Podcasts about Excel

281. Excel in Social Skills and Etiquette and Teach Your Children To Do The Same with Monica Irvine   Proverbs 20:11 NIV “Even small children are known by their actions, so is their conduct really pure and upright?”   Ephesians 4:32a AMP “Be kind and helpful to one another,”   *Transcription Below*   Monica Irvine, President and creator of The Etiquette Factory, LLC, is a master motivator and dedicated instructor who loves to help children and adults see the benefits and rewards of having proper etiquette, mastering professionalism and excelling in social skills. As a Certified Etiquette Instructor and working in the hospitality industry for 24 years, Mrs. Irvine specializes in etiquette and professional instruction to help ensure the success of each individual both personally and professionally.   Mrs. Irvine is the published author of three books on Etiquette and one book on Scheduling including: Etiquette for Beginners, Etiquette Intermediate, Etiquette Masters and A Schedule Makes for a Happy Family, in addition to authoring several monthly columns in national publications such as Everything Knoxville, The Homeschool Handbook and the Homeschool Magazine.   Mrs. Irvine is a national speaker, speaking to thousands of parents, educators and children every year.   Residing in Knoxville, TN with her husband, Mrs. Irvine spends her free time playing tennis, running and enjoying her family of three boys and a granddaughter.   You may contact Mrs. Irvine at monica@TheEtiquetteFactory.com  or via her website at www.TheEtiquetteFactory.com. Rise Up Parenting FUNdamentals 4 Kids Life Skills Essentials   Thank You to Our Sponsor: Sam Leman Eureka   Questions and Topics We Cover: What are some red flags we can identify in our lives if we are too busy and what wisdom do you recommend instead of our overstuffed schedules? As parents, why must we proactively teach these qualities to our children, rather than just instruct them in a moment of correction? Will you share stories of ways the Holy Spirit has nudged you to use etiquette and it resulted in something miraculous?    Other Savvy Sauce Episode Mentioned: Unexpected Grief and What Helped Me Through It Can Help You Too with Singer and Blogger, Brittany Price Brooker   Connect with The Savvy Sauce on Facebook or Instagram or Our Website   Gospel Scripture: (all NIV)   Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”    Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”    John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:10)   Laura Dugger: (0:11 - 2:19) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.   The principles of honesty and integrity that Sam Leman founded his business on continue today, over 55 years later, at Sam Leman Chevrolet Eureka. Owned and operated by the Burchie family, Sam Leman in Eureka appreciates the support they've received from their customers all over central Illinois and beyond. Visit them today at LemanGM.com.   My guest for today is the charming Monica Irvine. She is president and creator of The Etiquette Factory. She's a master motivator and dedicated instructor who just loves helping children and adults to see the benefits and rewards of having proper etiquette. She also loves to help people master professionalism and excel in social skills.   So, she's going to give us insight into all of these ideas and share stories today for ways that we can actually seek the Lord and love others well and value people through the proper use of etiquette.   Here's our chat. Welcome to The Savvy Sauce, Monica.   Monica Irvine: (2:19 - 2:20) Thank you. Thanks for having me, Laura.   Laura Dugger: (2:20 - 5:41) Well, I'm so excited to get a chat with you today, but let's just begin here. I'm so fascinated because you were born and raised in the South. Is that right?   Monica Irvine: Well, yes, Tennessee. Absolutely consider myself Southern.   Laura Dugger: I love it. And I grew up in the Midwest and got to live in the South for a few years. And I was very struck by the difference in manners. And I'm just curious if manners and etiquette were intentionally taught to you, both in your family and then just kind of in your Southern culture around you.   Monica Irvine: (2:20 - 5:32) Well, yes. So, when I think about being raised in the South, I think and maybe my mom and my grandmas were a little different. But what I would describe my upbringing is very particular, meaning everything was made special.   And my parents and my grandparents took a lot of pride in making things beautiful and lovely. And so, of course, my mom cooked every night. But like at my home growing up and we did not have a lot of money, just know that my parents struggled.   But my mother would never put a ketchup bottle on the table or a mayonnaise jar. Everything had to be put in little bowls with little spoons. And it's funny because my friends that I have today, I get given little spoons for birthdays and occasions because my friends all know how much I love little dainty things.   But, you know, and some people, you know, might think that's a little ridiculous. But I'll tell you something. I don't know that we need to eat that way every night, seven nights a week.   But it made dinner time feel special. And even the way my mother and my grandmothers kept their house, everything had its place. It was not messy.   We had clean homes. And I think it also just helped me be proud of my home. I mean, once again, we did not have a lot of money, but my friends thought my home was so nice.   Well, the reason it was so nice is because my mother kept such care of it. And so, I was raised with a lot of cousins and live close to both of my grandparents. And so even the outside of their homes, both sets of grandparents, everything was beautiful.   And so there was a lot of pride in who we are, how we presented ourselves. But you're going to laugh at this. So, my mom, my dad tells me this story that right after my mom and dad got married, my dad came home from work one day and my mom was ironing.   You know, she'd spend a whole day ironing every week or half a day. And my mom was ironing my dad's underwear. And my mom's name is Janice.   And he was like, “Janice, honey, what are you doing?” And “I know just ironing, Bob.” And he's like, “Babe, you don't need to iron my underwear.”   But, you know, the thing is, that to my mother and my grandmothers being a good wife and being a good mother meant making sure everyone in the family looked nice, that their clothes were clean, that the home was clean, that there was good food on the table. And that was part of their identity, of this is what it means to be a good wife and mother. And I love that about my upbringing.   Laura Dugger: (5:33 - 5:41) And do you have any reasons why you think that's changed a little bit over the years?   Monica Irvine: (5:42 - 8:34) Yeah, I think we've gotten lazy. Well, no, I just I think there you know, there's balance, right? There's when I look back, I can't really remember my mom playing with me.   But now, listen, I don't feel like I missed out, but I do recognize it. But I guess even as a little girl, sure, I would have loved my mom to play with me. But that's just not in my mind what moms did.   Moms cleaned house and made everything and cooked your meal. And so, I do. I'm grateful that as a society, we have adjusted somewhat.   Sometimes I believe too much but have adjusted in going. What's the most important things? And because I'm a big believer in playing with our children and our grandchildren and creating memories.   But now my family, my parents and we worked a lot together. Like if we were if the yard needed raking, it wasn't kids go rake the yard. Mom, dad, kids were in the yard raking.   If a car needed to be washed, it wasn't go wash the car. We were all out there washing the car. So, I think that's why I don't feel like I missed out because my family did so many things together.   Whereas today we're so separated. No parents give their children and babies phones and iPads so they'll just be quiet so they can get their important work done. Like grocery shopping or cooking.   And I just think that instead of teaching our children how to self-soothe and self-entertain and how to creatively play even by yourself, sometimes we just always believe there has to be a babysitter to distract our children from wanting mom and dad. It's just I you know, this could be a whole other talk, Laura, but I just you know, I see it. It breaks my heart sometimes on the lack of how often families work together, play together and do things together.   But now, you know, dad's watching his game in this room. Mom is in another room, maybe on her computer doing social media. The kids are in their rooms on their games.   And I see a lack of family unity. So once again, even though maybe my mom and dad didn't play with us and I'm glad we've shifted with that thought process. Still, we were a united family.   Laura Dugger: (8:35 - 8:56) I love that. And the Lord has clearly given you a passion for that instilling that in others. And He invited you into a journey that eventually led to The Etiquette Factory, which is the work that you get to do today.   So, can you share the impetus for that and what that journey looked like for you?   Monica Irvine: (8:56 - 13:54) I will. I love my company. I feel like it's just yet another beautiful adventure the Lord has allowed me to be on in my life.   And so, I feel like I'm just outside looking in at this beautiful little business that has allowed me to minister to children and adults in need. So, years ago, I was homeschooling our kids. I was homeschooling our youngest son at the time, and we were studying the life of President George Washington.   And I just kind of stumbled upon this list. It was called George Washington's Rules of Civility and Decent Behavior. It is a beautiful list of 110 chivalry skills.   And apparently, President Washington was encouraged to focus on some chivalry as was part of a formal education in those days. He found a French book that had these list of chivalry kind of considerations, and he copied them. He hand copied them, of course.   And we have that list of 110 chivalry skills in President Washington's handwriting. But as I started reading over this list, the Lord penetrated my heart. I just I was like, these are so beautiful.   I mean, some of them were kind of funny. Some of them were. It's not polite to remove lice from your companion in public, which I think is good to know.   But most of the beautiful chivalry skills were very applicable to today. And I was like I want my son to memorize these skills. So, we started memorizing one Washington skill a week.   And because they were written in that old English, you know, sometimes we were like, what does this mean? And it just I just decided for my son's sake, who was nine at the time, I wanted to just kind of make my own version. But what was so a light bulb moment for me is as we started making manners part of our daily discussion in school, I noticed a change in my child's behavior and my son would be like, “Mom, let's do another one. What's the next one? Let's do one more.”   And I found that so fascinating because, as you know, most of us parents, when we teach manners, we're teaching it in the moment, usually correcting bad behavior. It's not that that's our goal. It's just that that's when we think about it.   Our child says, or does something that's not the most polite, and all of a sudden we're going, “Oh, honey, no, honey, you can't say that. That's not polite.” And then we make the correction and then we teach the skill.   And what I learned and realized is that so often that's when I was teaching my children manners in the moment of correcting. And what I've learned about that is when we're being corrected, whether you're three years old or 30 years old, we harden our heart typically because it's self-preservation. You know, we stiffen up when someone's like, “Monica, you really shouldn't have.” I'm like, whoa.   And it's just because of our own pride. We don't like being called out and neither do our children, even when we're doing it gently and politely. It's still a correction.   And so, what I found is when our heart is hardened, as the scripture says, it's not the best time to absorb information. It's the opposite of being humble. To be humble means to be teachable.   To be hardened means to not be teachable. So, when we have a hardened heart, it's hard for us to absorb things of the spirit, which all truth comes from God. So, anything that is lovely of good rapport is of God.   So, when we're teaching our children to be kind and to have kind considerations for others, those are God's truths and God's truths cannot seep into the soul of our heart unless our heart is soft. And so that is what happened is I was like, today we're going to learn how to use our napkin properly. Or today we're going to learn how to apologize.   But how do you make it sound sincere and how do you be sincere when you don't really feel it? And so, as we started just working on one skill at a time, the conversations were typically beautiful. Parts were changed and behavior ended up changing.   And so really, that's what then later became The Etiquette Factory.   Laura Dugger: (13:55 - 14:20) I love that because I think it gives our children confidence because then they're equipped and prepared and understand what's expected of them in different situations or what can bless others in the way they act. But then I'm curious, you gave a few examples of those. Can you think of any of George Washington's chivalry lines that would still apply today?   Monica Irvine: (14:21 - 19:07) Yes, well, so I'm not quoting, I'm summarizing. So, for instance, one is it is not polite to hum or sing in the presence of others that would cause distraction. And so basically it's not polite to draw attention to ourselves but also draw attention or interrupt other people's day life when we haven't been invited to do so.   So let me give you this definition we use for etiquette. So, at The Etiquette Factory, etiquette is helping those around us to feel valued and to feel comfortable. Well, if I'm sitting there humming along, but the person beside me really doesn't want to hear my humming, then I might be causing that person to feel uncomfortable.   Same thing, you know, whenever I start off teaching a class, because usually when everyone thinks of manners, they think of table manners. Of course, there's so much more. But I use this example.   I say, well, if I were to come to your home and sit down and I started eating like a pig in the presence of your family, I mean, I'm chewing with my mouth open. I'm making a smacking my lips. I'm taking too big of bites and food is falling in my lap or I'm making a mess on the table.   Or I eat so fast that I am finished eating, getting up to leave. And you're just on your third bite of food. Well, any of those behaviors, I would be sending a message.   And that message is, look, I'm here for one person and that person is myself. I came to fill up my belly because I'm hungry. And beyond that, I really don't care.   I don't care if I'm making you uncomfortable. I don't care if I'm grossing you out. I don't care if you actually wanted to talk to me because I just came here to eat and I'm out of here.   You see, we don't realize it, but a lack of chivalry is called selfishness. A lack of chivalry is inward focused. When we focus outwardly on what message am I sending to those around me?   Am I sending a message of love and care and value? That is etiquette. I get emailed all the time and message like, “OK, Monica, I've got this shower I'm putting on.   And my daughter is not going to invite her work friends to the wedding. But is it OK if we invite all of them to a wedding shower?” And they'll go, so what's the etiquette rule?   Well, there is no etiquette rule about that, except etiquette is about helping those around us to feel valued. And so that's how I answer every question. I'm like, well, let me ask you if you were invited to a wedding shower, where you're asking her friends to shower your daughter with gifts and love to celebrate her wedding.   But yet those friends were not valued enough to invite to the wedding. How do you think it would make them feel? And so that's what the answer is with etiquette.   Now, there's exceptions. In fact, that case, that's a real email I got. And she ended up having the shower because her daughter went and told her co-worker who offered to give her a wedding shower.   “You know what? I thought that is so thoughtful. I'm so grateful that you were willing to do that. But we're having a very small, intimate wedding, you know, for financial reasons and intimacy reasons. And so, I just don't feel comfortable inviting people to bring gifts for me and knowing that we're just we're not going to be able to invite everyone to the wedding.”   And that co-worker said, “We don't care. We knew you were having a small wedding. We want to celebrate you.”   And so, you know, you can there be exceptions, but a lady and a gentleman always try to be very aware of those unspoken messages. And that guides our conversation, our answers, our actions. And that's what we teach children and adults to do at The Etiquette Factory.   Laura Dugger: (19:07 - 21:17) And now a brief message from our sponsor.   Sam Leman Chevrolet Eureka has been owned and operated by the Burchie family for over 25 years. A lot has changed in the car business since Sam and Stephen's grandfather, Sam Leman, opened his first Chevrolet dealership over 55 years ago.   If you visit their dealership today, though, you'll find that not everything has changed. They still operate their dealership like their grandfather did with honesty and integrity. Sam and Stephen understand that you have many different choices in where you buy or service your vehicle.   This is why they do everything they can to make the car buying process as easy and hassle free as possible. They are thankful for the many lasting friendships that began with a simple, welcome to Sam Leman's. Their customers keep coming back because they experience something different.   I've known Sam and Stephen and their wives my entire life, and I can vouch for their character and integrity, which makes it easy to highly recommend you check them out today. Your car buying process doesn't have to be something you dread, so come see for yourself at Sam Leman Chevrolet in Eureka. Sam and Stephen would love to see you, and they appreciate your business.   Learn more at their website, LemanEureka.com, or visit them on Facebook  by searching for Sam Leman Eureka. You can also call them at 309-467-2351. Thanks for your sponsorship.   I loved, this was a few months back, but we came to a homeschool convention, and I loved your talk on purposeful parenting. One thing that you said, just I think backing it up and looking at our family in general, you said, “If we're too busy to do the most important things, we're too busy. Stop allowing the adversary to tempt us to remain too busy.”   So, Monica, what wisdom can you share for maybe red flags that can help us identify when we're too busy to focus on the most important things, and what do you recommend instead of overstuffing our schedules and our lives?   Monica Irvine: (21:18 - 26:23) You know, that's a great question. Those are good questions that every family should ask themselves. You know, I think that if we are to strive to focus on the most important things, step number one is, has mom and dad identified the most important things?   Because if you don't know what your goal is, then you're not going to as easily recognize when something is interfering with your goal. So, for instance, maybe mom and dad sits down and says, “Well, our number one goal is to make sure that our children know Jesus Christ. And so, what do we need to do to make sure that we're doing our best to help our children know who He is?”   Well, and so a family might decide, well, we want to have daily scripture study and daily family and individual prayer. We want to make it a priority to be at church so that we can worship on the Sabbath, but also so that we can meet together with other like-minded Christians and minister to one another as we're taught by the Savior. That's important for us to do.   And perhaps we want to learn to do as the Savior does. And that's why we're going to learn of His attributes and try to follow in His footsteps and be a family of service. So, let's just say those are our four of the most important things.   If that's our goal, then hopefully mom and dad could recognize when we're starting to stumble off the path that leads to our goal. For instance, I can't tell you how many parents have come up to me after they hear me speak on this topic and say, “Monica, I wish I had heard you say this 10 years ago. But we got sucked up into the what the world has to offer, and we started allowing our children to play competitive sports on Sunday. And so, we stopped going to church years ago because there was always a championship game on Sunday morning and always another tournament. And we wanted our children to have, you know, college opportunities.”   And there's nothing wrong with college opportunities unless that college opportunity interferes with our most important goal. And so that's why first mom and dad have to decide what is the most important, because then it's easier to recognize when we are being tempted by the adversary to focus on what the world is trying to offer us.   And the world offers us shiny things that tempt our human nature to want to be popular and loved by all and wealthy. And so, we just have to always go back to our goals. You know, I've got families that say, “I wish we had eaten dinner together more often. But we allowed our children to be so scheduled that there was not one night or there was only one night a week that we actually sat down at the table together.”   You know, parents. You will regret that. And you can't take back these precious, very short years that you have your children under your roof in your home.   And you will be someone like me one day where all of my kids are graduating and grandchildren and all you live for is your children to come visit and your children to come have dinner. And so, when you allow the world to creep in and be more important than spending time with your family, time with the Lord, time on good and lovely things, you will regret it. And I just think that probably every year come January, mom and dad should sit down and go, let's look at last year.   What were we missing from our family schedule? What do we need to reevaluate whether that is the most important thing? And so that's something I think all of us have to do on a regular basis.   Laura Dugger: (26:24 - 27:20) I think you're hitting on something profound there, that reflection with the Lord or with our spouse. I think we have no excuse because if there is no spouse in the picture, we always have the Lord. But to be intentional, to take that time, maybe on a Sabbath and go through a few questions and reflect back.   I think that could save us from a lot of regret. So, I really appreciate that response. And going back to etiquette, then you've taught us that it is a learned behavior.   This isn't something that our children will just naturally pick up. It's best to do in times where their hearts are soft, so proactive if possible. But I'd love to know in your own life, when were times that the Holy Spirit nudged you to use etiquette and it resulted in something miraculous?   Monica Irvine: (27:21 - 32:56) Oh, goodness. Okay, well, to me, I think miraculous is seeing the Lord's divine hand in our life. I see the miracle of the Lord every day in my life.   But probably most often is when I kneel down at the end of a day, I repent daily because I need to daily. And it's always a little nervous because I pray and I ask the Lord, as sometimes I know what I need to repent of. I know that I recognized I stumbled that day on something, but sometimes I just I pray and I say, “Lord, you know, just help.”   If something needs to be brought to my mind that I need to repent of and that I need to do better, would you bring it to my mind at this time? And it wasn't that long ago that the Lord brought to my mind something that I had gotten in the habit of doing that I didn't feel like it was wrong, but it was wrong. And so, etiquette, one of the etiquette skills I teach everyone is that it's not polite for us to gossip.   A lady and a gentleman always draw attention to the lovely and wonderful things that other people do. Now, if there's a safety issue, that's different, but I'm just talking about we don't share negative things about other people. And so, it's something I teach every year, all year long.   