Podcasts about fomo

A skeptical reporter is sent to debunk England's most famous UFO hotspot — but the more nights he spends on Star Hill, the harder it becomes to dismiss what he sees, and the woman who keeps appearing there may be asking him to believe in far more than he ever bargained for.Look for this podcast on Apple Podcasts, Spotify, iHeart Radio, Amazon Music, Pandora, TuneIn Radio, and other podcast apps. Get a list of free listening apps here: https://weirddarkness.tiny.us/OTRCHAPTERS & TIME STAMPS (All Times Approximate)…00:00:00.000 = Show Open00:01:30.028 = CBS Radio Mystery Theater, “A Message From Space” (February 28, 1978) ***WD00:46:14.309 = The Sealed Book, “Death Spins a Web” (April 01, 1945) ***WD01:15:36.156 = The Shadow, “The Ghost Walks Again” (March 16, 1941) ***WD01:40:19.756 = Sleep No More, “To Build a Fire” and “Three Skeleton Key” (February 20, 1957) ***WD02:09:17.703 = BBC Radio 4 Spine Chillers, “Doppelganger” (January 01, 1977)02:34:22.138 = Strange, “Greenwood Acres” (October 10, 1955) ***WD02:46:54.981 = Suspense, “Defense Rests” (March 09, 1944) ***WD03:16:42.462 = Tales of the Frightened, “Mirror of Death” (November 27, 1957)03:21:37.453 = The Creaking Door, “Cards” (1964-1965) ***WD03:49:11.172 = The Saint, “Mr. Important” (October 15, 1947) ***WD04:17:00.318 = Theater 1030, “Trespassers Will be Experimented Upon” (1968-1971) ***WD04:45:47.834 = Tales From The Tomb, “Hooked” (1960s)04:50:01.149 = Show Close(ADU) = Air Date Unknown(LQ) = Low Quality***WD = Remastered, edited, or cleaned up by Weird Darkness to make the episode more listenable. Audio may not be pristine, but it will be better than the original file which may have been unusable or more difficult to hear without editing.CUSTOM WEBPAGE: https://weirddarkness.com/WDRR0701Tonight's #RetroRadio — Old Time Radio in the Dark brings together a full night of vintage horror, mystery, and supernatural suspense, from a UFO sighting on an English hillside to a steel hook left dangling from a car door.The CBS Radio Mystery Theater opens the night with "A Message From Space," written by Ian Martin and starring Tony Roberts, in which a skeptical American feature writer named Pete Heron is sent by his editor uncle to debunk the wave of UFO sightings around Warminster, England — an ancient stretch of Wiltshire ringed by 45,000-year-old burial mounds, or barrows, and crossed by invisible electromagnetic ley lines. Guided by a strange radio man called Bryce Bond up to Star Hill, Pete watches a glowing craft settle into a wheat field and leave behind a scorched, counterclockwise depression no wind could explain. But it's the violet-eyed woman named Maru who keeps appearing there — claiming to be a reporter, smelling of roses and lily of the valley, and seeming, somehow, entirely out of this world — who tests everything Pete thought he knew.From The Sealed Book comes "Death Spins a Web," a tale narrated from the pages of the keeper's ponderous volume about the dying Mrs. Oliver Drake, who summons her three worthless grandchildren — Blanche, Vivian, and the charming polo-playing scoundrel Chris — to her mansion and announces that her entire fortune will go to just one of them. As Chris courts both beautiful cousins at once to hedge his bets, a canoe trip across a deserted lake sets a deadly scheme in motion, and the old woman proves to be playing a far stranger game than anyone suspects.The Shadow presents "The Ghost Walks Again," with Lamont Cranston and Margot Lane traveling to a small New England town terrified by the apparition of Sir Roger Mathis, the village's stern Puritan founder, dead more than two hundred years. Townsfolk who favor opening the ancient meeting hall to the public keep turning up dead inside its torture stocks and presses, each victim clutching a death warrant signed in Sir Roger's own hand, and Cranston must determine whether a real ghost or a very human killer haunts the old colonial hall.Sleep No More, hosted by Nelson Olmstead with Ben Grauer, offers two literary terrors. First is Jack London's "To Build a Fire," the unforgettable Yukon tale of a confident, imaginationless newcomer — a chechaquo — who sets out alone across the frozen trail at seventy-five below zero with only a husky for company, ignoring an old-timer's warning never to travel alone in such cold. Second is George G. Toudouze's "Three Skeleton Key," the story of a lighthouse keeper stationed on a tiny rock twenty miles off the coast of Guiana, who watches a derelict three-master sail straight toward the light carrying a writhing, starving army of ship's rats that soon lay siege to the tower with three men trapped inside.BBC Radio 4's Spine Chillers delivers "Doppelganger," a modern psychological horror about Noah, a frazzled young assistant who keeps waking at exactly 3:44 a.m., drowning in FOMO and social-media envy as she frantically tries to be everywhere at once — her mother's birthday dinner, a girls' trip, an exclusive private members' club. When her doorbell camera records her leaving the apartment one night but never coming back, and a voice on the phone that sounds exactly like her own begins narrating her every move, the question becomes whether she's sleepwalking or being replaced.Strange, hosted by author and supernatural expert Walter Gibson, presents "Greenwood Acres," the account of Army Lieutenant Seth Proctor, who, on leave in a small backwater Georgia town in 1952, goes fishing among the water lilies and discovers a gleaming white plantation house that his landlady insists has been a crumbling ruin since a Civil War tragedy in 1865. There he meets a beautiful blonde woman named Laura swimming in the river, who somehow already knows his name — and whose own story is bound up with a jealous uncle named Cassius and a renegade Northern soldier.Suspense brings "Defense Rests," starring Alan Ladd as Robert Tasker, a young ex-convict and aspiring writer paroled into the law office of Max Krager, the only friend he's ever had, played by John McIntyre. When Krager's partner Arthur Hines — the very district attorney who once sent Tasker to San Quentin — turns up dead in his own office with Tasker's fingerprints on the paperweight beside him, the case looks open and shut, until a missing $50,000 and a switchboard girl named Peggy complicate everything.Tales of the Frightened tells "Mirror of Death," the brief, eerie story of Celeste Collins, a pretty Irish girl of twenty-one whose hand mirror shatters on the floor on the morning of her birthday — and who, despite dismissing the broken-mirror superstition as nonsense, receives a tall, gift-wrapped delivery that evening with a reflection waiting inside it.The Creaking Door, sponsored by State Express 555 cigarettes, presents "Cards," set at a charming English village fete where a devout vicar reluctantly agrees to have his fortune told with a pack of tarot cards by Mrs. Heyman. When she falls into a trance and warns him to fear death by fire, fear that which flies in the air but is not a bird, and fear the things of night — the bat, the wolf, and the leopard — the vicar plans to fly to Tanzania anyway to tour the mission stations funded by the fabulous Shelby Diamond fortune.The Saint stars Vincent Price as Simon Templar, the Robin Hood of Modern Crime, who refuses a five-thousand-dollar bribe to leave a corrupt town and instead hunts the unknown crime boss who gunned down his childhood friend, Treasury agent John Daniels. Following a trail of frightened informants — undertakers, a doomed dame named Rose Taylor, a bookkeeper named Al Boston, and a terrifying insect-obsessed killer called the Professor — Templar closes in on the one man whose name nobody dares speak.Theater 1030, a CBC Toronto production, offers "Trespassers Will Be Experimented Upon," a darkly comic supernatural tale by Anthony Lee Flanders about Nigel Hurdstrom, a winner of five Nobel Prizes, who drives his glamorous wife Vanessa across the Saskatchewan prairie toward a long-dreaded reunion. A storm strands them at the misty castle of the wicked Baron von Schenck — the mysterious figure who once taught a lonely farm boy everything the wind had to teach — and the pupil has come back to challenge his master, with a monstrous transplant machine waiting in the dungeon.Tales From The Tomb closes the night with "Hooked," the classic campfire legend of Ronnie and Cindy, two Jefferson High teenagers parked on a deserted road by the woods, who hear a radio bulletin about an escaped killer with a steel hook for a right hand just moments before a loud thud strikes the passenger side of the truck.

Episode Summary In this episode, Karl Bryan and Rode Dog dive deep into the difference between being "rich" and "wealthy," explore frameworks for financial decision-making, and break down practical systems to help coaches and business owners accumulate lasting, quiet wealth (not just loud riches). They tackle the psychology behind wealth, the dangers of FOMO-driven habits, good versus bad debt, AI's role in coaching, and unconventional book recommendations for sharper coaching minds. Stick around for Karl's "moment of Zen" on intentionally shaping the feel of your life and business. Key Topics Covered Rich vs. Wealthy: The Real Difference Karl Bryan lays out the classic Shaq example: "I'm rich making $10 million, but the team owner is wealthy." Rich displays as loud (cars, houses, spend), while wealth is quiet and built by what you don't spend or sell—accumulated over time 02:30. Wealth results from assets held and never sold, while rich is about consumption and visible spending. FOMO and "keeping up with the Kardashians" fuel expensive habits that keep people from accumulating real wealth 05:48. Good Debt vs. Bad Debt Good debt creates positive returns (e.g., property investments that cashflow or machinery that generates more than its payment). Bad debt (especially student loans) is debt you can't escape, often with no financial upside 08:35. Why Optionality Trumps Just "Getting Rich" Karl explains why optionality—having choices—is the ultimate wealth: "Live where you want, drive what you want, do what you want." But beware of moving the goalposts due to FOMO 09:28. Tariffs and Manufacturing Jobs The duo discuss why tariffs alone aren't bringing back traditional manufacturing jobs. AI, automation, and energy are where the future is headed—not trying to revive 1950s economies 12:10. Unconventional Book Recommendations for Coaches Deep-dive recommendations include "Confessions of an Economic Hitman," "The Creature from Jekyll Island," "Antifragile," "What I Learned Losing a Million Dollars," "Sapiens," and "Principles." Each offers powerful mental models, psychological insights, and frameworks—far beyond conventional business books 16:16. Real Estate as a Growth Lever Karl shares advanced real estate strategies (especially in niches like mobile homes and boutique hotels), advocating for accumulating assets that pay you forever, not just selling for a one-time gain 30:09. Designing Your Home, Business, and Life for the Right Feel The "moment of Zen" focuses on intentionally defining how you want your business, home, and life to feel—and structuring rules, systems, and rewards to support that vision 34:17. Notable Quotes "Rich is loud, wealthy is quiet. You want to become wealthy. You want to guide your clients to be wealthy." – Karl Bryan 07:00 "Earned money equals never sell… Introduce me to a family with old money, and I'll introduce you to a great-grandfather who didn't sell." – Karl Bryan 04:25 "FOMO is your most expensive habit... We used to keep up with the Joneses, now it's keeping up with the Kardashians." – Karl Bryan 05:47 "Leadership starts with telling the truth. You have to tell yourself the truth." – Karl Bryan 05:20 "Tariffs: you can't tariff your way back to 1950. The jobs coming back are automated factories with robotic jobs. Amazon 101." – Karl Bryan 12:28 "The real opportunity is energy, tech, and land. That's where the big dogs are investing." – Karl Bryan 12:51 "Optionality is the ultimate goal: the happiest, most peaceful people have lots of options." – Karl Bryan 40:14 Actionable Takeaways Understand & Teach the REAL Difference: Make sure both you and your clients aim to quietly accumulate wealth by holding and nurturing assets, instead of focusing on appearances or loud spending. Leverage Good Debt: Only take on debt that creates positive cashflow and avoid high-interest, no-upside consumer and student debt. Set (and Don't Move) the Goalposts: Establish clear financial targets for yourself and clients and beware of letting FOMO push you into perpetual "more chasing." Read for Leverage: Go beyond trendy business books; seek out foundational texts that give you frameworks on systems, psychology, power, and wealth that most coaches overlook. Build Systems Over Motivation: Use principles and mental models (like those from "Principles" and "Antifragile") to make wealth and happiness inevitable in your business and life. Structure for Feel, Not Just Achievement: Define how you want your business, home, and vacations to feel—then create rules and systems that support that intention. Resources Mentioned Book Recommendations: Confessions of an Economic Hitman (John Perkins) The Creature from Jekyll Island (G. Edward Griffin) Antifragile (Nassim Nicholas Taleb) What I Learned Losing a Million Dollars (Jim Paul & Brendan Moynihan) Sapiens (Yuval Noah Harari) Principles (Ray Dalio) Profit Acceleration Software (by Karl Bryan): Proven system for compounding profit growth for coaches and their clients. Focused.com – Daily emails, coaching resources, and more Networking & Market Analysis: Understand your Total Addressable Market (TAM), find your niche, and track where "the puck is going." If you enjoyed the episode, please subscribe, share with a fellow coach, and leave a review. See you next week on Business Coaching Secrets! Ready to elevate your coaching business? Don't wait! Listen to this episode now and make strides towards your goals. Visit Focused.com for more information on the Profit Acceleration Software™ and join the thriving community. Get a demo at https://go.focused.com/profit-acceleration

We continue our abbreviated summer show schedule with an episode with a writer who experienced sexual abuse as a teen from an older friend, and a writer who wonders if they really have ADHD. Join our patreon!Listen ad-free, get the show a day early and enjoy the pre-show hang out on the same app you're using RIGHT NOW at www.Patreon.com/Therapy where you can also access our vast library of deep dives, interviews, skill shares, reviews and rants as well as our live discord chat!If you are an Apple user please rate us!If you are a Spotify user, please rate us!Submit a question to the show!Help us reach #1 on Goodpods!Interested in Nick's mental health approach to fitness? Check out www.MentalFitPersonalTraining.comCheck out Dr. Jim's book "Dadvice: 50 Fatherly Life Lessons" at www.DadviceBook.comGrab some swag at our store, www.PodTherapyBaitShop.comPlay Jim's Neurotic Bingo at home while you listen to the show, or don't, I'm not your supervisor.Submit questions to:www.PodTherapy.netPodTherapyGuys@gmail.comFollow us on Social Media:FacebookInstagramTwitterResources:Suicide Prevention Lifeline - 1-800-273-8255.Veterans Crisis Line - 1-800-273-8255.Substance Abuse & Mental Health Services Administration (SAMHSA) National Helpline - (1-800-662-HELP (4357)OK2Talk Helpline Teen Helpline - 1 (800) 273-TALKU.S. Mental Health Resources Hotline - 211

What happens when you stop chasing and start listening? In this episode, John shares the personal shifts he's working through after moving to Costa Rica. From learning to surf at 52 to redefining success, he reflects on slowing down, letting go of old patterns, and finding joy in the small moments that make life feel more alive. In this episode: • Why he's learning to approach surfing as a practice instead of a performance • The role of detachment in reducing stress and calming the nervous system • Letting go of FOMO and the pressure to constantly achieve • Challenging the belief that rest must be earned • Redefining what "enough" means beyond money, milestones, and validation • Learning to notice everyday moments of joy, or what he calls “nectar" John also shares reflections on adjusting to life in Costa Rica, embracing a slower pace, and documenting what he calls his "second rebirth." If this episode resonated with you, follow the podcast, share it with someone who needs it, and join us for the next conversation.

We have an investing recommendation for you: patience and caution! We discussed current market conditions and why markets have largely moved sideways despite strong gains earlier in the year. We examined the highly anticipated SpaceX IPO, debating whether its valuation justifies the excitement and highlighting the risks of buying high-profile stocks at elevated prices. We also explore market concentration in technology and semiconductors, the challenges facing software companies, and the growing influence of AI on corporate spending and investment decisions. We talk why investors should avoid chasing performance or making decisions based on FOMO, nuclear energy, and considered how changing market dynamics, valuations, and AI-driven trends may impact investment returns going forward. We discuss...  Why patience and caution remain important as markets have moved largely sideways over the past month. The SpaceX IPO and whether its valuation justifies the excitement surrounding the stock. Why great companies can still be poor investments if purchased at the wrong price. The risks of chasing market trends and investing based on FOMO. The concentration of market gains in technology and semiconductor stocks. The growing divergence between semiconductor companies and the broader software sector. Whether massive AI spending will ultimately generate returns that justify the investment. How AI is changing the business models and cash flow profiles of major technology companies. AI adoption may be advancing faster than its practical economic benefits. Why shorting expensive stocks can be extremely risky despite lofty valuations. The long-term investment case for nuclear energy and the growing power demands of AI data centers. The recent strength of the U.S. dollar despite widespread predictions of its decline. The importance of staying within your circle of competence when making investment decisions. How market valuations may impact expected returns over the next decade. Why diversification remains critical in an environment dominated by a handful of technology stocks. Why investors should focus on risk management rather than trying to predict market outcomes. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/investing-recommendation-827 

Taylor Swift popped up at Travis Kelce's Tight End Camp for a little song and dance. The blinds are full of hot gossip about . Leah thinks she might be or want to be a 'gym goblin.' And she has World Cup FOMO. Bradley is not amused with Madonna's smoke show at Paris Fashion Week. Which is odd. Minnesota was ranked the best state to roadtrip in the US. Luverne, Minnesota is now home to the world's largest nutcracker. Andi Otto from Twin Cities Pride calls in to share what's ahead for the big week. Prime Day is underway and there are big savings to be had. One-Star Reviews is full of hot takes on the Grand Canyon and more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Everyone keeps telling contractors they'll be out of business in six months if they don't adopt AI. The reality is calmer than that—and a lot more useful. In this episode of the Contractor Growth Network podcast, Logan Shinholser sits down with Peter Ranney and Elliott Wittstruck, the founders of DataX, an AI optimization company built specifically for contractors running JobTread. Peter and Elliott come from the remodeling world themselves, and DataX started as a hodgepodge of tools they built to solve their own problems—Peter brute-forcing automations in Zapier, Elliott writing code for cash flow projection calendars. They walk through how those scrappy internal tools turned into a software company, and why the goal was never to build a business so much as to build helpful things and share them. Along the way they break down what AI actually does well in a construction business right now: receipt processing that runs while you sleep, a grammar checker that turns "bathroom color?" into a question a high-end client will actually respect, and connecting your phone system, Gmail, and Zillow data into JobTread as a single source of truth. Frontier models like Claude and ChatGPT will "brute force" a vague prompt by burning huge amounts of tokens and time—sometimes 15 to 20 minutes per question. DataX pre-defines the construction logic and JobTread tools on the back end so the same task runs 20 to 50 times more efficiently. Peter and Elliott also get into the misconceptions—the FOMO, the trap of solving problems that don't exist, and why you can't outrun a business with foundations that aren't set up yet. If you've been told AI is going to leave you behind but you don't know where to actually start, this episode gives you a grounded, contractor-specific way to think about it.  Timestamps 00:00  —  Meet Peter and Elliott, the founders of DataX 01:22  —  Peter's origin story: from BuilderTrend to JobTread to Zapier 08:09  —  Elliott's path: band director, self-taught coder, family business 14:07  —  The biggest misconception: FOMO and solving problems that don't exist 14:46  —  Only 0.4% of the world pays for AI—you're not behind 17:12  —  How DataX acts as guardrails between you and JobTread 18:25  —  The massive system prompt behind DataX (20–50x more efficient) 33:27  —  The bread aisle analogy: buy tools, don't build everything 46:23  —  The most-used workflow: the receipt processor 01:01:37  —  Final thoughts: have AI tell the humans what to do

What can the largest IPO in history to date teach everyday investors about building long-term wealth? The recent public offering of SpaceX captured headlines around the world, generating excitement, speculation, and a healthy dose of fear of missing out. While rockets, space exploration, and ambitious visions for the future make for fascinating conversation, the real lessons for investors go far beyond the company itself. In this episode of Retire in Texas, Darryl Lyons examines the historic SpaceX IPO through the lens of investor behavior, market psychology, and long-term financial planning. He explores why liquidity events matter, how emotions like FOMO and euphoria can influence decision making, and what investors should consider before chasing the latest market trend. Darryl also discusses the role of diversification, the mechanics of index investing, and why maintaining a disciplined investment strategy remains critical even during moments of market excitement. Whether you're intrigued by the future of space exploration or simply wondering if you should invest in the next big opportunity, this episode offers practical insights that can help you make more informed financial decisions. You'll learn: • What an IPO is and why liquidity events are important for investors and companies. • How fear of missing out can lead to costly investment mistakes. • Why euphoria and panic are closely related emotions in the investing world. • How large public companies eventually become part of diversified portfolios and market indexes. • The role capitalism plays in funding innovation and entrepreneurial vision. • Key questions every investor should ask before purchasing an individual stock. • Why diversification remains one of the most effective tools for managing risk. If you've ever wondered whether you should chase the latest investment opportunity or stay focused on your long-term plan, this episode provides a valuable perspective on balancing excitement with discipline and keeping your financial goals front and center. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Resources: The SpaceX IPO: How Index Funds Are Adapting | Morningstar IPO Data - Jay R. Ritter This content is for informational and educational purposes only and should not be construed as investment, tax, or legal advice. All investments involve risk, including the potential loss of principal. Past performance or historical trends are not indicative of future results. Please consult your financial advisor before making any investment decisions.

Have you ever bought something because it was "almost sold out" or because a sale was ending at midnight? If so, you're not alone. Scarcity is one of the most powerful forces influencing human behavior. When something becomes difficult to get, we often value it more—even if we weren't interested in it before. Marketers know this. That's why you'll see messages like "Only 3 left in stock," "Limited-time offer," or "Sale ends tonight." Sometimes those claims reflect genuine scarcity. Other times, they are carefully designed to create urgency and push you toward a decision. In this episode, we explore why scarcity is so effective, how it taps into fundamental human psychology, and the many ways businesses use it to influence what you buy. Joining me is Mindy Weinstein, a marketing instructor at Grand Canyon University and the University of Denver, as well as a program leader for The Wharton School and Columbia Business School. She is also author of the book The Power of Scarcity: Leveraging Urgency and Demand to Influence Customer Decisions (https://amzn.to/3QizF3u). What you'll discover: Why scarce products and opportunities instantly become more attractive. The difference between real scarcity and manufactured scarcity. How fear of missing out (FOMO) drives purchasing decisions. Why limited choices can sometimes make people more likely to act. Practical ways to recognize and resist scarcity-based manipulation. PLEASE SUPPORT OUR SPONSORS POCKET HOSE: For a limited time, when you purchase a new Pocket Hose Ballistic, you'll get a FREE 360 degree rotating pocket pivot and a FREE thumb drive nozzle! Just text SYSK to 64000 AIR DOCTOR: Head to ⁠⁠https://AirDoctorPro.com⁠⁠ and use promo code SYSK to get $250 off select AirDoctor air purifiers, including the 3500, 4000, and 5500 models. Plus, you'll receive a free 3year warranty!  RULA: Thousands of people are already using Rula to get affordable, high-quality therapy that's actually covered by insurance. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://Rula.com/sysk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to get started. QUINCE: Elevate your summer wardrobe. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://Quince.com/sysk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping on your order and 365-day returns. Now available in Canada, too! SHOPIFY: It's time to turn those "what ifs" into CHA CHING with Shopify Today! Sign up for your $1 per month trail and start selling today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://Shopify.com/sysk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Hour 3 opens up with the guys discussing Dusty May joining the Mavericks and if Trail Blazers fans should have FOMO. Later, the guys discuss if they think the Blazers make a move this offseason and more!

Joe Schmitz, CEO of Peak Retirement Planning, urges investors to stay disciplined in volatile markets and avoid emotional decisions. He calls the SpaceX (SPCX) IPO overpriced and warns against chasing hype. Schmitz emphasizes long-term diversification and managing sequence-of-returns risk, especially for retirees.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe 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

¿Y si perderse cosas fuera una forma de libertad? El filósofo Juan Evaristo Valls Boix plantea esta idea en JOMO. El gusto de perder (Cuadernos Anagrama), un ensayo que reivindica el derecho a decir no en una sociedad obsesionada con la productividad, la hiperconexión y el miedo a quedarse fuera. Frente al conocido FOMO (fear of missing out), el autor propone el JOMO (joy of missing out): la alegría de perderse cosas para recuperar tiempo, atención y libertad.La promoción de la lectura protagoniza otro de los momentos destacados del programa con el reconocimiento a Un país para leerlo, espacio de La 2 galardonado con el Premio Nacional al Fomento de la Lectura 2026. Conversamos con su codirector, Luis Miguel Gómez , así como con Ignacio Elguero, responsable de iniciativas culturales de RTVE e impulsor del proyecto, sobre una iniciativa que ha convertido los libros y sus autores en protagonistas de la televisión pública. La actualidad cultural nos lleva también al Museo Thyssen-Bornemisza, que presenta una gran retrospectiva dedicada a Carmen Laffon, una de las figuras esenciales del arte español contemporáneo, y al ambicioso proyecto internacional para reconstruir el inacabado Don Quijote de Orson Welles, en el que participa la Filmoteca Española. Además, celebramos el hallazgo de una partitura inédita de Mozart descubierta por la Biblioteca Nacional de Francia, repasamos el legado de Nintendo 64 cuando se cumplen treinta años de su lanzamiento y nos acercamos a Manos de pobre, el cómic de Silvia Bezos, ganador del Premio Pang, que reflexiona sobre la desigualdad, la movilidad social y el acceso a la cultura.Escuchar audio

SpaceX raised $75 billion in the largest IPO in history -- more than all 71 other IPOs combined so far this year. Shares jumped nearly 20% on day one. Elon Musk became the world's first trillionaire. And if you're a regular investor asking whether you missed out, Joe and OG have a very specific answer: the life-changing money was already gone before the ticker symbol appeared. Here's how IPOs actually work, who really wins, and why your index fund is probably going to own SpaceX anyway.What You'll Walk Away WithWhy the 20% first-day pop was largely an illusion for retail investors -- and what actually happened to the price between $135 and the moment you could buy itThe auction mechanics behind IPO pricing: why institutional investors with early access capture most of the return before the stock hits public marketsWhy OG argues that even putting a million dollars into SpaceX at the IPO price and making 20% isn't life-changing -- and why that math actually makes the risk harder to justify, not easierThe sobering stat: 71 other IPOs happened this year before SpaceX, raising a combined $36 billion between themHow SpaceX could still end up in your portfolio without you doing anything -- and which indexes will add it faster than others under new fast-entry provisionsWhy S&P 500 investors will have to wait: the three criteria any company must meet before joining, and why SpaceX's profitability timeline makes one of them complicatedThe six new space-themed ETFs Wall Street created in the past three months -- and what that pattern always signalsOG on why the person who got rich on SpaceX put money in before you knew it existed, and why you wouldn't have done it eitherWhy being wrong on a small speculative position might be the most valuable financial education available -- and OG's Thanksgiving pan storyOG and Anna on college planning: how to calculate your actual funding gap, why FAFSA still matters even if you won't qualify for need-based aid, and the high school glide path that protects your savings from market timing risk in the final four yearsWhy This Matters NowEvery few years a story like SpaceX comes along and makes every investor feel like they missed the trade of a lifetime. The real question isn't whether you missed SpaceX -- it's whether you have a plan that captures the next one automatically, without you having to call your shot.From the BasementJoe and OG dig into the SpaceX IPO mechanics, the FOMO math, and why index fund investors may own it soon anyway without lifting a finger. OG and Anna deliver the penultimate episode of their financial basics series with a full college planning walkthrough including the gap calculator, FAFSA, and the glide path strategy for the four years before tuition is due. Doug arrives with Meryl Streep trivia. The show introduces Scout, a new AI assistant built specifically for the Stacking Benjamins guides that only answers from the guides themselves -- and tells you when it doesn't know. Congratulations go out to Stacker Melissa, who finished her last day of work.Resources MentionedStacking Benjamins Guides -- college planning, tax, and workplace benefits guides with new Scout AI assistant; stackingbenjamins.com/guidesStacking Benjamins Basics Guide -- stackingbenjamins.com/basicsguideStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201The College Investor -- Robert Farrington; collaborator on the college planning guide; thecollegeinvestor.comGranola AI -- meeting notes tool; granola.ai/sbStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

That sting of watching the internet's "it" crowd gather in a room you weren't invited to? Kelly has something to say about it. In this episode she pulls back the curtain on the FOMO machine of the online business world: who's engineering that left-out feeling on purpose, the manipulative engagement campaign you'll never be able to unsee once she names it, and why the most successful people she knows quietly choose not to be in those rooms at all. She also gets honest about the difference between looking successful and being successful, and where the real friendships and real strategy actually live. What's inside: Why that feeling of being left out is created by design The "real friends comment on my content" campaign, decoded What friendship actually looks like at the multi-7 and 8-figure level The question to ask before you chase one more invitation Timestamps 00:00 — Everyone is in a moment of discernment right now 01:00 — Relationships through a completely different lens 02:00 — The FOMO of the rooms you're not invited to  04:00 — Earning the seat vs. realizing you don't want it 06:00 — Why Kelly has always been a lone wolf 07:30 — Cheerleaders, or real friends you can call when it all hits the fan? 09:00 — The "real friends comment on my content" manipulation 11:00 — What real friendship at this level actually looks lik 13:00 — The masterminds where the clients end up out-coaching the mentor 15:00 — Value over celebrity: the story behind Legacy Leaders 17:00 — "You wouldn't want that life" and the real cost of internet fame 19:00 — Why more 8-figure businesses have under 1,000 followers 20:30 — What success really means, and the room that's actually for you 21:30 — Trust your gut and choose the life, not the celebrity Resources: Learn more about Legacy Leaders: Kelly's 11-year mastermind community for founders building real multi-seven and eight-figure businesses, with direct access to Kelly and Danielle: https://join.thebusinessadvisory.com/join  Grab your copy of the Conviction Marketing book: Kelly's framework for building on value instead of internet celebrity: https://a.co/d/0e9Xo5xy  Grab your ticket for Called to Lead 2026: https://www.sandiglandt.com/called-to-lead Subscribe to Kelly's Substack: https://kellyroachofficial.substack.com/subscribe 

What if the real secret to a lasting writing career isn't talent or luck, but learning to thrive in the mess? Why are in-person events worthwhile even if the maths doesn't add up? How do you protect your creativity when the machines never sleep and the community is at one another's throats? With Mark Leslie Lefebvre In the intro, Has AI Already Killed Non-Fiction [Tim Ferriss]; 9 ways that AI would disrupt authors and the publishing industry over the next decade; Pivoting towards The Transformation Economy; and Who do you serve? This podcast is sponsored by Kobo Writing Life, which helps authors self-publish and reach readers in global markets through the Kobo eco-system. You can also subscribe to the Kobo Writing Life podcast for interviews with successful indie authors. This show is also supported by my Patrons. Join my Community at Patreon.com/thecreativepenn Mark Leslie Lefebvre is the author of horror and paranormal fiction, as well as non-fiction travel and books for authors. He's also an editor, professional speaker, and the Director of Business Development at Draft2Digital. His latest book is Stark Realities: Stacked Up Lessons Every Writer Needs to Know About the Business of Writing and Publishing. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights and the full transcript is below. Show Notes Why print and in-person events are making a comeback for indie authors The case for (and against) licensing your voice clone through ElevenLabs Why we keep selling books in person when the numbers rarely add up Measuring success by creative satisfaction rather than money Being honest about author earnings and the fear of being truly seen Managing stress, divisiveness, and the noise around AI You can find Mark at MarkLeslie.ca. Transcript of the interview with Mark Leslie Lefebvre Jo: Mark Leslie Lefebvre is the author of horror and paranormal fiction, as well as non-fiction travel and books for authors. He's also an editor, professional speaker, and the Director of Business Development at Draft2Digital. His latest book is Stark Realities: Stacked Up Lessons Every Writer Needs to Know About the Business of Writing and Publishing. Welcome back to the show, Mark. Mark: Oh, hey, Jo. It's always an awesome time chatting with you. Jo: You've been on the show lots of times over the years, but the last time was in September 2024, when we talked about selling books in person. So give us a bit of an update. What does your writing and publishing business look like at the moment? How do you manage it alongside the day job and everything else you do? Mark: Oh my God. Well, sleep is—no rest for the wicked, maybe. I'll sleep when I'm dead. It's so funny, it was just this last weekend in Waterloo. I was at Waterloo Book Fest, and somebody came up to my table—another author from one of the other tables—and said, “I heard you on the The Creative Penn Podcast. And then when you mentioned something about Waterloo, I said, ‘He can't be from Waterloo.' And then when you mentioned the skeleton, I said, ‘I know where he lives.'” Jo: That's scary. Mark: So I love the fact that there are so many of your listeners all over the world, and that's usually how people know me. No matter what else I've done, it's like, “Oh, you've been on Joanna Penn's podcast.” I'll say, “Yes, I have.” You know what's really funny? The last time I was on the podcast, we were talking about A Book in Hand, which I was supposed to release that year. Jo: Yes. Mark: I just added another 5,000 words to it this morning. Jo: Wait, it's still not published? Mark: No, and it's so funny. I actually have the first 60,000 words of it with an editor right now, and I told her I'd get her the rest of it, which I thought would be another 20,000 words, by the end of June. But I think it's going to hit 100,000. Here's the weird thing that happened with this. This is trying to accumulate my life of book selling, as well as doubling down on doing in-person events in the last several years. I thought I was going to have the book done in 2024. I ran into some issues where I didn't back it up properly. It was an old version, and I accidentally overwrote the only version I had. Jo: So, for everyone listening, Mark—how many decades have you been an author and a publisher? How come you're still missing deadlines and still not backing up your work properly? Mark: Yes, this is a lesson: no matter how long you've been doing something, you can still make boneheaded errors. So if you, dear listener, have made mistakes, just know that this old guy who's been doing this since the mid-'80s still makes mistakes like that. Don't beat yourself up. I probably did something worse. Anyway, that book I thought was going to be maybe 40, 45,000 words, it's going to be bigger than Wide for the Win—close to 100,000 words. Here's a really important lesson I learned in that, Jo. I thought the book would be something. It became something else. Through my own experiences of doing more in-person events, book signings, and library event. Also in talking to awesome folks like Johnny B. Truant, Katie Cross, Todd Fahnestock, and so many other authors I know, and seeing what Ben Wolf is up to, and a whole bunch of different people who are doing in-person events. In creating case studies for how they interact specifically with a bookstore or library, or how they do in-person selling—I really think the book wasn't ready then. It's like the recipe wasn't ready. I still needed to play with some things. I do sincerely have faith, since I got it into the editorial process, that this will be the year the book actually gets released. Jo: As you said, there are some really good lessons there around sometimes the book not being quite ready. I'd bought an early version from the StoryBundle, which is how I got this book as well, actually. Mark: Yes. Jo: That's another tip for people—storybundle.com. You can go and find some great bundles there. I was also thinking, as you were talking, that maybe one of the reasons this book about in-person events has got so big is because that's a real trend in the community. It feels like indies, we've moved… Back in the day, I said, “I'm not doing print. No way.” This was the early days of digital, because print was really hard back then. So I was like, “Oh, and we've got all the advantages doing digital, so I'm just going to focus on that.” It feels like the pendulum has swung, perhaps even more with the ease of mass production of digital with AI. The focus on print and in person is getting stronger and stronger. Do you think that's happening? Mark: Oh, yes, 100%. I did print in 2004. It was really hard back then, so that's gotten easier. I think there are a few reasons. One of the reasons is, yes, digital made it so much easier for indie authors to get out there and break into the community. But the reality is that print books still outsell e-books in general—overall—despite the fact that indie authors can make six and seven figures a year from selling e-books alone on a single platform. So print has never really gone away. It was just never something indie authors attended to. They were in a different business than traditional publishers were in. And second, obviously I've got these gorgeous books that you've created on Kickstarter, because I like the beautiful books. I've never stopped buying print books. I actually buy more print books. I read more because of audiobooks and e-books, but I buy more print books, especially when I can get a nice signed copy. Then the other reason comes back, again, to your advice—something I've been following for the longest time, and you've long been saying. I do repeat this, and I try my best to offer attribution to you every time I use it: to double down on your humanity, particularly in this age of digital generation and the ability for even non-writers to leverage tools to create content. I think it's so much more important for me, as a creative who will never be able to catch up with the machines, to exploit my humanity. I mean, we both have digital voices of ourselves, right? There's a digital Mark Leslie Lefebvre voice that people can use, and I'm making money off it because people are able to license it through ElevenLabs. But when I'm there in person, so far the holograms aren't good enough to fool people. I think I'm not just selling a book to somebody; I want to create an experience where, “Oh, I'm talking to the author, and we're signing a book together, and we're taking a selfie together.” For me, there's that tactile experience that's really enriching. And it may not be something that lines my pockets as easily, because the investment is more significant. For every $10 I make, it costs me six or seven dollars, as opposed to an e-book, where the cost is amortised in the most beautiful way over millions of copies. Jo: There are a few things there. First of all, let's talk about that ElevenLabs voice licensing, because, as you say, I also have a voice clone. Bones of the Deep, the latest book, that's my voice clone. I haven't gone with the licensing, partly because you don't have control over what someone can do with it. So, for example, someone could create Nazi content, or content that I might not agree with, in my voice. So how have you got over that? Because part of me really does want to license my voice, and the other part doesn't. Mark: This is a great question, Jo, and I'm glad you asked it. It's the same reason I don't worry about people stealing my books—adding DRM onto my e-books and things like that. I may as well make some money off it, because let's be honest: you and I, our voices are out there. Thousands of hours of our voices, right? In your podcast, my podcast, in various interviews we've done over the years. The technology exists for someone to make a copy of my voice themselves anyway. The tools exist. They can do it easily, so why not do it myself and at least make money? I'm actually getting money deposited into my account. Not a lot—maybe $30, $18, something like that every week. Again, I've taken a lot of my non-fiction books that I haven't had the time to record myself, as I like to do, and I can at least load those to ElevenLabs and make my voice the default voice. But wouldn't it be great to be able to listen to my book in your voice? It would sound so much better. Because you can do that. When you listen to a book on that platform, you can choose my voice if you'd rather hear it in my voice, or you can choose Burt Reynolds' voice, or some other folks who've licensed theirs. Again, for me, the whole concept of wide publishing has always been important. It's another small revenue stream that's adding to my numerous revenue streams. So I guess that's how I've justified just licensing the voice. If someone's going to do something with my voice that I can't control, they can do it regardless of whether or not I put it out there myself. Jo: I agree with you. That could happen, and neither of us is famous enough that it's likely to happen anyway. I do quite like the idea of people using our voices, say, for other books for authors, because that would make sense—that's where we fit in the niche. I will rethink that, because I think it's interesting. I wanted to come back to print books. You said sometimes there are easier ways to line your pockets, and I think that's funny. So, getting into the book, this leapt out at me quite near the beginning: Why do we keep doing this when the maths almost never adds up? Mark: Oh, I have a perfect example of that from an event I did a couple of weekends ago in Burlington, Ontario. I think it was a $60 table fee. It was a new event. I believe I made $90 or $95 in sales. So even after the costs of printing and all that stuff, I really didn't make money. I made my table back, which is always a good thing. There were a few encounters I had with people who were really excited to find my Canadian Werewolf series of books, and just so thrilled to get started. Among the four of them, they bought one copy, but they were going to pass it amongst each other. You know what? Okay, they bought a single copy, and I was like, “Well, the e-book is permanently free online. You don't even have to buy a copy”—which is anti-selling. I just want them to read the book and enjoy it. But if they read it and pass it along and start talking about it, they could become readers for a long time. It's an eight-book series, with the ninth book coming out later this year. There was another encounter I had that day. A woman and her teenage daughter came in, and they were looking at my traditionally published books that I buy at a reduced price from a local bookstore and resell. They were looking at these true ghost story books I had, and they were pointing: “Do you have that one?” “Yes, I have this one, I have that one.” And the mother's like, “Well, she collects all your books, and she wants to make sure she has them.” We had this conversation, and she was so excited to meet me in person and to get a signed copy of the book. That experience was such a vanity moment for me as an author. We're lonely. I'm a big loser. Nobody's buying my books. We're always down on ourselves. So that investment of time and energy, in order to get that little pat on the back or that feeling of, “Wow, I really connected with someone who likes my stuff”—those moments are really precious. They're difficult to explain if you only look at the world in a financial way. I guess I'm fortunate enough that I do have enough income from numerous streams, including the consulting I do part-time, that it's okay if not every bookish endeavour leads to more money in my pocket at the end of the day. I can still have these authentic connections with people, which I think is one of the reasons I'm a storyteller. Yes, it's the stories I have to tell, but it's also putting the story into somebody else's hands and eyes and heart and mind. Jo: You're very giving like that. You have that sense about you, whereas I'm just a curmudgeon in the corner. Mark: That is not true. Jo: It is, generally. I don't do events like you do for readers. Mark: But that's because it takes a lot out of you. Jo: Yes, but that doesn't matter. Why do I write? I write for me. Mark: Ah, very good. Jo: At the end of the day—just being entirely selfish about this—when people say, “Oh, if you won the lottery, what would you do?” I'm like, “Well, I'd do pretty much what I'm doing now.” Mark: Yes, I'd just do the same. Of course, I'd write more books. Jo: I'd write more books. So this is where I'm trying to get to for people as well: measuring success in a different way. You were talking about measuring success by how that girl loved your books, and how you feel when someone says they love your books. With Bones of the Deep, this thriller I've just done, I feel like I had the benefit of that book before anyone even read it. As soon as it was finished, I made a nice proof copy from BookVault, and I held it in my hand and said, “I made this. I'm proud of the story, I wrote the story, and it's outside my head now.” I feel like I'm creatively satisfied in that moment. Then, of course, the Kickstarter was great, and I love that the books are going out around the world, but— I think the happiest I felt was that moment of finishing—that creative satisfaction of holding the book in my hand. You know what I mean? Mark: 100%, Jo. I cannot agree with you enough. I love so many aspects of writing. Yes, the connection with people is amazing. But I often say this when I'm doing my one-on-one consulting with authors: focus on the projects that mean the most to you, those passion projects. The process of writing, and the painful rewriting and editing and all the things you go through—when you finish that book, like you said, you hold it in your hands and it is a thing of beauty. It's a huge achievement. You've won. Whether or not you sell a single copy, you've won by doing it. Everything else is gravy: the sales, the money in your pocket or not, the reviews, positive or not, the people who say, “Oh my God, Bones of the Deep, thank you for writing this book. I'm so glad you introduced this into the world and into my life.” Anything beyond the creation itself, which is a pure joy—I love it so much. It's just why I get up at 5:30 every morning and write for hours before the rest of my day begins. I try to get stuff done before the rest of the world wakes up. I want to get the writing done first, when I have the most energy to give myself to the page. Then the rest of the day is kind of gravy for me too. Jo: You talk there about giving yourself to the page, but in Stark Realities— You talk about the fear of truly being seen. What do you mean by that, and how do you manage that feeling? Mark: For anyone who has written anything—fiction, non-fiction, memoir in particular, since it's a bit more closely tied to reality—it's exposing yourself to the world. I'll never forget an interview I did with Canadian science fiction author Julie E. Czerneda, who, before being a fiction writer, was writing biology textbooks, but her real passion was science fiction and fiction. When her first novel came out, she said, “It's like standing naked on the front lawn.” When you release a book, even a novel, people look at it and they're going to judge you and rate you. I remember early on, Jo—we knew each other through Twitter, I think, where we initially met, and then interacted with and finally met in person at London Book Fair. I think you and I have a very similar reaction. When people know us as positive and upbeat and out there helping authors in the community, and then they read our fiction, they go, “Well, Jo, you burned a nun alive on page one.” Or, “Mark, what kind of… they're drinking from the skulls of dead people? What the heck is going on with you two?” We are exposing parts of ourselves in our fiction and non-fiction. That's a fear I embrace, but also never get over, if that makes any sense. I write scary stories because I'm a big chicken. So maybe the entire process is just cheap therapy for me. Or not cheap, because it's an expensive pastime, isn't it? Jo: It certainly can be, but I agree. I struggle with fear of judgment still. I think it's also because we do this in public, which comes back to the financial side of things. We do a lot of this in public, and then people judge us on our author businesses too. You could look at Bones of the Deep, which was just on Kickstarter, and compare my Kickstarter to another author's Kickstarter for a fiction book, and judge one or the other person based on numbers. I feel like this is because you and I have done so much in public—for me, almost 20 years, and for you, like 40 years or whatever. Maybe 30 years. You look that old. Mark: Listen there, dearie. Get off my lawn. Jo: Yes, get off my lawn—with those skeletons you have on your lawn. Mark: Yes. They're no longer in my closet. Jo: They're not in your closet. I wonder if that also plays a part of it—the pros and cons of doing this business in public. Mark: Yes, that is a part of it. One thing I try to be very clear about, because there's so much FOMO and so much out there about people thinking that everyone else is making a million dollars from their books and “I'm the only loser who's not”—I try to be clear that I have never made more than a mid-five figures as an author from my author earnings, ever. I haven't yet hit six figures. One of the reasons I try to be transparent in sharing that is I don't want people to think that everyone else is a six- and seven-figure success story, and they're the only one who's only made $100 last year on their books. The reality is, 90 to 99% of the people who are writing and publishing are not going to earn a significant amount of money. I realise I'm also very, very lucky that I've earned this much, and it's taken a long time. I just shared this in a Substack post I posted yesterday: it was 10 years of rejections before I got $5 for my first short story that was published in '92. It wasn't until 2001 that I finally made pro rate, six cents US a word, for a short story that, ironically, Julie Czerneda bought from me back in the day. For me, I've been lucky that it's always been a long, slow slog. It's been a marathon, and I've never instantly sprinted across any dramatic finish line. I've had some really phenomenal moments—doing a book signing in a Costco, walking into Walmart and seeing my books there. Even last night at the Burlington Public Library, going, “Wow, they have eight of my books here—four of my self-published books and four of my traditionally published books, in two different sections.” I was like, “That's kind of cool.” So I've had these amazing moments as a writer, but I've never had the blockbuster—the Brandon Sanderson, or even the Dungeon Crawler Carl, Matt Dinniman, kind of moments. I still think I've had a very fortunate and lucky journey. Even if I wasn't making the money I'm making, I'd still be writing, and I'm sure you would be too. Jo: Oh, yes, for sure. I actually think the thing most of us would probably let go is the marketing. If we won the lottery, we'd carry on with all the creative stuff, the writing, the community stuff, and we'd just literally do no marketing at all. Mark: Well, yes, of course. Or potentially say, “Oh, here, ad agency, here's some money. You just run it, whatever. Let me know if it works or not. I don't care.” Jo: That's a much better idea. Mark: At least I've got the extra disposable income, so I may as well, because I'm helping the world when my books are out there. I know my books will help people. I really honestly think that as storytellers—whether it's fiction or non-fiction, we're still storytellers—what we do in writing and podcasting and all the things we do, the re-sharing on social media, is really helping connect people. I think that is one of the most profound things we can do as writers. And I mean that the writing, in and of itself, is a reward. Jo: Like you said, we met on Twitter when Twitter was what it was back in the day. I do very, very little social media now. But you just mentioned your Substack, and you also have your podcast, Stark Reflections. So how are you balancing what you put on each? I only do this podcast now. I don't even blog. I write books, obviously, and then I do the podcast. So what are you doing differently on Substack to the podcast, and what part do they play in income and marketing? Mark: Great question. I realise most people have never heard of me, or read or listened to the things I put out into the world. And I've been a longtime fan of “reduce, reuse, recycle my IP.” My podcast is not as long-running as yours, but I'm in my ninth year, and I've not missed a single Friday in the full eight years, or eight and a half by now, that I've been doing this. Every week I reflect on what I learned from an interview, or I'll reflect on something you've posted and say, “This episode is not an interview, but Jo said this last week, and I'm going to talk about it.” The podcast itself takes a lot of work. I still do all of it myself, and I know I probably shouldn't, but I like doing it, so it's one of those tasks I enjoy. I also have reflections that aren't going to come out vocally but might come out in writing. Sometimes in the morning I'm not in the mood to write the novel or the non-fiction book I'm writing, but I'm writing some tangent. I just let the creative monster go. I find that re-sharing… I might have reflected on something for a couple of minutes at the end of an interview, but I really want to expand upon it, so I write the Substack article. I try to reuse some of that content. Someone's going to enjoy seeing it on a short video clip I share on YouTube, or whatever the platform is. Someone else is going to listen to it on a podcast, wherever they listen to podcasts, and someone else is going to want to read it. It could be the same information, just shared in a slightly different way, to potentially get it out to other people. So for me, it's part of that wide publishing mentality. I'm trying not to completely duplicate the work, although I am duplicating some of it. I'll give you an example. Hey, Canadian listeners—if you have not registered for Public Lending Right in Canada, please put something in your calendar for February 2027, because the deadline's over. It was May 1st of 2026. Put it in your calendar for next year. I even had somebody at this writers' event I was at this last weekend say, “You mentioned something in a presentation you did for the Canadian Authors Association about Public Lending Right, and thank you, because now I get thousands of dollars a year from this.” So just look up Public Lending Right. I've been saying stuff about Public Lending Right for at least 10 years now. Every time I get my beautiful multi-four-figure cheque from them in February every year, I post on social media and remind authors to check it out. I know it exists in the UK, and it exists in 36 countries in the world—just not the US. Jo: Not the US. Mark: They don't have a programme like this, probably because the big publishers—and probably one of the authors' associations—think that libraries are cannibalising book sales, which is not true. It's been proven time and time again, and that lobbying has prevented it from happening. Whereas here in Canada, the Canada Council for the Arts and the Writers' Union of Canada worked hard to make this happen. Anyway, I talk about something like Public Lending Right and I feel like I must have said this so much that people are sick of it, but every single time I mention it, someone goes, “Oh my God, thanks for saying that. I never heard it.” That's a good reminder, especially for folks like you and me. We know the basics. We know what an ISBN is. We know KDP Select means you can't put the e-book on any other retailer, or even sell it on your own website. We know all these things, but it's hard for us to remember that there are folks coming to this for the very first time who've never heard it, even though we feel like, “Oh my God, I've said this till I'm blue in the face.” I think I got that from retail. When I worked in retail, I recognised that somebody's going to come in and ask for “that blue book that Reese Witherspoon was talking about,” or Oprah was talking about, or whatever. And you do your darn best to help them figure it out rather than mock them. I try to take the same approach when people ask me those questions, because I'm trying to remember what it was like when I honestly did not know the answer, and having someone take the time to help me. I've been very, very lucky that I've had a lot of people take the time to help me. I'll never forget—God rest her soul—Nancy Kilpatrick, a horror writer here from Canada who passed away a few years ago. She gave me a blurb for my very first book in 2004 because she'd acquired one of my short stories for an anthology she'd edited. I was trying to call my short story collection an anthology, and she very kindly took me aside and said, “It's not an anthology if it's a single author. An anthology is a…” Jo: I didn't know that until, like, last year. I got that wrong as well. There are lots of words like that. I want to circle back, because you didn't really answer earlier about the time management. You just mentioned YouTube, on top of Substack and all the things you do. You also have a day job at Draft2Digital—it's part-time, right? You also do part-time at the university, teaching publishing, right? You do all kinds of things. How do you manage your time with all of that? Mark: Well, I mismanage my time more than I manage it, Jo. That's the God's honest truth. Fortunately, most of the things I have that aren't scheduled—like, scheduled to do this lecture at this time, or scheduled to have this meeting at this particular time with Draft2Digital—most of my work is very flexible. I do not work a regular 9:00 to 5:00, Monday to Friday. Well, I never did. I always worked way more. But I have a very flexible schedule. Every single day is a work day, and every single day is a play day for me. So I'm very, very lucky. I do schedule in the very important things, particularly where somebody else is reliant upon me—meetings and connections and stuff like that. Then I make the time first thing in the morning to get the writing done. Everything else is not as important, and it's part of… I guess it's part of playing. You know, like the social media sharing. I don't look at social media as marketing. I just look at it as another way to connect with people, with other creatives, and with readers potentially, all six people who read my stuff. I probably could do a better job of managing my time. I've tried several times over the years to adapt processes to make it better, but I consistently default back to what I do, and so far I guess I've been getting away with it. So I was like, “Do I want to waste more time trying to come up with a process, or do I just want to roll with it?” Because so far I haven't killed myself doing it, and I've been enjoying the journey. So, if it ain't broke… Jo: I think that's the point, if it doesn't feel like it's broken. Having known you for a long time now, and we work together—obviously we co-wrote The Relaxed Author—you do work very, very differently to me. You definitely are a little bit more chaotic. I'm chaotic in some ways too. Mark: Oh, you're very generous. “A little bit chaotic.” Thanks. That was generous, Jo. Jo: You're chaotic in your work practices and scheduling and all that, which I couldn't cope with very well. Even though I feel like a part of my brain is very chaotic—the creative side, I guess, can be quite chaotic—I think I'm actually quite controlling and very scheduled in my work practices. As you say, for someone else on the outside, it might feel to me like you have too many balls in the air. But if you don't feel that, then that's the way of working that works for you. So this is another important thing, isn't it? You can't adapt to what other people say your life should look like. It's what feels good to you. Mark: Oh, for sure. One thing I know about my procrastination tendency is that panic and fear motivate me. So, a deadline—”I have to get this into a publisher by this date, I have to get this manuscript to an editor by that date”—I'm motivated by fear. And I'm afraid of everything, so I guess I'm always motivated. Jo: But I also know that when you hear the word “deadline”—and I know a lot of people who do this—the deadline means you get it in on the deadline, or the day before the deadline. To me, a deadline means I have it ready a month earlier. Mark: I love that. I've done that a few times and shocked myself. I actually had a pre-order up—with the audiobook, the print, and the e-book—a month in advance, and I didn't know what to do with myself. I was like, “Well, what am I going to do now in the next month?” Jo: Work on the next thing. Mark: But I'm so used to working on it up to the last second that I was kind of like, “What do I do?” That actually caught me by surprise, and I honestly felt weird. I was like, “I've never felt this before.” I'm really lucky. I know you have a very supportive and amazing partner, and so do I. My partner, scarily enough, is maybe a bigger procrastinator than me, so she never gives me a hard time. She supports me, and I do the same thing with her own work. I'm up all night with her at the last minute so we can get something turned in. So, fortunately, we really understand one another, and we don't give each other a hard time. We just go, “Well, got away with it again. I guess I'm not going to change my ways.” Jo: We made it. And again, that's the point. You and I could stand up in front of people, both hold up the last book we wrote, and say, “We made this,” and our processes are completely different. Our brains are completely different. We come from different countries. There are lots of things that are different, and yet we both made a book. So hopefully that encourages people. You don't have to do anything that we're telling you, or anyone else tells you. But if you want to be an author, at some point you have to produce a book. Mark: Exactly. As Brian in the classic Monty Python film gets them to say: “Yes, we are all different.” Embrace that difference. I think that's such a powerful reminder that there is no one process for getting anything done. Jo: Given that we co-wrote The Relaxed Author back in 2021—and we did that because we had another show, and we were talking, and we said, “Oh, everyone's stressed and the anxiety levels are really high, and we think there's a better path”—we co-wrote that book, which I think is still a very good book. Definitely people should get it. Interestingly, I think the stress and anxiety might actually be higher now than it was. So what do you think the main stresses are in the community now? You also see a lot with Draft2Digital, I guess, as well. Mark: Oh, for sure. Honestly, Jo, I'm so glad we wrote that book, because I actually pick it up every once in a while to remind myself of the things we tried to help others with. Again, it's therapy for me as well, so I'm so glad we did it. I think we're 10, if not 100, times more stressed. The world events and things going on, the divisiveness—not just in the world in general, in politics and everything else, but the divisiveness in the author community. The witch-hunting that happens, people trying to tear down other authors either because they're successful, or because, “Oh my God, you dared use a new technology.” All of these things are happening, and everyone's at one another's throats. I need to pick that book up and reread it. I'm a lot more stressed than I was. I'm just getting over shingles, which is… Jo: Oh. Which is actually related to stress as well, isn't it? Mark: It is, yes. I was in LA for Writers of the Future—I'm a judge for that science fiction and fantasy conference. I went right from LA, like a week in LA, which was a phenomenal experience getting to mentor the winners. And I mean, come on, it's a free trip to Hollywood, hanging out with Kevin Anderson, having beers and stuff like that. Then I came back to the Toronto Indie Author Conference, run by Tao Wong, here in Toronto. I went right from the airport—didn't even go home—straight to the hotel, because I kicked into another conference. We did a display on how to set up an in-person booth, so I ended up having to hand-bomb boxes, blocks down the street from where I was parked. My chest was really sore when I got home on the Monday, and I thought it was because I hadn't used these muscles, because I'm not in the best shape. Then I took my shirt off and went, “Oh, there's a rash there.” Liz goes, “You have shingles.” Because the pain in my chest, which I thought was the muscle, was actually underneath. I'm one of those lucky people that it's taken the full five weeks, and I'm still in pain even afterwards. So, again, public notice: if you're an older person like me, and there's a vaccine available for shingles, you may want to consider it. Jo: Yep, get it. Mark: Oh my God, it hurts. But, yes, the stress, I think, is higher—even though I didn't know I was feeling it. It was happy stress, right? I was stressed out because I'm there in Hollywood, helping people and doing some good things, and then I'm doing the same thing, interacting with some amazing authors at the Toronto Indie Author Conference. I didn't feel anxious stress. I was happy stress. Is that a thing? Jo: I think possibly… your physical body masks stress, physical stress, because you enjoy all of that stuff. Whereas someone like me, I'll feel it quicker and withdraw. Although I say that, back probably a decade ago, Jonathan would say to me, “You're going too fast, and you're going to hit the wall. And when you hit the wall, it's not going to be fun.” And I did hit the wall. Then, probably in 2021—I mean, that was when I just started going into menopause, and obviously we had the pandemic, and I wrote Pilgrimage, and I was doing all those walks, which I think really helped me. I learned a lot about maybe stopping that before it happened. Becca Syme obviously talks a lot about this too. But I find it interesting with you, because I think you're so positively happy with these events you do that it might mask your physical symptoms in a different way. That's really hard to watch out for. I'll give a tip to you and everyone else listening: schedule the calendar, and look at your calendar and go, “I can't go back-to-back-to-back. I have to put in some rest days.” Mark: Well, thank you. You know, Jo, you and Becca Syme are two of my best unpaid therapists. I appreciate that. Jo: You just don't listen, Mark. Mark: Or sometimes I do. Jo: Just coming back to the community, and the divisiveness there is primarily over AI at the moment, I think that's one of the biggest things. And the arbitrary lines as to what you're allowed to use it for and what you're not allowed to use it for, which is just kind of crazy. Obviously, you know I've opted out of that whole discussion now. How do you think we can move through this [divisiveness over AI], move on? We remember when it was trad versus indie, and then it was wide versus KU. So this will pass—it's just hard, when you're in it, to know when it might pass. Mark: Yes. I think the more generic advice—for whatever may come, whatever has come—is: why are you doing this? Why are you a writer? Heads down, focus on what gives you pleasure, and do that, because everything else is noise. All the marketing tactics and strategies, and all the people yelling at one another. Write your books. Do the things that motivate you. Do the things that give you that intrinsic reward. It's hard to ignore. I get it, it is hard to ignore. I have difficulty ignoring the haters and the yelling and the screaming that happens, but I do my best. Like this morning, when I was in the throes of my manuscript and I looked up and went, “Oh my God, I've got to shower. I'm going to be talking to Jo soon, I should comb my hair”—which I have none of. Because I was so in my book that everything else melted away. That, for me as a storyteller, as a writer, is one of the most beautiful places to be. Jo: I think you're absolutely right. I have a little thing that pops up in my calendar sometimes which says, “If you're feeling all of these things, just go create something.” The moment you refocus on creation—whatever that means to you—things change. It changes the energy. That, or go for a walk. That's my other tip. Mark: Outside. And I have to say, Jo, Pilgrimage is still one of the most profound and powerful books you've written, and you've written a lot of amazing ones. Jo: Oh, you're very sweet. Mark: That one really resonates, not just for me, but with Liz. Because one of the things we often do when we get stressed is go for a walk, ideally in nature. The vitamin N. I think there's something really profound in that, and it really helps me a lot. And again, sometimes going for a walk listening to your podcast, or an audiobook, or sometimes just attending to the environment. A tip I picked up years ago from Brooklyn author Denis Hamill was: go for a walk with your character. Listen to what they see. What do they comment on? How do they approach this environment that you've seen a million times? How do they see it? What do they notice that you don't notice? That's such an incredible experience of creativity—when you're not writing, but writing. That really helps me a lot. Jo: Oh, nice one. Okay, so your latest book is Stark Realities, but you have so many more. Where can people find you and your books and your podcast online? Mark: Jo, you can find everything you want to know about me—and stuff you don't want to know about me—over at MarkLeslie.ca. It links to all the other places from there. Jo: Brilliant. Thanks again for your time, Mark. That was great. Mark: Thanks so much, Jo. Bye-bye. The post Creative Satisfaction, In Person Print Book Sales, And Author Mindset With Mark Leslie Lefebvre first appeared on The Creative Penn.

Outside Podcast (ft Erin Azar) - https://open.spotify.com/episode/2SK5AmH8lUvTiH4OetTCOb?si=mbgf9wzBQOmGisJ6iz55NwPaddy O Sucks at... - https://youtu.be/qeJgFji7MbQWe kick off this episode by wishing a happy World Rainforest Day before diving into some baffling off-season beach etiquette at the Jersey Shore. From there, we recount a legendary "chaos week" that culminated in four disasters striking at the exact same time: a major panic over migrating ink on a test shirt, a refrigerator hose suddenly bursting and flooding the floor, and a frustrating email officially delaying a book release to next fall.Next, we tackle the current parenting trend of glorifying the "90s summer." The stress continues with a wild story from the bed and breakfast. After a storm knocked out the power while the owner was three hours away at a wedding, Erin had to blindly navigate a pitch-black inn to help confused guests, dealing with dead 1980s flashlights.We are then absolutely thrilled to welcome Patty O'Connell from the Outside Magazine podcast and Outside TV's Patio Sucks At... series for an incredible interview. We dive into his favorite classic sports movies like Airborne and The Mighty Ducks, discuss the gatekeeping in serious outdoor sports, and laugh about scrapped footage, like the time a lack of snow ruined a dog sledding shoot. Paddy also opens up about the FOMO of balancing his freelance adventure career with fatherhood, and he plays a rapid-fire game where he officially confirms that surviving the middle seat in economy and changing diapers are, in fact, sports. Wrapping up the show, we discuss the terrifying nature content taking over our algorithms, specifically the lethal poison hemlock plant and the meat-allergy-causing Lone Star tick spreading across the area. We also examine the bizarre marketing behind a 24-hour underground treadmill ultra-marathon hosted in a decommissioned London tank factory, as well as a runner "bio-modding" his super shoes with ropes and pulleys to try and sprint 40 mph. Finally, our "No Bad, No Sad" segment features a wholesome video of a wild elk playing soccer with a kid in a Colorado backyard.

What might be seen as a ‘boring’ life is often just a life that wouldn’t be as popular on Instagram. In a world that glamorises chaos, spontaneity and constant stimulation, we need to create lives that truly nourish us, provide safety, and align with who we really are. In this episode, we explore the psychology behind why so many of us begin craving calm as we get older, why that can feel oddly threatening, and why slowing down may be one of the best things we can do for our brains. We explore:• Why many of us start craving a more manageable, peaceful life• Why this can create fear, guilt, or cognitive dissonance in our 20s• The pressure from social media to make youth look chaotic and exciting• The role of FOMO in feeling disconnected from our real preferences• Why our brains crave novelty• What a ‘boring’ life is actually made of: boundaries, routine, presence, and self-trust Watch on Netflix: HERE Follow Jemma on Instagram: @jemmasbeg Follow the podcast on Instagram: @thatpsychologypodcast Subscribe on Substack: @thepsychologyofyour20s For business: psychologyofyour20s@gmail.com Our favourite sources: https://www.cambridge.org/core/journals/development-and-psychopathology/article/abs/differential-changes-in-impulsivity-and-sensation-seeking-and-the-escalation-of-substance-use-from-adolescence-to-early-adulthood/3542107D68176F9B55BC0A2DB212C701 https://www.sciencedirect.com/science/article/abs/pii/S0747563213000800 https://www.nature.com/articles/nrn1052 https://www.science.org/doi/10.1126/science.1250830 The Psychology of your 20s is not a substitute for professional mental health help. If you are struggling, distressed or require personalised advice, please reach out to your doctor or a licensed psychologist.See omnystudio.com/listener for privacy information.

Po co to wszystko? Po co pracujemy ponad siły, gonimy za kolejnymi celami, porównujemy się z innymi i nieustannie próbujemy być „wystarczający”? Przyglądam się w tym odcinku kulturze produktywności, presji sukcesu i pytaniu, które wielu z nas zadaje sobie w momentach zmęczenia: jaki jest sens tego wszystkiego?Usłyszysz o pułapkach kultury „wiecznego działania”, FOMO, społecznej gloryfikacji przepracowania oraz o tym, dlaczego nasza wartość nie powinna zależeć wyłącznie od osiągnięć. To odcinek o poczuciu sensu – czym jest, dlaczego ma tak ogromne znaczenie dla zdrowia psychicznego, odporności na stres i jakości życia oraz dlaczego nie da się go znaleźć w gotowej recepturze czy poradniku. Sens nie jest miejscem, do którego docieramy. Jest procesem. Tak, wiem, jak to brzmi, ale… posłuchaj sam_a. To jak myślicie, po co to wszystko?Partnerem odcinka jest @tauron_pe, który sens widzi w zielonej transformacji - z poszanowaniem tradycji, adaptacją do wyzwań współczesności. Sprawdźcie koniecznie nasze wcześniejsze partnerskie odcinki: o adaptacji, solostalgii i lęku przed zmianą. Nie pożałujecie #reklama.Napiwki za ten odcinek przyjmuję w subach, lajkach i na Patronite ;) Montaż: Eugeniusz KarlovLiteratura: Akbari, M., Seydavi, M., Palmieri, S., Mansueto, G., Caselli, G., & Spada, M. M. (2021). Fear of missing out (FoMO) and internet use: A comprehensive systematic review and meta-analysis. Journal of Behavioral Addictions, 10(4), 879-900.Baumeister R. F. (1991). Meanings of Life. New York, NY: Guilford Press.Corbella, G., Pierobon, A., & Maffoni, M. (2025). What is life worth living for? A systematic review on meaning in life and meaning in work as protective factors for healthcare professionals' wellbeing. Health psychology report, 13(2), 111–132. https://doi.org/10.5114/hpr/199541Routledge, C., & FioRito, T. A. (2021). Why Meaning in Life Matters for Societal Flourishing. Frontiers in psychology, 11, 601899. https://doi.org/10.3389/fpsyg.2020.601899Trzebinski J., Cabanski M., Czarnecka J. Z. (2020). Reaction to the COVID-19 pandemic: the influence of meaning in life, life satisfaction, and assumptions on world orderliness and positivity. J. Loss Trauma 25, 544–557. 10.1080/15325024.2020.1765098Yang, Z., Williams, S. D., Beldzik, E., Anakwe, S., Schimmelpfennig, E., & Lewis, L. D. (2025). Attentional failures after sleep deprivation are locked to joint neurovascular, pupil and cerebrospinal fluid flow dynamics. Nature neuroscience, 28(12), 2526–2536. https://doi.org/10.1038/s41593-025-02098-8

Wir haben über 300 Menschen befragt und fast 20 Einzelgespräche geführt. Die Ergebnisse waren eindeutig: Bitcoin selbst ist nicht das Problem. Der Umgang damit schon. In dieser Folge teilen wir die Ergebnisse unserer Umfrage, sprechen über die drei Themen die wirklich beschäftigen und was wir daraus mitnehmen: für euch und für uns. Ihr möchtet als Erstes wissen, sobald unsere Online-Inhalte zur Lösung der Probleme verfügbar sind? Dann tragt euch hier in die Warteliste ein. Jeden Montag 5 interessante Medien rund um Bitcoin & Geld sowie donnerstags die Zusammenfassung unserer aktuellen Episode in euer Postfach? Dann meldet euch zu unserem Newsletter an.

On today's episode of The Therapy Crouch, Abbey and Peter attempt another long-distance podcast recording... and quickly realise just how difficult it is to be apart.After a chaotic start filled with technical disasters, Peter opens up about life at the World Cup, meeting internet superstar IShowSpeed, and why being away from home is proving tougher than expected. Meanwhile, Abbey has fully embraced life in Portugal, from horse riding on the beach to becoming the ultimate football mum.The couple discuss whether they're any good at long distance, Peter's frustrations with communication while he's away, and why they both agree being apart simply doesn't suit them. Plus, listener emails spark conversations about celebrity lookalikes, bizarre relationship situations, modern dating dilemmas and one particularly awkward bedroom problem that leaves Abbey and Peter struggling to keep a straight face.00:00 Long Distance Recording Chaos03:00 Abbey Offers Peter A Makeover06:15 Life In Portugal & World Cup Updates08:50 Peter Opens Up About Missing Home10:15 Meeting IShowSpeed At The World Cup11:50 Abbey's Horse Riding Adventure13:30 Are Abbey & Peter Bad At Long Distance?15:20 Listener Apology To Abbey18:00 Does Anyone Fancy Peter?20:50 Peter Crouch Love Island Lookalike22:00 Icks, Cycling Gear & Matcha Orders27:40 Long Distance Relationship Horror Story33:45 The Awkward Bedroom Dilemma41:20 Abbey & Peter's Advice42:45 Emotional Goodbye From PortugalTo contact us:Email: thetherapycrouch@gmail.comInstagram: / thetherapycrouchpodcast Hosted on Acast. See acast.com/privacy for more information.

The sun comes out, the temperature rises, and suddenly your brain starts telling you that a cold beer would be nice.Sound familiar?For many men rethinking alcohol, sunny weather can feel like a trigger. But is it really the sunshine that's creating the urge to drink, or is something else going on?In this episode, Patrick explores a simple coaching question that has the power to completely change how you think about triggers:"It's sunny... so what?"Together, we'll unpack the beliefs, meanings and associations that often sit beneath the desire to drink when the weather is nice. You'll discover why the sunshine itself isn't the problem, how your brain learns to connect alcohol with certain experiences, and why many of the things we believe about alcohol are actually stories we've stopped questioning.Patrick also explores:Why sunny weather feels like a trigger for so many peopleThe difference between a fact and a learned beliefHow alcohol becomes associated with holidays, barbecues, pub gardens and summer memoriesWhy a thought about drinking doesn't mean you're going to drinkHow fear, panic and FOMO can strengthen old patternsThe importance of creating new evidence and new associationsIf you've ever worried that wanting a drink means you're back at square one, this episode will help you see those thoughts in a completely different light.Because sometimes the most powerful thing you can do is get curious and ask:It's sunny... so what?

Australian property investors have been warned to brace for a market crash, but the numbers tell a very different story. Since the Federal Budget, investors have been bombarded with warnings about higher taxes, reduced incentives, slowing growth and the supposed end of Australia’s property boom. But when you strip away the fear, the politics and the clickbait, does the evidence actually support the doom-and-gloom narrative? In this special Get Invested solo episode, Bushy Martin cuts through the crash talk, Budget tax fog and market noise to show why quality residential property still deserves its place as one of Australia’s most powerful long-term wealth-building engines. Drawing together the key lessons from his recent post-Budget Property PhD Trilogy, Bushy explores why a short-term confidence correction is not the same thing as a long-term market collapse. He unpacks the extraordinary post-COVID growth surge, why a return to more sustainable growth rates was always inevitable, and the powerful fundamentals that continue to support quality residential property over the long term. Bushy also challenges one of the biggest misconceptions in investing: that the asset with the lowest tax rate automatically produces the best financial outcome. Through his practical Net Nest Egg Ladder, he compares owner-occupied housing, ETFs, shares, commercial property, SMSF property, grandfathered residential property, future established residential property and qualifying new builds to reveal what ultimately matters most — the amount of usable wealth and financial freedom you create at the end of the journey. Along the way, you’ll learn why scarcity remains one of property’s greatest strengths, how household formation continues to drive demand, why holding costs matter less than most investors think, and why the next phase of the market may favour calm, prepared and strategic investors rather than FOMO-driven crowds. If you’ve been wondering whether property still deserves a place in your wealth-building plan, this episode will help you separate the headlines from reality and refocus on the fundamentals that have created wealth for generations of Australians. In this episode you’ll discover: • Why the current property “crash” narrative doesn’t match the underlying fundamentals.• What the post-COVID property boom taught us about sustainable long-term growth.• The critical difference between a confidence correction and a market collapse.• Why Australia’s housing shortage remains a powerful long-term driver.• How an additional $150-$200 per week can protect and accelerate wealth creation.• The role of your investment war chest in navigating uncertain markets.• Why the lowest tax rate doesn’t always create the biggest net nest egg.• How residential property compares against ETFs, shares, commercial property and SMSF investing.• Why “property investing isn’t dead — lazy investing is.”• The practical actions investors should be taking right now. FREE PROPERTY INVESTOR’S FIELD GUIDE This episode also serves as a preview of Bushy’s new ebook: How Should I Invest In Property Now? After months of post-Budget analysis, modelling and conversations with investors around Australia, Bushy has distilled the key insights into a practical guide designed to help you cut through the confusion and identify the opportunities that still exist for strategic property investors. Download your free copy here: https://bushymartin.com.au/fieldguide WIN A FREE PROPERTY MENTORING SESSION After reading the ebook, email Bushy at bushy@knowhowproperty.com.au with: • Your biggest takeaway.• The one action you plan to implement immediately. Bushy will select standout responses to receive a complimentary Property Mentoring Session. Because while the rules may have changed, the fundamentals of building wealth through quality property ownership remain very much alive. Take the next step with Bushy Personal Solutions Session Get clarity and personalised guidance: Book now Property W.E.A.L.T.H Program - live now! Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Get property investment and wealth resources, and book a Personal Solution Session with Bushy. All the links and info are here: linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com. This content provides general information only and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.See omnystudio.com/listener for privacy information.

Its Fear Of Missing Out time! every Friday we bring you the stories of the week. Like our first one about the plot to attack the UFC event at the White House with drones and assassins. Major League Baseball is attacking Christian players for writing scripture on their Pride Night caps. The Southern Poverty Law Center scandal gets deeper with a leader taking donor money for her and her Neo-Nazi lover. In Celebrity news, LeBron James goes on the attack and shows that he knows nothing about what Stay-At-Home moms do all day. Finally, we end with an interesting story about Hillary Clinton throwing President autopen under the bus.

Mientras Disney inyectaba millones en espectaculares y en propaganda que el público decidió ignorar, YouTube llenó las salas. El verdadero arte de estos nuevos realizadores radica en su capacidad para crear una experiencia social indispensable

Welcome back to The Snack – a lighter serving of Girls Gotta Eat. This week, we're talking about: Knicks win and New York's generational summer begins Our custom ‘fits for Game 5 Summer House updates – West is out, Lindsay pops off on Threads World Cup visitors are warming our hearts and raving about American food (seriously) Which sport has the hottest athletes The Maternal Instinct documentary on Netflix Headlines: Jelly Roll files for divorce, Sea World San Diego's sexy summer concert series, UFC abomination on the White House lawn, Tyra Banks sues Netflix, Olivia Rodrigo's new album Follow us on Instagram @girlsgottaeatpodcast, Ashley @ashhess, and Rayna @rayna.greenberg. Visit girlsgottaeat.com for more. Thank you to our partners this week: Bloom: Get hot, hydrated and 20% off at https://bloomnu.com with code GGE. FP Movement: Shop their full line of activewear and workout gear at http://fpmovement.com/. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are voice actors now expected to be on call 24/7, travel with gear everywhere they go, and never miss an audition? That's the question audiobook and narration voice actor Amy Tallmadge brought to Marc Scott after hearing some interesting conversations at VO Atlanta - and the answer might give you permission to actually enjoy your next vacation. Marc gives his honest take on whether the industry has genuinely changed its expectations, or whether something else is really driving the always-on mentality that so many voice actors feel. Inside this episode: Whether the 24/7 on-call expectation is a real industry shift or mostly FOMO in disguise Which voiceover genres actually do have higher availability requirements - and why commercial in general is not one of them The grocery store story - how FOMO over missed auditions drove Marc off pay-to-play sites entirely How early delivery built Marc's business fast - and what the old guard had to say about it Whether casting directors really listen to every audition - and what that means for the ones you submit late Marc's practical travel kit setup for when you do want to record on the road Why Amy's return to commercial VO may have fewer barriers than she thinks You get to decide what kind of voice actor career you want to build. This episode is a reminder that the industry isn't taking that choice away from you.

NABPAC's second Hill Day is in the books — and by all accounts, it delivered. In this debrief episode, Micaela Isler is joined by co-host Adam Belmar and two NABPAC board members who were right in the mix: Trey Hawkins of America's Credit Unions and Joe Manion of the American Waterway Operators. Together, they break down what made this year's Hill visit stand out — from the growing familiarity congressional offices have with NABPAC's priority issues like indexing and prior approval, to the power of PAC professionals who can walk into any meeting and tell their story without a script. Plus, a look back at the summer soirée that capped off the week, including the goat cheese bites that caused some serious FOMO.Whether you were in the room or following along from afar, this episode captures what happens when the Business PAC community shows up — and keeps showing up.

Doug wants to be part of the action.

Red Wings trade rumors.

En el episodio de hoy hablamos del Mundial como negocio, la pausa de hidratación convertida en publicidad y el marketing de guerrilla de Levi's contra la FIFA. También analizamos la IA que Estados Unidos ha prohibido, los nuevos modelos que pueden cambiar la programación y cómo esto afecta a empresas como Abast. Cerramos con SpaceX, Elon Musk, Rafa Nadal y el precio real del éxito. Prueba gratis la Cuenta de empresa de Qonto y simplifica las finanzas de tu negocio: https://bit.ly/4lPuNxU ⚡ Descubre como mejorar la eficiencia energética de tu negocio con ENDESA EMPRESAS: https://endesa.com/empresas ✅ Nuevo proyecto de Euge: https://www.clonify.com/ Crea tu Página Web con Hostinger: https://www.hostinger.com/spicy4tuna Cupón de 10% de Descuento para planes de +12 meses: SPICY4TUNA Prueba GRATIS la app de Odoo y gestiona todo tu negocio de una sola plataforma: https://www.odoo.com/r/q13d Inspecciona tu futura vivienda y evita que se convierta en una pesadilla: https://hausum.com/?utm_source=spicy4tuna&utm_medium=youtube&utm_campaign=premier Invierte en inmuebles de forma pasiva y sin dolores de cabeza con Inversiva: https://inversiva.com/invierte-en-inmuebles/?utm_source=referral&utm_medium=web&utm_campaign=spicy4tuna ️ Reserva tu estancia en Villa Spicy de Lombok Souls usando el código SPICY4TUNA para obtener un 10% de descuento: https://lomboksouls.com/spicy4tuna/ Aprende a hablar inglés como un Nativo: https://youtalkonline.com/spicy4tuna ️ El curso digital #1 de Oratoria y Comunicación para Hablar en Público con Confianza: https://go.hotmart.com/L97199651U ⚪️ Consigue tu pulsera Whoop: https://join.whoop.com/Spicy4tuna ⚽ Disfruta de un fútbol más seguro sin perder fuerza en tus remates con Proteckthor B1: https://proteckthor.com/proteckthor-b1?ref=SPICY ‍♂️ Consigue 100€ de descuento en la compra de una SUANA con el código SPICY4TUNA: https://www.rekovital.com/tienda ════════════════ ️ Accede a la Web de Spicy4tuna y Suscríbete a nuestra Newsletter: https://www.spicy4tuna.com Contacto para Sponsors ➡ https://tally.so/r/nrPNE5 Email de Contacto ➡ podcast@spicy4tuna.com ════════════════ Todos los episodios completos: https://www.youtube.com/playlist?list=PL9XxulgDZKuzf6zuPWcuF6anvQOrukMom ════════════════ REDES SOCIALES DE SPICY4TUNA ➜ INSTAGRAM: https://www.instagram.com/spicy4tunapodcast/ ➜ TIKTOK: https://www.tiktok.com/@spicy4tuna ➜ FACEBOOK: https://www.facebook.com/spicy4tuna ════════════════ ️ ESCUCHA SPICY4TUNA EN FORMATO PODCAST Spotify: https://open.spotify.com/show/2QPC17Z9LhTntCA4c3Ijk9?si=39b610a14bb24f1f iTunes: https://podcasts.apple.com/es/podcast/spicy4tuna/id1714279648 iVoox: https://www.ivoox.com/escuchar-audios-spicy4tuna_al_33258956_1.html ════════════════ ¿QUIÉNES SOMOS? · Euge Oller: https://www.instagram.com/euge.oller/ · Willyrex: https://www.instagram.com/willyrex/ · Marc Urgell: https://www.instagram.com/marcurgelldiaz/ · Alvaro845: https://www.instagram.com/alvaro845/ ════════════════ CAPÍTULOS 00:00 Intro del episodio 01:29 Cómo va el clon de Marc 05:10 El Mundial como negocio 14:54 Levi's contra la FIFA 18:55 UFC en la Casa Blanca e Ilia Topuria 31:20 Estados Unidos prohíbe una IA 48:29 IA jurídica, clones y errores peligrosos 1:01:26 Abast, programación y cultura de empresa 1:21:50 Elon Musk, SpaceX y la salida a bolsa 1:45:12 Rafa Nadal y el precio del éxito 1:52:04 La lección empresarial de 50 primeras citas 1:56:28 Cierre del episodio

Thanks to Surfshark for sponsoring the show. Go to https://surfshark.com/stackingb or use code STACKINGB at checkout to get 4 extra months of Surfshark VPN!Isaac Newton was one of the smartest humans who ever lived. He also bought into the South Sea Bubble, sold for a profit, watched it keep climbing, bought back in out of pure FOMO, and rode it all the way down to an 80% loss that haunted him until he died. Ben Carlson, co-host of the Animal Spirits podcast and one of the sharpest minds at Ritholtz Wealth Management, joins Joe and Anna to walk through centuries of market history -- bubbles, crashes, and the psychology that makes smart people do dumb things with money. Anna also helps a Stacker named Louie untangle his 401(k) sources and figure out whether it's finally time to bring in a professional.What You'll Walk Away WithWhy Isaac Newton's South Sea Bubble loss still ranks among history's most instructive investing failures -- and why it had nothing to do with intelligenceBen's framework for why risk means something completely different depending on where you are in your life cycle -- and why a market crash genuinely doesn't matter the same way to a 25-year-old and a 55-year-oldThe wrong lesson an entire generation learned from 2008 -- and why everyone preparing for the last crisis missed the next seventeen years of bull marketWhy Japan's three-decade stock market bubble is the best real-world case for diversification -- and why it doesn't translate as cleanly to the US as people assumeThe behavioral reason complex investment strategies are easy to sell and nearly impossible to hold through a downturn -- while simple strategies survive the painWhy Ben's firm discovered that the hardest financial transition isn't saving for retirement -- it's actually learning to spend the money once you get thereThe Beanie Babies divorce court story that perfectly captures what every bubble looks like from the outsideAnna and OG's take on Louie's four-source 401(k): why it's simpler to manage than it looks, and why "move everything to Roth" is the wrong instinct for most DIY investorsThe Roth conversion icing-on-the-cake strategy: how to use pre-tax and Roth buckets together to manage your tax bracket year by year in retirementWhy one financial pro has a surprisingly negative take on HSAs at death -- and the timing problem that makes spending one down in retirement genuinely trickyWhy This Matters NowEvery market cycle feels unprecedented while you're living through it. Understanding the actual constant -- human psychology, not headlines -- is the difference between riding out volatility and becoming a cautionary tale, smart as you might be.From the BasementBen Carlson joins Joe and Anna to walk through centuries of bubbles, crashes, and the psychological wiring that makes both geniuses and ordinary investors do the same dumb things. Doug arrives with Statue of Liberty trivia tied to America's upcoming 250th anniversary. A Stacker calling himself Louie -- and getting Anna instead of OG, much to his surprise -- asks for help simplifying his 401(k) and figuring out his Roth conversion strategy, and gets a reminder that he's already doing better than he thinks.Resources MentionedRisk and Reward: How to Handle Market Volatility and Build Long-Term Wealth by Ben Carlson -- available wherever books are soldAnimal Spirits podcast -- Ben Carlson and Michael Batnick; available wherever you listen to podcastsRitholtz Wealth Management -- referenced for prior guests Barry Ritholtz, Josh Brown, and Nick MaggiulliWhere Are the Customers' Yachts? by Fred Schwed -- referenced for the famous quote on the emotional experience of losing moneyPaul Merriman's research on asset allocation -- paulmerriman.comStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins voicemail line -- stackingbenjamins.com/yelldownstairsStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Vous avez déjà décliné une invitation et passé la soirée à imaginer ce que vous ratiez ? Ou accepté quelque chose dont vous n'aviez ni l'envie ni l'énergie, juste pour être sûre de ne pas passer à côté ? Ou scrollé jusqu'à tard dans la nuit, à regarder la vie des autres qui a l'air tellement plus géniale que la vôtre ?Ce mécanisme a un nom : le FOMO. Fear Of Missing Out, la peur de passer à côté. Et dans un monde où l'on voit défiler en continu la vie en apparence parfaite des autres, il peut coloniser nos journées, nos choix, notre attention.Dans cet épisode coup de cœur, je vous propose d'explorer ce que le FOMO dit vraiment de vous, et comment passer de la peur de rater quelque chose à la joie d'être pleinement là où vous êtes.Ce que vous allez découvrir :D'où vient le FOMO, et pourquoi notre cerveau y est câblé — mais complètement débordé par l'hyperconnexionPourquoi le FOMO vous fait paradoxalement passer à côté de votre propre vieComment décoder le message caché derrière cette peur, pour identifier ce que vous voulez vraimentCe qu'est le JOMO — la joie de passer à côté — et comment le cultiverComment reprendre le rôle de créatrice de votre vie, plutôt que de spectatrice de celles des autresParce que derrière chaque poussée de FOMO, il y a une invitation à mieux vous connaître, et à construire une vie que vous n'aurez aucune envie de quitter.Vous pouvez aussi :

When mutual friends in the diabetes community kept telling Rob he had a doppelganger in LA, he figured they were exaggerating. Then he met Dylan Leonard — creative director, documentary filmmaker, college basketball player, type one diabetic, philosophy reader, world traveler — and yeah, the comparisons held up pretty well. Dylan was diagnosed at 15, having dropped 45 pounds before anyone realized something was wrong. He went from a hospital bed thinking he'd never eat sugar again to playing college basketball while managing T1D without a CGM, without a pump, and without knowing a single other person with diabetes for his first decade. What carried him through was activity — six hours of workouts a day during basketball season — and a mindset he's been intentionally building ever since through reading, travel, and genuinely hard conversations with himself. This episode goes wide. Rob and Dylan dig into Dylan's upcoming documentary Breaking Limits: Life on the Edge, which follows elite athletes with type one diabetes across seven different sports — from Olympic competitors to IndyCar drivers to American Ninja Warriors. Dylan invested his own money and thousands of hours into this project, not to make a cent, but to hand a 15-year-old sitting in a hospital bed the resource he never had. They also get into the philosophy of travel as the cheapest education on earth, why our brains literally haven't caught up to the abundance of modern life, the difference between manifesting and obsessing, and what a five-hour train conversation with a Norwegian stranger taught Dylan about human connection. Oh, and they're making plans to run a hoop session next time Rob's in LA. Cameras included. Chapters: 00:00 Rob's T1D doppelganger, meet Dylan 01:49 Dylan introduces himself: creative, hooper, T1D 02:39 Dylan's diagnosis story: 45 lbs lost at 15 04:36 First pickup game post-diagnosis, flying blind 06:26 How activity literally saved his diabetes management 07:28 Life after college ball: blood sugars out of whack 09:12 Morning routine: walk, no phone, delayed caffeine 10:34 Civilized to Death and the myth of progress 14:48 Our brains weren't built for this level of abundance 17:21 Phones, phones everywhere — even for T1D management 19:45 Abundance mindset, FOMO, and the creative career trap 21:01 Why athletes list it: delayed gratification is a superpower 24:20 Self-help books, repetition, and finding what actually works2 7:48 Manifestation is obsession with action behind it 29:15 Compounding growth: who were we six years ago? 33:14 Breaking Limits documentary: T1D athletes across seven sports 38:59 Nine months of travel: Vietnam, Norway, Australia, Mexico 40:00 "The cheapest education on earth is a one-way flight" 44:44 Japan and what loneliness taught him about human connection Resources: * Dylan Leonard on Instagram * Civilized to Death by Christopher Ryan — the book Dylan cites on the myth of perpetual progress and why foraging societies may have been happier than ours * The Game of Life and How to Play It by Florence Scovel Shinn — Dylan's twice-a-year read, ~95 pages, written 100 years ago, still hitting * Risley Health / Rising Above T1D — where Dylan has previously appeared on podcast and debuted early cuts of Breaking Limits (link to Riseley Health podcast)

It's been 32 years since the OJ Simpson car chase captivated the nation, and Brian From takes a trip down memory lane while reflecting on how the moment became a cultural touchpoint for an entire generation. Then: a fascinating NPR piece on the more than half of parents who now track their 18-to-25-year-olds on their phones — is it healthy connection or a new kind of surveillance? A candid, personal segment on two sins Brian says don't get talked about enough: envy and bitterness, including his own recent struggle holding onto bitterness after being hurt by people he trusted. The Supreme Court halts the execution of a death row inmate who became a Christian ministry leader during 26 years of incarceration, raising hard questions about transformation, redemption, and the death penalty. A new flip phone blocks social media and browsers at the system level — and people are buying it. A study finds one in three young adults are heavy smartphone users driven by FOMO and low self-control. And Tim Challies offers a simple but convicting filter for everything you consume online: does this content exist to bless you, or does it exist to serve the one who made it?See omnystudio.com/listener for privacy information.

¿Por qué es importante aburrirse? ¿Se puede descansar sin sentirlo como un fracaso? ¿Cómo podemos reivindicar el placer de decir que no a planes? ¿Qué es el JOMO? Tenemos un problema de autoexplotación y miedo patológico a la inactividad y un sistema que nos empuja a la hiperproducción y, por eso, en este último #PETAZETAS, vamos a explorar con Sara Riveiro las maneras y posibilidades de no hacer nada, de disfrutar de ser absolutamente inútiles e improductivas para el sistema capitalista. Hablamos del JOMO (Join if missing out) de la mano de tres especialistas en la materia: el ensayista y filósofo Juan Evaristo Valls Boix; el periodista Enrique Rey, y la actriz y podcaster Albanta San Roman. Más información aquí: https://www.eldiario.es/132_cb14fe Haz posible Carne Cruda: carnecruda.es/hazte_productor/

Everyone is talking about SpaceX. But before the excitement makes the decision for you need to understand that FOMO is not an investment strategy. In today's conversation, Nic and Randy break down what SpaceX actually is, what history tells us about IPO investing, and why the masses are usually wrong. ⸻ ⏱️ Episode Timeline [00:29] – What is SpaceX? The five business segments beyond the rocket ships. [03:08] – Excitement is not a plan: Why emotional investing leads to the wrong move. [07:28] – IPO history lesson: What Facebook, Uber, and Amazon looked like post-IPO. [09:24] – The $10,000 minimum: Why this IPO's accessibility is actually a red flag. [10:10] – Buy the dip: What it really means and why nobody can time it perfectly. [13:49] – Firm risk: Why one person's decisions can take down innocent shareholders. [17:38] – The Buffett rule: Why greed and fear are the enemy of smart investing. [18:22] – Who should actually consider an IPO? The financial profile that makes it viable. [21:22] – The index fund play: Why you may end up owning SpaceX anyway — without the IPO risk. [25:32] – The Cindy story: Why wise counsel always beats FOMO. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ Closing Thoughts If today's episode resonated with you, please like, share, comment, and subscribe to help us reach more people who want smart, steady guidance over shiny distractions. There will always be another opportunity; the question is whether you have the right plan to act on it wisely. Reach out at connect@meritfa.com and stay coachable! _____________ Disclaimer! Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

Matt opens the show discussing the ongoing SpaceX IPO frenzy, admitting a serious case of FOMO as the stock surged from its $135 allocation price to over $200 in just a few days. He breaks down why some Daily Crypto News listeners made quick gains, why he's still skeptical of chasing it here, and whether SpaceX's growing AI ambitions could justify its massive valuation.The episode also covers Bitcoin holding around $66,000 despite renewed optimism, BlackRock's new Bitcoin Income Fund going live, Bybit launching options trading for Tether Gold, and Hyperliquid processing $1.4 billion in SpaceX-related trading volume. Matt also examines today's Federal Reserve meeting under Chair Kevin Warsh, the Netherlands' proposed unrealized gains tax, XRP giving back recent gains, and why it's far too early to declare a new crypto bull market.Happy Hodling, Everyone. Hosted on Acast. See acast.com/privacy for more information.

Everybody on reseller YouTube screams "BUY THIS, IT'S A FLIP!" — but should you actually grab it? In this episode we break down the difference between a good item and a good item for YOU. Just because someone says it sells doesn't mean it'll sell in your market, on your platform, to your buyers.We're covering the real questions to run before anything goes in your cart: comping sold prices (not asking prices), factoring in fees and shipping, sell-through time, storage reality, and whether it even fits your brand. Plus the FOMO sourcing trap that turns "it was only a dollar" into a storage unit you're paying for — and the one time it IS worth buying on faith.If your Money Mountain is full of stuff you bought because a stranger online swore it was gold, this one's for you.

Everyone starts the year fired up about the big goal, the big vision, the big dream... and then life happens. A team member leaves, the market shifts, your funnel breaks, you lose access to a social platform you spent years building, the product you built the whole year around stops selling.  In this week's solo episode of The Kelly Roach Show,Kelly walks through five critical steps to lock in and create the big finish you've been hoping for. She lays out the full system and how to run a weekly gap audit so you can see your progress in black and white and adjust. Threaded through all of it is her core conviction: most businesses don't have a sales problem, they have a consistency problem. They're doing random acts of sales instead of running a system.  The tide is turning, people are buying again, and there's still enough time to end the year with a massive celebration if you lock in now. In this episode: Why the year tends to turn sideways, and how to reset at the mid-year inflection point The question to ask yourself that matters more than your goal The AI-era fork: go all iin on technology or allin on analog, community led growth Why consistent communication is the real driver of team performance Timestamps 00:30 — The back-half reset: five steps for the big finish 02:45 — The mid-year inflection point and the summer focus trap 04:00 — The real question: what do you really want? 05:15 — The AI fork: all-in on tech, or all-in on analog and community-led growth 06:15 — Check your heart: is this goal truly yours, or is it FOMO? 11:00 — Why Kelly still does the Miracle Hour with her team Resources & Mentions Grab The Unstoppable Planner: Kelly's planning tool for reverse-engineering a big goal into milestones and weekly rhythm: https://unstoppableplanner.myshopify.com/products/2026-unstoppable-planner  Grab your copy of the USA Today best-selling book The Miracle Hour, and learn the daily sales practice Kelly runs with her team every day: https://a.co/d/0e8bEbpZ  Subscribe to Kelly's Substack: https://kellyroachofficial.substack.com/subscribe  Follow on Instagram: https://www.instagram.com/kellyroachofficial  Connect on LinkedIn: https://www.linkedin.com/in/kellyroachint/ 

Today, a look at risk sentiment in full swing after a successful SpaceX IPO on Friday and a stronger sense that the Iran war ceasefire may last long enough for shipping lanes to fully open in the Hormuz Strait, at least for a time. But while speculative energy remains high in equities, the broader macro picture is subdued, with little FX and rates volatility even as the new Kevin Warsh Fed marks the biggest shift at the Fed in a generation. This and much more, including the BoJ up tonight, on today's pod, which is hosted by Saxo Global Head of Macro Strategy John J. Hardy Links John's The FX Trader piece from today, discussing the technical situation in EURUSD and previewing the seven G-10 central bank meetings this week. A 20-minute CNBC interview with SpaceX President and COO Gwynne Shotwell, where she talks a good game and even delivers the outlook for orbiting data centers with a straight face.  FT discusses the many forced buyers of SpaceX as the company has been fast tracked to join many major stock indices, the members of which enjoy passive inflows. The Wall Street Journal with the basic, but important discussion of how Kevin Warsh is set to alter the Fed's communication strategy (an important first step, but as emphasized on the podcast - there are much bigger questions afoot down the line.) About twice per week (in normal times, hopefully soon to resume), you will find links discussed on the podcast and a chart-of-the-day over at the John J. Hardy substack. Read daily in-depth market updates from the Saxo Market Call and the Saxo Strategy Team here. Please reach out to us at marketcall@saxobank.com for feedback and questions. Click here to open an account with Saxo. Intro music by AShamaluevMusic DISCLAIMER This content is marketing material. Trading financial instruments carries risks. Always ensure that you understand these risks before trading. This material does not contain investment advice or an encouragement to invest in a particular manner. Historic performance is not a guarantee of future results. The instrument(s) referenced in this content may be issued by a partner, from whom Saxo Bank A/S receives promotional fees, payment or retrocessions. While Saxo may receive compensation from these partnerships, all content is created with the aim of providing clients with valuable information and options.    

The Break Room (MONDAY 6/15/26) 6am Hour 1) This weekend had to be one of the biggest sports weekends we've experienced in quite some time 2) You have to know how to ride it if you're going to borrow it 3) Recovering from a bad hotel reputation

The most expensive financial advisor many people will ever have doesn't send an invoice. It doesn't show up on a fee disclosure. It never introduces itself. But it has shaped more financial decisions, and quietly eroded more wealth, than almost any market downturn, bad product, or conflicted advisor ever could. That advisor is fear.  Fear is the most expensive financial advisor you'll ever have because it rarely looks like panic in the moment. It often feels like wisdom, caution, urgency, or responsible planning. And it tends to show up in two forms. There's the fear of losing what you have, driving over-protection, paralysis, and a growing pile of products you can barely explain.  And there's the fear of missing out, driving premature decisions, underestimated risk, and the nagging sense that you need to move before the window closes.  Neither version is obviously destructive from the inside. Both feel like good judgment at the time. https://youtu.be/OY4kzrZGsYU This article isn't an argument against caution, protection, or careful planning. It's an argument for knowing the difference between a decision made from purpose and one made from panic. Because that difference, compounded over years, is enormous. Key takeaways:Fear Is Subjective, and That's Why It's So Hard to AddressHow Financial Fear Gets ManufacturedThe Two Faces of Financial FearWhat Fear-Based Decisions Actually CostThe Opportunity Cost of Displaced CapitalThe Coordination Cost of FragmentationThe Advisory Cost of Fear ManagementThe Confidence Cost Nobody Talks AboutSigns Your Financial Life Is Running on FearThe Antidote Is Clarity of Purpose, Not FearlessnessSafety, Liquidity, and GrowthThe LIFE FrameworkThe Wealth Creator's Cash Flow SystemProtection Is Not Fear, When It's Done RightStart With Clarity, Not FearBook a Strategy CallFrequently Asked QuestionsWhat is fear-based financial decision-making?How does financial fear affect long-term wealth?What is the difference between fear-based planning and prudent planning?What does "clarity of purpose" mean in financial planning?How do I know if my financial advisor is managing through fear?What is the LIFE framework for financial planning? Key takeaways: Fear operates as a financial advisor that most people never identify or fire It appears at both ends of the risk spectrum: loss aversion and fear of missing out Much of the financial marketing ecosystem is designed to manufacture and amplify fear The hidden costs of fear-driven decisions don't appear on any statement Clarity of purpose, not fearlessness, is what replaces reactive decision-making Frameworks like safety/liquidity/growth and the LIFE model transform fear into strategy Fear Is Subjective, and That's Why It's So Hard to Address Financial fear is not a character flaw. I want to be clear about that from the start. It's a real emotional experience, and throwing a spreadsheet at someone who is genuinely afraid does not help them.  That approach respects the numbers, not the person. Behavioral finance research has spent decades documenting this: logic alone doesn't move people out of fear. Education does, but only when the emotion is acknowledged first. Fear is also deeply subjective, which makes it especially difficult to work with. Ask two people how much risk they want to take, use a word like "moderate," and you'll get two completely different answers. And that's before anything has actually happened.  Real risk tolerance isn't revealed on a questionnaire. It's revealed when the market moves, when the headline is bad, when the number on the screen is lower than it was last month. There's a question worth sitting with: if your portfolio could go up $50,000, but you had it positioned too conservatively to capture it, versus if your portfolio simply dropped $50,000, which one would keep you up at night? Neither answer is wrong. But your answer tells you something real about which form of fear has more influence over how you make decisions. Loss aversion and the fear of missing out are both fear. They just feel different from the inside. The goal here isn't to eliminate that fear. That's not possible, and it wouldn't be useful even if it were. The goal is to help you recognize when fear is driving your financial decisions rather than informing them. That recognition, small as it might seem, is where things start to change. How Financial Fear Gets Manufactured Some of the fear you carry is yours. You developed it through experience: a job loss, a market crash, a parent who ran out of money before they ran out of life. That fear is real, and it deserves to be understood on its own terms. But some of the fear in your financial life was handed to you. And it's worth knowing the difference. Much of the financial media and marketing ecosystem runs on fear. Headlines about market crashes, dollar collapse, sequence-of-returns risk, and outliving your retirement savings: these are real concerns, but they're frequently presented in ways designed to provoke a reactive emotional response rather than a considered decision.  Fear sells because it works. Money psychology is clear on this: emotions drive financial action more reliably than information. A financial professional who leads with a terrifying scenario creates urgency. A product that promises to solve that scenario feels essential. Before acting on a financial fear, ask yourself whether it was yours before the conversation. Did you have this concern before you saw the headline, heard the pitch, or sat through the seminar? Or did someone hand it to you? None of this means every financial professional who raises difficult scenarios is acting in bad faith. Many of those scenarios are genuinely worth planning for. But there's a meaningful difference between naming a risk so it can be addressed deliberately and naming a risk to generate anxiety that only one specific product can relieve. The result of a financial life assembled from responses to manufactured fear tends to look the same: a collection of individual products that each solved a specific scary problem, with no one asking whether those products coordinate, complement each other, or serve a single unified strategy.  A friend of mine once described the advice her sister gave every customer at the furniture store where she worked: start with a vision, know what you want the room to feel like, and choose everything together.  Because buying one piece at a time and hoping it comes together almost never produces something coherent. You can furnish a room that way. You just can't furnish a room that works. A financial life built on fear works the same way. The Two Faces of Financial Fear Most people think of financial fear as loss aversion, the fear of markets dropping, money disappearing, and security evaporating. And that version is real. It drives people toward over-protection, toward keeping too much in cash, toward accumulating overlapping insurance products because each one addressed a specific nightmare scenario that someone painted vividly enough. But there's an equally destructive form of fear sitting on the other end of the spectrum - the fear of missing out (FOMO). This is the fear that drives people to retire before their plan can genuinely support it, not because the numbers work, but because they're afraid of missing the active, healthy years of their life.  It's the fear that pushes people toward high-return investments they don't fully understand because everyone else seems to be participating. It's why some people avoid protection strategies entirely: buying life insurance or long-term care coverage feels like an admission of vulnerability they're not ready to make. Imagine it as a bell curve, with loss aversion on one end and FOMO on the other. Neither extreme produces good decisions. The healthy middle is what I'd call abundance thinking: recognizing that money is a replenishable resource, created through relationships, knowledge, and purposeful action. It doesn't ignore risk. It addresses risk from a position of intention rather than anxiety. What Fear-Based Decisions Actually Cost The real expense of fear-driven financial decisions is that almost none of it shows up anywhere you'd look for it. There's no line item. No statement entry. No advisor who sends you an invoice for the cost of reactive decision-making. The costs are real, they compound, and they're almost entirely invisible. The Opportunity Cost of Displaced Capital Every dollar invested in a product purchased out of fear is a dollar that can't be deployed into a more coordinated strategy. If that product carries surrender charges, penalty periods, or reduced liquidity, the cost compounds further. What that capital could have produced in a more purposeful position never appears on any statement. It simply doesn't exist. The Coordination Cost of Fragmentation Fear-driven purchasing happens one product at a time, in response to one scary scenario at a time. The result is strategies that contradict each other: a product purchased to address a tax concern working against an investment approach, a protection strategy drawing capital away from the foundational work that would amplify everything else.  Nobody is watching the whole picture. Nobody has an incentive to. Financial fragmentation is expensive, not because any individual product is wrong, but because nothing is coordinated. The Advisory Cost of Fear Management An advisor who manages primarily through fear has a structural incentive to keep that fear alive. This isn't necessarily malicious, but it's worth recognizing. Fees aren't inherently bad. What matters is whether the fee is buying clarity and coordination, or just temporary relief from anxiety. The Confidence Cost Nobody Talks About This is the most invisible cost of all....

Top 5 Topics:- Life-Changing Jaw Surgery Transformations- Brutal Reality of Surgical Residency & 365-Day Trauma Call- Work-Life Balance as Both a Surgeon & Father- Personalized Patient Care & Involving Patients in Surgery Planning- The Future of Private Practice Oral SurgeryQuotes & Wisdom:“We barely need to even talk during the cases now. We know exactly what to get next. We talk about stuff other than surgery while we do surgery.” — Dr. Marcus Hwang“I even challenge my own preferences now. ‘Why do I do it this way?' ‘Is there a better way for this kind of situation?'” — Marcus“I really do include my patients into my workups. I try to show them the virtual surgical plan before they even start orthodontics.” — Marcus“Draw a line in the sand. Spend good, dedicated, focused time with them, and then don't feel guilty after that when you have to go to work.” — Marcus“The earlier and sooner you find clarity in what you want, life becomes so much easier. Because you don't feel bad saying no to stuff and you don't have FOMO.” — Marcus“I believe jaw surgery in private practice is going to be the next trend. Whatever I can do to make this more approachable and palatable for people is my passion.” — MarcusQuestions:Brendan: "Wait, you said every day you're on facial trauma? What level trauma center are you at?"08:46Brendan: "Do you learn a lot of these techniques through your mentor or is it kind of trial and error?"12:33Brendan: "Do you include the patient in some of those conversations for orthognathic surgery planning?"34:23Brendan: "Do you prefer the top jaw maxilla first or mandible first? “What's your sequence of giving the local anesthesia? “What's your sequence of taking out the thirds?"Now available on:- Dr. Gallagher's Podcast & YouTube Channel- Dose of Dental Podcast #236My watch in this episode = Tag Heuer Aquaracer Calibre 16 Chrono- 5.2026

Directo Gratuito (martes 16 de junio - 19:00h): Construye la cartera de inversión que pueda llevarte de verdad hacia la vida que deseas.En este podcast te cuento mi camino real hacia la libertad financiera, sin filtros y sin adornos.No venía de una familia con grandes conocimientos financieros ni con un gran patrimonio de partida.Lo que sí tenía era una mentalidad de esfuerzo y disciplina, y en algún momento de mi vida empecé a hacerme las preguntas correctas sobre el dinero.También te cuento los errores que cometí al principio: el FOMO, las decisiones que no estaban alineadas con mi perfil inversor y algún tropiezo que me costó caro.Pero si hay algo que aprendí de todo eso, es que cuando te equivocas, el coste tiene que ser asumible. Y cuando aciertas, el beneficio tiene que ser grande. Esa asimetría, repetida en el tiempo, es lo que construye patrimonio real.En este podcast te explico también dos conceptos que han acelerado mi camino de forma significativa: el apalancamiento bien entendido y los accidentes positivos de riqueza.Son herramientas y fenómenos que la mayoría de las personas no conoce, o no sabe cómo integrar en una estrategia global. Y que pueden marcar una diferencia enorme en los resultados a largo plazo.

You might not look rich on Instagram. That doesn't mean you're behind. Joe, Paula Pant, Jesse Cramer, and Anthony Weaver from About That Wallet work through eight real signs that your financial life is on track -- covering stability, behavior, and mindset -- and spend just as much time on why we're all so bad at recognizing the wins we've already had.What You'll Walk Away WithWhy a $1,000 emergency fund puts you in the top 40% of Americans -- and what Jesse's registered nurse versus Uzbek architecture professor framework tells you about how big yours actually needs to beThe debt-to-income ratio question nobody asks: would you rather have a 10% DTI and zero savings, or $1 million invested and a 45% DTI? Paula and Anthony work out their actual answers liveWhy someone making $250,000 and living paycheck to paycheck is less financially trustworthy than someone making $60,000 with a two-month buffer -- and what that reveals about the real gameAnthony's dream walk framework: the questions he asks clients to make sure their day-to-day financial habits are actually pointed toward what they say they wantWhy the trend matters more than the number -- and the one thing Jesse tracks monthly that most people miss when they're focused only on net worthThe peace of mind problem Paula names that most personal finance conversations skip entirely: there is very little correlation between the numbers in your accounts and your actual anxiety levelWhy Jesse thinks prioritizing stress reduction over optimization might actually produce better long-term outcomes than squeezing every percentage pointThe Instagram tell that almost none of the visible wealth you're comparing yourself to is real -- and the Tai Lopez rental strategy that proves itAnthony's story about the client who needed permission to sell investments to feed her kids -- and why money as a tool looks completely different at every income levelWhy money is the easiest possible scorecard -- and how that ease is exactly what makes it so dangerous as a proxy for self-worthWhy This Matters NowThe comparison pressure has never been higher and the metrics have never been more visible. This episode is a reminder that the signs of real financial health are mostly invisible on the internet -- and that you might already be further along than you think.From the BasementJoe, Paula Pant, Jesse Cramer, and Anthony Weaver from About That Wallet work through eight signs of financial progress from a wisdom.com piece while talking about drone footage FOMO, Tai Lopez's rental Lamborghinis, and why somebody in Florida held a half-eaten grilled cheese sandwich for ten years before selling it on eBay. Resources MentionedAbout That Wallet podcast -- Anthony Weaver; available wherever you listen to podcastsAfford Anything podcast -- Paula Pant; recent episode with Dr. John La Puma on why going outside improves health and productivityPersonal Finance for Long-Term Investors (FILTI) -- Jesse Cramer; recent AMA episode on retirement planning questionsFreedom app -- referenced by Paula for blocking Instagram; freedom.toSurfshark VPN -- surfshark.com/stackingbee; code stackingbee for four extra monthsStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementStacking Benjamins BAD Groups -- stackingbenjamins.com/badSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Yo, yo, yo…Mr. & Mrs. Weedman are back with another laid-back, smoke-filled edition of The Weedman 420 Chronicles Podcast! This week on Episode 313, the duo breaks down the biggest stories in cannabis news, marijuana legalization, weed science, medical marijuana, hemp policy, and cannabis culture while continuing their mission to "Stomp the Stigma" and "Free the Plant."

Brie returns from Tuscany. Nikki has a new puppy. Nobody is okay. The twins are catching up on everything they missed while living very different versions of summer. They're getting into Italian summer fantasies, emotional kindergarten graduations, parenting whiplash, home decor goals, algorithm obsessions, and a completely unnecessary debate about... wieners. Oh, how we missed our Breezy! Press play for the catch-up you've been waiting for. Call Nikki & Brie at 833-GARCIA2 and leave a voicemail! Follow Nikki & Brie on Instagram, follow the show on Instagram and TikTok and send Nikki & Brie a message on Threads! Follow Bonita Bonita on Instagram Book a reservation at the Bonita Bonita Speakeasy To watch exclusive videos of this week's episode, follow The Nikki & Brie Show on YouTube, Facebook, and TikTok! You can also catch The Nikki & Brie Show on SiriusXM Stars 109! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

¿Has dormido ocho horas y aun así te has despertado cansado? A muchos nos ha pasado. No hablamos de una enfermedad ni de una mala noche, sino de una sensación de agotamiento que parece formar parte de la vida moderna.En este episodio reflexiono sobre el llamado “síndrome del tupper”, una rutina que nos empuja a estar siempre ocupados, siempre produciendo y siempre intentando llegar a todo. Hablamos de la presión por tener éxito, cuidar nuestra salud, mantener una vida social activa y seguir aprendiendo constantemente. También exploramos cómo las redes sociales, la hiperconectividad y la carga mental alimentan ese cansancio que no desaparece con una simple siesta.Y, sobre todo, hablamos de posibles soluciones: estar más presentes, aprender a descansar, poner límites y aceptar que no podemos hacerlo todo. ¿Te resulta familiar esta sensación o crees que has encontrado una forma diferente de vivir?00:00 El cansancio que no desaparece – Intermediate Spanish02:40 El síndrome del tupper – Spanish Listening Practice03:48 La vida en la rueda de hámster – Learn Spanish Naturally06:38 La presión de llegar a todo – Comprehensible Input in Spanish08:52 Una historia personal sobre los límites – Real Spanish Conversation11:08 Tecnología, FOMO y cansancio mental – Conversational Spanish13:47 Productividad, éxito y meritocracia – Spanish for Intermediate Learners15:20 La carga mental que no se ve – Spanish Culture Podcast16:40 Ideas para recuperar energía – Immersive Spanish20:18 El verdadero lujo es el tiempo – Authentic Spanish ListeningFree eBooks: Habla español con AI & La guía del estudiante de españolMis cursos online:Español Camaleón - A REALISTIC pronunciation courseEspañol Ágil - Intermediate SpanishEspañol PRO - Advanced SpanishEspañol Claro - Upper-beginner SpanishSi no sabes cuál es mejor para ti, haz el TEST.Intermediate Spanish Podcast with Free Transcript & Vocabulary Flashcards www.spanishlanguagecoach.com - Aprende español escuchando contenido natural adaptado para estudiantes de español de nivel intermedio.Si es la primera vez que escuchas este podcast, puedes usarlo como un podcast diario para aprender español - Learn Spanish Daily Podcast with Spanish Language CoachSocial media:YouTubeInstagram...

Princess registration has turned into its own endurance event, and we felt every mile of it. We break down what we saw during the Princess Half Marathon Weekend queue, why more runners are walking away disappointed, and what might be behind the slower movement now that old workarounds are gone. We also talk through the bigger forces at play like field size limits, staging constraints, rising demand, and the way social media can amplify FOMO and frustration.Then we pivot back to what actually moves the needle: training with humility and consistency. We share practical summer running reminders on hydration and slowing down in heat, plus a smart pacing tool for sticky weather: the Galloway magic half mile. If you've ever panicked after getting new training paces, this conversation is for you, especially if you're trying to build longer run intervals without blowing up.Runner's World Senior Health and Fitness Editor Donna Raskin joins us to talk longevity, evidence-based fitness advice, and why runDisney stands apart from typical racing culture. She connects movement to independence, community to health, and reminds us that “old” and “overuse” aren't diagnoses. We wrap with a race report spotlight that hits straight in the heart: Amy returns to racing on the Yellow Brick Road after chemotherapy and celebrates being cancer free.Subscribe for more runDisney news, training talk, and community stories, then share this with a friend and leave a review so more runners can find us.Rise and Run LinksRise and Run Podcast Facebook PageRise and Run Podcast InstagramRise and Run Podcast Website and ShopRise and Run PatreonRunningwithalysha Alysha's Run Coaching (Mention Rise And Run and get $10 off)Johns Fundraising Link For The Special Forces Foundation Send us Fan MailSupport the showRise and Run Podcast is supported by our audience. When you make a purchase through one of our affiliate links, we may earn a commission. As an Amazon Associate we earn from qualifying purchases.Sponsor LinksMagic Bound Travel    Stoked Metabolic CoachingAffiliate LinksThe Start Line Co.Fluffy FizziesMona Moon Naturals Rise and Run Amazon Affiliate Web Page Kawaiian Pizza ApparelGoGuarded  

As a pediatrician and mom, I know firsthand how easy it is to get overwhelmed by standard parenting tips and the pressure to have a perfect family life . In a culture obsessed with quick fixes and curated social media fairy tales, so many couples feel like they are constantly falling short . On this channel, my goal is to share the beautiful, unglamorous reality of making relationships work . We cannot just hope for a happy marriage and connection to happen by chance…we have to be intentional about creating it. That is why I love bringing authentic guests onto the podcast to share real, unfiltered relationship advice. In this episode, I'm sitting down with Olympic gymnast Shawn Johnson East and former NFL player Andrew East to talk about their brand new book, The Courage to Commit. Shawn and Andrew remind us that we don't have to succumb to public judgment or relationship anxiety . Real growth happens in our everyday routines, like setting core family values, prioritizing weekly date nights, and learning how to celebrate failure . By breaking down the illusion of perfection and working through messy parenting moments, we can move past the comparison trap and build a resilient, peaceful home. Why treating commitment as an intentional choice is the key to lasting peace in marriage. How choosing fewer things and narrowing your focus can completely eliminate FOMO and relationship anxiety . Easy, practical ways to establish family values and protect intentional habits like weekly date nights . Why elite athletes, pediatricians, and parents must embrace failure as a necessary stepping stone to success. Breaking down the distinct voices in their new book, The Courage to Commit, and the inclusion of data-driven research. How a legendary gymnastics coach used reverse psychology to teach self-reflection and grit. How to find joy in the mundane, unglamorous preparation phases of parenting and family life. To connect with Shawn Johnson East and Andrew East follow them on Instagram @shawnjohnson and @andrewdeast and buy their new book, “The Courage to Committ”: https://thecouragetocommit.com/#pre-order  00:00:00 – Commitment vs. The Highlight-Reel Culture 00:01:22 – Introducing Shawn Johnson East & Andrew East 00:03:49 – Behind the Scenes of a Three-Year Book Journey 00:05:49 – Balancing Two Different Voices in Marriage & Writing 00:07:14 – Overcoming the Flaws of Modern Swipe Culture 00:11:11 – Why Society Hacks Relationships but Grinds in Sports 00:15:51 – The Ulysses Analogy: Drowning Out Distractions 00:18:42 – Defining Core Family Values & Setting Boundaries 00:23:07 – Choosing Depth Over Endless Variety 00:30:52 – Why the Cost of Maintenance is Cheaper Than Starting Over 00:37:11 – Knowing When to Persevere vs. When to Quit 00:50:11 – Finding Beauty in the Mundane, Unglamorous Moments 00:54:16 – Where to Buy The Courage to Commit & Final Review Call Our podcasts are also now on YouTube. If you prefer a video podcast with closed captioning, check us out there and⁠ ⁠subscribe to PedsDocTalk⁠⁠. Get trusted pediatric advice, relatable parenting insights, and evidence-based tips delivered straight to your inbox—join thousands of parents who rely on the PDT newsletter to stay informed, supported, and confident.⁠ ⁠⁠⁠⁠Join the newsletter⁠⁠⁠⁠⁠! And don't forget to follow⁠ ⁠⁠⁠⁠@pedsdoctalkpodcast⁠⁠⁠⁠⁠ on Instagram—our new space just for parents looking for real talk and real support. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on the ⁠PedsDocTalk Podcast Sponsorships⁠ page of the website. Learn more about your ad choices. Visit podcastchoices.com/adchoices