Podcasts about Margin

It's one of the most valuable things we have—and one of the easiest to waste. We've all heard the saying, “Time is money.” But if that's true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it's the most limited resource God has given us. Learning to steward it well isn't just good productivity advice—it's an act of worship.If you've ever said, “I just need a little more time,” you're not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.”We treat time like a renewable resource when it's really more like a savings account that's constantly being drawn down. Every hour that passes is one you'll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce.A Biblical View of TimeScripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He's not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable.From a biblical perspective, time isn't ours to manage however we wish. It's a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time.In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God's glory. It's the same word Paul uses elsewhere to describe what Jesus did for us on the cross.Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we're called to redeem our time—to invest every moment, conversation, and decision in what will last forever.Here's the catch: if you don't decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren't truly important.Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father's will.How to Steward Your Time WellSo how can we live as if our time truly belongs to God?1. Reevaluate Your PrioritiesEvery decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God's eyes—and am I giving that my best time?”2. Measure Time by Meaning, Not MoneyOur culture values time by dollars per hour, but God's economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.”3. Build Margin into Your LifeJust as financial margin creates freedom to give, time margin allows you to live generously. When you're not overscheduled, you can pause to listen, serve, or rest. Sabbath isn't wasted time—it's holy time that reminds us that God is in control.4. Steward Small MomentsEternal impact isn't found only in big events. It's in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.”Making Your Hours Count for EternityWhen you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, 'twill soon be past; only what's done for Christ will last.”So what's your time really worth? It's worth exactly what you invest in eternity.Don't just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands.On Today's Program, Rob Answers Listener Questions:I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I'd like something more flexible than a college savings plan.I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I'm thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead?I recently bought an RV with dealership financing at 7.9% for 20 years, though I don't plan to keep it that long. Does simple interest work the same across all banks, and is there a good calculator for figuring out principal payments on early payoff? Also, where could I refinance to get a lower rate?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Calculator.net | Credit Karma (Simple Loan Calculator) | Calculator SoupList of Faith-Based Investment FundsWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Should the S&P go higher? Today we discuss that and more in this wide-ranging episode. We talk the markets, and warn that investors often cling to bad positions instead of reassessing when wrong, noting that current valuations are stretched and the market appears overextended. There is rising corporate caution during earnings season, weak performance among consumer staples and cyclicals, and the growing dominance of the "Magnificent Seven" tech stocks in driving the S&P 500's gains. AI-related capital expenditures and record margin debt levels suggest heightened risk, so you should remain defensive and patient as market conditions soften despite entering a historically strong seasonal period. We discuss...  New York City's election of a socialist-leaning mayor and question how it might impact the city's historically capitalist foundation. Drawing a parallel to investing, we stress the need to reassess assumptions when investments go against you instead of clinging to them. The current market is overextended, with valuations significantly above historical trends and a concentration in a few large tech stocks. Consumer cyclicals and staples, normally defensive areas, have underperformed, suggesting caution for risk-averse investors. The "Magnificent Seven" tech stocks are disproportionately driving the S&P 500's performance, masking weakness in the broader market. AI-related capital expenditures are rising sharply, but returns on these investments remain minimal, highlighting potential overhype. Margin debt has reached record levels, indicating elevated risk if market sentiment shifts. Earnings season shows that even companies beating expectations may see stock declines, signaling that much of the positive news is already priced in. Weak market breadth—many stocks declining while a few outperform—indicates fragility and higher potential volatility. While a correction is possible, seasonal trends historically make late November through January a strong period for markets. Inflation is picking up modestly, while interest rates are being lowered, creating a complex environment for fixed-income investors. Private credit and real estate markets are showing early signs of stress, particularly as products are increasingly marketed to retail investors. Investors are advised to watch for opportunities in mispriced assets but remain cautious due to market overvaluation and potential downside risks. Overall, the discussion emphasizes patience, caution, and careful risk management amid uncertainty in politics, markets, and emerging technologies.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/should-the-sp-500-go-higher-763 

