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In part two of Red Eye Radio with Gary McNamara and Eric Harley, SpaceX officially priced its initial public offering at $135 per share, raising $75 billion and making it the largest public offering in stock market history. The shares began trading under the ticker SPCX, marking the debut of a company valued at approximately $1.77 trillion. Also what life would be like on Mars / Jerry Seinfeld dismisses ‘Free Palestine' chant after Knicks game: ‘It Doesn't Exist' / and Gary's advantages with airline travel. For more talk on the issues that matter to you, listen on radio stations across America Monday-Friday 12am-5am CT (1am-6am ET and 10pm-3am PT), download the RED EYE RADIO SHOW app, asking your smart speaker, or listening at RedEyeRadioShow.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

NXT TakeOver: The End is remembered as one of the key events of the Black & Gold era, but the real question is…Did it matter?This week on The It Doesn't Matter Podcast, Dom, Ringside, His Choice, BDC, Platano, and Strap Facts revisit NXT TakeOver: The End and debate the lasting impact of every match on the card.

Stew and Smith are back with another episode of the It Doesn't Hold Up podcast discussing Michael Jackson's Moonwalker from 1988But does it hold up?Email – ⁠⁠itdoesntholduppodcast@gmail.com⁠⁠Instagram – @itdoesntholduppodcastTwitter/X - @doesntholduppodYoutube - @itdoesntholduppodcast

The family compound... This is such a hot button topic, and often a very emotional topic. So, we decided to look at 2 competing visions (Willie Robertson vs. Dave Ramsey) and break them down with a nuanced conversation. Jeremy and Jeff have experienced this first-hand, so they're talking about this from lived experience and hard-earned wisdom. Should you actually try to build a family compound? Why or why not? What questions should you answer first? How do you know if it'll be a good idea? Listen to this and see how close the tear-jerking dream is to reality for your family. On this episode, we talk about: 0:00 Why Family Compounds Are Amazing 4:01 Why Family Compounds Are Terrible 11:47 It Doesn't Just Happen 14:56 The Grandmother Dream ---

The road to Tag Team Immortality continues!After weeks of debate, shocking eliminations, and legendary matchups, Tag Team Madness has reached the ELITE 8 and FINAL FOUR!Which teams survive? Which legends fall? And who will move one step closer to being crowned the greatest tag team of all time?Join the It Doesn't Matter Podcast as we break down every matchup, debate every result, and determine which teams deserve a place in the championship round.

THE KNICKS JUST PROVIDED AN UPDATE ON MITCHELL ROBINSON'S INJURY AND IT'S MAKING EVERYONE BELIEVE THAT ROBINSON MAY HAVE PUNCHED SOMETHING! According to new reports, we have now identified the type of injury Mitchell Robinson has. And after reviewing the common causes of the injury, it sounds like Robinson may have punched something... Troy Mahabir breaks all of this down! SHOW CHAPTERS: 00:00 - Intro 00:16 - Presented By FanDuel 00:40 - Injury Updates Keep Getting Worse 01:16 - Robinson Broke 5th Metacarpal Bone 01:33 - Common Causes Of The Injury Suggest Mitch Punched Something 03:31 - Mitchell Robinson's Message To Knicks Fans After Updates Released 05:45 - FanDuel Odds For Knicks V Thunder & Knicks V Spurs 07:43 - It Doesn't Matter Who The Knicks Play, NY's Goal Remains The Same! 09:10 - The Knicks Recap Podcast Is Available On All Platforms! LISTEN NOW TO GET YOUR KNICKS FIX! Catch the latest special interviews, shorts, fan interactions, and more by following the show! Don't forget to turn on notifications so you don't miss another episode! Rather Watch the latest Knicks Recap episode? Catch us on YouTube here: https://www.youtube.com/@TheKnicksRecap Follow The Knicks Recap on all social media platforms! Twitter: https://twitter.com/TheKnicksRecap Instagram: https://www.instagram.com/TheKnicksRecap/ Reddit: https://www.reddit.com/u/TheKnicksRecap?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=share_button Facebook: https://www.facebook.com/TheKnicksRecap/ Rather Listen to The Knicks Recap on a different platform? Catch us on ALL of your favorite streaming platforms: Apple Podcast: https://apple.co/3SKSl8o Spotify: https://spoti.fi/3QrEfr6 iHeart Radio: https://www.iheart.com/podcast/269-the-knicks-recap-a-new-yor-100895112/ Amazon Music: https://amzn.to/3QoZrOd Other Pod Channels: https://anchor.fm/the-knicks-recap Grab our MERCH featuring some of the graphics you've seen us create to take your Knicks fandom to the NEXT LEVEL: MAIN STORE: https://theknicksrecap.myspreadshop.com/ CashApp: $TheKnicksRecap Have a comment about the show, an interview, or a graphic idea? Reach out to The Knicks Recap on ALL SOCIAL MEDIA PLATFORMS! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why should we pray the Psalms slowly?In this reflective teaching, John Ortberg explores the nature of Hebrew poetry, the structure of the Psalms, and why the language of prayer was never meant to be rushed.Using Psalm 90 and several other Psalms, John unpacks the beauty of biblical parallelism — repetition, pivots, refrains, and poetic movement that deepen meaning and slow the soul down enough to notice God.This episode explores:- Why the Psalms are poetry, not prose- Hebrew parallelism explained simply- Why repetition matters spiritually- Psalm 23, Psalm 88, and Psalm 90- Jesus' use of poetic teaching- Prayer as attentiveness rather than efficiencyFeaturing reflections from:- Eugene Peterson- C.S. Lewis- Robert LowthScriptures:- Psalm 90- Psalm 23- Psalm 88- Matthew 7#Psalms #Prayer #JohnOrtberg #SpiritualFormation #HebrewPoetry #BibleStudy #Psalm90 #ChristianFaith #EugenePeterson #CSLewis

It Doesn't Look Like Anything Yet: What Building a Vanity Teaches Us About TrainingHave you ever been in the middle of building something and thought, How is this ever going to come together? That's exactly what happened when Kevin and I spent three hours putting together our 13-year-old daughter's new vanity. Somewhere between scattered parts, a cracked panel, and a backwards drawer track, I realized… this feels a lot like training.In this episode, we share why building a strong runner isn't about one workout or one great week. It's about putting the right pieces together over time and trusting the process, even when progress feels invisible.We talk about:Why skipping foundational work often catches up with us laterHow base building creates support for everything elseWhy sleep, fueling, strength, mobility, and recovery are not optional extrasHow setbacks and small problems mirror the challenges that show up in trainingWhy correcting course early matters more than pushing throughLearning to trust the process, even when it doesn't look like much is happening yetThe question I want to leave you with is:What piece of your training are you leaving out right now?Because every piece matters, and sometimes the thing you're overlooking is the thing holding everything else together.03:41 Unboxing The Vanity Chaos07:21 Skipping Steps Risks10:28 Teamwork And Coaching13:21 Right Plan For You20:40 Recovery And Big Rocks26:14 Setbacks And Fixing Mistakes29:41 Fix It Before It Breaks34:30 Adjusting for Life Stress35:54 Trust the Slow Progress46:18 Overnight Success Myth49:10 What Piece Are You MissingJoin the 30 Day Running Reset and get a plan that will help you build a strong and injury-proof body by combining running and strength training in a way that actually works for runners like you.Gain access to my new secret podcast, Unbreakable: The Runner's Guide To Injury-Proofing Your Body After 40. Click here: https://www.realliferunners.com/secretJoin the Team! -->  https://www.realliferunners.com/team Thanks for Listening!!Be sure to hit FOLLOW on Apple Podcasts, Spotify, or your favorite podcast player Leave a review on Apple Podcasts. Your ratings and reviews really help and we read each one!Come find us on Instagram and say hi! Don't forget: The information on this website is not intended to treat or diagnose any medical condition or to provide medical advice. It is intended for general education in the areas of health and wellness. All information contained in this site is intended to be educational in nature. Nothing should be considered medical advice for your specific situation.

Checkout Goibibo: ⁠https://app.goibibo.com/mnXF/ol62526n⁠Get your hand-picked playbook here: https://www.figuringout.co/pdf/fo-512Guest Suggestion Form: ⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/bnaeY3FpoFU9ZjA47⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views. We do not intent to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help audience make informed choices. The media used in this video are solely for informational purposes and belongs to their respective owners.Order 'Build, Don't Talk' (in English) here: ⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.eu/d/eCfijRu⁠⁠⁠⁠⁠⁠⁠⁠Order 'Build Don't Talk' (in Hindi) here: ⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.eu/d/4wZISO0⁠⁠⁠⁠⁠⁠⁠⁠Follow Our Whatsapp Channel: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.whatsapp.com/channel/0029VaokF5x0bIdi3Qn9ef2J⁠⁠⁠⁠⁠⁠⁠⁠Subscribe To Our Other YouTube Channels:-⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@rajshamaniclips⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@RajShamani.Shorts⁠⁠⁠⁠⁠⁠⁠⁠

Stew and Smith are back with another episode of the It Doesn't Hold Up podcast discussing Beverly Hills Cop 3 from 1994But does it hold up?Email – ⁠⁠itdoesntholduppodcast@gmail.com⁠⁠Instagram – @itdoesntholduppodcastTwitter/X - @doesntholduppodYoutube - @itdoesntholduppodcast

THE KNICKS ARE MAKING MOVES! THE KNICKS HAVE RECENTLY WORKED OUT SEVERAL PLAYERS AHEAD OF THE NBA DRAFT AND THEY ARE LOOKING AT ALL PLAYERS! However, NY is currently targeting wing players more than any other position. And the wings they have been working out? THEY ARE LEGIT! The Knicks front office are already planning for the 2026 NBA draft. You have to see who they're targeting... IT WILL CHANGE THEIR FUTURE FOREVER! Troy Mahabir breaks all of this down! SHOW CHAPTERS: 00:00 - Intro 00:19 - Presented By FanDuel 00:43 - Knicks 2026 NBA Draft Plans 01:03 - Knicks Worked Out These Following Players 01:58 - NY Works Out Malachi Moreno (Kentucky Wildcats) 04:10 - NY Works Out Lajae Jones (Florida State) 06:35 - NY Works Out Zuby Ejiofor (St. Johns) 10:35 - NY Works Out Multiple Guards... 12:48 - FanDuel Odds For NBA Finals EXACT RESULTS 14:50 - Knicks Will Represent Eastern Conference In NBA Finals 16:58 - It Doesn't Matter Who NY Faces In The Playoffs... The Results Are The Same! 18:05 - Subscribe To The Knicks Recap Podcast On ALL PLATFORMS LISTEN NOW TO GET YOUR KNICKS FIX! Catch the latest special interviews, shorts, fan interactions, and more by following the show! Don't forget to turn on notifications so you don't miss another episode! Rather Watch the latest Knicks Recap episode? Catch us on YouTube here: https://www.youtube.com/@TheKnicksRecap Follow The Knicks Recap on all social media platforms! Twitter: https://twitter.com/TheKnicksRecap Instagram: https://www.instagram.com/TheKnicksRecap/ Reddit: https://www.reddit.com/u/TheKnicksRecap?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=share_button Facebook: https://www.facebook.com/TheKnicksRecap/ Rather Listen to The Knicks Recap on a different platform? Catch us on ALL of your favorite streaming platforms: Apple Podcast: https://apple.co/3SKSl8o Spotify: https://spoti.fi/3QrEfr6 iHeart Radio: https://www.iheart.com/podcast/269-the-knicks-recap-a-new-yor-100895112/ Amazon Music: https://amzn.to/3QoZrOd Other Pod Channels: https://anchor.fm/the-knicks-recap Grab our MERCH featuring some of the graphics you've seen us create to take your Knicks fandom to the NEXT LEVEL: MAIN STORE: https://theknicksrecap.myspreadshop.com/ CashApp: $TheKnicksRecap Have a comment about the show, an interview, or a graphic idea? Reach out to The Knicks Recap on ALL SOCIAL MEDIA PLATFORMS! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Faith, Healing, and the Power of Persistence: A Week in ReviewWelcome to "Word Time" as we dive into our classroom week in review. In this session, we tackle the complexities of faith and healing, moving past the "name it, claim it" extremes to find the solid, biblical middle ground. Using the imagery of a coach preparing a team for the playoffs, we explore why healing is often a progression—a "crock-pot experience" rather than a microwave miracle.We contrast the stories of Hezekiah, who received 15 years through a "cake of figs" (medicine), and Elisha, who died in his sickness yet carried an anointing so strong it raised the dead from his bones. Whether you are facing a medical report you didn't want or simply seeking a fresh empowerment of the Holy Spirit, this message is a call to be persistent. Don't walk away from the door just before it opens—keep knocking, keep seeking, and keep standing on the Word.Key Highlights:Context is Key: Why we must read the "66 scrolls" in their entirety, not just isolated verses.The Anatomy of the Body: Understanding 1 Corinthians 12 and the diversity of gifts for the profit of all.Crock-Pot vs. Microwave: Why "seed faith" and gradual progression often build stronger character than instant miracles.Medicine and Miracles: Looking at Hezekiah's "cake of figs" and why doctors are not a sign of unfaithfulness.The Elisha Paradox: How a man of God can die in sickness and still be a vessel of resurrection power.The Holy Spirit Buffet: A call to persistence based on Luke 11—knocking until the door of empowerment swings wide.Key Scriptures:1 Corinthians 12 – Diversities of gifts and the manifestation of the Spirit.2 Kings 20 – Hezekiah's healing and the use of medicine.2 Kings 13 – The death and remaining anointing of Elisha.Luke 11 – The persistent friend and the gift of the Holy Spirit.Acts 1 & 8 – The baptism and power of the Holy Ghost.#FaithAndHealing #BiblicalTeaching #HolySpirit #KingHezekiah #Elisha #PersistentPrayer #WordTime #ChristianGrowth0:00 - Intro: Classroom Week in Review0:40 - Beyond the "Name It, Claim It" Movement1:19 - 1 Corinthians 12: Diversities of Gifts and Ministries2:45 - The Purpose of Manifestation: Profit for All3:49 - Gift of Faith vs. The Measure of Faith4:48 - Healing as a Progression: The Seed and the Harvest6:25 - Facing the Report: Detached Tendons and Faith7:31 - Overloading the Muscle: Why God Allows Resistance8:47 - Rooted and Grounded: Rejecting the Spirit of the World10:10 - The Crock-Pot Experience: Hezekiah and the Cake of Figs11:59 - Faith Overcomes Fear, It Doesn't Deny It12:51 - The Elisha Paradox: Anointing in the Midst of Sickness16:23 - Hospital Ministry: Being a Miracle to Others18:48 - God's Purpose in the Process20:07 - Acts 8: The Difference Between Belief and Empowerment23:01 - Luke 11: The Three Loaves and Persistent Knocking26:34 - How Much More? The Father's Gift of the Holy Spirit28:00 - Closing Prayer: Encouragement for the Sick and Weary

We're going back to 2001 for a full breakdown of one of the most stacked Attitude Era PPVs—WWE Judgment Day 2001.On this episode of The It Doesn't Matter Podcast, Dom, Strap, and Platano review every match, debate the biggest moments, and talk about where this show ranks in WWE history.But before we dive into the PPV… we react to the recent WWE releases, including Kofi Kingston, and what it could mean moving forward.Then we break down:* William Regal vs Rikishi* Kurt Angle vs Chris Benoit (2 out of 3 Falls – Ladder finale!)* Rhyno vs Test vs Big Show (Hardcore Title chaos)* Chyna vs Lita (Women's Championship)* Kane vs Triple H (Chain Match for the IC Title)* Tag Team Turmoil (No. 1 Contender spot)* Stone Cold Steve Austin vs The Undertaker (No Holds Barred WWF Title main event)Was this PPV underrated or just another Attitude Era wild card?Drop your favorite match in the comments and let us know your rating for the show!⸻

WCW ran a wrestling show in North Korea… in front of over 300,000 people… and somehow it felt completely silent.In this episode of The It Doesn't Matter Podcast, Dom, BDC, and Strap break down Collision in Korea (1995) — one of the most bizarre and fascinating events in wrestling history.From Chris Benoit vs 2 Cold Scorpio… to the mix of NJPW, WCW, and AJW talent… to the surreal main event between Ric Flair and Antonio Inoki — this show feels like a hidden gem inside one of the strangest atmospheres ever.

