Podcasts about maximize

I'm excited to have Povilas Sabaliauskas, the CEO of Pulsetto, joining me for Part 2 of a two-part series. In Part 1, Povilas explained what the vagus nerve is and how it acts as a necessary mental toothbrush for us. In Part 2 today, he discusses the Pulsetto device itself, the different models, and how it helps to boost hormones, reduce stress, and improve sleep.  Stay tuned until the end, where he offers a discount code so you can try the Pulsetto out for yourself. How to Maximize the Benefits of the Pulsetto  Use it twice daily  Use it consistently, as the benefits increase over time Do a session before bed for better sleep  Monitor your HRV, stress, and sleep with a wearable device to track your progress Bio: Povilas Sabaliauskas Povilas Sabaliauskas is the co-founder and CEO of Pulsetto, one of the fastest-growing wellness tech companies in the world.  A leader in non-invasive neuromodulation, Pulsetto is redefining how we approach stress, sleep, and recovery — through wearable vagus nerve stimulation backed by science and loved by high-performers around the globe.  With a background in tech and performance coaching, Povilas has become a passionate advocate for making cutting-edge wellness tools accessible to everyone — not just elite athletes or clinical patients.  Under his leadership, Pulsetto has partnered with leading researchers, completed clinical trials, and grown to over 100,000 users across Europe and the U.S. Povilas brings a unique mix of business strategy, biohacking curiosity, and real-world stress recovery insights — making him a fresh voice in the growing world of neuromodulation and mental resilience. In this episode: How 30 days of consistent Pulsetto use can reduce cortisol levels by almost 50% First-time Pulsetto users often report deeper sleep and vivid dreams How athletes use the Pulsetto to reduce pre-event stress and support their recovery Early data suggest that the Pulsetto can reduce inflammation and lower blood pressure The importance of using the Pulsetto daily to achieve noticeable results The benefits of wearable devices for tracking the effects of the Pulsetto How vagal stimulation can help manage insulin spikes Links and Resources: ⁠⁠⁠⁠Use Code FIBER to get 10% off GLP-1 Fiber Use code TURMERIC to get 10% off ⁠⁠⁠TURMERIC Calocurb Clinical — Appetite & Craving SupportA practitioner-exclusive, plant-based supplement designed to enhance your body's natural fullness signals (GLP-1 and PYY), helping reduce cravings and calorie intake. Available only through clinics such as the Integrative Health and Hormone Clinic.Visit us or order here: https://ihhclinic.com/ Guest Social Media Links: Povilas Sabaliauskas on LinkedIn  Pulsetto Device on YouTube  YouTube: Immediate Relief from Stress & Burnout with Pulsetto and CEO Povilas Sabaliauskas YouTube: How to Reduce Stress and Calm Your Nervous System in Just 4 Minutes using a New Device Relative Links for This Show: Use the code Dr. Stephanie Gray for 10% off Follow Your Longevity Blueprint  On Instagram| Facebook| Twitter| YouTube | LinkedIn Get your copy of the Your Longevity Blueprint book and claim your bonuses here Find Dr. Stephanie Gray and Your Longevity Blueprint online   Follow Dr. Stephanie Gray  On Facebook| Instagram| Youtube | Twitter | LinkedIn Integrative Health and Hormone Clinic Podcast production by Team Podcast

Are you activating all the muscle fibers in your workout, or are you leaving gains on the table? Amy Hudson and Dr. James Fisher continue their deep dive into the Principles of Exercise Design. In today's episode, they break down muscle fiber recruitment; why it matters, how your body decides which fibers to use, and what that means for your strength. They cover the Size Principle, the importance of continuous muscular loading, and how to structure your workout to reach the fibers that actually drive growth and performance. Dr. Fisher explains the All-or-Nothing theory and why your muscles are either fully "on" or fully "off."  He breaks down how your body only recruits the exact fibers needed for the task in front of you. Knowing this helps you understand why you need higher effort to see real strength gains. Dr. Fisher explains that Type 1 fibers are cheap to use, so your body loves using them first. They handle endurance but don't give you the strength you want. He shows how pushing harder in the gym is what finally taps into Type 2 fibers. Learn why Type 2 fibers are powerful but expensive for your body to use. They fatigue quickly, so your system avoids them unless you give a strong stimulus. But once you activate them, that's when real growth and strength improvements happen. Dr. Fisher explains how your nervous system recruits muscle fibers from smallest to largest. It's your body's way of protecting energy while still meeting the force demands of your workout. Amy highlights how the body is constantly trying to conserve energy. That means it avoids using high-cost muscle fibers unless absolutely necessary. Dr. Fisher shares why multiple-set training often fails to push you to true effort. When you simply count reps, you usually stop far short of full muscle recruitment. So, you're leaving huge results on the table without even realizing it. Amy covers why resting between sets resets the whole muscle recruitment process.  Once your Type 1 fibers recover, your body goes right back to using them first. And that makes it harder for you to reach those high-impact Type 2 fibers that drive strength. Amy highlights that if full muscle fiber recruitment is the goal, you don't want to stop and restart the process over and over. Every pause delays that final layer of activation. And that delay means slower strength gains and less efficient workouts. Dr. Fisher covers why eccentric loading is such a game-changer in strength training. We're naturally stronger on the lowering phase, but most equipment doesn't challenge us there. When you finally load that phase properly, you maintain deeper fiber recruitment for longer. Dr. Fisher shares how exerbotics devices keep you working harder during the eccentric phase instead of giving you a break.  Amy and Dr. Fisher cover the biggest benefit of working with a personal trainer. With expert guidance and efficient workouts, you can achieve better results more quickly than you might on your own. Dr. Fisher explains why walking and jogging are great for general health but not enough for full muscle recruitment. Amy highlights that losing Type 2 fibers is the real reason people feel weaker, less balanced, and less stable over time. These fibers are the ones responsible for power and functional strength. Amy covers the importance of eccentric training and how it helps you get more out of every rep. When you challenge the lowering phase, you keep more fibers active for longer. And that translates into faster progress with less time spent working out. Dr. Fisher explains that strength training only works when you recruit all available fibers. Multi-set training often delays this because you keep letting fibers rest between rounds.  Dr. Fisher explains how a personal trainer can guide you to hit the right muscle fibers every time. Most people lift without fully recruiting the fibers that actually build strength and shape. With the right guidance, you maximize every rep for faster, noticeable results. Amy highlights that your main job in a workout is simple. Recruit the fibers. When you keep them loaded continuously at the right effort, everything changes.     Mentioned in This Episode: The Exercise Coach - Get 2 Free Sessions! Submit your questions at StrengthChangesEverything.com     This podcast and blog are provided to you for entertainment and informational purposes only. By accessing either, you agree that neither constitute medical advice nor should they be substituted for professional medical advice or care. Use of this podcast or blog to treat any medical condition is strictly prohibited. Consult your physician for any medical condition you may be having. In no event will any podcast or blog hosts, guests, or contributors, Exercise Coach USA, LLC, Gymbot LLC, any subsidiaries or affiliates of same, or any of their respective directors, officers, employees, or agents, be responsible for any injury, loss, or damage to you or others due to any podcast or blog content.

