Podcasts about lessons

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mela Lovett CEO of Family Lawn Services, a residential and commercial landscaping company. Also a serial entrepreneur, mortgage lender, and business consultant. Based in Georgia, with a mission to build generational wealth and educate others on business structure.

Anthony Kaldellis is a historian of the Roman Empire and author of “The New Roman Empire”, a comprehensive history of the Byzantine Empire (Eastern Roman Empire). Thank you for listening ❤ Check out our sponsors: https://lexfridman.com/sponsors/ep498-sc See below for timestamps, transcript, and to give feedback, submit questions, contact Lex, etc. Transcript: https://lexfridman.com/anthony-kaldellis-transcript CONTACT LEX: Feedback – give feedback to Lex: https://lexfridman.com/survey AMA – submit questions, videos or call-in: https://lexfridman.com/ama Hiring – join our team: https://lexfridman.com/hiring Other – other ways to get in touch: https://lexfridman.com/contact EPISODE LINKS: Anthony’s Books: https://amzn.to/49AX7Q1 Anthony’s Publications: https://kaldellispublications.weebly.com Anthony’s University of Chicago page: https://classics.uchicago.edu/people/anthony-kaldellis The New Roman Empire (book): https://amzn.to/3PTFTqk Streams of Gold (book): https://amzn.to/4fgRMRq Byzantium & Friends Podcast: https://byzantiumandfriends.podbean.com/ The History of Byzantium Podcast: https://thehistoryofbyzantium.com/ SPONSORS: To support this podcast, check out our sponsors & get discounts: Upwork: Platform for hiring freelancers. Go to https://upwork.com/lex Fin: AI agent for customer service. Go to https://fin.ai/lex BetterHelp: Online therapy and counseling. Go to https://betterhelp.com/lex LMNT: Zero-sugar electrolyte drink mix. Go to https://drinkLMNT.com/lex Shopify: Sell stuff online. Go to https://shopify.com/lex Perplexity: AI-powered answer engine. Go to https://perplexity.ai/ OUTLINE: (00:00) – Introduction (00:11) – Sponsors, Comments, and Reflections (08:45) – The Roman Empire and the Byzantine Empire (12:42) – 2,200 Years of Roman History (33:06) – Power, violence, and civil war (54:20) – Edict of Caracalla (1:07:17) – Crisis of the Third Century (1:21:45) – Constantine and the new Roman Empire (1:33:46) – Christianity in the Roman Empire (1:59:14) – Fall of the Western Roman Empire (2:12:11) – Eunuchs, Taxes, and Power (2:37:17) – Emperor Justinian and wars of conquest (2:54:19) – The Arab conquests (3:13:55) – Why the Roman empire survived so long (3:40:01) – Lessons from history PODCAST LINKS: – Podcast Website: https://lexfridman.com/podcast – Apple Podcasts: https://apple.co/2lwqZIr – Spotify: https://spoti.fi/2nEwCF8 – RSS: https://lexfridman.com/feed/podcast/ – Podcast Playlist: https://www.youtube.com/playlist?list=PLrAXtmErZgOdP_8GztsuKi9nrraNbKKp4 – Clips Channel: https://www.youtube.com/lexclips

“In life, you have to do the things that scare you.” Kam Patterson Kam Patterson, comedian and Hollywood star, sits down with Ryan, Channing and Fred for an honest conversation about his metaphoric rise in comedy and the lessons that shaped him along the way. Kam opens up about growing up, finding his voice through stand-up, and the invaluable advice his father gave him that continues to guide his life and career. He reflects on the mistakes he's made, the pressure that comes with sudden success, and the challenges of staying authentic while navigating the entertainment industry. The conversation dives into Kam's breakout moments on Kill Tony, his experiences around Saturday Night Live, and the challenges he faced trying to adapt his comedic style to formats like Weekend Update. He shares how those struggles pushed him to grow as a performer and better understand his voice as a comedian. Despite recent backlash his mentor Tony Hinchcliffe has received from the black community, Kam shares a different side of working with the comedian who he credits for changing his life in ways he can't explain.   Kam also discusses making the leap into acting and what it's been like working alongside Kevin Hart on his upcoming movie, offering a behind-the-scenes look at the opportunities and responsibilities that come with expansion, discussing the transition from stand-up stages to the big screen. Filled with humor, honesty, and insight, this episode is a powerful conversation about resilience, self-belief, embracing challenges, and trusting the process even when the path forward isn't always clear. From family and failure to fame and finding purpose, Kam delivers a candid, hilarious, and inspiring look at the journey behind one of comedy's fastest-rising stars. This is a conversation about perseverance, growth, and betting on yourself when nobody else sees the vision. Learn more about your ad choices. Visit megaphone.fm/adchoices

Donate (no account necessary) | Subscribe (account required) Bryan's Op Ed on Dem Communists (Click Here) Join Bryan Dean Wright, former CIA Operations Officer, as he covers today's top stories shaping America and the world. In this episode of The Wright Report, Bryan breaks down a major Supreme Court ruling giving Presidents broad authority to fire agency appointees, plus a separate ruling on the Federal Reserve and a surprising decision allowing late-arriving mail-in ballots to be counted. Bryan also tackles a growing panic on Wall Street as New York's wealthy realize they have no real plan to stop the rise of Communist Democrats in Gotham, and he gives his blunt take on why it is too late to reverse the trend. From there, Bryan covers new developments in Iran, including a Pentagon database failure now blamed for the deadly strike on a girls school during Operation Epic Fury, and a vigilante known as "Mexican Batman" taking justice into his own hands against cartel-linked criminals. Plus, the US deepens its Pacific strategy with new underwater drones for the Philippines and a major deal pulling Vanuatu back from China's orbit, China's AI models close the gap with American systems, and Ford rehires veteran engineers after learning AI cannot fully replace human judgment. "And you shall know the truth, and the truth shall make you free." - John 8:32   Keywords: Bryan Dean Wright, The Wright Report, Supreme Court ruling, Humphrey's Executor, Federal Reserve, Lisa Cook, mail-in ballots, Amy Coney Barrett, John Roberts, SAVE America Act, Zohran Mamdani, Communist Democrats, NYC Wall Street panic, Daria-liza Avila Chevalier, Dan Goldman, Scott Wiener, Iran nuclear talks, Doha Qatar, Strait of Hormuz, Operation Epic Fury girls school strike, Pentagon targeting failure, Mexican Batman, vigilante justice, Cartel corruption, Sheinbaum, Battle for the Pacific, Philippines underwater drones, Vanuatu China debt trap, Australia Vanuatu deal, China AI Z Dot, Anthropic Mythos, Ford rehiring engineers, AI Revolution

All Scripture was written for our admonition and learning (1 Cor. 10:11 and Rom. 15:4). Join Andrew Wommack as he explores the life of David, a man after God's own heart (1 Sam. 13:14). Learn lessons from David's life that you can apply directly to your own.

Our heroes face gargoyles and magic plants as they attempt to climb the tallest tower in the city! Can Ignis the Fire Sorcerer, Scuggy the Armadillo Magineer, Claude the Leafbat Sidekick, and the painted superhero known as Knight Wing reach the top in one piece? Lessons include: Listening and creative thinking are more effective than fighting. This week, we play G&G with actor and tutor Dante Balletti, the voice actor behind Dorktales Storytime Podcast, Jonathan Cormur, and the head writer for Dorktales, Molly Murphy! Molly Murphy is the head writer for Dorktales, and you can reach them for all your writing needs at: mkmurphycreative@gmail.com Jonathan Cormur is a professional voice actor and you can hear many of his amazing voices on the Dorktales Storytime Podcast: jonincharacter.com/dorktales-storytime-podcast Dante Balletti tutors middle and high school students on Zoom for test prep and academic support. Grown-ups can email danteabelletti@gmail.com to learn more! This story is part of a Guilds & Goblins adventure, where What If World guests play an original tabletop RPG for kids and families. Real-life dice rolls, usually with a 20-sided die, help us tell the story, along with your questions! Part 1 of this series was episode 398. Look for G&G or Cryptid Kids episodes if you want to hear more.  Subscribe, Support the show, and get our Yoto Cards! Want more kids podcasts for the whole family? Grown-ups, subscribe to Starglow+ here. Learn more about Starglow Media here. Follow Starglow on Instagram and YouTube Share questions with a grownup's help via email: hello@whatifworldpodcast.com or voicemail: 205-605-WHAT (9428) Eric and  Karen O'Keeffe make  What If World. Our producer is  Miss Lynn. Character art by  Ana Stretcu, episode art by  Lynn Hickernell, podcast art by  Jason O'Keefe, and theme song by  Craig Martinson.

For all the Trumpian chaos in Latin America, no other developing-world regional economy has done so well in the past year. We examine the Donroe dividend. The cost to make jollof rice, a staple dish in Nigeria and Ghana, is a window into the countries' economies. And the BBC waves goodbye to its long-wave radio service.Guests and host:Cerian Richmond-Jones, international economics correspondentỌrẹ Ogunbiyi, Africa correspondentBo Franklin, senior editorRosie Blau, co-host of “The Intelligence”Jason Palmer, co-host of “The Intelligence”Topics covered: Latin America, Donroe doctrine, miningNigeria, Ghana, cost of living, jollof riceBBC, long-wave radioGet a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.

