Podcasts about ltv

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

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.

If you're still stuck selling, delivering, and scrambling for the next sale, this will hit home. One client added $318,000 in recurring revenue in 30 days. No viral reels. No fancy funnels. No massive team. Just a better system. Most coaches are trapped on the high-ticket hamster wheel. Make a sale, deliver, repeat. It feels like growth, but it's just a business built on burnout. The moment leads dry up, panic sets in. And the cycle starts all over again. I'll show you how to break free from that trap and install the same 3-part system we use to scale coaches to $100K–$300K+ months without chaos. In this video: 00:00 Why most coaches stay stuck 00:08 How one client hit $318K fast 00:26 The trap of one-off sales 00:54 What happens when leads dry up 01:24 Real 7–9 figure businesses don't rely on hustle 01:45 Turning clients into recurring revenue 02:00 Why freedom lives in the backend 02:30 The Recurring Revenue Engine explained 03:00 Ascension paths and doubling LTV 03:30 Fulfillment systems that run without you 04:10 The Trust Engine: show-up rates and conversions 05:30 Real numbers from real clients 07:00 Scaling with systems, not stress 08:00 Why personalization beats more free info 08:30 How to install this in your business 09:00 Your next move if you're done guessing —

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

Онбординг часто воспринимают как набор экранов в начале продукта, хотя на самом деле это один из самых сильных продуктовых инструментов, который напрямую влияет на активацию, удержание и LTV. В этом выпуске разбираем, зачем нужен онбординг, как он работает в B2C и B2B, почему интерактив почти всегда выигрывает у статичных экранов, как персонализация и локализация меняют конверсию, и почему хороший онбординг не спасёт плохой продукт, но плохой способен испортить даже отличный. Говорим про реальные кейсы, метрики, A/B-тесты, friction, empty states и ошибки, которые команды продолжают повторять. Партнёр команды Podlodka — наши давние друзья @AvitoTech. Это команда с крутыми процессами, культурой здравого смысла и эксперимента. Узнать про их технологии, подходы и прокачку компетенций в командах можно по ссылкам: – Статья "Решаем задачи ML эффективнее: платформа, которая экономит ресурсы, время и нервы" clc.to/7EaWdQ – Статья "Всегда ли сегментация данных при анализе увеличивает эффективность экспериментов?" clc.to/clok5w – Статья "Как продакту выжить в мире ИИ-фичей" clc.to/gFffpQ Реклама. ООО "Авито Тех”, ИНН 9710089440, erid:2SDnjcAfMuH Также ждем вас, ваши лайки, репосты и комменты в мессенджерах и соцсетях!
 Telegram-чат: t.me/podlodka Telegram-канал: t.me/podlodkanews Страница в Facebook: www.facebook.com/podlodkacast/ Twitter-аккаунт: twitter.com/PodcastPodlodka Ведущие в выпуске: Андрей Смирнов, Аня Симонова Полезные ссылки: Вакансии Adapty adapty.io/careers/

The fastest-growing brands treat customer insight like a strategy—not just a survey. In this week's episode of Growth Talks, CMO & Advisor, Matt Gehring joins host Tyler Elliston, founder and CEO of Right Side Up, to unpack what it takes to succeed in your first 90 days as a marketing leader. Drawing from his leadership roles at Dutch Pet, Everlane, and Rothy's, Matt shares how to map the customer journey, turn post-purchase insights into smart segmentation strategies, and use real-time data to drive repeat purchases. Find out why acting on customer insights early is key to refining your product, aligning your team, and making informed decisions before you scale.

This episode is a grab-bag of highly tactical operator insights - starting with a breakdown of why Grüns' transactional SMS and subscription flows work so well, and what smart lifecycle design looks like when you're trying to prevent churn, drive upgrades, and increase LTV. From there, we dive into one of the most impressive brand marketing plays of the year: the Marty Supreme campaign, and why its blend of social-first world-building, memeable moments, and built-in distribution is a blueprint for modern creative strategy.We also get into the realities of TikTok Shop: how to measure it when attributed revenue looks tiny but impressions, content volume, and halo impact are massive; how better tooling and reporting can give a clearer read on its true impact; and how leading brands are already staffing the channel with dedicated affiliate managers and creator-community leads.It's a fast-moving episode focused on subscriptions, creative, and the emerging acquisition channels operators need to understand before they hit scale.If 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:00:00:00 - Introduction00:03:27 - Transactional SMS Marketing and Retention00:20:32 - The Marty Supreme Brand Campaign00:32:10 - The Formula for Viral Stunts00:44:15 - TikTok Shop Strategy and Measurement00:52:39 - Comfort's Affiliate Community ModelPowered 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/operatorsRivo.https://www.rivo.io/operatorsSubscribe to the 9 Operators Podcast here:https://www.youtube.com/@Operators9Subscribe to the Finance Operators Podcast here:https://www.youtube.com/@FinanceOperatorsFOPSSign up to the 9 Operators newsletter here:https://9operators.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