Stew and Smith are back with another episode of the It Doesn't Hold Up podcast discussing Moonraker from 1979But does it hold up?Email – ⁠⁠itdoesntholduppodcast@gmail.com⁠⁠Instagram – @itdoesntholduppodcastTwitter/X - @doesntholduppodYoutube - @itdoesntholduppodcast

Tonight on The It Doesn't Matter Podcast, we take it back to WCW Spring Stampede 1994 from Rosemont, Illinois—and this show is ALL over the place in the best (and worst) ways.Platano made the pick, BDC is in the building, and Strap is on location as we break down a stacked card featuring:* Ric Flair vs Ricky Steamboat (World Title)* Sting vs Rick Rude for the BIG Gold* Stunning Steve Austin vs The Great Muta* Cactus Jack in a Chicago Street Fight chaos match* Vader dominating as only Vader canWe talk:

Today I welcome to the podcast Drs. Risa Adams, Robin Beardsley, and Elizabeth Parsons. They are family physicians turned psychotherapists who came together during the pandemic to write, find community, and speak for their parts. What they found in that process and wrote about in their new book, It Doesn't Have To Be This Way: A Physician's Guide To Radical Self Care (by three physicians who've been there), is something most caregivers, doctors, healthcare workers, therapists, parents, partners, anyone who finds their worth in being needed, will recognize. In This Episode The parts that helped you survive by taking care of everyone else Why fear and shame rarely get spoken out loud in medicine, or anywhere caregiving happens What finally broke each of them, and what helped Writing as a way to let parts be witnessed for the first time Why belonging and helping got tangled together so early Takeaways Helper parts learned that helping was the price of belonging The parts that make you good at caring for others are often the same parts driving burnout Burnout is a signal that the strategy has run out of space Being witnessed by people who get it can reach parts that have never been spoken out loud The culture around caregiving, in medicine and elsewhere, rewards the helper and punishes the one who needs This episode is for anyone who has ever made themselves smaller so there would be room to help. Links: Book: It Doesn't Have to Be This Way: A Physician's Guide to Radical Self-Care IFS Canadian Community Conference: A two-day online gathering for professionals using Internal Family Systems in their work, and for those exploring how IFS may support their professional practice. June 5-6, 2026, online. About the guests: Risa Adams, MD, CCFP, is a family physician with a focused practice in perinatal mental health and complex PTSD. She is a Certified IFS Therapist, Approved Clinical Consultant and Trainer with the IFS Institute. Through her own travels with mental health she has come to appreciate the complexity of being a human while being a physician, with a special interest in intergenerational trauma. Risa lives in Elora, Ontario, with her partner and two children, and hopes to help bring IFS to doctors, patients and her own communities. Robin Beardsley, MD, FCFP, a Family Physician with over 35 years' experience of comprehensive family medicine practice and psychotherapy with a focus on care for the caregiver. She is a certified IFS-I Therapist, approved Clinical Consultant, with extensive training in the Satir Model and is a trained teacher of Mindful Self Compassion. She also works with learners, as a faculty member of the Department of Family Medicine at the University of Ottawa, and teaches Self Compassion for Health Care Communities. These experiences of working with and healing from empathic distress in medical communities with IFS and Self-Compassion, along with her own journey of being a caregiver, personally and professionally, has given her a greater understanding of the complexity and multiplicity of our systems. She lives in Ottawa, Ontario with her husband and adult children nearby.   Elizabeth Parsons, MD, FCFP, has been a physician for over 25 years, practicing psychotherapy since 2007. She is a Certified IFS therapist and an Approved Clinical Consultant with the IFS Institute. In addition to IFS, Elizabeth is trained in trauma therapy and has been facilitating psychotherapy groups since 2010. Her interest in physician well being goes back to residency, when she surveyed medical residents on their coping strategies. She has been closely involved with the Medical Psychotherapy Association Canada since 2007, launching a self-care retreat for physicians that has run annually since 2012. Elizabeth lives in Ottawa, Ontario, with her husband and 3 children. About The One Inside I started this podcast to help spread IFS out into the world and make the model more accessible to everyone. Seven years later, that's still at the heart of all we do.  Join The One Inside Substack community for bonus conversations, extended interviews, meditations, and more. Find Self-Led merch at The One Inside store. Listen to episodes and watch clips on YouTube. Follow me on Instagram @ifstammy or on Facebook at The One Inside with Tammy Sollenberger. I co-create The One Inside with Jeff Schrum, a Level 2 IFS practitioner and coach. Resources New to IFS? My book, The One Inside: Thirty Days to Your Authentic Self, is a great place to start. Want a free meditation? Sign up for my email list and get "Get to Know a Should Part" right away. Sponsorship Want to sponsor an episode of The One Inside? Email Tammy. 

What if the reason you feel alone on your spiritual path is simply because you forgot who's been walking alongside you the entire time? In this episode, Will & Karen sit down with Marty Rawson, founder of Spirit Alliance, author, multidimensional healer, and certified practitioner of everything from EMF Balancing to Melek-level light work. Marty brings a grounded, no-nonsense approach to the big questions, and his answers have a way of making the mystical feel surprisingly practical.Before the interview, Will opens with a personal reflection pulled from The Living Gita, wrestling with one of the hardest spiritual practices in a divided world: looking at the person across the aisle and genuinely seeing yourself. It's a moment of rare honesty that sets the tone for everything that follows.Then Marty takes over, and the conversation goes deep fast.Here's a taste of what you'll hear:Why Earth was turned into what Marty calls "the emotional university of the universe," and what that means for why you're here right nowThe real reason most people can't connect with their angels and guides (and it's not what you'd expect)How spirit communicates differently with every person, and the one subtle sign almost everyone is already receiving without realizing itWhy Karen's "doubt" and Will's "fear" might actually be the same thing, just wearing different clothesMarty's own turning point. a divine intervention that changed everything. and what he felt in the presence of beings of pure love and lightThe surprisingly simple first step to opening your third eye that has nothing to do with meditationHow one person, starting from exactly where they are, can actually change the worldMarty also talks about his book, It Doesn't Have to Be This Way: A Spirit Alliance, available on Amazon worldwide, packed with techniques for working with energy, understanding universal laws, and beginning to experience multidimensionality for yourself.If you've been wondering whether that connection to something greater is real, or whether it's meant for someone else and not you, this episode was made for you.Enjoyed this episode? Leave us a review on Apple Podcasts or your favorite platform, and share it with someone who needs to hear it. You can also support the show and connect with us at skepticmetaphysician.com.The Skeptic Metaphysicians is a spiritual awakening podcast for open-minded thinkers who refuse to check their critical thinking at the door. Each episode explores consciousness expansion, enlightenment, soul purpose, and soul growth through honest, grounded conversation with leading voices in metaphysics, psychic phenomenon, quantum healing, and beyond. We dive deep into spiritual awakening, ascension, alignment, and the awakening process without the dogma. From mediumship and spirit guides to Arcturian contact, astrology, and the subconscious mind, we explore it all with curiosity, humor, and zero guru worship. Whether you're in the middle of your own awakening, questioning reality, or just spiritually curious, this is the podcast for seekers and skeptics alike.Subscribe, Rate & Review!If you found this episode enlightening, mind-expanding, or even just thought-provoking (see what we did there?), please take a moment to rate and review us. Your feedback helps us bring more transformative guests and topics your way!Connect with Us: 

Top 32 NFL Coaches, Doc Rivers Calls Out Team and It Doesn't Go Well full 1282 Wed, 08 Apr 2026 14:00:08 +0000 szgRgJrXUsXN5o3K16U04DahGniUB7AS nfl,doc rivers,nfl coaches,sports Fescoe & Dusty nfl,doc rivers,nfl coaches,sports Top 32 NFL Coaches, Doc Rivers Calls Out Team and It Doesn't Go Well Fescoe in the Morning. One guy is a KU grad.   The other is on the KU football broadcast team,  but their loyalty doesn't stop there as these guys  are huge fans of Kansas City sports and the people  of Kansas City who make it the great city it is.   Start your morning with us at 5:58am!   2024 © 2021 Audacy, Inc. Sports False https://player.amperwave

Jason Fried didn't follow the startup rules most founders swear by. He rejected venture capital, refused to chase growth at all costs, and chose to stay small on purpose. What started as a scrappy web design agency turned into Basecamp, a multi-million-dollar business built on profitability, simplicity, and conviction. In this episode, Jason joins Ilana to challenge everything you think you know about scaling a business. He also opens up about how a single leadership decision caused 30% of his company to quit overnight, and how staying principled ultimately made the company stronger. Jason Fried is the co-founder and CEO of 37signals, the company behind Basecamp and HEY. For over 27 years, he has grown Basecamp into a multi-million dollar business without ever taking venture capital or chasing aggressive growth targets. In this episode, Ilana and Jason will discuss: (00:00) Introduction  (03:18) Lessons from Selling Stereo Equipment as a Kid (06:58) Starting 37signals from Scratch (14:13) Pivoting to Software Through Basecamp   (16:41) The Perks of Being a Small Company (27:24) The Policy That Made 30% of the Company Quit  (31:45) Surviving the Backlash and Rebuilding the Team (39:21) Building Thicker Skin as a Leader (42:43) How to Incorporate AI Without Getting Carried Away (45:15) How Basecamp Is Reinventing Itself with Version 5 (48:56) Why Jason Won't Advise His Younger Self (54:07) Q&A: How to Decide Your Next Career Move Jason Fried is a co-founder and CEO of 37signals, the makers of Basecamp. He is a bestselling author of Rework and It Doesn't Have to Be Crazy at Work. Known for his contrarian approach to entrepreneurship, Jason emphasizes simplicity, profitability, and long-term thinking. For over 27 years, he has grown Basecamp into a multi-million dollar, fully profitable business without ever taking venture capital or chasing aggressive growth targets. Connect with Jason: LinkedIn: linkedin.com/in/jason-fried  X: https://x.com/jasonfried Resources Mentioned: Jason's Books:  Rework: https://www.amazon.com/Rework-Jason-Fried/dp/0307463745 It Doesn't Have to Be Crazy at Work: https://www.amazon.com/Doesnt-Have-Be-Crazy-Work/dp/0062874780  37signals' Website: https://37signals.com  Basecamp's Website: https://basecamp.com  Leap Academy: Ready to make the LEAP in your career? There is a NEW WAY for professionals to fast-track their careers and leap to bigger opportunities.  Check out our free training today at https://bit.ly/leap--free-training

Chronic pain affects one in five adults, yet it remains a deeply personal and often misunderstood experience. For many, the search for relief becomes a cycle of treatments that fail to deliver lasting results, sometimes leading to long-term reliance on medications that can significantly impact quality of life. In this special episode of Curing with Sound, we examine the future of pain management from three unique perspectives. We begin with renowned neurosurgeon and CNN Chief Medical Correspondent Sanjay Gupta, MD, who shares insights from his latest book, It Doesn't Have to Hurt: Your Smart Guide to a Pain-Free Life. Dr. Gupta explores how pain is not merely a physical signal, but a complex experience shaped by the brain and nervous system, one influenced by movement, sleep, stress, and daily interactions. The episode also features Lauren Hadley, MD, MBA, the Foundation's Associate Director of the Research and Education Team, who discusses the science behind focused ultrasound as a noninvasive alternative to traditional surgery and pharmacologic treatments.  Finally, we hear from Reginald Masters, a patient whose chronic low back pain was successfully treated with focused ultrasound, offering a compelling firsthand account of life before and after treatment. Discussion highlights: The Neuroscience of Pain: Dr. Sanjay Gupta examines the subjective nature of pain, drawing on years of clinical experience and reporting to shed light on how pain is understood and managed. A Noninvasive Revolution: Dr. Lauren Hadley explains how focused ultrasound is transforming pain treatment by targeting the source through approaches such as thermal ablation and neuromodulation. A Patient's Journey to Relief: Reginald Masters shares his experience living with debilitating pain for decades and finding rapid relief through a noninvasive focused ultrasound procedure. All patient stories featured on the Curing with Sound podcast are personal accounts of an individual's experience with focused ultrasound treatment. Please be aware that each patient's situation is unique, and outcomes may vary. The information provided in this story should not be considered as medical advice or a guarantee of specific results. It is important to consult with a qualified healthcare provider to discuss your condition and determine the best treatment options for you. The Focused Ultrasound Foundation does not endorse any specific treatment or medical procedure and encourages all patients to seek professional medical guidance tailored to their individual needs. EPISODE TRANSCRIPT ---------------------------- QUESTIONS? Email podcast@fusfoundation.org if you have a question or comment about the show, or if you would you like to connect about future guest appearances.  Email info@fusfoundation.org if you have questions about focused ultrasound or the Foundation.  FUSF SOCIAL MEDIA LinkedIn X Facebook Instagram TikTok YouTube FUSF WEBSITE https://www.fusfoundation.org FOCUSED ULTRASOUND TREATMENT SITES https://www.fusfoundation.org/the-technology/treatment-sites/ SIGN UP FOR OUR FREE NEWSLETTER https://www.fusfoundation.org/newsletter-signup/ READ THE LATEST NEWSLETTER https://www.fusfoundation.org/the-foundation/news-media/newsletter/ DOWNLOAD "THE TUMOR" BY JOHN GRISHAM (FREE E-BOOK) https://www.fusfoundation.org/read-the-tumor-by-john-grisham/  

Practical tools to break "automatic habits" and take back your agency.   Gabor Maté is a retired physician who, after 20 years of family practice and palliative care experience, worked for over a decade in Vancouver's Downtown East Side with patients challenged by drug addiction and mental illness. The bestselling author of five books, including the award-winning In the Realm of Hungry Ghosts, Gabor is an internationally renowned speaker highly sought after for his expertise on addiction, trauma, childhood development, and the relationship of stress and illness.    In this episode we talk about: Practical strategies for dealing with both our addictive tendencies and scattered minds The real question to ask yourself when it comes to addiction  Maté's relationship with ADHD The relationship between ADHD and addiction Tools for conscious harm reduction  The practice of "Compassionate Curiosity" "Re-parenting" practices for your nervous system  And more   Related Episodes: Modern Life Is Making You Sick, but It Doesn't Have To   Get the 10% with Dan Harris app here Sign up for Dan's free newsletter here Follow Dan on social: Instagram, TikTok Subscribe to our YouTube Channel   Additional Resources: Rethinking ADHD The Myth of Normal Scattered Minds Join Dan and Emmy Award-winning journalist Allison Gilbert at 92NY on May 17th for a live conversation about how mindfulness can deepen connection and combat loneliness, available in person and via streaming. Register here. Join Dan, Sebene Selassie and Jeff Warren for Meditation Party, a 3-day immersive retreat at the Omega Institute in Rhinebeck, NY, October 16–18, 2026. Register here.   To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/10HappierwithDanHarris  

Faith-based investing has been around for decades, yet many investors still wrestle with an important question: Does aligning your investments with your values mean sacrificing performance or diversification? As more people seek to steward their resources in ways that reflect their convictions, it's worth taking a closer look at what faith-based investing really is—and what it isn't. On today's show, Brian Mumbert, President of Timothy Plan—a pioneer in faith-based mutual funds—joined us to help clear up some of the most common misconceptions and offered a clearer picture of how values-driven investing really works. What Is Faith-Based Investing? At its core, faith-based investing seeks to align financial decisions with biblical values. This often involves screening out companies whose practices conflict with those convictions while still pursuing wise, disciplined investment strategies. Despite its growing popularity, several misconceptions persist. Misconception #1: “Faith-Based Funds Always Cost More” One common assumption is that filtering companies based on values automatically leads to higher fees. In reality, faith-based funds are managed much like traditional mutual funds. They involve professional research, portfolio management, and strategic allocation. In many cases, expense ratios are comparable—especially with the availability of lower-cost options like ETFs. That said, there may be instances where costs are slightly higher. But as Brian Mumbert noted, many investors are willing to pay slightly more to ensure their investments reflect what they truly value. Misconception #2: “You Have to Sacrifice Performance” Another concern is that prioritizing values means settling for weaker returns. But values-based screening doesn't replace sound investment analysis—it works alongside it. Professional managers still evaluate fundamentals, risks, and long-term opportunities. In fact, many faith-based funds have demonstrated competitive performance over time, and in some cases, have even outperformed their unscreened counterparts. As Mumbert explained, the goal is to combine wise stewardship with disciplined investing—not to choose between them. Misconception #3: “It Doesn't Really Make an Impact” Some critics argue that faith-based investing lacks real-world impact since most stock transactions occur on the secondary market. While it's true that buying and selling shares doesn't directly fund companies in the same way as an initial public offering, investing still represents ownership—and ownership matters. Mumbert pointed out that shareholders have a voice. They can vote proxies, engage with companies, and choose not to profit from industries that conflict with their convictions. For many believers, that's a meaningful form of stewardship. Misconception #4: “Screening Limits Diversification” A final concern is that excluding certain companies will significantly narrow investment options. In practice, even strict faith-based screens still leave a vast majority of the investable universe available—often around 90%. That means investors can still achieve broad diversification across sectors and asset classes while remaining aligned with their values. A Better Way to Think About Investing Faith-based investing isn't about making a symbolic statement or checking a box. It's about recognizing that every financial decision reflects what we value—and choosing to steward those decisions intentionally. It invites us to ask a deeper question: What does faithfulness look like in the way I invest what God has entrusted to me? You don't have to choose between conviction and competence. Faith-based investing offers a way to pursue both—aligning your portfolio with your beliefs while still practicing wise, disciplined stewardship. Because in the end, investing isn't just about returns—it's about responsibility. Learn More If you'd like to explore faith-based investing options, Timothy Plan has been a trusted leader in this space for more than 30 years—offering mutual funds and ETFs designed to help investors align their portfolios with their biblical values. To learn more, visit TimothyPlan.com. On Today's Program, Rob Answers Listener Questions: I'm confused about how to report an annuity on our taxes. We started it with $6,000 in 2011, and it's now worth about $205,000. How do I determine the correct cost basis, especially with fees over time? We have $20,000 to invest and want something safe and fairly liquid. Should we use CDs or T-bills, and how do T-bills work through TreasuryDirect or a brokerage? My son's business is struggling, and he's relying on payday loans. How can he get out of this cycle, and who should he talk to for guidance or debt consolidation? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Timothy Plan Fidelity | Charles Schwab Christian Credit Counselors Christian Community Credit Union | AdelFi TreasuryDirect.gov Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is NXT TakeOver: Dallas one of the greatest wrestling shows ever?On this episode of The It Doesn't Matter Podcast, we break down the legendary 2016 TakeOver — and this one hits different because Strap and Ringside were LIVE in attendance.We're talking real crowd energy, real reactions, and how it compares watching it back 10 years later.Featuring:American Alpha vs The Revival

This week on Ministry Minute, we present a brand new message entitled “It Doesn't End Here!” We celebrate Good Friday and the transformative power of Jesus Christ's sacrifice and resurrection. We discuss how Jesus died for our sins and rose again three days later, offering us hope, victory, and the gift of eternal life. #JesusLovesYou #Resurrection #MinistryMinuteIt Doesn't End Here! | Ministry Minute EP309Romans 10:9:That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised Him from the dead, thou shalt be saved.We all have sinned, we all have made mistakes, but in spite of our imperfections, a perfect God sent His Perfect Son to die for those very imperfect sins, so we can have eternal life. THAT'S REAL LOVE. THAT'S JESUS' LOVE. In order to receive this forgiveness you must confess and repent of your sins and accept Jesus Christ into your heart which you can do by saying this prayer wholeheartedly:Dear God,I confess and admit that I am a sinner, and I ask that You please forgive me and save me. I renounce and repent of all my sins, iniquities, and transgressions. I confess that Jesus, You are LORD, and I believe with all my heart that You died and rose again. I put my complete faith in Your finished works on the cross and I believe because of Your Blood that was shed, my sins can be forgiven. I ask that You be the Head of my life and the LORD of my life from this day forward, and I ask that You please help me to live for You all the days of my life.In Jesus Name I Pray,Amen.I'm Saved, What's Next:- Be Baptized In Jesus Name- Be Filled With The Holy Ghost- Live A Holy LifeJesus Is Soon To Return— BE READY!!#Christianity #Christian #Jesus #Bible #God #Faith #JesusChrist #Church #love #Bibleverse #Gospel #prayer #HolySpirit #Godisgood #pray #biblestudy #Scripture #hope #truth #religion #JesusLovesYou #worship #grace #JesusSaves #amen #blessed #Christianlivinghttps://www.joshuahopkinsstudios.com/productions/ministryminute

Stew and Smith are back with another episode of the It Doesn't Hold Up podcast discussing Problem Child from 1990But does it hold up?Email – ⁠⁠itdoesntholduppodcast@gmail.com⁠⁠Instagram – @itdoesntholduppodcastTwitter/X - @doesntholduppodYoutube - @itdoesntholduppodcast

March 29, 2026 - Sunday AM Sermon   In this episode Neal reflects and references a reading by Jed as they unpack the omnibenevolence of God through Scripture and historical voices like Barton W. Stone, Walter Scott, and N.B. Hardeman. Topics include the nature of God's love—its endurance, universality, impenetrability, and impartiality—and how that love is shown in Christ's sacrifice, forgiveness, guidance, and restoration. Key points cover what God's love does (saves, creates intimate relationship, forgives, leads and restores) and why it matters: God's love reaches everyone, doesn't cease when we fail, reassures us of God's presence and provision, and calls for a response of repentance and faith. Expect biblical exposition, historical illustrations, practical application, and a clear invitation to respond.   Handout: The Love of God — Neal Pollard    I. WHAT IS THE ________________________ OF GOD?       A. It Is ____________________ (Psalm 136:1)       B. It Is ____________________ (John 3:16)       C. It Is ____________________ (Romans 8:35-39)       D. It Is ____________________ (Psalm 145:8-9)    II. WHAT DOES THE _____________________ OF GOD _________________?       A. It Gives _________________ And ______________ (John 3:16)       B. It Allows Us To Have A Close ________________ With Him (1 John 3:1)       C. It Causes Him To _____________________ (Exodus 34:6-7)       D. It Moves Him To ______________ People In The ______________ Way (Hosea 11:1)       E. It Prompts Him To _____________ Those Who ____________ To Him (1 John 1:9)    III. WHY DOES THE ___________________ OF GOD ______________?       A. Because It Reaches _____________, It Will Reach _____________       B. It Doesn't Stop When We _______________________       C. It _______________ The Kind Of Love We Should Have       D. It _______________ Us Of God's Presence And Provision       E. It _______________ Us From Being _______________ To Being _______________    Conclusion    A. It's Up To Us To __________________ To This Amazing Love    Duration 31:54

32 wrestlers remain.After a chaotic first round, Wrestling Madness continues as the bracket narrows and the debates get even tougher.In this episode of The It Doesn't Matter Podcast, the crew breaks down the Round of 32 matchups featuring some of the biggest names in wrestling history.Legends vs legends.Dream matches.And no easy decisions.Who advances to the Sweet 16?Some of tonight's matchups include:• Undertaker vs Hulk Hogan• Kurt Angle vs Eddie Guerrero• Brock Lesnar vs Roman Reigns• Shawn Michaels vs Andre the Giant• Ric Flair vs Mick Foley

How do you listen to a podcast without your husband knowing? Here’s a step-by-step guide for women who need truth, privacy, and peace. Have you ever thought, “I need help, but I don't want anyone to know I'm looking for it”? If so, this guide is for you. Maybe you've seen videos from Betrayal Trauma Recovery and want to dive deeper, but you're not sure how do you listen to a podcast, or how to do it privately—especially if your husband shares your devices, tracks your history, or even works with you. Don't worry. You're not alone. And you don't need to be tech-savvy to start. By the end of this article, you'll know: What is a podcast? How do you listen to a podcast safely and privately. How to subscribe to a podcast, including the Betrayal Trauma Recovery Podcast The best podcast apps for women in your situation When to listen to ensure you’re stay safe Why this podcast is different (and why it might change your life) Let's get started. What Is a Podcast? At its core, a podcast is like an on-demand radio show you can listen to any time, from anywhere—right on your phone, computer, or smart speaker. The Betrayal Trauma Recovery Podcast is a weekly show made for women who have just discovered her husband’s lies. Each episode is short (usually under 30 minutes), free to listen to, and 100% private. How to Listen to a Podcast (In 3 Simple Steps) You don't need a computer science degree or a secret burner phone. Here's how do you listen to a podcast without your husband knowing: Step 1: Choose a Podcast App If you have a smartphone, you're already halfway there. For iPhone users: Open the Apple Podcasts app (already installed on your phone) OR download Spotify for free from the App Store For Android users: Download Spotify from the Play Store OR download Youtube Music from the Play Store This app is discreet, free, and don't require you to sign in to start listening. Step 2: Search for the Podcast Open your app and search:“Betrayal Trauma Recovery”You'll see our podcast cover (usually with Anne Blythe's name on it). Tap it. Then tap “Follow” (or “Subscribe” depending on the app). Step 3: HOW DO YOU LISTEN TO A PODCAST: Stream or Download Episodes You can stream episodes instantly (if you have Wi-Fi or data)ORTap the download icon (a little arrow pointing down) to save an episode for later. Once you're done listening, you can delete it from the app. No trace. No history. 5 Ways HOW DO YOU Listen to a Podcast Without Your Husband Finding Out Here are a few extra privacy tips for those in sensitive situations: 1. Use Headphones or AirPods Even a single earbud can let you listen during chores, errands, or lunch breaks—without drawing attention. 2. Use Private Browsing Go to btr.org/podcast in an Incognito or Private browser window. That way, nothing gets saved to your search history. 3. HOW DO YOU LISTEN TO A PODCAST: Delete Your Listening History On most podcast apps, you can delete your playback or download history manually. (Quick Google search: “how to delete podcast history [app name]”) 4. Use a Hidden App Folder If you’re concerned about someone checking your apps, tuck Spotify or Apple Podcasts into a discreetly named folder—like “Utilities” or “Weather.” 5. Use Breaks Strategically Take a “walk to the mailbox” or a “cleaning the back room” break and press play. This is emotional self-care. Best Times to Listen To a POdcast (Even If You're Exhausted) You don't need an hour. Or even need total silence. You just need some laundry to fold. Try listening during: Morning routine (shower, makeup, coffee) School drop-off or pickup Folding laundry or doing dishes Grocery shopping (one earbud in your hoodie) Late at night when the house is finally quiet Even 10 minutes can calm your nervous system and help you feel seen. How to Leave a Review (So More Women Find Help) If Betrayal Trauma Recovery has helped you feel less alone, consider leaving a short review. It helps other women—maybe even one sitting in a salon storage closet on her break—find the support she desperately needs. Just open the app, go to the podcast's main page, scroll down, and tap “Write a Review.” The Podcast That Could Save Your Sanity If you're wondering what's really going on in your marriage… Or you've been blamed for your trauma… If you've spent hundreds (or thousands) on therapy that only made things worse… Or your wondering how to recover after infidelity… Start here:

If It's Not on Your Calendar, It Doesn't ExistYou can have the best intentions in the world. But if it's not scheduled, it's not real.This episode flips calendar management on its head and turns your calendar into a tool for life design. Not more productivity hacks. Not recycled time management advice. A real shift in how high achievers use scheduling to create fulfillment, protect their vision, and drive real transformation.If your calendar is packed but your future feels neglected, this conversation will challenge you.In this episode, you'll learn:Why your current calendar may be sabotaging your personal developmentThe difference between reactive scheduling and vision-based life designHow to tie tasks to purpose so follow-through increases naturallyYour calendar isn't a jail cell. It's a blueprint.If you're ready to stop surviving your schedule and start designing your life, this episode is for you.Connect With JosselyneWebsite: beunmessablewith.comInstagram: @beunmessablewithFacebook: UnmessablewithnessLinkedIn: josselyneherman-saccioYouTube: @beunmessablewith

Former WWF writer Tommy Blacha and co-host Rob Pasbani are in Fort Lauderdale, Florida, to recap a night of massive upsets and "soft reboots." The episode is headlined by a shocker as the Brooklyn Brawler pins Triple H in a handicap match after Chris Jericho provides a timely distraction.We break down the scary, legitimate injury sustained by Hardcore Holly during a stiff match with Kurt Angle, where a chaotic moonsault resulted in a broken arm for the "Big Shot." Tommy Blacha provides the backstage scoop on Taz's "doghouse" status with management, the real-life logistics of the XFL launch, and why Vince McMahon reneged on his promise to give Mick Foley six months off. We also discuss the debut of the "Conchierto" and the emergence of Steven Richards as the moral authority of the Right to Censor.Other major discussion points include:- The Rock's Hollywood absence and his world premiere of "It Doesn't Matter" on TRL.- Kurt Angle's hilarious and accidental "milk" assault on the Undertaker's motorcycle.- Val Venis shocking Rikishi to capture the Intercontinental Championship.- Steve Blackman reclaiming his killer instinct (and the Hardcore Title) with a nunchuck assault.- Tommy Blacha shares his original pitch for a "Split Belt" gimmick for the women's division.Don't forget to LIKE, SUBSCRIBE, and hit the notification bell!Follow Tales from the Attitude Era: Email: tftattitudera@gmail.com Instagram/TikTok/X: @TFTattitudeera0:00 - Intro 4:12 - Vince McMahon: The "Madman" at the helm5:32 - THE XFL HYPE12:16 - Bill Clinton and the 2000 political backdrop13:58 - Match 1: Chris Jericho vs. Kurt Angle (Stephanie intervene)18:46 - Kurt Angle sprays milk on Undertaker's bike21:50 - Why Foley returned from retirement early24:16 - Foley and Benoit Promo27:30 - Backstage: Triple H finds Angle's milk disaster28:46 - Match 2: The Dudley Boyz vs. Lo-Down (Chaz & D-Lo Brown)31:32 - Match 3: Dean Malenko vs. Ivory & Jacqueline (Handicap Match)33:20 - THE BELT SPLIT GIMMICK: Tommy's original pitch for the ladies36:06 - Match 4: Rikishi vs. Val Venis (Intercontinental Title Change)38:39 - Match 5: Steve Blackman vs. Big Boss Man (Hardcore Title)39:39 - Match 6: Undertaker & Kane vs. T&A (The Double Big Boot)40:32 - Who has the best Big Boot of all time? (The Bruiser Brody debate)41:52 - Match 7: Triple H vs. Kai En Tai & Brooklyn Brawler43:26 - THE UPSET: Brooklyn Brawler pins Triple H!45:25 - Jericho steals Triple H's limo to South Beach47:12 - Main Event: The Rock, Eddie & Chyna vs. Benoit, Edge & Christian50:38 - Sunday Night Heat: Al Snow vs. Essa Rios53:02 - Outro / Paul Bearer-Lawler impressionsFollow Tales from The Attitude Era on all social mediahttp://youtube.com/@TFTAttitudeEra http://twitter.com/TFTAttitudeErahttp://instagram.com/TFTAttitudeErahttp://tiktok.com/@TFTAttitudeEra Hosted on Acast. See acast.com/privacy for more information.

WCW Uncensored 1995 might be the most chaotic PPV WCW ever produced.This week on The It Doesn't Matter Podcast, the crew dives into one of the strangest pay-per-views in wrestling history — WCW Uncensored 1995.Truck fights. Martial arts matches. Boxer vs wrestler. Strap matches.This show had some of the most bizarre gimmicks WCW ever put on a card.The panel breaks down every match including:

The first round of Wrestling Madness has arrived.64 wrestlers from across wrestling history entered the tournament… but only 32 will survive.In this episode of The It Doesn't Matter Podcast, the crew debates the entire Round of 64 bracket featuring legends, icons, and modern superstars.Dream matches.Wild debates.And some shocking eliminations.Which wrestlers advance to the Round of 32?Watch the full debate and let us know your picks in the comments.

