Podcasts about hidden costs

Fox News Radio's Tonya J. Powers joins Mark and Kim to unpack New York Governor Kathy Hochul's year-long pause on new large-scale data center permits, and why communities across Missouri and southern Illinois — including St. Charles — are pushing back with their own moratoriums. Tonya lays out just how massive these facilities have become, with one Louisiana campus now spanning over 3,600 acres, larger than 2,700 football fields, while raising tough questions about strained power grids, rising residential electricity costs, and limited long-term job creation once construction wraps. Mark adds a local wrinkle: a friend in the industry says it takes as few as six people to run an entire data center once it's operational. The real issue, Tonya says, is transparency — how much these companies actually pay in taxes and what communities get in return. It's the kind of deep-dive accountability conversation that defines the Marc Cox Morning Show. Coming up: more on the Schmitt-Hawley hearing, and Kim on a Whim at 7:45. Hashtags: #MarcCoxMorningShow #GuestTonya Powers #DataCenterDebate #KathyHochul #MissouriPolitics #StCharlesCounty #PowerGrid #EnergyCosts #Transparency #FaithFamilyFreedom #CommonSenseConservatism #StLouisRadio

Everyone says the farmers market is the obvious place to start. Low barrier to entry — show up with an easy-up, a table, and a cooler. But low barrier to entry is not the same as low cost. Click here to learn more about Neil and Garden to Market. Watch the episode here! Interested in watching the series? Hop on over to our YouTube Channel!   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

What happens when a successful corporate executive decides he wants more control over his future? After 22 years at Intel, Ryan Olson had built an impressive career leading business development teams, managing global partnerships and helping create a billion-dollar pipeline. But two rounds of corporate layoffs became the catalyst for a very different path. In this episode of ScaleUp Radio, Ryan shares how he transitioned from corporate leadership into business ownership through the ERA Group franchise, helping mid-sized businesses uncover hidden costs, improve profitability and free up cash for growth. One of the strongest insights from this discussion is that many businesses focus relentlessly on generating more revenue while overlooking significant opportunities to improve profit through smarter cost management. Along the way, Ryan shares the memorable "million-dollar donut" story, explains why franchise ownership appealed more than launching a startup from scratch, and reveals some of the hidden expenses many businesses fail to spot. In this episode: Ryan's journey from Intel to entrepreneurship Spending 22 years building a successful corporate career at Intel Managing global teams and strategic partnerships Why two layoffs changed his perspective on career security Deciding to pursue entrepreneurship through a franchise model Lessons learned about building credibility outside a major global brand Why Ryan chose a franchise model The appeal of a proven system and established methodology Access to marketing support, technology and training Building a business while reducing startup risk The long-term value of creating a saleable asset Why the ERA Group mission resonated personally Understanding the ERA Group model Helping businesses optimise operational expenses Working primarily with companies between £8m and £250m turnover A contingent fee structure that aligns incentives Only getting paid when savings are successfully delivered Creating win-win outcomes for clients The power of specialist expertise Leveraging a network of over 1,000 consultants worldwide Accessing deep category specialists across multiple industries Collaborating rather than competing within the franchise network Delivering expertise beyond a single consultant's background Hidden costs that impact business growth The million-dollar donut freight story Why supplier relationships sometimes hide inefficiencies Insurance cost optimisation opportunities Technology subscriptions for employees who have already left Missed warranty reimbursement revenue The importance of regularly reviewing supplier contracts Ryan's practical 3-step approach to cost optimisation Know your spend Audit vendors, contracts and payment terms Understand exactly where money is going Focus on high-impact opportunities Prioritise one or two categories first Concentrate effort where returns are greatest Monitor and verify results Ensure negotiated savings are actually realised Build ongoing accountability into the process Key Takeaways Growth isn't always about increasing revenue; improving profitability often starts with understanding existing costs. Hidden expenses frequently exist in long-standing supplier relationships. External expertise can uncover opportunities internal teams simply don't have time to investigate. Franchise ownership can provide an attractive route into entrepreneurship through proven systems and support. Cost optimisation creates additional cash that can be reinvested into strategic growth initiatives. One Key Thing The quickest route to improved cash flow is often not finding more customers but uncovering the costs hiding in plain sight inside your existing business. About Ryan Olson Ryan Olson is a Cost Optimisation Consultant with ERA Group. Following a 22-year corporate career at Intel, he transitioned into entrepreneurship through the ERA Group franchise model. Ryan helps mid-sized businesses identify hidden costs, improve profitability and unlock cash that can be reinvested into growth. About ERA Group ERA Group helps organisations improve profitability through operational cost optimisation. Using a performance-based fee structure, the business works with clients to identify, validate and implement sustainable cost savings across a wide range of expenditure categories.   Scaling up your business isn't easy, and can be a little daunting. Let ScaleUp Radio make it a little easier for you. With guests who have been where you are now, and can offer their thoughts and advice on several aspects of business. ScaleUp Radio is the business podcast you've been waiting for. If you would like to be a guest on ScaleUp Radio, please click here: https://bizsmarts.co.uk/scaleupradio/kevin You can get in touch with Kevin here: kevin@biz-smart.co.uk   Resources Libby -  What happens when a successful corporate executive decides he wants more control over his future? After 22 years at Intel, Ryan Olson had built an impressive career leading business development teams, managing global partnerships and helping create a billion-dollar pipeline. But two rounds of corporate layoffs became the catalyst for a very different path. In this episode of ScaleUp Radio, Ryan shares how he transitioned from corporate leadership into business ownership through the ERA Group franchise, helping mid-sized businesses uncover hidden costs, improve profitability and free up cash for growth. One of the strongest insights from this discussion is that many businesses focus relentlessly on generating more revenue while overlooking significant opportunities to improve profit through smarter cost management. Along the way, Ryan shares the memorable "million-dollar donut" story, explains why franchise ownership appealed more than launching a startup from scratch, and reveals some of the hidden expenses many businesses fail to spot. In this episode: Ryan's journey from Intel to entrepreneurship Spending 22 years building a successful corporate career at Intel Managing global teams and strategic partnerships Why two layoffs changed his perspective on career security Deciding to pursue entrepreneurship through a franchise model Lessons learned about building credibility outside a major global brand Why Ryan chose a franchise model The appeal of a proven system and established methodology Access to marketing support, technology and training Building a business while reducing startup risk The long-term value of creating a saleable asset Why the ERA Group mission resonated personally Understanding the ERA Group model Helping businesses optimise operational expenses Working primarily with companies between £8m and £250m turnover A contingent fee structure that aligns incentives Only getting paid when savings are successfully delivered Creating win-win outcomes for clients The power of specialist expertise Leveraging a network of over 1,000 consultants worldwide Accessing deep category specialists across multiple industries Collaborating rather than competing within the franchise network Delivering expertise beyond a single consultant's background Hidden costs that impact business growth The million-dollar donut freight story Why supplier relationships sometimes hide inefficiencies Insurance cost optimisation opportunities Technology subscriptions for employees who have already left Missed warranty reimbursement revenue The importance of regularly reviewing supplier contracts Ryan's practical 3-step approach to cost optimisation Know your spend Audit vendors, contracts and payment terms Understand exactly where money is going Focus on high-impact opportunities Prioritise one or two categories first Concentrate effort where returns are greatest Monitor and verify results Ensure negotiated savings are actually realised Build ongoing accountability into the process Key Takeaways Growth isn't always about increasing revenue; improving profitability often starts with understanding existing costs. Hidden expenses frequently exist in long-standing supplier relationships. External expertise can uncover opportunities internal teams simply don't have time to investigate. Franchise ownership can provide an attractive route into entrepreneurship through proven systems and support. Cost optimisation creates additional cash that can be reinvested into strategic growth initiatives. One Key Thing The quickest route to improved cash flow is often not finding more customers but uncovering the costs hiding in plain sight inside your existing business. About Ryan Olson Ryan Olson is a Cost Optimisation Consultant with ERA Group. Following a 22-year corporate career at Intel, he transitioned into entrepreneurship through the ERA Group franchise model. Ryan helps mid-sized businesses identify hidden costs, improve profitability and unlock cash that can be reinvested into growth. About ERA Group ERA Group helps organisations improve profitability through operational cost optimisation. Using a performance-based fee structure, the business works with clients to identify, validate and implement sustainable cost savings across a wide range of expenditure categories.   Scaling up your business isn't easy, and can be a little daunting. Let ScaleUp Radio make it a little easier for you. With guests who have been where you are now, and can offer their thoughts and advice on several aspects of business. ScaleUp Radio is the business podcast you've been waiting for. If you would like to be a guest on ScaleUp Radio, please click here: https://bizsmarts.co.uk/scaleupradio/kevin You can get in touch with Kevin here: kevin@biz-smart.co.uk   Resources Libby -  What happens when a successful corporate executive decides he wants more control over his future? After 22 years at Intel, Ryan Olson had built an impressive career leading business development teams, managing global partnerships and helping create a billion-dollar pipeline. But two rounds of corporate layoffs became the catalyst for a very different path. In this episode of ScaleUp Radio, Ryan shares how he transitioned from corporate leadership into business ownership through the ERA Group franchise, helping mid-sized businesses uncover hidden costs, improve profitability and free up cash for growth. One of the strongest insights from this discussion is that many businesses focus relentlessly on generating more revenue while overlooking significant opportunities to improve profit through smarter cost management. Along the way, Ryan shares the memorable "million-dollar donut" story, explains why franchise ownership appealed more than launching a startup from scratch, and reveals some of the hidden expenses many businesses fail to spot. In this episode: Ryan's journey from Intel to entrepreneurship Spending 22 years building a successful corporate career at Intel Managing global teams and strategic partnerships Why two layoffs changed his perspective on career security Deciding to pursue entrepreneurship through a franchise model Lessons learned about building credibility outside a major global brand Why Ryan chose a franchise model The appeal of a proven system and established methodology Access to marketing support, technology and training Building a business while reducing startup risk The long-term value of creating a saleable asset Why the ERA Group mission resonated personally Understanding the ERA Group model Helping businesses optimise operational expenses Working primarily with companies between £8m and £250m turnover A contingent fee structure that aligns incentives Only getting paid when savings are successfully delivered Creating win-win outcomes for clients The power of specialist expertise Leveraging a network of over 1,000 consultants worldwide Accessing deep category specialists across multiple industries Collaborating rather than competing within the franchise network Delivering expertise beyond a single consultant's background Hidden costs that impact business growth The million-dollar donut freight story Why supplier relationships sometimes hide inefficiencies Insurance cost optimisation opportunities Technology subscriptions for employees who have already left Missed warranty reimbursement revenue The importance of regularly reviewing supplier contracts Ryan's practical 3-step approach to cost optimisation Know your spend Audit vendors, contracts and payment terms Understand exactly where money is going Focus on high-impact opportunities Prioritise one or two categories first Concentrate effort where returns are greatest Monitor and verify results Ensure negotiated savings are actually realised Build ongoing accountability into the process Key Takeaways Growth isn't always about increasing revenue; improving profitability often starts with understanding existing costs. Hidden expenses frequently exist in long-standing supplier relationships. External expertise can uncover opportunities internal teams simply don't have time to investigate. Franchise ownership can provide an attractive route into entrepreneurship through proven systems and support. Cost optimisation creates additional cash that can be reinvested into strategic growth initiatives. One Key Thing The quickest route to improved cash flow is often not finding more customers but uncovering the costs hiding in plain sight inside your existing business. About Ryan Olson Ryan Olson is a Cost Optimisation Consultant with ERA Group. Following a 22-year corporate career at Intel, he transitioned into entrepreneurship through the ERA Group franchise model. Ryan helps mid-sized businesses identify hidden costs, improve profitability and unlock cash that can be reinvested into growth. About ERA Group ERA Group helps organisations improve profitability through operational cost optimisation. Using a performance-based fee structure, the business works with clients to identify, validate and implement sustainable cost savings across a wide range of expenditure categories.   Scaling up your business isn't easy, and can be a little daunting. Let ScaleUp Radio make it a little easier for you. With guests who have been where you are now, and can offer their thoughts and advice on several aspects of business. ScaleUp Radio is the business podcast you've been waiting for. If you would like to be a guest on ScaleUp Radio, please click here: https://bizsmarts.co.uk/scaleupradio/kevin You can get in touch with Kevin here: kevin@biz-smart.co.uk   Resources Libby - https://libbyapp.com/interview/welcome#do-you-have-a-card Ryan can be found here Email: ROlson@EraGroup.com https://www.linkedin.com/in/ryankolson/

In this episode of Learn to Buy and Sell Cars, Randy Adams explains how to avoid costly mistakes when buying, financing, and maintaining a vehicle. He discusses hidden dealership tactics, repossessions, extended warranties, rising repair costs, and why doing your homework before signing a contract can save you thousands. Randy also shares real-life stories, practical advice, and biblical wisdom to help listeners protect their finances and make smarter automotive decisions.See omnystudio.com/listener for privacy information.