New tax laws are on the horizon—and they could significantly influence the way you give. The recently passed One Big, Beautiful Bill Act (often shortened to the OBBBA) introduces several changes that affect charitable givers today and in the years to come. To help unpack these shifts, we sat down with Bruce McKee, attorney and Senior Vice President of Complex Gifts at the National Christian Foundation (NCF).What the OBBBA Actually DoesDespite its cheerful name, the OBBBA carries serious implications for donors. Bruce explains that the bill makes permanent many provisions that were originally scheduled to expire at the end of 2025 under the 2017 Tax Cuts and Jobs Act. Key extensions include:Higher standard deductionsHigher estate tax exclusionsNew deduction floors for charitable giftsA new limit on itemized deductionsExtended business deductionsUpdated rules for university endowment taxesThese changes will affect different givers differently, but nearly everyone will feel the impact of the new standard deduction.The Standard Deduction Gets Bigger—AgainThis update alone affects roughly 90% of taxpayers.The OBBBA permanently extends the increased standard deduction and even boosts it for the 2025 tax year:Individuals: $15,750Married couples filing jointly: $31,500Because the standard deduction is now higher, fewer people will itemize. And when giving is lumped under the standard deduction, charitable gifts are no longer deductible.But there's a powerful workaround.If you want to maximize your tax benefits while maintaining your giving rhythms, “bunching” can help. Bunching means:Grouping several years' worth of charitable gifts into a single tax yearItemizing in that year, instead of taking the standard deductionUsing a donor-advised fund (DAF)—such as an NCF Giving Fund—to distribute gifts gradually over future yearsA giving fund works like a charitable checking account—a powerful tool for strategic, tax-efficient generosity. Bunching is especially impactful when paired with gifts of appreciated assets.New Charitable Deduction Floors Coming in 2026Beginning in 2026, charitable deductions will include a “floor”—a small portion of giving that won't be deductible at all.For IndividualsOnly the amount of charitable giving above 0.5% of your Adjusted Gross Income (AGI) will be deductible. Here's an example:AGI = $200,0000.5% floor = $1,000Whether you give $20,000 or $40,000, the first $1,000 is not deductible.For CorporationsA similar rule applies, but the floor is 1% of taxable income.Why This MattersThis floor means that givers with large AGIs—especially in high-income years—should consider giving earlier, before 2026 arrives. Strategic timing will matter more than ever.Even high-capacity donors who itemize may benefit from bunching in alternating years.New Limits on Itemized DeductionsThe OBBBA also introduces a “haircut” affecting all itemized deductions—not just charitable ones.Because the highest tax bracket (37%) is now permanent, itemized deductions typically reduce income taxed at that rate. But beginning in 2026:Deductions in the highest bracket will be valued at 35 cents per dollar, not 37.It's a relatively small shift, but it slightly increases tax liability and adds another layer of planning complexity. Once again, Bruce recommends intentionally reviewing giving strategies before the 2025 year closes.Estate and Gift Tax Exclusions: Higher and More StableThe OBBBA also stabilizes estate planning by raising the estate and gift tax exemption to:$15 million per individual$30 million for married couplesThese thresholds—once set to sunset back to near half—are now permanent (as permanent as tax law can be). This gives families greater clarity as they plan inheritances and consider charitable tools like trusts or family foundations.When people settle their estate planning, it often helps them focus their hearts on where God is calling them to give—what Ron Blue usually describes as “giving while you're living so you're knowing where it's going.”Good News for Non-Itemizers: The Above-the-Line Charitable Deduction ReturnsBeginning soon, non-itemizers will be able to deduct modest charitable amounts:$1,000 for individuals$2,000 for married couples filing jointlyThis applies to cash gifts made to churches and public charities. It's a welcome incentive for households that rely on the standard deduction.Navigating Change with WisdomThe tax landscape may shift, but God's call to generosity never does. Thoughtful planning ensures you can give joyfully, efficiently, and impactfully.If you want to steward God's resources with greater intentionality, a Giving Fund through the National Christian Foundation can help you:Maximize tax benefitsSimplify your givingSupport ministries you loveInvest funds for future generosityYou can open one in just a few minutes at FaithFi.com/NCF.On Today's Program, Rob Answers Listener Questions:My husband and I are turning 68 and need to move from our two-story home into a one-story house. We're considering new construction, but we'd either need a small mortgage or withdraw $50–60,000 from our 401(k). Our income is stable—he gets $3,000 from Social Security, and I make about $2,000. We manage fine month to month. Which option makes more sense?I'm 73, single, living on Social Security with excellent credit and no debt besides a small monthly charge card. I'm looking into either a HELOC or another home-equity option so I can access some of my home's value to help others before I pass away. What's the best way to proceed?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)The National Christian Foundation (NCF) 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.

I'm very excited to welcome Dr. Joey Muñoz to the show today. Dr. Muñoz holds a PhD in Nutritional Sciences from Florida State University, and his research explores the connection between specific foods and the prevention of diseases like osteoporosis and diabetes. In this episode, we discuss some powerful ways to maximize muscle growth and sustain weight loss, the habits stopping you from losing fat and getting lean, the best hack to satisfy hunger throughout the day,  and how to be sure you're hitting your protein targets. And perhaps most importantly, we talk about the importance of developing realistic and sustainable habits that will move you towards your goals. Dr. Joey is a wealth of knowledge, so get yourself ready for this conversation by grabbing a notepad!Suggested Resources:Joseph Muñoz | InstagramJoseph Muñoz | YouTubeEnergy Balance Model of Obesity: Beyond Calories In, Calories Out | The American Journal of Clinical Nutrition | Oxford AcademicHow Do Protein & Fiber Work Together? | Week&Impact of Post-Meal and One-Time Daily Exercise in Patient With Type 2 Diabetes Mellitus: A Randomized Crossover Study | PMCNutrition and Muscle Protein Synthesis: A Descriptive Review | PMCHabit Stacking: The One Tool You Need to Build Better Habits | Verywell FiProtein Digestibility Corrected Amino Acid Score | WikipediaMetabolic Adaptations to Weight Loss | PMCBMR CalculatorSend me a text!This episode is proudly sponsored by: SizzlefishLet's talk about fueling your body with the best nature has to offer. If you're looking for premium, sustainable seafood delivered straight to your door, you need to check out Sizzlefish! Head to sizzlefish.com and use my code “wellnstrong” at checkout for an exclusive discount on your first order. Trust me, you're going to taste the difference with Sizzlefish!Join the WellnStrong mailing list for exclusive content here!Want more of The How To Be WellnStrong Podcast? Subscribe to the YouTube channel. Follow Jacqueline: Instagram Pinterest TikTok Youtube To access notes from the show & full transcripts, head over to WellnStrong's Podcast Page

Kent Overstreet joins us for a full update on bcachefs. What's new, what's next, and the surprising upside of getting kicked out of the kernel.Sponsored By:Managed Nebula: Meet Managed Nebula from Defined Networking. A decentralized VPN built on the open-source Nebula platform that we love. 1Password Extended Access Management: 1Password Extended Access Management is a device trust solution for companies with Okta, and they ensure that if a device isn't trusted and secure, it can't log into your cloud apps. CrowdHealth: Discover a Better Way to Pay for Healthcare with Crowdfunded Memberships. Join CrowdHealth to get started today for $99 for your first three months using UNPLUGGED.Unraid: A powerful, easy operating system for servers and storage. Maximize your hardware with unmatched flexibility. Support LINUX UnpluggedLinks:

Winter is NOT the season of weight gain, low motivation, and hibernation. Not for us. Not anymore. In fact, winter might just be the best season for fat loss, better habits, and getting stronger—if you know how to use it to your advantage.” Today we're taking three winter “struggles” and flipping them into winter superpowers. Because women over 50? We are DONE letting short days and chilly weather boss us around. We're going to talk hydration, staying active outside, and shifting your mood and motivation during the darker months. And I'll show you how each fits beautifully into the FASTer Way lifestyle. ENROLL in my next FASTer Way to Fat Loss® online class at https://www.fasterwaycoach.com/AMYBRYAN  CONNECT with Amy Bryan here: www.linktr.ee/amybryanfasterway   

Shopify went dark on Cyber Monday. Amazon glitched and wiped deal badges across Black Friday and Cyber Week. Sellers relying on one platform got crushed. But diversified brands kept growing because TikTok, Shopify, Amazon, and email all picked up the slack.Factories across China and Vietnam are now slowing down early ahead of Lunar New Year, which means your Q2 inventory window is already shrinking. TikTok Shop continues its retail takeover, and AI is rewriting the rules for product discovery, listing visibility, and who gets recommended.In today's Week in Review, you'll hear what actually happened inside Shopify and Amazon during the meltdown, how operators protected their revenue, what you must do before January hits, and why 2026 will reward brands who diversify and think like CEOs, not dabblers.✅ Do not wait on inventory. China and Vietnam are already winding down for Lunar New Year. If you don't finalize orders soon, your production moves into April or May.✅ Shopify crashed and Amazon glitched deals. Operators with omnichannel setups absorbed the hit. Single-channel sellers got wrecked.✅ Maximize profits in December instead of scaling losers. Double down on your highest-converting SKUs, best reviews, and fastest shipping.✅ TikTok to Amazon is the new performance pipeline. UGC targeting Amazon searches drove major lifts last week.✅ AI is the new e-commerce gatekeeper. AI agents are scraping, rewriting, and interpreting your listings. Machine-friendly listings now determine visibility.

What if the real problem isn't your willpower, but your timing?Today we dive into a very practical exploration of how your brain shifts across the day, and how to design a life that cooperates with those shifts instead of fighting them.  From the morning's high executive function to the evening's predictable crash, we unpack why your 9 a.m. self feels like a sharp CEO while your 9 p.m. self behaves like a tired intern, and how to use that predictability to your advantage.  We break down the predictability principle and share accessible, battle-tested tools that remove decision friction when you're depleted. You'll hear how to apply “system over hope” in real life.  Then we get strategic about the high points. Guard your mornings for high-friction work like writing, strategy, complex learning, difficult conversations, when focus and clarity peak. Shift afternoons to nudge tasks like email, scheduling, and admin, so your best hours serve your most important goals. We also show why coaches wire new habits to early slots for dramatically better odds, and how to run a simple audit: identify where you're pushing against your biology, realign tasks to your energy, and install one small system tonight to help your future self succeed.  If you're ready to reduce regret, increase follow-through, and build kinder systems that work even when you're tired, this conversation is your playbook. Listen, try one tool today, and tell us: which habit are you moving to your morning slot? Subscribe, share with a friend who overplans mornings and underdoes nights, and leave a review with your biggest takeaway.  Text Me Your Thoughts and IdeasSupport the showBrought to you by Angela Shurina Behavior-First, Executive, Leadership and Optimal Performance Coach 360, Change Leadership & Culture Transformation Consultant

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 1893: Brian Tracy outlines seven proven principles that empower business owners to boost profitability regardless of market conditions. From visionary leadership to crafting exceptional customer experiences, these time-tested strategies help entrepreneurs focus on what truly drives long-term success and sustainable growth. Read along with the original article(s) here: https://briantracy.com/blog/general/7-principles-to-maximize-your-profits-in-any-market/ Quotes to ponder: "The best businesses have the best leaders, at every level." "Your ability to interview, select, hire and deploy excellent people is the control valve on your success in business." "Nothing happens until a sale takes place."

Tune in as the team discusses:How Fred used AI to cut massive mailing expenses while maintaining (and often improving) deal flowWhy machine learning removes human assumptions and eliminates bias in seller targetingWhich demographic trends and owner behaviors indicate someone is ready to sellHow AI can turn a large mailing campaign into a smaller, more profitable listThe difference between language model “hallucinations” and supervised machine learningWhy both individual owners and entities like LLCs and schools can now be scored accuratelyWhy scrubbing your list manually is a costly mistake that can eliminate hidden opportunitiesHow smarter mail targeting reduces financial waste and environmental impactWhy data—not emotion—is the key to consistent, scalable land investing successTIP OF THE WEEK“Data, not trauma. Stop making decisions based on assumptions or past emotional experiences. Let the numbers tell you what's real.” — Scott Bossman“Don't be a land snob. If the numbers work, there's a buyer. Weird properties still sell when you get them at the right price.” — Mike Zaino“Momentum matters. Use tools that remove busywork so you can stay consistent. Efficiency creates deal flow.” — Jon BurnettWANT MORE?Enjoyed this episode? Dive into more episodes of AOPI to discover how to build real passive income through land investing.UNLOCK MORE FREE RESOURCES:Get instant access to my free training, a free copy of my Bestseller Dirt Rich Book, and exclusive bonuses to accelerate your land investing journey—it's all here: https://thelandgeek.ac-page.com/Podcast-Linktree."Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"

The temptation to get something for nothing, whether it be knowledge, riches, or power has plagued individuals since the dawn of time. Examples from the Garden of Eden, Wall Street, Main Street, and election results across the country are easy to find as people long for quick-fixes and easy answers to their problems. However, history has shown us that depending on government to provide needs only leads to increased dependency and a loss of freedom. With that in mind, the focus of this episode is the recent mayoral race in New York City which has led to great speculation about the loss of liberty expected for New Yorkers if the new mayor's policies are enacted. Linda's guest, Eric Michael Anton, Senior Managing Director at Marcus & Millichap, has lived and worked in the heart of the city nearly all his life and provides first-hand insight regarding the effects of public policy on business and quality of life in the city. He also provides examples on how to support American values in a diverse, world-class city that is often polarized politically.  ©Copyright 2025, Prosperity 101, LLC __________________________________________________________ For information about our online course and other resources visit: https://prosperity101.com To order a copy of Prosperity 101 – Job Security Through Business Prosperity® by Linda J. Hansen, click here: https://prosperity101.com/products/ Become a Prosperity Partner: https://prosperity101.com/partner-contribution/ If you would like to be an episode sponsor, please contact us directly at https://prosperity101.com. You can also support this podcast by engaging with our Strategic Partners using the promo codes listed below. Be free to work and free to hire by joining RedBalloon, America's #1 non-woke job board and talent connector. Use Promo Code P101 or go to RedBalloon.work/p101 to join Red Balloon and support Prosperity 101®. Connect with other Kingdom minded business owners by joining the US Christian Chamber of Commerce. Support both organizations by mentioning Prosperity 101, LLC or using code P101 to join. https://uschristianchamber.com Mother Nature's Trading Company®, providing natural products for your health, all Powered by Cranology®. Use this link to explore Buy One Get One Free product options and special discounts: https://mntc.shop/prosperity101/ Unite for impact by joining Christian Employers Alliance at www.ChristianEmployersAlliance.org and use Promo Code P101. Support Pro-Life Payments and help save babies with every swipe. Visit www.prolifepayments.com/life/p101 for more information. Maximize your podcast by contacting Podcast Town. Contact them today: https://podcasttown.zohothrive.com/affiliateportal/podcasttown/login Check out VAUSA, America's choice for virtual assistants- https://hirevausa.com/connect" Thank you to all our guests, listeners, Prosperity Partners, and Strategic Partners. You are appreciated!   The opinions expressed by guests on this podcast do not necessarily represent those held or promoted by Linda J. Hansen or Prosperity 101, LLC.

Explore how what we eat affects our brain and body, and how food, stress, and gut health are all connected. Discover how staying hydrated, eating a variety of foods, and having the right mindset can make a big difference. Get in touch Visit us at tignum.com Email us at contact@tignum.com Think clearer. Show up better. Maximize impact.

Maximize your fantasy team's potential with our expert analysis of the top nba waiver wire pickups for Week 7. Discover key waiver wire adds and gain an edge over your league mates. We provide essential nba fantasy tips and highlight some fantasy basketball sleepers to boost your roster. Improve your fantasy strategy and climb the fantasy basketball rankings! Join Our FREE Community: https://www.bleavinfantasy.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As the BFCM dust settles, it's time to plan for Q4 and 2026. We're offering you 30 monthly deliverables, 10 ad types, media buying, and access to Tier 11's data suite to help you maximize profits with Meta ads.Claim your Creative Diversification Package at: https://www.tiereleven.com/cd Record Black Friday sales don't mean anything if you shredded your margins to get there. In this episode, we reveal the hidden metrics behind a profitable BFCM, from average order value segmentation to subscription velocity and discount impact. Lauren shares the three buyer groups you must analyze to understand whether you actually grew or silently lost money. You'll also learn what to do right now to turn BFCM buyers into profitable repeat customers in Q4 and beyond. In This Episode:- Black Friday success myths- How to measure Black Friday success- Creating a profitable seasonal offer- Segmenting and retargeting your BFCM buyers- Selling to Costco vs. Walmart buyers- Preparing offers for Q4 and 2026 Mentioned in the Episode:Marketing Performance Indicators Checklist: https://perpetualtraffic.com/mpi/ Listen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube: https://www.youtube.com/@perpetual_traffic?sub_confirmation=1We Appreciate Your Support!Visit our website: https://perpetualtraffic.com/ Follow us on X: https://x.com/perpetualtraf Connect with Ralph Burns: LinkedIn - https://www.linkedin.com/in/ralphburns Instagram - https://www.instagram.com/ralphhburns/ Hire Tier11 - https://www.tiereleven.com/apply-now Connect with Lauren Petrullo:Instagram - https://www.instagram.com/laurenepetrullo/LinkedIn - https://www.linkedin.com/in/laurenpetrullo Consult Mongoose Media - https://mongoosemedia.us/ Mentioned in this episode:https://www.activecampaign.com/Next Insurance

Dec 1, 2025 – As year-end approaches, prioritize Roth conversions before December 31st to capitalize on low tax rates. Complete critical actions like 529 contributions, gifting, RMDs, and charitable distributions by year-end to ensure tax benefits...

