategy, Section 351 exchanges allow you to transfer them into a new, broadly diversified fund with tax deferral. This is similar in spirit to a 1031 real estate exchange but designed for securities. This option gives you flexibility, but it only works with publicly traded investments in taxable (not retirement) accounts 3. Separately Managed Accounts (SMAs) SMAs have become popular for allowing greater customization. In an SMA, instead of owning an index fund, you hold the constituent stocks directly—allowing for tax loss harvesting and the exclusion of specific stocks. This offers personalized values-based investing but creates more complex tax reporting and can create complications for you and your CPA. 4. Tax Aware Long/Short Strategies Recently popular but highly complex, these leverage SMAs and add a long/short overlay, aiming to maximize loss harvesting regardless of overall market conditions. This uses leverage and shorting, increasing risk and management costs. It gives greater potential for tax loss harvesting, but introduces tracking error and liquidity constraints. This is best for specific, high-need scenarios.    Keep Your Broader Plan in Mind Always return to your broader financial plan. Look at that accumulated stock position in the context of your overall financial plan and everything else that's happening in your goals and life. These tactics are tools, not silver bullets. Sometimes, the simplest (if less glamorous) move—selling, paying taxes, and reinvesting—might be your best decision. Concentrated stock positions can be both an opportunity and a source of anxiety. Before chasing the latest "shiny object," evaluate your situation with the help of an advisor. Find the approach that aligns with your risk, liquidity needs, and long-term goals. Sometimes, boring really is better—for both your taxes and your sleep. Outline of This Episode 00:00 Discussing tax deferral options 03:42 Risks of relying on stocks 09:14 Evaluating stock donation options 12:49 Explaining Section 351 funds 14:29 Using ETFs for tax deferral 18:24 Considering life changes for tax planning 21:57 Evaluating investment advice sources   Resources & People Mentioned The Retirement Podcast Network   Connect With Chad and Mike https://www.financialsymmetry.com/podcast-archive/  Connect on Twitter @csmithraleigh @TeamFSINC Follow Financial Symmetry on Facebook   Subscribe To This Podcast   Apple Podcasts Stitcher Google Play  

Damian Bush felt fit, coached footy, hit the gym, and weighed 80kg. Then a routine check found his resting heart rate sitting at 137 and he was in emergency heart surgery the next day.Damian has been a Jim's Mowing franchisee in Tasmania for nearly 10 years and supports the Tassie network alongside running his own crew. He joins Joel on the Jim's Mowing podcast to share the health scare that nearly took him out, and the business systems that kept his income running while he recovered.The conversation covers why franchisees service their machines but neglect themselves, the income protection gap most operators have no idea about, and how Damian turned every Tasmanian customer into a fortnightly retainer across all four seasons. Damian also breaks down the personal brand standards he runs his business by, how one local franchisee got 18 five-star Google reviews in two weeks, and why sponsoring local sport teams and raffle prizes still outperforms digital ads for long-term franchisees.If you run a service business or you are looking at a Jim's franchise, this one is worth your time.0:00 Diversifying services and winter upsells0:45 Meet Damian Bush, Tasmania franchisee1:10 The health scare that changed everything3:14 A resting heart rate of 137 with no symptoms6:23 Why franchisees skip their own check-ups9:25 Income protection and personal cover12:11 Diversifying into a full-garden retainer model14:24 How to get off Jim's leads and build referrals19:07 Personal brand standards every franchisee needs22:30 Setting your own non-negotiable standards24:34 Upselling, networking, and Google My Business33:00 Why one franchisee gets requested by name38:16 The 30 doors a day local marketing tactic40:21 Sponsoring sport teams and raffle prizes46:31 Building referrals through community trust

Stuttering occurs in every culture with a spoken language. So why do many communities treat it as a source of shame? Two speech-language pathologists and a comedian help Anita question cultural assumptions about stuttering and explore the growing movement to embrace speech diversity.Meet the guests:- Dr. Derek Daniels, licensed and certified speech-language pathologist and associate professor in the department of Communication Sciences and Disorders at Wayne State University, shares his own experience of stuttering and what we know about what causes stuttering- Jia Bin, doctoral student at Michigan State University, talks about growing up in rural China with a stutter and what she's hoping to bring back to the stuttering community there- Nina G, comedian and author of "Stutterer, Interrupted: The Comedian Who Almost Didn't Happen," explains why she decided to embrace her dream of doing stand-up and shares how her stuttering has impacted romantic and platonic relationshipsDig Deeper:Follow Nina G's comedy on InstagramJia on stuttering as a superpowerStuttering content on YouTube by Courtland Crain and Matice AhnjamineNational Stuttering Association websiteRead the transcript | Review the podcast on your preferred platformFollow Embodied on Instagram Leave a message for EmbodiedPlease note: This episode originally published March 31, 2023.Updates: You can learn more about Jia's work at the Spartan Stuttering Lab here. You can learn more about National Stuttering Awareness Week here. Nina G is in the midst of the making the comedy docu-special: Comedians with Disabilities Act: Going Beyond The Punchlines. 

Another fun Q&A in the books - answering some of the q's I got on IG in the past couple weeks. Topics discussed:-Why does creatine cause water retention?-Best way to get rid of cellulite?-How to lose weight as a chronic yo-yo dieter.. is your metabolism really 'broken'?-Importance of diversifying different fat sources.-How to lose the last 5 lbs + so many side tangents in-between as always lol.Where to find me:IG: @lukesmithrdCheck out my website HEREFill out a coaching application HERETIA for listening!!

