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This week's episode of Wealth Formula features an interview with Claudia Sahm, and I want to share a quick takeaway before you listen — because she's often misunderstood in the headlines. First, a quick explanation of the Sahm Rule, in plain English. The rule looks at unemployment and asks a very simple question:Has the unemployment rate started rising meaningfully from its recent low? Specifically, if the three-month average unemployment rate rises by 0.5% or more above its lowest level over the past year, the Sahm Rule is triggered. Historically, that has happened early in every U.S. recession since World War II. That's why it gets cited so much. And to be clear — it's cited a lot. The Sahm Rule is tracked by the Federal Reserve, Treasury economists, Wall Street banks, macro funds, and economic research shops globally. When it triggers, it shows up everywhere. That's not by accident. Claudia built one of the cleanest early-warning indicators we have. But here's the part that often gets lost. The Sahm Rule is not a market-timing tool and it's not a prediction machine. Claudia emphasized this repeatedly. It was designed as a policy signal — a way to say, “Hey, if unemployment is rising this fast, waiting too long to respond makes things worse.” In other words, it's a call to action for policymakers, not a command for investors to panic. What makes this cycle unusual — and why talking to Claudia directly was so helpful — is what's actually driving the data. We're not seeing mass layoffs. Layoffs remain low by historical standards. What we're seeing instead is very weak hiring. Companies aren't firing people — they're just not expanding. That distinction matters. And this is where I think the big picture comes in — not just for understanding the economy, but for investing in general. When you step back, the big picture includes a government with massive debt loads that needs interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. And it includes the reality that if the current Fed leadership won't ease fast enough, future leadership will. History tells us that governments eventually get the monetary conditions they need — even if it takes time, even if it takes new appointments, and even if it takes a shift toward a more dovish Federal Reserve. That doesn't mean reckless money printing tomorrow. But it does mean that structurally high rates are unlikely to be permanent. And when you combine that with investing, the question becomes less about this month's headline and more about what's positioned to benefit when the environment normalizes. That's why I continue to focus on real assets that are already deeply discounted — things like multifamily real estate — assets that were repriced brutally during the rate shock, but still sit at the center of a growing, rent-dependent economy. This conversation with Claudia reinforced something I've been talking about for a long time:The biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I've made this mistake myself. If you want a thoughtful, non-sensational, data-driven discussion about where we actually are in this cycle — and what the indicators really mean — I think you'll get a lot out of this episode. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Well Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, uh, listen, we’re back in, uh, back in the saddle in here in, uh, 2026. I know it’s takes some time to get used to it, but we’re, gosh, we’re at the end of the month actually by the time this plays. I think we’re in February. It’s time again to start thinking about investing. And so if you are interested in potentially using this year, which I believe and which many believe to potentially be the last year, uh, big discounts, uh, in real estate and, uh, various other types of offerings. Make sure. To sign up for the Accredit Investor group, our investor club, as we call it wealthformula.com. You do need to be an accredit investor and then you get onboarded. An accredit investor is just defined by who you are. If you make over $300,000 per year filing jointly, or 200 by yourself, every reasonable expectation to do so in the future. Or you have a net worth of a million dollars outta your personal, outside of your personal residence, you’re an accredit investor. Congratulations. Join the club wealthformula.com. Interesting podcast. Today we have, uh, Claudia Sahm She’s a Big Deal, Claudia Sahm. You may recognize that last name som, for this som rule. And what is a som rule in plain English. You actually have heard of the som rule multiple times from other economists who’ve been on the show. The som rule looks at unemployment. And asks a very simple question. Now, has the unemployment rate started rising meaningfully from its recent low? So specifically, if the three month average unemployment rate rises 0.5% or more above its lowest level, over the past year, this som rule is triggered. Now, historically, that has happened early in every US recession since the World War ii. That’s why it gets cited so much. It gets cited a lot. By the way, the sum rule is tracked by the Fed treasury economists, wall Street Banks, macro funds, economic research shops globally, and when it triggers, it shows up everywhere, and that’s not by accident. Uh, Claudia has built one of the cleanest early warning indicators we have, but here’s the part that often gets lost. The som rule is not a market timing tool, and it’s not a prediction machine. Claudia, uh, emphasized that repeatedly. It was designed as a policy signal, a way to say, Hey, if unemployment’s rising this fast, wait, waiting too long to respond makes things worse. In other words, it’s call to action for policy makers, not a command for investors to panic per se. So what makes this cycle unusual and why talking to Claudia directly was so helpful? Well, it’s what’s actually driving the data. We’re not seeing mass layoffs. Layoffs remain low by historical standards. Um, what we’re seeing instead is very weak. Hiring companies aren’t firing people, they’re just not expanding, and that distinction matters. This is where the big picture comes in, not just for understanding the economy. For investing in general and when you step back, the big picture includes a government with massive debt loads that need interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. I’ve mentioned this before and it includes the reality that have to fed, fed, uh, if the current Fed leadership won’t ease fast enough. I am likely the case that future leadership appointed by. Donald Trump himself, uh, will, so history tells us that governments eventually get the monetary conditions they need, even if it takes time, even if it takes new appointments. And even if it takes a shift towards a more dovish federal reserve. Uh, that doesn’t mean, uh, reckless money printing tomorrow, but it does mean that structurally. High interest rates are unlikely to be permanent. Okay? And when you combine that with investing, the question becomes less about this month’s headline and more about what’s positioned to benefit when the environment normalizes. Okay? That’s really, really important, and that’s why I continue to focus on things like real estate, right? Real estate is currently. Not for long, in my opinion, but deeply discounted things like multifamily real estate, um, that were repriced brutally during the rate shot, uh, but are still at the center of a growing and, and rent dependent economy. And again, uh, this conversation with Claudia reinforced something that I’ve been talking about a long time, which is the biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I’ve made that mistake myself. I am not immune. I have made lots of mistakes, and that’s one of them. So this is a great conversation. Hopefully you’ll enjoy it, especially if you want a thoughtful, nons sensational data-driven discussion. Where we are actually at in this cycle and what these indicators really mean. I think you’ll get a lot of this episode and we will have this conversation for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net. The strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you borrowed money at a simple interest rate, your insurance company keeps. Paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today my guest on Wealth Formula podcast is Dr. Claudia Sahm. Uh, she’s an American, uh, macroeconomic expert, uh, known for her work, uh, on monetary and fiscal policy and real-time economic indicators. She developed this som rule, which I think, uh, people have mentioned on this show before, so this is a great opportunity to talk to her about that. Uh, it’s a widely, uh, followed recession signal based on unemployment. She’s also a former Federal Reserve economist and senior policy advisor in government. Um, so welcome, uh, Dr. Sahm. Great. Happy to be here. Thank you. Well, let’s, let’s kind of start out with this som rule because, uh, you know, it’s funny, we, we have had a few different people, uh, at various times bring up the SOM rule, and I think one had actually said that it was triggered, but I don’t don’t think it was at any rate, let’s, let’s start with that. What is the som rule? Lemme start with why is there a som rule, and then we’ll then we’ll get to specifically what the, what the rule is itself. So when I started out on the project, it wasn’t so much about. Calling a recession, like there are some really fancy technical ways that economists like look at the tea leaves and the data and either try to forecast a recession, which is incredibly hard, or even just say we’re in a recession in real time. So like that’s a useful endeavor. But what actually was behind the development of my recession indicator was more of a call to action. How do we develop policies that, that the Congress can put into place very quickly if a recession comes? So these kind of what are referred to as automatic stabilizers, so they’re decided upon ahead of time, but then you do need a trigger that says a recession is here. So now that enhance the unemployment benefits, send out the stimulus checks, whatever it is that we kind of have as our typical tools that are used in recessions, we could have those ready to go as kind of guardrails. Then like you, you turn the policy on. So that was really my emphasis was on how do we do better policy and recessions, get the support out quickly. ’cause that’s the best chance of kind of stabilizing the situation. And then it’s like, well it was in a, it was in a policy volume that they asked for, like a really concrete proposal. So if I’m gonna say an automatic stabilizer, I need to have a proposal for what a trigger could be. So that’s really where the som rule came. So I think it is important. It’s definitely important to me to, I always remember like what the kind of reason for it’s sure. Now that also guided what the indicator itself looks like. So again, it was gonna be in, in fiscal policy. It needs to be simple, it needs to be something that we track it and it needs to, I felt it was important that it capture the reason that we. Fight recessions, why there’s such a bad, uh, you know, outcome. And so it looks at the, the unemployment rate. I use the national unemployment rate, take a three month average. ’cause we wanna smooth out, like there’s bumps and wiggles in the data from month to month. So you kind of, you know, three month average. One way to smooth it out. So you take that series of three month averages, you look at the current value, you compare to the lowest value over the prior 12 months, if you’ve seen an increase of a half, a percentage point or more. Which is really pretty modest, but half a percentage point or more. Historically, we have been in the early months of a recession, so it’s not a forecast. It’s supposed to be like we’re in it. Let’s go. It’s an empirical pattern. It’s one that’s worked in the United States. It reflects kind of our labor market institutions, the way unemployment rate moves and recessions. It historically is the case that once you get past a certain threshold of increased unemployment rate, it tends to build on itself. And in a typical recession, we see increases of. Two, three or more percentage points in the unemployment rate. Uh, so that’s, that’s what the summer rule is. And in fact, it did trigger in the summer of 2024. At that time I had said like, look around, we are not in a recession. GP is still expanding. Job creation is still happening. We don’t see the other hallmarks of a recession. And pointed to the fact that we’d had a very disrupted labor market after the pandemic in particular. You know, there had been a lot of immigration at that point. The unemployment rate is the total number of unemployed. So people who don’t have a job but are actively looking for one out of the labor force, right? And so these people that have to either be employed or looking for jobs, and so we actually saw from the pandemic. Both with the pandemic and then later with the surge and now the reversal in immigration. We’ve seen a lot of movement in the, in the labor force, which makes unemployment rate a little tricky to interpret. And then I’d also argue, we saw early in the pandemic, the unemployment rate dropped very rapidly. We even had labor shortages. So in some ways unemployment rate rising and it has risen over. I mean, it continued to rise last year in 2025. A lot of that’s also normalization. We’d had a very low unemployment rate. So I think the, the pandemic recession has a lot of features that were very unusual. We’ll talk probably more about the labor market continued to be kind of unusual. So the, you know, the somal was not the only recession indicator to fall flat on its face in the cycle. Um, but I think it’s still a useful, useful guide and I, and. You know, even if it’s not a recession, the, the unemployment rate is a full percentage point above, its low in 2023. So, I mean, that, that could, that could be a reason for policymakers to respond, even if it’s not responding to a recession. Right. That was the first time that it, that triggered and, and actually didn’t. End up in a recession, right? There’s some back in the 1950s, earlier, but it’s, it’s the first time where there’ve been some false positives in the past or, or near false positives. Like in 2003. It was kind of close, uh, is like the unemployment rate rises a little bit and then it falls back down. What we saw after it triggered in 2024 is it stabilized. Then last year it continued to rise. So this the pattern that we’ve seen since the pandemic of rapid recovery dropping unemployment rate and then it’s like gradually rising and yet has risen a full percentage point that you go all the way back in the post World War II period. We don’t see anything that looks like that. So that is a very unusual. Paris. So something’s more is going on in the labor market than just our typical business cycle, boom, bust, recession type dynamics. So what is that? What is the thing that’s happening that’s unusual right now in the labor market? Right? So the thing that is driving the unemployment rate up, I think this is a good lesson, a reminder to all of us. It’s not about layoffs. The rate of layoffs in the United States is really quite low. You look at unemployment insurance claims, they’re also quite low. What’s been pushing the unemployment rate up over the last two and a half years has been a very low rate of hiring and, and it’s, and it is something that over time will at least gradually put upward pressure on the unemployment rate and frankly. Until hiring picks up and we really don’t have many signs of it. Even as we enter 2026 unemployment rate’s gonna probably keep drifting up ’cause we’re not keeping job creation’s, not keeping up with, you know, people coming into the, into the labor market and, and that what’s, I think the puzzle right now is that hiring has been very low. But what we’ve seen in terms of consumer spending, business investment, so the kind of the big pieces of GDP, they’ve really held up pretty well, so. Business. It’s not, again, not that recession of the customers have disappeared. And so we’re not hiring, or we may even be firing workers. The customers are there for the businesses, but they’re choosing in this environment not to add, uh, to their payrolls. And that’s slowly pushing up down point rate. Yeah. Um, you know, it, it’s interesting what you’re, you’re talking about, but essentially you’re, people aren’t getting fired. They’re just, when they retire or leave, they’re just not replacing those. Individuals, you know, makes me think a little bit about what’s going on in the big, you know, in the tech push with artificial intelligence and that kind of thing, and increased in efficiency. Certainly you see that in the larger companies like Amazon and all that, where they’re just becoming massively more productive and cutting expenses essentially by, you know, using tech. Do you think that this is sort of an early indication, potentially of that kind of movement? So it. It’s possible, but I think we’re at the very front end of AI disrupting the labor market. This low hiring rate that we’ve talked about. You see this across all kinds of industries, including ones that don’t show high levels of AI adoption, and frankly, a AI adoption is pretty low. I mean, there are some sectors like tech and increasingly finance and some professional services have higher adoption rates. Uh, but in terms of it being able to explain the low hiring. I think it’s pretty tough ’cause the low hiring is such a, such a broad based, um, phenomenon. Now, AI might be, I think, indirectly contributing in that one of, one of the hypotheses about why, um, businesses have been, uh, not hiring despite, you know, economic activity. Continuing to push ahead could be that there’s a lot of uncertainty. Now there is a long list that we could draw of, of factors that might be causing businesses to be uncertain and hesitant to add to their payrolls. Uh, a lot of times you talk about things with tariffs or, you know, economic policy, regulations changing, you know, so there’s a lot going on there. But it could also be, there’s a lot of uncertainty about what this technology means for the future. Maybe you don’t need to bring on more workers because your ability to kind of use and adapt this technologies coming online. And so like that could be part of it. I think there’s another piece, you know, we have a lot of discussion about ai, but I do think that there’s, there could be a, a technology angle to this that’s, that is. Not in the AI technologies, but maybe just some of the more basic kind of automation is again, right after, you know, the, the pandemic recession as we came out of a, you know, very rapid recovery, uh, there was, there was a lot of hiring or that, ’cause businesses had done a lot of firing and they needed to bring back workers really rapidly and we actually had a period of labor shortages. There were workers moving around a lot and there were, that also put a lot of pressure on some employers, particularly in service sector, to automate more ’cause they just couldn’t get the workers, so they needed to bring technology. Online to help, you know, fill the gap. And over time, you know, businesses though, they haven’t done as much hiring, they have been firing. So the workers, they have longer tenures, have more experience, they’re probably more productive. So maybe businesses can kind of, you know, get away with not doing more hiring. ’cause the people they have there can kind of keep up with it. Um, and they’ve done some more automation. I don’t think those are sustainable. I think we’re going to need to see hiring pickup in terms of, of staying with, um, you know, as expanding, uh, demand from customers. But I won’t pretend to know what AI means for the future of the labor force. Right. So like there could be, I think that’s a big conversation about we’re headed, where we’re headed. I think it’s probably a pretty small slice of explaining. Where we’re at right now. You know, it’s interesting because obviously there was a lot of concerns about rising inflation, and particularly in the context of, you know, tariffs and, and among those types of things that were, were, um, coming down the pipe. And as it turns out, inflation seems to be coming down. How do you explain that from where you sit? Because it, it, it seems sort of to contradict a lot of what, you know, many economists believe to be likely. So when thinking about the effects of tariffs on inflation and this, this idea that it didn’t end up being as much of a factors we had really feared, uh, you know, a year ago. I think there’s a few things to keep in mind. One, the announced tariffs, uh. Didn’t come to pass fully. Right? So there’s a big difference between some of the, the, the initial announcements, whether it was on Liberation Day, April 2nd, or the initial kind of retaliation tit for tat with China, where we ended up with some triple digit, uh, tariff numbers. Those didn’t end up being where we, we ended now tariff, the effect of tariff rate. Is much higher than it was before. Right. Uh, president Trump came into office for the second time, so like, I don’t wanna minimize the, the, the increase in tariffs and the US government collected about $200 billion last year in, in additional tariffs. But there is a, there’s a good bit of daylight between what was announced and where we actually ended up. Businesses also proved very capable of trying to avoid those tariffs and not in like a. Illegal kind of way of avoiding them, but, but using inventories like trying to get ahead of them. We know the tariffs are tariffs. There’s been some evidence that, that it’s businesses are gonna start passing on the tariff cost increase when it’s actually tied to the inventories that they’re putting out in front of customers. And for some of our goods, like say apparel or things that have long seasons or come from, you know, all across the world, it actually takes quite a bit of time from the inventories being what actually shows up in front of customers. So there’s been the ability to. Kind of get around the tariffs ’cause they were rolling in. And so do be smart in terms of your inventories. And then it just takes time for those inventories to be, you know, um, to come down. Mm-hmm. By, there’s been several studies at this place, at this point that, that demonstrate that the, the tariffs, the cost of the tariffs is coming into the us. So the, it’s always the importer that pays the tariff, like literally writes the check to the US government. But it’s possible that the foreign producer could say, reduce their prices on what they’re, you know, paying or what they’re asking to be paid for that, uh, imported good. And then that would be a way of the foreign producer sharing the cost of the tariff. But everything that we see from the M Court data suggests that a very small fraction, probably less than 10%. Of the total tariff burden is being born by, at least at this point, born by the foreign producers. So it’s coming into the us. It’s sitting with either US businesses that are importing the goods or have the goods at some point in their, you know, in their supply chains and, and with us customers, the consumers we have, we’ve seen. I think you can really look at the inflation data. You can see the goods prices, which often are kind of a drag on inflation that they did turn around. They’re, they’re putting upward pressure on inflation. It’s not massive. It doesn’t explain all of these, you know, 200 billion in tariff costs, but then it is, it’s sitting with businesses. The effects still, it’s still just not that long enough to really understand. You know what, what the implications. It’s possible. I, I think that’s true with any, with any big policy change. Like it doesn’t happen overnight. I think that’s one thing that a lot of, a lot of economic models that, like, they’re, they’re very sensitive, right? Like as soon as a policy change happens, the models will kind of tell us something pretty dramatic in terms of adjustments. But this last year was a reminder, like when there’s, when there’s a big cost, there’s gonna be a lot of attempts to adjust around it to try to minimize that cost and then. It takes time, like in the real world, like the interactions are much more complex. You know, inventory lags all of the, like, it takes time to move its way through. So I think we’re not done with the pass through. I think we’ll probably still see more come to consumers, but businesses could decide to bear that cost. They, they could, you know, with profit margins. I mean some of, some of the inflationary environment in the pandemic did allow. There were very broad base increases in prices. You did see some companies be profitable from that because it was, there was a, you know, some of the costs were more targeted, but the, you know, the, the price increases were broad. So it could be a time where businesses see that, you know, consumers are more price sensitive now than they were in 21, 20 21, 20 22, so they’re not passing as much on it. Could be that that’s part of where. Like the cost businesses are dealing with that cost by maybe doing less hiring as opposed to passing it on to consumers. Uh, you know, they could be taking a hit with their profits. They, you know, so like, it doesn’t have to go all the way through to consumers. There are different levers that can be pulled. I do think we’ll still see some pass through in the, in probably the first half of this year, and that’s assuming that our whole tariff regime. Sit still, right? It looks like once again we might be, uh, increasing those tariffs, but, um, so yeah, I think it’s just tracing, you know, the tariffs through the system is really complicated. And one last thing I’ll say about the tariffs is they’re not just tariffs on goods that go to consumers. These tariffs have been broad enough that we’re also taring imported goods that are used by our manufacturers used for our, by our businesses in their production. So then it can take a really long time for that to end up with the, you know, the end customer could be a business to start with, and then it moves its way down. So I think these are just, you know, the costs are real. We can see the tariffs have been collected, the costs are there. We can see in the import data, there haven’t been import price data, there haven’t been a lot of adjustments by the foreign suppliers. So then it’s just a question of, we have these costs. Where did the cost go? I believe the last GEP was 4.3% and, uh, inflation was around 2.6, 2.7, or at least core. You’ve obviously, uh, worked at the Fed. Um, give us a sense of the situation that the Fed is trying to figure out here. Like what do they do with these numbers and, you know, all of the issues that surround them. The work at the Fed, I mean, it, it’s laser focused on the, the response, the mandates that the Fed has. So with maximum employment and price stability and with maximum employment, that’s not something that can be easily defined. It’s not like it’s a particular unemployment rate, it’s not a particular payroll number. But I mean, broadly speaking, it’s, you know, do, are, you know, the people who wanna work, are they working? In such a way that it’s not putting pressure on inflation, right? Like labor shortages that end up with wage increases that just, you know, end up with inflation. Like that would be a situation where the Fed would actually want to kind of help restrain some of the. Uh, employment growth. And we, we saw that in this cycle. I mean, the Fed raised rates a lot in 2022 and 2023. Uh, so that’s the maximum employment on the stable prices. The Fed has set a target of the 2%, uh, year over year PCE inflation. So a little different than the CPI inflation, but very much related. And, and it’s one, I mean, that’s, that’s the goal, right? And it, uh. So it starts with those two pieces and, and what’s been, I think what’s been challenging in say the last year as the Fed was, you know, trying to figure out what it was gonna do with interest rates was the fact that it, there was pressure on both sides of the mandate. Mm-hmm. Um, and not necessarily the, well, I mean, inflation itself has, was above the 2%. It continues to be above the 2%. Target has been. Since 2021. Now the Fed’s policy doesn’t have a look back, but I mean, they do worry that the longer inflation stays closer to three than two businesses. Consumers are gonna start to kind of embed three into their actions, their expectations. Then you kind of get stuck there. So like that, that both, you know, they were missing on the inflation mandate and there were, there were concerns that the, that we might see inflation get stuck above the mandate and the way you dislodge it if it gets stuck. Could end up risking a recession, right? So the Fed doesn’t want that to happen. So that’s a real concern. But then on the employment side, you know, we started out talking about the small rule, the rising unemployment rate. We’ve seen the unemployment rate rising. And then last year in particular, it wasn’t just the unemployment rate rising, we saw job creation just really take a leg down. Um. Some of that probably is less immigration population aging, so less supply of workers, which isn’t something the Fed would react to. ’cause that, I mean, if you don’t have as many people that wanna work, you don’t need to create as many jobs. But the unemployment rate was rising, so it’s clear, like there just wasn’t, there wasn’t enough job creation to keep up with, um, the workers who were there, uh, to work. And, and there was a concern that this could, could spiral out. Those small increased unemployment rate that, that very low level of job creation. And frankly, if you look at, I mean the, I mean, we have multiple months and probably more after revisions of declines in payroll employment. Mm-hmm. Like if you looked at the labor market data, you’d be like, aren’t we in a recession or like on the edge of one? Again, that’s not where we’re at, but it, it certainly gave that, that risk. Things could be slowing down. And, and the, the last piece that was really important in the Fed’s decisions was where, where’s the federal funds rate? Where are the interest rate, the policy interest rate they control? And it was still relatively high. For, for recent history, right. Not in the long history of the Fed, but mm-hmm. And so, like the Fed had raised, they’d raised interest rates quite aggressively to fight the inflation in 2022. They’d very gradually lowered it. Some was taken out in 2023 because made some pro, made quite a bit of progress on inflation in, or in 2024, they lowered the rates in 2025, the 75 basis points of cuts that the Fed did. It was out of concern. Of the labor market unraveling a risk, not a, not saying, hey, the labor market is unraveling, but saying the risk that the downside risk to employment are larger and more worrisome than the upside risk to inflation. So this inflation getting stuck, is that still the case as a going into 2026 here? So, you know, even, even last year we saw, we listened to Fed officials, there’s quite a bit of disagreement. Because it was a tough situation to read. There are some Fed officials that were more focused on inflation, some that were more focused on the employment side. Uh, and it really was just a matter of kind of reading the economy and trying to figure out this, a very unusual situation, like where, where was this headed? What did the Fed need to do? In the end, the consensus on the Fed was to do the rate cuts, kind of front load them. They talked a lot about it as insurance. They’re taking out insurance against the labor market deteriorating. And I think with that approach, in all likelihood, and there’s been certainly signaling of this, that when they meet at the end of January, it’ll, they’re unlikely to move again. That this is, this will be an opportunity to hold steady, be patient the Fed has, has taken out their restriction. So they don’t have the higher rates, so they’ve pulled rates down. We also know that early this year there’s various kinds of fiscal support that are coming online or tax cuts to households and to businesses that should give a little extra lift, uh, to the economy. So I think it’s a period of the Fed waiting to see what the effects of their policy changes are, seeing what the effects of the fiscal policy with the expectation this will be enough to stabilize the labor market. Even help get it back on track and really what the Fed would like. I mean, we’ll see what they get, but they’d really like the next cut to be a good news cut. Like inflation. Oh look, it’s moving back down again. We’re making clear progress back to 2%. I think that’s probably gonna take maybe even till the middle of this year to build that case. A strong case for the disinflation. Mm-hmm. But that’s, that’s what they would, would like to do. But they’re gonna keep an eye on the labor market. But nothing we’ve seen in the most recent data suggests that they gotta get moving like that. There’s some, you know, real pressure building. Um, in fact, the labor market looks a little bit better probably than when they met in December and inflation. Showing some signs of progress, but it, it’s pretty bumpy in terms of, there’s a lot of noise in the data at the moment. You mentioned, um, the Fed’s mandate and you know, certainly that’s something, um, that, uh, you know, that, that we know the Fed looks at these unemployment numbers that look at inflation. I’m curious though, that there’s, you know, there is this push and pull with the treasury. In particular, you know, looking at the amount of, of, of, of bonds that need to be refinanced, that kind of thing. I mean, presumably that’s one of the reasons why the Trump administration is pushing so hard, uh, on the Fed to reduce, um, you know, to reduce rates so that you know, this sovereign debt can be refinanced at a, something a little bit more palatable. How much of that actually. I know it’s not supposed to play a part in the Federal Reserve’s actions, but in reality is there, is there that kind of, you know, thinking that, you know, they have to, they, they may try to play ball a little bit with the, with the situation, with the debt. Yeah. There, the, the Fed is not playing ball right now with the administration. Uh, but, but there have been, there have been times in our past. So during World War II, there was an explicit cooperation between the Fed and the Treasury. The Fed kept interest rates low. Both the federal funds rates, so the short term interest rates, they also did, uh, some purchases of longer term to help keep longer term rates down. Right. So I mean, the, the Fed really, they, their policy was oriented exactly on this objective, keeping the borrowing cost of the US government low because it was financing the war effort. So, so there have been times where the Fed has cooperated with treasury. Now, when they came out of World War ii. What happened is, you know, treasury wants to keep interest rates low. This is good for, you know, the economy, good for growth, but it was, it really was creating a lot of inflationary pressures and it took until the early 1950s for the Fed to kind of regain its kind of operational independence from treasury and then go back to pursuing, you know, inflation as a key goal. And then also in the late seventies and maximum employment was added as an explicit goal. So we’re in a place now where. It’s employment, it’s inflation, it, there was quite, um, I mean, president Trump and some other officials have been, you know, very open about saying rates should be low to help with the deficit, with funding the gov. So like, it’s, it’s been in the discussion in the air. But that’s not, that’s not a mandate that Congress has given the Fed. That’s not what they’re pursuing. It does, you know, but things can change at the Fed. We’re gonna see a change in leadership this year with a new Fed chair. Um, the Fed always, I mean, Congress created the Federal Reserve. It’s changed its abilities, its responsibilities over time. I don’t wanna say that we’ll never get back to a place where the Fed thinks about. Its effect on the deficit. I mean, they’re watching it, they know, right? They’re tracking all these aspects of the economy. But in terms of what’s driving the Fed’s decisions about what the, the federal funds rate should be, that’s not part of the calculus right now. Yeah. Um, you know, another, just another question is for clarity. You know, the, the, um, officially right now there’s, there’s no quantitative easing. However, there is. Uh, you know, I’ve been reading, uh, about even, I think even today, there was a, a fair amount of liquidity, uh, being injected in by the Fed. Can you, for people who don’t understand the mechanics of this and what the difference in terminology is, can you explain to us maybe what the difference is between quantitative easing and what’s being done right now? So just as for context, where quantitative easing even came from. So if we go back to the global financial crisis in 2008, the Federal Reserve, in response to that recession, pulled the federal funds rate all the way to zero. Cut rates to zero And as sure many of us remember that that recession was a very deep and long recession. So, and the unemployment rate was, you know, 10% and inflation was not a problem. So the, the Fed would want in that environment to do more to support the economy. But when the federal funds rate is at zero, that’s, its, that has been its primary tool. Well, that’s, that’s. Stepped out. So then as a question of, well, what else could we do to help support the economy? And, and there, there were. Different possibilities. Uh, some European central banks looked at, you know, they actually did negative interest rates or tried to pull their policy rates, and that’s not what the US did. What was done was to do purchases of, uh, treasuries. Uh, there’s also been purchases of mortgage backed securities, and this is where the Fed is. I mean, and, and they’re creating reserves. So the fed, I guess, secretary, uh. Treasury doesn’t refer to it as magic money. Um, you know, they create reserves and then they’re going out and they’re buying tr so they’re pushing that liquidity, that demand into markets. And if you’re, if there’s a lot more demand for treasuries, well, the price of the treasuries will go up. The yield comes down. Interest rates go down. Yep. Interest rates go down. So they. They were, the Fed wanted to support the economy more. That was the tool that they used to do it. So when, when the Fed talks about quantitative easing, it’s not just the tool, the asset purchases, it’s also the intent, right? They wouldn’t do quantitative easing right now. ’cause if the Fed thought they really need to stimulate the economy more, they’ve still got like. More than three percentage points they could cut from the federal funds rate. Like if the issue were right now, we need to like get the economy going, they’re gonna like cut the funds rate and do it that way. They wouldn’t be pur like purchasing assets, purchasing treasuries to do that. But what what happened is between the global financial crisis, the Great recession, so all the asset purchases done then. There was some, some runoff of the balance sheet, but then again, in the pandemic there were a lot of asset purchases. Uh, the Fed has a really big balance sheet, and it has, uh, it, it kind of changes the way that the Fed can even just move around the federal funds rate. Like, I don’t wanna get too much into the, the technicals, but it’s, it’s just, you know, when the Fed says, well, we wanna lower the, the funds rate to 3.5%. In the old days, they could kind of do, you know, with the bank reserves and they could like, make these small purchases and it would, it would make that stick. Now with, there’s, uh, banks have a lot of reserves, so they’re not as responsive. And so just to kind of, there’s like the, the technical, the tools, the Fed has to just make it happen. In terms of operationally, it means that they have to do some purchases now and then they call their, I mean the new name they have for these are reserve management. Purchases. So it’s really about operations. It’s not about, but it does mean they’re purchasing assets. So if you’re just focused on like the Fed’s purchasing assets, they’re putting liquidity into the system. Yes, they are doing that, but it’s not with the intent to kind of push the economy to run harder. It’s just enough liquidity to keep. The federal funds rate stable at the level that they wanted to be at, to just make sure that all these operations are short in the very short term lending markets amongst banks, that it’s all kind of working as mm-hmm. As it should be. So it’s more about operations and it’s about stimulus policy. Right. A lot of our, um, a lot of our listeners are real estate owners, investors, and they’re, you know, they think about, um. Mortgage rates and that kind of thing. There was recently a, a pretty significant, well, I don’t know how significant it really was. I think it was about, was it maybe $250 billion worth of mortgage backed securities purchased by Fannie Mae. Um, that ca can you talk about the purpose of that and really the, you know, what kind of effect that would actually, we could actually expect from that. It’s certainly been, I mean it’s, it is clear. You know, we talked about one reason that the administration would want interest rates down. It’d be like financing the deficit. Right. Another reason that very much pulls into kind of the affordability debate is we want interest rates lower, one of them lower for consumers. Now the White House has put a lot of pressure on the Fed for them to lower rates even faster than they have. Has not played ball with that. But then the Fed has lowered its rates. The Feds rates are very short term rates, and the federal funds rate is like an overnight rate with between banks. Right. So it, and it has an effect on, you know. Credit card rates, short term rates, but it’s not one, it, it has an effect, but it’s really not like driving necessarily 30 year mortgage rates or you know, some of the longer term rates. There’s a lot of other factors that go into that, and so in this kind of, you know, push for lower mortgage rates. Pushing on the Fed is not the only lever to pull, right? The administration has other levers that they could potentially pull, um, in trying to influence mortgage rates. Now, there, I’d argue the administration’s tools here, like the, the $200 billion, Fannie and Freddie purchase that you mentioned. That really is about trying to reduce the spread. Between mortgages and treasuries. So in some ways it sounds similar, like, oh, fed and Franny, which are, you know, GSEs. So part, part of the, you know, government right now, at least they were privatized during the global financial crisis. You think, oh, they’re going out and purchasing this Sounds a lot like the Fed going out and purchasing. There are there, there’s some parallels, but we need to remember, Fannie and Freddie don’t create money. The Fed, when they start, when they start the process of their quantitative easing, they’re creating reserves like they’re actually creating liquidity and money supply. Fannie and Freddie have authorization to be able to make these purchases, but they’re not like the fed. They’re not creating reserves, but they can, so I don’t wanna think about them like bringing down the whole set of interest rates, but they can affect this spread between mortgages and say treasuries. Right? And so, because again, if you’re, if the. If the GSEs are going out, they’re purchasing mortgage backed securities, well that’s increasing demand for those, and that can push down the rates, that can like squeeze that spread. And, and while the announcement has been made, you know, I mean they’re, they’re in the early stages of putting that in place, but we even on the announcements, saw a response in financial markets and you’re seeing some movement down, uh, in mortgage rates now. It was. Pretty modest, right? And, and 200 billion while, you know, not nothing, uh, really pales in comparison to like the scale of say, the quantitative easing that the Fed did. Um, and there are probably other, but the, you know, the administration’s not done. It doesn’t necessarily have to be that Fannie and Freddie do more purchases. The the spread between mortgage rates and treasuries is pretty substantial. There’s other places where, you know, the fees that go into getting a mortgage are quite a bit larger than they were before the, the global financial crisis. So maybe they go in and try to chip away at the fees and, you know, so there’s, there’s different levers. And I fully expect, and I think we’re gonna get some announcements here again soon on the White Houses. Housing affordability agenda. So there may be other, other ways that they’re trying to, uh, influence, uh, the mortgage spreads. But that’s, that’s what that is all about. And it, it should have, and it looks like, you know, it’s having some effect in terms of bringing rates down, but it likely, it’d be modest, like in the 10 basis points, maybe 20 if they ramp up the program some. But like, it, you know, it’s, it, it, you know, every, every bit counts. But this is not a. Uh, this won’t be enough to, you know, move rates down, dramatic mortgage rates down dramatically, uh, when you, when you look at the economy. Um, and I, I, I think just, you know, one last question. I mean, I just in terms of, you know, the people listening to this are. They’re, they’re people, you know, with jobs and who are trying to invest their money, and they’re trying to, you know, build long-term wealth, but they’re, you know, everybody’s worried about what’s happening with the economy. What, what, what do you think, like, just as, um, um, you know, perspective for people to understand or try to have some framework for how to look at what’s going on in the economy. How they should judge it. Like what would you suggest, like just for mom and pop investors trying to, what is happening with the economy? I’m not an economist. What, what are the, what are the things that you think they should consider studying up on, looking into a little bit? One challenge for a lot of investors, I mean, frankly, it’s, it’s been a challenge that I try to deal with too. Uh, we’re, we’re in an environment where there’s just. There’s so much news coming out of DC uh, with the White House and policies and the Fed, and you know, I mean, like, there’s just, there’s a lot. The headlines are big. And like I talked about with the tariffs, we had like really big tariff announcements. The really scary numbers were, and then it like dialed back and then we pushed through it and it’s like, and it’s this remembering that, um. There’s always a tendency to have this idea that the, the president really runs the economy. I mean, that’s not just about this administration. That’s like a longstanding, you know, the president gets, uh, blame or credit for the economy when really, right. Like we have a over 33, $30 trillion economy, hundreds of millions of workers, tens of millions of businesses. Like this is not about one administration. And so we always need to be careful about. Putting too much weight on the policies coming out of dc. Uh, and you know, last year if you really just listened to all the, you know, we’re cutting immigration, we’re raising tariffs, we’re doing, you know, all, there’s a lot of uncertainty in Doge. Well then you might have missed, like, there’s a bunch of AI investment happening and we’ve got a lot of growth in the economy and while consumers are still pretty resilient, so you, it’s kind of like. Tuning down the volume, some coming out of Washington, especially the like every twist and turn. Uh, and then kind of focusing in on the fundamentals. I will say, you know, you don’t wanna turn down DC too far because we, we do have some like big picture events that could play out over many years. Right. So kind of keeping an eye on it, but for the long game. As opposed to reacting to every twist and turn, every policy announcement, because a lot of this clearly is more of a negotiation than it is like, we’re gonna actually do this. So, you know, as investors, you don’t wanna get whipped around by the latest headline, but you also can’t put your head in the sand. Like you gotta kind of try and find a way to pull the signal out of the noise. And it is really. It’s really hard. Yeah. Like this has been a challenging time and the, the US economy’s been doing things that are not typical. We talked about some of the things with the labor market and we are running some policy experiments that haven’t been run in a long time, so things could change pretty dramatically. But I think it’s just trying to absorb the information, not get too wound up about it, but like also keep an eye on like what’s good for long-term growth. Yeah. Because it’s good for long-term productivity. Thank you so much Dr. Sahm. It’s uh, it’s been a pleasure talking to you on, uh, wealth Formula Podcast today. Great. Thank you so much. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concept. Here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. It was Claudia Sahm. She is, uh, she’s a very, very smart lady. And, uh, just a reminder, if you have not done so, uh, I, I don’t frequently ask to do, do this, but, uh, make sure you give the show. Five stars and a positive review because that’s how we’re getting, you know, really high quality people like Claudia on the show, I’ve been around for a long time. It helps that the show is, you know, like over a decade old and all that stuff too. But, uh, anything you can do to support would be very helpful. And also one more reminder, uh, if you have not done so and you weren’t a credit investor, make sure you sign up for that investor club. At Wealth formula.com. That’s it for me. This week on Wealth Formula Podcast. This is about Joffrey signing out. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheelwright and Ken m. Visit wealthformularoadmap.com.