Are you building a business you could sell tomorrow, or are hidden mistakes quietly draining its value?In this episode, Bill joins a roundtable discussion with host Peter Levy, and other powerhouse leaders, including M&A dealmaker Alan Sharfstein, serial entrepreneur Bill Bartzak, strategic advisor Bill Barrett, and hands-on exit veteran John Peck. Together, they deconstruct the most urgent and overlooked truths about navigating the sale of your business, from killer red flags and ruthless buyer tactics to essential “owner's playbooks” for every stage.If you're tempted to DIY your deal, break this habit now. Tune in to protect your life's work, avoid devastating oversights, and hear real-world insights you won't find anywhere else. Listen now before the next buyer knocks. By then, you need to be ready.Timestamped Highlights[00:11] – The candid, emotional question that every seller must dare to ask[07:39] – How legendary entrepreneurs survived—and thrived—by switching lanes[09:47] – Why today's M&A market is exploding with both risk and opportunity[14:00] – The one “secret mentor” move that multiplies your business value overnight[21:27] – Shocking? How recurring revenue rewrites your exit story…or kills it[27:20] – The DIY disaster: True stories of owners who left millions on the table[34:07] – The “reverse diligence” test: Are you the buyer…or being bought?[41:12] – Fatal red flags, stealthy earnouts, and the non-negotiables in every deal[48:48] – When to bring your team into the trust circle—and how to handle it[54:28] – How top buyers quietly poach your secrets…and how to block themAbout the SpeakersPeter Levy is Senior Counsel at Mandelbaum Barrett, where he has called home for the past 11 years. As a trusted legal advisor and frequent moderator, Peter brings deep experience and pride in representing one of the finest law firms in the industry. With a longstanding reputation for strategic insight and an engaging, client-centered approach, Peter regularly facilitates panels and seminars for business owners, focusing on topics like exit strategies, business transitions, and personal growth within entrepreneurial careers. His perspective incorporates lessons from leading experts, blending practical business advice with inspiration from renowned thought leaders.

Just because BFCM is over doesn't mean the holiday shopping season is. In fact, over HALF of holiday shoppers still have gifts to buy. So if you're already winding down your promos and marketing... pump the brakes, my friend. There is STILL time to make more money this season—and this episode is your game plan. I'm walking you through 5 powerful strategies to capture those last-minute buyers and keep the revenue rolling in well past Christmas. Whether you're running solo or have a full team, there are ideas in here you can implement TODAY to bring in more sales. Think specialized email campaigns, cross-sells, gift card promos, and tapping into your local market. We're getting scrappy and strategic to finish Q4 strong. Listen in and get the motivation and tactics you need to keep showing up and selling. There's still so much potential left in this season.   What We'll Cover: The one thing you MUST do, even if you ignore everything else How to increase AOV without discounting Smart email strategies to drive repeat buys How to attract last-minute shoppers Creative ways to promote gift cards What to do AFTER Christmas to keep making sales   _______   Holiday Podcast Episodes & Resources http://ecommercebadassery.com/holidaypodcast   _______ Full Episode Show Notes http://ecommercebadassery.com/355   _______   Let's Connect Website: http://ecommercebadassery.com Instagram: http://instagram.com/ecommercebadassery Membership: http://ecommercebadassery.com/membership   _______   Rate, Review, & Subscribe Like what you heard? I'd be forever grateful if you'd rate, review and subscribe to the show! Not only does it help your fellow eCommerce entrepreneurs find the eCommerce Badassery podcast; but it's also valuable feedback for me to continue bringing you the content you want to hear.    Review Here: https://podcasts.apple.com/us/podcast/ecommerce-badassery/id1507457683  

This message explores how the grace of God isn't just a gift—it's a force that can increase, multiply, and empower every part of your life when you learn how to maximize it. Pastor Ernst Cochy unpacks what Scripture teaches about grace as divine enablement, the supernatural advantage that causes you to rise, overcome, and succeed. You'll hear how grace operates, why it increases or decreases, and how awareness and obedience position you to receive more of it. Discover why your time, your opportunities, and even your ability to change are expressions of God's grace already at work. Pastor Ernst walks through foundational passages like John 1:14–16 and 2 Corinthians 6:1–2 to show that God is constantly pouring grace on you—but it's your responsibility to discern the moment, cast your cares instead of carrying them, acknowledge the Lord continually, and take bold steps that activate His empowerment. If you've felt stuck, strained, or slowed down, this message will challenge you to shift your focus from yourself to the grace of God—the power steering of the believer's life. Expect practical teaching, strong exhortation, and spiritual clarity that will help you reign in your emotions, your decisions, and your future. Listen and step into the next level of grace God has made available to you   We are thrilled to have you with us! Join us every Sunday at 11 AM for a powerful time of worship, teaching, and community. Our current gathering location is:

Local auto mechanics share what they know about EV battery life and winter maintenance for electric cars and trucks.

Today is Giving Tuesday https://www.givingtuesday.org/, which strategically falls toward the end of the year, providing the last chance to take advantage of tax benefits for charitable giving for the year. This week, Biz Talks welcomes Shayna Lear Harvey, partner and president of Wealth Management fro JECohen. She shares the new rules for giving for 2025, what changes are coming for 2026 and four ways you can maximize your giving right now.

We pull on a few loose threads from recent episodes, and some of them unravel into way more than we expected.Sponsored By:Managed Nebula: Meet Managed Nebula from Defined Networking. A decentralized VPN built on the open-source Nebula platform that we love. 1Password Extended Access Management: 1Password Extended Access Management is a device trust solution for companies with Okta, and they ensure that if a device isn't trusted and secure, it can't log into your cloud apps. CrowdHealth: Discover a Better Way to Pay for Healthcare with Crowdfunded Memberships. Join CrowdHealth to get started today for $99 for your first three months using UNPLUGGED.Unraid: A powerful, easy operating system for servers and storage. Maximize your hardware with unmatched flexibility. Support LINUX UnpluggedLinks:

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions walk through a practical, easy-to-follow year-end financial checklist to help you finish the year strong and set up a successful year ahead. Jim and Casey cover ten items every household should review before December 31st — They explain why each step matters, what most people overlook, and how small adjustments now can make a big impact on your long-term retirement plan. Whether you're nearing retirement or still building toward it, this is a simple and actionable guide to making sure your financial life is aligned and prepared for the coming year. http://retirewithmartin.com/ ← Learn about working with us www.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why year-end planning matters 01:34 – What to review before December 31 03:18 – Checklist Item #1: Review your tax situation 04:24 – Checklist Item #2: Take your RMDs 05:06 – Checklist Item #3: Maximize retirement contributions 05:56 – Checklist Item #4: Harvest gains & losses wisely 07:20 – Checklist Item #5: Give strategically  08:15 – Checklist Item #6: Review your portfolio & rebalance 09:05 – Checklist Item #7: Check beneficiaries & estate documents 10:10 – Checklist Item #8: Review your insurance coverage 10:45 – Checklist Item #9: Review long-term care insurance 11:05 – Checklist Item #10: Set next year's financial goals 13:10 – Q&A with Casey 15:25 – Final thoughts & takeaways Disclaimer: Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

The Weekly Blitz is brought to you by our friends over at Shop Marketing Pros. If you want to take your shop to the next level, you need great marketing. Shop Marketing Pros does top-tier marketing for top-tier shops. Click here to learn more about Top Tier Marketing by Shop Marketing Pros and schedule a demo: https://shopmarketingpros.com/chris/Check out their podcast here: https://autorepairmarketing.captivate.fm/If you would like to join their private facebook group go here: https://www.facebook.com/groups/autorepairmarketingmastermind

In this episode, the FBA University boys discuss how best to maximize your Q4 sales!

Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk.   Nvidia CEO, Jensen Huang, recently stated, "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing.   The US State Department has warned that mass migration poses an "existential threat" to Western civilization.   HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America.   Only 30% of 2025 graduates and 41% of 2024 graduates have found entry-level jobs in their fields, per Forbes. Why are we still importing over one million foreign workers annually?

In this episode, Brandon Pierpont goes beyond ad tactics and shows painting contractors how to turn attention into revenue. Live from PCA's Women in Paint, he breaks down winning Meta ads (CPM, conversion, creative that drives engagement), the “micro-sales” inside your sales process (speed-to-lead, pre-estimate value, selfie confirmations), and the review, referral, and neighborhood-take-rate plays that compound ROI. Practical, no-fluff steps to lower CPL, raise close rates, and build a profitable growth engine.

On the Self-Publishing with ALLi podcast, Campaigns Manager Matty Dalrymple interviews Hannah Jacobson about how indie authors can find and make the most of book awards. Their conversation covers everything from spotting red flags and budgeting for entry fees to using nominations and wins to boost visibility, strengthen a book's metadata, and open doors to opportunities like BookBub Featured Deals. Jacobson, founder of Book Award Pro, also explains how awards can support authors at any stage of their publishing journey and offers practical tips on sharing award news without sounding self-promotional. Find more author advice, tips, and tools at our Self-publishing Author Advice Center, with a huge archive of nearly 2,000 blog posts and a handy search box to find key info on the topic you need. And, if you haven't already, we invite you to join our organization and become a self-publishing ally.

Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/BrazilDiscover how to explore Brazil using points and miles with our complete guide to flights, hotels, and the best times to visit. We cover essential safety tips in Rio de Janeiro, where to find the best views including Christ the Redeemer, a points property with incredible scenery, must try foods, and unforgettable local experiences.Thank you to Michael from https://www.instagram.com/passportsandpenne for joining us as a guest co-host!Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: http://go.www.letsgettothepoints.com/CreditCardsSign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Seats.aero: Award Flight Search EngineUse Code: LETSGETPRO for $20 off the first yearhttps://seats.aero/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:11 Brazil on Points and Miles5:18 Flights to Brazil on Points and Miles22:54 Hotels in Brazil on Points32:45 Safety Tips for Brazil33:43 The Best Food and Experiences in BrazilLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

In this Black Friday-themed episode of the Simple and Smart SEO Show, Crystal Waddell welcomes John Hogan, co-founder of Grid and Pixel. We dive deep into how e-commerce businesses, especially those on Shopify, can use personalized and fully automated email flows to drive more revenue. Learn the secrets to converting visitors with targeted popups, the importance of various email flows (including abandoned cart, product browse, and post-purchase), and how Grid and Pixel streamlines everything with AI. Whether you're a seasoned email marketer or just starting out, this episode is packed with practical tips for boosting Black Friday and year-round sales.Key Takeaways:Automated Email Wins: Grid and Pixel helps brands automate both email campaigns and flows for increased sales and reduced workload.Email Flows Matter: Key flows like welcome series, abandoned cart, and post-purchase emails can significantly boost revenue.Personalization Drives Conversions: Tailored product recommendations and content outperform generic blasts.Shopify Email vs Klaviyo: Shopify email works for automations but struggles with high bounce rates in campaigns—Klaviyo or Omnisend are stronger choices.Time-Saving AI: Grid and Pixel acts like an AI-powered marketing assistant, reducing the need for costly agencies.Episode Highlights:"We realized quickly that store owners didn't want to implement email marketing themselves. They either didn't have time or didn't want to learn." – John Hogan"A product browse email can drive as much revenue as abandoned checkout emails over time." – John Hogan"Shopify email has a bounce problem—it's great for automations, but campaigns can get shut down due to high bounce rates." – John HoganListener Action Items:Audit Your Email Flows: Review whether you've set up all the essential flows—welcome series, abandonments, post-purchase, win-backs, etc.Test New Opt-in Offers: Swap out tired 10% discoText me your questions or comments!Does SEO feel confusing, overwhelming, or just plain impossible to figure out? You're not alone. That's why I created the AI SEO Foundations course, powered by Crystal GPT: your personal AI SEO coach designed for busy, creative business owners like you.Ditch the overwhelm and discover what SEO can do for your business! Head to SEOin7days.com (with the number 7!) and get started today—let's make your brand easy to find and impossible to ignore.Support the showBook a Shopify Store Strategy Call With Crystal! Want to follow up on what you've heard? Search the podcast! AFFILIATE LINKS:Start your Shopify Store!Get SurferSEO! Metricool (to be everywhere online, you NEED a social media scheduler!) Grid and Pixel Note: If you make a purchase using some of my links, I make a little money. But I only ever share products, people, & offers I trust & use myself!

Matt Koop, Vice President and Founder of The New Flat Rate, brings decades of experience in home service contracting, having worked his way up from service technician roles in plumbing, electrical, and HVAC. Through deep industry insight and innovation, Matt helps contractors maximize profits, build customer trust, and prevent burnout by adopting modern, proactive service strategies. His company's automatic presentation systems empower contractors to close jobs faster, provide consistent pricing, and offer premium options that address customers' long-term needs—not just immediate fixes. Matt's mission centers on empowering contractors to support their families, maintain stable finances, and do work they are proud of, all while delivering real value to homeowners. In this episode of Marketer of the Day, Matt shares how the information age changed the home services landscape—forcing contractors to adapt as savvy customers search for answers online and question traditional approaches. He explains the pitfalls of product-focused “good, better, best” options and introduces his proven system for presenting five tailored options for every job, ensuring both customer satisfaction and increased profitability. Matt's practical stories highlight the importance of proactive solutions, transparent communication, and aligning pricing with true business costs to create stable, thriving businesses that support contractors and their families. Quotes: “People want to buy the future. It's not just about solving a current problem, but about preventing the next one.” “In a confused mind, the answer is always no. Our job isn't just to educate, but to present options customers can understand and choose confidently.” “What got you here won't get you there. Contractors must adapt to today's market and rethink how they deliver value.” Resources: Visit Matt Koop's Website Connect with Matt Koop on LinkedIn Connect with Mark Koop on Facebook Follow Matt Koop on Instagram

In this episode, the host interviews Josh Gibson, founder of Sojourn Group Consulting, about strategies for growing e-commerce sales on marketplaces like Amazon and Walmart. Josh shares expert tips on protecting profit margins, optimizing product listings, leveraging Amazon's NARF program for international expansion, and efficiently managing inventory shipments. He discusses the benefits and challenges of expanding to Walmart and other platforms, emphasizes the importance of strong team communication, and recommends trusted industry resources. The episode concludes with actionable takeaways for maximizing sales and diversifying channels for long-term growth.Chapters:Introduction to Josh Gibson and Sojourn Group Consulting (00:00:00)Overview of Josh's background, company focus, and personal life.Protecting Margins on Amazon: Categories, Weights, and Inbound Shipments (00:01:15)Importance of tracking product categories, weights, dimensions, and optimizing inbound shipments to protect margins.Challenges of Managing Amazon Shipments and Auditing (00:02:19)Issues with Amazon's inventory reconciliation and the need for ongoing auditing to avoid losses.Prioritizing Marketplace Expansion and Expected Sales Lift (00:03:10)Discussion on which marketplaces to expand to first and typical sales lift percentages.Expanding with Amazon NARF (North America Remote Fulfillment) (00:03:50)How NARF enables easy expansion to Canada and Mexico, and the expected 7% sales lift.Considering Deeper International Expansion (00:04:53)When to consider establishing a physical presence in Canada or Mexico for further growth.Selling on Walmart Marketplace: Opportunities and Challenges (00:04:53)Walmart's marketplace growth, operational challenges, and the shift to Walmart Fulfilled Services.Walmart Advertising and Early-Stage Advantages (00:05:49)Opportunities in Walmart's less competitive ad platform and strategies for early success.Walmart Sales Lift and Rural Market Penetration (00:06:56)Typical 5–10% sales lift on Walmart, with strong performance in rural and Midwest areas.Three Actionable Takeaways for Marketplace Sellers (00:08:49)Maximize success on your primary channel.Fully optimize listings, especially for mobile.Expand to new marketplaces after optimizing the first.Optimizing Amazon Listings for Mobile and Conversion (00:09:48)Detailed tips for optimizing titles, images, videos, and A+ content for better conversion.Expanding to Additional Marketplaces Beyond Amazon and Walmart (00:10:54)Consider Target, eBay, Newegg, Etsy, and Wayfair for incremental revenue after maximizing Amazon and Walmart.Most Influential Book Recommendation (00:12:31)Gary Vee's books and content for building a brand and leveraging social media.Favorite Productivity Tool or Resource (00:15:00)Slack for team communication and the importance of a fast, reliable computer.Most Admired E-commerce Influencers (00:16:14)Recommendations to follow Steven Pope, Bradley from Helium 10, and Kevin King for free, valuable content.Closing Remarks and Appreciation (00:17:26)Harry thanks Josh for sharing actionable insights and expertise.Links and Mentions:Tools and Websites  Sojourn Group Consulting Amazon FBA (Fulfillment by Amazon) NARF (North American Remote Fulfillment) Walmart Connect Helium 10 Influential People  Gary Vaynerchuk (Gary Vee) on LinkedInSteven Pope from My Amazon Guy on LinkedIn Bradley Sutton from Helium 10 on LinkedIn  Kevin King on LinkedIn Events  Sell and Scale Summit Productivity Tool:SlackTranscript:Josh Hadley 00:00:00  Today I'm super excited to introduce you to Josh Gibson. over the past 20 years, Josh has been leading sojourn Group consulting, a company with a strong e-commerce focus. Sojourn Group consulting specializes in marketplace sales, and has evolved from being a third party seller into an agency that helps other sellers grow their marketplace presence without having to hire a full team. Their years of experience and team make their bolt on solution very simple for many companies. Outside of work, he is happily married for 15 years and is the father of four children ages eight, six, four and two. That makes him very busy at this stage in his life. He says there's little time for anything except work and family. So welcome to the podcast, Josh.Josh Gibson 00:00:45  Thank you. Thanks for having me.Josh Hadley 00:00:46  Well, with how busy you are with a young and growing family and the business, we're excited to have you share some of your time with us. So thanks again for joining us. What else is there that you know? You're saying that Amazon eats your margin for business lunch and dinner or for breakfast? Lunch and dinner, right? So what else is there that you know, people should be paying attention to? And Amazon specifically for now that, you know, there could be a lot of, you know, marginally going out the business.Josh Gibson 00:01:15  Yeah. I mean, it's important to to track your weights and your gyms and your categories of what products you're selling in because there's some products. Say you're selling a printer. A printer should be in an 8% category, but sometimes they'll slide into a 15% category. So you're losing that that amount of money. You don't see it unless you're tracking tracking it. Or they could dim it out wrong. Say something. They as they went through their Cuba scan, it dimmed out incorrectly. So being able to go in and update and fix those dimensions and then do do file backs on those. also trying to find better, more efficient ways to do inbound shipments. and so there's, there's tools out there that we use that can take like right now we're running a full truckload, for $400, inbound FBA, where that same truckload going, another the route could be 3 to $4000. So it's the more time you do this. And the nice thing about our team is we can sit in a bullpen and go, okay, what are you guys learning? What'd you find out? and trying to take our collective knowledge, plus being able to go to, like, this, scale and sell summit and meet other people that know more things and aggregate this information to become more valuable.Josh Gibson 00:02:19  which, to your point is, if you're an owner operator trying to do this yourself, it becomes complicated because you don't have the resources and the ability to to learn all these things. Yeah. But to your point, it's it's the weight in gems. It is the categories. It is inbound shipments. I'm blanking on a few others, but it's really managing that protection of your bottom line. that's important. And it's also like specifically with inbound shipments is the annoying part is you can get that FBI ID cleared, they can say fully received. And we've seen with some clients ten, 12 months later, they say, actually we're five short. And if you're not going back and reordering those, even though you thought you did a good job auditing it. You can los...