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kurt Farquhar. Television & Film Composer, Founder of Fall Crop Productions and True Music ProNotable Credits: The King of Queens, Girlfriends, The Parkers, Being Mary Jane, The Proud Family, The Neighborhood, Black LightningAwards: 10 BMI AwardsTenure: 38+ years in television Purpose of the Interview The purpose of this interview is to educate and inspire creatives, entrepreneurs, and professionals about longevity, adaptability, and wealth-building behind the scenes. Kurt Farquhar’s journey highlights how sustainable success comes from mastery of craft, relationship-building, and treating creativity as a business—not chasing visibility or fame. Rushion McDonald uses Kurt’s career as a blueprint for: Building mailbox money through residuals Staying relevant across decades of industry change Monetizing intellectual property Leveraging relationships to sustain opportunity Core Themes Discussed Longevity vs. “getting on” Behind-the-scenes success Residual income (“mailbox money”) Adaptability in changing industries Creative originality Relationship capital Diversifying income through ownership Treating art like a business Key Takeaways 1. Staying In Is Harder Than Getting In While many focus on breaking into the industry, Kurt emphasizes that lasting success requires constant reinvention. “The continuing it for the 30-plus years has been way harder than the getting in in the first.” Insight: Longevity requires discipline, humility, and evolution. 2. Behind-the-Scenes Roles Can Be More Sustainable Kurt chose composing over performing, allowing him to age into his career rather than age out of it. “In television and film… all I’ve got to say is John Williams is in his 90s and still composing.” Insight: Choose lanes that allow long-term relevance and recurring income. 3. Residual Income Is Real Wealth Rushion and Kurt discuss “mailbox money”—recurring payments from past work. “If you just had the mailbox money for King of Queens, you’d be fine.” Insight: True financial freedom comes from owning work that keeps paying. 4. Adaptability Is Non‑Negotiable Kurt has survived massive industry shifts—from analog tape to digital production—by embracing change. “Sustain that good idea, change it, polish it up, and mold it for the changing times.” Insight: Talent without adaptability becomes obsolete. 5. Originality Comes From Listening, Not Forcing a Style Kurt avoids creative stagnation by serving the story, not his ego. “I don’t come in every day trying to force the singular style I’ve done for 38 years.” Insight: Longevity depends on collaboration and humility. 6. Relationships Are Career Currency Kurt credits long-term success to consistently showing up for people—before they’re powerful. “If you only call someone once you read they’ve got something coming up, it’s already too late.” Insight: Relationships built without agenda produce lasting opportunity. 7. Saying “Yes” Creates Opportunity Kurt embraces what he calls the power of yes. “I figure I can say yes more than you and end up making more and doing better.” Insight: Opportunity favors those who remain open, prepared, and professional. 8. Ownership Multiplies Creativity Into Business Kurt built True Music Pro, a licensing library used across major networks and streaming platforms. “I realized companies were licensing more of my music than I was… so I built my own library.” Insight: Ownership turns talent into scalable income. Notable Quotes “The journey to stay in is harder than the journey to get in.” “Treat it like a business and it might treat you in kind.” “I do my job, I do it the best I can, and I move on to the next one.” “Character is character. Relationships matter.” “That success doesn’t happen by accident. It happens with care.” Overall Impact of the Interview This interview serves as a masterclass on creative longevity and wealth-building without celebrity dependency. Kurt Farquhar’s story reframes success as: Consistent excellence Relationship stewardship Business ownership Adaptability across generations It is especially powerful for: Creatives seeking sustainable careers Entrepreneurs building IP-based businesses Professionals navigating long-term relevance Anyone pursuing “quiet wealth” over public fame #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kurt Farquhar. Television & Film Composer, Founder of Fall Crop Productions and True Music ProNotable Credits: The King of Queens, Girlfriends, The Parkers, Being Mary Jane, The Proud Family, The Neighborhood, Black LightningAwards: 10 BMI AwardsTenure: 38+ years in television Purpose of the Interview The purpose of this interview is to educate and inspire creatives, entrepreneurs, and professionals about longevity, adaptability, and wealth-building behind the scenes. Kurt Farquhar’s journey highlights how sustainable success comes from mastery of craft, relationship-building, and treating creativity as a business—not chasing visibility or fame. Rushion McDonald uses Kurt’s career as a blueprint for: Building mailbox money through residuals Staying relevant across decades of industry change Monetizing intellectual property Leveraging relationships to sustain opportunity Core Themes Discussed Longevity vs. “getting on” Behind-the-scenes success Residual income (“mailbox money”) Adaptability in changing industries Creative originality Relationship capital Diversifying income through ownership Treating art like a business Key Takeaways 1. Staying In Is Harder Than Getting In While many focus on breaking into the industry, Kurt emphasizes that lasting success requires constant reinvention. “The continuing it for the 30-plus years has been way harder than the getting in in the first.” Insight: Longevity requires discipline, humility, and evolution. 2. Behind-the-Scenes Roles Can Be More Sustainable Kurt chose composing over performing, allowing him to age into his career rather than age out of it. “In television and film… all I’ve got to say is John Williams is in his 90s and still composing.” Insight: Choose lanes that allow long-term relevance and recurring income. 3. Residual Income Is Real Wealth Rushion and Kurt discuss “mailbox money”—recurring payments from past work. “If you just had the mailbox money for King of Queens, you’d be fine.” Insight: True financial freedom comes from owning work that keeps paying. 4. Adaptability Is Non‑Negotiable Kurt has survived massive industry shifts—from analog tape to digital production—by embracing change. “Sustain that good idea, change it, polish it up, and mold it for the changing times.” Insight: Talent without adaptability becomes obsolete. 5. Originality Comes From Listening, Not Forcing a Style Kurt avoids creative stagnation by serving the story, not his ego. “I don’t come in every day trying to force the singular style I’ve done for 38 years.” Insight: Longevity depends on collaboration and humility. 6. Relationships Are Career Currency Kurt credits long-term success to consistently showing up for people—before they’re powerful. “If you only call someone once you read they’ve got something coming up, it’s already too late.” Insight: Relationships built without agenda produce lasting opportunity. 7. Saying “Yes” Creates Opportunity Kurt embraces what he calls the power of yes. “I figure I can say yes more than you and end up making more and doing better.” Insight: Opportunity favors those who remain open, prepared, and professional. 8. Ownership Multiplies Creativity Into Business Kurt built True Music Pro, a licensing library used across major networks and streaming platforms. “I realized companies were licensing more of my music than I was… so I built my own library.” Insight: Ownership turns talent into scalable income. Notable Quotes “The journey to stay in is harder than the journey to get in.” “Treat it like a business and it might treat you in kind.” “I do my job, I do it the best I can, and I move on to the next one.” “Character is character. Relationships matter.” “That success doesn’t happen by accident. It happens with care.” Overall Impact of the Interview This interview serves as a masterclass on creative longevity and wealth-building without celebrity dependency. Kurt Farquhar’s story reframes success as: Consistent excellence Relationship stewardship Business ownership Adaptability across generations It is especially powerful for: Creatives seeking sustainable careers Entrepreneurs building IP-based businesses Professionals navigating long-term relevance Anyone pursuing “quiet wealth” over public fame #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kurt Farquhar. Television & Film Composer, Founder of Fall Crop Productions and True Music ProNotable Credits: The King of Queens, Girlfriends, The Parkers, Being Mary Jane, The Proud Family, The Neighborhood, Black LightningAwards: 10 BMI AwardsTenure: 38+ years in television Purpose of the Interview The purpose of this interview is to educate and inspire creatives, entrepreneurs, and professionals about longevity, adaptability, and wealth-building behind the scenes. Kurt Farquhar’s journey highlights how sustainable success comes from mastery of craft, relationship-building, and treating creativity as a business—not chasing visibility or fame. Rushion McDonald uses Kurt’s career as a blueprint for: Building mailbox money through residuals Staying relevant across decades of industry change Monetizing intellectual property Leveraging relationships to sustain opportunity Core Themes Discussed Longevity vs. “getting on” Behind-the-scenes success Residual income (“mailbox money”) Adaptability in changing industries Creative originality Relationship capital Diversifying income through ownership Treating art like a business Key Takeaways 1. Staying In Is Harder Than Getting In While many focus on breaking into the industry, Kurt emphasizes that lasting success requires constant reinvention. “The continuing it for the 30-plus years has been way harder than the getting in in the first.” Insight: Longevity requires discipline, humility, and evolution. 2. Behind-the-Scenes Roles Can Be More Sustainable Kurt chose composing over performing, allowing him to age into his career rather than age out of it. “In television and film… all I’ve got to say is John Williams is in his 90s and still composing.” Insight: Choose lanes that allow long-term relevance and recurring income. 3. Residual Income Is Real Wealth Rushion and Kurt discuss “mailbox money”—recurring payments from past work. “If you just had the mailbox money for King of Queens, you’d be fine.” Insight: True financial freedom comes from owning work that keeps paying. 4. Adaptability Is Non‑Negotiable Kurt has survived massive industry shifts—from analog tape to digital production—by embracing change. “Sustain that good idea, change it, polish it up, and mold it for the changing times.” Insight: Talent without adaptability becomes obsolete. 5. Originality Comes From Listening, Not Forcing a Style Kurt avoids creative stagnation by serving the story, not his ego. “I don’t come in every day trying to force the singular style I’ve done for 38 years.” Insight: Longevity depends on collaboration and humility. 6. Relationships Are Career Currency Kurt credits long-term success to consistently showing up for people—before they’re powerful. “If you only call someone once you read they’ve got something coming up, it’s already too late.” Insight: Relationships built without agenda produce lasting opportunity. 7. Saying “Yes” Creates Opportunity Kurt embraces what he calls the power of yes. “I figure I can say yes more than you and end up making more and doing better.” Insight: Opportunity favors those who remain open, prepared, and professional. 8. Ownership Multiplies Creativity Into Business Kurt built True Music Pro, a licensing library used across major networks and streaming platforms. “I realized companies were licensing more of my music than I was… so I built my own library.” Insight: Ownership turns talent into scalable income. Notable Quotes “The journey to stay in is harder than the journey to get in.” “Treat it like a business and it might treat you in kind.” “I do my job, I do it the best I can, and I move on to the next one.” “Character is character. Relationships matter.” “That success doesn’t happen by accident. It happens with care.” Overall Impact of the Interview This interview serves as a masterclass on creative longevity and wealth-building without celebrity dependency. Kurt Farquhar’s story reframes success as: Consistent excellence Relationship stewardship Business ownership Adaptability across generations It is especially powerful for: Creatives seeking sustainable careers Entrepreneurs building IP-based businesses Professionals navigating long-term relevance Anyone pursuing “quiet wealth” over public fame #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Careers in technology change as professionals move into their 40s and 50s. Early in a tech career, rapid change feels exciting. New tools, companies, and opportunities create momentum. Over time that same pace can begin to feel heavy. Many professionals start asking different questions. They wonder how long their skills will stay valuable, whether companies will continue to seek their experience, and what happens financially if their career path becomes less predictable. We explain that most of these concerns are not panic. Instead they reflect awareness of how quickly the tech industry evolves. People working in technology understand change better than most, because they help create it. Financial planning helps turn that uncertainty into flexibility. When finances are strong and organized, career changes become something to manage rather than something threatening. We start by discussing the importance of understanding real spending. Many people track their savings but have not translated those savings into the cost of living their current lifestyle. We talk about separating fixed expenses such as housing and insurance from flexible spending like travel and lifestyle upgrades. Once those numbers are clear, financial scenarios become possible. We can evaluate what happens if someone works until age 60, if income drops earlier, or if someone transitions into consulting or advisory work. We also explore how tech compensation often peaks earlier than in other industries. Many professionals reach their highest earning years in their late 30s or 40s. That means the window for building wealth is compressed. These years become critical for maximizing retirement contributions and building taxable investments. Without a plan, rising income can lead to rising expenses and long term financial commitments that reduce flexibility later. Equity compensation is another major topic. Stock grants, options, and employee stock purchase plans can become powerful wealth builders. However they also introduce concentration risk because income, career stability, and investments may all depend on the same company. Diversifying over time becomes an important part of reducing that risk. Yes, we also address the role of artificial intelligence in shaping tech careers. Historically, new technology changes work more than it eliminates it. Skills like judgment, leadership, and communication often become more valuable as automation increases. Financial planning therefore focuses on building resilience through strong savings, diversified investments, and liquidity that supports career transitions. Finally we discuss the emotional side of mid career decisions. Many professionals feel trapped by high salaries and demanding roles. With proper planning, people often discover they need less peak income than they assumed. Their investments may already support future goals. That realization can create options such as consulting, semi retirement, or less stressful roles. Financial planning ultimately helps people see the full picture and build flexibility for the many stages of life. (00:00) Intro and topic: aging gracefully in tech (00:07) Why mid-career questions change in tech (00:58) Why tech professionals worry about staying relevant (02:34) How to know if you're financially prepared for career shifts (04:33) Why peak earnings arrive earlier in tech (06:26) Equity compensation and concentration risk (09:17) AI and the future of tech careers (11:22) The emotional side: feeling stuck in a high-paying role (13:50) Financial “bridges” between life stages (16:09) Escaping the golden handcuffs with planning (17:17) Planning for the “predictability of unpredictableness” (18:02) How to contact Thimbleberry Financial To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

