Podcasts about guardrails

People Are Getting Hosed — VA Refi Receipts (Light) A concise, source-backed outline for your live show • Updated Oct 30, 2025 What's Been Happening (2023–2025) CFPB orders NewDay USA to pay $2.25M Federal consent order alleges misleading cost comparisons on cash‑out refis to servicemembers and veterans. Enforcement CFPB • Aug 29, 2024 Newsroom Consent Order (PDF) Case Docket Servicers' pressure on survivors Report details pressure tactics, inaccurate info, and delays for bereaved families with VA‑backed loans. MOAA • Jan 17, 2025 Open Source VA: Pause foreclosures on VA loans VA called on mortgage servicers to pause foreclosures through May 31, 2024 — pushback to curb harm. VA Newsroom • Nov 17, 2023 Open Source VA seeks extended moratorium Requested extending the veteran foreclosure moratorium through Dec 31, 2024. VA Newsroom • May 29, 2024 Open Source CFPB relief for veterans harmed by schemes $6M in relief tied to illegal lending schemes targeting veteran benefits — signals regulatory focus on veteran predation. CFPB • Jan 2, 2024 Open Source MSCI: High speeds in Ginnie Mae VA loans Investor-side analysis flagged extraordinary prepayment speeds — a market clue of aggressive refi activity. MSCI Blog • May 24, 2024 Open Source Ginnie Mae: recent prepayment activity Agency note: VA cohorts led a recent uptick; overall CPR still below pre‑pandemic — use for nuance. Ginnie Mae • Jun 6, 2024 Open Source CFPB Consumer Response (2024) Mortgage-related consumer complaints remain significant; use to frame trends. CFPB • Published May 1, 2025 Overview Full Report (PDF) BBB: high‑pressure & trigger‑lead complaints Consumer allegations referencing rapid-fire calls and “too-good-to-be-true” VA refi offers (use as allegations, not findings). BBB • Ongoing Example complaints Company profile VA IRRRL — official rules Legitimate streamline path; costs can be financed or traded for a higher rate — decode “no‑cost” claims. VA.gov • Updated 2025 VA.gov Benefits (alt) MarketWatch: VASP wind‑down risk As VASP winds down, tens of thousands of veterans may be closer to foreclosure — stakes and urgency. MarketWatch • May 2025 Open Source Reuters: Kickbacks & steering case CFPB accuses Rocket Homes & partner of illegal referral scheme — not VA‑specific, but shows current enforcement climate on steering. Reuters • Dec 23, 2024 Open Source Talking Points (use these on-air) Misleading “savings” claims: Show NewDay consent order. Translate how “no‑cost” often means “financed costs” or a higher rate. Refi churn math: Explain payment reset, added fees to balance, and erosion of equity; cite investor prepayment data. High‑pressure tactics: Trigger‑lead calls, mailers, and scripted urgency; emphasize opt‑out and comparison shopping. Servicing pain points: Survivors report pressure/delays; stress VA escalation paths and patience with documentation. Guardrails for vets: IRRRL mechanics, itemized fees, true break‑even, and avoiding back‑to‑back refis unless math wins. Regulatory posture: VA foreclosure pauses, VASP, and ongoing CFPB enforcement show the government is watching. Call to action: Offer to do a plain‑English, side‑by‑side quote; invite viewers to send statements for a fee audit. Links & CTAs (edit these) RateWatch 2.0 Add your RateWatch sign‑up URL Schedule Consultation Open scheduling link Apply Now Add your application URL SmartCredit (affiliate) SmartCredit signup Credit Karma (affiliate) Free credit score The Budget App (referral) Budget App link YouTube — The Rate Update Add your channel URL Website therateupdate.com Light version • All external links open in a new tab • Replace placeholder CTAs with your URLs • © 2025 The Rate Update

Molly and Clarissa get real about the spoken and unspoken "rules" we inherit—from family, culture, religion, peers, and recovery spaces—and how those rules can quietly run our lives. They explore when structure is protective (especially early recovery) and when rigidity shrinks our world. The invitation: notice the rule, name whose voice it is, examine its intention, and rewrite it as a flexible, values-aligned boundary (a loving guardrail) that serves your recovery today. What we cover Invisible operating systems: How covert rules ("Don't cry in public," "Finish your plate," "Don't upset Dad," "Work before rest") get encoded as truth and shape choices, identity, and self-worth. Where rules come from: Family modeling, culture/diet/purity narratives, religion & tradition, media comparison loops, and past painful moments that birthed survival strategies. When rules help vs. harm: The cast-to-brace metaphor—early structure can be lifesaving; never taking the brace off becomes its own injury. Food-recovery example: "The kitchen is closed after dinner." Helpful as temporary scaffolding; harmful if it overrides true hunger, fuels all-or-nothing thinking, or becomes punishment. Language that frees: Swap "I can't" for "I choose not to (right now)." Replace rules with loving guardrails anchored in values, not fear. Meeting the Rebel: How the inner rebel shows up when we feel controlled, and how flexibility + permission reduces backlash and binge risk. Compassion over condemnation: Seeing the origin story of a rule reveals it was protective, not defective—which softens shame and opens space to change. Support matters: Borrowing a "prosthetic prefrontal cortex" from trusted people (group, therapist, friend) to reality-check and practice flexibility safely. Try this: a simple Rule Audit Spot it: What's one rule you notice yourself following today? Name the voice: Whose rule is it (family, program, culture, scared younger you)? Intention check: What safety or benefit was it trying to create? Does that need still exist? Cost check: How does it limit you now (shame, rigidity, disconnection from body needs)? Rewrite it: Old: "I can't eat after dinner." New: "I stop after dinner unless I'm truly hungry—then I have a planned, recovery-friendly snack without shame." Make it safer: Pre-plan options, text a support person, add a brief grounding before eating, pre-portion, and debrief after. Nuggets & reframes "Rules kept me safe then; values-based guardrails grow me now." "Different doesn't equal dangerous. It's okay if new feels wobbly." "Recovery should make life bigger, not smaller." "Permission reduces rebellion." "Thank you, old rule, for what you protected. I'm choosing something kinder now." Reflection questions for listeners Which rule in your life feels most rigid right now? What would a kinder, values-aligned version look like? If you replaced one "I can't" with "I choose not to—for now," what changes in your body and nervous system? Who are your go-to people to borrow perspective from when your threat system is loud? The content of our show is educational only. It does not supplement or supersede your healthcare provider's professional relationship and direction. Always seek the advice of your physician or other qualified mental health providers with any questions you may have regarding a medical condition, substance use disorder, or mental health concern.

Consistency doesn't have to mean posting every single week. In this episode, I sit down with Alesia Galati to talk about the seasonal approach to content and why batching your episodes or campaigns can actually give you more freedom. We dig into how to set guardrails for your capacity, what to do when burnout shows up, and why flexibility matters more than perfection in marketing. This one's for you if you've been craving more space in your business. In this episode of the podcast, we talk about: What a seasonal approach to content looks like How to batch without draining your creativity Guardrails that protect your time and energy Why flexibility matters more than rigid schedules How to repurpose content strategically across platforms …And More! This Episode Was Made Possible By: Riverside All-in-One Podcast & Video Platform Visit Riverside and use the code DREA to get 15% off any Riverside individual plan. We use it to record all our podcast interviews: https://onlinedrea.com/riverside About the Guest: Alesia Galati is a podcast strategist and the founder of Galati Media, a full-service podcast management agency. Driven by her passion for audio storytelling, Alesia has helped numerous coaches, thought leaders, and businesses launch and grow their podcasts. She believes everyone has a story to tell and is dedicated to empowering others to share their voices with the world. Website: https://galatimedia.com/ LinkedIn: https://www.linkedin.com/in/alesia-galati/ Instagram: https://www.instagram.com/alesia.galati/ Go to the show notes for all the resources mentioned in this episode: https://onlinedrea.com/381

In this episode of Unemployable with Jeff Dudan, Jeff sits down with Patrick Galleher, Managing Partner at Boxwood Partners, one of the leading investment banks in franchising with over $7 billion in completed transactions. Patrick shares his insider perspective on selling a business the right way—from running a proper process and attracting private equity, to avoiding costly legal and financial mistakes that crush valuations. They also break down how private equity has evolved, why top firms like KKR, Blackstone, and Riverside are moving aggressively into franchising, and how franchise owners can prepare for a life-changing exit—whether as franchisors or multi-unit franchisees. If you're building a brand or thinking about selling one, this is required listening.  

In this episode of Unemployable with Jeff Dudan, Jeff sits down with Patrick Galleher, Managing Partner at Boxwood Partners, one of the leading investment banks in franchising with over $7 billion in completed transactions. Patrick shares his insider perspective on selling a business the right way—from running a proper process and attracting private equity, to avoiding costly legal and financial mistakes that crush valuations. They also break down how private equity has evolved, why top firms like KKR, Blackstone, and Riverside are moving aggressively into franchising, and how franchise owners can prepare for a life-changing exit—whether as franchisors or multi-unit franchisees. If you're building a brand or thinking about selling one, this is required listening.  