Ever wonder why money so often reveals what we truly value? Today, we'll find out.You probably know that on Faith and Finance, Rob West is usually the one asking the questions. But today, we're turning the tables. Afton Phillips (Head of Content at FaithFi: Faith and Finance) is here to interview Rob West about a devotional project that he has been working on—one that goes straight to the heart of our financial lives.Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind Our Ultimate TreasureWhen Rob first started writing Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, he didn't set out to create another resource about money management. He wanted to create a journey of the heart—a way for believers to rediscover what Scripture truly says about money and how it reflects our relationship with God.Over the years, Rob has had thousands of conversations with people who genuinely want to honor God with their finances but feel stuck or uncertain about how to begin. That longing—to be faithful, yet unsure how—has shaped everything about this devotional.Rob has spent his entire career at the intersection of faith and finance. Early on, he noticed something that changed how he viewed everything: it didn't matter whether someone had $60,000 in credit card debt or $60 million in investments—the struggles were the same. Money issues are heart issues.That's why Jesus spoke about money more than almost any other topic. Not because He needed our resources, but because He knew how easily our hearts become tangled up in them. The goal of this devotional is to help readers slow down and realign their hearts with God's purposes—to see money not as a source of stress or identity, but as a tool for worship.Jesus said, “Where your treasure is, there your heart will be also.” That simple truth sits at the foundation of everything we teach at FaithFi. How we spend, save, and give reveals what we treasure most.If we focus only on the surface—budgeting better, saving more, paying down debt—we might improve our circumstances but still remain captive to worry or pride. The real transformation happens when God changes our hearts. When our relationship with money is shaped by trust in Him, freedom begins to flow naturally.Moving from Ownership to StewardshipOne of the most freeing shifts in a believer's financial life is learning to see ourselves not as owners, but as stewards. When we live as if we own it all, we carry the crushing weight of control—every financial decision feels like it rests on our shoulders. But when we recognize that God owns it all and we're simply managers of His resources, everything changes.Stewardship invites us to ask a new question: “Lord, what do You want me to do with Your money?” That posture leads to peace, not pressure. It transforms spending into gratitude, saving into preparation, and giving into worship. When we release ownership, we stop building our own kingdoms and start participating in God's.Biblical wisdom provides a framework for every financial decision we make. The world tells us to chase comfort and security; Scripture calls us to pursue faithfulness. God's financial principles aren't restrictive—they're protective.When we live within our means, avoid debt, plan diligently, and give generously, we're reflecting the nature of an orderly, generous, trustworthy God. Over time, those choices form habits—habits that produce margin, contentment, and generosity. Wisdom doesn't just shape our money; it shapes our hearts, making us look more like Christ.The Gift of Margin, Generosity, and LegacyOne of the devotionals in Our Ultimate Treasure focuses on the concept of margin. In our culture, we tend to fill every dollar, every minute, and every ounce of energy. But when our lives are maxed out, there's no space left for God to move.Creating margin is an act of faith. It's how we say, “Lord, I trust You enough not to live at the edge.” When we budget below our income or leave breathing room in our schedules, we acknowledge that God—not us—is the provider. In that space, we often experience His peace, His provision, and His direction in powerful ways.At FaithFi, we often say that generosity isn't just about giving—it's about joining God in His redemptive work. When we give, we participate in something far greater than ourselves.Generosity becomes a reflection of God's heart and a visible expression of His love in the world. The fruit of generosity isn't measured in numbers but in lives changed, needs met, and faith strengthened. 2 Corinthians 9:11 reminds us that God enriches us “in every way to be generous in every way.” Our giving is a response to grace—a way to align our hearts with His purposes and trust that every act of faithfulness has eternal impact.Ron Blue has often said, “Is the next steward chosen and prepared?” That question has also shaped how we should think about legacy.Legacy isn't about wealth—it's about faithfulness. Preparing the next steward means intentionally helping the next generation understand that everything belongs to God. If we pass on money without passing on wisdom, we've missed the point. Our responsibility is to model open-handed living, teaching those who follow us to hold God's gifts lightly and use them for His glory.A Hope for Every ReaderOur prayer for Our Ultimate Treasure is simple: that it would help readers see money through God's eyes and experience a renewed relationship with Him.When we understand that everything we have belongs to a generous Father, our posture shifts from fear to trust. We move from striving to surrender. Financial stewardship becomes less about mastering money and more about walking in freedom with God.If these 21 days lead someone to treasure Christ above all else—to trust Him more deeply and handle money in a way that honors Him—then this devotional has done its work.Our Ultimate Treasure is available to all who become a FaithFi Partner by December 31. Partners will also receive the latest issue of Faithful Steward magazine as well as an early release copy of Rob's new devotional whenever it is released in January 2026. Join us at FaithFi.com/Partner. On Today's Program, Rob Answers Listener Questions:I'm planning to remodel two bathrooms for about $35,000–$36,000. I have $10,000 saved for repairs, $25,000 in emergency savings, and $45,000 in dividend-producing stocks. Should I use some of the dividend money or take out a low-interest loan to cover the rest?I've enrolled in Medicare Part A but not Part B. My company has fewer than 20 employees and will soon only have one. I've heard conflicting advice about penalties for delaying Part B, even with proof of insurance. Should I enroll now or wait?If someone saves $10 a week for 30 years, how much would that grow to over time?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

"AI can help us get to a destination faster... but it's not without some kind of oversight." - Catherine Holt Cat Holt is a marketing strategist, entrepreneur, and brand builder who has shaped some of the most iconic campaigns in modern advertising, including Progressive Insurance's Dr. Rick campaign. She is the Founder and Chief Brand Officer of Coologee, Inc., where she leads a one-team approach that blends agency expertise with client-side insight to drive measurable business impact. Cat also co-founded Lion + Owl, a kids' apparel brand that combines innovative design with a mission to promote kindness and inclusion. Previously, she held senior leadership roles at Falls & Co., Progressive Insurance, and several top agencies, helping brands evolve, grow, and connect with audiences in meaningful ways. Website: https://coologee.com/ LinkedIn: https://www.linkedin.com/in/catkolodij Instagram: https://www.instagram.com/coologee/# Substack: https://catholtcoologee.substack.com/   Michael Orkin is a professor, consultant, researcher, and author.  His most recent book is "The Story of Chance – Beyond the Margin of Error" (Innovative Ink, 2025).  He has appeared on numerous podcasts and TV shows and has been an invited speaker at many conferences.  Dr. Orkin has a B.A. in Mathematics and a Ph.D. in Statistics from the University of California at Berkeley.  He is currently a mathematics professor at Berkeley City College and Professor of Statistics Emeritus at California State University, East Bay.orm) Website: https://drmikeorkin.com LinkedIn: linkedin.com/in/dr-mike-orkin-5600584 Substack: https://drmikeorkin.substack.com/   In this episode, we explore how data, strategy, and creativity intersect to drive smarter decisions, stronger brands, and meaningful impact. Dr. Orkin and Cat Holt share insights from their respective worlds of statistics and marketing, showing how analysis and storytelling work together to shape success.   Apply to join our marketing mastermind group: https://notypicalmoments.typeform.com/to/hWLDNgjz Follow No Typical Moments at: Website: https://notypicalmoments.com/ LinkedIn: https://www.linkedin.com/company/no-typical-moments-llc/ YouTube: https://www.youtube.com/channel/UC4G7csw9j7zpjdASvpMzqUA Instagram: https://www.instagram.com/notypicalmoments Facebook: https://www.facebook.com/NTMoments

