Podcasts about Finance

If You Don't Have These 3 Accounts, You'll Stay BrokeDo you actually know what you're doing with your money? Or are you just guessing and hoping you're making the right decisions? That's not a discipline problem—that's a clarity problem.In this video, I'm breaking down the 3 Money Buckets every family needs to stop living paycheck to paycheck and start building real generational wealth.If you don't have these three buckets set up, you'll always be one emergency away from being broke—no matter how much money you make.Here's the reality:• 70% of families are living paycheck to paycheck• More than half of Americans can't cover a $1,000 emergency• The average Black household has just 10% of the net worth of the average white household (Federal Reserve)But there's GOOD NEWS: There's a system that works for everyday people who want to break the cycle and build real wealth. And I'm giving you the exact blueprint in this video.

Rob Behnke, Co-Founder and Executive Chairman of Halborn, sat down with me for an interview at the Halborn Access 2026 Summit at the NYSE. We discussed how Halborn is helping businesses to improve their crypto security.Brought to you by

Crypto News: Will Bitcoin see a relief rally soon? Wall Street firm Bernstein reiterated its $150,000 year-end price target on BTC. Jim Cramer said Trump is buying Bitcoin for the reserve. Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/

Counterfeits are dangerous precisely because they look convincing. The same is true of spiritual sayings that sound biblical but quietly distort how we think about God, stewardship, and money.Many believers can quote phrases that feel deeply spiritual—comforting even—but when placed under the light of Scripture, they don't actually appear there at all. Or worse, they twist what Scripture truly says. These “counterfeit verses” often shape how we view success, risk, provision, and dependence on God without us even realizing it.To explore this issue, we sat down with Taylor Standridge, Production Manager of FaithFi and a regular contributor to Faithful Steward. Taylor is also the lead writer behind Look at the Sparrows and Our Ultimate Treasure. In his recent article, Counterfeit Verses: How to Spot The Sayings That Aren't in the Bible, Taylor traces this problem all the way back to the beginning.“Did God Really Say?”—The First CounterfeitTaylor begins in Genesis 3, when the serpent approaches Eve with a deceptively subtle question: “Did God really say…?” (Genesis 3:1).This moment is critical because the enemy doesn't begin with an outright lie. Instead, he distorts what God has said and, in doing so, undermines God's character. The implication isn't merely that the command is questionable—but that God Himself may be withholding something good.Once Adam and Eve doubt God's goodness, disobedience follows naturally.That same pattern persists today. Many modern financial lies—whether cultural narratives or counterfeit verses—aren't blatant falsehoods. They're half-truths. They sound wise. They feel spiritual. And because they're close enough to the truth, they feel safe.Like a ship that veers off course by only one degree, the deviation seems harmless at first. But over time, it leads somewhere very different from what was intended.At the heart of every counterfeit is the same ancient question: Can God really be trusted?Counterfeit verses don't come with warning labels. They borrow biblical language, appeal to our emotions, and speak to real desires—hope, comfort, identity, and security.Sometimes they even quote Scripture, but rip it out of context.The danger isn't familiarity with Scripture—it's fragmented familiarity. When we know verses as slogans rather than as part of God's larger story, we become vulnerable to subtle distortions. The goal, however, isn't suspicion or cynicism. It's discernment—learning to recognize when a truth has been nudged just slightly off course.Studying the Real Thing: A Lesson from Counterfeit CurrencyTaylor uses a powerful illustration from the film Catch Me If You Can. Frank Abagnale Jr. succeeds as a forger not by inventing fake money from scratch, but by studying the real thing in obsessive detail—down to the ink, paper, and watermarks.Ironically, that expertise later makes him invaluable to the FBI.Banks don't train tellers by showing them every possible fake. They train them by handing them genuine currency until authenticity becomes instinctive.The same is true of Scripture. Discernment doesn't come from memorizing every error—it comes from knowing God's Word so deeply that when something sounds “almost right,” you can feel that it isn't.Common Counterfeit Verses That Shape Our View of Money“Money is the Root of All Evil”This misquote radically reshapes our theology of money. If money itself is evil, then wealth becomes suspicious, and stewardship feels compromising.But Scripture says something far more searching: “For the love of money is a root of all kinds of evils” (1 Timothy 6:10).The issue isn't possession—it's devotion. Scripture doesn't demonize money; it disciples our hearts.“God Helps Those Who Help Themselves”This phrase flips the gospel upside down. It places self-sufficiency at the center and turns God into a backup plan.Biblically, grace always comes first. God meets us in our need, not our strength. Stewardship, then, isn't self-rescue—it's dependence. Jesus says it plainly: “Apart from me you can do nothing” (John 15:5).“God Won't Give You More Than You Can Handle”This saying sounds comforting, but it places the burden of endurance squarely on our shoulders.Paul tells a different story: “We were so utterly burdened beyond our strength… so that we would not rely on ourselves but on God” (2 Corinthians 1:8–9).God often allows what we cannot handle so that we learn to rely on Him.“Let Go and Let God”This phrase requires nuance. Scripture does call us to trust—but never to passive disengagement.Faith and obedience always move together. Noah builds. Abraham goes. Ruth works. Grace empowers action; it doesn't replace it. As J. I. Packer once said, the Christian motto isn't “Let go and let God,” but “Trust God and get going.”Growing in Discernment Without FearDiscernment begins with familiarity. Counterfeits thrive when Scripture is reduced to slogans. But when we immerse ourselves in the full story of God's Word, we learn to recognize the Shepherd's voice (John 10:4).Community matters too. God designed us to learn truth together—through teaching, correction, and shared wisdom.The goal isn't paranoia. It's confidence. We don't spend our lives studying counterfeits—we anchor ourselves in truth, trusting the Spirit of God to alert us when something isn't from Him.If we want to steward money wisely, we must first steward God's truth faithfully. Because when we know what God has truly said, we're finally free to live—and steward—with clarity, confidence, and trust.———————————————————————————————————————Taylor Standridge's article “Counterfeit Verses: How to Spot The Sayings That Aren't in the Bible” appears in the latest issue of Faithful Steward, our quarterly magazine for FaithFi Partners. To receive your copy and enjoy additional partner benefits, visit FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage for retirement. My home is worth about $370,000, and I owe $104,000 at 3.5%. How do reverse mortgages work? Would this help me in retirement, and what kind of interest rate should I expect compared to my current loan?I've been offered an investment where $10,000 could return 250%. I know the person personally, and there's paperwork and an attorney involved, but how can I properly vet this to be sure it's legitimate—especially since it involves real estate?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Counterfeit Verses: How to Spot The Sayings That Aren't in the Bible (Article by Taylor Standridge in Issue 4 of Faithful Steward Magazine)Movement MortgageOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Artificial intelligence promises efficiency, but at what cost to your brain health? Jim Kwik, the world's leading brain coach, has observed a concerning trend: the more we rely on AI, the less we engage our own brains, ultimately making us mentally weaker. In this episode, Jim introduces the concept of augmented intelligence, a tool meant to amplify human thinking, not replace it. He also shares his proven strategies to strengthen brain health, ensuring that your memory, sleep, focus, and cognitive function stay sharp in an AI-driven world. In this episode, Hala and Jim will discuss: (00:00) Introduction (03:22) A New Mind for the AI Era (08:20) AI vs. Human Intelligence Comparison (11:55) Setting Boundaries With Artificial Intelligence (15:20) The MEDS Brain Health Framework (18:47) Sleep Optimization for Cognitive Wellness (23:40) Training Your Brain in the Modern World (34:08) Mastering Focus in a Distracted World (42:08) Understanding Brain Types: The CODE Framework (50:19) Actionable Advice for Entrepreneurs Jim Kwik is the world's leading brain performance coach, a New York Times bestselling author, and the founder of Kwik Brain. For over 30 years, he has trained CEOs, entrepreneurs, athletes, and world leaders in speed learning, memory improvement, and mental performance. As the host of the top-ranked Kwik Brain podcast, Jim focuses on brain health, cognitive fitness, and unlocking human potential in a rapidly changing world. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting. Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. See experian.com for details. Huel -  Get all the daily nutrients you need with Huel. Grab Huel today and get 15% OFF with my code PROFITING at huel.com/PROFITING.  Resources Mentioned: Jim's Website: kwikbrain.com  Jim's Book, Limitless: bit.ly/-Limitles  Jim's YouTube: youtube.com/c/JimKwik  Jim's Podcast, Kwik Brain: bit.ly/KB-apple  Jim's Brain Type Quiz: mybrainanimal.com  YAP E190 with Jim Kwik: youngandprofiting.co/E190  The Structure of Scientific Revolutions by Thomas S. Kuhn: bit.ly/TSoSR  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Biohacking, Motivation, Manifestation, Life Balance, Self-Healing, Positivity, Happiness, Diet

Huge thank you to our sponsors, Fusion Gaming Online.You can find them here: www.FusionGamingOnline.com. You want a 5% discount off all of your MTG order? Head over to Fusion Gaming Online and use exclusive promo code: CCONATION at checkout.Want your deck or topic featured on Commander Cookout Podcast?Check out the reward tiers at Patreon.com/CCOPodcast. There are a lot of fun and unique benefits to pledging. Like the CCO Discord or getting your deck featured on the show.Ryan's solo podcast, Commander ad Populum:https://www.spreaker.com/show/commander-ad-populumInterested in MTG/Commander History? Check out Commander History Podcast: https://www.spreaker.com/podcast/mtg-commander-history--6128728You can listen to CCO Podcast anywhere better podcasts are found as well as on CommanderCookout.com.Now, Hit our Theme Song!Social media:https://www.CommanderCookout.comhttps://www.Instagram.com/CommanderCookouthttps://www.Facebook.com/CCOPodca

Rob Morgan, Head of Stablecoin and Banking Strategy at Payoneer, joined me to discuss how Payoneer plans to integrate stablecoins into its payments infrastructure.Topics: - Payoneer's stablecoin plans - Banks adopting blockchain tech - Future of Payments - GENIUS Act - ABA and Banks push back on Stablecoin yieldRecorded on January 20th, 2026.Brought to you by

Dating again in midlife can stir up a mix of curiosity, hope, and very real hesitation. After divorce, it's not just about meeting someone new, it's about trusting your instincts and believing that love can feel different this time. Susan Guthrie welcomes back one of Divorce & Beyond's most trusted and favorite guests, Bela Gandhi, for an honest, encouraging conversation about what it truly takes to move from fear to confidence when dating again in midlife. Known as America's go-to dating coach and beloved by the Divorce & Beyond community, Bela brings warmth, optimism, and refreshingly practical wisdom to a chapter that often feels overwhelming. Together, Susan and Bela unpack why midlife dating can actually be better than ever, how to stop repeating old patterns that no longer serve you, and what smart, intentional dating looks like when you're choosing differently and more consciously this time around. What You'll Learn Why fear around dating after divorce is normal How those “rollercoaster butterflies” are usually a sign of anxiety, not chemistry, and how to recognize calm as a healthier sign of compatibility How dating today offers more options, visibility, and agency than ever before, especially for midlife daters Why confidence in dating comes from having a clear plan, not luck, timing, or instant sparks How slowing down and allowing connection to develop over time leads to better long-term outcomes About the Guest  Bela Gandhi is a dating/relationship expert, TEDx speaker, founder of Smart Dating AcademyÒ and has been featured on most national/local media outlets including Good Morning America, Steve Harvey, the Today Show, Kelly Clarkson, Access, ABC, NBC, Fox, and more.  Bela realized her gift for love when she was in college and started matchmaking and coaching her friends – watching them sail on to relationship bliss and marriage.  Using her own system, Bela found her own amazing husband of over 20 years, and in 2009, founded Smart Dating AcademyÒ.  Smart Dating Academy teaches singles all over the globe the Smart DatingÒ four phase system – 1) Preparing to Date, 2) Dating, 3) Exclusivity and 4) Happily Ever After.   They specialize in VIP 1:1 coaching, and with clients that have followed their system, they've had ‘zero divorces.'  They help singles to ‘fix their pickers' because their coaches are deep in the weeds with clients, helping read profiles, message, and rate each date after it happens – she makes dating fun, easy and successful!   Before starting Smart Dating Academy, Bela earned dual degrees in Finance and German from the University of Illinois in Urbana/Champaign.  Bela worked in mergers and acquisitions for Arthur Andersen in Chicago for a year before joining her family's chemicals manufacturing company (called CCC), where she divided her time between Chicago and Europe helping to expand the business. When they sold the business to Fortune 500 company Akzo Nobel, she was asked to remain its leader and became Akzo Nobel Non-Stick Coating's Global Vice President of Housewares.   While climbing the corporate ladder, she realized it was time to unveil her system to the world, and it was her best decision ever.  Bela lives in Lincoln Park with her husband Andy and 2 children, Jaden and Max, and is going to be an empty nester next year!    Connect with Bela Gandhi Website: http://smartdatingacademy.com Instagram: https://www.instagram.com/smartdatingacademy Podcast: https://www.smartdatingacademy.com/podcast The Midlife Dating Mindset Reset Guide Download Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyondpod Meet Our Host Susan E. Guthrie®, Esq. is one of the nation's leading family law and mediation experts, with more than 35 years of experience helping individuals and families navigate divorce and conflict with clarity and compassion. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker, trainer, and practice-building consultant. Susan recently appeared as the featured expert on The Oprah Podcast, where she shared her insights on gray divorce and the changing landscape of relationships. Her expertise has also been featured in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC's Chicago Today, among many others. As the creator and host of the award-winning Divorce & Beyond® Podcast, ranked in the top 1% of all podcasts worldwide with more than 3.4 million downloads, Susan brings together top experts and powerful personal stories to help listeners move through divorce and beyond with confidence, insight, and hope. Learn more about Susan and her work at susaneguthrie.com. Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** A Smarter, Simpler Way to Navigate Your Divorce Looking for a clearer and more affordable way to move through your divorce? Check out Hello Divorce. Their guided online platform combines easy-to-follow tools with real legal and coaching support to help you complete your divorce with less stress, less confusion, and far lower costs than a traditional courtroom battle. They have created a special page just for Divorce & Beyond listeners. Explore your options at hellodivorce.com/susan. ***************************************************************************** Special Offer from Blue Mercury Treat yourself to luxury skincare, makeup, and fragrance favorites from Blue Mercury, your destination for beauty and self-care. Divorce & Beyond listeners receive 15% off their first order when they use the special link in the show notes. Because you deserve to look and feel your best,  inside and out. You must use this link to receive the 15% off on your first Blue Mercury order: https://divorcebeyond.com/Blue-Mercury ***************************************************************************** Opportunities for Expert Guests and Fellow Podcasters Partner with Divorce & Beyond Whether you're a podcaster looking to expand your reach or an expert ready to share your insights, Divorce & Beyond offers the perfect platform to amplify your voice.  Find out more here: https://divorceandbeyondpod.com/guest-opportunities ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM

What would you call a marriage where spouses see “eye to eye” about money? Some might call it bliss.It's true that most couples at least occasionally quarrel about their finances. But could a better understanding of each other's values help spouses avoid that bickering? Shaunti Feldhahn thinks so, and she joins us today to talk about it.Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself, written with her husband, Jeff, and has co-authored several other books with him, revealing impactful truths about relationships at home and in the workplace.A Lesson Learned Over DinnerShaunti and her husband, Jeff, learned this lesson early in their marriage. Living in New York, they often ate out due to their demanding schedules. However, a seemingly small issue—ordering a Diet Coke—would trigger recurring arguments. Jeff, concerned about their financial future and mounting student loan debt, saw the expense as unnecessary, while Shaunti viewed it as a simple enjoyment that enhanced her meal.It wasn't until years later, during their research for their book Thriving in Love & Money, that they realized their conflict stemmed from differing values. Jeff prioritized financial security, while Shaunti valued the experience and enjoyment of a meal. Once they uncovered this, they could communicate more effectively and honor each other's perspectives.The Root of Money Conflicts in MarriageFinancial disagreements often arise because couples fail to recognize and respect each other's values. In Shaunti and Jeff's national study, they found that:67% of couples in financial conflicts believe their perspective is the logical one.Couples often perceive their spouse's spending habits as irrational simply because they prioritize different things.For example, one spouse might see value in spending money on a gym membership for networking and health benefits, while the other might believe household essentials from Costco are a better use of resources. The key takeaway? Neither perspective is wrong—both are rooted in deeply held values.The Power of CommunicationThe solution to money conflicts isn't just budgeting or financial planning; it's communication. It's crucial that couples discuss not just what they want to spend money on, but why it matters to them.By having open and honest conversations about financial priorities, couples can:Build mutual understanding and trust.Find compromises that respect both perspectives.Create a financial plan that aligns with their shared goals and values.While couples can work through these issues on their own, it can be very beneficial to seek guidance from financial advisors—especially those with a biblical perspective. Kingdom Advisors, for example, are trained to address not just the numbers, but the relational and spiritual aspects of money management.Advisors can help couples navigate tough conversations, align their financial goals with their values, and ultimately steward their resources in a way that honors God and strengthens their marriage.At the heart of every financial decision in marriage lies an opportunity to foster unity rather than division. God cares just as much about the marriage as He does about the finances. By understanding and honoring each other's values, couples can turn money from a source of conflict into an instrument of peace and purpose.————————————————————————————————Shaunti Feldhahn's full article, “Money in Marriage: It's a Matter of Value,” appears in the 1st issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you'll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more.On Today's Program, Rob Answers Listener Questions:My husband and I sold a property, paid off all our debt except our mortgage, and I'm rebuilding my savings after a $14,000 home project. Once my savings are fully restored, should I start investing? And if so, should I invest all of it or just a portion? I'd be looking at about $112,000, but I'm cautious and not experienced with investing.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you're locking in the wrong contracts or risking your business with bad financing, this episode with Rob Misheloff of Smarter Finance USA explains why you need a smarter freight pricing strategy, cautious contract bids, and strong carrier relationships to stay profitable in today's volatile transportation market. Rob covers the current trucking financing challenges, from equipment costs doubling and tighter credit markets to the reality of personal guarantees, common predatory lending scams, and the financial mistakes first-time owner-operators make when they don't know their true cost per mile. We also discuss the best truck financing practices, including why OEM dealers should be your first stop, when banks make sense, and how trusted brokers can help when options get tight—so you can protect your cash flow, avoid risky contracts, and build a trucking business that actually lasts!   About Rob Misheloff Robert is the founder of Smarter Finance USA (Smarter Equipment Finance LLC). After spending 10 years running a marketing company that served equipment finance and small-business finance brands, he built Smarter Finance USA to address a recurring problem he saw across the industry: when small businesses couldn't access bank loans, many were pushed into opaque financing processes where critical details were unclear until late in the deal. Robert's work centers on helping business owners and commercial sellers understand the real terms behind equipment and commercial vehicle financing - how offers are structured, where costs hide, and how to protect against common traps such as rate/term misrepresentation, conditional approvals, fee stacking, and deposit scams. His insights have been featured in industry outlets including Manufacturing.net and Overdrive Online.  

Send us a textIs your past quietly deciding who you're allowed to become?In today's episode, we challenge the invisible stories that trauma, fear, and old patterns install in your mind without your permission. We examine how belief, identity, and emotional wiring influence your ability to grow, heal, and move forward with clarity. Through real-world insight and grounded psychology, we expose why so many high-potential people remain stuck in survival mode long after the danger has passed.This is about reclaiming authorship over your life, strengthening your inner operating system, and building resilience that holds up in your mindset, relationships, and performance. If you're ready to stop negotiating with your limits and start building from your true capacity, press play and choose evolution over excuses.Here are the related episodes, each one builds on today's conversation:#407 | The Fear of Finally Using Your Voice - https://apple.co/4r3RRe6#457 | Polyvagal Theory: The Key to Well-Being - https://apple.co/4qcqfCpLearn more about:

Stop Guessing W/ Your Money FREE Webinar: https://www.anthonyoneal.com/stopguessingIn today's episode, I'm breaking down my updated, step-by-step paycheck routine for 2026. Whether you're starting over, drowning in debt, or just ready to reset, this is the exact system I'd use to build real financial freedom—no hype, just structure. We're talking about automating your bills, building margin, setting up your emergency fund, investing for your future, and paying off debt for good. I want you to enjoy your money, not just work for it.I'll walk you through every step, from covering your needs to building multiple streams of income, and why generosity is the secret weapon for wealth. Plus, I'll show you how to position yourself for the biggest wealth transfer in history—so you're not left behind.Mentioned Websites & Resources:High-Yield Savings Accounts: https://anthonyoneal.com/savingsAI Automation Bootcamp: https://anthonyoneal.com/ai-automationsFree Debt Snowball eBook & Resources: https://anthonyoneal.com (navigate to “Free Resources”)Debt Relief Assessment: https://anthonyoneal.com/debtreliefOpen a Brokerage/Investment Account: https://anthonyoneal.com/investTherapy Resource: https://anthonyoneal.com/therapyUnion Church: https://theunionchurch.comTimestamps:0:00 – Why 2026 is different for your money2:00 – The paycheck routine that works for any income4:00 – Automate your minimum payments (and why it matters)6:00 – Cover your needs: budgeting for real life8:45 – Building margin & your emergency fund12:00 – How to invest for your future (22–25% rule)20:30 – The debt snowball method explained28:00 – Building multiple streams of income33:00 – Why generosity is the best wealth secret40:00 – Permission to enjoy your money—without guiltDrop a comment below:Which step are you working on first? Are you automating your bills, building your emergency fund, or starting to invest? Let's get free together, family.Links Recap (as mentioned in the show):https://anthonyoneal.com/savingshttps://anthonyoneal.com/ai-automationshttps://anthonyoneal.com/debtreliefhttps://anthonyoneal.com/investhttps://anthonyoneal.com/therapyhttps://theunionchurch.comABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

An employee is on vacation in the mountains when it happens: “I left my laptop at home.” Instead of scrambling, the employee logs into a virtual desktop from another device, pulling up what looks and feels like their own PC, delivered through the cloud. That simple moment captures how Steve Shimizu describes Omnissa's mission—helping companies enable a digital employee experience that allows people to work from anywhere, on any device, he tells us.For Shimizu, this practical use case reflects a broader evolution in end-user computing. What began with desktop computers moved to laptops and mobile devices, and now extends to “everything” that consumes data—from retail scanners to cars, Shimizu tells us. Omnissa operates at that expanding edge, supporting both physical and virtual endpoints while helping employees stay productive regardless of location.That same blend of flexibility and discipline shapes how Shimizu thinks about the company's growth. Although Omnissa emerged from a carve-out, he resists the startup label. Running a multi-billion-dollar organization with thousands of employees is more like earning a pilot license and being handed a “747” as your first plane, he tells us. Growth matters, but only when paired with financial stability—what he calls “profitable growth.”Finance plays a central role in that balance. Shimizu explains that real partnership comes from moving beyond surface-level metrics and “double-clicking” into the data until it becomes actionable. Just as importantly, finance must revisit those decisions, measuring what worked and what didn't, to guide the company through its next phase of transformation, he tells us.

Scientific Sense ® by Gill Eapen: Prof. Antoinette Schoar is Professor of Finance at MIT Sloan School of Management. Her research interests span from entrepreneurial finance to household finance, fintech, cryptocurrencies, and financial intermediation. Please subscribe to this channel:https://www.youtube.com/c/ScientificSense?sub_confirmation=1

Feb 6, 2026 – Chris Puplava, Chief Investment Officer at Financial Sense Wealth Management, analyzes the recent tech sector sell-off, the disruptive impact of AI advancements like Claude Legal, and the broader market implications for investors...

Feb 6, 2026 – Jim Puplava and Asbury Research's John Kosar break down the evolving stock market landscape—from the Dow's record highs and sector shifts to the underperformance of Big Tech. Kosar reveals how market internals, like the drop...

Krista Hynes, a financial coach and money management expert who helps high net worth pre-retirees and ambitious female professionals take control of their finances and shape a secure, fulfilling future.Through her fee-based investment services, risk management strategies, and hands-on financial coaching, Krista guides clients to make confident, informed decisions that align with their goals and values.Now, Krista's journey of building her business while juggling growth, opportunity, and an overflowing schedule demonstrates the resilience it takes to lead with both ambition and balance.And while navigating the ever-evolving world of finance, she's creating space for women to build wealth with clarity, confidence, and purpose.Here's where to find more:https://www.linkedin.com/in/krista-lee-4709b232a/________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

Crypto News: Bitcoin and altcoins see a small price recovery after the massive selloff this week. Ripple outlines institutional DeFi blueprint for XRPL with compliance-focused infrastructure positioning XRP as settlement and bridge asset. XRP DeFi opens to institutions as Hex Trust adds custodial FXRP access.Brought to you by

On this episode of The Real Money Show, presented by Guildhall Wealth, Jeremy Wiseman and Jerry Correia break down the recent surge and pullback in silver and explain why volatility and “dislocation” are classic features of a real bull market — not signs of weakness. As paper contracts were aggressively sold to meet margin calls, physical demand surged, inventories vanished, and premiums exploded worldwide. Jeremy and Jerry point to bank failures, leveraged unwinds, and collapsing derivatives as evidence that this selloff is paper carnage, not physical selling. They also examine the U.S. government's move to classify silver as a critical mineral and launch a multi-billion-dollar strategic stockpile under Project Vault, a shift that could permanently change the precious metals landscape. The Real Money Show airs Saturdays at 1 p.m. ET on Rebel News. Jeremy and Jerry will share expert insights on safeguarding your savings, diversifying your portfolio, and building long-term financial security. Since 2002, Guildhall has guided investors through inflation, market volatility, and global uncertainty, helping everyday people make informed financial decisions.

On this episode of The Real Money Show, presented by Guildhall Wealth, Jeremy Wiseman and Jerry Correia break down the recent surge and pullback in silver and explain why volatility and “dislocation” are classic features of a real bull market — not signs of weakness. As paper contracts were aggressively sold to meet margin calls, physical demand surged, inventories vanished, and premiums exploded worldwide. Jeremy and Jerry point to bank failures, leveraged unwinds, and collapsing derivatives as evidence that this selloff is paper carnage, not physical selling. They also examine the U.S. government's move to classify silver as a critical mineral and launch a multi-billion-dollar strategic stockpile under Project Vault, a shift that could permanently change the precious metals landscape. The Real Money Show airs Saturdays at 1 p.m. ET on Rebel News. Jeremy and Jerry will share expert insights on safeguarding your savings, diversifying your portfolio, and building long-term financial security. Since 2002, Guildhall has guided investors through inflation, market volatility, and global uncertainty, helping everyday people make informed financial decisions.

Brad Stulberg experienced a severe mental health crisis in his early 30s, battling OCD, intrusive thoughts, anxiety, and suicidal ideation while outwardly succeeding as a performance coach. This disconnect between his external achievements and internal struggles pushed him to reevaluate how he defined success and excellence. Through therapy, psychiatry, and extensive research, he developed six principles of groundedness to support sustainable success during both good and difficult times. In this episode, Brad explains how groundedness can reduce burnout and promote long-term mental health, wellness, and performance. In this episode, Hala and Brad will discuss: (00:00) Introduction (02:29) Brad's Career Path to Performance Coaching (07:25) The 2017 Mental Health Crisis and OCD (18:53) The Science Behind Groundedness (21:01) Understanding Heroic Individualism (34:10) The Six Principles of Groundedness  (44:09) Developing Patience for Long-Term Success (49:53) How Vulnerability Builds Real Confidence (54:53) Embracing Emotional Flexibility for Wellness (57:11) The Importance of Building Deep Community (01:03:02) How Movement Supports Mental Health Brad Stulberg is a bestselling author, executive coach, and researcher focused on mental health, sustainable success, and human performance. He regularly contributes to The New York Times, and his work has been featured in The Wall Street Journal, The Washington Post, among other outlets. In his coaching practice, Brad works with executives, entrepreneurs, physicians, and athletes on their mental skills and overall well-being. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting. Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. See experian.com for details. Huel -  Get all the daily nutrients you need with Huel. Grab Huel today and get 15% OFF with my code PROFITING at huel.com/PROFITING.  Resources Mentioned: Brad's Book, The Practice of Groundedness: bit.ly/Groundednes  Brad's Book, Peak Performance: bit.ly/Per4mance  Brad's Instagram: instagram.com/bradstulberg/  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Biohacking, Motivation, Manifestation, Brain Health, Life Balance, Self-Healing, Positivity, Happiness, Sleep, Diet

Stop Guessing FREE Webinar (Feb. 10): https://www.anthonyoneal.com/stopguessingWhat if $1,000 could change your entire financial future?In this episode, I break down the simple wealth formula that anyone—yes, anyone—can use to turn a small investment into a million-dollar legacy.Whether you're a parent, single, or just starting out, this isn't about politics or handouts. It's about the mindset, math, and moves that build real wealth for you and your family.I'll show you:• How $1,000 can become $1 million (with real numbers)• The 3 scenarios that change everything• Why most people miss out—and how you can win• The steps to start building generational wealth todayDon't let another year go by without making your money work for you.Watch now and take the first step toward your legacy.Watch now to learn:• Who qualifies for the $1,000 Trump Account• How to turn a small investment into millions• The 3 scenarios that could change your family's future• Why legacy matters more than politicsDon't miss this. Your future self—and your family—will thank you.ABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

Unete al grupo de inversión:https://www.youtube.com/channel/UCy5-O9CmBVndvL6Kz_BP3-w/join Escucha mi Audiolibro: De Novato a Inversionista - El ABC de la Bolsa de Valoreshttps://bit.ly/NovatoInversionista Toma el control de tu tiempo y estudia tu universidad en línea avalada por la SEP en Hybridge:https://hybridge.education/universidad-en-linea-sptf-emprendeduros Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How to Finance Your First Hunting Property: Expert Land Lending Secrets | 100% Wild Ep. 460 Welcome to the premiere of our new special series, Cultivating Value, powered by Buckland Funding! In this first installment, Matt Drury and Tim Kjellesvik are joined by land lending experts Megan Cheek and Jamie Whitaker to pull back the curtain on the often-intimidating world of recreational land financing. Whether you are a first-time buyer dreaming of your own 20-acre sanctuary or a seasoned investor looking to flip a prime Midwest tract, this episode breaks down the nitty-gritty details of down payments, debt-to-income ratios, and credit scores. We dive deep into why treating land as an inflation hedge is a smart move in today's market and how to position yourself with a pre-approval so you don't miss out when that perfect piece of ground finally hits the market.   The conversation doesn't stop at the bank; we explore the psychological hurdles of taking the "scary plunge" into land ownership and the strategic benefits of 1031 exchanges for long-term wealth building. From analyzing Class-A soil productivity to understanding the impact of road access and easements on resale value, Megan and Jamie provide the "concierge" coaching every landowner needs. Plus, stay tuned until the very end for a massive DeerCast announcement regarding a new feature that will completely change how you analyze the topography and "nooks and crannies" of your property. 00:00:50 – Introduction to the "Cultivating Value" special series  00:02:40 – The Series Roadmap: Improving habitat to increase property value  00:05:35 – The origin of Buckland Funding: A bank built by hunters, for hunters  00:07:00 – Concierge Coaching: What makes a specialized land lender different?  00:10:40 – Credit Scores and Financials: What do lenders actually look for?  00:14:40 – The 25% Rule: Understanding down payments and leveraging equity  00:17:15 – Debt-to-Income (DTI): Finding the right size farm for your budget  00:20:45 – Refinancing Strategies: When does it make sense to cut your rate?  00:26:00 – Time vs. Risk: Should you pay off your home before buying land?  00:32:15 – The Power of Pre-Approval in a tight land market  00:43:00 – Logging & Timber Value: How resource management affects your loan  00:49:40 – 1031 Exchanges vs. Paying the Piper: Tax strategies for flippers  01:00:30 – Value Driver Challenge: Soil quality, access, and liquidity  01:12:10 – DeerCast Feature Launch: Lidar Maps and high-resolution topography  Join the Rack Pack Facebook Group :   / n73gskjt7bfb2ngc   Get ahead of your Game with DeerCast available on iOS and Android devices App Store: https://itunes.apple.com/us/app/deerc... Play Store: https://play.google.com/store/apps/de... Don't forget to stock up for your next hunt! 1st Phorm has you covered! Protein Sticks: https://1stphorm.com/products/protein... Level-1 Bars: https://1stphorm.com/products/level-1... Energy Drinks: https://1stphorm.com/products/1st-pho... Hydration Sticks: https://1stphorm.com/products/hydrati... Send us a voice message on Speakpipe! https://www.speakpipe.com/100PercentW... For exciting updates on what's happening on the field and off, follow us on social Facebook:   / officialdruryoutdoors   Instagram: @DruryOutdoors X:  @DruryOutdoors  Be sure to check out http://www.druryoutdoors.com for more information, hunts, and more! Music provided by Epidemic Sound http://player.epidemicsound.com/ #dodtv

Feb 6, 2026 – What just happened to silver? After a historic crash wiped out billions, is the bull market already over? In this critical interview, Jim Puplava sits down with The Morgan Report's Dave Morgan to dissect the violent sell-off and its stunning aftermath....

Feb 3, 2026 – Are the tides turning for tech and global markets? FS Insider's Cris Sheridan and Sevens Report founder Tom Essaye dive into 2026's major market rotations, from the shifting fortunes of big tech and AI to the explosive...

Crypto News: Bitcoin had a major crash today going below $60K as the crypto bear market ramps up. Brought to you by

In this episode, we are doing something a little different. Casey Nelson and I hosted an open call live one day and we called it the lazy river. WE wanted to invite people to "float in and hang out ad float out. Ive provided a few clips here for you guys to check out. WE will release the whole 2 hours some day soon... but for now this clip is about authentic leadership, engaging communication, and innovative work practices that can transform organizations. Whether you're speaking on stage, building relationships, or managing teams remotely, these insights provide practical strategies to lead with confidence.Key Topics:The importance of genuine interactions and how authenticity impacts leadership credibilityStrategies for modularizing content to adapt in dynamic speaking environmentsMemorable name drop stories and their impact on personal brandingTips for effective networking at high-profile events like Bill Gates's houseHow to test and engage audiences during keynote speechesThe role of diversity and gender dynamics in leadership credibilityFuture workplace trends: remote work, flexibility, and the four-day workweekLeveraging your unique strengths and circumstances to attract and retain talentPractical tips for transitioning from traditional to hybrid or virtual formatsTimestamps:00:00 - The value of authentic interactions and sharing personal stories02:24 - Memorable name drops and their role in networking04:41 - Insights from high-profile meet-and-greets and leadership impressions06:03 - Authenticity as a female CEO and gender dynamics in leadership08:28 - The power of candid panel discussions and last-minute updates09:28 - Modularizing content for impactful speaking engagements11:20 - Testing audience engagement in real-time during speeches12:50 - Perspectives on remote work, office culture, and flexibility14:45 - The future of work: four-day weeks and employee well-being16:20 - Strategies for small businesses to compete with large organizations17:13 - Wrapping up with humor and connecting through genuine communicationSPONSORS:Smart ChoiceCanopy ConnectMAV

Retirement planning is becoming more complex as careers grow less linear, lifespans extend, and financial decisions start earlier in life. From early-career savers to small business owners and those approaching retirement, people are asking how to build financial security while staying flexible in an unpredictable world.In this Ask Me Anything episode of The Bid, host Oscar Pulido is joined by Jaime Magyera, Head of BlackRock's U.S. Wealth Advisory and Retirement Businesses, to answer listener-submitted questions on retirement realities. Jaime shares perspectives drawn from her work with individual savers, financial advisors, and small business owners across the country.The conversation reframes retirement as the freedom to choose what comes next, rather than a fixed end point. Jaime discusses the importance of starting early, maintaining discipline through market cycles, and building plans that can adapt as careers, families, and goals evolve. The episode also explores the role of professional advice, the challenges facing non-traditional career paths, and why preparation — not prediction — is central to long-term financial resilience.Key insights include:• Why retirement is best viewed as a transition, not a destination• How starting early and staying invested can shape long-term outcomes• Why flexible planning matters for non-linear careers and families• What advisors should consider when working with small business owners• How professional advice differs from social and digital guidance• Why preparedness and emergency savings support financial resilienceKey moments in this episode:00:00 Introduction to The Bid00:50 Meet Jamie Magyera: Insights on Retirement Planning01:48 Transitioning into Retirement: Key Considerations04:05 Financial Planning for Younger Generations06:41 Non-Traditional Retirement Timelines09:56 Advisors and Small Business Owners: Planning for the Future12:45 How To Build Long-Term Client Relationships15:33 The Value of Professional Financial Advice17:28 Conclusion and Key Takeaways18:16 Closing Remarks and Up Nextretirement planning, financial security, wealth planning, capital markets, long-term investing,Sources: BlackRock's Read On Retirement Survey, September 2025This content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener. Reference to any company or investment strategy mentioned is for illustrative purposes only and not investment advice. In the UK and non-European Economic Area countries, this is authorized and regulated by the Financial Conduct Authority. In the European Economic Area, this is authorized and regulated by the Netherlands Authority for the Financial Markets. For full disclosures, visit blackrock.com/corporate/compliance/bid-disclosures.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The holidays are behind us; you know what that means—it's tax season! But before you start gathering your W-2s and receipts, there's an important question: Do you know who will prepare your taxes this year?With a nationwide shortage of Certified Public Accountants (CPAs) and tax professionals, waiting too long to find a preparer could leave you scrambling—and vulnerable to scams. Here's how to protect yourself and find a trusted tax preparer.Who Can Prepare Your Taxes?When hiring a tax professional, your preparer will likely fall into one of three categories:Certified Public Accountant (CPA): These professionals undergo rigorous education, exams, and licensing requirements. Many specialize in tax preparation and can also provide broader financial guidance.Enrolled Agent (EA): Licensed by the IRS, EAs are tax experts who can prepare and file returns, represent clients before the IRS, and provide tax planning services.Tax Attorney: These legal professionals specialize in tax law and are particularly useful for complex tax situations, audits, or disputes.Each of these professionals is highly qualified—but the problem is there aren't enough of them.There is a growing shortage of CPAs and tax professionals, largely due to fewer young people entering the field. One of the major "Big Four" firms, KPMG, continues to offer high school students internships at $22 an hour to encourage them to become CPAs.What does this mean for you?Longer wait times to book a tax preparerHigher fees due to increased demandGreater risk of falling into the hands of fraudulent preparersWhen people are desperate to file their returns, they can become easy targets for scammers who fake credentials or engage in tax fraud.How to Avoid Tax Scams and Find a Qualified PreparerTo protect yourself, follow these IRS-recommended steps when choosing a tax preparer:1. Choose a Year-Round Tax PreparerA reputable preparer should be available year-round. You don't want your tax preparer to disappear if you get audited.2. Verify Their IRS CredentialsAsk for the IRS Preparer Tax Identification Number (PTIN). All paid tax return preparers must register with the IRS and enter their PTIN on every return they file.Check their status using the IRS Directory of Federal Tax Return Preparers at IRS.gov.3. Look for Professional CredentialsAsk if the preparer holds a credential such as:CPA (Check with the State Board of Accountancy)Enrolled Agent (Verify at IRS.gov under "Verify Enrolled Agent Status")Tax Attorney (Confirm with their State Bar Association)Additionally, inquire about continuing education, as tax laws change frequently; professionals should stay current.4. Be Cautious About FeesBeware of tax preparers who:Charge fees based on a percentage of your refundClaim they can get you a larger refund than competitorsA legitimate preparer should charge a flat or hourly rate based on the complexity of your return.5. Verify IRS E-File CapabilityMost tax preparers handling more than 10 clients must file electronically. If your preparer refuses to e-file, that's a red flag.6. Ensure Proper DocumentationA trustworthy tax preparer will ask for the following:Your W-2 and 1099 forms (not just a pay stub)Records of deductions and creditsIf a preparer doesn't ask for supporting documents, walk away. The IRS requires proper documentation to verify your return.7. Understand Representation RulesOnly CPAs, Enrolled Agents, and tax attorneys can represent you before the IRS if you're audited. Non-credentialed tax preparers—including your math-savvy cousin Bill—cannot represent you in an audit.8. Never Sign a Blank or Incomplete Tax ReturnPlease review your return carefully before signing. Ensure all information is accurate, and ask questions if anything appears incorrect.9. Your Refund Should Go to You—Not the PreparerCheck the routing and account number on your tax return to ensure your refund is deposited into your own account, not your preparer's.Looking for a Faith-Based Financial Professional?If you want to work with a tax professional who aligns with biblical financial principles, consider finding a CPA, Enrolled Agent, or tax attorney with the Certified Kingdom Advisor (CKA®) designation. To find a trusted, faith-based tax professional, visit FindaCKA.com. With tax season here, choosing a reputable, qualified tax preparer is more important than ever. Don't wait until the last minute—start your search today to avoid scams and ensure your taxes are filed accurately and ethically.On Today's Program, Rob Answers Listener Questions:I have long-term care insurance and want to know if it covers assisted living, and for how long. Also, how expensive are these policies—what's the range?I'm 45 and looking to buy a house with a 30-year mortgage. Is that a wise move since I'd be nearing retirement by the time it's paid off?I'm remodeling our bathroom for my husband, who has Parkinson's, and it will cost about $25,000–$30,000. Is it better to take the money from my 401(k) or from equity in our paid-off home?My husband is retired, and when he tries to claim disability, they tell him he can't because of my income since we file jointly. Should we be filing separately?My mom may receive a settlement of around $300,000 after my dad passed. She wants to save some for the grandchildren. How will that affect taxes, insurance, and Medicare, since her income would change?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Movement MortgageOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Corbin (@CHosler), DJ (@CardgardenMTG), and Cass (@devotedDruid) are tackling the discourse around choose your own price secret lairs, the Pro Tour, and more. Check us out on Youtube because everything is better with video. https://www.youtube.com/BrainstormBrewery 

MacroVoices Erik Townsend & Patrick Ceresna welcome, Dr. Anas Alhajji. They'll discuss the events that have transpired in energy markets since Dr. Alhajji's last interview in November. they'll also cover all the big geopolitical risks, and then end on the three big events he's watching in this week's energy markets. https://bit.ly/4qfojcf  

(February 05, 2026) Host of ‘How to Money’ Joel Larsgaard joins the show to discuss Americans refusing to reduce their travel budgets, Chinse EVs, and in-car ads incoming. The treaty limiting U.S. and Russian nuclear arms expired… what to know. Why a 2026 World Cup boycott is unlikely to be successful.See omnystudio.com/listener for privacy information.

Crypto News: Democrats meet to discuss passing Clarity Act. Wall Street giant CME Group is eyeing its own 'CME Coin,' CEO says. Michael Burry shares bearish post on Bitcoin.Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/

Faith-based investing has expanded dramatically in recent decades. What began as a niche concept—often misunderstood or difficult to implement—has grown into a global movement driven by conviction, transparency, and a renewed understanding of stewardship. Today, new tools are opening fresh doors for Christians who want their investing to reflect biblical values.Among the most discussed innovations are exchange-traded funds (ETFs), which offer investors greater flexibility and access. To explore the growing opportunity, we spoke with Brian Mumbert, President of Timothy Plan and a long-time pioneer in Faith-Based Investing.From Idea to Movement: The Story Behind Timothy PlanBefore ETFs and portfolio screens were commonplace, Timothy Plan helped shape the language and frameworks believers use today to think about investing.“Back in the early 90s, Timothy Plan was really just an idea,” Mumbert recalls. “In 1994, that idea became a mutual fund aimed to serve non-denominational pastors. Our very first slogan asked, ‘How much is okay to invest in abortion or pornography?' And the answer is simple—none.”The motivation wasn't merely strategic—it was theological. It pushed Christians to wrestle with a deeper question: If God owns it all, how would He want us to invest what He has entrusted to us?Over time, what began as a single fund evolved into a broader conversation about alignment between faith, stewardship, and financial markets. Three decades later, Mumbert describes Faith-Based Investing not merely as a strategy, but as a movement—one that begins “with the heart” and calls believers to steward God's resources rather than treat them as their own.What's Driving the Momentum Today?While conviction hasn't changed, the landscape around investing has. Mumbert points to one factor in particular: information.“When we started, it was incredibly hard to access meaningful information about companies—what they owned, where they profited, or whether their business practices aligned with biblical values,” he explains. Today, the opposite is true. Digital media, public disclosures, and social platforms constantly reveal what companies support and how they operate.That transparency has awakened discernment. Investors are asking new questions: What am I participating in? What am I profiting from? Is there a better alternative?With more options now available—across asset classes and risk profiles—momentum continues to build.ETFs Explained: Why They're Attracting Faith-Based InvestorsAmong the fastest-growing vehicles in the investing world are ETFs—exchange-traded funds. For those less familiar, Mumbert offers a simple explanation:“ETFs hold a basket of investments and trade throughout the day like a stock. They generally offer lower fees, greater transparency, and the ability to buy or sell at any point during the trading day.”Mutual funds remain a valuable entry point for many investors, but ETFs introduce distinctive advantages:Lower average costsPassive, rules-based strategiesReal-time liquidityFull disclosure of holdingsEase of access across platformsAnd most importantly for Faith-Based Investing, greater transparency reinforces values alignment.What Sets Timothy Plan's ETFs Apart?While the vehicle may be new, the convictions behind Timothy Plan's offerings remain unchanged.“Every Timothy Plan product is pro-life and pro-family,” Mumbert emphasizes. “Our ETFs are screened and filtered the same way as our mutual funds. The convictions haven't changed—just the investment vehicle.”Timothy Plan also employs volatility-weighted strategies designed to prevent oversized company exposure, helping reduce the impact of major market corrections.A Growing Opportunity for Purpose-Driven InvestorsThe rise of ETFs represents more than access—it represents maturation within Faith-Based Investing. With stronger tools, better research, and expanding product sets, Christians now have more opportunities than ever to align their portfolios with their values.For Mumbert, that alignment is not merely practical; it's an expression of stewardship.“It's really about how God would have us invest the money He's entrusted to us.”As the ecosystem grows, so does the hope that more investors will embrace that vision—not out of obligation, but out of conviction shaped by faith.If you're exploring how to bring greater alignment between your financial decisions and your values as a follower of Christ, Faith-Based Investing continues to expand with new tools, new research, and more accessible investment vehicles. To learn more about faith-aligned investment strategies, visit TimothyPlan.com to explore their ETFs, mutual funds, and educational resources.On Today's Program, Rob Answers Listener Questions:I'm 60 and living off mutual funds with no income. My expenses are about $2,024 a month, so my savings will run out in about two years. I have health challenges and can't work, and Social Security Disability hasn't been approved yet. I'm looking for affordable housing options and Medicare/health insurance solutions.My wife passed away recently, and she handled all our finances. I haven't paid bills in 25 years and don't have a budget. I'm closing some credit cards, but I'm not sure what to do next or where to turn for help.I'm 66 and considering paying off my mortgage. We can afford the payments, but I could pay them off using less than 10% of my 401(k). Should I do that, or just keep making monthly payments?We can't qualify for Chapter 7 bankruptcy, and we're being sued for a loan tied to a vehicle that died. I'm not sure whether Chapter 13 or debt consolidation makes more sense once you factor in legal fees and total cost.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Timothy PlanOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textHelping too much creates helplessness. In this episode, we expose how rescuing, overfunctioning, and emotional buffering quietly weaken confidence and reinforce victim thinking. We unpack why stepping in feels responsible, loving, and necessary in the moment, yet slowly teaches people to question their own competence and resilience. Through real stories and psychologically grounded insight, we challenge the habits that turn support into sabotage.This episode is for parents, partners, leaders, and growth-minded humans who want to empower instead of enable, guide instead of control, and build strength that holds under pressure. Do not just agree with this message. Let it change how you intervene, protect, and lead.Here are the related episodes, each one builds on today's conversation:#457 | Polyvagal Theory: The Key to Well-Being - https://apple.co/4qcqfCp #459 | What Your Family System Role Says About You - https://apple.co/4qma0n1Learn more about:

Frank Rohde is the Founder and CEO of Ownify, a fractional homeownership platform pairing institutional and impact investors with qualified first-time buyers to make homeownership more accessible. With a 20+ year career at the intersection of finance, credit analytics, and technology, Frank previously led Nomis Solutions, scaling it into a global mortgage pricing engine used by top banks. Earlier roles include leadership at FICO, founding the early online insurer eCoverage, and launching AI models before it was trendy. Born in Germany, Frank is a former national whitewater kayaking champion, marathon runner on all seven continents, and lifelong reader—now channeling that energy into building a path between renting and owning, one Brick by Brick™.(01:51) - Why Homeownership Is Broken(04:10) - Ownify model(06:03) - How Fractional Ownership Works(13:08) - Ownify Benefits for First-time Homebuyers(16:11) - Homeowner & Investor Alignment(23:21) - Feature: CREtech New York Oct. 20–21(24:09) - Event Opportunities(25:38) - All-Cash Offers Explained(32:40) - Underwriting & Risk Management(35:47) - Investor Returns(38:48) - Market Expansion(41:37) - Policy & Regulatory Headwinds(44:04) - Collaboration Superpower: Elon Musk

Patrick McKenzie (patio11) reads an essay about the business of check cashing, a misunderstood industry. He explains why cashing a check is actually a "new credit extension" where the bank bets on both the writer and the payee, and why profit-maximizing institutions often decline to bank individuals who represent even a "material risk" of a single bounced check. From the manual "rituals" of endorsement to the way fintechs like Ingo Money and Cash App use persistent identity to narrow the risk envelope, Patrick examines the technical and social reasons why some people pay to access their own wages, others don't, and whether we can do anything about that.–Full transcript available here: www.complexsystemspodcast.com/check-cashing/–Presenting Sponsor: Mercury Complex Systems is presented by Mercury—radically better banking for founders. Mercury offers the best wire experience anywhere: fast, reliable, and free for domestic U.S. wires, so you can stay focused on growing your business. Apply online in minutes at mercury.com.Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.–Links:Bits about Money: www.bitsaboutmoney.com/archive/the-business-of-check-cashing/ –Timestamps:(0:00) Introduction(2:15) Check cashing(2:57) An oversimplified explanation of check presentment(5:48) Depositing a check requires an extension of credit(10:47) How cashing a check works if you're not banked(12:16) A brief aside about endorsement(14:39) Many people hate check cashing and everything about it(17:06) The internal logic behind that pricing grid(19:59) Sponsor: Mercury(21:36) The internal logic behind that pricing grid (continued)(23:10) Persistent  identities as a KYC possibility(25:12) A brief discussion about class distinctions in America(30:45) Check cashing on phones(34:28) Outro

There are five rental property loans nobody talks about. 99% of people have never heard of them.  0% down payments. 5% interest rates. No W-2 needed. The loans we're talking about today offer these benefits and (much) more. So, what are they, and why hasn't anyone told you about them? If you've felt it was impossible to get a mortgage for your first or next rental property, the five investment property loans we're sharing will change your mind. First, we're talking about a mortgage with 5% interest rates, 0% down, and no closing costs. There's a catch—but we think it's well worth it. Next, a no-money-down loan that 97% of America will qualify for—there's a good chance your next home will qualify for it, too. Then, a sneaky way to get around the bank and get a lower interest rate, down payment, or both. Want a 3% mortgage rate like back in 2020? There's only one way to get it. Plus, for our self-employed and business-owner listeners, there's one loan that doesn't require a W-2.  In This Episode We Cover Five game-changing rental property loans flying under the radar (low rates, no money down) No W-2? No problem! There's one loan that self-employed investors must try  Want your first property but have a lower income? This mortgage was designed for you  How to buy a rental property without using a bank (and get much better terms) The only loan that lets you lock in a 3% rate (yes, that's right) in 2026  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1235 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this exciting episode of The Edge of Show! furnished by PR Genius as part of a media partnership, join us as we dive deep into the world of tokenized equity with Ultan Miller, CEO of Hecto, discover how Hecto is revolutionizing access to private market investments by launching the first tokenized index fund for companies like SpaceX, OpenAI, Stripe, and Anthropic.In this episode, we explore:The evolution of tokenized equity and why it matters right nowHow Hecto is streamlining access to pre-IPO and private market companiesThe concept of “hectocorns” and why $100B+ companies deserve their own asset classThe technical decision to build on the Canton Network and how it meets Wall Street–grade requirementsWhat's ahead for Hecto, including governance tokens and community-led initiativesExclusive listener access: Hecto is currently in beta, and Edge of Show listeners can get early access by using the invite code HectoF&F when signing up on their site.Whether you're a seasoned investor or just beginning to explore blockchain and crypto, this episode is packed with insights that will push you to rethink investing in the digital age.Don't forget to subscribe, rate, and leave a comment! Join the conversation and stay up to date on the latest in Web3 and AI by following us on social media.Support us through our Sponsors! ☕ Want to make content like ours? Sign up with Castmagic to make your creative process easy: https://bit.ly/CastmagicReferral Work smarter, grow faster. Automate your SEO, get AI insights, and manage all your clients in one place with Helm. Start today at helmseo.comAre you a content creator, podcaster or interested in your business getting its voice out there? Then reserve a .podcast domain by paying just one-time as little as $10 for a lifetime of benefits! Check out the details and snag your .podcast domain today! https://get.unstoppabledomains.com/podcast/

Send us a textAI is everywhere. Subscriptions are everywhere. And somehow, everyone feels more tired than helped. In this episode of the Mike & Blaine Podcast, we dig into the very real rise of AI fatigue and subscription fatigue—and why tools that promise speed and leverage often end up doing the opposite. Businesses keep layering on AI features, dashboards, and monthly tools, assuming more capability automatically means more value. Spoiler: it doesn't.We unpack how companies unintentionally train customers to cancel by over-selling potential and under-delivering practical outcomes. When software value lives in theory instead of day-to-day use, it's always the first line item to get cut. We talk about why underused tools feel expensive no matter the price, how AI has become a checkbox instead of a strategy, and why “just add AI” is not a business model.This conversation goes beyond tech trends and into real business strategy. If you're building products, pricing subscriptions, or running a company that relies on recurring revenue, this episode breaks down what real value actually feels like to customers—and how clarity, simplicity, and outcomes beat novelty every time. We also connect the dots between tool overload, decision fatigue, and why leadership teams are quietly overwhelmed even while spending more than ever on software.If you've ever looked at your stack and thought, “We should be getting way more out of this,” or wondered why customers churn even when your product is objectively powerful, this episode will hit uncomfortably close to home.Grab a drink, listen in, and if you enjoy the conversation, help keep the podcast going—visit https://mikeandblaine.com to buy us a beer

Feb 3, 2026 – When markets soar but Main Street struggles, what signals should you trust? In this episode, Peter Boockvar, author of The Boock Report, explores the implications of Trump's choice for new Fed Chair, the recent parabolic move...

Crypto News: Patrick Witt and Patrick mcHenry reveal timeline for passing of the clarity act. Billiton Diamond and tokenization firm Ctrl Alt have moved more than $280 million in certified polished diamonds on-chain in the UAE using Ripple's custody technology and the XRP Ledger. MetaMask adds tokenized US stocks, ETFs, commodities via Ondo.Brought to you by

After serving as CEO of ICR for nearly 30 years, Tom's role within the company is changing. Today, Tom sits down for a chat with his successor — the new CEO of ICR, Anton Nicholas.  After joining ICR in 2012, Anton eventually came to run ICR's consumer practice, and was subsequently tasked with managing the entire communications division. He has over 25 years of communications and advisory experience, having served in several senior positions at leading US and International public relations firms.  Anton joins us to discuss what sets ICR apart in the world of strategic communications, and how he aims to build on that legacy of excellence as he leads the company into the future.  Highlights:What sets ICR apart? (1:55)StratComs (5:18)Why ICR services are critical for management (6:34)ICR Capital (9:09) Services for Private Companies (12:04)Building Culture (14:48)Case Studies (16:47)Getting to know Anton (19:23)The benefit of ICR's network (20:35)ICR's 3-5 year outlook (23:34) Links:Anton Nicholas LinkedInICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co.

Many Americans are wondering whether the housing market has finally begun turning a corner—or if uncertainty is still here to stay. After years of elevated mortgage rates, stubbornly low inventory, and affordability concerns, the question feels more relevant than ever.Today, mortgage expert Dale Vermillion, author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home, joined the show to weigh in on what the 2026 housing landscape may look like and how today's buyers and sellers can navigate it with wisdom.A More “Normal” Market ReturnsAccording to Vermillion, the extreme swings of recent years may finally be behind us.“It isn't the market of 2020–2021 when rates were in the twos, threes, and fours,” Vermillion explains. “But it's also certainly not 2008. This is a very normal market.”He noted that although many think of today's mortgage rates as high, they are actually below the 30-year average. Inventory is rising, sales are stabilizing, and government attention on housing has increased. Together, these factors point toward a gradual shift into a buyer's market—a welcome change for those who've spent the last few years watching listings disappear before they could schedule a tour.A common frustration remains: if rates have risen, why haven't prices fallen faster?The answer is complex. While price increases largely flattened this year (+0.7%), Vermillion notes that the market remains regional rather than national. Certain areas have softened, but not enough to drive a nationwide price reset.A major reason: the “lock-in effect.” Millions of homeowners refinanced below 3% in 2020–21 and weren't willing to trade those rates for a higher one. But as Vermillion observes, that dynamic is fading. For the first time in years, more loans now exist above 6% than below 3%, allowing inventory to loosen.Why Fed Rate Cuts Don't Equal Lower Mortgage RatesEven though the Federal Reserve has been cutting rates, mortgage rates haven't always followed. That's because mortgage rates are tied more closely to the bond market, inflation data, and job reports—not directly to the Fed's benchmark rate.Another overlooked factor: mortgage-backed securities (MBS). When the government increases MBS purchases, mortgage rates often decline more reliably than when the Fed cuts consumer rates.The emotional side of the housing market can't be ignored. The bidding wars of 2020–21 left many would-be buyers discouraged. But Vermillion believes attitudes are shifting:“Inventory is up from roughly 450,000 units nationally early last year to over a million now. So from a buyer standpoint, it's time to be encouraged again.”With more sellers re-entering the market, buyers have choice again—and choice increases leverage.Vermillion stressed that affordability challenges today are driven as much by property taxes and insurance costs as by mortgage rates. Homeowners in several states have seen insurance premiums and assessments climb dramatically—sometimes outpacing wage growth.For aspiring first-time buyers, budgeting remains the first step. Vermillion's advice: determine what you can afford before visiting a lender, rather than letting a lender tell you what qualifies on paper.For First-Time Buyers: Get Pre-Approved, Not Pre-QualifiedA true pre-approval involves:A full applicationCredit checkIncome verificationDocumentation of debts and assetsThis makes offers more competitive and prevents buyers from shopping at unrealistic price points.During the pandemic boom, paying $20,000–$50,000 above asking price became the norm in many markets. Vermillion notes that this period has largely ended:“Homes today are selling around 94–97% of the listing price in most areas. We're not seeing bidding wars like before.”For buyers, that's stabilizing. For sellers, it simply resets expectations toward reality.Move-Up Buyers: Timing May Be Better Than You ThinkFor homeowners considering a move—whether for space, schools, or lifestyle—Vermillion's advice mirrors that given to first-time buyers: set a realistic budget and lean on wise counsel.Sellers should also invest in preparing their homes to show well, as presentation still drives both speed and price.Vermillion believes 2026 may be a strategic window:“I think this is the year to do it. Rates may come down a little more, but not dramatically. Buyers and sellers who plan well and manage expectations can succeed in this environment.”From a stewardship standpoint, the takeaway is simple: markets change, rates fluctuate, and headlines swing. But Christians are invited to place their confidence not in economic cycles but in the Lord, “who establishes our steps” (Proverbs 16:9).A wise plan, a realistic budget, and sound counsel can go a long way—especially in a year where the housing market is finally beginning to level out.On Today's Program, Rob Answers Listener Questions:I'm looking for a trustworthy and affordable tax preparation service. Are there any organizations I should avoid? And are there any Christian-based or low-cost options—especially for seniors?I'm turning 65 soon, and I'm debt-free. I want my condo to go to my children when my wife and I pass away. Should I use a will, put them on the deed, or create a trust? What's the best approach?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Navigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You have a budget and an emergency fund (or at least know you need both) - but you want to go deeper. What else do you need to know about managing your money? Ever heard of capturing the carry on your debt, for example? Finance experts share their top tips on handling debt, investing, taxes and more.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Our Chief Cross-Asset Strategist Serena Tang and senior leaders from Investment Management Andrew Slimmon and Jitania Kandhari unpack new investment trends from supportive monetary and fiscal policy and shifting market leadership. Read more insights from Morgan Stanley.----- Transcript -----Serena Tang: Welcome to Thoughts on the Market. I'm Serena Tang, Morgan Stanley's Chief Cross Asset Strategist. Today we're revisiting the 2026 global equity outlook with two senior leaders from Morgan Stanley Investment Management. Andrew Slimmon: I am Andrew Slimmon, Head of Applied Equity Team within Morgan Stanley Investment Management. Jitania Kandhari: And I'm Jitania Kandhari, Deputy CIO of the Solutions and Multi-Asset Group, Portfolio Manager for Passport Strategies and Head of Macro and Thematic Research for Emerging Market Equities within Morgan Stanley Investment Management.It's Tuesday, February 3rd at 10 am in New York. So as investors are entering in 2026, after several years of very strong equity returns with policy support reaccelerating. As regular listeners have probably heard, Mike Wilson, who of course is CIO and Chief Equity Strategist for Morgan Stanley – his view is that we ended a three-year rolling earnings recession in last April and entered a rolling recovery and a new bull market. Now, Andrew, in the spirit of debate, I know you have a different take on valuations and where we are at in the cycle. I'd love to hear how you're framing this for investment management clients. Andrew Slimmon: Yeah, I mean, I guess I focus a little bit more on the behavioral cycle. And I think that from a behavioral cycle we're following a very consistent pattern, which is we had a bad bear market in 2022 that bottomed down 25 percent. And that provided a wonderful opportunity to invest. But early in a behavioral cycle, investors are very pessimistic. And that was really the story of [20]23 and really 2024, which were; investors, you know, were negative on equities. The ratios were all very negative and investors sold out of equities. And that's consistent with a early cycle. And then as you move into the third-fourth year, investors tend to get more optimistic about returns. Doesn't necessarily mean the market goes down. But what it does mean is the market tends to get more volatile and returns start to compress, and ultimately, bull markets die on euphoria. And so, I think it's late cycle, but it's not end of cycle. And that's my theme; is late cycle but not end of cycle.Serena Tang: And I think on that point, one very unusual feature of this environment is that you have both monetary and fiscal policy being supportive at the same time, which, of course, rarely happens outside of recession. So how do you see those dual policy forces shaping market behavior and which parts of the market tend to benefit? Andrew Slimmon: Well, that's exactly right. Look, the last time I checked, page one of the investment handbook says, ‘Don't fight the Fed.' And so, you have monetary policy easing. And what we; remember what happened in 2021? The Fed raised rates and monetary policy was tightening. Equities do well when the Fed is easing, and that's one of the reasons why I think it's not end of cycle. And then you layer in fiscal policy with tax relief coming, it is a reason to be relatively optimistic on equities in 2026. But it doesn't mean there can't be bumps along the way – and I think a higher level of optimism as we're seeing today is a result of that. But I think you stick with those more procyclical areas: Finance, Industrials, Technology, and then you move down the cap curve a little bit. I think those are the winning trades. They really started to come to the fore in the second half of last year, and I think that will continue into 2026. Serena Tang: Right. And we've definitely seen some bumps recently, but I think on your point around yields. So, Jitania, I think that policy backdrop really ties directly to your idea of the age of capped real rates. In very simple terms, can you explain what that means and what's behind that view? Jitania Kandhari: Sure. When I say age of real rates being capped, I mean like the structural template within which I'm operating, and real rates here are defined by the 10-year on the Treasury yield adjusted for CPI.Firstly, I'd say there was too much linear thinking in markets post Liberation Day. That tariffs equals inflation equals higher rates. Now, tariff impacts, as we have seen, can be offset in several ways, and economic relationships are rarely linear.So, inflation may not go up to the extent market is expecting. So that supports the case for capped rates. And the real constraint is the debt arithmetic, right? So, if you look at the history of public debt in the U.S., whenever there was a surge in public debt during the Civil War, two World Wars, Global Financial Crisis, even during COVID. In all these periods, when debt spiked, real rates have remained negative.So, there can be short term swings in rates, but I believe that markets not necessarily central banks will even enforce that cap. Serena Tang: You've described this moment, as the great broadening of 2026. What's driving this and what do you think is happening now after years of very narrow concentration? Jitania Kandhari: Yes. I think like if last decade was about concentration, now it's going to be about breadth. And if you look at where the concentration was, it was in the [Mag] 7, in the AI trade. We are beginning to see some cracks in the consensus where adoption is happening, but monetization is lagging. But clearly the next phase of value creation could happen from just the model building to the application layer, as you guys have also talked about – from enablers to adopters.The other thing we are seeing is two AI ecosystems evolve globally. The high cost cutting edge U.S. innovation engine and the lower cost efficiency driven Chinese model, each of them have their own supply chain beneficiaries. And as AI is moving into physical world, you're going to see more opportunities. And then secondly, I think there are limitations on this tariff policies globally; and tariff fears to me remain more of an illusion than a reality because U.S. needs to import a lot of intermediate goods And then lastly, I see domestic cycles inflecting upwards in many other pockets of the world. And you add all this up; the message is clear that leadership is broadening and portfolio should broaden too. Serena Tang: And I want to sort of stay on this topic of broadening. So, Andrew, I think, you've also highlighted, you know, this market broadening, especially beyond the large cap leaders, even as AI investment continues, I think, as you touched on earlier. So why does that matter for equity leadership in 2026? And can you talk about the impact of this broadening on valuations in general? Andrew Slimmon: Sure. So I think, you know, I've been around a long time and I remember when the internet first rolled out, the Mosaic browser was introduced in 1993. And the first thing the stock market tried to do is appoint winners – of who was going to win the internet, you know, search race. And it was Ask Jeeves and it was Yahoo and it was Netscape. Well, none of those were the winners. We just don't know who's ultimately going to be the tech winner. I think it's much safer to know that just like the internet, AI is a technology productivity enhancing tool, and companies are going to embrace AI just like they embraced the internet. And the reason the stock market doubled between 1997 and the dotcom peak was that productivity margins went up for a lot of companies in a lot of industries as they embraced the internet. So, to me, a broadening out and looking at lower valuations, it is in many ways safer than saying this is the technology winner, and this is technology loser. I think it's all many different industries are going to embrace and benefit from what's going on with AI. Serena Tang: You don't want to know where I was in 1993. And I don't recognize most of those names. Andrew Slimmon: Sorry. I was 14! Serena Tang: [Laughs] Ok. Investors often hear two competing messages now. Ignore the macro and buy great companies or let the big picture drive everything. How do you balance top-down signals with bottom-up fundamentals in your investment process? Andrew Slimmon: Yeah, I think you have to employ both, and I hear that all the time; especially I hear, you know, my competitors, ‘Oh, I just focus on my stock picks, my bottom up.' But, you know, look statistically, two-thirds of a manager's relative performance comes from macro. You know, how did growth do? How did value do? All those types of things that have nothing to do with what stock picks... And likewise, much of a return of an individual stock has to do with things beyond just what's happening fundamentally. But some of it comes from what's happening at the company level. So, I think to be a great investor, you have to be aware of the macro. The Fed cutting rates this year is a very powerful tool, and if you don't understand the amplifications of that as per what types of stocks work, because you're so focused on the micro, I think that's a mistake. Likewise, you have to know what's going on in your company [be]cause one third of term does come from actual stock selection. So, I'm a big believer in marrying a top down and a bottom up and try to capture the two thirds and the one third.Serena Tang: Since that 2022 bear market low that you talked about earlier. I mean, your framework really favored growth and value over defensives. But I think more recently you've increased your non-U.S. exposure. What changed in your top-down signals and bottom-up data to make global opportunities more compelling now? Is it the narrative of the end of U.S. exceptionalism or something else? Andrew Slimmon: No, I really think it's actually something else, which is we have picked up signals from other parts of the world, Europe and Japan. That are different signals than we saw really for the last decade, which is namely that pro-cyclical stocks started to work. Value stocks started to work in the first half of 2025. And you look at the history of when that happens, usually value doesn't work for a year and peter out. So that's been a huge change where I would say, a safer orientation has shown the relative leadership, and we have to be – recognize that. So, in our global strategies, we've been heavily weighted towards, the U.S. orientation because we didn't see really a cyclical bias outside. And now that's changing and that has caused us to increase the allocation to non-U.S. exposure. It's a longwinded way of saying, look, I think what the story of last year was the U.S. did just fine. But there were parts of the world that did better and I think that will continue in 2026. Serena Tang: Andrew, Jitania thank you so much for taking the time to talk. Andrew Slimmon: Great speaking with you, Serena. Jitania Kandhari: Thanks for having us on the show. Serena Tang: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

What does it really take to photograph celebrities and musicians and build a photography career that actually lasts?In this episode of The Portrait System Podcast, Nikki Closser sits down with Jim Wright, a renowned photographer who has worked with iconic musicians, A-list celebrities, and major publications. Jim pulls back the curtain on the real business of celebrity and music photography - beyond the glamour.You'll learn:How Jim broke into celebrity and music photography without a traditional planThe truth about licensing, usage, and work-for-hire contractsWhen (and when not) to shoot for exposureWhy relationships matter more than portfoliosHow personal work, family portraits, and commercial projects can coexistWhat photographers misunderstand about pricing and sustainabilityWhether you're an aspiring photographer or an established pro, this conversation is packed with honest insights about longevity, creative integrity, and building a career on your terms.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mike Seckler entered entrepreneurship with no business background or playbook. When the dot-com crash hit, competitors disappeared overnight, capital vanished, and survival came down to making fast, uncomfortable decisions. In the middle of the chaos, Mike developed a skill most founders never build: intellectual stamina. The ability to absorb new information, pivot decisively, and rework a vision without panic or ego. Those lessons shaped the leader he is today as CEO of Justworks.In this episode, Mike shares how entrepreneurs can survive brutal business cycles, prepare for unforeseen moments, and build resilient, customer-obsessed companies that last. In this episode, Hala and Mike will discuss: (00:00) Introduction (03:05) His Unlikely Path to Entrepreneurship (09:20) Surviving the Dot-Com Market Crash (12:50) Intellectual Stamina: The Pivoting Framework (18:48) Joining Justworks and Leadership Approach (23:44) Building Effective Advisory Boards for Entrepreneurs (28:15) Customer Obsession as a Business Principle (36:57) Mission, Values, and Culture at Justworks (44:02) How Leaders Shape Employee Engagement (49:57) Managing Risk During Rapid Business Growth (53:57) Entrepreneurship Insights and Final Thoughts Mike Seckler is the CEO of Justworks, a leading HR technology company dedicated to empowering small businesses. A seasoned entrepreneur, he has built and scaled multiple technology companies through volatile market cycles, including EmployeeEASE, which was acquired by ADP, and Euclidean Technologies, an investment management firm powered by machine learning. Mike also serves on multiple boards and is passionate about helping entrepreneurs build customer-obsessed, mission-driven companies. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting. Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. Huel -  Get all the daily nutrients you need with Huel. Grab Huel today and get 15% OFF with my code PROFITING at huel.com/PROFITING. Resources Mentioned: Mike's LinkedIn: linkedin.com/in/mikeseckler  Justworks Website: justworks.com/ Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Passive Income, Online Business, Solopreneur, Founder, Networking

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB] are trying to fight back, Trump continues to counter them by using tariffs. They will never learn. Blue states are feeling the economic pain, they are following the globalist plan and they will fail. Trump is changing the economic calculations. Inflation is below 1%. Trump nominates Kevin Warsh to restructure the Fed. The [DS] is panicking. They tried to trap Trump in the Epstein files, that did not work, the other part of the plan is to muddy the waters but this also failed. Trump is now preparing for mass round ups across the country. DHS is purchasing warehouses to hold the illegals. Trump is leading the [DS] down the path of no return. The insurrection is coming and Trump is preparing the counterinsurgency.   Economy   through this very same certification process. If, for any reason, this situation is not immediately corrected, I am going to charge Canada a 50% Tariff on any and all Aircraft sold into the United States of America. Thank you for your attention to this matter! DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/DC_Draino/status/2016988052317409756?s=20   like he did in my First Term. I am confident that Brett has the expertise to QUICKLY fix the long history of issues at the BLS on behalf of the American People. Brett Matsumoto is a Brilliant, Reputable, and Trusted Economist who will restore GREATNESS to the Bureau of Labor Statistics. Congratulations Brett! https://twitter.com/USTradeRep/status/2017747044350280104?s=20      extensive research in the field of Economics and Finance. Kevin issued an Independent Report to the Bank of England proposing reforms in the conduct of Monetary Policy in the United Kingdom. Parliament adopted the Report’s recommendations. Kevin Warsh became the youngest Fed Governor, ever, at 35, and served as a Member of the Board of Governors of the Federal Reserve System from 2006 until 2011, as the Federal Reserve’s Representative to the Group of Twenty (G-20), and as the Board’s Emissary to the Emerging and Advanced Economies in Asia. In addition, he was Administrative Governor, managing and overseeing the Board’s operations, personnel, and financial performance. Prior to his appointment to the Board, from 2002 until 2006, Kevin served as Special Assistant to the President for Economic Policy, and Executive Secretary of the White House National Economic Council. Previously, Kevin was a member of the Mergers & Acquisitions Department at Morgan Stanley & Co., in New York, serving as Vice President and Executive Director. I have known Kevin for a long period of time, and have no doubt that he will go down as one of the GREAT Fed Chairmen, maybe the best. On top of everything else, he is “central casting,” and he will never let you down. Congratulations Kevin! PRESIDENT DONALD J. TRUMP Warsh has compared Bitcoin favorably to gold as a “sustainable store of value,” indicating a positive view of gold’s role in the financial system.  However, his nomination led to sharp declines in gold and silver prices (e.g., silver fell up to 26% in one day), as markets interpreted him as an inflation hawk who might pursue tighter monetary policy, reducing the appeal of precious metals as inflation hedges.  This reaction stemmed from fears of less dovish Fed actions, which had previously driven gold’s rally amid uncertainty over Fed independence.  Warsh’s broader hawkish stance on inflation aligns with “hard money” principles that could indirectly support gold, but his emphasis on shrinking the Fed’s balance sheet and normalizing policy suggests he prioritizes institutional reform over promoting gold as a standard. Is Kevin Warsh Pro-Sound Money?Yes, Warsh is a strong advocate for sound money principles, emphasizing disciplined, anti-inflationary monetary policy. He views inflation as a “monetary phenomenon” and “a choice” driven by excessive government printing and spending.  As a former Fed Governor, he was often the most hawkish voice, opposing aggressive rate cuts during crises due to inflation risks.  He criticizes the Fed’s “mission creep,” oversized balance sheet, and reliance on quantitative easing (QE), arguing these enable fiscal irresponsibility and distort markets. Warsh calls for “regime change” at the Fed, shifting away from Keynesian models toward rules-based policy that incorporates money supply considerations and reduces interventionism. He stresses credibility, clear rules, and accountability to maintain sound money.   In a 2025 Hoover Institution paper, he advocated scrutinizing monetary policy under a framework that could include constitutional measures for prosperity and idea diffusion. Warsh has been vocal against Powell’s leadership, echoing Trump’s frustrations with high interest rates and calling for “regime change” at the Fed. He has moderated his hawkish stance to support lower rates, arguing AI-driven productivity allows growth without inflation. Credibility and Market Reassurance: Warsh is seen as a “traditional” pick with Fed experience, reassuring investors amid fears of a loyalist appointment that could undermine independence. Trump highlighted Warsh’s ability to deliver lower rates and growth, though some economists note Warsh’s independence could lead to tensions if he prioritizes data over demands. Analysts suggest the pick balances Trump’s desire for cuts with a credible figure. Political/Rights https://twitter.com/EndWokeness/status/2017774819823984722?s=20 Trump Administration Begins Suing Illegal Migrants Who Have Not Self-Deported The Trump administration has begun suing individual illegal migrants for ignoring removal orders and refusing to self-deport back to their home countries, a report says. The administration has filed suit against an illegal migrant living in Virginia, and is seeking $941,114 plus interest, alleging that Marta Alicia Ramirez Veliz has remained in the country despite being told her request for admittance was rejected by a Justice Department appeals panel in 2022, Politico reported. The filing notes that Veliz has refused to pay a $998 per-day fine for the 943 days since she was told to return to her home country, and reveals that Immigration and Customs Enforcement sent her an official notice of her total fine in April. The lawsuit describes Veliz as “an individual and noncitizen residing in Chesterfield County, Virginia,” and does not identify her nationality. source: breitbart.com https://twitter.com/KanekoaTheGreat/status/2017404446230323358?s=20 BREAKING: Disturbing photos in the Epstein files appear to show Prince Andrew on all fours over a woman lying on the ground. https://twitter.com/HansMahncke/status/2017792445979791448?s=20   for everyone, or is connected through some opaque web of professional and personal ties. A supposedly random figure from the squalor of Uganda rises all the way to mayor of New York, only for it to later emerge that his mother is deeply embedded in elite circles. The same pattern shows up again and again. James Comey's daughter just happened to be a lead federal prosecutor on the Epstein case. The judge who presided over the trial of Hillary Clinton's lawyer, the one who helped seed the Russiagate hoax, is married to Lisa Page's lawyer. Page, of course, was involved with Peter Strzok, who is one of the central figures in that same hoax. And to complete the circle, Merrick Garland officiated their wedding. None of this requires conspiracy theories. It requires only acknowledging how small, closed, and self-protecting these elite worlds are. Fix elite incestuousness, and a lot of other problems will disappear on their own. https://twitter.com/KanekoaTheGreat/status/2017734119334232544?s=20 https://twitter.com/KanekoaTheGreat/status/2017474860700877105?s=20   https://twitter.com/CynicalPublius/status/2017762585878069630?s=20 https://twitter.com/KanekoaTheGreat/status/2017694490614763591?s=20   written from Nikolic's perspective. At the time, Nikolic was Gates's top scientific investment advisor. The emails suggest Gates was firing Nikolic in response to marital problems with Melinda. In June 2013, Nikolic emailed Gates and asked if he wanted to go to the “legendary Crazy Horse in Paris” an erotic show, while they were in France. Gates declined, saying he would be too tired and didn't want to take the risk, adding that he might have done it when he was younger. On July 1, 2013, Gates emailed Nikolic: “We should meet on Wednesday to discuss your job. There is going to have to be a transition. I feel very bad about it but I don’t see a way around it.” Nikolic shared these emails with Epstein. Epstein later commented on the Paris erotic show email, writing: “This is pretty bad and might have been the cause of her bad mail in paris.”—apparently referring to Melinda. Nikolic appeared unhappy about being fired while potentially being used as a scapegoat, and he sought greater financial compensation as he prepared to leave and launch his own investment fund. In these emails, Epstein—writing as Nikolic—references alleged knowledge of Gates's extramarital affairs, STDs allegedly contracted from Russian women, and drug use as justification for why Nikolic deserved more money. Taken together, it appears Jeffrey Epstein was drafting or shaping a message for Boris Nikolic that effectively functioned as blackmail, pressuring Bill Gates for financial compensation. It remains unclear whether Nikolic ultimately sent these messages to Gates. However, later emails suggest Gates helped Nikolic launch his next investment fund and maintained a working relationship with him afterward. Epstein later listed Nikolic as a backup executor of his will, indicating the two were close confidants. https://twitter.com/Breaking911/status/2017769194159210784?s=20 Billionaire Reid Hoffman, Who Bankrolled the E. Jean Carroll Lawsuit Against Trump, Is Featured Extensively in the New Epstein Files, Visiting Zorro Ranch and Pedophile Island  Hoffman went to the Island. A man who used his fortune to bankroll a lawsuit against President Donald J. Trump is now featured extensively in the new DOJ-released Jeffrey Epstein documents. The three and a half million documents from the latest – and apparently last – have been released by the DOJ following the approval of the House Resolution 4405, the Epstein Files Transparency Act. Documents from this massive release show the close ties between LinkedIn co-founder Reid Hoffman and the late pedophile. The pair ‘discusses visits to Epstein's infamous private island, his New Mexico ranch, and his New York apartment'. The New York Post reported: “'Reid will spend the night at 71st', according to one email from Hoffman's team included in the latest Justice Department dump of Epstein files, in reference to his Upper East Side townhouse.”   A 2014 memo states that Epstein hosted will have (venture capitalist) Joi Ito and Reid Hoffman on the infamous Zorro Ranch for a weekend. “An email Epstein penned to his assistant Saida Sapieva under the heading ‘Trip to the Island' states: ‘Reid will take a Virgin America Flight from SFO to Fort Lauderdale, departing at 8:20 am, landing at 4:40 pm'. In 2023, Hoffman visited to Epstein's former Caribbean private island, Little St. James, also known as ‘pedophile island', The Post previously reported.” Source: thegatewaypundit.com https://twitter.com/elonmusk/status/2017106848311366064?s=20 https://twitter.com/MikeBenzCyber/status/2017789344103145647?s=20   https://twitter.com/MikeBenzCyber/status/2017772724093849926?s=20     https://twitter.com/elonmusk/status/2017930408650772495?s=20 https://twitter.com/Cernovich/status/2017329765863039432?s=20       Israel had Trump by the balls so much that… Epstein was arrested? Ghislaine Maxwell was arrested? Jean Luc Brunel was arrested? Les Wexner stepped down? NXIVM sex cult ended? And now we're getting those files? These people don't think very hard https://twitter.com/JD_Cashless/status/2017349780922408973?s=20 https://twitter.com/TaraBunner2/status/2017619821634977889?s=20 https://twitter.com/Jordan_Sather_/status/2017399510809645263?s=20 https://twitter.com/TheStormRedux/status/2017789280693735748?s=20 politically. “I didn't see it myself but I was told by some very important people that not only does it absolve me, it's the opposite of what people were hoping – you know, the radical left. Wolff, who's a 3rd rate writer, was conspiring with Jeffrey Epstein to hurt me politically or otherwise…” Don't fall for all the clickbait doomers pushing the anti-Trump narratives. It's all bullshit. Lots of people not looking good though after today's release. Will be interesting to see how this plays out. To muddy the waters is an idiom that means to make a situation, issue, or discussion more confusing, unclear, or complicated—often deliberately. For example: “The politician’s vague statements only muddied the waters during the debate.” It originates from the idea of stirring up mud in water, making it murky and hard to see through. DOGE Geopolitical War/Peace Iran Hits Back At EU: Designates European Armies As ‘Terrorist Entities’ Iran is saying two can play at the West’s game: on Friday the secretary of Iran’s Supreme National Security Council blasted the EU’s decision to designate the Islamic Revolutionary Guard Corps (IRGC) as a “terrorist organization,” warning that Europe’s own militaries would now be viewed through the same lens. “The European Union certainly knows that… the armies of countries that have participated in the European Union’s recent resolution against the Islamic Revolutionary Guard Corps are considered terrorist entities,” Ali Larijani wrote in a post on X. He added bluntly: “Therefore, the consequences of that shall be borne by the European countries that undertook such an action.” However, there’s probably nothing in the way of European military assets for the Islamic Republic to sanction, so this ‘action’ by Tehran will remain largely symbolic. Iran does have assets held in various places of Europe though. EU foreign ministers agreed on Thursday to formally classify the IRGC as a “terrorist organization” and urged member states to implement the designation without delay – after a few longtime holdouts flipped. source: zerohedge.com [DS] Agenda https://twitter.com/rhodeislander/status/2017361344018739231?s=20 https://twitter.com/nicksortor/status/2017331445195211254?s=20   at Place of Worship COUNT 2: 18 U.S.C. § 248(a) (b), § §2(a) – FACE Act: Injure, Intimidate, and Interfere with Exercise of Right of Religious Freedom at a Place of Worship. Full indictment in replies. https://twitter.com/amuse/status/2017755569097003394?s=20 https://twitter.com/RapidResponse47/status/2017426372860190991?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2017426372860190991%7Ctwgr%5Efafd5c6b893c0c4815868b0fd8490482712f780e%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.breitbart.com%2Ft%2Fassets%2Fhtml%2Ftweet-5.html2017426372860190991 Maxine Waters Incites Violent Leftist Rioters in Los Angeles – Threatens ICE, “We're Going to Fight You Every Inch of the Way” (VIDEOS) Far-left Rep. Maxine Waters (D-CA) was in Los Angeles on Friday, inciting her radical left followers to riot against law enforcement before several were arrested.  Rioters were seen hurling objects at shielded federal agents who pushed back with pepper balls and nonlethal munitions. Via ABC 7: Anti-ICE Rioters Clash with Federal Agents and Local Police Outside Los Angeles ICE Facility Eventually, the rioters moved a dumpster toward the entrance of the ICE detention facility and set it ablaze. Over 100 Los Angeles Police officers reportedly responded in riot gear to quell the violence. Multiple videos circulating on social media show Maxine Waters at the front lines of the riot as leftists were told to disperse for surrounding the federal building, trespassing on federal property, and later assaulting federal officers. After pepper spray was deployed, Waters returned to the front of the riot with a mask and continued leading the insurrection. Waters was seen pulling up to the scene early in the day in a black SUV before stepping out to rally her troops, flailing her arms and leading chants of “ICE Out of LA.” Source: thegatewaypundit.com https://twitter.com/DOGEai_tx/status/2017736355665641700?s=20   Martinez's gang alliance pitch isn't just reckless; it's a calculated distraction from ICE's indiscriminate sweeps that tear families apart over paperwork. Federal law requires deportation for specific crimes, yet bureaucrats weaponize broad mandates to meet quotas. The solution? Enforce existing laws precisely, stop manufacturing crises, and end the performative politics that put both officers and communities at risk. President Trump's Plan https://twitter.com/EricLDaugh/status/2017769322723082564?s=20   constitutional dike, It is so ORDERED” – “Feb. 31” doesn’t exist – LinkedIn shows he liked a TDS post about ICE today – Includes a photo of the kid in the order – Unprofessionally antagonistic language WTF?! This is a JUDGE?! @ElonMusk and @NayibBukele were right all along. We can’t have a saved republic until we mass impeach the courts. H/t @BillMelugin_ https://twitter.com/ElectionWiz/status/2017574838143959310?s=20 https://twitter.com/nicksortor/status/2017636699157811696?s=20       one of the safest cities in America – Likewise, numerous other once very dangerous cities! Republicans, don't let these Crooked Democrats, who are stealing Billions of Dollars from Minnesota, and other Cities and States from all over the Country, push you around. They are using this aggressive protest SCAM to obfuscate, camouflage, and hide their CRIMINAL ACTS of theft and insurrection. They should all be in jail. I was elected on Strong Borders, and Law and Order, among many other things. Thank you to Secretary Kristi Noem. Remember, ELECTIONS HAVE CONSEQUENCES!!! PRESIDENT DONALD J. TRUMP     Federal Government Property. There will be no spitting in the faces of our Officers, there will be no punching or kicking the headlights of our cars, and there will be no rock or brick throwing at our vehicles, or at our Patriot Warriors. If there is, those people will suffer an equal, or more, consequence. In the meantime, by copy of this Statement, I am informing Local Governments, as I did in Los Angeles when they were rioting at the end of the Biden Term, that you must protect your own State and Local Property. In addition, it is your obligation to also protect our Federal Property, Buildings, Parks, and everything else. We are there to protect Federal Property, only as a back up, in that it is Local and State Responsibility to do so. Last night in Eugene, Oregon, these criminals broke into a Federal Building, and did great damage, also scaring and harassing the hardworking employees. Local Police did nothing in order to stop it. We will not let that happen anymore! If Local Governments are unable to handle the Insurrectionists, Agitators, and Anarchists, we will immediately go to the location where such help is requested, and take care of the situation very easily and methodically, just as we did the Los Angeles Riots one year ago, where the Police Chief said that, “We couldn't have done it without the help of the Federal Government.” Therefore, to all complaining Local Governments, Governors, and Mayors, let us know when you are ready, and we will be there — But, before we do so, you must use the word, “PLEASE.” Remember that I stated, in the strongest of language, to BEWARE — ICE, Border Patrol or, if necessary, our Military, will be extremely powerful and tough in the protection of our Federal Property. We will not allow our Courthouses, Federal Buildings, or anything else under our protection, to be damaged in any way, shape, or form. I was elected on a Policy of Border Control (which has now been perfected!), National Security, and LAW AND ORDER — That's what America wants, and that's what America is getting! Thank you for your attention to this matter.   PRESIDENT DONALD J. TRUMP he will use DHS/ICE and, if necessary, the US MIL to protect federal property. It sounds like Trump knows something is coming. It sounds like the Dems want DHS/ICE to get caught up in policing these riots, hoping more of their deranged followers take it too far and get shot. Trump is instead going to hold and force local Democrat politicians to police their own riots, or agree to work with him. And if the Dems choose to not police these riots, they will force Trump to use the US MIL to suppress the chaos.  https://twitter.com/unseen1_unseen/status/2017334056292143173?s=20 https://twitter.com/StephenM/status/2017585812599087241?s=20   EXCLUSIVE: Atlanta Field Office Special Agent in Charge Allegedly Removed For Slow-Walking Election Fraud Investigation  Reports are emerging on social media that Paul Brown, the FBI Special Agent in Charge at the Atlanta Field Office, was “forced out of that job earlier this month,” according to MSNOW's Ken Dilanian. According to MSNOW, Brown “was forced out this month after questioning the Justice Department's renewed push to probe Fulton County's role in the 2020 election” after “expressing concern” about “unsubstantiated allegations of voter fraud” in Fulton County. Source: thegatewaypundit.com https://twitter.com/TheStormRedux/status/2017632517596045581?s=20      of evidence that the judge authorized us to collect. And what we're gonna do next is go through the voluminous amounts of information collected and continue our investigation. At this point there's not much more I can say publicly because we have to go through a lot more material. But it was predicated on a finding of probable cause by a judge in Georgia.” Time for people to go to jail! We all watched it stolen in real time, and we're all still pissed off about it! https://twitter.com/TheStormRedux/status/2017201516768026738?s=20  the election safe, and she's done a very good job. And as you know, they got into the votes. You've got a signed judges order in Georgia and you're gonna see some interesting things happening.” We've waited a long time for this. Let's get it. https://twitter.com/JoeLang51440671/status/2017668286196932654?s=20 https://twitter.com/Rasmussen_Poll/status/2017631484908024035?s=20     (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");