The fellas celebrate Thanksgiving with one of them recording live from deer camp. Highlights from the episode include: All 4 of Chisum's daughters are on the board, certified deer hunters Screwtape Letters Chapter 2 More from Ephesians 6 Comey and Leticia James have cases thrown out Teemu Obama (Hakeem Jeffries) taken to task by CNBC [...]

John Campbell, Professor of Economics at Harvard University and co-author of Fixed, joined the Strategy Skills Podcast to explain why the financial system often works against ordinary investors and how to make better personal-finance decisions. After decades studying markets and investor behavior, Campbell saw a pattern: even educated, high-income earners routinely make avoidable mistakes in housing, saving, and investing. "Once I started looking at how people actually behave, I became more and more aware of how pervasive mistakes are, people are just leaving money on the table." Those mistakes compound over time, widening inequality. "It's what economists call a cross-subsidy, from the poor to the rich. My co-author Tarun and I feel that this is really outrageous and we should be concerned about it." Five Key Insights 1. Financial Mistakes Compound Inequality Campbell's research shows that even when borrowers start on equal terms, inaction and misunderstanding drive divergence. "Black borrowers are paying maybe as much as half a percentage point more on average than white borrowers… and that's just because they haven't refinanced." Behavioral gaps like failing to refinance when rates fall transfer wealth upward. 2. Housing Choices Are Often Poorly Understood Many treat property as guaranteed wealth rather than a productive asset. "It's a huge mistake to buy a bigger house than you need, or even more so to buy a place and then let it sit empty… you're effectively buying an asset and then throwing away the dividend on that asset." Unused or oversized housing drains capital that could compound elsewhere. 3. Early-Career Risk-Taking Is Underrated "Most people, when they're young, have a very large hidden asset, their earning power. For most people, that earning power is far safer than the stock market." Because human capital is relatively stable, young investors can afford higher equity exposure and should taper risk only as retirement approaches. 4. Target-Date Funds Don't Go Far Enough "Most target date funds are not aggressive enough early in life, and they taper down the risk taking too gradually." Campbell argues these default products should adjust risk more sharply and reflect each investor's actual wealth trajectory. 5. Complexity Creates Confusion and Inequality "This profusion of accounts leads to confusion. People throw up their hands. And the access to these accounts is unequal." The U.S. system's overlapping account types favor large employers and the financially literate, leaving others behind. Actions You Can Take Now 1. Maximize any employer match immediately. "Certainly any kind of employer match, you want to maximize that right away." 2. Save aggressively through tax-favored accounts. "You should be saving aggressively and you should be maximizing your use of tax-favored accounts." 3. Manage your mortgage strategically. "Managing your mortgage is also a very important thing for people in the middle class and upper middle class." 4. Consider adjustable-rate mortgages as efficient leverage if you can manage the risk. "The cheapest way to lever that portfolio and be involved in risky markets actually in many cases is to use an adjustable-rate mortgage… a cheap way to take leverage." 5. Use home equity as flexible credit. "Home equity is a valuable source of credit." 6. In retirement, spend your assets, don't hoard them. "Many people hang on to their financial assets too long and are too reluctant to tap home equity. The right way to manage retirement is a mix of annuities and reverse-mortgage borrowing… so that you can enjoy it." 7. Avoid oversized or idle property. "If you buy an asset and then throw away the dividend, you should not expect it to deliver a high return." 8. Take more financial risk when young; scale back later. Treat your earning power as your built-in "safe asset." 9. Build an emergency fund before investing. "It should be a priority to have an emergency fund in a safe and liquid form so that you stay out of high-cost debt." 10. Support simpler, fairer financial design. "We think the financial system is very important for the market economy and the unpopularity of finance is really bad. We're trying to save the financial industry for itself." Get John's book, Fixed, here: https://tinyurl.com/bdhj5zvd Claim your free gift: Free gift #1 McKinsey & BCG winning resume www.FIRMSconsulting.com/resumePDF Free gift #2 Breakthrough Decisions Guide with 25 AI Prompts www.FIRMSconsulting.com/decisions Free gift #3 Five Reasons Why People Ignore Somebody www.FIRMSconsulting.com/owntheroom Free gift #4 Access episode 1 from Build a Consulting Firm, Level 1 www.FIRMSconsulting.com/build Free gift #5 The Overall Approach used in well-managed strategy studies www.FIRMSconsulting.com/OverallApproach Free gift #6 Get a copy of Nine Leaders in Action, a book we co-authored with some of our clients: www.FIRMSconsulting.com/gift

When you think about the end of the year, do you have goals that you've set that you still need to achieve?  When you take the time to be intentional about elevating your year-end success, you'll be sure to end the year with a sense of satisfaction, knowing you've done everything you could to wrap up this year not only with achievement but also momentum as you begin the new year.  In today's podcast episode, I cover what you can do to elevate your year-end success.  By unlocking your fullest potential before the new year, you'll cross the finish line this year knowing you've done your best.  Whether you are starting a business or side hustle, you're a self-employed individual, a solopreneur, entrepreneur, mompreneur, freelancer, small business owner, a remote, virtual, online, or in-house bookkeeper, or a virtual assistant or VA, taking the time to really focus on what you want to achieve by the end of the year, creating actionable steps to ensure you get there, and being held accountable will ensure your journey towards a more successful you…   Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community Schedule your Complimentary Stress Audit And Clarity Session, where we'll work together to create a clear and focused plan and overcome the obstacles that stand in your way so that you can move forward and immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

11 - Explore opportunities after the Black Friday and Cyber Monday rush. 

Health and nutrition start with caring for the soil. Food can and should be our medicine. Dr. Robin "Buz" Kloot of the University of South Carolina's Arnold School of Public Health and Soil Health Labs shares his perspective on connections with soil health and public health with Eric, Mary, and Jeff in this episode. Buz reflects on his own research but also points out what he has heard from farmers and ranchers he has worked with through the years. Building on the idea that eating is an agricultural act and food can be medicine, Buz would like health professionals, agronomists, soil scientists, farmers, and ranchers to collaborate more on soil and public health research and education.In addition to your own research and study of soil and human health, Buz recommends reading Fred Provenza's book Nourishment: What Animals Can Teach Us about Rediscovering Our Nutritional Wisdom. As always, we encourage you to cooperate with other farmers, graziers, and gardeners for peer-to-peer learning and to follow the four core soil health principles: 1) Keep the soil covered -- Cover crops are our friends and allies; avoid bare fallows;2) Minimize soil disturbance -- Practice no-till or gentle tillage as much as possible in your field or garden;3) Maximize living roots year-round -- to improve biodiversity, soil structure, and life in the soil; and4) Energize with diversity -- through crop rotation, high-quality food for soil and plants, farm enterprises, and livestock integration. The 4 The Soil team recently commissioned a new set of art posters to help people remember the four principles of soil health and celebrate that “We Are 4 the Soil!”.  If you are personally or professionally interested in printing and framing the soil health artwork, the 16” by 20” posters are available for purchase and printing as single posters or a set of five posters.If you have questions about soil and water conservation practices, natural resource concerns, and soil health principles and practices to restore the life in your soil, call or visit a USDA Service Center, a Virginia Soil and Water Conservation District office, or your local Virginia Cooperative Extension office.  4 the Soil: A Conversation is made possible with funding support from the National Fish and Wildlife Foundation and The Agua Fund. Other partners include the USDA Natural Resources Conservation Service; Virginia Cooperative Extension; Virginia State University; Virginia Department of Conservation and Recreation; and partners of the Virginia Soil Health Coalition.Disclaimer: Views expressed on this podcast are those of each individual guest.To download a copy of this, or any other show, visit the website 4thesoil.org. Music used during today's program is courtesy of the Flip Charts. All rights reserved. 4 the Soil: A Conversation is produced by On the Farm Radio in collaboration with Virginia Tech. The host and co-hosts are Jeff Ishee, Mary Sketch Bryant, and Eric Bendfeldt.

This week marks the biggest points-earning opportunity of the entire year—especially if you're planning to shop online. While everyone else is focused on Thanksgiving prep, points and miles travelers know this is the week to turn everyday purchases into tens of thousands (or more) of bonus points. In this short and focused episode, I'm sharing my 5-step points-earning prep checklist for holiday spend—the exact steps I complete before, during, and after the holiday shopping surge to stay organized, stay strategic, and maximize every earning opportunity. We'll cover how to identify what to purchase ahead of time, how to choose which rewards cards to use based on your earning goals or spend-related bonuses, how to set up the shopping portals and tools that streamline your holiday purchases, and the simple steps that help ensure your bonus points track correctly.  This checklist walks you through what to do before, during, and after your holiday shopping so you can maximize the points you earn while keeping the process as stress-free as possible. Get full show notes and transcript: https://pointmetofirstclass.com/holiday-points-earning-checklist/ Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of! Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

Chris cooked up a wild remote-access trick for Jellyfin that skips VPNs entirely. One tiny toggle spins up a secure tunnel on demand. Simple, absurd, and shockingly effective.Sponsored By:Managed Nebula: Meet Managed Nebula from Defined Networking. A decentralized VPN built on the open-source Nebula platform that we love. 1Password Extended Access Management: 1Password Extended Access Management is a device trust solution for companies with Okta, and they ensure that if a device isn't trusted and secure, it can't log into your cloud apps. CrowdHealth: Discover a Better Way to Pay for Healthcare with Crowdfunded Memberships. Join CrowdHealth to get started today for $99 for your first three months using UNPLUGGED.Unraid: A powerful, easy operating system for servers and storage. Maximize your hardware with unmatched flexibility. Support LINUX UnpluggedLinks:

Matt Granados, founder of LifePulse Incorporated and author of "Motivate the Unmotivated," reveals how to replace hustle culture with sustainable workplace success. He shares actionable strategies for employee engagement, optimal performance, workplace culture, and leveraging AI for productivity—without risking burnout. Gain leadership tips for integrating work-life harmony and building high-performing teams that thrive in today's changing business environment. "There's a difference between high performers and optimal performers, right? So a high performer is where everyone used to try to get to, especially in sales. High output, unsustainable pace compared to others. That's like saying I beat a bunch of slow people in a race, so therefore I'm fast. Optimal performance flips the script a little bit—same exact high output, but at a sustainable pace compared to one's own ability. That's the key." WEBSITE FOR MANAGE SMARTER LISTENERS: lifepulseinc.com/ms -What is optimal performance and how do I get it? -What's the 80/100 performance rule? -How to set both action-based and time-based goals to get greater productivity -How to use AI as a force multiplier and to help work/life balance CONNECT WITH MATT GRANADOS www.lifepulseinc.com https://www.linkedin.com/in/matt87granados/ Connect with Manage Smarter and its hosts        Website: https://salesfuel.com/manage-smarter/         LinkedIn: https://www.linkedin.com/in/audreystrong/     LinkedIn: https://www.linkedin.com/in/cleesmith/ X: Audrey https://x.com/tallmediamaven Lee  https://x.com/cleesmith  Connect with SalesFuel         Website:  https://salesfuel.com/ X:  https://x.com/SalesFuel·         Facebook: https://www.facebook.com/salesfuel/ Learn more about your ad choices. Visit megaphone.fm/adchoices

PURCHASE THE AUDIOBOOK: https://storyoriginapp.com/universalaudiobooklinks/3ae86714-9bd8-11f0-b6dd-8b7acea9a55eIn this deep dive into inner alchemy, shamanism and energy medicine, bestselling author and renowned sound healer Sol Luckman addresses mortality head-on ... and shares a nondogmatic solution to this “problem” that will shock and inspire you!You don't need to create your inner Philosopher's Stone and “get out of here alive” to benefit massively from the author's wisdom.You don't even have to practice the potent techniques he teaches for recovering energy, erasing trauma, and restoring mind-body-spirit health.Uniquely and elegantly, this book will upgrade your life in the here and now by empowering you to …* Simplify your existence* Digital-detox your mind* Maximize the power of silence* Procrastinate your way to creativity* Connect with the superpower of your uniqueness* Establish a beneficial relationship with your shadow &* Follow your bliss on your own Hero's Journey to wholeness and authenticity Thank you for subscribing. Leave a comment or share this episode.

SOL LUCKMANIt's hardly surprising that one of the most iconic and bestselling musician biographies of all time, and the first (of a veritable “Spanish Caravan”) written about the Doors front man Jim Morrison, was titled NO ONE HERE GETS OUT ALIVE.The lyric is a line from “Five to One,” a perennial fan favorite penned by Morrison but credited officially to the Doors—and it has stuck in my mind (as it has in countless others over more than half a century since its 1968 release) like a splinter, to reference the movie THE MATRIX that also figures prominently in this book.When I was living in Paris in the early 1990s, I became obsessed with Morrison, and not just his music but his often macabre poetry as well. This was shortly after the release of Oliver Stone's uber provocative rock biopic that put to shame all other rock biopics, THE DOORS.As a birthday present, my girlfriend gave me a bilingual copy of THE LORDS & THE NEW CREATURES, Morrison's first volume of poetry replete with dark meditations on sex, celebrity, drugs, and (of course) death.While riding the Metro, sitting on the steps of Montmartre and sipping espresso at cafés, I found myself reading it alternately in English and the French translation to capture more and more nuances of Morrison's cryptic, multilayered thought.Jim had died in Paris and was buried in the city's famously lovely necropolis, Père Lachaise Cemetery. His grave—which once featured a stone bust with his big hippy hair made by a Croatian sculptor and stolen in 1988—was, and still is, a literal shrine to many tourists, fans and hipster locals making rock ‘n' roll pilgrimages from near and far.Practically as controversial in death as in life, ever since his untimely demise in 1971 that rocked the rock world, Morrison has lingered in a sort of public half-life.Simultaneously, he has been an inspiration for counterculture and music lovers; a nuisance for Parisians fed up with the incessant drinking, smoking and carousing that have turned his grave into an eternal party; and a would-be prodigal son to his home country, where a Florida politician bizarrely (and unsuccessfully) sought to have Jim's final resting place relocated to his birthplace, the Space Coast!My girlfriend—call her Kate—and I regularly visited Morrison's final resting place, and often partook in the festivities, which I must admit were exemplary displays of Dionysian behavior … if inevitably a regretted hangover source.Filled with more cemeteries, church crypts and bone-lined Catacombs than you could shake a Gauloise at, Paris invited an ongoing meditation on the afterlife. Like HARRY POTTER's Myrtle without the moaning, I regularly found myself contemplating the seeming inevitability of death.And then one overcast Parisian winter afternoon half a decade later, when I was back in town visiting a new girlfriend, while standing in front of Morrison's grave strewn with flowers and cigarette butts yet again as if no time had elapsed and nothing had changed, the doors of my perception (hat tip to William Blake and Aldous Huxley) suddenly burst wide open when a still small voice inside me asked this simply disarming question:“Does no one here get out alive?”Copyright © Sol Luckman. All Rights Reserved.

As the year winds down, it's the perfect moment to double-check your tax strategy and make sure you're setting yourself up for long-term savings, not just short-term deductions. Today, Nick and Jake break down five smart tax moves worth considering before December 31st. A few intentional decisions now can save you money this year and put you in a better position for the years ahead. Here's what we discuss in this episode:

The promise of agentic AI has been massive, autonomous systems that act, reason, and make business decisions, but most enterprises are still struggling to see results.In this episode, host Chris Brandt sits down with Sumeet Arora, Chief Product Officer at Teradata, to unpack why the gap exists between AI hype and actual impact, and what it takes to make AI scale, explainable, and ROI-driven.From the shift toward “AI with ROI” to the new era of human + AI systems and data quality challenges, Sumeet shares how leading enterprises are moving from flashy demos to measurable value and trust in the next phase of AI. CHAPTER MARKERS00:00 The AI Hackathon Era03:10 Hype vs Reality in Agentic AI06:05 Redesigning the Human AI Interface09:15 From Demos to Real Economic Outcomes12:20 Why Scaling AI Still Fails15:05 The Importance of AI Ready Knowledge18:10 Data Quality and the Biggest Bottleneck20:46 Building the Customer 360 Knowledge Layer23:35 Push vs Pull Systems in Modern AI26:15 Rethinking Enterprise Workflows29:20 AI Agents and Outcome Driven Design32:45 Where Agentic AI Works Today36:10 What Enterprises Still Get Wrong39:30 How AI Changes Engineering Priorities55:49 The Future of GPUs and Efficiency Challenges -- This episode of IT Visionaries is brought to you by Meter - the company building better networks. Businesses today are frustrated with outdated providers, rigid pricing, and fragmented tools. Meter changes that with a single integrated solution that covers everything wired, wireless, and even cellular networking. They design the hardware, write the firmware, build the software, and manage it all so your team doesn't have to.That means you get fast, secure, and scalable connectivity without the complexity of juggling multiple providers. Thanks to meter for sponsoring. Go to meter.com/itv to book a demo.---IT Visionaries is made by the team at Mission.org. Learn more about our media studio and network of podcasts at mission.org. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today I am chatting with Sonia Bhayani - sales and partnership director at the National Wedding Show. We discuss why wedding shows still have a place in 2025 and beyond and how the National Wedding Show is staying current. We talk about how to approach wedding shows and the best ways to ensure you get the return on investment when you exhibit. Find out more about the National Wedding ShowDownload my Wedding Show ChecklistTime Stamps:00:25 - Introduction to Wedding Business Marketing05:02 - Discovering the Wedding Show Experience07:02 - The Importance of Wedding Shows13:21 - Understanding Demographics in Wedding Shows24:58 - Mistakes to Avoid at Wedding Shows31:51 - Preparing for a Successful Show: Stand Design and Strategy34:05 - Opportunities for Engagement at Wedding Shows43:47 - Understanding Exhibitor Support and Costs47:50 - Keeping the Show Fresh: Innovations for Future EventsMentioned in this episode:Wedding Show Success workbookGot a Wedding Show coming up? Make sure you have a strategy in place. Download my free wedding show success workbook, and get a special price on my 3 part video training series about how to get the most out of your next show.Wedding Show success workbook

In this episode, I dive into a special Veterans Day announcement about my new partnership with Veterans Disability Consulting, led by my good friend Victor Huerta. We talk about how this collaboration will help veterans navigate the VA disability claim process more efficiently and ethically. I share my own journey with filing a claim, the mistakes I made early on, and how Vic helped me—and many others—get the support we deserved. I unpack why doing things the right way matters, how to protect the integrity of the system, and why financial education is a vital part of veteran empowerment.   Timestamps (00:00) - Intro (01:00) - Announcing Veterans Disability Consulting (03:24) - Ethical VA claims process (06:17) - Maximize benefits the right way (09:38) - Veterans Day closing thoughts   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Join our investor list: https://www.frommilitarytomillionaire.com/investors Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire

In this episode of The Dirt, we head to Grace, Idaho, to talk with fifth-generation farmer Ryan Christensen about conserving one of agriculture's most valuable resources: water.   Ryan shares how his family's farm is using technology, conservation tillage and smart irrigation practices to make every drop of water count.   We dig into the importance of water management in the high desert, the practices that have delivered the greatest results on Ryan's farm and the real benefits of implementing water-saving strategies.   Tune in to hear the lessons that Ryan has learned on his operation, from the advantages of reduced tillage to the value of variable-rate irrigation, and how small changes can make a big impact on crop performance and overall efficiency.   Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com   Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics    

We dig into the biggest Linux hardware news of the year, then fire up our new-to-us 1L PC server.Sponsored By:Managed Nebula: Meet Managed Nebula from Defined Networking. A decentralized VPN built on the open-source Nebula platform that we love. 1Password Extended Access Management: 1Password Extended Access Management is a device trust solution for companies with Okta, and they ensure that if a device isn't trusted and secure, it can't log into your cloud apps. CrowdHealth: Discover a Better Way to Pay for Healthcare with Crowdfunded Memberships. Join CrowdHealth to get started today for $99 for your first three months using UNPLUGGED.Unraid: A powerful, easy operating system for servers and storage. Maximize your hardware with unmatched flexibility. Support LINUX UnpluggedLinks:

Before you're ready to make more money, you must master the money you currently have, and I will die on this hill. Here's the truth many people don't want to hear: a lot of us convince ourselves we need more income when, in reality, we need to control our spending habits first. It's either an income problem (you truly don't make enough to cover basic needs) or a behavioral problem (you spend too much, leading you to believe you don't make enough). And here's why this distinction matters: if you have a behavioral spending problem and don't fix it before earning more, those bad habits will scale with your income. You'll just overspend at a higher level. In this episode, we're focusing on the behavioral side of money management. I'm sharing 6 strategic ways to maximize every dollar you currently earn through better budgeting, intentional spending, and financial systems that work on autopilot. Once you've given every dollar a purpose and you're consistently sticking to your budget, you'll be ready to bring more money into the picture and reach your financial goals faster, without the cycle of earning more and spending more.   Here's What You'll Learn in This Episode: How to diagnose if you have an income problem vs. a spending problem Building a goal-aligned budget that makes every dollar intentional The difference between high-impact and low-impact spending decisions Setting up automated financial systems to remove reliance on willpower When to invest in financial education or coaching for better results Why financial literacy is the foundation of wealth building   The Foundation of Wealth: You can't out-earn bad spending habits. This episode gives you the framework to get intentional with your current income, break the cycle of overspending, and build a solid foundation before scaling up your earnings.   Here's a Glance at This Episode: [01:57] Goal-Aligned Budgeting: Creating a budget system that intentionally leverages your current income. [04:35] Every dollar that you spend should be working for you, not against you. That means prioritizing high-impact spending. [08:40] Financial Automation: Building systems that run on autopilot without relying on memory or willpower. [12:08] If the things you're doing aren't working for your finances, it's okay to invest your time or money into getting the results you need. [14:25] The more you know about money, the more confident and strategic you become with it.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Let Raya create your custom budget plan Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

In this episode, we sit down with Josh Studzinski, Chief Growth Officer at CarePredict, to explore how data-driven technology and AI are reshaping the senior living industry. We discuss how operators can evaluate, implement, and measure the ROI of technology solutions—and why success starts with aligning organizational goals from the top down.In this episode, we cover:Defining ROI and aligning metrics for successful tech implementationOvercoming “analysis paralysis” when evaluating new toolsUsing real-time data to enhance caregiver responsivenessHow CarePredict helps communities identify and adjust care needs earlyMeet the Hosts:Josh Crisp: https://www.linkedin.com/in/joshcrispsocial/Lucas McCurdy: https://www.linkedin.com/in/lucasmccurdyseniorlivingfan/Connect with Our GuestJosh Studzinski (Chief Growth Officer, CarePredict): https://www.linkedin.com/in/joshstudzinski/ This episode was recorded at the 2025 LeadingAge annual meetingProduced by Solinity Marketing.Sponsored by Aline, NIC MAP, Procare HR, Sage, Hamilton CapTel, Service Master, The Bridge Group Construction and Solinity. Become a sponsor of Bridge the Gap.Connect with BTG on social media:YouTubeInstagramFacebookTwitterLinkedInTikTok