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MOVE SUPPLY CHAINPay less for COGS, get shorter lead times, and improve payment terms in your supply chain with help from Move Supply Chain at https://movesupplychain.com.RICHPANELCut your support costs by 30% and reduce tickets by 30%—guaranteed—with Richpanel's AI-first Customer Service Platform that will reduce costs, improve agent productivity & delight customers at http://www.richpanel.com/partners/ajf?utm_source=spotify.//What if the biggest risk to your brand isn't competition or CPMs - it's how you define success? In this episode, Andrew walks through a practical framework for setting reasonable, operator-grade goals using EOS (10-year → 3-year → 1-year → quarterly), then pressure-testing those goals against your real constraints: product pipeline, supply chain, hiring, onboarding, and P&L design. We dig into why “rocket ship” thinking so often creates chaos: over-hiring, over-buying inventory, and chasing vanity targets - and how durable brands actually grow: methodically, with clear success criteria and a bias toward profitability.You'll learn how to translate vision into numbers; why returning-customer mix lowers CAC% over time; how to engineer margin through supplier work (terms, lead times, BOM interrogation); and when to seize moments without over-leveraging. Real operator cases—Born Primitive, Simple Modern, Natural Dog Company, CTC—illustrate why steady compounding beats aggressive targets that break systems. If you want a calmer calendar and a fatter P&L, this is the playbook.//CHAPTER TITLES:00:01:06 - Using EOS As a Framework00:04:10 - What Is Motivating You & Your Goals (For Your Business)00:07:42 - How Can Your Vision Be A Constraint?00:09:01 - Examples of Great Brands 00:16:16 - Andrew defines a Rocketship Business00:19:10 - Good Businesses Build Steady Overtime00:25:31 - The Secret Sauce Brands Are Using To Grow00:28:33 - Maximizing Key Moments00:30:34 - P&L Design00:32:53 - Don't Let The Promise of A.I. Fool You00:34:49 - Goals for AJF Growth//SUBSCRIBE TO MY PODCAST FOR 2X/WEEKLY UPLOADS!//ADMISSIONGet the best media buying training on the Internet + a free coaching call with Common Thread Collective's media buyers when you sign up for ADmission here: https://www.youradmission.co/andrew-faris-podcast//FOLLOW UP WITH ANDREW X: https://x.com/andrewjfaris Email: podcast@ajfgrowth.comWork with Andrew: https://ajfgrowth.com
Ben Schwartz, MD, MBA, wrote an article recently, and yeah, he makes a really compelling point. Dr. Schwartz wrote, “Ultimately, the most successful care models are those that create value inherently. The goal isn't simply cost arbitrage; it's creating a sustainable system that makes value attainable. Care delivery innovation is about more than optimizing for VC [venture capital] returns or maximizing operational efficiency.” For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. That mention of value and how to achieve it for real—like, actually create a care model that delivers value inherently—is a great segue to introduce the show this week. It's a continuation of our mission/margin theme, and this week, we're talking about the margin part of the “no margin, no mission” cliché. So, taking this from the top, last week—and go back and listen to that show if you have not yet (and you can listen to both of these parts in no particular order; you do you)—but last week, we talked mission. That part about value and creating value inherently? The tie-in here to mission and margin could be a value equation, really. Like, mission divided by margin is how you calculate the value delivered (less carrier spread), but that's a whole other show with Cynthia Fisher (EP457). So, let me introduce my guest this week, who was also my guest last week: Dan Greenleaf, CEO of Duly, which is a multispecialty group in Chicago. So, last week Dan and I talked mission, as I said; but today we're talking margin, which is, again, gonna be the denominator of so many value equations. Last week in that mission show, quick review (or spoiler alert, depending on the order in which you may be listening to these shows), but last week, Dan Greenleaf broke mission, Duly's mission, into four quadrants. The four quadrants of mission being affordability, access, consumer experience, and quality. In this conversation today, the margin conversation, Dan Greenleaf emphasizes that achieving these four quadrants reduces friction for patients and clinicians that leads to not only better care outcomes but also financial sustainability (ie, margin). Margin can therefore be a function of mission. And again, as Dr. Ben Schwartz put it, “Ultimately, the most successful care models are those that create value inherently.” So, here we go. To be noted with one big fat fluorescent highlighter marker, a big part of this mission that comes up over and over again last week, it's about making prices reasonable and predictable and transparent for patients. Financial toxicity is a thing. Financial toxicity not only is clinical toxicity when so many people are delaying needed care. And look, I don't often quote Marjorie Taylor Greene, but recently she was in the New York Times and was quoted as saying, “The cost of health care is killing people.” This is what we should be focusing on. I just read the other day that one-third of adults in this country are currently delaying or forgoing care due to cost. One-third! Not one-third of low income or something like that. One-third of adults in this country are delaying or forgoing care due to fear of cost. In today's world, affordability and price transparency is part of what customer experience means—not just, like, lemon water in the waiting room. This is what struck me the most about the conversation from last week. But wait. Does affordable for patients spell trouble when it comes to the margin part of the operation? Will an affordability mission wreak havoc on margin? Is this business model doomed? Is there even a successful care model that creates value inherently that is sustainable? Such a good question, which is why I ask it to Dan Greenleaf right out of the gate. So, just to sum this all up in the conversation that follows, Dan Greenleaf gets into the challenges and the strategies involved in balancing mission-driven healthcare with financial realities. Duly's approach to being fiscally solid includes, well, I'm just gonna say many of the same types of efficiency things to maintain and retain margin that other more mainstream health systems might deploy. But I'd say there's a really striking difference in the why and the how. And the impact of this why and how is striking when you look at Duly's prices and the impact it has on its overall community. So, even though it's using similar types of strategies, maybe, as big consolidated health systems or other organizations, the impact and what it all adds up to is, again, very, very different. This is what I mean. At health systems, and maybe my head is just lost in a couple of anecdotal bits of evidence right now, but I just had two conversations in the past two days with physician leaders at big health systems (different ones), but both of these individuals said variations of the same theme. And if you wanna picture the scene, picture the saddest expressions, and one of them had a martini and the other one had a big-boy glass of wine. And both of them said, Look, my organization has lost sight of patient care, but also my organization has lost sight of, like, financial goals in most parts of the organization. All I seem to do all day is play politics with a whole lot of middle managers or even senior leaders jockeying for position and having turf wars within these sprawling bureaucracies. These are just great people who are trying so hard to do the right thing and are just struggling to find the foothold to do so within their own organizations. So, let's just say it was refreshing to hear Dan Greenleaf talk about an alignment of incentives and hook the margin up with the mission train in a really tight way throughout the entire organization. And to do this really well—achieve that mission/margin alignment across the whole entire organization—Dan underscores the value of clinician involvement in leadership and having, as I just said, aligned incentives with clinical teams. Keep in mind, this is the margin show, where clinical leadership came up and the number of doctors on their board and the level of physician ownership in the organization. I'm highlighting that this is the margin show here because usually so-called dyad leadership with physicians in leadership roles only comes up in mission conversations, right? Like, in situations where somebody wants the doctor to be the defender of mission and the battle to keep the MBAs in check. And I say this as the comic book stereotype, obviously. But yeah, it's true often enough. But then we have Dan, who is thinking about clinicians who have, again, aligned incentives across the organization so you don't have your physician leaders day drinking while I'm sitting across from them finding myself quoting Sun Tzu The Art of War and helping them craft the perfect PowerPoint slide to weaponize a reorg. Honestly, in my experience, there's no better way to waste metric assloads of money than in an organization where personal power grabs start to supersede anything that smells vaguely like an organizational imperative. And again, these just big bureaucracies at many health systems … yeah, too big not to fail at this is often the way of it. Then lastly, I grilled Dan Greenleaf about capital partners and how to manage to achieve private equity (PE) funding, where there's support for a model that delivers inherent value—a model that benefits both patients and providers as well as investors. And I'm saying this, keeping all of the things that Yashaswini Singh, PhD, said in that episode (EP474) about private equity a few weeks ago. Go