Podcasts about finances

Kiera and Kristy share tips on having financial conversations with patients, including the type of mindset to adopt so it's not so intimidating, key language to use to get everyone on the same page, the power of a litmus test, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review       Kiera (00:00) Hello, Dental A Team   listeners. This is Kiera, and today's a lucky day. I'm so excited. I get one of my faves podcasting with me today. I get the one and only Kristy Treasure. If you don't know Kristy, she's one of our dynamite consultants and she just drives offices to success faster than most people I've ever met. She's absolutely dynamite. And today we're gonna be talking about how to have financial conversations with patients. This is right up her alley. Things she's obsessed about talking about. Kristy, welcome to the show. How are you today?   DAT- Kristy (00:26) Good, thank you. Pleasure pleasure to be here.   Kiera (00:29) I love it. Kristy, it's so fun to talk. You love talking all things money, numbers, metrics. Like that's your jam. How did you even get into numbers and metrics, Kristy? Like, walk us through for those of you who don't know Kristy, she was an office manager. She's been like every position in the practice. She grew this exponentially large practice. But for some reason, her niche is numbers. So, Kristy, how did you get into numbers? Like, why are you this like obsessive woman about numbers? How did that like passion and obsession come to be for you?   DAT- Kristy (00:56) It's so funny. I think at one time I actually thought about getting into accounting, but I never did. Yeah. But in the dental world, you know, really   Kiera (01:02) I could see it, I could see it.   DAT- Kristy (01:07) the numbers are really only a measure of how well we're taking care of our patients and getting them healthy. And so from the dental realm, you know, oral wellness is a passion of mine. Maybe I should have been a hygienist too in a different life. But with that being said, the numbers don't lie. And so   Kiera (01:25) Mm-hmm.   DAT- Kristy (01:26) the you know, being in OM and practice administration, it it was the guide to let me know if we were winning or not. And so it it's not so much about the number, but where is it trending, you know? And so being able sorry, Kiera, being able   Kiera (01:38) Mm-hmm. How do you no, no   DAT- Kristy (01:42) to give that back and have teams know where they stand too, I think is hugely important.   Kiera (01:49) So, how do you get teams on board with this? Like that was gonna be my follow-up when I was about to cut you off. Sorry on that. Like, I agree with you. It's ch it's shell, but how do you get your teams on board? Cause I think this is a common piece and a common like fear of offices is they don't want to tell their teams. They don't want their teams to talk about numbers. Doctors are afraid if teams look at numbers and they're gonna think they want to buy a new boat, which I'm like, go for it, buy the boat, like live your life. But how do you get teams on board to look at these numbers and doctors not to be afraid to share numbers with their with their teams?   DAT- Kristy (02:18) Yeah. I think first and foremost we start out by talking about why did we all get into dentistry? Because usually it's about caring for our patients. And Kiera, I think there's also a misunderstanding that just because a practice may be collecting six million dollars doesn't mean the practice is financially healthy. And so when teams understand there's numbers inside the practice and numbers outside of the practice, I think it helps them   understand and just like they have to manage their finances, you know, what's in the bank? How am I gonna pay my mortgage? Like getting them on board to understand that helps them also drive for the success. And I don't know, you've been in dentistry a long time too. And I truly haven't met a doctor that isn't willing to give back when the practice   Kiera (03:05) Mm-hmm.   DAT- Kristy (03:05) is profitable. So typically, you know, when teams are on board and we're rowing in the same direction for a goal, it's a win win.   Kiera (03:14) Yeah. I hope the doctors heard that. I hope the teams heard that of it is a win-win. It's a good way for us all to get aligned and be on the same page with each other. And like doctors, it is a business at the end of the day. And having a practice and having the numbers tell you, I love numbers because I feel like they're the non-emotional facts of the business. They're able to tell us, are we winning? Are we losing? It's just like a scoreboard in sports. Like it's up on the board. We know if that team is winning or if they're not winning.   and for us not to have like visibility into our business to know are we on track, are we off track? To me feels like what do we do when we're flying blind? Like I can't imagine a sports team like playing against each other and there's no score up on the board. It's just like hoops versus hoops. Like that's fun for a while, but the drive and the like, how do I protect my craft and how do I become a better player? And how do I know if we're actually playing as a team or we're just out here all open? Like those are the ways that you can actually see if you're winning or not. So   Kristy,   I'm gonna pivot us now to financial conversations with patients because it's all things money. We just gave you guys some tips on how you can talk to your teams about this, teams why you need to look at the numbers, how it is a scoreboard of the success of your practice. They don't lie. Every number tells a story, every number t ties to a system of what is broken, what can we improve, how can we improve it? It actually makes like your job easier as a team member because then we're not trying to solve the whole practice. We're just refining based on what the numbers are telling us.   So now pivoting that to patients, I think so many treatment coordinators, doctors, hygienists, like everyone in the practice is so scared to talk money with patients. So Kristy, like let's dig into that. How can people like what is that? Why are people afraid of this? Any tips on how we can have these financial conversations with patients?   DAT- Kristy (04:56) Yeah. I think first and foremost is understanding that, you know, we're in it to get patients healthy. And we   Kiera (05:04) Mm-hmm.   DAT- Kristy (05:04) all understand that if there's active infection going on, it's not gonna get any better than it is today. And so   Kiera (05:12) Right.   DAT- Kristy (05:13) coming from the you know, reframing our brains and coming from the space of taking us back to why we got into dentistry and caring for people, their oral health   equates to their overall health. And if we can get them healthy as quickly as possible, all the better. But I also like to tell my teams, we play the healthcare advocate, but it's always in the patient's hands. So when we can put it back to the patients and say, you know, I'm here for you. And truly this is your journey. You get to be in the driver's seat. And we're going to do this in your timeframe.   And within your budget. It takes that pressure off and it really makes it a relational thing. And we can be the guide to getting them healthy.   Kiera (06:03) That's amazing. And I think Kristy, as you said that, like it's just a reframe, right? Like I think we have the reframe right now. Like you you're telling yourself a story. You're telling yourself a story of, like people have to pay money and it's uncomfortable and they w but there's also another story of we're doing this amazing service and they're paying for a great service, just like Kristy. You used to cut hair. Like people, you give a good haircut, people want to pay you for a great and they even tip you.   Like no one has tipped me in my career for not sucking up their uvula. I would love to have a tip jar. Like you're welcome patients. I didn't suction that up. but like they want to, they want to pay for a service. And I think in dentistry we get kind of weird because like we are in healthcare and when we go to the doctor, but like never once have I ever gone to the doctor and been like, I'm just not gonna pay for it. Like, I know I have a copay, I know I have this.   And so I think for us to reframe it of we've done great dentistry, we've done a great service. People naturally know, like when I go to the grocery store, I buy groceries. When I get my haircut, I pay for my haircut. When I go to the dentist, I pay for my cleaning. I pay for my my care. Like that's what I pay for. And so I I love that you talk about Kristy of like this is just why we're even in dentistry. We did this to get patients back to health. We're here to serve.   I think that there's this space of having confidence in who you are and not being afraid of asking for money. Like it's okay. You did great work. You brought them back to health. Like you did something amazing for them. They are more than happy. It's the gift of reciprocity. And that worked so hard for me. But when we've done something good, people naturally, as a byproduct, want to pay for it. and so helping us, like you said, let's just do a reframe. Like, what if for the next week everybody in our practice just thought like every patient wants to pay us?   Like I promise you, it will be that you've just like activated that and you'll start to see more patients want to pay you. More patients are not having financial conversations of issues with you. It's not a conversation, like they're not rejecting you. They just want like they're just asking questions. And I think we often take those questions as rejection rather like it's confrontation rather than just conversations.   DAT- Kristy (08:11) Yeah, I love that you say that, Kiera. And I tell teams every day, number one, when you take a step back and figure out why are they here, because we all know every single patient walks in and what do they say? I hate coming to the dentist. And I'm thinking to myself, there is nobody standing outside this door with, you know, holding a gun to you saying, You have to go to the dentist. So they're   Kiera (08:32) Mm.   DAT- Kristy (08:33) here for a reason and we just need to figure out what that reason is. People's motivation can be different, you know.   We talk about wellness, longevity, cosmetic, right? And the last one on that list that we tend to shy away from is the cost. But every   Kiera (08:47) Mm-hmm.   DAT- Kristy (08:50) day I tell my teams, it truly doesn't matter if it's 6,000 or 60,000. I know I maybe exaggerated that a little bit, but it's about fitting it in their budget and finding them away. So when you take that pressure off yourself and realize we're tying it back to what they really walked in the door for.   and help them again as that guide to getting what they want. Truly the money is just about finding a way to fit it in their budget. And if we have the tools in our tool belt to do that, it makes it so easy.   Kiera (09:23) Mm-hmm. Well, and like you said, Kristy, it's it's just finding the solution, right? Everything we want in life, we figure it out. We find a way. Like people want to buy a car, so what do they do? They figure out how to pay for it. It's just tying it back to something that they want, need, and deserve. I will throw that like and deserve. I think so many patients don't feel like they deserve, they deserve to have a healthy mouth. They deserve to get this beautiful smile back. And I think actually like   Our   mouths are slightly hidden and they can be hidden. Like you can keep your mouth more closed. You don't have to smile in photos. but the confidence that you have to be able to be unapologetically smiley and to have confidence in your teeth and your smile and your breath and your health and all of that is a gift that I don't think that we realize because in dentistry we just do this day in, day out. but I was the girl who had my smile completely obliterated by someone in my life, and I didn't have that confidence anymore.   And I know what it feels like to be able to speak with confidence and to have my smile perfect and to speak where you don't feel as confident. And I will say that people might give you the push of finance at the top. And I just want to say, like, whenever, like to me, I don't know how you feel, Kristy. To me, objections are just a way for me, like, I haven't educated them enough. And there's just a question. That's all an objection is, is it's just a a a question packaged in a different way. So someone's like, it's cost. I'm like, fantastic. Let's talk about that.   Like, why am I taking this as you don't like me? Like we can make this up all day long, but instead it's just them giving me information. My job is to find the solution with them. There's always a solution. Let's talk about it. And I will promise you, every single one of you listening, and Kristy, you know this just as well as I do, it will never be cheaper or more predictable than it is today. So if it is cost, high five is the best day of your life because we get to make it like the most cost effective we possibly can.   We wait longer in dentistry, it just gets more expensive. That's how it works, that's how it operates. And also, like we lose our options and our our choice the longer we wait. And so let's take care of it now. Let's get it taken care of. And really, like you said, Kristy, they're here at the dentist. Like they chose to come. There's a reason they're here. So I think for us, like, I feel like thinking about cost as an objection is just a pair of sunglasses of a filter you choose to put on. And I'm like, what if I put on the filter of   Every patient wants to say yes to me today. What if I put on the filter of everyone's here and they want to get something done today? What if I put on the filter of everybody has like finances? I'm gonna help them find the way to make this like fit within their budget. I feel we get to choose these pairs of sunglasses, aka filters every day when we walk into the office. And for a lot of you, you might be picking up this like, people don't like insurance, people have this. Like, you're choosing to put on the black sunglasses, the dark gray sunglasses, the brown sunglasses.   Well, there's a whole other pair of sunglasses of yellow and green and pink and purple that are brighter, that are lighter, that are also available for you. And I don't think that that's just like Mary Poppins over here skipping through life. I know it's an actual fact because treatment planning and presenting and talking about finances is 80% the what you think about, 20% skill. It's not   DAT- Kristy (12:31) Yeah.   Kiera (12:31) the reverse. And I think so many people think it's 80% skill, 20% like how you think.   Kristy, break that down. Do you agree with that? 'Cause I do, but that could be Kiera's like la la land over here that I live in.   DAT- Kristy (12:41) Yeah, no, I 1000% agree with you. I'm I'm gonna age myself a little bit here, Kiera, because I remember when I first got into dentistry, crowns were three hundred and eighty-five dollars at the office hours. And yeah, I mean yeah, a hundred percent, right? But   Kiera (12:51) my gosh. It's okay. How much were haircuts, Kristy?   DAT- Kristy (12:59) with that, you know, the same patients that today when you say fifteen hundred dollars for a crown, they said the same thing back then. It's so expensive.   Kiera (13:08) Yep.   DAT- Kristy (13:09) And you said something earlier.   My favorite comeback is you are worth it. You are   Kiera (13:14) Mm-hmm.   DAT- Kristy (13:15) worth it. I I literally maybe only had one person ever tell me, No, I'm not. I'm gonna die tomorrow. But I said, But you're gonna die with a healthy smile, right? And you know, truly people will go spend three thousand dollars on a couch and not bad an eye. So   Kiera (13:29) Mm-hmm.   DAT- Kristy (13:30) when you turn it about them and what they really came in for, what they want, and find that solution to get them.   It it's just a win win and it's so rewarding as a treatment coordinator to have that relationship with the patient because once you do it one time, they come back to you, they look for you, they know your name, they know you're gonna help them get what what they want in the end.   Kiera (13:54) Mm-hmm. You're exactly right. And I think Kristy, like so many people don't realize that they're worth it. And like you said, like people are willing to shell out money left and right. Like it's wild. I don't know if people have seen the memes, they or the reels. They make me giggle when it's like the patient who's asking for the discount and they're driving like all these amazing, like beautiful cars, huge house. And I like to me that just like that cracks the code of our limiting beliefs.   Their beliefs   DAT- Kristy (14:19) Yeah.   Kiera (14:20) that we've chosen to pick up. Like I feel like they're pebbles in my pocket, their beliefs in my pocket. What beliefs am I putting in? Because it's a lot of times like I'm I'm projecting, I'm putting my own assumptions on other people when that's not real. I have a friend going through a pretty severe medical situation and we were talking about it. And one of our other friends was just like a hot mess express. And my friend was like who's going through the actual medical issue, she's like, That friend's projecting on me. Like   I actually don't feel any of that. But that friend saying, like, I'm sure you're so scared, or I'm sure you're so this or that. And she's like, I'm none of those, but she's projecting on me. And I think going into our financial pieces, how many times are we projecting our own limiting beliefs? Like you might think that Starbucks is expensive, but for someone, Starbucks is just part of their daily budget. Like that's that's that's just it's like brushing our teeth. They don't even bat an eye at it. Like you said, they're willing to drop money on a couch, they're willing to do this. It's the value of what people value. And so   For me, it'd be another question of how can you create more value of dentistry? I will tell you as a girl who's had her smile be available and not available, it is one of the greatest gifts you can ever give a patient. And maybe that's why I'm so like passionate about this topic, is because I'm like, I know what that feels like to not feel confident, to not feel like your smile is your own, to not feel comfortable talking to people, to not like I'm modeled for half of my life. Like, you want to believe like.   I I very uncomfortable in my own skin. And so to have that taken away and stripped away is something that I feel we don't if you've never had that taken away from you, you don't even know the gift you're able to give somebody, but I do. And so it's like, let's give that value of the health, like whatever it is. For some people, it's health. For some people, it's guys, I want to look really good in my coffin. Like I'm not gonna lie to you. I am such a vain human. Like I want my teeth to be pretty. I want to look gorgeous. I'd be your 90-year-old, like getting like veneers, braces.   Please don't limit that because you wouldn't pay for it. Like, if that's not your job, but your job is to present it to me. Your job is to find solutions with me. And your job is to help me see the value and what this is. And like Kristy said, to show me that I'm worth it, that I'm deserving of that. And that I agree, Kristy, is the best comeback. Like, no person is going to deny that. And that's probably one of the few places that they've heard that they're worth this treatment. And I also just want to break down like such a limiting belief.   Dentistry, we think is so expensive. Like when you said $1,500, I'm do you want to know how much it is to get Scorpion anti-venom serum? Like that stuff is like, I think it's $10,000 a teeny tiny vial. And you have to have three of those minimum. That's $30,000. That's expensive. Like, let's please put into like the scale of expense. Like medical   DAT- Kristy (17:01) Mm-hmm.   Kiera (17:01) bills are very expensive. $1,500 for a crown that's gonna last you for the next, I don't know, five, 10, 15 years.   That is a very low cost to be able to eat great subsidence for our body. Like, so again, please just please just also put that out there. There's financing options. You can do care credit. You can have other things. Please don't give them a smorgasborg. Like less is more. Let's make decisions very easy for them. Like, are we doing personal savings or do we want to talk financing options? Like, don't project and dump on them. Like let them choose from what it is. Perfect. Let's talk through this. Let's see where we're at. Let's come up with solutions that way you can afford this.   But I'm not going to project that onto them. I'm going to make them ask the questions. And I'm going to assume that they freaking just want dentistry done. Like, why not assume that? Like, I know this sounds so silly and Kristy and I are having a good giggle over here. But Kristy, I really think it's that black and white. Like you said, no one forces person to come to the dentist. They're at the dentist. They clearly want something done. Let's just find the solution to help them get it done. And to be confident and to assume they want to do that, finding the solutions, building the value, teaching them that they are worth it.   And   then putting on those sunglasses of those filters of that you're able you're able to get the dentistry done and let's just find the solution together. Those are my thoughts, Kristy. What are yours? I know this is my rant.   DAT- Kristy (18:17) Yeah, I agree with you, Kiera.   Yeah. I 100% agree with you. And I also challenge people to start at the comprehensive level. Cause many times we tap our patients out. We we say, we're gonna scare them with the number. We don't wanna like show everything up front. And we'll just find a financial solution for this first phase. Sometimes you tap them out and they never come back for the rest. So again, if we put our advocate hat on and we go with the intent, like   purely in our heart. Our intent is to get you healthy and well. If you start at the hole, you can always go backward, but it's really hard to start with one tooth or one procedure and then go up comprehensively. I'll never forget, Kiera, the day I had a elderly lady come up and tell me about her fixed budget. I'm sure we've all heard those, right? And she had to have four   Kiera (19:07) Yes.   DAT- Kristy (19:09) crowns, one in every quadrant. And I was like, boy, how am I gonna fit this in $200 a month?   And you know, in the long run, I would have been better to find a solution to fix all four than to just start with the broken one. Because literally one month later, after we found the solution for the one, all I was doing was eating bread. Kristy and I was like, gosh, what am I gonna do? It's gonna be another payment,   Kiera (19:31) Mm.   DAT- Kristy (19:34) you know? So I also challenge people start at the hole and work backward. Cause again   As a advocate, our job is to help them get healthy. And if we can do it quicker, why would we not? You know, then   Kiera (19:49) Mm-hmm.   DAT- Kristy (19:49) then we've achieved and I always like to use a litmus test. What's best for the practice, best for the patient? If you can answer   Kiera (19:55) Mm-hmm. I agree.   DAT- Kristy (19:56) yes to that, we've done well.   Kiera (19:58) Mm-hmm. And I think people often get a little funny on that. And they think, like, if it's best for the practice, then it's not best for the patient. And I'm like, no, there is a world where it's both. It's an and, not an or. It's best for both of us. It's best for each other. And I just I agree with you, Kristy. I throw this out of I do believe it's our moral obligation to tell patients really what's going on, not what we think   DAT- Kristy (20:20) Mm-hmm.   Kiera (20:20) they want to hear. Like I would be so angry, and I am still angry. Do you know how many hygienists never offered me fluoride?   Like I'm still angry about it to this day because I'm like, that's the most proactive preventative thing that I can ever do for my mouth. And you chose because you didn't think I'd want it or you was afraid to talk money to me, that you never offered it to me. Like, how many other times do we just not offer to people that we don't tell them what's really going on? Like you said, give them the comprehensive plan. Now, with that said, dentists, when you're doing a comprehensive plan, please don't   Don't talk so many words that they get lost. And there's there's an art of being comprehensive and using it in patient jargon that they can understand. So being very clear of perfect, here's everything going on. Your next visit's going to be this. This is when I want to see you back. Like this is the whole plan for treatment coordinators. Here's the whole plan. We're going to start with phase one. We're going to schedule out phase one, phase two, phase three, phase four. Like, let's make it very simple for them. Please don't get into the like.   All right, we're gonna do like seven crowns and it's gonna take 17 hours. Like they they don't need to know all that. They just need to know like where do we start? What's what does what does complete look like? also when they know about what the total is going to be, but also that we're able to break it down if they need to. Like, let's break it down. We're we're gonna do this in chunks. I do the same thing with implants, like our implants are 25, 70 grand. Like we have an office that does 150,000 per like full mouth, so it's 75,000 per arch.   some of you might be listening, like, my gosh, like, yes, guys, this is real. Like they really can do this. And they really do. And they have several patients that say yes to them. Again, I think it's your value. I think it's your confidence. I want people to realize they're buying your confidence. So you being confident in your treatment planning where you're doing it out of moral obligation and what's ultimately best for the patient. Patients trust, they believe, and they know you're genuine. That's how this doctor's able to charge 75 grand per arch for doing it.   He's a phenomenal dentist. Like I would trust him too. I'd pay for him over several others that are much cheaper than him. People, there are some that want to go for the cheapest. but I think that most people, when they look at their mouths, they recognize that it is an investment. They recognize that it is a and I think if you can present it that way and you can show them that this is long term preventative for you and it's long term care for you. I think people are able to see that. It's much better than even like your couch analogy. Couches like wear out.   And you have to replace them. Your teeth do   DAT- Kristy (22:42) Sure.   Kiera (22:43) wear out, but they have a lot longer lifespan on them than others. So, Kristy, I think it's a brilliant way to talk about comprehensive as well.   DAT- Kristy (22:50) thank you. And you know, true truly, Kiera, it it is an investment in their health. And I hope that and I challenge people to even speak that way, you know, use use power words instead of out of pocket. And I always share with my teams, like I literally see a guy with his pocket hanging out. Like   Kiera (23:07) Right.   DAT- Kristy (23:08) you're sending a negative connotation. Say, you know, and and the total is this.   Kiera (23:14) Mm-hmm.   DAT- Kristy (23:15) It's an investment into your health, you know.   Kiera (23:17) Mm-hmm.   DAT- Kristy (23:18) And   I'm here to find a solution with you. So I I love it. It it definitely is a passion. And like I said, when you can meet the patient where they are, find what they want and tie it back, it's always a win. I was gonna share with you when you were talking earlier, you and people don't forget about the cosmetic things, just like the fluoride. I'm with you, Kiera. I don't have a problem with decay, but if they don't offer me, I'm not coming back because I feel like you haven't really treated me, you know. But I was   Kiera (23:46) Mm-hmm.   DAT- Kristy (23:47) gonna share.   My mother-in-law, she was playing cards and she had always come to the office that I worked at. And and one day she left and came back for the hygienist because she loved the hygienist. And doctor comes in my office like, and I'm like, What? You never offered, you never asked her. She had this bright, sparkly front bridge, and nobody ever stopped, even when they got her healthy, to say, Hey, what you're doing at home's great. Now's the time to ask.   Is there anything you'd like to change about the shape, size, and color for your teeth? So going back to what you said, it's our job to share the possibilities. And again, it takes the pressure off of us because the patient's always in the driver's seat. They get to say   Kiera (24:30) Mm-hmm.   DAT- Kristy (24:30) yes or no. And it's okay.   Kiera (24:32) Mm-hmm. Kristy, I love that. I love that it's why are we not sharing more? I think people are so afraid that you're going to overwhelm. And I'm like, whatever you think is what people will feel. So if you think you're   DAT- Kristy (24:43) Mm-hmm.   Kiera (24:44) going to overwhelm them, you're going to overwhelm them. If you think you're pushing on them, you're going to. There is another pair of sunglasses, aka filter, if you want to. Like Kristy said, like, give them the options. Do you know how many people I wish would just fix my lateral for me? Like now, all of you are going to look at it. Don't worry. I'm taking contributions. You want to like.   Fix my ortho for me. I will happily be your patient. No one talks to me about it. Cause they assume Kiera's teeth are beautiful. She works in dentistry. I do love my teeth, but I would love to just do a slight correction on that, but no one asks. And so again, like talking to them about possibilities, just letting them know like patients in the driver's seat, they don't have to, but if they never know what it is, right? To me, it's almost like dreams and goals and and big ideas.   The reason we achieve things is because we've seen them from someone else. We've seen that someone has the house or the car or the life or the kids or the nanny or the healthy fitness or the whatever it is. We've all seen somebody that has it and therefore we want to achieve it. If we don't even know it exists and we don't know it's a possibility, guess what? They'll be talking to their friends and then they come back and they're like, Dr. Johns did my like whole mouth. And you're like, Well, we do that too. You didn't choose to share. So when it comes to finances, when it comes to talking these things, I think my whole overarching thing is like,   Let's put on the filters and assume the best. Let's share with people. Kristy, it was absolutely a fantastic podcast. There were so many nuggets in here. Kristy, you're so easy for me to podcast with because you and I just have so much passion for it. So we just rally. But Kristy, I just want to say thank you for sharing your perspectives. And I hope everybody picks up one or two nuggets, one or two perspectives, one or two beliefs, and you implement today. You can sit here all day long. You might have heard this before, but you can pick up one of these tools, try it out today, try it on for size, like get a little uncomfortable in the in the new realm.   And try it out because I promise you, those patients need you, they're coming to you, they trust you, and you have a moral obligation to help and serve them. Kristy, any last thoughts as we wrap up today?   DAT- Kristy (26:35) No, the only thing I say is please share your wins. We want to hear your stories.   Kiera (26:39) Absolutely.   Reach out Hello@TheDentalATeam.com if you need help getting your team on board. Kristy's a freaking dynamite, amazing at doing this. Our consulting team is absolutely incredible. So reach out Hello@TheDentalATeam.com. As always, thank you, Kristy. Thank you all. Thanks for listening. And I'll catch you next time on the Dental A Team Podcast.  

