Podcasts about ltv

After spending back-to-back VIP days with multiple multi-seven-figure leaders, Kelly noticed a powerful pattern: The businesses ready to scale fastest weren't missing strategy — they were missing identity. In today's episode, Kelly breaks down why backing up to the identity of your brand may be the most important move you make heading into 2026. In an economy where information is commoditized and AI is everywhere, the businesses that win are the ones that lead movements, not transactions. This episode will challenge you to rethink how you cast vision, create belonging, and build a brand people want to stay loyal to for years, and not just buy from once. In this episode, Kelly explores: Why logic alone no longer converts buyers (and, how movements outperform marketing tactics) The difference between customers who transact and customers who stick around How to create "stickiness" (and ultimately, lifetime value) through identity and conviction Why the heart and soul of your brand matter more than ever in 2026 TIMESTAMPS: 03:06 – 05:40 — What Kelly noticed after multiple VIP days with 7-figure CEOs 05:41 – 07:55 — Why growth stalls when identity isn't clear 07:56 – 10:20 — Logic vs. emotion: how people actually decide to buy 10:21 – 12:45 — Transactions vs. movements (and why LTV suffers) 12:46 – 15:05 — How identity creates brand "stickiness" 15:06 – 17:30 — Service-based businesses and the lost art of stewardship 17:31 – 18:55 — Why AI makes conviction and humanity non-negotiable RESOURCES: Grab your copy of Conviction Marketing: https://www.amazon.com/Conviction-Marketing-Kelly-Roach/dp/B09S259DWK Subscribe to Kelly's Substack channel: https://kellyroachofficial.substack.com/  Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/  Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/   Connect on LinkedIn: https://www.linkedin.com/in/kellyroachint/ 

About the guest: Dr. Alexa D'Agostino is a “doctor of marketing” and founder/operator who's built and scaled multiple businesses. She's known for blending sharp performance marketing thinking with operational reality, systems, metrics, team structure, and the mindset required to scale without breaking. She also runs an invite-only mastermind built around proximity to high-level operators and coaches.About the episode: Most leaders say they want growth, more revenue, more clients, more recognition but Dr. Alexa D'Agostino calls out the uncomfortable truth: many businesses aren't growth ready… they're chaos ready. In this conversation, Steve and Alexa unpack what “growth ready” really means when pressure hits: clean systems, clear roles, scalable offers, and metrics that matter.Key topics:“Growth ready” vs. “chaos ready” (and why most businesses are the latter)Why scaling exposes problems instead of fixing themThe non-negotiables: systems, lanes, people, and a scalable offerMetrics that matter (CPA, LTV) vs. vanity metrics (likes/followers)Delegation, automation, and building a machine that works without youFailure: not the fear of it, but the avoidance of what you already know must changeCuriosity as interrogation: using fear as dataMindset as an operating system and why it must be upgradedThe role of environment: outgrowing people, protecting energy, and choosing alignmentIntegrity under pressure: the gap between stated values and calendar realityLinks and resources mentionedDr. Alexa D'Agostino: https://alexadagostino.com/Social handle mentioned: “Dr. Alexa D'Agostino” (on most platforms)Send us a textSupport the showConnect with Steve Mellor Stay connected and keep growing with Steve: LinkedIn - https://www.linkedin.com/in/steve-mellor-cc/ Instagram - https://www.instagram.com/coachstevemellor Book Steve to speak at your next event → www.stevemellorspeaks.com Support the GrowthReady Podcast by leaving a 5-star rating → Apple Podcasts - https://podcasts.apple.com/us/podcast/growthready-podcast/id1406082163 Connect with GrowthReady Join the community and keep your growth journey going: LinkedIn - https://www.linkedin.com/company/wearegrowthready/ Instagram - https://www.instagram.com/growthreadypodcast/ Facebook - https://www.facebook.com/growthreadywithcoachstevemellor Official Website - https://growthready.com/ ---- This podcast was produced on Riverside and released via ...

In Episode 283, Ted and Owen break down what's actually moving the real estate market right now—interest rates, the noise around the Fed chair, and the nonstop headlines about institutional investors. The guys talk through how some sellers are holding off on listing because they think rates will drop soon—and how the “wait and see” mindset can stall your momentum.They also cover the reality that even if leadership changes, rates aren't controlled by one person. The bigger picture still comes back to the bond market and the mechanics behind interest rates.On institutional investors, they discuss the idea of restricting publicly traded companies from buying single-family homes, why there are likely workarounds, and why it may not solve the real supply/cost problems.Owen shares a real lending snapshot: 6.95% on a commercial refi for a fourplex, 25-year amortization, 80% LTV—and the bigger point: deals (and lenders) still exist if you know where to look. They also throw out a call for help: if someone can run the show's X/Twitter presence and do it well, they want to hear from you.And they tease the next Wednesday episode featuring Omaha investor David Chan and the wild backstory behind his journey.You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

Text us your thoughts on the episode or the show!In this episode of Ops Cast, we are talking about metrics, but not dashboards, tools, or attribution models for their own sake.Michael Hartmann is joined by our guest Josh McClanahan, Co-Founder and CEO of AccountAim. Josh brings a business operations perspective to reporting and analytics, working closely with leadership teams to identify which numbers actually matter and how to use them to make better decisions.This conversation focuses on the shift from reporting activity to driving action. Josh shares why many teams produce technically impressive metrics that fail to influence leadership, and how Ops professionals can reframe data in a way that connects directly to revenue, profitability, and how the business truly makes money.You will hear Josh break down which metrics executives care about most, including financial measures like LTV and CAC, how those metrics change as companies mature, and why explainability often matters more than precision.The group also discusses how Ops teams can decide when data is “good enough” to act on, how to prepare for executive conversations beyond pulling numbers, and the common mistakes teams make when data is presented without context.This episode is especially relevant for Marketing Ops, RevOps, and BizOps professionals who want to move from being seen as report builders to trusted business advisors.Topics covered include: • The gap between reporting and decision-making • Metrics that matter most to executives • Financial literacy for Ops leaders • Explainability versus complexity in analytics • Communicating data in a way that drives actionMake sure to watch this episode if you want to better align your reporting with business outcomes and elevate the impact of your Ops work.Episode Brought to You By MO Pros The #1 Community for Marketing Operations Professionals MarketingOps.com is curating the GTM Ops Track at Demand & Expand (May 19-20, San Francisco) - the premier B2B marketing event featuring 600+ practitioners sharing real solutions to real problems. Use code MOPS20 for 20% off tickets, or get 35-50% off as a MarketingOps.com member. Learn more at demandandexpand.com.Support the show

最近我在读塔勒布的《随机漫步的傻瓜》，一边继续做 JAM，一边被“运气、随机性、幸存者偏差”不断教育。世界不是连续的，我们的产品曲线、内容增长、创业节奏其实也不是。这一期，我从阅读、出海活动、以及 JAM 的实战里，总结了几段想跟你一起思考的内容。我聊到投资人为什么强调六个月验证期、为什么订阅制产品的关键是留存、以及为什么云端经济和泥土经济正在走向两条完全不同的轨道。我也分享了一个让我震住的 AI 回答、关于 LTV 的真实算法、以及一人公司最难的部分：系统能不能在你停下的时候继续运作。最后，我说了一点 JAM 的设计心得：当 AI 模糊了设计与开发的边界，真正有力量的设计师是懂结构、懂布局、懂逻辑的人。细节会被自动化取代，但结构不会。完整文字版会同步在 Newsletter「Bear Academy」。---## 4）Show Notes（章节与资源）- 《随机漫步的傻瓜》：世界不连续、人生不连续、成功不是线性的  - 幸存者偏差：你看到的方法论，很多只是“活下来的那条路径”  - 出海活动里的投资人观点：为什么验证期的关键永远是留存  - AI 的一句话把我震住了：“喜剧是悲剧的高维形式”  - 订阅制产品的真实算法：不是定价 × 12，而是 LTV × 留存  - 云端经济 vs 泥土经济：轻模式与重模式的系统性差异  - 一人公司的最大挑战：系统能不能在你停下时继续跑  - JAM 的设计体会：结构价值上升，装饰价值下降  - 当 AI 模糊边界之后，懂布局的设计师反而更自由  **本期提到的资源：**- 《随机漫步的傻瓜》  - 出海活动中的投资人观点  - 订阅制产品与 LTV 的计算方法  - AI 对喜剧和悲剧的解释  - JAM 的结构化设计心得  Support this podcast at — https://redcircle.com/beartalk/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Retail & eCom, the one-two punch for evolving an entrenched category.‍On the latest episode of the Omnichannel Marketer, I spoke with Lisa Bubbers, Chief Marketing and Brand Officer at Studs.‍Studs is a new entrant in the ear piercing category – positioning itself as a piercing company instead of an earring brand. In contrast to Claire's or the mall kiosk which is where children go to get their first piercing with a piercing gun (myself included), Studs focuses on needle piercings for return piercers. The idea came from getting a second ear piercing at a tattoo parlor, which was a sub-optimal experience. ‍Part of this less ideal experience was a disconnect between the act of piercing and picking an earring that you liMost people get their ears pierced with an earring they don't care for, and have to wait until the piercing heals to replace it with something more fashionable that they purchased elsewhere.  ‍Studs fuses the retail piercing experience with fashionable lines of earrings that can be worn out of the store, and purchased online.‍Lisa created the term “earscaping” to create conversation around the art and science of getting ear piercings that work with your anatomy and personal style. ‍The brand started with a single studio in NoLita in 2019 and now has 25 locations across the country. ‍A brand with fused retail and e-commerce presence, Lisa defines omnichannel as:

352: Fundraising That Works: Measure What Matters (Greg Warner)SUMMARYFundraisers often focus on the bottom line—how much money came in—but Greg Warner argues that many nonprofit teams are still flying blind because they don't track the few metrics that actually explain performance. In this episode, Greg (founder of MarketSmart) explains what leaders and boards miss when they focus only on transactions, and how a small set of operational metrics can dramatically improve fundraising strategy. A major focus is donor lifetime value (LTV)—what it is, why it matters, and how any organization can calculate it using donor lifespan, average gift, and giving frequency. Greg also shares why donors give in proportion to the value they perceive from the relationship, and why shifting from transactions to partnerships leads to stronger retention, smarter prioritization, and more confident, data-informed decisions.ABOUT GREGGreg Warner is the founder of MarketSmart, a fundraising technology company focused on helping organizations identify donor readiness and build stronger donor relationships at scale. He entered the sector from the perspective of a committed donor—frustrated by impersonal, transactional fundraising—and turned that experience into tools and systems designed to help nonprofits deliver more value, improve donor engagement, and raise more major gifts. RESOURCES & LINKSFundraising Report CardMarketSmart (resources + tools) Greg Warner on LinkedInTools mentioned: DAF widget, bequest calculator (via MarketSmart site)Book recommendation: Asking About Asking (Kent Stroman)Follow the PodcastLearn more about the PMA & Armstrong McGuire merger

From Corporate to Founder: Aya Kikimova on Fortune 500 Marketing, Small Business ROI, and Building Leap Engine Without FundingIn this episode of Uncomplicated, I sit down with Aya Kikimova, Founder of Leap Engine and former Microsoft marketing leader, to unpack what it really takes to leave “golden shackles,” build a business from referrals, and deliver growth that's rooted in data, margins, and real ROI, not hype.Born in Kazakhstan and arriving in the U.S. at 16 with no computer skills, Aya built her way to an MBA and a powerhouse corporate career. In 2021, she walked away from corporate life as a new mom and launched Leap Engine in the middle of the pandemic, no outside funding, no safety net, just skill, resilience, and a mission to make high-level marketing accessible to small businesses.Today, Leap Engine has generated $100M+ in revenue for 100+ clients, proving that small businesses can get Fortune 500 strategy without paying Fortune 500 prices.We cover:Aya's journey from Kazakhstan to the U.S. at 16 and how she rebuilt from zeroHow she broke into Microsoft and earned recognition in the top 0.01%What $50M/year in ad spend teaches you about accountability, testing, and ROIThe “golden shackles” moment: leaving corporate as a new mom with no fundingHow Leap Engine grew through referrals and why Aya didn't plan to start an agencyThe difference between enterprise strategy and what actually works for small businessesAya's GPS audit (Growth / Profit / Sales) and the numbers founders must knowWhen marketing isn't the answer yet (and why Aya turns businesses down)The role of social proof, conversion paths, and clean digital foundationsAI in marketing: why it's exciting, but not “set it and forget it”The myth Aya wants to bust forever: “Guaranteed results”Key Takeaways:Small business marketing fails when the math doesn't work not because “marketing doesn't work.”Strong growth starts with LTV, margins, and conversion paths before scaling spend.Data-driven testing beats guesswork especially with limited budgets.AI can enhance execution, but strategy still needs humans.Sustainable growth comes from clarity, not shiny tactics or promises.This is a grounded, tactical episode for founders who want to spend smarter, build stronger foundations, and grow in a way that actually supports their life not just their revenue.

In this solo episode, we break down the most common ways investors lose money in apartment investing. And, more importantly, how to avoid them. While multifamily is a powerful wealth-building vehicle, it's not foolproof. We walk through real-world examples from my own portfolio to highlight where deals go wrong, from negative cash flow and over-leverage to bad partners and poor business planning. This episode is a practical guide for investors who want to protect capital, reduce risk, and build durable multifamily portfolios.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Understand how negative cash flow quietly erodes deals over time Learn why conservative underwriting matters more than optimistic projections See how improper insurance coverage can magnify catastrophic losses Recognize how leverage, partners, and market selection impact long-term outcomes     Topics Negative Cash Flow and Poor Underwriting Cash flow equals income minus expenses, debt service, and CapEx Renovations, rising expenses, and miscalculations can quickly create losses Trailing 12-month statements often understate true operating costs Investors must model realistic expenses and conservative income assumptions Catastrophic Events and Insurance Coverage Fires, storms, and other disasters can shut down buildings for months Insurance must cover both property damage and lost business income Understanding deductibles, exclusions, and coverage details is critical Proper insurance makes unavoidable events survivable from a business standpoint Over-Leverage and Loan Risk High loan-to-value ratios reduce flexibility during refinancing or sale Properties that fail to create value can become impossible to exit Conservative leverage (around 65% LTV or lower) preserves options Loans must match the business plan and hold strategy Bad Partners and Weak Teams Poor property managers, contractors, or partners can destroy deals Fraud, negligence, or lack of accountability creates hidden risk Due diligence, references, and checks and balances are essential Quality partners cost more, but reduce long-term losses Market Selection and Long-Term Growth Cash-flow-only markets may lack appreciation Aging properties require reinvestment over time Markets and submarkets must support long-term value growth Cheap properties without upside can become capital traps Over-Improving and Flawed Business Plans Renovations must align with market rent ceilings Over-improving units doesn't guarantee higher returns Class B and C properties have natural rent limits Staying disciplined with budgets and numbers protects returns    

"I would have invested 100% of all of the money that we raised into Meta. I would have done nothing else but secure that one channel first."After launching Troop, a functional mushroom gummy brand, Jake Mellman discovered that community events and sampling don't pay the bills. What does: Meta ads, a 76% contribution margin, and defaulting customers to quarterly subscriptions. Now he's applied those lessons to Psilly Goose, a functional beverage targeting the 46% of American adults who've stopped drinking. The challenge: THC restrictions, heavy shipping costs, and a farm bill that could shut him down by November.SPONSORSSwym - Wishlists, Back in Stock alerts, & moregetswym.com/kurtCleverific - Smart order editing for Shopifycleverific.comZipify - Build high-converting sales funnelszipify.com/KURTLINKSTroop Mushroom Gummies: https://trytroop.comPsilly Goose: https://drinkpsillygoose.comPrevious episode with Jake & Stephanie: https://unofficialshopifypodcast.com/episodes/jake-mellman-stephanie-moyalBreeze (Aaron Nosbish episode): https://unofficialshopifypodcast.com/episodes/aaron-nosbish-breezeWORK WITH KURTApply for Shopify Helpethercycle.com/applySee Our Resultsethercycle.com/workFree Newsletterkurtelster.comThe Unofficial Shopify Podcast is hosted by Kurt Elster and explores the stories behind successful Shopify stores. Get actionable insights, practical strategies, and proven tactics from entrepreneurs who've built thriving ecommerce businesses.

This week, the team sits down with Dylan Ander, founder of Heatmap and author of Billion Dollar Websites, to break down how modern ecommerce funnels are evolving and why many legacy playbooks are starting to crack. The conversation opens with Dylan's perspective on AI, trust, and synthetic content, and why brands may be heading back toward more human-led, harder-to-fake creative as AI becomes table stakes.From there, they unpack why traditional DR funnels are losing effectiveness, how homepage-style and “Trojan horse” landing pages are reshaping conversion behavior, and what operators need to rethink about how users actually move through sites today. Dylan shares lessons from Billion Dollar Websites, including how ecommerce brands can borrow from info funnels to monetize beyond products and increase LTV.The episode closes with a practical look at research and CRO systems - how to structure insights, prioritize tests, and turn qualitative signals into a clear experimentation roadmap - grounding the conversation in how operators can build strategies that reflect real buyer behavior as the landscape continues to shift.Check out the previous episode with Dylan: https://open.spotify.com/episode/3iwer8FNwuwzDDnAV5X7JV?si=3NJKr9aMQLun1qWQvegSYwFind more about Dylan: https://dylanander.com/Dylan's newsletter: https://dylanander.com/newsletterIf you have a question for the MOperators Hotline, click the link to be in with a chance of it being discussed on the show: https://forms.gle/1W7nKoNK5Zakm1Xv6Chapters:00:03:47 - AI Hot Takes00:24:49 - Info Funnels & Monetizing the Customer Journey00:39:13 - Research & The Billion Dollar Data Funnel00:55:35 - Deepening Customer Feedback Analysis01:10:40 - Testing Strategy & Evolutionary RedesignPowered by:Motion.⁠⁠⁠https://motionapp.com/pricing?utm_source=marketing-operators-podcast&utm_medium=paidsponsor&utm_campaign=march-2024-ad-reads⁠⁠⁠https://motionapp.com/creative-trendsPrescient AI.⁠⁠⁠https://www.prescientai.com/operatorsRichpanel.⁠⁠⁠https://www.richpanel.com/?utm_source=MO&utm_medium=podcast&utm_campaign=ytdescAftersell.https://www.aftersell.com/operatorsHaus.http://Haus.io/operatorsSubscribe to the 9 Operators Podcast here: https://open.spotify.com/show/5CMxGOODTOB4zRbq5oHAVm?si=b295b9c03e9a407cSubscribe to the Finance Operators Podcast here: https://open.spotify.com/show/3cqVNmmrYxgb5ohBhw8uvy?si=424001675b3b48faSign up to the 9 Operators newsletter here: ⁠https://9operators.com/⁠

Want higher retention, more referrals and a stronger lifetime value without constantly relying on new customer acquisition? This episode is for you. I'm breaking down how to increase adoption fast so customers actually use what they buy, get a quick win, and build the kind of momentum that turns into long-term results, renewals, and word-of-mouth growth. You'll learn the shift that changes everything: it's not enough to sell the product, it's your responsibility to design an experience that makes starting frictionless, progress obvious, and consistency more likely. I walk you through 5 practical levers to drive usage, including simplifying the first step, building smart reminders and cues, using proactive check-ins that reduce cancellations and returns, creating community and recognition that reinforces identity, and leveraging social proof to keep belief high while results catch up.   HIGHLIGHTS Why usage beats acquisition and how it impacts retention, referrals, and lifetime value. The real reason customers cancel, return, or churn even after an excited purchase. How to design a "fast start" experience that creates an early win and reduces drop-off. The 5 most effective ways to increase adoption (without becoming high-maintenance.) How to use reminders, community, and recognition to build habit and consistency. Why "perception is reality" when customers decide whether your offer is worth it. How retention improves your CAC-to-LTV math, and why that changes everything.   RESOURCES Join the most supportive mastermind on the internet - the Mentor Collective Mastermind! Make More Sales in the next 90 days - GET THE BLUEPRINT HERE! Check out upcoming events + Masterminds: chrisharder.me Text DAILY to 310-421-0416 to get daily Money Mantras to boost your day.   FOLLOW Chris: @chriswharder Frello: @frello_app

Subscribe to DTC Newsletter - https://dtcnews.link/signupThomas Robinson has helped build full‑funnel growth engines for brands like Tiege Henley and now Breath Death — where he's turning chaotic traction into scalable funnels and converting creator buzz into sustainable growth.For growth leaders scaling DTC with low‑AOV products.In this episode, Thomas breaks down:How YouTube influencer authenticity became a systematic funnel driver (not a one‑hit wonder).Why TikTok Shop is the top strategic revenue channel — and how it boosts Amazon performance.The three‑part funnel framework: Hook → Integration → CTA + cohesive landing page.Why psychographics beat demographics in creative.Omni‑channel retention: SMS, email, DM automations, WhatsApp.Who this is for: D2C marketers scaling early‑growth brands, content and performance teams, founders wrestling with low‑AOV CAC.What to steal:Turn creator moments into evergreen assets for Meta, TikTok, and YouTube.Build landing pages that mirror ad intent (don't lose momentum).Segment email/SMS flows by customer psychographic intent.Timestamps00:00 — Turning creator buzz into scalable growth02:00 — Why Breath Death chose TikTok Shop as a core channel04:00 — Gen Z targeting, nostalgia, and early audience signals06:00 — Learning from Liquid Death's polarizing brand strategy08:00 — Turning influencer moments into evergreen funnels10:00 — Structuring ads with hooks, integrations, and CTAs12:00 — TikTok Shop, Amazon halo effects, and channel synergy14:00 — Affiliate strategy from nano creators to macro partners16:00 — Why YouTube influencers compound better than paid ads18:00 — SEO, Reddit, and authority in AI-driven search20:00 — Scaling low-AOV products on Meta ads22:00 — Psychographics, motivations, and creative archetypes26:00 — Q4 growth, LTV focus, and retention strategy28:00 — Email, SMS, WhatsApp, and DM automation31:00 — Long-term brand storytelling vs direct response34:00 — Personalized landing pages and post-click experienceHashtags#dtcpodcast #dtcbrands #ecommercegrowth #tiktokshop #influencermarketing #creatorcommerce #brandstrategy #performanceads #youtubeinfluencers #affiliatemarketing #consumerbrands #foundermarketing #growthmarketing #directtoconsumer Subscribe to DTC Newsletter - https://dtcnews.link/signupAdvertise on DTC - https://dtcnews.link/advertiseWork with Pilothouse - https://dtcnews.link/pilothouseFollow us on Instagram & Twitter - @dtcnewsletterWatch this interview on YouTube - https://dtcnews.link/video

"Send me a text"To learn more about the group coaching click here: https://creativethirst.com/group/In this episode, you'll discover how every metric in your business (CAC, AOV, Repeat Purchase Rate, LTV) is downstream from the four supplement buying forces, exactly which force impacts which metric and how to diagnose what's weak in your funnel, and why operational fixes don't work but psychological fixes do.Stop treating symptoms. Start fixing the psychology that drives your numbers. That's how supplement brands scale profitably.To learn more about the group coaching click here: https://creativethirst.com/group/If you're interested in working with me and my team to improve your supplement business. You can learn more at my website https://creativethirst.com Click here to grab your copy of the Health Supplement Ad Swipe Guide. Discover what really works in funnel marketing Need help increasing sales on your own? Click here Stuck at $1 - $5M in revenue? Click Here Case Study on how Creative Thirst added over $200,000 for one supplement brand

Today I'm joined by Samuel Thompson, an internet capitalist who's launched 100 companies in 10 years, and he walks me through a live, end-to-end build of an info product using AI. We break down how he goes from idea → AI-written book → mockups → Shopify product page → ad creatives in a ridiculously short amount of time. The big takeaway is that this isn't just “info products,” it's a repeatable launch system you can apply to e-comm, SaaS, mobile apps, and pretty much anything where customer acquisition matters. We also get into the real game: CAC vs LTV, conversion rates, and how to build what Sam calls a “rigged slot machine” you can scale. Timestamps 00:00 – Intro 02:32 – Choosing the offer 05:36 - Writing ebook with ChatGPT (outline → chapters → upgrade quality) 07:30 – Mockups with Canva & Envato Elements 10:25 – Shopify themes that convert (Solo Drop + Elixir) 12:05 – Finding products to sell 16:28 - Building the Shopify Store 21:16 – Using ChatGPT to generate product-page copy fast 24:13 – What “good” conversion rates look like (3–5% target range) 28:51 – Bonus gifts strategy = perceived value + conversion lift 33:26 – HeyGen for AI photo/video ad assets + voice clone insight 35:37 – Canva static ads + high-performing angles 38:57 – Big picture: one person can build a “real business” with AI Key Points Sam's launch loop is offer → AI asset creation → Shopify page → Meta ads → iterate on math Start with low-friction products (ebook/info) to validate customer acquisition fast The real framework is CAC vs AOV vs conversion rate, not “brand vibes” 3–5% conversion rate is a strong target on a direct-response product page Use bonus gifts to increase perceived value and lift conversion Static ads + strong angles can outperform everything when the message hits The #1 tool to find startup ideas/trends - https://www.ideabrowser.com LCA helps Fortune 500s and fast-growing startups build their future - from Warner Music to Fortnite to Dropbox. We turn 'what if' into reality with AI, apps, and next-gen products https://latecheckout.agency/ The Vibe Marketer - Resources for people into vibe marketing/marketing with AI: https://www.thevibemarketer.com/ FIND ME ON SOCIAL X/Twitter: https://twitter.com/gregisenberg Instagram: https://instagram.com/gregisenberg/ LinkedIn: https://www.linkedin.com/in/gisenberg/ FIND SAMUEL ON SOCIAL: X/Twitter: https://x.com/samuelthompson

In this episode of The Kelly Roach Show, Kelly pulls back the curtain on the eight biggest unexpected shifts that reshaped her companies this year (many of which came from frustration, pressure, or deep uncertainty).  From radically overhauling live events and flipping the entire portfolio business model, to narrowing the company's niche, shifting ad strategy, ending beloved programs, launching Substack, and rebuilding around daily sales — this episode is a masterclass in strategic adaptability. Kelly explains what changed and why, and how you can apply these same lessons inside your own business as you plan for 2026. If you're rethinking your offers, questioning your model, or feeling called to simplify and scale differently, this episode will help you see your challenges as leverage, not liabilities. TIMESTAMPS: 01:46 – 06:10: Completely revamping our event strategy with a sponsor-led model 06:11 – 09:05: Ending long-running programs, narrowing authority and deepening market ownership 09:06 – 11:20: Writing a traditional book proposal, why this shift matters for global brand expansion, and the role Substack plays in the long-term straetgy 11:21 – 16:05: Replacing $30K offers with ~$1K trust builders (and eiminating the need for a "traditional" sales team 16:06 – 18:55:  Building daily sales through ecosystem expansion, and why we shifted ad spend to email and audience building 18:56 – 20:45: Why faith work must be accessible without barriers 20:46 – 23:10: Building daily sales systems and using launches as amplification, not dependency 23:11 – 25:15: Changing the tech stack and going all-in on Substack RESOURCES: Learn our complete daily sales system for generating predictable revenue online inside the Virtual Business School: https://www.virtualbusinessschool.com/  Looking for more advanced support for scale? Virtual Business School GOLD layers on advanced strategies for launching and one-to-many selling, brand growth, and increasing customer LTV: https://go.virtualbusinessschool.com/gold  Subscribe to my Substack, The Sacred Art of Selling, and get the behind-the-scenes breakdown on monetization, book proposals, and brand expansion when you become a FOUNDING member: https://kellyroachofficial.substack.com/  Join us on October 1st in Boca Raton, Florida for the Call to Lead Movement: https://www.sandiglandt.com/called-to-lead  Know a girl aged 7-14 who might be a fit for the Courage Club? This is where we instill leadership, confidence, and real-world skills for the next generation: https://courageclubforgirls.com/ 

Lenny Rabin, founder of direct advertising group Brown Boots and their reward app platform Go-Kart, joins Taylor Lobdell to dissect the evolution of rewarded user acquisition, focusing on how direct publisher-advertiser relationships can solve long-standing industry inefficiencies. Rabin, with over a decade in rewarded traffic and ad tech, explains why most publishers dislike third-party monetization platforms, how custom tech stacks like Go-Kart enable deeper, more transparent deals, and what both advertisers and publishers must do to thrive in an increasingly mainstream and competitive rewards ecosystem. This episode tracks the practical realities of running direct-sold inventory at scale, dives into shifts in audience intent (from GPT sites to fintechs), and breaks down why most campaigns fail. Rabin also shares founder lessons for building in ad tech without an engineering background.Questions addressed in this episode:What's the origin story behind Brown Boots and Go-Kart?Why do most publishers dislike monetizing via third-party networks?What core problems do direct publisher-advertiser relationships solve that networks can't?What are the unique challenges in building a tech stack for rewarded offers?How does Go-Kart's programmatic model differ from legacy platforms?Who is the ideal client for Brown Boots vs. Go-Kart?What major changes has Rabin seen in rewarded marketing over 15 years?How do publisher audiences shape campaign strategy and outcomes?What retention and LTV signals matter most for performance marketers?What timeline is realistic for testing new rewarded channels?Where do most advertisers and publishers fail in UA campaign collaboration?What's Rabin's advice for ad tech founders without a technical background?Timestamps:(0:04) – Intro and Lenny's background(0:27) – Brown Boots & Go-Kart origin story(1:55) – Direct publisher-advertiser relationships explained(3:22) – Building custom tech for publishers(5:20) – Ideal customer for Brown Boots and Go-Kart(6:30) – Fintech, UA, and why rewarded offers are growing(9:00) - What has changed the most in rewarded traffic acquisition(11:15) – How intent differs between GPT sites and fintech audiences(13:05) - How does that change the value proposition for app marketers(13:45) – Advertiser mistakes: not understanding publisher audiences(15:06) – How long to test new channels; why 90 days matters(16:46) – The retention metric and why it drives value(17:46) – Go-Kart's programmatic disruption(18:18) – Why last-mile delivery in rewarded UA is broken(21:00) – The tech stack vision: features, flexibility, and future(27:00) – Lessons in building ad tech as a non-engineer(35:00) - Rapid fire roundQuotes:(1:05) "Publishers wanted less opaqueness in the revenues that they were making and also deeper partnerships with the advertisers."(5:00) "Rewarded traffic is a medium which continues to grow and is becoming more mainstream."(6:46) "Any app that has a core product offering not related to rewarded marketing and has a rewarding mechanism is a good target."(11:29) "On a GPT site, users come to the site specifically to earn rewards... Your quality of your user is inherently low."(13:55) "Every publisher will have a specific and unique audience and catering the campaign specifically to that audience is a big miss."(21:55) "Let's not be spending our time dealing with data loss and dealing with small decisions. Let's spend our time talking about how we create custom campaigns."Mentioned in this episode:Brown BootsLenny on Linkedin

AI can now identify exactly where your business is losing money. Watch the new AI called "Director of Sales" exponentially grow revenue—without spending a penny more on ads—by systematically finding and fixing bottlenecks in the sales process. In this video, we demonstrate the mathematics of the Sales Process. This is a look at how AI can isolate specific "break points" in your funnel (like a low opt-in rate or missing follow-up) that act as a cap on your income. This is different than just asking ChatGPT for marketing ideas. Most AI guesses based on patterns. This AI analyzes your specific numbers (Traffic, Conversion, LTV) to find the "Lowest Hanging Fruit" that will yield the highest return. You will see the AI audit a sales process, find the part that's leaking money, and then create and help implement a plan that fixes it.

Colorado’s real estate market just hit balanced status for the first time since 2012. The best Colorado real estate investing strategies in 2026 now require adapting to what Chris Lopez calls “the great stall” for single-family homes. Condo prices are forecast to drop another 4-10%. Multifamily has already crashed 15-30% from peak values. Meanwhile, builders are offering closing incentives reaching 7-13% on new construction. Private lenders are generating 10-20% annual returns. This matters because traditional rental cash flow now requires creative approaches. This is a replay of Property Llama’s flagship Portfolio Analysis Mastermind webinar. It was originally presented live to over 200 registered investors. Chris brings 20 years of Colorado investing experience as CEO of Property Llama and founder of Envision Advisors. His company has helped hundreds of investors acquire Front Range rental properties. This 100-minute workshop analyzes data from three major sources: the Denver Metro Association of Realtors, CoStar’s commercial multifamily reports, and the Colorado State Demography Office. The goal is to forecast where the Colorado market is heading and what investors should do about it. Chris reveals why 15,000 homes represents the balanced market threshold for Denver metro. He shows how all Front Range markets follow nearly identical patterns. Denver, Colorado Springs, Pueblo, and Northern Colorado all move together with 1-3 year lag times. He introduces the Cash Flow on Equity (CFE) framework. CFE shows how a paid-off property making $1,700 annually on $200,000 equity represents just a 0.8% return. That underperforms basic savings accounts. Chris doesn’t hide from uncomfortable realities. He explicitly states that Colorado’s “epic growth wave from 2010-2020 is over and will never return.” The drivers are clear: slowing population growth (down to 1% annually), rising inventory, elevated interest rates, and increased expenses. Watch the Youtube Video https://youtu.be/zbVhMrdS2Rs In This Episode We Cover: Why Chris classifies Colorado as a “yellow light” market – not amazing, not horrible, but requiring selective strategy The six strategies currently generating 7-16% cash flow in Colorado: new construction opportunities, room-by-room conversions, medium-term rentals, house hacking, private lending, and multifamily acquisitions How builder closing incentives work and why they’re offering 4.5% interest rates on new construction when market rates sit at 6.5% Why multifamily is experiencing negative rent growth through 2026 as peak vacancy hits Q4 2025/Q1 2026 from oversupply The three options for optimizing high-equity, low-cash-flow properties: keep and convert to better strategies, cash-out refinance to reinvest, or sell and unlock equity into higher-performing assets Chris’s personal portfolio strategy: shifting from 85% equity / 15% debt to a 50/50 balance over the next 3-5 years to maximize cash flow while preserving capital How private lending offers 10-20% returns with senior debt positions while fix-and-flip gross margins remain healthy at 24% despite market softening Live Q&A covering: ADU construction economics, when to sell multifamily, private lending risk assessment, wrap financing for house hackers, LTV targets for portfolio leverage Whether you’re analyzing your first fourplex or optimizing a 20-property portfolio, this market transition requires new thinking. You need to understand which Colorado real estate investing strategies in 2026 actually generate cash flow. Appreciation has stalled, so the old playbook doesn’t work. Chris provides the data-driven framework investors need to evaluate current holdings. You’ll learn how to identify underperforming assets through CFE analysis. You’ll determine whether to convert properties to higher-performing strategies, refinance and reinvest, or sell and redeploy equity. Timestamps 00:00 – Welcome & PAM Overview 03:22 – Chris Lopez Introduction & Background 05:53 – Colorado Market Trends Framework 07:50– Denver Metro Inventory Analysis 10:30 – Price Appreciation Charts 2007-2025 13:22 – Front Range Market Comparison 16:34 Crystal Ball: Market Predictions 18:06 – New Construction Builder Incentives 22:20 Multifamily Market Deep Dive 42:14 – Population Growth Reality Check 46:28 – Six Strategies That Cash Flow 50:52– Cash Flow on Equity Framework 52:47– Property Llama Software Demo 52:47– Property Llama Software Demo 57:15 – Three Options for High-Equity Properties 1:14:07– Chris’s Personal Portfolio Update 1:21:13– Q&A Session Links in Podcast 2026 PAM Resource Page Property Llama Chris Lopez's 2026 Investing Plan YouTube video Detailed blog article Mountain Trends A BiggerPockets Guide to Co-Living Cash Flow Should I Put My Property In An LLC? Podcast and blog

SD341 - Conheça o Mercado da Saúde na Classe C. Neste episódio, Dr. Lorenzo Tomé conversa com o fundador e CEO do AmorSaúde Ícaro Vilar e o Diretor de Soluções em Saúde Eduardo Cheade, dois líderes do maior ecossistema físico de saúde acessível do país, com mais de 500 unidades no BRasil, Colômbia e Chile e 20 milhões de atendimentos. E eles revelam como funciona o modelo híbrido que une consulta acessível, previsibilidade e sustentabilidade, explicam a diferença entre plano popular e cartão de desconto, e mostram por que milhões de brasileiros estão migrando para alternativas fora dos planos tradicionais. Um episódio essencial para quem quer entender para onde o mercado médico está indo e como se posicionar bem nesse mercado. O podcast Saúde Digital tem o propósito de lhe ajudar a abrir a mente. Agora imagine o quanto 2 dias de imersão com a gente podem impactar o seu negócio médico. A próxima Imersão SD já tem data: 21 e 22 de março/2026. Garanta sua vaga com 10% de desconto na Imersão da SD Escola de Negócios Médicos. FAÇA CONTATO O Background do Ícaro Ícaro é mineiro de Ipatinga que está há 20 anos em Ribeirão Preto/SP, pai de 2 crianças, cruzeirense e formado em Economia pela USP, com MBA Executivo em Finanças pelo INSPER e Gestão Avançada pelo IESE. Atualmente ele é o CEO do AmorSaúde, mas Ícaro vai tirar um ano sabático em 2026 para focar nele e na família. Assista este episódio também em vídeo no YouTube no nosso canal Saúde Digital Podcast! Acesse os Episódios Anteriores! SD340 - IA Generativa na Medicina: Quem Usar 1º Vai Viver Melhor SD339 - A comunicação que fideliza os pacientes SD338 - O Modelo de Negócio Médico Estratégico: CAC, LTV e Ecossistema Music: Climb | Declan DP "Music © Copyright Declan DP 2018 - Present. https://license.declandp.info | License ID: DDP1590665"  

Neelima Sharma, SVP of Ecommerce and Omnichannel Product & Technology, and Joe Cano, SVP of Digital at Lowe's, join Omni Talk Retail live from NRF 2026 to unpack how the retailer is personalizing the home improvement journey across digital and physical channels. Recorded live from Vusion's Podcast Studio at NRF 2026, this conversation explores how Lowe's “digital twins” partner across technology and strategy to meet customers wherever their shopping journey begins. This interview covers: • How Lowe's personalizes ecommerce for both Pro and DIY customers • Why 80% of Lowe's in-store sales start online • The role of AI in search, discovery, and conversational commerce with Milo • How Lowe's uses customer context, home data, and intent to curate experiences • The expanded Google partnership and Lowe's new business agent • Why endless scrolling is giving way to curated, problem-solving journeys • Connecting digital discovery to in-store execution at scale • Measuring personalization through conversion, LTV, and long-term engagement With nearly two decades of combined leadership at Lowe's, Sharma and Cano share how AI, omnichannel thinking, and deep cross-team collaboration are shaping the future of personalized retail — and why trust, context, and execution matter more than ever. Stay tuned to Omni Talk Retail for continued coverage from NRF 2026, or stop by the Vusion booth #4921 to say hello. #NRF2026 #Lowes #OmnichannelRetail #RetailAI #Personalization #Ecommerce #RetailTechnology #OmniTalk

بيع برخيص.. وقص على نفسك! | بودكاست جنبياتهل أنت بطل مبيعات يشار له بالبنان، ولا ناوي تفتح "جمعية البر الإدارية" وتوزع حلال شركتك بالمجان؟  في حلقة اليوم من بودكاست جنبيات، نفتح ملف "هواة النتف" وبياعين الخصومات اللي يحسبون إن الشطارة في "تحريق الأسعار". في 2026، العالم صار يمشي بالذكاء الاصطناعي والـ Profit Maximization، وصاحبنا البياع لسه يستخدم الخصم كأنه "بندول" لكل اعتراض يواجهه من العميل. نتحدث في هذه الحلقة عن مأساة "صالح"، بياعنا الطموح اللي قرر يقفل صفقة العمر بخصم 45%، واحتفل وطق الجرس، لين اكتشف إن الشركة تدفع من جيبها عشان تنفذ العقد! نكشف لكم ليش العميل لما تعطيه خصم "سهل" يشك في جودتك وقيمتك، وكيف تحول من "بياع شنطة" يركض وراء الـ Revenue إلى Value Architect يبني صفقات مربحة ومستدامة. محاور الحلقة وفزعاتها المهنية: تفكيك عقلية "قص على نفسك": ليش الخصم هو "هروب من المواجهة" وليس مهارة تفاوض؟لغة الـ ROI: كيف تقنع العميل إن دفع ريال زيادة معك أربح له من توفير ريال مع غيرك؟قوة الـ Walk-away: متى يكون رفض الصفقة هو أعظم إنجاز تسويه في سنتك؟أهم 5 مؤشرات أداء (KPIs) للبياع الذكي في 2026:متوسط هامش الربح (Average Gross Margin).معدل تكرار الخصم (Discount Frequency).القيمة الحيوية للعميل (LTV).تكلفة الاستحواذ مقابل الربح (CAC vs. Profit).نسبة الـ Value-to-Price Index. اسمع الحلقة، وعدل "الجير" عندك قبل ما يطير ربح السنة في مهب الخصومات.شاركنا في التعليقات: وش كانت "أغبى" صفقة وافقت عليها عشان الخصم وندمت بعدها؟آمل أن يكون هذا الملخص مفيداً ومجزياً لكم في مسيرتكم المهنية.سلام

Eddie Reynolds, CEO of UnionSquare Consulting, opens up about the often-fraught relationship between CFOs and CROs. Eddie shares insights from his unique journey—from banking and private equity to being an account executive at Salesforce which forecast within 5% accuracy despite 30%+ growth. The conversation tackles the critical disconnect between finance and go-to-market teams: Why do CFOs struggle to trust CRM pipelines? What breaks when companies hit $50-100M in revenue?  In this episode: How Salesforce was able to forecast with 5% accuracy, The role of FP&A and CROs in go to market strategy and efficiency The issues with LTV to CAC ratio in SaaS  Biggest challenges of the CFO/CRO relationship Bottoms up annual planning working with finance 

In episode #343 of SaaS Metrics School, Ben Murray demystifies SaaS revenue by breaking down the core revenue types that software, SaaS, and AI companies should be modeling on their P&L. Rather than focusing on labels, Ben explains why pricing models and revenue streams are the real drivers of financial clarity. He walks through the most common revenue categories—subscriptions, variable usage-based revenue, professional services, managed services, hardware, and other emerging models—and shows how proper revenue segmentation becomes the foundation for accurate retention metrics, forecasting, unit economics, and due diligence readiness. Resources Mentioned SaaS Metrics School framework: https://www.thesaascfo.com/scaling-with-confidence-the-ultimate-saas-metrics-playbook/ Concepts covered in Ben's SaaS Metrics course: https://www.thesaasacademy.com/the-saas-metrics-foundation MRR schedules & MRR waterfalls: https://www.thesaasacademy.com/offers/rJhZ6VdM/checkout What You'll Learn The core revenue categories every SaaS, software, and AI company should track How subscription and usage-based revenue differ financially Why overages must be separated from subscription revenue How revenue segmentation enables accurate MRR schedules and waterfalls Why retention should be calculated separately by revenue stream How revenue structure impacts forecasting accuracy How different revenue streams change CAC payback and LTV to CAC calculations Why clean revenue categorization simplifies due diligence Why It Matters Revenue segmentation is the foundation of accurate SaaS metrics MRR schedules and retention calculations depend on clean revenue data Forecasts are more reliable when built from revenue waterfalls Mixed revenue streams require adjusted CAC payback calculations Clear revenue structure improves investor and acquirer confidence Proper setup reduces friction during fundraising and exits

Welcome to the first podcast of 2026 where Roger and Pete answer more of your varied and interesting questions, covering everything from what to do when you've maxed out your pension and ISA, to whether you should borrow on your mortgage to invest! Shownotes: https://meaningfulmoney.tv/QA37   01:30  Question 1 Hello to Roger and his trusty sidekick Pete, Only kidding Pete, but it will make Roger feel good briefly. I must credit the pair of you for your continued dedication and commitment to educating the wider population on all things financial.  I have gone from strength to strength in planning my retirement with the guidance and abundance of free information you have provided, the books you have written Pete, as well as signing up to the Meaningful Academy Retirement Planning and now planning to retire several years earlier than originally intended. Using the information provided and learnt, I have got my finances in order but more importantly, that decision is to align my future life (and that of my wife) to the finances we need and when our needs are likely to be met, hence the realisation retirement is not as far away as we had originally perceived, so I really appreciate what you have done for me and my family. My question maybe very simple, but it was sparked during a previous Q&A session Listener Question – episode 20 - 30th July – Question 2 – The question surrounded company Shares. I am employed by BAE and I purchase company shares each month, partially as a sensible Tax saving being a higher rate tax payer (purchase them pre Tax) but also for the first £75 worth each month I buy each month, the company will match, so effectively £150 worth of shares which technically costs less than £50 in real money each month.  Now whilst I do sell some shares along the way (after the 5-year maturity to avoid tax payment), I continue to have a reasonable amount invested (£35k subject to tax relief period on some). A statement you made during the above session was "as a sideline issue we tend to say to people that investing in shares for the company you work for is a bad idea at any scale, thus to avoid backing one horse and it's not a good idea to hold onto shares for a company you work for." Now I thought I was onto a winner and being tax efficient and building an amount of money which I tap into on an occasional basis as well as additional source of income once retired, but are you implying, as you did to that listener, I might consider cashing some in and transferring the money else where? Perhaps in this instance it is suffice leaving it there, as the examples you gave were for smaller companies (in comparison) that folded, whereas BAE one of the larger Defence industry companies, doesn't appear to be going anywhere soon?  I do have a Royal Naval DB pension already paying out, as well as a part DB and part DC pension with BAE (continuing to build), so I'm not reliant upon the money, which is another factor why I've not considered moving them away or am I doing myself a bad deal, id value your opinions (not advice ha ha)? Thank you for your time Regards, John 08:02  Question 2 I'm 39, a basic rate taxpayer and I have a Lifetime ISA and a SIPP with HL. Can I save for retirement in my Lifetime ISA and invest in the same funds as my Pension after receiving the 25% bonus to achieve similar growth. Then at age 60, withdraw all that money tax free and pay it into my pension (up to my allowances and possibly using previous years) to gain the 20% tax relief just before I draw the pension? I would also save some money on platform fees as the LISA is 0.25% vs the SIPP at 0.45%. I know I can get cheaper platforms elsewhere but I find HL easy, intuitive, and feel like I can trust them with my money, which really encourages me to save in the first place. Thanks, Robert 13:40  Question 3 Hi Pete and Roger, Longtime fan and listener, thanks for all the great work you do! I'm 40 years old and a member of the LGPS DB pension scheme, which I've been paying into since my early 20s. My partner is also in a DB scheme (Central Government). We have no debt other than our mortgage. We currently live in a modest home we bought for £89k, but are thinking about upgrading to a bigger property for more space and comfort (no plans to have children). That said, we've enjoyed the low cost of living here. We've built up around £160k in savings, split roughly 40% in a Stocks & Shares ISA and 60% in Premium Bonds and cash. I've tried to keep the ISA intact as a form of flexibility/security around retirement, potentially to retire early or reduce hours in the future. The dilemma is: 1. Do we spend most of the savings on a better house and accept working longer? 2. Or do we stay where we are, keep our financial flexibility, and potentially one of us works less or retires earlier? 3. Or is there a sensible middle ground, spending some of the cash to improve our living situation while still preserving part of our financial cushion for future flexibility? We're just trying to balance quality of life now with freedom and options later, and would love to hear your take on it. Is there anything else we haven't thought about? Thanks so much for your thoughts! Gez   19:25  Question 4 Hi Pete and Rog, big fan of the show and I appreciate the helpful topics you cover. I am currently going through a remortgage and am extracting equity from our house to invest. The new mortgage rate is around 4% and our LTV will be around 80%. The additional monthly costs are within our budget too. My strategy is to invest the extracted amount in a stocks and shares ISA with my wife, utilising the £20k allowance each per tax year. This will be invested into globally diversified index funds. I have ran calculations on how much I will be paying in additional interest vs how much is probable from stock market returns. Over 25 years, the additional interest paid on £50k extracted at 4% is £29k Over 25 years, having invested £50k, I would need to return 1.84% to break even from this deal. This is due to the way mortgages are amortised via repayment vs the investments compounding positively. With conservative returns of 7% used, this will net £236k of interest. Am I missing anything here? Keep up the great work and I'm very interested to hear whether you have done this in the past. Stephen 26:40  Question 5 Hi Pete and Roger, Recent discoverer and now big fan of the show here - I have now caught up on all the Q&A episodes and am continuing to work my way through the back catalogue: a lot of material! My questions centre on tax-efficient options once ISAs and pensions are maxed out, and how to "bridge" savings if retiring before pension-age. I am 36, married and have 2 young daughters who are the apple of my eye. We have a very manageable mortgage and I benefit from a very well paid job. However, an extremely stressful period last year sent me on the track of better understanding personal finance (and ultimately finding you) in order to achieve financial independence and not need to tolerate that kind of situation ever again, as well as be free to dedicate my time and energy to things without worrying about how much money they pay. 1) I am trying to get to functional financial independence (i.e. paid work is entirely optional) as soon as possible - I now max out my annual pension and ISA allowance each year and am likely to continue to in the future. Are there any other normal vehicles I can use for additional saving and investing? Giving money to my wife to use her ISA allowance? Anything else? I don't want to overpay the mortgage for the next several years as we managed to get a fixed rate that is below the current rate of inflation. 2) I have a good understanding of our essential and discretionary spending, and with a conservative annualised rate of return I could theoretically stop contributing to my pension pot in the next 7ish years and compounding would mean it would be big enough to fully support us once we can access it. My question is - is there a good rule of thumb or approach for working out how much I need to save outside the pension if I wanted to stop working for money before 57? Is it just a case of working out # years x expenses or is there anything more sophisticated to it? 3) bonus question - feel free to cut if it doesn't fit: I'm familiar with the idea of asset allocation and rebalancing to "smooth the ride" for my portfolio. Most things I've read or listened to have focused on equities vs. bonds. When I was looking at a number of bond indexes recently the returns have been pretty flat, often 4% from a cash ISA, what's the point of the bonds? Am I missing something? Thanks so much for all the knowledge you put into the world, giving people the tools to look after themselves. The chat is pretty great too! Kind regards, Martin 37:18  Question 6 Hello Pete & Roger Thank you for your fantastic materials, so well explained. We're 62. We already have a standard pension pot Annuity and we have around £300,000 in savings in building society accounts. (We value peace of mind over the potential for big gains, so we're not really considering stocks and shares). We're wondering whether, rather than rely entirely on savings accounts, it would make sense to use a Purchase Life Annuity. With current annuity rates, it looks like that's a Yes, so we're curious what your expert view is on this. We're aware of the downside: that it leaves us without much of a savings pot for any unexpected very large need. Have watched the Annuities: Back from the dead? video - https://www.youtube.com/watch?v=alTTzrd2NbY -  which talked about buying an annuity with pension, but in our case it would be Purchase Life Annuity, so does that make a difference when purchasing an annuity? Thank you again! Moira  

Ultimately, you can't grow as a business owner if your head is in client delivery every day. But spending less time with clients feels risky, so what's the answer? This episode dives into how I created a two-year LTV and completed check-ins in under 10 minutes per client. –If you want the exact check-in sheet and onboarding process I discuss in this episode, grab it here. https://go.taelerdehaes.com/check-in-page Join our Fit Pro Business Secrets Made Simple group over on Facebook for exclusive resources, trainings and help as you're growing your online fitness business. https://www.facebook.com/groups/fitprobusinesssecrets/  Follow Taeler on Instagram. https://www.instagram.com/taelerfit/Learn more about working with Taeler, whether you're just starting your online coaching business or scaling to multi-6/7-figures. https://taelerdehaes.com/ 

SD340 - IA Generativa na Medicina: Quem Usar 1º Vai Viver Melhor. A Inteligência Artificial Generativa já faz parte da rotina médica e neste episódio, Dr. Lorenzo Tomé conversa com o psiquiatra e Coordenador do Curso de IA na Saúde da TribeMD Luiz Gaiotto para mostrar, de forma prática, como ela está transformando o consultório. Gaiotto explica como a IA ajuda na tomada de decisão clínica, reduz vieses, acelera a produção de relatórios, melhora a estruturação do prontuário com ferramentas de speech-to-text e facilita a busca de evidências científicas com uso de soluções como o OpenEvidence. Tudo isso para devolver ao médico o que mais importa: tempo e presença com o paciente.  Para acessar o vídeo de Introdução básica citada pelo Gaiotto: cursoia.med.br O podcast Saúde Digital tem o propósito de lhe ajudar a abrir a mente. Agora imagine o quanto 2 dias de imersão com a gente podem impactar o seu negócio médico. A próxima Imersão SD já tem data: 21 e 22 de março/2026. Garanta sua vaga com 10% de desconto na Imersão da SD Escola de Negócios Médicos. FAÇA CONTATO O Background do Luiz Nascido no interior do Paraná, Luiz fez faculdade de Medicina em Londrina e especialização em Psiquiatria na Santa Casa de SP, onde ele atua hoje na coordenação do Grupo de Referência em Transtorno de Ansiedade e Humor e na Pesquisa de Uso de Dados Fisiológicos para identificação e predição de quadros de patologias dentro da Psquiatria. Luiz já participou da construção de guidelines brasileiros da sua área de atuação e, hoje, segue coordenando o Curso de IA na saúde pela TribeMD. Assista este episódio também em vídeo no YouTube no nosso canal Saúde Digital Podcast! Acesse os Episódios Anteriores! SD339 - A comunicação que fideliza os pacientes SD338 - O Modelo de Negócio Médico Estratégico: CAC, LTV e Ecossistema SD337 - O que está faltando ao docente de medicina? Music: Fireworks| Declan DP "Music © Copyright Declan DP 2018 - Present. https://license.declandp.info | License ID: DDP1590665"  

Higher leverage makes deals look better on paper,  but often weakens cash flow and increases risk.In this episode of the LSCRE Podcast, Craig McGrouther and I break down why we structure deals with lower leverage for better cash flow and risk management.We discuss targeting lower loan-to-value, using full-term interest-only debt, and maintaining strong coverage from day one.We explain why LTV alone doesn't tell the full story, how amortization can compress cash flow, and why flexibility matters more than headline IRRs.This episode is about structuring deals that can perform today and survive tomorrow.Learn more about LSCRE:www.lscre.com

[Original air date: June 19, 2025]In this episode, Alex Immerman, partner at Andreessen Horowitz, joins CJ to discuss the CFO role and how it's changing in the era of AI. He explains what the components of a company's AI agenda the CFO should own, how and where it should be leveraged in an organization, and why, if you're preparing to go public, AI needs to be mentioned in your S-1. He breaks down how the financial landscape differs greatly between AI-native SaaS companies and traditional B2B SaaS companies in terms of retention curves and gross margins, and how this relates to the ever-important LTV to CAC metric. As someone who has worked with prominent CFOs and interviewed many for a16z's portfolio companies, Alex also describes the qualities of a great CFO, and shares his favorite interview question, before discussing CFOs, CEO, and board dynamics.—LINKS:Alex Immerman on LinkedIn: https://www.linkedin.com/in/immermanAndreessen Horowitz: https://a16z.comCJ on LinkedIn: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:a16z's Alex Immerman on the Evolving Role of the CFO in the Age of AIhttps://youtu.be/JIvHp-mlnzsSo You're Looking for a “Strategic” CFO? Bloomerang's Steve Isom on What That Really Meanshttps://www.youtube.com/watch?v=cgHOtvG1Ces—TIMESTAMPS:00:00:00 Preview and Intro00:01:46 AI Margins Improve Dramatically00:02:29 What Separates Great CFOs00:03:29 Founder Mindset Drives Performance00:05:31 Founder Intensity and Margin Expansion00:06:57 Backing Unproven Bets Thoughtfully00:08:29 Interviewing CFOs for Backbone00:09:55 When CFOs Push Back on Strategy00:11:25 CFO Trust With Boards and Investors00:11:50 How CFOs Engage Investors When Hiring00:14:44 Building Strong CFO Investor Relationships00:16:18 Sharing Bad News Early00:17:21 CEO Vision Versus CFO Validation00:20:57 How AI Is Changing the CFO Role00:23:56 Incumbents Versus AI-Native Finance Tools00:26:24 CFOs Driving Internal AI Adoption00:28:07 AI Impact on Customer Support Efficiency00:29:26 Internal Leverage From AI Automation00:31:29 Why Investors Care About LTV to CAC00:34:00 LTV to CAC Across Business Models00:36:26 Retention Curves Matter More Than Growth00:38:16 Evaluating AI Gross Margins Long Term00:40:04 Recipe for AI Margin Expansion00:43:01 What Makes a Public-Ready CFO00:44:47 Beating Guidance Drives IPO Performance00:46:56 Growth Versus Profitability Has Rebalanced#RunTheNumbersPodcast #CFOLeadership #FintechInvesting #AISaaS #VentureCapital This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cjgustafson.substack.com

SD339 - A comunicação que fideliza os pacientes. Neste episódio, Dr. Lorenzo Tomé conversa com a fonoaudióloga e mentora de oratória Patrícia Pereira sobre como a comunicação pode elevar a autoridade do médico, melhorar a adesão do paciente e tornar o atendimento mais claro e eficaz. Patrícia explica, de forma prática, como voz, ritmo, dicção, respiração e escuta ativa influenciam a percepção do paciente, e por que comunicar bem não é dom, é técnica. Um episódio essencial para médicos que querem desenvolver presença, condução e intencionalidade na fala, seja no consultório, no digital ou em qualquer situação em que a comunicação define o resultado. O podcast Saúde Digital tem o propósito de lhe ajudar a abrir a mente. Agora imagine o quanto 2 dias de imersão com a gente podem impactar o seu negócio médico. A próxima Imersão SD já tem data: 21 e 22 de março/2026. Garanta sua vaga com 10% de desconto na Imersão da SD Escola de Negócios Médicos. FAÇA CONTATO O Background da Patrícia Fonoaudióloga de formação, Patrícia se encantou pela área de Voz desde o início justamente por estar associada à área de Comunicação. Ela adquiriu uma bagagem de cuidado, atuando em áreas clínicas e hospitalares, mas, em sua trajetória, trabalhando com vários profissionais que a procuravam para trabalharem a voz, ela percebeu que podia ajudar também na melhoria das habilidades comunicativas. Patrícia se preparou e buscou posicionamento como autoridade de quem trabalha para tornar a voz um instrumento de sucesso e conexão. Assista este episódio também em vídeo no YouTube no nosso canal Saúde Digital Podcast! Acesse os Episódios Anteriores! SD338 - O Modelo de Negócio Médico Estratégico: CAC, LTV e Ecossistema SD337 - O que está faltando ao docente de medicina? SD336 - Como Transformar sua Clínica com Gestão de Alto Nível Music: Wanderlust | Declan DP "Music © Copyright Declan DP 2018 - Present. https://license.declandp.info | License ID: DDP1590665"  

As you look ahead to 2026, what's rising to the top of your marketing priorities? In this special episode of Growth Talks with Krystina Rubino, we highlight our favorite CMO insights on building brands that customers trust and love.  It's packed with insights on subjects all CMOs should be thinking about today, such as brand versus performance marketing, incorporating AI into your marketing strategy, and how to build and enable your team.

Today we are talking with a PA who has become a millionaire. This PA has a great story and is in his second career and having tons of success. He lives in a high cost of living area but is not letting that slow him down. He got his education paid for with the NHSC scholarship and has zero debt. Now that his career is cruising he has taken up his passion project of becoming a children's book author. After the interview we will be talking about the Backdoor Roth IRA process for Finance 101. David Pedersen's Children's Book: Good Night, Alex https://a.co/d/8LxZar1  Goodman Capital is a premier real estate credit investment firm specializing in senior-secured, low loan-to-value lending on Class A properties in prime markets across the greater New York metro area. Founded on a family legacy dating back to 1987, Goodman has closed more than $850 million+ across 95+ loans with a track record of zero principal loss. Their flagship private mortgage REIT, Liquid Credit Strategy Fund I, delivered a steady 9% net dividend yield since inception at a very conservative sub-50% LTV. Invest in tax-efficient, high-yield, risk-adjusted debt investment strategies with Goodman Capital at https://www.whitecoatinvestor.com/goodman The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #255 03:57 PA Becomes a Millionaire 13:30 Advice For Others 16:26 Backdoor Roth IRA Process

I used to work 70 hours a week. Grinding to make 30-40K/ month. I used to wonder how I'd ever have a family AND the life that I wanted. In the 3-4 years before having my son… I figured it out. I was able to scale from 40K to 140K/month and I went from working 70 hours a week in that business to 4 hours a week in that business. Delegation and leadership played a part but the BIGGEST difference was learning how to increase LTV of every single client that came into my coaching (so I could work with LESS clients and make MORE money) and that's what I want to talk to you about today.  We'll talk about what LTV actually looks like, what you need before you start running ads, how to not make the same mistake I made that costs me 6 figures, and more!   Time Stamps:   (0:45) 70 Hours A Week When I First Started (2:07) Increasing LTV (5:25) Upcoming January 4th Workshop (5:50) The Mistake That Costed Me Multiple 6 Figures (10:57) The Backend Offer (12:05) LTV and Ads (12:50) Your Offer (13:59) My Maturity Leave ----------

Black Friday just got more interesting.While most brands were bracing for skyrocketing ad costs and fierce competition, something unexpected happened during BFCM 2025—and it's reshaping how smart brands should approach next year's holiday season.In this jam-packed episode, OMG Commerce CEO Brett Curry sits down with four of the agency's top strategists—spanning Google, YouTube, Amazon, and retention marketing—to dissect what actually worked (and what flopped) during one of the most surprising Black Friday weekends in recent memory.You'll also get the 2026 prep checklist, including why AI is about to eliminate every excuse you have for not planning year-round promos, how to break down channel silos that are costing you sales, and the exact timing strategies that separated winners from everyone else.Whether you crushed it this BFCM or are wondering where you went wrong, this episode gives you the data, insights, and tactical playbook to make next year your best yet.Featured experts:Bill Cover, Google & YouTube DirectorLuba, Amazon ABM StrategistBarry Bowman, Amazon Ads SpecialistNick Flint, Retention Marketing Director—Sponsored by OMG Commerce - go to (https://www.omgcommerce.com/contact) and request your FREE strategy session today!—Chapters: (00:00) Intro(02:06) Meet the panel(05:52) Google/YouTube: weekend “plateau” + CPM/CPC drops and why it happened(08:50) Amazon: expanded event length, strong YoY, and the “off-Amazon” halo effect(12:28) SMS surpasses email + why brands still underuse it(13:47) What worked across all channels(19:33) Save Money and Connect Your Marketing Channels with Channable(20:35) Top-of-funnel and offer strategy(24:02) What didn't work on Amazon: skipping promos, waiting too late, and thinking margin over LTV(27:42) Best brands vs. struggling brands(42:22) Playbook for next year(47:02) Channel strategy + 2026 planning(51:00) Final thoughts: AI's impact on creative + planning(53:11) Fast Funding the Way You Need It with Wayflyer—Connect With Brett: LinkedIn: https://www.linkedin.com/in/thebrettcurry/ YouTube: https://www.youtube.com/@omgcommerce Website: https://www.omgcommerce.com/ Request a Free Strategy Session: https://www.omgcommerce.com/contact Relevant Links:Keranique: keranique.comSponsor Offer | Channable (Mention Ecommerce Evolution): https://www.channable.com/

Tobias built Altitude Finance after running into the classic DeFi lending trade-off: either borrow conservatively and unlock very little capital, or borrow aggressively and risk liquidation when markets move fast.In this episode, we break down how Altitude makes loans more capital-efficient while keeping users at a safer LTV, how their vault automation rebalances positions during volatility, and why their best users love the “self-repaying loan” experience.We also cover Tobias' take on what changes in DeFi to watch in 2026—especially around token value being tied more tightly to protocol value, and why “stablecoins backed by risky strategies” could be the next blow-up.Key Timestamps[00:00:00] Intro: Altitude traction, TVL, DeFi trends for 2026[00:01:00] Tobias' journey: Ethereum → DeFi Summer → full-time crypto [00:02:00] The lending trade-off: capital efficiency vs liquidation stress [00:03:00] What Altitude does: low LTV + protocol adds leverage to ~60% [00:04:00] Differentiation: efficiency, peace of mind, simplified UX [00:06:00] 2025 recap: whitelisted → public vaults, surviving volatility [00:07:00] 2026 focus: simpler onboarding, wallets, on/off-ramps [00:08:00] Automation: rebalances as prices move, keeps vaults healthy [00:09:00] 2026 DeFi trend: tokens aligning more with “common stock” value [00:10:00] Stablecoin warning: risky strategies behind “stable” pegs [00:12:00] Adoption driver: the “self-repaying loan” dopamine [00:14:00] Real-world use cases: Tesla, land, iPhone, engagement ring [00:18:00] Founder advice: simplify, avoid overwhelming choice [00:22:00] AI in DeFi: useful for insights, not autonomous execution (yet) [00:26:00] GTM: reach long-term BTC/ETH holders across better channels [00:29:00] Roadmap: wallets + off-ramps + mainstream user journey [00:31:00] Ask: try the product, give feedback, help simplify onboardingConnecthttps://app.altitude.fi/https://www.altitude.fi/https://www.linkedin.com/company/altitude-labs-defi/https://www.linkedin.com/in/tobiasvanamstel/https://x.com/AltitudeFi_https://x.com/tobiasvanamstel?lang=enDisclaimerNothing mentioned in this podcast is investment advice and please do your own research. It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend.Get featuredBe a guest on the podcast or contact us – https://www.web3pod.xyz/

We Didn't Plan to Share These… 3 Stories From 2025 - #316 Wrapping up 2025, hosts Jason and Chris of Hard Money Bankers share three real, unfiltered stories from the trenches of private and hard money lending—the kind of situations every lender eventually faces, but few talk about openly. From a multi-lender fraud and title insurance claim that took 18 months to resolve, to managing long-term commercial borrowers with trapped equity, to structuring creative low-LTV loans for high-net-worth investors, this episode highlights the unpredictable realities of private lending and why slow, disciplined growth and strong collateral fundamentals matter more than ever. If you're a private lender, hard money lender, or real estate investor, these stories offer valuable lessons on risk management, borrower character, title insurance, extensions, defaults, and protecting your capital over the long term. In this episode, you'll learn: How a borrower fraudulently closed multiple private loans on the same property What really happens during a title insurance claim and why coverage matters Why low LTV lending can save deals when things go sideways The risks of long-term commercial bridge lending How to handle extensions, refinances, and principal reductions strategically Lessons from real private lending deals that went off script

In GI339 of the Global Investors Podcast, host Charles Carillo sits down with Nic DeAngelo, CEO of Saint Investment Group, to break down mortgage note investing, non-performing loans (NPLs), and how investors can generate consistent passive income through real estate debt. In this episode, you'll learn: • What mortgage note investing is and how it works • Why non-performing loans offer unique downside protection • How low loan-to-value (LTV) reduces risk • Why owning mortgage debt can be more scalable than owning rental properties • How sophisticated investors use real estate debt for portfolio stability Learn More About Nic Here: Saint Investment Group - https://saintinvestment.com/ Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

Andrew is a self-proclaimed tragic sneaker fan and proven brand builder. After nearly a decade of leading multiple marketing functions at Google, Andrew and two of his colleagues embarked on a mission to build the world's fairest hype commerce platform. As CEO, Andrew leverages his marketing expertise and first-hand fandom experience to drive this mission forward. After launching just over a year ago, EQL has managed more than 10,000 high-heat launches in 15 markets. When not helping culture-making brands get their goods into the hands of real fans, Andrew can be found spending time with his wife and three children, and dressing younger than he should.In This Conversation We Discuss: [00:00] Intro[03:51] Crafting launches that reward real customers[06:06] Callouts[06:16] Streamlining experiences through integrations[07:51] Adding connection where generic tools fall short[10:25] Designing pre, in, and post-launch strategies[13:29] Connecting with audiences in launch moments[19:32] Partnering with experts for better launchesResources:Subscribe to Honest Ecommerce on YoutubeBetter launches for in-demand products eql.com/Andrew Lipp au.linkedin.com/in/andrew-lipp-7b291722If you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

Send us a textWhy Vanity Metrics Are So TemptingClicks, impressions, and giant top-line numbers feel good—and they're easy to measure. Anthony explains that brands and agencies often lean on these because they make progress look “sexy” in a deck, even when they don't connect to business outcomes.The Metrics That Actually MatterKendra presses on what marketers should track instead. Anthony breaks it down by funnel stage and business model:For B2B and lead-gen teams:Lead volume and lead qualityConversion behavior after the click (time on site, page depth, engagement paths)Feeding those quality signals back into ad algorithmsFor e-commerce:Revenue per campaignCost per acquisition (CPA) vs. customer lifetime value (LTV)Target CPA thresholds to ensure profitabilityAnthony's bottom line: The two most important metrics are CPA and LTV—and every other KPI should support them. When Algorithms Work Against YouA huge chunk of the episode is about how campaigns go sideways when the wrong signals are optimized. If you optimize for clicks, the algorithm finds more clickers—not buyers.They dig into how metrics aren't bad—they're just often misused.Examples Anthony gives:ROAS is critical for shopping/e-commerce conversion campaigns.Video view-through rate matters for awareness campaigns, since the goal is warm-audience building.Target impression share is valuable in branded search as a defensive move, ensuring competitors don't steal your brand traffic. Competitor Bidding: Old Advice vs. NowKendra asks about the old-school thinking that bidding on competitor names doesn't work. Anthony clarifies the difference between:Branded defense campaigns (protecting your own name)Competitor conquesting campaigns (showing up as an alternative in a buyer's search)He argues conquesting can be effective because you only pay on clicks, yet still gain impression value and market-share opportunities. Balancing Short-Term Pressure with Long-Term GrowthB2B cycles are long, and clients want fast wins. Anthony recommends a full-funnel budget split:Some spend for the 1% ready to buy now (lower funnel)Significant investment to warm the other 99% (awareness + consideration)Biggest Lesson Learned: Simplicity ScalesAnthony closes with his core marketing takeaway: The best campaigns aren't the busiest—they're the clearest. When you focus on the right audience, the right offer, and the right KPIs, everything improves: creative, reporting, and results that compound over time. If you want to connect with Anthony or learn more about Volo Media, check out the links below.  And if you've ever been sold a pretty dashboard full of meaningless numbers… this one's for you. Connect with Anthony:Website: https://www.vallomedia.com/LinkedIn: https://www.linkedin.com/in/anthonychi Looking to leverage AI? Want better results? Want to think about what you want to leverage?Check and see how I am using it for FREE on YouTube. From "Holy cow, it can do that?" to "Wait, how does this work again?" – I've got all your AI curiosities covered. It's the perfect after-podcast snack for your tech-hungry brain. Watch here

“You make your money on the customer, not the acquisition.” In this episode, Sean sits down with Jordan, the media-buyer-turned-founder behind Instant Hydration, to unpack how he went from affiliate marketer—only eating what he killed—to helping scale multiple 8‑figure CPG brands into 9‑figure powerhouses using Meta ads, tight payback models, and a true growth engine mindset. They talk about why red‑ocean markets like electrolytes are actually a signal of demand, how to think about LTV, subscriptions and time-to-second-purchase, what really happens when a founder tries to steal your team, and the wild IP and trademark journey that led to the Instant Hydration brand.Chapters:00:00 – Cold open: “You make your money on the customer, not the acquisition”02:40 – Jordan's story: from almost-lawyer to Facebook affiliate marketer15:30 – Scaling 8‑figure CPG brands to 9‑figures with Meta ads28:10 – Why consumables, LTV and payback periods win over “one-and-done” products41:45 – The Instant Hydration origin story and trademark/IP battle55:20 – Building a true growth engine: subscriptions, email/SMS, and sending it on ad spendPowered By:Fulfil.io.https://bit.ly/3pAp2vuThe Only Cloud ERP Designed to Efficiently Scale 8 and 9-Figure Brands. Northbeam.https://www.northbeam.io/Richpanel.https://www.richpanel.com/?utm_source=9O&utm_medium=podcast&utm_campaign=ytdescSaras.https://bit.ly/9OP-YtdescRivo.https://www.rivo.io/operatorsSubscribe to The Marketing Operators Podcast here: https://www.youtube.com/@MarketingOperatorsSubscribe to The Finance Operators here: https://www.youtube.com/@FinanceOperatorsFOPS Sign up to the 9 Operators newsletter here: https://9operators.com/

SD338 - O Modelo de Negócio Médico Estratégico: CAC, LTV e Ecossistema. Por que tantos médicos excelentes continuam trabalhando muito, ganhando pouco e batendo no próprio teto? Neste episódio, Dr. Lorenzo Tomé explica, de forma clara e prática, que o problema não está na técnica, mas no modelo de negócio que o médico escolhe, muitas vezes sem perceber. Você vai entender por que o modelo "consulta + retorno" limita crescimento; qual a aplicabilidade de CAC e LTV ao consultório e como a construção de um ecossistema traz mais autonomia, previsibilidade e resultados sustentáveis para os médicos que querem crescer de forma inteligente e viverem melhor da própria medicina. O podcast Saúde Digital tem o propósito de lhe ajudar a abrir a mente. Agora imagine o quanto 2 dias de imersão com a gente podem impactar o seu negócio médico. A próxima Imersão SD já tem data: 21 e 22 de março/2026. Garanta sua vaga com 10% de desconto na Imersão da SD Escola de Negócios Médicos. FAÇA CONTATO O Background do Lorenzo Casado com a Natália e pai de 3 filhos, Lorenzo é médico, Cofundador e CEO da SD Conecta e SD Escola de Negócios Médicos, host do 1º podcast do Brasil a apresentar tecnologias para médicos e que está no ar desde maio de 2018. Ele é Professor de Medicina Digital na Faculdade de Medicina São Leopoldo Mandic, fez Mestrado e MBA em negócios nas melhores escolas de negócios do país, é Internship no Hospital Center University de Rouen - França, entre várias outras atividades.  Assista este episódio também em vídeo no YouTube no nosso canal Saúde Digital Podcast! Acesse os Episódios Anteriores! SD337 - O que está faltando ao docente de medicina? SD336 - Como Transformar sua Clínica com Gestão de Alto Nível SD335 - A Matemática por trás da decisão de largar o convênio Music: Declan DP - Island Music by LiteSaturation from Pixabay "Music © Copyright Declan DP 2018 - Present. https://license.declandp.info | License ID: DDP1590665"  

Dan Layfield, founder of the Subscription Index, joins Mark Stiving to unpack the less-visible pricing and monetization levers that drive real growth in subscription businesses. With experience scaling Codecademy from $10M to $50M in revenue and leading product teams at Uber and Diligent, Dan brings a product-led, ROI-first perspective on pricing. This episode culminates in one of the most actionable subscription pricing tactics you'll hear: how to price annual plans based on actual monthly retention, not industry norms.  If you work in SaaS, consumer subscriptions, or any recurring-revenue business, this episode offers practical insights you can test immediately.   Why You Have to Check Out Today's Podcast: Learn the annual pricing tactic that dramatically increases LTV and cash flow by aligning plan discounts to real retention behavior. Understand why subscription growth is constrained more by monetization systems than acquisition and where hidden revenue leaks live. Discover how product, pricing, and payment mechanics quietly shape retention long after customers click "Subscribe".   "If you know your average retention rate within monthly plans, and most of your users are in monthly plans, you price your annual plan to be like one or two months more than your monthly retention rate." – Dan Layfield   Topics Covered: 00:45 - How Dan Got Into Pricing. Dan shares how pricing became a key growth lever while scaling Codecademy and why monetization matters more as products mature. 01:10 - Scaling Subscription-Based Businesses. Dan shares lessons from scaling Codecademy's subscription business and why pricing becomes critical as companies grow. 05:12 - Subscription Pricing and Retention Strategies. How pricing decisions influence retention length and why subscription pricing must reflect real user behavior. 09:11 - Retention Challenges in Subscription Businesses. The difference between short-term and long-term retention products and why under-12-month subscriptions require different strategies. 11:32 - Subscription Product Strategies. Time to value versus time to success, and how product design affects lifecycle length and churn. 17:02 - Monetization Strategies in Subscription Businesses. What monetization really includes beyond price, from paywalls to upsells, renewals, and payment recovery systems. 19:45 - Checkout Flow Optimization Strategies. Why small checkout improvements deliver outsized ROI and how minor friction quietly suppresses revenue. 23:22] AI's Impact on Consumer Products. Why AI adoption is slower in consumer subscriptions than B2B SaaS and where future disruption may emerge. 26:30 - Annual Plan Pricing Strategy. Dan explains the monthly-to-annual pricing approach that boosts LTV, improves cash flow, and increases commitment. 29:31 - Key Subscription Product Insights. Final reflections on retention, monetization levers, and where subscription companies should focus first for growth.   Key Takeaways: "This is one of the few tides that lifts all boats in subscription products. It makes payment processing easier. You collect cash up front. Those users psychologically commit to the product more." – Dan Layfield "If you're retaining users for four months on average, change your annual plan discount rate to be 50%. So they're paying for six months up front." – Dan Layfield "...if you look at any of the big consumer products that discount more than 10 to 20% annual plans, you can kind of guess their monthly retention rate." – Dan Layfield   People & Resources Mentioned: Codecademy – Subscription growth case study Uber Eats – Marketplace product experience Subscription Index – Dan's subscription monetization resource Stripe / App Store Billing – Payment and dunning challenges in subscriptions   Connect with Dan Layfield: Website: https://subscriptionindex.com LinkedIn: https://www.linkedin.com/in/layfield/    Connect with Mark Stiving: LinkedIn: https://www.linkedin.com/in/stiving Email: mark@impactpricing.com  

Most owners work hard for money—few learn to make the tax code work hard for them. In this episode of Sharkpreneur, Seth Greene interviews Catrina M. Craft, a tax strategist and accountant who's advised business owners and previously learned elite tax strategy working with the wealthiest 2% of Americans. Creator of the CRAFT Money Map framework, Catrina specializes in turning reactive “tax season” chaos into proactive, year-round wealth strategy. She breaks down the KPIs that actually drive profitability, the entity and election decisions that matter, and timely plays like bonus depreciation, §179, and QBI that can free up cash to grow.   Key Takeaways: → Proactive vs. reactive taxes: what changes when strategy starts before year-end. → The five KPIs that matter: cash flow, profitability, A/R & A/P, LTV, and CAC—plus how to dashboard them. → The C.R.A.F.T. Money Map: Cash flow, Retirement, Asset management/protection, Financial freedom, and Tax strategies. → Entity structure ≠ paperwork: why LLC + the right tax election (S/C/partnership/sole prop) can swing your tax outcome. → When to hire a strategist: startup consults to avoid missteps; quarterly at ~$50k profit; monthly at ~$100k+.   Catrina M. Craft, CPA, CEO & Founder of Craft More Cash. "The tax code isn't fair — but that's your opportunity as a business owner.” This is the perspective Catrina Craft brings as the CPA and tax strategist behind some of the most profitable coaches, consultants, and creators in the industry. After climbing out of $100K in debt and losing 80% of her income overnight, she rebuilt her business by using the same advanced tax strategies and wealth-building tactics that the top 2% of the wealthiest rely on to protect and multiply their money. Now, she teaches her clients to do the same. Through her Craft Money MapTM system, she helps high-earning entrepreneurs cut taxes by 25% and boost profits by 20% — strategies most accountants won't even talk about. On the mic, Catrina pulls back the curtain on what the ultra-wealthy know: how proactive tax strategy lets you keep more, grow faster, and build real wealth. Listeners walk away with practical insights on entity structuring, overlooked deductions, and income planning that scales. Connect With Catrina: Website: https://www.catrinamcraft.com/ Instagram: https://www.instagram.com/catrinamcraft/ Facebook: https://www.facebook.com/catrinamcraft1/   Learn more about your ad choices. Visit megaphone.fm/adchoices

Most owners work hard for money—few learn to make the tax code work hard for them. In this episode of Sharkpreneur, Seth Greene interviews Catrina M. Craft, a tax strategist and accountant who's advised business owners and previously learned elite tax strategy working with the wealthiest 2% of Americans. Creator of the CRAFT Money Map framework, Catrina specializes in turning reactive “tax season” chaos into proactive, year-round wealth strategy. She breaks down the KPIs that actually drive profitability, the entity and election decisions that matter, and timely plays like bonus depreciation, §179, and QBI that can free up cash to grow.   Key Takeaways: → Proactive vs. reactive taxes: what changes when strategy starts before year-end. → The five KPIs that matter: cash flow, profitability, A/R & A/P, LTV, and CAC—plus how to dashboard them. → The C.R.A.F.T. Money Map: Cash flow, Retirement, Asset management/protection, Financial freedom, and Tax strategies. → Entity structure ≠ paperwork: why LLC + the right tax election (S/C/partnership/sole prop) can swing your tax outcome. → When to hire a strategist: startup consults to avoid missteps; quarterly at ~$50k profit; monthly at ~$100k+.   Catrina M. Craft, CPA, CEO & Founder of Craft More Cash. "The tax code isn't fair — but that's your opportunity as a business owner.” This is the perspective Catrina Craft brings as the CPA and tax strategist behind some of the most profitable coaches, consultants, and creators in the industry. After climbing out of $100K in debt and losing 80% of her income overnight, she rebuilt her business by using the same advanced tax strategies and wealth-building tactics that the top 2% of the wealthiest rely on to protect and multiply their money. Now, she teaches her clients to do the same. Through her Craft Money MapTM system, she helps high-earning entrepreneurs cut taxes by 25% and boost profits by 20% — strategies most accountants won't even talk about. On the mic, Catrina pulls back the curtain on what the ultra-wealthy know: how proactive tax strategy lets you keep more, grow faster, and build real wealth. Listeners walk away with practical insights on entity structuring, overlooked deductions, and income planning that scales. Connect With Catrina: Website: https://www.catrinamcraft.com/ Instagram: https://www.instagram.com/catrinamcraft/ Facebook: https://www.facebook.com/catrinamcraft1/   Learn more about your ad choices. Visit megaphone.fm/adchoices

Why Smart Real Estate Investors Start with Short-Term Loans (and End with Long-Term Cash Flowing Properties) In this episode of the Real Estate Reserve Podcast, we break down one of the most effective wealth-building strategies in real estate investing: using short-term financing to acquire properties and exiting into long-term, cash-flowing debt. We explore the three primary exit strategies every real estate investor should understand—selling, paying off a property in cash, or refinancing into permanent debt—and why refinancing into long-term institutional financing is often the smartest path for building sustainable rental portfolios. You'll learn how investors use hard money loans, private money, and bridge financing to buy and renovate properties, then refinance into DSCR (Debt Service Coverage Ratio) loans that allow properties to cash flow without relying on personal income verification. We walk through how DSCR loans work, common credit and LTV requirements, seasoning timelines, and why rental income analysis is critical to success. This episode also covers: The BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) How DSCR ratios impact loan approval and cash flow Common pitfalls like appraisal shortfalls and rental income miscalculations Refinancing timelines and when to apply for permanent debt Backup plans if a refinance doesn't go as expected A real-world cost breakdown of short-term vs. long-term financing Why having a clear exit strategy upfront is essential Whether you're a new investor exploring rental properties or a seasoned investor looking to scale with smart leverage, this episode provides practical insights into structuring deals that transition from short-term capital to long-term wealth.

Launching a digital product is easier than ever, yet sustaining steady growth remains a major challenge. A deep understanding of user behavior and needs, combined with optimized experiences, enables business models to operate effectively without disrupting engagement and retention. In this context, balancing revenue with user experience through high-quality ad experiences and AI doesn't just increase LTV for sustainable growth; it also streamlines resource management and boosts operational efficiency. To provide an actionable playbook for Vietnam's rapidly evolving digital market, Google partners with Vietnam Innovators. From apps and games to e-commerce, businesses gain the knowledge and tools necessary to achieve sustainable growth, with advanced technology and advertising solutions serving as key enablers.In episode 369 of the Vietnam Innovators podcast (English), Božo Janković, Head of Ad Monetization, GameBiz Consulting & Ömer Yakabagi, Founder, Gamigion, share in-depth insights on strategies and practical approaches for optimizing ad revenue and fostering long-term growth in the gaming industry.Listen to this episode on YouTubeAnd explore many amazing articles about the pioneers at: https://vietcetera.com/vn/bo-suu-tap/vietnam-innovatorFeel free to leave any questions or invitations for business cooperation at hello@vni-digest.com

Download the 2024 BFS Strength Report for all of the details from the conversation, plus insights we didn't have time to cover. Also take the BFS Business Assessment (in partnership with BFU) to receive your individualized BFS Scorecard, a data-backed snapshot of how your studio compares to industry benchmarks across the KPIs that matter most (lead volume, conversion, recurring revenue, churn, and LTV).

Most people think sales is about talking. Ryan Serhant knows better — it's about translating. After closing over $20 billion in real estate deals and building one of the fastest-growing brokerages in America, the star of Netflix's Owning Manhattan has cracked the code on how to get anyone to say yes. From selling homes to billionaires to building a media empire on the back of reality TV, Ryan reveals the brutal truth about what it actually takes to win at the highest level. In this raw conversation, Ryan breaks down the orchid trick (he's sent 2,000 of them), why silence is violence in negotiations, and how a fake Rolex changed his entire life. We dive into why wealthy people don't pay for information or access, but instead pay for confidence; how to get a stranger to trust you with real money; and why the best negotiators throw the first punch. But this isn't just about closing deals — it's about building an empire. Ryan reveals how he's stacking businesses under one holding company (brokerage, media, education, and AI), why his LTV to CAC ratio is 6x while the industry averages 1x, and how he's building real estate brokerage 3.0 with no physical offices. If you've ever wondered how to sell to the ultra-wealthy without sucking up, how to build unshakeable confidence when you're broke, or why setbacks are just speed bumps and not brick walls, this episode will change how you think about sales, negotiation, and what it takes to become the best in the world at what you do. Protect what you own. Next makes it fast, simple, and painless. Check it out: https://nextinsurance.com/codie ___________ 00:00:00 Introduction 00:01:22 The Fake Rolex That Changed Everything 00:04:35 From Soap Opera Star to Real Estate Mogul 00:06:36 Speed Bumps vs Brick Walls: Handling Setbacks 00:09:26 Building in Public: The Netflix Experiment 00:16:29 Gray Hair Don't Care: Dealing with Haters 00:18:24 The Orchid Trick: Turning Rejection into Power 00:21:06 Selling to Billionaires: The Two C's and the Pull Strategy 00:25:27 Confidence is Currency: What Rich People Really Pay For 00:34:11 The Thousand Minute Rule: Time as Money 00:31:38 Hiring A-Players: Intelligence Over Experience 00:39:32 Leader vs Manager: Standing at the Front Lines 00:41:11 Building Identity and Future Memoir Exercise 00:42:54 The Four Business Flywheel Strategy 00:52:07 Negotiation Mastery: Translate Don't Talk 00:54:36 Owning Manhattan Season 2 and the Evolution of Reality TV ___________ MORE FROM BIGDEAL

Travis catches up with his old friend Todd Lamb, founder of Pure Life Organics, a wellness brand that has generated over $100 million in gross revenue through direct response and DTC e‑commerce. Coming from nearly 20 years in policing—including K‑9, undercover surveillance, and leading a tactical team—Todd shares how a backyard “redneck margarita maker” on eBay pulled him into the online world, and how he navigated the evolution from info products and VSLs to a durable, compliant brand with repeat buyers and lean operations.​ On this episode we talk about: Todd's path from young dad to military, commercial diving, policing, and eventually leading a SWAT (tactical) team before retiring into entrepreneurship​ The first spark: building a DIY margarita machine, selling the plans on eBay in 2003, and realizing the internet could be a real business engine​ Launching fitness and jiu-jitsu funnels, the breakout success of Alpha and flat-belly tea, and the shift from all-affiliate direct response to owning the traffic and the brand​ The difference between direct response and e‑commerce—emotional VSLs versus longer-tail, brand-led journeys—and what that means for refunds, customer quality, and compliance​ Why Todd transitioned early into e‑com, how affiliate abuse blew up his domain reputation, and what it took to rebuild as a white-glove, exit-ready brand run lean by a small, trusted team​ Top 3 Takeaways A “safe” career and lack of entrepreneurial pedigree do not disqualify you; Todd built a nine-figure track record starting as a young dad in the military and then a career cop who experimented online in his spare time.​ Direct response can scale fast, but it comes with higher refunds, compliance risk, volatile affiliate traffic, and brand damage; shifting to thoughtful e‑commerce with strong customer experience creates long-term value and optionality for exit.​ Building lean with people you trust, focusing on LTV, repeat customers, and careful email practices turns a cash-flow machine into an asset that works whether or not you ever decide to sell.​ Notable Quotes "No house with a swimming pool is complete without a margarita maker—and that little eBay experiment made me realize what was possible online." "Direct response is like turning a stranger into a buyer in one emotional shot; e‑com is a longer, more elegant and thoughtful journey." "We stopped emailing for everyone else's offers; we only promote our own products because we want our customers to trust that when we show up, it's actually for their benefit." Connect with Todd Lamb: Website (Brand): https://purelifeorganics.com/ Personal Instagram: https://www.instagram.com/followtoddlamb/?hl=en ✖️✖️✖️✖️