In this episode, Stacey Brown Randall shares her inspiring journey from business failures to becoming a trusted referral expert, emphasizing the importance of authenticity and intentional branding. Discover her tactics for building meaningful relationships, protecting your IP in the age of AI, and shifting the traditional mindset around referrals.   Key topics: Stacey's entrepreneurial journey: from failed startups to strategic branding The significance of being intentional about brand consistency, especially with signature colors How understanding your “why” fuels resilience through business setbacks Reevaluating success: shifting from financial milestones to personal fulfillment Practical strategies for generating referrals without asking Distinction between word-of-mouth, introductions, and true referrals How building relationships with referral sources differs from prospecting and marketing Adapting business models over time based on market shifts and personal life changes Protecting intellectual property in a rapidly evolving AI landscape The impact of consistent content like books and podcasts on long-term trust-building   Timestamps:   00:00 – Welcome & Stacey's background: from embarrassment to branding 02:07 – What others might say about Stacey at her kids' baseball game 03:29 – The importance of being on brand and intentional with style choices 04:34 – Stacey's book: Generating Business Referrals Without Asking & Referable Client Experience 05:49 – The pivotal moment: learning from her first business failure 06:46 – The evolution from corporate America back to entrepreneurship 07:16 – Why entrepreneurship is in her blood and the desire for control and freedom 08:32 – How Stacey's lifestyle aligns with her brand values 09:23 – Defining success beyond revenue: family, fulfillment, and authenticity 10:13 – The yearly reset ritual to realign goals and priorities 11:12 – How setbacks and life surprises shape her resilience and business approach 12:26 – The importance of understanding your true “why” 13:51 – Navigating businessduring life changes and market shifts 14:19 – Developing her core strategies: referrals, client experience, and new client acquisition 15:50 – Lessons from her first HR consulting firm & the value of scaling 16:47 – Why she returned to corporate America before launching her second business 17:13 – Recognizing opportunity in necessity & the power of strategic niche selection 18:55 – Building a productivity coaching business through genuine relationships 20:19 – Transitioning into her current focus: referral systems and relationship building 22:08 – Overcoming the early hype and misconceptions around referrals 23:29 – The three-legged stool approach: referrals as a separate, relationship-based pillar 24:54 – Humanizing referral conversations and avoiding gimmicks 26:16 – Tracking referral sources accurately and avoiding self-referrals 27:57 – Finding your niche and leveraging your personal network for referrals 29:26 – Creating scalable programs that meet clients where they are 30:56 – Adjusting business models based on market preferences 32:41 – Protecting your IP in a digital age & AI considerations 36:46 – Authentic connection strategies: permission, intentionality, and specificity 38:19 – The evolution of her business offerings & online vs. in-person strategies 41:23 – Teaching clients how to get referrals without asking directly 44:47 – Moving away from traditional “ask for referrals” tactics 47:31 – Reframing referrals as part of the core relationship-building process 49:35 – The “Go-Giver” mindset & serving genuinely for the long term results 51:52 – Strategic introductions & the importance of context & permission 54:36 – How true referrals differ from word-of-mouth buzz or accidental introductions 56:08 – The importance of data in understanding referral dynamics 57:23 – Overcoming objections to referral strategies and unlearning misconceptions 58:52 – The influence of books and podcasts on long-term trust-building 62:19 – Planning future content and strategic themes for ongoing growth 63:21 – The process of writing her latest book & foundational referral strategies 66:01 – Combining book, podcast, and relationship-building for sustained growth 67:32 – Diversifying client acquisition channels to reduce risk 68:22 – The “why” behind her entrepreneurial drive: from freedom to meaningful impact 70:49 – Lessons from setbacks: blessings in disguise and resilience 73:00 – Protecting your business in the AI era: authentic human connection matters 76:21 – Ensuring confidentiality & IP protection in today's digital world 77:55 – The future of AI: leveraging tools without compromising core values 78:48 – The irreplaceable role of human emotion & intuition 79:33 – Final thoughts & how to connect with Stacey   Resources & Links: Generating Business Referrals Without Asking by Stacey Brown Randall Referable Client Experience by Stacey Brown Randall Roadmap to Referrals Podcast Stacey Brown Randall on LinkedIn Stacey's Website

