Podcasts about Focus

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

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.

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.

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.

How do we help our teens stay hopeful when life is hard? In this episode, I talk with psychologist and optimism expert Dr. Deepika Chopra, author of The Power of Real Optimism: A Practical Science-Based Guide to Staying Resilient, Curious, and Open Even When Life Is Hard. We explore the difference between toxic positivity and real optimism, and why trying to cheer our teens up when they're upset often backfires. Dr. Chopra explains that real optimism doesn't deny hard feelings—it helps teens learn how to move through them. We also discuss why teens need validation before solutions, how parents can unintentionally fall into pessimistic thinking about their kids, and how shifting our language and mindset can help teens build resilience and confidence. Dr. Chopra shares practical ways parents can help teens develop optimism as a skill—by reminding them that emotions are temporary, helping them collect evidence of their strengths, and modeling optimism in our own lives. This conversation will encourage parents who may feel discouraged with their teen and remind them that hope and growth are always possible. 3 Takeaways for Parents 1. Validate feelings before fixing the problem. Teens aren't looking for us to immediately cheer them up or solve their problems. They want to feel heard, understood, and safe expressing their emotions. 2. Optimism is a skill—not a personality trait. Teens can learn optimism by recognizing that difficult feelings are temporary and by remembering past challenges they have overcome. 3. Focus on strengths, not just problems. When parents constantly focus on what their teen is doing wrong, it can shape how both the parent and the teen see them. Looking for evidence of strengths helps teens build confidence and resilience. Learn More at: https://www.drdeepikachopra.com/ Follow at: https://www.instagram.com/drdeepikachopra/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Grace in Focus podcast. Today, Bob Wilkin and Ken Yates are answering a question from 1 Peter 2:1. It states, “There will be false teachers among you.” […] The post Does 2 Peter 2:1 Say There Will Be False Teachers Among Believers? appeared first on Grace Evangelical Society.

Listen to two full hours of soft rain falling steadily on a calm rooftop. Each drop taps and rolls in a slow and steady rhythm, creating a peaceful soundscape that helps you sleep, study, or focus. The rain moves gently across the roof, forming a natural white noise that blocks out distractions and quiets a busy mind. Perfect for deep sleep, relaxation, meditation, and concentration, this soothing rain recording brings the cozy feeling of being safe indoors while a calm storm passes outside. Close your eyes, breathe slowly, and let the steady rooftop rain guide you into rest and clarity.Become a supporter of this podcast: https://www.spreaker.com/podcast/asmr-rain-recordings--5347561/support.Lose the AD intros by becoming a subscriber!https://www.spreaker.com/podcast/asmr-rain-recordings--5347561/support

TRUTH: You are not low capacity…or high capacity.You have 24 hours. Just like every other woman on the planetThe difference isn't capacity. It's order.And today, I'm taking a stand on a myth that keeps coming up in my conversations with busyness owners—The myth that some women are just “high capacity”… and the rest just aren't wired that way.Nope. Not on my watch.Today we're gonna talk about what actually determines capacity — and how you can expand yours without adding a single hour to your day.YOU. HAVE. TIME. LissaP.S. Come join the conversation inside the REDEEM Her Time Community redeemhertime.com/communityP.P.S. Wanna supernaturally scale your results? Binge the Scaling Secrets of the Top 1% to discover the secret to productivity is not in your to-do list and how one simple shift can double your results. Walk away with more margin, less to-do's and exponential growth! (I'll share the secret to 10,000% productivity increase…no that's not a typo!) https://redeemhertime.com/hoursP.P.P.S. Better yet, come join me inside CEO Focus to scale up your results (aka reach + revenue) in just 12 weeks! Let's get you more leads, sign more clients, create more cashflow...and SCALE this business God put on your heart! https://redeemhertime.com/focusP.S. Come join the conversation inside the REDEEM Her Time Community redeemhertime.com/communityP.P.S. Wanna supernaturally scale your results? Binge the Scaling Secrets of the Top 1% to discover the secret to productivity is not in your to-do list and how one simple shift can double your results. Walk away with more margin, less to-do's and exponential growth! (I'll share the secret to 10,000% productivity increase…no that's not a typo!) https://redeemhertime.com/hoursP.P.P.S. Better yet, come join me inside CEO Focus to scale up your results (aka reach + revenue) in just 12 weeks! Let's get you more leads, sign more clients, create more cashflow...and SCALE this business God put on your heart! https://redeemhertime.com/focus