Modern Wisdom: Read the notes at at podcastnotes.org. Don't forget to subscribe for free to our newsletter, the top 10 ideas of the week, every Monday --------- Caleb Hammer is a personal finance YouTuber. Are we in a financial crisis or spending our way into one? Rising prices, growing debt, and shrinking savings are putting every generation under pressure. But what's really to blame? A broken economy, bad money habits, or both? The answer could determine whether we're headed for disaster, or still have time to turn things around. Expect to learn if it is actually harder to make an manage money than ever before, what the hidden costs of bankruptcy are that nobody wants to talk about, why Gen Z is in more debt than any other generation, if most financial problems are psychological in nature, if lifestyle inflation has become a bigger problem than inflation itself, what the biggest financial red flags are when dating and much more… Sponsors: See discounts for all the products I use and recommend: ⁠https://chriswillx.com/deals⁠ Get 160+ lab tests for just $365 and save an extra $25 at https://functionhealth.com/modernwisdom Get the brand new Whoop 5.0 and your first month for free at https://join.whoop.com/modernwisdom Get a Free Sample Pack of LMNT's most popular flavours with your first purchase at https://drinklmnt.com/modernwisdom Get a free bottle of D3K2, an AG1 Welcome Kit, and more when you first subscribe at https://ag1.info/modernwisdom Get ChatGPT to explore ideas, solve problems, and learn faster at ⁠https://chatgpt.com Timestamps: (00:00) Does Caleb Really Get Death Threats? (05:44) Does Gen Z Actually Have It Harder Financially? (18:02) The Hidden Costs of Bankruptcy (21:03) Why People Fall Into Debt (24:13) The Personality Traits Behind Financial Success (25:36) How Debt Impacts Your Identity (27:28) The Trap of Lifestyle Inflation (36:14) The Best Way to Handle Anxious Guests (39:23) Knowledge vs Discomfort: What Makes the Biggest Impact? (44:26) Why Behaviour Is the Real Fix for Money Problems (49:24) What Financial Milestone Makes People Happiest? (52:14) UK vs US: Who's Better Off Financially? (01:07:36) What Real Financial Education Should Look Like (01:16:38) The Dangerous Consequences of the Gender Wars (01:21:32) The Economic Risks of a Declining Population (01:26:37) Should a Trillionaire Exist? (01:31:37) The Biggest Financial Red Flags in Dating (01:34:19) How Money Problems End Relationships (01:36:53) How Mental Health Shapes Spending Habits (01:40:19) The Dumb Purchases That Make People Broke (01:42:40) How Damaging Is Financial Over-Optimisation? (01:44:56) Is Property Still a Smart Investment? (01:53:43) Is Raising Kids Cheaper Than You Think? (01:55:53) Where to Find Caleb Extra Stuff: Get my free reading list of 100 books to read before you die: ⁠https://chriswillx.com/books⁠ Try my productivity energy drink Neutonic: ⁠https://neutonic.com/modernwisdom⁠ Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: ⁠lnkfi.re/SN-Goggins⁠ #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: ⁠lnkfi.re/SN-Peterson⁠ #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: ⁠lnkfi.re/SN-Huberman⁠ - Get In Touch: Instagram: ⁠https://www.instagram.com/chriswillx⁠ Twitter: ⁠https://www.twitter.com/chriswillx⁠ YouTube: ⁠https://www.youtube.com/modernwisdompodcast⁠ Email: ⁠https://chriswillx.com/contact⁠ - Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Cody & Meagan discuss one of the biggest opportunities for independent hotels in 2026: increasing direct bookings.OTAs are valuable partners and play an important role in driving visibility and occupancy. But when properties become too dependent on third-party bookings, they often sacrifice profitability, guest relationships, and long-term loyalty. Cody & Meagan share practical strategies boutique hotels can implement to grow direct bookings while maintaining a healthy balance with OTA channels.

This week on Australia's ONLY Christmas Podcast we expose the secret hidden cost of Christmas that add hundreds to your festive bill every year, and how to avoid them. The Pros and Cons of having a fake Christmas Tree. Is it worth it in the long run? We find out, plus We ignite the Christmas Stocking Debate. What actually belongs in a Christmas Stocking? Expensive Gifts or small essentials. We find out With your Aussie Hosts Liam Renton and Ness Gibson talking all things Christmas all year round on Christmas Podding.

In today's episode of The Daily Brief, we cover two major stories shaping the Indian economy and global markets: 00:04   Intro 00:28   Birla's Energy Push 10:44   Mining's Hidden Costs 21:33   Tidbits We also send out a crisp and short daily newsletter for The Daily Brief. Put your email here and we'll make you smart every day: https://thedailybriefing.substack.com/ Note: This content is for informational purposes only. None of the stocks, brands, or products mentioned are recommendations or endorsements.

Washington Wednesday on Sen. Lindsey Graham's legacy, World Tour on Nigeria's search for justice, and why community college's affordable path often comes with hidden costs. Plus, Cal Thomas rewinds a 1976 argument that's still with us, Santas gather in Denmark, and the Wednesday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Cedarville University—a Christ-centered, academically rigorous university located in southwest Ohio, equipping students for Gospel impact across every career and calling. Cedarville integrates a biblical worldview into every course in the more than 175 undergraduate and graduate programs students choose from. New online undergraduate degrees through Cedarville Online offer flexible and affordable education grounded in a strong Christian community that fosters both faith and learning. Learn more at cedarville.edu, and explore online programs at cedarville.edu/online.From Equip by Unbound. A skills-focused, project-based coaching program for high schoolers. More at BeUnbound.us/worldAnd from Dordt University, where students are invited into God's story of restoration; to live, learn, and work together with joyful purpose in all of life - until all is made new.

Caleb Hammer is a personal finance YouTuber. Are we in a financial crisis or spending our way into one? Rising prices, growing debt, and shrinking savings are putting every generation under pressure. But what's really to blame? A broken economy, bad money habits, or both? The answer could determine whether we're headed for disaster, or still have time to turn things around. Expect to learn if it is actually harder to make an manage money than ever before, what the hidden costs of bankruptcy are that nobody wants to talk about, why Gen Z is in more debt than any other generation, if most financial problems are psychological in nature, if lifestyle inflation has become a bigger problem than inflation itself, what the biggest financial red flags are when dating and much more… Sponsors: See discounts for all the products I use and recommend: ⁠https://chriswillx.com/deals⁠ Get 160+ lab tests for just $365 and save an extra $25 at https://functionhealth.com/modernwisdom Get the brand new Whoop 5.0 and your first month for free at https://join.whoop.com/modernwisdom Get a Free Sample Pack of LMNT's most popular flavours with your first purchase at https://drinklmnt.com/modernwisdom Get a free bottle of D3K2, an AG1 Welcome Kit, and more when you first subscribe at https://ag1.info/modernwisdom Get ChatGPT to explore ideas, solve problems, and learn faster at ⁠https://chatgpt.com Timestamps: (00:00) Does Caleb Really Get Death Threats? (05:44) Does Gen Z Actually Have It Harder Financially? (18:02) The Hidden Costs of Bankruptcy (21:03) Why People Fall Into Debt (24:13) The Personality Traits Behind Financial Success (25:36) How Debt Impacts Your Identity (27:28) The Trap of Lifestyle Inflation (36:14) The Best Way to Handle Anxious Guests (39:23) Knowledge vs Discomfort: What Makes the Biggest Impact? (44:26) Why Behaviour Is the Real Fix for Money Problems (49:24) What Financial Milestone Makes People Happiest? (52:14) UK vs US: Who's Better Off Financially? (01:07:36) What Real Financial Education Should Look Like (01:16:38) The Dangerous Consequences of the Gender Wars (01:21:32) The Economic Risks of a Declining Population (01:26:37) Should a Trillionaire Exist? (01:31:37) The Biggest Financial Red Flags in Dating (01:34:19) How Money Problems End Relationships (01:36:53) How Mental Health Shapes Spending Habits (01:40:19) The Dumb Purchases That Make People Broke (01:42:40) How Damaging Is Financial Over-Optimisation? (01:44:56) Is Property Still a Smart Investment? (01:53:43) Is Raising Kids Cheaper Than You Think? (01:55:53) Where to Find Caleb Extra Stuff: Get my free reading list of 100 books to read before you die: ⁠https://chriswillx.com/books⁠ Try my productivity energy drink Neutonic: ⁠https://neutonic.com/modernwisdom⁠ Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: ⁠lnkfi.re/SN-Goggins⁠ #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: ⁠lnkfi.re/SN-Peterson⁠ #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: ⁠lnkfi.re/SN-Huberman⁠ - Get In Touch: Instagram: ⁠https://www.instagram.com/chriswillx⁠ Twitter: ⁠https://www.twitter.com/chriswillx⁠ YouTube: ⁠https://www.youtube.com/modernwisdompodcast⁠ Email: ⁠https://chriswillx.com/contact⁠ - Learn more about your ad choices. Visit megaphone.fm/adchoices

Renze Nauta, director of work and economics at Cardus, argues Alberta's newly opened online gambling market could repeat many of the social harms seen in Ontario, from rising addiction to growing financial distress. He explains why online betting is fundamentally different from traditional casinos, why young men appear especially vulnerable, and what guardrails governments should consider.The Hub is Canada's fastest-growing independent digital news outlet.Subscribe to our YouTube channel to get our latest videos: https://www.youtube.com/@TheHubCanadaSubscribe to The Hub's podcast feed to get our best content when you are on the go:https://tinyurl.com/3a7zpd7e (Apple) https://tinyurl.com/y8akmfn7 (Spotify) Want more Hub? Get a FREE 3-month trial membership on us: https://thehub.ca/free-trial/Follow The Hub on X: https://x.com/thehubcanada?lang=en CREDITS:Falice Chin - Host, Producer, and Editor Hosted on Acast. See acast.com/privacy for more information.

