Podcasts about Figure

Tough situations bring feelings. Frustration. Failure. Feeling exposed. That's not the problem. The problem is what you do next. Most people look for the nearest thing to numb it. Food. Drugs. A workout. TV. Social media. More work. Niyi breaks down why the thing you pick doesn't matter nearly as much as the fact that you're running. Every time you numb instead of feel, you're reinforcing one belief: I can't handle a feeling. That's not a KILLA. That's a ghost, dodging something that can't even touch you unless you let it. The move is the opposite. Run toward the feeling. Sit in it. Study it. Figure out what it's actually telling you. Then decide on the right action and make your move. You can't lead from Self if you're afraid of what you feel. 3 days left to decide on your #1 goal and join Lock In. Enroll now at imnotyou.com/lockin

Learn how the eurodollar system really works, and use that understanding to better prepare your portfolio for what comes nexthttps://eurodollar-university.com/home-page-self-serveThere's a signal flashing in the financial system right now—and almost every investor is looking in the wrong place. They're watching the Federal Reserve. They're watching inflation reports. They're reacting to tariffs, energy prices, employment numbers and whatever headline happens to dominate the financial news that day.But the monetary system itself is communicating something different. Figure how to find and decipher what it's been saying. Eurodollar University's Money & Macro Analysishttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDUI'll also be active on Bravais Social - a new AI-centered social network designed for professionals and knowledge workers. The platform aims to bring together a wider range of tools and functionalities tailored specifically for professional interaction, research, and knowledge exchange in one place. You can find me here: https://bravais.social/profile/edu

If this resonated with you, here are additional resources:⭐ APPLY TO SHIFT: https://sidehustlepro.co/shiftThis week in the guest chair is Chanel Tyler, a strategist, creator, and self-described “contentpreneur” who has worked across investment banking, luxury marketing, and YouTube before stepping fully into entrepreneurship.Chanel built her reputation online by sharing trusted product recommendations and insights from her background in beauty marketing. But after years of consulting with a creator commerce platform that generated over 80% of her income, everything changed when the company suddenly shut down.In this episode, Chanel opens up about what it really looks like to rebuild after losing the majority of your income overnight. She shares how she pivoted by diversifying her platforms, leaning deeper into affiliate marketing, launching new creator education programs, and embracing the vulnerability of sharing her personal story — including her journey with hearing loss.If you've ever worried about relying on a single income stream or wondered how creators actually make money online, Chanel breaks down the strategy behind building a sustainable creator business.In this episode, Chanel shares:How she built a creator business by combining corporate strategy, content creation, and affiliate marketingWhat happened when the platform responsible for 80% of her income shut down overnight and how she rebuiltWhy diversification across platforms, income streams, and partnerships is essential for creators and entrepreneursHow affiliate marketing works and how creators can use performance data to negotiate higher-paying brand dealsHighlights Include00:00 – Introduction02:10 – Chanel's career path from investment banking to luxury beauty marketing05:10 – Building an audience through skincare and product recommendations09:00 – Landing a role at YouTube working with top creators15:00 – Saving a year of income before leaving corporate19:00 – The moment she lost 80% of her income overnight24:30 – Why diversification is critical for creators and entrepreneurs27:00 – Building content series that grow an audience32:00 – Affiliate marketing vs. brand partnerships explained37:00 – Sharing her journey with hearing loss and disability40:00 – How statement earrings became part of her empowerment story43:00 – Affiliate income strategies for creatorsLinks Mentioned in This EpisodeSubstack: SensibleJulia BroomeCheck out the Networth and Chill Podcast;Creator Economy & Brand Deals with Victoria ParisShopMy:https://shopmy.us/home/creatorsMagicLinks:https://www.magiclinks.com/creatorsBrandCycle:https://brandcycle.com/LTK: https://company.shopltk.com/en/creatorNordstrom Affiliate Program:https://www.nordstromcreators.com/Check out Chanel's Creator Profit Lab's interest form & course registrationSave the Date: Start the Podcast That Builds Your Exit Plan (Friday, March 20)Watch & ListenWatch this episode on YouTube and listen on all podcast platforms:Apple Podcasts: https://podcasts.apple.com/us/podcast/side-hustle-pro/id1126021323Spotify: https://open.spotify.com/show/13qDj08lBR4ymzGhXIKy8tYouTube: https://www.youtube.com/sidehustleproSocial MediaInstagram: @thecreatorprofitlabInstagram: @buymechanelSide Hustle Pro – @sidehustlepro#SideHustlePro Hosted on Acast. See acast.com/privacy for more information.

FULL SHOW: Friday, August 28th, 2026 Curious if we look as bad as we sound? Follow us @BrookeandJeffrey: Youtube Instagram TikTok BrookeandJeffrey.comSee omnystudio.com/listener for privacy information.

What's up bros??? We're up in the Catskills with the crew for a little chill ski weekend and by little we mean massive and by chill we mean absolutely not even remotely chill. I think by now everyone clearly sees that Charlie is the straw that stirs the drink that is this show and maybe even some of the cast are starting to catch on which really helps. Slowly but surely it seems like we're rounding out the cast and oh wait nevermind that's Brooks complaining again and not wanting to be part of anything. Figure it out Brooksy! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we're talking about how to stop living your life based on everyone else's expectations and start getting clear on the life you actually want. Because you only get one life and your desires matter. In this episode:

In this episode of the Wharton FinTech Podcast, Mili Tomar sits down with Michael Tannenbaum, CEO of Figure. Michael shares his experience leading Figure and how the company is building a blockchain-native capital marketplace that seamlessly connects origination, funding, and secondary market activity.. We discuss: structural inefficiencies in today's lending markets; blockchain and AI's impact in financial services; what tokenization means in practice for real-world assets; the shape of the industry as a whole as these emerging technologies continue to influence it; Michael's career journey and Figure's path to becoming a publicly traded company

Connue du grand public pour son ton franc et jovial, Maïtena Biraben a longtemps été l'un des visages de Canal+, avant de partir fâchée contre son ancien employeur qui l'a licenciée pour « faute grave » en 2016. S'en est suivi une bataille légale contre la chaîne de Vincent Bolloré dont la présentatrice sort finalement vainqueure en 2023, son licenciement étant reconnu comme abusif. Entre-temps, cette figure du petit écran a lancé son propre média et est revenue à ses premières amours, la radio, où elle avait débuté dans les années 1990. En cette rentrée 2026, elle prend les rênes d'une quotidienne, le midi, sur France Inter, remplaçant avec « Franche Culture » la « Bande originale » de Nagui. Un comeback sur le devant de la scène médiatique et l'occasion de revenir sur le parcours de cette figure du PAF avec Carine Didier, cheffe adjointe du service culture du Parisien. Écoutez Code source sur toutes les plates-formes audio : Apple Podcast (iPhone, iPad), Amazon Music, Podcast Addict ou Castbox, Deezer, Spotify.Crédits. Direction de la rédaction : Pierre Chausse - Rédacteur en chef : Jules Lavie - Production : Clémentine Spiler - Réalisation et mixage : Julien Montcouquiol - Photo : Christophe Abramowitz - Musiques : François Clos, Audio Network - Archives : RTS, Canal+, France Inter. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

 If the following blurb from this week’s podcast doesn’t hook you, the fact that Betsy closes with an easy exercise that could help you make the change you have been waiting for will. Here it is…’You don’t have to have it all sorted out before you’re allowed to claim it as yours. You can be in the middle of the mess and still build something with an intention and a purpose. You already know what your habit list is, so say it out loud.’ See?? Take a listen and enjoy. Transcript:  Welcome to The Art of Living Big, where we explore how to live intentionally and with more joy. I’m Betsy Pake, your host, master, coach, and creator of the Navigate Method. Here to help you listen in to your true desires, elevate your standards, and live life to the fullest. Now, let’s go live big. Hi, everybody. Welcome to the show today. All right, so, so today’s episode is, is sort of, I don’t know, specific, I’m gonna say. Aren’t all the episodes specific? But I got a message on Instagram, and, you know, sometimes I’ll get messages, and they are like other messages that I’ve gotten. So it’s easy to do, like, a podcast episode on them because it’s a really common question or a common thing people are going through, or it’s something that I know from my own life, right? And so when I got this question, though, I was like, “Oh, that’s actually a really good question, and I don’t know if anybody’s actually asked me that before.” And so what it was, it, it wasn’t like a coaching question. It was more like a logistics question. So what she wanted to know was she wanted to know how I did it. So she said, “It seems like you’ve rebuilt your life, and it seems really happy. But it also seems like you’ve rebuilt your whole life. How did you know what to build?” I was like, I mean, I didn’t even know what to say, ’cause how do you answer that? How do you… H- how did you know what to build? So, I kept thinking about it, and I thought, you know what? That likely deserves its own episode because the, the honest answer is that I, I did not know. Like, there was no plan. I think sometimes people look at my life now, and they assume that there was some kind of blueprint, and there was not. But there was about a year of me getting it wrong, I say wrong with air quotes, in a bunch of different directions, and so that’s what today is. So today I wanna name you a couple things. Three things I picked, even though I could come up with, like, 15 things, but three things seems like a good amount for a podcast. I wanna give you three things that I wish somebody had said to me at the very beginning of all that, because I think they would have saved me a little bit of time. And honestly, this is the work that I do, right? I went through something, and I wanna save everybody a bit of time by explaining it. And so, you know, I think that when we make a decision, I remember when I made my decision to leave my husband, I gotta tell you, e- every day over the past couple weeks, I’ve been like, “I’m so glad I did that. I’m so glad I did that.” But I think when we get to that place where we make that decision, at least for me it was not this. Like, I don’t even care what happens. I mean, of course I cared, but I don’t even care. It’s just not this. I was fully, fully 100% on board with just living my own life as a single woman, like, happily forever, and that is great for me. You know, will I be single forever? I, I don’t know, but I… That’s the way I wanted to build my life, right? So it wasn’t like, “I’m gonna leave this big hole here for somebody to fill. I’m gonna do everything but this thing and hope somebody else h-” Like, uh-uh. Like, I was gonna f- build my life. I was gonna make my health the way I wanted. I was gonna make my financial life the way I wanted. I was gonna make my home the way I wanted. I was gonna make my friendships the way I wanted. I was gonna make my activities the way I wanted. Like, I was gonna build my life for me. And so here’s the thing If you are sitting somewhere in your house or in your car, I know you’re in your car. You’re sitting in your car in the driveway, but a lot of you do a lot of thinking in your car, and you may have had this feeling that the life that you’re living was designed by somebody that was a, a younger version of you, somebody that you don’t totally recognize anymore. And maybe it’s not a bad life, you know? That sometimes is the part that can get really confusing, because it might not be that anything is, like, wildly on fire. It’s just that when you look around and you look at your calendar and you look at your house and you look at your weekend plans and your friendships, you can trace every single piece of it back to a decision that you made a long time ago for reasons that were probably good reasons, probably good reasons at the time. But now you’re standing in the middle of this, like, midlife, which I kinda hate when we’re, like, midlife. Ugh, like it’s this big thing, but it is. It is. So now you’re standing here, and in the middle of all of this saying, “Would I choose this again?” Right? Would I choose this again? And I know some of you are listening to this from inside a marriage where you have not decided anything, and you are not sure if you want to. You know, redesigning your life is not the same thing as leaving your life. Those are two really different projects, and I don’t think we have to get them all tangled up together. Some of the biggest redesigns that I have ever had in my own life and that I’ve watched other people have happened inside marriages, inside relationships, even inside marriages where people stayed. You know, the- the woman that- that changed everything about how she was living, and she did it without moving out of her house, is a possible, is, it, that is a real thing. So take these three things and put them, like, wherever they fit in your life because I’m not pointing you in any specific direction. Stay, leave, maybe you’re single, like, all the things. Okay. That is my disclaimer ’cause I never tell you what to do. Okay. All right. So the first thing that everybody tells you when your life comes apart or when you decide to take it apart, you know, on purpose, is to get clear on what you want. I had this conversation with somebody the other day, like, being really clear and having a clear vision. You know? Making the list. Do the vision boarding thing. Like, what do you want your life to actually look like? And I sat down with a blank page and that question, and I could not answer it, and I don’t mean, like, I struggled with it, and I don’t mean, like, I wrote a couple things and they weren’t quite right. I mean nothing. Nothing came I just sat there, and there was no big idea, no big yearning or pulling. I just remember thinking, “Ugh.” Like, I just… I’m, I’m getting out of something I knew was a no. No. Hell no. I knew that, but I didn’t know what was next, and I remember thinking, “Oh, is this a problem? Like, is this the problem?” Because I had been answering that question on behalf of other people for so long that I did not have my own answer anymore, and every time I tried to write something down, I could hear how it would sound to somebody else. I could hear my ex, I could hear my family, I could hear the version of me that was supposed to be handling all these things. And so the list that came out started sounding like a woman being really reasonable. It did not come out sounding like me. And, you know, I think a lot of you have had this exact experience, where you thought, “I don’t know what I want, , and, and I can’t get to the core of it, and that must mean something’s wrong. Must mean something’s wrong with me.” You know, like, you’re the woman who can’t figure out what she wants, but that is not it. I don’t think that’s it. If you have spent any amount of time, you know, 20 years, whatever, being the person who gets to make sure that everybody else is okay, of course you cannot produce your want list on demand. Like, that is a skill, to be able to imagine something different. I mean, imagine something different. Like, it’s not just imagining something you’ve seen other people do, okay? So hang with me. You can imagine things that you’ve seen other people do, and you could be like, “Sure, I could see that as being a thing.” But what about imagining something different? Something you’ve never seen anybody do, in the way that you wanna do it. And that skill is a skill, and it’s probably got really quiet ’cause you stopped using it. And so here’s what actually worked, and it, it was the opposite of, like, direction. I stopped asking myself, “What do I want?” And I started asking, “What am I saying yes to out of habit?” Because that was a question that I could answer. I could answer that one immediately. I knew, like, immediately. I was like, “Oh, well that’s a habit. This is a habit. That’s a habit.” And I had a whole list of habits in, like, just a couple minutes. ‘Cause you always know. You know, you know that one. You know the thing on your calendar that you dread, but it’s always there. You know the friendship that you have that you keep just out of loyalty or ’cause you’ve had them for so long, even though you feel like the version of the friendship that actually felt good was gone a long time ago. You notice the way you spend your Sunday afternoons, the things you wanna participate in, the way you keep your house, right? Nobody asked you to keep your kitchen or your bathroom or any of those things the way that they are. So you know exactly what those things are. And I think this is why this works a little bit better, is because you can’t design a new life while the old one is fully running. You know, I, I, I wanna… I don’t wanna get too far down a rabbit hole of how our brains work. If you’ve been listening here for a while, you’ve heard me talk about this, but, but you can’t fit anything else in when the old program is, like, fully installed. There’s no room. So the wanting shows up in the space, but if there’s no space, there’s nothing to want with. I hope that makes sense. You gotta have space. So the first thing, I don’t think is the vision. The first thing is noticing. Noticing what are you still doing, only because you’ve always done it. And so don’t do anything about any of that yet. Don’t quit anything, don’t cancel anything, don’t have some big conversation with anybody. Just write down what’s on that list, and then notice it, ’cause that list is actually the starting point. It would be great if we could have some big delulu vision. I know we talk about that all the time, but I think the starting point is actually noticing where you are and everything about what leads into that Okay, so the second thing, the second thing that I did to redesign my life, and this is one that, I don’t know, I think this is probably the most useful thing that I’m gonna share if I had to look at the list. But you can want something. Like, you can want something, you can choose it, you can be totally right about it, and you can be absolutely flattened with sadness about what it costs you. Now, when I left my marriage, I was not sad about the marriage ending. I was thrilled. I, I n- I don’t… I honest to God, by the time I’d made that decision, I did not shed a tear, like not once. And I don’t say that… Uh, uh, that’s sad to me, like that’s sad to me, but I was so absolutely done, and the fact that I stayed so long was the sadness that I had to deal with You know, uh, uh, when I started noticing that, like, my first thought every single time was like, “Oh, my God, w- why did I wait so long? I made such a mistake in delaying. I wasted years.” And I could be having a completely good day, like a good day, and then I would be somewhere and I would think, “Why the heck didn’t I leave a long time ago?” Now I’m 52, 53 years old and doing this, starting over. Like, I gave up so much to get out, and I walked away from so much to choose myself, and that’s what I chose. I chose myself. And so I had to go to the place where I was sad that I didn’t do it with hindsight. Like, we get to the place where we have hindsight. W- what do they say? Hindsight’s 20/20, right? And then you look back and you’re like, “Oh, my God, I coulda done it here, I coulda done it here. When I left the first time, why didn’t I stay go- gone?” I knew. Like, I knew. When I came back, I knew. I, I, I just came back ’cause I was tired. It was easier. And so, you know, I, when I would feel that, like, sadness, I would just be like, “This is just a, a grief that I have to deal with.” It’s not a review of my decision. I didn’t leave when I didn’t leave because I couldn’t leave. I left when I could. I wasn’t ready. And I think some of you might need to hear that. Like, it’s not because I didn’t want to, it’s because I wasn’t ready, and we can’t do things until we’re ready, and that’s okay. And grief just means you recognize what that cost you. That’s all it means. I was sad because something real I felt was taken from me, time, and that means that I think my life is important, and that means that I am so happy I chose when I did and I didn’t take any more time That’s the grief. That’s what I had to come to grips with. But I think we have this thing where we feel like there’s this, like, pros and cons list. Like, we think if we can just get our feelings to settle down, right? We’ll know we did the right thing. You know, we’ll know this was the choice. Uh, like, it’s never gonna be right, wh- whatever right is in our minds. Like, it’s never, you’re never gonna score a perfect 10 on the exiting at the exact moment you were supposed to. If I had left five years before when I had left the first time, I probably would have thought I should have left five years before that. I knew right away that something was wrong. So my grief, my, my feelings, my mood, if you will, was telling me that it mattered It wasn’t telling me anything else. And I think once I understood that things can matter, and I can still move forward, and I’m learning about myself, and that the timing was when I could, then I think that grief started to integrate and lessen, and instead I started to become appreciative of where I was and who I was. You guys might remember in a earlier episode, and I won’t tell the whole story, but I got up on New Year’s Day and I was mad at my ex, and I had to sit with that and recognize I wasn’t really mad at him. Why would I even be thinking about him still? Like, I was mad at me, and I had to reckon with that. I had to reckon with those earlier versions of me who were l- God, she was hanging on by her toenails, doing the best she could. And I think honoring her and, everything she went through was to release her from some expectation that this version of me has, ’cause this version of me w- would not tolerate it. Do you know what I mean? But I wasn’t this version. But I had to be that version to get to here. Okay, so my next one, the third one. Okay, so let’s say you le- you cleared some space, you stopped treating your feelings like they’re wrong, and now you actually get to the place where you’re like, “I get to build something.” And here’s what I think made me, I don’t know, I, I wanna say, like, lost the most time. But for about a year, I think every decision that I made, I was really only asking one question: is this safe? Like, that’s it. That was the filter. Is this safe? Can I afford it? What happens if it goes wrong? What’s the smallest version of this I could do? Maybe not quite. We could try that. I don’t know. And I’m an entrepreneur, and I’m, not risk-averse. I’m not. But I noticed I was leaning into safety. I needed to feel a certain level of safety. And I, I, I think that can be a valid question, but I also think if it’s your only question, then you start to build a very small life. And then you will sit inside it a year later going, “Why does this not feel big enough?” Right? I did the hard thing. I got out, I rebuilt. Why does this feel like nothing? And I think- That, you know, when I look back, I, I left, well, I left in August. It took forever to sell my house. Moved into my apartment at the end of December, I think, and then it was probably the summer before I was like, “Oh, I’m doing this safety thing.” And it made a lot of sense ’cause a survivor builds a shelter. She doesn’t build a life. Those are two different projects. And I don’t wanna say go be reckless. I’m not saying, like, spend money that you don’t have, or blow up your life, or take a leap. Like, that’s not what I’m saying. The point is that the question I was using was too small, and maybe it’s the question I had to have for several months just until I could feel that stability for myself. I remember being so anxious all the time. I was anxious I would see him, like, walking the dog. He doesn’t live terribly far from me, I think maybe a mile or two. I was afraid I would run into him on the street. , I was afraid, and I noticed, like, I was trying to build a whole bunch of safety mechanisms around me in order to avoid that fear so that when I came back home I knew that it was safe. Now, I wanna be clear. He wasn’t beating me or anything like that, , but it was not emotionally safe place to be. So What changed for me was switching to a different question, and this is one that I still use and I still like it for big things and small things. Here’s the question, and I’ve talked about this in another episode in another way, , when I went to Vermont, that episode. But it’s who is the kind of person that I want to be? Not what do I want, ’cause we’ve already established that I couldn’t answer that one for a little while. It’s not what’s the safest, because I had been living inside that one. But who is the kind of person I wanna be? And then, would she do this? Because there is a version of you that chooses much differently. She just does. You know, ask a scared woman whether to take the trip, and she’ll turn into the calculator in her phone and run the numbers and figure it all out and see if it makes sense and Google and ask ChatGPT, but ask the woman that you want to be whether to take the trip, and you’ll get an answer just like that. And it’s not that she’s reckless, by the way. That’s not it, and that’s not what surprised me. The woman that I want to be says no to a lot of things. She says no faster than the scared version does, because the scared version negotiates things and explains and tries to weigh options and tries to be nice about it. The woman that I want to be just doesn’t have that much interest. So you have to notice which version of you you’re living inside, because if, if it’s the one who just came through something hard, she’s going to design for protection. I think that’s normal. And protection is not the same. It’s not the same as a life. It’s the first thing you need, but it’s also a terrible thing to organize the rest of your life around. Okay So if you wanna have actually something to do this week, here’s what I would do, and I’ve made it really small on purpose. I want you to write down three things that you are doing purely out of habit. Not big stuff, just regular stuff, just ordinary stuff. And then look at each one and ask, “Who is the kind of person I want to be, and does she keep doing this thing?” You don’t have to change any of those things. This isn’t, like, a homework assignment where you have to have a life overhaul this week. I just want you to find out how much of your week belongs to a woman who made decisions about things, like, a long time ago for reasons that might not even be true anymore. And I’ll tell you what usually happens when people do this, ’cause I’ve watched women do this, is that one of them is gonna seem really like, oh, my God. T- there’s always one where you go, “Oh, I already knew about that one.” That’s your first one to just really pay attention to, . So all right, one more thing that I wanna say before I go. People assume that the story of the last few years of my life is a story that you can see online. It’s a story of me sharing nights out with my friends. It’s a story of me going on trips. It’s a story of me really discovering, like, what I like to wear and how I like to show up as myself. It’s a story of me helping women and building my business. It’s, like, a beautiful story, but it’s not a story about how life got easier. My life is not easy. I’m renting. I got a cat that won’t shut up. I have a business and a whole lot of ordinary days, and there is a lot of things that I am still figuring out. It’s not that things got easy. It’s that I stopped needing it to be easy before I made it mine, and that’s the thing that’s available to you way, way, way earlier than you think it is. You don’t have to have it all sorted out before you’re allowed to claim it as yours. You can be in the middle of the mess and still build something with an intention and a purpose. You already know what your habit list is, so say it out loud. Figure out your one thing. And I think when you can do that, I think that is how you live a big life. All right, everyone, I love you guys so much. I will see you guys next week. Thanks for joining me on The Art of Living Big. I hope today’s episode sparked something within you, maybe pushed you to dream a little bit bigger and live a little larger. Don’t forget to subscribe. Leave us a review and share this podcast with someone you know who might need a little inspiration today. You can find me over on Instagram at Betsy Pake and on my YouTube channel. Remember, the world is vast. Your potential is endless, and your life, it’s yours to shape. Until next time, keep reaching, keep exploring, and keep living big.