Feast-or-famine income is not just stressful and straight-up anxiety-inducing; it can quietly sabotage your creativity, decision-making, and confidence.In this episode, we unpack why the usual “just add more income streams” advice often backfires for creatives, and what to do instead.You'll learn how to stabilize your business without scattering your focus: how to diagnose what creates volatility, choose complementary revenue streams that reinforce your core work, and build a simple financial system that keeps you calm during lean months.We also cover how to leverage your existing client base and past work into more reliable, repeatable income.If money has felt unpredictable lately, this is your reset: less panic, more plan, and a business that can breathe.

Are you feeling anxious about your career as the economic landscape shifts beneath your feet?Do you find yourself wondering whether you're doing enough to protect the career you've worked so hard to build?Are you curious about what it actually looks like to take back control of your professional future - without waiting for someone else to hand it to you?In this episode, I share exactly how to build your career safety net in uncertain times. I explore why self-awareness is your most underrated professional asset, how to diversify both your income and your impact, and why taking small, strategic steps right now matters far more than waiting for the perfect moment.Economic uncertainty has a way of making us feel reactive - like things are happening to us rather than for us. But the truth is, you have more agency than you think. When you get clear on what you truly want, seek the right support, and start moving - even incrementally - everything begins to shift. You don't have to wait for a crisis to start building something more secure.What you'll learn:Clarity before action: How to identify what you truly want from your career and pinpoint the gaps standing between you and it.The power of the right support: Why seeking out a coach or mentor - and doing your due diligence to find the right one -can be a career-changing decision.Diversifying your income and impact: Practical strategies to expand your professional reach beyond your current role, without burning everything down to do it."You are the CEO of your career. Don't wait for someone else to build your safety net — build it yourself."Send us Fan MailInvest in Yourself and Your Career:Community — Join our Network for mid-career women redesigning what's next in their careersCoaching — Join the Waitlist for The Portfolio Career Academy. Turn Your Expertise Into Multiple Streams of Income & Impact Through Building A Portfolio Career. Join The Waitlist Connect with me!Website: careerchangemakers.comEmail: podcast@careerchangemakers.comLinkedIn:  Janine EsbrandInstagram: @careerchangemakerspodcastCareer Change Makers on Apple Podcasts

Sylvia Jablonski says record highs in the S&P 500 and Nasdaq are masking rising volatility, making diversification beyond the Magnificent Seven increasingly important. She points to AI infrastructure and energy as key growth areas, highlighting ETFs like XMG and JEDI as geopolitics and defense spending reshape where AI monetization is heading.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

"People feel heard when they're spoken with."In this episode, Gerry shares insights on navigating workplace challenges in 2025, attracting and retaining top talent, and leadership lessons from his entrepreneurial journey. Discover strategies for diversifying your client portfolio, building a strong company culture, and improving hiring processes.As You Listen: 00:00 The Importance of Communication in the Workplace 01:18 Navigating Uncertainty in Business 04:38 Strategies for Attracting and Retaining Talent 08:27 Understanding Company Culture 09:54 Lessons from Entrepreneurship 11:58 Future Goals and Aspirations 13:40 Leadership Insights and Engagement Strategies 15:21 Podcasting and Sharing Knowledge"Uncertainty is a mosaic, not a portrait.""Stop talking and start listening to improve engagement."

I’ll take you to a farm that constantly looks at the diversity of crops and markets to find the best combination to develop and maintain strong revenue streams. It’s a method of farming that led this farmer to be named the Top Producer Woman in Agriculture Award Winer. See omnystudio.com/listener for privacy information.

Lisa Kissing Kucek shares her expertise on developing sustainable, high-performing cover crop varieties like hairy vetch, cereal rye, and other legumes, transforming agricultural systems for long-term soil health and productivity. Lisa and Monte discuss the innovative world of cover crop breeding, biological nitrogen fixation, and the unique challenges and opportunities in microbial and plant genetics. This episode highlights the groundbreaking efforts in seed domestication, trait selection, and sustainable crop management, offering actionable insights for farmers, researchers, and agribusinesses looking to innovate in cover cropping and rotational systems. Stay tuned for upcoming variety releases and continued progress in crop genetics! Timestamp Highlights: 0:00:00 - Cover crop innovations in almond orchards and Midwest grazing opportunities 0:04:33 - Dr. Kissing Kucek's background in soil conservation and her shift to plant breeding 0:05:49 - The significance of variety differences in cover crops: biomass, nitrogen fixation, weed suppression 0:08:35 - Developing nitrogen-fixing legumes like hairy vetch amidst rising fertilizer costs 0:10:28 - Harry Vetch: a star in biological nitrogen fixation with high biomass and winter survival 0:12:23 - Challenges in domestication: reducing seed shattering and seed dormancy in hairy vetch 0:14:48 - Addressing toxicity concerns in vetch and balancing its role as livestock feed 0:16:18 - Effects of frost, freeze-thaw cycles, and environment on overwintering success of legumes 0:18:06 - Differentiating true hairy vetch from similar species for improved breeding outcomes 0 ;20:01 - The impact of variety origin and seed source on winter survival and adaptability 0:25:52 - Biomass and nitrogen response correlations in breeding programs 0:28:00 - Tools for estimating nitrogen contribution from cover crops 0:31:46 - Advances in shatter resistance and seed cost reduction in vetch breeding 0:36:53 - The role of genetic diversity and selection in rye and vetch adaptation over time 0:44:35 - Diversifying rye with different flowering times for forage, cover cropping, and allelopathic traits 0:51:33 - How seed mixing and diversity within seed bags drive adaptability of rye and vetch 0:55:10 - The unique breeding strategies required for interspecific hybrids like triticale 0:58:38 - Relay cropping and intercropping legumes with cereals for organic systems 0:60:45 - Upcoming cover crop variety releases by the Cover Crop Breeding Network (CCB) 0:62:15 - The long-term vision of plant breeders and the importance of perseverance in genetic improvement Resources & Links: Cover Crop Breeding Network (CCB): https://www.covercropbreeding.com/ Nitrogen Estimator Tool: https://covercrop-ncalc.org North Carolina State University Allelopathy Screening: https://acsess.onlinelibrary.wiley.com/doi/abs/10.1002/csc2.70275 Hairy Vetch Research: https://www.researchgate.net/publication/339657710_Pod_Dehiscence_in_Hairy_Vetch_Vicia_villosa_Roth About our Guest: Lisa Kissing Kucek is a Research Geneticist with the United States Department of Agriculture Dairy Forage Research Center in Madison, Wisconsin. As part of the Cover Crop Breeding Network, Lisa improves cover crops, including cereal rye, hairy vetch, winter pea, and crimson clover. She worked alongside farmers, bakers, and chefs to develop wheat varieties for organic and local food systems during her doctoral research at Cornell University.

In this episode, we jumped straight into a conversation that has been coming up constantly from your questions and DMs after our recent finance episodes together.   In this episode we're talking about: Why your home is a liability, not an asset — and what that actually means for your retirement The only real ways to access equity in your home (hint: none of them are as simple as people think) The 4% rule and why it's not as bulletproof as it sounds — especially when the market drops Why paying your mortgage weekly (not monthly) can save you thousands in interest over time The real cost of owning a home that most people never factor in — property taxes, maintenance, improvements, and yes, even perennials Why real estate investing isn't the passive income goldmine it once was The difference between building wealth as an employee vs. as a self-employed person Diversifying your portfolio beyond real estate — second mortgages, private equity, RRSPs, TFSAs Why your health and your wealth are completely interconnected — you cannot have one without the other The reality of senior care costs and why planning ahead (way ahead) matters more than you think What it looks like to actually get paid to learn about finances and help others — and why so many people from every walk of life are making the switch Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERESpotify – CLICK HERE This episode is sponsored by: withinUs | Use the code JENNPIKE20 at withinus.ca for a limited time to save 20% off your first order and 20% off your first subscription order St. Francis | Go to stfrancisherbfarm.com and save 15% off your all your orders with code JENNPIKE15  Eversio Wellness | Go to eversiowellness.com/discount/jennpike15 and save 15% off every order with code JENNPIKE15 /// not available for "subscribe & save" option Free Resources: Free Perimenopause Support Guide | jennpike.com/perimenopausesupport Free Blood Work Guide | jennpike.com/bloodworkguide The Simplicity Sessions Podcast | jennpike.com/podcast Get 20% on thewalkingpad.com using code "JENNPIKE20" Get discounts at happybumco.com using code "JENNPIKE" *code doesn't apply with Black Friday sale* Programs: Ignite: Your 8-Week Body Transformation Program | https://jennpike.com/ignite The Peri & Menopause Project  - Join the Waitlist | jennpike.com/theperimenopauseproject Synced Virtual Fitness Studio | jennpike.com/synced Services: Work With Jenn | https://jennpike.com/work-with-jenn/ Functional Testing | jennpike.com/testing-packages Business Mentorship | The Audacious Woman Mentorship:  jennpike.com/theaudaciouswoman Connect with Chris: Instagram | @chrisborsellino Finance Discovery Session | Book Here   Connect with Jenn: Instagram | @jennpike Facebook | @thesimplicityproject YouTube | Simplicity TV Website | The Simplicity Project Inc. Have a question? Send it over to hello@jennpike.com and I'll do my best to share helpful insights, thoughts and advice.

Most people are taught to never put all their eggs in one basket, yet they keep 100 percent of their wealth in the stock market. Kris Krohn talks with new partners Stephanie and Alan about their journey from traditional investing to real estate diversification. Discover why hard assets provide a sense of balance and responsibility that paper assets simply cannot match.

If your clients want answers from today's headlines, how do you give them clarity that still makes sense 5–10 years from now? In this episode of The Registered Investment Advisor Podcast, host Seth Greene interviews Nathaniel “Nat” Guild, founder and president of Apex Equity Research LLC, who discusses one of the most overlooked risks in modern portfolio building: hidden concentration risk. Nathaniel also explains why safeguarding against losses, rather than simply pursuing gains, is the real secret to long-term investing success. He further examines how passive strategies and the rapid growth of private and shadow assets are creating hidden structural risks that many advisors and clients fail to see.    Key Takeaways: → The most important factor in investing isn't maximizing returns; it's avoiding major drawdowns that can permanently impair capital. → Seven to ten stocks now dominate major indexes, meaning many “diversified” portfolios may be far more concentrated than advisors realize. → The rise of index funds combined with growth in private assets creates distortions that can amplify volatility and reduce true diversification. → Diversifying information intake is just as important as diversifying portfolios. → Short-term media narratives often distract from meaningful long-term risks.   Nathaniel “Nat” Guild is the founder and President of Apex Equity Research LLC, established in 2011 to provide rigorous investment research to financial institutions, fund managers, and fiduciaries seeking clarity in U.S. equities. Known for pinpointing critical risk factors that help long-term investors cut through market noise, Nat has advised some of the largest mutual and hedge funds in the industry. His previous firm, Short Alert, earned a Barron's cover story for exceptional performance, and his insights have appeared in Fortune, SmartMoney, and The Wall Street Journal. In May 2025, he launched Market Risks, a semi-monthly newsletter that breaks down complex financial data and global events into clear, actionable insights for disciplined investors.  Connect With Nathaniel: Website:  https://apex-equity-research.com/ LinkedIn: https://www.linkedin.com/in/nathaniel-guild-b583831/ Learn more about your ad choices. Visit megaphone.fm/adchoices

When ad costs spike and attribution gets messy, even the best marketing budgets can start to feel unreliable. In this episode, Optidge's own Joe Wolf and Alejandro Torres cut through the noise on marketing budget planning and ad spend forecasting: what the models look like, where most plans fall apart, and how to build one that holds up when platforms shift, and results lag.This episode lights a fire under a candid, lively discussion of the most complex client-facing problems marketers will encounter, using our own experiences as fuel. An Optidge Office Hours EpisodeOur Office Hours episodes are your go-to for details, case studies, how-to's, and advice on specific marketing topics. Join our fellow Optidge team members, partners, and sometimes even 1:1 teachings from Danny himself, in these shorter, marketing-focused episodes. Get ready to get marketing!Episode Highlights: The Optidge team shares that most clients arrive at budget conversations with a plan already in mind, and reveal that refining it is actually harder than building from scratch.One campaign example shared that a real estate client panicked when overall performance began to drop. Joe and Alejandro affirm that the problem isn't always the channel taking the blame and requires a broader analysis.The team shares insights into Optidge's cohort-based reporting, noting the changes in how you measure paid media success and how to use it to prevent knee-jerk decisions.Both Joe and Alejandro touch on the halo effect using real examples: store visits, YouTube demand lift, and self-reported attribution from intake forms.The conversation emphasizes that assuming every lead is equal is the most expensive mistake in budget planning, and that building unified dashboards and planning for the whole year helps to keep the big picture top-of-mind.Episode Links: Digital Marketing Mentor Podcast: Optidge.com/podcastODEO Academy: odeoacademy.comOptidge Paid Media Services: Optidge.com/paid-mediaEpisode 050: Debunking, Diversifying, and Diving into the Data of Paid Social Ads with Joseph Wolf (Office Hours) Episode 067: The Superpowers of Effective PPC Budget Management and Pacing with Alejandro Torres (Office Hours) Send us Fan MailFollow The Digital Marketing Mentor:Website and Blog: thedmmentor.comInstagram: @thedmmentorLinkedin: @thedmmentorYouTube: @thedmmentorInterested in Digital Marketing Services, Careers, or Courses? Check out more from the TDMM Family:Optidge.com - Full Service Digital Marketing Agency specializing in SEO, PPC, Paid Social, and Lead Generation efforts for established B2C and B2B businesses and organizations.ODEOacademy.com - Digital Marketing online education and course platform. ODEO gives you solid digital marketing knowledge to launch/boost your career or understand your business's digital marketing strategy.

Sitting in a field of Black Angus cows, I chat with Mark Gubbins, managing Director of Gubbins of Coolana. Mark's operation involves commercial beef and sheep, spanning Victoria and South Australia. Mark's family has been involved in farming since the early 1900s. We discuss everything from the impact of high fuel prices to diversifying farming operations interstate, succession and on-farm innovation. The below are topics with timestamps for your convenience: - The origin story of Mark's family farm since the 1930s (0:33) - Fuel shortages and rural availability in mid-March (2:27) - Switching from specialised breeding to commercial beef (4:00) - Key takeaways on succession in farming (5:55) - Diversifying farming operations interstate (7:00) - Farmers rebuilding their livestock herds after a dry run (8:15) - Advice to younger farmers on adopting innovation (9:30) P.S this video was recorded on 18 March.

In this episode, Jeff Mains sits down with Stanley Leong — former IBM/Agilent engineer turned bestselling author and private wealth advisor — to explore what it truly means to engineer your finances. Stanley brings his analytical, systems-driven engineering background to personal wealth building, and the result is a refreshingly practical framework for tech founders and high-income professionals who are great at running businesses but often treat their personal finances as an afterthought.Stanley shares how getting laid off the day after buying his first house sent him on an unexpected 20-year journey into financial planning. He explains why concentration risk (too much wealth in one stock or one company) is the #1 mistake he sees among tech professionals, why investment management is really risk management, and how the key question every investor should ask first is "What if I'm wrong?" The conversation also dives deep into underutilized tax strategies — including the Mega Backdoor Roth and the HSA as a stealth retirement account — and wraps with a powerful discussion on aligning money with purpose and preparing emotionally for life after a liquidity event.Key Takeaways4:10 — From Chips to Cashflow: Stanley's Origin Story Stanley was laid off the day after buying his first house. Frustrated by conflicting advice and no clear answers, he pivoted from engineering to financial planning — and discovered he could serve others facing the same confusion.7:24 — What "Engineering Your Finances" Actually Means Stanley applies the same systematic, process-oriented thinking he used as an engineer to personal finance. His "Wealth Focus Model" structures client meetings around specific, scheduled topics — goal tracking, protection planning, taxes, and investment strategy.9:02 — Concentration Risk: The #1 Mistake Tech Founders Make Too much net worth tied up in a single stock, employer equity, or your own company is the most common and dangerous financial mistake. Tech founders are especially vulnerable — success can quietly become massive exposure.15:19 — How to Think About When to Diversify Start with your goal (e.g., retire at 60), work backward to determine how much you need to set aside in diversified investments, and then let the rest work harder in higher-risk/higher-reward vehicles. This keeps you on track even if the concentrated bet doesn't pay off.17:10 — Investment Management Is Really Risk Management Most people think investing is about making money. Stanley reframes it: the job is to manage risk first, then optimize returns. That mindset shift is what separates investors from gamblers.18:10 — The Investor's First Question: "What If I'm Wrong?" Before committing capital to anything, ask what happens if the investment doesn't go your way — and whether you can live with that outcome. Gamblers ask "How much can I make?" Investors ask "What's the downside?"20:34 — Tax Diversification: Build Three Buckets Prepare for an uncertain tax future by spreading wealth across three types of accounts: pre-tax (traditional 401k), after-tax Roth (tax-free growth and withdrawals), and taxable brokerage. Having optionality across tax buckets is just as important as investment diversification.22:44 — The Mega Backdoor Roth: A Largely Unknown Strategy High earners who can't contribute directly to a Roth IRA can use a little-known third 401k contribution type — after-tax contributions — to funnel an additional $20–40K/year into a Roth position. The key: don't forget to actually convert the after-tax contributions to Roth.27:45 — The HSA: The Most Tax-Efficient Account Nobody Maxes Out The Health Savings Account beats every other tax-advantaged vehicle: pre-tax contributions, tax-deferred growth, and tax-free withdrawals. The strategy: don't use it for current healthcare costs — let it grow, save your receipts, and reimburse yourself decades later tax-free.32:44 — The Retirement Tax Window Many Miss Many high earners experience a brief "tax valley" in early retirement — income drops before RMDs and Social Security kick in. Use that window to convert pre-tax retirement accounts to Roth at a very low (sometimes 0%) rate before required minimum distributions force higher taxes.36:19 — Money Without Purpose Has No Value Stanley's first question to every new client: "What is the purpose of this money?" Clear goals — not just "retire someday," but where, with whom, doing what — make risk evaluation real and decisions intentional.39:10 — Life After a Liquidity Event: The Emotional Preparation The financial transition is only part of the story. Founders who retire or exit without a clear vision for what comes next often struggle. Start forming that post-exit identity before the event — read, talk to others, explore — so you're moving toward something, not just away from work.42:17 — Financial Independence ≠ Retirement The better framing is "financial independence" — the freedom to work on your own terms. One of Stanley's clients realized he loved his job the moment he knew he didn't have to be there anymore. The ability to walk away is sometimes more valuable than walking away.Tweetable Quotes"You should want to pay more capital gains tax than anyone you know — because that means you've made more money than anyone you know." — Stanley Leong"Investment management sounds cooler, but we're really risk managers. The focus on risk is what defines an investor versus a gambler." — Stanley Leong"A gambler's first question is 'How much money am I going to make?' A good investor's first question is always 'What if I'm wrong?'" — Stanley Leong"Money without purpose has no value." — Stanley Leong"Success can quietly turn into massive exposure. Diversification isn't about fear — it's about freedom." — Stanley Leong"Don't be afraid to pay capital gains tax. It means you made money. The more you pay, the more you made." — Stanley Leong"Financial independence doesn't mean you stop. It means you're still living your life — just maybe in a different way." — Stanley Leong"Start forming your post-retirement vision while you're still working — it's a lot easier to dream when you're not already in it." — Stanley LeongSaaS Leadership Lessons1. Engineer Your Systems, Not Just Your Product The same discipline you apply to software architecture belongs in your financial life. Build repeatable, scheduled processes around your wealth — don't wing it. A systematic approach to finances compounds over time just like good code.2. Concentration Is a Silent Risk As founders, your identity and your net worth are often tied to one thing: your company. That's a risk management problem, not a success story. The most dangerous financial position isn't losing — it's winning so much in one place that you forget you're exposed.3. Reframe Risk Before You Reach for Returns Before you invest in anything — a new product line, a strategic hire, a side bet — ask "What if I'm wrong?" Not just "What's the upside?" Embedding this question into your leadership culture protects the company as much as the balance sheet.4. Build Optionality Into Everything — Including Taxes High-growth founders often optimize for today's tax savings and ignore tomorrow's flexibility. Diversifying across tax buckets (pre-tax, Roth, taxable) gives you options in an unpredictable future. The same principle applies to your cap table, your customer base, and your revenue streams.5. Purpose Drives Better Decisions at Every Stage Vague goals produce vague results. Whether you're managing a P&L or a portfolio, specificity creates accountability. "Retire at 60 to travel Europe with my family" is a strategy. "Someday retire" is a wish. Build toward something concrete.6. Financial Independence Is a Better Goal Than Exit The most underrated outcome of building a great company isn't the exit — it's the freedom to choose. Many founders discover they love the work once they no longer have to do it. Design your financial life so you work because you want to, not because you have to.Guest ResourcesStan@engineeringyourfinancesbook.comwww.engineeringyourfinancesbook.comEpisode SponsorThe Futureproof Series - https://www.youtube.com/playlist?list=PLfkXKUPZ5xuOqMPR7_gzGybncTtavyR1NThe Captain's KeysSmall Fish, Big Pond – https://smallfishbigpond.com/ Use the promo code ‘SaaSFuel'Champion Leadership Group – https://championleadership.com/SaaS Fuel ResourcesWebsite - https://championleadership.com/Jeff Mains on LinkedIn -

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Join the Co-Investing Club and start building passive income through real estate: https://sparkrental.mykajabi.com/co-investing-club-sparkrental Every asset class looks frothy right now. The S&P 500 has had three straight years of outsized returns. Nvidia is up 721% in three years. Gold and silver are surging. Home prices hover near record highs. So where do you actually put your money? In this session, Brian and Deni break down how they personally invest in real estate when everything looks like a bubble… and why multifamily might be the exception. We cover: → → Why multifamily already had its crash (down 25-30% from 2022 peak) → The three biggest risks in real estate right now: recession, inflation and geopolitical uncertainty → How recessions are a double-edged sword (lower NOI but also lower interest rates and cap rates) → Recession-resilient strategies: property tax abatements, LIHTC properties and the Section 8 overhang loophole → Why Class B multifamily can actually benefit during downturns → How new multifamily supply is crashing (creating tailwinds for existing properties) → What the 2025 UBS Billionaire Survey says about where the ultra-wealthy are moving money → Dollar cost averaging into passive real estate ($5k at a time across 12+ deals per year) → Diversifying across geography, asset types, operators and investment timelines → Creating a bell curve of returns instead of betting everything on one deal → Real lessons from deals that went south (and how to vet lead sponsors vs. co-sponsors) Whether you're worried about a stock market correction or looking for alternatives to overpriced assets, this session walks through a practical framework for investing through uncertainty. New to passive real estate investing? Take our free course: https://sparkrental.com/free Questions? Email us: support@sparkrental.com #RealEstateInvesting #MultifamilyInvesting #PassiveRealEstate #RecessionProofInvesting #DollarCostAveraging #RealEstateSyndication #PassiveIncome #AssetAllocation #InvestmentDiversification #RealEstateRisk #LIHTC #Section8Investing #AlternativeInvestments #WealthBuilding #FinancialIndependence

If you want to build a diversified portfolio, you need to assemble assets that respond to different return drivers. Digital assets can play a central role. For starters, cryptocurrencies like bitcoin behave differently than traditional equities or commodities, giving portfolios exposure to unique sources of risk and return. And within the crypto universe, you can find coins, protocols, and equities that all behave differently under different market conditions. By investing in a wide range of digital assets you can potentially both mitigate risk and improve returns. This episode is sponsored by Coinbase.See omnystudio.com/listener for privacy information.

If you think real estate is the best way to build passive income… you might be missing a huge piece of the puzzle. In this episode of the Global Investors Podcast, Dr. Jason Balara breaks down the real difference between investing in multifamily real estate and acquiring small businesses — and why combining both could be the smarter strategy for long-term wealth. We go beyond the typical “passive income” narrative and talk about what actually happens when markets shift, cash flow slows down, and investors are forced to adapt. You'll learn: Why real estate cash flow is often slower than expected How small businesses can generate faster income The biggest mistake investors make with leverage and debt How to balance cash flow vs long-term appreciation What changed after interest rates disrupted the market How experienced investors really think about risk If you're trying to decide where to put your money, this conversation will challenge your assumptions. Learn More About Jason Here: Lark Capital Grouphttps://www.larkcapital.com/ Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/  

In this episode of Chamber Chat, host Brandon Burton speaks with Sheila Thomas, President and CEO of the Table Rock Lake Chamber of Commerce. They discuss the importance of diversifying programming to enhance economic development and tourism marketing. Sheila shares insights on the Chamber's operations, including their innovative Chamber University, which offers educational programming for members. They also explore non-dues revenue strategies, the implementation of a lodging tax, and the future of chambers in fostering community connections. Transcript and show notes found at this link. Please support this podcast by supporting our sponsors. Community Matters, Inc. chamberchatpodcast.com/podcast App My Community appmycommunity.com/chamberchat Resource Development Group rdgfundraising.com Econ Dev Ops econdevops.com Swypit chamberchatpodcast.com/cc

Ready to grow your clientele & revenue? Download "The 20 Client Generators" PDF now and get instant access to strategies that will fill your calendar with potential clients. No complicated tech, no lengthy processes—just real strategies that work. https://info.patrigsby.com/20-client-generators Do you want to stop chasing leads and start attracting them instead? Get Instant Access To The Weekly Client Machine For Just $5.00! https://patrigsby.com/weeklyclientmachine Get Your FREE Copy of Pat's Fitness Entrepreneur Handbook! https://patrigsby.com/feh  --- Diversify Your Marketing: Lessons from Thriving Small Businesses in Hawaii Pat Rigsby shares how a family trip to Hawaii became a reminder to diversify marketing after noticing that thriving small businesses like food trucks, restaurants, and shops used multiple channels to stay popular in a competitive tourist market. He observed they combined strong review profiles, active social media, website retargeting, ads, and local cross-promotions and alliances rather than relying on one tactic. Pat contrasts this with the fitness industry's subscription billing advantage, arguing gym owners should be even more motivated to "double dip" by using diverse marketing to acquire customers who can become long-term clients. He encourages consistently building reviews, doing grassroots local marketing, asking for referrals, and leveraging ad networks, especially for businesses over $10,000–$15,000 per month, to support growth toward higher revenue levels.   00:00 Why Diversify Marketing 00:10 Hawaii Trip Observations 01:05 How Local Businesses Win 01:50 Many Channels Working Together 02:49 Gyms and Subscription Advantage 04:12 Double Dip Customer Value 04:56 Non Negotiable Marketing Mix 05:43 Build Multiple Lead Streams 06:12 Competitive Market Takeaway

If you want to build a diversified portfolio, you need to assemble assets that respond to different return drivers. Digital assets can play a central role. For starters, cryptocurrencies like bitcoin behave differently than traditional equities or commodities, giving portfolios exposure to unique sources of risk and return. And within the crypto universe, you can find coins, protocols, and equities that all behave differently under different market conditions. By investing in a wide range of digital assets you can potentially both mitigate risk and improve returns. Our guests for this episode are: Omid Malekan - an author and an adjunct assistant professor at Columbia Business School where he teaches college students about crypto and blockchain. Cosmo Jiang - General Partner and Portfolio Manager with Pantera Capital, one of the earliest and most established investment firms focused exclusively on blockchain and digital assets. For more about this series visit us at:https://sponsored.bloomberg.com/media/coinbase/evolving-money

“Oil up, markets down” is the straightforward narrative, says Richard Yasenchak. The concern is how long it will last, and he argues for diversifying against “macro drivers” rather than sectors as we wait to see. He shares how his firm is strategizing within the funds that it offers, and highlights holdings like Lockheed Martin (LMT) and Palantir (PLTR). He also thinks Microsoft (MSFT) has become “more attractive” on its recent pullback. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