Not every financial lesson comes from investing or entrepreneurship—sometimes it starts with your lunch order. In this episode, Travis is joined in the studio by his producer for a candid (and hilarious) conversation about food delivery apps, fast food inflation, and the everyday spending habits that quietly drain your bank account. Through personal stories, practical advice, and plenty of laughs, they break down why convenience often comes with a much higher price tag than people realize—and how small changes can have a big impact on both your finances and your health. On this episode we talk about: Why food delivery apps can quietly destroy your monthly budget How to determine whether paying for convenience is actually worth it The surprising rise in fast food prices over the past three decades How better eating habits often lead to better financial habits Practical ways to reduce unnecessary spending without sacrificing quality of life Top 3 Takeaways Convenience should be earned, not assumed. If outsourcing a task isn't freeing you up to earn more or create more value, you're probably just paying extra for convenience. Small recurring purchases—like food delivery and eating out—compound into thousands of dollars over time, making them one of the easiest places to improve your finances. Building healthier habits often improves your finances as well. Cooking more meals at home can reduce both your calorie intake and your monthly expenses. Notable Quotes "If you're struggling with money, delete the delivery apps off your phone." "Good habits tend to compound." "Money only solves your money problems. It's easier to solve the rest of your problems with money in the bank." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell/ Instagram: https://www.instagram.com/travischappell/ Other: https://travischappell.com/ A Word from Our Sponsors: - Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplieslast.  - Go to Leesa.com for 30% OFF select mattresses (through July 12, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

Police Sergeant Injured In Vicious Assault With A Car. The Flawed Retirement Process. Most people assume that when a police officer suffers catastrophic injuries protecting the public, the system they faithfully served will protect them in return. The Podcast is available for free on the Law Enforcement Talk Radio Show and Podcast website, also on Apple Podcasts, Spotify, YouTube, iHeartradio and most major podcast platforms. #LawEnforcementTalk #Free #Podcast #Radio Retired Lowell, Massachusetts Police Sergeant Vincent Fernandez says that isn't always what happens. The Law Enforcement Talk Radio Show and Podcast social media like their Facebook , Instagram , LinkedIn , Medium and other social media platforms. His story isn't simply about surviving a violent criminal attack. Supporting articles about this and much more from Law Enforcement Talk Radio Show and Podcast in platforms like Medium , Blogspot and Linkedin. It's about surviving what came afterward. During a powerful interview on the Law Enforcement Talk Radio Show and Podcast, Fernandez describes the horrific assault that permanently changed his life, the devastating toll it took on his health, and why he believes Massachusetts' retirement system continues to fail many catastrophically injured first responders. The emotional conversation is available on their website, Facebook, Instagram, YouTube, Apple Podcasts, Spotify and iHeartradio, where listeners continue discovering stories that reveal the realities behind the badge. Police Sergeant Injured In Vicious Assault With A Car. The Flawed Retirement Process. A Routine Response Became a Life-Changing Assault In 2016, Lowell Patrol Sergeant Vincent Fernandez responded to what appeared to be another dangerous call. The episode is available across major platforms including their website, Apple Podcasts, Spotify, YouTube, with highlights shared across their Facebook, Instagram, and LinkedIn profiles. It quickly became something far worse. A fleeing felon used a vehicle as a weapon. As Fernandez attempted to stop the suspect, his arm became trapped on the windshield. "The windshield wiper broke, it flung me from the car. I landed on the cobblestones," Fernandez recalled. He wasn't simply knocked down. He was dragged approximately 150 feet along Middle Street before being violently thrown onto the roadway. The suspect was later charged with attempted murder. Although Fernandez survived, the attack permanently altered every aspect of his future.  Available for free on the Law Enforcement Talk Radio Show and Podcast website, also on Apple Podcasts, Spotify, Youtube and most major Podcast networks. Seven Spine Surgeries and a Traumatic Brain Injury Many people imagine recovery as returning to work after months of rehabilitation. That never happened. Fernandez suffered catastrophic spinal injuries and a traumatic brain injury that ultimately required seven spinal surgeries. Police Sergeant Injured In Vicious Assault With A Car. The Flawed Retirement Process. The neurological injuries affected far more than his physical strength. They changed everyday life. One memory still overwhelms him. "I don't know if she remembers it but one day my daughter had to help me tie my shoes and I couldn't read," Fernandez said through tears. The Podcast is available for free on the Law Enforcement Talk Radio Show and Podcast website, also on Apple Podcasts, Spotify, YouTube, iHeartradio and most major podcast platforms. Those words illustrate something many people never consider. Traumatic brain injuries don't just affect police careers. They affect marriages. They affect children. They affect every ordinary moment families once took for granted. The Hidden Costs of Police Trauma When Fernandez was injured, his children were only ten and six years old. Instead of planning family vacations or school activities, his family found themselves navigating surgeries, rehabilitation, specialists, prescriptions, insurance claims, and financial uncertainty. Police Sergeant Injured In Vicious Assault With A Car. The Flawed Retirement Process. The Law Enforcement Talk Radio Show and Podcast continues bringing listeners real conversations from the front lines of crime, policing, trauma, survival, and healing. "We incurred tens of thousands of dollars in personal costs to pay for co-pays and deductibles and out of pocket costs and I could barely function, let alone help my family," Fernandez explained. Like countless injured officers across America, the physical injuries were only one part of the struggle. The financial burden became another. The Flawed Retirement Process Fernandez medically retired with approximately 72 percent of his salary. While many people might assume that sounds adequate, he argues it falls dramatically short for officers whose careers ended because they were violently assaulted while protecting their communities. Medical retirement often arrives alongside enormous medical expenses, specialized treatments, adaptive equipment, neurological care, ongoing rehabilitation, and permanent disabilities. Police Sergeant Injured In Vicious Assault With A Car. The Flawed Retirement Process. Listen to this powerful episode of the Law Enforcement Talk Radio Show and Podcast, available on Facebook, Instagram, YouTube, Apple Podcasts, Spotify, LinkedIn, and most major podcast platforms. For Fernandez, retirement wasn't the end of the fight. It became another battle entirely. He believes the retirement system left him, and many others, behind. Fighting for Other Injured First Responders Rather than quietly accepting the outcome, Fernandez has become an advocate. He has joined other catastrophically injured Massachusetts first responders in seeking legislative changes that would provide 100 percent pension compensation. Massachusetts expanded retirement benefits in 2024 for some catastrophically injured first responders, allowing eligible officers to receive 100 percent of their base salary. Police Sergeant Injured In Vicious Assault With A Car. The Flawed Retirement Process. However, officers like Fernandez, whose injuries occurred before that law was passed, currently do not qualify. Instead, they must pursue individual legislation. Fernandez argues that catastrophic injuries shouldn't be treated differently simply because of the calendar. The episode is available across major platforms including their website, Apple Podcasts, Spotify, YouTube, with highlights shared across their Facebook, Instagram, and LinkedIn profiles. To him, the sacrifice remains exactly the same. Beyond the Badge The interview isn't only about pensions. It's about what happens after public attention disappears. Police officers routinely accept risks that most citizens will never face. They understand they may be injured. They understand they may never return home. What many don't expect is feeling forgotten after making those sacrifices. Fernandez's story raises difficult questions about how communities support officers whose careers end through violence while protecting others. Police Sergeant Injured In Vicious Assault With A Car. The Flawed Retirement Process. A Story Every Community Should Hear The conversation with Vincent Fernandez goes beyond policing. It's about resilience. It's about family. It's about recovery. And it's about asking whether those who suffer catastrophic injuries protecting their communities deserve lifelong security instead of lifelong uncertainty. Available for free on the Law Enforcement Talk Radio Show and Podcast website, also on Apple Podcasts, Spotify, Youtube and most major Podcast networks. His powerful interview serves as a reminder that surviving the assault isn't always the hardest part. Sometimes the hardest battle begins after the emergency lights disappear. Listen to this compelling episode of the Law Enforcement Talk Radio Show and Podcast on Facebook, Instagram, YouTube, Apple Podcasts, and Spotify, iHeartradio and discover why Vincent Fernandez continues fighting, not only for himself, but for every catastrophically injured first responder who believes the system should never forget those who sacrificed everything. You can contact John J. “Jay” Wiley by email at Jay@letradio.com , or learn more about him on their website . Find a wide variety of great podcasts online at The Podcast Zone Facebook Page , look for the one with the bright green logo. Be sure to check out our website . Be sure to follow us on X , Instagram , Facebook, Pinterest, Linkedin and other social media platforms for the latest episodes and news. Learn and get access to money saving tips and how to increase your net worth at www.LetSavings.com Download the Free Ebook about ways and tips to improve your health. You can get the ebook for free at www.LetHealthy.com Get the Free Clubhouse App, it is Drop In Social Audio. Think of it as your own talk radio show on your phone, and best of all it is free. Be sure to look for me and follow me, that's John J Wiley or @letradioshow  you can do all that here. The Law Enforcement Talk Radio Show and Podcast social media like their Facebook , Instagram , LinkedIn , Medium and other social media platforms. Police Sergeant Injured In Vicious Assault With A Car. The Flawed Retirement Process. Attributions Violently Injured Police Officers Lowell Sun Facebook Facebook Group Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

““A true strategic partner understands what your goals and challenges are and brings solutions and ideas on how to solve those problems.” – Rex RichardsonThank you for tuning in to The CUInsight Network, with your host, Robbie Young, Vice President of Strategic Growth at CUInsight. In The CUInsight Network, we take a deeper dive with the thought leaders who support the credit union community. We discuss issues and challenges facing credit unions and identify best practices to learn and grow together.My guest on today's show is Rex Richardson, Director of Client Processing at Quavo Fraud & Disputes. He unpacks how his unexpected path into financial services led him through more than 17 years of direct experience in fraud, claims, and back-office operations before ultimately landing his current role. Listen in as Rex shares how early influences set the stage for a career built around understanding complex systems and the people they impact.Throughout our conversation, we dig into what the fraud and disputes space looks like behind the scenes, with Rex breaking down how Quavo approaches it from initiation through investigation, recovery, and resolution, while also leveraging automation, compliance, and emerging AI tools. The result is not just operational efficiency, but also a faster and more transparent experience for members who are often dealing with urgent financial concerns.Our conversation also turns to one of the biggest pressures that credit unions are facing today: rising amounts of disputes paired with staffing and budget constraints, and Rex walks us through why simply adding more people isn't always sustainable, instead making the case for strategic partnerships that bring forth expertise, automation, and compliance support. We also explore the hidden costs that creep into inefficient systems such as longer resolution times, increased member contact, and growing operational strain that can quietly increase expenses.As we wrap up the episode, Rex reflects on what separates a true strategic partner from a traditional staffing solution, highlighting the importance of collaboration, problem-solving, and long-term alignment over short-term labor support. We close with a discussion on the integration of AI in fraud investigations, with Rex sharing how human-in-the-loop decision-making could help speed up resolutions while still maintaining oversight and accuracy. Enjoy this insightful conversation with Rex Richardson!Connect with Rex:Rex Richardson, Director of Client Processing at Quavo Fraud & Disputesquavo.com Rex: LinkedInQuavo: LinkedIn | Facebook | YouTube | XShow notes from this episode:Shout-out: Rex's uncleShout-out: Rex's grandfatherPlace mentioned: ItalyPlace mentioned: Mexico City, MexicoShout-out: Rex's wifePlace mentioned: Chicago, ILBook mentioned: The Lord of the Rings Trilogy by J.R.R. TolkienShout-out: AppleShout-out: Rex's kidsIn this episode:[0:54] - We learn that Rex once considered becoming a high school teacher.[1:57] - Rex entered banking via his uncle, later advancing into leadership roles across claims and operations before joining Quavo.[4:09] - Hear how Quavo helps simplify a complex, regulated claims industry.[7:03] - Strategic partners help credit unions manage fraud complexity, compliance, and scaling while improving efficiency and member experience.[10:59] - Rex explains how rising operational costs and delayed resolutions create hidden inefficiencies.[14:21] - True strategic partners provide strategy and solutions, unlike staffing firms that only supply workforce support.[17:10] - Rex discusses AI being developed to assist human decision-making in fraud investigations.[20:55] - Rex's grandfather's leadership and customer engagement continue to affect how he interacts with others.[22:04] - Travel remains Rex's favorite way to splurge, especially immersive cultural experiences in cities like Mexico City and Chicago.[25:42] - Rex argues that turning off work notifications helps create real separation and restores life outside constant digital urgency.[28:35] - Credit unions should identify inefficiencies and consider strategic partners to help improve operations and member experience.