In this episode of The Practical Wealth Show, Curtis May talks with David Johnson, founder of Vervent and author of Figure It the F Out, about leadership, business ownership, decision-making, crisis response, and what it really means to own the outcome. David's story is not typical. He dropped out of high school at 16, worked construction and mechanic jobs, then rebuilt his path through community college, Berkeley, Stanford Graduate School of Business, Bain & Company, McKinsey & Company, entrepreneurship, acquisitions, and eventually leadership at Vervent. The heart of the conversation is David's belief that leaders must face reality. He explains that it is easy to build a story around the numbers you want to believe, but real leadership requires data that "punches you in the face" so you can see what is actually happening. Curtis and David also discuss why businesses and households need more than optimism. They need liquidity, capacity, optionality, and the ability to perform when conditions change. David compares this to how Vervent prepares for crisis situations by building capability and capacity before the problem arrives. Key Topics David Johnson's story from high-school dropout to CEO Why entrepreneurship can feel like a "life sentence" The Full Throttle Outcomes model Facing reality before reality forces you to Why most management advice is overcomplicated How to build a business that can handle crisis Comfort with discomfort Strategic optionality Why organizations fail before they fail financially Culture as an early warning system Private credit and the changing financial system Why leadership requires ownership, not blame Main Takeaway Real leadership is not about having all the answers. It is about facing reality, building capacity, staying flexible, and owning the outcome when things get difficult.   If you are a business owner, entrepreneur, advisor, executive, or someone trying to build a more resilient life and business, this episode will challenge you to stop avoiding reality and start building the capacity to handle it.   Learn more about Practical Wealth: https://practicalwealth.net/FreedomSession Connect with David Johnson: https://www.vervent.com/ https://www.linkedin.com/in/davidjohnson9/    

What happens when two wheelchair users fall in love, get married, build careers, travel the world and navigate life together? Apparently, people have questions. After sharing more of their life as a disabled couple online and seeing an overwhelming response, Alycia Anderson brings her husband, Marty Anderson, back to Pushing Forward with Alycia for a lighter, candid and often hilarious Q&A about their nearly 15 years of marriage. Who is more stubborn? Who notices an accessibility problem first? Who takes longer to get ready? Who carries more disability-related gear? And when the world is not designed for two wheelchair users, how do they figure it out? As Alycia and Marty quickly discover, the answers lead to much bigger conversations about disabled relationships, wheelchair accessibility, accessible travel, independence, interdependence, ableism and belonging. Two Disabled People. One Very Normal Marriage. One of the biggest misconceptions Alycia and Marty encounter is the assumption that when disability exists in a relationship, one person must automatically become the caregiver. Their reality is much different. They help each other. Sometimes that means Marty holding Alycia's wheelchair during a transfer or Alycia grabbing onto Marty's chair for a tow. Sometimes it means reviewing an email, figuring out a business decision or helping each other navigate a difficult moment. And sometimes it simply means knowing somebody is standing beside you. As Alycia puts it, having Marty on her team makes her feel braver in the actions she takes in her life. Their partnership illustrates something much bigger: support in a relationship does not always move in one direction. When Accessibility Assumes Disabled People Are Alone Some of the funniest stories in the episode expose something decidedly less funny: much of the world is still designed around the assumption that a wheelchair user will be accompanied by a nondisabled caregiver. Movie theaters may provide one wheelchair space and one companion chair. Venues may offer accessible seating without considering that two wheelchair users might actually want to sit beside each other. Transportation systems may have accessibility policies but still create frustrating or alienating customer experiences. Hotels may technically meet accessibility standards while still making everyday tasks difficult. Alycia and Marty have spent years navigating those gaps together. Their solution is often the same: Figure it out. For Alycia, that mindset is deeply connected to disability itself. When the world is not designed for you, creativity and adaptation become part of everyday life. The Airport Shuttle Stress Is Real Accessible travel gets its own unofficial therapy session in this episode. Alycia and Marty talk about one of their biggest travel stressors: getting from the airport to the rental car facility. Wheelchair-accessible shuttle experiences can be unpredictable. Ramps may not work. Drivers may approach wheelchair passengers differently. Other travelers may board while wheelchair users are still waiting. Policies can sometimes override a simple conversation about what actually works best for the individual passenger. The frustration is not always about the equipment. It is about the experience. Marty describes accessibility as something that should create a feeling of being invited rather than treated like an exception. That distinction between technical access and true belonging sits at the center of much of Alycia's work. Accessible Parking Is More Complicated Than It Looks Alycia and Marty also tackle one of disability culture's perennial hot topics: accessible parking. They are quick to point out that disability does not have one appearance. Someone using an accessible parking space may have a completely legitimate non-apparent disability. But they also raise an important distinction around van-accessible spaces and access aisles. Those striped areas next to certain spaces are not extra parking. They provide the room someone may need to deploy a wheelchair ramp, transfer from a vehicle, use a walker or maneuver mobility equipment. It is another example of how accessibility education can make systems work better for everyone. What Do Nondisabled Couples Take for Granted? Their answer? Sometimes, spontaneity. Traveling without researching accessibility. Accepting an invitation to someone's house without wondering whether you can enter. Booking a rideshare without thinking about whether a wheelchair will fit or whether the driver will refuse the trip. Checking into a hotel without wondering whether the mirror can actually be seen from a wheelchair. These may seem like tiny details individually. Collectively, they shape whether people can participate fully and independently in everyday life. Disabled Relationship Myth Busting Perhaps the biggest misconception Alycia and Marty challenge is the belief that two disabled people somehow live a fundamentally different kind of relationship. Their marriage has accessibility logistics and mobility adaptations, yes. It also has careers. Finances. Intimacy. Arguments. Love. Partnership. Medical challenges. Travel. Laughter. And almost fifteen years of figuring life out together. Disability is part of their relationship. It is not the entirety of it. Marriage Is Still Marriage Near the end of the episode, Marty asks Alycia what nearly fifteen years together has taught her that has nothing to do with disability. Her answer becomes one of the episode's most beautiful moments. Marriage, she says, is one of the hardest things she has ever committed to, but also one of the very best. Creating a life with another person remains one of the accomplishments she treasures most. And after several heavy weeks for the Anderson household, their final Pushing Forward Moments are wonderfully simple. Marty's: Take life a little lighter. Have some fun. Everything does not have to be serious. Alycia's: All you need is love. Sometimes pushing forward means solving the accessibility problem. Sometimes it means advocating for change. And sometimes it means laughing with the person sitting beside you while you figure everything else out. IN THIS EPISODE Alycia and Marty discuss: What life is actually like for two married wheelchair users Who is more stubborn about asking for help Why asking for help can be difficult when independence has been ingrained in you Who notices accessibility barriers first Wheelchair travel and airport shuttle frustrations Accessibility versus genuine hospitality and belonging Why Alycia carries more disability-related supplies while traveling When they speak up about inaccessible environments How two disabled partners physically and emotionally support each other The assumption that every disabled person has a nondisabled caregiver Why theaters and entertainment venues often fail wheelchair-using couples Disability, marriage and intimacy Accessible parking and non-apparent disabilities Why van-accessible spaces serve a specific purpose Rideshare and transportation discrimination Why accessible hotel rooms should not have thick carpet How disability creates everyday problem-solving skills Automatic doors and universal access Spontaneity and the hidden planning involved in disability What nearly fifteen years of marriage has taught them Finding more fun, light and love in everyday life KEY THEMES

Rich & Ken with Ted Johnson | Thursday 8/27/2026

This hour: The strange story of Roman Anthony and the leaky A/C unit; Is there a more polarizing figure in Boston sports than Jarren Duran; Who will cave first, Kraft or Gonzalez; A brief Van Hagar digression

Harry and Meghan are headed back to the UK and Jessi is phoning journalist, author and royals expert Elizabeth Holmes to find out WHY!? WHERE are they going? ARE they trying to re-enter the monarchy? Was their time in the US a FAILURE? and WHO WILL TAKE CARE OF THEIR CHICKENS?! Elizabeth has surprising insight and answers on Meghan, Harry and all things royal! Then, where does Jessi stand on OREOGATE?! And is the viral story all a hoax? Plus! Taylor Swift gave us zero wedding photos but 50 minutes talking about songwriting and we'll take it. Jessi breaks down the life lessons she learned from Taylor's latest interview. All that plus Pitbull's tribute to Dolly Parton, naturally. Be friends with Jessi IRL! Or at least, On The Phone! Leave her a voicemail HERE: 323-448-0068Get all things Elizabeth Holmes HERE: www.byelizabethholmes.com Hosted on Acast. See acast.com/privacy for more information.

Clearing out his late mother's attic, a man finds a box holding his uncle's folded RUC uniform and a small leather notebook – the private diary of a West Belfast detective working the worst months of the Troubles, who by his second entry has started writing about a hooded figure that keeps appearing at his crime scenes.EPISODE BLOG PAGE (includes sources): https://weirddarkness.com/mitm-belfastcopSOURCES and RESOURCES: “Troubles of a Belfast Police Officer” by Finn McCool:https://weirddarkness.tiny.us/3rnc9df6WeirdDarkness® is a registered trademark. Copyright ©2026, Weird Darkness.Midnight In The Macabre (MITM), originally aired: August 26, 2026LIKE WHAT YOU'RE HEARING? WEIRD DARKNESS posts episodes 7 DAYS A WEEK! Listen FREE wherever you get podcasts or visit https://weirddarkness.com/listen. • Paranormal • True Crime • Ghosts • UFOs • Cryptids • Unexplained • Want even more? Become an OFFICIAL WEIRDO for commercial-free episodes, bonus episodes, weeknight live chats, audiobooks & more at https://WeirdDarkness.com/OFFICIAL

Many times, God does not give us detailed instructions for every decision or tell us exactly what to do next. Instead, He gives us abilities, resources, opportunities, wisdom, and responsibility, and expects us to use them to figure out how to move forward. God wants us to think, create, make decisions, take initiative, and produce results with what He has entrusted to us. Rather than continually waiting for God to tell us exactly what to do, there are times when God is waiting for us to act. Part of spiritual maturity is learning how to faithfully use what God has already given us to make wise decisions. __________ Genesis 2:19 NLT, Matthew 25:14-27 NLT __________ Partner with Us: https://churchforentrepreneurs.com/partner Connect with Us: https://churchforentrepreneurs.com __________    

Howie Kurtz on the passing of beloved icon Dolly Parton at age 80, President Trump's endorsement carrying Lindsey Graham's sister Darlene to a primary victory in South Carolina, Defense Secretary Pete Hegseth facing scrutiny over the recent firings of high-ranking military officials.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you ready for a big change, but you have no idea how to make your vision a reality? If your answer is yes, this episode is for you! So often, we get caught up in thinking that we have to have the entire plan figured out before we can take the next step toward our goals. This way of thinking can get us stuck. In today's episode of EXPANSIVE, Erin will guide you through how to sharpen your focus so that you can find the next best step in service to your goal. Grab a pen and paper and ask yourself these questions as you listen to this episode: Clearly state: what do you want? List five possible next steps in service of that goal Which of these step can I take in the next 24-48 hours that will create movement, information, connection or opportunity? DM Me your next best step @erintreloar on Instagram! Join me as I moderate An Intimate Evening with Sophie Grégoire Trudeau Sept 22nd in Vancouver: https://www.worthassociation.com/an-intimate-evening-with-sophie-gregoire-trudeauIf you're ready for expansion and want to do it within an incredible community of women, join us inside of The Expansive Mastermind. Join Erin at the Expansive Retreat Oct 23-25 in Santa Monica, CA! Join the Waitlist for The Expansive Community Subscribe to the podcast to make sure you never miss an episode. Connect with Erin:⁠Instagram⁠ ⁠WebsiteSupport Our Sponsors: HIYA KIDS VITAMINS - Get 50% off your first order of Hiya's best-selling kid's daily multivitamin by visiting www.hiyahealth.com/erin. This deal is not available on their regular website! JONES ROAD BEAUTY - Get a free Cool Gloss on your first purchase when you use the code ERIN at checkout https://www.jonesroadbeauty.com/HONEYLOVE - Visit www.honeylove.com/erin for 20$ off your order WAYFAIR - Join Wayfair Rewards for 5% off your entire order at www.wayfair.com SUPERBELLY POWDERS - Go to ⁠www.itsblume.com⁠ and use code RAWBEAUTYTALKS for AQUAOMEGA OMEGA-3 SUPPLEMENTS - Go to www.myaquaomega.com/erin and use code ERIN for 20% off. JIYU SKINCARE - Get an additional 20% off + free shipping on their Glow Up bundle by visiting www.jiyuskin.com and using code ERIN FATTY 15 - Use code ERIN at www.fatty15.com/erin for an extra 15% off the 90-day subscription starter kit⁠Leave Expansive with Erin a rating and a review on Apple Podcasts⁠! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Aaron Steed started Meathead Movers at just 17 and spent the next 29 years building it into an eight-figure business with nine locations. In this episode, he shares how he survived having his phone lines shut down, overcame a $25,000 licensing hurdle, and recovered from a major advertising deal falling apart during expansion. Aaron also explains how a 400-point training program, athletic movers, memorable customer experiences, and community involvement helped the company stand apart. Plus, he reveals why speed to lead matters more than ever and how Meathead Movers closes around 50% of prospects its team successfully reaches. Sponsor: Quiet Light Get a free, confidential valuation at https://quietlight.com/! Be sure to get more content like this in the Niche Pursuits Newsletter Right Here: https://www.nichepursuits.com/newsletter ----------------------------------------------------------------------------------------------------------------------- Want a Faster and Easier Way to Build Internal Links? Get $15 off Link Whisper with Discount Code "Podcast" on the Checkout Screen: https://www.nichepursuits.com/linkwhisper ----------------------------------------------------------------------------------------------------------------------- Get SEO Consulting from the Niche Pursuits Podcast Host, Jared Bauman: https://www.nichepursuits.com/201creative ----------------------------------------------------------------------------------------------------------------------- Links & Resources Book Meathead Movers: https://www.meatheadmovers.com/ Connect with Meathead Movers on Instagram: https://www.instagram.com/MeatheadMovers/ Follow Meathead Movers on Facebook: https://www.facebook.com/MeatheadMovers/ Learn more about the Meathead Movers New Vista Office: https://www.prnewswire.com/news-releases/meathead-movers-meets-growing-san-diego-demand-with-new-vista-office-302748878.html - You can learn more about me and get additional website tips at: https://www.nichepursuits.com - You can learn about optimizing your site with internal links using a WordPress Plugin I created right here: https://www.linkwhisper.com Thanks for watching and please consider subscribing to the main Niche Pursuits YouTube channel by clicking here: https://www.nichepursuits.com/youtube

===SNIPPETS FROM THE SUMMIT===For millennia men and women have been trying to figure each other out. But the ironic part is both genders think they're easy to figure out. What's actually going on there? Well, that's the part nobody ever stops to think about...until now. As it turns out, when we stop thinking of the other gender as from some other planet, or even as some other species, that's when the picture becomes crystal clear. The ramifications of figuring this out are massive for not only how attractive you are to women, but how successful your relationships with them will be (and vice-versa, of course!) Take the Reality Check Inventory quiz for FREE at: https://mountaintoppodcast.com/realitycheck === HELP US SEND THE MESSAGE TO GREAT MEN EVERYWHERE === Snippets From The Summit are all about completely original ideas for success with women that also happen to be extremely effective...and actionable. It's all built on the "Big Four": Confidence, Masculinity, Liking Women, and Good Character. Better men get better women. If you love what you hear, please rate the show on the service you subscribed to it on (takes one second) and leave a review.

