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Target Market Insights: Multifamily Real Estate Marketing Tips
Sharon Karaffa is the President of Multifamily Debt and Structured Finance at Newmark. With over two decades of experience, she's built her career advising on agency lending, capital markets strategy, and multifamily finance. From starting in corporate finance at Fannie Mae to shaping lending strategies during volatile market cycles, Sharon brings a rare lens on long-term trends and real-time insights. She has led teams through critical transitions, including Fannie Mae's restatement period and the public launch of Newmark's multifamily platform, giving her a comprehensive view from both the borrower and lender perspective. Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here. Key Takeaways How Sharon transitioned into multifamily lending during a corporate finance shake-up at Fannie Mae Why mentorship and sponsorship play a crucial role in long-term success The ongoing conservatorship of Fannie and Freddie—and what it means for agency lending How current interest rate volatility is reshaping investor and lender behavior The role of AI in the future of multifamily debt underwriting Topics Covered Falling Into Multifamily by Taking a Chance Sharon shares how she unexpectedly landed in multifamily finance after being offered three career tracks at Fannie Mae—and choosing the one she knew the least about. Navigating the Conservatorship Era A look at how Fannie and Freddie's placement under conservatorship in 2008 changed the structure of agency lending, from Treasury sweeps to regulatory capital planning. How Volatility Affects Lending Decisions Sharon explains how rate volatility has impacted investor confidence and what lenders consider when advising clients during market uncertainty. Bridge Loans vs. Agency Debt Sharon breaks down where potential distress may appear in the market and why deals underwritten with aggressive bridge debt may be more vulnerable. Lender Advice: Don't Wait for the 'Perfect Rate' Insight on why now may still be the right time to execute a deal—and how waiting on the sidelines may mean missing key opportunities. Tech and AI in Multifamily Lending Sharon shares how Newmark is experimenting with a proprietary GPT tool for internal underwriting and predictive analytics—and where AI still needs work.
This Christmas, we did something completely different. Instead of planning our usual year-end reflection, we handed control to AI—specifically ChatGPT—and asked it to curate 15 topics based on who we are, what we've experienced this year, and what needs to be said. The result? Well, you're just gonna have to give it a listen! Join Harmony Slater and Russell Case as they explore the intersection of ancient wisdom and cutting-edge technology through discussions that span quantum consciousness, psychedelic healing, the Ashtanga yoga world's reckoning, and the art of finding beauty in life's broken moments. This isn't your typical year-in-review episode—it's a deep dive into what happens when you let "Gaia Earth Consciousness" (as Russell calls AI) guide a conversation about transformation. What We Explore:
Nick and Jonathan question if the Steelers matchup will be the last opportunity for the Browns to evaluate Shedeur Sanders.
Show SummaryOn today's episode, we're featuring a conversation with Marine Corps Veteran Andy Gasper, CEO and President of Warrior Foundation Freedom Station, a nonprofit organization that has created Freedom Stations, recovery transition centers and housing facilities that provide injured Warriors with the acclimation time, guidance and resources to successfully make the transition from military service to civilian lifeProvide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestAndy Gasper is the President and CEO of Warrior Foundation Freedom Station, a nonprofit organization dedicated to supporting wounded, ill, and injured service members as they transition from military service to civilian life. Warrior Foundation Freedom Station provides transitional housing, peer support, mentorship, financial and career guidance, wellness services, and community connection through its Freedom Station residences in San Diego, helping medically retiring warriors prepare for long-term success.Under Andy's leadership, the foundation has expanded its mission to include a structured 18-month transitional housing program that offers wraparound support services designed to empower residents to pursue education, careers, and independent living. The program integrates peer-to-peer support, counseling, mentorship, and practical life guidance to foster meaningful community and improved quality of life for veterans navigating the challenges of recovery and civilian transition.A Marine Corps veteran himself, Andy brings both lived experience and professional commitment to his work, emphasizing the importance of community, dignity, and holistic support for America's warriors. Under his stewardship, Warrior Foundation Freedom Station has opened multiple transitional housing facilities and continues to scale its impact to serve more medically retiring service members and their families.Warrior Foundation Freedom Station supports service members and veterans who are seriously ill or injured, affected by post-traumatic stress or traumatic brain injury, undergoing therapy, or navigating medical retirement and reintegration into civilian life.Links Mentioned During the EpisodeWarrior Foundation WebsiteWarrior Foundation VideoPsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is The PsychArmor course How to Build a Successful Transition Plan. Join General Peter Chiarelli, United States Army (Ret.), in PsychArmor's course “How to Build a Successful Transition Plan” as he discusses the importance of setting realistic expectations, goal-setting, and flexibility during your transition. You can find the resource here: https://learn.psycharmor.org/courses/How-to-Build-a-Successful-Transition-Plan Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families. You can find more about the work that he is doing at www.veteranmentalhealth.com
Economic data, market trends, and retirement planning topics are often discussed without sufficient historical context. In this episode of the Money Matters Podcast, Wes Moss and Jeff Lloyd present an educational discussion that places recent economic releases and market observations within a long-term analytical framework. • Review the latest Consumer Price Index (CPI) release by situating current inflation readings within more than 80 years of historical inflation data. • Examine the historical development of the Federal Reserve's 2% inflation target by comparing it with observed inflation outcomes across multiple economic periods. • Discuss how recent government shutdowns delayed scheduled economic data releases and why temporary reporting gaps can affect short-term market narratives. • Explain commonly referenced employment metrics by outlining the differences between the household survey and the establishment survey used in labor market reporting. • Evaluate the employment-to-population ratio (EPOP), including prime working-age participation, as a frequently cited measure of labor market conditions. • Illustrate how year-over-year and multi-year inflation rates can demonstrate the compounding effect of price changes on purchasing power over time. • Compare historical inflation trends with long-term S&P 500 dividend growth to provide context on income-oriented equity characteristics. • Revisit balanced 60/40 portfolio performance in historical discussions to reinforce diversification as a commonly referenced investment framework. • Place the current bull market within a broader historical context by reviewing average cycle durations and the range of outcomes observed over time. • Observe market behavior following spring volatility, including changes in sector participation within the S&P 500. • Highlight ongoing public discussion around artificial intelligence and its potential role in productivity and efficiency across multiple economic sectors. • Review publicly reported fiscal stimulus expectations, including projected changes to tax refunds in 2026 and their possible macroeconomic implications. • Consider housing and real estate themes for the coming year by outlining economic and demographic factors commonly associated with market activity. • Summarize research-based observations on retiree well-being, including written planning approaches, engagement in meaningful activities, and social connection. For listeners seeking discussion about inflation, employment data, market history, and retirement planning concepts, this episode provides structured context grounded in long-term observations. Listen to the Money Matters Podcast and subscribe to stay informed about highly searched financial topics.
Episode 159: How Veterans Should Evaluate and Negotiate a Job OfferGuest: Dan McCall, Strategic Military Placement RecruiterGetting a job offer is exciting. It's also where a lot of veterans make decisions too quickly or without the full picture.In this episode of the Military Transition Academy Podcast, Vets2PM is joined by Dan McCall, a Strategic Military Placement Recruiter who has coached hundreds of veterans through offer decisions across industries.Dan breaks down what to do before, during, and after a job offer so you can evaluate it with clarity, negotiate with confidence, and close the loop professionally.You'll learn:What veterans should decide before an offer ever arrivesHow to evaluate total compensation, not just base payThe right questions to ask the moment an offer landsWhen and how to negotiate without damaging the relationshipHow to handle tradeoffs like title, pay, start date, and flexibilityWhat it looks like to accept, decline, or pause an offer with integrityHow to avoid burning bridges in a small hiring marketIf you're in the interview stage or expect an offer soon, this episode will help you slow down, think strategically, and make decisions that support your long-term career, not just your next paycheck.Connect with Dan: linkedin.com/in/recruiterdanmccalldm.cohen-partners.com/partners/dan-mccall (Company)Let Vets2PM help you get qualified to apply for future roles: www.vets2pm.com/training
What truly makes a leader stand out—results or relationships? In this episode of Seek Go Create, Tim Winders sits down with Coca Cola alum Preston Poore, who shares his journey from chasing corporate performance to discovering the transformative power of leading with heart. Hear how hard-won lessons, workplace challenges, and spiritual growth shaped his approach to leadership, and why "how" matters even more than "what" you achieve. If you're seeking more meaning and impact in your work, tune in to uncover practical strategies for confident, people-centered leadership."People remember you for how you treated them, not just what you accomplished." - Preston PooreAccess all show and episode resources HEREAbout Our Guest:Preston Poore is a seasoned leadership trainer and author with over two decades of experience leading teams at Fortune 500 companies, including The Coca-Cola Company and Hershey Foods. Known for his results-driven approach and dedication to personal and professional growth, Preston helps leaders transform practical strategies into real-world impact. His expertise stems from a rich background in business management, sales, and corporate training, complemented by a deep commitment to values-based leadership. Preston is recognized for his ability to guide individuals toward confident leadership, integrating both personal development and organizational success.Reasons to Listen:Sure! Here are three compelling reasons to listen to this episode:Discover the powerful shift from prioritizing results to valuing people, and why Preston Poore believes how you lead matters more than what you do.Hear candid stories of transformation—including career stumbles, hard lessons, and moments of vulnerability that ultimately shaped Preston Poore's approach to leadership.Get actionable insights on bridging faith and work, as Tim Winders and Preston Poore unpack how authentic purpose and heart-centered leadership create lasting impact.Episode Resources & Action Steps:Resources Mentioned in the Episode:How is Greater Than What: Master the growth and leadership skill everyone else ignores: Written by Preston Poore, this book provides insights on leadership, focusing on the importance of "how" you lead versus simply "what" you accomplish. Available on Amazon, Kindle, and as an audiobook.Website: prestonpoore.com Preston Poore's personal website offers articles, resources, information about his books, and access to his leadership content.Podcast: P Cubed Hosted by Preston Poore, this podcast dives into leadership lessons and personal growth strategies.Action Steps for Listeners:Reflect and Reset Your Leadership Priorities: Consider placing "how" you achieve results above just "what" you accomplish in your professional and personal life. Evaluate how you treat people and the impact you leave behind.
Nick and Jonathan discuss Shedeur Sanders' supporting cast. Also, they talk about the Browns' decision-making on Kevin Stefanski.
Nick and Jonathan share their takeaways from their conversation with Ross Tucker and debate whether or not we can make a fair evaluation on Shedeur Sanders based on what we've seen from him this season.
Tyvis Powll joined the mid-day show to discuss the Browns loss and where they are as a franchise. With Andrew Berry potentially on the hot seat and draft possibilities, the question occurs -- Do you even trust the front office to evaluate a QB?
Most business plans fail before the first meeting because they use last year's results to decide what is possible next. Sarah sits down with Debbie King, business strategist, executive coach, and author of Loving Your Business, about future self business planning as a more effective approach to strategic planning for entrepreneurs who want to learn how to stop letting past results limit your future business growth. Debbie questions the habit of treating prior performance as a ceiling and invites a different starting point for planning that begins with identity, belief, and vision. If your current results reflect who you have been, what changes when you plan from who you are becoming? The discussion turns to the quiet beliefs leaders carry about themselves, their teams, their market, and their offer, and how those beliefs shape decisions long before strategy enters the room. Which assumptions feel true simply because they are familiar? What might open up if you challenged them before pulling your team into the process? Debbie introduces the “How can we?” framework as a way to create forward motion without waiting for certainty, and the episode offers a grounded reset for entrepreneurs who want their 2026 planning to feel clear, focused, and genuinely expansive. Episode Breakdown: 00:00 Future Self Business Planning for 2026 03:02 Why Past Results Limit Future Business Growth 09:01 How Beliefs Shape Business Results 17:57 Strategic Planning Begins With Inner Work 26:58 The “How Can We” Framework for Expansion 44:09 Decide, Act, Evaluate, Iterate Connect with Debbie King: Visit the Loving Your Business website Connect with Debbie on LinkedIn Connect with Sarah Lockwood: Visit HiveCast Connect with Sarah on LinkedIn Connect with The Conscious Entrepreneur: Visit The Conscious Entrepreneur website Follow The Conscious Entrepreneur on LinkedIn Follow The Conscious Entrepreneur on Instagram Subscribe to The Conscious Entrepreneur on YouTube HiveCast.fm is a proud sponsor of The Conscious Entrepreneur Podcast. Podcast production and show notes provided by HiveCast.fm
ONCE UPON A TOME: A MISSION TO EVALUATE A REMOTE LIBRARY Colleague Oliver Darkshire. Guest Oliver Darkshire discusses his memoir, Once Upon a Tome, recounting a "mission" to a remote house to evaluate a library. After a difficult trek through woods, he discovered moldy French texts he couldn't read and sinister spiritual works on exorcism. He also introduces Sotheran's hidden London location. NUMBER 1 1913 Cotswolds
In this episode, Claire Souch is joined by Tom Philp, CEO of Maximum Information; James Lay, AVP of Product Management at Verisk; and Stephen Martin, Head of Catastrophe Modelling at Westfield Specialty, for a timely discussion on the future of catastrophe model evaluation, and why it's no longer enough to simply trust what's in the black box. As new specialist model vendors emerge and market expectations evolve, the panel unpacks a growing demand for transparency, interoperability and smarter ways to adopt models that fit real-world portfolios. At the heart of the conversation is a shared belief: the industry doesn't just need more models, it needs better ways to evaluate and use them. In this conversation, they explore: Why traditional model validation no longer meets the needs of modern risk teams The shift from 'black box' outputs to meaningful model evaluation that supports business decisions How tools from Maximum Information and Verisk's Model Exchange reduce the burden on small or lean teams The role of Oasis as a framework for opening up access across multiple model vendors Why standardisation and open data formats are essential for meaningful interoperability The growing role of niche vendors in reshaping perceptions of model transparency How automation is changing the regulatory and investor reporting game Why this is more than a tech upgrade—it's a cultural reset in catastrophe modelling Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Nick and Jonathan talk about the use of EPA when it comes to evaluating the Browns rookie quarterbacks and if it's maybe being relied on a bit too much.
Have you completed the first six essential steps of the comprehensive 20-step caregiving journey roadmap guide Navigating Dementia Caregiving: Your Resource Roadmap for Every Stage? Are ready to take on more? Do you find yourself wanting to learn faster and more easily than trying to figure everything out on your own? If you answered ‘Yes', you're in the right place for the next phase of the dementia “In the Beginning” journey. We are Sue Ryan and Nancy Treaster. As caregivers for our loved ones with Alzheimer's and other types of dementia, we've learned that building knowledge, and preparing for progression, are crucial for sustainable caregiving. We recently talked with Jenny Gay, licensed clinical social worker with Emory Integrated Memory Care, about our comprehensive 20-step caregiving journey roadmap guide: Navigating Dementia Caregiving Roadmap. In this podcast, we're sharing steps 7–10. Connect with us and share your tips: Website: https://thecaregiversjourney.org/Donate: https://give.cornerstone.cc/thecaregiversjourneyInstagram: https://www.instagram.com/thecaregiversjourney/Facebook: https://www.facebook.com/thecaregiversjourneys/Linkedin: https://www.linkedin.com/in/suearmstrongryan/, https://www.linkedin.com/in/nancytreaster/Email: sue@thecaregiversjourney.org, nancy@thecaregiversjourney.org Full Show Notes https://thecaregiversjourney.org/44-navigating-dementia-caregiving-roadmap-in-the-beginning-steps-7-10-alzheimers-and-other-dementias/ Additional Resources Mentioned Navigating Dementia Caregiving Roadmap Guide In the Beginning - continued Next Steps - You are ready for more 7. Continue your education: Take the Savvy Caregiver course in person or online.Read this magazine: Mayo Clinic Living with dementia: A guide to caregiving and support. Find and take a virtual dementia tour near you. In the United States, in your search engine, type ‘virtual dementia tour' + 'your state'. For example: ‘virtual dementia tour Florida' or, outside the US, replace your state with your country. 8. Start planning for the next stage of care. Build your personal support network:21 minute TCJ podcast: 40. Create Your Personal Support NetworkTCJ blog: 40. Create Your Personal Support Network.Find and try a memory cafe (Caregivers and care receivers go together).Investigate dementia day centers (also known as adult day centers that include dementia care programs) for your care receiver. Community resource finder: Select Community Services and choose Adult Day Centers for your search.Ask your loved one's medical team for a home safety assessment.The goal is to have someone evaluate your home for safety and dementia care needs. This is usually available through palliative care, GUIDE program, or an order from a physician.You can get a free assessment from social services with this order, or you can pay for an independent assessment from a private organization. 9. Investigate your local government community support: In the US, contact your local Area Agency on Aging. Search for yours at Eldercare.acl.gov or call 1-800-677-1116.Call and set up a screening for eligibility:They will point you to any free government services where you are eligible. Be sure to find out if you are eligible to get paid to be a caregiver. 10. Evaluate driving risks. Some US states have specific requirements for individuals with dementia to report their diagnosis and potentially undergo driving evaluations. Listen to this podcast or read this blog:21 minute TCJ podcast: 5. Taking Away the KeysTCJ blog: 5. Taking Away the Keys. Support the nonprofit The Caregiver's Journey: https://give.cornerstone.cc/thecaregiversjourney Takeaways The Three Stages of the Dementia Caregiving Journey 1. In the Beginning - Your loved one receives a diagnosis. 2. The Messy Middle - You begin asserting control; this is when it gets messy! 3. Later On - You are managing all aspects of their care.