The way to improve physical intelligence is to simulate, discover, and do.A dropped box tells the truth. That little skid and thud is a progress report one can feel. In this episode, Tough Tech Today Co-Hosts Forrest and JMill trace the full arc of “physical” intelligence: how we simulate the world, discover what to build, and then make hardware that learns while doing real work.First, simulate: Before a wheel ever touches regolith or a gripper meets a crate, we spin up physics-rich worlds and run them by the thousands. This is not to find a perfect script, but to survive the imperfect ones. If a machine's behavior holds up to domain randomization, messy lighting, uncertain friction… it may stand a chance on day one.Then, discover: Imagine an autonomous lab bench where pipettes, sensors, and models conspire to explore their search space. The point is not cute demos, but rather new catalysts, sturdier materials, better routes to medicines. Humans keep the compass while the system earns its stripes by proposing and testing the next steps.Finally, do: The shop floor is where timing and torque decide what actually works. Machine vision has been around for decades; what changes now is adaptation. Tactile data, trustworthy actuation, and feedback loops tight enough to correct mid-cycle help make open loops into closed loops. Ideally, we see waste reduce, uptime climb, and skills accumulate.We also discuss the future of work and work-of-the-future. General-purpose agents capabilities will probably not arrive in a headline, instead percolating as a thousand small skills that survive contact with clutter, dust, heat, and schedule slips. That means building for failure an organization can recover from, staging rollouts, red-teaming the edge cases, and being clear who is on the hook when something goes wrong.If we get this right, the wins will look, well, ordinary: fewer knobs to tune, fewer reworks, more jobs finished on time. But what is exception is that models are becoming matter, the foundation of systems that quietly improve with use. And what about that dropped box? It becomes a better grasp the very next cycle, with the machine's learnings shared across a hundred robots operating among a swarm, broadcast to thousands of work cells around the world.P.S. Thank you to our tough tech champions. We really appreciate your support. We have pay-if-you-can membership options so you can help us bring Tough Tech Today to more folks!

Listen now: Spotify, Apple and YouTubeWhat does “AI-native” actually look like inside a company — not in theory, but in practice?In this episode of Supra Insider, Marc and Ben sit down with James Dillard, former YouTube and Stripe PM, who recently spent three months embedded at Roo Code, an AI-native startup building coding agents that can write and review production code.James shares what it was like to join a 10-person team where everyone contributes to the codebase — from designers to community managers — and where the product process has been reimagined from the ground up.He walks through how discovery, design, and iteration actually work in an environment where code is the default language of collaboration — and what that means for the future of product management, engineering, and org design.Whether you're a product leader trying to make your org more AI-native, a founder exploring new operating models, or just curious about what “AI-native” means beyond the buzzwords — this episode offers a rare inside look at how the next generation of teams are really working.All episodes of the podcast are also available on Spotify, Apple and YouTube.New to the pod? Subscribe below to get the next episode in your inbox

In this episode of Project Synapse, we explore the innovative use of AI in veterinary oncology with Dr. Christopher Pinard. Dr. Pinard, a veterinary oncologist, discusses his journey from coding HTML in grade school to developing AI-driven solutions for cancer in pets. He shares insights on the challenges and opportunities within veterinary medicine, the impact of AI on clinical efficiency, and the future of personalized medicine for pets. We also delve into issues like regulatory challenges, the importance of context in AI models, and the potential of federated learning. If you're interested in the intersection of AI and veterinary medicine, this episode is a must-watch! 00:00 Introduction to Project Synapse 01:12 Meet Christopher Pinard: Veterinary Oncologist 01:27 The Evolution of Veterinary Specialties 02:02 Training and Clinical Trials in Veterinary Oncology 03:21 AI in Veterinary Medicine 03:48 The Intersection of Veterinary and Human Medicine 04:34 Challenges in Veterinary Medicine 05:19 Cancer Statistics in Pets 09:12 Protein Folding and AI in Drug Development 23:48 AI Scribes and Summarization in Veterinary Medicine 35:43 Guardrails to Prevent Hallucinations 36:57 Embedding Models and Knowledge Graphs 37:49 Introducing Hero: The Rationalization Engine 38:11 Grading Methodology for AI Outputs 39:18 Using Multiple Models for Fact-Checking 43:54 Extracting Data from Clinical Records 45:45 The Future of Domain-Specific AI Models 48:16 Challenges and Opportunities in Veterinary AI 50:55 Federated Learning and Bias Mitigation 55:03 The Importance of Regulation and Education 01:01:50 Starting a Veterinary AI Business in Canada 01:08:00 Future Directions in Veterinary Oncology 01:08:58 Conclusion and Farewell

 Hiring in industrial water is slow, specialized, and expensive to get wrong. In this conversation, executive advisor Randi Fargen explains how a two-question, 5–7 minute Culture Index survey becomes an ongoing management and coaching system—not just a hiring screen—so owners cut turnover risk, speed onboarding, and improve day-to-day communication.    From “assessment fatigue” to a usable language  Most teams dread long assessments. This survey takes minutes and measures four primary traits—autonomy, sociability, pace/patience, conformity—plus three sub-traits (logic, ingenuity, mental stamina). Leaders get a shared vocabulary for why projects stall, what information different people need, and where the team is over-weighted in “gas” (vision/growth) or “brake” (quality/process).    Objective data where interviews fail  Resumes can be embellished, references are curated, and interviews are where candidates most modify behavior. The survey provides objective, EEOC-compliant data to align role demands with how a person is wired—a first pass for “right person, right seat,” followed by skills and experience checks. Trace shares a driver-hire example where data prevented a costly misfit and made the interview process smoother and more targeted.    Turnover, onboarding load, and the health check  Randi highlights research she cites with clients: 66% of employees have accepted roles they knew weren't a fit, and 50% of those left within six months—burning cash and team morale. The fix isn't one-and-done. Teams re-survey every 3–6 months to read dynamic “job behavior” shifts, diagnose disconnects early, and adjust coaching, workload, or process before problems harden.    Coaching at scale, not weaponization  Culture Index works best when deployed top-down and organization-wide (not just managers). Teams adopt simple practices—e.g., bringing pattern cards to meetings or adding patterns to email signatures—to reduce friction. A guardrail: never “weaponize the dots.” Use the data to maximize strengths and support challenges; never to excuse behavior or limit someone's potential.    Industry relevance and next steps  Because industrial water roles are niche and ramp time is long, using objective behavioral data helps retain talent you've already invested in. Randi closes with a free team diagnostic offer for companies that want to “test drive” the approach and leave with actionable insights—regardless of whether they proceed further.  Listen to the full conversation above. Explore related episodes below. Stay engaged, keep learning, and continue scaling up your knowledge!    Timestamps    02:01 - Trace Blackmore shares a Legionella Awareness Month recap (most listened yet, high sharing), shout-outs to some guests, note that the CDC recognized Legionella Awareness Month, the origin story from 2020 lockdowns, a call to keep challenging what we “know”  07:52 - Upcoming Events for Water Treatment Professionals   12:51 - Interview with Randi Fargen, Executive Advisor with Culture Index  13:27 - Randi's self-intro: role and how she helps businesses (“right people, right seats”)  17:02 – Hiring Win; interviews get sharper when profiles guide questions  22:13 – Cost of Turnover  33:42 - What's measured: four primary traits (A/B/C/D) + three sub-traits (logic/ingenuity/stamina)  41:06 - Gas vs. brake; turning productive tension into quality control  52:51 - Guardrail: never “weaponize the dots”; use data to support, not to excuse or exclude  01:12:21 - Water You Know with James McDonald    Quotes  “Fully exploited strengths are a far greater value than marginally improved weaknesses.”  “Statistically speaking, 98% of the population has less autonomy than you do.”  “The second this is weaponized; the program is dead within your organization.”  “This isn't something, it's not a magic wand, it's not a magic bullet… This is a marathon, not a sprint.”    Connect with Randi Fargen Phone: 1(303) 242 0346  Email: rfargen@cultureindex.com   Website: www.cultureindex.com     LinkedIn: https://www.linkedin.com/in/randi-fargen/     Guest Resources Mentioned   Culture Index Program  Randi Fargen (Executive Advisor) Free Team Diagnostic   Extreme Ownership by Jocko Willink   How Not to Age: The Scientific Approach to Getting Healthier as You Get Older by Michael Greger    Scaling UP! H2O Resources Mentioned  AWT (Association of Water Technologies)  Scaling UP! H2O Academy video courses  Submit a Show Idea  The Rising Tide Mastermind  446 Leveraging the Culture Index for Business Success with Danielle Scimeca and Conor Parrish    Water You Know with James McDonald   Question: What is the molar mass of water?    2025 Events for Water Professionals  Check out our Scaling UP! H2O Events Calendar where we've listed every event Water Treaters should be aware of by clicking HERE.   

A historic wing falls under the wrecking ball while the government sits frozen and the real story isn't the rubble, it's the missing guardrails. We dig into how a fast-tracked White House East Wing demolition bypassed the usual preservation process and why a proposed 90,000-square-foot ballroom could dwarf the White House and reshape what the People's House symbolizes. From the National Capital Planning Commission to the GSA, we walk through the norms designed to protect public trust - and what it means when those norms get ignored.We also talk about money and influence. If taxpayers aren't paying, who is? Corporate sponsorship inside federal space changes the stakes from stewardship to access, and that's a shift worth questioning. Alongside the outrage are signs of civic health: No Kings protests, peaceful crowds in big cities and small towns, and a shared hunger for hope and accountability. That energy matters when leadership feels stale. We challenge the enablers who look away, the aging power structures that struggle with tech and AI, and the culture that confuses longevity with legitimacy.Listeners asked how to argue less and understand more. We share our media diet: baseline facts from Reuters and AP, deep dives from subject experts, and a habit of going to primary sources. We outline practical media literacy - verify claims in multiple credible outlets, separate fact from framing, and use tools like Perplexity as a starting point, not a verdict. When conflicts get personal, model clarity, set boundaries, and refuse bait. You can hold love and truth at the same time.If this conversation gave you something solid to stand on, tap subscribe, share it with a friend who cares about democracy, and leave a quick review to help others find the show. What's the one norm you think we must rebuild first?Thank you for stopping by. Please visit our website: All About The Joy and add, like and share. You can also support us by shopping at our STORE - We'd appreciate that greatly. Also, if you want to find us anywhere on social media, please check out the link in bio page. Music By Geovane Bruno, Moments, 3481Editing by Team A-JHost, Carmen Lezeth DISCLAIMER: As always, please do your own research and understand that the opinions in this podcast and livestream are meant for entertainment purposes only. States and other areas may have different rules and regulations governing certain aspects discussed in this podcast. Nothing in our podcast or livestream is meant to be medical or legal advice. Please use common sense, and when in doubt, ask a professional for advice, assistance, help and guidance.