In this episode of Meant to Win, Dr. Stephanie Wigner takes you inside a private AI day ran by her best friend, Callan Faulkner in Nashville with 15 women running seven and eight figure businesses, including a conversation with Jenna Kutcher she can't stop thinking about. Fifteen years into the online game, Jenna told her something that stuck: she had won the game of business and wanted to play the games of life she hadn't explored yet. Stephanie gets honest about bouncing between "I'm doing so much" and "I'm not doing enough," why she's spent the last 60 days clearing everything off her plate that isn't aligned, and the question she wants every business owner sitting with: how much of your revenue actually exists outside of your time? She also announces Full Send, the docu-series she's been filming for the past 12 months. Chapters:- 00:04 Welcome & Introduction- 01:57 Power of Expansive Rooms- 05:38 Realizations from High-Performing Peers- 06:52 Insightful Conversation with Jenna Kutcher- 08:53 Building Beyond Success- 11:01 Aligning Purpose with Action- 12:14 Transitioning from Business Owner to Founder- 14:50 Launching a Legacy: The Docu-SeriesKey Takeaway:Ask yourself the founder question Steph is now building around: how much of your revenue and impact is leveraged outside the hours you put in? A business owner trades time for results. A founder builds assets that keep working when she steps away.Lead Magnet:Want a behind-the-scenes look at what it really takes to build an eight figure business while navigating motherhood and marriage? Sign up to watch Full Send, the Meant to Win original docu-series, and get exclusive access to episodes as they release: https://go.thewealthypractitioner.com/watch-full-send-page

After nearly two months away from the podcast, I'm back—and this episode is about something I think every busy dad needs to hear:You don't have to fix everything today. You just have to do the next right thing.READY TO GET BACK ON TRACK WITH YOUR FITNESS?I have both a 3-day-per-week full-body program for busy dads who want maximum results with fewer training days and a 5-day-per-week program for guys who want to spend more time in the gym.When you pay for a full year upfront, you'll save compared to paying month-to-month—and after your free 7-day trial and annual payment, I'll send you a FREE $50 1st Phorm gift card to put toward protein, creatine, or whatever you need.

Daily Dad Jokes (25 Aug 2026) The official Daily Dad Jokes Podcast electronic button now available on Amazon. The perfect gift for dad! Click here here to view! Shower Thoughts Podcast: We have another podcast called Daily Shower Thoughts, showcasing random, amusing and mind bending epiphanies. Search "Daily Shower Thoughts" in your podcast player or click here Email Newsletter: Looking for more dad joke humor to share? Then subscribe to our new weekly email newsletter. It's our weekly round-up of the best dad jokes, memes, and humor for you to enjoy. Spread the laughs, and groans, and sign up today! Click here to subscribe! Listen to the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ or search "Daily Dad Jokes" in your podcast app. Jokes sourced and curated from reddit.com/r/dadjokes. Joke credits: ilikesidehugs, lnc_gomes, somemadguynamedneel, PackageNorth8984, kovuoutai, Vaquero-SASS, somemadguynamedneel, GlasgowToon, ASK_ABT_MY_USERNAME, somemadguynamedneel, mindjames, somemadguynamedneel, , Ostor123, CLONE-11011100, pakage, listerjed1, Mapleleafguy83 Subscribe to this podcast via: iHeartMedia Spotify iTunes Google Podcasts YouTube Channel Social media: Instagram Facebook Twitter TikTok Discord Interested in advertising or sponsoring our show? Contact us at mediasales@klassicstudios.com Produced by Klassic Studios using AutoGen Podcast technology (http://klassicstudios.com/autogen-podcasts/) Learn more about your ad choices. Visit megaphone.fm/adchoices

Daily Dad Jokes (25 Aug 2026) The official Daily Dad Jokes Podcast electronic button now available on Amazon. The perfect gift for dad! Click here here to view! Shower Thoughts Podcast: We have another podcast called Daily Shower Thoughts, showcasing random, amusing and mind bending epiphanies. Search "Daily Shower Thoughts" in your podcast player or click here Email Newsletter: Looking for more dad joke humor to share? Then subscribe to our new weekly email newsletter. It's our weekly round-up of the best dad jokes, memes, and humor for you to enjoy. Spread the laughs, and groans, and sign up today! Click here to subscribe! Listen to the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ or search "Daily Dad Jokes" in your podcast app. Jokes sourced and curated from reddit.com/r/dadjokes. Joke credits: ilikesidehugs, lnc_gomes, somemadguynamedneel, PackageNorth8984, kovuoutai, Vaquero-SASS, somemadguynamedneel, GlasgowToon, ASK_ABT_MY_USERNAME, somemadguynamedneel, mindjames, somemadguynamedneel, , Ostor123, CLONE-11011100, pakage, listerjed1, Mapleleafguy83 Subscribe to this podcast via: iHeartMedia Spotify iTunes Google Podcasts YouTube Channel Social media: Instagram Facebook Twitter TikTok Discord Interested in advertising or sponsoring our show? Contact us at mediasales@klassicstudios.com Produced by Klassic Studios using AutoGen Podcast technology (http://klassicstudios.com/autogen-podcasts/) Learn more about your ad choices. Visit megaphone.fm/adchoices

If your week is whatever walks through the door and the whole studio is being run out of your head, book a discovery call and we'll map what's actually holding you at your current number. Follow Geronimo Unfiltered: ⁠Spotify ⁠⁠Apple Podcasts⁠⁠ YouTube⁠⁠ Instagram⁠ Sophie sits down with Shell, who doubled her studio revenue in twelve months while raising seven kids. This is the logistics episode. How the week actually gets built. Everyone assumes a woman running a seven figure studio with seven kids has something the rest of us don't. More discipline. More energy. Some extra gear that switches on at 4:30 in the morning. The real answer is more boring and more useful than that, and it's the reason I wanted this one in your ears. Shell has four kids she birthed, three stepkids, three year old twins, a firefighter husband on shift work and a gym she bought while it was sitting in the red. In twelve months she went from $40k months to $70-80k, with a peak at $84k. She is not doing more than you are. She decides earlier than you do, she pays for the help she needs instead of hoping the week works out, and she asks for the rest. Her constraint was never time. It was that the whole thing lived in her head, and once she got it out of there and onto a plan, the numbers moved. In this episode you'll hear: The Sunday ritual she runs for the family calendar and the business plan in the same sitting, and why doing one without the other falls over by Wednesday What she actually pays for so the 4:30am starts and the school drop offs can both happen in the same day How she works out whether she can afford a hire before she makes it, instead of hiring and hoping the members show up What changed inside her own job between $40k months and $80k months, including the two things she hated doing until she got good at them The question she asks instead of "I can't," and the handful of standards she will not move for anyone, including her business If this one landed, go straight to the other episode about owners who were doing fine and decided fine wasn't it. Nate and Jacob from Newstrength went from good enough to a $1M run rate, and they did it while juggling kids and 3am training too. Shell went from $40k months to $80k in twelve months, with seven kids and a husband who's never home on the same schedule twice. She didn't find more time. She followed a plan and put the right people around her. If you want the same thing mapped for your studio, book a discovery call and we'll show you where your next number actually comes from. CHAPTERS 00:00:00 Seven kids, seven figures, and no excuses 00:01:43 "We were fine": the most expensive words in her business 00:03:09 How can we, not why can't we 00:05:34 The support network, and the au pair on a 38 hour roster 00:08:37 Separation Sunday: family logistics and business plan in one sitting 00:10:16 Training as the non-negotiable that keeps her sane 00:11:12 What she does when the plan gets punched in the face 00:12:51 Thinking bigger: the Japan trip that made the money mean something 00:15:08 Control freak, mum guilt, and the standards she won't move 00:18:26 Reverse engineering the hire from member numbers 00:19:52 The $40k role versus the $80k role 00:24:30 Buying a gym in the red, and the line from Benny that still gets her 00:29:06 Monday morning: one target, one focus, and why you don't wait for Monday

Figure out whether you should trust the FantasyPros Expert Consensus Rankings (ECR) or Average Draft Position (ADP) more! Join Chris Welsh, Andrew Erickson and special guest Justin Boone for their top nine fantasy football draft picks that they love to target. Can New York Jets RB Breece Hall bounce back? Does Tampa Bay Buccaneers WR Emeka Egbuka have top-12 upside? Plus, is Carolina Panthers RB Jonathon Brooks ready to explode? The Pros pick between the experts and the public! Timestamps: (May be off due to ads) Intro - 0:00:00 Breece Hall - 0:03:58 TreVeyon Henderson - 0:14:56 Jonathon Brooks - 0:20:54 Signed Colston Loveland Jersey Giveaway - 0:28:16 Terry McLaurin - 0:28:42 Emeka Egbuka - 0:33:35 DJ Moore - 0:36:23 Courtland Sutton - 0:42:14 FantasyPros Draft Assistant - 0:46:35 Matthew Stafford - 0:47:23 Isaiah Likely - 0:51:20 Outro - 0:56:28 Helpful Links: Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Start Your Free FantasyPros Premium Trial - https://www.fantasypros.com/free/ -Get three days free to unlock premium draft tools, rankings, analysis, and personalized advice. Watch and Subscribe to The Tailgate - https://www.youtube.com/@tailgatenfl - Just friends talking football. Get NFL storylines, weekly analysis, giveaways, and more from the FantasyPros team. Subscribe to FantasyPros on YouTube - https://www.youtube.com/@fantasypros - Watch the latest fantasy football rankings, mock drafts, sleepers, breakouts, and draft advice. Support the FantasyPros Fantasy Football Podcast - https://www.fantasypros.com/review/ - Leave a review on Apple Podcasts or Spotify to help support the show. Real-Time ADP - Track up-to-the-minute draft trends across all major platforms: https://fantasypros.com/realadp View the Latest Fantasy Football Rankings - https://www.fantasypros.com/nfl/rankings/ - Compare expert consensus rankings, tiers and player values before making your draft-day decisions. Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

On this episode of CoinDesk's Public Keys from the New York Stock Exchange, host Jennifer Sanasie sits down with Michael Tannenbaum, CEO of Figure Technology Solutions, to unpack the company's record quarter, its self-described "Rule of 150," and why it sees blockchain as a standardization engine for capital markets. Then, Lance Vitanza, Managing Director and Senior Research Analyst at TD Cowen, explains why the 2026 digital asset treasury shakeout has clarified the model rather than broken it—and what separates the companies built to last from the rest. Plus, Sid Coelho-Prabhu, Head of Coinbase Business, breaks down Coinbase's bet on AI agent payments, why stablecoins like USDC are emerging as the currency of agentic commerce, and how the x402 protocol could reshape the way businesses get paid. - Learn more at bullish.com. - Register now for CoinDesk's Policy and Regulation event on September 22, 2026: policy-regulation.coindesk.com. - To get market-moving news delivered daily, download CoinDesk's mobile app: linktr.ee/coindeskapp. - Chapters/Timecodes: 00:00 Welcome to Public Keys 00:20 Figure's Record Quarter and the "Rule of 150" 00:50 Figure CEO Michael Tannenbaum Joins 04:05 Figure as the "Fannie Mae of Blockchain" 06:44 Cutting Diligence Costs and Fighting Loan Fraud 08:10 Unlocking $35 Trillion in US Home Equity 09:57 Responding to the Morpheus Research Report 12:16 The Digital Asset Treasury Shakeout of 2026 12:55 TD Cowen's Lance Vitanza Joins 15:00 Why Strategy Is Built for a Bitcoin Bear Market 17:02 Strive, Smarter Web and Nakamoto in the Win Column 20:00 Treasury Companies vs. Spot Bitcoin ETFs 23:19 Coinbase Bets on Payments from AI Agents 23:41 Coinbase Business Head Sid Coelho-Prabhu Joins 24:45 How AI Agents Are Already Spending Money 27:03 Why Stablecoins Are Winning Agentic Payments 30:25 Inside the x402 Payment Protocol 32:06 What Still Needs Solving in Agentic Payments

Philippe Bouvard est décédé le 24 août 2026 à l'âge de 96 ans. Figure emblématique de RTL, et animateur historique des 'Grosses Têtes', il a marqué l'histoire de la radio rouge. Le 6 décembre 2023, Laurent Ruquier passait un coup de téléphone à son prédécesseur pour lui rendre un hommage appuyé à l'occasion de son 94è anniversaire.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Philippe Bouvard est décédé ce 24 août 2026 à l'âge de 96 ans. Figure iconique de RTL, Philippe Bouvard a animé "Les Grosses Têtes" de 1977 à 2014, avant de laisser sa place à Laurent Ruquier. Dans ce podcast, réécoutez sa toute dernière à la tête du programme phare de la station. C'était le 28 juin 2014 ! Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

You can know that you do not want to keep practicing law and still have no idea what you want to do. You may not even know what you could do. A lot of lawyers assume they need to have some sense of the answer before they can start when the process is actually designed for people who are in exactly your position.Part of what makes figuring out what comes next so uncomfortable is that there is no assessment that gives you one answer. You have to get a clearer picture of who you are, pay attention to what you are genuinely interested in, and gather information about what different jobs are actually like. As you learn more, you refine what you are looking for, which can feel confusing when you are used to having a clear path to follow.In this episode of The Former Lawyer Podcast, Sarah Cottrell walks through the Former Lawyer Framework and explains how she helps lawyers figure out what they want to do instead of practicing law. She talks about why the process starts well before resumes and LinkedIn, what makes the exploration stage so confusing, and how getting more information can help you identify work that is actually a better fit.0:27 - The Former Lawyer Framework for figuring out what to do when you do not want to practice law1:17 - Looking back at what brought you to law in the first place2:46 - Getting a clearer picture of who you are and what makes a job a good fit4:27 - Why assessments do not give you one answer about what to do next5:16 - Letting genuine interest guide which career options you explore8:55 - Refining your options when the process does not follow a clear path10:30 - Why resumes and LinkedIn come at the end of the process11:38 - Knowing you dislike your current job is enough to get started12:39 - Final enrollment details for the Former Lawyer CollaborativeMentioned In How to Figure Out What You Want to Do Instead of Practicing LawThe Former Lawyer CollaborativeFirst Steps to Leaving the LawI'm closing enrollment for my self-paced group program, the Former Lawyer Collaborative, permanently on August 31st, 2026. If you've been thinking about joining now is the time. Head to formerlawyer.com/collab to join before doors close on August 31st.

