Podcasts about Exchange

Get the facts, without the spin. UNBIASED offers a clear, impartial recap of US news, including politics, elections, legal news, and more. Hosted by lawyer Jordan Berman, each episode provides a recap of current political events plus breakdowns of complex concepts—like constitutional rights, recent Supreme Court rulings, and new legislation—in an easy-to-understand way. No personal opinions, just the facts you need to stay informed on the daily news that matters. If you miss how journalism used to be, you're in the right place. In today's episode: What We Know About the Minneapolis Shooting (0:51) Supreme Court Rules Ballroom Construction Can Continue (4:53) Court Blocks Newest Birthright Citizenship Order (11:34) Trump $1 Coin Unavailable Hours After Going on Sale (15:10) Iran Hackers Are 'Relentlessly' Going After U.S. Critical Infrastructure Systems (~21:23) Trump Administration Reportedly Considering Land Exchange With Private Developer in Yosemite. Here's What To Know. (~25:01) Quick Hitters (~33:37) Rumor Has It: New Proposed Bill Makes It Easier to Add Chemical to Food? An Appeals Court Rules AI-Generated Child Porn Is Protected By First Amendment? (~40:00) Critical Thinking Segment (~54:52) ⁠Watch⁠ this episode on YouTube. Follow Jordan on ⁠Instagram⁠ and ⁠TikTok⁠. All sources for this episode can be found ⁠here.⁠  Scammers are everywhere! But they can't harm you, if they can't find you! Use code JORDAN at https://incogni.com/jordan and get 60% off an annual plan! Learn more about your ad choices. Visit podcastchoices.com/adchoices

What if an extra bedroom could make housing more affordable for a student while helping an older adult stay in their home? Alison Donnally founded Joey Co. to pair students looking for housing with older adults who have space to spare and could use help with everyday tasks. Students pay rent, earn money back through agreed-upon work, and gain a different kind of connection to the community around them. Donnally talks about what makes these matches work, why home sharing is still unusual in the U.S., and what this model reveals about how many housing options we've left off the table. ADDITIONAL SHOW NOTES Alison Donnally (LinkedIn) Joey Co (Site) Local Recommendations:‍ Sol Food Pollo Tropical Tiffany Owens Reed (Instagram) Do you know someone who would make for a great Bottom-Up Revolution guest? Let us know here!   This podcast is made possible by Strong Towns members. Thank you! Join fellow members discussing this episode in The Commons.

Our 89th FOURTH ANNIVERSARY episode brings a heated debate where we decide our top SIX Spider Man villains with good ol' Hollywood Paul Lewis! Your Spidey-Sense will tingle in this battle to the finish! We also take time to pay our respects over the tragic losses of Dolly Parton, Tim Curry, and Peter Cullen. All this and more on our fourth anniversary celebration!

In this episode of The President's Daily Brief:• The United States and Iran exchange another round of strikes, as Tehran launches missiles and drones and President Trump warns that something much larger could follow.• Germany formally accuses Russia of targeting a Ukrainian cargo plane with explosive-laden drones on German soil, prompting retaliation from Berlin.• Mexican cartels are increasingly using car bombs, explosive drones, and landmines as their fight against the country's security forces grows more militarized.• In today's Back of the Brief, Army Secretary Dan Driscoll resigns after clashing with Secretary of War Pete Hegseth, marking another senior departure from the Pentagon.To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting https://PDBPremium.com.Please remember to subscribe if you enjoyed this episode of The President's Daily Brief.YouTube: youtube.com/@presidentsdailybriefTax Relief Advocates: End your tax nightmare today by visiting us online at https://TRA.com or call 800-583-6515MOD: For a free consultation and get 10% off your first order PLUS free shipping with promo code PDB at https://mod.comMUD/WTR: Start your new morning ritual & get up to 43% off your @MUDWTR with code PDB at https://mudwtr.com/PDB#mudwtrpod

A decade on from her breakthrough, Jorja Smith reflects on growing up in the public eye, staying independent and turning towards the dance floor. Jorja Smith's career took off in 2016, when "Blue Lights" introduced her voice to a global audience. In the 10 years since that single went stratospheric, the Walsall-born artist has released three albums, collaborated with Drake, Burna Boy, Wizkid and Ezra Collective, and built an international career without ever signing to a major label. Her third album, What Are The Odds, marks a new chapter, as she turns towards the dance floor. Made entirely with producer P2J, the record draws from a broad palette of sounds, including UK garage, funky and Afro house—extending a run of summer-dominating, club-smashing collaborations with the likes of Nia Archives ("Little Things (Remix)") and Preditah ("On My Mind.") Smith has described it as music to make people move, and she'll take the tracks to London's O2 Arena next summer for the first headline show at the venue of her career. In this Exchange, Smith talks to RA's Content Product Lead Antonia Odunlami about growing up in the public eye, moving back to Walsall after London became too much and protecting the parts of herself she wants to keep private. She also discusses remaining independent, learning to set goals and how she curated her recent All Points East set. Listen to the episode in full. @jorjasmith

For community health centers with limited staff, a request for thousands of medical records can quickly become an overwhelming administrative burden. In this episode, Joe Van de Graaff, VP of Growth at Sherpas Healthcare Solutions, explains how Sherpas helps healthcare providers and payers securely find and release medical records while reducing the operational burden of audits, compliance reviews, and data requests. He discusses why FQHCs are particularly well-suited to Sherpas' mission and business model, how automation and EHR interoperability can streamline record retrieval, and why AI could play an increasingly important role in transforming manual healthcare workflows. Joe also shares what he is seeing across the community health landscape as organizations balance limited resources with growing administrative demands. Tune in to learn how smarter medical record workflows can help community health centers spend less time carrying the administrative load and more time serving their patients! Resources: Connect with and follow Joe Van de Graaff on LinkedIn. Follow Sherpas Healthcare Solutions on LinkedIn and explore their website.

Jorja Smith's career took off in 2016, when "Blue Lights" introduced her voice to a global audience. In the 10 years since that single went stratospheric, the Walsall-born artist has released three albums, collaborated with Drake, Burna Boy, Wizkid and Ezra Collective, and built an international career without ever signing to a major label.Her third album, What Are The Odds, marks a new chapter, as she turns towards the dance floor. Made entirely with producer P2J, the record draws from a broad palette of sounds, including UK garage, funky and Afro house. Smith has described it as music to make people move, and she'll take the tracks to London's O2 Arena next summer for the first headline show at the venue of her career.In this Exchange, Smith talks to RA's Antonia Odunlami about growing up in the public eye, moving back to Walsall after London became too much and protecting the parts of herself she wants to keep private. She also discusses remaining independent, learning to set goals and how she curated her recent All Points East set.Listen to the episode in full. Hosted on Acast. See acast.com/privacy for more information.

22,000 Exchange Servers Exposed, 700 AI Agents Swarm Hugging Face, and FSB Warns Frontier AI Is Top Financial Risk Cybersecurity Today with host David Shipley reports nearly 21,899 Microsoft Exchange servers still exposed and unpatched for high-severity auth-bypass CVE-2026-62911, enabling mailbox takeover, with exploit code circulating and Germany warning most on-prem Exchange remains vulnerable as support deadlines loom. The U.S. DOJ also corrected a press release to say multiple U.S. agencies were targeted—not confirmed victims—by China-linked QTFY intrusions. Postmortems on the OpenAI/Hugging Face incident describe roughly 700 agents coordinating via shared notes and messaging to exploit systems, steal tokens and credentials, execute commands, and compromise infrastructure before Hugging Face shut it down July 13. Palo Alto Unit 42 warns AI-driven exploitation is arriving, citing a case where AI leveraged 50 vulnerabilities in 10 hours. The Financial Stability Board calls frontier-AI cyber risk the most immediate threat to global finance and urges stronger safeguards and recovery planning. 00:00 Today's Cyber Headlines 00:32 Exchange Servers Wide Open 02:36 DOJ Walks Back Claims 03:29 700 Agents Hit Hugging Face 05:09 AI Exploits 50 Bugs Fast 06:43 Financial Watchdog Warns 08:25 Wrap Up and Sign Off  

Anthropic announces safety changes and new models USPS installs "untested" IT systems for mail-in ballots Thousands of Exchange servers vulnerable to hijacks Get the full show notes here: https://cisoseries.com/cybersecurity-news-fable-5-1-released-usps-untested-it-exchange-hijack-vulnerability/  Huge thanks to our episode sponsor, KnowBe4 Your employees have always been the target, but the threats they face are evolving. AI empowers cybercriminals to clone a coworker's voice, fake a video call with your CEO, or personalize a phishing email using details scraped from your own website. KnowBe4's AI-native Security Awareness Training (SAT) fights back with 12 autonomous defense agents that allow you to deliver personalized, relevant, and engaging training that adapts as fast as the threats your people face every day. More than 70,000 organizations trust KnowBe4 worldwide. Find out why at KnowBe4.com.

What makes a dance feel good when we willingly let go of control?In this episode, I sit down with David Kaminsky, dancer, musician, researcher, and professor, based in California.We talk about: ​ How David first entered dance through Swedish folk music and Polska​ The connection between Aikido and leading in a partner dance​ Playing live music for dancers and the unique conversations that happen through music​ A magical memory of dancing in a forest surrounded by light at Recess​ What it means to lead, follow, and take care of a partnerDavid shares ideas that come from years of research, but always connects them back to real experiences on the dance floor.If you have ever wondered why certain dances feel so comfortable, why connection matters, or why dancing can change how we move through the world, this conversation offers plenty to reflect on.______________________________________________​Subscribe & review the podcast to help me grow

FROM THE ARCHIVES: With NASCON26 happening in Baltimore this weekend, we're resurfacing one of Rob and Pam Skinner's most practical episodes on how to make the most of a Christian conference. Originally recorded before the 2022 World Discipleship Summit, the principles are just as relevant for NASCON today. Going to NASCON26 in Baltimore this weekend? Listen to this before you go. We're bringing back this episode of the Rob Skinner Podcast because the advice Pam and I shared about making the most of a conference may be more relevant than ever—especially for singles heading to NASCON26: Divine Design – Created for Purpose. A great Christian conference can encourage your faith, give you fresh vision, create lifelong friendships and introduce you to people who may change the direction of your life. But don't just show up and hope something happens. Prepare for it. In this episode, Pam and I talk about what you can do before and during a conference to get the most out of the experience. Before you go: Pray about what God wants you to learn and where you need to grow. Pray to make new friends. Contact people you'd like to spend time with before everyone's schedule fills up. Don't plan to spend the entire conference only with people from your home church. Prepare yourself spiritually. Get rested. And yes—look your best and make a great first impression. Once you're there: Be loving to the person standing in front of you. Smile. Introduce yourself. Get outside your comfort zone. Sit toward the front. Take notes. Thank the speakers and people serving. Use meals to build relationships instead of spending half your lunch trying to find the perfect restaurant. Remember people's names. Ask good questions. Listen more than you talk. Exchange contact information. And follow up with the people you meet. And if you're single... This could be a life-changing weekend. Pam and I share the story of two Christians who met at a conference—and eventually got married. Does that mean you're going to NASCON just to find a spouse? No. Go to learn. Go to grow. Go to deepen your relationship with God. Go to make friends. But also be open to what God may do. Be bold. Meet people. Don't spend the whole weekend surrounded by the same friends you traveled with. If someone says, "There's somebody I'd like you to meet," be open. If you're on a date, don't spend the entire conversation talking about yourself. Ask questions. Be interested. Keep it light. Have fun. NASCON26's theme is Divine Design – Created for Purpose. Go into this weekend believing that God has a purpose for you right now. Ask him: "What do you want me to learn?" "Who do you want me to meet?" "Who can I encourage?" "How do you want me to grow?" Prepare for it. Get ready for it. And expect God to work. Have an incredible NASCON26—and make this life count. —Rob

