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Re-releasing a DAT listener favorite! Chris Sands and Brent Saunier are on the podcast to talk about the hottest topics in the dental accounting world. Founding partners of Pro-Fi 20/20, these dental CPAs chat with Kiera about how to reduce overhead and expand the number of patients coming in, expense metrics from the hundreds of offices Pro-Fi works with, a tax rule you NEED to live by, what to stay away from financially with your business, and a ton more. Pro-Fi 20/20 is an accounting business that the Dental A-Team recommend. This episode is a goldmine of information from two fellows who know what they're talking about — especially with regard to the dental industry. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today we are bringing you something so special. I am so excited because this is one of our most popular episodes from the archives. Whether you're hearing this for the first time or catching it again, I am so excited because it's jam packed with a ton of takeaways that you can start using right now in your practice. We have released thousands, literally thousands of episodes. And I wanted to start bringing a few of these amazing episodes back for you. So I hope you enjoy. And as always, thanks for listening and I'll catch you next time.   on the Dental A Team podcast.   speaker-0 (00:31) today I wanted to bring on two special guests. These are actually CPA in the CPA world. Believe it or not, Dental A Team actually consults this company. So we definitely love them. They went a step above most CPA companies and they really wanted to get to know the ins and outs of the dental world. So I'm super jazzed to bring them on and to just have them dive into some of the hot topics in the accounting world. ⁓ two people that I trust and recommend heavily. ⁓ I   They are one of my top three CPA firms that I refer and recommend constantly. So I'm excited to welcome Chris and Brent from Pro-Fi. How are you gentlemen today?   speaker-1 (01:06) Awesome, Kiera. Thanks so much for having us. We're excited to be with you.   speaker-0 (01:10) Yeah, absolutely. Brent, how are you doing today?   speaker-2 (01:12) I am doing great. I appreciate the invite. I'm looking forward to this 30 minutes with you.   speaker-0 (01:17) Yeah, absolutely. Well, who knows? We'll see how long this ends up going, guys. Brent, can't put a time on us. It could be dangerous zone.   speaker-1 (01:24) You're lucky he said he's doing great because we're in the heat of extended tax season, so he's kind of in the trenches. Lucky he's in a good mood.   speaker-0 (01:32) I know Tiffany has been trying to get back out to you guys to see you and Beth you heard this awesome rock star in the company She keeps saying like tiff. It's like extended tax time or it's this or it's that deadline I'm like, my gosh, you guys just have I think you're secretly adrenaline junkies of CPAs even though you don't come across that way But I think you love it cuz tax season I feel is just like adrenaline rush like trying to get to the deadline. I just can't imagine that stress like   Every quarter every year you just hit it. So props to you guys. That's not my world but super jazz to have you guys on here. ⁓ so Chris let's dive in I know there's some things so we're gonna kind of hit on overhead we're gonna talk about some taxing some Some things to be aware of i'm just so excited because this is a world I don't know and I do purposely bring really really talented and educated cpas and financial advisors onto the podcast because I'm we have a three-fold approach in our company. It's focusing on   Money and finances making sure your business is profitable you as a person and as an individual and then systems and teams top to bottom So I am big I think as a business owner. I wasn't profitable when I first started. I didn't know how to look at my numbers I didn't even know what the heck over influence. I was like googling how to figure it out So i'm just jazzing you guys are here. So Chris kind of take us away I know you had some great topics for today and i'm excited to just   Rift a little bit with you, dive into these things, things that are really tangible for our practices now, especially where you guys work with hundreds of offices across the nation. Lots of good data to be pulling out for our practices listening.   speaker-1 (03:04) Sure, well, ⁓ Kiera, I think that there's a lot of discussion around, does the DSO world seem to do a better job with overhead than the private practice world? I think a lot of private practice doctors are wondering that, they're frustrated or how do I get my overhead down? And a lot of times, I think when you focus on expenses, you tend to attract expenses. And in our world of accounting, I will often tell doctors that, ⁓   Accounting cannot make you money, it cannot generate revenue. The expenses part is the easy part for us that we can work on trying to reduce some things, but you either have a revenue problem or an expense problem. And in most cases it's actually, you creating enough revenue on your fixed expenses? And most of dentistry doesn't understand how simple that is to scale the dental business model when you look at it from a high level.   You scale a business and reduce overhead with doctor production. Okay. And so that means you need enough patients to see the practice that I worked in from my experience was 40 to 60 new patients a month per doctor, per full-time doctor. And it means you need to be reinvesting enough into marketing. And I'll talk about that, that expense or reinvestment of marketing in a minute to get those new patients. And you need to be.   monitoring the phones that get answered properly and there's conversion rate of those inbound calls to appointments scheduled. And then the real job is case acceptance. Okay, and so here I am in an accounting firm coming on your podcast and I bet you didn't think I was gonna like be talking about case acceptance.   speaker-0 (04:46) was like, wonder we didn't talk about all your time. I'm just kidding.   speaker-1 (04:49) So, know, dentistry is really the product that's being delivered. And if you're ethically diagnosing the need and creating the treatment plan, your job is to help the patient understand the urgency and necessity of fixing the problem and paying you to do that work. So your job isn't really the dentistry itself, it's case acceptance.   And your first task is to become great at case acceptance yourself as a practicing clinician. But then the real task as the owner is to be able to teach other doctors to become good at it. So I think, you know, the only the only variable overhead that the dental business model has is paying doctors a percentage of the dental collections that they create. And then you have labs and you have supplies.   associated with the dentistry that's delivered. those expenses are variable. They track with the amount of dentistry that gets done. Everything else is fixed overhead when you really think about it. Marketing is fixed and it only changes based on your choosing. Your team expenses are fixed and they only change when you hire or fire. Your rent and facility costs are fixed. Your equipment costs are fixed and only changed by your choosing. And the various required admin costs, they're all pretty much fixed. They only change by your choosing.   So if you can create more doctor generated collections with the same team and fixed expenses, your profit margin goes up, your percentage overhead, your percentage overhead to collections ratio goes down. Okay. And so I guess we see most private practice or single, should certainly say single location, solo doctor practices. We see them failing at this because they choose not to reinvest enough.   back into the business, into that marketing for new patients. They're not monitoring the phones. They're not training their team. They're not training their doctors on case acceptance. And they're too closely focused on just the clinical delivery of the dentistry. Don't get me wrong, that's required, but that's not what makes you successful or financially successful. So I can give you ⁓ some generic ranges for expenses, but the real thing is that   You know, the real way to scale a business is to generate more revenue on the same overhead. That's kind of the definition.   speaker-0 (07:20) And isn't that basically then probably the DSO model because they have lower fixed costs per se. They've figured out how to have centralized billing, centralized call center, centralized. So many things centralized that they don't need all these different things. So solo practices, if I'm understanding correctly, they've got all the costs associated, but they only have X number of revenue where when you start to add in those multiples of practices,   That's where your fixed costs, it's going, yes, of course your fixed costs will increase a bit, but I mean, I do know our fixed costs did not go up that much more when I added our second practice to it because I already have my base of fixed costs there and then we're just able to add more revenue. Is that kind of what you're saying? Am I understanding?   speaker-1 (08:01) Yeah,   I mean, you know, that, part about centralizing is, know, when you, when you do have multiple locations, I would say three or more, then you can consolidate the amount of team that's working the front desk into one location. Instead of needing three to five team members at the front desk in every office, you may only need three to five team members for all three offices. You're having one of the best things by the way, as kind of an aside, one of the best things that private practices can do as they grow is to get those phones off the front desk. You know, let.   speaker-0 (08:20) Right, right.   I agree.   speaker-1 (08:30) You know, like there needs to be, that needs to be in a totally separate admin space. But, ⁓ you know, I get asked that question a lot. Like my overhead is 65 % and how can I afford to hire another associate doctor and pay them 30 or 35 %? Well, you know, that doctor is going to create new collections. That's the point. It's not to give them your patients. It's to grow the number of patients coming in that, that you as one doctor maybe are stressed.   and you hire the next doctor and you've got to continue to invest in the marketing to keep your job as the owner is keep the chairs full, right? As long as the chairs are full, if that associate doctor is ethically diagnosing like you are, if you guys have a ⁓ clinical standard of care in your practice, if you guys talk about how you treatment plan and your treatment planning the same way, that's all required. But here's the real test. You know, how do they connect with people? How do they, how do they,   establish a relationship, establish trust and get them to move forward with that treatment. So I think dentists hate to use this word in dentistry, but the job is kind of sales. You know, if you believe in your product of dentistry to solve this need and like, again, if you diagnose decay and they don't get rid of it, you failed. I could go on a tangent on that, but the new doctor will bring new collections and you might have to hire at most, you know, an additional   speaker-0 (09:46) Yeah.   speaker-1 (09:55) Assistant or two and that would be a new fixed overhead. You would increase your fixed over it slightly But other than that the doctor covers all their costs with their their percentage pay the labs that are associated with it that the supplies are associated with it and You should net somewhere in the ballpark of 40 to 50 percent on the new collections they create and that that just adds to your profit Because all the other fixed overhead stays the same   speaker-0 (10:19) So I think there's a few things on there of like, I just, think it's a matter of realizing a lot of people bring on associates though, because they're tired, they want more free time. They don't want to be working as much. And I think it's important to clarify that if that's your model, that's totally fine. Everybody knows on the deadline team, I am not somebody who judges. I think everybody has their own personal path.   And so whatever jives with you and resonates with you. So if you're wanting to bring on an associate to have more free time, to not have to produce as much, fantastic, but realize that that overhead might not trickle down because now you're kind of replacing your cost with an associate that you're paying. And some doctors I know don't take as much pay as they would pay an associate per se, which to me, I think is a somewhat failed model. I'm really big on prepping and preparing for that associate, paying yourself as if you were an associate. So you know, these costs before you bring on an associate.   ⁓ but I really think it's important to note that because like you're saying that overhead will go down as long as the doctors are producing. And as long you're able to bring on that other doctor and have them produce, cause they should cover themselves. I definitely agree with that. ⁓ also I'm sure people are saying, yeah, but Chris, like in order to bring on another associate, I'm going to have to build out ops. That's a huge cost and expense. So I am curious, what have you guys found in Brent? You might have some answers to this Chris, you might. ⁓ but if an office is having to say, build out two more ops.   in their practice to be able to bring on an associate, how long does it usually take when you're doing build outs for that cost to be recouped and start being more profitable? Because oftentimes I do think that that gets into the problem with a lot of doctors is they're constantly building more to bring on these other doctors. So they're always adding more and more expenses. Like when do they ever break even? So what have you guys seen with build outs and different things like that of that break even point? How long should they plan for it to not be as profitable?   speaker-1 (12:09) Okay, I'm gonna give you a lot of answers on this. So number one, we use a metric called revenue per chair. So, you know, every, you   speaker-0 (12:17) What   do recommend? What do you guys recommend per chair?   speaker-1 (12:19) So yeah, everyone has a space and you have only a fixed number of spaces or operatories you can have in it. And there's only a fixed amount of time and days and hours and a number of doctors that you have. And revenue per chair capacity, we see a range between 25,000 to 40,000 per chair per month. And it does not matter when you do this. This is just, take collections and divide it by the number of chairs you have. ⁓   This does not matter how many chairs are for hygiene or how many chairs are for dentistry. That's your choice. Actually, you know, there are models where every chair can do everything and the patient never, but the 25 to 40,000 at 35,000 of revenue per chair, you're running fairly efficiently and you're going to need to be planning to expand. You're going to start to run out of space. So that's our metric first and foremost. And so if somebody tells us, well,   speaker-0 (12:53) Sure.   speaker-1 (13:09) I've got four chairs right now, but I have space for seven. I haven't built out the other three. I tell them, you don't need to build out the other three until you're approaching that $35,000 a month of revenue per chair. Question you asked, how much does it cost and when do you recoup that? So in my experience, typically it's around $25,000 per ⁓ operatory to equip it, assuming it's already plumbed. ⁓   after you just take that number and say, so let's say you were equipping a few operatories, so $50,000, you ⁓ essentially, your cost of the doctor plus the lab and supplies should max out at 50%. Okay, now they have to be producing. So until you get them, they've produced over $100,000. All right, let me do it per chair.   They need to do over $50,000 per chair for you to get your costs back. After that, you're in the money.   speaker-0 (14:09) which I think is also smart because I don't know. think dentists kind of err on two different sides. Sometimes they're too slow to actually build out. They are so cost conscious and so concerned about that build up, about the cost of the chair, about all the other things that they're missing, that that one chair is going to generate several thousands of dollars of revenue. I've had a few doctors where I'll say, sure, no problem. We'll do a deal. I will happily pay for that one chair and you pay me all.   the revenue that comes through from that chair for the next three months. That's all I ask is three months. and I know I'm going to come out way ahead of you because it will generate and it will produce, especially in high producing practices. So I think so often people are just so scared to do those build-outs because they see the cost or they do the flip side where they believe like, if we build it, they will come and they're overly aggressive and they don't have necessarily the patient base or the doctors in play to be able to accommodate that. So   I love, I need to agree. It's either cut costs or increase your revenue. Like that's really overhead.   speaker-1 (15:12) One more way to think about it is, you know, if they have patients that are having to wait so many weeks or months to schedule out to come in. if you can calculate your collections divided by the number of patients seen for any given time, for year to date or for a full year, you can get your average revenue per patient. Okay. And if you know your average revenue per patient, you know how many either new patients or how many more patients you need to fill that chair to cover the cost.   Okay. So if your average revenue per patient was, you know, $1,500 per patient, um, and the cost of that chair is 25,000, just take 25,000 divided by 1500. And that'll tell you how many patients have to be seen in that chair before you pay for that chair. Sure. You're to be in the money, you know, it's in terms of the construction. That's another basically upfront, one time fixed costs that you're going to cover. And then all the future revenue that it's going to generate. So.   Maybe if you like, think before we end this topic on overhead, I'll give you kind some of our expense metric. ⁓   speaker-0 (16:18) Sure, yeah, absolutely.   Well, hang on, before you go into expense metrics, I want to bring up one piece that I think often gets missed, because you're saying like we're in the money. But I also want to bring up something that I really love to point out, and that is return on emotion. Some people don't want to bring on an associate. Yes, like as a business model, you can be more financially successful with an associate. Yes, you can, having more chairs, more build out, more practices. ⁓ But I also want to point out there is a return on emotion. There are sometimes   Bigger headaches, they're also sometimes less headaches with bigger organizations. I personally love to consult larger practices. The pettiness, the cattiness, the smaller drama is way less in larger practices or multiple locations. So like that drastically drops down. They figured it out. They're dialed into systems. But at the same time, I think it's important for people to assess that return on emotion. You might have a dreamy life. You might be doing exactly what you want and sure you could produce more.   But if you're off work at say two or three o'clock every day and you work two or three days a week and you're shelling and seven fifty to a million in profit, not a bad lifestyle. So I think it's also important to assess like what you ultimately want and what your return on emotion is before just saying like, I'm going to build because this is the way to do it. I think if you're looking at your practices as a business model, which I personally think a lot of us should look at it that way, ⁓ just to see what you what you ultimately want, what's your end game. And that's also where I love financial advisors of   Like what is your total term? Like where do you want to get? Does it make sense to grow? Does it make sense to stay where I'm at? ⁓ I think oftentimes we, we forget that return on emotion and how that is. We always think of like return on investment, but what does that return on emotion too? So just want to put a plug of like, I think everyone's on their own path, their own journey. Definitely agree. There are lots of ways that you can be insanely profitable and having multiple practices is a great, great, great business play. And you're able to help more practices. I'm all in favor.   You're gonna have multiple locations. Make sure you're doing awesome dentistry because sure, it can be very lucrative. Just be ethical because I think that plays out long-term. So Chris, with that, what are some of the metrics you guys look at? Because I agree, I love to hear people's metrics. I think we're pretty closely aligned with you guys on metrics, which is another reason I really love working with you guys and your clients.   speaker-1 (18:32) So I think if you ⁓ were to survey the Academy of dental CPAs and all of their, what you see them put out statistically, they're gonna tell you the metric of one to 2 % for marketing. When you go and you immerse yourself in the DSO world and their conferences and get to know what they're doing, you're gonna see more of an average of six to 8 % reinvestment into marketing. DSOs have a harder time with retention. They have more patients going out the back door. Private practices.   degraded retention, but they don't often invite enough people to the party. So we don't go by the one to 2 % number. think that's an area where people try to, they're trying to keep costs down. You know, your business is the greatest asset that you own that provides the greatest return and you have the most control over. So you should be reinvesting in it more than you reinvest in the stock market or anything else. So our metric for marketing is three to 8%. Private practices, like to see at least three to five.   I mean, excuse me, in GP practices, in specialty practices, especially like orthodontics, needs to be on the higher end. Team expenses between 20 to 30%. We certainly try to keep that under 30%. Team expense does not include doctors. Okay. So that's all of your, all of your, uh, your, your entire team, including a hygienist as well, but not doctors, uh, dental supplies somewhere five to nine, five to 10 % labs.   speaker-0 (19:36) Yes, absolutely.   speaker-1 (19:58) four to 7%. So again, those dental supplies and labs really should not be greater than roughly 15 % total. Rent and facilities, five to 9%. What does that mean? So if you have a high percentage in your rent and facility costs, if your rent facility is let's say nine, 10, 11%, that means you're probably not maximizing the space and getting the collections that is possible there. Again, using that revenue per chair metric.   When you're on the lower end, if you have 4 to 5 % rent of facility, means you're running very efficiently. You're probably going to be running out of space and need to expand or potentially relocate or get another location. And then there's general administrative costs somewhere in the range of 4 to 10%, depending on the practice type and what additional folks they have.   speaker-0 (20:48) Cool.   speaker-1 (20:50) That's it on everything.   speaker-0 (20:51) No, I love it so much because I think so often people don't look at their P &Ls and they don't even know what they should be targeting for. It's just like, well, do I have money left over or do I not? And then I don't know. like all of that combined should equal about 50 % there. Is that correct? Those are 50 % and then doctor pays 30 % to give a 20 % profit margin. And then you subtract debt services from that. that kind of your guys' model? That's what I've heard. It's what I typically recommend.   speaker-1 (21:18) Roughly. mean, yeah. You know, I, the most ideal is that I think when the average doctor starts to work with us, their profit margin is in the twenties, the 20 % range. our goal is to get them into the forties. Okay. And everyone does chase this like 50 % number, but I will tell you that eventually if you have to scale again, if you have to reinvest, that's the part like you're, drive yourself nuts. Would you rather have, you know, 50 % of 1 million or do you rather have 40 % of 3 million? Right.   You know, and that's that. So it's not always just about that overhead percentage. Uh, it is about if you choose to scale and you're, you're buying, you're reinvesting some of your, your overhead percentage, you're reinvesting some of your money to buy back your time. Like you said earlier, okay. Um, whether that's on multiple doctors or not, you know, being a slave to the chair is difficult and high risk to you as a business owner. It's one of the riskiest business models there is.   speaker-0 (22:12) Right.   I think that that's such a good point.   But guys, you don't know, can, Pro-Fi is fantastic. You can reach out to them, have them help you with your PNLs. Also your current CPAs, you can get a chart of accounts and give them these percentages and say, this is where I want it to be. Help me get there, give me some information because a lot of CPAs are not dental specific and they might not know these industry standards. And I agree with you. I also think it's important to think of growth years and also profit years. Some years you are definitely massively.   reinvesting into the practice and you might not be sitting at as high of an overhead, but you're doing it with the intent. Like when I bring on new team members, when you bring on new doctors, your overhead is going to go down. It should go down because you are investing and you're growing, but you need those people. This year on Dental A Team is a growth year. I am heavily bringing on new team members. My overhead is not as great as it has been in the past years. But if I, like you said, chase that X number of overhead and never invest in that growth,   I can't get to the next level of where I wanna go. So I thought that was really, really helpful. Thank you for that, Chris. And I know now we wanna spin over to Brent. Brent's been hanging out silently over there of some tax things. And I do love that you guys ying and yang on practice metrics because that's what we're all about. And then the tax world that I'm like, here's the thing. Here's my take on taxes. I am so grateful to live in a country where I get to pay taxes to have my own business. Like I truly think that is a massive blessing of the country we live in.   With that said, I also think it's my responsibility as a business owner to be as savvy as I can on taxes and not overpay on taxes because I'm just dumb and I'm not actually looking at strategy using smart people beyond myself to do it. So Brent, I'm so jazzed. Talk to us kind of about some tax things that you've been thinking of that your clients are dealing with.   speaker-2 (24:00) Yeah, absolutely. So I remember a few early evening calls with you and you're calling and saying help.   speaker-0 (24:06) It was in December last year, like literally right before the end of the year. And I was like, Brent, I owe so much dang money in taxes. Any ideas? It's fine, guys. It's fine.   speaker-2 (24:19) One of the foundations of Pro-Fi that we built it on is education. So we are very big believers in educating our clients to understand, first and foremost, how do you even generate taxes? So the number of conversations we have with dentists that just don't have a basic understanding is really astounding to me. So we first take an approach of, you have to understand how do you generate income tax? You generate income tax by the salary or W-2 you take.   and profit. The key thing here is it does not matter if you take a dollar of that profit out of the business, you still owe tax on the profit. So here, when you're looking at your P &L, let's say a doctor has a half a million dollars of profit and they choose not to take it home and leave it in the business, they will still pay tax on half a million dollars. I had a call today, the exact conversation is like, why didn't take any of the money home?   speaker-0 (25:18) It doesn't matter. were profitable brother, sister, like rock on. Happy day for you.   speaker-2 (25:23) You know, as Chris was alluding to, if you choose to reinvest in the practice, do marketing or other items like that that are deductible, that will obviously reduce your burden. The second thing, the second biggest mistake is don't underestimate your effective tax rate. So Chris and I have, we call it, I guess the golden rule or the 40 % tax rule. And that is geared towards over-preparing a business owner when it comes time to send in those quarterly estimates.   And I'll come back to that one in a minute, but the 40 % tax rule, if you have a pen, I would write that down because that is a rule to live by. And also ask your CPA advisor, whoever they are, whether it's us or your other another CPA, ask them before you make the decisions. So I got a call yesterday from a doctor in South Carolina. He's like, hey, I want to buy a machine that's going to cost me $85,000. My equipment rep said I'd get a 40 % tax deduction.   Just about that much.   speaker-0 (26:23) That was a clever salesperson.   speaker-2 (26:26) Yeah, they all do it. We love equipping reps. No badging equipment reps. But understanding, depending upon your entity type, whether or not you will be able to deduct that in the current year is a huge thing that you have to understand. Chris and I have seen so many doctors over the years that have come to us after the fact. And I think we've done a great job of educating, hey, I bought this equipment, it's $100,000.   When we do the tax return, it's like, you're not involved deducted. They're like, why not? The equipment reps that I could. So just make call your advisor before you do it. That's the best thing you can do for yourself.   speaker-0 (27:02) Well, and I, to that point, I just say like, you should have experts on your board as a business owner, people that you genuinely trust for taxes. And like you said, ask them, ask your rep about the best products and what they're seeing of results within the patient's mouth. Cause that's where they're experts. But I'm just going to put a massive plug, like, gosh, the number of dollars I have spent personally, because I didn't ask,   If we can save anybody even a couple of grand, like you're welcome. You're welcome. Just ask, ask before you do it.   speaker-2 (27:36) Right, absolutely. Then I kind of look at what are some things that you can do to make sure you're not blindsided by that tax surprise? ⁓ One thing we do is we always recommend in your business, you have to run multiple bank accounts. And one of those bank accounts is a tax savings account. Your business should fund and pay for your personal tax bill. So think about like ⁓ grandmother's cash envelope system.   create different buckets in the business, move the money out of your OpEx account because, know, like for me, if I have 20 bucks, $20 in cash in my pocket, I'm going to spend it. But if I put it away in the bucket where it's intended, it'll be there when I need it.   speaker-1 (28:18) My bucket, right?   speaker-0 (28:19) Yes, you can just send them my way this year Chris. It's fine Brent. It's fine I'll take him but Brent I want to speak so highly to that because ⁓ It really does help. I will also put a plug of like have really good financial planners and tax planners with you because I am actually really really good at saving money for taxes What I really get frustrated with is when it comes to December and I have been saving and I have been putting that away ⁓   And then they're like, Kiera, you owe an extra X amount. And I'm like, what the heck? I've even saved this. So that's where I also think it's really pro to have really good CPAs that are that actually no tax. So I am curious. You guys tell me the truth, because I don't know how this works. I'm not a CPA, but I swear every year I get a call December 1st and it's like almost a double what I've already saved for the whole year. And I'm a saver. Like I don't spend a dime in my business.   speaker-1 (29:14) call you get all year long, Kiera.   speaker-0 (29:16) It's not well, I have a monthly call with them and we even plan for taxes, but this year my quarterly taxes It's okay guys. I'm interviewing new cpas. It's okay. my cpn doesn't listen to the podcast I don't think if so, it's great. We've had a good run for several years But like that's where I get a surprise. Is it common? Should you be getting a surprise call on december 1st? If you've got good tax people, and you've been planning and preparing and putting money aside all year long is that   speaker-1 (29:41) As you answer this question for her and I would go over safe harbor estimates, but Kiera to set you up for what Brent's going to say. What happens is somebody tells you a number and you kind of start to operate like a zombie and you're like, okay, I put that number away, put it away and you did it. And you're like, okay, I put the number where you told me, but at the same time you're trying to grow your business.   speaker-0 (30:06) To that point though Chris I'm gonna like back on this because I think I'm actually a really smart business owner But every freaking year this happens. I'm trying to fix this and hopefully someone   speaker-1 (30:15) I think it has to do with your growth.   speaker-0 (30:18) I   overestimated what my growth would be this year. So I said I was going to be double what I was last year and we're coming in at about a 70 % growth of what I was last year. So I gave my CPA a 30 % extra window to project on me and we're still coming up a hundred, I'll say a different number, but I'm coming up more than I had saved.   almost three times as much as they had saved for me. cause I get burned every single year. So I'm like a squirrel with nuts and I put away for tax savings in my company because I never know what I'm going to owe. And it scares me. So with that said, I agree with growth. If you can, if you can project where you're going to go and you're having consistent quarterly meetings with your CPA, is it common to still have a massive like uptick in December? I would ask.   speaker-1 (31:04) No, it's not.   So look, to keep it simple, like, you know, I'm kind of talking on the managerial accounting side of things and Brent's talking on the tax side of things. If you're meeting with that accountant and you look at that bottom line profit, okay, you owe 40 % of that profit, whether you took it home or not. And then if you made any estimated tax payments, you can subtract those tax payments from that 40%. Okay. ⁓ And then you can apply some deductions and maybe bring the number down.   speaker-0 (31:24) Agreed.   I'm asking for a friend hashtag myself right now I mean I get better every year around taxes because I hate the surprise and I think most people do but I also wanted to point out I'm like I think I'm pretty savvy with business I talked to a ton of CPAs like this isn't like my first day running a business So and I'm happy to hear and with that 40 % So here's another thing that I've also which maybe I'm just dumb Maybe I'm just coming around the block to this so you guys can tell me ⁓ but it's 40 % of the profit correct like   And that profit also includes my W-2 as a business owner. So I've got to like...   speaker-1 (32:10) That profit is after your W-2. Hopefully your W-2, you have normal withholdings. Sure. you're like zero or one, you can kind of pretty much say, hopefully the federal and state taxes are all withheld from that for you. Right. have to worry about it. Okay. It's the profit that's left over after your W-2 and all the other expenses of the business you have 40 % on. So Brent, tell her about what happens at the beginning of the year.   When we talk, they those first estimates. think everybody starts to like, they get glued to the estimates and they never update them.   speaker-2 (32:41) Yeah, so a couple things. So, Kiera,   speaker-0 (32:45) Call   you in December, Brent. We're going to have this conversation in year two.   speaker-2 (32:49) Maybe we should start in January for next.   speaker-0 (32:51) I like that strategy is much better. I'm like I've even I started my tax meetings in July this year guys Like this is how much I'm paranoid and I'm like they're just shelling a ton on me again And I'm like how does it happen every year? I don't I don't understand so   speaker-2 (33:05) Here's a trend I noticed over the last four years. you know, there was in 2017, there was the Tax Cuts and Jobs Act, which changed the tax code. also changed. There's also been changes to the payroll tax tables. So I would take UW2, look at your federal tax withheld and divide that by your taxable wages in box one. More than likely, it's going to be in the 10 to 12 % range.   If you were in the 40 % tax bracket, you're already 30 % short on your taxes. Let's say you pay yourself $100,000. If you're 30 % short, that's a five digit dollar. So that's where I'd first start. And that is very, very, very common. You will not see any withholding in a W-2 being over 25 % unless you manually requested that from the payroll company.   speaker-0 (33:39) Right.   speaker-2 (34:01) bonuses or automatically taxed at 25%, but your regular payroll is probably in the 10 to 12 % range. So that's one reason it's happened. What Crystal's talking about, so let's say that we prepare your return in April. So let's say your 2020 return and every accountant will do what's called a safe harbor tax estimate, which basically says your estimates will be 110 % of your prior year tax.   speaker-1 (34:30) The IRS wants you to put 10 % more than last year away, like pay them in advance. They like you to do it quarterly because collecting money once a year is a bad business model.   speaker-0 (34:40) And it's a bad business model.   speaker-2 (34:42) So like Chris said, when a client gets those estimates, and let's say they're $25,000 a quarter, they are fixed on $25,000 a quarter. So what we do is with all of our clients in June and early July, we actually run tax projections or mock tax returns the upcoming year. We pull their year to date profit, we get all their deductions and we project out if that original safe harbor estimate has changed.   Then we do it again in November and early December to make sure that you're still on track and also looking for additional ⁓ tax strategies. But to answer your question from earlier, should you be surprised with a big number? No, not if you're doing proper planning.   speaker-0 (35:30) with like a little variance, but I just want to point that out because I think so many business owners get scared of taxes and this year, don't worry guys, it's on my vision board by the age of 36. I will be a tax expert. I look at it every single night. I have no desire to be a CPA, but I really think it's important as business owners to educate yourself on taxes and like you said to plan and to save for it because otherwise it's just this always surprise bill that creates stress. For me as a business owner, I know often I just feel like   I don't dare spend money because I'm gonna get hit with this big unknown. And so I'm like this girl, I literally have four tax savings accounts in my business right now. And they're in like four different business accounts, so my CPA can't see them all. Because I'm like, you come to me every year with this huge surprise and every year it's like double what I thought you were gonna say. And like I'm grateful to be very successful in what we do. However, I don't think business owners should be surprised, especially if you have a good CPA. So I just wanted to like find out like, that normal?   I feel like I'm on the anomaly, but good to know on that.   speaker-1 (36:33) Tax surprises cause cash flow problems.   speaker-2 (36:39) So Kiera, let me quantify that one of   speaker-0 (36:41) Guys,   don't worry. Everyone on the podcast, this is a Cura therapy session. You're welcome to be attending this. So we're glad.   speaker-2 (36:48) So can there be a tax surprise? Yes. The reason the tax price might happen is if you told your CPA, hey, I'm going to be doing these improvements and they're going to be done by December 31st. If in December you tell them, well, it didn't work out and I'm not going to have all these expenses. And yes, you're going to, you're going to get a surprise because you didn't, your plan didn't follow through. The other thing is talking about the separate tax account in the business. It's,   speaker-0 (37:12) That's fair.   speaker-2 (37:18) Absolutely recommended, but the most important part is you cannot spend it on anything but your tax bill. You cannot not rob Peter to pay Paul. That is probably the biggest mistake you could make is saying, well, I'll take it now. I have eight months to put it back in.   speaker-0 (37:34) That's like that makes my heart stop. I feel so stressed for people and also for anyone who wants to know like you I wish you could see the zoom right now with me Brent and Chris You know these guys love what we're talking about because Brent is literally getting like so excited and so animated talking about this So that's just when you know people are good at what they do I get so geek I'll geek out on dentistry and systems and like how we can help you and they're jazzing about some some tax benefits here So I agree. I think that if you aren't doing that, I also like the thought of 40 %   Do you guys recommend, because I know another piece to it, which I realized this year was like charitable contributions. I'm LDS. And so having charitable contributions, 10 % is something that I was like, that was funny. We didn't prepare for that. So that's like another check that I wasn't planning. And then also like SEP and 401ks. Do you guys have anything that you recommend for that of having a tax savings fund, but also building up those other funds and those payments that you'll be making to reduce your tax bill? Yes.   but those are also pretty big expenses, depending upon how your business does every year. How do you guys manage or navigate that? Or should I just be saving more? Because again, I'm like building these funds up to this, I've got four accounts, because I stress out about it.   speaker-2 (38:44) So Chris, I'm gonna let you take that one on the cashflow. It's really cashflow planning.   speaker-1 (38:48) Yeah, a lot of questions in there.   speaker-0 (38:50) Cool, like I said, this is why I podcast guys, because I can ask my own personal questions.   speaker-1 (38:57) In terms of okay, should you be doing okay. what do you want me to start a chair charitable chair?   speaker-0 (39:03) Just   like I think that a lot of people might get quote-unquote surprised at the end of the year because not only do we have a tax bill to pay, we have charitable contributions that we're paying. We also have 7401Ks. Like there are quite a few other funds that need to be paid out again to reduce our tax bills to help us. But those are also cashflow that you need to have on hand as a business owner to be able to front that money. So I've been also thinking that could be why other people feel like it's a surprise at the end of the year, just all lumped into taxes when it is just other pieces to help reduce that tax bill for you.   speaker-1 (39:33) if   something is important to you, then it needs a separate bank account. if charitable giving is important to you, I think you should have a separate bank account so you can visually see that you've got it ready to pay. And in order to make it tax deductible, it does need to be a 501C3. can't just be any random, say, it's... Right? So ⁓ when it comes to all of the retirement accounts, mean, ⁓ 401Ks and IRAs and simple IRAs and all of that,   speaker-0 (39:51) about last year.   speaker-1 (40:02) Roth, that's like the smallest fraction. That's like the, you know, the entry level league of the tax code in terms of savings. And it's, it's really kind of the stuff that the masses can do. I certainly think it's important to save and save for retirement. think when you're a business owner and let me say this, mean, upfront, I'm a contrarian. I think when you're a business owner, you have to be a contrarian and know that not everything applies to you the same way as everyone else. Sure. I, my bias is I have a much.   stronger tendency to say, you know, spend the money in your business or put the, I should say, invest, reinvest the money in your business for growth, because it's going, there's an asset value to that, to that business. need to learn what that is and what you one day can exit it for. And it creates, gives you the most, you know, income. ⁓ If you put money into a 401k or you put money into marketing in your business, you get the same tax deduction. So that's a question. If you're looking for like year end stuff, you know,   You could put the money into the, into the retirement plan, or you could prepay some expenses for next year. ⁓ You lot of people, think don't trust their business, which is weird because it's the thing you have the most control over, but they don't trust their own business. Typically it's cause they're not really great at managing their own cashflow and having discipline. And so they're, they're hesitant to invest the money in the business. And they'd rather go roll the dice and put it in the stock market. And at the time of this podcast recording, let me tell you.   We are in a recession. It has already begun. Everything is very high. Stock market's high. Real estate is high. Your business is one of the safest places to put your money right now. It provides you an inflation hedge, okay? And it creates revenue. ⁓ And it's tax deductions. I'm a big believer in putting the money into your business or getting another business. I think Brent can talk about, know, people ask us like, what are some of the largest   speaker-0 (41:47) Right.   speaker-1 (41:56) deductions you can play in. Like what, are the bigger things you can do outside of a 401k? Tax deductions. Generally speaking, the tax code rewards you for doing things that improve our economy. And that's primarily investing in businesses, you know, adding another location, employing people and commercial real estate, commercial real estate is a big one. Again, commercial real estate's really high right now. It may not be the perfect time to be buying or building. Cause all of the costs are really high.   save that cash, even if you have to pay some taxes, save the cash for liquidity for the tough times. when this recession happens, most practice owners are going to stop investing in their business, they're to stop marketing. And you got to do the opposite. That is the time where you can do all of that at its lowest cost. that's when millionaires are really made is during recession. So I'm going on a tangent now. You got me passionate   speaker-0 (42:50) No,   I like it. I like hearing it because I like thinking of other things. think so often you said it really well of business owners want to contract. They want to not reinvest in themselves. It's like, well, like let's put it in the stock market because that's what I heard that we should do. But I really do love that mindset. And that's why I love podcasting. That's why I love talking to different people. This is why I bring you guys on here because I purposely, intentionally bring different ways of thinking out there. You've got to make your own decisions.   But I'm a big like when people are zigging, I want to zag. So right now real estate's hot. Commercial's hot. The stock market's hot. Like I literally am sitting here just thinking like, here, just sit on some cash. Like, like you said, I might have to pay more taxes on it, but sit on that cash because you know, it's going to drop. And during that time, that's when you do the exact opposite of what everyone else is doing. So I really love that advice. And I think it's wise and it's prudent. I also love what you said, Brent, of having the 40%.   A lot of people say do 30%, but agreed a lot of dentists do tip into that 40 % tax bracket. And I would much rather over prepare than under prepare. Chris, to your point, I really love also having the buckets for like we said, charitable contributions, if you're going to do ⁓ 401ks, but I really, agree with you too. I think reinvest in your business. Look to see, I do end of year spending. I look to see what I could reinvest in, what things are gonna propel us the most. I look at marketing, I look at website rebuilds, I look at.   Different softwares that are going to propel us forward different ways to make our our practice more efficient What things are really going to invest in our company and our team? To make it and then I just do fun things like, know trips places I definitely don't get much ROI on that except for emotional ROI, but I know I know this is a longer podcast guys I really hope and I also hope team members listening realize that this is not just for business owners. I think that this is also   Individual tax prepping make sure you are preparing look for ways that you can reinvest in yourself What things could you prepare for what things can you build out? Do you have separate savings accounts for different things that you're going to maybe you don't have to save for taxes But guess what maybe one day you will be a business owner So teach yourself the discipline to save now to look for reinvestment. I also think is super valuable. So I want   speaker-1 (45:05) team members, for those team members, what side hustle can you create? What side of business can you create? know, and what, what commercial or what even residential property, rental property could you create to give yourself rental income? And there are deductions that come along with that. But if all you do is just do your day to day job, whether you own a business or don't own a business, you're not going to save anything in taxes, nothing significant. got it. You got to create some value in the world out there.   speaker-0 (45:29) Agreed. say deliver the biggest and best value. So you guys teased me. So I want to wrap up our podcast with some things to not be doing. You guys have kind of like a hit list right now of some things, some tips that a lot of us might be doing that are cracking down. I know I have been privy to some of these things as well. So take us away. We'll wrap this up with just some, some of that hit list of what not to do. ⁓ and   you know, as we get in there, thank you guys for sharing all that you have. Thank you for doing a personal session with me already. So I'm excited for the hit list now.   speaker-2 (46:01) So I would say the biggest one that I've seen is the fascination that doctors have with crypto.   speaker-1 (46:01) Go ahead, Brent.   speaker-0 (46:12) Brent, it's because we're bored. We don't know what else to do with ourselves, so we're like, why not throw a little into crypto?   speaker-2 (46:17) Here's the problem. So I have about a half a dozen doctors over last six months. They called me and said, Hey, I put $200,000 into the crypto market, Bitcoin. And I'm like, really? Where did you, where did you write the check from for that investment from the practice? Here's the problem. If that practice is an S corporation and they invest that money in crypto and they hit it big, they could potentially blow up their IRS S corp election.   and the IRS will take it away from you. So if you're gonna do investments, do not write the check from your practice. You can take the money home as a distribution, then put it into crypto, but do not do it through your business.   speaker-0 (47:01) This is a moment where I just had like a, I'm like, good. I'm glad I did that at least right. even knowing. Why is that?   speaker-1 (47:03) Sorry.   So that one, I mean, that one can cause some serious damage. ⁓ But the other ones that I think nobody wants to hear when they're listening to this, and I get in all these battles on social media, Facebook groups and all that. But the two things that come up over and over and over again that everybody's kind of cheating on and they're going to get busted on is number one, paying employees and especially dentists and hygienists, paying them as 1099 contractors.   This is going to get you in trouble not only with the IRS, but with the Department of Labor. And there are some significant penalties. There is a black and white 20 question checklist that the IRS provides. You can Google that. You can find it directly on the IRS website. And it goes through a checklist of yes or no questions to determine if you qualify to be a 1099 independent contractor or if you fit the requirements of a W-2. And to simplify it,   The main thing is the element of control who controls the schedule, who tells you which patients you're seeing and when who's providing all the materials and the tools and equipment. And 99 % of the time, anyone in dentistry falls under the category of an employee. Pretty much have to be a specialist that owns their own separate practice already coming in part time in order for you to 10 99 them. And if you're 10 99ing them, you're 10 and you have to do it to their business. The other thing that doesn't work is when, you know, they're like,   Oh, I'm an individual doctor. I'll just set up an S corp and you can 1099 my escort. The IRS is not stupid. Again, they're they're looking at what are your what is your role within that that place that you're receiving the income from the revenue from. So anyway, everybody hates that. But I'm telling you, I   speaker-0 (48:58) I   don't think it's a, it's not a good place to play with fire. Um, I have a really, really, really awesome unemployment lawyer, um, and employment lawyer. He represents Uber Lyft Red Bull. He's in, um, San Francisco. If you guys need him, he's amazing. Reach out to us. Hello@TheDentalATeam.com. Um, but he told me he said, Kiera Uber and Lyft, which I personally think I'm no lawyer guys. I'm not there. Uber and Lyft to me are the epitome of 10 99 contractors.   but they are, ⁓ they're coming down, they're cracking down on it. And ⁓ I have heard that it is no longer just a small offense. It's a pretty big offense if you misclassify. To me, really, I'm a risky person, but I believe in being smart and also paying people the way they should be paid. As much as it's not fun, we transitioned our whole company and I just think play that one safe because labor laws are not something to ever mess with, in my opinion.   speaker-1 (49:51) Yep. And you know, the government has shelled out a lot of money through this pandemic and they've got to collect it and get it back. And they're going to get that back from small business owners. And, ⁓ you know, our, our dependent care systems of Medicare and social security are very fragile right now. And that's the one thing they do not want you to screw with. And so they collect that money through W2 payroll. They're going to, they're going to force more and more than everybody's W2, especially in the occupation of dentistry. Second thing is the cars. Okay. Everybody wants to run their cars through the business.   You might be allowed to run a car through your business. It depends on what type of business you're in. If you're in real estate and you're showing houses and you're driving your clients around, you can probably write your car off through your business. But in dentistry, you're going to sit across the table from an auditor and they're going to say, what does a car have to do with the business of dentistry? The IRS tax code says that your business expenses must be ordinary and necessary to the business for them to be deductible.   What does the car have to do with the business of dentistry? How is a vehicle ⁓ justified as 100 % business use as a necessary use in order to do dentistry?   speaker-0 (51:00) What if it's a wrapped vehicle that's marketing?   speaker-1 (51:03) That's different. there are very specific guidelines in the IRS tax code about what is marketing for a vehicle. must be fully wrapped. It can't just be magnets. It can't just be stickers. But it has to be significant that's used for marketing. What we find is not a lot of doctors want to wrap their test up.   speaker-0 (51:23) Because they're ticked off with the patient that Ruekinaal didn't go super well and they're cutting people off on their drive home and you don't really want your flashy business to be that car.   speaker-1 (51:31) Right. I mean, and to make it legitimate, mean, the car has to be legally registered in the business name. It has to be covered under business insurance, not your personal insurance. The loan has to be under the business name, not your personal name. And there's a, you know, most people are not doing that. They're doing, they're buying it personally. They're just making the payment out of their, out of their business. And they think that they can deduct the whole thing. And this is not true. There's even greater scrutiny if the business tries to buy, if the dental business tries to buy a vehicle.   and depreciate it, take it as 100 % use. So I know people hate to hear that, but I would just caution everyone listening, stay away from 1099 and cars in your business. But everyone's.   speaker-2 (52:12) doing   it!   speaker-0 (52:13) I heard a really great quote one day and they said Kiera everything's deductible until you get audited and I was like That's really good advice. I appreciate that. So guys, ⁓ Chris and Brent. Thank you guys for coming on the podcast Thank you for being people that I can call Brent. Thank you for being my December, you know midnight hour friend I loved last year. You said care. There's really not much we can do. Maybe we should have done this in January. So ⁓   But truly, I just appreciate you guys helping so many doctors. know you help a lot of our clients. Shout out to those clients that we mutually work together. I love working with CPA companies. I think we're a good peanut butter and jelly together. We help grow the practice, make them more profitable. You guys make sure that their books are in line. Give us the guiding stars of what levers to turn to help the practices. You take care of the taxes. So it's a really good yin and yang and   I hope all of you listening today found a lot of value. Team members, look at this for yourselves. Get the side hustle. I hope this spurred some, some topics, some conversation. Team members, can also help your practices reduce that tax bill. look for ways that you can spend end of year, just different things. So I definitely think team members have a lot of play in this as well. So Chris and Brent, thank you guys so much. It's super fun. If people want to connect with you, ⁓ maybe they're done with their CPA. Maybe they just want to find out if.   There might be another option out there. How can they connect with you? I know you guys specialize in DSOs, larger group practices, but also the solo practices as well. How can people connect if they're interested?   speaker-1 (53:40) Sure, so check us out online at our website, Profi2020.com. That's P-R-O-F-I-2-0-2-0.com. ⁓   speaker-0 (53:47) You did   that because 2020 was such a great year that you guys want to remember. ⁓   speaker-1 (53:53) That marketing plan went out the window. It was 20-20 clarity to give you clarity on your finance.   speaker-0 (53:54) No.   I   just thought I'd throw it out there. So no one will forget Pro-Fi 2020. 2020 was most memorable year guys. Don't forget it. They don't want to forget it ever.   speaker-1 (54:07) We have tons of free videos, a lot of great content on there. Check us out on our YouTube channel, all social media, know, at Profi2020. We're very easy to find. ⁓ But we're managerial accountants. It's way different than financial accountants out there. Make sure you look up that difference and know what you're asking for. ⁓ And we always do free consultations for anyone who would like it.   speaker-0 (54:29) Awesome. Well, Chris and Brent, thank you again so much, guys. Go check them out, Profi2020. Chris and Brent, they are the owners of the organization. So super grateful for you guys coming on here.   Kiera Dent (54:38) I hope you all loved today's episode as much as I did. It is crazy to think that this many episodes have been released since we started the Dental A Team Podcast. And I started looking to say, my goodness, our listeners need to be reminded of some of the things they may have learned a year ago or two years ago or five years ago, because so many things in our practices weren't relevant back then when we heard them, but they are relevant today. And I would be doing you a huge disservice if I didn't re-release some of these episodes for you to remember, to refine.   to optimize and really truly if you ever need a topic or you're like, my gosh, I wonder if the Dental A Team has anything like this, go onto our website, TheDentalATeam.com, click on our podcast tab and you can literally search any topic. So whether it's overhead or hiring or firing or team morale or engagement or case acceptance or hygiene   onboarding or whatever it is, we have so many episodes for you. And so I am going to intentionally be   re-releasing some of the top best episodes for you, pulling back some of the ones that I needed to remember, some of the things that I feel for you to really, really relearn right now and to re-remember, or if it's the first time, welcome. I'm so happy you're listening to it, but I hope you truly enjoyed today's episode. I hope that you share this with somebody. I hope that you go and implement today because we only have one day. We only get today. And so making today the best that it possibly can be. If we can help you in any way, shape or form, reach out Hello@TheDentalATeam.com.   And as always, thanks for listening and we'll catch you next time on the Dental A Team Podcast.

Welcome to The Weekly, produced by TAB Media Group, which publishes The Alabama Baptist and The Baptist Paper. Each episode features news headlines read by TAB Media Group staff and volunteers. New episodes are released weekly on Wednesday mornings. Articles featured in this episode:   Lebanese Baptists persevere, schedule virtual prayer gathering amid Middle East tumult Baptist pastors in Israel prepare for trip home; check out other headlines Lass Words: Grandparenting, faith and bowling 'Preparing our Hearts for Easter': New devotional released by TAB Media Creating a church of belonging for the lonely Many churches will waste Easter opportunity. Here's why. Check out the Lass Words column We want to hear from you! Preparing for Easter: How to make every event gospel centered Preparing Our Hearts for Easter: Daily Devotions for Individual, Family, & Group Study Gethsemane to Golgotha: 40 Bible Study Devotionals About Jesus' Last Day Emphasizing need for evangelism at state conference Sunday School Lessons Creative evangelist Dan Bellamy captivates audiences with 'blown-up stories' Visit TAB Media HERE Subscribe on iTunes HERE

In this episode, host Janet Michael sits down with Martha Reynolds to explore everything happening at the Barns of Rose Hill in Berryville, Virginia this spring — from stunning gallery exhibitions and hands-on art classes to jazz concerts, film screenings, and sustainability milestones. If you love the arts in the Shenandoah Valley, this one's for you. What We Cover

Have you ever wondered why you keep finding yourself in the same relationship patterns, no matter how hard you try to change? It's almost as if, despite our best intentions and awareness, we're drawn to the familiar—even if it's painful. The fear of uncertainty trumps the discomfort of what we know, leaving many stuck in cycles of repeated conflict, unmet needs, and unclear intentions. In this episode, listeners are guided through the origins of these repeating patterns, from early attachment experiences to later life trauma, and how they shape the template for adult relationships. The conversation explores the power of both individual and relational healing, offering practical strategies to update old habits, develop emotional intelligence, and communicate needs in ways that foster clarity and connection. If you're ready to step out of old cycles and into more intentional, empowered relationships, this episode breaks down the tools and insights you need to begin that journey. Dr. Molly is a licensed clinical psychologist based in Los Angeles with 16 years of experience in psychotherapy, research, and teaching at both undergraduate and graduate levels. She specializes in couples therapy and reproductive mental health, with a particular passion for supporting high-achieving women, non-traditional couples, LGBTQ+ individuals, BIPOC, and Veterans. Dr. Burrets also serves as an Adjunct Professor in the Marriage and Family Therapy Department at USC and has been featured as a relationship expert in TIME, Vogue, CBS, HuffPost, and more.   Episode Highlights 05:47 Why we repeat relationship patterns and the power of the familiar. 09:18 How early childhood attachment and trauma shape our relationships. 11:49 The dual paths of healing: Individual and relational growth. 16:35 Practicing healthy responses to triggers in relationships. 18:16 Developing self-regulation skills and navigating relationship conflict. 21:34 The value of vulnerability and facing uncomfortable outcomes. 26:50 Communicating intentions and building trust when trying new behaviors. 30:14 Navigating needs, fears, and the importance of reasonableness in relationships. 33:34 Finding and expressing your voice: Moving from silence or aggression to assertiveness. 35:42 The role of resentment and envy in recognizing your needs. 39:50 Balancing individual responsibility with relational needs and self-care. 44:00 The importance of emotional intelligence and practicing self-connection.   Your Checklist of Actions to Take Reflect on recurring relationship patterns and notice any familiar dynamics, rather than judging or shaming yourself for them. Acknowledge how your early-life experiences and attachments shape your current relationship behaviors—awareness is the first step toward change. If you notice unmet needs or frustration, pause and bring curiosity to your reactions instead of defaulting to blame or criticism. Practice pausing when triggered; take a deep breath, notice sensations in your body, and consider a more thoughtful response. Communicate vulnerably and clearly with your partner, directly sharing your feelings and needs rather than masking them with anger or withdrawal. Invite support—let loved ones or professionals know you're working on new habits and ask for feedback or guidance as you practice. Cultivate self-care rituals (like morning journaling or meditation) that help you regulate your emotions and connect with yourself. Remind yourself that you don't have to be "fully healed" to be in a relationship; embrace growth as a continual, relational process.   Mentioned Shifting Criticism For Connected Communication (free guide)   Connect with Dr. Molly Burrets Website: drmollyburrets.com Instagram: instagram.com/drmollyburrets  

Oh, you're curious about or into BDSM?You have a mental disorderYou must be unhappyYou had a traumatic childhoodYou're dominant? All that means is you cannot take no for an answer. Oh, I'm sorry, you're actually submissive? Well, that is just kink slang for someone who cannot make decisions.There are so many myths and misconceptions when it comes to mental health and BDSM, D/S, and kink. These often hurtful fallacies do more than just sting in the moment; they can causesomeone to not embrace a core part of who they are. Plus, they are so common that it is easy to come to believe there must be truths attached to them.This episode dissects the myths using peer-reviewed research, and I promise it is not a boring psych lecture.Find out what the research actually tells us!Please note: While this covers some of the common misconceptions about mental health and BDSM, this is by no means a complete list. The research reflects patterns across populations, not a universal experience. Individual journeys vary, and that is worth acknowledging.Sources:Wismeijer, A.A. and Van Assen, M.A. "PsychologicalCharacteristics of BDSM Practitioners." Journal of Sexual Medicine (2013) 10:1943Lecuona, O., Martínez-Barajas, O., Gimeno-Martín, A., et al."Not Twisted, Just Kinky: Replication and Structural Invariance of Attachment, Personality, and Well-Being Among BDSM Practitioners." Journal of Sexual Medicine (2025) 72(6):1079-1108Sagarin, B.J., Cutler, B., Cutler, N., et al. "HormonalChanges and Couple Bonding in Consensual Sadomasochistic Activity." Archives of Sexual Behavior (2009) 38:186-200Brown, A., Barker, E.D., Rahman, Q. "A SystematicScoping Review of the Prevalence, Etiological, Psychological, and Interpersonal Factors Associated with BDSM." Journal of Sex Research (2020) 57(6):781-811Holvoet, L., Huys, W., Coppens, V., Seeuws, J., Goethals,K., and Morrens, M. "Fifty Shades of Belgian Gray: The Prevalence of BDSM-Related Fantasies and Activities in the General Population." Journal of Sexual Medicine (2017) 14:1152-1159Pliskin, A.E. "Social and Emotional Intelligence (SEI)in BDSM." Journal of Positive Sexuality (2018) 4(2):48-55Jansen, K.L., Fried, A.L., and Chamberlain, J. "An Examination of Empathy and Interpersonal Dominance in BDSM Practitioners."Journal of Sexual Medicine (2021) 18(3):549-555

Book your call: https://www.jordanapodaca.com/ Most people think they're obsessing after infidelity because they don't have enough answers. That's not actually what's happening. When someone cheats, it doesn't just hurt. It breaks your sense of reality. Your brain starts trying to “solve” what happened by replaying conversations, building timelines, and searching for the missing piece that will finally make you feel at peace. But no amount of information fixes the real problem. In this episode, I break down: - Why your mind won't stop replaying the affair - What's actually driving the obsessive thoughts - Why “figuring it out” never gives you closure - What needs to change for your mind to finally let go If you've been stuck in loops of overthinking, checking, or trying to understand everything… this will help you see what's really going on beneath the surface. If you want help going deeper and actually resolving this (not just managing it), you can book a call with me here: https://www.jordanapodaca.com/ --------------------------------------------------------------------- 00:00 Why you can't stop thinking about it 00:17 The moment your reality breaks 00:49 Why your brain goes into “detective mode” 01:33 The real problem (it's not lack of information) 02:35 Why this can go on for years 02:42 What actually starts the healing process 03:00 “Okay, but how do I stop?” 03:16 Step 1: Break the information-seeking loop 03:50 Step 2: Address what feels broken internally 04:50 The deeper damage to self-trust 05:22 What actually calms the mind 06:16 Rebuilding your internal compass 06:47 Why your brain stays in survival mode 07:02 What changes when you rebuild safety JJA Consulting LLC • Fully insured through Alternative Balance LLC • Based in Michigan • Sessions via Zoom • Confidential and results-based. Disclaimer Jordan is not a licensed therapist, counselor, or medical professional. His services are for educational and coaching purposes only and are not intended to diagnose, treat, cure, or prevent any mental or medical condition. Individual results vary. If you are in crisis or need clinical support, please reach out to a licensed mental-health provider or emergency services. Summary of Terms and Conditions Educational Purpose Only: Coaching and hypnosis sessions are for personal development and educational purposes only. Not Therapy or Medical Treatment: These services are not a substitute for counseling, psychotherapy, psychiatric, or medical care. Results Vary: Individual results vary depending on many factors. No specific outcome is guaranteed. Your Responsibility: You are responsible for your participation, decisions, and well-being before, during, and after sessions. You agree to remain coachable and follow the Practitioner's lead regarding session spacing. No Refunds: All sales are final except as required by law. We commit to working with you until the specific result is achieved, provided you remain committed to the process. Confidentiality: All private sessions are confidential except where disclosure is required by law. Intellectual Property: All session materials and methods are owned by JJA Consulting LLC and may not be shared or reproduced. Code of Conduct: We reserve the right to refuse or end services for disruptive, abusive, or unsafe behavior. Results-Based Model: You are purchasing a result, not a time-based subscription. We do not offer weekly check-in calls or "venting" sessions. We meet only when necessary to achieve the specific result. By scheduling or purchasing services, you agree to the full Terms and Conditions. You further agree that reasonable updates to these Terms to clarify the spirit of the agreement may apply to our engagement. FULL TERMS: https://jordanapodaca.com/#terms Subscribe to The Infidelity Recovery Podcast on Soundwise

Tue, Mar 17 5:36 AM → 5:59 AM Lawrence and Pulaski person backed into squad car. Individual is naked and flipping out gun and narcotics recovered. Radio Systems: - Chicago Police Department

Book your call: https://www.jordanapodaca.com/ If your marriage has started to feel more like roommates than partners, it rarely happens overnight. In this episode, we break down three essential things couples need to understand when a marriage starts drifting apart. If your relationship feels fragile right now, this conversation may help you understand what's actually happening beneath the surface, and what it takes to rebuild safety and connection. ---------------------------------- Finally feel peace after betrayal, conflict, or a relationship crisis If you've been carrying anger, numbness, intrusive thoughts, shame, embarrassment, or a loss of trust after a painful relationship experience - or you feel your relationship is heading toward a breaking point - you don't have to keep doing this alone. On our call, we'll uncover what's really keeping you stuck and map out exactly how to help you feel calm, safe, and in control again, whether your goal is to heal personally, repair your relationship, or make clear decisions from a place of stability. Everyone's process is unique, but many of my private clients notice meaningful change within just a few sessions. Book Your Free Strategy Call Now: https://www.jordanapodaca.com/ --------------------------------------------------------------------- 0:00 When Marriage Starts Feeling Like Roommates 0:20 Why Distance Triggers Anxiety or Withdrawal 0:48 Step 1: Regulate Yourself Before Reaching Out 2:25 Step 2: Address Contempt Immediately 3:40 Step 3: Heal the Deeper Relationship Wounds 5:12 When It's Time to Get Support --------------------------------------------------------------------- JJA Consulting LLC • Fully insured through Alternative Balance LLC • Based in Michigan • Sessions via Zoom • Confidential and results-based. Disclaimer Jordan is not a licensed therapist, counselor, or medical professional. His services are for educational and coaching purposes only and are not intended to diagnose, treat, cure, or prevent any mental or medical condition. Individual results vary. If you are in crisis or need clinical support, please reach out to a licensed mental-health provider or emergency services. Summary of Terms and Conditions Educational Purpose Only: Coaching and hypnosis sessions are for personal development and educational purposes only. Not Therapy or Medical Treatment: These services are not a substitute for counseling, psychotherapy, psychiatric, or medical care. Results Vary: Individual results vary depending on many factors. No specific outcome is guaranteed. Your Responsibility: You are responsible for your participation, decisions, and well-being before, during, and after sessions. You agree to remain coachable and follow the Practitioner's lead regarding session spacing. No Refunds: All sales are final except as required by law. We commit to working with you until the specific result is achieved, provided you remain committed to the process. Confidentiality: All private sessions are confidential except where disclosure is required by law. Intellectual Property: All session materials and methods are owned by JJA Consulting LLC and may not be shared or reproduced. Code of Conduct: We reserve the right to refuse or end services for disruptive, abusive, or unsafe behavior. Results-Based Model: You are purchasing a result, not a time-based subscription. We do not offer weekly check-in calls or "venting" sessions. We meet only when necessary to achieve the specific result. By scheduling or purchasing services, you agree to the full Terms and Conditions. You further agree that reasonable updates to these Terms to clarify the spirit of the agreement may apply to our engagement. FULL TERMS: https://jordanapodaca.com/#terms Subscribe to The Infidelity Recovery Podcast on Soundwise

Many Canadians worry that they started saving for retirement too late. The numbers can feel discouraging, especially if debt, minimum payments, or everyday expenses delay investing for years. This conversation breaks down the math behind retirement saving and why delay matters more than age. Instead of focusing solely on hitting a "$1 million retirement goal," the discussion shifts to more practical goals: eliminating debt, understanding government benefits like CPP and OAS, and building financial stability over time. Debt Relief For Canadian Seniors – Know Your Options Pre and Post Retirement Debt Repayment Calculator Debt Free Digest – a free monthly e-newsletter Joe Debtor- Hoyes Michalos Annual Consumer Debt Study Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts 00:00 Is it ever too late to save for retirement? 02:05 The real problem isn't age 04:40 The math behind starting at 25 vs 45 vs 55 07:20 Why most households can't outrun the numbers 09:30 What the Joe Debtor study reveals about financial delay 12:10 How minimum payments quietly destroy retirement runway 14:20 Should retirement saving happen while carrying debt? 17:00 What happens to retirement plans during a proposal or bankruptcy 20:10 When saving becomes urgent (20s vs 40s vs 50s) 23:00 When retirement saving becomes a lifestyle planning question 26:00 The reality of CPP, OAS and retirement income in Canada Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Welcome to The Profit Talk! In this show, we're going to help you explore strategies to help you maximize profits in your business while scaling and creating the lifestyle that you want as an entrepreneur. I am your host, Susanne Mariga! I'm a CPA, a Fractional CFO, and a Certified Profit First Professional Mastery Level providing tax strategies to 7 and 8-figure entrepreneurs. Let's dive into strategies to maximize profits in your business! In this episode of The Profit Talk Show, host Susanne Mariga welcomes the incredible Shea Wheat, a world-class event producer and strategist. Shea is a powerhouse who helps entrepreneurs scale their businesses through high-impact events, from intimate masterclasses to massive conferences. Together, we tackle a critical topic—how to use events as a powerful tool to rapidly grow business revenue and deepen audience connection. Whether you are a multiple six-figure earner looking to scale or an established leader, this conversation is packed with practical strategies on one-to-many selling, event logistics, and maximizing your lifetime customer value. What You'll Learn in This Episode: ✅ The Power of One-to-Many Selling – How replacing slow one-on-one calls with live group enrollment can boost efficiency and close high-ticket offers from $10k to $30k from the stage. ✅ Strategic Event Planning – Why you need at least three months of preparation and a clear purpose to align your event format with your business goals. ✅ Maximizing Revenue Through Follow-Up – Why sales rarely close during the event itself and how a structured post-event system can drive millions in additional revenue. ✅ Navigating Venue Logistics – How professional negotiation can save you thousands (up to $15,000) by identifying hidden fees like $150-per-gallon coffee and removing costly contract clauses. ✅ Virtual vs. In-Person Dynamics – Understanding the unmatched emotional connection of face-to-face networking versus the cost-effective but engagement-heavy nature of virtual events. ✅ The Importance of Team Support – How a proactive team manages timing, technical needs, and logistics so the speaker can stay in their "zone of genius." Memorable Quotes:

On this episode of Discover Lafayette, we visit with Maureen Dugas Foster, founder of Designing Women of Acadiana, a collaborative network that has spent the past decade bringing together women interested in architecture, design, creativity, and community. What began as a simple idea during a challenging personal moment has grown into a vibrant organization that has hosted more than 100 events across Acadiana, connecting creative professionals and curious minds while highlighting the role design plays in our everyday lives. Maureen's inspiration for launching the organization came in 2016 during a time when she found herself unexpectedly unemployed and questioning the direction of her career. Having spent years working in architecture, she felt somewhat isolated in the local professional community. “I felt really alone in the architecture community in Lafayette,” she says. Women represent only about 20 percent of licensed architects nationwide, and she was seeking both connection and encouragement within the profession. Instead of waiting for someone else to create that community, Maureen decided to build one herself. “Thanks to a bottle of wine and courage, one night I made a Facebook page,” she laughs. She set a date for an informal meet-up at Pamplona Tapas Bar in downtown Lafayette, inviting women in architecture and design to gather for drinks and conversation. The response was immediate and surprising. “It was amazing because we had over 20 women show up.” Even today, she admits she still gets a little nervous before each event, but that first evening proved there was real interest in building a supportive creative network in Acadiana. In those early days, Designing Women of Acadiana focused largely on architects and interior designers. Over time, however, the organization evolved as more people expressed interest in participating—even those who didn't work directly in design fields. Maureen began to realize that creativity extends far beyond professional labels. “Everyone's creative,” she says. “It just gets like smacked out of you during regular schooling when you're young.” That philosophy led the group to broaden its mission to welcome creative women of all backgrounds. Today the membership includes professionals across many fields, from artists and entrepreneurs to healthcare professionals and business owners who simply enjoy engaging with creative ideas and spaces. As Maureen explains, sometimes the greatest benefit of attending an event is simply the energy that comes from connecting with others. “Show up if you're interested. You're going to get something out of it, whether it's new connections, deep conversation with some new person, or just energized with creativity.” Over the past ten years, Designing Women of Acadiana has hosted more than 100 gatherings, typically meeting once per month outside of the pandemic years. Events have ranged from architectural tours and home visits to creative workshops, networking socials, and community projects. One of the organization's most popular activities has been home tours featuring architect-designed residences. Early members, including local architect Lisa Bourque, opened the doors of newly completed homes so participants could see contemporary design up close. Homeowners would welcome the group with wine and snacks while sharing the story behind their home's design. For Maureen, those experiences illustrate how architecture can be deeply personal. “For the homeowner to show off this piece of architecture that they spent a lot of time on, it's like you're living in a piece of art that was made just for you.” Beyond residential tours, DWA members have also visited commercial spaces and historic buildings around Acadiana. When Bottle Art Lofts was developed in downtown Lafayette, the group toured the property to explore how historic structures can be transformed for modern use. Maureen notes that good architecture often involves re-imagining existing spaces rather than starting from scratch. “You can take any piece of architecture that's already there and scrape out all the insides and do something new,” she explains. “That's what you use your architect for because they've got the mind to do that.” Education has always been another important goal of the organization. Many events are designed to help people understand the value of thoughtful design, particularly for those outside architecture and construction. Maureen emphasizes that the spaces we inhabit every day, from homes to offices, have a direct impact on our mental and emotional well-being. In addition to tours and educational events, Designing Women of Acadiana has also participated in creative civic initiatives. One memorable project was Lafayette Consolidated Government's Parking Day, an international urban design event where participants temporarily transform parking spaces into miniature parks or gathering areas. DWA created parklets in downtown Lafayette that invited pedestrians to sit, draw, and interact with art installations. Their installations were so well received that they won awards both years they participated. These types of projects highlight another important element of DWA: fostering community connections. Over the years, the organization has collaborated with local businesses, artists, and property owners to create pop-up experiences and events that celebrate Lafayette's evolving cultural landscape. For Maureen personally, the organization has also become a source of mentorship and encouragement. Early in her career she often sought advice from mentors like UL architecture professor Michael McClure, who encouraged her to stay committed to her path even during uncertain times. Looking back, she realizes that Designing Women of Acadiana became the supportive professional network she had once been searching for. “I didn't even realize that's what I was looking for,” she says. “Starting DWA, I empowered myself and then created this community of other women who empowered one another.” Outside of her volunteer work with DWA, Maureen's own career has taken several interesting turns over the years. She earned her degree in architecture at the University of Louisiana at Lafayette. She worked in commercial architecture firms for many years, gaining experience in the field even though she ultimately chose not to pursue full architectural licensure. 2017 Sunset at the Less Pay Motel – “I got to tour the Less Pay Motel with Stephanie & Greg Cornay when they were trying to come up with better ideas for Four Corners. Aileen Bennett came with me and snapped this photo.“ Today she works in commercial lighting sales with Lighting and Electrical Associates (LEA), collaborating with architects, interior designers, and engineers on building projects. Her role often involves helping teams think carefully about how lighting shapes the experience of a space—from aesthetics to mental health. “Lighting can make or break a space,” she says. “If you go into a place and you're feeling icky, look around—it's probably 80 percent due to the lighting.” In 2026, Designing Women of Acadiana celebrates its 10th anniversary, marking a decade of creativity, friendship, and professional collaboration. The milestone will be celebrated at the group's annual anniversary party on March 26 at Basin Arts, where guests can enjoy art, raffle prizes from local artists and businesses, and interactive experiences designed to showcase the creativity of the community. Membership in DWA remains intentionally accessible. Individual memberships are $75 per year, corporate memberships are $150 for three participants, and student memberships are available for $25. Most monthly events are free or low-cost, making it easy for anyone curious about creativity and design to participate. For those interested in joining or attending an event, the best place to stay connected is through Designing Women of Acadiana's Facebook, Instagram, or LinkedIn pages, where the group regularly posts upcoming gatherings and announcements. As Designing Women of Acadiana enters its second decade, Maureen and her board are continuing to expand the organization's mission to embrace an even broader range of creative voices across Acadiana. The goal remains the same as it was on that first night at Pamplona: create a welcoming space where ideas flourish, friendships form, and creativity is celebrated. “Designing Women of Acadiana is a bold and collaborative network of women shaping the creative and professional landscape of Acadiana,” Maureen says. “Rooted in design and driven by connection, we create curated experiences that cultivate confidence, spark inspiration, and ensure women feel seen in their industries and communities.”

An adjuster starts to close the file on a roofing claim. The adjuster had worked closely with the roofing contractor and saw the claim through to its resolution, with the contractor getting paid in full. Then the adjuster receives an invoice with a supplement, from a company in another state. Upon calling the insured, they had no awareness of this company. Today Steven Badger from Zelle LLP will address these and other topics as we continue our discussion on "hot topics" in hail claims. Notable Timestamps [00:01] - Some in the industry describe the "reclaim game" as when an insured gets paid on a prior roof claim, never fixes the roof, then years later submits a new claim for the same unresolved damage.​ [02:52] - On every new claim, adjusters can ask if the insured has ever filed a prior claim for the same damage, as opposed to relying solely on industry claim-history reports.​ [03:45] - Early investigation often includes reviewing historical aerial and street-view imagery plus a low-cost hail history report to understand the roof's actual damage timeline.​ [05:32] - Establishing coverage for business or goodwill reasons can open the door for supplementation.​ [06:29] - Permit records, especially for commercial roofs, can confirm whether a claimed roof replacement really occurred and reveal the value and scope of prior work.​ [07:35] - Is a supplement being submitted by the contractor who actually did the work or by a third-party supplement firm?​​ [13:08] - When contractors waive or absorb deductibles, insurers can request proof the deductible was paid.​ [14:48] - Contractors who take over the claim process without a public adjuster license may be committing the unauthorized practice of public adjusting in certain circumstances.​ [17:19] - Even in contentious claims, both sides can resolve disputes fairly and professionally. Your PLRB Resources Steve Badger's LinkedIn https://www.linkedin.com/in/steven-badger-467b0322/ Recorded Webinar: Resolving High Estimates and Post Work Supplementals https://members.plrb.org/education/courses/resolving-high-estimates-and-post-work-supplementals Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Book your call: https://www.jordanapodaca.com/ Every hard conversation ending the same way - one of you exploding, one shutting down, nothing getting resolved? That's not a communication problem. That's a nervous system problem. In this podcast I break down exactly why the explosion-shutdown cycle happens, what's going on underneath it, and the specific things you can do to interrupt the pattern before it does more damage to your relationship. ------------------- Finally feel peace after betrayal, conflict, or a relationship crisis If you've been carrying anger, numbness, intrusive thoughts, shame, embarrassment, or a loss of trust after a painful relationship experience - or you feel your relationship is heading toward a breaking point - you don't have to keep doing this alone. On our call, we'll uncover what's really keeping you stuck and map out exactly how to help you feel calm, safe, and in control again, whether your goal is to heal personally, repair your relationship, or make clear decisions from a place of stability. Everyone's process is unique, but many of my private clients notice meaningful change within just a few sessions. Book Your Free Strategy Call Now: https://www.jordanapodaca.com/ --------------------------------------------------------------------- Topics covered: Why one partner explodes and the other shuts down, how emotional triggering shuts down rational thinking, when to pause before a conversation and how to do it, how to lead with vulnerability instead of accusation, what to do when you're mid-cycle and it's already escalating, why focusing on one issue at a time changes everything, and how to start thinking like teammates instead of opponents. 00:00 The explosion-shutdown cycle 01:00 What's actually happening in your body 02:00 Recognizing when you're triggered 03:15 How to start the conversation differently 04:26 Hard vs. soft emotions 05:00 Avoiding the shutdown mid-conversation 06:11 Focus on one issue at a time 07:30 Becoming teammates, not opponents ---------------------------------------------------------------------- JJA Consulting LLC • Fully insured through Alternative Balance LLC • Based in Michigan • Sessions via Zoom • Confidential and results-based. Disclaimer Jordan is not a licensed therapist, counselor, or medical professional. His services are for educational and coaching purposes only and are not intended to diagnose, treat, cure, or prevent any mental or medical condition. Individual results vary. If you are in crisis or need clinical support, please reach out to a licensed mental-health provider or emergency services. Summary of Terms and Conditions Educational Purpose Only: Coaching and hypnosis sessions are for personal development and educational purposes only. Not Therapy or Medical Treatment: These services are not a substitute for counseling, psychotherapy, psychiatric, or medical care. Results Vary: Individual results vary depending on many factors. No specific outcome is guaranteed. Your Responsibility: You are responsible for your participation, decisions, and well-being before, during, and after sessions. You agree to remain coachable and follow the Practitioner's lead regarding session spacing. No Refunds: All sales are final except as required by law. We commit to working with you until the specific result is achieved, provided you remain committed to the process. Confidentiality: All private sessions are confidential except where disclosure is required by law. Intellectual Property: All session materials and methods are owned by JJA Consulting LLC and may not be shared or reproduced. Code of Conduct: We reserve the right to refuse or end services for disruptive, abusive, or unsafe behavior. Results-Based Model: You are purchasing a result, not a time-based subscription. We do not offer weekly check-in calls or "venting" sessions. We meet only when necessary to achieve the specific result. By scheduling or purchasing services, you agree to the full Terms and Conditions. You further agree that reasonable updates to these Terms to clarify the spirit of the agreement may apply to our engagement. FULL TERMS: https://jordanapodaca.com/#terms Subscribe to The Infidelity Recovery Podcast on Soundwise

Peter Wharton-Hood became CEO of LIFE Healthcare in August 2020 – right in the middle of the COVID-19 pandemic – with no healthcare experience. He was an accomplished banking executive, but he had zero context for what it takes to run a hospital. And it was his job to lead 16,000 healthcare workers through a generational crisis. But Peter stepped into the role with a team-first philosophy that's shaped his whole career. His people are his priority. He puts the team's best interest before his own, and he isn't afraid to cut a top performer if they aren't a team player. This episode will help you think differently about what really matters when building a team, and it'll give you the courage to make the hard calls that great team culture requires. You'll also learn: The most important factor when making a career move (most people miss it) A fun exercise you can use to bring your team into the vision and strategy process How to have a tough personnel conversation Why you may NOT want to be a tech trailblazer Take your learning further. Get proven leadership advice from these (free!) resources: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The How Leaders Lead App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: A vast library of 90-second leadership lessons to stay sharp on the go  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Daily Insight Emails⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: One small (but powerful!) leadership principle to focus on each day Whichever you choose, you can be sure you'll get the trusted leadership advice you need to advance your career, develop your team, and grow your business.

¿Son lo mismo? ¿Uno viene antes? ¿O tu transformación personal ya está cambiando el mundo?Este episodio nace de una pregunta que me llega mucho: "¿de qué sirve trabajarme yo si el mundo sigue igual?" Hoy la respondo a fondo.Aquí contrastamos las claves del despertar individual con las claves del despertar colectivo. No como conceptos abstractos, sino como señales concretas que puedes reconocer en tu propia vida y en el mundo que te rodea.La conexión de lo invisibleExploramos lo que no siempre se conecta:Por qué tu crisis de identidad espiritual.Tu necesidad de silencio.Tu intuición como brújula.Son el mismo lenguaje que el fenómeno de tribu espiritual, la aceleración del tiempo percibido y los nuevos liderazgos que están emergiendo en el mundo.Si quieres entender cómo saber si estás viviendo un despertar colectivo —y cuál es tu rol en él— este episodio es para ti.Este contenido es parte de la serie La Nueva Humanidad, donde comparto herramientas para navegar el ciclo 2025–2030 desde una espiritualidad adulta, encarnada y honesta.EN ESTE EPISODIO1. Despertar individual vs colectivo: 2. Las 5 claves del despertar individual 3. Las 5 claves del despertar colectivo 4. Señales  de un despertar de conscienciaInscríbete y DESCARGA tu regalo Descubre tu ser intuitivo AQUÍ. ME ENCUENTRAS ENInstagram Web Alkimia Web Marcela Hede YouTube Facebook

Chuck Todd opens with a grim inventory of an administration besieged on every front as the Iran war enters its twelfth day with no exit strategy in sight. He then pivots to the SAVE Act — the Republican voting bill that has 50 Senate votes but faces a filibuster John Thune admits he likely can't break. He walks through the details that go well beyond simple voter ID: the bill requires documentary proof of citizenship to register, treats women who change their name through marriage as first-time voters, and Trump is demanding additions including a near-total ban on mail-in voting — turning what polls show is an 80%-popular concept into a toxic package that could disenfranchise millions. He notes that John Cornyn flipped his filibuster position to chase Trump's Texas endorsement, warns that if Republicans nuke the filibuster and Democrats later win the Senate they won't restore it, and argues that Republicans are essentially writing legislation to make Trump's false fraud claims real — while Trump is already setting up the SAVE Act's inevitable failure as his preemptive excuse for midterm losses that have nothing to do with voting rules and everything to do with an unpopular war, a tanking economy, and a completely unserious leader running the Pentagon. Ultimately, he argues that partisan changes to voting rule destroy trust in democracy, whether it be the SAVE Act, or Democrats efforts to pass HR1. Then, Fiona Hill — who served on the National Security Council under three presidents and became a household name during Trump's first impeachment — joins the Chuck ToddCast for a deeply alarming assessment of the Iran war now entering its second week, with Operation Epic Fury having metastasized into a multi-front conflict spanning nine countries, oil prices surging past $100 a barrel, and hundreds of thousands of travelers stranded across the Middle East. Hill dismantles the geopolitical chessboard with surgical precision, explaining that while there is no formal alliance between Russia and Iran and that the relationship is deeply transactional, with Iran having provided Russia with Shahed drones and helped build a drone factory. She argues that China is letting the U.S. "rope-a-dope" itself, sitting back alongside Russia to watch America bleed resources and credibility in yet another Middle Eastern quagmire. She flags the glaring double standard in the administration's diplomacy: envoy Steve Witkoff refused to take the Iranians at their word during nuclear negotiations in Geneva but accepted Russian assurances at face value. The conversation turns existential as Hill warns that Trump's adventurism — which never faced serious consequences through Venezuela or the June 2025 strikes that made Iran look like a paper tiger — has now collided with reality. Trump saw the opportunity to kill Khamenei and took it, hoping for either a popular uprising or a pliant successor, but none of those hopes have materialized. Hill calls it an Afghanistan-and-Iraq-level jam with even less global credibility.. They raise the chilling question of whether Xi Jinping might prioritize seizing Taiwan while America is overextended, observes that NORAD doesn't function without Canada and the Nordic countries that Trump has alienated, warns that the damage to America's reputation will last decades, and notes that individual U.S. states are already setting up their own diplomatic representation with foreign countries to fill the vacuum. They close with a striking contrast: unlike Russians, Americans can still vote their way out of tyranny — but the window in which that remains true may be narrowing, as we are likely entering a post-American empire period. Finally, he answers listeners’ question in the “Ask Chuck” segment and celebrates the start of March Madness. Refresh your wardrobe with Quince. Go to https://Quince.com/chuck for free shipping on your order and 365-day returns. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 04:30 There’s no easy way for Trump to get out of Iran 05:30 It’s become clear US responsible for bombing Iranian school 06:15 FBI warns California law enforcement of threat of Iranian drone strikes 07:15 The fallout from the war is complicated & Trump can’t just turn it off 08:30 Drone attack that killed US soldiers far more serious than initially reported 09:15 Republicans in congress are demoralized & don’t know what to run on 10:45 Pentagon bars press for publishing “unflattering” photos of Pete Hegseth 12:00 We have a serious war and a completely unserious leader of the Pentagon 12:45 Republican senators knew Hegseth was unqualified & confirmed him anyway 14:15 It’s important to explain the details of the Republican SAVE Act 15:00 John Cornyn flipped position on the filibuster to try to earn Trump endorsement 15:30 Republicans likely don’t have the votes to kill the filibuster 16:15 Contrasting and comparing Democrats HR1 vs Republicans SAVE Act 18:15 SAVE Act requires proof of citizenship to vote 19:00 Trump wants a total ban on mail in voting and all voting on one day 20:00 If GOP kills filibuster & Dems win senate, Dems won’t restore it 20:45 If passed in a partisan vote, SAVE Act would delegitimize democracy 21:45 If rules change based on who’s in power, the public will lose faith in process 23:30 We’re seeing a collision of two partisan visions over who gets to vote 24:30 SAVE Act makes voter registration a “show your papers” event 25:30 There’s a massive gap between bill passed in house & what Trump wants 26:00 Trump is demanding a bill loaded with culture war items 27:30 If Republicans jam through the SAVE Act, it could juice Democratic turnout 29:00 Voter ID isn’t controversial with the public 29:45 There’s 80% support for proof of citizenship when registering to vote 30:15 Republicans believe it should be harder to vote, Dems think it should be easier 31:30 Trump is taking popular ideas and packaging them in a bill that is toxic 32:30 Stability in a democracy doesn’t come from a 51% majority 33:45 34k people in Arizona were barred from state elections, but had federal carve out 35:00 Almost no voter fraud has actually been found 36:00 If you change name or get married, SAVE Act treats you as first time voter 37:30 America already makes life harder on women, SAVE Act makes it worse 38:15 The SAVE Act goes WELL beyond voter ID 39:00 Republicans are writing a bill to make Trump’s bullshit real 39:45 Trump will blame failure to pass SAVE Act for election losses in midterms 41:00 SAVE Act would disenfranchise or add barriers for millions of voters 42:00 Individual citizens have no constitutional right to vote 42:45 State constitutions provide voting guarantees, SAVE Act contradicts that 44:15 Changes to voting rules need bipartisan public consensus 50:15 Fiona Hill joins the Chuck ToddCast 51:30 There is no formal alliance between Russia and Iran 52:15 Historically, Russia and Iran clashed over territory 54:00 Iran provided Russia with Shahed drones & helped build factory 54:45 Trump views his relationship with Russia & Putin in a vacuum 55:45 Iran’s relationship with China & Russia is very transactional 56:30 Iran sees itself as a civilization, not just a country 58:15 China is letting the U.S. “rope a dope” itself 59:30 China doesn’t do favors without a cost 1:00:15 Witkoff didn’t take Iranians at their word but did with Russia 1:00:45 China & Russia are sitting back and watching what happens in Iran 1:01:45 Special military operations often become quagmires 1:03:00 Trump hasn’t thought about the knock-on consequences in Iran 1:05:15 Administration thinks they can figure it out as they go 1:06:00 Trump’s adventurism never had serious consequences until now 1:07:45 9/11 shaped the frame for American thinking for 25 years 1:08:45 Do you buy that MBS pushed Trump into striking Iran? 1:09:45 The Chinese didn’t see unintended effects of war in Ukraine 1:10:45 Russia has 20x casualty rate in Ukraine that USSR had in Afghanistan 1:12:45 The Israelis are clear that they want regime change 1:13:00 Outside of eliminating the nuclear program… What's the rest of our aim? 1:14:30 Without regime change, Iranian and Venezuelan people will turn on Trump 1:15:30 There’s a large Iranian population is many countries 1:16:00 Trump is in a Afghanistan/Iraq level jam with no plan 1:16:45 Gutting of national security council effects on Trump’s planning 1:18:00 We’ve lost grip of our political system, congress has abdicated 1:19:15 High oil prices could be a boon to Russia, but shipping is an issue 1:21:30 Putin doesn’t want to end the war in Ukraine unless its on his terms 1:22:15 Ukraine has been an incredibly tough fighting force 1:23:00 The rich & powerful forget that the other 8 billion people have agency 1:24:30 Ukraine won’t have a peace imposed on it by outsiders 1:25:15 Trump assumes everyone else is as transactional as he is 1:26:15 Khamenei is a religious leader, his killing has religious implications 1:29:15 Asymmetrical war feels unwinnable 1:31:30 The damage to America’s reputation in the world will last decades 1:32:30 NORAD doesn’t work without Canada & Nordic countries 1:35:00 How can a future president try to fix the damage with allies? 1:36:00 Individual states are setting up representation with foreign countries 1:38:00 If you’re Xi, do you prioritize seizing Taiwan while Trump’s in office? 1:39:45 We’re likely in a post-American empire period 1:40:30 Is there any heir apparent to Putin? 1:42:45 Next leader of Russia will likely keep the same system in place 1:44:15 Unlike Russians, Americans can still vote their way out of tyranny 1:48:30 Across the country there’s serious frustration with federal politics 1:50:00 Ask Chuck 1:50:15 How is the psyche of the American people able to handle constant crisis? 1:55:30 Are the war and Epstein files just distracting from importance of midterms? 1:59:00 Have larger sums of money started to become irrelevant in elections? 2:03:00 At what point does fundraising advantage stop matter? 2:07:15 Chances of false flag blamed on Iran to provide pretext to mess with elections? 2:13:00 Thanks for giving me hope while feeling like we’re living through fall of Rome 2:16:30 How can a future president reverse course on tariffs? 2:19:00 Thoughts on March MadnessSee omnystudio.com/listener for privacy information.

Fiona Hill — who served on the National Security Council under three presidents and became a household name during Trump's first impeachment — joins the Chuck ToddCast for a deeply alarming assessment of the Iran war now entering its second week, with Operation Epic Fury having metastasized into a multi-front conflict spanning nine countries, oil prices surging past $100 a barrel, and hundreds of thousands of travelers stranded across the Middle East. Hill dismantles the geopolitical chessboard with surgical precision, explaining that while there is no formal alliance between Russia and Iran and that the relationship is deeply transactional, with Iran having provided Russia with Shahed drones and helped build a drone factory. She argues that China is letting the U.S. "rope-a-dope" itself, sitting back alongside Russia to watch America bleed resources and credibility in yet another Middle Eastern quagmire. She flags the glaring double standard in the administration's diplomacy: envoy Steve Witkoff refused to take the Iranians at their word during nuclear negotiations in Geneva but accepted Russian assurances at face value. The conversation turns existential as Hill warns that Trump's adventurism — which never faced serious consequences through Venezuela or the June 2025 strikes that made Iran look like a paper tiger — has now collided with reality. Trump saw the opportunity to kill Khamenei and took it, hoping for either a popular uprising or a pliant successor, but none of those hopes have materialized. Hill calls it an Afghanistan-and-Iraq-level jam with even less global credibility.. They raise the chilling question of whether Xi Jinping might prioritize seizing Taiwan while America is overextended, observes that NORAD doesn't function without Canada and the Nordic countries that Trump has alienated, warns that the damage to America's reputation will last decades, and notes that individual U.S. states are already setting up their own diplomatic representation with foreign countries to fill the vacuum. They close with a striking contrast: unlike Russians, Americans can still vote their way out of tyranny — but the window in which that remains true may be narrowing, as we are likely entering a post-American empire period. Refresh your wardrobe with Quince. Go to https://Quince.com/chuck for free shipping on your order and 365-day returns. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Timeline: (Timestamps may vary based on advertisements) 00:00 Fiona Hill joins the Chuck ToddCast 01:15 There is no formal alliance between Russia and Iran 02:00 Historically, Russia and Iran clashed over territory 03:45 Iran provided Russia with Shahed drones & helped build factory 04:30 Trump views his relationship with Russia & Putin in a vacuum 05:30 Iran’s relationship with China & Russia is very transactional 06:15 Iran sees itself as a civilization, not just a country 08:00 China is letting the U.S. “rope a dope” itself 09:15 China doesn’t do favors without a cost 10:00 Witkoff didn’t take Iranians at their word but did with Russia 10:30 China & Russia are sitting back and watching what happens in Iran 11:30 Special military operations often become quagmires 12:45 Trump hasn’t thought about the knock-on consequences in Iran 15:00 Administration thinks they can figure it out as they go 15:45 Trump’s adventurism never had serious consequences until now 17:30 9/11 shaped the frame for American thinking for 25 years 18:30 Do you buy that MBS pushed Trump into striking Iran? 19:30 The Chinese didn’t see unintended effects of war in Ukraine 20:30 Russia has 20x casualty rate in Ukraine that USSR had in Afghanistan 22:30 The Israelis are clear that they want regime change 22:45 Outside of eliminating the nuclear program… What's the rest of our aim? 24:15 Without regime change, Iranian and Venezuelan people will turn on Trump 25:15 There’s a large Iranian population is many countries 25:45 Trump is in a Afghanistan/Iraq level jam with no plan 26:30 Gutting of national security council effects on Trump’s planning 27:45 We’ve lost grip of our political system, congress has abdicated 29:00 High oil prices could be a boon to Russia, but shipping is an issue 31:15 Putin doesn’t want to end the war in Ukraine unless its on his terms 32:00 Ukraine has been an incredibly tough fighting force 32:45 The rich & powerful forget that the other 8 billion people have agency 34:15 Ukraine won’t have a peace imposed on it by outsiders 35:00 Trump assumes everyone else is as transactional as he is 36:00 Khamenei is a religious leader, his killing has religious implications 39:00 Asymmetrical war feels unwinnable 41:15 The damage to America’s reputation in the world will last decades 42:15 NORAD doesn’t work without Canada & Nordic countries 44:45 How can a future president try to fix the damage with allies? 45:45 Individual states are setting up representation with foreign countries 47:45 If you’re Xi, do you prioritize seizing Taiwan while Trump’s in office? 49:30 We’re likely in a post-American empire period 50:15 Is there any heir apparent to Putin? 52:30 Next leader of Russia will likely keep the same system in place 54:00 Unlike Russians, Americans can still vote their way out of tyrannySee omnystudio.com/listener for privacy information.

Chuck Todd opens with a grim inventory of an administration besieged on every front as the Iran war enters its twelfth day with no exit strategy in sight. He then pivots to the SAVE Act — the Republican voting bill that has 50 Senate votes but faces a filibuster John Thune admits he likely can't break. He walks through the details that go well beyond simple voter ID: the bill requires documentary proof of citizenship to register, treats women who change their name through marriage as first-time voters, and Trump is demanding additions including a near-total ban on mail-in voting — turning what polls show is an 80%-popular concept into a toxic package that could disenfranchise millions. He notes that John Cornyn flipped his filibuster position to chase Trump's Texas endorsement, warns that if Republicans nuke the filibuster and Democrats later win the Senate they won't restore it, and argues that Republicans are essentially writing legislation to make Trump's false fraud claims real — while Trump is already setting up the SAVE Act's inevitable failure as his preemptive excuse for midterm losses that have nothing to do with voting rules and everything to do with an unpopular war, a tanking economy, and a completely unserious leader running the Pentagon. Ultimately, he argues that partisan changes to voting rule destroy trust in democracy, whether it be the SAVE Act, or Democrats efforts to pass HR1. Finally, he answers listeners’ questions in the “Ask Chuck” segment and celebrates the start of March Madness. Refresh your wardrobe with Quince. Go to https://Quince.com/chuck for free shipping on your order and 365-day returns. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 04:30 There’s no easy way for Trump to get out of Iran 05:30 It’s become clear US responsible for bombing Iranian school 06:15 FBI warns California law enforcement of threat of Iranian drone strikes 07:15 The fallout from the war is complicated & Trump can’t just turn it off 08:30 Drone attack that killed US soldiers far more serious than initially reported 09:15 Republicans in congress are demoralized & don’t know what to run on 10:45 Pentagon bars press for publishing “unflattering” photos of Pete Hegseth 12:00 We have a serious war and a completely unserious leader of the Pentagon 12:45 Republican senators knew Hegseth was unqualified & confirmed him anyway 14:15 It’s important to explain the details of the Republican SAVE Act 15:00 John Cornyn flipped position on the filibuster to try to earn Trump endorsement 15:30 Republicans likely don’t have the votes to kill the filibuster 16:15 Contrasting and comparing Democrats HR1 vs Republicans SAVE Act 18:15 SAVE Act requires proof of citizenship to vote 19:00 Trump wants a total ban on mail in voting and all voting on one day 20:00 If GOP kills filibuster & Dems win senate, Dems won’t restore it 20:45 If passed in a partisan vote, SAVE Act would delegitimize democracy 21:45 If rules change based on who’s in power, the public will lose faith in process 23:30 We’re seeing a collision of two partisan visions over who gets to vote 24:30 SAVE Act makes voter registration a “show your papers” event 25:30 There’s a massive gap between bill passed in house & what Trump wants 26:00 Trump is demanding a bill loaded with culture war items 27:30 If Republicans jam through the SAVE Act, it could juice Democratic turnout 29:00 Voter ID isn’t controversial with the public 29:45 There’s 80% support for proof of citizenship when registering to vote 30:15 Republicans believe it should be harder to vote, Dems think it should be easier 31:30 Trump is taking popular ideas and packaging them in a bill that is toxic 32:30 Stability in a democracy doesn’t come from a 51% majority 33:45 34k people in Arizona were barred from state elections, but had federal carve out 35:00 Almost no voter fraud has actually been found 36:00 If you change name or get married, SAVE Act treats you as first time voter 37:30 America already makes life harder on women, SAVE Act makes it worse 38:15 The SAVE Act goes WELL beyond voter ID 39:00 Republicans are writing a bill to make Trump’s bullshit real 39:45 Trump will blame failure to pass SAVE Act for election losses in midterms 41:00 SAVE Act would disenfranchise or add barriers for millions of voters 42:00 Individual citizens have no constitutional right to vote 42:45 State constitutions provide voting guarantees, SAVE Act contradicts that 44:15 Changes to voting rules need bipartisan public consensus 50:00 Ask Chuck 50:15 How is the psyche of the American people able to handle constant crisis? 55:30 Are the war and Epstein files just distracting from importance of midterms? 59:00 Have larger sums of money started to become irrelevant in elections? 1:03:00 At what point does fundraising advantage stop matter? 1:07:15 Chances of false flag blamed on Iran to provide pretext to mess with elections? 1:13:00 Thanks for giving me hope while feeling like we’re living through fall of Rome 1:16:30 How can a future president reverse course on tariffs? 1:19:00 Thoughts on March MadnessSee omnystudio.com/listener for privacy information.

Tim Blake Nelson got a rocket on him! For simple, online access to personalized and affordable care for Hair Loss, ED, Weight Loss, and more, visit https://Hims.com/SUPERMEGA Featured products include compounded drug products, which the FDA does not approve or verify for safety, effectiveness, or quality. Prescription required. See website for full details, restrictions, and important safety information. Individual results may vary. Based on studies of topical and oral minoxidil and finasteride.  Head to https://factormeals.com/supermega50off and use code supermega50off to get 50% and free breakfast for a year! *Offer only valid for new Factor customers with code and qualifying auto-renewing subscription purchase.  Sign up for your $1 per month trial today at https://Shopify.com/super Follow Matt: @matthwatson Follow Ryan: @elirymagee Follow the show: @supermegashow Learn more about your ad choices. Visit podcastchoices.com/adchoices

ProducerHead Bars is a space for ideas that stand on their own. Short reflections and studio frameworks pulled from experience, conversation, and the ongoing pursuit of becoming a better producer.This entry focuses on a simple but powerful strategy for overcoming creative paralysis: The Piñata Method.The Problem: Creative FreezeEven experienced producers run into moments where they sit down to make music and freeze. Sometimes it looks like procrastination. Scrolling. Cleaning the studio. Doing anything except the thing you actually sat down to do.But procrastination isn't necessarily laziness. More often, it's a signal of overwhelm. When the scope of a project exceeds your perceived ability to navigate it, the brain chooses avoidance instead of action.The issue isn't capability. It's clarity.The Piñata MethodThe Piñata Method is a way to break overwhelming creative projects into pieces until the next step becomes obvious. Instead of staring at the entire goal, you smash the project open and look at what falls out.Imagine your goal is to complete a 10-track album.At first glance, that's a massive undertaking. But if you smash that project open, working backwards, you start to see its components: 10 mastered songs.Smash those again and you see: 10 mixed songs.Smash those again and you see: 10 produced tracks.And before that? Individual production sessions.By working backwards from the finished goal, you create a clear map from the end point to the very next step. In this example, the path to a finished album starts with something much smaller: Opening your DAW and beginning one session.Capacity ChangesYour capacity as a producer is not fixed.Your skills improve. Your schedule changes. Collaborators enter or leave the process. Life shifts.The Piñata Method accounts for this. The goal remains the same, but the structure of the steps can adapt. If your capacity grows, steps may combine. If your capacity shrinks, you simply break them down again.The map evolves, but the destination stays intact.The TakeawayCreative paralysis rarely comes from a lack of ability. It comes from trying to tackle too much at once.The Piñata Method reminds you that every large creative accomplishment is just the accumulation of smaller actions.A wall is laid one brick at a time.An album is finished one session at a time.So if you're feeling stuck, take the project in front of you and smash it open. Break it down until the next step is clear.Then take that step.Once you begin moving again, the possibility of everything you're trying to create returns with you.Connect with Toru:* Website: torubeat.com* Instagram: @torubeat* YouTube: @torubeat* Spotify: Toru* Apple Music: ToruJoin The ProducerHead CommunityWhen you subscribe you'll get access to the full collection of Invisible Instruments, Sonic Stimulus Vol. 1, a royalty-free sample pack created for the community by Toru, access to ProducerHead Bars write-ups and extended frameworks, and an additional opportunity to have your music featured in The Pocket, a monthly community curation from ProducerHead.This episode was co-produced, engineered and edited by Matthew Diaz.From ProducerHead, this is Toru, and in a way, so are you. Peace. Get full access to ProducerHead at producerhead.substack.com/subscribe

Every Wednesday, Jake & Ben compete in Two 5-selection drafts - One sports-related & one not sports-related. This week on What You Got Wednesday: Best Individual Performances by an Athlete & Best Disney Songs Vote for your winner @JakeAndBenKSL on X.

Bryan High joins the Streaming Income podcast to help put recent private credit headlines and market volatility into perspective. Episode Segments: (01:25) – An overview of Barings' Global Private Finance platform  (04:23) – Putting the recent period of AI-induced volatility into context  (07:45) – Underwriting AI risk in software investments  (10:41) – Could AI trigger the next credit cycle?  (13:21) – Building resilience into portfolios – including sectors to avoid  (17:28) – Why being global matters in direct lending  (19:50) – How retail flows are impacting the competitive landscape in North America (23:53) – The structural value in European direct lending  (26:25) – The opportunity in developed APAC (28:36) – Assessing value across the entire credit spectrum (public & private) (32:05) – Capital Solutions as a complement to direct lending strategies  (34:55) – Fundraising momentum  (38:00) – What investors should watch over the next 12 months  Make sure to follow our LinkedIn newsletter, Where Credit is Due to stay up-to-date on our latest public & private credit market insights. IMPORTANT INFORMATION Any forecasts in this podcast are based upon Barings' opinion of the market at the date of preparation and are subject to change without notice, dependent upon many factors. Any prediction, projection or forecast is not necessarily indicative of the future or likely performance. Investment involves risk. The value of any investments and any income generated may go down as well as up and is not guaranteed. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. Any examples set forth in this podcast are provided for illustrative purposes only and are not indicative of any future investment results or investments. The composition, size of, and risks associated with an investment may differ substantially from any examples set forth in this podcast. No representation is made that an investment will be profitable or will not incur losses.  Barings is the brand name for the worldwide asset management and associated businesses of Barings LLC and its global affiliates. Barings Securities LLC, Barings (U.K.) Limited, Barings Global Advisers Limited, Barings Australia Pty Ltd, Barings Japan Limited, Barings Real Estate Advisers Europe Finance LLP, BREAE AIFM LLP, Baring Asset Management Limited, Baring International Investment Limited, Baring Fund Managers Limited, Baring International Fund Managers (Ireland) Limited, Baring Asset Management (Asia) Limited, Baring SICE (Taiwan) Limited, Baring Asset Management Switzerland Sarl, and Baring Asset Management Korea Limited each are affiliated financial service companies owned by Barings LLC (each, individually, an “Affiliate”). NO OFFER: The podcast is for informational purposes only and is not an offer or solicitation for the purchase or sale of any financial instrument or service in any jurisdiction. The material herein was prepared without any consideration of the investment objectives, financial situation or particular needs of anyone who may receive it. This podcast is not, and must not be treated as, investment advice, an investment recommendation, investment research, or a recommendation about the suitability or appropriateness of any security, commodity, investment, or particular investment strategy. Unless otherwise mentioned, the views contained in this podcast are those of Barings and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Parts of this podcast may be based on information received from sources we believe to be reliable. Although every effort is taken to ensure that the information contained in this podcast is accurate, Barings makes no representation or warranty, express or implied, regarding the accuracy, completeness or adequacy of the information Any service, security, investment or product outlined in this podcast may not be suitable for a prospective investor or available in their jurisdiction. Copyright in this podcast is owned by Barings. Information in this podcast may be used for your own personal use, but may not be altered, reproduced or distributed without Barings' consent. 26-5279988

Khatijah Rahmat, a postdoctoral researcher at the Max Planck Institute for the History of Science in Germany, says she's trying to build legitimacy around the concept of animal temporality — the ability to experience time — specifically in elephants. Doing so could have implications for conservation and beyond. "How we envision an animal's relationship to time influences whether we see them as feeling, remembering beings. My aim is to encourage a more dynamic view of their place in the world when we recognize them as equally temporal beings." This week on the Mongabay Newscast, Rahmat explains three key areas of evidence for interpreting elephant temporal experience and how this knowledge could be folded into how we think about protecting elephants or animals in general. "I think it increases the depth of empathy we can have for animals," she says. "It can really push the concepts of policy … but it also can really challenge some of our current, basic assumptions about how we think about logic and evidence." Image credit: An elephant that has just wallowed in mud in the Linyanti River in northern Botswana. Image by Roger Borgelid for Mongabay. Please take a minute to let us know what you think of our podcast, here. —— Timecodes (00:00) Why study how animals experience time? (06:58) Elephant eco-cultural identity (11:58) Human-impacted time (27:03) Individual elephant history (34:44) Getting hit with a pineapple is no accident (39:30) How this might help conservation

On this week's episode ofThe Feds, Stephanie speaks with Hilda Labrada-Gore, host of the Wise Traditions podcast and an integrative health coach whose show has reached over 16 million downloads worldwide. Together they unpack the intersection of health policy, federal authority, and the role of the individual in the American way of life.The conversation dives into the recent flipping of thefood pyramid, the efforts of the administration to shield pesticide companies from liability, and the ever-growing movement towards ancestral nutrition and a whole-food lifestyle.Hilda shares principles of the Weston A. Price Foundation and habits for endless energy. She dives into the importance of sunlight for human beings, and why the fear and caution of the sun instilled in today's Americans may not be good or true. Hilda discusses the standard American diet that is overwhelmingly made up of“dead foods,” and encourages the listener to move away from these and towards food that is alive (ferments).Be sure to listen till the end to hear Hilda's thoughts on what the long game truly is! ✅Follow Hilda:HolisticHilda.com✅Listen to theWise Traditions podcast:WestonAPrice.org/podcast ✅Check outThe Mother Code: Six Habits for Endless Energy:https://www.holistichilda.com/course✅Visit the Weston A. Price Foundation:WestonAPrice.org ✅Find a Farm!FarmMatch.com 

Financial advice is everywhere online. Some of it is mathematically correct, but that does not mean it is right for your situation. Popular tips can sound smart, but if money is already tight, those strategies can sometimes make things worse instead of better. Hear the full episode to learn about some of the most common financial tips circulating online and why, in the wrong situation, they can quietly push people deeper into debt. Using Home Equity for Debt – What You Need To Know First Credit Counselling vs Consumer Proposal Reliable Financial Motivation – Our Monthly Newsletter Free Budgeting Planner – For Realistic Tracking Hoyes Michalos YouTube Channel – Free Canadian Debt Answers 00:00 – The problem with financial advice on the internet 02:20 – Why good advice can still be wrong for your situation 04:50 – Bad advice #1: "Just transfer the balance to a 0% card" 08:40 – Why moving debt doesn't actually reduce debt 11:40 – Bad advice #2: "Invest instead of paying down debt" 15:00 – Why guaranteed interest beats theoretical returns 18:00 – Bad advice #3: "Use your HELOC to fix everything" 21:10 – Turning unsecured debt into secured debt 23:40 – Bad advice #4: "Just hustle harder" 26:10 – The three tests for evaluating financial advice 28:40 – Why context matters more than internet tips   Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Sarah and Jim sit down to discuss the systemic issues at Spurs and why the challenges are deeper than any individual can solve right now. #SpursPodcast #TottenhamNews Join this channel to get access to perks: https://www.youtube.com/channel/UCFyOVS9_WQa0KaoSU06CaFQ/join Learn more about your ad choices. Visit podcastchoices.com/adchoices

In today's story, OP and partner is hosting a dinner and one of the guests is someone who is extremely obnoxious and OP wonders if he should call him out.00:00 Intro00:24 Story 1 u/Gry4232m303:57 Comments06:52 Edit/Update08:33 Story 2 u/azuras712:48 Comments13:56 Update14:56 Story 3 u/poisondaisy16:53 Comments20:03 Update20:33 Outro#redditupdate #redditrelationship #redditpodcast Hosted on Acast. See acast.com/privacy for more information.

From boardrooms to headlines, vendor pitches to strategy decks, AI is suddenly everywhere. For many leaders, the conversations surrounding AI can be confusing and overwhelming. Is AI really helpful, or just overhyped? This episode of the Forward Thinking Podcast features FCCS SVP of Marketing and Communications Stephanie Barton and Michael Thomas, Chief Data Scientist at Ketchbrook Analytics for a conversation about AI without the BS – by demystifying AI misconceptions, exploring AI opportunities and risks, and understanding how leaders today can implement AI into the broader digital transformation journey strategy.    Episode Insights Include: Common AI misconceptions in farm credit boardrooms AI being used for loan decisioning.  Generative AI should not be used to make individual loan data decisions.  AI being used as a general blanket for an entire organization.  Generalized AI models can be leveraged to increase productivity.  AI cannot be thrown at all customized business processes.  Individual questions cannot effectively be answered by AI.    Positive applications of AI in farm credit Microsoft CoPilot is being used effectively to effectively summarize and generalize document content.  Extensive pdf documents can be simplified with AI assistance.  Large language models can assist with the farm credit system.    Possibilities for further AI adaptation Prompt-driven user dashboards can allow for quicker recall of desired information.  Large language models can bring data together for the user.  Product catalogues chatbots can provide quick answers for users.  Try it and see – AI has countless possibilities that may be helpful.    AI versus machine learning and automation AI usually refers to generative AI.  Machine learning generally outputs one fixed idea.  Generative AI is a newer concept that produce varying lengths of output.  Machine learning helps organizations make better, data-driven decisions.  Generative AI helps organizations be more efficient across a variety of day-to-day tasks. Both have applicability to automation.    Promising applications for AI application in farm credit Increased efficiency is guaranteed with AI.  Sales should be working with a large language model to create a polished sales pitch.  AI can be leveraged to review the work that you have already done.  AI can support, review, and enhance your original thoughts and work.    Avoiding the risks and dangers of AI There is little to no room for error in farm credit, and AI is not fool-proof.  AI offers promises including improved hiring and productivity gains.  Critical thinking skills are at risk from AI, as well as the messy deployment of fully autonomous AI agents. Additional improvements include revolutionary game-changers in medicine and science.  Troubleshooting problems can be addressed more quickly with AI assistance.  Longterm adaptation has to be rolled out in a way that complements the workforce.    This podcast is powered by FCCS.   Resources   Connect with Michael Thomas – Michael Thomas   Get in touch – info@fccsconsulting.com   "AI should be thoughtfully baked into the products you're already using." — Michael Thomas   "AI has to be rolled out in a way that complements the workforce." — Michael Thomas   "Don't be afraid to use your brain first." — Michael Thomas   "Do not focus on the tools of AI or machine learning, focus on the problems that you want to solve." — Michael Thomas

In this powerful episode of the Public Health Joy Podcast, Dr. Joyee Washington sits down with Vinu Ilakkuvan, founder of POP Health and The Gaslit Project, for a bold conversation about power, policy, and people.Together, they unpack what community power really means in public health—and why it's essential in a landscape where corporate interests often shape health policy behind the scenes. Vinu shares how communities can organize, build lasting connections, and take strategic action to challenge systems that put profit over people.From real-world stories of successful grassroots resistance to practical insights on sustaining activism, this episode is both a wake-up call and a roadmap. At the heart of the conversation is a clear message: reclaiming health and well-being requires a shift in power—and collective action is how we get there.If you care about health equity, accountability, and building community-led change, this episode is one you won't want to miss.Key Points From This Episode:Community power is essential for driving policy change. [04:40 – 05:28]Corporate influence often undermines public health efforts. [04:40 – 06:03]Building connections within communities is crucial for activism. [08:20 – 09:07]Collective action can lead to significant change. [07:38 – 08:10] Inconvenience in community building is worth the effort. [10:00 – 12:00]Success stories inspire further activism and engagement. [28:36 – 32:06]Gaslit aims to empower communities against corporate power. [04:40 – 05:28]Public health must focus on root causes of health disparities. [02:20 – 04:40]Individual actions are important, but collective efforts are more effective. [26:14 – 28:26]The act of caring for communities is under attack. [24:45 – 25:38]If you enjoyed this episode, please subscribe, rate and, leave a review! For more transcripts, show notes,and more visit: Click Here

Steven Badger from Zelle LLP joins us to talk about all the "hot topics" in the always interesting world of hail and other weather-related claims.  Steve will cover all the emerging trends in these claims, including current fraud and other abuse schemes, and provide his recommendations on how to address the common issues. He will also talk about what he is seeing with recent expanded use of the appraisal process.  Finally, Steve will talk about how his clients are addressing these issues through underwriting and policy wording changes. Notable Timestamps [ 00:07 ] - The episode introduces a discussion on emerging trends in hail and weather-related insurance claims, including fraud schemes, disputes over damage assessments, and how insurers are exploring underwriting and policy wording changes to address recurring issues. [ 01:22 ] - A key industry trend is shifting toward bigger-picture solutions that reduce disputes altogether, such as improving building resilience or changing claims processes so insurers and policyholders spend less time fighting over losses. [ 02:12 ] - Roof resiliency is a major topic. If roofing materials could withstand moderate hail, many claims would never occur, raising debate about requiring more durable materials like Class 4 hail-resistant roofing in hail-prone states. [ 03:28 ] - Some insurers already offer premium discounts for homes with Class 4 hail-rated roofs, but experts argue broader mandates may be necessary to significantly reduce hail claim frequency and stabilize insurance markets. [ 05:39 ] - Insurers report a rise in fabricated hail and wind damage claims, particularly during slow storm years when contractors relying on storm work may be tempted to create damage to generate insurance-funded repairs. [ 07:24 ] - Fabricated damage raises complex coverage questions. If a contractor intentionally damages property, insurers must consider whether the loss could fall under vandalism or malicious mischief provisions. [ 09:40 ] - Disputes often shift from scope of damage to pricing. Estimating tools like Xactimate help set initial reserves, but they are still estimates and can be manipulated by adding or removing line items. [ 11:27 ] - Many policies ultimately require payment based on the "amount actually incurred," meaning the real cost of repairs. This shifts focus from software estimates to contracts, invoices, and proof of actual payments. [ 14:08 ] - Contractors and public adjusters may inflate estimates within software systems, even adding items like adjuster commissions that are often not covered, which can raise unrealistic expectations for policyholders. [ 15:33 ] - One strategy to counter inflated estimates is obtaining real competitive contractor bids. Presenting an independent price for the same work can help challenge excessive claims and refocus negotiations on actual costs. Your PLRB Resources Invoking "Our Option" – Increased Use of Preferred Contractor Networks https://www.youtube.com/watch?v=kC_WAl0N7gI The Appraisal Process – Is it Still Useful to Resolve Disputed Claims? https://www.youtube.com/watch?v=v5YgKpL5FlI&t=1s Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Book a call: https://www.jordanapodaca.com/ Healing from betrayal or infidelity is incredibly difficult, especially when you're still in contact with the person who hurt you. Many people trying to recover from betrayal trauma are still living together, co-parenting, or deciding whether reconciliation is possible. In this video, I break down 7 practical steps that help people heal from betrayal trauma while still staying in the relationship. These steps focus on rebuilding safety, establishing transparency, setting boundaries around difficult conversations, and creating conditions where real trust can slowly return. You'll learn: - Why betrayal trauma keeps your nervous system on high alert - The role of transparency and accountability in rebuilding trust - How to talk about the betrayal without retraumatizing each other - Why space and outside support are critical for healing - When reconciliation may no longer be healthy Whether you're trying to repair the relationship or still deciding whether to stay or leave, the goal is the same: restoring safety for your nervous system and learning to trust yourself again. If you're navigating betrayal trauma and want support specific to your situation, we can talk through your circumstances and explore next steps together. Book a call: https://www.jordanapodaca.com/ ------------------------------------------------------------------------------- Timestamps 00:00 The Challenge of Healing While Still Together 00:48 Why Betrayal Trauma Feels So Triggering 02:10 Transparency Is Non-Negotiable 02:55 The Betrayer Must Take Responsibility 03:45 Boundaries Around Betrayal Conversations 04:38 Creating Space to Regulate 05:20 Don't Blindly Trust — Verify 06:18 Tracking Small Trust-Building Moments 06:52 When to Reconsider Reconciliation JJA Consulting LLC • Fully insured through Alternative Balance LLC • Based in Michigan • Sessions via Zoom • Confidential and results-based. Disclaimer Jordan is not a licensed therapist, counselor, or medical professional. His services are for educational and coaching purposes only and are not intended to diagnose, treat, cure, or prevent any mental or medical condition. Individual results vary. If you are in crisis or need clinical support, please reach out to a licensed mental-health provider or emergency services. Summary of Terms and Conditions Educational Purpose Only: Coaching and hypnosis sessions are for personal development and educational purposes only. Not Therapy or Medical Treatment: These services are not a substitute for counseling, psychotherapy, psychiatric, or medical care. Results Vary: Individual results vary depending on many factors. No specific outcome is guaranteed. Your Responsibility: You are responsible for your participation, decisions, and well-being before, during, and after sessions. You agree to remain coachable and follow the Practitioner's lead regarding session spacing. No Refunds: All sales are final except as required by law. We commit to working with you until the specific result is achieved, provided you remain committed to the process. Confidentiality: All private sessions are confidential except where disclosure is required by law. Intellectual Property: All session materials and methods are owned by JJA Consulting LLC and may not be shared or reproduced. Code of Conduct: We reserve the right to refuse or end services for disruptive, abusive, or unsafe behavior. Results-Based Model: You are purchasing a result, not a time-based subscription. We do not offer weekly check-in calls or "venting" sessions. We meet only when necessary to achieve the specific result. By scheduling or purchasing services, you agree to the full Terms and Conditions. You further agree that reasonable updates to these Terms to clarify the spirit of the agreement may apply to our engagement. FULL TERMS: https://jordanapodaca.com/#terms Subscribe to The Infidelity Recovery Podcast on Soundwise

Fri, Mar 6 3:36 AM → 3:37 AM attempt to locate a violent individual with assault charges from herndon va to LCSO Radio Systems: - Loudoun County

The USWNT beat Canada 1-0, thanks to Ally Sentnor's late goal, as Emma Hayes's team stays undefeated in the SheBelieves Cup. Join Darian Jenkins, Jen Beattie, and Lori Lindsey as they recap the USWNT's victory and analyze how well Canada challenged the United States. 00:00 - USWNT vs Canada reaction  05:52 - USWNT starting lineup  10:23 - Immediate reactions to the match  18:56 - Biggest lessons for the USWNT from tonight's match 23:04 - Individual performance that stood out from USWNT 35:04 - USA vs Colombia Preview 44:25 - Predictions for USA vs Colombia Watch USWNT and NWSL games on P+" with a link to  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.paramountplus.com/home/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Attacking Third is available for free on the Audacy app as well as Apple Podcasts, Spotify,  Google Podcasts, Stitcher and wherever else you listen to podcasts. Follow the Attacking Third team on Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AttackingThird⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@LisaCarlin32⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@SandHerrera_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Darian_Jenks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@CCupo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Visit the Attacking Third YouTube channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@wgolazo You can listen to Attacking Third on your smart speakers! Simply say "Alexa, play the latest episode of the Attacking Third podcast" o r "Hey Google, play the latest episode of the Attacking Third podcast." For more soccer coverage from CBS Sports, visit https://www.cbssports.com/soccer/ To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Today we meet EWP adjunct faculty Suryamayi Aswini Clarence-Smith to explore her work in Utopian studies, shaped by her upbringing in Auroville and her roots in Integral Yoga. We discuss integral approaches to education and her CIIS course, Prefiguring Utopia, which asks what a utopian learning experience might look like. We discuss the limits of rational teleology in utopian praxis and the importance of integral frameworks, like the Integral Yoga of Sri Aurobindo and the Mother, that emphasize the complementarity of multiple ways of knowing, harmonizing the planes and parts of the self, necessary to support collective transformation. The conversation also explores the scholar-practitioner as a site of transformation, and she shares a little about her course at CIIS, Awareness Through the Body, which guides students in exploring embodiment and contemplation, experimenting with their physical and psychic constitution, and we discuss this as a practice of cultivating conditions for transformative experiences grounded in revolutionary, evolutionary, and utopian ideals. Book - Prefiguring Utopia: The Auroville Experiment Book Talk - here Dr. Suryamayi Clarence-Smith is an award-winning scholar, educator and facilitator based in Auroville, India, the largest intentional community in the world. Suryamayi holds a PhD in International Development from the University of Sussex, and a BA from the University of California, Berkeley; she is currently affiliated with the Sri Aurobindo International Institute for Educational Research (SAIIER) in Auroville. Her research on utopian and prefigurative practice has been published by leading editors and publishers in the field, notably in the Ralahine Utopian Studies series (Peter Lang), the Alternatives to Capitalism in the 21st century series (Bristol University Press), and the Antipode Book Series (Wiley). Dedicated to sharing the outcomes of her research to various audiences, she lectures internationally in both academic and activist settings. The EWP Podcast credits Connect with EWP: Website • Youtube • Facebook Hosted by Stephen Julich (EWP Core Faculty) and Jonathan Kay (EWP Phd, Adjunct Faculty) Produced by: Stephen Julich and Jonathan Kay Edited and Mixed by: Jonathan Kay Music: Mosaic, by Monsoon on the album Mandala Introduction Voiceover: Roche Wadehra Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Reverse dieting has been a buzzword in fitness for years, promising a way to increase calories without gaining fat. But why do so many coaches and individuals still get it wrong? This episode dives deep into the 5 crucial mistakes that can derail your reverse diet, turning a promising strategy into a frustrating setback. Topics discussed: - Individual factors- Importance of adherence - Impact of gut issues on digestion and bloat- Metabolic adaptation- Nuance in approach for athletes vs. general population---------- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.metabolismschool.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---------- [Free] Metabolism School 101: The Video Series⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.metabolismschool.com/metabolism-101⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------Subscribe to My Youtube Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grab a Copy of My New Book - Metabolism Made Simple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---------- Stay Connected: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: @sammillerscience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube: SamMillerScience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook: The Nutrition Coaching Collaborative Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: @sammillerscience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠operations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@sammillerscience.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."

Send a textIntroMilestones 4:00Girls 9:30D1 29:30D2 49:00D3 1:13:30Senior Shoutout/"Other Guy on the Mat" Reading 1:39:00Support the show

The Slamfest Soundcheck is the debate of a variety of music-related topics outside of the traditional Slamfest Podcast-themed episodes. Episode 23 - A variation of the Individual artist output debate during a specific period topic. AC/DC: Bon Scott-era ('70's) vs. Brian Johnson-era ('80's).  Brad welcomes Slamfest crew members Andy and Brad C. Music in this episode by: AC/DC Tenacious D Aerosmith Visit the Slamfest Podcast online at: https://slamfest-podcast.simplecast.com Request to join the Slamfest Podcast private Facebook page here: https://www.facebook.com/groups/slamfestpodcast E-mail us at : slamfestpodcast@gmail.com

The crew comes together with their Top 10 Game Lists and figures out the OBJECTIVE TRUTH of what the Top 10 Games of 2025 were! 0:00:00 - Intro 0:03:38 - Runners Up 0:23:49 - Individual #10 0:29:21 - Individual #9 0:35:22  - Individual #8 0:40:36  - Individual #7 0:45:42  - Individual #6 0:52:56  - Top Game Soundtracks 0:57:57  - Individual #5 1:03:03  - Individual #4 1:11:01  - Individual #3 1:17:05  - Individual #2 1:24:16  - Individual #1 1:32:19  - The Final Deliberations For Top 10 #Top10 #GOTY2025 #GameoftheYear

What if the "healthy" foods you're eating every day are actually starving you?Dr. Katie Deming sits down with holistic nutritionist and teaching chef Monica Corrado to explore the nutrition philosophy behind the Deming Fast. This kicks off a brand new series called Inside the Deming Fast, and this first conversation zeroes in on something most fasting programs completely overlook: what happens after the fast ends. The refeeding phase isn't just a transition back to normal eating. It's the most powerful rebuilding opportunity your body may ever get.Chapters:00:04:03 - Rebuild With the Right Materials00:06:06 - The Anti-Inflammatory Reset00:08:04 - From Modern Food to Ancestral Healing00:09:53 - Clean Animal Foods as Foundation00:12:41 - Why Lectins and Oxalates Matter00:14:28 - The Hidden Cost of Plant Antinutrients00:18:26 - Rethinking Fats for Healing00:19:00 - Processed Oils vs Stable Animal Fats00:23:39 - Malnourished Yet Overfed00:26:53 - Foundational Foods That Rebuild00:30:23 - The Power of Liver and Organ Meats00:41:14 - Is Fertility a Sign of True Healing?Monica Corrado and Dr. Katie walk through the food guide they built specifically for people focused on healing, covering which foods rebuild the body at a cellular level, which ones trigger inflammation.Dr. Katie and Monica break down what antinutrients actually do inside the body and why learning about them could change the way you shop, cook, and eat for good.Monica also sets the record straight and why cutting fat out may be one of the most damaging things the low-fat era ever taught us to do.Plus, Dr. Katie also shares what she's personally learned from working with Monica, including how she eats now, what's always cooking in her kitchen, and why getting the food right turned out to be the first step she had to take with every single client before anything else could work.Press play and learn the four refeeding pillars that prevent you from sabotaging your fast. Access the FREE Water Fasting Masterclass Now: https://www.katiedeming.com/the-healing-power-of-fasting/Download the FREE Healing Tools Guide: https://bit.ly/drkatie-giftguide MORE FROM KATIE DEMING M.D. 6 Pillars of Healing Cancer Workshop Series - Click Here to Enroll Transform your hydration with the Spring Aqua System: https://springaqua.info/drkatie Follow Dr. Katie Deming on Instagram: https://www.instagram.com/katiedemingmd/ Please Support the Show Share this episode with friends & family Give a Review on Spotify Give a Review on Apple Podcast Watch on Youtube DISCLAIMER: The Born to Heal Podcast is intended for informational purposes only and is not a substitute for seeking professional medical advice, diagnosis, or treatment. Individual medical histories are unique; therefore, this episode should not be used to diagnose, treat, cure, or prevent any disease without consulting your healthcare provider.

The food, agriculture and planetary systems, for that matter, are all in serious need of change. No news there. But how? Individual investments and grants, however large, will never be big enough to move these systems. What we need is a serious, deep analysis of the food and agriculture space within a certain context: hundreds of hours of interviews with many stakeholders to map the players, the positive and negative feedback loops, and the intervention points with huge leverage (or not), trying to make sense of the messiness of a system. No, a map is never the territory, but it's better than no map.Then what? How do we go from mapping to action? It is key to build dedicated funding vehicles for-profit, low-return, no-return, philanthropy, the whole capital spectrum concentrated on the highest leverage points in a system. And then, and only then, we might have a chance to move something.CO_ is one of the most interesting regen investment vehicles we have come across, combining deep systems research with long-term, on-the-ground work, weaving until you have a common vision, and then deploying serious capital to make it work.More about this episode.==========================In Investing in Regenerative Agriculture and Food podcast show we talk to the pioneers in the regenerative food and agriculture space to learn more on how to put our money to work to regenerate soil, people, local communities and ecosystems while making an appropriate and fair return. Hosted by Koen van Seijen.==========================

Life is all about cycles: birth and death, the rise and fall of the seasons, Taylor Swift tour eras. Many cycles play out in the sky as well. One of them is in view in the wee hours of tomorrow morning, as the Moon and Sun stage a total lunar eclipse. All or most of it will be visible across most of the United States. A lunar eclipse occurs when the Moon passes through Earth’s long shadow. The Moon’s orbit is tilted a bit, so most months the Moon passes above or below the shadow. When the geometry is just right, though, it plunges through this cone of darkness. Each eclipse is part of a centuries-long cycle, known as a Saros. Individual eclipses in a Saros are separated by about 18 years. Tonight’s eclipse is the 27th of 71 eclipses in this cycle. The previous eclipse in the cycle took place in 2008, with the next in March of 2044. But several Saros cycles are unspooling at the same time, so Earth sees two or more lunar eclipses every year. Totality – when the Moon is fully immersed in the shadow – will last about 58 minutes. Alaska, Hawaii, and much of the West Coast will see the entire eclipse sequence. That includes the partial phases, as the Moon moves into and out of the shadow. Much of the rest of the country will see all of the total eclipse, and most of the partial phases, with the Moon setting before the eclipse ends. Script by Damond Benningfield

In this episode of Confidently Balance Your Hormones, Dee Davidson sits down with fertility educator Julie Lipsett to discuss how women can truly understand their menstrual cycle — and use that knowledge to either achieve pregnancy naturally or prevent it naturally.So many women are never taught how their cycle actually works. Instead, they are placed on hormonal birth control without understanding ovulation, cervical mucus patterns, progesterone shifts, or what a healthy cycle should look like.Julie shares how fertility awareness methods empower women to:Track ovulation accuratelyIdentify fertile windowsSupport hormone balance naturallyImprove chances of conceptionAvoid pregnancy without hormonal birth controlUnderstand what irregular cycles may be signalingWhether you're trying to conceive, avoid pregnancy, or simply want to understand your hormones on a deeper level, this episode gives you practical tools and empowering education.Understanding your cycle is not just about fertility — it's about metabolic health, hormone balance, and long-term wellness.Learn more about Julie and her work here:

--{ "Alan Watt on Midnight Rider with Mike Chambers"}-- Remembering Alan - Scotland, pipe and drums - War - Why is the U.S. birthrate plummeting? - What is Anthropic and why did Trump order agencies and companies with military contracts to stop using their technology? US and Israel strike Iran and kill their Supreme Leader. What is Chabad Lubavitch? - Culture creation - Science of empire making - Global Empire based on Free Trade - Rosicrucians - John Dee - King James. Hegelian Dialectic - Psychopath: runs on pure ego, will save ego at all costs, will rationalize everything - Deindustrialization of Britain - Amalgamation of Europe - Dominant Minority - Guardian class, Helpers, and “Its”. Television conditioning - Cartoons; loss of attention span. - American integration - CFR, Agenda 21 - Waking Up; authorized groups for followers, fronts, plants - Expectation of conflict and head-on resistance - Change is done in an Individual, not Groups. “Love” - Hollywood, Music - Getting above emotion to compassion - Stopping blaming ourselves - Eternal truths - Holy books, religion; Islam, Christianity - Good Shepherds, Sheep - Hinduism, Brahmanism; Creator and Destroyer. Blue to black police uniforms - Multi-Jurisdictional Task Forces - Advanced weaponry - Drug trade; Opium in China; Poppies in Afghanistan; Heroin in Marseilles, France - World Federation - Internationalism - Overpopulation Theory (from Elite) - Falling Birth-rates in Western countries.

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What if the “stubborn” dog at your feet is actually curious, independent, or just overwhelmed? We break down the Big Five puppy personality traits—sociability, confidence, biddability, resilience, and independence—and show how each one changes the way training should look, feel, and progress. Instead of forcing a one-size plan, we share how to read the dog in front of you and tailor sessions that build trust, reduce stress, and get results.Support the showFollow us on social mediaInstagram @BAXTERandBella Facebook @TheOnlinePuppySchool YouTube @BAXTERandBellaSubscribe to our site for FREE weekly training tips! Check out our FREE resources!Join our membership here.

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This episode is a bit different, and I am in the hot seat. Dan Harris (@danharris) interviewed me for his show, the 10% Happier with Dan Harris podcast, and I thought it was worth sharing here. Dan is a wonderful interviewer, and we got in the zone. He is also the bestselling author of 10% Happier and Meditation for Fidgety Skeptics: A 10% Happier How-To Book.This episode is brought to you by:Cresset family office services for CEOs, founders, and entrepreneurs: CressetCapital.com/TimAG1 all-in-one nutritional supplement: DrinkAG1.com/TimWealthfront high-yield cash account: Wealthfront.com/TimNew clients get 3.30% base APY from program banks + additional 0.75% boost for 3 months on your uninvested cash (max $150k balance). Terms and conditions apply. The Cash Account offered by Wealthfront Brokerage LLC (“WFB”) member FINRA/SIPC, not a bank. The base APY as of 1/30/26 is representative, can change, and requires no minimum. Tim Ferriss, a non-client, receives compensation from WFB for advertising and holds a non-controlling equity interest in the corporate parent of WFB, which creates a conflict of interest. Individual experiences and outcomes will differ. Instant withdrawals may be limited by your receiving firm and other factors. Investment advisory services provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, not bank-guaranteed or FDIC-insured, and may lose value.*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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