Kevin Green turns to the big headline taking up the oxygen Monday morning of a potential end to the government shutdown. While the ACA is something he sees remaining a contentious issue, SNAP funding being issued through next September offers a counterbalance of support. On the tech trade, Kevin notes TSMC's (TSM) 17% revenue growth as "slower" than past metrics but one that doesn't slow the bull run. He explains how a new phone and hardware cycle led by Apple (AAPL) offers a "margin driver" for TSMC. He also talks about Nvidia (NVDA) CEO Jensen Huang "threading the needle" of international relations.======== 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

"AI can help us get to a destination faster... but it's not without some kind of oversight." - Catherine Holt Cat Holt is a marketing strategist, entrepreneur, and brand builder who has shaped some of the most iconic campaigns in modern advertising, including Progressive Insurance's Dr. Rick campaign. She is the Founder and Chief Brand Officer of Coologee, Inc., where she leads a one-team approach that blends agency expertise with client-side insight to drive measurable business impact. Cat also co-founded Lion + Owl, a kids' apparel brand that combines innovative design with a mission to promote kindness and inclusion. Previously, she held senior leadership roles at Falls & Co., Progressive Insurance, and several top agencies, helping brands evolve, grow, and connect with audiences in meaningful ways. Website: https://coologee.com/ LinkedIn: https://www.linkedin.com/in/catkolodij Instagram: https://www.instagram.com/coologee/# Substack: https://catholtcoologee.substack.com/   Michael Orkin is a professor, consultant, researcher, and author.  His most recent book is "The Story of Chance – Beyond the Margin of Error" (Innovative Ink, 2025).  He has appeared on numerous podcasts and TV shows and has been an invited speaker at many conferences.  Dr. Orkin has a B.A. in Mathematics and a Ph.D. in Statistics from the University of California at Berkeley.  He is currently a mathematics professor at Berkeley City College and Professor of Statistics Emeritus at California State University, East Bay.orm) Website: https://drmikeorkin.com LinkedIn: linkedin.com/in/dr-mike-orkin-5600584 Substack: https://drmikeorkin.substack.com/   In this episode, we explore how data, strategy, and creativity intersect to drive smarter decisions, stronger brands, and meaningful impact. Dr. Orkin and Cat Holt share insights from their respective worlds of statistics and marketing, showing how analysis and storytelling work together to shape success.   Apply to join our marketing mastermind group: https://notypicalmoments.typeform.com/to/hWLDNgjz Follow No Typical Moments at: Website: https://notypicalmoments.com/ LinkedIn: https://www.linkedin.com/company/no-typical-moments-llc/ YouTube: https://www.youtube.com/channel/UC4G7csw9j7zpjdASvpMzqUA Instagram: https://www.instagram.com/notypicalmoments Facebook: https://www.facebook.com/NTMoments

Deuteronomy 5:12-15 NIV 12 “Observe the Sabbath day by keeping it holy, as the Lord your God has commanded you. 13 Six days you shall labor and do all your work,14 but the seventh day is a sabbath to the Lord your God. On it you shall not do any work, neither you, nor your son or daughter, nor your male or female servant, nor your ox, your donkey or any of your animals, nor any foreigner residing in your towns, so that your male and female servants may rest, as you do. 15 Remember that you were slaves in Egypt and that the Lord your God brought you out of there with a mighty hand and an outstretched arm. Therefore the Lord your God has commanded you to observe the Sabbath day.

9.35 rates the World Series (0:42), explores saves (5:31), reviews Noelvi Marte (20:11), and reviews Hunter Greene (26:50).

In this episode of Modern Chiropractic Mastery, Dr. Kevin Christie introduces the Margin Expander tool and discusses enhancing financial margins for better professional and personal well-being. Dr. Christie details the importance of cash flow, profit margins, cash reserves, debt management, and building a financial fortress. Additionally, he announces the Cash Confident Chiropractor online course starting on December 1st, 2025, designed to guide chiropractors in increasing revenue, understanding financial reports, planning cash flow, and creating a comprehensive financial plan for 2026.

