Podcasts about ltv

Tori Spelling (Beverly Hills 90210, Saved by the Bell) joins us this week for a warm, sarcastic, surprisingly vulnerable conversation about growing up as Aaron Spelling's daughter and the lifelong instinct to overcompensate to prove she belongs. Tori opens up about sneaking into the 90210 audition under an alias, being paid less than a guest star while being a series regular, the bittersweet timing of conceiving her oldest a month after her dad passed, and why Shannen Doherty's death cracked her open in a way nothing else had. We also get into co parenting after 18 years of marriage, dating with five kids, and her plan to build her own entertainment empire. Thank you to our sponsors:

Brian O'Connor spent three years building a 40,000-person Twitter following, launched product after product into that audience, and made almost nothing. The turning point came when he stopped looking for clever ideas and started running a boring business where product market fit already exists. He wrote down everyone he knew, sent texts, and sold $20K of recruiting services off a single Google Doc in two weeks. Today he runs TalentHQ, a recruiting agency placing Latin American project managers into US businesses — built nomadically with a co-founder, now operating with a team of two plus AI. In this conversation: why reach and revenue have almost nothing to do with each other, how he turned a podcast into his primary acquisition channel, and what it actually looks like to build a service business from scratch in 2026. Guest: Brian O'Connor, Founder of Talent HQ Sponsor: wayfront.com/tmba Thanks to this week's sponsor Wayfront — the AI-ready operating system for productized agencies. One client portal. One team dashboard. All your data, AI-accessible. TMBA listeners get an extra free month on top of the trial at wayfront.com/tmba. Links: Business Resources Upcoming DC Events

On the podcast: reaching brand-new audiences through web funnels, how they created their own ‘Big Mac index' for global pricing, and why monthly plans can beat annual for LTV.Top Takeaways:

AI ARR is easy to announce. Proving it is where most SaaS finance teams are about to get exposed. In episode #379, Ben Murray tackles the new bar for AI financial transparency and what it means for your next budget season. The public markets have already moved the goalposts. Launching AI was the 2024 story. Reporting AI ARR was the 2025 story. Now investors and boards want to see AI margins, customer outcomes, and proof that AI revenue is actually dropping to the bottom line. That same pressure is heading straight for private SaaS, and your board will bring it to budget season whether you are ready or not. Understand why AI ARR by itself no longer satisfies boards or investors, and what they now demand to see in the numbers. Separate pure AI revenue, AI-influenced revenue, and AI upsell so your reporting survives scrutiny, using clean SKUs, product IDs, and chart of accounts. Know which AI costs belong in COGS, including inference, infrastructure, and observability, so you can show your real AI margins. Walk into budget season ready for the board questions on AI revenue, AI cost, and margin by revenue stream. Instrument heavy, medium, and light AI users so you can defend margins and LTV to CAC as usage scales. Listen now and build the AI transparency your board will expect before budget season starts. Resources Mentioned Ben's blog posts on capturing AI costs in COGS: inference, infrastructure, and observability: https://www.thesaascfo.com/what-should-be-included-in-ai-cogs/ Ben's training on AI metrics: https://www.thesaasacademy.com/ai-finance-metrics-saas

Rhea Seehorn (Better Call Saul, Pluribus) joins us this week for a candid and grounded conversation about the weight of her recent Golden Globe win, the long road of rejections that shaped her, and the moment Vince Gilligan called to say he had written Pluribus specifically for her. Rhea opens up about watching herself on screen, suppressing her anger until her body forces it out, and finding the heroism in simply getting off the couch. We also talk about her mentor's advice on curtain calls, the brutal feedback she received about her looks early on, and why she believes the best acting comes from her healthiest place. Thank you to our sponsors:

Send us Fan MailWe talk with Mike Ferreira about the moment a serious neck injury forced him to step out of his gym and finally build a business that works without him. We break down the skills, numbers, and leadership habits that turn a capped fitness business into a scalable machine while keeping family and real life in focus.• building a “jail cell” by wearing every hat• the emotional cost of missing family moments• why desperation creates bad business decisions• learning to ask better questions under pressure• finding mentorship that simplifies gym business fundamentals• using theory of constraints to diagnose bottlenecks• tracking CAC and LTV like you track macros• becoming a leader worth following through extreme ownership• protecting relationships, health, and meaning with the five pillarsYou can find us on the web at gymlaunch.com, and we love to hop on a call and have an honest conversation about whether we can help you or notHow To Reach Mike Ferreira:Instagram: https://www.instagram.com/realmikef/How to Learn More about Gym Launch:https://www.gymlaunch.com/ To Reach Jordan:Email: Jordan@Edwards.Consulting Youtube:https://www.youtube.com/channel/UC9ejFXH1_BjdnxG4J8u93ZwFacebook: https://www.facebook.com/jordan.edwards.7503Instagram: https://www.instagram.com/jordanfedwards/Linkedin: https://www.linkedin.com/in/jordanedwards5/Hope you find value in this. If so please provide a 5-star and drop a review.Complimentary Edwards Consulting Session: https://calendly.com/jordan-edwardsconsulting/30min 

You can close $800 million deals, fly first class, and still be going broke on the inside. In this episode of The Fulfillionaire, Cruz Gamboa, Founder and Managing Partner of Ascend Growth Ventures, shares the full unfiltered story and the clarity, cash flow framework, and mindset shifts that finally set him free. Cruz breaks down the three metrics that actually tell you whether your business is healthy: profit margin over gross revenue, cash burn, and the LTV-to-CAC ratio.  But tactics without clarity are just expensive noise. His BHAG framework exposes the real problem most entrepreneurs avoid: they chase a number without knowing why it matters, which means they have no filter for what to pursue, what to cut, or when enough is actually enough. When clarity replaces ambition as your compass, decisions get easier, the right people find you, and the work starts to feel like a mission instead of a grind.   The breakthrough was always on the other side of the burnout. When you are ready to stop building income and start building a life, visit fulfillionaire.com. Don't miss the full episode of Why High Achievers Burn Out Before They Break Through with Cruz Gamboa. Cruz Gamboa is the Founder and Managing Partner of Ascend Growth Ventures, bringing over 25 years of experience as a corporate CFO navigating capital markets, structured finance, and project finance across Latin America. He has closed deals as large as $800 million and built financial models that moved real money at the highest levels of business and government. But behind the credentials was a man who stayed nearly eight years past the moment he knew it was time to leave. Cruz now channels that hard-won experience into helping high achievers recognize the burnout beneath the success before it costs them everything. Website: https://cruzgamboa.com/  Instagram: https://www.instagram.com/cruzgamboa.ascend/  LinkedIn: https://www.linkedin.com/in/cruzgamboa/  YouTube: https://www.youtube.com/@ascendgrowthventures  Ascend Growth Ventures Website: https://ascendgrowthventures.com/  Facebook: https://www.facebook.com/ascendgrowthventures/  LinkedIn: https://www.linkedin.com/company/ascendgrowthventures/  JP Newman is the founder of Fulfillionaire and CEO of Thrive FP, known for helping high-achievers align financial success with deeper human connection and purpose. With over $2 billion in real estate transactions and hundreds of investors coached, he brings a powerful blend of strategy, psychology, and emotional intelligence to the world of investing and negotiation. JP teaches that the best deals are built by understanding people, energy, and intention. Through his Fulfillionaire™ movement, he helps leaders stop operating from fear and start making decisions rooted in clarity and alignment. His approach redefines negotiation as a human-centered skill that turns insight into influence and lasting success. IG: https://www.instagram.com/jpnewman_/  LI: https://www.linkedin.com/in/jp-newman-45a1ba/     

Nos visita desde España, Álvaro Ovejas escofundador y CEO de Lead Motiv, consultora digital especializada en ayudar aempresas de servicios a construir sistemas de crecimiento más sólidos, mediblesy orientados a negocio. Desde hace más de 14 años trabaja en la intersecciónentre marketing, ventas y tecnología, acompañando a compañías B2B y B2C en eldiseño de estrategias de captación, conversión y gestión de leads, con unavisión muy enfocada en resultados: generar más oportunidades cualificadas,mejorar la eficiencia comercial y tomar decisiones basadas en datos.Desde Lead Motiv, Álvaro impulsa unenfoque de trabajo que va más allá de la ejecución de canales aislados. Suvisión parte de entender al detalle las bases estratégicas: modelo de negocio,ICP, Propuesta de valor y objetivos, para definir sistemas de adquisición,automatización y conversión que conecten marketing y ventas. Como CEO yconsultor estratégico, combina experiencia práctica, visión de crecimiento ycercanía con los equipos directivos para ayudar a las empresas a vender más ymejor, con mayor control sobre métricas clave como SQL, CAC, LTV y retorno dela inversión. Links :De la empresa (Lead Motiv)https://leadmotiv.com/https://www.linkedin.com/company/leadmotiv/https://www.instagram.com/leadmotiv/ De los socioshttps://www.linkedin.com/in/alvaro-ovejas/https://www.linkedin.com/in/josemariafrancomartinez/

Neste episódio do VDCast, você vai entender como transformar um mercado tradicional em um negócio digital, lucrativo e escalável, sem depender de loja física, estoque parado e estrutura pesada. Lorena Rabelo mostra como digitalizou a própria joalheria, criou a Joalheria 360 e desenvolveu um método para vender joias 100% online, formar novas empreendedoras e construir um instituto com potencial global.

O que é GEO e por que sua marca precisa aparecer nas respostas do ChatGPT, Gemini e Perplexity antes dos seus concorrentes? O SEO não morreu, mas o jogo mudou. Com a ascensão das IAs generativas, não basta mais ranquear no Google: é preciso ser a resposta que os modelos de linguagem escolhem quando alguém pergunta sobre o seu mercado. Neste episódio do Papo Social Media, Rafael Kiso e Marcio Silva recebem Diego Ivo, CEO e fundador da Conversion, maior agência de SEO do Brasil, para uma aula completa sobre GEO (Generative Engine Optimization) e o impacto da busca generativa no marketing digital. A conversa explora como funciona a lógica dos tokens nas LLMs, porque o LinkedIn é hoje a principal fonte citada pelas IAs em contexto B2B, como o framework EEAT do Google se aplica diretamente ao posicionamento nas ferramentas de IA, e quais estratégias práticas qualquer marca pode adotar agora para treinar os modelos de linguagem a seu favor. Um episódio essencial para profissionais de marketing, agências e gestores que querem entender o novo cenário da busca e garantir visibilidade na era da inteligência artificial. 00:00:08 Introdução e apresentação de Diego Ivo 00:01:40 O que é GEO, AIO e os diferentes termos para a otimização em IAs generativas 00:05:00 A fragmentação das buscas: Google, YouTube, TikTok, marketplaces e LLMs 00:07:55 Como funcionam os tokens e por que sua marca precisa ser o próximo token mais provável 00:09:24 LLMs consultam o Google em tempo real: por que o SEO está mais vivo do que nunca 00:10:19 GEO vs SEO: o guarda-chuva da busca e a ressignificação do que é otimização 00:13:00 A migração do clique para a resposta: o fim do modelo baseado em last click 00:16:57 Autoatribuição: a métrica mais poderosa para entender de onde vêm seus clientes 00:20:23 Zero click search: buscas sem clique crescem de 56% para 69% no Google 00:21:20 ChatGPT, Claude e o novo cenário competitivo das IAs generativas 00:25:48 Framework EEAT: Experience, Expertise, Authority e Trustworthiness aplicados ao GEO 00:31:26 Por que o LinkedIn é a fonte número 1 das LLMs em contexto B2B 00:33:41 Artigos e newsletters do LinkedIn vs posts do feed: o que as IAs realmente consomem 00:34:20 TikTok e indexação por áudio: o próximo passo das LLMs para vídeos 00:36:10 Branding semântico: como treinar os modelos de linguagem com os atributos da sua marca 00:41:10 Fontes externas que mais influenciam as LLMs 00:44:39 As principais digas técnicas para aparecer nas respostas de buscas 00:54:02 Thought leadership e founder-led growth: por que o executivo precisa criar conteúdo 00:58:31 Conteúdo factual e recência: como funciona para as LLMs 01:02:50 As principais métricas do GEO: autoatribuição, share of search, CAC e LTV 01:09:10 O futuro: de assistentes para agentes que operam processos inteiros 01:10:32 Inteligência vs julgamento: o que pode ser automatizado e o que ainda é humano 01:14:05 Harness proprietário: como criar arquiteturas de agentes que geram diferenciação competitiva 01:23:09 Encerramento  Acompanhe   Diego Ivo: LinkedIn - https://www.linkedin.com/in/diegoivo/  | Instagram - https://www.instagram.com/diegoivo  Conversion: LinkedIn - https://www.linkedin.com/company/agenciaconversion/ |   Instagram - https://www.instagram.com/agenciaconversion/  Rafael Kiso: LinkedIn - https://www.linkedin.com/in/rafaelkiso/ | Instagram -  https://www.instagram.com/rafaelkiso/  Potencialize sua gestão de mídias sociais com a plataforma mais usada por agências e profissionais no Brasil! Teste grátis a mLabs agora mesmo: https://mla.bs/8f82d839

