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In this week's episode, Phil EuBank sits down with Pastor Matt Summers to dive into Sunday's message, The System of Merit. Framing Roman Catholicism as our theological parent in the Christian family tree, they explore how a system built on human merit, sacraments, and tradition can subtly turn faith into a tollbooth or a self-funded spiritual insurance policy. Together, Phil and Matt discuss the core contrasts of the Protestant Reformation, specifically Sola Scriptura (Scripture alone) and salvation by grace alone through faith alone. Drawing from Phil's childhood friendship with a local priest named Father Michael, they highlight the vital need to hold deep conviction without losing the humble, loving posture of Jesus. They also turn the mirror on Protestant culture, exposing the invisible performance tolls we often pay when we try to earn God's love or blame ourselves during life's hardships. Listen to the Menlo Midweek Podcast Tune into new episodes released every Wednesday as we break down Sunday's sermon, share behind-the-scenes insights, and discuss practical ways to live out our faith. Listen now at menlo.church/podcasts.

What does it mean to be set apart?"Clean and Unclean" is an anthem about walking in God's truth, refusing compromise, and embracing the holiness He calls His people to live. Inspired by Scripture's distinction between the clean and the unclean, this song reminds us that God's Word doesn't change with culture.Listen now and be encouraged to walk faithfully in the narrow way.

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In this week's episode, host Peter Sherman sits down with Spiritual Formation Pastor Matt Summers to unpack Sunday's message, The Ladder of Modern Prophets. In the LDS system, salvation is often framed as a partnership where we provide maximum effort and God provides the supplement. But striving to follow laws, ordinances, and temple works to achieve exaltation creates an exhausting, moving finish line. It leaves us trapped in the anxiety of never knowing if we have done enough to qualify for God's presence. Together, Peter and Matt explore the contrast offered by the gospel. Grace is not a top-off to patch up our performance, and the work of Jesus is not a supplement to our effort; it is a total substitute for it. Instead of climbing a spiritual ladder to prove our value, we discover the life-changing freedom of stepping off the performance loop and living from the worth Jesus has already given us. Listen to the Menlo Midweek Podcast Tune into new episodes released every Wednesday as we break down Sunday's sermon, share behind-the-scenes insights, and discuss practical ways to live out our faith. Listen now at menlo.church/podcasts.

Oil hit $120 a barrel during the last Iran conflict. Today it's sitting around $80... during the SAME kind of conflict. That gap is the whole story for where mortgage rates go next, and I break down exactly why in today's video.I also walk through the two things the Federal Reserve actually cares about (inflation and jobs), what last week's data really showed, and why I'm telling you there's basically a 100% chance the Fed does nothing at next week's meeting. Then I get into what I'm personally telling my clients to do right now if you're under contract, or if you're planning to buy later this year.Stick around to the end, I show you the exact tools I use every single day to track this stuff myself, and how you can use them too.

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What if grace isn't a reward for climbing a religious ladder, but a gift that meets you right at the bottom? Pastor of Spiritual Formation Matt Summers continues our Let's Be Honest series by exploring the theology of the Latter-day Saints Church and the idea of grace after all we can do. In a system where salvation is treated as a partnership of human effort and divine supplement, it is easy to get trapped in the anxiety of never knowing if you have done enough. While modern prophets offer frameworks to reach godhood, Christianity points to a God who came down the ladder to reach us. Instead of an endless checklist of requirements, the gospel offers the life-changing freedom of a grace that cannot be earned. We look at the core differences regarding who God is, who Jesus is, and how we are saved, discovering that our worth does not live on the next rung of performance. Join us as we learn to trade striving for the security of a Savior, realizing that when the frameworks falter, Jesus alone is enough. Listen to the Menlo Midweek Podcast Want to dive deeper into this week's message? Tune into the Menlo Midweek Podcast, released every Wednesday, where we break down the major themes and share behind-the-scenes personal insights that didn't make it into Sunday's sermon. Listen now at menlo.church/podcasts. Need Prayer or Have Questions? Text Our Team (650) 600-0402 Connect With Us Follow Us on Social Media Instagram: @menlo.church Facebook: Menlo Church Website: http://www.menlo.church Musicbed Sync ID: (MB014RCECFXJCWL) | (MB01EKBUICB4NLC)  

Mortgage rates, inflation data, and Federal Reserve rate expectations all came together this week. Consumer inflation (CPI) and producer inflation (PPI) both came in negative, yet markets are still pricing in a possible Fed rate hike — Dan breaks down why the numbers and the Fed's next move don't seem to line up, what's coming next week before the Fed meeting, how oil prices tie into mortgage rates, and why he thinks rates could test their lows again soon.00:00 Intro: Why the Fed hike talk doesn't add up 01:35 This week's inflation and jobs data 03:45 What's coming next week before the Fed meets 05:45 Fed rate hike odds and closing outlook

We are continuing our summer series, Let's Be Honest, a thoughtful, humble exploration of what it means to navigate faith, culture, and big intellectual questions today. This week, host Matt Summers sits down with Brett Koerten for an honest, deeply respectful look at Buddhism. Instead of relying on easy stereotypes, they start with a deeply human question we all face: why life feels unstable and why even the good things in this world never seem to last. Using the metaphor of two glasses—one empty, one full—they explore how different paths approach this universal ache. While Buddhism focuses on emptying ourselves of cravings to find peace, Christianity offers a completely different hope. You see, Christianity has an emptying too. But instead of that emptying being a requirement by us to receive freedom, in Jesus, God emptied himself to enter our suffering, take it upon himself, and make us whole.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrIs Columbus, Georgia one of the most overlooked rental property markets in the Southeast?

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrIs Columbus, Georgia one of the most overlooked rental property markets in the Southeast?

Can forest landowners deduct residual soil fertility as some farmers do? In this episode, Shaun and Brady examine the growing interest in the residual fertility tax deduction, explain the relevant IRS tax provisions, and discuss why these strategies may apply to agriculture but generally not to forestry. They also cover the legal uncertainty surrounding aggressive soil nutrient deductions and what forest landowners should know before pursuing them. Special Thanks to Dr. Yanshu Li at The University of Georgia for providing section code interpretation and Kristine Tidgren, Director of the Center for Agricultural Law and Taxation, for her very helpful work in this area that was used for the background and relevant cases discussed in the episode.  Have Questions? If you've encountered this issue in practice or have experience with residual fertility deductions in forestry or agriculture, the hosts would love to hear from you. Email: TimberUniversity@gmail.com

We are kicking off week two of our summer series, Let's Be Honest, a thoughtful, humble exploration of what it truly means to navigate faith, culture, and big intellectual questions in today's world. Host Matt Summers sits down with Menlo Church Lead Pastor Phil EuBank to take an honest, respectful look at Islam. Together, they discuss the critical importance of engaging with other worldviews on their own terms—seeking to understand the strongest, most intelligent form of what another faith actually teaches rather than knocking down weak, uncharitable caricatures. Phil pulls back the curtain on his own inbox to share the raw, tension-filled feedback he receives from both sides of the conversation, using it to highlight how difficult yet vital it is to thread the needle of truth and love in our local communities. The conversation dives deep into the heart of the weekend message, contrasting two fundamentally different documents: the "report card" of performance versus the "birth certificate" of identity. While the five pillars of Islam demand an admirable, rigorous level of human effort, discipline, and devotion, they ultimately leave even their greatest prophets facing a ledger of profound spiritual uncertainty. Matt and Phil explore how the radical promise of Jesus completely upends the scales of behavior modification. Instead of offering a manual or an oppressive checklist to measure up, the Gospel offers an invitation to abide daily in a living relationship with a Savior who already overcame the grave to secure who we are.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrAre you taking full advantage of the tax strategies available to real estate investors?

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrAre you taking full advantage of the tax strategies available to real estate investors?

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrCan a busy physician with a demanding career and two young children realistically build a rental property portfolio? In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement investor Colin to discuss how he went from exploring Airbnb investments to owning two long-term rental properties—and preparing for his next acquisition. Colin explains why the operational demands of short-term rentals did not fit his lifestyle, how turnkey real estate helped him invest outside his local market, and why having an experienced team made his second purchase dramatically easier than his first.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrCan a busy physician with a demanding career and two young children realistically build a rental property portfolio? In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement investor Collin to discuss how he went from exploring Airbnb investments to owning two long-term rental properties—and preparing for his next acquisition. Collin explains why the operational demands of short-term rentals did not fit his lifestyle, how turnkey real estate helped him invest outside his local market, and why having an experienced team made his second purchase dramatically easier than his first.

A “Yes” to God rarely starts as a lightning bolt. More often, it shows up as a quiet invitation, a repeated nudge, a desire you did not manufacture but cannot ignore. We start with a simple question: How do you recognize an invitation from God?  How do you tell the difference between your own impulse and the Holy Spirit drawing you into something deeper?From there, we dig into Agapao and why it matters for real life, not just theology. We walk through the four movements of divine love: Agape gives first, pursues without quitting, Agapetos names us as God's beloved, Agapeton forms us into a usable vessel, and then Agapao flows outward through us to others. If you feel stuck in performance, burnout, or constantly trying to “get it right,” this framework reframes spiritual growth as an encounter rather than achievement.Then we stand with Peter in John 21, on the shore at dawn, where Jesus restores the disciple who denied him. The details matter: Jesus calls him “Simon,” asks hard questions with surprising gentleness, and even meets Peter at the level of love (phileo) he can honestly offer. The moment becomes a blueprint for Christian restoration, identity, and calling, ending with a commissioning that does not wait for Peter to feel flawless. We close with a guided reflective pause and a simple breath prayer: Agape meets me where I am, not where I should be.If this helps you hear God more clearly and receive grace more deeply, subscribe, share the episode with a friend, and leave a review so more people can find this conversation."Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else.  Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement. 

We have reached the finale of our Glitch series, a month-long conversation about what it truly means to be human in a machine world. After exploring awe, agency, and identity, host Matt Summers sits down with teaching pastor Phil EuBank to tackle the final, most vulnerable layer of this cultural moment: intimacy. Reflecting on the real-time feedback from the Menlo Church lobby over the last few weeks, Matt and Phil unpack how living in a hyper-optimized, digital environment has quietly exposed a profound undercurrent of loneliness and exhaustion in our community. This episode dives deep into the weekend message, "Going Offline," moving past abstract fears of AI companions to look at the immediate reality of how technology is actively retraining us. When we become accustomed to frictionless, digital interactions, our tolerance for real-world relational messiness plummets. Phil challenges us to consider a sobering reality: relationships that never push and pull only take and never give. By looking at Jesus' invitation in Matthew 11 and Paul's words on being "fully known" in 1 Corinthians 13, this conversation serves as a beautiful, practical roadmap for recovering our humanity through the slow, messy, and restorative work of real community.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ What does it actually look like to go from wanting rental real estate to owning multiple turnkey investment properties?In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with investor Dan to talk about his real estate investing journey — from a challenging first fix-and-flip experience to purchasing two turnkey rental properties through Rent To Retirement.Dan shares how he found Rent To Retirement, why turnkey real estate made sense for his busy lifestyle, how he evaluated markets like Birmingham, Alabama and San Antonio, Texas, and why he believes getting started is more important than waiting for the “perfect” time.Whether you're a first-time investor, a busy professional, or someone who had a bad real estate experience in the past, this episode offers practical insight into how turnkey rentals can help simplify the path toward long-term wealth.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ What does it actually look like to go from wanting rental real estate to owning multiple turnkey investment properties?In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with investor Dan to talk about his real estate investing journey — from a challenging first fix-and-flip experience to purchasing two turnkey rental properties through Rent To Retirement.Dan shares how he found Rent To Retirement, why turnkey real estate made sense for his busy lifestyle, how he evaluated markets like Birmingham, Alabama and San Antonio, Texas, and why he believes getting started is more important than waiting for the “perfect” time.Whether you're a first-time investor, a busy professional, or someone who had a bad real estate experience in the past, this episode offers practical insight into how turnkey rentals can help simplify the path toward long-term wealth.

Welcome back to the Menlo Midweek Podcast! We are in Week 3 of our series, "GLITCH: Being Human in a Machine World." This week, host Matt Summers and Phil EuBank are joined by a special guest: Paul, co-founder of Faith Work and Tech. In an episode titled "Hardware Crash," the three of them dive into the very real, physical nature of burnout. Living and working in the Bay Area, it's incredibly easy to operate as if we are just a "brain in a jar," ignoring our hardware (our physical bodies) to constantly serve our software (our productivity, careers, and output). But as we see in the story of the prophet Elijah in 1 Kings 19, when you crash hard, God doesn't send a software update or a productivity hack. Sometimes, the most spiritual thing you can do is take a nap and eat a snack.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Alabama new construction is getting serious attention from real estate investors — and in this episode of the Rent To Retirement Podcast, Matthew Seyoum is joined by Frank Merry to break down why.Frank shares what makes Alabama attractive for out-of-state investors, including lower property taxes, landlord-friendly laws, affordable new construction, strong rental demand, and major employment drivers across markets like Birmingham, Huntsville, Kimberly, Tuscaloosa, and Columbiana.

Welcome back to the Menlo Midweek Podcast! This week, host Brett Koerton sits down with Phil EuBank to dive into Week 2 of our GLITCH series. In an episode titled "Infinite Loop," they tackle the exhausting reality of anxiety and why relying on our intellect to solve our emotional struggles often leaves us stuck buffering. In the Silicon Valley, we naturally prize "processing power," leading us to believe we can logic our way out of fear. But as Brett and Phil discuss, you simply can't out-think a broken feeling.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Big June incentives are here for real estate investors. In this episode of the Rent To Retirement Podcast, hosts Matthew Seyoum and Tommy Brown break down limited-time rental property opportunities in Texas and Alabama, including builder incentives reaching as high as 15% of the purchase price in select Texas markets and 11% incentives in select Alabama markets.Matthew and Tommy explain how investors may be able to use these incentives toward rate buy-downs, cash back, closing costs, or scaling into additional rental properties. They also discuss why these incentives are happening now, how Rent To Retirement's builder relationships help investors access opportunities that may not be available on the open market, and why timing matters for anyone looking to close in June.⏱️ Timestamps:00:08 – Emergency episode: June real estate investor deals00:53 – Incentives in Texas and Alabama markets01:17 – Builder incentives up to 15% of the purchase price01:47 – Rent To Retirement's $2,500 June closing credit03:06 – How investors can use builder incentives04:02 – Why 15% incentives are not normal04:28 – Rate buy-downs, cash back, and investor strategy06:09 – Why Katy and San Antonio are strong rental markets07:26 – Why these deals are not typical MLS opportunities08:09 – Cash back vs. lower interest rate strategy10:33 – Comparing today's incentives to past low interest rates12:13 – Scaling faster with cash-back incentives13:14 – Alabama rental property opportunities14:25 – Why Alabama offers diversification for investors15:56 – Tuscaloosa, universities, and tenant demand17:29 – Using cash-back incentives toward the next property19:00 – How Rent To Retirement is compensated19:20 – $2,500 closing cost credit explained20:05 – Incentives are in addition to builder credits21:12 – Updated brochures and how to get details21:57 – Where to view inventory and contact the teamThese opportunities are time-sensitive and may change based on availability, builder updates, and closing timelines. To learn more, visit:https://renttoretirement.com