In this episode of the Second in Command Podcast, Cameron Herold sits down with Ebert Grobler, COO and co-founder of Ruby Digital, one of South Africa's top-ranked digital agencies now expanding across the globe.Ebert shares how his company has achieved near-perfect team retention and why their internal mantra—“Grow People, Grow Global, Grow Profit”—has fueled both performance and culture. From developing a system called The Ruby Way to empowering every team member to operate like an entrepreneur, Ebert breaks down how Ruby Digital builds sustainable high performance without burnout.He also explains how they've turned retention, trust, and human connection into a competitive advantage in a saturated market and why premium service is still one of the rarest differentiators in the U.S. marketing landscape.Timestamped Highlights [00:01:45] – Why Ruby Digital is expanding from South Africa into the U.S. [00:05:25] – The surprising gap in the U.S. market: quality and retention. [00:08:12] – How Ruby Digital achieves 95–100% staff retention. [00:10:20] – Creating “The Ruby Way”: an operating system built on trust. [00:12:45] – Letting employees act like entrepreneurs without the risk. [00:16:00] – “Step Up”: the six-month advancement model that keeps people growing. [00:18:30] – Guardrails against burnout: scorecards, balance wheels, and wellbeing KPIs. [00:22:40] – Why culture drives premium client delivery. [00:25:05] – How Ebert measures success: Grow People → Grow Global → Grow Profit. [00:27:15] – Ruby's philosophy: manage risk, not just marketing. [00:30:10] – B2B growth: focusing on long-term relationships, not quick wins. [00:33:25] – The “SMC client” model—serving sophisticated, mature companies. [00:36:10] – How much companies should invest in marketing (and why most don't). [00:41:10] – Ruby's 15% marketing reinvestment and in-house client mindset. [00:45:30] – Turning unused leads into referral revenue. [00:48:10] – The biggest lesson from failure: trust is earned, not given.Resources & MentionsSmart Marketing 2.0 Podcast – Co-hosted by Ebert GroblerScaling Up by Verne HarnishGood to Great by Jim CollinsAbout the GuestEbert Grobler is the COO and co-founder of Ruby Digital, a global performance marketing agency headquartered in South Africa with hubs in the U.K. and U.S. A former communication-science student turned “human-systems engineer,” Ebert is known for creating organizational models that blend business growth with human sustainability. Under his leadership, Ruby Digital has been recognized as one of the Top 20 Companies to Work For in South Africa by the U.K. Sunday Times and continues to redefine what it means to run a people-first, performance-driven company.

Suzy and Diana revisit Pixar's Finding Nemo to talk about how the film hits differently as parents. They unpack Marlin's trauma and anxiety, Dory as a thoughtful nod to neurodiversity, why “family” is bigger than blood, and how to balance protection with independence. They also put Nemo through the Disney Moms Gone Wrong Hall of Fame criteria and land on a verdict.00:00 Welcome, “Hidden Mickey” kid cameos, why Nemo is on repeat at home02:00 2003 shocker, quick plot refresher03:40 Dory's humor and what she represents for neurodivergent listeners10:24 The parenting balance between protection and letting kids grow16:32 Marlin and Nemo's relationship shift from fear to trust21:07 Safe risks, helicopter parenting, and real life boundaries25:04 Family beyond blood: Bruce, Crush, Squirt, and the tank crew as a village31:39 Most emotional moments and why they land as parents38:31 Nemo's fin and talking about disability with care and support43:02 Hall of Fame debate and verdict46:01 Scheduling notes, shoutouts, sign offMarlin's overprotection is rooted in trauma and love, not control. Naming that helps parents reframe their own anxiety.Dory reads as a warm, respectful reflection of neurodiversity, reminding us that different brains belong in the story.Kids need safe space to try, stumble, and grow. Guardrails beat bubble wrap.“Family” is the people who show up. Nemo's helpers along the way model a real village.Disability is part of the world, not an afterthought. Nemo's fin is handled with empathy, not pity.Verdict: Yes to the Disney Moms Gone Wrong Hall of Fame for cultural impact and emotional storytelling, even without iconic songs.“The balance between protecting your kids and letting them grow up is real, and it's hard.”“Family is more of a feeling than DNA.”“Safe risks matter. You can supervise without smothering.”“Dory reminds us that different ways of thinking have a place in the journey.”If this episode resonated with you, please follow, rate, and review the show. Share it with a friend and tag us with #DisneyMomsGoneWrong so we can find your post.GeekFreaksPodcast.com – Our home base and the source of all news discussed on our showsMovie referenced: Finding Nemo (2003), PixarDisney Moms Gone Wrong: IG: @disneymomsgonewrongGeek Freaks: Instagram: @geekfreakspodcast, Threads: @geekfreakspodcast, Twitter: @geekfreakspod, Facebook: Geek Freaks Podcast, Patreon: GeekFreaksPodcastWhat parenting moment in Finding Nemo hit you the hardest, and why? Send your questions or topic ideas for future episodes to our socials or through GeekFreaksPodcast.com. We'll feature a few on the next show.Apple Podcasts Tags: Disney Moms Gone Wrong, Finding Nemo, Pixar, Parenting, Neurodiversity, Disability Representation, Family, Movie Review, Animation, Geek Freaks NetworkTimestamps and TopicsKey TakeawaysQuotesCall to ActionLinks and ResourcesFollow UsListener Questions

Wes Ott covers today's top tech stories: SpaceX is launching its massive V3 Starlink satellites via Starship and promises to deliver gigabit internet; Meta is adding new parental controls to Instagram, allowing guardians to block teens from interacting with AI chatbots; and Amazon's Ring Community Requests feature allows police to solicit video footage from opt-in owners, intensifying the national debate over digital surveillance and privacy.

"There's fewer guardrails, economic guardrails on Trump than there were the first time,” says renowned precious metals expert John Doody to Daniela Cambone, explaining why gold has surged past $4,000 an ounce. “That's why gold is up 50% in just nine months,” he adds, drawing parallels to the 55% gain during Trump's first term.Doody dives into the factors driving the rally, from central banks diversifying away from the dollar to global investor uncertainty, and highlights why he believes the bull market isn't over: “The cause for gold going higher isn't going to change anytime soon.” He also shares insights on silver, mining stocks, and his top gold stock picks, which have soared 160% this year.✅ FREE RESOURCESDownload The Private Wealth Playbook — a data-backed guide to strategically acquiring gold and silver for maximum protection, privacy, and performance. Plus, get Daniela Cambone's Top 10 Lessons to safeguard your wealth (FREE)

7:00 HOUR: Mr. Philadelphia, Does MLB need competitive balance guardrails?

Two of the five highest payrolls in baseball will play in the World Series

Wes Ott covers today's top tech stories: SpaceX is launching its massive V3 Starlink satellites via Starship and promises to deliver gigabit internet; Meta is adding new parental controls to Instagram, allowing guardians to block teens from interacting with AI chatbots; and Amazon's Ring Community Requests feature allows police to solicit video footage from opt-in owners, intensifying the national debate over digital surveillance and privacy.

Send us a textThe Legal Bridge: Technology to Trust | S3E8Guest: Darryl Osuch - Unit Manager, Legal Operations at JERA Co., Inc. | Host of The Legal Ops PodcastEpisode Length: 51 minutesEpisode Description"I feel like I'm fighting an education battle."Darryl Osuch identifies what many organizations are missing about AI adoption. Not a technology battle. Not a process battle. An education battle.In this conversation, Darryl shares what he's learning at the intersection of legal operations, AI implementation, and organizational trust. His perspective—both mechanic and driver of AI systems—reveals why the gap between capability and comprehension might be the real bottleneck.Microsoft's research shows 70% of AI transformation involves people, 20% workflows, and only 10% algorithms. Yet many organizations find their resource allocation tells a different story. Darryl brings rare expertise: implementing generative AI at JERA while building frameworks that help people actually trust and adopt it.Key ThemesThe Translation Gap Legal teams are discovering they're not gatekeepers—they're translators between technical capability and human comprehension. When technical concepts get explained but not understood, that's where adoption stalls.Trust as Architecture Trust operates in layers: data, algorithm, company. When one layer doesn't hold, the entire stack can struggle—regardless of technical capability.The Education Battle The real challenge isn't teaching people to use AI tools. It's making complexity accessible without losing truth. Translation capability is becoming strategic, not supplementary.Democratization with Guardrails "Vibe coding" enables people who've never coded to build solutions. The question becomes: How do you create frameworks that enable exploration while maintaining standards?The Soft Skills Advantage When everyone has access to similar AI tools, what creates distinction? Humanity, authenticity, judgment, empathy, wisdom—the entirely human elements.Key Insights from Darryl

Truth vs. Twisting: Isaiah 5, Leviathan, and Courage for the Remnant  |  KIB 502 Kingdom Intelligence Briefing Description “Woe to those who call evil good and good evil…” (Isaiah 5:20, ESV). In Kingdom Intelligence Briefing Episode 502, Dr. Michael and Mary Lou Lake address today's climate of fear, the cultural normalization of darkness (especially around Halloween), and the Leviathan spirit that twists truth and communication. From Isaiah 5's “wild grapes” to Jesus' teaching on the vineyard, we explore how societies—and even churches—descend into madness when they reject God's covenant, and how the remnant can stand firm in humility, prayer, and truth. Key Scriptures (ESV): Isaiah 5:1–7, 20 — Wild grapes & calling evil good 2 Timothy 1:7 — “God gave us a spirit not of fear but of power and love and self-control.” John 15:5 — “I am the vine; you are the branches…” What you'll gain: biblical clarity on fear vs. faith, how to recognize Leviathan's twisting, practical steps for spiritual warfare, and hope that God is extending a “loop of mercy” for preparation and harvest.