The best gift you can give yourself this season might not come wrapped in paper or tied with a bow.The holiday season—from Thanksgiving through Christmas—can be one of the most joyful times of the year, but also one of the most stressful, especially when money's tight. What if you could celebrate the whole season without the financial regret that debt brings? The good news is—you can. With a few simple steps, you can enjoy the season, bless others, and keep peace in your heart and home.Start With a Spending PlanFrom the turkey to the tinsel, the holidays bring both delight and pressure. We want to give, to gather, and to make memories. But if we're not careful, the bills that follow can overshadow the joy.Begin by setting a total spending limit. Start with what you can afford, not what you wish you could. That number becomes your guardrail for the season. You're not being stingy—you're being wise. Every dollar you keep out of debt stays available for future generosity.Next, divide that total into categories—food, travel, gifts, decorations, charitable giving—whatever matters most to your family. Writing it down makes the plan tangible and easier to follow.If you're hosting Thanksgiving dinner, include the cost of groceries. If you're traveling, plan for gas or airfare now so you're not caught off guard later.Pay With Cash or DebitStudies show we spend about 30% more when paying with credit. Whenever possible, pay with cash or a debit card. If you must use a credit card, set a firm limit and stick to it.Some families even open a separate account just for holiday spending. It creates a natural boundary and helps avoid impulse purchases. There's real freedom in knowing you've already decided what's enough.Get Creative With GivingWhether it's hosting Thanksgiving dinner or wrapping Christmas gifts, remember—it's not about the price tag. A handwritten note, a framed photo, or a homemade pie can carry far more meaning than something store-bought.Acts 20:35 reminds us, “It is more blessed to give than to receive.” That blessing isn't about the cost—it's about the heart.If your children are old enough, invite them to help bake cookies for neighbors or make handmade gifts for grandparents. These shared experiences create memories that last far longer than the presents themselves.You can also use what you already have—redeem unused reward points or gift cards. It's one more way to keep spending within your means.Plan Ahead for Next YearWhen January rolls around, start setting aside a little each month for the next holiday season. Even $50 a paycheck can make a big difference. By next November, you'll be ready to give and celebrate without anxiety.If you prefer automation, set up a small transfer to a dedicated savings account. You'll hardly notice it leaving your budget—but you'll be grateful when the holidays return.Partner With a Faith-Based Financial InstitutionIf you're looking for a trusted place to save, consider our friends at Christian Community Credit Union (CCCU)—a financial institution that's been serving believers and ministries for over 68 years.They share your faith and are committed to helping you manage money in a way that honors God. Their savings accounts, digital tools, and personalized service can help you stay on track during the busiest time of the year.Right now, as a special offer to FaithFi listeners, you can receive up to a $400 bonus when you open a high-yield checking, savings, or Visa cash-back card. Visit FaithFi.com/Banking and enter the code “FaithFi” when you apply.Keep Your Focus on What Matters MostAs you prepare for Thanksgiving, take a moment to thank God for His provision. Gratitude is where wise stewardship begins. And as Christmas draws near, let your giving reflect the joy of God's greatest gift—His Son, Jesus Christ.When we give with grateful hearts and live with margin, we reflect His generosity to the world around us. Ultimately, this creates space for what matters most: faith, family, gratitude, and the celebration of Christ's birth.Even when finances feel tight, remember—lasting peace isn't found in numbers or careful planning, but in resting on God's faithful provision. That is the heart of faithful stewardship: learning to live not from scarcity, but from trust in the One who provides abundantly.And when you do, you'll find a joy that lasts long after the holidays are over.On Today's Program, Rob Answers Listener Questions:I've been on and off Social Security disability after a head injury, but was later able to return to work. They kept sending me payments even after I notified them I was earning more than allowed. Now that my cancer has returned and I may need to stop working again, how should I handle this with Social Security? Should I visit their office in person to get it sorted out?My wife and I own our home outright, but have built up significant credit card debt over the past few years. We're debating whether to take out a home equity loan or a reverse mortgage to get back on track. Which option would you recommend?We're selling our home and deciding whether to use all the proceeds to buy our next house or invest some of them in our retirement accounts to increase our monthly income. Which choice makes the most financial sense?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Movement MortgageWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode: Pam shows why margin isn't a luxury—it's the backbone of Christian leadership. You'll learn how to create intentional white space in your schedule and soul so you can lead with clarity, confidence, and better time management. You'll learn What margin really is and why leaders can't thrive without it. How margin clarifies calling and reduces decision fatigue (Psalm 46:10). Practical buffers and rhythms that improve time management (Ephesians 5:15–16). How to sayno without guilt so your yes is stronger (Galatians 1:10). Why Sabbath and solitude are strategic, not optional (Mark 6:31; Luke 5:16). Resources & Links: Want to take the Leadership Quiz? Click here. Join the Private Group for more Encouragement: [link] L.E.A.D. booklet [link] Truth Journal [link] 1:1 Coaching Session ($97) [link]  

