Podcasts about Golden ratio

In this jam-packed crushed-fresh stone-solid hour-busting episode we do a trifecta response to one most excellent email from Rebecca.  We discuss portfolios for FI-lanthropy, options and resources for making a transition from a 100% stock portfolio with tax and ACA subsidy issues, the drawbacks of bucketeering compared with the joys of asset swaps, and the socio-political overhang attached to gold and how that is evolving towards more rational uses of it by big time retail personal finance and others.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Fairfax CASA Donation Page:  Donate - Fairfax CASA Father McKenna Center Donation Page:  Donate - Father McKenna CenterWells 4 Wellness:  Wells 4 Wellness - Wells 4 WellnessYield & Spread/FI-lanthropy:  The FI-lanthropy Pledge | Yield & SpreadThe Portfolio Matrix Tool:  Portfolio Matrix – Portfolio ChartsOutline of Financial Advisor Best Practices:  Strategic Retirement Planning: A Summary of Best Practices from Tenon Financial - Google DocsHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapAfford Anything Risk Parity Portfolio Blueprint:  Afford Anything frank-vasquez-risk-parity-portfolio-BluePrint.pdf - Google DriveCatching Up to FI Gold Episode:  I Love Goooooold?! :) | Frank Vasquez | 184Interview of Bob Elliot on the Compound Podcast re Gold (start at 1:10):  The Blue Chips of Junk | TCAF 175Breathless Unedited AI-Bot Summary:You can do everything “right,” follow a simple index plan, retire early, and still wake up one day as an accidental 100% stock investor. That's what happened to Rebecca and Joe, early retirees in their mid-30s who needed fast cash for a home purchase and ended up selling bonds and leaning on a margin bridge. Now they're staring at a stock-only portfolio, big unrealized gains, and a real constraint most advice ignores: diversifying could blow up taxes and ACA health insurance subsidies.We walk through a risk parity mindset built for real life, not perfect spreadsheets. We use Portfolio Charts to compare diversified asset allocation models by safe withdrawal rate, volatility, Ulcer Index, and drawdowns, and we explain why portfolios like the Golden Ratio and Golden Butterfly can be surprisingly “philanthropy-friendly” if you want to spend and give consistently. Then we get practical: stop treating taxable and retirement accounts like separate buckets, rebalance the diversifiers inside retirement accounts first, and learn how an asset swap can fund spending while keeping your overall allocation on track.We also tackle the emotional side, especially gold. If gold feels like a doomsday signal, we unpack the uniquely American baggage behind that reaction, why ETFs changed everything, and how gold can function as plain old diversification alongside intermediate and long-term Treasury bonds and even managed futures. We close with our weekly sample portfolio reviews and June distribution updates so you can see the framework in motion.Subscribe, share the episode with a fellow DIY investor, and leave a rating or review so more early retirees can find a calmer way to diversify.Support the show

www.patreon.com/theconspiracypodcastThe FULL Pyramids Compilation (5 EPs in one)The show's 100th episode. What started as a milestone special turned into five full episodes, hours of debate, and one of the most spirited arguments in podcast history. Now it's all in one place.Eric, Sean, and Jorge dive headfirst into the greatest mystery in human history: Who built the Great Pyramids of Giza — and how the hell did they do it?Part 1 — The History: Before the conspiracies, lay the foundation. The Nile River, the Old Kingdom, the pharaohs, and a timeline that puts the Great Pyramid in perspective. It was built before coins, before paper, before the domestication of horses in Africa — and Cleopatra was closer in time to us than to the pyramids.Parts 2 & 3 — Sean's Episodes: Sean comes in swinging with 20 pages of things that don't add up. The Great Pyramid's near-perfect alignment with True North (off by 0.05 degrees — more precise than the Washington Monument). Pi and the Golden Ratio embedded in its dimensions. The Earth's own proportions mirrored in its geometry. Impossible 80-ton granite slabs. Sealed doors discovered by robots. Salt deposits in the Queen's Chamber. And the burning question: if it was just a tomb, where's the body?Part 4 — Eric's Episode: Eric fights back. He makes the case that mankind — skilled, organized, and wildly underestimated — built the pyramids with no alien assistance. He brings evidence: the workers' village, Machu Picchu, the Great Wall of China, the Hoover Dam. His thesis? Human ingenuity has always defied what seems impossible.The Update: Two weeks after Episode 100 aired, news broke of a massive underground complex discovered beneath Giza using satellite radar — interconnected chambers, spiraling shafts, and cylindrical voids stretching nearly two kilometers underground. We had to come back. Everything's on the table again.History, mystery, bad diagrams, and a few things we still can't explain. Buckle up.00:00:00 - Welcome & why we saved the pyramids for Episode 10000:07:00 - "Who built the pyramids and how did they do it?"00:11:00 - The Nile River: ancient Egypt's lifeline00:19:00 - The Step Pyramid & Pharaoh Djoser00:26:00 - Pharaoh Khufu and the Great Pyramid of Giza00:35:00 - Why did they stop building pyramids?00:38:00 - Cleopatra was closer to us than to the pyramids00:46:00 - Were the pyramid workers slaves?01:13:00 - The pyramid's alignment with True North01:25:00 - Over 1,000 pyramids exist around the world01:32:00 - 0.05 degrees off True North — more precise than the Washington Monument01:39:00 - Alignment with Orion and Sirius01:48:00 - Pi appears in the pyramid's dimensions01:55:00 - The Golden Ratio in the pyramid's proportions02:02:00 - The pyramid encodes Earth's exact proportions02:03:00 - The pyramid's coordinates match the speed of light02:11:00 - The King's Chamber: 80-ton granite ceiling slabs02:17:00 - The empty sarcophagus — no body, no explanation02:23:00 - Electromagnetic anomalies inside the King's Chamber03:09:00 - The Queen's Chamber: sealed doors discovered by robot03:25:00 - Tomb or energy generator?03:33:00 - Quartz in the granite walls generating electricity03:41:00 - Could sound and vibration have moved the stone blocks?04:07:00 - The Sphinx: water erosion theory and its true age04:14:00 - Hidden chamber beneath the Sphinx04:35:00 - Were the pyramids built by humans alone?04:55:00 - The Great Wall of China vs. the pyramids05:15:00 - The Coral Castle: one man, no machinery, 1,000 tons of coral05:35:00 - Lost technology: the real reason we can't explain the pyramids?05:56:00 - BREAKING: Underground structure discovered beneath Giza06:00:00 - Satellite radar reveals hidden chambers and spiraling voids06:08:00 - Ancient energy grid theory06:14:00 - "The most significant discovery at Giza in over 50 years"06:24:00 - Final verdicts from all three hosts

In this episode we answer emails from Michael, Jim, and Optimus Bill.  We start with a 67-year-old investor who is all-in on equities and cannot sleep, and how changing portfolio allocations can lead to better rest. We share a framework of "the three H's" for determining whether you are Hustling, Hoarding, or Harvesting your way through retirement, and how that may impact your well-being over time. We also dig into why people chase bond ladders and bucketeering.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Testfolio Analysis with Sleep-Better-At-Night Metrics:  Portfolio Backtester for ETFs and Asset Allocation | testfolioOptimus Bill's Bond Ladder Extravaganza Article:  Building a Bond Ladder with Individual Bonds and ETFsBen Carlson's Explanation As To Why Bond Ladders and Bond Funds are Functionally the Same:  Owning Individual Bonds vs. Owning a Bond Fund - A Wealth of Common SenseBreathless Unedited AI-Bot Summary:Your portfolio should not be a nightly stress test. We start with a listener who is 67, 100% in equity funds, and staring down retirement in the next one to three years while worrying about an extended downturn. From there we get practical about “sleep-at-night” portfolio design, comparing volatility, maximum drawdown, and even the Ulcer Index across common setups like an S&P 500 heavy approach, a Bogleheads-style three-fund portfolio, a classic 60 40 mix, and a risk parity style Golden Ratio portfolio.Then we zoom out to the bigger question of what money is actually for. I share a simple framework I call the three H's: hustling, hoarding, and harvesting. We talk through how each approach affects real life outcomes like relationships, experiences, buying back your time, and giving, and why a portfolio that supports harvesting can matter more than a portfolio that simply wins a return contest.We also tackle a timely question about bond ladder ETFs and why so many ladder, bucket, and time-segmentation products keep popping up. The blunt take: a lot of it solves a fear problem more than a finance problem, and the difference between ladders and bond funds is often smaller than people think. We close with our weekly review of the eight sample portfolios, covering stocks, treasury bonds, gold, commodities, managed futures, and more.If this helped you think more clearly about retirement investing and diversified asset allocation, subscribe, share the show with a friend, and leave a review so more DIY investors can find it.Support the show

In this deeply honest and inspiring conversation, Lucas Mack welcomes back Matthew Gauger of Greenhorn Grove for a second episode that goes far beyond gardening tips. Matthew shares his unlikely journey from nightclub promoter in Charlotte to homesteader and social media mentor, describing how a simple tomato from his first, very imperfect garden became a life-changing “AHA” moment that set him on a totally new path. Matthew opens up about building a 25-acre homestead in South Carolina, launching his charity Here We Grow, and his mission to grow thousands of pounds of food to feed the homeless, nursing homes, churches, and schools—often doing the physical work alone with just his dog for company. He also talks about partnering with the Better Together Coalition to help rebuild over 300 homes in Western North Carolina after devastating floods. The conversation then moves into a raw and vulnerable space as Matthew shares how divorce, the possible loss of his land, and six months without seeing his kids have tested his faith. Together, Lucas and Matthew explore darkness vs. light, the duality of this world vs. the oneness of God, and how nature, seeds, weeds, and even the golden ratio in creation reveal the fingerprints of a divine Artist. Along the way, they touch on Blue Zones, whole-food living, resilience, continual learning, and the spiritual lessons of homesteading. This episode is an invitation to see gardening and homesteading as a path to healing, faith, and personal freedom—and a reminder that even when life feels upside down, planting seeds (both in the ground and in the heart) can still lead to unexpected abundance. https://www.instagram.com/greenhorngrove Thank you for listening – if you're struggling to break free and need support – go to my website and www.lucasmack.com. There's you'll find resources like videos and eBooks and information on how to work with me for coaching.

Dr. Jon Kanevsky is a board-certified plastic surgeon and founder of Aura Aesthetica, known for his work in minimally invasive body contouring, fat transfer, breast explant surgery, and natural-looking aesthetic results. In this episode, he breaks down the science of beauty, attraction, facial symmetry, social media's impact on body image, looksmaxing, Botox, breast implants, fat grafting, red light therapy, collagen, and the psychology behind plastic surgery. He also shares why true attractiveness goes beyond physical appearance — including confidence, health, mindset, relationships, and what he calls “aura.”In our conversation we discuss:(0:00) Intro(1:20) What Really Makes Someone Attractive?(2:06) The Golden Ratio of Beauty(3:23) Why Perfect Symmetry Looks Strange(5:02) The Face Ratios That Shape Beauty(6:50) How Beauty Standards Changed Over Time(9:30) The Evolutionary Biology of Attraction(15:16) Why Scent Changes Who We're Attracted To(17:41) The Science of “Aura”(19:31) Why Imperfections Can Make You More Beautiful(22:30) How Social Media Warps Beauty Standards(31:57) Surgery, Confidence & Inner Work(35:24) The Truth About Looksmaxing(44:41) The Hidden Downsides of Plastic Surgery(47:08) Why He Stopped Doing Breast Implants(57:27) The Highest-ROI Ways to Look BetterLearn more about Dr. Jon Kanevsky here:Instagram: https://www.instagram.com/drjon.k/Aura Aesthetica: https://www.auraaesthetica.com/meet-dr-jonathan-kanevsky/Listen to this episode on Youtube:https://youtu.be/AehwA-uFZJo

In this episode we answer emails from Andrew, Geoff, and Frank.  We discuss connecting risk parity investing to a bigger question: how to build a drawdown portfolio you can hold while using money to live a full life. Along the way we share a Fairfax CASA story, dig into narrative psychology, and answer practical fund questions on modifying the sample Golden Ratio portfolio, large cap stock funds, managed futures, and what beta does and does not tell you. Links:Fairfax CASA Donation Page:  Donate - Fairfax CASAAndrew's Book:  Here I Walk: A Thousand Miles on Foot to Rome with Martin Luther: Wilson, Andrew L., Wilson, Sarah: 9781587433054: Amazon.com: BooksTestfolio Comparison of Sample Golden Ratio vs. FAV Mods vs. 60/40 vs. Three Fund Portfolio:  Portfolio Backtester for ETFs and Asset Allocation | testfolioTestfolio Comparison of Sample Golden Ratio vs. FAV Mods vs. 60/40 vs. Three Fund Portfolio (5% Withdrawals):  Portfolio Backtester for ETFs and Asset Allocation | testfolioRPR Episode 436 Summary Video:  RPR Episode 436 Illustrated: The Two Halves of Your Financial LifeBreathless AI-Bot Summary:The best portfolio on paper can still fail in real life if you can't stick with it when markets get weird. We take a listener-driven mailbag and use it to get practical about risk parity investing, retirement drawdown strategy, and the Golden Ratio portfolio idea as a set of principles rather than a rigid recipe you must copy.We also pause the market talk to highlight Fairfax CASA and share a powerful story about Christopher, a kid who endured years in the foster system before finally finding permanence through consistent advocacy and support. It's a reminder that “long-term” is not an abstract concept, it's something people live through, and steady commitment changes outcomes.From there we jump into what listeners are wrestling with right now: customizing a drawdown portfolio so you'll actually hold it. We talk about why personalizing an allocation can increase adherence, when cash is just drag, how international stocks and small cap value (including AVUV-style “best in class” options) can fit, and how to evaluate managed futures funds like DBMF versus alternatives such as CTA. We also answer the beta question directly: there's no ideal beta target here, because safe withdrawal rates are far more connected to maximum drawdowns and how long a portfolio stays underwater.If you get value from the show, subscribe, share it with a friend planning retirement, and leave a review on your favorite podcast app.Support the show

MERCH ALERT! Perfect gifts for TPS listeners...Delightful almond-scented soap that contains a full set of dice! You can get yours here: https://fantasy-scents.com/products/total-party-skill-dice-soap-dungeons-bubbles This week's segments: 1. Playing Evil Characters 2. Homebrewing "The Golden Ratio" 3. Draft of Best Druid Spells Support us on Patreon https://www.patreon.com/c/TotalPartySkill/home to get access to PDFs of our homebrew and see uncut video from the podcast! Plus, bonus content exclusive only to patrons! Subscribe for more weekly Dungeons & Dragons content! And follow us on our socials for previous draft videos and to learn more about us: Gabe -- @gabespan (TikTok, Instagram) George -- @dmgeorge_primavera (Instagram, TikTok) Dylan -- @whatcha_mccollum (Instagram)

In today's episode, Shelby and Laura break down what actually creates success in private practice and why it is not mystical or reserved for other people. Actual client creation is mathematical and built through repetition, volume, and consistent connecting and inviting. If you are showing up emotionally but not directly inviting people, the numbers will always reflect that.They walk through clear, real world ratios so you know what to expect, including the idea that 10 clean invites typically lead to 2 calls, and that 2 calls per week can steadily build a sustainable practice. The focus is on doing what works even when discomfort, fear, or self doubt is loud, and learning to measure progress by right action rather than immediate results.They also talk about nervous system regulation, community support, and why most nurse coaches do not succeed alone. This episode is an encouraging and grounding reminder that success comes from learning the skills, staying neutral, and continuing to connect and invite, even during the lulls.Connect with us:Instagram: @successfulnursecoachesWebsite: www.thesuccessfulnursecoaches.comJoin our Facebook Group: https://www.facebook.com/groups/thesuccessfulnursecoachTune in to our full episode on YouTube: https://youtu.be/8VW0BrUlNKwMentioned in this episode:Cohort 7https://www.nurselifecoachacademy.com/

In this episode we answer questions from Dustin, Optimus Bill and Scott.  We discuss the common mistake of chasing tickers and low fees instead of building a portfolio around goals and carefully chosen asset classes, cowbell origins, what to do with large allocations to cash equivalents and how much do you really need, and transitioning to a retirement portfolio.  Hint:  Search "transitioning" on the podcast page at the website for more podcasts about that.We also review March market damage and show how diversified risk parity style portfolios hold up when stocks stumble.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Links:Fairfax CASA Donation Page:  Donate - Fairfax CASAHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapBreathless Unedited AI-Bot Summary:Zero-fee funds, shiny tickers, and “close enough” substitutions can feel like smart investing, right up until you realize they're steering your entire asset allocation. We dig into listener questions that expose a common trap: building a portfolio around a fund you like instead of designing a plan around your goals, your time horizon, and the asset classes that actually do the work.We break down Fidelity Zero funds through a practical lens: mutual fund vs ETF structure, tax efficiency, portability across brokerages, and how to confirm what you're buying with tools like the Morningstar style box. We also talk plainly about expense ratios in a world where most fees are already low, and why rebalancing, diversification, and holding the intended exposures matter more than shaving a few basis points.Then we tackle a deceptively simple question about gold. GLTR holds multiple precious metals, but gold has a unique role as a central-bank reserve asset that behaves differently from silver, platinum, and palladium. If your portfolio needs gold as an alternative currency style diversifier, you want a gold ETF, not a basket that “kind of” looks similar.We also cover asset location and the asset swap idea for cash equivalents, how much to keep in checking for real-life spending, and when it makes sense to shift from an all-stock accumulation portfolio toward Golden Ratio or Golden Butterfly as you approach your financial independence number. Finally, we run through March performance across major assets and our sample portfolios, including a clear reminder about what leverage can do in rough markets.If you found this helpful, subscribe, share it with a DIY investor friend, and leave a quick review so more people can find the show.Support the show

DSCR loan denied? It probably wasn't your credit score. It was the Breakeven Lie — and it's killing deals every single week.As a mortgage broker who has closed hundreds of DSCR loans, I watch investors fall for this trap constantly. They run the napkin math, the numbers look fine at 1.0 DSCR, and then a week before closing, the deal dies. Appraisal done. Inspection done. Money spent. And the deal is gone.Here's the truth nobody is telling you: a 1.0 DSCR ratio is an automatic fail in my book. It means your property barely breaks even — and lenders know it. The real target is 1.25 or higher. That's the Golden Ratio. That's the number that gets deals done, generates real cash flow, and builds a portfolio that actually lasts.In this episode, I break down exactly how lenders calculate DSCR — not the way most investors think, but the way underwriters actually run it. If you're using DSCR loans to build your real estate portfolio, this is the episode you can't afford to skip.

423. Fake Time by The Golden Ratio

BONUS: Why 98% of Innovation Fails Before It Reaches a Single Customer Lorraine Marchand has spent three decades helping organizations innovate in environments where failure carries real consequences. In this episode, she shares the frameworks, stories, and hard-won lessons from her time at IBM Watson Health and beyond — starting with the summer her father handed her a stopwatch and a problem to solve at a diner. The Sugar Cube That Started It All "At the age of 12, I learned that problem solving was fun. It was really safe to experiment, and it turned out to be lucrative, because we earned some revenue and royalties from our sugar cube."   Lorraine's innovation journey began with her father — a serial inventor who challenged his kids to identify and solve real problems. One summer, he took Lorraine and her brother to the Hot Shops Cafeteria in the Baltimore-Washington area with stopwatches, graph paper, and 3-color pens. Their assignment: figure out what was slowing down table turnover. After three days of observation and interviews with waitresses, busboys, and the manager, they discovered that sugar packets were the culprit — granules spilling over the table and floor during cleanup. Their solution, the Sugar Cube, was prototyped, sold to the manager, and eventually adopted across the chain — which later became the Marriott Corporation. The lesson stuck: innovation starts with observing problems close to the core, not chasing abstract ideas in a vacuum. Inside IBM Watson Health: Customer Co-Creation Over Engineering Brilliance "We have fallen in love with our solution. And we have not done our true problem-solving dissection and customer research to make sure that we're solving a problem that a customer wants to pay us to solve."   At IBM Watson Health, Lorraine worked with 250 world-class engineers building solutions for the biggest names in life sciences — Johnson & Johnson, Pfizer, Sanofi, Medtronic. The process started with "garage sessions" where the team would tackle problems directly with a reference customer. But a recurring tension emerged: engineering would want to take what they learned from one customer, disappear into a room, build the perfect solution, and then hand it to marketing to sell. Lorraine had to repeatedly pull them back. A reference customer is an N of 1 — solving their problem doesn't guarantee a marketplace need. The discipline was to keep the customer in lockstep at every stage and continuously open the aperture, bringing in more customers and more feedback to validate that the solution would work at scale. The Innovation Mindset: Four Components That Matter "Thinking outside of the box means that you step outside of your box and you step into someone else's box."   Lorraine identifies four components of the innovation mindset: problem solving, insatiable curiosity, embracing change, and welcoming diversity. The diversity piece is where most teams fall short. Homogenous groups become echo chambers — smart engineers designing from a technology perspective rather than a customer use perspective. The most innovative organizations Lorraine has worked with embrace cross-functional, multidisciplinary teams where engineering, marketing, and customer experience all have a seat at the table. No idea is a bad idea at the brainstorming stage — the down-selection comes later through structured evaluation. The Golden Ratio: Why 10% Drives 70% of Future Growth "Five years later, 70% of your growth will come from that 10% that you invested in innovation. So there's an inverse correlation to where you're investing and where that growth is going to come in the future."   Lorraine points to the Golden Ratio framework popularized by Sergey Brin at Google: invest 70% in core business, 20% in adjacencies and new markets, and 10% in net new, transformative ideas that might not work out. The data across companies over the last 15 years consistently shows that the 10% bet on innovation generates the majority of future growth. Companies that invest 100% in core and a little in adjacency stay stuck in single-digit growth. Making innovation a strategic imperative — with dedicated budget and dedicated talent — is what separates companies that break out from those that stagnate. Experimentation Done Right: Problem Statement First, Prototype Fast "You have to have a really solid problem statement. It has to be clear, measurable, significant, and actionable."   Good experimentation follows the scientific method. It starts with problem deconstruction — using first principles, the series of whys, or reframing to break down the problem until the statement is sharp enough to act on. From there, brainstorm solutions, down-select to the most promising one based on customer input, and build a minimal viable product. Lorraine emphasizes minimal — test the smallest feature possible, get it in front of customers quickly, capture the feedback, and loop it back into the next iteration. The continuous loop of learning is where real progress happens. The Watson Health Pivot: When the Customer Changes Everything "Even for me, it wasn't until we got this in the customer's hands and we were able to see how it was going to function in real life that we had the aha moment."   At IBM Watson Health, Lorraine's team was developing an algorithm for a large medical device company working on pain intervention. The software used a patient's mobile phone to detect mobility issues — how quickly they got up from a chair, how easily they opened a jar — and determine when to deliver pain relief through the device. The engineering was elegant, the reference customer loved it. But when they put the solution in the hands of actual physicians and patients in their homes, they discovered they were off track in how the tool would function in real life. The pivot was dramatic: instead of the medical device company, they partnered with a pharmaceutical company that used the algorithm to guide patients on when to take pain-related medication. The entire end customer changed — because they did the work of testing with real users. Reframing Failure as Learning "If failure's in your operating system, you're not going to try these experiments, and you're not going to be willing to get it wrong."   Lorraine's book No Fear, No Failure examines the strategic failure that holds companies back from innovating. One of the five C's in her framework is chance — the willingness to take calculated risks. The key is reframing experiments from "did we get it right or wrong?" to "what can we learn?" When teams set learning objectives for each experiment — what can I learn about this tool, about the customer, about how this works in practice — they remove the fear that prevents action and replace it with a process that compounds knowledge over time.   About Lorraine Marchand   Lorraine Marchand helps senior leaders innovate in high-cost-of-failure environments. An award-winning author, keynote speaker, and innovation advisor, she brings 30+ years of experience, including work at IBM Watson Health. Her book, No Fear, No Failure, offers practical frameworks for learning and growth without undue risk.   You can link with Lorraine Marchand on LinkedIn and find more of her work at LorraineMarchand.com.

In this powerful Business Mastery conversation, Tony Robbins sits down with Anastasia Soare — founder of Anastasia Beverly Hills — to break down what it really takes to build a billion-dollar brand from nothing. Anastasia escaped Communist Romania in 1989 with no money, no English, and a three-year-old daughter. She arrived in Los Angeles at 31, started her business at 40, and went on to build Anastasia Beverly Hills into a $3 billion global company while creating an entirely new category in the beauty industry.  In Part 2 of this conversation, Tony and Anastasia go deeper into the mindset behind that success — the 12 years she spent traveling to Nordstrom stores every weekend to prove her concept, the Golden Ratio technique that revolutionized eyebrow shaping, and the relentless commitment to quality that allowed her brand to stand out in a crowded market.  They also discuss how to survive market shifts, adapt during crises like COVID, compete when others copy your success, and why the problems you face as an entrepreneur are often proof that you're growing.  The episode concludes with a powerful live Q&A where Tony is joined by both Anastasia and Spartan founder Joe De Sena. Together they answer raw questions about grit, leadership, raising resilient children, and staying hungry even after you've achieved success.  This isn't just a beauty story. It's an immigrant story. It's a story about starting late — and refusing to quit. As Anastasia says: "If you believe in your product, don't you ever give up."  If you've ever thought, it's too late to build something extraordinary — this conversation will change your mind. Want to experience transformational growth for your own business? Join Business Mastery, happening virtually and in person from August 12–16, 2026, to learn directly from Tony Robbins and world-class faculty.  Secure your spot to Business Mastery here: https://tonyr.co/4cB5IkU 

This episode features Golden Ratio frequencies for late winter renewal. As the vernal equinox approaches, these phi-based harmonic tones support emotional clarity, nervous system ease, and energetic alignment. An irrational tribute to Pi Day, honoring the mathematics of infinite becoming. Best used during the transition from winter to spring, or when your body needs coherent support to persevere.Send a textSupport the show

This episode features Golden Ratio frequencies for late winter renewal. As the vernal equinox approaches, these phi-based harmonic tones support emotional clarity, nervous system ease, and energetic alignment. An irrational tribute to Pi Day, honoring the mathematics of infinite becoming. Best used during the transition from winter to spring, or when your body needs coherent support to persevere.Send a textSupport the show

In this episode we answer emails from TJ, John and Optimus Bill.  We discuss TJ's modified Golden Ratio portfolio and backtests, maximizing withdrawals with flexibility, ZROZ vs. TLT simulated leverage, gambling problems, intermediate accumulation to pay down a mortgage, and assorted allocations questions about mid-caps and other funds.We also talk about our Fairfax CASA fundraiser in our Queen Mary segment and a recent Catching Up to FI presentation at the end.Links:Links:Fairfax CASA Donation Page:  Donate - Fairfax CASATJ's Portfolio:  testfol.io/?s=gJEgezdqVdyPortfolio Charts Risk Parity style Accumulation Article:  Minimize Your Miss – Portfolio ChartsRisk Parity Chronicles ZROZ vs. TLT Analysis:  Bond Allocation Sizing - Google SheetsRisk Parity Chronicles KBWP Article:  The Search for a Low-Beta Equity Unicorn - by JustinCatching Up to FI Presentation:  Catching Up To FI Illinois/Wisconsin Meeting Presentation - YouTubeCatching Up to FI Presentation Slides:  The_Risk_Parity_Mission for Catching Up To FI.pdf - Google DriveCatching Up to FI Presentation Summary Video:  Catching Up To FI Risk Parity Portfolios Meeting and Presentation.mp4 - Google DriveBreathless Unedited AI-Bot Summary:A listener writes from overseas with a situation that strips retirement down to the essentials: no pension, no Social Security “backup plan,” and a real need to get the portfolio right. We walk through his modified Golden Ratio style allocation using growth and value funds, small-cap value tilts, long-duration Treasury strips, gold, and alternatives like DBMF, then talk about what matters more than a pretty spreadsheet: whether you can live with the drawdowns and keep the plan steady for decades.From there we get practical about retirement withdrawals and the assumptions hiding underneath them. We explain why a 5.5% withdrawal rate can be realistic when you pair it with flexible rules like a floor and ceiling approach, and why “inflation” is not one number that applies to everyone. If you're living abroad, spending in another currency, or even willing to relocate, your personal inflation experience can diverge from CPI, which changes how you should think about risk, resilience, and what flexibility is worth.We also tackle the investor temptations that never seem to go away: debating ZROZ versus TLT, obsessing over duration ratios, and tinkering with allocations when the market gets loud. We share a simple constraint that helps many DIY investors stay sane: build a small sandbox for experiments so your core portfolio stays intact. We finish with an intermediate accumulation question about investing toward a future mortgage payoff, plus a clear framework for why splitting short and long Treasurys can be useful, and why international diversification often shows up as currency exposure in modern markets. Subscribe, share this with a friend who's rebuilding their portfolio, and leave a review with the withdrawal rate question you're trying to answer.Support the show

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421. Introducing Cuba Libre

In partnership with Club Oenologique - the world through the lens of wine and spirits. David chats to chemist-turned-Master-Distiller, John Hall, at Cornwall's Trevethan Distillery, an IWSC trophy winner, about his new creation, ‘Aureus Vita', a premium London Dry Gin based on a sequence of numbers leading to ‘the golden ratio'.  Learn more about your ad choices. Visit megaphone.fm/adchoices

420. Guaceaux by The Golden Ratio

We've got travel on our brains this week as we've just returned from Barcelona where we celebrated the 10-year-anniversary of Paradiso, our featured bar and book in this episode, while our interview takes us to Buenos Aires, the next stop on our itinerary, where we'll be joining in the fun with the team at Tres Monos for the fourth Gran Corso de los Monos. We're joined by co-founder Charly Aguinsky who tells us about the bar, its work in the community and what they have in store for Latin America's carnival weekend.Our featured products take us on journeys of a different kind – taste. We have two very special gins, one shaped entirely by the Golden Ratio and produced just once a year, the ultra premium Aureus Vita, the other is Seatrus Gin, which promises flavours of the Mediterranean sea. For more from The Cocktail Lovers, visit thecocktaillovers.comFor the products featured in this episode, see websites below:What we're drinking:Between The Sheets25ml cognac25ml light rum25ml triple sec10ml freshly squeezed lemon juice Orange peel to garnishMethod:Chill Martini glasses in freezer. Shake all ingredients over ice. Pour into the chilled cocktail glass and garnish with an orange twist.Aureus Vita Fibonacci GinParadiso 10 Year Anniversary BookParadiso BarcelonaSeatrus GinTres Monos BarThe Cocktail Lovers theme music is by Travis 'T-Bone' WatsonEdited by Christian Fox Hosted on Acast. See acast.com/privacy for more information.