The Reality of the "Everyday Grind"I'm familiar with the weight you're carrying because I've felt it too. We look at the world around us and it feels like it's going to hell in a handbasket. Between the headlines of wars, invasions, and threats of famine, and the literal shaking of the earth beneath our feet, it is a terrifying time to be raising a family. For a single mother, these global crises aren't just news stories; they add a heavy layer to the "everyday grind". The relentless pressure to keep your head above water when the waves just won't stop coming.The anxiety we feel isn't a personal failure or a lack of faith; it is a natural response to a world that feels increasingly unstable. Whether you are a young mother wondering how your children will ever survive on their own, or you're like a dear 80-year-old friend of mine who is struggling to cope because life didn't turn out the way she planned, these fears are visceral. Here are the common stressors many of us are facing today:Financial Survival: The constant, gnawing worry about whether the rent will be paid or if you can afford the next grocery trip.The Fragility of Security: The fear that after decades of hard work, someone can simply change the rules, causing you to lose your savings or even your home.The Future of Our Children: Looking at how hard we struggle and worrying that the next generation won't have the footing they need to survive.The Weight of the Unknown: Facing a world where the plans we were told would work simply don't anymore.These fears are real, and the threat is genuine. But I want to tell you today that while these things are happening, they do not have to be the end of your story.Identifying What We Can (and Can't) ControlWhen the storms are howling, we have to be very careful about where we spend our limited energy. It is so easy to exhaust ourselves trying to fix things that are completely out of our hands. I've learned that the onus is on us to stop depending on things that are ever-changing—like job rules or the economy and instead look for a permanent source of stability. It's about protecting your heart and mind by choosing where to look.We can stop wasting our strength on the "what-ifs" and start leaning into what actually brings peace:Things We Can't ControlWhere to Place Our EnergyGlobal invasions, wars, and faminesOpening an honest dialogue with the LordArbitrary changes to work rules or "the way things are done"Strengthening your spiritual foundationThe past or the plans that didn't work outTalking to God about your specific needs right nowOther people's decisions that affect your home or savingsFinding a rest that doesn't depend on the world's rulesI know this works because I lived it. I was a divorced mom left to raise two toddlers, ages two and four, all by myself. I know that heart-pounding fear of not knowing where the next meal is coming from or if we'd lose our roof. But looking back now that my children are grown, I can see that those needs were met. It wasn't as bad as my anxiety told me it would be. When we hit the limit of what we can do, we usually find ourselves at a crossroads—and for most of us, that crossroads happens at 3:00 AM.The 3 AM Invitation: From Palpitations to PrayerWe've all been there: lying in the dark at 3:00 AM, heart racing, chest tight with palpitations, and a mind spinning through a million things that are wrong. It's exhausting. But I want to encourage you to see those sleepless hours not as a burden, but as a "whisper" from the Lord. For months, I struggled through those nights until I finally heard Him say, “Come talk to me.”That invitation changed everything. I stopped "blabbering" to myself about my problems and started talking to the only One who could actually do something about them. If you are feeling burdened and overwhelmed, try this Prayer Process:Change Your Posture: Don't just lie there tossing and turning. Physically turn over onto your knees. It signals to your heart that you are moving from worry to connection.Be Persistent: If you're up at 2:00 AM or 3:00 AM, use that time. This isn't a one-time fix; it's a daily (and nightly) practice of seeking peace.Cast Your Cares: Take every single one of those "million and one things" and do what 1 Peter 5:7 says: Cast all your cares on Him.Exchange the Load: You were never meant to carry the weight of the world while also working full-time and raising your babies. Hand Him the load so you can receive the rest He created you for.The result isn't always that the problems go away instantly, but the internal storm goes quiet. You can be physically tired but mentally and spiritually calm.Dropping Your Anchor and Finding GratitudeThink of a ship in the middle of a storm. Without an anchor, it's just going to be tossed about by every wave. For us, dropping our anchor in Christ is what steadies the ship. It's the difference between being lost at sea and staying grounded while the storm passes.The Anchor: This daily prayer forms your anchor. Life might still be "wavy," but you aren't being thrown around by the wind and tide anymore. You are steady.The Gratitude Shift: When you unburden your mind, you finally have room for joy. I remember walking one Saturday morning and my cousin called to ask how I was. Usually, I'd just say, "Why complain? Nobody's hearing me anyway." But because of this peace, I actually said, "You know what? I woke up, I got out of bed on my own, I'm walking, and I'm enjoying the sunshine."Quote of the Week: "Problems weren't solved, challenges were still there. Anxiety took a back seat to peace."You don't have to carry the physical toll of this life anymore. You don't have to live with the headaches and backaches that come from constant stress. By dropping your anchor, you let go of the physical weight and find the strength to keep moving forward, one grateful step at a time.5. Key Takeaways & Timestamps[00:01:24] The Everyday Grind: Acknowledging that global instability and the pressure of providing are real, but they don't have to steal your peace.[00:03:50] Releasing Control: My personal story of raising two toddlers and realizing that things are rarely as bad as our anxiety predicts.[00:06:06] The 3 AM Invitation: How to recognize the "whisper" to stop worrying and start praying when you can't sleep.[00:08:05] Unburdening Yourself: Understanding the power of 1 Peter 5:7 and finding a calm spirit even when you're physically tired.[00:10:01] Dropping the Anchor: The shift from a "why complain" attitude to a heart of gratitude for the simple things like walking and sunshine.[00:12:12] Final Encouragement: A reminder that you don't have to carry the physical pain of stress; you can drop your anchor in Christ today.Community & ResourcesI am so glad you spent this time with me today. Please remember, you aren't alone in this journey. I'm just out here getting some sun on my skin and being grateful for the chance to walk and talk with you. Let's stay connected and keep supporting each other as we navigate these choppy waters together.Reach Out: If you need a listening ear or want to share your story, fill out the contact form at https://www.jrosemarie.com/contact.Support the Show: Find resources to help you stay anchored at our Amazon storefront: https://a.co/d/0iognzp6.Join the Conversation: I'd love to hear how you're finding peace today. Please follow the show and leave a comment below! Thank you.https://solomomstalk.mysites.io/podcast-2-copy/what-to-do-when-life-seems-out-of-your-controlThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy

It's a two-for-one Tourism Tuesday! Host Janet Michael and Justin Kerns of the Winchester-Frederick County Convention & Visitors Bureau head to downtown Winchester's historic former bank building, The Exchange on Loudoun, to talk with co-owners Molly McGehee-Hanson and Jillian McGehee about the Last Sunday Market — an indoor artisan makers and growers market that's already drawing hundreds of visitors a month. Then they head downstairs into the building's old bank vault to visit The Winchester Tavern, where Chef Dan Kalber and mixologist Courtney Rust talk crafted cocktails, farm-to-table sourcing, and the family of downtown restaurants — Village Square, Water Street Kitchen, and Mangia Cucina Italiana — behind it all. Two businesses, one incredible building, and a whole lot of local flavor. LINKS & RESOURCES The Exchange on Loudoun — theexchangeonloudoun.com Last Sunday Market — Facebook and Instagram The Winchester Tavern — thewinchestertavern.com Winchester-Frederick County Convention & Visitors Bureau — visitwinchesterva.com THE VALLEY TODAY with Janet Michael — A decade of conversations. New podcast episodes drop weekdays at 11 AM. Catch the show on The River 95.3 and Fox Sports 1450 AM weekdays just after noon. Subscribe and listen at thevalleytodaypodcast.com — available on Apple Podcasts, Spotify, and wherever you get your podcasts. If you enjoy the show, please take a moment to leave a rating or review — it helps more listeners find us. Connect with us: Facebook — facebook.com/ValleyTodayFanPage Instagram — instagram.com/thevalleytoday

Iran's leaders worry about the U.S. economic squeeze as the United States and Iran trade fire in the Persian Gulf region. Plus, faculty at the University of North Carolina fail to undermine the school's new School of Civic Life and Leadership. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Brian Kilmeade and Lawrence Jones react to new poll numbers showing Republicans trailing in critical Senate battlegrounds—and explain why keeping voters energized is the key to winning in November. Plus, Florida gubernatorial nominee Rep. Byron Donalds breaks down his plan to lower costs, protect conservative values, and defeat the radical left. Later, Trey Yingst and Farley Weiss join to discuss the latest flare-up with Iran, foreign policy, and the deepening rifts within the Democratic Party. [00:00:00] Lawrence Jones   [00:18:26] Rep. Byron Donalds   [00:36:59] Michael Goodwin   [00:46:12] Trey Yingst   [00:55:13] Farley Weiss   [01:13:37] Rep. Jim Jordan Learn more about your ad choices. Visit podcastchoices.com/adchoices

Join the IATC Exchange Zone for our annual Preseason Awards Show! We'll recognize some of Iowa's top returning cross country athletes and teams, reveal our preseason award winners, and preview the upcoming season. Tune in to see who enters the year with high expectations and who could make a run at championship glory this fall!

Christina Ho knows some people would describe audit as “painful,” so what if there was a way to make it “faster, better, and cheaper?” In this episode, Robert and Adam sit down with Christina Ho, former PCAOB Board Member and Chief Assurance Officer at Oath to discuss her new project using AI to improve the auditing process by testing 100% of transactions. Plus, learn about her vision for a “whole new category” of independent verification, and how the current view of audit as a compliance exercise is not producing the value it is intended to. Thanks to our sponsors at Allocore! Show Notes: Allocore.com Variety: Dolly Parton, Queen of Country Music, Dies at 80 The Washington Post: Red Tape Newsletter Piece Treasury: Treasury Announces the Quantum-Readiness Task Force DOJ: Department of Justice Announces Launch of National Fraud Detection Center to Combat Fraud Against Taxpayer-Funded Programs FedScoop: Draft OMB memo mandates agency use of Login.gov on government websites Federal CDO Council: DCAT-US v3.0 Schema Implementation Guide WSJ: Former Audit Regulator Helps Set Up Accounting Firm Targeting 80% Automation PCAOB: Christina Ho Oath Verified: oathverified.com HHS: HHS Cracks Down on Years of Unchecked Audit Findings OMB: M-25-30 OMB: Accelerating Federal Use of AI through Innovation, Governance, and Public Trust OMB: Driving Efficient Acquisition of Artificial Intelligence in Government  What's on the GovNavigators' radar? August 31st  The House is back in session September 9th  GovNavigators and Senior Executives Association Policy Wonk Happy Hour, The Exchange, Washington D.C., 5-7 PM September 14th  The Senate is back in session September 15th  The Data Foundation's govDATAx, George Washington University 

Market update for Monday August 31, 2026Check out the Public app for incredible investing tools and to support the show (LINK)Tim Cook Deep Dive: {YouTube)(Spotify) Follow us on Instagram (@TheRundownDaily) for bonus content and instant reactions.In today's episode, Zaid covers:Kevin Warsh's hawkish Jackson Hole speech and why the odds of a September rate hike jumpedThe latest U.S.-Iran exchange of strikes and why oil prices are back above $90 a barrelTim Cook's final day as Apple CEO and the big challenges facing incoming CEO John TernusGameStop's profit surge from its eBay investment and PG&E's selloff over wildfire liability fearsWhy LIV Golf could be headed for bankruptcy

Today's top stories, with context, in just 15 minutes. On today's podcast: 1) The US and Iran exchanged strikes as American forces hit an island in the Strait of Hormuz and Iran responded by launching attacks on the United Arab Emirates and Jordan. Iranian media said the country's authorities seized a bulk carrier near the port of Bandar Abbas and claimed an oil supertanker was hit by mines early on Monday. The incidents underline the high tensions between Washington and Tehran, with crude oil prices rising and several current and former US and Iranian officials expecting the conflict to drag on for months. 2) Bond investors are skeptical about speculation that Federal Reserve Chairman Kevin Warsh is poised to raise interest rates after his speech on Friday. Investors have doubts due to Warsh's past comments and actions, which have not always been clear, and are bracing for the risk that he keeps rates steady again. The reaction of the market will depend on upcoming economic data, including employment and inflation figures, with some investors warning that the Fed's credibility could be at risk if it does not follow through on expected rate hikes. 3) Nepal is racing to find thousands still missing after a glacial collapse unleashed catastrophic flooding along the border with China, with rising water levels and worsening weather threatening to hamper rescue efforts. More than 8,700 people have been rescued, with almost 20,000 security personnel mobilized, and at least 752 people have been confirmed dead, while over 3,000 are still unaccounted for. Rescue personnel have been told to exercise "utmost caution" as they work to retrieve bodies and provide relief services, with challenges mounting as days pass and weather conditions weigh on rescue efforts.See omnystudio.com/listener for privacy information.