Most investors think they're buying the same thing when they choose a target date fund—but two people who bought 2025 target date funds 15 years ago could have 40% different returns today. Same target year, wildly different outcomes. The culprit? Fund families structure these "simple" investments in dramatically different ways, and most investors never look under the hood. Key Topics Discussed Passive Investing vs Active Financial Planning (00:03:30) Cody explains why you should be a passive investor but an active financial planner in your own life, noting that 95% of active investors underperform broad index funds over time. Understanding Target Date Funds (00:08:15) How target date funds work as default 401(k) options, automatically shifting from aggressive to conservative allocations as retirement approaches along a predetermined glide path. Surprising Differences Between Target Date Funds (00:18:45) The revelation that identical retirement target years can produce vastly different outcomes depending on fund family—differences in international exposure, bond types, and allocation strategies compound over time. Comparing Fidelity, Schwab, and Vanguard Target Dates (00:24:00) Detailed breakdown of how three major fund families structure their target date index funds differently, with varying philosophies on diversification and risk management. The Hidden Costs of Target Date Funds (00:32:20) Analysis showing target date index funds cost 35% to 400% more than purchasing underlying index funds directly. Fidelity's target date index fund, for example, is four times more expensive than buying Fidelity's component funds separately. Static Allocation Funds Explained (00:38:10) Introduction to balanced funds that maintain constant allocations (like 60/40 stocks/bonds) regardless of your age or proximity to retirement. Target Maturity vs Constant Maturity Bond Funds (00:42:30) Deep dive into how target maturity bond funds differ from traditional bond index funds—all bonds mature in the same year, converting to cash automatically without requiring you to sell anything. The Seven-Year Bond Strategy (00:48:15) Cody's approach to determining bond allocation: calculate seven years of planned spending and hold that percentage in bonds. If you'll withdraw $40,000 annually from a $1 million portfolio, hold 28% in bonds ($280,000) and 72% in stocks. Bond Ladders and Behavioral Finance (00:55:00) How target maturity bond funds overcome psychological barriers to spending in retirement by eliminating the need to "sell" assets—bonds simply mature into cash when you need it. Simplicity vs Complexity in Portfolio Design (01:02:30) Cody shares his personal eight-fund retirement portfolio strategy, explaining why something that appears complex can actually feel simpler from a behavioral perspective. Notable Quotes Mike Piper, CPA (quoted by Cody Garrett, CFP®): "There is no perfect portfolio, but there are countless perfectly fine portfolios." Rick Ferri, CFA (quoted by Cody Garrett, CFP®): "The perfect portfolio is the one you're going to stick with. Maintaining discipline is the hardest part of investing." Cody Garrett, CFP®: "Once you understand what a target date fund is, you no longer need one." Cody Garrett, CFP®: "Investing is like a bar of soap. The more you touch it, the less there is." Brad Barrett: "Success in personal finance and investing comes down more to behavior, vastly more to behavior than it comes down to any type of knowledge or intelligence." Key Takeaways Review your 401(k) fund lineup and sort by expense ratio to identify the lowest-cost index fund options available to you If your 401(k) lacks low-cost index funds (under 0.10% expense ratio), contact your plan administrator to request they be added to the fund lineup Calculate how much money you plan to spend from your portfolio over the next seven years to determine your appropriate bond allocation Visit Morningstar.com and review the portfolio tab of any target date funds yo…

【聊了什么】 美国250岁了。特朗普政府给它过生日的方式包括：把林肯纪念堂的倒影池刷成国旗蓝（然后看着藻类卷土重来、油漆片片剥落），在肯尼迪中心门口挂上"特朗普"三个字（如今盖在施工围布后面），以及在白宫南草坪架起UFC八角笼（比赛办在总统80岁生日当天）…… 本期录制于7月2日、独立日前夕。我们追问三个问题：谁在给美国过生日？谁拥有美国历史的解释权？谁是美国人？ 一辆开了250年的老爷车，正站上历史的分水岭。 【支持我们】 如果喜欢这期节目并希望支持我们将节目继续做下去： 也欢迎加入我们的会员计划： https://theamericanroulette.com/paid-membership/ 会员可以收到每周2-5封newsletter，可以加入会员社群，参加会员活动，并享受更多福利。 合作投稿邮箱：american.roulette.pod@gmail.com 【时间轴】 01:42 谁在给美国过生日，怎么过？ 16:29 谁出钱、谁办事：企业赞助、隐形成本与三套大庆班子 31:27 谁拥有美国历史的解释权？ 1:00:41 老爷车开了250年：世界最古老政权的奇迹与政治周期 1:09:45 谁是美国人？出生公民权案惊险过关 1:32:38 美国的"苏伊士时刻"？250岁与摇晃的国际秩序 【我们是谁】 美轮美换是一档深入探讨当今美国政治的中文播客。 本期的主播和嘉宾： Talich：美国政治和文化历史爱好者 王浩岚：美国政治爱好者，岚目公众号主笔兼消息二道贩子 Lokin：美国法学院毕业生，纽约诉讼律师 【What We Talked About】 America turns 250. The Trump administration's idea of a birthday party: painting the Lincoln Memorial Reflecting Pool flag-blue (then watching the algae return and the paint peel away), putting "Trump" on the Kennedy Center's façade (now hidden behind construction wrap), and raising a UFC octagon on the White House South Lawn (with the fight held on the president's 80th birthday)... Recorded on July 2, on the eve of Independence Day, this episode asks three questions: Who is throwing America's birthday party? Who gets to interpret American history? And who counts as an American? After 250 years on the road, the old car has arrived at a historical watershed. 【Support Us】 If you like our show and want to support us, please consider the following: Join our membership program: https://theamericanroulette.com/paid-membership/ Support us on Patreon: www.patreon.com/americanroulette Business inquiries and fan mail: american.roulette.pod@gmail.com 【Timeline】 01:42 Who's Throwing America's Birthday Party — and How? 16:29 Who Pays, Who Runs the Show: Corporate Sponsors, Hidden Costs, and Three Competing Committees 31:27 Who Gets to Interpret American History? 1:00:41 250 Years on the Road: The Miracle and Political Cycles of the World's Oldest Surviving Government 1:09:45 Who Counts as an American? Birthright Citizenship's Narrow Escape 1:32:38 America's "Suez Moment"? Turning 250 in a Teetering World Order 【Who We Are】 The American Roulette is a podcast dedicated to helping the Chinese-speaking community understand fast-changing U.S. politics. Our hosts and guests: Talich：Aficionado of American politics, culture, and history 王浩岚 (Haolan Wang): American political enthusiast, chief writer at Lán Mù WeChat Official Account, and peddler of information Lokin: U.S. law school student, incoming NY litigation lawyer

Americans seem undeterred by inflation hovering at 3.4%, as the personal consumption expenditures index rose 0.7% in May and is up 4.1% year over year. This could trigger raising interest rates, although host Gene Marks says a rate increase would be manageable. Gene also looks at Walmart Business uncovering the hidden costs of procurement, and what 60% of people dealing with AI-powered customer service bots say they do when faced with that situation. Listen to the podcast. Topics: 00:00 – Introduction 00:19 – Consumer Spending and Inflation 04:15 – Hidden Costs of Procurement 06:07 – Response to AI Customer Service 08:56 – Episode Wrap-up Additional Resources Meet Paychex: https://bit.ly/3VtM6bs DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

When does buying a CNC machine make more sense than hiring another employee or outsourcing the work? On this episode of Talkin' Shop with ShopSabre, hosts Brandon Bombardo and Nick Peters answer that question for shop owners weighing automation against labor. The conversation breaks down how to calculate the real return on investment (ROI) of CNC automation — and why most shop owners get the math wrong. Brandon explains the difference between calculating ROI literally (only the time a task takes) and "paralysis by analysis," then reframes the core question every owner asks. It isn't "how many people does this replace?" — it's "how much inefficiency, does this eliminate?" Using a cabinet shop example, Brandon contrasts a CNC machine cutting a full base cabinet — dados, shelf holes, hinge pockets and all — in roughly 4 to 8 minutes against an employee doing the same work by hand in 60 minutes or more, with far more room for error. He also walks through a $100,000 job to show that automation doesn't change the price a customer pays; it changes the profit and the lead time the shop keeps. They cover the hidden costs of labor that spreadsheets ignore — recruiting, training, turnover, benefits, payroll taxes and absences — and why a $75,000 employee actually costs far more every year, while a machine is a one-time investment that compounds. Brandon and Nick also explain how ShopSabre customers regularly discover entirely new revenue streams after adding equipment they originally bought for a single task. This episode is for cabinet makers, woodworkers, metal fabricators and manufacturing business owners deciding whether to scale with automation or more labor.  ShopSabre is an American CNC manufacturer based in Lakeville, Minnesota, building CNC routers, plasma tables and fiber lasers. Watch the full episode for Brandon's formula for sustainable growth — great people, great processes and great equipment — and why nothing changes if nothing changes. Subscribe to Talkin' Shop with ShopSabre for new episodes every week. 00:00 - Intro & Cold Open 01:03 - Today's Topic: Automation vs. Labor 04:14 - Listener Q&A: Vacuum Noise, Dust Doc & Feedback 09:30 - The Right Way to Calculate Automation ROI 13:09 - The Hidden Costs of Labor 16:24 - How Automation Creates Leverage 19:09 - Saving Money vs. Making Money 23:28 - Cabinet Build: Machine vs. By Hand 26:28 - The $100K Job That Changes Everything 28:44 - Don't Wait for the Bottleneck 33:26 - The True Cost of a $75K Employee 36:46 - Work Smarter, Not Harder 40:10 - Wrap-Up & What's Next   Discover all our CNC machines and accessories: https://www.shopsabre.com/  Follow ShopSabre for daily updates, tutorials, and expert tips:  Facebook: https://www.facebook.com/shopsabre Instagram: https://www.instagram.com/shopsabre Twitter/X: https://x.com/ShopSabreCNC  TikTok: https://www.tiktok.com/@shopsabre  LinkedIn: https://www.linkedin.com/company/shopsabre-cnc/    Since 2000, ShopSabre CNC has delivered high-quality CNC routers, plasma cutters, and laser engraving machines built in the USA to businesses and hobbyists worldwide. Subscribe for more insights on CNC technology, project builds, and industry-leading machine performance.

Success often brings opportunity, achievement, and recognition, but it doesn't automatically create meaningful connection.In episode #1204, George & Mary-Lynn explore one of the hidden costs of achievement: how the very qualities that help us succeed can gradually pull us away from the relationships that matter most.We discuss why networking isn't the same as friendship, why relationships require intentional investment, and how small, consistent actions can strengthen the people who enrich our lives.We also share a simple relationship audit that can help you reconnect with those who matter most.BIGG Takeaways:Success often brings a sense of loneliness because it's not just about having people around you; it's about feeling deeply connected to them.Many successful individuals realize that networking is not a replacement for genuine friendships, as they often lack meaningful connections despite having numerous acquaintances.To combat loneliness, it's essential to invest consistently in relationships, as meaningful connections require intentional effort over time.The Harvard Study of Adult Development highlights that strong relationships are crucial for happiness and well-being, overshadowing mere accomplishments or financial success.Building a life that feels connected and meaningful involves planning for relationships just as you would for your career or finances.Recognizing the hidden relationship costs of achievement can help us prioritize the connections that truly matter in our lives.BIGG Chapters[00:13] The Loneliness of Success[00:56] The Hidden Costs of Success and Loneliness[02:28] The Hidden Costs of Achievement[04:50] The Importance of Intentional Relationships[05:46] Creating Connections: The Importance of Relationships[07:31] The Importance of Relationships in SuccessLinks referenced in this episode:Life Map CourseBIGG success NewsletterHarvard Study of Adult Development

In this episode of the "I Heard that!" Podcast, Coach Clarence tackles one of the biggest mistakes homebuyers make: confusing mortgage pre-approval with true affordability. Just because a lender approves you for a certain loan amount doesn't mean it's the right financial decision. Buying a home should help you build wealth—not leave you stressed over every monthly payment. In this episode, you'll learn: • Why being pre-approved doesn't mean you should spend the maximum amount • The real cost of homeownership beyond your principal and interest payment • How property taxes, homeowners insurance, HOA fees, maintenance, and utilities affect your monthly budget • How to determine a comfortable home payment that still allows you to save, invest, and enjoy your lifestyle • Practical strategies to avoid becoming house poor in today's housing market Whether you're a first-time homebuyer, moving up to your next home, or planning to buy in Phoenix or anywhere in Arizona, this episode will help you make a confident financial decision that supports your long-term goals.

Before you rent a dumpster, learn how to avoid hidden fees, choose the right size, understand permits, and compare quotes line by line. Discover why the cheapest price often costs the most—and how to protect yourself from overages and surprises. Zap Dumpsters Peoria City: Peoria Address: 208 SW Center St Website: https://zapdumpsterspeoria.com Phone: +1 309 650 8954

Episode 254 of the Transition Drill podcast explores military spouse transition, family stress, and life after service for veterans, first responders, and military families navigating retirement from high-demand careers. You'll hear Angela DeJarnette on what happens when the uniform comes off, the family system changes, and what it takes to rebuild communication, purpose, and support before the home breaks under the weight of transition.Angie grew up in Franklin, Tennessee, and never planned on becoming a military spouse. Before marrying her husband, a Navy SEAL, she had built her own professional life in commercial real estate and was serving as vice president of her firm. Then came the promise of “one more deployment,” a courthouse marriage, and a life that stretched into 17 more years of military service.Angie talks about the hidden cost of service on the spouse and family. She shares what it was like to live overseas, adapt to isolation in Okinawa, give up control over parts of her life, and build strength through the women around her. While her husband deployed, trained, and served, Angie became the person holding the house, the kids, the decisions, and the emotional weight together.But the hardest transition wasn't a move. It was retirement. When her husband left the SEAL teams in 2019, the family struggled. They were yelling, missing each other emotionally, and learning that they'd been talking at each other instead of to each other. Angie explains how therapy, somatic work, nervous system regulation, and honest communication helped them rebuild.That personal experience became part of her mission. Angie founded The Steps Foundation to support military spouses, female veterans, and Gold Star families through the stress, trauma, identity loss, and uncertainty that come with military transition. Today, STEPS provides long-term support, virtual programming, community connection, and practical tools to help women rebuild their health, purpose, boundaries, and family stability.This episode is a direct reminder that transition doesn't just happen to the service member. It happens to the whole family.CONNECT WITH THE PODCAST:Instagram: https://www.instagram.com/paulpantani/WEBSITE: https://www.transitiondrillpodcast.comLinkedIn: https://www.linkedin.com/in/paulpantani/SIGN-UP FOR THE NEWSLETTER:https://transitiondrillpodcast.com/home#aboutQUESTIONS OR COMMENTS:paul@transitiondrillpodcast.comSPONSORS:GRND Collective: Premium, veteran-owned sportswear built for those who show up, outwork the excuses, and give 100%. Score 15% off your order at thegrndcollective.com using promo code TRANSITION15 at checkoutBlue Line Roasting: Premium, law-enforcement-owned coffee roasted to fuel the shift. A portion of every order directly supports law enforcement families facing line-of-duty injury or loss. Save 10% at bluelineroasting.com with promo code Transition10Frontline Optics: Premium eyewear founded by a firefighter and built to withstand the job. Every single purchase helps support the First Responders Children's Foundation, serving families who've paid the ultimate price. Save 10% off your pair at frontlineoptics.com using promo code Transition10

Are you struggling to decide where to spend your time, energy, and money as you build your interior design business? I got you!One of the biggest challenges I see aspiring and emerging designers face is knowing when—and how—to invest in themselves and their business.Many creatives hesitate to spend money on education, systems, coaching, legal support, or professional expertise because it feels risky. But what if not investing is actually costing you more?As interior designers, we regularly ask clients to trust our expertise. We encourage them to invest in professional guidance because we know it saves them time, prevents costly mistakes, and helps them achieve a better outcome. The same principle applies to building a successful design business. If you want clients to value your expertise, you must learn to value expertise yourself.In this episode, I explore the investment mindset that separates hobbyists from serious professionals. I share why adopting a CEO mindset, making intentional investments, and planning for business growth can help you avoid burnout, build client trust, create stronger business systems, and ultimately develop the career and business you've always wanted.What You'll Learn in This Episode✔️ Why an investment mindset fuels long-term business growth✔️ How time investment builds your business foundation early✔️ Questions to ask before every strategic business investment✔️ Why NOT investing often costs more long-term✔️ How professional expertise scales as your business growsRead the Blog >>> Building a Strong Interior Design Business Foundation Through Intentional Investment NEXT STEPS:

Send us Fan MailNonprofit revenue growth requires more than another campaign, gala, or grant application. John Abrahamson, CFO and COO of Action Council, shares how nonprofits can connect earned revenue, contributed revenue, program priorities, financial literacy, and organizational culture within one stronger business strategy.Action Council provides infrastructure and fiscal sponsorship for approximately 30 smaller organizations delivering healthcare, education, and other community services in Monterey County. Drawing from this work—and his leadership experience with organizations including the National Geographic Society and Monterey Bay Aquarium—John challenges the siloed approach that often separates finance, fundraising, programming, and earned revenue.His recommendation is direct: examine every activity according to its required resources and measurable contribution to the mission.“You can actually have higher impact by doing fewer programs that have the most impact toward your stated mission,” John tells us.The conversation explores how mission creep develops, why finance leaders must understand what happens beyond the spreadsheet, and how financial literacy can reduce fear across departments. The discussion also introduces the “Bubba Gump Effect”—the idea that organizations may face greater danger by tying themselves to the shore and waiting for conditions to improve than by moving directly into change. Using Blue Ocean Strategy principles, John encourages nonprofit leaders to question inherited business models and explore revenue opportunities outside crowded, familiar territory.Another major lesson is the difference between plate cost and true cost. A fundraising gala may appear profitable until staff time, insurance, technology, facilities, operational disruption, and missed opportunities are included. As John asks, was the squeeze worth the juice?Ultimately, disciplined financial decisions depend on trust, communication, and consistent leadership. “It's sometimes more compassionate to say no than it is to say yes and not be able to fully fulfill.” Key Takeaways:* Integrate earned and contributed revenue into one organizational strategy.* Compare each program's resource requirements with its contribution to mission.* Include labor, overhead, disruption, and opportunity cost when evaluating events.* Build financial literacy before asking employees to accept difficult decisions.* Use periods of change to reconsider legacy processes and revenue models.* Earn organizational trust through consistent, visible leadership behavior.00:00:00 Creative Approaches to Nonprofit Revenue Growth00:01:31 How Fiscal Sponsorship Provides Business Infrastructure00:04:23 Why Earned and Contributed Revenue Belong Together00:05:26 Breaking Down Organizational Silos00:07:49 Doing Less to Produce Greater Mission Impact00:10:12 Mission Creep and the Changing Funding Landscape00:12:07 Moving Finance Beyond Rows and Columns00:14:01 Building Financial Literacy Across the Organization00:15:27 The Bubba Gump Effect: Facing the Storm00:18:54 Plate Cost Versus the True Cost of Programs00:20:15 Do Nonprofit Galas Really Produce a Return?00:22:33 Measuring Opportunity Cost and Mission Impact00:24:17 Why Strong Leaders Give Teams Permission to Say No00:25:41 Consistency, Culture, and Organizational TrustFind us Live daily on YouTube!Find us  Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits!  12:30pm ET   11:30am CT  10:30am MT  9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

Ready to take a pit stop on your retirement journey? This week on "Your Retirement Highway," Matt Allgeyer is flying solo and diving deep into one of those topics everyone buys but nobody fully understands—long-term care. Whether you're cruising toward retirement or just merging onto the highway, Matt's got real-life stories, unexpected laughs, and surprising truths that might just make you rethink your future. Why do antique mall coasters cost $45 anyway? And more importantly, what happens when you need help with life's daily basics?Think you're prepared for whatever retirement throws your way? Think again. Discover the essentials most people overlook, the triggers behind insurance policies, and—and here's the big secret—a few options that could change how you protect yourself and your family. Matt's pulling over, slowing things down, and giving you just enough to keep you on the edge of your seat. Tune in, learn why a plan beats a product, and find out how your retirement may hinge on decisions you haven't even considered yet!Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

Send us Fan MailThis episode explores how financial penalties within the justice system disproportionately impact low-income communities, often leading to a cycle of debt and criminalization. University of Rhode Island's Dr. Brittany Martin shares insights from her research on monetary sanctions and discusses promising reforms at the state level, particularly Rhode Island's efforts to waive court fees for indigent defendants.In this episode:The various forms of financial penalties beyond fines, including court fees, restitution, and probation costsHow these sanctions are applied unevenly and tend to burden low-income individuals more heavilyThe impact of traffic violations becoming criminal offenses in certain states, contributing to ongoing financial stressRhode Island's legislative reforms eliminating court costs for many defendants and the observed outcomesThe role of assessment of ability to pay in improving collections while promoting fairnessHow research can inform legislative change and court practices around fines and feesThe importance of justice that balances accountability with economic realitiesTimestamps:00:00 - Introduction to the issue of fines and fees in criminal justice00:28 - Background: Research origins and early interests in monetary sanctions01:14 - Types of financial penalties: Fines, fees, restitution, and jail costs02:13 - The scope of monetary sanctions and their enforcement across states02:59 - Public defender fees and misconceptions about free legal aid03:29 - Restitution and incarceration costs impacting low-income individuals04:45 - The disproportionate burden on those with lower incomes05:07 - How monetary sanctions erode perceived justice and legitimacy06:23 - Statistically how most defendants are indigent, with significant consequences06:57 - Traffic violations as criminal offenses and their financial implications07:15 - The cycle created by criminal traffic offenses and probation fees08:20 - Policy shifts: Rhode Island's legislation to waive court fees for indigent defendants09:20 - The recent reforms and their early impacts in Rhode Island11:38 - The broader movement across states to reform or eliminate municipal and court fees12:06 - Dr. Martin's role at the Fines and Fees Justice Center and her focus on ability-to-pay assessments13:21 - How research can inform policies that improve efficiency and fairness in courts14:33 - Key questions for Rhode Island political candidates about criminal justice reform and financial burdens15:37 - Closing thoughts on the importance of justice that respects economic diversity and fairnessSupport the showFollow Bill on Instagram and YouTube

Are you your own biggest roadblock to success? In this episode, Jess Dewell (Managing Partner and Growth Strategist at Red Direction) , Christy Maxfield (President and CEO at Purpose First Advisors), and Dean Barta (Founder and CEO at Barta Business Group, have a candid conversation about what growth really looks like — and what it costs.   Growth isn't just about revenue. It means building infrastructure, developing talent, entering new markets, and making hard choices — planned and unplanned. But before any of that, it starts with mindset.   Your inner dialog has real-world consequences, and knowing where you're being held back — by external forces or by yourself — is the first step toward designing intentional action.   Together, Jess, Christy, and Dean explore:   How to stay with the problem when it shows up Why you don't need all the data — just the right data How tools like SWOT analysis can normalize smarter decision-making When and how to approach client diversification The power of starting with the end in mind How to let go of the stories holding you back   If you're ready to transform challenges into opportunities and build a business that is both successful and sustainable, this episode is for you.   -------------------   If you want to identify business bottlenecks, the necessary skills, the initial actions to take, the expected milestones, and the priorities for achieving growth, try the "Growth Framework Reset" approach. This will help you keep learning and growing while working strategically on your business.  --------------------   You can get in touch with Jess Dewell on Twitter,  LinkedIn or Red Direction website.

George Wright III interviews Colton Page, managing partner at PlatPay, about how entrepreneurs lose money daily through overlooked payment infrastructure, hidden fees, fraud, and risk. Page explains that payment processing is more than “hooking up Stripe,” requiring proper architecture across gateways, CRMs, plugins, and banking relationships, including true redundancy across different banks rather than multiple processors tied to the same bank. They discuss trends like friendly fraud and chargebacks at scale, owner-operator versus enterprise roles, and growth leakage from unnoticed fees, downgrades, and declines, with examples of businesses overpaying by tens of thousands per month. Page outlines PlatPay's ability to interpret large, antiquated Visa data files to surface actionable insights, then layer secure AI in a dashboard to help owners make faster decisions. They preview Page's new podcast, Above the Edge, aimed at learning-focused founder operators through real, vulnerable conversations, and note challenges like Visa VAMP compliance and delayed visibility into penalties.00:00 AI vs Real Edge01:03 Welcome and Money Leaks02:37 Payments Misconceptions03:54 Fraud and Chargebacks04:44 Enterprise Operator Mindset06:09 Payment Infrastructure Strategy08:08 Why Start a Podcast10:04 Meaning of Above the Edge11:16 Ideal Listener and Vulnerability14:12 Hidden Costs of Scaling17:44 Downgrades Explained19:05 Data Files and AI Layer22:56 VAMP Compliance Risks27:25 Founder Mistakes and Audits30:06 Wrap Up and Next StepsThanks for listening, and Please Share this Episode with someone. It would really help us to grow our show and share these valuable tips and strategies with others. Have a great day.George Wright III“It's Never Too Late to Start Living the Life You Were Meant to Live”FREE Daily Mastermind Resources:CONNECT with George & Access Tons of ResourcesGet access to Proven Strategies and Time-Test Principles for Success. Plus, download and access tons of FREE resources and online events by joining our Exclusive Community of Entrepreneurs, Business Owners, and High Achievers like YOU.Join FREE at DailyMastermind.comFollow me on social media Facebook | Instagram | Linkedin | TikTok | YoutubeGrow Your Authority and Personal Brand with a FREE Interview in a Top Global Magazine HERE.Guest Bio:Colton Page is the Managing Partner of PLATPAY, an AI-powered financial company built on the belief that traditional financial systems are inefficient, opaque, and costly. Through PLATPAY, he helps enterprise merchants recover lost revenue using advanced AI tools for fraud detection, chargeback automation, compliance protection, and financial reconciliation. His work focuses on rebuilding financial infrastructure from the ground up with AI—helping businesses protect their revenue while enabling investors to grow their wealth more effectively.Links:Instagram https://www.instagram.com/coltenpage/LinkedIn https://www.linkedin.com/in/colten-page-1b32093a/Facebook https://www.facebook.com/colten.page.1

We celebrated the work-from-home revolution with no traffic, no commute, and total freedom. But the research is in, and the findings are unsettling. Days without face-to-face contact are taking a real toll. Isolation is rising, relationships are fraying, and the digital leash keeps tightening. So what are we actually trading for that extra hour in bed? On the show: Steve, Fei Fei & Yushan

The 2026 FIFA World Cup is finally here and Canada is on a roll! But as the excitement builds on the pitch, we're asking the tough questions: will this massive event actually deliver the economic win that was promised?In this episode, Mike Moffatt and Sabrina Maddeaux dive into the real costs of hosting the world's biggest party. They break down the billion-dollar price tags, FIFA's business model, and whether taxpayers are getting stuck with the bill while others reap the rewards. (Producer note: This episode was recorded on June 5th, 2026.)Topics covered:The economics of hosting the FIFA World CupWhy economists question projected economic benefitsPublic spending on stadiums, security, and infrastructureTourism displacement and local business impactsHousing, short-term rentals, and affordability concernsFIFA's revenue model and tax treatmentTransit, traffic, and quality-of-life effects for residentsLessons from previous World Cup host countriesDynamic ticket pricing and the changing fan experienceIf you enjoy thoughtful discussions on housing, infrastructure, public policy, and the economic issues affecting Canada's middle class, subscribe for more episodes from The Missing Middle.Chapters:00:00 The World Cup's Economic Myth00:49 The Benefits Nobody Talks About03:32 Can Hosting the World Cup Actually Lose Money?05:11 Why More Tourists Doesn't Mean More Growth07:00 Who's Really Paying the $1 Billion Bill?08:23 FIFA's Billion-Dollar Business Model09:19 Cities Pay, FIFA Profits10:39 The Tax Breaks You Didn't Know About12:27 The Hidden Costs for Residents15:21 What Past World Cups Teach Us17:07 Are These Games Worth the Price?17:49 Why World Cup Tickets Are Exploding in Cost19:22 The People's Game or a VIP Experience?Research:BMO Capital Markets -- Canada World Cup GDP boost (up to $6.5B):https://www.wealthprofessional.ca/news/industry-news/bmo-world-cup-2026-set-to-deliver-up-to-c65-billion-economic-boost-for-canada/392593The World Cup is expensive, but it's our turn to pick up the tabhttps://www.theglobeandmail.com/sports/soccer/article-the-world-cup-is-expensive-but-its-our-turn-to-pick-up-the-tab/ProPublica -- 'You do, you pay, we take': how FIFA's host city deals work:https://www.propublica.org/article/world-cup-2026-host-cities-revenue-houstonCBC -- FIFA/Deloitte economic impact assessment for Canada ($3.8B figure):https://www.cbc.ca/sports/soccer/world-cup-2026-canada-fifa-economic-benefits-1.7406435 BNN Bloomberg -- Why economic impact on Vancouver and Toronto may never be known:https://www.bnnbloomberg.ca/business/economics/2026/05/11/blind-side-why-world-cup-economic-impact-on-vancouver-and-toronto-may-never-be-known/Bloomberg Tax -- FIFA 2026 World Cup tax demands on host countries:https://news.bloombergtax.com/tax-management-international/fifa-2026-world-cup-blows-the-whistle-on-complex-tax-risksCP24 -- Toronto holds transit fares steady; NJ Transit $48M bill; Boston $80 game-day fare:https://www.cp24.com/local/toronto/2026/04/16/toronto-will-not-hike-cost-of-transit-during-world-cup-as-other-host-cities-announce-big-fare-increases-to-venues/ESPN -- World Cup ticket sticker shock and dynamic pricing:https://www.espn.com/soccer/story/_/id/48947095/2026-fifa-world-cup-sticker-shock-ugly-cost-beautiful-game-grand-eventVictor Matheson / Holy Cross -- The Economics of the World Cup (academic; stadium white elephants, tourism overestimates):https://hcapps.holycross.edu/hcs/RePEc/hcx/HC1805-Matheson_WorldCup.pdfHosted by Mike Moffatt & Cara Stern & Sabrina MaddeauxProduced by Meredith MartinFunded by the Neptis Foundation https://neptis.org/

Paul Sippil, a forensic 401k consultant, joins The Manufacturing Employer to reveal the hidden costs and pitfalls lurking in many manufacturers' retirement plans. Drawing on decades of auditing and advisory experience, Paul explains how excessive and undisclosed fees quietly erode employee savings and trust. He breaks down common misconceptions, the risks of undetected conflicts of interest, and why transparency and detailed invoicing are essential for both owners and employees.

What happens when we blindly accept the monuments in our built world, treating them as permanent fixtures of history rather than invitations to critique the traditions they represent? The University of West Georgia's Emerita Professor of Philosophy, Dr. Janet Donohoe, joins host PJ Wehry to discuss the overlooked dynamism of our built environment and how we interact with public memory. Dr. Donohoe explores the complex ties between physical spaces and tradition in her book, Remembering Places: A Phenomenological Study of the Relationship between Memory and Place. They examine how the removal of monuments is not an erasure of history but a rewriting of it, and how understanding our physical world can help us critically engage with the narratives we pass on to future generations. In this conversation they explore: How monuments function as a "palimpsest," where tearing them down doesn't remove the place but instead writes over it, leaving underlying traces of memory and tradition. Husserl's concepts of the "home world" and "alien world," demonstrating how our childhood environments physically write themselves onto our bodies and set our normative baseline for experiencing new places. The striking contrast between the World War II Memorial, which uses its overbearing scale to dictate a narrative of American power, and the Vietnam Veterans Memorial, an open space that invites profound personal reflection and critique. Why rushing to memorialize tragedies, such as the push to immediately erect 9/11 monuments, often solidifies a narrative of victimization without allowing for the necessary time to process and understand the long-term impact. The dual meaning of the word "monument"—to remember and to be mindful—which calls us to actively critique our traditions rather than blindly perpetuating them. How the meaning of a monument is never truly "set in stone," but rather emerges dynamically in the continuous encounter between the viewer and the physical space. This is a conversation for anyone interested in philosophy, architecture, and history who wants to understand the profound weight behind our built environment and how we process the evolving, physical traditions of our modern age.Make sure to check out Dr. Donohoe's book: Remembering Places: A Phenomenological Study of the Relationship between Memory and Place

On this episode, we're talking about something that affects millions of fertility patients—but that almost nobody talks about until the bill shows up: reproductive tissue storage.If you have embryos, eggs, or sperm in storage, you know the drill. Every year, another invoice arrives. Maybe it's $600. Maybe it's $800. Maybe it's over $1,000. Most people just pay it because they assume that's the cost. But what if it isn't? Ali's guest today is Charlie Boyer, CEO and Co-Founder of Generations CryoVault, and he's on a mission to shake up an industry that he believes has gotten way too comfortable charging fertility patients more and more for storage. Charlie's background is actually in financial services and cord blood storage, but after taking a closer look at reproductive tissue storage, he started asking some uncomfortable questions: Why are prices so high? Why don't patients know they have options? And why are so many clinics owned by private equity firms without patients even realizing it? In this conversation, Ali and Charlie talk about transparency, private equity, patient choice, and Generation CryoVault's new Pricing Promise, which aims to dramatically lower the cost of long-term embryo, egg, and sperm storage. They also discuss whoownsyourcare.org, how to find out who actually stores your tissue, and what questions every fertility patient should be asking their clinic. Whether you have embryos in storage right now, you're considering fertility treatment, or you're just curious about where all those fertility dollars are going, this is a fascinating conversation about an often-overlooked part of the family-building journey.For more info, go to https://gencryo.com/IG: @generationscryovaultEPISODE SPONSORS: THE WORK OF ART BOOK SERIESAli's Children's Book Series about IVF, IUI and Family Building Through Assisted Reproductive Technology https://www.infertileafgroup.com/booksThe 3-book bundle is now just $49 (normally $79)!The latest book in the Work of ART series, “You Are a Work of ART," is for every kiddo born through ART -- and the people who love them.PHERDALIG: @pherdal_sciencePherDal is the world's first and only FDA-cleared, sterile, at-home insemination kit designed to help people build their families in the comfort of home. Created by parents who've been there, PherDal is safe, simple, and affordable—putting more options in your hands as you grow your family. Explore at PherDal.com.Go to PherDal.com today and use code INFERTILEAF for $10 off.CARAWAYCaraway cookware is beautiful, first of all — like, actually gorgeous sitting on your stove — but it also makes cooking feel easier and less stressful.Visit carawayhome.com to take an additional 10% off your next purchase using code INFERTILEAF at checkout.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In Louisville and Southern Indiana's upper-tier real estate market, timing is more than important—it is strategic. For discerning homeowners considering a sale, monitoring shifts in property values, or evaluating the impact of interest rates on buyer behavior, standing still is rarely neutral. In a market defined by movement, timing and positioning can have a meaningful effect on the outcome. Today's most successful sellers are not waiting for the market to dictate their next move. They are preparing in advance, aligning their property with current demand, and entering the market with a clear, intelligent strategy. Bob Sokoler, founder of We Sell Louisville, offers a level of local expertise and market perspective that only decades of experience can provide. Known for his strategic approach and deep understanding of the Louisville and Southern Indiana market, Bob works closely with homeowners to protect equity, elevate presentation, and capitalize on opportunities with confidence and discretion. Elevated Insight for Significant Real Estate Decisions Exceptional real estate decisions are not made from general information. They require timely, market-specific intelligence and a sophisticated understanding of where the market is heading. Each Sunday from 8:30 to 9:00 AM on 840 WHAS, Bob Sokoler hosts the Louisville Real Estate Show, where he delivers informed, data-driven analysis on the issues that matter most to homeowners and sellers, including: Luxury and residential home values Mortgage and interest rate trends Inventory movement Buyer demand and investment opportunities This is far more than general market commentary. It is strategic local insight designed to help sellers make informed, confident decisions in real time. Clarity Before You Bring Your Home to Market When preparing to sell a significant property, clarity is essential. Pricing, positioning, and timing should all be guided by data—not guesswork. Through WeSellLouisville.com, Bob Sokoler provides homeowners with tailored market insight based on their property, location, and goals. This personalized approach helps sellers move forward from a position of strength, with a clear understanding of how to maximize value in a competitive and evolving market. A More Strategic Advantage with We Sell Louisville For luxury and high-value home sellers, success requires more than exposure. It requires thoughtful positioning, compelling presentation, and experienced representation. Bob Sokoler and the We Sell Louisville team offer a highly strategic approach designed to showcase a home's strongest attributes, attract qualified buyers, and create the conditions for premium results. From targeted marketing and refined positioning to skilled negotiation and market timing, every element is handled with care, precision, and purpose. The result is a selling experience grounded in professionalism, discretion, and performance—qualities that matter when the property, and the outcome, are significant. Take the Next Step with Confidence The market is already moving. The advantage belongs to sellers who are prepared, well-advised, and positioned with intention. If you are considering the sale of your home in Louisville or Southern Indiana, connect with Bob Sokoler and the We Sell Louisville team for trusted guidance, elevated strategy, and the market intelligence to move forward with confidence. Contact Information Bob Sokoler 10525 Timberwood Circle Louisville, KY 40223 Website: WeSellLouisville.com Email: bob@WeSellLouisville.com Phone: (502) 376-5483

In this episode of SPACES, Dimitrius examines one of the most overlooked parts of any construction project: soft costs. He highlights what the total project budget should include and explores why soft costs are not “extras” — they are the services and approvals that make a project buildable, coordinated, and legally permitted. For owners, understanding these costs early can help prevent financial stress, delays, and costly surprises later.In this episode:Why construction cost is only one part of your total project budgetWhat soft costs are and why they matterWhy architecture is more than “drawing plans”When engineering becomes necessaryWhy permits and plan check fees vary so widelyHow Title 24 energy compliance affects California projectsWhen surveys, soils reports, and specialty consultants may be requiredWhy contingency should be included and tracked separatelyHow better planning reduces risk before construction beginsIf your budget only includes construction, it is not your real project budget. A realistic project budget should account for construction, soft costs, and contingency.Before You Build Guidebook DownloadLYNESIf you enjoy our content, you can check out similar content from our fellow creators at Gābl Media.Spaces Podcast Spaces Podcast websiteLYNES // Gābl MediaAll rights reserved

5 Hidden Costs of Sprint Planning And the Agile Approach That Actually WorksHidden cost 1 — Meeting time multiplied by shallow decisionsHidden cost 2 - Inflated estimates driven by groupthinkHidden cost 3 — Hidden work and untracked dependenciesHidden cost 4 — The false economy of large batch planningHidden cost 5 — Overcommitment as a culture problem- [website] ⁠⁠⁠⁠⁠https://www.agiledad.com/⁠⁠⁠⁠⁠- [instagram] ⁠⁠⁠⁠⁠https://www.instagram.com/agile_coach/⁠⁠⁠⁠⁠- [facebook] ⁠⁠⁠⁠⁠https://www.facebook.com/RealAgileDad/⁠⁠⁠⁠⁠- [Linkedin] ⁠⁠⁠⁠⁠https://www.linkedin.com/in/leehenson/

AI Data Centers Have Hidden Costs by Nick Espinosa, Chief Security Fanatic

In this episode of the Shift AI Podcast, Stephen Caines, Chief Innovation Officer and Budget Director at the City of San Jose, joins host Boaz Ashkenazy for a wide-ranging conversation on how AI is reshaping city government, public services, and the workforce at one of America's most technologically ambitious cities.Stephen shares his unconventional path from pre-med at Case Western to digital privacy law at the University of Miami, a Stanford fellowship researching surveillance AI ethics, and ultimately landing at San Jose's Mayor's Office where he now leads both innovation strategy and the city's budget. From there, the conversation dives into how San Jose is positioning itself as the AI-first city in the nation, leveraging proximity to Adobe, Cisco, Zoom, Nvidia, Apple, and Google to advance meaningful community-level change.The discussion explores the city's AI for All initiative, a public-private partnership with Anthropic, Google, and OpenAI to provide free AI education to residents and city employees alike. Stephen walks through the city's dual-track upskilling program, its approach to employee training that is purposely non-mandatory, and how San Jose is balancing top-down innovation mandates with bottom-up experimentation.Boaz and Stephen also dig into real-world deployments: object detection cameras on fleet vehicles that proactively identify potholes and road hazards before residents report them, AI translation tools expanding Spanish and Vietnamese participation in city council meetings, and the 311 customer service redesign aimed at reducing resident burden while improving satisfaction. Stephen is candid about the ROI question, how to distinguish pilots worth operationalizing from ones that generate noise without value and the long-term financial risks of AI infrastructure built on VC-subsidized pricing.The episode closes with a discussion of the GovAI Coalition, a San Jose-founded network now spanning over 900 public agencies, and Stephen's two-word vision for the future of work: chronic adaptability.Chapters[00:00] From Pre-Med to Chief Innovation Officer: Stephen's Career Journey[04:12] San Jose as the AI-First City: Population, Geography, and the Lean City Challenge[07:49] Proximity as Advantage: Partnering with Anthropic, Google, OpenAI, and Nvidia[08:23] AI for All: Free Community Education and In-Person Training Sessions[11:10] Upskilling City Employees: Voluntary Training, Two Tracks, and Retention Strategy[14:38] Balancing Top-Down and Bottom-Up Innovation[16:14] The 311 Network and Customer Service Vision: A 360-Degree View of the Resident[17:13] Object Detection on Fleet Vehicles: Proactive Pothole and Road Hazard Detection[19:34] Surprising Community Feedback and the Case for Keeping Humans at the Front Door[22:04] ROI in Government: How to Evaluate Pilots and Decide What Gets Operationalized[24:24] The Hidden Costs of AI: Staffing Realignment, Drone Programs, and VC Subsidies[26:14] Building Infrastructure You Own: The Road Safety Images Database[27:24] The GovAI Coalition: 900 Public Agencies, Shared Contracts, and Peer Learning[32:04] The Future of Work in Cities: Chronic Adaptability and the Individual JourneyConnect with Stephen CainesLinkedIn: https://www.linkedin.com/in/stephen-caines/City of San Jose Innovation Hub: https://www.sanjoseca.gov/your-government/departments-offices/information-technology/city-innovation/it-innovation-hubConnect with the GovAI CoalitionWebsite: https://www.sanjoseca.gov/your-government/departments-offices/information-technology/ai-reviews-algorithm-register/govai-coalitionConnect with Boaz AshkenazyLinkedIn: https://www.linkedin.com/in/boazashkenazy/Email: info@shiftai.fm

Could choosing the wrong franchise cost you years of time, money, and opportunity before you even realize you've made the mistake? If you're considering franchise ownership, it's easy to get distracted by big brand names, flashy marketing, or promises of financial freedom. But as you'll hear in this first episode of a three-part franchising series, the wrong franchise isn't always a bad franchise—it's often a franchise that doesn't fit your goals, skills, lifestyle, or vision for the future. Understanding how to evaluate opportunities before you invest can help you avoid expensive mistakes and increase your chances of building a business worth owning. What You'll Gain From This Episode: Learn the most common reasons entrepreneurs end up choosing the wrong franchise and how to avoid those costly pitfalls. Discover the key questions to ask when evaluating franchise opportunities, franchise culture, support systems, and long-term growth potential. Understand how your personality, experience, risk tolerance, and goals should influence your franchise selection process. Before you invest a dollar into franchise ownership, listen to this episode to learn how to avoid the wrong franchise and identify opportunities that align with your vision for growth and long-term success. Check out: 3:35 – Should You Buy an Established Franchise or Take a Risk on a New Concept? Matt Stevens explains why some investors are attracted to emerging franchise brands and the risks and rewards of getting in early. 16:50 – The Hidden Costs and Challenges of Becoming a Franchisor Learn why franchising isn't a shortcut to growth and what business owners often underestimate when expanding through a franchise model. 29:15 – The Biggest Reason People Choose the Wrong Franchise Matt shares why franchise success starts with understanding your own goals, lifestyle, and motivations—not just finding a popular brand. About Matt Stevens The Franchise Guy, Matt Stevens, is among the more experienced franchise consultants in the country, with more than thirty years in the industry. He has owned four businesses, been Rookie Franchisee of the Year, turned around struggling divisions, and served as a quality board member and partner inside a two-billion-dollar franchise group. Matt is a FranChoice Gold and Century Club member, a Business First Columbus Forty Under 40 honoree, and the author of Franchising 101, an introductory course to franchising. He holds three business degrees from Florida Southern College and Wake Forest University, and is a MENSA member

In this episode of Financial Safari, Coach Pete and the team discuss how retirees can make more confident decisions by understanding the fine print before they buy, borrow, invest, or start drawing income. From big purchases and hidden fees to market risk and rollover mistakes, the conversation highlights the importance of having a written retirement plan instead of relying on guesswork. Listeners will also hear about “financial termites” — the hidden costs, fees, taxes, and risks that can quietly eat away at retirement savings. The episode covers income planning, risk versus safety, bucket strategies, and why the money you have saved is not always the same as the money you can safely spend.See omnystudio.com/listener for privacy information.

Andrew Mayne and Brian Brushwood dig into one of the most immediately useful applications of AI agents: hunting down waste, friction, and forgotten costs in everyday business operations. Brian explains how connecting ChatGPT to his finances helped him uncover orphaned subscriptions, duplicate services, and even a long-forgotten annual GPS dog collar charge, while Andrew describes using Codex to audit AWS charges, recurring billing in Gmail, Apple Card statements, and an overpriced web host for the podcast. Along the way they make the case that Codex is different from a normal chatbot because it can persist on tasks, work through files and folders, use connected accounts, operate websites without APIs, and function more like a capable intern than a search box. They also talk through the learning curve, privacy concerns, trust-building in stages, using AI to generate business experiments and revenue ideas, and why speed of adaptation matters more than trying to pause technological change. The recurring theme is simple: use AI to find the stupid in your systems, save real money, and free up time for more creative work. Picks: Andrew Mayne: Riley Brown’s YouTube quick-start tutorials on Codex Brian Brushwood: Just Evil Enough by Alistair Croll and Emily Ross

Andrew Mayne and Brian Brushwood dig into one of the most immediately useful applications of AI agents: hunting down waste, friction, and forgotten costs in everyday business operations. Brian explains how connecting ChatGPT to his finances helped him uncover orphaned subscriptions, duplicate services, and even a long-forgotten annual GPS dog collar charge, while Andrew describes using Codex to audit AWS charges, recurring billing in Gmail, Apple Card statements, and an overpriced web host for the podcast. Along the way they make the case that Codex is different from a normal chatbot because it can persist on tasks, work through files and folders, use connected accounts, operate websites without APIs, and function more like a capable intern than a search box. They also talk through the learning curve, privacy concerns, trust-building in stages, using AI to generate business experiments and revenue ideas, and why speed of adaptation matters more than trying to pause technological change. The recurring theme is simple: use AI to find the stupid in your systems, save real money, and free up time for more creative work. Picks: Andrew Mayne: Riley Brown’s YouTube quick-start tutorials on Codex Brian Brushwood: Just Evil Enough by Alistair Croll and Emily Ross

In this episode, Chris sits down with John Owen, President and CEO of Airshare, one of the largest private jet operators in the country. Airshare started in 2000 and spent over twenty years as a regional Midwest operator before going national in 2023 by acquiring Wheels Up's aircraft management business. They get into how the business actually works, where operators make and lose money, and where the industry is headed. They discuss: - Why fractional is the one part of the industry growing - How the Wheels Up deal came together - Why new jets are booked out to 2029 - The Wi-Fi arms race in the air - His approach to bringing AI into the company Timestamps: (00:00) Intro (03:01) Rise of Fractional Ownership (05:10) The Hidden Costs of Jet Ownership (08:40) Choosing Between Charter, Jet Cards & Ownership (11:35) The Wheels Up Acquisition (16:28) What Makes a Good Acquisition Target (21:39) Why Empty Legs Rarely Work (24:38) The Lasting Impact of COVID on Private Aviation (28:35) The Evolution of In-Flight Wi-Fi (31:18) Dealing with Airport and FBO Congestion (37:37) Consolidation in Private Aviation (43:03) Transferring a Management Company (47:31) Airshare's Most Important Metrics (51:41) AI Inside the Business Find our sponsors: Collateral Partners - https://collateral.com/fort Relay Human Cloud - https://www.relayhumancloud.com/powers/ Download FastJets:iOs: https://apps.apple.com/us/app/fastjets/id6756160345Android: https://play.google.com/store/apps/details?id=com.flyjetting.app Chris on Social Media: X: https://x.com/fortworthchris Instagram: https://www.instagram.com/thepowerspodcast LinkedIn: https://www.linkedin.com/in/chrispowersjr/ Visit our website: https://www.powerspod.com/ Leave a review on Apple: https://bit.ly/45crFD0 Leave a review on Spotify: https://bit.ly/3Krl9jO

PEACEFUL MIND PODCAST — EPISODE 330 Breaking Free From the Fear of Judgment When was the last time you didn't do something because you were afraid of what someone else would think? Maybe it was today. Maybe it's something that happens so often you've stopped noticing. In this episode, Danielle gets to the root of something that holds so many moms back — not by offering a pep talk, but by helping you actually understand what's happening in your brain when the fear of judgment kicks in. Once you see it clearly, something shifts. The fear of judgment isn't really about other people. It's about how your brain works. And once you understand that, you can stop letting it run your life. In This Episode You'll Learn: Why your brain is wired to judge — and why everyone else's brain is too, and what that means for you Why there is literally no way to live that avoids judgment completely — and the question to ask instead How other people's judgments are more about them than they are about you Five practical steps to start breaking free from the fear of judgment for good How to give yourself the approval you've been looking for from others Get full show notes, transcript, and more information here Related Episodes If this topic resonated with you, these episodes may also help: #322 — Whose Life Are You Living? #247 — Hidden Costs to People-Pleasing: A Catholic Mom's Guide to Authentic Living #228 — How to Let Go of What Other People Think

In this episode, Paul Galloway speaks with Craig Jeffery of Strategic Treasurer about operational complexity in treasury and the hidden costs it creates over time. They discuss how growth, acquisitions, new payment rails, evolving regulations, and fragmented systems contribute to increasing complexity across treasury operations. The conversation explores the impact of manual processes, defects, inefficient workflows, data fragmentation, and poor process design, while emphasizing the importance of end-to-end visibility, standardization, automation, and scalable controls to improve efficiency and reduce operational risk. Company Website: Strategic Treasurer: https://strategictreasurer.com

Clint and Nate are back for another honest conversation about what retirement actually looks like — and what most people don't see coming.Retirement planning isn't just about the numbers. In this episode of Gimme Some Truth, Clint and Nate dig into the real social and financial challenges that catch people off guard once they stop working. They start with something almost nobody plans for: what happens when spouses have completely different visions of retirement. One partner wants to travel, the other wants to keep working part-time — and neither has said it out loud.From there, they tackle the "I'll just consult" plan that so many pre-retirees lean on. It sounds easy in theory, but the reality is more complicated than most people expect — especially once you factor in the tax implications, Medicare timing, and Social Security coordination.The conversation also covers one of the most emotionally loaded topics in retirement planning: gifting money to your kids. Clint and Nate explain how well-meaning gifts can create unintended expectations, and why transferring your house to your children before you pass away can trigger serious tax consequences (including losing the stepped-up cost basis).They also break down a growing line item in retirement budgets: wellness spending. Personal trainers, red light therapy, supplements, gym memberships — these costs add up faster than most people anticipate, and they're rarely part of the original plan.Whether you're five years out from retirement or already there, this episode will help you think more clearly about the financial and personal decisions ahead — and why open communication with your spouse, your kids, and your advisor is the most valuable tool you have.Topics covered:- Why couples often enter retirement with completely different mindsets- The "I'll just consult" plan and why it's harder than it sounds- Financial impact of part-time consulting on taxes, Medicare, and Social Security- How gifting money to your kids can create unintended expectations- Why transferring your house to your children is usually a tax mistake- The emotional hurdle of taking your first portfolio withdrawal- Die With Zero philosophy and how to build a gifting plan the right way- Budgeting for wellness in retirement — personal trainers, therapy, and more- Why open communication is the #1 tool in your retirement toolkitChapters:0:00 – Introduction & Best Movie Sequels2:10 – What Retirement Really Feels Like3:25 – Couples & Mismatched Retirement Mindsets5:55 – The "Maybe I'll Consult" Boomerang8:19 – Gifting Money to Kids: The Slippery Slope8:45 – Financial Impact of Consulting (Taxes, Medicare, Social Security)9:33 – The First Withdrawal Is the Hardest11:56 – Die With Zero & Gifting Plans Done Right14:05 – Healthcare & Wellness Costs in Retirement14:06 – Transferring Your House to Your Kids (Don't Do It)15:28 – Red Light Therapy, Trainers & the Real Wellness Budget15:55 – Final Thoughts & Communication as the Core Theme16:34 – DisclaimerSubscribe @walknercondon Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ————————————————ADD US ON:LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

Zach Braff is an actor and director. How do you make it in Hollywood? Zach Braff might have the answer. From leading one of the biggest TV shows of the 2000s to directing iconic episodes and acclaimed films, he's spent decades mastering the industry. So how did he build a career that lasted decades in one of the toughest industries on earth, and what has he been up to since? Expect to learn what it was like bringing back Scrubs's newest season, what it takes to make it in Hollywood, how to stay locked in and avoid distractions, why some great actors haven't broken through to stardom, what it takes to stay ambitious, what reinvention looks like in a career that's already peaked in the public eye, and much more… Sponsors: See discounts for all the products I use and recommend: ⁠⁠https://chriswillx.com/deals⁠⁠ Get a Free Sample Pack of LMNT's most popular flavours with your first purchase at https://drinklmnt.com/modernwisdom Get 160+ lab tests for just $365 and save an extra $25 at https://functionhealth.com/modernwisdom Get 35% off your first subscription on the best supplements from Momentous at https://livemomentous.com/modernwisdom Get up to $50 off the RP Hypertrophy App at https://rpstrength.com/modernwisdom Get ChatGPT to explore ideas, solve problems, and learn faster at ⁠https://chatgpt.com Timestamps: (0:00) What Makes Theatre So Special? (2:08) The Doctor Career Zach Never Had (6:45) The Unsung Heroes of Movie Sets (11:18) Returning to Scrubs (15:30) Why Reboots Shouldn't Rely on Nostalgia (18:25) What Scrubs Means to Zach Today (21:04) Can One Great Role Become a Trap? (29:00) Turning Your Biggest Weaknesses into Strengths (35:39) The Hidden Costs of Success (42:33) Why Going All In Changes Everything (51:57) The Surprising Appeal of Being an Influencer (56:54) What Are Detectives Like Behind Closed Doors? (01:01:35) The Most Effective Detective Strategies (01:05:09) Has Television Lost Its Edge? (01:10:41) Why Game of Thrones Became a Phenomenon Extra Stuff: Get my free reading list of 100 books to read before you die: ⁠⁠https://chriswillx.com/books⁠⁠ Try my productivity energy drink Neutonic: ⁠⁠https://neutonic.com/modernwisdom⁠⁠ Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: ⁠⁠lnkfi.re/SN-Goggins⁠⁠ #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: ⁠⁠lnkfi.re/SN-Peterson⁠⁠ #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: ⁠⁠lnkfi.re/SN-Huberman⁠⁠ - Get In Touch: Instagram: ⁠⁠https://www.instagram.com/chriswillx⁠⁠ Twitter: ⁠⁠https://www.twitter.com/chriswillx⁠⁠ YouTube: ⁠⁠https://www.youtube.com/modernwisdompodcast⁠⁠ Email: ⁠⁠https://chriswillx.com/contact⁠⁠ - Learn more about your ad choices. Visit megaphone.fm/adchoices

Isabel Brown is a conservative media personality and author. Is Gen Z embracing tradition again? Gen Z continues to reject many of the values their parents grew up with and vowed to return toward a more traditional way of life. Is this the start of a lasting cultural shift, or just another passing trend? Expect to learn why Gen Z Is becoming more conservative than ever, the reasons behind the rise in young male and female looksmaxxing, what men should know about women's mental health, the resurgence of the 45-step communist plan to destroy America, why Trump's numbers are plummeting and much more… Sponsors: See discounts for all the products I use and recommend: ⁠⁠https://chriswillx.com/deals⁠⁠ Get up to $350 off the Eight Sleep Pod 5 at https://eightsleep.com/modernwisdom Get 35% off your first subscription on the best supplements from Momentous at https://livemomentous.com/modernwisdom Sign up for a one-dollar-per-month trial period from Shopify at https://shopify.com/modernwisdom Get a Free Sample Pack of LMNT's most popular flavours with your first purchase at https://drinklmnt.com/modernwisdom Get ChatGPT to explore ideas, solve problems, and learn faster at ⁠https://chatgpt.com Timestamps: (0:00) The Rise of Female Looksmaxxing (3:00) The Difference Between Male and Female Looksmaxxing (5:38) Are We Facing a Femininity Crisis? (10:42) The Hidden Costs of Antidepressants (17:39) Understanding the Female Mental Health Crisis (19:30) Is Euphoria Changing Attitudes Toward OnlyFans? (24:30) The Immense Culture Shift Around Marriage and Motherhood (30:45) Why Family Life Isn't Being Taken Seriously (36:22) Is Having Kids Seen As a Limitation? (50:42) Are We Mistaking Sex for Empowerment? (58:19) Is Gen Z More Conservative Than We Think? (01:08:34) Where Does Isabel Agree With Liberals? (01:14:45) Should US Healthcare Be Socialised? (01:28:11) Why Donald Trump's Approval Ratings Are Struggling (01:32:00) What Will Decide the Midterms? (01:37:11) Why Young People Are Returning to Religion (01:44:52) Has Religion Become Personal Branding? (01:51:07) Is There Reason for Optimism? (01:52:11) Where to Find Isabel Extra Stuff: Get my free reading list of 100 books to read before you die: ⁠⁠https://chriswillx.com/books⁠⁠ Try my productivity energy drink Neutonic: ⁠⁠https://neutonic.com/modernwisdom⁠⁠ Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: ⁠⁠lnkfi.re/SN-Goggins⁠⁠ #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: ⁠⁠lnkfi.re/SN-Peterson⁠⁠ #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: ⁠⁠lnkfi.re/SN-Huberman⁠⁠ - Get In Touch: Instagram: ⁠⁠https://www.instagram.com/chriswillx⁠⁠ Twitter: ⁠⁠https://www.twitter.com/chriswillx⁠⁠ YouTube: ⁠⁠https://www.youtube.com/modernwisdompodcast⁠⁠ Email: ⁠⁠https://chriswillx.com/contact⁠⁠ - Learn more about your ad choices. Visit megaphone.fm/adchoices

Making a change on your team can feel emotionally brutal, especially when hope, doubt, and logistics collide. Listen to this short episode to explore the hidden costs of hesitation and why choosing a direction helps me lead with more clarity.Key topics discussed in this episode:• The emotional energy drain of waffling back and forth• Why performance often improves when you start questioning fit• How indecision creates irritation, rumination, and stalled focus• How workarounds, overchecking, and reluctance to delegate slow growth• Choosing between two hard options rather than waiting for certaintyFollow Elite Achievement for more conversations on leadership and high-level execution. About Kristin BurkeKristin Burke works with financial advisors and leaders in financial services who are building and scaling firms. She helps them lead more effectively, develop their team, and execute consistently on the priorities that drive growth.Work with KristinIf you are building a firm and want a strategic partner to help you think through leadership, team development, and execution, you can learn more about working with Kristin here:WebsiteConnect on LinkedInLinkedIn

Everybody's telling you AI is going to save you time, but nobody's handing you the full picture.I'll be upfront: I use AI every single day. It is a real, genuine part of how we run The Pink Bee. This is not a "AI is bad" episode. But I have been watching the conversation around AI get louder and louder, and something critical keeps getting left out of it. Because everything on this podcast is about time management, organization, and productivity, I felt like I had to say something.In this episode, I'm walking you through four hidden costs of implementing AI that nobody in this space seems to want to talk about. These aren't financial costs. They're time costs, and if you're planning to go all in on AI tools, you need to know what you're actually signing up for before you start.What You'll Learn:Why buying someone else's ready-made AI tools and expecting them to work for your business is not the shortcut it sounds likeThe sneaky cost that shows up months after you build something and catches most people completely off guardThe real reason so many people are creating more work for themselves with AI instead of lessHow I handle one specific hidden cost in my own business with a simple monthly calendar habitResources Mentioned:The AI Operating System Behind a 7-Figure Business with Gemma Bohan Carter: https://msumrell--gemmabonhamcarter.thrivecart.com/ai-all-stars-secret/673bb8c2ae01f/The AI Productivity System for High Performers with Callen Faulkner: myrootabl.com/r/IeNnsDs0?rootabl=megan_sumrell________________________________