For all the Trumpian chaos in Latin America, no other developing-world regional economy has done so well in the past year. We examine the Donroe dividend. The cost to make jollof rice, a staple dish in Nigeria and Ghana, is a window into the countries' economies. And the BBC waves goodbye to its long-wave radio service.Guests and host:Cerian Richmond-Jones, international economics correspondentỌrẹ Ogunbiyi, Africa correspondentBo Franklin, senior editorRosie Blau, co-host of “The Intelligence”Jason Palmer, co-host of “The Intelligence”Topics covered: Latin America, Donroe doctrine, miningNigeria, Ghana, cost of living, jollof riceBBC, long-wave radioGet a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.

Mother of two, Joanna Simpson, was brutally killed by her estranged husband, British Airways pilot Robert Brown, on 31 October 2010. Brown smuggled a claw hammer in to Joanna's home and bludgeoned her to death before burying her body in a pre-dug grave. Despite this, Brown was acquitted of murder and convicted of manslaughter. He would serve just 13 years before becoming eligible for automatic release.    Laura's forensic analysis of Joanna's case, together with Joanna's extraordinary mother, Diana Parkes CBE, and best friend, Hetti Barkworth-Nanton CBE, ignited a grassroots movement that successfully prevented Brown's automatic release.    But that was not the end. Brown was eligible for parole again in April 2026. Listen as Diana shares the all-important details of what happened at the Parole Board meeting – you won't believe your ears.    In this episode, Laura and Di discuss:  The behind the scenes of the parole board process;  The emotional impact on Joanna's family and loved ones;  The Parole Board hearing – what the professionals recommended and the decision;  Further insights into Robert Brown's psychopathology;  Lessons for professionals assessing coercive control, stalking and domestic abuse;  The continuing work of the Joanna Simpson Foundation, and;  Joanna's enduring legacy and why the fight for justice continues.  If you haven't already listened to Laura's landmark Joanna Simpson series, start here: https://www.crime-analyst.com/case-004-joanna-simpson-a-miscarriage-of-justice/  #JoannaSimpson #HerNameWasJoSimpson #RobertBrown #BritishAirwaysKiller #CoerciveControl #Stalking #PreventMurderInSlowMotionä #WomenMatter #ChildrenMatter #DomesticAbuse #MaleViolence #CrimeAnalyst #Expert #Analysis #Behaviour #TrueCrime #Podcast #Crime #DomesticHomicide #NotAnotherJo    Clips   https://fb.watch/HV64mwbGDL/    Sources  View the Judicial Review  Crime Analyst Episodes on Joanna Simpson's case:  Ep 105: Joanna Simpson: A Miscarriage of Justice, Part 1  Ep 107: Joanna Simpson: A Miscarriage of Justice, Part 2  Ep 110: How to Save a Life with Hetti Nanton, Part 3  Ep 111: Reflections of Joanna Simpson, Part 4  The Case of Joanna Simpson: the British Airways killer who must stay behind bars  The Case of Joanna Simpson: killer pilot Robert Brown planned every detail of killing Jo  Ep 189: The British Airways Killer to Remain in Prison: The Judicial Review, Part 5    SIGN the petition for serial domestic abusers and stalkers to be on the same register as sex offenders and ensure they are proactively assessed and monitored.    https://www.jsfoundation.org.uk/  https://refuge.org.uk/    Thank You to the Crime Analyst Sponsors Who Make the Show Possible. Support The Show Through the Sponsors:   Amplify your spring look with Thrive Causemetics. Go to thrivecausemetics.com/ANALYSTS for an exclusive offer of 20% off your first order.   Go to Quince.com/crimeanalyst for free shipping on your order and 365-day returns.    Go to Amazon or physicianschoice.com and use code PCPODCAST10 for 10% off your entire order, PCPODCAST10 for 10% off.    Laura's Resources and Training information: www.dashriskchecklist.com    www.thelaurarichards.com     Crime Analyst YouTube, Socials and Website     YouTube @crimeanalyst      Facebook Crime Analyst Podcast     Instagram @crimeanalyst @laurarichards999     Threads @crimeanalyst     X @thecrimeanalyst @laurarichards999      TikTok @crimeanalystpod     Website www.crime-analyst.com      Leave a 5* Review https://www.crime-analyst.com/reviews/new/    Learn more about your ad choices. Visit podcastchoices.com/adchoices

All Scripture was written for our admonition and learning (1 Cor. 10:11 and Rom. 15:4). Join Andrew Wommack as he explores the life of David, a man after God's own heart (1 Sam. 13:14). Learn lessons from David's life that you can apply directly to your own.

Glenn engages in a thought-provoking discussion with constitutional law professor Corey Brettschneider. They delve into the critical themes of democracy, accountability, and the historical context of presidential power as outlined in Brettschneider's latest book, The Presidents and the People: Five Leaders Who Threaten Democracy and the Citizens Who Fought to Defend It. The conversation highlights the parallels between past and present leaders, the importance of civic engagement, and the ongoing fight for justice in America.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Waiting is one of the hardest parts of following Jesus—but it's also one of the places where God does His deepest work. In this episode of our Fruit of the Spirit series, we're talking about patience—not as passive waiting, but as active trust in God's perfect timing. Whether you're waiting for healing, a relationship, answered prayers, direction, or a breakthrough, this conversation is for you. We'll walk through what biblical patience really means, why waiting can feel so difficult, and how God used seasons of waiting to shape some of the most influential people in Scripture—including Abraham, Joseph, David, Moses, Hannah, Job, and even Jesus. If you've ever wondered why God seems silent or why His timing doesn't match yours, I pray this episode encourages you to trust that He is still working—even when you can't see it. Because waiting on God is never wasted. In This Episode: What the Fruit of the Spirit teaches about patience The biblical meaning of patience (makrothymia) Why God often grows us through waiting What impatience reveals about our hearts Lessons from Abraham, Joseph, David, Moses, Hannah, Job, and Jesus How to grow in patience during difficult seasons Encouragement for anyone waiting on God today Key Scriptures: Galatians 5:22–23 James 1:2–4 Romans 5:3–5 Romans 8:25 Isaiah 40:31 Psalm 27:14 Lamentations 3:25–26 Hebrews 6:15 Ephesians 4:2 Colossians 3:12 Psalm 37:7 2 Peter 3:9 If this episode encouraged you, be sure to share it with a friend who may be in a season of waiting. And if you're enjoying our Fruit of the Spirit series, we'd love for you to subscribe, leave a review, and join us next week as we continue learning what it looks like to live by the Spirit.

All Scripture was written for our admonition and learning (1 Cor. 10:11 and Rom. 15:4). Join Andrew Wommack as he explores the life of David, a man after God's own heart (1 Sam. 13:14). Learn lessons from David's life that you can apply directly to your own.

Today's guest is Ben Carlson of Ritholtz Wealth Management, author of A Wealth of Common Sense and host of the Animal Spirits podcast. In today's episode, Ben unpacks the counterintuitive math behind long term investing. He reveals that picking the wrong asset every year still makes money, that the average up year tops 20%, and that stocks grow less volatile than bonds the longer you hold. To close, Ben explains why patience has never been harder. (0:00) Starts (2:05) Ben Carlson on the secret to investing (5:00) The worst investor ever (15:20) Tax management as new alpha (17:12) Inflation's impact on asset classes (21:06) "Now do Japan" (33:02) Lessons from bear markets (41:54) Discretionary investing challenges (46:31) Poor performance of hyperactive traders ----- Sponsor: ⁠⁠Ivy Invest⁠ ⁠- To learn more about Ivy Invest's SEC-registered endowment-style fund, view the prospectus, and learn how to invest, visit⁠ ⁠ivyinvest.co/fund ----- Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Follow The Idea Farm: X | LinkedIn | Instagram | TikTok ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  ----- Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you achieve financial independence and design a life of freedom?In the first episode of the Build Series, Sam Marks sits down with entrepreneur, investor, and digital nomad Johnny FD to discuss his journey from building online businesses to achieving financial independence and retiring before 40.Johnny shares the strategies, investments, mistakes, and mindset shifts that allowed him to create a life where work became optional. The conversation explores entrepreneurship, passive income, investing, travel, lifestyle design, and what financial freedom actually looks like once you achieve it.Topics discussed:• Johnny's path to financial independence• Building online businesses and creating income streams• The role of investing and passive income• Lessons learned from entrepreneurship• Mistakes and setbacks along the journey• What life looks like after achieving financial freedom• Travel, lifestyle design, and location independence• Advice for anyone starting their own journey todayThe Build Series is a new podcast from Invest Like a Boss focused on entrepreneurship, investing, technology, health, and building an exceptional life.Subscribe for future conversations with founders, investors, operators, creators, and builders from around the world.Connect with Johnny FD:YouTube: @JohnnyFDWebsite: johnnyfd.comConnect with Sam Marks:Instagram: @sammarks12Podcast: Invest Like a Boss#FinancialFreedom #FinancialIndependence #BuildSeries

Thanks to Precision Fuel & Hydration for sponsoring this video! Get 15% off your first order at: http://visit.pfandh.com/extramilestshow   Ian Sharman improved his marathon time from a 3:40 to a 2:21 at age 43. He has completed over 250 marathons and ultramarathons. He shares the simple training shifts for his biggest breakthroughs and the mindset behind long-term improvement. Watch the full video on YouTube     Topics covered: 00:00 — Ian Sharman's biggest running lessons 01:55 — Precision Fuel & Hydration Sponsor 02:47 — Consistency beats heroic workouts 09:31 — Why runners struggle with consistency 11:26 — Flexibility vs rigid training plans 12:45 — Should you make up missed runs? 15:57 — PB Running Coaching Program 16:26 — Balancing running with family & life 19:24 — The purpose behind every run 22:08 — Ian's 2 :32 marathon breakthrough 25:40 — What is flow running? 31:02 — The three phases of every race 36:47 — The power of hiking in ultrarunning 43:04 — Why your slowest mile matters most 45:39 — Ian's biggest race mistakes & Boston 2018 51:44 — How aging changes your training 56:45 — Do you really need long training runs? 1:02:55 — Road runner's guide to trail running 1:08:15 — Pain vs suffering 1:17:09 — What 100 miles does to your body 1:19:55 — Heat training for ultrarunners 1:24:22 — The core message of The Art of Ultrarunning 1:25:37 — Where to find Ian Sharman and his book 1:27:58 — Closing thoughts   Affiliate Disclosure: I may earn commissions if you purchase items via my affiliate links. "As an Amazon Associate I earn from qualifying purchases." Affiliate links do not increase cost to you. Also, you do not need to use these links. You can also search for these same items in Amazon or on any search engine/shopping site of your choice and buy/research them that way.  FIND IAN SHARMAN: ► WEBSITE: https://www.sharmanultra.com ► INSTAGRAM: https://www.instagram.com/sharmanian ► FACEBOOK: https://www.facebook.com/sharmanian ► X: https://x.com/sharmanian LINKS & TOOLS MENTIONED ► My Personal Best Running Coaching Program: https://www.pbprogram.com ► Precision Fuel and Hydration (Get 15% off your first order): https://visit.pfandh.com/extramilestshow  ► Buy my new book Running Breakthroughs: https://geni.us/running-breakthroughs    ► The Art of Ultrarunning book: https://amzn.to/4vsNV97  YOU CAN FIND ME, FLORIS GIERMAN HERE:  ► Podcast: https://extramilest.com/podcast ► Strava: https://www.strava.com/athletes/1329785    ► Instagram: https://www.instagram.com/florisgierman ► Extramilest Website: https://extramilest.com   ► Path Projects Website: https://pathprojects.com ABOUT THE EXTRAMILEST SHOW: A podcast and YouTube channel where host Floris Gierman interviews world class athletes, coaches and health experts on the topic of how to become a stronger, healthier and happier athlete. More info about our running coaching program can be found at https://www.skool.com/personalbest.  Subscribe and hit the bell to see new videos: https://bit.ly/Flo-YT   #Ultrarunning #MarathonTraining #TrailRunning #RunningTips

Steve Sims was an entrepreneur, speaker, author, and founder of the luxury concierge company Bluefish, a business that became famous for creating extraordinary experiences for some of the world's wealthiest and most influential people. Dubbed "The Real-Life Wizard of Oz" by Forbes, Steve built a career around making the impossible possible—from arranging private dinners beneath historic landmarks to creating James Bond-style adventures for clients. In this heartfelt episode, Travis reflects on Steve's legacy following his recent passing and shares some of the most impactful lessons he learned from their friendship and conversations over the years. On this episode we talk about: Why pursuing "stupid" goals can unlock extraordinary opportunities The connection between passion, authenticity, and personal magnetism The importance of solitude and self-reflection for entrepreneurs Building genuine relationships instead of transactional connections Why criticism and ridicule are often signs you're heading in the right direction Top 3 Takeaways Big, seemingly unrealistic goals force you to think differently and create opportunities that smaller goals never will. Sometimes the fastest path to growth is aiming for something that sounds impossible. When you're genuinely energized by your work, people notice. Passion isn't just fulfilling—it's magnetic and can attract the right clients, partners, and opportunities. The strongest relationships are built on mutual value, trust, and long-term investment. Connections may open doors, but real relationships create lasting impact. Notable Quotes "Stupid goals are the strategy." "When you love what you're doing, you're more magnetic." "They'll always laugh at you just before they applaud." A Word from Our Sponsors: Today's episode is brought to you by our incredible sponsors. Their support allows us to continue bringing you conversations and lessons from some of the world's most successful entrepreneurs, creators, and thought leaders. Be sure to check out the sponsor links in the episode description and support the companies that help make this show possible. - Are you ready to start your own creatorjourney and make it big? Visitwww.fanvue.com today and launch yourcareer! - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you know whether your retirement plan is on track, or are you simply hoping it is? Whether retirement is years away or just around the corner, it's wise to pause and take a closer look at your plan today. A retirement checkup can help you know where you stand, identify potential gaps, and make adjustments before small issues become major problems. Many people know they should be saving, but they're less certain whether they're saving enough. That's where a thoughtful review can bring clarity—not just about the numbers, but about faithful stewardship in the season ahead. Know Your Retirement Savings Target No single rule of thumb fits everyone. Your retirement goal depends on many factors, including when you retire, how long you live, your lifestyle, your health, your generosity goals, and whether you'll have income from Social Security, a pension, rental property, or part-time work. Still, benchmarks can be helpful. As a starting point, one common guideline is to aim for about 10-12 times your income by age 67. The point isn't to become discouraged if you're behind. The point is to know where you stand. Once you have a clearer picture, you can make wise adjustments. Know Your Retirement Spending Number Your spending number may be even more important than your savings balance. A million dollars can be plenty for one household and not nearly enough for another because spending determines how much income your portfolio must produce. Start with your current budget, then consider what may change in retirement. Will your mortgage be paid off? Will travel increase? Will transportation costs go down? Will you support adult children or aging parents? Will you downsize, relocate, or stay where you are? Those questions help you see not only what retirement may cost, but also what kind of stewardship this next season may require. Have a Withdrawal Plan It's also important to think carefully about how much you'll withdraw from your savings each year. A common guideline has been the 4% rule, first developed by financial planner William Bengen. He has since updated his research, suggesting the number may be closer to 4.7% with a more diversified portfolio. Fidelity describes it more broadly as a 4%-5% sustainable withdrawal range. So, if you retire with $500,000, you might begin by withdrawing around $20,000 to $25,000 in the first year, then adjust over time. Of course, this is not a guarantee, and it does not mean you'll never touch the principal. Your actual withdrawal rate should depend on your age, health, investment mix, inflation, market conditions, and whether your essential expenses are covered by guaranteed income. The danger is assuming you can withdraw 8%, 10%, or even 12% from your portfolio every year without consequences. For most retirees, that's not a plan. It's a countdown. Prepare for Health Care Costs Medicare is a blessing, but it doesn't cover everything. Retirees may still face premiums, deductibles, co-pays, prescription costs, dental care, vision care, hearing expenses, and more. Long-term care is a separate issue altogether. Recent estimates suggest that a 65-year-old retiring today may need well over $170,000 for health care costs throughout retirement—and that does not include long-term care. For a married couple, health care becomes a major planning item. That's why it's important to prepare in advance and not assume Medicare will cover every need. Understand Social Security For many retirees, Social Security will be one of the largest sources of guaranteed income. You can claim benefits as early as age 62, but doing so can permanently reduce your monthly benefit by as much as 30%. Delaying past full retirement age until age 70 can increase your benefit by 8% for each full year you wait—up to 24% if your full retirement age is 67. Of course, delaying is not always the right answer. Health, family history, income needs, marital status, and work plans all matter. But because this is often a permanent decision, it's worth looking carefully before you claim. Review Your Investment Allocation As you approach retirement, your portfolio may need to become more conservative. But that doesn't mean moving everything to cash. Retirement may last 20 or 30 years, and inflation can quietly erode your purchasing power over time. A wise allocation should balance the need for stability with the need for continued growth. This is one area where trusted counsel can be especially helpful. A Certified Kingdom Advisor® (CKA®) can help you think through your investments, income needs, and long-term stewardship goals through a biblical lens. Retirement Is Not the End of Stewardship Finally, remember that retirement is not the end of stewardship. Psalm 92 says of the righteous, “They still bear fruit in old age; they are ever full of sap and green” (Psalm 92:14). That's a richer vision than simply withdrawing from work and responsibility. Retirement is not about drifting. It's about faithfulness in a new season. So yes, check the numbers. Know your savings target. Build a realistic spending plan. Prepare for health care. Understand Social Security. Review your investments. But also ask, “Lord, what fruit do You want to grow in this season of my life?” If you'd like help reviewing your retirement plan with an advisor who shares your biblical values, visit FindACKA.com to connect with a Certified Kingdom Advisor® (CKA®). On Today's Program, Rob Answers Listener Questions: I've worked at qualifying universities for nearly 10 years under Public Service Loan Forgiveness, but deferments and forbearances kept me from reaching 120 qualifying payments. I now qualify for the buyback program and could pay for about 15–17 missed months to reach forgiveness sooner. Should I do the buyback now or keep making regular payments until I reach 120? I have a home equity loan at 6% with a $32,000 balance and eight years left, and a car loan at 6.09% with a $35,000 balance and six years left. Which should I focus on paying off first? My job is ending soon, and I have only a small amount saved for retirement. I'm about to receive a $16,000 settlement. Given my situation, how should I use or invest that money? I've been with my local bank since 1996, but it's been bought out three times. How do I know when it's time to switch banks, and what should I look for in a new one? I'm turning 73 this August and will need to begin taking RMDs from my IRA based on the end-of-year 2025 balance. I'd like to use Qualified Charitable Distributions to reduce taxable income. When should I make the QCDs so they count toward my RMD? I'm trying to understand fixed indexed annuities. Are they a good option, and what should I consider before using one as an investment? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors 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 weekday 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.

Show Notes- Joe Azzopardi joins us to discuss his exciting role in Netflix's highly anticipated Enola Holmes 3, premiering July 1, 2026. Joe shares his journey from Malta to the international stage and screen, his experience working alongside stars like Millie Bobby Brown, Helena Bonham Carter, and Henry Cavill, and what audiences can expect from his mysterious new character, Mikiel Mizzi. We also dive into his work in Jurassic World: Dominion, The Boat, Shakespearean theater, and how adventure and outdoor pursuits influence his approach to acting. In this episode: • Landing a role in Enola Holmes 3 • Bringing Malta to a global audience • Working alongside Hollywood's biggest stars • Lessons from blockbuster films and theater • The challenges of carrying a one-man film • Adventure, creativity, and performance • Future projects including Xelter Watch Enola Holmes 3 on Netflix beginning July 1, 2026. Takeaways Confidence and clarity at a young age can propel an acting career. Working with talented filmmakers enhances the acting experience. Cultural background can add depth to character portrayal. Preparation and research are crucial for historical roles. Ambition to perform Shakespearean roles reflects a desire for artistic growth.   Sound Bites "I always just wanted to be an actor." "This film is a coming together of England and Malta." "Working with phenomenal actors and filmmakers was incredible." Chapters 00:00 Introduction to Joe Azzopardi 00:56 Career Highlights and Upcoming Projects 02:47 Introduction to Joe Azzapardi 02:54 Journey from Malta to International Recognition 04:49 The Realization of Acting as a Career 06:09 Excitement for Enola Holmes 3 07:53 Character Insights: Mikael Mitzi 09:09 Aspirations for Future Roles 10:02 Podcast Outro.mp3   Resources Enola Holmes 3 on Netflix Mountview Academy of Theatre Arts Shakespeare's Play

Many believers today struggle with exhaustion, overcommitment, or pressure. In those moments, it's essential to lean on God's mercy and wisdom. In this message from his series on Philippians "New Every Morning," Pastor Bayless dives into the story of how Epaphroditus "was sick almost to death, but God had mercy on him." You'll learn how reckless overwork can leave you exhausted, why caring for your body matters, and how you can rest in the promise that God's mercies are new every morning. Let God's mercy, rest, and strength meet you right where you are in this refreshing message!  

SummaryIn this episode, we explore the importance of guarding our hearts, inspired by Proverbs 4:23 and the life of Solomon. Learn how daily self-examination, humility, and prioritizing faith can help us stay devoted to what truly matters.Chapters00:00 Introduction: The importance of guarding your heart00:26 Solomon's wisdom and tragic neglect of his heart00:55 The danger of ignoring heart guardrails01:26 Self-examination and testing your faith02:24 Humility, repentance, and accountability in spiritual growth03:19 Lessons from David and Solomon's contrasting paths04:16 Who gets the final say in difficult decisions?04:44 Priorities: Building vs. protecting your heart05:14 The danger of neglecting the heart amidst success06:12 Your biggest project: guarding your heartConnect with Me! Newsletter and Podcasts: https://icandopodcast.comBlogs: https://benjaminlee.blogBooks: https://benjaminlee.blog/books-2/Apparel: https://benjaminlee.blog/resources/#!/Youtube: https://youtube.com/@icandopodcast?si=h9-JkT27jwynZZ-X

Hosted by Mike Guidone and Chris Caputo , the guys begin the show by welcoming former New York Knicks guard Charlie Ward, who shared insights about his time with the Knicks during their championship run and his current role as head coach at Florida A&M. The conversation highlighted the significance of teamwork and character in achieving success on the court.Next, sportswriter Ken Davidoff joined the show to discuss his book, 101 Lessons from the Dugout, exploring life lessons from baseball and softball.Mike and Chris wrapped things up talking with college basketball coach Tom Crean, who reflected on the NBA draft and the promising future of his former player, OG Anunoby. Takeaways:Charlie Ward shared his experiences as a former NBA player and current coach, reflecting on the Knicks' championship run and the team's connection to New York.Ken Davidoff discussed his book, '101 Lessons from the Dugout', emphasizing how lessons from baseball and softball can apply to life.The show featured Tom Crean, who highlighted OG Anunoby's growth and potential as a player, particularly during the Knicks' playoff success.The hosts and guests reminisced about the significance of the Knicks' championship for the city of New York, celebrating the team's history and achievements.Discussion included the challenges teams face in playoffs, with insights from Charlie Ward about team dynamics and leadership during critical moments.The episode closed with a reflection on the unique atmosphere of playing in Madison Square Garden, especially during playoff games.

Chabad Chassidus is an all-embracing world outlook and way of life which sees the Jew's central purpose as a unifying link between the Creator and His world. Written by the Alter Rebbe, the founder of Chabad, Tanya is the central text of Chabad Chassidus. It shows the reader a path to realizing their purpose and developing a deeper relationship with G-d. Choose from one of the two formats available: through Lessons in Tanya - a profound and clear explanation of the Alter Rebbe's writings, or through an audio class.

In this special HITEC edition of The Modern Hotelier, hosts David Millili and Steve Carran sit down with Apaleo co-founder Philip von Ditfurth and SVP Revenue Florian Montag to explore the future of hospitality technology, AI, and open platform architecture.The conversation dives into why Apaleo chose a composable, API-first approach long before it became an industry trend, how leading hotel brands are leveraging technology to improve both guest experiences and operational efficiency, and what hoteliers need to do today to prepare for the rise of agentic AI.Philip shares lessons learned from building technology platforms across fragmented industries, while Florian offers a hotelier's perspective on AI adoption, governance, and the importance of creating a future-ready technology foundation. Together, they discuss why flexibility, open infrastructure, and strategic technology decisions will define the next generation of successful hotel operators.Key Topics Include: The power of open APIs and composable hospitality technology  Why AI readiness starts with the right technology foundation  Lessons from innovative hotel brands like citizenM Building a future-proof hotel tech stack  The balance between guest experience and operational efficiency Watch the FULL EPISODE on YouTube: https://youtu.be/uBwm8n1ExM8Links:Philip on LinkedIn: https://www.linkedin.com/in/philip-von-ditfurth-1a570/ Florian on LinkedIn: https://www.linkedin.com/in/fmontag/Apaleo: https://apaleo.com/For full show notes head to: https://themodernhotelier.com/episode/296Follow on LinkedIn: https://www.linkedin.com/company/the-..Join the conversation on today's episode on The Modern Hotelier LinkedIn pageConnect with Steve and David:Steve: https://www.linkedin.com/in/%F0%9F%8E...David: https://www.linkedin.com/in/david-mil.

Is Jacob Elordi the new Cruise Greeting someone Ma’am or Sir a thing of the past What do you watch to escape your real life? John Cena is all of us when a random person starts singing to him. See omnystudio.com/listener for privacy information.

Is Jacob Elordi the new Cruise Greeting someone Ma’am or Sir a thing of the past What do you watch to escape your real life? John Cena is all of us when a random person starts singing to him. See omnystudio.com/listener for privacy information.

Get Huel today with this exclusive offer for New Customers of 15% OFF with code alexoconnor at https://huel.com/alexoconnor (Minimum $50 purchase).For early, ad-free access to videos, and to support the channel, subscribe to my Substack: https://www.alexoconnor.com.John Sellars is a Reader in philosophy at Royal Holloway, University of London, a visiting Research Fellow at King's College London and a Member of Wolfson College, Oxford. His books include Lessons in Stoicism, The Fourfold Remedy, Aristotle and his work has been translated into over a dozen languages.Get John Sellars' books here.TIMESTAMPS:(0:00) What's So Great About Aristotle?(03:06) Actuality and Potentiality(12:59) Forms: Aristotle vs Plato(20:02) The Four Causes(25:16) Evolution and Final Causation(29:40) Did Aristotle Believe In God?(32:38) The Unmoved Mover(38:58) The Soul (Is Not What You Might Think)(48:51) How Aristotle Invented Formal Logic(55:54) The Nicomachean Ethics(01:15:56) Ethics as Descriptive(01:21:04) Where To Start With AristotleCONNECT:Twitter: http://www.twitter.com/cosmicskeptic Facebook: http://www.facebook.com/cosmicskeptic Instagram: http://www.instagram.com/cosmicskepticTikTok: @CosmicSkepticBusiness Email: contact@alexoconnor.comBrand enquiries: David@modernstoa.co

All Scripture was written for our admonition and learning (1 Cor. 10:11 and Rom. 15:4). Join Andrew Wommack as he explores the life of David, a man after God's own heart (1 Sam. 13:14). Learn lessons from David's life that you can apply directly to your own.

Let's talk about Ukraine, Crimea, and lessons for you....

What can the turbulent 1960s teach us about navigating today's divided world? In this powerful episode, Pulitzer Prize-winning presidential historian Doris Kearns Goodwin joins us to discuss her latest book, An Unfinished Love Story, a deeply personal memoir that weaves together her own life with the defining moments of one of America's most transformative decades. Goodwin reflects on the leadership legacies of JFK and LBJ, the courage behind the Civil Rights Movement, and why collective action — not individual heroism — has always been the true engine of progress. She unpacks how social media is reshaping modern movements, what today's leaders can learn from the past, and why youth engagement may be our greatest hope for bridging societal divides. We also explore the rise of AI and its implications for how history is written and remembered — and why Goodwin believes human moral reasoning will always be irreplaceable. Whether you're a history buff, a political junkie, or simply someone looking for perspective and optimism in uncertain times, this conversation will leave you inspired. Be sure to check out the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠On Brand with Donny Deutsch YouTube page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

What has changed about recovery, sobriety, and alcohol over the last decade? In this episode of That Sober Guy Podcast, Shane Ramer sits down with Paul Churchill, founder and host of the Recovery Elevator Podcast, for a conversation that has been more than ten years in the making. Shane and Paul both launched their podcasts in the early days of the modern sobriety movement and have spent years talking with thousands of people navigating their relationship with alcohol. In this episode, they reflect on how the recovery landscape has evolved, what they've learned from their audiences, and why more people than ever are questioning alcohol's role in their lives. Together, they tackle some of the biggest debates in recovery today, including identity, labels, moderation, the sober curious movement, and whether people need to hit rock bottom before making a change. They also discuss the common struggles men face when trying to quit drinking, the excuses that keep people stuck, and why so many smart, successful people continue drinking even when they know it's holding them back. In this episode: • How the sobriety and recovery movement has changed over the last decade • The rise of the sober curious movement • Do people still need to identify as alcoholics? • Can some people successfully moderate their drinking? • The biggest lies people tell themselves about alcohol • Why successful people continue drinking despite the consequences • What keeps people stuck longer than necessary • Lessons learned from thousands of conversations about recovery and personal growth • Where the future of sobriety may be headed Whether you're sober curious, alcohol free, in long term recovery, or simply questioning your relationship with alcohol, this conversation offers practical insights, honest reflections, and plenty of thought provoking discussion. Takeaway: If you're a man looking to quit drinking, improve your health, sharpen your focus, and connect with other like minded men, join our free online men's community, The Victory Circle. You'll find accountability, support, and encouragement from men who are committed to becoming stronger husbands, fathers, leaders, and business owners. You can also check out our 30 Day Alcohol Free Performance Challenge, designed to help men eliminate alcohol, increase energy, improve clarity, and build momentum in every area of life. CONNECT for a free month of Paul's Café RE. https://www.cafe-re.org/alcohol-free-community/ Connect  Join “The Victory Circle”, our FREE Sober Guy Mens Community at https://www.thatsoberguy.com/offers/SvjjuEQ2/checkout Want to go 30 Days Alcohol Free? Try our 30-Day Sober Performance Challenge — https://www.thatsoberguy.com/quit-drinking-alcohol-for-30-days Sober Executive Performance Reset: A 12 Week Private Coaching Experience - APPLY HERE https://www.thatsoberguy.com/coaching Shanes New Book, Sober Guy How Do I - https://a.co/d/81ZIgtE Invite Shane to Speak - https://www.thatsoberguy.com/speaking For More Resources go to http://www.ThatSoberGuy.com Follow us on LinkedIn - https://www.linkedin.com/in/shane-ramer-7534bb257/ Follow us on Instagram @ThatSoberGuyPodcast Follow us on YouTube - https://www.youtube.com/thatsoberguypodcast  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is Jacob Elordi the new Cruise Greeting someone Ma’am or Sir a thing of the past What do you watch to escape your real life? John Cena is all of us when a random person starts singing to him. See omnystudio.com/listener for privacy information.

John Di Domenico is one of the world's most recognized celebrity impersonators, best known for his legendary Donald Trump impression. A veteran comedian, actor, and voice artist, John has appeared on major platforms including Jimmy Kimmel Live!, The Howard Stern Show, and The Tonight Show. He was also one of the highest-earning creators on Cameo, building a thriving business around a single character. In this episode, Travis breaks down the biggest lessons he learned from John's journey—from overcoming a childhood speech impediment to creating a scalable career through skill stacking, relentless practice, and creative expansion. On this episode we talk about: How childhood challenges can become career-defining strengths The power of skill stacking and developing a unique competitive advantage Why top performers constantly return to the fundamentals Turning one successful skill into multiple income streams Why there has never been a better time to create opportunities for yourself Top 3 Takeaways Your biggest obstacles may become your greatest assets. John's years of speech therapy ultimately gave him the technical understanding of voices that made him a world-class impersonator. Long-term skill stacking creates opportunities that look like luck to outsiders. Decades of comedy, acting, improv, and voice work positioned John perfectly when demand for Trump impersonations exploded. Success comes from maximizing what you've built. Rather than relying on a single income source, John expanded one core skill into corporate events, live performances, Cameo videos, and customized experiences. Notable Quotes "Your obstacles can become your instruments." "Stacking skills over a long time creates an unfair advantage." "There's no excuse in this era not to succeed." Connect with John D. Domenico: Youtube: https://www.youtube.com/didonyc Instagram: https://www.instagram.com/thejohnnydshow/ Other: https://www.thejohnnydshow.com/ A Word from Our Sponsors:If you're enjoying the Travis Makes Money podcast, be sure to support our sponsors. Their support helps us continue bringing you conversations with world-class entrepreneurs, investors, creators, and business leaders every week. - Are you ready to start your own creatorjourney and make it big? Visitwww.fanvue.com today and launch yourcareer! - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Monty, leadership advisor, communication strategist, keynote speaker, storyteller, and host of the Timeless Leadership podcast, joins me on this episode. Scott is the former Global Head of Social Media and Digital Communications at Ford Motor Company, where he helped lead some of the most groundbreaking digital communication and marketing initiatives of the early social media era. He has advised organizations including Ford, IBM, Walmart, Google, and Reebok, and has been recognized by The Economist as one of the world's leading social business thinkers. In this conversation, Scott shares lessons from his career journey, insights from working alongside legendary Ford CEO Alan Mulally, and why timeless leadership principles such as humility, reflection, communication, and servant leadership are more important than ever.

It's easy to assume generosity will grow over time. We tell ourselves we'll give more after we earn more, save more, pay off debt, or reach a certain level of financial security. But what if waiting causes us to miss something God wants to do today? That's the question Cody Hobelmann invites us to consider. Cody is a Certified Financial Planner, a Certified Kingdom Advisor® (CKA®), and co-founder of the Finish Line Pledge with his brother, Keelan. He also contributed to FaithFi's new field guide, How Much Money Is Enough?—a resource designed to help believers think biblically about setting financial finish lines. For Cody, this isn't merely a financial planning concept. It's personal. Early in his stewardship journey, he believed the best way to serve the Kingdom was to accumulate substantial wealth and give generously later. But over time, God began to reshape that perspective. “I started to wonder,” Cody shared, “what am I missing by not giving more today?” That question gets to the heart of biblical generosity. Giving is not only about transferring money to a worthy cause. It is also about joy, spiritual formation, trust, and eternal impact. The Joy of Giving Now Acts 20:35 says, “It is more blessed to give than to receive.” For some believers, generosity begins with the heart. They discover that giving produces a joy that spending and saving cannot replicate. When we give, we step into something larger than ourselves. We participate in the needs, stories, and mission of others. That joy can become contagious. As Cody explained, generosity often draws us into relationships with people and organizations doing meaningful work. We begin to see the impact of our gifts. We share in the purpose of the ministry. We become part of a story God is writing through His people. And the more we experience that joy, the harder it becomes to put generosity off until later. Giving now also allows us to encourage others. Stories of generosity can awaken generosity in someone else. Cody noted that hearing the stories of radically generous givers helped challenge his own assumptions. In the same way, our generosity can become an invitation for others to ask, “What are they experiencing that I'm missing?” Generosity doesn't just meet needs. It multiplies. Generosity as Spiritual Formation Other givers are motivated by what Cody describes as the “soul” dimension of giving. For them, generosity is part of spiritual formation. Giving requires trust. It asks us to surrender something we may feel we have earned, controlled, or secured for ourselves. That first step can be the hardest, because it often exposes what we really believe about God's provision. But like a muscle, generosity grows stronger with practice. At first, giving may feel difficult or like a sacrifice. But as we give consistently, we learn to listen for the Lord's leading and respond with obedience. Over time, generosity becomes less about fearfully letting go and more about joyfully participating in God's work. This is one reason giving now matters. Delayed generosity may preserve our resources, but it can also delay the work God wants to do in our hearts. Through generosity, God loosens our grip on money. He shifts our identity away from what we have, what we earn, or what we can control, and roots it more deeply in Him. Accumulation may give the illusion of safety, but generosity teaches us dependence. Giving becomes a way of saying, “Lord, these resources belong to You. What would You have me do with them?” That kind of prayerful surrender draws us closer to God in a way accumulation never can. The Wisdom of Strategic Giving Generosity is not only emotional or formative. It can also be strategic. Some believers think carefully about impact. They want to steward resources wisely, evaluate outcomes, and give in ways that bear fruit. Cody calls this the “head” dimension of giving. From that perspective, giving now has a practical advantage: it gives us experience. When we give today, we can see what happens. We can learn which ministries are bearing fruit, which need to align with our calling, and where future gifts might have the greatest impact. Cody compares it to planting seeds. Year after year, we learn where the harvest is growing and where to sow next. This kind of giving is not impulsive. It is thoughtful, prayerful, and engaged. Financial planners often talk about the power of compound interest. But Cody points to something even greater: compound impact. A dollar invested may grow over time, but a gift given today may change a life today. And God can do far more with our obedience than we can calculate on a spreadsheet. That doesn't mean every dollar should be given away immediately or that planning for the future is unwise. Scripture commends wisdom, provision, and prudent planning. But it does mean we should be careful not to assume that “later” is always the more faithful option. Sometimes waiting to give can mean delaying the impact God intended for today. Don't Hold Too Tightly Jesus warns in Matthew 6:19-21, “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal... For where your treasure is, there your heart will be also.” Earthly resources are temporary. Markets change. Circumstances change. Needs arise. Life is uncertain. Even when we intend to give later, we are not guaranteed we will have the opportunity. That reality is not meant to create fear. It is meant to cultivate a sense of faithful urgency. As Ron Blue has often said, “Do your giving while you're living, so you're knowing where it's going.” There is wisdom in being able to see, participate in, and learn from the impact of generosity while we are still here. Giving now turns temporary resources into lasting Kingdom impact. How Finish Lines Help Us Give Freely One practical way to accelerate generosity is by setting financial finish lines. A lifestyle finish line changes the question from “How much should I give?” to “How much should I keep?” Once we prayerfully define enough for our lifestyle, we are free to ask what God would have us do with the resources beyond that point. A lifetime finish line works similarly. It helps us consider how much is appropriate to accumulate over the course of our lives. When we know what is enough, we can begin dreaming with God about how to deploy His resources for His purposes. Finish lines are not about legalism. They are about freedom. They help us resist the endless pull of accumulation and open our hands to the joy, adventure, and impact of generosity. Take One Step This Week For the person waiting for the “right time” to become more generous, the encouragement is simple: start now. That step does not have to be dramatic. It may be small. It may be quiet. It may be a first act of obedience that stretches your faith just enough to remind you that God can be trusted. But don't wait to be generous. Giving shapes your heart. It deepens your faith. It strengthens your trust in God. And it multiplies Kingdom impact in ways delayed generosity never can. The question is not merely, “How much can I give someday?” The better question may be, “Lord, what would You have me do today?” On Today's Program, Rob Answers Listener Questions: Scripture calls men to provide for their families, but what does that look like today? Is there a minimum income a man should aim for to support a family, and what kind of financial goal or ambition should we encourage young men to pursue? I'm praying about how to advise a friend with over $40,000 in debt. He has small investments and a small business, but the business is declining, and he feels overwhelmed. Would a Christian credit counselor be the right next step? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) 10 Reasons to Give Now Rather Than Later by Cody Hobelmann (Article in Faithful Steward, Issue 6) The Finish Line Pledge Christian Credit Counselors 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 weekday 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.

Episode Summary Bivalve aquaculture is increasingly being explored not only as a source of sustainable seafood, but also as part of a broader conversation about ecosystem services and coastal resilience. Emerging research in the United Kingdom is helping quantify how shellfish species such as mussels, oysters and clams remove nutrients from marine environments through natural biological processes, creating opportunities to better understand aquaculture's role in supporting water quality and environmental management. At the same time, this work emphasizes the importance of realism and balance. Nutrient removal through shellfish farming is not a replacement for traditional water treatment or a universal solution to eutrophication, but it may become one tool within a larger portfolio of approaches. The discussion explores how science, industry, policymakers and growers can collaborate to better measure environmental outcomes while continuing to strengthen seafood production, ecosystem health and long-term resilience. Featured Guest Konstancja Woźniacka — Policy Advisor (Bivalves), Seafish Key Topics Covered Understanding ecosystem services in seafood production How bivalves naturally remove nutrients from coastal waters The relationship between eutrophication and marine ecosystem health Quantifying environmental benefits in shellfish aquaculture Differences in nutrient removal across species and farming methods Environmental and economic approaches to valuing nutrient removal Lessons from nutrient credit and ecosystem service programs Challenges to scaling environmental outcomes in shellfish farming The importance of localized research and environmental conditions Building public awareness around the broader value of seafood systems Key Takeaways Shellfish aquaculture can provide benefits beyond food production. Bivalves improve water quality through natural filter-feeding processes. Nutrient removal performance varies by species, location and cultivation method. Ecosystem services require careful measurement to avoid oversimplification. Environmental value and commercial viability must remain aligned. Collaboration across industry, science and policy is essential. Incremental solutions can still make meaningful contributions to marine health. Links and Resources Mentioned Seafish Website Chesapeake Bay nutrient management and oyster restoration initiatives Check out our website!: https://www.globalseafood.org/podcast Follow us on social media! Twitter | Facebook | LinkedIn | Instagram If you want to be more involved in the work that we do, become a member of the Global Seafood Alliance: https://www.globalseafood.org/membership/   The views expressed by external guests on Aquademia are their own and do not reflect the opinions of Aquademia or the Global Seafood Alliance. Listeners are advised to independently verify information and consult experts for any specific advice or decisions.

>>Join Wicked Smart Golf Academy To Lower Your HDCP Fast: Proven paths to break 90, break 80, and crush competitive golf (no swing changes required) Jim Waldron is a mental performance coach and golf professional with one of the most diverse backgrounds in the sport, incorporating lessons from Buddhist mindfulness, modern neuroscience, NLP, and shamanism into his "mind-body connection" holistic approach. After a tough showing in a junior tournament led to an 11-year hiatus from the game following an anger-filled outburst at age 15, Jim spent his time in California studying human potential and Zen Buddhism before returning to the game to help thousands of golfers overcome mental blocks like the yips. In this episode, you will learn: The "Two Minds" Theory and the Watchdog: How the unconscious mind acts as a computer that can be programmed for new skills, and why a skeptical "watchdog" often prevents golfers from successfully implementing swing changes. A Radical Approach to Curing the Yips: Why the "principle of paradoxical intention"—giving yourself permission to yip—actually decreases the frequency of the disorder. External vs. Internal Meditation: Why traditional "internal" meditation can be dysfunctional for beginners and how to practice "external" meditation, such as focusing on a candle flame or practicing walking meditation to stay present between shots. The Power of the Carefree Mindset: Lessons from Jack Nicklaus and Scotty Scheffler on maintaining emotional detachment from outcomes and using a singular focal point to strengthen the mind-body connection. Tactical On-Course Reset Strategies: Specific techniques to handle fear and pressure, including the 336 breathing method (3-second inhale, 3-second hold, 6-second exhale) and the "I'm safe" amygdala-calming affirmation. And more! WICKED SMART GOLF Recommended Products Speed Train With Rypstick: The #1 speed trainer to add 10+ yards in 40 days or less (use code WICKEDSMART to save 20%)  Master Mobility & Flexibility with Golf Forever: The best way to work on your golf fitness at home or the gym, with easy to follow plans & app (use code "WICKEDSMART" to save 15%).  Use HackMotion for Better Ballstriking: The best wrist trainer in golf and become your swing coach (use code WICKEDSMART to save 5% on your investment).  Speed Train with HiiTs Driver: Developed by 3X WLD Champion, Fast Eddie, this hittable driver will help you add distance while hitting balls (use code "WICKEDSMART" to save 10%). Wicked Smart Golf Academy To Lower Your HDCP Fast: The FASTEST way to play consistent golf.  Practice Like a Pro With Wicked Smart Golf Practice Formula: 100 Practice plans and a 90-minute masterclass to practice like a pro.   Wicked Smart Golf Books Play better FAST with the Wicked Smart Golf Trilogy on Amazon or Audible.  Simplify "golf fitness" with my book, The Wicked Smart Golf Fitness Formula on Amazon. Or, listen to it on Audible.  Also, don't forget to connect on social media: Follow on TikTok Follow on Instagram   Subscribe on YouTube

What happens when a viral TikTok sensation shares the story behind the screen? In this heartfelt conversation, Jeff Gould sits down with Janet Stewart—better known online as "Yooper Janet"—whose frozen blue jeans videos, Minnesota humor, and authentic storytelling have earned her hundreds of thousands of followers and millions of likes. But this interview goes far beyond social media. Janet opens up about growing up in Sioux Falls, her father's devastating accident, years of alcoholism, family hardship, abuse she survived in her own life, and the remarkable redemption story that transformed her relationship with her dad during the final decade of his life. From viral internet fame to profound lessons about forgiveness, healing, faith, second chances, and personal transformation, Janet's story is a powerful reminder that the worst chapter of your life does not have to define the rest of your story. In this episode, you'll discover: • How a pair of frozen blue jeans turned Janet into a viral sensation • The surprising origin of "Yooper Janet" • Growing up with a father whose life changed after a tragic accident • The impact of addiction on families • A life-threatening medical crisis that unexpectedly led to redemption • Why Janet believes people can change—even later in life • Her journey through abuse, recovery, and starting over • Lessons learned from delivering her father's eulogy • Faith, forgiveness, and finding purpose in pain If you've ever struggled with family relationships, grief, addiction, regret, or the hope of reconciliation, this conversation will encourage you. CONNECT WITH JANET Instagram:https://www.instagram.com/yooperjanet/ TikTok:https://www.tiktok.com/@yooperjanet Facebook (Yooper Janet):https://www.facebook.com/@YooperJanet/ Facebook (Personal):https://www.facebook.com/JanetMarieSteward FEATURED MEDIA APPEARANCES Good Morning America:https://www.goodmorningamerica.com/news/video/ice-queen-tiktok-82262321 ABC News:https://abcnews.go.com/WNN/video/ice-queen-tiktok-82262321 The Weather Channel:https://weather.com/storms/winter/video/so-cold-they-froze-their-pants-off Yahoo Finance:https://finance.yahoo.com/news/minnesota-family-literally-freezes-pants-214044183.html KARE 11:https://www.kare11.com/amp/article/money/how-some-of-minnesotas-top-tiktokers-make-their-money/89-b50d2fcc-9166-4196-9e59-3d00caf5cb41 UNILAD Adventures:https://fb.watch/pUiSzfI_yS/?mibextid=v7YzmG UP Matters:https://youtu.be/bTypjpCf0Xo?si=Oud4tGpujq4L4laY TODAY Show:https://www.today.com/video/how-cold-is-it-see-spaghetti-jeans-egg-frozen-in-place-130687557848 #JeffGould #AmericasStoryteller #Faith #Redemption #SecondChances #YooperJanet #MinnesotaLife #PersonalTransformation #Family #Forgiveness #Inspiration #Storytelling Learn all about America's Storyteller on his website: https://www.ilikethatstory.com Buy Jeff's books, CD, and audio book: https://www.ilikethatstory.net/shop Get urgent one-on-one coaching with Jeff now: https://calendly.com/jeffjgould Connect with Jeff on social media: Linktree: https://linktr.ee/jeffgould LinkedIn: / jeff-gould-americas-storyteller Twitter/X: https://x.com/jeffgouldstory Instagram: / jeffgouldilikethatstory Facebook: / jeffgouldilikethatstory For booking, contact: Email: book@ilikethatstory.net Phone: (605) 215-6414 or https://www.ilikethatstory.net/contact Send business/sponsorship inquiries to book@ilikethatstory.net © Jeff Gould, America's Storyteller This video is not to be reproduced without prior authorization. The original YouTube video may be distributed & embedded, if required. Callers waive all rights to privacy on this public call in show. If you need private coaching, pay for and book a call at https://www.ilikethatstory.com

The way people look for work is changing fast. A growing number of job seekers now begin by using tools like ChatGPT, asking questions in plain language about roles, salaries, and what it's actually like to work for a company. It is a very different starting point from typing a job title into a search box and scrolling through pages of aggregator links. At a time when employers are drowning in low-intent applications, something interesting is happening at the other end. Candidates who find roles through AI search arrive with real context about the company, the role, and why it fits their life. So how can employers make the most of this new world of job search? My guest this week is Ben Russell, Co-founder at SonicJobs. In our conversation, Ben explains how AI-driven job search is developing, what it means for candidate intent, and why he thinks this moment could rebuild trust between employers and job seekers. In the interview, we discuss: The role LLMs are now playing in the job search. Changes in job seeker behaviour Lessons from the rise of Google Building apps in ChatGPT Implicit and explicit discovery The implications of conversational search Delivering well-informed, high-intent applicants How employers can own their own brand What does the future of the job search look like? Follow this podcast on Apple Podcasts. Follow this podcast on Spotify. A full transcript will appear here shortly.

Do you ever feel like you're working hard but not seeing results fast enough? In this episode, I sit down with world-record-holding mountaineer and entrepreneur Jenn Drummond to talk about how to stop letting temporary setbacks define your future, build resilience through life's challenges, and stay committed to goals that feel bigger than your current reality. We discuss overcoming self-doubt, reframing the stories that keep you stuck, and developing the mindset that helps you keep moving forward when the path feels uncertain. Get ready to think bigger, trust the process, and keep climbing toward what you want most. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Indeed - Spend less time searching, and more time actually interviewing candidates who check all your boxes. Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Fora Travel - Curious how to become a travel advisor and earn while you explore? Start at http://foratravel.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. HIGHLIGHTS 00:00 The lesson Jenn learned from growing up in a family of 65 cousins. 09:00 Lessons from cold calling in finance. 13:00 The sales strategy that helped Jenn close more deals and build confidence. 17:45 The challenge from her son that led Jenn to climb Everest. 21:00 How to prepare for goals that feel bigger than you. 25:30 How does the metaphor of ‘acclimatizing' apply to business? 27:30 How to shift your mindset when self-doubt starts taking over. 31:30 Why the story you're telling yourself may be holding you back. 35:45 How to stop spiraling and rewrite the narrative that's keeping you stuck. 39:30 Tips to stay mentally strong when you're facing your biggest challenges. 43:00 The message Jenn received from her daughter after summiting Everest. 44:45 What was the hardest mountain you climbed? 46:30 How changing your environment instantly changes your perspective. 51:15 Jenn's lessons on resilience, leadership, and achieving impossible goals. RESOURCES Learn more about Jenn HERE! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Jen: @thejenndrummond

All Scripture was written for our admonition and learning (1 Cor. 10:11 and Rom. 15:4). Join Andrew Wommack as he explores the life of David, a man after God's own heart (1 Sam. 13:14). Learn lessons from David's life that you can apply directly to your own.

Alisha dropped out of year 10 to become a hairdresser, opened her own salon at 20, and ran it for nearly a decade - applying five different products to every client's hair, every single day. By the time she sold the salon, she already knew exactly what was wrong with the industry. What she didn't know was how to start an e-commerce brand. James Jade, her all-in-one leave-in conditioner that replaces up to five separate products, took two years and close to $21,000 to get off the ground. She doesn't regret a cent of it. In this episode, Alisha walks through the full build - the custom formula she landed on her second sample, the five delays before launch, and the first two years of selling almost entirely through word of mouth, mystery notes left in cafe bathrooms, and conversations at the World Surf League. She gets honest about what held her back, how slow it actually was, and what finally started to move the needle. What you'll learn in this interview: How 16 years on the salon floor became the most credible form of product validation - and why Alisha already knew her formula before she ever met a cosmetic chemist Why she got the formula right on the second sample when most founders go through 20 - and the one thing that was actually the hardest to nail The real cost of custom formulation: $7,000 for packaging, ~$14,000 for 1,000 units at $15 a bottle, and why she was told to double her budget - and it ended up being triple What she did during the two years between starting development and actually launching, including freelancing to fund each invoice one at a time Why refusing to be the face of the brand in the early days made everything slower - and the exact moment she realised the product alone wasn't enough The scrappy, offline community tactics that built early brand awareness - leaving minis in nice bathrooms, mystery notes in cafes, street conversations at events How she started posting four times a week on Instagram with no ads, no influencers, and no email marketing - and what eventually changed The decision to build weekly emails around real hair advice rather than promotional content - and why her salon background made this the easiest part of the whole business Why she waited until she'd recouped her initial investment before developing the shampoo - and what the waitlist looks like before it's even launched Lessons from nearly $21K invested in a first run, five launch delays, and two years of slow, deliberate building before the business started to accelerate If you're in the early stages and wondering whether the slow growth means you're doing it wrong - this episode is for you. Alisha's story is a reminder that domain expertise is an unfair advantage, that the long, unglamorous build is often the only way to get it right, and that $7K a month on a single product with a shampoo waitlist already building is not a small thing. SAVE 50% ON OMNISEND FOR 3 MONTHS Get 50% off your first 3 months of email and SMS marketing with Omnisend with the code FOUNDR50. Just head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://your.omnisend.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to get started. WANT TO GROW YOUR BRAND WITH META ADS? Join the Foundr Operators Waitlist → ⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/operators⁠⁠⁠⁠⁠⁠⁠⁠ HOW WE CAN HELP YOU SCALE YOUR BUSINESS FASTER Learn directly from 7, 8 & 9-figure founders inside Foundr+ Start your $1 trial → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com/startdollartrial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ PREFER A CUSTOM ROADMAP AND 1-ON-1 COACHING? → Starting from scratch? Apply here → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-start-application⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ → Already have a store? Apply here → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-growth-application⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CONNECT WITH BY ALISHA JADE Instagram → https://www.instagram.com/jamesjade.au/ Alisha's ⁠⁠⁠⁠⁠Instagram → ⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/alishajades/ Website → ⁠⁠⁠⁠⁠https://jamesjade.com.au/ FOLLOW FOUNDR FOR MORE BUSINESS GROWTH STRATEGIES YouTube → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/2uyvzdt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/foundr/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitter.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/foundr/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Podcast → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com/podcast⁠

Taking a deepish dive into how relationships are not only meant to help us learn, but also to unlearn things so we can build the life we are meant to have.

Walter Riley first got involved with political organizing when he was a 12-year-old boy protesting against Jim Crow-era segregation laws in North Carolina. Since then, he hosted an event with Malcolm X, managed a campaign for the Black Panther Party, helped lead the struggle for ethnic studies, and participated in countless political actions. His new book, “Civil Rights and Structural Attacks,” co-authored with Jesse Strauss, shares lessons from a lifetime of movement-building. The book, which features a foreword from Walter's son, the revolutionary rapper and director Boots Riley, looks back at the anti-apartheid movement, the Oscar Grant uprising, and many other rebellious moments to analyze the victories and shortcomings of these struggles. In this episode, which was recorded in front of a live audience at Local Economy in Oakland, Walter also discusses strategies for overcoming sectarianism and the legacies of local political figures including Jerry Brown, Ron Dellums, and Jean Quan. Special thanks to Rose Khor for audio engineering. To see photos and links related to this episode, visit: https://https://eastbayyesterday.com/episodes/from-jim-crow-to-oscar-grant/ Don't forget to follow the East Bay Yesterday Substack for updates on events, boat tours, exhibits, and other local history news: https://eastbayyesterday.substack.com/ Donate to keep this show alive: www.patreon.com/c/eastbayyesterday

Tom welcomes legendary investor educator and longtime friend Paul Merriman for a wide-ranging conversation about the evolution of indexing, the proposed changes to the S&P 500, and why investors should understand both the strengths and limitations of traditional index funds. Paul explains why firms like Dimensional Fund Advisors and Avantis Investors use a more flexible, evidence-based approach than traditional indexing and discusses how academic research has reshaped portfolio construction over the past several decades.The discussion also explores lessons from market history, including the importance of understanding major bear markets, determining appropriate risk levels, and building portfolios that align with personal goals rather than chasing maximum returns. Paul shares insights from the latest Dimensional Matrix Book and explains why he believes studying 100 years of market data helps investors stay disciplined during inevitable downturns.Finally, Paul introduces a simple but powerful strategy for helping newborns and young children build substantial retirement wealth through small annual investments that can compound over many decades.Timestamps0:11 Special guest Paul Merriman joins Talking Real Money0:55 Long friendship and investing partnership between Tom and Paul1:20 S&P 500 rule changes and earlier inclusion of major IPOs like SpaceX2:07 Historical examples of S&P 500 additions and omissions2:35 Microsoft's delayed entry into the S&P 5002:56 NVIDIA replacing Enron in 20013:29 How index rule changes can affect future returns and volatility4:08 Why indexing remains the preferred strategy for most investors5:16 Traditional versus non-traditional index funds6:37 How Avantis and Dimensional incorporate factors beyond company size8:05 Why factor-based investing differs from traditional indexing9:02 Problems with rigid index reconstitution schedules10:16 Momentum, flexibility, and portfolio management advantages11:22 Introduction to Dimensional's annual Matrix Book11:53 Using market history rather than forecasts to guide investing decisions13:09 Lessons from past bubbles, crashes, and lost decades14:20 Why Paul trusts academic research more than Wall Street forecasts15:14 The case for small-cap value investing15:49 Clarifying Paul's allocation to small companies16:53 Investing for heirs, charities, and future generations18:10 Remembering investor panic during the 2008 financial crisis19:18 Determining an appropriate risk level for retirement portfolios20:43 Different investor goals: beating the market, maximizing returns, or minimizing risk21:28 Peace of mind versus maximum growth21:55 Helping young people build retirement wealth early22:54 The $365-per-year retirement funding concept24:09 Final thoughts and appreciation between Tom and PaulQuestions? Comments? Click!

This week on the show, All-In Front Row Dads member Dave Powders pulls out a decade of notes and shares the 5 best lessons he's learned in 10 years of brotherhood. These are the tips that have made him a better father, a better husband, and a more present man at home. Short, practical, and worth your time. What you'll hear in this episode: Tip 1: Your calendar reflects your priorities. From Adam Stock. Why looking at your week tells you the truth about where your attention actually goes. Tip 2: When you take care of yourself, you're better equipped to take care of your family. From Jay Papasan. Why the Miracle Morning, sleep, meditation, and small habits compound into a better dad. Tip 3: The Family Board Meeting. From Jim Sheils. Why a one-on-one day with each kid every 90 days might be the most impactful thing you do as a parent. Tip 4: Ask your kids at night, "What was the best part of your day?" A simple question that helps them go to sleep lighter and opens up the conversation you didn't know they needed. Tip 5: You're not just responsible for your actions. You're responsible for your reactions. From Adam Stock. The meditation practice that grew Dave's EQ and changed how his kids talk to each other.   About the Front Row Dads Brotherhood: Front Row Dads is a community of family men with businesses, not businessmen with families. We've spent the last 10 years building the resources, frameworks, and brotherhood that help dads win at home and at work. If you're ready to be in the room with men who get it, learn more at frontrowdads.com. One More Thing: We just dropped a curated list of the best family games from our community. Card games, board games, dinner table games, and after-dinner favorites. All vetted by 300+ Front Row Dads who play with their families. Free download here: frontrowdads.com/games  

Margo is joined once again by Jade Chen, a healer, guide, and space-holder whose work centers on helping people navigate transformation, uncertainty, and growth. With over a decade of experience in somatic and lineage-based healing practices, Jade helps others reconnect to their inner voice and creative resilience. Living on Hawai'i Island, her work is deeply inspired by the rhythms of nature, the wisdom of ancestry, and the quiet courage it takes to begin again. In this returning conversation, Jade shares the profound changes that have unfolded since her last appearance on the podcast, including her move to the island, her work with a herd of horses at a healing sanctuary, and the unexpected ways life can transform when we learn to trust our intuition. Margo and Jade discuss: The concept of the "dreams behind the dreams" and how unexpected opportunities emerge when we follow our intuition Why beginning again often requires letting go of identities, comforts, and plans that no longer fit The role of courage in both life-changing decisions and everyday choices Simple practices for reconnecting with your inner voice through breath, mindfulness, and intention What living on Hawai'i Island has taught Jade about change, surrender, and transformation How horses became an unexpected part of her healing work and what they teach about presence, empathy, and connection Why discomfort is often a necessary part of growth and creating space for what's next How nature, water, and stillness can help us reconnect with our own wisdom Connect with Jade: www.mudlotuslife.com www.instagram.com/mud.lotus.life Connect with Margo: www.windowsillchats.com www.instagram.com/windowsillchats www.patreon.com/inthewindowsill

Rachel Marie Martin, founder of Finding Joy, is an author and entrepreneur inspiring millions to rediscover their spark, build with purpose, and live fully in both business and life. Top 3 Value Bombs 1. Clarity and confidence follow movement, waiting to feel ready is the illusion that keeps you stuck. 2. Growth isn't linear, it's layered, progress builds in seasons, pivots, and unexpected combinations. 3. Joy is a daily choice, not a circumstance, it's the ultimate return on investment in life and business. Visit Rachel Marie's website - Finding Joy Website Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Plaud - The world's number 1 AI notetaking brand. Check out Plaud.ai/eof and use code EOF for 10 percent off.

My guest today is Vlad Barbalat, the Chief Investment Officer of Liberty Mutual Investments, the $120 billion investment platform that sits within one of the largest insurance companies in the world.  Vlad grew up in Soviet Moldova, came to America in 1990, and built a career that eventually led him to one of the most distinctive capital allocator seats anywhere in finance.  Today we talk about how the mutual insurance structure creates a unique investment platform, what Liberty looks for in a new deal or partner, and what it means to build a career and a life in a country that gave you opportunities you never would have had anywhere else.  Please enjoy my conversation with Vlad Barbalat. For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠.  ----- Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at ⁠colossus.com/subscribe⁠. ----- ⁠Ramp's⁠ mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠ramp.com/invest⁠⁠ to sign up for free and get a $250 welcome bonus. ----- Trusted by thousands of businesses, ⁠Vanta⁠ continuously monitors your security posture and streamlines audits so you can win enterprise deals and build customer trust without the traditional overhead. Invest Like the Best listeners get a special offer of $1,000 off Vanta when you go to ⁠vanta.com/invest⁠.  ----- WorkOS⁠ is the infrastructure B2B and AI-native companies use to sell to enterprise. It covers everything enterprise security requires: SSO, SCIM, RBAC, Audit Logs, AI governance, and more. Trusted by 2,000+ fast-growing companies, including OpenAI, Anthropic, Cursor, and Vercel. ----- Rogo is the AI platform for finance. They're building agents for Wall Street that are trained to understand how bankers and investors actually do work: from diligence and modeling, to turning analysis into deliverables. To learn more, visit rogo.ai/invest. ----- ⁠Ridgeline⁠ has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Visit⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ridgeline.ai⁠. ----- Editing and post-production work for this episode was provided by The Podcast Consultant.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Timestamps: (00:00:00) Welcome to Invest Like The Best (00:00:53) Vlad Barbalat (00:01:28) The Most Interesting Seat in the Market (00:05:53) Breaking Down the $120B (00:10:41) How the Portfolio Is Constructed (00:11:00) The House View (00:13:49) What Liberty Looks for in a GP (00:16:32) Why Not Just Buy Bonds (00:18:30) Benefits of the Mutual Structure (00:23:40) The Luxury of the American Citizen Through Immigrant Eyes (00:30:26) How Immigration Shaped His Worldview (00:32:45) Direct Deals vs. GP Allocations (00:35:23) Branded Capital (00:39:07) Geopolitics & Investing (00:43:48) AI's Impact on Investing (00:46:22) The Valuation Debate (00:50:47) Public vs. Private Markets (00:53:53) Lessons from Goldman (00:54:41) Why Excellence Matters (00:57:30) Managing Permanent Capital (01:03:54) The Kindest Thing 

Can Ignis the Fire Sorcerer, Scuggy the Armadillo Magineer, Claude the Leafbat Sidekick, and the painted superhero known as Knight Wing rescue the unicorns from the frozen portal? Lessons include: When rivals work together, they can do amazing things; everyone has different specialties, even if they share similar interests! This week, we play G&G with three players: actor and tutor Dante Balletti, the lead voice actor for the Dorktales Storytime Podcast, Jonathan Cormur, and the head writer for Dorktales, Molly Murphy! Dante tutors middle and high school students on Zoom for test prep and academic support. Grown-ups can email danteabelletti@gmail.com to learn more! Jonathan Cormur is a professional voice actor and you can hear many of his amazing voices on the Dorktales Storytime Podcast: jonincharacter.com/dorktales-storytime-podcast Molly Murphy is the head writer for Dorktales and you can reach them for all your writing needs at: mkmurphycreative@gmail.com This story is part of a Guilds & Goblins adventure, where What If World guests play an original tabletop RPG for kids and families. Real-life dice rolls, usually with a 20-sided die, help us tell the story, along with your questions! Look for G&G or Cryptid Kids episodes if you want to hear more. Subscribe, Support the show, and get our Yoto Cards! Want more kids podcasts for the whole family? Grown-ups, subscribe to Starglow+ here. Learn more about Starglow Media here. Follow Starglow on Instagram and YouTube Share questions with a grownup's help via email: hello@whatifworldpodcast.com or voicemail: 205-605-WHAT (9428) Eric and  Karen O'Keeffe make  What If World. Our producer is  Miss Lynn. Character art by  Ana Stretcu, episode art by  Lynn Hickernell, podcast art by  Jason O'Keefe, and theme song by  Craig Martinson.