Employee engagement is rapidly becoming one of the most powerful forces shaping corporate philanthropy today. And skilled volunteerism—where employees contribute their professional expertise to nonprofits—can transform both the organizations served and the employees themselves.We invited Lauren Coape-Arnold, Executive Director of the Apollo Opportunity Foundation (AOF) and Global Head of Citizenship at Apollo Global Management, to speak about how AOF built a model that puts employees at the very heart of the company's philanthropy. It empowers employees to nominate, evaluate, and partner with grantees, ensuring that they are engaged throughout the entire relationship—not just at the funding stage. Through cross-functional “deal teams,” employees apply their analytical, financial, and strategic skills to help nonprofits thrive, all while cultivating collaboration and leadership within Apollo's culture. By structuring philanthropy around its people, AOF creates a cycle of giving and growth that benefits communities, strengthens performance, and deepens employees' sense of meaning at work.Listen for insights on:Establishing relationships with grantees that go beyond check-writingBuilding skilled volunteer programs employees actively want to joinCreating successful grant councils that bolster nonprofits and engage employees Resources + Links:Lauren Coape-Arnold's LinkedInApollo Opportunity Foundation (00:00) - Welcome to Purpose 360 (00:13) - Lauren Coape-Arnold and Apollo Opportunity Foundation (03:02) - Lauren's Background (05:40) - Apollo (06:29) - Creating the Foundation (08:39) - The Guardrails (10:12) - Picking the Focus (13:24) - Employee Focus (16:11) - How It's Done (19:10) - Skills-Based (19:53) - Deal Teams (21:28) - Impact (23:03) - Logistics (24:03) - GAIN UK (26:52) - Advice (28:47) - Review Process (29:51) - Integrating AI (31:51) - Last Word (33:00) - Wrap Up

AI Daily Rundown: October 21, 2025: Your daily briefing on the real world business impact of AI

Leveraging AI for Disciple Making with Tapos AI: Overcoming Fears and Embracing Technology Check out Tapos: https://www.tapos.app/ Check out Discipleship.org's chat widget to ask disciple making: https://discipleship.org/  In this episode of the Disciple Makers Podcast, we dive deep into the intersection of artificial intelligence and disciple making. Joined by Preston and Nick from Tapos, we explore the principles of leveraging AI for kingdom work. Discover how their AI tool, Tapos, assists churches and individuals by making sermonic content searchable and actionable, all while maintaining theological accuracy. Hear personal stories, the benefits of integrating AI in ministry, and practical steps for incorporating this advanced technology safely and effectively. Whether you're apprehensive or enthusiastic about AI, this conversation offers valuable insights on harnessing AI's potential for disciple making. 00:00 Introduction and Topic Overview 01:00 Meet the Guests: Preston and Nick from Taos 02:45 Nick's Background and Journey 04:50 The Birth of Tapos: Preston's Story 09:02 How Taos Works: Practical Applications 15:09 Addressing AI Concerns in Disciple Making 17:51 AI's Role in Personal Questions 18:37 Challenges with AI Advice 19:12 Introducing Taos: A Solution for Churches 19:47 Ensuring Trust and Accuracy in AI Responses 20:59 AI's Impact on Sermon Preparation 21:51 Human Involvement in AI 22:42 Real-Life AI Experiences 26:02 Guardrails and Safety in Taos 27:22 The Future of AI in Churches 31:55 Final Thoughts and Encouragement

Pastor Paul Irminger. Relationships are some of the greatest gifts God gives us and also some of the hardest to navigate. Marriage, family, friendships, coworkers… none of us get it perfect, and we've all felt the gap between expectations and reality. That's why we all need this new series: Getting It Right With The People Who Matter Most. Together we'll study biblical wisdom on forgiveness, fighting fair, and setting healthy boundaries. We will learn practical steps to strengthen the relationships that matter most in our lives. This isn't just a series for us, it's for your friends, coworkers, and neighbors who need hope in their relationships too.

In this episode of the podcast, we are joined by Sofia Fenichell, the founder of Study Hall AI. The conversation explores Sofia's journey as an entrepreneur in the education sector, her passion for improving literacy through innovative AI solutions, and the importance of fostering agency and passion in learners. We discuss the challenges of traditional assessment methods and the need for a shift towards more engaging and effective educational practices. Sofia shares insights on the upcoming launch of College Co-Pilot, an AI-driven tool designed to assist students in the college admissions process. The episode concludes with our usual quick-fire questions too.Chapters00:00 Introduction 01:23 Sofia's Journey 04:59 The Passion Behind Entrepreneurship10:41 Introducing Study Hall AI14:54 AI with Guardrails for Safe Learning19:43 Fostering Passion and Agency26:06 Rethinking Assessment 29:30 The Future of Education and AI33:45 Navigating Assessment Grief36:35 Innovations in College Admissions40:22 Final Thoughts and Quickfire QuestionsFind out more about StudyHallThanks so much for joining us again for another episode - we appreciate you.Ben & Steve xChampioning those who are making the future of education a reality.Follow us on XFollow us on LinkedInJoin the WhatsApp CommunityWant to sponsor future episodes or get involved with the Edufuturists work?Get in touchGet your tickets for Edufuturists Uprising 2026

Learn how to protect your kids online and introduce technology the right way.In this episode, Bill Brady, CEO of Troomi, joins the Covenant Eyes Podcast to discuss faith-based parenting in the digital age. Discover how Troomi phones keep children safe from pornography, predators, and social media — while empowering parents with visibility and control.Bill also shares how his Christian faith influences Troomi's mission, why the tech industry needs more accountability, and how parents can raise children with integrity in an AI-driven world.

Jeetu Patel knows a few AI secrets. As the President of one of the largest companies in the world, he's helped pave the AI adoption roadmap. At Cisco, they provide full-stack, enterprise AI solutions spanning infrastructure, security, observability, and operations to the world's largest companies. So naturally, Jeetu could write a legit playbook on what's slowing enterprises down in the AI fast lane and how they can overcome those bottlenecks. And naturally, Jeetu is gonna share it all with us. The 3 Big Obstacles Holding AI Adoption Back -- An Everyday AI Chat with Cisco President Jeetu PatelNewsletter: Sign up for our free daily newsletterMore on this Episode:Episode PageJoin the discussion on LinkedIn: Thoughts on this? Join the convo on LinkedIn and connect with other AI leaders.Upcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:Enterprise AI Adoption Rates & ChallengesAI Workflow Automation Phase ExplainedThree Big Obstacles to AI AdoptionInfrastructure Constraints for Enterprise AITrust Deficit in AI SystemsData Gaps Impacting AI SuccessMeasuring ROI on Enterprise AI DeploymentFuture Trends: Agentic AI and Original InsightsTimestamps:00:00 AI Adoption Challenges in Enterprise05:18 AI Adaptation: The Key Strength08:56 AI Infrastructure and Trust Challenges10:23 Building Trust and Harnessing Data13:27 Unsatiated Demand Signals Growth19:12 Proactive AI Model Safeguards22:07 AI Strategy and Business Growth26:09 Key Metrics for AI Success28:10 Guardrails for AI Vulnerabilities31:34 AI Unlocking Revolutionary DiscoveriesKeywords:AI adoption, obstacles to AI adoption, enterprise AI, generative AI, AI strategies, chatbots, autonomous agents, workflow automation, business productivity automation, infrastructure for AI, AI power consumption, data center capacity, compute capacity, GPUs, Nvidia, AMD, network bandwidth, CapEx in AI, AI bubble, national security and AI, economic growth and AI, AI trust deficit, securing AI, AI safety, AI hallucinations, large language models, model unpredictability, AI guardrails, algorithmic jailbreak, AI security stack, AI defense, company data as moat, AI data pipeline, data gap in AI, machine data, human data, synthetic data, time series data, data correlation, AI model training, AI ROI, trust in AI systems, agentic workflows, future of AI, robotics, humanoid AI, physical AI, original insights with AI, economic prosperity with AI, AI-generated knowledge, workflow automation with AI agents, scaling AI in enterprisesSend Everyday AI and Jordan a text message. (We can't reply back unless you leave contact info) Ready for ROI on GenAI? Go to youreverydayai.com/partner