Description:What if the next level of your business doesn't require working harder, but learning what you should stop doing yourself?On this episode of I Am Refocused Radio, Shemaiah Reed sits down with Kirsten Graham, co-founder of Six Figure Business Coaching, business coach, podcaster, and real estate investor, for a practical conversation about building a business that can grow without consuming your entire life.Kirsten helps entrepreneurs create stronger systems, delegate with confidence, use Virtual Assistants, embrace automation, and focus their energy on the work that actually moves the business forward. Her approach is built around a simple idea: entrepreneurs shouldn't have to wear every hat in the company in order to succeed.In this conversation, we explore:Why doing everything yourself eventually becomes a barrier to growthHow to know when it's time to hire or outsourceWhat entrepreneurs should delegate firstHow Virtual Assistants can support marketing, bookkeeping, podcast outreach, video content, and daily operationsWhy systems are essential for sustainable growthHow AI and automation are changing small businessThe difference between being self-employed and truly leading a companyHow entrepreneurs can increase visibility without living on social mediaWhy financial clarity matters when scalingHow to build a business that gives you more freedom instead of creating another jobKirsten also shares lessons from her background in real estate, mortgages, entrepreneurship, and coaching, and explains why the right people, systems, and processes can completely change the trajectory of a business.If you're an entrepreneur who feels overwhelmed by the endless list of things that need to get done, this conversation may challenge one of the biggest assumptions in business:You don't have to do everything to be successful. You have to build something that works without everything depending on you.https://sixfigurebusinesscoaching.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.Subscribe now at YouTube.com/@RefocusedNetworkThank you for your time. 

https://youtu.be/B9j1nlRifHM Alex Fernandez, CEO of Synergy Orthopedic Specialists, is driven by a mission to help physicians Build a Multi-Site Medical Practice that creates wealth, equity, and independence beyond their personal labor. By bringing independent physicians together, building scalable organizations, and expanding access to integrated services, Alex helps doctors operate as entrepreneurs while delivering a more convenient and cost-effective patient experience. In this conversation, Alex introduces The Multi-Site Scaling Framework—Visualize Your Target EBITDA, Align With Your Partners, Remove Yourself From the Center, Build Systems, and Build Margin Around Your Core Business. He explains why starting with the desired enterprise value creates a clearer path for growth, why alignment must be a gate for every partnership or acquisition, and how strong systems allow a business to operate without depending on its founder. Alex also shares how vertical integration, company culture, geographic expansion, and AI-assisted processes can improve profitability while preserving independent medical care. — Build a Multi-Site Medical Practice with Alex Fernandez  Good day, dear listeners. Steve Preda here with the Management Blueprint Podcast, and welcome Alejandro “Alex” Fernandez, the CEO of Synergy Orthopedic Specialists, a team of surgeons and specialists that believes in providing patients with an integrated approach to musculoskeletal—I’m glad I could pronounce this—medical care through 15 locations throughout San Diego. Alex, welcome to the show.  Thank you. Thank you. Yeah, I appreciate that. I’ve enjoyed your show, and I’m happy to be here.  Well, I’m always interested when I meet with medical provider companies or CEOs who have been doctors, because I grew up in a family of two doctors, and so I was exposed to some of the challenges of being a doctor and running a hospital. So that’s going to be interesting. So my favorite question that I ask recently to all our founders is, what is your personal why, and how are you manifesting it in your practice and in your business?  Yeah, for sure. And so my why, as you put it, comes from where I started. I actually don’t come from a family of physicians. I started not where I ended up. I’m a son of Cuban immigrants. My parents fled Castro in the ’60s, and I was born in Puerto Rico. Later on, my family took a lot of our family in the Mariel boatlift in 1981 and took hundreds of people out of Cuba. But in reality, the concept or the reality is that my parents didn’t have a lot of money. They had some connections, but they believed that I should have a college education.  But I had to work my way through eight years of college to get my bachelor’s. So I landed in healthcare as an accident. It was a small medical practice. I was basically doing front desk and medical records, and then later on learned how to do the billing, all by hand at that time. There were no electronic medical records. And I started basically at the front desk, and I watched something that I never really forgot, which is, you have these brilliant physicians, people that can diagnose patients and help them and cure them, but when it came to business, they were never taught anything about business.  So this is where I believe I have generated value over the years: basically, built companies that actually create wealth, and the wealth for the physicians in particular.Share on X I think physicians are very entrepreneurial. At least that’s the idea to begin with, is, “I’m going to go into the practice of medicine and have my own business.” But somewhere along the line, the business becomes almost like an ATM machine. It’s no different than any other entrepreneur that starts a business. They are the business. Without them, if they go away for a couple of days, the business doesn’t make any money, and they don’t really know how to do that. So what I’ve done over the years is I have gotten smaller groups of physicians to come together, form larger organizations, larger groups, and eventually built larger private businesses that can have EBITDA, equity earnings that can basically provide some additional wealth.  Particularly, I try to help them think of themselves as capitalists, not as day laborers. Because in reality, in most businesses, and particularly physicians, they’re cranking the wheel, and the more they produce, the more they work, the more they earn. But in some cases, they don’t understand how to get away from that. How to earn from all the other things that they control. Because physicians do control 80% of the spend in healthcare but earn probably no more than 5% of it.  Wow. That is shocking. So they’re not using the leverage properly, probably.  Yeah. Sometimes they know it’s there, but physicians in general are risk-averse. Just starting their own business is hard enough. Then having to figure out how to capitalize from all the levers that they have, that’s completely different. And they’re no different than, I would say, lawyers or accountants that start a small business. At some point in time, you have to figure out, how do you make the business big enough that it operates and works without you?  Yeah, I love that. I love that. And what makes you feel strongly for physicians?  Well, particularly independent physicians, I think it’s a dying breed. Years ago, I would hear the stories of my parents where they’d say, “Hey, we took you to the pediatrician,” and my dad would be friends with the OB-GYN that took care of my mom and the pediatrician. And I remember them naming them by first name or even meeting them at the social club. But nowadays, it’s very transactional. It’s very fast. There’s no connection.  So I think that’s why there’s been this whole surgence of concierge physicians where you pay extra. Because in truth, in order to make a living, the business of healthcare is compressed by downward pressures from the government and from other institutions that say, “We’re going to pay you less, but you have to have a significant amount of compliance, and you have to spend more money on this, and you have to do that.” And then at the same time, the cost of living goes up.  The employees need to make more money. Your rent goes up. The supplies continue to increase. So you have the static or lower reimbursement from the different payers, whether it’s Medicare, the government, or private institutions, and then an increase of expenses happening. That’s very strange to any business. In any other business, you say, “Well, if my costs go up, I increase my prices, and then maybe my margins are a little bit less, but I still have a significant margin.” In healthcare, you almost have to just work more in order to generate more revenue, and the expenses hopefully will increment a little bit more, but your earnings will be the same or less. So it’s a very tough situation for an independent physician.  That’s why more and more, especially physicians coming out of training, look for jobs with health systems, with the Kaisers of the world or the different large institutions in the United States, so that way they can go ahead and just go to work and take care of patients and not worry about the business of healthcare.  Yeah. But then these big hospitals turn into bureaucracies, and then they still have to worry about that in a different way.  And that’s personally the second part to that question you asked me. That’s why I like working with physicians and not necessarily with health systems. I’ve never held a job with a hospital. Not that I haven’t wanted to. It’s just, I think the nature of the bureaucracy of a health system creates some things that I’m not personally interested in.  Yeah. Well, I can see that. So Alex, this is a podcast of frameworks, as you know. So what’s a framework that has helped you build your business, maybe generate an insight, understand situations, maybe influence these physicians to come together in your roll-ups? Whatever framework you developed, could you share something with our listeners?  Yeah. Yeah, for sure. Most owners in a business—and I’ll talk in generic terms. I’ll try to make sure I don’t use any slang for healthcare—but most businesses build their business for income. They want to make income for their families, for themselves. They want to be able to take care of the people that they’re with. But they don’t really think about it from a perspective of, “Let me build a business that can multiply.” Maybe they want to, but in a lot of areas, it’s just hard for them.  I actually grew up in the bridal business. My parents had bridal stores. They basically did wedding packages, and that’s the business that I grew up in. Every summer, I would go and do the cash register or help rent tuxedos and things like that, or do filing and bookkeeping. So that’s where my entrepreneurial spirit comes from. It’s my parents. But I always saw them where maybe they built one or a couple stores, two, three stores, and they would kind of stop there. But I think I learned a lot from my dad in particular around multi-site operations in a retail industry, and I took that back into the healthcare business.  So one of the first things I think that a business owner has to do is they have to underwrite their own exit first.Share on X They have to think of growth and particularly of the value of the business if they were ever going to sell it. Figure out what your EBITDA or enterprise value is going to be, and then go from there. Then make the alignments first, but don’t make it the goal. Most people chase the volume, the customers, more locations, more deals, spend years fixing what they bolted on in order to flip it, but they don’t really take the time to align it. So I think the client, the partnership, the acquisition—you have to figure all that out at the beginning and then fix it later.  If I run into an acquisition that we’re looking at, and I don’t see the alignment from whoever I’m going to partner up with, I know it’s going to be a deal that’s going to go bad eventually. We all have to be thinking the same way. Then the other thing, like I already mentioned this a couple of times, but you have to take yourself out of the center. If you’re the CEO, you’re the business owner, and the business depends on you—you can’t go on your two- or three-week vacation to Europe or wherever you want to go, and when you come back, the business is in disarray or didn’t survive—you don’t really have a business.  You just have a job that costs you a lot of money to maintain. I think that’s where operating systems earn their keep. I haven’t really run the EOS program, but I’ve read the book, and I really like the idea of the scorecards, and I used it particularly when I came to this opportunity in San Diego. Getting everybody to row in the same direction. A business that runs with a founder and a single thing, it’s one that won’t get very far.  But on the other hand, if the founder figures out a way to build systems around them and bring in the right people, that’s going to make the business way more successful. And the last one I would say is own the margin around your core. Don’t just sell the core service. Figure out what else you have. And I think in healthcare in particular, I was mentioning this: doctors control a significant amount of what happens to a patient, but they don’t figure out ways to vertically integrate the business to have access or have the opportunity to earn some revenue and some earnings from the actual business they refer to.  So what I’ve done over the years, particularly in gastroenterology, I grew a medical practice of gastroenterologists. A couple of them came together, and it was around 50 million in revenue when I came in. And one of the first things I started doing was figuring out, how do we add, let’s say, imaging services? So we added CT. How do we add infusion services? Because back then, there were some significant drugs that were coming into market around infusion. But later on, we said, “Hey, we have an investment in an ASC, but why don’t we do the investment so the investment’s part of the group? So all the doctors can benefit from that.  And when we actually equitize the business in the future, that could be part of our exit if there’s equity there.” And then the next question was, “Well, why don’t we sell the prep that we give people before they get the colonoscopy?” So we got licensing around pharmacy, and then we said, “Well, what about anesthesia? What about pathology?” And so on and so on. So when I went to New York City and I ran a dermatology group, we built a path lab for the derms. When I came here to the orthopedic group, we had PT locations, expanded to multiple PT locations, improved the contracts around durable medical equipment, the bracing, even added anesthesia and started our own ambulatory surgical center.  So always trying to figure out, how can you vertically integrate the business to try to capture as much as you can from the client that’s in front of you? Not only just from a money perspective, but also from an experience perspective, being able to provide it all under one roof and being able to give the patient, the customer, a great experience. You want to provide outstanding medical care. Quality medical care is kind of like a base. If you go to a doctor, you expect to get better. But what we see in healthcare a lot is that people don’t think about it.  Like, in our offices, we say, “Thank you for choosing Synergy Orthopedics.” We know patients have a choice, so we have to develop a model that allows the patient to say, “Hey, I want to go here because these guys have it all under one roof.” But more importantly, that’s typically what the hospitals have. But hospitals charge for the same thing I provide two and three times more because they have a different type of leverage with the contracts. So I always say, “Why did the duck cross the road? Oh, because they went from the hospital to the ambulatory surgical center to get a colonoscopy to save 700 bucks.” I mean, it’s literally that simple.  And I don’t think patients in general know that, but I think the doctors have a great opportunity to control the delivery system, provide a great experience for the patients, and at the same time, make some money from things that they don’t physically have to do. They can hire the physical therapist, et cetera.  Yeah. Okay, so that’s great. So what I’m hearing, the framework is: think of growth first—what’s the EBITDA you want? Then create alignment, take yourself out of the center, build systems, and build margin around your core business. So that’s wonderful. Now, step two, I’m not 100% clear on. So you said make alignment with partners, but don’t make it the goal. What do you mean by that?  Well, because particularly I’ve been involved in private equity medical groups. So with private equity, you have cash, you have leverage, so you can go and buy, buy, buy, buy. In private equity, to a degree, they want growth. But I’ve been in deals where the thesis was, for example, we’re all going to be rowing in the same direction with the same flag, same brand, and we’re going to transfer from having—there were four medical groups, so four different, distinct medical groups—and we’re putting them together under what’s called a management services organization, a management company, and basically form one larger group.  But that was never aligned because the doctors, in their head, said, “You’re acquiring me, so you’re buying this magnificent, outstanding business. Now why do you want to change my electronic medical records? Why do you want to change the way we do our, let’s say, revenue cycle management or billing? Why do you want to change our brand? Our brand’s fantastic.” Even though they were all called Dermatology blah, blah, blah, something and something. So you have to make sure that the people that you’re going to bring on board, whether it’s through acquisition, merger, or just employment, that they really believe in your story, that they believe in the core vision of the business.  Not just try to put people in there and make more deals, get more locations, spend more years, and then you put all these things together and you bolt them up, but you spend more time trying to fix it. In my Gastro Health and in the ortho business, we always started with, “Let’s make sure we have our house in order before we go out and start growing the organization and adding more to what we have.” The last thing you want to do is add more and then find out that you have to spend more time fixing it.  No, that makes sense. But then you qualified it. You said, “Don’t make it the goal. Don’t make alignment the goal.” So how does it become the goal? What’s the risk there?  So no, make it the gate, not the goal. Meaning, alignment is extremely important, but you want the alignment to be the one thing that puts you together. But at the end, everybody has to be buying into the idea. It’s not the only goal. Their goal is also money. The goal is growth. But it has to be one of the key things. In healthcare, I tend to think, and particularly with private equity, that’s not perceived. It’s more about getting deals done.  Yeah. They don’t care about the mission. They don’t care about the vision, the alignment.  I think they do. In their thesis, they do, and they want it. But it’s kind of like, at the end, you’re looking at this business. They want to sell, you want to buy, you have money, they want money, and sometimes it’s just easier to say, “Well, we can grow from $30 million to $60 million, from $10 million of EBITDA to $20 million of EBITDA. We’re going to get, instead of a 10 multiple, we’re going to get a 15 multiple.”  So sometimes that gets in the way. And I would say, by the way, I worked with great and fantastic private equity firms, so I’m not saying they all think that way. But for sure, the perception is that they’re going to go in and try to make deals happen because they do have an end goal. Their end goal is to their investors that gave them funds, that they told them they were going to get them a four-, five-, seven-times multiple on their investment.  So in your own business, Synergy Orthopedic Specialists, is this a private equity-funded business or is it bootstrapped?  No. No, it’s bootstrapped. The physicians, when I came on board—at that time, I started with them six years ago in 2020, and the market was really hot still, ’21, ’22, ’23, and then the interest rates went up, and then things have softened. I think also they got softened for what we’ve been discussing earlier. There’s been a lot of deals that have been done where acquisitions were done in multiple states. There’s not a lot of synergy or a lot of things that were worked out to try to make sure that the organization was working together, the multiple organizations that were acquired.  And the idea was, if we buy four million-dollar businesses, they will be, instead of an eight-times multiple, they’ll be a 10- or 12-times multiple. So I think there’s a lot of deals that are stuck in the marketplace right now, and the groups are trying to figure out how to evolve the organization after five, six, seven years from, “Hey, we let you alone. We let you be. But now we need to start integrating. Now we have to start building an enterprise. Now we have to start building a real platform.” And I think that the organizations that did that earlier have been able to exit and done a much better multiple and growth.  And also the key is, in these transactions where people get together, a lot of times it’s all about the fun. “Hey, we go out to dinner, and everybody’s well, and everybody’s happy, and how much money we’re going to make,” and blah, blah. But nobody really asks the tough questions, or some people do because they actually don’t want the deals to get done. But I think it comes from the buyer. The buyer needs to be very upfront with what they want to accomplish with a transaction, whether, again, a merger or an acquisition.  You want to make sure that you’re extremely transparent about what the end goal is going to be. And if the end goal is like, “Hey, I’m going to leave you alone for a year, but in a year and one day, your name’s going to change, your software’s going to change, your HR is going to change. And by that time, we’ll figure out about your staff, and we might probably cut 25% of your staff because you’re bloated, and we actually have to make you a little bit more fit and trim so you can actually be able to grow and provide better care to your patients.”  So what I’m seeing is, it’s quite impressive. You have 15 locations, you have a huge service mix. You have, compared to the number of locations and service mix, a limited number of people. So how do you maintain the Synergy standard? And how do you manage this complexity with such low—low per— It took— How many people?  Yeah, it’s—right. Yeah, I agree. It’s taken some time. Again, I wouldn’t say that it’s perfect. We’re always evolving, changing. I mean, I always say the only constant thing in healthcare is change. But it started with the company culture. When I first got here, there were four or five organizations that came together, and they were still using their old names. Synergy Orthopedics was like this little kind of byline under their business cards. It wasn’t really the brand.  And then over time, we got people in the organization rowing in the same direction, using the same flag, and over time we started to dominate the market. We started to be perceived, and we are today, the largest independent medical orthopedic group in San Diego. So when people think of MSK, we take care of the hockey team, we take care of the soccer team, we take care of professional players. The larger organizations reach out to us about developing contracts, direct contracts to provide services to them.  So that took a long time, but it started with building that company culture. And along the way, some people left. Some people just didn’t fit what we were trying to build. And it wasn’t just me. I didn’t do this by myself, of course. The reality was we built a team around what we were trying to create. Physicians, in this case, are the leaders. Physician leadership was there, and this is what they wanted as well. So I think, yes, when we’re now in other counties we’re in Riverside County, so we’re north of San Diego. We’re all the way to Palm Desert and looking to grow into Orange County and L.A. County eventually.  So the goal is also in growth, and size allows leverage and negotiation power with the different payers. And that’s very different than in other industries where you have a payer, let’s say Blue Shield or Anthem or United, that kind of controls how you’re going to provide service, how much they’re going to pay you, et cetera, et cetera. So the only way to really have any type of seat at the table is that your organization has to be large enough and a market leader and basically be something, or an organization, that they can’t say no to, that they want to have in their network. So that’s how we’ve been able to do this over the last five, six years now.  So what drives the growth? Is it the acquisitions? Is it geographic expansion? Is it payers refer business? What’s the driver?  All of it. You have to do everything. It’s like that movie, Everything Everywhere All at Once. It’s like you have to do everything. We started by first creating the brand and the company culture, expanding that brand and company culture by figuring out who having the right seats on the bus, making sure the right people that wanted to be with us were there. And then we said, “Okay, we don’t have a spine program. Let’s figure out how we recruit a spine doctor. Let’s figure out how we recruit a pain doctor.  Let’s get a foot and ankle specialist because we don’t have one. Let’s expand our sports medicine program.” So we took over a fellowship training program in San Diego that was probably going to expire, and then we took it over and continued the legacy of the physician that started it from the beginning. We’ve done some mergers. We’ve done some acquisitions. We’ve done some new locations. We’ve expanded our physical therapy footprint. We built out an ambulatory surgical center. That was a big endeavor. These things cost millions and millions of dollars. Just in construction alone, it was like $600… I think our overall investment’s somewhere around $12, $15 million, so highly leveraged. We brought in a partner, a national partner, to help us run and fund the enterprise.  We started an anesthesia division. So I would say you have to do everything, and all of it together, as time goes by, creates that vision. As long as you have the vision, like I said, the beginning thing is you have to start with the end goal. And the end goal is we want to build a business that’s independent. That’s our goal. We don’t want to be sold or be part of the hospital system. So you have to build the end goal, work through the process, grow it, and do all the things at the same time, which is extremely hard, I would say.  Yeah. This is fascinating. So you have a lot of complexity. You have a lot of locations, a lot of services, 50 providers. I mean, sometimes doctors can be cats, hard to manage them. Eagles, eagles. I always say, try to get eagles to fly in a straight line. Impossible. Yeah.  But if you had a magic wand and you could fix one thing in your business in the next 12 months, what would it be?  I will be honest, it’s expenses. Expenses can and I’ve talked about this before the pressures in the healthcare industry really are driven around expenses. We just got an increase in minimum wage in healthcare, specifically in California, where a physician practice now has to pay $23 an hour for a minimum-wage job, where minimum wage is almost half of that if you’re in any other industry. So I think everybody should make more than $23, particularly in San Diego. It’s a very expensive place to live.  But I think it’s more around the pressures that are put on the industry, but the levers are not there to increase revenue to be able to support or subsidize those expenses. So, for all intents and purposes, we’re looking at how we increase revenue by keeping expenses the same, or fixed, or a little bit higher than what they are, by augmenting with AI, like every other industry is doing. Figuring out whether it’s using AI in your MRI to be able to process the imaging faster, clearer, better, and be able to add three or four more patients a day. That profit goes straight to the bottom line.  It might be before we had people that are scribes that basically did the documentation of the history, the notes, and the medical records. Now doctors are using—well, they’ve been using voice recognition for a while—but now you’re doing ambient AI, where basically it’s listening to the conversation with the patient, of course with the patient’s approval, and being able to document all that information into the record much faster, quicker, better, and more precise. And so on. Answering the phones, being able to—when the patient gets statements, we typically send out statements every two weeks.  But when we send them, we send thousands of statements, so we get thousands of phone calls. You can’t get all those phone calls when somebody says, “I owe $50, and I don’t know why,” and being able to have an AI that tells you, “The $50 is because you had a copayment or you had a deductible, and it’s due to your insurance program with whatever the insurance is.” And they’re like, “Oh, okay.” “You want to pay that right now?” “Yes.” It sends you a text to your phone, qualifies who you are, you click on it, you put your payment information. The information goes in, the payment gets posted. Nobody got involved. AI took care of the whole process. So we’re trying to figure out how to assist the staff without having to let go. At least my intent is not to let go of people.  My intent is to try to make sure that we do the best job possible and use AI to augment the process, not to replace the staff. I get very worried, in general, about what’s going on with AI as an industry, where people are saying, “Well, I use it as my assistant. I use it as this.” Well, I started at the front desk. If there are no front desk jobs, how could I have been CEO of this multimillion-dollar organization if I didn’t get a foot in the door to begin with? So I feel very worried for my kids that are growing up. One’s studying to be a psychologist, the other one’s in marketing. How are they going to learn and grow in an industry or a business if they can’t get their foot in the door?  Yeah. That is a concern. I don’t know if we can fix it, but I’m worried about it too. So Alex, who would you like to listen to this podcast and to take action? And what kind of action should they take?  Well, I think it’s generic. I always say, I have an MBA in healthcare administration, but I could have gone and done any type of business. Like I said to you, I grew up in the retail industry. So I think it’s more around, if you’re an entrepreneur and you have talent and you’ve worked really hard at doing something, you have to figure out how to hire the right people so that they can do a job that maybe you don’t know how to do, how to scale up a business by investing in it, making sure you don’t look at your business as an ATM machine or a salary that pays you every week or every period of time, but look at it as you’re an entrepreneur, a capitalist.  You’re building an organization. You’re providing jobs for people. But at the end, the business has to give you more than your salary. There has to be equity in the enterprise, and that’s the money you’ll be able to use to maybe have leverage or to use in order to add that next location or look at what’s the next opportunity, whether you’re, again, a doctor or you’re running a retail organization that wants to have multiple locations. The key is, think of the end goal. And the end goal, not necessarily that you’re going to sell, but what is it going to be? What is the business that you want to have valued at, and how have they grown?  Look and listen to other people like yourself, Steve, and all the different things that you do in regard to building that journey of the business, and figure out how to take the next step and the next step and the next step. It doesn’t happen overnight. You don’t get from a $50 million company to a $150 million company. It took me seven years to get there. But it’s done by augmenting and adding features and adding services, but doing it very intelligently, thinking it through, not just adding it for the sake of adding it, then, like I said before, having to bolt it on and try to fix more of the problems, creating more problems.  No. Fix your house, figure out where you’re at, make sure it’s earning equity. Maybe you have to reprice. Maybe you have to figure out how the business needs to run a little bit nimbler. Maybe you have to use technology, whether it’s AI answering the phone because you’re the guy that—you have a pizza shop. Why do you have to have people answering? Have the AI take the order, have the AI tell people to go to the website, and so on, so you can have pizzas going out of your store every five minutes. So for sure, there are great opportunities. And if you’re a business owner, I want you to think that you can. It’s not impossible. It can be done. You don’t need an MBA. You just need to work hard and think it through and come up with a business plan and an idea on how you want to get there.  Yeah. Well, this is very inspiring. So if you are a founder, you’re running a business, or you’re about to start a business, look at what Alex has done. He was a son of Cuban immigrants, came to this country, built from nothing a 15-location, 50-provider medical group, and works with private equity, advises companies as well. Follow his example.  So Alex Fernandez, thank you for sharing your wisdom on the show. And if you’re listening and you enjoyed this conversation, stay tuned because I have a couple of exciting entrepreneurs every week who come on the show and share their secrets and frameworks with you. So thanks for coming, Alex, and thank you for listening. Important Links: Alex's LinkedIn Alex's website