US attacked two missile launchers of the IRGC on Larak Island on Sunday, which were said to be on standby to launch missiles with sea mines toward the Strait of Hormuz.Iran's Revolutionary Guards later announced that they retaliated with missiles and drones against two US bases in Jordan and warned that any attack against them will be met with a more devastating response.Crude futures gapped higher at the open amid the geopolitical escalation in the Middle East; FX and Fixed Income did not react to the rise in oil.APAC stocks were mostly lower heading into month-end; European equity futures indicate a lower cash market open.Looking ahead, highlights include German Inflation Flash (Aug). Supply from the EU; UK Summer Bank Holiday (desk remains open as usual).Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Philip The Artist: Philip The Artist, Corey's producer, addresses the Ghoul on his social media which leads to the reveal that HE IS A FRIEND OF THE SHOW!Birthday Bash Reveals: More truth comes to light as we have additional details on Mike's Birthday Bash experience, including going back stage!Guess The Mess: We are getting some threatening Instagram DMs, who could be sending them? If you guessed Zen Feldman? You are right!COREY FELDMAN!, SHOW STOPPER!, LET'S JUST TALK!, DON CHEADLE!, BOOGIE NIGHTS!, JIM AND THEM IS POP CULTURE!, COREY FELDMAN SHOW!, SPRAGELS!, FILTH PIG!, NO JEFF!, COREY FELDMAN PINATA!, TELL THAT LADY TO SHUT UP!, CARDS!, CLOTHES SWATCH!, RIP RISA!, SELFISH!, PHIL!, BIRTHDAY BASH!, PHILIP THE ARTIST!, STUDIO!, IG STORIES!, TELLING IT LIKE IT IS!, SMALL STATURE!, TALENT!, PHYSICAL!, MASTERCLASS!, FRIEND OF THE SHOW!, GIMME THAT ROCK AND ROLL!, STUDIO!, FRIENDSHIP ARC!, REALITY SHOWS!, MELTDOWNS!, PEDOS!, PEDO PROTECTORS!, MATTHEW!, MIKE IS BACKSTAGE!, PHIL! PLAYING WITH FIRE!, SERIAL KILLER!, ADRIEN SKYE!, GOTHSPEL!, EXCHANGE!, HANDSHAEK!, BACK TO BACK!, BUMPED INTO!, LITTLE MAN!, SECURITY!, SPOOKED!, ROB DUKES!, EXODUS!, STONE COLD STEVE AUSTIN!, BRIAN PULLMAN!, GUN!, GUESS THE MESS!, THREATS!, DIVINE BING BING!, ZEN FELDMAN!, FLUGELRODS!, BIBLE!, BOY!, BOXING!, CONTRACT!, FIGHT!, BIRTHDAY!, 22!, MANIC EPISODE!, GODSPEED!, F SLUR!, XXXTENTACION!, SUZI SPRAGUE!, COREY'S TWITTER!, TROLLING!You can find the videos from this episode at our Discord RIGHT HERE!

Click here for more on this topic and other free resources - https://www.drjimrichards.com What if faith isn't about trying harder to get God to do something, but learning how to participate in what Jesus has already accomplished? This message, Entering the Exchange, explains one of the most life-changing truths in the gospel: through the death, burial, and resurrection of Jesus, God has already made an incredible exchange available to every believer. The question is, are you sharing in it? You'll discover why fellowship with God is so much more than believing Bible facts, how to move beyond striving and performance, and what it really means to participate in Christ's finished work. Jim also addresses common misunderstandings about faith, showing why true faith begins with trusting what Jesus has already accomplished instead of trying to earn what God has already given. If you've ever felt like you're working hard to make your faith "work," this message will help you experience a new level of rest, confidence, and intimacy with God. You'll learn how to stop relating to God through your own efforts and begin living from the victory Jesus has already secured for you. Watch now and discover how entering the exchange can transform the way you experience faith, grace, and everyday life.

The British jungle star reflects on grief, artistic integrity, bass communities and why slowing down has become central to the next phase of her career. In 2019, SHERELLE's life changed when a viral Boiler Room set introduced her high-speed blend of jungle, footwork and hardcore to a global audience. This much we know. So what comes after the storm? In the 2020s, the Londoner has become one of the most recognisable figures in UK dance music: major festival stages, a BBC Radio 6 Music show and even a MOBO award. Yet after putting herself through over 100 shows a year, and turning 30, she began to question the pace of life as a touring DJ. The deaths of two close family members over the past 12 months brought those questions into focus, reshaping how she thinks about DJing, friendship, club culture and what she wants to leave behind. In this Exchange, SHERELLE speaks with RA Editor Gabe Szatan about learning to take pride in her achievements, resisting the pressure to turn music into social media content and giving UK bass artists their flowers while they're still here. She also discusses Hooversound—the label she runs with NAINA—racial and class hierarchies that shape dance music, and Rest & Restoration, her new party built around longer sets, affordable tickets and a simple philosophy to slow down, and make time for the people you love. Listen to the episode in full. @iamsherelle

On this week's Political Breakfast, we talk about a recent exchange between Georgia gubernatorial candidates Keisha Lance Bottoms and Rick Jackson. It all unfolded in a hotel parking lot, after a Jackson attack ad took aim at Bottoms' husband. Democratic strategist Tharon Johnson and Republican strategist Brian Robinson discuss with host Lisa Rayam how campaigns decide whether to rebut a claim, attack the messenger, or just change the subject. A quick note: Brian advises Rick Jackson and Tharon advises Keisha Lance Bottoms. Plus, Atlanta did not make the final cut to host the 2028 Democratic National Convention. Mayor Andre Dickens did not react kindly to the snub. In a letter to the DNC, Dickens wrote that its leaders "continue to make the wrong choices," that the "road to the White House runs through the South" and they are "once again abandoning Black voters." Plus, as Jackson's campaign promises to crack down on illegal immigration, a lawsuit filed by foreign-born nurses against one of the companies under his healthcare empire, accuses Avant Healthcare Professionals of "luring them to the United States" only to pay them low wages and trap them in contracts for years.See omnystudio.com/listener for privacy information.

The British jungle star reflects on grief, artistic integrity, bass communities and why slowing down has become central to the next phase of her career.In 2019, SHERELLE's life changed when a viral Boiler Room set introduced her high-speed blend of jungle, footwork and hardcore to a global audience. This much we know. So what comes after the storm?In the 2020s, the Londoner has become one of the most recognisable figures in UK dance music: major festival stages, a BBC Radio 6 Music show and even a MOBO award. Yet after putting herself through over 100 shows a year, and turning 30, she began to question the pace of life as a touring DJ. The deaths of two close family members over the past 12 months brought those questions into focus, reshaping how she thinks about DJing, friendship, club culture and what she wants to leave behind.In this Exchange, SHERELLE speaks with RA Editor Gabe Szatan about learning to take pride in her achievements, resisting the pressure to turn music into social media content and giving UK bass artists their flowers while they're still here.She also discusses Hooversound—the label she runs with NAINA—racial and class hierarchies that shape dance music, and Rest & Restoration, her new party built around longer sets, affordable tickets and a simple philosophy to slow down, and make time for the people you love.Listen to the episode in full. Hosted on Acast. See acast.com/privacy for more information.

Ian Happ talks heated exchange between Cubs, Merrill Kelly & D-Backs full 806 Tue, 25 Aug 2026 19:10:00 +0000 198i62B96hzfR3Mox1NLghDQ8CmBkWWn mlb,chicago cubs,sports Rahimi & Grote Show mlb,chicago cubs,sports Ian Happ talks heated exchange between Cubs, Merrill Kelly & D-Backs Leila Rahimi and Mark Grote bring a thoughtful, fast-moving approach to Chicago sports as they break down the day's biggest stories across the NFL, MLB, NBA and college sports, with Chicago always leading the conversation — from the Bears and Cubs to the Bulls, White Sox and more. Known for smart analysis, lively discussion and caller interaction, the show offers Chicago fans an informed perspective on everything happening in the city's sports landscape. Catch the Rahimi & Grote Show live Monday through Friday from 10 a.m. to 2 p.m. on 104.3 The Score or on the Audacy app. © 2026 Audacy, Inc. Sports https://player.amperwavepo

What separates a strong nurse anesthesia applicant from someone who simply looks impressive on paper? In this episode of Airway Exchange, Erin and Louisa sit down with Leah Gordon, DNP, APRN, CRNA, program director and assistant professor in the Nurse Anesthesiology Program at St. Mary's University of Minnesota and author of The Provider Mindset: A Complete Guide to Becoming a Competitive Nurse Anesthesiology Applicant. Together, they explore what educators are really looking for during the admissions process and why GPA, ICU experience, shadowing hours, and a polished interview only tell part of the story. Here's some of what you'll hear in this episode:

We'd love to hear from you! Send us a text!Why did making friends feel so much easier when we were kids—and why can it feel so complicated as adults? In this episode, Elizabeth gets REAL about adult friendship: how we define a friend matters, why our relationships change, the expectations we bring into them, and the ways we may unknowingly make connection harder than it needs to be. We'll talk about letting go of the idea of the “perfect” friend, understanding that friendships have seasons, and recognizing the part we play in building the community we long for. Because maybe the answer isn't just finding better friends—it's learning how to be one.Elizabeth Pehrson created The Exchange in 2015. The Exchange is a monthly event     for ALL adult women. Women who work outside the home. And women who work in the home. Women who are single. And women who are married. Women who are moms. Women who are grand-moms. No matter what season of life you are in, The Exchange is here to inspire you to live life ON PURPOSE and WITH INTENTION.The Exchange is a non-profit that provides an environment for women to hear practical advice from topics Elizabeth has read and life lessons she has learned, and is currently learning. Equipping us to become better women tomorrow than we are today. And to ultimately use that to pour back into those around us. Tickets and info: theexchangeus.orgfollow us on instagram: theexchangeusfollow us on Facebook: the exchange cumming

Join Alex Tapscott as he decodes the world of crypto with special guest Eric Richmond, Country Director and CEO of Coinbase Canada. Listen in as they trade the "everything store" for the "everything exchange" — Coinbase's bet that one trusted, on-chain platform can carry a person's entire financial life. Eric explains why Canada is one of Coinbase's fastest-growing markets now that 25% of Canadians own crypto, what's actually getting used today — USDC yield, crypto derivatives, and tokenized equities that went live this week — and why 24/7 markets and instant settlement make tokenized stocks more than a repackaged brokerage account. Alex and Eric also dig into Canada's regulatory backslide: how a country that led on crypto ETFs ended up governing a new asset class through staff notices and exemption orders, why simply custodying Bitcoin turns it into a security here, and the Schrödinger's stablecoin problem the Stablecoin Act leaves unresolved. Plus: Base as evolution rather than hedge, and why the AI agent economy runs on stablecoins — agents can't open bank accounts, but they can hold wallets.

