Podcasts about llc

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Conspiracy no more, Germany and the EU shutting down energy production while China was increasing theirs. This tells you everything you need to know. Trump tariff system is getting stronger, it’s improving the economy and this is something the [CB] does not want. The [CB]s are losing control over the Fed, watch gold and silver. Trump need to wake the people of this country up. The only way to do this was to have the people go down a path that would make the uncomfortable, scared and angry, this is how you break the brainwashing. People can now see it is the tryrants against the people of this country. The picture is clear. Every step of the way the [DS] is losing their grip on the people. The people are ready to take back the country.   Economy https://twitter.com/HansMahncke/status/2018402875693580744?s=20   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/2018664901959462953?s=20   ended in June 2025, when missed payments began appearing on credit reports. Meanwhile, the percentage of student loans transitioning into 90+ days of serious delinquency is up to 14.3%, an all-time high. This significantly exceeds the 2013 peak of 10.5% and 2008 levels of 7.5%. The student loan crisis is accelerating. https://twitter.com/profstonge/status/2018663257675018691?s=20 Political/Rights https://twitter.com/AnthonyGalli/status/2018716797864661049?s=20 https://twitter.com/luvgod/status/2018390600475644333?s=20  Code of Conduct explicitly requires justices to avoid impropriety and the appearance of impropriety, including political activity that undermines public confidence in judicial independence. https://twitter.com/RichardStiller4/status/2018460663329472526?s=20   https://twitter.com/amuse/status/2018673649985683709?s=20   https://twitter.com/WallStreetApes/status/2018551227416756485?s=20   drive from these people?” This is what she said happened: ‘My friend told us about a dive burger place in Minnesota that we absolutely had to try. As we were driving in, we passed a small group of maybe 30 people holding large “F ICE” signs, spelled out. Many of the houses in the neighborhood also had signs saying “F ICE” and similar messages. When we were leaving to drive back to the hotel, we passed the group again. At that point, the resistance group stepped out in front of our car and would not let us drive. One woman appeared to be looking at our license plate and doing something on her phone. She was standing directly in front of the car, blocking us — I cannot imagine being a sane person and living in this city. We were with my brother-in-law's family, and they said that restaurants and other places are empty because of this, the resistance is out doing their thing, and the normal people are just staying home and not going out.' https://twitter.com/CynicalPublius/status/2018412853435527587?s=20 https://twitter.com/CynicalPublius/status/2018416970111311967?s=20 the execution of federal laws. Further, as we have all seen in innumerable videos, this conspiracy includes the use of violent force. I think everyone–even Democrats–must agree that what I just said is true. Now read 18 U.S.C. § 2384 (Seditious conspiracy): “If two or more persons in any State or Territory, or in any place subject to the jurisdiction of the United States, conspire to overthrow, put down, or to destroy by force the Government of the United States, or to levy war against them, or to oppose by force the authority thereof, or by force to prevent, hinder, or delay the execution of any law of the United States, or by force to seize, take, or possess any property of the United States contrary to the authority thereof, they shall each be fined under this title or imprisoned not more than twenty years, or both.” Draw your own conclusions as to what is required here. https://twitter.com/BNONews/status/2018389609563017674?s=20   CBS News is parting ways with contributor Dr. Peter Attia, a prominent longevity physician, after Epstein documents revealed over 1,700 mentions of his name and emails showing a close friendship, including Attia’s 2015 note on Epstein’s “outrageous” life he couldn’t share and a 2016 lewd quip about “pussy” being low-carb.   https://twitter.com/FFT1776/status/2018490549733322850?s=20  interview instead of sworn testimony • Withdrawal of the subpoena before testifying • A pause on contempt proceedings • A hard 4-hour time limit • 30-minute alternating question blocks • A personal transcriber of Clinton's choosing • No video recording • Written statements for Hillary Clinton instead of appearing in person Congress said no.: No carve-outs. No special rules. No special treatment. Testify under oath. Thank you Rep. Comer https://twitter.com/RepJamesComer/status/2018740003501678769?s=20  Secretary Clinton will appear for a deposition on February 26, 2026. After delaying and defying duly issued subpoenas for six months, the House Oversight Committee moved swiftly to initiate contempt of Congress proceedings in response to their non-compliance. We look forward to now questioning the Clintons as part of our investigation into the horrific crimes of Epstein and Maxwell, to deliver transparency and accountability for the American people and for survivors. NO BODY IS ABOVE THE LAW 2725 Feb 14, 2019 11:46:33 PM EST Q !!mG7VJxZNCI ID: 46cb93 No. 5182398  Chatter – Bill & Hillary's ‘public' HEALTH will begin to rapidly deteriorate. Q DOGE   illegalities that they have committed. This should be a Criminal, not Civil, event, and Harvard will have to live with the consequences of their wrongdoings. In any event, this case will continue until justice is served. Dr. Alan Garber, the President of Harvard, has done a terrible job of rectifying a very bad situation for his institution and, more importantly, America, itself. He was hired AFTER the antisemitism charges were brought – I wonder why??? We are now seeking One Billion Dollars in damages, and want nothing further to do, into the future, with Harvard University. As The Failing New York Times clearly stated, “Some connected to the University, however, think Harvard has no option but to eventually cut a deal. The Administration has repeatedly attempted to cut off research grants, which would be an untenable crises. Like many major research universities, Harvard relies on federal funding for its financial model.” Thank you for your attention to this matter! President DONALD J. TRUMP  Macron's Authorities Raid Elon Musk's X French Offices in Paris Under the direction of France's globalist President Macron, French authorities escalated their confrontation with American tech entrepreneur Elon Musk this week, launching high-profile raids of X's offices in Paris and summoning Musk himself for what prosecutors termed a “voluntary interview.” The move marks a dramatic intensification of France's long-running effort to rein in the America-based free-speech platform. According to the Paris public prosecutor's office, the operation was carried out by French cybercrime units with assistance from Europol, targeting the French premises of X. Authorities claim the investigation centers on whether X's algorithm improperly influenced French political discourse. Summonses were issued to Musk and former X CEO Linda Yaccarino, calling them to Paris in April 2026 to answer questions related to the probe. Yaccarino, who stepped down last year, is listed alongside Musk as a manager during the period under review.   French prosecutors later broadened their inquiry, citing concerns related to X's AI chatbot Grok, including claims it produced offensive or false content. Musk's company responded by correcting errors, removing disputed posts, and publicly documenting its moderation actions—steps critics say would have been praised had they come from a European firm. Source: thegatewaypundit.com https://twitter.com/disclosetv/status/2018625815114567850?s=20 https://twitter.com/JudiciaryGOP/status/2018683758006665352?s=20   far-reaching Digital Services Act thread   https://twitter.com/elonmusk/status/2018732491125727232?s=20   with social media platforms to pressure them to censor political speech in the days before the vote. Leading up to the Dutch elections of 2023 the EU commission even made the then Dutch Interior Ministry @hugodejonge a “trusted flagger” entitled to make priority censorship requests under the DSA. What kind of political speech did they want to censor, you ask? – “Populist rhetoric” – “Anti-government/anti-EU content” – “Anti-elite” content – “Political satire” – “Anti-migrant and Islamophobic content” – “Anti-refugee content/anti-immigrant sentiment” – “Anti-LGBTQI content” – “Meme subculture” In other words, anything that goes against their agenda, anything remotely right-wing or conservative, and anything pertaining to the disastrous migrant situation we have here in Europe. And guess what the only platform was that did not cooperate? @X , of course. The same platform that the EU is fining for 120 million euros under the DSA and the same platform that is currently having its offices raided in France. This is the type of stuff over which governments should resign and institutions like the EU should fall. Democracy is dead. Abolish the EU! Now! https://twitter.com/disclosetv/status/2018644283096523244?s=20  turning “algorithmic manipulation and amplification of illegal content into a new criminal offense” and developing a new system to monitor hate, “because spreading hate must come at a cost.” Geopolitical https://twitter.com/JackInTully/status/2018663771213086808?s=20   https://twitter.com/Geiger_Capital/status/2018711873240105407?s=20 War/Peace https://twitter.com/BehizyTweets/status/2018029749889638850?s=20 https://twitter.com/SteveGuest/status/2018505966765924723?s=20 https://twitter.com/nicksortor/status/2018750332231131642?s=20  has a range of options, including military force. Iran knows that better than anyone. Look no further than Operation Midnight Hammer!”    U.N. Facing ‘Imminent Financial Collapse' Admits Secretary General as Countries Won't Cough Up Membership Fees The United Nations is facing an “imminent financial collapse” as member states refuse to cough up billions of dollars in mandatory contributions. The financial woes were laid out in an emergency letter from Secretary-General António Guterres sent to all 193 member countries. Guterres said the organisation's financial crisis is worsening rapidly, threatening the delivery of core programmes and potentially leaving the U.N. bankrupt by July. He urged member states to either pay what they owe in full or agree to sweeping changes to the UN's financial rules to avoid collapse. “Either all member states honour their obligations to pay in full and on time—or member states must fundamentally overhaul our financial rules to prevent an imminent financial collapse,” he wrote. The warning comes as the United States, the U.N.'s largest contributor, has refused to fund the organisation's regular and peacekeeping budgets and has withdrawn from multiple UN agencies.    The Trump administration has repeatedly criticised the U.N. for wasting taxpayer dollars, appeasing criminal regimes and infringing on the sovereignty of the U.S. and other member nations. Several other member states are also in arrears or have declined to pay their assessed contributions. Source: thegatewaypundit.com Medical/False Flags https://twitter.com/liz_churchill10/status/2018439093420536119?s=20 FBI Raids ILLEGAL Biolab Inside a Private Home in Las Vegas — Authorities Discover THOUSANDS of Vials, Links to CCP-Connected California Lab Federal agents with the FBI and the Las Vegas Metropolitan Police Department executed a dramatic early-morning raid on a residential property in northeast Las Vegas this weekend after investigators uncovered what appears to be a fully operational illegal biological laboratory inside a private home. Refrigerators containing unknown liquids and vials of suspected biological material were found inside the residence, prompting an aggressive response from HazMat teams, SWAT units, and FBI specialists due to the potential threat presented by the materials, The Hill reported. At least one individual was taken into custody in connection with the Las Vegas raid, identified by local officials as a 55-year-old property manager, Ori Solomon. He is currently booked on felony charges linked to the improper disposal of hazardous waste, though investigators continue to determine the full scope of charges that may arise. Property records reveal that the Las Vegas home is owned by “David Destiny Discovery, LLC,” according to The Sun. If that name sounds familiar, it should. It is a shell company registered to Jia Bei Zhu (also known as David He), the very same Chinese national who ran the illegal Reedley, California biolab exposed in 2023. Zhu, a fugitive from Canada with deep ties to the Chinese government, is currently in federal custody. The FBI has taken the lead in analyzing the more than 1,000 samples collected from the scene, with evidence transported to federal laboratories for further testing. https://twitter.com/RepKiley/status/2018514131876213199?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018514131876213199%7Ctwgr%5E1616a599ecdcff26961307ece268007bf47acbbc%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Ffbi-raids-illegal-biolab-inside-private-home-las%2F Source: thegatewaypundit.com https://twitter.com/WarClandestine/status/2018714265247453494?s=20 https://twitter.com/liz_churchill10/status/2018321118000476222?s=20   https://twitter.com/elonmusk/status/2017614901028786500?s=20   [DS] Agenda BREAKING: Jill Biden's Ex-Husband Arrested and Charged with Murder of His Wife Jill Biden's ex-husband Bill Stevenson was charged with first-degree murder of his wife, Linda Stevenson. Last month police swarmed Stevenson's home after his wife died amid a domestic dispute. Police removed several items from the Stevenson home last month. 64-year-old Linda Stevenson, wife of Jill Biden's ex-husband Bill Stevenson, was found unresponsive after police arrived to the New Castle, Delaware, residence late Sunday night. According to TMZ, Linda Stevenson was found dead in the living room. TMZ obtained 911 dispatch audio, which references cardiac arrest: According to TMZ, Stevenson is being held on a $500,000 bond. Fox 29 reported:   Source: thegatewaypundit.com https://twitter.com/WallStreetApes/status/2018513235868299678?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018513235868299678%7Ctwgr%5E6abdb9eedc5852ca532cc2c248c01795a00b5389%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fjust-days-before-ayanna-pressley-was-sworn-her%2F https://twitter.com/MrAndyNgo/status/2018549471160734081?s=20 https://twitter.com/TriciaOhio/status/2018419624295960839?s=20 https://twitter.com/libsoftiktok/status/2018741593071648855?s=20 Media's Bogus Minneapolis Narrative About to Be Nuked As DHS Turns on the Cameras Department of Homeland Security (DHS) Secretary Kristi Noem announced Monday that all immigration officers working in Minneapolis will start wearing body cameras as an added layer of protection for those officers and, presumably, against the false narratives being pushed by the left after a series of deadly officer-involved incidents in the sanctuary city. Source: redstate.com https://twitter.com/libsoftiktok/status/2018536832489889937?s=20 https://twitter.com/TriciaOhio/status/2018502877321334812?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018502877321334812%7Ctwgr%5Efce8ad7eb6d8fb345b1483e2b135162684061896%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fsmoosieq%2F2026%2F02%2F03%2Ftps-decision-n2198777 for decades.   Temporary means temporary and the final word will not be from an activist judge legislating from the bench. https://twitter.com/grok/status/2018537805073330361?s=20 cases like Haitians may face ongoing challenges. President Trump's Plan https://twitter.com/profstonge/status/2018490184677900551?s=20 https://twitter.com/profstonge/status/2018680520549257396?s=20   better. He is running because he realizes Thomas Massie has been totally disloyal to the President of the United States, and the Republican Party. He never votes for us, he always goes with the Democrats. Thomas Massie is a Complete and Total Disaster, we must make sure he loses, BIG! https://twitter.com/MarioNawfal/status/2018488252219699617?s=20 https://twitter.com/seanmdav/status/2018397484209635625?s=20  to defund ICE   OPPOSE: 58% https://twitter.com/nicksortor/status/2018712280645484664?s=20 https://twitter.com/TheStormRedux/status/2018473020835192964?s=20   complying voluntarily – They are suing the states that are not complying in the next couple weeks – 24 states + DC in current litigation because they are making all kinds of excuses Gee I wonder why these states won't share their voter rolls? Because it's all a fraud. The jig is up. Harmeet went on to specifically discuss the FBI raid in Georgia. “We're going to figure out the logistics there with the court and with our colleagues and see what those ballots show. I think it was highly unusual. A lot of things that happened in 2020 in the swing states… We're going to see what we see and whatever the evidence shows, I think it's important for the American people to know what happened in Fulton County and in Georgia…”  Don't tell me nothing is happening! WSJ Anonymous Hit Piece On Gabbard Is Based On Complaints That ‘Weren't Credible' ‘Here's the truth: There was no wrongdoing by @DNIGabbard, a fact that WSJ conveniently buried 13 paragraphs down,' a DNI official said. https://twitter.com/alexahenning/status/2018313944360702063?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018313944360702063%7Ctwgr%5E2d40da39babc1191fd219e747e9e7022814c8641%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fthefederalist.com%2F2026%2F02%2F03%2Fwsj-anonymous-hit-piece-on-gabbard-is-based-on-complaints-that-werent-credible%2F   Gabbard were not credible. Source: thefedearlist.com https://twitter.com/HansMahncke/status/2018367694823735378?s=20   fabricated source feeding supposedly ultra-sensitive information that sends everyone chasing a lie. So yes, exactly like a le Carré novel (by the way, the fraudulent Steele dossier followed the same le Carre blueprint).   https://twitter.com/DNIGabbard/status/2018504435769520156?s=20   nation and ensure the integrity of our elections  https://twitter.com/TheStormRedux/status/2018463747095003285?s=20  willfully defrauds the residents of a state of a fair and impartial election process. “In other words, the focus of this investigation, the focus of that raid, the reason that federal judge approved that raid, was that they're looking at possible crimes related by election workers and the administration of that election in 2020.” Can't wait to see how this plays out  https://twitter.com/realLizUSA/status/2018692087345025302?s=20 https://twitter.com/MarioNawfal/status/2018553787036623201?s=20   South, Midwest, and Mountain West. Democrats are largely confined to the coasts and a handful of Midwest holdouts like Illinois and Minnesota. This is where policy actually gets made. Abortion, elections, education, guns. It all starts here. https://twitter.com/CollinsforTX/status/2018698529036808560?s=20 https://twitter.com/EricLDaugh/status/2018703572016287879?s=20   https://twitter.com/Geiger_Capital/status/2018717121425834279?s=20 https://twitter.com/RepLuna/status/2018480826741055929?s=20  is through the standing filibuster. This would effectively keep the government open while allowing Republican senators to break through the “zombie” filibuster and put the SAVE America Act up for a vote on the Senate floor. The standing filibuster is not common parliamentary procedure, but it is one of the only mechanisms available to go around senators who want to block voter ID. @LeaderJohnThune we are very pleased that you are discussing the standing filibuster, and we believe you will go down in history if this is pulled off as one of the best leaders the Senate has ever had. Voter ID is a must, and the ball is now in your court. https://twitter.com/AwakenedOutlaw/status/2018510290653155445?s=20 https://twitter.com/CynicalPublius/status/2018439757227819347?s=20   IMMEDIATELY blasted off like gangbusters. In one year we have seen more productive conservative change in the federal government than with every other GOP president since Reagan combined. Trump has significantly degraded the Deep State in a way most of us could only dream of ten years ago. Moreover, Trump's economic policies are bearing fruit right now and we will likely see a very strong economy by the midterms. But… Ah yes, the midterms. I know so many of you will only be happy when Bill Clinton, Hillary, Obama and Joe Biden are in jail, but you need to join the world of reality. Right now Trump and his team are gauging everything they do through the lens of “How will this effect the midterms?” They have sophisticated polling that you and I will never see, and at the moment every Trump action is tempered by “Let's be aggressive but not in such a way it turns public opinion against us before the midterms.” Trump knows that if he loses the midterms, all is lost. The Dems will constantly impeach him and most of his cabinet, and even if the Senate never convicts, the acts of impeachment will grind the Trump machine to a halt. The midterms are everything. So I'm warning you, from now until November you are going to see a less aggressive Trump If you are a Doomster for whom nothing is ever enough, you need to understand why that is. But here is the good news. I believe that one day after the midterms Trump will once again go shock and awe for a year, and then back off again in 2028 to get JD or Rubio elected. (For example, I can easily see Trump taking zero drastic action in the near term to further inflame the Minnesota situation, but invoking the Insurrection Act the day after the midterms and sending in the 82nd.) Since the Super Bowl is coming up, consider it this way: In the first quarter, Trump ran up the score. In the second quarter, he went prevent defense to hold onto the lead. After halftime, once again in the third quarter he will run up the score, and then hold the lead in the fourth quarter to win the game. This is not Qtard “trust the plan” nonsense. This is simply good political strategy. Everyone needs to realize two things: (1) the Constitution includes checks and balances that inherently weaken the absolute power of each branch and (2) even though they are in the minority, Democrats still have a HUGE say. Our system is DESIGNED THIS WAY. We have to account for the opposition—you cannot ignore them. With that in mind, I have every confidence that Trump and his team will navigate through a treacherous course and come out on the winning side. I’m hoping this post makes the things you see in the months ahead more comprehensible. Have a nice day. https://twitter.com/nicksortor/status/2018742785017336107?s=20   the SAVE Act is not included in the government funding bill that advanced via the 217-215 House procedural vote on February 3, 2026. That legislation is a $1.2 trillion spending package funding most federal agencies through September 30, 2026, while extending funding for the Department of Homeland Security only through February 13, 2026, to allow for further negotiations on immigration enforcement. Efforts by some conservative Republicans to attach the SAVE Act—a separate bill requiring proof of U.S. citizenship for federal voter registration—were rejected during the process, following calls from President Trump to pass the package without changes.  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Are ICE error rates actually rising, or is the media ignoring the data? In this episode, Professor Nick Giordano and John Lott, President and Founder of the Crime Prevention Research Center, expose the reality of ICE enforcement, Trump's immigration record, and the statistics the mainstream media refuses to cover.    Despite the headlines, the data reveals a different story about U.S. immigration policy. From the "organized movement" against ICE to the truth about American citizen detentions, we break down why public perception is so disconnected from reality.   What You'll Learn in This Episode The Trump vs. Obama Record: How historical ICE error rates compare across administrations. The Myth of "Citizen Sweeps": The actual statistical likelihood of ICE mistakenly detaining U.S. citizens. Sanctuary Policies & Safety: How local law enforcement cooperation, or the lack thereof, directly impacts community outcomes. Funding the Protest: A look at the organized and funded movement designed to disrupt ICE operations. Media Bias: How narratives around "complex causes" of detention deaths are framed to shape public opinion. Why public support for deportation policies remains strong despite media narratives

Every advisor wants more referrals, but very few have built a business that consistently earns them.In this conversation, I sat down with Duncan MacPherson to unpack what actually makes an advisory firm referable. Duncan is the founder of Pareto Systems and one of the most respected coaches in financial services, with nearly 30 years spent working alongside top advisory firms. He explains why the advisors who scale fastest stop pitching products, start positioning a clear planning process, and build businesses that get found instead of chased.3 of the biggest insights from Duncan MacPherson…#1.) Advisors Don't Need More Referrals, They Need to Be ReferableMost advisors focus on asking for referrals, but Duncan explains why that actually creates friction. The real breakthrough happens when clients clearly understand (and can easily explain) what makes your process different. #2.) The Best Advisors Don't Sell Products, They Position Their ProcessThe biggest shift in financial services isn't technology, it's philosophy. The most successful advisors have moved on from pitching products by effectively using branding and clearly articulating a proprietary process, creating deeper engagement, stronger loyalty, and a business that scales without becoming more complicated.#3.) A Business That Depends on You Is a Business That Limits YouOne of the clearest signals of a healthy business is whether it can operate without the founder's constant presence. Duncan explains why documenting intellectual property, empowering teams, and depersonalizing the business isn't about ego—it's about freedom, sustainability, and enterprise value. SHOW NOTEShttps://bradleyjohnson.com/154FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP02255163072See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Estate planning sounds complicated, but it's a lot simpler than dealing with the mess of not having a plan. Because if you don't write one, the government will. In this episode, VP of Estate Planning at Carson Group, David Haughton, breaks down what it really costs families and business owners when they avoid estate planning. You'll learn why your estate plan shouldn't be a one-and-done document, the assets most people don't realize they have, and how the same tax-saving strategies you hear about billionaires using can work for you too. Topics discussed: Introduction (00:00) David's career and passion for estate planning (01:45) Why estate plans are important for everyone (05:57) Top things people need to know about estate planning (10:35) What business owners need to know about estate planning (14:15) David's asset-by-asset approach to dividing your estate (17:07) The billionaire estate tax saving strategy (20:53) How he uses humor to educate people on estate planning (25:00) Why Carson Group was the right fit (27:09) What brought you JOY today? (28:37) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with David Haughton: LinkedIn: https://www.linkedin.com/in/david-haughton-jd-cpwa%C2%AE-2286396a/ Website: https://www.carsongroup.com About Our Guest: David Haughton is the VP of Estate Planning at Carson Group. He helps advisors and high-net-worth families turn complex estate and tax planning challenges into clear, actionable strategies. He was a former Senior Corporate Counsel at Wealth.com - the industry's leading estate planning technology solution for financial professionals. He is also a frequent speaker and writer on financial planning topics, including being featured in such publications as Michael Kitces' Nerd's Eye View blog, the Journal of Financial Planning, and InvestmentNews. Prior to joining Wealth, he worked for Commonwealth Financial Network - helping to provide thought leadership and financial planning support for advisors - including estate, trust, charitable, education, business, and social security planning strategies. To start his career, he was an attorney in private practice in Massachusetts and Southern New Hampshire. He has experience representing individuals and companies in bankruptcy, as well as engaging with many other general practice areas. For the latter part of his career in private practice, he exclusively practiced in the areas of elder law and estate planning and administration. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

Our heroes find themselves in combat against a nightmare come to life: a Drider-like automaton creature who is hanging from the ceiling and trying to capture them with mechanical tendrils.This episode was named by our Patron member Ben and voted on by all of our patrons. They also get the outtakes at the end of episodes.Other names included:A Fight, a Rescue and a Horrific DiscoveryMoxie Has a New FriendWe would love for you to become a Patron of our podcast You can join us on our Patreon Page.Cast:Brook Bullock - Dungeon Master (Twitter)Kyri Hester - Moxie, Tiefling Bard (Instagram)Connor Shenold - Sable, Half-elf RogueJohnnie Payne - August E. Greymoor, Human Fighter (Instagram)Michael Cross - Dr. Elias Stone, Human Cleric (Twitter)Special Thanks:Theme Music - Ovani SoundSound Effects and additional music courtesy of Jeffrey McBride (Facebook) Table Top Audio, dScryb.com , and Monument StudiosRed Dirt DnD Music and sound effects management sponsored by Soundly.Dice for the cast of Red Dirt DnD provided by Esty Way Gaming.You can find Red Dirt DnD on Facebook and on our website: RedDirtDND.comThere's also new content on our YouTube pages, just search for Red Dirt DnD.We would love for you to become a Patron of our podcast, you can join us on our Patreon Page.Red Dirt DnD is a Red Dirt RPG, LLC production.

Think your investment losses are about bad stock picks? Think again. Certified financial therapist Erica Wasserman reveals why 90% of your financial decisions are driven by emotion, not logic, and how your seven-year-old self still controls your money mindset today. Whether you're panic-selling during market dips, avoiding money conversations with your partner, or wondering why you can't seem to build wealth despite knowing all the “right” strategies, this episode will change how you think about money. Erica shares her MONEY Method for productive financial conversations, and provides actionable tools to help you rewrite the unconscious money scripts that are sabotaging your success. If you've ever felt anxious checking your portfolio, guilty about spending, or stuck in the same financial patterns despite your best intentions, this is the conversation you need to hear. For more, read Liz's column every Thursday at ⁠⁠⁠⁠⁠⁠⁠On The Money⁠⁠⁠⁠⁠⁠⁠ by SoFi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and follow Liz on Twitter ⁠⁠⁠⁠⁠⁠⁠@LizThomasStrat⁠⁠⁠⁠⁠⁠⁠. Additional resources: ⁠⁠⁠⁠⁠⁠⁠On The Money⁠⁠⁠⁠⁠⁠⁠: Sign up for SoFi's newsletter for intel, insights, and inspo to help you get your money right. ⁠⁠⁠⁠⁠⁠⁠Investing 101 Center⁠⁠⁠⁠⁠⁠⁠: At SoFi, we believe investing is for everyone — which is why we've created a hub with info for beginners and experts alike. Start exploring to get investment education, advice, resources, and more. ⁠⁠⁠⁠⁠⁠⁠Wealth Investing Guide⁠⁠⁠⁠⁠⁠⁠: Information you need to know to make your money work harder for you. This podcast should be used for informational purposes only and not deemed as a recommendation. Our Automated investing is via SoFi Wealth LLC, and is a registered investment advisor. Our Active investing is via SoFi securities LLC, member FINRA/SIPC. For additional disclosures related to the SoFi Invest® platforms, please visit www.⁠⁠⁠⁠⁠⁠⁠ SoFi.com/Legal⁠⁠⁠⁠⁠⁠⁠. ©2026 Social Finance, Inc. All Rights Reserved.

President Trump announced on Monday that the U.S. would create a domestic stockpile of critical minerals for civilian use — essentially a Strategic Petroleum Reserve, but for lithium, copper, rare earths, and other rocks central to electronics and decarbonization.It's one of many experimental and unusual steps that the administration has taken to boost U.S. mineral production over the past 13 months. But are any of those plans working? What could improve — and what does any of this mean for clean energy?On this week's Shift Key, we talk to someone who saw these policies up close. From 2023 to 2025, Nathaniel Horadam worked on electric vehicle and mineral policy at the Department of Energy's Loan Programs Office, eventually overseeing the office's critical mineral portfolio last year. The office is the department's in-house bank (it's since been rechristened the Energy Dominance Financing Office) and it runs some of the federal government's most ambitious industrial policy.Horadam is now founder and president of Full Tilt Strategies, LLC, and he writes about mineral issues for his Tailings substack. He joins us to discuss what's working, what's not working, and what needs to improve. Shift Key is hosted by Robinson Meyer, the founding executive editor of Heatmap, and Jesse Jenkins, a professor of energy systems engineering at Princeton University. Jesse is off this week.Mentioned:Final 2025 List of Critical MineralsReuters: US moves away from critical mineral price floors“What exactly are ‘Critical Minerals'?,” by Nathaniel HoradamThe Secure Minerals Act, by Senators Todd Young and Jeanne ShaheenThe Pentagon's Rare Earths Deal Is Making Former Biden Officials Jealous--This episode of Shift Key is sponsored by ...Accelerate your clean energy career with Yale's online certificate programs. Explore the 10-month Financing and Deploying Clean Energy program or the 5-month Clean and Equitable Energy Development program. Use referral code HeatMap26 and get your application in by the priority deadline for $500 off tuition to one of Yale's online certificate programs in clean energy. Learn more at cbey.yale.edu/online-learning-opportunities.Music for Shift Key is by Adam Kromelow. Hosted on Acast. See acast.com/privacy for more information.

Join Joe Pisapia, Chris Welsh, and Scott Bogman LIVE on Twitch every Monday afternoon at 2:00 PM ET at twitch.tv/fantasypros. The guys discuss everything happening in the football world, both in fantasy and in reality, while having some fun along the way! Timestamps: (May be off due to ads) Intro - 0:00:00 Catching up on Coaching News & Predictions - 0:03:01 Fernando Mendoza or Mr. Rogers - 0:17:01 FantasyPros Twitch Streams - 0:26:45 Fact Or Fiction? - 0:27:11 Super Bowl Picks - 0:37:15 Helpful Links: Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, MI, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, MI, NJ, OH, TN, VA). Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Modern life imposes an invisible "stress tax" on your nervous system through complex and chaotic electromagnetic fields that disrupt cellular timing and mitochondrial function. Aires CEO Josh Bruni joins me to explain why structuring these chaotic signals is the essential next step in environmental wellness. By mitigating this "invisible noise," you allow your body to stop fighting its environment and start functioning as it was meant to.   CLICK HERE TO BECOME GARYS VIP!: https://bit.ly/4ai0Xwg Connect with Josh Bruni Website: https://bit.ly/4a3Duze  YouTube: https://bit.ly/4a3Dz60  Instagram: https://bit.ly/4a3MyV2  Facebook: https://bit.ly/3OakMyx  X: https://bit.ly/4bpkm0Z  LinkedIn: https://bit.ly/3ZFora8  Thank you to our partners A-GAME: “ULTIMATE15” FOR 15% OFF: http://bit.ly/4kek1ij  AION: “ULTIMATE10” FOR 10% OFF: https://bit.ly/4h6KHAD  AIRES: "ULTIMATE20 " FOR 20% OFF: https://bit.ly/4a3Duze    BAJA GOLD: "ULTIMATE10" FOR 10% OFF: https://bit.ly/3WSBqUa  BODYHEALTH: “ULTIMATE20” FOR 20% OFF: http://bit.ly/4e5IjsV  CARAWAY: “ULTIMATE” FOR 10% OFF: https://bit.ly/3Q1VmkC  COLD LIFE: THE ULTIMATE HUMAN PLUNGE: https://bit.ly/4eULUKp  GENETIC METHYLATION TEST (UK ONLY): https://bit.ly/48QJJrk  GENETIC TEST (USA ONLY): ⁠https://bit.ly/3Yg1Uk9  GOPUFF: GET YOUR FAVORITE SNACK!: https://bit.ly/4obIFDC  H2TABS: “ULTIMATE10” FOR 10% OFF: https://bit.ly/4hMNdgg  HEALF: 10% OFF YOUR ORDER: https://bit.ly/41HJg6S  PEPTUAL: “TUH10” FOR 10% OFF: https://bit.ly/4mKxgcn  RHO NUTRITION: “ULTIMATE15” FOR 15% OFF: https://bit.ly/44fFza0  SNOOZE: LET'S GET TO SLEEP!: https://bit.ly/4pt1T6V  WHOOP: JOIN AND GET 1 FREE MONTH!: https://bit.ly/3VQ0nzW  Watch  the “Ultimate Human Podcast” every Tuesday & Thursday at 9AM EST: YouTube: https://bit.ly/3RPQYX8 Podcasts: https://bit.ly/3RQftU0 Connect with Gary Brecka Instagram: https://bit.ly/3RPpnFs TikTok: https://bit.ly/4coJ8fo X: https://bit.ly/3Opc8tf Facebook: https://bit.ly/464VA1H LinkedIn: https://bit.ly/4hH7Ri2 Website: https://bit.ly/4eLDbdU Merch: https://bit.ly/4aBpOM1 Newsletter: https://bit.ly/47ejrws Ask Gary: https://bit.ly/3PEAJuG Timestamps 00:00 Intro of Show 04:15 EMFs: Definition, Effects, and How to Mitigate Them 22:31 Blocking vs. Mitigating EMFs 29:42 EMF Mitigation Technology 35:18 Environment and Stress's Impact on Our Body 40:41 40 STUDIES on EMFs: https://bit.ly/4sY3810  44:09 Restructuring EMF to Neutralise Physiological Impact 45:39 How Bad is the Complexity of 5G for People? 51:55 Where to Start in Mitigating EMF Exposure 1:00:53 Modern Vehicles' Designs Risks 1:04:16 Hypersensitivity with EMFs 1:08:59 Mitigating EMF Exposure in Your Own Home 1:14:28 Are Women More Sensitive to EMFs than Men? 1:19:54 Equating the Frequency of Connected Devices 1:28:49 What does it mean to you to be an Ultimate Human? Disclaimer: This podcast is for informational purposes only and does not provide medical advice. It is not intended for diagnosing or treating any health condition. Always consult a licensed healthcare professional before making health or wellness decisions. Gary Brecka is the owner of Ultimate Human, LLC which operates The Ultimate Human podcast and promotes certain third-party products used by Gary Brecka in his personal health and wellness protocols and daily life and for which Ultimate Human LLC and / or Gary Brecka directly or indirectly holds an economic interest or receives compensation.  Accordingly, statements made by Gary Brecka and others (including on The Ultimate Human podcast) may be considered promotional in nature. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we're breaking on through to the other side as we take an up close look at THE DOORS OF THE EMPIRE STRIKES BACK! Listen along as we discuss well known Empire doors and discover new mind blowing doors that will light your fire! AND - hear how basically the whole movie is really about DOORS. The chances of you not loving it is 720 five to one, one in five, so celebrate the love and listen today! JOIN THE BLAST POINTS ARMY and SUPPORT BLAST POINTS ON PATREON! MANDALORIAN SEASON 3 BOBA FETT BEACH PARTY COMMENTARY! NEW ANDOR SEASON 2 EPISODE COMMENTARIES! HEAR EPISODES EARLY! Theme Music! downloadable tunes from episodes! Extra goodies! and so much MORE! www.patreon.com/blastpoints Blast Points T-SHIRTS are now available! Represent your favorite podcast everywhere you go! Get logo shirts while supplies last! Perfect for conventions, dates, formal events and more! Get them here: www.etsy.com/shop/Gibnerd?section_id=21195481 If you dug the show, please leave BLAST POINTS a review on iTunes, Spotify and share the show with friends! If you leave an iTunes review, we will read it on a future episode! Honestly! Talk to Blast Points on twitter at @blast_points "Like" Blast Points on Facebook Join the Blast Points Super Star Wars Chill Group here www.facebook.com/groups/BlastPointsGroup/ we are also on Instagram! Wow! www.instagram.com/blastpoints Your hosts are Jason Gibner & Gabe Bott! contact BLAST POINTS at : contact@blastpointspodcast.com May the Force be with you, always! This podcast is not affiliated in any way with Lucasfilm Ltd. LLC, The Walt Disney Company, or any of their affiliates or subsidiaries.

Pat Fitzmaurice and Bo McBrayer recap The Farmers Insurance Open before exploring the top betting strategies for The WM Phoenix Open! We dive into the betting odds, analyze the favorites and long shots, and reveal our top betting card selections to help you maximize your winnings as the 2026 PGA season rolls on! Timestamps: (May be off due to ads) Intro - 0:00:00 Farmers Insurance Open Review - 0:00:50 Phoenix Open Preview - 0:03:12 BettingPros Premium - 0:08:22 Betting Favorites - 0:08:59 Omaha Steaks - 0:20:09 Long-shot Odds - 0:21:35 Hard Rock Bets of The Week- 0:24:30 Early Betting Card - 0:26:05 One & Done Competition - 0:27:37 Helpful Links: Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, MI, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-833-PLAYWISE. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, MI, NJ, OH, TN, VA). ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See omnystudio.com/listener for privacy information.

Join Matt Perrault and Pat Fitzmaurice as they highlight their favorite bets to make ahead of Super Bowl LX between the Seattle Seahawks and the New England Patriots! Timestamps: (May be off due to ads) Intro - 0:00:00 Should the Patriots be such heavy underdogs? - 0:00:30 Hard Rock Bet - 0:09:13 Under 45.5 points - 0:10:50 Over 45.5 points - 0:13:55 Patriots Moneyline - 0:15:46 Sam Darnold to throw an interception - 0:20:10 8 or more total sacks - 0:23:09 Shortest TD under 1.5 yards - 0:27:20 At least one touchback on a punt - 0:28:35 Score Predictions - 0:32:30 Helpful Links: Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, MI, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-833-PLAYWISE. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, MI, NJ, OH, TN, VA). ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See omnystudio.com/listener for privacy information.

Attend the 2026 Summit Conference: https://get.biggerpockets.com/passivepocketssummit2026/ This Episode Hotels for passive investors: what actually matters and how it's different from multifamily. Chris Lopez digs in with Jay Desai and Suraj Reddy on the underwriting stack (ADR, occupancy, RevPAR and RevPAR penetration), why brand fit and comp sets (STAR reports) drive the thesis, and how operations (daily pricing, sales/RFPs, third-party management aligned on expenses) move the needle. They walk through break-even occupancy math (often far lower than MF), margins, bonus depreciation via FF&E/capex, fixed-rate/community-bank capital stacks, and their “no capital calls” policy. Includes a Columbus case study and the macro outlook across business/leisure/extended-stay demand—and what Airbnbs really compete for. Key Takeaways Hotels 101: ADR × occupancy = RevPAR; low RevPAR penetration in a strong comp set = value-add target Break-even is different: hotels can pencil at ~35–60% occupancy vs. ~70–75% in multifamily Operations > brand alone: daily revenue management, sales/RFPs, and expense discipline drive NOI STAR reports: how pros build comp sets and gauge RevPAR share before/after capex Depreciation edge: large year-one bonus depreciation from FF&E and renovations (consult your CPA) Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk. Nothing here is investment, tax, legal, or financial advice; consult qualified professionals. Past performance is not indicative of future results. This podcast may include paid advertisements or promotional materials for sponsors, funds, or offerings and should not be interpreted as a recommendation or endorsement by PassivePockets, LLC or affiliates. Conduct your own due diligence and consider your financial situation before engaging with any advertised products or services. PassivePockets, LLC disclaims all liability for any actions taken based on the information presented.

GLP-1 weight loss drugs are everywhere...from commercials to conversations at work, church, and even the doctor's office. Many smart, successful midlife women are feeling the pressure to jump on board… even when something in their spirit says pause. In today's episode, I'm breaking through the hype to talk about how the body was designed to produce GLP-1 naturally through real, whole foods. Without injections, expensive pills, sketchy websites, or 'quick fixes' that come with serious risks to overall health and longevity. We will get into: Why many faith filled women feel uneasy about the GLP-1 craze How God designed your body to respond to satiety signals naturally Whole foods that support natural GLP-1 production Biblical wisdom, discernment, and personal responsibility for your health Why your health decisions don't need outside pressure or permission As followers of Christ, we're called to pause and ask...is this beneficial? Does this build up? (1 Corinthians 10:23) If you've felt conflicted, pressured, or unsure about GLP-1 drugs, this episode will help you stand boldly, choose wisely, and trust the design God gave you. I pray this informative episode blesses you + brings you peace! XO, Michelle Have questions as you listen? Reach out at michelle@treasuredwellness.com   Stop pushing through exhaustion and restore your energy, calm your body and clear your mind... naturally.  Book your  Fatigue Freedom Breakthrough Call today! OR simply: Join MidLIFE Health RESTORE! MidLIFE Health RESTORE is where high-achieving Christian women grow their capacity so they can lead with strength, not stress. With ONE clear wellness focus plus weekly accountability + faith fueled mentorship....for a calm, energized new normal.    ***Join our community, RESTORE Energy after 40, to be supported, encouraged and educated as you take back your health WITH God at the center **Catch the Treasured Wellness Podcast on https://christianmix106.com/   AND YouTube   ***DISCLAIMER: By listening to this podcast, you agree not to use this podcast as medical advice to treat any medical condition in either yourself or others. Contact your own physician for any medical concerns you have. This entire disclaimer also applies to any guests or contributors to the podcast. Under no circumstances shall Treasured Wellness, LLC, guests or contributors be responsible for damages arising from the use of this podcast.

What if some of the foods you eat every day are quietly working against your health? Amy Hudson sits down with Gerianne Cygan to break down food supervillains that may be doing more harm than good when we ingest them. They unpack insights from the Exercise Coach Nutrition Playbook, a practical resource used with clients at Exercise Coach Studios to simplify nutrition and target three major health troublemakers: high blood sugar, systemic inflammation, and poor digestive health. Tune in to hear how identifying and removing these food supervillains can create meaningful changes in how your body functions, and why a simpler nutrition framework might be the reset your health needs. Gerianne starts by explaining what "food supervillains" are. These are foods that consistently drive three major health problems: inflammation, high blood sugar, and poor digestive health. Gerianne covers why sugar earns the #1 supervillain spot. Sugar drives blood sugar spikes, crashes, cravings, and long-term insulin resistance. Over time, this pattern contributes to diabetes, metabolic syndrome, inflammation, and digestive issues. Learn how sugar hides in plain sight. Sugar shows up under dozens of names, including cane sugar, honey, maple syrup, maltodextrin, coconut sugar, and more. Many people don't realize how much sugar they're eating because the labels look "natural." Gerianne explains why fruit is still sugar, but not all sugar is equal. Whole fruits provide fiber and nutrients that slow absorption when eaten in moderation. Portion size and food pairing matter far more than cutting fruit out entirely. Why sugar is so hard to quit. Research shows sugar can trigger addictive patterns similar to drugs like cocaine.  Gerianne explains why grains and starchy foods are supervillains for many people. Grains like wheat, rice, oats, and corn often irritate digestion and raise blood sugar. Components like gluten, lectins, and phytates can damage the gut lining and block mineral absorption. Amy explains why grains are problematic. Poor digestion can trigger immune responses and systemic inflammation throughout the body. Many modern grains are highly refined and offer little nutritional value in return. Gerianne shares a practical tip for sugars, grains, and starches. Pairing them with protein and healthy fats slows blood sugar absorption. While this helps blood sugar control, it doesn't fully fix digestive issues. Why dairy makes the supervillain list. Dairy can raise blood sugar, promote inflammation, and worsen gut permeability. Lactose intolerance and immune reactions are more common than most people realize. Amy and Gerianne cover how to choose better dairy if you tolerate it. Grass-fed, organic, and fermented options like natural yogurt, kefir, aged cheese, butter, or ghee are better choices. Avoid sweetened, processed dairy with additives and emulsifiers. Gerianne explains why legumes and soy can be problematic. Legumes contain anti-nutrients that affect digestion and mineral absorption. They're especially challenging for people with existing gut or inflammatory issues. The protein problem with legumes. Legumes are low in essential amino acids and are less digestible than animal proteins. While they provide fiber, they're not complete proteins. Gerianne explains how personal training supports metabolic health beyond workouts. An experienced exercise coach can help you understand how food affects your blood sugar, inflammation, and performance. Why soy deserves extra caution. According to Gerianne, soy is heavily genetically modified and often sprayed with glyphosate. If consumed, organic and fermented forms like tempeh, miso, or natto are better options. Gerianne explains why artificial sweeteners, additives, and seed oils are supervillains. These ingredients disrupt gut bacteria, worsen insulin response, and trigger inflammation. They're linked to hormonal, neurological, and immune issues. Gerianne explains why alcohol makes the supervillain list. Current research shows no amount of alcohol is beneficial. Even moderate drinking increases cancer risk and worsens existing health conditions. Understand how alcohol behaves like sugar in the body. It spikes blood sugar and insulin just like other supervillains. Over time, it contributes to inflammation, poor sleep, and cardiovascular risk. Amy shares her personal "aha" moment about food. Sugar, grains, and alcohol all process like sugar in the body. Understanding this changed how she viewed everyday food choices. Amy highlights how to take action with a 30-day metabolic reset. Eliminating food supervillains for a short period helps reveal how your body truly responds. This approach focuses on learning, not perfection. Amy shares why working with a personal trainer helps connect nutrition decisions to real-world energy, strength, and recovery. That context makes unhealthy food choices harder to ignore and better habits easier to keep.     Mentioned in This Episode: The Exercise Coach - Get 2 Free Sessions! Submit your questions at StrengthChangesEverything.com ExerciseCoach.com/weight-loss The Exercise Coach: Nutrition Playbook by Gerianne Cygan The Exercise Coach Whole Food Recipes What Should NOT Be On My Plate?  - Names For Hidden Sugars     This podcast and blog are provided to you for entertainment and informational purposes only. By accessing either, you agree that neither constitute medical advice nor should they be substituted for professional medical advice or care. Use of this podcast or blog to treat any medical condition is strictly prohibited. Consult your physician for any medical condition you may be having. In no event will any podcast or blog hosts, guests, or contributors, Exercise Coach USA, LLC, Gymbot LLC, any subsidiaries or affiliates of same, or any of their respective directors, officers, employees, or agents, be responsible for any injury, loss, or damage to you or others due to any podcast or blog content.

Join the Million Dollar Investor Masterclass here: https://masterpassiveincome.com/nchmasterclassGet a complementary call with their corporate analyst here: https://masterpassiveincome.com/nchJoin me in Nashville at Income Building Live! https://masterpassiveincome.com/iblGet 10% off your pass with promo code: DUSTINGet my real estate investing course for free! https://masterpassiveincome.com/freecourse//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for FREE! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexLearn more about Dustin Heiner and find resources to build an automatic real estate investing business: https://masterpassiveincome.com/The primary focus of this podcast episode is to elucidate the notion that money should not be perceived as an insurmountable obstacle in the pursuit of real estate investment. I present a comprehensive exploration of at least fourteen distinct strategies for securing financing, designed to empower aspiring investors to acquire properties and generate consistent cash flow.Through a methodical examination of each financing option, I aim to dismantle the common misconception that a lack of funds precludes individuals from embarking on their investment journeys. Furthermore, I share personal anecdotes and testimonials from students who have successfully navigated similar challenges, thereby underscoring the accessibility of real estate investment for all.It is my fervent hope that listeners will be inspired to recognize the myriad avenues available to them, ultimately leading to their financial independence and the relinquishment of traditional employment.Links referenced in this episode:incomebuildinglive.commasterpassiveincome.com/freecoursefinancial independence, quit your job, real estate investing, passive income, financing options, creative financing, rental properties, property investment, investment strategies, cash flow, money management, DSCR loans, FHA loans, hard money loans, seller financing, private money loans, portfolio loans, home equity loans, investment coaching, financial educationNOTE: This description may contains affiliate links to products we enjoy using ourselves. Should you choose to use these links, this channel may earn affiliate commissions at no additional cost to you. We appreciate your support!Mentioned in this...

Only 3% of venture capital funding goes to women-owned businesses. But here's the thing—it's not because your idea isn't good enough. It's because of foundational mistakes you're making before you even apply. Business strategist Ms. Cat (Catherine Mitchell) joins Sarah to break down exactly what keeps women entrepreneurs from accessing the billions in funding that's actually available. From choosing the wrong business name to using your personal Gmail account, these structural errors are disqualifying you before funders even look at your pitch. Ms. Cat walks through the NAICS code trap, why your LLC address matters more than you think, and the exact moment you should start looking for funding. Plus, she gets real about the burning desire you need to make the leap from side hustle to main hustle—and why entrepreneurship isn't for everyone. This conversation is part of Sarah's mission to put more money in the hands of more women.   WHAT YOU'LL LEARN The 5 foundational mistakes that disqualify businesses from funding—including why certain business names are considered "high risk" and how your NAICS code can knock you out of the game When to actually start looking for venture capital funding (and the capital gap test to know if you're ready) Why using your home address on your LLC is a red flag to investors—and what funders are really looking for when they Google your business The 3-4x rule for knowing when your side hustle is ready to become your main hustle Why funding challenges have nothing to do with your product or service—it's all about foundation and structure How women disqualify themselves before they even ask for funding (and how proper structure gives you the confidence to apply) The burning desire you need beyond just a good idea to survive entrepreneurship   READY TO BUILD A BUSINESS FOUNDATION THAT POSITIONS YOU FOR GROWTH? Ready to build a business foundation that positions you for growth and funding? Book a free 15-minute chat with Sarah to discover how you can work together. Book Your Free Call → https://app.acuityscheduling.com/schedule.php?owner=13047670&appointmentType=34706781 CONNECT WITH MS. CAT Podcast: Both Sides of the Check (available wherever you get your podcasts) Website: https://connectwithmiscat.com Instagram: https://www.instagram.com/connectwithmscat/ Facebook: https://www.facebook.com/connectwithmscat YouTube: https://www.youtube.com/@connectwithmscat   ABOUT MS. CAT (CATHERINE MITCHELL) Ms. Cat is a business strategist, entrepreneur, and co-host of the rising podcast Both Sides of the Check. She is the founder of Concept2Company, a program designed to help entrepreneurs structure their businesses for funding, make their first $10K in 30 days, and land consistent clients without leaning on friends and family. With years of experience guiding business owners through scaling, funding, and systems-building, Ms. Cat has built a reputation for simplifying complex strategies into step-by-step blueprints that actually get results. Her unique approach combines tough-love accountability with practical, actionable tools that help entrepreneurs go from idea to income. In addition to consulting, Ms. Cat owns her own tax software company, equipping professionals with training and mentorship under her ERO Expansion Hub mentorship program.   ABOUT SARAH WALTON Sarah Walton is a business coach, podcast host, and mentor who helps women entrepreneurs build businesses they love. She's the creator of the Abundance Academy, Effortless Sales, and the Game On Girlfriend® podcast. Sarah's mission is to put more money in the hands of more women while teaching authentic, heart-centered business strategies.   FREE GIFT FROM SARAH Get Sarah's Freedom Calculator and discover how much your business needs to make so you can finally be free.  → Download: https://sarahwalton.com/freedom   LEARN FROM SARAH Explore Sarah's online courses and free resources to start building your business with confidence.  Online Courses: sarahwalton.com/online-courses     Free Resources: sarahwalton.com/free-resources CONNECT WITH SARAH Website: https://sarahwalton.com/podcast  YouTube: https://www.youtube.com/@TheSarahWalton Instagram: https://instagram.com/thesarahwalton   RELATED GAME ON GIRLFRIEND® EPISODES YOU'LL LOVE Episode 312: Awakening, Abundance & Ancient Wisdom — Rewriting Your Money Story with Halle Eavelyn - https://sarahwalton.com/women-money-mindset-halle-eavelyn/ Episode 313: But What About the Money? Why Your Nervous System Determines Your Income - https://sarahwalton.com/money-mindset-nervous-system-income/ Episode 310: How One Courageous Conversation Led to Impacting 11.6 Million Lives with Carrie Rich - https://sarahwalton.com/financial-planning-women-entrepreneurs-carrie-rich/   LOVE THE SHOW? LEAVE US A REVIEW! Thank you so much for listening. I'm honored that you're here and would be grateful if you could leave a quick review on Apple Podcasts by clicking here, scrolling to the bottom, and clicking "Write a review." Your reviews help other women entrepreneurs find the show and get the support they need to build businesses they love. Thank you for being part of the Game On Girlfriend® community! (If you're not sure how to leave a review, you can watch this quick tutorial.)  

Each week, the CPG Guys will riff on the hottest topics in the world of omnichannel commerce. This week's topics:TikTok Shop announces all sellers must use their fulfillment servicesPinterest cutting 15% of workforce, blaming it on AIAmazon shutters Fresh and Go storesGen Z Holiday shoppingCPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comSheCOMMERCE Website: https://shecommercepodcast.com/Rhea Raj's Website: http://rhearaj.comLara Raj in Katseye: https://www.katseye.world/DISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent.CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

Tuesday Thoughts on SDH AM take the tour of the planetWe start wrapping up Transfer Deadline Day overseas- and look at the rest of the world's moves still in playWe preview ConcaChampions with the temps in Hamilton in playHearts Football, LLC's Jordan Gardner talks MCO's and his recent pick up of Kelty Hearts in Scotland's League 1- diving into the topic of American ownership in Europe as wellWe wrap with an extended look at the week of John Textor and where things stand with finances and Botafogo

A candid conversation with Eric Brotman on why retirement planning needs structure, flexibility, and fewer assumptions. One of the things I've learned after years of retirement planning conversations is that most people aren't short on opinions — they're short on clarity. They've heard plenty of rules.They've absorbed countless headlines.They've picked up advice from coworkers, friends, and financial media. But when you slow things down and ask a simple question — “Why are you doing it this way?” — the answer is often some version of, “That's just what I've always heard.” I recently sat down on the “Don't Retire… Graduate!” podcast with host Eric Brotman (author of “Don't Retire, Graduate” and previous guest of my podcast back in the “Retirement Revealed” days) to discuss why building a better retirement plan starts with asking better questions. Eric is the author of Don't Retire, Graduate, and his core message is relatable to everyone entering retirement: retirement isn't a finish line. It's a transition — and transitions deserve thoughtful planning, not assumptions. As Eric put it during our conversation, “Most people think retirement is a decision. It's not. It's a process.” Why One-Time Decisions Matter So Much to a Retirement Plan When you're working, mistakes are usually correctable. Save too little one year? You can increase contributions later. Invest poorly early on? Time often smooths things out. Retirement doesn't work that way. Retirement is full of one-way doors — decisions you can't easily undo. Social Security claiming. Pension elections. Medicare choices. Tax strategies.  Once those decisions are made, you often live with them for decades. This is where many retirement plans quietly fail. Not because the investments are bad, but because the planning skipped the hard questions upfront. The Quiet Problem of Underspending One of the most interesting threads in our conversation was something I see often with clients but rarely see addressed directly: underspending. People spend decades being disciplined savers. They're rewarded for delaying gratification. Then retirement arrives — and suddenly they're supposed to flip a switch and start spending confidently? That transition is harder than most people expect. Eric described it bluntly: “A lot of retirement plans are designed to avoid failure, not to support a great life.” When plans are built entirely around extremely high “success rates,” the tradeoff is often living smaller than necessary. Retirees follow conservative rules, spend cautiously, and end up with more money at the end of life than they started with — not because they needed it, but because no one ever gave them permission to use it. That's how an effort to preserve your money in retirement can turn into a missed opportunity. Why Rules of Thumb Aren't Enough Rules like the 4% withdrawal guideline exist for a reason — they're simple and memorable. But that simplicity comes at a cost. Rules of thumb can be useful starting points, they become problematic when people treat them as guarantees rather than guidelines that require context. Markets change. Taxes change. Spending changes. Life changes. A retirement plan that assumes constant spending and ignores flexibility is solving a math problem that doesn't exist in the real world. What works better is a framework that expects adjustment — not perfection. Retirement as a Graduation, Not an Ending The phrase “Don't retire, graduate” isn't about working forever. It's about intention. Some people want to fully step away from work. Others want to consult, volunteer, or stay mentally engaged. Neither approach is right or wrong — but drifting into retirement without deciding is where dissatisfaction often starts. What makes a difference for most retirees? Having a purpose to your life in retirement as a new chapter, not a conclusion to the entire book. When you treat retirement as a graduation into something new, the planning naturally becomes more thoughtful. Spending decisions align with values. Time gets treated as intentionally as money. And confidence replaces guesswork. The Real Goal of Retirement Planning At its core, this conversation wasn't about beating markets or optimizing spreadsheets. It was about aligning math with real life. A good retirement plan doesn't just aim to avoid running out of money. It aims to help you live well — without constant second-guessing. For many, effective retirement planning isn't about dying with the most money. It's about using the money you've earned to live well, without fear or constant second-guessing. That's a goal worth planning for. If you're approaching retirement — or already there — this episode will challenge some comfortable assumptions and help you think differently about what your plan is actually designed to do. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Eric Brotman on LinkedIn “Don't Retire…Graduate!” podcast “Don't Retire…Graduate!” on Amazon BFG Financial Advisors BFG University on YouTube Build Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this raw, must-watch conversation, former GOP Rep. Joe Walsh joins Matt Lewis to unpack the growing backlash against Trump's second term. They discuss: — The stunning Democratic upset in Texas Senate District 9 (a 31+ point swing from Trump's 2024 margin in a red stronghold) — Why shocking videos of masked ICE agents dragging people from streets/parking lots/Home Depot are turning public opinion (even among non-political Americans) — How tariffs and economic pain are eroding Trump's "secret sauce" Epstein files secrecy fueling distrust, GOP cracks (Massie, Rand Paul pushing back), and why images are more powerful than words in shifting opinion — Walsh's Warning: Trump may try to interfere with 2026 midterms – don't underestimate authoritarian moves — Plus lighter moments on Eagles fandom and calls for prayers over Savannah Guthrie's missing mom in Arizona Walsh (a former Trump voter turned fierce critic) and Lewis (original Never Trumper) argue Democrats could retake the House in a "blue tsunami" driven by Trump's overreach – but must build a real vision for 2028.Subscribe to Matt Lewis on Substack: https://mattklewis.substack.com/Support Matt Lewis at Patreon: https://www.patreon.com/mattlewisFacebook: https://www.facebook.com/MattLewisDCTwitter: https://twitter.com/mattklewisInstagram: https://www.instagram.com/mattlewisreels/YouTube: https://www.youtube.com/channel/UCVhSMpjOzydlnxm5TDcYn0A– Who is Matt Lewis? –Matt K. Lewis is a political commentator and the author of Filthy Rich Politicians.Buy Matt's books: FILTHY RICH POLITICIANS: https://www.amazon.com/Filthy-Rich-Politicians-Creatures-Ruling-Class/dp/1546004416TOO DUMB TO FAIL: https://www.amazon.com/Too-Dumb-Fail-Revolution-Conservative/dp/0316383937Copyright © 2026, BBL & BWL, LLC

This week on The KORE Women podcast, Dr. Summer Watson welcomes Kym Insana, who talks about how she went from being a NYC ad executive to multi-million-dollar agency founder. She has redefined success on her terms and she's helping others do the same. As the founder of AlwaysOn Digital, Kym works with powerhouse brands like Good American and Enfamil, but her true mission is personal, empowering working parents to thrive in business and life. In this episode, Kym shares how she built a company that delivers big results without sacrificing flexibility, how she balances motherhood and leadership, and what every brand needs to know to scale sustainably in today's digital space. If you're ready to grow with more intention, more strategy, and a whole lot more heart, this one's for you. You can connect with Kym Insana on Facebook or at:  GetAlwaysOn.com LinkedIn: Linkedin.com/in/KymInsana/  Website: GetAlwaysOn.com/  Thank you for taking the time to listen to the KORE Women podcast and being a part of the KORE Women experience. You can listen to The KORE Women podcast on your favorite podcast directory - Pandora, iHeartRadio, Apple Podcast, Google Podcast, YouTube, Spotify, Stitcher, Podbean, JioSaavn, Amazon and at: www.KOREWomen.com/podcast.  Please leave your comments and reviews about the podcast and check out KORE Women on Instagram, Twitter, and Facebook.  You can also learn more about Dr. Summer Watson, MHS, PhD, KORE Women, LLC, the KORE Women podcast, KORE Business Solutions (a Virtual Assistant service) and Cross-Generational Consultation Services by going to: www.korewomen.com.  #KOREWomenPodcast #DigitalMarketing #WomenInBusiness #WorkingMoms 

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Clint: I just don't give up.Farming has relied heavily on chemicals for decades, but Greenfield Robotics is changing that. Founder and Head of Product Clint Brauer has developed robots that help reduce—or even eliminate—chemical use while improving the efficiency of farming practices. This innovative approach not only protects workers from exposure to harmful substances but also addresses growing concerns about the safety of food and its environmental impact.Clint's journey began with a deeply personal motivation. “Greenfield comes from my dad,” he explained. “I got Parkinson's years ago, about 20 years ago. And so I decided to do something about it. And I thought it was from farm chemicals.” His mission quickly evolved into creating technology that could solve problems for all farmers, regardless of their stance on chemicals.The robots Clint and his team developed are capable of cutting weeds and providing precise foliar feeding. “We weed by day and we foliar feed by night,” Clint shared. By targeting the stomata of the plants, these robots can deliver nutrients effectively while avoiding the need for excessive synthetic fertilizers. This process not only protects crops but also helps regenerate the soil, creating a more sustainable farming ecosystem.Greenfield Robotics has already seen promising results. Operating in 17 states with about 80 robots in the field, the company is steadily scaling its operations. Clint emphasizes that the work is still in its early stages, but the potential for widespread adoption is clear.In addition to its technological breakthroughs, Greenfield Robotics is raising capital through a regulated crowdfunding campaign on StartEngine. Clint's goal is to make the company a grassroots movement, with farmers and consumers becoming co-owners. “We want farmers and consumers to own Greenfield,” Clint said. “Food is one of the very few things we all share.”By reducing chemical use and fostering a more sustainable future, Clint and his team are paving the way for a revolution in agriculture. It's an inspiring story of innovation and determination, with robots leading the charge for cleaner, healthier food.tl;dr:Greenfield Robotics uses robots to reduce farm chemicals, improving safety, efficiency, and sustainability.Clint Brauer's mission is personal, inspired by his father's Parkinson's diagnosis linked to chemicals.The innovative robots weed and feed crops, helping farmers transition to regenerative practices.Greenfield Robotics is scaling operations and raising capital via StartEngine crowdfunding.Clint's relentless perseverance drives his mission to revolutionize agriculture for farmers and consumers alike.Guest ProfileClint Brauer (he/him):Founder & Head of Product, Greenfield RoboticsAbout Greenfield Robotics: Greenfield Robotics is revolutionizing weed control with autonomous farming robots designed to reduce operational and maintenance costs while removing herbicides from the process. Demand has been exceptional: Our entire fleet is sold out this year and with reservations already filled for 2026, our BOTONY™ fleet of robots is helping drive our mission to eliminate all chemicals from farming and food.Website: greenfieldincorporated.comCompany Facebook Page: facebook.com/greenfieldroboticsInstagram Handle: @greenfieldrobotics Other URL: startengine.com/offering/greenfield-roboticsBiographical Information: Clint is a third-generation regenerative farmer turned agtech entrepreneur, with deep roots in Midwest agriculture and a career spanning both broad-acre and greenhouse growing. Before returning fully to farming, he was an early data science systems pioneer at Sony, where he helped launch Sony's e-book systems in North America. He later bridged technology and agriculture by creating a regeneratively grown ingredients supply chain for Canidae Pet Food, proving that scalable, soil-first farming models can succeed inside global consumer brands.Clint's work is deeply personal. His father developed Parkinson's disease after years of chemical exposure on their family farm and ultimately passed away from it—a tragedy echoed across the Midwest, where Parkinson's rates among farmers over 50 have reached epidemic levels linked to long-term herbicide and pesticide use. Greenfield Robotics was born from this reality and a single driving question: What if we could farm without poisoning the people who feed us? Today, Clint is building technology to remove toxic chemicals from agriculture, protecting farmers, restoring soil, and redefining what modern farming can—and must—be.LinkedIn Profile: linkedin.com/in/clintbrauerThe Super Crowd, Inc., a public benefit corporation, is proud to have been named a finalist in the media category of the impact-focused, global Bold Awards.Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include rHealth, and Make Money with Impact Crowdfunding. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Green, Envirosult | Nick Degnan, Unlimit Ventures | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on February 17th at 1:30 PM ET/10:30 AM PT. Mark your calendar. We'll send private emails to Impact Members with registration details. Upgrade to Impact Membership today!SuperCrowdHour February: This month, Devin Thorpe will be digging deep into my core finance expertise to share guidance on projections and financial statements. We're calling it “Show Me the Numbers: Building Trust with Financial Clarity.” Register free to get all the details. February 18th at Noon ET/9:00 PT.Superpowers for Good Live Pitch: The top-raising Reg CF campaign of 2025 won the June 2025 Superpowers for Good Live Pitch. We're taking applications for the March 17, 2026, Live Pitch now. There is no fee to apply and no fee to pitch if selected! Apply here now!Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.10 Years of Reg CF: How It Started vs. How It's Going: Join the CfPA on Feb 11, 2026, for a special anniversary webinar reflecting on a decade of Regulation Crowdfunding. Hear from Jenny Kassan on Reg CF's origins and Woodie Neiss on what 10 years of data reveal about what's worked, what hasn't, and what's next—followed by live Q&A. Register here.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

In this episode, host Mardi Winder welcomes renowned master addiction counselor Amber Hollingsworth, the founder of the Hope for Families Recovery Center and creator of the "Put the Shovel Down" YouTube channel, for a powerful and honest conversation about one of the most sensitive and challenging issues that can affect a marriage: addiction.Together, Mardi and Amber tackle the real-life complexities that arise when addiction becomes an unwelcome guest in the family. Amber shares her personal and professional journey, describing how growing up in an addicted family shaped her understanding of these patterns, and how she uses this insight to guide others through the storm. This episode goes beyond the textbook treatment model, revealing the emotional rollercoaster faced by supportive partners: the exhaustion of trying to "parent" your spouse, the guilt that seems unavoidable whether you stay or leave, and the deep changes you undergo as you try to hold everything together.Listeners will hear candid advice on recognizing when an environment has become unsafe, setting healthy boundaries, and resisting the urge to make your children confidants in adult struggles. Amber introduces new concepts like "guiltzentiment", the toxic blend of guilt and resentment many non-addicted partners experience, and emphasizes the critical importance of self-care and reclaiming time for yourself, even when it feels impossible.Whether you're considering leaving an addicted spouse, struggling with the impacts on your kids, or just searching for understanding and next steps, this episode provides valuable, actionable strategies and reassurance that your needs matter too. It's an honest, compassionate look at the real issues behind addiction and divorce, and a reminder that hope, recovery, and self-respect are within reach.About the Guest:Amber Hollingsworth is a master addiction counselor, founder of Hope For Families Recovery Center, and creator of the YouTube channel Put The Shovel Down. With over two decades of experience, she's helped thousands of families navigate addiction recovery using innovative, relationship-focused strategies like the Invisible Intervention. Known for her relatable, no-nonsense approach, Amber empowers families to outsmart addiction, set healthy boundaries, and rebuild trust. Her expertise and compassionate style make her a sought-after podcast guest, offering practical advice and hope to families facing the challenges of addiction.For Amber's gift: https://www.familyrecoveryacademy.online/understanding-boundaries-in-addictionTo connect with Amber:Youtube: https://www.youtube.com/channel/UCT8PE1v0xFR9zLXOijxM6hgIG : https://www.instagram.com/puttheshoveldown/Facebook: https://www.facebook.com/addictionrecoveryhope Linked In: https://www.linkedin.com/in/amber-hollingsworth-833111b8/About the HostMardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you...

The dust has finally settled in Riyadh, and the Road to WrestleMania 42 is officially wide open!

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Matthew Bartolini from State Street Investment Management to discuss: stock market concentration, the S&P 493 vs. the Mag 7, dividends vs. share buybacks and more.   Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.   State Street Disclosure:  Important Risk Information Investing involves risk including the risk of loss of principal.   ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns. The views expressed in this material are the views of Matt Bartolini through the period ended January 21, 2026 and are subject to change based on market and other conditions. This document contains certain statements that may be deemed forward-looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Before investing, consider the funds' investment objectives, risks, charges, and expenses. To obtain a prospectus, which contains this and other information, call 1.866.787.2257 or visit www.ssga.com. Read it carefully. ALPS Distributors, Inc. (fund distributor); State Street Global Advisors Funds Distributors, LLC (marketing agent). 8728208.1.1.AM.RTL SPD004423 Expiration: 1/31/27 Learn more about your ad choices. Visit megaphone.fm/adchoices

Uncover the truth in the latest Epstein DOJ Files Update and discover why names like Donald Trump, Elon Musk, Bill Gates, and Bill Clinton are resurfacing in this massive document release.  This episode breaks down the federal data dump, the rapidly growing AI phenomenon of Moltbook, and how the latest anti-ICE protests are being organized and framed following the deaths of Renee Good and Alex Pretti This deep dive connects the dots between government transparency, the real-world implications of autonomous AI social networks, and the escalating domestic tension surrounding immigration enforcement and Operation Metro Surge. What You'll Learn The Epstein Files: What the DOJ released and the context behind the inclusion of prominent figures like Donald Trump, Elon Musk, and Bill Gates. Moltbook Decoded: Why this AI-only social network is exploding in popularity and the risks of autonomous agents shaping online narratives. Minneapolis in Focus: Border Czar Tom Homan on the ground to try and ease tensions after the deaths of Renee Good and Alex Pretti The Larger Agenda: What "National Shutdown" organizers are calling for and how it extends beyond immigration enforcement.

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

Episode SummaryI share 12 productivity strategies from David Allen's legendary book, Getting Things Done..Show Notes Pagejeffsanders.com/612.Go Premium!Exclusive bonus episodes, 100% ad-free, full back catalog, and more!Free 7-Day Trial of 5 AM Miracle Premium.Perks from Our SponsorsSee current deals from sponsors of The 5 AM Miracle.Learn More About The 5 AM MiracleThe 5 AM Miracle Podcast.Free Productivity Resources + Email Updates!Join The 5 AM Club!.The 5 AM Miracle BookAudiobook, Paperback, and Kindle.Connect on Social MediaLinkedIn • Facebook Group • Instagram.About Jeff SandersRead Jeff's Bio.Questions?Contact Jeff.© 5 AM Miracle Media, LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jason and Chris are on the lakebed at King of the Hammers 2026 powered by Optima Battery.  The boys are staying busy with a mix of fun and work.  They are getting reacquainted with old friends and making new ones and all the while networking to bring you the best coverage of KOH that you will find.This episode brings you legends of the offroad racing world, one of the founders of King Shocks, Brett King.  With him, on this episode, is Bomber Bob.  They have been friends for many years and the two of them tell some great stories about the beginnings of the company and how it was conceived.You don't want to miss this one.Stay tuned because this is just the beginning! Cheers! Check out our sponsor!  We are very excited to be partnered up with the one and only Rubitracks!  Check out Rubitracks website in the link below and be sure to tell them you heard about them on Wheeling Wine and Whiskey Podcast! Rubitracks Don't forget to give us a review on Apple Podcasts. You'll need to have an Apple account to post, but once you do, slide into our DM's @wheelingwineandwhiskey on Instagram and we'll send you a sticker so you can show you are a fan of one of the finest off-roading podcasts that exist. You can call us and leave a voicemail. I'm not sure what happened with the section of the show notes with the number to call, but here it is: (408) 800-5169. Lorenzo would love to hear from you and we'll play it on the show. How fun is that?!? CalStar Air Ambulance Cal4Wheel Register at Irate4x4 Join the WWW Barrel Society at Irate4x4 Irate 4×4 Website Dirtbag Clothing Old Elk Bourbon California Campfire Permit If you enjoy the Wheeling Wine and Whiskey off road 4×4 podcast, then check out these other awesome off-roading podcasts too! SnailTrail4x4 Podcast Owned, Produced and Copyrighted by Wheeling Wine and Whiskey Podcast, LLC. Professionally Edited by Chris Mains using Adobe Audition Have a podcast but are tired of editing it? Contact Chris Mains (chris@wheelingwineandwhiskey.com) for reasonably priced post production editing and consulting. Music provided by Vial 8

In this in-depth episode, Jeff Ott and Becky Masterman welcome back Chip Taylor and Gard Otis to continue a wide-ranging discussion that began last summer on queen mating behavior, drone congregation areas (DCAs), and Africanized honey bees. The conversation revisits what science actually tells us about where and how queens mate, challenging the long-held assumption that mating occurs exclusively at DCAs. Chip and Gard explain how radar and genetic studies suggest a far more dynamic system, with drones moving through landscapes and queens exerting more control over mating than previously believed. They explore common misconceptions about mating signs, drone behavior, and pheromonal cues, drawing on classic experiments and more recent research to explain why much of honey bee mating biology remains unresolved. The discussion also highlights how drone density, landscape features, and seasonal changes influence mating success. The episode then turns to Africanized honey bees and their impact on North American beekeeping. Rather than a simple "takeover," Chip and Gard describe how colony density, climate, feral European bees, and genetic mixing have shaped the spread and behavior of Africanized populations over time. They explain why outcomes in the United States differ from those observed in South America and how these dynamics continue to evolve. The conversation closes with reflections on resilience—both in bees and beekeepers—and a preview of a future episode focused specifically on swarming behavior. Websites from the episode and others we recommend: Gard's Paper in Apidologie, "Where Do Honey Bees Mate": https://link.springer.com/article/10.1007/s13592-025-01237-1 Beekeeping Today Podcast - Chip and Gard, Queens, Drones and DCAs: https://www.beekeepingtodaypodcast.com/queens-drones-and-dcas-with-chip-and-gard-342/  Project Apis m. (PAm): https://www.projectapism.org Honey Bee Health Coalition: https://honeybeehealthcoalition.org The National Honey Board: https://honey.com Honey Bee Obscura Podcast: https://honeybeeobscura.com   Copyright © 2026 by Growing Planet Media, LLC     ______________ Betterbee is the presenting sponsor of Beekeeping Today Podcast. Betterbee's mission is to support every beekeeper with excellent customer service, continued education and quality equipment. From their colorful and informative catalog to their support of beekeeper educational activities, including this podcast series, Betterbee truly is Beekeepers Serving Beekeepers. See for yourself at www.betterbee.com This episode is brought to you by Global Patties! Global offers a variety of standard and custom patties. Visit them today at http://globalpatties.com and let them know you appreciate them sponsoring this episode!    Thanks to Strong Microbials for their support of Beekeeping Today Podcast. Find out more about their line of probiotics in our Season 3, Episode 12 episode and from their website: https://www.strongmicrobials.com HiveIQ is revolutionizing the way beekeepers manage their colonies with innovative, insulated hive systems designed for maximum colony health and efficiency. Their hives maintain stable temperatures year-round, reduce stress on the bees, and are built to last using durable, lightweight materials. Whether you're managing two hives or two hundred, HiveIQ's smart design helps your bees thrive while saving you time and effort. Learn more at HiveIQ.com. Thanks for Northern Bee Books for their support. Northern Bee Books is the publisher of bee books available worldwide from their website or from Amazon and bookstores everywhere. They are also the publishers of The Beekeepers Quarterly and Natural Bee Husbandry. _______________ We hope you enjoy this podcast and welcome your questions and comments in the show notes of this episode or: questions@beekeepingtodaypodcast.com Thank you for listening!  Podcast music: Be Strong by Young Presidents; Epilogue by Musicalman; Faraday by BeGun; Walking in Paris by Studio Le Bus; A Fresh New Start by Pete Morse; Wedding Day by Boomer; Christmas Avenue by Immersive Music; Red Jack Blues by Daniel Hart; Original guitar background instrumental by Jeff Ott. Beekeeping Today Podcast is an audio production of Growing Planet Media, LLC ** As an Amazon Associate, we may earn a commission from qualifying purchases Copyright © 2026 by Growing Planet Media, LLC

Watch the full episode on our YouTube channel: youtube.com/@mreapodcastMost people want change. Very few are willing to follow a model long enough to earn it.In this episode, we sit down with Alison Harris, a real estate agent out of Savannah, Georgia, who made a bold decision in 2021 to relaunch her entire business from the ground up. Forty months later, she crossed the million-dollar GCI mark by committing to a clear model and running it with discipline.Alison walks us through the Six Personal Perspectives and how each one showed up in her real life, not as theory, but as daily behavior. We unpack what it really means to commit to self-mastery, why the 80/20 principle gave her time back, and how moving from entrepreneurial to purposeful changed everything.This is not a story about a magic lead source or a shiny new system. Alison is clear about that. The growth came from magic in the mundane—building a five-star database, running a consistent touch program, holding people accountable, and committing to a learning-based business even when it was uncomfortable.If you've ever felt capped by hustle, stuck under a ceiling, or frustrated that effort isn't translating into freedom, this conversation delivers a conversational framework you can apply immediately.No hype. No shortcuts. Just a proven path, run the right way.Resources:Explore: BOLD at Keller WilliamsLearn: The Six Personal Perspectives by Gary KellerDownload: MREA Podcast Notes and Models at mreanotes.com Order the Millionaire Real Estate Agent Playbook | Volume 3Connect with Jason:LinkedinProduced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.WARNING! You must comply with the TCPA and any other federal, state or local laws, including for B2B calls and texts. Never call or text a number on any Do Not Call list, and do not use an autodialer or artificial voice or prerecorded messages without proper consent. Contact your attorney to ensure your compliance.

Welcome to the Monday Minute, brought to you by our friends at Podium. The Monday Minute is your weekly reset to help you lead better, think clearer, and build your dealership with intention.Choosing the right business structure for your car dealership is one of the most important foundational decisions you'll make as an independent dealer. In this episode, we break down Sole Proprietor, Partnership, and LLC structures—and help you choose the right one for your dealership.WHAT WE COVER:Sole Proprietor structure and pass-through incomePartnership agreements (and why documentation is critical)LLC benefits: personal protection and flexibilityS-Corp vs C-Corp tax filing strategiesAligning your business structure with your dealership goalsACTION STEPS THIS WEEK:Get clear on your dealership goals - staying small or scaling up?Compare risk tolerance and tax implications of each structureConsult with a CPA and business attorney before decidingThis isn't about choosing the "best" business entity—it's about choosing the RIGHT one for how you want to operate and grow your car dealership. Build your foundation correctly, and everything else stands together.Be sure to review this week's Sunday newsletter at https://www.theindependentdealer.com where the full theme and exercises are laid out to help you work through this with your team. If you're not subscribed yet, sign up now.Let's build this together.SPONSORED BY PODIUM: https://www.podium.com

In this solo episode, Lisa takes a step back and asks a different question about “disorders”—especially eating disorders—not as something broken or pathological, but as ways the nervous system learned to survive. Lisa's discussion centers on healing through safety, trust, and behavior-first change—embodying new patterns until the nervous system habituates—through tender and fierce self-compassion, balanced integration, and very small, sustainable steps. Along the way, Lisa offers practical examples that apply to intuitive eating, weight loss, and everyday habits, inviting listeners into a more human, aligned, and compassionate way of changing.Topics Include:Survival StrategiesSelf-CompassionEmbodied ChangeHumanized Healing[0:55] Lisa welcomes listeners and encourages listeners to catch up for the full context of this episode. This chapter marks a transition toward topics she has long been eager to address more directly.[2:45] Lisa discusses graduate social work training where the DSM is treated as authoritative. Lisa discusses how eating disorder categories have expanded over time due to observed patterns, not necessarily because human behavior fundamentally changed.[7:58] Lisa contrasts dissociative identity disorder with Internal Family Systems (IFS), which validates natural inner parts or sub-personalities. She talks about how clients doing the work notice conflicting inner parts; she normalizes this as human, not psychosis..[10:45] Lisa challenges reframing things as not an eating disorder but a strategy to regulate the energetic mind-body-soul system involving food. Similarly, Lisa points out that it's not about the substance or behavior but the function it serves and how it regulates the nervous system. [16:02] Lisa talks about how some addictions like overworking are socially rewarded; while others are condemned. She talks about how a person in a larger body overeating and a person in a smaller body undereating may be driven by comparable nervous-system conditions. Despite opposite behaviors, both can produce similar nervous-system sensations, reinforcing familiar physiology and cycles.[20:42] Lisa talks about not being impressed by things such as weight loss if they cost health, relationships, and well-being. She values outcomes integrated into a balanced, joyful life—sustainable, gradual changes with work-life balance, fulfillment, family time, and hobbies.  [27:18] Lisa shares her thoughts on how it's more that we accept the love we feel safe to receive, not necessarily the love we think we deserve. She discusses how many are conditioned through diet culture, hustle culture, family dynamics, social systems, into self-objectification and suppression of feelings, relating to themselves as bodies to control rather than whole beings. [31:09] Lisa discusses acting as if you are worthy and safe to receive care, even if feelings lag behind. She suggests one does not need to feel worthy to receive care but be willing to receive it and do the caring behaviors anyway. She states the method for this is baby steps to honor the nervous system; progress paced to sensitivity and regulation rather than idealized timelines.[56:04] Lisa closes the episode with a discussion of the growth zones, embraces the learning zone; avoids overshooting into danger and how discomfort is necessary for learning. She states to integrate action and acceptance across behaviors for sustainable change, one must pair outer steps with inner care.*The views of podcast guests do not necessarily reflect the views and beliefs of Lisa Schlosberg or Out of the Cave, LLC.LISA IS NOW ACCEPTING: One-on-One Clients!⁠Purchase the OOTC book of 50 Journal Prompts⁠⁠Leave Questions and Feedback for Lisa via OOTC Pod Feedback Form ⁠Email Lisa: ⁠lisa@lisaschlosberg.com⁠⁠Out of the Cave Merch⁠ - For 10% off use code SCHLOS10Lisa's Socials: Instagram⁠ ⁠Facebook⁠ ⁠YouTube⁠

https://youtu.be/knpxJ7KATsU Joshua McMahon, President of McMahon Custom Homes and a business coach, is driven by a purpose he discovered the hard way: money wasn't his ‘Why.' His real ‘Why' is lifting others—helping people find clarity around their purpose, unlock their potential, and gain traction toward it. We explore Josh's journey from C-suite construction leadership and integrator roles to building his own company as an “evolved visionary.” Josh shares his Satisfaction Pyramid, explaining how customer experience is created upstream through brand awareness, team support, trade partner support, and training, which together produce the outcome every builder (and business) is chasing: customer satisfaction. Along the way, he breaks down why the construction industry struggles with talent, how coaching becomes a competitive advantage, and why McMahon Custom Homes wins through transparency, collaboration, and guiding clients to align budget with what truly matters. — Take 5 Steps to Satisfy Customers with Josh McMahon Good day, dear listeners. Steve Preda here, the Founder of the Summit OS group and the host of Management Blueprint. And my guest today is Joshua McMahon, the president of McMahon Custom Homes and a business coach. Although I don’t know how much time you have for that these days, josh. Welcome to the show.  Yeah, thanks for having me, Steve. We go a long way back, so it’s an honor to be a business owner and now be on your show.  Well, yeah, you are a business owner. In your previous, recent life, you was an integrator, a COO of a business. So you’ve been running construction businesses and have been C-level in other construction businesses, where we also collaborated. So we have been tracking each other’s journey, for sure. So, Josh, let’s start with my favorite question. What is your personal ‘Why’, and how are you manifesting it in your business?  Yeah. I think this is always a great question. And the real truth of this question, Steve, is that I didn’t know what it was for so long. I thought my personal ‘Why’ was just to make more money. And every time I made more money, I was just more miserable. I was never happy. So my ‘Why’ was never money. I really think my ‘Why’ is all about lifting others. And what I mean by that is I have this ability to extract other people's 'Why' and their purpose from them, help them better see that, get clarity around it and then help them get traction to go attack that 'Why'.Share on X And that’s really my ‘Why’, is to help other, lift other people to really achieve their greatness. So I get a lot of energy and joy from boosting others, and watching that untapped potential really take off.  That is fabulous. And I can see that, as a business coach, that's really very appealing to people when you can do that. How does it manifest in your construction business? You have these Custom Homes construction business, how does that help you there?  And this is where it was really born. So in the C-suite and as I grew in my business, the one part that you have to do is you have to know how to recruit. At least, I had to know how to recruit. And in order to recruit, you have to find the right talent at the right price. And what I was really looking for was that potential. I was looking for the right attitude—the right hunger. I was looking for those right pieces that I could make you a construction individual. I could make you a great construction manager, but I couldn’t fix those other things. And so when I could tap into that and take and help somebody see the vision of what I could do and what our company could help you do in your career, that’s where I was able to really take and 10X my recruiting ability, but also to really tap into that untapped talent that’s out there. Because, Steve, we have a hard time finding talent in the construction industry. Well, the talent’s out there. What’s making it hard is that we don’t recognize that talent, and we’re saying, you’ve got to be this perfect candidate. You've got to fit all these marks. You've got to check all the boxes.And I’m saying, no. I just need you to check a few boxes. I'm going to help you see how you can really fit into this organization and how we can help you thrive. So that's where my ability to see that in them, help them see that in themselves, and then help them tie it to our vision as a company. That's where it really gets a lot of fun.Share on X Yeah. It’s so interesting that it’s not just about doing the job, but it’s about being emotionally invested in doing the job. And how do you get your people emotionally invested? You have to find the motivation that they have inherently that you can tap into, and then you have to make your business attractive so that it inspires them, so that they feel excited to work with you there. That’s exactly what you’re trying to do. It’s like you’re not trying to fool anybody on anything, but to think people just get excited to come do work, or just do the job, or just collect the paycheck. If that’s your motivation, that’s the type of candidate you’re going to get. Then what type of culture do you have? So if you flip that and you say, “Hey, we want to help you  transform who you are, transform your career for the better, and it’s going to help us get to our vision. Well, Steve, that sounds like a win-win scenario to me. And that’s a really appealing piece. And that’s a thriving culture.  Yeah, culture eats strategy for breakfast, as Peter Drucker said. And especially in the age of AI, it's probably even more important, isn't it, that you have a great culture, because AI can copy everything, but it won't be able to copy your culture.  No, that's exactly right. I think AI is a great tool. It’s really going to help us magnify and improve our businesses. But if your culture is broken, AI is just going to magnify the brokenness of your culture, and then AI’s going to tell your people how to go find another job. That is probably true. I haven’t thought about that. So you developed this framework, we are a podcast of frameworks. I’m always looking for the framework and and you talked about this Satisfaction Pyramid framework. Yeah. Is this also something that helps create that culture? Tell me a little bit about this pyramid and how did you come up with it and what does it do?  Yeah, it’s an interesting thing, right? So you understand Maslow's hierarchy of needs. These are the things you need for survival and for happiness. And I've said, look, in home building, we've always talked about customer experience and customer satisfaction. We want people to be happy. And I'm saying, well, I don't know what that means. I don't know—if I hit my schedule, if I hit my budget, if I do everything on time, but they're still not happy—so what exactly am I missing? What's the missing link?  And kind of tying the hierarchy of needs to this triangle of customer satisfaction or happiness, I found that there are some really key fundamental pieces that we've got to lock into place to really get to the customer satisfaction and customer experience that we're seeking. For me, I think brand awareness is first. If your brand awareness is out there and it's really strong, people are going to gravitate towards it organically.Share on X That’s going to decrease your SEO spend, you decrease your marketing, decrease your turnover for people, because people want to be part of that. The interesting story on brands — and I don't know how true it is, I meant to look it up before this — but I saw something on social media about Tommy Hilfiger. And before he launched his clothing brand, he didn't have anything, but his brand was so far out in front of himself that people thought this was this great designer, and he hadn't designed anything. And it was all tied to that piece of brand. So if your brand is strong enough, you can do incredible things. So I think brand is super important.  Yeah. Let me just interject here. So probably 20 years ago, I was working with a company, and it was actually in the construction space. It was in the environmental construction space. And this company had an amazing brand. So the founder was a great thought leader, and he was blogging and talking in forums. And I really thought that this company's got to be a $50 million company. I mean, they're so powerful. And then they invited me to their board as a board member. I said, “Wow, this is such an honor.” This big company. And it turned out it was just a $5 million company. But the brand was so powerful that they looked much bigger.  Yeah. And that statement, that’s an appealing thing. So if you think of yourself as a high level achiever, an A-player, and you are gravitating to that brand, that’s what it’s going to do. You're going to bring in the right people, and then if you've got the right culture and the right other pieces, you're going to stick around with that company.Share on X So a $5 million company can look like a $50 million company and be really attractive to people that are interested in that type of world. Yeah. Super important. Love that story. The second thing for me is team support. This is where I really saw in my career as I grew. I can tell you, my first construction job at the construction management level, my VP of construction told me, and this is 20 plus years ago, I haven't forgotten it — he said, “My leadership style is to give you just enough rope to hang yourself.” And to this day, I have no idea what the heck that means. But what he did show me was he wasn’t going to support me. He wasn’t going to encourage me. He wasn’t going to help me grow. He was basically going to let me swim in the deep end. And if I made it, great. And if I didn’t, no problem — there's another guy behind me. And that’s the mentality of the construction industry. And what I said was, we do a great job of spending money for our sales team. Sales team needs training, we’ll spend the money on training. If the executives need training, we’ll spend the money on training.  But who’s training the middle managers? Who’s training the young men and women coming into the industry? Who’s training the people who don’t have the experience? There’s a big myth in that world. So I think from an internal standpoint — and mind you, coaching is a buzzword right now, just as leadership is — not everybody's a coach, and not everybody's a leader, and that's okay. But if you do have somebody who can coach on your team, and you can coach your team up internally, it’s a very big value add. And so for me, my coaching ability has been a real value add for people that I've recruited, for people I've had on my team, and people I've really invested in and helped grow.Share on X And quick story on coaching. I interviewed this young candidate, I mean, really good-looking kid. He had tons of talent, education, everything he needed, but no construction experience. Still, he had all the right soft skills. And it came down between our company and one of the big national builders. And typically, you’d go to the national builders, more money, more upside, more advantages. And he asked me, the last question he asked me, he said, “Why would I come work for you guys versus this other company?” I said, “Because they don't have me.” I said, I’m not saying this is an arrogant thing to say. I’m saying that I’m going to pour everything from me into you and help take you to where you want to go. You won’t get that anywhere else. Because when we’re done after three years, you can go anywhere you want. And that young man is currently making almost as much as I was making as a C-suite employee, and he’s out in the field running projects. And that’s only like a three or five year period. Like that’s incredible growth, but it’s because of the investment we made in him.  Yeah. There's this saying — I think it's Zig Ziglar — that people don't invest in their people, they don't coach their people, because they're afraid that they’re going to go away to the competition. And then Zig Ziglar asks, “Okay, but isn't there a greater risk that you don’t coach them and and they stay?”  Yes. This is always the thing. And I think a lot of people have a scarcity mindset where they’re so afraid of, if I pour into you, you’re going to go and you’re going to take it somewhere else. What I say is, I’m okay with that. Because when you go somewhere else, you're going to say, “Josh McMahon built me up. He gave me the foundation for my career. He put me in the position I’m in today. I have what I have because of my start. You should go there and get the training from him. There’s no sham e in that because, again, we go back to point number one: brand. That’s tight. That’s my brand out in front of our company that adds value to our company.  So I started my career at KPMG, and one of the ideas they had was this pyramid structure — up or out. But the idea was to take care of the people that even when they leave, they become ambassadors for you on the client side. And then they’re going to convince the client to hire KPMG to be their auditor. And I really like this.  It’s so special, right? Because what you, I mean, Steve, you think about this, we worked together two or three years ago. We still stayed in touch. Even though there’s no financial gain, we still help each other where we can because I want the best for you, as you want the best for me. And that’s what you’re really looking for.  Yeah, that’s true. And the thing about coaching is you have the double benefit, because the company benefits because it has motivated employees who are performing at the higher level than when they came in, and at a higher level than where you hired them, frankly. Correct.  And then they are building a career. So they are building a career equity for themselves. And actually that’s why you get a better ROI on these people, because they have more career equity, they have more skill level than what you have to pay them because you are growing them.  That’s exactly right. You’re building into those individuals that generational wealth that most of us are seeking, or think is out of reach. It's there. We just need somebody to believe in us, and that’s really that piece. The third thing for me, especially in construction, it’s the trade partners. And when I think about it, as a general contractor, look—I'm wearing a collared shirt. You're not going to see me on the job site swinging a hammer. I’m out there with the building plans. I’m verifying things. I'm scheduling. I'm doing more management-level work. That means my trade partners are carrying the lion’s share of the work that actually goes into place. And as a construction company, we don’t make money unless work goes in place.  So I have to do the same thing I'm doing with my internal staff with my trade partners. I have to build them up. I have to elevate them. I have to put them in a position to win.Share on X And this is very basic—schedule accurately. Treat them like people. Treat them with respect. When you go on the job, support them. Listen to their feedback. So if they’re sharing something that’s not working, listen to it with an open mind. And maybe we can do something different, or we can explain why we can't do something different, so they have a better understanding of the ‘Why’ behind what we’re doing. Yeah.  So the trade partners is my next big pillar.  And it’s harder to manage trade partners. I mean, I’m not in the construction, but it’s going to be harder because they are part-time with you. They have other commitments that they have to observe. They don’t wear your brand. They are being paid by someone else who may have a different corporate culture than your company has. And you have to bring them in part-time and make them as good as your standard.  Yes. The hard thing is you have to share with them your vision first. This is who we are. This is what we stand for. Share with them your core values. And then build them up and show them that they’re truly a partner in this. Most of us don’t treat them like partners. We treat them like subcontractors. We treat them like they're inferior individuals—less than me. And I think they can work for you part-time and do that. And you’re absolutely right. But if we treat them like people, we build them up, they’ll be there. Because I want to treat them in a way where, hey, you might be a great plumber, but you’re a terrible business person, and I can maybe help you better understand. I say this because I'm working with a young plumber who's bidding things, and he’s just all over the place. And I'm saying, “Hey, how did you come to this number?” “Well, I just know I need to make X dollars.” And I'm like, “Well, how do you know how much money you need to make? What's your break-even number? What's your overhead burden?” Starting to help him better understand how to break down the P&L, how to charge the right margin on the job so that you’re getting work as consistently as you want, but most importantly, so you can grow your business and continue to support my business as it grows too.Share on X Yeah, you want to create stability for them as well. And if you treat subcontractor well, then they’re going to prioritize you, won't they? So they have other customers that may not treat them as well. You’re going to get the most of the energy from them if you treat them well. And that’s also a huge benefit for your business. There’s nothing lost in that, right? Again, you’ve got brand ambassadors out there talking about, one, this guy builds a great house. He treats everybody great. You made the right choice buying with with McMahon Custom Homes. Because, Steve, if you’ve ever been on a job site, the trades will tell people what they feel, whether it’s good or bad. Yeah. So you are getting it no matter what.  Yeah. You go and you look at the construction site and ask around, and then you will get exactly the kind of general contractor you may be dealing with.  Yes. I mean, absolutely. We love to talk, and so you want people talking about good things and talking up your business and what’s happening in the field, and that’s extremely valuable. Okay, so step number one, brand awareness. We talked about that. Then supporting the team. Yes. So that they feel that they are growing and they are recognized as individuals, that you care about them. Yeah. Then the same goes with the trade partners. You support them even though they’re not your employees.  Yes.  What’s step four?  Yeah. Step four is training. Okay. And training, I think of training in terms of systems that you’re putting in place. Constant, never-ending improvement on those systems. Systems are not static, so training is a nonstop thing that we've got to continue investing in and keep helping to grow our team. So constant process improvement. Having KPIs in place, or metrics in place. And the reason for those metrics is simply where do we need to focus our attention? What levers do we need to pull? And then I go back to the training. So then we train up on metrics that maybe aren’t working the way that we want them to, or we’re not getting the result that we want to get out of them. That’s where the training really comes into place. And if we don't have that training in-house, what stuff outside of the company can we get them into? What type of training do they need to level them up? Because as I think about training, Steve, most of us think you’ve got to fit every box, you’ve got to be the perfect candidate. But you and I both know that I’m good at three out of the five things, and you’re good at two out of the five things. So we make a damn good team together. And that’s okay, and we need to better learn how to cross-train each other, level one another up, and then find those right tools.Share on X  Absolutely. Okay, so what’s the final piece of the flywheel?  Yeah. Well, I feel like if you're doing all these things, brand awareness, team support, trade partner support, and the right training, and you're doing this continuous basis, you're going to have customer satisfaction.Share on X That’s exactly what you want. You’re going to create that customer experience because look, at the end of the day, we’re only here because of the customer. If the customer’s not interested in buying my product, I don’t have a business. And so all of these pieces drive that customer experience. That’s what continues driving who I am. One thing I’m really focused on with customer satisfaction and experience is having good specifications written down. I think yes, we’re a custom home builder, but I have minimum standards that I want to achieve.  So I have the minimum standards. Now, if your budget says, “Hey, we can't quite reach that level,” well, we can certainly reduce our standard. And when I say reduce our standard, I don’t mean cut a corner. I mean change from, say, a Kohler faucet down to a Delta faucet. It’s still a great faucet. It’s still a great brand. Maybe just not the same brand that I would use at this level of home. Or we can go the complete opposite direction and elevate that standard. But just having that set in place, so that if I say, “Steve, this home's going to cost you $1.2 million,” and you're like, “Oh, great. Well, the other builder's $1.3 million, so you've got a better price,” okay, great. But what goes into the price? What are you getting for the price? So if I have those minimum standards baked in, I can tell you, This is what you're going to get for $1.2 million. Now we can go in and customize it and make it your home. Having clear expectations. How important are clear expectations even in our coaching business, right? And it’s not just clear expectations from me to you, it’s clear expectations from you to me. I need to understand what your expectations are. I need to know that I can achieve your expectations. And I think that if I believe I can’t, I need to be honest and say, look, I’m not the right builder for you. I’m not the right business for you. But here are..  Or maybe your expectations are not realistic. Sometimes, for the budget you have, you need to make some trade-offs. Maybe you can have this man cave, but you'll have to cut back on the kitchen, and you’ll have to discuss it with your wife. And that’s really key. So the thing that I love about being a custom builder is that my focus is on collaboration.Share on X If you say, “Hey Josh, the budget comes in at $1.2 million, but I really want to be at $1 million,” okay, great Steve. I’m here to collaborate with you and show you ways we can tweak things, pull this down, and future-proof your home. Because I want you to have the home that you want, and in two years you can probably afford that additional $200,000. I don't want to put you in a place where you can easily plug and play that versus oh, now I got to rip out all these walls. I got to redo this. It's not $200,000—it could be $300,000. So that’s where we can collaborate and really find the right pieces to put you in the best position.  That’s very interesting. This whole framework, the culture that you build here. Is this something that connects this whole framework, this idea that you have, how you’re projecting the culture out into the customer service? Is this why you started the McMahon Custom Homes?  It truly is. Well, two parts, Steve. One, I’m an entrepreneur at heart and I have fought this my entire life, and I’ve always thought there was something wrong with me. Why can’t I just get on board? Why can’t I just drink the Kool-Aid? Why can’t I just get in line? And two or three years I go into a company, I do great things, I start rebuilding things, and then I start to get that itch. And then I’m like, okay, I need to go somewhere else. And for a long time I thought it was, well, I’m just moving to a new company to make more money, which was true. I was making more money, but then I wasn’t happy. Again, it was never tied to the money, so it was really just that entrepreneur need. But the second piece was, I've noticed for ten years—a decade—that our industry is in need of a massive transformation. The antiquated way of doing business and how we do things. I think the builder suites and the stuff that we have at our disposal is really good, but it’s not what everybody’s looking for. But I couldn’t tell you, the owner, Hey, we’ve got to scrap this. We need to do this. Because ultimately, even as the integrator, my job is to bring your vision to life. And if this is part of your vision, then I need to bring this to life. And so I started to realize with my entrepreneur spirit and my own ideas, I needed to start developing my own home building business to start bringing some of that to life, to really satisfy who I am and do the things that I wanted.Share on X Yeah, this is so important because, as entrepreneurs, we have this frustration. We are somewhere and things are not going as well as you would like. And we don’t get to tell the boss how to do things because they have their own ideas and their own set ways, and then they just get irritated by all those ideas and they feel like we are just being disgruntled employees, and this frustration eats away at you. And at some point you say, okay, what the heck? I'm just going to rip the Band‑Aid off and try to figure it out, right? It’s very true. I mean, it’s funny now looking back on it because there were so many times where I just didn’t understand. I was like, “What the heck is the matter with me?” But you’re exactly right — you’re going to bang your head against the wall, and not everybody’s cut out to be an entrepreneur, right? I mean, it sounds really great being self-employed, doing your own thing, making your own hours. It sounds great.  But I tell you something, Josh, not everyone is cut out to be an employee either.  No doubt, Steve. So true.  So it’s the other side of the coin. I think many of us become entrepreneurs because we basically eliminate all the viable alternatives.  Yeah. Burn all the boats, right?  Yeah.  I think there’s so much value in this. The second time we really got introduced and got to work together, you introduced me to the book Second in Command by Cameron Herold. I’m a  Cameron Herold fan in the Second in Command book, and I read that book and I said, “Man, this is me. I can do this.” I love being more in the shadows, helping a visionary grow their business, and doing all that stuff. What happened was, I started to really enjoy being out there, networking, putting myself out, and getting in front of people.  And I was like, well, I’m a visionary. I can see what’s going on in the future. And I think I was more of a visionary than the person who said he was a visionary. So it was really like, then we’re clashing heads on which vision are we chasing. And I’m like, I got to get outta here because I’m steering you away from what you want to do, and that’s not fair to you.  I think there are two major types of visionaries. There are the born visionaries, and then there are the evolved visionaries. So you have the born visionary who is a visionary because they are just not able to execute, but they can come up with all the big ideas. And if they find people who can execute for them, they're in luck, and they might build a company. And then you have the evolved visionary who starts out doing the work, grinding, figuring things out, teaching themselves discipline and work ethic. And then they start to manage people because they’re doing it better, so they get more responsibility, and then they become an integrator or operator. And at some point, they want to come out of the cocoon and do it themselves. And maybe you’re that version of it, the evolved visionary.  You summed that up perfectly because that's exactly how this whole thing transpired.  Love it. So tell me about, what makes McMahon Custom Homes unique? Beyond the culture—is it the culture that makes you unique, or is there something else? From the eyes of the customer, what makes you unique?  I don’t know that it’s our culture that makes us unique. I think what really makes us unique is our process—how we do things. We start everything with an initial consultation, just myself meeting with the homebuyers. Typically, it's a virtual meeting where I want to learn more about your project. I’m interested in what you want to build, what your expectations are, what your non-negotiables are, and I just really explore everything under the sun about your project.  Then I'm going to ask the dreaded question: what's your ideal budget? Most—or a lot of—people say, “You know what, I don't want to give the budget. So I'll say, “Okay, what budget number scares you?” Because as a custom home builder, I’m going to help you design the home that you want for the price that you want. But I’m going to also share with you if it’s not possible. If you have a home design that's more than what your budget is, I'm going to share that with you in real time, as soon as I can. So I'm very transparent. And I learned this from working in my past, where we wouldn't share those numbers with clients. We had a client where we were a million dollars over their ideal budget. It was six to eight months of working with them and about $25,000 in actual costs. I don't need to tell you—the homeowner was not pleased, and the homeowner did not pay that bill.  So that was a major lost opportunity in the build, but also the opportunity cost and how much time we spent on it. I learned from that and said, “Hey, I don't want to do that. I don't need every buyer to be a yes. If I'm a good fit for you, and I'm a good builder for you, great—let's go.Share on X I want to build your house. I’m excited about building homes for people. But I don't need to build everybody's house, because for some people, it's just not the right fit. So for me, I'm your guide in this process. And that's what I really pride myself in. You want to build a home, I’m going to guide you through this process, help you with each step of the way. Help you with the county side, the field side. I’m here to guide you through that whole thing. We really work towards your budget, your ideal budget. We build it out. We’re very transparent. A lot of clarity on what we’re doing, where we can collaborate, where we can maybe say, Hey, instead of $80,000 tile package, we can get a $45,000 tile package. Because we’re really looking for what’s your vision for it.  Yeah.  What do you want to see? How do you want to feel? And we can help you pull that together.  Yeah, I think that’s very interesting, because I can see that there is value being created when you have an empathetic CEO who runs the business. You, in that case, who really gets to feel what the lifestyle of the individual is, what their vision is. You help them paint the picture so that you see it as well, and then you measure each element in proportion to their desires. Because maybe they want something like a really flashy countertop in the kitchen, but they really don’t care about what the deck is going to look like. Maybe it’s a stup*d example. And when someone buys, I don’t know, a standard home, then you are going to pay for stuff that you really don’t care about, and you are not going to get the stuff that uniquely is important to you. And with that approach that you’re doing, you are measuring everything to the right degree, and it’s going to be a perfectly balanced meal for the customer. That’s a great way of looking at it. That’s exactly right. And the deck versus man cave or versus this, that’s exactly the right way to look at it. A deck is a great add-on. It can be done anytime in the build. It can be done anytime. It's a minimal barrier to entry. Well, something on the inside of the house, the kitchen, the showstopper kitchen, that’s a different story, right? Because now you're impacting your life. You’re changing things. If we understand that the kitchen is a really prime target, then we want to make sure we commit enough money to that area. We want to make sure we commit enough design hours to that area. And maybe other areas are like, “Hey, minimum standard's great with us.” Perfect. Done.  Yeah. We only sleep in the bedroom, we don’t do anything else.  Exactly. Great point.  Which is a problem in itself. Anyhow, if someone would like to learn more and maybe learn your ideas—maybe they want to be coached by you, or they want to learn about McMahon Custom Homes, what it takes to align with your vision—and particularly if they're in Central Virginia where you work, where should they reach out and where can they find you? Yeah, so several different places. McMahonCustomHomesLLC.com is our website, so you can certainly find us there. We have an active Instagram account, McMahon Custom Homes. I have an active Facebook account, again, McMahon Custom Homes. I do have a LinkedIn account, McMahon Custom Homes, LLC. Also for myself, my wife and I host a bi-monthly podcast. We took a year hiatus, and we just started again in 2026. Our podcast is not on McMahon Custom Homes, but it's really about the construction industry, different things that you experience, and really just giving back and trying to help others learn from maybe stuff that we did or things that we’re experiencing. My wife is a designer. I'm the home builder, so you kind of get a good mixed bag. And that's Feed Me Your Construction Content, if you're ever interested in tuning into that.  Yeah. And if you would like to see what a collaboration between Josh and his wife looks like, then check out his website,  McMahon Custom Homes. You can check out his house, or their house, that they built together. And it’s a beautiful house.  Yeah. Thank you.  It's a good place to start. Josh, loved it. I loved your content. Really interesting how you created the Satisfaction Pyramid in construction. I think that parallel applies to other businesses as well. Obviously, the elements are slightly different, but brand awareness, supporting the team, supporting your partners, training your people, pouring into them, and then creating that customer satisfaction are important in any industry. So thank you. If you enjoyed listening to this show, make sure you follow us on LinkedIn and on YouTube. And stay tuned, because every week I bring an exciting entrepreneur or thought leader on this show. Thank you for coming, Josh, and thanks for listening. Important Links: Josh's LinkedIn McMahon Custom Homes website McMahon Custom Homes LinkedIn

In this important episode, Charlie Sykes and Matt Lewis break down the stunning Texas Senate special election upset: Democrat Taylor Rehmet flips a +17 Trump district by 14 points (31-point swing!) despite massive GOP spending and Trump intervention. Is this the start of a midterm wave driven by ICE overreach, Minneapolis protests/shootings, and cratering Hispanic support?We also discuss:— The heartbreaking-then-hopeful story of 5-year-old Liam Ramos released from ICE detention after a scathing judge's opinion— Fresh Epstein file dumps raising Russian ties and elite scandals— Why Trump's mass deportation chaos is backfiring and supercharging Democratic motivation— And MUCH more!Subscribe to Matt Lewis on Substack: https://mattklewis.substack.com/Support Matt Lewis at Patreon: https://www.patreon.com/mattlewisFacebook: https://www.facebook.com/MattLewisDCTwitter: https://twitter.com/mattklewisInstagram: https://www.instagram.com/mattlewisreels/YouTube: https://www.youtube.com/channel/UCVhSMpjOzydlnxm5TDcYn0A– Who is Matt Lewis? –Matt K. Lewis is a political commentator and the author of Filthy Rich Politicians.Buy Matt's books: FILTHY RICH POLITICIANS: https://www.amazon.com/Filthy-Rich-Politicians-Creatures-Ruling-Class/dp/1546004416TOO DUMB TO FAIL: https://www.amazon.com/Too-Dumb-Fail-Revolution-Conservative/dp/0316383937Copyright © 2026, BBL & BWL, LLC

If you work at SpaceX, you're likely holding one of the most valuable (and complicated) assets in the world. With a potential IPO on the horizon, the decisions you make with your SpaceX stock, RSUs, and equity compensation could determine whether that wealth creates freedom or long-term stress.Instead of starting with “What should I do with my stock?”, James explains why the first question has to be “What do I want my life to look like?” Without that clarity, selling, holding, or diversifying SpaceX stock becomes guesswork... even if the company continues to perform well. Using a detailed case study that closely mirrors the financial reality of many SpaceX employees, James shows how it's possible to be worth millions on paper and still feel financially constrained. When the majority of wealth is tied up in illiquid company stock, day-to-day flexibility, retirement timing, and peace of mind can all feel out of reach, even with enormous upside ahead. The focus isn't on predicting SpaceX's future valuation. It's on using equity intentionally. James walks through how taking enough chips off the table (not all of them) can lock in early retirement, reduce risk, and create optionality, while still allowing participation in future upside. He covers diversification, tax planning, liquidity decisions, charitable strategies, and why “retiring early” is less about stopping work and more about becoming financially independent. For SpaceX employees approaching liquidity events, vesting milestones, or long-term career decisions, this is a framework for turning concentrated stock into a life with more control — instead of deferring freedom while waiting for a perfect outcome.If you work at SpaceX and want your stock to support the life you actually want to live, this perspective changes how every decision gets made.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

The survival rate of brands at $1 is brutal enough. And at $10M, even more hit a wall or die. But the real problem that survivors face as they scale into eigth figures is stagnation. The grand delusion is that adding more and more retail accounts will keep the brand growing. But this is an illusion whose fragility exposes itself once deceleration begins and doesn't reverse with new accounts. Growing past $100M and deep into the nine figures is NOT a sales game. It is a marketer's game. But most brands need to change one thing. Have a listen and take notes. This is not material in my book.Your Host: Dr. James F. Richardson of Premium Growth Solutions, LLC www.premiumgrowthsolutions.com Please send feedback on this or other episodes to: admin@premiumgrowthsolutions.com

President Trump has issued a direct warning to Minneapolis Mayor Jacob Frey after the city publicly stated it will not enforce federal immigration laws. In this video our experts analyze and educate you on what happened and why with fact based, data based, verified and researched expertise reporting. For free and unbiased Medicare help, dial (656) 218-0931 to speak with my trusted partner, Chapter, or go to https://askchapter.org/nez▶Sign up to our Free Newsletter, so you never miss out: https://bio.site/professornez#trump #jacobfrey #minnesota Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.

BONUS EPISODE: Sean Answers Your Season 2 Burning Questions! (Part One)Get ready because we're spilling all the tea.  Let's just say you all had a lot of questions about...Chad!  So let's dive right in!   And don't miss Part 2 of this episode coming out next week!SPOILER ALERT:  Contains spoilers for Seasons 1 and 2 of Stage Combat: A Mental Health StoryEdited by Justin Gerrish and Alex Griffith.Podcast icon designed by Fran Pinter-Parrott.Directed by Sean HaydenProduced by Haywood Productions, LLC.Sean Hayden is the CEO of Haywood Productions, LLC.  As a professional actor, Sean has appeared in two Broadway national tours and in plays and musicals in theaters across the country.    He is a proud union member of Actors' Equity Association.  As a mental health advocate, Sean has provided thought leadership on how employers can better support the mental health of their employees.  His op-ed on “Men and Mental Health” appeared in The Economic Times.   Sean resides in New York City and upstate New York with his husband, a screenwriter.   Follow us:Instagram  instagram.com/stagecombatthepodcastigFacebook https://www.facebook.com/profile.php?id=100089296591562&mibextid=LQQJ4dTikTok  StageCombatthePodcastEmail us:  stagecombatthepodcast@gmail.comRate, review and follow us on your podcast platform!Sign up for the Stage Combat newsletter and listen to episodes online at stagecombathepodcast.comClaim Your Story!Mental Health Resources:The National Alliance on Mental Illness (NAMI) is a free, nationwide peer-support service providing information, resource referrals and support to people living with a mental health condition.  Call the help line at 1 800 950 6264 or text to 62640. If you or someone or know is in crisis or contemplating self-harm, you can reach out to the Suicide and Crisis Lifeline by simply dialing or texting 988.  ***The content in this podcast should not be considered medical or legal advice.  Please consult with a medical professional for any medical or mental health issues and with an attorney regarding any legal issues

The CPG Guys are joined in this episode by Curt Munk, Head of Sales & Strategy at Tracy Locke, the Original Commerce Agency. Their relentless focus on the future and willingness to embrace innovative thinking has kept them and our clients ahead of the commerce curve for over 100 years. This episode was recorded in Las Vegas Nevada at CES 2026.Find Curt on Linkedin at: https://www.linkedin.com/in/curt-munk/Find Tracy Locke on Linkedin at: https://www.linkedin.com/company/tracylocke/Find Tracy Locke online at: https://tracylocke.com/Here's what we asked him:What are the major areas of focus at CES?With respect to the Venetian Hotel, what types of tech are found on the show floor?How do you go about curating all of the tech on display?What you take clients on floor tours, how do you think about ensuring the content matches their business issues?What were some of the best tech innovations at CES 2026?Is 2026 a step-change year for tech or a natural progression?CPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comSheCOMMERCE Website: https://shecommercepodcast.com/Rhea Raj's Website: http://rhearaj.comLara Raj in Katseye: https://www.katseye.world/DISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent.CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

Before you file your taxes, there are critical financial planning moves you need to understand. In this episode of the Wise Money Show, we break down the most important tax law changes for 2025 and 2026, including SALT cap updates, senior deductions, child tax credits, and new retirement rules. This isn't about getting a bigger refund; it's about using proactive tax planning to pay less tax over your lifetime and avoid costly mistakes.  Season 11, Episode 24 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/q52UrJxJDU0  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

On episode 227 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Fundstrat's Tom Lee to discuss: market headwinds in 2026, why Tom is still bullish, the precious metals rally, the crypto bear market, Tesla's big bet on robots, and much more! This episode is sponsored by Franklin Templeton.  Learn more at https://franklintempleton.com/muniETFs Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Franklin Templeton Disclosure: Before investing, carefully consider a fund's investment objectives, risks, charges and expenses. You can find this and other information in each prospectus, or summary prospectus, if available, at https://franklintempleton.com. Please read it carefully. All investments involve risk, including possible loss of principal. An investor may be subject to the federal Alternative Minimum Tax, and state and local taxes may apply.  Franklin Distributors, LLC. Member FINRA/SIPC. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Heartbreak can feel like the end of everything, but it's often the beginning of healing. In this raw episode of The Sabrina Zohar Show, Sabrina shares the three biggest heartbreaks of her life and what they taught her about anxious attachment, abandonment wounds, limerence, and self-worth. From childhood trauma to toxic relationships and loss, this episode explores how heartbreak shapes our dating patterns and beliefs about love. If you're struggling with breakups or repeating unhealthy relationship cycles, this episode breaks down why heartbreak hurts so deeply and how healing actually begins. If you're ready to slow down, trust your instincts, and break your old dating patterns, the Healthy Relationship Foundations Course walks you through it step-by-step  HERE! If you're serious about changing your dating patterns instead of repeating them, the Art of Going Slow course helps you unlearn urgency, regulate your nervous system, and build real connection without rushing, chasing, or abandoning yourself HERE! Get Ad free HERE!Want to work with Sabrina? HERE!Get merch for The Sabrina Zohar Show HERE!Don't forget to follow Sabrina and The Sabrina Zohar Show on Instagram and Sabrina on TikTok! Video now available on YOUTUBE! Please support our sponsors! For a limited time get 40% off your first box PLUS get a free item in every box for life. Go to https://⁠Hungryroot.com/SABRINA⁠ and use code SABRINA Head to https://⁠⁠AirDoctorPro.com⁠ and use promo code SABRINA to get UP TO $300 off today! AirDoctor comes with a 30-day money back guarantee, plus a 3-year warranty Give your skin a rest with clean, clinically tested skincare from OSEA. Get 10% off your first order sitewide with code SABRINA at ⁠https://⁠OSEAMalibu.com Ready to quit for good? Go to ⁠https://⁠quitwithjones.com/SABRINA⁠ to start your personalized quitting journey and get 15 percent off with code SABRINA ============================= Chapters 00:00 Heartbreak and Healing Journey 03:10 Childhood Trauma and Attachment 06:25 Emotional Neglect Core Wounds 09:40 How Trauma Shapes Dating Patterns 13:05 Limerence and Anxious Attachment 17:10 Toxic Relationships and Manipulation 21:45 Breakups, Grief, and No Contact 25:30 Losing Yourself in Relationships 29:00 Healing Core Beliefs and Self Worth 32:20 Choosing Emotionally Safe Love Disclaimer: The Sabrina Zohar Show, formerly known as Do The Work, is not affiliated with A.Z & associates LLC in any capacity. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you making smart tax and legal decisions, or leaving money on the table without realizing it? In this episode of the Main Street Business Podcast, Mark J. Kohler tackles your toughest questions and breaks down real-world tax strategies, asset protection myths, and retirement planning mistakes that business owners and investors face every day.From selling million-dollar collectibles and avoiding unnecessary taxes, to understanding how S Corporations can impact Social Security benefits later in life, Mark tackles listener questions with practical, no-nonsense advice. You'll learn why LLCs don't magically reduce taxes, how charitable remainder trusts really work, and when trusts actually make sense — and when they're a complete waste of money.If you're a small business owner, investor, or high-income professional looking to legally reduce taxes, protect assets, and build long-term wealth, this episode is packed with insights you can use right now!You'll learn:Why setting up an LLC or corporation won't help you avoid capital gains taxes when selling high-value collectiblesWhen trusts actually make sense for asset protection—and when they're an expensive mistakeWhy Social Security has diminishing returns for high earners and how S Corporations change the mathThe rules around depreciated equipment and why you can't “reset” depreciation with a new entityHow self-rental real estate strategies can unlock powerful deductions for business ownersWhat counts as a prohibited transaction inside IRAs and Solo 401(k)s—and what doesn'tGet a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!! Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp607-open-forum-toughest-tax-and-legal-questions Grab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For Small Business Owners On Main Street America: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

Today we are breaking down Games Workshop. This episode is another examination of the business of IP. Whether it's Disney, Electronic Arts, or Nintendo, there are so many businesses built around core IP. And while Games Workshop and its Warhammer franchise may not be as familiar to our North America listeners - this episode will tell you why that may be changing very soon. My guest is Todd Wenning, President and CIO of KNA Capital. Todd shares his own personal story uncovering Games Workshop many years ago, he gets into the fun evolution of this business which ties into the vertical integration today, and he shares what lies ahead as awareness of Warhammer's loyal enthusiasts welcome more into their world. For the full show notes, transcript, and links to the best content to learn more, check out the episode page⁠⁠⁠⁠⁠⁠⁠ here.⁠⁠⁠⁠⁠⁠⁠ — This episode is brought to you by⁠⁠⁠⁠ ⁠Portrait Analytics⁠⁠⁠⁠⁠ - your centralized resource for AI-powered idea generation, thesis monitoring, and personalized report building. Built by buy-side investors, for investment professionals. We work in the background, helping surface stock ideas and thesis signposts to help you monetize every insight. In short, we help you understand the story behind the stock chart, and get to "go, or no-go" 10x faster than before. Sign-up for a free trial today at⁠⁠⁠⁠ ⁠portraitresearch.com⁠⁠⁠⁠⁠ — Business Breakdowns is a property of Colossus, LLC. For more episodes of Business Breakdowns, visit⁠⁠⁠⁠⁠⁠⁠ colossus.com/episodes⁠⁠⁠⁠⁠⁠⁠. Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠). Timestamps  (00:00:00) Welcome to Business Breakdowns (00:03:55) Introduction to Games Workshop  (00:05:31) History of the Warhammer IP  (00:09:14) Games Workshop's Evolution  (00:10:59) Warhammer Retail Stores  (00:12:37) The Numbers Behind Warhammer's Popularity  (00:14:03) Geographic and Demographic Concentration  (00:16:36) Competition from Other Games & Hobbies  (00:18:49) Events and Community: Hidden Network Effects  (00:19:48) Margins and Cash Generation  (00:21:31) Growth Drivers & Prime Potential  (00:24:51) Licensing Model & Tariff Volatility  (00:26:49) Why the Business is Defensible  (00:28:33) The Relevance Risk  (00:31:43) Games Workshop's Unique Flat Structure  (00:32:52) Capital Allocation & Dividend Focus  (00:34:16) Valuing Games Workshop  (00:35:25) Three Man Risks for the Business  (00:38:33) Riches in Niches & Other Lessons

Is the U.S.-China AI rivalry a zero-sum game? While the race for technical dominance heats up, both nations are taking radically different paths to the finish line. MIT Technology Review's Caiwei Chen and the FT's John Thornhill join host David Rothkopf to explore where China currently holds the edge—and why the "us versus them" framework fails to capture the true complexity of the AI landscape. This material is distributed by TRG Advisory Services, LLC on behalf of the Embassy of the United Arab Emirates in the U.S.. Additional information is available at the Department of Justice, Washington, DC. Learn more about your ad choices. Visit megaphone.fm/adchoices

I pulled together your most compelling questions, covering everything from fixing circadian rhythms and curing migraines to the truth about whey protein and healthy snacks for kids. Instead of giving you half-answers, this Q&A session I dive deep into the mechanisms of how your body actually works so you can navigate complex topics like peptide therapy, hormone replacement, and metabolic health with confidence. CLICK HERE TO BECOME GARYS VIP!: ⁠https://bit.ly/4ai0Xwg⁠ Thank you to our partners H2TABS: “ULTIMATE10” FOR 10% OFF: ⁠https://bit.ly/4hMNdgg⁠ BODYHEALTH: “ULTIMATE20” FOR 20% OFF: ⁠http://bit.ly/4e5IjsV⁠ BAJA GOLD: "ULTIMATE10" FOR 10% OFF: ⁠https://bit.ly/3WSBqUa⁠ SNOOZE: LET'S GET TO SLEEP!: ⁠https://bit.ly/4pt1T6V⁠ COLD LIFE: THE ULTIMATE HUMAN PLUNGE: ⁠https://bit.ly/4eULUKp⁠ WHOOP: JOIN AND GET 1 FREE MONTH!: ⁠https://bit.ly/3VQ0nzW⁠ AION: “ULTIMATE10” FOR 10% OFF: ⁠https://bit.ly/4h6KHAD⁠ A-GAME: “ULTIMATE15” FOR 15% OFF: ⁠http://bit.ly/4kek1ij⁠ PEPTUAL: “TUH10” FOR 10% OFF: ⁠https://bit.ly/4mKxgcn⁠ CARAWAY: “ULTIMATE” FOR 10% OFF: ⁠https://bit.ly/3Q1VmkC⁠ HEALF: 10% OFF YOUR ORDER: ⁠https://bit.ly/41HJg6S⁠ RHO NUTRITION: “ULTIMATE15” FOR 15% OFF: ⁠https://bit.ly/44fFza0⁠ GOPUFF: GET YOUR FAVORITE SNACK!: ⁠https://bit.ly/4obIFDC⁠ GENETIC METHYLATION TEST (UK ONLY): ⁠https://bit.ly/48QJJrk⁠ GENETIC TEST (USA ONLY): ⁠⁠https://bit.ly/3Yg1Uk9⁠ Watch  the “Ultimate Human Podcast” every Tuesday & Thursday at 9AM EST: YouTube: ⁠https://bit.ly/3RPQYX8⁠ Podcasts: ⁠https://bit.ly/3RQftU0⁠ Connect with Gary Brecka Instagram: ⁠https://bit.ly/3RPpnFs⁠ TikTok: ⁠https://bit.ly/4coJ8fo⁠ X: ⁠https://bit.ly/3Opc8tf⁠ Facebook: ⁠https://bit.ly/464VA1H⁠ LinkedIn: ⁠https://bit.ly/4hH7Ri2⁠ Website: ⁠https://bit.ly/4eLDbdU⁠ Merch: ⁠https://bit.ly/4aBpOM1⁠ Newsletter: ⁠https://bit.ly/47ejrws⁠ Ask Gary: ⁠https://bit.ly/3PEAJuG⁠ Timestamps 00:00 Intro of Show 01:55 Circadian Rhythm Disruption for First Responders 03:08 Weight Gain for Elderly People 04:33 Migraine Headaches and Sodium Levels 06:35 Exercising in a Fasted State 07:37 Essential Amino Acids Consumption 08:38 Is Whey Protein Powder Overly-Processed? 09:27 Travel Hacks for Maintaining Optimal Health 10:42 Supporting Children's Optimal Brain Development 12:17 Clean Protein Sources 12:57 Addressing Psoriasis Root Causes 14:03 Hormone Replacement Therapy for Elderly Women 15:13 Peptide Therapy: Where to Start Safely? 18:24 Join the Ultimate Human VIP Disclaimer: This podcast is for informational purposes only and does not provide medical advice. It is not intended for diagnosing or treating any health condition. Always consult a licensed healthcare professional before making health or wellness decisions. Gary Brecka is the owner of Ultimate Human, LLC which operates The Ultimate Human podcast and promotes certain third-party products used by Gary Brecka in his personal health and wellness protocols and daily life and for which Ultimate Human LLC and / or Gary Brecka directly or indirectly holds an economic interest or receives compensation.  Accordingly, statements made by Gary Brecka and others (including on The Ultimate Human podcast) may be considered promotional in nature. Learn more about your ad choices. Visit megaphone.fm/adchoices

John Jay vs. the Mob reveals why the rule of law is the foundation that keeps a republic from collapsing into chaos. When mobs decide which laws apply, liberty does not expand, it disappears. This episode of America's Founding Series tells the gripping story of John Jay, a Founding Father who understood that freedom is threatened not only by tyrants, but by organized mobs that reject the legitimacy of law itself. From the streets of 18th-century New York to the unrest unfolding today in Minnesota, this episode explores how mob rule, selective enforcement, and fear of public pressure endanger the Republic. John Jay's life offers a warning that is more relevant now than ever. What You'll Learn in This Episode Why John Jay believed unchecked mobs were just as dangerous as kings How the 1788 New York riot shaped Jay's understanding of liberty and order What the Federalist Papers reveal about restraining all forms of power Why selective law enforcement undermines constitutional government How modern unrest echoes the same threat Jay warned about centuries ago

Episode SummaryI share my best morning routine ever. This simple strategy has proven to be the most effective way to start your day!.Show Notes Pagejeffsanders.com/611a.Go Premium!Exclusive bonus episodes, 100% ad-free, full back catalog, and more!Free 7-Day Trial of 5 AM Miracle Premium.Perks from Our SponsorsClickUp → Use my code MIRACLE to get 15% off all AI add ons.Learn More About The 5 AM MiracleThe 5 AM Miracle Podcast.Free Productivity Resources + Email Updates!Join The 5 AM Club!.The 5 AM Miracle BookAudiobook, Paperback, and Kindle.Connect on Social MediaLinkedIn • Facebook Group • Instagram.About Jeff SandersRead Jeff's Bio.Questions?Contact Jeff.© 5 AM Miracle Media, LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.