Prince Andrew's downfall is one of the most humiliating collapses in modern royal history. Once celebrated as the Queen's proud, battle-tested son, he's now the monarchy's biggest embarrassment—stripped of his titles, frozen out of public life, and quietly told to stop using “Duke of York” in any official capacity. His friendship with Jeffrey Epstein destroyed his reputation, and that infamous BBC interview finished the job. The “I don't sweat” defense, the “Pizza Express in Woking” excuse, and the tone-deaf denial turned him into a global punchline. Now, even within his own family, he's a ghost—technically still a prince, but one without purpose, honor, or credibility. The palace's silence speaks louder than any statement: Andrew is done.Historically, plenty of dukes have fallen from grace—some lost their heads, some lost their thrones—but none have been publicly humiliated like Andrew. His disgrace didn't come from war or treason but from arrogance and entitlement in the age of social media, where every lie is immortal and every excuse becomes a meme. The monarchy has erased him one step at a time, preserving the crown while letting him fade into oblivion. He's not the Duke of York anymore—he's the Duke of Nowhere, condemned to live out his days as a cautionary tale about power, privilege, and the price of believing you're untouchable.to contact me:bobbycapucci@protonmail.com

"Radioimmunoconjugates work through a dual mechanism that combines immunologic targeting with localized radiation delivery. The monoclonal antibody components bind to specific tumor-associated antigens such as CD20, expressed on malignant B cells. Once found, the attached radioisotope delivers beta radiation directly to the tumor, causing DNA damage and cell death," Sabrina Enoch, MSN, RN, OCN®, CNMT, NMTCB (CT), theranostics clinical specialist at Highlands Oncology in Rogers, AR, told Jaime Weimer, MSN, RN, AGCNS-BS, AOCNS®, manager of oncology nursing practice at ONS, during a conversation about radioimmunoconjugates. Music Credit: "Fireflies and Stardust" by Kevin MacLeod Licensed under Creative Commons by Attribution 3.0  Earn 0.25 contact hours of nursing continuing professional development (NCPD) by listening to the full recording and completing an evaluation at courses.ons.org by January 30, 2027. The planners and faculty for this episode have no relevant financial relationships with ineligible companies to disclose. ONS is accredited as a provider of nursing continuing professional development by the American Nurses Credentialing Center's Commission on Accreditation. Learning outcome: Learners will report an increase in knowledge in the history of, the mechanism of action of, and the use of radioimmunoconjugates in the treatment of cancer. Episode Notes  Complete this evaluation for free NCPD. ONS Podcast™ episodes: Pharmacology 101 series Episode 377: Creating and Implementing Radiopharmaceutical Policies and Procedures Episode 301: Radiation Oncology: Side Effect and Care Coordination Best Practices Episode 298: Radiation Oncology: Nursing's Essential Roles ONS Voice articles: Interprofessional Collaboration Reduces Time to Neutropenia Antibiotic Administration Radiopharmaceuticals and Theranostics Offer New Options for Oncology Nurses to Transform Cancer Care Radiopharmaceuticals Pack a One-Two Punch Against Cancer Safety Is Key in Use of Radiopharmaceuticals Telehealth Has Value During Radiotherapy, Patients Say ONS Voice oncology drug reference sheets: Lutetium Lu 177 dotatate Lutetium Lu 177 vipivotide tetraxetan Radium 223 dichloride Sodium iodide-131 Strontium chloride Sr-89 ONS books: Chemotherapy and Immunotherapy Guidelines and Recommendations for Practice (second edition) Manual for Radiation Oncology Nursing Practice and Education (fifth edition) ONS courses: ONS/ONCC® Chemotherapy Immunotherapy Certificate™ ONS/ONCC® Radiation Therapy Certificate™ Clinical Journal of Oncology Nursing articles: Radiopharmaceutical Safety: Making It Easy Targeted Radionuclide Therapy: A Theranostic Approach to Cancer Therapy ONS Huddle Cards: Radiobiology Radiopharmaceuticals ONS Learning Libraries: Immuno-Oncology Radiation ONS Symptom Interventions for Prevention of Bleeding Drugs@FDA package inserts To discuss the information in this episode with other oncology nurses, visit the ONS Communities.  To find resources for creating an ONS Podcast club in your chapter or nursing community, visit the ONS Podcast Library. To provide feedback or otherwise reach ONS about the podcast, email pubONSVoice@ons.org. Highlights From This Episode "Radioimmunoconjugates are a specialized subset of radiopharmaceuticals designed to combine the specificity of monoclonal antibodies with the cytotoxic power of radiation. ... Early development focused on B-cell malignancies, particularly non-Hodgkin lymphoma." TS 1:51  "An important concept for nurses to understand is the crossfire effect, where radiation can affect nearby tumor cells, even though not every cell expressed has the target antigen. This helps explain why these agents can be effective even in heterogeneous tumors." TS 3:40 "At present, 90 Y-ibritumomab tiuxetan is the only radioimmunoconjugate approved by the U.S. Food and Drug Administration (FDA) in clinical use. Historically, iodine-131 tositumomab played a major role in establishing these therapy classes, but it's also useful to contrast radioimmunoconjugates with other radiopharmaceuticals, such as iodine-131 therapies, which a lot of places do at this time, used for thyroid diseases, or radium 223, used for metastatic prostate cancer. Unlike those agents, radioimmunoconjugates rely on antibody-mediated targeted rather than physiologic uptake or bone affinity." TS 4:55 "I just try to explain to [patients] that radiation exposure is like being next to a flame. The further you are away, the less heat you get, the less exposure you get. These patients can be radioactive for three days, seven days—it just depends on how fast they excrete it through their bodies with half-life exposure." TS 9:33 "While only one agent is currently approved, the principles established by radioimmunoconjugates continue to guide development for newer targeted radiopharmaceuticals. Emerging agents aim to improve targeting, reduce toxicity, and expand indications beyond hematologic malignancies. This evolution underscores the importance of nursing education in this rapidly changing field." TS 10:41 "Radioimmunoconjugates represent an important bridge between traditional oncology treatments and the future of targeted therapies. Oncology nurses play a vital role in ensuring safe delivery, patient understanding, and collaboration between multidisciplinary teams. So, it's very important to educate and also stay up to date on evidence-based practices." TS 13:12

Donald Trump's dirty DOJ leadership is engaged in a shell game, a game of three-card monty, a game of misdirection designed to dupe the American people.DOJ's Office of Legal Counsel (OLC) is a component of the Department of Justice that issues advisory opinions regarding the legality or illegality of conduct by federal government officials, attorneys, law enforcement, and military operations. Historically, OLC has tried to do its work in good faith, and in accordance with the law and the Constitution. But that is not the case under the current corrupt DOJ leadership.OLC is now offering indefensible legal opinions - for example, trying to give top cover to the Trump administration when it unlawfully enters Venezuela and takes into custody its president and first lady. Indeed, virtually every respected military law expert recognizes that this was an illegal operation. The same is true for the unlawful, deadly strikes on small Venezuelan boats in international waters.OLC also rendered an opinion of how fake US attorney Lindsay Halligan could continue to sign official court documents as "United States Attorney" even though a federal judge had ruled that she was unlawfully and unconstitutionally in that position.But there's also supposed to be another safeguard against, in particular, DOJ attorney misconduct. The office of professional responsibility (OPR) is supposed to investigate allegations or suspected incidents of DOJ attorney misconduct and misconduct by law enforcement officers, like FBI agents. However, the head of OPR was wrongfully removed from the job months ago, and there is no indication that there even is a current, legitimate head of the OPR. This corrupt shell game that Trump's dirty DOJ leadership is playing - having OLC issue memos to give wrongdoers top cover, and then neutering OPR so that the attorneys who engage in misconduct will not be held accountable - is destroying the legitimacy of the DOJ.To those of us who spent decades serving the American people at the Department of Justice, we see exactly what they're doing. All of the American people also need to see this for what it is - abject corruption at the DOJ. Link for Asha Rangappa's piece on Substack: https://asharangappa.substack.com/p/d...Find Asha on Substack: The Freedom Academy with Asha RangappaFind Glenn on Substack: glennkirschner.substack.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Donald Trump's dirty DOJ leadership is engaged in a shell game, a game of three-card monty, a game of misdirection designed to dupe the American people.DOJ's Office of Legal Counsel (OLC) is a component of the Department of Justice that issues advisory opinions regarding the legality or illegality of conduct by federal government officials, attorneys, law enforcement, and military operations. Historically, OLC has tried to do its work in good faith, and in accordance with the law and the Constitution. But that is not the case under the current corrupt DOJ leadership.OLC is now offering indefensible legal opinions - for example, trying to give top cover to the Trump administration when it unlawfully enters Venezuela and takes into custody its president and first lady. Indeed, virtually every respected military law expert recognizes that this was an illegal operation. The same is true for the unlawful, deadly strikes on small Venezuelan boats in international waters.OLC also rendered an opinion of how fake US attorney Lindsay Halligan could continue to sign official court documents as "United States Attorney" even though a federal judge had ruled that she was unlawfully and unconstitutionally in that position.But there's also supposed to be another safeguard against, in particular, DOJ attorney misconduct. The office of professional responsibility (OPR) is supposed to investigate allegations or suspected incidents of DOJ attorney misconduct and misconduct by law enforcement officers, like FBI agents. However, the head of OPR was wrongfully removed from the job months ago, and there is no indication that there even is a current, legitimate head of the OPR. This corrupt shell game that Trump's dirty DOJ leadership is playing - having OLC issue memos to give wrongdoers top cover, and then neutering OPR so that the attorneys who engage in misconduct will not be held accountable - is destroying the legitimacy of the DOJ.To those of us who spent decades serving the American people at the Department of Justice, we see exactly what they're doing. All of the American people also need to see this for what it is - abject corruption at the DOJ. Link for Asha Rangappa's piece on Substack: https://asharangappa.substack.com/p/d...Find Asha on Substack: The Freedom Academy with Asha RangappaFind Glenn on Substack: glennkirschner.substack.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Psychogenic nonepileptic seizures (PNES) are common, often misunderstood, and increasingly encountered in pediatric emergency care. These events closely resemble epileptic seizures but arise from abnormal brain network functioning rather than epileptiform activity. In this episode of PEM Currents, we review the epidemiology, pathophysiology, and clinical features of PNES in children and adolescents, with a practical focus on Emergency Department recognition, diagnostic strategy, and management. Particular emphasis is placed on seizure semiology, avoiding iatrogenic harm, communicating the diagnosis compassionately, and understanding how early identification and referral to cognitive behavioral therapy can dramatically improve long-term outcomes. Learning Objectives Identify key epidemiologic trends, risk factors, and semiological features that help differentiate psychogenic nonepileptic seizures from epileptic seizures in pediatric patients presenting to the Emergency Department. Apply an evidence-based Emergency Department approach to the evaluation and initial management of suspected PNES, including strategies to avoid unnecessary escalation of care and medication exposure. Demonstrate effective, patient- and family-centered communication techniques for explaining the diagnosis of PNES and facilitating timely referral to appropriate outpatient therapy. References Sawchuk T, Buchhalter J, Senft B. Psychogenic Nonepileptic Seizures in Children-Prospective Validation of a Clinical Care Pathway & Risk Factors for Treatment Outcome. Epilepsy & Behavior. 2020;105:106971. (PMID: 32126506) Fredwall M, Terry D, Enciso L, et al. Outcomes of Children and Adolescents 1 Year After Being Seen in a Multidisciplinary Psychogenic Nonepileptic Seizures Clinic. Epilepsia. 2021;62(10):2528-2538. (PMID: 34339046) Sawchuk T, Buchhalter J. Psychogenic Nonepileptic Seizures in Children - Psychological Presentation, Treatment, and Short-Term Outcomes. Epilepsy & Behavior. 2015;52(Pt A):49-56. (PMID: 26409129) Labudda K, Frauenheim M, Miller I, et al. Outcome of CBT-based Multimodal Psychotherapy in Patients With Psychogenic Nonepileptic Seizures: A Prospective Naturalistic Study. Epilepsy & Behavior. 2020;106:107029. (PMID: 32213454) Transcript This transcript was generated using Descript automated transcription software and has been reviewed and edited for accuracy by the episode's author. Edits were limited to correcting names, titles, medical terminology, and transcription errors. The content reflects the original spoken audio and was not substantively altered. Welcome to PEM Currents: The Pediatric Emergency Medicine Podcast. As always, I'm your host, Brad Sobolewski, and today we are talking about psychogenic non-epileptic seizures, or PNES. Now, this is a diagnosis that often creates a lot of uncertainty in the Emergency Department. These episodes can be very scary for families and caregivers and schools. And if we mishandle the diagnosis, it can lead to unnecessary testing, medication exposure, ICU admissions, and long-term harm. This episode's gonna focus on how to recognize PNES in pediatric patients, how we make the diagnosis, what the evidence says about management and outcomes, and how what we do and what we say in the Emergency Department directly affects patients, families, and prognosis. Psychogenic non-epileptic seizures are paroxysmal events that resemble epileptic seizures but occur without epileptiform EEG activity. They're now best understood as a subtype of functional neurological symptom disorder, specifically functional or dissociative seizures. Historically, these events were commonly referred to as pseudo-seizures, and that term still comes up frequently in the ED, in documentation, and sometimes from families themselves. The problem is that pseudo implies false, fake, or voluntary, and that implication is incorrect and harmful. These episodes are real, involuntary, and distressing, even though they're not epileptic. Preferred terminology includes psychogenic non-epileptic seizures, or PNES, functional seizures, or dissociative seizures. And PNES is not a diagnosis of exclusion, and it does not require identification of psychological trauma or psychiatric disease. The diagnosis is based on positive clinical features, ideally supported by video-EEG, and management begins with clear, compassionate communication. The overall incidence of PNES shows a clear increase over time, particularly from the late 1990s through the mid-2010s. This probably reflects improved recognition and access to diagnostic services, though a true increase in occurrence can't be excluded. Comorbidity with epilepsy is really common and clinically important. Fourteen to forty-six percent of pediatric patients with PNES also have epilepsy, which frequently complicates diagnosis and contributes to diagnostic delay. Teenagers account for the highest proportion of patients with PNES, especially 15- to 19-year-olds. Surprisingly, kids under six are about one fourth of all cases, so it's not just teenagers. We often make the diagnosis of PNES in epilepsy monitoring units. So among children undergoing video-EEG, about 15 to 19 percent may ultimately be diagnosed with PNES. And paroxysmal non-epileptic events in tertiary epilepsy monitoring units account for about 15 percent of all monitored patients. Okay, but what is PNES? Well, it's best understood as a disorder of abnormal brain network functioning. It's not structural disease. The core mechanisms at play include altered attention and expectation, impaired integration of motor control and awareness, and dissociation during events. So the patients are not necessarily aware that this is happening. Psychological and psychosocial features are common but not required for diagnosis and may be less prevalent in pediatric populations as compared with adults. So PNES is a brain-based disorder. It's not conscious behavior, it's not malingering, and it's not under voluntary control. Children and adolescents with PNES have much higher rates of psychiatric comorbidities and psychosocial stressors compared to both healthy controls and children with epilepsy alone. Psychiatric disorders are present in about 40 percent of pediatric PNES patients, both before and after the diagnosis. Anxiety is seen in 58 percent, depression in 31 percent, and ADHD in 35 percent. Compared to kids with epilepsy, the risk of psychiatric disorders in PNES is nearly double. Compared to healthy controls, it is up to eight times higher. And there's a distinct somatopsychiatric profile that strongly predicts diagnosis of PNES. This includes multiple medical complaints, psychiatric symptoms, high anxiety sensitivity, and solitary emotional coping. This profile, if you've got all four of them, carries an odds ratio of 15 for PNES. Comorbid epilepsy occurs in 14 to 23 percent of pediatric PNES cases, and it's associated with intellectual disability and prolonged diagnostic delay. And finally, across all demographic strata, anxiety is the most consistent predictor of PNES. Making the diagnosis is really hard. It really depends on a careful history and detailed analysis of the events. There's no single feature that helps us make the diagnosis. So some of the features of the spells or events that have high specificity for PNES include long duration, so typically greater than three minutes, fluctuating or asynchronous limb movements, pelvic thrusting or side-to-side head movements, ictal eye closure, often with resisted eyelid opening, ictal crying or vocalization, recall of ictal events, and rare association with injury. Younger children often present with unresponsiveness. Adolescents more commonly demonstrate prominent motor symptoms. In pediatric cohorts, we most frequently see rhythmic motor activity in about 27 percent, and complex motor movements and dialeptic events in approximately 18 percent each. Features that argue against PNES include sustained cyanosis with hypoxia, true lateral tongue biting, stereotyped events that are identical each time, clear postictal confusion or lethargy, and obviously epileptic EEG changes during the events themselves. Now there are some additional historical and contextual clues that can help us make the diagnosis as well. If the events occur in the presence of others, if they occur during stressful situations, if there are psychosocial stressors or trauma history, a lack of response to antiepileptic drugs, or the absence of postictal confusion, this may suggest PNES. Lower socioeconomic status, Medicaid insurance, homelessness, and substance use are also associated with PNES risk. While some of these features increase suspicion, again, video-EEG remains the diagnostic gold standard. We do not have video-EEG in the ED. But during monitoring, typical events are ideally captured and epileptiform activity is not seen on the EEG recording. Video-EEG is not feasible for every single diagnosis. You can make a probable PNES diagnosis with a very accurate clinical history, a vivid description of the signs and appearance of the events, and reassuring interictal EEG findings. Normal labs and normal imaging do not make the diagnosis. Psychiatric comorbidities are not required. The diagnosis, again, rests on positive clinical features. If the patient can't be placed on video-EEG in a monitoring unit, and if they have an EEG in between events and it's normal, that can be supportive as well. So what if you have a patient with PNES in the Emergency Department? Step one, stabilize airway, breathing, circulation. Take care of the patient in front of you and keep them safe. Use seizure pads and precautions and keep them from falling off the bed or accidentally injuring themselves. A family member or another team member can help with this. Avoid reflexively escalating. If you are witnessing a PNES event in front of you, and if they're protecting their airway, oxygenating, and hemodynamically stable, avoid repeated benzodiazepines. Avoid intubating them unless clearly indicated, and avoid reflexively loading them with antiseizure medications such as levetiracetam or valproic acid. Take a focused history. You've gotta find out if they have a prior epilepsy diagnosis. Have they had EEGs before? What triggered today's event? Do they have a psychiatric history? Does the patient have school stressors or family conflict? And then is there any recent illness or injury? Only order labs and imaging when clinically indicated. EEG is not widely available in the Emergency Department. We definitely shouldn't say things like, “this isn't a real seizure,” or use outdated terms like pseudo-seizure. Don't say it's all psychological, and please do not imply that the patient is faking. If you see a patient and you think it's PNES, you're smart, you're probably right, but don't promise diagnostic certainty at first presentation. Remember, a sizable proportion of these patients actually do have epilepsy, and referring them to neurology and getting definitive testing can really help clarify the diagnosis. Communication errors, especially early on, worsen outcomes. One of the most difficult things is actually explaining what's going on to families and caregivers. So here's a suggestion. You could say something like: “What your child is experiencing looks like a seizure, but it's not caused by abnormal electrical activity in the brain. Instead, it's what we call a functional seizure, where the brain temporarily loses control of movement and awareness. These episodes are real and involuntary. The good news is that this condition is treatable, especially when we address it early.” The core treatment of PNES is CBT-based psychotherapy, or cognitive behavioral therapy. That's the standard of care. Typical treatment involves 12 to 14 sessions focused on identifying triggers, modifying maladaptive cognitions, and building coping strategies. Almost two thirds of patients achieve full remission with treatment. About a quarter achieve partial remission. Combined improvement rates reach up to 90 percent at 12 months. Additional issues that neurologists, psychologists, and psychiatrists often face include safe tapering of antiseizure medications when epilepsy has been excluded, treatment of comorbid anxiety or depression, coordinating care between neurology and mental health professionals, and providing education for schools on event management. Schools often witness these events and call prehospital professionals who want to keep patients safe. Benzodiazepines are sometimes given, exposing patients to additional risk. This requires health system-level and outpatient collaboration. Overall, early diagnosis and treatment of PNES is critical. Connection to counseling within one month of diagnosis is the strongest predictor of remission. PNES duration longer than 12 months before treatment significantly reduces the likelihood of remission. Video-EEG confirmation alone does not predict positive outcomes. Not every patient needs admission to a video-EEG unit. Quality of communication and speed of treatment, especially CBT-based therapy, matter the most. Overall, the prognosis for most patients with PNES is actually quite favorable. There are sustained reductions in events along with improvements in mental health comorbidities. Quality of life and psychosocial functioning improve, and patients use healthcare services less frequently. So here are some take-home points about psychogenic non-epileptic seizures, or PNES. Pseudo-seizure and similar terms are outdated and misleading. Do not use them. PNES are real, involuntary, brain-based events. Diagnosis relies on positive clinical features, what the events look like and when they happen, not normal lab tests or CT scans. Early recognition and diagnosis, and rapid referral to cognitive behavioral therapy, change patients' lives. If you suspect PNES, get neurology and mental health professionals involved as soon as possible. Alright, that's all I've got for this episode. I hope you found it educational. Having seen these events many times over the years, I recognize how scary they can be for families, schools, and our prehospital colleagues. It's up to us to think in advance about how we're going to talk to patients and families and develop strategies to help children who are suffering from PNES events. If you've got feedback about this episode, send it my way. Likewise, like, rate, and review, as my teenagers would say, and share this episode with a colleague if you think it would be beneficial. For PEM Currents: The Pediatric Emergency Medicine Podcast, this has been Brad Sobolewski. See you next time.

The Bengals are entering a pivotal period for locking up key young talent, and Chase Brown is at the top of that list. After a breakout season with over 1,300 scrimmage yards and continued production, Brown has publicly expressed his desire to stay in Cincinnati long-term while his agent and the team have been in ongoing communication about a new contract. Historically, Cincinnati has waited to extend players until they've proven themselves—and often until prices inflate, as seen with Ja'Marr Chase and Tee Higgins—but Brown seems positioned to be part of that core moving forward. Getting a deal done now could be mutually beneficial: stability for the team and financial security for Brown before he hits unrestricted free agency. For Dax Hill, the situation is slightly different. The Bengals exercised his fifth-year option for the 2026 season, keeping him under contract through next year. That move shows organizational belief in his upside after a position switch from safety to cornerback, despite an ACL injury. Hill's extension may not come immediately this offseason—teams often wait to see a full season of production before committing significant new money—but his late-season performance in 2025 could push the Bengals toward long-term talks instead of reaching for a cornerback in the draft. DJ Turner has arguably the strongest case for an early extension among the three. After a career-best 2025 campaign highlighted by high PFF grades, pass breakups, and interceptions, Turner looks like a foundational piece of the Bengals' defense. He's expressed a clear desire to stay long term, and team insiders expect extension talks to start soon. With contracts for Brown and Turner both in play, the Bengals' front office will need to balance cap flexibility with locking down homegrown contributors in the coming months. Music from #InAudio: https://inaudio.org/ Track Name Holy (Trap). Music from #InAudio: https://inaudio.org/ Track Name Exercise (Rock). #Bengals #NFL #OffTheBench

Our Deputy Head of Global Research Michael Zezas explains why the risk of a new U.S. government shutdown is worth investor attention, but not overreaction.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Michael Zezas, Deputy Head of Global Research for Morgan Stanley. Today, we'll discuss the possibility of a U.S. government shutdown later this week, and what investors should – and should not – be worried about. It's Wednesday, January 28th at 10:30 am in New York. In recent weeks investors have had to consider all manner of policy catalysts for the markets – including the impact to oil supply and emerging markets from military action in Venezuela, potential military action in Iran, and risks of fracturing of the U.S.-Europe relationship over Greenland. By comparison, a potential U.S. government shutdown may seem rather quaint. But, a good investor aggressively manages all risks, so let's break this down. Amidst funding negotiations in the Senate, Democrats are pressing for tighter rules and more oversight on how immigration enforcement is carried out given recent events. Republicans have signaled some openness to negotiations, but the calendar is really a constraint. With the House out of session until early next week any Senate changes this week could lead to a lapse in funding. So, a brief shutdown this weekend, followed by a short continuing resolution once the House returns, is a very plausible path – not because either side wants a shutdown, but because they haven't fully coalesced around the strategy and time is short. Of course, once a shutdown happens, there's a risk it could drag on. But in general our base case is that the economic impact would be manageable. Historically, shutdowns create meaningful hardship for affected workers and contractors. But the aggregate macro effects tend to be modest and reversible. Most spending is eventually made up, and disruptions to growth typically unwind quickly once funding is restored. A useful rule of thumb is that a full shutdown trims roughly one‑tenth of a percentage point from the annualized quarterly GDP for each week it lasts. With several appropriations bills already passed, what we'd face now is a partial shutdown, meaning that figure would be even smaller. For markets, that means the reaction should also be modest. Shutdowns tend not to reprice the fundamental path of earnings, inflation, or the Fed – which are still the dominant drivers of asset performance. So, the market's inclination will likely be to look past the noise and focus on more substantive catalysts ahead. Finally, it's worth unpacking the politics here, because they're relevant. But not in the way investors might think. The shutdown risk is emerging from actions that have contributed to sagging approval ratings for the President and Republicans – leading many investors to ask us what this means for midterm elections and resulting public policy choices. And taken together, one could read these dynamics as an early sign that the Republicans may face a difficult midterm environment. We think it's too early to draw any confident conclusions about this, but even if we could, we're not sure it matters. First, many of the most market‑relevant policies—on trade, regulation, industrial strategy, re‑shoring, and increasingly AI—are being executed through executive authority, not congressional action. That means their trajectory is unlikely to be altered by near‑term political turbulence. Second, the President would almost certainly veto any effort to roll back last year's tax bill, which created a suite of incentives aimed at corporate capex. A key driver of the 2026 outlook. Putting it all together, the bottom line is this: A short, calendar‑driven shutdown is a risk worth monitoring, but not one to overreact to. Thanks for listening. If you enjoy Thoughts on the Market, please leave us a review. And tell your friends about the podcast. We want everyone to listen.

PWTorch editor Wade Keller presents the Tuesday Flagship edition of the Wade Keller Pro Wrestling Podcast with guest co-host PWTorch contributor and podcast host Kelly Wells. They discuss these topics:The Royal Rumble's format and structural changes over the decades regarding the build, the format, and the executionEvaluating possible outcomes this year for the men's and women's Rumble, plus dark horses, mid-match ideas, and moreEvolveThe journeys of Swerve Strickland and Andrade since NXT on the eve of their match on DynamiteNew Japan's 2026 and the Evil-WWE newsThe state of NXT in 2026 and suggested changesBecome a supporter of this podcast: https://www.spreaker.com/podcast/wade-keller-pro-wrestling-podcast--3076978/support.

Favour Obasi-ike, MBA, MS takes us on deep dive into the world of digital marketing, with a strong focus on Search Engine Marketing (SEM) and Search Engine Optimization (SEO). The host breaks down the key differences and relationship between these two critical components of a successful online strategy. The discussion covers the entire customer journey, from the pre-click phase, where the user is first searching for information, to the post-click phase, where the goal is to convert the user into a customer.A significant portion of the episode is dedicated to practical, actionable advice for improving conversion rates. This includes a detailed look at crafting effective Calls to Action (CTAs), optimizing landing pages, and leveraging analytics to make data-driven decisions. The host also shares a valuable tip on using brackets in headlines to increase click-through rates. This episode features a friend / guest from Canada

Artificial intelligence is advancing at an extraordinary pace, and education is being reshaped whether we are ready for it or not. In this episode, we discuss a new and fascinating book on this topic — Artificial Intelligence in Education: The Intersection of Technology and Pedagogy. The contributors are experts from around the world who are both educators and technically proficient. I'm joined by the editors of the book, who are leading experts in the field of learning technologies. Dr. Peter Ilic is a Senior Associate Professor in the Center for Language Research at the University of Aizu in Japan. Dr. Imogen Casebourne is the research lead at the Innovation Lab at the Digital Education Futures Initiative (DEFI) at Cambridge University. Prof. Rupert Wegerif is Professor of Education in the Faculty of have Education at the University of Cambridge and the founder and academic director of the Digital Education Futures Initiative (DEFI) at Hughes Hall, Cambridge University. The book and this conversation sit at the intersection, and sometimes the tension, between technologists and educators. Historically, educational technologies promised transformation but often end up reinforcing outdated models of learning. AI poses a new challenge that is fundamentally changing education. Together, we explore why simply adding AI to existing systems doesn't work, why dialogue between technology and pedagogy is now urgent, and how approaches like design-based research can help us develop educational AI more responsibly. We also discuss what it might mean to move toward a more dialogic understanding of education, one focused less on the transmission of knowledge and more on collaboration, problem-solving, and learning with both people and technology. At its core, this episode is a call for collaboration between educators, technologists, and policymakers and for taking an active role in shaping the future of AI in education, rather than being shaped by it. Links: Book: Artificial Intelligence in Education: The Intersection of Technology and Pedagogy https://link.springer.com/book/10.1007/978-3-031-71232-6 Dr. Peter Ilic: https://u-aizu.ac.jp/research/faculty/detail?lng=en&cd=90119 Dr. Imogen Casebourne: https://www.deficambridge.org/people/imogen-casebourne/ Prof. Rupert Wegerif: https://www.educ.cam.ac.uk/people/staff/wegerif/

Michael Wilbon and Frank Isola discuss the Super Bowl matchup between the Patriots and Seahawks. Giannis next steps with Milwaukee, and more! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Summary In this episode, Justin Townsend and Adam Berkelmans explore the significance of freezing as a method of food preservation. They discuss the historical context of freezing, the science behind how freezing affects food, and practical tips for safe freezing practices. The conversation also covers the different types of freezers, the impact of air exposure on food quality, and best practices for freezing various types of food. The episode concludes with insights on managing freezer inventory effectively. - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leave a Review of the Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy our Wild Fish and Game Spices⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Art of Venison Sausage Making Meat Tracker Magnet⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Chapters 00:00 The Importance of Freezing in Food Preservation 05:30 Understanding the Science of Freezing 08:01 Freezer Safety and Best Practices 10:22 Types of Freezers and Their Impact 13:36 The Effects of Air Exposure and Freezer Burn 15:24 Effective Food Wrapping Techniques 19:05 Freezing Different Types of Food 23:46 Managing Your Freezer Inventory 30:11 Conclusion and Next Steps in Preservation Takeaways Freezing is a common yet often overlooked method of food preservation. Historically, freezing was about stability rather than extreme cold. The introduction of home freezers changed food handling dynamics significantly. Freezing affects food texture due to ice crystal formation. Freezer safety is more about handling than arbitrary timelines. Air exposure leads to freezer burn, which is a form of dehydration. Vacuum sealing is one of the best methods to prevent freezer burn. Different foods require different freezing techniques for optimal preservation. Labeling and organizing your freezer can prevent waste and improve efficiency. Freezing should be treated as a skill to maximize its benefits. Keywords freezing, food preservation, freezer safety, wild food, freezing techniques, food storage, freezer burn, preservation methods, wild pantry, food science Learn more about your ad choices. Visit megaphone.fm/adchoices

In the 19th Century, a Pennsylvania dentist called WH Atkinson came across a condition that sounds like the stuff of nightmares. Writing in The Dental Cosmos, the first major journal for American dentists, Atkinson documented an outbreak of exploding teeth. Learn more about your ad choices. Visit megaphone.fm/adchoices

84: Aliens Are Demons? - A demon is a supernatural entity, typically considered evil / malevolent. Historically, belief in demons, or stories about demons, occurs in folklore, mythology, religion, occultism, and literature and is followed by stories of possession and torment. In the modern world, extraterrestrial life, or alien life, is life that originates from another world rather than on Earth. Are these beings one in the same?Follow Joel as he uncovers the question of are Aliens actually Demons? First, he looks at different races of alien life and what their motivations are for contact with humans. Next, he finds the correlations between the Fae and Fallen Angels of old and if they also have similar attributes to these children from the stars. Finally, Joel parallels the connection between the homunculus, demons and extraterrestrials, and if they are indeed the same thing.Merchandise: https://freetherabbits.myshopify.comBuy Me A Coffee: DonateFollow: Website | Instagram | X | FacebookWatch: YouTube | RumbleMusic: YouTube | Spotify | Apple Music Films: https://merkelfilms.com Email: freetherabbitspodcast@gmail.comDistributed by: merkel.mediaIntro Music:Joel Thomas – Free The RabbitsYouTube | Spotify | Apple MusicOutro Music:Joel Thomas – AdiosYouTube | Spotify | Apple Music

Of all the gin joints, in all the towns, in all the world . . . not one is better than hosting at home.Filled to the brim with history, heart, and hard-crafted drinks, this cocktail book will bring the spirit of Casablanca to life for its legions of fans. Historically accurate recipes, contemporary reinventions, and Moroccan-inspired small bites find common ground rooted in film trivia. Plus, a "bar crawl" through unearthed props and archival material, and rendered in high-resolution photography, will give this classic cocktail book an interactive feel.

Prince Andrew's downfall is one of the most humiliating collapses in modern royal history. Once celebrated as the Queen's proud, battle-tested son, he's now the monarchy's biggest embarrassment—stripped of his titles, frozen out of public life, and quietly told to stop using “Duke of York” in any official capacity. His friendship with Jeffrey Epstein destroyed his reputation, and that infamous BBC interview finished the job. The “I don't sweat” defense, the “Pizza Express in Woking” excuse, and the tone-deaf denial turned him into a global punchline. Now, even within his own family, he's a ghost—technically still a prince, but one without purpose, honor, or credibility. The palace's silence speaks louder than any statement: Andrew is done.Historically, plenty of dukes have fallen from grace—some lost their heads, some lost their thrones—but none have been publicly humiliated like Andrew. His disgrace didn't come from war or treason but from arrogance and entitlement in the age of social media, where every lie is immortal and every excuse becomes a meme. The monarchy has erased him one step at a time, preserving the crown while letting him fade into oblivion. He's not the Duke of York anymore—he's the Duke of Nowhere, condemned to live out his days as a cautionary tale about power, privilege, and the price of believing you're untouchable.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Join Moe & Javaid as they analyze the markets going into a heavy earnings week. What should investors watch as companies report earnings this week? Historically, January is a barometer for market perfomrance for the rest of the year, what is it trying to tell investors? Is there anything happening in the high-yield bond space and what is that an indicator for? Listen now to get the answers to these questions and more!  

The Cinematography Podcast Episode 342: Michael Bauman Cinematographer Michael Bauman recently earned an Academy Award nomination for Best Cinematography for his work on One Battle After Another. Before becoming a cinematographer, Bauman spent years as a gaffer, working under legends like Robert Elswit, Janusz Kaminski, and the late Harris Savides. This mentorship gave him a masterclass in diverse visual languages and on-set problem-solving. After serving as a gaffer for director Paul Thomas Anderson on several projects, Bauman stepped into the DP role for the features Phantom Thread and Licorice Pizza. The decision to shoot One Battle After Another in VistaVision was Anderson's idea. Known for his commitment to celluloid, Anderson prefers old-school techniques: watching dailies on developed negative and editing with physical film. VistaVision offered a larger negative and higher resolution than standard 35mm without the massive footprint of IMAX. The challenge, however, was mobility. Historically used for stationary visual effects shots, the VistaVision camera is notoriously bulky. Anderson wanted the opposite: a dynamic, handheld, and Steadicam-heavy aesthetic. "The language of this entire movie is camera movement," says Bauman. "How do you take this format—with a viewing system that comes off the top at 45 degrees—and turn it into something that can capture the story the way he wants?" Putting an experienced team together was key for the endeavor. They had to be capable of troubleshooting in remote locations far from the safety of LA or New York hubs. Their goal wasn't perfection, but character. "In the digital world we soak in now, it's all about a pristine image," Bauman notes. "Blacks are super rich, whites are super crisp. We wanted to take this 'Kobe beef' format and turn it into a McDonald's hamburger—in the best way possible." The visual identity was further refined by referencing 1970s cinema, specifically The French Connection. Bauman studied the texture and color palettes of that era to emulate its "loose and rough" style. True to form, Anderson pushed to avoid modern LED lighting, preferring tungsten sources whenever space allowed. As a former gaffer, Bauman was happy to accommodate. Perhaps the greatest hurdle was the improvisational nature of the production. Anderson enjoys letting the actors improvise or even reshoot later. He doesn't use storyboards or do pre-vis, so even complex scenes had to be worked out in pre-production or on the day. “Every day was just like, you had to get comfortable with the uncomfortable,” comments Bauman. “I knew we were doing stuff in a good spot when I was really questioning all of it. We had to embrace all these happy accidents. It's free jazz all day long. It's exciting now, but at the time I was stressed as hell!” This spontaneity extended to the film's climax. The spectacular car chase wasn't fully scripted until the location manager discovered a road with rolling hills on the Arizona border. After a week of testing the VistaVision rigs on pursuit vehicles, the crew spent seven days capturing the sequence. Although it was in the wide-open desert, the characters chased each other over the undulating terrain, which allowed enough suspense to build before the spectacular conclusion. See One Battle After Another in theaters and streaming on HBO Max Find Michael Bauman: Instagram @baumanlights Check out Michael's lighting companies, LiteGear and Lux Lighting. Support Ben's short film, The Ultimate Breakup! https://www.kickstarter.com/projects/theultimatebreakup/the-ultimate-breakup-short-film?ref=nav_search&result=project&term=the%20ultimate%20breakup&total_hits=2 The Cinematography Podcast website: www.camnoir.com YouTube: @TheCinematographyPodcast Facebook: @cinepod Instagram: @thecinepod Blue Sky: @thecinepod.bsky.social

The GOAT and the Stab's cofounder in one podcast? Yeah, we got that! Kelly Slater and Sam McIntosh join this edition of The Drop to give some behind-the-scenes details of our new Stab in the Dark series. Episode 2 drops this week, and reveals Kelly's first bite of the apple. Historically, a forbidden fruit — but in this case, oh so sweet. SITD X release schedule: Episode 1: Jan 13 Episode 2: Jan 27 Episode 3: Feb 10 Episode 4: Feb 24

✨ This week marks a huge astrological shift as Neptune moves into Aries on Monday, the 26th. We've felt this building for a while because Neptune moves so slowly. The last time it was in Aries was the 1860s, meaning this is completely new energy for everyone alive today. Unlike familiar transits like Mercury retrogrades, this one opens a brand-new chapter.

1. Guest Author: Victor Davis Hanson. Headline: The Hollowing Out of the American Middle Class. Summary: Hanson argues that the American middle class, historically the backbone of the republic like in ancient Greece, is eroding into a binary of the wealthy and the dependent. He contends that modern policies create a "peasant" class dependent on the state, illustrated by marketing figures like "Pajama Boy," while California's high taxes drive the productive middle class away.1863 BEECHER IN BRITAIN.

What does hope really mean when an eating disorder has lasted for years or decades? In 2026, many people with chronic eating disorders feel left out of recovery conversations that prioritize fast change, early intervention, and visible transformation. This episode offers a different framework. One that respects long-term patterns, nervous system survival, neurodivergence, and harm reduction. This conversation is for anyone who has wondered whether recovery is still possible for them, or whether traditional recovery models ever truly fit in the first place. Understanding Chronic Eating Disorders Chronic eating disorders are often misunderstood as failures or lack of motivation. In reality, long-term eating disorder patterns usually develop as adaptive responses to unmet needs for safety, regulation, autonomy, or predictability. These patterns persist not because someone is resistant to change, but because they once worked. In 2026, more clinicians are beginning to recognize eating disorders as learned survival systems rather than character flaws. This shift changes how care is offered and how hope becomes possible. Why Traditional Recovery Hope Often Falls Apart Many people with long-term eating disorders have been harmed by how hope is framed in treatment. When hope depends on symptom elimination, linear progress, or compliance with rigid models, it becomes fragile. Setbacks then feel like proof that recovery has failed. For chronic eating disorders, hope cannot be conditional. It must be able to coexist with fluctuation, stress, and ongoing vulnerability without turning into another source of shame. What Hope Can Actually Look Like for Long-Term Eating Disorders Hope in chronic eating disorder recovery often looks quieter and more realistic than cultural narratives suggest. It may involve increased choice instead of total freedom, fewer all-or-nothing spirals, or the ability to pause before acting on urges. For many people, hope shows up as nourishment that feels neutral rather than terrifying, or as eating with accommodations that respect sensory and nervous system needs. This kind of hope does not erase struggle. It changes how much control the eating disorder has over daily life. Progress Beyond Symptom Elimination Progress in long-term eating disorder recovery often happens beneath the surface. It can appear as quicker nervous system recovery after distress, reduced intensity of urges, or increased ability to name internal experiences instead of dissociating from them. These changes matter. They reflect learning, regulation, and increased safety, even when symptoms remain present. Measuring progress by lived experience rather than symptom checklists allows hope to grow more sustainably. Neurodivergence, Trauma, and Treatment Fit Many people with chronic eating disorders are neurodivergent, trauma-exposed, or both. Historically, eating disorder treatment has often failed to account for sensory needs, autonomy, and nervous system regulation. When care does not fit, people are frequently blamed rather than supported. In 2026, more neurodivergent-affirming and trauma-informed approaches are emerging. These frameworks recognize eating disorder behaviors as attempts at regulation and protection, not defiance. When care adapts to the person instead of forcing conformity, change becomes more possible. Harm Reduction and Chronic Eating Disorders Harm reduction plays a critical role in supporting people with long-term eating disorders. Rather than demanding full recovery as the only acceptable outcome, harm reduction focuses on reducing risk, increasing stability, and supporting safety in the present moment. For many people, harm reduction offers a form of hope that does not collapse under pressure. In 2026, this approach is increasingly recognized as legitimate, ethical eating disorder care. Letting Go of Cure-Based Recovery Models One of the most hopeful shifts for chronic eating disorders is releasing the idea that cure is the only meaningful goal. People deserve care, dignity, and support regardless of whether they reach full symptom remission. Many individuals experience greater peace when they stop chasing recovery narratives that were never designed for them and begin building lives that work with their nervous systems rather than against them. You Are Not Too Late If an eating disorder has been part of your life for a long time, you are not behind and you are not broken. You did not miss your chance at support. Hope does not require erasing your history or minimizing what you have survived. Hope can exist alongside chronicity. Related Episodes Why Some Eating Disorders Don't Resolve: Understanding Chronic Patterns & What Actually Supports Change on Apple and Spotify. When an Eating Disorder Becomes Chronic: Recovery Tools for Persistent Anorexia & Bulimia on Apple and Spotify. Work With Me I offer eating disorder therapy, consultation, and educational resources that center chronic eating disorders, neurodivergence, trauma-informed care, and harm reduction. My work is designed for people who have already tried standard recovery paths and need something more humane and realistic. You deserve support that meets you where you are in 2026. Check out my website at drmariannemiller.com for info about therapy, coaching, and virtual, self-paced courses.

Dean Taylor returns to the podcast to explain the sacraments and what this means for the life of the church. Historically, the Anabaptist view of the sacraments was a major issue in their breaking from the Catholics and Protestants. What were the issues at stake in those debates? What is the Anabaptist view of the sacraments? How should this inform how we live and do church?Dean's episode on the atonement AusbundDoctrines of the Bible ed. by Daniel KauffmanThe Shape of the Liturgy by Gregory DixThe Martyrs MirrorAn Introduction to Mennonite History by Cornelius J. DyckThe Schleitheim Confession The Writings of Pilgram MarpeckThe Writings of Balthasar HubmaierThis is the 303rd episode of Anabaptist Perspectives, a podcast, blog, and YouTube channel that examines various aspects of conservative Anabaptist life and thought.Sign-up for our monthly email newsletter which contains new and featured content!Join us on Patreon or become a website partner to enjoy bonus content!Visit our YouTube channel or connect on Facebook.Read essays from our blog or listen to them on our podcast, Essays for King JesusSubscribe on your podcast provider of choiceSupport us or learn more at anabaptistperspectives.org.The views expressed by our guests are solely their own and do not necessarily reflect the views of Anabaptist Perspectives or Wellspring Mennonite Church.

Dr. Deb Muth 0:03Today’s guest is someone I’m honored to call both a friend and a mentor, and one of the most trusted voices in medicine for patients with complex chronic illness. Dr. Neal Nathan is a board certified family physician who has spent decades caring for patients who don’t fit neatly into diagnostic boxes. Patients with mold related illnesses, Lyme disease, mast cell activation, and profound nervous system dysregulation. These are the patients who are often told their labs are normal and their symptoms are anxiety or that nothing more can be done. Instead of dismissing them, Dr. Nathan listened and he asked better questions. His work, including his landmark book, Toxic, has helped thousands of people finally feel seen, believed, and understood, and more importantly, has given them a path forward when medicine failed them. This conversation is for anyone who reacts to supplements or medications, for anyone who has gotten worse instead of better with treatment, and for anyone who knows their body that something deeper is going on, even if they’ve been told otherwise. Dr. Nathan, I’m deeply grateful for your mentorship, your integrity, and the way you continue to advocate for the most vulnerable patients. I’m so glad to have you here today. And before we begin, grab a cup of coffee, tea, or whatever grounds you, because this is the conversation you’ll want to settle into. Now, before we go onto this conversation, we need to hear from our sponsors. So give us just a quick moment and then Dr. Nathan and I are going to dive in to his story and how this all started for him and leave you with some nuggets of wisdom that you can help yourself with. Ladies, it’s time to reignite your vitality. Primal Queen supplements are clean, powerful formulas made for women like you who want balance, strength, and energy that lasts. Get 25% off@primalqueen.com Serenity Health that’s PrimalQueen.com Serenity Health because every queen deserves to feel in her prime the right places and then we can get started. All right? So, Dr. Nathan, like I said, I’m so excited to have you here today. Tell us a little bit about how did you start your career? Because you didn’t intend to work with the most complex and sensitive patients, I’m sure when you started out. But what did you notice early on that made you realize medicine was missing something? Neil Nathan MD3:03You know, Deb, actually, I did start out wanting to work with the most complicated cases. My delusional fantasy when I started was I wanted to help every single person who walked into my office. And so when I left medical school, I realized pretty quickly that the tools that I learned there were not adequate to do That I needed to learn more. So I started on a passionate journey of discovery, if you will, in which I started studying with anyone who had anything interesting about healing to talk about. And I want to emphasize that I was interested in healing, not in what I’ll call medical technology. So medical school taught me to be a good medical technologist, but it didn’t teach me about healing. I graduated a long time ago. I graduated from Medical School in 1971. And the word holistic wasn’t even a word back in those days, but that’s what I was looking for over many, many years. I studied osteopathic manipulation, homeopathy, therapeutic touch, emotional release techniques, hypnosis. If it’s weird, I probably have studied it at some point. I wasted some weekends studying things that I don’t think were particularly valuable. And I’ve had some remarkable experiences with true healers that taught me how to expand my understanding of what healing really meant. So early on, when I first started practice, I would invite my colleagues to send me their most complicated patients because that was my learning. That makes me weird. I know that. I love some problem solving. You know, I’m the kind of person who I get up in the morning and I do all of the New York Times kinds of puzzles. That’s. That’s my brain wake up call. So actually I did invite my colleagues to send me their complicated patients, and they did. So, I mean, they were thrilled to have me in the community because these were people they didn’t know what to do with. And I was happy as a clam with all these complicated things that I had no idea what to do with. But it pushed me to keep learning more, to keep searching for this person’s answer. And this person’s answer, that constant question is, what am I missing? What is it that I don’t know or understand? What questions am I not asking this person that would help me to figure it out? So sorry for the long winded digression. Dr. Deb Muth 6:14No, I’m glad you shared that. I’m very similar to you. I didn’t seek out working with the most complex, but as I started that, I was always very curious as well. So I was the same as you. Every weekend I would learn something and hypnosis and naturopathic medicine, homeopathy, and all these quote unquote weird things, right? And there’s always a pearl that you learn from something. You never not learn anything, but some of it, you kind of take or leave or integrate or not. And, and I think it, it makes you a better Practitioner, because you have all these tools in your toolbox for helping people that nobody else has been able to help. And. And it’s just kind of fun learning. I mean, I’m kind of a geek that way too. I like to learn all those things. Neil Nathan MD7:00Learning is my passion. One of my greatest joys in life is going to a medical meeting and getting a pearl. Literally. I’m not one of these people at medical meetings that have a computer in front of me listening. And I have a pad of paper and I’m writing down ideas next to people that I’m working with. So that, oh, let’s bring this up for these people. Let’s bring this up for these people. So it’s like, oh, great. Can’t get right back to the office on Monday so I can start, have some new ideas about what I’m missing. Dr. Deb Muth 7:38Yeah, I do the same thing. I have my pad of paper and I do the same thing. And as I hear something, I’m thinking about a person that’s in my office that I haven’t been able to help, or we’ve been stuck on something, and I’m like, oh, there’s a new thing we can try. And it’s so exciting. I love that. Let me ask you this. Was there a time when you finally thought, like, if I don’t listen to these patients differently, they might not ever get better? Neil Nathan MD8:04That’s a very complicated question. The people that I was treating that weren’t getting better were the ones that got my greatest attention. And one of the questions that constantly troubled me still does is, is this person not getting better because of some feature of themselves, or is it because of something that I don’t know? So I’ve wrestled with that for a very long time. My answer to it now is, For a long time, I’ve been able to see what I will call the light in a person. Call it a healing spark and energy. It isn’t truly light. There’s just something about that person when I work with them where I know this person will get well if I stick with them long enough. And then when I don’t get that, I don’t think I’ve helped any of those people over the years. Yeah, so it was a very long process of really not helping people for five years daily. And I would. I would ask those patients, I would say, you know, I haven’t helped you. We’ve been doing this for a very long time. Why are you still here? And they would say, because you care. And I would. Back when I was Younger, that was enough for me to go. That’s true. Okay, I’ll keep working at it. But as I’ve gotten older, caring isn’t enough. It’s. I’m not sure I’m the right person for you. And so as I’ve gotten older, when I don’t see that spark, when I don’t get that sense of someone, I’m more inclined early on in the relationship to tell them I’m not the right person for you. Yeah, you know, see if you can find someone else who can understand what you’re going through and help you. Because I, I’m not it. Dr. Deb Muth 10:16Yeah, you, you kind of know that you can help them or not. Yeah. Neil Nathan MD10:21I don’t know how to define that sense, but it’s very clear to me. I call it like seeing the inner light of another being. If it’s not there, and maybe it’s not there for me to see as opposed to someone else can see it. Dr. Deb Muth 10:41That’s interesting. So you’re known for working with patients who are highly reactive. They don’t tolerate supplements, a lot of times medications, or even some of your most gentlest protocols. Why are these patients so often misunderstood? Neil Nathan MD 10:59Because they appear to their family and to many other physicians to be so sensitive that the thought process of families and other physicians is often. Nobody’s that sensitive. This has got to be in your head. And that is what is conveyed to those patients. And they’re told it’s gotta be in your head. Go see a psychiatrist or a therapist. But I can’t help you. And unfortunately, we have learned in the last 20 years a great deal about, is making our patients so sensitive. It is a true reaction of their nervous system and immune system, and it is in response to various medical conditions they have. So again, as we’ve been talking about, those were the people that got sent to me for many years. And I, I have never believed that the majority of any. Anything that someone has experienced is in their head. Yeah, Almost everything I look at is real. I may not understand what is causing it, but for me, doubting a patient’s experience is not something I’ve ever done. And that’s what’s helped fuel what I’ve learned and what you learned over the year. That, okay, if this is real, and it is, I’m sure it is, the person in front of me looks like a straight shooter. They’re not hyper reactive. They’re not going off the deep end talking about it and talking about it very straightforwardly. And I’ve got these symptoms. I’VE got this, I’ve got this. And it’s really making my life miserable. Okay, what’s causing that? So I began to work with what we now call very sensitive patients and figuring out what caused that. So over the years, I think we have names for this in medicine. Sometimes we call this multiple chemical sensitivity. People who will go to be walking down the street and someone will walk past them wearing a particular scent or perfume and they will literally fall to the ground or go brain dead or can’t think straight or even have some neurological symptoms. And I’ve seen that happen in my office. I’ve seen patients walking down the hall and having a staff member who had washed their clothes and tied walk past them. And I literally watched them fall on the floor. And it’s like, this is not psychological. This is someone who is reacting to the chemical that they are being exposed to and this is the effect it’s having on them. And so eventually it became clear that all forms of sensitivity, sensitivity to light, sound, chemicals, smells, food, EMFs, touch, were really being triggered by a limbic system that was unhappy. We began to learn about limbic issues before that. Give you a short history of it. I have discovered something called low dose immunotherapy different by Butch Schrader. And there was a long three year period of if someone stuck with it. If I used those materials over time, a lot of my chemically sensitive people would get better. It was the only tool I had back then. Dr. Deb Muth 14:41Yeah. Neil Nathan MD 14:42)Then, I don’t know, 15 years ago I discovered Annie Hopper’s work with dynamic neural retraining. And when I added that to what people were doing, that’s when I had my, ah, this is an Olympic system issue. And this is something we can reboot. And since then, many other people have limbic rebooting programs which are quite excellent and useful. Now I helped a lot of people at that point and it wasn’t until I stumbled on Stephen Porges work with the vagal system with this concept of polyvagal theory that I realized that the two areas of the brain that are monitoring that person’s environment, internal and external, for safety, are the limbic and the vagal systems combined. So when I started adding vagal strategies to the limbic strategies, I helped even more people. And then the first, the third piece of this trifecta was 2016 when Larry Afron wrote his book Don’t Never Bet Against Occam, in which he began our understanding of mast cell activation. And when I read his book, it was like, oh, big piece of the puzzle. And then we realized that those three things. And there’s more, but those three things were treated, Would help the vast majority of our sensitive patients regain their health and regain their equilibrium. This is not psychological. This is really treatable. Dr. Deb Muth 16:19Yeah, I’ve noticed the same thing in my practice and followed very similar paths. As you started out with ldi and lda, and then the vagus nerve things have been by far. I think if I look back, the vagus nerve work has been the biggest changer in our practice as well. I mean, all of the things help, but, like, I can give somebody a vagus nerve stimulator today, and within 30 days, 90% of their symptoms are better. And that just kind of blows my mind. It’s like I’ve never had a tool in my toolbox that has worked that well and that quickly. So. So it really is making a big difference. And I, too, was trained way back in the late 90s with multiple chemical sensitivity people. And some of those clients that I inherited from my mentor are still around. And, you know, they still can’t function at all. They’re wearing gas masks. They can’t leave their house. You know, any smells that even come in without them opening the windows, they are stuck. And no matter what you do, it’s just a challenge. Nothing works for them. And it’s a very sad life that they have to live. Neil Nathan MD 17:30Well, let’s add to that story that you can give people limbic vagal and mast cell treatments, and it’ll really work well to help them, but you need to look deeper, which is what is causing mass cell issues. And in my experience, mold toxicity is by far the number one and various components of lyme disease is a second one, and then a variety of other environmental toxins, infections, and things like that may trigger for some, but you’ve got to go back and get to the cause or else. Dr. Deb Muth 18:12Yeah, nothing works. Neil Nathan MD 18:13You can make them better, but you can’t really get them. Well, you get rid of the cause, and people can completely differently life back. Dr. Deb Muth (18:20-18:21)Yeah. Neil Nathan MD 18:22One of my frustrations with the mast cell world is after Larry efferent’s book came out, it changed people’s consciousness about mast cell activation. Something genetically rare to something which we now know. It affects 17% of the population, so not rare at all. But the clinics that are popping up to do it, and now in every major medical center of the country has a mast cell clinic. But number one, they rely completely on testing to make the diagnosis, and testing is notoriously inaccurate. And second, they just aren’t aware that you gotta get cause. So they’re helping people, but they’re not curing people because they’re not looking for cause. Dr. Deb Muth 19:13Yeah. And if they’re helping people, it’s on a minimal level, in my experience. They’re. You know, most of the patients that we see that have been at those clinics have been dismissed. Once again, told that because the testing isn’t positive and they’ve only done it once, that they don’t have this. But yet they fit all of the pictures. And then when you start digging, you start realizing they really do have mast cell, and. And you can find the answers for it for them. Neil Nathan MD 19:40Yeah. Dr. Deb Muth 19:41Why do you think mold remains so unrecognized in conventional medicine? Neil Nathan MD 19:48Interesting question. You know, I started writing a book chapter on the history of mold toxicity, our understanding of mold toxicity. And it’s. It’s fascinating to me. The mold toxicity is described in the Bible as a fairly long passage in Leviticus where it talks about that. So it’s not like it’s unknown to the universe, but largely, it’s remained undiscussed. Most people are aware of mold allergy. We’ve been treating mold allergy for decades. That we accept fully. I think the answer to your question lies in history a little bit. And I didn’t know this until I started kind of digging into it. There was an episode in the 70s in which a large number of school children in Cleveland, Ohio, got sick, and public health authorities attributed it to mold. About a year or two later, it was discovered that they. The H VAC system in the school had Legionella. Legionnaires disease. And it was then decided that, no, it wasn’t mold, it was legionnaires. And then a number of articles began appearing in the medical journals. Their names were literally mold. The hoax of mold toxicity. And that consciousness pervaded for 20, 30 years where people were reading these articles in which they were being told that mold toxicity was a hoax. That’s a strong word. And it took papers after papers after papers published in all kinds of medical journals, which were began to say, this is very real. This is symptoms that. That we see. It wasn’t until 2003, when Michael Gray and his team published a series of papers showing that these widespread symptoms, which we now recognize as mold toxicity, was real and directly attributed to mold. Now, keep in mind, we didn’t even have a test for mold at that point. Dr. Deb Muth 22:10Right. Neil Nathan MD 22:12So you could say this is mold toxin, because this person was. Well, they went into a moldy environment, they got sick, they went out of the moldy environment. They got well again, but we didn’t have treatments. We didn’t have a test for it. Historically, people were suspicious. Not very scientific. 2005, Richard Shoemaker wrote his book mole warriors, which really began to popularize the concept of this was a real thing. And in it, Ritchie talked about his markers and the visual contrast test. Now, these were not specific for mold, but they strongly, at least implicated that. Now, we had a test that could be helpful. So it wasn’t really until about 2010 that the first urine mycotoxin test came on the market. And at that point, we. We really could tell a person, you’ve got these symptoms, you’ve been living in mold. And now we have a test that shows you have mycotoxins in your urine. Now, it’s not like it’s a theory. It’s coming out of your body. That has furthered it, but not yet in the consciousness of the medical profession at large. As I’m sure you know, the history of medicine, in fact, the history of science, is that new ideas take 20 plus years to really be accepted by the profession. A new drug, a new technology is accepted very quickly because there’s an economic push to it. There’s no economic push to a new idea. So we’re still in the throes of some of us who work in the field. People say there’s no published data that really prove that this exists. And we’re working on that. As you know, we’re working on getting the papers published, but again, working on this history of molotoxism, There are actually hundreds and hundreds and hundreds of papers in the medical literature which really attest to the fact that this is a reality. It’s just that you and I are the only ones reading these papers. Dr. Deb Muth 24:33Yeah, we’re the only ones that care. Yeah. What would acknowledging mold actually forced medicine and the institutions to confront? Neil Nathan MD 24:44First of all, many medical offices and. Dr. Deb Muth 24:47Hospitals are molding, very much so. Neil Nathan MD 24:51And nobody wants to deal with that. It’s expensive. It’s difficult to truly get mold out of a building when it’s there. And so there’s a huge economic push to not acknowledge mold toxicity as an entity. The whole building industry doesn’t want to deal with it. Yes. It is estimated by the federal government that 47% of all molds have visible or smellable mold in them. It’s not like it’s rare. Not everyone’s going to get sick from it. But if your immune system takes a hit from anything and it loses containment over that mold, then you will take a hit from it. And it is also estimated that at least at this moment, 10 million Americans are suffering with some degree of mold toxicity and don’t even have a clue that that’s a real thing and that it can be both diagnosed and treated successfully. Dr. Deb Muth 25:51Yeah, it’s so hard. Like so many of the patients that we see, mold is never on their radar when they come to us. You know, Lyme disease is never on their radar when they come to us. And many of our patients have both. And the argument of there’s no way I could have, you know, mold exposure until you start digging back into their history a little bit. And then they’ll say, well, yeah, grandma’s house smelled and you know, I live in a hundred year old house, but it’s been completely renovated. And until you start having these conversations and really talking about it, people don’t have a clue that these things could make them sick. Or they, you know, I have a lot of clients that renovate houses for a living or that’s, you know, their hobby. And they go in and they renovate these houses and they’ve never worn appropriate equipment to protect themselves and, and then they’re sick 10, 15 years later. But don’t really understand why. Neil Nathan MD 26:47Yeah, from my perspective, it’s about how robust the immune system is. Dr. Deb Muth 26:51Yeah. Neil Nathan MD 26:52That if your immune system is robust, and this is true for Lyme as well as molecules, you could be bitten by a tick, you may have a Lyme or a co infection of Lyme like Bartonella rubesia in your body, or you could be exposed to mold, you could be living in a moldy environment, and your immune system will allow you to function at a high level for a while if your immune system takes a hit. Now the hit recently, big time, was Covid that unmasked Lyme and mold for a lot of people and a lot of people who think they have long whole Covid really have unmasked that they have Lyme and mold toxicity. That’s a whole other subject here. But menopause, childbirth, surgical procedure, any severe infection, any intense emotional reaction, death of a loved one, any of these can weaken the immune system. And then what is already there is no longer contained and we are off to the races of severely impaired health. Dr. Deb Muth 28:02Yeah, that’s what it did for me. I got sick with COVID and maybe about six, eight months later, I started to express neurological symptoms that looked like Ms. And actually had the diagnosis of Ms. But knowing what I know, I said, you know what? Ms. Is something else. Until proven otherwise in my book. And so because I had the knowledge that I did, I went and did all the Lyme testing and the mold testing and hit the trifecta of everything. Lyme co infections, mold, viruses. I just had everything. And as I started down that path of trying to clean it all up, all of my symptoms started to disappear. And certainly it wasn’t as easy as it sounds, and it wasn’t as quick. And I felt a lot worse before I felt better, as most of our clients do. But I think that I’m not the only person that this has happened to. And I think a lot of people get misdiagnosed just simply because nobody’s looking for the other problems that you and I look for and that we know of. And that’s one of the ways our medical system fails the clients they work with. Unfortunately. Neil Nathan MD 29:12One of the things that I teach and want people to be aware of is any specialist who makes the diagnosis that includes the word atypical. So atypical ms, atypical Parkinson’s, atypical Alzheimer’s, atypical rheumatoid arthritis, whatever it is, if that’s the word. What they’re saying is this has feedback features of this illness, but doesn’t really match what I see every day in my office. And when I hear the word atypical, I say, please look for mold, please look for Lyme. Because that is often the case here. Dr. Deb Muth 29:51Yeah, oftentimes it is. You also teach that when patients get worse under treatment, it doesn’t mean they’re failing. It means the treatment might not be appropriate for their psychology. Can you explain that a little bit? Neil Nathan MD 30:05Yeah. I think that many people start understanding about things like Lyme or mold and don’t really have the bigger picture. And so they will jump in with aggressive treatments in people who aren’t really ready for that degree of aggressive treatment. And here we’re going to come back to, if someone’s living vagal and mast cell systems are dysfunctional and not working properly, it is highly likely they won’t be able to take normal doses of the binders we use for mold, or to take antifungals or to take the antibiotics we need for Lyme disease. It’s not that they don’t want to. They can’t. And so what I see is not understanding what you need to do, in what order. If you do it in the right order, you’ll help the vast majority of people you’re working with. And again, that trifecta of limbic vaginal, mast Cell is one piece that a lot of people don’t address. And again, order matters. For example, in the mold world, some people have learned that, oh, I’ll need to give people antifungals to get this mold and Candida out of their body. But if you do that and you don’t have binders on board, there’s a very high risk that you’re going to cause a severe die off and make people really miserable. I remember when we kind of first started this, I was working with Joe Brewer, who’s an infectious disease specialist from Kansas City. And Joe wrote some of the earlier papers on this particular subject. And I was doing, I had a radio show at that point and Joe was on and we were talking about mold toxicity and how we treat it and what we did. And he mentioned that about 40% of his patients had this really nasty die off. And I went, I almost never see a die off. And so when we got off the program, we sat down and tried to compare notes about, okay, what am I doing differently than you, that I’m not getting the die off. And Joe, as an infectious disease specialist would go quickly to his antifungals. And yes, he put people on binders, but he also simultaneously put the lungs in pretty heavy doing antifungal. They got a nasty diure. I never put people in antifungals until their binders were up and running. So from my way of thinking about it, if you use any antifungal, they all work by punching holes in the cell wall of either a mold or a candida organism, killing it. However, by punching holes in it, what’s in that cell leaks out. And that includes mycotoxins. So. So you’re literally, if you’re using it aggressively, you can literally flood the body with mycotoxins. And if you don’t have the binders on board to mop it up, there’s a high risk that you’re gonna be pretty miserable. Cause you’re literally more toxic. Dr. Deb Muth 33:18Yeah, I remember in the early 2000s when they were teaching, if you’re not getting somebody to have that die off reaction, that quote unquote, herx reaction, then you’re not doing your job, you’re not giving them enough. And we would have clients that would come in and say, I’m not herxing. You’re not doing enough for me. And we were always the ones that are saying, you don’t have to hurt to get rid of this thing. I’m a naturopath too. And so preserving the adrenal Function was always very important to us. And we were like, if we cause you to hurts like that, now we’re depleting the adrenal system. We’re creating more problems that we’re gonna have to fix on the backside. And that was the narrative that was being taught back then. And I’m glad that’s not the narrative that’s being taught today, for sure. But people don’t understand. Like you said, you’re more toxic at this point, and creating more toxicity isn’t what we want to do. Neil Nathan MD 34:12It’s not good for healing. Kind of intuitively obvious, but you’re right. Back in the early days, we were taught that just to put a spin, I’ll call it on a nasty Herc’s reaction. Oh, great, we’re killing those little microbes. This is fabulous. Yep. I mean, that’s how we spun it back then. And currently I can’t say that some Lyme literate doctors still believe that, but most of us have realized that. No, that means we’re killing him too quickly. We need to modify what we’re doing so that we are killing it, but not at a rate that our patient is getting worse. Dr. Deb Muth 34:59Yeah, I always tell people we want to kill the bug, but we don’t want to make you feel like we’re killing you at the same time, because that’s what’s going to happen if we’re not careful. So, yeah, how does trauma and emotional or physical trauma and abuse and chronic illness, how do they all reinforce each other? Neil Nathan MD 35:24Our limbic systems have been trying to keep us safe since we were in our mother’s uterus. By again scrutinizing the stimuli we’re being exposed to from the perspective of safety. So none of us have had perfect childhoods. Yeah, some older than others. But depending on what you had in your childhood, maybe you had recurrent ear or throat infections and took lots of antibiotics. Or maybe you needed surgeries. Or maybe you had parents who were both working and not particularly available to you. Or maybe you had abusive parents in any way possible. But through your whole childhood experience, your limbic system is really going okay. This isn’t safe. This is not good for me. This is not right. And becoming more and more hyper vigilant to really be aware of that so it can try to keep us safe, which is okay. Maybe my parent was an alcoholic and okay, they’re coming in now. I’m going to make myself scarce. My limbic system is going to tell you, get out of here. Don’t put yourself in harm’s. Way, if that’s the case. And then as we go through our lives, more things occur. We have heartbreak when we’re teenagers, and we have difficulties with work or bosses or other things. Each insult of safety to us helps to create a limbic system that is more and more hypervigilant. So if you then have a trauma of any kind, it’s kind of like the straw that breaks the camel’s back at that point. And that could be mold toxicity, that could be Covid, that could be the loss of a loved one, that could be a betrayal of some point, any number of things, once that happens. Now that limbic system is super hypervigilant. Now, what that means is, symptomatically for people is we’re going to have symptoms in two main categories. Not to make us sick, but to warn us from our limbic system that, hey, this isn’t safe for you. You got to get into a safe place here. And those symptoms are in the category of emotion and sensitivity. So with any of our patients that we see, if they have become more and more anxious patients, panic, depressed, ocd, mood swings, depersonalization, derealization, that’s all limbic. And if they have any increase in sensitivity to light, sound, chemicals, smell, food, touch, EMFs, limbic. So most of our patients have gotten to that place. And as I’ve said, the vagal system comes along with the limbic system because it does the same job. Those symptoms are a little different. The vagal system controls the autonomic nervous system, and so things like temperature, dysregulation, pots, blood pressure, palpitations. The vagus nerve also controls almost all gastrointestinal function. So almost any symptom in the GI tract is going to have a vagal piece to it. Gas, bloating, distension, reflux, abdominal pain, constipation, diarrhea. So those are common symptoms in our patients. And it helps us to tease it apart that we can literally tell them these are symptoms of vagal dysfunction. These are symptoms of limbic dysfunction. And I hope I’m answering your question, which is, how does this evolve? It evolves throughout our whole life, and then eventually we get to the point where our limbic system is overwhelmed. And here’s the good news. We can treat this. We can fix it. We have various programs. And honestly, Deb, I believe that every man, woman and child on this planet needs limbic retraining, or at least limbic work. Co did a real number on the whole planet. Yeah, most people live in some degree of fear From a wide variety of causes. And we don’t have to live in fear. We don’t have to let us hurt us, but we do need to recognize that it is limbic, it is vagal, and we can do something about it. Dr. Deb Muth 39:58Yeah, that’s an exciting time for us, I think. You know, I. I agree. Like, the last couple of years have been very traumatic for a lot of people. Our young kids that were traumatized in school, their parents, the grandparents. I mean, everybody has gone through some kind of anxiety or fear around what’s happened in the last few years, and not to mention all the things that they’ve lived with their whole lives. And this just kind of came to a head and I think broke open for a lot of people that were suppressing their feelings up until this point. And it. It just was the perfect storm for a lot of people, unfortunately. And there’s a lot of people that can’t get over the trauma that’s occurred. The lying amongst the government and our families, how we treated each other and pushed each other aside and, you know, broken families apart because of their belief systems. It really did a number on people, and they’re really struggling to get back. Back for sure. Neil Nathan MD 40:56Yeah, we’re in complete agreement here. Dr. Deb Muth 40:59Yeah. Yeah. So many of our listeners, especially women, have been told their symptoms are anxiety or stress or quote, unquote, just hormonal. Right. And from your perspective, what damage does that kind of dismissal cause for people? Neil Nathan MD 41:16We have a fancy word for that, which is iatrogenic illness. Translation is your doctor is making you sick by treating you inappropriately, not making the right diagnosis and not honoring what you’re experiencing. There’s actually a new word that I’ve recently heard called medical gaslighting, in which you describe something to your doctor and he goes, no, this is in your head. There’s nothing really physically wrong with you, and you know that. No, no, no, no, no. I might be a little bit stressed by it, but something else is going on in my body. And they’re telling you, no, we tested you. Usually those testings involve doing a blood count and a chemistry profile, and that’s it. Those tests will not reveal the kinds of things we’re talking about because you’re not looking for the right thing. So it is really common for our patients to have been told that there’s nothing wrong with you. You need to see a psychiatrist because they don’t know enough to understand that the symptoms you’re describing, if you understood what you’re looking at, are very clear manifestations of Things. Things like mold toxicity and Lyme disease, chronic viral infections, a variety of other things. But your doctor has to know this in order to happen. And this is a failure of medical education. So if my message to everybody always is never doubt yourself or what you’re experiencing, it’s real, there’s never a reason to doubt that. If the people around you aren’t believing, you find someone who does. And again, to augment this, part of the problem is if families accompany the patient to the doctor’s office and they hear the doctor telling them it’s in their head, families become less supportive of their loved ones and go, well, doctor said, this is in your head. I don’t know why you feel so awful. And so families need the same point of view of trust your loved one’s perceptions. There’s no reason not to. Malaboring hypochondria is extremely rare. Gets talked about a lot. I’ve been practicing for over 50 years. I have rarely seen, seen anybody with those truly with those symptoms. So trust yourself. Good. Dr. Deb Muth 44:03I love that. What do you wish every clinician understood about listening? Neil Nathan MD 44:13I wish that every clinician had the same curiosity that we do, which is, I might not understand why this being in front of me has these symptoms or is ill, but I’m going to do everything in my power to figure it out. That means I’ll learn what I need to learn. I’ll study what I need to study to figure out why this person is sick. I really wish, and I understand kind of why that’s happened. My wife always thought that everyone was like me, which was Saturday mornings. My great joy in life was getting up early with a cup of coffee and reading medical journals or obscure medical books. That was my joy. She was shocked that most other people don’t. The way medicine actually evolved. We’re burning out doctors at a rate never before in the history of this planet by making them do things that are not in the service of patients, but are in the service of making money. And so doctors are being given seven minutes per visit. If you have a complicated person, there’s no way you could do income. Seven minutes. The way the system is set up, it doesn’t allow doctors to do their job. And then they’re under tremendous pressure to get the charts filled out properly, the way the advent of electronic medical records supposed to be. This great thing is it’s making doctors have to go home and spend two hours at home, not with their family, but getting their charts squared away. And I don’t think all patients realize the Kind of pressures that doctors are under. So to answer your question, I would like doctors to be more curious, but also, the system is broken, and I wish we could fix the system so that every patient could get the amount of time they needed with their doctor to really explore what’s going on and get to the heart of what’s happening. Dr. Deb Muth 46:31I so agree. So agree with all of that. If there was one question you would want every patient to ask their doctor, what would it be? Neil Nathan MD 46:44How would you treat me if I was your sister, mother, relative, whatever. Not what you want to do, theoretically. But if I were your wife, if I were your sister, how would you treat me? I don’t see that happening much, especially with elderly people. I see Doctors going, you’re 80. What do you expect me to do? I’m getting pretty close to being 80. And I expect you to help me because I want to function at this high level for a very long time. There was. It was an old joke that used to be Bella went in to see the doctor, and the doctor, he said, doc, my knee is all swollen and it’s tender and I’m having trouble walking on it. And the doctor said, you’re 102 years old. What do you expect? But, doctor, my other knee is perfectly fine, and it’s 102 years old also. So I once had the opportunity. I had a 100-year-old patient who had exactly that. So that was able to look at his knee and go, we’re going to take care of this. So it’s just older people need to be treated with respect, with the same thing, of absolutely no reason that they shouldn’t get the kind of attention that you would want your grandfather, your father, to have. Dr. Deb Muth 48:16Yeah, I love that question. So I have one last big question for you. If medicine were rebuilt around patients instead of systems, what would you change? First. Neil Nathan MD 48:33I would get rid of the middle man in medicine, the HMOs, the managed care organizations, where they take the profit and it’s being shunted into other areas. So rather than the physician being paid directly for what’s happening, they just get a piece of it that the managed care organization deems appropriate. You know, I grew up in what was called golden age of medicine back in the 70s, where I could do for people what they wanted done. People didn’t doubt that it was in their best interest and that if I ordered a test, it got done. I didn’t have to have someone else authorizing or tell me this is an okay or an appropriate test, I could do it. So I would go back to a. A practice of medicine, direct care, where you. Maybe there’s a system that would help reimburse you for it, but you could go to the doctor and you get what you need, and the doctor decides what you need. Actually, they’re the ones seeing you. Would a clerk in an office 600 miles away decide whether you can have this test or not? Have this test? Test? It doesn’t make any sense to me. I should be able to deliver what you want and need, and I should have the time it takes to really work with you. I’d like to go back to the 70s. Dr. Deb Muth 50:07Me too. Me too. Is there one thing that gives you hope right now for our system? Neil Nathan MD 50:16Honestly, I’m a very optimistic person. My answer is is no. I think the system is broken. I think it is being held intact by people who are profiting from this system. They have no interest in letting go of their profits for it, and they don’t have any interest in seeing that people get treated properly and well. So I think, as I said, the system’s broken. It needs to be rebuilt from the ground up. Dr. Deb Muth 50:45I agree. I agree. Dr. Nathan, thank you so much. Not just for the conversation, but for the way you’ve modeled curiosity and humility and compassion in medicine. It is an honor to work alongside of you, call you my friend, and learn from you. Thank you so much for that. For those listening, if this episode resonates with you, I want you to hear this clear clearly, your sensitivity is not a flaw. Your body is not broken. And needing a different approach does not mean you’re failing. Healing doesn’t happen by forcing the body. It happens when the body finally feels safe enough to heal. If this conversation has helped you and you feel seen, I encourage you to share it with someone who needs that as a reminder. Thank you for being here and thank you for sharing with us. Let’s talk wellness now. Neil Nathan MD 51:38So in this context, I just want people to be aware of one of my recent books, which is the Sensitive Patient’s Healing Guide, which talks about this in great detail. And the new second edition of my book, Toxic, goes over the whole mold Lyme thing in more detail. So again, that wasn’t intended to be self serving, but rather there are resources where you can learn even more about it than Deb and I are able to cover in this short interview. Dr. Deb Muth 52:09Yeah, absolutely. And your first book, Toxic, was amazing. So if people haven’t read it, you definitely want to read the second version of it because it is incredible. And Dr. Nathan, if there’s somebody that wants to get a hold of you. How do they find you? How do they learn more about what you’re doing? Neil Nathan MD 52:24A very complicated website. Neilnathanmd. Com. Dr. Deb Muth 52:30Perfect. Well, thank you for today. Neil Nathan MD 52:34You’re very welcome.The post Episode 253 – Environmental exposures, Lyme disease & multiple chemical sensitivities: integrative approaches to healing first appeared on Let's Talk Wellness Now.