Shane Walls spent almost 16 years at GameStop before taking a year away from work and turning his life as a collector into a career at Indy Card Exchange.Today, Shane serves as the shop's lead buyer. He reviews 30 to 50 collection requests each week and helps decide which cards belong in the cases, at shows, online, and in the shop's kids section.Shane joins Brett to explain why a recent comp is only the start of a card's value, what he learns from the cards collectors bring in each day, and why trust matters when someone puts a collection in front of you.They also discuss the $600 Tom Brady one-of-one Shane sold for $96,000, the soccer collection that helped him buy a house, and the relationships required to build a career in sports cards.Sign up for Hobby Jobs and The Weekly Rip for freeA special thank you to eBay for sponsoring Passion to Profession. The biggest and best marketplace to buy your next favorite trading card.Get exclusive content, promote your cards, and connect with other collectors who listen to the pod today by joining the Patreon: Join Stacking Slabs Podcast PatreonFollow Stacking Slabs: | Twitter | Instagram | Facebook | Tiktok ★ Support this podcast on Patreon ★

Abby Schmitz, IATC presidentState Track & Field recapStorylines for 2026 in Cross Country

The Fulbright Program offers another unique path to experience Japan through academic and professional exchange. Dr. Rose Honegger joins the Krewe to share her Fulbright experience in Japan, what she gained from the program, and how it influenced her work in higher education. The conversation also explores who Fulbright is for, what makes a strong candidate, and tips for those considering applying. ------ About the Krewe ------ The Krewe of Japan Podcast is a weekly episodic podcast sponsored by the Japan Society of New Orleans. Check them out every Friday afternoon around noon CST on Apple, Google, Spotify, Amazon, Stitcher, or wherever you get your podcasts.  Want to share your experiences with the Krewe? Or perhaps you have ideas for episodes, feedback, comments, or questions? Let the Krewe know by e-mail at kreweofjapanpodcast@gmail.com or on social media (Twitter: @kreweofjapan, Instagram: @kreweofjapanpodcast, Facebook: Krewe of Japan Podcast Page, TikTok: @kreweofjapanpodcast, LinkedIn: Krewe of Japan LinkedIn Page, Blue Sky Social: @kreweofjapan.bsky.social, & the Krewe of Japan Youtube Channel). Until next time, enjoy! ------ Support the Krewe! Offer Links for Affiliates ------ Use the referral links below & our promo code from the episode! Support your favorite NFL Team AND podcast! Shop NFLShop to gear up for football season! Zencastr Offer Link - Use my special link to save 30% off your 1st month of any Zencastr paid plan!  ------ Links for the Fulbright Program ------ Fulbright Program Website ------ JSNO Upcoming Events ------ JSNO Event Calendar Join JSNO Today!

Chinese President Xi Jinping has called on China and Jordan to deepen cooperation in areas including trade, infrastructure, and AI, as he held talks with King Abdullah II who is on a state visit to China.

Romans 1 begins with the incredible announcement that the Gospel is the power of God that brings salvation. But then Paul turns our attention to a difficult question: If the truth about God is available to us, why do we so often choose something else? In Romans 1:18–32, Paul describes a progression that is as relevant today as it was in Rome—we can know the truth, ignore the truth, and eventually suppress the truth. And somewhere along the way, an exchange takes place. We trade the glory of the Creator for things He created. We look to success, relationships, possessions, pleasure, approval—even good things—to give us what only God can provide. This Sunday, as we continue our journey through Romans, we’ll confront the idols we may not even realize we’ve built and consider what happens when we exchange the God who made us for something that can never satisfy us. Join us Sunday at 8am or 11am for Romans: The Gospel Changes Everything as we look at Romans 1:18–32 and When We Exchange God for Idols. - Pastor Ben Key Verse - Romans 1:21 (NIV) - For although they knew God, they neither glorified him as God nor gave thanks to him, but their thinking became futile and their foolish hearts were darkened. For this week's Scripture and notes: https://bible.com/events/49642702

On this week's installment of our Summer Playlist, we welcome Russell Robertson back into the SmarterMarkets™ studio. Russell is Chief Business Development Officer at Abaxx Exchange and Clearinghouse in Singapore.   David Greely sits down with Russell to discuss his perspective on India's evolving role in the gold and silver markets and its growing importance to the global commodities derivatives industry. They also talk about the developing new network of markets and trading corridors stretching from India to the Middle East, Hong Kong, Thailand, and Singapore – and the opportunities it creates.  

On this episode of MSRcast, Cary the Metal Geek and Sean the Metal Pigeon welcome Justin and Chris from The Metal Exchange Podcast for a deep dive into everything ProgPower USA 2026! With the festival fast approaching, we break down the lineup, discuss the bands we're most excited to see, and make our picks for the must-see performances. We also look ahead to the future with our wish list of bands we'd love to see on next year's ProgPower lineup. But there's plenty more metal to discuss! We catch up on the latest Hell's Heroes news, including the 2027 lineup, and dive into the ongoing Demon Hunter lawsuit and the controversy surrounding the name KPop Demon Hunters. Plus, we've got a killer setlist featuring Sunburst, Scardust, Threshold, Kamelot, and Sarof. ProgPower predictions, festival wish lists, heavy metal news, and plenty of geekery—this episode has it all! Check out The Metal Exchange Podcast at metalexchangepodcast.com and follow Justin and Chris on social media for more metal discussions, reviews, interviews, and news.  Explore the metal universe at msrcast.com, your one-stop hub for all things MSRcast. Immerse yourself in podcast archives, interviews, reviews, and more.  Connect with us via msrcast@gmail.com, and stay updated on our socials @msrcast and @themetalpigeon. Connect with Cary and Sean on Facebook! Be sure to like our official fan page at facebook.com/msrcastofficial for all the latest updates, and join the conversation in our official Facebook group, the Metal Geeks Society—where metalheads and geeks unite! Spread the metal love – share the show, subscribe on iTunes, and leave a review.

After taking last week off due to Mr. OTM's internet outage, we are back at it again this week with a brand new episode! On episode 302, the OG duo of OTM get together to discuss the latest happenings across the WWE the past few weeks. A lot has happened, let's talk about it. Don't forget to follow us on all socials for more @PodOnTheMark. 

This week marks the 800th edition of World Ocean Radio. We began broadcasting in 2009 on Community Radio, WERU 89.9 FM in Blue Hill, Maine, USA. We thank the WERU management and trustees for their initial confidence in this project, and to all listeners and Citizens of the Ocean around the world, for tuning in and responding so positively. Adora Maris translates from the Latin as “worship of the sea,” reflecting cultural reverence of and for the ocean. Thanks for listening. The sea connects all things.A weekly series of 5-minute insights on ocean science, advocacy, education, global ocean issues, marine science, policy, challenges, and solutions. Hosted by Peter Neill, Founder of W2O. Celebrating the broadcast of our 800th episode in August of this year! The full catalog is free to download and is available for RSS feed and broadcast by college, community and public radio stations worldwide via Exchange.prx.org and Audioport.org. Visit WorldOceanObservatory.org for the full catalog, searchable by theme.  

Venture Capital Reporter Julia Hornstein talks with TITV Host Akash Pasricha about Anthropic's JV acquiring Casper Studios. We also talk with Julia about Nvidia's potential investment in Mercor as well as Yueqi Yang about Robinhood-backed prediction market Rothera. Lastly, we get into Fortune 500 AI ROI with PwC's Dallas Dolen.Articles discussed on this episode: https://www.theinformation.com/articles/anthropics-enterprise-ai-venture-buys-consultancyhttps://www.theinformation.com/articles/nvidia-discusses-funding-ai-data-supplier-mercor-20-billion-valuationhttps://www.theinformation.com/newsletters/the-information-finance/hot-new-prediction-exchange-never-heard-designSubscribe: YouTube: https://www.youtube.com/@theinformation The Information: https://www.theinformation.com/subscribe_hSign up for the AI Agenda newsletter: https://www.theinformation.com/features/ai-agendaTITV airs weekdays on YouTube, X and LinkedIn at 10AM PT / 1PM ET. Or check us out wherever you get your podcasts.Follow us:X: https://x.com/theinformationIG: https://www.instagram.com/theinformation/TikTok: https://www.tiktok.com/@titv.theinformationLinkedIn: https://www.linkedin.com/company/theinformation/Chapters:00:00 - Introduction01:13 - Anthropic's JV Acquires Casper Studios08:12 - Nvidia In Talks for $20B Mercor Round10:25 - Robinhood-Backed Prediction Exchange Rothera19:38 - SEC's First Crypto Token Rule Proposal22:53 - PwC on Fortune 500 AI Model ROI & SaaS Margins

Listen to the day's top stories, the must reads & a whole lot more for today's modern investor. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Careers are shaped as much by unexpected change as by growth. The most accomplished professionals share one skill: recognizing when it's time to pivot, and having the confidence to follow through. In this episode of Executives' Exchange, Jeanne Sparrow, Author and Keynote Speaker, reflects on the pivotal moments that shaped her career, the mentors who challenged her to think beyond her current path, and the mindset it takes to embrace change. Discover how embracing change could bring opportunities you never expected. Subscribe on Apple, Spotify, YouTube, or wherever you listen to podcasts.   Thank you to our podcast sponsor, Shure Incorporated. For nearly 100 years, Shure Incorporated has developed best-in-class audio products that provide high-quality performance, reliability and value. Headquartered in Niles, Illinois, our history of innovation and expertise in acoustics, wireless technology, and more enables us to deliver seamless, transparent audio experiences to a global audience. Our diverse product line includes world-class wired and wireless microphones, networked audio systems and signal processors, conferencing and discussion systems, software, a loudspeaker, and award-winning earphones and headphones. Find Shure on: Facebook | LinkedIn | Instagram 

The US musician, poet and performance artist reflects on "queer rap,” the industry that boxed him into it and the reinvention he's built on the other side.A consummate multi-hyphenate, Mykki Blanco (formerly she/her, now he/him) came up in a specific New York moment: the early '10s crossover between queer nightlife, noise and a rap underground that was just beginning to loosen its grip on who was allowed inside. Alongside artists like Le1f, Zebra Katz and Cakes da Killa, Blanco was lumped into a "queer rap" wave that acquired a cult following around the world, propped up MySpace and Tumblr.The co-signs came fast and from unlikely places. Blanco opened shows for Björk, Diplo and Major Lazer, collaborated with Madonna and spent seven months working closely with Kanye West. But he stayed outside the mainstream—partly by design, and partly because the industry of that era wasn't willing to let a Black queer rapper be anything other than a Black queer rapper.In this Exchange, Blanco reflects on the music industry's prejudices and limitations, and on how he's risen above them. After a few years off the touring circuit, he's back with a new album and a new sound. Café Paradiso, out in early September, is shaped less by the aggression that fuelled his early work, and more by solitude and mid-career reflection. He talks about his reinvention and more: the freedom that's come from leaving rap, the blueprint he laid for a whole generation of queer artists coming up behind him and what working with West actually looked like from the inside. Listen to the episode in full. Hosted on Acast. See acast.com/privacy for more information.

Raising Future HEALTHY Adults with Elizabeth Pehrson (Episode 296)   Hebrews 12:11 NIV “No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it.”   *Transcription Below*   Elizabeth Pehrson is a speaker, podcaster and founder of The Exchange. She's a yellow sanguine, who is full of energy and lives life wide-open! She loves Jesus and meaningful connections. Elizabeth is married to David and mother of EIGHT children, who range from high school to graduated from college.   Follow her online:  Instagram: @long_game_parenting or @octomama or @theexchangeus Facebook: https://www.facebook.com/elizabeth.m.pehrson   Thank you to Our Sponsor: WinShape Marriage   Questions and Topics We Cover: What are a handful of habits in the home that you see as most essential for families so that they all can experience a joyful life together? What natural consequences and strategic discipline can you offer as ideas for teens living at home? As parents, what else can we do now to help our kids reach maturity and independence as adults?   Previous Guests from The Savvy Sauce Episode Mentioned: 74 Effective Parenting for Toddlers Through College with Wife, Mother to 8, and The Exchange Founder, Elizabeth Pehrson Part 1  75 Responding to God's Stirring with Elizabeth Pehrson, Founder of The Exchange, Part Two Inspiring Perspective in Parenting with Kay Wyma (Episode 164) Stories of God's Upside Down Economy with Kristen Welch (Episode 174)   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 – 0:11) ‍ ‍ Laura Dugger: (0:12 - 1:18) ‍ ‍ 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. ‍ ‍ I'm thrilled to introduce you to our sponsor, WinShape Marriage. Their weekend marriage retreats will strengthen your marriage, while you enjoy the gorgeous setting, delicious food, and quality time with your spouse. To find out more, visit them online at winshapemarriage.org slash savvy. ‍ ‍ My returning guest for today is Elizabeth Pehrson, and if possible, we are going to get even more practical than we did last week, as we're going to discuss ways to actually enjoy parenting, while simultaneously preparing our children to launch as faithful and healthy adults someday. ‍ ‍ Here's our chat. ‍ ‍ Welcome back again to The Savvy Sauce, Elizabeth. I'm so excited to be here. ‍ ‍ This is fun. It's always a joy to get a chat with you, and we're going to go even more practical today, but do you mind sharing some disclaimers about that first? ‍ ‍ Elizabeth Pehrson: (1:32 - 1:57) ‍ ‍ Not at all. You know, when I was growing up, I grew up in the church, and I really looked at "train up a child in the way he should go, and when he's old, he will not depart from it," as a promise. And it really is a principle. And so as much as we want it to be A plus B equals C, it's not always that way. There are certain principles that we are to follow and God's asked us to, and so I think we need to focus on that and leave the rest to him. ‍ ‍ Laura Dugger: (1:57 - 2:28) ‍ ‍ That's so good. So, keeping that in mind, but then also hearing wise tips that we can hopefully implement. How do you think we can teach our children the importance of reciprocity, such as encouraging them to ask other people questions rather than just focusing the conversation on themselves, or encouraging them to do chores around the house, rather than just expecting their parents to do all the work or over function for them? ‍ ‍ Elizabeth Pehrson: (2:29 - 6:07) ‍ ‍ Oh, yeah, this one's right up my alley. I love this question so much. John F. Kennedy, you know, gave his famous speech, "ask not what your country can do for you, but what you can do for your country." And I think in the same way, we want each family member to ask not what can you do for me, but what can I do for the family. And we believe that wholeheartedly. ‍ ‍ And so, because of that, we started assigning age-appropriate chores at the age of three. And they have a chore every single day of the week, except for Sunday, even when they're busy, even when they have baseball, football, lacrosse, didn't matter what it was. We have this whiteboard in our home. And it's like the motherboard of all things in our family. And it's got on the top part of it, it has our calendar appointments, practices, games, meetings, you know, meals for the week, like everything you can imagine that it takes to run our family is at the top part. And then the second part of the whiteboard, we have a section that says, “because we clothe and feed you, and then it has their names underneath that. ‍ ‍ And so, when they leave for school, I look at the calendar, I look at everything that needs to be gotten done that day or that week for the family. And then I delegate it to each of the children. And so, I would assign them each a chore. And so, when they would get home from school, it was right there where they would walk in and put their backpacks down and they knew to look at their chore. And they knew that it had to be finished before dinner. And it made it so easy because there was no nagging, there was no reminding, there was no, you know, begging them to do it and following up, it was just so much a part of each of their day, just like going to school or brushing their teeth, it was something they knew they had to do. ‍ ‍ And in addition to that, in our home, when our children turn eight, we have this rule that you are no longer a consumer, but you are a contributor. So, at the age of eight, they have to start doing all their own laundry, washing their own sheets, and lots of other substantially harder chores. And then at nine, they have to start mowing the yard, they start cooking and things that actually really contribute to the family as a whole. ‍ ‍ And, you know, in the last episode, I talked a lot about modeling for our kids, you know, what we want them to learn. And as far as the, you know, talking about asking important, I mean, having them ask questions and reciprocity, it's the same thing as to you have to model it, right? You have to model that for your children. And so let them hear you ask the cashier how her day's going, you know, even if it embarrasses them, or, you know, how you speak to the waiter or the waitress, let them see you notice the neighbor struggling with something in their yard. Like let them watch you thank their father for taking the car to get the oil changed or taking the trash out just simple things like that. You know, something that our mentors taught us that we implemented with our children right away. ‍ ‍ And this was I cannot emphasize the impact that this had on our children enough. But when somebody anybody, but particular an adult asked you a question, you look them in the eyes, you answered their question. And then you responded with a question, you ask them a question that was a game changer. I can't tell you how many bus drivers, teachers, coaches said, “I've never had a student asked me how my weekend was.” I've never once, when they get on the bus asked me, ”How am I doing today? How was my day?” ‍ ‍ And again, it's not for any like praise or anything like that. But my point is, it's so countercultural that it stands out. And it's so important to have your children learn from a young age what it looks like to look an adult in the eye and ask her a question. If they can't do that, when they're older, they'll never be able to advocate for themselves. ‍ ‍ Laura Dugger: (6:08 - 6:21) ‍ ‍ I love all things countercultural. I think because a lot of times it does point back to Jesus, just even somebody experiencing that and having a wow factor. Ultimately, it's because the goodness of the Lord that they've just experienced. ‍ ‍ Elizabeth Pehrson: (6:22 - 6:23) ‍ ‍ Absolutely, absolutely. ‍ ‍ Laura Dugger: (6:23 - 6:38) ‍ ‍ So, do you have maybe a handful of habits in the home that you see as most essential for families so that everyone living there can enjoy and experience a joyful life together? ‍ ‍ Elizabeth Pehrson: (6:40 - 9:00) ‍ ‍ Oh, I'm sure that we do. I think joy in a home is rarely accidental. It's cultivated, it's intentional. And I would just say, ask what brings your family joy, and then do more of that. It's most likely going to be different for everybody. And I can only speak for us. But what we loved, what we did, family dinners around the dinner table were non-negotiable. ‍ ‍ There were seasons around the dinner table, that part was negotiable, because there were seasons, like we had four boys playing football. And so, we would have practices five nights a week and four games on Saturday. And so, we would take the dinner to the ballpark, and we would literally sit there as a family, because I wasn't going to constantly never have family dinner just for the six months in the fall, or winter, or whatever. But we used dinner time to ask intentional questions, to laugh, to tell stories. We joked, we role-played, that was a big one for us. ‍ ‍ Just as a family, we would do that together. And probably the best thing that we did, and the thing that we still do, is we make things fun. We play games, really fun ones. Not that board games aren't fun, those are fun. But instead of, our kids are grown now, and for Easter, they will all come home, and I will have created games out of Easter eggs with all different types. Not going to find them, but just different types. I'll line up 20 Easter eggs with different colors, and then the first person, they get 10 seconds to look at it. And then the first person that can replicate it with those colors. Things like that, what was in the Easter eggs, questions, that kind of stuff. ‍ ‍ One year, we did an Easter egg hunt, where we tied two people together. One was on the back, and the one below was blindfolded. So, the one on the back had to tell them where to go, and what to do. Or we leg-tied their legs together. Just things to make it creative or fun. At Christmas, we always play reindeer games. It's my kids' favorite thing that we do. We've often gotten in inflatables, and we've done an Easter egg hunt that way, where everyone's wearing these huge inflatables, or we play a kickball game. And that was our Christmas card this last year. But just anything that wants to make them want to participate, right? Want to have them want to come home. So that's what I would say. ‍ ‍ Laura Dugger: (9:01 - 9:18) ‍ ‍ I love it. And I don't remember the direct quote. It was from Bob Goff. But just saying how the more outlandish it is, or the more that you add variety or break from the norms, that's what they're going to remember. So, I'm sure your kids have incredible memories of all those holidays. ‍ ‍ Elizabeth Pehrson: (9:19 - 9:19) ‍ ‍ Yes. ‍ ‍ Laura Dugger: (9:20 - 9:38) ‍ ‍ I hope so, anyway. Oh, I'm sure that we'll have to steal some of those. But do you also have any stories to share for the payoff now that you're experiencing? Because when your children were little, you started them off with focusing on chores and hard work. ‍ ‍ Elizabeth Pehrson: (9:38 - 9:39) ‍ ‍ How long do you have? ‍ ‍ Laura Dugger: (9:40 - 9:42) ‍ ‍ Give everything you got. ‍ ‍ Elizabeth Pehrson: (9:42 - 14:13) ‍ ‍ Okay. Chores for children when they are young, it has proven to be the single biggest indicator of success when they're older. Hands down. Chores, specifically hard chores, they teach your kids responsibility. They teach them resourcefulness. It instills in them confidence. It instills in them capability. It instills in them competence. And I could give you example, after example, after example of how I've seen this payoff for my children. And I would say even in some ways, more importantly, how I have seen it negatively impact their friends, whose parents did not require them to work at home when they were younger. ‍ ‍ I remember my oldest son went off to college, and he called me after orientation and he's a man of few words, doesn't say thank you very often. And he said, "Mom, I have to tell you something." And I said, "What?" And he said, "You know, this is a pretty hard school to get into. And the people are competent. They're smart." He said, "I have never in my life seen a group of individuals that are so incapable of doing anything for themselves." He's like, "We're standing in line to get our, what's the ID, you know, their picture taken." He said, "Kid after kid on their phone. Hey, I don't, I don't have a credit card. I don't have a debit card. I don't know how to do this." He said, "I mean, and then he gets to college and it's like, they don't know how to get their oil changed. They don't know how to, you know, make their own doctor's appointment." And he thanked me. He's like, "I'm sorry. I resisted it when I was younger, but I just want to say thank you." ‍ ‍ And, you know, my daughter Libby called me one day and she said, "Mom, you know, you're not going to believe this." And I said, "What?" And so, she tells me of the story of her roommate, and her roommate had not left campus in six weeks. And so, she asked her, she said, "Hey, I thought you had a car here." And she said, "I do." And she said, "Well, why don't you ever leave?" And she said, "Well, I don't have gas." And she said, "Well, do you need money?" And she said, "Well, no, I don't need money." You know, she said, "I thought maybe you needed gas money." She said, "No." And she said, "Well, then what's going on?" She goes, "I've never put gas in my car." And that's not a chore, but that is a basic skill. Think about that, dropping your child off to college with a car and never having shown them or made them get their own gas. ‍ ‍ And then she called me a couple of weeks later. And she said to me, "Mom, did you know it's possible not to know how to hand wash dishes?" And I said, "Well, that's not possible. What are you talking about?" She said, "Well, she was just buying new dishes, plastic dishes. She was buying them because she didn't know how to wash them." And so, she said, "I said to her, hey, like you can just wash your dishes." She goes, "We don't have a dishwasher." And she said, "So I had to show her how to use soap and water to wash her own dishes." I mean, I could go on and on and on. ‍ ‍ I mean, I have another daughter that went off to college, and we were at the very first day moving them in and the mom was barking orders, telling everyone what to do. And after about 10 minutes, I was like, I went outside in the hallway, and I just sat down and removed myself. And her husband looks at me and he goes, "Wow, you learned quickly." And I said, "What does that mean?" And he said, "Get out of her way and let her do it." And I said, "Well, what about your daughter?" He goes, "Oh, she's never done anything for herself. She does everything for her." ‍ ‍ We got in the car to go home. And I just said to my husband, I said, "It's going to be really hard for our daughter because this girl's never done anything for themselves." I mean, I could give you story, after story, after story, but you know, when you require your children to put in hard work when they're really young, you know, they don't panic when life requires effort. Later on, they aren't entitled to comfort. They aren't entitled to other people doing things for them. You know, they know how to contribute, you know, wherever they land, whether it's in a dorm room, a house or, you know, college house or beyond, you know, my kids joke with me. They were like, "Mom, this can be a gift or a curse knowing how to do everything." And I said, "Well, what do you mean?" They're like, "Well, nobody else knows how to do everything. And they know that we do. So, they just want us to do it." And I was like, "Sorry about that. You know, sorry, you have to take care of it." ‍ ‍ But again, it's like, we are trying to train our kids up for independence, not to be dependent on us. And they go off to college or they graduate college, and they're already going to have first, like so many first being away from home, sleeping with a stranger in their same room, your dorm room, like so many things are going to have to navigate. And then do you want them to have to figure out how to do laundry, how to do dishes, how to I mean, no, it's like, wow, chores instill that. And then when they're really young. ‍ ‍ Laura Dugger: (14:14 - 14:23) ‍ ‍ So, did you and your husband sit down and map out everything that you wanted them to know? Or how did you come up with these chores? And what are some more examples? ‍ ‍ Elizabeth Pehrson: (14:24 - 16:09) ‍ ‍ Oh, yeah. And it's so interesting. It's so interesting, because I thought about this when I was thinking about our time together. But there's a book that we read. Well, there's a couple of books that we read that were pretty impactful. But one of them was called Cleaning House by Kate Wills Weima. And so, her 12 things, the idea of the book is to think about all the things you want to know your children know how to do and know how to do well when they leave home. And then you take one month and you just focus on that, that specific thing. And so, we sat down and her 12 things weren't our 12 things. Some of them were, but some of them were not. And so, we just did month after month after month of wanting them to know exactly, you know, how to do these things, you know, when we're grown, or when they're grown. And so we did that. ‍ ‍ But I mean, my husband, anytime he was working on the lawnmower, anytime he was doing anything in the yard, he gathered the boys around like, "Hey, boys, come on," and he was trying to show them or fixing the toilet or deal, you know, whatever it might have been. And I would do the same thing, whether it was in the garden, or whether it was in the kitchen, or whether it was outside with yard work, whatever, just to gather them around and involve them because they don't know. I mean, it's not their fault, but they won't know unless we show them. ‍ ‍ And one of the things I love is that the earlier you start showing them and training them up in these chores, and in this yard work, and in managing a home, the longer you have at home to train them up to do it well. But a lot of people think, oh, they're too young, or I'll just wait until they're older. Well, truth is, by the time they're 16, you really have very limited time with them. Very limited. And you're like, "Oh, when am I going to do that?" You know, they're at their sports, they're at school things, they're driving, they're with friends. And so, it's like, the earlier you can start the better. ‍ ‍ Laura Dugger: (16:11 - 16:22) ‍ ‍ So good, even I'm thinking we could even involve our kids in what else have we not thought of that you want to learn how to do because it really is a gift to be trained and to take that time. ‍ ‍ Elizabeth Pehrson: (16:23 - 16:32) ‍ ‍ I mean, and that kind of goes back to what we've talked about last time, you know, just being lifelong learners and curious, like, I don't know how to do this. But let's figure it out together. ‍ ‍ Laura Dugger: (16:33 - 16:44) ‍ ‍ Well, and I'm going to also link to a previous episode, I did interview Kay on that book. But do you remember the other one that you also read related to it? ‍ ‍ Elizabeth Pehrson: (16:44 - 20:24) ‍ ‍ Oh, yes, there was a season where there's actually two of them. But there is a season where my focus and my priority was riding entitlement from my children. I meet with moms all the time. And they're like, "My children are so spoiled." And I'm like, "Well, just I'm curious who spoils them." You know, and it really does start with us. It stems with us, even if it's the ones where moms will say, "Well, I mean, I don't give them that brand new thing, but their grandmother does." Well, technically, you're the gatekeeper of what comes in and out of your home, you can allow it or not allow it, you can say to them, "You know what, they don't need the newest iPad, they don't need the newest Lululemon or whatever. I want to, I want you to offer an experience with them, you know, something different, something like that, you can control that." But there was a season where that's all I saw. And I saw it in my children's hearts as well. And so, I read the book How to Raise Grateful Children in an Entitled World. And then I also read the book 7 by Jen Hatmaker long time ago, a lot of our philosophies have changed. But back in the day, long time ago, it was an entitlement, it said an experiment against a mutiny against excess. And so, it was another challenge we did, like we did the 12-month challenge from Kay's book, we did a seven-month challenge from her book, and we took seven areas where we have so much excess, and we stripped it down one month at a time. And I'm telling you, it was hard, not only because our children didn't want to do it, but it was hard for me, particularly the month of technology. I mean, you're talking no TV, no cell phone, no, I mean, other than phone calls, you know, no scrolling, none of that, no podcast, no, you couldn't use it just for a month just to have stillness, quiet. I mean, it was crazy hard. But then we noticed that the puzzles started coming out and coloring started coming out and creativity started coming out, you know, it requires 15 minutes of boredom, boredom for creativity to set in. And I would say the creativity did set in, and it was unbelievable. ‍ ‍ One month, we only allowed we got to choose, but we picked seven foods. That's all you could eat for one month. When you went out, that's all you could choose from. It was so hard. It was unbelievable. But what caught me so strongly was in her book, she starts out by saying she had three young children at home, and she was adopting two children from Ethiopia. And she had already been over to visit them twice. And they were literally starving to death. And you know, her heart just wanted them home. But because of all the logistics, she couldn't get them here yet. And she said one day she made fish sticks for her kids. And then she went up to go switch laundry. She came back down a few minutes later, and she saw all the fish in the trash can. And she was like, "What in the world?" So, she asked them, she said, "Did y'all not eat?" They're like, "We did." And she said, "Well, I just saw the fish sticks in the trash can." And they're like, "We didn't have ketchup." She's like, "You just threw away five pounds of fish, you know, whatever it was, because you didn't have ketchup. Yet we have two other children across the world that would give anything to have those fish sticks." And I was like, "I see that with my children. It's like, I don't want that. Or I don't care for that. Or that clothing, I'd rather something else." And so, for one month, they only could wear seven articles of clothing total. That's it. And it's crazy, because you think everyone's looking at you like, "Why are you wearing the same thing every single day?" No one even cares what you're doing. But it just changed your whole mindset and perspective. So, entitlement was a big one for us. And those two books were super helpful with that. ‍ ‍ Laura Dugger: (20:25 - 20:28) ‍ ‍ Well, and even it sounds like a version of fasting. ‍ ‍ Elizabeth Pehrson: (20:29 - 20:53) ‍ ‍ Oh, absolutely. I mean, we've told our kids all you know, since they were young, it doesn't matter what it is. Whatever you can't fast from owns you. It does, whatever that is. And so, some months the food was harder for others for some month, the clothing was harder, the girls, the clothing was harder. You know, the boys could care less for some month, it was a technology, but it's like whatever it is, it's got a stronghold in your heart. That's what owns you. ‍ ‍ Laura Dugger: (20:54 - 23:23) ‍ ‍ And now a brief message from our sponsor. ‍ ‍ Friends, I'm excited to share with you today's sponsor, WinShape Marriage. Do you feel like you need a weekend away with your spouse and a chance to grow in your relationship together at the same time? WinShape Marriage is a fantastic ministry that provides weekend marriage retreats to help couples grow closer together in every season and stage of life. From pre-marital to parenting to the emptiness phase, there is an opportunity for you. WinShape Marriage is grounded on the belief that the strongest marriages are the ones that are nurtured, even when it seems things are going smoothly, so that they're stronger if they do hit a bump along their journey. ‍ ‍ These weekend retreats are hosted within the beautiful refuge of WinShape Retreat, perched in the mountains of Rome, Georgia, which is a short drive from Atlanta, Birmingham, and Chattanooga. While you're there, you will be well-fed, well-nurtured, and well-cared for. During your time away in this beautiful place, you and your spouse will learn from expert speakers and explore topics related to intimacy, overcoming challenges, improving communication, and more. ‍ ‍ I've stayed on site at WinShape before, and I can attest to their generosity, food, and content. You will be so grateful you went. To find an experience that's right for you and your spouse, head to their website, winshapemarriage.org/savvy. That's W-I-N-S-H-A-P-E marriage.org/savvy, S-A-V-V-Y. Thanks for your sponsorship. ‍ ‍ Another big topic is discipline, and that's something that parents are consistently interested in discussing, probably so that we can all balance rules and relationship. For any of the other parents who are also exhausted and maybe don't know what consequences to utilize as they seek to influence their children, what are some natural consequences and strategic discipline that you've offered before or that you can think of, especially with teens in the home? ‍ ‍ Elizabeth Pehrson: (23:25 - 27:02) ‍ ‍ Yeah. Discipline basically means to disciple, and so we're training our kids up. We can't expect them just to know it on their own and intuitively think, that's not a wise choice, so I shouldn't make it. We're here because they need us. God entrusted them to us. But I love that you said consequences, because that's really the way I choose to look at discipline, because childhood is meant to be training ground for independence. ‍ ‍ Natural consequences, in my opinion, are the best way to do that, because I think consequences should connect directly to their choices, to my choices, because as we tell them, every single choice you make, every single one has a consequence, good or bad. You're going to have a consequence. You reap what you do, so therefore it is so important to acknowledge and recognize what you choose. Not my response to it, but to what you choose. ‍ ‍ You oversleep an alarm, which is, you know, middle schoolers and high schoolers are known to do. You oversleep the alarm, you experience the discomfort of being late, whether that's missing the whole day because you as the mom are busy doing other things, or you're at work, or maybe you just missed that test the first period and you can then drive yourself to school, but you have to suffer that consequence. I'm not going to rescue you from that, or you know, you forget to bring in a project that you have worked on for days and days and days and days, and you forget to bring it in. Your grade will reflect that. That is a natural consequence. ‍ ‍ I had a son, I won't name him, but I had a son that chose to make the decision to cheat on a chemistry test, and the teacher called me and said, in high school, AP, and said, "You know, he's a great student, he made a poor choice, he didn't study, he's busy with football," and she said, "So I'm going to let him retake it," and I said, "No, he chose to make that decision. Please fail him like you would do any other student. I do not want him to ever, ever, ever consider doing this again," and she goes, "Well, it might be on his transcript." I said, "Okay, so be it, but I'm more interested in his long-term character and who he's becoming than I am about his AP chemistry score. I'm more interested in that," so the natural consequences, or to give him a zero on that. ‍ ‍ You know, you have the stud athlete as a son, and they forget their cleats or their jerseys at home. Guess what? They sit out from practice. They sit out from the game that afternoon. You know, it's not going to be the end of the world. Although we think it is, they think it is, it's not. So, I try to think of discipline, you know, not as punishing, but more as preparing them for adulthood, and you know, like we talked about the other day, I encourage moms not to bail, but to let them fail. I mean, it literally could seem like the end of the world to your child, but in the grand scheme of things, it has no bearing on their life later on, but many moms treat every little thing as if, you know, but I just try to tell moms when I meet with them, your child's employer will not care what they made on a middle school project. They won't. If they forgot it and got a C, your employer, their employer will not care that they made a C on that, or maybe even an F. They will not even care what your son or your daughter's high school GPA is. They will not care if you missed that baseball game, you missed that tournament, but they will care if you are hardworking, if you're responsible, if you take ownership for your actions, and I think natural consequences are the best way to teach all of those things. ‍ ‍ Laura Dugger: (27:03 - 27:13) ‍ ‍ Well, and I would assume if we actually follow through, it's so painful in the moment, but it probably doesn't take many times to learn that lesson. ‍ ‍ Elizabeth Pehrson: (27:14 - 29:29) ‍ ‍ No, not at all, and particularly if you have multiple children. I remember I was giving a talk on entitlement and how we rescue our children so easily, and I was setting up, and so I was getting things out of my car, taking things back and forth into this, you know, building where I was setting up, and as I get into the back seat, I see this project that my daughter literally had been working on for two weeks, and when she got out of the car that day, she left it, and I just thought, "Oh, here I am talking about this. I can either do it, nobody will know, take it up there, but then I was like, no, what does that teach her? Mom's going to bail me out every single time," and it was like, ah, it crushed me, crushed me, but I was more interested in what's going to happen for her long term, and another thing, if you have, if you have siblings, multiple children, they can learn from each other, not just from their own personal suffering. ‍ ‍ That same daughter, I'll never forget it. She came home from school. She was in the third grade, and my kids know, like, your schoolwork is on you. It is not on me. I have already been to kindergarten. I have already been to third grade. I've already been to high school. It is on you, and I email the teachers at the beginning of the year. I just want you to know that my third-grade daughter will be doing her entire projects, schoolwork, tests, grade, everything will be her, so please, please grade her on a third grade level, because what's happening is parents are doing their projects, parents are doing their papers, all of the things, and so it's like, wow, hers looks terrible. It is on par for a third grader, though, you know, so I email the teachers at the beginning, and I let them know that they are responsible. They can choose to teach them in any way that they want, discipline them in any way they want, and my daughter came home from school one day, and she had this big thing due the next day, and she was like, "Mom, oh my goodness, I left it in my desk. Would you please email her and see if I can come in early in the morning and get it and work on it," and I said, "Sure," and all my kids were like, "You will," and so I emailed, and I said, "Dear Mrs. Prilliman, she left her, you know, her assignment in her desk. Please feel free to punish her and discipline her in any way that you see fit," and she's like, "Mom," you know, she was so upset, but the other kids are like, "Mental note, I will never do that," you know, so they can learn, you know, from each other as well, so. ‍ ‍ Laura Dugger: (29:30 - 29:50) ‍ ‍ That is a benefit of having siblings. I love hearing those stories. That helps it sink in, but Elizabeth, also, what can we be doing while our children are still in the home in hopes of them experiencing wise financial stewardship and freedom financially when they leave home? ‍ ‍ Elizabeth Pehrson: (29:51 - 32:34) ‍ ‍ Yeah, I'm going to be very honest. David and I were not the best at this. It's not our greatest strength, that is for sure. It is not our natural genius, and with a family of 10, money was always tight. It really was, but we didn't want our kids to feel the weight of that. We didn't want them to feel that burden, but having said that, we did teach them delayed gratification. We did teach them saving before spending, distinguishing wants from needs. That's a big difference, working for what they desire or what they wanted, and they had to participate in paying for part or all of what they wanted, and that included travel sports. I mean, you know, there were times where we had five or six in travel sports. I mean, it's thousands and thousands and thousands of dollars, and so they either had to contribute financially if they could, depending on their age, or I remember one year, my son was young, and he wanted to do it, and it was going to be $2,800, and he was very gifted in baseball, and we wanted him to have this experience, but we knew that it was going to impact the entire family because all of our kids were still young. ‍ ‍ It wasn't like we could leave them at home. Everybody would be going every single weekend to all these different places, and so we said, "Okay, we're going to sit down as a family, and we're going to talk about this," and so they agreed. They wanted him to do it. They wanted to go to all these tournaments as a family, but so we decided that we would not eat out until that was paid off, the equivalent of that was paid off, and anytime anyone wanted to like stop at McDonald's or pick up something, we're like, "Remember, we're paying for Jack's baseball," and it was a family effort, and so, you know, I mean, it could be their homecoming dress if they want something extravagant or things that were above and beyond, you know, over a roof over their head or food on the table or clothes, you know, their basic needs, but just tried to model financially real life, and we all know that just because we want something doesn't mean we get it. It doesn't work that way, and when we give our kids everything they want, I would argue that we are setting them up and sometimes their potential future spouses up for failure because I don't know if you know this, but this generation is the first generation not to have as to make as much or have as much as their previous two generations before them. ‍ ‍ Typically, we make more than our parents and our grandparents, but this is the first one not to, and that's why grown adults are still living at home, so it's like, wow, if we can model this for our kids, you know, that, hey, just because you want that extra thing doesn't mean you get it. You got to work some extra jobs. You got to pick up some extra shifts, you know, maybe ask for some money chores at home, you know, that we would offer them, but we just tried to model it for real life, but like I said, it wasn't our greatest strength. ‍ ‍ Laura Dugger: (32:35 - 32:41) ‍ ‍ Oh, I bet even more of a strength than you realize just hearing that example. I did not know that about the generation. That's fascinating. ‍ ‍ Elizabeth Pehrson: (32:43 - 34:15) ‍ ‍ Yeah, I mean, one of my all-time favorite, there's a TED Talk. It's old. It's like a really short one, and I'm blanking on the lady's name, but she was in college, and her dad was an attorney, and he was very affluent. They had a lot of money, and back in the day, I think this was like in the 90s, 2000s maybe, there was this new pair of jeans that were out, and they were $120, and every other pair of jeans were like 50 bucks or something, you know, 40 bucks, and so she called her dad, who could easily afford it, and said, "Dad, oh my gosh, I need a pair of these jeans. Everybody," she was in college at University of Florida. "Everybody has these jeans. I want a pair," and he goes, "Okay, well, what are you going to do to go get the money?" She's like, "Dad, come on. I know you can give it to me." He said, "No, that's not the way life works," so she happened to be in the student center, and she saw one of those little advertisements, need a house cleaner, and she's like, "My parents made me do chores. I know how to clean a house," so she pulled the little number. She went to the lady's house. She cleaned her house, got the 120 bucks, and the lady said, "Well, when are you coming back," and she said, "Oh, no, no, I just needed one pair of jeans. Like, you know, I'm not coming back," and she said, "No, you did an amazing job." Well, this girl went on to start an organization while she was in college, a business. Now, it's like on a Fortune 500 something. I don't even know, but it's called Student Maid, M-A-I-D, and she had 500 employees by the time she was a senior, and she was cleaning apartments, houses, but her dad had given her the 120 bucks because he could to get the pair of jeans, so it's like, get out there and figure it out, and so I just love that story. ‍ ‍ Laura Dugger: (34:16 - 34:34) ‍ ‍ Wow, I love that as well, and totally different topic, but when it comes to caring for our health and our bodies, if we truly believe our bodies are a temple for God, what are ways that we can model and encourage our children to live wisely in that way? ‍ ‍ Elizabeth Pehrson: (34:35 - 37:07) ‍ ‍ Yeah, I'm glad you said model because really that's what it comes down to. I mean, if they see us beating ourselves up, not prioritizing sleep, not moving our bodies, not eating well, you know, that's what they're going to do. I mean, it's just history has proven itself. You can look at cultures. Those that move their bodies, sleep, rest on the Sabbath, I mean, they're a healthier culture, and so all of those things, you know, eating with balance, not obsession, resting on Sundays, I mean, even in the church world, that's almost unheard of to take the Sabbath off, and I would really say, particularly if you have daughters, not that it doesn't matter for sons as well, but it really impacts daughter is speaking respectfully about the body that God has given you. ‍ ‍ I sadly see so many women talk trash about their own looks or their own appearance, their body, if I could just fix this, I wish I didn't have this, and then they expect their daughters not to do the same, you know, and so when we say, "Oh, honey, you're beautiful," they're like, "Well, you don't think you are," you know, and they see right through it. I mean, I want my daughters to be strong, not skinny, right? I want them to be healthy, not appearance driven. I want them to know that mom got up and went to the gym every morning. Mom made sure she got outside and got sunshine and got on a walk, you know, culture already put so much pressure on these young girls and their size. Oh, my goodness, it like just breaks my heart, and so the last thing they need is for us to start, you know, for striving for unattainable goals, right, that put an expectation on them and their appearance. I mean, that's the last thing that they need, and so David and I have always tried to, well, I would say we tried very, very, very, very hard to compliment their character and their effort, but never their appearance. ‍ ‍ Most of the times when you hear parents applauding and just talking about how good looking someone is, how beautiful they are, it's nothing that they did to earn. I mean, you'll hear something. My son is so tall and big and strong, and I'm like, he did nothing. God gave him that, you know, and if you happen to have a very small son like I do, and if that's what you're praising over here, what does that speak to this child? Or, you know, oh my goodness, you're so beautiful, and so we try to focus on their heart, the internal, their, you know, the stewardship of what God has given them, but never appearance. It's more taking care of the body, and we believe the important part of that is the heart and the soul. So, we just want them to have the goal of honoring the life that God entrusted to them, the body that God entrusted to them. ‍ ‍ Laura Dugger: (37:08 - 37:21) ‍ ‍ Such wise principles, and then when we think about spiritual life as well, what wisdom can you share for parents who want to help their children cultivate a flourishing spiritual life? ‍ ‍ Elizabeth Pehrson: (37:22 - 39:19) ‍ ‍ Well, one prayer for our children is that they would each have a faith of their own, you know, not one that's handed down, not a formula, you know, but a relationship with Jesus, and so with that in mind, we tried to focus on the heart of who Jesus is and not the rules of God. You know, we never wanted them to view God as this like scary judge, you know, with his gavel, like handing down these judgments, but a God who genuinely loves them regardless of what they do, and so we wanted that to be their own unique personal relationship, not one that looks like ours, acts like ours, you know, it's like this cookie cutter, so we encourage them just to pray naturally, not formula, you know, like formally, but we talked about God in a real casual way, like in our coming and our going, not this big Sunday conversation, you know, you have at the dinner table after church, but we wanted them to see our own dependence on God, which was every single day, and we wanted to create space for them to have their own unique personal faith, and one thing I've learned is that faith cannot be manufactured, but you can cultivate the soil where it grows, and I'll just say this really quick, in an effort to have them have a faith of their own, it was so neat, they all went to the same church, but their faith looks so differently, different from their siblings, and there was a time we had all four of them at one college in Athens, and so they're all there, and we were visiting, and I said, "Hey, well, you know, we'll go to church tomorrow morning, you know, with y'all," and they all kind of looked at me like I had three heads, and I thought, "Well, don't y'all go to church, please tell me I'll go to church," you know, that's not what they meant, they all four went to completely different churches, wow, I was mind blown, I was like, "This is the most ecumenical family I've ever met," like I was like, I had no idea that that is how different the relationships with the Lord are, as for what they were seeking in a church, and I was just so grateful for that. ‍ ‍ Laura Dugger: (39:20 - 40:17) ‍ ‍ When was the first time you listened to an episode of The Savvy Sauce? How did you hear about our podcast? Did a friend share it with you? Will you be willing to be that friend now and text five other friends or post on your socials anything about The Savvy Sauce that you love? If you share your favorite episodes, that is how we continue to expand our reach and get the good news of Jesus Christ in more ears across the world, so we need your help. Another way to help us grow is to leave a five-star review on Apple Podcasts. Each of these suggestions will cost you less than a minute, but it will be a great benefit to us. Thank you so much for being willing to be generous with your time and share, we appreciate you. ‍ ‍ One other practical thing too, do you have just any tech tips, especially because you've raised so many teens already? ‍ ‍ Elizabeth Pehrson: (40:17 - 42:06) ‍ ‍ Oh, tech tips. You know, we had this big charging station in our kitchen, and so the kids had to put their phones there at night, and it would charge like all of them, and so we could see if the phone was not up at night, and there were some serious consequences if they broke those rules. I remember one time my daughter, after we went to bed, she snuck back downstairs and got her phone and brought it upstairs, and anyway, I kept getting these notifications come through on my iPad, and I was like, "What in the world?" Well, I didn't even realize the clouds, or it's over my head, but whatever reason, hers was beeping on mine, and so we went in there, and she had her phone under her pillow. She was texting somebody, and so when she got home from school that next day, her door was off of the hinges, and she was, you know, as a middle school girl, her privacy was so important. I was like, "You can change in the bathroom, you know, but you have shown us that you cannot earn privacy right now. You don't make the choices with it," but it is really hard. ‍ ‍ I think a lot of people, their natural inclination is just to remove it all from them, but I hesitate to encourage anyone to do that, because the truth of the matter is the world we live in is full of technology, and if you just completely say you can't have it, and the next thing you know they're 18, they go off to college or whatever the age is, and you give it to them, they haven't been in the home where you've been training them up how to manage your time with it, put, you know, limits on the time, how much you can spend on it, that kind of thing, and so it's like you're never going to outsmart your children in technology. They're already smarter than you are, but it's like how can you help them with the time management, you know, letting, talking with them about like what they're putting before their eyes on the technology, that kind of thing. The same goes for TV. You know, we would never watch something in front of our children that we would want them to think is normal ever, you know, and so it's like it's not, we don't want to normalize that. ‍ ‍ Laura Dugger: (42:07 - 42:33) ‍ ‍ That's good, and really I'm hearing this theme, a key ingredient for everything we've discussed so far is actually