This special ‘Best of 2025' episode compiles standout insights from top mobile marketing leaders who joined Apptivate this year. Across five segments, the show digs into the realities of AI in ad production, growth lessons from global brands, the rise of community-driven retention, loyalty tactics for the holiday season, and the intersection of brand authenticity with performance marketing. Guests include Andre Kempe (Admiral Media), Luca Stefanutti (Adidas Running), Advi Bishnoi (Social Plus), Sue Azari (AppsFlyer), and Shilpa Reddy (Acorns/Down Under School of Yoga). Listen in for actionable solutions for growth, retention, creative production, and privacy-first engagement, plus practical advice on what really works in mobile right now.Key topics and questions:Where does AI in ad production create results, and where do humans still win?How do brands like Adidas Running turn experimentation into meaningful growth?Why is retention now the core of mobile growth - and how does community drive it?How can e-commerce brands use ‘Q5' and loyalty tactics to turn new installs into revenue?Is performance marketing and brand-building a single story? And what role do podcasts play in establishing trust?Timestamps:Segment 1: Andre Kempe, Admiral Media(1:05) Workflow: AI tools vs. human quality control(6:20) How much faster is creative production with AI?(7:40) Where AI makes the biggest impactSegment 2: Luca Stefanutti, Adidas Running(8:18) Surprising growth learnings(10:56) Turning insights into action(13:03) Creative strategy for user acquisitionSegment 3: Advi Bishnoi, Social Plus(15:15) Why retention is the real growth lever(16:38) Marketing silos and who owns retention(19:45) Organic engagement vs. promos/events(21:06) First-party data for privacy and insightSegment 4: Sue Azari, AppsFlyer(24:11) Defining Q5 and end-of-year cycles(25:22) Loyalty, remarketing, and channel tacticsSegment 5: Shilpa Reddy, Down Under School of Yoga (formerly Acorns)(34:10) Marketing flywheel: fit, LTV, brand(40:28) Brand investments in LTVQuotesAndre Kempe(8:06) “We have a better win rate or success rate with creatives that we are still manually producing, no matter what.”Luca Stefanutti(11:40) “I think here that the most important part is to have a key connection with certain people that are constantly, consistently working and have a growth mindset.”Advi Bishnoi(16:00) “A lot of times, the actual act of nurturing existing customers is left to, let's say, the business development department or the customer success department.”Sue Azari(24:20 ) “Q5 is typically the period that sits towards the end of December into January, where it's that next wave of the increase that we see in shopping app installs and purchases.”Shilpa Reddy(40:27) ”LTV almost by definition is long-term. It allows you to justify investments in brand.”Mentioned in this episode:Andre Kempe on LinkedInLuca Stefanutti on LinkedInAdvi Bishnoi on LinkedInSue Azari on LinkedInShilpa Reddy on LinkedInRemergeAll Apptivate episodes

The Colorado fix and flip market heading into 2026 looks nothing like it did two years ago. Properties are sitting 3-4 months after sellers reject offers just $10K below asking. That holding cost easily burns through any price difference, yet flippers keep making this mistake. Meanwhile, some investors are closing BRRRRs in Boulder at $1.4M ARV that actually cash flow with $7,500-8,000 monthly rents. Chris Lopez sits down with Caitlin Waldschmidt, 9-year private lending veteran with Dynamo Capital, who originates loans across Colorado and nationwide. Caitlin has closed everything from small flips to large multifamily, giving her a front-row seat to what’s working and what’s failing in the Colorado fix and flip market as we head into 2026. She recently helped a builder pull $700K in cash out from five townhomes with negative DSCR by structuring the deal strategically, and she’s watching investors gear up for spring 2026 by buying now during the best acquisition window of the year. This episode reveals specific trends shaping the Colorado fix and flip market for 2026, including why “flipper gray” design is dead, which properties have “buts” that kill sales, and how the market rent appraisers assign can make or break DSCR loans. Caitlin shares a Boulder BRRRR case study where investors buy off-market at $700-900K, add $150-200K in rehab, and refinance at $1.4-1.5M ARV while securing long-term tenants at premium rents. She also breaks down two exit strategies for distressed builders stuck with unsold inventory and explains why some can be saved while others have zero equity to work with. In This Episode We Cover: Why properties listed in summer 2025 are still sitting after rejecting first offers (and what that costs in the Colorado fix and flip market) The “buts” that kill deals – busy roads, power lines, and industrial neighbors buyers won’t overlook anymore How to BRRRR in Boulder at $1.4M+ ARV and actually cover debt service with $7,500+ rents $700K cash out strategy for builder with five townhomes and negative DSCR numbers Portfolio approach: Using 40-50% LTV properties to save negative cash flow new builds Why investors are buying 5-6 deals before year-end to position for spring 2026 Best buying window is Thanksgiving through New Year’s when sellers get desperate Englewood flip appraises $100K higher than projected $1.3M ARV (closed in 5 days) Whether you’re a flipper watching inventory sit, a builder needing an exit strategy, or an investor looking for what’s actually working in the Colorado fix and flip market heading into 2026, this episode delivers concrete examples of deals closing right now. Caitlin provides the lender’s perspective on why some properties move in days while others sit for months, and shares specific strategies to position yourself for success in 2026. Watch the YouTube Video https://youtu.be/lza8gS1MRWs Timestamps 00:00 – Welcome & Guest Introduction 01:51 – Caitlin’s Background – 9 Years in Colorado Private Lending 03:24 – What’s Selling vs Sitting Right Now in Denver Market 
 06:07– The “Buts” That Kill Deals in Today’s Market 
 07:00– Flipper Gray Is Dead – Why Design Matters Now 10:30 – BRRRR in Boulder – How to Make $1.4M Properties Cash Flow 
 16:30 – Distressed Builders Need Exit Strategy – Two Options Available 
 18:31 – $700K Cash Out from Negative DSCR Properties (How It Worked) 
 21:14– Portfolio Strategy: Using Good Assets to Save Struggling Ones 24:06 – Spring 2025 Predictions – Why Investors Are Buying Now 26:42 – Englewood Flip Appraises $100K Higher Than Expected Connect with our Guest: Caitlin Waldschmidt Dynamo Capital Phone/Text: 720-301-6446 Email: caitlin@dynamocapital.com Links in Podcast: Dynamo Capital Who is Dynamo Capital Dynamo Capital, founded in 2023, is a debt fund specializing in residential real estate lending in the Midwest and Colorado. Offering fix-and-flip, construction, and long-term financing, they leverage technology and experience to give investors an edge in the lucrative fix-and-flip market. Dynamo balances traditional lending rigidity with hard money speed, typically lending up to 75% of a property’s after-repair value. Their personalized approach and strategic underwriting aim to provide flexible, accessible financing for real estate investors, enhancing clients’ portfolios with agility and expertise. Working on a BRRRR, flip, or builder project in Colorado? Email: caitlin@dynamocapital.com Disclaimer: This podcast provides educational and informational content only. It does not constitute personalized financial, legal, or tax advice.