Today I'm joined by my brilliant friend, fashion-and-wedding photographer Sandra Åberg, for a real talk we've both been having off-mic for years: does being “published” (Vogue, Harper's, Martha) actually mean you've arrived—or is it another industry illusion that keeps creatives chasing validation? We swap origin stories (Milan fashion sets, Sports Illustrated mayhem, and stumbling into weddings), talk integrity lines, and share the unseen mechanics behind advertorials, vendor lists, and “top” roundups—what's paid, what's earned, and what actually moves the needle in a creative business. We also dig into the soul of the work: why connection with your couples matters more than a logo, and how to protect your creative magic in a content-driven world. If you've ever wondered whether you should pay to play, whether that “Vogue cover” on Instagram was an ad, or how to define success on your own terms—this one's for you. In this episode, we cover: The myth of arrival: Why “as seen in…” is social proof—not a finish line. Paid vs. earned press: Advertorials, vendor lists, and “Top Photographer” roundups—how they really work and what they're good for. Integrity lines: Finding your yes/no around paying for placements, ads, and algorithms. From fashion to weddings: Sandra's Milan years, mentorship, and the moment that shifted her values. When the dream feels empty: Sandra's Vogue Japan cover—and the unexpected loneliness on the other side. What books/awards/followers really signal: The strategy behind best-seller lists and big platforms. Connection over clout: Why knowing (and liking!) your couples changes the images—and the experience. Working with planners: How to keep creative chemistry when gatekeepers run the process. Creator vs. content creator: Guardrails for protecting your artistry in a metrics world. Defining success: Visibility, vulnerability, and being seen for who you are—not what you've published. Part two lands soon: “Be a Creator, Not Just a Content Creator”—plus details on our intimate Italy experience designed to rekindle your artistry (and yes, we'll talk smart, values-aligned pathways to publication). Question for you: Where's your line between integrity and appearances—and what does “playing it brave” look like in your visibility strategy right now? Meet Sandra Sandra Åberg is an internationally acclaimed photographer known for her ethereal style, poetic storytelling, and deeply emotional imagery. With over 15 years of experience, she has photographed for Vogue, captured celebrity weddings, and built a reputation as one of Europe's leading names in luxury destination wedding photography. Founder of both Atelier Åberg and her namesake brand, Sandra is not only a visual artist but also an educator and mentor, inspiring photographers and creatives worldwide to dream big and build a life they love. Connect with Sandra www.sandraaberg.comwww.atelieraberg.comSandra's Instagram

JD Fiscus (nerding.io) shares how a late-night hack connecting MCP to n8n exploded to ~1M downloads, then demos practical MCP workflows: indexing YouTube channels for Q&A, and auto-building n8n flows from natural language. We dig into the Agentic Commerce Protocol, real security pitfalls (like destructive commands), and how to turn MCPs into products with OAuth and Stripe for authentication and metered billing. He closes with how he teaches this hands-on at the Vibe Coding Retreat.Timestamps1:00 Why build it: “MCP shouldn't be Claude-only”—bridging MCP into n8n early (Dec/Jan)2:09 Shipping under the pseudonym nerding.io; surprise seeing creators use it2:25 n8n later ships its own MCP server/client; they nod to nerding.io & Simon3:59 “N8n is useful, but so much more useful with MCP”5:12 What MCP means for software: every smart company is exposing an MCP; new login/usage patterns6:27 Agentic Commerce Protocol (ACP): Stripe + OpenAI; agents checkout across the web8:02 Marketing to agents not humans? SEO shifts as agents comparison-shop9:10 Early “agent mode” attempts vs protocol-based purchases (less hacky)10:58 Likely adopters: platforms (Shopify) & big retailers; echoes of early MCP evolution14:11 Security realities: token passing evolved to OAuth; hallucination + destructive actions risk16:04 Personal mishap: agent ran supabase reset on a dev DB—imagine prod! Guardrails matter17:03 Designing MCP servers: don't just “wrap your API”; use resources/prompts for agentic UX19:04 Demo 1—Influencer MCP: index a YouTube channel, embed transcripts, ask questions in Claude20:54 Storage: embeddings into Postgres; per-channel tables24:46 Keeping it fresh: daily cron to ingest new videos25:18 Demo 2—Build n8n workflows from chat using N8N MCP (by Ramullet); live docs + API27:00 “Create a webhook → send leads to Sheets” built conversationally, with allow/deny prompts31:02 Zapier, Gumloop: agents that build automations via natural-language steps34:00 Next frontier: custom connectors (Claude/Cursor/OpenAI), OAuth auth flows for MCPs39:03 Turning MCPs into products: login with Twitter → Stripe subscription → metered billing41:12 Paid tool call demo: “paid echo” → Stripe usage event logged per user43:41 How to learn this fast: vibecodingretreat.com (small cohorts, hands-on builds)Tools & Technologies Mentioned (quick guide)MCP (Model Context Protocol) — Standard for connecting models to tools/data; supports tools, resources, prompts.n8n — Open-source automation platform; JD wrote an MCP node that went viral; also has native MCP server/client now.Claude / Cursor / OpenAI (custom connectors) — LLM IDEs/chats that can load MCPs; custom connectors enable OAuth + productized access.Agentic Commerce Protocol (ACP) — Early protocol (Stripe + OpenAI) for agent-initiated purchases with confirmations.Web MCP (W3C-oriented idea) — Emerging patterns for agent↔︎website interactions beyond human UI flows.OAuth — Secure, user-consented authentication for MCPs (vs passing raw tokens).Stripe (subscriptions + metered billing) — Attach billing/usage limits to MCP calls; track per-user consumption.YouTube API + Transcripts — Source data for the “Influencer MCP” indexing pipeline.Embeddings + Postgres — Store vectorized transcript chunks in Postgres for retrieval (JD self-hosts).Cron — Schedules daily ingestion of new content.Google Sheets — Target destination in demo for simple lead funnels.Zapier / Gumloop — Natural-language automation builders; early NLA/agent patterns.Git / CLI commands — Cautionary tale: agents running destructive commands (e.g., resets).Do Browser / Comet Browser — Agentic browsing tools referenced for web actions.Fellow.ai — AI meeting assistant with security-first design; generates precise summaries/action items.Subscribe at⁠ thisnewway.com⁠ to get the step-by-step playbooks, tools, and workflows.

WSDOT maintenance crews will close the eastbound SR 500 off-ramp to St. Johns Boulevard overnight Oct. 16–17 for guardrail repairs. Drivers should plan for alternate routes and expect delays during the closure. https://www.clarkcountytoday.com/news/plan-for-overnight-off-ramp-closure-on-eastbound-sr-500-for-guardrail-repairs-oct-16/ #WSDOT #VancouverWA #SR500 #Transportation #ClarkCounty #TrafficAlert #RoadClosure #Safety #TravelAdvisory #Maintenance

Unlocking Online Safety for Families in an AI WorldThis conversation delves into the critical intersection of child safety and artificial intelligence in today's digital landscape. The speakers discuss the importance of teaching children to navigate online spaces safely, the risks associated with social media, and the evolving nature of AI technology. They emphasize the need for common sense guardrails, the implications of identity theft, and the spread of misinformation. The discussion also touches on the future of AI regulation and the importance of education in safeguarding against cyber threats.Chapters00:00 Navigating Online Safety in an AI World02:35 The Intersection of AI and Child Safety05:29 Guardrails for Social Media and Parenting08:24 The Digital Footprint of Future Generations11:20 The Role of Social Media Companies14:18 The Risks of Identity Theft and Cybersecurity19:11 The Evolution of AI and Its Implications21:48 Jailbreaking AI: A New Frontier24:52 The Spread of Misinformation28:57 The Future of AI Regulation31:49 Preparing for an AI-Driven World34:43  AI and Cybersecurity35:30  AI, Cybersecurity, & Family Safety42:00  social media safetySend us a textGrowth without Interruption. Get peace of mind. Stay Competitive-Get NetGain. Contact NetGain today at 844-777-6278 or reach out online at www.NETGAINIT.com Support the show

Chuck Todd examines the mounting political and institutional strain as the government shutdown drags on — and why Democrats may need to declare a partial victory just to move forward. The episode explores how Trump’s rise has exposed deep vulnerabilities in the American system, from unchecked profiteering and politicized justice to the growing entanglement of big tech, big money, and government power. Todd breaks down the Democrats’ limited leverage, the GOP’s dependence on Trump’s engagement, and the urgent need for new constitutional and institutional guardrails. Plus, he looks at the emerging generational clash in the Democratic Party senate primary in Maine, as Janet Mills and Graham Platner become avatars for an “old vs. new” fight that could reshape the party’s future. Then, Chuck sits down with veteran Democratic strategist and data expert Tom Bonier to unpack one of the biggest political mysteries of the Trump era: why Democrats are losing voter registrations—and how the GOP got so good at winning them. From the fallout of the Bernie-Clinton primary to the brand erosion under Biden, Bonier traces how Democrats’ messaging, outsourcing, and demographic targeting have backfired while Republicans quietly built lasting grassroots infrastructure, particularly among younger and working-class voters. The conversation dives deep into the changing dynamics of party loyalty and political identity—why Gen Z and Latino voters are shifting, how Trump reactivated the “missing white vote,” and why college campuses have become unlikely conservative battlegrounds. Todd and Bonier also explore the Democrats’ shrinking Senate map, the Midwest’s populist tilt, and how data-driven strategies like “mixed mode” polling could determine which party defines the next generation of American politics. Finally, he gives his ToddCast Top 5 list of potential political comebacks where politicians could win their old seat back, then answers listeners’ questions in the “Ask Chuck” segment. Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win! Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 06:15 Democrats need to find a way to declare victory and end shutdown 07:30 Democrats drew attention to healthcare, but will see diminishing returns 08:15 Trump’s rise has exposed tremendous vulnerabilities in our system 09:45 There’s nobody in Trump’s feedback loop that will expose him to bad info 11:00 Democrats need how to learn to embrace small victories 13:30 Democrats only have the power to win the argument 15:15 Republicans won’t move without Trump engaging on shutdown 16:30 Trump takes victory lap on Israel, hard part is making agreement stick 17:30 If profiting off the presidency goes unchecked, we risk more in the future 18:45 Emoluments clause is not enough, need a constitutional amendment 19:30 Big tech, big money and the government have all become intertwined 22:00 Two big reforms that could help fix the democracy 24:00 We need to reform the Justice Department to prevent politicization 25:30 Companies that capitulated to Trump had the law on their side 27:00 The country needs to build new guardrails 28:00 Janet Mills vs Graham Platner will become avatars for “old vs new” 29:45 The older generation of Democratic leaders refuses to retire 31:30 If Mills wins, she’ll be the oldest freshman senator of all time 32:15 Graham Platner already has released attack ad against Mills 33:30 Platner vs. Mills will become a headache and money sink for Democrats 36:30 Tom Bonier joins the Chuck Toddcast 38:15 Where did trend of Democrats shedding voter registrations begin? 39:15 Bernie/Clinton primary was when Dem brand took initial hit 40:30 Downturn in Dem brand came during Biden's four years 42:15 Democrats outsource their registration efforts more than GOP 43:30 Registration efforts targeted friendly demographics 44:30 Registered partisan turnout between 20' and 24' was 1 point 45:30 What can Dems learn from Republicans registration tactics? 46:30 The 2012 GOP autopsy was right, but didn't foresee Trump 47:15 Obama's campaign targeted younger voters & won 48:00 GOP created a consistent presence on college campuses 48:45 For Gen Z, their first interaction with government was Covid 49:30 Gender gap amongst younger voters was 25+ points 50:30 Trump won big with voters who don't consume much news 52:00 Why Gen X became the generation that most supports Trump 53:00 When someone registers for a party, that tends to stick 55:00 Trump brought out the "missing white vote" 56:00 Dems dominating with higher educated, higher propensity voters 57:45 Younger white men are overwhelmingly registering Republican 59:30 Younger voters are generally registering as unaffiliated 1:00:45 Are Dems counting on Trump voters only showing up for Trump? 1:01:30 Climate looks similar to 17' except Dems are more unpopular 1:02:30 What is causing the Democrats "brand problem"? 1:03:15 Voters didn't know about Biden's accomplishments 1:04:30 The importance of branding your agenda 1:05:30 Are there a "hard 7" number of swing states, or could others join? 1:07:00 Texas trending more blue, Florida trending more red 1:07:45 Migration patterns have made Florida tough for Democrats 1:08:30 Democrats have almost no margin for error to win the senate 1:09:15 What 4-6 states should Dems target to expand senate map? 1:11:30 Is the midwest out of reach for Dems for a generation? 1:12:45 Midwest voters are populist more than D or R 1:14:00 How and where can Dems stem losses in blue states? 1:15:45 Voter mobilization is easier to fix than persuasion 1:16:30 Why have Georgia and Arizona become more friendly to Dems? 1:17:45 API voters swung toward Trump in 24' but are swinging back 1:18:30 Latino voters are economically sensitive and more swingySee omnystudio.com/listener for privacy information.