I recently had a long conversation with a very successful professional. He's 58 years old. Highly educated. Respected in his field. Financially sophisticated — in fact, his job depends on understanding money. If you looked at his résumé, you would assume he was completely set for life. He wasn't. A couple of bad investments. Some concentration risk. A few decisions that looked reasonable at the time. And suddenly he's essentially back at ground zero — trying to start a new business at 58. This story is far more common than people realize. The Dangerous Assumption is that many successful professionals assume they'll be fine. Doctors. Lawyers. Executives. Entrepreneurs. They make high incomes. They understand finance. They know about markets and interest rates and diversification. They focus on their career. They focus on income. They even focus on investing. What they don't focus on is their own financial future with the same intensity they focus on their profession. There's a difference. Being financially literate is not the same thing as being financially intentional. Especially when you assume you always have more time. The Good News at 58 is that he still has time. A lot of time. For entrepreneurs especially, it doesn't take 25 years to rebuild. It can take five. There's a quote often attributed to Bill Gates: “Most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five.” That quote is brutally accurate. In one year, starting a business feels overwhelming. Progress feels slow. Revenue is inconsistent. Doubt creeps in. But five years? Five years of focused effort, smart strategy, capital discipline, and experience compounded? That can change your entire financial trajectory. I've Seen This Movie Before. I have a very good friend who was worth over $40 million in his early 30s during the real estate boom. Then 2008 happened. The real estate debacle didn't just dent him — it wiped him out. For years, he struggled. Pride gone. Lifestyle reset. Just trying to survive. Most people would have mentally retired at that point. They would have blamed the market, blamed the system, blamed bad luck. But about six or seven years ago, he found his rhythm again. New strategy. New focus. New discipline. Today, he's worth over $60 million. I get that's not normal. But it proves something important. It Doesn't Take a Lifetime. The examples I just gave are extreme. Most people don't lose $40 million. Most people aren't rebuilding at 58. But the principle is universal: It doesn't take a lifetime to secure your future. It takes a focused season. A defined period where you are intensely clear about your objective. A stretch where: • You work harder than you're comfortable with • You manage risk better than you used to • You stop assuming income equals security • You align your decisions with a specific financial target for the future There's another quote I love: “The harder you work, the luckier you get.” Luck isn't random. It compounds around preparation, visibility, and persistence. When you are laser-focused on a financial goal, you start seeing opportunities others miss. You make better introductions. You ask sharper questions. You move faster when something makes sense. And over time, it looks like “luck.” The story of the 58-year-old professional isn't a warning about markets. It's a warning about complacency. Success in your profession does not automatically translate into security in your future. Income is not wealth. Financial literacy is not financial strategy. And intelligence does not eliminate risk. But here's the good news. If you're in your 40s or 50s and feel behind — you're not done. If you made a bad investment — you're not finished. If you took a hit — that's not your final chapter. You may just be at the beginning of your five-year season. The key is focus. Direct yourself to a destination you can visualize. That's the only way you will get there. Because in the end, securing your future rarely requires a lifetime of perfection. It requires a concentrated period of intensity. And the sooner you decide to enter that season — the sooner your next five years will start compounding in your favor. There is no one who knows this reality more than this week's guest on Wealth Formula, Rod Khleif . Watch on YouTube: https://www.youtube.com/watch?v=qogQNGbK9wk Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/549-youre-successful-until-youre-not-with-rod-khleif/id718416620?i=1000753860685 Listen on Spotify: https://open.spotify.com/episode/7mTzyRJxjnkeiVFGCXfOni Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  welcome everybody. This is Buck Joffrey with Dwell Formula Podcast. Coming to you from Montecito, California, I wanna remind you that there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna. Become, uh, more, uh, involved with this community, including our accredited investor club, AKA investor club, uh, very easy to join. It’s free. All you do is you get onboarded and you see lots of, uh, potential deal flow that you wouldn’t otherwise see again, that is wealthformula.com. Simply click on investor club and get onboarded. Now, as for today’s show, I had a, uh, a long conversation with a very successful professional, recently 58, highly educated, respected, financially sophisticated, in fact, in the money business. Uh, and if you look at his resume, you would assume he was completely set for life, but he wasn’t. A couple of bad investments, some concentration risk. A few decisions that looked reasonable at the time, and suddenly he’s back pretty much to ground zero trying to figure out what to do, and he’s thinking about starting a new business or maybe buying a business. Well, that got me thinking because the reality is this story is far more common than people realize, and I actually hear it fair amount. Right? Many successful professionals assume they’re gonna be fine. Doctors, lawyers, executives, entrepreneurs, making high incomes. Maybe they understand finance, they know about markets, interest rates and diversification in theory. But here’s the trap. You focus on your career. You focus on income. What they don’t focus on is their own financial future with the same intensity. They focus on the profession, and that’s. The difference, right? The issue is that being financially literate is not the same thing as being financially intentional. Now, I actually hate that word because it’s a very, uh, uh, neo agey word intentional. But in this case, I will use it because that it’s very, it’s very appropriate. But here’s the good news, even at 58, right, you still have time. You have a lot of time for, especially for entrepreneurs, it doesn’t take 25 years to rebuild. It can take five. And there’s this quote, um, it’s often attributed to Bill Gates, who, who’s been in the news lately for a lot of other stuff, but this is a good quote. He says, most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five. And that quote is so true. I will, it’s incredibly powerful and it’s very, very useful to think about and. Put in the back of your mind because in a year, like you’re saying, you’re starting a business, it’s gonna feel overwhelming. You may lose money, you know, slow progress, revenue, inconsistent five years, you know, with focused effort and you know, good strategy and discipline. The financial trajectory of your life could completely change over that five years. In fact, I will say that with my first business that I ever started, that is absolutely what happened. I was just pretty much outta residency, didn’t have any money, and within five years I was rocking and rolling. You know, it was a, it was, you know, it wasn’t worth, you know, hundreds of millions of dollars. But I, I, I was, I was doing way better. If you look over five years, it’s an incredible trajectory. And it’s not just me. I mean, there’s guys who’ve done it more extreme ways. I talk about this friend, a lot of times he was worth like 30 or $40 million in his early thirties, and then 2008 happened. It didn’t just kinda dent him, it wiped him out, and for years he struggled. Lifestyle kind of reset a little bit, just trying to survive. You know, there’s this saying in business that the key to su success in business is to stick around long enough until you get lucky again. Well, sometimes that’s true. And a lot of people might have, uh, kind of mentally retired at that point. But the reality is he stuck with it. He rebuilt about six or seven years. He was kind of sideways, then another six or seven years, new focus, new discipline, and today worth 60 million bucks. Now, that’s not normal, right? But it does provide, uh, it does, it does kind of provide an important point. It doesn’t take a lifetime always. Now most people don’t lose $40 million, and most people aren’t rebuilding necessarily from zero at 58, but the principle really is universal. It doesn’t take a lifetime to secure your future. It takes a focus season to find period where you’re intensely clear about your objective. It’s a stretch where you work harder than you’re comfortable with, and maybe it’s not fun to do that in your fifties or sixties. You manage risk better than you used to. You stop assuming income equals security. You align your decisions with a specific financial target. You know what, there’s a another line I love, another quote, and I don’t know where this one comes. I, I, I think it was some hockey coach of mine way back. It’s that the harder you work, the luckier you get. The thing is that luck isn’t random, right? It compounds. Around preparation and visibility and persistence. And when you’re laser focused on a financial goal, you’re gonna start seeing opportunities that are out there that others might miss. You’re gonna make, you know, better introductions, ask sharp questions. You move faster when something makes sense, and over time it starts to look like luck. I think the real lesson, um, about the situation that people get into, like this person I was talking about is. That it, it’s not a warning about markets per se, although markets have a lot to do with it. It’s a warning about complacency. You know, success in your profession does not automatically translate into security in your future. You know, income as you know, is not really wealth and financial literacy is not financial strategy. Although literacy is really, really important. You gotta have a strategy. And you can be really, really smart and not eliminate, you know, or mitigate risk enough. So if you’re in your forties or fifties and feel behind, you’re not done. Okay? You made a bad investment, you’re not finished. If you took a hit, I’ve taken plenty of heads, especially the last few years. It’s not your final chapter. You may just be looking at the beginning of your next five year season. And the key is focus clear goals, define targets, discipline, action. The sooner you decide to enter that season, the sooner your next five years will start compounding in your favor. Man, I gotta tell you, this is a, an ongoing story I hear a lot about, so again, think about that Bill Gates quote, you, you know, people tend to way overestimate what they can do in a year. Grossly underestimate what they could do in five. Anyway. There’s no one who knows this better than my guest on this week’s Wealth Formula podcast. Rod Cleef. Many of you already know him. We’ll have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account as your money accumulates. You borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investment. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast is Rod Thief. He’s a real estate investor, author, and mentor with decades of experience in multifamily investing. Uh, he’s built and sold hundreds of millions, uh, in, in apartment assets and teaches thousands of investors through coaching masterclasses and his life. Uh, lifetime Cash Flow Academy. Uh, rod, how you doing? Good, brother. Good to see you, my friend. Let’s review, but you know a little bit about you, your background. Sure. You know, uh, sure. We have an interesting story. Okay, well I’m a Dutch immigrant, you know, think wooden shoes and windmills. I immigrated to this country, uh, when I was six years old with my brother Albert, my mother’s cia. Um, and we ended up in Denver, Colorado. Uh, struggled initially. Really struggled actually. And, and I remember, uh, wearing hand me down clothes all the way through junior high school until I finally lied about my age when I was 14 ’cause I was tall and said I was 15 so I could flip burgers at Burger King. You know, and I’m sure you’ve got listeners that had it harder than I did, but I knew I wanted more. And luckily my mom had an incredible work ethic and so she babysat kids so we’d have enough money to eat. And with her babysitting money, she was an entrepreneur and invested in real estate. Um, and her first real estate acquisition was the house right across the street from us. When I was 14, she paid about $30,000. And then when I was 17, she told me she’d made $20,000 in her sleep. It had gone up in value. And I’m like, what? Forget college. I’m getting into real estate. So I. Went and got my real estate broker’s license right when I turned 18, which you could do back then with education. Now they got, they got smart you, they need some, you need some experience. But, uh, I was a broker. I was smart enough to go work for a broker. But, um, you know, my first year in real estate I made about eight grand. My second year, maybe 10 grand, but my third year I made over a hundred thousand dollars, which back in 1980 was some pretty decent money. And so what happened between year two and year three? Uh, the 10 x my income was what? What happens? I met a, a guy, he was a broker. I was working for actually, it taught me about the importance of mindset and psychology and how really 80 to 90% of your success in anything is just that your mindset and psychology. So fast forward to today, I’ve, I’ve owned over 2000 houses that I’ve rented long term. I own thousands of apartments now, and I’m also buying senior housing now, which I’m excited about. And you know, in 2006, my net worth went up $17 million while I slept. And you might say, wow. I said, wow, I got a head so big I could barely fit it through a door. And I thought I was a real estate God. And you know, when that happens, God of the universe will give you a nice little SmackDown. Well, that was 2008. I conservatively lost $50 million in 2008 and nine. What I’m known for talking about on my podcast, which I’m blessed to say at this point’s, the largest, uh, commercial real estate podcast really in the world at this point is, and, and the reason being is I spend time talking about mindset. You know, people don’t remember what you said, but they remember how you make him feel. And I do little clips every week called Own Your Power, their motivational clips. And, and I think that’s the reason it’s been so well received. But, uh, you know, I’m known for talking about the. Mindset it took to have 50 million to lose in the first place. And you know, maybe more importantly, the mindset it took to recover from losing it. But, uh, you know, I’d love to, we can chat about that if you like, or I’d love to talk about the state. Yeah. Whatever you It’s a, it’s, I think it’s appropriate to talk about that right now, rod. I mean, I think Okay. You know, in this, in this market with what we had, you know, um, you know, there’s been a, there’s been a lot of pain in multifamily and Yeah. You know, it’s, you know, you and I have talked about this before where. Part of success is, is trying to recognize particular situations. Um, you know, you talk about Warren Buffet and how Warren Buffet says be greedy, when others are fearful and all that, that’s great, but it’s really hard to do. Right? And so help us understand like, sure. You know, uh, how, how do you, how do you do that? Sure. How did you go and how bad did it get? Well, I lost 50 million. I lost $50 million, so it got pretty freaking bad. Okay. I call ’em seminars. That was an expensive seminar. Yeah. Yeah. And very little, uh, so it was, it was ugly. It was ugly, but. It was, it’s, I, I’ll be, I’ll be candid. The strategies I’ll share very briefly here, the strategies, I’ll share the same strategies you would use to get started. Okay. You know, if, if you know you need to do something, and we talked about this, uh, uh, before we started recording, you know, the. With ai, a lot of jobs are going away. You know, if you heard of Elon Musk on, on Joe Rogan’s last epi episode, or the last interview he did with Joe Rogan, you know, he said any job in front of a computer is pretty much gonna be gone like lightning, like a year or two. I mean that fast. It’s crazy. And so, you know, and even, you know, surgeons are, are, are, are gonna be replaced by robotics and, and on and on and you know, and I think there’s gonna be it professionals, uh, you know, there’s gonna be a lot of. Pain for the people that don’t proactively, you know, reinvent themselves, start thinking about what they’re gonna do to reinvent themselves. Maybe it’s an ai, maybe you’ll learn ai, but, but you better think about it now or if you’re in one of these positions. So when the shoe drops, you’re ready because. Uh, there’s a lot of opportunity. I mean, there’s 10,000 people a day turning 65 in this country. You could buy businesses, um, you know, uh, I’m in, I’m, I’m excited about senior housing. They need beds, you know, and, and there’s a huge shortage of beds, but, so there’s a lot of opportunity, but you better pick something if you’re in one of these fields and get busy starting to study it and learn it, and do it on the side so that when the shoe drops, you’re ready. That’s, I don’t wanna scare you, but I just wanna open your eyes. To that fact. But so how, how I recovered from losing $50 million again, is the same strategy I would tell you to use to get started. And it’s first thing, it starts with goals. You gotta figure out what it is you want. ’cause how do you get anything if you don’t know what it is? Because with the goals you create a burning desire or a hunger and you’ve gotta have that to push through fear and limiting beliefs and so on and so forth. And, um. You know, I, I, that’s, if you come to one of my bootcamps, I do a virtual bootcamp every couple of months. It’s two days. I don’t sell anything there. And I’ll tell you later how you can come for 47 bucks. So it’s no excuse. But, but the first thing we do is goal setting on steroids, uh, because you’ve got, again, you’ve gotta create that hunger. Now, I’ll, I’ll say this to you, if you have no interest in, in, uh, learning what I teach. At my link tree, I did my goal setting workshop. It’s an hour. There’s a guide you can download if you go to rodslinks.com or text the word links if you’re driving, uh, to 7, 2, 3, 4, 5 at the bottom. My, is my goal setting workshop. And you know, here’s the thing, buck, people spend more time planning a freaking birthday party than they do designing their lives. Doing your goals is designing your life. So you know, if, if, uh, if you haven’t done ’em in a while, go to Rods, links, go at the bottom. There’s my workshop, there’s a guide. You can download ’em. Not gonna try to sell you anything. Spend an hour with me. Have your spouse do it. Have your kids do it if they’re over 10 years old, and design their lives. So again, it starts with goals. So that’s the first thing I did was reassociate with my goals. Then the second piece is you gotta make a decision. And I don’t mean dip your toe in the water. I don’t mean one foot in, one foot out. I mean, you decide it’s done. Okay. The Latin root for the word decision means to cut off. If you’re gonna attack the island, you burn your ships ’cause you’re taking their ships home. That’s a decision. And, and that’s what I did. I said, okay, enough, quit feeling sorry for yourself. Pick yourself up and go make something happen. And that’s, that’s what I did back then when I lost everything. But it’s the same thing again. If you’re, if you’re in a job and you’re. You’re just not where you want to be. So we make that decision and then you gotta take the first step, uh, you know, buck. And that’s, that’s pretty much it. You know, Dr. Martin Luther King said, you take that first step in faith, the next step will be revealed. And you know, LA Sue said the journey of a thousand miles begins with a single step. But, you know, in our business and, and, and the investors that we deal with and, and the, you know. Uh, active investors and, and, and passive both, as many of ’em are very analytical and you know who you are. If that’s you and I love you, you’re some of the most successful students that I have and successful people in our businesses. However, I also know how you have to check off every single box before you make a move, and you can’t do that here. Okay? You’ve got to, you’ve got to recognize that you’ve gotta have enough faith. To get started, you know, you can go all the way across the United States at night with your headlight only seeing 50 feet in front of you. And, you know, you can make it, you know, other people have done it before you, you know, there’s a, there’s a, there’s a, a road. And, uh, it’s the same way. You may have some obstacles, but, uh, it’s the same way with this business or really any business. But you, you, you’ve got to take that first step. And, you know, a, a lot of people fear failure, and I’m gonna tell you, don’t fear failure. Fear being in the same place you are right now, a year or two from now, unless you absolutely freak. Love where you are right now. Fear, fear, regret. That’s what I would fear if I were you. I, I, there was this nurse in Australia, a hospice nurse, uh, and her name was Bronny Ware. She asked patients when, who were about to die, if they had any regrets, and she wrote a book about it as a national bestseller. Something like The Five Regrets of Dying. You know what the number on regret was? It was Living the, not Living the Life I could have lived living someone else’s life, not doing what I know. I’m capable of fear that don’t fear failure, you know? Well, the next piece is fear and limiting beliefs. So fear, you know, every successful person have has fear. Now we, we, we, entrepreneurs call it stress, but it’s fear. And, you know, action mitigates fear. You wanna mitigate fear, take action. Go do something. If I’m, if I’m laying in bed at night, it’s three in the clock in the freaking morning and something stresses me out again, stress is fear. That’s what we achievers call stress. Uh, it’s fear. Uh, and, and, um. If something wakes me up and I’m stressed about it, I literally will get outta bed and just go write down some notes. I used to have a pen with an electrical pen that drove my ex-wife crazy and I’d, I’d write notes sometimes fill up pages of notes in bed so that I’m taking some action so I can go back to sleep. So there’s a, there’s a very simple example of it, but anytime that I am fearful about something, I take massive action towards it. Just, just taking steps, doing things. That will mitigate it. And it’s just how it works. So, I mean, it’s, it’s, it’s as simple as that buck. I mean, you just have to do some things. Towards that fear now. Now, the other thing is, if you don’t take action, the fear expands. So that’s the, uh, uh, that’s the antithesis there. So, so you, you need to take action because that’ll, that’ll mitigate it. The, the next piece really is limiting beliefs. You know, when I immigrated this country, I didn’t speak English. I got thrown into school, found out what bullies were for the first time. So I got my butt kicked occasionally, hadn’t learned how to fight back, and then my mom, this is the prop, sent me to school in these wooden shoes. And these are the actual wooden shoes. We found them. When we put her in senior house, senior living in, and these leather shorts, the Germans wear for October Fest, I had to wear that to school. And of course that was crack cocaine for the fricking bully. So I got my ass kicked again. And don’t wooden shoes, rod Or, or those, yeah. Yeah. Wooden shoes. Wooden shoes. Yeah. These are from Holland, man. That’s where I was born. Yeah. My mom. Proud Dutch woman. Yeah. This is, they’re wood. They’re real wood. The farmers still wear these things, uh, ’cause they’re good to go through mud, but they’re crack cocaine for bullies. Okay? And so, yeah, you know, uh, I, I, I got my butt kicked again and, and I came up with this belief system that I wasn’t good enough. I used to ask myself, how can I show them I’m good enough? And a lot of people have these limiting belief systems. I’m not good enough. I’m not courageous enough. I’m not strong enough. I’m not old enough. I’m not young enough. Here’s the thing to remember. There’s a reason the acronym for Belief Systems is BS because 99% of them are bs, but we believe they’re real. I mean, I used to be afraid to raise my hand in front of 10 kids in a classroom, and because of fear of rejection, now I speak in front of thousands of people a year, usually in flip-flops. Okay, so you know, you can mitigate this. So if you’re aware of one of these. Limiting beliefs, BS belief systems, drag it out into the daylight. Look at it with your adult rational mind. You’ll recognize that it’s BS and it will dissipate. But you gotta, you gotta think about it consciously and it’ll, it’ll go away. Um, the, the next piece is focus. Um, you know, focus really is power and whatever we focus on gets bigger, both positive or negative. Okay? So it’s very important that you focus on what you want, not what you don’t want. I’ll get, people call me and say, how do I get outta my student loan debt? I’m like, wrong question. How do you make so much money? The debt’s irrelevant, is the question you need to be asking. They asked Mother Theresa if she was anti-war. She said, no, I’m pro peace. I mean, you get it, right? And, and so, and in fact, I’ll give you another example. So I, I, my podcast is over, I believe, over 30 million downloads, which doesn’t sound like a lot in our social media world, but in, in the podcasting space, it’s not bad. But I listened to two podcasts, Joe Rogan and Tim Ferris. I try to get both sides of the aisle. I’m definitely on, on one side. Uh, but, but, um. They get, and the reason I bring that up is they get about 30 million a week, you know, but that big podcast. But, but, um, on, on Tim Ferriss’ show, he interviews the best of the best in the world. You know, the best athletes like Michael Phelps, NFL players and NFL players, NBA players, actors like Hugh Jackman, ed Norton, Jamie Fox, Arnold billionaires like Ray Dalio, heads of the biggest companies on the planet like Zuckerberg. And he deconstructs their success. It’s very intelligent conversation. I mean, I, I love listening to it. I started to hear a pattern, uh, they almost all meditate. What does meditation enhance? Focus, right? So focus is a really important piece of, of, of success. And just a couple more. One is playing, the next one is playing to your strengths. You know, when, when you, when you go to reinvent yourself or if you’re struggling, you know, or, or gonna start something. Play to your strengths and hire a align or partner for your weaknesses. Like in our world, you know, there’s lots of different hats you can wear. It’s a team sport. You could be the person that finds the deals and analyzes them. If you’re analytical, you could be the mouthpiece like me or you, and you’re, you know, raising money, talking to brokers and, and getting the word out. You could be the. You know, the um, asset manager, if you’ve got some project management experience, construction experience, there’s lots of different hats you can wear, but you wanna play to your strengths. Your strengths are your greatest assets. Don’t try to maximize your fears. You’re gonna get much further. Like I said, if you hire aligner partner for your weaknesses, you know, some of the most successful. Um, partnerships I see in the business are an analytical, introverted person with an extroverted, outgoing person. I mean, that’s a match made in heaven in our business. ’cause our business is primarily empirical. You ask the right questions, uh, and, and you get the numbers right. You know, it’s kind of hard to make a big mistake. Um, and so. You know, just make sure you’re playing to your strengths and when you’re playing to your strengths, you’re gonna have passion and passion’s required to influence people. Right? ’cause you love what you do, so you’re passionate about it. So again, real heavy duty argument to play to your strengths. Yeah, I think the last piece, the last piece is, is peer group. Um, you know, who you hang out with is who you become. You’ve heard it, you’ve heard it before. So if you’re gonna get into something, get around people that are doing it. Like my Warrior Coaching program, I’m, I’m gonna brag. I, I, like I said, they own 300,000 multifamily units that we know of. I’m, I, it’s, we’re counting, uh, we know it’s close to 300,000. We’re at like 275,000 or something. I know there’s a lot we’re missing. And, you know, tons of senior housing, tons of self storage, tons of industrial flex space, um, retail mixed use, you name it. Uh, mobile home parks, and. Almost all of those deals were done between warriors, between my students. So you know, ha, who you hang out with is who you become. You know, if you show me your three best friends, I’ll show you who you are in your relationships, your happiness, your health, and definitely your finances. But see, so many people default to a peer group they went to school with or they work with, and those people with their own fears or limiting beliefs might hold you back, you know, afraid of losing you, afraid of feeling less than if you succeed. And sometimes it’s family. I’m gonna tell you, love your family, but proactively choose your peers. Right? You know, and when I was losing everything in 2008 and oh nine, I was in Tony Robbins Platinum Partnership and there were people there that were killing it in that crash, uh, you know, thriving. And they’re like, get up, you puss. 50 million Schmill. Go make something happen. That’s who you wanna be around, not only while you’re building, but certainly when the proverbial stuff hits the fan, right? Uh, so anyway. I, that those are, those are some of the big pieces. Yeah. Well, that, I mean, that’s, let, let’s talk a little bit about the, the business that you’re in. Um, you know, you’re, you’re heavily involved with real estate. Obviously these, uh, mindset things are a great place to start. Now you go out there, let’s talk about where the market actually is and what you’re seeing in this market right now. Does your represent opportunity to you? There’s a ton of opportunity because there’s a ton of people in trouble, sadly. Right. Okay. A lot, a lot of people got adjustable bridge debt. You know, these rates have gone through the moon. I’ll give you a small example. We were looking at a small asset in San Antonio where I’ve got some assets and I. And there, the lender reserve payment that this guy had to pay to prepare for a refinance went from 8,000 a month to 80,000 a month. Do you think that’s painful? Right. And you know, and, and when you’ve got a multi tens of millions of dollar loan on a property and the interest rates adjust several points, you’re done. And, and so that’s just on the interest rate piece. Uh, mentioning my SEC attorney had six foreclosures in one day, apartment complexes, uh, clients, new clients that came to him, he told me like three weeks ago. So who knows how many since then. But you know, there’s a lot of deals and trouble and it’s sad. It’s very sad. But, uh, that’s just one piece is the loans. Uh, the expenses have gone through the thick and roof. I mean, I’ve got maintenance supervisor that’s making $40 an hour at this point, which is crazy. Uh, you know, I, I teach at my bootcamps. Uh, I used to teach a 50% expense ratio. That’s what you want to have. Now I teach 60% ’cause they’ve gone up that much. And so, you know, there’s a lot of pain in the market. But with crisis comes opportunity. There’s incredible deals. I’ve got a a, a 200 unit asset in San Antonio. Um. That is on a lake, and right next door is a 300 unit, 300 plus unit asset. Um, it’s sold the 300 units sold for 43 million in 21 or 22. It’s, it’s with the bank, it’s down to 28 million now. And I’m not even interested unless it gets to 24, unless the rates drop significantly. And so 43 to 24. So that’s what’s out there right now. And di I think you just bought a, a deal at like a 40% discount, didn’t you? Yeah. Yeah. Yeah. And here’s the thing, which is what I wanted to get into as well, and I I just bring, bring people’s attention to it, is that these times in history don’t happen that frequently. Right? Right. And it, and it’s interesting what the, the last multiple, uh, opportunities we’ve, we’ve, we’ve capitalized on, they have been all these situations where it’s a debt problem, right? It’s, it’s an asset that’s performing fine. But someone’s got a month, uh, to go and they just need to get out. They’re gonna lose all their equity, their debts due. Um, yeah, their debts do, there’s like this, this wall of debt, like, I think it’s like a trillion dollars of debt due by the end of this year. So what we’re seeing is, you know, the last several opportunities, 30 to 40% discounts on basis, uh, compared to just two or three years ago. And I think the challenges for investors is that like. In the background, those of us who’ve been through the pain are still feeling the pain and you feel very gun shy about it, right? Yeah. Yeah. Um, and you also start thinking, well, 30 to 40% discounts. Uh, you know, this, this is, this sounds very scary, but in, in reality, I, I’m trying to get people to understand that, that those discounts only last for so long, right? I mean, that if you look at like the, the debt. That’s out there. Most of that really bad debt washes away at the end of this year. At 2026. Yeah. After that, like those 30 to 40% discounts that like people are hearing so often, they’re not gonna be there anymore. No, that’s, and what I, and what I hate to see is people wait two or three years from now and all of a sudden there’s a frothy market and everybody’s jumping on the bwa. ’cause that’s what they always do. That’s not, you wanna be a net seller in that market. That’s right. And, and you know, it’s like you mentioned Warren Buffet’s famous quote, be greedy when others are fearful and fearful when they’re greedy. And, and so right now they’re fearful, which is making harder to raise money. And I’m, I’m having the same conversations. It’s like, Hey, if there was ever a time, it’s right now and now. Now the key, now the key. Differentiator or key factor is it’s all about cash flow. You know, like I said, that that deal at 43 is down to 28. 28 still doesn’t make sense for me. So it’s all about cash flow. And so, you know, I wrote a bestselling book. I’ll brag about, hang on, I’ll show it here. It’s called How to Create Lifetime Cash Flow through Multifamily Properties. The reason I bring this up is the subtitle is The New Rules of Real Estate Investing IE The new rules is it’s all about cash flow. I don’t, you know, I can brag about what you, you know, the discounts you can buy a property for, but it, it’s all about the numbers. It’s got a pencil, it, so cash flow is king. Um, so would you agree with that? Oh, a hundred percent. No. The interesting thing is though, that like, that’s a, that’s actually in real estate. That’s a principle I think a lot of people had, and I think what ends up happening is when the market gets frothy, you kind of skip that step, right? Because then what you’re, then what happens is that the market becomes so competitive that you’re trying to project, okay, I can get this from here to here and I can make it cash flow pretty quickly. And that’s when it gets dangerous, right? Yeah, yeah. Because listen, when Mark, when, when, when rates were, were as low as they were, you could do that. Now what? As soon as they started accelerating, well then you just got behind and, and you, you couldn’t catch up. And that’s kind of what happened. No, that’s it. And the expenses. Yeah. Yeah. They, the business about this market though, and maybe you can get some perspective on this, is what happens. You’ve experienced multiple real estate cycles and one of the opportunities that real estate investors have had throughout the decades is investing in a market where interest rates start to fall. What happens? Well, what happens is, is, is, is, is values As values go up, you know, and here’s the other thing, you know, uh, uh, with inflation, inflation’s not going away. And when you buy a property, the debt’s locked unless you do the adjustable rate thing. But if, if you get a normal, a normal mortgage. The, the rent, the debt is locked, but your, your interest, your rents are gonna continue to climb here. They’re going up, they’re gonna keep going up. And, you know, and, and of course the value of, of what we do is based on a multiple of the net income, the NOI, the net operating income. So any increase of the rents is gonna go to the bottom line. And, and so your values are gonna go up. So again, incredible opportunity to get into this real estate now. With the debasement of the US currency, with with, with all the money they’re printing and everything else, you’re, you’re seeing incredible rises in, in hard assets like gold, silver, of course, we saw a crash in Bitcoin ’cause it’s ethereal, it’s air, but, but real estate, uh, is, is you look at it over, over, you know, 50 years and, and it only goes one direction. It has some dips, but it continues to go one direction. And, and so, you know, I, I love real estate. I always have and. And, and always will. And so, you know, that’s why I teach it, you know, I do, I teach multi and I now teach multiple asset classes. I just taught multifamily for a long time, but now I teach pretty much every asset class and I’m, yeah. So what’s, uh, housing too? Yeah. Tell us a little bit about senior housing and um, yeah, what you’re doing there. I, I, I’ve only purchased one assisted living facility so far, but my students, my God, I can’t even count how many assisted living facilities and memory care units they have. But I, I’m, I’m gearing up. I have a whole team doing it. Uh, we’re cold calling and, and, and the, the, the out, the goal is. Is, uh, uh, 12 units in the next 18, I’m sorry, 12 separate facilities in the next 18 months. And we’re growing up to do that. Uh, we’ve got a ton of interest. And here’s the, here’s the reason why they call it the silver tsunami. There’s, there’s six, 10,000 people a day turning 65, and it goes forever. And it seems like forever. I mean like literally a over a decade and. And again, um, you know, those people. Uh, so there’s a lot of opportunity with that. There’s an opportunity to buy businesses as well. A lot of ’em wanna retire and own businesses, so there’s an opportunity there. But, but, um, in senior housing, there’s, there’s a huge shortage of beds. And, and I’m quite candidly, I’m not sure we’re gonna be able to match the need in the shortage of beds, but there’s a huge shortage of beds and, and so, um, you know, and to build new. The about the least you can build a place for is $200,000 a bed. Well, there are facilities that got crushed by COVID where you can buy. Facilities for sub a hundred dollars a bed. So there’s, there’s a, there’s an opportunity there that we’re capitalizing on. It’s very exciting. Uh, that won’t be around there a lot of, is there a lot of competition from, you know, big money institutions, that kind of thing in this space that are sort of pushing prices up? Because I would think if they would have to, yeah. Yeah. I would think they would have the same sort of thesis overall. So the larger facilities, yes. The, you know, I, I’m not doing the, the 200 bed facilities, you know, I’m in the 50 to a hundred range, you know, uh, kind of the mom and pop range as it were. Uh, and. So, at least to start, I mean, at some point I’ll compete with the larger ones, but we’re starting there and, and there’s just an incredible opportunity to, to get to, and the returns are fantastic. I mean, we’re seeing 15% cash on cash, 25% IRR, realistically not BS returns. And so, you know, it’s very exciting, honestly. And, and, and, and, and again, it’s got legs. It’s not going anywhere. It’s not like one of these things that’s cyclical. There’s, there’s the, these people are retiring. They’ve impacted everything from Pampers diapers to suburbia, and they’re gonna impact, you know, senior housing in a big way. So, um, you know, it’s, it’s that, that’s exciting. Yeah. I got crushed by that wave in 2008. I got crushed by that wave. I’m surfing this wave. Yeah, yeah. Yeah. Good for you. So tell us, you know, a little bit more about how people can get involved. It sounds like you got a lot going on there. So tell us about Well, I, I, I teach, you know, I teach this stuff. I have, I’ve had, I dunno, upwards of 20,000 people attend my bootcamps by the way. Really never had a complaint except that the breaks are too short. ’cause I, I packed three days into two days, but I teach this business and soup to nuts, how to find deals, how to pick a market, how to pick a team, how to underwrite them, how to finance them, how to raise all the money for them, on and on. And so if you go to Rods. links.com. That’s my link tree. That’s where my goal setting workshop is. If you want to do your goals, do it there. But, uh, if you come to my bootcamp, that’s the first thing we do. Uh, ’cause I, I need to have you get very focused on what you want. But, um, you know, it’s two days of training. I don’t sell anything and you can come for $47. So tell me your excuse. Okay? And the bonus, the bonuses are thousands of dollars. You get my deal evaluator software, my document library. You get all this stuff. And you know, and candidly, if you come to the bootcamp and. On Monday, you decide it wasn’t worth it, you didn’t love it. I don’t mean like it, I mean, love it. I’ll give you your 47 bucks back. It’s never happened, but it’s first time for everything. So, yeah, no, I, I, I love what I do. It comes out and what I do, and I, I spend time on mindset too, because again, that’s 80 to 90% of it. That’s why my students are so freaking successful. They actually do it. Um, and so. I, I, I really love it, and that’s where I’ll continue to do it. So I’m, I’m doing one of these virtual events pretty much every month and a half. I’ve got one coming up, I don’t know when this’ll air. I’ve got one coming up in March, March 7th and eighth, and there’ll be one, you know, 60, 45, 60 days after that. So, yeah. Fantastic. Rod, thanks so much for being on the show today. Oh, I appreciate it. I appreciate it. Uh, thank you. And, and again, it’s Rod’s links or text links to 7 2 3 4 5. Matt, thanks. Thanks for having me on. Buck, it’s great to see you again. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s. Called Wealth Accelerator and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. We talked about a lot of things, but I think the mindset step is really important. So if you’re one of those people. Who is worried about, you know, a time in your life right now, or that that things aren’t going well? Things can turn around really quickly. You just gotta have some, you know, you gotta have the right mindset. You gotta have the right goals. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey sign now. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

What if the thing you think matters most to God isn't what He's focused on at all? Continuing this month's anniversary theme, Still Building, Pastor Alvin dives deeper into Luke 15 and unpacks the story of the prodigal son in a message titled “It Doesn't Matter.” At the center of this message are three powerful words: repentance, reunion, and restoration. Through Jesus, the debt of our sin has already been paid, and God's desire is not to condemn us, but to welcome us home. No matter how far you think you've gone, you haven't out-sinned the mercy of God. His grace is greater than our mistakes, and His arms are always open to welcome us back. Scripture references: Luke 15:21-32 Hebrews 8:12 Romans 5:20 ABOUT US At Nashville Life Church, our vision is dedicated to following Jesus & building leaders. We are here to point every person to Jesus Christ. CONNECT Ready to connect? Click this link so we can stay in touch and get you connected here at Nashville Life: http://www.chrch.es/ap9bd GIVE To support this ministry & help us continue to reach people all around the world: http://www.chrch.es/3a843 PRAYER REQUESTS If you have a prayer request or need, we'd love to pray with you. Click this link to let us know how we can pray with you: https://bit.ly/3fVDSDh

The bracket is officially set.Welcome to the Wrestling Madness Selection Show presented by The It Doesn't Matter Podcast.64 wrestlers.4 eras.1 champion.Tonight we reveal the full tournament bracket featuring legends and icons from across wrestling history.The eras include:• 3:16 Era• Great One Era• HBK Era• Deadman EraNext episode the debates begin as we decide who advances in the first round.Who wins Wrestling Madness?Drop your predictions in the comments.Chapters00:00 Introduction to the Greatest Wrestler Debate02:55 March Madness Wrestling Bracket Overview05:44 Matchups of the 3:16 Era08:22 The Great One Era Matchups11:00 Heartbreak Kid Era Matchups13:40 Discussion on Match Outcomes and Predictions14:58 Match Highlights and Reactions17:12 The Dead Man Era Begins22:04 Analyzing Toughest Brackets25:56 Potential Upsets and Dark Horses

Tonight on The It Doesn't Matter Podcast, we break down the legendary career of Booker T.From dominating WCW as one half of Harlem Heat with Stevie Ray, to becoming a five-time WCW Champion, to his unforgettable run as King Booker in WWE, Booker T built one of the most unique careers in professional wrestling.We debate his greatest matches, discuss his controversial loss to Triple H at WrestleMania 19, and revisit his time in Total Nonstop Action Wrestling as part of the legendary Main Event Mafia.Was Booker T the most underrated star of his generation?Join the debate and let us know in the comments:

Why do we have pain in the absence of injury, or long after our tissue has healed? How can the same pain stimulus feel so different, depending on who you are, or even what day it is?  Neurosurgeon and CNN Chief Medical Correspondent Dr. Sanjay Gupta, author of It Doesn't Have to Hurt: Your Smart Guide to a Pain-Free Life, talks about some of the surprising developments in pain science, including non-opioid treatments you may not know about.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitTo manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Why do we have pain in the absence of injury, or long after our tissue has healed? How can the same pain stimulus feel so different, depending on who you are, or even what day it is?  Neurosurgeon and CNN Chief Medical Correspondent Dr. Sanjay Gupta, author of It Doesn't Have to Hurt: Your Smart Guide to a Pain-Free Life, talks about some of the surprising developments in pain science, including non-opioid treatments you may not know about.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitTo manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

In this episode of Friday Field Notes, Ryan Michler reflects on the public rise and fall of actor Shia LaBeouf to explore a deeper issue affecting men everywhere: isolation. While fame and success may amplify a man's strengths and weaknesses, they cannot stabilize him. Ryan argues that the real danger is not failure, but a lack of brotherhood and accountability. Through personal insight and hard-earned experience, he challenges men to build strong systems and surround themselves with brothers who will confront, support, and walk with them - especially when life begins to unravel. SHOW HIGHLIGHTS 00:00 - The Rise and Fall of Shia LaBeouf 04:36 - Success Amplifies, It Doesn't Stabilize 07:15 - No TMZ in Your Living Room 09:36 - Untouchable Men Become Unstable 12:05 - What Real Brotherhood Does 16:25 - Systems Over Willpower 18:51 - Fame Didn't Destroy Him 20:09 - Who Can Confront You? 21:02 - Submit to Accountability 22:48 - A Call to Build the Brotherhood Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready

It Doesn't Matter What You Make.. it Matters What You KEEP

Former WWF writer Tommy Blacha and co-host Rob Pasbani head to Worcester, Massachusetts, to recap the massive fallout from King of the Ring 2000! The landscape of the WWF shifts forever as Shawn Michaels steps down and introduces Mick Foley as the new WWF Commissioner. Tommy Blacha provides the backstage perspective on the decision to bring Foley back in an authority role and how a "face" commissioner completely changed the show's dynamic.We also break down Vince McMahon's bizarre and narcissistic "Genetic Jackhammer" promo, where he attempts to write himself off the show to "make babies" with Linda McMahon. Tommy pulls back the curtain on the real-life USA Network legal battles and the growing pressure from sponsors to tone down the Attitude Era's signature language.In this episode, we also discuss:- The Rock's new world title reign and his "Billionaire's Elbow" mocking of the Chairman.- Kurt Angle's official coronation as King and the legendary "adult man in a crown" mockery from Foley.- The beginning of the Right to Censor angle as Steven Richards covers up a "top-off" match involving The Kat and Terri.- Undertaker and Kane forming a dominant "Brothers of Destruction" alliance against Edge and Christian.- Tommy Blacha pays tribute to long-time WWF Director Kerwin Silfies following his passing.0:00 - Intro / The Mick Foley Reset0:53 - The "Gnarly" history of Worcester and the textile mills4:20 - Post-Pay-Per-View post-mortems: Handling reviews7:40 - Summer Reset: Pulling back the McMahons10:14 - The Rock vs. Vince promo14:10 - Rikishi vs. Chris Benoit / Taz makes a confusing return15:45 - Chris Jericho kisses "Roadkill" Stephanie McMahon17:40 - The Golden Age of Heel Crowns: Harley Race to Kurt Angle19:25 - Eddie Guerrero and Chyna vs. Val Venis and Trish Stratus20:50 - Kurt Angle's "Commoner" perspective / Coronation prep23:10 - Shawn Michaels straddles the throne in Worcester25:55 - MICK FOLEY IS THE NEW COMMISSIONER28:30 - Foley mocks "King" Angle's oversized crown31:00 - Oversaturation talk: Balancing 6 hours of WWF programming34:00 - Triple H cheap shots Kurt Angle35:10 - Lawler, Malenko, Terri, and The Kat: "Over the Top" rules37:55 - The Birth of Right to Censor: Steven Richards intervenes40:30 - Backstage: Why Stevie Richards didn't have an "epiphany"43:40 - Sponsor Pressure: Bleeping the "A-word" and the "H-word"44:45 - Edge & Christian vs. Mick Foley (The Sound of Music reference)47:45 - APA wins the Tag Team Battle Royal49:10 - Undertaker offers Kane tobacco chew (Locker Room Habits)50:30 - Undertaker & Kane vs. Edge & Christian53:15 - The Rock premieres "It Doesn't Matter" on TRL54:25 - Main Event: The Rock vs. Triple H vs. Kurt Angle57:55 - The Delaware Court decision: Moving to Viacom59:00 - Mike Piazza and the USA Today wrestling controversy1:01:10 - TRIBUTE: Remembering WWF Director Kerwin SilfiesFollow Tales from The Attitude Era on all social mediahttp://youtube.com/@TFTAttitudeEra http://twitter.com/TFTAttitudeErahttp://instagram.com/TFTAttitudeErahttp://tiktok.com/@TFTAttitudeEra Hosted on Acast. See acast.com/privacy for more information.

Hey, it's Dave Jackson. In this episode, I'm talking directly to those of you who want to start a podcast but feel paralyzed by fear, perfectionism, or that nagging voice telling you you're not good enough. I share my personal tips for getting your content out of your head and into the world—without letting things like criticism or imperfect editing stop you.I start by reflecting on a post I saw on Reddit, where someone struggled with overthinking, fear of criticism, and worrying about making mistakes. This resonated with me because I've definitely felt the same way. I break down how I personally organize my thoughts: writing a blog post, reading it several times to get the overall message, and then distilling it into bullet points I riff on while recording—just like I'm talking to a friend across the desk.Do People Care About Ums?I address the big question: do people actually care if you ramble, or if your audio isn't perfect? The truth is, people only care if you waste their time. An “um” here or there isn't the problem—what matters is not losing their attention or making the show all about you with no lesson or value.It Doesn't Have to Be PerfectI also highlight the importance of starting small and being okay with imperfection. Your first episode won't be as good as your tenth, and that's totally normal. Focus on your audience and what they need to hear, rather than dwelling on your own fears. When your need to serve outweighs your fear of looking silly, you'll finally press record and publish.I Have A ColdI even recorded this episode while I had a cold—proof that you don't have to be perfect to provide value! If you need feedback, consider joining a listener party at the School of Podcasting, where you can get constructive, uplifting advice on your episode before going live.If you want help or someone to listen to your work, visit schoolofpodcasting.com and use the coupon code "listener" for a discount. Thanks for joining me, and remember: don't let perfectionism keep you from creating a truly great podcast. I'd love to see what happens when we work together.My WorkFlowThis is what works for me.:Write a blog.This helps me figure out what I'm trying to say and how I want people to feel.Read Your blog Three times.This helps you get it into your brain. Not to memorize, but to "get the gist of it." Do not cheat. read the whole thing from top to bottom three times.Boil it down to bullet pointsThis is the map to attempt to keep you on trackPress Record and Talk To Your FriendMuch like a phone call, press record and talk to the invisible person on the other side of your desk and "riff" on your bullet points.EditAnything that went off the rails too much, edit out. That starts with knowing who you are talking to.This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

Olathe Schools Try to Explain $400 Million Bond Issue, and It Doesn't Go Well | Mundo Clip 2-19-26See omnystudio.com/listener for privacy information.

Vanguard released their annual Economic and Market Outlook, and this year isn't a happy report. We take a look at some of the key insights, then give you the steps you can take to protect your finances - no matter how the market performs. Then we answer your financial questions and have yet another update to our "It Doesn't Depend" rapid fire segment! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

In a theological landscape that often softens sin into "brokenness," Episode 480 re-establishes the biblical category of sin as debt. Jesse Schwamb takes us into the house of Simon the Pharisee to analyze the Parable of the Two Debtors. The central argument is forensic: sin creates an objective liability against God's justice that no amount of human currency—tears, works, or religious heritage—can satisfy. We explore the critical distinction between the cause of justification (God's free grace) and the evidence of justification (love and repentance). This episode dismantles the self-righteous math of the Pharisee and points us to the only currency God accepts: the finished work of Christ. Key Takeaways Sin is Objective Debt: Sin is not merely a relational slight; it is a quantifiable liability on God's ledger that demands clearing. Universal Insolvency: Whether you owe 50 denarii (the moralist) or 500 denarii (the open sinner), the result is the same: total inability to pay. God Names the Claim: The debtor does not get to negotiate the terms of repayment; only the Creditor determines the acceptable currency. Love is Fruit, Not Root: The sinful woman's love was the evidence that she had been forgiven, not the payment to purchase forgiveness. The Danger of Horizontal Math: Simon's error was comparing his debt to the woman's, rather than comparing his assets to God's standard. Justification by Grace: Forgiveness is a free cancellation of the debt, based entirely on the benevolence of the Moneylender (God). Key Concepts The Definition of Money and Grace To understand Luke 7, we must understand money. Money is a system of credit accounts and their clearing. When we apply this to theology, we realize that "religious effort" is a currency that God does not accept. We are like travelers trying to pay a US debt with Zimbabwean dollars. The Gospel is the news that Christ has entered the market with the only currency that satisfies the Father—His own righteousness—and has cleared the accounts of those who are spiritually bankrupt. The Pharisee's Calculation Error Simon the Pharisee wasn't condemned because he wasn't a sinner; he was condemned because he thought his debt was manageable. He believed he had "surplus righteousness." This is the deadly error of legalism. By assuming he owed little, he loved little. He treated Jesus as a guest to be evaluated rather than a Savior to be worshipped. A low view of our own sin inevitably leads to a low view of Christ's glory. Evangelical Obedience The woman in the passage demonstrates what Reformed theologians call "evangelical obedience"—obedience that flows from faith and gratitude, not from a desire to earn merit. Her tears did not wash away her sins; the blood of Christ did that. Her tears were the overflow of a heart that realized the mortgage had been burned. We must never confuse the fruit of salvation with the root of salvation. Quotes Tears don't cancel the ledger. Christ does that. Tears are what debtors do when Mercy lands. Grace received produces love expressed. A creditor doesn't need to be convinced you did harm. The ledger already stands. Transcript [00:01:10] Welcome to The Reformed Brotherhood + Teasing the Parable [00:01:10] Jesse Schwamb: Welcome to episode 480 of The Reformed Brotherhood. I'm Jesse, and this is the podcast for those with ears to hear. Hey, brothers and sisters, how great is it that we have these incredible teachings of Jesus? Can we talk about that for a second? Tony and I have loved hanging out in these parables with you all, and Tony will be back next week. Don't you worry. But in the meantime, I've got another parable for us to consider, and I figured we would just get. Straight to the points, but I have to let you in in a little secret first, and that is not even Tony knows until he hears this, which parable I've selected for us to chat about. And I knew that there might come a time where I would be able to sneak in with this parable because I love. This parable, and I love it because it's so beautiful in communicating the full breadth and scope of the gospel of God's grace and his mercy for all of his children. And it just makes sense to me, and part of the reason why it makes so much sense to me is. The topic which is embedded in this is something that more or less I've kind of built my career around, and so it just resonates with me. It makes complete sense. I understand it inside and out. I feel a connection to what Jesus is saying here very predominantly because the topic at hand means so much to me, and I've seen it play out in the world over and over and over again. So if that wasn't enough buildup and you're not ready, I have no idea what will get you prepared, but we're going to go hang out in Luke chapter seven, and before I even give you a hint as to what this amazing, the really brief parable is, it does take a little bit of setup, but rather than me doing the setup. What do you say if we just go to the scriptures? Let's just let God's word set up the environment in which this parable is gonna unfold. And like a good movie or a good narrative, even as you hear this, you might be pulled in the direction of the topic that you know is coming. And so I say to you, wait for it. Wait for it is coming.  [00:03:20] Luke 7 Setup: Simon's Dinner & the "Sinful Woman" Arrives [00:03:20] Jesse Schwamb: So this is Luke's book, his gospel chapter seven, beginning in verse 36. Now one of the Pharisees was asking Jesus to eat with him, and Jesus entered the Pharisees house and reclined at the table. And behold, there was a woman in the city who was a sinner, and when she learned that he was reclining at the table in the Pharisees house, she brought an alabaster jar of perfume. And standing behind him at his feet crying. She began to wet his feet with her tears, and she kept wiping them with her hair over her head and kissing his feet and anointing them with perfume. Now, in the Pharisee, who had invited him, saw this, he said to himself saying, if this man were, he would know who and what sort of person this woman is who is touching him, that she is a sinner. Let's stop there for a second. So this incredible dinner party that Jesus attends and here is this woman. Well, all we're told is that she's a woman who's identified as a sinner. Clearly moved by the presence of Jesus clearly wanting to worship him in a very particular way. By the way, loved ones. Can we address the fact that this goes back to something Tony and I have been talking about, I dunno, for like seven episodes now, which is coming outta Luke chapter 15. This idea that sinners, the marginalized, the outcasts, the down and out, they were drawn to Jesus. Something about him, his presence, the power of his teaching drew them in, but in a way that invited vulnerability, this kind of overwhelming response to who he was. And what his mission was. And so here maybe is like any other occurrence that happened in Jesus' day, maybe like a million other accounts that are not recorded in the scriptures. But here's one for us to appreciate that. Here's this woman coming, and her response is to weep before him, and then with these tears, to use them to wash his feet and to anoint him with this precious perfume. Now, there's a lot of people at this dinner party. At least we're led to believe. There's many, and there's one Pharisee in particular whose home this was. It was Simon. And so out of this particular little vignette, there's so much we could probably talk about. But of course what we see here is that the Pharisee who invited him, Simon, he sees this going on. He does not address it verbally, but he has his own opinions, he's got thoughts and he's thinking them. And so out of all of that, then there's a pause. And I, I would imagine that if we were to find ourselves in that situation, maybe we'd be feeling the tension of this. It would be awkward, I think. And so here we have Jesus coming in and giving them this account, this parable, and I wanna read the parable in its entirety. It's very, very short, but it gives us a full sense of both. Like what's happening here? It's both what's happening, what's not happening, what's being. Presented plain for us to see what's below the surface that Jesus is going to reveal, which is both a reflection on Simon and a reflection on us as well. [00:06:18] The Two Debtors Parable (Read in Full) [00:06:18] Jesse Schwamb: So picking up in, in verse 40, and Jesus answered and said to him, Simon, I owe something to say to you. And he replied, say it, teacher a money lender had two debtors, one owned 500 in RI and the other 50. When they were unable to repay, he graciously forgave them both. So which of them will love him more? Simon answered and said, I suppose the one who he graciously forgave more, and he said to him, you have judged correctly and turning toward the woman. He said to Simon, do you see this woman? I entered your house? You gave me no water from my feet, but she has wet my feet with her tears and wiped them with her hair. You gave me no kiss, but she, since the time I came in, has not ceased to kiss my feet. You did not anoint my head with oil, but she anointed my feet with perfume. For this reason, I say to you her sins, which are many have been forgiven for. She loved much, but he who is forgiven, little loves little. Then he said to her, your sins have been forgiven, and those were reclining at the table. With him began to say to themselves, who is this man who even forgives sins? And he said to the woman, your faith has saved you. Go in peace.  [00:07:42] What This Scene Teaches: Sin, Forgiveness, Love as Fruit [00:07:42] Jesse Schwamb: What a beautiful, tiny, deep, amazing instruction from our Lord and Savior Jesus Christ. So in this just short 10 verses here, it's we're sitting inside. This dinner at Simon, the Pharisees house, and a woman known publicly only as a sinner, has shown some striking love toward Jesus, and Jesus explains her actions. Then through this mini parable of debt, two debtors, one creditor, neither can pay. Both are freely forgiven. Love flows. Then from that forgiveness. And so there's a lot within the reform theological spectrum here that helps us to really understand. I think the essential principles of what's going on here, and I just wanna hit on some of those and chat with you about those and hopefully encourage you in those as I'm trying to encourage myself. First, we get some sense about what sin really is like. We get a sense of the inability to cope with sin. We get the free forgiveness that's grounded in Christ, in Christ alone, and we get this idea of love and repentance as the fruit or the evidence, not the cause of justification. Now to set this whole thing up. [00:08:50] Why Talk About Money? Defining Money as Credit & Clearing [00:08:50] Jesse Schwamb: I do think it's so important for us to talk about money for a second, not money, like we're gonna have a budget talk, not what you spend on groceries or your vacation, not even what you do in terms of planning for your retirement or what you give to the church in way of tithe than offering none of that. I'm actually more interested to talk to you about money itself. One of the things I love to ask people. Especially when I was teaching students in money and finance is the question, what is money? And I bet you if you and I were hanging out across the kitchen table and I asked you, what is money? I'm guessing you would go in one or two directions. Either you would gimme examples of money, types of money. You might talk about the US dollar or the Zimbabwean dollar, or the Euro or the Yuan. That would be correct in a way, but really that's just symptomatic of money because that's just an example or a type of some money that you might use. And of course those definitions are not ubiquitous because if I take my US dollars and I go travel to see our Scott brothers and sisters, more than likely that money. That currency, those dollars will not be accepted in kind. There'd have to be some kind of translation because they're not acceptable in that parts of the world. That's true of most types of money. Or you might go to talking about precious metals and the price of gold or silver and how somehow these seem to be above and beyond the different types of currency or paper, currency in our communities and around our world. And of course, you'd be right as an example of a type of money, but. Gold itself, if you press on it, is not just money, it's describing as some kind of definition of what money is. The second direction you might take is you might describe for me all the things that money is like its attributes. Well, it must be accepted generally as a form of currency. It might must be used to discharge debt or to pay taxes, or it must have a store of value and be able to be used as a medium of exchange. And you would be correct about all of those things as well because. Probably, whether you know it or not, you're an expert in money because you have to use it in some way to transact in this lifetime. But even those are again, just attributes. It's not what money is in its essential first principle. So this is not like an economics lecture, I promise, but I think it is something that Jesus is actually truly drawing us to, and that is the best definition of money I can give, is money is a system of credit accounts and their clearing. It's a whole system of credit accounts and their clearing. So think of it like this, every time you need something from somebody else. Anytime you wanna buy something or you wanna sell something, what's happening there is somebody is creating a claim. So let's say that I go to the grocery store and I fill up the cart with all kinds of fruits and vegetables and meats, and I'm at the counter to check out. What I've just done is said that I have all of these things I would like to take from the grocery store, and now the grocery store has some kind of claim because they're handing them over to me and I need a way to settle that claim. And the way that I settle that claim is using money. It is the method that allows us to settle those transactions. And in my particular instance, it's going to be the US dollar, or maybe it's just ones and zeros electronically, of course representing US dollars. But in this case, the way I settle it is with money and a particular type of money. But, and I want you to keep this in mind 'cause we're gonna come back to it. This is my whole setup for this whole thing. The reason why this is important is because you have to have the type of money. That will settle the debt or settle the creditor. You have to have the thing itself that the creditor demands so that you can be a hundred percent released from the claim that they have on you. If you do not have exactly a. The type of money that they desire, then the debt will not be released. The creditor will not be satisfied. You will not go free, and that it's so critically important.  [00:12:52] Sin as Objective Debt: God Names the Claim [00:12:52] Jesse Schwamb: I think it's just like this really plain backdrop to what's happening here When Jesus addresses Simon with this whole parable. So he starts this whole idea by saying to Simon that he is something to say to him, which I think in a way is profound anyway, because Simon invites him to speak. But Jesus here is taking the initiative. Simon is the host. He socially, as it were, above this sinful woman. But Jesus becomes the true examiner of the heart in this parable. What we have is. Christ's word interrupts self-justifying narratives, and clearly there was a self-justifying narrative going on in Simon's head. We know this because we're privy to his thoughts in the text here. The gospel does not wait here for the Pharisee to figure it out, the gospel lovingly correct. Always goes in, always initiates, always intervenes as Christ intercedes. And here, before any accounting happens, Jesus sets the terms. God is the one who names the debt, not the debtor. And this really is probably the beating hearts, the center of gravity of this whole exchange. I love that Jesus goes to this parable. Of a money lender, a money lender who had two debtors, one owned, 500, one owned 50. Now of course, I would argue that really, you can put this in any currency, you can translate into modern terms, you can adjust it for inflation. It doesn't really matter. What we have here is one relatively small debt, another debt 10 times the size. So one small, one large, and that's the juxtaposition. That's the whole setup here. And I would submit to you something super important that Jesus does here, which flies in the face of a lot of kind of just general wishy-washy evangelicalism that teaches us somehow that sin is just not doing it quite right, or is just a little brokenness, or is just in some way just slightly suboptimal or missing the mark. It is those things, but it is not the entirety of those things because what's clear here is that Jesus frames sin as debt. In other words, it's an objective liability. A liability is just simply something of value that you owe to somebody else. And I am going to presume that almost everybody within an earshot of my voice here all over the world has at some point incurred debt. And I think there's, there's lots of great and productive reasons to incur debt. Debt itself is not pejorative. That would be a whole nother podcast. We could talk about. Maybe Tony and I sometime, but. What is true is that debt is an objective liability. The amounts differ, but both are genuinely in the red here. And what's critical about this is that because debt is this objective reality, whenever you enter into an arrangement of debt, let's say that you borrow some money to purchase a car or home or simply to make some kind of purchase in your life, that's unsecured debt. In all of those cases, the. The one lending you the money, the creditor now has a claim on you. What's important to understand here is that this kind of thing changes it. It provides way more color and contrast to really the effects of what sin is and what sin does in its natural accountability. And so in this way we have this nuance that there are differences in outward sin and its social consequences. That is for sure that's how life works, but all sin is ultimately against God and makes us debtors to divine justice. That is now God has a claim against us. And this shouldn't make sense because unless we are able to satisfy that claim, all have that claim against them all have sinned and fall short of the glory of God. And as a result of this, it's not just that we somehow have lived a way that is just slightly off the mark and suboptimal, but instead that we've heaped up or accumulated for ourselves an objective liability, which is truly. Owed to God and because it is truly owed him, he's the one who can only truly satisfy it. This is why the scripture speak of God as being both just and justifier. That is a just creditor ensures that the debt is paid before it is released, and the one who is justifier is the one who pays that debt to ensure it will be released. God does both of these things through Jesus Christ, our Lord. Praise be to his name. So here we have a really true understanding. Of what sin is. There's no mincing of words here. There's a ubiquity in all of our worlds about money lending and borrowing, and Christ leans into that heavily. We know for a fact that the ancient Mesopotamians learned how to calculate interests before they figured out to put wheels on car. And so this idea of lending and borrowing and indebtedness, this whole concept has an ancient pedigree, and Jesus leans into this. And so we have this really lovely and timeless example of drawing in the spiritual state into the very physical or financial state to help us understand truly what it means when we incur sin. Sin is not easily discharged, and just like debt, it stands over us, has a claim on us, and we need somebody to satisfy that claim on our behalf. By the way, this gets me back to this reoccurring theme of we need the right currency, we need the right money, as it were to satisfy this debt only that which is acceptable to God through Jesus Christ. Our Lord, by the power of the Holy Spirit is what will be acceptable in payment in full for this kind of debt. And so that's again, this whole setup, it's the spiritual realm being immediately kind of dragged into this corporal reality of the balance sheet, assets and liabilities, things of value that we owe to someone else. [00:18:50] Unable to Repay: Free Cancellation, Justification by Grace [00:18:50] Jesse Schwamb: Notice in Luke verse 42, that the reason why it's important to understand the full ferocity, the ferocious of sin and the weight of the debt that it incurs upon us, is that it cannot be repaid no matter what. So look at both of these borrowers. Neither could repay. Neither could repay. So think about that for a second. It doesn't even matter how much they owed. Both were way beyond their ability. It's not merely they didn't want to, but they didn't have the resources in the spiritual state. In other words, there was no surplus righteousness to pay God back and the creditor's action here is free cancellation grace, not a negotiated settlement, but free cancellation. So whether it was 50 or 500, it was irrelevant to the fact that these borrowers just like you and I, have nothing within our means, our wherewithal to actually satisfy the this cosmic debt that we have rightfully incurred against God. And so you should be hearing this align so closely with justification By Grace, God doesn't forgive because we eventually scraped together payment. He forgives because he's gracious and in the full biblical picture because Christ pays and bears that penalty. So this isn't, we have somehow, as you've heard, sometimes in kinda very again, wishy-washy, evangelical ways that we've somehow come forward at the right time. To receive from God some kind of gift or that we've somehow elevated ourself to the place of the deserving poor, or that we come with our own extended arms, empty, but outstretched so that we might receive something from God, in part because we make ourselves present before him, not loved ones. It's far better than that. It's not being able to pay and Christ saying, come and buy. Not being able to put food on the table and him saying, come and eat. It's him saying, you who are thirsty, come and drink from the fountain of life freely and unreservedly. Not because you have some way deserved it, because in fact you desperately do not. And because God has made a way in Christ a way that we could not make for ourselves, he's paid a debt that we just could not repay. It doesn't matter what it is that you think is outstanding against you. The fact of the matter is you cannot repay it. And so of course, that's why Paul writes in Ephesians, it's by grace through faith and not by works that you've been set free in the love of the Kingdom of Christ, that all of these things have been given to you by God because he loves you and because he's made a way for you. You may remember that when Tony and I spent some time in the Lord's Prayer. That we really settled, we sunk down into what we thought was the best translation of that portion where we come to forgiving debts and forgiving debtors, and we settled on that one because we feel it's the most accurate representation of the actual language there in the text. But two, because that language also comports with all this other teaching of Jesus, this teaching that. Emphasizes the debt nature of sin, and that when we think about the fact that we in fact have a giant loan or a lease or an outstanding obligation, something that has been that our souls ourselves in a way have been mortgaged. And we need a freedom that breaks that mortgage, that wants to take that paper and to satisfy the payment and then to throw it into the fire so that it's gone and no more upon us. That because of all of that, it's appropriate for us to pray that we be forgiven our debts, and that, that we, when we understand that there's been a great debt upon us, that we are willing to look at others and forgive our debtors as well. And so you'll see that in, I'd say it looks like verse 43 here, Simon answers. Jesus question appropriately. Jesus basically pegs him with this very simple, straightforward, and probably really only one answer question, which is, which one do you think loved the creditor more? Which of these borrowers was more ecstatic, which appreciated what had been done more? And of course he says, well, the one with the larger debt, that that seems absolutely obvious. And Jesus essentially here gets Simon to pronounce judgment and then turns that judgment into a mirror. This is brilliantly what Jesus often does with these parables, and to be honest, loved ones. I think he still is doing that today with us. Even those of us who are familiar with these parables, they're always being turned into a mirror so that when we look into the, the text we see ourselves, but like maybe whatever the opposite of like the picture of the Dorian Gray is like, well, maybe it's the same as the picture. You know, this idea that we're seeing the ugliness of ourselves in the beauty of Christ as he's presenting the gospel in this passage. And the issue of course here is not whether you and I or Simon can do math. It's whether Simon will accept the implication and you and I as well, that we are a debtor who cannot repay. That. That's just the reality of the situation.  [00:23:44] The Mirror Turns: Simon's Little Love vs Her Overflowing Gratitude [00:23:44] Jesse Schwamb: And so Jesus turns then, and this is remarkable, he turns toward the woman and he compares her actions with Simon's lack of hospitality, speaking to Simon while he stares intently at the woman. I mean, the drama unfolding in this quick small little passage is exceptional. It's extraordinary. And unlike some of the. Other teachings that we've already looked at here, there is something where Jesus is teaching and acting at the same time. That is the scripture is giving us some direct indication of his movements, of his direction, of his attentional focus. And here there's an attentional focus on the woman while he speaks to Simon the Pharisee. And first what we find is Jesus dignifies the woman by addressing Simon about her while looking at her. He makes the sinner central and the respectable man answerable. That's wild. And there's an angle here that still leads us back to debt, which is Simon behaves like someone who thinks that he is little debt. So he offers little love and the woman behaves like someone who knows she's been rescued from insolvency, and so she pours out gratitude. And then there's a whole host, a little list here, a litany of things that Jesus essentially accuses Simon of directly and pulls them back into this proper understanding of the outpouring of affection. That is a fruit of justification exemplified in the woman's behavior. For instance, Simon gave no kiss, and yet here's this woman. She has not stopped kissing Jesus' feet and then wiping her feet, washing his feet with her tears.  [00:25:19] Grace Received, Love Expressed (Not Earned) [00:25:19] Jesse Schwamb: Of course, in that culture, Simon withheld this ordinary honor and the woman lavish is extraordinary affection. You know, we would often call this an reformed theology, evangelical obedience. It's the kind that flows from faith and gratitude, not a plan to earn acceptance. And this is tough for us, loved ones because we want to conflate these two. It's easy to conflate these two, and we're well-meaning sometimes when we do that. But we have to be careful in understanding that there is an appropriate response of loving worship to one who has set you free. While at the same time understanding that that loving worship never should spill over and, and into any kind of self-proclaimed pride or meritorious earning. And this woman apparently does this so exceptionally well that Jesus calls it out, that all of this is flowing from her faith and her gratitude. Jesus says, Simon didn't anoint his head with oil and she anoints his feet with perfume again. Notice some really interesting juxtaposition in terms of the top and the bottom of the body here. Here's this woman's costly act, underscoring a pattern, grace received, produces love expressed. I love thinking of it that way. Grace, perceived, excuse me, grace received produces love expressed.  [00:26:39] Sin as Crushing Debt: Why It Must Be Paid [00:26:39] Jesse Schwamb: That is the point that Jesus is driving to here, that if we understand the gospel and the gospel tells us that there is a law. That we have transgressed and that this law has accumulated in all of this debt that we cannot pay. And so the weight of this means not just that, oh, it's, it's so hard to have debt in our lives. Oh, it's so annoying and inconvenient. No, instead it's oppressive. This debt itself, this grand burden is over our heads, pushing down on our necks, weighting us down in every way, and especially in the spiritual realm. And because of this, we would be without hope, unless there was one who could come and release us from this debt. And the releasing of this debt has to be, again, an A currency acceptable to the debtor, and it has to actually be paid. There's no wiping away. There's no just amnesty for the sake of absolve. Instead, it must be satisfied. And the woman here has received this kind of extraordinary grace has acknowledged, and by the power of the Holy Spirit, through opened eyes and unstopped ears and a clean heart, has been able to understand the severity of the situation. And then this produces in her love expressed, which again is not the means of her justification, but certainly is one of the fruit of it. And Jesus explains then the reason for her response.  [00:27:58] Forgiveness First: Clearing Up Luke 7's Logic [00:27:58] Jesse Schwamb: The reason why Grace received produces love expressed is because she and her many sins have been forgiven. Hence, her love is great, love the one forgiven, little forgives little. I think sometimes that verse is often misunderstood as if. Her love caused her forgiveness. But again, we want to hear clearly from Jesus on this. The logic he gives is forgiveness, leading to love. Love is evidence or fruits. And so her love is the sign that forgiveness has already been granted and is truly possessed, not the purchase price. And Simon's Lovelessness exposes a heart still clinging to self-righteousness, acting like a small debtor who doesn't even need mercy, like one who doesn't understand that they will never, ever be able to repay the thing that is over them. You know, I love that John Val is often quoted along the lines of something like this. Those forgiven much will love much. And in his writing to me, he captures so much of this moral psychology of grace and I think there is a psychology of grace here. There is a reasonable response. That moves us by the power of the Holy Spirit, from deep within this renewal of the man, such that we express our love to God in all kinds of ways. I think especially in our age, on the Lord's day, in acts of singing through worship and meditation, through worship, and listening through worship and application, through worship, all of these means in particular as our expression of what it means to have been received, having received grace, producing a loving response. [00:29:36] "Your Sins Are Forgiven": Jesus' Divine Authority [00:29:36] Jesse Schwamb: I love that all of this ends as it draws to a close. Jesus speaks these incredible words. He tells her that her sins are forgiven. You know, notice here that Christ speaks an authoritative verdict. This is justifying speech. It's God's court declaration. It's not some like mere the therapeutic. Like reassurance here. It's not like whistling in the dark. It's Jesus himself saying This woman has been forgiven. Blessed is the one whose sins are forgiven. And of course, like so many other times in Jesus' ministry, and I have to imagine by the way, loved ones that this question got asked all the time, and not just on the occasion in which it was a court of us in scripture, but the other guests ask the right question and that question is. Who is this? Who even forgives sins, and that is the right question. Only God can forgive sins against God. Jesus is implicitly claiming divine authority. Now, we finally arrived. This is God's currency. This is the currency or the money, so to speak, that is desperately needed, the only one acceptable to discharge the debt, the cosmic treason that has been done against God himself. So because of that, here's Jesus making the claim that the way that you are led out, the way that you are set free is through me. So even here in the course of just this confronting Simon speaking about sin, he's also providing the way he's saying, I am this way, I am this truth. I am this life. Come through me. [00:31:14] Jesus the Greater Moses: The Gospel as Exodus [00:31:14] Jesse Schwamb: What I find amazing about this is in the beginning. With Adam and Eve, they transgress God's law. And from that day in all days forth, we have been building this massive sin, debt that we cannot repay. And part of the, the repercussions of that debt were for Adam and Eve to be driven to be Exodus as it were, out of the garden. And ever since then, the grand narrative of the redemptive history of God's people has been an exodus instead. Not out of what is idyllic, not out of perfection, but instead. Out of sin, out of bondage, out of sin and death and the devil and the deaths that we have incurred. And so here we have Jesus representing. He is the, the new and better Moses, he is the exodus, so to speak, who comes and grabs us by the hand almost as in the same way that the angelic representations in the story of la. And Sonor grabbed his hand to pull him, maybe even kicking him, screaming. Out of that sinful place, into the glorious light, into safety and security out from underneath this grand debt that we cannot repay. I think of Jesus's acal meeting with Moses and Elijah on the mounts of transfiguration. That's also in Luke, right? And Luke tells us that they spoke of his deceased, which he was about to accomplish at Jerusalem. And the word deceased there literally means Exodus. In Jesus, God would affect an infinitely greater deliverance than he had under Moses. And then interestingly, we see that even in all the way back in Psalm 23, you know David, he's writing as a rescue sinner who has been brought out. Brought to the Heavenly Shepherd, into the security and freedom of a sheep hold in love ones I submit to you. That is what Jesus is after here. He's after it in your life and he's after in mind that there is death, and he wants to take us out from underneath that debt by paying it off that he is the rescuer, the one who is just and justifier that he's the greater Moses, and that he leads us into Exodus. So we are transferred into the kingdom of a light. And that kingdom of light is also a kingdom of lightness in the sense that what was once a burden on our back, like it was for Pilgrim, has now been taken off. And so we are free. In that freedom, in that financial freedom, in that spiritual freedom as it were, to use both of the sides of this metaphor. What we find is our response is appropriately one of worship, that we weep and we cry for who we were, that we rejoice for who God is, and that we come proudly into His kingdom because of what he has done. And this changes us. It messes us up. You know, I think we've said before that. The joy of the Christian life of Christian lives is that the transformation process that God undertakes in each of us is very different, and some honestly are more dramatic than others. But what I think is always dramatic is one, the scripture tells us that it is a miracle. That even one would be saved. So hardhearted are we, and again, so great this debt against us that when God intervenes all get what they deserve. But some get mercy. And if we have been the ones who have received mercy, how joyful ought we to be toward the one who has granted it to us? And so here we have Christ, the the one who delivers, the one who leads out, the one who pays off, the one who pays it all.  [00:34:45] Behold the Cross: What Sin Costs, What Love Pays [00:34:45] Jesse Schwamb: I think what's clear is that the cross gives us this sense when we look upon it of just how deep and dark and heavy sin is, and that there is no easy way out of it. That what we find is that sin constantly wants to drag us down. It constantly wants to take us farther than we wanted to go, and it certainly costs us way more than we were willing to pay. So I think if we come and we behold the wood, if we behold the nails, if we look on this crown pressed into the brow that knew no guilt or disobedience, if we, not in our mind's eye, but by faith, behold, the hands that open, the blind eyes now being opened by iron. If we see the feet. Walked toward the hurting, now fixed in place for the healing of the world. If we look at the thirst of the one who is living water and the hunger of the one who is the bread of life, we ought to see the one who here, even in this passage, is just and justifier, and he invites us to say with him, come witness the death of death in the death of Jesus Christ. That is the glorious mission, right? As as, um, Horatio Spafford said, my sin, oh, the bliss of this glorious thought. My sin not in part, but the whole is nailed to the cross, and I bear it no more. Praise the Lord. Praise the Lord. Oh my soul of ones. This is the beauty of, I think of what Jesus is, is teaching here. It's the lamb. It's the one promise on the mountain provided in place of Isaac. It's the Passover marked with Crimson death passing over doors that were covered. Here's the suffering. Servant despised and rejected a man of sorrows. Who here is one who is truly well acquainted with grief? When we see Jesus lifted up, lifted up on the cross, lifted up between heaven and earth. Here the instrument of exalted torment but also unexpected triumph, the perfect God man, lifted up between earth and heaven, lifted up in shame so that we might be lifted up in grace, lifted up in cursing. We might be lifted up in blessing lifted up in Forsakenness so that we might be lifted up in divine communion with God the father lifted up to be stared at as he presents himself here, so that we could finally see what sin costs and what love pays. That is everything that he's teaching us in this passage, and I hope that you are as encouraged about this as I am because. When I think about the gospel framed in this way with the full severity of its repercussions, thinking about sin as debt objectively as a liability, that must be satisfied. My heart is instantly warmed, and I think the warming of that is not because this manufactured some kind of sentimentality around this, but there is something about this that's so resonant to me that in my professional career, in my business, I'm intimately familiar with, with debt and understanding how to manage it, but also the dangers of it. And what a liability it truly is. And so when I hear that sin not just is like this, but is this way, it makes complete sense to me and I see that this is really the, the true way that we ought to understand, I think the gospel message.  [00:38:18] Key Takeaways: Debt, Currency, and Canceling the Ledger [00:38:18] Jesse Schwamb: So here's what we should remember. Debt highlights objective guilt. I think I've said that a bunch of times and I just feel like it's, it bears repeating one last time. Sin is not only damage, it is consequences, but it's also a liability. A creditor doesn't need to be convinced you did harm. The ledger already stands and the ledger against us is not on our side. Loved ones. We are deeply in the red, and it really doesn't matter what the balance is because we just cannot repay. So it's really about our lack of ability, our inability, the no, we have no capability to pay this, and so it doesn't matter. We find ourselves in a place of hopelessness no matter what, and this debt highlights that inability none of these particular borrowers could repay. It's devastating to moral pride. We lean on this in our reform theological perspective. Even our best works can't erase guilt or generate merit sufficient to square the accounts. It's impossible. It's impossible with two ways, and this is some, I think really like the beautiful nuance of what Jesus after here in the one way that we are enabled to do this. Is because we just actually cannot earn enough. So in other words, the debt is too big. So think of the biggest number in your head that you could possibly think of, and that's at least minimally the outstanding debt. But then think about this. You don't even have the right currency. So you might find that you spend your entire lifetime working to the bone. It's like finding out that you have a million dollar loan or lien against you, and you work hard all your life, 50, 60, 70 years. And finally, on your deathbed, you've assembled enough cash with all of your savings to put toward and finally satisfy. So you might die in peace with this $1 million free and clear from your account, and you turn over the money and the creditor says, what is this currency? I won't accept this. I can't accept this. How debilitating. So it's not even the size of the debt. It's also that we don't have, we cannot earn the right currency. Only. God. God. I think this debt also highlights grace as cancellation. Forgiveness is not God pretending the debt doesn't exist. It is God releasing the debtor. This is him in triumph, being the greater Moses who walks us out through the waters outside of the city into the glorious light and the broader New Testament explains how God can do that justly. The charge is dealt with through Christ. You can go check out Colossians two. Read the whole thing of Love it. It's fantastic. I think lastly, this debt explains love, as shall we say, like a downstream effect. People love a little when they imagine that they have little needs and people love much when they were spiritually bankrupt and then freely pardoned freely in that it didn't cost you and I anything, but of course it cost our Lord and Savior everything, and so. In this way, our hopes to frame the fact that our love should be an outpouring of gratitude, uh, for the grace that God has given us through Jesus Christ.  [00:41:28] Putting It Into Practice: Don't Compare Debts, Watch for "Simon Symptoms" [00:41:28] Jesse Schwamb: Here's some things I would say that we should all walk away with to help us then both process what we've talked about here, and also put some of this into action. First thing would be, don't measure your need by comparing debts horizontally. That's a fool's errand, whether 50 or 500. The point is we cannot pay. And this levels the Pharisee and the prostitute alike. That is like Tony talked about elsewhere in the previous Luke 15, where we're talking about the PR prodigal of the father, the prodigal of the two lost sons. How there's like a great insult against the Pharisee there. And here's the insult, it's also a little bit cutting to us, and again, that the Pharisee and the prostitute are alike. Can't repay. It Doesn't matter what debt you think you have in the corporal sense, or again in this horizontal means, but you cannot repay it. And so therefore, guess what? We're all like, we need to let forgiveness lead and we need to let love follow. If you reverse that order like I'll love so I can be forgiven. You crush assurance and you turn the gospel into wages and that's again exactly I think what Jesus is against in this. He's making that very clear. The, the beauty of the gospel is this receiving that Christ has done all these things that we, uh, find ourselves by his arresting, by again, his intervening by his coming forward. He does all this on our behalf. You've heard me say before, I always like take that old phrase, what would Jesus do? That question that was on everybody's bracelets and everybody's minds and what, two decades ago? And turn that answer into what would Jesus do? Everything And it's already done. We need to watch for Simon symptoms. That's my clever way of saying this, like low love, high judgment. A chilly heart toward Christ often signals a warm heart towards self justification. And so we wanna be about the kind of people that are closely king, clinging to Jesus Christ as all of our hope and stay that the strength for today and hope for tomorrow comes from what Christ has already accomplished on our behalf. And therefore, there is a dutiful and meaningful and appropriate response for us. But that response again, is not obedience for merit. It is obedience out of warm heartedness for our savior. And for a sincere repentance because a sincere repentance is not payment. It's agreement with God about the debt. Tears, don't cancel the ledger. Christ does that. Tears are what debtors do when Mercy lands, and I think in some way the challenge here is that have we really meditated on the life of this woman and then more personally on our own experiences on what it means to be saved? Well, I'm not asking you to get yourself worked up into an emotional state, but what I am asking all of us to do is. Have we spent enough time recently meditating on what it means that Christ has set us free, that we are incredible debtors, and that Christ in our own ledger in this way hasn't just wiped out the debt, but he's filled up the account with righteousness. And so we can exchange these horrible soiled garments for garments of praise. Now, have we thought about that recently? The call here is to be reminded. That sincere repentance is an agreement with God about the debt, and in that agreement we're sensing that weight. There should be a response.  [00:44:42] Final Charge + Community & Support (Telegram / Patreon) [00:44:42] Jesse Schwamb: So I leave it to you loved ones, you've heard it here, or at least you've heard me talk for a little while about this parable. And maybe one day, maybe there'll be an episode one day about Tony's perspective on this, which I can't imagine will be too much different. But again, I saw my opportunity, loved ones. I said, oh, I'm gonna sneak in hard on this one because this one is particularly meaningful and special to me, and I hope that even though it involved a little bit of economics and maybe a lot of finance, that it didn't lose its resonance with you. I think this is the great weight of the way in which Jesus teaches that he's not just using practical means. But he's using these things to give greater weight and flesh, as it were, to these concepts of a spiritual nature that sometimes feel ephemeral. Instead, he wants them to sink in heaviness upon us. And I wanna be clear that. This whole parable is both law and gospel. It is the weightiness and the sharp edge knife of the law which cuts against us. And Jesus throwing his weight around literally at this dinner party and in this parable, and you and I should feel that weight. It should knock us around a little bit. And then. And then comes the reminder that there is good news and that good news, which is the gospel of Jesus Christ, is that he has made a way that the debt that was incurred against us, that we ourselves added to, that we continue to want to try to borrow against, that Jesus has, in fact paid that debt in full and that he's done so in the currency of his own flesh and blood and his own passive and active obedience so that it may be paid in full. It's true what the hymn says. Jesus paid it all, all to him. I owe. So I hope loved ones that you'll be encouraged with that message that it is both law and gospel, but it ends in this high and elevated state, which is we have been made together alive with Christ for his own sake, for his glory, and for our good. So now that you know that go out into the world and live that way, meditate on that, enjoy that. Talk about it with a family member or a brother and sister, or you can talk about it with us. You didn't think that we'd get this far without me even a plug for telegram, did you? So if you. Haven't listened to us before, or if this is your 480th time, I say welcome and also come hang, hang out with us online. You can do that by going to your browser and putting in there. T me slash reformed brotherhood. T. Dummy slash reformed brotherhood, and that will take you to a little app called Telegram, which is just a messaging app. And we have a closed community in there, which you can preview and then become a part of. And there's lots of lovely brothers, sisters from all over the world interacting, talking about the conversations we're having here, sharing prayer requests, sharing memes, talking about life tasting foods on video. It's really. Absolutely delightful, and I know you want to be a part of it, so come hang out. It's one other thing you can do. If at any point you felt like this podcast, the conversations have been a blessing to you, may I ask a favor, something at least for you to consider, and that is there are all kinds of expenses to make sure that this thing keeps going on. Keeps going strong. And there are brothers and sisters who after they've satisfied their financial obligations, have said, I want to give a little bit to that. So if you've been blessed, I'm what I can I boldly ask that you might consider that it's so many people giving so many tiny little gifts because all of these things compound for God's glory in the kingdom. And if you're interested in giving to us one time or reoccurring, here's a website for you to check out. It's patreon.com. Reform Brotherhood, P-A-T-R-E-O n.com, reform slash reform brotherhood. Go check that out. Alright, that's it. Loved ones, you know what to do. Until next time, honor everyone. Love the brotherhood. 

More than 50 million people experience chronic pain in their day-to-day life. In this episode, we're speaking with Sanjay Gupta, MD, about his latest book, It Doesn't Have to Hurt: Your Smart Guide to a Pain-Free Life, which features a wealth of science-backed strategies that address this topic. He offers knowledge and guidance for those with chronic pain, as well as those looking to reduce their chances of it in the future.   Find the episode highlights, get related resources and view the transcript for this episode at https://experiencelife.lifetime.life/podcast/insights-for-living-a-pain-free-life   Have thoughts you'd like to share or topic ideas for future episodes? Email us at lttalks@lt.life — we'd love to hear from you!   Follow us on Instagram: @lifetime.life   The information in this podcast is intended to provide broad understanding and knowledge of healthcare topics. This information is for educational purposes only and should not be considered complete and should not be used in place of advice from your physician or healthcare provider. We recommend you consult your physician or healthcare professional before beginning or altering your personal exercise, diet or supplementation program. 

Dan and Ian share 9 pieces of hiring advice that are typically considered “bad,” but can actually work pretty well for smaller bootstrapped teams - and especially lifestyle businesses. LINKS Bento will beat your current email bill — up to 70% off or $300 in credits “Who” by Geoff Smart and Randy Street Remote First Recruiting: Land your next hire in 21 days or less Meet lifestyle founders inside Dynamite Circle Hang out exclusively with 7+ figure founders in DC BLACK CHAPTERS (00:03:42) Tip 1: Just Hire a Recruiter (00:07:11) Tip 2: Work With Friends and Family (00:10:34) Tip 3: Use AI For Onboarding (00:12:02) Tip 4: Go Easy on the W2s (00:14:52) Tip 5: You Don't Need a Mission-Based Culture (00:20:16) Tip 6: If You Hire the Wrong Person, Let Them Go (00:22:54) Tip 7: It Doesn't Have to Be More Than the Math (00:25:45) Tip 8: Not Hiring Can Work Out Great (00:30:30) Tip 9: Polarize Your Managing Style CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: What We Learned From Running a 7-Figure Remote Business in 2025 The 9-5 is Dead, This is the Socially Acceptable Lottery Ticket “The World Is Ending.” These 5 Businesses Are Still Making Millions

2026 Tax Revolt: Millions Refusing to Pay Government Taxes – Here's Why  The Growing Tax Strike Nobody Wants To Talk About. America's Breaking Point? Americans are fed up. High taxes. Higher prices. Endless wars. Government waste. And now something new is bubbling beneath the surface: not protest, not riots… resignation. People quietly opting out. Some are talking about a “tax strike.” Is this dangerous? Is it justified? Does it unite the country… or blow it apart? Let's talk about it honestly. This isn't left or right. This is ordinary Americans reaching a breaking point. Stay Dangerous. Watch this video at- https://youtu.be/Qi8ipxFvB68?si=7F1mqyPmUAT-H_TA Tim Black TV 210K subscribers 8,019 views Jan 2, 2026 The Most Dangerous Night Show in America | Tim Black Live #TaxStrike #Tax #incomeinequality 00:00 — People Are Reaching Their Breaking Point 00:18 — Protest vs Resignation: A More Dangerous Shift 00:36 — “I'm Done Paying Taxes” Sentiment Grows 01:00 — 30 Years Working… And Nothing To Show For It 01:17 — Why A Tax Strike Terrifies Government 01:40 — We're Taxed Everywhere…On Everything 02:00 — People Feel Cheated By The System 02:09 — Tax Strike 2026 Calls Begin 02:23 — Could This Unite America? 02:41 — Wasteful Spending And Corruption Anger Americans 03:02 — Minnesota COVID Fraud Example 03:44 — When People Stop Believing In The System 04:05 — Major Voices Now Calling For A Tax Strike 04:10 — The Big Question… Then What? 04:14 — What Happens If People Quietly Opt Out? 04:30 — Power Only Exists If People Obey 04:44 — Reform Or Retaliation? 04:59 — “This Is What It Feels Like To Be A Slave” Anger And Pain 05:49 — Taxation Without Representation 06:06 — Does This Unite Or Divide America? 06:16 — Nobody Knows How This Ends 06:18 — Higher Taxes, Worse Services, Growing Anger 06:27 — Americans Are Waking Up Together 06:47 — This is Becoming A Movement 07:10 — Income Inequality + Oligarch Tax Structure 07:45 — Trump: “We May Eliminate Income Tax” 08:08 — America May Finally Be United… Against This 08:22 — Trust In Media Is Gone… And So Is Trust In Government Spending 09:05 — Americans Are Tired Of Being Scammed 09:34 — Can We Finally Come Together As A Country? 09:59 — Forget Parties… Do You Care About America Or Not? 10:23 — It Doesn't Matter Who You Are… Everyone Feels This 10:40 — The Country May Have Accidentally United Itself 10:48 — Was All The Distraction On Purpose? 11:18 — Watch The Most Dangerous Show In America "I'm not a news channel. I'm a commentator. - Tim Black"