We're back! In this episode, Chris and I dig into something we keep running into with clients and listeners alike: why do smart, financially savvy people freeze up when it's time to actually commit to a plan?   In this episode: Our wildfire summer in the Okanagan  Why most of our podcast topics come straight from real client conversations (not AI prompts!) The 5 core reasons people hesitate to commit to a financial plan, even when it's mathematically perfect Why trust takes time, and how tools like podcasts and social media help people get comfortable before ever picking up the phone Credit card debt, minimum payments, and the conversation we had with our own kid about it Redefining what wealth actually means  Why "you can't take it with you" isn't the full picture when you have a family relying on you   Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERESpotify – CLICK HERE Free Resources: Free Perimenopause Support Guide | jennpike.com/perimenopausesupport Free Blood Work Guide | jennpike.com/bloodworkguide The Simplicity Sessions Podcast | jennpike.com/podcast Get 20% on thewalkingpad.com using code "JENNPIKE20" Metabolic Guide | jennpike.com/metabolic-guide Get discounts at happybumco.com using code "JENNPIKE" *code doesn't apply with Black Friday sale* Programs: Ignite: Your 8-Week Body Transformation Program | https://jennpike.com/ignite The Peri & Menopause Project  - Join the Waitlist | jennpike.com/theperimenopauseproject Synced Virtual Fitness Studio | jennpike.com/synced Services: Work With Jenn | https://jennpike.com/work-with-jenn/ Functional Testing | jennpike.com/testing-packages Business Mentorship | The Audacious Woman Mentorship:  jennpike.com/theaudaciouswoman Connect with Chris: Instagram | @chrisborsellino Finance Discovery Session | Book Here Connect with Jenn: Instagram | @jennpike Facebook | @thesimplicityproject YouTube | Simplicity TV Website | The Simplicity Project Inc.   Have a question? Send it over to hello@jennpike.com and I'll do my best to share helpful insights, thoughts and advice.  