On this week's episode of WeeklyTrek, TrekCore's news podcast, host Alex Perry is joined by  Peter Hong to discuss all the latest Star Trek news. This week, Alex and his guest discuss the following stories from around the web: TrekMovie: Paramount Exec Touts "Next Iteration" Of Star Trek TV: "It's Imperative" (14:25) Variety: How 'Star Trek: Strange New Worlds' Pulled Off That Madcap Puppet Episode (22:33) TV Insider: 'Star Trek': Holly Hunter Teases 'Starfleet Academy' Season 2 After Cancellation (32:59) TrekMovie: Interview: 'Star Trek' Comic Writer On Carrying Legacy Of Captain Seven And Paying Off Big 'Picard' Thread (39:13) In addition, stick around to hear Peter wonder whether the modern Star Trek shows will be looked on more favorably in 25 years like Enterprise is now, and Alex reflect on some of the criticism of this week's episode of Strange New Worlds, "Level Five Transporter Accident." *** Do you have a wish or theory you'd like to share on the show? Tweet to Alex at @WeeklyTrek, or email us with your thoughts about wishes, theories, or anything else about the latest in Star Trek news!

Cet été, nous vous proposons de (re)découvrir quelques épisodes marquants de ces derniers mois. Nous vous donnons rendez-vous à la rentrée pour des épisodes inédits !Nous sommes aujourd'hui avec Bruno Doucet, chef et restaurateur à la tête de plusieurs établissements parisiens, dont la mythique Régalade. En 30 ans de carrière, il s'est progressivement imposé comme une figure incontournable de la bistronomie parisienne. Pour co-animer cet épisode de Business of Bouffe, Philibert est accompagné de Samir Ouriaghli.À travers cet épisode, nous cherchons à comprendre comment Bruno Doucet s'est approprié des restaurants existants et les a fait évoluer, en y apportant sa vision de la cuisine et en construisant progressivement son propre modèle.Pour cela, Bruno revient sur ses débuts et sur ce qui a façonné son rapport au métier. Il évoque son entrée précoce dans le monde du travail, l'apprentissage exigeant de la cuisine et l'importance de ses origines. La chasse, notamment, occupe une place particulière dans son parcours et dans sa manière d'aborder la cuisine et le terroir. Ces éléments nourrissent une approche très concrète du métier, centrée sur le produit et le geste.Il nous raconte ensuite sa première expérience entrepreneuriale. Puis on évoque évidemment la reprise de La Régalade, l'institution de la bistronomie parisienne, qu'il rachète à Yves Camdeborde en 2004. Bruno nous livre ici avec beaucoup de détails et de sincérité les coulisses de ce grand défi qu'il relève avec brio… et humilité. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Deb Cohen is an award winning investigative journalist and correspondent who trained as a physician and has worked with the BBC and BMJ. She just published BAD INFLUENCE, a book which takes us deep into the wellness-industrial complex—the confluence of the supplement, testing, tech, and pharma industries, and how they sell health anxiety to healthy people. Here are some of the points we discussed:—The big market in healthy, well people. Tests, wearables, imaging, supplements, etc—Algorithms feed the health anxiety in an amplifying, vicious loop on the social media platforms. When the algorithm knows you better than you.—The special qualities of influencers, likable, relatable, vulnerable, appearance as friends, certainty, cultivating parasocial relationships. “I understand you, I see you, I hear you.” Often with financial conflicts of interest. Plus hidden financial benefits. —The inverted pyramid of evidence and displacement of trust. Anecdotes believed and accepted as best evidence instead of rigorous randomized trials. A big flip, doctors losing trust to influencers and the sponsors of influencers. —The Nocebo effect of harm through expectations—The epidemic of neurologic tics during the pandemic traced back to TikTok, a viral contagion with 5.8 billion views (Figure made with Notebook LM)—Potential for regulation of patient/consumers/prosumer influencers —Celebrity influencers and the recent NEJM paper—Many ideas for how we can mitigate this mess (Graphic by Notebook LM)—Many illuminating patient examples: Femtech, silicon breast implant illness (BII), beta blocker experiment, a bogus bioresonance of hair test in a woman with GI symptoms, full-body MRI of brain lesions (transmitted to the patient by an automated message) that were a false positive.—The term “wellness”—Concierge physiciansThank you jojofinance, Vote Against Billionaires, Gretchen Faucett, Mary Powers, Jessica Coffman, and hundreds of others for tuning into my live video with Bad Influence! Join me for my next live video in the app.Ground Truths has subscribers from every US state and 214 countries. There are over 302,000 followers of Ground Truths so nearly 90,000 folks who can easily convert to be free subscribers. Your subscription to these free essays and podcasts makes my work in putting them together worthwhile. If you're not a subscriber, please join!If you found this interesting PLEASE share it!A couple of other things to note:—Thanks to the voluntary paid subscribers who support our summer internship program for high school, college, and grad school students. On August 6th, we had a poster session with our SRTI summer interns (pictured below) which was an extraordinary event with about 100 posters!—I hit a publication milestone that I had not ever envisioned. More than 400,000 citations with an h-index of 259, as tallied by Google Scholar Thanks to all for your support of Ground Truths. Get full access to Ground Truths at erictopol.substack.com/subscribe

Jordi Visser is a veteran macro investor with 30+ years of experience and the author of the VisserLabs Substack. In this conversation, we break down bitcoin's explosive weekly surge and why this "sigma move" signals a real bull market. We also discuss the collision of AI and crypto, why bitcoin is the purest AI trade, Stripe and Ramp's battle to control AI model routers, and how to think about sizing bitcoin in your portfolio.=======================Arch Public is an agentic trading platform that automates investment strategies across Stocks, Commodities, ETFs and Crypto. Whether you're rotating into AI & Gold, allocating to the S&P 500, or accumulating Bitcoin, Arch Public executes your plan 24/7 without ever taking custody of your assets or funds. Sign up today at https://www.archpublic.com, and start your FREE automated trading strategy! =======================Figure's $160k Community Appreciation (https://www.figure.com/crypto-community-appreciation/T&Cs (https://www.figure.com/crypto-community-appreciation/disclosures/) Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms, 8.91% interest rates, and no prepayment penalties. Or check out Democratized Prime (https://figuremarkets.co/pomp) and earn ~8.5% APY on real world assets. Unlock your crypto's potential today at Figure! https://figuremarkets.co/pomp Figure Lending LLC dba Figure (NMLS 1717824). Loans subject to approval. Crypto collateral may be liquidated. Terms apply - see full disclosures at http://figure.com/disclosures/=======================For a limited time, our listeners get 50% off FOR LIFE, Free Shipping, AND 3 Free Gifts at Mars Men at https://www.Mengotomars.com.=======================0:00 - Intro1:02 - Bitcoin's weekly surge & the "sigma week" behind it5:38 - The bitcoin vibe shift & intersection with AI 15:26 - Is multiple compression a warning sign for the market?19:03 - How much bitcoin should be in your portfolio?23:27 - Moderna, AI & the future of biotech29:20 - Stripe's OpenRouter deal & the fight for AI model routers34:13 - Are model routers a threat to Anthropic and OpenAI?44:00 - Why people fear data centers more than nuclear plants54:46 - Jordi's bitcoin call to arms 

Andy joins this episode to share a string of unexplained encounters that began during a lonely college summer and escalated into a terrifying overnight shift as a hotel night auditor. From an invisible force that knocked him off his feet outside a rural trailer to a hooded, faceless figure caught twice on hotel security cameras, Andy walks through the physical evidence, the missing security footage, and the aftermath that left him questioning what actually happened that night.This episode is presented by Codega's Codex of Curiosities, a weekly podcast exploring paranormal encounters, UAP phenomena, cryptid sightings, and high-strangeness stories from guests across the world. Find more episodes and join the community at the links below.Topics Discussed:A summer spent alone in a rural trailer, where unexplained scratches and hives began appearing overnightBeing knocked to the ground by an invisible force while running through an open field with no trees or obstacles nearbyA hooded, faceless silhouette caught twice on hotel security cameras in an empty third-floor vending areaA foul-smelling puddle that appeared and reappeared in the exact same spot, with no clear sourceAn elevator that opened on its own, with the same unsettling presence apparently passing directly by himMissing footage and a workplace dispute over security camera evidence from the night of the incidentBecome a supporter of this podcast: https://www.spreaker.com/podcast/cult-of-conspiracy--5700337/support.

Why Community Is the New Competitive Advantage for 7-Figure Founders feat. Jayson Gaignard In a world being transformed by AI, information is everywhere—but keeping up with the pace of change is becoming increasingly difficult. As entrepreneurs narrow their areas of expertise, the ability to surround yourself with people who have different experiences, perspectives, and knowledge is becoming more valuable than ever. In this episode of Beyond 7 Figures, Charles Gaudet sits down with longtime friend Jayson Gaignard, founder of MMT and author of Community Made, to explore why community may be one of the greatest competitive advantages for entrepreneurs in the years ahead. Jayson shares how he built MMT around intentional curation rather than scale, why the community is capped at 150 members, and how creating a space where high-achieving entrepreneurs can remove the mask and be vulnerable creates relationships that compound over time. Charles and Jayson also explore why the right peer group can accelerate your growth, why "How can I help you?" may be the wrong question to ask, and how to make the people around you genuinely feel seen. KEY TAKEAWAYS: Why community is becoming more valuable in the age of AI: As technology accelerates, surrounding yourself with people who have different experiences and expertise is more valuable than ever. Why your peer group can determine your future: Jayson explains why proximity is power and why building an eight-figure company requires eight-figure relationships, teams, and systems. The difference between networking and true community: Learn why performance-based networking differs from a community where people can be vulnerable and build deeper relationships. Why curation matters more than scale: Jayson explains why MMT is capped at 150 members and how carefully selecting the right people creates a stronger community. Why who you don't let into your community may matter more than who you do: Discover why protecting a community's culture is one of a leader's most important responsibilities. How vulnerability creates deeper relationships: Learn why creating a safe environment for people to share their real struggles can lead to extraordinary connections and opportunities. Why relationships compound over time: Jayson explains how investing in relationships year after year creates deeper connections and lasting value. Why "How can I help you?" may be the wrong question: Instead of putting the responsibility on someone else, learn how to understand their challenges and proactively offer something meaningful. The six ways to invest in relationships: Jayson shares six ways to make people feel seen, including resources, gratitude, check-ins, investing in someone's inner circle, and thoughtful gifts. How to make people feel genuinely seen: Learn how listening closely, remembering what matters, and following up can transform relationships. Why community can be a competitive advantage for businesses: Discover why building communities around customers and creating meaningful in-person experiences is becoming increasingly valuable. The biggest lesson for going beyond seven figures: Jayson explains why surrounding yourself with people who are one or two steps ahead can help you reach the next level. RESOURCES MENTIONED: Community Made by Jayson Gaignard: Jayson's book about building meaningful relationships and community. MMT: Learn more about Jayson's highly curated entrepreneurial community at mmt.community. Follow Charles Gaudet and Predictable Profits: Facebook Instagram LinkedIn Growing a business is hard, but it doesn't have to be. The Beyond 7 Figures podcast explores the strategies, systems, and mindset shifts that help entrepreneurs build companies that are more predictable, scalable, and profitable. Make sure to rate, review, and subscribe on your favorite podcast platform so you never miss an episode packed with proven strategies for building, scaling, and profiting beyond seven figures.

On a postgame edition of Mike Drop, Mike Asti rants about Steelers fans overreacting to preseason games and argues why Mike McCarthy's plans at quarterback are easy to figure out...and the only logical way to proceed. Featured image credit: Ed Thompson / Steelers Now Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Our brains need workouts. Short puzzles and riddles are the perfect way to train your brain and keep your mind nimble and young. And of course, they can also be very satisfying to answer correctly. Whether at home or on the move, these brain teasers can help you to think outside the box as they push your mind to figure them out. We all inherently have lateral thinking skills, but we don't always put them to practice. Solving riddles may help us become more creative! Learn more about your ad choices. Visit megaphone.fm/adchoices

Greg Roeder breaks down how he turned a pickle-ball league and community events into a steady stream of high-end, referral-only business. He explains the “invisible agent” problem and shares his 3M framework: mobilize your people, make content for your dream clients, and multiply your impact through systems and support. Greg walks through how he uses niche-specific newsletters, short-form video, and authentic signature events to become the obvious choice for $1M+ buyers and sellers. Greg also reveals how redefining success beyond being “on” 24/7 helped him scale from $12M to $40M in volume without sacrificing his personal life. “Join the launch list and grab the digital version of Getting to a Million for $1″ when it’s released on September 29th! Get your copy here. If you'd prefer to watch this interview, click here to view on YouTube! Greg Roeder can be reached at greg@sellingfortcollins.com and 970.213.2095 This episode is brought to you by RealGeeks and Courted.io.

Send us Fan MailDr. Kristina Dobyns holds a PhD in Psychology and a Master's in Exercise Science, with advanced training in somatic movement therapy, nutritional therapy, metabolic health, mindfulness-based relapse prevention, mindfulness-oriented recovery enhancement, mindful eating, and more.After more than two decades of gathering and field-testing tools, she brings an unusually integrative lens to recovery — addressing metabolic health, circadian rhythm, embodied awareness, and daily habit architecture as inseparable components of lasting food freedom. In long-term recovery herself, Kristina combines personal insight, compassion, science, and... living room dance parties as part of her approach to wellness!She's also a former competitive breakdancer, multiple-time Figure and Physique Overall Champion, and three-time national powerlifting record breaker — so when she says movement is medicine, she has the receipts.Kristina is the host of the fantastic Beyond Binge Eating Podcast, and is the creator and organizer of Meat & Movement, a keto- and carnivore-inclusive yoga, movement, and wellness retreat coming to Costa Rica in early March 2027!Find Dr. Kristina Dobyns at-https://beyondbingeeating.com/https://meatandmovement.com/https://drkristinadobyns.com/Podcast- Beyond Binge EatingIG- @beyondbingeeatingFind Boundless Body at-myboundlessbody.comBook a session with us here! 