Have you moved beyond the initial steps of your caregiving journey and now find yourself needing to take more control while your loved one still believes they can do most things independently? Are you noticing that simple tasks are becoming increasingly challenging for them, yet they resist your help? You're not alone! You've entered what we call the “messy middle” stage of your caregiving journey. We created for you the comprehensive, 20-step caregiving journey roadmap guide, Navigating Dementia Caregiving Roadmap Connect with us and share your tips: Website: https://thecaregiversjourney.org/Donate: https://give.cornerstone.cc/thecaregiversjourneyInstagram: https://www.instagram.com/thecaregiversjourney/Facebook: https://www.facebook.com/thecaregiversjourneys/Linkedin: https://www.linkedin.com/in/suearmstrongryan/, https://www.linkedin.com/in/nancytreaster/Email: sue@thecaregiversjourney.org, nancy@thecaregiversjourney.org Full Show Notes Additional Resources Mentioned Messy Middle First Steps - You recognize it's time to assert more control 11. Focus on safety. Listen to these podcasts or read these blogs.Home Alone - Hear about the deal breakers for living home alone:21 minute TCJ podcast: 6. Home AloneTCJ blog: 6. Home Alone.Medication - Understand strategies to safely manage medication:20 minute TCJ podcast: 20. Medication ManagementTCJ blog: 20. Medication Management.Home Safety - Find approaches to the basics of home safety:25 minute TCJ podcast: 7. Home Safety TCJ blog: 7. Home SafetyWandering - Learn ways to manage three types of wandering: outside, inside and during the night.20 minute TCJ podcast: 4. Wandering TCJ blog: 4. Wandering. 12. Continue to prioritize your self-care. Understand how to approach the realities of self-care:23 minute TCJ podcast: 27. The Realities of Caregiver Self-CareTCJ blog: 27. The Reality of Caregiver Self-Care. 13. Educate yourself on activities of daily living (ADLs). Prepare for changes in your loved ones ability to manage their ADLs.Listen to these podcasts or read these blogs on activities of daily living:26 minute TCJ podcast: 9. Preparing for Incontinence TCJ blog: 9. Preparing for Incontinence21 minute TCJ podcast: 14. Bathing and DressingTCJ blog: 14. Bathing and Dressing21 minute TCJ podcast: 15. Personal Care e.g. brushing teeth, trimming hair TCJ blog: 15. Personal Care21 minute TCJ podcast: 16. Eating and Drinking TCJ blog: 16. Eating and Drinking. 14.Create a Care Plan - at minimum a Family Emergency Plan. 25 minute TCJ podcast: 33. How to Create a Care Plan TCJ blog: 33. Creating a Care Plan. Messy Middle - Continued Second Steps - It's time for more support 15. Start or increase leveraging dementia/adult day programs. Community resource finder: Select Community Services and choose Adult Day Centers for your search. 16. Start thinking about professional help. Educate yourself: Evaluate continuing care communities (even if you never plan to use one) just in case.33 minute TCJ podcast: 28. Home and Community Living Options TCJ blog: 28. Home and Community Living Options.Understand the types of paid caregivers:26 minute TCJ podcast: 32. Hiring a Paid Caregiver TCJ blog: 32. Hiring a Paid Caregiver.Find an organization to help. Search online: ‘Senior Care Advisor' + ‘your area'.Look for options yourself. Go to the Community Resource Finder sponsored by the Alzheimer's Association and AARP. 17. Continue your education. Take the Savvy Caregiver Advanced training (this can be taken in-person or virtually).Delusions:38 minute TCJ podcast: 23. DelusionsTCJ blog: 23. Delusions.Incontinence:26 minute TCJ podcast: 10. Incontinence Begins TCJ blog: 10. Incontinence Begins. Support the nonprofit The Caregiver's Journey: https://give.cornerstone.cc/thecaregiversjourney
Leila Rahimi and Marshall Harris reacted to the news that the Bears are exploring northwest Indiana as a potential site to build a new stadium. Are the Bears serious or simply trying to create leverage?
Leila Rahimi and Marshall Harris opened their show by reacting to the news that the Bears are exploring northwest Indiana as a potential site to build a new stadium. Are the Bears serious or simply trying to create leverage? After that, they opened up the phone lines for Score callers to share their thoughts on the topic.
Looking for an educational overview of today's most commonly searched retirement planning topics? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase provide context around retirement income planning, tax considerations, and widely referenced financial frameworks, helping listeners better understand how these concepts are typically discussed. • Review how Roth IRA conversions are generally evaluated and why converting an entire retirement account balance in a single tax year can materially affect taxable income calculations. • Explain how marginal tax brackets apply to large conversions and why simplified terms like “tax bomb” may not fully reflect how tax liability is determined. • Highlight considerations associated with forgotten or inactive 401(k) accounts and why consolidation is often discussed from an organizational or administrative perspective. • Examine how withdrawal flexibility prior to Social Security eligibility is commonly framed when discussing early-retirement income planning. • Outline factors frequently reviewed when evaluating whether life insurance coverage remains appropriate as family and financial circumstances change. • Clarify how Secure 2.0 legislation outlines limited 529 plan–to–Roth IRA rollovers, including applicable statutory rules, eligibility criteria, and contribution constraints. • Compare the traditionally cited 4% withdrawal framework with alternative retirement income scenarios that include pensions or guaranteed fixed-rate income sources. • Discuss how “dry powder” reserves are often described using bond ETFs or money market ladders within retirement planning conversations. • Evaluate the role small- and mid-capitalization stocks may play alongside large-cap equities within diversified, long-term portfolio discussions. • Reframe home value benchmarks in an inflationary environment while noting why mortgage status is often considered when assessing retirement readiness. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions that explore retirement planning concepts, market context, and long-term financial considerations. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mark Clifton and Mark Hallock talk about how to leave a church well—in a way that honors Christ, loves His people, and protects your own spiritual health. Drawing from H.B. Charles Jr.'s article, “When It's Time to Leave a Church,” they walk through practical steps for transitioning from one church to another with humility and integrity. In this episode, they unpack 7 ways to leave a church in a healthy, biblical way: 1. Pray Seek the Lord earnestly before making any decisions. Ask for wisdom, clarity, and a heart that desires God's glory above your preferences. 2. Examine your motives Be honest about why you want to leave. Evaluate whether your reasons are rooted in conviction, calling, or frustration and hurt. 3. Review the commitments you've made Remember membership vows, ministry roles, and responsibilities. Think carefully about how to finish well and hand off your areas of service. 4. Deal with unresolved interpersonal conflict Don't use a church transfer to avoid biblical reconciliation. Whenever possible, seek peace, forgiveness, and restored relationships before you go. 5. Consider how your departure will affect others Reflect on how your decision impacts your family, friends, small group, and church leaders. Aim to leave in a way that builds up the church rather than causing division or confusion. 6. Know where you're going before you leave Don't drift into churchlessness. Identify another faithful, gospel-preaching church where you can plug in, submit to leadership, and serve. 7. Have an honest exit conversation with your pastor Meet with your pastor or elders to share your decision respectfully. Express gratitude, share concerns graciously, and invite them to pray for you as you transition. This episode is especially helpful for: Believers wondering how to leave a church well Members processing a potential church transition Pastors and leaders shepherding people through church moves Resources Mentioned in This Episode: “When It's Time to Leave a Church” by HB Charles Listen in for pastoral, practical guidance on leaving a church biblically, guarding unity, and honoring Christ and His bride even in seasons of transition.
Do you want to work fewer hours each week? We can get you on track to make it happen! Take charge now and plan ahead for a healthier, happier 2026 as a business owner. When you join our Better Business Better Life program, our guarantee to you is that you will shave 10 hours off your workweek, go home at a set time each day to be fully unplugged and present with your family, and take your weekends off. We guarantee all of these things to happen within the first 30 days of our program! If you want 2026 to be a better year than 2025, book a call with us today! Let's jump into Part 2 of our Strategic Planning Series. We are outlining the structure, tools, and techniques to guide your success. Grab your Strategic Planning Workbook and your Annual Business Planner (available here!), and join us to design more intentionally for 2026!Profit by Design is a Tap the Potential production. Show Highlights:Circumstances change; your mindset is the key to success!Mere survival action will put you right back where you are a year from now. Evaluate your Wheel of Life and your levels of satisfaction.Identify your immutable laws by using powerful questions.Two key aspects of your business: Identify the sweet spot of your business and plan your profitability for the next year.What profit and owner's pay are hiding in plain sight in your business right now?Your opportunity to reach out for help is NOW!Dr. Sabrina's instructions for using the Strategic Planning Workbook for its greatest potential, along with the Annual Business PlannerEnvision the life you can look forward to in 2026!Resources:Download your Strategic Planning Workbook and Annual Business Planner now! Click here.Ready to take your life back from your business? Want more time for what matters most and more money in your bank account than ever? Book a call with us today! Master your time and profit! Give us 20 minutes of your time, take the Better Business Better Life Assessment, and receive a free paperback copy of my book, The 4 Week Vacation®️.Join the Tap the Potential Community on Mighty Networks: www.tapthepotential.com/group Mentioned in this episode:Better Business Better Life!Working harder and not getting paid? Feeling behind? Is your family tired of you being too busy to spend time with them? You deserve better! With Tap the Potential, we'll show you exactly what to prioritize in your business to finally take your life back without sacrificing growth. 95% of our clients achieve our promised result of more time for what matters most and more money in your bank account than ever. You can have this. Join us inside the Better Business, Better Life Program. Go to http://TapThePotential.com and book your call today!
San Jose Sharks play-by-play voice Randy Hahn joins Papa & Silver to evaluate the surge of the San Jose Sharks after their 0-3-2 start and why Macklin Celebrini deserves to be on Team Canada at the OlympicsSee omnystudio.com/listener for privacy information.
Insurance can be frustrating to figure out on your own. In this episode, Kirk Behrendt brings back Shelley DeGroff, founder of PPO Advisors, to decode some of the biggest changes in the PPO world and share two things you need to do to improve your reimbursements in the upcoming year. To stay up to date with PPO changes and prevent future revenue loss, listen to Episode 983 of The Best Practices Show!Learn More About Shelley:Send Shelley an email: shelley@ppoadvisors.com Join PPO Advisors on Facebook: https://www.facebook.com/PPOAdvisorsLLCLearn more about PPO Advisors: https://ppoadvisors.comMention this episode or visit this link to receive $500 off your analysis fee: https://learn.ppoadvisors.com/promoMore Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast: https://podcasts.apple.com/us/podcast/the-best-practices-show-with-kirk-behrendt/id1223838218Episode Resources:Watch the video version of Episode 983: https://www.youtube.com/@actdental/videosWatch Episode 954 with Shelley DeGroff: https://www.youtube.com/watch?v=ZjJ6cLq_k50Main Takeaways:Stay on top of your EOBs by auditing them regularly.Evaluate your master fee to ensure you're paid what you're owed.Learn what stacking order means and how it can affect your practice.Opt-outs are not automatic! Be proactive so they are processed correctly.You don't need to be 100% PPO or 100% fee-for-service. Have a healthy mix.Don't get complacent or comfortable. Understand the contracts you're agreeing to.Snippets:0:00 Introduction.1:16 Shelley's background.2:10 A refresher on important PPO changes.7:15 Audit your EOBs regularly.10:23 Master fee, explained.17:29 Stacking order, explained.20:55 How PPO...
MIBC Treatment Landscape Host: Mark L. Gonzalgo, MD, PhD, MBA Guest: Jen-Jane Liu, MD, FACS CME Available: auau.auanet.org/node/44077 ACKNOWLEDGEMENTS: Support provided by independent educational grants from: AstraZeneca Johnson & Johnson LEARNING OBJECTIVES: At the conclusion of this activity, participants will be able to: 1. Integrate immunotherapy and targeted therapy into the multimodal management of MIBC, selecting appropriate regimens and sequencing strategies based on current guidelines, clinical trial data, and patient-specific factors. 2. Evaluate the clinical role, mechanisms of action, and evidence base for targeted therapies in MIBC, including biomarker-driven selection to support personalized treatment planning. 3. Develop and apply practical approaches for preventing, monitoring, and managing immune-related adverse events and other toxicities associated with immunotherapy and targeted therapy to optimize patient safety, adherence, and quality of life.
In this episode, The Annuity Man discussed: Seeing through product-driven Roth pitches Recognizing political risk in long-term tax planning Keeping conversions separate from annuity products Avoiding shiny-object sales tactics Key Takeaways: Treat Roth conversions as tax decisions rather than annuity strategies. Rely on math and tax guidance instead of sales-driven framing. Understand that tax-free structures like Roths can face future policy shifts. Plan with awareness that political changes may affect long-term assumptions. Run conversion numbers independently of any annuity recommendation. Evaluate tax impact, break-even timing, and personal comfort before acting. Watch for bonuses, churning, and pressure to "flip" existing annuities. Focus on guarantees, documentation, and advice from qualified tax professionals. "You should never do a Roth conversion without talking to a Certified Financial Planner, a CPA, or tax lawyer. Period." — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: Stan@TheAnnuityMan.com Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
San Jose Sharks play-by-play voice Randy Hahn joins Papa & Silver to evaluate the surge of the San Jose Sharks after their 0-3-2 start and why Macklin Celebrini deserves to be on Team Canada at the OlympicsSee omnystudio.com/listener for privacy information.
This episode is sponsored by Lightstone DIRECT. Lightstone DIRECT invites you to partner with a $12B AUM real estate institution as you grow your portfolio. Access the same single-asset multifamily and industrial deals Lightstone pursues with its own capital – Lightstone co-invests a minimum of 20% in each deal alongside individual investors like you. You're an institution. Time to invest like one.—-----------------------------What if planning wasn't about rigid to-do lists… but about carving out time for surfing with your kids, date nights, and saying “no” to overwhelm?In this practical episode, Dr. Bradley Block sits with Dr. Sarah Hart-Unger to explore her simple system for goal-setting and life management. Sarah reveals how she evolved from a time-strapped resident to a mom of three who balances medicine, podcasts, and adventure. Dive into yearly visioning (e.g., “What do I really want?”), quarterly goals, monthly calendars, and daily rituals that prevent fires from derailing your dreams. She shares pitfalls like neglecting partner time, the power of friend spreadsheets, and why spontaneity thrives on structure. Drawing from her book, “Best Laid Plans“ and courses, Sarah proves planning is the “knife-sharpening” for a delicious life—efficient, fun, and regret-free.If your to-do list runs you instead of the other way around, this is your blueprint to reclaim balance and build memories that matter.Three Actionable Takeaways:Start with yearly visioning: Dedicate hours annually to brainstorm big dreams (e.g., surfing with kids). List audacious goals, then revisit seasonally. Break into quarterly milestones like booking a trip, to keep them alive. This ensures daily life aligns with what excites you, turning “someday” into reality without overwhelm.Master task management: Use a “brain dump” to capture everything, then categorize into urgent vs. important. Schedule non-negotiables first (e.g., dates, friends), block deep work, and review weekly. Embrace tools like digital calendars or spreadsheets to track progress, preventing fires while creating space for spontaneity and joy.Evaluate opportunities thoughtfully: Before saying yes, scan your calendar for fit. Consider energy, family, and fun. Phases matter: Early career? Take more risks. With kids? Be selective. Prioritize relationships (e.g., friend tiers, date nights) to avoid regrets. Planning sharpens life like a chef's knife—efficient and delicious.About the Show:Succeed In Medicine covers patient interactions, burnout, career growth, personal finance, and more. If you're tired of dull medical lectures, tune in for real-world lessons we should have learned in med school!About the Guest: Dr. Sarah Hart-Unger is a practicing physician, podcaster, and planning expert who honed her methods during residency and motherhood. Creator of Best Laid Plans Academy with over 100 graduates, she hosts the podcasts Best Laid Plans (solo on planning) and Best of Both Worlds (co-hosted with Laura Vanderkam on work-life fit). Her new book, Best Laid Plans: A Simple Planning System for Living a Life That You Love, offers modern tools for busy lives, balancing medicine, family, and fun.Connect with Dr. Sarah Hart-Unger:Book: Best Laid Plans (available mid-December at major retailers)Podcasts: Best Laid Plans; Best of Both WorldsWebsite: theshubox.com (for courses, blog, and more)About the Host:Dr. Bradley Block – Dr. Bradley Block is a board-certified otolaryngologist at ENT and Allergy Associates in Garden City, NY. He specializes in adult and pediatric ENT, with interests in sinusitis and obstructive sleep apnea. Dr. Block also hosts Succeed In Medicine podcast, focusing on personal and professional development for physiciansWant to be a guest?Email Brad at brad@physiciansguidetodoctoring.com or visit www.physiciansguidetodoctoring.com to learn more!Socials:@physiciansguidetodoctoring on Facebook@physicianguidetodoctoring on YouTube@physiciansguide on Instagram and Twitter This medical podcast is your physician mentor to fill the gaps in your medical education. We cover physician soft skills, charting, interpersonal skills, doctor finance, doctor mental health, medical decisions, physician parenting, physician executive skills, navigating your doctor career, and medical professional development. This is critical CME for physicians, but without the credits (yet). A proud founding member of the Doctor Podcast Network!Visit www.physiciansguidetodoctoring.com to connect, dive deeper, and keep the conversation going. Let's grow! Disclaimer:This podcast is for informational purposes only and is not a substitute for professional medical, financial, or legal advice. Always consult a qualified professional for personalized guidance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Financial Freedom for Physicians with Dr. Christopher H. Loo, MD-PhD
Disclaimer: This is a sponsored episode. Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. ✅ Private real estate investing is becoming a powerful path for accredited investors seeking stable, tax-efficient returns—and in this episode, Jonathan Spitz of Lightstone shares how it works and what to expect heading into 2026.Whether you're a physician looking for passive income real estate opportunities or a high-net-worth individual exploring alternative investments, this video offers clarity, direction, and expert insights. Jonathan Spitz explains Lightstone's vertically integrated approach, their alignment as a family office, and the value-add real estate strategies that make private markets attractive in a high-interest rate environment.Multifamily real estate, industrial real estate investing, and tax-efficient investing are all covered here—along with how to evaluate deals, co-investment structures, and how Lightstone Capital has navigated multiple cycles to stay resilient.If you've been searching for:How to protect your wealth through private equity real estateWhere to invest for high yield real estate investing without public market volatilityWhether now is the right time to invest in accredited investor opportunitiesAnd how to make smart moves in the real estate investment 2026 landscape...
In the postgame edition of the Orange and Brown Talk Podcast, Mary Kay Cabot Ashley Bastock and Dan Labbe break down the Browns' 31-3 loss to the Chicago Bears. They dive into the performance of rookie quarterback Shedeur Sanders, who had a rough outing with three interceptions after a standout game the previous week. They analyze the extenuating circumstances, including a depleted offensive line, key injuries and a critical dropped pass by Jerry Jeudy that resulted in an interception, questioning how the front office can properly evaluate him. The discussion then broadens to the team's overall execution, highlighting the chaotic nature of the game, repeated special teams blunders and procedural mistakes. This leads to a critical conversation about head coach Kevin Stefanski's job security and whether he is giving the front office reasons to make a change. The episode also examines the perplexing season of Jeudy, contrasting his struggles this year with his Pro Bowl performance last season. Follow us: On X: https://x.com/orangebrowntalk YouTube: https://www.youtube.com/@ClevelandBrownsonclevelandcom Instagram: https://www.instagram.com/orangeandbrowntalk/ Music credits: Ice Flow by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/3898-ice-flow License: https://filmmusic.io/standard-license Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a textJoin us with a hot drink and a mince pie as we evaluate the 2025 growing season. in this episode, we sit by the fire and talk about our happiest memories from this year, before we dream of the growing season to come.The Growing Up Podcast is proudly sponsored by the amazing First Tunnels. We are big believers in the benefits of growing in a polytunnel and genuinely believe in the quality of the products that First Tunnels supply. Check out the link below to order your own tunnel. If you would like honest advice before making your purchase please don't hesitate to reach out to us!Check them out here➡️ https://rb.gy/55t356
Romans 8 invites us into a profound meditation on suffering, creation, and the hope of glory that awaits us. We discover that suffering isn't something God overlooks—it's actually a tool He uses to shape us into mature believers who reflect His image. Like a silversmith heating silver until he can see his reflection in it, God allows trials to remove the impurities in our lives. The passage reveals something remarkable: all of creation is groaning alongside us, waiting for redemption. From the moment sin entered the world in Genesis 3, the ground was cursed with thorns and thistles, and decay became part of our reality. But creation hasn't given up hope. The seas, rivers, trees, and mountains all long for Christ's return when everything will be made new. Even the darkness at Christ's crucifixion and the earthquake that split rocks testified to creation's recognition of its Creator. We're challenged to examine whether we share creation's eager longing for Christ's return, or whether we've become so comfortable with our earthly blessings that we've lost our heavenly focus. The promise is breathtaking: God will replace every thorn with a cypress, every briar with a myrtle. He's making all things new, and our suffering is producing an eternal weight of glory beyond comparison.**Sermon Notes:****Introduction:**- Passage: Romans 8:17-25.- Central theme: The role of suffering in Christian maturity and the hope of future glory.**Key Themes:**1. **Suffering and Growth:** - Suffering is universal and disliked but essential for Christian growth. - Suffering isn't elective; it's a part of spiritual maturation. - Personal anecdote: Grandson's struggle during a hike symbolizes how suffering can lead to growth.2. **Comfort and Complacency:** - Modern comfort can lead to spiritual complacency. - Reference to Revelation 3:14 (Laodicean church): They are lukewarm due to self-sufficiency and lack of spiritual hunger. - Importance of recognizing need for God amid comfort.3. **Creation's Groaning:** - Creation itself suffers due to sin and longs for redemption. - Examples of nature's subjugation: thorns, decay, and futility. - Biblical references: Genesis 3 (curse of the ground), and Isaiah's prophecy of renewal.4. **God's Sovereignty Over Nature:** - God controls and commands creation. - Examples: Darkness at Jesus' crucifixion, God stopping time for Joshua. - Nature worships God through its existence and awaits His return.5. **Hope of Redemption:** - Believers are like creation, groaning for relief and renewal. - Hope is anchored in God's promise of a new heaven and earth (Revelation 21).6. **Practical Implications:** - Self-reflection on spiritual readiness and eagerness for Christ's return. - Challenge to embrace suffering as a path to spiritual growth.**Practical Applications:**1. **Embrace Suffering:** - View personal hardships as opportunities for spiritual growth. - Reflect on how challenges can refine character and increase reliance on God.2. **Combat Complacency:** - Evaluate areas of life where comfort may have led to spiritual stagnation. - Foster a genuine hunger for God through scripture and prayer.3. **Focus on Eternal Hope:** - Regularly meditate on the promises of a renewed creation and eternal life. - Shift perspective from earthly concerns to heavenly expectations.**Discussion Questions:**1. How has a specific period of suffering or hardship contributed to your spiritual growth?2. In what areas might comfort be hindering your spiritual zeal or dependence on God?3. How do you maintain hope and patience while waiting for the fulfillment of God's promises?4. In what ways can you remind yourself and others that this world is not our ultimate home?5. How do you actively prepare your heart and mind for Christ's return amidst the distractions of everyday life?By focusing on these themes and applications, we strive to not only understand the biblical text but also integrate its teachings into our daily lives, reinforcing our hope in Christ's imminent return and the inherent growth found through life's challenges.
Get expert, award-winning dynasty fantasy football advice as we answer your roster and trade questions. In this Dynasty Q&A episode, Kyle Senra, Jamie Perog, and Rahul Natarajan break down player comparisons, trade values, sleepers, stashes, playoff rules, and long-term roster-building strategy to help you dominate your dynasty leagues in 2025 and beyond.We tackle real listener questions across QB, RB, WR, and TE, including how to:Evaluate buy low / sell high opportunitiesCompare elite dynasty assetsAdjust values across different league formatsBuild sustainable, championship-level rostersPlayers & Topics Discussed Include:Shedeur Sanders vs. Tyler ShoughEmeka Egbuka vs. Justin JeffersonJahmyr Gibbs vs. Bijan RobinsonBrock Bowers vs. Trey McBrideVeteran QBs outlook for 2026Dynasty RB theory, sleepers, stashes, and playoff rulesWhether you're rebuilding, contending, or retooling, this episode delivers actionable dynasty insights you can use right now.
During the 3pm hour of today's show Chuck & Chernoff talked about the Faclons comeback win over the Bucs before Reading with Rah. Then the guys talked Braves, free agency, MLB Winter meeting and the fact that the Falcons are going to evaluate everything after the season before being joined by Brooks Austin to talk all things Georgia and College Football. See omnystudio.com/listener for privacy information.
During the 3pm hour of today's show Chuck & Chernoff talked about the Faclons comeback win over the Bucs before Reading with Rah. Then the guys talked Braves, free agency, MLB Winter meeting and the fact that the Falcons are going to evaluate everything after the season before being joined by Brooks Austin to talk all things Georgia and College Football. See omnystudio.com/listener for privacy information.
In this week's Flagship Flashback episode of the Wade Keller Pro Wrestling Podcast from five years ago (12-8-2020), PWTorch editor Wade Keller presented a special Top Guy Tuesday edition of the Wade Keller Pro Wrestling Podcast with guest co-host PWTorch's Rich Fann. They review in depth the top World Championship reigns on WWE Raw, WWE Smackdown, AEW Dynamite, and New Japan with a lengthy focus on Drew McIntyre, Roman Reigns, Kenny Omega, and Tetsuya Naito including a discussion on their strengths and weaknesses that could determine whether they hold the titles well into 2021, and if they didn't, who were the top options to take the titles from them.Then, in the previously VIP-exclusive Aftershow, they discussed NXT, MLW, Impact, and ROH.Become a supporter of this podcast: https://www.spreaker.com/podcast/wade-keller-pro-wrestling-podcast--3076978/support.
Gain a grounded, research-informed perspective on retirement planning in this episode of the Retire Sooner Podcast, where Wes Moss and Christa DiBiase examine the emotional, behavioral, and organizational factors that often influence how individuals approach life after work. This conversation highlights commonly referenced frameworks and planning considerations, offering context for listeners seeking to better understand the many moving parts of a thoughtful retirement process. • Explore the behavioral and psychological dynamics behind transitioning from a saver mindset to a spending mindset in retirement, including the frequently cited “millionaire's paradox.” • Understand how creating a written retirement plan may help provide structure, along with why general withdrawal frameworks—such as the commonly referenced 4%+ rule—are used for discussion rather than as recommendations. • Consider approaches for maintaining emotional objectivity when making financial decisions throughout retirement. • Reflect on why some financial professionals continue working and how their experience may contribute to broader retirement-planning conversations. • Review the potential role a fiduciary or financial advisor may play in helping individuals identify common planning pitfalls, organize long-term strategies, and evaluate tax and estate considerations. • Identify widely used criteria for assessing whether a fiduciary advisor aligns with an individual's values, communication preferences, and planning philosophy. • Explore end-of-year tax-related considerations—including SALT limits, charitable deduction rules, HSAs, clean-energy credits, bonus depreciation provisions, and updates to 529 plan flexibility—while recognizing that tax implications depend on each household's specific circumstances. • Evaluate the educational value some families see in establishing custodial investment accounts for children or grandchildren as part of broader financial learning. • Assess the administrative reasons some individuals review whether consolidating retirement accounts may support clearer oversight of their financial landscape. If you're interested in expanding your understanding of the factors that may shape retirement decision-making, this episode offers context to help you think through your own process. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions centered on thoughtful, well-informed retirement planning. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nick and Jonathan debate if this Bears game is the best matchup to judge Shedeur Sanders off of. Also, they react to Joe Burrow's comments about having fun.
It's become an annual tradition to share our Strategic Planning Series with our listeners, and there is no better time to do it than right now, on the cusp of a new year. Dr. Sabrina Starling hosts this two-part series that begins with this episode. She is “The Business Psychologist” and the author of the international bestselling series, How to Hire the Best, and The 4 Week Vacation book. In today's episode, Dr. Sabrina shines a spotlight on your $10,000 an hour activities for these last couple of weeks of 2025. Utilizing your time in $10,000 an hour activities only comes through thoughtful reflection and planning, and we are here to help! Be sure you've downloaded the accompanying resources here. Let's get started!Profit by Design is a Tap the Potential production. Show Highlights:A common flaw shared by most business ownersThe time between Christmas and New Year's Day is valuable; don't waste it!Bolster your resilience with reflection AND celebration.Evaluate your 2025: What have you experienced?Your happiness depends upon your mindset.The Gift to Yourself Exercise: How this exercise brings peace of mindThe value of journaling by hand Resources:Get your Strategic Planning Workbook now! Click here.Ready to take your life back from your business? Want more time for what matters most and more money in your bank account than ever? Book a call with us today! Master your time and profit! Give us 20 minutes of your time, take the Better Business Better Life Assessment, and receive a free paperback copy of my book, The 4 Week Vacation®️.Join the Tap the Potential Community on Mighty Networks: www.tapthepotential.com/group Mentioned in this episode:Better Business Better Life!Working harder and not getting paid? Feeling behind? Is your family tired of you being too busy to spend time with them? You deserve better! With Tap the Potential, we'll show you exactly what to prioritize in your business to finally take your life back without sacrificing growth. 95% of our clients achieve our promised result of more time for what matters most and more money in your bank account than ever. You can have this. Join us inside the Better Business, Better Life Program. Go to http://TapThePotential.com and book your call today!
With a lull in the Pistons’ schedule this week, Bryce and Omari welcome back friend of the pod Laz Jackson to offer insights into how the 2025 roster is performing at this point in the season. After covering the chatter around a potential trade for Anthony Davis, the guys dive deep into roster analysis, including Laz’s perspective on Jalen Duren and the hometown love for Ron Holland. Follow Omari on X/Twitter: @omarisankofa Read the latest from Omari on freep.com Follow Bryce on X/Twitter: @MotorCityHoops Read the latest from Bryce on substack Pick up "The Pistons Pulse" merch here!
Get featured on the show by leaving us a Voice Mail: https://bit.ly/MIPVM Kurt Rolland shares practical strategies and philosophical insights at the intersection of technology, sustainability, and AI adoption. This episode explores how business and tech professionals can optimise energy use, leverage Copilot and agentic AI, and make ethical decisions in a rapidly evolving digital landscape.
Master the "tone, intent, outcome" framework and build trust through vulnerability to navigate your most difficult conversations at work and become a better leader. You've mastered the fundamentals of negotiation in Women's Leadership Success 153 ( part I). Now it's time to tackle the conversations that keep you up at night: the confrontation with an angry stakeholder, the politically charged discussion dividing your team, the compensation negotiation where everything is on the line, or the feedback conversation that could make or break a critical relationship. This discussion former Scotland Yard negotiator Scott Walker reveals advanced strategies that separate good leaders from exceptional ones. These are the frameworks used when hostages' lives hung in the balance‚ adapted specifically for the high-stakes leadership challenges women executives face every day. Building on the Foundation Effective difficult conversations at work require mastering several core principles: reframing negotiation as a conversation with purpose, managing emotional hijacking through behavioral change indicators, listening at deeper levels to understand emotion and perspective, asking questions rather than making statements, preparing thoroughly using systematic frameworks, and seeking practice opportunities with challenging people. Now we build on that foundation with advanced strategies for the conversations that truly test your leadership capacity. Understanding Their World: The Foundation of Influence You Cannot Influence Someone You Don't Understand A principle that transforms how women leaders approach difficult conversations at work: You can't influence somebody unless you already know what influences them. You're wasting your time. It's the height of arrogance, and you're not really going to succeed long-term anyway. This isn't about manipulation‚ it's about genuine understanding. To truly influence someone, you must understand their beliefs and values, decision-making rules and criteria, primary emotional drivers, how they see the world and their place in it, and what human needs they're trying to meet. The Only Path to This Understanding: Deep Listening Most people think they're excellent listeners, yet often go through the motions without truly engaging. Being on the receiving end when someone is thinking about a million other things feels infuriating and dismissive. The Critical Truth About Listening in Difficult Conversations No one has ever listened themselves out of a job or a relationship. This simple truth carries profound implications for women leaders navigating difficult conversations at work. Deep listening doesn't diminish respect, authority, or influence‚ it amplifies all three. The 5 Levels of Listening for Difficult Conversations Levels 1-3: Surface Listening (Where Most Leaders Get Stuck) Level 1: Distracted Listening Nodding while mentally planning your rebuttal or thinking about other priorities. The other person immediately senses your lack of genuine engagement, trust erodes, resistance increases, and resolution becomes impossible. Level 2: Rebuttal Listening Waiting for them to finish so you can explain why they're wrong. You're not actually processing their perspective, just defending your own. Both parties dig into entrenched positions and the conversation becomes adversarial. Level 3: Logic-Only Listening Focusing solely on facts, data, and logical arguments while ignoring emotions. Most difficult conversations at work are driven by emotional needs, not logical disagreements. You address surface issues while core concerns remain unresolved. Levels 4-5: Transformational Listening Level 4: Listening for Emotion What emotions are driving this person's position? Fear? Frustration? Feeling undervalued? Anxiety about change? Notice emotional shifts and acknowledge them without judgment. Saying "It sounds like this situation is really frustrating for you..." creates connection. Level 5: Listening for Point of View Ask yourself: "Why is this person telling me these specific words RIGHT NOW?" Seek the underlying human needs and deeper motivations beneath the surface position. The presenting issue is rarely the real issue it's usually two to six levels deeper. The Real Issue is Never the Presenting Issue When dealing with kidnappers, they wanted money‚Äîbut it wasn't just about the money. They wanted to save face, to feel like they were in control, to feel significant. If negotiators had only focused on money while ignoring these deeper needs, hostages would have died. In corporate environments, 80% of time on kidnapping cases was spent dealing with internal politics‚Äîwhat's called "the crisis within the crisis." In difficult conversations at work, competing egos and siloed thinking often create more obstacles than the actual business challenge. When your team member asks for a raise, the real issue might be feeling undervalued compared to peers, concern about supporting their family, fear of falling behind in their career, desire for recognition of contributions, or worry that you don't see their potential. The Breakthrough Question: "Why is this person telling me this specific message right now? What underlying human need are they trying to meet?" This transforms you from a transactional negotiator into a strategic influencer. The "Tone, Intent, Outcome" Framework for Preparation Systematic Approach to Difficult Conversations Before any high-stakes conversation, explicitly define three elements. This framework transforms anxiety-inducing difficult conversations at work into strategic opportunities. Component 1: TONE What emotional atmosphere do you want to create? Your tone choice sets the entire trajectory. Consider whether you want collaborative versus confrontational, curious versus defensive, respectful versus dismissive, or calm versus urgent energy. Example scenarios: - Feedback conversation: Supportive, direct, developmental - Conflict resolution: Calm, curious, non-judgmental - Negotiation: Collaborative, firm, professional - Political discussion: Open, respectful, genuinely curious Component 2: INTENT What is your genuine purpose for this conversation? This must be your authentic intent, not a manipulative cover story. Genuine intent includes understanding their perspective fully before sharing yours, finding a solution that works for both parties, repairing a relationship while addressing the issue, setting clear boundaries while maintaining respect, or advocating for your needs without damaging connection. Research from Darden Business School shows that women who approach negotiations with clear, authentic intent focused on mutual benefit achieve better outcomes than those using aggressive tactics. Your genuine intent will show up in your words, tone, and body language. Component 3: OUTCOME What does success look like? Be specific about what needs to be different after this conversation, what specific agreements or commitments you need, what would represent a win-win scenario, and what's your walk-away point. The Power of This Framework: When you explicitly define Tone, Intent, and Outcome before difficult conversations at work, you reduce anxiety through clarity, avoid emotional hijacking by anchoring to your intention, recognize when you're off-track and can self-correct, and can evaluate afterward whether you achieved your goals. Practical Exercise Think about a challenging conversation you need to have this week. Write down your desired tone, authentic intent, and successful outcome. Evaluate whether your intended tone aligns with your authentic intent and whether your desired outcome reflects a win-win possibility. Building Trust Through Tactical Empathy The Paradox of Vulnerability in Leadership One of the most powerful techniques for difficult conversations at work seems counterintuitive: demonstrating vulnerability and acknowledging the other person's perspective even when you completely disagree. The Technique: Emotional Labeling + Paraphrasing This specific formula includes three steps: label the emotion you're observing using phrases like "It looks like..." "It sounds like..." "It feels like...", paraphrase their complete perspective as if the words were coming from their mouth, including their emotional state, concerns, and interpretation, then pause and wait for confirmation or correction. Example Application: "You seem really angry with my behavior in this deal. This is taking a long time, you feel like I haven't really delivered on what I said I was gonna do, you feel as if I'm just taking you for granted and your goodwill for granted here, and actually you probably don't have much trust left in me being able to follow through and completing this on time." Notice what's happening here: demonstrating complete understanding of their perspective without defending, justifying, or explaining, making their emotional experience visible and valid, and waiting for their response before proceeding. Why This Transforms Difficult Conversations at Work You might think they're completely wrong and seeing things from a misguided viewpoint. That doesn't matter at this point. When you accurately reflect someone's perspective, one of two responses occurs: Response A: "Yes! You've hit the nail on the head. That's exactly it." They feel seen and heard, defensive walls come down, and real conversation can begin. Response B: "No, no, no, that's not it. It's actually this..." You're getting better data about what's really going on, moving closer to the real issue. Either way, you're gaining valuable information while the other person feels understood. The Neuroscience Behind This Technique When someone feels genuinely understood, their amygdala (threat detection system) calms down, allowing the prefrontal cortex (rational thinking) to engage.
Ending another year setting goals and working really hard.. but still feeling behind?You don't need more motivation. You need a Growth Map.In Day 1 of the CEOs Don't Wait Till Jan 1st Masterclass, we break down how real CEOs evaluate the past year so they actually grow from it — instead of repeating it.Download the CEOs Don't Wait till Jan 1st Playbook here: https://redeemhertime.com/january-playbookYou'll learn:Why being busy is not the same as being productiveThe difference between measuring the GAP vs the GAINHow to evaluate your goals without shame or self-doubtThe 3 main reasons most women don't hit their goalsWhat Lamentations 3:40 teaches us about CEO-level reflectionBecause real growth doesn't come from hustle — it comes from honest evaluation + God-led realignment. CEO action steps: – Write 3 words to describe the CEO you were in the past year – Discern the goals you set vs. the goals you actually reached – Identify 1 area where God is inviting you to realign moving forwardAnd if you want a simple system + support to set clear goals, build a realistic plan, and actually follow through — join me inside CEO Focus, where I'll help you install the Growth Mapping Method so you can see measurable results every 12 weeks.
Join Shark and his lineup of seasoned professionals to enhance your understanding of fee management and explore balanced, ethical approaches to maintaining speaker value in a fluctuating market. In this session, you will:* Evaluate the concept of fee congruency and how it allows speakers to adapt their fees based on added values or specific circumstances.* Create a strategy for maintaining fee integrity while being open to non-monetary value exchanges when clients face budget constraints.* Analyze the importance of having a structured fee schedule and the benefits of aligning speaking engagements with personal and family commitments. Become an NSA Member! https://nsaspeaker.org/join/#membership THRIVE 2026! You NEED to be here! https://thrive.nsaspeaker.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Spoiler: it wasn't good. Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.
In this episode of Behind the Knife, the minimally invasive surgery (MIS) team dives deep into the evolving field of common bile duct exploration (CBDE). From the historical context of laparoscopic approaches to the latest advances including robotic-assisted techniques, Drs. Shaina Eckhouse, James Jung, Zachary Weitzner, and Joey Lew discuss key evidence shaping modern practice. Listeners will learn about indications and anatomy guiding trans-cystic versus trans-choledochal approaches, practical tips for safe stone clearance, and critical considerations around learning curves and team coordination for robotic procedures. The episode also highlights important studies comparing single-stage laparoscopic CBDE with staged ERCP and cholecystectomy, emphasizing outcomes such as stone clearance, pancreatitis rates, and hospital length of stay. This comprehensive overview is a must-listen for MIS and acute care surgeons interested in optimizing the management of choledocholithiasis and streamlining patient care with minimally invasive techniques. Hosts: - Shaina Eckhouse, MD, Bariatric Surgery Medical Director and Vice Chair of Clinical Operations, Department of Surgery, Duke University - James Jung, MD, PhD, Assistant Professor of Surgery, Duke University - Zachary Weitzner, MD, Minimally Invasive and Bariatric Surgery Fellow, Duke University, @ZachWeitznerMD - Joey Lew, MD, MFA, Surgical resident PGY-3, Duke University, @lew__actually Learning Goals: By the end of this episode, listeners will be able to: - Describe the historical approaches to managing choledocholithiasis, including staged interventions and the evolution toward single-stage laparoscopic common bile duct exploration (CBDE). - Summarize key clinical evidence comparing CBDE and ERCP, including landmark studies and meta-analyses evaluating outcomes, complications, and trends over time. - Distinguish between transcystic and transcholedochal approaches to CBDE, explaining indications, contraindications, and technical nuances for each technique. - Identify appropriate candidates for transcystic exploration based on cystic duct anatomy and stone characteristics. - Recognize the impact of newer surgical technologies—such as digital choledochoscopy, Spyglass, and robotic platforms—on CBDE practice, efficiency, and safety. - Discuss the importance of multidisciplinary teamwork, preparation, and perioperative planning for successful CBDE, particularly in complex or altered anatomy cases. - Appraise the learning curve and quality of evidence for new CBDE procedures, outlining the need for mentorship, ongoing training, and knowing when to collaborate with GI or hepatopancreaticobiliary (HPB) surgery. - Outline approaches and bailout strategies for challenging cases, including patients with surgically altered anatomy and use of adjuncts such as intraoperative cholangiography (IOC), feeding tube placement, and Fanelli stents. - Evaluate safety outcomes and limitations associated with robotic-assisted CBDE and single-stage management, incorporating recent data from population-based studies. - Reflect on strategies for tailoring CBDE techniques to individual patient anatomy, surgeon experience, and available resources, advocating for evidence-based practice and continuous learning. References: - Giurgiu DI, Margulies DR, Carroll BJ, et al. Laparoscopic Common Bile Duct Exploration: Long-term Outcome. Arch Surg. 1999;134(8):839-844. doi:10.1001/archsurg.134.8.839 https://pubmed.ncbi.nlm.nih.gov/10443806/ - Lyu Y, Cheng Y, Li T, Cheng B, Jin X. Laparoscopic common bile duct exploration plus cholecystectomy versus endoscopic retrograde cholangiopancreatography plus laparoscopic cholecystectomy for cholecystocholedocholithiasis: a meta-analysis. Surg Endosc. 2019;33(10):3275-3286. doi:10.1007/s00464-018-06613-w https://pubmed.ncbi.nlm.nih.gov/30511313/ - Bekheit M, Smith R, Ramsay G, Soggiu F, Ghazanfar M, Ahmed I. Meta‐analysis of laparoscopic transcystic versus transcholedochal common bile duct exploration for choledocholithiasis. BJS Open. 2019;3(3):242-251. doi:10.1002/bjs5.50132 https://pubmed.ncbi.nlm.nih.gov/31183439/ - Cironi K, Martin MJ. Reclaim the duct! Laparoscopic common bile duct exploration for the acute care surgeon. Trauma Surg Acute Care Open. 2025;10(Suppl 1). doi:10.1136/tsaco-2025-001821 https://pubmed.ncbi.nlm.nih.gov/40255986/ - Zhang C, Cheung DC, Johnson E, et al. Robotic Common Bile Duct Exploration for Choledocholithiasis. JSLS J Soc Laparosc Robot Surg. 2025;29(1):e2024.00075. doi:10.4293/JSLS.2024.00075 https://pubmed.ncbi.nlm.nih.gov/40144383/ - Kalata S, Thumma JR, Norton EC, Dimick JB, Sheetz KH. Comparative Safety of Robotic-Assisted vs Laparoscopic Cholecystectomy. JAMA Surg. 2023;158(12):1303-1310. doi:10.1001/jamasurg.2023.4389 https://pubmed.ncbi.nlm.nih.gov/37728932/ Ad Disclosure: Visit goremedical.com/btkpod to learn more about GORE® SYNECOR Biomaterial, including supporting references and disclaimers for the presented content. Refer to Instructions for Use at eifu.goremedical.com for a complete description of all applicable indications, warnings, precautions and contraindications for the markets where this product is available. 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If you liked this episode, check out our recent episodes here: https://behindtheknife.org/listen Behind the Knife Premium: General Surgery Oral Board Review Course: https://behindtheknife.org/premium/general-surgery-oral-board-review Trauma Surgery Video Atlas: https://behindtheknife.org/premium/trauma-surgery-video-atlas Dominate Surgery: A High-Yield Guide to Your Surgery Clerkship: https://behindtheknife.org/premium/dominate-surgery-a-high-yield-guide-to-your-surgery-clerkship Dominate Surgery for APPs: A High-Yield Guide to Your Surgery Rotation: https://behindtheknife.org/premium/dominate-surgery-for-apps-a-high-yield-guide-to-your-surgery-rotation Vascular Surgery Oral Board Review Course: https://behindtheknife.org/premium/vascular-surgery-oral-board-audio-review Colorectal Surgery Oral Board Review Course: https://behindtheknife.org/premium/colorectal-surgery-oral-board-audio-review Surgical Oncology Oral Board Review Course: https://behindtheknife.org/premium/surgical-oncology-oral-board-audio-review Cardiothoracic Oral Board Review Course: https://behindtheknife.org/premium/cardiothoracic-surgery-oral-board-audio-review Download our App: Apple App Store: https://apps.apple.com/us/app/behind-the-knife/id1672420049 Android/Google Play: https://play.google.com/store/apps/details?id=com.btk.app&hl=en_US
Ready to buy your first storage facility but feeling overwhelmed with where to start? In this episode, I walk you through the exact seven-step roadmap we use inside the Storage Wins community to take you from stuck to signed deal in six to twelve months—even if you're starting from zero. No more second-guessing what to do next or what order to follow. I lay it all out for you. If you've been spinning your wheels wondering whether to chase deals, find funding, or figure out your market first, this episode is going to bring clarity. You'll learn how to define your buy box, choose the right market, build deal flow, fund your deal (without using your own money), and confidently make offers with a due diligence plan that sets you up for success. This is your blueprint to finally get that first storage facility under your belt in 2026. You'll Learn How To: Create a clear vision with a custom buy box and freedom number Analyze the two markets that matter most in storage investing Build consistent deal flow using a simple and proven system Evaluate, fund, and structure deals using creative financing Execute a due diligence checklist that sets your first deal up for success Optimize your storage facility from day one for long-term cashflow What You'll Learn in This Episode: [0:00] Why storage investing success starts with supply, demand, and direction [1:00] Why winging it doesn't work—and what successful students do instead [2:55] Step 1: Define your freedom number and build your buy box blueprint [5:12] Step 2: Use the 2-market method to analyze both people and property [9:58] Step 3: Build your deal flow machine using the LMAO method [14:32] Step 4: Analyze deals with simple back-of-the-napkin math [19:10] Step 5: Fund your deal with other people's money [21:31] Step 6: Make smart offers and conduct real due diligence [26:14] Step 7: Take over and optimize like a pro—even as a first-timer Why You Should Listen: You don't need to "figure it all out." You just need the right system and support. This episode gives you the seven-step framework I've personally used—and that dozens of my clients have followed—to successfully buy their first facility. If 2026 is going to be your year, this is your launchpad. Who This Episode Is For: Aspiring investors who want a clear, repeatable path to their first deal Anyone stuck in analysis paralysis and unsure of what to do next Storage beginners who want to avoid the biggest early mistakes People who value a roadmap, mentorship, and community support Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/ Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link: https://www.facebook.com/groups/322064908446514/
Hour 3: Losing good for Ohio State? + Daryl Ruiter? + 4 games left to evaluate Shedeur Sanders full 2070 Mon, 08 Dec 2025 15:37:01 +0000 lrVsnKTLhfP0vP5OMfsvZhF2Or39QJlF sports The Ken Carman Show with Anthony Lima sports Hour 3: Losing good for Ohio State? + Daryl Ruiter? + 4 games left to evaluate Shedeur Sanders The only place to talk about the Cleveland sports scene is with Ken Carman and Anthony Lima. The two guide listeners through the ups and downs of being a fan of the Browns, Cavaliers, Guardians and Ohio State Buckeyes in Northeast Ohio. They'll help you stay informed with breaking news, game coverage, and interviews with top personalities.Catch The Ken Carman Show with Anthony Lima live Monday through Friday (6 a.m. - 10 a.m ET) on 92.3 The Fan, the exclusive audio home of the Browns, or on the Audacy app. For more, follow the show on X @KenCarmanShow. 2024 © 2021 Audacy, Inc. Sports False
Ken Carman and Anthony Lima explain why they are looking closely at the Browns' final four games of the season (against the Bears, Bills, Steelers, and Bengals) to get a more clear evaluation of Shedeur Sanders.
Many people make more money and somehow feel more afraid. Afraid to decide. Afraid to lose. Afraid to look foolish. Afraid to miss out. https://www.youtube.com/live/00ErZ7MiuEM This isn't a fringe problem. It's everywhere.And it's solvable. Bruce and I recorded this episode to hand you a simple tool you can use to reframe fear and build the kind of financial life that runs on clarity, certainty, and stewardship. Overcoming financial fear starts hereWhat Financial Fear Really IsMake Financial Fear Work For YouScarcity vs Abundance With MoneyWhy Typical Financial Planning Fuels AnxietyTraditional Planning Builds CertaintyPut Money Back In Its PlaceHow Media and Culture Feed FearThe Practical System To Overcome Financial FearTypical Planning vs Traditional PlanningTypical PlanningTraditional PlanningOvercoming Financial Fear: From scarcity to abundance – your next stepBuild certainty, not anxiety – listen in and take your next stepBook A Strategy CallFAQ – Overcoming Financial FearWhat causes financial fear?How do I overcome financial fear fast?What is the abundance mindset with money?Is money good or evil?Why does typical retirement planning increase anxiety?How do cash flowing assets reduce financial fear?How does whole life insurance help with financial fear?What is traditional financial planning? Overcoming financial fear starts here If you've ever hesitated before a money decision, second guessed yourself after signing the paperwork, or stayed stuck because the “what ifs” grew louder than your purpose, you've met financial fear. This article will help you: Understand what financial fear really is, and why even high net worth families feel it. Swap a scarcity mindset for an abundance mindset without pretending fear disappears. See why typical planning fuels anxiety and how traditional planning builds certainty. Put money back in its place as a neutral tool and elevate stewardship. Take practical steps today to move from reaction to intentional design. If fear has been in the driver's seat, it's time to move it to the passenger side and make it serve your mission. What Financial Fear Really Is Let's start at the root. Fear is not your enemy. It's a God-given alarm for imminent danger. As Bruce says, fear can save your life when a car barrels toward you. You don't want to pause and philosophize. You jump. The problem is when that same survival response starts running your money decisions. You either freeze and hoard, or you sprint from shiny object to shiny object because you're afraid to miss out. Different behaviors. Same scarcity. I've watched fear show up in two common ways: Fear of running outThe miser mindset. White knuckles. No generosity. No strategic investment. Just “hold on or else.” Fear of missing outThe constant upgrader. Bigger house, better boat, newer thing. Always chasing, never satisfied. Both are scarcity. Neither is abundance. Abundance isn't reckless. It's not denial. It's a settled conviction that value creation is limitless, and that you can make wise, long range decisions because you are a producer, not just a consumer. Make Financial Fear Work For You The most successful people don't lack fear.They refuse to let fear set the agenda. They put emotions under the leadership of a renewed mind. They use fear as a prompt to prepare, to do the work, to practice courage, and to move anyway. Here's a quick loop Bruce and I use: Name the fear. Say it out loud. Interrogate it. What's the real risk, the real timeline, the real magnitude? Reframe it. What productive action can this fear fuel today? Act. Small, specific steps beat ruminating every time. Review. Talk to yourself like you talk to a friend. Record wins. Build evidence. Courage is a muscle.Train it. Scarcity vs Abundance With Money I like to picture a continuum with scarcity at the bottom and abundance at the top. On both ends of the bell curve, scarcity looks different but feels the same. On one end, scarcity hoards and hides. On the other, scarcity spends to soothe and signal. Abundance sits at the top and does something else entirely. It designs a system where money can be saved, used, enjoyed, replenished, and directed toward a bigger mission. It recognizes that money follows value, and value flows from serving people well. Abundance knows this truth: Money is neutral.It's a magnifier of the soul. Put money in the hands of a wise steward and it multiplies blessing. Put money in the hands of a fool and it multiplies damage. Money did not change the heart. It revealed it. This is why character formation, family culture, and clear guidance are not side notes in finance. They are the engine. Why Typical Financial Planning Fuels Anxiety Typical planning was built to end your productivity.Work until X. Stop. Spend down the pile. Hope you don't outlive it. Because the goal is “stop,” the math has to guess a thousand variables. Guess your lifespan. Guess returns. Guess inflation. Guess taxes. Run a Monte Carlo and call it “certainty.” It's not certainty. It's a string of guesses. When your entire strategy rests on projections you can't control, you feed fear. You start managing to the simulation instead of managing to your mission. You also fragment your financial life into compartments that don't talk to each other. Save a little here, speculate a little there, and pray it nets out. No wonder so many feel anxious. Traditional Planning Builds Certainty Traditional planning doesn't ask, “When can I stop being productive?”It asks, “How do I keep producing, stewarding, and compounding value for generations?” That one shift changes everything. Traditional planning prioritizes: Cash flowing assets over pure appreciationThink businesses and investments that spin off usable cash today and tomorrow. Liquidity and control so you can seize opportunitiesDry powder matters. Optionality reduces fear. Properly designed whole life insurance as a foundational assetGuaranteed cash value, contractual certainty, and a death benefit that refills the family bucket. This is family banking and a reliable backstop that turns risk setbacks into recoverable chapters. Integrated estate design that includes guidanceA will and trust are the shell. A string family culture, Memorandum of Trust, clear roles, and love letters are the substance. Don't just transfer assets. Transfer wisdom and intent. A producer mindsetWe don't retire from purpose. We refine it. We build the family enterprise and train the next generation to steward it. Traditional planning removes guesswork where you can and embraces guarantees where they exist. That is how you replace fear with confidence. Put Money Back In Its Place Many people carry a hidden belief that money is bad. Movies preach it. Social feeds imply it. And if you've absorbed “money is evil,” you will sabotage your own success and feel guilty about every win. I love the picture Bruce learned on the football field. Football didn't build character. It revealed it. Money is the same. It shows what is already true in your heart and in your habits. When money is your god, it runs your life and ruins your relationships. When God is first and people are second and you include yourself in the command to love your neighbor as yourself, money becomes a powerful means to bless, build, and multiply good. Order brings peace. Peace calms fear. How Media and Culture Feed Fear Fear sells. Whether it's the markets, politics, or the latest doom headline, your attention is the product. If you feed fear 24 hours a day, fear will set your financial thermostat. We do something very simple in our family. We curate inputs. We stay informed without bathing in anxiety. Perspective is your most valuable asset. Guard it. The Practical System To Overcome Financial Fear Let's translate this into steps you can take this week. Audit your mindset.Write down three places fear is currently driving your decisions. Name whether it's fear of running out or fear of missing out. Clarify your long-range vision.Lift your eyes. Where do you want your family to be in 25, 50, 200 years? What values do you want embedded in your lineage? Your vision pulls you forward better than fear pushes you around. Strengthen liquidity and cash flow.Increase savings. Build or acquire cash flowing assets. Stop relying solely on appreciation and projections. Add guarantees where they belong.Evaluate properly structured whole life insurance as part of your base. Use it to store capital, access liquidity, and provide a guaranteed death benefit that refills the bucket and de-risks the plan. Integrate your estate design with guidance.Build or update your will and trust. Write your Memorandum of Trust. Clarify roles. Draft love letters to your heirs. Do not leave interpretation to chance. Build producer habits.Study. Create. Serve. Keep solving real problems. Producers attract opportunities. Opportunities expand options. Options reduce fear. Practice the self-talk you'd give a friend.Review wins. Document what worked. Speak to yourself with the same encouragement you offer others. This widens your capacity to choose faith over fear. Typical Planning vs Traditional Planning Use this quick contrast to evaluate your current path. Typical Planning End date focus Spend down a pile Reliant on projections Fragmented accounts Rate of return obsession High anxiety, low control Traditional Planning Ongoing production Cash flow focus Guarantees where possible Integrated system Value creation obsession High certainty, higher control Choose your operating system. Choose your outcomes. Overcoming Financial Fear: From scarcity to abundance – your next step
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