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 ✖️✖️✖️✖️

In episode #335, Ben answers a common operator question: Should Customer Success be included in the cost of customer acquisition (CAC)? He explains how Customer Success should be coded based on responsibilities, when it belongs in COGS vs. Sales, and when CS expenses should be included in expansion efficiency metrics. What You'll Learn Why CAC applies only to acquiring new customers. How Customer Success roles differ between adoption, retention, renewals, and expansion. When Customer Success expenses should be included in the cost of expansion ARR. How to allocate Sales, Marketing, and CS expenses between new and existing revenue. Why proper allocation is foundational for CAC payback, LTV to CAC, and Cost of ARR. Why It Matters Prevents inflated or misleading CAC and go-to-market efficiency metrics. Ensures expansion ARR economics are calculated accurately. Helps leaders understand the true cost structure behind revenue growth. Supports cleaner financial models, better forecasting, and stronger investor discussions. Aligns internal teams (CS, Sales, Finance) on roles and financial impact. Resources Mentioned SaaS Metrics course: https://www.thesaasacademy.com/the-saas-metrics-foundation

Subscribe to DTC Newsletter - https://dtcnews.link/signupWhen Sarah Carusona showed up to a DTC event last year, she didn't know it would spark her first client. That client's still with her. Today she runs BA Commerce, where her team drops into brands and drives growth from the inside.For DTC founders scaling from $5M to $20M who need strategy and execution in one package.What you'll learn:Why fractional CMOs often fall short and what brands really need insteadHow to drop in a trained operator who owns growth from top to bottomThe key metrics Sarah watches before touching a budget: contribution margin, AMER, LTV, and the “organic ratio”Why most influencer budgets are broken and what happens when you tie pay to performanceHow to focus your team's time when there's no room for fluffWho this is for:Founders and growth leads who are tired of hiring gaps, agency fluff, and shiny-object distractionsWhat to steal:Rebuild your org chart around execution, not job titlesStructure your influencer deals like paid media, not PRGet obsessed with contribution margin and work backward from thereTimestamps00:00 Why micro-iterations waste ad spend02:00 Sarah's global move and early consulting leap04:00 Building BA Commerce and the growth operator model09:00 How Sarah evaluates brands and sets growth metrics12:00 Creative fatigue, Andromeda, and persona-driven ads15:00 Creator partnerships and a tiered influencer program17:00 Why organic content still drives the biggest wins19:00 Modern Meta account structure and testing philosophy21:00 The biggest mistakes high-growth brands make23:00 Why product quality drives everything in growth25:00 Attribution, incrementality, and Sarah's forecasting model27:00 How Sarah uses AI and where she draws the lineHashtags#dtcpodcast #ecommerce #dtcbrands #mediabuying #growthmarketing #metaads #ugcads #influencermarketing #digitalstrategy #founderstories #shopifybrands #emailmarketing #smsmarketing #marketingpodcast #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

This podcasts explores the evolution of performance marketing in 2025 with Josh Duggan, co-founder of award-winning agency Vervaunt. With over 14 years of experience, Josh shares his expertise on how digital marketing optimisation has changed, focusing on measurement and the impact of new technologies.Key reasons to listen:Expert insights: gain valuable knowledge from Josh, who has worked with globally recognised brands like Doc Martens and Mulberry. Latest trends: understand the current trends in performance marketing, including the shift towards profitability and the importance of data-driven decisions.Technology advice: learn about Northbeam's new deal with Google, providing 30-day impression data, a game-changer for marketers.Key discussion points:The evolution of Black Friday from a weekend event to a month-long shopping period. The importance of measurement tools like Triple Whale and Northbeam in understanding customer journeys and optimising ad spend. The role of geo-based testing in enhancing brand awareness and measuring incremental ROI. Strategies for leveraging customer lifetime value (LTV) to drive profitability. The significance of aligning KPIs across teams to ensure cohesive marketing strategies.Josh emphasises the need for brands to focus on tangible profitability and to use 3rd party tools effectively. For example, with the introduction of Northbeam's 30-day impression data, marketers can now gain deeper insights into customer interactions, paving the way for more informed decision-making.Tune is for your roadmap to navigating the complexities of digital marketing. Chapters:[00:30] Introduction to Performance Marketing Trends[03:15] Black Friday Insights and Retail Trends[06:05] Shifts in Consumer Behaviour and Discount Strategies[09:50] The Importance of Measurement in Marketing[12:30] Evolution of Measurement Tools and Technologies[15:25] Understanding Customer Lifetime Value (LTV) and CAC[18:35] Geo-Based Testing and Incrementality[21:10] The Role of Third-Party Tools in Measurement[24:20] The Future of Measurement in Performance Marketing

Longevity, Cash PT, and the $8 Trillion Opportunity You Can't Ignore In this episode, Doc Danny Matta breaks down why the global shift toward longevity is one of the biggest opportunities cash-based physical therapists will see in their careers. He shares real-world examples from high-end longevity models, explains why proactive, long-term health programming is exploding, and shows how cash PTs are uniquely positioned to lead this space. Quick Ask If this episode gets your wheels turning about longevity and long-term care, share it with another clinician who needs to hear it—and tag @dannymattaPT so he can reshare it. Episode Summary Patient experience as an edge: While competitors step out mid-session to finish notes, you can stay fully engaged by using Clair, an AI scribe that handles documentation instantly. Operational advantage: Clair gives you more time for follow-ups, planning, and patient touchpoints—leading to better retention and more efficient operations. Danny's background: Staff PT, active duty military PT, cash practice founder, seller, and now founder of PT Biz, which has helped 1,000+ clinicians start, grow, and scale their own cash practices. The longevity trend: Patients are realizing they'll live longer and want to be proactive, not reactive, about their health and performance. 10x-style models: Peter Attia's "10x"/10 Squared-type gym in Austin employs performance clinicians doing assessments, hands-on care, and programming over months and years at premium pricing. Equinox Longevity: Equinox launched a longevity offering priced around $35,000–$45,000 per year, combining assessments, bloodwork, training, and bodywork. Market validation: Big brands like Equinox don't roll out programs like this without deep market research—there is clear demand. The $8 trillion forecast: A UBS report projects the global longevity market could reach roughly $8 trillion by 2030. High continuity, low volume: Danny's friend running a longevity-focused model only needs ~30–40 new patients per year because clients stay for years. LTV over churn: With long-term, continuity-based care, you don't need a constant flood of new patients—you need strong retention and deep relationships. What these programs include: Long-term programming, movement and performance assessments, VO2 max testing, force plate work, blood panel interpretation, and lifestyle coaching around sleep, nutrition, and stress. Why cash PT is perfect for this: No insurance rules; you can spend an hour on sleep, stress, or habit coaching if that's what the patient needs. Visual differentiation: Cash clinics often look and feel like a high-performance lab or gym—nothing like a crowded hospital outpatient clinic. Community and referrals: Patients in long-term programs naturally talk about what they're doing and pull friends and family into your ecosystem. Tech as a differentiator: Tools like force plates, VO2 testing, structured assessments, and periodic retests make progress visible and drive buy-in. Standardizing longevity in cash PT: Danny sees longevity as a pillar every successful cash practice will eventually integrate in some form. Not one-size-fits-all: You can build your own version—solo, with a functional medicine group, or as part of a broader performance ecosystem. Lessons & Takeaways Longevity is a macro trend: People know they're going to live longer and want to invest in staying active, capable, and independent. Continuity beats volume: A few dozen long-term clients can support a strong business if they stay with you for years. Cash PT has structural advantages: You're not limited by insurance codes, visit caps, or what a payer thinks is "medically necessary." Data builds trust: Objective testing plus retesting makes progress real and keeps clients engaged. Longevity is "sticky" business: Once people see value in long-term health, they're less price sensitive and more loyal. Early adopters benefit most: Clinics that build longevity offerings now get ahead of a trend that large systems are just starting to chase. Mindset & Motivation Think in decades, not visits: Stop viewing patients as "10-visit plans" and start thinking in 5–10 year relationships. See yourself as a guide, not a fixer: You're not just solving pain—you're guiding someone's health span and performance over time. Health is real wealth: For your patients and for you—longevity work aligns your business model with what truly matters. Don't wait for permission: You don't need a big brand or hospital system to validate this for you; the demand already exists. Pro Tips for Clinic Owners Start with what you know: Build a simple longevity track around your existing strengths: strength, mobility, running, or performance. Add one objective test: Integrate VO2 testing, force plate jumps, or standardized movement screens with baseline + retest cycles. Layer in basic lifestyle coaching: Learn enough about sleep, stress, and nutrition to guide your patients or partner with someone who can. Use tech wisely: Don't buy everything at once—choose tools you'll actually use and that support your specific model. Leverage an AI scribe: Implement Clair so documentation doesn't steal time from long, relationship-based care. Notable Quotes "People are realizing they're going to live longer—and they want to be proactive, not reactive." "If a giant like Equinox is rolling out a $40,000-a-year longevity program, they've done the research. The demand is there." "My buddy needs 30 to 40 new patients a year. That's it. What game do you want to play?" "Cash-based PTs are uniquely positioned to capitalize on this trend—we're not handcuffed by insurance." "Health is real wealth. If you're not healthy, it doesn't matter how much money you have." Action Items Audit your current services: where could you naturally extend into long-term, proactive care? Sketch a simple 6–12 month "longevity track" for your ideal client, including assessments and retests. Identify one piece of tech or testing you could add to make your results more objective and compelling. Look for local partners (functional medicine, labs, coaches) who could complement your skill set. Consider using Clair to free up time so you can deepen relationships instead of chasing notes. Programs Mentioned PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Learn exactly how much income you need to replace, how many people you need to see, and the specific strategies to go from side hustle to full-time practice owner. Join here. Resources & Links PT Biz Website Free 5-Day PT Biz Challenge MeetClair AI — Free 7-day trial for PTs About the Host: Doc Danny Matta — physical therapist, entrepreneur, and founder of PT Biz and Athlete's Potential. He's helped over 1,000 clinicians start, grow, scale, and sometimes sell their cash practices, and he's passionate about helping PTs build businesses that support long-term health and real financial freedom.

In episode #333, Ben answers a foundational SaaS metrics question: Should expansion revenue be included in your Lifetime Value (LTV) calculation? Ben walks through the correct LTV formula and highlights how misalignment between LTV and CAC can distort your LTV:CAC ratio. He also covers when expansion should be included. The episode provides a practical framework for SaaS founders, CFOs, and operators to ensure they calculate LTV accurately, compare it properly to CAC, and model unit economics using consistent, reliable inputs. Key Topics Covered The correct LTV formula using average new-customer MRR × subscription gross margin Why the churn input should align with dollar-based metrics using 1 – Gross Revenue Retention (GRR) Why expansion revenue is deliberately excluded from LTV in most SaaS models How including expansion artificially inflates the LTV:CAC ratio The cost mismatch between acquiring new customers (CAC) and generating expansion revenue When PLG motions justify including limited, time-bound expansion revenue in LTV How organic upgrades differ from sales-assisted expansion How SaaS+ businesses must adjust their LTV formula to account for usage revenue The role of gross margin in determining true unit economics The importance of aligning metric definitions when evaluating customer profitability Why This Matters This episode is essential for: SaaS founders calculating LTV for budgeting, pricing, and forecasting CFOs, controllers, and FP&A leaders managing unit economics and CAC payback Finance teams modelling customer profitability and revenue expansion Operators working in PLG environments assessing organic expansion patterns Investors reviewing LTV:CAC ratios in diligence and portfolio monitoring Anyone building SaaS Plus (subscription + usage) revenue models Resources Mentioned Ben's deep dive on SaaS+ LTV: https://www.thesaascfo.com/how-to-calculate-ltv-with-variable-revenue/ SaaS Metrics course: https://www.thesaasacademy.com/the-saas-metrics-foundation

This week, the team breaks down how operators should be thinking about Q4 performance, offer strategy, and what it really takes to evolve beyond the traditional “discount + ads” playbook. We get into why some brands are rolling out first-ever sitewide promotions, how seasonal bundles create new revenue moments, and how text-to-buy flows, post-purchase upsells, and Shopify Collective can create seamless cross-brand merchandising opportunities heading into 2026.From there, we dive into one of the smoothest customer experiences we've seen lately: Fellow's text-to-buy setup. We unpack why it works so well for hardware brands with natural consumable add-ons, which categories this model is best suited for, and how operators can use complementary products to create repeat pathways without relying on subscriptions.We then dive into media expansion, with the hosts discussing why there's more opportunity than ever outside the traditional hero channels - from curated newsletter audiences to out-of-home paired with sampling and experiential moments, and the rise of street-interview content as a high-performing acquisition engine. There is so much overlooked media in the ecosystem right now, and operators who feel capped on their core platforms may be missing high-leverage arbitrage.We wrap with a discussion on identifying under-the-radar media buys, evaluating whether niche placements are worth the squeeze, and how to build a more resilient acquisition and retention engine moving into next year. If you're expanding your media mix, pushing for higher LTV, or rethinking your Q4 strategy, this episode is packed with operator-level insights.If 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:00:00:00 - Introduction00:17:51 - Text-to-Buy and Complementary Brand Partnerships00:35:40 - Testing Free Plus Shipping and Sample Funnels00:46:02 - Out-of-Home and Street Interviews00:58:11 - Balancing Arbitrage vs. Measurement01:08:28 - Aligning Media Investment with Attention TrendsPowered 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/operatorsRivo.https://www.rivo.io/operatorsSubscribe to the 9 Operators Podcast here:https://www.youtube.com/@Operators9Subscribe to the Finance Operators Podcast here:https://www.youtube.com/@FinanceOperatorsFOPSSign up to the 9 Operators newsletter here:https://9operators.com/

Loyalty platforms have evolved from sideline UA channels to commanding 25-50% of major studios' media budgets. In this deep dive, VYBS founder Ido Raz breaks down everything game developers need to know about loyalty apps—from the basics to advanced strategies for maximizing player quality and LTV.We cover the biggest misconceptions about incentivized traffic, why casual games benefit the most, and how to avoid the common mistakes that kill campaigns. Plus, Ido shares the single most overlooked KPI that changes how you evaluate traffic quality.CHAPTERS:00:00 Introduction02:39 How Loyalty Apps Differ from Offerwalls03:33 Business Model: From CPI to ROAS Optimization05:28 Can Loyalty Be a Primary UA Channel?11:25 Best Genres for Loyalty Platforms12:29 The Magic Myth: Why Loyalty Requires Specialization13:45 Are Loyalty Users Different from Traditional Players17:20 When Should Studios Start Using Loyalty Apps?18:54 The Cash Flow Advantage: 4 Months vs 2 Years21:00 Timeline to Success: 1 Week to 7 Weeks22:35 Patience vs Pressure: Learning Cycles26:30 Using Loyalty to Amplify Live Events27:53 Common Mistakes Studios Make29:52 The Unrealistic KPI Problem34:58 Loyalty vs App Store Competition36:07 AI's Impact on Loyalty Platforms40:36 Best Way to Spot Low-Quality Users44:46 What's Next for VYBS?

"Send me a text"In this episode, I break down the exact framework I've used to help e-commerce growth for supplement brands scale past $100M in revenue while staying profitable. You'll discover why 72% of your revenue comes from just 20% of your customers, how to calculate true Customer Lifetime Value (LTV) the right way, and the four pillars of LTV optimization that actually work in the supplement industry.This isn't about lowering your customer acquisition costs. It's about acquiring better customers and turning them into lifelong advocates.If you're tired of short-term wins that fade away, this episode will change how you think about growth forever.What You'll Learn:Why most supplement brands calculate LTV completely wrong (and how to fix it)The four unique levers supplement brands can pull to increase customer valueHow to build a trust system that overcomes supplement skepticismThe 90-Day Success System that prevents 60% customer loss after first purchaseReal benchmarks: what LTV:CAC ratios you should actually be hittingA step-by-step action plan you can implement starting todayIf 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

En este episodio de BossTank: Ser tu propio jefe hablamos de algo que puede salvar o hundir tu negocio en 2026: tus finanzas. Dejamos atrás las corazonadas y el “instinto emprendedor” para aprender a tomar decisiones basadas en datos reales, entendiendo que los números no son solo para contadores, sino la brújula de cualquier empresa que quiera crecer de forma sostenible.A lo largo del capítulo te compartimos 6 claves para dominar las finanzas de tu negocio:Cómo rastrear cada peso que entra y sale de tu empresa y entender que el dinero no se pierde, fluye.Por qué el flujo de caja es el pulso de tu negocio, más importante que las ganancias en el papel.Qué KPI financieros sí vale la pena medir (margen bruto, CAC, LTV, flujo de caja libre) y cómo convertirlos en decisiones.Cómo leer tu estado de resultados como una historia que revela qué está funcionando y qué no.La importancia de construir una estructura financiera sólida antes de crecer.Y cómo usar tus números para decidir cuándo acelerar, frenar, reinvertir o cambiar de rumbo.Si eres emprendedor, dueño de negocio o estás construyendo una empresa para 2026, este episodio te ayudará a perderle el miedo a los números y convertir las finanzas en tu mayor herramienta estratégica.

A lot of Fit Pros chase gimmicks. The ones who scale focus on solving real problems. In this episode, Lee and James break down why Black Friday deals don't build a business, why pricing-shoppers kill your LTV, and how to create year-round demand through consistent, high-ROI marketing that speaks to real pain points. Perfect listen before you plan 2026. ► Book a call with our team today and we'll show you exactly how to add more clients, more revenue, and more freedom to your fitness business: https://fitness-entrepreneur.com/an-business-growth-session/

I have a t-shirt subscription. Actually, I have two successful (and very profitable) t-shirt subscriptions: my T-Shirt Club and Tees 4 Teachers. And I'm not the only one growing thriving t-shirt subscriptions. LOTS of members of Launch Your Box are finding huge success with their own t-shirt subscriptions. With all this t-shirt subscription talk, you might be wondering if starting a t-shirt subscription is right for you.  In this episode, I'm sharing six reasons why you should consider starting a t-shirt subscription.   1. A T-shirt subscription has low start-up costs compared to other products. T-shirts range from $2-$7.  Printing can be done in-house or outsourced.  There is no need for expensive boxes - t-shirts can be shipped in poly mailers.  2. T-shirts are a wardrobe staple.  Everyone wears t-shirts.  T-shirts are consumable - they are used (worn) for a while and then replaced.  T-shirts can be dressed up or worn casually.  3. T-shirt subscriptions can be seasonal/holiday/theme-based.   Any niche can have a t-shirt subscription. Launch Your Box member t-shirt subscriptions include:  Career-focused tees Inspirational/self-care tees Tees for artists/crafters Snarky tees Animal/pet-themed tees 4. T-shirt subscriptions provide recurring revenue and recurring brand exposure.   A t-shirt subscription is a consistent source of recurring revenue.   A t-shirt subscription can provide opportunities for recurring brand exposure.  Add your label or brand to every design.  Build customer loyalty and commitment by consistently delivering quality t-shirts and designs.  5. T-shirt subscriptions foster a sense of community which can result in:  Increased loyalty Higher engagement Higher lifetime value (LTV) and retention rates 6. T-shirt subscriptions are more affordable and accessible than many other subscriptions.  A t-shirt subscription can be a successful, standalone subscription. It can also be a complement to your existing subscription box. Mine started as a complement to my Monogram Box when my subscribers asked for more t-shirts!  I've seen great success with my own t-shirt subscriptions and have helped SO MANY members of Launch Your Box build thriving t-shirt subscriptions.  I'm well-known for my extensive knowledge of all things t-shirt. So much so that my students and peers have been asking for a standalone t-shirt subscription course for quite a while. My team and I have spent the last several months working on this course. ⁠How to Start a T-Shirt Subscription⁠ covers everything you need to know in 12 video lessons full of actionable steps, worksheets, and special bonuses. It's the perfect way to get all your t-shirt subscription questions answered and get your t-shirt subscription started NOW!  Learn more about⁠ How to Start a T-Shirt Subscription⁠.  Join me for this episode as I share my own t-shirt subscription experience and all the reasons you should start a t-shirt subscription.  Join me in all the places:  ⁠Facebook⁠ ⁠Instagram⁠ ⁠Launch Your Box with Sarah Website⁠  Are you ready for ⁠Launch Your Box⁠? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. ⁠Join ⁠today!

Getting buy-in for marketing is often harder than doing the marketing itself. So how are other teams actually doing it?In this webinar, two senior marketers and two finance leaders co-present how they work together to get marketing funded, trusted, and seen as a growth driver.You'll learn: • The three biggest reasons marketing and finance clash • How to translate campaigns into simple financial models finance can trust • How to build a shared definition of “value” (brand, pipeline, revenue, margin) • What good forecasting looks like when marketing runs in delay • Practical scorecards, budget rhythms and templates you can steal • Real-world examples from agencies and B2B SaaS (Genio, Suprpwr, Profit Sprout)Perfect if you're a marketer who needs budget sign-off, or a finance leader who wants predictable growth without killing creativity.00:00 Why marketing + finance alignment matters03:43 Biggest blockers to buy-in07:47 Explaining budgets to finance12:31 Proving marketing's value17:41 Forecasting both sides trust23:22 Alignment case study33:35 CAC, LTV + payback made simple40:05 Building one shared scorecard46:03 Key takeaways47:42 Q&A roundup************************************************************************Please take the time to check out our partners, all of whom we work with because we think they're useful companies for lovely marketers.Frontify – All your brand assets in one place: Frontify combines DAM, brand guidelines, and templates into a collaborative source of brand truth.Cambridge Marketing College – The best place to get your marketing qualifications and apprenticeships.Planable – the content collaboration platform that helps marketing teams create, plan, review, and approve all their awesome marketing content.NOAN – your superhuman business partner. Easily build your strategy & control your business knowledge with AI, then use it to manage your tasks, create content & supercharge your marketing.Wistia – a complete video marketing platform that helps teams create, host, market, and measure their videos and webinars, all in one place.

In this episode of the Transform Sales Podcast: Sales Software Review Series, Amir Reiter, CEO at CloudTask, sits down with Luke Marshall, CEO at Baremetrics, to reveal how Baremetrics turns raw Stripe data into the actionable insights founders need to scale. Baremetrics delivers real‑time dashboards for MRR, churn, LTV, cohort retention, and more, lets you annotate revenue spikes, segment by any customer attribute, and recover failed payments automatically—so you can ditch clunky spreadsheets and incomplete Stripe reports. The result? Faster, data‑driven decisions that cut churn, boost expansion, and supercharge growth. If you're a SaaS founder, CFO, or growth lead, Baremetrics is your single source of truth for subscription analytics. Try Baremetrics here: https://software.cloudtask.com/baremetrics-ce250d #TransformSales #SalesSoftware #Baremetrics #StripeAnalytics #SaaSmetrics #RevenueGrowth

Building A $10 Million Hard Money Loan Portfolio Want to know exactly how to build a $10 million hard money lending portfolio—even if you're starting from scratch? In this episode, Jason Bailin from Hard Money Bankers breaks down the full blueprint his team has used to scale multiple lending offices to $10M+ in active loans across different markets. With 19 years in the industry and a portfolio of $50M+ annually, Jason walks through every step of the process, including lead generation, underwriting, capital structures, team building, and the financials behind running a profitable private lending company. In This Episode, You'll Learn: ✔️ How long it really takes to build a $10M loan portfolio ✔️ The exact lead generation system HMB uses (online + offline) ✔️ Risk management + underwriting essentials (LTV, ARV, borrower cash to close) ✔️ Capital structure options — funds, direct placement, unsecured debt & more ✔️ The hires you actually need to scale (and when to make them) ✔️ Tech stack recommendations for private lenders ✔️ Real financial breakdown: revenue, expenses & net profit on a $10M portfolio ✔️ What your portfolio looks like if you're lending your own capital vs. raising capital Whether you're new to private lending or already operating and looking to scale, this episode gives you a complete roadmap to build a sustainable and profitable hard money lending business. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

From professional wakeboarder to CEO managing $250M+ in commercial real estate investments, Nick Jones shares proven strategies for building successful real estate businesses through strategic partnerships, effective capital raising, and protecting investor interests. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with Nick Jones, CEO of Alakai Capital, who has underwritten and acquired over 70 commercial investments and developments representing more than $250 million in value. Nick currently oversees 800,000+ square feet of industrial, retail, office, and medical assets across multiple states. WHAT YOU'LL LEARN: In this episode, you'll discover how to raise outside capital for your first commercial real estate deal while protecting downside risk, why syndication can work better than funds when you can close deals quickly with trusted investors, and the surprising truth about "off-market" deals versus listed properties in today's transparent market. Nick shares how to build broker relationships that generate consistent deal flow without constantly hunting for opportunities, due diligence strategies when high-credit tenants won't share financial information, and why Covid flipped conventional wisdom about credit tenants versus mom and pop operators. You'll also learn about the strategic value of balancing consistent real estate returns with selective angel investments, how to navigate market trends including drive-through retail and efficiency-focused opportunities, and what freedom means beyond just financial independence. NICK'S JOURNEY: Nick's path wasn't linear. Growing up near Microsoft and Nintendo in Redmond, Washington, he found real estate "incredibly boring" until witnessing how it connected to fascinating industries. After his father and grandfather passed away during his senior year of high school, Nick moved to Florida to pursue professional wakeboarding, eventually earning a podium finish at the World Championships in 2011 while graduating summa cum laude from the University of Central Florida. The dean of UCF's real estate program, whose son was also a professional athlete, reignited Nick's interest in commercial real estate investment and development. Nick started in land brokerage during 2011-2012 when Florida land was worth less than the buildings next to it, learning through challenging cold calls to developers. FIRST DEAL LESSONS: Nick's entry into investing came through a vacant Taco Bell property. Working with a broker partner, they secured the building, signed a 10-year lease with a new tenant, and only had to replace the HVAC and roof. The timing proved fortunate - securing 80% loan to value at 2% interest on an interest-only basis during the post-financial crisis recovery. That first deal taught valuable lessons about protecting downside risk and building tenant relationships while delivering one of his strongest returns ever. CAPITAL RAISING EVOLUTION: For his first capital raise, Nick bought an old bank branch all cash with plans to tear it down and build a quick service restaurant. To protect downside risk as a new sponsor, he structured it with no debt and two years of interest and tax reserves. After approaching friends' parents, fellow brokers, and creating a detailed investment memorandum, a tenant approached wanting to lease the existing building as-is with a 10-year lease. Nick refinanced at 50% LTV, pulled equity out, and used those proceeds to buy a second deal. That snowball effect has grown to approximately 100 investors making about 500 investments with his company. KEY INSIGHTS: Nick continues syndicating individual deals instead of raising funds because his deals follow similar patterns with consistent return theses. This approach gives investors freedom to select which markets and property types align with their preferences while maintaining speed to close. Managing investor capital creates heightened responsibility that sharpens every aspect of deal execution. Nick approaches it similarly to personally guaranteeing loans - while losing your own capital is unfortunate, losing someone else's carries profound implications for relationships and reputation. The biggest lesson from deals that didn't go as planned: contracts matter, but people matter just as much. When tenants respond unusually quickly to lease documents without redlines for 10-15 year commitments, it raises red flags. During Covid, high-credit tenants had attorneys advising them to stop paying rent while small bay industrial mom and pop tenants maintained perfect payment records. BROKER RELATIONSHIPS: The majority of Nick's deals come through brokers he's built long-term relationships with over years. These relationships prove valuable because brokers trust Nick will maintain confidentiality, move quickly through underwriting, and they understand his investment criteria. After years of exchanging deals and feedback, brokers know which opportunities match his thesis. MARKET TRENDS: Interest rate movements create near-term positivity while inflation continues hitting sectors unevenly, creating inefficiencies and opportunities. The retail apocalypse predictions following Covid haven't materialized because people still crave experiences. Drive-throughs represent a clear trend as efficiency becomes paramount - almost every concept has figured out how to use them successfully, including Chipotle proving the model works for food types that seemed ill-suited initially. Perfect for real estate investors considering raising outside capital, operators building broker networks, and anyone interested in how successful commercial real estate investors structure deals and protect investor capital.FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/nickjones FOR MORE ON NICK JONES:https://www.alakai-capital.comhttps://www.linkedin.com/company/alakaicapital/https://www.linkedin.com/in/nickjonesrealestate/https://www.instagram.com/alakaicapital/ FOR MORE ON COREY KUPFERhttps://www.linkedin.com/in/coreykupfer/https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction: Nick Jones' journey from professional wakeboarder to real estate CEO [02:21] - Growing up around real estate near Microsoft and Nintendo in Redmond, Washington [04:21] - Pivoting from professional sports to commercial real estate after family tragedy [06:09] - The first deal: A vacant Taco Bell property that set the foundation [07:44] - Why Nick started with commercial properties instead of residential real estate [09:17] - Evolution of financing and capital raising strategies across 70+ deals [11:44] - Syndication vs funds: Why individual deal syndication works better [13:26] - The decision to raise outside capital and the weight of investor responsibility [14:15] - How grandfather and father approached real estate differently without raising capital [16:15] - Learning from deals that didn't go as planned: Contracts and people both matter [19:05] - Due diligence challenges with high-credit tenants who won't share financials [20:23] - Covid revelation: Mom and pop tenants paid while credit tenants had attorneys advise stopping rent [22:28] - How to source properties and build broker relationships that generate deal flow [25:52] - The truth about "off-market" deals in today's transparent commercial real estate market [27:59] - Balancing commercial real estate with selective angel investing for asymmetric returns [31:09] - Relying on specialized partners for angel investing due diligence [34:10] - Current market trends: Interest rates, inflation, drive-through retail, and efficiency plays [37:52] - Whether Nick's investor pool is set and how new investors can learn more [40:00] - What freedom means beyond financial independence: Physical, mental, and relationship dimensions [41:22] - The danger of gaining financial freedom while losing physical health or relationships [42:25] - Corey's "ideal life now" philosophy versus waiting for retirement Guest Bio Nick Jones has been involved in commercial real estate management, investment, development, and brokerage for over 20 years. Each role has added valuable perspective, introducing various angles and strategies to evaluate every opportunity Alakai Capital pursues. Currently, he serves as CEO managing acquisitions, development, and capital markets. Throughout his career, Nick has underwritten and acquired over 70 commercial investments and developments representing more than $250 million in value. He currently oversees 800,000+ square feet of industrial, retail, office, and medical office assets. Nick graduated summa cum laude from the University of Central Florida while simultaneously competing on the World Tour as a professional wakeboarder, earning a podium finish at the World Championships in 2011. He is an active member of ULI, ICSC, and NAIOP. Host Bio Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes Episode 191 - Jack Gibson: Achieving Financial Stability Through Real Estate Episode 183 - How To Invest In Real Estate with Kent Ritter: Explore different approaches to real estate investing and building investor relationships. Episode 353 - Build Community-Driven Real Estate Ventures with Ryan Andrews: Discover how community-focused approaches can enhance real estate investment strategies. Episode 185 - How To Raise Capital For Your Company with Maximilian Rast: Master the fundamentals of capital raising that apply across real estate and business ventures. Episode 352 - Proven Strategies for Scaling Companies Through Strategic Partnerships with Nahed Khairallah: Learn how strategic partnerships drive business growth beyond traditional capital raising. Episode 213 - A Discussion on Business Partnerships with Corey Kupfer: Understand the legal and strategic foundations of creating successful business partnerships. Social Media Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow Nick Jones: LinkedIn: https://www.linkedin.com/in/nickjonesrealestate/ Company: https://www.alakai-capital.com Instagram: https://www.instagram.com/alakaicapital/ Keywords/Tags commercial real estate investing, capital raising strategies, real estate syndication, syndication vs funds, broker relationships, tenant due diligence, credit tenant analysis, angel investing, real estate investment strategy, property investment, commercial property management, real estate financing, investor relations, deal sourcing, off-market deals, real estate partnerships, building wealth through real estate, entrepreneurship, business growth strategies, dealmaking

Thinking about hiring a marketing agency for your boutique fitness or wellness business? In this episode, Christa Gurka shares exactly what you need to know before you spend a single dollar on paid ads.Christa breaks down the essential marketing metrics and strategies every studio owner should understand — from CPC, CPA, and CAC to lifetime value (LTV) and conversion rates — so you can make informed decisions and avoid wasting money.Whether you run a Pilates studio, yoga studio, or private-pay PT clinic, this episode will help you become confident in your marketing conversations, know what red flags to watch for, and understand how to measure real results from your ad spend.

In episode #330, Ben explains one of the most common and costly SaaS finance mistakes: failing to allocate CAC between new and existing customers. This oversight leads to misleading KPI's, inaccurate CAC payback, flawed LTV to CAC ratios, and unreliable unit economics. Ben walks through exactly how to allocate CAC the right way, how to segment sales and marketing expenses, and why this matters for accurate revenue efficiency metrics and due diligence. Key Topics Covered Why fully burdened sales and marketing expenses are required for accurate CAC The danger of pushing all sales and marketing expenses into CAC without allocation How to allocate CAC between new customer acquisition and expansion How to segment sales teams (hunters vs. farmers) and avoid co-mingled headcount Allocating marketing spend based on acquisition channels Typical allocation benchmarks for sales (60-80% to new) and marketing (80-90% to new) Why accurate CAC is essential for CAC payback, LTV to CAC, and cost of ARR How the Cost of ARR provides a blended benchmark without requiring allocation Using allocation methods for businesses with multiple product lines or motions What You'll Learn How to correctly calculate CAC using fully burdened sales and marketing expenses How to evaluate marketing economics and sales efficiency with proper allocation Why unallocated CAC leads to distorted financial strategy and misleading KPI's How CAC allocation flows into CAC payback period, LTV to CAC, and ARR efficiency How to build a repeatable, defensible go-to-market metrics framework that withstands due diligence Who This Episode Is For SaaS founders scaling beyond early customer acquisition CFOs, FP&A leaders, and finance teams who own KPI modeling Operators who need accurate CAC, CAC payback, and LTV calculations Investors or advisors assessing revenue efficiency and go-to-market economics Related Resources SaaS Metrics Foundation course covering CAC, LTV, ARR, and unit economics: https://www.thesaasacademy.com/the-saas-metrics-foundation Coaching resources on building an accurate, SaaS-specific chart of accounts: https://www.thesaasacademy.com/saas-cfo-coaching

Monetization isn't a layer, it's the outcome of understanding player motivation. This episode covers segmentation, pricing, LTV curves, and early warning signs of monetization failure. A concise breakdown of how sustainable revenue systems are built.

Today we are talking to a primary care doc who has become a multimillionaire and is now essentially financially independent. Their financial success has allowed her career military spouse to retire. She said she loves her career and despite their financial situation she has no desire to quit working. They live in a high cost of living area and are a great example that if you do the right, boring, consistent thing over time - you will reach your financial goals. After the interview we are talking about financial independence for Finance 101. 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 #247 02:18 Primary Care Doc Becomes Multimillionaire and Retires Her Husband 11:56 Advice For Others 18:17 Financial Independence