Podcasts about Golden ratio

423. Fake Time by The Golden Ratio

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

Daily Bitachon: The Structural Geometry of Plants Welcome back to our Sha'ar HaBechina plant series. Today, we look at what I found to be the most fascinating aspect of this research: the structural geometry of plants . The way leaves are arranged on a stem isn't random; it is mathematical. Most plants follow the Fibonacci sequence : $1, 1, 2, 3, 5, 8, 13, 21, 34...$ and so on. In this sequence, each new number is the sum of the two before it ($5+8=13$, $8+13=21$). The Efficiency of the Spiral Why does HaKadosh Baruch Hu put this math into plants? Because it is the most efficient way to survive. Imagine a plant growing leaves. If every leaf grew directly above the one below it, the top leaf would steal all the sunlight and rain, and the bottom leaves would die. By following a spiral based on these Fibonacci numbers, the plant ensures that each leaf is tucked into a gap where it can still see the sun. ![Illustration of leaf phyllotaxis showing Fibonacci spiraling] Packing Perfection Look at a sunflower or a pinecone. The seeds are packed so tightly there is no wasted space. This happens because the seeds grow in two sets of spirals that criss-cross. If you count the spirals going left and those going right, they are almost always two neighbor numbers from the sequence, like 34 and 55 . Lilies usually have 3 petals. Buttercups have 5 . Daisies often have 34, 55, or 89 . Pineapples have scales that form spirals following these exact counts. Binyan vs. Tzmicha: The Growing Building The late Rav Wolbe used to contrast Binyan (building) with Tzmicha (growth). A building is made of dead blocks following a blueprint; a plant grows organically. But the novelty here is that there is a "building" happening inside the growth! There is an architectural design working within the plant itself. It is a "growing building"—a structure that isn't happening randomly but according to a specific mathematical stamp of wisdom. The Golden Ratio: God's Favorite Recipe While the Fibonacci sequence is a string of numbers, the Golden Ratio ($approx 1.6$) is the relationship between them. It is a way of dividing things so they are perfectly balanced. Imagine a bar of chocolate. If you break it so the big piece is $1.6$ times larger than the small piece, and the whole bar is $1.6$ times larger than the big piece, you've hit the "Golden" proportion. ![Diagram of the Golden Rectangle and the Fibonacci Spiral] Why it Matters to Us Aesthetics: Humans find this ratio naturally pleasing. Your credit card, a standard index card, and even the Mona Lisa are shaped close to this ratio because it feels "right" to our brains. Art & Music: Artists place subjects at the "Golden Line" (about 60% across) to make an image feel stable yet dynamic. Some composers even time the climax of a song to hit at the "Golden Moment"—62% of the way through. The Universal Stamp This isn't just in plants. The same ratio appears everywhere: The Human Body: The proportion between your hand and your arm, or the features of a balanced face. The Cosmos: The spiral of a massive hurricane and the structure of the Milky Way galaxy follow this exact geometry. Microscopic Life: Even DNA molecules measure in a way that reflects this sequence. In the language of Bitachon , this shows us there is One Designer . He put His stamp on everything. As the Sha'ar HaBechina teaches, even though everything in creation looks different, there is a singular, divine similarity that runs through it all. This mathematical sequence is the "identity card" of the Creator, found in every corner of the universe.

What is the 2/3 rule and why does it matter? We'll explain and once you get it, it's super easy to use the rule. Remember you don't need to be precise. There's no need to use a tape measurer; it's just a guidelineWe participate in the affiliate program with Amazon and other retailers. We may receive a small fee for qualified purchases at no extra cost to you.Kelly's crush is the series "Knife's Edge - Chasing Michelin Stars". Check it out HERE.Anita's crush is a new pair of duck boots HERE.SCHEDULE A DESIGN CONSULTNeed help with your home? We'd love to help! We do personalized consults, and we'll offer advice specific to your room that typically includes room layout ideas, suggestions for what the room needs, and how to pull the room together. We'll also help you to decide what isn't working for you. We work with any budget, large or small. Find out more HERECheck out Anita's Amazon shop HERE.Are you subscribed to the podcast? Don't need to search for us each Wednesday let us come right to your door ...er...device. Subscribe wherever you listen to your podcasts. Just hit the SUBSCRIBE button & we'll show up!XX,Anita & KellyDI - 6:07 / 15:24See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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

It wasn't luck. It was geometry. The Index dropped, hit the exact Fibonacci Retracement level, and bounced back with precision. This technical rebound confirms that the "Smart Money" algorithms are defending the trend. Neel Parekh explains the power of this "Golden Ratio" bounce and why this specific level was the bear trap of the month.

It wasn't luck. It was geometry. The Index dropped, hit the exact Fibonacci Retracement level, and bounced back with precision. This technical rebound confirms that the "Smart Money" algorithms are defending the trend. Neel Parekh explains the power of this "Golden Ratio" bounce and why this specific level was the bear trap of the month.

It wasn't luck. It was geometry. The Index dropped, hit the exact Fibonacci Retracement level, and bounced back with precision. This technical rebound confirms that the "Smart Money" algorithms are defending the trend. Neel Parekh explains the power of this "Golden Ratio" bounce and why this specific level was the bear trap of the month.

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

I am excited to share with you my conversation with Melody Morton, a movement specialist specialized in Pilates, who found a path from loss to purpose. How? Like many of you, Melody discovered "The Fingerprint of God" in the world around her. In our chat, she shares her deeply personal story of navigating divorce and the near-collapse of her business during the pandemic. In that season of ruin, she reached for a faith she hadn't grown up with—and in return, she found her anchor. My hope is that you can find it too. Beyond her own powerful testimony, Melody explains how science, physics, and mathematics all point to a divine design. Everything from the spirals of a sunflower to the helical coils of our own DNA, to the golden ratio found in galaxies and the human body reflects this design. Through this powerful conversation, you will learn how to use your body as a temple, integrating scripture, neuroscience, and movement to heal from trauma and align your life with God's intentional design. You will leave with a renewed sense of purpose, understanding that faith and science are not enemies, but two languages God uses to speak to us. And if you go check the links below you can discover how Melody is using all this to help you. She offers a 4-week Pilates and somatic recalibration workbook to help you rewire trauma loops, regulate your nervous system, and reconnect to your core self. Originally created for women recovering from narcissistic abuse, this program works for anyone ready to identify emotional patterns and shift them through daily Pilates, movement, sound, color, fascia release, and journaling. This isn't mindset work — it's somatic rewiring through the body. Topics covered: Christian entrepreneurship, resilience, faith and science, God's divine design, healing from trauma, finding purpose, Fibonacci sequence, Golden Ratio, Melody Morton, somatic healing, scripture and science, biblical principles, spiritual growth, finding God, pilates, recovery from trauma, somatic work. Want to dive deeper? "Do you not know that your bodies are temples of the Holy Spirit, who is in you, whom you have received from God? You are not your own; you were bought at a price. Therefore honor God with your bodies." — 1 Corinthians 6:19–20 God's unique signature is visible everywhere through the Fibonacci sequence and the Golden Ratio (phi, φ). These mathematical patterns aren't just abstract ideas; they are the fundamental building blocks of nature. From the perfect spirals of a pinecone and the elegant arrangement of sunflower seeds to the coiled shape of a galaxy and the intricate structure of the human ear, this same divine proportion appears with remarkable consistency. This undeniable order and precision, found across all of creation, serves as a powerful testament that the universe was not a product of chaos, but was instead designed with purpose and intentional beauty. This same divine proportion is woven into the very fabric of our bodies, appearing in the helical coils of our collagen, the spirals of our fascia, our cardiac fibers, and the intricate micro-architecture of our bones. Through the helical coils of the Pilates reformer springs, our bodies' natural spirals are retrained and realigned, allowing us to be shaped like "clay in God's hands" according to a lawful, divine pattern.4. Water, Fascia & Memory The body's intricate design reveals its responsive nature, particularly through its water. As Viktor Schauberger observed that water naturally moves in life-giving spirals, Thomas Myers' work shows that our fascia—a water-rich network throughout the body—transmits force and even stores emotion. This living blueprint can be rewritten through breath and movement, a concept echoed by Dr. Masaru Emoto's research that demonstrated how water's structure can be influenced by our very intentions. Together, these ideas paint a picture of a body intentionally designed to be a living, responsive canvas. Scientist & Mathematician Quotes Galileo (attributed): "Mathematics is the language in which God has written the universe." Johannes Kepler: "Geometry is one and eternal… it reflects the thoughts of God." Nikola Tesla: "If you want to find the secrets of the universe, think in terms of energy, frequency, and vibration." Did you enjoy this episode and would like to share some love?

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

- Get NordVPN with a special discount - https://www.nordvpn.com/goodareas- Get an exclusive 15% discount on Saily data plans! Use code 'goodareas' at checkout. Download Saily app or go to:https://saily.com/goodareas-Jarrod and Behram talk about Pakistan's 41 run win over UAE to qualify for the Super Fours. Handshake Gate and the drama that unfolded today before play begins. Saim's brilliant Golden Ratio and more fun stuff.-You can buy my new book 'The Art of Batting' here:India: https://amzn.in/d/8nt6RU1UK: https://www.amazon.co.uk/dp/1399416545-To support the podcast please go to our Patreon page. https://www.patreon.com/user?u=32090121. Jarrod also now has a Buy Me A Coffee link, for those who would prefer to support the shows there: https://www.buymeacoffee.com/jarrodkimber.Each week, Jarrod Kimber hosts a live talk show on a Youtube live stream, where you can pop in and ask Jarrod a question live on air. Find Jarrod on Youtube here: https://www.youtube.com/c/JarrodKimberYT.To check out my video podcasts on Youtube : https://youtube.com/@JarrodKimberPodcasts-This podcast is edited and mixed by Ishit Kuberkar, he's at https://instagram.com/soundpotionstudio & https://twitter.com/ishitkMukunda Bandreddi is in charge of our video side. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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

Responding to questions from listeners about the Fibonacci Sequence and the Golden Ratio in God's created order, choosing good music to listen to, and reflecting upon Jimmy Swaggart's legacy after his passing. Visit wwutt.com for all our videos!

398. Raw Pork by The Golden Ratio

397. Long Finger by The Golden Ratio

396. SEKRET INGO PODCAST by The Golden Ratio

It's easy to take growth for granted, for it to seem expected, inevitable even. Every person starts out as a baby and grows up. Plants grow from seeds into food. The economy grows. That stack of mail on your table grows. But why does anything grow the way that it does? In this hour, we go from the Alaska State Fair, to a kitchen in Brooklyn, to the deep sea, to ancient India, to South Korea, and lots of places in between, to investigate this question, and uncover the many forces that drive growth, sometimes wondrous, sometimes terrifying, and sometimes surprisingly, unnervingly fragile.Special thanks to Elie Tanaka, Keith Devlin, Deven Patel, Chris Gole, James Raymo and Jessica SavageEPISODE CREDITS: Reported by - Matt Kielty, Becca Bressler, Pat Walters, Sindhu Gnanasambandun, Annie McEwen, Simon Adlerwith help from - Rae MondoProduced by - Matt Kielty, Becca Bressler, Pat Walters, Sindhu Gnanasambandun, Annie McEwen, Simon AdlerSound design contributed by - Jeremy Bloomwith mixing help from - Jeremy BloomFact-checking by - Emily Krieger and Natalie Middletonand Edited by  - Pat WaltersEPISODE CITATIONS:Audio:“The Joy of Why,” (https://www.quantamagazine.org/tag/the-joy-of-why/) Steve Strogatz's podcast. Articles:“The End of Children,”(https://zpr.io/WBdg6bi8xwnr) The New Yorker, by Gideon Lewis-KrausBooks:Finding Fibonacci (https://zpr.io/3EjviAttUFke) by Keith DevlinDo Plants Know Math (https://zpr.io/bfbTZDJ8ehx5) by Chris GoleSingup for our newsletter!! It includes short essays, recommendations, and details about other ways to interact with the show. Sign up (https://radiolab.org/newsletter)!Radiolab is supported by listeners like you. Support Radiolab by becoming a member of The Lab (https://members.radiolab.org/) today.Follow our show on Instagram, Twitter and Facebook @radiolab, and share your thoughts with us by emailing radiolab@wnyc.org.Leadership support for Radiolab's science programming is provided by the Gordon and Betty Moore Foundation, Science Sandbox, a Simons Foundation Initiative, and the John Templeton Foundation. Foundational support for Radiolab was provided by the Alfred P. Sloan Foundation.