Podcasts about like karen

In this special episode we ‘Dive in at the Deep End' and examine in-depth the Inverse Care Law. What is it, why does it matter to medicines optimisation - and what can we do about it? The Inverse Care Law is a term first defined by the Welsh GP Dr Julian Tudor Hart over 50 years to describe how, perversely, people who most need health care are the least likely to get it. A law that sadly is as true now as it was then. Will we finally get to hear about the day Jamie met Julian Tudor Hart…?To help us in our discussion we are re-joined by AA Alumni Dr Karen Sankey alongside Dr Beth Winn. Regular listeners will remember Karen from series 2,  a GP who specialises in Health Inclusion and trauma based coaching. Karen is passionate about tackling social justice and health inequalities and we find out what has been happening since we spoke to her last. Dr Beth Winn is a GP working at Charlotte Keel Medical Practice, one of the largest and most deprived practices in Bristol. Like Karen, she is passionate about improving equity in healthcare and has worked with marginalised patient groups in India, Malawi, New Zealand and South Africa.Charlotte Keel Medical Practice is part of the GPs at the Deep End initiative which strives to reduce health inequalities through providing peer support, advocacy, training and research opportunities to primary care clinicians working in disadvantaged areas. We delve into the experiences of staff working at the deep end supported by the following article from the British Journal of General Practice https://bjgp.org/content/74/749/e797. To support our discussion we look at The Health Foundation Paper ‘Tackling the Inverse Care Law' https://www.health.org.uk/reports-and-analysis/reports/tackling-the-inverse-care-law.The original article penned by the great man himself in The Lancet can be read here: https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(71)92410-X/fulltext  As with all of our guests, Beth shares with us her Memory Evoking Medicine, a career anthem and book that has influenced her career or life. Is the choice a drug? You can decide, but it is a game-changer for Women's health. The Apothecaries are on the road again! Come and see our next live show at the Clinical Pharmacy Congress on the 10th May in London. Book your tickets and find out more here: https://www.pharmacycongress.co.uk/london  Don't forget to check out Steve's impressive TV debut where he describes the role of a Clinical Pharmacist to none other than Professor Green on BBC Morning Live. This is a must watch for anyone who wants to understand this role and the impact of polypharmacy. A new career beckons… You can watch it here: https://www.rpharms.com/about-us/news/details/polypharmacy-featured-on-bbcs-morning-live. You can listen to the Aural Apothecary playlist here; https://open.spotify.com/playlist/3OsWj4w8sxsvuwR9zMXgn5?si=tiHXrQI7QsGtSQwPyz1KBg You can view the Aural Apothecary Library here;   https://litalist.com/shelf/view-bookcase?publicId=KN6E3OOur website is https://www.theauralapothecary.com/ To get in touch follow us on Bluesky and X @auralapothecary or email us at auralapothecarypod@gmail.com . Don't forget to rate us and comment wherever you have got this podcast from. 

"Karen's" Gone Wild 3 Hour r/AskReddit Compilation“Karen” vs. “Becky” vs. “Stacy”: How Different Are These Slang Terms?When it comes to certain white women these days, it doesn't matter what lovely moniker their parents may have given them. They've also been deigned with the name Karen, Becky, or Stacy.Why? These common names are now shorthand for a certain kind of woman who either behaves badly or others like to complain about. As viral videos of Beckys blow up and the service industry cringes whenever a Karen asks to speak to the manager, these names have taken on a new meaning.But are all three names now insults? What exactly do they mean when used this way? And are they interchangeable? When it comes to these names, it's complicated.If you've ever wondered which is worse—dealing with a Karen, Stacy, or Becky—go ahead and take a closer look.What does Karen mean?Karen is a generic name that's common among middle-aged women. It was one of the top five most popular baby names for girls from 1957–1966, and peaked at #3 in 1965, according to Social Security data.Karen is also the Danish form of Katherine, which is popularly associated with a Greek word for pure. However, the meaning of Karen has evolved over recent years. Record of the insult Karen appears as early as September 2016, and by 2020, Karen had gained a slang meaning that refers to a middle-aged white woman.However, it doesn't refer to just any middle-aged white woman. The popularization of Karen as an insult has been credited to Black Twitter in the 2010s, and it typically refers to a woman who fits the stereotype of an aggressive, racist, minivan-driving, white mom. Your typical Karen has a “speak to the manager” haircut that's a variation of a blunt blonde bob. Karens are the types to complain to the manager about anything and everything, and have become the subject of memes as well as viral videos.In 2020, Karens became further associated with bad behavior, as videos surfaced of women acting out over refusing to wear masks or social distance to protect against COVID-19 and also engaging in extremely racist behaviors. When these instances are captured on video, they tend to go viral, with the Karen in question being publicly shamed. For example, “Central Park Karen” was a white woman who called the police on a Black man birdwatching in the park. There was also a “Costco Karen” who was filmed throwing a tantrum over being asked to wear a face mask. And then there was “Zombie Karen” who ran into a glass door and licked it while screaming racist slurs after being refused entry to a bar.In short, being called a Karen or told that you have a Karen haircut is not a compliment.Learn more about what makes a Karen so recognizable here.What does Becky mean?Like Karen, Becky follows the trend of a first name being used to generalize a certain type of person. Again, we're talking white women here. However, Beckys aren't middle-aged, ignorant, and aggressive white moms. Instead they are typically younger white women who are unaware or take advantage of their privilege. Beckys are the new Valley Girls.Becky is a pet form of the Biblical name Rebecca. However, the name became widely used as a slang insult in the late 2010s. Beyoncé helped solidify this in 2016 with her song “Sorry,” which references a Becky with the good hair whom many have interpreted to be a white woman.In addition to referring to a woman unaware of her white privilege and acting racist, Becky is also used to mock basic young women who love their pumpkin spice, UGG boots, and social media photos. The key to this stereotype is that Beckys are basic: completely unoriginal and mainstream.In addition to loving apple-picking in the fall and selfies, a Becky is stereotyped as a so-called basic bitch who is a privileged, sheltered, generic, and unlikeable white woman.Read more about the history and usage of Becky as a slang term here.What does Stacy mean?Stacy is also a pejorative slang term for a woman. The origin of Stacy is obscure, and may come from Anastasia or Eustace. However, Stacy reached peak popularity in the United States in the 1970s–80s and can be spelled Stacey and Stacie. By 2011 it had taken on an entirely different connotation. Stacy now is used as a stereotype for an attractive woman who is vain, rude, and only interested in sex. Stacies are sexually active and looked down upon for it.This version of Stacy originated from incel culture, which is an internet subculture of men who are celibate and blame women for their lack of sex lives. They use the term to describe typically white, blonde, women with porn-star bodies and a sensuality they hate because they can't have them. Stacy is similar to the term whore: it's dehumanizing, sexist, and scapegoats a woman who is deemed promiscuous by men.Become a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-stories-2024-best-of-reddit-nsfw-cheating-stories-2024--5689182/support.

Introduction: Minutes 0 to 4:45 We will be off next week due to Memorial Day. I finished watching From on MGM+ and also watched Blown Away on Netflix. Chandra remembers the show Flea Market Flip with Ali Wentworth on HGTV. The documentary she remembers is called Craft in America and was on PBS. Royals: Minutes 4:45 to 25:30 Last week, as we were recording, the news had just come out that the Sussexes were going to be in Nigeria the next day. There were so many stories, pictures and videos of their visit, but it was mostly limited to Getty and social media. Their visit was announced late, and we think that was to keep British journalists from traveling to Nigeria to cover their tour. It was hard to source stories and photos, but we loved that they weren't being held up by protocol. They gave a lot of personal time to the causes and people they visited. Meghan was declared a princess of Nigeria by four kings. That was such a moving gesture and you could tell Meghan was touched. Nigeria pulled out all the stops for the Sussexes. People love the Sussexes because they are so genuine. During their tour they were getting invitations from other countries to visit. I play a segment of Meghan's speech at the Women in Leadership panel in Nigeria.  There was a lot of racism and toxicity in the British press around that visit. Nigerian Twitter united to call it out. It seemed like Buckingham Palace gave the press the go ahead to attack the Sussexes. We've also heard that Charles is trying to block Harry and Meghan from visiting more commonwealth countries, similar to how Charles tried to block the Bidens from being hospitable toward them. We mentioned in our last episode that Charles had scheduled a handover event to give William the title of colonel in chief of the Army Air Corps, which was Prince Harry's regiment when he served two tours in Afghanistan. That little event happened, William cosplayed as Harry, dressed like him and took a ride in an Apache helicopter. The optics were terrible, because William wants to be Harry and falls short in every way. The Sussexes are covering this week's People and it's such a contrast to last week's weird cover story that centered how William was coping with his wife's illness. There are direct quotes from Harry and Meghan saying how well they're doing and that they're going to plan more visits. I play a clip from Zoom with Karen, Zakia and Ameerah, where we talked about the Nigerian tour. Like Karen mentioned on Zoom, the Sussexes got a lot of gifts. Of course there are calls for them to give them back. The British press is trying to make it sound like they got extravagant gifts. Chandra remembers when Camilla was gifted diamonds by the Saudis. Archewell was briefly “delinquent” with their registration in the state of California, but that was a simple mixup by the Attorney General's office which lost a check. The check was sent by certified mail and was delivered. Governor Newsom spoke out on their behalf. This week we also saw more of William's alleged one time mistress, Rose Hanbury. She was at the Badminton Horse Trials where she was photographed with Camilla. Rose and her husband, David Rocksavage, were also at an OBE service where their son was the page for Charles and Camilla.  Comments of the Week: Minutes 25:30 to end Chandra's comment of the week is from Sunday on the post about Rose Hanbury's reemergence. My comments of the week are from Harla A Brazen Hussy and StellainNH on the post about King Charles' new portrait by Jonathan Yeo. Thanks for listening bitches!