Struggling to understand your child's ups and downs? This episode uncovers what's really driving your dysregulated child's meltdowns, anxiety, and focus struggles, giving parents clear insight and tools from Dr. Roseann Capanna-Hodge, expert in Regulation First Parenting™ and childhood emotional dysregulation.Many parents ask, what's really driving your dysregulated child's meltdowns anxiety and focus struggles? The answer isn't bad behavior. It's a stressed nervous system stuck in survival mode.I unveil The Dysregulated Kid, my parenting playbook rooted in nervous system regulation. After three decades as a mental health professional, I want to emphasize: we must stop chasing separate labels and start calming the child's nervous system first.Why does my child have meltdowns, anxiety, and focus problems all at once?Parents are often told these are separate issues—ADHD, oppositional defiant disorder, anxiety, mood swings. But what if your child's meltdowns, emotional dysregulation, and focus struggles are signals from the same activated child's brain?When stress hormones stay elevated, the nervous system shifts into fight or flight mode. The amygdala goes on high alert, and the prefrontal cortex—the part responsible for impulse control, problem solving, and emotional regulation skills—goes offline.That's when you see:Emotional meltdowns over small requestsSensory overload and strong feelingsPoor impulse controlDifficulty starting tasksPublic meltdowns that feel confusing and exhaustingIt's not defiance. It's a child whose nervous system is overwhelmed.What's happening in my child's brain during intense meltdowns?During childhood meltdowns, stress hormones like cortisol surge. In sympathetic overdrive, your child cannot access coping skills or manage emotions effectively.Meltdowns happen when the nervous system loses flexibility. The brain gets stuck in survival mode. Over time, ongoing stress creates patterns of chronic stress that won't resolve without intervention.Signs your child may be overstimulated:Intense reactions and emotional outburstsTrouble settling at nightRigidity and control battlesAnxiety loops and worrySigns of an understimulated pattern:Shutdown or avoidanceSchool refusalMood stabilizers not improving focusProcrastination or appearing “lazy”Both patterns are nervous system issues—not character flaws.If you're not sure whether your child is stuck in an over- or under-stimulated pattern, Quick CALM can help you figure it out fast. Why doesn't discipline or medication fix emotional dysregulation?Many children are treated with pressure, punishment, or medication when behavior escalates. But treating overstimulation with discipline increases stress. Treating underactivation with pressure deepens withdrawal.Stress worsens emotional regulation and emotional resilience. It impacts learning, self regulation, and even long-term mental health.I want to remind parents:This is a capacity issue, not a compliance issue.You must lower stress before layering skills.Nervous system regulation comes before behavior change.You can't teach regulation skills to a child whose brain is in fight or flight mode.If you're tired of walking on eggshells or feeling like nothing works…Get the FREE Regulation Rescue Kit and finally learn what to say and do in the heat of the moment.Become a Dysregulation Insider VIP at www.drroseann.com/newsletter and take the first step to a calmer home.How can I help my dysregulated child calm down?Let's calm the brain first.Practical proactive strategies include:Deep breathing and breathing exercises togetherGentle pressure and deep pressure hugsRhythmic movement or physical activityCreating a quiet space during challenging momentsConsistent routines and clear expectationsModeling remaining calm with a calm voiceWhen a meltdown occurs:Take a deep breath yourselfLower demands temporarilyOffer sensory integration toolsFocus on connection before correctionYour regulated presence helps your child calm. When you regulate your own nervous system, you help children develop emotional regulation skills.

Welcome to a new episode of ASMR Sleep Recordings. In this episode, you will hear the rain quietly falling on a tent. Improve your health and happiness.The sound you hear in this episode creates a calm atmosphere and at the same time blocks out disturbing noises. This will help you de-stress, unwind, and rest. Enjoy two hours of relaxing sounds to help you relax, focus, study and fall asleep.About ASMR Sleep Recordings:The purpose of ASMR Sleep Recording is to help you sleep and concentrate better. This particular episode lasts two hours and has no ads in the middle, so you won't be woken up or disturbed while focusing or relaxing. When you listen to ASMR Sleep Recordings, you can lock your phone, so you won't get any bothersome stimuli from notifications and other sounds from your phone. You can switch between apps while studying or working without pausing the ambient sound.About our sounds:Water creates a natural white noise. Infused with the relaxing quality of nature and the sound-masking properties of white noise, listening to running water is an ideal way to turn off all the stressful things life brings, and to de-stress. Some of our most popular sounds include a river, flowing creek, babbling brook, gentle waves on a lake, and a bamboo fountain. Rain also creates a natural white noise. Infused with the relaxing quality of nature and the sound-masking properties of white noise, listening to rain is an ideal way to switch off all the stressful things life brings and to de-stress. Some of our most popular sounds are rain on an umbrella, hailstorms, hard rain, soft rain, gentle rain, wind and rain, rain on a car.White noise helps babies and children to get a better and deeper night's sleep. This is because external sounds are masked by the noise. With white noise in the background, your child will not hear annoying cars driving by or dogs barking in bed. This allows your little one to sleep better. And it also saves you as a parent a lot of hours!Pink noise is more common in nature than you might expect. It can be compared to continuous rainfall or wind. In addition to white noise, pink noise is also increasing in popularity, especially in business environments. Because it can increase productivity, concentration and creativity.Brown noise can be compared to waves of the sea, a river current, strong winds or the sound of thunder during a storm. Like pink noise, brown noise is very similar to white noise. However, the frequencies have been lowered even further and a lot more concentrated. This gives it a rougher/coarse tone than pink noise. It sounds a bit deeper and a bit bass-like. The benefits of brown noise are the same as the other types of noise. It provides relaxation, increased focus and improved deep sleep.DISCLAIMER: Be aware that loud noises can damage your hearing. If you can't carry on a conversation without raising your voice while playing one of our spheres, the sound may be too loud for your ears. Do not place the speakers directly next to a baby's ears. If you have trouble hearing or ringing in your ears, stop listening to the white noise immediately and see an audiologist or your doctor. The sounds provided by ASMR Sleep Recordings are for entertainment purposes only and are not a treatment for sleep disorders or tinnitus. Consult your doctor if you regularly have severe sleeping problems, experience fitful/restless sleep or feel tired during the day.ASMR Sleep Recordings is the white noise and nature sounds podcast to help you sleep, study or soothe a baby. ASMR Sleep Recordings has uploaded more than 400+ episodes in the 4 years that the podcast has been online. You can listen to all episodes of the podcast on your favorite podcast platform. People use white noise for sleep, focus, sound masking or relaxation. This podcast has the sound for you, whether you're using white noise to study, to soothe a baby with cramps, to fall asleep, or to just enjoy a quiet moment. You don't need to buy a white noise machine if you can listen to these sounds for free.

In this episode, we sit down with Tui T. Sutherland, bestselling author of the Wings of Fire series, for a rich conversation about creativity, writing, world-building, empathy, and storytelling for young readers. Tui shares how play, curiosity, and even dogs can support focus and imagination, why world-building starts with better questions, and how writers can balance community feedback with their own creative vision. She also reflects on the role of empathy, diversity, and self-exploration in storytelling, offering practical insights for aspiring writers, educators, and anyone interested in how stories shape young minds. This conversation explores the creative process behind building immersive fictional worlds, developing memorable characters, and staying grounded in joy and curiosity while writing. Whether you are a fan of children's literature, interested in the craft of writing, or looking for inspiration around imagination and creative confidence, this episode offers plenty to take away. 00:00 How Dogs Support Creativity and Focus 02:40 World-Building That Makes Stories Feel Real 05:23 Balancing Reader Feedback and Creative Vision 07:56 Community, Empathy, and Representation in Storytelling 10:58 Writing as Therapy and Self-Exploration 14:30 Advice for Aspiring Writers 17:11 Imagining Worlds Through Play and Curiosity Resources Wings of Fire Series by Tui T. Sutherland — https://www.scholastic.com/teachers/authors/tui-t-sutherland/ Scholastic — https://www.scholastic.com/ Tui T. Sutherland on Twitter / X — https://twitter.com/tuitweets

1. Down And Out – Genesis 2. Smith & Wesson – The Swan Chorus 3. To The Ground – Tavananna (Prog Magazine limelight artist) 4. Chimera – Snarky Puppy 5. Interdimentional Garden Party – Phi Yaan – Zek 6. Hung Up – Mordecai Smyth 7. Cut And Run/Hawthorne White – Big Big Train 8. Focus […]

In this episode, Steve Fretzin and Leah Miller discuss: Run your law firm like a business, not a hobby Use accurate financials to avoid hidden risks and overpayment Track key metrics and benchmarks for people, operations, and marketing Leverage metrics to make strategic growth decisions   Key Takeaways: Long-term growth requires regular attention to financials. Cash in the bank is not a strategy; data should guide hiring, marketing, and operational decisions. Bad bookkeeping masks problems and can cost in taxes. Early investment in a bookkeeper or financial team yields high ROI and clarity. Monitor payroll, operating costs, and marketing spend as percentages of revenue. Focus on trends over time and adapt to what works for your firm. Financial data informs hiring, marketing, and process improvements. Treat new hires as investments, plan for cash gaps, and track time spent on business development for accountability.   "If you're not paying attention to the dollars and you're not operational decisions based on the finances, you are not going to have that long-term, sustained growth that you're looking for as a lawyer in a firm." —  Leah Miller   Check out my new show, Be That Lawyer Coaches Corner, and get the strategies I use with my clients to win more business and love your career again.   Ready to go from good to GOAT in your legal marketing game? Don't miss PIMCON—where the brightest minds in professional services gather to share what really works. Lock in your spot now: https://www.pimcon.org/   Thank you to our Sponsor! Rankings.io: https://rankings.io/ Lawyer.com: https://www.lawyer.com/   Ready to grow your law practice without selling or chasing? Book your free 30-minute strategy session now—let's make this your breakout year: https://fretzin.com/   About Leah Miller: Leah N. Miller, MBA, is the founder and CEO of Firmly Profits, a firm providing fractional CFO and bookkeeping services to law firms across the United States. Starting her career as a paralegal, Leah rose to become a firm administrator and CFO at a personal injury law firm in Fort Myers, Florida, where she recognized the need for law firm owners to gain confidence in their finances. Passionate about helping attorneys achieve financial clarity and sustainable growth, she now leads a team dedicated to offering expert financial guidance, process improvement, and strategic planning for firms of all sizes. Outside of work, Leah teaches paralegal courses and enjoys spending time with her husband and three daughters in sunny Southwest Florida.   Connect with Leah Miller:   Website: https://firmlyprofits.com/ YouTube: https://www.youtube.com/@LNMFinancialServices/videos LinkedIn: https://www.linkedin.com/company/firmlyprofits/ Facebook: https://www.facebook.com/people/LNM-Financial-Services/100091343407958/ Instagram: https://www.instagram.com/leah_lnm_financial/   Connect with Steve Fretzin: LinkedIn: Steve Fretzin Twitter: @stevefretzin Instagram: @fretzinsteve Facebook: Fretzin, Inc. Website: Fretzin.com Email: Steve@Fretzin.com Book: Legal Business Development Isn't Rocket Science and more! YouTube: Steve Fretzin Call Steve directly at 847-602-6911   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

CJ sits down with Marshall Hawks, a 20-year veteran of venture lending and author of Venture Debt Deals. They cover the real rules of thumb behind deal sizing, why lenders underwrite likelihood of raising again (not breakout outcomes), how banks and private credit differ, the three real sources of repayment, and how to actually run a venture debt process without blowing your legal budget.---SPONSORS:Tabs is an AI-native revenue platform that unifies billing, collections, and revenue recognition for companies running usage-based or complex contracts. By bringing together ERP, CRM, and real product usage data into a single system of record, Tabs eliminates manual reconciliations and speeds up close and cash collection. Companies like Cortex, Statsig, and Cursor trust Tabs to scale revenue efficiently. Learn more at https://www.tabs.com/runAbacum is a modern FP&A platform built by former CFOs to replace slow, consultant-heavy planning tools. With self-service integrations and AI-powered workflows for forecasting, variance analysis, and scenario modeling, Abacum helps finance teams scale without becoming software admins. Trusted by teams at Strava, Replit, and JG Wentworth—learn more at https://www.abacum.aiBrex is an intelligent finance platform that combines corporate cards, built-in expense management, and AI agents to eliminate manual finance work. By automating expense reviews and reconciliations, Brex gives CFOs more time for the high-impact work that drives growth. Join 35,000+ companies like Anthropic, Coinbase, and DoorDash at https://www.brex.com/metricsMetronome is real-time billing built for modern software companies. Metronome turns raw usage events into accurate invoices, gives customers bills they actually understand, and keeps finance, product, and engineering perfectly in sync. That's why category-defining companies like OpenAI and Anthropic trust Metronome to power usage-based pricing and enterprise contracts at scale. Focus on your product — not your billing. Learn more and get started at https://www.metronome.comRightRev is an automated revenue recognition platform built for modern pricing models like usage-based pricing, bundles, and mid-cycle upgrades. RightRev lets companies scale monetization without slowing down close or compliance. For RevRec that keeps growth moving, visit https://www.rightrev.comRillet is an AI-native ERP built for modern finance teams that want to close faster without fighting legacy systems. Designed to support complex revenue recognition, multi-entity operations, and real-time reporting, Rillet helps teams achieve a true zero-day close—with some customers closing in hours, not days. If you're scaling on an ERP that wasn't built in the 90s, book a demo at https://www.rillet.com/cjLINKS:Mostly Talent: https://mostlymetrics.typeform.com/to/cLTxtAsNMarshall: https://www.linkedin.com/in/marshallhawks/Marshall's website: https://www.marshallhawks.comCJ: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.comTIMESTAMPS:0:00 Preview and intro3:23 Marshall's background and the book4:47 Venture Deals as inspiration6:30 Companies Marshall has worked with6:49 The venture debt sweet spot8:01 Why venture debt follows equity raises10:55 The 25–40% rule of thumb12:08 AI companies and the limits of the rule13:58 Sponsors — Abacum | Brex | Metronome17:15 How lenders think vs. investors19:12 The three sources of repayment21:37 Venture debt and the AI boom23:52 Banks vs. private credit26:28 Sponsors — RightRev | Rillet | Tabs29:57 Private credit pricing and warrants33:04 Syndicated deals35:04 Legal timelines38:13 Who pays the legal bill?40:06 Why your GC shouldn't quarterback the deal41:30 What forecast to give your lender43:37 Reporting cadence45:57 Bad news should travel fast47:49 The Twitch case study50:19 Are we over our skis in 2026?54:50 Where to get Venture Debt Deals55:09 Credits

When time is limited—and it usually is in dental hygiene school—studying more isn't the answer. Studying with intention is. In this episode, Dana talks about evidence-based study strategies designed for dental hygiene students juggling full clinic days, coursework, and multiple exams. Focus your efforts where they actually count, without adding pressure or unrealistic expectations.Struggling on your dental hygiene school journey? Download our free guide to help you overcome your dental hygiene hurdles HERE!This episode is sponsored by StudentRDH. Check out all of their services to help you get ready for boards HERE.

Host: Annik Sobing Guests: Jennifer Varney (Volvo Group), Penny Chen (PAX) Recorded at: ICPA Conference, San Antonio, TX Published: March 2026 Length: ~25 minutes Presented by: Global Training Center AI Meets Trade Compliance: From Auto Supply Chains to AI Live from ICPA San Antonio, Annik sits down with Jennifer from Volvo Group and Penny from PAX for an all‑women, International Women's Day‑timed conversation about how AI is actually being used in trade compliance today—far beyond the buzzwords. They explore the reality of AI inside a massively complex automotive supply chain, how duty drawback is being reimagined with AI, and what trade teams should think about before buying or building any tools.​ What You'll Learn in This Episode Session highlights from ICPA Jennifer: Practical implementation of AI to support customs clearance at the enterprise level—how one company uses AI to survive an “ever‑changing and incredibly volatile” trade landscape. Penny: A “beginner‑friendly” intro to general AI tools, how large language models work, and how trade compliance leaders can evaluate AI quality and fit.​ The automotive reality: 1,000+ policy changes and thousands of parts In just the last year, there have been 1,000+ trade policy changes worldwide, affecting about 5 trillion dollars in spend. Most of the real impact comes from trade barrier changes, not facilitation measures. A single vehicle can have 2,000–3,000 parts sourced from thousands of suppliers globally, some in‑house, some external. New demands around Section 232 (steel/aluminum/copper), forced labor, EUDR, connected vehicle rules, dual‑use, etc. mean OEMs must know their supply base down to raw material origin and processing, sometimes 5–6 tiers deep.​ Why human-only workflows can't keep up Many tier‑1 suppliers don't even have the data OEMs now must report, or consider it proprietary. Trade teams are drowning in documentation, entry creation, and ever‑changing regulatory demands—falling behind risks blocked shipments and massive cost. Jennifer's view: AI is less about replacing people and more about augmenting limited resources before they're “buried under all of the legislative changes.”​ Where AI fits in (and where it doesn't) Example use case: consolidating multiple documents (PO, invoice, BL, shipping manifest) to build a single 7501—AI reads different formats, extracts the right fields, and populates data so humans review instead of retyping. Penny's rule of thumb: if it's a task you'd happily delegate to an intern, it's a candidate for automation or semi‑automation. AI frees people to focus on high‑value work: audits, wider coverage (5% → 99%), forecasting regulatory changes, and adjusting systems/processes for what's coming next.​ Starting your AI journey: practical adoption path Step 1: Use free or existing tools (e.g., Microsoft Copilot) for summaries, data cleaning, and simple tasks. Step 2: When needs get more complex, consider specialized AI tools (like PAX's AI‑powered duty drawback service), but pair them with solid ROI analysis: cost vs. time savings vs. recovered dollars. Step 3: For large enterprises, begin with defining pain points and a data strategy: Where do you spend the most time? Which activity is eating 90% of your bandwidth? What data will go into AI, and what exactly do you want back out?​ Overcoming fear and building buy‑in Penny's take: curiosity is your best ally—if you don't know how to use AI, start by asking AI how to use AI. Jennifer's advice: Engage stakeholders early; give them a voice in how the tool is designed and used. Set realistic expectations—even with aggressive automation, maybe only ~30% of workload can be automated today. Focus human effort on strategy and change management, not repetitive admin.​ Choosing the “right” AI for your team Not every company needs every AI—e.g., if you classify one item a month, a classification platform may not be worth it. For trade leaders, tool selection should be guided by: Where you lose the most time or money. Data type mix (text + structured data). Compliance/guardrail needs and vendor transparency about models and controls. Conferences like ICPA are key: they surface real use cases, connect trade and tech experts, and help teams refine what they actually need.​ International Women's Day Spotlight This episode also celebrates International Women's Day and highlights women leading in trade, tech, and compliance—from OEMs to AI startups. Annik closes with a shoutout to all women in trade who are building, leading, and pushing the industry forward.​ Credits Host: Annik Sobing Guests: Jennifer (Volvo Group), Penny (PAX) Recorded at: ICPA Conference, San Antonio, TX   Listen & Subscribe Simply Trade main page: https://simplytrade.podbean.com​ Apple Podcasts: https://podcasts.apple.com/us/podcast/simply-trade/id1640329690​ Spotify: https://open.spotify.com/show/09m199JO6fuNumbcrHTkGq​ Amazon Music: https://music.amazon.com/podcasts/8de7d7fa-38e0-41b2-bad3-b8a3c5dc4cda/simply-trade​ Connect with Simply Trade Podcast page: https://www.globaltrainingcenter.com/simply-trade-podcast​ LinkedIn: https://www.linkedin.com/showcase/simply-trade-podcast​ YouTube: https://www.youtube.com/@SimplyTradePod​ Join the Trade Geeks Community Trade Geeks (by Global Training Center): https://globaltrainingcenter.com/trade-geeks/  

Mark 8:11-26 Don’t Fixate on a Sign and Lose Sight of the Saviour 11-13) Don’t Forget the Miracles and Miss Seeing the Messiah (14-21) Don’t Focus on the Healing and Lose Sight of the Healer (22-26)

Keep a Good Relationship With the Founder Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. Investors see a tremendous amount of dealflow. For some, it can become wearisome to see the same mistakes repeated. It's important for the investor to keep a good relationship with the founder. This means avoiding arrogant or condescending feedback to the startup. It also includes treating the startup founder with respect for their time. Avoid wasting the founder's time on secondary issues. Focus on the core issues first. Use the time to help the founder improve their deck and their business plan. Even if the startup is not a fit, set a goal to help each startup in some way. By keeping a good relationship, the investor may find that the next startup the founder launches is a good fit for investment. Startups are the ultimate long game in investing. It takes years to reach the successful exit of most startups. By keeping a good relationship with the founder, you can increase the chances of success. Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _______________________________________________________ For more episodes from Investor Connect, please visit the site at: http://investorconnect.org Check out our other podcasts here: https://investorconnect.org/ For Investors check out: https://tencapital.group/investor-landing/ For Startups check out: https://tencapital.group/company-landing/ For eGuides check out: https://tencapital.group/education/ For upcoming Events, check out https://tencapital.group/events/ For Feedback please contact info@tencapital.group Please follow, share, and leave a review. Music courtesy of Bensound.

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.

www.LearningLeader.com The Learning Leader Show with Ryan Hawk This is brought to you by Insight Global. If you need to hire one person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world has the hustle and grit to deliver. My Guest: Jamie Siminoff is the founder of Ring, which he sold to Amazon for over a billion dollars. He's an inventor and builder who couldn't hear his doorbell while working in his garage, so he built a video doorbell. When his wife said it made her feel safer, he realized technology had changed, and home security needed a complete reinvention. Ring became the world's largest home security company with a mission to make neighborhoods safer. Key Learnings  Jeff Bezos reads and writes his own stuff. When Jamie asked Jeff to write something for the book's back cover, Jeff actually read it and wanted his own curated quote that was from him. Jeff loves entrepreneurs, so they kept him out of negotiations. After the Whole Foods deal, Amazon learned to keep Jeff out of negotiations because he finds it tough to negotiate hard with someone he respects. Hardware companies can die while growing fast. Ring grew from $3M to $30M to $174M to $480M, which sounds amazing. But to go from $170M to $480M, you're buying hundreds of millions of dollars of product when you're selling less than that. If sales growth slows, you're basically going out of business. Going from $480M to over a billion in revenue was like being on a motorcycle at 200 miles an hour. If a leaf falls down and hits you, you're dead. At Amazon, when Ring said, "We need another billion dollars to order stuff for next year," Amazon said, "Okay, what else do you want?" There are different types of entrepreneurs. Jamie is an inventor/entrepreneur. There are business entrepreneurs who are maniacal business people we've never heard of that have just crushed it. Jamie is maniacal on product and brings invention into how they run the company. Hire marathon runners. Marathons are the dumbest thing any human could ever do. Even if you win, no one cares. Jamie finished the Boston Marathon in 22,000th place and he's so proud of himself. You want people that don't care about external validation; they just care about getting the mission done. AI has democratized all information. With AI making it so you don't even need to know C++ programming anymore, fill your business with passionate people who care about the mission and they'll crush anything. When building your team, start with the mission. Jamie tells people, "Our mission is to make neighborhoods safer. Do you want to work on making neighborhoods safer? Because if you don't, you're going to be miserable here. You're going to hear it every day, and you're going to roll your eyes."  Referrals work because people don't want to let you down. The best hires are when someone's referred by someone (uncle, friend, whatever) because they feel guilty. They don't want to let the person who referred them down. Find an infinite truth to work on. Amazon's core principles are infinite: Will customers always want lower price, more selection, and faster delivery? Yes. If you deliver in 30 minutes, they'll want it in 10 minutes. Making neighborhoods safer is an infinite thing to work on. Your wife saying one thing can change everything. Jamie built a video doorbell so he could hear the door from his garage. His wife said, "It makes me feel safer at home." That's when he realized technology had changed and home security needed a whole new approach. The hard part is bringing the infinite down to the tactical. When you have an infinite mission, you can get overwhelmed trying to solve it all at once. You have to figure out what to do every single day to work toward that infinite goal. Shark Tank was a disaster that turned into everything. Jamie went on Shark Tank desperately needing money. He got zero offers and cried in his car after. But when it aired, the boost in sales gave them cash to hire people and build Ring, which started the clock on their success. Sometimes you can't stop because you're in too deep. After Shark Tank bombed, Jamie couldn't back out. He'd already ordered too many products and owed too much money. He'd be personally bankrupt if he stopped. People think he's tough for keeping going, but he didn't have a choice. Being naive is a superpower. Great inventions are things people say can't happen because if they could happen, they'd already be out there. You have to be naive enough to say "I think I can do this" or "I don't even know that I can't." People said you couldn't build a battery-operated camera on WiFi. Jamie had never built anything before, so what did he know? They just went out and tried to put some parts together that seemed like they would work. Knowing too much gets in the way of doing the work. If you're thinking and analyzing the whole world, that's time you're not inventing, building, making calls. When are you actually doing the work? The Ring.com domain negotiation was survival. The owner originally wanted $750K for the domain. Jamie had $178K in the bank on the day he was supposed to pay. He called and said "My board said I can't do the deal, but they approved $175K today and $1M total over two years." The guy hung up, called back, and said fine. There was no board, it was just Jamie.  The stress internalized and destroyed him. Jamie wasn't sleeping and was super stressed. There are different types of entrepreneurs: some can handle that stress and sleep like a baby. Jamie internalized it, and it affected him terribly. Be transparent at home. Jamie's son was six years old and knew where the business was. His kindergarten teacher would say, "I hear the business isn't going well." They just had open, adult conversations about everything. Work-life integration, not balance. Jamie integrated work, life, and family together. His son came with him to pick up the first DoorBot in China. Oliver has been to 40 countries and almost every state because he traveled to every meeting. Bring your kid to the meeting. People asked, "How do you bring your kid to a meeting?" Jamie said, "Who do you think they're gonna remember more?" We're always scared to be different. Follow your passion, but make money when you need to. It's hard to see anyone who's achieved greatness who didn't do what they loved. But there are times you have to work your ass off to make money (Jamie was a bellhop and valet parking cars). When you set out to do something, do something you care about. If you fail trying to make money, that really sucks. If you fail trying to do something you love, at least you tried to do something you love. If Ring fails, they try to make neighborhoods safer. That's noble. You can tell who's successful by how fast they respond. It's a weird flip-flop of what it should be. You'd think a successful person should respond in a month, but the people running at the highest levels are actually very efficient. There's something about it. First principles thinking eliminates recurring meetings. There's no way every single Monday at 9 AM you have something important to talk about. The world can't exist like that. Meet when you need to do something, not on some cadence. Hire the best and let them work. Get the best quarterback, best kicker, best coach. Let them work together, let them practice, have the plays. You don't need to get together every day to talk about how you're feeling. No standing meetings, zero recurring one-on-ones. Jamie doesn't have a standing meeting with his team in any cadence. He talks to people all day long, all night long, Sundays, but it's event-based. "We have to get sales up on this, where are the issues?" If you're not doing your job, we'll fire you. Service to others is the best thing you can do. A year from now, Jamie would be celebrating something on the charitable side. Probably something with their work in South Central LA with LAPD, or at their 75-acre farm in Missouri helping the town that's been impacted by opioids and industrial farming. More Learning #191: Robert Herjavec: (Shark Tank Investor) - You Don't Have to Be a Shark to Be Effective #626: Rob Kimbel - The Power of Grit and Generosity #632: Nick Huber - The Sweaty Start Up Reflection Questions What's a problem you could pursue for decades without exhausting its potential? What mission has no endpoint, only continuous improvement? Work-life integration. What are you keeping separate that might be better together? Where could you stop trying to "balance" and instead integrate? Audio Timestamps 02:19 Bezos' Endorsement for Jamie 03:30 Selling Ring to Amazon 05:04 Hypergrowth Cash Crunch 07:54 Inventor vs Business Operator 09:34 Hiring Marathoners 11:20 Interviewing and Firing Fast 13:25 Mission Origin and Big Vision 15:40 Infinite Truth and Focus 17:06 Getting on Shark Tank 19:32 Live Demo and Rejection 23:13 The Aftermath and Momentum from Shark Tank 24:57 Naivete as Superpower 27:00 Doers Beat Planners 27:33 Winning Ring.com Deal 30:17 Stress and Family Support 31:33 Work-Life Integration 33:26 Passion Versus Practicality 36:08 Scaling Authentic Culture 37:26 Frontline Leadership Style 42:15 Team DNA & No Standing Meetings 45:19 Service and Jamie's Farm Mission 47:39 EOPC

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.

The mindset of a poker pro can now be applied outside of a narrow game.In Episode #517 of 'Meanderings', Juan & I discuss: Annie Duke's 'Thinking In Bets' book and how the poker mindset can reshape everyday decision-making, why focusing on process over outcomes matters, how using AI as a sounding board revealed hidden risk-taking in my own finances, testing assumptions in small experiments before going all-in, how arbitrage opportunities appear with prediction markets and why clarity on desired outcomes should drive bet-sizing. No support for this week so no beanie either. Also my laptop died suddenly hence the rather curt cut off at the end. Luckily we were almost done anyway phew. Stan Link: https://stan.store/meremortalsTimeline: (00:00:00) Intro(00:03:22) Outcome vs process: luck, good decisions, and post mortems(00:09:16) Poker as repeated high impact decisions and learning while folding(00:12:45) Symmetry, asymmetry, and spotting obviously bad bets(00:18:34) Focus on decision quality, not results: lessons from early poker hands(00:23:34) Plans that fail from wrong models: refining sell strategies(00:28:15) Designing a simple, robust framework: time, percentage, and mean reversion(00:31:28) Support break and playful side bets (brief interlude)(00:31:59) Defining enough: goals, asymmetry, and chasing deltas(00:35:18) Context is king: life design vs maximising returns(00:38:56) Lifestyle upgrades vs status buys(00:42:39) Comparing lives you don't want(00:45:14) Test your dreams: mini retirements and truth over fantasy(00:48:25) Prediction markets 101: from politics to Eurovision(00:51:08) Arbitrage basics: finding edge across bookmakers(00:56:24) Overconfidence, Dunning Kruger and too much information(01:01:02) Avoiding tilt: energy, time, and knowing when to walk away(01:03:27) AI flights of fancy: unified physics and healthy scepticism(01:05:01) Wrap up: from thinking in bets to betting on ideas Connect with Mere Mortals:Website: https://www.meremortalspodcasts.com/Discord: https://discord.gg/jjfq9eGReUTwitter/X: https://twitter.com/meremortalspodsInstagram: https://www.instagram.com/meremortalspodcasts/TikTok: https://www.tiktok.com/@meremortalspodcastsValue 4 Value Support:Boostagram: https://www.meremortalspodcasts.com/supportPaypal: https://www.paypal.com/paypalme/meremortalspodcast

Alexandre Allais, directeur général de l'Alliance Française de Perth présente l'Alliance Française French Film Festival qui débute le 12 mars. On parle aussi des special events et des soirées spéciales. Focus aussi sur Bunbury ou se déroulera le festival du 25 au 29 mars.

In this episode, The Annuity Man discussed:  Planning for a lasting legacy to protect clients and business continuity Creating a client-first culture by prioritizing guarantees over commissions Fostering radical transparency through honesty and owning mistakes Using trust and straightforward service to stand out in a commoditized market   Key Takeaways:  Preparing for the future keeps client trust intact even after the founder is gone. Documented processes and succession plans ensure smooth operations. Continuity strengthens reputation and confidence. Prioritize guarantees over commissions to align the team with client outcomes. Focus on what the client receives, not what the team earns. This builds credibility and trust. Honesty guides every decision and strengthens relationships. Owning mistakes openly fosters loyalty. Clear communication reduces friction. In a commoditized market, trust and client focus set you apart. Straightforward, consistent service matters more than product complexity. Clients remember integrity above all.   "Annuities are commodity products. We all sell the same thing. If anyone tells you otherwise, they are lying." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Paul Ross is the founder of the Subconscious Sales Advantage and a sales trainer with more than 30 years of experience helping entrepreneurs, founders, and sales teams dramatically improve their close rates. Known for his expertise in hypnotic language patterns and subconscious influence, Paul has helped organizations generate millions in additional revenue and achieve 30%+ sales increases in as little as 90 days. His unique approach blends neuroscience, psychology, and language frameworks to help sales professionals bypass resistance and guide prospects toward confident buying decisions. On this episode we talk about: How subconscious influence shapes buying decisions Why modern prospects have shorter attention spans and how that impacts sales The difference between rapport and true compliance in a sales conversation Powerful language patterns that create focus, trust, and authority Pattern interrupts and objection-handling techniques that reopen stalled conversations Top 3 Takeaways Sales is about engineering decisions. Instead of trying to convince people to buy, focus on creating the mental states—focus, trust, and curiosity—that help prospects make confident decisions themselves. Trust in themselves matters as much as trust in you. Prospects often hesitate because they don't trust their own judgment. Helping them feel confident in their decision-making process can dramatically increase conversions. Pattern interrupts break resistance. When prospects default to common objections like “I need to think about it,” disrupting the expected response can create suggestibility and reopen the conversation. Notable Quotes "You're never selling a product or service—you're selling decisions and good feelings about those decisions." "Focus is the currency of any kind of sale." "Language structures consciousness, consciousness shapes decisions, and decisions drive behavior." Connect with Paul Ross: LinkedIn: https://www.linkedin.com/in/speakerpaulross/ Instagram: https://www.instagram.com/speakerpaul/ Other: https://sellwithsuggestion.com/travis Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency. Capture leads, nurture them, and close more deals—all from one powerful platform. Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of "The DO Show," mortgage expert Dustin Owen takes a deep dive into the concept of home equity, thoroughly explaining what it is, how it accumulates over time, and why it is such a valuable asset for homeowners. He breaks down the various ways in which home equity can build, such as through regular mortgage payments, property value appreciation, and home improvements, helping listeners understand the mechanics behind growing their wealth through real estate ownership. Dustin then explores the financial tools available to homeowners who wish to access their home equity, focusing specifically on Home Equity Lines of Credit (HELOCs) and Home Equity Loans. He provides a detailed comparison of these two options, outlining how each works, their respective advantages and disadvantages, and the scenarios in which one might be more appropriate than the other. He also discusses the potential risks involved, such as fluctuating interest rates with HELOCs or the possibility of overleveraging, and stresses the importance of understanding the terms and conditions before proceeding. Throughout the episode, Dustin emphasizes the critical role of education and professional guidance when making decisions about leveraging home equity. He draws important lessons from the 2008 financial crisis, illustrating how misuse or misunderstanding of home equity products contributed to widespread financial hardship for many families. By sharing these insights, Dustin encourages listeners to approach home equity with caution and to seek advice from trusted mortgage professionals. Ultimately, Dustin's message is clear: when used responsibly and strategically, home equity can be a powerful tool for building long-term wealth, funding major expenses, or investing in new opportunities. However, he cautions that irresponsible use or lack of knowledge can quickly turn this asset into a liability, leading to financial stress or even loss of one's home. He urges listeners to educate themselves, consult with experts, and make informed choices to ensure that leveraging home equity serves as a benefit rather than a burden. The Moment Homeowners Realize Home Equity (00:00:00) America's Record Home Equity & Its Uses (00:01:14) Episode Introduction & Focus (00:02:26) Host Introduction & Background (00:03:05) Defining Home Equity (00:03:58) Home Equity as Illiquid Wealth (00:05:00) HELOCs: Structure and Features (00:06:05) Home Equity Loans: Structure and Features (00:08:20) Risks and Historical Misuse of Home Equity (00:09:31) Smart Uses for Home Equity (00:10:44) The Importance of Education and Guidance (00:11:59) Encouragement to Seek Professional Help (00:13:06) Episode Conclusion & Call to Action (00:14:22) Let our team connect you with a Real Estate Expert local to you! https://tloponline.com/real-estate-help/ 

Experience two full hours of steady white noise designed to help you sleep better, study longer, and concentrate without distraction. This smooth and balanced sound creates a calm audio blanket that masks background noise and brings instant relief from busy surroundings. Imagine a gentle and constant flow of sound that stays even and stable, allowing your mind to settle and your thoughts to slow down. Perfect for deep sleep, relaxation, meditation, reading, and focused work. Let this continuous white noise create a peaceful space where you can rest, think clearly, and recharge.Become a supporter of this podcast: https://www.spreaker.com/podcast/asmr-rain-recordings--5347561/support.Lose the AD intros by becoming a subscriber!https://www.spreaker.com/podcast/asmr-rain-recordings--5347561/support

In this winsome presentation, Dr. Ken Wilgus uses stories from Genesis to convey a fundamental truth: most men want to feel adequate, and most women seek connection. He explains how this difference tends to block clear communication, and offers advice to improve how we express ourselves to our spouse. He points out that marriage can take some work, but that it is the most important relationship aside from our relationship with the Lord. Both husbands and wives will learn easy habits that can transform a marriage into a thriving, enjoyable relationship! Guests include Dr. Ken Wilgus, Shaunti Feldhahn, Dr. Greg Smalley, Kathi Lipp, Dan Seaborn, Patricia Ashley, and Jay Payleitner! Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

A United States Marine in dress blues had his arm deliberately snapped by Capitol Police and an AIPAC-bought Senator because he dared refuse to die for Israel's bloodlust. Peymon Mottahedeh joins to smash the biggest con job alive— there is NO constitutional requirement, NO statute, NOTHING forcing you to hand over your hard-earned cash to a government run by child-raping, blood-drinking Satanists who bomb kids abroad and poison you at home.