Chuck Todd examines the mounting political and institutional strain as the government shutdown drags on — and why Democrats may need to declare a partial victory just to move forward. The episode explores how Trump’s rise has exposed deep vulnerabilities in the American system, from unchecked profiteering and politicized justice to the growing entanglement of big tech, big money, and government power. Todd breaks down the Democrats’ limited leverage, the GOP’s dependence on Trump’s engagement, and the urgent need for new constitutional and institutional guardrails. Plus, he looks at the emerging generational clash in the Democratic Party senate primary in Maine, as Janet Mills and Graham Platner become avatars for an “old vs. new” fight that could reshape the party’s future. Finally, he gives his ToddCast Top 5 list of potential political comebacks where politicians could win their old seat back, then answers listeners’ questions in the “Ask Chuck” segment. Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win! Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 02:15 Democrats need to find a way to declare victory and end shutdown 03:30 Democrats drew attention to healthcare, but will see diminishing returns 04:15 Trump's rise has exposed tremendous vulnerabilities in our system 05:45 There's nobody in Trump's feedback loop that will expose him to bad info 07:00 Democrats need how to learn to embrace small victories 09:30 Democrats only have the power to win the argument 11:15 Republicans won't move without Trump engaging on shutdown 12:30 Trump takes victory lap on Israel, hard part is making agreement stick 13:30 If profiting off the presidency goes unchecked, we risk more in the future 14:45 Emoluments clause is not enough, need a constitutional amendment 15:30 Big tech, big money and the government have all become intertwined 18:00 Two big reforms that could help fix the democracy 20:00 We need to reform the Justice Department to prevent politicization 21:30 Companies that capitulated to Trump had the law on their side 23:00 The country needs to build new guardrails 24:00 Janet Mills vs Graham Platner will become avatars for "old vs new" 25:45 The older generation of Democratic leaders refuses to retire 27:30 If Mills wins, she'll be the oldest freshman senator of all time 28:15 Graham Platner already has released attack ad against Mills 29:30 Platner vs. Mills will become a headache and money sink for Democrats 32:30 Chuck's thoughts on interview with Tom Bonier 33:30 ToddCast Top 5 - Most Likely Political Comebacks 35:00 #1 Jesse Jackson Jr. 37:00 #2 Cori Bush 38:15 #3 John E. Sununu 41:15 #4 Sherrod Brown 42:15 Honorable mentions 43:00 #5 Javier Suarez 49:15 Ask Chuck 49:30 Why aren't presidential debates moderated as vigorously as local debates? 53:45 What are legal repercussions for violations of the HATCH Act? 59:00 Appreciation for interview with Paul Glastris on higher education 1:01:30 What is likely for Universal Basic Income as AI takes jobs?See omnystudio.com/listener for privacy information.

Jason Averbook and Jess Von Bank explore various themes surrounding AI, HR, and the future of work. They discuss the importance of critical thinking, the evolving role of education in the age of AI, and the necessity of data quality in HR practices. The conversation also touches on the significance of skills versus traits, the impact of AI on job markets, and the need for guardrails in AI usage. The hosts share personal anecdotes and insights, making the discussion relatable and thought-provoking.

Reed Smith's Jason Garcia, Gerard Donovan, and Tyler Thompson are joined by Databricks' Suchismita Pahi and Christina Farhat for a spirited discussion exploring one of the most urgent debates of our era: Should AI be regulated now, or are we moving too fast? Settle in and listen to a dynamic conversation that delves into the complex relationship between innovation and regulation in the world of artificial intelligence.

State lawmakers are back in Springfield for the Illinois General Assembly's fall veto session. Some Democrats are exploring their options for putting guardrails on what ICE can do. Also potentially on the agenda is funding for mass transit, home insurance rates, and soaring energy bills.

MY NEWSLETTER - https://nikolas-newsletter-241a64.beehiiv.com/subscribeJoin me, Nik (https://x.com/CoFoundersNik), as I sit down with Elizabeth Knopf (https://x.com/leveragedupside). This week, we troubleshoot some of my biggest frustrations with using the Claude Code interface. As a business owner trying to leverage AI for development, I was wasting hours "chunking" my prompts because I thought the system couldn't handle long text.Liz drops a truth bomb that saved my week: that short number in the terminal is just shorthand, and Claude actually knows the full prompt. We also tackle the ultimate annoyance: when the chat gets too long and forces a new context.Liz shares her setup for automatically generating a log file and a reusable context document to maintain conversational memory across sessions. If you're juggling multiple projects, we also talk about why a clean file structure is non-negotiable. Plus, Liz reveals the power of planning mode for complex ideation and hints at her grand vision for building an AI brain that ingests all your data, from RSS feeds to Google Drive notes.Questions This Episode Answers:1. How can I stop the Claude Code chat from getting "too long" and losing context?2. How does using planning mode help with ideation and complex reasoning?3. Do I need to break up long prompts if Claude Code pastes them as short numbers (e.g., "23")?4. Why is setting up a proper file structure essential when running multiple Claude projects?5. What slash command can I use to undo recent changes or mistakes?Enjoy the conversation!__________________________Love it or hate it, I'd love your feedback.Please fill out this brief survey with your opinion or email me at nik@cofounders.com with your thoughts.__________________________MY NEWSLETTER: https://nikolas-newsletter-241a64.beehiiv.com/subscribeSpotify: https://tinyurl.com/5avyu98yApple: https://tinyurl.com/bdxbr284YouTube: https://tinyurl.com/nikonomicsYT__________________________This week we covered:00:00 Introduction to OpenAI's Agent Builder03:05 Understanding Agents vs. Automation05:48 Navigating the OpenAI Interface09:09 Exploring Use Cases and Templates11:57 Building a Research Bot with Agent Builder14:49 Guardrails and Safety in Agent Workflows18:04 Live Demo: Data Enrichment Use Case20:55 Sentiment Analysis on Social Media23:48 Challenges and Limitations of Agent Builder27:05 Comparing Agent Builder with Other Tools29:52 Future Potential and User Experience33:03 Conclusion and Call to Action

Coleton began with a piercing question: “How much do you think Jesus agrees with the way you live your life?” He invited listeners to imagine Jesus observing everything—how they spend time and money, how they treat people, what they watch, post, and prioritize. Would Jesus agree with most of it, or would He find much to challenge and correct? Coleton quoted author Anne Lamott: “You can safely assume you've created God in your own image when it turns out that God hates all the same people you do.” Then he adapted it: “You can safely assume you've created God in your own image when it turns out that God agrees with everything you do.” He reminded the congregation that Jesus does disagree with us—and that it's not a mark of rejection but of love. Since He is infinite, holy, and perfect, and we are finite and sinful, it only makes sense that His view of our lives will often clash with ours. “Jesus' disagreement with sin in our lives led to the most loving act anyone could do for another person—to lay down His life for them.” Coleton emphasized that in our culture, disagreement is often seen as unloving—but Scripture teaches the opposite. Jesus loves us enough to confront what destroys us. The key question, then, becomes: “What is your response when Jesus disagrees with you?” From Mark 11:27–33, Coleton showed three wrong ways to respond when Jesus disagrees with us—and one right one. 1. Questioning Jesus' Authority (vv. 27–28) “By what authority are you doing these things?” they asked. “And who gave you authority to do this?” The religious leaders asked Jesus this because He had just cleansed the temple and publicly called them out as a “den of robbers.” They weren't questioning because they were curious—they were questioning because He disagreed with them. Coleton said: “If Jesus had agreed, they wouldn't have questioned. They would have used Him to prove their points.” And we do the same. When a verse affirms our views or lifestyle, we post it, memorize it, and celebrate it. But when Scripture disagrees with us—when it calls out sin, pride, greed, gossip, or unforgiveness—we tend to ignore it, reinterpret it, or go silent. “We question His authority by avoiding the verses that disagree with us.” Coleton illustrated this with historical examples of people literally cutting parts out of the Bible: Thomas Jefferson's Bible, which removed miracles and Jesus' divinity. The “Slave Bible,” edited by slave owners to remove verses about freedom and equality. The Nazi Bible, which stripped out all Jewish references and messages of mercy. “They didn't argue that the verses were untrue—they just silenced them.” Then he asked a haunting question: “If a Bible were written based on your life, what would it include—and what would it exclude?” He called this the “MPT”—My Personal Translation—the version of the Bible where “Jesus agrees with every decision I make.” Reflection We may not use scissors like Jefferson, but we do it subtly in our hearts—ignoring passages like: “Forgive as you've been forgiven.” “Love your enemies.” “Give sacrificially.” “Do not gossip.” “Live at peace with everyone.” Coleton challenged listeners to ask: “Where do you question Jesus by simply silencing verses that disagree with you?” 2. Seeking to Discredit Jesus (v. 28) Coleton explained that the religious leaders' question wasn't sincere—it was a trap. “They don't actually want to know. They're trying to find a reason not to listen.” William Lane, in his commentary, observes: “Whatever answer Jesus gives, the conclusion is the same: He must be arrested. If He attests that His authority is from God, the charge is blasphemy. If He claims secular authority, the charge is insurrection.” Their goal wasn't truth—it was to discredit Jesus so they wouldn't have to change. “They knew they couldn't disprove Him, so they tried to discredit Him.” Coleton drew a parallel to how we do the same today—finding reasons why Jesus' words don't apply to us: The Feels – “That doesn't feel right.” Your Truth – “That might be true for you, but not for me.” The Snowflake Situation – “My situation is different.” The Cultural Argument – “That was for a different time.” Proof-texting – Quoting a verse out of context to justify sin. Minimizing – “It's not a big deal; God will forgive me.” Justifying – “They made me do it. I deserve this.” Comparison – “At least I'm not as bad as that person.” Calling the Bible Outdated – “That doesn't fit in the modern world.” He quoted Tim Keller: “Society makes judgments through what C.S. Lewis called ‘chronological snobbery,' assuming that whatever has gone out of date is discredited.” Coleton said: “All of these are ways we say, ‘I don't have to do that because…'” And every time we do, we're discrediting Jesus' authority in our lives. We're finding clever excuses to stay unchanged. He asked pointedly: “Where do you say to God's Word, ‘That doesn't apply to me because…'?” 3. Refusing to Admit You're Wrong (vv. 29–33) When Jesus asks about John's baptism, the religious leaders discuss it among themselves and say: “If we say ‘from heaven,' He'll ask why we didn't believe him. If we say ‘of human origin,' the people will turn on us.” So they choose neither—they simply say, “We don't know.” Coleton summarized: “They refused to admit they were wrong.” Their hearts were hardened by pride and self-protection. They cared more about image and position than about truth. “So they go with, ‘We're not wrong. We just don't know.'” Coleton explained that we often react the same way: Some get angry, scaring others away from confronting them. Some get quiet and hurt, shutting down correction. Some deny or deflect, blaming others. Some avoid anyone who might challenge them—skipping counseling, ignoring Scripture, cutting off truth-tellers. “If you never admit you're wrong, you'll never grow, never change, never heal.” He pointed out that the story ends abruptly—no one changed, nothing improved—and that's what happens to us when we refuse correction. “Places where we're desperate for change—healing, reconciliation—will stay the same if we refuse to be wrong.” Whether it's in marriage, parenting, finances, or character, refusing to be wrong means refusing to be transformed. Conclusion: Jesus Disagrees Because He Loves You Coleton closed with a tender image: “Jesus disagrees with you the way a guardrail disagrees with a car about to go off a cliff.” Guardrails aren't there to restrict—they're there to protect. “He disagrees with you not to hurt you, but to help you.” He compared it to fatherhood: “When my son Teddy was little, I disagreed with his desire to crawl or stay in diapers. Not because I'm cruel—but because I love him and want him to grow.” That's how Jesus treats us. He disagrees with our sin because He wants us to mature and flourish. The cross is the greatest example: “The cross shows how much He disagrees with sin—someone had to die for it. But it also shows how much He loves us—He took the punishment Himself.” His disagreement isn't rejection—it's redemption. He corrects us not to restrict our joy, but to lead us to real joy. “There are things He wants to do in your life—things you've prayed for—but you and Jesus disagree on how to get there.” So instead of questioning Him, discrediting Him, or refusing to be wrong—respond with humility. “Let Him disagree with you. Let Him lead you from something lesser into something better.” Discussion Questions What areas of your life do you think Jesus would most disagree with, and why do you think those areas are hard to surrender? Which of the three wrong responses—questioning, discrediting, or refusing to admit wrong—do you most identify with? Can you think of a time when Jesus' disagreement actually led to your growth or freedom? Why is it difficult for us to believe that disagreement and love can coexist—and how does the cross change that perspective? What practical step could you take this week to respond to Jesus' correction with humility instead of defensiveness?

We continue in the Peak Experiences series, this time unpacking the Ten Commandments. Learn how God's laws are not restrictive control but guardrails of grace and love designed to protect and guide people to freedom. We explore how God is establishing a relationship, not just regulation. We'll see how the Law acts as a mirror, revealing our need for grace and pointing us to Jesus, who fulfilled every command so we can draw near to God with confidence. God's way is as the pathway to life and a renewed relationship with Him. Speaker: Will Coleman

We continue in the Peak Experiences series, this time unpacking the Ten Commandments. Learn how God's laws are not restrictive control but guardrails of grace and love designed to protect and guide people to freedom. We explore how God is establishing a relationship, not just regulation. We'll see how the Law acts as a mirror, revealing our need for grace and pointing us to Jesus, who fulfilled every command so we can draw near to God with confidence. God's way is as the pathway to life and a renewed relationship with Him. Speaker: Will Coleman

What does it take to build an unbreakable marriage? How can a man set boundaries that protect his integrity, his faith, and his family? In this week's message, Pastor Jim Ramos shares his journey behind writing his new book, Guardrails: 10 Boundaries for an Unbreakable Marriage — releasing April, 2026. Designed for both married and single men, this book lays out practical, biblical boundaries that prevent moral failure and strengthen relational trust. Today, you'll walk away with Biblical wisdom for staying faithful and accountable along with a framework for living above reproach in every area of life. This message is from The MAG, The McMinnville Area Gathering for men in McMinnville, Oregon. This episode is sponsored by MTNTOUGH Fitness Lab, a Christian-owned fitness app. Get 6 weeks free with the code ARENA30 at MTNTOUGH.com. Every man needs a locker room. Join a brotherhood of like-minded men in The Locker Room, our bi-monthly live Zoom Q&A call! We meet in the Locker Room twice a month for community, fellowship, laughter, and to help each other find biblical answers to life's difficult questions. Sharing community with these amazing men is one of the most enjoyable things I do. - Jim Ramos https://patreon.com/themeninthearena Get Jim Ramos' USA TODAY Bestselling book, Dialed In: Reaching Your Full Capacity as a Man of God (https://tinyurl.com/dialedinbook) 

The economy may be democracy's last hope. Beneath calm headlines, inflation persists and wealth accumulates. The numbers reveal what matters most. Read More: www.WhoWhatWhy.org

Artificial intelligence is transforming education, and compliance is no exception. In this episode, we discuss how AI is influencing Title IX and Title VI work, from investigations and training to how students search for information about their rights. We begin with a look behind the scenes at ICS, including updates on community partner renewals, new training opportunities, and upcoming Title VI Coordinator courses. From there, we explore three key questions: How is AI changing where students and staff find compliance resources? Can AI tools safely support Coordinators and investigators in their daily work? And how might parties or advisors use AI in Title IX cases? Throughout, we emphasize the importance of accuracy, accessibility, and oversight, reminding listeners that human judgment and empathy must remain at the core of every compliance process. Tune in for practical ways to navigate AI's growing role in education. Key Points From This Episode: Behind the scenes: The busy renewal season for ICS and Community Partners. Popular resources and tools available to ICS Community Partners. Details of our spring training calendar, including the “Compliance Core Four” courses. Live training in Dallas covering compliance essentials for K–12. The growing relevance of AI in Title IX and Title VI compliance. Three focus areas: opportunity and risk, student access, and advisor use. How AI is changing where students and staff search for resources. The risk of misinformation when AI can't locate school policies. Steps for improving website accessibility and plain-language content. How AI tools can support coordinators through transcription and summarization. Guardrails for safe and ethical AI use in compliance work. Risks of bias, overgeneralization, inaccuracy, and loss of context in AI outputs. How parties and advisors may be using AI to prepare Title IX cases. Potential fairness and confidentiality challenges posed by AI-assisted work. Why human judgment, empathy, and expertise remain central to compliance. Practical takeaways for preparing your institution for AI's growing role. Links Mentioned in Today's Episode: Tuesday Takeaways on LinkedIn Tuesday Takeaways Archive ICS Lawyer  Higher Ed Community Access K-12 Community Access Higher Ed Virtual Certified IX Training K-12 Virtual Certified Title IX Training ICS Blog Courtney Bullard on X  Learn about Becoming a Community Partner  

In this episode, business psychologist, emotional intelligence expert, and founder of Ei4Change, Dr. Robin Hills, shares how to stay grounded in human-centered leadership while navigating the rise of AI and embracing the opportunities it brings. We explore the emotional and ethical limits of AI, and why critical thinking, empathy, and purpose-driven leadership matter now more than ever. "AI is not a crisis, it's an opportunity. We've got to recognize it as a tool, work with it, and understand what it can and – perhaps more importantly – cannot do." Ready to lead with purpose in the age of AI? Tune in to this powerful episode and discover how to harness emotional intelligence, rethink leadership, and future-proof your impact. Listen now and start leading differently.