Incredible Voices from the Past! Plus: David's Amazing Summer Intensive Returns August 8 - 11, 2024 Today, David and Rhonda are joined by Dr. Jill Levitt, the Director of Clinical Training at the Feeling Good Institute in Mountain View, California, and two incredible voices from the past: Dr. Karen Radella, a clinical psychologist who volunteered to do personal work at the 2013 summer intensive at the South San Francisco Conference Center, and Jacqueline Ong, LCSW, who volunteered to do personal work at the 2019 summer intensive. That was the last summer intensive, due primarily to the Covid pandemic. Karen Radella, PhD But here's some fantastic news. The intensive returns again this summer, from August 8 to 11, 2024, at the same location. And Karen and Jacqueline give testimonial today, along with Rhonda, to the magic of the intensive, by describing the phenomenal impact of the personal work they did years ago, and the tremendous impact that work has had on their personal and professional lives. Both Karen and Jacqueline had been suffering from the devastating emotional impact of severe personal trauma for many years. Nine years earlier, when Karen's daughter was 12, she asked Karen if she could go out to play after dinner. She'd done this for years, but Karen had the thought that it was late and cold outside, but gave in and let her daughter go out to play. Minutes later, some neighborhood boys snuck up on her and shot her in the mouth with a high-powered pellet rifle that blew out one of her teeth and did considerable damage to her mouth which triggered PTSD and required many dental surgeries to correct. Both Karen and her daughter had been suffering emotionally for the nine years since that incident. Karen was telling herself that she was a bad mom, that she “shouldn't have” let her go out to play on that particular night, and that her daughter's horrific trauma was her fault. She was also convinced that other people, including the 100+ in the audience that evening, would be judging her as harshly as she was judging herself, and her feelings of fear and despair were palpable at the start of her live work. Karen described the techniques that were so helpful to her in her fantastic recovery that evening during her two hour session with Jill and David, including the Survey Technique, which she said was the “coolest experience of my entire life.” She was also helped by other techniques, including Explain the Distortions, the Double Standard Technique, and the Externalization of Voices. Jacqueline had suffered a different but equally severe traumatic event of a personal nature, but also disclosed it and worked it through with great courage in front of an audience of the same size in 2019. Like Karen, she experienced a complete elimination of her symptoms in the 2 hour session with Jill and David. She describe the keys to her suffering and recovery involved perfectionism (the need to be flawless) and perceived perfectionism (a term David coined that refers to the belief that others expect us to be perfect in order to be loved and respected.) Jacqueline emphasized that “failing as fast as you can” is one of the keys to the rapid recovery we so often see in TEAM. Instead of meeting once a week for an hour, which sets you up for very slow progress with relapses between sessions, you use technique after technique in one session until you find the one that works. Of course, following “recovery,” your negative thoughts will return over and over throughout your life, because no one is entitled to be—or would even want to be—happy all the time. But once you've experienced your own enlightenment, you know the tools that work for you, so you get better and better at heading off the relapses at the pass. Jacqueline and Karen both said they'd heard that the personal work at an intensive can be life-changing, but they “wouldn't have believed it” until they experienced it. Rhonda said, “I saw both live demonstrations. My first intensive was also the 2013 intensive when Karen did her personal work and saw Jackie's work at the 2019 intensive. I cried my eyes out with both of you at those intensives. After watching David and Jill's personal work with Karen at the 2013 intensive, I decided that TEAM was the therapeutic method I wanted to learn, and that's why I've dedicated my life to learning, practicing and teaching TEAM.” David, Jill and Rhonda hope YOU can attend the magical intensive this year. To learn more, you can just go to www.CBTintensive.com. This year you can attend in person OR online, since the program will be live-streamed. In the past, David has done all the teaching, but this year, David and Jill will do their dynamic “tag team” teaching made famous by their weekly free training group at Stanford. It is now online and is free for therapists around the world. It is Tuesdays from 5 to 7 PM west coast time. If you are interested in joining, contact Ed Walton, edwalton100@gmail.com. You could also join Rhonda's Wednesday TEAM training group that meets over zoom from 9-11:00 am. The timing of this group is more convenient for therapists from many parts of the globe. If you are interested in the Wednesday group, please contact Ana Teresa Silva, ateresasilva6@gmail.com. We hope to see you on August 8 at the South San Francisco Conference Center. But move fast if you want to attend in person, since seating will be strictly limited for those who wish to attend in person. Click here for further Summer Intensive information Best, rhonda, jill and david Thanks for listening today!

This is the fifth episode of the third season of the Perseverance Podcast. Listen as Rachel tells her story of growing up in Hong Kong with her missionary parents. After years of following her own desires and picking and choosing what her own truth was, Karen found herself alone and pregnant during her last year of high school. Like Karen in last month's podcast, Rachel was thinking she would end this unwanted pregnancy and life would go on as usual. So Rachel had an abortion. Unfortunately, Rachel's days of sorrow were just beginning. Listen as Rachel shares the pain, loneliness, shame and depression that led her to consider suicide was the only answer. But then, something miraculous happened to bring Rachel back to the Lord and to discover that hope, joy and peace only come from Him. After listening to Rachel's story of perseverance, I hope you too can feel encouraged to persevere as you go through your own difficult experiences. Listen to this and other episodes at www.perseverancepodcast.comIf you would like to be a guest on this podcast, email me at info@perseverancepodcast.comFor more information, go to www.deafblindpotter.comTo donate to the See Me Cane, go to www.seemecane.comTo support the DeafBlind Potter School for people with disabilities, go to https://www.school.deafblindpotter.comPregnancy Support Resourceshttps://supportafterabortion.com/https://www.heartbeatinternational.org/abortion-changes-youhttps://menandabortion.net/https://tests4greeley.com/Rachel Norris Website: http://www.joypotterytx.com/My Social Media AccountsFacebookhttps://www.facebook.com/deafblindpotter?view_public_for=103433621651670InstagramDeafBlind Potter- https://www.instagram.com/deafblindpotter/See Me Cane- https://www.instagram.com/seemecaneproject/ TikTokDeafBlind Potter- https://www.tiktok.com/@deafblindpotterSee Me Cane- https://www.tiktok.com/@seemecaneproject YouTubeDeafBlind Potter- https://www.youtube.com/channel/UCoESy9-tS5BEL9AqJ6dOu9ASee Me Cane- https://www.youtube.com/channel/UC0VJLOJCwsAqO0YW6U04dOgRadio Showhttps://www.deafblindpottershow.comDeafBlind Potter School and Documentaryhttps://www.school.deafblindpotter.comhttps://www.nowness.com/series/craft-work/deafblind-potter-kelvin-crosby

Being "saved" is amazing, but God desires to do an even deeper work within us. The word saved actually means: to be whole! It's the forgiveness of sins and the healing of our wounds. Join today's podcast conversation with Karen Graves as she shares her powerful testimony of how God healed her inmost being. If you've ever dealt with perfectionism, performance, an eating disorder, or have believed the lie that you're not enough, this episode is for you. Like Karen, God desires to set you free from the lies of the enemy and heal you from the pain in your past. We were made for more than we can possibly conceive! Let's invite the light of God's glory to shine in the dark corners of our souls together. * * *  LET'S BE FRIENDS!  HOST: Sarah Turner | Facebook GUEST: Karen Graves | Facebook  * * *  Beltway Park Church: Instagram | Facebook | Twitter | YouTube Beltway Park Church * * *  SHOW NOTES: Made for More  Purify Book

As we journey through advent this year we are joined by chaplains from our Homelessness Services Unit, who work in our lifehouses and hostels around the country. This week we are joined by Karen Cardy, from Springfield Lodge Lifehouse, London, who is considering our 3rd theme of Love.   Join the conversation: message us or comment via our Facebook page, instagram, youtube or email us at plexus@salvationarmy.org.uk facebook.com/selahtimetopause instagram.com/plexus.salvationarmy/ youtube.com/@selahtimetopause   If you'd like to donate to our church, please follow the link to our Just Giving page https://justgiving.com/plexus-salvation-army   ---- Music: For God So Loved - Hillsong Worship Intro Music: Just Breathe by  Bethany Henderson Digitally transmitted under licence: CCL 478026 and 21126816

"Karen's" Gone Wild 3 Hour r/AskReddit Compilation“Karen” vs. “Becky” vs. “Stacy”: How Different Are These Slang Terms?When it comes to certain white women these days, it doesn't matter what lovely moniker their parents may have given them. They've also been deigned with the name Karen, Becky, or Stacy.Why? These common names are now shorthand for a certain kind of woman who either behaves badly or others like to complain about. As viral videos of Beckys blow up and the service industry cringes whenever a Karen asks to speak to the manager, these names have taken on a new meaning.But are all three names now insults? What exactly do they mean when used this way? And are they interchangeable? When it comes to these names, it's complicated.If you've ever wondered which is worse—dealing with a Karen, Stacy, or Becky—go ahead and take a closer look.What does Karen mean?Karen is a generic name that's common among middle-aged women. It was one of the top five most popular baby names for girls from 1957–1966, and peaked at #3 in 1965, according to Social Security data.Karen is also the Danish form of Katherine, which is popularly associated with a Greek word for pure. However, the meaning of Karen has evolved over recent years. Record of the insult Karen appears as early as September 2016, and by 2020, Karen had gained a slang meaning that refers to a middle-aged white woman.However, it doesn't refer to just any middle-aged white woman. The popularization of Karen as an insult has been credited to Black Twitter in the 2010s, and it typically refers to a woman who fits the stereotype of an aggressive, racist, minivan-driving, white mom. Your typical Karen has a “speak to the manager” haircut that's a variation of a blunt blonde bob. Karens are the types to complain to the manager about anything and everything, and have become the subject of memes as well as viral videos.In 2020, Karens became further associated with bad behavior, as videos surfaced of women acting out over refusing to wear masks or social distance to protect against COVID-19 and also engaging in extremely racist behaviors. When these instances are captured on video, they tend to go viral, with the Karen in question being publicly shamed. For example, “Central Park Karen” was a white woman who called the police on a Black man birdwatching in the park. There was also a “Costco Karen” who was filmed throwing a tantrum over being asked to wear a face mask. And then there was “Zombie Karen” who ran into a glass door and licked it while screaming racist slurs after being refused entry to a bar.In short, being called a Karen or told that you have a Karen haircut is not a compliment.Learn more about what makes a Karen so recognizable here.What does Becky mean?Like Karen, Becky follows the trend of a first name being used to generalize a certain type of person. Again, we're talking white women here. However, Beckys aren't middle-aged, ignorant, and aggressive white moms. Instead they are typically younger white women who are unaware or take advantage of their privilege. Beckys are the new Valley Girls.Becky is a pet form of the Biblical name Rebecca. However, the name became widely used as a slang insult in the late 2010s. Beyoncé helped solidify this in 2016 with her song “Sorry,” which references a Becky with the good hair whom many have interpreted to be a white woman.In addition to referring to a woman unaware of her white privilege and acting racist, Becky is also used to mock basic young women who love their pumpkin spice, UGG boots, and social media photos. The key to this stereotype is that Beckys are basic: completely unoriginal and mainstream.In addition to loving apple-picking in the fall and selfies, a Becky is stereotyped as a so-called basic bitch who is a privileged, sheltered, generic, and unlikeable white woman.Read more about the history and usage of Becky as a slang term here.What does Stacy mean?Stacy is also a pejorative slang term for a woman. The origin of Stacy is obscure, and may come from Anastasia or Eustace. However, Stacy reached peak popularity in the United States in the 1970s–80s and can be spelled Stacey and Stacie. By 2011 it had taken on an entirely different connotation. Stacy now is used as a stereotype for an attractive woman who is vain, rude, and only interested in sex. Stacies are sexually active and looked down upon for it.This version of Stacy originated from incel culture, which is an internet subculture of men who are celibate and blame women for their lack of sex lives. They use the term to describe typically white, blonde, women with porn-star bodies and a sensuality they hate because they can't have them. Stacy is similar to the term whore: it's dehumanizing, sexist, and scapegoats a woman who is deemed promiscuous by men.

An influencer you might have heard of is going to jail! Kylie Jenner's ex Travis Scott tells you how big it is! AND be careful about the kind of drinks you get on vacation!Let us know what you think on social!Follow us at: @thejubalshow @jubalfresh @thatdreas @evanontheradio

In this episode, Founder and Host of Entrepreneurs on Fire, John Lee Dumas, talks about the 71000-word, 17-step, 273-page success roadmap that is his first traditionally published book. Today, JLD talks about the launch of his book, The Common Path to Uncommon Success, and we get to hear a few of the 17 foundational steps to success, and we hear about identifying what we want to achieve, all on today’s episode of The Healthy, Wealthy & Smart Podcast.   Key Takeaways “The online experts in this world... will lead you to believe that the path to uncommon success is “secrets”, “hidden”, maybe it’s “complicated.” It’s none of those things. All of them [successful entrepreneurs] have taken what has turned out to be a very common path to uncommon success.” “Freedom is one simple word, but it’s so hard to attain.” A few of the 17 steps to uncommon success: Identify your big idea. “So many people are living and acting in a weak, pale imitation of somebody else’s big idea.” Discover your niche. “Identify, within your big idea, an unserved opportunity.” Create your content production plan.   Suggested Keywords Uncommon Success, Roadmap, Process, Entrepreneurship, Wealth, Prosperity, Freedom, JLD, Entrepreneurs on Fire,   More about John Lee Dumas John Lee Dumas is the Founder and Host of Entrepreneurs on Fire, an internationally-acclaimed award-winning podcast with over 1 million monthly listens and 7-figures of annual revenue. To date, he has interviewed over 3000 of the world’s leading entrepreneurs, including Gary Vaynerchuck, Barbara Corcoran, and Tony Robbins. His first traditionally published book, The Common Path to Uncommon Success, is an amalgamation of the lessons learnt from the over 3000 interviews he’s done. Get the book: https://uncommonsuccessbook.com   To learn more, follow JLD at: Facebook:       John Lee Dumas Instagram:       @johnleedumas Twitter:            @johnleedumas YouTube:        John Lee Dumas   Subscribe to Healthy, Wealthy & Smart: Website:                      https://podcast.healthywealthysmart.com Apple Podcasts:          https://podcasts.apple.com/us/podcast/healthy-wealthy-smart/id532717264 Spotify:                        https://open.spotify.com/show/6ELmKwE4mSZXBB8TiQvp73 SoundCloud:               https://soundcloud.com/healthywealthysmart Stitcher:                       https://www.stitcher.com/show/healthy-wealthy-smart iHeart Radio:               https://www.iheart.com/podcast/263-healthy-wealthy-smart-27628927   Read the Full Transcript Here:  Speaker 1 (00:01): Hey, JLD welcome to the podcast. I am so excited to have you on Speaker 2 (00:06): Fired up to be here. Thank you for having me and listen. You've got a beautiful cat. I've got a beautiful dog. They might make a Paris's in this interview who knows Speaker 1 (00:15): It is possible. And I have to say, this is like a full circle moment for me, because I have always as a podcast or looked up to you for your podcasting, for your show entrepreneur on fire 3000 interviews. I mean, that is, that is amazing. And, and for all the listeners out there that is not easy to do. And now you've got a new book coming out. Your first traditionally published book. How exciting is that? Speaker 2 (00:47): Listen, I'm fired up. This is a combination of the 3000 plus interviews I've done over the last decade. I've interviewed some of the world's most successful entrepreneurs over the years, and I've learned from every single one of them. I mean, every one has been my mentor and I've been able to distill their genius down into what has turned out to be 71,000 words of my blood, sweat, and tears. Cause it took me 480 writing hours to write the 71,000 words, the 273 pages that comprise this book. But I couldn't take a single word out. This is a definitive 17 step roadmap to financial freedom and fulfillment. So if that's interesting to you, this book is your guy, Speaker 1 (01:34): Which is amazing. So it's the common path to uncommon success, the road to financial freedom and fulfillment. And you know, you, as we know, have been very successful online entrepreneur, but let me ask you a question. Sticking in that online entrepreneur have people been lied to by the quote unquote experts in the online business world. Speaker 2 (01:59): Listen, the online experts in this world. There's a lot of fantastic ones that are doing amazing things out there. And there's some not so fantastic individuals out there who will lead you to believe that the path to uncommon success is secrets. It's hidden. Maybe it's complicated. Listen, it's none of those things I've seen over 3000 successful entrepreneurs and I've interviewed over 3006 successful entrepreneurs. And I've seen that all of them have taken what has turned out to be a very common path, a very common path to one comma success. Now, by the way, it's hard work. It is absolutely hard work, but it's a common path. It's not secret. It's not hidden. It's not complicated. It is a very, very clear, very common path. And it's not something that, again, these so-called gurus that will try to, you know, sell you some key for $1,997 and 97 cents. Like, listen, that's the answer. The answer is clear. The content is out there. I've done over 3000 interviews. You have individuals like Karen and others who have done interviews. There's great content out there to be had. And I could tell you right now, just go listen to all 3000 of my episodes, but that's tens of thousands of hours or is distilled down into one book, 17 steps, 273 pages. And it's there for you. That's the common path to uncommon success. Speaker 1 (03:29): And when you look at success and we look at financial freedom and fulfillment, what, what do we really want to achieve here? What does that mean? Speaker 2 (03:38): So this is what I've really identified. That individuals really desire in life. Freedom. Freedom's one simple word, but it's so hard to attain, but think about it when you're free every single day to wake up and to do these three things, do what you want, where you want with whom you want. What else is there in life? Like when you can literally say, I get to do what I want to do, where I want to do it with whom I want to do it. I have that freedom. That's happiness, that's success. That's what people want. And this is what so many people have been able to achieve. You know, unfortunately, a lot of people don't think that's possible and they will never be able to achieve as a result. But those type of people don't listen to podcasts like this. So I know I'm talking to the right individuals right now. It's there. It's possible. It's, it's, it's a, it's a common path to your version of uncommon success. Speaker 1 (04:38): Now, you know, you say in the book, it's a 17 step roadmap. Most people will give you five steps or maybe eight steps, right? So what, what is the 17 step roadmap? If you can give us a couple of little snippets or details. Speaker 2 (04:54): So here's the process it's like when I interviewed these 3000 plus now individuals, and I've been able to really boil down and distill down the core foundational elements that all successful, aren't new or share in common. There were 17 of them. Like I wish there were 18 or 16. I like even numbers, but listen, it was 17. I couldn't take one away. I couldn't add one. It was just simply 17 foundational steps. And I was able to put them in a chronological order. And before me, I had the 17 chapters of the book and a step-by-step format, 17 steps to financial freedom and fulfillment. And let's go over a couple right now. Number one, this is where most people get it wrong, by the way, identify your big idea. Keywords, your big idea. So many people, Karen, they are right now living and acting in a week pale imitation of somebody. Speaker 2 (05:53): Else's big idea. They're like, Oh, look what Karen did or John. And they're having success doing these things. Let me just do that. And then they wonder why they're not successful most because they're a week pale imitation of those people that are trying to copy. They're copying somebody. Else's big idea. That person, it's their big idea. It's their zone of fire. That's why they're successful because they're living in their zone, a fire. You need to sit down maybe for the first time in your life, by the way, and really give yourself the time, the space, the open bandwidth to really come up with and identify your big idea. And your big idea is out there. Your zone of fires out there and chapter one, listen, it's not just words on a page. There are exercises. I teach you how exactly you get to your big idea. Speaker 2 (06:42): And that is a super critical part. That by the way, most people will die. Never even knowing what their big idea is because they never took the time to sit down and identify it. And it doesn't even take much time, which is the sad and scary part. But here's the thing here. If it was just that simple to identify your big idea, it would be one chapter in my book. And there were just be one chapter in my book. There's 17 steps. So there's a lot more to it than I than identifying your big idea. Let's just jump to step two. And then we'll skip a little ways ahead to, to show you any part of the book as well. But once you have your big idea, people are like, Oh my God, I'm so excited. Like I have my big idea. Let me go all in on this. Speaker 2 (07:22): That's a huge mistake because guess what? Your big idea is a great idea. And other people have had it too. And there's competition. That's out there crushing your big idea, which is a good thing because that's proof of concepts. That means that your big idea really is proof of concepts, but you can't right now launch against entrenched competition that's out there. So instead you go to step two, which is discover your niche. That means you're going to identify within your big idea, an un-served opportunity, a void that needs to be filled, that you can be the best solution to that real problem within your big idea. That's how you win. Like Karen, when I launched a podcast, that was just this broad idea, but then I was like, well, I'll launch a business podcast. That's a little more niche. Okay. It's still kind of broad. Speaker 2 (08:14): There's a lot of people there. Well what about an interview business podcast? Okay. There's like seven or eight other interview business podcasts. What about a daily interview? Podcasts of the world's most successful entrepreneurs, zero other competition. The day I launched entrepreneurs on fire, it was the best daily podcast interviewing entrepreneurs. It was the worst daily podcast interviewing entrepreneurs. It was the only daily podcast interviewing entrepreneurs. Like can't you see, like, that's why I won at such a high level. How can you be the best? Sometimes it means being the only, or it means niching down till you look around your competition is terrible. So you can kill them immediately. You can beat them up. That's how you discover your niche. Then of course, there's step three, four, and I take you all the way through and beyond. Let's skip forward right now to step seven. Speaker 2 (09:09): So every chapter in this books, an average of a three to 5,000 words, this chapter I wrote and I wrote and I wrote, and I wrote 13,500 words. By the time I finished this chapter, step seven, chapter seven, creating your content production plan. That is why we've won financially at such a high level because our content production plan is amazing. And I say that because it took us 10 years to get here. It's stunk at first, but now it's amazing. And I poured it all into this chapter and it is phenomenal and it's listen, it's not easy to emulate, but it's all there for you. And you will see after reading this chapter, why we're winning at such a high level and frankly, you know why you might not be because likely your content production plan is nothing in the same realm of what we have just like ours. Speaker 2 (10:06): Wasn't in this realm, obviously when we launched back into, you know, almost 10 years ago now, so that's just a glimpse of three of the 17 steps. And we have actually a bonus chapter called the well of knowledge. And it's a really cool chapter is chapter 18, a bonus chapter. And that's just the best pieces of advice, mentorship, inspiration, motivation that I picked up over the years. I just dropped it into this chapter. And this meant for you to really just take your ladle, dip it into the well of knowledge every now and then when you need it, when you need a little bump, a little boost. And man, that chapter is really cool because it's not meant to just read all at once. Like go there, consume it. One passage to passage, get the kind of inspiration you need, then get back to work. That's the process Speaker 1 (10:56): Amazing. Well, I mean, I don't know about anyone else listening, but I am so excited to get my copy, which it releases on March 23rd. So tell us, tell all the listeners here a little bit more of the details of the book launch so they know where they can get their copy. Speaker 2 (11:11): So listen, all the magic is going to be happening over at uncommon success. Book.Com, uncommon success book.com. You can head over there. You'll see the personal endorsements from Seth Godin, Gary Vaynerchuk, Neil Patel, Erica Mandy, Dorie Clark. You'll see a video of me describing more details about the book. You'll see. The first chapter is there for free just to read, to consume it, to see kind of like, well, how my writing process is plus the five bonuses that come with the pre-orders. So do not wait until March 23rd. You want to pre-order this book because it is amazing what we've done for these five bonuses. Just one of them, by the way, I'm to your door. All three of my journals, the freedom mastery and podcast journal. I'm literally shipping to your door at my expense. Well, drop them all. If you live in the United States of America, outside of the U S I'm going to give you the digital pack of all three immediately they're beautiful fillable versions. They're awesome. And there's four other insane bonuses. You can learn more about those other bonuses@uncommonsuccessbook.com. Speaker 1 (12:21): And I, I ha I will say congratulations are in order already. Cause an Amazon I checked today is already a number one bestseller on Amazon and it's not even out yet. And for the listeners, I am going to be giving away five copies of the book and you'll find all the details on my Instagram page. So check that out. Cause I will be giving away to five lucky winners, five copies of this book, because if you just go on to the website and read even the first chapter, you're like, man, I get it. You know, and I, and I also love the fact that you're vulnerable, that you're saying, Hey, this didn't happen overnight. And that's what a lot of people think. And that's what a lot of people sell. And it's so refreshing to see people out there experts like yourself saying it's hard work, it's work, but you can do it. So you're welcome. So I want to thank you so much for coming on the podcast. And one more time, where can people find all the info, Speaker 2 (13:21): Uncommon success, book.com, check it out a lot of great stuff there. And once again, much appreciated. Speaker 1 (13:30): Thank you so much. And everyone thank you so much for listening. Have a great couple of days and stay healthy, wealthy and smart.

This episode of Have Hope; Will Travel is especially tender. Because Karen Fig isn’t just a member of the LGBTQ+ community. She’s a close friend. Like Karen has checked my head for lice. One time we shared a bed and only one of us got bedbugs. She’s involved in some of the stories I shared The post {26} National Coming Out Day [Karen Fig] first appeared on Have Hope; Will Travel.

On this episode of the Healthy, Wealthy and Smart Podcast, I welcome Stephanie Weyrauch on the show to discuss budgeting.  An active member of the national physical therapy community, Stephanie has served on multiple national task forces for the American Physical Therapy Association (APTA) and actively lobbies for healthcare policy issues at the local, state, and national levels of government. Stephanie is a nationally sought after speaker and consultant for topics on social media use, generational issues, and organizational membership. In this episode, we discuss: -Stephanie’s experience paying off student loans and still enjoying her lifestyle -The budgeting tools you need to manage your expenses -Why an accountability partner can help keep your budgetary goals on track -How to incorporate pro bono work into your practice -And so much more! Resources: Stephanie Weyrauch Instagram Stephanie Weyrauch Twitter Stephanie Weyrauch Facebook Email: sweyrauchpt@gmail.com Dave Ramsey’s Complete Guide to Money - Hardcover Book The Total Money Makeover Dave Ramsey Podcast Every Dollar App   A big thank you to Net Health for sponsoring this episode!  Learn more about the Redoc Patient Portal here.     For more information on Stephanie: Dr. Stephanie Weyrauch is employed as a physical therapist at Physical Therapy and Sports Medicine Centers in Orange, Connecticut. She received her Doctorate in Physical Therapy and Master of Science in Clinical Investigation from Washington University in St. Louis. Dr. Weyrauch has served as a consultant for a multi-billion dollar company to develop a workplace injury prevention program, which resulted in improved health outcomes, OSHA recordables, and decreased healthcare costs for the company’s workforce. She has served on multiple national task forces for the American Physical Therapy Association (APTA) and actively lobbies for healthcare policy issues at the local, state, and national levels of government. Currently, she serves as Vice President of the American Physical Therapy Association Connecticut Chapter and is a member of the American Congress for Rehabilitation Medicine. Dr. Weyrauch is also the co-host for The Healthcare Education Transformation Podcast, which focuses on innovations in healthcare education and delivery. Dr. Weyrauch has performed scientific research through grants from the National Institutes of Health and National Science Foundation at world-renowned institutions including Stanford University and Washington University in St. Louis. Her research examining movement patterns and outcomes in people with and without low back pain has led to numerous local, regional, and national presentations and a peer-reviewed publication in Archives of Physical Medicine and Rehabilitation, a top journal in rehabilitation.   Read the full transcript below: Karen Litzy (00:00): We are the facebook group so we'll be checking the comments regularly, but just know that we will be checking and we'll probably be a couple seconds behind you guys. So if you are on and you are watching throughout any point in our talk today about setting a budget definitely write your comments down like questions. Whether for me mostly directed to Stephanie and we will get to those questions as well throughout the talk or throughout this very informative talk. I was saying before we went on the air that I'm really excited to listen to this because I have always been impressed with the way that Stephanie and her husband Deland have been able to create their life and their budget, and it's still full and they get to do the things they want to do and go where they want to go all while maintaining a budget and all while they both have student loans. Karen Litzy (01:07): So what I'll do first is it's for people in the group who aren't familiar with you, Stephanie just talk a little bit more about yourself and then we'll talk about how you set your budget and what kind of framework you follow.   Stephanie Weyrauch: Well, thanks Karen, for having me on, I'm really excited to talk about this because I'm running a budget as something that was really hard for me to do for a long time. I wasn't really raised to think about money growing up. So it's not, when I went through PT school, I just got my student loans and spent my money as I saw fit. And didn't really think about my money. So I'm Stephanie, Weyrauch, I'm a physical therapist here in Orange, Connecticut. I work at a private practice called physical therapy and sports medicine centers. Stephanie Weyrauch (01:55): And I do a little bit of consulting work privately through four different companies to try to help with occupational medicine and try to prevent any type of work injuries that happened in the workplace. So that's kinda my background a little bit, but when I went to, when I graduated from PT school and went to my first job, and at the time I was working in Minnesota, my student loans were becoming due and my husband is a physician. So he has a lot of student loans as well. So at the time total, we had pretty close to $300,000 in student loans. So quite a bit. And when my student loans were coming due and my boss hands me this little application for my 401k and like all these other very adult things, I just, I panicked. And I was like, I don't even know what a 401k is. Stephanie Weyrauch (02:44): I don't know how to pay my student loans. My husband was in medical school at the time. So I was the only one working. And my boss was just like, hold on. He's like, it's okay. I can help you. And so he handed me this book called the total money makeover by Dave Ramsey. And I read it and it changed my life. It changed the way that I thought about money. It changed the way that I handled money and it really empowered me to pay off my student loans and to not be afraid of debt to basically conquer it. So that's kind of the background behind it in the book. And also on his podcast, the Dave Ramsey show, he talks about how to manage a budget and how to set up a budget and how to stick to a budget. So the app that I use is called every dollar it's free. Stephanie Weyrauch (03:30): You can download it on, you can download it on Apple or Android, it kind of looks like this. So you can kind of set up, you can put in how much money you make and also what your expenses are for the month. Basically, it's very easy to use. You can use it on your phone or your computer. And so I started using that at the time, we were a one income household. I did pick up an extra job in a skilled nursing facility because my goal was, I didn't want to accumulate any more debt. So my goal was to try to make enough money and save enough money that we could pay for my husband's last year of medical school, which he went to an instate school. So his tuition was $25,000, which is very cheap, I think, by medical school standards. Stephanie Weyrauch (04:19): And we were able to cashflow that entire year of medical school, just off of the extra job that I was working at the skilled nursing facility. So every month, basically what I do is I go into the app before the month starts, I put in how much money I'm expected to make. Now, one of the things that happens when you're in private practice, especially if you're starting out is you may not know exactly how much you're going to make. And so it's hard to put in your budget like, Oh, I'm going to make, let's say, as Karen was talking about in the last course, you know, paying yourself by, let's say by biweekly or by month bi-monthly I'm gonna make $2,000 this next two weeks. Like you can't necessarily do that in Dave Ramsey's book. He has a sheet that you can use that lays out how you can do a budget based off of an income that fluctuates. Stephanie Weyrauch (05:11): I've never had a fluctuating income, so I've never used it, but he talks all about that in his book. And it's very easy to follow because he also talks about that if you are in debt and you're trying to pay off your debt, there's a certain amount, certain things you need to pay first. So food, shelter, lights, those are like the main things that you need to make sure that you focus on first. And then also the next thing would be like clothing. If let's say you're, you need to buy clothing. For some reason, I have really don't buy a lot of clothes. So I don't necessarily have to worry about that. And then after that is, comes your debt and any other miscellaneous things. So in this budget, you set up your income. If you were planning on giving any of your money away and like doing some charitable giving, that's something that he puts in there. Stephanie Weyrauch (06:02): If you're saving any money, there's a section for that. So then you can set aside how much money you want to save. And then for housing in my budget, I have my rent electricity. I put my cell phone cause that's my phone bill in there, my internet, and then my laundry. So those are like the five budget items that I have in there. And then in that month I set how much money I'm going to spend. And he thinks of a budget, not necessarily as a restriction, but permission for you to spend your money. So like throughout the month, if let's say your needs change, you can kind of rearrange how much money you're putting aside. So let's say for transportation, I need, let's say I'm taking my car. Cause I'm going to drive to a couple of patients’ houses. But this month, most of my patients are within a two mile radius of me. Stephanie Weyrauch (06:53): They're not far away, so I don't have to drive as much. So at the beginning of the month, I thought maybe I have to drive more. So let's say I set a hundred dollars for my gas and auto budget, and now I'm realizing I don't need that much. So what I could do with that is let's say I only need $50. So that extra 50, that I'm saving, I could potentially move to, let's say my savings, or if I have debt that I need to pay, I can move it down towards my debt. So you're giving yourself permission to spend that much money per month. The next item line item is food. So I've had groceries. And then I have, we have a section for restaurants. So if we want to eat out now with the pandemic, one of the things that was kind of nice about the pandemic is we weren't eating out nearly as much, but our grocery bill went like way up. Stephanie Weyrauch (07:38): So I noticed that we've been spending a ton more money on groceries. And I think it's mostly because food has gone up. So I had to adjust our budget based on that. Now this month we're, you know, things are starting to open up a little bit more here in Connecticut and Deland and I really haven't been able to go out and eat very much. And so now we're trying to put a little bit more money towards our restaurant budget because we want to enjoy that experience since we haven't had it for so long. So typically I set aside maybe $150 a month for restaurants, but this month we doubled that just because we haven't hardly eaten out at all in so long. So again, it's permission to use your money in the way that you think is going to be good for that month. Stephanie Weyrauch (08:27): And then there's a section for lifestyle. So I put like my subscriptions in there. So my Peloton subscription and my Netflix subscription, and then I have a vacation with my mom, hopefully coming up. And so I've been, you know, find some hotels and stuff for that. So I've been putting that under that, and then this one's going to be big if you're in private practice insurance and taxes. So there's another section for that. So if you have your, let's say it's the month where you have to pay your quarterly taxes, or let's say, instead of saving all this money and doing it in one month, you divide it up into three months. Well then you can kind of equally divide that four month, and then that way you're not forgetting to pay it. And then of course the last line item is debt. And so how much money you're going to be spending towards your debt that month. Stephanie Weyrauch (09:20): And then what happens is it will take, it'll give you like a picture and a graph of how much you're spending. So let's see if I can bring that up. So, so basically this is my debt and how much I spend this, this past 12 months on different things. So you can see that most of what I've been spending has been on my debt is debt, the green light, this light green color, this big one, that's all how much money that I've spent on debt this year, so far this year. So, you know, Karen had mentioned the other day that deal and I paid a lot on debt and we have, since I've been on this budget, I have been dedicated to becoming debt free. Stephanie Weyrauch (10:09): And our goal has been to be debt free in a total of seven years. So right now we're in year four of that. And within those four years, we've paid off $150,000 in debt, which is a lot. And that includes the cashflowing of Deland’s medical school, plus our move that we had to cash flow from North Dakota to here in Connecticut. So I'm not saying it's easy, like I'm not saying I live a luxurious life at all, but I would say that I definitely, like Karen said, I'm able to like go, I'm able to go well before the pandemic, I'm able to go to New York city, like once a month and see Karen and like hang out with my friends. But I plan for that every month. And if something comes up where I'm not able to do that, then I just have to make sure that I don't do it. Stephanie Weyrauch (11:00): And so it takes discipline, which you're all in private practice and you've started your private practice. So you obviously are all disciplined individuals. I will say that when you're managing a budget too, it always helps to have a partner who will keep you accountable. I am a spender and Deland is a saver. And so if I had my choice, I would probably go over our budget every month. But Deland is very good at saying now, Stephanie, do you really need that. And I fortunately must admit many times no. So having an accountability partner is really important. If you're in a private practice, that accountability partner can be your spouse or your partner, or it can be your business partner, or it could be a trusted friend. So having maybe you guys are both managing budgets at the same time and you can kind of be each other's encourager. Stephanie Weyrauch (11:53): So that is something that's how I run our budget. It is definitely, I definitely don't live a very luxurious lifestyle, but I wouldn't say that I'm just sitting at home, eating ramen noodles all the time either. So I'm able to put most of the money that we spend every month goes towards debt. So probably half of our budget each month goes towards debt, but that's just because we are dedicated to making sure that we become debt free within the next four years. So, yeah. And, and there may be people on here who have no debt and don't awesome. Right? And so that part of the budget and the app, I mean, how wonderful, if you don't have student loan debt, maybe you have credit card debt, and you're putting something towards that each month. But I think if you don't have, if you're past the student loans or you didn't have to have, you didn't have to take out any student loans, then you can certainly take that money that would go to debt. Stephanie Weyrauch (12:57): It would be substantially smaller if we're just talking about credit cards and you could say, you know, I'm going to dedicate it to XYZ. Now what happens? Oh, quick question. So what was the Dave Ramsey book? I put two books. One was the total money makeover and the other's complete guide to money. I put them both in the comments section here, but where was the one that said he had like that's total money makeover. Okay. The total variable with the variable income. Yep. That's at the very back of it. And you can just copy and I mean, I'm sure that there's a copy of it too, on the internet. You could Google it and it's palatable.   Karen Litzy: Okay, great. Yeah. I think that for me, I look at, you know, this I'm taking care of your budget. I think a big part of it is writing everything down, right? It's the same way when we say to our patients to keep a journal or an exercise log, or if you've ever done weight Watchers, you have to write everything that you eat using weight Watchers. This is kind of the same thing. It sounds like this app, and you're really having to write everything down each month is definitely keeps you accountable, but also gets you into the habit of doing it. Stephanie Weyrauch (13:44): Yes. I definitely agree with that. And you know, the other thing too, that Dave Ramsey talks about in his book is he has these specific baby steps that you work towards to building wealth. So obviously I think all of our goals, some days to be financially stable and successful, right? So even utilizing his principles towards your business, I think is really important, especially because look at what happened to us during this pandemic. Stephanie Weyrauch (14:34): I mean, 80% of Americans are living paycheck to paycheck, and a lot of us needed PPP loans. And like some people's businesses just weren't prepared for this. So in his book, he talks about like having a small saving, like emergency funds, you know, paying off debt so that you can become debt free would be the next step after that. And then saving three to six months of expenses. And, you know, after this pandemic, one of the things I think I've learned is having that six months expenses saved is like so important and notice that it's six months of expenses, not six months of your monthly budget, but expenses. So then when you have an emergency, like something that you just can't even control, like you feel more in control, you're able to maybe provide more for your employees, or if you, you know, or even your help your patients out a little bit more pay your bills. Stephanie Weyrauch (15:31): And then the last three steps, which if you're a business owner, I mean, it's pay for kids' college, which you don't have to worry about that as a business owner, but pay off your mortgage. So if you have a brick and mortar practice paying that off, and then the last one would be to give charitable giving. And if there's one thing I think this will therapist are really good at it's giving to charity, i.e. giving out our services for free sometimes. So, I mean, at that point, when you're in that point in the baby steps, like you hypothetically are set enough that potentially you could do some pro bono work with your business, which would then put your business on the map as being a very solid community practice as well. So, I mean, I think a lot of the day to day principles that he talks about in the total money maker, that's meant for day to day stuff could easily be applied to business. Karen Litzy (16:21): Yeah. And I'm glad that you brought up the pro bono because the question that Gina had was, how do you decide on that pro bono? How does that fit into the budget? What kind of a sliding scale do you use and how do you do that? If you are a private practice, what kind of sliding scale are you using and how do you decide what to charge? And, you know, I say like I have a real Frank discussion with the individual patient. And if they say, you know, listen, I really need the help. If they were referred to me from another therapist who they were seeing using their insurance. And they say, you know, so-and-so says, you're the best person. You're best equipped for this. This is what I can afford. Can you do it? And because my business is at that point now where I don't, I can, I'm able to offer that kind of service. Karen Litzy (17:11): Then I say, yes, I can do it for this price. You know? So that's kind of how, and it's also depends on like, if the person, if I have to travel an hour and a half to get there and an hour and a half back, then it might not be best. Which in which case, I'm happy to find them, someone that will work for them. So I think when you're looking at the pro bono costs, if you're traveling to patients, you have to look at your travel time. You have to look at how that's going to cut into your overall budgeting and your overall key performance indicators, which we'll have a whole other talk about KPIs. But I think the bottom line is you have to know how much does your business need per month to be able to do everything you just said, right Stephanie. Karen Litzy (17:57): To be able to keep the lights on, to have shelter. So how much does your business need each month just in expenses? Have you met that goal, then? How are you able to pay for your insurance and your taxes, which I would say go into just the sheer expense of running the business. Yes. I would agree with that too. So that's the sheer expense of running the business. Do you need another new fancy gym equipment or this, that, and the other thing? No. Right. So if you can forego that to maybe help someone else at a pro bono rate or at a reduced rate, then my inclination is to forgo the fancy new treadmill and to treat the person that needs it. So I think how you decide what that pro bono rate is, I think depends on the person in front of you. Karen Litzy (18:51): And you could say, you know, you can ask, ask around and just say, Hey, listen, this is what other physical therapy practices are doing. This is what I'm comfortable with. This is what the least amount I can charge so that I break even. And I think people understand that. So I think when you're thinking about what's the lowest charge you can give to someone that would be it, or you can go perfectly free. If you can say, you know, I can treat, I can do one session free per week, and I'm still, you know, in the green and I'm not in the red, then go for it, you know, but I think you have to know how much you can make to keep your company in the green, and then you can decide, well, this would be my lowest pro bono charge. Karen Litzy (19:37): And then if someone comes in, who's really, really of need, or you're volunteering through an organization or something like that, where you're treating someone for free, then, you know, I think in my opinion, I think that's the best way to go about it. I'm sure there's some legal aspects around that. But from what I can tell in speaking with lawyers, they say, it's your rate. You know, you just have to be clear about what it is. You, Stephanie, where are you where you are? Do you have a pro bono rate?   Stephanie Weyrauch: Yeah, so typically our pro bono rate is like $40 per session is what we'll do, but we are flexible. I mean, again, our practice, luckily my boss, he's been an amazing leader throughout all of this. We didn't have to fully lay off any of our physical therapists and we have five physical therapists, but we were very strategic with how we worked and when we worked. Stephanie Weyrauch (20:30): And so we've had that freedom from kind of how we've been running our practice to allow for us to sometimes even treat patients where they pay like $10 for a session. So, I mean, it varies from situation to situation. Things that we consider is how dedicated is the patient? Is this a patient that's actually going to come to therapy? Or is this a patient that's going to flake out on us because we don't want to save them a spot and then they not show up consistently also we've had instances where we've had maybe some where we've thought the insurance was one thing and it came out somewhere else. And so we ended up using the visits that we were given and the insurance company won't give them any more visits, which is a mistake on our part. So we always want to do, we always want to do right with any mistakes that we make. Stephanie Weyrauch (21:21): That is another thing that we'll consider, or sometimes if we have a Medicare patient that can't afford their copay, you know, we'll exchange services and other ways, you know, whether it be like they come in and maybe fix something in our clinic. And then we exchange that with our services, bartering, bartering. Yeah. So, we've been able to be flexible. But again, we built up our practice enough. We've been in business now for over eight years and we're a well established in the community that we are able to do that if you're starting out, you may not be able to do it right away, but you can work up towards that as you start to manage your money and start to make a profit. Karen Litzy (22:12): Yeah, yeah. Yeah. Thanks for that example. And I think that you'll find that in most physical therapy practices, they have a pro bono rate. They work with people they're flexible. Every practice I've ever been in the owners have been super flexible because in the end, we're all in the business of getting people better. And sometimes that business, maybe doesn't yield a profit of $200 per person. Maybe sometimes it's 10, but if our business is to get people better, then that's what we want to do. And I will also say this just because that person let's say your patient needs that pro bono care, they can't, it doesn't mean that they don't know people who they will scream to the rooftops of how wonderful you are and how great you were and how easy you were to work with too. A lot of their friends or to their communities. And then all of a sudden you're bringing in more business because you did a good thing. Karen Litzy (23:05): So don't discount that. And perhaps, you know, that person can be the stellar Google review you need, they can be that video testimonial on your website. They can be that written testimonial on Yelp or on your website. So these are all ways to like, incorporate your pro bono services by saying, Hey, listen, we're happy to do this. If you're pleased with your service, if you feel better, we would love for you to put up a thing on Google or put up a review on Google or Yelp or on our website, if you're comfortable doing that. Right. I totally agree with that. That's another great way. So that's right. It's the same thing as, like I said what would the other night talking about lead magnets, put something out there that people can use. They then give you their email. And all of a sudden you've made this really fruitful transaction for the both of you. Karen Litzy (24:00): And that's what that pro bono type of situation can do. So just always think there's always ways to leverage a visit that has nothing to do with money. That's right. So, all right. So Stephanie, let's talk about if you would like to sort of wrap it up on the big budget issues that people need to be aware of. And I also put just so people know, I also put every dollar, the app in the comments as well.   Stephanie Weyrauch: Perfect. So I would say that the first thing that you need to know is you need to stick with the budget. I mean, there's no point having a budget and you don't stick with it. Accountability partner, I think is key. Having somebody there that will keep you accountable. I mean, you're in private practice. You're probably a very accountable person, but it's still good to have somebody there that asks that says, do you really need that this month? Stephanie Weyrauch (25:02): Or are you sure that this is what you want to spend on this specific line item? So having the accountability, I think is the key and sticking to your budget is the absolute key. I think that if you allow yourself to go over your budget and you're like, Oh, it's just one month that develops bad habits. You just gotta break all your bad habits right now. And that budget is like your gospel. You need to have a monthly budget meeting with your staff. If you have a staff, if you don't have a staff, it's just you with your accountability partner and say, this is what I'm going to spend. You know, I have a little bit of extra money that I can spend it on. What, what should I spend it on? Should I spend it on my charity work? Stephanie Weyrauch (25:48): Should I spend it on my debt? Should I spend it on getting new equipment and have that accountability partner help you with those decisions? If you want somebody to help you, but at least they can be there to basically ask you those questions of is this really necessary? I think if you can stick to your budget, you will feel so much better about your business. You will be less stressed. Like Karen said, you will feel like you've been like you, you have all this extra money because you know where all your money is. And the reason that the every dollar app is called every dollar is because you give every dollar a name. You don't have any extra money floating around in your budget. You put it where it goes for that month. The other thing is, is that to think of the budget as permission to spend money versus being super strict with it. Stephanie Weyrauch (26:41): So you still have the bulk amount of money that you're spending that you, that you have for the month. But, you know, if you notice again, like let's say you don't have to drive as much, you can take that extra money that you would typically spend driving and put it towards a different line item, but just make sure that your budget always adds up to all these total $0. You have nothing left. Everything is going to something in the budget and it has a name. Your budget is your baby. You would not name your baby nothing. Well, no, I'm just kidding. Karen Litzy (27:26): Yeah, no, I think that's a really great point. And even if that money is savings, right, it goes, it has a name. So nothing thing, I'm just going to leave it in the bank. It's going somewhere every month. I love that. All right. So we have stick with it. Don't break it, give it a name, anything else? And just accountability partners. Yeah. All right. Well, this was great, Stephanie, and I hope that people this gives everyone an idea of having a good starting point, downloading the app, maybe reading the book. Like I said again, to repeat the name of the book, the total money makeover by Dave Ramsey, and every dollar.com or every dollar app. And in there, it also has in the book, like Stephanie said, it also has information for people who don't have that steady every two week paycheck. But if you're an entrepreneur, it gives you ways in order to kind of work around that as well. Stephanie Weyrauch (28:27): And if you do end up, if you guys are podcast listeners, and if you download the Dave Ramsey show podcast, a lot of his podcasts focuses on entrepreneurship and on business ownership. And so he has a lot of really great advice on running a business and budgeting for business. The budget that I talked about is more, it can be both used as a personal budget or a business budget, but he does talk a lot about business ownership in his podcast as well. So I would definitely recommend checking that out. If you have extra time and want something to play in the background, it's a good podcast to listen to in the background. You don't have to sit there and like learn from it. It's just kind of there. And he's a pretty entertaining guy. Yeah. I took one of his it was like a longer course a couple of years ago. So I still have all of the materials and everything like that. So yeah, he's very entertaining and he knows what he's doing and it works. Stephanie Weyrauch (29:15): And I will say, you know, you can have a personal budget and a business budget. You don't have to have just one. You can have personal, you can have business and then you'll know exactly where literally every dollar in your business and every dollar in your personal life is going. And like I said, on our talk, you know, after reading profit first from Mike, I just found it amazing of like, yeah, I know now where every dollar is going to. So now that I know where every dollar is going to my big buckets, I can now use this to see where it goes to the very last dollar.   Karen Litzy: Right. Yeah. And like I said, when you do a budget, it's amazing how much extra money you have. And you're like, wow, I didn't know. I had all this money. What was I spending on before? Stephanie Weyrauch (30:03): Right. What kind of nonsense was I doing before?   Karen Litzy: Yeah. That's one thing that I have to tell you after instituting profit first, I was like, the hell was I doing like, seriously? What was I doing before? Because I have so much more money in savings. I don't have to worry about paying taxes. Everything's awesome. Like, what was I doing? I can't explain it, but now it's like, yeah, now I get it. Now I understand. And I feel like you know, like you said, Oh, this is a grownup thing. Oh yeah. So I was like adulting hardcore when I learned this. So I think that's great. And now Steph, before we jump off, where can people reach out to you or find you social media if they have questions?   Stephanie Weyrauch: So I'm on Facebook. Stephanie Weyrauch. Or you can find me on Instagram or Twitter at theSteph21 and I'm available on any of those platforms.   Karen Litzy: Perfect. Well, thank you so much. And everyone, thanks for indulging us, at least here in the Northeast on a very rainy, very rainy Saturday to talk about setting your budget, sticking to your budget and creating more wealth from the money you're already taking in. So Stephanie, thank you so much. And everyone, thanks so much for listening.   Thanks for listening and subscribing to the podcast! Make sure to connect with me on twitter, instagram  and facebook to stay updated on all of the latest!  Show your support for the show by leaving a rating and review on Apple Podcasts!

Step 3: Refocus “Wishing Won’t Make It So” This step helps tell you what to do when you are trying to overcome those urges to do the compulsive behavior. The key = do another behavior Facts: - The more you worry about trying to drive some foolish and bothersome idea from your mind, the less chance you’ll succeed - A key principle in self-directed cognitive behavior therapy for OCD is this: it’s not how you feel, it’s what you do that counts - The object is to pursue an activity for at least 15 minutes - this is the fifteen minute rule - When you shift behavioral gears, you improve how your brain works - As you learn to manage your anxiety, your powers of observation will improve you will develop a powerful mind, a mind that is sensitive to subtle changes and able to see the implications of those changes - Just because your orbital cortex is stuck in gear and sending you false messages doesn’t mean you have to listen to it. That’s the important mind-brain discovery around which our UCLA team has structured the Four-Step program - By practicing these step, you will be able to expose yourself for longer and longer periods to those terrible thoughts and urges without performing compulsive ritual in response to them - There is a spiritual aspect to overcoming OCD, as well as a biological one (page 76) - As you do few compulsive behaviors and pay less and less attention to your obsessive thoughts - work around the thoughts - those thoughts and urges will fade more and more quickly - As human beings we have the capacity to observe our own behavior, to use our Impartial Spectator, to increase our mindful awareness, and to make thoughtful decisions about how we’re going to value and respond to the signals our brain is sending us As a recap so far: #1 Relabel - call it what it is, an obsession #2 Reattribute - place the blame squarely where it belongs by reminding yourself, “it’s not me, it’s the OCD” #3 Refocus - walk away from the sink without washing your hands and do something worthwhile that makes you happy Reframe what OCD means to you. Here’s a positive way to look at it: - People with OCD tend to be creative, sincere, and very intense - You’re always figuring out exercise that will help you help yourself - You have the power to change your behaviors. Learn how to start relying on yourself again Relationship OCD: - Just let your thoughts go by without trying to figure them out - Trust and believe that you can manage your OCD, rather than allow it to manage you - As you implement the Four Steps you will gain confidence that you can prevail (Like Anna in the book says) - Shift and reframe your thoughts - Remember that even if your obsessions and compulsions reappear they will never again have the same power over you (Like Karen says in the book) Remember, you must be active. You must practice these steps --- Send in a voice message: https://anchor.fm/foundfamily/message

Thank you for joining us on the most important episode we've published to date, and perhaps will be the most important episode we will publish - for more reasons than we could possibly articulate here in written text. In this episode, we discuss the inescapably difficult but exceedingly important matter of quality versus quantity life - when given a terminal diagnosis. It is impossible to convey our saddened we are that a dear friend to this show, Dr. Karen Rees-Milton (who joined us on episode 27), is bravely surviving a terminal diagnosis. As a true reflection of her character, commitment, and passion for life, Karen wishes to broach with us just how important it is for communication between doctors and patients about the end of life. We are also so grateful to be joined by Dr. Sarah McLean, an Assistant Professor of Physiology & Pharmacology and Anatomy & Cell Biology at Western University's Schulich School of Medicine & Dentistry. Like Karen, Sarah is an expert in cancer research - and she too has directly experienced the pains of being a centre for communication for and between her brothers, doctors, and her dear father, who she lost very quickly to cancer in the summer of 2019. Karen and Sarah are experts in cancer research, and their direct experiences with cancer make for a particularly important conversation. As you will see, doctors do not always communicate quickly or efficiently about terminal diagnoses. The very human impulse to make people happy in desperate situations often creates moral ambiguity that distracts from the hard but important conversation about whether or not often debilitating treatments are worth one's precious time. We hope that you will use this episode as a guide to help you when faced with these difficult matters, as we all will inevitably deal with them - one way, or another.    As mentioned in the episode, please visit the London Regional Cancer Program, the Zane Cohen Centre for Digestive Diseases, Kingston General Hospital's Endoscopy Unit, and Jayne Dill's (RN) New Before You Go - a wonderful woman and tremendous resource for helping us navigate matters of value, wishes, and communication when dealing with the end of life.   Follow your hosts: @Derekcrim | @whatsthatdata | @wtncast Dr. Sarah McLean can be followed on Twitter @drsarahmclean Email us Subscribe for updates   Follow us on Apple Music and Spotify 

Dr Karen Debbie Cradle is back! This season, Karen's counselling rich and famous celebrities* in the Hollywood hills. She's got stars in her eyes and the sky's the limit; look out Phil, there's a new Dr in town. Season 2 begins mid-November 2019.*improvisersFollow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle. 

***Become a patron and get exclusive Mind Flipper access and benefits. Visit https://www.patreon.com/mindflipping Thank you for your support!!!!*** Join me today as I discuss mind flipping, hardship, love, vulnerability, and finding joy in life with fellow mind flipper, coach, and author Karen Aberle, who wrote Love’s Invisible Dance: The 7 Keys to Authentic, Joyful, and Lasting Relationship. As a coach, she teaches individuals and corporations how to navigate through hardship in relationship, see challenges as opportunities, and change how we see life in order to find joy, satisfaction, love, and inner peace.   Show Notes: Karen’s first mind flip and why hardship is an opportunity (0:00-3:15) How divorce and career changes led to Karen’s initial eureka moments. How the language you use helps build the reality that you live in. Karen discusses six “linguistic moves” to express intention in language. Learn the three ways to create your world through the words you use. Why people struggle to distinguish facts from opinions, and how this can create frustration in the world. Why Karen chose to leave the “s” off of “relationship” in her book title. Why understanding the active role of “relationship” is important in learning how to dance life’s dance. Why we don’t learn “relationship” in school, and why Karen believes we should. How a traditional Shaman vision quest led to a spiritual mind flip in Karen’s marriage. Why it is important to recognize the interconnectedness of the world.   The Spackle Round   Karen’s interesting and powerful word or phrase of the day! Why it’s important to be vulnerable. The three commitments that people need to make to each other in order to create an enduring and lasting relationship with one another. One important question to continue to ask the people you love. A special request for listeners!   Additional Resources from the Show: Learn more about Karen and begin your mind flipping journey with her today! Buy Karen’s book and learn the 7 ways to create authentic, joyful, and lasting relationship! Read more on Relationship on Karen’s blog! Like Karen’s page on Facebook & her Instagram for Relationship wisdom! Sign up with your e-mail to receive updates on Rick’s Mid-America Hypnosis Training Classes!   If you would like to contact Rick, you can send him an audio message, use the contact page HERE  or in connect with him in the Mind Flipping Facebook Group. Let’s keep the mind flipping conversation going, together!

Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle. All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com. Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT:  Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips. 

 Follow Karen on Instagram @whyareyouherepod and Twitter @whyruherepod. Like Karen on Facebook @karendebbiecradle.  All episodes mixed and mastered by Ross Garrett at Mercury Switch Mastering, Franklin ACT: Instagram @mercuryswitch | Facebook @mercuryswitchlab | mercuryswitchmastering.com.  Artwork by Elyce Phillips: Instagram @elyce.phillips | Twitter @ElycePhillips.  Music for this episode was sourced from Bensound.com.