back and listen to that. And by the way, Dan Greenleaf in this show has roughly the same ideas as Tom X. Lee, MD (EP445), founder of One Medical and Galileo told me, and also Rushika Fernandopulle, MD (EP460), founder of Iora. Great minds think alike. So, should figuring out how to work with PE be a topic of interest, there you go. Listen to my conversation today with Dan Greenleaf and then go back and listen to those other two shows. Dan Greenleaf, CEO of Duly, my guest today, has been in healthcare for 30 years. He's a six-time CEO: three public companies and has also run three companies backed by private equity and thus very aware of the many different funding mechanisms that exist in the marketplace. This podcast is sponsored by Aventria Health Group, but I do just wanna mention that Duly offered Relentless Health Value some financial support, which we truly appreciate. So, call this episode not only sponsored by Aventria but also Duly. And with that, here is my conversation with Dan Greenleaf. Also mentioned in this episode are Duly Health and Care; Benjamin Schwartz, MD, MBA; Cynthia Fisher; Cristin Dickerson, MD; Yashaswini Singh, PhD; Tom X. Lee, MD; Galileo; Rushika Fernandopulle, MD; Vivian Ho, PhD; Scott Conard, MD; Stanley Schwartz, MD; Vivek Garg, MD, MBA; and Dave Chase. You can learn more at Duly Health and Care and follow Dan on LinkedIn. You can also email Dan at dan.greenleaf@duly.com. Daniel E. Greenleaf is the chief executive officer of Duly Health and Care, one of the largest independent, multispecialty medical groups in the nation. Duly employs more than 1700 clinicians while serving 1.5 million patients in over 190 locations in the greater Chicago area and across the Midwest. The Duly Health and Care brand encompasses four entities—DuPage Medical Group, Quincy Medical Group, The South Bend Clinic, and a value-based care organization. Its scaled ancillary services include 6 Ambulatory Surgery Centers, 30 lab sites, 16 imaging sites, 39 physical therapy locations, and 100 infusion chairs. Its value-based care service line provides integrated care for 290,000 partial-risk and 100,000 full-risk lives (Medicare Advantage and ACO Reach). Dan has nearly 30 years of experience leading healthcare services organizations. He is a six-time healthcare CEO, including prior roles as president and CEO of Modivcare; president and CEO of BioScrip, Inc.; chairman and CEO of Home Solutions Infusion Services; and president and CEO of Coram Specialty Services. Dan graduated from Denison University with a bachelor of arts degree in economics (where he received the Alumni Citation—the highest honor bestowed upon a Denisonian) and holds an MBA in health administration from the University of Miami. A military veteran, he was a captain and navigator in the United States Air Force and served in Operation Desert Storm. 09:56 How does Dan achieve his mission given the realities of margin? 14:49 How Duly Health's approach and incentives differ from other health systems. 16:04 EP466 with Vivian Ho, PhD. 16:28 EP462 with Scott Conard, MD. 16:31 Summer Shorts episode with Stan Schwartz, MD. 17:27 EP460 with Rushika Fernandopulle, MD. 17:29 EP445 with Tom X. Lee, MD. 17:30 EP407 with Vivek Garg, MD, MBA. 18:50 How having physicians on the hospital board greatly improves margin and mission. 20:04 How Dan explains his approach to his capital partners. 22:23 Fee for service vs. institutional care. You can learn more at Duly Health and Care and follow Dan on LinkedIn. You can also email Dan at dan.greenleaf@duly.com. @d_greenleaf of @dulyhealth_care discusses #margin creating a path to #mission in #multispecialtycare on our #healthcarepodcast. #healthcare #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation Recent past interviews: Click a guest's name for their latest RHV episode! Dan Greenleaf (Part 1), Mark Cuban and Cora Opsahl, Kevin Lyons (Part 2), Kevin Lyons (Part 1), Dr Stan Schwartz (EP486), Dr Cristin Dickerson, Elizabeth Mitchell (Take Two: EP436), Dave Chase, Jonathan Baran (Part 2), Jonathan Baran (Part 1), Jonathan Baran (Bonus Episode)
HSBC's Jose Rasco breaks down today's market action. Interactive Brokers Chairman Thomas Petterfy discusses his company's latest quarter and why consumers are at record-high levels of margin loans on his platform. Bank of America senior economist Stephen Juneau talks consumer insights from his latest credit card data as government data continues to be in a blackout during the shutdown. Our Alex Sherman on what Apple's Eddie Cue told him about the tech giant's live sports strategy. Plus, OutcomesAI founder Kuldeep Singh Rajput discusses anxiety around AI's impact on the labor market—and what jobs will stick around. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Are you tired of feeling like your business is running you instead of the other way around?Let's get real about the cost of chasing success at the expense of what matters most. From missing family dinners to burning out trying to be available 24/7, he shares what finally forced him to change—and the intentional steps he took to build a business that serves both his clients and his calling. Whether you're overwhelmed by your calendar, stuck in the hustle, or just craving margin again, this episode is packed with clarity, conviction, and Christ-centered encouragement to take back control of your time and priorities.You don't have to sacrifice your faith, your family, or your peace to succeed in real estate.
What makes capitalism the most successful wealth-building system in history? Lance Roberts & Michael Lebowitz explore how economic freedom, private ownership, and innovation incentives have lifted billions out of poverty and created unmatched prosperity. Why do societies that embrace free markets and entrepreneurship tend to enjoy higher standards of living, longer lifespans, and greater personal happiness? Lance & Michael examine the misconceptions surrounding capitalism—why critics often overlook the power of voluntary exchange and how wealth creation benefits everyone over time. 0:19 - Earnings Season is Underway w 75% Beat Rates 4:49 - Markets Maintain Bullish Trend w Lackluster Conviction 8:23 - The Itch to Twitch w Royalty-free Music 10:04 - The Fed Moves Forward - Net Impact to Bond Market 13:58 - There is No More Liquidity - Effects in Crypto Realm 17:03 - The Danger of Buying Crypto on Margin 19:57 - Leverage Works Worse in Reverse 24:04 - When the Markets Break 29:59 - Capitalism vs Socialism - the path to prosperity 31:49 - Quantifying Capitalism - The Economic Freedom Index 35:22 - Capitalism is Not an Equalization System 38:23 - The Global Decline of Economic Freedom 39:32 - Does Wealth Buy Happiness? 40:58 - Defining the "American Dream" 43:16 - Why Businesses Fail 44:51 - The Savanna Bananas 46:57 - Capitalism Is Not Fair
Don and Tom open with banter about the weather, baseball playoffs, and studio quirks before diving into what it means to be a “millionaire” today versus in 1890. They explore how much of modern net worth is illiquid, why home equity and retirement funds can trap wealth, and how planning for liquidity and income is crucial. The conversation transitions into a discussion of market volatility, rare earth trade tensions with China, and Brett Arends' critique of index investing. They counter with historical perspective, humor (and potato chips), and advice about risk, rebalancing, and human behavior. Later, listener calls cover portfolio structure, Empower vs. Vanguard advisor options, and evaluating advisor fees and fund costs. The show closes with their classic blend of education, sarcasm, and fiduciary realism. 0:04 Opening banter, phone number, Florida “cold front,” and baseball chatter 2:33 Topic intro: What a million dollars means now vs. 1890 3:58 Comparing historic vs. modern millionaires and net worth equivalency 4:43 The illusion of wealth—why 70% of assets are often inaccessible 5:30 Planning for liquidity: why paying off a mortgage too early can backfire 6:37 Don's retirement planning promo 7:39 Historical comparison: 1890s Gilded Age vs. today's millionaire stats 8:19 Market globalization and modern wealth concentration 9:43 Rare earths and the U.S.–China tariff skirmish 10:22 Market check: stocks, bonds, and gold all dip; volatility talk 12:04 Don's “unnamed thing” (Bitcoin) drops 10.5%; discussion on risk and rebalancing 13:48 Don shifts to 60/40 allocation—explains rationale near retirement 14:34 Brett Arends' “Dumbest Stock Market in History” critique discussed 16:00 Debate: Are index investors stabilizing markets through consistency? 17:19 Potato chip tangent and investor psychology 18:32 Arends' bearishness vs. evidence-based investing 20:00 Protecting your psyche, not every dollar, from market declines 20:20 Podcasting history—when Talking Real Money began 21:32 Caller Samir (Virginia): $4M net worth, suffering from “hodgepodge-itis” 24:15 Don and Tom's prescription: stop investing until you have a plan 25:42 Margin loan temptation and why 10.5% interest kills the idea 27:00 Tom reinforces the need for a fiduciary planner 27:32 Caller Chris (Texas): moving from Empower to Vanguard PAS 29:21 Vanguard vs. Empower: conflicts, fund choices, and planning gaps 31:46 “Half-pregnant” advice models and Bogle's legacy examined 34:20 Broader critique: single-provider risk and investor behavior 35:54 Caller Dave (Olympia): evaluating returns, fees, and portfolio costs 37:50 What's a reasonable expense ratio and advisor fee range 39:24 Final takeaway: judge portfolios by structure, not short-term returns Learn more about your ad choices. Visit megaphone.fm/adchoices