The opening month of the 2025-26 academic year has been marked by hiccups, from SEPTA service interruptions to the threat of ICE raids. How much does Dr. Tony Watlington Sr. attribute these factors to a year-to-year enrollment dip in the School District of Philadelphia? KYW Newsradio Education Reporter Mike DeNardo covers this topic, plus agenda items for the district's next "Goals and Guardrails" meeting. 00:00 Explaining the enrollment dip 02:40 What's on tap for next "Goals and Guardrails" meeting? Have a question for Dr. Watlington? Email us at afterschool@kywnewsradio.com and listen for a response on future episodes of "After School!" To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

When we discuss artificial intelligence, what metaphors do we use to illustrate what we mean? Is artificial intelligence some sort of robot—like Ultron—or is it an organism—like a beehive? What happens to our expectations, our thinking, and our conclusions when we change these metaphors, say, from an entitative metaphor (say, an agent) to a relational metaphor (say, belonging to our work network)? We discuss these points with and who wrote a very interesting paper on how management scholars think about artificial intelligence.   Episode reading list Ramaul, L., Ritala, P., Kostis, A., & Aaltonen, P. (2025). Rethinking How We Theorize AI in Organization and Management: A Problematizing Review of Rationality and Anthropomorphism. Journal of Management Studies, . Berente, N., Gu, B., Recker, J., & Santhanam, R. (2021). Managing Artificial Intelligence. MIS Quarterly, 45(3), 1433-1450. Alvesson, M., & Sandberg, J. (2020). The Problematizing Review: A Counterpoint to Elsbach and Van Knippenberg's Argument for Integrative Reviews. Journal of Management Studies, 57(6), 1290-1304. Berente, N. (2020). Agile Development as the Root Metaphor for Strategy in Digital Innovation. In S. Nambisan, K. Lyytinen, & Y. Yoo (Eds.), Handbook of Digital Innovation (pp. 83-96). Edward Elgar. Pepper, S. C. (1942). World Hypotheses: A Study in Evidence. University of California Press. Brynjolfsson, E., Li, D., & Raymond, L. R. (2025). Generative AI at Work. The Quarterly Journal of Economics, 140(2), 889-942. Russell, S. J., & Norvig, P. (2010). Artificial Intelligence: A Modern Approach (3rd ed.). Prentice Hall. Jarrahi, M. H., & Ritala, P. (2025). Rethinking AI Agents: A Principal-Agent Perspective. California Management Review Insights, . Boxenbaum, E., & Pedersen, J. S. (2009). Scandinavian Institutionalism – a Case of Institutional Work. In T. B. Lawrence, R. Suddaby, & B. Leca (Eds.), Institutional Work: Actors and Agency in Institutional Studies of Organizations (pp. 178-204). Cambridge University Press. Iivari, J., & Lyytinen, K. (1998). Research on Information Systems Development in Scandinavia-Unity in Plurality. Scandinavian Journal of Information Systems, 10(1), 135-186. Alvesson, M., & Sandberg, J. (2024). The Art of Phenomena Construction: A Framework for Coming Up with Research Phenomena beyond ‘the Usual Suspects'. Journal of Management Studies, 61(5), 1737-1765. Brunsson, N. (2003). The Organization of Hypocrisy: Talk, Decisions, and Actions in Organizations. Copenhagen Business School Press. Floyd, C., Mehl, W.-M., Reisin, F.-M., Schmidt, G., & Wolf, G. (1989). Out of Scandinavia: Alternative Approaches to Software Design and System Development. Human-Computer Interaction, 4(4), 253-350. Grisold, T., Berente, N., & Seidel, S. (2025). Guardrails for Human-AI Ecologies: A Design Theory for Managing Norm-Based Coordination. MIS Quarterly, 49, . Forster, E. M. (1909). The Machine Stops. The Oxford and Cambridge Review, November 1909, .   

Artificial intelligence is reshaping drug safety, but governance is just as critical as innovation, according to Marie Flanagan of IQVIA Safety Technologies. Speaking on The Top Line podcast, Flanagan said responsibility for AI in healthcare must be shared across compliance, technology, business teams and regulators. Strong governance, she said, ensures AI systems are ethically designed, technically validated, transparent and adaptable to continuous oversight. Organizations can prepare by grounding their strategies in guiding principles such as human oversight, fairness and accountability, Flanagan said. She emphasized the need to embed governance in AI design from the start, rather than adding controls later. Compliance teams, she added, can shift from being seen as barriers to acting as enablers of safe innovation. From constant monitoring to feedback loops, the conversation highlights practical steps for managing AI in life sciences. Hear the full episode of The Top Line for a deeper look at how companies can balance innovation and responsibility.See omnystudio.com/listener for privacy information.

In this episode, we dive into Pastor Troy's message on the beauty of boundaries and the freedom they bring. Boundaries aren't prison walls, they're God's guardrails to guide and protect us. We also talk about the danger of unforgiveness, how it can trap us, and why forgiveness, towards others and ourselves, is essential for living in true freedom. Join us as we unpack practical examples, personal stories, and biblical truth that will challenge and encourage you to walk in God's protection and grace.

As Artificial Intelligence technology develops, and as nations vie for technical dominance, the UN has been considering its role. On Today's Show:Vilas Dhar, president of the Patrick J. McGovern Foundation and member of the UN Secretary-General's Advisory Body on AI, talks about the two new institutions created by the United Nations to study and discuss the risks and opportunities of artificial intelligence, and his goals for governing this emerging technology so that it serves the public good.

Brad welcomes Aubrey Williams, a financial advisor and member of the ChooseFI community. They discuss innovative strategies for financial independence (FI), focusing on flexible withdrawal rates, dynamic spending adjustments using historical analysis, and how adopting a more adaptable mindset can potentially lead to earlier FI. Timestamps & Discussion Topics: 00:00:00 Intro to Financial Independence Overview of the FI journey and the community's philosophy. 00:03:00 Aubrey's Background Aubrey shares his journey from a corporate career to becoming a financial advisor, emphasizing experiences with the FI community. 00:15:00 Understanding Withdrawal Rates Discussion on the traditional 4% withdrawal rule and its limitations; the importance of knowing what your portfolio should allow you to spend. 00:18:04 The Forces Influencing Spending Recognizing the various external influences that shape financial decisions and how awareness can help mitigate these. 00:29:57 Community Engagement—CampFI and Meetups The value of attending CampFI and other local FI meetups for motivation and networking, enhancing personal journeys toward financial independence. 00:53:00 Risk-Based Guardrails Explained Introducing the concept of risk-based guardrails to adjust spending dynamically based on portfolio performance. Key Quotes: "Adjusting spending when your portfolio hits a certain number is key for financial confidence. Historical analysis provides the guidance you need." - Aubrey (00:20:18) "Stay aware of the powerful forces that influence your financial decisions." - Aubrey (00:18:04) "Reaching FI requires a mindset shift towards thoughtful spending." - Aubrey (00:38:26) Actionable Takeaways: Understand Your Spending: Regularly evaluate your monthly expenses to identify areas to cut back, as small reductions can significantly lower your FI target. Utilize Historical Analysis Tools: Use resources like FIREcalc or Engaging Data to guide your financial decisions and explore various withdrawal strategies. Engage with the Community: Attend local meetups or events like CampFI to build relationships with others on a similar path, gaining insights and encouragement. Related Resources: Open Path Financial - Financial planning services by Aubrey. CampFI - Community events for personal finance enthusiasts. Projection Lab - Financial modeling tools. Discussion Questions: How can adjusting your spending habits affect your journey towards financial independence? What are some effective strategies for managing your withdrawal rate in retirement? How can community gatherings like CampFI enhance your understanding of financial independence? Action Items: Calculate your FI number based on your current expenses and savings rates. Download resources provided at Open Path Financial to better understand risk-based guardrails. Join a local FI meetup to connect with others and share insights about your financial journey. This episode provides insightful perspectives on achieving financial independence through flexible spending and community engagement. Listeners are encouraged to adopt a more dynamic approach to their finances, making use of historical tools and community resources to enhance their journey toward FI.

Former Special Counsel in the Trump investigations, Jack Smith, speaks at length about the weaponization of the department of justice at an event at George Mason University.Trump Administration officials push to fire the US Attorney in the Eastern District of Virginia over his refusal to indict NYAG Tish James and former FBI Director Jim Comey.A trial jury finds a Los Angeles protestor not guilty of assaulting a Border Patrol Agent; and another assault case is dismissed in the District of Columbia.The Department of Justice quietly deletes a study on the politics of domestic violence amid calls from Todd Blanche to investigate Trump protestors. Plus listener questions…Do you have questions for the pod? Follow AG Substack|MuellershewroteBlueSky|@muellershewroteAndrew McCabe isn't on social media, but you can buy his book The ThreatThe Threat: How the FBI Protects America in the Age of Terror and TrumpWe would like to know more about our listeners. Please participate in this brief surveyListener Survey and CommentsThis Show is Available Ad-Free And Early For Patreon and Supercast Supporters at the Justice Enforcers level and above:https://dailybeans.supercast.techOrhttps://patreon.com/thedailybeansOr when you subscribe on Apple Podcastshttps://apple.co/3YNpW3P Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.