a fruit of the spirit, self-control. So, knowing that discipline and self-control are actually going to lead to freedom, how can we help our children grow up to live an appropriately disciplined life? ‍ ‍ Elizabeth Pehrson: (42:34 - 45:53) ‍ ‍ Yeah, my dad used to say this thing all the time. He would say, "The slave to the compass has the freedom of the seas. The rest must sail close to the shore," and it's so true. I mean, we have, if you want to do that, you have to come under the authority of the boat. In other words, you can't just do whatever you want on a boat and be able to sail the whole ocean. It doesn't work that way. You have to follow the captain's orders, and you have to follow the mechanisms that make the ship move, right? And so, it's like, but if you do that, if you master that, if you're a slave to the compass, to the sails, so the way the boat works, you can have the freedom of the seas. And the same is true of discipline and of self-control, right? We must exhibit that in order to have freedom. ‍ ‍ And so, when our children exhibited obedience and discipline and self-control, we then gave them more freedom, you know, more responsibilities. And then when they didn't follow instructions, like my daughter with the cell phone, you know, they didn't do what was expected of them. We pulled in the reins a little bit. Dave Ramsey, years and years ago, before I, my children were older, he shared the analogy of the rope, and I loved it because he said, you know, the more your children exhibit responsibility, making the right choices, they're being obedient, you let out that rope. And that one end, it's almost like you've got a rope around their waist. You're letting it out, letting them experience more independence. But then the second that they don't do that, you kind of rein it back in. If they make a poor choice, they stay out past their curfew, whatever it might be, you pull it back in. And so, it's a very important analogy for his family. ‍ ‍ So important though, when his oldest daughter went off to college, Rachel, you know, she goes off to college, he wraps up this beautiful gift, and it was a rope. And it was the rope with the round. And he said, and it had, he tied things on it, like she went to Tennessee, I think. So, it had like an orange thing on it. And then it had the colors of her high school and all these things that represented her life. And he said, "Hey, for 18 years, I've been holding on to this end of the rope. But now it's time I let it go. And I'm giving it to you; you're going to manage that rope all on your own." And so, it meant the world to her because they knew how important and so she put it on her doorknob in her dorm room. And every time she left and entered, she saw that, you know, that rope realizing that she was responsible for how far she let that thing out and how far she pulled that in. And so, discipline, self-discipline is huge. ‍ ‍ You know, at the end of the day, we just wanted to show our children that discipline and self-control, it isn't a restriction, right? It's the pathway to freedom. And I've got to tell you; my kids are more disciplined than I am. I mean, my two oldest sons are 26 and 25. And they set timers on their phone. And so, they literally can only and each other has the passcode so they can't even override it. They can only be on their phone for three hours a day at all for anything. And they do it during the hours where they're at work, so that they know they can't be on it anyway. I mean, it's already self-limiting. And it's like they know that this is a temptation, they don't want to waste that time. And so, and when you see a child when you train up a child and discipline, it's amazing how it spills over into other areas. You know, they both are very disciplined with how many books they read, how far they run every day. Like, I mean, they're very disciplined individuals, because I think it's contagious. You know, that just self-discipline just kind of permeates all the other areas of your life as well. ‍ ‍ Laura Dugger: (45:54 - 46:06) ‍ ‍ And that is so encouraging, because I guess I just envision like, we're planting seeds, and we've gotten to hear a few of the seeds that you planted. And now it grows up even bigger than you could have probably ever asked or imagined. ‍ ‍ Elizabeth Pehrson: (46:06 - 46:22) ‍ ‍ Oh, yeah. I mean, sometimes their discipline frustrates me, because like, I'll need to talk to them, and they're on like a 23-mile run, and they can't talk or, you know, like, I'll want to call them. And they're like, "Mom, I can't use my phone right now." And I'm like, "Come on," you know, but they are, they are disciplined. I just drives me crazy sometimes. ‍ ‍ Laura Dugger: (46:23 - 46:36) ‍ ‍ Oh, I love that so much. So, Elizabeth, as parents, what else can we do now to help our kids eventually reach maturity and independence as adults? ‍ ‍ Elizabeth Pehrson: (46:37 - 51:07) ‍ ‍ Yeah, I mean, again, I can't say it enough. Childhood is meant to be the training ground for independence. So, every single day, they are training you or you are training them. And it's like, are you training them up for independence, maturity? Are you training them up to be dependent upon you? Are you teaching them that your proximity is what keeps them safe? And it's like, okay, so we're going to make these choices when they're young, might be harder on us, because I have mom say to me all the time, you know, I mean, it's just easier when I do it. And I'm like, it is, or they're like, they'll never do a job as good as I do. They won't. But you know what, it's like, it doesn't matter. It's not about what's easy on us. It's what's best for them for the long run. ‍ ‍ So, you know, goes back to that book we talked about, but you can really just think of Kay's book, you can really think about anything that you want to know that you want them to know how to do well and reach maturity and master whatever that is. And, you know, most people, not intentionally, but subconsciously think, oh my goodness, by magic at the stroke of their 18th birthday at midnight, you know, they're just going to know how to do these things. And they don't, they don't know how to do these things. ‍ ‍ I mean, my oldest son went off to college and two weeks after he went off, I came back home and I was at Target. And I ran into this lady and who'd also dropped off her daughter. And she said to me, "How are you doing?" And I said, "I'm fine. How are you?" She goes, "I mean, are you, are you managing?" And I'm like, "Managing what?" And she's like, "Without your son." And I said, "Yes," she would help my son. She goes, "Well, I have to ask you how many times have you been up there?" And I said, "Since two weeks ago when we dropped them off?" And she said, "Yeah." And I said, "I haven't should I ask how many times you've been up there?" She was well, one time she called me because I forgot to teach her how to use her diabetic medicine. So, I had to drive and teach her how to do that. And I thought, okay, in my mind, I'm thinking that was kind of a really big deal to not know how to do. And then she said, "And then another time she called me, and she chewed me out because I didn't pack laundry detergent for her." And I thought, "Oh, you packed her stuff. She didn't do that." And she said, "Well, I mean, you know, I just was doing it for her." And she goes, "I had to tell her I did pack laundry detergent." And she said, "No, the only thing I've seen you pack are those little round things that I've seen you put in the dishwasher." Oh, no, this is what she tells me. And I was like that she's seeing you put in the dishwasher. She goes, "I had to tell her that laundry pods are made too. So, I had to go up and teach her how to do laundry." And then the third time I just missed her. So, I went up there, but I thought, wow, like we are training them to fly from us. ‍ ‍ You know, that is the ultimate goal is that they are independent, that they can leave us. But the hardest thing about it is accepting that success. If you do it well, because that's the last thing you want to do is have your child not need you anymore. Moms thrive on being needed, particularly by our children. But honestly, that is what God gave them to us for so that they can go out and launch onto their own. So, we just started training them up as soon as we possibly could on little things like solving problems or managing their own schedules. That's a big one. You shouldn't be asking them what homework do you have? What tests do you have? What paper do you have? How can I help you? Don't do that tonight because you've got to do your homework. Let them manage their own schedules. Let them set their own alarms. If they oversleep it, there is a natural consequence. So, they won't keep doing that anymore. ‍ ‍ And I mean, I had a daughter that slept through every alarm we ever set. It didn't matter how loud it was. So, I was not going to give into that. So, we literally bought an alarm that was a round ball. And on this round ball, it would be on the floor. And when her alarm would go off, it would roll away from her bed. And so, she couldn't not turn it off. She'd have to get out of bed to turn it off. And so, I mean, there's ways you can do it if you really want to. But, you know, training them up how to advocate for themselves. Most children don't know how to advocate for themselves, which is why the most recent stat right now on Fox News, I saw it two months ago, 29% of college graduates are taking their parents with them to their job interviews. 29% are taking their parents with them. They're 23 years old. Think about that. Let that set in. You know, teaching them how to shop for, prepare, cook meals. You have conflict, healthy conflict. Recover from mistakes. You know, try again. I mean, our job, I've already said it, but our job is not to make their lives easy. And it's not to do what's easy for us. It's to make them capable. ‍ ‍ Laura Dugger: (51:10 - 51:38) ‍ ‍ Wow. You have been so inspirational to learn from. And one more thing on that. When, if we're very encouraged, we're going to be more consistent and do this thoughtfully, intentionally. When we meet resistance from our kids, what encouragement do you have for us, regardless of their age, whether they're whining about it when they're younger, throwing a temper tantrum or giving attitude? What would you encourage us with there? ‍ ‍ Elizabeth Pehrson: (51:38 - 54:03) ‍ ‍ Well, it's not very encouraging, but you will meet resistance. You will. I mean, why would they ever, I mean, my kids had to make their own lunches starting in kindergarten. And my daughter Walker would come home every day and I'm the only one that has to make their own lunch, you know? And I'm like, "You know what? You get to put in your lunch, whatever you want. Every other child has to eat what their mom makes them eat." You know, I'm like trying to show her these things, but the truth is you are going to be met with resistance. But if it ever crosses that line into disrespect, that first and foremost needs to be handled first, without a doubt. There's never a reason for disrespect. And if you allow that disrespect in your sons, they will grow up to be men that disrespect their wives. If you allow that in your children, they will grow up to be employees that disrespect their employees. And on, you know, you reap what you sow. So, it's like, I am not going to allow that. ‍ ‍ Having said that we make our chores on the whiteboard so that there is no nagging, there is no reminding, there is none of that. And so, we put it on there. They know it has to be done. And if it's not done, they don't sit down for dinner. And then once our kids hit middle school and they had practices after school and high school practices and things like that, they couldn't do it before dinner because they didn't get home until dinner or sometimes afterwards. So, it had to be done before they went to bed. And if they didn't, I didn't nag, I didn't get upset with them. But the next day when they walked up and saw the whiteboard, their second chore was incredibly time consuming and incredibly hard because they did not do the chore from the day before. Because again, we're modeling real life. Just because you had a full day doesn't mean you get to walk in the door, kick off your heels at night and just assert all your responsibilities. Not at all. You have to still do it. And so, it's like you've chosen to play these sports. You've chosen to do these travel things and you're still a part of this family. So, it's like encourage them in a way to do these things that doesn't impact you. Like you don't want to get into this, you know, match back and forth trying to explain to them why it's important. It's just a rule. It is what it is. That's why I like it on the whiteboard. There's no, there's no having to nag, having to check, but just don't allow the disrespect is the big thing when they kind of meet you with resistance. But again, what child's going to be like, "Sure, mom, I want to take on this." They're not going to, you know, I, like I said, my oldest, he did not enjoy doing all the things that he had to do. And there came a day he went to college and he was so grateful, so grateful that he knew how to do those things. ‍ ‍ Laura Dugger: (54:04 - 54:07) ‍ ‍ So, we're going for that long term. Thank you. ‍ ‍ Elizabeth Pehrson: (54:07 - 54:09) ‍ ‍ Always, always long game parenting. ‍ ‍ Laura Dugger: (54:10 - 54:19) ‍ ‍ Well, Elizabeth, you have given us so much in these weeks together, but where would you like to direct us to continue learning from you after this chat? ‍ ‍ Elizabeth Pehrson: (54:19 - 54:49) ‍ ‍ Well, if women live in Atlanta, we do have the exchange, which is local and coming, and I would love for them to come to that. We also have our podcasts on purpose with, which encourages women to live on purpose and with intention. You know, I just absolutely love connecting with women that want to live wholeheartedly this one beautiful life we've been given. So, I'd love for them to reach out to me on Instagram. I've got my personal handle as Octomama. I also have the exchange US and long game parenting. ‍ ‍ Laura Dugger: (54:50 - 55:09) ‍ ‍ Wonderful. We will provide all of those links in the show notes for today's episode. And I just have one more question for you. We are called The Savvy Sauce because savvy is synonymous with practical knowledge. And so, as my final question for you today, Elizabeth, what is your savvy sauce? ‍ ‍ Elizabeth Pehrson: (55:09 - 56:01) ‍ ‍ My savvy sauce today, based on what we've spoken about, I would say to the women listening to the very best of your ability, it's going to be difficult. It is not going to be easy, but to the very best of your ability, stop over functioning for your children. And over functioning is simply doing for your children what they can and should be doing for themselves. And my favorite mantra that I tell moms all the time is just because you can do provide or give doesn't mean you should just because you can do provide or give, it doesn't mean you should. So, if you want to have grateful children, do less, not more. You want to raise children that have a respect for other people, do less, not more. If you want to raise de