But I feel like I've done so much better than I did twenty-five years ago when the Lord really chastised me one time for gossiping. But in the last couple of months, I had gotten in the habit of sharing with my husband. So sometimes, you know, when you share with your spouse that you kind of feel like that's a safe place that the same rules don't apply because you and your spouse kind of talk about everything.   And so, I was in the habit of sharing with my spouse something that I was worried about that another person in our family did. But I was constantly going, “Oh, I don't like that. They do this and I don't like that. They do this and I'm worried about it.” And I actually was worried about it. But I just was constantly kind of highlighting these things that I didn't like that someone in our family did.   Well, one night I was praying and asked the Lord to bring to my mind and the Lord brought that to my mind. And it was kind of like he said, “Monica, don't you remember that? If you're worried about someone. Instead of sharing those negative things, even with Charles, my husband, what would be more effective is if you prayed and asked me to bless that person, to help that person, you know, in the ways that they need help and ask me to help, you know, of ways that you could be a better example to that person. But you don't need to constantly draw attention because it's starting to make you be negative towards this person.”   And I just like right when the Lord said that to me, I was embarrassed. I was like, “Monica, that. Yeah. Like, how do you not know that? That you should know better than that.”   Well, so immediately I repented and I apologized to the Lord and I and I started doing what he asked me to do. And within just a couple of days, like I started just noticing all of the wonderful, lovely things that this person is and does. And so, just to me, that is miraculous and it happens all the time.   And if I'm humble enough to repent and to listen to the Lord, because the Lord wants to help us and he wants us to strive to be like him. But we've got to ask where we need to be corrected. And so, I teach etiquette, I teach we don't gossip.   And then lo and behold, I had kind of gotten myself in another trap again. You know, and I just I think it's a miracle what happens when we listen to the Lord. He immediately turns our mind to good, lovely, beautiful things and allows us to be a vessel of light instead of vessel of darkness.   And we can be that vessel of darkness just right inside our own marriage, even though we think that's kind of a safe place to maybe be a little looser with our tongue. So, there's one example.   Laura Dugger: (32:57 - 33:26) I love that. And I remember you also explaining whenever you get a thought in your head that you don't want to do, it's likely 100 percent from God. So, can you share a couple specific stories of times that that was the Holy Spirit telling you something that you didn't maybe want to do, but you obeyed?   I'm remembering something about a grocery store and another time separately about a phone call. Yeah.   Monica Irvine: (33:26 - 40:29) OK, well, I'll tell about the phone call just because it's less sad. So, yeah, one time there was this lady and she was just kind of investigating our church and starting to come to our church and kind of fill it out. So, I had just met her and I found out that her what led her to come looking for God is her husband was an addict and she was just at her wits end and their marriage and family was falling apart.   And so, she came looking for the for help for the Lord. And so, I learned a little bit about her story. I ended up taking her to one of those celebrate recovery places at another church because I knew they had a wonderful program.   And so, I had interacted with her a couple of times. I probably had only known her about a month when one night I was running late to take my kids to youth on Wednesday night and I was cooking some spaghetti and I was just, you know, cooking that spaghetti at the stove. And all of a sudden I had a thought come into my mind, “Call her.”   And, you know, I was like, oh, yeah, I do need to call her. I need to call and check on her. I will, you know, after church tonight.   And so, I, you know, kept cooking that spaghetti. And the second time the Spirit, because that's who it was talking to me, because that's who tells us to do good things. Not us, but God.   The Spirit said, “Monica, call her.” But I was running late and I was trying to get my kids fed and I was like, I will call her as soon as I get the kids fed, you know, drop them off at church and then I'll call her, you know, and so I really meant to call her. But I.   Finally, a third time, and it seems to always take me three times before I realize, OK, he means now. And so, a third time it was like “Monica call.” And so, it was so strong.   And I, I know it's the Lord, but I, I just turned the stove off. I went into my bedroom, got my phone out, dialed her number. And as it was ringing, she picked up the phone and all I heard was just some quiet sobbing.   And she couldn't speak. And I, you know, I said her name. I said, “Hey, so and so it's Monica. I just. I see that you're upset. I just wanted to call and check on you. In fact, the Lord insisted that I call and check on you.”   And then her, you know, her crying just continued. It wasn't until, you know, she had calmed down and she just said, you know, “Monica, I had been praying and just asking the Lord to just show me that, you know, show me that you care that this is happening to me.” Something like that.   And, you know, I, I, in that moment, my stomach kind of did that little knot because I knew how close I had come to just not calling. And sure, I could have called her an hour later. It would have been at least an hour later and maybe, you know, it would have mattered.   But the Lord knew that it mattered right in that moment. She needed an answer. She needed to know that the Lord was listening.   And I've learned that in my life, that whenever we get a thought that comes into our mind and that thought is to do something good, like calling someone, you all is a good thing. Visiting someone, writing a letter to someone. Those are good things.   And all good comes from the Lord. And sometimes I wonder, does the Lord trust me? Does he know I'll respond when the stakes are high?   You know, sometimes I think as we continue to learn how to hear the spirit, we have to practice. Oh, that was the spirit. And probably if you're like me, I've learned a lot about the spirit by not listening.   And then later going, “Oh, yeah, Lord, I did miss that. You tried. You tried to warn me, or you tried to get me to do that. And I dismissed it.”   But so, you all I just think it takes practice and I'm still practicing. But I do believe that especially when it's something that we don't really want to do or we think we don't have time. And I just realize I felt the Lord going, “Monica, do you not think I know you're cooking spaghetti? Do you not think I know you're running late? But right now, there's something more important I need you to do than to get your kids to church on time.”   And so, I think at some point we have to decide, do we trust Him or don't we? And if we trust Him, we have to trust Him completely. And that means when we receive a prompting that we will act quickly because the Lord knows what we're doing.   And He knows that we don't have the best relationship with that person. Yet you're feeling like you should call. He already knows that.   And it doesn't mean that everything's always going to turn out the way we think it will. Sometimes I think the Lord just wants us to know ourselves that we'll do what He asked us to do, regardless of how it will turn out. And sometimes I feel like the Lord has told me to do something and I did it and it didn't go well.   And I'm like, “Lord, like, why? Why?” And I know all of us, you all sit there and go, wait, was that my thought or was it God's thought?   And you know what I have learned is that just stop worrying about it. Just act in faith. And the Lord always backs up His people.   The Lord doesn't, as you and I are praying and striving to understand the Lord's will. And let's say we get an idea and so we act on it because we feel like it was a prompting and then it does not go well. I believe the Lord loves so much that you were trying to listen and be obedient and the blessings will come.   Sometimes we just don't know the timing or how, but we've just got to trust.   Laura Dugger: (40:29 - 43:59) I love that. And we never know what's happening on the other side of our obedience. And I'll link back to Brittany Price Brooker's episode because she was one who had lost her husband and was crying out to the Lord.   I think she was bathing her young children, and they didn't have food in the house and maybe they were sick. And the only thing that sounded good to their child was apples, but it was late at night. She couldn't go get them herself.   And she was just praying like, “Lord, do You see me? Do You know my needs? I need You to meet my needs.”   And right then the doorbell rings and somebody showed up and she said, “The Lord told me to buy you these apples and bring them to you.” And I think that highlights something else. You articulated it well when you say whenever you get that thought in your head that you something that you don't want to do, it's likely 100% from God.   I would say a lot of times too, it's also awkward or inconvenient. We don't know why. And then I think back to the Bible, Abraham was put in a very awkward situation with his son and Noah, that was very awkward to be building the boat when there wasn't rain.   But look at the blessing that comes on the other side of obedience. So, appreciate those stories are really helpful.   By now, I hope you've checked out our updated website, thesavvysauce.com, so that you can have access to all the additional freebies we are offering, including all of our previous articles and all of our previous episodes, which now include transcriptions. You will be equipped to have your own practical chats for intentional living when you read all the recommended questions in the articles or gain insight from expert guests and past episodes as you read through the transcriptions. Because many people have shared with us that they want to take notes on previous episodes, or maybe their spouse prefers to read our conversations rather than listen to them or watch them now that we're offering video rather than just audio. So, we heard all of that and we now have provided transcripts for all our episodes.   Just visit thesavvysauce.com. All of this is conveniently located under the tab show notes on our website. Happy reading.   So, at that same conference, when I heard you speak, you shared something that really stuck with me. This one was about our daughters. So, I want to talk about daughters first and then we'll move to sons.   But you mentioned there was this one study where over 3,000 men were surveyed. And they were asked, what's the number one quality that you desire in your wife? Either current wife or someday in the future when you're married.   And do you remember the response? Yeah, it was kindness. Kindness.   That she is kind. And so, I wondered, was there another side for the boys then too? What do you think women would say for their future or their current spouse?   What attribute do you think they would identify?   Monica Irvine: (44:00 - 47:35) It didn't have that for the other side, but a word that we don't use as much anymore. And I try to use it a lot is, I think most women, even if it wouldn't come to their mind immediately, once they heard it, they'd be like, oh, wait, no, yeah, that. And that is honorable.   They would want their husbands to be honorable. And to be honorable means that we do honorable things. And honorable things always 100 percent of the time require some level of sacrifice.   That's what makes them honorable when we sacrifice and give up our time, ourself in order to better someone else to help our country, our family, others. And so, I think today what we all want is for our spouses, husbands and wives to be kind and to live honorable lives. Those lives, it doesn't mean a perfect life, but to be honorable means we strive to have integrity.   We strive to be godly. We strive to do what we say we're going to do. We strive to live up to our divine nature as God called mothers and fathers and husbands.   And so, I would think to me that is the most important, because if you live an honorable life, then you honor God. You honor your marriage covenant. You honor your children by treating them and speaking to them with honor.   You honor your job. You make sure that you have integrity at work and that you're dependable. And the same goes for us women.   You know, but I think I think we all struggle with selfishness. I mean, that is ultimately what we struggle with every day is what do I want? What do I need?   What's important to me versus trying to live a selfless life for our spouse, for our family? Anyway, it would be interesting to do that survey, but I think what's so kind of funny about the kindness is that whenever I read that survey results that I had read years ago, when I say that to a crowd of women. And men, but when I say that to the crowd, you can always see I just see this rippling of women making this kind of gesture.   Or because they know that they could be more kind, because usually we can be kind to everyone in the world. But in the walls of our home, we struggle more with just kindness.   Laura Dugger: (47:37 - 48:00) And so if we go further upstream than before we're married, if that's what God has for us, what are practical ways that we can teach and instill kindness in our children and honorable character? Or any other practical tips for conduct?   Monica Irvine: (48:00 - 53:03) Yeah, well, I love when I do a workshop at a convention on a family of service, because honestly, when we have our children in our home, it's practice ground. We have once again a few years to help them learn to love the Lord and to love others. You know, the two great commandments, love me and love others.   Well, to me, the best way to teach our children to love God and love others is to get our children out and serving others. Because, as you know, typically, like, for instance, when someone calls us and says, “Oh, hey, Monica, hey, would you mind, you know, the Smith family, they just had their new baby. Do you think you could cook dinner for them one night next week?”   If you're like me, I'm going to say yes. And then I'm going to hang up. And then I'm going to have that anxiety because already my week is so full and I was already stressed out about how I was going to get all the things done I needed to get done.   And now I've just added another thing. And I'm not saying there are not times that we don't need to say no, because we absolutely have to say no sometimes. But my point is, I cook the dinner and I go drop it off.   And as I'm pulling, as we are pulling away from that home, how do we feel? Do we feel better or do we feel worse? Do we feel happy or do we feel sad?   Honestly, almost 100 percent of the time, y'all, we're going to feel happier. We're going to feel grateful. We're going to be grateful that we had the opportunity to cook that dinner for that sweet family.   We're going to be reminded of how sweet the Lord is to give us opportunities to be His hands and His feet and His mouth here on the earth. And so, we want our children to learn to love. To love others, but it takes practice.   It's not until you serve again and again and again that you start to realize that the secret to being happy, the secret to having peace in your life and love abounding in your home is when we lose ourselves in the service of others. It's the secret to fixing siblings arguing with each other. It's the secret to helping husbands and wives draw closer together and have more love for one another.   It's the secret to less contention overall, to more peace, to more joy and happiness is to lose ourselves in the service of others. And so, to me, if you want to raise if we want to raise honorable, kind, generous, compassionate, empathetic human beings, they've got to lose themselves. To find themselves and define God.   And so, yeah, I think that's the secret. And of course, Jesus Christ tried to teach us that over and over and over again. He tried to teach His disciples over and over again that if you love me.   Then love my sheep, feed my sheep, teach my sheep. And what's interesting is that you all. The more we do that, the more we serve and love others.   Do you know what I believe? I believe it's kind of like the Grinch. Remember when the Grinch's heart grew?   That's real. That's really what happens. The God expands our ability to love others.   And in doing that, it actually expands our deep love of God. I think it's so fascinating that that's the fruit of service is a deeper and abiding love of Jesus Christ. It seems like it would be the opposite, right?   Well, I've got to love Jesus more in order to have a greater desire to serve. But it's the opposite. He wants you to go serve when you don't really feel like it.   And he wants you to go serve when it's not convenient. And your kids are crying and no one wants to go rake her yard. And then the fruit of acting in faith and trusting God is the love.   Laura Dugger: (53:05 - 53:34) That's what I would do. That's so good. Such a good medicine or anecdote to selfishness and issues we're having in the home with our children and for ourselves.   Well, Monica, you have shared so much goodness with us throughout this conversation. Can you explain how you can help partner with us as parents to help us teach our children etiquette at neutral times? Like you said, when their hearts are softer?   Monica Irvine: (53:35 - 56:52) Yes. Yeah. So, we've got some awesome resources, parents.   And number one is we do have a parenting course called Rise Up Parenting. And it's just this beautiful 52-week course that you get lifetime access to in case it takes you three years to get through your 52 weeks. But it is a course for mom and dad, or mom, or dad by themselves.   But it's just a beautiful way to help parents focus on one parenting skill a week. I've learned that when we have purposeful parenting, when we focus on one improvement at a time because we can get so overwhelmed, like we want we want to teach our kids to be selfless and that be ambitious and to serve and share. And I mean, it's just, it's endless.   But the Lord is a house of order. The gospel of Jesus Christ is a house of order. And so as long as we're going in the right direction, y'all, we are successful.   And so, this parenting course teaches a biblical principle and then a parenting principle that are related and allows you to just make little increment steps of improvement. Because when mom and dad improve, it blesses your children. So that's the first resource.   And then the other two most popular resources is we just have two programs. We have a program called FUNdamentals4Kids that targets children preschool through about third grade. And it's so fun.   It's just these wonderful, fun board games, flashcards, songs, stories, crafts, where we try to encourage you to twice a week set aside 15 minutes of your school day for an official manners activity and watch what happens. So, we've organized it for you. And for the little kids, we found out that if they can play with it, sing about it, make some food with it, that it helps them to go, “Mom, let's do a manners lesson.”   And then they don't even know that they're being taught these beautiful, wonderful skills. So that is so wonderful. And then for kids about fourth grade through 12th grade, we have a course called Life Skills for You.   And it's just so fun and it's so effective. Basically, it's 142 little three-minute lessons. We once again just try to get you to commit to twice a week sitting down with your family, watching a three-minute lesson where I'm teaching the etiquette skill.   Plus, we show teenagers doing the skill the wrong way and the right way. So, it's kind of funny, but it just creates some really great conversation with the family. And so those are our top three selling product lines.   And you can find all of that on our website, theetiquettefactory.com.   Laura Dugger: (56:53 - 57:15) Thank you for sharing. We will certainly link to all of that in the show notes for today's episode. And Monica, you may be familiar that we are called The Savvy Sauce because savvy is synonymous with practical knowledge.   And so, this is my final question for you today. What is your savvy sauce? Yeah.   Oh, that's a hard one.   Monica Irvine: (57:15 - 59:06) I thought about this and I'm like, it's so hard. You all. Honestly, my savvy sauce is Jesus Christ.   It just is. I know sometimes we want the answer to be something else, but in all practical terms, it's Jesus. Meaning I start my morning out every day with Jesus.   I end every night with Jesus. I pray throughout the day and ask Him to help me make a decision. And I thank Him for all the beautiful things that happened to me throughout the day.   And I just He is this person, this real person that is at my side every day, all day, I hope. And that's how I do anything. That's why I am the mother that I am.   Not that I'm the best mother, but because of Him, I can mother and because of Him, I can be a good wife. And because of Him, I can be a good friend and I can minister to others through The Etiquette Factory. It's just it is Him.   And, you know, sometimes people will ask me, “Monica, I I want to have the knowledge you have or I want to be able to whatever parent the way it sounds like you parent.” And I'm like, you guys know, it's just it's called Jesus Christ. And Jesus will tell us all things that we should do.   And so my sauce is having a relationship with Jesus Christ. It truly is well said.   Laura Dugger: (59:06 - 59:24) And, Monica, you are such a gifted communicator and your heart of compassion is evident in your outward behavior. It's been such a joy to get to spend an hour with you today. So, I just want to say thank you for being my guest.   Monica Irvine: (59:24 - 59:43) Oh, thank you, Laura. And it's been such a joy. You're so kind.   And I appreciate the beautiful ministry that you're doing here on The Savvy Sauce. What a blessing for families to be able to just hear these resources that you've created. So, thank you.   Laura Dugger: (59:44 - 1:03:26) Thank you for being a part of it.   One more thing before you go, have you heard the term gospel before? It simply means good news. And I want to share the best news with you, but it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there's absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death, and we can never pay back the sacrifice we owe to be saved.   We need a savior, but God loved us so much. He made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life. We could never live and died in our place for our sin.   This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus. We can be covered and justified through the work Jesus finished. If we choose to receive what he has done for us, Romans 10:9 says, “that if you confess with your mouth, Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.”   So, you pray with me now. Heavenly father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you.   Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life? We trust you to work and change lives now for eternity. In Jesus name we pray.   Amen. If you prayed that prayer, you are declaring him for me. So, me for him, you get the opportunity to live your life for him.   And at this podcast, we're called The Savvy Sauce for a reason. We want to give you practical tools to implement the knowledge you have learned. So, you're ready to get started.   First, tell someone, say it out loud, get a Bible. The first day I made this decision, my parents took me to Barnes and Noble and let me choose my own Bible. I selected the Quest NIV Bible and I love it.   You can start by reading the book of John. Also get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ. I'm assuming they will be thrilled to talk with you about further steps such as going to church and getting connected to other believers to encourage you.   We want to celebrate with you too. So, feel free to leave a comment for us here. If you did make a decision to follow Christ, we also have show notes included where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “in the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

If you can't explain your deal in 60 seconds, you don't have a deal. You have confusion. In this episode, I break down why hiding behind spreadsheets kills momentum, confidence, and credibility with brokers, partners, and investors. Multifamily deals don't fall apart on paper first. They fall apart in your head. I walk through how real investors think about deals, how to explain fundamentals without Excel, and why clarity matters more than perfect underwriting. We talk markets, rents, expenses, cap rates, experience, and business plans—without rambling, jargon, or scenario overload. This episode is for anyone stuck "modeling one more version," second-guessing their numbers, or losing confidence mid-pitch. Simplicity creates clarity. Clarity creates confidence. Confidence creates momentum. Sharpen the axe. Stop overthinking. Start moving.

Jim and Saab have their differences–and that's why they work! This episode is for couples who love each other but don't do things the same way. One of you feels first, while the other thinks first. One adds to cart, and the other opens an Excel file. And somehow… it all still ends up working.We share the friction, the fights, and the small shifts in communication that helped us understand each other better over time. Because real love isn't about sameness, it's about learning how your differences fit, balance, and soften each other. Perfectly imperfect!This episode is powered by Cadbury Dairy Milk Valentine's packs! Use them as the perfect way to say to your loved ones, “I'm always late, you're always early” or “I go with the flow, you're the planner” They're available in stores nationwide and on Mondelez PH e-commerce sites.

We must choose to practice biblical generosity, motivated by Christ's gracious example rather than mere agreement with its principles.

We must choose to practice biblical generosity, motivated by Christ's gracious example rather than mere agreement with its principles.

F2 is the AI platform for private markets investors, automating due diligence and portfolio monitoring workflows with agentic AI. After building ARK into a digital banking platform that scaled from tens of millions to tens of billions in loan volume, Donald Muir developed AI technology to automate debt placement on ARK's marketplace. When upmarket institutional lenders requested access to the AI for their entire deal flow—not just ARK's marketplace deals—Donald recognized the technology's standalone value. In this episode of BUILDERS, Donald shares how he's commercializing enterprise-grade AI for an industry where he personally spent years in the private equity bullpen, and how F2 is addressing the reliability and trust barriers that prevent AI adoption in high-stakes financial decision-making. Topics Discussed How F2 emerged from ARK's internal need to automate debt marketplace screening memos The technical approach to eliminating hallucination in Excel-based financial analysis Replicating private equity's "super day" interview format to prove AI capability with live deal data Sales team composition: hiring ex-finance professionals instead of traditional sales reps AI's role in evolving private equity analysts from menial tasks to system operators Product roadmap from due diligence to portfolio monitoring to deal syndication platform Maintaining operational independence while preserving strategic alignment with ARK GTM Lessons For B2B Founders Solve your own hardest problem first, then productize: Donald built F2's core technology to scale ARK's debt marketplace, focusing on the most difficult engineering challenge—reliable financial analysis of unstructured Excel data—because the marketplace required it. This resulted in technology that foundation models still haven't replicated over a year later. The aha moment came when institutional lenders wanted the AI for all their deal flow, not just marketplace transactions. Organic internal development created category-leading capabilities and validated product-market fit before commercialization. B2B founders should identify which internal operational challenges, if solved, could become standalone products serving the broader market. Design sales processes that mirror how your ICP evaluates talent: Donald replicated private equity's "super day" format where analyst candidates receive a data room, laptop without internet access, and three hours to produce an LBO model and investment thesis. F2 runs identical timed tests—customers send live deal data rooms under NDA, F2 generates investment committee memos using their templates, and presents same-day results. This proves the AI can perform at the standard funds use to evaluate human analysts they hire 18 months before start dates. B2B founders selling into industries with rigorous talent evaluation processes should reverse-engineer those frameworks into product demonstrations that speak to buyer expectations. Prioritize credibility over sales experience in technical markets: Donald's entire sales team consists of ex-finance professionals who lived in the seat—no traditional salespeople. These reps can screen-share investment memos created that morning and discuss them authentically with MDs and principals using industry-specific language. After 4.5 years running go-to-market at ARK, Donald teaches sales methodology to domain experts rather than teaching domain expertise to salespeople. For deals averaging half a billion dollars flowing through the platform, buyer credibility outweighs sales polish. B2B founders in specialized verticals should evaluate whether domain fluency or sales pedigree matters more for their specific buyer personas and deal complexity. Engineer for auditability before optimizing for speed: F2 focused on eliminating hallucination and achieving mathematical accuracy—solving what Donald calls the "reliability and trust" gap—before addressing workflow efficiency. The company name references the F2 keystroke used to audit Excel calculations at 3 AM in the PE bullpen. This positioning directly addresses the barrier preventing AI adoption for investment decisions: LLMs hallucinate, can't do math, and lack auditability. Only after proving the AI produces auditable, trustworthy output did F2 layer on speed benefits. B2B founders building for high-stakes decision environments should identify the fundamental trust barrier and make it the core technical focus before feature expansion. Leverage institutional knowledge as competitive differentiation: Beyond automating existing workflows, F2 enables firms to pipe in decades of institutional knowledge via API—instantly benchmarking new deals against thousands of historical transactions by vertical, revenue size, leverage levels, and management quality. This transforms screening memos from isolated analyses into context-rich evaluations informed by complete firm history. The AI doesn't just work faster; it has comprehensive context that individual analysts manually searching SharePoint folders could never access. B2B founders should identify where accumulated institutional data creates compounding value beyond point-in-time automation. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

Episode Summary In this episode of Full Disclosure – Live!, DebtBook product leaders Stephen Yokim and James Perez sit down with Ana Machado, Director of Fiscal Services for Vista Unified School District in San Diego County, California, to discuss how school district finance teams balance broad operational responsibilities with tight reporting timelines — and how purpose-built software supports consistency, transparency, and team-wide confidence. Ana shares what her team oversees across Vista Unified's 27 campuses, including payroll, budgeting, accounting, purchasing, and procurement — plus managing general obligation bonds and certificates of participation tied to facilities. She highlights the importance of trust and transparency in public finance, and the role technology plays in building standardized processes across a large, segmented team. Ana also walks through Vista Unified's decision to adopt DebtBook in 2023 to support GASB 87 (leases) and GASB 96 (subscriptions) compliance. With hundreds of contracts to evaluate and new reporting requirements to meet, she explains why the district chose a structured system and hands-on implementation support over building everything in Excel. Today, DebtBook helps Vista Unified maintain clear schedules, generate reports and journal entries, and access the data needed to meet internal, state, and federal reporting deadlines. Finally, Ana shares how her team approaches professional development and knowledge-sharing — including how they use DebtBook University, webinars, and in-app chat support to reinforce training, navigate workflows, and onboard new staff. She closes with a look at what's ahead for Vista Unified: enrollment forecasting, budget development, and stakeholder engagement with the community and board of trustees. Featured Guest Ana Machado serves as Director of Fiscal Services for Vista Unified School District in San Diego County, California. In this role, she oversees fiscal services across the district, including accounting, budgeting, payroll, purchasing, and procurement. Ana joined Vista Unified in 2007, returned to the district in 2015, and has served as the Director of Fiscal Services since 2023. Top Takeaways From Session 03 (1) Standardization Builds Trust: With a broad finance operation supporting 27 campuses, Vista Unified prioritizes transparency and consistent processes — and views technology as a key driver of reliability across the team. (2) GASB 87 & 96 Compliance at Scale: Facing complex lease and subscription reporting requirements and hundreds of contracts to assess, Vista Unified implemented DebtBook in 2023 to create clear schedules, support journal entry reporting, and meet ongoing compliance needs. (3) Training That Scales With the Team: DebtBook University, webinars, and in-app support help reinforce knowledge, answer workflow questions quickly, and support onboarding as staff roles evolve over time.

Raids replaced audits, and guns replaced spreadsheets. Blake and David connect the dots from Minnesota's sprawling public-assistance fraud to a decade of IRS budget cuts and ICE crackdowns. You'll learn why enforcement shifted from prevention to raids, what California's one-time billionaire tax really proposes, how new AICPA rules could hit PE-backed firms, and why a botched audit didn't cost PwC its client, plus one pro tip to level up your Excel game.SponsorsOnPay - http://accountingpodcast.promo/onpayTaxBandits - http://accountingpodcast.promo/taxbanditsUNC - http://accountingpodcast.promo/uncChapters(00:00) - TAP 470 (00:33) - Minnesota Fraud Scandal Overview (03:18) - Historical Context and IRS Budget Cuts (08:34) - IRS and ICE Collaboration Issues (10:39) - Impact of Budget Cuts on Fraud (20:56) - Current Events and Political Reactions (26:17) - California Billionaire Tax Act (27:58) - Billionaire Tax Proposal Discussion (29:01) - Challenges of Implementing Wealth Tax (29:58) - Practical Concerns and Comparisons (34:24) - VRBO's Legal Battle with Michigan (36:46) - Private Equity and CPA Firms (47:17) - UNC Master of Accounting Program (51:11) - Excel World Championships Insights (55:27) - Earmark App for CPE Credits  Show NotesJudge hits pause on IRS sharing taxpayer information with ICE https://www.nbcnews.com/politics/immigration/judge-issues-order-blocking-irs-sharing-taxpayer-information-ice-rcna245262Federal Agents Pepper Spray Protesters During Tucson Taco Giro Raid https://www.themarshallproject.org/2025/12/05/tucson-ice-raid-protests-taco-giroPoll: Nearly Half of Americans Think Their Financial Security Is Worsening https://www.cpapracticeadvisor.com/2025/12/29/poll-nearly-half-of-americans-think-their-financial-security-is-worsening/175587/California Billionaire Tax Act (2026 Billionaire Tax Act - PDF) https://oag.ca.gov/system/files/initiatives/pdfs/25-0024A1%20(Billionaire%20Tax%20).pdfVrbo Parent Company Sues Michigan Over $18.8 Million Tax Bill https://www.cpapracticeadvisor.com/2026/01/02/vrbo-parent-company-sues-michigan-over-18-8-million-tax-bill/175675/AICPA Seeks Comment on Ethics Rules Update for Alternative Practice Structures https://www.aicpa-cima.com/news/article/aicpa-seeks-comment-on-ethics-rules-update-for-alternative-practiceWH Smith asks shareholders to support PwC despite audit error https://www.internationalaccountingbulleteen.com/news/wh-smith-support-pwc-audit-error/I won the Microsoft Excel World Championship. Here's what every office worker should know about Excel. https://www.yahoo.com/lifestyle/articles/won-microsoft-excel-world-championship-093001306.htmlNeed CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

   This special episode of WarDocs celebrates the 125th anniversary of the Army Nurse Corps by featuring four distinguished commanders: Colonel Margaret Berryman, Colonel Crystal Belew, Colonel Sarah Eccleston, and Colonel Briana Perata. Each guest shares her personal journey from commissioning to leading complex medical formations, highlighting how their foundational experiences as a nurse prepared them for the rigors of command.     Colonel Berryman introduces her "Five Ps" leadership philosophy—People, Purpose, Preparation, Partnership, and Performance—emphasizing that people are the military's greatest competitive advantage. Colonel Belew discusses the importance of proactive thinking learned in the operating room and her philosophy of "authentically caring" for both the mission and the personnel.  Colonel Eccleston reflects on building resiliency as a critical care nurse during peak conflict periods in Iraq and Afghanistan, advising leaders to "grow where they are planted" by excelling in every assigned role. Finally, Colonel Perata outlines her "Three Pillars" of leadership: Grit, Growth, and Grace. She emphasizes the necessity of grit in making difficult decisions, the continuous need for leader development and feedback for growth, and the humanizing power of grace and humility. Collectively, these leaders demonstrate that the nursing profession fosters critical thinking, prioritization, and an unwavering focus on people—skills essential to successful command at any level.    The episode also highlights the profound impact of mentorship, showing how senior leaders can recognize potential and shape the careers of junior officers. These stories of dedication and service offer valuable lessons for all military medicine professionals, regardless of rank or corps. Chapters (01:17-12:12) Leadership Philosophies at Winn Army Community Hospital: Colonel Margaret Berryman (12:12-21:45) Operational Medical Support and Authentic Caring in Germany: Colonel Crystal Belew (21:45-37:44) Building Resiliency from the Bedside to Hospital Center Command: Colonel Sarah Eccleston (37:44-46:44) Grit, Growth, and Grace at the Walter Reed Army Institute of Research: Colonel Briana Perata Chapter Summaries (01:17-12:12) Leadership Philosophies at Winn Army Community Hospital: Colonel Margaret Berryman discusses her 22-year career and her "Five Ps" philosophy: People, Purpose, Preparation, Partnership, and Performance. She emphasizes how staff nursing and strategic roles taught her to prioritize frontline personnel and recognize that policies can be questioned and changed to meet the mission. (12:12-21:45) Operational Medical Support and Authentic Caring in Germany: Colonel Crystal Belew describes her role leading operational medical support in Europe and Africa, noting how her background as a perioperative nurse taught her to think proactively and stay steps ahead. Her leadership philosophy focuses on "authentically caring" by being who you truly are with your troops and genuinely valuing people over the mission alone. (21:45-37:44) Building Resiliency from the Bedside to Hospital Center Command: Colonel Sarah Eccleston explains how nursing inherently builds leadership through independent decision-making and flexibility, specifically citing her experiences in critical care during war as foundational to her resiliency. She shares a mentor's advice to "grow where you are planted," illustrating how excelling in less-desired roles can actually provide the most significant preparation for future command. (37:44-46:44) Grit, Growth, and Grace at the Walter Reed Army Institute of Research: Colonel Briana Perata discusses how the Nurse Corps teaches prioritization and tough decision-making early on, which she buckets into the pillars of Grit, Growth, and Grace. She emphasizes accountability through grit, continuous leader development through growth, and humanizing leadership with grace and humble gratitude. Take Home Messages Prioritize People as a Competitive Advantage: Leaders must recognize that their personnel are their most valuable asset and that taking care of people directly enables the success of the mission. By focusing on individual needs and professional development, a commander can foster a team that naturally achieves high-performance results. Cultivate Proactive Thinking: Skills learned in clinical environments, such as the ability to anticipate needs and think several steps ahead, are directly transferable to medical command. Being proactive allows leaders to manage requirements effectively and remain prepared for unexpected mission shifts. Excel by Growing Where You Are Planted: Every military assignment has a purpose, even those that may not align with an officer's immediate desires or specialized background. Excelling in these roles builds a diverse portfolio of leadership experiences and often provides the most critical preparation for future command responsibilities. Lead with Grit, Growth, and Grace: Effective command requires the grit to make unpopular but necessary decisions and hold others accountable to high standards. This must be balanced with a commitment to continuous growth through feedback and the grace to lead with humility and genuine appreciation for the team. Authentically Care for Your Formation: Leadership is more than just a title; it is about making a human connection and genuinely caring for the personnel under your command. When leaders are authentic and focus on how they make their team members feel, they build trust, respect, and a more cohesive, high-functioning medical team. Episode Keywords Army Nurse Corps, military medicine, 125th anniversary, medical command, nursing leadership, Walter Reed, Winn Army Community Hospital, 519th Hospital Center, 29th Hospital Center, critical care nursing, perioperative nursing, medical mission, leadership philosophy, Army medicine, health care management, hospital command, grit growth grace, five Ps leadership, military nurse, nursing career, US Army, WarDocs Honoring the Legacy and Preserving the History of Military Medicine The WarDocs Mission is to honor the legacy, preserve the oral history, and showcase career opportunities, unique expeditionary experiences, and achievements of Military Medicine. We foster patriotism and pride in Who we are, What we do, and, most importantly, How we serve Our Patients, the DoD, and Our Nation. Find out more and join Team WarDocs at https://www.wardocspodcast.com/ Check our list of previous guest episodes at https://www.wardocspodcast.com/our-guests Subscribe and Like our Videos on our YouTube Channel: https://www.youtube.com/@wardocspodcast Listen to the “What We Are For” Episode 47. https://bit.ly/3r87Afm WarDocs- The Military Medicine Podcast is a Non-Profit, Tax-exempt-501(c)(3) Veteran Run Organization run by volunteers. All donations are tax-deductible and go to honoring and preserving the history, experiences, successes, and lessons learned in Military Medicine. A tax receipt will be sent to you. WarDocs documents the experiences, contributions, and innovations of all military medicine Services, ranks, and Corps who are affectionately called "Docs" as a sign of respect, trust, and confidence on and off the battlefield, demonstrating dedication to the medical care of fellow comrades in arms.   Follow Us on Social Media Twitter: @wardocspodcast Facebook: WarDocs Podcast Instagram: @wardocspodcast LinkedIn: WarDocs-The Military Medicine Podcast YouTube Channel: https://www.youtube.com/@wardocspodcast

You want to make sure that you have everything done correctly in your business, right?  One of the many important year-end tasks is to make sure that you are correctly paying and classifying wages.  There are many different entity types that businesses can be set up as, and depending on how you're your business is set up will determine how you pay yourself as a business owner, shareholder, or officer, especially if you are considered an S Corporation.  In today's podcast episode, I am covering the essentials of what you need to do when it comes to compensation, especially for the S Corporations who need to pay a reasonable compensation to officers and shareholder-employees.  It doesn't matter if you are using a computerized software system like QuickBooks, Xero, Wave, or FreshBooks for your business finances or if you are doing your bookkeeping manually with an Excel spreadsheet or even a Google Document, you need to make sure you are recording your payroll correctly.  Whether you are starting a business or side hustle, you're a self-employed individual, a solopreneur, entrepreneur, mompreneur, freelancer, small business owner, a remote, virtual, online, or in-house bookkeeper or accountant, a virtual assistant or VA, or other professional; listen in so that you are aware of how to classify and pay your wages as a business owner and avoid one of the major red flags out there… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community Schedule your Complimentary Stress Audit And Clarity Session, where we'll work together to create a clear and focused plan and overcome the obstacles that stand in your way so that you can move forward and immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

¿Qué pasa cuando el problema no es que “no sabes de finanzas”… sino que te saboteas cada vez que te acercas al dinero? En este episodio me siento con Marina Armendares, psicóloga que se enamoró de los números y que lo dice sin anestesia: el dinero no solo se administra, se procesa. Porque puedes tener el Excel perfecto y aun así vivir con ansiedad, culpa o vergüenza cada vez que revisas tu cuenta. Hablamos de la vergüenza financiera (esa que te hace esconderte), del control como mecanismo de supervivencia que a veces termina asfixiándote, y de por qué “ganar más” no arregla nada si sigues tomando decisiones desde el miedo. También entramos en lo que casi nadie quiere tocar: cómo tu relación con el dinero se mete en tu pareja, en tu emprendimiento, en tu energía… y en tu identidad. Es una conversación para quienes quieren ordenarse sin castigarse. Y para quienes están listas para dejar de repetir el mismo patrón con otra tarjeta, otro sueldo o otro “ahora sí”.

In this first episode of Future Finance for 2026, hosts Paul Barnhurst and Glenn Hopper take time to reflect on how AI actually showed up in finance over the past year, and what that means going forward. Without a guest, the conversation focuses on real experiences, observations, and lessons from working directly with finance teams, CFOs, and operators who are navigating AI adoption day to day.Paul and Glenn discuss how individuals have become far more comfortable using AI tools in their own work, while companies as a whole have moved much more slowly. Topics include ongoing data quality problems, hesitation around governance and security, and why many organizations still struggle to integrate AI into core systems and workflows. They also share their thoughts on notable developments from 2025, including OpenAI's shift toward consumer use, Microsoft Copilot's mixed results, Google Gemini's rapid improvement, and Nvidia's continued growth.In this episode, you will discover:How AI adoption differs between individuals and organizationsWhy poor data quality still limits many finance teamsWhat recent changes from OpenAI, Microsoft, Google, and Nvidia suggestWhere Microsoft Copilot works well today and where it falls shortWhy automation and basic app-building are becoming more importantPaul and Glenn share concrete examples from Excel, Outlook, reporting, and close processes. They also emphasize that banning AI use is no longer realistic and that clear guidelines matter more than strict restrictions.Join hosts Glenn and Paul as they unravel the complexities of AI in finance.Follow Glenn:LinkedIn: https://www.linkedin.com/in/gbhopperiiiFollow Paul:LinkedIn - https://www.linkedin.com/in/thefpandaguyFollow QFlow.AI:Website - https://bit.ly/4i1EkjgFuture Finance is sponsored by QFlow.ai, the strategic finance platform solving the toughest part of planning and analysis: B2B revenue. Align sales, marketing, and finance, speed up decision-making, and lock in accountability with QFlow.ai. Stay tuned for a deeper understanding of how AI is shaping the future of finance and what it means for businesses and individuals alike.In Today's Episode:[02:47] – How Individuals vs. Companies Used AI in 2025[06:12] – OpenAI, Monetization, and Market Signals[09:27] – Google Gemini's Turnaround[15:56] – Big Models vs. Specialized Tools[21:21] – Consumer AI and Platform Control[26:26] – Real Copilot Use Cases in Excel[35:28] – What Finance Professionals Should Focus on in 2026[39:31] – What Finance Leaders Need to Do Now[41:45] – Automation, Vibe Coding, and What's Next[43:07] – Final Thoughts and Closing

Attorney Arlene Haeggquist, survivor advocate and legal powerhouse, shares how women can take legal action against workplace sexual harassment, assault, and abuse. Learn documentation strategies, your legal rights, and how to empower yourself through the court process.   This episode covers: ✨ Workplace sexual harassment and assault—50% of women experience it ✨ How to document abuse for legal cases (emails, screenshots, timestamps) ✨ Your legal rights as a survivor of workplace abuse ✨ Breaking the silence: why reporting matters ✨ Building support systems during litigation ✨ Toxic workplace culture and power dynamics ✨ Healing from financial abuse and exploitation ✨ Arlene's story: From abuse survivor to advocate for thousands   Perfect for survivors, advocates, and anyone wanting to understand workplace rights, boundaries, and legal empowerment.   Your journey from victim to survivor to thriver starts here. If you're ready to reclaim your life and learn from others' healing journeys, hit subscribe and join our community of resilient souls. Have a story to share? Email us at HealingFromEmotionalAbusePod@gmail.com —we'd love to feature your questions, healing strategies, opinions and survivor testimonies on the podcast.   Transcript of Episode:    

Do we all really need a budget? And if we do… why does it feel so intimidating (and kind of boring)?In this episode, we’re reframing budgeting as something a little less restrictive—and a lot more useful. You’ll hear why budgets aren’t about rules, and how a good budget can actually help you say yes to more of the awesome stuff in life. We chat to Reagan White from Where’s My Money about how getting real with the numbers helped him avoid financial panic, and we ask Ruth Henderson (aka The Happy Saver) whow your personality can shape the kind of budget that actually sticks—especially when you’re budgeting with someone else. Plus, we’ve got a simple activity to help you plan for those sneaky annual expenses (hello birthdays and Christmas) before they sneak up on you again. This is the third episode of the Wealth Kick, a limited series to change your perspective on money for the new year. Until the end of January, we’re serving up a little financial soul-searching, easy exercises you can use anywhere, and a few wacky stories. This is the third episode of the Wealth Kick, a limited series to change your perspective on money for the new year. Until the end of January, we’re serving up a little financial soul-searching, easy exercises you can use anywhere, and a few wacky stories. Disclaimer: Shared Lunch is brought to you by Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions can be found on our NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

Is Stone Island actually worth the price? What lifestyle requires techwear? Is Timothee Chalamet overrated? Why does Lady Gaga feel less authentic than Charli XCX? What is gooning, and how did it end up in Harper's Bazaar? This week, Sol and Michael sit down with Shane O'Neill, writer for The Washington Post's twice-weekly pop culture newsletter "Seriously?," to unpack the weirdest corners of the internet and how they intersect with fashion, music, and modern masculinity.The trio explore the techwear vs. lifestyle debate, why Stone Island might be "a little more serious" than necessary, the complicated appeal of Timothee Chalamet vs. Pedro Pascal, and whether Madonna's Celebration Tour was genius or needed a creative director. Shane defends his take on why Charli XCX feels more genuine than Lady Gaga, the overlooked brilliance of the Blue Man Group's first album, and how his job at the Washington Post lets him explore everything from competitive Excel spreadsheet championships to extremely niche fetish communities on TikTok.The conversation goes off the deep end: gooning culture and how Shane learned about it years before it hit mainstream media, why Jeremy Scott is "the Taco Bell of fashion" (complimentary), the NFL's official stylist whose college thesis connected SpongeBob SquarePants to the Arab Spring uprisings (not a joke), and why most luxury fashion houses are actually perfume or shoe companies pretending to sell clothes. They also discuss the Ice Spice SpongeBob movie premiere outfit controversy, why people pay to stand motionless at techno clubs, and Warped Tour nostalgia.Other topics include: Devoa, the Saint Laurent SS16 Surf Sound collection, ASICS x Comme des Garçons sneakers, the oura ring and Palantir data concerns, extreme fitness culture and dissociation, Russian seal best friends named Kroshik and Shlissik, and competitive Excel spreadsheet merch.We hope you enjoy!Lots of love!Sol---Episode Tags: Shane O'Neill, Washington Post Seriously, fashion podcast 2026, gooning explained, gooning Harper's Bazaar, Jeremy Scott fashion, menswear podcast, streetwear podcast, archive fashion, internet subcultures, TikTok algorithm, competitive Excel spreadsheets, niche communities, oura ring review, Ice Spice stylist, men's fashion trends 2026, Kyle Smith NFL stylist, Alexander McQueen shoes Sol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a month Links: Instagram TikTok Twitter/X Sol's Substack (One Size Fits All) Sol's Instagram Michael's Instagram Michael's TikTok

Tuck into Tuesday's helping of Dave's Bad Jokes.

Welcome back to #WithSONAR! This week, we're diving into Batch Rate Intelligence, SONAR's multi-lane pricing tool designed to support short-term pricing decisions and RFP strategy with downloadable, market-aligned rate intelligence. In this session, you'll learn how to: -Access Batch Rate Intelligence within SONAR applications -Upload lanes using the downloadable template or work directly in the UI -View real-time broker-to-carrier spot rates updated daily -Compare spot and contract rates (where available) to evaluate margin and spread -Understand lane scores to gauge capacity difficulty and pricing leverage -Monitor daily rejection rates to anticipate spot rate pressure -Export full datasets for Excel-based RFP analysis and customization Batch Rate Intelligence is an add-on within SONAR and is especially valuable as we head into RFP season, helping ensure your pricing reflects real-time market conditions.

Today's guest is Thomas Holmes, Chief Actuary for North America at Akur8. Holmes focuses on how actuarial teams can modernize pricing and reserving with automation and AI while maintaining governance and actuarial soundness. Thomas joins Emerj Editorial Director Matthew DeMello to discuss why pricing and reserving modernization is hard to execute in practice, and how insurers can adopt AI with the governance and explainability actuarial teams require. The conversation also covers starting with a clear problem statement, avoiding generic "bolt-on" AI approaches, and targeting small wins that deliver measurable workflow and cycle-time improvements. Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on the 'AI in Business' podcast. This episode is sponsored by Akur8. Learn how brands work with Emerj and other Emerj Media options at emerj.com/ad1.

In this episode, 10 Family Office Myths exposed (and debunked). https://youtu.be/j1cgcZZcRBM Welcome back and Happy New Year on the Wealth Actually podcast. I’m Frazer Rice. We have a fun show today where we talk about 10 myths in the family office space. Mark Tepsich, who runs the family office governance practice at UBS is here as we dish into the ideas and concepts that are misunderstood in the family office world. Summary This conversation delves into the complexities and myths surrounding family offices, exploring their structure, governance, and the unique challenges they face in wealth management. The discussion highlights the importance of understanding the specific needs of families and the role of family offices in managing complexity and preserving wealth across generations. It also addresses common misconceptions about family offices, including their necessity, governance, and their relationship with institutional investors. Takeaways Family offices are established to manage complexity in wealth.Not all family offices are the same; each has unique needs.Governance frameworks are essential for effective family office management.Many family offices outsource functions rather than internalizing them.The myth that 85-90% of family offices shouldn’t exist is false.Shirt sleeves to shirt sleeves is a debated concept in wealth preservation.Family offices need to adapt to the evolving needs of families.Investment functions in family offices are often secondary to administrative roles.Family offices are driven by complexity rather than just size.The future of family offices may involve more direct investment opportunities. Chapters: Family Office Confidential 00:00 Understanding Family Offices: Myths and Realities02:02 The Complexity of Family Office Structures04:37 Debunking Common Myths About Family Offices06:17 The Role of Outsourcing in Family Offices07:54 Generational Wealth: The Shirt Sleeves Myth10:51 Flexibility vs. Permanence in Family Offices12:48 Governance and Decision-Making in Family Offices15:49 Investment Functions in Family Offices18:05 Size vs. Complexity in Family Offices20:09 Family Offices vs. Institutional Capital21:19 The Aspirational Nature of Family Offices23:30 The Relationship Between Family Offices and Institutions25:36 Technology in Family Offices: Current Trends29:03 Family Offices and Private Equity: A Comparative Analysis Myths 85-95% of FO’s should not exist vs. “there is no such thing as a family office’ Family office internalize everything A Family Office Anchored by an operating business is the same that is one funded solely by liquidity event Shirtsleeves to Shirtsleeves is myth Family offices are designed to be permanent’ Family Offices don’t need high end (almost SOX) like governance Family Offices are driven by net worth (no, by complexity) Family Offices are built on a robust investment function (no, it”s complexity management- often rooted in bookkeeping and accounting) Family Offices are like institutional Capital (no, many more motivations than pure returns- including whimsy and the knee-jerk ability to override the IPS) Family Offices are the right result for a career (they could be, but it is extremely unlikely- a lot of things have to be “just right” and there is little to know patience for development Family Offices make great wealth clients (very much depends on the function and the product- they can be difficult consumers) Family office tech is best – in – breed (No and it probably never will be) Family offices shun Large institutions (Surprisingly, no- needed for deals, expertise, and most importnatly financing and introductions) Keywords family offices, wealth management, governance, investment strategies, family dynamics, myths, financial planning, family wealth, complexity management, family governance Transcript: Family Office Myths Busted Frazer Rice (00:04.462): Welcome board, Mark. Mark Tepsich: Hey, Frazer, good to see you again. Appreciate the opportunity. Frazer Rice: Likewise. So let’s get started first. We’re going to go into some of the myths around family offices. But you really participate in kind of an interesting subset of that in terms of helping families design and govern them. What exactly does that mean on a day-to-day basis for you? Mark Tepsich: Yeah, good question. So, you know, it means a couple of things, right? So if you think about a family office, you have families that are at the inception point, right? Where things are getting too complex for them. They need to set up some sort of infrastructure. And it’s really like, what is a family office? What can it do for me? What are the pros, cons, and trade-offs? Where do I start? What’s the infrastructure, the systems? Who do I hire? How do I structure a compensation? So you’ve got families maybe coming at it. From post liquidity event, maybe coming at it from, we need to lift up, lift out this embedded family office out of the business to, hey, we’re an existing family office. We’ve got, you know, we’re evolving, right? The family’s growing, their enterprise is changing, the world around us is changing. People are leaving the family office, the next gen’s getting incorporated into the family office in some way. We’ve got some questions that could be, how do we engage the next generation through the family office? Mark Tepsich (01:21.614): How do we make decisions, communicate around our shared assets and resources, which could be a portfolio, maybe even a business, or hey, how do we come together and hire? What is this profile of this person look like? Who should we hire and not hire? What’s the structure of their compensation, carry co-investment, leverage co-investment? What’s the tech stack look like across accounting, consulting, reporting? Now, how do we insource and outsource? So it’s sort of. I like to call it organizational capabilities. So, you know, sometimes it’s soup to nuts, like starting from zero, other times it’s, we’ve been around for a long time, but we have a couple of questions. So that’s kind of my day to day. And, you know, I’ve been living this really since 2008 pre-global financial crisis. Frazer Rice So we’re going to go into, I think, some of the craziness of the family office ecosystem where we have people who wear many hats, people who wear masks, some people who are jokers and other people who are really good technicians and provide a lot of great insight. One of the things you were talking about is that the different types of mandate can be different. And I think maybe one of the first myths we should tackle is the The bromide that if you’ve seen one family office, you’ve seen one family office, which is thrown around at every family office conference and everybody chuckles for a minute and then it sort of washes away and no one cares anymore. What do you think about that statement? Mark Tespich (03:19.006): So I don’t necessarily think it’s true. And here’s what I mean. Let’s make an analogy to this, right? A business needs certain core infrastructure to just operate, right? And using accounting back office, you know the inflows, the outflows, you know, if you’re make a decision, these are the steps you have to go through. And so a family office, right? It needs to incorporate that, but it needs to incorporate it with the family and the family enterprise that is existing for that family, right? So, yeah, each family office is different because each family is different, but that’s like saying you’ve seen one business, you’ve seen one business, right? The strategy could be, the culture could be different, but, you still need some core operating infrastructure. And again, there’s accounting infrastructure, and that’s the basics, right? So there’s a curl of truth, but largely I think that it is false. Well, and at the same time, yes, families are different, but in general, families are trying to get to the same place, which is, know, they want to steward the wealth. They want to make sure it benefits the family and the other constituencies. And they want to make sure that it’s preserved over time. And those functions, you know, it’s very infrequent. You’d find the functions not there. And so how you get from A to B may be different, as you said, but there are a lot of universal truths to setting one of these things up. Frazer Rice So one of the other myths that we’ve come across is the idea that 80 to 90 percent of family offices shouldn’t exist. is, people and families set these up for, let’s call it the wrong reasons. Maybe it’s fear of missing out, maybe it’s great cocktail party chatter, maybe it’s an overdiagnosis of their needs. What do you think about that? Mark Tepsich Again, false. know, family offices are largely a function. They largely exist because there’s a market scale here. And what I mean by that is when you look under the hood at a family office, you’ve got basics of an accounting firm. You’ve got basics of an investment slash wealth management firm. You’ve got the basics of a legal slash tax firm. And then you’ve got essentially everything in between. And when you look at professional service firms out there, They can’t provide all of those under one roof, whether compliance or regulatory reasons. But the other reason is because no business model out there can really scale the complexity that each one of these families has. So yeah, you could outforce a lot of this stuff, but at the end of the day, family offices often exist because of a market failure. so, false, 85 to 90 % of family offices should exist. Frazer Rice (05:41.164) One of the other things, I’ve been around enough of these getting set up, is that the family office, if we get into sort of a technical structure, such that you set up a structure so that you’re able to deduct the expenses related to administering the wealth around that, that’s a valid reason to do things in addition to the organizational component. So I agree with you that there’s, to say that they shouldn’t exist is sort of belying the notion that these functions should take place internally. And I think you spoke to that. And I guess that gets to another myth, which is that family offices should internalize all of these functions. You just talked about it a little bit, that that’s not a great business model either. Mark Tepsich No, mean, yeah, so, you know, 85 to 90 % of family members out there, you just use that statistic, outsource a fair amount of things, right? And what that means is let’s just use tax counsel, for instance, right? This is something that these issues exist in every family office, they exist for every individual, but at the end of the day, should you have, you know, a tax counsel in-house in a family office that’s only doing, you know, income tax advisor work? Probably not. For 95 % of family offices because the frequency just isn’t there, right? So, you if you look at general councils alone, right? So they should have a broader mandate than income tax. should have well-transferred estate planning. Every family has those issues, but do they have the frequency to warrant bringing that individual, that professional and the rate, the cost? Probably not. a lot, you know, most family offices outsource a fair amount of whether it’s investment management, manager selection and due diligence. So false. Most fair amount offices do outsource a fair amount. Frazer Rice (07:31.374) One the things, this is one of my favorite controversial topics in the family office ecosystem of vendors that are out there is this notion that shirt sleeves to shirt sleeves is a myth. that the, and for those who don’t know what that means is, know, the first generation has generated the wealth, the second one enjoys it. And then the third one for a variety of reasons is ill-equipped to carry the wealth forward. And then everyone kind of goes back. It transcends culture. It’s lily pad to lily pad. You know, there’s a British version and a Russian version and whatever version. But the advice ecosystem around this is such that there’s a lot of debate about the statistics that have, quote unquote, proven that. And I can listen to that and say, yes, those may be very narrow. But there is a myth out there that shirt sleeves to shirt sleeves is a myth. Maybe you have some comments on that. Mark Tepsich Man, this is a tough one. I will say this will probably be the toughest one. So I think once a family becomes wealthy, right? And you can kind of define that as, the wealth, meaning the financial wealth will last a few generations with really out, with really nobody working, right? Let’s just define it that way. It’ll last a couple of generations if you make some not dumb decisions, we’ll call it. I think such as the financial markets today, right, as long as you’re diversified, you will stay wealthy. Does that mean you are going to have the same amount per capita over time? Maybe not, right? So if you look at it today, is a nuclear family of four, and you look at it 50 years from now, and the family is 30 people, right? I don’t know what the growth rate would have to be on those assets. So I think the family will remain wealthy whether they remain, you know, on a per capita basis, right? That’s a different story. I think what this is missing, however, I think the numbers kind of overshadow what this is getting at. I think when you look at it, when you take a step back, that first generation wealth creator, right? Will the family continue to be builders and entrepreneurs down the road? Frazer Rice (09:50.26) That I think that’s the question. Will they continue to kind of reach their full potential? I think that is that should be the focus. I’m going to punt on this one. I think it’s TBD and it’s there’s no set answer. I think the idea that the returns, To get back to your point is that as you go from generation to generation, the complexity increases, I’d say geometrically. Whereas the assets in many ways are going to be designed to increase linearly. And so at some point it may be 14 generations down the line when you’ve got 300 people that you have to take care of, are those assets gonna be in place to be able to support the level of living that people expected in generation one, two, and three? I think that’s the equation we’re all trying to fight. And so I’d say while Shirt Sleeves to Shirt Sleeves isn’t necessarily a prophecy, it’s definitely something that has to be addressed. So I’m gonna say that the fact that Shirt Sleeves to Shirt Sleeves is a myth, I think that’s the myth. Mark Tepsich So that’s where I draw my line in the sand there. think there’s an equation you constantly have to fight. Okay, so here’s another one. Family offices are designed to be permanent. I happen to think that they start out trying to be permanent, but in actuality, they really have to be more flexible and flex with the needs of the family, even at the first or second generation. Yeah, I would agree. Often they’re established for a good reason, right? That reason is complexity. Whether that complexity continues to exist for the family is a different story, right? You might have a business being sold. The family might just say, “hey, we don’t need to do all these direct investments, these alternate investments. Let’s just keep it simple, keep it passive.” I don’t think they’re designed to be permanent. I think families don’t really think about that too much. They want to exist for probably the existing generation that’s leveraging it and they wanna transition it, to your point, be flexible over time. But I don’t think anyone like a business, right? If you think about a business, the business generally speaking, it’s meant to exist in a perpetuity. That’s why you have a business, right? It’s not a sole proprietorship, but a family office, I think it’s TBD, right? So, you know. I don’t think anyone’s setting up a family that will say this is going to exist a thousand years from now. And I think if they came out and said that, think that it would add question and motivations. Frazer Rice Maybe we may be welcoming the Martians, we may be speaking Mandarin. There’s a thousand things that could happen in between here and then, that’s for sure. Here’s a myth that I think you and I are both going to agree is one, which is that family offices, for the ones that we think are going to try to persist, don’t demand necessarily Sarbanes-Oxley or high-end governance. Mark Tepsich I think as family offices mature, meaning as the family evolves, they do need some sort of decision-making framework. Especially if they’re going to really come together and act like somewhat of an institution. What I mean by that is, under the hood of a family office or under the hood of a family, let’s say there’s 10 family members. Let’s say there’s 20 to 25 trusts within that. You know, you could come together and pull your assets, right? And pull your resources. That’s part of the reason for having a family office. And so you just have a larger pool of capital. When you’re doing that, you do need governance. Okay? But if you’re gonna have, it’s just like, hey, we’re gonna have our separate portfolios. We’re not gonna come together and have pooled investment vehicles. You might not need an investment company, okay? And there might be good reasons to have an investment committee. In fact, many the investment committees I see, they’re not like college endowments where, we got eight people or nine people on here. We need to agree at least have five people to agree to allocate to this manager or change the allocation or change the IPS, depending on where that authority resides. I often see many investment committees for families, hey, we’re just collaborative in nature. We’ll get together. We’re going to have a meeting and talk about different strategies. Different advisors, things we should be doing. But if they’ve always had to agree at the family business level, they might not wanna have that same construct in the family office slash investment portfolio. If they’ve always struggled, know, come into agreement at the family business, now they’re gonna like, hey, we’re gonna recreate this dynamic. don’t have a binding construct. In fact, we ran a report, it’s coming out hopefully in the next couple of weeks. on family enterprise governance and a component obviously is the investment committee. 70 % of the investment committees out there are advisory in nature, meaning they don’t make binding decisions. They take it back to the trustees or whoever the authority is and they say, hey, here’s what we think, right? So individual family investors, whoever that is, co-trustees, it’s a, okay. So I do think governance is important, but it depends on what you mean by that, right? Should there be an IPS in place? I 100 % think that each family investor should have an IPS in place. The biggest mistake I see there is, hey, we’ve got this shared pool of capital. We’ve got 50 trusts. We’ve got one single IPS, right? I think that is a big mistake. don’t think that’s good governance. So it really depends on what you mean, but I think, yes, there should be some decision-making framework that you’re following. Otherwise, what exactly are you? Adhering to it, right? Like, what is your framework? What is your decision making tree? Frazer Rice (15:53.902) On top of that, possible myth. Family offices are built on a robust investment function. I mean, yes, there are some that are like that, right? You know, there’s a big names out there, MSD, Pritzker, so on and so forth. Those are the exceptions rather than the rule. Most family offices, 85 to 90 % are formed to manage the complexity, right? So again, otherwise you’re gonna have all these outsourced providers and that just doesn’t make sense when you’re trying to make a decision, because you need all the different parts to come together. They’re often built as administrative functions first, rather than, we’re gonna go start the next, you know, a private equity firm. that’s false. Frazer Rice The, as I like to say, probably to the boredom of a lot of people who talk to me a lot is that a lot of these really are built on a bookkeeping or an accounting spine. You’ve got to manage the inflows and outflows of everything and keep track of what you have or else you can have a great investment function, but things are going to spill all over the place. Mark Tepsich (17:30.872) I’ll never say, yeah. mean, and that actually goes back to good governance, right? So I always say, it’s not provocative. I’ll say, listen, this is not a provocative answer, but you need to create that first. And most of the people that are considering this rate are business owners. So they’ll intuitively get that. In fact, that function might exist somewhere at the business, but it’s really not organized. And without that function, like, it’s hard to make a decision, right? If you’re going to allocate 20 % of your portfolio, to private equity drawdown vehicles. got cap calls, capital commitments, distributions, like that needs to be budgeted and forecasting, right? So a lot of these families will have, one nuclear family can have three to four homes, 10 bank accounts, 20 entities. It’s not like a single piggy bank that you could take cash out of and move it every which way, right? Those are owned by different vehicles, different trusts, different assets and things like that, so. Frazer Rice Here’s a myth that I espouse which is Family offices and whether you have one or not is driven solely by size whether you have five billion or two hundred million or something like that that if you aren’t a certain size you shouldn’t have one and if you’re Of a certain size you must have one. Mark Tepsich That’s a myth. It’s driven by complexity first. I’ve seen, I’ve spoken to people that are worth two to $3 billion. It’s concentrated in a few stocks, meaning like they were early stage employees, right? They’re still in it. They’re getting a healthy dividend at this point. Guy talked to couple years ago. He had two homes, two cars, probably 95 % of his network was tied up into two separate securities that were probably traded. And he’s like, I don’t think I need a family office. You want to know what one was, what it could do from. And I’m like, listen, if you don’t have the complexity, it probably doesn’t make sense. Okay, if you can make a decision within whatever framework you have, whatever complex you have. Now, the other, you know, there is a cost factor to it, right? It gets easier to start a family office, meaning hire a couple of people, if you’ve got the… asset base for it to make sense on a cost perspective. So most of the time it’s driven by complexity, but cost does become a factor, right? If you’re worth a hundred million dollars, you’re to go hire 10 people. That probably doesn’t make sense. Frazer Rice (19:28.342) Right. Well, on top of that too, if you, and there’s a sort of the difference between a family office driven by a liquidity event and meeting that’s, that’s all you have versus a family office that’s tethered or sorry, a family business that’s tethered to it, that is also generating cash flows to help pay for things that that’s a big part of the decision. Because if you’re hiring people, you know, a CIO minimum, absolute minimum is probably $500,000. They’re going to need people, you know, you’re looking at at least 3 million. just to get the thing up and running before you start figuring out what you actually have to do. And so the concept that the size is going to dictate completely, it underscores sort of that cost component that you described there. Frazer Rice This is an interesting one and I like this concept to talk about. Family offices are like institutional capital as investors. Mark Tepsich Again, myth, there are some, again, there are some that are like institutions. They have the size and the sophistication. Oftentimes you see them, they’re former PE or hedge fund founders, right? That just aren’t doing any more of it. They made their wealth in the financial ecosystem, in the markets. And so they’re very sophisticated. But by and large, I mean, they’re sort of quasi-institutional, right? So I’ve seen multi-billion dollar family offices that Again, they’re more of the administrative hub rather than, we’re gonna be splashing around and playing in the markets and using a lot of leverage and doing a lot of control equity investments. So by and large, it’s the myth. 85 to 90 % are institutional-like. They are there to fill a need and that need is complexity management. Frazer Rice Here’s one on a different angle, which is family offices are the goal for people in the wealth management industry to work for, meaning family offices are a great aspiration for people who work in the industry and that that’s universal. Mark Tepsich (21:34.35) Myth, I think it’s an option. I think it’s interesting. I think it is a growing opportunity for folks that work in, you know, maybe wealth management or investment management or the financial ecosystem. But you didn’t, again, family has been around for a long time, but they’ve really only became, you know, kind of popular post global financial crisis with the rise of PE because of ZERP. You know, I’ll talk to a lot of people that are like in the hedge fund ecosystem looking for a change, right? And I say like, listen, like these opportunities for you are out there, but it depends on the family. It depends on their compensation philosophy as on the culture that you’re going to have to live within. There’s a lot of key man risk. Is it an opportunity? Yes. But again, it is, it is family office by family office. Frazer Rice I tell people too, it’s for people who are used to having lots of clients or lots of institutional support that is going to be a shift. It’s different to have one client. It’s different to have a scenario where the business of a family office, the business model of that particular family office can change on a dime. And if you don’t share the last name of the family you’re working for, you could be in a tough spot. Mark Tepsich Yeah, “we’re gonna build out a sustainability impact portfolio. We’re gonna build out, we’re gonna have a direct investment initiative. We’re gonna allocate whatever, a few hundred million dollars to it.” That person, that professional gets there and then a year or two or three years goes by and the strategy changes because a family member too had to change a heart. And then it becomes, okay, why am I here? Where am I gonna go now? So again, they could be great opportunities. I had a great experience.but it really just depends on the family. Frazer Rice (23:26.894) Here’s one, and you’ve got UBS over your shoulder there, so this is dramatic foreshadowing in some ways, but I think it bears talking about. It’s that family offices shun the large institutions, and that they want it bespoke, they want something peculiar all the time. What do you think about that? Mark Tepsich No, I mean, it goes back to the earlier myth that, you know, basically we’re saying family office should, family office do outsource a lot, right? So again, most family offices are five to eight people, right? I call it family office island, meaning you’re there on the island and you’re like, what is going on outside of the island or off of the island? You know your island really well, right? You know the family, know all the facts inside and out, but they are, I mean, there’s a reason why all these institutions, including UBS, has built out the resources to cater to family offices, right? I’m the perfect example. They brought me on to help our clients build family offices, right? They would not do that if it was gonna cannibalize their business. So they could be great clients and other times it’s like, hey, we’re very insular and we’re gonna keep everything close to the vest. Again, it’s family office to family office. But by and large, they’re great wealth clients. Frazer Rice No, and they also, you know, they need institutions to partner with of size, whether it’s at custody or lending or any number of other functions that are out there. Sometimes, you know, the RIA space is such that, you know, they try to be all things to all people and the appeal of being in, you know, the billionaire space. It takes a lot of people and a lot of effort and frankly a different business model to deal with that and to just sort of wander in and say we’re great and we can do these things. I think that’s a short road for a lot of institutions. Frazer Rice (25:17.602) Again, like we are brutally honest too. And I’ll, and here’s what I mean by that. Well, like we’re rated a lot of things, but I’ll say like, listen, there’s things that we can’t do for you. We can’t be your accounting back office, right? Like we just don’t offer that. We don’t have it. We’ve got a couple firms that would do that. They’re pure plays on it. So they’ve got to be good at it. but you know, use the various institutions for what they’re good for. They’re, know, again, that’s why you’ve got a family office. You can kind of pick or choose and be agnostic as to what you’re using them for. Frazer Rice If we wind down here a couple of last ones: The tech that family offices rely on is going to be best in breed. Mark Tepsich I, listen, I have this power station all the time with family office meeting, like what, what, you know, what tech providers should we be looking at? Listen, family office have grown in, right over the past 10, 15 years that there’s not a question. they’re historically, right. had to use in a family office, had to take basically institutional tools, try to repurpose them for the family office and they just, they’re just kind of clunky, right? The family office is still a cottage industry. If you’re trying to sell the family offices, you’re selling the two firms with five to eight employees, right? So the tools are going to continue to get better. But in my opinion, they’re always going to lag the institutional tools and kind of sophistication. But that’s also because institutional tools are very kind of narrow and deep, whereas the family office tech tools, you’ve got the accelerated reporting, but it needs to link to the accounting. That’s an issue. And so the family of standard day is left with like a bunch of disparate fragmented systems that have a challenge talking to each other. With that said, AI, I’ve been talking to a lot of these sort of mom and pop shops, I’ll call them. They’re firms that are trying to incorporate AI to break down these walls. So it’s not fragmented disparate systems. I use the analogy of it’s like jailbreaking an iPhone. I don’t know where this is gonna be in a couple of years, but I think the tools are going to continue to improve. But again, you’re probably not going to take a family office tech tool and deploy it at institutional scale. So if that answers your question, I guess it’s a measure. Frazer Rice First of all, I think it’s going to take a long time before something, quote unquote, replaces Excel, which is still a powerful tool that is flexible and does what it says it’s going to do. And people use it sometimes at their own peril to be the underpinning of everything. the one thing I would add is that the mom and pop software components, I think, have a lot of great ideas. The total market to sell into that, though, does not necessarily make for a great software business. As you say, to get those tools that are specific and required at the family office level to be profitable, you got to figure out a way to sell that into something bigger. I’m not sure there is anything bigger. Mark Tepsich (28:49.358) Yeah, I mean, you’d be better selling it to, you know, small businesses, right? So, I mean, the tools are going to get better, but there’s been a lot of interest recently in the past couple years. I don’t think, I think most of them are not going to survive. I don’t want to say there’s only going to be a couple winners, but on the Consolidated Reported Front, I really think there’s only going be a couple winners because you need scale. And again, family office, if you’re looking to make a decision, you’re like, well, okay, well, 5,000 users use Adapar and 50 use this other platform. So which one are you gonna choose? You don’t wanna onboard to the one that has 50 and then three years down the road, they’re out of business, or there’s fold or something like that. So with scale comes a little bit of security that at least you know that a lot of other people are using. You could point to that. Frazer Rice Last question. Family offices will rival PE firms in terms of influence in the investing market? 85 to 90 % will not rival PE firms. That’s not what they’re set up for. That’s not the goal of most family offices. Again, it’s complexity management. Will some rival PE firms? Yeah. But again, you… Listen, I’ve seen some family office go out there and raise their party capital. When they do that, they’re not a family office anymore. They might have a component in there, but they’re private equity firms. What you’re getting at is private equity firms are raising a fund every couple of years. Can a family office do that? No, because once they do that, they will be a private equity firm. So PE by and large has an infinite capital source, as long as they are good at what they do, right? So with that said, you know, there’s a lot of entrepreneurs that are are post liquidity events have played in the direct investment space, they really wanna do it. They’re still young, right? They’re billers, operators created. They wanna do it from a different vantage point. They’re coming to a realization: “that w”We need to start a fund.” I really love that story because again, they’re founders and operators. They didn’t come from the financial ecosystem first to do this. So I think they’re putting a different spin on PE. I think it’s great for the PE industry as a whole, by the way. And I think, if you’re a founder or a business owner, you might have an easier time taking an equity investment from somebody like that, who’s known in that specific industry that they made their money in, who’s had to make payroll. And they probably have a different timeline than normal PE that’s looking to flip every three to five years. So I think as an investor, I think that would be an interesting investment opportunity, right? And so it’s like, okay, well, part of my PE allocation, you know, This might look interesting. I hesitate to make, you know, I’m not an investment person, so. Frazer Rice Great stuff. Mark, how do people find you and reach out? Mark Tepsich I’m on LinkedIn. I would attempt to just spell my name with my email address at ubs.com, but it’s very lengthy. You just hit me up on LinkedIn. But, Frasier, I appreciate the time. This was great. Frazer Rice I’ll have that in the show notes and as a final parting, we sort of listen to people say, the family space is getting loud. I’m not sure it is. I think the vendors are more loud than the family offices are. I don’t know what your experience is there. Mark Tepsich 100%, the family members themselves are still quiet. You don’t see them out there on LinkedIn. It is the ecosystem to your point around them that is getting loud, right? It’s LinkedIn. It’s like, you know, every time I’m on there, it’s like somebody’s got something to say about families, which is good. Again, if you think about every boom in history, they attract people, right? You could say the same thing about AI, right? But again, it’s become loud, but that’s the industry. It’s not the family offices themselves. Frazer Rice Great stuff. Thanks, Mark. Mark Tepsich Thank you, Frazer. Appreciate it. FAMILY OFFICE DEFINED MORE ON FAMILY OFFICE DESIGN WITH ED MARSHALL https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/

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Send us a textA peach label promised sunshine. The pour delivered wheat. That's where our night starts—expectations versus reality, how labels shape first sips, and the simple tricks that can rescue a subtle beer: the right glass, a slice of peach or orange, and a little patience. We get honest about why some wheat beers are easy on the palate but tough on the gut, and why “fruit” on a can doesn't always mean fruit on the tongue.Then the lights dim and the mood shifts. We pop Goose Island Bourbon County and everything slows down: deep aromas of smoke and oak, chocolate layered with vanilla and caramel, and a bourbon warmth that asks you to sit, swirl, and sip. We talk temperature and glassware, why this stout is a closer, and how it pairs with cigars or dark chocolate. We even stack it against Kentucky Bourbon Barrel and call a clear winner for balance and depth. If you're into barrel-aged stouts, this segment is your tasting roadmap.Between pours, life sneaks in. One of us steps into new responsibilities at work—scheduling trucks, printing orders, leveling up in Excel—while we swap a gnarly hygiene story that proves how tiny habits can keep a whole crew sick. We pull back the curtain on our show too: a new Facebook page, Buzzsprout link, and a look at growth across 66 countries. Seven seasons later, the formula still works—good friends, good beer, real laughs—and consistency beats perfection.If you like candid beer reviews, practical tasting tips, and the kind of banter that makes a week feel shorter, you're in the right place. Hit play, grab a glass, and tell us where you land: team wheat or team barrel-aged stout? Subscribe, share with a friend who loves big flavor, and drop a review with your top stout recommendation.Support the showwww.anotherreasontodrink.com

Eric LeVine didn't set out to build a startup. He was a Microsoft engineer during the dot-com boom who just wanted to keep track of the wine he owned. So he built a simple spreadsheet — an “Excel for wine” — to organize his own cellar. Friends started asking for access. Then friends of friends. In 2003, Eric put the tool online. That side project became CellarTracker. Today, it has 10M+ users, tracks over $21B worth of wine, and has quietly become the most trusted platform in the wine world. In this episode, Eric walks through turning a personal itch into global infrastructure, why obsession with data and community mattered more than monetization early on, and how CellarTracker now uses AI to help people know when to drink a bottle — not just what they own. Make sure to check out CellarTracker at: https://www.cellartracker.com/   Check out my new book on Amazon: https://amzn.to/4kRKGTX Register for Starting Small Summit 2026: https://startingsmallmedia.org/startingsmallsummit Watch our mini-doc - Starting Small: The Raw Truth Behind Entrepreneurship and the American Dream: https://youtu.be/eHuq93wIxs0?si=eDB-ycngvWNapRLO Visit Starting Small Media: https://startingsmallmedia.org/ Subscribe to exclusive Starting Small emails: https://startingsmallmedia.org/newsletter-signup   Follow Starting Small: Instagram: https://www.instagram.com/startingsmallpod/ Facebook: https://www.facebook.com/Startingsmallpod/?modal=admin_todo_tour LinkedIn: http://linkedin.com/in/cameronnagle   Starting Small is powered by Riverside.fm, the AI-powered platform that lets you record, edit, repurpose,and distribute studio-quality content as easily as if you had a crew behind you. Check them out now at https://riverside.com/

“6-7” made the dictionary, then got banished. Make it make sense. We're back with Lake Superior State University's annual list of words we should all stop saying, and this year's entries are massive. Literally. Also, Matt nearly coughs out a rib, Mike becomes an Excel wizard, and we both realize “gifted” might be the worst verb of the decade.00:00 Intro02:34 2026 Banished Words23:20 Person of the Week27:01 Say What?37:52 Advice and OutroFollow Funny Business on Spotify for weekly episodes.More at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://beacons.ai/funnybusinesspod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Note: The opinions expressed in this show are the hosts' views and not necessarily those of any business or organization. The podcast hosts are solely responsible for the content of this show.

Think AI will free you from ‘mundane bookkeeping' so you can do advisory? Blake and David say it's the opposite. Hear how owners already use AI as a de facto CFO, why drafting narratives—not matching bank feeds—is the real win, what the ‘AI premium' means in a billable-hour world, and the two numbers firm owners should track in 2026: monthly recurring revenue and bottom-line profit.SponsorsUNC - http://accountingpodcast.promo/uncOnPay - http://accountingpodcast.promo/onpayTaxBandits - http://accountingpodcast.promo/taxbanditsChapters(01:35) - News Highlights and Sponsor Acknowledgements (03:56) - AI in Small Business Accounting (07:04) - AI's Impact on Accounting Tasks (10:01) - Thought Leader Survey on AI in Accounting (19:56) - AI Premium and Job Automation (25:27) - Survey Answers from Accounting Thought Leaders (25:54) - AI's Role in Strategy and Decision Making (28:24) - Impact of AI on Competitive Landscape (30:50) - AI's Effect on Costs in Accounting Firms (31:54) - AI Replacing Staff Accountants (33:24) - Personal Job Security and AI (41:05) - AI Influencers and Future Experiments (49:24) - Conclusion and CPE Information  Show NotesThese Small-Business Owners Are Putting AI to Good Use https://www.wsj.com/tech/ai/small-business-ai-chatgpt-prompts-0c9a95c4 AI Thought Leaders Survey 2026: Process Predictions https://www.accountingtoday.com/list/ai-thought-leaders-survey-2026-process-predictions Tech Spending Outpacing People Spending as Firms Adopt AI https://www.accountingtoday.com/list/tech-spending-outpacing-people-spending-as-firms-adopt-ai How Much is the 'AI Premium?' https://www.accountingtoday.com/list/how-much-is-the-ai-premium AI Can't Replace Accountants. When Could It? https://www.accountingtoday.com/list/ai-cant-replace-accountants-when-could-it Accounting in 2026: The Year Ahead in Numbers https://www.accountingtoday.com/list/accounting-in-2026-the-year-ahead-in-numbers AI Vending Machine Lost $1,000 to Social Engineering https://www.wsj.com/tech/ai/anthropic-ai-claude-vending-machine-c7baef6f Anthropic's Project Vend Phase 2 https://www.anthropic.com/research/project-vend-2 Trump Commutes Sentence of Private Equity CEO Convicted of Fraud https://www.cnn.com/2025/12/01/politics/david-gentile-trump-pardon Trump Commutes 7-Year Prison Sentence of Former Private Equity CEO David Gentile https://www.nbcnews.com/politics/white-house/trump-commutes-7-year-prison-sentence-former-private-equity-ceo-david-rcna246744 California's Controversial Wealth Tax Proposal Leaves Billionaires With Little Way Out https://www.cnbc.com/2026/01/08/california-wealth-tax-proposal-leaves-billionaires-with-little-way-out.html California Could Impose a Billionaire Tax. Here's How It Would Work https://www.cbsnews.com/news/california-billionaire-tax-ballot-initiative-how-it-works/ New Tax on the Wealth of Billionaires https://lao.ca.gov/BallotAnalysis/Initiative/2025-024Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

Jonathan Kilpatrick of Red Lantern Ranch and Kilpatrick Land & Livestock joins Cal to share what changed since he first appeared back on episode 2, including moving from Oklahoma to west central Minnesota (Alexandria area) and rebuilding a grazing operation from the ground up with sheep, goats, and pastured poultry.In This Episode, We Explore:What prompted Jonathan and his family to move from Oklahoma to Minnesota and restart their operationLessons Jonathan took from the Ranching for Profit School and how they shaped his decision-makingStarting a grazing operation with a clean slate and building genetics that match the environmentGrazing sheep and goats together and using goats as part of a buckthorn control strategyOutwintering sheep and goats with minimal infrastructure and what that requiresUsing adaptive grazing decisions that fit real life, time constraints, and family prioritiesExpanding from a 45-acre grazing lease by adding tillable acres and converting some to perennialsPartnering with a regenerative crop farmer for strip-till or no-till, cover crops, and added grazing opportunitiesMobile range coop pastured poultry production, daily moves, and labor efficiencyProcessing options, state-inspected processing, and why time is often the limiting resourceMarketing channels including direct-to-consumer, wholesale, and opportunities in ethnic marketsWhy This Episode MattersIf you are building or rebuilding a grazing business, Jonathan lays out a realistic path that balances production, business management, and family life. This conversation is a good reminder that experience matters, time is a real constraint, and matching livestock, grazing, and marketing to your context is what keeps the whole system working.Resources MentionedRanching for Profit SchoolExecutive Link program (Ranching for Profit)Google SheetsExcelChatGPTGeminiP.L. 90-492 (Poultry Products Inspection Act exemption referenced in the discussion)Find Out MoreRed Lantern Ranch website | https://redlanternranch.comKilpatrick Land & Livestock website | https://www.kilpatricklandandlivestock.comSustainable Farming Association (SFA) | https://sfa-mn.org Looking for grass-based breeders? Explore the Grass Based Genetics directory.Upcoming Grazing EventsVisit our Sponsors:Noble Research InstituteRedmond AgricultureGrazing Grass LinksWebsiteCommunity (on Facebook)Original Music by Louis Palfrey

Welcome back to another episode of School Counseling Simplified! Happy January! Today I am sharing some of my favorite school counseling systems for success and how setting up simple systems can save you time, reduce stress, and help you better serve your students. In this episode, I am taking you inside one of my most used systems, what I call the counseling hub. This system keeps everything organized in one place and helps ensure no student falls through the cracks. What is the counseling hub The counseling hub is made up of two core systems that work together: a counseling caseload and a counseling log. When combined, they give you a clear snapshot of who you are serving, what services you are providing, and where students are in the counseling process. Counseling caseload Your counseling caseload is a living document that lists students you see regularly, such as those in small groups or individual counseling. I love using Google Sheets for this, but Excel works just as well. In this caseload, I track student names, basic information, and counseling type. I color code by group name or service type so I can quickly see who is in which group. I also include whether the student was referred and who made the referral. Additional sections I recommend include guardian contact status, whether permission slips have been sent and returned, and any important notes. This allows you to quickly provide updates to administrators or teachers and ensures students are not overlooked. Counseling log The counseling log is your daily record of services provided. I organize mine by month and week to make reviewing data easier. Each entry includes the date, student name, area of need, teacher, counseling type, and session length. I also track strategies used, activities completed, and brief notes about student progress or affect. Confidentiality is always a priority, so notes should be objective and professional. I also include a column for parent or guardian communication so I can easily see when and how I connected with families during the week. Why the counseling hub works When your counseling caseload and counseling log work together, you have a clear and efficient system that supports data tracking, communication, and advocacy. This hub allows you to stay organized, make informed decisions, and confidently share the impact of your work. If you are feeling overwhelmed by paperwork or struggling to keep everything straight, this system can be a game changer. Small systems lead to big clarity and better outcomes for both counselors and students. Resources Mentioned: Join IMPACT Counseling Hub Connect with Rachel: TpT Store Blog Instagram Facebook Page Facebook Group Pinterest Youtube   More About School Counseling Simplified: School Counseling Simplified is a podcast offering easy to implement strategies for busy school counselors. The host, Rachel Davis from Bright Futures Counseling, shares tips and tricks she has learned from her years of experience as a school counselor both in the US and at an international school in Costa Rica. You can listen to School Counseling Simplified on Apple Podcasts, Spotify, Google Podcasts, and more!  

Escalar una empresa suele asociarse con vender más, crecer en equipo o expandirse a nuevos mercados. Sin embargo, en la práctica, uno de los mayores riesgos del crecimiento es perder el control financiero en el camino. Para Marco Padilla, CEO y fundador de Smartkeep y socio financiero de más de 600 pequeñas empresas y startups, el verdadero desafío no es escalar, sino hacerlo sin comprometer la liquidez que mantiene vivo al negocio. Desde su experiencia, Marco es claro: el problema atraviesa a emprendedores de todos los tamaños. "La liquidez es un reto para todos los emprendedores de todas las categorías", asegura. Para él, entender el flujo de caja es entender el corazón de la empresa: "Me gusta ver el flujo de caja conectado al dinero en efectivo que corre en una empresa, y eso es lo que mantiene todo en funcionamiento". Al momento de escalar, el foco debe estar puesto en no perder el control, porque "la falta de flujo de caja es la enfermedad que padecen mis clientes". Ese control no necesariamente empieza con sistemas complejos. Al contrario, Marco remarca la importancia de lo básico: "Debemos tener una estructura de control interno con algo muy sencillo, como entradas y salidas en un Excel, hasta tener una persona encargada de elaborar esos reportes financieros". Sin esa visibilidad mínima, el crecimiento se vuelve peligroso y difícil de sostener en el tiempo. Comprender las métricas financieras es otro punto crítico. Marco señala que muchos emprendedores no saben con claridad cómo se mueve su dinero: "El entendimiento de tus métricas financieras es muy importante, porque puedes ver qué tan rápido cobras y qué tan lento pagas". Cuando esa información no está clara, el negocio entra en una zona oscura donde las decisiones se toman a ciegas: "Sin una visualización real, se convierte en un hoyo negro". Uno de los errores más comunes aparece al confundir ventas con dinero disponible. Marco lo explica desde la práctica diaria: "A muchos les afecta la dinámica del pay out y lo registran como una venta, pero es incorrecto". El monto facturado no es lo que realmente queda en la empresa, porque hay comisiones, impuestos y otros costos que reducen ese ingreso. "Si sólo sigues el manejo del efectivo no vas a tener una visibilidad clara de cómo es tu estructura de costo", subraya. Por eso insiste en empezar por registros simples y, a partir de ahí, construir una estructura de costos sólida. Cuando el negocio comienza a crecer, el financiamiento también entra en juego. Para Marco, no es algo negativo, sino una herramienta estratégica si se utiliza correctamente: "Para una escala de negocio, el financiamiento es una estrategia clave". El problema surge cuando el crecimiento en ventas no va acompañado de procesos y control interno. En esos casos, advierte que "las empresas que crecen demasiado en ventas y no están perfeccionadas a nivel operativo llegan a entrar en quiebra". En el camino emprendedor, las pérdidas también forman parte del proceso. Marco lo plantea desde una mirada realista y sin dramatismos: "Si algo puedes tener por seguro en el mundo de los negocios es que vas a perder, y yo lo llamo 'aprendizaje pago'". No siempre una pérdida implica una mala decisión, sino un contexto cambiante. Lo importante es la reacción: "Lo que sí está bajo tu control es tu capacidad de pivotear eso". Para lograrlo, el seguimiento constante y la lectura de los números permiten detectar a tiempo cuándo las cosas no están saliendo como se planificaron. Finalmente, Marco menciona el rol de los instrumentos bancarios como una señal de madurez financiera: "El uso de los instrumentos bancarios, como créditos, son muy buenos indicadores que te muestran en qué punto estás con tu negocio". Poder asumir compromisos financieros habla de orden, previsibilidad y control. Cuando eso no sucede, el crecimiento se vuelve frágil. Escalar sin perder liquidez no es cuestión de suerte ni de vender más, sino de construir una base financiera sólida, entender los números y tomar decisiones con información real. Para Marco Padilla, el crecimiento sostenible empieza siempre por el control. WhatsApp: +1 561 708 0430 Instagram: @itsmarcomoney

Is your "Emotional Emong" winning the battle for your wallet?

How does $95 million go missing at a bank—and still get a clean audit? Blake and David unpack the Evolve Bank/Synapse meltdown, what auditors missed, and how SOC reports fall short. Plus: the penny shortage pushing cash rounding at the register, the shocking stat that even 29% of partners don't know partner pay, and the case for semiannual reporting. Walk away with practical takeaways for clients, staff, and your own firm.SponsorsCloud Accountant Staffing - http://accountingpodcast.promo/casOnPay - http://accountingpodcast.promo/onpayChapters(00:44) - The Penny Shortage Crisis (03:52) - Evolve Bank's $95 Million Scandal (17:12) - Earmark CPE and Other Podcast Recommendations (22:00) - Partner Salaries and Compensation Transparency (28:27) - Data Breach at SAX Accounting Firm (33:28) - Semi-Annual Reporting Debate (36:25) - Debating Semi-Annual Reporting (37:38) - Quarterly Reporting Games (38:25) - LinkedIn Comment: The Case for Quarterly Reports (39:11) - The Value of Financial Statements (39:58) - Challenges in Modern Accounting (46:57) - 2026 Accounting Predictions (52:01) - AI's Impact on Bookkeeping (01:09:08) - Closing Thoughts and Farewell  Show NotesSquare Enables Penny Rounding https://squareup.com/us/en/press/penny-rounding CFPB Allocates $46 Million To Synapse/Evolve Victims In First-Ever Fintech Bailout https://fintechbusinessweekly.substack.com/p/cfpb-allocates-46-million-to-synapseevolve The 2025 Accounting Today Salary Survey https://www.accountingtoday.com/list/the-2025-accounting-today-salary-survey The Ultimate 2026 Accounting Salary Guide https://blog.workday.com/en-us/ultimate-2026-accounting-salary-guide.html Deloitte's CTO: companies are spending 93% on tech and only 7% on people and that has to change https://fortune.com/2025/12/15/deloitte-cto-bill-briggs-what-really-scares-ceos-about-ai-human-resources/ Accounting firm waited 18 months to announce breach https://cybernews.com/security/sax-data-breach-quarter-million-exposed/ Should Public Companies Move to Semi-Annual Reporting? https://www.cpajournal.com/2025/12/19/should-public-companies-move-to-semi-annual-reporting/ United States Mint Hosts Historic Ceremonial Strike for Final Production of the Circulating One-Cent Coin https://www.usmint.gov/news/press-releases/united-states-mint-hosts-historic-ceremonial-strike-for-final-production-of-the-circulating-one-cent-coinNeed CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifiedsWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

Post-Gazette Penguins insiders King Jemison and Jason Mackey react to weekend wins against the Columbus Blue Jackets and Detroit Red Wings and ponder what the team's current five-game winning streak means. This show is presented by FanDuel. Did coach Dan Muse's team prove it can win with grit? First with a tight defensive win against Detroit? Then an impressive comeback vs. Columbus that included goals from Anthony Mantha, Bryan Rust, Kris Letang and Ryan Shea? How good had Sidney Crosby on the top line and Blake Lizotte on the fourth line been lately? And what does it all mean for Evgeni Malkin and the team moving forward as it looks to stay hot? Our duo tackles those questions and more. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A camp quiet time, a seven‑minute first sermon, and a calling that survived Seattle headwinds, LA creativity, and an Austin reset—Eric Bryant joins us to trace a lived map of ministry that is honest, hopeful, and deeply practical. We open with his world in South Austin, where skepticism runs high and belonging often precedes belief. Eric unpacks how his team builds space for spiritual explorers, why no‑phone camps still change lives, and what it takes to disciple people in a culture allergic to churchy answers.The journey moves through Seattle's tough soil, where a planter's heart met legacy expectations and taught hard lessons about change, patience, and the power of a single grandparent showing up for her grandson. Then to Mosaic in Los Angeles, where art met mission, a nightclub became a sanctuary, and young believers were deployed around the world. Eric shares the thrill of multiplication alongside the cost of an unsustainable pace—and the counseling, boundaries, and honest conversations that realigned his marriage and ministry.Send us a textWe want to help you find your next steps in ministry.Connect here with EXCEL. Ministry Partner: Christian Community Credit Union

Topics: Meaning of Antinomianism, New Covenant, Respecting the Law, Role of the Holy Spirit, Gentiles and the Law (Ephesians 2:12), Jesus Sent to Israel, Canaanite Woman Faith (Matthew 15), Old Covenant Audience, 613 Commandments not Just Ten, Born Under the Law (Galatians 4:4-5), Deuteronomy Warning (Deuteronomy 4:2), Blessings and Curses (Deuteronomy 8), End of the Law (Romans 10:4), Rightly Dividing Scripture, Led by the Spirit (Galatians 5:18), Grace not a License to Sin but the Power to Overcome Sin, Law Increases Sin (Romans 5:20), Not Under Law (Romans 6:14), Ministry of Death (2 Corinthians 3), Covetousness and Sin (Romans 7), Grace Teaches Holiness (Titus 2:11-12), Insulting Spirit of Grace (Hebrews 10), Strengthened by Grace (Hebrews 13:9), Excel in Grace (2 Corinthians 8:7), No Condemnation (Romans 8:1), Progressive Sanctification Myth, Commandments in the Law Cannot Perfect Anyone (Hebrews 10:1), Perfected for All Time (Hebrews 10:14), Washed and Sanctified (1 Corinthians 6:11), Law Through Moses (John 1:17), Commandments of Jesus (1 John 3:23), His Commandments are Not Burdensome (1 John 5:3), Transfiguration Meaning (Matthew 17), Strength of Sin (1 Corinthians 15:56), Free Grace is Not a Theology (Romans 11:6)Support the showSign up for Matt's free daily devotional! https://mattmcmillen.com/newsletter

Welcome to HALO Talks! In this episode, host Pete Moore sits down with Hewitt Tomlin, the entrepreneur behind Teambuildr—a software platform that's changing the game on how strength coaches and personal trainers deliver programming. Starting with a simple idea in college, Hewitt has built Teambuildr into a leading solution for gyms, coaches, and athletes, empowering thousands with better tools for training and performance. Together, they dive into the rapidly-evolving landscape of fitness technology, discussing the rise of strength training in gyms, the impact of AI on coaching, and how fitness pros are adapting to new ways of working in a post-pandemic world. From leveraging digital apps for personalized programs to building strong trainer-client relationships, this candid conversation uncovers what it takes to stay innovative in the fast-paced HALO sector. Tomlin also shares his passion for expanding athletic training into new markets specifically golf—with his involvement in DRVN, a fitness app aimed at merging athleticism with golf performance.  Key themes discussed Evolution of Teambuildr and fitness technology. Adoption of AI by strength coaches and trainers. Changing trends in club equipment, focus on strength. Personal trainers utilizing digital tools and apps. Balancing innovation vs. refining existing product features. Retention vs. impact as a measure of success. Entrepreneurial mindset and self-defined business goals. A Few Key Takeaways:  1.Evolution of Teambuildr and Fitness Tech: Hewitt shared the journey of Teambuildr—from its origins as a simple workout distribution platform for college strength coaches to its role as a robust SaaS solution that now supports thousands, not only in team sports but also across private gyms and brick-and-mortar facilities. 2. AI's Role in Coaching: The conversation highlighted how fitness software is rapidly moving from basic digitization (getting off Excel) to integrating AI. Early adopters among coaches are using AI as a "co-pilot" to enhance programming and audit workouts, freeing up more time to apply their expertise where it matters most. 3. Changing Attitudes Toward Training Technology: Tomlin also talked about the shift in the industry: while trainers were once skeptical about templates and AI-generated programs, there's now a broader acceptance of tech-driven best practices. Still, personalization and expertise remain key, especially for more seasoned coaches. 4. The Personal Trainer's Balancing Act: Independence vs Community: Post-COVID, many trainers tried going independent, but Hewitt noted the challenges of customer acquisition and scaling. Bigger box clubs like Lifetime offer access to a steady stream of potential clients and a sense of community, making them an attractive option for many trainers seeking sustained growth. 5. Founder Perspective: Success Isn't Just About Growth: The episode also touched on how Hewitt's vision as a founder goes beyond revenue metrics and external pressures. He values building loyal, long-term customer relationships, personal impact, and conversations with trainers and mentors over chasing aggressive growth targets influenced by VC funding. Resources:  Hewitt Tomlin: https://www.linkedin.com/in/hewitttomlin   Teambuildr: https://www.teambuildr.com/   DRVN Golf App: https://www.drvngolf.com  Integrity Square: https://www.integritysq.com Prospect Wizard: https://www.theprospectwizard.com Promotion Vault: https://www.promotionvault.com HigherDose: https://www.higherdose.com

We kick off with a playful threat to delete the archive and end up reaffirming why consistency, community, and humane work habits matter. Between holiday calendar chaos and culture clashes over PTO, we find wins in empowered teams, better tools, and a thriving Discord.• joking about nuking the archive to highlight creative burnout• whiplash from deletion talk to preserving episodes forever• holiday downtime realities and quiet office tactics• European PTO envy contrasted with U.S. grind culture• frustration with last‑minute meeting cancellations• calling out performative Slack activity around holidays• team empowerment as the manager's real job• replacing Excel with Jira to create clarity and intake systems• celebrating consistency, guest episodes, and community growth• being easy to work with as a core career advantage• historical perspective as a lens on modern labor normsJoin our Discord. It's in your show notes. You can also buy some swag from our shop. More importantly, share the pod with your friends, family, and coworkers. We would love you forever if you did so.Click/Tap HERE for everything Corporate StrategyElevator Music by Julian Avila Promoted by MrSnoozeDon't forget ⭐⭐⭐⭐⭐ it helps!

Pastor Henry Tam. 1 Thessalonians 4:1-12

@igrejakyrios | Igreja Evangélica Kyrios - Dezembro de + FestasCulto do dia 28.12.2025 - por  @Klauspiragine  Vivemos em um mundo que o tempo todo tenta nos comparar, nos classificar e nos empurrar para seguir o mesmo caminho que todo mundo segue. Nesta mensagem, aprendemos que o destaque não vem de fazer o que o mundo faz, mas de viver do jeito que Deus nos chama a viver.A partir da história de Daniel, que escolheu permanecer fiel mesmo em um ambiente difícil, entendemos que a excelência nasce das escolhas diárias, do caráter e da obediência a Deus. Mesmo quando parece que estamos ficando para trás, Deus vê cada atitude e, no tempo certo, é Ele quem traz a honra.Essa palavra nos encoraja a não desistir, a não parar por causa das críticas e a continuar fazendo o que Deus colocou em nossas mãos. Quem anda com Deus, mesmo em silêncio, será visto e honrado por Ele.Compartilhe essa palavra com alguém que precisa ser lembrado de que Deus vê, cuida e honra.Ouça nossas músicas autorais!Meu Lugar - https://youtu.be/htZ9wZZryaMMinha Adoração - https://youtu.be/6kQtwF0m67kSe conecte conosco!https://portal.igrejakyrios.com.br/fale-conosco/Inscreva-se no nosso canal: www.youtube.com/@igrejakyrios Nosso Site: http://www.igrejakyrios.com.brInstagram: https://www.instagram.com/igrejakyrios/

With the price of seemingly everything going up, it's easy to get lost in the cost of our hobby. In this episode, Jason uses his Excel expertise to breakdown those costs to help us truly decide where we should be spending our hard-earned dollars. Also, we catch up on multiple recent beer stories and experiences you won't want to miss!Beer Tastings:Jason - Mountains of Mosaic, Original Pattern Brewing, Oakland, CA. Style: Wet Hop IPAStephen - Fundamental Observation, Bottle Logic Brewing, Anaheim, CA. Style: BA Imperial Stout

While our team is out on winter break, please enjoy this episode of Research Saturday. This week, we are joined by ⁠Tom Hegel⁠, Principal Threat Researcher from ⁠SentinelLabs⁠ research team, to discuss their work on "Ghostwriter | New Campaign Targets Ukrainian Government and Belarusian Opposition." The latest Ghostwriter campaign, linked to Belarusian government espionage, is actively targeting Ukrainian military and government entities as well as Belarusian opposition activists using weaponized Excel documents. SentinelLabs identified new malware variants and tactics, including obfuscated VBA macros that deploy malware via DLL files, with payload delivery seemingly controlled based on a target's location and system profile. The campaign, which began preparation in mid-2024 and became active by late 2024, appears to be an evolution of previous Ghostwriter operations, combining disinformation with cyberattacks to further political and military objectives. The research can be found here: ⁠Ghostwriter | New Campaign Targets Ukrainian Government and Belarusian Opposition Learn more about your ad choices. Visit megaphone.fm/adchoices

While our team is out on winter break, please enjoy this episode of Research Saturday. This week, we are joined by ⁠Tom Hegel⁠, Principal Threat Researcher from ⁠SentinelLabs⁠ research team, to discuss their work on "Ghostwriter | New Campaign Targets Ukrainian Government and Belarusian Opposition." The latest Ghostwriter campaign, linked to Belarusian government espionage, is actively targeting Ukrainian military and government entities as well as Belarusian opposition activists using weaponized Excel documents. SentinelLabs identified new malware variants and tactics, including obfuscated VBA macros that deploy malware via DLL files, with payload delivery seemingly controlled based on a target's location and system profile. The campaign, which began preparation in mid-2024 and became active by late 2024, appears to be an evolution of previous Ghostwriter operations, combining disinformation with cyberattacks to further political and military objectives. The research can be found here: ⁠Ghostwriter | New Campaign Targets Ukrainian Government and Belarusian Opposition Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, host Josh interviews Steven Yates, CEO of Prime Guidance, about strategies for scaling e-commerce brands. Steve emphasizes optimizing Amazon listings and leveraging all available tools before expanding to other marketplaces like Walmart or eBay. He discusses the importance of having a direct-to-consumer website, maximizing Amazon advertising, and using analytics tools to track performance. Steve provides actionable advice on when and how to diversify sales channels, ensuring brands grow efficiently and profitably while building a strong foundation on Amazon first.Chapters:Introduction to Steven Yates and Prime Guidance (00:00:00)Josh introduces Steven Yates, his background, and expertise in retail management and e-commerce.When to Expand Beyond Amazon (00:00:48)Discussion on timing and considerations for expanding to other marketplaces like Walmart, eBay, Wayfair, and international markets.Sales Lift Estimates from Other Marketplaces (00:01:28)Steve provides rough estimates of sales lift from Walmart, eBay, and other channels compared to Amazon.Importance of Optimizing Amazon Before Expanding (00:01:39)Emphasis on being 80-90% optimized on Amazon before moving to other marketplaces.Choosing the Right Next Marketplace (00:03:32)Advice on analyzing where your customers are and not following a cookie-cutter approach to expansion.Launching a DTC E-commerce Website (00:04:04)Discussion on when and why to launch a direct-to-consumer website alongside Amazon.Benefits of Having a DTC Website (00:04:38)Steve explains the strategic advantages of having your own e-commerce site for brand building and customer retention.Capturing and Nurturing Website Visitors (00:05:46)Tactics for capturing emails and engaging visitors who land on your DTC website.Key Levers to Pull on Amazon (00:06:21)Josh asks for a list of actionable levers to increase sales and grow a brand on Amazon.Detailed Breakdown of Amazon Optimization Levers (00:06:33)Steve details optimization tactics: product pages, infographics, A+ content, pricing, assortment, advertising, and Amazon programs.Amazon Advertising and External Traffic Strategies (00:08:05)Discussion on types of Amazon ads, external traffic, and leveraging Amazon's Brand Referral Bonus.Utilizing Amazon Programs and Betas (00:09:11)Overview of Amazon programs like FBA Small and Lite, brand store, Amazon posts, and customer engagement emails.Order of Operations for Optimization and Traffic (00:10:31)Advice on optimizing for Amazon's algorithm and conversion before scaling advertising and traffic.Three Actionable Takeaways for Brands (00:11:21)Josh summarizes three key takeaways: maximize Amazon levers, focus on Amazon traffic, then expand to other channels.Tools for Tracking Amazon Metrics (00:13:40)Discussion on aggregating and analyzing Amazon data using third-party tools and Excel.Brand Analytics and Bonus Tool Recommendation (00:14:59)Steve recommends using Amazon Brand Analytics and nozzle.ai for tracking repeat purchases and customer lifetime value.Where to Learn More About Prime Guidance (00:16:21)Steve shares how listeners can contact or follow Prime Guidance for further help.Links and Mentions:Tools and Websites  Prime Guidance  Shopify WooCommerceAmazon Attribution Program  Amazon Posts  Helium 10Nozzle AI  Transcript:Josh 00:00:00  Today, I'm excited to introduce you to Steve Yates. He is the CEO and founder of Prime Guidance. Steve developed well-rounded expertise working for multi-billion dollar fortune 500 retailers such as Amazon, Dick's Sporting Goods and eBay enterprise prior to founding Prime guidance in all industry consulting. With 30 years experience in retail management and 23 years experience in e-commerce. Steve and his team provide companies with strategic advice and innovative solutions that are based on real life experience working for industry leading retailers. He helps companies grow faster, smarter and more profitably by providing advice, mentoring and coaching for today's busy executives. So welcome to the podcast, Steve.Steven 00:00:46  Thank you. Josh. Thanks for having me.Josh 00:00:48  One of the first questions I want to ask, just kind of selfishly for myself, because we're looking to expand onto different channels right now with our business. We've grown to eight figures just on Amazon alone. But we're we are looking to, you know, is it time to explore or double down more on Walmart eBay, Wayfair? Do we try to get into target? Do we go international right and start shipping stuff into Canada, Mexico, the UK, etc.? So my question to you here, Steve, is what kind of sales lift do you see from those different marketplaces? Right.Josh 00:01:28  Like what do you estimate as hey you go to Walmart it best case scenario, you're probably looking at a 10% lift eBay. Maybe it's a 2%, you know, so on and so forth.Steven 00:01:39  Yeah. So it's a very tricky question because I've seen it wildly different. So interesting. I had to if I had to, to put a rough assumption across a lot of different categories and product lines, I would say Walmart is the very next marketplace you're going to want to focus on outside of Amazon. And by the way, don't do it until you're what I like to say 80 to 90% optimized on Amazon. Don't spend your time on these smaller marketplaces, because that's oftentimes the shiny object that gets you in trouble when you're doing a whole bunch of different things, you're not doing any of them well. You've got to you've got to be really well positioned on Amazon. And when I say 80 to 90%, I don't mean of your total opportunity for growth. But if you've identified all these levers you need to pull on Amazon, you need to have a good storefront.Steven 00:02:26  You need to have A+ content. I need to have all of these different components pulled together. Do you feel good about how well optimized they are, and are they in place 80 to 90% of where they should be before you, you know, start migrating to another marketplace? Because if you don't, you're essentially lifting and shifting a catalog that's not optimized to another marketplace. And now all of your optimization efforts are going to be that much harder because you're doing full optimizations across a whole bunch of marketplaces. That's a that's always a risk. I would say Walmart is probably, in the number of 10 to 20% of the Amazon business, and eBay is probably the neighborhood of 10%, maybe 5 to 10% of the, of the Amazon business. but it really does differ quite a bit. I've seen some I've seen some people that actually sell more on Etsy than they do on Amazon because their product is sold out after on that website. I've seen people that do phenomenal on eBay, even though eBay is, you know, not not growing.Steven 00:03:32  It's. Yeah, it's it just so happens that their customers there and that's why I go goes back to, analyzing where your customers spend their time and money and make sure you're present there, do it in the right order. But ultimately make sure you're you're present there. And where you go next is not a cookie cutter answer just because everybody else goes to this next Walmart, you know, Walmart next or eBay after that or whatever, doesn't mean that's...

Ep. 304, Recorded 12/24/2025. Shopping for terrible gifts. Close the lid. Lights out at Waymo. Raise the roof. Apple products are good. Tech corner comes in hot. Buick is still a thing. Big Scoop out of Cincy. Geeks finally Excel at something. Teapot Despot. Apple won't take my money. The snack bar is open!

Double Tap Episode 441 This episode of Double Tap is brought to you by: Blue Alpha, Midwest Industries, Gideon Optics, Primary Arms, Die Free Co., and Mitchell Defense   Welcome to Double Tap, episode 441! Your hosts tonight are Jeremy Pozderac, Aaron Krieger, Nick Lynch, and me Shawn Herrin, welcome to the show! Text Dear WLS or Reviews +1 743 500 2171 - Dear WLS ThreeRaccoons InnaTrenchCoat - What programs do Shawn, Nick and Savage use for 3D modeling? Are they subscription based or free? I would like to dive into 3D modeling but don't really want to pay a subscription. A one-time fee would be okay i suppose. Tuul Steele - "I was thinking Hard the other day about that long, cylindrical reciprocating part of an Assault Railer - 15 and it got me curious (bi-curious) about steel selection for a BCG. YES, I know all steel is not created equally Jeremy, but in the case of the BCG which does the cast recommend and which is just more expensive for no reason. Not talking coatings, although you can add that to the pot, I am mainly referring to the materials; Carpenter 158 aka "The Thing", 9310 aka "The Beverly Hills BCG", or S7 Tool Steel aka "The Audi Tool". Love the show and the cast. You guys are keeping me topside on long days. Keep up the good work. Also just buy Aaron a huffy with a baseball card in the spokes and call it a day. Toss in a bottle of Malort for the basket on the handle bars. #WLSisLife #shootstraight" Plow Guy Dave - What do you think will be the cool, new trend at SHOT Show this year? Do you think that there will be an influx of NFA stuff like SBR's, SBS's and suppressors since the One Big Beautiful Bill will be active? I know you guys don't go to SHOT anymore, but what would you like to see come out? John B - So I was listening to the AR-15 podcast and Dauly keeps saying you need to buy mags in “generational wealth” volume. What is it that you guys think is the appropriate number of mags to have for your rifle and pistol? Do I really need to have 10 mags minimum? Gus Gus - Hello people and Aaron, What one thing do you each think we do or use or teach in the firearms space that we will one day look back on and say “wow, I can't believe we let that happen” (besides letting Aaron speak). Could be anything from gear to training to lawfare practices. For myself, I think open emitter red dots on concealed carry guns will be looked at as weird and genX level fuddery and anyone who uses one will always feel like explaining it away like Jeremy does with iron sights. Thanks guys and Aaron Unfit for Human Consumption - What software would you recommend for tracking a gun collection? I have (only) a few dozen guns, and have been using "NMCollector" since about 2005, and it meets my needs. It is now $15/year which is very reasonable, and a "lifetime" activation is less than 85-bucks. A quick search on the interwebs for alternatives reveals "ArmoryBook" which is $200/yr for up to 50 records, and "GunTrack" which is $100/yr for up to 100 records; both are way over budget for my needs. Are there other softwares I'm not aware of that you'd recommend? I don't keep pictures generally, and all I really need to track is make, model, caliber, description, year & country of manufacture, source, cost, appraised value, etc for insurance records and for my wife to cash in on this "401(G)uns" fund when I'm gone (hopefully not for several decades). Or should I just create an Excel spreadsheet? Sunshine Shooter - Forced Reset triggers seem to be a commercially available thing now, but I'm having trouble keeping track of what is out there. What forced reset triggers/super safeties do you recommend I look into getting for a poor man's MP5 I'm planning on putting together? Matthew P - Just bought a 5 inch VFM-9 from Foxtrot Mike. What accessories would you add to this if you are going to keep it as a backpack gun? Suppressor? Flip up sights and/or red dot/prism? sling? anything else?   The winner of this week's swag pack is Gus Gus! To win your own, go to welikeshooting.com/dashboard and submit a question!   Gun Industry News Cops Pick New Echelon Guns Henderson PD picked Springfield Armory's Echelon 9mm pistols (full-size 4.5F and compact 4.0C) as new duty guns after tough tests. Special modular grips fit all hand sizes, ambidextrous controls, optics-ready, 20-round mags. Every officer passed quals first try—first time ever. Boosts gun community's cred for civilian carry. Available now. New S&W .360 Buckhammer Rifle Out Now Smith & Wesson Model 1854 lever-action rifle now in .360 Buckhammer caliber for straight-wall hunting states. Mixes classic lever feel with modern Picatinny rail, M-LOK slots, 20-inch barrel. Hits medium/large game with low recoil. MSRP $1399. Available now. POF-USA Wins Big Rifle Deal for Asia POF-USA wins contract to supply Renegade rifles in .300 Blackout with 8-inch barrels to Asian client. Special: E² dual-extraction, roller cam pin, heat sink nut for reliability and heat control in suppressed ops. Boosts POF's global sales. Not for civilian sale. Germany Picks CZ P-10 C as New Gun Germany's army picked the CZ P-10C OR FDE pistol as its new P13 service gun, replacing the old HK USP from 1994. It's a 9mm striker-fired model with 15-round mag, 4-inch barrel, 26 oz weight, optic-ready slide in flat dark earth finish—beats Glock and Arex in competition. Huge win boosts CZ's rep; big order expected from Czech plant. Not yet in production for delivery. Colt Wins M4A1 and Suppressor Deal Colt got a $12.93M contract for M4A1 carbines, suppressors, and flash hiders for Israel via US Foreign Military Sales. Special: Includes suppressors, now common for stealth. Boosts Colt's gun community rep as key military supplier. Product not available now. Ruger Wins Patent for Double Stack .22LR Magazines Ruger patented a double-stack .22LR magazine for 22/45 pistols. It uses single-feed that splits to two columns, rotating rims sideways to center bullets—special for rimfire without bulky design. Fits current frames as aftermarket, no background check needed. Boosts gun community with higher capacity. Broader for .22 WMR, .30-30, 7.62x54R. Not available yet. New HK VP9A1 X: Perfect Size and Power Heckler & Koch launched VP9A1 X pistol, blending compact 4-inch slide from K model with full-size F frame for 17-round capacity. Fills gap between compact and full-size with A1 upgrades like better grip and trigger. MSRP $1,049 or $1,399 optics-ready. Available now. Gun fans get factory crossover size matching original VP9 but improved.   Before we let you go - Join Gun Owners of America   Tell your friends about the show and get backstage access by joining the Gun Cult at theguncult.com.   No matter how tough your battle is today, we want you here fight with us tomorrow. Don't struggle in silence, you can contact the suicide prevention line by dialing 988 from your phone. Remember - Always prefer Dangerous Freedom over peaceful slavery. We'll see you next time!   Nick - @busbuiltsystems | Bus Built Systems Jeremy - @ret_actual | Rivers Edge Tactical Aaron - @machinegun_moses Savage - @savage1r Shawn - @dangerousfreedomyt | @camorado.cam | Camorado

Get ready for a lively and insightful conversation on this episode of Count Me In! Host Adam Larson welcomes author, strategist, and founder of FractionalCMO.com and Redfern Media, Draye Redfern, as he shares his bold approach to staying resilient and thriving in uncertain times. Drawing on advice from his "Recession Survival Guide" and giving a sneak peek into his upcoming "Anchor Marketing" framework, Draye Redfern delivers practical strategies for teams and individuals who want to future-proof their businesses and careers. Whether you're running your own company or leading a department, you'll come away with ready-to-implement tips for attracting new leads, nurturing relationships, and building a solid foundation for growth—even during a downturn. Draye Redfern's real talk on marketing, team dynamics, and building lasting customer relationships will keep you hooked from start to finish. Tune in for high-energy ideas, personal stories, and a toolkit to help you turn challenges into your next big opportunity!

Go shop the Shortcut Suites now.This is time sensitive and will only be live to get in until Jan-15-2026.AND all the shortcuts will be available until Feb-15th, so BOOKMARK the suite when you get inside.You can grab my Pitch Templates, which normal you have to pay for but inside the suite it's FREE.

You meet people who want freedom. Then you meet someone who refuses a boss so much he reverse-engineers his whole life. After Derek left the Army, he started Amazon FBA with nothing but podcasts, stubborn grit, and a few painful months of trying to "make a penny per ASIN."   In this talk, we walk you through his jump from Excel chaos to 45,460 ASINs stored, his real replens, and a system that runs while he sleeps. You'll hear how he fights through IP blocks, bad prep centers, order cancellations, and the mental weight of slow progress.   If you ever wondered what happens when someone treats sourcing like a gym routine, delayed gratification like a religion, and three in the morning like normal business hours, this one shows you.   Special guest at the conclusion of today's show, Jeff Schick of JeffSchick.com answers the question: "What's an Amazon CSM review and is it a big deal?" Use coupon code "MISTAKE" to get your first month of services for only $1 with Jeff and his team!   Watch this episode on our YouTube channel here: https://youtu.be/Sdqq6GfTcxI   Show note LINKS: SilentSalesMachine.com - Text the word "free" to 507-800-0090 to get a free copy of Jim's latest book in audio about building multiple income streams online (US only) or visit https://silentjim.com/free11   SilentJim.com/bookacall - Schedule a FREE, customized and insightful consultation with my team or me (Jim) to discuss your e-commerce goals and options.   My Silent Team Facebook group. 100% FREE! https://www.facebook.com/groups/mysilentteam - Join 82,000 + Facebook members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world!   ProvenAmazonCourse.com - The comprehensive course that contains ALL our Amazon training modules, recorded events and a steady stream of latest cutting edge training including of course the most popular starting point, the REPLENS selling model. The PAC is updated free for life!   SilentJim.com/kickstart - If you want a shortcut to learning all you need to get started then get the Proven Amazon Course and go through Kickstart.   SilentJim.com/thesystem  - (aka as 3P Mercury) - The complete workflow software we created on our team. "The System" automates your Amazon reselling/wholesale business the same way Khang (the creator) automated his $3million reselling business and made it HANDS FREE!                 ---

#MentorshipPodcast #FinanceCareer #ConsultingJourney #BCG #Vision2030 #CareerGrowth #InternationalBusiness #leadershiplessons Claudio shares his incredible global journey — from starting in European finance and insurance, to working on Vision 2030 transformation projects in Saudi Arabia, and later joining BCG in management consulting. His story is a masterclass in adaptability, mentorship, and lifelong learning across borders.

Happy National Regifting Day! We debate whether this holiday is actually placed correctly on the calendar while Mike battles a post Flyers game sickness with some "Immunity Boost" tea. We get a quick update on Dan, who has seemingly cured his post marathon injuries through fasting and is already planning to run Philly again. Mike recaps his very first hockey game experience, he also dives into the high stakes world of sports card collecting.Things get weird when Erin reveals she has been publicly challenged to a race by Summer House star Craig Conover via Instagram. We discuss the diabolical terms of this "6k" challenge and brainstorm ways to make his travel to Pennsylvania as difficult as possible. We also check in on our favorite "fake" podcaster who is somehow charting on Apple with suspicious numbers and discover the electric world of Microsoft Excel Esports, where spreadsheet experts get intro entrances like pro wrestlers. In sports news, we clarify the misleading headlines about the "trailer park" athlete village for the Winter Olympics. Finally, "Tea Time" covers a controversial Turkey Trot prank that left a new girlfriend in tears , and we end with a wholesome clip of a coach's son dancing in the locker room.

Will IRS agents have to watch OnlyFans to police the new “no tax on tips” deduction? Blake and David unpack the wild twist: a study showing that women-led audit teams deliver higher-quality work at lower fees, and why AI could finally kill the billable hour. They hit PCAOB's AI/PE crackdown, KPMG's AI exam cheating, AI‑written financial reports, Meta's off‑balance‑sheet data center, the IRS Math Act, and new child investment accounts. Walk away with policy context and practical tech takeaways.SponsorsOnPay - http://accountingpodcast.promo/onpayACFE - http://accountingpodcast.promo/acfe Cloud Accountant Staffing - http://accountingpodcast.promo/casChapters(01:15) - New Tax Deduction for Digital Content Creators (02:27) - IRS Agents and OnlyFans Content (04:39) - IRS Telework Policy Changes (06:15) - Earmark CPE and Listener Interaction (09:25) - President's Statement on Federal Income Tax (13:15) - IRS Math Act and Senator Justice's Tax Issues (16:03) - Trump Accounts and PCAOB Scrutiny on AI (24:20) - Audit Quality and Gender Diversity (28:30) - KPMG AI Cheating Scandal (30:51) - AI's Impact on Time Savings in Various Industries (32:56) - The Role of AI in Accounting and Its Limitations (34:26) - AI in Financial Reporting and Business Processes (36:44) - The Decline of the Billable Hour Due to AI (47:01) - Meta's Controversial Accounting Practices (50:56) - Pilot's New Partner Program for Accountants (58:58) - Conclusion and Final Thoughts  Show NotesComing soon!Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifiedsWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page