BYU football continues preparations to take on rival Utah this Saturday in Provo. Turnovers are defining in this matchup. The Cougars have won the last two games in this series, and it's no coincidence that they haven't turned the ball over. BYU offensive coordinator Aaron Roderick wants to see BYU take care of the ball in this matchup. Is BYU quarterback Bear Bachmeier up for the challenge? KSL Sports BYU Insider Mitch Harper discusses on this Wednesday edition of Cougar Tracks. Also, you'll hear from BYU wide receiver Parker Kingston in this episode as he prepares to face the Utes. Finally, BYU basketball's TV schedule is out. The Cougs are a national team with television exposure this season. Then we get to know the Nebraska Cornhuskers with Ben Beecham of The Daily Nebraskan as BYU basketball gets set to take on the Huskers in Lincoln for an exhibition game this Saturday. Subscribe to the Cougar Tracks Podcast to stay up-to-date with all the daily episodes. Cougar Tracks is on YouTube and X every weekday at Noon (MT), and KSL NewsRadio at 6:30 p.m. (MT). Apple: https://podcasts.apple.com/us/podcast/cougar-tracks/id1146971609 YouTube Podcast: https://kslsports.com/category/podcast_results/?sid=2035&n=Cougar%20Tracks Spotify: https://open.spotify.com/show/2NCF1KecDsE2rB1zMuHhUh Download the KSL Sports app Google: https://play.google.com/store/apps/details?id=com.bonneville.kslsports&hl=en_US iOS: https://apps.apple.com/us/app/ksl-sports/id143593
What if success was never about climbing the ladder - but learning to redefine it altogether?In this episode of Two Pastors and a Mic, Cory and Channock kick off a brand-new 12-week series walking through Cory's free eBooks, starting with “How to Have Success Without Climbing the Ladder.” Together they challenge the cultural obsession with achievement, status, and performance, offering a refreshing perspective rooted in identity, peace, and purpose.You'll hear:
This week we wrap up Italian classics season, French should be classics season and maybe gravel classics season? Plus, we finally have something dirt on Canada. This podcast is also supported by the generous and amazing donors to the Wide Angle Podium Network, and buy Hammerhead cycling! Visit hammerhead.io to check out the Karoo cycling computer, and use code SLOWRIDE at checkout to get a Heart Rate strap for free! Find us, and other fantastic cycling podcasts on the Wide Angle Podium Network, at wideanglepodium.com! Check out the brand new WAP app available in the Apple and Android app stores! You can email us at theslowridepodcast@gmail.com
Margin pressure. Rate uncertainty. Shifting investor expectations. Welcome to 2026 planning season. During The Lodging Conference, I spoke with David Duncan, President & CEO of First Hospitality, and Marissa Ballan, Chief Investment Officer, about how their team approaches the next phase of the hotel cycle — with discipline, data, and confidence. Here's what stood out:
This discussion features: Judah Thomas, Lenny Salgado, Mike McHugh, and James Gowell. Edited by: Tim NicholsonThe crew entire crew is sick, but we rallied through it and gathered up to record this episode. Lenny kicks of us talking about 1 John chapter 4, verse 1. James then shares about his downtime on Sunday when he was sick, watching sports and how fanatic people can be with their face paint, costumes, etc. Yet some people come to church, see people praising God and think it's weird, and then brings it full circle and using everyday moments to point people to Jesus. Judah shifts the conversation and starts talking about the gift of prophecy and uses the September 23rd rapture as the example. This is a page turner episode, throw on your mask, stand six feet from your speakers and come along for the ride...it's a great conversation!Please help us spread the word about Thriving in the Word, read 1 John 1-5 with us and come along for the journey. Thank you for listening and being part of the Thriving in the Word family.Have a blessed day.For more information visit: www.thrive.churchIf you would like to give financially you can do so here: www.thrive.church/give/If you need prayer email us at prayer@thrive.churchThis is a presentation of Thrive.Church©All Rights Reserved
Morningstar's Dave Sekera says the A.I. trade hasn't shown much weakness, but if you look under the surface of the market's strength, there's plenty of cracks to find. He points to industries like commodity chemicals, transportation, and industrials not connected to A.I. taking big hits to earnings. Dave says there are "deep value" plays to find as long as investors can "white knuckle" quarters ahead. He explains why the energy, health care, and real estate sectors are undervalued plays that can also serve as defense. That's not to say Dave doesn't see value trades in A.I., though he believes they're becoming few and far between.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about
Join Marc and Dan as they break down The Narrow Margin, one of the ultimate displays of B-Noir. Efficient narrative progression and character development. Crackerjack dialogue expertly delivered by McGraw and Windsor. And nearly nonstop, heart-pounding suspense, make the film itself feel like a fast-moving train. Beautifully photographed and filled with noir themes and sensibility, it's amazing to see how good a movie can be on a low budget.
Book a free Discovery Call to see how we can help you hit your goals and beyond: https://bit.ly/3TvGiNW or call us at: (214)-453-1591
In “The Margin Compression Playbook: The Essential Strategies for Brokerage Survival”, Joe Lynch and Kevin Hill, Head of Sales at CarrierSource.io and Founder and owner of Brush Pass Research, discuss how freight brokerages can utilize specialized data, technology, and superior carrier quality to overcome margin pressure and secure long-term viability. About Kevin Hill Kevin Hill is the Head of Sales at CarrierSource.io, leading the rollout of Shipper Intent Data, a first-of-its-kind dataset helping freight-tech and logistics companies identify and engage shippers in-market for new partnerships. Kevin has more than a decade of experience in the freight industry, both as a sales executive and a media producer, with a mission to help freight sales professionals grow their businesses and reach their goals. He is also the founder and owner of Brush Pass Research, a sales and marketing intelligence firm that helps companies sell to freight brokerages across North America. Previously, Kevin founded CarrierLists, a carrier sourcing platform acquired by Highway in 2022. About Brush Pass Research Brush Pass Research is a sales and marketing intelligence firm that helps freight-tech companies sell into the freight brokerage market. The firm delivers data-driven insights, brand awareness studies, and lead-generation research that uncover how freight brokers buy technology, make decisions, and manage growth. Brush Pass Research gives sales and marketing teams the intelligence they need to win in a competitive market. About CarrierSource.io CarrierSource.io is the logistics industry's most trusted carrier-review platform — the “Yelp for trucking companies.” It helps freight brokers and shippers find safe, reliable carriers backed by verified reviews and performance data. CarrierSource's new product, Shipper Intent Data, identifies shippers who are actively in the market for new partnerships, giving sales teams a competitive edge in finding and closing the right customers. Key Takeaways: The Margin Compression Playbook: The Essential Strategies for Brokerage Survival In “The Margin Compression Playbook: The Essential Strategies for Brokerage Survival”, Joe Lynch and Kevin Hill, Head of Sales at CarrierSource.io and Founder and owner of Brush Pass Research, discuss how freight brokerages can utilize specialized data, technology, and superior carrier quality to overcome margin pressure and secure long-term viability. Develop a Competitive Niche: Brokerages must specialize to achieve higher prices and margins, shifting away from a low-margin generalist model. Maximize Efficiency with DAT/Convoy: Leverage the DAT / Convoy Platform to cut cost per load by 80% to 90% (from the $150 average). This integration offers automation for efficiency and enhanced fraud prevention within the DAT One Platform. Tap Into Private Fleet Net Zero (PFNZ): Utilize PFNZ's AI and patented tech to access 10,000s of underutilized, superior private/dedicated trucks. This not only drives compelling ROI but also supports a path to save 30M+ tree equivalents. Weaponize Shipper Intent Data: Use platforms like CarrierSource.io to focus sales on shippers actively seeking new partners, ensuring outreach is highly targeted and efficient. Elevate Carrier Quality & Trust: Select high-quality carriers using verified performance data (CarrierSource.io) to mitigate service risks that quickly erode margins. Understand Brokerage Buying Intel: Utilize insights (Brush Pass Research) to understand how shippers make procurement decisions, enabling a tailored, pain-point-focused value proposition. Differentiate on Service Reliability: Shift the sales conversation away from price by emphasizing verified performance and quality as a critical risk mitigation strategy. Transform Sales into Consulting: Empower sales teams to use intent data to become strategic consultants who solve known needs, justifying better margins through specialized solutions. Learn More About The Margin Compression Playbook: The Essential Strategies for Brokerage Survival Kevin Hill | Linkedin Brush Pass Research | Linkedin CarrierSource.io | Linkedin Brush Pass Research CarrierSource.io Private Fleet Net Zero: The Deadhead is Dead with Russ Jones Freight Brokerage Tech Trends with Kevin Hill 4 Trends in Freight Brokerage with Kevin Hill The Logistics of Logistics Podcast If you enjoy the podcast, please leave a positive review, subscribe, and share it with your friends and colleagues. The Logistics of Logistics Podcast: Google, Apple, Castbox, Spotify, Stitcher, PlayerFM, Tunein, Podbean, Owltail, Libsyn, Overcast Check out The Logistics of Logistics on Youtube
Twenty-five years ago, I woke up one Monday morning and couldn't get out of bed.Not "didn't want to." Couldn't.