What if the mathematics of nature itself could recalibrate your nervous system and unlock your body's deepest healing potential?Dr. Katie sits down with Banah Winn, creator of the Golden Ratio Frequency, to explore how sound based on the same pattern found in DNA, breath, and spiral galaxies can create profound shifts in your body and mind. Banah shares his journey from meditation and energy healing in Sedona's vortexes to discovering a frequency formula that's helped millions find coherence in a chaotic world.Chapters:04:02 - Healing inherited trauma in the body06:27 - Golden ratio as nature's baseline12:51 - Two frequencies that can disrupt cancer cells13:30 - Instant vagus nerve activation in meditation14:39 - Why fasting makes the frequencies hit harder16:30 - What fasters report when they use it daily20:00 - The 10 minutes a day rule29:11 - Why group singing amplifies healing33:22 - The hundred monkey effect and non-local consciousness35:00 - Stay coherent after the event, no crash back to baselineYou'll discover why most sound healing approaches fall short, how these specific frequencies work differently than traditional meditation music, and what happens when you combine them with practices like fasting or deep introspection. If you've been feeling scattered, overwhelmed, or stuck in patterns you can't seem to break this a must listen.Press play and learn the science behind why these frequencies feel so clean and pure, and how collective resonance can shift not just individual healing but our shared consciousness.Listening to the Golden Ratio Frequency: https://fun.banahwinn.com/golden Connect with Guest: https://www.youtube.com/@BanahwinnAccess the FREE Water Fasting Masterclass Now: https://www.katiedeming.com/the-healing-power-of-fasting/ Transform your hydration with the system that delivers filtered, mineralized, and structured water all in one. Spring Aqua System: https://springaqua.info/drkatieDownload the FREE Healing Tools Guide: https://bit.ly/drkatie-giftguide MORE FROM KATIE DEMING M.D. Work with Dr. Katie: www.katiedeming.com 6 Pillars of Healing Cancer Workshop Series - Click Here to Enroll Follow Dr. Katie Deming on Instagram: https://www.instagram.com/katiedemingmd/ Email: INFO@KATIEDEMING.COM Please Support the Show Share this episode with friends & family Give a Review on Spotify Give a Review on Apple Podcast Watch on Youtube: https://youtube.com/playlist?list=PL5LplU70TE9i01tW_7Tozi8b6X6rGBKA2&si=ZXLy5PjM7daD6AV5 DISCLAIMER: The Born to Heal Podcast is intended for informational purposes only and is not a substitute for seeking professional medical advice, diagnosis, or treatment. Individual medical histories are unique; therefore, this episode should not ...

419. Casserole by The Golden Ratio

In this episode we answer questions from Ben, Todd, and Tom. We discuss how managed futures differ from momentum, differentiating Monte Carlo simulations and why you need to be careful with parameterized simulations, and flexible withdrawal strategies generally and applied to the sample portfolios.LInks:QMOM and DBMF comparison and correlations:  testfol.io/analysis?s=5lCK1KCsAsxMorningstar 2025 State of Retirement Income Report:  Morningstar State_of_Retirement_Income_2025.pdf - Google DrivePortfolio Charts Annual Returns Calculator:  Annual Returns – Portfolio ChartsBreathless Unedited AI-Bot Summary:Ever wondered why a momentum stock fund and a managed futures fund can look similar on the surface yet behave like opposites when markets lurch? We dig into the real differences between equity momentum strategies like QMOM and multi-asset trend programs like DBMF, explaining how managed futures trade across stocks, bonds, commodities, and currencies with the ability to go long and short. That breadth—and the discipline to follow trends over weeks to a year—creates low correlation to traditional portfolios and turns macro chaos into potential opportunity.From there, we tackle the Monte Carlo confusion that trips up even seasoned planners. We compare historical shuffles that preserve real-world co-movements with parameterized simulations that assume normal distributions and independence—two assumptions markets love to break. You'll hear why fat tails matter, how “impossible” scenarios sneak into naïve models, and where to find usable inputs without double-counting inflation. We also share a simple framework: use multiple calculators, add historical stress tests starting in rough windows like 1968 or 2000, and look for consistent results across tools before you trust any forecast.Finally, we turn to retirement withdrawals and the habits that actually hold up. Instead of rigid CPI bumps, we walk through constant-percentage withdrawals, guardrails, and the reality that retiree spending tends to run at CPI minus 1–2 percent outside healthcare. We highlight how flexible rules can raise sustainable withdrawal rates and why resilient portfolio design—think Golden Butterfly or Golden Ratio—can outperform a classic 60/40 under severe sequences. If you're ready to upgrade your plan with better diversification, better testing, and smarter spending rules, you'll leave with practical steps you can apply today.Enjoyed the conversation? Subscribe, leave a review, and share this episode with a friend who's serious about building a portfolio that survives bad markets. What testing change will you make this week?Support the show

In this episode we answer emails from Sebastian, Mark, and James.  We discuss the purpose of treasury bond allocations, annuity cash flows, and where rentals fit, goofy accounting for taxes, a bridge to social security and answer questions about Testfolio and data sources.  And celebrate Catherine O'hara.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterImmediate Annuities:  Immediate Annuities - Income Annuity Quote Calculator - ImmediateAnnuities.comPortfolio Charts Data Sources Page:  Data Sources – Portfolio ChartsBreathless Unedited AI-Bot SummaryMarkets threw a curveball this week: gold ripped, then slipped; small cap value popped; long bonds mostly yawned. We use the noise as a lesson in clarity—every asset in a risk parity mix has a job. Treasuries aren't for yield; they're for recession insurance and rebalancing power when stocks sag. Gold, managed futures, and value are there to diversify return drivers so you're not betting your future on a single story.We dig into a listener's Golden Ratio allocation with annuitized payouts and single-family rentals. The key is classification. Treat rentals as income if you're keeping them, or as a future lump sum if you plan to sell—but don't try to count both the cash flow and the equity for rebalancing. We also tackle the “can I replace treasuries with X?” question, and explain why the only valid substitute must reliably rise when recessions hit. If it won't go up when growth falls, it isn't doing the bond job.From there, we clean up two planning snags that trip up even seasoned DIY investors. First, the tax myth: don't “tax-adjust” asset values across accounts. Taxes are expenses, not asset haircuts. Optimize location, model annual tax liabilities, and keep the allocation true on the asset side. Second, Social Security modeling: the most practical move is to add it as an inflation-indexed future cash flow in a robust planner. If you need a present value for net worth, price a comparable inflation-adjusted deferred annuity instead of guessing with discount rates. For bridging years before benefits start, a TIPS ladder can unlock higher, earlier spending without warping your core portfolio.We wrap with a clear performance snapshot and withdrawals across eight sample portfolios, from the classic Golden Butterfly and Golden Ratio to levered experiments and a return-stacked build. The thread through it all is discipline: know each asset's purpose, keep cash intentional, rebalance when markets hand you spread, and let validated data—not hunches—drive decisions.Support the show

In this episode of the Red Eye Report, Ashtray, Oracle, Mystic, and Teddy dive deep into the mathematical blueprint of reality: Sacred Geometry. We explore how ancient civilizations used geometric patterns to build monuments and how these same shapes appear in everything from honeycombs to human DNA. The crew breaks down the significance of the Platonic Solids, the mystery of the Golden Ratio, and why the Flower of Life is considered the visual expression of the connections between all living things. Beyond the math, we discuss the spiritual implications of these patterns and whether they prove the universe was designed by a higher intelligence or if humans are just really good at seeing shapes in the clouds.

418. Schnitzel by The Golden Ratio

In this episode we answer emails from Bee, Brian, and Derek.  We discuss shifting from pure equities toward a Golden Ratio allocation at 60% of the way to financial independence, using 401(k) BrokerageLink to add small cap value, and replacing monthly performance screenshots with better backtesting tools. Along the way, we talk donor-advised funds, advisor incentives, and why most financial advisory practices run on fear because its the most profitable business model.Links:Portfolio Charts Article:  Minimize Your Miss – Portfolio ChartsSonia Parker on Crystal Balls:  Crystal ball gazing, how to use a Crystal Ball ~ How to Scry with a Crystal Ball ~ by Sonia ParkerJim Sandidge Chaos Paper:  RMJ081-ChaosAndRetirementSecurity.pdfBreathless Unedited AI-Bot Summary:Tired of being told to fear the market, fear retirement, and fear doing it yourself? We dig into three real listener scenarios to show how clarity, incentives, and modern tools beat sales scripts every time. First, we sit with a 41-year-old investor who's 60% to a FIRE number and wrestling with whether to add risk-parity elements now or stick with 100% equities a bit longer. We break down how a gradual shift toward a Golden Ratio–style mix can reduce volatility without forcing a hard “all-at-once” pivot, and why matching your allocation to your timeline, taxes, and temperament matters more than waxing theoretical about the perfect moment.Next, we explore the power of Fidelity's BrokerageLink and the case for a structural small cap value tilt. If costs are minimal, opening the 401(k) architecture unlocks better ETFs and truer diversification. A large growth and small value balance can set you up for meaningful rebalancing, while keeping income-heavy assets in tax-advantaged accounts avoids unnecessary drag. We also spotlight donor-advised funds as a practical way to give appreciated shares, lower taxes, and simplify charitable plans—especially helpful during high-income years or advisor breakups.Finally, we question the industry's incentive structure and the fear-based marketing behind complex portfolios, annuity pitches, and “risk profiles” designed to sell products. Instead of monthly performance screenshots that can mislead when withdrawal rates vary, we point you to TestFolio and Portfolio Visualizer to run clean, apples-to-apples comparisons. Five years of live results won't settle lifetime decisions; full cycles and solid process will. If you want a portfolio that's low-cost, transparent, and built to last—without crystal balls or steak-dinner seminars—this conversation lays out the path. If this helped you think clearer about your allocation, subscribe, leave a review, and share it with a friend who's ready to keep more of their own returns.Support the show

In this episode we conduct our annual portfolio reviews of our eight sample portfolios you can find at Portfolios | Risk Parity Radio, and compare them with commercial alternatives.  We discuss why factors beat geography, and explain how gold, bonds, and managed futures improved results and withdrawal durability.We also confront the real roadblock to a good retirement: underspending driven by identity and fear, which we heard about in 2025 from Bill Bengen, Michael Kitces and Carl Richards, Morgan Housel and David Bach, among others.Breathless Unedited AI-Bot Summary:The biggest retirement risk most prepared savers face isn't market volatility—it's not spending enough. We dig into why identity and fear keep people stuck in “I am a saver” mode, and how to break that habit with a portfolio built for higher, safer withdrawals. Then we open the books on eight sample portfolios and share what actually worked in 2025: factor-driven international exposure, a powerful year for gold, the yield curve's shift favoring intermediate bonds, and a split decision for managed futures where DBMF led.You'll hear how the Golden Butterfly and Golden Ratio outperformed classic 60/40 approaches by leaning on uncorrelated return drivers, and why DIY risk parity designs can match or beat commercial funds at lower cost. We walk through the conservative All Seasons mix, the diversified Risk Parity Ultimate, and two leverage case studies: one that shows how leverage without real diversification can disappoint, and another that demonstrates smart “return stacking” with OPTRA—combining modest leverage, gold, value tilts, and managed futures for equity-like returns with a steadier ride.Along the way, we connect portfolio choices to what matters most: turning savings into a life well-lived over the next decade. A candid listener story reminds us that time is finite, and that a better withdrawal rate is not a luxury—it's a plan for joy, relationships, and experiences now. If you've wondered whether your mix underuses factors, overlooks gold, or over-relies on 60/40 assumptions, this is your field guide to a sturdier, more generous retirement strategy.If this resonates, tap follow, share it with a friend who needs a nudge to spend confidently, and leave a quick review with your biggest portfolio question. Your next ten years will thank you.Support the show

In this episode we answer emails from JT, Phil, and Glenn.  We revel in the updates to the TestFolio tools, weigh how tilting toward small cap value can lift safe withdrawal rates but also reduces overall diversification, return to KBWP and how property and casualty insurance companies can provide value-tilted diversification, and discuss the tracking results reported on the About page at the website.Links:Testfolio 5% Withdrawal Backtest Comparison:  testfol.io/?s=74fuq6N5WWdTestfolio Comparison of SCV, LCG, LCV and SCG:  testfol.io/?s=4eqimbZveGXWeird Portfolio:  Weird Portfolio – Portfolio ChartsTestfolio KWBP and BRK-B Analysis:  testfol.io/analysis?s=l34pkinSxdeFund Seeder Tracker Site:  FundSeeder - Empowering Top Traders with Capital and InsightsBreathless Unedited AI-Bot Summary:Ready to push past rules of thumb and actually pressure-test a retirement portfolio? We dig into how far a DIY investor can tilt toward small cap value to raise a safe withdrawal rate, what history really shows across 30- and 50-year windows, and why correlation—not bravado—decides whether you can keep spending through ugly markets. Using new Testfolio features with 100-year factor data, we compare the Golden Ratio and Golden Butterfly against more value-heavy mixes and pinpoint where the extra “cowbell” helps and where it just adds stress.We also open a less-traveled door inside equities: property and casualty insurers. Whether you own them through KBWP or direct index the top names, this sleeve has delivered rare intra-equity diversification, often keeping pace with broad markets while zigging in years like 2022. We share the practical trade-offs—expense ratios vs. tracking error, simplicity vs. tax loss harvesting—and explain when the ETF is the smarter, lower-hassle choice. If you already own Berkshire Hathaway for your value core, you'll hear why insurers can complement or substitute without bloating overlap.Context matters, so we pull back the curtain on our publicly tracked taxable account and why it can look extreme in a bad year and strong in a good one. The whole-portfolio view is far steadier, closer to a risk parity blend of stocks, long treasuries, and diversifiers like gold and managed futures. The takeaway: if you want a withdrawal rate you can live with, build for multiple regimes—blend small cap value and large cap growth, keep long bonds for deflation shocks, and add real diversifiers that cut correlation when you need it most. Subscribe, share this with a DIY investor who loves data, and leave a review to tell us where you'd tilt next.Support the show

In this episode we answer emails from Anonymous from New Jersey, James, and Brad.  We answer a donor's six-part retirement plan, from mortgages and liquidity to 403(b) constraints, ETF trading, asset location, asset swaps, and tax‑savvy withdrawals. Then we discuss the risks of staying in an accumulation portfolio for too long and the options for obviating a crash before transitioning. And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapTax Planning Book:  Amazon.com: Tax Planning To and Through Early Retirement: 9798999841599: Garrett, Cody, Mullaney, Sean: BooksBreathless AI-Bot Summary:Ever wonder whether paying down a mortgage before retirement is actually the safest move? We make the counterintuitive case for liquidity first: keep cash flexible during the messy early retirement years, when housing changes, college timelines, and new expenses collide. With a real listener case study, we show how a mortgage can be a tool, not a trap—and why you can always accelerate later once the dust settles.From there we dig into a pain point for many educators and nonprofit pros: weak 403(b) lineups. We break down why insurance-driven menus lag, how to advocate for better providers and funds, and when it makes sense to roll to an IRA for full control. You'll also learn how to keep tracking simple, why monthly check‑ins beat daily dashboards, and how consolidating at a service‑oriented custodian streamlines everything. On execution, we explain why ETFs beat mutual funds for rebalancing speed and precision, plus how to convert Vanguard mutual funds to ETFs without tax surprises.Taxes and withdrawals get the spotlight too. We clarify asset location—shelter ordinary income, let capital appreciation work in brokerage and Roth—and outline “asset swaps” that let you sell what's up while managing tax impact. For those still accumulating, we talk strategy for a smoother glide into a risk parity portfolio to reduce sequence risk, and the trade-offs between earlier protection and maximum growth. We wrap with a market scoreboard across stocks, bonds, gold, REITs, commodities, preferreds, and managed futures, and report on sample portfolios including Golden Butterfly, Golden Ratio, Ultimate, and leveraged variants.If you value actionable, no-nonsense guidance for DIY investors, you'll find ideas you can use right away—whether you're five years from retirement or still building your base. Subscribe, leave a review, and share this with a friend who's wrestling with 403(b) choices or planning a tax-smart withdrawal strategy.Support the show

何謂「黃金比例」(Golden Ratio) 1.618？

412. π X thumb by The Golden Ratio

This week, Robert unravels spirals of obsession like a man who's seen too much, while Ira tries to remember how to add without using his phone. Join Robert and Ira as they discuss Pi and share their top 5 micro-budget movies. Listen for free through iTunes, Stitcher, Spotify, iHeart Radio, or Google Podcast Music. So, if you've ever wondered what it would be like to be a compulsive Jew and you're obsessed with patterns and mathematics and nature and a cute Latina neighbor tries to be your friend and you befriend an Hasidic Jew who talks about the Talmud and you see how everything in the world even the stock market is in the form of a Golden Ratio, Golden Triangle, Golden Rectangle and ultimately a Golden Spiral, and another Jew tries to talk you out of what you're doing, and a mysterious woman gives you a chip for your computer, but you trip out on drugs and try to pull a chip out of your head and you collapse and your cute Latina neighbor comes to your aid and you hit your head and you watch a bug and you go back to the old Jew and confront him, and that mysterious woman and her henchmen chase you and want what's in your head, and the Hasidic Jew saves you and wants what's in your head, and a group of orthodox rabbis want the number in your head, and the old Jew has a stroke and you smash your computer and burn a bunch of numbers and take a drill to your head, then this podcast is for you!

411. AC/DC by The Golden Ratio

What does it take to become one of the most successful, self-made women in the world? In this powerful episode, Anastasia Soare — founder of Anastasia Beverly Hills — shares the untold story of her rise from esthetician to eyebrow mogul. You'll learn how she pioneered the Golden Ratio for brow shaping, overcame countless rejections, and created a global cosmetics empire that's inspired millions. Anastasia Soare is the founder, CEO, and driving force behind Anastasia Beverly Hills—one of the fastest-growing brands in the beauty industry—and author of the new book Raising Brows. Often called the "Queen of Eyebrows," she's built an iconic global empire from scratch and helped reshape the beauty standards for generations. Her products and techniques are trusted by Oprah, Kim Kardashian, Michelle Obama, and millions more. WHAT'S COVERED IN THIS EPISODE: 00:00 – How Anastasia Escaped Communism With Nothing 08:57 – The One Choice That Changed Her Entire Life 11:43 – Finding Comfort in the Queen of Daytime TV 17:51 – How Eyebrows Turned Into a Billion-Dollar Idea 24:03 – Why Mastery Beats Hype (Even In The Age of AI) 26:53 – The Oprah Moment! 32:59 – The Billionaire Work Ethic You Won't See on Instagram 35:45 – Anastasia's Message to Every Woman Who Feels "Too Late" Thanks for listening! New episodes drop every Tuesday. Make sure you hit the follow button to get notified.

409. Scheibenwischerwaschfluessigkeitsanzeigenlampe by The Golden Ratio

In this episode we answer emails from Luc and Nick.  We discuss the four levels of investors, the fundamental problems with identity that terms like "saver" and "Boglehead" cause per Morgan Housel, fallacious reasoning often applied to investing and portfolio construction, equity core with growth–value balance and small-cap value tilt, VTI vs VUG trade-offs and tax considerations, tax efficient asset location for bonds, equities, gold, considerations about alternatives like managed futures, and using risk parity portfolios for intermediate term savings during your accumulation phase.Links:Luc's Boglehead Forum Link:  Golden Ratio Portfolio - Frank Vasquez - Bogleheads.orgMindy Jensen's Risk Parity Style Portfolio:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)Breathless Unedited AI-Bot Summary:Want a portfolio that funds your life, not your identity? We dig into the fuss around the “Golden Ratio” name and get to what actually matters: principles that increase safe withdrawal rates and reduce stress when markets turn weird. Instead of defending a formula, we show how to use uncorrelated assets, thoughtful macro-allocation, and enough simplicity to keep you invested without blinding you to risk.We break down four investor levels—from money hygiene and shiny-object traps to the comfort of low-cost indexing—and then the jump to level four, where professional-grade ideas get translated for DIY investors. That's where uncorrelated assets like Treasuries, gold, and managed futures earn their keep, not because they're trendy, but because they lower correlation to stocks and smooth cash flows across regimes. We also call out common fallacies that derail portfolio debates: past performance cliches that prove nothing, irrelevant metrics used as cudgels, and cherry-picking that erases the 1970s and 2022 as if rare events never recur.Then we get practical with a young FI couple: how to build a durable equity core by pairing total market or large-cap growth with a small-cap value tilt, why VTI is usually fine while VUG may diversify better against value in tax-deferred accounts, and how to avoid tax pain when transitioning. We map smart asset location—ordinary-income generators in traditional, long-term growers in Roth, tax-efficient equities in taxable—and set realistic ranges: 40–70 percent stocks, 15–30 percent Treasuries, under 10 percent cash, and 10–25 percent alternatives. No dogma, just ranges that historically support higher withdrawal rates.We close with a versatile idea: an intermediate risk parity “slush” portfolio you can tap for big purchases without riding the all-stock rollercoaster. Add to laggards, sell winners, keep it simple, and stay focused on the only scoreboard that matters—sustainable spending. If you're ready to trade identity for outcomes and marketing for math, this one's for you.If this resonated, follow the show, leave a review, and share it with a friend who's rethinking their allocation. Your future self—and your future spending—will thank you.Support the show

In this landmark 800th episode of Skin Anarchy, Dr. Ekta Yadav sits down with the legendary Anastasia Soare, founder of Anastasia Beverly Hills and one of the most influential figures in modern beauty. Known globally as the Queen of Brows, Anastasia joins Dr. Ekta to discuss her newly released book, Raising Brows: My Story of Building a Billion-Dollar Beauty Empire. In this intimate conversation, she reflects on her remarkable journey—from her early years as a Romanian immigrant to becoming the visionary behind one of the most iconic brands in beauty history.What began as a simple observation—that eyebrows were being overlooked—sparked a revolution. Inspired by Leonardo da Vinci's studies on facial proportion, Anastasia developed her signature Golden Ratio method, shaping not only brows but the direction of the entire beauty industry. Her commitment to craftsmanship, precision, and empowerment turned Anastasia Beverly Hills into a global symbol of artistry and integrity.Anastasia opens up about the discipline, mentorship, and mindset that built her empire—offering wisdom that transcends business. She shares her mother's lessons in humility, her belief that fear must never dictate one's path, and the philosophy that has guided her from the salon floor to international fame: “If there's no seat at the table, build your own.”Episode 800 is more than a milestone—it's a celebration of resilience, creativity, and the pursuit of excellence. Tune in to hear Anastasia Soare's powerful story and discover the legacy behind Anastasia Beverly Hills—and now, behind her new book Raising Brows.Shop Raising Brows: My Story of Building a Billion-Dollar Beauty Empire and Anastasia Beverly Hills CosmeticsCHAPTERS:0:02 – Introduction & Welcome1:03 – Starting Over in a New Country3:06 – Entering the Beauty Industry4:41 – The Birth of the Brow Technique6:22 – Creating a New Beauty Category8:19 – The Philosophy of Giving Your Best11:05 – The Rise of ABH & Social Media Breakthrough13:07 – Building Confidence & Carving Your Own Path16:23 – Leadership, Mentorship & Lessons in DisciplinePlease fill out this survey to give us feedback on the show!Don't forget to subscribe to Skin Anarchy on Apple Podcasts, Spotify, or your preferred platform.Reach out to us through email with any questions.Sign up for our newsletter!Shop all our episodes and products mentioned through our ShopMy Shelf! Hosted on Acast. See acast.com/privacy for more information.

In this episode we answer emails from Ron, Mark, Rick and Keith.  We revel in your generosity and discuss the mechanics of monthly withdrawals and how rebalancing smooths that over, modelling portfolio with money going in and money going out, and a follow up on portfolios employing futures contracts as leverage.  And gooooold!  And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterOur South Africa Trip Video Playlist:  Penguins in Cape TownRemembering Gov. Schaefer:  The Eastern Shore remembers SchaeferRecent Bigger Pockets Money Episode Mentioning RP Portfolios:  FIRE is Dead...and Here's What Replaced ItPortfolio Visualizer Financial Goals Tool:  Financial GoalsAccumulating in a Golden Ratio Portfolio Article:  Minimize Your Miss – Portfolio ChartsKeith's Portfolio Backtest:  https://testfol.io/?s=9Am02OVX6XDBreathless Unedited AI-Bot Summary:Gold doesn't care about narratives, and this year it's rewriting a lot of them. We walk through what a powerful gold run means for real-world withdrawals, safe withdrawal rates, and the way diversified portfolios shoulder risk when the regime shifts. From the Golden Butterfly and Golden Ratio to return-stacked experiments, we review performance, drawdowns, and why structural diversification—equities, Treasuries, gold, real assets, and managed futures—often beats clever timing when you're spending from your nest egg.We also open the donor mailbag with sharp questions from listeners practicing monthly withdrawals ahead of retirement. Should you fund withdrawals from accumulated cash or trim recent winners? How much does trade timing matter at month-end? We share simple rules that reduce friction: let dividends build a cash buffer, sell strength back to targets, and rely on periodic rebalancing to correct small timing errors. For those using volatile tools like UPRO, TMF, or crypto, we explain why defined targets and a steady cadence matter more than chasing the “perfect” price.Futures curious? We touch on financing costs, collateral choices, and the risk realities of leverage, including why even elegant models must respect max drawdown. Along the way, we challenge the habit of erasing the 1970s from gold analysis and highlight how data-driven diversification can protect retirees from sequence risk. Whether you're simulating withdrawals or already living on your portfolio, you'll get practical tactics and a clearer lens for portfolio design.If this resonates, follow the show, leave a review, and share it with someone planning their retirement drawdown. And if you want your question answered sooner, support the Father McKenna Center through our site—every donation helps and moves you to the front of the line.Support the show

408. Hamster by The Golden Ratio

Facial 'harmonizing' is the latest beauty buzz flooding TikTok and Instagram, but is it really just harmless fun? In this episode, I dig into the strange science, cultural history, and hidden baggage behind our obsession with symmetry. From Renaissance art to social media filters, discover why the idea of a 'perfectly balanced face' isn't as innocent as it seems. Buckle up, this one's going to make you look at beauty trends a little differently. Are. You. Ready?****************Sources & References:Naomi Wolf — The Beauty Myth (1990)Petrus Camper — Facial Angles (1791, posthumous publication)Cesare Lombroso — L'Uomo Delinquente (Criminal Man) (1876)Moshtari Hilal — Ugliness (New Vessel Press, 2022, English ed.)Aditya Gulati et al. — “What is Beautiful is Still Good: The Attractiveness Halo Effect in the Era of Beauty Filters” (Royal Society Open Science, 2024)Julian De Silva — “Scientific formula proves why these 10 supermodels are the most beautiful” (New York Post, 2025)M Cosmetic Surgery — “What is the Golden Ratio of Facial Aesthetics?” (Clinic publication, 2024)Usha Rajagopal, MD — Clinic statements on facial harmony (San Francisco Plastic Surgery & Laser Center, 2023)Jessica DeFino — “People Are ‘Harmonizing' Their Faces. Why?” (FLESH WORLD Substack, 2025)Psychology Today — Articles on beauty standards, filters, and body image(2023–2025)****************Leave Us a 5* Rating, it helps the show!Apple Podcast:https://podcasts.apple.com/us/podcast/beauty-unlocked-the-podcast/id1522636282Spotify Podcast:https://open.spotify.com/show/37MLxC8eRob1D0ZcgcCorA****************Follow Us on Social Media & Subscribe to our YouTube Channel!YouTube:@beautyunlockedspodcasthourTikTok:tiktok.com/@beautyunlockedthepod****************Intro/Outro Music:Music by Savvier from Fugue FAME INC

406. Curvature of the Earth by The Golden Ratio

405. Nacktschneckeklingelstreich by The Golden Ratio

404. Scandal Noodle by The Golden Ratio

403. Chess Move by The Golden Ratio

Two of the most important concepts in the world of mathematics and nature are the Fibonacci Sequence and the Golden Ratio. These two concepts seem separate, but they are actually tightly intertwined.  While they have been known since the ancient world, they are still highly relevant today and can be found all over nature.  Best of all, despite being important mathematical concepts, they are also among the easiest to understand. Learn more about the Fibonacci Sequence and the Golden Ratio, what they are, and how they were discovered on this episode of Everything Everywhere Daily. Sponsors Newspapers.com Get 20% off your subscription to Newspapers.com Quince Go to quince.com/daily for 365-day returns, plus free shipping on your order! Mint Mobile Get your 3-month Unlimited wireless plan for just 15 bucks a month at mintmobile.com/eed Jerry Compare quotes and coverages side-by-side from up to 50 top insurers at jerry.ai/daily. Subscribe to the podcast!  https://everything-everywhere.com/everything-everywhere-daily-podcast/ -------------------------------- Executive Producer: Charles Daniel Associate Producers: Austin Oetken & Cameron Kieffer   Become a supporter on Patreon: https://www.patreon.com/everythingeverywhere Discord Server: https://discord.gg/UkRUJFh Instagram: https://www.instagram.com/everythingeverywhere/ Facebook Group: https://www.facebook.com/groups/everythingeverywheredaily Twitter: https://twitter.com/everywheretrip Website: https://everything-everywhere.com/  Disce aliquid novi cotidie Learn more about your ad choices. Visit megaphone.fm/adchoices

402l White Shoes by The Golden Ratio

401. Cow Grass by The Golden Ratio

400. Oil Bag by The Golden Ratio