Daily Dose of Hope January 22, 2026   Scripture: 2 Thessalonians 3   Prayer:  Lord Jesus, We rejoice in you.  We praise your name.  You are the Alpha and the Omega, the one who was, and is, and is to come.  We cannot possibly express our gratitude in words.  You have offered us mercy but you have also given us freedom.  Thank you for that.  Help us live like free people.  Help us demonstrate your love and grace to others who cross our path.  Help us see people through your eyes.  We love you, Lord.  Amen.   Welcome to the Daily Dose of Hope, the devotional and podcast that complements the New Hope daily Bible reading plan.  We have been working our way through the apostle Paul's letters to his churches.  Today, we are finishing up with our third pastoral letter, 2 Thessalonians.   Our reading today was 2 Thessalonians chapter 3.  In this chapter, Paul admonishes a group in the church who are causing disruption by refusing to work. We don't know the details of the circumstances. It's possible that this group believed Jesus' second coming was imminent, so there was no need to work and earn a living. It could also be that this group found menial labor beneath them and wanted nothing to do with it. Finally, it could be a group of individuals who had grown accustomed, possibly even entitled, to the church's generosity and did not want to have to work in return. But Paul is clear: he worked and they would work too.  Whatever their motivations, this group was disruptive and creating problems within the church. They would not be allowed to take advantage of the church's generosity.   As Christ-followers, we have clear commands from Jesus to care for the least of these. Jesus fed the hungry and cared for those who had little. The early church was obviously following the example of Christ and offering food to those who asked for it. But at some point, giving can lead to entitlement.  Paul was certainly alluding to that.  Many of you know my background involves extensive work with homeless families and people in crisis. I've struggled with these issues for years, but this is basically where I've landed; we are called to care for the needy but we never want to harm others by destroying initiative or creating dependency. Historically, church outreach programs have engaged in one-directional giving, things like food giveaways, clothes closets, and soup kitchens. While there is a place for such ministry, it must be limited and targeted. Relief must be limited to times of crisis. But after the crisis is over, the kind of help needs to change.  To see meaningful change, we must address root causes, building real relationships and working with ministries that empower people to make hard but necessary long-term transformation.   Blessings, Pastor Vicki  

Send me a one-way text about this episode! I'll give you a shout out or answer your question on a future episode.Historically, for homemakers, winter was not a time of inactivity, but of different activity; making and mending, close to the hearth, to prepare for the busier days of spring, summer and fall. Today I want to share some ideas for cultivating your soul, mind and skills through the practice of winter homemaker culture.Full Show Notes on the Blog: https://www.theartofhomepodcast.com/blogMore On Homemaker Culture:Monday Motivation #6; Cultivating a Creative LifeMonday Motivation #29; Nature Study & JournalingMonday Motivation #30; An Artful LifeSupport the showHOMEMAKING RESOURCES Private Facebook Group, Homemaker Forum Newsletter Archive JR Miller's Homemaking Study Guide SUPPORT & CONNECT Review | Love The Podcast Contact | Voicemail |Instagram | Facebook | Website | Email Follow | Follow The Podcast Support | theartofhomepodcast.com/support **Buy | as an Amazon affiliate, AoH receives a small commission at no extra cost to you when you use our links to purchase items we recommend

Historically, many PE-backed firms don't take marketing & branding seriously. They think building a brand is irrelevant and takes too long, especially for the aggressive timelines often found in private equity. What if we told you building a brand and then marketing that brand can actually work as a shortcut to the results you want AND increase your valuation? We wanted you to learn from an expert with a ton of experience here, so we welcomed on Marc Rust. He's the Managing Director of Consequently Creative (CQC), who helps private equity increase portfolio company valuations & navigate change with brand momentum. For more about ForthRight Business by ForthRight People or for 1:1 consultation, check us out at ForthRight-Business.com And as always, if you need Strategic Counsel, don't hesitate to reach out to us at: ForthRight-People.com FACEBOOK https://www.facebook.com/forthrightpeople.marketingagency INSTAGRAM https://www.instagram.com/forthrightpeople/ LINKEDIN https://www.linkedin.com/company/forthright-people/ RESOURCES https://www.forthright-people.com/resources VIRTUAL CONSULTANCY https://www.forthright-people.com/shop

Thirty years ago, we never imagined we'd be navigating conversations about gender identity and sexuality with our children, but here we are. In this powerful conversation, Dannah Gresh from Pure Freedom Ministries shares biblical wisdom and practical tools to help you confidently guide your kids through today's confusing culture.In this episode, you'll discover:✅Three key Bible passages every child needs to understand about their body and identity before the world tells them lies✅How to have age-appropriate conversations about gender and sexuality without robbing your children of their innocence✅The critical difference between accepting and affirming when someone you love is walking through gender confusion✅Why your child's maleness or femaleness is directly connected to reflecting God's image in the world✅Practical strategies for responding with both truth and compassion when your kids encounter gender ideology at school or onlineReady to equip yourself with biblical truth? Grab the resources Dannah mentions in this episode to start these important conversations with confidence.Get your FREE Basic Pass to Life Skills Leadership Summit 2026 to give you confidence that your kids will be ready for adult life: https://HowToHomeschoolMyChild.com/lsls26Resources Mentioned:It's Great to Be a GirlLies Girls BelieveLies Girls Believe Mom's GuideLies Young Women BelieveLies Women BelieveIt's Great to Be a BoyLies Boys BelieveLies Men BelieveDannah Gresh is the founder of True Girl, a ministry dedicated to providing tools to help moms and grandmas disciple their 7–12-year-old girls. She is the co-host of Nancy DeMoss Wolgemuth's Revive Our Hearts podcast and Revive Our Hearts Weekend. She has authored over twenty-eight books, including a Bible study for adult women based on the book of Habakkuk. Dannah and her husband, Bob, have just released a new book and limited-series podcast called Happily Even After which tells their marriage redemption story. They live on a hobby farm in central Pennsylvania.Show Notes: Introduction: A Topic We Never Imagined FacingKerry: Well hey everyone, Kerry back here with Life Skills Leadership Summit. Today I'm excited—not because of the topic, because it's a really difficult topic on sexuality and gender—but Dannah Gresh, I've just gotten to know her from a distance through podcasts and Revive Our Hearts and reading one of her books as well. But I do know that she has got a lot to say on this issue. So Dannah, thank you so much for being here. I really appreciate it.Dannah: Oh, I am so honored and delighted. Thank you for having me.Kerry: So before we get started, let me just pray for us and we'll let God guide this conversation.Father in Heaven, thank you. Thank you for today. Thank you for Zoom. Thank you that we can have a conversation and we can share it with many, many people. We thank you that you are sovereign, that you're the King of Kings and Lord of Lords, and we can rest in that no matter what's going on around us. And there's a lot of mess going on around us, but we can have our hope in Jesus.We just thank you for Jesus and the bond that we have in Him through the blood that He shed for us. I thank you for Dannah being here. I pray that the things that you want said will be spoken through this conversation, that you will be glorified, and that the ones that are listening, you will just really touch their hearts and show them what types of practical steps or spending more time in the Word—whatever you want them to do—and just to be led by the Holy Spirit. We pray all these things in Jesus' powerful name, amen.Dannah: Amen.About Pure Freedom Ministries and PartnershipKerry: Okay, for those of you that don't know, Dannah has Pure Freedom Ministries and this has two parts: True Girl and Born to Be Brave. By the time y'all listen to this, you probably already heard one of my kickoffs because we do one on Sunday night before the whole week and I'll explain it.But they are our organization that we are supporting through this Summit. So we'll take the profits that we make on anyone that upgrades from free to VIP. If you upgrade to VIP, 5% of our profits will go to this organization. And then some of our speakers—you've probably heard about the ones that have chosen to—if they decide to donate 5% of their commissions, then I will match that 5% as well.So hopefully, you know, that will be just a little way that y'all can support what Dannah and her team are doing. So I just want to make sure everyone understands that before we get going.Dannah: What a blessing. Thank you so much.Dannah's Story: From Teenager to Ministry LeaderKerry: Well, let's before we start this topic, can you just tell people a little bit about yourself?Dannah: Sure. Well, I love Jesus first and foremost, and He is the best part of everything about my life. I came to know Him when I was a really little girl through Child Evangelism Fellowship five-day clubs. I just love Child Evangelism Fellowship to this day because I remember that moment when I surrendered my heart and my life to Jesus. So precious.But fast forward—at the age of 15, I was a teacher for Child Evangelism Fellowship. I was teaching Sunday school in my church to three-year-olds, and I loved the Lord like crazy. But I was in a Christian dating relationship and was blindsided by sexual temptation.I just thought that was not possible in my life because I loved the Lord so much. And it became this great shame and this great heartache of my life until I was about 26. I just really understood that even though it had been so long since I'd experienced that sin and chosen that sin, I hadn't really received the redemption and the freedom that Christ died to give me.When I did, my life changed. And I had to get out my megaphone—my proverbial megaphone—and tell teenage girls. And then as I was doing that, ministry just kind of exploded.I was praying, "Lord, let me graduate to college girls and adult women." And the Lord said, "What about my little women? What about my 10-year-olds and what about my 9-year-olds and what about my 8-year-olds?"I was like, "Lord, that's really great. Somebody needs to do children's ministry, but what about me graduating from high school girls to the older women?" And He was persistent. The Lord just kept opening doors.Before we knew it, we really are one of the largest ministries that takes biblical truth to 8 to 12-year-old girls. And now we have boys—we just added them in the last few years—through live events, box subscriptions, Bible studies, online Bible studies, at-home Bible studies with mom. We want to put mom in the driver's seat. We believe that's what God's Word says—that mom and dad belong in the driver's seat of a child's moral development.Now we fast forward to this year. We live in a time and a day and age when the government and a lot of different political entities believe that parents aren't equipped to make moral decisions about their children. Well, we still believe they are.And now I understand why the Lord has put us in this critical position. One of the things we've done really well through the years is take whatever the difficult issues of the day are—when we started, that was AIDS—and we look at it through a biblical lens.Today, that biblical lens that we look through, we're looking at the issue mostly of gender and identity. And when you think about how do we talk to an 8-year-old about that biblically without robbing them of their innocence, and also just the depression and anxiety these kids are at the tip of the spear...Teens have long been at the tip of the spear, but the enemy has moved the line backward. And now it's those 8 to 12-year-olds that really are having to grapple with things that their little hearts and minds aren't ready for. But we know how to do that in a way that's safe and biblical and most importantly keeps mom and dad in the driver's seat.The Trends We're Seeing in Gender IdentityKerry: That is so good. And I know I'm on y'all's True Girl mailing list, and so they have things and I have downloaded a few things just to find out exactly what they are. I'm giving my daughter some of y'all's books as well. I think it's the Lies Young Girls Believe, something like that. I'm not quite sure what it was.But I do have to tell you, all of a sudden I have one more connection with you because I grew up with Child Evangelism Fellowship and I became a believer at a Good News Club. I started, went to their CEF training as a teenager, and then we did the five-day clubs in Houston. So I was like, oh wow, that's so interesting. Small world.Dannah: They are a fruitful ministry. Look at us—we're passing, we're the fruit, we're passing on fruit. We're the fruit of their fruit.Kerry: My parents, they're in their 70s and 80s, and a while back they would lead Good News Clubs in the public school for like five years. They're still going on with it and all. So I love it. It does work.So okay, so we are in a just a strange time. And if you had asked us 30 years ago, we'd be going, "No way, we wouldn't be dealing with these issues." So what kind of trends are you seeing right now when it comes to gender identity and sexuality?Dannah: Well, you know, I would say heterosexual is definitely not in style. And what we see is a lot of teens claiming to be pansexual, where they're just willing to erase anything that has a baseline of truth to it and embrace everything. Basically, is what pansexuality is.A lot of teens in terms of gender are saying they're non-binary. That's just what's in style right now. And you might say, "Well, but there really is a problem. There are some kids that definitely struggle with gender dysphoria."Absolutely, that's true. Historically, we've known for decades that children—a very, very small percentage of them—are born with things like Klinefelter syndrome, fragile X syndrome. These are syndromes like Down syndrome where there are chromosomal abnormalities in that child's body.And the parents and the physicians have to work together to decide, how are we going to raise this child? Most cases, they can take a blood test and they can determine this child is clearly male or clearly female. But we have some issues that we're going to have to deal with because of these syndromes.But in most cases, they can really figure out what's happening there. And so that's the good news. But I think it's an important thing for us that we have to be compassionate because for some people that you meet on the street that you're not quite sure—are they male or female?—that's not a choice. It was something that they were born with. That's very difficult and painful. So we have to be careful.But on the other end of the spectrum, what we're seeing right now is—well, let me explain it this way. In about the year 2011, there was a shift from transgenderism being predominantly a male problem to now, it is today predominantly female. You see more teenage females transitioning than males.So the intellectually honest sociologists will say, "What happened to make that really dramatic shift happen?"And I think probably the person that's been bravest about it is a woman named Abigail Shrier. She's a journalist, not a believer as far as I know, conservative though, and yet very intellectually honest. Some parents kept writing to her and saying, "We need somebody to research this."And she brought together some of the bravest sociologists, some of the bravest intellectually honest ones. And what they found was clusters of girls transitioning. So in other words, a school district or a school or a city was seeing a lot of girls transitioning, and there were pops of this all over the United States.Now if this were a more intellectually honest occurrence, you would have seen it happening more evenly over the culture. But that's not the case. What's happening is cluster contagion. And that's what we're calling it now, which basically is peer pressure causing girls to say, "I don't feel comfortable in my body."Now let me remind you, there aren't very many of us that felt super comfortable in our body in seventh grade. But we weren't having somebody sit there next to us and telling us that might be because you're not really a girl.So I guess what we're seeing is a lot of confusion. Majority of what we're seeing is mass confusion that we need to prepare our children for and that we need to speak into truthfully. But we can't forget the compassion because there's a sliver of people struggling right now where this really is a deeply painful thing and not something that they chose.Why This Topic Is Critical Right NowKerry: That is something. So I mean, to me it seems pretty obvious, but why do you think this topic is so important right now?Dannah: Well, it's—let me say, take that from two angles. One reason it's important is because your children are being lied to, and we need to speak truth into their hearts and into their minds. We have to put so much truth into them that there's not room for the world's lies.When they see or hear a counterfeit, they immediately know, "That's not what I learned from God's Word. That's not what I learned from my parents whom I trust to be true." And they come to you and they say, "Hey, I just heard this." And you help—might not know the answers, but you help them figure out.But here's why I think it's really important, and this is why it's been important since the beginning of time. In Genesis 1:26 and 27-28, in that chapter we see God saying that He's made us in His image. And then He could have listed almost anything about us that would have made us like Him—our language proficiency, our ability to compose sonnets, our creativity, the fact that we would figure out how to defy gravity and fly to the moon. All these things about us are so God-like. Our even our emotions—animals are emotive, but not to the degree that we are.And yet God says one thing: "In the image of God He created them, male and female He created them."Our maleness and our femaleness is a distinct part of representing the image of God on this lost world. That's why it matters more than anything. And that's what our children need to know more than anything.How Parents Can Communicate God's TruthKerry: That is so good. I mean, it really is. We need to—and I love what y'all do is always going back to the Bible, you know. And this is a Christian conference. There's plenty of things out there for parents, but we want to make sure we're always going back to the Bible.So what are some things that parents could do? Like you want them to—one of the things that I know I've heard you say many times, we need to speak truth to our soul, but first we have to teach our kids what the truth is. How can parents communicate God's truth in regards to gender and sexuality and identity?Dannah: Well, I obviously encourage them to get them in the Word and some of these key passages that talk about our bodies. And I basically have three key passages that I think our kids need to study about this. I write about them in It's Great to Be a Girl. My husband and one of his co-authors writes about them in It's Great to Be a Guy. That's for kids aged 8 to 12, somewhere in that range.First one is in the book of 1 Corinthians. It says that our bodies exist to glorify God. That the purpose of our body is to glorify God. You know, we get really sidetracked and we think our bodies are for us to feel good, for us to feel pleasure, for us to look good and be this just vision of beauty or handsomeness, whatever it is.Our bodies were created to glorify God. That's why they exist—to showcase Him, to give honor to Him. That's why we dress carefully and tastefully and modestly. That's why we use language that's becoming and careful. That's why we don't get into the dark.I'm always concerned when we get into really dark-looking countenance and clothings and styles because Jesus is light and He is love and He is joy, and we want our countenance to reflect that. But my body doesn't exist for Dannah. My body exists for God.Then the second thing is the one I just mentioned earlier: Genesis 1:26 and 27, that the purpose of my body—how I glorify God—is as a female or male image-bearer. Because glorifying Him—I like to say that the moon glorifies the sun, okay? The moon doesn't have any light of its own, but it reflects the light of the sun, and that's why we have a full moon. They're so beautiful.Well, in the same way, we have to look like God. That's what glorifying Him means. And Genesis 1:26-27 says we do that best in the defined roles, the binary roles of maleness and femaleness. So they matter. They're important.And then the other verse that I think is really important is in Romans 12:1 and 2. It says, "I beg you brothers, by the mercy of God, that you present your body as a living sacrifice."So when my body, which was created to glorify God, doesn't feel like glorifying God as a female image-bearer of God, it becomes a sacrifice to God because I choose to live sacrificially according to the purpose of my body as a female image-bearer.Now I don't know that those are the only passages that your children need to get into, but those are three of the big ones that they need to memorize, dissect, be familiar with, understand. And that's going to give them more than studying all the counterfeits. That's going to give them the fuel they need for the conversations that are going to come up in their lives at one point or another.Age-Appropriate Conversations About TruthKerry: That's so good. Because we don't know what's going to happen in 20 years, you know, and what things they're going to need to know.When you think about even these three passages or talking about truth at different ages, because you've talked about 8 to 12 and then we've got teenagers, would you approach them differently or do you have any suggestions about that?Dannah: Well, with teens, of course, I'm going to be a lot more forthright. Although more and more—we just had a mom communicate with us that her child is attending a private school, not a Christian school but a private school. And just this year, the daughter came home and said, "Hey, we have Teacher X teaching at our school." And I'm not going to say the name. And it's not Mr. X or Mrs. X, it's Teacher X.And of course this mom said, "Well, do you know if Teacher X is male or female?" And she kind of said, "Well, this is what I think, but that's probably—they're trying not to look that way." So there's obviously some gender confusion there.What was really interesting is that when they have a student teacher, this parent had previously gotten a letter that said, "This is the teacher, this is what you need to know about them, I want to introduce them to you, they'll be starting on this date, they'll be ending on this date." In this case, that didn't happen.So that child is in about fifth grade. So we're not—and I've heard in my own school district of kindergarteners who are being told, "You get to pick your pronoun in my class. Maybe you weren't allowed that opportunity at home, but in my class you get to choose what you are, who you are."And so more and more we are having to have more of a conversation that we want, especially if we've chosen for our children not to be homeschooled or not to be in a space where their teaching is governed by truth. And that's not you, but it may be your friends, and it may be someone you're conversing with or having coffee with, you know, needs to know—hey, some crazy stuff is happening in some of these schools.And they don't believe it until it hits them. And then that's how this mom was. She's like, "I heard about it in California and I heard about it in this state and that state, but my state?" Yes, your state.So I think it's really important that we let them drive the questions though. So at high school we maybe are being, you know, we're talking about transgenderism, we're talking about all the different language that is used—the LGBTQ+, non-binary, binary, pansexuality.Mom, dad, you got to do some vocabulary work on this one. You've got to know the words, and that's going to help build your credibility. If you have a child who has been exposed, if you don't know a word, just say, "I'm not really sure what pansexuality is. Let's look it up and learn together, and then we're going to go to God's Word and figure out what He says about it."But when you're under, I would say 12 years old, I would just stick to God's truth. And what you're going to find, and what we have found as we have taken moms and daughters through It's Great to Be a Girl online Bible study or It's Great to Be a Guy online Bible study, is that studying it in the Bible and having mom and dad sitting there talking with you about it brings up the questions.They'll say, "I heard that so-and-so down the street has two dads," or "I heard that this friend at church has a brother who's becoming a sister." And you have the opportunity then to talk to them about that stuff.But I really like to let them drive that rather than us introducing things. And there's such a fine line there. And what I want to say is we don't—we have to be very careful about being afraid of the topic of sex because God isn't. He's not afraid of the topic, and we don't need to be afraid of it.But there are developmental phases where our children are more ready for some of these things than others. And if you can delay some of these conversations until they are developmentally ready, I think that's wise.The Importance of Reclaiming Biblical SexualityKerry: I think that's really good. And I appreciate you saying that we need to talk to them about sexuality more than just what sex is or how do we have kids, that type of thing. Because I know I heard on one of y'all's podcasts, you know, if we don't reclaim the sexuality and what's going on, the world is going to take over, which is what it's doing. And the church really does need to understand it. And if moms and dads don't, they need to do some research and stuff.Dannah: Well, and Ephesians 5:31 and 32 says, "For this reason a man will leave his father and mother and be united to his wife, and the two will become one flesh." And then it's almost like the Apostle Paul has ADHD or something. Because it's like he changes the subject. He says, "I'm really talking about Christ and the church."And this verse probably more than any other in Scripture tells us that marriage is meant to be a picture of the love Christ has for His bride, the church. But you can see that taught from Genesis to Revelation. It's a very important picture in the body of Christ.And if we do not wake up to really protect and defend that picture, we're going to wake up one day to see the gospel completely marginalized—not just marriage, but the gospel.And I guess my question for all of us is: if sex and marriage really does represent the love of Christ, the gospel, how motivated is Satan to see that picture destroyed in our lives, in the lives of our children? We have to be vigilant. We have to be informed. And we have to be so full of grace for those moments when we mess up or our kids mess up.Navigating With Grace and CompassionKerry: Yeah. And I think you just said that—I was coughing—grace and patience. Because you're talking about having compassion for these people that are really dealing with issues. And I think sometimes the church gets so, "Oh my goodness, look at them, they have children that are homosexuals or whatever."And yet we—I mean, no, we don't tolerate—I mean there's a blend between tolerating, but we also need to show grace at times because the compassion of God is what draws people back. The kindness and stuff. Would you have anything to say about sort of where you draw the line? And not that we want to judge people, but we do want to come alongside.So we've got moms here that want to help with their kids, but then they may have people in their family or in their church or something. What are maybe some practical things that they could do to handle these situations?Dannah: Well, some practical things are teaching our kids grace. Teaching them a gracious response.Bob and I, my husband and I, discipled a young man for many years who is non-binary now. Young adult man. And we still will have lunch with him. He doesn't live locally, but when he's coming through, he still wants to visit with us and talk with us.I got a birthday text from him that said, "You're like my second mom," because we have blessed him with our love and our presence, which is genuine. It's not fake. We adore him. He is easy to talk to, intelligent. We had so many high hopes for how he would—and still do—influence people for Christ.But we do not—we accept, but we do not affirm. We accept, but we do not affirm.So he knows—one of the last big conversations we had about his journey into homosexuality and a non-binary lifestyle was very pointed where my husband said, "I believe you've been set apart, and I believe that you have different desires, and that you have to obey the Lord with Romans 12:1 and 2. You need to sacrifice your desires for the purpose of your body glorifying Christ."And it was a very pointed conversation. And we haven't talked about that since then, but he knows where we stand.So we're honest, you know. One of the things that's really a challenge right now is the question of pronouns, right? Do we use the pronouns or do we not use the pronouns?And with this individual, I avoid using pronouns because the pronouns he wants are "they" and "them." I will not do that because God's Word commands me not to lie, and it's not truthful. However, I'm not going to rub salt in a wound of all the struggles that he's walking through.So I do my best to navigate through just not using either his new name that he wants or the pronouns. He knows that's what I'm doing.I know another woman who—she did transition for nine years. She had her breasts cut off, she had hormones, she was bearded, she was talking like a guy, she lived as Jake for nine years. Her name was Laura.Her mom stayed on her knees, stayed in a prodigal prayer group. And when it came to the name—she wanted to be called Jake—her mom said, "I can't call you that, but I know it's going to offend you. Can I call you honey? I'll do that."And it was a compromise they made together. So you see, accepting but not affirming is a really important line we have to make.Because this is the question that Rosaria Butterfield asked in a recent book that she's written. I believe the title is Five Lies of Our Post-Christian Culture. But she says, "Is your church, is your home, is your family a safe place for someone to repent of their sin of homosexuality or gender—" I'm not going to call it confusion, but rebellion. Okay?Because gender confusion, I would say, is probably going back to some of those syndromes I'm talking about, right? You're going to feel some confusion when you're not quite sure how your body is showing up, right?But gender rebellion, I would say, is what my friend Laura went through. She knew she was a girl, but she wanted to stick it to her mom and stick it to God. And she did for nine years. And then the Lord got a hold of her heart.But partly, I think the Lord got a hold of her heart because her mom never accepted Jake, never accepted the lie, never used the pronouns. And yet she still loved and accepted the child.Kerry: Fine line.Dannah: So good.The Reality of Dealing With These IssuesKerry: Yeah, we've got to love. And I, for one, I mean, these aren't just teenagers. You know, I had friends whose kids have transitioned, and the parents, the mom and the dad don't even agree on the pronoun issue, you know. And that's a really hard thing.What I really like about what you just said is she communicated with her daughter and they talked about it instead of just doing this and then, you know, that child getting angry and then blocking them out of your life kind of thing. And so communication just seems to be vital as well, even if they're going down that path.Dannah: Yeah, so communication before and after is key. And it's not easy. It's hard. And there'll be tears on both sides and disagreements. But you want to walk through it in such a way that you maintain a place where they know what the truth is and they know where to come when they finally do understand what the truth is.Kerry: Yeah, I always tell—because I host a prodigal prayer group too—and the two things I'm always like, we can always love and we can always pray. You know, we cannot change them, but we can pray and we can never give up. You know, God's not giving up on us, so we shouldn't be giving up on our kids or other family.Dannah: Yeah. And you know, when it comes to praying, I find that people that I love that aren't walking with the Lord—they might be offended if I start asking them, "Who do you think Jesus is?" But they're never offended when I say, "How can I pray for you?"They might define it differently, but it keeps that door open of them knowing, "I care about your spirit. I care about your spiritual life. I care about you." They know that praying is important to me.And when I just say, "How can I pray for you?" their hearts often just flood open with things that they want prayer for.How Did We Get Here?Kerry: That's a really good point too. Okay, let's—how have we talked about all this? How do we get where we are today? Because, you know, like we said, 30 years ago we would have never thought—yeah, you know, there was homosexuality back then, but that was pretty much it. How do we get here?Dannah: Oh, I think that it's how we got here is, you know, we were an Augustinian worldview. The United States of America had this worldview that was predominantly established by Augustine, St. Augustine of Hippo. He believed that love was the highest good in humanity and that that love should be reflective of the truth of the Bible.And that really was the worldview of our culture. And that meant that there was one man and one woman marriage.And then when it really started to break down, honestly, was Freud, who felt that the highest good was sex. He thought that that was the highest need in a human body. And so the conversation started to change as Freud, who did bring us some decent diagnostic tools in terms of understanding and being more aware of our emotions and our mental health—but psychology doesn't do anything, really, if you look at the stats of recovery from psychological methods. Hardly anything outside of Jesus.I mean, single-digit recovery. In my mind, if I'm having some mental health problems, I don't want to go to a place that can give me a single-digit percentage chance of getting better.But then enter Alfred Kinsey. Alfred Kinsey came into the scene, and he was a very unwell man emotionally and mentally. And so he was really excited about the things that Freud taught and believed that he could prove that not only was his theory correct—that our highest need was sex—but that most of the sexual things that these prudish Americans thought were, quote-unquote, sinful were actually very normal behavior. Things like homosexuality and even pedophilia.And he said, "I'm going to prove that those are okay." So he did the Human Sexuality Volume 1 and Volume 2 reports. And his research was really horrific. He hired pedophiles who had been jailed for pedophilia to conduct experiments on children.And it was really child sexual abuse that was recorded in those volumes. But nobody talked about that. Nobody said who did the research and how did you get it done. At that time, it just became the playbook for the sexual revolution of the '60s.But they said, "Look, look, we do want sex. We do need sex." And then the sexual revolution—during that time, a virgin in college named Hugh Hefner read those volumes that Kinsey wrote and said—and this is a quote—"I'm going to be Kinsey's pamphleteer."And as you know, then he went on to create his pamphlet, which was Playboy, normalizing objectifying women. I'm not going to call it anything other than what it is.And so it was this—it was a lie we all wanted to believe. Not me, not you, but the culture wanted to believe because it justified their sin and their desires instead of controlling them. They could justify those sins and desires.And I think when we had about a 30-year climb to making gay marriage legal, but that was kind of a floodgate moment. You know, I feel like from the night that the White House was covered in rainbow colors until today, it's just been a floodgate of Sodom and Gomorrah-esque sin.And whereas it was this slow, steady climb for decades, now it's just a playground.Signs of Hope and BacklashDannah: Now, I am thankful that we're seeing some—I guess what I would call backlash against some of this. In Canada, this year—last year, rather—we saw the first case where a patient who underwent transgender gender reassignment surgery is suing the physician for what happened to her body.Because she said, "I came to you with a mental health problem, and when I was very mentally unwell, you told me the solution was to cut up my body." And she's suing that doctor.Tavistock, which is a gender assignment clinic in the UK, has been shut down because so many of the doctors and nurses are saying, "You only saw these patients two or three times before you let them self-diagnose that they were gender-confused and began treating them." And the doctors and nurses said, "That's not okay. We didn't adequately find out if they really did have gender dysphoria. We're just letting them self-assign."And that's still happening in the United States. But because Canada and the UK are ahead of us, I'm encouraged that we're going to start to see backlash very soon.So don't stop using the correct pronouns. Don't stop calling girls "she" and "her," and don't stop calling boys "him" and "his." Like, we are not crazy. We just feel crazy because the conversation happening in our culture is a little mad.But we are going to start to see a backlash in the next five to 10 years.Kerry: It sounds depressing, but it is encouraging.Dannah: And our hope is in Jesus, who we know can—always, just like I didn't think the education system could ever get fixed, and then COVID hit. And I was like, "Oh my goodness, look, God can do something when it looks like everything's falling apart."He can do the same thing with the gender and sexuality issues. And—excuse me—and even our hope isn't even in this world. I just have to say that. Like, more and more, as it gets crazier and crazier, it makes me hungrier for heaven and the new heaven and earth that we will know after Jesus' return.And for anybody, you know, who maybe you're listening to this and you're the one that cut up your body, you allowed that to happen—you know, when Jesus returns, the new heaven and the new earth, He's going to perfect you and receive you as He created you and fix everything that this world can't fix. And there is such hope in that.Kerry: That is so good. Thank you so much. And yes, He can. And He redeems ashes to beauty all the time. So amen.So I know y'all have some resources that I think would be helpful. Could you share a little bit about that?Resources to Help FamiliesDannah: Sure. Well, I mentioned It's Great to Be a Girl and It's Great to Be a Guy. Those are two books that we take parents and kids through an online study on, but you could do it at home. You can do it as part of a homeschool curriculum.Another book that I have is Lies Girls Believe and A Mom's Guide to Lies Girls Believe. Those go together because I think this extends beyond gender. It's a battle for truth.And the interesting thing about truth is that we know Jesus said, "I am the way, the truth, and the life." He was truth. So this whole conversation is an assault on Him.And so that book, and Lies Young Women Believe, introduced teen girls and tween girls to really studying: What is truth? What does it mean? And how do I figure out when I'm believing a lie? And what God's Word says about it, and what is true?So I would say those are really important books. We're working on Lies Young Men Believe, but we also—my friend Aaron Davis just wrote Lies Boys Believe. So good tools.We've had lots of friends tell us they've used them as homeschool curriculum. And I would love to see you explore them. They are great. They really are.Kerry: I have—well, I've done Lies Women Believe. And then I will say, too, for those of you—this probably doesn't pertain to a lot of you—but they have them in Spanish. I used to work in El Salvador and go down there once a month and work with a school down there. And we started with Lies Women Believe, but they had a teen girl Bible study, so then they did the Lies Young Women Believe.I don't know if they've done the girl, but when I was looking at your site, I was like, "Oh, they have Spanish books too." So if y'all are in another country, just know that there are resources for you there as well.Dannah: So wonderful.Closing EncouragementKerry: Well, as we close, is there anything you would like to say just in closing?Dannah: Just I think it's so important right now that we are just so deeply in love with Jesus. It's one thing to know all these things in our head, right? But until it gets here...The reason we have prodigals prodigalizing and the reason we have deconstructors deconstructing is because there was a lot here, but we didn't quite maybe get it here. And so what I'm learning is that I can't push it here in the kids I'm teaching, but I can do what I need to do to sit at the feet of Jesus and minister to Him in worship, in prayer, and opening the Word.I don't want to just know the facts of what I read in my Bible this morning. I want to know that I had an encounter with Jesus.So my prayer for you is not just that you would know the facts about all these hard conversations that we're having to have right now, but that more than anything else, you would be so in love with Jesus that your heart beats to reflect His image.And so I pray that for you, and I pray that for your children too.Kerry: Oh, thank you so much. I really appreciate it. Thanks for just taking a little time out of your day to be with us. I really appreciate it.Dannah: Oh, it was so good to be here, Kerry. Thank you. God bless you. I pray that you're so blessed by this conference.Kerry: Very good. Well, I am Kerry Beck with Life Skills Leadership Summit. We'll talk to you next time.

It is the NFL's version of an all-star game.The Pro Bowl, played every year the weekend before the Super Bowl, has become a glorified flag football game. But for decades the NFC and AFC would come together and play in a game that was sometimes as hard hitting as a postseason game with nothing more than just bragging rights on the line. Using the format of a Pro Bowl game, podcast hosts Dana Auguster and Charles Combs select players they view as the best players by position during their lifetimes. Dana Auguster will pick the best players from the AFC while Charles Combs select his favorite stars from the NFC. Don't forget to like and subscribe to the show and you could contact the show at Historically.Speaking.Sports@gmail.com.

The word “confessional” might bring several things to mind. Perhaps you went to a confessional booth, or you grew up in a denomination that had "no creed but the Bible." But to be known as a historically confessional church means we believe, confess, and practice the historic faith passed down from the apostles and the church fathers, joining the global church in proclaiming Christ as Lord.Ultimately, we are not confessing abstract ideas; we are confessing a person. This is why if we are going to be known as a historically confessional people, we must hold on to and guard the unchanging gospel, because through it God is holding on to and guarding us.

A historically powerful and unique New Moon offers once-in-a-lifetime power in the second half of January. Other major events include Neptune entering Aries to stay, Saturn sextile Uranus, and Mars conjunct Pluto! Plus, I announce January's free session winner. Resources My relationship post. Law of Attraction. The Archetypal Universe by Renn Butler To learn why I interpret fast mover events as a group, instead of discussing each aspect separately, click here. Deep Dive Trauma Healing. Your potent opportunity for profound personal transformation. An intensive multi-day experience, online or in person. My Amazon #1 bestseller: Instant Divine Assistance: Your Complete Guide to Fast and Easy Spiritual Awakening, Healing, and More. Available as an eBook, paperback, hardcover, and audiobook starting at $3.99, and included with Kindle Unlimited.  Learn my invocations for healing and awakening in my FREE life-transforming video: Instant Divine Assistance: Your Free Guide to Fast and Easy Awakening, Healing, and More. Let my Awakening Plus membership help you awaken, heal, connect, and thrive! "This Week in Astrology" Free Session Entry. (2 chances each month to win a free session with me!) My forecasts in writing. My services: Astrology+, Energy Healing & Spiritual Guidance, life coaching, Deep Dive Trauma Healing, and more. Watch the January 16-31 forecast video. Segment start times: 1:12 - Historically potent Capricorn New Moon! (1/18) 17:56 - Saturn sextile Neptune (1/20) 22:06 - Neptune Enters Aries to Stay (1/26) 26:20 - Mars Conjunct Pluto (1/28) 29:26 - 2 Major Asteroid Goddess Aspects (1/17) 30:50 - Coming Feb 1-15 More details about specific aspects, aspect patterns, and sign changes: Mercury Venus Sun Mars Chronological Event Listing As of January 16 … The Moon is waning. Uranus is retrograde thru 2/3. Jupiter is retrograde thru 3/10. The Uranus-Neptune-Pluto Mini Grand Trine (w/ Saturn for now) continues thru 9/6/2029. Whatever your Sun Sign, my forecasts can help you make the best use of the current astrological energies. All dates and times are in the U.S. eastern time zone. Events are most powerful on the dates listed, but their influence will be active for at least a week before and after. Everyone is affected by these global transits. However, you'll be most powerfully impacted when moving planets activate sensitive points in your natal chart. Discover how these transits will personally affect you by booking a session with me. May the stars light your way, Benjamin

Send us a textWhat if every word you speak travels in two directions—out to people and up before God? That simple insight reframes courage, accountability, and the way we draw lines around reverence in our daily lives. We pull apart the easy myth that “it's just words” and show how speech forms culture on the jobsite, in our homes, online, and in the quiet places of the heart.We get honest about boundaries, sharing why we correct God's name used as a curse and how to do it without becoming combative. From construction crews to family gatherings, you teach people how to speak around you, and that choice becomes witness. We talk about listening for the Spirit's tug, dropping the Moses-style excuses, and matching tone to person: gentle for some, thunder for others, patience for many. The goal isn't noise—Job's friends had plenty of that—but biblical precision. Clean words flow from a clean heart, and the church's credibility begins with its mouth.We also chart how modern faith got soft: sentimental spirituality, entertainment-first worship, and escapist readings that sidestep hard texts and harder duties. Historically, believers were feared for their prayers and respected for their learning; today, the world is often bolder in irreverence than we are in holy fear. We press into what it means to bear Christ's name without vanity—more than avoiding profanity, it's living fruitfully under His authority. For creatives and professionals alike, we explore how to use gifts without compromise, crafting work shaped by truth and love rather than applause.If you've felt the nudge to speak but hesitated, consider this your invitation to change tonight. Subscribe, share this with someone who needs courage, and leave a review with one line you're committing to guard this week.Support the showBE PROVOKED AND BE PERSUADED!

Historically, the book of Revelation has led to some people to some pretty sketchy interpretations and conclusions. But what does it really say to us? How are we to approach this important book and read it correctly? As we enter into a new sermon series walking through the book of Revelation, John sits down with Pastor Eric and Pastor Dave to address this question. Here is part one of a two part episode on how to read the book of Revelation.

Historically, OBX winter months have meant cold and closed, but not anymore! In this episode, we take a look at some upcoming events that are HOT and WIDE OPEN for you to be a part of. You can see everything mentioned in this podcast here: outerbanksthisweek.com/eventsOuter Banks This Week Podcast Presented by:Kelly's AutomotivePowered by:Outer Banks Pest ControlSponsored by:Outer Banks Pest ControlPassion & Prohibition, A Valentine's Speakeasy

Premise In this podcast episode, we host India's biggest and best Executive Coach Shital Kakkar Mehra. She has trained more than 1000 CxO's and more than 40000 leaders about how to develop their executive presence. We talk about how the we lead and what is expected from us shifts as we continue to grow in our careers and what makes us successful early in our career is no longer enough when we become managers (managing people) and it changes again, when we start leading managers and agains shifts when we start leading functions and organisations. Apart from all the technical skills and the ability to make decisions and lead their team, we all also need what is called "Executive Presence". Let's figure out what it is and how can one go about developing it within ourselves. Lessons from the Conversation 1. The Invisible Ceiling In the high-stakes world of executive leadership, the ascent to the top is frequently compared to climbing Mount Everest. Reaching the "Base Camp" of your career requires physical stamina, technical aptitude, and raw motivation. However, as any seasoned strategist will tell you, the skills required to reach Base Camp are fundamentally insufficient for the final push to the Summit. To reach the peak—the C-suite—leaders must pivot from reliance on technical expertise to the mastery of "Executive Presence." This is the intangible "X-Factor" that distinguishes a high-performing manager from a true leader. Without it, even the most brilliant minds hit an invisible ceiling, possessing the data but lacking the gravitas to influence the board. 2. The "Hygiene Factor" Fallacy At senior levels, technical brilliance and intellectual capability are no longer competitive advantages; they are "hygiene factors." Much like basic cleanliness in a hospital, these traits are expected baseline requirements. They provide the foundation, but "presence" provides the leverage. To diagnose where a leader's impact is stalling, we utilize the POISE formula. This framework treats leadership as an iceberg: while 90% of your value (technicality) lies beneath the surface, the 10% that is visible (physicality) is what dictates whether others are willing to dive deeper. P – Physical Presence: The visual semiotics of leadership. Packaging and body language serve as the primary point of visibility, signaling readiness and authority. O – Online Presence: Your digital equity. This encompasses how you project authority on screen, in digital communications, and across professional social networks. I – Influencer Skills: The bedrock of executive maturity. This involves the strategic ability to say "no," the discernment to listen, and the emotional intelligence to navigate complex stakeholder landscapes. S – Stage Presence: The "General's Skill." Historically, battles were won not just by army size, but by a leader's ability to communicate a vision that galvanized the ranks. E – Engagement Presence: Relationship capital. The intentional building of networks within and outside the organization to ensure visibility, which remains the primary driver of opportunity. 3. The 33% Impact Tax: Why Your "Camera Off" Policy is Killing Your Career In the post-pandemic landscape, leadership impact is governed by the Triple V Formula: Visual: How you look and the environment you project. Verbal: The specific vocabulary and syntax you employ. Vocal: The modulation and delivery of your voice. If you choose to keep your camera off during virtual engagements, you are effectively paying a 33% tax on your potential impact. In a remote environment, your face is your most mobile and expressive tool for building trust. Showing up "camera ready" is a signal of professional respect and interpersonal equity. "I'm not Fox Studios. I'm not calling you to launch your Hollywood career… just switch on the camera so that we can build a good working relationship... when you look like you're ready for business, it says, 'Of course, I respect you and I'm serious about my work.'" Shital Kakkar Mehra 4. The 30-Second Rule: Why Preparation Trumps "Winging It" There is a persistent myth in corporate circles that executive presence is impromptu and that either you have it or you dont. In reality, the most seamless presence is the result of rigorous preparation - Pre-meeting Research. A leader's success in a high-stakes meeting is determined in the first 30 seconds. If you establish context and confidence immediately, the remaining 29 minutes and 30 seconds flow with ease. To achieve this, adopt the "Newspaper Headline" approach: speak in punchy, high-impact bullet points first, then deep-dive into the details only when you have secured the audience's interest. True "impromptu" excellence is a performance. Much like professional comedy, which relies on hours of perfecting timing and scripts, executive presence is the result of anticipating tangents and preparing intelligent questions before the first word is spoken. 5. Death by PPT vs. The Performance of Leadership Traditional "Death by PPT" is a symptom of a leader who has failed to transition from a Subject Matter Expert to a Performer. Slides should be reserved for visual evidence—graphs, photos, or videos—never as a teleprompter. Once you take the stage, you are a performer charged with managing the energy of the room. The most critical, yet often neglected, tool in this performance is voice modulation: Volume: Use loudness for emphasis, but remember that a whisper can often draw an audience in more effectively. Pitch: Varying your high and low notes prevents the "monotone fatigue" that causes audiences to disengage. Tone: In both professional and personal spheres, tone is the primary driver of conflict. Just as a large percentage of marital disputes are caused by how something was said rather than what was said, a leader's tone can either build a bridge or incite a defensive response. 6. The Evolution of the Alpha: From Autocrat to Cultural Steward The "Alpha" leader of the early 2000s—the autocratic command-and-control figure—is obsolete. Modern leadership requires a significant mindset shift, particularly for leaders in their 40s and 50s who were trained in a different era. Today's workplace often spans five distinct generations, each with varying expectations regarding mental health, empathy, and mutual respect. The role of the leader has evolved from being the primary source of value to being the "Guard" or Cultural Steward or a Facilitator for the flow of information and decision making. Your job is to ensure the team is cared for and the environment is psychologically safe so that they can deliver the value. Empathy is no longer a "soft skill"; it is a core requirement for retention and performance in a multi-generational landscape. 7. The "Silent" Skill: Mastering the Power of the Pause The ultimate hallmark of executive maturity is the ability to stop talking. It is a profound linguistic coincidence that the words "Listen" and "Silent" are composed of the exact same letters. The "Power of the Pause" allows for perspective. It gives your audience time to process your "newspaper headlines" and gives you the space to buy time and breathe. This intentionality is what transforms a person into a brand. Every leader must recognize that they are the CEO of their own personal brand, and every brand requires strategic investment, promotion, and consistent visibility to remain relevant. Reflection and the pause lead to intentionality. Are you currently content remaining at the Base Camp, or are you ready to begin the specialized training required for the Summit? In Conclusion In conclusion, I would say that every stage of the leadership ladder (individual contributor, managing people, managing managers, managing functions and managing organisations) each require new skills to be learnt, in addition to what we have already mastered at the existing level. One that that becomes even more critical is our ability to show up and be seen, heard and trusted by the teams that we lead. Building a strong executive presence goes a long way in achieving this. You can watch the entire conversation on YouTube here. https://youtu.be/-rW0SgP9LxU

Download the planning PDF here! This episode is an invitation to rethink what January is actually for. If you've felt pressure to reinvent your entire life on January 1st (or swung the other direction and rejected January altogether) this conversation lives in the middle. Blake makes the case that January isn't meant for revamps or visible productivity. Historically and biologically, it's a hinge month: a season for taking stock, repair, learning, and quiet preparation. For most of human history, the "new year" was tied to nature and spring, not politics or calendars. That's why the urgency of January often feels off in our bodies and nervous systems. In this episode, Blake walks through what our agrarian ancestors actually did in winter and how it applies to modern life: Taking honest inventory of time, energy, relationships, finances, and faith Creating margin and reducing overstimulation Repairing what's worn down before starting something new Letting learning, wisdom, and integration settle Setting intentions, not rigid resolutions Rather than goals and hustle, Blake shares her approach to choosing words, Scripture, posture, and direction for the year ahead, held with open hands. Her word for 2026 is Rooted Hope, grounded in Psalm 1 and a desire for steadiness, healing, and deep faith after a hard year. January matters. Not as a restart, but as a foundation. This episode is about going slow, growing deep, and preparing for what's coming without forcing it.. Sponsor: CrowdHealth Tired of paying for insurance you can't use? CrowdHealth is a healthcare alternative built on transparency and community. Pay a monthly fee, access bill negotiators, lower-cost prescriptions, vetted doctors, and when something big happens, you pay the first $500—then the crowd helps cover the rest. ✨ Get started for $99 for your first 3 months with code SPEAKEASY at joincrowdhealth.com (CrowdHealth is not insurance.)

Laurence & Carmen break down the outstanding rookie class of the Chicago Bears

The week began with a borderline farcical incident in Greenland, where organizers of a traditional dog sled race condemned what they viewed as inappropriate political pressure after an invitation was extended to a U.S. political figure linked to Donald Trump's ambitions toward the island. The Trump administration has clearly dialed back its more provocative rhetoric on Greenland, moving away from loose talk of force and toward a framing rooted in NATO security and Arctic competition with China and Russia. That shift is necessary, but it is not sufficient.If the United States wants Greenland aligned with its sphere of influence, cultural buy in matters. Right now, we are losing that battle. From my admittedly tongue in cheek but sincere proposals involving sports exchanges, Arctic games with Alaska, and even Hollywood soft power, the point remains serious. You cannot strong arm affinity. You have to earn it. Greenland's resistance to even symbolic American political presence should be a warning sign, not a punchline.Politics Politics Politics is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.Iran, Unrest, and Trump's Misdirection DoctrineIran is far harder to read. The internet blackout, scattered video, and wildly varying casualty estimates make certainty impossible. I do not trust low numbers, nor do I trust high numbers. I do not trust most of the footage. Historically, when Iran shuts off the internet, it precedes violent crackdowns, so it would not surprise me if protesters are being killed. But the fog is thick, and anyone claiming clarity is overselling it.What does feel clearer is the Trump administration's evolving playbook on foreign intervention. We have now seen a pattern where public messaging intentionally misleads the press ahead of decisive action. It happened before strikes on Iranian nuclear facilities. It happened with Venezuela. Loud uncertainty followed by sudden execution. With Trump publicly encouraging Iranian protesters while factions inside his administration urge restraint, the real question is not whether something happens, but what form it takes. Cyber operations, targeted strikes, covert assistance, or none of the above. The only safe assumption is that the public story may be the opposite of the private plan.Venezuela, Powell, and the Cost of Weaponized InstitutionsVenezuela remains the clearest example of this strategy in action. The removal of Nicolás Maduro and his arrival in New York did not follow months of public drumbeats. It followed confusion. That pattern now shadows Iran as well. But the episode did not stay overseas. It came home with the Justice Department's move against Federal Reserve Chair Jerome Powell.The subpoena and threatened indictment over cost overruns at Fed headquarters are politically radioactive. Even Republicans who agree the renovation was excessive argue this never should have been criminal. Scott Bessent's reported anger reflects a broader concern inside the administration. Undermining the Fed's independence while simultaneously pressuring it to cut rates is self defeating. Inflation data this week was not disastrous. Absent this DOJ fight, the headline might have been cautious optimism about future cuts. Instead, the story became institutional overreach and internal dysfunction.Chapters00:00:00 - Intro00:04:15 - Greenland00:17:16 - Update00:18:05 - Iran00:24:51 - Jerome Powell00:29:25 - Inflation00:31:36 - Interview with Al Brushwood01:06:21 - Wrap-up This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.politicspoliticspolitics.com/subscribe

Torres rips through the biggest stories in college sports! Texas puts together a HISTORICALLY expensive roster - is it natty or bust in Austin? Plus, Ty Simpson may be headed to the portal after all, a star leaves Deion Sanders and Colorado. Plus, is the No. 1 high school basketball player in America ready to commit? Texas' WILDLY expensive roster (): Torres opens by discussing a report that Texas roster is hitting CRAZY high numbers - is it natty or bust in Austin? And what happens to Sark if they don't win it all next year? Ty Simpson latest (19:00): Last week Alabama QB Ty Simpson declared for the draft - but that hasn't stopped a BUNCH of big-name schools from trying to convince him to transfer. Will he enter the portal? And where will he land? A Colorado star turns his back on Deion Sanders (31:00): Finally, Torres reacts to news of former five-star Jordan Seaton entering the portal - did he turn his BACK on Coach Prime?! Circa is the OFFICIAL hotel and gaming partner of the Aaron Torres Podcast: Check out their NEW sportsbook in Franklin, Kentucky or visit their Las Vegas property! Want to watch your favorite college football team or get tickets to ANY big game - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠at SeatGeek you can use code "TORRES" and get $20 off your first purchase! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Also, thank you to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caulipuffs, the healthy, yet delicious snack⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ that is taking over your grocery isle! For more details - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit CauliPuffs.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Prince: Solving problems by identifying pain points and creating solutions.The entertainment industry is evolving, and CineBlock Films is at the forefront of this transformation. The platform, created by Prince Ace, is democratizing access to entertainment investments, allowing everyday people to invest in films, video games, and other media projects. By leveraging regulation crowdfunding, CineBlock Films empowers independent creators to raise capital directly from the crowd.“This is a marketplace that we created to allow everyday retail investors to be able to invest in entertainment media from the ground up or at distribution at any stage of the production process,” Prince explained. “This allows you to be a part of it, a meaningful part of the process, and invest in what you watch.”In today's episode, Prince shared how CineBlock Films is designed to remove traditional barriers in the entertainment industry. Historically, financing for films and media projects was often reserved for wealthy individuals or institutions, leaving independent creators struggling to secure funding. Prince emphasized that crowdfunding not only levels the playing field but also creates opportunities for creators to maintain autonomy and ownership of their work.“Instead of having one person give me a million dollars, I'd rather have 1,000 people give me $1,000,” Prince said. “Now I have 1,000 people that are an army, that are fans, that are engaged, that are going to champion this project and market it to all their social networks.”Prince Ace, Founder of CineBlock Films, will be speaking at SuperGreen Live, sharing insights on democratizing investment in films, media, and the creator economy through fintech innovation—register now at SuperGreenLive.orgWith CineBlock Films, investors can back projects that align with their values and interests. Whether it's an AI-driven feature film, a documentary about climate change, or a multicultural musical drama, CineBlock Films enables everyday investors to participate in the creative process. The platform's inaugural offering, an AI-produced film called Awake, is already generating excitement.CineBlock Films is more than a crowdfunding platform—it's a movement. By giving retail investors the chance to support creative projects, Prince is reshaping the entertainment landscape. As he put it, “This allows them to now have autonomy and agency in their creative process, as well as in their returns.”If you've ever dreamed of being part of the next big blockbuster or an impactful indie film, CineBlock Films offers a unique opportunity to invest in entertainment and make a difference.tl;dr:CineBlock Films democratizes entertainment investments, allowing retail investors to support films and media projects.Prince Ace explains how crowdfunding empowers independent creators to retain ownership and creative control.New offerings on CineBlock Films include an AI-produced feature film and impactful documentaries.Prince's superpower is problem solving, which he uses to overcome challenges and create innovations.Prince encourages identifying pain points, iterating on solutions, and seeking feedback to solve problems.How to Develop Problem Solving As a SuperpowerPrince Ace describes his superpower as solving problems by identifying pain points and creating solutions. “When people have a problem, [I focus on] finding those pain points and [creating] a solution for that,” he explained. Prince shared that his approach involves iterating on ideas, going back to fundamentals, and being open to feedback.Prince shared how he faced challenges in financing an independent film. Frustrated by the traditional “dog and pony show” of pitching to wealthy investors, he envisioned a solution: a crowdfunding platform for entertainment projects. By writing a white paper, seeking feedback, and assembling a talented team, Prince turned his vision into reality. The result was CineBlock Films, a platform that empowers creators and retail investors alike.Tips for Developing Problem-Solving Skills:Identify pain points and write them down to clarify the problem.Use a structured, iterative process to brainstorm solutions.Return to fundamentals when blocked to find a clear path forward.Seek feedback from others to gain new perspectives and refine ideas.Embrace pivots and remain open to alternative approaches.By following Prince's example and advice, you can make problem solving a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfilePrince Ace (he/him):Founder, CineBlock FilmsAbout CineBlock Films: A marketplace for investable media security offerings. Everyday investors, fans, and audiences in the US can legally fund or invest in films, tv shows, video games, studios, and more. Invest in what you watch.Website: cineblockfilms.comBiographical Information: A industry disruptor with a passion for entertainment media and financial technology. He is a former portfolio and finance manager, an indie film producer, a promoter, and creator of the CineBlock platform. As an early investor and contributor to the ai and web3 movement, Prince has been on the pioneering side of fintech, AI, and the creator economy.LinkedIn Profile: linkedin.com/in/princeaceSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include Crowdfunding Made Simple. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Green, Envirosult | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.SuperCrowdHour, January 21, 2026, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on “From $10 to Impact: How Anyone Can Become an Impact Investor.” Drawing on his experience as an investment banker, impact investor, and community-building leader, Devin will explain how everyday people can start investing small amounts to support mission-driven companies while pursuing financial returns. In this session, he'll break down the basics of regulated investment crowdfunding, show how impact and profit can align, and share practical steps for identifying opportunities that create real-world change. As an added benefit, attendees can become an Impact Member of the SuperCrowd for just $4.58 per month to receive an exclusive private Zoom meeting invitation with Devin, free tickets to paid SuperCrowd events, and the opportunity to directly support social entrepreneurs, community builders, and underrepresented founders.SuperGreen Live, January 22–24, 2026, livestreaming globally. Organized by Green2Gold and The Super Crowd, Inc., this three-day event will spotlight the intersection of impact crowdfunding, sustainable innovation, and climate solutions. Featuring expert-led panels, interactive workshops, and live pitch sessions, SuperGreen Live brings together entrepreneurs, investors, policymakers, and activists to explore how capital and climate action can work hand in hand. With global livestreaming, VIP networking opportunities, and exclusive content, this event will empower participants to turn bold ideas into real impact. Don't miss your chance to join tens of thousands of changemakers at the largest virtual sustainability event of the year. Learn more about sponsoring the event here. Interested in speaking? Apply here. Support our work with a tax-deductible donation here.Demo Day at SuperGreen Live. Apply now to present at the SuperGreen Live Demo Day session on January 22! The application window is closing soon; apply today at 4sc.fun/sgdemo. The Demo Day session is open to innovators in the field of climate solutions and sustainability who are NOT currently raising under Regulation Crowdfunding.SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on January 27th at 1:30 PM ET/10:30 AM PT. Mark your calendar. We'll send private emails to Impact Members with registration details.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Join C-AR Annual Reporting: Requirements, Deadlines, and Lessons Learned from the Field on January 14, 2026, an informative online webinar designed to help crowdfunding issuers and professionals clearly understand C-AR annual reporting requirements, key deadlines, and real-world insights to stay compliant and prepared.Join UGLY TALK: Women Tech Founders in San Francisco on January 29, 2026, an energizing in-person gathering of 100 women founders focused on funding strategies and discovering SuperCrowd as a powerful alternative for raising capital.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

The public has been fascinated by the experience of interacting with large language models, or LLMs, like OpenAI's ChatGPT and Google's Gemini. In this episode we will look at current work with LLMs that plays to their strengths and involves a lower risk of inaccurate outputs. In particular we will look at the use of LLMs to translate between languages. Software teams generally operate in their native language. Once they have finished building their system, they often want to make it available in other languages to access other markets. The process of making a program that was originally written for one language usable by people who speak other languages is called internationalization. Historically internationalization has been a slow and expensive process. Today we will be talking with Archie McKenzie, the founder of a Silicon Valley startup that is offering internationalization services to software teams. Archie is atypical in various ways. A Briton, Archie came to the US to study Classics at Princeton. He ventured into a course taught by a famous computer scientist, Brian Kernighan, whose teaching inspired Archie to switch from Ancient Greek and Latin to Java, Python, and Typescript. After graduating from Princeton in 2024, Archie started a company called General Translation to develop and commercialize internationalization automation for software development projects.

Dr. Hope Rugo and Dr. Vivek Subbiah discuss innovative trial designs to enable robust studies for smaller patient populations, as well as the promise of precision medicine, novel therapeutic approaches, and global partnerships to advance rare cancer research and improve patient outcomes. TRANSCRIPT  Dr. Hope Rugo: Hello and welcome to By the Book, a podcast series from ASCO that features engaging conversations between editors and authors of the ASCO Educational Book. I am your host, Dr. Hope Rugo. I am the director of the Women's Cancers Program and division chief of breast medical oncology at the City of Hope Cancer Center [in Los Angeles]. The field of rare cancer research is rapidly transforming thanks to progress in clinical trials and treatment strategies, as well as improvements in precision medicine and next-generation sequencing that enable biomarker identification. According to the National Cancer Institute, rare cancers occur in fewer than 150 cases per million each year, but collectively, they represent a significant portion of all cancer diagnoses. And we struggle with the appropriate treatment for these rare cancers in clinical practice. Today, I am delighted to be joined by Dr. Vivek Subbiah, a medical oncologist and the chief of early-phase drug development at the Sarah Cannon Research Institute in Nashville, Tennessee. Dr. Subbiah is the lead author of a paper in the ASCO Educational Book titled "Designing Clinical Trials for Patients with Rare Cancers: Connecting the Zebras," a great title for this topic. He will be telling us about innovative trial designs to enable robust studies for small patient populations, the promise of precision medicine, and novel therapeutic approaches to improve outcomes, and how we can leverage AI now to enroll more patients with rare cancers in clinical trials. Our full disclosures are available in the transcript of this episode.  Dr. Subbiah, it is great to have you on the podcast today. Thanks so much for being here. Dr. Vivek Subbiah: Thank you so much, Dr. Rugo, and it is an honor and pleasure being here. And thank you for doing this podcast for rare cancers. Dr. Hope Rugo: Absolutely. We are excited to talk to you. And congratulations on this fantastic paper. It is such a great resource for our community to better understand what is new in the field of rare cancer research. Of course, rare cancers are complex and multifaceted diseases. And this is a huge challenge for clinical oncologists. You know, our clinics, of course, cannot be designed as we are being very uni-cancer focused to just be for one cancer that is very rare. So, oncologists have to be a jack of all trades in this area. Your paper notes that there are approximately 200 distinct types of rare and ultra-rare cancers. And, by definition, all pediatric cancers are rare cancers. Of course, clinical trials are essential for developing new treatment strategies and improving patient outcomes, and in your paper, you highlight some unique challenges in conducting trials in this rare cancer space. Can you tell us about the challenges and how really innovative trial designs, I think a key issue, are being tailored to the specific needs of patients with rare cancer and, importantly, for these trials? Dr. Vivek Subbiah: Rare cancers present a perfect storm of challenges. First, the patient populations are very small, which makes it really hard to recruit enough participants for traditional type trials. Second, these patients are often geographically dispersed across multiple cities, across multiple states, across multiple countries, across multiple zip codes. So, logistics become complicated. Third, there is often limited awareness among clinicians, which delays referrals and diagnosis. Add to that regulatory hurdles, funding constraints, and you can see why rare cancer trials are so tough to execute. To overcome these barriers, we are seeing some really creative novel trial designs. And there are four different types of trial designs that are helping with enrolling patients with rare cancers. The first one is the basket trial. So let us talk about what basket studies are. Basket studies group patients based on shared genetic biomarkers or shared genetic mutations rather than tumor type. So instead of running separate 20 to 30 to 40 trials, you can study one therapy across multiple cancers. The second type of trial is the umbrella trial. The umbrella trials flip that concept of basket studies. They focus on one cancer type but test multiple targeted therapies within it. The third category of innovative trials are the platform studies. Platform trials are another exciting innovation. They allow new treatment arms to be added or removed as the data matures and as the data evolves, making trials more adaptive and efficient. The final category are decentralized tools in traditional trials, which are helping patients participate closer to where they are so that they can sleep in their own bed, which is, I think, a game changer for accessibility.  These designs maximize efficiency and feasibility for rare cancer research and rare cancer clinical trials. Dr. Hope Rugo: I love the idea of the platform trials that are decentralized. And I know that there is a trial being worked on with ARPA-H (Advanced Research Projects Agency for Health) funding in triple-negative breast cancer as well as in lung cancer, I think, and others with this idea of a platform trial. But it is challenged, I think, by precision medicine and next-generation sequencing where some patients do not have targetable markers, or there isn't a drug to target the marker. I think those are almost the same thing. We have really seen that these precision medicine ideas and NGS have moved the needle in helping to identify genetic alterations. This helps us to be more personalized. It actually helps with platform studies to customize trial enrollment. And we hope that this will result in better outcomes. It also allows us, I think, to study drugs even in the early stage setting more effectively. How can these advances be best applied to the future of rare cancers, as well as the challenges of not finding a marker or not having a drug? Dr. Vivek Subbiah: Thank you so much for that question. I think precision medicine and next-gen sequencing, or NGS, are truly the backbone of modern precision oncology. They have transformed how we think about cancer treatment. Instead of treating based on where the tumor originated or where the tumor started, we now look at the genetic blueprint of cancer. The NGS or next-gen sequencing allows us to sequence millions of DNA fragments quickly. Twenty, 30 years ago, they said we cannot sequence a human genome. Then it took almost a decade to sequence the first human genome. Right now, we have academic centers and commercial sequencing companies that are really democratizing NGS across all sites, not just in academic centers, across all the community sites, so that NGS is now accessible. This means that we can identify these actionable alterations like picking needles in haystacks, like NTRK fusions, RET fusions, or BRAF V600E alterations, high tumor mutational burden. This might occur across not one tumor type, across several different tumor types. So for rare cancers, this is critical because some of these mutations often define the best treatment option. Here is why this matters. Personalized therapy, right? Instead of a one-size-fits-all approach, we can tailor treatment to the patient's unique molecular profile. For trial enrollment, this can definitely help because patients can join biomarker-driven trials even if their cancer type is rare or ultra-rare. NGS technology has also helped us in designing rational studies. Many times monotherapy does not work in these cancers. So we are thinking about rational combination strategies. So NGS technology is helping us. Looking ahead, I see NGS becoming routine in clinical practice, not just at major niche academic centers, but everywhere. We will see more tumor-agnostic approvals, more molecular tumor boards guiding treatment decisions in real time. And I think we are seeing an expanded biomarker setup. Previously, we used to have only a few drugs and a handful of mutations. Now with homologous recombination defects, BRCA1/2 mutation, and expanding the HRD and also immunohistochemistry, we are expanding the biomarker portfolio. So again, I personally believe that the future is precision. What I mean by precision is delivering the right drug to the right patient at the right time. And for rare cancers, this isn't just progress. It is survival. And it is maybe the only way that they can have access to these cutting-edge precision medicines. Dr. Hope Rugo: That is so important. You mentioned an important area we will get to in a moment, the tumor-agnostic therapies. But as part of talking about that, do you think that the trials should also include just standard therapies? You know, who do you give an ADC to and when with these rare cancers? Because some of them do not have biomarkers to target and it is so disappointing for patients and providers where you are trying to screen a patient for a trial or a platform trial where you have one arm with this mutation, one arm with that, and they do not qualify because they only have a p53 loss, you know? They just do not have the marker that helps them. But we see this in breast cancer all the time. And it is tough because we don't have good information on the sequencing. So I wonder, you know, just because for some of these rare cancers it is not even clear what to use when with standard treatments. And then that kind of gets into this idea of the tumor-agnostic therapies that you mentioned. There are a lot of new treatments that are being evaluated. We have seen approval of some treatments in the last few years that are tumor-agnostic and based on a biomarker. Is that the best approach as we go forward for rare cancers? And what new treatment options are most exciting to you right now? Dr. Vivek Subbiah: Tumor-agnostic therapies, really close to my heart, are real breakthrough therapies and represent a major paradigm shift in oncology. Traditionally, for the broad listeners here, we are used to thinking about designing clinical trials and therapy like where the cancer originated, breast cancer, kidney cancer, prostate cancer, lung cancer. A tumor-agnostic therapy flips that model. Instead of focusing on the organ, they target the specific genetic alteration or biomarker that drives cancer growth regardless of where the tumor started, regardless of the location of the tumor, regardless of the zip code of the tumor. So why is this so important for rare cancers? Because many rare cancers share molecular features with more common cancers. For instance, NTRK fusion might occur in pediatric sarcoma, a salivary gland tumor, or a thyroid cancer. Historically, each of these would require separate trials, which is nearly impossible, unfeasible to conduct in these ultra-rare cancers like salivary gland cancer or pediatric sarcomas. Tumor-agnostic therapies allow us to treat all those cancers with the same targeted drug if they share that biomarker. Again, we are in 2025. The first tissue-agnostic approval, the historic precedent, was in fact an immunotherapy. Pembrolizumab was approved in 2017, May 2017, as the first immunotherapy to be approved in a tumor-agnostic way for a genomic biomarker, for MSI-High and dMMR cancers. Then came the NTRK inhibitors. So today we have not one, not two, but three different NTRK inhibitors: larotrectinib, entrectinib, and repotrectinib, which show response rates of nearly more than 60 to 75% across a handful of dozens and dozens of cancer types. Then, of course, we have RET inhibitors like selpercatinib, which is approved tissue-agnostic, and pralsetinib, which also shows tissue-agnostic activity across multiple cancers. And more recently, combination therapy with a BRAF and MEK combination, dabrafenib and trametinib, received tumor-agnostic approval for all BRAF V600E tumors with the exception of colorectal cancer. And even recently, you mentioned about antibody drug conjugates. Again, I think we live in an era of antibody drug conjugates. And Enhertu, trastuzumab deruxtecan, which was used first in breast cancer, now it is approved in a histology-agnostic manner for all HER2-positive tumors defined by immunohistochemistry 3+. So again, beyond NGS, now immunohistochemistry for HER2 is also becoming a biomarker. So again, for the broad listeners here, in addition to comprehensive NGS that may allow patients to find treatment options for these rare cancers for NTRK, RET, and BRAF, immunohistochemistry for HER2 positivity is also emerging as a biomarker given that we have a new FDA approval for this. So I would say personally that these therapies are game changers because they open doors for patients who previously had no options. Instead of waiting for years for a trial in their specific cancer type, they can access a treatment based on their molecular profile. I think it is precision medicine at its finest and best. Looking ahead, the third question you asked me is what is exciting going on? I think we will see more of these approvals. My hope is that today, I think we have nine to ten approvals. My hope is that within the next 25 to 50 years, we will have at least 50 to 100 drugs approved in this space based on a biomarker, not based on a location of the tumor type. Drug targeting rare alterations like FGFR2 fusions, FGFR amplifications, ALK fusions, and even complex signatures like high tumor mutational burden. I think we will be seeing hopefully more and more drugs approved. And as sequencing becomes routine, we will identify more patients for these therapies. I think for rare cancers, this is not just innovative approach. This is essential for them to access these novel precision medicines. Dr. Hope Rugo: Yeah, that is such a good point. I do think it is critical. Interestingly in breast cancer, it hasn't been, you know, there is always like two patients in these tumor-agnostic trials, or if that. You know, I think I have seen one NTRK fusion ever. I think that highlights the importance for rare cancers. And you know, I am hoping that that will translate into some new directions for some of our rarer and impossible-to-treat subtypes of breast cancer. It is this kind of research that is really going to make a difference. But what about those people who do not have biomarkers? What if you do not fit into that? Do you think there is a possibility of trying to do treatments for rare cancers in some prospective way that would help with that? You know, it is really a huge challenge. Dr. Vivek Subbiah: Absolutely. I think, you know, you're right, usually many of these rare cancers are driven by specific biomarkers. And again, some of the pediatric salivary gland tumors or pediatric sarcomas like fibrosarcomas, they are pathognomonic with NTRK fusions. And again, given that we have a tumor-agnostic approval, now these patients have access to these therapies. And I do not think that we would have had a trial just for pediatric fibrosarcomas with NTRK fusions. So that is one way. Another way is SWOG, right? The SWOG DART [1609] had this combination dual checkpoint, it was called the DART study dual combination chemotherapy with ipi/nivo. Now here the rare cancer subtype itself becomes a biomarker and they showed activity across multiple rare cancer subtypes. They didn't require a biomarker. As long as it was a rare or ultra-rare cancer, these patients were enrolled into the SWOG DART trial and multiple arms have read out. Angiosarcoma, Kaposi sarcoma, even gestational trophoblastic disease. Again, they have shown responses in these ultra-rare, rare cancers. Sometimes they might be seeing one or two cases a whole year. And I think this SWOG effort, this cooperative group effort, really highlighted the need for such studies without biomarkers as well. Dr. Hope Rugo: That is such a fantastic example of how to try and treat patients in a collaborative way. And in the paper, you also emphasize the need for collaborative research efforts, you know, uniting resource expertise across different ways of doing research. So cooperative groups, advocacy organizations that can really help advance rare cancer research, improve access to new therapies, and I think importantly influence policy changes. I think this already happened with the agnostic approvals. Could you tell us more about that? How can we move forward with this most effectively? Dr. Vivek Subbiah: Personally, I believe that collaboration is absolutely critical and essential for rare cancer research. No single institution, no single individual, or no single state or entity can tackle these challenges alone. The patient populations are small and dispersed. So pooling resources is the only way to run these meaningful trials. Again, it is not like singing, it is like putting a huge, huge, I would say, an opera piece together. It is not a solo, vocal therapy, but rather putting a huge opera piece like Turandot. You know, you mentioned cooperative groups. Cooperative groups, as I mentioned earlier, the SWOG DART program, the ASCO [TAPUR study]. ASCO is doing a phenomenal work of the TAPUR study. Again, this ASCO TAPUR program has enrolled so many patients with rare cancers who otherwise would not have treatment options. NCI-MATCH, the global effort, right? NCI-MATCH and the ComboMATCH are great examples. They bring together hundreds of sites, thousands of clinicians to run large-scale trials that would be impossible for any individual center or institution. These trials have already changed practice. For instance, the DART demonstrated the power of immunotherapy in rare cancers and influenced NCCN guidelines. One of the arms of the NCI-MATCH study from the BRAF V600E arm contributed towards the BRAF V600E tissue-agnostic approval. So, the BRAF V600E tissue-agnostic approval was by a pooled analysis of several studies. The ROAR study, the Rare Oncology Agnostic Research study, the NCI-MATCH dataset of tumor-agnostic cohort, and another pediatric trial, and also evidence from literature and evidence of case reports. And all this pooled analysis contributed to the tissue-agnostic approval of BRAF V600E across multiple rare cancers. There are several patient advocacy organizations which are the real unsung heroes here. Groups like, for instance, we mentioned in the paper, Target Cancer Foundation, don't just raise awareness for rare cancer research, they actively connect patients to trials providing financial, emotional support, and even run their own studies like the TRACK trial. They also influence policy to make access easier. On a global scale, initiatives like DRUP in the Netherlands, the ROME study in Italy, the PCM4EU in Europe are expanding precision medicine across these borders. These collaborations accelerate research, improve trial enrollment, and ensure patients everywhere can have access to these cutting-edge therapies. Again, it is truly a team effort, right? It is a multi-stakeholder approach. Researchers, clinicians, investigators, industry, regulators, academia, patients, patient advocates, and their caregivers all working together. And it takes a village. Dr. Hope Rugo: Absolutely. I mean, what a nice response to that. And I think really exciting and it is great to see your passion about this as well. But it helps all of us, I think, getting discouraged in treating these cancers to understand what is happening moving forward. And I think it is also a fabulous opportunity for our junior colleagues as they rise up in academics to be involved in these international collaborative efforts which are further expanding. One of the things that comes up for clinical trials for patients, and I think it is highlighted with rare cancers because, as you mentioned, people are all over the place, you know, they are so rare. They are all far away. Our patients are always saying to us, "Should I go here for a phase 1 trial?" Can you talk a little bit about how we can overcome these financial and geographic burdens for the patients? You talked about having trials locally, but it is a big financial and just social burden for patients. Dr. Vivek Subbiah: Great point. Financial cost is a major barrier in rare cancer clinical trials. It is a major barrier not just in rare cancer clinical trials, but in clinical trials in general. The economics of rare cancer research are one of the toughest challenges we face. Developing a new drug is already expensive, often billions of dollars. On an average, it takes 2 billion dollars or 2.8 billion dollars according to some data from drug discovery to approval. For rare cancers, the market is tiny, which means the pharmaceutical companies have really little financial incentive to invest. That is why initiatives like the Orphan Drug Act were created to provide tax credits, grants, and market exclusivity to encourage development for rare diseases. Clinical trials themselves are expensive because the small patient populations mean longer recruitment times and higher per-patient costs. Geographic dispersion, as you mentioned, for the patients adds travel, coordination. That is why we need to think out of the box about decentralized trial infrastructure so that we can mitigate some of these expenses. Complex trial designs like basket or platform trials sometimes require sophisticated data systems and regulatory oversight. That is a challenge. And I think some of the pragmatic studies like ASCO TAPUR have overcome those challenges. Advanced technologies like next-gen sequencing and molecular profiling also add significant upfront cost to this. Funding is also limited because rare cancers receive less attention compared to common cancers. Public funding and cooperative group trials help a lot, but I think they cannot cover everything. Patient advocacy organizations sometimes step in to bridge these gaps, but sustainable financing remains a huge challenge. So, the bottom line is without financial incentives and collaborating funding models, many promising therapies for rare cancers would never make it to patients. That is why we need system-wide policy changes, global partnerships, and innovative, effective, seamless trial designs which are so critical so that they can help reduce the cost and make research feasible so that we can deliver the right drug to the right patient at the right time. Dr. Hope Rugo: There is a lot of excitement about the future integration of AI in screening. Just at the San Antonio Breast Cancer meetings, we have a number of different presentations about AI to find markers, even like HER2, and using AI where you would screen and then match patients to clinical trials. Do you have any guidance for the rare cancer community on how to leverage this technology in order to optimize patient enrollment and, I think, identification of the best treatment matches? Dr. Vivek Subbiah: I think artificial intelligence, AI, is a game-changer in the making. Right now, clinical trial is clunky. Matching patients to trial is often manual, time consuming, laborious. You need a lot of personnel to do that. AI can automate this process by analyzing genomic data, medical records, and trial eligibility criteria to find the best matches quickly, accurately, and effectively. For the community, the key is to invest in data standardization and interoperability because AI needs clean, structured data to work effectively. Dr. Hope Rugo: Thank you so much, Dr. Subbiah, for sharing these fantastic insights with us on the podcast today and for your excellent article. Dr. Vivek Subbiah: Thank you so much. Dr. Hope Rugo: We thank you, our listeners, for joining us today. You will find a link to Dr. Subbiah's Educational Book article in the transcript of this episode. And please join us again next month on By the Book for more insightful views on key issues and innovations that are shaping modern oncology.  Thank you. Disclaimer: The purpose of this podcast is to educate and to inform. This is not a substitute for professional medical care and is not intended for use in the diagnosis or treatment of individual conditions. Guests on this podcast express their own opinions, experience, and conclusions. Guest statements on the podcast do not express the opinions of ASCO. The mention of any product, service, organization, activity, or therapy should not be construed as an ASCO endorsement. Follow today's speakers:        Dr. Hope Rugo   @hoperugo   Dr. Vivek Subbiah @VivekSubbiah Follow ASCO on social media:        ASCO on X  ASCO on Bluesky       ASCO on Facebook        ASCO on LinkedIn        Disclosures:       Dr. Hope Rugo:    Honoraria: Mylan/Viatris, Chugai Pharma   Consulting/Advisory Role: Napo Pharmaceuticals, Sanofi, Bristol Myer   Research Funding (Inst.): OBI Pharma, Pfizer, Novartis, Lilly, Merck, Daiichi Sankyo, AstraZeneca, Gilead Sciences, Hoffman La-Roche AG/Genentech, In., Stemline Therapeutics, Ambryx   Dr. Vivek Subbiah: Consulting/Advisory Role: Loxo/Lilly, Illumina, AADI, Foundation Medicine, Relay Therapeutics, Pfizer, Roche, Bayer, Incyte, Novartis, Pheon Therapeutics, Abbvie Research Funding (Inst.): Novartis, GlaxoSmithKline, NanoCarrier, Northwest Biotherapeutics, Genentech/Roche, Berg Pharma, Bayer, Incyte, Fujifilm, PharmaMar, D3 Oncology Solutions, Pfizer, Amgen, Abbvie, Mutlivir, Blueprint Medicines, Loxo, Vegenics, Takeda, Alfasigma, Agensys, Idera, Boston Biomedical, Inhibrx, Exelixis, Amgen, Turningpoint Therapeutics, Relay Therapeutics Other Relationship: Medscape, Clinical Care Options

A provocative defense of a forgotten Chinese approach to identity and difference. Historically, the Western encounter with difference has been catastrophic: the extermination and displacement of aboriginal populations, the transatlantic slave trade, and colonialism. China, however, took a different historical path. In Chinese Cosmopolitanism: The History and Philosophy of an Idea (Princeton UP, 2023), Shuchen Xiang argues that the Chinese cultural tradition was, from its formative beginnings and throughout its imperial history, a cosmopolitan melting pot that synthesized the different cultures that came into its orbit. Unlike the West, which cast its collisions with different cultures in Manichean terms of the ontologically irreconcilable difference between civilization and barbarism, China was a dynamic identity created out of difference.  The reasons for this, Xiang argues, are philosophical: Chinese philosophy has the conceptual resources for providing alternative ways to understand pluralism. Xiang explains that "Chinese" identity is not what the West understands as a racial identity; it is not a group of people related by common descent or heredity but rather a hybrid of coalescing cultures. To use the Western discourse of race to frame the Chinese view of non-Chinese, she argues, is a category error. Xiang shows that China was both internally cosmopolitan, embracing distinct peoples into a common identity, and externally cosmopolitan, having knowledge of faraway lands without an ideological need to subjugate them. Contrasting the Chinese understanding of efficacy--described as "harmony"--with the Western understanding of order, she argues that the Chinese sought to gain influence over others by having them spontaneously accept the virtue of one's position. These ideas from Chinese philosophy, she contends, offer a new way to understand today's multipolar world and can make a valuable contribution to contemporary discussions in the critical philosophy of race. For readers interested in how GCB and the Greek philosophical justification of GCB, domination, and destruction of barbarians still inform productions and consumptions of racist ideology as embodied in The Turner Diaries, see for example, here, here, and here.  Readers interested in the Vāda project that employs Indian epistemology to evaluate contemporary political claims, see here.  Jessica Zu is an intellectual historian and a scholar of Buddhist studies. She is an assistant professor of religion at the University of Southern California. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/intellectual-history

In this episode, Travis and his producer Eric break down what it really looks like to make money as a content creator when you're not pulling MrBeast numbers or signing eight‑figure brand deals. Instead, they focus on the realistic—and highly achievable—lane of “middle class creators”: people earning $1,000–$5,000 per month from content as a side income (or lean full‑time if you keep expenses low). They also share real revenue numbers from Eric's channel, plus examples of small brick‑and‑mortar businesses using short‑form content to turn marketing into a profit center instead of a pure expense. On this episode we talk about: Why most creators should aim for “middle class” money first instead of chasing MrBeast‑level outcomes How Eric built a niche show (Preacher Boys) into a $2.6k/month side income through ads, sponsors, and platform payouts The importance of loving your topic enough to talk about it for free for years How one Zoom interview episode on YouTube alone brought in over $1,500 in ad revenue Why you should spread income across YouTube, podcast ads, Facebook bonuses, sponsors, and Patreon Brick‑and‑mortar examples like the LED sign guy and the “pancake lady” turning simple videos into customers and creator checks Why every post is a “lottery ticket” for new opportunities, from documentaries to brand deals How business owners can get to the point where their marketing actually gets paid by platforms Top 3 Takeaways You don't need millions of followers to make meaningful money; a focused niche, consistent publishing, and multiple small revenue streams can add up to a solid side income that may evolve into full time. Content creation is front‑loaded work and back‑loaded payoff—expect years of low or no pay before the inflection point where old episodes start earning hundreds or thousands of dollars each. If you own a business, learning to create simple, personality‑driven content can turn your advertising from a cost center into a profit center—platforms and sponsors can effectively subsidize your marketing. Notable Quotes “If you're not excited about the first dollar you made, you're not going to be excited about the first thousand.” “Hourly, I used to be making maybe a dollar an hour—now a single Zoom interview can bring in over $1,500 on YouTube alone.” “Historically, every form of advertising cost you money; now your marketing can actually pay you." ✖️✖️✖️✖️

Political resistance is as old as injustice itself, fighting with tools that span from civil disobedience (boycotts, strikes, sit-ins) to armed struggle, challenging tyranny, colonialism, racism, and inequality through both nonviolent or violent means.  Historically it has evolved from ancient community defiance to modern national movements like Black Lives Matter, utilizing culture, direct action, and grassroots organization. Key nonviolent strategies include passive noncooperation (e.g., sit-ins and boycotts) and active confrontation (e.g., U.S. Civil Rights Movement), with recent studies highlighting effective nonviolent strategies, like those seen in the Eastern European revolutions.  We will look at the history of political resistance in the United States and make some recommendations for the current tumultuous times. About the Speakers Dr. Michael Baker recently retired from a 40-year career in general, vascular, and trauma surgery. He also served 30 years in the uniform of his country and retired from the U.S. Navy with the rank of rear admiral, having earned numerous awards including a Combat Action Ribbon and 3 Legion of Merit Awards. He currently teaches history, political science, and military affairs for the Osher LifeLong Learning (OLLI) Programs at UC Berkeley, Dominican University, Cal State East Bay, Cal State Channel Islands—and is on the Board of Governors of Commonwealth Club World Affairs. He teaches Advanced Trauma Life Support (ATLS) to physicians in the United States, at military bases around the world, and most recently returned from his fifth tour in Ukraine teaching ATLS to physicians in that war-torn nation. Jack Funk graduated with a BA in political science from UC San Diego in 1977. He received his JD from Berkeley School of law in 1980. Following law school, he worked as a trial attorney in the Contra Costa County Public Defender's Office for 30 years. He has retired from the practice of law. He is currently president of the Martinez Education Foundation, which raises money to support schools in Martinez, and is also the chair of the Retiree Support Group of Contra Costa County, which is an organization created to protect retiree rights and interests. Since February of this year, he has been working with the Diablo Valley Resistance, which is focused on activities that push back against the Trump political agenda. An East Bay Chapter and Humanities Member-led Forum program. Chapters and forums at the Club are organized and run by volunteer programmers who are members of Commonwealth Club World Affairs of California, and they cover a diverse range of topics.  Organizer: Michael Baker  Learn more about your ad choices. Visit megaphone.fm/adchoices

Cilia Flores’ Role: Far from being a symbolic first lady, Flores is a mastermind behind corruption and drug trafficking. She was sanctioned by the U.S. Treasury and linked to major criminal activities, including her nephews’ cocaine smuggling. Western Hemisphere Strategy: The discussion emphasizes the Monroe Doctrine and its modern interpretation under Trump (“Donroe Doctrine”), asserting U.S. dominance in the Western Hemisphere to counter Russian, Chinese, and Iranian influence. Military Operation: The arrest of Maduro was a highly precise Delta Force mission, compared to past U.S. interventions like Noriega’s capture in Panama. The podcast praises Trump’s decisiveness and military success without U.S. casualties. Regional Impact: Cuba: Faces severe pressure due to loss of Venezuelan oil and the death of Cuban guards during the raid. Other Leftist Regimes: Leaders in Nicaragua, Colombia, and Brazil are considered weakened. Mexico: While not a failed state, concerns about narco-terrorism and water treaty disputes are highlighted. Future of Venezuela: Interim President Delcy Rodríguez is described as another Marxist figure, raising concerns about continuity of corruption. Advocates for free and fair elections to restore stability and attract foreign investment, especially in oil and gold sectors. Venezuela’s vast natural resources make it a prime candidate for rapid economic recovery if governance shifts toward pro-market policies. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Book your 2026 reading at : www.jilljardineastrology.com/shop Buy Jill's Book:  Sacred Sound Formulas to Awaken the Modern Mind:  www.jilljardine.com Neptune in Aries from 2026-2039 marks a powerful new collective cycle where spiritual vision seeks bold, immediate expression. Neptune governs dreams, intuition, imagination, and collective consciousness—along with illusion and confusion—while Aries represents action, courage, individuality, and initiation. Together, they fuse inspired ideals with raw impulse, urging people to act on their visions rather than merely believe in them. Collectively, this transit signals new beginnings in spiritual, creative, and humanistic directions. There is a shift away from passive, Piscean spirituality toward action-oriented spiritual sovereignty, where individuals follow inner knowing rather than external authorities. This may manifest through activism, innovation, creative leadership, and new social or spiritual movements grounded in personal purpose. Charismatic leaders and trailblazers are likely to arise, replacing outdated power structures. Historically, the last Neptune-in-Aries cycle (1862–1875) coincided with ideological upheaval, war, rapid invention, and major spiritual movements—from evangelical revivals to esoteric traditions like Spiritualism and Theosophy. Similar patterns may re-emerge now: visionary breakthroughs, cultural renewal, and technological advances, alongside fanaticism, misinformation, cult dynamics, and conflicts driven by misplaced zeal. On the global stage, Neptune in Aries can dissolve old leadership models and ignite radical shifts in governance, religion, and innovation. While this may bring enlightened reform and pioneering solutions, it also carries risks of authoritarianism, spiritual delusion, media deception, and impulsive reactions to uncertainty. At its best, this transit encourages courageous compassion—turning dreams into action while serving the greater good. At its worst, it can blur truth and inflate egos. The key lesson is discernment: balancing inspiration with grounding, strength with empathy, and individuality with collective responsibility. When integrated wisely, Neptune in Aries ignites a divine creative spark capable of reshaping culture, spirituality, and personal purpose for an entire generation. Here's a summary for the impact on each Zodiac sign but listen to the episode for more details: Aries: A profound identity reset begins. Old roles, relationships, and self-images dissolve so you can redefine who you truly are. Intuition and creativity increase, but clarity and health must be prioritized to avoid drifting or burnout. This is a powerful period for spiritual leadership and personal reinvention—stay grounded. Taurus: A deeply introspective cycle focused on release, healing, and spiritual integration. Past patterns surface for closure. Ideal for therapy, meditation, and creative work, though escapism should be avoided. Surrender leads to renewal. Gemini: Your social circles and future goals evolve. You may find your true tribe, become involved in activism, or align with visionary groups. Inspiration is high, but discernment is essential to avoid idealizing people or movements. Cancer: Career paths may dissolve or shift dramatically, pushing you toward work aligned with your soul purpose. Disillusionment can lead to meaningful reinvention. Avoid over-giving at work and maintain emotional boundaries. Leo: Your worldview expands through travel, education, or spiritual study. New philosophies and adventures beckon. Stay discerning—some opportunities or teachings may not be what they seem. Virgo: Deep psychological and financial transformation unfolds. Old fears, attachments, and money patterns dissolve. This is a powerful rebirth cycle—clarity, boundaries, and conscious financial choices are key. Libra: Relationships are tested and redefined. You may experience spiritual connections or idealize partners. Balance, mutual exchange, and healthy boundaries are essential to avoid co-dependence or disappointment. Scorpio: Daily routines, work life, and health need conscious restructuring. Intuitive approaches to wellness and service are beneficial, but consistency and practical systems are crucial to avoid burnout or chaos. Sagittariius: A fertile period for artistic expression, romance, and passion projects. Imagination and inspiration flourish. Avoid unrealistic expectations in love or creative ventures. Capricorn: Your sense of home, family, and emotional security evolves. Changes in living situations or family responsibilities may arise. Healing ancestral patterns and creating new foundations bring long-term stability. Aquarius: Your voice becomes more intuitive, creative, and influential. Writing, teaching, and visionary communication are favored. Stay mindful of misinformation or unclear thinking. Pisces: Your relationship with money, self-worth, and material security shifts. New income visions may emerge, but practicality is essential. Spiritual values reshape how you define succe Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith explores why the real goal of building wealth isn't luxury—it's protecting yourself from the emotional and practical pain of money stress.  You'll hear how owning the right kinds of assets can change your lifestyle options over time, and why waiting on the sidelines can quietly erode your financial future. Keith also pulls back the curtain on a major, often overlooked force that has helped keep real estate values resilient for years, and what that means for anyone thinking about adding more property to their portfolio.  Finally, you'll get a sense of the kinds of opportunities and strategies listeners are using right now to move from just getting by to playing to win in their wealth building journey. Episode Page: GetRichEducation.com/587 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, more important than building wealth is avoiding poverty. It's backed up by research. Learn about a force that constantly gives a boost to real estate values that you probably haven't considered before, and own assets or get left behind. I discuss a plan for doing it today on get rich education.   Speaker 1  0:29   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Dar es Salaam Tanzania to Darlington, South Carolina, and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education the voice of real estate investing since 2014 and it's a new year, part of the reason why you need to build durable wealth for yourself is actually not to be wealthy. It's really to avoid a lack of wealth. It's in order to pad yourself against poverty. Now, shortly, I want to talk to you more aspirationally if you are or soon plan to make 500k per year or more.    Keith Weinhold  2:15   But first, there are a number of studies that show that beyond a certain level, more wealth barely increases your happiness level. In fact, if you ask many people, they say that doubling their income or doubling their net worth is what they really want, like, that's their goal. Like, in their mind, that's the benchmark in which they've made it. And you know what, when they double their income, though, then they want to double it again. They think that that is the next benchmark. So there can be this endless amount of wanting, because once you've doubled, you just want to keep doubling. But what's really more important is padding against money problems, because if having a little more doesn't change your happiness much, well, it's poverty that can really diminish a level of happiness and fulfillment in your life. So money problems don't just hurt your wallet. They actually hurt your emotions. And this isn't just some motivational poster idea, the statistics are clear. Multiple studies show that when money is scarce, when paying the regular bills feels like a monthly street fight, people report more sadness, more worry and even depression, not just sometimes, but constantly. The reality is that about 71% of Americans say that money is a major source of stress. My gosh, more than seven out of 10. So that's not a fringe category. That's the norm that say money is a major source of stress. Another study found that 42% of adults say money negatively affects their mental health. So close to half of the people walking around you right now feel emotionally beat up by their financial situation, and the gap gets even wider when you compare groups, when people experience serious financial hardship, nearly half, 49% show signs of depression among people without any financial hardship, only about 11% of that group show signs of depression. And Northwestern Mutual did an extensive study on all this. So it's not just a small difference, it's a completely different emotional reality, almost like two separate worlds. To put it plainly. For you, money will not guarantee happiness, but a lack of money can absolutely fuel sadness, and this matters. Because financial confidence isn't just about dollars. It's about dignity. It's about feeling like you're able to breathe, and it's about believing that your future can be bigger than your past. I mean, the research also shows the relationship flows in both directions. Money stress can make mental health worse, and poor mental health can make financial decision making harder. So it's sort of this loop, this cycle. And what breaks the cycle? It's not luck. It's not hoping the economy magically fixes all of its problems. It is going on offense, taking steps that build security instead of surrender, for most people, that turning point comes when they start owning assets, not just paying bills. It comes when money stops being a source of fear and it starts being a tool. Because though we focus on real estate investing here at GRE but ultimately it is a lifestyle improvement show. And before we're done today, I'm going to talk about what you can actionably do to go on offense. Now, what if you already have a higher income, or you expect to make a high income in the near term, if you're earning roughly $500,000 per year or more, and you value time efficiency in making sure that you don't live a rough quality of life. You are on the threshold of a tier that helps ensure that you can avoid some misery. Yes, there is a step change here that can help ensure you have a higher standard of living. Do you know what I might be talking about? Any idea 500k of income is where it begins now. It's only beginning here. At this point, to make sense, where you tilt into starting to fly private instead of flying commercial. Yeah, private flights. Now your situation is going to depend on more than just the income. It's whether or not you're single or you have kids and more, but it's at this income level where you can start to cover a $10,000 flight without biting into your essential living expenses. It's most justifiable when your time savings or your productivity gains translate into real value. I'm talking about things like business deals, meetings and schedules and the benefits of flying privately are pretty significant. Time efficiency is the real superpower here, drive up to the plane, wheels up in minutes. The flexibility is there. You can leave pretty much when you want. You can change your flight plans mid trip if you need to. You get access to smaller airports. That means you can land closer to your final destination and skip big city traffic congestion. You've got privacy and security, no crowds, no TSA stuff. You've got quality of experience, comfort, quiet cabins, custom catering, no competing for overhead bin space. Now even affordable private is still pretty expensive. It is substantially more than first class commercial seats, and I have had limited experience flying private, but at 500k of income, flying private can still feel like a stretch, even though it's doable for you, a more comfortable range is a million dollars or more of annual income, that's when private flights feel much easier to justify for business or lifestyle. Now, with $2 million of annual income or more, most heavy private flyers live here in this range, the $2 million plus income level, they can charter, they can fractionally own, or they can use memberships, all with less stress. When you earn this much, and if you're ultra high net worth, we're talking about $5 million worth of income plus or $20 million worth of net worth plus, well, then private flying is really commonplace. This is where you often have a personal jet, concierge services and flexibility on demand. So as the first episode of the year here, I want to give you some opportunity to dream and goal set. Yeah, you need to stretch out and give space to your aspirations sometimes, and this is a good time to do that, really, though, a more important reason for increasing your income and net worth is that it helps you avoid the discomfort of poverty. But yeah, come on, if nothing else, can you believe that before every commercial flight you have to hear that nonsense about how to inflate a raft if you're. Plane crashes in the water, or you could use your seat as a personal flotation device. Come on your seat. Can't even support your back for a three hour flight. If there's ever been a reason to invest Well, it's so that you never have to hear that stuff again before every flight chase    Keith Weinhold  10:19   last week here on the show, you'll learn more about how stable real estate prices are, why prices have never crashed in your entire life, and also why they can't double in one year. Real Estate is too slow moving 30 days between you making your offer and you closing the deal, that's actually considered pretty fast. In fact, if national home prices ever crash, I will legally change my first name to Fabrice, yes, Fabrice, I would also do that if they doubled in a year. It is almost impossible for either of those things to happen. You learned about how these things have not happened in your entire lifetime on last week's show, yes, even in 2008 in the last 85 years, nominal home prices have risen every single year, except seven of them now. Why is that? Why are the prices of US housing so resilient and just keep going up up up, almost inexorably? Well, it's actually more than just the main well documented reasons that you know about and that we've talked about here. It's about more than these attributes, like population growth, household formation, wage growth, inflation, eroding the currency and land scarcity in desirable areas beyond all of those, one reason that home values just keep going up, up up and are expected to rise again this year is something that We have not discussed yet, and that is government intervention? Yes, in the US and a lot of world places, housing is not a free market. We have a free ish market that sort of comes with training wheels and support animals. Think about how the government helps ensure that home prices stay propped up even through most recessions. We're talking about attributes like ever expanding loan access and mortgage interest deductibility. Then there's depreciation in write offs for investors like us and property tax structures that lag market value when loans have lower down payment requirements or a lowering of credit score requirements and ever expanding loan limits in terms of dollar amounts, well, that increases the demand for those that have the capacity to pay, and it nudges up prices even more incentives, like deducting your mortgage interest in tax depreciation when you don't even have a real expense, but yet you get to write it off anyway. It all heaps on the government driven demand for real estate Now none of these individual things, these government interventions, raise prices overnight, they increase demand structurally. There's evidence that the government is doing even more in recent years to prop up housing demand than they have in the past. This is increasingly a propensity to not let housing fail like it did in 2008 I mean, just look at covid During 2020, and 2021, what a glaring example of how government will prop up home values and not let them fall down if you lost your job during covid. Oh, we'll give you mortgage loan forbearance. That's where you could skip. Oh, just say nine monthly payments, and then you can just tack those nine payments onto the end of your 30 year loan and make those payments decades from now. There was a foreclosure moratorium in effect then too, so you've got forbearance and low rates and stimulus checks and a ban on foreclosures. Well, all of that helped borrowers make payments, and that supported home price growth. There was no fire sailing, really, that could have taken place then, and you will recall that during that time period, in fact, the year 2021 national home prices soared 19% so housing is not a completely free market. You really don't have to look very far to know that. I mean, Fannie Mae and Freddie Mac are both still government sponsored and still in conservatorship. And here's the thing, so far, I've only talked about how government has propped up the demand side. Side of the market. I've only talked about half of it. Don't forget the sometimes unintentional supply restriction the governments induce as well keeping housing supply in check. Well, that helps drive price appreciation. I'm talking about the zoning spaghetti that new homebuilders have to navigate through the permit purgatory, minimum lot sizes that can seem larger than some European countries, environmental reviews that last longer than the movie Avengers. Endgame was that a three hour, two minute movie, all of these roadblocks limit new housing supply that makes it harder to build. So governments provide an ever present tailwind to housing values by both boosting demand and by crimping supply. Government amplifies these forces, sometimes intentionally and sometimes unintentionally, but the result is the same propping up housing values. If all these years since coming out of the Great Recession have shown us anything, and the 2020 pandemic reinforced it, it is to either own assets or get left behind. You've got to own assets or you will be left behind, and that's whether you're trying to stay away from poverty, like I talked about at the top of the show, or whether you're aiming to fly private instead of commercial, something more aspirational, really. That's the lesson I've got more straight ahead here. There will only ever be one get rich education podcast episode 587 and you're listening to it.    Keith Weinhold  16:43   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly again. 1-937-795-8989,   Keith Weinhold  17:54   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Dana Dunford  18:27   this is hemlane's co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Keith,   Keith Weinhold  18:45   welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking about new angles with respect to how the future belongs to asset owners. Every year, people say, This is my year, but only a few actually take the action to back that up and make it come true. One thing that I've learned is that people love saying, I want an opportunity, but what they really want is certainty. Unfortunately, certainty only shows up after opportunity is gone. History is full of people who walked past moments like this now owning more of an asset like real estate today, and instead they just look and say, Oh, it's probably nothing. Well, what about alternatives? What's your employer's plan for you? I mean, really, what's a typical employer's plan for employees spend 40 years here at this desk, and I guarantee that you'll become moderately comfortable with a nice 401K balance that you can start withdrawing from by the time you're age 65 at which time you'll start paying taxes on it too. So really, that's it. That's their plan for you. Yes, that's their plan for you. Though, as you know, I do not forecast mortgage rates. No one, not one analyst or rating agency, expects mortgage rates to fall substantially any time soon as we look at the real estate landscape, in fact, among 21 different major research groups, which include PNC Bank, Redfin, Moody's, wells, Fargo, the NAR totality, if you average what their forecasts are, one year from now, mortgage rates are expected to be at the same level that they are today, which is about 6.2% if you want to add more assets, prices are probably only going to be higher one year from now. The Fed is involved in QE like behavior again, which resumed last month, that gives the effect of more money printing, and it provides an environment for a continued price run up across not just real estate, but nearly every asset class. Current CPI inflation is 2.7% and long term inflation expectations are elevated. The Fed is cutting rates. The current Fed funds rate is about 3.6% and the President wants the Fed funds rate cut to 1% central banks are stockpiling gold, and the US dollar just had its worst year since 2017 so a lot is lining up to keep supporting housing values. Now, when we zoom out, starting back in 2012 us home prices have now risen 14 years in a row, and the average annual gain since that time is about 6% which is sustainable and close to historic norms. Year after year. Some people keep waiting for the right moment, and meanwhile, the right moment just keeps passing them by. And look, now here's a really interesting way for you to look at things from a long time investor like me, I have bought a wide variety of investment real estate over the years. I bought single family homes to both live in and single family homes to rent out vacant land, agricultural parcels, small apartment buildings and larger apartment buildings on every single one at the time when I purchased it, it was the most that anyone had ever paid for that property in that property's history, and if there were bids and I ended up getting the property, then I was the highest bidder as well. So on. Effectively, every single property purchase of my life, I paid more than anyone ever. And if someone had no understanding of the real estate market. They might think that that sounded bad, like I executed with a poor strategy or a lack of experience or direction, but that's just usually how it works in real estate, with the incessant postulation of almost unceasing appreciation and inflation, and years later, when it was time for me to sell the property, what were those conditions like? What happened then? You guessed it, I sold it for the most that it had ever sold for. So for that next buyer, that was the most then that anyone had ever paid for the property in history, yet again, and if it was a bidding situation, chances are I sold it to the highest bidder. So therefore, that has nothing to do with luck, that has nothing to do with timing, that is simply being an active participant in the real estate market and enjoying the leverage and all the other benefits all the while. So history shows that trying to time things based on market conditions or what you think market conditions are going to be, that does not work. What does work is owning more assets sooner. Every property that you purchase, expect to pay more for it than anyone ever has in that property's history. And then every property that you sell down the road, expect that you're going to sell it for more than what anyone has ever sold it for. Historically, that is normal. Now if your net worth is below $1 million or even below $5 million you really can't play the game not to lose. That's what keeps people stuck. You've got to play to win. The world already has your money. If you want access to it, you have simply got to go out. Out and get it. You play offense now, and you can play defense later, when your financial position is where you want it really and here's a huge insight, more money is lost trying to avoid a downturn than is lost actually being in the market when one finally happens, like I've discussed lately, real estate price downturns are uncommon. Sitting out and waiting is a wealth killer, because even if a downturn does happen, well, if you're already invested, you are positioned for the upturn. You're going to get the full measure of the upturn. That's where the real gains are, and this is where real estate is different. Leverage just keeps working for you. In the background, your 401, k does not do that. There's no leverage beyond maybe a two to one employer match, and then you get taxed when you finally touch the money. Some people like to gamble a little play a prediction market like poly market. Have something in Bitcoin, maybe even have exposure to a risky altcoin. I guess the NFL playoffs start this coming weekend. Some people want to bet on that and have their fun. Maybe even be invested in a high flying tech stock, or even the sp500. These vehicles rarely build wealth when you're actually young enough to enjoy it, because you're probably unleveraged there, you're exposed. You've only got your dollars working for you, not others, and you sure can do some of that day to day stuff. Go on polymarket and bet on when man will first land on Mars or something. Have your fun while the real wealth is built by the quiet, slow moving leverage of your larger real estate portfolio. In the background. Real estate, you can put 20 to 25% down on a 200k income property and control the whole thing. That's what investors are doing with our GRE marketplace properties right now, often in a low cost market like, say, Kansas City or Memphis, say that, for example, you're looking to add four doors this year, four rental units. Now that might take the form of one duplex and two new build Florida single family rentals. Now, with about 250k you can control $1 million of property adding assets this year. And here at GRE our nationwide provider network connects you with the real deals, and our providers often tell us about them before the public knows, for example, the properties where the builder still in this environment buys your rate down to perhaps four and a half percent. That is still happening. And why do the properties that our GRE investment coaches connect you with seem like such good deals at times? Well, there's a few reasons for that. Investor advantage markets just intrinsically have low prices. There's no agent that you have to compensate. It's a direct model that keeps the price down. These providers provide homes in bulk that helps keep the price down. And since we're dealing with investment properties, income producing properties, there are not any of these owner occupied emotions, so you don't get unreasonable sellers that hold out for a high price because there's some sentimental attachment there, or something like that.    Keith Weinhold  28:38   Let me give you three examples of real properties that our GRE investment coaching helps connect you with right now, and this is the place to be entry level homes, because entry level homes are few long term you are going to own a scarce asset that everybody wants. The first one is a brand new build single family rental in Cullman, Alabama. That's right between Birmingham and Huntsville, booming Huntsville. Now this property is currently vacant. However, it's in an A class neighborhood, so good appreciation potential, but less cash flow on this one, the rent is $2,100 the purchase price is 317k Yes, just 317k for this five bed, three bath, 2500 square foot rental, single family home. That's new build. One advantage Alabama has, and why we often have available Alabama properties is that really low property tax in that state you're going to benefit from a low fixed expense ratio over the long term. Alabama, property taxes are well under 1% per year as a percentage of the property value. In fact, at less than 410 Tax of 1% Alabama has the lowest property taxes in the entire continental United States. Only Hawaii has a lower one, where you're going to find a national average of 1% or a little more than 1% the second property is also brand new construction. It is a duplex in Goddard, Kansas, which is outside Wichita, each side of the duplex has three beds, two baths and 1300 68 square feet combined. Rents both sides are $3,500 and the purchase price is 447k and it is leased. Both sides are rented out. You can contact our free investment coaching and scoop up this or one like it today, and I'm looking at pictures of this really good looking new build duplex in the Wichita area. Looks like a two car garage on both sides, really attractive. And again, on these new builds, oftentimes the homebuilder is still buying down your mortgage rate for you, often under 5% the last one I'll mention, and I'm just giving you three samples to help give you an idea here. And if you're listening to this in a few years, you'll probably wish you could purchase these at prices this low. This last one is not new builds. Unfortunately, I can't quickly find the year of construction, but it looks older. It is a Kansas City single family rental, fully renovated. The cash flow numbers are super attractive. $2,100 rent on a purchase price of just $227,500 and free property management for two years is offered here on this renovated Kansas single family rental. Our investment coaching can answer questions about it for you. When something's renovated, you definitely want to see what the scope of work is. And there are also larger properties available. If you're looking to trade up some of your properties with accumulated equity into something else, we can help build an entire portfolio for you, or you might currently be only invested in one market, where we can help you determine what second market might make sense for you based on your time horizon and your own goals. Hey, maybe you've got a private plane in a decade kind of goal, or maybe we'll help you find out that adding more property does not make sense for you at this time in your situation, even though the opportunities are pretty good right now, because compared to two years ago, the inventory to select from is wider today, And the mortgage rates are lower now too GRE investment coaches are your free trusted advisors. It's like having a silent partner on your deal, someone who gives you insight but doesn't take any equity. There's no compensation for you to provide at all. It's about your portfolio, your goals and your direction. And our coaches also help you with services related to managing your real estate assets long term, like your tax and CPA questions, legal questions, though, that's pretty limited, because we're not attorneys here. For example, what happens if you have an appraisal surprise and the appraisal comes in lower than the amount that you've contracted to buy a property for, we help you with something like that, any inventory issues or inspection issues and property management guidance that you might need. In fact, if you've engaged with our free investment coaching in the past, even a few years ago, and we helped you find a property and say, now you have some sort of property management issue. Let us know. Keep in touch with your GRE investment coach. You tell someone like Naresh here, and he will step in. And when you set up a time to chat, which you can do at greinvestmentcoach.com There's really nothing special that you need to do to prepare if you can bring a 20% down payment. Now the ball is already rolling, and in today's environment with closing costs, that's usually about a 50k minimum. It helps if you're pre approved for a mortgage loan with Ridge lending group, or whomever your lender of choice is. What's interesting is that these deals are good. These are real estate pays five ways, properties that our coaches help connect you with. So sometimes we are buying these properties ourselves here at GRE. We have in the past, but there is no way we can buy them all, not even close. That means that an opportunity remains for you. Yes, we are real estate investors ourselves here at GRE, right now, there are better properties available than ones that we've bought ourselves recently, and there is more overall selection too. You can easily see the coach's calendar, select a time and then have a phone call or a zoom chat, whatever you like. If. From there. Our coaches usually give you their phone number, so then later, you can even text them. Our coach, Naresh, he responded to someone on Thanksgiving. That's the level of dedication here. So here's the next step. Book a time at GREinvestmentcoach.com you can do that now. That's where the calendar lives. There's no back and forth. Just pick a time right there that works. It's Free. Select a 30 minute time slot, and lately they've been available seven days a week. And you're going to walk away with clarity on your goals, your timeline and what's realistic for you, if you're tired of watching from the sidelines, tired of trying not to lose, tired of waiting for perfect conditions, and conditions are never perfect, well, this is your moment to play to win. It's pretty easy to remember to connect with a GRE investment coach. Visit greinvestmentcoach.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  36:10   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  36:38   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Our U.S. Economist Heather Berger discusses how larger tax refunds in 2026 could boost income and help support consumer balance sheets throughout the year.Read more insights from Morgan Stanley. ----- Transcript -----Welcome to Thoughts on the Market and Happy New Year! I'm Heather Berger, from Morgan Stanley's US Economics Team. On today's episode – why U.S. consumers can expect higher tax refunds, and what that means for the overall economy. It's Friday, January 2nd, at 10am in New York.As we kick off 2026, it's not just a fresh start. It's also the time when tax refund season is right around the corner. For many of us, those refunds aren't just numbers on a page; they shape the way we budget for many everyday expenses. The timing and size of our refunds this year could make a real difference in how much we're able to save, spend, or get ahead on bills.In the wake of the One Big Beautiful Bill Act, this year's tax refund season is shaping up to be bigger than usual. The new fiscal bill packed in a variety of tax cuts for consumers. It also included spending cuts to programs such as SNAP benefits and Medicaid, but most of those cuts don't pick up until later this decade. Altogether, this means that we'll likely see personal incomes and spending power get a boost in 2026.Many of the new deductions and tax credits for consumers in the bill were made retroactive to the 2025 fiscal year. These include deductions for tips and overtime, a higher child tax credit, an increased senior deduction, and a higher cap on state and local tax deductions, among others. The retroactive portion of these measures should be reflected in tax refunds early this year. Overall, we're expecting these changes to increase refunds by 15 to 20 percent on average. And different groups will benefit from different parts of the bill. For example, the higher state and local tax cap is likely to help high-income consumers the most, while deductions for tips and overtime will be most valuable to middle-income earners.Historically, U.S. consumers receive about 30 to 45 percent of tax refunds by the end of February, with then 60 to 70 percent arriving by the end of March. Because of the new tax provisions, we're anticipating a noticeable boost in personal income during the first quarter of the year. While we do also expect this legislation to encourage higher spending, it's unlikely that we'll see spending rise as sharply as income right away. According to surveys, most consumers say they use their refunds mainly for saving or paying down debt. This can lead to healthier balance sheets, which is shown by higher prepayment rates and fewer loan delinquencies during the tax refund season.When people choose to spend all or some of their tax refunds, they typically put that money toward everyday needs, travel, new clothes, or home improvements. Looking ahead, we do still see some near-term headwinds to spending, such as expected increases in inflation from tariffs and the expiration of the Affordable Care Act credits, which will most affect low-income consumers. As we progress throughout the year, though, we're anticipating steady growth in real consumer spending as the labor market stabilizes, inflation decelerates, and lagged effects of easier monetary policy flow through. On top of that, this year's larger tax refunds should give another lift to household spending.The boost to spending, along with other corporate provisions in the bill, should give the broader economy a push this year too. We expect the bill as a whole to support GDP growth in 2026.  But it then becomes a drag on growth in later years when more of the spending cuts take effect.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.