This week on Collecting Weekly, we're checking out the latest Hot Toys Knightfall Batman blogger photos from Batman: Arkham Origins! The final figure is finally getting its moment in front of the camera, giving collectors a much better look at the gold and blue armor, battle-weathering, LED features, cape, and intimidating overall design. (HLJ⁠) We'll break down the new photos, compare the final figure to the prototype, and discuss whether Hot Toys has delivered the definitive version of the Knightfall Batman suit from Arkham Origins. Is this one of Hot Toys' best video game Batman figures yet? #HotToys #KnightfallBatman #ArkhamOrigins #Batman #BatmanArkham #HotToysBatman #DCComics #BloggerPhotos #SixthScale #SixthScaleFigures #ActionFigures #CollectingWeekly #CWLive #FigureCollectors #ToyNews Keywords: Hot Toys Knightfall Batman, Knightfall Batman blogger photos, Hot Toys Arkham Origins, Batman Arkham Origins figure, Hot Toys Batman, Knightfall Batman figure, VGM74, Hot Toys VGM74, Arkham Origins Batman, Batman 1/6 scale, sixth scale Batman, Hot Toys blogger photos, Hot Toys final figure, Batman collectibles, DC collectibles, Hot Toys DC, action figure news, Collecting Weekly, sixth scale figures, Hot Toys 2026

Sorry, there's no YouTube episode today. They will be back in a couple of months!In today's episode we share 4 spooky Reddit stories.Stories:https://www.reddit.com/r/Paranormal/s/9dCRtpkHrAhttps://www.reddit.com/r/Paranormal/s/hmjGDiWZtahttps://www.reddit.com/r/Paranormal/s/FB2Lirzw1mhttps://www.reddit.com/r/Paranormal/s/0vDPYw2y43The BOOKBY US A COFFEEJoin Sarah's new FACEBOOK GROUPSubscribe to our PATREONEMAIL us your storiesFollow us on YOUTUBEJoin us on INSTAGRAMJoin us on TWITTERJoin us on FACEBOOKVisit our WEBSITEThanks so much for listening, and we'll catch up with you again on Sunday!Sarah and Rog xx"Spacial Winds" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 Licensehttp://creativecommons.org/licenses/by/4.0/SURVEY Hosted on Acast. See acast.com/privacy for more information.

Starting Lineup How did the local coaches stack up against other coaches Misc

What if the reason people aren't buying, engaging, staying, or following your lead isn't because they need another motivational poster about "teamwork"? It might be because you have no idea what actually matters to them. In this episode, Erin sits down with David Allison, founder of the Valuegraphics Research Company and author of The Values Map, to talk about why demographics, generic corporate values, and a bunch of buzzwords slapped on an office wall don't tell us nearly as much as we think they do. David shares how understanding what matters most to people can make you a better leader, marketer, salesperson, and overall human trying to get other humans to do things. They also dig into how to uncover someone's real values without creepily asking, "So...what are your deepest values?" and why values alignment might explain why certain jobs, people, opportunities, and even parties just click while others make you want to fake a babysitter emergency and leave. In this episode, you'll hear: Why corporate values often become expensive wallpaper and what actually motivates employees Three questions that reveal what matters most to someone without turning the conversation into a therapy session How to use curiosity and the "Third Why" to get past surface-level small talk Why understanding someone's values can make selling, leading, and influencing a whole lot easier How David realized the traditional definition of success was basically a lie for him and why building your work around what matters most can make it suck significantly less Resources Mentioned in the Episode: Check out David's Website: www.davidallisoninc.com Learn more about Value Graphics: www.valuegraphics.com Pre-order David's book, "The Values Map: Discover What Drives You and How to Move Others" Follow David on LinkedIn at davidallisoninc/ Book Erin to speak Ready to modernize your culture, liberate your leadership, and differentiate your business without sounding like every other company on LinkedIn? Bring Erin Hatzikostas in to show your team how authenticity can become an actual strategic advantage, not just another corporate buzzword. Book Erin to Speak If you'd like quick tangible tips and practical corporate career advice to level up your authentic leadership, download the 10 simple "plays" to stop selling out and start standing out at https://bauthenticinc.mykajabi.com/freebie If you like jammin' with us on the podcast, b sure to join us for more fun and inspiration! Follow Erin on LinkedIn or Instagram Take our simple, fun and insightful "What's your workplace superhero name?" quiz Unleash your Authentic Superpower with Erin's book, You Do You-ish Throw out half the playbook and start competing in a league of your own. Check out Erin's book, The 50% Rule. Work with Us Or just buy some fun, authentic, kick-ars merch here To connect with Erin and/or Nicole, email: hello@bauthenticinc.com DISCLAIMER: This episode is not explicit, though contains mild swearing that may be unsuitable for younger audiences. Tweetable Comments "What matters most to us drives everything we do." "Your corporate values are not the human values of the people who are showing up at your corporation." "Authenticity is, I'm gonna say, not a value, it's the end result of values alignment." "It was, 10 years of living a lie that I didn't know was a lie, because I'd only been taught that this was the truth." Podcast Transcript Erin Hatzikostas sits down with David Allison, founder of the Valuegraphics Research Company, to explore what really motivates people at work. They unpack the difference between corporate values and human values, how leaders and salespeople can discover what matters most to someone, why values alignment influences engagement and decision-making, and how understanding your own values can help you build a career that actually fits. Why "Values" Might Be the Wrong Word Erin: What's the biggest misconception you get when people call you the values guy or talk about the research you do around values? David: One of the biggest confusions is just the word values. We're all used to sitting in boardrooms talking about mission, vision, values. The CEO sends out the annual note saying they've finally figured out the corporate values, and usually they're the same as everybody else's corporate values. They go up on the wall behind the receptionist, everybody's happy, and then they're forgotten about 24 hours later. We also run around talking about what we think our values are. Politicians tell us what our values are. So I actually don't love using the word anymore. What works better is asking: What matters most? What matters most to you? What matters most to your customers? What matters most to your employees? That gets much closer to the kind of values I'm researching. Erin: And it feels more distinctive too. Instead of asking somebody for five or ten values, you can start with one or two things that really matter. David: Exactly. Through our research, we've identified 56 values. And the interesting thing is that you can't simply ask people what their values are, because they'll either intentionally or unintentionally tell you what they want their values to be, or what they want you to think their values are. Instead, you ask about behavior. What do you do all day? How do you feel about this thing? What does this topic mean to you? When you listen to what people are actually doing and start mapping their behaviors, you can work backward and understand what matters most to them. What Hockey Can Tell You About Someone's Values David: I'm Canadian, so let's use hockey. If somebody says they're a hockey fan, don't just stop there. Ask how often they go to games. Do they watch at home? Who do they watch with? Friends? Family? Do they take clients to games? Do they own a jersey? If their team gets eliminated, will they cheer for another team or stop watching completely? You're asking them about something they're excited to talk about. But underneath their answers, you're hearing their values. If they refuse to cheer for another team, maybe loyalty matters a lot to them. If every hockey experience involves their friends but never their family, that tells you something about the relative importance of friendship and family in that context. You listen to what people do, and from there you start to see what matters most. Erin: That's the legit researcher part. You're discerning the thing without actually asking them the thing. The Pink Van: Why Assumptions About People Get Us in Trouble Erin: Let's make this practical. Our listeners might be in sales, leadership, or running businesses. How does this help somebody market better, sell more, or become a better leader? David: I'll give you an example from our research. I was preparing for a keynote for a group of employers in the blue-collar trades. They were dealing with a major talent shortage and wanted to understand how to get more people interested in joining the trades. Our research found that people considering careers in the trades dramatically over-indexed around a value called service to others. They wanted to know they were doing something that helped people and made a difference. The employers were already talking about things like earning more money, getting out of shift work, and avoiding the cost of college. Those are logical benefits. But they weren't saying, "This is your chance to be in a helping profession." After my keynote, a business owner came up to me. He had seven offices across the Southern United States with fleets of service vans. In each fleet, one van was painted pink, and all of the money earned by that van went toward breast cancer research because of a personal story involving his wife. I thought that was the story. He said, "No. The real story is that every day my guys fight over who gets to be in the pink van." Erin: Wow. David: Think about that. If you were marketing to people in the trades based on stereotypes, would you ever have gotten to pink vans? Probably not. You'd be talking about football, tailgates, country music, or whatever other assumptions you had about the audience. But the answer was pink vans. There's almost always a pink van in the research. Something that makes you say, "We never would have guessed that, but now it makes complete sense." When you understand what matters most to people, you can use it to market, motivate, inspire, build policies, engage employees, and make strategic decisions. Three Questions That Reveal What Matters Most Erin: What about people who can't hire your company to conduct a big research study? What questions could they ask employees or clients to get closer to this information themselves? David: We have three questions we call the three telltale questions. We've tested versions of them with people around the world. The important part is that you don't ask one person once and assume you've figured everything out. Ask a lot of people and listen for patterns. Those patterns are the signals in the noise. That's where the values start bubbling to the surface. David: The first question is: Why do you go to work? Someone might immediately say, "To pay my bills." Fine. Ask why else. Maybe their friends are there. Maybe work is their creative outlet. Maybe they feel like they're making a difference. Maybe it's where they feel useful. They're telling you why they choose to spend such a huge portion of their life doing this thing. The second question is: Why would you give away half of your lottery winnings? If someone says they wouldn't, tell them to imagine they won a lottery where giving away half was required. Then ask where they'd give it and why. That's a major behavioral decision. The "why" behind it is usually a value talking. The third question is: If you could send one message to yourself 10 years ago, what would it be? Listen to whether they talk about family, friendship, work, stress, money, kids, health, or something else. Whatever comes up tells you something about what matters most to them. Erin: That's really good. The Values Corporate America Often Misses Erin: Is there a value corporations tend to underestimate? Something that leaders might not put in their top five, but your research shows matters a lot? David: Every workforce is different, so I wouldn't prescribe one value to every company. But there is a cluster that appears again and again. Of the 56 values we've identified, five show up constantly across different industries and groups. We call them the togetherness values: belonging, family, friendship, relationships, and community. Those aren't interchangeable. Belonging is different from community. Community is different from relationships. Companies tend to lump them all together, but you need to understand which one actually matters to your people. The broader point is that humans want some form of connection. So look at your employee research, surveys, hallway conversations, and everything else you already know about your workforce. Which form of togetherness seems to matter most? Then lean into it. David: Because here's the secret to everything: What matters most to us drives everything we do. If you want people to be more engaged, stop quitting, or actually care about the work they're doing, you have to give them more of what matters most. Your Corporate Values Are Not Your Employees' Human Values David: One of the biggest mistakes corporations make is spending two years and millions of dollars figuring out their corporate values and then wondering why employees aren't behaving according to them. Your corporate values are not the human values of the people who are showing up at your corporation. You've only done half the job. The company might decide creativity is one of its core values. Great. But suppose personal growth is one of the strongest human values among your employees. Now you need to connect the dots. Show employees how being creative at work helps them grow as people. Explain why the behavior you're asking for gives them more of something that already matters deeply to them. If you don't make that connection, they'll look at "creativity" written on the wall and think, "Okay, whatever. That doesn't matter to me." Corporate values might actually be better described as guiding principles or a list of ways the organization wants people to behave. Stop Turning Values Into Expensive Wallpaper Erin: You just hit one of my hot spots. It's not enough to say you're a "family-first organization." Tell people what that actually means. Maybe it means you're not expecting someone to answer emails from the soccer field. Maybe leaders who have ideas over the weekend schedule the email to go out Monday instead of firing it off immediately. Specificity is what makes those values feel real. Even something like safety can be communicated in a more human way. Instead of just saying, "We believe in OSHA adherence," explain that you want people to leave work safely and go home to grill burgers with their family that night. It's not just about the value. It's about how you talk about it and how you put it into action. I recently talked to a company whose mantra was "grit and gratitude." I loved that because it's only two things, it's memorable, and there's a little juxtaposition between them. Companies sometimes think more is better. Maybe you're better off choosing one or two things and going deeper. David: I like grit and gratitude because it doesn't sound like everybody else. Under those two ideas, you can still have many different behaviors and principles. But at least there's something distinctive to connect to. How Understanding Values Tripled a Fundraising Target Erin: What's one example where an organization used your research and made a change that had a really profound impact? David: We worked with a hospital foundation in Canada that wanted to attract more high-net-worth donors and increase the size of their gifts. We profiled people in the community who had previously donated to health-related causes but had never donated to this particular foundation. An interesting pattern emerged. Many of the prospective donors were women who had recently been widowed and, for the first time in their lives, were making major financial decisions independently. Our research showed how important that newfound independence and agency were to them. So the foundation changed its approach. Instead of saying, "Here's where your money is going," they said, essentially, "Your gift could help us in several different ways. Which area would you like your money to support?" They sat down with donors and let them decide what mattered to them. By giving those women agency over the decision, the foundation tripled its fundraising target. Erin: Wow. David: They framed their strategy, marketing, and messaging around what mattered most to those people. The decision suddenly became an easy yes because the organization wasn't just asking for money. It was giving people an opportunity to act on something they deeply valued. What Values Alignment Feels Like Erin: I think about this in my own life too. When I was evaluating financial advisors, it was amazing how few people seemed interested in understanding what mattered to me. For me, I wanted someone I could actually connect with and have real conversations with. Not a bunch of BS. If somebody had simply asked me what was most important to me, I would have basically handed them the answer to how to sell to me. David: And here's what's interesting about those situations. When you find a person, product, job, or situation that genuinely aligns with what matters most to you, you often notice the absence of things. You're not second-guessing yourself. You're not lying awake at night running the pros and cons through your head. You're not constantly trying to convince yourself to make the relationship work. It just works. Erin: It clicks into place like a Lego. David: Exactly. Think about parties. There are parties where you walk in and immediately think, "Nope. How quickly can we leave?" And then there are parties where you want to stay all night. You may not be able to explain exactly why. Maybe it's the people, the music, the room, the energy, or some combination of all of it. But something about that environment aligns with what matters to you. Is Authenticity a Value? Erin: This is where your work and mine dovetail. People are craving something they can connect to, whether it's a salesperson, a leader, or a company. Wallpaper corporate values aren't enough. You need specificity, examples, and authenticity. Give people something they can plug into so they can determine whether it aligns with them. And it's actually better if someone can clearly say, "No, this doesn't align with me," than to give them nothing but vanilla and leave them thinking, "I don't know." David: You said earlier that authenticity might be the 57th value. I'm going to reframe that. Authenticity is, I'm gonna say, not a value, it's the end result of values alignment. If you're living authentically, you're living according to what matters most to you. Erin: I think authenticity might also be part of how you uncover the values in the first place. It's the stories, uncommon language, specificity, and willingness to actually expose who you are that allow people to feel what those values really mean. David: I think we're talking about the same thing from different layers. You're looking at the umbrella. I'm down in the weeds. The Question That Changed a High-Stakes Negotiation Erin: I have a story about the phrase "what matters most." When I became interim CEO, I had to renegotiate our largest contract. The vendor wanted more money, and giving it to them could have made an already difficult financial situation much worse. It was high stakes, and I'm not exactly known for being a giant planner. Early in the first conversation, I asked the executive, "What matters most to you in this negotiation?" He wasn't expecting the question, so he answered honestly. His company expected to pursue an IPO, and long-term contracts were incredibly important because investors would want confidence that major clients weren't about to leave. Suddenly, I understood that this negotiation wasn't only about price. A long-term agreement mattered tremendously to him. Switching vendors would have been incredibly difficult for us anyway, so I was perfectly comfortable discussing a long-term contract. That one question completely changed what I understood about the negotiation. David: "What matters most to you about this situation?" or "What matters most to you about this outcome?" are fantastic questions in sales and negotiations. But you can also learn a lot by simply paying attention and being curious. How to Discover Someone's Values Through Small Talk David: Let's use you as an example. There's a photo behind you. What's it a picture of? Erin: My family. My husband and my two children. David: And I can see books behind you. What's one of the most recent books you added? Erin: Probably Fans First by Jesse Cole from the Savannah Bananas. David: Are you a baseball fan? Erin: Not specifically. I'm a big sports fan, though. David: Where did that come from? Erin: My grandmother. She passed away when she was 62, so I was only 11. But I remember sitting in her living room with her. She was about 4'11", sitting in a green leather chair beside the dialysis machine she used at home, smoking a cigarette with a police scanner nearby. She lived in a town of about 800 people, so I'm not sure how much exciting police activity there was to scan. And she always had sports on. She didn't just watch sports. She participated. She yelled at the TV. She was spicy. She absolutely hated Notre Dame, so I still hate Notre Dame today basically as an ode to her. For a woman of her generation, being that passionate about sports was unusual. And I think that's where I got it. The other reason I still love sports is the authenticity of it. Nobody knows what's going to happen. It's not scripted. I love the energy and unpredictability. I also love the lack of commitment. I can watch and leave whenever I want. David: That little conversation already gave me several clues. Family is important to you. Creativity is clearly there. I hear some tradition in the way you talk about carrying your grandmother's influence forward. Experiences are important to you. The way you described sitting in that room with your grandmother is incredibly vivid. And when you said you like being able to leave whenever you want, independence came roaring to the forefront. Erin: One thousand percent. And what's interesting is that most people stop too soon. They see the family photo and ask, "Are those your kids?" Or they notice something from Michigan and ask, "Are you from Michigan?" But then they stop. To uncover what matters to someone, you have to be genuinely curious enough to ask the next question. The Third Why David: There's a technique I call The Third Why. You might ask somebody why they chose to have a family photo taken at a particular place. They'll give you an answer. Then you ask why that mattered. And then you go one level deeper again. Three whys down is often where people start telling you about a value. The first answer is usually surface level. The second starts getting somewhere. By the third, you're getting closer to what is actually driving the decision. Erin: That's the key. You can't necessarily plan all of those questions ahead of time. You have to actually listen and be curious enough to follow where the answer goes. When the Traditional Definition of Success Stops Working Erin: We ask everyone for a "buck that" story, meaning a time when you bucked the norm, stopped following the expected path, and did something different. What's yours? David: Quitting the big company and going out on my own. That was scary. I remember the first days working from home, finding all kinds of ways to stall. Making sure the pencils were in exactly the right place. Rearranging things. Eventually you realize there's nothing left to organize. You actually have to do the work. But as we've been talking about, I have an independence streak a mile wide. I once told my coach I couldn't understand why I wasn't getting anything done even though I had deadlines everywhere. He asked if I'd blocked the work on my calendar. I said yes. He asked, "So why aren't you doing what's on your calendar?" And I realized: because I don't want my calendar telling me what to do. Erin: Because you told yourself to do it, and now yourself can't tell you what to do. David: Exactly. My calendar is bossing me around, and I'm resisting my own calendar. That independence was one of the values pushing me toward working for myself. The Day David Couldn't Get on the Elevator Erin: Was there traditional career advice you followed for a while and eventually realized wasn't right for you? David: Keep your job. Why would you work for yourself and rely on your own ability to earn a living when you could get a steady paycheck every two weeks? I grew up at a time when the path to success seemed much narrower. It felt like the goal was to become the CEO of Coca-Cola. Erin: Or become a consultant to the CEO of Coca-Cola. Those were basically the two business models we knew. David: Exactly. The world told me I was supposed to run as fast as possible up the corporate ladder. Learn to love the suits and ties. Play the politics. Run a board. Eventually I realized it wasn't working for me. I actually had a breakdown. I was working for a big company and one morning I was standing in the elevator lobby waiting to go upstairs. I couldn't get on the elevator. It felt like there was a physical barrier in front of me. I could not make myself get on that elevator and go face everything waiting upstairs. So I turned around, went home, and called in to say, "I don't think I'm coming back." It took me almost a year to recover from that and start building what I needed to build on my own. David: It was 10 years of living a lie that I didn't know was a lie, because I'd only been taught that this was the truth. When I finally figured out it wasn't the truth, at least not for me, it was like being slapped across the face. That's something I try to pass along now. Whatever the internet tells you, Instagram tells you, your parents tell you, or society tells you is the path to success is only useful if it's actually your path to success. Figure out what matters most to you. Figure out your values. Then craft your version of life and run in that direction. Erin: And the experience you went through is part of what allows you to give that lesson to somebody else now. David Allison's Advice for Making Work Suck Less Erin: What's your final piece of advice for making work suck less? David: Find ways to make your work more about what matters to you. Volunteer for that project. Take the extra assignment that aligns with you. When you can, move away from the work that doesn't. Even if you're working inside a set of constraints and don't have much flexibility, almost everybody has some ability to maneuver. You can choose what you're going to lean into and what you're not. Make your work more about what matters most to you, and you'll be happier.

Keith breaks down why global crises, geopolitical shocks, and nonstop "doom" headlines haven't stopped stocks and real estate from reaching near all-time highs, and what that means for investors focused on inflation-resistant assets.  He also discusses Memphis as a surprising cash-flow market poised to benefit from the AI boom, sharing details on an upcoming webinar with Mid South Homebuyers.  Keith is joined by real estate investor and educator Jared Garfield to unpack the "Seven-Figure Solution," a strategy that combines cash-flowing rentals with tax-advantaged life insurance to create liquidity, reduce risk, and support long-term retirement income.  Together, they explore how disciplined portfolio growth, smart leverage, and coordinated tax planning can help real estate investors better align their assets with their long-term financial goals. Episode Page: GetRichEducation.com/619 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:02   Welcome to GRE. I'm your host Keith Weinhold. The world is about to end again. It's the economic disaster that never arrives. I'll break it down. Then you've been earning money and investing well all these years. How does it all go together? It can culminate in the seven-figure solution, it's about seeing your future today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. And September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before, we're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:39   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:55   Welcome to GRE from Kankakee, Illinois, to Cherokee, Iowa, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Recid Education, and the world is about to end. Even if you survive, your portfolio surely won't. Oh, jeez. At least that's the impression you get from mass media and what I'll call the Doom Scroll Industrial Complex. Fear creates urgency. Urgency attracts eyeballs. Eyeballs attract ad dollars. And I guess that using a slogan like "everything will probably be fine" well, that's never been a great ratings strategy. Now, can what has happened since 2020. Just this cheery little sequence: COVID, then Ukraine, Israel, Gaza, tariffs, and then the war in Iran. All that just since 2020. I mean, that right there sounds less like an economic timeline and more like a movie plot, or that the world is repeatedly spinning the wheel of misfortune. Yet after all of that, what is the result? Both stocks and residential real estate are near all-time highs. Apparently, the apocalypse has been postponed yet again-at least economically speaking. Now let's zoom out and break down these threats and a few more, all just since 2020, because 2020 is the year where, of course, you had the COVID-19 pandemic, economic shutdowns, the fastest major stock bear market in history, supply chain breakdown. You saw empty shelves, and there was unprecedented government intervention from the Paycheck Protection Program to stimulus checks to mortgage loan forbearance. Then, in 2021 and 2022, you had post-COVID inflation and supply shortages. Now, this was more of a result, not strictly geopolitical, but a major investment threat, and that led to aggressive interest rate hikes. From 2022 to the present, you have Russia's invasion of Ukraine, energy and food shocks came from that, sanctions, instability over in Europe, and really a heightened nuclear risk in 2023. You had the U.S. regional banking crisis. Remember SVB, yes, Silicon Valley Bank, Signature Bank, First Republic. They raised fears of a financial contagion that would spread like fat. Than a secret in a small town, it actually made me buy some gold. From 2023 to the present, you had the Israel-Hamas war and this broad Middle East instability, Hezbollah attacks, Houthi attacks, Red Sea shipping disruptions. It's almost like a geopolitical group project. And then from 2025 to the present, you have renewed U.S. tariffs and a global trade war, and this year you have the U.S.-Israeli war with Iran and the Strait of Hormuz disruption. That is the biggest current geopolitical investment threat because it combines all of these things: war, oil disruption, inflation, higher interest rates, and a recession risk. So it's a lot like this particularly unpleasant smoothie that's been blended together.   Keith Weinhold  5:55   All right. Well, all of that-that is just an absurd amount of uncertainty and disruption only since 2020, and though major markets are at all-time highs in the face of this, let's acknowledge that some were hurt here, like apartment building owners vulnerable to interest rate resets, and certain commercial sectors like office. Even worse, let's be sensitive to the fact that COVID in wars have resulted in a real loss of life. GRE's enduring strategy of primarily owning long-term residential rentals with fixed-rate debt has been comparatively really resilient. In fact, these calamities-they probably made you better off from the inflation that it has spurred. More people work from home. Well, that means that they're consuming our product while higher inflation debased our debt and jacked up our property values and our rents. And you know somehow every. single generation thinks that their collection of crises is uniquely terrifying, and it is not. And what do I mean by this? Well, in the 1980s, people feared war with the Soviet Union, the Cold War. A global population explosion so bad that millions or billions of people would surely die from hunger. You had the AIDS crisis. You had a hole in the ozone layer. Well, all those things. Virtually zero investors make decisions based on that stuff: an imminent Soviet attack or mass starvation from overpopulation. There is one thing that is 100% certain here, and that is that more shocks are coming. In case you don't want to sleep well, you can get worked up over the certainty of future calamities, artificial intelligence is making cyber attacks faster and more scalable. AI has even created entirely novel viruses. A confrontation between China and Taiwan that could create risk in the semiconductor space.   Keith Weinhold  8:18   A blockade that might disrupt the world's advanced chip supply, creating more inflation and more uncertainty. Here is what's changed, though, for what investors care about. You know what has changed with today's set of calamities versus those of the 1980s and earlier, because there is something, and it's a big deal for investors. Here's what's changed: recent history shows that the government does more to intervene during disasters, stimulus checks, liquidity programs where they're printing trillions, bailouts, pushing interest rates down to almost zero, quantitative easing. How about a foreclosure moratorium? Anything you know during COVID, it was a lot of these things, and it was the CARES Act, and it was a student loan payment pause. I mean, the Federal Reserve even set up emergency credit facilities. We now know that when the economic building catches fire, policymakers they rarely stand around admiring the flames. They just flood the place with currency. So the best investors they keep prudently building real estate portfolios in the face of risk, not the absence of risk, because the latter does not exist. This incessant government intervention, whether you agree with it or not, it gives you more safety cushions the next time that things fall apart. That's why what appears risk. Is still risky, but less so. So there is more incentive to take on prudent risk than I've ever seen. You know, no politician wants America to fall apart under their watch. So increasingly, they'll just paper over the problem by printing, printing, printing, and then, therefore, the resultant inflation, the consequence of this, that can be dealt with under the next president's watch, not theirs. In fact, future calamities they almost make you want to own scarce real assets that benefit from inflation, not a hedge, a benefit. Trying to time every war, election, banking crisis, tariff announcement, virus, and Fed decision. Trying to time all of those things-that is usually ineffective. You either own more assets, or you get left behind in everything that's happened since 2020. That just underscores this. In fact, Berkshire Hathaway, the closely watched company that Warren Buffett ran for a long time, but he still has influence in.   Keith Weinhold  11:16   You know, they recently began moving out of cash and into assets, they ended their long net selling stretch. In fact, in the latest quarter ended, they've now done the most buying that they've done since early 2022. They have jumped back in the game. It appears that Berkshire Hathaway got tired of sitting on the sidelines and seeing others make gains, and they're pretty bullish on housing too. They bought a home builder. The bottom line here is that shocks are going to keep arriving, and yet productive assets and well-financed residential real estate has repeatedly survived them and just continued appreciating. Don't wait for a risk-free world because you'll wait forever. When you evaluate all these calamities, just since 2020, again, COVID, Ukraine, Israel, Gaza, tariffs, and war in Iran, and then you realize that both real estate and stocks are near all-time highs anyway, and the government keeps backstopping asset owners like never before. This is just a fresh angle on how much better off you are when you prudently own more inflation-benefiting assets sooner. I want to tell you about something called the seven-figure solution. You've been here listening to me weekly since 2014. You've been earning money. You've been investing well, and now you're going to see how it all goes together. It's about making sure that your real estate and your other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time. Now the liquidity here is key because this is where a 401(k) or IRA limit you, they have taxes and penalties if you want to use those funds early. This doesn't, but the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach Narayish uses something like this, and he is in his 30s. Let's discuss it, and then you'll see where I have an invitation for you, where you can get involved. I'd like to welcome in a guest we last had on the show a few years ago.   Keith Weinhold  13:54   He's a frequent guest on popular shows, including our friends over at the Real Estate Guys Radio Show, and this guest has also been a terrestrial radio show host himself. He's a long-time real estate educator and an active investor, just like you and I. So he speaks from experience and not a textbook. He's the creator of what we'll discuss today, called the Seven Figure Solution. Welcome back to the show, Jared Garfield.   Jared Garfield  14:21   Hey, it's great to be with you again. Thanks for having me.   Keith Weinhold  14:25   It's so good. Now you're with the Haven Bridge Group, and you help people, especially real estate investors, with what's called the seven-figure solution. Tell us about it.   Jared Garfield  14:37   it. Well, Haven Bridge, we get the name for that because people are really looking for a haven of safety, and the bridge is kind of what crosses the gaps that could kind of destroy your wealth, and it's the path to get there. So we want to take people on a path to safety, and the seven-figure solution is the idea that if you're going to be drawing out even 4% per year to not outlive your money, because people are living now. To 8590, 95 years old, and so that means you could have 35 years in retirement. And with inflation and different things like that, you really have to have a lot bigger nest egg than what most people realize. So a seven-figure solution is how to get to more than a million dollars liquid that you can draw on in a tax advantaged manner for the rest of your life, while also having living benefits. And we pull real estate in with it because we want people to have 10 or 15 or 20 rental properties by the time they retired. That they 1031 exchange regularly, so that they're always keeping tax advantages. So that even in retirement you have strong tax advantages, and ultimately we think that when you're 65 or 70, you might want to go from 30 single-family houses to 1031 exchange into one institutional asset that's a little bit less management intensive.   Keith Weinhold  15:57   Okay, so this is a tax advantage vehicle that real estate investors can use during their investing career, and those tax advantages then really convert into something that you can use in retirement as well.   Jared Garfield  16:11   Yes, what it does is it's a vehicle that instead of saving the money from your cash flow from your rental properties in the bank, we say, well, why wouldn't you rather invest in something where it grows tax-free, number one, and then number two, you don't have the penalties like you would with a 401k, where you get taxed and you get penalized 10% if you pull it out. It's liquid, usually about 80 to 90% liquid, so you can pull from it whenever you like, and you can use it for down payments to grow your real estate portfolio. But you can earn sometimes between five and even seven or 8% in a tax advantaged manner where you're not taxed on it, but you're earning a much higher return than if you put the cash flow into a bank.   Keith Weinhold  16:51   All right, so you're building this tax advantage pool of capital that grows over time, and this is important to have some liquidity. You know, Jared, I've often talked to our audience, about three to 5% of your portfolio value ought to be kept liquid. Maybe with a vehicle like this, you would want to put in more of that because real estate investors we have expenses, so you have this liquidity to cover things like vacancies and major repairs, or perhaps you could even use this account for future down payments on additional investment properties. Is that how it's utilized?   Jared Garfield  17:27   Yeah, absolutely. And I get it partially this way because in my early 20s, I got up to where I had about six rentals, and at the time, I also owned a real estate brokerage, and I was doing very well. I was making a six-figure income and things. And what happened is, I back when a   Keith Weinhold  17:41   six-figure income was a big deal.   Jared Garfield  17:43   Yeah, back in the early 2000s, it was a little bit better money. But the funny thing was, I had four rental properties that all went vacant at the same exact time, and so now all of a sudden, I was paying like 4500 bucks a month in mortgages, not counting the house I lived in, but I had to cover four mortgages on four of my rental properties all at the same time, and I hadn't saved the cash flow, so I didn't have a huge emergency fund. All my liquid capital went into down payments and into renovation money to rehab the properties. Okay, and so it put me in a real bind, and I was out driving a Volvo S80 around throwing two paper routes in the mornings, and then going to my real estate brokerage after my paper routes to cover those rental properties. And so this was basically meant as a way to say, okay, this is a way that I have the liquidity. I'm getting a higher return, but now my tenants are not only buying me the houses, but they're also giving me a couple million dollars in life insurance, and they're wrapping my investment component or the cash value of that, the cash value part of the policy. They're wrapping that in a way that it grows tax-free, so it just accomplishes a lot of things. But the other thing that's a beautiful thing about it is there's a lot of things that we call living benefits.   Keith Weinhold  19:02   All right, so you have the living benefits and the tax advantages, and I know how you have pointed out that this can save an investor 10s of 1000s of dollars in taxes per year and hundreds of 1000s or more over time. Can you tell us more about that?   Jared Garfield  19:20   Yeah, because what happens is the money that goes in is growing tax-free, so you don't get taxed on any of the growth. But what we really like about it is, let's say that you're cash-flowing $2,000 a month off your rental properties, and you're putting 2000 a month into this policy. Usually, after the first year, if you're max funding, 80 to 90% of that's liquid. So if you've got 24,000 sitting in there, you've got access to 89 to 90% of the money. So it's pretty liquid. But what happens is over a 20 or 30 year period, that money could turn into three or 400,000 a year that you can pull out in the form of policy loans. And by doing that, it's not taxed. And you can pull that out throughout your retirement tax-free. So if you were paying 25% in taxes and you're pulling out 200 grand a year, that's $50,000 a year in retirement that you're saving in taxes. But that could be over a 20 or 30-year period. So over 20 years, that 50,000 could end up being a lot of money. I mean, 500,000 over 10 years, a million over 20, and so that means you don't have to accumulate as much. But a lot of our investors love it because they'll save it up with discipline, and then that way it's there if the furnace blows. So it makes your real estate safer, but it also becomes your down payment funds to expand your portfolio.   Keith Weinhold  20:40   Okay, the seven-figure solution is the vehicle that we're talking about here, and what part of the IRS code, just briefly, is it that gives this tax advantage?   Jared Garfield  20:51   It's Internal Revenue Code Section 79 that allows it to grow tax-free. In the 1980 s, doctors and a lot of very wealthy people were using this to the point that IRS changed the laws. They went and sued the insurance companies because doctors would go in and dump $2 million in, and they would buy a $2 million life insurance policy. So they were self-insured, which meant that they didn't have any cost of mortality on it. So they basically got all the benefits of the tax-free growth and the tax-free pullout. And the IRS said, "Wait a minute! We think you're doing tax evasion. So what they did is they came around and they said, "We're not going to let you use this loophole anymore for the very wealthiest people to have this. So they came to a compromise, and the compromise was that if you wanted to put in 2 million, you had to maintain a corridor where there had to be a little bit higher amount of life insurance. So you might have to buy a $2.3 million policy, but then you could still dump, say, $2 million in and have all the tax advantages. It's a strategy that's been used for over 100 years by families like the Rockefellers and the Hunts and J.P. Morgan. The very wealthiest families have always used these strategies to grow and protect their wealth.   Keith Weinhold  21:59   Okay, so it's a part of the tax code that allows cash value to accumulate within and be withdrawn from a life insurance policy tax-free.   Jared Garfield  22:11   Correct, and it gives you living benefits, which I alluded to a minute ago. And the living benefits are if if you end up having to go through things like long-term care, disability, if you can't perform, you know certain functions for a certain period of time, chronic illness, critical illness, terminal illness. If any of those things happen to you, you can borrow against the policy and have access to money during those things that would normally decimate your wealth, because you can actually access the death benefit in advance.   Keith Weinhold  22:42   Now I know a little about the six risks. Tell us about that.   Jared Garfield  22:47   Well, Keith, there are six risks that all investors face regularly. The first one is inflation erosion, and that means that your purchasing power often ends up leaking out of your balance. And the balance might look fine, but inflation can eat away at it. So even if you've raised a lot of money, if inflation means that you can buy half as much five or 10 years from now, then you know your wealth isn't as big as you thought. The second is the volatility setback, and that's sequence of return risk. That means that if you retire on a bad year where things really bad, stock market drops, you could end up using your money at a time where it really weakens your wealth because it may have dropped by 50% So if you had a million, now you have a half a million, and you're spending 100,000 a year. At the end of year one, you might only have 400,000 left. So sequence of of return risks from volatility setback, tax drain. That's just the compounding cost of an uncoordinated tax picture can really be a problem, and then the next one is liquidity. If you don't have liquidity and you've locked up all your money and you can't access it until you're 59 and a half without significant taxation and 10% penalties, the liquidity lock is a problem. There's the longevity paradox. What happens if you outlive your money, you know. So living longer is a benefit, but it exposes you to where you might not have enough money to live on in your latter years. The last two are care avalanche, and that is if an unexpected health event happens at the wrong time, it could really destroy your wealth because medical costs have spiraled out of control, and then the last one is the line to land, and that's only one of the six that's really about growth.   Keith Weinhold  24:28   Right, only one of the six of those was about growth. I can't stand the longevity paradox. Yeah, we think we all want to live a long time, but then it's more difficult to fund living a long time, and if you outlive everybody, nobody shows up at your funeral either. The longevity paradox-one of the six risks that the seven-figure solution can really help you with. Now, tell us more about funding it, so you can get a good cash value balance in. There, I know that one way you do it is actually with short-term rentals instead of a paycheck.   Jared Garfield  25:06   We love short-term rentals, especially for our highest net worth clients, because the reason is is the bonus depreciation of the big beautiful bill. Oh, right! You could take up to like 150 or even $200,000 in year one, they take that depreciation that they used to spread out over a whole lot of years, and they make it to where if you get with your CPA and you analyze your short-term rental, you could potentially take all of the furnishings, all of the artwork, all of the dishes and things that are in the property. Sometimes they'll let you take components like the appliances, the air conditioning unit, the furnace, and they'll let you take it all in year one instead of having to line item it and spread it out over you know 27 and a half years. So what this means is, if you have a short term rental, then you you might get like 150 to 200,000 tax break in the first year on the right property, but it's better than that because instead of having to have like 750 hours to hit full-time real estate professional status, it cuts the hours that you have to have significantly down. I think it's more like 150 hours or something like that, or 300. It's like half the hours, and so you can hit the benefits of taking unlimited passive loss much easier if you have a couple of short-term rentals.   Keith Weinhold  26:24   You're listening to Get Rich Education. We're talking with Jared Garfield about the seven-figure solution, something that takes some time to understand, but it can give you a tax-advantaged pool of capital that grows over time, and it also creates this overall tailwind, not just during your investor life, but then it provides tax advantaged retirement income at the same time. More on this when we come back. You're listening to Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group and MLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com, that's ridgelendinggroup.com.   Keith Weinhold  27:25   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866. This is the   Speaker 2  28:28   Real Wealth Network's Kathy Betke, and you are listening to the Always Valuable Get Rich Education with Keith Weinhold.   Keith Weinhold  28:46   Welcome back to Get Rich Education. I'm your host Keith Weinhold. We're talking about the seven-figure solution with Jared Garfield. Something that can be a particular benefit to real estate investors both during your investing career and then once you're in retirement as well, and this can take the form of either an indexed universal life policy or a whole life policy. There are a lot of wrong ways to do this and wrong things to get into. We're talking about the right way. Part of that is funding it as best you can. Can you tell us more about that?   Jared Garfield  29:20   Well, there's a lot of different ways to fund it. A lot of our clients will come in. We have some people who will use rollovers if they're nearing the end of retirement. Some people will roll over a 401k into a cash value life insurance policy because they can do it over a five or seven year period, and they pay the taxes when they roll it over, so their taxes go up a little bit for five or seven years of retirement, but then what happens is that means that during their retirement they're not taxed on the income all the way through retirement, so that can save really significantly. But a lot of our clients will do a flip and dump 40 or 50,000 a year in by just saying I'm going to do one flip a year and use that to. Fund the whole thing, or they'll take the cash flow and dump the cash flow into here instead of the bank, just so that they get the living benefits and they get the much higher return with still 80 to 90% liquidity. So could be cash flow from rentals, could be money from a flip, or sometimes some of these short-term rentals can make 20 to $30,000 a year, and if you get $100,000 tax break, you have more money that's not going to Uncle Sam, and then because that's your discretionary income now, because of the tax break, you could use that money to for down payments to grow your portfolio or to do a flip.   Keith Weinhold  30:35   Now, Jared, I sort of think of the cash value that you're accumulating in this policy as safe money that grows at a slow to moderate steady rate, but if it rarely or ever loses value, can you tell us more about that and the rate of return expected in the policy?   Jared Garfield  30:52   Yeah, absolutely. With the IULs, it's going to depend a little bit upon the carriers and stuff like that, and whether you go with a mutual company and stuff like that. It can vary, but a lot of times people are going with things that are what we call indexed. So you can actually index it to the S and p5 100 if you think that we're going to have a bull market and the market's going to really go up strongly. You can index it to the market, and sometimes they'll have a participation rate where they'll say, "Okay, you can participate up to 12% So if the stock market does 17% the most you can make is 12% So you're giving up a little bit of upside, but that's still not nothing. I mean, that's not three or 4% You can still make you know 10 or 12% that year, but you're giving up the part above the participation rate. And the reason that you do that is if the market tanks and drops by 30 or 40% The worst you can do is 0% return. Zero is my hero because you didn't lose anything. So if you had a half a million sitting there, you don't go down to 250 and then wait eight years to get back to break even. Instead, you're still at half a million. And if the market goes up next year by 20% and you had a 10% cap. Then your half a million, you know, is now at 550,000. When everybody else, if it went up by 10% they're at half the amount that they had.   Keith Weinhold  32:13   You have a story or example of how you've helped somebody with this, because I know a lot of investors that are passionate about utilizing the cash value inside an insurance policy tell us.   Jared Garfield  32:28   Well, I've got one friend who's a developer, and he did like a $5 million policy. And every time he flip a subdivision or flip a house, and let's back   Keith Weinhold  32:36   up. Does a $5 million policy mean that's the death benefit?   Jared Garfield  32:40   Yeah, that's the death benefit. Thanks for catching that. That's the death benefit, but that also has a correlation to how much money you can dump into it. So if you have a $5 million policy, you can dump a lot more money in for the tax free growth. And the quicker you hit that death benefit amount, at that point you're self-insured, and so at that point you really don't have cost of insurance on administering the policy hardly at all, and so at that point, when you're what we call self-insured, the return on the investment becomes a lot better. But this particular developer was able to use this policy because he had so much cash value in, and if he sold a house, he'd take 40,000. If he sold 10 a year, he might take you know 400,000 and dump it into this policy, and so it made him bankable. And he was able to use the money to go out and do new subdivision developments because the bank would actually use the policy as the collateral to be able to give him loans at much lower interest rates.   Keith Weinhold  33:38   That's valuable. Tell us about that. I don't want to use the wrong words here, but then effectively with this example, are you borrowing against the funds in the policy? So therefore, you can get those dollars working for you somewhere else, all while simultaneously the cash value continues to compound and grow. Sort of another form of leverage.   Jared Garfield  34:01   Correct. What they basically do is they basically freeze part of the amount and say, okay, we're using this as the collateral and stuff like that to be able to do the loan. But if it grows and and makes 7% you're still making the money off of the money that's sitting in there. It's just collateralized as part of the loan. And some people will even use it to like go buy a car, like instead of buying a car and going getting a bank loan and paying 7% to the bank, they might borrow money out, go pay cash for the car from the life insurance policy loan, and pay 2% instead of 7% But they're paying it to themselves, and as long as they're paying the interest to themselves, if the money that they borrow out could potentially still earn the same money and earn 7% even though you had borrowed out. So it's doing two things for you at the same time, as long as you're paying that loan interest. But and that depends on the option that you take when you do your loan.   Keith Weinhold  34:54   We love leverage around here. Leverage trumps compound interest. In so many ways. Oh, I'm really glad that you told us some more about that using the funds in more than one way at the same time. Tell us more about what it costs for the investor, the costs of setting this up, and then what some of those trade-offs are, Jared.   Jared Garfield  35:18   Well, that really depends on the individual. I mean, everybody has to sit down and be able to decide what is acceptable for them. You know, a lot of times people will want to max fund the 401k that they're doing at least just to the amount that's matched. But then after that, this could be a great place instead of putting a whole bunch more money into a 401k. Some people will elect to say, "I'm going to put the matching portion into my 401k, but then I'm going to take my cash flow from my real estate and money that I could have contributed to other alternatives and put it into this because I want the liquidity. I want to be able to leverage this money and pull it out without any restrictions. That as long as I can pull out 80 to 90 percent, I could go buy a car wash, or I could invest in a business, or I could, you know, do whatever I wanted to. I could loan it to my kids for their college and make them pay me loans back to my policy. There gives you a lot of flexibility to do it. But the thing that we love about it is we'll do what's called an illustration, and it may end up if you start at the right time, it could be a six-figure passive income stream at retirement, and then if you have the real estate, because this helped you grow your portfolio, where without doing the strategy, you might have ended up with say 10 properties. We might be able to get you to 20 or 30 properties working together as a team with your real estate coaches and stuff like that. Then we can potentially grow your real estate portfolio, and what we want to do is 1031 exchange every seven to eight years. I don't believe in holding properties for 30 years.   Jared Garfield  36:47   I believe in exchanging them every seven to eight years because when the tax benefits have been used up, if you exchange to twice the size portfolio, you have better appreciation on a portfolio worth twice as much. But that new value, you still get the depreciation advantages, where the old value that was half, you know, the depreciation is used up. So you're you're getting new depreciation on the higher value assets, and then our goal would be that by the time you don't want to be involved in managing the property managers, that at some point you're going to have a 200 unit apartment complex with on-site management, and at that point you don't have any financial worries really because you're 1031 exchanging into those apartment complexes, but you have so much equity that you're still maintaining depreciation during your retirement years. When most people who have lesser plans don't have the tax advantages,   Keith Weinhold  37:41   I love that you said so much of that, and to you, the listener, Jared is licensed to do this, and our own in-house investment coach. You mentioned coaching. Naresh has the proper licensing as well to holistically help integrate this into your investor life. And for example, yes, we are rarely of the mindset that you would hold a property for all 30 years because after seven to 10 years, your leverage ratio gets worn down, and then additionally, if you're buying turnkey properties, oftentimes that's when capex expenditures start to enter into the picture. So yes, oftentimes we do these seven to 10 year holds.    Jared Garfield  38:23   I love that. Yeah, that's a really really good strategy, and and it always makes it to where you can grow so much bigger portfolio by not being taxed through that exchange. And you know, believe it or not, there's actually even ways when you have extra cash boot, they do allow if you notify them in advance. Sometimes you can take some of the cash boot on the exchange and roll it into some of the products that we utilize.   Keith Weinhold  38:47   For more specifics, I know you said it's based on one's individual situation, but how much does it cost to set up a policy? And then, are there any ongoing maintenance fees? Can you give us more specifics there?   Jared Garfield  38:59   So, there's small fees to administer the policy because you have people who are trading and doing different things and working within the policy for the funds. But usually, you can set policies up as low as 100 or even $200 a month. We don't usually recommend that because you want to max fund it. Usually, when you're doing these strategies, if you're just doing $100 or $200 a month, you're basically buying life insurance, but you're missing a lot of the benefits because what you want to do is to be able to max fund it. So what we like people to do is get as minimum life insurance. That's not in our advantage because we get paid based on the premium of the amount of life insurance you get. But you get the smallest amount of life insurance for the amount that you can max fund. I would much rather have somebody get a $500 a month policy that, let's say, they could put you know a thousanmd a month in or something like that, than to have somebody get $1,000 a month policy where they're paying a thousand a month but they can't max fund it because by max funding it you're maximizing the growth component of the cash. Value, and so it depends on how much you want. But you can go anywhere from $100 or $200 a month to we have clients that will dump $20,000 a month in because they really want to shield as much money as they can from tax growth.   Keith Weinhold  40:15   Tell us more about who the seven-figure solution is for and who it's not for.   Jared Garfield  40:20   Well, if you're living month to month and you don't have discretionary income, it's probably not a good solution. In that situation, you probably want to get term insurance and just make sure that you cover catastrophic things. But if you've got discretionary income and you've got an extra four to $500 a month that you could use to max fund, we figure most people need life insurance anyway, and the way that we teach it, when you mix it with real estate, rather than pulling it from your monthly budget, doesn't it make a lot more sense to let your tenants buy the houses for you, but also pay for a half a million or a million dollar life insurance policy for you, where the tenants are covering the savings for anything that happens at the property with capex or vacancy or damage, and at the same time covering life insurance and potentially a six-figure passive income that's tax advantaged at retirement. So I pull the money out from other assets and let the assets cover this asset.   Keith Weinhold  41:18   Oh well, Jared, this has been great. Before I ask you if you have any last things to tell the audience about the seven-figure solution, I invite you, the audience, to join us. It's going to be Jared and our own in-house investment coach, Nareesh, bringing you a live online event that you can join from the comfort of your own home next Thursday, the 27th at 8 PM Eastern. You can register now; it's free at grewebinars.com because there are a lot of moving parts, and it does take some time to wrap your head around this, benefiting from the cash value of an insurance policy. And this way you can have a Q and A, and you can get answers in real time at this event. It's called the Seven Figure Solution: Build wealth, reduce risk, and create tax advantage retirement income through real estate. Again, it is next Thursday, the 27th at 8p.m. Eastern, you probably have generated some questions inside your head while you're listening to this, and you can sure have them answered there as you're going to learn a whole lot more about it next Thursday. This could help a lot of people. Jared, do you have any last thoughts?    Jared Garfield  42:38   I think the only thing is that we like to work with the team. We like to work with your CPA. We like to work with your real estate investment coach. I used to be a coach and trainer for Robert Kiyosaki, who wrote Rich Dad Poor Dad, and he always talked about power teams. And so we want to be able to be a part of your power team and work with your other advisors to help you implement something. We're not here to give you tax advice. We want you to be able to work with your investment advisors and your CPAs, and just be a part of the team. But I would point out that over my career, I've owned hundreds and hundreds of single-family cash flow rentals, duplexes, fourplexes, apartment complexes. I've done some land development, and I implement these strategies myself. I had 17 Airbnbs, and so these are the strategies that I implemented as a full-time real estate professional. I felt like that this strategy of having a seven-figure solution could help you to avoid some of the pitfalls that I experienced in my 20s.   Keith Weinhold  43:32   So much all comes together for one pretty comprehensive solution. It's the intersection of growing your portfolio, getting tax advantages and having the death benefits of insurance and more all coming together next Thursday, so that you can learn more. Jared, it's been great having you back on the show.   Jared Garfield  43:52   Thanks, Keith. Always glad to join you.   Keith Weinhold  44:00   Integrate the seven-figure solution the GRE way, where we have this conscientiousness about leverage and cash flow. In this case, it's how to prudently leverage a life insurance policy. When it's time to tap your cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, hence using the funds in more than one place, and the IRS does not tax loan proceeds. This reminds me of a billionaire and how they borrow against the value of their stock. That way, they don't have to sell their assets. This is similar to what you can do with this. Another thing is that you know real estate investors are not used to a volatile ride because our asset values stay stable. You heard Jared mention the acronym IUL there. That's an indexed universal life policy. It's a real benefit. That says you tie yours to the S and P five hundred. Well, that index was down 18% in 2022, and that your cash value can have an upside ceiling and loss protection on the downside-an option that you'll care more about as you get toward retirement. In 2008, the S&P was down 37% so the math is cruel on value losses. In fact, it's even worse than it sounds because if you're down 30%, then you need a 43% gain just to get back to even. That is just math.   Keith Weinhold  45:39   There are some mistakes to avoid here, and you don't just want to set up your seven-figure solution off of a website. And it is based on products that you might have heard of from companies like Nationwide and Mass Mutual. I strongly encourage you learn more, see how it all goes together, learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, 721 exchange, and 1031 exchange. This is very much about seeing your future. You've been listening to me here every week for almost 12 years, earning money from your day job, building your real estate portfolio, either from our investment coaching or on your own. This is how it all goes together. Next week with Jared and GRE investment coach Naresh. By attending live, you can have your questions answered in real time. One last time, you can sign up for the event for next Thursday, the 27th at 8 PM. Eastern, 5 PM. Pacific. Learn about something that's potentially really valuable to you: the seven-figure solution at grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  46:59   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  47:26   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Send us Fan MailCan a physician coach build a six-figure, seven-figure, or even million-dollar coaching business?Yes—but being an excellent coach and building an excellent coaching business are two different skills.In this episode of the EntreMD Podcast, Dr. Una breaks down the business fundamentals physician coaches need to master if they want to grow a profitable, sustainable coaching company. From choosing the right business model and pricing based on value to selling consistently, increasing visibility, retaining clients, and managing the mind drama that can stall execution, this episode is a practical roadmap for treating your coaching practice like the business it is.You'll learn why clarity comes from action, not months of thinking; how to run the numbers behind your revenue goals; why selling is an essential part of service; and how getting in front of new audiences consistently can solve one of the biggest problems in business: obscurity.If you're a physician coach who wants to replace your physician income, grow toward seven figures, or simply build a stronger and more profitable coaching business, this episode will help you identify what needs to change—and what to execute next. Tune in!Additional Resources:Learn more about my 12-month program. Interested in 1-on-1 coaching? Apply here.Grab a copy of the "The 7-Figure Physician CEO" book. When you are ready to work with us, here are three ways: The Profitable Private Practice Movement - If you want to build a thriving private practice that serves a lot of patients, while creating time and financial freedom for you, come join us here. EntreMD Business School Grow - This is our year-long program with a track record of producing physician entrepreneurs who are building 6, 7 and 7+ figure businesses. They do this while building their dream lives!EntreMD Business School Scale - This is our high-level mastermind for physicians who have crossed the seven figure milestone and want to build their businesses to be well oiled machines that can run without them.To get on a call with my team to determine your next best step, go here ...

Your professional expertise could become a scalable asset that generates revenue without requiring more hours from you. In this episode of Sharkpreneur, Seth Greene interviews Justin Montgomery, Founder of The Elite Nurse Practitioner, who shares how he went from working as a nurse practitioner to building cash-based medical practices and an eight-figure online education company. He explains how professionals and entrepreneurs can turn specialized knowledge into continuing education courses, build an audience, and create a scalable marketing engine. Justin also reveals why valuable content, strategic outsourcing, and separating income from personal time are essential to building a business that supports financial and location independence. Key Takeaways:→ Business ownership does not automatically create freedom if the owner must personally deliver the service.→ Cash-based business models provide owners with greater control than those dependent on third-party payers. → Early failures can provide the experience and insight needed to build a successful, repeatable business model.→ Building an audience before launching a course creates a stronger foundation for generating initial sales. → A scalable education business can create financial independence, location flexibility, and a lasting impact on customers and their families. Justin Allan Montgomery is the founder of The Elite Nurse Practitioner, a thriving business he launched in 2019 to teach nurse practitioners unique clinical and business skills, empowering them to start their own practices and break free from traditional work environments. With a background that includes a bachelor's in biology and chemistry, a bachelor's in nursing, and a Master of Science in nursing, Justin scaled his business to 7-figure annual revenue in just three years. By providing valuable content and addressing a major issue in his profession—lack of autonomy and underpayment—he built a scalable online course business that helped him achieve an 8-figure net worth. By working part-time while still seeing patients, he achieved financial independence before age 40, demonstrating the power of automation and passive income. Connect With Justin:Website: https://procoursestart.com/Facebook: https://www.facebook.com/profile.php?id=61574146510784LinkedIn: https://www.linkedin.com/company/procoursestart/YouTube: https://www.youtube.com/@ProCourseStart

Sam's database on how long it takes to become a millionaire: https://clickhubspot.com/elft Episode 851: Sam Parr ( https://x.com/theSamParr ) and Shaan Puri ( https://x.com/ShaanVP ) talk to Brett Adcock ( https://x.com/adcock_brett ), the founder of Figure.ai. — Show Notes: (0:00) Intro (3:29) Hark, a human in a box (8:00) zero constraints (17:32) rapid prototyping (21:38) What are the robots doing? (23:45) what about the hype is real? (27:54) finding the best people (30:14) $20M dollar salaries for engineers (32:03) How Zuck is buying his way into AI (35:44) Auditing Brett's 2026 predictions (42:33) reducing your buckets (44:00) show us your home screen (46:17) hitting rock bottom 3x (57:22) who inspires Brett — Links: • Hark - https://hark.com/  • Cover - https://www.cover.ai/  • Figure - https://www.figure.ai/  — Check Out Sam's Stuff: • Hampton (joinhampton.com): My community for founders. Average member does $25m/year. Many of the guests are members. Get after it...apply: http://joinhampton.com/mfm — Check Out Shaan's Stuff: • Shaan's weekly email - https://www.shaanpuri.com  • Visit https://www.somewhere.com/mfm to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents. • Mercury - Shaan uses Mercury across all of his companies. you can too: http://mercury.com/  Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., Members FDIC • I run all my newsletters on Beehiiv and you should too + we're giving away $10k to our favorite newsletter, check it out: beehiiv.com/mfm-challenge My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano /