Podcasts about fomo

Ticked Off Tuesday has Jared in full rant mode, opening with gratitude for listeners and a reminder that while other podcasts take the week off, he's still showing up. He unloads on life's daily betrayals, from shower doors that spray you with freezing water to laundry bottles that refuse to clearly say “detergent.” Holiday gripes follow, including blow up lawn decorations that now feel like jump scares and Christmas playlists that desperately need a separation of church hymns and pop bangers. Listener complaints pile on with gift list anxiety, impossible parking situations, parents who can't hear through AirPods, and ads for New Year's Eve parties happening nowhere near you. Jared closes by spiraling into the modern misery of geo targeted FOMO and pitching a very specific, very pricey single person New Year's Eve dinner that honestly might work.Jared is on tour!

For years, gold was the asset nobody wanted to talk about. It sat there quietly while stocks and real estate continued to rip. Gold was for pessimists. For doomsayers and perma-bears.And then suddenly… gold didn't just wake up. It launched. As of mid-December 2025, spot gold is trading around $4,300–$4,400 an ounce, depending on the market, marking a gain of roughly 60% over the past year and pushing decisively into record territory. The obvious question is: why now? The short answer is that gold isn't reacting to one thing. It's responding to a stacking of pressures that have been quietly building for years and are now impossible to ignore.Start with central banks. For the better part of the last decade, central banks were net sellers or indifferent holders of gold. That changed dramatically after 2022. According to the World Gold Council, central banks have been buying gold at more than double the pace of the pre-COVID years, and 2025 continues that trend, with hundreds of tonnes added to reserves year-to-date. These aren't hedge funds chasing momentum. These are monetary authorities making deliberate, strategic decisions about what they trust to hold value. Why would central banks suddenly want more gold? Because geopolitics has re-entered the chat. We now live in a world where reserves can be frozen, payment systems can be weaponized, and “risk-free” assets depend heavily on political alignment. The World Bank has been explicit that rising geopolitical tensions and global uncertainty are key drivers of gold's surge this year. When trust in the global order erodes, gold benefits. At the same time, the U.S. dollar devaluation thesis is no longer fringe thinking. It is reality.Gold is priced in dollars, and when real yields fall and the dollar weakens, gold historically performs well. That dynamic is playing out again. Reuters has repeatedly pointed to a softer dollar and declining Treasury yields as near-term tailwinds for gold's rally . Bank of America's research echoes this relationship, emphasizing gold's inverse correlation to the dollar and the growing desire among nations to diversify away from dollar-centric reserves . In other words, gold isn't just going up because people are scared. It's going up because confidence in fiat discipline is eroding, slowly but persistently. So…Is gold still a buy or did we miss it? The truth is, both answers can be correct. Yes, gold is expensive relative to where it was a year ago. You don't go up 60% without pulling future returns forward. But what makes this cycle different is that many of the buyers driving demand are price-insensitive. Central banks don't care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. That's why major institutions aren't dismissing the move as a blow-off. Goldman Sachs has cited sustained central-bank demand and the potential for further ETF inflows as supportive of higher prices. J.P. Morgan continues to frame gold as a beneficiary of geopolitical instability and monetary uncertainty, and Bank of America is projecting prices as high as $5,000 an ounce into 2026. Of course, nothing goes up in a straight line. A shift toward tighter monetary policy or a sudden easing of global tensions could cool enthusiasm. Understand though, that gold's breakout isn't just about gold. There is a larger message that should be taken away from all of this. Hard money has come back into favor. Gold is the original hard asset. It's scarce, politically neutral, and has thousands of years of monetary credibility. But it's also heavy, difficult to move, and awkward in a digital world. Bitcoin exists on the same philosophical axis. Both gold and Bitcoin are reactions to the same problem: expanding debt, monetary dilution, and declining confidence in centralized control. Gold is the conservative expression of that view. Bitcoin is the aggressive one. Today, Bitcoin trades around $86,000, still volatile, still controversial, still misunderstood. But if gold's surge is signaling a regime shift toward hard assets, then Bitcoin may simply be earlier in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, when institutions start moving into the oldest form of sound money, they eventually begin exploring the newest. That's the signal worth paying attention to. So this week, I interview Dana Samuelson, an old friend of the show and an expert in everything gold and hard money. 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.  Gold isn’t reacting to one thing, it’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. Welcome, everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you. From Montecito, California and today. Uh, before we begin, just a quick reminder. Uh, there is a, uh, website associated with this podcast called wealth formula.com. And, uh, that’s where you go to get deeply more deeply integrated into this community, including our accredited investor club, AKA investor club for you to join. And, uh, once you get onboarded, all you do is you, you have an opportunity to see private deal flow, uh, that, uh, is not available to the general public. If you are an accredited investor, meaning that you have, uh, make $200,000 per year or $300,000 per year, uh, for the last two years with the reasonable expectation of continuing to do so, or you have a million dollars outside of your personal residence, a net worth, then you are an accredited investor and. All you need to do is sign up and join the club. Just go to wealth formula.com and sign up and get onboarded. Now, let’s talk a little bit about something that has been extraordinary this year. It’s gold. You know, for years, gold was the asset that nobody wanted to talk about. I mean, it sat there quietly. Well, stocks and real estate continue to rip. Um. Gold really is really, you know, was for the pessimists. For the doomsayers and the perma bears. I mean, I, I gotta tell you, I kind of am was one of those people, right? And then suddenly gold didn’t just wake up. It, it totally launched, exploded in his mid-December 2025. Spot Gold is trading around, I know, 4300, 4400 an ounce, depending on the market, gaining roughly 60% over the past year. Pushing decisively into record territory. Now the obvious question is why now? Well, the short answer is that gold isn’t reacting to one thing. It’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. And this is an interesting shift because. The thing is that in the old days, and I’m even talking about 15, 20 years ago, uh, you would look at gold as something that didn’t really go up when the stock market was doing well, right? It was kind of a reaction. It was a fear-based thing. It still is sort of a fear-based thing, but now it’s not just fear of, you know, whether the stock market’s gonna crash. It’s fear of geopolitical concerns. That’s where the central banks come in, right? So for the better part of the last decade, central banks were net sellers. Or really indifferent of holders of, of gold, and that changed dramatically after 2022. So according to World Gold Council, central banks have been buying gold at more than double the pace of the pre COVID years. And 2025 continued that trend with hundreds of tons, uh, added to reserves year to date Now. These are central banks. They’re not hedge funds chasing momentum, right? They’re monetary authorities and they’re making deliberate strategic decisions about what they trust to hold value. And why would central banks suddenly want more gold? Well, because again, geopolitics has reentered that chat. We live in a world now where reserves can be frozen, right? Payment systems can be weaponized. Risk-free assets depend heavily on political alignment. Now of course, I’m talking about the United States when I’m mentioning all those things, right? Uh, how we can kind of just freeze assets of Russia and that kind of thing. I’m not, uh, pro-Russia, I’m just pointing out the fact that. Countries don’t like it when you freeze their assets. Right? The World Bank, uh, has been explicit that rising geopolitical tensions and global uncertainty are the key drivers of gold surges this year. And when trust in the global Ory roads, of course that is now when gold benefits and at the same time, the US dollar devaluation thesis is no longer just kind of fringe thinking. It’s reality. No one, no one even bothers to pretend that that’s not happening. So gold is, uh, of course, priced in dollars and when real yields fall, uh, and the dollar weakens gold historically performs well so that that dynamic is playing out again as well. In fact, Reuters has repeatedly pointed to a softer dollar and declining treasury yields as near term tailwinds for Gold’s Rally Bank of America. Uh, their research shows, uh, this relationship emphasizing gold’s inverse correlation to the dollar and the growing desire among nations to diversify away from the dollar centric reserves. In other words, gold isn’t just going up because people are scared. It’s going up because confidence in the fiat discipline is eroding altogether slowly. Persistently. So the question is, is gold still a buyer? Did we miss it? I mean, I just mentioned that it just went up by like 60%, right? So that’s a tricky question. It really is. I could certainly see some volatility there. But here’s the thing. I mentioned that central banks were big buyer, right? Central banks don’t care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. So they’re a price insensitive buyer. Um, and that’s why major, major institutions aren’t dismissing the move, as you know, just a big blow off. Uh, Goldman Sachs cited sustain central bank demand, and the potential for further ETF inflows is supportive of higher prices. Banks, uh, like JP Morgan and um, and, and Bank of America. I mean, they’re continuously talking about how gold is a beneficiary of this geopolitical instability. Bank of America is projecting prices high as $5,000 a ounce in 2026. So that’s still a big move, right? Of course, nothing goes up in a straight line. So shift toward tighter monetary policy or sudden easing of global tensions. Well, I, I could, they could cool enthusiasm, right? The less fear in the world. Well, that isn’t. That’s not good for gold. I understand though that gold’s breakout isn’t just about gold. There’s a larger message that should be taken away from all of this, and that is that hard money, real assets have come back into favoring, and gold is the original hard asset. It’s scarce, it’s politically neutral, tens of thousands of years of monetary credibility, but it’s also heavy, difficult to move and awkward in a digital world. Now, of course you know where I’m going with that. I don’t wanna make every gold conversation conversation about Bitcoin, but just as a reminder, Bitcoin exists on that same philosophical access, right? Both gold and Bitcoin are reactions to the same problem. Expanding debt, monetary dilution, declining confidence and centralized control. Gold is the conservative, you know, version of that, the expression of that Bitcoin is the crazy youngster, the aggressive one. They’re, they’re following the same rails. And today Bitcoin trades around $86,000. It’s still volatile, still controversial, still misunderstood, and really, listen, the market cap is 2 trillion bucks. Um, you know, no asset that has ever reached $2 trillion. Market cap has ever gotten to zero. But on the other hand, there’s it, it’s pretty small, and you could still move those markets really quickly, and that’s why you’ve got volatility. But if gold surge is signaling a, a, a shift towards hard assets, it’s really hard to not see that. Uh, Bitcoin may simply be, uh, you know, early in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, uh, when institutions start moving into that, you know, oldest form of sound money, they eventually begin exploring the newest. And that’s, that’s a signal. Worth paying attention to. Anyway, this week what we’re gonna really focus on though is gold and hard money. We’ll talk a little bit about Bitcoin as well. My guest is Dana Samuelson, who is. An old friend of the show, and we will 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 investments 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 back. Turbo charge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast ad Samuelson. He is been on the show before. He’s friend of the show. He is a professional. How do we see this numismatist since, uh, 1980. Working with some of the most influential, precious metals trading companies in the country. Before founding his own American Gold Exchange Incorporated in 1998. Uh, for nearly a decade, he was a personal protege of James U. Blanchard ii, one of the true giants of the industry, and the individual most responsible for re legalizing the private ownership of gold in the us. American Gold Exchange Inc. Is a national mail order, precious metals and rare coin dealership that makes competitive buy and sell markets in mainstream, modern, gold, silver, platinum, palladium, bullion coins and bars and classic pre 1933 US Gold and silver coins and World War ii European Gold coins. I don’t know if I left anything out, but welcome Dana. How are you doing? I’m doing great, buck. Thanks for having me back. I really appreciate it. Well, it was funny, we had a little conversation, uh, just before we started and I said, well, gosh, you know, uh, we’ve had you on the show before, maybe once, maybe twice. And, you know, and, and you, um, I think Apley described the gold market as watching paint dry. And I, I think that’s, I think that’s pretty adequate. Um, I mean, for, I mean, the last decade or so before this all happened. So, so let’s start talking about it. So, gold gold’s moved into price territory that, you know, very few people would’ve predicted even a couple years ago. So what, from your perspective, having lived lived through multiple gold cycles, what feels fundamentally different about this move? Uh, this market is a globally driven market and it’s focused on physical. There’s been a move into gold this year, and silver now platinum two. To a degree palladium, uh, in a physical level that we haven’t seen since the late seventies when we had the last really, you know, red hot market driven by fears over debt inflation. Geopolitics. Uh, you’ve got the bricks, nations that are trying to divorce themselves of the dollar, but they really can’t do it easily because there’s not a good viable alternative except for gold. And that’s been one of the leading drivers of this gold price surge that has really, you know, almost doubled in price since, uh, two years ago. A lot of it is, you know, underpinned by Central Bank Gold buying, you know, between 1950 and 2010, after the dollar became the world’s reserve currency backed by gold. And even after we un pegged the dollar to gold in the 1970s, 1971, central bankers had had gold on their, physically in their vaults from pre-World War ii when gold was money, uh, they shed that. From the 1950 all the way to 2010, they became net buyers after the great financial crisis due to the global debt explosion and primarily quantitative easing printing money outta thin air. But they were buy, they were modest buyers, you know, 500 tons a year until Russia invaded the Ukraine in 2022. And we sanctioned Russia and weaponized the dollar. The last four years, they bought, you know, almost a thousand tons of gold year or double. That really became material last year in price as the cumulative effects of their continually buying about a fifth of what the mines make every year started to really impact supplies and price movement. And now we’ve got President Trump this year, you know, throwing a monkey wrench into the World Trade order with his tariffs. And I think that that’s created a lot of uncertainty, some fear. And of course the debt just continues to go higher and higher. And now interest payments on our debt are over a trillion dollars for the first time ever. So debt servicing is starting to become problematic. The cumulative effects of all this have caused the, the people around the world, including central governments to buy gold at record rates. Um, but it’s not the phenomenon that’s happening in the United States. ’cause we don’t have a gold culture in our country, like almost every other country does. It’s interesting. Um, so what, you know, you’ve been talking about really is central banks around the world have it really been accumulating gold at levels we haven’t really seen in modern times. Right. And, and, uh, why do you think the US Central Bank. It doesn’t do the same because is it an admission of the debasement of the dollar? Because really the gold, gold is the anti dollar. I’ve always viewed it as the anti dollar maybe. Maybe that’s not the, you know, you may not agree with that a hundred percent, but I’ve always viewed it that way, and so why wouldn’t the US hedge and accumulate more? Well, we’re the world’s reserve currency. That Right. That’s, that’s created a paper culture in our, in our world. It’s now three generations old, right? Since 1945, when the dollar became the world’s reserve currency and we, the world went to a paper money standard instead of a gold money standard, which was the world’s standard from ancient times all the way till the 1930s. You know, the, our monetary system when the country was founded in 1793 was based on gold and silver coins. A copper penny was the size of a half dollar because that’s what one penny’s worth of copper was worth in 1793. Right. Um, you know, after World War ii, we had a couple things that the rest of the world didn’t have. We had a manufacturing, uh, industries that were, uh, unaffected by the, physically by the war. And we had, you know, the ability for markets to work properly, which should allow the dollar to become the world’s reserve currency. Backed by, you know, 8,200 some odd tons of gold, the biggest pile of gold that any country had. Actually, at that time it was more like 20,000 tons of gold. Uh, but by the time we got to the seventies and we un pegged from gold, we were down to about 8,000 tons. That’s still more than anybody else is supposed to have. I do think China could have more gold than that. Now they’re just not telling us they do. You know, officially they’ve got about 2,400 tons of gold, uh, and the second and third are, you know, 3000 tons of gold. So we, we still have a lot of gold. And there’s talk about auditing Fort Knox and monetizing it, but it only gets us about a trillion dollars. It’s not enough to really, you affect the 38 trillion, maybe pay the debt off for a year, or, you know, for six months. Six months, yeah. Something like that. Our, our debt is starting to matter too. You know, it’s doubled twice in the last 20 years. It gonna double again in the next 10 to 70 trillion, 78 trillion. People hear about the, the whole, uh, the bricks phenomena, right? And part of, part of what you were just discussing in the, uh, accumulation of gold. Explain that, explain what’s going on over there for people who aren’t paying attention, and you know how that is, how that is playing into all of this. Well, when we sanctioned Russia after they invaded the Ukraine. And seized their assets and threw them off of the Swift International Bank Transfer Payment System. We forced countries that were concerned that if they ran politically afoul of us, we could do the same to them. They forced them into thinking, oh, how do we get some independence from that vulnerability? Potential vulnerability? It’s not easy to replace the dollar. What they’ve, what they’ve been doing is replacing the Swift Bank transfer payment system with a payment transfer system of their own right so they can move money amongst themselves outside of the SWIFT system, number one. And since there isn’t a good viable alternative to the dollar, really the only other asset that makes sense is gold. Gold is a neutral asset. It’s not like you need it for oil or grain or steel. Nobody really needs gold, right? But it’s universally trusted. It’s immediately liquid, and it’s got a couple other things going for it that are unique. Number one, it has no counterparty risk. It’s one of the only assets. It isn’t simultaneously someone else’s liability. And number two, uh, gold in a vault can’t be seized or sanctioned. Right, so they’ve been going to gold, like they’ve been going to gold for, for centuries. It’s just, it hasn’t been that way since after World War ii. It’s a, it’s kinda like a back to the past kind of a situation. It’s sort of back to the future. It’s back to the past. That’s the allure for gold and the reason why they’re accumulating. In fact, they just launched their own currency unit called the unit. 40% backed by gold. The bricks nations have now it’s in its infancy and it’ll take a while for it to really, you know, work. But they’ve been building the components and the infrastructure to get to this point, creating the transfer of payment systems and all the components to go along with that so that they could announce something that they could use as a, as a settlement vehicle for trade, which is really what this is all about. And they’re backing at 40% by gold. Which is material and it’ll become bigger as time passes. Let’s, let’s try talk a little bit about that price movement. Huge. Um, is 60% in the last couple years, is that about right? This year alone, gold’s up 67% on a 12 month rolling basis, 67%. I mean, those are like bitcoin num, you know, type movements in the past. Right. They’re kind of crazy. So a lot of people are looking at those prices today and they’re thinking, well, I’m late to the party. Uh, are they late to the party? How do you, uh, what, what do you think’s going on there? I think the party’s about halfway through. We haven’t got to the late innings yet. I, I really do think this, and this is why this is the fourth major bull run in gold we’ve seen since we went off the gold standard in 1971. We had a a 20 to one run for gold in the seventies that was built on two oil shocks. 18% inflation and a crisis of confidence in the US then for the next 30 years. You know, 25 years a good part of my career. You know, watching gold was like watching paint dry. It traded routinely between three and $500 an ounce until we got into war, uh, following the nine 11 attacks, Iraq and I, Afghanistan, and we went into deficit spending. Then we had a second financial crisis when the great financial crisis hit another bull bull market in gold. Then we had COVID economic closures, another bull market in gold. Now we’ve got a fourth, but it’s lacking what the first three had, which was fear in the US over either economics or geopolitical events. So this gold price has essentially doubled since March or April of 2024. With no fear and a lot of complacency in the US markets. So my, my thinking is what happens if the economy slows down and, you know, the Fed’s gonna lower rates anyway. We know that’s coming with a new Fed chairman in the next five months, six months, number one, that’s good for gold. What happens if we go into a real economic slowdown and the Fed really has to drop rates, or God forbid, go to QE again, right? Or inflation rears its ugly head because the fed’s too accommodative in it. Situation where, you know, supplies are kind of tight still because of the monkey wrench, president Trump has thrown into the World Trade Order. You know, if we get fear in the US that’s when gold could go from 4,000 to, you know, 8,000. And I’m not saying that’s gonna happen, but I do think the trends have driven gold higher are not gonna change anytime soon. One of the things that you’re mentioning is those trends and like even. You know, in the last 15 years ago when I’ve been sort of involved in the investor world, the, the things that we talk about with trends with with gold have changed. I mean, usually you don’t see AI stocks going up with gold, right? Like, I mean, not that AI was around, but the point is tech stocks, that kind of thing. How is that thesis fundamentally changed? Um, I’m not quite sure I understand your question. Well, what I mean is like if gold was, gold used to be, I think it’s, you know, something again that people would buy when they were afraid of, of what’s going on in the equity markets. Right. Uh, that’s clearly not the case now. No, no, not at all. Right. Talk about that change. When did that change happen? How did it happen? This is a globally driven market. It’s not a US-centric market. This is fear around the world. You know, central banks started to underpin this market in 2022 when they stepped up their buying and doubled it. But this year, because of the uncertainty, uh, and some of the fear that President Trump’s tariffs and the way they’ve been deployed, kind of knee jerky, um, and inconsistently. Certainly not diplomatically, right? You know, it’s caused a lot of concern around the world. And for example, in April when President Trump announced the reciprocal tariffs on April 2nd, what happened? The bond market went into the complete dislocation, yields spiked from 4% to 4.5% in a week. The bond values tumble because investors started pulling money out of the, and taking it back home. Money that’d come in from Europe and Asia started to go back. So what did President Trump do? He pulled back the reciprocal tariffs on every country, but China and China said, well, we’re not gonna drop tariffs on you. And he said, well, we’ll ramp ’em up on you. So we went toe to toe with him. Until a week later, we were at 145% tariffs on China, and they were 125% on us. Well, if you’re a Chinese investor and you have real estate or stocks to invest in, and both of which have done badly since COVID or gold, what are you gonna do when your best customer suddenly says, Hey, we really don’t want your products, because that’s what 145% tariffs say to the Chinese. We don’t want your products. You can’t sell ’em here. You gotta go sell ’em somewhere else, but we’re their best customer. So they bought gold. They bought gold handover fist, and they drove the gold price up $500 by themselves during that month. That’s what I mean by fear outside of the us. Yeah. We don’t get it inside. Well, and and that’s fear outside of the markets too, right? I think that’s, that’s the fundamental shift I was trying to get at is true. It used to be that gold was, uh, gold would react on fear of the markets, but now there’s another level of fear, which is geopolitical. And it doesn’t seem like there’s any time soon that that’s gonna end. No, no. I, I, I’ve called it like a run on the bank only. It’s not a run on the bank of like George Bailey’s run on the bank and it’s a wonderful life. This is a run on the gold market, the physical gold and silver and platinum markets. That’s really what this is, and it’s a global rush to buy. And it’s not just central banks, it’s the public as well. Due to uncertainty, part of it’s fear of missing out now that we’ve had a big run in prices too. That’s FOMO in there too. That’s what I’m trying to, that’s part of what I was wondering too though, is like, you know, again, there’s people out there now who, um, are, are looking at this and they might even be listening to us going, gosh, yeah, it really makes sense and I happen to have no gold. What do I do? You know, what do I do now? Do I buy now? And, and I’ll, you know, and, and the next thing you know. I find out this was a frothy market and, and I’m down 20% for the next three years. I mean, that kind of thing. So I, I think it’s a, it is a tricky time, but, so that sort of, I guess, brings up when you think of gold, um, in a portfolio. I mean, you say, you’ve said in the past, it’s not about getting rich. Well, some people really did get rich this time. Uh, you said it’s about preserving wealth, right? So how should investors think about Gold’s role alongside stocks, real estate, and other assets right now? Well, even I think JP Morgan Chase has said this year, you know, instead of a 60 40 portfolio, you should have a 60 20 20 portfolio with 20% bonds and 20% precious metals. Gold in particular, because of what’s been happening. And now we don’t have a gold culture in our country, like most every other country does. So most Americans don’t get it. And that’s part of. We’ve ingrained because the dollar is the world’s reserve currency and it insulates us from currency shocks in commodity pricing primarily. Uh, without that insulation, you know, they might think things a little bit differently, but you know, any good financial planner will say you should have a little bit of precious metals as part of your portfolio, uh, as a hedge against financial uncertainty. And it certainly worked perfectly well during the great financial crisis. And when COVID hit because. Gold tends to counter cyclically, perform in price against stocks and bonds, and it’s always liquid. Now, you’re a real estate investor, you understand real estate. What couldn’t you get in 2009 alone? Right? Bankers wouldn’t give anybody money, right? But if you had gold, you could get liquidity, right? And gold, you know, almost doubled between 2008 and 2011 at the same time when most assets were dropping 50%. That’s an insurance policy for the rest of your money. That’s why I said, look, it’s a way to preserve wealth and have a hedge against financial uncertainty. But in the market that we’re in now, you know, having more than just the, the minimum, which is five to 10% of assets as a, you know, potentially an investment instead of just an insurance policy. That makes sense. But you’re right, you could buy and you could, you know, tie up money that won’t produce anything for a couple years, maybe longer. You also have an insurance policy in case the wheels do come off like they did during the great financial crisis or during COVID. Yeah. Yeah. I was listening to, uh, another podcast. I listened to the, these, uh, guys, the All In podcast, and, uh, Tucker Carlson was on there, and apparently he’s a, you know, huge, uh, physical gold guy. And, and he said, and I, I think he was serious. He said he buries it in his backyard and then he spreads a bunch of, um. Uh, a bunch of, you know, silver beads, uh, out there too, like, just in case no one can like, use a medical metal detector and find it is gold. Uh, let’s talk about that nuance of, of physical gold versus, you know, buying ETFs and all that stuff. What’s your take? I mean, what, what do you tell people when they say, well, gosh, you know, uh, it might be hard for me to store that gold and, and why shouldn’t I just get an ETF and, and talk a little bit about that? Well, I trade ETFs in my IRA account. When I think the, when I think I can harness price movement, that’s what I use ETFs for. You know, they’re a paper representation of gold, uh, that you can trade at the click of a button, physical gold. Is valuable. It’s, you have to find a place to store it. It’s pretty inert, so you can, you can bury it in your backyard, keep the elements out of it, but then there’s some risk there because it could be found, it could be stolen, so you do have to store it somewhere. You can put it in a bank safe deposit box, but I don’t really recommend that because what happens if there’s a banking holiday and you can’t get to it? So having a home safe or maybe, you know, maybe bearing it in the backyard. Is an option if that’s what you wanna do. Or there are independent professionally run storage facilities. There’s a few of ’em around the country that are run by precious metals dealers that are, you know, big entities. Uh uh. So I think they’re trustworthy and they certainly have the ability to service and aren’t properly insured. So that if something happens, you know your value is protected. And that’s primarily what you pay for as a storage fee is a percentage of value. Not so much number ounces that you have there, but the value percentage, because it is an insurance, uh, related value, right? The value goes up, they’ve gotta get more insurance so they get a higher storage fee for that same amount of metal if the value increases, which is unlike other assets. So I do have a couple of those I recommend that are run by professional. Companies that have been in business for years that we know would trust and have performed perfectly. If you wanna store, um, physical metal now gold is compact. You know, a hundred ounces is smaller than a paperback novel and it’s $450,000 worth of value today. You could, I could literally have one bar in each one of my coat pockets and be walking around with almost a million bucks in my pockets, and no one would know. Silver. You know, silver creates a bigger problem because it takes 70 ounces of silver to equal an ounce of gold. So there’s a lot more volume involved and a lot more weight, which is why sometimes these facilities make more sense if you wanna store something that’s more bulky like silver. But if you’re gonna store gold somewhere, that’s not easy to find. You wanna make sure somebody you trust behind you knows where it’s just in case something happens to you. Right? Yeah. Um. What, um, how difficult is it, uh, Dana, for someone to, I guess, say they wanna sell, say maybe they need to sell one of those bricks in your pocket there? Uh, and, and, um, is that a, um, a process that, I mean, it’s, you know, it’s not as easy as clicking a button at that point, right? But to make sure that you get the best possible price for your gold and all that, I mean, you’re not gonna go to a pawn shop and. Oh, that, so like, I, I’m just curious on the mechanics of that. ’cause I’ve, you know, I’ve, I’ve never sold, you know, physical gold for anything. So, so our, our company’s a physical dealer. We’re a hybrid between Amazon and a financial institution. And that, uh, we sell something online or over the telephone. The price is always changing on a minute by minute basis, but it’s like you’re buying shoes. It’s just, you know, you don’t quite know what the price is gonna be. So we physically, you know, figure out which product you should purchase, what’s best for you, and then we ship it to you if you want to sell it, it’s just the reverse of the transaction. You have to present it for delivery, which means you have to ship it back to, uh, your dealer, or, you know, physically deliver to them, and you get paid immediately upon delivery. So, um, you know, we, we do business like a financial institution. You can call us up, place a transaction over the phone. Uh, if it’s a smaller transaction, we’ll do that without deposit funds. If it’s a bigger transaction, we don’t know, you will want funds first, but once we lock in, that’s the price. Just like when you buy stock and then you pay the balance or, or we ship you the merchandise, whichever comes first. Um. You get it, inspect it, make sure you, you got what you’re supposed to get. In fact, it, you know, in the last two years with this gold price just climbing higher and higher, we’ve got a lot of clients that are complacent. They like the stock market that’s been hitting record highs, uh, and they’ve been shedding gold. We’ve actually bought more gold as an industry, not just our company, but as an industry in the last year than we’ve bought in a single year in 20 years. So it’s very easy to reverse the transaction. But what I would tell you. For your listeners is, and this is important, you should buy sovereign minted products, gold ounces, silver ounces, one ounce gold coins. They’re really just round bars made by the US Mint, the Royal Canadian Mint, the British Royal Mint. The Austrian Mint instead of refinery made. One ounce bars or 10 ounce bars or kilo bars of gold because we have a modest but growing problem with Chinese counterfeits. The Chinese can take tungsten and plate it with gold and pass it off as reel, and they can do that much better with refinery made bars that have plain design pictures stamped onto them. They can replicate those very well, but they cannot replicate the intricate pictures. The US Mint or the Canadian Mint, or the Austrian mint, British royal mint stamp onto that one ounce gold coin. We call it a coin. It’s just a round bar made by a mint that struck with dyes like a coin. And all of the mints around the world have introduced minute anti-counterfeiting design elements into the picture that they stamp on their coins to deter Chinese counterfeits. And it’s working. So the most important thing is, you know, do business with a reputable dealer that’s been around a long time, that has a good reputation, not a, not some new entity, right? You wanna find a, a trusted member of the community and develop a relationship that makes buying again or selling very easy. Once you have a relationship with a dealer, and we know the product you’ve purchased, we’ll take it back very easily. Uh, silver is, you know, people talk a lot about it in the context of, you know, the lump it with gold but has very different characteristics. Um, how do you think about silver today? I love silver today. Uh, it’s, it’s a metal at times as hard to love because every time it makes a big gain, it can give it up pretty easily. It’s more volatile than gold, but gold’s about 90% monetary metal in 10%. Commodity metal silver’s about 50 50, but what silver has going for it is, uh, a couple of unique characteristics that virtually no other metal comes, uh, as close to, which is conductivity of heat and electricity. Silver is amazing in that it’s the best at conducting both heat and electricity. I’ve got a one ounce silver coin on my desk here, and if you take this coin and hold it between your fingers and take an ice cube. You can literally cut that ice cube in half in about 6, 7, 8 seconds with a pure silver coin because the heat from your fingers gets transmitted to the coin and goes right through the ice cube. That’s just a simple example of how conductive silver is for temperature, and we have a structural supply deficit in the silver market that we’ve had for about five years now, where the industry. Is consuming more silver than comes out of the ground on an annual basis. So we’re eating into the above ground supply. Uh, so fundamentally that’s the supply and demand equation favor silver. Uh, plus because gold is moved up so much in price, silver is getting a rotation into it because it’s underperformed relative to gold until just recently where it’s played catch pretty sharply in just the last three or four months. If you measure. How many ounces of gold, uh, how many ounces of silver it takes to equal an ounce of gold, the gold to silver ratio back in April. That was a hundred to one, you know, which was an extreme. Today that ratio is a, is a little under 70 to one. It’s 67, 68 to one. So silver has played up in ketchup in price. Where is that historically? Uh, well. Normally it’s between about 40 to one and 80 to one with about 60 to one as the, as the pivot point where it’s in, they’re in equilibrium. But in the last four or five years with gold leading and silver lagging, we’ve routinely been in the 85 to 90 to one range. Uh, and we actually hit a hundred to one in April of this year, uh, which was the highest it’s been, um, except for when we had a kind of a knee jerk in the medals during COVID, which was an anomaly. Uh, didn’t last. So, but anyway. Silver is playing ketchup because it’s been undervalued relative to gold. Um, and we’ve seen, you know, people that wanna be in the metals, but think gold’s a little expensive. They’ve rotated out of gold, and we’ve seen some of that money move into silver and also into platinum. Now, platinum was under a thousand dollars this time of year ago, and it’s almost $1,900 announced today. So it’s almost platinum’s up, uh, almost a hundred percent now. This year where silver’s up 120% this year and a lot of this demand is driven globally. We’ve seen huge demand in silver in India this year because gold is so, has become so expensive, and that’s what I mean by a global run on the, on the bank. It’s not just China, Japan, it’s India too, and Europe as well. Physical buying and et f buying ETFs are available around the world in precious metals now that really haven’t been very impactful until this year. Um, but that’s what the world’s doing, you know? No discussion these days on gold is complete without at least mentioning Bitcoin. Uh, you know, and, and it’s, it’s interesting because, um, you know, even within the, uh, uh, gold world, I mean, there’s, there’s some prominent people who are really bought in to Bitcoin. Like I, Lawrence Lepert has been on the show multiple times now, and Larry’s all in. Um, just curious as a, you know, as a gold person, what do you see where, what do you see the role or do you not believe in this thing? Do you believe it is a, a parallel? Um, I, there’s so many things that you say about gold. That I’m like, yeah, you can say that about Bitcoin too and carry, you know, millions of dollars in your pocket. You can, you know, it’s, uh, there’s a very little amount of it. Um, obviously it’s new, right? Gold has been around for, since the beginning of time and, and now we’ve got 2009 for Bitcoin. What is your view? How are you seeing it? May, how are your colleagues seeing it in the gold space? Well, a couple different points to make here. Um, you know, when, when Bitcoin came out in 20 10, 20 11, you know, one of my friends in the, in the precious metals business told me I should buy it when it was 20 bucks and I didn’t get it. So I didn’t do it, and that was a big mistake on my part. But Bitcoin has one advantage that no other currency or gold has, which you can move serious money over borders easily. You’re right, you can carry it around in your pocket, in your wallet and, um, you know, you carry a lot of value around and transfer it at the, you know, click of a button. And no co counterparty risk, just like you said with gold, right? Yeah. Well, there’s some modest counterparty risk with, with bitcoin that you, you have counterparty risk with gold and theft as well. Um. Bitcoin is volatile. It’s, you know, it’s, it’s very volatile. It’s still the speculative investment. I mean, it was 124,000, you know, four months ago, and now it’s about 85,000, 90,000. So there’s volatility there that gold doesn’t have. But more importantly, what I’ve seen in my career is a generational divide. The older, older people, you know, 45 and older, like gold and silver. Younger people that grew up with phones in their hands like Bitcoin. The volatility in Bitcoin that we’ve seen in these two big selloff cycles in Bitcoin have not the first one, but the second one have helped to bring some of those younger people into the stability of gold, especially in the year when gold is doing pretty well. ’cause it then it kind of has a little bit of that Bitcoin allure, which is, you know, get rich quick. But, um. Bitcoin’s volatile, but it’s here to stay and it is now the most respected cryptocurrency. Like I almost bought Ethereum, you know, 10 years ago when one of my friends was explaining both to me and said that Ethereum basically had better fundamentals. But you know, it’s kind of inventing, it’s kinda like investing in a. What, uh, beta, beta max instead of VHS back in the day. Some of the older people remember that. You bet on the wrong horse, you know? Yeah, exactly. Well, you’ve, uh, you know, you built this, uh, firm on transparency, integrity, uh, in an industry that doesn’t always have the best reputation. Right? So for investors who decide that precious metals belong in their portfolio. Uh, how can they get a hold of you? Well, our website is, uh, A-M-E-R-G-O-L d.com. Uh, we don’t have, you know, 10,000 items on our website. We have a, we have a small listing of what available products are because we stick with mainstream items, products that are primarily easy to sell, uh, competitively priced, widely traded, and easily understood. Um, uh. Uh, email address is info I nfo@amggold.com. Uh, we have a toll, toll free number 806 1 3 9 3 2 3. Uh, we’re consultative in nature. We’ll, we’ll answer any questions. Happily, gladly, uh, no transactions too small or too large. What we really wanna do, uh, is help people because if we do that, we help ourselves. And when you treat people right, it, it comes back. And our industry does have a chair of bad actors. And, um, you, you wanna make sure that you do business with someone reputable that’s been in the industry a long time. And I understand some people may wanna do this locally where they can actually walk into a place of business. Do this instead of over the phone. So look for dealers that have, you know, longstanding, uh, businesses and good reputations. If you see a reputation that, uh, has some complaints, you know, there are other choices for you. But, um, we just try and help people buck. That’s really what we try and do. We certainly have the reputation for it. Dana. So thank you so much for being on Wellfor podcast. Well, thanks for having me. It’s great to see you again, and I wish you a great success in 2026 and a happy holiday season. You too. 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, a 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 out 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 wealth formula banking.com. Welcome back to Show England. Hope you enjoyed it and, uh, I will. Uh, I should admit though, that if you go back and you listen on my, uh, past shows, this is one that I was wrong on. I, I’ve never been a gold bug. My biggest issue with gold. Um, has always been, you know, from an investment thesis that it doesn’t really do anything, doesn’t yield anything, and what’s the point of owning it rather than owning, uh, real estate. And actually, if you just look at what I said, it’s, it’s still, it’s still, it’s still kind of true, right? I mean, you can argue, well, yeah, the real estate markets really did, uh, did struggle over the last couple years. But listen, at the end of the day. The real estate market struggled because of leverage, right? Gold. There’s no leverage, no one’s borrowing, buying gold on leverage, and so it can go up and down and it doesn’t really hurt anybody. If you take the last couple decades and you know how much people made from, uh, real estate versus Bitcoin, even though there’s this huge, uh, huge uptick in Bitcoin now it’s, it’s probably the case that they come out pretty close. If not, uh, you know, real estate still being the winner. But anyway, uh, I do want to say and admit that I was wrong. That, uh, that the gold wasn’t really worth, uh, owning. I think, uh, you know, I wish I had owned some, just like a lot of people wish they’d own Bitcoin at $6,000, right? Um, in fact, I will say that one of the things in hindsight that I think of is gold in many ways for the last several years was on sale. And I haven’t really been talking about this as much, but I’ve been reflecting on this a great deal about making sure that as an investor you wake yourself up once in a while and ask, okay, well, what’s on sale? Well, gold was on sale for a while. Silver was definitely on sale. Right? Um, doesn’t mean you have to go in, have, you know, 50% of your portfolio in something like that, but when something’s on sale, it’s not a bad idea to look around. And maybe get, you know, get a little bit of exposure. I do think that real estate is there right now. I think real estate, you know, if you’re in the credit investor group, you’re seeing on a routine basis 30%, uh, discounted offerings from just a couple years ago. And I do think that’s on sale right now. But there are other things as well, arguably. I mean, I, I actually think that Bitcoin is, uh, uh, sort of on sale right now. I mean, sitting at 86,000, anybody who thinks it’s not gonna go to a hundred thousand at some point in the next, you know, 12 months is, I mean, I think it’s highly unlikely that it doesn’t go to a hundred thousand, right? So think about that right now. That’s like a 14% gain right then and there. Anyway, sometimes it’s good to just look around and see what’s on sale. Uh, that’s my message for this week. Uh, this is Buck Joffrey with Wealth Formula Podcast signing off. 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.

Mark Thompson breaks down why massive lines are forming outside California businesses — not because of quality alone, but because of FOMO. He explores how restaurants and brands create cultural “must-be-there” moments, then widens the lens to the wave of restaurant closures across Southern California following January’s wildfires, declining tourism, and Hollywood’s continued pullout.See omnystudio.com/listener for privacy information.

The Niners pull away from the Colts in Indy on MNF so we ask is Brock Purdy a top 10 QB? I Philip Rivers' uniform caught our eyes I Is Maggie getting FOMO?

Are you worried that one holiday meal—or one indulgent week—could ruin your chances to get pregnant?If you're trying to conceive, the holidays can feel overwhelming—pressure to indulge, fear of messing up your hormones, and guilt after eating certain foods.By listening to this episode, you'll discover...-How holiday foods impact your hormones, blood sugar, inflammation, and ovulation-The biggest fertility-disrupting eating mistakes you could be making during the holidays-A realistic, supportive way to enjoy holiday meals while protecting your fertility and nervous systemPress play to learn how you can fully enjoy the holidays and support your fertility at the same time—without FOMO, guilt, fear, or burnout.

Sign up for FREE COACHING with Alli – https://alliworthington.com/freecoaching    Today, I want to share Chapter 4 of Fierce Faith: "What If They Don't Like Me?" I open up about my own rejection stories and the everyday ways fear of rejection shapes our choices. It's a fear we rarely talk about, but it shadows much of what we do.   Think about it—whether we post that picture we're proud of, share a new dream with our spouse, or open up to a new friend, fear is right there, whispering doubts. And most of us don't even realize how much power we've handed it.   My prayer is that this chapter helps you recognize and release the fear of rejection, so you can step into 2026 with hope, holy confidence, and courage, embracing your authentic self.   Timestamps: (06:13) - How Rejection Steals Our Joy (and Why We Don't Notice It Happening) (10:35) - Everyday Rejections: The Subtle Moments That Shape Our Confidence (16:29) - The Ultimate Rejection (21:06) - A Battle Plan to Fight the Fear of Rejection with Strength and Clarity (25:20) -How to Recover When We Feel Rejected and Come Back Stronger WATCH ALLI  ON YOUTUBE   Links to great things we discussed:    Catalyst Mastermind The Uplift app is here! Try it free for 30 days.   I hope you loved this episode!

Stijn Schmitz welcomes Lobo Tiggre to the show. Lobo Tiggre is Author and Founder of the Independent Speculator Founder and CEO of Louis James LLC. The conversation explores the current state of precious metals and broader commodity markets, with Tiggre offering a nuanced perspective on the ongoing bull market. While gold has reached impressive heights, hitting over $4,000 and silver surpassing $66, Tiggre believes the market is not yet at its peak. He anticipates a potential consolidation period similar to previous market cycles, which could provide opportunities for investors who missed earlier entry points. Tiggre highlights significant macroeconomic factors driving precious metals, including widespread inflationary pressures, central bank gold buying, and a potential reallocation of investment portfolios towards gold. He notes interesting developments like Tether’s substantial gold purchases, which exceed those of many central banks, and increasing institutional interest in gold as a hedge. Regarding other commodities, Tiggre is particularly bullish on copper, citing constrained supply and growing demand from various sectors including technology and population growth. He remains cautious about oil, lithium, and nickel, waiting for more compelling value propositions. On the potential for a market rotation into precious metals during an economic downturn, Tiggre believes such a scenario is possible but warns that sudden market crashes could temporarily impact even safe-haven assets. He advocates for maintaining liquidity to capitalize on potential market overreactions, emphasizing the importance of being prepared to invest when opportunities arise. Tiggre’s investment philosophy centers on seeking conservative, value-driven opportunities rather than chasing momentum. He suggests investors should be patient, avoid FOMO, and be ready to act when market conditions create genuine value propositions. His overall outlook remains constructive on precious metals, with an expectation of continued long-term growth driven by fundamental economic shifts. Timestamps: 00:00:00 – Introduction 00:01:04 – Precious Metals Bull Outlook 00:03:13 – Inflationary Macro Pressures 00:06:32 – Central Bank Gold Buying 00:08:47 – Retail ETF Flows 00:09:46 – Tokenized Gold Demand 00:15:28 – Silver Physical Crunch 00:19:53 – Mining Stocks Value 00:29:38 – Base Metals Opportunities 00:35:51 – Oil Market Analysis 00:40:15 – Nickel Supply Challenges 00:42:55 – Recession Fears Discussion 00:47:16 – Capital Rotation to Metals 00:51:31 – Concluding Thoughts Guest Links: Website: https://independentspeculator.com X: https://x.com/duediligenceguy Facebook: https://www.facebook.com/louis.james.965580/ LinkedIn: https://www.linkedin.com/in/lobotiggre/ Lobo Tiggre, aka Louis James, is the founder and CEO of Louis James LLC, and the principal analyst and editor of IndependentSpeculator.com. He researched and recommended speculative opportunities in Casey Research publications from 2004 to 2018, writing under the name “Louis James.” While with Casey Research, he learned the ins and outs of resource speculation from the legendary speculator Doug Casey. Although frequently mistaken for one, Mr. Tiggre is not a professional geologist. However, his long tutelage under world-class geologists, writers, and investors resulted in an exceptional track record. A fully transparent, documented, and verifiable track record is a central feature of the IndependentSpeculator. Mr. Tiggre will put his own money into the speculations he writes about, so his readers will always know he has “skin in the game” with them.

When every day in November is "Black Friday," does the actual day lose its power? This debate reveals something fascinating, even when retailers stretch deals across a month, buying confidence still peaks on the two core days, creating a logistics advantage without diluting the psychology.Join hosts Chuck Moxley and Nick Paladino as they debate whether Black Friday still matters when it's been stretched from a single day into an entire month-long event. Sparked by Chuck's LinkedIn post about walking through Kohl's in mid-November seeing "Black Friday Exclusive" signs everywhere, the conversation explores why consumers remain skeptical of early deals even as they snap them up, how spreading sales across November solves crushing logistics problems for retailers trying to maintain two-day shipping promises, and why the core days still drive peak conversion despite weeks of promotions. Nick shares his terrifying experience working Best Buy's Black Friday floor in 2009 Alabama when customers literally ran through the doors. He also brings actual sales data showing conversion rates and revenue rise the moment November 1st sales launch, debunking Chuck's assumption that extended promotions dilute results. The data proves retailers get incremental lift throughout November while consumer skepticism still funnels peak confidence to core days. Chuck counters by dissecting why brands like Walmart now need novelty stunts (mac and cheese TVs that sold out instantly) and Target's mystery bag gimmicks to recreate urgency that scarcity naturally provided. They trace Black Friday's evolution from a 2005-onwards phenomenon to today's reality where many retailers operate at a loss on the day itself, turning it into a brand-building loyalty play rather than the profitability milestone its name suggests.Key Actionable Takeaways:Spread promotional periods to manage logistics without losing psychological impact - Extended Black Friday sales let retailers handle order volume smoothly while consumer skepticism keeps the core days meaningful, with buying confidence still peaking on actual Black Friday/Cyber Monday regardless of when deals startLayer exclusive scarcity mechanics over broad sales to maintain urgency - When discounts lose their power through month-long availability, add limited-quantity novelty items that create genuine FOMO and drive store traffic on peak daysAccept that promotional days may now be brand investments, not profit drivers - Many retailers operate at a loss on Black Friday itself; treat these tent-pole events as customer acquisition and loyalty-building opportunities rather than expecting immediate profitability from the day's transactionsJoin the conversation on Chuck's LinkedIn post: https://www.linkedin.com/posts/chuckmoxley_black-friday-doesnt-mean-black-friday-anymore-activity-7396604576533078016-VpgN?utm_source=share&utm_medium=member_desktop&rcm=ACoAACxCBJIBkJ2HEkFHwNUNKGOk_M2daoi5Md4 Want more tips and strategies about creating frictionless digital experiences? Subscribe to our newsletter! https://www.thefrictionlessexperience.com/frictionless/Download the Five Step Site Speed Target Playbook: http://bluetriangle.com/playbookNick Paladino's LinkedIn: https://linkedin.com/in/npaladino Chuck Moxley's LinkedIn: https://www.linkedin.com/in/chuckmoxley/Chapters:(00:00) Introduction(01:00) Chuck's Kohl's experience(02:30) The LinkedIn post(03:15) Buying confidence still peaks on core days(04:15) Does stretching sales dilute the moment?(05:30) Consumer skepticism vs. actual buying behavior(06:00) The logistics advantage of month-long promotions(08:15) Nick's 100% Black Friday shopping strategy(11:30) Cyber Monday origins and evolution(14:15) Why Cyber Monday became the bigger online day(16:00) Black Friday vs. Cyber Monday deals(20:45) The shift from in-store chaos(22:15) Nick's Best Buy Black Friday war stories(23:35) Modern scarcity tactics(26:00) Black Friday origins(27:00) Conclusion

Insta https://www.instagram.com/bradfinn_ny/FREE Ultramarathon Chat! https://discord.gg/4QMxjFyQGJIf you buy a pair of Mount To Coast Shoes us code "BRADF" at checkout to get 10% off!In this episode, Brad returns after a short hiatus to break down the "highs and lows" of his recent training block. After a tough DNF at UTMB and a redeeming finish at the Tesla Hertz 100-miler, Brad shares the major shifts he's made to his training philosophy. The theme for this winter block is "Keep It Simple". We dive into stripping away the over-complicated data, fixing chronic stomach issues by simplifying nutrition, and the specific run/walk strategy Brad is using to target a sub-24-hour finish at the upcoming Long Haul 100. Brad also opens up candidly about mental health, the pressures of social media, and balancing life as a dad.In this episode, I discuss:The "Keep It Simple" Approach: Why Brad stopped obsessing over rigid schedules and started training by feel to maximize volume.Nutrition Overhaul: How switching to a water-heavy, low-sodium, and gel-based strategy finally solved years of nausea and GI issues.Rethinking "Easy" Runs: Why running too slow was holding back fitness and how finding the right intensity within Zone 2 has led to a massive fitness boost.The 18/2 Strategy: Breaking down the 18-minute run / 2-minute walk strategy for flat 100-milers to manage fatigue and maintain pace.Data-Driven Tapering: Using TrainingPeaks "Form Score" to avoid the "flat" feeling of a traditional taper.Mental Health & Identity: Navigating social media changes, dealing with follower loss after a DNF, and prioritizing family over "FOMO" events.

Have you noticed a shopping addiction ramp up with Black Friday Sales & the Christmas season? Or maybe you struggle with this all year round? In this week's episode, Chris & Filly dive into a listener's question: “I'd love to hear you guys talk into the connection between burnout and shopping addiction, hoarding, struggling to declutter. FOMO of purchasing items, sales, struggling to let go of items. I've noticed in myself and others that shopping interests reduce when feeling healthier and flowful in life”. In today's episode, Chris & Filly talk about: Ways shopping addictions and spending scarcity show up How this is connected to body burnout How dysfunctional spending habits have shown up for Chris & Filly (& an impromptu real-time coaching session!) Childhood programming that leads to spending habits The role low dopamine plays in spending Why shopping urges fade when you deeply heal Coaching questions & tips to change your spending habits Show Note Links: Check out how you can work with us here Take the Ending Body Burnout Assessment QUIZ here Disclaimer: This Ending Body Burnout Show podcast and any information, advice, opinions or statements within it do not constitute medical, health care or other professional advice, and are provided for general information purposes only. All care is taken in the preparation of the information in this Podcast. Chris & Filly Functional Medicine does not make any representations or give any warranties about its accuracy, reliability, completeness or suitability for any particular purpose. This Podcast and any information, advice, opinions or statements within it are not to be used as a substitute for professional medical, psychology, psychiatric or other mental health care or natural medicine health care. Chris & Filly Functional Medicine recommends you seek the advice of your doctor or other qualified health providers with any questions you may have regarding a medical condition. Inform your doctor of any changes you may make to your lifestyle and discuss these with your doctor. Do not disregard medical advice or delay visiting a medical professional because of something you hear in this Podcast. To the extent permissible by law Chris & Filly Functional Medicine and the Ending Body Burnout Show Podcast will not be liable for any expenses, losses, damages (including indirect or consequential damages) or costs which might be incurred as a result of the information being inaccurate or incomplete in any way and for any reason. No part of this Podcast can be reproduced, redistributed, published, copied or duplicated in any form without the prior permission of Chris & Filly Functional Medicine.

In this episode we answer emails from Jenna, Kevin, and Jack Rabbit.  We challenge the myth of “never pay taxes” and show how to transition scattered holdings into a Golden Butterfly framework while keeping taxes manageable. We also examine Bitcoin's role, review sample portfolio performance, and share new listener-created bonus material on the site.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterJack Rabbit's Creation re Episode 208 (Advice for Beginning Investors):  A Parable for Beginning Investors in the Land of Oz"Free Steak Dinner" Rant Episode:  Episode 321: A Small Rant About Newman Selling Annuities At Local Steakhouses | Risk Parity RadioBreathless Unedited AI-Bot Summary:You can optimize a portfolio to the comma and still miss the point if the tax tail is wagging the rest of your life. We dive into a common blocker—fear of realizing gains—and replace it with a better plan: build the mix you actually need, then minimize taxes over years with smart account placement, specific-lot sales, and well-timed gain harvesting. From there we lay out a practical route to a Golden Butterfly structure—growth and value stocks, long Treasuries, gold, and short-term bonds—implemented primarily inside tax-deferred accounts to keep the brokerage account's changes light and intentional.Along the way, we tackle a hot question on Bitcoin. Our take is grounded, not tribal: no income, high volatility, and shifting correlation that often mirrors high-beta growth. If you must touch it, keep it tiny so it can't steer your long-term outcomes. More important, we reframe risk tolerance: being comfortable with swings isn't a destination. Decide whether your target is maximizing lifetime spending or terminal wealth, then right-size volatility and liquidity to fit that goal. Finance comes first; the personal is how you stick to it.We round out the conversation with a market scoreboard—gold's surge, equities' strength, managed futures' late-year pop—and a transparent look at model portfolios, from classic all-weather to a measured, levered stack that's built for accumulators who accept higher swings. We also share a listener-made “graphic novel” twist on a past episode now posted as bonus material. If you're ready to shed tax paralysis, align your assets with your life, and use diversification that actually works across regimes, this one's for you. If you enjoyed it, subscribe, leave a review, and tell us: what's the next move you'll make to simplify and realign your portfolio?Support the show

Introduction Is artificial intelligence the next investment gold rush—or are we watching another government-subsidized bubble inflate before our eyes? With Ford Motor Company writing down $19.5 billion on electric vehicles and tech giants pouring hundreds of billions into AI infrastructure, investors over 50 face a critical question: how do you separate genuine opportunity from dangerous speculation? In this episode of The Tom Dupree Show, Tom Dupree, Mike Johnson, and James Dupree examine the dramatic collapse of EV investments and the explosive growth in AI and data center buildouts. Drawing on research from Dupree Financial Group’s six-person investment committee—including direct calls with data center developers—they reveal how to evaluate hot investment trends without getting burned. With 47 years of investment experience, Tom brings hard-earned skepticism to separate sustainable opportunities from the kind of government-backed disasters that just shut down Kentucky’s Blue Oval battery plant. Ford’s $19.5 Billion EV Disaster: A Cautionary Tale Kentucky’s Battery Plant Shuts Down Ford Motor Company shocked investors with a $19.5 billion write-down on its electric vehicle business, abandoning ambitious plans for full-size EVs like the Ford Lightning pickup truck. The casualty? Kentucky’s Glendale Blue Oval Plant near Elizabethtown—once promised to employ 5,000 workers—has laid off all 1,500 current employees indefinitely. “Ford takes a 19 and a half billion dollars write down on their EV business,” Mike Johnson reported. “Essentially they are getting away from full-size electric vehicles.” Tom Dupree had predicted this outcome over a year ago: “I think it might be that guy named Tom Dupree who said a year and a half ago that that thing would never happen.” Government Mandates vs. Market Demand The Blue Oval failure illustrates a critical investment principle: government subsidies create artificial markets that collapse when support ends. “All of this was coming from government mandates. This was not driven by market demand for electric vehicles,” Mike explained. “The demand was not there because the infrastructure is not there yet. It was this heavy hand of government forcing the market to accept this product that they didn’t want.” What went wrong: Political mandates drove investment, not consumer demand EV infrastructure remains inadequate for mass adoption Manufacturing costs exceeded profitable pricing When subsidies decreased, the business model collapsed Why Toyota Won and Ford Lost While Ford chased government EV subsidies, Toyota focused on hybrid technology—matching actual consumer readiness and avoiding financial catastrophe. “You know who didn’t do that? Toyota,” Mike noted. “Toyota was focusing on hybrid. That was their core focus. And so they’re not taking a 19 and a half billion dollars write down.” Investment lesson for retirees: Companies building products consumers actually want—rather than products governments mandate—create sustainable returns. From Battery Hype to AI Hype: History Repeating? The 18-Month Investment Shift “A year and a half ago it was all about batteries,” Tom observed. “Look up some of these battery stocks, James. I bet a lot of ’em are just in the doldrums.” The investment landscape shifted with stunning speed from battery plant euphoria to AI infrastructure mania. The question: is AI different, or are investors making the same mistake twice? Inside Dupree Financial Group’s Data Center Research James Dupree coordinates research for the firm’s six-person investment committee, scheduling calls with company management and conducting initial analysis. The entire committee recently participated in a research call with Applied Digital, a data center developer leasing facilities to tech giants. “We talked about Applied Digital on the last show,” James explained. “They’re the data center landlord. They build and rent out the data centers.” The Hyperscaler Spending Analysis James’s research revealed critical distinctions between sustainable AI investment and dangerous speculation. “The first thing that the guy showed us was he pulled up a list of the hyperscalers—Microsoft, Amazon, Meta, Oracle, OpenAI, all these guys,” James reported. “And he was showing their sales and then he told us how much they’re gonna spend.” James’s assessment: “Amazon good, Microsoft good, Meta okay—they’re kind of getting on that bubble where they’re spending a little bit too much. Meta does 160 billion in sales and they’re supposed to spend 70 billion,” James detailed. “And then where it really gets dicey is Oracle. They do 50 billion in sales and they’re supposed to spend 500 billion. So that’s a red alert there.” This granular analysis—comparing capital spending to revenue—separates professional investment management from amateur speculation chasing headlines. Data Centers: Real Demand or Another Subsidy Bubble? The Power Shortage Reality Unlike EVs, data centers address a genuine infrastructure shortage: 40-90 gigawatts of power capacity needed in the United States. What makes data centers potentially valuable: Legitimate power shortage driving demand Long-term triple-net leases (Applied Digital secured 15-year, $11 billion lease) Potential conversion to REITs for steady income The critical risk—chip obsolescence: “Inside that data center, you’ll literally have $3 billion in chips in that building,” Mike explained. “And right now we don’t know exactly what the useful life of those chips are. Who’s gonna take the liability if these things only have a use life of three years instead of five years?” Government Involvement: Red Flag or Validation? James reported recent news about Core Weave, Applied Digital’s anchor tenant: “Core Weave had some big news today. That stock’s up 23% on the news. The government came out and said that they would be a part of a program related to energy, so the government’s backing that company.” But Tom immediately questioned the parallel to Ford’s disaster: “I kind of have a problem with governments picking winners and losers. That’s something that the Democrats were known as doing, and now the Republicans are doing it.” Examples of government market intervention failing: MP Materials: Government backing, stock dropped from $50+ to $15 Intel: Massive subsidies, uncertain outcomes Kentucky’s Blue Oval Plant: Complete shutdown after enormous investment Tom Dupree’s Investment Skepticism: The Voice of Experience Learning from 47 Years of Market Cycles Tom’s experience provides essential counterbalance to research enthusiasm about hot new sectors. “People are suckers for deals. If they think something’s hot, they jump on it, buy into it. They don’t spend much time thinking about whether it’s feasible or not,” Tom cautioned. “Two and a half years ago people were all over the battery plant thing. It was never gonna work. It was all just hype.” Historic bubbles Tom has witnessed: Dot-com crash (2000-2002) Housing bubble (2008) Battery/EV hype (2022-2024) Potentially: AI overinvestment (2024-?) The “Bigger Money, Bigger Dummies” Principle Tom’s most provocative observation challenges assumptions about tech giant spending: “If the seven largest companies are putting all this money in it, do you think they’re gonna go to zero? No, but the bigger the money, the bigger the dummies sometimes,” Tom warned. “They follow each other. If so-and-so’s doing it, we gotta do it. That’s FOMO. They don’t wanna get left behind.” The Picks and Shovels Strategy Rather than betting on which AI platform wins, Tom advocates investing in essential infrastructure. “I think you invest in not the project itself, but in the people that surround the project—selling picks and shovels to the gold miners,” Tom explained. “Levi’s sold workwear to the gold miners and they became a much bigger company than the gold miners ever did.” Modern picks and shovels: Cooling system manufacturers (like Vertiv) Power infrastructure companies Industrial automation suppliers Data center construction firms The Investment Committee Advantage How Six Perspectives Beat One This episode revealed Dupree Financial Group’s collaborative research process—a six-person investment committee evaluating every opportunity. “What I think is really interesting about this entire conversation is the listeners have gotten a snapshot of why, how we research companies. What information comes out of research, questions asked, and then you get the snapshot of Tom shooting holes through it.” The committee process: Research coordination (James schedules calls, conducts initial analysis) Committee participation (All six members join company calls) Analytical framework (Mike examines spending ratios, cash flow) Devil’s advocate (Tom stress-tests with historical perspective) Risk-based sizing (Committee determines appropriate positions) “With any investment, you identify what the risks are,” Mike explained. “And when you identify the risks, then you can make a better decision as to, okay, does the potential reward justify those risks? That’s why these are small positions in the portfolio, but they serve a purpose in the overall grand scheme.” Market Discipline: Encouraging Signs Investors Punishing Excessive Spending Unlike past bubbles where markets rewarded unlimited capital deployment, current market behavior shows healthy skepticism. Recent examples: Meta’s stock rewarded for reducing metaverse spending Oracle’s stock punished for excessive debt-fueled AI investments Market demands cash-flow funding, not leverage “What was scary is when the market just didn’t care,” Mike noted. “That’s when you get major issues with bubbles and speculation. And now you’re starting to see some discernment there.” Warning Signs to Watch

The Death of "Vibe Revenue": Agentic P&L, The 2026 Audit & New AI Metrics (CPSO vs. RPA).The era of "Vibe Revenue"—valuations built on flashy demos and FOMO—is officially over. In this special strategic briefing, we unpack "The Great Sobering" of 2026. As CFOs stop funding open-ended experiments, we introduce the rigorous financial framework that will define the next year: Agentic P&L.We break down the "Great Chasm" between technical capability and actual EBIT, and we teach you the three defensive metrics you need to survive the coming audit: Cost Per Successful Outcome (CPSO), Revenue Per Agent (RPA), and the Agentic Workflow Displacement Rate (AWDR). It's time to stop paying for output tokens and start paying for business outcomes.Key Topics & Timestamps:The Executive Summary: Why 2025 was the party and 2026 is the audit.The Concept: Defining "Agentic P&L"—treating AI not as software, but as labor with a quota.Metric 1: CPSO: Why "time saved" is a vanity metric and how to calculate Cost Per Successful Outcome.Metric 2: RPA: Revenue Per Agent—measuring the top-line contribution of your digital employees.Metric 3: AWDR: The Agentic Workflow Displacement Rate and the "Great Chasm" of adoption.The Strategy: Moving from token-based pricing to outcome-based contracts.Keywords: Agentic P&L, Vibe Revenue, Cost Per Successful Outcome, CPSO, Revenue Per Agent, RPA, AI ROI, AI Audit 2026, AI Unit Economics, Agentic Workflow Displacement Rate, AWDR, Etienne Noumen, AI UnraveledSource: https://djamgatech.com/wp-content/uploads/2025/12/AIs-Shift_-From-Vibe-to-PL.pdfCredits: This podcast is created and produced by Etienne Noumen, Senior Software Engineer and passionate Soccer dad from Canada.Host Connection & Engagement:Connect with Etienne: https://www.linkedin.com/in/enoumen/Advertise on AI Unraveled and reach C-Suite Executives directly: Secure Your Mid-Roll Spot here: https://forms.gle/Yqk7nBtAQYKtryvM6

This is a fan fav episode. You are living through exciting and strange times. There are so many technological advances with AI, space travel, NFTs, and a rapidly changing culture with social media, it's near impossible to just turn ‘off'. Let's admit it, FOMO is real and it keeps a lot of people connected when they're not even sure why they're connected. When was the last time you unplugged and took on a challenge you weren't sure you'd complete? How long has it been since you've sat with yourself in total silence or allowed yourself to just be bored out of your mind? Author and journalist, Michael Easter, joins me today to discuss his journey and share the lessons and insights he's gained from spending a month in the Arctic surviving. Hunting his own food, carrying heavy loads, and sitting with absolute boredom are just part of his story. As you listen to his story, it is my hope you will consider ways you step out of your comfort zone. There is something very freeing about being able to shake things up and break your routines and habits to improve the quality of your life in unconventional ways. This episode is about facing discomfort and finding new ways to challenge yourself for the better. Order Michael Easter's new book, The Comfort Crisis - ⁠https://amzn.to/3ihebjB⁠  Original air date: 8-5-2021 SHOW NOTES: 0:00 | Introduction to Michael Easter 1:05 | The Comfort Crisis Explained 3:02 | Journey to the Arctic 5:03 | Recovering from Alcohol 7:40 | Outside the Comfort Zone 8:55 | Helicopter Parenting Losing Challenges 12:16 | Touching Controversial Topics 14:53 | Challenges Surviving the Arctic 20:11 | Problem Creep 28:05 | Need for Rite of Passage 35:12 | Metaphorical Lions for Passage 41:19 | Comfort Creep & Habits 44:22 | Breaking Routine to be Present 47:45 | Discomfort and Boredom 50:00 | Benefits of Boredom 57:12 | Daily Routine 1:02:11 | Rucking & Human Design 1:14:05 | Killing His 1st Caribou 1:17:16 | Life Cycle & Mortality 1:27:16 | “This Too Shall Pass” 1:30:31 | Want to Live Forever? 1:39:12 | Assigning Meaning to Life 1:42:20 | Rites of Passage Transformation 1:46:12 | Problem Creep Comparison 1:50:34 | Finding Gratitude  Learn more about your ad choices. Visit megaphone.fm/adchoices

Meliss laughs about being cornered at the table with a quiet friend, how much she loves Abuelita hot coco, and reflecting on all the amazing shows and travel she did this year! 

Text Me!What if the bravest thing you do is stop negotiating with alcohol?In this episode of the Sober Vibes Podcast, Courtney Andersen sits down with women's mentor and certified EFT tapping practitioner Sophia Grinjella to explore what really happens after you decide to quit drinking and how to actually stay alcohol-free without white-knuckling.Sophia shares how quitting alcohol at 29 reshaped her identity, friendships, travel experiences, and daily energy. What started as years of moderation and “trying to control it” eventually led to a full pivot into presence, health, and self-trust. A key part of that transformation? EFT tapping—a powerful blend of cognitive and somatic work that helps regulate the nervous system, calm cravings, and replace liquid courage with embodied confidence.Together, Courtney and Sophia unpack the messy middle between deciding to quit and truly living free. They talk about grief for the old self, navigating FOMO, setting boundaries with friends, and learning how to show up at dinners, dates, airports, and social events without a glass in your hand.In this episode, you'll learn:What EFT tapping is and how it works for cravings and anxietyHow daily tapping routines can reduce urges and ease FOMOWhy the moderation cycle stalls real changeRegulating the nervous system to build absolute, lasting confidencePractical tools for airports, dinners, and social eventsHow to replace “liquid courage” with self-trustThis episode is for anyone ready to stop bargaining with alcohol and start building a life rooted in calm, clarity, and self-trust.Resources Mentioned:Subscribe to my YouTube Channel1:1 CoachingMy Book Connect with Sophia:WebsitePODCAST SPONSOR:This episode is sponsored by Soberlink, a trusted accountability tool for anyone navigating early recovery. Whether you're rebuilding trust with loved ones or want more structure in your sobriety, Soberlink offers a discreet and empowering way to stay on track.Sober Vibes listeners, sign up HERE and claim our $100 Enrollment Bonus.This episode is sponsored by ExactNature, a trusted holistic tool for anyone navigating recovery and sobriety. Use code SV25 at checkout to save on your order. Click here to shop and save. Grab my Masterclass for Free:Gain access to my Masterclass when you submit a review on iTunes. Email me sobervibes@gmail.com with a screenshot of the review, and I will send you the code to unlock my MaThank you for listening! Help the show by Rating, Reviewing, and/or Subscribing to the Sober Vibes Podcast. Connect w/ Courtney:InstagramJoin the Sobriety Circle Apply for 1:1 CoachingOrder the Sober Vibes Book

Investors are expressing FOMO big time when it comes to CoreWeave (CRWV). The stock rallied over 20% on Friday after the cloud computing company was tapped by the Department of Energy's Genesis Mission. Jeff Pierce explains why the news is important for CoreWeave while highlighting caution in the company's spending and customer concentration. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

We present to you our 7th grade understudies! These students are a part of our Health Class Media Crew and help record raw, unedited footage of our podcast AND live, on-the-spot reflection both during and after each episode.Watch the behind-the-scenes of “Outside the Classroom - Friends, FOMO, and Freedom” - Life Is The Future Podcast - S8 E7.BACKGROUNDThis video series provides the public with a look into our recording ins-and-outs while simultaneously allowing younger students to learn from our 8th grade hosts. Imperfections are part of the learning process! We are witnessing the development of adolescents as they practice life skills and navigate the ever-growing internet world— all with a positive lens.

Hello Friends! In our final wrap-up of 2025, we're cutting through the noise of the AI market. While the big names are seeing a healthy correction, the speculative "no revenue" bubble is starting to hiss. At Iron Gate, we aren't chasing the hype—we're following the legends. The Big AI Takeaway •The Correction is Here: Major players like Nvidia and Meta have pulled back 10-15%. •Speculative Stocks are Sliding: Companies with "concepts" but zero revenue, like Oklo, have dropped over 50%. •Our Strategy: We're patient. We'd rather miss the first third of a rally to ensure we're buying a fundamentally sound business. Investing Like a Legend We're sticking to two core principles inspired by Joel Greenblatt and Charlie Munger: •Rule #1: Know the Value. Figure out what a business is worth and buy it for significantly less. •Rule #2: Don't Be a Fool. It's hard to be a genius, but it's easy to not be a fool. Avoid emotional traps like envy and FOMO. Your Financial "No-Nonsense" Checklist To secure your future, Spencer recommends these three pillars: 1. Live Within Your Means: If you spend more than you make, stop. 2. Pay Yourself First: Automate your savings before the bills hit. 3. The Emergency Fund: Keep 3-6 months of cash in a high-yield account for those inevitable rainy days. Merry Christmas and Happy Holidays! We'll see you in 2026.

In this episode, I talk about the discipline of "getting centered"—why nothing good ever comes from FOMO or fear, and how I train myself to sit on my hands until the setup is perfect. I break down my recent long positions in Chinese equities (betting on the sentiment pendulum swinging back) and why I am seeing massive opportunities in commodities like Glencore while everyone else is chasing US AI.Key Topics:The Mental Game: Why I don't trade unless I'm centered and acting with "aggression and firmness" rather than anxiety.The China Thesis: The AI arms race and buying when the market is "uninvestable."Commodities: How I use custom price-action baskets to spot breakouts in hated sectors.Market Outlook: Why I'm waiting for better entries on US Tech/AI.

What a week this turned out to be! We got surprise accessory drops from 3 of our favorite companies here in pinball and I wanna talk all about it!Also we talk directly to Spooky pinball about their new 'Death Bar' upgrade briefly.It's a great time for pinball and 2026 better get it act together to compete!donspinballpodcast@gmail.compatreon.com/donspinballpodcast to support the show and get some giveaways!

This weeks Fear Of Missing Out report covers President Trumps speech to the Nation. The House passed a bill banning the mutilation of children in the name of gender affirming care. A bit of sad news in our Celebrity section. We end on a funny story about the Presidential plaques in the West Wing.

My Summer Lair host Sammy Younan  talks to Richard Young half of the Young & Strange magic duo who perform in the touring Champions of Magic. (The Champions Of Magic: Holiday Spectacular visits Toronto on December 27 - 30.) My Summer Lair Chapter #97: Who Is The Champion Of Magic? Recorded: Monday, December 8, 2025 1:00 pm (EST) For more show notes visit MySummerLair.com. Bonus Fun? Sign up for my newsletter because the F in FOMO doesn't stand for Fun. Stress free pop culture (TV shows! Books! Movies! Music! So Many Recommendations!!) tastefully harvested for your divine delight. Once a week a carefully curated edition of My Pal Sammy goes directly to your inbox. Magic or Science? You decide.  

My Summer Lair host Sammy Younan talks to smooth sax duo Mills & Hunte about their album Resound, an album of Christian covers. My Summer Lair Chapter #334: What's The Good News You Hear When You Listen To Resound?  Recorded: Tuesday, July 15, 2025 at 5:30 pm (EST) For more show notes visit MySummerLair.com. Bonus Fun? Sign up for my newsletter because the F in FOMO doesn't stand for Fun. Stress free pop culture (TV shows! Books! Movies! Music! So Many Recommendations!!) tastefully harvested for your divine delight. Once a week a carefully curated edition of My Pal Sammy goes directly to your inbox. Magic or Science? You decide.

Markets are printing fresh highs, yet some investors are getting crushed—how does that happen? In this roundtable, Ryan Payne, Bob Payne, Courtney Garcia, and Frankie Lagrotteria break down a real case of a couple in their late 50s whose “do‑anything‑to-go-faster” portfolio relied on leverage and crowd‑favorite names…right as they approach full retirement. We dissect why speculation masquerading as strategy can implode even in up markets, why “know what you own and why you own it” matters more than ever, and how to rebuild a plan centered on durable income and disciplined risk management. You'll hear why the “Ozempic portfolio” analogy fits—everyone wants the quick fix—but lasting wealth still requires basics: diversified exposure, sensible cash flow, and rules that keep emotions out of the driver's seat. We also cover today's opportunities to generate income (value, small caps, international, REITs, and bonds at still‑elevated yields), our 5% rebalance discipline, and the investor psychology traps that move the goalposts until a margin call makes the decision for you. As Bob puts it: time passes, markets operate—embrace that principle, and you'll stop chasing the cool kids and start compounding with the rich ones. What we cover: Why leverage is a “rocket booster” on both gains and losses—and how portfolios can sink while indexes rise The danger of fashion FOMO: copying friends, gym talk, or headlines instead of a plan Income blindness: several million invested but only ~$4K/year in cash flow—why that's a retirement red flag Today's income playbook: value, small caps, international, REITs, and bonds (with yields still attractive) Discipline over drama: our 5% rebalance trigger and rules that keep feelings from running your money Investor psychology: goalpost‑moving, “being right twice” in speculation, and volatility as the fee for long‑term returns Practical steps to audit and de‑risk before retirement Key takeaways: Know what you own and why. Double‑levered bets can fall even when the market is up—understand the mechanics before you buy. Build real cash flow. Retirement works best when your portfolio pays you, so diversify toward durable income sources. Write your rules. Pre‑commit to rebalance triggers, position limits, and exit criteria to avoid emotional decisions. Approximately right beats precisely wrong. You don't need to predict the next macro move; you need a plan you can stick to. Calls to action: If you're within 5–10 years of retirement, run a leverage and income audit on your portfolio. Want help building a rules‑based, income‑focused plan? Schedule a consult with the Payne Capital team and let's put discipline to work: paynecm.com/financialplan/ — Enjoying the show? Follow, rate, and review Payne Points of Wealth on Apple Podcasts and Spotify and share this episode with a friend who's chasing “quick wins” instead of compounding.

The "fear of missing out" (FOMO) isn't just some clever internet meme. FOMO is a real issue and it impacts most of us. Because of the internet and social media, we are constantly aware of what is going on everywhere. This creates a number of problems. First, it creates a sense of compare-anoia where we are judging ourselves against everyone else. Then, after we feel bad for not having what others have, we try to fill the gap in our own lives. Unfortunately, time is a zero-sum-game and means that if you are doing one thing, you can't be doing anything else. This leads us to adding so many things to our lives that we are stretched too thin, overwhelmed, and aren't enjoying anything we are doing. This week in the podcast, I share a simple framework to help you to tap for FOMO in a way that makes you feel better in the moment and prevents it from showing up in the future. Support the podcast! Http://tappingqanda.com/support Subscribe in: Apple Podcast | iPhone | Spotify | Pandora | Amazon Music | iHeartRadio | YouTube  

Send us a text99% of real estate investors say the model tells the truth.But in practice, the data is messy.And the herd is loud.3 weeks ago, I got to interview a real estate finance hero of mine:@ Colin Lizieri - Professor of Real Estate Finance At the @ university of Cambridge.And a global authority on how markets really price risk.In 20 minutes, we dug into:→ Signal vs noiseWhy real estate data is so unreliable And quick checks to make sure your assumptions actually stack.→ Herd-driven mispricingReal examples - pre-GFC, life sciences, “new paradigm” storiesAnd how to tell if you're investing on evidence or FOMO.→ Bias in ICsHow strong personalities bend modelsAnd simple fixes: written views before IC, a named devil's advocate,And backtesting deals where you overruled the numbers.If you're an institution or serious SMEtrying to avoid buying at the wrong price / wrong timethis one's worth a listen - link below.This episode is in association with (and thanks to) Lloyds.In association with:https://www.lloydsbank.com/business/industry-expertise/real-estate.html?utm_source=The+Return&utm_medium=podcast+partnership&utm_campaign=sponsored+episodeGuest LinkedIn: https://www.linkedin.com/in/colin-lizieri-996694214/Host LinkedIn: https://www.linkedin.com/in/annaclareharper/

We chase Illinois honkers through Arctic lows, dial spreads for fickle field mallards, and stack firsts: a first honker, a first band, and a hard-won lesson in reading flight lines. Cold gear, decoy choices, and local history shape a week that ends with plans for Florida marsh heat.• new setup and travel-light game plan• first honker story, misses, and recovery• calling cadence, scout behavior, and early volleys• spinner strategy, sunny fields, and wind truths• river flight lines and waves of geese and mallards• swan sighting and Braidwood power-plant history• gloves, merino layers, A-frames and heat management• afternoon FOMO, subtle spreads, and patience• deer stand moves, late-season access, and cameras• spread wars and why less looks more real• hitting limits, then watching birds teach• flip to Florida: gators, marsh, and gear shiftCall or text 850-251-8650 or visit www.floridaducks.com to book your trip, Williamson OutfittersUse code ONEHELLOFALIFEOUTDOORS for 15 percent off your order @ www.froggtoggs.comDirty Duck Coffee: use code onehellofalife15 for 15% offFollow us on instagram! https://www.instagram.com/onehellofalifepodcast/?hl=en

What if "giving back" isn't about writing bigger checks but about using what you're already great at? Most people think philanthropy is reserved for people with their names on buildings. That assumption keeps them from realizing they already have something valuable to give. Joe Saul-Sehy, OG, and Neighbor Doug welcome John Studzinski, managing director at PIMCO and founder of the Genesis Foundation, for a conversation about generosity, purpose, and impact that actually applies to everyday Stackers. John challenges the whole concept of "philanthropy" as something for the ultra-wealthy and reframes giving as a muscle anyone can build using time, talent, and intention instead of just cash. The conversation reveals how you can create meaningful impact right now, regardless of your bank balance. Whether you're great at organizing, teaching, listening, or solving problems, those skills matter more than you think. John breaks down how to identify your personal talent for impact and why intentional giving beats reactive charity every single time. Then the show shifts to retirement planning, specifically how to design a glide path that works with your behavior instead of fighting it. Joe and OG break down how to manage risk as you age, why annuities keep showing up in retirement conversations, and why smart planning focuses less on chasing perfect returns and more on creating stability you can actually live with. Because the math might say one thing, but your ability to sleep at night matters just as much. Along the way, the crew takes a detour into ChatGPT's potential future, explores a few behavioral finance truths that hit uncomfortably close to home, and wraps with a pop culture review reminding us that money decisions never happen in a vacuum. This episode is about aligning your resources (financial and otherwise) with the life you actually want to live. What You'll Walk Away With: • Why "giving" is a better word than "philanthropy" and why that shift in language actually matters • How to identify your personal talent for impact even without significant wealth • Why generosity works best when it's intentional and strategic rather than reactive • How retirement glide paths actually work and why your behavior matters more than the math • The role annuities can play in reducing retirement anxiety without sacrificing everything • Why percentages can be misleading, real dollars tell better stories, and context is everything • How fear, FOMO, and age quietly shape your investment decisions in ways you might not notice • Permission to build a retirement plan around stability instead of maximum growth This Episode Is For You If: • You want to give back but think you need more money before you can make a real difference • You're approaching retirement and tired of advice that ignores how you actually feel about risk • You've wondered if annuities deserve their bad reputation or if there's something there • You want your money decisions to reflect your values, not just optimize for returns • You believe purpose and planning should work together, not compete Before You Hit Play, Think About This: What's a talent you already have that could create more impact than money alone? And when it comes to retirement investing, what decision do you know is emotional but still struggle with? Drop your answers in the comments because John's perspective on giving and the crew's take on retirement planning might shift how you think about both. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This episode of Talking Real Money takes aim at the latest “easy money” illusion—house flipping—explaining why rising costs, higher interest rates, softer housing demand, and plain old competition have drained much of its appeal. Tom and Don connect flipping's decline to a familiar pattern of speculative behavior, much like day trading or past real estate manias, and reinforce why there are no reliable shortcuts to wealth. Listener calls drive a wide-ranging discussion on global diversification versus U.S.-only investing, the dangers of concentration risk in the S&P 500, how recency bias distorts performance comparisons, and why owning more markets matters more than making predictions. The episode wraps with practical retirement guidance for older investors, including simplifying portfolios with low-cost target-date funds, and closes with trademark humor and perspective. 0:05 Show open, intro banter, singing callbacks, and weekend rhythm 0:28 House flipping compared to day trading and FOMO investing 1:28 Why flipping activity is down sharply: costs, rates, and competition 3:41 The myth of “passive income” in real estate 4:50 Softer housing markets and demographic headwinds 6:02 No magic systems—long-term investing still wins 8:27 Lisa (Colorado): investing nonprofit funds at Vanguard 10:30 VOO vs VTI vs VT and the case for global diversification 12:29 Volatility, standard deviation, and diversification basics 14:44 Sharpe ratios, recency bias, and misleading performance metrics 16:54 Charles (Seattle): Boeing plans, VOO, and AVGE at Schwab 18:32 S&P 500 concentration risk and the “Magnificent Seven” 21:33 Jason (Sammamish): VTI vs VT debate and long-term market data 28:41 Debbie (Camano Island): portfolio risk concerns at age 73 31:20 Risk tolerance vs risk capacity in retirement 33:16 Vanguard target-date funds as a simple retirement solution 36:01 Lighter close with creative fundraising and holiday humor Learn more about your ad choices. Visit megaphone.fm/adchoices

What metrics actually matter in marketing—and which ones are misleading in an AI-driven world?   In this episode, we dive deep into what actually drives business growth—and what metrics, mindsets, and marketing strategies founders need to let go of as the landscape rapidly evolves.   From measuring marketing performance correctly, to resisting FOMO-driven decisions, to leveraging AI and content as force multipliers, this conversation is a practical, experience-backed guide for entrepreneurs at every stage—especially those who want sustainable growth without burning cash, people, or systems.   This is not about hacks. It's about clarity, discipline, and long-term advantage. What did they talk about?   Marketing must be measured by business outcomes, not vanity metrics Small businesses fail when they spread themselves too thin Slow down to speed up AI is not killing marketing—it's reshaping it   If you're an entrepreneur, founder, or business leader trying to grow smarter—not just louder—this episode is for you. Know more about Lee Pepper. Check his website: https://www.neveroutmatched.com/   Connect with Lee and follow: IG @theleepepper   Are you measuring what's easy… or what actually grows your business?   If this episode challenged the way you think about marketing, leadership, and growth, do us a favor—subscribe, follow, and share this with one founder who's trying to do too much with too little.  

Why does social proof actually matter? What's the psychology behind FOMO?  Behavioral science legend Richard Shotton is back, and he's dropping some of the most practical psychology-backed tactics marketers can use today. Richard and Daniel break down the biases that shape real-world buying behavior, including why social proof works far better when it's specific and localized, AND how to make customers draw their own conclusions.  You'll also learn:  - The subtle language shift between “out of stock” and “sold out” that changes irritation levels by 15% - Why humor dramatically boosts every brand metric thanks to the Halo Effect - Apple's use of concrete language and how to make your messaging 4x more memorable If you want your Marketing to work better with zero extra budget, this conversation is for you.  Optimizely helps thousands of brands create, personalize, and optimize exceptional digital experiences. See how Optimizely Opal, our AI agent orchestration platform, automates real marketing work and helps teams scale their impact at https://www.optimizely.com/ai/?utm_campaign=PS-GL-11-2025-MARKETING-MILLENNIALS-PODCAST&utm_medium=cpc&utm_source=marketingmillennials&utm_content=opal-agent-orchestration  Follow Richard: LinkedIn: https://www.linkedin.com/in/richard-shotton Follow Daniel: LinkedIn: https://www.linkedin.com/in/daniel-murray-marketing/ Sign up for The Marketing Millennials newsletter: https://themarketingmillennials.com/ Daniel is a Workweek friend, working to produce amazing podcasts. To find out more, visit: https://workweek.com/

When we were younger, we would do anything at any given time. Friday night rolls around, and no matter how tired we were or the mood we were in, we were going out. Why though? FOMO? Maybe guilt? We can't say no unless most of us have an excuse. What if I told you that 'no' is the correct way to say you don't want to do something? Why make an excuse?

The Fed cut rates… again. And somehow mortgage rates said, “nah, we're good.” This episode starts where most headlines stop—why markets stopped believing the Fed, why the 10-year Treasury is doing its own thing, and why this might be the last cut anyone feels confident about for a while. We say the quiet part out loud: inflation isn't dead, liquidity is sneaking back in, and the bond market is signaling something policymakers don't want to admit yet. Translation: the economy is being held together with optimism and FOMO.➡️ Then we zoom out to the part no spreadsheet can explain—why people feel broke, burned out, and behind even when they're “doing everything right.” Layoffs are rising, AI is cutting jobs under the banner of “efficiency,” home prices are slipping, and yet everything still feels more expensive. We talk career minimalism, side hustles, and the realization hitting a lot of Americans: you're the CEO of your household now, whether you asked for the job or not. The system didn't break overnight—but it's asking more from you than it's giving back.

Is it possible to have a brain wired for entrepreneurship, but actually thrive best within traditional employment? In this insightful episode, host Diann Wingert flips the script on the common narrative in both the ADHD and business worlds: that entrepreneurial traits automatically mean you should start your own business. Instead, she explores the concept of intrapreneurship—bringing creativity, innovation, and entrepreneurial spirit into an existing organization—and how this path might be the most strategic decision for many ADHDers.If you're wrestling with the decision to go solo or stay employed, give this episode a listen. It just might give you permission to build a life—and career—that truly works for your brain.Three key takeaways:Entrepreneurial traits ≠ Entrepreneurial career: You can be creative, visionary, and disruptive without having to start your own business. Don't fall for the myth that employment is “settling.”Intrapreneurship unlocks impact & stability: Express your entrepreneurial strengths inside an organization. Lead without authority, innovate processes, and treat your role like you own it—while benefiting from structure, resources, and a steady paycheck.Signs that traditional employment isn't right for you:Not everyone is meant to shine as an intrapreneur. If every manager is a nightmare, structure feels suffocating, or your best ideas die in committee, maybe going solo is your move. But it's all about matching your brain and real life with the right path—not shame, not hustle-culture FOMO.Workplace roles & cultures where ADHD-ish traits thrive:Look for product development, business strategy, internal consulting, startups, project-based work, or innovation labs. Go where experimenters are rewarded, hierarchies are flatter, and outcomes matter more than bureaucracy.Mic Drop Moment:“Infrastructure isn't the enemy of innovation. Structure, when it's the right structure, is what lets your brain do what it does best without getting derailed by all the shit you hate doing."Action Step:Take 10 mins for honest self-reflection. Where do you really do your best work? What structure supports you? Then, make the choice that serves your life—not LinkedIn optics or anyone else's expectations.About the Host:Diann Wingert (she/her) is seasoned coach, consultant and the creator/host of ADHD-ish. Drawing from her many years of experience as a former psychotherapist, business owner, and someone who thinks "outside the box," Diann is known for her straight-talking, no-nonsense approach to the intersection of neurodiversity and the world of work.Enjoyed the Episode?Share your thoughts! Leave a review and let Diann know what resonated, challenged, or inspired you. Your feedback helps ADHD-ish reach more listeners who need to hear these honest conversations. © 2025 ADHD-ish Podcast. Intro music by Ishan Dincer / Melody Loops / Outro music by Vladimir / Bobi Music / All rights reserved.

Is it even really the holidays without the clink of champagne or spiked eggnog? Or… could this be the year you discover a deeper kind of joy—one that doesn't come in a glass? In this feel-it-to-heal-it episode, Susan and Ruby dive into the messy, magical middle of the holiday season—where cravings collide with traditions, and the pressure to be “merry” can trigger the urge to drink. They ask the big question: What actually makes the holidays feel good… and what are we ready to leave behind?You'll get real talk on:How to Marie Kondo your holiday ritualsWhat to say when the family asks why you're not drinkingHow to trade FOMO for joy with mocktails that sparkleWhy intentional celebrations hit different without alcoholAnd how to stay grounded through solo time, family drama, or just plain stressWhether this is your first sober December or your fifth, you'll walk away with permission to rewrite the rules, embrace what lights you up, and celebrate on your terms.Tune in and let's reimagine what a truly lit holiday season looks like—alcohol-free, full of meaning, and unapologetically you.We Love Hearing From YouDon't forget to follow and subscribe and leave a review! It helps to get the word out that living sober is lit! Listeners have said that our podcast has helped them get alcohol free! Get started by taking a break that feels lit with a Feel Lit 21 Day Break. Click here to find out more: https://www.freedomrenegadecoaching.com/buy-feel-lit-21-sg Join our private community! Connect with the Podcast Hosts:Susan Larkin Coaching https://www.susanlarkincoaching.com/ Ruby Williams at Freedom Renegade Coaching https://www.freedomrenegadecoaching.com/Follow Susan: @drinklesswithsusanFollow Ruby: @rubywilliamscoachingIt is strongly recommended that you seek professional advice regarding your health before attempting to take a break from alcohol. The creators, hosts, and producers of the The Feel Lit Alcohol Free podcast are not healthcare practitioners and therefore do not give medical, or psychological advice nor do they intend for the podcast, any resource or communication on behalf of the podcast or otherwise to be a substitute for such.

Most entrepreneurs skip reflection altogether. They're busy, tired, and ready for a fresh start. But if you don't pause to reflect, you repeat the same mistakes. You carry old habits into a new season. You build goals on top of unclear patterns. Reflection is where leadership starts. It's where clarity lives. It's simple, but not easy. In this episode, Danielle walks you step-by-step through the Year-End Reflection Framework built into the Kickstart system. It's the tool that helps you understand what worked, what didn't, and where you can step more fully into your CEO role next year. Your Year-End Reflection Framework: At Kickstart, reflection is built into everything we do. It's part of the Kickstart Framework, the same system Danielle uses to run her own business every single year. Review Your Revenue Start with your total revenue for the year. Compare it to last year, then review month-by-month. Ask yourself: Which months were your strongest? What contributed to that success? Which sales/marketing efforts created reliable results? During slower months, what changed? Were you consistent or did you pivot too soon? Real growth happens when you stick with what works long enough to see the results. Reflect on Profit & Net Income Profit tells the truth about your business's health—not just what came in, but what stayed. Consider: Were profit margins healthy (10–15% after payroll)? What supported profitability this year? If profits decreased, what shifted? And remember: Profit doesn't matter if it costs you your energy, well-being, or sustainability. Examine Your Expenses Look at your total expenses year-over-year and month-by-month. Ask: What purchases supported your goals? Which investments truly helped you grow? Where did spending align—or misalign—with your intentions? Was spending driven by confidence, or by fear and FOMO? Spending isn't bad. It's information. It reveals your priorities, patterns, and beliefs. Also reflect on: What purchase made you most proud? What helped you step more fully into your CEO role? 4. Evaluate Your Cash on Hand Cash isn't everything… but it is stability and choice. Review: Cash this year vs. last year Cash month-by-month Whether changes align with the season you were in (growth vs. optimization) How many months of expenses you have saved (aim for 1–3 months) If you're not there yet, start small—even $50 a week builds momentum. Cash gives you freedom to make thoughtful, empowered decisions. 5. Look at Debt & Owner's Draws This is where clarity really clicks. Debt payments and owner's draws don't show on your P&L, but they dramatically impact cash. Ask yourself: Did I pay myself consistently? Does my compensation match my effort? Did I take on or pay off debt intentionally? Your goal is balance: Pay yourself. Manage debt. Build savings. All at once, sustainably.   Topics Discussed: (00:00) Intro: Why Year-End Reflection Matters & the Year-End Reflection Framework to Use (01:20) What Kickstart Clients Receive in Their Snapshot (01:53) Year-End Reflection Framework: Review Your Revenue (05:42) Year-End Reflection Framework: Reflect on Profit & Net Income (07:53) Year-End Reflection Framework: Examine Your Expenses & Spending Patterns (09:50) Promo Break: Kickstart's "Check Your Books" Service (11:02) Spending That Builds You as a CEO & Brings Joy (13:37) Why Cutting All Expenses Isn't the Answer (14:17) Year-End Reflection Framework: Evaluate Cash on Hand & Creating Stability as a CEO (18:30) Year-End Reflection Framework: Debt, Owner's Draws & Where All the Cash Really Went (20:34) Your Role as CEO: Consistency & Ownership (21:36) Outro: Like, Share and Subscribe!   Resources: Check Your Books | kickstartaccountinginc.com/checkyourbooks  CFO Services | https://kickstartaccountinginc.com/the-cfo-solution/   Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

Send us a text The crew is back at the table talking bottles, budgets, FOMO, and how their whiskey-buying habits have evolved since Season 1, when nobody dared spend over $50. From the overwhelming wave of new releases hitting shelves to the psychology of chasing hype, the guys break down what really makes a bottle worth the buy. They get honest about guardrails, dealing with the “whiskey glut,” and why a $30 bar pour might save you from a $300 mistake. Then they dive into something surprising: a brand-new release from Maker's Mark, their first new mashbill in over 70 years. The fellas react to the bottle, the marketing, the mash bill experiment, and whether it earns a spot on your shelf. Expect jokes, debates, a few unexpected tasting notes, and a rating that might shock longtime Maker's fans. If you've ever wrestled with FOMO, wondered how to navigate the flood of new whiskey drops, or just want to hear what happens when a big distillery finally switches it up, this episode's for you. Pull up a chair, grab a glass, and find out why this pour had the whole table rethinking what they thought they knew about Maker's Mark 

This week on The Watchers, Andrea and Jodie break down episodes 4, 5, and 6 of Pluribus. Carol starts testing the hive mind and catches a bad case of FOMO. We get into resistance vs. assimilation, art in a flattened world, whether or not it counts as consent if you have to split hairs, and this show's careful mix of dread, slapstick, and quiet humanity.Next week, we're bringing you our 2025 edition of our yearly “What We Loved” series. And then, we'll be back to review the last three episodes of season 1 of Pluribus.If you're reading this, that means you've probably got your podcatcher of choice open right now. It would be SO helpful if you gave our little show a follow. If you like what you hear, you could even leave us a review.Follow:The Watchers on Instagram (@WatchersPodNJ)Andrea on Instagram (@AQAndreaQ)Jodie on Instagram (@jodie_mim)Thanks to Kitzy (@heykitzy) for the use of our theme song, "No Book Club."

Is it possible to have a brain wired for entrepreneurship, but actually thrive best within traditional employment? This insightful episode flips the script on the common narrative in both the ADHD and business worlds: that entrepreneurial traits automatically mean you should start your own business. Instead, host Diann Wingert explores the concept of intrapreneurship—bringing creativity, innovation, and entrepreneurial spirit into an existing organization—and how this path might be the most strategic decision for many ADHDers.If you're wrestling with the decision to go solo or stay employed, give this episode a listen. It just might give you permission to build a life—and career—that truly works for your brain.Three key takeaways:Entrepreneurial traits ≠ Entrepreneurial career: You can be creative, visionary, and disruptive without having to start your own business. Don't fall for the myth that employment is “settling.”Intrapreneurship unlocks impact & stability: Express your entrepreneurial strengths inside an organization. Lead without authority, innovate processes, and treat your role like you own it—while benefiting from structure, resources, and a steady paycheck.Signs that traditional employment isn't right for you:Not everyone is meant to shine as an intrapreneur. If every manager is a nightmare, structure feels suffocating, or your best ideas die in committee, maybe going solo is your move. But it's all about matching your brain and real life with the right path—not shame, not hustle-culture FOMO.Workplace roles & cultures where ADHD-ish traits thrive:Look for product development, business strategy, internal consulting, startups, project-based work, or innovation labs. Go where experimenters are rewarded, hierarchies are flatter, and outcomes matter more than bureaucracy.Mic Drop Moment:“Infrastructure isn't the enemy of innovation. Structure, when it's the right structure, is what lets your brain do what it does best without getting derailed by all the shit you hate doing."Action Step:Take 10 mins for honest self-reflection. Where do you really do your best work? What structure supports you? Then, make the choice that serves your life—not LinkedIn optics or anyone else's expectations.About the Host:Diann Wingert is a seasoned business coach, consultant and speaker. Drawing from her many years of experience as a former psychotherapist, serial business owner, and someone who thinks "outside the box," ADHD-ish host, Diann is known for her straight-talking, no-nonsense approach to the intersection of neurodiversity and the world of work. Enjoyed the Episode?Share your thoughts! Leave a review and let Diann know what resonated, challenged, or inspired you. Your feedback helps ADHD-ish reach more listeners who need to hear these honest conversations. © 2025 ADHD-ish Podcast. Intro music by Ishan Dincer / Melody Loops / Outro music by Vladimir / Bobi Music / All rights reserved.

/Summary继续划水！这期节目还是来自狂喜播客节是时候展示会聊天的能力了：）/Show Note02:01 情绪价值在商业成功中的重要性：功能价值与恐惧FOMO心理的驱动力07:18 情绪价值驱动下的不同平台选择：实用价值与心理满足的交织14:38 情感价值与品牌认知：探究产品价值的深层意义21:57 情绪价值的重要性：从抚慰到炫耀的不同需求29:14 理解情绪价值：产品背后的消费者需求和品牌影响力36:37 情绪价值主导的时代：旅行轿车销量背后的秘密43:57 情绪价值与商业决策：探讨中国公司进入AI时代的决心和打法51:14 情绪价值与汽车购买的思考：内心的追求与现实的妥协58:32 购物的快感与价值：买玩具让孩子开心，你也会开心吗？01:05:57 书店的悲凉：情绪价值导向的商业竞争与成本考量01:13:12 创意价值与情绪营销：瞬间吸引用户注意力的秘密01:20:36 品牌价值与情绪价值：探讨消费决策中的归属感和独特性/Staff主播 | 于欣烈、刘飞、东东枪、罗叔 制作 | 燃烧吧罗叔文案 | 燃烧吧罗叔后期 | FirePod莎莎日程 | 腿哥/BGM ListRiding with the King念念 罗叔/Contact新浪微博：@燃烧吧罗叔抖音：燃烧吧罗叔公众号：头号玩家toGo合作微信： luoyoucai

How do teens handle social life after school? This week's 8th grade hosts, Maddie and Arbaaz, partner up to interview classmates Kaitlyn and Mustafa. The teens take on the topic of social life, focusing on after-school and weekend activities. Specifics include hobbies, social hangout spots, parties, size and gender mix of group events, freedom in growing up, peer influence, FOMO, time away from parents and family, and more!What other concepts should the students have mentioned in this episode?Tune in soon as our other two Season 8 hosts, Piper and Mwanashe, take over with a new topic and a new set of guests. Make sure to subscribe to keep up to date on our podcast episodes throughout the 2025-2026 school year!BOOKING & CONTACT

Nat and Kristen dig into why we're all comparing ourselves to everyone else - and how it's keeping us stuck. They cover the amygdala's role in making you feel like a loser when someone else gets promoted, why Kristen was hunting for designer labels in op shops at age 12, and how to train your Instagram algorithm to stop showing you things that make you feel rubbish. Plus: why measuring progress on your own terms changes everything, and how knowing your 12-month goal stops you spiralling when everyone else seems to be winning (yeah, right).Loved it? Share it and leave us a 5-star review! Got a topic for us? Email hello@powrsuit.com. Follow Powrsuit on LinkedIn and Instagram, or join us at www.powrsuit.com for bite-sized professional development that actually fits into your week. 'Til next time, Powrsuiters!

Sobriety is hard—and recovery is a full-time job. Parenting is hard—and more than a full-time job. Sarah Allen Benton is an Advanced Alcohol and Drug Counselor and Licensed Mental Health Counselor. She is Chief Clinical Officer and co-owner of Waterview Behavioral Health. She is co-owner of Benton Behavioral Health Consulting, LLC, offering clinical and business support services to innovative addiction and mental health companies. She holds a Master of Science in Counseling Psychology with an emphasis in Health Psychology. Sarah has been sober for more than 20 years; she has been a mother for 13. She is far from alone, approximately 20.9 million consider themselves in recovery from a substance use disorder (SUD). It is fair to say millions are also parents. In PARENTS IN RECOVERY: Navigating a Sober Family Lifestyle (Rowman & Littlefield), Sarah draws on research, professional expertise and deeply personal experience to support mothers and fathers as they navigate their way through parenting while embracing a sober lifestyle. From “wine mom culture” to social media FOMO, Benton covers every aspect of living sober while raising children. Amazon: Parents in Recovery: Parents in Recovery: Navigating a Sober Family Lifestyle Understanding the High-Functioning Alcoholic: https://www.amazon.com/Underst... Facebook: https://www.facebook.com/sarah... Parents in Recovery Support Group Facebook: https://www.facebook.com/share... Linked In: https://www.linkedin.com/in/sa... Instagram - @parentsinrecovery Website:www.bentonbhc.comwww.waterviewbh.com Sarah Allen Benton, M.S., LMHC, CADC, is a leading authority in addiction and mental health, known for her clinical expertise and published work. As an Advanced Alcohol and Drug Counselor (CADC) and Licensed Mental Health Counselor (LMHC), she brings over 20 years of lived experience as a parent in recovery from alcohol use disorder to her practice. Clinical and Business Leadership Chief Clinical Officer & Co-founder: Sarah Allen Benton is the CCO and co-founder of Waterview Behavioral Health (Wallingford, CT), a specialized mental health intensive outpatient program (IOP) providing crucial services for individuals with complex needs. Website: https://www.waterviewbh.com/ Co-owner: She is also the co-owner of Benton Behavioral Health Consulting, LLC, which offers clinical and business support services, including strategic consulting, to innovative mental health and addiction companies across the industry. Website: https://www.bentonbhc.com/ Expertise: Her background includes roles as a therapist and clinical consultant across various levels of care, practices, and start-ups, including experience at McLean Hospital in their dual diagnosis transitional treatment program. Published Work and Education Author: Benton is the highly-regarded author of Understanding the High-Functioning Alcoholic (2009), a foundational text that provides insight into high-achieving individuals struggling with alcohol use disorder, a common area of her expertise. Education: She holds a Master of Science in Counseling Psychology with an emphasis in Health Psychology from Northeastern University, Bouvé School of Health Sciences. Location and Credentials Location: Killingworth, Connecticut Credentials: M.S., LMHC, CADC This profile emphasizes her dual role as a clinical expert and a behavioral health entrepreneur, making her a highly discoverable authority in addiction recovery, sober parenting, and high-functioning alcoholism treatment. Meet Ash Brown, the dynamic American powerhouse and motivational speaker dedicated to fueling your journey toward personal and professional success. Recognized as a trusted voice in personal development, Ash delivers uplifting energy and relatable wisdom across every platform. Why Choose Ash? Ash Brown stands out as an influential media personality due to her Authentic Optimism and commitment to providing Actionable Strategies. She equips audiences with the tools necessary to create real change and rise above challenges. Seeking inspiration? Ash Brown is your guide to turning motivation into measurable action. The Ash Said It Show – Top-Ranked Podcast With over 2,100 episodes and 700,000+ global listens, Ash's podcast features inspiring interviews, life lessons, and empowerment stories from changemakers across industries. Each episode delivers practical tools and encouragement to help listeners thrive. Website: AshSaidit.com Connect with Ash Brown: Goli Gummy Discounts: https://go.goli.com/1loveash5 Luxury Handbag Discounts: https://www.theofficialathena.... Review Us: https://itunes.apple.com/us/po... Subscribe on YouTube: http://www.youtube.com/c/AshSa... Instagram: https://www.instagram.com/1lov... Facebook: https://www.facebook.com/ashsa... Blog: http://www.ashsaidit.com/blog #atlanta #ashsaidit #theashsaiditshow #ashblogsit #ashsaidit®Become a supporter of this podcast: https://www.spreaker.com/podcast/ash-said-it-show--1213325/support.

Message me with comments or questionsEver notice how vacations can flip a switch in your brain—from grounded and intentional to impulsive and “whatever goes” almost instantly?In this episode, Kristin explores why travel is such a common trigger for emotional eating—and how you can enjoy food, freedom, and unforgettable experiences without falling into all-or-nothing thinking. Using a real-life cruise story filled with buffets, FOMO, and soft-serve ice cream, she breaks down what's actually happening in your brain when routine disappears—and how to stay connected to who you are, even when everything feels different.You'll learn ten practical, realistic strategies you can actually use on real trips with real temptations. She talks about setting vacation intentions that feel empowering (not restrictive), using first-bite awareness to get more enjoyment from less, and keeping simple anchor habits—like movement, hydration, and a quick morning check-in—to remind your brain, I'm still me.Kristin also dives into emotional awareness on the road, showing how simply naming what you feel can reduce urgency and interrupt the automatic “feel → eat” cycle so many women experience when stress rises or plans change. You'll hear about a 10-second reset you can use anywhere, gentle “plus-one” movement ideas to calm your nervous system, and a satisfy-don't-stuff approach that makes leaving food on your plate (or sharing bites) feel neutral—not shameful.This episode isn't about perfection. It's about coming home feeling proud, energized, and aligned with your goals—without needing a “reset” when you return.If you're traveling soon (or still trying to recover from your last trip), this one's for you.Connect with me online:1. Instagram: https://www.instagram.com/kristinjonescoaching/2. You Tube channel, Kristin Jones Coaching: https://www.youtube.com/@KristinJonesCoaching44 3. You Tube channel, Breakthrough Emotional Eating Podcast: https://www.youtube.com/@breakthroughpodcast-443 . Website: https://www.kristinjonescoaching.com If you want to learn how to stop nighttime eating, get my 3 Day Nighttime Snacking Reset: https://go.kristinjonescoaching.com/nighttime-snacking-reset Needing more specific and direct support for your emotional eating and overeating? Check out my online course, Stop Dieting Start Feeling, and my personalized coaching program, Breakthrough To You. If you found this episode helpful, don't forget to leave a review on the platform you used to listen and share it with your friends on your Instagram stories. Also, be sure to follow me on Instagram @breakthroughemotionaleating, and don't hesitate to slide into my DMs to share your thoughts ...

It was all fun and games until she left, and then we had more fun and games. TODAY ON THE SHOW, someone WROTE and MAILED us a LETTER! We are SHOOKETH! Then, an ALL NEW CHRISTMAS WISH and a juicier deep dive into DYLLAN'S FREE TIME! All of this PLUS the return of COMPLICATED CHRISTMAS CAROLS today on JJR!See omnystudio.com/listener for privacy information.

Travis and producer Eric perform a tongue‑in‑cheek “autopsy” on the rise and fall of Clubhouse, revisiting a 2021 conversation with Jordan Harbinger where they questioned whether the app could ever compete with podcasting. They unpack why a product that looked brilliant on paper—and raised money at a $4B valuation—collapsed so quickly, and what creators, founders, and marketers should learn before betting their careers on the next hype platform. On this episode we talk about: What Clubhouse actually was (live, invite‑only audio rooms) and why early hype convinced many people it might “kill podcasting” Why Travis and Jordan were skeptical from the start: no on‑demand listening, chaotic audio quality, unqualified speakers, and a format that demanded hours of real‑time attention How follower counts and moderator status created a hollow, status‑driven game that rarely translated into real audience or revenue The psychological moment Travis realized the opportunity cost—half‑listening to a room while missing time with his infant son—and decided to walk away even if Clubhouse “won” How a few marketers did monetize the app (treating rooms like live webinars), and why podcasts and audiobooks still win for durable, compounding content and leverage Top 3 Takeaways Any platform that requires constant real‑time presence, but doesn't create durable assets (episodes, clips, searchable archives), is risky as a primary growth strategy. Vanity metrics and FOMO can lure smart people into massive time sinks; always weigh status and follower counts against actual business outcomes and life trade‑offs. Long‑form, on‑demand media like podcasts remain powerful because they respect the listener's time, allow deep preparation, and compound over years instead of disappearing after one live session. Notable Quotes “Clubhouse was like a podcast that doesn't get recorded, done by everybody on AirPods, with eight unprepared guests, none of whom are qualified to talk.” “I realized I was half‑present with my son just to ‘be a mod' and chase followers on an app that might not exist in a year—that was a terrible trade.” “Even if this is the next Instagram, I'm okay not ‘winning' here if the time cost means sacrificing what actually matters.” ✖️✖️✖️✖️

When the stakes are high, your emotions are loud, and every option feels wrong… how do you make the right call? In this masterclass, three experts break down the hidden psychological, emotional, and strategic forces behind tough decisions — the things no one teaches you at work, in school, or in life. You'll learn why your brain freezes under pressure, how fear distorts your judgment, and why overthinking often feels productive but keeps you stuck. Best-selling author Patrick McGinnis explains the origins of FOMO and FOBO and reveals how too many choices destroy clarity. Kwame Christian shows how internal conflict shapes external negotiation — and why timing, creativity, and emotional control matter more than logic. Leadership expert Stephanie Hanna shares how top performers simplify decisions, trust their instincts, and remove options to move forward with confidence. Contact ANI ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Request A Customized Workshop For Your Company⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Kwame Christian on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠negotiateanything.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here to buy your copy of Finding Confidence in Conflict: How to Negotiate Anything and Live Your Best Life!⁠⁠

In this episode, the team digs into the newly updated 2025 edition of The Wealthy Barber — Dave Chilton's iconic Canadian personal finance book that helped shape millions of financial journeys. Ben, Dan, and Ben walk through the biggest lessons Dave has reworked for a world of high housing costs, social-media-fueled spending pressure, new tax-sheltered accounts, and the ever-present noise of investing advice. This discussion explores why the book remains so effective: it blends timeless principles with approachable storytelling, humor, and deeply practical guidance. The conversation also highlights Dave's real-world insights from reviewing thousands of personal financial situations across Canada. You'll hear how the book explains foundational habits like paying yourself first, why simple investing beats stock picking, how renters can build wealth, and why understanding your own spending is the key to unlocking both financial progress and happiness. Whether you're brand new to money or a seasoned investor, the updated lessons hit harder in 2025 than ever before.   Key Points From This Episode: (0:04) Introduction — recording early and setting up a deep dive into the updated Wealthy Barber. (0:53) Why the new 2025 edition lands so well: humor, modern references, and timeless lessons. (1:30) Dave Chilton's real-world insight from reviewing thousands of Canadians' financial situations. (2:23) Why the storytelling works — characters, humor, and accessible teaching. (3:45) Inside the narrative: Roy the barber, Matt, Maddie, Jess, Kyle, and the barbershop regulars. (7:53) Lesson 1: "You can do this" — personal finance isn't about math, it's about simple principles. (12:08) Lesson 2: Save 10% and pay yourself first — habit beats theory, compounding does the rest. (14:29) Why saving is hard today: algorithms, FOMO, lifestyle creep, and rising costs. (16:57) The behavioral case for saving early, even if economists say otherwise. (18:52) Lesson 3: Be an owner, not a loaner — stocks vs. bonds and the engine of human ingenuity. (22:49) The investor's paradox — the less you think you know, the better you invest. (24:05) Why indexing wins: skewed stock returns and the impossibility of picking winners. (27:49) How investing has changed since 1989 — indexing is now widely accessible. (28:18) "The world feels scary today…" — the 1847 quote showing it always feels that way. (34:03) RRSP vs. TFSA — identical outcomes at equal tax rates, and why RRSPs shine when taxed lower later. (39:12) Debunking the RRSP "tax bomb" — why high earners still benefit most. (42:06) Lesson 4: Housing — the four levers to buy today (cheaper homes,

The tale of the most incredible birthday party ever—your FOMO is justified. PLUS: I Love Lucy Moment!See omnystudio.com/listener for privacy information.