Podcasts about Focus

From the archive: This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Michael Brandt is CEO and Co-Founder of HVMN, creators of Ketone-IQ, bringing ketones to the mainstream, backed by a16z and $6M from the U.S. Military. Top 3 Value Bombs 1. Be un-busy. Most successful people have downtime. 2. Focus on a niche that buys from you consistently and grow from there. 3. Keep your temple clean. High Performance Energy in a Bottle - Ketone-IQ Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. 50 - Join JLD on his free '50 days to something' video series on YouTube and create something special in 50 days! Quo - The #1-rated business phone system on G2 with over 3,000 reviews! Try QUO for free PLUS get 20% off your first 6 months when you go to Quo.com/fire! Quo — no missed calls, no missed customers.  

How we begin our day often determines the direction of our thoughts, our emotions, and even our relationships. And for many of us, the first thing we reach for isn’t prayer or Scripture—it’s our phone. Pastor Kevin A. Thompson helps you break unhealthy “doomscrolling” habits as you start your day—by encouraging you to rely on Scripture as your source of hope and strength for daily life. He’ll walk us through what real, biblical hope looks like…how it anchors us when circumstances feel overwhelming…how it quietly shapes our values, beliefs, and everyday decisions…and how that hope naturally overflows to bless our families, our churches, and our communities. Receive a copy of Hope Scrolling and an audio download of "Starting Your Day in a Better Way" for your donation of any amount! Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

Welcome to the Grace in Focus podcast. Today, Bob Wilkin and Ken Yates will answer a question about a statement in Luke 9:60. What did Jesus mean by the statement, […] The post What Does “Let the Dead Bury Their Own Dead” Mean? appeared first on Grace Evangelical Society.

Book your call: https://www.jordanapodaca.com/ Every hard conversation ending the same way - one of you exploding, one shutting down, nothing getting resolved? That's not a communication problem. That's a nervous system problem. In this podcast I break down exactly why the explosion-shutdown cycle happens, what's going on underneath it, and the specific things you can do to interrupt the pattern before it does more damage to your relationship. ------------------- Finally feel peace after betrayal, conflict, or a relationship crisis If you've been carrying anger, numbness, intrusive thoughts, shame, embarrassment, or a loss of trust after a painful relationship experience - or you feel your relationship is heading toward a breaking point - you don't have to keep doing this alone. On our call, we'll uncover what's really keeping you stuck and map out exactly how to help you feel calm, safe, and in control again, whether your goal is to heal personally, repair your relationship, or make clear decisions from a place of stability. Everyone's process is unique, but many of my private clients notice meaningful change within just a few sessions. Book Your Free Strategy Call Now: https://www.jordanapodaca.com/ --------------------------------------------------------------------- Topics covered: Why one partner explodes and the other shuts down, how emotional triggering shuts down rational thinking, when to pause before a conversation and how to do it, how to lead with vulnerability instead of accusation, what to do when you're mid-cycle and it's already escalating, why focusing on one issue at a time changes everything, and how to start thinking like teammates instead of opponents. 00:00 The explosion-shutdown cycle 01:00 What's actually happening in your body 02:00 Recognizing when you're triggered 03:15 How to start the conversation differently 04:26 Hard vs. soft emotions 05:00 Avoiding the shutdown mid-conversation 06:11 Focus on one issue at a time 07:30 Becoming teammates, not opponents ---------------------------------------------------------------------- JJA Consulting LLC • Fully insured through Alternative Balance LLC • Based in Michigan • Sessions via Zoom • Confidential and results-based. Disclaimer Jordan is not a licensed therapist, counselor, or medical professional. His services are for educational and coaching purposes only and are not intended to diagnose, treat, cure, or prevent any mental or medical condition. Individual results vary. If you are in crisis or need clinical support, please reach out to a licensed mental-health provider or emergency services. Summary of Terms and Conditions Educational Purpose Only: Coaching and hypnosis sessions are for personal development and educational purposes only. Not Therapy or Medical Treatment: These services are not a substitute for counseling, psychotherapy, psychiatric, or medical care. Results Vary: Individual results vary depending on many factors. No specific outcome is guaranteed. Your Responsibility: You are responsible for your participation, decisions, and well-being before, during, and after sessions. You agree to remain coachable and follow the Practitioner's lead regarding session spacing. No Refunds: All sales are final except as required by law. We commit to working with you until the specific result is achieved, provided you remain committed to the process. Confidentiality: All private sessions are confidential except where disclosure is required by law. Intellectual Property: All session materials and methods are owned by JJA Consulting LLC and may not be shared or reproduced. Code of Conduct: We reserve the right to refuse or end services for disruptive, abusive, or unsafe behavior. Results-Based Model: You are purchasing a result, not a time-based subscription. We do not offer weekly check-in calls or "venting" sessions. We meet only when necessary to achieve the specific result. By scheduling or purchasing services, you agree to the full Terms and Conditions. You further agree that reasonable updates to these Terms to clarify the spirit of the agreement may apply to our engagement. FULL TERMS: https://jordanapodaca.com/#terms Subscribe to The Infidelity Recovery Podcast on Soundwise

Central Claim: Border Security as National Security Illegal immigration is not just a humanitarian or economic issue, but a national security threat, linking border crossings to terrorism, sleeper cells, gang activity, and violent crime. Praise of Trump-Era Immigration Enforcement After Donald Trump returned to office, immigration enforcement intensified immediately. 32,000+ arrests in the first 50 days, asserting that Trump fulfilled his campaign promise to secure the border. Emphasis on Criminality Among Arrested Migrants Nearly 70% of those arrested allegedly had prior criminal convictions or pending charges. violent offenders, gang members, fugitives, and individuals allegedly on terrorist watchlists. Focus on Crimes Against Children A major emotional and moral emphasis is placed on arrests of illegal immigrants accused or convicted of child sex crimes, particularly in Houston, Texas. Claims hundreds of such arrests in that single region, portraying enforcement as directly protecting children and families. Criticism of Media Coverage Mainstream media is intentionally ignoring or downplaying these enforcement actions and statistics. Omission is meant to preserve a pro-immigration or anti-Trump narrative. Blame Attributed to Democrats and the Biden Administration Democratic leadership knowingly allowed dangerous individuals into the U.S. through “open border” policies. This was done deliberately to change the country’s demographic, cultural, and political makeup. Use of Polling Data for Political Validation References CNN polling to argue that Democrats are losing public trust on immigration and border security, while Republicans now hold an advantage on the issue. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

We spend a lot of time talking—sharing our thoughts, our opinions, our stories—but how often do we really stop and listen? Becky Harling encourages you to develop the one skill that will strengthen every relationship you have—the art of listening. She’ll walk through some practical steps to develop healthy habits that will help you become more intentional, proactive listeners. Receive a copy of How to Listen So People Will Talk and an audio download of "Learning the Lost Art of Listening" for your donation of any amount! Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

One of the most powerful things a wife can do is encourage her husband. Ann Wilson and her husband Dave talk to Jim Daly about a time where she chose to speak words of life into Dave's heart. Also, Greg opens up about how meaningful it is when Erin encourages him. Find us online at focusonthefamily.com/marriagepodcast or call 1-800-A-FAMILY. Receive the book How to Speak Life to Your Husband for your donation of any amount! Focus on Marriage Assessment Revive Your Marriage By Becoming Your Husband’s Biggest Cheerleader Contact our Counseling Team How to Stop Complaining and Be an Encouraging Spouse Support This Show! If you enjoyed listening to the Focus on Marriage Podcast, please give us your feedback.

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Parenting a child who has special needs is a unique journey filled with challenges and joys. Sara Clime joins Jim Daly to discuss some of the things she's learned while raising her son. Plus, John and Danny give you some ideas for how you can help a parent who has a child with special needs. Find us online at focusonthefamily.com/parentingpodcast. Or call 1-800-A-FAMILY. Receive the book The Other Side of Special for your donation of any amount! Take the 7 Traits of Effective Parenting Assessment The Beauty of Raising a Special Needs Child Contact our Counseling Team Parenting and Special Needs: Why Me? Support This Show! If you enjoyed listening to the Focus on Parenting Podcast, please give us your feedback.

In this episode of Storage Wins, Alex Pardo and Dan Wentzel have a candid conversation about what happens when life gets in the way of progress. After building momentum with several promising storage opportunities, Dan hits a week where things slow down and the rhythm breaks.   Instead of ignoring it, Alex uses the moment as a coaching opportunity to talk about resilience, mindset, and how successful investors respond when plans get disrupted. They unpack why resistance is inevitable when you commit to a goal, how to remove emotional pressure from the process, and why consistency always matters more than perfection.   The episode also dives into a subtle but powerful mindset shift when speaking with storage owners: approaching conversations with curiosity and service instead of pressure and expectation.   This conversation serves as a real-time case study in what to do when progress stalls — and how to reset quickly so momentum keeps building.   ⸻   You'll Learn How To: Respond productively when life disrupts your plans Remove guilt and negative emotions when progress slows Maintain forward momentum even after losing rhythm Approach seller conversations with curiosity instead of pressure Focus on progress rather than perfection in the acquisition process Use mindset shifts to improve confidence and communication   ⸻   What You'll Learn in This Episode: [0:00] Why approaching seller calls with curiosity changes everything [1:11] Expecting resistance whenever you commit to a big goal [1:43] How life disruptions can derail momentum [2:09] Turning setbacks into learning opportunities [3:30] Why guilt and frustration don't help you move forward [5:12] Resetting your rhythm after losing momentum [7:48] The mindset shift from "what can I get?" to "how can I help?" [10:15] Removing pressure from seller conversations [14:27] Staying committed even when progress slows [18:40] Why consistency beats perfection in the long run   ⸻ Who This Episode Is For: Investors who feel discouraged when momentum slows Listeners trying to balance life responsibilities with investing goals Anyone struggling with guilt or frustration when plans get disrupted Operators who want to maintain consistency without burnout Investors looking to improve their mindset around seller conversations   ⸻   Why You Should Listen:   Every investor eventually hits a week where things fall apart.   The difference between those who succeed and those who quit is how they respond to those moments. This episode shows you how to reset quickly, learn from setbacks, and keep moving forward without letting frustration derail your progress.   If you're on the path to your first deal and feel like life keeps interrupting your momentum, this conversation will remind you that progress is rarely linear — but persistence always wins.   ⸻   Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/   ⸻   Have conversations with at least three storage owners, brokers, private lenders, or equity partners inside the Storage Wins Facebook Group. Join for free here:   https://www.facebook.com/groups/322064908446514/

Morgan Keim, founder of Ocean Ridge Capital, raised over $400 million in venture capital before he turned 35. One of his companies alone pulled in over $300 million pre-revenue—convincing pension funds and VCs to invest hundreds of millions in a company that hadn't made a single dollar yet. On a recent Sales Gravy podcast, he broke down exactly how he did it. The surprising truth? It had almost nothing to do with the pitch itself. “Your single biggest tools in your toolkit are going to be your eyes and ears,” Morgan said. “It’s about listening and seeing where your prospect is and what they really want. That might be different than the words they use.” Consider this: only 7% of communication comes from actual words. Another 38% comes from tone, and the remaining 55% shows up in body language and nonverbal cues. If you're in high-ticket sales, you're probably spending most of your time perfecting that 7%, while missing the other 93% of what your prospect is really telling you. What You’re Missing in Every Conversation Most salespeople obsess over crafting the perfect email. They rehearse their pitch until it's flawless. They tweak their value proposition endlessly. All of that lives in the 7% of communication that comes from words. Meanwhile, prospects are giving away everything you need to know through their tone, body language, and the questions they ask—or avoid. Morgan learned this quickly when raising capital for a food tech startup. Different investors wanted completely different things, even when they all said they cared about “returns.” One investor cared deeply about sustainability and environmental impact. Another focused purely on velocity of capital and exit timelines. A third had unusual mandates that weren't apparent until Morgan listened carefully in person. “It all comes down to having a real understanding of the emotion that person’s feeling, the desired state of where they want to be,” Morgan explained. “Living in that reality of who they are and what they want.” High-ticket sales often fall apart here. Salespeople treat follow-up like a broadcasting exercise: same message, same pitch, same value proposition to everyone because it's “efficient.” Efficiency without effectiveness is wasted motion. The Language Barrier Costing You Deals There's a language of entrepreneurial speak, a language of corporate speak, and a completely different language people use at home. You might communicate seamlessly with colleagues, but explaining your day to your spouse can feel like speaking a foreign language. The same disconnect happens between you and your prospects. Most sellers speak “sales language,” while their buyers speak business or personal language. Top salespeople code-switch naturally. They pick up on how prospects talk, the patterns they use, and the words that matter to them—and mirror that style back. In high-ticket sales, you're asking someone to make a significant investment. They need to feel understood before they'll trust you with that decision. Take an HR leader versus a marketing leader in the same organization: HR cares about employee retention, engagement, and compliance. Marketing focuses on campaign ROI, conversions, and brand lift. The same pitch to both? One will check out halfway through the first sentence. Understanding Their Desired State Make the prospect the hero of the story. Put your ego aside. Stop thinking about your quota. Focus entirely on their desired outcome. Morgan never leads with what Ocean Ridge Capital offers. He starts by understanding their situation: Are they trying to create passive cash flow? Looking for tax efficiency after selling a business? Building generational wealth for grandchildren? Each scenario requires completely different emotional framing. A person focused on legacy thinks about family and long-term impact, while a recent entrepreneur selling for eight figures cares about protecting capital and deploying it efficiently. Same product, completely different language. Send the same follow-up email to both, and you're solving the wrong problem for one of them. How This Changes Your Follow-Up Strategy Once you realize that 93% of your communication lives outside words, your follow-up strategy has to change. Morgan uses multiple channels: Video messages let him read facial expressions and body language. Phone calls provide tone, pacing, and emphasis that email strips away. Handwritten notes show he's willing to slow down in a world that automates everything. Educational content positions him as a resource, not just a seller. He runs A/B/C testing across messaging angles because he can't assume he knows what a prospect wants. When someone doesn't respond to initial outreach, he shifts to “passive value creation”—delivering insight, education, and context—while still prospecting actively through multiple channels. Every touchpoint adds value. Every channel gives a new way to read the prospect, learn their language, and adjust. What to Do on Your Very Next Call Here's your homework. Not next week. Not when you have time. On your very next sales call: Spend five minutes reading the room before you pitch anything. Notice: When their energy shifts. Words they repeat. Moments they lean in or check out. Mirror it back. If they say, “We're building something sustainable,” don't respond with, “Our solution drives ROI.” Stay in their language. Stay in their world. Try a different channel. Been emailing for weeks with no response? Pick up the phone. Send a 60-second video. Mail a personalized note. The mechanics haven't changed. You still need multiple touches. But if you ignore tone, body language, and emotional state, you're having a completely different conversation than your prospect is. Why This Approach Wins High-ticket sales are about human connection more than polished words. Prospects respond to feeling understood, recognized, and respected. The words you say matter far less than how you convey empathy, awareness, and relevance. Morgan's results speak for themselves: reading the unspoken signals and adapting builds trust, shortens sales cycles, and secures investments that others can't reach. High-ticket sales aren't only about what you say—they're about what you see. Pay attention, and everything changes. – Take your follow-up strategy to the next level. Download the FREE ACED Buyer Style Playbook and learn how to read what your prospects really want.

Are we slowly outsourcing the very skills that once made us human?In this episode, I reflect on a message my mother sent me that sparked a deeper question about attention, patience, memory, and the everyday abilities that quietly shape our lives. As technology grows more convenient, it's worth pausing to ask what might be fading in the background, both for us and for the next generation.This conversation explores awareness, parenting, human skills, and how small habits shape capable, resilient humans.What if the real question isn't what kids are learning today… but what they might be losing without realizing it?—and some of these skills apply to adults too—Related Episodes to Explore:• 174: How to Reset Family Energy When Tension Hits - https://youtu.be/RR0H81qzL8g• 165: Leadership Lessons from a 12-Year-Old: How to Turn Disappointment into Inspired Action - https://youtu.be/Qjtbrqhx-PU

Welcome to the Grace in Focus podcast. Today, Bob Wilkin and Ken Yates will answer a question about how we present the gospel. What things should be emphasized when we […] The post Should We Follow Ray Comfort's Example and Begin Evangelism by Trying to Convince People They are Sinners? appeared first on Grace Evangelical Society.

Your Next Objective podcast: Round 2, offers practical guidance and career readiness for military members, law enforcement, firefighters, organized based on how far out your transition is. In this episode, Did what you did actually make a difference?When you look back on your career so far, what are you actually measuring? For most of us in the military or first responder communities, the answer is usually how busy we were, the weight of the responsibility we carried, or the sheer number of hours we spent away from home. We're used to a world where effort and sacrifice are visible, and being the person who shows up to get the job done is everything. But there's a hard truth we often ignore: being busy doesn't always mean you're making an impact. You can put in decades of service and still struggle to explain what actually changed because you were there.In this episode, we're digging into why your ego has to take a back seat to the objective and the team. It's a shift from asking "What did I do?" to "Did what I do matter?" Shifting your focus from your title to your actual impact does more than just make you better at your current job. It helps you separate your identity from your role, which is the most important mental hurdle you'll face when it's finally time to take off the uniform. We explore how to stop using busyness as a shield and start looking for the quiet footprint you're leaving on your systems and your people.Whether your transition is months away or a decade down the road, the habits you build today define the value you'll bring to the civilian world tomorrow. We break down specific strategies for every stage of the journey:Close Range Group (Transitioning within a year): Your Value is Your Results.You need to market your experience into measurable outcomes like problems solved, efficiencies gained, or people developed. Framing your work this way makes it much easier for a civilian hiring manager to see the specific value you'll bring to their organization.Medium Range Group (Transitioning in 3 to 5 years): Improve the Systems Around You.Focus on strengthening the processes you handle every day, such as training routines, communication flows, or operational procedures. Small improvements in these areas compound over time and ensure the organization performs better even after you've moved on to your next role.Long Range Group (Transitioning in a decade or more): Serve the Mission First.This mindset is about making decisions based on what benefits the objective even when no one is watching or when you won't get any credit. Over time, putting the mission ahead of your ego builds the kind of credibility and leadership presence that defines real impact in any career.The uniform and the title belong to the role, but the impact you create belongs to you. It's time to start measuring what matters.CONNECT WITH THE PODCAST:IG: https://www.instagram.com/paulpantani/IG: https://www.instagram.com/yournextobjectivepodcast/SIGN-UP FOR THE NEWSLETTER:https://transitiondrillpodcast.com/home#aboutQUESTIONS OR COMMENTS:paul@transitiondrillpodcast.comSPONSORS:GRND CollectiveGet 15% off your purchaseLink: https://thegrndcollective.com/Promo Code: TRANSITION15Frontline OpticsGet 10% off your purchaseLink: https://frontlineoptics.comPromocode: Transition10

Find a quiet space where you won't be disturbed.Sit comfortably, close your eyes if possible.Inhale slowly through your nose for a count of four.Hold the breath briefly, then exhale slowly through your mouth for a count of six.Repeat for 3-5 minutes, focusing on the sensation of breath and bodily sensations.Choose a familiar space—your home, a park, or a fictional setting.Visualize distinct locations within it.Associate each piece of information with a memorable image or story placed at these points.Revisit these mental locations regularly to reinforce memory.Focus on your voice—try voicing vowels and sounds softly.Experiment with tuning into vibrations within your body, such as feeling the “buzz” behind your eyes or in your gut.Use auditory tools like tuning forks, music with specific frequencies, or tonal vocalizations.Visualize these vibrations spreading through your body, creating harmony and reducing mental fog.Start with deep calming breaths to center yourself.Engage in a quick memory exercise, such as recalling recent events or affirmations, using visual or story-based techniques.Introduce gentle vocal vibrations or tonal exercises, focusing on resonant sounds that match your body's frequency zones.Finish with a few minutes of mindful silence, appreciating the internal harmony you've fostered.Deep mindful breathing calms the nervous system.Memory techniques can turn learning into an enjoyable, effortless process.Vibrational resonance connects you to the universe's energetic fabric.Deep Breathing TechniquesVibrational HealingMemory EnhancementMindfulness PracticesSound TherapyHolistic HealthMental ClarityResonance and FrequencyMeditation BenefitsEmotional Well-being#DeepBreathing,#VibrationalHealing,#MemoryTechniques,#Resonance,#Meditation,#Wellbeing,#DeepBreathing,#VibrationalHealing,#MemoryTechniques#Mindfulness#SoundTherapy,#HolisticHealth,#MentalClarity,#Resonance,#Meditation,#Wellbeing,# Spiritual Insight.,You'll learn how the simple act of deep calming breaths can recalibrate your nervous system, strengthen memory, and even impact your health in profound ways.We break down fascinating topics including the science of sound frequencies, the power of internal resonance, and practical techniques to activate your body's natural radio. Grandpa Bill shares the innovative concept of the "Echo in the Atrium," illustrating how vibrational energy can ripple through your entire being, boosting emotional freedom, clarity, and stress

The PHP Podcast streams live, typically every Thursday at 3 PM PT. Come join us and subscribe to our YouTube channel. Another fun episode of the PHP Podcast! Here’s what we covered: Internet Woes & Technical Difficulties Eric continued his saga with connectivity issues, dropping multiple times on Zoom calls and even during the podcast. After trying everything from coax cable converters to different network setups, he’s considering just running a new network cable to his office. The Wi-Fi experiment during the show… didn’t go great. First Waymo Experience John shared his first ride in a Waymo self-driving car! While the wife wasn’t thrilled about having to walk to a specific pickup spot, the experience was pretty impressive. One weird moment: the car got confused by a bus at a 45-degree angle and started creeping into the left lane. Overall verdict: comfortable, cheaper than Uber, and no awkward small talk required. Eric’s Coding Adventure In a rare “Eric writes code” moment, he debugged a POC project by littering the codebase with 15+ write-to-log statements (because who needs X debug?). The culprit? A renamed variable he forgot to update elsewhere. Classic. John was horrified to learn there’s no static analysis running. The demo went well… until someone asked to see the customer interface. MySQL 8.0 → 8.4 Upgrade Planning John’s been preparing for the MySQL 8.0 to 8.4 upgrade (8.0 is end of life). The previous team left amazing documentation, but there’s one major issue: the DBA rejected converting from utf8mb3 to utf8mb4 character set because the tables are so massive it would lock them for way too long. That’s a problem for future John. AWS S3 Cleanup – 75 Million Files! John tackled a years-old problem: phone call recordings stored as both WAV and MP3 files in S3. The cleanup script identified 75 million WAV files to delete, which took a day and a half to process. Potential savings: $100/day. Joe asked about intelligent tiering, which… yeah, probably should look into that. PHP Tek 2026 – 68 Days Away! The conference schedule is live! Four tracks (three PHP Tek + one JS Tek), hotel rooms at the discounted rate are going fast, and Eric admitted he skipped Scale this year because he was just too exhausted. Focus is on PHP Tek now! Laravel 13 Dropping March 17 Laravel 13 is dropping on Tuesday with a focus on moving from protected properties to attributes. According to the article, there are no breaking changes (we’ll see about that). Overall, it’s a light upgrade with some new features but nothing earth-shattering. March Friday the 13th Anniversary Eric and Beck’s dating anniversary! They started dating on March Friday the 13th, 1987, when Eric picked her up at 5 PM for a midnight showing of a terrible Burt Reynolds movie called “Heat” (which apparently doesn’t exist according to IMDB). The whole show tried to help figure out what movie it actually was. Spoiler, it was called HEAT PHPUnit 13 Released Sebastian Bergmann appeared on PHP Alive & Kicking to talk about PHPUnit 13. The big change: array of assertions. The show also features a hard deprecation of some older methods. Check out the release for all the details. OpenClaw/Archie AI Success Eric’s thrilled with how the team is using the OpenClaw AI agent for daily standups. Team members are not only doing their morning standups but updating it throughout the day and even asking it to check for security alerts. The engagement has been way beyond expectations. Now Eric’s fighting the temptation to buy a Mac Mini to run it properly and get it back on Ollama, saving on API costs. Links from the show: PHP Tek 2026 – The Premier PHP Conference WiFi Mapping User Guide – Turn your router into a see-through-walls device WiFi Mapping Demo on X Laravel 13 drops March 17 — here’s every new feature with code examples X: https://x.com/phparch Mastodon: https://phparch.social/@phparch Bluesky: https://bsky.app/profile/phparch.com Discord: https://discord.phparch.com Subscribe to our magazine: https://www.phparch.com/subscribe/ Host: Eric Van Johnson X: @shocm Mastodon: @eric@phparch.social Bluesky: @ericvanjohnson.bsky.social PHPArch.me: @eric John Congdon X: @johncongdon Mastodon: @john@phparch.social Bluesky: @johncongdon.bsky.social PHPArch.me: @john Streams: Youtube Channel Twitch Partner This podcast is made a little better thanks to our partners Displace Infrastructure Management, Simplified Automate Kubernetes deployments across any cloud provider or bare metal with a single command. Deploy, manage, and scale your infrastructure with ease. https://displace.tech/ PHPScore Put Your Technical Debt on Autopay with PHPScore CodeRabbit Cut code review time & bugs in half instantly with CodeRabbit. Music Provided by Epidemic Sound https://www.epidemicsound.com/ The post The PHP Podcast 2026.03.12 appeared first on PHP Architect.

Are today's kids struggling with anxiety, ADHD, brain fog, mood swings, and energy crashes more than ever before? What if the root cause isn't just behavioral—but metabolic?In this powerful conversation, Ali Miller joins Matt Beaudreau to explore the deep connection between nutrition, brain function, and leadership development in young people.Ali Miller, RD is a functional medicine dietitian, author, and educator known for her evidence-based approach to using nutrition as a tool for whole-body health. She specializes in the intersection of food, metabolism, and brain function—helping individuals and families understand how diet influences mood, cognition, immune health, and chronic disease risk. Through her work, Ali teaches practical strategies for reducing ultra-processed foods, stabilizing blood sugar, supporting gut health, and optimizing nutrition to address issues such as anxiety, ADHD, metabolic dysfunction, and inflammation.Ali is the author of several books—including The Anti‑Anxiety Diet, The Anti‑Anxiety Diet Cookbook, and Naturally Nourished Kids—where she provides science-backed guidance and practical recipes to help families build healthier food habits. She also hosts the Naturally Nourished Podcast, where she explores topics ranging from functional nutrition and detoxification to children's health and metabolic wellness.In this episode, Ali breaks down complex science into simple concepts every parent can understand—like oxidative stress, blood sugar crashes, gut-brain connection, and how ultra-processed foods can influence behavior, focus, and emotional regulation in children.You'll also learn practical strategies for handling picky eaters, improving protein intake, balancing blood sugar, and creating a healthy family food culture that supports long-term wellness and leadership capacity.If you're a parent, educator, or coach working with young people, this episode will challenge how you think about nutrition—and show how food can become one of the most powerful tools for mental clarity, emotional regulation, and performance.Quotes:“Food is medicine—but it's also a double-edged sword.”“Kids don't just need calories—they need nutrients that fuel their brain.”“When families run multiple food systems in one kitchen, the weakest system usually wins.”Takeaways:Balance blood sugar by pairing carbohydrates with protein or healthy fats.Increase protein intake to support brain development and emotional regulation.Involve kids in food decisions and preparation to reduce resistance and increase buy-in.Focus on progress, not perfection when transitioning away from processed foods.Conclusion:Nutrition isn't just about physical health—it's about mental clarity, emotional stability, and leadership capacity. As Ali Miller explains, the food we eat directly influences our brain function, behavior, and long-term wellbeing.By focusing on whole foods, balanced meals, and intentional family food culture, parents can give their children a powerful advantage in life—helping them grow into healthy, capable leaders.Learn More About Ali Miller:Website: https://www.alimillerrd.comPodcast: https://www.alimillerrd.com/podcastProfessional Education (Naturally Nourished Academy): https://www.alimillerrd.com/academyBooks:The Anti-Anxiety Diethttps://www.alimillerrd.com/the-anti-anxiety-dietThe Anti-Anxiety Diet Cookbook https://www.alimillerrd.com/the-anti-anxiety-diet-cookbookNaturally Nourished Kids https://www.alimillerrd.com/naturally-nourished-kidsAli's mission is to empower people with the knowledge to use food as medicine, helping them create sustainable lifestyle changes that support long-term health for themselves and their families.

Practical Buddhist strategies to focus the mind.   Shaila Catherine is a dharma teacher and author of the book titled "Beyond Distraction: Five Practical Ways to Focus the Mind." She authored two additional books on the concentration practices called jhana and approaches to insight meditation. She has practiced for more than 45 years, including nine years, cumulatively, of silent retreat. Shaila has been leading meditation retreats for 30 years, and has developed an array of in-depth online courses offered through BodhiCourses.org.   In this episode we talk about: The Buddha's struggles with distraction Shaila's attempts to make the teachings of the Buddha accessible to contemporary minds The importance of getting to know your own thought patterns the counterintuitive strategy of "avoid it, ignore it, forget it," Replacing seduction with mindfulness Developing a flexibility of mind And why we're vulnerable to our own tendencies when we're not mindful Related Episodes: How to Focus | Shaila Catherine   Get the 10% with Dan Harris app here Sign up for Dan's free newsletter here Follow Dan on social: Instagram, TikTok Subscribe to our YouTube Channel   Additional Resources:  Shaila's upcoming course: Beyond Distraction Shaila's books Insight Meditation South Bay This episode is sponsored by: LinkedIn Ads — Reach the right professionals with precision targeting. Spend $250 and get a $250 credit at http://www.linkedin.com/happier Quō — The smart business phone system with AI call logging and summaries. Try free + 20% off your first six months at https://www.quo.com/happier Rosetta Stone — Language learning that's immersive and intuitive. Start learning at https://www.rosettastone.com/happier Northwest Registered Agent — LLC formation, registered agent service, and free business resources at https://www.northwestregisteredagent.com/Happier-free To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/10HappierwithDanHarris

Melanie Shankle shares how childhood trauma and a “mean girl” mom affected her life, marriage, and motherhood, bringing a message of hope and healing in Jesus Christ. Receive the book Here Be Dragons plus a free audio download of "Healing as a Parent from Childhood Trauma" for your donation of any amount! Plus, receive member-exclusive benefits when you make a recurring gift today. Your monthly support helps families thrive. Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

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 Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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 Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Steve Webber served a mission for The Church of Jesus Christ of Latter-day Saints in the Spain Barcelona Mission and later graduated from Brigham Young University with a degree in Business Management. Professionally, he owns and manages an advertising agency. Steve has served in various leadership capacities, including bishop, high counselor, Young Men president, elders quorum president, and high priest group leader. These experiences, along with his time as a home minister, have given him a unique perspective on how valiant ministering can bless the flock of the Good Shepherd. He currently hosts the Home Ministering Podcast on YouTube. Steve lives in Cedar Hills, Utah, with his wife, Jana. They are the parents of five children and five grandchildren. Links HomeMinistering.com Home Ministering: The Process of Perfecting the Saints Watch the video and share your thoughts in the Zion Lab community Transcript available with the video in the Zion Lab community Highlights Steve discusses the evolution of ministering within the Church, emphasizing the shift from home teaching to a more holistic approach to ministering. He shares insights from his book and offers practical advice for leaders to enhance their ministering efforts. 00:03:22 – Background on Steve’s Book 00:04:04 – The Shift from Home Teaching to Ministering 00:05:13 – Early Experiences as a Bishop 00:06:43 – The Importance of Personal Connection 00:08:28 – The Role of Personalization in Ministering 00:09:06 – The Need for Flexibility in Ministering 00:10:00 – Addressing Safety Concerns in Ministering 00:10:31 – The Evolution of Ministering Terminology 00:12:01 – The Church’s Long-Term Vision for Ministering 00:14:25 – The Impact of Ministering on Church Attendance 00:15:40 – The Power of Asking the Right Questions 00:18:43 – Encouraging Open Communication in Ministering 00:20:37 – Serving Like Jesus 00:22:47 – Developing Christlike Attributes through Ministering 00:25:54 – The Importance of Prayer in Ministering 00:28:20 – The Role of Ministering in Building Community 00:30:40 – The Need for Humility in Receiving Help 00:32:54 – The Importance of Ministering Relationships 00:35:02 – Historical Context of Ministering Changes 00:37:21 – The Higher Law of Ministering 00:39:40 – The Role of Family Support in Ministering 00:41:06 – Building Authentic Relationships in Ministering Key Insights Ministering as a Higher Law: The transition from home teaching to ministering represents a return to the original purpose of caring for one another, focusing on service rather than just teaching lessons. Personal Connection: Effective ministering involves building genuine relationships, where ministering brothers and sisters are seen as trusted friends who can provide support and encouragement. The Power of Prayer: Asking families what they need prayer for can open doors for deeper connections and help ministering brothers and sisters understand how to serve effectively. Flexibility in Approach: There is no one-size-fits-all method for ministering; leaders should encourage creativity and adaptability based on the unique needs of families. Importance of Presence: Simply showing up and expressing love can have a profound impact, even if there are no specific tasks to perform. This presence fosters trust and openness. Leadership Applications Encourage Open Communication: Leaders can promote a culture where members feel comfortable sharing their needs, making it easier for ministering brothers and sisters to provide support. Focus on Relationships: Leaders should emphasize the importance of building relationships over merely fulfilling assignments, encouraging members to engage with those they serve on a personal level. Model Humility and Service: By demonstrating a willingness to receive help and support, leaders can set an example for their congregations, showing that vulnerability and openness are strengths in the ministering process. The award-winning Leading Saints Podcast is one of the top independent Latter-day Saints podcasts as part of nonprofit Leading Saints’ mission to help Latter-day Saints be better prepared to lead. Find Leadership Tools, Courses, and Community for Latter-day Saint leaders in the Zion Lab community. Learn more and listen to any of the past episodes for free at LeadingSaints.org. Past guests include Emily Belle Freeman, David Butler, Hank Smith, John Bytheway, Reyna and Elena Aburto, Liz Wiseman, Stephen M. R. Covey, Benjamin Hardy, Elder Alvin F. Meredith III, Julie Beck, Brad Wilcox, Jody Moore, Tony Overbay, John H. Groberg, Elaine Dalton, Tad R. Callister, Lynn G. Robbins, J. Devn Cornish, Bonnie Oscarson, Dennis B. Neuenschwander, Kirby Heyborne, Taysom Hill, Coaches Jennifer Rockwood and Brandon Doman, Anthony Sweat, John Hilton III, Barbara Morgan Gardner, Blair Hodges, Whitney Johnson, Ryan Gottfredson, Greg McKeown, Ganel-Lyn Condie, Michael Goodman, Wendy Ulrich, Richard Ostler, and many more in over 800 episodes. Discover podcasts, articles, virtual conferences, and live events related to callings such as the bishopric, Relief Society, elders quorum, Primary, youth leadership, stake leadership, ward mission, ward council, young adults, ministering, and teaching.

00:00 Introduction 01:05 Why starting a business today is different 02:30 The mindset you need before launching a business 04:10 Identifying the right opportunity 06:05 Why most people start businesses the wrong way 08:00 The importance of learning before scaling 09:45 Building the right network and partnerships 11:30 Taking action instead of waiting for perfect conditions 13:20 Avoiding common beginner mistakes 15:00 Long-term thinking vs quick money 16:40 Final advice for new entrepreneurs 17:40 Closing thoughts   • Starting a business begins with mindset and clarity • Focus on solving real problems • Build relationships and partnerships early • Take consistent action instead of waiting for perfection • Think long term when building wealth and business More episodes on How To with Gino Barbaro and insights from Gino Barbaro and the Jake & Gino Podcast network. If you're looking to learn more about multifamily real estate investing and how to build long-term wealth, check out the resources, education, and community created by Gino Barbaro and Jake Stenziano. Learn more here:https://wheelbarrowprofits.com We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

I am excited to welcome Dr. Aaron Hartman once again today, as he truly exemplifies the notion that the best doctors are shaped by their personal struggles. Dr. Hartman is a smart and insightful guest whose journey into functional medicine began at home rather than with a textbook. Today, he shares some of his story, and we discuss his latest book, Uncurable: From Hopeless Diagnosis to Defying All Odds, which chronicles the personal challenges his family faced and offers hope and guidance for anyone told there is nothing more that can be done. How to protect yourself within the healthcare system: Trust your gut if something does not feel right Ask whether an intervention is truly urgent or optional Research the data before starting long-term medication Focus on root causes, not just lab numbers Choose providers who welcome informed questions and collaboration Bio: Dr. Aaron Hartman Dr. Aaron Hartman's journey into functional medicine began when he and his wife adopted their first daughter from foster care. She has cerebral palsy and severe dietary challenges. Despite visiting many specialists, even as a physician he felt frustrated and without clear answers. Her health struggles led him to realize that the traditional healthcare system does not always provide solutions for complex conditions. Encouraged by his wife, he explored functional medicine. With this approach, his daughter and their other two children began to thrive. After years in family practice, Dr. Hartman shifted his focus to helping patients identify key lifestyle and health factors that allow the body to heal and regain vitality. He is now known as a go-to doctor in central Virginia for complex and difficult cases. His book UnCurable: From Hopeless Diagnosis to Defying All Odds shares his personal and professional journey caring for his daughter and navigating the medical system. Dr. Hartman has participated in over 70 clinical studies, founded the Virginia Research Center, serves as an Assistant Clinical Professor of Family Medicine at VCU School of Medicine, and founded Richmond Integrative and Functional Medicine in 2016 to care for patients who have fallen through the cracks of traditional healthcare. In this episode: Why Dr. Hartman and his wife rejected the “never walk, never talk” prognosis placed on their daughter    The potential cost of following the standard of care without question  Dr. Hartman connects nutrient-deficient crops grown in mineral-depleted soil with chronic disease patterns How people often focus on macronutrients while overlooking the importance of the essential trace minerals  Why Dr. Hartman treated nutrition as a therapeutic tool, not just supportive care for his daughter's healing How medical blind spots can cause unintended harm for decades before being corrected The potential link between environmental chemical exposure and the rise in autoimmune diseases, neurodevelopmental disorders, and cancer Links and Resources: Use code CHOLINE to get 10% off Choline Support Integrative Health and Hormone Clinic (IHH Clinic)

Welcome to the Grace in Focus podcast. Today, Bob Wilkin and Ken Yates are answering a question about the early church fathers. How much should we respect or regard their […] The post Are We Arrogant to Reject the Teachings of the Early Church Fathers? appeared first on Grace Evangelical Society.

What if the reason you're still renting isn't money—it's missing information? On Healthy Mind, Healthy Life, hosted by Yusuf, John Collins breaks down the grant and down-payment programs most people never get taught. This episode is for anyone who feels priced out, overwhelmed, or unsure who to trust. You'll learn how to search what's available in your area, understand the difference between grants vs assistance loans, and build a Plan A/B/C that restores options—and hope. About the Guest: John Collins has spent decades in the finance and mortgage world helping renters step into homeownership, often with little to no money down. He founded OwnTheRoof.com, hosts free webinars, and authored No Down Payment, No Problem. Episode Chapter: 00:03:26 The belief that homeownership is “unrealistic” 00:06:34 2,500+ programs exist—why “hope” is the real hurdle 00:08:33 Grants vs down payment assistance, explained simply 00:10:12 Forgivable vs deferred assistance: how you keep the money 00:12:13 Search by address: finding programs in your neighborhood 00:13:56 How renting quietly drains wealth through missed equity 00:18:17 The mental weight of renting: instability, stress, and roots Key Takeaways: Start with grants first: money you typically don't repay. Understand assistance types: forgivable, deferred, and repay-with-interest. Search programs by location to uncover local and state options. Build Plan A/B/C so you're not relying on one program. Focus on workable basics: stable income and “good enough” credit. How to Connect With the Guest: Visit https://owntheroof.com/  to run a program search and register for John's free webinars.   Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik™️. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer. Healthy Mind By Avik™️ is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty, storyteller, survivor, and wellness advocate. With over 6000+ episodes and 200K+ global listeners, we unite voices, break stigma, and build a world where every story matters.

Cognitive neuroscientist Phillip Campbell explains how leaders can improve focus, adaptability, and strategic thinking by strengthening their brain skills. In this episode of On the Brink with Andi Simon, he explores "fluid thinking," the neuroscience behind change, and why developing cognitive adaptability is essential in the age of AI. Summary In this episode of On the Brink with Andi Simon, cognitive neuroscientist and executive brain coach Phillip Campbell shares powerful insights on how our brains shape our ability to lead, adapt, and innovate. Drawing on decades of research and coaching experience with Fortune 500 executives, Campbell explains why most change initiatives fail, how subconscious brain habits influence our thinking, and why "fluid thinking" is essential in the age of AI. As technological disruption accelerates, leaders who strengthen their brain skills—focus, adaptability, strategic thinking, and creativity—will be better prepared to thrive in uncertainty. This conversation explores how we can literally rewire our brains to improve performance, resilience, and success in a rapidly changing world. Rewiring the Brain for Success in the Age of AI: Insights from Cognitive Neuroscientist Phillip Campbell How do leaders adapt when change is happening faster than ever before? In this episode of On the Brink with Andi Simon, I spoke with Phillip Campbell, a cognitive neuroscientist, executive brain coach, and CEO of enigmaFit . His work focuses on something many leaders overlook: the way our brains are wired to resist change, even when we know intellectually that change is necessary. Campbell has spent more than 25 years coaching Fortune 500 executives and entrepreneurs around the world. His mission is to help leaders improve their brain skills, adaptability, and cognitive performance—capabilities that are increasingly critical in an era defined by artificial intelligence and constant disruption. Why Technology Initiatives Often Fail Campbell's journey began with a fascinating insight. Early in his career, he discovered research showing that 70% of technology implementations fail—not because of the technology itself, but because of human resistance to change. Organizations often invest heavily in systems and tools but overlook the most important element: the human brain. Campbell realized that successful transformation requires more than training people on new tools. Leaders must understand how individuals think, process information, and respond to uncertainty. When organizations align technology with how people actually work and think, adoption improves dramatically. This insight led him to develop his executive coaching firm, enigmaFit, and the TRACER methodology, which focuses on rewiring the brain to improve leadership performance. The Power of "Fluid Thinking" At the center of Campbell's work is the concept of fluid thinking. Fluid thinking is the brain's ability to adapt, solve new problems, and respond creatively to unfamiliar situations. It differs from what psychologists call crystallized knowledge—the facts and information we already know. For example: Crystallized knowledge: remembering the capital of France. Fluid thinking: solving a problem you've never encountered before. In today's fast-changing world, fluid thinking is becoming far more important. As Campbell explains, AI is transforming work by taking over routine cognitive tasks. That means humans must rely increasingly on adaptability, creativity, and strategic thinking. The Ten Subconscious Brain Habits Campbell identifies ten subconscious thinking habits—also called brain skills—that determine how effectively we think and perform. These brain habits influence abilities such as: Focus and attention control Strategic thinking Analytical thinking Creativity and innovation Adaptability and flexibility Leadership and decision-making One of the most surprising findings from Campbell's work is that 90% of executives have only low to moderate focus thinking. In other words, many leaders struggle with distraction and attention management. Modern workplaces—with constant emails, messages, and digital notifications—make the challenge even greater. When leaders strengthen their focus thinking, however, they often gain an extra hour of productive time each day and experience far less mental fatigue. Why Habits Drive Leadership Performance From an anthropological perspective, this insight is powerful. Human behavior is deeply shaped by habit and subconscious patterns. Campbell emphasizes that simply telling someone to "be more strategic" or "think more creatively" rarely works. That's because conscious intention cannot override subconscious brain habits. Instead, the brain must be trained through deliberate practice. This is similar to learning how to drive a car. At first, driving requires intense concentration. Over time, repeated practice builds neural pathways until driving becomes automatic. The same principle applies to leadership thinking. Through structured exercises and cognitive training, individuals can literally rewire the brain's neural architecture. Brain Capital in the Age of AI Campbell's work aligns with a growing global conversation about "brain capital." Organizations are beginning to recognize that their most valuable asset is not simply technology or intellectual property—it is the cognitive capability of their people. According to research highlighted by the World Economic Forum, brain capital includes: Brain health (mental well-being) Brain skills (thinking abilities) Companies that invest in strengthening both will have a significant advantage in an AI-driven economy. Building a Brain Ready for the Future The pace of change in today's world can create stress, anxiety, and burnout. Many professionals feel overwhelmed by the constant pressure to adapt. Campbell's message is ultimately optimistic. By strengthening focus, analytical thinking, creativity, and adaptability, individuals can build resilient brains capable of thriving in uncertainty. In other words, the future belongs not just to those with the most knowledge—but to those with the most adaptable minds. To learn more about Phillip Campbell and his work:Phillip's profile:  linkedin.com/in/phillipcampbell001 Website:  enigmafit.com  Connect with me: Website: www.simonassociates.net Book Website: www.andisimon.com Email: info@simonassociates.net Learn more about our books here: Rethink: Smashing the Myths of Women in Business Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success On the Brink: A Fresh Lens to Take Your Business to New Heights Now--it is time to share our new book with our listeners. Rethink Retirement: It's Not The End--It's the Beginning of What's Next. On Amazon and soon in your local bookseller.                                                                                                                         Rethink Retirement: The Workbook

Join The In-Person Scaling Workshop In Las Vegas: https://www.acquisition.com/o-vegasYou're about to hear the exact blueprint that took Alex Hormozi from hustling in the gym industry to dominating the social media game and building an empire. In this Q&A, Alex breaks down the top social media strategies that have fueled his success, revealing why YouTube is the conversion king and how Instagram still leads in traffic generation. He uncovers the realities of balancing intense business growth with personal relationships, offering insights that most entrepreneurs won't talk about. Alex also shares some tips to boost productivity and focus, especially for business leaders battling ADHD.In this episode00:00 Top ROI platforms: YouTube, Instagram, and TikTok02:13 How Alex and Leila met03:28 Balancing between business and a relationship06:15 How to make cold calls and push through to seven figures07:10 ADHD productivity hack: Focus through subtraction, not additionMore Value:Download your free personalized $100M scaling roadmap in under 30 seconds: https://www.acquisition.com/roadmap?el=yt-alex-486r&htrafficsource=youtubeDiscover The Easiest Business I Can Help You Start (Free Trial): https://www.skool.com/hormoziGet the $100M Book Bundle: https://shop.acquisition.com/pages/100m-book-bundleTake the $100M Lead Generation Course: https://www.acquisition.com/training/leads?hsLang=enLearn How to Make Offers People Cannot Refuse: https://www.acquisition.com/training/offers?hsLang=enFollow Alex Hormozi's Socials:⁠⁠LinkedIn ⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠Facebook⁠⁠ | ⁠⁠YouTube ⁠⁠ | ⁠⁠Twitter⁠⁠ | ⁠⁠Acquisition ⁠

Melanie Shankle shares how childhood trauma and a “mean girl” mom affected her life, marriage, and motherhood, bringing a message of hope and healing in Jesus Christ. Receive the book Here Be Dragons plus a free audio download of "Healing as a Parent from Childhood Trauma" for your donation of any amount! Plus, receive member-exclusive benefits when you make a recurring gift today. Your monthly support helps families thrive. Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

When was the last time you and your spouse laughed at something? Ted Cunningham sits down with Jim Daly to share a few times he and his wife Amy have found reasons to laugh together. You'll also hear from Greg and Erin about how they've learned to find reasons to laugh amidst a very busy season. Find us online at focusonthefamily.com/marriagepodcast or call 1-800-A-FAMILY. Receive the book A Love That Laughs for your donation of any amount! Focus on Marriage Assessment Bringing Laughter to Your Marriage Humor in Marriage Having Fun in Your Marriage Support This Show! If you enjoyed listening to the Focus on Marriage Podcast, please give us your feedback.

Discover the top nutrient-dense foods to add to your diet and the best ways to improve nutrient intake. Simple changes can improve nutrition and fortify a nutrient-dense diet. Boost your health with more nutrient-dense meals today! Download Dr. Berg's Free Daily Health Routine: https://drbrg.co/45qtO07Increase nutrient-dense foods in your diet with these 27 healthy food tips!1. Add extra-virgin olive oil to your salad to help extract fat-soluble vitamins. 2. Add black pepper to your food, and when consuming turmeric, to increase absorption.3. To maintain healthy blood pressure levels, increase nitric oxide by consuming beets, arugula, and beet juice powder. 4. Increase cabbage intake for vitamin U and sulforaphane.5. Consume sauerkraut for more vitamin K2, which helps keep calcium in the bones and out of the soft tissues. 6. Drink 1 teaspoon of apple cider vinegar with water before a meal to acidify the stomach and increase protein digestion and nutrient absorption. 7. Consume sea salt before bed for better sleep and 84 trace minerals. 8. Consume shellfish once per week for the trace minerals zinc, selenium, and iodine. 9. Consume broccoli with mustard to enhance sulforaphane.10. Drink green tea for EGCG, which benefits many things, from weight loss to cancer prevention. 11. Add butter to your vegetables to help extract phytonutrients. 12. Consume dark chocolate to support microbes and increase nitric oxide. 13. To increase digestive juices, consume bitter vegetables first, such as dandelion greens, arugula, swiss chard, and kale.14. Go for a walk after you eat to burn off extra sugar. 15. Consume garlic for allicin's potent anti-cancer properties.16. Add sage, thyme, rosemary, or garlic to meat when you cook on the grill. 17. Soak nuts overnight and dry them in the oven to enhance nutrients and digestibility.18. Consume high-quality animal protein such as grass-fed meat. 19. Eat a protein-rich breakfast to boost cognitive function, increase energy, and reduce cravings. 20. Follow a low-carb diet with intermittent fasting. 21. Focus on getting enough collagen by consuming bone broth, animal skin, or collagen powder. 22. Consume sardines, cod liver, cod liver oil, and fatty fish to increase omega-3 fatty acids.23. Add high-quality raw cheese to your diet.24. Add cheese and nutritional yeast to your salad to increase B vitamins. 25. Consume cooked tomatoes to increase lycopene. 26. Consume onions for the anti-inflammatory compound quercetin. 27. Avoid refined sugar and starches. Dr. Eric Berg DC Bio:Dr. Berg, age 60, is a chiropractor who specializes in Healthy Ketosis & Intermittent Fasting. He is the Director of Dr. Berg Nutritionals and author of the best-selling book The Healthy Keto Plan. He no longer practices, but focuses on health education through social media.Disclaimer: Dr. Eric Berg received his Doctor of Chiropractic degree from Palmer College of Chiropractic in 1988. His use of “doctor” or “Dr.” in relation to himself solely refers to that degree. Dr. Berg is a licensed chiropractor in Virginia, California, and Louisiana, but he no longer practices chiropractic in any state and does not see patients, so he can focus on educating people as a full-time activity, yet he maintains an active license. This video is for general informational purposes only. It should not be used to self-diagnose, and it is not a substitute for a medical exam, cure, treatment, diagnosis, prescription, or recommendation. It does not create a doctor-patient relationship between Dr. Berg and you. You should not make any change in your health regimen or diet before first consulting a physician and obtaining a medical exam, diagnosis, and recommendation. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition.

In the 1990s, Ana Maria's father drove a taxi in Miami. One repeat passenger had a ritual: at the end of every ride, he'd give her father $20 for Ana Maria to “buy something nice.” One day, the man pulled out a $50 bill — the exact amount she needed to apply to her dream school. Do you have your own story of an unsung hero? We'd love to hear it! Record a voice memo and email it to us at myunsunghero@hiddenbrain.org.  Some guidance: --Focus on ONE moment that you will never forget.  --Make sure you're in a quiet, non-echoey room. --Speak conversationally, like you're talking to a friend. --Let us know why this person continues to impact your life. --If your hero were standing in front of you today, what would you say? Address them directly. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why 87 Million Americans Are Ditching Traditional Employment (And How You Can Too) Summary Discover why millions of Americans are quitting their traditional 9-to-5 jobs and transitioning into lucrative side hustles in 2026. In this episode, Tracy Brinkmann dives into the top 8 side hustles open to digital entrepreneurs and online entrepreneurs, highlighting opportunities to make money online with six-figure income potentials. From AI automation services and experience-based consulting to digital products for beginners and specialized tutoring, learn proven marketing strategies and tips for entrepreneurs to build passive income and replace your day job. Tracy breaks down startup costs, realistic earnings, and practical email marketing tips to help you grow your email list and boost sales. Whether you're looking for side hustles for busy parents or innovative digital marketing tactics, this episode equips you with actionable advice and digital product ideas. Subscribe to the AI Escape Plan Newsletter for weekly insights and start your journey toward online entrepreneurship and financial freedom today. Key Timestamps 00:00 Opening  - The 2 AM bank account reality check 00:45 Episode Overview 01:50 The Foundation Shift 02:45 Carter Osborne Case Study 04:05 Side Hustle #1: AI Automation Services - $200/hour with zero coding experience 05:15 Side Hustle #2: Experience-Based Consulting - Package your expertise 06:00 Side Hustle #3: Digital Products - Create once sell forever 07:25 Side Hustle #4: Specialized Tutoring - Steven Menking's $1,000/hour strategy 08:20 Side Hustle #5: User-Generated Content - Kelly Rocklein's 6-figure UGC business 09:05 Side Hustle #6: Skilled Trades - AI-proof income up to $300/hour 10:35 Side Hustle #7: Content Creation & Podcasting - Anonymous income with AI tools 11:15 Side Hustle #8: Remote Healthcare Support - 70% growth opportunity 12:25 The Reality Check - Why most side hustles fail and what 2026 changes 13:30 The Bigger Picture - Death of industrial employment model 15:05 Whiskered Wisdom - Your specific action step for this week Key Insights & Strategies Shared The Economic Reality 95% of workers say income hasn't kept up with cost of living Global gig economy hit $674 billion in 2026 87 million Americans will be freelancing by 2027 (nearly half the workforce) One in four adults already runs a side business The Carter Osborne Blueprint Started tutoring as side hustle in 2017 Quit PR director job by 2024 to earn $220K working 10 hours/week Most income from digital products, not direct tutoring $37 Google Doc made $800 in first week The 8 High-Earning Opportunities 1. AI Automation Services $60-200/hour rates on Upwork/Fiverr Projects range $2,000-15,000 Startup cost: $117/month (ChatGPT Plus + HighLevel) Example: Austin wellness studio paid $400/month for 10-minute ChatGPT bot 2. Experience-Based Consulting $75-150/hour for specialized knowledge Focus on specificity (customer retention specialist vs. business consultant) Mid-to-late career professionals excel with battle-tested solutions 3. Digital Products 90% profit margins after fees E-learning market racing toward $370 billion by 2026 Earnings: $1,000-50,000 monthly depending on niche Sell transformation, not just information 4. Specialized Tutoring Market hit $10.4 billion in 2024, growing 14.5% annually Steven Menking: up to $1,000/hour private tutoring Platforms: iTalki ($30-60/hour), Preply, Wyzant Focus on specialization, not competing on price 5. User-Generated Content Kelly Rocklein: six-figure business while keeping corporate job $200-500 per video through Billo, Insense, #paid Social media management: $50/hour once ROI proven No massive following required 6. Skilled Trades AI-proof income streams Marisa Risden: $4,500/month via TaskRabbit/Thumbtack Independent contractors: up to $300/hour specialized work Recession-resistant demand 7. Content Creation & Podcasting Ginni Saraswati-Cook: $50K monthly, doubled yearly 2026 twist: Anonymous channels using AI tools ElevenLabs (voice), Runway (editing), ChatGPT (scripts) Top podcasters: $30K-100K through multiple streams 8. Remote Healthcare Support 70% year-over-year growth Medical coders: nearly $40/hour average Lower barrier to entry than expected Certification requires organization skills, not medical degree Resources Mentioned AI Automation Platforms ChatGPT Plus ($20/month) HighLevel ($97/month) Zapier (workflow automation) Make.com (no-code automation) Upwork & Fiverr (freelance marketplaces) Digital Product Platforms Teachable (course creation) Thinkific (online courses) Etsy (template marketplace) Shopify (e-commerce store) Gumroad (digital downloads) Tutoring Platforms iTalki (language learning) Preply (conversational practice) Wyzant (academic subjects) UGC & Social Media Billo (UGC platform) Insense (brand collaborations) #paid (influencer marketing) Skilled Trades TaskRabbit (home services) Thumbtack (local services) Content Creation Tools ElevenLabs (AI voice generation) Runway (video editing) ChatGPT (script writing) Action Steps to Take This Week's Specific Action Pick ONE of the eight side hustles and spend 30 minutes researching the first step: AI Automation: Sign up for ChatGPT Plus Consulting: Write down 3 specific problems you've solved in your current job Digital Products: Identify one thing you know that others struggle with Tutoring: Research rates in your expertise area on iTalki or Wyzant UGC: Create sample content and research brand collaboration platforms Skilled Trades: List your practical skills and research local demand Content Creation: Experiment with AI tools for anonymous content Healthcare Support: Research certification requirements in your area Financial Preparation Research quarterly estimated tax requirements for 1099 income Consider forming an LLC if scaling toward full-time Don't let tax considerations stop you from starting Mindset Shifts Required Security comes from diversification, not dependence Focus on solving real problems, not chasing trends Start with proof of concept before major investments Call To Action Ready to stop trading hours for dollars and start building income streams that work around your family schedule? Subscribe to the AI Escape Plan Newsletter - specifically designed for parents ready to break free from the 9-to-5 grind. Each issue delivers practical, AI-powered strategies to start, grow, and streamline side hustles, all designed to protect your family time while boosting your income. Your roadmap to more money, more freedom, and more of what truly matters. Visit: DarkHorseInsider.com   Key Quotes "The side hustle economy isn't a backup plan anymore - it's become the foundation of American work." "People pay for solutions to their problems, and you don't need thousands of subscribers to make money." "There are no prerequisites to starting a successful side hustle." "The side hustle economy is no longer coming. It's here. And it's waiting for you to claim your piece of it."

Andrea and Jodie charm with a delightfully chaotic chat about bird cams, leg-shaving regrets and the weird perks of perimenopause. Focus moves to unpack Stephanie's classic preteen dilemma, desperately wanting to be an individual by being exactly like everyone else. Follow us on Instagram @howrudepodcast & TikTok @howrudetanneritosSee omnystudio.com/listener for privacy information.

Rachel calls in to the hotline today to Talk To Me about her struggles with feeling secure standing alone. After the loss of her husband, she realized she'd never really dealt with abandonment wounds from the past, and is having a really hard time feeling secure in her singleness. How can a person begin to develop that confidence, and even enjoy being alone? Is it wrong to have a desire for a relationship, and how do you know if your desire for connection is healthy or unhealthy? We cover this and more, in today's episode of Talk To Me! Dig deeper by ordering my new book People Skills anywhere books are sold.  The Debra Fileta Counselors Network: Book a counseling session at the Debra Fileta Counselors Network and get started on your healing journey from the inside out TODAY! DEBRA FILETA is a Licensed Professional Counselor, national speaker, and founder of the Debra Fileta Counselors Network. She is the bestselling author of eight books including Choosing Marriage, Are You Really OK?, RESET, and Soul Care. Debra is the host of the popular podcast and nationally syndicated radio show Talk To Me where she facilitates on-air authentic counseling-style sessions with notable pastors and leaders. You may also recognize her voice from her appearances on national television and radio, including Better Together, The Kirk Cameron Show, Focus on the Family, The 700 Club, and many others. She reaches millions of people each year with the message of mental, emotional, and relational health. Connect with her on Instagram or at DebraFileta.com.

Are you tired? The truth is, many parents feel that way. Danny and John give some sobering stats on how exhausted moms and dads are today. Then, Jim Daly talks to Chris and Jenni Graebe about some ways you can be intentional to slow down, get some rest and enjoy time with your family. Find us online at focusonthefamily.com/parentingpodcast. Or call 1-800-A-FAMILY. Receive the book The Rhythm of Home for your donation of any amount! Take the 7 Traits of Effective Parenting Assessment Setting a New Rhythm For Your Family 5 Ways to Make a Change in Momentum with Family Relationships Building Family Identity Support This Show! If you enjoyed listening to the Focus on Parenting Podcast, please give us your feedback.

I recently had a long conversation with a very successful professional. He's 58 years old. Highly educated. Respected in his field. Financially sophisticated — in fact, his job depends on understanding money. If you looked at his résumé, you would assume he was completely set for life. He wasn't. A couple of bad investments. Some concentration risk. A few decisions that looked reasonable at the time. And suddenly he's essentially back at ground zero — trying to start a new business at 58. This story is far more common than people realize. The Dangerous Assumption is that many successful professionals assume they'll be fine. Doctors. Lawyers. Executives. Entrepreneurs. They make high incomes. They understand finance. They know about markets and interest rates and diversification. They focus on their career. They focus on income. They even focus on investing. What they don't focus on is their own financial future with the same intensity they focus on their profession. There's a difference. Being financially literate is not the same thing as being financially intentional. Especially when you assume you always have more time. The Good News at 58 is that he still has time. A lot of time. For entrepreneurs especially, it doesn't take 25 years to rebuild. It can take five. There's a quote often attributed to Bill Gates: “Most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five.” That quote is brutally accurate. In one year, starting a business feels overwhelming. Progress feels slow. Revenue is inconsistent. Doubt creeps in. But five years? Five years of focused effort, smart strategy, capital discipline, and experience compounded? That can change your entire financial trajectory. I've Seen This Movie Before. I have a very good friend who was worth over $40 million in his early 30s during the real estate boom. Then 2008 happened. The real estate debacle didn't just dent him — it wiped him out. For years, he struggled. Pride gone. Lifestyle reset. Just trying to survive. Most people would have mentally retired at that point. They would have blamed the market, blamed the system, blamed bad luck. But about six or seven years ago, he found his rhythm again. New strategy. New focus. New discipline. Today, he's worth over $60 million. I get that's not normal. But it proves something important. It Doesn't Take a Lifetime. The examples I just gave are extreme. Most people don't lose $40 million. Most people aren't rebuilding at 58. But the principle is universal: It doesn't take a lifetime to secure your future. It takes a focused season. A defined period where you are intensely clear about your objective. A stretch where: • You work harder than you're comfortable with • You manage risk better than you used to • You stop assuming income equals security • You align your decisions with a specific financial target for the future There's another quote I love: “The harder you work, the luckier you get.” Luck isn't random. It compounds around preparation, visibility, and persistence. When you are laser-focused on a financial goal, you start seeing opportunities others miss. You make better introductions. You ask sharper questions. You move faster when something makes sense. And over time, it looks like “luck.” The story of the 58-year-old professional isn't a warning about markets. It's a warning about complacency. Success in your profession does not automatically translate into security in your future. Income is not wealth. Financial literacy is not financial strategy. And intelligence does not eliminate risk. But here's the good news. If you're in your 40s or 50s and feel behind — you're not done. If you made a bad investment — you're not finished. If you took a hit — that's not your final chapter. You may just be at the beginning of your five-year season. The key is focus. Direct yourself to a destination you can visualize. That's the only way you will get there. Because in the end, securing your future rarely requires a lifetime of perfection. It requires a concentrated period of intensity. And the sooner you decide to enter that season — the sooner your next five years will start compounding in your favor. There is no one who knows this reality more than this week's guest on Wealth Formula, Rod Khleif . Watch on YouTube: https://www.youtube.com/watch?v=qogQNGbK9wk Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/549-youre-successful-until-youre-not-with-rod-khleif/id718416620?i=1000753860685 Listen on Spotify: https://open.spotify.com/episode/7mTzyRJxjnkeiVFGCXfOni Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  welcome everybody. This is Buck Joffrey with Dwell Formula Podcast. Coming to you from Montecito, California, I wanna remind you that there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna. Become, uh, more, uh, involved with this community, including our accredited investor club, AKA investor club, uh, very easy to join. It’s free. All you do is you get onboarded and you see lots of, uh, potential deal flow that you wouldn’t otherwise see again, that is wealthformula.com. Simply click on investor club and get onboarded. Now, as for today’s show, I had a, uh, a long conversation with a very successful professional, recently 58, highly educated, respected, financially sophisticated, in fact, in the money business. Uh, and if you look at his resume, you would assume he was completely set for life, but he wasn’t. A couple of bad investments, some concentration risk. A few decisions that looked reasonable at the time, and suddenly he’s back pretty much to ground zero trying to figure out what to do, and he’s thinking about starting a new business or maybe buying a business. Well, that got me thinking because the reality is this story is far more common than people realize, and I actually hear it fair amount. Right? Many successful professionals assume they’re gonna be fine. Doctors, lawyers, executives, entrepreneurs, making high incomes. Maybe they understand finance, they know about markets, interest rates and diversification in theory. But here’s the trap. You focus on your career. You focus on income. What they don’t focus on is their own financial future with the same intensity. They focus on the profession, and that’s. The difference, right? The issue is that being financially literate is not the same thing as being financially intentional. Now, I actually hate that word because it’s a very, uh, uh, neo agey word intentional. But in this case, I will use it because that it’s very, it’s very appropriate. But here’s the good news, even at 58, right, you still have time. You have a lot of time for, especially for entrepreneurs, it doesn’t take 25 years to rebuild. It can take five. And there’s this quote, um, it’s often attributed to Bill Gates, who, who’s been in the news lately for a lot of other stuff, but this is a good quote. He says, most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five. And that quote is so true. I will, it’s incredibly powerful and it’s very, very useful to think about and. Put in the back of your mind because in a year, like you’re saying, you’re starting a business, it’s gonna feel overwhelming. You may lose money, you know, slow progress, revenue, inconsistent five years, you know, with focused effort and you know, good strategy and discipline. The financial trajectory of your life could completely change over that five years. In fact, I will say that with my first business that I ever started, that is absolutely what happened. I was just pretty much outta residency, didn’t have any money, and within five years I was rocking and rolling. You know, it was a, it was, you know, it wasn’t worth, you know, hundreds of millions of dollars. But I, I, I was, I was doing way better. If you look over five years, it’s an incredible trajectory. And it’s not just me. I mean, there’s guys who’ve done it more extreme ways. I talk about this friend, a lot of times he was worth like 30 or $40 million in his early thirties, and then 2008 happened. It didn’t just kinda dent him, it wiped him out, and for years he struggled. Lifestyle kind of reset a little bit, just trying to survive. You know, there’s this saying in business that the key to su success in business is to stick around long enough until you get lucky again. Well, sometimes that’s true. And a lot of people might have, uh, kind of mentally retired at that point. But the reality is he stuck with it. He rebuilt about six or seven years. He was kind of sideways, then another six or seven years, new focus, new discipline, and today worth 60 million bucks. Now, that’s not normal, right? But it does provide, uh, it does, it does kind of provide an important point. It doesn’t take a lifetime always. Now most people don’t lose $40 million, and most people aren’t rebuilding necessarily from zero at 58, but the principle really is universal. It doesn’t take a lifetime to secure your future. It takes a focus season to find period where you’re intensely clear about your objective. It’s a stretch where you work harder than you’re comfortable with, and maybe it’s not fun to do that in your fifties or sixties. You manage risk better than you used to. You stop assuming income equals security. You align your decisions with a specific financial target. You know what, there’s a another line I love, another quote, and I don’t know where this one comes. I, I, I think it was some hockey coach of mine way back. It’s that the harder you work, the luckier you get. The thing is that luck isn’t random, right? It compounds. Around preparation and visibility and persistence. And when you’re laser focused on a financial goal, you’re gonna start seeing opportunities that are out there that others might miss. You’re gonna make, you know, better introductions, ask sharp questions. You move faster when something makes sense, and over time it starts to look like luck. I think the real lesson, um, about the situation that people get into, like this person I was talking about is. That it, it’s not a warning about markets per se, although markets have a lot to do with it. It’s a warning about complacency. You know, success in your profession does not automatically translate into security in your future. You know, income as you know, is not really wealth and financial literacy is not financial strategy. Although literacy is really, really important. You gotta have a strategy. And you can be really, really smart and not eliminate, you know, or mitigate risk enough. So if you’re in your forties or fifties and feel behind, you’re not done. Okay? You made a bad investment, you’re not finished. If you took a hit, I’ve taken plenty of heads, especially the last few years. It’s not your final chapter. You may just be looking at the beginning of your next five year season. And the key is focus clear goals, define targets, discipline, action. The sooner you decide to enter that season, the sooner your next five years will start compounding in your favor. Man, I gotta tell you, this is a, an ongoing story I hear a lot about, so again, think about that Bill Gates quote, you, you know, people tend to way overestimate what they can do in a year. Grossly underestimate what they could do in five. Anyway. There’s no one who knows this better than my guest on this week’s Wealth Formula podcast. Rod Cleef. Many of you already know him. We’ll have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account as your money accumulates. You borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investment. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast is Rod Thief. He’s a real estate investor, author, and mentor with decades of experience in multifamily investing. Uh, he’s built and sold hundreds of millions, uh, in, in apartment assets and teaches thousands of investors through coaching masterclasses and his life. Uh, lifetime Cash Flow Academy. Uh, rod, how you doing? Good, brother. Good to see you, my friend. Let’s review, but you know a little bit about you, your background. Sure. You know, uh, sure. We have an interesting story. Okay, well I’m a Dutch immigrant, you know, think wooden shoes and windmills. I immigrated to this country, uh, when I was six years old with my brother Albert, my mother’s cia. Um, and we ended up in Denver, Colorado. Uh, struggled initially. Really struggled actually. And, and I remember, uh, wearing hand me down clothes all the way through junior high school until I finally lied about my age when I was 14 ’cause I was tall and said I was 15 so I could flip burgers at Burger King. You know, and I’m sure you’ve got listeners that had it harder than I did, but I knew I wanted more. And luckily my mom had an incredible work ethic and so she babysat kids so we’d have enough money to eat. And with her babysitting money, she was an entrepreneur and invested in real estate. Um, and her first real estate acquisition was the house right across the street from us. When I was 14, she paid about $30,000. And then when I was 17, she told me she’d made $20,000 in her sleep. It had gone up in value. And I’m like, what? Forget college. I’m getting into real estate. So I. Went and got my real estate broker’s license right when I turned 18, which you could do back then with education. Now they got, they got smart you, they need some, you need some experience. But, uh, I was a broker. I was smart enough to go work for a broker. But, um, you know, my first year in real estate I made about eight grand. My second year, maybe 10 grand, but my third year I made over a hundred thousand dollars, which back in 1980 was some pretty decent money. And so what happened between year two and year three? Uh, the 10 x my income was what? What happens? I met a, a guy, he was a broker. I was working for actually, it taught me about the importance of mindset and psychology and how really 80 to 90% of your success in anything is just that your mindset and psychology. So fast forward to today, I’ve, I’ve owned over 2000 houses that I’ve rented long term. I own thousands of apartments now, and I’m also buying senior housing now, which I’m excited about. And you know, in 2006, my net worth went up $17 million while I slept. And you might say, wow. I said, wow, I got a head so big I could barely fit it through a door. And I thought I was a real estate God. And you know, when that happens, God of the universe will give you a nice little SmackDown. Well, that was 2008. I conservatively lost $50 million in 2008 and nine. What I’m known for talking about on my podcast, which I’m blessed to say at this point’s, the largest, uh, commercial real estate podcast really in the world at this point is, and, and the reason being is I spend time talking about mindset. You know, people don’t remember what you said, but they remember how you make him feel. And I do little clips every week called Own Your Power, their motivational clips. And, and I think that’s the reason it’s been so well received. But, uh, you know, I’m known for talking about the. Mindset it took to have 50 million to lose in the first place. And you know, maybe more importantly, the mindset it took to recover from losing it. But, uh, you know, I’d love to, we can chat about that if you like, or I’d love to talk about the state. Yeah. Whatever you It’s a, it’s, I think it’s appropriate to talk about that right now, rod. I mean, I think Okay. You know, in this, in this market with what we had, you know, um, you know, there’s been a, there’s been a lot of pain in multifamily and Yeah. You know, it’s, you know, you and I have talked about this before where. Part of success is, is trying to recognize particular situations. Um, you know, you talk about Warren Buffet and how Warren Buffet says be greedy, when others are fearful and all that, that’s great, but it’s really hard to do. Right? And so help us understand like, sure. You know, uh, how, how do you, how do you do that? Sure. How did you go and how bad did it get? Well, I lost 50 million. I lost $50 million, so it got pretty freaking bad. Okay. I call ’em seminars. That was an expensive seminar. Yeah. Yeah. And very little, uh, so it was, it was ugly. It was ugly, but. It was, it’s, I, I’ll be, I’ll be candid. The strategies I’ll share very briefly here, the strategies, I’ll share the same strategies you would use to get started. Okay. You know, if, if you know you need to do something, and we talked about this, uh, uh, before we started recording, you know, the. With ai, a lot of jobs are going away. You know, if you heard of Elon Musk on, on Joe Rogan’s last epi episode, or the last interview he did with Joe Rogan, you know, he said any job in front of a computer is pretty much gonna be gone like lightning, like a year or two. I mean that fast. It’s crazy. And so, you know, and even, you know, surgeons are, are, are, are gonna be replaced by robotics and, and on and on and you know, and I think there’s gonna be it professionals, uh, you know, there’s gonna be a lot of. Pain for the people that don’t proactively, you know, reinvent themselves, start thinking about what they’re gonna do to reinvent themselves. Maybe it’s an ai, maybe you’ll learn ai, but, but you better think about it now or if you’re in one of these positions. So when the shoe drops, you’re ready because. Uh, there’s a lot of opportunity. I mean, there’s 10,000 people a day turning 65 in this country. You could buy businesses, um, you know, uh, I’m in, I’m, I’m excited about senior housing. They need beds, you know, and, and there’s a huge shortage of beds, but, so there’s a lot of opportunity, but you better pick something if you’re in one of these fields and get busy starting to study it and learn it, and do it on the side so that when the shoe drops, you’re ready. That’s, I don’t wanna scare you, but I just wanna open your eyes. To that fact. But so how, how I recovered from losing $50 million again, is the same strategy I would tell you to use to get started. And it’s first thing, it starts with goals. You gotta figure out what it is you want. ’cause how do you get anything if you don’t know what it is? Because with the goals you create a burning desire or a hunger and you’ve gotta have that to push through fear and limiting beliefs and so on and so forth. And, um. You know, I, I, that’s, if you come to one of my bootcamps, I do a virtual bootcamp every couple of months. It’s two days. I don’t sell anything there. And I’ll tell you later how you can come for 47 bucks. So it’s no excuse. But, but the first thing we do is goal setting on steroids, uh, because you’ve got, again, you’ve gotta create that hunger. Now, I’ll, I’ll say this to you, if you have no interest in, in, uh, learning what I teach. At my link tree, I did my goal setting workshop. It’s an hour. There’s a guide you can download if you go to rodslinks.com or text the word links if you’re driving, uh, to 7, 2, 3, 4, 5 at the bottom. My, is my goal setting workshop. And you know, here’s the thing, buck, people spend more time planning a freaking birthday party than they do designing their lives. Doing your goals is designing your life. So you know, if, if, uh, if you haven’t done ’em in a while, go to Rods, links, go at the bottom. There’s my workshop, there’s a guide. You can download ’em. Not gonna try to sell you anything. Spend an hour with me. Have your spouse do it. Have your kids do it if they’re over 10 years old, and design their lives. So again, it starts with goals. So that’s the first thing I did was reassociate with my goals. Then the second piece is you gotta make a decision. And I don’t mean dip your toe in the water. I don’t mean one foot in, one foot out. I mean, you decide it’s done. Okay. The Latin root for the word decision means to cut off. If you’re gonna attack the island, you burn your ships ’cause you’re taking their ships home. That’s a decision. And, and that’s what I did. I said, okay, enough, quit feeling sorry for yourself. Pick yourself up and go make something happen. And that’s, that’s what I did back then when I lost everything. But it’s the same thing again. If you’re, if you’re in a job and you’re. You’re just not where you want to be. So we make that decision and then you gotta take the first step, uh, you know, buck. And that’s, that’s pretty much it. You know, Dr. Martin Luther King said, you take that first step in faith, the next step will be revealed. And you know, LA Sue said the journey of a thousand miles begins with a single step. But, you know, in our business and, and, and the investors that we deal with and, and the, you know. Uh, active investors and, and, and passive both, as many of ’em are very analytical and you know who you are. If that’s you and I love you, you’re some of the most successful students that I have and successful people in our businesses. However, I also know how you have to check off every single box before you make a move, and you can’t do that here. Okay? You’ve got to, you’ve got to recognize that you’ve gotta have enough faith. To get started, you know, you can go all the way across the United States at night with your headlight only seeing 50 feet in front of you. And, you know, you can make it, you know, other people have done it before you, you know, there’s a, there’s a, there’s a, a road. And, uh, it’s the same way. You may have some obstacles, but, uh, it’s the same way with this business or really any business. But you, you, you’ve got to take that first step. And, you know, a, a lot of people fear failure, and I’m gonna tell you, don’t fear failure. Fear being in the same place you are right now, a year or two from now, unless you absolutely freak. Love where you are right now. Fear, fear, regret. That’s what I would fear if I were you. I, I, there was this nurse in Australia, a hospice nurse, uh, and her name was Bronny Ware. She asked patients when, who were about to die, if they had any regrets, and she wrote a book about it as a national bestseller. Something like The Five Regrets of Dying. You know what the number on regret was? It was Living the, not Living the Life I could have lived living someone else’s life, not doing what I know. I’m capable of fear that don’t fear failure, you know? Well, the next piece is fear and limiting beliefs. So fear, you know, every successful person have has fear. Now we, we, we, entrepreneurs call it stress, but it’s fear. And, you know, action mitigates fear. You wanna mitigate fear, take action. Go do something. If I’m, if I’m laying in bed at night, it’s three in the clock in the freaking morning and something stresses me out again, stress is fear. That’s what we achievers call stress. Uh, it’s fear. Uh, and, and, um. If something wakes me up and I’m stressed about it, I literally will get outta bed and just go write down some notes. I used to have a pen with an electrical pen that drove my ex-wife crazy and I’d, I’d write notes sometimes fill up pages of notes in bed so that I’m taking some action so I can go back to sleep. So there’s a, there’s a very simple example of it, but anytime that I am fearful about something, I take massive action towards it. Just, just taking steps, doing things. That will mitigate it. And it’s just how it works. So, I mean, it’s, it’s, it’s as simple as that buck. I mean, you just have to do some things. Towards that fear now. Now, the other thing is, if you don’t take action, the fear expands. So that’s the, uh, uh, that’s the antithesis there. So, so you, you need to take action because that’ll, that’ll mitigate it. The, the next piece really is limiting beliefs. You know, when I immigrated this country, I didn’t speak English. I got thrown into school, found out what bullies were for the first time. So I got my butt kicked occasionally, hadn’t learned how to fight back, and then my mom, this is the prop, sent me to school in these wooden shoes. And these are the actual wooden shoes. We found them. When we put her in senior house, senior living in, and these leather shorts, the Germans wear for October Fest, I had to wear that to school. And of course that was crack cocaine for the fricking bully. So I got my ass kicked again. And don’t wooden shoes, rod Or, or those, yeah. Yeah. Wooden shoes. Wooden shoes. Yeah. These are from Holland, man. That’s where I was born. Yeah. My mom. Proud Dutch woman. Yeah. This is, they’re wood. They’re real wood. The farmers still wear these things, uh, ’cause they’re good to go through mud, but they’re crack cocaine for bullies. Okay? And so, yeah, you know, uh, I, I, I got my butt kicked again and, and I came up with this belief system that I wasn’t good enough. I used to ask myself, how can I show them I’m good enough? And a lot of people have these limiting belief systems. I’m not good enough. I’m not courageous enough. I’m not strong enough. I’m not old enough. I’m not young enough. Here’s the thing to remember. There’s a reason the acronym for Belief Systems is BS because 99% of them are bs, but we believe they’re real. I mean, I used to be afraid to raise my hand in front of 10 kids in a classroom, and because of fear of rejection, now I speak in front of thousands of people a year, usually in flip-flops. Okay, so you know, you can mitigate this. So if you’re aware of one of these. Limiting beliefs, BS belief systems, drag it out into the daylight. Look at it with your adult rational mind. You’ll recognize that it’s BS and it will dissipate. But you gotta, you gotta think about it consciously and it’ll, it’ll go away. Um, the, the next piece is focus. Um, you know, focus really is power and whatever we focus on gets bigger, both positive or negative. Okay? So it’s very important that you focus on what you want, not what you don’t want. I’ll get, people call me and say, how do I get outta my student loan debt? I’m like, wrong question. How do you make so much money? The debt’s irrelevant, is the question you need to be asking. They asked Mother Theresa if she was anti-war. She said, no, I’m pro peace. I mean, you get it, right? And, and so, and in fact, I’ll give you another example. So I, I, my podcast is over, I believe, over 30 million downloads, which doesn’t sound like a lot in our social media world, but in, in the podcasting space, it’s not bad. But I listened to two podcasts, Joe Rogan and Tim Ferris. I try to get both sides of the aisle. I’m definitely on, on one side. Uh, but, but, um. They get, and the reason I bring that up is they get about 30 million a week, you know, but that big podcast. But, but, um, on, on Tim Ferriss’ show, he interviews the best of the best in the world. You know, the best athletes like Michael Phelps, NFL players and NFL players, NBA players, actors like Hugh Jackman, ed Norton, Jamie Fox, Arnold billionaires like Ray Dalio, heads of the biggest companies on the planet like Zuckerberg. And he deconstructs their success. It’s very intelligent conversation. I mean, I, I love listening to it. I started to hear a pattern, uh, they almost all meditate. What does meditation enhance? Focus, right? So focus is a really important piece of, of, of success. And just a couple more. One is playing, the next one is playing to your strengths. You know, when, when you, when you go to reinvent yourself or if you’re struggling, you know, or, or gonna start something. Play to your strengths and hire a align or partner for your weaknesses. Like in our world, you know, there’s lots of different hats you can wear. It’s a team sport. You could be the person that finds the deals and analyzes them. If you’re analytical, you could be the mouthpiece like me or you, and you’re, you know, raising money, talking to brokers and, and getting the word out. You could be the. You know, the um, asset manager, if you’ve got some project management experience, construction experience, there’s lots of different hats you can wear, but you wanna play to your strengths. Your strengths are your greatest assets. Don’t try to maximize your fears. You’re gonna get much further. Like I said, if you hire aligner partner for your weaknesses, you know, some of the most successful. Um, partnerships I see in the business are an analytical, introverted person with an extroverted, outgoing person. I mean, that’s a match made in heaven in our business. ’cause our business is primarily empirical. You ask the right questions, uh, and, and you get the numbers right. You know, it’s kind of hard to make a big mistake. Um, and so. You know, just make sure you’re playing to your strengths and when you’re playing to your strengths, you’re gonna have passion and passion’s required to influence people. Right? ’cause you love what you do, so you’re passionate about it. So again, real heavy duty argument to play to your strengths. Yeah, I think the last piece, the last piece is, is peer group. Um, you know, who you hang out with is who you become. You’ve heard it, you’ve heard it before. So if you’re gonna get into something, get around people that are doing it. Like my Warrior Coaching program, I’m, I’m gonna brag. I, I, like I said, they own 300,000 multifamily units that we know of. I’m, I, it’s, we’re counting, uh, we know it’s close to 300,000. We’re at like 275,000 or something. I know there’s a lot we’re missing. And, you know, tons of senior housing, tons of self storage, tons of industrial flex space, um, retail mixed use, you name it. Uh, mobile home parks, and. Almost all of those deals were done between warriors, between my students. So you know, ha, who you hang out with is who you become. You know, if you show me your three best friends, I’ll show you who you are in your relationships, your happiness, your health, and definitely your finances. But see, so many people default to a peer group they went to school with or they work with, and those people with their own fears or limiting beliefs might hold you back, you know, afraid of losing you, afraid of feeling less than if you succeed. And sometimes it’s family. I’m gonna tell you, love your family, but proactively choose your peers. Right? You know, and when I was losing everything in 2008 and oh nine, I was in Tony Robbins Platinum Partnership and there were people there that were killing it in that crash, uh, you know, thriving. And they’re like, get up, you puss. 50 million Schmill. Go make something happen. That’s who you wanna be around, not only while you’re building, but certainly when the proverbial stuff hits the fan, right? Uh, so anyway. I, that those are, those are some of the big pieces. Yeah. Well, that, I mean, that’s, let, let’s talk a little bit about the, the business that you’re in. Um, you know, you’re, you’re heavily involved with real estate. Obviously these, uh, mindset things are a great place to start. Now you go out there, let’s talk about where the market actually is and what you’re seeing in this market right now. Does your represent opportunity to you? There’s a ton of opportunity because there’s a ton of people in trouble, sadly. Right. Okay. A lot, a lot of people got adjustable bridge debt. You know, these rates have gone through the moon. I’ll give you a small example. We were looking at a small asset in San Antonio where I’ve got some assets and I. And there, the lender reserve payment that this guy had to pay to prepare for a refinance went from 8,000 a month to 80,000 a month. Do you think that’s painful? Right. And you know, and, and when you’ve got a multi tens of millions of dollar loan on a property and the interest rates adjust several points, you’re done. And, and so that’s just on the interest rate piece. Uh, mentioning my SEC attorney had six foreclosures in one day, apartment complexes, uh, clients, new clients that came to him, he told me like three weeks ago. So who knows how many since then. But you know, there’s a lot of deals and trouble and it’s sad. It’s very sad. But, uh, that’s just one piece is the loans. Uh, the expenses have gone through the thick and roof. I mean, I’ve got maintenance supervisor that’s making $40 an hour at this point, which is crazy. Uh, you know, I, I teach at my bootcamps. Uh, I used to teach a 50% expense ratio. That’s what you want to have. Now I teach 60% ’cause they’ve gone up that much. And so, you know, there’s a lot of pain in the market. But with crisis comes opportunity. There’s incredible deals. I’ve got a a, a 200 unit asset in San Antonio. Um. That is on a lake, and right next door is a 300 unit, 300 plus unit asset. Um, it’s sold the 300 units sold for 43 million in 21 or 22. It’s, it’s with the bank, it’s down to 28 million now. And I’m not even interested unless it gets to 24, unless the rates drop significantly. And so 43 to 24. So that’s what’s out there right now. And di I think you just bought a, a deal at like a 40% discount, didn’t you? Yeah. Yeah. Yeah. And here’s the thing, which is what I wanted to get into as well, and I I just bring, bring people’s attention to it, is that these times in history don’t happen that frequently. Right? Right. And it, and it’s interesting what the, the last multiple, uh, opportunities we’ve, we’ve, we’ve capitalized on, they have been all these situations where it’s a debt problem, right? It’s, it’s an asset that’s performing fine. But someone’s got a month, uh, to go and they just need to get out. They’re gonna lose all their equity, their debts due. Um, yeah, their debts do, there’s like this, this wall of debt, like, I think it’s like a trillion dollars of debt due by the end of this year. So what we’re seeing is, you know, the last several opportunities, 30 to 40% discounts on basis, uh, compared to just two or three years ago. And I think the challenges for investors is that like. In the background, those of us who’ve been through the pain are still feeling the pain and you feel very gun shy about it, right? Yeah. Yeah. Um, and you also start thinking, well, 30 to 40% discounts. Uh, you know, this, this is, this sounds very scary, but in, in reality, I, I’m trying to get people to understand that, that those discounts only last for so long, right? I mean, that if you look at like the, the debt. That’s out there. Most of that really bad debt washes away at the end of this year. At 2026. Yeah. After that, like those 30 to 40% discounts that like people are hearing so often, they’re not gonna be there anymore. No, that’s, and what I, and what I hate to see is people wait two or three years from now and all of a sudden there’s a frothy market and everybody’s jumping on the bwa. ’cause that’s what they always do. That’s not, you wanna be a net seller in that market. That’s right. And, and you know, it’s like you mentioned Warren Buffet’s famous quote, be greedy when others are fearful and fearful when they’re greedy. And, and so right now they’re fearful, which is making harder to raise money. And I’m, I’m having the same conversations. It’s like, Hey, if there was ever a time, it’s right now and now. Now the key, now the key. Differentiator or key factor is it’s all about cash flow. You know, like I said, that that deal at 43 is down to 28. 28 still doesn’t make sense for me. So it’s all about cash flow. And so, you know, I wrote a bestselling book. I’ll brag about, hang on, I’ll show it here. It’s called How to Create Lifetime Cash Flow through Multifamily Properties. The reason I bring this up is the subtitle is The New Rules of Real Estate Investing IE The new rules is it’s all about cash flow. I don’t, you know, I can brag about what you, you know, the discounts you can buy a property for, but it, it’s all about the numbers. It’s got a pencil, it, so cash flow is king. Um, so would you agree with that? Oh, a hundred percent. No. The interesting thing is though, that like, that’s a, that’s actually in real estate. That’s a principle I think a lot of people had, and I think what ends up happening is when the market gets frothy, you kind of skip that step, right? Because then what you’re, then what happens is that the market becomes so competitive that you’re trying to project, okay, I can get this from here to here and I can make it cash flow pretty quickly. And that’s when it gets dangerous, right? Yeah, yeah. Because listen, when Mark, when, when, when rates were, were as low as they were, you could do that. Now what? As soon as they started accelerating, well then you just got behind and, and you, you couldn’t catch up. And that’s kind of what happened. No, that’s it. And the expenses. Yeah. Yeah. They, the business about this market though, and maybe you can get some perspective on this, is what happens. You’ve experienced multiple real estate cycles and one of the opportunities that real estate investors have had throughout the decades is investing in a market where interest rates start to fall. What happens? Well, what happens is, is, is, is, is values As values go up, you know, and here’s the other thing, you know, uh, uh, with inflation, inflation’s not going away. And when you buy a property, the debt’s locked unless you do the adjustable rate thing. But if, if you get a normal, a normal mortgage. The, the rent, the debt is locked, but your, your interest, your rents are gonna continue to climb here. They’re going up, they’re gonna keep going up. And, you know, and, and of course the value of, of what we do is based on a multiple of the net income, the NOI, the net operating income. So any increase of the rents is gonna go to the bottom line. And, and so your values are gonna go up. So again, incredible opportunity to get into this real estate now. With the debasement of the US currency, with with, with all the money they’re printing and everything else, you’re, you’re seeing incredible rises in, in hard assets like gold, silver, of course, we saw a crash in Bitcoin ’cause it’s ethereal, it’s air, but, but real estate, uh, is, is you look at it over, over, you know, 50 years and, and it only goes one direction. It has some dips, but it continues to go one direction. And, and so, you know, I, I love real estate. I always have and. And, and always will. And so, you know, that’s why I teach it, you know, I do, I teach multi and I now teach multiple asset classes. I just taught multifamily for a long time, but now I teach pretty much every asset class and I’m, yeah. So what’s, uh, housing too? Yeah. Tell us a little bit about senior housing and um, yeah, what you’re doing there. I, I, I’ve only purchased one assisted living facility so far, but my students, my God, I can’t even count how many assisted living facilities and memory care units they have. But I, I’m, I’m gearing up. I have a whole team doing it. Uh, we’re cold calling and, and, and the, the, the out, the goal is. Is, uh, uh, 12 units in the next 18, I’m sorry, 12 separate facilities in the next 18 months. And we’re growing up to do that. Uh, we’ve got a ton of interest. And here’s the, here’s the reason why they call it the silver tsunami. There’s, there’s six, 10,000 people a day turning 65, and it goes forever. And it seems like forever. I mean like literally a over a decade and. And again, um, you know, those people. Uh, so there’s a lot of opportunity with that. There’s an opportunity to buy businesses as well. A lot of ’em wanna retire and own businesses, so there’s an opportunity there. But, but, um, in senior housing, there’s, there’s a huge shortage of beds. And, and I’m quite candidly, I’m not sure we’re gonna be able to match the need in the shortage of beds, but there’s a huge shortage of beds and, and so, um, you know, and to build new. The about the least you can build a place for is $200,000 a bed. Well, there are facilities that got crushed by COVID where you can buy. Facilities for sub a hundred dollars a bed. So there’s, there’s a, there’s an opportunity there that we’re capitalizing on. It’s very exciting. Uh, that won’t be around there a lot of, is there a lot of competition from, you know, big money institutions, that kind of thing in this space that are sort of pushing prices up? Because I would think if they would have to, yeah. Yeah. I would think they would have the same sort of thesis overall. So the larger facilities, yes. The, you know, I, I’m not doing the, the 200 bed facilities, you know, I’m in the 50 to a hundred range, you know, uh, kind of the mom and pop range as it were. Uh, and. So, at least to start, I mean, at some point I’ll compete with the larger ones, but we’re starting there and, and there’s just an incredible opportunity to, to get to, and the returns are fantastic. I mean, we’re seeing 15% cash on cash, 25% IRR, realistically not BS returns. And so, you know, it’s very exciting, honestly. And, and, and, and, and again, it’s got legs. It’s not going anywhere. It’s not like one of these things that’s cyclical. There’s, there’s the, these people are retiring. They’ve impacted everything from Pampers diapers to suburbia, and they’re gonna impact, you know, senior housing in a big way. So, um, you know, it’s, it’s that, that’s exciting. Yeah. I got crushed by that wave in 2008. I got crushed by that wave. I’m surfing this wave. Yeah, yeah. Yeah. Good for you. So tell us, you know, a little bit more about how people can get involved. It sounds like you got a lot going on there. So tell us about Well, I, I, I teach, you know, I teach this stuff. I have, I’ve had, I dunno, upwards of 20,000 people attend my bootcamps by the way. Really never had a complaint except that the breaks are too short. ’cause I, I packed three days into two days, but I teach this business and soup to nuts, how to find deals, how to pick a market, how to pick a team, how to underwrite them, how to finance them, how to raise all the money for them, on and on. And so if you go to Rods. links.com. That’s my link tree. That’s where my goal setting workshop is. If you want to do your goals, do it there. But, uh, if you come to my bootcamp, that’s the first thing we do. Uh, ’cause I, I need to have you get very focused on what you want. But, um, you know, it’s two days of training. I don’t sell anything and you can come for $47. So tell me your excuse. Okay? And the bonus, the bonuses are thousands of dollars. You get my deal evaluator software, my document library. You get all this stuff. And you know, and candidly, if you come to the bootcamp and. On Monday, you decide it wasn’t worth it, you didn’t love it. I don’t mean like it, I mean, love it. I’ll give you your 47 bucks back. It’s never happened, but it’s first time for everything. So, yeah, no, I, I, I love what I do. It comes out and what I do, and I, I spend time on mindset too, because again, that’s 80 to 90% of it. That’s why my students are so freaking successful. They actually do it. Um, and so. I, I, I really love it, and that’s where I’ll continue to do it. So I’m, I’m doing one of these virtual events pretty much every month and a half. I’ve got one coming up, I don’t know when this’ll air. I’ve got one coming up in March, March 7th and eighth, and there’ll be one, you know, 60, 45, 60 days after that. So, yeah. Fantastic. Rod, thanks so much for being on the show today. Oh, I appreciate it. I appreciate it. Uh, thank you. And, and again, it’s Rod’s links or text links to 7 2 3 4 5. Matt, thanks. Thanks for having me on. Buck, it’s great to see you again. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s. Called Wealth Accelerator and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. We talked about a lot of things, but I think the mindset step is really important. So if you’re one of those people. Who is worried about, you know, a time in your life right now, or that that things aren’t going well? Things can turn around really quickly. You just gotta have some, you know, you gotta have the right mindset. You gotta have the right goals. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey sign now. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Welcome to the Grace in Focus podcast. Bob Wilkin and Ken Yates are answering another question related to forgiveness. Will God judge us for sins He has forgiven? When we […] The post How Can God Judge Us for Sins He Has Forgiven? appeared first on Grace Evangelical Society.

When people hear the word culture, they often think of something abstract. Something owned by HR. Something written in a values statement or talked about at the annual offsite. But culture isn't built in theory. It's built in the everyday moments. In how a manager starts the day. In how they respond under pressure. In what they model, reinforce, ignore, and repeat. Because whether they realize it or not, people managers are shaping culture every single day. My special guest today is Andre Young, and he's simplifying how to build a strong culture as a people manager. Here's how. My special guest today is Andre Young and he's simplifying how to build a strong culture as a people manager.  We tackle and simplify all aspects of it, including: How culture actually gets built day-to-day by people managers, not just by HR or senior leadership. What the "5 Points of Your Day" framework is, and why it matters so much for managers leading people. What are you consuming when you wake up? Does it make you bitter or better? Organize your day and your calendar. Track and write down your 'wins' at the top of your to-do list. Focus on relationship building and self-care today. Put you in your calendar, to fill your own cup. How we return home after work is everything. Show up at home how you expect your employees to show up at work every morning: engaged, present, and glad to be there. At night, ask yourself and your closest person: What was my biggest accomplishment from today? Listen with intention. How this framework helps managers stay steady and consistent, especially on stressful or chaotic days, keeping you: Positive Passionate Productive Why leaders need to examine the integrity of what they're offering their teams — and how to tell if their behavior is helping or hurting the culture they want to build. And why personal leadership matters so much, because whether you're at work or at home, you're always role-modeling behavior, through: Communications Connection Culture Q: Are you ready to learn how to build a strong culture as a people manager? If yes, this one is for you. It's time to #DoTheThing! ---- Show notes available with all links mentioned here:https://www.thesimplifiers.com/posts/413-how-to-build-a-strong-culture-as-a-people-manager---with-andre-young

This week, our guest is Anthony Pugliese, President and CEO of the Institute of Internal Auditors.   Anthony joins the show as he approaches his five-year anniversary leading the IIA, reflecting on the major milestones and progress the organization has made during that time. He shares a look back at key initiatives from the past five years and discusses what the next phase could look like for the profession.   We also talk about several recent research efforts, including the 2026 Risk in Focus survey and the joint report with AuditBoard on AI driven fraud. Anthony highlights a few key trends auditors should be watching, particularly as organizations navigate emerging technology risks and evolving expectations around governance and oversight.   Finally, Anthony explains two initiatives aimed at strengthening the future of the profession: the Global Audit Committee Center, which supports stronger engagement with audit committees, and VisionU, a development program designed for new and aspiring chief audit executives.   Be sure to connect with Anthony on LinkedIn. 6:02 - AI Tips 11:03 - 5 Years as IIA President 14:32 - Strategy and the New Internal Audit Standards 14:32 - Why "Simple" Implementations Rarely Actually Simple 17:40 - Key Insights from Risk in Focus 2026 and the AI Fraud Report 21:50 - AI Literacy and Training in Internal Audit 24:26 - The Audit Committee Center 27:54 - How to Join the Audit Committee center 33:25 - Experienced CAE resources 35:35 – Final Thoughts 38:26 - Best advice for CAEs from Anthony Pugliese   Be sure to connect with Mark on LinkedIn. Also, be sure to follow us on our social media accounts on LinkedIn, Instagram, and TikTok.   Also be sure to sign up for The Audit Podcast newsletter and to check the full video interview on The Audit Podcast YouTube channel.   This podcast is brought to you by Greenskies Analytics, the services firm that helps auditors leap-frog up the analytics maturity model. Their approach for launching audit analytics programs with a series of proven quick-win analytics will guarantee the results worthy of the analytics hype.    Whether your audit team needs a data strategy, methodology, governance, literacy, or anything else related to audit and analytics, schedule time with Greenskies Analytics.

What if the reason your visual schedule isn't working… isn't because the child "doesn't respond to visuals"… but because the symbols you chose aren't meaningful to them yet? In this episode, we'll explore something that often gets overlooked in conversations about visual schedules: symbol selection. Because not all pictures are created equal. We talk through the continuum from less abstract to more abstract symbols, how to recognize when a symbol isn't connecting, and how to adjust in ways that increase clarity instead of frustration. This isn't about making your visuals look better. It's about making them meaningful. In This Episode, You'll Learn • Why symbol selection is just as important as schedule length • The continuum from functional objects to written words • Why some clipart icons are more abstract than we realize • Signs that a symbol may not yet be meaningful to a child • When to shift from line drawings to real photographs • When functional objects can act as both a symbol and a transition bridge • The difference between miniature objects and functional objects • How to use baskets or containers for object-based schedules • How to gradually move along the abstraction continuum • Why observation is your most valuable data point Key Takeaways • A visual schedule only works if the child understands what the symbol represents • "They don't get visuals" often means the symbol is too abstract • Real photos reduce abstraction and increase familiarity • Functional objects can reduce the gap between "what's next" and "what do I do" • It's okay to mix clipart, photos, and objects • Symbol selection is a process, not a one-time decision • Meaning matters more than aesthetics • When symbols are meaningful, transitions soften and anticipation grows Try This • Observe whether the child orients to the schedule without prompting • Notice if they can match the symbol to the location or activity • If clipart isn't connecting, try a real photograph of your actual classroom space • If photos still feel abstract, experiment with a functional object • Increase picture size if a child isn't visually attending • Focus on meaning over uniformity Small adjustments in abstraction can completely change how a schedule functions. Related Resources & Links Autism Little Learners Membership: www.autismlittlelearners.com/pod Visual Schedules Made Easy Course Visual Schedules: Choosing The Symbols And Length Using A Visual Schedule At Preschool: 3 Types To Promote Independence! Visual Supports Starter Set  This episode isn't really about clipart versus photos. It's about access. If the symbol isn't meaningful, the schedule can't reduce anxiety. It can't increase independence. It can't support smoother transitions. But when the symbol clicks — when it truly represents something familiar and concrete — you'll see it. They'll glance at it, carry it, and anticipate what's coming next. It's not about making visuals prettier. It's about making them meaningful.  

Each year, the March Madness NCAA basketball tournaments remind us of valuable lessons as it relates to leadership, team cultures, belief, strategy and execution. Jason explores the intersection of high-stakes athletics and organizational health, revealing how the drama of the "Big Dance" provides a blueprint for building championship-caliber teams. Please rate and review the podcast to help amplify these messages to others! Summary: Every March, the world stops to watch underdogs topple giants and teams achieve the impossible. But if we only see the basketball, we miss the masterclass in corporate culture and leadership in teams happening right in front of us. In this episode of The Thermostat, Jason V Barger deconstructs why the most talented rosters often flame out while "connected" teams advance. In an era of transactional recruiting and high-priced talent, March Madness serves as a powerful reminder that culture—not just capital—drives sustainable performance. Jason identifies the five critical elements that allow teams to thrive under immense pressure: unwavering belief, visible connection, proactive responses to adversity, agile execution, and intentional leadership. Essential listening for C-Suite executives, managers, and anyone leading a group through "madness," this episode offers a strategic framework for calibrating your team's thermostat. Learn how to foster a spirit of shared ownership and why "being in the dance" is the first step to an extraordinary breakthrough. Episode Notes & Timestamps: [00:00] Intro: Jason welcomes listeners to Season 10, setting the stage for a conversation on the universal leadership lessons found in the greatest three weeks in sports. [00:03] The CBS Jingle: A look at why March represents hope, camaraderie, and the annual reminder that any team can accomplish something exceptional. [00:06] Talent vs. Culture: Why the most expensive rosters don't always win and how "transformational recruiting" creates teams that play better together than they do individually. [00:08] The "In the Dance" Mindset: A discussion on opportunity and possibility. If your team has a seat at the table, they have the potential to advance. [00:09] Element 1: Unwavering Belief: The foundational role of shared conviction. Jason highlights historical "Cinderella" stories as case studies in the power of collective belief. [00:10] Element 2: Visible Connection: How to spot a winning culture through body language, role clarity, and a unified mission. [00:11] Element 3: Owning the Stumble: A look at how elite teams handle adversity without finger-pointing or blame, choosing instead to stay calm in the chaos. [00:12] Element 4: Preparation & Agility: The intersection of a solid plan and the ability to execute adjustments in real-time. [00:13] Element 5: Setting the Temperature: How leaders use gratitude and focus to bring out the best in others during high-pressure moments. [00:15] Selection Sunday & Scouting: Jason shares his passion for the game and invites listeners to connect on social media for deeper bracket analysis and culture-building tips. Key Takeaways for Leaders: Reciprocal Accountability: Build a team where everyone owns the outcome, especially when the "bounce of the ball" doesn't go your way. Transformational Culture: Move beyond transactional management. Focus on how your "best five" can play together, rather than just acquiring five "best individuals." Calibrating the Response: Train your team for adversity so that when the "madness" arrives, your collective response is proactive rather than reactive. Listen to the full episode and access show notes at: https://jasonvbarger.com/podcast/top-lessons-march-madness/ Bio: Jason Barger is a husband, father, speaker, and author who is passionate about business leadership and corporate culture. He believes that corporate culture is the "thermostat" of an organization, and that it can be used to drive performance, innovation, and engagement. The show features interviews with business leaders from a variety of industries, as well as solo episodes where Barger shares his own insights and advice. Connect: Subscribe to our channel: https://www.youtube.com/@JasonVBarger Make Your 2026 Effective! Book Jason with your team at https://www.jasonvbarger.com Like or Follow Jason

You invest in your team. You send them to training. You coach them. You expect them to grow.But let me ask you something — when was the last time you invested in you? Not for optics. Not for a keynote. Not because someone told you to. But because you wanted to elevate your game. I see a lot of senior levels plateau because they stopped working on themselves.Businesses evolve. Markets shift. Responsibilities increase.If you don't evolve at the same pace…the business will outgrow you. And so will your influence. Today, I want to talk about the skill most leaders neglect – and why it's costing them more than they realize. Let's dive in.> Links mentioned within

Yinz Are Good shares the good stuff, the good news, going on out there and celebrates all the good people who are making it happen: The people who are lifting others up, who are taking care of their neighbors, the people who unite us and who remind us that we are all a lot more alike than we are different. One of our goals has always been to provide a space to hear each other's stories - and, more specifically, the parts of our stories that we don't usually get around to sharing. The “why” behind who we are and what we do. The struggles, the light bulb moments, the heartache, the accomplishments, the joy…Because this is what connects us - this is how we see ourselves in one another. And when we see ourselves in others, the world begins to change. Today's conversation encompasses all of this. De'Netta Benjamin-Miller  is a licensed clinical social worker, she provides free mental health services to the community through her own company, Focus on Life Counseling Center, and she is Executive Director of Sojourner House and Sojourner House MOMS. In a nutshell, Sojourner House provides compassionate recovery services for mothers and their families. And the “and their families” is what truly sets them apart, as you'll hear. As you may imagine, this conversation discusses trauma, and De'netta candidly shares her own traumatic experience and how it led her to the powerful work she's doing today.Sojourner House: https://www.sojournerhousepa.org/Sojourner House's Victorian Tea:March 22nd, 2026/Windham Grand Pittsburghhttps://secure.qgiv.com/event/2026victoriantea/Focus on Life LLC: https://denettabenjamin7710.clientsecure.me/

Outdoor adventurer, Bear Grylls, shares his faith journey, overcoming challenges, and about the most exciting and difficult project of his life - writing about The Greatest Story Ever Told - the Gospel of Jesus Christ. Receive a copy of The Greatest Story Ever Told and an audio download of "A Fresh Look at Faith and the Gospel with Bear Grylls" for your donation of any amount! Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

Ornette Coleman's The Shape of Jazz to Come (1959) may be the most controversial album in jazz history, and one of the most important.In 1959, a broke musician from Fort Worth, Texas arrived in New York City with a plastic saxophone and a band that didn't play by the rules. And EVERYONE had an opinion about it.Jazz legends hated it. Miles Davis said Ornette was "all screwed up inside." Max Roach punched him in the mouth. Dizzy Gillespie said Ornette's music wasn't even jazz. Meanwhile, Leonard Berstein and John Coltrane celebrated him.So what exactly is The Shape of Jazz to Come, and why was it so radical? Jazz pianists Peter Martin and Adam Maness break down every track, from "Lonely Woman" to "Chronology". They dig into harmolodics, free jazz, and how Ornette shaped everyone from Miles Davis (who eventually came around) to the '80s burnout crew, including Wynton Marsalis, who personally recommended this record to Peter.Dig into The Shape of Jazz to Come with us, and learn why this soft spoken saxophonist inspired both criticism and awe.-------------------------------Start your free Open Studio trial for ALLLLL your jazz lesson needs:https://openstudiojazz.com/yhi-------------------------------Related You'll Hear It episodes:Mingus Ah Um: https://youtu.be/XYeRZ0Awui4Giant Steps: https://youtu.be/8umC2yZlPHcKind of Blue: https://youtu.be/ShzSnjP8bSgTime Out: https://youtu.be/-_qPhFSJeQUNina Simone at Town Hall: https://youtu.be/2PDjN5_2y5Q-------------------------------About You'll Hear It:In this popular music series Adam and Peter break down the greatest albums of all time. Stevie Wonder, Michael Jackson, Joni Mitchell, D'Angelo: Jazz is the foundation of the most GENIUS music in recent history. These seasoned jazz pianists bring their deep musical knowledge to every joyful episode to help you hear the hidden qualities that make music AMAZING. You'll never hear music the same way again.-------------------------------Sign up for the You'll Read It newsletter for little known stories about the artists you love:https://youllhearit.com/newsletter-------------------------------0:00:00 - Ornette Coleman's The Shape of Jazz to Come0:01:42 - 1959: A Pivotal Year0:03:06 - Ornette Coleman: The Backstory0:04:44 - Ornette's Earlier Sound0:06:18 - Lore of the Five Spot0:07:00 - "Lonely Woman"0:12:27 - Harmolodics Explained (Charlie Haden + Don Cherry)0:13:27 - "Eventually"0:14:42 - The '80s Jazz Connection (Wynton, Branford, Kirkland)0:17:21 - "Peace"0:23:50 - Ad: Open Studio0:24:57 - Mingus Said THIS About Coleman0:27:47 - "Focus on Sanity"0:29:40 - When Peter Played with Charlie Haden0:32:43 - Don Cherry's Kids: Neneh Cherry + Eagle-Eye Cherry0:34:22 - "Congeniality"0:36:28 - "Chronology"0:37:23 - Technical Technique vs. Artistic Vision0:42:13 - Categories: Desert Island Tracks, Apex Moments0:48:55 - You'll Read It Newsletter + Ambies

Why beliefs can either cap our potential or push us toward possibility.What you believe about yourself could be holding you back. Fortunately, Nir Eyal says beliefs aren't truths — and you can choose new ones.Eyal is a former lecturer at Stanford Graduate School of Business and the Stanford d.school, a celebrated author, and a renowned expert on human behavior and potential. His latest book, Beyond Belief, reveals how limiting beliefs — like “I'm a bad communicator” — quietly shape what we see, feel, and do. “A belief doesn't have to be true” to limit our potential, he says. But the same holds in reverse: a belief doesn't have to be true to expand who and what we can become. “Beliefs are tools, not truths. It just has to be useful.”In this episode of Think Fast, Talk Smart, Eyal and host Matt Abrahams explore how to identify the beliefs that hold us back — and how to replace them with ones that propel us forward. From keeping a belief journal to practicing perspective-shifting “turnarounds,” Eyal offers practical tips for rewriting the stories we tell ourselves and becoming the people we want to be.To listen to the extended Deep Thinks version of this episode, please visit FasterSmarter.io/premium.Episode Reference Links:Nir EyalNir's Book: Beyond Belief104. How to Change: Building Better Habits and Behaviors (And Getting Out of Your Own Way)115. Rethinks: How We Set and Achieve Goals  Connect:Premium Signup >>>> Think Fast Talk Smart PremiumEmail Questions & Feedback >>> hello@fastersmarter.ioEpisode Transcripts >>> Think Fast Talk Smart WebsiteNewsletter Signup + English Language Learning >>> FasterSmarter.ioThink Fast Talk Smart >>> LinkedIn, Instagram, YouTubeMatt Abrahams >>> LinkedInChapters:(00:00) - Introduction (02:45) - The Power of Attention (04:30) - The Hook Model & Surprise (06:55) - Structure vs. Novelty (08:50) - Identity & Limiting Beliefs (11:52) - Beliefs Vs. Facts (15:17) - The Four-Question Test (21:20) - The Final Three Questions (24:31) - Conclusion ********Thank you to our sponsors.  These partnerships support the ongoing production of the podcast, allowing us to bring it to you at no cost.Strawberry.me. Get 50% off your first coaching session today at Strawberry.me/smartJoin our Think Fast Talk Smart Learning Community and become the communicator you want to be. 

Author and business consultant Aaron Renn helps Christians understand the adversarial culture we live in and develop and practice strategies to be effective witnesses and culture influencers for Christ. He examines the decline of the culture since the 1960s and suggests different personal and corporate strategies in the church to effectively impact the culture for Christ – through establishing a positive identity and excellence in our lives. The world is shifting. Truth is under attack. Truth Rising, a new documentary from Focus on the Family and the Colson Center, reveals the crisis shaking faith, identity, and morality. But we can make a difference when we stand in God’s truth. Join the movement—watch now! Focus on the Family’s The Daily Citizen provides a faith-based perspective to counter the mainstream media’s anti-Christian bias. The publication exists to provide timely, relevant analysis of current events and cultural trends all from a biblical worldview. SUPPORT REFOCUS! GIVE HERE! Send your feedback or questions to Jim in the Contact Form.

In this episode of the Beautifully Broken Podcast, I'm joined by neuroscientist Ramona von Leden for a deep dive into brain health, light therapy, and the intersection of science and wellness technology. Ramona works with Neuronic as a scientific advisor and brings a background in neuroscience research, clinical trials, and neuroinflammation. We explore how near-infrared light can penetrate the skull and influence brain cells, supporting mitochondrial activity, vascularization, and cellular energy production. Ramona explains how photobiomodulation works at the cellular level, why wavelength matters, and how the Neuronic helmet was designed specifically to target brain tissue rather than just the skin. We also talk about the bigger picture: why neurodegenerative diseases like Parkinson's and ALS are on people's minds, how sleep plays a massive role in brain repair, and why foundational health habits like breathing, sunlight exposure, and movement, still matter more than any single device. This episode is ultimately about balance: combining foundational health practices with cutting-edge tools that can support cognitive performance, resilience, and long-term brain health.   Episode Highlights [00:00] – Ramona explains the long-term goal of Neuronic: developing the first light therapy device cleared for neurodegeneration. [01:04] – Ramona introduces her background in neuroscience, yoga teaching, and working with neurotechnology startups. [04:12] – The concept of “health fluence” and the responsibility of sharing wellness tools and technology. [10:14] – Addressing skepticism: can near-infrared light actually penetrate the skull and reach the brain? [13:21] – Understanding the Neuronic protocols: Glow, Focus, and Peace—and how different pulse frequencies influence brain activity. [18:03] – The physics of light: how wavelengths determine tissue penetration and why 1064–1070 nm is used for brain photobiomodulation. [29:29] – What the research shows so far: improvements in attention, memory, sleep quality, and depression scores. [37:17] – Who benefits most from the helmet—aging adults, sleep-strugglers, and people seeking cognitive support. [43:50] – When light therapy may not be appropriate, including active cancer considerations. [50:45] – Why breathwork, movement, and circadian habits still matter more than any device. [59:00] – Tools vs foundations: using biohacking technology to support—not replace—daily health practices.   Links & Resources Neuronic Light Therapy Helmet → https://www.neuronic.online/ — Use code: BEAUTIFULLYBROKEN The Biological Blueprint Program: https://www.beautifullybroken.world/ Get Silver Biotics: bit.ly/3JnxyDD — 30% off with Code: BEAUTIFULLYBROKEN StemRegen: stemregen.co/products/stemregen?_ef_transaction_id=&oid=1&affid=52 — Code: beautifullybroken CONNECT WITH FREDDIEWork with Me: https://www.beautifullybroken.world/biological-blueprintWebsite and Store: (http://www.beautifullybroken.world) Instagram: (https://www.instagram.com/freddie.kimmelYouTube: https://www.youtube.com/@beautifullybrokenworld Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What do you do when God starts leading you somewhere you've never been before? Pastor John F. Hannah challenges us to shift our focus and follow the glory of God. Because when God's glory shows up, everything changes. Provision appears. Promises are fulfilled. Power is revealed. But carrying God's glory requires you to stay fortified, focused, faith-filled, and firm. If you're believing for breakthrough, you don't need every detail. You just need the courage to step forward in faith. So, when God calls you into something new, don't shrink back. Focus on His glory and experience what only He can provide. Message: “Focused on Glory” Scripture: Joshua 3:1-4 (NIV) Speaker: Pastor John F. Hannah Date: March 8, 2026 ✨ Welcome to Your Moment of Transformation You don't have to walk this journey alone. Let Jesus guide your steps and fill your life with purpose and peace.