Today's reflection explores how financial success can grow from intentional decisions, thoughtful leadership, and clearly defined goals. By considering where we direct our support and attention, we create space for greater confidence and possibility around our finances.Start your own journey of reflection, creativity, and intentional growth with the Create Magic at Work Journal or bring the wisdom of the Edgewalker mindset into your daily life with your own copy of the Edgewalker Card Deck. You can find both at https://magicthreadmedia.com/experience

Are you throwing tens of thousands of dollars at staff issues and practice management consultants without actually fixing what's broken in your business?In this episode of The Millionaire Dentist, hosts Casey Hiers and Jarrod Bridgeman break down the critical difference between generic practice management and custom business advisory. Using a powerful real-world analogy, they explore how practice owners often suffer for years from "black mold" problems—like high overhead, terrible tax management, and poor cash flow—while spending $60,000 to $100,000 on Band-Aid solutions that only address surface-level symptoms.In this episode, we explore:Diagnosis Before Prescription: Why prescribing solutions without a thorough, root-cause financial diagnosis is the business equivalent of malpractice.The "Kumbaya" Trap: How focusing solely on staff harmony and practice management can end up padding your overhead without increasing your personal income.Order of Operations: Why you must get your cash flow, overhead, and core financial structure right before trying to scale or fix minor day-to-day headaches.The Growth Fallacy: Why opening a second location or buying another practice often just multiplies your existing staff and financial problems.Stop treating the symptoms while ignoring the root cause. Join us for a candid discussion on getting a proper diagnosis for your practice so you can protect your money, lower your stress, and build long-term wealth.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

The conversation covers a range of financial topics, including year-end financial planning, transitioning to a financial advisory career, the importance of financial literacy and planning, financial planning in your 40s and 50s, balancing finances and life decisions, money as a tool for self-care, and the concept of generosity and financial blessings. The conversation delves into the challenges faced by women in understanding and managing finances, highlighting the lack of exposure to financial discussions in families. It also emphasizes the importance of women's involvement in financial planning and decision-making, especially in the context of retirement and long-term financial security.TakeawaysLongevity and financesGenerosity and financial blessings Financial literacy in womenInvolvement in financial planningChapters00:00 Preparing for Fall and Year-End Financial Planning03:03 Transitioning to Financial Advisory Career06:09 The Importance of Financial Literacy and Planning08:01 Financial Planning in Your 40s and 50s09:45 Balancing Finances and Life Decisions13:01 Money as a Tool for Self-Care17:00 Generosity and Financial Blessings22:24 The Challenge of Financial Literacy29:44 The Importance of Involvement in Financial PlanningLearn more about Lisa Clements and the ways she can empower your fiances For support with hormones, metabolism, breast health, digestion, and whole-body wellness, visit DanaIrvine.com and book a Health Clarity Call.Subscribe to the Wise Divine Women Podcast, leave a review, and share this episode with a woman who is ready to stop fighting her body and start understanding it. 

Living with a roommate can save money and as a college student, that's a huge benefit. But it can also create financial stress, especially if expectations aren't clear. In this episode, I discuss options on how to split expenses, the importance of communication, and expenses you might want to consider. 

Thabo Shole-Mashao, standing in for Clement Manyathela speaks to Tsungai Masendeke, Certified Financial Planner at Liberty, about Liberty Lifestyle Protection, which allows having conversations today that can help you maintain stability and dignity through uncertainty. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Ce mercredi 2 septembre, l'idée du gouvernement de désindexer les pensions et de toucher à l'abattement fiscal de 10%, dont les retraités jouissent de plein droit, dans une optique de réduction des dépenses publiques, a été débattue par Véronique Riches-Flores, économiste indépendante et fondatrice de Riches Flores Research, Louis-Samuel Pilcer, haut fonctionnaire et enseignant à Sciences Po et à l'École polytechnique, et Patrick Bertrand, directeur général des opérations d'Holnest, dans l'émission Les Experts, présentée par Laure Closier sur BFM Business. Retrouvez l'émission du lundi au vendredi et réécoutez la en podcast.

Bruce & Gaydos discuss a new survey by Acorns that says 57 percent of parents said discussing such topics as drugs, alcohol and sex would be easier than talking about money.

Ramit unpacks how resentment, unequal workloads, and conflicting ideas about money can push a marriage to breaking point, even when the numbers suggest a couple should be doing well. Ramit Sethi of I Will Teach You To Be Rich speaks with Lauren and Robert, a married couple who have spent years building resentment around work, spending, and who carries the financial load. Lauren works three jobs, often 55–60 hours a week, while managing most of their finances. Robert, a retired Navy veteran who once believed retirement meant he wouldn't need to work again, has recently returned to work. On paper, they're doing better than they think, but they have just $24,000 in savings, around $70,000 in debt, fixed costs at 81%, and almost nothing currently being directed toward savings or investments. Along the way, a $700,000 inheritance, a $40,000 pool scam, a $3,200 bounce house, and a $150,000 pool became major sources of conflict. Lauren believes Robert needs to earn more. Robert feels like his opinion often doesn't matter because Lauren earns more. But Ramit quickly discovers that more income isn't going to solve what's happening between them. Their resentment has reached the point where they've talked about divorce. To move forward, they'll need to stop keeping score, create a shared vision for their money, and learn how to operate as a team. A special thanks to DeleteMe for sponsoring this episode. Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout. In this episode, we uncover: Why Lauren feels like she's been carrying the financial weight for years Why Robert believed retirement meant he wouldn't need to work again How a $700,000 inheritance shaped the life they built together Why a second $150,000 pool became a major source of conflict Why Robert feels like saying “no” rarely changes the outcome Why Lauren struggles to say no to herself and their children Why Ramit tells them Robert earning more money won't fix the real problem Why they earn more than they realized but still barely save or invest How Robert's childhood shaped his views on work, scarcity, and spending How Ramit helps them rebuild their financial system around partnership Whether Lauren and Robert can stop keeping score and start acting like a team Chapters: (00:00:00) Introduction (00:05:09) Lauren receives a $700,000 inheritance (00:19:00) When the resentment started building (00:31:59) Ramit reviews their financial numbers (00:37:06) Why they're barely saving or investing (00:50:40) Lauren has been managing the money alone (00:56:31) They've never created a shared financial vision (01:03:41) Ramit changes how they talk about money (01:24:39) What their retirement could actually look like (01:27:21) Rebuilding their Conscious Spending Plan (01:35:26) Lauren and Robert's follow-up This episode is brought to you by: Granola | Try Granola totally free at https://granola.ai/RAMIT. Notion | Learn more about how Notion can support your business, at https://notion.com/ramit Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT If you're ready to stop putting off your money goals, Road to $100K gives you a step-by-step plan to reach your first $100,000, focus on what matters, and accelerate your timeline while building your Rich Life. Join Road to $100K at https://iwt.com/100K Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply

Fear about the future can make us question whether God will provide what we need. Financial uncertainty, unanswered prayers, changing circumstances, and long seasons of waiting can make fear louder than faith. But 2 Peter 1:3 reminds us that God’s divine power has already given us everything we need for life and godliness. That doesn't mean we will always know how our needs will be met or when the answer will come. It means we can trust the God who knows what we need before we do. Jesus points us to the birds of the air as a reminder of God's care and provision. When we focus on fear, we can lose sight of the ways God has already been faithful. But when we intentionally remember His goodness, practice gratitude, and focus our minds on what is true, our perspective begins to change. God may provide through unexpected circumstances, generous people, simple acts of kindness, or opportunities to become an answer to someone else's prayer. Whatever today holds, we can trust that God has equipped us for what He has called us to face. Highlights What 2 Peter 1:3 means when it says God has given us everything we need for “life and godliness” How fear about finances and the future can become louder than our faith Why remembering God's past faithfulness can help quiet anxiety What Jesus teaches about God's provision through the birds of the air How gratitude and focusing on God's truth can change our perspective The unexpected ways God may provide for our practical and spiritual needs How simple acts of obedience and kindness can become part of God's provision for someone else Want more encouragement throughout your week? Subscribe to The Good Word, LifeAudio’s free weekly newsletter. Sign up at LifeAudio.com/thegoodword Do you want to listen ad-free? When you join Crosswalk Plus, you gain access to exclusive, in-depth Bible study guides, devotionals, sound biblical advice, and daily encouragement from trusted pastors and authors—resources designed to strengthen your faith and equip you to live it out boldly. PLUS ad free podcasts! Sign Up Today! Full Transcript Below: Equipped for Today: What "Life and Godliness" Really Means By Hannah Benson Bible Reading:“His divine power has granted to us all things that pertain to life and godliness, through the knowledge of him who called us to his own glory and excellence” (2 Peter 1:3 ESV). It’s so easy to fall into the trap of fear, isn’t it? To focus on the limited knowledge we can see rather than the truth of what God says. I often find myself guilty of this. There are times when faith is louder than fear, yes, but there are other times when fear gets louder than my faith. What are you afraid of? Finances, or lack thereof, or the future? The list could go on and on. I’ve been thinking a lot about God’s provision recently, inspired by a much-needed conversation with a good friend. As someone who works in the creative industry, income can ebb and flow and sometimes be inconsistent, and it’s easy to let the fear of the financial future get louder than my faith. And that fear hits even closer to home right now as I watch my family navigate a similar season. You see, my dad was laid off from his job late last year, and no matter how many doors he’s knocked on, as I write this, nothing yet has come through. We know God will provide and that He’s never failed us, but as the days continue with seemingly no answers in sight, sometimes, we wrestle with fear. Dwelling on fear, as easy as it can be to fall into that trap sometimes, is quite unhealthy. Whatever we dwell on and choose to think about will naturally affect what we believe and how we live. This means if we choose to fix our eyes on things above, then that will naturally affect what we believe about God, ourselves, and the circumstances we find ourselves in. I had a moment recently where fear threatened to consume me. I’m talking about anxiety physically gripping my heart, even though at church the previous day we’d talked about the importance of believing God’s truth over the lies in our heads. Yes, the timing was quite “convenient.” There’s a reason Scripture reminds us to focus on: “whatever is true, whatever is honorable, whatever is just, whatever is pure, whatever is lovely, whatever is commendable, if there is any excellence, if there is anything worthy of praise, think about these things” (Philippians 4:8 ESV). Instead of worrying God won’t provide, why not reflect on what He has done in our lives already? It’s good to remember and recount what the Lord has done. When I chose gratitude and to remember His goodness instead of fear, my anxiety began to ease. The truth is, God always provides for everything we need. Often it comes at what we call “the last minute,” but it is certainly never too late. I love what Peter reminds us of in this passage here. God has granted us everything we need for life and godliness. In addition to caring for our spiritual needs, God cares about our material needs as well. When it comes to the practical side, what do we need for life? In Matthew 6:25-34, Jesus tells the disciples not to worry about what they will eat, wear, or drink. And in verse 26 (ESV), he says: “Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?” Let that soak in. If God cares for the birds of the air and provides everything they need, how much more will He provide for His children? Intersecting Faith & Life: Look around you. Do you have food to eat? Clothes on your back? Maybe you don’t know how you’ll pay the bills this month, but maybe you’re not supposed to know right now. I heard a story once about a man who needed money for his little son’s birthday party, but he and his wife didn’t even have that. They didn’t know what to do, but they wanted to bless him. While out on a walk, the Lord led him to the exact amount of money he needed to bless his little boy. When you need it, God will provide it. Sometimes, He’ll provide through a family that gives eggs from their farm to yours all summer. Or who invites you over and offers to pray over you. Or maybe God will use the kindness of a friend who introduced my dad to leadership at the company he works for, in hopes it may open a door for a job. Or what about my friend who took 2 hours out of his day to point me to the Lord and be a listening ear when I didn’t even realize how much I needed it? Sometimes, it’s simple things. Sometimes, we get to be that person for someone else, not realizing how a simple act of obedience can truly bless someone’s day and be what we didn’t even realize they needed. Other times, the Lord allows us to be on the receiving end of His goodness through His children. Pray with me: Dear Father God, please help me to trust that You will give me everything I need for life and godliness. You care about the sparrows and lilies of the field, so how much more do you care for me and provide for me? Thank You for Your provision in my life. In Jesus’s Name, Amen. Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

What does it take to go from working as a candy store cashier to becoming a global CEO? In this episode, Christina Lecuyer sits down with Steve Felder, a seasoned business leader who has lived in seven countries and led organizations across 23 markets in industries including shipping, logistics, and cybersecurity. Steve shares the unexpected twists that shaped his career and the lessons he's learned about the power of relationships, staying adaptable, and remaining open to opportunities. Now redefining success through entrepreneurship, travel, and personal well-being, Steve opens up about building a life on his own terms—including his popular “One Week, One City” LinkedIn travel series. This is a conversation about taking chances, staying curious, and creating a definition of success that evolves with you. About Steve Felder Steve Felder is a global executive, board advisor, investor, and former multinational CEO with 25+ years of leadership experience across North America, Europe, Africa, the Middle East, and Asia. Having lived and worked in seven countries and led businesses across 23 markets, Steve specializes in growth, transformation, international expansion, and building high-performing organizations. Most recently, he served as President of ZIM Canada, following 17 years with Maersk in senior leadership roles across Africa, the Middle East, and Asia. Today, Steve advises companies, boards, and investors across industries including cybersecurity, AI, aviation, sustainability, logistics technology, and M&A. He holds an MBA from the University of South Africa and completed executive education at INSEAD. Connect with Steve on LinkedIn If you enjoyed this episode, make sure and give us a five star rating and leave us a comment on iTunes CONNECT WITH CHRISTINA! Instagram LinkedIn Christinalecuyer.com Book a Free Clarity Call Book Christina For Your Next Workshop

This week, Sarah Segal tells David C. Barnett and Jay Goltz that she has decided it's time to pay more attention to something that can occasionally get lost amid the other demands of running a business: making money. Sarah's agency is having a very good year, with revenue growing 40 to 50 percent. But she's realized that growth alone isn't enough. She wants to know exactly what it costs to hire each employee, what it costs to service each client, whether her fees are covering those costs—and what has to change if she's going to hit a 20 percent profit margin. She's also confronting something a lot of owners struggle with: how much to pay herself. For years, Sarah says, she's been inclined to put the money back into the business rather than pay herself a market rate salary. Now she's trying to do both—raise her own compensation while making the business more profitable.Along the way, Sarah, Dave, and Jay weigh in on how owners can fool themselves about profitability, why growing businesses eventually require real budgets, and what owners should actually expect from their banks. Is a bank merely a safe place to park your cash, or can you expect it to help you finance and build your business?Plus: When should a new business start paying its owner a salary? Dave argues that until a business can pay the owner for the work he or she is doing, it's more of a hobby than a business. He also explains how entrepreneurs can get trapped in money-losing businesses—not necessarily because they still believe in the business, but because loans, leases, and personal guarantees can make shutting down even more expensive than continuing to operate. The episode is brought to you by Grasshopper Bank.

How do you keep showing up for someone you love when grief has already started, and the bills, taxes, legal decisions, and everyday money stuff suddenly land on your shoulders too? Suzy McNamara joins Stacy for a conversation about caring for her husband through early-onset Alzheimer's, losing both her husband and sister in the same year, and finding her footing again through grief. They talk about the financial wake-up call that came with caregiving, why both partners need to understand the household finances, and how small wins can slowly bring back a sense of control. You'll hear them discuss: How anticipatory grief can begin long before someone dies, especially when illness slowly changes the person you love What happened when Suzy realized her husband could no longer manage the finances and how much had already started slipping through the cracks Why leaving all the money decisions to one partner can create a huge amount of stress when illness, incapacity, or loss enters the picture How getting help from financial professionals, friends, and a trusted support team helped Suzy rebuild confidence one problem at a time Why shame and embarrassment around money can keep people stuck, and the power of simply asking, “What can I solve today?” The value of regular financial check-ins with your partner so both of you understand the bills, savings, debt, taxes, accounts, and passwords How learning to manage money became one area Suzy could actually control during a time when so much else felt completely out of her hands Resources Suzy McNamara on Website | "The Silkworm, The Magician and The Sister Tree" Book | LinkedIn Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Will Your Wealth Survive the Next Economic Storm? Tune in on for an inspiring discussion with Ben Reinberg on his work and book Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire to Withstand Every Economic Cycle.Moments with Marianne Radio Show airs in the Southern California area on KMET1490AM & 98.1 FM, an ABC Talk News Radio Affiliate!  https://www.kmet1490am.com Ben Reinberg is a trailblazing entrepreneur, commercial real estate visionary, and wealth-building expert with over 30 years of transformative industry experience. As the CEO of Alliance Consolidated Group of Companies, Ben has facilitated billions of dollars in transactions and delivered an extraordinary 28% historical internal rate of return (IRR) across diverse asset classes. His unparalleled expertise in strategic investments, combined with his revolutionary Hard Asset Empire Blueprint ™ , positions him as a trusted authority on creating financial resilience and building generational wealth. https://www.benreinberg.com  https://www.alliancecgc.com Discover inspiring conversations with today's leading authors, celebrities, thought leaders, and change makers. To learn more about the Moments with Marianne Radio Show, explore guest interview opportunities, connect with Marianne, and follow her on social media, visit https://www.mariannepestana.comExplore the Moments with Marianne Book Club and find your next great read: https://www.mariannepestana.com/book-club/Listen to the Moments with Marianne Radio Show on KMET 1490AM & 98.1FM, an ABC News Radio Affiliate, weekdays at 8:06 AM PT / 11:06 AM ET and Sundays at 10:06 AM PT / 1:06 PM ET. Learn more at: https://www.kmet1490am.com/moments-with-marianne

Send us Fan MailJoin me for the 4th Birthday celebration of the Retiring With Enough podcast.In this podcast I list and discuss the five most listened to podcasts from Retiring With Enough during the last four years.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Should married couples combine finances, or does keeping money separate offer more protection? Anthony sits down with Durelle and Samantha Bailey - Entrepreneurs, Content Creators, and Hosts of The Bailey Way, to discuss the trust, communication, and shared vision required to build wealth as a team.After nine years of marriage, Durelle and Samantha reveal why love alone is not enough, how they built six figures in savings and investments by age 31, and why almost every account they own is joint. They also break down their weekly money meetings, personal allowances, major purchase decisions, and plans to create financial options for their daughter before she is even born.KEY POINTS00:00 – Introduction: Why love alone is not enough to sustain a marriage03:47 – How respect and trust guide financial decisions05:18 – Building wealth around one shared family vision09:27 – How they saved and invested six figures by age 3113:55 – Should successful women protect or merge their assets?17:04 – Why income alone does not make a man marriage-ready21:08 – Three things men need before marriage and family30:39 – Their joint accounts, allowances and full transparency33:43 – How weekly money meetings prevent financial resentment41:54 – Investing now to give their daughter future optionsQUOTES “Over time you learn that it's not about feelings, it's not about emotions, it's not even just about being present. It goes far beyond that. It goes to intentionality in your finances, in your planning, in communicating.” – Durelle Bailey “When you have the time to build your own vision, then you want to protect that, and you want to make sure you're getting into a relationship, potentially a marriage, with somebody who's going to be able to build that with you.” – Samantha BaileyFollow Samantha: IG: https://www.instagram.com/samanthacassandra TikTok: https://www.tiktok.com/@samanthacassandra_ Follow Durelle: IG: https://www.instagram.com/durellebailey/ TikTok: https://www.tiktok.com/@durellebailey The Bailey Way Podcast: https://podcasts.apple.com/gb/podcast/the-bailey-way-podcast/id1891519590https://open.spotify.com/show/4vGAwONisokQkCSIJuUQQD?si=fpLS1SyISGOfj3SxYCOCbg&utm_source=copy-link https://youtube.com/@thebaileyway?si=Qeizptouq_LEGJr6 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.

Depuis 1945, la puissance se mesurait à l'aune de la capacité de projection : dollars, porte-avions, bases militaires. Aujourd'hui, ce paradigme s'effondre. Les États-Unis, hyperpuissance incontestée, échouent à imposer leur volonté, en Irak, en Afghanistan, et peinent à contenir l'Iran. À l'inverse, des puissances régionales, voire des acteurs non étatiques, parviennent à tenir en échec les géants traditionnels. La puissance a-t-elle simplement changé de nature ? Ne résiderait-elle plus dans la capacité de construire, mais dans celle de détruire, de nuire, de bloquer ? L'exemple du détroit d'Ormuz, où l'Iran transforme un goulot d'étranglement maritime en arme de dissuasion massive, illustre ce basculement vers une « puissance de nuisance ». Enfin, dans la course à la puissance, un nouvel élément est désormais à prendre en compte : l'intelligence artificielle. La maitrise des algorithmes, des données et des semi-conducteurs redéfinit la hiérarchie des nations. La puissance de demain se mesure désormais en téraoctets et en capacité de calcul plutôt qu'en nombre de divisions blindées. Les ruptures technologiques rendent les hiérarchies économiques et militaires instables et en permanence susceptibles d'être renversées par la percée novatrice d'un adversaire.   Invités :  Sabine Jansen, rédactrice en chef de Questions internationales, professeure des universités au CNAM et chercheuse associée à Paris Cité Frédéric Ramel, professeur des universités en science politique à Sciences Po, coordinateur du réseau thématique du Groupe de recherche sur l'action multilatérale au CNRS Guillaume Heim, haut fonctionnaire à la direction générale des entreprises du ministère de l'Économie et des Finances, spécialiste des enjeux technologiques et de leur dimension stratégique. Enseignant à l'université Paris-Panthéon-Assas.  Édition en partenariat avec la revue Questions internationales : « Les empires contre-attaquent. La puissance au 21ᵉ siècle ». À lire aussiNouvelles technologies et enjeux géopolitiques

Escaping the Beast's Trap (1) (audio) David Eells - 8/30/26 B. A. - 03/14/2012 (David's notes in red) (The foundation for this dream is that the D.S. is poisoning the food and water supply.) I dreamed I was walking down my lane, as the morning was dawning, to go up to the main road to the mailbox and get the newspaper. Just as I got to the road, I saw one of my neighbors getting into his truck. He drove up to me and said, “You'd better get to Walmart quickly; they are giving away free food, water, medicine, and gas”. (Trusting in the arm of the flesh. Psa.146:3 Put not your trust in princes, Nor in the son of man, in whom there is no help. Pro.3:5 Trust in Jehovah with all thy heart, And lean not upon thine own understanding. Heb.12:16 lest there be any fornication, or profane person, as Esau, who for one mess of meat sold his own birthright. I said, “My husband is asleep, so I will have to wait until he wakes up”. My neighbor said, “Well, I wouldn't wait too long or you might miss out”. Then he left. I went on over to the mailbox and got the newspaper. I got halfway back down the lane when I heard a voice say to me, “It's a trap; it's a trap. Don't go”. Jer.17:5 Thus saith Jehovah: Cursed is the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from Jehovah. 6 For he shall be like the heath in the desert, and shall not see when good cometh, but shall inhabit the parched places in the wilderness, a salt land and not inhabited. 7 Blessed is the man that trusteth in Jehovah, and whose trust Jehovah is. 8 For he shall be as a tree planted by the waters, that spreadeth out its roots by the river, and shall not fear when heat cometh, but its leaf shall be green; and shall not be careful in the year of drought, neither shall cease from yielding fruit. I asked, “What's a trap?” The next thing I knew, I was standing in a Walmart parking lot. The lot was packed like it always is, so I asked what was wrong. I heard that same voice say, “Look at the people”. So I looked at the people. They were coming out of the store with grocery carts full of items and getting into their cars and leaving. I asked again, “What's wrong?” The voice said, “Look closer at the people”. So I zeroed in on the people, and all of a sudden I noticed they were all wearing dog tags. (Symbolizing trading needed free stuff for freedom.) Then I found myself inside the store. There was a long line on the left side of the store against the wall. They had it set up like at the airport with the roped lines, so the flow of people would be orderly. The store was full of products and people were shopping, so everything looked normal to the people in line. However, I noticed that the people shopping were wearing dog tags like the people in the parking lot. My oldest brother had been in the military years ago, so I knew what these dog tags were. I said to myself, “These are soldiers dressed up as civilians”. (Government giveaways are designed by the beast system to trap you into trusting in them until you are addicted in your mind. The flesh pots of Egypt were a government giveaway to the slaves to control them. The people who own the megastores are owned by the same people who own the government and military. Bondage to them is the spiritual mark of the beast. Pharaoh will rule the slaves.)  All of a sudden, I was standing at the back of the store. The store manager was standing in front of a set of doors marked Personnel Only. I noticed he was wearing dog tags as well. (Government and big business are one in socialism.) He was telling the people that only four people at a time could go with him to be processed to get their vouchers for the free stuff. He had them line up two on the left and two on the right behind him. As they went through the first set of doors, there was a breezeway area, then another set of metal doors. He told them that when they went through the next set of doors, two women would be sitting at a desk, and they should go up to the desk and wait. As soon as these people got up to the desk and the second set of doors closed, four very large men (they looked like sumo wrestlers) came up behind these people, put their hands over their mouths and gave them some kind of a shot. (The giants of their own flesh will bring into bondage those who do not believe the promises but trust in men. Flee into the wilderness where God provides out of heaven through faith and the old man is dead at the Red Sea. Php.4:19 And my God shall supply every need of yours according to his riches in glory in Christ Jesus.) Then these soldiers took their driver's license and car keys from them. (I believe the driver's license represents taking away their identity or place in Christ, and the car keys represent taking away their freedom; they NOW belong to the beast -- lock, stock and barrel!) (At first they will want your Social Security number and income to receive food; now it will be the Digital ID; then the Mark will make it easy for you. This gradualism is the way to harden one's conscience. Remember when they mandated the vaccinations, and you could not travel, go back into work, shop in stores, dine out, etc., unless you were vaccinated and everyone was forced to wear a face mask? This was a type of their ways to institute the Mark.) The two women sitting at the desk stamped these people on their right hands. (Representing the beastly works of flesh.) (Rev.13:16) And he causeth all, the small and the great, and the rich and the poor, and the free and the bond, that there be given them a mark on their right hand, or upon their forehead. I got closer so I could see what the stamp read; it read, Bus #1, Section A. Then these people were led out the back door onto a waiting bus. These people couldn't put up a fight, as the shot they were given made them like zombies and they could barely walk. (They stumbled out of the way, put to sleep by demons using the lusts of the flesh.) These people's, or victims', driver's licenses were placed in a box that read, Bus #1, Section A, as well. I'm sure this was so they could keep track of who they were and where they were taking them. Their car keys were given to some soldiers standing close by. (They are no longer individuals using cars but members of the collective riding buses; they are one in the beast body.) I decided to follow these soldiers with the keys to see what they were going to do. They found these people's cars and drove them off the parking lot. I then went back to the bus to see what was happening there. I noticed they started taking people to the back of the bus and working their way forward. When they would get two people in a seat, there was a large harness that came over these people's shoulders. Then the soldiers reached down and grabbed another harness that went through their legs, and it all joined together at their waist and locked. There was no way these people could get up. (They will be spiritually brought into bondage and few will escape. They will either deny the Lordship of Jesus over them and serve the collective or confess Jesus before men and lose their beastly life for their heavenly life.) Then, again, the next thing I knew, I was standing in a large field off a dirt road. This field was full of empty car carriers. I watched as the soldiers drove the people's cars onto the field and up onto the car carriers. When the car carriers were full, they drove away. I lost count of how many there were, as there were so many. I just stood there trying to digest everything I had just witnessed. I closed my eyes and when I opened them again, I was back home on my lane. (Many will lose their individuality and freedom as the economy crumbles through mismanagement, war, natural catastrophes, and plots of the DS globalists. The so-called “Golden Age” does not fit with the Rev.13 mark of the beast.) I stood there thinking how clever that whole process was; they didn't have to go to the people. They devised such a clever way to have the people come to them without putting up a fight, like lambs to the slaughter. (It is natural for those who have no faith to gravitate to the beast for salvation in all forms, for they worship him.) Also, I thought to myself, they have been planning this for a long time. Walmart would be a very logical staging area, as they provide food, clothing, supplies, water, medicine and gas. They are always advertising it as a one-stop shop; now we know why! I took another look at Walmart. For some reason, I looked at it in reverse from the dash out, and it reads “Mart law”, or martial law! Then I woke up. (They will be the number one store under martial law. Mom-and-Pop stores will continue to die. Cheap Chinese labor and materials will win. An executive order was signed on March 16, 2012, giving the Executive Branch the power to control and allocate all energy, production, transportation, food and even water resources by decree. They have control over all food, farms, livestock, farm equipment, fertilizer and food production across America.) A secret behind Walmart's rapid expansion in the United States has been its extensive use of public money. This includes more than $1.2 billion in tax breaks, free land, infrastructure assistance, low-cost financing and outright grants from state and local governments around the country.   “It's a Trap” Henry Jansen - 03/29/2012 (David's notes in red) I recently had a few interesting experiences, one of which involved David in a dream. Because of the common theme of “a trap or being trapped”, I thought I would share it. Here is some background:  My work requires me to travel to our company's project sites once or twice a month. The trips can be a few hours long, so I normally listen to UBM teachings. One of the ladies who works for me (a Christian lady I will call “S”) sometimes travels with me to the site when she is required to discuss some things with the site staff to complete her work. As we are both Christians, I play UBM teachings during our trips, and “S” has listened to these with interest. Until recently, “S” was a smoker (with a bad cough and high blood pressure) and no amount of prodding from other staff to quit could convince her to do so. She has a twin sister who is also a Christian and her exhortations to “S” to quit smoking also bore no fruit. “S” tried to quit a few times in the two years that I have known her but always fell back into the habit again. I noticed this going on but didn't feel led to say or do anything about her smoking habit. About a month ago, I was planning to visit a site again, and “S” was going to travel with me. The night before the travel date, the Lord put it upon my heart to dig up an old UBM teaching from March 2008 on smoking and play it during our trip to the site, which is what I did. The Spirit brought a strong conviction upon her during the teaching, and about halfway through it, she took her cigarettes and lighter out of her handbag and handed them to me. She said she never knew the things about smoking that you taught and realized that she was in bondage to demons. She suddenly had a strong urge to be free from this bondage. We stopped at a town halfway to the site. I gave her the cigarettes and lighter, and she threw them both into a trash can. That was the last time she touched the stuff. When we returned to the office later that day, the Lord put it upon my heart to pray with her, commanding the spirits of bondage to leave her and not return. We also asked the Lord to deliver her from any withdrawals, and she didn't have any. The next day, she came to work with a bright, sunny face, saying she felt as if a weight had lifted from her. Through your teaching, the Lord has made her free from the bondage of smoking forever. Since then, she also started to listen to UBM Bible study teachings regularly. The Lord has also led her through various events recently to remind her of her deliverance and she is now ministering to bring others out of this bondage. One event she had was driving to a site in a car that was owned by a heavy smoker. Driving in the smoke-smelling car made her violently ill, and she had to stop to be sick along the way. The Lord has a sense of irony, doesn't He? Now for the next bit: About a week ago, “S” asked if we could have a meeting. She told me that she was awakened at around 3:00 am by a voice saying the words, “It's a Trap. It's a Trap”, repeated a few times. Because of the urgency of the voice and her anxiousness over it, she couldn't sleep and got up and listened to the latest UBM Bible study, which happened to include an interpretation of a dream received about being Trapped by the Beast. (The above revelation was an amazing confirmation that the same words were used in this dream as in “S”'s revelation: “It's a trap. It's a trap. Don't go”.) I thanked her for telling me and left it at that, thinking that I would listen to the UBM teaching she mentioned to hear what it was about. I have not listened to this teaching yet. Then, a few days ago, I had this dream: I was working for David Eells. David asked me to go to a meeting that he was scheduled to go to in town. He could no longer attend, as he had other commitments. (It appears as though I will not fall into a government sting operation.) I knew that the meeting was with government officials and that the meeting was about the government wanting to sell weapons to David. The meeting time was set for 8:30 am. (Praise the Lord that I don't want any of the world's weapons.) On the day of the meeting, I was at an office in a town, and I got there on my bicycle. While attending to my activities in town, I forgot about the meeting I was meant to attend on David's behalf that day. When my activities in town were completed, I got on my bicycle to ride back to the center of town. While riding on my bike, I suddenly remembered that I was supposed to attend that meeting for David. I looked anxiously at my watch and noticed that it was 8:10 am, so, fortunately, it was not too late yet. I then suddenly remembered (the following events actually happened ...) a meeting I had with one of my work colleagues, during which she told me that a voice woke her early one morning (about 3:00 am), saying the words, “It's a trap. It's a trap”, repeated a few times. Because of the urgency of the voice, she couldn't go back to sleep and instead decided to listen to the latest UBM Bible study teaching. It just happened to be the teaching Trapped by the Beast. She was so startled by the whole experience that she told me about it the next morning at work. As of the writing of this dream, I have not yet listened to that Bible study. In the dream, I remembered the meeting with my colleague and what she had said, and then it suddenly dawned on me that the meeting with the government was a “trap”. The government was trying to set a trap for David and this meeting was part of that trap. I suspected that the government was planning to set up a meeting with real arms dealers and then planned to arrest everyone who attended the meeting. (I have no need or desire for physical arms. It appears that the government will seek to try to trap church leaders into giving them proof that they were guilty of taking up arms against the government in order to imprison them.) No amount of explaining that the meeting was to be with government officials will matter. I then realized I had to let David know as soon as possible and cycled to what I thought was the center of town. I looked for a place to park my bicycle and noticed two separate sets of stairs (made from concrete or masonry) leading down from the level I was standing on to some other level of town far below me. I tried to take my bike down the first set of stairs but quickly realized it was very steep, with narrow steps and dangerous; if you stumbled, you could be severely hurt. I then took the second set, which had a gentler slope, to the bottom. When I got to the bottom, I tried to park my bicycle, but all the bicycle parking spots were full, and I couldn't leave my bike safely anywhere. No matter where I looked, I couldn't find a parking spot for my bicycle. They were all taken. This made me very frustrated. (A sign of there being many people in the underground Church.) I then cycled to David's place. When I got to where I thought David lived, I didn't see a house but noticed a shed, which I understood was a workshop. I also “knew” that David drove a car and his parking garage was underground. I remembered seeing the garage door open at some previous time. I knew the garage door hinged up out of the ground when it opened, and one had to drive into a hole in the ground to park the car. I couldn't see the garage door when I arrived and realized it must be closed because when the garage door was closed I couldn't see the garage at all, as it was covered with vegetation and level with the ground (camouflaged). I pushed my bike into the workshop to look for David and to find a place to park my bike. I noticed an old bike rack inside the workshop with some kids' bikes and an adult bike (similar to mine) taking up all the slots in the old bike rack. The bikes were covered with dust and looked like they hadn't been used for a long time. (Could it be that my spiritual children have outgrown their “kids' bikes”?) I couldn't find any room to park my bike. I saw a man whom I knew as “Newman” (“new man” in Christ) and asked him if he had seen David. He said he had seen him twice that day.    Tribulation, Government, the Mark & Evangelism Sultana - 09/17/2007 (David's notes in red)  The year before 9/11, I dreamed of four explosions. I told my husband that the World Trade Center was blown up and I saw an explosion on the ground, then I saw the Pentagon explode. (fulfilled) In 1998, God sat Kevin down and said, “The government will be altered in a way that it is not overthrown, but our freedoms will change. All the people who hated God's people will now have the ability to persecute them and even kill them like they could not in the past. (Update: Kevin did hate and kill God's people and died for it.) This was very similar to martial law; military police will evolve on a global scale. People will have to choose whether they will cooperate with this government or suffer without its benefit (the mark). Many professing Christians will give their allegiance to the new system of government in order to keep their freedoms and benefits in this world. In spite of the persecution of the body of Christ, personal evangelism and missions will thrive during this time. Finances will flow for missionaries and relief of suffering churches like never before (which does not make sense to me). (Father has already planned for this time and we will have every need met.) However, the compromising believers will receive a demonic guilt because they denied the Lord and their brothers in order to keep their comforts. They will not be able to repent of what they have done, nor will they escape the torment they will feel for denying Christ (reprobation from the mark). The pressure will be so great that you will not be able to prepare for it then. Now is the time to sell out for Christ and give your very all to Him. Preparing now is the grace to be ready for that time”.   Escape from Walmart Cassandra – 8/17/2021 Dear brothers and sisters in Yahushua, I had a brief dream last night of escaping a Walmart. Others have mentioned that many of the Walmart stores have been [or will be] converted to FEMA camps, and I remember reading about that, Jade Helm, and even railroad tracks leading out of the Walmarts. Also, people being sprayed with something when entering, and the hand scanners for MOTB payment. Walmart/Martial Law. (That's what B.A saw too.) My dream was brief; my daughter and I were in a Walmart (which, in real life, I would never do; I stopped going to those places years ago; stay out of the Walmarts!) and as we went to leave, I noticed HEAVY MILITARY-TYPE SECURITY near the entrance and the checkout areas. It looked sort of like the riot police, except it was even more advanced. Black colored armor; maybe some were even robots or hybrids. Scary-looking, and there were 5-7 around each checkout area. Somehow we drove out the front door in a car, bypassing the checkout areas to escape. I took some different route as we left, in case I was being followed or tracked. Now that I think about it, I have had another dream of escaping a Walmart, but this one, I was just in the parking lot area and knew not to go in, but that I needed to escape the area. End of dream.  Note: I had a strong feeling others were unable to get out or escape from Walmart.  It could be that the military/security presence was there due to inflation and scarcity of items. I am not sure. It felt more ominous than that, but I have also read that as grocery prices inflate and food becomes more scarce, food trucks and grocery stores will need extra security. See related article:   FEMA Rounding Up “Radical Christians” into Closed Walmarts 8/4/2017, Jennifer Schultz (link) Had another dream last night. It dealt with FEMA, Walmart, and Trump and Obama. It started out with FEMA buses coming into every town, rounding up the “radical Christians,” as the director told an agent who was rounding up the people. They were taken to Walmart. More stores started closing due to false “plumbing issues,” like the ones down south did.  The UN and FEMA were working together. Pastors were ratting out people in their church who didn't vaccinate, who believed in the 2nd Amendment, and who were truly on fire for God. Then I saw Obama talking to “ISIS.” He threw down a picture of Trump and told the sniper/shooter, “I want him to be next.” There was a bullseye in the middle of his forehead. Before I woke up, I saw dark clouds coming across America along with bugs that were huge, and they had on armor with razor-sharp teeth. (The shots were found to cause cancer from bugs in the bloodstream.) When I woke up, I asked God if it was from Him. The verse about ‘what is hidden in darkness will come to light' came into my head. Luke 8:17 KJV For nothing is secret, that shall not be made manifest; neither any thing hid, that shall not be known and come abroad.   Almost Trapped In a 15-Minute City  Cassandra -12/12/2013 The time this was received, 1:30 a.m., 130 in Strong's Greek, is shedding of blood. I had a dream I was riding a bicycle on a freeway leading into Minneapolis. Normally there are no bicycles on a freeway. All of a sudden, the road was closed. Those of us on bikes (I think bicycles may represent homelessness, or poor people) (or lack of gas or EMP) had to get off of them and leave them and go into a certain area while the road was being fixed, or so I thought at first.  I tried calling my friends to drive and come and get me, but then realized they would be stuck there too.  The area behind the construction reminded me of a bad area in Minneapolis. I soon realized that all of the apartment buildings looked vacant.  Those of us who had been taken off the road were moved into a building. Others and I were forced off the freeway. There seemed to be a “nice woman” there showing us buckets of supplies. The buckets were from Trader Joe's, a local grocery chain, and I have seen these buildings going up with Trader Joe's and also a Lunds on the ground floor of these apartments. The buckets had a roll of toilet paper in them and not much else. I think at that point, it dawned on me that this was a 15-Minute City and they were trapping us. I lied in my dream, which I try not to do (forgive me, Father, for this), and told the “nice lady” my ride was there. She let me leave. I saw a few others escaping and quickly followed them. I saw our bikes and grabbed one, but the front wheel had been bent (intentionally, so we couldn't escape?). I grabbed another bike, and it worked. End of dream. These 15-Minute Cities are real, folks. I have seen several of these apartment buildings in the Minneapolis/St. Paul area. They are easy to spot because they have grocery stores underneath. You do not want to move to or get trapped in these places. This ties in with a dream someone else had where, when you see the cities getting ready to be bombed, you have about half an hour to flee and get out. Those that get stuck there will be rounded up and moved somewhere. Those stuck in these cities will be forced to be a part of the beast system, or likely be sent to a FEMA camp for martyrdom.  I just had an awful flashback; a real memory. Several years ago, I saw a huge truck carrying what looked like human-sized portable incinerators. I am also reminded of a recent story in the news of all the homeless in San Francisco disappearing the night before world leaders were coming in for a meeting. 11/11/23.  This is coming to the US. Look at what they have allowed in Israel. B.N. is a war criminal. They know the areas of land they want and what their plans are. They will remove anyone standing in their way and have no regard for human life. These plans have been in place for a long time. Everything is in place. The good news is that Jesus is with us. He is with the poor. He will be with us in captivity and even in martyrdom. Are you ready if this is your fate? Are you ready to flee your home? There will be Goshen's or safe havens for some. Are you ready spiritually for all that is coming? Betrayal from your nearest and dearest? There have been so many messages warning to brace yourself and be ready. Pray for help on this; I do as well. Pre-trib rapture is a lie; repent if you have allowed yourself to be deceived by false prophets, teachers, and preachers. Wake up to the truth.  Please heed the warnings given on this site, brethren…. Cassandra. So, how do we prepare to escape these traps and captivity?   Escaping the Tribulation Mark Sandy Shaw - 11/08/2011 (David's notes in red) When I had this dream on November 8, 2011, I knew that we were already in the middle part of tribulation. They were already making it mandatory that everyone get the mark. We were still where we live now, but we were getting ready to move up on “the hill”. Michael (Meaning “who is like God”) had come through the side or sunroom door and I saw him. Then he said, “The last one is gone”. I'm not exactly sure what that meant, but at the time I felt that there was no one left at the school. (The first 3 1/2 years of the tribulation are for training, just as it was in Jesus' ministry before Acts. Then the disciples or Two Witnesses went forth two-by-two into every place Jesus was about to come.) I knew that we were preparing to go to “the hill” (representing escaping the mark in Zion).  Then the Lord took me from this house to a room. In the room, there were a bunch of men in suits (stuffed shirts is what I used to call them) and you could tell that they had much money and were up to no good. They couldn't see me, though. (Invisibility, or the secret place of the Most High, will protect many from the Beast's plots.) They were talking about the barcodes that are on everything we buy. While listening to them talk about the barcodes, the mark that people took was linking them up to all kinds of things electronically, including the barcodes. They showed an instrument that couldn't have been more than 4” wide and 7” long. This machine had buttons to push and a little screen. They could tell, by pointing this machine at a house, who bought what and who lived there because of the codes and marks they had accepted. They also knew who did not buy items in your house; these items were either given or traded. This was how they found out who didn't have the mark. When they pointed this machine at a house and saw a bunch of store-bought stuff there, and no one in the house had accepted the mark, then the soldiers would go in there and take the people to the FEMA camps. The FEMA camps were changed from an earlier use to now house these prisoners who refuse the mark. It reminded me of the Nazi concentration camps of Hitler, where the Jews were sent to be slaughtered. After hearing these men talk about all this, I was at “the Hill”. I knew that we were already living at “the Hill”. There were many from the local UBM at “the Hill” and some other faces I hadn't seen yet. While we were up there, I was very upset. I kept hearing a man, as if he was standing next to me, crying out to God for help. I was standing in a room with David Eells, Michael Hare, another brother, and my husband. I was crying and telling them that I kept hearing this man crying out to God, and we needed to go back down and get him. I told them that I knew where the house was. I was pleading with them to go back down because it was dangerous times to do that. David, Michael, and I got into a small car that I had not seen before. We then drove to the house. The house and neighborhood around it were empty. Michael asked, “Are you sure this is the house? Because all of these look empty.” (The underground railroad will once again be in use to rescue others from the mark and beast. “Righteousness delivereth from death.”) I said, “No, this is the house. As we go in there will be a stairway. Behind this stairway is another hidden door leading down to another stairway. They are in the basement. I had only heard a man crying out, but I had a feeling that his family would be with him.” But there were even more people than I thought in the dream. It was him (the only male), his wife, and children. Then, there were two more women and their children (whose husbands had been killed). So, we all packed into this small car. Almost all the children were in the trunk, and we were all sitting in laps on top of laps. This was so we could all fit into the small car. I was driving the car. As we pulled out, we looked, and the soldiers were entering the house. But we kept going.  When we had driven just a few miles, soldiers pulled us over. I told everyone in the car to be quiet and not to say a word, to let me do all the talking. No matter how long it took, to be quiet. I had some kind of papers, and I was showing them to the soldiers. The soldiers knew they needed to accept those papers, but they didn't want to. (So they all escaped to the Hill.)     Who Will Escape to the Hill? Psa.15:1 Jehovah, who shall sojourn in thy tabernacle? Who shall dwell in thy holy hill (Zion)? 2 He that walketh uprightly, and worketh righteousness, And speaketh truth in his heart; 3 He that slandereth not with his tongue, Nor doeth evil to his friend, Nor taketh up a reproach against his neighbor; 4 In whose eyes a reprobate is despised, But who honoreth them that fear Jehovah; He that sweareth to his own hurt, and changeth not; 5 He that putteth not out his money to interest, Nor taketh reward against the innocent. He that doeth these things shall never be moved. Psa.24:1 The earth is Jehovah's, and the fulness thereof; The world, and they that dwell therein. 2 For he hath founded it upon the seas, And established it upon the floods. 3 Who shall ascend into the hill of Jehovah? And who shall stand in his holy place? 4 He that hath clean hands, and a pure heart; Who hath not lifted up his soul unto falsehood, And hath not sworn deceitfully. 5 He shall receive a blessing from Jehovah, And righteousness from the God of his salvation. 6 This is the generation of them that seek after him, That seek thy face, [even] Jacob.  Psa.125:1 They that trust in Jehovah Are as mount Zion, which cannot be moved, but abideth for ever. 2 As the mountains are round about Jerusalem, So Jehovah is round about his people From this time forth and for evermore. 3 For the sceptre of wickedness shall not rest upon the lot of the righteous; That the righteous put not forth their hands unto iniquity. 4 Do good, O Jehovah, unto those that are good, And to them that are upright in their hearts. 5 But as for such as turn aside unto their crooked ways, Jehovah will lead them forth with the workers of iniquity (the mark). Peace be upon Israel. Isa.43:1 But now thus saith Jehovah that created thee, O Jacob, and he that formed thee, O Israel: Fear not, for I have redeemed thee; I have called thee by thy name, thou art mine. 2 When thou passest through the waters, I will be with thee; and through the rivers, they shall not overflow thee: when thou walkest through the fire, thou shalt not be burned, neither shall the flame kindle upon thee. 3 For I am Jehovah thy God, the Holy One of Israel, thy Saviour; I have given Egypt as thy ransom, Ethiopia and Seba in thy stead. 4 Since thou hast been precious in my sight, [and] honorable, and I have loved thee; therefore will I give men in thy stead, and peoples instead of thy life. (Those who will take the mark.) 5 Fear not; for I am with thee: I will bring thy seed from the east, and gather thee from the west; 6 I will say to the north, Give up; and to the south, Keep not back; bring my sons from far, and my daughters from the end of the earth (to the Holy Hill); 7 every one that is called by my name, and whom I have created for my glory, whom I have formed, yea, whom I have made.   America in Darkness after Judgment David Eells – 8/26/26 In the morning when I was in the midst of waking up, I had a dream that turned into a vision. I believe it was about Christianity in the U.S. I was standing on a line between two visions of the near future. Part 1 was to my right and Part 2 was to my left and a result of Part 1. Part 1 was a large room representing the U.S. Many chandelier lights were hanging from the ceiling and were very bright. (I believe this may be the EBS revelation of all the criminality that has been done in darkness being revealed to the people. Also the Man-child reformers will be anointed to share truth, which will anger criminals of church and state.) While still standing on the line, I looked to the left or Part 2. It was the room, but the lights were gone including the fixtures. Then when I looked straight ahead down the line and just past the two rooms, I saw a tornado. (This is what I believe caused the darkness and represented judgments, probably the ones we have been discussing as coming soon: earthquakes and volcanic activity through the Ring of Fire. These judgments will destroy and plunder the new economy that the right wing is now creating. Of course, the left would blame the right for this and harden and change many minds. A tornado also represents wind turning around abruptly to go in the opposite direction. Winds of doctrine or teaching represent a change of mind, probably of the people in the U.S. For those who will be righteous, this will be a good change of mind, but for those who will be wicked, it will be a bad change of mind. There is a polarization happening in the U.S. and the world between left and right.)  When I saw the tornado, I ducked behind the wall of the second time period and felt safe. Please remember that the people who considered themselves the people of God sided with the Roman Beast to persecute and kill the disciples of Jesus. Ecc.1:9 That which hath been is that which shall be; and that which hath been done is that which shall be done: and there is no new thing under the sun. Mat.24:9 Then shall they deliver you up unto tribulation, and shall kill you: and ye shall be hated of all the nations for my name's sake.  Now let me share the following revelation:   From: “REVIVAL List” Date: Fri, 21 Nov 2008 Subject: [revival] THE END of EMPIRE AMERICA - Robert Holmes NOTE from Mario Liu: On 16 October 2008, I was in a prayer meeting with Robert Holmes and Kurt Pfanstiel, who was visiting us from the USA. Robert shared with us a vision he had recently received. Robert had a vision of Alexander the Great standing victorious in the middle of the USA. We discussed Robert's vision in some details. Alexander the Great in the vision was a foreign looking man. He was surrounded by many US citizens, who seemed to welcome Alexander as their leader. I asked Robert whether there were any signs of violence and Robert said, no. I remembered God has given similar visions before about Alexander the Great conquering USA and we did not understand God's meaning then. Now that God repeated this vision, I felt that there is significance in this and asked God for more revelations, such as which country is conquering USA, who is Alexander, etc. But God did not give us any clear revelations apart from saying that “Alexander took Babylon without bloodshed.” After the US election, Robert recognized that the Alexander he saw was Obama. Then God revealed more information. These revelations are enclosed below... We need to pray.   THE END of EMPIRE AMERICA by: Robert I Holmes (David's notes in red) This article will cover a range of issues which have been brewing for six to twelve months in my heart. History will judge America as an empire. That empire is coming to an end. The election of Barak Obama is a significant prophetic event, marking the sunset of that empire, and the rising of other powers in the earth who represent ancient powers and civilizations. (But few know that B.O. still sits at the top of his leftist empire pulling the strings. He recently proudly admitted to being Biden's head.) These ideas have consequences for believers living both in the US and the countries that rely on her (like Australia). … Barack Obama became President of DS ruled Babylonian America. Although he severely weakened America, he did not conquer her during his presidency. Hillary was to be Obama II and would have finished the job … but God used a modern-day Cyrus of the Media-Persian Empire to conquer Babylon America. Clearly, this is President Trump, who, as a Cyrus also discovered the “hidden treasures of Darkness” (in underground tunnels of darkness), spoken of in Isaiah 45. Using this and other reforms as a lure, President Trump has come to lead a mighty Alliance of Nations. Where he also set the people of God free from Babylon to rebuild the Kingdom of God and also bankrolled it with Babylon's stolen loot. No one else has followed in the steps of Cyrus but President Donald Trump. Keep in mind there are not two kingdoms involved here but three. Original Babylon ruled by the DS Obama, then Babylon under Cyrus/Trump, and then comes this Babylon conquered by Alexander the Great, whom Robert saw as Obama in his vision. It was reported by the military that Barack Obama was arrested for his crimes and taken to Gitmo. There he was given a monitoring boot and told to play his part under their direction, but he rebelled and they took him back to Gitmo and shot him. However, it was after this that the military began to discover clone-growing labs that were manufacturing copies of the important DS criminals like Obama. LATER they learned how to tell the difference between a clone and the original. I believe it is likely that the DS had their clone of Obama available when they took clone Obama back in and shot him. Obama is known to still be out there and calling the shots for the DS. Remember, Alexander did not come until AFTER the Media-Persians under Cyrus/Trump conquered Babylon. It was DS Obama Babylon, then Trump Media-Persia, then Alexander of the Grecian Empire. Obama is still in the third Empire as an Alexander to conquer Trump. Remember history must repeat. Ecc.1:9 That which hath been is that which shall be; and that which hath been done is that which shall be done: and there is no new thing under the sun. 10 Is there a thing whereof it may be said, See, this is new? it hath been long ago, in the ages which were before us. We know the prophecies were manifest through history naturally as these three Kingdoms, but somehow these beast kingdoms must be repeated and we are watching it. Another thing that should not be forgotten: Obama was a figurehead for the DS and their 4th generation AI computer. Trump's steps came from a 5th generation AI computer that was programmed by the people pushing him. I take nothing from him; he is a genius. Alexander had political power back home holding down the fort. Revelation's seven-year Tribulation beasts, both the Dragon and then the Beast, had seven heads, not one. Nowhere in the bible does it describe one “antichrist beast.” See absolute Biblical proof in our book, Hidden Manna For The End Times. Jesus said there would be many antichrists. Only in parables of dreams, visions or types is a man described and sometimes a very big man, which identifies a corporate body head. Also, according to history repeating, Alexander is still coming to conquer the Medo-Persian/Cyrus/Trump/Empire. Back to Robert I Holmes: -   Alexander Cometh! In 1999, as I prepared to travel to the US on ministry, the Lord gave me a very unusual prophetic word. He said that “In the days of Babylon, when her walls stood wide and her leaders stood tall, her defenses were strong and her campaigns victorious, (Babylon under the Trump Alliance of nations) Alexander the Great (Obama) came and defeated her. In the same way, my Alexander will stand in the very midst of the United States of America”. The phrase “in the same way” indicates that America's walls are wide, her leaders stand tall, her defenses are strong, her campaigns until now have been victorious. (This best describes Cyrus/Trumps Alliance campaigns) But a man like Alexander - someone God refers to as “my Alexander” will stand in her midst, victorious and defeat her. Alexander the Great, a Mediterranean Greek, defeated Darius the Mede in 331BC at the Battle of Gaugamela (Darius ruled Babylon due to Cyrus' victory), and the gates of Babylon swung open to him (Alexander/Obama) (when he was just 25 years old). He stood in the midst of the courtyard declaring himself king. He then spent considerable time and effort trying to restore Babylon to its former glory. (Which neither Alexander nor Obama are capable of, for God decreed its fall.) As I prayed in preparation for going to the US two weeks ago on ministry again, I had a vision of a map of America from high above. There, almost in the centre of it was a marketplace. I zoomed down toward the marketplace and saw a man standing there. I recognized by the Spirit that it was Alexander the Great, standing in a dusty, sandstone area, sword lifted high, victorious. I believe that God's “Alexander” is Barak Obama. (If so, and I don't doubt it, he would come after the Trump Alliance to conquer it. Trump has prepared everything for the beast. The one world order, the world economic system, complete control and knowledge of everyone's business through satellite and Artificial Intelligence. Cyrus/Trump will be good to give time for the reformers to mature the saints for when the beast makes war on them in the second half of the tribulation.) He has now stood in the middle of America and declared his victory speech in Grant Park in Chicago. There, he prophetically declared, “Change has come to America,” (6). Yes indeed, it has. Barak, apart from having the appearance of a Middle Eastern or African man, is also very young and inexperienced. Barak Obama has not even had a full year in his Senate position. I do not question the right of a 47-year-old to rule a nation, but his inexperience is not reduced by his amazing oratory skill. “Your sons will take the place of your fathers; you will make them princes throughout [in all] the earth,” (Psalm 45:16 NIV). He represents the end of empire America as we know it, and the opening of a new regime, one which, like Alexander, represents a conflagration of old powers (But Alexander/Obama? conquers Cyrus/Trump's America. The Alexander Grecian Empire came after the Cyrus/Trump Media-Persian Empire): European, Middle Eastern and Asian. He will try to restore America's glory, but in doing so relegate her to second position on the global scene. (Obama's job was to conquer America but failed to finish the job. He is still working as Alexander to conquer Trump's America.) The prophet Daniel, who wrote his book from 605 to 530 B.C., predicted Alexander would head a world power around 200 years before it happened (see Daniel 2, 7, 8 and 11). In Daniel 2, his empire is described as a belly and thighs of bronze (brass) in King Nebuchadnezzar's dream (Daniel 2:31-32, 39). In Daniel 7, it is described as looking like …The leopard with wings.   The Four Generals Will Conquer Alexander/Obama Eve Brast - 1/29/10 (David's notes in red) (I asked God to confirm my role in this dream as a watchman on the tower. Twice, I opened my Bible and put my finger down. The first was Eze.3:21 Nevertheless if thou warn the righteous man, that the righteous sin not, and he doth not sin, he shall surely live, because he took warning; and thou hast delivered thy soul. And Isa.21:6 For thus hath the Lord said unto me, Go, set a watchman: let him declare what he seeth.) (Eve represents those watchmen who are watching for the enemy attacks on the tower of Zion.) I dreamed I was a watchman standing on the roof of a tower made of logs crossed at the corners like a log cabin. The tower was coming up out of the Gulf waters off the northwest coast of Florida (where UBM began). (When I had this dream, I didn't connect it with UBM, but when I was told to send it to David, I realized that he had a dream or vision from the Lord that UBM was represented by a log tower like this [in the same area but on land].) (The tower is Zion or Jerusalem, “the tower of the flock”. Mic.4:8 And thou, O tower of the flock, the hill of the daughter of Zion, unto thee shall it come, yea, the former dominion shall come, the kingdom of the daughter of Jerusalem. Micah 4 is indicative of how God will use the Bride/tower in the “latter days”. Also typed as the Bride in Rev.21:9-10 And there came one of the seven angels who had the seven bowls, who were laden with the seven last plagues; and he spake with me, saying, Come hither, I will show thee the bride, the wife of the Lamb. 10 And he carried me away in the Spirit to a mountain great and high, and showed me the holy city Jerusalem, coming down out of heaven from God.) This tower also simultaneously existed in the Mediterranean waters farther east off the shores of Israel. (Israel is a type of the Church. An elect Bride will be taken out of the Israel/Church. Esther was the Bride taken out of Israel as a type of the Church.) I was dressed in an Old Testament Israeli soldier's outfit and standing at the northeast corner of the tower. (The Israeli soldiers' outfit represents the true New Testament church, circumcised in heart, in its Ephesians 6 armor.) It was dark and the wind was gusting. I could feel rain or sea spray on my face, forearms and lower legs. I was keeping the night watch facing northeast. Suddenly, out of the darkness, Alexander the Great came down and stood to my left. (Obama rules from the northeast of the tower and has been likened to Alexander the Great in other dreams and revelations, indicating his ambition and ability to conquer and take what God is giving into his hands for chastening.) He said, “I want to show you something”. He then swung over the north side of the tower and went feet first inside of it through a 24x24 inch window where a golden light shone out. I followed him in the same way. (The golden light in the heart of the Bride/tower is Christ and the Word. Alexander/Obama on the left will conquer the flesh of Christianity in America. However, as the Assyrian Beast leader, Sennacherib, conquered all of Israel but lost 185,000 men and was assassinated when he tried and failed to conquer Jerusalem, the Bride/tower, and so it will be in some form in these coming days [2 Kings 19:30-37]. I saw a vision of America as Nineveh, the head of the Assyrian world Beast. As Assyria was conquering other parts of Israel, some of these fled to the safety of the tower. As this happens, the people will seek God and their capital city, the Bride Zion/tower.) Inside, there was a very bright, white light. When my eyes adjusted, I saw it was a laboratory of some sort with countertops and lab equipment all around. In front of the north window that we had entered, there was a double stainless-steel sink with a high faucet. Next to it on the countertop was a black microscope. Alexander pointed to the microscope and exclaimed, “Look!” I looked into it and was sucked through it into a spiritual realm that was dark, with black, choppy water everywhere. I was aware in my spirit that it wasn't black just because it was dark. When I got my bearings, I looked around and realized I was on one of four Greek vessels sailing east at a quick and steady pace. (Could these represent the four generals that divided up Alexander's kingdom after they poisoned him?) The white sails were missing (not powered by the Spirit; i.e., wind) and the masts were bare and there were no oars. (not powered by man). (These vessels of judgment have no power against the Bride, who is guiltless by God's grace.) I was standing on the deck of the third vessel to the right. (Pestilence and blood? Corexit brought blood disorders and destroys the immune system like the vax does now.) There was one more vessel to my right, making it the fourth. Alexander was standing next to me on the deck. (I asked the Lord what the four vessels represented and he gave me Ezekiel 5:16-17: four judgments of famine, evil beasts, pestilence and blood (third vessel), and the sword.) (Today these have all been judgments through the DS. i.e the Ohio, East Palestine Chemical Dioxin fiasco, and other environmental disasters and blood contamination through MRNA vaccines. Microscopes are used many times to look at harmful microorganisms, representing unseen biohazards in food, water, and air that cannot be otherwise detected.) I looked ahead to the east and saw a large, bright star bigger and brighter than any I've ever seen. I knew instantly that it was Christ. Suddenly, two giant branches of lightning struck out sideways to the north and south of the star through dark gray clouds, and a voice came out of the star that resonated through my whole being on a cellular level. It said, “Proceed no further, for truly these are the very end of days!” Then, only the vessel we were on began to break apart into many broken pieces of splintered wood planks. Immediately, I was caught up away from Alexander, who was still on the deck of the vessel, back through the microscope and into the tower. (In his war against the Church at that time of the Tribulation, he will “proceed no further” against the Bride in these “end of days” by the edict of the King. This was just as it was when Ahasuerus stopped Haman, who, like Sennacherib of Assyria, died for his attempt on Esther, the Bride. Alexander the Great is said by some historians to have been assassinated by poison as he drank a bowl of unmixed wine to Hercules in the palace of Babylon, the great eagle. There seems to be a common thread of death or assassination to those rulers who attack the Bride/tower. I would like to remind any who read this that a Christian could never do this, for the Word says, “If any man shall kill with the sword, with the sword must he be killed,” and “love your enemies,” and “Avenge not yourselves, beloved, but give place unto the wrath [of God]: for it is written, Vengeance belongeth unto me; I will recompense, saith the Lord”.) I looked to my left where the sink was and noticed a reddish dyed tablet to the right of the drain in the right side of the sink, and there was a small stream of water running down onto the tablet, causing a red swirl that ran around the bottom of the sink clockwise before going down the drain. Then I woke up. (Because Jesus, the Word [water] poured out His blood [reddish tablet] unto death, the Bride will have life. If we take the tablet, or cure, we will have life. He said unless we ate His body, the bread and Word, and drank His blood, we would not have life.)   The Eagle and the Serpents Michael Boldea (David's notes in red) (The Angel said, “This has been revealed to you, that you may know, the first bite (on the eagle of the U.S.) has been, the second is yet to come, and the third will be its destruction”.) Psalm 34:7-8, “The angel of the Lord encamps all around those who fear Him, and delivers them. Oh, taste and see that the Lord is good; Blessed is the man who trusts in Him! Oh, fear the Lord, you His saints! There is no want to those who fear Him”. Upon my return to the United States in late August, I had a very vivid and troubling dream. I dreamt I was walking through a sparsely wooded forest, and suddenly my attention was drawn to an eagle (the U.S.) flying high above the tree line. It was a beautiful sight to behold as the eagle rode the thermals, flying in slow, lazy arcs across the blue sky. I began to quicken my pace and keep up with the eagle's flight, all the while keeping an eye on it, noticing that it was slowly descending toward the earth. (Becoming more corrupt) I followed it for a long time, its descent not being sudden but very gradual. Finally I came upon a small clearing, where there were no trees, just some bushes on the edges of the green grass. The eagle landed in the clearing and began to look around, not seeming to notice me. As I began to wonder what the relevance of this was, a man dressed in white, hands clasped in front of him, appeared beside me and said, “Be patient, in due time you will see the purpose”. I was silent as I watched the eagle, and was beginning to grow somewhat impatient, when suddenly (9/11 happened suddenly), it seemed out of nowhere a brown snake (the Muslims are a brown people and the Nazis wore brown shirts) lunged at the eagle, and bit down on its left wing. (In effect, 9/11 devastated the left wing and brought about a short-lived swing to the right as this nation's Christians prayed to their God to save their country.) The snake's strike was very quick and very precise. The eagle reacted without delay, clawing and pecking at the snake, cutting deep wounds in its underbelly, trying to defend itself and ward off the serpent. (USA, the great eagle is still pecking away at these enemies.) Just as it seemed the eagle was winning the battle, and the serpent was retreating, another serpent appeared, red and black diagonal stripes covering its body. (Red and white were the Obama's colors of choice for the election victory speech. Why red and black? Obama's associate for 20 years and mentor was Bill Ayers, who is an unrepentant terrorist, anarchist and Marxist who bombed his own country to bring about “change”, which is Obama's chief motto. Red and black are the colors of anarchists, socialists, left-wingers, communists, etc. Ayers told the New York Times on 9/11/01, “I don't regret setting bombs... I feel we didn't do enough.”) This serpent without hesitation struck out at the eagle's right wing, biting down, and refusing to release. (Many strikes have come from the left, false flags, plagues, assassinations, etc. These Satanists have never slowed down.) After a momentary tug of war, the serpent tore off flesh and feathers, leaving a large wound on the eagle's right wing. (Obama is purely a left-wing socialist who will use anything to tear a huge wound in the religious right of this land. Cheri Watson saw a vision of the Statue of Liberty sliced in two by a huge knife from right to left and the top half, or government, began to slide to the left and fall into the water. A line of leftist governments did much damage that President Trump has worked to reverse.) The second bite was much worse than the first, and for an instant the eagle was stunned. Then a serpent much larger than the previous two, made up of many colors came. (Leftist revolutionaries internally join with many enemy nations. Obama formed ISIS and gave billions to Iran to build underground cities to hide their missile and nuke program. Obama and Hillery sold our weapons to Saudi Arabia.), It slithered toward the eagle, opened its jaws and lunged, taking the whole of the eagle's head in its mouth before biting down. (The enemies take down the government and devastate the U.S., which brings revival.) The serpents retreated and the man (Jesus) who had been standing beside me walked to the eagle, knelt down, picked it up, and held it in his cupped hands. The look of grief on his face was beyond any I have seen in my life. Just seeing the look on the man's face broke your heart. The man continued to look down at the eagle, and with a pained voice said, “The true tragedy, is that at any moment it could have sought the safety of the above, it could have soared toward the heavens and would have found its protection. This has been revealed to you, that you may know, the first bite has been (9/11), the second is yet to come (leftist governments), and the third will be its destruction”. (In dreams we were shown the leftists have engineered many faults to magnify the destruction of coming earthquakes. This will cause the fall of the U.S. into wilderness tribulation.)   A Gigantic Wave Coming Samuel Fire - 2/22/23 (David's notes in red) I saw Tianna, myself, and many other UBM brethren standing together on the beach as a group. (The Lord told Abraham that his seed would be as the sands of the seashore.) Behind us, spread all around, was a large crowd of different people that I didn't know. The place was completely full. From afar, I saw a gigantic wave coming. The wave was about 42 stories high. (The beast will persecute the saints for 42 months. Rev.13:4-5 and they worshipped the dragon, because he gave his authority unto the beast; and they worshipped the beast, saying, Who is like unto the beast? And who is able to war with him? 5 and there was given to him a mouth speaking great things and blasphemies; and there was given to him authority to continue forty and two months.) All the people that I didn't know began freaking out. Some were screaming and crying and others were trying to run away. All those people were so scared and shocked. All the UBM Brethren were so joyful and excited for this wave to come. It was as if we all had been waiting for this wave. (For us, this wave will bring victory for the Kingdom of God in that it will separate the tares from the wheat, which will shine forth in the kingdom as a great revival. Mat.13:40-43 As therefore the tares are gathered up and burned with fire; so shall it be in the end of the world. 41 The Son of man shall send forth his angels, and they shall gather out of his kingdom all things that cause stumbling, and them that do iniquity, 42 (notice the number) and shall cast them into the furnace of fire: there shall be the weeping and the gnashing of teeth. (Notice what comes at the end of verse 42 as in 42 months.) 43 Then shall the righteous shine forth as the sun in the kingdom of their Father. He that hath ears, let him hear. For those who are dead to self, there is no fear of the Beast. The end of this 42 months is the end of the crucifixion of the saints and the coming of the Lord for His saints.) Some of the crowd kept trying to run away to save themselves. A few others fell on their knees in repentance, crying to God because they knew they couldn't save themselves or do anything. (God will bring repentance through judgment to His elect.) As the wave came, the brethren had special equipment for the water. They had experience and had been trained to ride the wave, so they were prepared and knew exactly what to do. When the wave came, we were gently lifted up, and we just surfed the wave, riding the wave, and some were just walking on the water. (1Th.4:13 For this we say unto you by the word of the Lord, that we that are alive, that are left unto the coming of the Lord, shall in no wise precede them that are fallen asleep.) Everyone else was wiped out from the wave, but all the brethren were calm, having fun and a great time. (Psa.37:18-20) Jehovah knoweth the days of the perfect; And their inheritance shall be for ever. 19 They shall not be put to shame in the time of evil; And in the days of famine they shall be satisfied. 20 But the wicked shall perish, And the enemies of Jehovah shall be as the fat of lambs: They shall consume; In smoke shall they consume away.)   Two Visions of a Wave of Destruction Marie Kelton – 2/17/23 (David's notes in red) Vision #1: During our evening meeting, I had a vision of a city with a few tall buildings. I saw white cars that were parked in the city. (Representing the righteous who are in the rest.) I then saw a huge wave come in from the right and flood the city. (Judgment begins in the house of God to cleanse it and then the wicked are judged, as we will see. 1Pe.4:17 For the time is come for judgment to begin at the house of God: and if it begin first at us, what shall be the end of them that obey not the gospel of God?) Vision #2: Later on in the meeting, I had another vision of people in a city. The people were trying to run away from a huge wave of water that was coming towards them. (God is going to give His people a 3-year grace period during these times to work in Revival for His People and Kingdom. All provision will be given by Him.)

KingsWord International Church is called of God to raise a people of the Word and the Spirit, equipped with a revelation of their Supernatural Identity. Connect with us on Instagram: @kingswordikeja Facebook: @kingswordIkeja TikTok: @kingswordIkeja YouTube: @kingswordIkeja Audio Streaming Mixlr: kingswordikeja.mixlr.com Giving Details: KingsWord Ministries International (KMI) GTBank Naira - 0009617383 USD - 0009617510 GBP - 0009617503 Euros - 0009617527 First Timers Form & Number bit.ly/eserviceguest 0810-000-0650

Another month, another Q&A!You guys seem to love these episodes and we do too! We're so grateful for each and every question you leave on our episodes throughout the month. It is SO fun to see what you ask and to have the chance to respond!This month, we covered questions around combining finances, building a life with someone else when you're an ambitious woman, how we earn income in our business, how to navigate the messy middle of your career, and so much more!As always, leave any questions you have for the Q&A episodes in the Spotify comments - we source all questions from here! And if you have anything you'd like to see us talk about in a future episode, let us know!If you enjoyed this episode, please rate and review the podcast. We appreciate your support!

In this episode of Cattle Connect, Auburn researchers Drs. Mykel Taylor and Kelli Russell discuss findings from the 2025 Alabama Farm Poll, which gathered responses from nearly 400 producers across the state. The conversation covers farmer quality of life, financial pressures and household adaptations, succession planning and retirement concerns, and the optimism producers still hold for Alabama agriculture. 

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

Growth sounds great until you realize you can't actually explain your own finances. That's where Parker finds himself—profitable, but nervous about scaling without a handle on his numbers. George Thomas, a financial coach with 15 years of experience, walks through the exact order of operations: get a CPA, forecast your revenue monthly, and routinely interrogate your expenses. It's a practical roadmap for any freelancer wondering if they're ready for the next level. Support our show sponsors -> ⁠⁠⁠https://freelancetofounder.com/sponsors⁠⁠⁠ Submit your own question -> ⁠⁠⁠https://freelancetofounder.com/ask⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Ce mercredi 26 août, Éric Trappier, président de l'UIMM ; Sophie Sidos-Vicat, présidente des CCEF et vice-présidente de la holding du groupe Vicat ; Bernard Spitz, président des Gracques et Bruno Le Maire, ancien ministre de l'Économie et des Finances, étaient les invités dans l'émission Édition Spéciale depuis la REF présentée par Hedwige Chevrillon sur BFM Business.

Un acteur du monde du foot est l'accusé du soir. Il est ensuite défendu avant le verdict du juge.

Our Sponsors: ❤️ Refresh your everyday with luxury you'll actually use. Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Quince.com/TFA⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping on your order and 365-day returns. Now available in Canada, too. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Quince.com/TFA⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and 365-day returns. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quince.com/TFA⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ❤️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Shop Everyday Cotton, and all of my favorite bras and underwear, at SKIMS.com. After you place your order, be sure to let them know we sent you! Select "podcast" in the survey and be sure to select our show in the dropdown menu that follows.⁠⁠⁠⁠⁠⁠⁠⁠⁠ ❤️ Experience your juiciest and deepest sensual experience with a bottle of Foria. FORIA is offering a special deal for our listeners. Get 20% off your first order by visiting ⁠⁠⁠⁠⁠⁠⁠⁠⁠foriawellness.com/tfa⁠⁠⁠⁠⁠⁠⁠⁠⁠ OR use code TFA at checkout. That's F-O-R-I-A WELLNESS DOT COM FORWARD SLASH TFA for 20% off your first order. I recommend trying Awaken or their Pleasure Set with all three of their best sellers. ❤️ Turns out you don't need a real job. Build your own business with a free trial at ⁠⁠⁠⁠shopify.com/tfa⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

Service members have a spending problem, and I'm calling us all out on it. In this episode I break down the seven worst vices that quietly wreck military finances, from underage drinking traditions to buying a Charger you can't afford to marrying the first person who shows you attention right out of boot camp. I've been guilty of more than a few of these myself, and I want you to see the pattern before it costs you your financial future.   Timestamps (00:00) - Intro (00:31) - Vice 1: Alcohol (01:32) - Vice 2: Tattoos (02:03) - Vice 3: Cars (02:48) - Vice 4: Firearms (03:26) - Vice 5: Chasing Tail (03:52) - Vice 6: Partying All Weekend (04:36) - Vice 7: Marrying Too Fast (05:12) - Bonus Vice: Ignoring Your Finances   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Free Financial Quiz to See where you are and point you in the right direction: https://www.frommilitarytomillionaire.com/wealth-roadmap Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Join our investor list: https://www.frommilitarytomillionaire.com/investors Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire   Produced by ⁠UNFLTR

In this episode, multi-business owner and mom of three Dani Lynnes joins the show to discuss her journey growing a seven-figure childcare center in North Dakota, alongside managing an Airbnb, a farm, a tote rental company, and a family sports schedule. Dani opens up about the pivotal moment that forced her to shift from a hands-on director to a systems-oriented COO, leading to the creation of "the dashboard"—a Trello-based organization system that helps busy moms and entrepreneurs streamline their lives, reduce decision fatigue, and reclaim their freedom. She also shares her raw perspective on navigating the comparison traps of social media, leaning into faith after the sudden loss of her father, and learning to prioritize health, sleep, and alignment over superficial markers of success. About Dani Lynnes Dani Lynnes is a business owner, systems strategist, and creator of The Dashboard—a simple operating system that helps established entrepreneurs organize their priorities, reduce overwhelm, and make confident decisions. As the owner of multiple businesses, including a successful childcare center, real estate ventures, and other entrepreneurial endeavors, Dani understands what it takes to balance growth, leadership, and family without sacrificing what matters most. Known for her practical, no-fluff approach, Dani teaches business owners how to create systems that bring clarity, increase productivity, and free up mental space so they can focus on the work that truly moves the needle. Her mission is simple: help entrepreneurs stop managing chaos and start leading with intention. Connect with Dani on LinkedIn Follow Dani on Instagram Check out Dani's freebie 30 Minute Weekly Reset   If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes   CONNECT WITH CHRISTINA! Instagram LinkedIn Christinalecuyer.com Book a Free Clarity Call Book Christina For Your Next Workshop

In this episode, Pastors Joe Wilson and Lee McKinnon provide principles to help pastors steward their finances wisely. They further discuss the advantages and disadvantages of living in a parsonage, then inform listeners about Social Security and retirement. For more information, visit CBTSeminary.org

In Episode 2 of the Muslim Money Matters mini-series, brother Adam Taufique breaks things down to the basics! What's the difference between financial literacy and Islamic financial literacy? How should you start managing your money? Is it all just a numbers game? If you've ever struggled to even start handling your finances, this episode is for you!

Send us Fan Mail“Learning without reflection is a waste. Reflection without learning is dangerous.” – ConfuciusIt's the day after the night before, and I'm sitting quietly on my front porch. Join me as I reflect on our 50th Wedding Anniversary Celebration.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Listeners were also treated to Money Mondays with Jini Thornton, who shared practical advice on helping aging parents organize their finances, legal documents, and long-term care plans before a crisis occurs. See omnystudio.com/listener for privacy information.

Send us Fan MailEveryone experiences stress from time to time.  There are certain events, however, that trigger extreme amounts of it.If you don't deal with them properly, the stress will torpedo your mental, emotional and physical health.In today's installment of Finish Strong, our hosts discuss many of these highly stressful events such as the loss of a loved one, a serious health diagnosis, moving and financial difficulties.   Any one of these “life changing” events can shorten your life by causing lasting and irreversible damage to your body.On this podcast, Dan, Terry and Brian offer practical advice from the Bible for controlling major stress.  They remind you that God will help you overcome it when you focus on His eternal promises through every situation life brings your way!Support the showFearless Faith Websiteffaith.orgTo leave a review - Open Finish Strong on the Apple Podcast app and scroll down until you see "Ratings & Reviews". There will be a link to click so that you can "Write A Review"FacebookYouTubeInstagram

On this episode of CFO at Home, Vince and platform creator Arky Jones discuss Personality Peak, a fun-first, non-clinical personality quiz built around everyday situations. They discuss the connection between personality and money behavior, with Arky sharing how his own ·free thinker· result highlighted some of his own tendencies that, when unchecked, had negatively affected his business. They also discuss consumer programming, dopamine-driven spending, external validation as a driver of money mistakes, and some of the key elements of the practice of Stoicism that can be applied to our money habits, controlling what you can, accepting what you can·t, and acting to change what·s influenceable. Check out the free quiz at personalitypeak.com. Key Topics: 01:25 Meet the Creator 02:23 Why Personality Peak 03:39 How the Quiz Works 08:11 Personality and Money 13:35 Spending Culture and Dopamine 15:49 A Costly Car Lesson 18:35 Mirror Traits and Validation 22:35 Stoicism Explained 26:47 Peak Method and Workbooks 20:24 Applying Results to Finances 32:59 Wrap Up and Next Steps Key Links: https://personalitypeek.com/ https://www.facebook.com/profile.php?id=61575494699915 https://www.instagram.com/personalitypeek/ https://www.youtube.com/@PersonalitypeekVlog Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500

This week we continue our series called "Wisdom From Proverbs". This week's message is called "For Finances" given by Pastor EJ Tena. If you would like to support this ministry visit wwwtheremodeledchurch.co/give. Visit theremodeledchurch.co for more information about us and our ministry.

Sometimes the biggest financial setbacks have nothing to do with money. After migrating to Australia from Malaysia, she watched her family go from a comfortable life to starting over from scratch. Money wasn't something anyone talked about, especially the women in her family, so when she entered her first serious relationships, she had no idea what financial abuse or manipulation could look like. By 28, she'd lost thousands, moved back in with her parents and felt like she was starting all over again. But instead of staying there, she got curious. She started learning about money, bought her first home on her own, built a share portfolio worth $70,000, grew her super to more than $280,000, and carved out a career as an emergency veterinarian earning up to $250,000 a year. Along the way, she also met a partner who supports her goals instead of holding her back. We chat about financial abuse, rebuilding your confidence after unhealthy relationships, migrating to Australia, buying a home solo, planning for a family, and why sometimes the best investment you can make is believing you're capable of creating a different future. If you've ever felt like you've fallen behind because of the wrong relationship, this one's for you.See omnystudio.com/listener for privacy information.

Today we are chatting about a concept from Psalm 24 that will help heal your relationship with your body and money. You'll hear today:What is the difference between money and the love of money?What does a godly mindset towards money look like?Incorrect teachings about money in the churchPrayer ideas to say before you workoutA helpful perspective to make nourishing your body and moving it easierPast episodes mentioned:⁠A HUGE Misconception About What the Bible Teaches About Money (and financial health)⁠Resources mentioned:⁠The Benefits of Giving sermon transcript⁠⁠Andrew Wommack Financial Stewardship part 2 video⁠Connect with Nyla:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠IG⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nyla's second podcast, On the Job with God Christian Business Podcast⁠

Every week, our most frequent prayer requests revolve around money. Finances are a source of stress for many, but they don't have to be! Join us today for a best-of online message from The Journey, where we'll look at God's principles for managing your money and FINDING FINANCIAL PEACE!

join us this week for the long awaited guest episode where ed & i (cara) are joined by our lovely neighbours... who are also called cara and ed! (confusing I KNOWW) we asked you guys to send in your relationship/COUPLE questions, and we had a big chat answering them from both of our couples' perspectives. we got into so many juicy themes, including:maintaining independence & social life: answering questions on how to balance quality time as a couple while still making time for your own friends, and how to make sure you grow together without hindering your individual progress or hobbies.co-living logistics: tackling the day-to-day realities of living together, including tips for just moving in together, keeping your sanity when living with in-laws, and navigating a "bedtime gap" when one person is an early bird and the other is a night owl.managing finances: discussing the tricky topic of splitting expenses, whether to use joint bank accounts, and how to handle it when couples want to approach saving and spending differently.conflict resolution & the 7-year itch: sharing advice on how to actually reconnect after a fight, learning each other's fighting styles, and having super honest conversations about navigating doubts or the "seven-year itch" in a long-term relationship.keeping the spark alive: answering how to maintain attraction and romance post-honeymoon phase, from understanding each other's love languages (and actually using them!) to planning intentional, thoughtful dates.whether you're single, moving in with your partner, or years into a relationship, grab a matcha and join us as we share our honest thoughts & advice.to stay up to date on our lives, contribute to future episodes and share any of your thoughts - pls do Follow us on ⁠⁠⁠⁠⁠instagram⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠tiktok⁠⁠⁠⁠⁠ or subscribe to us on youtube ⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠! ☕ Thinking of joining our BOOK CLUB? We'd love to have you! Check it out  ⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠! for advertising opportunities, or you don't have any social media and want to chat, please email us at: ⁠⁠⁠⁠⁠thematchadiariespod@gmail.com⁠⁠⁠

If you've ever sat at the kitchen table staring at a pile of bills, wondering how hard you're working and still feeling behind, Krista McLellan knows exactly how that feels. Widowed and raising children on her own, she rebuilt her life by learning how money really works—and now she helps others do the same. Krista is the founder of E&M Bookkeeping Solutions, an author, speaker, and Elite QuickBooks ProAdvisor who helps entrepreneurs stop fearing their finances and start understanding them. Known for her motto, "Ignorance isn't bliss, it's expensive," Krista teaches people how to take control of their money, build confidence, and create financial freedom. Visit embookkeeping.com/ where you can also get her free money guide. Follow @embookkeepingsolutions & E&M Bookkeeping Solutions Romani crushes this episode are Krista's friend Anne's mother Ulla Gronfors and Anne's sister Paivi Majaniemi, of Helsinksi, Findland. Visit the Finnish Romani AssociationThank you for listening to Romanistan podcast. Please subscribe, rate, + review, + share with your friends! Follow us on Instagram and Facebook @romanistanpodcast. Subscribe to our Patreon to join the conversation and our private community for just $5 a month. Or donate any amount to Ko-fi.com/romanistan. We depend on your support to keep going. You can book readings and events and take workshops with Jez at jezminavonthiele.com, and book readings and holistic healing sessions with Paulina at romaniholistic.com. Follow Jez on Instagram @jezmina.vonthiele & Paulina @romaniholistic. Get our book Secrets of Romani Fortune Telling wherever books are sold. If you love it, write us a review. Visit us at romanistanpodcast.com and email us at romanistanpodcast@gmail.com for inquiries. Romanistan is hosted by Jezmina Von Thiele and Paulina StevensConceived of by Paulina StevensEdited by Dia LunaMusic by Viktor PachasArtwork by Elijah VardoSupport the show

Today's episode, “How Good Are You at Tuning Out the Financial Noise — Really?” is all about separating the real financial signals from the static. Jacquette explains what truly matters, what's just noise, and how to tell the difference. With an early mention of the SpaceX IPO as a prime example of noise overload, she later shows how clutter, lack of a decision‑making framework, and sheer information volume can derail your clarity. Tune in for practical tips to identify your financial noise and cut through it.Want More? Check Out:www.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/JacquetteSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Break Room (THURSDAY 8/20/26) 9am Hour 1) How often are you having this discussion (if ever) with your significant other? 2) The Bills could be retiring another number in the VERY near future!

Chris Reece, founder and CEO of MJ REIT, shares insights into his innovative real estate fund supporting the cannabis industry. Discover how his experience, strategic approach, and niche focus create a resilient investment opportunity in a rapidly growing market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

What happens when a high achiever learns that success isn't just about pushing harder—it's about thinking differently? In this episode, Christina sits down with renowned executive coach John Ryan to unpack the mindset, tools, and experiences that have shaped his coaching career. They dive into the power of NLP, the hidden challenges that often come with high achievement, and why genuine human connection may be more important than ever in an increasingly tech-driven world. This is a conversation about success, self-awareness, and what it really takes to perform at your highest level, without losing yourself in the process. About John Ryan John Ryan, MBA, MSW, PHD is a leading expert in leadership, communication, and change. He is a Certified Master Trainer of Neuro-Linguistic Programming and the Founder of NLP Unlimited™. John has 30 years of experience in the training and development industry, logging over 2,000 days of training and countless hours of coaching, empowering his students and clients to expand their impact, influence, and income.  Connect with John on LinkedIn Follow John's Youtube channel   If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes   CONNECT WITH CHRISTINA! Instagram LinkedIn Christinalecuyer.com Book a Free Clarity Call Book Christina For Your Next Workshop

Are you spending your time, energy, and attention on financial optimizations that barely move the needle? In this episode, Dr. Jim Dahle and Tyler Scott, President of Planning at White Coat Planning, work through a series of real listener questions, from Trump account contribution rules and gift tax exclusions to HSA family contribution limits and 457 plan quirks, and use each one to illustrate a bigger point. Some financial moves genuinely change your outcome. Others feel productive but barely register. They walk through examples of both. A listener trying to squeeze out a few extra months of tax-free growth by pre-funding a solo 401(k) contribution gets a gentle but clear answer: the impact is measured in hours, not years. Meanwhile, using a mega backdoor Roth option in that same account, or choosing tax-efficient accounts for early retirement withdrawals, can genuinely shift a retirement date by months or years. Tyler also introduces his framework of the four currencies of life, money, time, energy, and attention, and how understanding which one you're actually spending helps clarify which optimizations are worth pursuing. The takeaway is not that details do not matter. It is that knowing which details matter is the real skill. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter