Podcasts about forgive

"Someone owes you something, is indebted to you, and you let go of that debt. It's like it's written on an IOU, and you're tearing it up and throwing it to the wind." ~ Kenna MilleaWhat does real forgiveness actually require, and why isn't "forgive and forget" a Christian idea at all?Why does it bother you so much more when your spouse or your kid does the exact thing you secretly do too?Is it even possible to forgive someone who never asks for it, or who's no longer in your life to ask?In episode 106 of This Whole Life, Pat and Kenna Millea break down forgiveness, starting with a surprising fact: nowhere in the Gospels does anyone ever ask Jesus for forgiveness point-blank, and yet he forgives constantly. That single detail unlocks the idea at the center of this episode, unilateral forgiveness, the practice of forgiving before someone asks, apologizes, or even realizes they hurt you.They start with a simple, clarifying definition of forgiveness as canceling a debt, not forgetting it ever happened, then work through what scripture and C.S. Lewis have to say about why forgiveness might be the most disobeyed commandment in Christianity. Kenna introduces a concept from her spiritual director called empathetic repentance, the idea that what actually costs you your peace isn't what the other person did, it's the seed of that same thing already in you.They close with a real answer to one of the hardest versions of this question: how do you forgive someone who's died, or someone you're no longer in contact with, when you'll never get to tell them?This episode is for anyone still waiting on an apology that may never come, or anyone who's realized that holding out for one is quietly costing them their own peace.Chapters:(00:00) - Cold Open(00:43) - Welcome and What's Harder to Forgive: A Game(13:09) - Highs and Hards: A Notre Dame Anniversary Trip(18:19) - Defining Forgiveness: The IOU You Tear Up(23:36) - What Scripture and C.S. Lewis Say About Forgiveness(40:41) - Empathetic Repentance: Why Their Sin Bothers You So Much(49:38) - Unilateral Forgiveness: What Jesus Actually Modeled(57:22) - Challenge by Choice and Closing PrayerLinks Mentioned:Kellen Erskine | Bad Grocery Store Advice | Dry Bar Comedy - https://www.youtube.com/watch?v=QfAe6Z3eAF4Support the showThank you for listening, and a very special thank you to our community of supporters!Join our email list and never miss an episode or an eventVisit us online at thiswholelifepodcast.com, and send us an email with your thoughts, questions, or ideas.Follow us on Instagram & FacebookInterested in more faith-filled mental health resources? Check out the Martin Center for IntegrationMusic: "You're Not Alone" by Marie Miller. Used with permission.

Hey, it's Amy Newmark with your Chicken Soup for the Soul and I'm pleased to share new stories with you from Chicken Soup for the Soul: Let It Go, which is our latest best-selling self-help book. I didn't really understand the power of forgiveness to change my life until I started doing this editor-in-chief job at Chicken Soup for the Soul 18 years ago. I always thought that the word “forgiveness” meant that you were excusing the person who hurt you, saying that it was okay. But it turns out that “forgiveness” doesn't mean that. What it actually means is that you have decided not to keep reliving all the negative feelings associated with whatever bad thing happened to you. You may even come to understand WHY it happened and what drove the other person to act that way, which enables you to NOT take it personally. Because it was never really about you. It was about themselves. Learn more about your ad choices. Visit podcastchoices.com/adchoices

EP276: You Can Forgive Yourself for Not Knowing Then What You Know NowIn this episode, we explore the profound act of self-forgiveness — not as a way to erase the past, but as a way to free yourself from the weight of self-judgment. We often hold ourselves to impossible standards, punishing our younger selves for decisions made with limited awareness, limited tools, and limited perspective. This episode is a gentle invitation to release that punishment and embrace compassion for the person you were becoming.THEME: Self-forgiveness, growth, letting go of past mistakes, self-compassionAFFIRMATIONS:• I forgive myself for not knowing then what I know now• My past mistakes are not my permanent identity• I release the need to punish myself for being young or uncertain• I am allowed to grow without apologizing for who I used to be• I choose compassion over condemnation, especially toward myselfTIMESTAMPS:00:00 — Opening: The version of you that deserves compassion02:30 — Settling In: Carrying past mistakes like evidence05:00 — The Theme Part 1: Why self-forgiveness is not erasure08:00 — The Theme Part 2: The freedom of stopping the rehearsal10:30 — Breathwork: Releasing the weight of "I should have known"12:00 — Affirmations: Words to settle into your history13:00 — Closing: Be gentle with yourself#SelfCompassion #SelfForgiveness #LettingGo #PersonalGrowth #InnerPeace #YouAreEnough #YourQuietMoment #Podcast #MentalHealth #EmotionalHealingDISCLAIMER

Brothers and sisters, I do not consider myself yet to have taken hold of it. But one thing I do: Forgetting what is behind and straining toward what is ahead, I press on toward the goal to win the prize for which God has called me heavenward in Christ Jesus. Philippians 3:13-14Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/See omnystudio.com/listener for privacy information.

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Sometimes the hardest person to forgive is ourselves. Today's Morning Light Meditation invites you to work with the transformative power of the Cosmic Diamond Violet Flame—a sacred combination of Archangel Gabriel's Diamond Light and Archangel Zadkiel's Violet Flame. Together, they lovingly dissolve old patterns, cut away self-judgment with the clarity of a diamond, and reveal the truth of who you are. If you've been carrying guilt, regret, shame, or the habit of losing yourself in relationships, let this meditation become a gentle act of self-compassion. The Violet Flame doesn't condemn the past—it transforms it into wisdom and freedom. You'll also be invited to sing Jennifer's uplifting Cosmic Diamond Violet Flame Chant, because when we sing, our hearts open, our vibration rises, and our prayers become even more powerful. Listen to the entire song here. https://jenniferruthrussell.bandcamp.com/track/cosmic-diamond-violet-flame May today's meditation help you forgive yourself, reclaim your light, and remember that you were never meant to carry yesterday into tomorrow. Inspired by Diana Cooper's The Archangel Guide to Ascension: 55 Steps to the Light.

Welcome to the Courageous Leadership with Virginia Prodan podcast! Episode : Forgive To Be Free - Virginia Prodan Today we're talking about a topic that sounds beautiful in theory and painfully complicated in real life: forgiveness.  Forgiveness in this context isn't pretending there's no danger. It's refusing to let the danger define your soul. In the context of the New Testament and the teachings of Jesus Christ, forgiveness is defined as the total cancellation of a moral or spiritual debt, resulting in the complete release of the offender.  Rather than a passive feeling, Christ defines forgiveness as an intentional, unconditional act of the will driven by grace and mercy. Forgiveness is about what you do with your heart; justice is about what you do with reality.  Join us for weekly episodes that aim to inspire and empower you to: Deepen your Christian faith and live with bold courage; Advocate for freedom and uphold values in an increasingly challenging culture; Gain powerful insights from history; Uncover your God-given purpose and calling; Lead with conviction in your home, church, and society.        I'm Virginia Prodan  —international human rights attorney, keynote speaker, author of Saving My Assassin, and a survivor of socialist Romania. I understand the true cost of freedom, the strength of faith, and the courage required to advocate for truth amidst adversity. Whether you're looking for encouragement, solutions to cultural challenges, or actionable steps to boldly live out your faith, this podcast will equip you to stand firm.           Stay Connected with Virginia Prodan

FORGIVE & FORGET: My Friend Refuses To Pay Me Back For Her Dog's Vet Bill! full 822 Fri, 31 Jul 2026 13:41:34 +0000 vAQXAFDDuIxCMhdRWPTiydKVHEVkxvRf advice,friends,argument,forgive and forget,forgive & forget,who is wrong,solve this argument,music,society & culture,news Kramer & Jess On Demand Podcast advice,friends,argument,forgive and forget,forgive & forget,who is wrong,solve this argument,music,society & culture,news FORGIVE & FORGET: My Friend Refuses To Pay Me Back For Her Dog's Vet Bill! Highlights from the Kramer & Jess Show. 2024 © 2021 Audacy, Inc. Music Society & Culture News https://player.amper

In Episode 221, Justin Ebert is joined by Morgan Weece and Jim Johnson to discuss Luke 17–20 and Psalms 46–65. Together, they explore biblical forgiveness, prayer, gratitude, money, the coming of God's kingdom, seeking the overlooked, and the resurrection. They also reflect on confession, repentance, judgment, and what it means to live with a heart genuinely surrendered to God.

27-yr-old Connecticut woman Googled "Does God Forgive Murderers?" before allegedly murding someone, Aldi is being called out for selling a toilet stand as 'inappropriate' and 'irresponsible' for having a place to set your phone, Vietnamese doctors perform nations first successful penis transplant See omnystudio.com/listener for privacy information.

To Shift from High-Functioning Survival Masks to the Freedom of Being Yourself the SMART Way. Download Your FREE 10-Minute SMART MICRO-HABIT Check (PDF): https://payhip.com/b/r3sNWFor The Sovereign Shift: Move beyond "quick fixes" into a day-to-day commitment. Get the 1-Day Practice & Guide here: https://payhip.com/b/Qw23EStop relying on a survival loop and shift into a growth mindset. Your guide to ventral pivoting and nervous system sovereignty is one click away.Check out The Accessible Guide to Your Sovereign Blueprint: Nervous System Sovereignty & Conscious Self-Leadership - https://payhip.com/b/NJXhONot ready for the guide, check out the FREE Executive Summary here: https://payhip.com/b/VtK7kGet Your Sovereign Blueprint: Claim your intellectual and emotional sovereignty with this comprehensive, self-directed guide. https://payhip.com/b/jOSFYNot ready for the guide, check out the FREE Executive Summary here: https://payhip.com/b/RBz2XThe Regulated Leader - Expand Your Inner Growth Journey: Master emotional resilience and steady your nervous system fluency with the complete digital guide. https://payhip.com/b/rOUPzDownload the Free 10-Minute Mindset Practice: Shift your state and anchor your body into clarity and ventral safety under pressure. https://payhip.com/b/7PdoGYou are not your activated state: When emotions feel true self-leaders move from reactivity to steadiness. Check out the new daily steady living bundle (1 day mindset practice + 15 journal prompts)

We're leaning into one of life's hardest battles: the struggle to forgive. Why is it so hard? What keeps us stuck? And how can God's grace help us move forward? Join us as we get honest about the pain, the process, and the hope that forgiveness brings. I hope you will join me!

Is Amanda suddenly likable?! Is Kyle’s sex so good you only need it three times a year? Let’s compare Salley & Amanda’s notes…Whose sass are we loving on In The City? Who needs to tone it down a notch? Plus, do we think Amanda and West will actually end up together in the end?! Does a baby seem inevitable? See omnystudio.com/listener for privacy information.

Will the Lord Forgive the Christian who has sinned again? What do you think? Will He forgive this repeated, habitual sin? Let's look at the Word of God in context!

2026-03-15 - Morning Sermon - Jamie McCormack

“Therefore, as God's chosen people, holy and dearly loved, clothe yourselves with compassion, kindness, humility, gentleness and patience. Bear with each other and forgive one another if any of you has a grievance against someone. Forgive as the Lord forgave you. And over all these virtues put on love, which binds them all together in perfect unity.” —Colossians 3:12-14Friends, every meaningful journey invites us to pause before moving forward.Over the past twelve episodes of the Become Good Soil Foundations Series, we have explored the foundations upon which we hope to build our lives—our common faith, life in God's Kingdom, apprenticeship to Jesus, whole-person formation, koinonia, a rule of life, and the values that continue to shape our becoming. These have never been ideas to master, but realities to inhabit.In this final episode, we bring the series in for a landing.Together, we reflect on the posture that allows these foundations to become a way of life: humility. Not humility as self-diminishment, but as a grounded way of being before God, ourselves, and one another. It is strength harnessed and vulnerability unfurled—the willingness to remain teachable as Christ continues to form us.Our hope is that this conversation serves less as a conclusion than as a new beginning. As you listen, we invite you to pause, give thanks for the ground God has established beneath your feet, and receive His invitation into the next faithful step of your apprenticeship.It's all been prologue. The best is yet to come.For the Kingdom,Morgan & Cherie

Full show - Monday | Dude house | News or Nope - Savannah Guthrie, the Idaho Four, Ryan Gosling, and cruises | Should concerts start earlier? | OPP - Should I forgive my husband for saying this? | Slacker did something for the first time...and hated it | Stupid stories | Erin's great bird adventure | Some people don't like music? | Did T. Hack say the wrong thing? www.instagram.com/theslackershow www.instagram.com/askslacker www.instagram.com/ericasheaaa www.instagram.com/thackiswack www.instagram.com/radioerin

What mistake from your past still makes you question whether you deserve a better future?Maybe it was a failure, a bad decision, a relationship you damaged, or a season of life you wish you could erase. The moment may be over, but the regret is still influencing how you see yourself and what you believe is possible.In this episode of Grit, Grace, & Inspiration, Kevin Lowe reveals how to forgive yourself for past mistakes, release the weight of shame, and stop allowing yesterday to control tomorrow.How Past Regret Keeps You StuckMost people are not held back by what happened in their past.They are held back by what they decided it means about them.You may have made a mistake, but that does not mean you are a mistake. You may have failed, but that does not make you a failure.Your past is evidence of what happened. It is not a verdict declaring who you must remain.Three Lies That Make It Hard to Forgive YourselfThis episode confronts three beliefs that keep people trapped in shame and regret:Because I did something bad, I must be bad.If people knew the truth about me, they would not love or accept me.It is too late for me to change my life.These thoughts may feel true, but they are not facts. They are stories you have repeated long enough to believe.Your Past Is Preparation, Not a PrisonYour experiences have shaped you, but they do not have to imprison you.Even the painful and embarrassing chapters of your life can give you wisdom, compassion, and the ability to help someone else. Some of the most powerful futures are built by people who learned how to turn a messy past into something meaningful.You cannot change what happened, but you can decide what happens next.A Simple Exercise to Release Past MistakesKevin challenges you to write down the one sentence from your past that has been controlling your life.Read it aloud and recognize what it truly is:One sentence.It is not your whole story. It is not even an entire chapter.When you are ready, tear it up and throw it away as a declaration that it no longer has authority over your future.What You Will Learn in This EpisodeYou will discover:How to forgive yourself without ignoring responsibilityWhy shame causes you to hide and play smallHow regret becomes attached to your identityWhy it is never too late to begin againA practical exercise for letting go of the pastStop Letting Your Past Control Your FutureYou still hold the pen.Your past may always be part of your story, but it does not get to write the ending. It is time to release the anchor, turn the page, and move toward the future you still deserve.Hey, it's Kevin!I hope you enjoyed today's episode! If there is ever anything I can do for you, please don't hesitate to reach out. Below, you will find ALL the places and ALL the ways to connect!I would LOVE to hear from you! Send me a Voice MessageWant to be a guest on GRIT, GRACE, & INSPIRATION? Send Kevin Lowe a message on PodMatch!Book Kevin to Speak at Your Next Event: CLICK to Learn More + Get In TouchHire Kevin to Create Your Own Custom Soundtrack!Or for 1 Place for Everything, CLICK to visit the website!Stay Awesome! Live Inspired!© 2026 Grit, Grace, & Inspiration

In this episode, we continue our book study on Friendship in the Lord and reflect on how loving appreciation and reconciliation are the places where friendship matures. We talk about why healthy adult friendships draw us closer to the Lord, how the unique gifts of women and men reveal different facets of God's love, and how learning to behold another's beauty without trying to grasp or possess it calls forth our true identity. We also discuss the importance of recognizing how we've hurt others, expressing sincere sorrow, and allowing others to do the same. As we bring our wounds, suffering, and sin into the love of Christ, we discover that the very places we fear most can become the biggest places of resurrection.   Other Resources Mentioned: Restore the Glory Podcast on Confession (Parts 1-3) S18 Forgiveness Meditation (with questions from the book Forgiving as Unity with Christ)  S11 Forgiveness Meditation with Sister Miriam   Announcement: You can buy your copy of Friendship in the Lord from Ave Maria Press (or Amazon).   Journal Questions: Am I maturing as a friend? What does the Holy Spirit want to teach me through my friendships? Am I currently experiencing conflict or frustration in a relationship? What is the pain or trigger I feel beneath the conflict? Can I receive the gift of beauty without trying to grasp or possess it? How have I failed to uphold the dignity of my friends? Am I experiencing the fullness of who I am? What parts of myself am I hiding from my relationships?   Discussion Questions: When have you experienced your own uniqueness in a friendship? Did you experience your uniqueness as a gift to give or as an insecurity to hide? How is the Lord inviting you to more freely receive your friends rather than possessing them? How have you participated in belittling or sarcasm in your relationships? How have you participated in or been on the receiving end of judgment within friendships? Where does the Lord want to love you into a place of freedom?   Quote to Ponder: "The intimacy of adult friendship in the Spirit can teach us to aspire to the fullest possible intimacy with the Lord himself. The tenderness of one friend toward another is the image of God's own tenderness, when the friends truly love each other in the Spirit." (Friendship in the Lord, Page 62) Scripture for Lectio: "Therefore as God's chosen people, holy and dearly beloved, clothe yourselves with compassion, kindness, humility, gentleness, and patience. Bear with each other and forgive one another if any of you has a grievance against someone. Forgive as the Lord forgave you. And over all these virtues, put on love, which binds them all together in perfect unity." (Colossians 3:12-14)   Timestamps: 00:00 Intro 01:10 Scripture Verse and Quote to Ponder 02:03 Am I Maturing as A Friend? 07:57 Our Different Gifts Reveal Facets of God 11:45 Appreciating Beauty Without Grasping 14:28 Upholding the Dignity of Another 16:03 Receiving Ourselves as A Gift 18:37 Judgement Makes Us Blind 20:30 Exposing Our Weaknesses to the Light 22:00 Remaining Faithful to Our Friends 25:50 Reconciling with God and Others

Important Links: Dad Tired Annual RetreatHost A Dad Tired Conference at your churchJoin the FREE Family Leadership ProgramShop the Dad Tired store for best-selling gearWhat if sleep isn't wasted time, weakness, or something to squeeze in after everything else is done? What if it is actually one of God's most practical invitations to trust Him?In this episode, Jerrad sits down with Brett McCracken, senior editor and director of communications at The Gospel Coalition and author of The Wisdom of Sleep: How Rest Reveals God's Truth and Revives Weary Souls.Together, they explore why God designed us to spend nearly a third of our lives asleep, how sleep reminds us that we are the creation—not the Creator—and why closing our eyes each night can become an act of surrender.A Prayer Before SleepFather,As I close my eyes tonight, I remember that I am not God.I have limits.You have none.I need rest.You neither slumber nor sleep.There are things I did not finish, problems I could not solve, and people I cannot protect on my own. I release them all into Your hands.Forgive me for believing that everything depends on me.Thank You for the gift of sleep; a grace I receive, not something I earn. As I lie down, remind me that Christ has finished the work I could never finish.Protect my home.Watch over my family.Quiet my mind.Restore my body and soul.As sleep resembles death, remind me that I have died with Christ. And if You wake me in the morning, let the rising sun remind me that I have also been raised with Him into new life.Tonight, I surrender control.You are awake, so I can sleep. You are sovereign, so I can rest. You are faithful, so I do not have to be afraid.Into Your hands I place this night.Amen.

During a drunken argument, Cassandra's husband said something that she thinks might be unforgivable. Can their marriage survive? Are drunken words actually sober thoughts? What should she do?

A Challenge to Forgive (Part 3) by Vinny Carbone

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  Can one positive habit change your life? Bestselling author John Gordon (The Energy Bus, The Power of Positive Leadership) returns to Nothing But The Truth to prove it can — starting with the daily gratitude walk that turned him from anxious and pessimistic into the author of 33 books, 19 bestsellers, and over 6 million copies sold. In this second part episode, hosts Bob Bianchi and Dave Bruno dive into the mindset habits Gordon teaches elite performers — from Sean McVay to Dabo Swinney to the Miami Heat — and how they apply to lawyers, leaders, and anyone navigating high-pressure work. You will learn how to handle "energy vampires" on your team with Gordon's three-step rule — "you address it, you transform it. If you can't transform it, you must remove it" — how to lead younger generations with love and accountability, and why he tells everyone to forgive fast: "Don't let old battles keep you from new victories." The conversation closes with the principle behind his book The One Truth: oneness versus separateness, and why connection is the foundation of peace and performance. Gordon also shares habits from his newest book, The Power of Positive Habits — including success journals, talking to yourself instead of listening to yourself, and daily gratitude — 93 habits designed to exponentially grow you and your team. If you found this conversation helpful, please like this video and subscribe to the channel for more episodes on mindset, positivity, and the truth about the legal profession.

This episode breaks down why a nineteen year age gap reads as predatory in one pairing and as personal freedom in another, tracing the psychology of life stage rather than raw numbers. It walks through the research on perceived exploitation, the half your age plus seven rule as an actual social metric rather than a joke, and what demographic data says about who judges age gap couples the hardest. It closes with a look at the quieter risk buried inside the more socially acceptable pairings, the one nobody warns you about until years six through ten.

Forgiven People Forgive People

Forgiven People Forgive People

Audio Recording Satisfying Speech Rev. Scott Strickman Download Sermon OutlineSpeaker: Rev. Scott StrickmanSermon Series: ProverbsProverbs 18:20-21 (ESV)20 From the fruit of a man's mouth his stomach is satisfied; he is satisfied by the yield of his lips.21 Death and life are in the power of the tongue, and those who love it will eat its fruits.Sermon OutlineThe wise understand that a person's satisfaction is linked with what they say.1. Your words have power.v21 Death and life are in the power of the tongue2. Your words reveal what you love.v21 and those who love it will eat its fruits. v21 Death and life are in the power of the tongue3. Your words bear fruit.v21 and those who love it will eat its fruits. v20 he is satisfied by the yield of his lipsPrayer of ConfessionMerciful God: We are slow to listen, and hasty to say what we ought not. Forgive us for every foolish and harmful thing we have said and done. Forgive us for when we have failed to steward our power to speak words that encourage, build up, form, clarify, or express thanksgiving. We confess we are more inclined to slander and complaint than praise and thanksgiving. Our words expose corruption deep within us, so along with a plea for forgiveness, we ask for help. Open our ears to hear your message of grace, and plant your word deep in us. Nourish us with Christ, the Word who became flesh, who tasted death so that we could have life. May we bear the fruits of life in the Spirit. Amen.Questions for ReflectionDo you enjoy speaking words of thanks, encouragement and praise? What is your experience of this kind of communication?What do you find hard about speaking positively?Why is it tempting to complain, slander, lie, insult, etc.? Why do you speak in such ways?How can wisdom help you change? What is important to understand about your words that can make it more compelling to speak what is good and resist problematic speech? What insights can help shift your patterns? What is God showing you?How do your words reveal what is going on within you? When you look at the things you want to say, what conclusions do you draw? Why is it crucial that we hear good news? What makes the message of the grace of God so essential?How is the gospel message a seed in the life of the person who receives it by faith? How does that new reality grow and form the believer? What prayer habits will help you be more consistent with thanks and praise? How can your words become a greater source of satisfaction to your own soul? What can you do to taste more of the grace of God through what you choose to say?Reflect on Psalm 50, and consider how it helps you gain understanding of our speech in relation to God.

Audio Recording Satisfying Speech Rev. Scott Strickman Download Sermon OutlineSpeaker: Rev. Scott StrickmanSermon Series: ProverbsProverbs 18:20-21 (ESV)20 From the fruit of a man's mouth his stomach is satisfied; he is satisfied by the yield of his lips.21 Death and life are in the power of the tongue, and those who love it will eat its fruits.Sermon OutlineThe wise understand that a person's satisfaction is linked with what they say.1. Your words have power.v21 Death and life are in the power of the tongue2. Your words reveal what you love.v21 and those who love it will eat its fruits. v21 Death and life are in the power of the tongue3. Your words bear fruit.v21 and those who love it will eat its fruits. v20 he is satisfied by the yield of his lipsPrayer of ConfessionMerciful God: We are slow to listen, and hasty to say what we ought not. Forgive us for every foolish and harmful thing we have said and done. Forgive us for when we have failed to steward our power to speak words that encourage, build up, form, clarify, or express thanksgiving. We confess we are more inclined to slander and complaint than praise and thanksgiving. Our words expose corruption deep within us, so along with a plea for forgiveness, we ask for help. Open our ears to hear your message of grace, and plant your word deep in us. Nourish us with Christ, the Word who became flesh, who tasted death so that we could have life. May we bear the fruits of life in the Spirit. Amen.Questions for ReflectionDo you enjoy speaking words of thanks, encouragement and praise? What is your experience of this kind of communication?What do you find hard about speaking positively?Why is it tempting to complain, slander, lie, insult, etc.? Why do you speak in such ways?How can wisdom help you change? What is important to understand about your words that can make it more compelling to speak what is good and resist problematic speech? What insights can help shift your patterns? What is God showing you?How do your words reveal what is going on within you? When you look at the things you want to say, what conclusions do you draw? Why is it crucial that we hear good news? What makes the message of the grace of God so essential?How is the gospel message a seed in the life of the person who receives it by faith? How does that new reality grow and form the believer? What prayer habits will help you be more consistent with thanks and praise? How can your words become a greater source of satisfaction to your own soul? What can you do to taste more of the grace of God through what you choose to say?Reflect on Psalm 50, and consider how it helps you gain understanding of our speech in relation to God.

Elder Michael Villalobos preaches from Colossians 4:7-18.

THE COURAGE TO FORGIVE

Are You Able To Forgive? Char Takes Your Calls! Join internationally renowned psychic medium **Char Margolis** as she explores how to recognize, trust, and strengthen your intuition. In this insightful episode, Char shares practical wisdom on connecting with your inner guidance and living a more intuitive life. **LIVE CALL-IN READINGS**

Most Christians don't know how to talk about Jesus. They know they ought to share their faith, but evangelism methods feel awkward and pushy. Feeling guilty and discouraged, many believers simply avoid the subject altogether. But what if there was a simple, normal way to introduce people to Jesus, without sounding like you're selling something? David McIver shares from his book "Looking for the One: Stories of Seeing the Lost, Lonely, and Broken Through the Eyes of Jesus."  David's poem: Jesus, you died upon a cross And rose again to save the lost Forgive me now of all my sin Come be my Savior, Lord, and friend Change my life and make it new And help me, Lord, to live for you. Check out Susie's podcast God Impressions on Apple, Spotify, or wherever you listen to podcasts! Faith Radio podcasts are made possible by your support. Give now: click here

When Jesus taught us to pray, “Forgive us our debts, as we also have forgiven our debtors,” He was not teaching that we earn forgiveness by forgiving others. In today's episode of the MY Devotional Podcast, Dr. Michael Youssef reminds believers that salvation is by grace through faith—not by works—because Christ paid our eternal debt once and for all at the cross. Forgiving others is not a payment toward our forgiveness. It is evidence of spiritual life. Once we have received God's forgiveness in Jesus Christ and the Holy Spirit dwells in our hearts, we are called to become people who extend grace to others. Dr. Youssef explains that forgiveness has two sides: transforming your attitude toward the person who hurt you and transforming your relationship with that person when possible. Both require courage, because resentment often gives us a scapegoat and a weapon to hold in reserve. But real forgiveness does not keep people locked in the prison of their past mistakes. It releases the grudge, refuses to weaponize the offense, and makes room for a genuine fresh start. In Christ, forgiveness becomes not bondage, but freedom. Pray with me.  Father God, help me transform my attitude toward those who have offended me and give me the courage to transform my relationship with them as well. I pray in the name of Jesus. Amen. The voice you hear on the MY Devotional podcast is digitally generated with Dr. Youssef's permission. If today's devotional stirred a question, burden, or need for prayer, you don't have to walk through it alone.

She secretly saved Ring camera footage of him calling her names in private, then played it during couples therapy. Does she owe him an apology or did he have it coming?

When life hurts us, should we forgive, forget, set aboundary, or simply move on? In today's episode, Michelle explores how every choice we make plants a seed that shapes our future. Through stories, thoughtful reflection, and powerful coaching questions, she invites you to pause before reacting, restore yourself before making important decisions, and choose the thoughts and actions that lead to greater peace, freedom, and love. Your future is quietly growing from the seeds you plant today.Questions or comments? I'd love to hear from you. Michelle@GrowBy1.comReady to strengthen your coaching, communication, andrelationship building skills? Join us at the Grow By 1 Coaching Retreat in Grand Rapids, Michigan. Whether you are a coach, leader, educator, or simply someone who wants to become more influential in your personal and professionalrelationships, this retreat is designed to help you grow with greater clarity, confidence, and purpose. We'd love to have you join us. Learn more at GrowBy1.com/CoachingRetreat.

Matt Kilgroe — President & CEO, Cyndeo Wealth Partners Matt Kilgroe shares how Cyndeo Wealth Partners grew from a newly launched $1.2B RIA to a $3.5B enterprise, and why the next challenge isn't independence, but building a firm capable of reaching $25B.  In Summary Five years after launching Cyndeo Wealth Partners from UBS, Matt Kilgroe returns to the podcast to discuss what happens after independence. Rather than focusing on the transition itself, Louis and Matt explore the next phase of growth: scaling an advisory business, attracting talent, developing niche expertise, taking on outside capital, and building an enterprise designed to last. Along the way, Matt shares how Cyndeo expanded from $1.2B to $3.5B, why serving professional athletes required a different business model, and what led the firm to partner with Rise Growth Partners as it looks toward a $25B future.  The Storyline For many advisors, independence is viewed as the finish line. For Matt Kilgroe, it became the starting point. When Cyndeo Wealth Partners launched in 2020, the goal wasn't simply to leave the wirehouse behind. It was to build a business with the flexibility to grow in ways that simply weren't possible before. Five years later, that vision has evolved into something much larger. Cyndeo has nearly tripled in size, expanded its niche serving professional athletes and entertainers, recruited advisors, added specialized operational talent, and recently welcomed Rise Growth Partners as a minority investor to help accelerate its next phase of growth. The conversation explores what changes when firm leaders stop thinking like advisors managing successful practices and begin thinking like CEOs building enduring enterprises. The discussion spans succession planning, capital strategy, recruiting, organizational design, and the mindset required to scale from billions to tens of billions—all while remaining focused on clients and culture.  Topics Covered Building an enterprise beyond independence Scaling from $1.2B to $3.5B in assets Organic growth versus recruiting Serving professional athletes and entertainers Why fiduciary independence matters for niche client segments Building operational infrastructure for growth Partnering with Dynasty Financial Partners Minority capital and Rise Growth Partners Succession planning and employee ownership Thinking from $3.5B to $25B > Download a transcript of this episode… Listen and Learn Highlights for Advisors What did Matt learn after transitioning nearly 98% of his clients? (06:20) Why client relationships—not firm logos—proved to be the firm's greatest asset during one of the most challenging transitions imaginable. How did Cyndeo nearly triple in size in five years? (16:10) Matt discusses the combination of niche specialization, disciplined organic growth, recruiting, and operational investment that fueled the firm's expansion. Why has Cyndeo become a destination for professional athletes? (17:15) The conversation explores how deep industry expertise, fiduciary flexibility, and specialized service created a business that would have been difficult to build inside a wirehouse. Why bring on a minority capital partner when the business was already thriving? (24:15) Matt explains why succession planning, future recruiting, and long-term enterprise growth made outside capital the right decision. How should advisors think about ownership versus compensation? (35:40) A candid discussion about enterprise value, equity, and why many advisors underestimate the long-term economics of ownership. What does it actually take to scale toward $25B? (42:20) From hiring executive talent to expanding geographically, Matt shares how he's thinking about the next chapter of Cyndeo's evolution. Key Takeaways Independence creates opportunities that extend well beyond higher payouts, including enterprise value, recruiting flexibility, and ownership. Scaling a business requires investing in operational leadership, not just adding advisors. Specialized client niches demand expertise that goes well beyond investment management. Outside capital can accelerate growth when it's aligned with long-term strategy rather than an exit. Building an enduring enterprise requires thinking differently about succession, talent, governance, and equity. https://youtu.be/WRYJd9Lkt7o Quotable Moments “Don't rent your practice. Own it.” “You can't work in those niches and not be a fiduciary.” “We're not done.” “The road from $3B to $25B is going to really compound on your equity.”  FAQs Why did Cyndeo decide to take on a minority capital partner? To support its next phase of growth, strengthen succession planning, recruit additional talent, and benefit from the experience of leaders who have successfully scaled wealth management businesses before. How did Cyndeo grow from $1.2B to $3.5B? Through a combination of consistent organic growth, specialized client niches, advisor recruiting, and investments in operational infrastructure. Why is serving professional athletes or other niche client segments different from serving traditional wealth clients? Niche client segments often face unique financial decisions involving private investments, business opportunities, and career transitions that require specialized knowledge and a fiduciary framework. What advantages did independence create that weren't available inside a wirehouse? Matt points to greater flexibility around private investments, the ability to build specialized client experiences, reward employees with equity, and create an enterprise with lasting value. How should advisors think about building versus joining an independent firm? The discussion highlights the tradeoffs between creating your own firm and joining an established independent enterprise, emphasizing that ownership and long-term equity often matter more than headline payouts. What does Matt believe is required to build a $25B firm? A willingness to invest beyond advisors alone, adding executive leadership, expanding geographically, recruiting strategically, and maintaining a long-term enterprise mindset. To support its next phase of growth, strengthen succession planning, recruit additional talent, and benefit from the experience of leaders who have successfully scaled wealth management businesses before. Through a combination of consistent organic growth, specialized client niches, advisor recruiting, and investments in operational infrastructure. Niche client segments often face unique financial decisions involving private investments, business opportunities, and career transitions that require specialized knowledge and a fiduciary framework. Matt points to greater flexibility around private investments, the ability to build specialized client experiences, reward employees with equity, and create an enterprise with lasting value. The discussion highlights the tradeoffs between creating your own firm and joining an established independent enterprise, emphasizing that ownership and long-term equity often matter more than headline payouts. A willingness to invest beyond advisors alone, adding executive leadership, expanding geographically, recruiting strategically, and maintaining a long-term enterprise mindset. Related Resources Article: Your Practice Isn't Worth What You ThinkMost advisors misjudge their business's value, not because of the number, but because of the framework. Learn what really drives enterprise value. Rise and Reinvent: Joe Duran on Building and Rebuilding World-Class FirmsHe's built and rebuilt some of the industry's most successful firms and now he's helping others do the same. In this episode, Joe Duran, the founder of Rise Growth Partners, shares lessons from building, selling, and starting again, and how staying curious and adaptable fuels lasting success. Matt KilgroePresident/CEO Prior to launching Cyndeo Wealth Partners in 2020, Matt ran advisory teams at Merrill Lynch and UBS Financial for 29 years. Providing guidance, counsel, and strategy for families the firm serves is Matt's passion. In addition to his role as an advisor, Matt works in a leadership capacity for Cyndeo while also helping with business development. Matt has been recognized by Barron's as a Top 1000 or Top 1200 Advisor consistently since 2009. In 2020 Forbes named him to their “Best-In-State Wealth Advisor” list. A graduate of Eckerd College, Matt has served on the Board of Trustees at his alma mater since 2012. His three children are his pride and joy. Daughter Carrington owns Sunstate Yoga studio in St. Petersburg, son Kent is a financial advisor with Cyndeo, and daughter Jillian recently graduated Florida State University. An athlete in college, Matt continues to enjoy staying in shape, playing basketball, and bike riding. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… True Alignment: Advising Business Owners on Wealth, Significance, and Value A conversation with Jason Diamond, Nick Hubert and Taylor Gentry – Founding Partners at Panoramic Capital Partners. Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is True Alignment: Advising Business Owners on Wealth, Significance, and Value. It’s a conversation with Nick Hubert and Taylor Gentry, Founding Partners, Panoramic Capital Partners. I’m Jason Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education-driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Jason Diamond: Advisory firms that work with business owner clients typically operate through a fairly traditional wealth management lens. The business may be the source of the wealth, but the advice itself often centers around investments, planning, and asset allocation, yet Panoramic Capital Partners approaches that equation differently. Nick Hubert and Taylor Gentry are the founding partners of the roughly $450 million RIA, serving about 150 families with a seven-person team. And while they come from very different professional backgrounds, Nick with more of a relationship and storytelling orientation, Taylor from the analytical and private equity side, they’ve built the firm around a shared philosophy tied to what they call personal significance, personal wealth, and personal value. A big part of that philosophy, or the north star as they put it, is applying some of the same accountability and long-term thinking frameworks commonly seen in private equity to the advisory relationship itself, not in a transactional sense, but in helping clients think more intentionally about decision-making, alignment, and outcomes over long periods of time. As a result, our conversation delves deeply into the private equity world, reframing how clients and advisors should consider this important tool as both a growth mechanism and a strategic part of their client’s plans. We talk about how that perspective also shapes not only how they think about serving business owners specifically, but also the role private equity should play in wealth management. Then we take a view of their long runway and how they and other younger advisors might see things differently about building firms today and why clarity of vision may matter more than sheer scale in the years ahead, and much, much more. It’s a narrative that is refreshing and informative, so let’s get to it. Taylor, Nick, thank you so much for joining. Walk us through your background. What brought you to the world of wealth management? Nick, let’s start with you. Nick Hubert: Sure. I think I got my first taste of the industry actually in a sophomore year of college internship, or I interned at Morgan Stanley here in Oregon. I studied finance and accounting at University of Oregon, and so I had this affinity for finance and markets and had that privilege of having that internship. So I had it early on in my career. Ultimately ended up setting my sights on doing investment banking and going that route and did that for a short period of time. Ended up not going very long due to a medical reason, so you don’t have to be that sorry for me. And ultimately started my career in business consulting before pretty quickly realizing that I want to get back to finance, back to investing these things that just felt like core competencies and that thing that you keep coming back to when you’re alone in the middle of the night thinking about stuff, it was always that. Just had this desire to work with smaller units than large corporations, which is great for wealth where you get to work with families and small businesses. And so it was just a natural alignment that took me back full-time to the space in 2016. Jason Diamond: I like the framing it through the size of the unit you’re working with and having more of an impact on the family. Taylor, what about you? Taylor Gentry: I’m a little more circuitous, if you will. Spent a couple of years in investment banking, so you can be sorry for me. Nick and I met in undergrad at the University of Oregon, had the opportunity to work in this investment group together where we were investing a portion of the university’s endowment. And like Nick, interned in wealth management and kind of walked away from it going, “Boy, that’s boring. I don’t really like that.” And so moved to New York, cut my teeth in banking for a couple years and we were working… So an investment bank for context, helping companies raise debt, raise equity, and with mergers and acquisitions, we’re working with huge companies. So the Mattels of the world, the largest toy company in the world. Like Nick, realized, “Hey, I’m going to work with smaller companies that we can get our arms around a little bit better and be more helpful with and have a bigger impact on.” So spent about 10 years with a private equity firm in the western half of the US and we invested in companies in what’s referred to as the lower middle market. So companies doing 50 to 300 million of revenue. And we would invest in those companies, grow those businesses and then look to sell them. Awesome experience, learned a ton, got a bunch of experience around how to invest in companies, how to grow businesses. Then had the opportunity to step into the CFO seat of a couple of different operating companies during that time. It was just a great learning ground, but also to see a whole bunch of different situations. Nick and I have always invested in things together. We’ve worked on things together and we’ve always wanted to work together full time. And a few years ago, the stars really just aligned to say, “Hey, what would it look like to create a differentiated offering in the wealth space where we can blend my background on companies, transactions, how to draw on scale and all those pieces and really marry that with the wealth management piece?” And Nick will get into that further, but it’s just a really unique way to partner with families and companies that are smaller which can have a really high impact experience with those families and really move them through their life journey, if you will. Jason Diamond: Yeah, there’s a lot to unpack there and we’ll get to some of the elements of how you run the business today. First of all, you can’t fool me by using a toy company as your example to make investment banking more interesting. I’m just kidding. Actually, my real takeaway there is you have a skillset that is incredibly relevant in the current wealth management ecosystem, especially in the model you’re currently in. So let’s talk about that a little. Tell us about your current chapter, which is Panoramic Capital Partners. Who do you serve? What types of clients? Give me some perspective on size as well. Nick Hubert: I'm going to take this first. Taylor can do the PE background side and give you a bunch of numbers. I’ll give you the story and see if we can piece it together that way. Jason Diamond: I get the impression you guys use that line a lot. Nick Hubert: Oh, no, that’s the first time. How’d it land? Jason, I spent eight years at our prior firm with our third founding partner, Andrew, and he was at that firm for 30 years. And so we’ve got this core DNA that we’ve always carried of serving high net worth families in a very holistic and deep planning-based capacity, which I think a lot of modern firms say that. And so that’s not necessarily that different, but it is a DNA that carries through. When we got struck with this vision of launching Panoramic and what inspired us to build the firm, it was as, Taylor outlined, around this idea of how do we partner with entrepreneurs and business owners more holistically across their entire entrepreneurial journey, not just around the exit as is so often where the gravity of the conversation sits. And so our firm vision and inspiration was all around that. And since launching in May of 2024, it has been about how do we bring that vision to life with a different business model. And to your point, there’s a bunch to unpack there, but that is ultimately the founding vision of what we are trying to build here overall and what inspires us every day to say, how do we, as Taylor mentioned, bring the combination of skillsets to bear in a way that allows us to be a better partner along the entirety of the journey as opposed to just towards the end when assets traditionally show up, so to speak? So that’s a story from a vision perspective. Taylor, I don’t know what you want to add to that. Taylor Gentry: As Nick outlined, it’s the ability to work with folks throughout the lifecycle. So in private equity, you invest in a company, you work with that management team for three to seven years and then you sell the business and move on to the next project or deal. And really, it’s the deal mechanic that is the value creation. Whereas, with what we are building here, we have the opportunity to really step along the journey with folks when they are in the early phases building what we talk about as the middle phase of allocating, and we’ll talk about this further, and then really the third phase of stewarding capital along the way. And it’s a life cycle or entrepreneurial journey that we’re able to be hand in hand with folks over decades opposed to measured in three to five year spans. Jason Diamond: So it sounds, and you’ve both kind of touched on this now, your different backgrounds, you view as very much a positive because it gives you, Taylor, the more in the weeds analytical perspective. Nick, you’re probably more the storyteller. Do you find that to be a benefit when you’re running your firm every day? And are there instances when it’s a negative? Is there ever a time when you say, Taylor, just maybe more for you, not coming from this world, you don’t speak the same language? Nick Hubert: Do you want me to drop off the call so Taylor can be honest and he can give you the scoop and then he can jump off and I’ll give you the scoop? Taylor Gentry: Jason, we talk about that a lot, honestly. I think it is atypical for someone with my background to step into the wealth space maybe more so. And we leverage that because we have the ability to work with folks on how do you drive value in the company, how do you set the business up for a potential sale exit or transition internally? But this business, historically, we’ve talked about it as almost like two tracks. You have Taylor on the quote unquote business consulting or the business work track and you have Nick on a wealth management track. It’s really not the case. And really, the power is the ability for these two pieces to come together and there isn’t a conversation we have with clients where those two perspectives and backgrounds or contexts aren’t married into one to create really truly holistic advice. And so Nick will probably tell you otherwise, but I haven’t seen an area yet where our two backgrounds has been a negative. It’s actually been immensely positive. And then on top of it, in terms of kind of building out the firm, Nick is more of a traction visionary and I’m more of the traction implementer. What’s amazing about it from our perspective is the partnership we have allows us to, A, recognize that, B, name it, and then C, leverage it in terms of being able to dole out duties and maximize our success together. Jason Diamond: Nick, anything you’d add? Nick Hubert: I think that’s all right. I mean, Jason, your question was from an operational perspective. I think a lot of Taylor’s view is from a client perspective, which is spot on that the overlap of that is really helpful for clients and I think what allows it to be a different experience for them. Internally, operationally, I think that where you could see friction there amongst partners with differences, and I think you do see that, and at the same time, Google was the one who did team research 15 years ago where they put out what you really want, is similarity and vision and differences in skillset when building a team. And so I think we’ve been intentional about that and it’s been really helpful for… Taylor and I functionally met in a quasi-professional setting back in 2011 and developed a friendship quickly, so we’ve got that deep level of friendship that underpins all of it. And same with Andrew and our time working together. So part of it is there’s just such a strength of relationship amongst us that we give space for each other’s differences and look for those as assets as opposed to negatives, but in some sense, beauty in the eye of the beholder as is the case with anything. Jason Diamond: Yep. I appreciate you adding that context. I’ll be honest that when I first encountered your firm, my reaction was your core value prop of serving business owners is not all that differentiated. And then I learned more about the way in which you serve business owners. Can you talk about that? Because a lot of advisors in general, but then I think more specifically, a lot of RIAs would say, “We service primarily business owners.” Tell me how do you do it in a way that’s different and meaningful? Nick Hubert: I’ll take a first stab at that and then Taylor can maybe add on with specific stories. The wealth space is an awesome business and it’s a place where it’s very difficult to differentiate. And so we think a lot about that through the lens of how do we grow this business well for the long period of time to create opportunities for clients and employees. And so we spent a lot of time thinking about that, not only for the sake of differentiation, but also how do we actually just continue to add value to clients? Because if we add value in a different way, growth will take care of itself. I’d say one way of cutting that is we revisit the mission is through this idea of, okay, if I want to be a partner along the journey, it’s about more than a single transaction, more than a single exit, whatever that might be, or a series of transactions as wealth is often created over a series of transactions. It’s this idea of how do we focus on wealth creation and driving business value as the engine of wealth creation for entrepreneurs and what we call personal significance, which is the life of the entrepreneur. And so there’s a next click down framing of our framework that we work through that lens. I think the most important piece for us has been how do we build a business model that actually brings that to life and that’s the trick because we can say that, and if we basically still just operate out of an AUM-based or an asset advisory fee-based business, the reality is my incentive is still towards getting assets out of the entrepreneurial environment, so to speak, into a place that I can manage them, which may or may not be the best thing for the entrepreneur based on where they are at. And so our current work continues to be around how do we build that business model. So layering in different ways of engaging, whether it’s a retainer fee or some other way of engaging so we can start earlier when assets aren’t there and actually encourage the entrepreneur, “No, keep reinvesting in your business. It’s your highest rate of return right now and it’s where the investment needs to go.” I don’t want to have a conflict in giving that advice. And so I think step two here has been building that business model from an actual engagement perspective to enable us to enact the vision. And then I think the third piece is how do we then build tools that are different than just evaluating pre-exit planning, and as is so often, the toolkit, but actually saying, okay, what are the value drivers of a business? And this is probably where Taylor has a lot more to add because it’s 101 of the PE model, but how do we take the mission and vision of an entrepreneur, what we call north stars, translate those into value drivers, ensure those tie to strategic initiatives in the business, ensure it ties to reporting, and ultimately, how capital is allocated between the business and other investments? So then that’s our toolkit that we continue to build out to deploy the mission through our business model with tools that back it up. So that’s how we frame it right now. Taylor, we can share stories about how that’s come to fruition to create different outcomes. Jason Diamond: Taylor, I’d love to hear that. Let me just add maybe my understanding, because this is what helped me, I think, to really understand how you defer, and Nick and Taylor, correct me if I’m wrong, it sounds like the typical advisor thinks about an entrepreneur, a business owner relationship as the next liquidity event in most cases. And you take the viewpoint that it’s a journey, in some instances, 30 years in the making. It’s not even about liquidity event might come that’s beside the point. Is that a fair summary? Taylor Gentry: Yeah. We talk about it as a growing business is a healthy business, a business that is creating incremental value and adding to the multiple in terms of how the business is valued in the marketplace is a healthy business. And so whether you are going to sell that business or retain that business into perpetuity, let’s make a really valuable business and grow a very healthy business. And that’s what we do with clients. Nick laid out the north star framework. And so how do we actually go about engaging with folks on a practical level? It does start with the north star framework. It’s got five steps to it as Nick outlined in terms of defining the north star, where we’re going, what we’re trying to do and that’s across those three pillars, personal significance, personal wealth and business value. And that personal significance has to be held at that same level. Otherwise, we find folks that are mid 50s, their business is crazy valuable, they’ve got a lot of dollars, but their family life isn’t where they want it to be because they didn’t take care of that along the way. So we lay out a place map that says, “Hey, these are the north stars that we are aligning on and coming back to every month when we work with these owners.” We then push that into, okay, what are we trying to do on the business side of the equation? Let’s lay out what is going to drive the value of the business from a multiple and enterprise value perspective. We push that into a set of strategic initiatives that is tactical, who owns what, when’s it getting done, and are we red, yellow or green on it? We then build out the performance reporting package with folks. And so that is a monthly reporting package that says what happened last month and what operational data are we looking at to be able to improve the business month over month and get a good feedback loop going into the company. And then the last piece is around capital allocation that Nick mentioned where if the business generates a million dollars, where’s that capital going? I think there’s a lot in there and it’s really deep, but if you zoom all the way back out, it’s take a private equity style playbook where private equity firms come and invest in a company. And what do they do after close? They put in place good financial reporting, good operational reporting, and then hold the team accountable to that reporting and those results on a monthly, quarterly, and annual basis. And so this is not rocket science or something that’s never been seen before. It’s just most business owners that have never experienced this private equity world don’t have access to it and don’t know how to go about doing it. It’s a relatively long process to get that installed with companies and with teams to really dig in and understand it, but it’s building out those packages to be able to say, “Okay, what happened last month? What changes do we need to make and what are we doing from a initiative perspective to drive the business forward?” So to Nick’s point, it was previously, this was all about liquidity planning or from a wealth management perspective, it’s about the exit. This is about how do we make a more valuable business along the way, and that’s going to be good for the entrepreneur as they move through the journey. Nick Hubert: When we were around the dinner table, the proverbial dinner table creating the vision of this firm, it was around this idea of the silver tsunami and everything that everybody reads in the headlines of this massive wave of transition, this generational transition of business ownership that we could help facilitate. So we launched with that thesis in some sense. In addition to this broader journey perspective, we have gotten to this place by following the market and listening to what entrepreneurs actually want through the big unlock was honestly in a deal process with one of our clients where we realized, “This is a great deal. This person’s going to put a ton of money in their pockets, secure their future,” and it’s completely the wrong outcome for the entrepreneur because it’s thinking all about the deal, not thinking about what this person didn’t want was an exit. They wanted a different relationship with their business, and that required, what do you actually want out of life, that personal significance piece? And it required, “Hey, if we can actually create a layer of team members and reporting that allows you to manage this like a board chair would do as opposed to a highly engaged CEO. That’s actually what you want. You don’t want out of this business. You want to still have this be a huge rock in your life.” And so we’ve ran through that door, said no to the deal with them and have been building the infrastructure around this, and that was the unlock and aha moment for us. There’s something bigger here and that’s what then inspired, in some sense, the broader build out of the toolkit, but I think puts more meat on the bone of actually saying no to a deal, which is not the classic wealth manager outcome to get to a way better outcome for the client and is ultimately still an awesome client for us as a firm and somebody that we can go build with for the next 20 years. I think just telling it through the lens of a story that’s different than what’s normal, so to speak, is a way to frame that up. Jason Diamond: It’s such a hyper focus on a fairly long-term and honestly nebulous potential outcome. You don’t have certainty. That, I think, is why most advisors would prefer the near-term liquidity. I mean, it’s not a secret, right? You can bill on assets, firms are incentivizing it and it’s a pretty direct recipe to net new asset growth, but it’s certainly a refreshing point of view. It resonates with me. I’m wondering if it’s resonated with clients and prospects. I guess what I’m asking is, do they feel that this is something different than the typical wealth management experience for this type of client? Nick Hubert: Yeah, Taylor, tell that story of the guy who said, “I’ve had this, but I felt alone.” I think that story of partnership, you tell pretty well. Taylor Gentry: Yeah. Jason, it was actually that same client, he had a investment banker, a wealth manager, attorney, and a CPA. CPA said, “The deal’s terrible, you shouldn’t do the deal.” Investment bankers obviously incentivized to do the deal. And so he’s saying, “You should do the deal.” That’s how he gets paid. He had a wealth manager who was silent and he had an attorney who just pushing paperwork. Jason Diamond: It’s like the start of a bad joke. Taylor Gentry: Yeah. No, seriously, it’s pretty remarkable. It’s like this guy did what he was supposed to do. He put the team of resources around himself. He got professionals in the seat. It’s that no one could connect the dots of all four of those people because they have the seat of those four people. And so it’s really resonated because there’s an ability to see a bigger picture and connect these dots and say, “Okay, this investment banker is saying X because of A, B and C.” And the CPA is saying it’s a bad deal and that it’s not a market deal. It’s 100% a market deal. This deal is right down the fairway in terms of what the market should value your company at and they just don’t understand how the transaction mechanics should work. And so it’s worked really well from that perspective of being able to be the quarterback or centralized point or personal CFO for folks in understanding where interests lie and also being able to think about what they are pursuing in a bit of a different lens. I think the second piece on that is where does it resonate for folks? I think that there is a gap in the marketplace that we are still working to close, and that gap is that business owners do not know what this monthly reporting package looks like. They do not know what really good reporting on their business looks like in terms of they have always run their… You’ve got a business owner. They’ve run their business for 10 or 20 years. They have a pulse on the business from their gut feel. That does not mean that the business has been optimized, is ready to go to the next level or is ready for a transaction and go through a transaction because they have not done the work on the backend to understand the moving pieces of the business at a granular level. This recording package, we oftentimes get this confusion around, well, I’ve got a temporary CFO or a controller or X, Y, Z. That is very different than what we’re talking about. Well, that is all accounting, close the books, have clean numbers. What we’re talking about is how do I marry operational data in the business, number of units ships, number of jobs completed, time on job, operational data to the financials in the business so I can then go make adjustments operationally on how to improve the business and continue taking steps forward. Jason Diamond: It’s very clear. Nick, anything you’d want to add to that? Nick Hubert: I’d say it’s easy to still cut that from a deal lens and say, look, when an investment partner comes to evaluate a business to sit in their seat for a moment, they’re going to look at the replicability of what that leader has done without that leader still in the seat. And if so many businesses are still reliant on that person and this gets talked about as processes, reporting systems, that ultimately results in a discount to the value of the business because although it can be viewed… For the leader, it’s like, it’s that control thing that entrepreneurs deal with. It’s what made them good. It’s what got you there. And so that transition is really hard. And that’s important from a deal lens because that does a direct impact to value. And to widen out the scope beyond the deal and to think about the entrepreneur’s life, this goes back to the dynamic that a lot of times entrepreneurs look for the exits because they’ve built something that it’s now owning them and what they’ve built is not resulting in the life that they want. And so how can we use this system to actually change that relationship, as I mentioned earlier, with the business so that they can run it more like an executive might and get out of the knife fight, so to speak, that often is how this can feel for a lot of folks, even for pretty large businesses. It can just feel like you’re a firefighter, you’re in a knife fight, whatever you want to use for that terminology. I think it’s as much about creating a different life outcome and different relationship and owning and leading a business as it is in driving deal value. Jason Diamond: Taylor, maybe I’ll ask this of you. Forgive the question, but private equity, I think in our space, has a little bit of a negative stigma at the moment. I don’t think that’s true across the board. I think people appreciate generally the need for capital and there are certainly benefits of private equity. But I’ll say as a whole, advisors are, let’s say, suspicious of private equity. You ever get that pushback? Does anybody ever view your experience or the way you position the story as a negative? Taylor Gentry: I think most people that we talk to don’t know what private equity is. They may have seen it in the headlines. They may have some sort of connotation around it. They won’t come out and say that they don’t like it. They don’t know why they don’t like it. The average American business owner, they don’t know what it is or what it means. So yes, you do have to fight that because of the headline piece around private equity, bad actor ABC, and that’s what gets the headlines. I think what private equity is really good at is taking a business that is not optimized or not running on systems and processes that it can run on. Again, it's not rocket science is not crazy hard. It’s just the private equity world has created ways to install systems and process that improve the value of the business by way of providing visibility to financials and operations in a way that the owner previously didn’t have. And so for us, we view it not by any means as the end all be all or the answer. There are clients we’ve worked with that have taken private equity capital and grown successfully, executed on some acquisitions and then exited again. There are clients that have evaluated those transactions and said, “Hey, not for me.” We are actually fairly agnostic to it. What we really spend a lot of our time on is what are we solving for? What’s the end game? How do we use this private equity transaction to get to where we’re trying to go and is it what we want at the end of the day? Because the reality is, if you’re going to stay on and run that business with private equity investment in, there’s a higher expectation on what you need to do Monday morning than when you owned it yourself and it was a little bit of your personal piggy bank too. Jason Diamond: I love it because you bring it back to the north star concept. Taylor Gentry: Yes, that’s exactly right. It’s what are we solving for and what game are we playing to be able to get to where we ultimately want to go? And for, as Nick mentioned that client that turned down the deal, it was a private equity investment. We got very clear with that, “Hey, here are going to be the expectations. You will have a monthly financial reporting call. You’re going to have quarterly board meetings.” These are things that need to happen in this business to be able to upgrade the management and cadence in this company. You don’t have to do it all tomorrow, but that is how you make a more valuable company, is installing some of these systems, process and cadence. And so we’re working with him now on doing that, just in a private context instead of in the private equity backed environment. Nick Hubert: I think there are three things embedded in this. I’d say number one, to Taylor’s point, this is a massive black box, in some ways by design. Wall Street’s had not a great reputation for a very long time of putting things behind the paywall, so to speak. And so we think a lot about our job as empowerment and education. Jason Diamond: Education, yep. Nick Hubert: Yeah. And so part of it is just, number one, how do we just demystify this thing and name things and take away the go to or bad? Because it can be that, but it should not be that from a core basis. That’s number one. Number two, a lot of entrepreneurs feel like they cannot get access to this ability to professionalize or level up or whatever these things are without bringing on that investment partner. And so part of our motivation is how do we actually bring this skillset in without needing to bring on an investment partner because oftentimes, that investment partner comes when you’re done, and so you don’t actually get to experience it. That’s number two. Number three is, Jason, part of your point earlier was like there’s still a trap here of potentially being able to get motivated primarily by the exit. And so again, that gets back to our business model, making sure our price Racing is right, all that good stuff. And it’s also the reality that a lot of businesses, if you just look at a very broad scope of American businesses, a lot of them don’t have value in the marketplace in a massively material way and/or won’t exit in a traditional way. And so the wealth creation journey then becomes much more of a conversation of, how do we manage the balance between investing in the company and distributing out of the company to invest elsewhere because we should actually be creating investment assets along the way because when you get to the exit, there’s no better power position at the moment of exit than already having financial security to some degree and giving you choice in the right deal, not the highest and best deal because you need to fill the piggy bank for retirement. Jason Diamond: I just want to be sure to ask because you did mention a couple times your pricing structure. How have you set it up so that you can be more agnostic about this as opposed to the typical… You want to talk about it for a minute? Nick Hubert: As it’s structured now, it starts with a retainer earlier on where we are working… As Taylor mentioned, we are going deep in the operational build of the business. We will do that on a monthly retainer. We’re engaging consistently. As assets get built up and if assets get built up, we start to chew that retainer down as assets go up. I think what we are ideally trying to figure out, and still honestly have not figured out yet, is how do we get to parity so that we don’t create an… I want to be able to work agnostically with a client to say- Jason Diamond: Yeah, I love it. Nick Hubert: … regardless of how I’m engaging with you, that’s the goal. So I’d say we haven’t cracked the code on exactly what that is yet, but mechanically, we’ve got the levers to pull to say how we price and move that retainer down is basically allowing to keep it at par, so to speak, for the client and allowing us to say, “I’m here to engage in making the best wealth creation outcome for you along the way, whether that’s investing in the business or investing outside the business.” Jason Diamond: I think that’s the right recipe. I agree. The levers can be fine-tuned, but to me, that’s the model you want to create where you can credibly look your prospects and clients in the eyes and tell them, “Our job is to serve you in the best way… We’re sitting on the same side of the table as you.” I want to turn this inward for a second. The home cooking concept. M&A, within the RIA independent space, is obviously a hot topic. Have you thought about it? Do you think it’s a critical part of a potential growth trajectory of a healthy, independent firm? I’m curious your perspective. I feel you, Taylor in particular, probably have a unique lens on this coming from the world you came from. Taylor Gentry: Yeah, Jason, I think if Nick and I wanted to put as much money as we possibly could in our pockets as fast as humanly possible. It’s a pretty easy recipe. It’s go get some private equity capital backer, roll up a few RIAs, get to a few billion of AUM and then sell it to the next private equity firm or roll it to the next private equity firm, do that a few times. We’d all make plenty of money and go on our way. We’ve been really intentional on this front, and again, I talk about this is what we want to do for the next 30 plus years. And really being intentional around building a business that has that enduring nature to it, decided to take private equity capital on, you are on a shot clock to some degree. Yes, you’re trying to build a best business, all of those pieces. You get cadence. You get capital. There’s a ton of value there, but you are on a shot clock that is not a shot clock we’re trying to get on at this stage. I’d say we opportunistically are looking at acquisitions. So we think about it, and Nick and I talk about it all the time, how much of our time should we be spending on acquisitions? And we think of it as 80/20 or even 90/10, 80% or 90% organic growth-focused, 10 to 20% acquisitions-focused. And so we’re actively evaluating those consistently and see deals on a monthly basis that we look at and evaluate, but it’s less of the focus today than it could be down the road. Jason Diamond: And Nick, do you think of that when you guys talk? Do you guys call that your true north? Do you think the same way you coach your clients and prospects to say, “For right now, it wouldn’t be the right move for us to take private equity capital and to do this acquisition rollup strategy because A, B and C are more important for us”? Nick Hubert: Yes. I think if we take our life north star for Taylor. I’m speaking for Taylor, but we’re close and so we share this of… To Taylor’s point, the life outcome of scaling that quickly with that type of capital backing is likely to create a life that I don’t actually want that’s not good for me, not good for my family, and honestly, not good for our clients at this point. And so that overrides in this case, even though the wealth, north star might say, “Hey, absolutely do that.” At some point something has to win. And so that is true. At the business side, as the north star is motivated by this mission of the entire entrepreneur journey, the worst thing I could do is shortcut my ability to be on that journey for a long period of time. One of our friends in this space says, “The best thing I can do for my clients is still be in the seat 30 years from now because I’ve lived a good life that enables that.” And I think that’s spot on for us, is everything, it’s so easy in today’s world to be consumed by short-termism and we are intentional in ensuring that we don’t succumb to that. While still recognizing to your point, I mean, you’re in this all day, Jason, right? There’s a massive opportunity in front of us to be thoughtful about how acquisitions fit into this. And I think we want to be open to that in a way that ensures we just don’t lose the core of the goodness of what we’re trying to build. Jason Diamond: I think that’s the right answer. The only wrong answer in my mind is we’re not open to this or we’re closed to it. To not at least be opportunistically aware of the dynamics in the market, I think is naive. But also, I’ll be honest, Nick, when I think about the concept of the north star, I have a hard time imagining, because we use a similar concept when we counsel advisors. What is your true north or your north star and your best business life, whatever you want to call it? To me, it does include absolutely the personal piece. I think it’s hard to define it only on the economic verticals because, I mean, I think about this for a transitioning advisor. Almost never is the conversation about crunch the spreadsheet and get us the biggest check possible. It’s, yeah, sure, transition capital is important, but it’s let’s also, we want a better work life and we want freedom to market and blah, blah, blah. To me, I think it’s a completely fair way. You two are looking at it at least for now and I assume you reserve the right to revise that opinion down the line. Nick Hubert: I think acquiring for size and scale is as often the headline is, yeah, we’re not into that at this point because I think… And yet, hey, if the right acquisition with the right people came along in that, we’d be extremely excited and would move very quickly to execute on that. So it’s a little bit of a both hand. Taylor Gentry: Yeah. Jason, I think it goes without saying, but my background on having done a bunch of transactions of businesses like this, it’s a natural fit for us to have this as a lever. And so we are looking at deals. We just haven’t prioritized it as the top priority. Jason Diamond: I think also where you are, 2024 was the launch of the business. It’s pretty common to see, all right, let’s nail this, let’s get our feet under us, client service model and then we’ll start to think about that down the line. A couple other things I want to ask you about running an independent firm. This is a pretty glowingly positive review, I think, of your ability to service clients, your ability to grow and to build and run the business that you want. Has there been anything negative that you haven’t enjoyed about running and operating this business, other than working with each other, of course? Nick Hubert: No, I was going to say, I’m like, can we get Taylor off the call again? Taylor Gentry: Jason, maybe I’ll take a first cut at it. I think for both Nick and I, it’s just the administrative components of running an independent business that we don’t enjoy candidly. I don’t think many people would. That said, you come full circle and it is a pretty glowingly positive review of running an independent business because we get to run it in the way that we see fit. And oh, by the way, we use the same things that we use with our clients. So the value drivers we’ve talked about, we have a value drivers worksheet. We refresh it every six months. Nick, Andrew, and I get together every six months and we’re 18 months into this thing and we’ve already got this cadence and system to it, if you will. So I personally really enjoy the running the business piece of it from a macro perspective. Yeah, I’m responsible for running our fee billing and running the math on all that and getting that done, for example. Jason Diamond: I think that’s actually a very thoughtful answer. And I appreciate you saying I enjoy running… I feel the same way, by the way. There’s some elements of running a business that I think are immensely fun. I think it gets painted with this brush of, “Ugh, running the business is the hassle and I want to work in the business.” Agreed, nobody likes invoicing and accounts receivable for the most part, but Nick, what are your thoughts on this? Nick Hubert: Yeah, I think mine is different a little bit coming from a different background where it’s easier for me to sit with the rose-colored glasses of the joy of the freedom that we have in this model. At the same time, when I’m counseling folks who are talking with folks or mentoring folks, younger people who are thinking about, “Okay, I want to go start my own thing,” I’m like, “Hey, it’s like I’m the same way. I want to look in the mirror and think I’m the boss or I’m one of the bosses and we get to go build this.” Then the reality is, at the end of the day, if there was something that you didn’t want to do that had to get done and you didn’t do it, you got to look in the mirror and be like, “Well, you’re the boss, you didn’t do it.” It’s the both sides of the coin that I think a positive, negative cut is one way to look at that because it can feel that way sometimes. And the reality is every job has 20 to 30% of it that you just don’t enjoy doing, and that’s totally true. Jason Diamond: It’s why they call it work. That’s why they pay you. Nick Hubert: They’d be pretty quick to point out that I’m the one of the partnership group that they’re going to have to chase for a smaller administrative item because, yeah, I honestly, just similarly speaking, don’t enjoy that. I want to go talk to clients. I want to go focus on building what we’re building. In finance speaks, it is a higher beta to just the all encompassing realities of running a business that is really hard to underscore without being in the seat. And yeah, there’s definitely 20 to 30% of that I would love to wave a magic wand and say, I don’t have to do anymore. Jason Diamond: Yeah, I appreciate that. Nick Hubert: You can’t have one without the other. It’s both sides. Jason Diamond: I think it’s getting easier and I think it’s getting more offloadable and some of it probably gets more… In some ways, more offloadable as you scale, but then you get a new set of problems, probably two, because you’re dealing with bigger… It’s a never ending. I think most business owners would agree with that. And you said it well, you take the good with the bad and overwhelmingly, most people we speak with in the independent space feel as you do, which is, are there things I would prefer to offload or that I would prefer not to do? Of course, but that’s almost just the price you pay for the freedom and for doing all the things you want to do. Two more questions that I want to be sure to ask about where this has been a great episode. One is AI. Need to know your thoughts. Is this coming for our jobs? Do you think your firm is positioned to capture either asset flows or also just to leverage this technology and use it to serve clients better? Just give me your thoughts. Nick Hubert: I think, in some sense, it would be irresponsible as people this early in our entrepreneurial journey and thinking about how do we optimize what we do for clients to not be engaging with AI in some way, shape or form, at least in an evaluative posture. So we are actively, in a bunch of different ways, whether it’s buy it off the shelf or build it, continuing to find ways to think about, not only how do we drive efficiency, because there’s an obvious surface level dynamic of if I can save time and spend more time with clients, that is a go to thing objectively. And there’s this deeper dynamic of if it can amplify what… Actually, back to your prior question, if it can amplify what I’m best at and enjoy and reduce what I don’t enjoy, that’s a massive win. And I think we’re on the surface of seeing that. That’s the opportunity we are motivated by that and pursuing that. And at the same time, I would say an operational principle that really is important to us, and you can almost call it a north star within the business is client security can never be put at risk for the sake of our own growth, our own efficiency, or anything else. There’s, I think, still a question mark as to how we think about trusting this. And so we are very cautious as we think about we will never try to move so quickly on any technology, whether it’s AI or otherwise that we risk our clients in some way, shape or form, because the reality is we are also in a context where AI is, when pulled, one of the least popular things happening in the world today for the average American. And so there’s no kudos here for being a leader. Jason Diamond: I totally agree. The first mover advantage here is slim to none. Nick Hubert: Yeah, you don’t want to be the one sticking your neck out on this in our industry. And yet there still objectively has a potential to be better for the clients. Navigating that I think is messy. Taylor Gentry: I think the only thing I’d add, which is pretty short, is the use of these tools has the ability to create a better deliverable for clients on a more consistent basis. And marrying that with exactly what Nick just outlined around the risk is really the magic piece here. And so I think, to the extent we can get it implemented effectively with the security, but also with, this is going to result in a lot better outcome for clients across the board, that’s a pretty attractive objective to go after and it’s pretty exciting to be in the industry with that now on the forefront in terms of ability to improve that experience over time. Jason Diamond: Yeah. No, that’s a good color to add. I want to end here with a potential HR violation, but you’ll forgive me. I’m not going to ask about age, but you are clearly both relatively young advisors. And this is a hot button issue in our industry, the idea that there are not a lot of talented, young next gen advisors at a time when a lot of gen one or older advisors are retiring out of the business. So what would you say… I think one of you made the comment earlier, it’s not necessarily the coolest industry to go into at 23 years old right out of school. I think more commonly people go into sales and trading, investment banking or some of the other finance verticals. What would you say to younger folks interested in wealth? And maybe I’d ask also, do you have any thoughts on how we solve this next gen talent crisis? And if you’re both secretly 90 years old, you can just do it. Taylor Gentry: You talking my internal age or my actual age? Jason Diamond: Why don’t you go first? Nick Hubert: Yeah, go ahead, Taylor. Taylor Gentry: I think there’s two threads here. The first is it’s not a sexy industry to go into and not as sexy as an investment banking, private equity shtick, if you will. I think from my perspective, it’s really important what you’re working on. The ability to be in a firm like what we are building with the diversity of work that is available is a little bit like the world’s your oyster and we’re designing it with that in mind. For Nick and I, the ability to work on many different situations throughout the day and throughout the week is actually why this business is so attractive and interesting and why we want to do it for 30 years. And so we’re building with that context. And so, in some ways, it’s almost like a plug for younger advisors, the ability to work in a firm like what we’re building where you’ve got this diversity of work that is not just trading stocks and bonds or just spreadsheeting or just financial planning. This is a much broader expression and experience than what I would call “traditional” wealth management. So I think that’s the key on that front. Then, on the talent development side of the equation, if you will, this AI thing is going to be a big question mark. And what I mean by that is there is significant training that will be required in, call it traditional wealth management or the firm we’re building with regard to folks’ ability to actually learn when you can plug it into AI and get an answer that you don’t have to critically question or think through. And so there’s going to be a significant learning curve for folks that we’re going to have to continue to train and educate on in order to produce talent that can be long-term sustainable and beneficial for clients more writ large. Jason Diamond: Nick. Nick Hubert: Well, first and foremost, we haven’t given our third partner enough here of time. I think we have a tremendous benefit of having a multi-generational team at the partnership level where he’s in his mid to late 50s and can bring that additional experience to bear and as is necessary, and as is important because investing is an experienced business and a lot of clients want that. And so the power of that matters. I think that actually speaks to firms being willing to think of partnership at that level that partnership is not reserved for just once you’ve been there for a long time. So I think it’s getting at like, how do you share ownership earlier, do it in a way that is actually giving people a stake in the outcome and allowing that elevation to happen. I think that’s number one. Number two, honestly, the existence of people like you and your team and that your family has built over the years, Jason, is awesome. And because of the ability for you to help people navigate and see how easy it is to actually run this business and build this business in some sense… And that’s in the broader spectrum of having seen. We work with so many different types of companies. We sometimes say our business is so much easier to run and it has come so far with technology and with people like you who are providers to us to allow it to be easier for us so to speak. That’s a big deal. I think that should be talked about more that there is a massive… What that allows is more time to, as Taylor mentioned, build what you actually want because you can outsource the compliance piece in a major way that allows you to not spend as much time on that as you used to. So I don’t think that gets talked about enough. And I think if you just zoom out and view this in the perspective of post-2020, there was this massive movement of entrepreneurship through acquisitions and people looking at this idea of how do I get the life I want by way of not having to be on a two-year clock to go to the next job to the next job. Have something that I can have a long-term impact on where I get to build something and have employees. This is the perfect space for that because it’s such an awesome business where you get to work so intimately with people and clients and their life outcomes. They’re, again, relatively speaking, easier businesses to run relative to what’s out there. I’m just baffled by the fact that it is not seen a larger wave of younger people coming out of these more “traditional” paths and seeing this as an awesome place when they’re willing to go buy an HVAC company. This is so much easier than that. So honestly, I think

You've listened to Neville's words. Now practice living from them. Join Unlock God Mode at unlockgodmode.org and begin a 30-day journey into state, assumption, self-concept, and conscious creation.  ------------------------ Start here: nevillegoddard.com – download Neville Goddard's most powerful book free and receive weekly insights to help you manifest.  ------------------------ NEW PODCAST: Follow the brand new Neville Goddard Podcast on Spotify, Apple Podcasts, or your favourite podcast platform. The Neville Goddard Podcast is dedicated to bringing Neville's timeless ideas into a modern, immersive format you can return to again and again. This is a modern faithful interpretation of Neville Goddard's most powerful teachings. Listen to Episode 1 on Spotify → Listen to Episode 1 on Apple Podcasts →   ---------Neville once said, “Assumption, if persisted in, will harden into fact.” That one truth is enough to change your life. The question is, how do you live from that place, day by day? That's exactly what Unlock God Mode was created to help you do.If you've been waiting for a sign to take Neville's teachings deeper and make them the rhythm of your daily life, this is it. Start your journey now: unlockgodmode.org. ---------You Can Forgive Sin (Neville Goddard, 1963 Lecture) ***Download the free Neville Goddard PDF Guide at manifestwithneville.com - Discover the transformative power of Neville Goddard's wisdom with this FREE 60-page guide on his 12 timeless principles of manifestation and reality creation.★ Follow the podcast for daily lectures from the mystic Neville Goddard ★FREE RESOURCES:• Join the FREE Neville Goddard newsletter• Join the FREE Telegram Channel• Feeling is the Secret • Full Audiobook* * *The James Xander Trip Podcast:• Listen on Spotify• Listen on Apple Podcasts• Listen on YouTubeDIVE DEEPER:• The Unlock God Mode Course• The Infinite Wealth Guided Meditation* * *ABOUT NEVILLE GODDARD:Neville Goddard (1905-1972), was an English writer, speaker and mystic. He grew up in Barbados and moved to the United States of America as a young adult. Neville Goddard was perhaps the last century's most intellectually substantive and charismatic purveyor of the philosophy generally called New Thought. He wrote more than ten books under the solitary pen name Neville, and was a popular speaker on metaphysical themes from the late 1930s until his death in 1972.Possessed of a self-educated and uncommonly sharp intellect, Neville espoused a spiritual vision that was bold and total: Everything you see and experience, including other people, is the result of your own thoughts and emotional states. Each of us dreams into existence an infinitude of realities and outcomes. When you realize this, Neville taught, you will discover yourself to be a slumbering branch of the Creator clothed in human form, and at the helm of limitless possibilities.Neville's thought system influenced a wide range of spiritual thinkers and writers, from bestselling author Dr. Joseph Murphy to Rhonda Byrne and Wayne Dyer.He has inspired and continues to inspire millions of readers around the world.* * *SOCIALS:• Neville Goddard Newsletter• Neville Goddard Telegram• Neville Goddard Instagram• Neville Goddard Threads• Neville Goddard Twitter• Neville Goddard YouTube* * *ABOUT THE COURSEUnlock God Mode is a transformative 30-day course designed to accelerate your journey towards greater wealth, love, and success through a deeper understanding and manipulation of your reality.  Comprising of 30 audio lessons, this course unfolds as a self-paced, introspective expedition into reality creation, aiding you in elevating your consciousness to what's referred to as the God Mode. Throughout this journey, practical tools will be provided daily to help enrich your life with more love, money, and success by altering your mental models and perceptions. This course combines theory and hands-on experience to create a unique deep dive into manifestation, consciousness, and reality creation. Join me on an extraordinary, 30-day adventure (1 lesson per day) and watch your reality transform. Begin the Unlock God Mode experience today »* * *Follow Neville Goddard on Telegram, Instagram, Threads, Twitter, and YouTube.★ Join the FREE Neville Goddard newsletter ★» For the Neville Goddard listener: Access the 30-Day Unlock God Mode Program «----------

In order to grow spiritually forgiveness is one of the most important tasks we need to accomplish. And forgiving ourselves is a necessary step before we can fully forgive others. In a companion Soulcode Post I've written about why self-forgiveness is so hard to do. In this episode I share some practical steps to actually move through letting go of self-blame and guilt. This episode includes:Why self-compassion is needed before we start this workTaking an honest look at our past actions that may have done harmHow to separate guilt from shameThe need to repair what can be repairedAllowing our past mistakes to become our teachersCreating a ritual for self-forgivenessDownload the Handout on Patreon.com/eoluRead my latest ⁠Substack⁠ post on Letting Go of GuiltExplore the Seven Paths of What Really Matters hereLearn about my books hereCheck out End-of-Life University PodcastMake a donation here

The greatest strength of a believer is not self-confidence but God-dependence. Forgive freely, fight faithfully, and be filled with the Holy Spirit—because every great calling ultimately ends with one prayer: “So help me, God.”

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3084: Leo Babauta explains how releasing resentment can restore happiness, strengthen relationships, and free you from repeatedly reliving past pain. His practical steps, choosing a new perspective, practicing empathy, returning to the present, and cultivating compassion, offer a clear path toward greater peace and emotional freedom. Read along with the original article(s) here: http://zenhabits.net/how-to-let-go-and-forgive Quotes to ponder: “Forgiveness does not mean you erase the past, or forget what has happened.” “You can stop reliving the hurt, and can choose to move on. You have this power.” “Release the pain and the past. Let peace enter your life.” Learn more about your ad choices. Visit megaphone.fm/adchoices

What a privilege it is to handle the Word in a room full of sweet families. GRATEFUL! Forgive the audio quality, it improves a few minutes in! it's a voice memo at the back of the sanctuary. LOVE YOU ALL!!! #thePJP

Podcast Summary: The Superpower of ForgivenessShow: Sober.Coffee PodcastHosts: Mike and GlennEpisode Title: The Superpower of ForgivenessExecutive SummaryIn this deep and moving session, Mike and Glenn hunker down in the coffee shop to take a profound dive into the concept of forgiveness. Moving from the chaos of active addiction to the peace of sobriety, they explore a central, recurring message: forgiveness is a superpower. The hosts break down this superpower into three distinct dimensions: forgiving ourselves, asking forgiveness from others, and granting forgiveness to those who have wronged us. Ultimately, the episode serves as a roadmap for shedding the heavy baggage of shame, guilt, and resentment to achieve true freedom.Key Themes & Discussion PointsThe Contrast of Active Addiction vs. SobrietyBefore sobriety, life was murky and blurry. There was no time spent "parked" on the reality of their actions.The hosts recall having a "short wick" with absolutely no room for forgiving others.Apologies during active drinking and drugging were either nonexistent or empty, weaponized to "use others to gain life." As the saying goes: "Words without action is manipulation."The Three Directions of ForgivenessForgiving Ourselves: How do we forgive ourselves for moments we will never get back, or the monumental damage done while focused on the drink? The hosts emphasize that letting go of this internal wreckage is vital.Forgiving Others: Unforgiveness tears us up inside. Glenn notes that we must grant the same grace to others that has been graciously extended to us, living out the principle: "Forgive us our trespasses AS we forgive those who trespass against us."Seeking Forgiveness: Moving past a simple "I'm sorry" and transitioning into active amends.The Spiritual and Twelve-Step ConnectionThe Foundation: True forgiveness starts with the spiritual realization that we are already forgiven by our Creator, a truth supported by reassurance found in the Bible.The Framework: Alcoholics Anonymous doesn't just mess with your drinking; it messes with your living.Steps 4 & 5 act as the essential unloading of resentments and map out the explicit need for forgiveness.Steps 8 & 9 prove the power of forgiveness through action, bringing the undeserved gift of grace to fruition via real amends.Processing Deep Hurts & Protecting the CoreThe hosts discuss varying levels of hurt (Levels 1, 2, and 3), noting that the deepest wounds often stem from childhood and formative years.Hurt must be acknowledged and processed; forgiveness is a unique, highly individual journey that requires a personal action plan.Being "Guarded": Today, protection doesn't mean isolation. It means intentionally surrounding oneself with a safe social core of people.The Bottom LineResentments lead to a drink. Hanging onto unforgiveness has zero value.True forgiveness requires us to be fearless, thorough, and willing to go deep. When we embrace the true definition of love—caring about another's well-being more than our own—forgiveness eventually becomes instinctive. It is a transformational process that busts through barriers, lightens the load of shame and guilt, and ultimately delivers a better, more peaceful life.

Forgiving someone is not about that person, it's about you taking back your peace and power. God has called on us to forgive just as he forgave us. I believe that when you forgive it unlocks a door to a blessing that God has for you. Forgive but never forget. Forgive and let God do the rest. Time is what we want the most, but it's also what we use the worst. Imagine setting a schedule every day that points towards what you want and who you want to be. The time is there, but are you willing to take advantage of the time?

This week on A Pod Named Kickback, we ask one of the biggest questions in today's culture: Can people truly redeem themselves after making mistakes, or has cancel culture replaced forgiveness? From the Toast on Lenox controversy to celebrities accused of supporting MAGA, we debate whether apologies, growth, and changed behavior still matter—or if some actions deserve a lifetime boycott. We also dive into the viral trend of white people trying melanin shots, drinks, and supplements to get darker skin, and ask: is this appreciation, appropriation, or something else entirely?Plus, we break down Boosie's lawsuit over his alleged $600K pardon payment, the comments about Angel Reese that sparked backlash, and why Kamala Harris earns this week's Nipsey Hussle Award. As always, we wrap things up with Netflix & Chill and Eargasm to send you into the week right. ★ Support this podcast on Patreon ★

Only the Cross can make bitter waters pure again. In this message, Pastor Jasmine Weiler continues our Summer of Prayer series, walking through the Lord's Prayer and landing on one of its hardest lines: "Forgive us our debts, as we also have forgiven our debtors." Discover the four lies that keep us from forgiving, why forgiveness is about your relationship with God — not the person who hurt you — and how unforgiveness can quietly turn into bitterness if left unaddressed.

Discipline, as a virtue, is related to the other virtues. By controlling our urges or wants or lifestyle, we're actually in a better position to be courageous or just.