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3342: Shailesh Kumar breaks down when margin investing makes sense, and when it absolutely doesn't. He outlines smart, situational uses for margin loans like temporary liquidity gaps or strategic tax planning, while warning against high-risk behaviors like chasing dividends or funding lifestyle purchases with borrowed money. This piece offers a clear, practical guide for investors who want to leverage margin responsibly without falling into financial traps. Read along with the original article(s) here: https://www.goodfinancialcents.com/when-should-you-use-margin-when-investing/ Quotes to ponder: "Margin is debt. You borrow capital from your broker to buy more assets, in most cases stocks." "Too much debt kills, but a little debt can go a long way towards giving you financial flexibility." "Multiple levels of leverage are financial insanity and can come back to bite you much sooner than you think." Episode references: The Margin Loan: How to Make a $400,000 Impulse Purchase: https://www.mrmoneymustache.com/2021/01/29/margin-loan-ibkr-review/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3342: Shailesh Kumar breaks down when margin investing makes sense, and when it absolutely doesn't. He outlines smart, situational uses for margin loans like temporary liquidity gaps or strategic tax planning, while warning against high-risk behaviors like chasing dividends or funding lifestyle purchases with borrowed money. This piece offers a clear, practical guide for investors who want to leverage margin responsibly without falling into financial traps. Read along with the original article(s) here: https://www.goodfinancialcents.com/when-should-you-use-margin-when-investing/ Quotes to ponder: "Margin is debt. You borrow capital from your broker to buy more assets, in most cases stocks." "Too much debt kills, but a little debt can go a long way towards giving you financial flexibility." "Multiple levels of leverage are financial insanity and can come back to bite you much sooner than you think." Episode references: The Margin Loan: How to Make a $400,000 Impulse Purchase: https://www.mrmoneymustache.com/2021/01/29/margin-loan-ibkr-review/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3342: Shailesh Kumar breaks down when margin investing makes sense, and when it absolutely doesn't. He outlines smart, situational uses for margin loans like temporary liquidity gaps or strategic tax planning, while warning against high-risk behaviors like chasing dividends or funding lifestyle purchases with borrowed money. This piece offers a clear, practical guide for investors who want to leverage margin responsibly without falling into financial traps. Read along with the original article(s) here: https://www.goodfinancialcents.com/when-should-you-use-margin-when-investing/ Quotes to ponder: "Margin is debt. You borrow capital from your broker to buy more assets, in most cases stocks." "Too much debt kills, but a little debt can go a long way towards giving you financial flexibility." "Multiple levels of leverage are financial insanity and can come back to bite you much sooner than you think." Episode references: The Margin Loan: How to Make a $400,000 Impulse Purchase: https://www.mrmoneymustache.com/2021/01/29/margin-loan-ibkr-review/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode the hosts critique a $4.28 million asking price for a Signal Security Franchise business in San Antonio earning ~$773K revenue—arguing it's overpriced, under‑differentiated and risky.Business Listing – https://www.bizbuysell.com/business-opportunity/san-antonio-tx-highly-profitable-security-business-for-sale/2350661/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Costs are rising. Guests are stressed. Owners are squeezed. And hotels? They're juggling labor inflation, insurance spikes, debt pressure, and renovations delayed since… well, that period we all swore we'd never talk about again. For hashtag#NoVacancyNews I spoke with Mark Carrier, President of B. F. Saul Company Hospitality Group, to reveal what hotel owners really face today — and where smart operators find opportunity when everyone feels the pinch. And yes, we talk about the vibe shift in development, stalled pipelines, conversions, and why intermediation costs + guest data may be the real battleground ahead. Also yes: I slipped in a joke about running hashtag#PMS off a 1980s PC. You're welcome.

After an embarrassing home loss to lowly Utah, the Celtics hit a new low. What is going wrong? Why can't the C's seem to hit a three-point shot? And what can Joe Mazzulla do to fix it? Cap and Guillermo discuss.#DifferentHere #Celtics #JoeMazzulla #JaysonTatum #JaylenBrown #DerrickWhite #PaytonPritchard #AnferneeSimonsCheck out the latest Celtics coverage from our friends at SportSpyder.com: https://sportspyder.com/nba/boston-celtics/news?pid=20906

What's the difference between the 1 and 8 seed? Not much really. The Chiefs may be out right now but they can get back in if they take care of business.

For years, the story of American healthcare has read like an obituary for small, independent medical practices. Faced with shrinking reimbursements, staffing shortages, and rising administrative burden, many physicians traded autonomy for stability, selling to health systems or private equity. Yet beneath the consolidation headlines, a quiet rebellion is taking shape. Across the country, small specialty and multi-site practices are not only surviving but posting strong margins. They're lean, tech-forward, and operationally disciplined, proving that small can be powerful when run like a high-performing business.

Today we're talking about something many real estate owners and operators never really dig into—the true cost of their janitorial services contract. When you get that monthly invoice from your cleaning contractor, you probably see one lump sum, but hidden inside that number is not just the cost of labor, but also the cleaning products—paper, liners, chemicals—and here's the kicker: those products are often marked up, sometimes significantly. So the question is, are you paying more than you should for the basics that keep your buildings running? And if so, what can you do about it? In this episode, we'll uncover how unbundling your janitorial supplies from your service contract can save you money, improve transparency, and give you more control. Joining me today is Maura Wilson, Senior Regional Director at OMNIA Partners. Maura helps property teams standardize specs, unbundle inflated supply costs, and leverage national pricing without sacrificing quality. She'll walk us through exactly how to turn hidden markups into real margin. Find knowledge for the dynamic world of real estate management at irem.org.

In this episode the hosts critique a $4.28 million asking price for a Signal Security Franchise business in San Antonio earning ~$773K revenue—arguing it's overpriced, under‑differentiated and risky.Business Listing – https://www.bizbuysell.com/business-opportunity/san-antonio-tx-highly-profitable-security-business-for-sale/2350661/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Preaching: Transitional Pastor, Jack HawkinsSermon title - Margin With Your MoneySermon text - Ecclesiastes 5Sermon Questions:What is at the center of your most common money worries?What steps do you need to take to get some margin wirh your money?

Today on our show:Walmart Holiday Plans Shows There Will Be BloodUPS Gains Margin, Plans Strong Peak, But Remains Mired in UncertaintyAmazon All In On Agentic - Reports Great EarningsShopify Merchants Go Live with ChatGPT Instant Checkout- and finally, The Investor Minute which contains 5 items this week from the world of venture capital, acquisitions, and IPOs.Today's episode is sponsored by Rithum.https://www.rmwcommerce.com/ecommerce-podcast-watsonweeklyThis podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

It's taken me longer than I'd like to admit to learn that “more” isn't always the answer. More space, more stuff, more goals, more plans… they sound good in theory. But in reality? More often leads to burnout, not contentment. The more I tried to add, the more scattered I felt. And eventually, I had to ask myself the question no one wants to face: What if I already have enough and just didn't notice?So this is a reflection on enoughness. Not in a theoretical, minimalist sort of way, but in the real-life, real-mess, small-flat-with-kids kind of way. Because if there's one place that's taught me how to live inside the word enough, it's this 650-square-foot home, with its shared bedrooms, balcony garden, books stacked in corners, and never-quite-empty laundry basket.From “Passing Through” to Choosing to StayWhen we first moved in, it felt temporary. A stepping stone. Something we'd outgrow. That's the story, isn't it? That small homes are a phase to get through before you graduate to something bigger. Bigger house, bigger life. It's what we're told to aim for.But somewhere along the way, I stopped waiting for the upgrade. I stopped planning the next move. I stopped thinking of this space as something I had to get out of and started seeing it as something I could grow into.And that changed everything.Small Space, Big LessonsLiving small has forced us to be deliberate. We can't accumulate without consequence. Every item has to earn its keep. Every corner has to work. But that's not a burden, it's a gift. It's made us intentional. It's made us creative. It's made us notice what we truly value and what we really don't.This home isn't picture-perfect. It's loud. Lived in. Sometimes chaotic. The laundry dries wherever there is space, the kids share a bedroom (ours!), and storage is… let's call it “inventive.” But none of that feels like a limitation anymore. It feels like a choice. Not “we make it work,” but this works because we've chosen it. And that? That's enough.Enoughness Is a MindsetThis way of living has changed how I see everything. It's not about settling. It's about rooting into what's already here. Enoughness, for me, has become a kind of rebellion, a refusal to keep chasing just because the world says I should.And it's everywhere. It shows up in our home education, not as a curated Pinterest-perfect setup, but as learning that happens at the kitchen table, on the sofa, out on walks, in the real rhythms of our life. We don't need a separate classroom or a shelf full of printables. We need books, conversation, curiosity and space to be together. That's enough.Cooking Slower & Living DeeperIn the kitchen, enoughness tastes like from-scratch meals made with simple ingredients and zero pressure to be impressive. Our kitchen isn't huge. Our tools are basic. But the food is real, made with love, and often stirred while someone reads out loud or tells me a wild story about the Ice Age.We grow what we can, even on a second floor balcony and our allotment. We preserve what we're able to. We waste less. We eat better. Building a Business That Doesn't Burn Me OutIt's also shaped the way I run my business. I've stopped buying into the idea that growth always means scaling. Bigger isn't always better, not if it costs me my time, my values, or my presence with my family. I want my work to fit inside my life, not overtake it.Enoughness in business means building something sustainable. Honest. Grounded. Something that pays the bills and makes an impact without requiring me to trade my whole self to keep it afloat. For me, that's success.Embracing enoughness has given me breathing room. Margin. The space to enjoy my life instead of constantly trying to upgrade it.This Is More Than EnoughThere's this myth that living well means always levelling up. More square footage. More output. More ambition. But I think a lot of us are just tired. Full in all the wrong ways. Drowning in choices and clutter and pressure. And in that noise, it becomes almost impossible to feel present, to enjoy what's actually here.But when you choose enoughness? Things start to shift. The edges soften. The pressure loosens. Life starts to feel like something you're in, not something you're behind on.Let Yourself Bloom HereSo if you're reading this from a space that feels small, or temporary, or not what you thought it would be, I want you to know: you don't have to wait for more to feel at peace. You don't have to move house to feel rooted. You don't have to keep chasing. You're allowed to stop. To breathe. To look around and say, actually, this is good.Once you stop chasing what you think you should have, you finally get to notice what you already do.And sometimes, that's where the real abundance lives. To hear more, visit theslowlivingcollective.substack.com

Leviticus 19:9-10 “‘When you gather in the harvest of your land, you must not completely harvest the corner of your field, and you must not gather up the gleanings of your harvest. You must not pick your vineyard bare, and you must not gather up the fallen grapes of your vineyard. You must leave them for the poor and the resident foreigner. I am the Lord your God.'”Leviticus 27:30 “A tithe of everything from the land, whether grain from the soil or fruit from the trees, belongs to the LORD; it is holy to the LORD.”

Making space for what really matters.

Ever feel like you're working harder than ever but not actually getting closer to freedom? Most entrepreneurs chase revenue, not realizing they're building a business that traps them instead of freeing them. So, how do you create a business that gives you freedom, fortune, and fulfillment without burning out? The answer lies in building a business moat.In this solo episode of The Happy Hustle Podcast, I dive into a game-changing framework I learned from Cody Sanchez, a New York Times bestselling author, CEO of Contrarian Thinking, and serial entrepreneur who's on a mission to help one million people achieve financial freedom through business ownership. Cody is known for buying “boring” businesses—laundromats, car washes, service companies and turning them into cash-flowing machines. Her secret? The M.O.A.T. Strategy, a simple yet powerful system to protect your business, your time, and your peace.Here's the gist: M.O.A.T. stands for Margin, Operations, Advantage, and Total Addressable Market. It's all about creating a competitive barrier around your business so that competitors stay out, cash keeps flowing in, and you build a fortress of freedom. Let's unpack a few powerful takeaways that you can apply right now.Margin matters most.If your business isn't profitable, it's fragile. Cody's rule of thumb is to buy or build businesses that cash flow on day one. So, audit your margins—are you charging enough for your time and talent? Sometimes the simplest solution is raising your prices.Systematize or suffer.Your business should run without you. That's the true test of freedom. Start documenting tasks you've done more than three times, then delegate them. Freedom lives in frameworks, my friend—if it's repeatable, automate or outsource it.Identify your unfair advantage.Your edge might be your brand, your relationships, your humor, or your community. Double down on what makes you you. Competitors can copy your strategy, but they can't replicate your soul.Know your market size.If you're playing too small, you're capping your growth. Expand your total addressable market—how many people can your product or service actually help? Think bigger.Do a quarterly M.O.A.T. audit.Rate yourself 1–10 in each of the four areas: Margin, Operations, Advantage, and Market. Find your lowest score and make that your next focus. It's a simple way to plug holes before your business springs a leak.This episode is all about working happier and smarter, not harder. Whether you're running a $100K business or a $100M empire, the MOAT strategy helps you protect your profits, your peace, and your purpose.If you're ready to build your own fortress of freedom, tune in to the full episode and start happy hustlin' your way toward that life of balance, passion, and positive impact.Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance https://www.thehappyhustle.com/bookSign up for The Journey: 10 Days To Become a Happy Hustler Online Coursehttps://thehappyhustle.com/thejourney/Apply to the Montana Mastermind Epic Camping Adventurehttps://thehappyhustle.com/mastermind/“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode Sponsors:If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body actually needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all nightIf you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at bioptimizers.com/happy and use code HAPPY10 for 10% OFF.99 Designs- Need a killer logo, stunning website, or next-level brand design?Stop DIY-ing and start delegating like a boss with 99designs by Vista! Neurable- If you're looking to level up your focus, productivity, and mental well-being all at once, do yourself a favor and check out Neurable. You get a special hookup—just use the code HAPPY at checkout and get $100 off.

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   

Steak gets in to the mini gauntlet that the Falcons are about to run by facing both the Patriots and Colts on the road, and how they simply can not afford any more ugly games.

The I Love CVille Show headlines: Election Day In Virginia Is Just Five Days Away A Look At The Races, Who Has Larges Win Margin? Intersection Of Small Business & Customer Entitlement VA Dems Push Through Redistricting Amendment #15 UVA (-3.5) At California, 3:45 PM, ESPN2 If You Need CVille Office Space, Contact Jerry Miller Read Viewer & Listener Comments Live On-Air The I Love CVille Show airs live Monday – Friday from 12:30 pm – 1:30 pm on The I Love CVille Network. Watch and listen to The I Love CVille Show on Facebook, Instagram, Twitter, LinkedIn, iTunes, Apple Podcast, YouTube, Spotify, Fountain, Amazon Music, Audible, Rumble and iLoveCVille.com.

In this episode, we explore how El Camino Health and The Innova Group built a data-driven ambulatory surgery strategy to strengthen physician alignment, expand patient access, and improve system margins. Using claims data, financial modeling, and targeted outreach, they share a replicable framework for identifying ASC opportunities and aligning strategic growth with operational and capital planning.

Gross margins, GPUs, and the future of finance — this one's for the metrics nerds. CJ sits down with Sarah Wang, General Partner at Andreessen Horowitz, to talk about what happens when the traditional SaaS playbook collides with AI. Sarah shares how legacy benchmarks like payback period and burn multiple start to break down in a world where compute, not headcount, drives costs. She explains why sky-high gross margins can actually be an orange flag, how finance leaders can think about resource allocation between engineers and GPUs, and why the most valuable finance teams today are deeply operational. They also unpack what it's like partnering with AI-native founders, the evolution of pricing models as LLM costs drop, and whether we'll see a private trillion-dollar company anytime soon.—LINKS:on LinkedIn: https://www.linkedin.com/in/sarah-wang-59b96a7/Company: https://a16z.com/CJ on X (@cjgustafson222): https://x.com/cjgustafson222Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:996 Culture, Exploding AI Bills & SaaS ChaosFrom Credit Karma to Notion: CFO Rama Katkar on Leading Finance Through Every Growth Stage5,762 Job Applications. Zero Offers.Thinking About Adding Payments to Your Software Product? Listen to This First!—TIMESTAMPS:(00:00:00) Preview and Intro(00:02:40) Sponsors – Fidelity Private Shares, Mercury, RightRev(00:05:50) Sarah Joins the Show(00:06:06) The Future of Excel in the Age of AI(00:08:24) Why Gross Margins Don't Tell the Whole Story(00:10:42) When Sky-High Margins Are an Orange Flag(00:12:57) Finance as a Strategic Lever in AI Companies(00:15:04) Sponsors – Tipalti, Aleph, Rillet(00:17:22) Partnering with AI-Native Founders(00:20:35) When Traditional SaaS Benchmarks Break Down(00:23:58) Forecasting and Financial Planning for Compute Costs(00:27:16) The Engineers-Versus-GPUs Trade-Off(00:30:29) Resource Allocation and Infrastructure Efficiency(00:33:47) How Pricing Models Evolve as LLM Costs Drop(00:37:15) Circular Finance: When Big Tech Funds Its Own Vendors(00:40:39) Metrics That Still Matter in AI-Driven Businesses(00:44:12) The Evolving Role of Finance Leaders(00:47:26) What “Operational Finance” Really Means(00:50:58) Building Sustainable Efficiency in AI Companies(00:54:03) Will We See a Private Trillion-Dollar Company?(00:55:33) Outro—SPONSORS:Fidelity Private Shares is the all-in-one equity management platform that keeps your cap table clean, your data room organized, and your equity story clear—so you never risk losing a fundraising round over messy records. Schedule a demo at https://www.fidelityprivateshares.com and mention Mostly Metrics to get 20% off.Mercury is business banking built for builders, giving founders and finance pros a financial stack that actually works together. From sending wires to tracking balances and approving payments, Mercury makes it simple to scale without friction. Join the 200,000+ entrepreneurs who trust Mercury and apply online in minutes at https://www.mercury.comRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit https://www.rightrev.com and schedule a demo.Tipalti automates the entire payables process—from onboarding suppliers to executing global payouts—helping finance teams save time, eliminate costly errors, and scale confidently across 200+ countries and 120 currencies. More than 5,000 businesses already trust Tipalti to manage payments with built-in security and tax compliance. Visit https://www.tipalti.com/runthenumbers to learn more.Aleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalised demo at https://www.getaleph.com/runRillet is the AI-native ERP modern finance teams are switching to because it's faster, simpler, and 100% built for how teams operate today. See how fast your team can move. Book a demo at https://www.rillet.com/metrics#RunTheNumbersPodcast #FinanceLeadership #AIinBusiness #VentureCapital #SaaSMetrics This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cjgustafson.substack.com

Welcome to Episode 189 of the Xbox Hall of Gamers Podcast! This week we talk about what Sarah Bonds buzzwords might mean for the next Xbox, just how crazy a 30% profit margin is, and how Cameron needs a Balatro intervention. Every week, we discuss all things achievement hunting, Xbox news, and exclusive interviews with individuals across the Xbox Community. Hosted by a number of achievement hunting hosts, we welcome you to the Xbox Hall of Gamers! Keep up to date with the show and join our community on our Discord: https://discord.gg/ZvZr2a4vQeHelp support the show by joining our Patreon: https://www.patreon.com/hallofgamers

Minooka turned away Oswego East on its last-ditch effort to get into field goal range, hanging on to steal a 15-14 victory on the road, and securing a playoff spot in the process.Become a supporter of this podcast: https://www.spreaker.com/podcast/friday-night-drive--3534096/support.

Revenue looks great on paper, but you still feel broke. This disconnect between what the numbers show and what your bank account reflects is one of the most frustrating experiences for women entrepreneurs. You're working harder than ever, your sales are growing, yet somehow there's never enough left over to feel truly secure or to invest in the things that would actually move your business forward.   We so rarely have frank conversations about where money actually flows in our businesses. While the entrepreneurial world loves to talk about growing revenue and scaling teams, nobody's teaching you how to analyze whether your money is flowing through your business in a way that sets you up for profit or exhaustion.   Listen in this week as Eleanor walks you through the margin stack framework: four critical cost allocations between revenue and profit that tell the complete story of your business health. You'll discover why growing revenue without proper profit architecture leads to resentment and burnout, and exactly which numbers reveal whether you're building wealth or just feeding an expensive machine.   Get full show notes and more information here: https://safimedia.co/WO72   Connect with Eleanor on LinkedIn or Instagram: https://www.linkedin.com/in/eleanorbeaton/ https://www.instagram.com/eleanorbeaton/?hl=en

Join James and Amberlee Rich in this episode of the Steward Lab Podcast as they delve into the topic of 'Decluttering Your Calendar.' Listen in as they discuss the pitfalls of busyness, the importance of margin, and how to make the best use of your time. Reflect on how your calendar affects your spiritual life and discover practical steps to create a more manageable and fulfilling schedule. Resources Mentioned: Discovering Where Your Time Really Goes: A Personal Time Audit Experiment: https://www.richlivingcoaching.com/a-personal-time-audit-experiment/The Ruthless Elimination of Hurry by John Mark Comer: https://a.co/d/6984wSu Join our online coaching community: https://stewardlab.com/ Learn more about one-on-one coaching: http://richlivingcoaching.com/meet 00:00 Introduction and Welcome 00:44 Decluttering Your Calendar 02:22 The Importance of Time Audits 08:29 The Busy Trap 17:05 Creating Margin in Your Life 25:01 Focusing on the Best Yes 27:25 Experiment and Conclusion

How do you take an electrical company from a basement startup to $2 million in revenue, earn 15% net profit, and do it all completely debt-free — in just two years? Meet Mory and Clarissa Belle, founders of Doctor Electric in Lexington, Kentucky, and CertainPath members who did just that.  In this episode of The Successful Contractor, the Belles share how they went from burned out and overwhelmed to thriving business owners with a clear plan, powerful systems, and a rock-solid partnership — thanks to CertainPath. You'll learn how they scaled quickly, made key strategic changes, and built a company that reflects their values and vision.  Whether you're in HVAC, plumbing, electrical, or roofing, this story will inspire you and show you how fast success can happen when you follow a proven path.  

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: