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Welcome to this episode of 20/20 Money! My guest on today's show is Lee Raykovicz, OD, a mortgage broker with Go Rascal Mortgages.   On today's episode we dive into what goes into the mortgage underwriting process, how practice owners can get creative when it comes to purchasing their homes, the details on what Physician loans actually are and how they work, how to think about the total DTI ratio when thinking about your mortgage & student loans, and ARM strategy ideas in today's rate environment.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more.   And with that introduction, I hope you enjoy my conversation with Lee Raykovicz.   Resources: 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Contact Lee   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Jim Franks discusses Malachi 3:8—“Will a man rob God? Yet you have robbed Me! But you say, ‘In what way have we robbed You?' In tithes and offerings.”

Send us a message (& include the best way to reach you)When faced with high LDL cholesterol, most doctors prescribe statins without investigating the root cause. Using integrative health approaches, we can identify what's truly driving cholesterol elevation and address the body's underlying imbalances.• High cholesterol affects 94 million US adults, with 29 million having levels over 240 mg/dL• Statins deplete essential nutrients like CoQ10 and vitamin K2, causing side effects without addressing root causes• Cholesterol serves as the body's "patch kit" to repair damage, rising in response to inflammation• Key drivers of high cholesterol include inflammation, liver dysfunction, insulin resistance, nutrient deficiencies, and oxidative stress• Functional lab testing reveals underlying issues through hair mineral analysis, omega-3 index, and comprehensive hormone panels• Natural rebalancing strategies include anti-inflammatory nutrition, targeted supplementation, and appropriate movement• Extreme approaches like severe calorie restriction and excessive exercise can actually elevate cholesterol by stressing the bodyIf you'd like to explore the root causes of your cholesterol concerns, schedule a complimentary consultation at loveenergywellness.com and read our blog post "When Cholesterol Isn't the Problem" in our Learning Center.Support the showAs a token of gratitude, of course you're interested in these FREE and powerful resources, and because you enjoy the show, be sure to leave your 5-STAR Review HERE! >Join From The Heart: Your feel good feed packed with inspiring stories, wellness tips, and expert insights. Let's recharge your energy, balance your vibes, and celebrate YOU every Sunday morning. > You might be wondering just how full your Toxin-Tank may be: Take your FREE Toxicity Assessment to find out - no email required! > You'll discover a new level of self, after your FREE 2-Part audio training for Confidence! > Love to Read? You can lean more about Integrative Health on our Blog > I know you're concerned about your future. Schedule your FREE Consultation with Jeffrey

Welcome to this REWIND episode of 20/20 Money! Given that my grandpa just recently celebrated his 96th birthday, I wanted to bring back this episode and share it again for new and long-time listeners alike. It's also a subtle reminder about the importance of understanding longevity risk in one's financial plan. I can only imagine the unfortunate situation my grandpa would be in had he and my grandma not had a sound investment strategy that has allowed them to build up a portfolio that has lasted the entirety of his retirement.   On this episode, I wanted to share a bit of a personal story about 3 lessons that I learned from my grandparents that have in large part shaped the money story and lessons that have guided my financial journey and how I view and use money money in my life. I hope this conversations gives you a benchmark and different viewpoint to compare your own money values and purpose. If you feel like you don't have a grasp on your own money story and purpose, my hope is that it inspires you to start thinking intentionally about how you make spending and investing decisions with your dollars.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more.   Resources: 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Cecil Maranville discusses Psalm 13:5-6—“But I have trusted in Your mercy; my heart shall rejoice in Your salvation. I will sing to the LORD, because He has dealt bountifully with me.”

The Children's Wisconsin E-Learning Center Counselors by 96.5 WKLH

Jeremy Lallier discusses Proverbs 26:4-5—“Do not answer a fool according to his folly, lest you also be like him. Answer a fool according to his folly, lest he be wise in his own eyes.”

Tom Clark discusses Acts 7:60—“Then he knelt down and cried out with a loud voice, ‘Lord, do not charge them with this sin.' And when he had said this, he fell asleep.”

Welcome to this episode of 20/20 Money! My guest on today's show is Dr. Chris Wolfe, OD.   Chris joins me back on the show to talk about why it's important to be intentional about the business decisions you make in your practice and make those decisions based on data and a plan. We talk about this concept through the lens of schedule management and how to think about pre-appointing your patients within a practice, and it's in part based off some listener feedback that I received almost a year ago.     As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more.   And with that introduction, I hope you enjoy my conversation with Dr. Chris Wolfe, OD.   Resources: 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Practice Performance Partners   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Erik Jones discusses 1 Corinthians 14:33—“For God is not the author of confusion but of peace, as in all the churches of the saints.”

Dave Myers discusses Titus 1:2—“. . . in hope of eternal life which God, who cannot lie, promised before time began.”

David Johnson discusses Romans 1:28—“And even as they did not like to retain God in their knowledge, God gave them over to a debased mind, to do those things which are not fitting.”

Send us a textWe sincerely appreciate all the kind feedback we receive. Often it leads to a simple question, why do it? Join Pat and take a walk through the origin of The Learning Center and why Mara Poling is committed to multifamily real estate education.

Welcome to this episode of 20/20 Money! My guest on today's show is Kayla Ashlee.   Kayla joins me on the show to discuss how the communication cues (or miscues) that unknowingly are happening in your office can be both positively or negatively impacting your patient experience and thus influencing the buying decisions of your patients. She shared examples of good and not-so-good cues that can be happening across the patient journey—from the moment the patient comes into your office all the way through their optical buying experience. This was a very enjoyable and timely conversation given the relative proximity to the Frankenstein episode I did a couple of weeks ago, because as I said in that episode, one of the investments I would make in both myself and my team as early as possible is good sales and communication training...and this confirmation was an example of why it's so important.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more.   And with that introduction, I hope you enjoy my conversation with Kayla Ashlee.   Resources: 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Cues by Vanessa VanEdwards Spexy Stop the Walkouts Series 20/20 Frankenstein Episode ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Doug Horchak discusses Genesis 3:22-24—“Then the LORD God said, ‘Behold, the man has become like one of Us, to know good and evil. And now, lest he put out his hand and take also of the tree of life, and eat, and live forever'—therefore the LORD God sent him out of the garden of Eden to till the ground from which he was taken. So He drove out the man; and He placed cherubim at the east of the garden of Eden, and a flaming sword which turned every way, to guard the way to the tree of life.”

Cecil Maranville discusses Galatians 3:16—“Now to Abraham and his Seed were the promises made. He does not say, ‘And to seeds,' as of many, but as of one, ‘And to your Seed,' who is Christ.”

Clyde Kilough discusses Acts 2:1—“When the Day of Pentecost had fully come, they were all with one accord in one place.”

Welcome to this episode of 20/20 Money! My guest on today's show is Nathan Hayes with Books & Benchmarks and IDOC. On this show, Nathan and I RAGE!! That's right, we Rant Against Growth Excuses. We talk about the common headwinds, obstacles, and challenges that we both hear when talking with practice owners...and how to think about solving those issues by thinking differently about the challenges.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more.   And with that introduction, I hope you enjoy my conversation with Nathan Hayes.   Resources: IDOC Books & Benchmarks Link How to increase the multiplier in your practice value with Nathan Hayes How to use (and NOT use) benchmarks with Nathan Hayes Edging in-house vs outsourcing: the economics, trade-offs, and data an optometric practice needs to measure with Drs. Jennifer Stewart, OD & Sam Hornberger, OD Forget goal-setting and focus on purpose: a mindset conversation with Stephanie Bogan 10x Is Easier Than 2x: How World-Class Entrepreneurs Achieve More by Doing Less Extreme Ownership: How U.S. Navy SEALs Lead and Win 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Kendrick Diaz discusses 2 Corinthians 4:6—“For it is the God who commanded light to shine out of darkness, who has shone in our hearts to give the light of the knowledge of the glory of God in the face of Jesus Christ.”

David Johnson discusses Proverbs 29:2—“When the righteous are in authority, the people rejoice; but when a wicked man rules, the people groan.”

In this episode,  we hear from Alyssa (she/her), a Ph.D. candidate in Biology. Speaking with me from her fieldsite in Colombia, Alyssa shares her approach to writing across genres, working in collaboration, and finding the strategies that suit your writing process. Resources and material discussed:​​The Pomodoro Method/Technique – This productivity strategy is summarized uses a cycle of work and break time to avoid creating burnout. Learn more via UNC-Chapel Hill's Writing & Learning Center here. Explore OWRC's resources on starting your own writing group using our guide to social and independent writing.Learn more about UW's Sharepoint access here.R Markdown – A software that allows users to code and embed data within the document.Scrivener – Scrivener is an app designed with lengthy writing projects in mind. Learn more here.Audio transcript: Episode 1

Jim Franks discusses Ephesians 2:8-10, American Standard Version—“For by grace have ye been saved through faith; and that not of yourselves, it is the gift of God; not of works, that no man should glory. For we are his workmanship, created in Christ Jesus for good works, which God afore prepared that we should walk in them.”

The Legal Department discusses issues that arise when negotiating repair requests under home inspection contingencies. Click here to download the VAR Standard legal form: Home Inspection Contingency Addendum. Note: you must be logged into the VAR website to access our legal forms. https://virginiarealtors.org/law-ethics/standard-forms-library/ Need to ramp up your negotiating game? Discover your personal communication style AND how it shapes your business interactions with a new on-demand DISC course for just $100. You can find it now on our Learning Center website under on-demand courses, or click here to sign up: https://learn.virginiarealtors.org/products/disc-communication-strengthening-realtor-success-on-demand-course#tab-product_tab_overview

Welcome to this episode of 20/20 Money! This week's episode is the recording of my presentation at NSUOCO, titled "Top 10 Tips for (Financial) Success for Optometrists."   Over the course of the year, I'm privileged to present in front of a variety of optometry schools' private practice clubs and classes. The purpose of the presentation is to help ODs understand the ABCs and 123s of personal finance and how to better understand the business of optometry so that, upon graduation, they are able to make educated and informed decisions about their money. Given that the content and lessons are pretty evergreen, I thought this would be a good "refresher" episode for listeners of the show—young and "seasoned" alike. Even though you won't have the Powerpoint deck to follow along, I tried to present the content in a way that would transfer well to the podcast. Special shout out to my producer Kyle for working his magic with the audio as well as Corbin Lill, a student at NSUOCO, for having me. If you are either in school or connected to a school and would like me to do a similar presentation, please email me at podcast@integratedpwm.com.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more.   And with that introduction, I hope you enjoy my live presentation from NSUOCO.   Resources: 20/20 Money Membership Information OD Mastermind Interest Form   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Erik Jones discusses Luke 9:23—“If anyone desires to come after Me, let him deny himself, and take up his cross daily, and follow Me.”

Kendrick Diaz discusses Colossians 1:21-22—“And you, who once were alienated and enemies in your mind by wicked works, yet now He has reconciled in the body of His flesh through death, to present you holy, and blameless, and above reproach in His sight.”

Doug Horchak discusses Genesis 2:18—“And the LORD God said, ‘It is not good that man should be alone; I will make him a helper comparable to him.'”

Welcome to this episode of 20/20 Money! What would I do if I were starting an optometric practice from the ground up? A listener posed the question—and I went deep. In this episode, I walk through everything from choosing the right location (hint: geography is everything) to building the skills that matter most when you're just getting started. We cover:   Why defining your Ideal Patient Avatar (IPA) is mission-critical The underrated value of sales coaching and communication training Why I'd buy a small-town practice instead of cold-starting in suburbia The non-negotiables when assembling your professional advisory team   Whether you're dreaming about opening your own practice or wondering how you'd do it differently if you had a do-over, this episode is full of real-world insight and practical advice. As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.   Resources: 20/20 Money Membership Information OD Masterminds Request Form Tim Ferriss Fear Setting Jen Stewart from IDOC 2024   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Dave Myers discusses Revelation 1:19—“Write the things which you have seen, and the things which are, and the things which will take place after this.”

Jeremy Lallier discusses Micah 7:18-19—“Who is a God like You, pardoning iniquity and passing over the transgression of the remnant of His heritage? He does not retain His anger forever, because He delights in mercy. He will again have compassion on us, and will subdue our iniquities. You will cast all our sins into the depths of the sea.”

On this episode of Chamber Chat with Kate and Kat, we have another guest in the hot seat. Cliff Stukenholtz from the SCC Learning Center at Wahoo joined us and we learned so much about all the classes that anyone can take in downtown Wahoo. There is literally a class for everyone starting at age 8!Find out more here: https://www.southeast.edu/business-and-community/community/learning-centers/wahoo.php

David Johnson discusses Psalm 111:10—“The fear of the LORD is the beginning of wisdom; a good understanding have all those who do His commandments. His praise endures forever.”

Tube Feeding: When, Why and How with Dr. Marty Greer Dr. Marty Greer joins host Laura Reeves for a run down of when, why and how to tube feed neonates. New born puppies who can't or won't nurse for whatever reason may be fed with a tube passed directly to the stomach. “I just want people to know that dying of starvation is not an option at my house,” Greer said. “Different people have different thresholds and that's my threshold, is you are not going to die of starvation.” Marty and Laura walk through the “why”s of tube feeding, along with when to make that decision, what to do and what not to do. “Usually it's just for a few days,” Greer said, “sometimes a week or two until they catch on, start latching, start gaining and then they do great. But some dogs are slower than others and I see some puppies that are just really slow to grow. They may be half the size the littermates. And again, they may have swallowing defects. There is a lot of things that (can cause puppies not to nurse well.” Greer cautions that all puppies should be checked for cleft palate to rule out that as a cause for failure to thrive/nurse well. “Number one is pre warm the puppy. The puppy needs to be at least 96° on a rectal thermometer. Do not feed a cold puppy #2 is pre warm the formula. Number 3 is pre measure the tube. You measure the tube from the tip of the nose to the last rib. Have a marker or piece of tape, something that you mark on the tube so that you know exactly how far the tube has to be to go to the last rib because the stomach is behind the last rib. The trachea divides about halfway there, so if you're only in halfway, you could be in the trachea. If you're in all the way, you have to be in the stomach. “When you pass the tube, you keep the chin down and you pass to the left. A lot of people throw the puppy's head up and look in the back of the oral cavity. And if you do that, you open up the airway. So keep the chin down so that you close the airway, you pass it to the left because the esophagus is left of the trachea. So go to the left. “And then the most important thing before you feed is you pinch the puppy on the tail or the toes and make sure it can cry and you can hear it vocalizing. If the puppy can vocalize, you're in the esophagus. If the puppy can't vocalize You could be in the trachea, so pull out the tube, take a deep breath, go get a cup of coffee, come back and try passing the tube again. Those tips will keep you out of trouble 99% of the time. Is there a guarantee? Absolutely not. But I'm going to guarantee you that your puppies aren't going to thrive if they don't get enough calories.” Marty's video and more details on Revival Animal Health's Learning Center.

Welcome to this episode of 20/20 Money! In this episode, we tackle the confusion around key financial numbers in your optometric practice and why it's critical to have a common understanding of their definitions. From gross COLLECTED revenue, cost of goods sold, and net operating income, we explore the most important KPIs that influence your bottom line. Whether you're looking to grow, improve efficiency, or just understand your business better, this conversation will help you create a clearer, more actionable financial dashboard.   We dive into:   Why “collections” and “gross revenue” are not the same thing The 3-5 core numbers every practice owner should track consistently How to think about net income in your practice as both the clinician and the owner   Stop guessing. Start tracking what actually matters.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.   Resources: 20/20 Money Membership Information OD Masterminds Information Request   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!  

Jim Franks discusses 1 Corinthians 11:26—“For as often as you eat this bread and drink this cup, you proclaim the Lord's death till He comes.”

Jeremy Lallier discusses Lamentations 3:22-24—“Through the LORD's mercies we are not consumed, Because His compassions fail not. They are new every morning; Great is Your faithfulness. ‘The LORD is my portion,' says my soul, ‘Therefore I hope in Him!'”

Erik Jones discusses Proverbs 9:10—“The fear of the LORD is the beginning of wisdom, and the knowledge of the Holy One is understanding.”

Welcome to this episode of 20/20 Money! In today's episode, we're diving into the details of your tax return—beyond just whether you got a refund. We'll break down the difference between deductions and credits, how our tax brackets work, why you should focus on Line 24—your total tax paid—instead of Lines 34 or 37, and what Line 38 might be telling you about penalties and interest. We'll also highlight common areas for errors, clarify how the QBI deduction applies depending on your income level, and walk through important forms like Form 8960 for NIIT cancelation, Form 8889 for HSAs, and the health insurance deduction.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.   Resources: 20/20 Money Membership Information OD Masterminds Information Request 20/20 Episode #332 - Difference between Saving & Deferring Taxes Planning for the QBI (199A) Deduction in your practice Review of Optometric Business 199A Article   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Cecil Maranville discusses Daniel 11:40—“At the time of the end the king of the South shall attack him; and the king of the North shall come against him like a whirlwind, with chariots, horsemen, and with many ships; and he shall enter the countries, overwhelm them, and pass through.”This episode quotes from the following resources:“NIV Cultural Backgrounds Study Bible Notes,” Craig S. Keener and John H. Walton.“Expositor's Bible Commentary,” Frank E. Gaebelein and Gleason Archer, Jr.“The Bible Knowledge Commentary,” J. Dwight Pentecost.

A conversation with Racheli Luftglass, a passionate Judaic educator and Tanach scholar, about finding our spiritual role models within the Torah. Racheli shares her journey from struggling with Tanach as a student to falling in love with its stories and teachings, how the characters in Tanach guide her in everyday life, and how engaging deeply with biblical characters can transform the way we live. This discussion includes lessons from biblical characters like Yirmiyahu, Nechemiah, the daughters of Tzelofchad, Devorah, Batya, and Esther. Mrs. Racheli Luftglass is the Principal of Judaic Studies at YULA Girls High School and a kallah teacher. Before moving to the West Coast, she taught at The Frisch School in Paramus, NJ, in the Nach Department and in the Learning Center. At the OU Women's Initiative, Mrs. Luftglass has served as a Counting Toward Sinai Scholar-in-Residence, presented shiurim and taught “Yirmiyahu's Canon for Calamity” – an interactive in-depth course at the ALIT Virtual Summer Learning Program. She also taught Sefer Nechemia to over 5,000 women worldwide for Torat Imecha Nach Yomi. Mrs. Luftglass began her career at The Moriah School in Englewood, NJ, where she taught both mainstream and enrichment Judaic Studies classes as well as secular studies in the school's Gesher Yehuda Program. Mrs. Luftglass graduated from Yeshiva University's Stern College for Women with a B.A. in music and psychology and holds an M.A. from Columbia University's Teachers College with a concentration in Education of the Gifted and of the Learning Disabled. She has also completed coursework at Columbia University towards a doctorate degree in neuropsychology. Mrs. Luftglass lives in Los Angeles, CA with her husband and five children. To inquire about sponsorship & advertising opportunities, please email us at info@humanandholy.comTo support our work, visit humanandholy.com/sponsor.Find us on Instagram @humanandholy & subscribe to our channel to stay up to date on all our upcoming conversations ✨Human & Holy podcast is available on all podcast streaming platforms. New episodes every Sunday on Youtube, Spotify, Apple Podcasts, and Google Podcasts.TIMESTAMPS:0:00:00 - Sneak Peek 0:00:37 - Host's Introduction 0:02:10 - Welcome Racheli 0:04:06 - A Personal Passion for Tanach0:06:00 - The Lost Art of Letter Writing 0:06:54 - The Daughters of Tzelofchad0:09:15 - Which Characters Do You Currently Connect With? 0:10:25 - How It All Began: Racheli's Early Experiences with Tanach0:11:03 - Intertextuality in Tanach0:13:31 - What We Can Learn From Hashem's Vulnerable Moments 0:17:10 - Teaching as a Means of Mastery0:17:54 - Understanding the Prophets0:19:34 - Yirmiyahu: Survival and Identity in Exile0:27:22 - Roots and Branches: Continuity in Judaism0:28:01 - Inner Sense of Connection to Your Values0:30:19 - Finding Personal Guidance in Tanach0:32:11 - Devorah: An Unapologetic Voice0:40:29 - Recurring Themes in the Women in Tanach0:42:43 - I Am in a Dance With Hashem0:44:05 - When Hashem Says No 0:47:45 - Following Your Curiosity in Your Studies0:49:11 - Accessing Tanach 0:52:24 - Connecting Through Art and Personal Stories0:53:18 - Finding Personal Role Models Within Tanach0:53:59 - Lessons from Batya & Esther0:56:38 - Choosing Not to Become Bitter0:58:36 - Host's Outro

Dave Myers discusses Psalm 107:22—“Let them sacrifice the sacrifices of thanksgiving, and declare His works with rejoicing.”

I chat with Len Silverman—seasoned entrepreneur, longtime Learning Center owner, and author of Mesh: Aligning Your Personal Brand with Gen Z. With over 30 years of business experience and a front-row seat to Gen Z's development, Len offers expert insights into how businesses can attract, engage, and retain Gen Z employees. We explore what makes this generation tick, why traditional hiring practices fall short, and how aligning your company culture with Gen Z values can be a game-changer. If you're struggling to connect with the next generation of workers—or customers—this episode delivers the mindset and tools to bridge the gap. Today we discussed: [00:00] Opening [00:09] Introduction to Len Silverman [00:53] What is the Personal Brand of Gen Z [02:56] Common Stereotypes of Genz [04:16] The Old Ways Aren't Going to Work [06:39] The Employee Journey [08:35] Importance of Cultural Consistency [10:39] Changing Mindsets [12:44] Gen Z Customers [14:19] Common Mistakes Trying to Align with Gen Z [17:11] Turning Gen Z into A Players More About Len Silverman: Check out Len Silverman's Website: https://uptoelevenmarketing.com Connect with Len Silverman on LinkedIn: https://www.linkedin.com/in/up-to-eleven-len/ Read MESH: Aligning the Personal Brand of Gen Z with your Company Culture by Len Silverman: https://amzn.to/3DKURsC Rate, Review, & Follow If you liked this episode, please rate and review the show. Let us know what you loved most about the episode. Struggling with strategy? Unlock your free AI-powered prompts now and start building a winning strategy today!

This episode of the Uplevel Dairy Podcast, hosted by Peggy Coffeen, delves into the story of the McCarty family and the establishment of the Judy McCarty Learning Center. The episode features insights from Ken, Clay, Mike, and Tom McCarty as they honor Judy McCarty's impact on their family and the dairy industry. It includes a special recording of Judy McCarty from 2020 and highlights the family's commitment to sustainable dairy farming, education, and community engagement. The episode also discusses the McCarty family's move from Pennsylvania to Kansas and their focus on transparency and innovation in dairy farming, underscored by world-leading milking technology provided by sponsor De LaVal.00:00 Introduction to the Uplevel Dairy Podcast00:19 The McCarty Family Legacy00:30 Judy McCarty Learning Center: A Tribute00:39 Voices from the McCarty Family02:03 The Move to Kansas03:06 Sustainability and Innovation03:49 Roles within the McCarty Family04:57 Judy McCarty's Influence on Education06:22 The Purpose of the Learning Center07:31 Emotional Reflections08:58 Community Impact and Future Vision15:55 Modern Dairy Farming Practices19:20 The Mural: A Family Story20:58 Conclusion and Farewell

Welcome to this episode of 20/20 Money! My guest on today's show is Dr. Ted McElroy, OD. Ted and I share in a conversation that's on the heels of a 2 hour CE session I did at SECO 2025, which was titled The Art of Delegation. We talk through why practice owners get stuck on delegation, ways to think about becoming more comfortable delegating, the true cost of NOT delegating, and some NBSs for you to think about around this very important topic.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.   And with that introduction, I hope you enjoy my conversation with Dr. Ted McElroy, OD.   Resources: 20/20 Money Membership Information   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Britton Taylor discusses Philippians 4:13—“I can do all things through Christ who strengthens me.”

Kendrick Diaz discusses Acts 9:6—“So he, trembling and astonished, said, ‘Lord, what do You want me to do?'”

David Johnson discusses Proverbs 20:12—“The hearing ear and the seeing eye, the LORD has made them both” (Proverbs 20:12).

In this episode, we break down the common misconception that tax deferral is the same as tax savings—spoiler alert: it's not. We discuss how strategies like funding retirement plans, loss harvesting, and depreciation only push taxes into the future, while true tax savings come from tools like QCDs, business deductions, and Roth account growth. We explore when deferring taxes makes sense, and when it might actually cost you more in the long run.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.   Resources: 20/20 Money Membership Information OD Masterminds Information Request The Augusta Rule 20/20 Money Episode #319 – Year-End Tax Planning Concepts & Strategies to Minimize Tax Stress with JR Armstrong, CPA   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Jeremy Lallier discusses Isaiah 55:1—“Ho! Everyone who thirsts, come to the waters; and you who have no money, come, buy and eat. Yes, come, buy wine and milk without money and without price.”

"Golf With Jay Delsing" features Jeffrey Schulte, a PGA Master Professional Club Fitter, and Adam Betz from Family Golf and Learning Center. Also, the guys will go over the latest news and notes from around the world of golf.