Want to get started with HighLevel? Start your 14-day FREE trial here

Podmienky poskytovania hypoték sa zmenia. NBS avizuje zmeny, podľa ktorých by sa k vlastnému bývaniu mali jednoduchšie dostať mladí ľudia a, naopak, kúpiť si druhý či tretí investičný byt bude zložitejšie. Ako sa zmení hypotekárny a realitný trh vysvetľuje v rozhovore Marián Búlik, finančný analytik OVB Allfinanz Slovensko. Podstatnou zmenou je úprava parametra LTV (Loan-to-Value), teda pomerom medzi výškou úveru a hodnotou založenej nehnuteľnosti, teda akú veľkú časť ceny bytu alebo domu môže banka klientovi požičať. V prípade mladých ľudí do 35 rokov to bude až 90 percent a v prípade investorov, ktorí si kupujú tretiu a ďalšiu nehnuteľnosť táto hodnota klesne len na 70 percent. Zmena podmienok mladým ľuďom čiastočne pomôže, ale oveľa väčším problémom pre nich zostávajú vysoké ceny nehnuteľnosti. „Preto táto zmena pomôže len niektorým, nie všetkým. Dostupnosť bývania sa trochu zlepší, ale úplne sa nevyrieši,“ hovorí Búlik. Problémom sú najmä nízke úspory mladých ľudí a vysoké ceny nehnuteľností. Preto by skôr pomohlo, keby sa podarilo rozbehnúť bytovú výstavbu a zvýšiť ponuku bytov na Slovensku. „Dnes nám chýba 200-tisíc a viac bytových jednotiek. Na to by bolo nevyhnutné najmä urýchliť čas výstavby bytov, ktorý môže trvať až desať rokov. Problémom sú aj neobývané nehnuteľnosti, ktoré zostávajú prázdne. V Bratislave je ich desať percent a v Košiciach až pätnásť percent.“ Expert upozorňuje, že dobrým riešením môže byť pre záujemcov o bývanie predschválenie hypotéky ešte skôr, ako si vyberú konkrétnu nehnuteľnosť. Žiadateľ požiada banku o hypotéku, absolvuje celú procedúru, banka mu schváli maximálnu výšku úveru a stanoví konkrétnu úrokovú sadzbu. Tieto podmienky mu potom garantuje najbližších dvanásť mesiacov a človek má čas si hľadať nové bývanie podľa schváleného maximálneho limitu. „Veľmi sa to oplatí v čase očakávaného rastu úrokov.“ Zmeny NBS o niečo skomplikujú poskytovanie hypoték pre investorov, ktorí si požičiavajú na tretiu a ďalšiu nehnuteľnosť. Podľa údajov NBS až 16 percent nových hypoték získali v minulom roku investori. Pri novostavbách je ten podiel ešte oveľa vyšší, môže to byť aj viac ako polovica bytov. Marián Búlik komentuje, že zníženie parametru LTV na 70 percent čiastočne môže obmedziť investičný apetít po bytoch, ale zásadný vplyv to mať nebude. Pri takýchto klientoch je totiž možné založiť ich zvyšné nehnuteľnosti, ktoré už vlastnia a tým pádom tento limit na novú hypotéku úplne obídu. Čoraz viac investorov však upriamuje pozornosť do zahraničia. Deje sa to aj kvôli geopolitickej situácii. Ak niekto vlastní viacero nehnuteľností, často chce rozložiť riziko a nemať ich všetky na Slovensku. Preto sa obzerajú po iných krajinách, ako je Chorvátsko, Španielsko alebo Česko. „Hlavné mesto Praha je extrémne drahé, ale dá sa tam extrémne zarobiť. Ľudia, ktorí si tam kúpili byty, zarábajú desiatky percent ročne len na náraste ich ceny. Kapitálový výnos je tam mimoriadny.“ Na Slovensku narástli ceny nehnuteľností za posledný rok o 14,5 percenta. V Prahe to bolo ešte viac. Dnes je priemerná hypotekárna sadzba na Slovensku 3,5 percenta a podľa experta sa najviac oplatí trojročná fixácia. „Tento rok budú hypotekárne sadzby ešte rásť. Pokles príde neskôr.“ Rozhovor moderuje Eva Mihočková. V rozhovore sa dozviete: ako sa menia podmienky hypoték, čo by pomohlo zvýšiť dostupnosť bývania, ako sa zmenia podmienky pre investorov, kde a ako dnes kúpiť investičný byt, aká je situácia na hypotekárnom trhu a kam smeruje. See omnystudio.com/listener for privacy information.

Are you scaling your e-commerce brand in revenue, but not in profit? Are you flying blind on CAC, LTV, fulfillment costs, and ad performance, hoping the numbers work out later? Many founders grow to low 7-figures on hustle and luck, only to hit a painful ceiling of chaos, cash-flow problems, and agency fatigue.  In this episode of Marketer of the Day, growth partner Cem Atik of Harucon Ventures shows you what it really takes to move from low 7-figures of chaotic growth to predictable, profitable scale. With 13+ years in e-commerce and a track record of stepping into DTC brands “stuck between traction and chaos,” Cem doesn't just run ads, he and his team take equity and full control of marketing, perform deep finance and marketing due diligence, and rebuild growth systems from the inside out. Cem reveals the three bottlenecks he sees in almost every 7- and 8-figure brand: founders who don't know their true CAC and LTV, broken or non-existent third-party tracking and attribution, and a lack of real control over fulfillment, taxes, and operational costs. He explains how, by building a single source of truth for numbers and cohorts, brands can finally make confident decisions about where to cut spend, where to double down, and how aggressively they can acquire new customers. Instead of guessing, you start steering your business with clarity. https://youtu.be/3fHMwV8W1tE?si=WS6EZKQnCQ77GEYj You'll also hear a powerful case study of a brand doing $10M/month that boosted revenue while cutting marketing spend by 20–25% just by fixing structure and supply chain inefficiencies, saving 9% on fulfillment alone. Cem calls his model “marketing for adults”: performance-based, numbers-first, and designed so both sides win only when the business truly grows profitably. Along the way, he shares why humility beats ego when hiring marketers and operators, and why, if you truly control your numbers, you can afford to move fast and even be a little chaotic everywhere else. If you're tired of agency fatigue, unclear profitability, and growth that feels like a gamble instead of a strategy, this conversation will give you a concrete blueprint. You'll discover how to get a grip on your metrics, clean up your ad accounts, and build a team and system that take you from “winging it” at $1–5M to scaling like a pro toward $50M and beyond, without losing your sanity or your margins. Quotes: “Brands that grow from five to fifty million don't do it because they run better marketing; they do it because they did the groundwork that allows them to grow safely.” “If you have control over your numbers, you can be chaotic in everything else, and as long as your execution speed is great, you will still succeed.” “You could be the best email, WhatsApp, Google Ads, or Meta guy, but the only thing that will always win is a good team that's working proactively together.” Contact Details: Connect with Cem Atik on LinkedIn Explore Harucon Ventures Official Website

Explore the rapidly evolving landscape of rewarded ads in mobile gaming with industry experts. In this episode we dive into the shift from simple install-driven models to sophisticated, data-led strategies that integrate live ops and deep user segmentation. Our guests Zino Rost van Tonningen, CEO at TyrAds and Arseny Lebedev, Co-Founder & CEO at Original Games discuss the critical role of data structure in the age of AI and why a "one-size-fits-all" approach no longer works for monetization.The discussion covers the diverse personas within the rewarded ecosystem—ranging from "rewards hunters" to dedicated casual players—and how these segments impact long-term profitability and LTV. Discover why rewarded ads are becoming a vital alternative for game discovery amidst the challenges of modern app store SEO.This is Part 1 of our in-depth conversation. Stay tuned for Part 2, where we dive deeper into the evolving world of rewarded ads, exploring how studios can leverage AI for hyper-segmentation, the critical importance of integrating monetization directly into game design, and expert tips for accurately measuring long-term campaign success.Timestamps:00:00 - The Evolution of Rewarded Ads02:40 - Data-Driven Market Correction06:30 - A Publisher's Perspective on Rewarded UA10:00 - High-Value User Behavior12:50 - Balancing User Segments for Profitability17:15 - Scalability and Competition19:35 - The Four Main Rewarded Personas** Let's Connect **

Caleb's guest is Doug Sirkoch from UpRoute, a marketing agency specializing in the green industry. The conversation focuses on digital advertising strategies for landscaping and hardscaping businesses, specifically highlighting the importance of tracking metrics like customer acquisition cost (CAC) and lifetime value (LTV). Doug explains the mechanics of Google Ads and the auction-based system that determines search rankings, while emphasizing that fundamental business practices like high-quality reviews remain essential. He also touch upon Facebook retargeting and the necessity of having a professional website to convert leads effectively. The episode provides a roadmap for contractors to use paid media as a scalable lever for business growth and diagnostic improvement. Key Takeaways: Calculate your customer acquisition cost and lifetime value to ensure your marketing spend is actually driving long-term profitability. Maintain high-quality website content and professional imagery to establish authority and attract premium, high-paying clients. Differentiate your business from large corporations by prioritizing personal communication and responding to leads as quickly as possible. Commit to a consistent, long-term advertising strategy rather than turning ads on and off to allow search algorithms to optimize your results over time. Implement retargeting campaigns on social media to stay in front of potential customers who have already shown interest in your high-ticket services. Connect with Auman Landscape

Join Our Live Free Masterclass on How to Add $14,800 a Month Signing Just 2 Clients Per Week with The LTV Retention Method We wanted to take a look back in time and show you 3 years later that what we are talking about with LTV and backend offers is more relevant than ever. We recently looked at all of our data during August and were surprised to learn two things: we had our highest revenue month ever and we have our lowest front end sales into our 90 day program. How can this be? In today's episode, I'll break everything down from roles to offer structure to backend offers. If you're wanting to grow or want to learn more about how a big business grows and operates, definitely don't miss this one!   Time Stamps:   (0:44) What We'll Cover Today (2:14) Context on Me (Jordan) (3:18) Our Highest Revenue Month (6:27) Our Offer Structure (8:14) Keys to Your Backend Offer (12:10) Sales Team (15:35) Growing Business Means Team Turnover (16:29) Long Term Goal ----------------

In this episode of Run the Numbers, CJ sits down with Dan Bettes, CFO of SoundCloud, at the New York Stock Exchange. Dan breaks down how SoundCloud operates as a two-sided music marketplace, how he thinks about liquidity between fans and creators, and why great finance leaders need to make forecasting feel owned by the business—SPONSORS:Aleph is a modern FP&A platform built for teams that want more than another planning tool. By connecting your ERP, CRM, and other systems into one trusted data layer with AI workflows, Aleph helps you move faster with real-time insights. Get a personalized demo at https://www.getaleph.com/runRightRev is an automated revenue recognition platform that lets your product team ship new pricing without asking finance for permission, and your sales team close deals without creating downstream chaos. Check out their free tool at calculator.rightrev.com It scores your rev rec process, shows what's exposing you to risk, and tells you exactly where to focus before it bites you in the rear end. Check it out at https://calculator.rightrev.comRillet is an AI-native ERP built for modern finance teams that want to replace NetSuite and close faster. With revenue recognition, close management, multi-entity support, and native Stripe and Salesforce integrations, Rillet helps scaling companies run their finance stack in one place. Hundreds of teams, including Windsurf and Mercor, use Rillet to make the zero-day close real. Book a demo at https://www.rillet.com/cjEY has been part of Silicon Valley since it was just a valley, helping the most successful names in tech go from startup to exit to megacap. With teams across strategy, tax, audit, and transactions, EY helps you get your financials right early, long before your investors start asking for it. You build the next big thing, and EY will help you build it right. Learn more at https://www.ey.com/techstartupsSpendHound cuts your SaaS and AI spend by up to 30% using real pricing benchmarks across 10,000 vendors, so you always know what fair pricing looks like before your next renewal. Rated #1 on G2 in SaaS spend management, it's free forever for teams up to 1,000 employees. Sign up by June 12th and get $500 just for getting started. Go to https://www.spendhound.com/cjBrex is an intelligent finance platform with AI-powered agents that capture expenses automatically, enforce policy before the spend happens, and close your books in minutes instead of weeks. 35,000+ companies like OpenAI, Coinbase, Anthropic, and DoorDash already run on Brex. It's time to get Brex AF. Learn more at https://www.brex.com/metrics—LINKS: Mostly Talent: https://mostlymetrics.typeform.com/to/cLTxtAsNGuest: https://www.linkedin.com/in/danielbettes/Company: https://soundcloud.com/CJ: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—TIMESTAMPS:0:00 Preview and Intro2:17 First stock: a Vanguard index fund3:13 Most memorable IPO: Groupon4:54 Benefits of going public have changed5:47 SoundCloud and the music industry7:21 Three eras: physical, streaming, creator platform8:49 Streaming unbundled the album10:03 Artists don't need labels anymore11:40 Sponsors — Aleph | RightRev | Rillet15:00 SoundCloud's two-sided business model16:23 Touring replaced the album17:17 First metric every morning: net adds18:31 DAU vs. MAU: it's a funnel19:14 Viral moments and exogenous pops20:10 LTV and the subscription funnel21:38 Sponsors — EY | SpendHound | Brex24:35 Tops-down vs. bottoms-up: reconcile both26:21 Revenue is an output27:45 Handling forecast deviation29:24 How often to reforecast30:23 The final boss: indirect cash flow statement33:09 Cash vs. EBITDA fluency35:04 Plain English and the power of reps36:52 Tailor the message to the audience37:45 Lightning round37:45 Screwed up: miscounted corn at a banquet38:41 Lean into discomfort39:55 Craziest expense: a post-flight massage40:17 Credits

Not all rewarded users are the same — and treating them as one audience is exactly why so many rewarded UA campaigns underperform. Recorded live on Day 2 of MAU Vegas, this conversation breaks down how Tyr Ads segments rewarded traffic into three distinct personas and engineers profitability around the mix.Matej Lančarič sits down with Zino, CEO of Tyr Ads (and the Try Rewards consumer product), to unpack the year's changes: a brand-new in-house platform built specifically for rewarded (because third-party tracking simply isn't built for it), AI-driven user labeling that sorts players into reward hunters, casual/social users, and gamblers, and an A/B testing and LiveOps system that targets each segment with different reward funnels. They get into why too many gamblers will actually lose you money, how the day-7-to-day-30 curve drives faster ROI and more aggressive bidding, the new Nordeus exclusive offerwall deal, why Tyr is betting on gaming supply over reward apps, and where rewarded UA is heading — segmentation, recommendation models, and a full shift to ROAS-based campaigns.⏱️ TIMESTAMPS00:00 Cold open — the day-7-to-day-30 curve and faster ROI01:30 Tyr Ads intro and what changed this year02:54 The new in-house platform and audience segmentation03:30 The three personas — reward hunter, social, gambler05:40 Why too many gamblers loses you money09:25 How the recommendation models hit day-7 targets15:55 A 50/50 IAP/ads game — where to start21:08 The Nordeus exclusive deal and the gaming-supply bet26:46 Where rewarded UA is heading — ROAS and 2027

"Rehypothecation is cryptographically impossible." Martin Matejka joins the show to break down the rise of Bitcoin-native lending, Firefish's 3-of-3 multisig + DLC architecture, and why the February 6 stress test was the day Bitcoin-backed credit grew up. We discuss why rehypothecation can be engineered out rather than promised away, how Firefish thinks about LTV, margin-call cadence, and the three warnings before liquidation, and why $160 million in non-custodial loans across 27,000 users in 70 countries is the proof a Bitcoin-native lender can scale. Subscribe so you never miss an episode.

We sit down with Bridget Winston to unpack what separates a real Chief Revenue Officer from a bookings-focused sales leader, and why the org chart tells you the truth faster than the job title. We get practical about SaaS metrics, AI-driven go-to-market, and the leadership habits that keep teams performing as the playbook keeps changing.• Evaluating a CRO remit by reporting lines and revenue accountability• Using GRR and NRR to diagnose product-market fit and ICP clarity• Treating revenue as a lagging indicator of customer centricity• Preparing for LLM-driven discovery with brand, PR, and earned media• Testing AI tools that shrink territory and quota planning cycles• Shifting budget from paid ads to community-led growth and local events• Turning customer testimonials into repeatable social proof loops• Managing humans and AI agents with specific, camera-ready feedback• Fixing incentives and systems before blaming the team• Creating urgency with day-five impact expectations instead of tired 30-60-90 plansYour org chart can tell you whether you're hiring a true Chief Revenue Officer or just renaming a VP of Sales. We sit down with Bridget Winston, CRO at Patient Now and a three-time CRO, to get brutally clear on what revenue ownership actually means and why “bookings” is a dangerous north star when retention and expansion are what compound.We dig into the SaaS metrics that expose reality fast: GRR, NRR, LTV to CAC, and how boards interpret dashboards when product-market fit and ideal customer profile are still shaky. Bridget shares a sharp reframing that stuck with us: revenue is a lagging indicator of customer centricity. From there, we zoom out to the “SaaS-pocalypse” conversation and what happens to pricing, planning cycles, and revenue per employee as AI turns some companies into dinosaurs and others into cheetahs.Then we get tactical about the LLM era of B2B discovery. If buyers are finding software through ChatGPT-style answers, Reddit threads, G2-style reviews, and YouTube, we need consumer-grade brand building, PR, and community-led growth that creates earned media AI can't ignore. Bridget also breaks down AI tools she's used to compress territory planning and quota work from months to weeks, plus AI coaching that improves call quality and handoffs without blowing up day-to-day operations.We even take a fun detour into Spark Tank wine trivia, then bring it back to leadership: how to give feedback with real specificity, fix systems before blaming people, and set expectations for day-one impact. Subscribe, share this with a revenue leader, and leave a review so more builders can find the show.Bridget Winston:  https://www.linkedin.com/in/bridgetwinston/Bridget Winston is the Chief Revenue Officer at PatientNow, leading go-to-market and customer-facing teams across a rapidly growing vertical SaaS platform in the fast-expanding $20 billion aesthetics and wellness industry.  A three-time CRO with over 20 years of experience, Bridget was formerly the CRO at Chief, where she led membership growth and helped the company reach a $1.1 billion valuation. During her tenure, Chief was recognized by TIME as one of the 100 Most Influential Companies and by Fast Company as one of the Most Innovative Companies. Before that, Bridget served as the CRO at Shutterstock, growing revenue to $300 million.Website: https://www.position2.com/podcast/Rajiv Parikh: https://www.linkedin.com/in/rajivparikh/Email us with any feedback for the show: sparkofages.podcast@position2.com

Liftoff finally went public this week — at a valuation that tells you exactly what the public market thinks mobile ad networks are worth. That's just one of four stories this week that genuinely matter if you run UA.Matej Lančarič flies solo for the breaking news segment, ranked from biggest to most practical. Liftoff listed on Nasdaq as LFT after a second attempt, raising $437M at a $3.83B valuation — a 25% haircut from the $5B it wanted in January, and below the private valuation General Atlantic paid in 2025. A Niko Partners report buried a number most Western publishers still aren't modeling: minigames are now almost 20% of mobile game spending in China. Akin launched AMF Capital with Makers Fund, opening with a $28M UA financing facility for Birhack. And the throughline of the week — mobile has officially shifted from core-first to event-first, with Monopoly Go's Simpsons crossover, Rovio's own admission, and Supercell's MoCo reboot all pointing the same direction.The bar keeps moving up. The industry is consolidating around scale, capital, and live-ops.━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━⏱️ TIMESTAMPS00:00 Supercell reboots MoCo's live-ops00:30 Liftoff goes public at $3.83B — the IPO breakdown03:00 China minigames are now 20% of mobile spend05:30 AMF Capital launches with a $28M UA financing deal07:00 Mobile shifts from core-first to event-first09:00 What event-first actually means for your UA

Connect with the Investor Mama Tribe Jessie Lang started investing in real estate by “house-hacking” over 10 years ago, and has since grown a substantial rental portfolio that she manages with the help of a small, remote team. In the last 36 months, she’s grown from 11 doors (bought the wrong way with 20% down), to 70 doors and counting. She's laser focused on the BRRRR method, which allows her to put her money to work over and over to create generational wealth. She partners with private lenders to buy real estate with none of her own money, all while providing them double digit returns on their investment! Jessie has created a free mini-course—how to buy 1-3 rentals per month on autopilot (even if you don’t own a property yet, don’t have 20% down, and think rates are too high). When she isn't managing rentals or coaching, she is traveling with her wife Laura, spoiling her 5 (yes 5!) pets, and getting her hands dirty in DIY house projects and gardening. Key Takeaways: Start with $3,000 and a spare bedroom. You don’t need a big down payment to begin. Jessie’s first property was an FHA loan with $3K down. If you already own a home, renting out a room covers your mortgage and plants the seed. Action: Look up FHA loan requirements in your area this week. Find one local real estate meetup and show up. Every contractor, lender, wholesaler, and boots-on-the-ground person Jessie relies on came from networking in person. You don’t need to know anything yet — just go. Action: Search “real estate meetup [your city]” or BiggerPockets forums to find one happening this month. Download a free property management app before you even have a tenant. TenantCloud is free and builds the habits and systems you’ll need from day one. Don’t wait until you’re overwhelmed. Action: Sign up for TenantCloud today so the infrastructure is ready when you need it. Run the BRRRR  (buy, rehab, rent, refiance, repeat) numbers on one deal — even a fake one. Practice underwriting: find a distressed listing on Zillow, estimate rehab costs, and see if it hits the 75% LTV threshold after repair value. You learn by doing the math. Action: Pick one listing this week and walk through Jessie’s formula ($100K purchase + $40K rehab + $10K holding = $150K all-in, needs to appraise at $200K). Hire your “boots on the ground” before you make an offer. If you’re investing outside your market, line up a neutral third party first — someone from a local Facebook group or BiggerPockets subforum who will be your eyes and ears for $50–100 a trip. Action: Post in the BiggerPockets forum for your target market and ask if anyone does property walkthroughs for remote investors. Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Jessie Jessie’s Free Mini Course on How to Buy Your First Rental Properties LinkedIn Facebook Instagram Rentals Made Easy: Unlock the Proven Step-by-Step System to Build Wealth Through Rental Properties by Jessie Lang

DSCR refinance deals do not fail by accident. They fail because nobody stress-tested the numbers before the hard money loan was signed.In this episode, I break down a real Cleveland duplex deal. The investor maxed their hard money at 75% LTV. Appraisal came in $15,000 light. Reconsideration of value failed. Now their only exit is a sale. No DSCR refinance. No cash out. No options left.This is happening right now in markets across the country. If you are using hard money or bridge loans to fund your fix-and-flip or buy-and-hold deals, this episode is both your warning and your roadmap.In this episode:— Why 75% LTV kills your DSCR refinance before it starts— How a $15,000 appraisal miss wipes out every exit strategy— The 15 to 20% fudge factor every investor needs in their budget— Why you should never go above 65% LTV on any investment property loan— How to stress test your ARV before you sign anything— What to do when your comps do not match your lender's appraisal— Why multiple exit strategies are never optionalIf this saved you from a bad deal, share it with a fellow investor. More tools and resources at trutalk.co

What does a decade of organic growth at one of fintech's most successful companies actually look like?In this episode of The Growth Leaders Series, Charlie Marchant sits down with Fabrizio Ballarini, Head of Organic Growth at Wise, the multi-billion dollar global money transfer platform operating across 160+ markets.Fabrizio shares the thinking behind Wise's famous growth philosophy: going as broad as possible, as fast as possible, and then refining what works. He breaks down the story of the currency converter that became one of the most powerful organic acquisition tools in fintech, how a single page generated 1 million clicks in one month, and why Wise continues to build acquisition for products that don't yet exist.The conversation gets into the AI Search question head-on: what it really means for an established brand like Wise, why traffic is still at an all-time high despite the hype, and where the genuine risk lies. Fabrizio also talks about the LTV forecasting models that changed how the team evaluates content, why he rarely kills pages that aren't converting, and what he'd tell his younger self about growth.Follow Fabrizio on LinkedIn:  https://www.linkedin.com/in/fabrizioballarini/Read the show notes:https://exposureninja.com/podcast/growth-leader-series-fabrizio-ballarini/New episode launches every Wednesday throughout June 2026, so stay tuned to hear from growth leaders from leading brands like McKinsey and Company, Profound, and AirOps! Book a consultation to get a live review of your website and marketing

Most teams treat influencer marketing as a series of one-off campaigns. The ones who actually scale treat it as a system — one continuous testing framework that runs from your first nano creator all the way to a Mr. Beast integration.Marion Balinoff returns for episode two of the influencer marketing series, going one level deeper than the foundations. Drawing on 12 years building influencer programs across 15+ studios and eight-figure budgets, this episode lays out the complete testing framework: the three-phase path from knowledge-gathering to scaling, how to read the vertical assessment table, the CPM/conversion/LTV diagnostic for fixing what's broken, the gift-code and giveaway mechanics that move conversion without killing LTV, and the custom in-game integrations that lifted conversion 437% on average. If you watched episode one, this is where the foundations become a machine.The single most important mindset shift: you're not buying reach, you're buying learnings. Volume isn't the goal - data density is.━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━⏱️ TIMESTAMPS00:00 Why influencer marketing is a system, not a campaign01:30 The three-phase framework: gather, optimize, scale02:40 Influencer size — why 8% of channels drive 63% of views03:40 The vertical assessment table and the three thresholds06:00 The CPM / conversion / LTV diagnostic08:30 Gift codes that doubled ROI (and the starter pack that killed LTV)13:00 Custom in-game integrations — 437% conversion lift16:30 The five key takeaways and the 12-month timeline

Is your retention making or breaking your lifetime revenue? After the first purchase, most e-commerce brands go quiet — or start blasting discount codes. But the brands that win long-term treat every purchase as the beginning of a relationship, not the end of one. In this episode of Data Beats Opinion, SegMetrics founder Keith Perhac sits down with Ishita Agarwal — founder of Tapp — to dig into why retention is the biggest untapped lever in business, why CAC math is breaking for most brands, and what it actually looks like to turn one-time buyers into loyal fans. What you'll discover: Why your retention tools are only working for 10% of your customers — and what to do about the other 90% From customer to member: the post-purchase mindset shift that changes everything Why discount codes are the wrong retention lever (and what drives real brand loyalty) The CAC math that's quietly bankrupting e-commerce brands — and the LTV fix most brands are ignoring How NFC tags outperform QR codes by 40x — and why physical packaging is an underrated engagement channel About the Guest: Ishita Agarwal is the founder of Tapp, a post-purchase engagement platform that helps e-commerce brands turn one-time buyers into loyal fans. With roots in M&A consulting and emerging technology, she went on to study design and behavioral science at Stanford before zeroing in on the post-purchase gap in commerce. Ishita brings a tech-world playbook — onboarding flows, habit loops, and gamification — to the e-commerce brands that need it most. Connect with Ishita at thetapp.io or on LinkedIn. About SegMetrics: Why Choose SegMetrics?  Instant clarity on what is and isn't working in your business Full-funnel analytics that lets you optimize every marketing touch point for revenue Unify your cross-platform data into a single source of truth Better data → Smarter decisions → Faster growth. Accelerate your growth with SegMetrics. Get Started Today: Learn how SegMetrics can uncover your hidden profits: https://segmetrics.io/ Start a 14-day free trial: https://segmetrics.io/pricing Book a demo: https://segmetrics.io/book-a-demo Chapters (00:00:00) - Meet Ishita Agarwal(00:01:15) - How she got into e-commerce(00:04:59) - Why retention is so broken in e-com(00:07:08) - The math isn't mathing — CAC vs LTV(00:09:01) - Customers vs members(00:11:14) - What Tapp actually does(00:14:38) - Engagement numbers and what they mean(00:17:01) - NFC tags and the omnichannel opportunity(00:20:14) - What brands do with the data(00:22:06) - How personalization works over time(00:27:36) - How engagement turns into sales(00:28:55) - The rewards model (and why discounts don't cut it)(00:32:03) - Stories that make it click — Solidcore and Nintendo Club(00:36:05) - Connecting with customers through Amazon's black box(00:40:20) - The biggest mistake brands make(00:45:42) - The Weber Grill principle(00:47:32) - Where to find Ishita

In this episode, Scott Carpenter and Andy “Boy” Miller break down one of the biggest marketing mistakes fitness business owners make: choosing between short-term marketing and long-term brand building instead of using both together.Short-term marketing is direct response — ads, offers, lead forms, consultations, and campaigns designed to get someone to take action now.Long-term marketing is your brand — your reputation, your content, your website, your social media presence, your personal brand, your authority, and the trust you build over time.Scott and Andy explain why direct response can bring in leads now, but can become expensive if your audience is cold and your brand has no foundation. They also explain why brand marketing may not always create immediate sales, but it can dramatically improve your conversions, reduce your acquisition costs, and make people more likely to buy when they are ready.They also cover key marketing numbers every fitness business owner needs to know, including customer acquisition cost, return on ad spend, lifetime customer value, and front-end cash flow.This episode is especially valuable for gym owners, online coaches, chiropractors, and fitness entrepreneurs who want to stop guessing with marketing and start building a strategy that creates both immediate opportunities and long-term growth.Need help building out your marketing plan? Book a 1-on-1 consultation here: https://ptlegends.com/30minadvisorcallKey Takeaways:Direct response marketing gets people to take action now.Brand marketing builds trust, recognition, and long-term demand.Cold traffic is harder to convert when people don't know your brand.Your content, website, and social media help people decide whether they trust you.Personal branding can create more reach than business pages alone.Knowing your CAC, CPA, ROAS, and LTV helps you scale marketing with confidence.Brand marketing and direct response marketing should feed each other.Organic content can create high-ticket opportunities without ad spend.Awareness ads can help grow your audience affordably.The best marketing strategy uses both immediate sales activity and long-term brand building.Like, subscribe, and share this episode with a fitness business owner who needs a better marketing strategy.

Dan opened the session by noting that a billion-dollar Prairie farming operation had entered creditor protection -- and that nearly 40 farms were in or near distress that year. Robert Andjelic had received roughly 40 calls from farms across Manitoba, Saskatchewan, Alberta, and elsewhere, all with a common thread: lenders were tightening, some operators could not access input credit, and they wanted to sell land and rent it back while keeping their equipment running and their family farming. Robert completed four of those transactions. He was direct about the others: they either did not fit his land criteria or could not be executed on terms that made sense. The session poll showed roughly half the room believed the current stress is both structural and cyclical -- a hard stretch exposing cracks that were already forming. Robert provided a compressed history of farm size in Canada, from 1925 when 10,000 acres was considered enormous, through the post-2000 acceleration driven by GPS auto-steer, massive air seeders, zero-till, low interest rates after 2008, normalized leasing, and aging operators. His conclusion: one modern operator now does what five to ten farm families previously required, and that trajectory will continue. Tim Hammond placed the hardest growth window at 2,500 to 6,000 acres -- the point where a family operation transitions from one set of implements to multiple, and from family labor to hired crews with all the human resource and financial management that demands. After 6,000, Tim argued, the next logical step is to think in enterprise pods -- another 6,000 acres, another labor module -- rather than organic farm growth. Robert's position: there is no correct size. He has tenants farming 1,000 acres who are as profitable as his 30,000-acre operators. His own loan-to-value sits below 24 percent because he built over 60 years when land was cheap. Cap rate on Prairie land purchased today: 1.5 to 3 percent, maybe 3.5 if the seller needs cash. He was blunt about marketing: "A lot of producers are very good at producing but they are shit poor in marketing," and that gap -- benchmarked by MNP at roughly $70 per acre -- is a large part of what separates farms that survive downturns from those that do not. The sharpest exchange of the session came when Dallas LeDuc joined. He is the fire chief of RM 44, a small rural municipality where Robert is likely the largest landowner. Dallas had recently stopped spraying to respond to a fire on land Robert owns. He argued that absentee landlords should pay a modestly higher property tax rate -- not punitive, maybe 10 to 15 percent higher -- to fund the fire trucks, training, and equipment that local volunteers maintain and use to protect land the landlords will never physically see. Robert's counter was structural: his tenants are local and respond to fires; making tax exceptions for agriculture creates red flags with institutional lenders; and the most important thing he does for Prairie producers is not visible -- it is the 12 to 13 years and more than $50,000 he has spent flying to Toronto to sit with bank decision-makers and explain to them that agricultural lending does not work like commercial real estate. His argument: when a lender in Toronto extends patience to a distressed farm instead of foreclosing, every producer in Western Canada benefits -- and no individual operator has the leverage to make that case to the head offices the way he can. Dallas was not persuaded. He closed with the line that his great-grandfather left France in 1904 to get away from doctors and lawyers owning the land, and he is afraid that is exactly where the Prairies are heading. Key Topics Farm credit stress in Western Canada 2026: nearly 40 farms in distress; Robert Andjelic received 40 calls from operators wanting to sell and rent back; completed 4 transactions Live session poll: roughly 50 percent of audience said the current crisis is both structural and cyclical History of farm scale in Canada: 1925 to today -- from 10,000 acres enormous to 50,000-plus now common What drove post-2000 farm growth: GPS auto-steer, massive air seeders, zero-till, post-2008 low interest rates, aging operators, normalized leasing Tim Hammond's growth framework: hardest growth is 2,500 to 6,000 acres; after 6,000, think in enterprise pods Robert Andjelic's cap rate reality: Prairie land bought today yields 1.5 to 3 percent; his own LTV is below 24 percent built over 60 years "A strategy is what you say no to" -- Tim Hammond on the discipline of farm scale decisions Marketing gap: roughly $70 per acre difference between producers who market well and those who do not (MNP benchmark referenced) Absentee landlord taxation debate: Dallas LeDuc (fire chief, RM 44) vs. Robert Andjelic -- rural community burden vs. capital market access argument Robert Andjelic's Toronto bank work: 12-13 years, $50,000+ in meetings, translating agriculture to commercial real estate lenders Kevin Hursh on retiring farmers: those who rail against big farms all their lives tend to sell to the biggest neighbour when retirement comes; breaking land into smaller parcels would give next-generation operators a chance Robert's macro thesis: higher commodity prices incoming due to Strait of Hormuz disruption, fertilizer supply constraints, and a potential super El Nino cycle Family farm vs. corporate model: Tim Hammond -- corporate farms must learn family commitment; family farms must learn corporate structure; the marriage of the two is the future Connect Kevin Hursh -- Western Producer columns; hursh.ca Robert Andjelic -- farmland.ca Dallas LeDuc -- Bunnyhug Farmers Podcast; TikTok growingthefuture.ca Register for the Convergence Conference at convergence.ag and stay updated by subscribing to the Growing the Future Podcast at growingthefuturepodcast.ca.

The pricing model that built the SaaS industry is being replaced in real time. Is your finance team ready for what it does to your core metrics? In episode #374, Ben Murray breaks down the four SaaS P&L metrics that break when per-seat pricing dies. Public tech leaders are already shifting fast. ServiceNow now drives 50% of net new business from non-seat-based pricing, Workday is reporting hundreds of millions in AI ARR, and GitHub is moving Copilot to usage-based billing. If you are a SaaS CFO or finance leader still modeling on a single blended gross margin, your benchmarks are about to stop working. Why the AI product gross margin sits around 52% and how a 30% revenue mix shift can compress your blended margin by 10 to 15 points How AI COGS scale directly with product usage, breaking the near-zero incremental cost assumption traditional SaaS finance was built on Why one blended LTV no longer works once you have heavy, medium, and light AI usage cohorts, and how to rebuild LTV to CAC by cohort How CAC payback period shifts when gross margin is no longer a single number across the customer base The new frameworks finance teams need to model hybrid subscription plus usage and outcome-based pricing before the board notices the margin compression Tune in to get ahead of the pricing shift before your next forecast and board deck go out. Resources Mentioned Ben's blog post on the SaaS pricing revolution: https://www.thesaascfo.com/saas-per-seat-pricing/ Ben's AI course for SaaS finance leaders: https://www.thesaasacademy.com/ai-finance-metrics-saas

Marketing leadership has become one of the most volatile seats in business. CMOs and marketing leaders are often expected to create immediate pipeline, prove instant ROI, fix deeper business issues they did not create, defend brand investment, align sales, understand customers, translate strategy across the organization, and still become one of the first functions questioned, blamed, or cut when growth slows. In part one of this master class conversation, Matt Hummel, CMO of Pipeline360, brings a clear reminder back to the table: great marketing starts with trusting the buyer, knowing the customer, and simplifying how you market. In a market obsessed with performance data, attribution, automation, dark social, buyer signals, and immediate results, more complexity does not automatically create better customer understanding. For aspiring CMOs, current CMOs, marketing leaders, founders, and business owners, this conversation is a valuable look at how to lead marketing without getting trapped in the pressure cooker. It challenges you to rethink what it really means to put the customer at the center, not as a tagline, not as another automation workflow, and not as another dashboard filled with signals, but as a deeper responsibility to understand the person, pressure, timing, risk, and decision behind the purchase. The conversation moves through buyer trust, brand versus demand, customer empathy, attribution, sales alignment, CMO pressure, market timing, and the difference between chasing pipeline and building LTV. It is also a reminder to get out of your lane, understand product, spend time with sales, listen to customers, and learn how the whole business works. Because the best CMOs are not just campaign operators. They are translators, mediators, trust builders, and business leaders who know how to connect marketing to revenue, customer experience, and long term growth. Beyond The Episode Gems: Connect With Matt Hummel on LinkedIn Listen To Troy On Matt's Podcast, Pipeline Brew: The Evolving Role of CMOs & Community Building Visit Pipeline360 website to learn more about how they solve B2B marketers' biggest headaches Buy Troy's Book, Strategize Up: The Blueprint To Scale Your Business StrategizeUpBook.com Discover All Podcasts On The HubSpot Podcast Network Get Free HubSpot Marketing Tools To Help You Grow Your Business Grow Your Business Faster Using HubSpot's CRM Platform Support The Podcast & Connect With Troy:  Rate & Review iDigress: iDigress.fm/Reviews Follow Troy's Socials @FindTroy: LinkedIn, Instagram, Threads, TikTok Subscribe to Troy's YouTube Channel For Strategy Videos & See Masterclass Episodes Need Growth Strategy, A Keynote Speaker, Or Want To Sponsor The Podcast? Go To FindTroy.com  

Blue Origin's New Glenn blew up on LC-36 last night during a static fire test, Starship flew its 12th flight, and NASA had a series of updates on its Moon Base program, including LTV awards, launch and landing contracts, and a somewhat unexplained branding exercise. This episode of Main Engine Cut Off is brought to you by 32 executive producers—Lee, Steve, Josh from Impulse, Kris, David, Miles O'Brien, Tim Dodd (the Everyday Astronaut!), Jan, Donald, Frank, Better Every Day Studios, Stealth Julian, The Astrogators at SEE, Ryan, Matt, Warren, Will and Lars from Agile, Pat, Fred, Joonas, Theo and Violet, Russell, Joel, Natasha Tsakos, Joakim, and four anonymous—and hundreds of supporters. Topics Here's why the failure of Blue Origin's New Glenn rocket is so catastrophic - Ars Technica NASA takes steps toward building Moon Base, including discussing a "perimeter" - Ars Technica NASA selects four companies for initial moon base awards - SpaceNews The Show Like the show? Support the show on Patreon or Substack! Email your thoughts, comments, and questions to anthony@mainenginecutoff.com Follow @WeHaveMECO Follow @meco@spacey.space on Mastodon Listen to MECO Headlines Listen to Off-Nominal Join the Off-Nominal Discord Subscribe on Apple Podcasts, Overcast, Pocket Casts, Spotify, Google Play, Stitcher, TuneIn or elsewhere Subscribe to the Main Engine Cut Off Newsletter Artwork photo by NASA/Bill Ingalls Work with me and my design and development agency: Pine Works

It's been a very difficult past 11 days and throughout the tears and frustration and guilt seeing our 1 year old battle her illness but this time has also given me time to think about what we've built over the past 8 years (and sold if you didn't know) and the freedom building a sellable business gives you. I'll be breaking down what's been going on with our family while still given you a framework around why LTV is so important in your business.   Time Stamps:   (0:20) Our Daughter Marlee (1:45) The Story (5:38) Building Work Around Your Life (8:29) IFCA Has Been Acquired (13:44) Fostering Community (14:45) IFCA Client Examples (16:35) Our Upcoming Masterclass ----------------

Sean Hannity has been on Fox News for 30 years. He has been on radio since 1987. He has spoken to presidents, gone to war with the media and come out on top every time. And in this conversation he said more than he has ever said publicly. In part one we get into why he deletes every text message he sends and has no cloud account, what he told Trump directly after the Rob Reiner comments, how he called Trump with Melania on speaker and told him nobody needs to hear every thought that goes through his head, why he started working at eight years old and never stopped, what it was like to raise himself because both parents worked around the clock, the bartending job he had at 17 that was keeping him out until 4AM during his senior year of high school, how he missed 37 days of school in one semester without his mother knowing, his take on masculinity and why he believes a man should be the provider, and why he called this conversation one of the most honest he has had in three decades of media. Part 2 coming soon. Sponsors: Use my link to sign up and receive a $100 funding bonus when you create and fund your account: https://www.itrustcapital.com/go/sagesteele Start your plan today and you'll get FREE meat included with every order PLUS $100 off your first three orders with my code, SAGE: https://www.goodranchers.com/ Provide one life-saving ultrasound for just $28 at https://preborn.com/sage. Hydrate your liver at the cellular level with LTV. If you're tired, bloated, or feel like water isn't working anymore, this could be the fix. Get up to 64% OFF for a limited time at http://drinkltv.com/Sage Chapters: 00:00 Intro 01:09 Why Sean Hannity Deletes Every Text and Has No Cloud Account 02:23 Sean Hannity's 1,500 Texts With Manafort Went Public. That Was the Last Straw. 05:10 Sean Hannity's Friendship With Trump and the China Trip 06:35 Sean Hannity Called Trump With Melania Listening and Told Him to Stop 10:57 The MAGA Fracture and Sean Hannity's Prediction for 2028 11:28 Sean Hannity Knew Sage Was Getting Engaged Before She Did 19:28 Why Successful Women Scare Men With No Confidence 21:46 Sean Hannity Says Men Should Be Providers. He Doesn't Care Who Gets Mad. 22:55 Two Famous People in One Marriage and Why It Takes a Secure Man 28:30 Fans Tell Sean Hannity They Go to Bed With Him Every Night 42:49 Sean Hannity Started Working at Age Eight. Here Is the Full List. 46:52 Sean Hannity Raised Himself. Both Parents Were Always Working. 52:44 Bartending at 17 Until 4AM on School Nights 54:41 Sean Hannity Missed 37 Days of School in One Semester 56:16 His Mom Drove Him to School Every Day. Sean Hannity Hitchhiked Home. 58:26 The Dean Handed Sean Hannity a Cigarette and Made a Deal 01:02:01 Sean Hannity's Dad Used the Belt. Sean Hannity Never Spanked His Kids. 01:08:18 Sean Hannity Became the Worst Helicopter Parent Despite Having No Rules Growing

Most brands underestimate how much personalized retention strategies can transform their growth — Zach Fromson, Co-Founder at Lilo Social, uncovers the overlooked levers brands must pull now to supercharge customer lifetime value and build a sustainable business.In this eye-opening episode, Zach, a top Klaviyo Elite partner and co-founder of the full-funnel agency Lilo Social, reveals how brands are leaving money on the table by sticking with linear, one-size-fits-all retention approaches. Instead, he dives into the nuanced science of journey mapping, channel-specific insights, and the strategic use of data — showing exactly how to craft experiences that foster loyalty, increase LTV, and outsmart rising CACs.You'll discover the real reasons most brands aren't fully leveraging their retention potential — from capacity gaps to a lack of education around journey mapping and automation. Zach shares concrete frameworks for understanding customer behavior across subscription, durable, and one-time purchase spaces, and how to build customized, context-driven workflows that move beyond generic promos. Learn how to measure success through metrics like time to repurchase, AOV, and cohort analysis, proving that a granular, tailored approach isn't just smart — it's essential in today's competitive landscape.We also break down emerging channels like SMS and innovative tools such as Google's RCS — and how early adoption can give you a crucial edge before saturation. Zach reveals how the most forward-thinking brands are integrating these new modalities to deepen engagement, gather richer data, and create immersive shopping experiences. Plus, get his take on the broad impact of AI on agency workflows and how to future-proof your team.If you're a founder, marketer, or e-commerce owner tired of playing it safe with generic strategies, this episode is your blueprint to unlocking exponential growth through smarter retention. Don't be the brand left behind in the noise; adapt, innovate, and thrive — Zach shows you exactly how.Want to learn how to make your retention efforts more personalized, simple, and surprisingly effective? This episode is your first step toward conversion mastery. Reach out to Zach at LiloSocial.com or connect on LinkedIn — your next big move starts here.

“You don't have to be first to be the best.” What does it take to scale a brand from $20M to $140M in just 12 months?  Luka Kvatchrelishvili (CMO, True Sea Moss) joins hosts Connor Rolain (Head of Growth, HexClad) and Connor MacDonald (CMO, Ridge) to break down how he took a bootstrapped, product-led superfood brand … and scaled it into a nine-figure DTC powerhouse. Luka shares his path from practicing law in Georgia to drop shipping foosball tables to leading a 33-person marketing team. The conversation digs into how Luka diagnosed and fixed True Sea Moss' data infrastructure before touching a single ad, and how a surge in creative volume gave way to a more methodical, outcome-driven testing system. He also gets into the halo effect between Meta spend, Amazon, and retail performance; the power of the LTV-to-CAC cohort report; and how True Sea Moss went from Telegram groups and Trello boards to a marketing-led operation scaling toward half a billion.  Powered By Motion Creative Benchmarks 2026 https://motionapp.com/thumbstop-pulse/creative-benchmarks-2026?utm_campaign=marketing-operators&utm_medium=sponsor&utm_content=creative-benchmarks-2026&utm_source=marketing-operators-podcastSaras Analyticshttps://bit.ly/9OP-Ytdesc Haushttps://www.haus.io/operatorsRichpanelhttps://9ops.co/richpanelAftersellhttps://9ops.co/4i3bb5Operators Newsletterhttps://9operators.com/

Episode Title: Marks on the Market: What's Really Going On in Private Credit? | Kyle Brown  Hosts: Richard Cunningham, John Coleman, Luke Roush Guest: Kyle Brown, CEO, Trinity Capital (TRIN) Key Topics: The private credit market has grown 6X in the last decade — but headlines conflating software-sector turbulence with systemic credit risk are getting the story wrong How 90% of institutional allocations have flowed to just 12 companies and 50 funds, creating compressed spreads, race-to-the-bottom pricing, and concentrated risk in mega-cap private credit Why Trinity Capital's ~20% loan-to-value and ~1x ARR attachment rate on software leaves them well-positioned compared to over-leveraged competitors The AI infrastructure picks-and-shovels play: how Trinity is financing GPUs and power-generation equipment on 24–36 month fully amortizing loans to sidestep speculative overbuild risk Software incumbency in the age of AI — why enterprise systems of record are far more resilient than headlines suggest, and where the real vulnerability lies (point solutions) The US macro outlook: GDP at 2%, unemployment near long-term average, global capital flowing to America — and why all three hosts remain constructively bullish Direct Quotes from Kyle Brown: "Private credit over the last 10 years has grown 6X. It's projected to continue growing at a rapid pace. It's being confused as one big monolith and it's really not that at all. It's a massive and robust diversified marketplace now." "The thing that we're missing out on and that we need to add to that balance sheet is our oodles... Because when you're on your deathbed, you're not talking about that great IRR you made on that stock investment or what you did in your IRA. You're telling stories." "We're in the middle of a technological revolution and it's just a shame that culture wars and some of the stuff that is going on is getting in the way of what is really an amazing opportunity for anybody who wants to go and do something, who has an idea, who wants to build." Episode Description: Kyle Brown, CEO of publicly traded Trinity Capital (TRIN), joins Richard Cunningham, John Coleman, and Luke Roush for the May edition of Marks on the Market — and he brings a clear-eyed diagnosis of what's actually driving private credit volatility, what the headlines are getting wrong, and how Trinity has navigated one of the most turbulent environments in the asset class's short history. The conversation opens with a deep dive into the structural forces reshaping private credit: a 6X decade of growth, 90% of institutional money concentrating in fewer than 50 funds, zero-interest-rate-era cost of capital that no longer exists, and a retail investor base encountering alternatives market gates for the first time. Brown explains why software-sector fears — while not entirely unfounded — are being misread as a system-wide credit crisis, and how Trinity's conservative underwriting (averaging ~20% LTV across the portfolio) positions them very differently from over-leveraged peers. From there, the conversation pivots to AI infrastructure investing, the US macroeconomic outlook, the US-China summit, and — in a closing rapid-fire segment — what God has been teaching each host and guest in His Word. Brown closes with a meditation on "oodles," his invented economic unit of enjoyment, drawn from the parable of the rich fool in Luke 12 — a reminder that no balance sheet is complete without the investments we make in the people we love.

Send us Fan MailThe Profit Academy for Interior Designers Doors are Now Open, sign up here:https://www.theprofitacademyforinteriordesigners.com/In this episode of The Business of Beautiful Spaces, Laura Thornton breaks down one of the most powerful numbers in your interior design business: Client Lifetime Value (LTV). Instead of judging a client by a single project, LTV helps you understand what a client is truly worth over time through repeat work and referrals.Laura walks you through how to calculate both Revenue LTV and Profit LTV, using a simple step-by-step method you can apply to your last 10 to 20 clients. You'll learn how to factor in repeat phases, referral value, and profit margin to get a realistic number you can actually use to make decisions.Then Laura explains why knowing your LTV changes everything, especially when it comes to marketing. Once you understand what one ideal client is worth, you can confidently decide what you can afford to spend to acquire a new client, evaluate marketing channels without emotion, and build smarter strategies to attract clients who stay, spend, and refer.Laura also shares a quick action plan you can complete this week to calculate your LTV and set a marketing budget target based on that number.Finally, if you're ready to think like a CEO and build pricing, scope, and profit systems that support long-term growth, Laura invites you to join The Profit Academy for Interior Designers, now available in three tiers:Self-Study Foundation ($699): Learn the framework independently with self-paced trainings, templates, scripts, and worksheets.Signature Profit Systems ($1,299): Get weekly live implementation calls, Q&A support, and cohort accountability alongside the full course.Profit Accelerator ($1,999): The highest level of support, including two private 1:1 mentorship sessions with Laura and personalized guidance to plug profit leaks and move faster.A free way to support our show is by leaving it a five-star rating and review on Apple Podcasts. It's a chance to tell us what you love about the show and it helps others discover it, too.Step-by-step guides, AI Chat GPT Made Simple and Claude Made Simple, start at the very beginning and then walk you through building your own role-based AI assistants, complete with prompts, checklists, and plug-and-play workflows you can implement immediately. Get both guides (and more designer resources) here: https://thebusinessofbeautifulspaces.com/designer-resourcesBe sure to follow along on Instagram @thebusinessofbeautifulspaces + @thorntondesign to stay up to date on what we're talking about next week. If you love our podcast, please, please, please leave us a review. If you have any questions or topic ideas OR you wish to be a guest email us thebusinessofbeautifulspaces@gmail.com or find us on instagram @thebusinessofbeautifulspacesLaura Thornton is the  principle designer of Thornton Design Inc, located in Kleinburg, ON.  Since founding the company in 1999, Laura has been committed to creating a new kind of interior design experience for her clients. Thornton Design is an experienced team of creative talents, focused on curating beautiful residential and commercial spaces in the Toronto, Ontario area and beyond. Now sharing all the years of experience with other interior designers to create a world of collaboration and less competition. The Business of Beautiful Spaces  I @thebusinessofbeautifulspacesThornton Design                                      I @thorntondesign

Subscribe to DTC Newsletter - https://dtcnews.link/signupCharlie Cole watched FTD go from a $1.8 billion publicly traded company to a $60 million bankruptcy auction in eight months. His first day as CEO was March 23, 2020, the first day of national lockdown.Before that he ran digital at Tumi, Samsonite, Lucky Brand, and Shift Nutrition. Today he's interim Chief Digital Officer at Thuma.This episode is a tactical sit-down on what actually drives growth right now in a Meta + AI world.In this episode:Why "creative is the new targeting" is only half the answerThe exact death spiral most DTC brands follow on the way to margin collapse (no sale, semi-annual sale, sale page, sitewide 20%, Amazon, done)How Charlie engineered personas at FTD across customer, consumer, and eventThe florist's choice insight: highest NPS in the category, by 20-40%The 2011 Dr. Oz campaign that nailed funnel congruency before anyone called it thatWhy personalization was a misnomer until about two years agoThe three "swimsuit for vacation" shoppers who should never see the same pageWhy YouTube is still massively underutilized, and why most brands run it wrongThe product question that decides whether any of this mattersWho it's for: DTC founders and operators scaling from $10M to $250M who want to grow without turning their brand into a discount machine.What to steal:Build acquisition around your highest-LTV segments, not your lowest CACTreat creative and landing pages as one system, not two teamsStop letting platforms grade their own homework on attributionAudit where you sit on the discount death spiral before it owns youTimestamps:0:00 Career Journey Into Ecommerce2:48 Inside the FTD Turnaround14:20 How Customer Behavior Changed During COVID23:18 Creative Is The New Targeting36:05 AI's Biggest Ecommerce Unlock43:02 Why Most Brands Test Creative WrongSubscribe 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

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall What really happens when a hard money borrower stops paying? In this episode of the Private Lenders Podcast, Jason and Chris from Hard Money Bankers break down a real-life hard money loan default story — including the underwriting decisions, borrower challenges, foreclosure process, tenant issues, and the lessons every private lender should understand before increasing leverage. This wasn't a bad borrower. It was an experienced repeat client with multiple successful loans who ultimately got squeezed by non-paying tenants, failed refinance attempts, rising carrying costs, and a collapsing exit strategy. Inside this episode: How a performing borrower became a default The risks of higher LTV hard money loans Why refinance exit strategies can fail The hidden risks of tenant-occupied rental properties Cross-collateralization explained Foreclosure and eviction challenges for lenders Protecting your downside in private lending What real default management looks like behind the scenes Most lenders only talk about originations, profits, and loan volume. This episode dives into the part of private lending most people avoid discussing: managing risk when deals go sideways. Whether you're a private lender, hard money lender, real estate investor, or raising capital for lending deals, this episode offers valuable insight into loan underwriting, borrower risk, default mitigation, and protecting capital in today's market. ✅ 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  

Welcome back to the Business of Apparel podcast, your one-stop shop to learn how to launch, grow, and scale your apparel brand! I'm your host, Rachel Erickson. In today's episode, I am thrilled to welcome Brian Finnerty, an experienced entrepreneur and investor behind Galway Bay Golf. We start by taking the popular entrepreneurial advice of "fake it until you make it," throwing it in the garbage, and setting it ablaze! Brian shares why taking the time to honestly build your business eliminates imposter syndrome and empowers you to speak purely from experience. We also dive deep into the strategic side of building a lasting brand. Brian shares the hard-learned lessons from scaling Galway Bay, including why thinking you are your only customer is an apparel founder's biggest "Kryptonite." We also discuss why the best brands don't just create individual "sizzle" pieces, but instead design cohesive, layered systems where every detail is considered. In this episode, you'll learn: The "fake it till you make it" lie and how to cure imposter syndrome. The Founder's Kryptonite: Why you need to realize you are a sample size of one. Why fast social media clicks don't equal lifetime value (LTV). The power of a "Hero Product" and why keeping styles for years builds ultimate customer loyalty. How Galway Bay launched their women's line with a safe 250-piece test drop.

In this UK personal finance Q&A episode, Pete Matthew and Roger Weeks answer six listener questions covering pensions, retirement planning, investing, and mortgages. You will hear practical guidance on topics like using UFPLS and ISAs for gifting, whether dividend income is a sensible retirement strategy, and what to consider before consolidating multiple pensions into one provider. The episode also tackles planning priorities, including how to sense-check your annual financial review, when it is worth switching to a higher-equity pension fund, and how to balance pension contributions versus ISA funding and mortgage overpayments. If you are looking for clear, jargon-free retirement and wealth-building advice in a UK context, this one is packed with real-world considerations and next-step thinking. Shownotes: https://meaningfulmoney.tv/QA50    02:24  Question 1 Hello gents, My wife and I are hopefully about 5 years off retirement starting at 60, and thinking about options for gifting. We are both planning to stay within the basic band, but if plans go well we hope to support our kids while we're still alive with help towards a house deposit or similar. Am wary that a large withdrawal from a DC pot would likely take us into high rate tax. This would be mainly on me as we'd plan to spend my wifes smaller DC pot down during 60-67 to max personal allowance before state pension kicks in. Is there any downside if I immediately draw UFPLS from my DC up to the top of the basic rate threshold, and putting excess into a cash or S&S ISA? That would then build up tax free and be used to fund family gifts (or perhaps replacing a car). my thinking is - the portion we move to ISA is still effectively part of the retirement portfolio - just held in a different wrapper. thanks for your priceless information (for education and information only not guidance!) over the years. long may it continue! cheers, Richard   07:15  Question 2 Hello Pete and Rog, Loving the Podcast having only found it recently.  You're doing great work. I've bought and read your retirement book, signed-up for an intro call with Pete and am thinking about doing your course. In the meantime, and I know this is greedy, I have three questions.  I think they'll be interesting to your listeners, though, so here we go... First, what are your thoughts on funding retirement income completely or mostly from dividends / coupon payments, rather than capital withdrawal?  For me it seems very attractive because I can draw-down the income on a quarterly basis while not touching the capital.  That makes me feel safer from having to sell in a down-market.  I can also expect the capital to grow a bit over time, at least the equity generating dividend element.  That said, I've seen one of the other retirement finance podcasters say that technically it doesn't matter whether you take income or capital. Second, if I adopt an UFPLS approach to my pension and, rather than take a large tax free sum one-off, I take the 25% of each withdrawal as tax free, how does that work in the future in two respects.  First, can the government later change the rules and say that I can no longer take 25% as tax free?  I assume they can, which would be worrying.  Second, does the lifetime £268k limit for tax free cash still apply cumulatively over-time i.e. can I only continue to take 25% of my withdrawals as tax free up until they cumulatively sum to £268k?  Or, am I allowed to take 25% of each withdrawal, even as the fund might grow in value and then the total of these 25%s over say 10-15 years eventually exceeds £268k? Third, I'm aware the age at which you can take your pension is changing from 55 to 57.  I will be 55 in March 2027, so can access my pension under current rules.  But I will not be 57 when the change kicks-in in April 2028, so am I going to then lose access to my pension for a number of months until I then turn 57 in Mar 2029?  I've heard someone say that there might be an exception for people who have already accessed their pension.  I've also heard it depends on whether there are certain protections/terms around the individual pension fund.  Any advice on whether this would be true would be very helpful. Looking forward to hearing your thoughts on any or all of the above. Best of luck with the pod. cheers, Steve 14:52  Question 3 Hi Pete & Roger, Thanks for the advice (go on, name that film) over 2025 and the podcasts. There is a ton of material on you tube covering why pension consolidation is a good thing. How it simplifies the admin. How it makes it easier to track what you have and how it is performing etc. Why wouldn't I want to consolidate all my pensions and what could be the disadvantages of consolidation? Recently I've met with my IFA and for a year now I have been investing heavily into my SIPP. As the IFA he charges for the service he provides and I am happy with that (for now). The charges are low with this provider (Quilter) and it performs well as a medium risk opportunity. My IFA, rightly in my opinion, suggests avoiding keeping my Octopus (previously Virgin) pension as this doesn't offer flexi drawdown and is higher risk than my Quilter SIPP but with only slightly better performance. I have four pensions (SIPP) in total. Now my IFA would of course benefit from me moving all funds to Quilter as he receives a percentage fee on a larger chunk of funds. So that is a warning sign for me as he cannot really be impartial. At the moment I can track my pensions online and I do this almost daily, they all have the relatively same performance and together average about 9.6% over the past 12 months. They are all broadly within a single percentage point of each other. I can see the following arguments to avoid consolidation altogether. 1. Tracking multiple pension funds is not actually hard to do. 2. Maybe when it comes to flexi access draw down it gets a bit more complex to get the tax free elements right to be as tax efficient over the long term but the pension companies track the percentages taken so I cannot see this as a big problem either. 3. Having multiple SIPPS allows me see how they perform against each other. Sometimes one is a little more volatile than the others but in actual fact I'd like to see more volatility on one over the other. Makes things more interesting. Of course that might change in later life so I may choose to draw more heavily on the well performing fund with more risk as I reach later life years. 4. Multiple SIPPS allow me to have funds with different levels of risk associated with the investments, so I might choose one fund to have medium risk and another quite high.  5. The big one for me though. Why, why, why would anyone trust a single SIPP provider with all their future wealth? No matter how well it is managed today and the regulations which are in place and the FSCS protection etc, I just cannot stomach the risk in a single point of failure. Why? So the IT platform could collapse making the funds inaccessible either for a short time or for months. Rogue actors inside or outside the company could arguably sabotage the platform. Yes this is highly unlikely but it can happen. Spreading the risk mitigates this. There is a very real concern. Poor management of the funds could lead to a serious downturn in the investments whether that be short term or longer term. Now the underlying funds might underperform but if that is your key worry then you'd simply change the SIPP investments. When I research reviews on the web for anything I look for the pros and cons and decide which opinions seem most sensible to reach a balanced view. However in the case of pension consolidation everyone seems to recommending consolidation, not one article about keeping them separate. Yippee cay aye (same film) and best regards, Andrew   25:05 Question 4 Hi Pete and Roger, Love the podcast. I have just completed my annual review (thanks for the checklist from earlier seasons) and was wondering if you can suggest if there is anything else I should consider or am missing to help position me better financially. For context I am 37 and married with two children under 5. Pension - I contribute to my workplace pension which is 4% and the company contributes 8% (their max). S&S ISA - I invest 5% of take home pay into two vanguard funds monthly. Children S&S ISA - I invest a small sum monthly into each child's S&S ISA, both vanguard target retirement funds for when they turn 21. Emergency Fund - I have 4 months expenses in a cash isa. Life cover - I have a private policy and 8x salary death in service benefit. Critical illness cover - I have both a private and work policy. Income protection cover - Again I have both a private and work policy, work policy is limited to 36months and private policy is to age 65. Mortgage over payments - I overpay the mortgage monthly with aim of reducing LTV and length of term when current fixed rate ends Debt - I have no major debt I think I am in a good position, but wanted to sense check in case I am missing something. Thanks and keep up the good work. Marc Annual Review: https://meaningfulmoney.tv/2023/03/01/simplify-your-annual-review/  28:22 Question 5 Hello to you both, I just wanted to say I really enjoy your podcast and your YouTube channel. My question relates to my Workplace pension. I want to move from the default lifestyled fund into a 100% global equity fund. I also have a SIPP and an ISA that are fully invested in the same global equity fund and I wanted to bring them all into line. I have a salary sacrifice scheme with a 5% employer match and I wanted to take full advantage of that by paying into a better fund. I can't fully transfer without losing the match so I have left it for too long. I am debt free including the mortgage and I have redirected my mortgage payment into my SIPP. My question is, at 47 3/4, is it too late to switch from the default fund? I'd welcome your take on that. Keep up the good work Kind regards, Matt   31:02  Question 6 Hello Pete and Roger, Really enjoy your podcast and find your advice really insightful, many thanks for what you do. My question is about pension planning and specifically about getting the balance right between pension contributions, ISAs and reducing my mortgage. I'm 46 and have saved from an early working age to build up a total pension pot amount of £510k as of today. I have prioritised my pension over other kinds of investments given the tax related attractiveness of pensions and use salary sacrifice as a way of keeping under £100k income - something important for us as a family in terms of qualifying for child nursery support, plus of course in maintaining my personal allowance. I find my job quite stressful and would like to be able to retire in 10 years at 57, or at least take on a lower paid (maybe even minimum wage) or part time role at that time for a few years until retiring fully. My assumption is that to be able to make this a reality it would be wise to build up my ISA, (which as of today totals only £15k), as a tax efficient bridge until nearer state pension age, and to minimise the need to drawdown excessively on my private pension in the early years. Assuming you concur, my question is would I be best to reduce my pension contributions to enable me to put more in my ISA?  Of course this would mean potentially losing/ reducing my personal allowance. The other factor in play here is my mortgage which is higher than I'd like at £380k. Ideally I'd like to increase my level of mortgage overpayments significantly in order to try to reduce the balance as much as possible over the next decade whilst working full time but again this will see me going over the £100k income level in order to do so.  I know I could probably clear whatever mortgage is remaining in 10 years from my tax-free pension amount but I'd like to minimise taking the tax free money in order to help the pot compound as much as possible to take me through to old age but also help support our two girls who are currently just 8 and 3 in their early lives. Your thoughts and advice would be gratefully received. Many thanks in advance and please do keep up the great work you do! Kind regards, Lee

Your practice is stuck because you don't have enough Qualified Leads to take you to the next level.  In this episode, Dr. Stephen and Dr. Pete unpack the first and often most common bottleneck in practice growth: the inability to consistently attract the right people with the right message at the right time. Through the lens of the Theory of Constraints, they reveal why marketing struggles are rarely solved by simply “doing more marketing” and instead require deeper clarity around purpose, messaging, ideal patient profiles, and measurable systems. From refining the market message that cuts through the noise to understanding Marketing Spend, CAC (Cost to Acquire a Customer) and “Buyer Readiness”, this episode provides a strategic framework for chiropractors who want to stop spraying and praying and start building predictable attraction systems that scale influence, income, and patient impact. In This Episode You Will: Understand why attraction constraints are often the hidden bottleneck in practice growth. Discover how purpose, mission, and vision shape effective marketing systems.  Learn how to create messaging that cuts through marketplace noise and increases readiness.  Clarify the difference between random marketing activity and measurable lead generation.  See how metrics like CAC and LTV create confidence, scale, and strategic decision-making.   Episode Highlights 01:44 - Identify how one primary constraint can quietly suppress growth across an otherwise healthy practice. 03:54 - Discover why true transformation begins when education unlocks awareness rather than simply delivering information. 05:28 - Recognize how unresolved attraction constraints keep practices stuck even when effort and intention remain high. 08:16 - Explore why great coaching often reveals hidden solutions that were already within reach. 11:12 - Clarify why the problem behind the problem must be solved before marketing tactics can produce meaningful growth. 14:23 - Uncover how defining an ideal client profile changes the precision and effectiveness of attraction strategies. 16:36 - Examine the three-part messaging equation required to cut through marketplace noise and create urgency. 18:06 - Reveal how trust-building systems increase patient readiness long before a conversion conversation begins. 20:38 - Differentiate between inconsistent marketing activity and the disciplined repetition required to create momentum. 27:31 - Understand why data-driven marketing eliminates stress and creates confidence in scaling patient acquisition. 28:43 - Dr. Rachel is joined by Dr. Kendall Price of Success Partner Elevate Marketing to unpack what it really takes to turn marketing into a true growth system for modern practices. They explore how Elevate moves beyond generic campaigns by blending brand identity with proven strategies, building trust through every step of the patient journey, and optimizing for real outcomes like patient show rates, not just leads. When marketing becomes intentional, relational, and data-driven, growth shifts from unpredictable to scalable and sustainable.   Resources Mentioned To learn more about the REM CEO Program, please visit:  http://www.theremarkablepractice.com/rem-ceo For more information about Elevate Marketing please visit: https://goelevatemarketing.com/ Book a Strategy Session with Dr. Pete - https://go.oncehub.com/PodcastPC Prefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1 To listen to more episodes, visit https://theremarkablepractice.com/podcast or follow on your favorite podcast app.

Stop checkbook managing your real estate business. Fractional CFO Alex Lopez breaks down the KPIs, projections, and tax strategies that scale investors.In this episode of RealDealChat, Jack Hoss sits down with Alex Lopez, fractional CFO and tax strategist at alexlopescpa.com, to unpack the financial blind spots that hold real estate investors back from scaling past seven figures.Most investors nail the CEO role but completely ignore the CFO role. Alex explains why that gap is costing investors money, deals, and growth, and how to fix it without hiring a full-time finance team.Topics covered in this episode:What a fractional CFO actually does and why it's different from a bookkeeper or tax preparerThe "checkbook management" trap that kills businesses at the $800K to $1M revenue markHow to set up KPIs that actually define success or failure in your investing businessWhy projecting at least one quarter ahead is the single habit that separates scaling businesses from stagnant onesA real example of an investor who built a multi-million dollar portfolio in his 20s by architecting the finances firstHow to use NOI, cap rates, and LTV to back into your portfolio target before you buyWhy conversion rate is one of the most overlooked KPIs and what doubled Alex's own conversionThe ROI on fractional CFO services and why it typically pays for itself several times overHow AI fits into financial operations today (and where it still falls short)Why building SOPs before you need them saves years of stress down the roadThis episode is for real estate investors approaching or past the million-dollar mark who are still managing finances reactively rather than strategically.

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall Cheap Money, Thin Margins & Big Problems What Lenders Can Learn From Spirit Airlines In this episode of the Private Lenders Podcast, Jason Balin and Chris Haddon break down the dangers of competing on cheap money, thin margins, and high leverage — and why those same mistakes can hurt hard money lenders. They discuss: Why low pricing creates long-term problems The risks of high LTV lending How loan defaults expose weak lending models Why volume doesn't always equal profitability The importance of marketing for private lenders Lessons from real foreclosure situations How AI is changing the lending industry The episode also includes key takeaways from the recent Hard Money Mastermind event in Charlotte and insights on building a more sustainable lending business. Whether you're a private lender, hard money lender, or real estate investor, this episode is packed with actionable lending and business strategy insights. ✅ 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  

On the podcast: about making growth everyone's job, protecting the free experience even when it hurts conversion, and why an inconclusive experiment is the only kind he hates.Top Takeaways:

For many eCommerce brands, getting the first sale is not the hardest part. Keeping customers coming back is. In this episode of the Opportunity Podcast, Greg speaks with Matthew Holman, founder of D2C subscription agency Subscription Prescription, about how eCommerce brands can improve retention and increase recurring revenue by adding a subscription component to their business.Matt explains why subscriptions are often misunderstood by founders. Many brands treat them purely as a way to increase lifetime value, but according to Matt, the real opportunity is creating a better customer experience that naturally drives recurring revenue. Good onboarding is key. Matt explains that the first 7–10 days after a purchase are critical because that is when customers decide whether they feel like they are "winning" with the product. Brands that educate customers early, guide them through the experience, and reinforce value tend to see far stronger retention. Greg and Matt also dive into why some ecommerce businesses force subscriptions where they do not belong, the psychology behind multi-month subscription offers, and why value stacking often works better than endless discounting. For founders looking to improve customer retention and grow recurring revenue, this episode is filled with practical insights and real-world examples. Topics Discussed in this episode: What makes a business a good fit for subscriptions  (06:16) When subscriptions do not work for ecommerce brands  (09:30) The weirdest subscription product Matt has ever seen (12:38) What separates high retention offers from those that just churn (14:38) Mistakes founders make when trying to grow subscription revenue (18:56) Building offers that increase retention and LTV  (22:03) How new businesses should test subscription offers (27:29) Matt's recommended testing framework for new subscription offers (32:42) How to attract high-value consumers instead of discount shoppers (36:17) Mentions:  Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our newsletter Matt's LinkedIn TheSubscriptionDoc.com Sit back, grab a coffee, and learn how to reduce churn and increase recurring revenue through subscriptions!

For many eCommerce brands, getting the first sale is not the hardest part. Keeping customers coming back is. In this episode of the Opportunity Podcast, Greg speaks with Matthew Holman, founder of D2C subscription agency Subscription Prescription, about how eCommerce brands can improve retention and increase recurring revenue by adding a subscription component to their business.Matt explains why subscriptions are often misunderstood by founders. Many brands treat them purely as a way to increase lifetime value, but according to Matt, the real opportunity is creating a better customer experience that naturally drives recurring revenue. Good onboarding is key. Matt explains that the first 7–10 days after a purchase are critical because that is when customers decide whether they feel like they are "winning" with the product. Brands that educate customers early, guide them through the experience, and reinforce value tend to see far stronger retention. Greg and Matt also dive into why some ecommerce businesses force subscriptions where they do not belong, the psychology behind multi-month subscription offers, and why value stacking often works better than endless discounting. For founders looking to improve customer retention and grow recurring revenue, this episode is filled with practical insights and real-world examples. Topics Discussed in this episode: What makes a business a good fit for subscriptions  (06:16) When subscriptions do not work for ecommerce brands  (09:30) The weirdest subscription product Matt has ever seen (12:38) What separates high retention offers from those that just churn (14:38) Mistakes founders make when trying to grow subscription revenue (18:56) Building offers that increase retention and LTV  (22:03) How new businesses should test subscription offers (27:29) Matt's recommended testing framework for new subscription offers (32:42) How to attract high-value consumers instead of discount shoppers (36:17) Mentions:  Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our newsletter Matt's LinkedIn TheSubscriptionDoc.com Sit back, grab a coffee, and learn how to reduce churn and increase recurring revenue through subscriptions!

David Bell, co-founder of Idea Farm Ventures and early investor behind Warby Parker, Harry's, and Diapers.com, and CJ break down how consumer investing works. They cover why durable consumer companies require more than clean unit economics, how to apply SaaS-style thinking to businesses without contracts, and why the best opportunities often live in boring gray space.—SPONSORS:EY works with high-growth tech companies to navigate the messy realities of scaling—from regulatory requirements to IPO readiness. By helping teams get it right early and often, EY lets founders stay focused on building while reducing risk as they grow. Learn more at https://www.ey.com/techstartupsSpendHound is a SaaS spend management platform built for finance and procurement teams that want visibility and leverage in every deal. By tracking all your software, benchmarking pricing across thousands of vendors, and surfacing contracts and renewals, SpendHound helps you stop overpaying and negotiate with confidence. Trusted by teams at ZoomInfo and Hootsuite. Get started at https://www.spendhound.com/cjBrex is an intelligent finance platform that combines corporate cards, built-in expense management, and AI agents to eliminate manual finance work. By automating expense reviews and reconciliations, Brex gives CFOs more time for the high-impact work that drives growth. Join 35,000+ companies like Anthropic, Coinbase, and DoorDash at https://www.brex.com/metricsAleph is a modern FP&A platform built for teams that want more than another planning tool. By connecting your ERP, CRM, and other systems into one trusted data layer with AI workflows, Aleph helps you move faster with real-time insights. Get a personalized demo at https://www.getaleph.com/runRightRev is an automated revenue recognition platform built for teams that have outgrown spreadsheets and billing tool workarounds. It handles high-volume subscriptions, usage-based contracts, and mid-cycle upgrades, so you can scale without scrambling at month-end. For RevRec that keeps your books clean, visit https://www.rightrev.com/CJRillet is an AI-native ERP built for modern finance teams that want to replace NetSuite and close faster. With revenue recognition, close management, multi-entity support, and native Stripe and Salesforce integrations, Rillet helps scaling companies run their finance stack in one place. Hundreds of teams, including Windsurf and Mercor, use Rillet to make the zero-day close real. Book a demo at https://www.rillet.com/cj—Mostly Talent: https://mostlymetrics.typeform.com/to/cLTxtAsNGuest: https://www.linkedin.com/in/david-bell-086820/Company: https://www.ideafarmventures.com/CJ: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—TIMESTAMPS:0:00 Preview and intro3:16 Edge: economics and psychology5:21 Best ideas in boring gray space5:41 Functional, emotional, and symbolic value7:08 Grüns gummies and divisibility9:02 Sponsors — EY | SpendHound | Brex12:31 Ideation: personal pain vs. market analysis13:17 Diapers.com and the Starbucks origin story16:00 Warby Parker: asking why16:33 LTV to CAC in D2C18:02 Retention math: 85 to 90% can double LTV19:00 Milkman and recurring vs. reoccurring20:42 Trust economics22:38 Warby stores boost online sales22:58 Sponsors — Aleph | RightRev | Rillet26:12 Away store as advertising27:46 Warby discovery: dots on a map30:10 Home try-on word of mouth value32:09 D2C unit economics mistakes34:55 Innovating on distribution35:50 Touchland in Sephora: right channel, right signal37:00 Capital allocation: margin and low CAC first39:18 Sequencing: people, brand, then inventory40:58 Product vs. brand: the 8x10 thought experiment42:23 Consumer monetization shifts45:45 The gravity framework50:32 Isolation principle: most underused lever52:36 Working backwards from exit at day zero57:23 What if your business isn't venture scale?59:32 Book plug: Founders Gold1:00:25 Credits

In this deal segment episode, Axel sits back down with Justin Dragone — Acquisitions Manager at Aligned Real Estate Partners — to break down Justin's very first personal real estate deal: a 3-unit property on the west side of Manchester, New Hampshire that he sourced via cold call, closed at a $50,000 discount to market, and recently refinanced to pull out equity and roll into his next deal.This episode is a must-listen for any newer investor who's overthinking their first deal — and needs a real-world example of what a solid, sensible, non-flashy first deal actually looks like.Join us as we dive into:How Justin bought the property for $500,000 — roughly $50,000 below what it would have fetched listed with a broker in late 2023Why Justin used conventional local bank financing at 75% LTV — and why that was the right call for a first dealHow all three units turned over within the first couple of months post-closing — and why having a solid management company made that a manageable situationThe unexpected CapEx items that came up: knob-and-tube wiring in the basement, an aging oil tank that needed replacement, and the lesson that units always cost more to turn than they lookWhy Justin hired a property manager from day one on a three-unit — and the philosophy behind valuing his time as an acquirer over saving a management feeWhy the refinance process was far simpler than expected — especially with a local bank that already knew the propertyWhy young investors shouldn't assume age is a barrier to getting a commercial loan — and why local banks underwrite the deal first, not the borrowerConnect with Justin Dragone:Follow him on InstagramEmail him through: acquisitions@alignedrep.comAre you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.Connect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate Partners

This single property created more than $10M in value, but it was the most complex real estate deal we've ever done. We had to put a million dollars at risk to even start the transaction—and it was non-refundable. Multiple buyers, a cross-collateralized property in receivership with a parking lot, a hotel, and office space. This wasn't going to be easy, but it definitely paid off.  Today, I'm peeling back the curtain, showing you the full numbers and story of this commercial real estate case study that proves if you put in the work, the reward is there—and it could be an eight-figure payoff.  I'll walk through how we got this off-market, underpriced property sent to us, how we found buyers to take over the parts of the property we had no interest in, the substantial non-refundable earnest money we had to put down to close, and the hiccup at the eleventh hour that almost completely killed the deal. Plus, I'll share exactly what we did to take this parking garage investment from $31M to $35M to now being worth north of $40 million. This is how we did it. Insights from today's episode: A full real estate case study of the most complex deal we've ever done  Why I put a seven-figure non-refundable deposit on a property that had low chances of closing  How we immediately walked into $4 million of equity from purchase  The value-add improvements we made to grow this property's value by over $10 million  The #1 reason why a broker sent this off-market deal to us before anyone else  How we subdivided and sold parts of the property while we were buying it  Our exact loan structure (LTV, debt, terms) to reduce risk  — Investing in Parking Lots: Real Estate's #1 Overlooked Opportunity | Ep. 977 Charlotte Parking Facility Case Study  Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high-net-worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast. 0:00 Intro 1:38 Off-Market Broker Deal 4:11 You CANNOT Beat This! 5:20 This Could Have Killed It 11:23 $4M in Instant Equity 12:36 Adding Value Immediately