Today I'm joined by Jim Roche, CEO of WarrCloud. We dig into the $100K+ most dealers miss in warranty work, why surging warranty volume has made WarrCloud one of the fastest-growing companies in America (#1 in Missouri), and how you can retain techs and boost profits at the same time—plus much more. This episode is brought to you by: 1. Matador AI - Discover why the biggest dealership groups in America are using Matador AI to enhance their Sales and BDC teams to sell and service more cars than ever before. Right now, podcast listeners get the first 30 days risk-free with an included white-glove onboarding, so you can experience the difference in your store. This offer is only available until the end of the month, so don't wait! Head to @ http://www.matador.ai and book your demo today. 2. Digital Dealer - Digital Dealer Conference & Expo – Get real strategies that work in marketing, advertising, AI, fixed ops and more when you register to attend. Plus, the expo hall is packed with top exhibitors, quick-hit expert talks, and hands-on workshops that'll help you turn ideas into action. Mark your calendars for October 14-15, 2025 at Mandalay Bay in Las Vegas and register today @ http://www.digitaldealer.com/registration 3. WarrCloud - Your warranty claims process shouldn't drain your profits—or your people. Our award-winning AI technology transforms OEM warranty processing, helping you capture every dollar you've earned. Dealers reduce costs, speed up reimbursements, and uncover new revenue opportunities—while consistently improving OEM claim scores. The future of fixed ops belongs to those who adapt. Let's talk about automating your warranty processing today. Visit @ https://warrcloud.com/get-an-analysis Check out Car Dealership Guy's stuff: For dealers: Industry job board ➤ http://jobs.dealershipguy.com Dealership recruiting ➤ http://www.cdgrecruiting.com Fix your dealership's social media ➤ http://www.trynomad.co Request to be a podcast guest ➤ http://www.cdgguest.com For industry vendors: Advertise with Car Dealership Guy ➤ http://www.cdgpartner.com Industry job board ➤ http://jobs.dealershipguy.com Request to be a podcast guest ➤ http://www.cdgguest.com Topics: 00:47 Current auto sales and service trends? 01:38 Why the shift towards vehicle service? 02:18 How to interpret market forecasts? 04:44 Warranty vs customer pay dynamics? 09:58 AI and RPA's role in dealerships? 18:06 How to optimize warranty claims? 28:05 Key insights for business growth? 31:38 Future trends for dealerships? Car Dealership Guy Socials: X ➤ x.com/GuyDealership Instagram ➤ instagram.com/cardealershipguy/ TikTok ➤ tiktok.com/@guydealership LinkedIn ➤ linkedin.com/company/cardealershipguy Threads ➤ threads.net/@cardealershipguy Facebook ➤ facebook.com/profile.php?id=100077402857683 Everything else ➤ dealershipguy.com
This show today is a continuation of our mission/margin series because I wanted to drag into my investigation here what clinical organizations are up to, especially ones that have brought in professional capital, as they say. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Before I kick in here, let me just remind everyone of a few themes that we have been poking in the eyeballs in the past few months over here at Relentless Health Value. First, patients cannot afford care. Listen to the show with Mark Cuban and Cora Opsahl (EP488) mentioning middle-class wage stagnation. Listen to the show with Merrill Goozner (EP388). Listen to the show with Wayne Jenkins, MD (EP358). It is a crapshoot to get medical care these days. Roll the dice and hope you don't get a bankrupting bill at the end. There's no transparency (or very little) for patients. No accountability or interest from many. Not all but many take no responsibility for their financial impact on their patients or members. And look, I am in no way speaking for the vast majority of doctors or nurses or pharmacists or PAs or even really good administrators or anybody else involved in clinical care. In fact, if you listen to the show with Komal Bajaj, MD (EP458) about how many clinicians do not actually trust their leadership will do right by patients or even the clinicians themselves, then yeah. This is undeniably the broad stroke of this industry we all work in. Many take no responsibility for their financial impact on their patients or members. That is the first theme. Here's the second theme. It's this motto: If you can take it, take as much as you can get. And throwing no shade, but let's just get real about that. Right now, healthcare is an industry just like any other industry. And when I say industry, I mean the tax-exempt so-called nonprofits as much as anybody else. Said another way, corporate healthcare leaders, just like any other business leaders, have every incentive to see prices go up. That is just the way commerce works. Listen to the show with Jonathan Baran (EP483, Part 1), the ones with Kevin Lyons (EP487, Part 1 and Part 2). But what is different than most other commerce endeavors when it comes to healthcare, and Shane Cerone from Kada says this in an upcoming episode, he says, “We don't have a broken healthcare market. In many parts of the country, there is no healthcare market. The market does not exist.” And thus prices can go up like rocket ships, because self-insured employers—and also public plan sponsors a lot of times, like state health plans—are, on the whole, just such unsophisticated buyers, price elasticity is, like, nonexistent. No matter how high the price, plan sponsors still contract for who's ever in the network; and they and their members ante up and pay the price. Many good and maybe not-so-good reasons for this (not getting into them), but net net, the result is a nonmarket. Anyone who wants to debate my corporate healthcare entities or big consolidated healthcare entities act just like any other corporate entity, read the recent Substack by Preston Alexander. It's about hospitals raising capital with bonds. Preston Alexander wrote, “The financial design of the system has turned what should be a largely altruistic service, one designed for public good and societal benefit, and forced it to act like a financial institution.” And so, with those bonds, welcome Wall Street. What do Wall Street bankers think about patient care and access and community health? Oh, they don't think about those things at all. Municipal bond returns, baby. That's it. Bonds are an investment where people who invest in them, returns are expected, just like shareholders who want their dividends. Preston Alexander wrote, “Most larger health systems carry billions (that was a ‘b' back there) in bond liabilities.” It costs money to build buildings and add beds and consolidate, yo; but now they are subject to the same pressures as publicly traded companies. So then I got my hands on Dan Greenleaf, CEO of Duly, a multispecialty group in Chicago. I was absolutely intrigued from the starting gate because Dan told me that mission can actually beget margin in his view, and he even, at Duly, has private equity investors. So, yeah, I was all ears. Dan Greenleaf, who is my guest today, by the way, if you haven't figured that out, told me that because of, but not limited to, the trends above wildly high prices, high premiums, high deductibles, more consolidation, fewer options, scared, confused, and maybe outraged patients—listen to the show with Peter Hayes (EP475)—Dan said that, given this backdrop, actually focusing on mission is a huge competitive advantage. Justina Lehman (EP414) actually also said this in a show from a few years ago. Dan told me, Dan Greenleaf, when you succeed at mission, you can get yourself decent margin these days. So, in this first episode, we will talk about this mission of which Dan Greenleaf speaks; and then in part 2 coming at you next week, we'll get into how that all spells margin. Here's what I thought was super important about this whole mission/margin conversation, and Mick Connors, MD, in a show coming up, also touches on this: To achieve mission, you really have to define what mission means. Ben Schwartz, MD, MBA (EP481) said this, too, in so many words in the show from last summer. And that doesn't mean just have a gloriously well-written Web page, and you just can't have spreadsheets of random quality metrics either. You have to treat the mission like you treat any strategic imperative. You gotta break it down and figure out how you're gonna measure what you're actually doing. Rik Renard (EP427) talked about this one, too. At Duly, which Dan Greenleaf talks about in this episode, the focus is on four quadrants of mission: (1) affordability, (2) access, (3) consumer experience, and (4) quality. In this conversation, Dan emphasizes that achieving these four quadrants reduces friction for patients and clinicians and leads to better care outcomes and financial stability. To be noted with one big fat fluorescent highlighter marker is this: A big part of this mission, in almost each of these quadrants, is about making prices reasonable and predictable and transparent for patients. In today's world, that's what customer experience must include—not just, like, lemon water in the waiting room. That struck me the most. And all this focus on affordability really adds up across the community. In Chicago, lower-cost alternatives to hospital services can save up to $2 billion. That is also with a “b.” And the communities are also healthier. Crazy. Hey, make sure patients and members can afford and have access to quality healthcare, and the community gets healthier. Who would've thought? Dan Greenleaf, CEO of Duly, my guest today, has been in healthcare for 30 years. This podcast is sponsored by Aventria Health Group, but I do just wanna mention that Duly so kindly offered Relentless Health Value some financial support, which we truly, truly appreciate. So, call this episode also sponsored with an assist by Duly. Here's my conversation with Dan Greenleaf, and do come back next week for part 2 like I said earlier. Today we talk mission. Next week we talk margin. Also mentioned in this episode are Duly Health and Care; Merrill Goozner; Wayne Jenkins, MD; Komal Bajaj, MD; Jonathan Baran; Kevin Lyons; Shane Cerone; Kada Health; Preston Alexander; Peter Hayes; Justina Lehman; Vivian Ho, PhD; Mick Connors, MD; Benjamin Schwartz, MD, MBA; Rik Renard; Mark Cuban; Dave Chase; Patrick Moore; Sam Flanders, MD; and Tom Nash. You can learn more at Duly Health and Care and follow Dan on LinkedIn. You can also email Dan at dan.greenleaf@duly.com. Daniel E. Greenleaf is the chief executive officer of Duly Health and Care, one of the largest independent, multispecialty medical groups in the nation. Duly employs more than 1700 clinicians while serving 1.5 million patients in over 190 locations in the greater Chicago area and across the Midwest. The Duly Health and Care brand encompasses four entities—DuPage Medical Group, Quincy Medical Group, The South Bend Clinic, and a value-based care organization. Its scaled ancillary services include 6 Ambulatory Surgery Centers, 30 lab sites, 16 imaging sites, 39 physical therapy locations, and 100 infusion chairs. Its value-based care service line provides integrated care for 290,000 partial-risk and 100,000 full-risk lives (Medicare Advantage and ACO Reach). Dan has nearly 30 years of experience leading healthcare services organizations. He is a six-time healthcare CEO, including prior roles as president and CEO of Modivcare; president and CEO of BioScrip, Inc.; chairman and CEO of Home Solutions Infusion Services; and president and CEO of Coram Specialty Services. Dan graduated from Denison University with a bachelor of arts degree in economics (where he received the Alumni Citation—the highest honor bestowed upon a Denisonian) and holds an MBA in health administration from the University of Miami. A military veteran, he was a captain and navigator in the United States Air Force and served in Operation Desert Storm. 08:32 What should mission be in multispecialty? 08:54 Are mission and margin mutually exclusive? 10:47 What are the four “vectors” of Dan's mission? 11:32 Why does affordability matter? 12:11 EP466 with Vivian Ho, PhD. 12:40 EP488 with Mark Cuban and Cora Opsahl. 13:32 Who are the three payers in the marketplace? 17:31 EP388 with Merrill Goozner. 19:19 How does access play into mission? 20:28 EP464 with Al Lewis. 21:07 EP467 with Stacey. 22:56 Why price transparency is important to consumer experience. 24:16 LinkedIn post from Patrick Moore. 29:06 EP481 with Benjamin Schwartz, MD, MBA. You can learn more at Duly Health and Care and follow Dan on LinkedIn. You can also email Dan at dan.greenleaf@duly.com. @d_greenleaf of @dulyhealth_care discusses #mission and #margin in #multispecialtycare on our #healthcarepodcast. #healthcare #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation Recent past interviews: Click a guest's name for their latest RHV episode! Mark Cuban and Cora Opsahl, Kevin Lyons (Part 2), Kevin Lyons (Part 1), Dr Stan Schwartz (EP486), Dr Cristin Dickerson, Elizabeth Mitchell (Take Two: EP436), Dave Chase, Jonathan Baran (Part 2), Jonathan Baran (Part 1), Jonathan Baran (Bonus Episode), Dr Stan Schwartz (Summer Shorts)
Learn how e-commerce sellers can scale beyond Amazon and into retail. In this episode, our guest shares insider steps to go retail-ready and build a brand that truly lasts. What if the key to transforming your e-commerce brand into a retail powerhouse lies in understanding the nuances of today's retail landscape? Join us for an insightful conversation with Yohan Jacob from Retail Bound as we challenge common misconceptions Amazon sellers hold about retail. Discover how the post-COVID-19 era has created opportunities for online brands to thrive in physical spaces, with retailers integrating enhanced online experiences and buy online, pick up in-store models. We'll uncover the strategies behind pricing consistency across platforms and how a strong online presence can serve as a stepping stone to retail success. Ready to master the marathon that is retail success? We dive deep into the transition from crowdfunding to the big leagues of traditional retail, revealing the strategic planning needed for product packaging, pricing, and marketing in environments like Best Buy, Walmart, and Costco. Through Yohan's expert lens, learn about the importance of understanding margins, price points, and product derivatives, and how these factors can be leveraged to thrive amidst fierce competition. Hear real-world examples of how brands have navigated these challenges, ensuring their place on the shelves of major retailers. But the path to retail success isn't just about getting onto the shelves; it's about staying there. We tackle the financial intricacies of working with large retailers, from managing extended payment terms to financing purchase orders. Yohan shares valuable insights into the unique world of platforms like QVC and HSN, where product demonstrations are key. Plus, discover practical advice on breaking into the market through smaller channels, honing your craft before taking on the giants. Whether you're an e-commerce seller ready to expand or an Amazon aficionado eager for new opportunities, this episode is packed with actionable strategies and expert advice to elevate your retail game. In episode 468 of the AM/PM Podcast, Kevin and Yohan discuss: 00:00 - Navigating Retail for E-Commerce Sellers 04:37 - Changing Attitudes Towards Online Retailers 07:57 - Challenges of Crowdsourced Product Manufacturing 09:42 - Navigating Retail Margins and Strategies 13:45 - Retail Pricing Strategies and Brand Derivatives 18:01 - Preparing for Retail Success 24:05 - Understanding Retail Economics and Margins 27:46 - Consumer Electronics Profit Margins and Costs 30:23 - Retailers' Margin and Product Strategy 37:50 - Handling Retail Transitions and Liquidation 42:03 - Exit Strategy for Seasonal Products 42:32 - Navigating Retail Payment Terms and Strategies 48:31 - Retail Financing and Distribution Strategies 54:51 - Exploring Trade Shows for Business Growth 58:11 - Utilizing Brand Exposure for Retail Expansion 1:02:09 - Retail Growth Strategies for E-Commerce
Shares of Oracle lower today after a report that the cloud provider is struggling to make money renting Nvidia chips. Plus, we look at how Qualcomm's latest acquisition deepens its robotics bet. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
LotParty, helping dealerships move around their virtual lot.
In this episode of LotTalk, hosts Chris Keene, John Anderson, and Renaldo Leonard break down how margin compression is crushing used car profits—and what dealers can do to fix it. From merchandising speed and pricing strategy to digital retailing and customer experience, learn the practical steps top-performing dealers use to sell more inventory in the first 30 days and protect their gross.
Life pulls us in a hundred directions—and most of us are running on empty trying to keep up. This sermon is a reminder that God built a better rhythm for us: one that includes real rest. Drawing from the idea that tension isn't always bad (like the cables on a bridge that hold everything together), the message shows how the Sabbath is God's way of helping us live with balance—not burnout.More than just a day off, Sabbath is a gift. It's a chance to stop, breathe, worship, reconnect with God and the people we love, and remember that we're not defined by how much we get done. This talk invites you to push back against the pressure to always be busy and discover the freedom that comes from trusting God enough to rest.
Former NFL corner back and Next Level Chef contestant, Mark McMillian, joins Cofield & Company to recap the San Francisco 49ers' 26-23 victory over the Los Angeles Rams on Thursday Night Football, review the cryptic messages from AJ Brown over the offensive struggles of the Philadelphia Eagles, and give his thoughts on the turnover issues plaguing Geno Smith and the Las Vegas Raiders' offense this season. Preview of UNLV football's Week 6 conference game against the Wyoming Cowboys. Preview of the Las Vegas Aces' Game 1 match-up against the Phoenix Mercury in the 2025 WNBA Finals. UNLV Athletics and Las Vegas Aviators play-by-play broadcaster, Matt Neverett, joins Cofield & Co. to preview the Rebels' Week 6 game against the Wyoming Cowboys, review the performance of UNLV quarterback Anthony Colandrea during the Rebels' 4-0 start to the season, and breakdown the impact the high elevation in Laramie, Wyoming will have on the Rebels' fifth game of the season.
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Put money towards the mortgage or a brokerage account? Allie and Quint break it down. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
There are times when your life is full and your schedule is packed. When this occurs, what do you do? Stay tuned because I am talking about this on our podcast today. Anytime you exceed your limits, it wears on you spiritually, emotionally, mentally, relationally, vocationally, and physically. Listen carefully: Margin is the space between you and your limits. How much space is in your life for rest, enjoyment, personal time, and experiencing life in a way that is refreshing to you? Even this week, there are some of you that have had conversations with your team in your workplace or with your spouse at home, about this very subject: We need more time in our schedules. Life is full and the schedule is packed! When you find yourself there, what do you do? I want to address this subject in two ways: Biblically and Practically.
Kirk Spano runs Margin of Safety Investing and shares what it means to be an all cap investor (0:25). Using options, covered calls (14:30). AST SpaceMobile as an example (19:00). AI and large cap names (25:00). QE has changed everything (36:00). Bitcoin, gold, crypto (46:00).Show Notes:Liquidity, Macro And Valuations Are Warning YouAST SpaceMobile Screams 'Watson, I'm Calling You From Space'Pfizer: One Of The Next Big AI Winners'Stay Hungry, Stay Foolish' Small Cap StrategiesEpisode transcriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions
Text a question to Victoria!“One of the biggest lessons that I've learned in my adult life so far is that growth doesn't ever feel easy.” –Victoria MarcouillierThis is a very special week as Victoria is turning 33 and the podcast is turning 5! In this special birthday episode, Victoria gets real about turning 33 and the reflections that come with stepping into a new season of life and business. After five years of juggling motherhood, entrepreneurship, and building BrandWell into a thriving design agency, she shares how shifting gears toward a boutique, higher-touch business model has brought both clarity and growing pains. The changes may feel uncomfortable at times, but Victoria opens up about why she sees this season as a sign of meaningful growth.As she looks ahead, Victoria shares the three main areas she's choosing to focus on this year: getting comfortable with being uncomfortable, creating better organization for her calendar and her mind, and building BrandWell with a long-term vision. From hiring her first business mentor and surrounding herself with women further ahead, to creating more margin in her daily routines and finally building a CEO dashboard to organize big-picture ideas, she's leaning into the discomfort of change while also setting herself up for greater clarity and peace.Victoria also reflects on how her mindset has shifted since her 20s, from chasing hustle and quick wins to embracing the slow, steady, and meaningful work of creating a legacy brand. With honesty and vulnerability, she shares how she's learning to measure success less by monthly sales and more by profitability, sustainability, and consistency over time. Whether you're in a season of hustle, growth, or reflection, this episode will inspire you to pause, take inventory, and start planting the seeds for your own long game.Links Mentioned in Today's Episode:Visit BrandWell DesignsFollow BrandWell on InstagramFor show notes, head to www.thebrandingbusinessschool.com/thepodcast/ Show notes for episodes 1-91 can be found at www.brandwelldesigns.com/thepodcast/ Follow BrandWell on Instagram. Follow The Branding Business School on Instagram. Save on your first year of Honeybook using this link! Save 50% off your first year of Flodesk using this link! Get $30 off your first month of Nuuly using this link!Get up to $150 off your first box of Factor Meals using this link!
Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren't surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund.Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately.We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt's grain during the years of plenty. His preparation wasn't random—it was steady and systematic. That's exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise.What Is a Sinking Fund?A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you've been building.This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It's not glamorous, but it works.Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn't wait until the snow falls to collect food—she steadily prepares in advance.Trusting God doesn't mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand.Where to StartIf you're new to sinking funds, begin with one category. Break down the expense into monthly contributions:Car repairs & replacement—Tires, brakes, or even a future vehicle.Home maintenance—Roofs, furnaces, and appliances all wear out.Medical costs—Co-pays, deductibles, or out-of-pocket expenses.Gifts & holidays—Birthdays and Christmas come every year.Insurance premiums & taxes—Annual or quarterly payments made manageable.Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise.In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church's needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes.The goal isn't to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear.Faith Expressed Through StewardshipChoose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you've built the habit, add another fund. Before long, you'll have a system that turns stress into confidence and panic into peace.Creating sinking funds is more than a budgeting trick—it's a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn't replace faith—it reflects it.So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn't just believing God will provide when the bill arrives—it's also honoring Him by preparing with the resources He has already placed in your hands.On Today's Program, Rob Answers Listener Questions:I'm retired but still working a few days a week. Social Security is still being deducted from my paycheck—what happens to that money? Will I ever get it back?I'm 66 and planning to retire in 10 months. My wife is also retiring soon. Together we earn about $180,000 a year. How can we best manage our retirement resources to maintain our current lifestyle?I didn't have financial training growing up, and now I see my kids struggling with unexpected expenses and poor money habits. Are there any books that can help shift our family's attitude toward money?I've looked into faith-based investment options, but they seem to have higher fees and less diversification compared to Vanguard or Schwab. What's your perspective on that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
SUMMARY: In this episode, Aaron and Terryn explore how entrepreneurs can break free from being the central “kingpin” of their businesses. Drawing on insights from Dr. Jim Bob Haggerston's entrepreneurial journey, they discuss the dangers of burnout, the importance of hiring and developing strong number twos, and the balance between skill and desire when building a team. The conversation also covers when to grow leaders versus when to hire them, why belief in the mission matters, and how to find easy on-ramps into adjacent businesses. For founders and operators alike, this episode offers practical advice on creating systems, building margin, and scaling sustainably. Minute by Minute: 00:00 Introduction 02:00 Multiplying Resources Without Being the Kingpin 03:20 Finding the Frustration: What's Pissing You Off? 04:10 Dr. Jim Bob's Story: From Burnout to Systems 06:00 The Solopreneur Journey and Hiring the First Team 07:30 Growing Leaders vs. Hiring Leaders 08:50 The Power of a Strong Number Two and EAs 10:00 Building Systems for Scale and Communication 11:30 Skills vs. Desire in Next-Gen Leaders 14:00 Growing Culture From Within vs. Hiring Talent In 15:25 Belief in the Mission Over Just a Paycheck 18:00 Business Adjacency: Starting New Ventures the Smart Way 21:00 Final Takeaways: Systems, Margin, and Sustainable Growth
What if the greatest act of faith isn't calming the storm - but resting in it?In this episode of Two Pastors and a Mic, Cory and Channock dive into Chapters 10 & 11 of Enough Already - Margin Saved My Life and Make Your Bed in the Boat. Together they explore the importance of building margin, fighting burnout, and learning to embrace rest as holy, not lazy.You'll hear:
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Small Business Sales & Strategy | How to Grow Sales, Sales Strategy, Christian Entrepreneur
Learn more about She Builds Momentum, my monthly group coaching membership for women in business: https://momentum.lindsayfletcher.co Are you already feeling the weight of Q4—holidays, kids' activities, and running your business—all at once? You're not alone. As small business owners, we're often told that success only comes from hustling harder, working 24/7, and showing up on every single platform. But here's the truth: hustle culture is a lie, and it's costing you your peace, your joy, and sometimes even your profits. In today's episode of How to Grow My Small Business, I'm getting real about hustle culture, margin, and why constantly being “busy” isn't the badge of honor we think it is. Instead of cramming 20 pounds of potatoes in a five-pound sack (yes, I've been guilty of that!), I want to show you how to break free from overcommitment, set boundaries, and create space to breathe in both your life and your business. We'll talk about: The symptoms of hustle culture you might be experiencing right now (think exhaustion, snapping at loved ones, or feeling out of control). The roots of busyness—fear of failure, pride, misplaced identity—and how they might be driving your decisions. Biblical examples of rest and margin that model how we're meant to live and lead, not hustle endlessly. Practical ways to create space in your business, from delegating tasks like bookkeeping or social media to evaluating your calendar and cutting what doesn't serve you. How margin can fuel creativity, problem-solving, and long-term growth in your business. If you've ever woken up already overwhelmed, ended your day still exhausted, or felt like you can't keep up no matter how much you accomplish, this episode will encourage you to step off the hamster wheel and choose a better way. It's time to unsubscribe from hustle culture and start running your business with strategy, clarity, and margin. Let's break up with busy—together. Resources and Links: Learn more about She Builds Momentum, my monthly group coaching membership for women in business: momentum.lindsayfletcher.co Connect with me at hello@lindsayfletcher.co
Nebraska's margin for success isn't as big as you think.
The Drive looked at all the little mistakes the Chiefs had in their win, and it highlights how think the margin for error is.
This week on TrendsTalk, Taylor St. Germain from ITR Economics explains the concept of “profitless prosperity”, a future where businesses see revenue growth but shrinking profit margins due to rising costs. While economic growth is expected through 2028, inflation and cost pressures may limit profitability. How can your business avoid this trap? Taylor outlines strategies for balancing pricing power with productivity and efficiency, and why developing a three-year plan is critical for protecting margins in an inflationary environment.
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In this episode, we unpack the latest FOMC meeting, the shifting dynamics in housing, Dow Theory signals, and the surge in margin borrowing. The Fed appears poised to cut rates three times in 2025, and for now, fears about its independence remain overblown. Yet the market backdrop is uneasy: margin debt and equity indices have both reached record highs, a pairing that has historically preceded sharp sell-offs.
This week Lucas and Jayden focus on margin protection, China and Trump, and early yield reports.
What if your goals are too small—and your timelines too long? In this deep-dive conversation, Dr. Benjamin Hardy (author of "The Science of Scaling" and "10x Is Easier Than 2x") challenges Ryan to rethink what it really means to scale. Together they unpack why the right goal is less about certainty and more about clarity, how collapsing time transforms strategy, and why raising the floor often means cutting what feels “good enough.” They explore: Why a billion-dollar goal can be more useful than a hundred-million-dollar one How to filter distractions and find the few “who's” that change everything The psychology behind hidden commitments and unconscious goals Lessons from Tom Brady, Elon Musk, and entrepreneurs who actually scale Why focus and courage matter more than confidence at the start Whether you're building your first business or running a portfolio of brands, this episode will challenge you to strip away distractions, clarify your true north star, and use time as the most powerful tool for scaling. CHAPTERS 00:00:00 Intro: Goals, human systems, and impossible targets 00:06:30 Pivot and focus: Ben's move to books, audio, and strategic psychology 00:13:00 Learning styles and focus: high/low rep learning and raising the floor 00:19:30 Collapse time: What changing deadlines reveals (100M by 2030 → 2027) 00:26:00 Team design and acquisitions: who to hire, what to cut, and thresholds 00:32:30 Pathways thinking: finding the high-leverage who vs doing more work 00:39:00 Power law in practice: distribution, capability, and leverage examples 00:45:30 Breakout case study: Alicia Alt's rapid scaling through partnership 00:52:00 Margin and leverage: collaborators who bring the path and distribution 00:58:30 Sports and focus: Tom Brady vs others as a model for singular goals 01:05:00 Company goals and accountability: choosing a north star and raising standards 01:11:30 Hidden commitments: immunity to change and psychological blind spots 01:18:00 Close: belief, courage, and practical next steps
“The valuation of the Nasdaq Composite… as a factor of GDP is at the highest ever. The highest valuation of stocks in history,” warns Bert Dohmen, founder of Dohmen Capital Research and publisher of the Wellington Letter. In this interview, he calls it “the most risky time in the markets and geopolitics,” pointing to unprecedented speculation fueled by Fed-driven liquidity. Dohmen cautions against complacency: “Speculation is insane as we have seldom seen it. Margin debt on the New York Stock Exchange is now over $1 trillion… imagine when the margin calls go out and Wall Street starts foreclosing houses.” Drawing from his decades of experience, Dohmen highlights his theory of credit and liquidity: “All you have to know to see if the market is going to go up or down—you look at the trend of liquidity and credit. When they're contracting, the stock market will go down. When they're expanding, the stock market goes up.” When asked where investors can still find safety, Dohmen doesn't hesitate: “The one sector that we like and have been in is gold and silver, because they will retain their purchasing power.”✅ FREE RESOURCESDownload The Private Wealth Playbook — a data-backed guide to strategically acquiring gold and silver for maximum protection, privacy, and performance. Plus, get Daniela Cambone's Top 10 Lessons to safeguard your wealth (FREE)
Mike and Bobby recapped the Saints' 26-21 loss to the San Francisco 49ers. Bobby gave stats about the Saints' losing streak at home and criticized New Orleans' third-down defense. They also reported on rookie DT Vernon Broughton's season-ending hip injury. Mike and Bobby spoke to WWL listeners about the loss, quarterback Spencer Rattler, and the Saints' defense. Mike and Bobby interviewed Dave Hilbert, the marketing manager of The Silver Slipper, and Tommy Rybacki, the head football coach of the Nicholls State Colonels. Mike, Bobby, and Charlie played their daily "Triple Option" segment. Mike Hoss and Bobby co-hosted the weekly "Saints Coaches Show" with Saints head coach Kellen Moore and cornerbacks coach Grady Brown.
Is success in life just luck or the result of disciplined decisions? In this episode of The Super Human Life, Coach Frank sits down with Dr. Michael Orkin, statistician, professor, consultant, and author of The Story of Chance: Beyond the Margin of Error. With a PhD in Statistics from UC Berkeley, Dr. Orkin has spent his career studying probability, luck, and risk; from analyzing casino games and sports betting to teaching students how chance shapes everyday life. He has consulted for the gaming industry, delivered talks at Google, and is recognized as a leading voice on the role of luck in human decision-making. Together, Frank and Dr. Orkin explore how luck, probability, and randomness really shape our outcomes and how disciplined decision-making can tip the odds in your favor. From lottery jackpots and sports betting to slot machines, blackjack, and business decisions, Dr. Orkin explains how to separate random variance from real skill, avoid the traps of “false gurus,” and apply timeless probability principles to fitness, finance, faith, family, and freedom.
Join Chris Chavez, Eric Jenkins, Anderson Emerole, Mitch Dyer and Paul Hof-Mahoney as they recap all the highlights from Day 2 at the 2025 World Championships in Tokyo as five first-time individual gold medalists were crowned.Key Highlights from Day 2:Melissa Jefferson-Wooden – Women's 100m Champion- Time: 10.61 (Championship Record)- Context: Broke the previous championship record and tied the fastest time ever at a global championship (Elaine Thompson-Herah's 2021 Olympic record).- Margin of Victory: 0.15 seconds — second-largest in meet history.- Podium: Jefferson-Wooden (USA) – 10.61 CR, Tina Clayton (JAM) – 10.76 PB, Julien Alfred (LCA) – 10.84Oblique Seville – Men's 100m Champion- Time: 9.77 (Personal Best)- Narrative: Delivered on years of potential with a statement win.- Drama: Letsile Tebogo (BOT) was disqualified for a false start; Noah Lyles prevented a Jamaican sweep with bronze.- Podium: Seville (JAM) – 9.77 PB, Kishane Thompson (JAM) – 9.82, Noah Lyles (USA) – 9.89Peres Jepchirchir – Women's Marathon Champion- Time: 2:24:43- Storyline: Echoed her Olympic gold in Tokyo with another win in the same city, outkicking Tigist Assefa in the final 100 meters.- Surprise: Julia Paternain (URU) took bronze — Uruguay's first global championship medal.- Podium: Jepchirchir (KEN) – 2:24:43, Tigist Assefa (ETH) – 2:24:45, Julia Paternain (URU) – 2:27:23Jimmy Gressier – Men's 10,000m Champion- Time: 28:55.77- Shock Result: Pulled off a stunning upset, outsprinting favorite Yomif Kejelcha in a slow, tactical race.- Podium: Gressier (FRA) – 28:55.77, Yomif Kejelcha (ETH) – 28:55.83, Andreas Almgren (SWE) – 28:56.02Field Event Gold Medalists:Valarie Allman – Women's Discus Throw- Best Mark: 69.48m (5th round)- Background: Two-time Olympic champion earns her first world title.- Podium: Allman (USA) – 69.48m, Jorinde van Klinken (NED) – 67.50m, Silinda Morales (CUB) – 67.25mTara Davis-Woodhall – Women's Long Jump- Best Jump: 7.13m- Performance: Took the lead with 7.08m on her first attempt and sealed it with 7.13m in round four.- Podium: Davis-Woodhall (USA) – 7.13m, Malaika Mihambo (GER) – 6.99m, Natalia Linares (COL) – 6.92m (=PB)____________PRESENTED BY ASICSFor the third consecutive year, CITIUS MAG is proud to partner with ASICS for our global championship coverage. With their support, we're able to bring you the best coverage of the 2025 World Athletics Championships. Support our sponsor and check out ASICS's latest including the MegaBlast and SonicBlast. Shop at ASICS.com____________Hosts: Chris Chavez | @chris_j_chavez on Instagram + Mac Fleet | @macfleet on Instagram + Eric Jenkins | _ericjenkins on Instagram + Anderson Emerole | @atkoeme on Instagram + Mitch Dyer | @straightatit_ on Instagram + Paul Hof-Mahoney | @phofmahoney on InstagramProduced by: Jasmine Fehr | @jasminefehr on Instagram
Carl and Mike close out with final Falcons thoughts and why the defense must "do their job" better against the Vikings and Jalon Walker and James Pearce Jr. need to show more and overall, the defense must get home to the quarterback.
Send us a textFeeling burned out? Need some encouragement and inspiration? Or maybe you just need to hear a little reassurance today? Well, friend, you are in the right place. I am so excited to welcome our special guest, Tyra Lane-Kingsland, to the show!Whenever I talk to Tyra, I leave feeling so encouraged, refreshed, inspired, and filled up. She's like going to an emotional chiropractor!She is a mother of six, the founder of Inspired Life, a passionate coach, speaker, author, and a true advocate for the well-being of moms everywhere.In this episode, she brings such wisdom about creating margin, setting boundaries, and prioritizing self-care. Tyra reminds us that our worth is not tied to our children's achievements or our ability to do it all.Whether you're overwhelmed, weary, or just need a little inspiration, Tyra's words will help you feel lighter, more grounded, and empowered to care for your own heart as you care for your family.Let's dive in!Where to find Tyra:Website: https://www.inspiredtolivefully.com/about/meet-tyra/Instagram: https://www.instagram.com/inspiredfully/YouTube: https://www.youtube.com/results?search_query=Tyra+Lane+KinglandFacebook: https://www.facebook.com/inspiredfullySupport the showCheck out What's Waiting For You At Moms of Tweens and Teens Find more encouragement, wisdom, and resources: Website: https://momsoftweensandteens.com/ Facebook: https://www.facebook.com/momsoftweensandteens/ Join our Community HERE. Find awesome resources HERE. Instagram: https://www.instagram.com/momsoftweensandteens/ Sheryl also has an Inner Circle weekly Parenting Program with a community of like-minded moms, personal coaching, and tons of resources to equip and support you to love well, navigate the challenges and meet your tween and teen's unique needs during these pivotal years.
#572 Ready for a reset that goes deeper than your average vacation? In this episode, host Brien Gearin sits down with serial entrepreneur David Schafran, founder of Somoloco — a one-of-a-kind salsa dance immersion company operating in Medellín, Colombia. David shares how he went from launching a venture-backed medtech startup to following his joy and building a high-margin, spiritually fulfilling business that helps people reconnect with themselves through movement, music, and community. From organic beginnings to winning TripAdvisor's Travelers' Choice Award, David walks us through how Somoloco operates like a yoga retreat with a Latin twist — blending private instruction, cultural immersion, and transformational experiences. Tune in to learn how he built the brand, structured pricing, scaled with a lean team, and designed an unforgettable product that's as much about emotional healing as it is about dancing! What we discuss with David: + From medtech startup to dance retreats + Origins of Somoloco in Colombia + Dance as emotional and mental reset + Structure of the salsa immersion experience + Building a lean, high-margin business + Organic team-building through relationships + Pricing strategy and value-based offerings + Operating remotely with a local team + Winning TripAdvisor's Travelers' Choice Award + Creating transformative, embodied experiences Thank you, David! Check out Somoloco at Somoloco.com. Follow David on Facebook, Instagram, and YouTube. Watch the video podcast of this episode! To get access to our FREE Business Training course go to MillionaireUniversity.com/training. And follow us on: Instagram Facebook Tik Tok Youtube Twitter To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Want to hear from more incredible entrepreneurs? Check out all of our interviews here! Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode, Alan Condon, Editor-in-Chief at Becker's Healthcare, discusses recent hospital mergers, major academic health system deals, and the financial outlook for health systems as they navigate shifting payer mixes and margin pressures.
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On this TCAF Tuesday, Josh Brown welcomes CNBC host Wilfred Frost for a look at the success of US stocks vs the UK's market and what made Wilfred's dad David Frost one of the most important TV journalists of the 20th Century. Then at 37:30, hear an all-new episode of What Are Your Thoughts with Downtown Josh Brown and Michael Batnick! This episode is sponsored by Public. Find out more at: https://public.com/WAYT Sign up for The Compound Newsletter and never miss out! Instagram: https://instagram.com/thecompoundnews Twitter: https://twitter.com/thecompoundnews LinkedIn: https://www.linkedin.com/company/the-compound-media/ TikTok: https://www.tiktok.com/@thecompoundnews Public Disclosure: All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. *Rate as of 6/24/25. APY is variable and subject to change. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices