Podcasts about Divorce

As we step into a new year, I want to share a few changes coming to the podcast, along with what's staying exactly the same. Growth sometimes means adjusting how we show up, but the heart of this space, support, honesty, and real conversations about separation, is not going anywhere. This podcast will continue to be a place where you're met with understanding, not pressure. A place to make sense of where you are, at your own pace. If you're moving into this year with uncertainty, questions, or quiet determination, you're still in the right place. - - - - - - - - - - - - Want that chapter checklist just Click Here! Great news! Now you can find everything you need in one spot! want to listen to this podcast off of apple, visit www.JosieFalcon.com you can email me at devastatedtodivorced@gmail.com If you want to just send me a quick note, you can find me on Instagram https://www.instagram.com/Josie.Falcon And lastly, If you would like to interact with me and share with others please join my Facebook group  "Separation, Divorce & Starting Over"

In this episode, Mardi Winder sits down with Marcia Mantell to talk about one of the most important and often overlooked parts of life after divorce. your financial future. Marcia brings years of experience helping women understand retirement planning, Social Security, and how to rebuild confidence around money, especially when a divorce changes everything you thought your future would look like.Together, Mardi and Marcia talk about why so many women feel uncertain when it comes to long-term planning and how divorce can leave you feeling like you are starting over. Marcia explains in clear, practical language what women often miss when they are focused on simply getting through the legal settlement and why it matters to look further ahead. She also explains the Social Security formula and how the system offers an option for women or men who have spent years out of the workforce due to children or other issues. Together, they explore how to ask better questions, how to work with financial professionals, and how to step into money conversations with more clarity instead of fear or doubt. Marcia also shares insight into the unique challenges of divorce later in life and what women need to know about Social Security timing, benefits, and creating a sustainable plan for the years ahead. Throughout the conversation, listeners are reminded that it is never too late to get informed, make empowered decisions, and build a future they feel secure in.This episode is both reassuring and practical, offering thoughtful guidance for anyone who wants to feel more confident, prepared, and at peace about what comes next financially after divorce.About the Guest:Marcia Mantell is the founder of her own small business, Mantell Retirement Consulting, which is celebrating 20 years this year. Marcia is known for taking the complicated retirement, Social Security, and Medicare rules and translating them into language we can all better understand. And she's the author of 4 retirement books, a long-time blogger, a media columnist, and a podcast guest. Whether writing about or talking about retirement, she takes the opportunity to share as many helpful tips and tricks as possible. It's all about making a successful transition into retirement.To connect with Marcia and access her complimentary resources: https://boomerretirementbriefs.com/LinkedIn: https://www.linkedin.com/in/marciamantell/ Facebook: https://www.facebook.com/search/top?q=boomer%20retirement%20briefsAbout the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to...

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If New Year's resolutions have never worked for you...especially after divorce, it's not because you lack discipline, motivation, or follow-through.It's because the version of you who survived divorce is not wired to safely become the woman you're trying to create.After divorce, most women try to change their lives by changing their behavior.But behavior never sticks when the nervous system doesn't feel safe expanding.In this New Year's Day episode, we break down why resolutions fail specifically after divorce—and what actually creates change instead.We talk about:Why “New Year, New You” language backfires on a nervous system shaped by lossHow inherited roles, survival strategies, and emotional suppression block capacityThe real reason desire alone isn't enough to create changeWhy your brain will offer a thousand excuses—and why that doesn't mean you're failingWhat permission has to do with confidence, worthiness, and follow-throughYou'll be guided through a powerful journaling exercise we call the New Year Permission Slip—not focused on what you want, but on who you're willing to become to receive it.Because the woman who calls in a fuller life after divorce:has more capacityfeels safer being seentrusts herself more deeplyand no longer abandons herself to stay comfortableAnd she doesn't arrive by accident.

REDIFF - Marie est confrontée à une situation de conflit familial où son ex-mari influence leurs enfants pour les monter contre elle, entraînant une aliénation parentale. Elle exprime ses difficultés à maintenir une relation stable avec ses enfants, notamment ses filles, en raison de ce conflit et de ses propres carences maternelles issues de son enfance. Marie cherche des conseils pour rétablir des liens affectifs solides avec ses enfants malgré la distance et les tensions. Chaque soir, en direct, Caroline Dublanche accueille les auditeurs pour 2h30 d'échanges et de confidences. Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.frHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

REDIFF - Paul Delair et Caroline Dublanche explorent le concept complexe et controversé de l'aliénation parentale. À travers des témoignages et des analyses expertes, l'émission soulève des questions cruciales : comment reconnaître cette manipulation psychologique ? Quels sont ses impacts sur les enfants ? Et comment la justice peut-elle intervenir efficacement ? Un sujet délicat qui interpelle tous les parents concernés par la garde de leurs enfants après un divorce. Association contre l'aliénation parentale pour le maintien du lien familial : www.acalpa.info "Séparation avec enfant, conflit, violence et manipulation" de Marie-France Hirigoyen aux éditions La Découverte Chaque soir, en direct, Caroline Dublanche accueille les auditeurs pour 2h30 d'échanges et de confidences. Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.fr.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Grief doesn't run on a schedule, and kids feel that truth in their bones. We sit down with author and grief group facilitator Ta'Shay Mason to unpack how children experience loss, why feelings often arrive in waves, and what adults can do to create safety without forcing conversation. From a mother's steady persistence to the surprising comfort of equine-assisted activities, Ta'Shay shares practical ways to help kids express themselves when words feel too heavy.You'll hear about a powerful memorial option many families don't know exists: eco-friendly reef balls that incorporate a loved one's ashes and become a living habitat for marine life. Families decorate the form together with handprints, shells, and ribbons, then watch it lowered into the sea and receive coordinates to visit later. This ritual turns goodbye into a shared act of care for the ocean, giving children something tangible, creative, and hopeful to hold onto. We also talk about common dynamics like anger, magical thinking, and memory gaps, and how to normalize them with honest language and gentle choices.Ta'Shay walks us through her series A Child's Journey Through Grief, where a nine-year-old learns to say goodbye, finds connection in group therapy, and builds new traditions for birthdays and recitals. The core takeaway: don't push kids to “move on.” Help them move forward—one story, one photo, one small tradition at a time. If you're supporting a child or navigating your own loss, you'll leave with grounded strategies, fresh ideas for memorials, and a kinder framework for the long road of remembrance.If this conversation helped you, subscribe, share it with someone who's grieving, and leave a review so more families can find these tools.Here's Ta'Shay's website: https://tashay-mason.com/booksBecome a supporter of this podcast: https://www.spreaker.com/podcast/bereaved-but-still-me--2108929/support.

Loneliness is one of the most painful emotions someone can feel. Whether you are lonely and still married, or lonely and going through a divorce, or lonely after divorce, my guest, Divorce Coach, Lisa Lisser is here to help. Lisa offers 3 practices to help you transform your loneliness into emotions that are healthy and hopeful! Read the article on this subject here: https://www.divorcedgirlsmiling.com/3-practices-to-transform-divorce-loneliness/

C'est un sombre tourbillon d'amour et de destruction. Amy Winehouse, la diva de la soul des années 2000, et Blake Fielder-Civil, réalisateur de clip, ont connu une histoire d'amour plus que torturée. Alcool, drogue, dispute… Cette histoire a eu des conséquences sur la carrière de la chanteuse. En 4 épisodes, nous allons vous raconter la face cachée du couple Amy Winehouse & Blake Fielder-Civil. Divorce, prison et poison La situation entre Amy et Blake est de plus en plus alarmante. L'acharnement des médias n'aide en rien. Amy enchaîne les overdoses et, cerise sur le gâteau, Blake se fait arrêter plusieurs fois, notamment pour coups et blessures volontaires, avant de finir entre les barreaux. Quelle sera l'issue de cet enfer ? Un podcast Bababam Originals Ecriture : Anaïs Koopman Voix : François Marion, Lucrèce Sassella Learn more about your ad choices. Visit megaphone.fm/adchoices

n today's episode of Pretty Lies & Alibis, we continue our deep dive into the turbulent backstory surrounding Mica Miller, focusing on the chaos, court filings, police reports, and deeply troubling text messages that emerged before and after her death. We break down newly discussed family court filings from JP's ex-wife requesting that he have no contact with their minor children, including demands for psychological evaluations and supervised visitation. These filings include disturbing exhibits, alleged text manipulation involving children, and claims of instability that paint a much darker picture behind the scenes. This episode also covers:Police reports filed by both Mica and JPAllegations of harassment, stalking, and online exploitationJP's criminal and traffic historyDomestic violence charges involving JP's adult sonChurch protests and confrontations following Mica's deathText messages that allegedly show minors being used in adult conflicts⚠️ Content Warning: This episode includes discussion of domestic violence, coercive control, mental health issues, and allegations involving minors. As always, we focus on documents, timelines, and verified records, letting the facts speak for themselves.

How do you handle winter blues? Join host Marina Franklin, Vanessa Fraction and Holie Harper as we talk holiday cheer, money-saving hacks, and controversial documentaries that will keep you talking. Hollie Harper is a comedy nerd from South Jersey. She is currently the creator and co-exec producer of Hella Late! with Hollie Harper on BRIC TV and a co-host of the nationally trending Twitter Storytelling Chat "BlerdDating." Hella Late! with Hollie Harper was recently in the 2021 NYC Web Fest where she was nominated as Best Actress. Hollie was a semi-finalist in the 2019 NBC Standup Competition and has been featured on NY1, and in Black Enterprise Magazine, Thrive Global, Confessional Magazine and Black San Diego Magazine. Her popular sketch comedy show AMERICAN CANDY has played the Comic Strip, Gotham Comedy Club, BAM Café as well as the Chicago Sketch Comedy Festival. Time Out Chicago named them one of the five groups to watch. Hollie is a regular host for West Side Comedy Club in NYC and works with Gold Comedy and Stand Up Girls, two programs that empower young women by teaching them standup comedy. She was recently the talent coordinator and casting for "Blood Lassi" on Spotify, written by Pratima Mani, and moderated the panel for the Emmy Award winning, WOC editing team of Black Lady Sketch Show for The Black TV and Film Collective. She is also the Creative Consultant for the very successful Black Women in Comedy Laff Fest. Vanessa Fraction is a talented and hilarious comedian, actress, and writer who has made her mark in various forms of entertainment. She can currently be heard as a co-host on the Nappy Boy Radio Podcast hosted by Tpain and seen in the movie Praise This on Peacock. Vanessa can also be seen guest hosting on the entertainment news show Dish Nation. As a stand-up comedian, Vanessa has performed on Def Comedy Jam , Laff Mobs Laff Tracks , and more. Her writing credits include Raven's Home , 106 & Park , and The Mo'Nique Show. Additionally, she has appeared in the film Barbershop 2 and television shows Last Call, Mann & Wife (BounceTV), Comedy KnockOuts (TruTV) and Tales (BET) Not only is Vanessa "Action" Fraction a talented entertainer, but she is also a certified self-defense instructor. She teaches her unique class called Kicks & Comedy, combining her love for humor with her passion for empowering others through self-defense. Always hosted by Marina Franklin - One Hour Comedy Special: Single Black Female ( Amazon Prime, CW Network), TBS's The Last O.G, Last Week Tonight with John Oliver, Hysterical on FX, The Movie Trainwreck, Louie Season V, The Jim Gaffigan Show, Conan O'Brien, Stephen Colbert, HBO's Crashing, and The Breaks with Michelle Wolf. Writer for HBO's 'Divorce' and the new Tracy Morgan show on Paramount Plus: 'Crutch

Join us this for our Foundations Of Recovery & Healing program for individuals and couple's navigating broken trust in their relationship. It starts Thursday, January 15th 6-8pm MDT, once a week for 6 consecutive weeks. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Register Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ This is The Courageous Call-in Show for redemptive healing after betrayal and sex addiction. Learn how to restore broken trust alongside 2 bold and experienced therapists. Brannon Patrick LSCW and Tyler Patrick LMFT have been in the trenches of addiction and betrayal trauma therapy for over 15 years, but before they were therapists, they were die-hard brothers and friends. In this podcast, they have deep discussions to answer the most difficult and uncomfortable questions–head on. This podcast is all about restoring trust in relationships after betrayal and addiction, healing trauma and shame, and experiencing wholeness like never before. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join us on the podcast with your question⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and let's have an honest conversation for a change. Follow Us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Our Free Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Kristine Esser Slentz went from listening to the podcast to my DMs to my bed to holding me while I cry to podcast guest. Typical pipeline. Of course, the published poet would tell her friends that this episode explores the story of her polyamorous marriage and why they work better as friends than spouses. Perspectives! Mentioned:01/08 - NYC - https://www.eventbrite.com/e/197783731565301/17 - LA - https://www.eventbrite.com/e/1918561572309Philly: Sign up for the mailing list @ https://mailchi.mp/gmail/jor7ew9k5l Follow Kristine Slentz!Book: Face to FacesInstagram: @keslentzSubstack: Carnations and Car Crasheswww.kristineesserslentz.com Follow Billy!Instagram: @billyprocidajrTikTok: @TheBillyProcidaThreads: @billyprocidajrBlueSky: @thebillyprocida0nlyFans: @callmebilly Money StuffVenmo: @BillyProcidaCash App: $manwhorepodPayPal/Zelle: funnybillypro@gmail.com Become an Official Fanwhore on Patreon at http://patreon.com/manwhorepodcast Get your books and e-books through an independent bookstore at http://manwhorepod.com/bookshop Make new friends in The Champagne Room at http://manwhorepod.com/discord Email your comments, questions, and criticisms to manwhorepod@gmail.com. Late Night Radio by Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 3.0 Licensehttp://creativecommons.org/licenses/by/3.0/ www.ManwhorePod.com Learn more about your ad choices. Visit megaphone.fm/adchoices

S4 Ep#41Want to be a guest on the podcast? Send Andrew a message on PodMatch, here: https://www.podmatch.com/member/anonymousandrewpodcastPlease buy me a cup of coffee!Proud Member of the Podmatch Network!SummaryIn this episode of Digital Dating, host Anonymous Andrew speaks with Lisa Johnson, a high conflict divorce strategist. They discuss the complexities of high conflict divorces, the impact of legal abuse, and the myths surrounding staying together for the sake of children. Lisa shares her personal journey through divorce and her transition into dating, highlighting the importance of self-reflection and understanding one's needs in relationships. The conversation culminates in Lisa's love story with her partner, emphasizing the joy of finding love after hardship.Lisa's Social MediaLisa Johnson's WebsiteInstagramFacebookTikTokYouTubeA Production of the Anonymous Andrew Podcast StudiosDigital Dating Podcast w/Anonymous AndrewCultimatum Podcast-The Culture of CultsThe Weekend Rant with Anonymous AndrewAnonymous Website:Discord Chat Invite Link: https://discord.gg/mS7RAe4gGDInstagram:TikTok:Threads:Facebook:YouTube:Linkedin:X: @AAndrewpodcastGraphics design & promotions: Melody PostMusic by: freebeats.io

A prominent California farming mogul is accused of killing his estranged wife at her Arizona home after a prolonged and bitter divorce fight over money. A Virginia man accused of planting pipe bombs outside the Democratic and Republican National Committee headquarters told federal investigators that “something just snapped,” according to a Justice Department filing. Drew Nelson reports.See omnystudio.com/listener for privacy information.

C dans l'air du 31 décembre 2025 - Les Français et les politiques : le grand divorce ?Présentation: Salhia BrakhliaNos experts :- Christophe Barbier - Éditorialiste politique - Conseiller de la rédaction – Franc-Tireur- Lucie Robequain - Directrice des rédactions – La Tribune- Alexandra Schwartzbrod - Directrice adjointe de la rédaction – Libération- Jérôme Fourquet - Directeur du département Opinion – IFOP - Auteur de Métamorphoses françaises

C dans l'air du 31 décembre 2025 - Les Français et les politiques : le grand divorce ?Présentation: Salhia BrakhliaLe président de la République Emmanuel Macron exprimera ce soir à 20h ses vœux aux Français pour l'année 2026. Un exercice rituel, l'avant-dernier avant la fin de son second quinquennat. L'occasion de faire quelques annonces, comme la volonté d'interdire les réseaux sociaux aux moins de 15 ans dès la rentrée 2026, et, plus généralement, de se projeter vers l'année à venir. Celle qui vient de s'écouler aura été synonyme de nombreux échecs.Depuis la dissolution ratée de 2024, le chef de l'Etat ne parvient pas à reprendre le contrôle de l'action politique. Son incapacité s'est illustrée en 2025 par un triste record : celui du plus grand nombre de Premiers ministres nommés par un même président de la République au cours d'un mandat. L'année passée a même vu le gouvernement le plus bref de toute notre histoire, avec une chute quatorze heures seulement après l'annonce de sa composition. Le pays vit une période d'instabilité politique inédite depuis le début de la Cinquième République. Le gouvernement a échoué à faire adopter un budget pour l'Etat avant la fin de l'année. Pour sortir temporairement de l'impasse budgétaire, le Premier ministre Sébastien Lecornu a dû recourir à un projet de loi spéciale. Le gouvernement a publié son décret et ses circulaires sur les crédits mis à disposition des ministères à compter du 1ᵉʳ janvier. Le cap est clair. Dans l'attente d'un budget, l'Etat est soumis à la diète.Sur la scène nationale, si les oppositions sont parvenues à faire entendre leur voix, seul le RN est en progression. Le parti d'extrême-droite est le grand gagnant de cette séquence politique et son président, Jordan Bardella, est au sommet dans les sondages. Il caracole en tête des intentions de vote pour la future élection présidentielle.Le parti a fini par convaincre une partie importante des Français sur un sujet au cœur de leurs préoccupations : le pouvoir d'achat. Une équipe de C dans l'air s'est rendue dans un restaurant routier des Yvelines. Sur place, cette question, comme celle de l'inflation, est au centre des priorités. Dans son établissement, le patron voit année après année le RN monter.Loin de l'Elysée et des batailles de l'Assemblée, les maires des petites communes essaient tant bien que mal de se débrouiller pour contenir les dépenses de leur collectivité. Pour ce faire, plusieurs d'entre-eux mettent parfois la main à la pâte. Certains participent ainsi directement à la construction de chalets pour les animations des fêtes de fin d'année, pour faire baisser la facture. D'autres montrent l'exemple en votant la baisse de leurs indemnités d'élu. Ils dénoncent ce qu'il se passe au niveau de l'Etat, où l'on demande selon eux beaucoup au Français sans pour autant faire d'efforts.Nos experts :- Christophe Barbier - Éditorialiste politique - Conseiller de la rédaction – Franc-Tireur- Lucie Robequain - Directrice des rédactions – La Tribune- Alexandra Schwartzbrod - Directrice adjointe de la rédaction – Libération- Jérôme Fourquet - Directeur du département Opinion – IFOP - Auteur de Métamorphoses françaises

SUMMARY: - “Hurting people hurt people—but narcissists mean to. The higher up the spectrum, the more deliberate and sadistic it becomes.” - “A normal person can self-reflect and repair. A narcissist can't or won't—self-reflection feels like death to them.” - “You didn't cause this, and you can't fix it. It's not your fault.” - “As darkness rises, so does the glory of God. What the enemy meant for evil, God can turn for good.” - “If you move slowly and keep physical/emotional boundaries while dating, a narcissist will often disqualify himself.” Annette's 4-category spectrum - Category 1: “Normal” human flaws—can be selfish or insensitive at times, but can self-reflect, repent, repair, and grow. - Category 2: Emotionally immature; hurtful without calculated malice. Constant defensiveness, blame-shifting, meltdowns when confronted. Change is unlikely; aim is reducing chaos and managing wisely if you choose to stay. - Category 3: Calculated and conniving. Love-bombing, data-mining your hopes/fears to weaponize later. Public charm/private cruelty. Dangerous in church/community settings. You won't resolve this. - Category 4: Sociopathic/psychopathic traits. Amplified cruelty and real danger. Divorce triggers the “monster.” Requires safety planning, documentation, and expert help. Dating red flags and protection - Love-bombing: intense pursuit, “soulmate” language, over-the-top gestures, fast-moving timeline. - Boundary testing: pushes past your limits; discomfort rises quickly. - Inconsistencies and subtle cruelty: backhanded comments, smirks at tears or grief, delight in your pain. - How to protect: move slowly, keep physical/emotional boundaries early, listen to the Holy Spirit and your discomfort, look for patterns (not isolated incidents), and let time test character. If you stay (Category 2 dynamics) - Goal: not fixing him, but wisely reducing chaos and preserving your well-being and the household's stability. - Tactics: reframe requests in terms of what benefits him; avoid head-on confrontation; build your life outside the relationship (calling, ministry, education, friendships). - Support: grief the loss of the dream; get equipped; find a small, trusted peer group who truly understands narcissistic abuse. If you're considering leaving (especially 3–4) - Safety first: if there's a risk of harm, have a go-bag for you/kids/pets and get out. - Prepare: document everything; expect financial sabotage; avoid using the term “narcissist” in court unless there's a diagnosis. - Kids: courts may be vulnerable to “parental alienation” claims; consider a High-Conflict Divorce Coach to reduce legal costs and navigate strategy. - Church/community: narcissists often “borrow” your credibility and pre-poison relationships. Find a healthy church culture and rebuild wise support. Biblical considerations for divorce - Abuse, abandonment, adultery are valid biblical grounds. With minors, weigh carefully: safety, modeling for children, and the realities of family court. Healing and identity - Post-abuse, identity is almost always impacted. You can be 10 years out and still hear their voice in your head—self-abuse by proxy. - The path: clean up the past (lies, agreements, unresolved pain), rebuild identity in Christ, then step into power and authority with wisdom and boundaries. - Beauty must rise with pain: intentionally add joy, nature, creativity, and community to counterbalance suffering. Church and parenting insights - Teach kids the Word, discernment, and healthy vs. unhealthy relationship dynamics. Christlike love includes boundaries and walking away when necessary. Programs and resources Annette mentioned - Living Well While Staying: coaching for women who choose to remain in Category 2 marriages, focused on reducing chaos and rebuilding a meaningful life. - Cinderella No More Academy: membership community and tools for recovery and growth. - Cinderella Conversations: 4-session discovery series on identifying narcissistic dynamics, tactics, false guilt, and spiritual warfare. - Upcoming book: Cinderella No More: Becoming Ella (target 2026). She's seeking early readers for feedback. - For severe trauma/PTSD: consider a Christian therapist specializing in trauma; complement with coaches who understand narcissistic abuse. Interview for fit. One thing to remember - You didn't cause it, you can't fix it—and this isn't the end. With God, this can be the beginning of a new, stronger chapter. You get to write the next chapters with Him.   PODCAST INTRO: My guest Annette Chesney is a Christian coach, speaker, and seasoned recovery professional  who equips women healing from narcissistic abuse. Narcissistic dynamics can be hard to spot because they often look like ordinary relationship friction at first. Many people struggle to tell the difference between someone who is simply hurting and occasionally hurtful, and someone who persistently harms others without accountability.  One useful way to think about it is as a spectrum: not everyone with difficult traits is a narcissist, and not every narcissistic person behaves the same way. Understanding this range can help you decide what you're seeing—and what to do next. But before you think that keeps you in the dark….Annette has created a spectrum that consists of 4 categories or types of narcissists including 10 different characteristics. What she shares is very interesting and from my experience very accurate.  Annette's work is done both one-on-one and in groups. She talks primarily from a women's point of view with regard to narcissistic abuse but she did say men are subject to women narcs as well.  Annette talks about common red flags and she says pay attention to patterns over time rather than isolated incidents; that wider view tells the truth. Annette even shares about how she coaches women who choose to stay in a challenging relationship…she teaches  “management” strategies that focus less on changing the other person and more on stabilizing her client's environment, protecting her energy, and minimizing chaos. A few of the examples she gave were learning how to reframe requests so they're seen as mutually beneficial, limiting circular arguments, and building a strong support system outside the relationship.  She even touches on the subject for when separation or divorce becomes necessary and minor children are involved. She alerted us to the fact that trauma symptoms, including anxiety and PTSD‑like responses, are not uncommon adding that qualified mental health support and targeted coaching can help you recover clarity and confidence. Even with the reality of living with the effects of narcissistic abuse…the dismantling of who you are, loss of confidence, identity, goals, dreams etc. , Annette says recovery is possible. Many people find that healing involves unpacking earlier hurts, challenging false beliefs, rebuilding identity, and learning durable skills: boundaries, self‑care, emotional regulation, and discernment.  Getting connected with the right help will make all the difference and get you to what she calls…your Kingdom Zone of Impact where you're living with identity and purpose in Christ.  Her parting words were for the listener to remember two things that are worth holding onto: you didn't cause someone else's narcissistic pattern, and you can't fix it for them. What you can do is prioritize safety, educate yourself/get informed, surround yourself with wise support, and invest in your own future. Whether you're staying, preparing to leave, or rebuilding afterward, the next chapters can be healthier—with Christ those next chapters are filled with restoration and redemption, they can bring clarity, strength identity and purpose… and they're yours to discover with the Lover of Your Soul, the One who never abuses you, never fails you, Jesus. Live Loved and Thrive! Sherrie Pilk   Connect With Annette: LinkedIn: https://www.linkedin.com/in/annette-chesney/ Website: https://annettechesney.com/ Visit her website for more information on the programs and resources Annette mentioned: - Living Well While Staying: coaching for women who choose to remain in Category 2 marriages, focused on reducing chaos and rebuilding a meaningful life. - Cinderella No More Academy: membership community and tools for recovery and growth. - Cinderella Conversations: 4-session discovery series on identifying narcissistic dynamics, tactics, false guilt, and spiritual warfare. - Upcoming book: Cinderella No More: Becoming Ella (target 2026). She's seeking early readers for feedback. - For severe trauma/PTSD: consider a Christian therapist specializing in trauma; complement with coaches who understand narcissistic abuse. Interview for fit.  

New Year's Eve has a way of turning self-criticism up to full volume after divorce.The comparisons.The sense that you should be further along.The quiet question of what's wrong with me that this still hurts?If you find yourself being unusually hard on yourself today, this episode isn't here to tell you to “think positive” or try harder.It's here to explain why this happens—and what your nervous system is actually doing when self-doubt takes over.In this episode, we talk about:Why divorce retrains your nervous system to scan for failure instead of progressWhy pride and self-validation feel uncomfortable or even unsafe for so many womenHow New Year's Eve amplifies comparison, loneliness, and internal pressureA simple practice to help your system start noticing what is workingThis is not about forcing confidence or pretending you're okay.It's about understanding why self-criticism shows up when safety feels fragile—and how to interrupt the spiral without shaming yourself for being in it.

Most people would never start a cross-country trip without a map — yet that's exactly how divorce begins for millions of people every year. In this episode of We Chat Divorce, Karen Chellew and Catherine Shanahan break down the concept almost no one talks about early enough: the financial divorce roadmap. Divorce is not just emotional — it is one of the largest financial transactions most people will ever make. Without a clear financial roadmap, decisions get made from fear, pressure, and incomplete information — and those decisions can cost you tens of thousands of dollars over time. Karen and Catherine explain what a real financial roadmap looks like, how it reduces conflict and legal fees, and why clarity — not speed — leads to better outcomes. If you're feeling overwhelmed, rushed, or pressured to “just get it done,” this episode will help you pause, regain control, and make decisions that actually protect your future. What You'll Learn in This Episode Why divorce requires a financial roadmap, not just legal steps The most common “detours” that quietly destroy long-term financial security Why settling before accounts are verified is one of the biggest mistakes people make How emotions like fear, guilt, and urgency drive bad financial decisions The difference between reacting and negotiating with confidence Why most divorce conflict is actually about uncertainty, not money How a roadmap allows you to pivot when things change — without panicking Key Takeaways Divorce without verified financial information is gambling with your future Legal progress does not equal financial protection A roadmap is a decision tool, not a spreadsheet Preparation reduces conflict, legal fees, and regret You have the right to pause when information is missing Red Flags You're Divorcing Without a Map You're negotiating without seeing full statements You're keeping expensive assets without knowing the true monthly cost You're relying on verbal numbers or assumptions You don't know what you need to live each month Your plan is “I just hope this works out” At My Divorce Solution, we call this roadmap the MDS Financial Portrait™ — a verified, structured view of your full financial landscape before permanent decisions are made. Because fear is expensive. Clarity is not. This episode is educational only and does not provide legal or tax advice. Always consult your professional team for guidance specific to your situation. Start with clarity: take the free Divorce Financial Assessment Share this episode with someone who's starting divorce without realizing they need a map Join the MDS Community for expert guidance and live Q&A support Learn more about your ad choices. Visit megaphone.fm/adchoices

Divorced women don't need another “new year, new you” speech.You need a clean break.In this New Year's Eve episode of The Crazy Ex-Wives Club, Erica guides you through a powerful emotional closing ritual for 2025 and a grounded, realistic way to step into 2026 without dragging old identities, survival patterns, or unfinished grief with you.This episode is not about fixing yourself or forcing goals. It's about retiring what you've outgrown, honoring the lessons of the past year, and consciously choosing what comes next.Erica breaks down why 2025 marks the end of a nine-year cycle, why endings after divorce often feel heavier than expected, and how the “Year of the Snake” has been quietly asking you to shed roles, relationships, and stories that no longer fit. She then introduces the bold, forward-moving energy of 2026 and explains why this is not the year to play small, rush healing, or live by default.Through reflection, journaling prompts, and a flexible mind-mapping framework, you'll learn how to gather the gold from the hardest moments of 2025, choose a guiding word for the year ahead, and take aligned action without pressure or overwhelm.If you're entering a new year post-divorce feeling emotionally tired, uncertain about who you're becoming, or afraid of carrying the past forward, this episode will help you close the chapter with clarity and step into what's next with confidence.You'll learn:Why “new year, new you” advice often fails after divorceWhat it actually means to create a clean emotional breakWhy 2025 is an ending year and why that matters for healingHow to stop dragging old identities and survival patterns forwardWhy discomfort and vulnerability are signs of growth, not failureHow to consciously retire roles, relationships, and expectationsWhat the Year of the Snake teaches about shedding and releaseWhy 2026 invites courage, freedom, and forward movementHow to dream again without pressure or rigid goal settingA simple mind-mapping method to call in what you want nextWhy alignment matters more than hustle after divorceHow community accelerates healing and prevents emotional recoilWe talk about:00:00 Why divorced women don't need “new year, new you”02:00 Setting intention and closing the container on 202503:00 The end of a nine-year cycle and post-divorce identity shifts05:00 Reflecting on how far you've actually come08:00 Why we judge years too harshly and miss the gold11:00 A guided reflection through each month of 202514:00 Choosing the feeling and frequency you want in 202616:30 The Year of the Snake and shedding what no longer fits20:00 Outgrowing roles, relationships, and old expectations23:00 From snake energy to bold forward momentum24:30 Why 2026 is not the year to play small27:00 How to set intentions without overwhelm or pressure30:00 Using mind-mapping instead of rigid goal setting33:00 Calling in alignment without forcing outcomes36:00 Why community matters during transformation41:00 What's coming next and how to stay supportedThe ClubLooking to claim your post-divorce bad ass? Put yourself in the room with other women redefining what it means to be a divorcé.Join the Club - https://www.thecrazyexwivesclub.com/theclub Looking for More Support? Let's ConnectInstagram: https://instagram.com/thecrazyexwivesclub   Facebook: https://www.facebook.com/thecrazyexwivesclub Website: https://thecrazyexwivesclub.com   

Patsy and Danny tell all the information we they gathered on the horrible events that happened on Christmas Eve. Addie, Bentley, Turner Monst lost their life to a house fire with a surviving 4th child named Brailee, and Grandmother Florence. What's Up Jackson County is a spinoff series of the popular What's up World Podcast. While WUW deals with topics that people all across the world can relate to, WUJC is more for the locals here in Jackson County KY. However, everyone is welcome to listen in. Danny promises to have episodes to both entertain and inform you on the latest details of the goings on in our small town.   If you have BREAKING NEWS, Birthday, Engagement, Divorce or any other kind of announcement, please e-mail Danny at whatsupworld01@yahoo.com  If you submit NEWS to the Podcast, please ensure that all details are true and accurate to the best of your ability.  

Hi listener, in this episode we answer a question & topic from Missie from Cleveland Ohio after her Divorce finalized.Please Visit: CeCe “Chandra” @https://www.neveahbathco.com-OR-Instagram: @ neveahbathcollc

Do you ever feel like you are doing everything “right,” and your kid still seems anxious, dysregulated, or shut down? This conversation made me rethink what we have been told about parenting, work, and what kids actually need to feel safe. In this episode of Habits & Hustle, I sit down with psychoanalyst and parent guidance expert Erica Komisar to break down what kids actually need to build emotional resilience, why “quality time” alone isn't enough, and how parental presence shapes brain development, stress tolerance, and long-term mental health. We talk about how stress shows up as fighting, avoidance, and attention issues, why transitions like mornings and after school are when kids need you most, and how overscheduling can become a quiet form of avoidance. She also explains why social media is a pressure amplifier, not the root cause, and what it takes to build real resilience before life gets hard. Erica Komisar, LCSW, is a psychoanalyst and parent guidance expert with nearly four decades of clinical experience. She is the author of Being There and Chicken Little, the Sky Isn't Falling. What We Discuss: (00:00) Why Kids Are Struggling More Than Ever (08:42) The Myth Of “Quality Time” (18:15) What Early Brain Development Actually Needs (29:40) Why Overscheduling And Helicopter Parenting Backfire (41:10) The Real Roots Of Anxiety And ADHD (53:05) Why Social Media Isn't The Original Problem (01:05:30) What Adolescents Need From Parents (01:18:50) The Hard Truth About Work, Parenting, And Priorities Thank you to our sponsors: Therasage: Head over to therasage.com and use code Be Bold for 15% off Air Doctor: Go to airdoctorpro.com and use promo code HUSTLE40 for up to $300 off and a 3-year warranty on air purifiers. Magic Mind: Head over to www.magicmind.com/jen and use code Jen at checkout.Momentous: Shop this link and use code Jen for 20% off Manna Vitality: Visit mannavitality.com and use code JENNIFER20 for 20% off your order Prolon: Get 30% off sitewide plus a $40 bonus gift when you subscribe to their 5-Day Program! Just visit https://prolonlife.com/JENNIFERCOHEN and use code JENNIFERCOHEN to claim your discount and your bonus gift. Amp fit is the perfect balance of tech and training, designed for people who do it all and still want to feel strong doing it. Check it out at joinamp.com/jen  Find more from Jen: Website: www.jennifercohen.com Instagram: @therealjencohen Books: www.jennifercohen.com/books Speaking: www.jennifercohen.com/speaking-engagement Find more from Erica Komisar: Website: www.ericaKomisar.com Instagram: @ericaKomisarBooks: The Parents' Guide to Divorce

JD Vance and Stephen Miller Go NUCLEAR On Somali Fraud. 46 Years Into Feminism… A Lawyer's BRUTAL Confession   JD Vance and Stephen Miller Go NUCLEAR On Somali Fraud | Internet EXPLODES: 'Arrest Them ALL' Watch this video at- https://youtu.be/m2aBFC3hhc4?si=rJI2wF5yJfBxxnVu Benny Johnson 6.07M subscribers 114,972 views Dec 28, 2025 JD and Stephen Miller are pissed over the fraud exposed by Nick Shirley Get The Benny Show Christmas Ornaments: https://shop.bennyjohnson.com/?srslti... BECOME A MEMBER:    / @bennyjohnson   FOLLOW OUR NEW CHANNELS: Benny On The Block:    / @bennyontheblock   Benny's Brews:    / @bennysbrews   FOLLOW BENNY ON SOCIALS: https://www.bennyjohnson.com/follow CHECK OUT OUR MERCH: https://shop.bennyjohnson.com/ Sign up for The Benny Newsletter: https://www.bennyjohnson.com/newsletter SUBSCRIBE TO THE PODCAST https://www.bennyjohnson.com/thebenny...   46 Years Into Feminism… A Lawyer's BRUTAL Confession https://youtu.be/lsw2KzOWlPQ?si=gtK-6mPKwRDLBnUT Rich Cooper Unplugged 59.4K subscribers 265,583 views Dec 21, 2025 #richcooperwisdom #richcooperdaily Join the NUMBER ONE community for men: https://www.skool.com/the-skool-of-un... This Might Be the WORST Story of Dating Delusion Ever Told 00:00 – The Feminist Lie: Introduction 01:05 – A DM From a 46-Year-Old Woman 02:15 – “I Did Everything Right… And I'm Miserable” 03:25 – Career, Degrees, Money — Still Alone 04:40 – How Feminism Discouraged Marriage & Family 05:55 – Losing Friends After They Get Married 07:05 – Living Alone, Working Constantly 08:20 – Men Don't Care About Degrees or Status 09:40 – Dating in Your 40s: The Reality 11:05 – Why Most Men She Dates Won't Commit 12:20 – Social Media Envy & Missed Family Life 13:30 – The “Boss Girl” Attitude & Attraction 14:45 – Aging, Beauty, and Dating Decline 16:00 – Regret, Student Debt, and Missed Timing 17:20 – Why Feminism Leads to Long-Term Regret 18:20 – Final Thoughts & Warning to Younger Women A 46-year-old woman sends a brutally honest message after spending her life following modern feminist advice—career first, relationships later. Despite success, degrees, and financial independence, she admits she is deeply unhappy and full of regret. In this video, we break down her confession and discuss why feminism often fails to deliver the life women are promised, the harsh realities of dating later in life, and the consequences of delaying family and commitment. This is not theory. This is lived experience—and a warning many hear too late. Join Rich Cooper's Guide to Divorce: https://bit.ly/3IjWjSC Credit: Rich Cooper    / richcooperclips      / entrepreneursincars   GET MY BOOK - "The Unplugged Alpha, The No Bullshit Guide To Winning With Women & Life:" https://amzn.to/3fIVW3J SUPPLEMENTS FOR MEN: https://theunpluggedalpha.com/collect... Send business/sponsorship inquiries to EntrepreneursinCars@gmail.com ====================================================== Bitcoin Donations BTC address: 1L1AUHgPeEWXr5AeG6eStRpHsa93FBSNuk ====================================================== © Richard Cooper - For all business inquires contact EntrepreneursinCars@Gmail.com  

Emotional abuse in a Christian marriage doesn't just damage your mental health. It corrodes your spiritual foundation until you can't tell the difference between God's voice and your abuser's voice anymore.

Joe and Dave note that support for Tua Tagovailoa around the league has largely faded, with a growing consensus that it made sense for the Dolphins to move on. They also agree that Tyreek Hill is unlikely to return next season, a move that would add to Miami's dead cap concerns. The segment closes with a broader look at the Dolphins' looming salary cap issues and how those financial constraints could shape the team's next steps.

How do you empower yourself to become a muc better dater...and get yourself into the best relationship? "Your Mental Highness" host Dr. Janne Lomasky stops by to talk about discovering your best self, knowing when time is up, wearing your dating crown, the power of hypnosis, finding your life's purpose, overcoming heartbreak, seeking truth in your journey, and much, much more!

Thanks to our Partners, NAPA Auto Care and NAPA TRACS Watch Full Video Episode Becca Zanders, Certified Exit Planning Advisor, explains why most auto repair shop owners are unprepared for an exit—and how to change that. Only 20–30% of businesses that go to market actually sell, and nearly half of those sales are forced by the “Five Ds”: Death, Divorce, Disability, Disagreement, or Distress. Becca introduces the Value Acceleration Methodology, which reframes exit planning into three stages: Discover the business's true value and the owner's readiness, Prepare the leader, finances, and organization to accelerate value, and Decide whether to grow or sell. A key distinction is the difference between a profitable lifestyle business and a business built for value. The conversation stresses the importance of closing the “wealth gap,” as most owners underestimate retirement needs and have the majority of their net worth trapped in their business. Personal readiness is equally critical, with many sellers regretting the sale because they failed to define their purpose beyond ownership. Advice to shop owners: build the right advisory team and start advancing your business today, long before a sale is forced. Becca Zanders, https://www.d6elements.com/ Thanks to our Partners, NAPA Auto Care and NAPA TRACS Learn more about NAPA Auto Care and the benefits of being part of the NAPA family by visiting https://www.napaonline.com/en/auto-care NAPA TRACS will move your shop into the SMS fast lane with onsite training and six days a week of support and local representation. Find NAPA TRACS on the Web at http://napatracs.com/ Connect with the Podcast: - Follow on Facebook: https://www.facebook.com/RemarkableResultsRadioPodcast/ - Join Our Virtual Toastmasters Club: https://remarkableresults.biz/toastmasters - Join Our Private Facebook Community: https://www.facebook.com/groups/1734687266778976 - Subscribe on YouTube: https://www.youtube.com/carmcapriotto - Follow on LinkedIn: https://www.linkedin.com/in/carmcapriotto/ - Follow on Instagram: https://www.instagram.com/remarkableresultsradiopodcast/ - Follow on Twitter: https://twitter.com/RResultsBiz - Visit the Website: https://remarkableresults.biz/ - Join our Insider List:

What happens when divorce shakes your faith?In this episode, we sit down with Hannah Ayers, who went through a divorce while pregnant, deeply confused, angry at God, and still showing up every morning as a Christian radio host, smiling on air while her heart was breaking behind the scenes.If you've ever felt like you had to hold it together for everyone else while falling apart inside… this conversation is for you.We talk honestly about grief, divorce, faith, anger, shame, and healing—and what it actually looks like to walk with God when you don't feel very “Christian” at all. Hannah shares how God met her in practical, undeniable ways, how community and honesty changed everything, and why real healing only happens when we stop trying to avoid pain and finally face it.This episode isn't just about divorce.It's about loss, disappointment, unanswered prayers, and the moments when you wonder if God is really still good.If you're hurting, isolated, or tired of pretending—you'll find hope here. Not hype. Not platitudes. Real hope.

In this episode, I talk about what it really means to survive a year shaped by separation. The quiet strength it takes to keep going. The grief we don't talk about. The growth that happens without permission. And the truth that making it through is enough. There's no pressure here to have clarity, goals, or a fresh start. Just space to acknowledge what you carried, what you endured, and who you are becoming, even if you can't name her yet. - - - - - - - - - - - - Want that chapter checklist just Click Here! Great news! Now you can find everything you need in one spot! want to listen to this podcast off of apple, visit www.JosieFalcon.com you can email me at devastatedtodivorced@gmail.com If you want to just send me a quick note, you can find me on Instagram https://www.instagram.com/Josie.Falcon And lastly, If you would like to interact with me and share with others please join my Facebook group  "Separation, Divorce & Starting Over"

In this episode, I answer a question from a mom navigating a difficult co-parenting situation during divorce. Her young children are repeating things they've been told at the other parent's house — including statements that aren't true and comments that put them in the middle of adult conflict. I explain why shielding children from divorce details is not only appropriate, but essential for their emotional safety, and why kids should never feel responsible for adult problems. I walk through child-centered ways to respond when children repeat things they shouldn't know or accuse a parent of lying. I explain how to reflect feelings when emotions are present, how to respond neutrally when they're not, how to return responsibility back to adults, and how calm, consistent truth builds trust over time. This episode helps parents protect the parent-child relationship, support their child's emotional safety, and stay grounded when kids are caught between conflicting messages. Ask Me Questions:  Call ‪(813) 812-5525‬, or email: brenna@thekidcounselor.com My Book: Device Detox: A Parent's Guide To Reducing Usage, Preventing Tantrums, And Raising Happier Kids - https://a.co/d/bThnKH9 Podcast HQ: https://www.playtherapyparenting.com/ My Newsletter Signup: https://www.playtherapyparenting.com/newsletter/ My Podcast Partner, Gabb Wireless: https://www.playtherapyparenting.com/gabb/ Common References: Landreth, G.L. (2023). Play Therapy: The Art of the Relationship (4th ed.). Routledge. Landreth, G.L., & Bratton, S.C. (2019). Child-Parent Relationship Therapy (CPRT): An Evidence-Based 10-Session Filial Therapy Model (2nd ed.). Routledge.

The holidays after divorce don't hurt because you're single.They hurt because they force you to confront how unsafe it feels to need support.In this Day 9 episode of 12 Days of Divorce Christmas, we talk about the hidden, hardest part of life after divorce—asking for help. Not logistically, but emotionally. Not politely, but vulnerably.If feeling safe, seen, and supported came naturally to you, this wouldn't be the relationship you ended up in—and it wouldn't be how it ended. So when the holidays raise the volume on need, asking for support can feel threatening, activating, or even shame-inducing.Producer Joy joins me to explore what keeps so many women stuck in invisibility—especially during the holidays and heading into the New Year. We talk about worthiness, vulnerability, and the very real fear that comes with letting yourself be witnessed after divorce.This episode invites you to slow down and ask: – What do I actually need right now? – Who has shown me they're safe enough to ask? – What would it look like to make one honest, aligned request?This isn't about forcing vulnerability or asking people to give what they've never shown they can. It's about reclaiming your right to matter—and letting it begin with you.If the holidays after divorce are making it painfully clear how hard it is to need support, this episode will help you understand why—without judgment, pressure, or pretending you're ready for more than you are.You're allowed to feel the fear. And you're allowed to ask anyway.Support the show✨Join the Cocoon Community - your people are waiting! ✨

Send us a textAs the new year approaches, many couples hope their marriage will feel different—but without intention, January often looks a lot like December.In this episode of AwakenYou in Your Marriage, Christine invites you to slow down and reflect on who you are becoming and how that inner evolution shapes the way your marriage feels over time. Through a guided visualization, simple habit-setting, and practical tools, you'll learn how to approach the new year with clarity, compassion, and direction.This episode is designed to be one you return to—especially as you begin forming new habits in January and beyond.In this episode, you'll explore:A guided visualization to connect with your future selfHow small daily habits create meaningful change in marriageUsing visual reminders to stay focused on your intentionsThe role of accountability in ongoing growth

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Have you felt paralyzed by the thought of meeting a divorce lawyer, fearing that stepping into the office makes the end of your marriage a done deal? What if that first meeting isn't about starting a fight, but about finally gaining the clarity and game plan you need to move forward?This week on A Year and a Day, Jaime Davis sits down with her colleague Grace Massarelli, a family law attorney at Gailor Hunt who guides clients through the high-anxiety early stages of separation. Grace pulls back the curtain on the initial consultation, transforming it from a scary "point of no return" into an empowering information-gathering session.They discuss the emotional intelligence required to navigate this transition and why the most important person in the room is actually you—the captain of your own goals.Tune in for:Why the initial consultation is the first page of your next chapter and how it can set the tone for your entire case.Normalizing the "emotional soup" of anxiety, guilt, and anger—and why authenticity is more important than a strong face in the lawyer's office.The "Exposure Check": Why your attorney needs to know the worst true thing the other side can say about you.The difference between legal options and non-legal alternatives (and why seeing a lawyer doesn't always mean a lawsuit).Why North Carolina's specific "Year and a Day" separation requirement makes this process a marathon, not a sprint.How to determine if a lawyer is a good fit for your personality and whether their approach aligns with your desired level of conflict.Practical tips on what to bring (contracts and prenups) and what to leave at home (thousands of text messages and five years of bank statements).The "Choose Your Own Adventure" nature of legal fees and how to communicate your budget to stay in control of the costs.Grace's three takeaways for anyone terrified to take the first step: It's okay to feel, information is power, and you will be okay.About Grace Massarelli:Grace Massarelli is a family law attorney at Gailor Hunt in North Carolina. She works closely with clients at the outset of their cases, helping them navigate the complexities of equitable distribution, alimony, and child custody with a focus on intentional decision-making and realistic expectations.Resources & Links:Gailor Hunt Law Firm: https://divorcestough.comFollow Gailor Hunt on LinkedIn: https://www.linkedin.com/company/gailor-hunt-davis-taylor-&-clark-r-p-l-l-c-/A Year and a Day is hosted by Jaime Davis, board-certified family law attorney at Gailor Hunt.

Send us a textIn this episode, the first in a 3 part series, I discuss my dating journey since my ex-wife left.   Support the showhttps://www.risingphoenixpodcast.com

Divorce ~ Should I stay with my druggy lying partner? Listen to caller's personal dramas four times each week as Dr. Kenner takes your calls and questions on parenting, romance, love, family, marriage, divorce, hobbies, career, mental health - any personal issue! Call anytime, toll free 877-Dr-Kenner. Visit www.drkenner.com for more information about the show (where you can also download free chapter one of her serious relationships guidebook).

REDIFF - Paul Delair et Caroline Dublanche explorent la délicate question de la garde alternée. À travers le témoignage poignant de Lola, ils discutent des idées reçues et des réalités de ce mode de garde, en soulignant son impact sur le développement affectif des enfants. Quels sont les bénéfices et les défis de la résidence alternée ? Comment les parents peuvent-ils surmonter leurs différends pour le bien-être de leur enfant ? Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Bruno a du mal à accepter la séparation avec son ex-femme, qu'il a connue très jeune, et reste obsédé par cette relation passée. Il se sent dépossédé et éprouve une blessure narcissique, ce qui l'empêche de tourner la page et de s'ouvrir à de nouvelles relations. Cette situation est exacerbée par un sentiment d'abandon lié à son enfance. Cette semaine, en direct, Cécilia Commo accueille les auditeurs pour 2h d'émission. Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.fr.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Rita est en train de se séparer d'un mari autoritaire et manipulateur, ce qui lui cause une grande souffrance émotionnelle. Elle se sent coupable de faire souffrir son mari et craint de ne pas être à la hauteur pour ses enfants. Elle est également préoccupée par les aspects matériels et financiers de la séparation. Cette semaine, Cécilia Commo accueille les auditeurs pour 2h d'émission. Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.frHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Blake Lynch aka Nurse Blake joins the pod for a revealing chat. From being forced to undergo conversion therapy by his parents, to his recent public divorce from his long-time partner, Nurse Blake gets real about everything! Nurse Blake details how his traumatic childhood inspired him to get into nursing, and how it oddly led to a viral comedy career and sold-out world tour. Nurse Blake gets candid about patients attacking nurses, fighting the FDA for 10 years to get the blood donation ban against bi and gay men repealed, and his NurseCon cruise ship setting sail to Jamaica in 2026.

2025 en quelques mots…Des rencontres puissantes, des projets qui prennent forme, des ventes qui s'envolent. Mais surtout, une certitude : Amour Toujours, c'est avant tout VOUS.Vous qui lisez, écoutez, partagez, réagissez, encouragez. Les fidèles de la première heure comme les nouveaux venus chaque jour. Alors avant d'écrire une nouvelle page, j'avais envie de vous dire MERCI. Et de vous glisser, en avant-première, que 2026 s'annonce déjà très fort…De nouveaux formats, de belles collaborations et de folles ambitions !Ce média existe pour faire du couple un espace vivant, joyeux, conscient. Alors la suite… je suis impatiente de la construire avec vous.Bienvenue dans ce dernier épisode 2025 ! Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Good news. If you need to catch up on retirement, check out a program. M put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

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It is the quiet week between Christmas and New Year's. The guests have gone home, the adrenaline has worn off, and you are likely left with a heavy realization: The holidays didn't fix it. If you are currently Googling "how to get a divorce" or secretly looking up attorneys while your spouse is in the other room, you are not alone. Next Monday, January 5th, is known in the legal industry as "Divorce Day," where inquiries skyrocket by 25%. But before you make a call that you cannot unmake, Susan Guthrie has a message for you: Stop. Just breathe. In this urgent and deeply practical solo episode, Susan reveals why the "smartest people" wait until March to file, and exactly what they do in January instead. Drawing on 35 years of practice, she breaks down the "Broken Promise" theory, the danger of the "New Year's Resolution Bomb," and why urgency is the enemy of a good divorce. If you are feeling the pressure to act, this episode is your permission slip to pause, plan, and protect your future before you ever step foot in a courtroom. IN THIS EPISODE, YOU WILL LEARN: The "Broken Promise" Theory: Why the holidays amplify marital cracks rather than fixing them. The January vs. March Strategy: Why amateurs rush to file in January, while strategists use the month for "vetting and verification". The 3 Critical Questions: What you must ask yourself before you hire a professional (hint: do you know the "business reality" of your marriage?). The "First Responder" Rule: Why your first call should almost never be to a lawyer—and who you should call instead. The Financial Reality Check: The sobering statistic about the 41% drop in household income for women post-divorce and how to prevent it. Mistakes to Avoid: Why hiring a "shark" out of fear is the fastest way to burn through $30,000+.   FEATURED RESOURCES & DOWNLOADS: FREE DOWNLOAD: The "January Strategy Calendar" Don't spin your wheels this month. Susan has created a free 4-week "Pre-Season" planner to help you audit your emotions, gather financial documents, and vet professionals before you file.