In this episode of The Distribution, Brandon Sedloff sits down with Henry Steinberg, Global Head of EQT Real Estate, to discuss the evolution of one of the world's largest real estate investment platforms. Henry shares the story of his path into the industry, from consulting and business school to building a career in logistics real estate through Liberty Property Trust and Exeter Property Group before merging with EQT in 2021. The conversation explores how sector specialization, operational expertise, and scale have shaped EQT Real Estate's strategy today. Henry also explains how data, geospatial analytics, and AI are transforming investment decisions across global real estate markets. They discuss:• Henry's career journey from Arthur Andersen consulting to real estate investing• The history from Liberty Property Trust to Exeter Property Group and the merger with EQT• Why specialization in logistics real estate created a durable competitive advantage• How EQT uses geospatial data and analytics to evaluate acquisitions and development opportunities• Market outlook for logistics, student housing, and data centers across the US and Europe Links: EQT Real Estate - https://eqtgroup.com/real-estate Henry on LinkedIn - https://www.linkedin.com/in/henry-steinberg-5653ba223/ Brandon on LinkedIn - https://www.linkedin.com/in/bsedloff/ Juniper Square - https://www.junipersquare.com/ Topics: (00:00:00) - Intro(00:01:58) - Henry's background and career(00:15:31) - Liberty to Exeter origins(00:20:46) - Exeter growth and EQT merger(00:24:49) - Eqt platform and scale(00:26:26) - Real estate strategy mix(00:27:16) - Diversifying beyond logistics(00:27:44) - Living and logistics growth(00:31:17) - Scale through data and AI(00:39:10) - Geospatial data edge(00:43:52) - Student housing signals(00:46:14) - Logistics outlook US vs Europe(00:52:06) - Build or buy expansion

On today's episode of the Play It Brave podcast, I'm talking about something many people in the wedding industry are quietly feeling but not always naming out loud. Photographers who used to book 15–20 weddings a year are sitting at just a handful. Retreats are being canceled. Educators who used to sell out instantly are extending deadlines. And behind the scenes, my DMs are filled with the same question: "Is it just me?" So today we're talking about it honestly. I invited my friend Alicia Daw — an experienced luxury wedding photographer who has spent decades in this industry — to join me for a grounded conversation about what's actually happening and how we can respond to it thoughtfully instead of panicking. I don't believe this is just a slow year. I think the industry is going through a correction — post-COVID demand leveling out, economic uncertainty, new buyer behavior, and major technological shifts like AI. The industry isn't ending, but it is changing. And the more clearly we see those changes, the better we can adapt. Key Takeaways This is likely a market correction, not just a slow season. Post-COVID demand, economic uncertainty, and industry saturation are all contributing to the shift. Buyer behavior has changed. Couples compare far more options, hesitate longer, and often communicate less clearly than past clients. Trust matters more than ever. Showing full galleries, simplifying pricing, and clearly communicating your process helps reduce buyer uncertainty. Generic brands struggle in a comparison-heavy market. Clear positioning and personality help you stand out among hundreds of similar photographers. The middle market feels the most pressure. Budget vendors will book, luxury vendors will continue booking, but the mid-range is often the most saturated. Pricing can be both aspirational and strategic. Holding premium dates for high-end bookings while remaining flexible with short-notice opportunities can create stability. Relationships still convert best. Planner relationships, venue partnerships, and referrals often outperform social media algorithms. Multiple revenue streams reduce stress. Diversifying income can provide stability when inquiries fluctuate. After more than 20 years in this industry, Alicia and I have both learned that the wedding world moves in cycles. The key isn't ignoring change, it's responding to it. That means strengthening your positioning, building trust with your clients, nurturing real relationships in the industry, and being willing to adjust your strategy as the market evolves. Challenges like this don't mean the industry is over. They simply mean we're being invited to grow, refine, and approach our businesses with more intention than ever. If you want deeper support in navigating this shift, Alicia shares about her Strategy Retreat in this episode, where she helps wedding professionals align their business strategy with the life they actually want to build. And as always, thank you for being here and for continuing to play it brave in your work and your business. Meet Alicia Alicia Daw is an international, luxury wedding photographer who has spent nearly three decades of her life globetrotting to 45 countries - and counting - while developing an effortless style for capturing exquisite and emotionally charged weddings and events. Featured in prestigious publications like Grace Ormonde, Style Me Pretty, Wezoree, Carats & Cake, and Wedding Chicks, Alicia knows how to attract chic, jet-setting couples and deliver a luxury experience again and again. Within 13 months of starting her photography business, Alicia went from making $10,000 a year as a missionary to over $100,000, consistently booking 5 figure weddings. Less weddings = more money = more life. She is an expert at helping other wedding and portrait industry professionals grow their businesses into something they're proud of by making sense of all the nitty-gritty details so they can pursue life outside of business. She is passionate about finding joy and adventure in the everyday, ordinary moments in her life with the people she loves most. Connect with Alicia Alicia's WebsiteAlicia's InstagramThe Strategy Retreat Click here for more ways to listen to this episode.

Diversifying Investments Beyond the U.S. | International Investing for Gay Gen X RetirementAre you unintentionally overexposed to the U.S. stock market?In this episode of Queer Money (Ep. 631), we unpack why investors are diversifying investments away from the United States and what international investing means for gay men 45+ who have most of their retirement savings tied up in 401(k)s and IRAs.Over the last six months alone, billions have rotated out of U.S. equities. International markets have outperformed. The dollar's dominance is shifting. Central banks are diversifying reserves. And yet most American retirement portfolios remain overwhelmingly U.S.-centric.That's concentration risk.And money hates concentration risk.We walk through:Why global capital is rotating into developed and emerging marketsWhat “de-dollarization” means for your retirement savingsHow international investing can reduce political and currency riskWhy diversification is not anti-American — it's pro-retirement securityThe risks of being overly exposed to AI-heavy U.S. marketsHow we personally are reallocating part of our portfolio internationallyIf you're a Gen Xer or older Millennial with decades of savings sitting in U.S.-only index funds, this episode may challenge your assumptions about buy-and-hold domestic investing.Key Takeaways:Diversifying investments reduces concentration risk tied to one economy and one currency.International investing has outpaced U.S. markets in recent performance cycles.Currency alignment matters — especially if you plan to retire abroad.A globally diversified portfolio reflects today's multipolar economy.Active, adaptive diversification can strengthen long-term retirement resilience.We're not abandoning America. We're protecting our future.Chapters:00:00 - Intro01:12 - Capital is rotating02:49 - International outperformance04:41 - Policy and geopolitics07:21 - Why diversification matters09:02 - U.S. market still matters10:02 - What we did12:48 - OutroMentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you're considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Sandhya Seshadri shares her inspiring journey from being an engineer to becoming a successful multifamily investor. Starting with her first 86-unit deal in 2018, Sandhya discusses the importance of partnering with experienced sponsors, building strong broker relationships, and defining clear acquisition criteria. She emphasizes the value of reputation, credibility, and deep relationships in acquiring deals, and offers practical strategies for managing underperforming assets through communication, transparency, and investor relations. They also explore the significance of diversification beyond multifamily investments, discussing her ventures into oil and gas, stocks, and private credit funds. She highlights the importance of focusing on net cash flow and maintaining cash-positive business plans. Sandhya Seshadri Current role: Founder, Engineered Capital Based in: Dallas-Forth Worth Where to find them: LinkedIn.com/in/engineered-capital  Engineered-Capital.com Book your free demo today at bill.com/bestever and get a $100 Amazon gift card. Visit ⁠www.tribevestisc.com⁠ for more info. Try QUO for free PLUS get 20% off your first 6 months when you go to quo.com/BESTEVER  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices