Podcasts about mba

We've all heard the clichés: focus on what you can control, embrace the pain not the suffering, fight for what you want. Easy to dismiss, right? But the truth is, those sayings stick around for a reason. They hold the kind of wisdom that can change how you approach life, work, and even setbacks.What often gets missed is that clichés aren't about perfection, they're about perspective. They remind you that regret comes from the chances you didn't take, that discipline lasts longer than motivation, and that consistency matters more than bursts of effort. It's not about chasing outcomes—it's about showing up, day after day, for the things that matter most.One question that flips the script: How do I minimize future regrets? Suddenly, clichés like “control what you can” or “give it your all” stop sounding tired and start feeling urgent. They're not just empty lines, they're the compass for your decisions.When you finally pay attention to the advice you've heard a thousand times, life feels lighter, setbacks feel smaller, and your goals feel closer. It's not about ignoring the noise, it's about finally hearing the truth inside it.Which cliché have you been ignoring that's ready to guide you?-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Kiera is joined by Dr. Lauryn Brunclik (of She Slays the Day podcast fame) to take a good hard look at clinician burnout, different sides of the working mindset coin, generational styles of work, and so much more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today I am so excited about our guest that's going to be on the podcast with me today. She is incredible. We're going to be talking about all things burnout, how to avoid it, how to just like live your best life. And so I have Dr. Lauryn Brunclik. She's an entrepreneur, chiropractor, business coach, podcast host, wife, mother, and sought-after speaker known for her high energy. You guys know that this is why I like her. mean, we're birds of the same feather, straightforward attitude and ability to make people laugh while discovering their truth.   In 2010, she founded Blue Hills Chiropractic building into a thriving seven figure practice. But after years of relentless hustle, she found herself overworked, tied to her clinic and craving more freedom. Dentist, can you relate? Now you see why I brought her on here. Now you can see why I want her here. ⁓ she truly is very similar to all of you out there. She was determined to create a business that worked for her, not the other way around. Lauryn built multiple revenue streams, streamlined her operations and reclaimed her time without sacrificing income.   She took that passion and launched She Slays the Day, a podcast helping professionals and clinic owners break free from burnout by creating multiple revenue streams, recleaning time and building financial and lifestyle freedom. So welcome to the show, Lauryn. How are you today?   Dr. Lauryn B (01:07) Thank you. As you   were reading that is so funny because like in this world of virtual assistants and AI, I'm always like, what bio is she reading? And I'm like kind of holding my breath like, ⁓ and I'm like, okay, yep, that's true. That's true. this is good. I did really get sad and burnt up. It's like, I just went on a journey with you while you're reading my bio.   Kiera Dent (01:25) Usually both.   You and me both. was on a podcast the other day and I had the exact same feeling because they were reading my bio and I was like, huh, I'm super curious. Like which bio did you get? And wow, yeah, like I did just get to go down memory lane. but   Dr. Lauryn B (01:40) You're   like, that's a good bio. Good job, AI. Good job. Which is like always waiting for like the wrong thing where it's like, no, I didn't do a stint as a clown or anything. No, that's not true. That's not true. So.   Kiera Dent (01:49) Exactly.   I, Shelbi got us connected and I was super excited and you know, I was looking up on it and she's like, here, I think you and Lauryn are going to have the best time on the podcast. She's like, you two are birds of the same feather, the high energy, the tactical, the like we talk about it's like life on purpose and business on purpose and not having it to where it's the other way around. I say all the time, like your business should be working for you, not the other way around. It should be supporting your life. So I'm just super jazzed. So Lauryn.   Dr. Lauryn B (02:04) Mm.   Kiera Dent (02:17) I mean, that was a great bio. agree like kudos to AI, virtual assistant, whomever wrote it for you. Kudos to you for living that actual bio and being the human on the other side of that. So anything else you want to add? I mean, we're here today to chat shop. We're here to ⁓ share with your audience, our audience, and just really collaborate together and talk about some things that you're super passionate about and that I am too.   Dr. Lauryn B (02:22) Right.   Yeah, so I think that one of the things is that, you you kind of address of like, I think you probably typically have more dentists on   of thing and your audience is like, wait, what's happening? So I started as a coach for chiropractors, you   Kiera Dent (02:51) you   Dr. Lauryn B (02:56) this is, I see this a lot of what we do ⁓ as especially high achieving people, you know, we spend a lot of money and time getting this degree. And then we kind of, when we start to get   bored, burnt out, ADHD, whatever it is in our career where there's this kind of a couple years in and you're like, wait, is this on repeat? What we tend to do is we repurpose our current knowledge set. And so it's like, I have this degree in this, so I'm gonna start a podcast for those people, right? And so that was kind of my experience too. She Slays the Day started as a podcast for chiropractors.   But then I started to realize like as we were having these conversations and you you're just networking, you're meeting. And I started to talk to dentists and veterinarians and you know, realizing like, ⁓ you guys deal with the same shit we do? I had an ENT on a private practice, ENT ⁓ on the podcast, on my podcast because I was following him on Instagram because he was hilarious, but I was like.   Kiera Dent (03:51) Yeah.   Dr. Lauryn B (04:02) you're dealing with the same stuff we do. And ultimately, that's kind of where I expanded in 2023 to be more for healthcare providers outside the traditional hospital system, because it's like, none of us learned business. Like, we, while we were doing anatomy and infectious disease and all of this stuff, there were people outside in the college getting like MBAs and entire business degrees.   Kiera Dent (04:18) Exactly.   Dr. Lauryn B (04:31) And we didn't take a single class. we just, there's such this atmosphere of shameful entrepreneurship. What I mean by that is like, especially within chiropractic, and I've talked to vets and dentists as well, that's like, well, if you're not gonna own your own clinic, are you even like really that good? And so there's this forced entrepreneurship in a society where only 10 % of   Kiera Dent (04:54) Mm-hmm.   Dr. Lauryn B (05:01) people truly have the grit and resilience for the shit show that is ⁓ entrepreneurship. But you have like 80 to 90 % of a profession going into it. And so it's just so natural that it's like, we didn't learn this stuff. It's so natural that burnout is such a common thing. So that's where really it's like, I've realized that like, yeah, I promise you that the same stuff we're dealing with, you're dealing with too because I've had these conversations.   Kiera Dent (05:13) Right.   Amen. And it's actually funny, and I didn't mention this prior, but we actually consulted a chiropractic office and we've consulted eye clinics and ⁓ optometrists and we've gone into CPA clinic firms. And I realized business is business is business and healthcare business is very similar. I think we do ⁓ outside of mainstream medicine, which is our chiropractic, our vets, our dentists.   We're not in the hospital setting. We have more of that autonomy to have our own practices and our own businesses and I agree with you. It is a I think I think the memes out there with business ownership are so accurate the ones where you're on a roller coaster and they're like it's the highs and the lows the ones we're like holding on for dear life and you're like giggling and then crying all within a matter of seconds and I'm like that is the role that is the realm and so that's why I really wanted us to collaborate together Lauryn to talk about because   What you see in chiropractic, what I see in dentistry, what we see across the board of these incredible clinicians. like you, go to school, you learn, you, you have all this experience in this knowledge. And like you said, It does not train you to be a business owner. yet also, like you said, it's well, why not? Like, and I think that that is kind of the, it's like for team members, like you want to graduate to be the office manager. You want to be the regional manager. You want to get to that level. Like that's where you like it. There's a ladder ascension. And I think in business ownership and with   Like you wanted to be a chiropractor because you wanted to help people. You wanted to be a dentist because you want to help people. You want to be a vet because you want to help people. You want to be an ENT because you want to help people. But it's, think that there's this unsaid natural ladder that people feel there's a push to go for a business ownership when it's like, but I just want to be a clinician. I just wanted to, to do my craft, but I also wanted to do it my way. And that's where I think the business ownership vibe comes in. But you're right. It's, it's stressful, not having profits, not having   understanding cashflow, not understanding how to run teams. Like awful.   Dr. Lauryn B (07:20) The number of people,   doc, clinic owners that have been in practice for 10 plus years that I am teaching what profit margins are and what is healthy and how to calculate it is astounding. It's like, So, you know, I think that ultimately when you, you know, the different personality types, you know, when they find themselves in practice,   Kiera Dent (07:31) Yes. Yes.   Yes.   Dr. Lauryn B (07:46) I feel like they almost burn out for two completely different reasons. So let's say that you have, know, so 80 % of humans are just more meant to be more like caregivers, supporter roles. I would guess that that's even higher in someone who's called into healthcare, right? That like, they went into this, believe me, if you are about to decide what you should do with your life and you are like, I'm an entrepreneur and I wanna be.   Kiera Dent (08:05) Mm-hmm.   Dr. Lauryn B (08:15) rich. Do not go into chiropractic. Do not go into dentistry. There is so much easier ways to make money. like 99 point whatever percent of people are called to this profession in healthcare because they want to serve. So let's say you start your clinic. There's a good chance you're going to burn out from one of two reasons. One, you don't want to run a clinic. You truly   And that's what's burning you out, is that you're just like, I am here for the patients. I want to pour into the patients and I want to serve and I want to do that. But like, I have to hire another front desk person? Didn't we just do that last year? I don't know what the ad should say. I don't know what we should pay them. Or like there's office drama and you're like, I have to create a SOP on that, what? And so that will burn you out because so much of being the CEO and the clinic owner is like,   pulling you away from patient care. So you either have to divide your patient care down or in half so you have time and now you're spending half of your time not doing what you wanna do or you just pile on the admin stuff on top of it so you're working 60 hours a week. So that person, obviously they burn out. Now the other one is I think a much more, like is much more my personal story and I'm so curious as to like why you started the podcast, why you started doing what you're doing but like.   Kiera Dent (09:30) Mm-hmm. Right.   Dr. Lauryn B (09:43) So this is, I was not someone that like was a natural entrepreneur. Like I never would have, you there's certain people you hear these stories where they're like, I'm kindergarten. was like, you know, I'm like, no, that wasn't me. Like I had no idea until really after I, you know, I started my practice, but that was out of convenience. Cause there was no job. Like I had kids and like somewhere along the line, the entrepreneurship bug just got me.   Kiera Dent (09:56) Hahaha!   Dr. Lauryn B (10:13) And then all of a sudden, that's what I wanted to be doing. Like I wanted to be scaling, looking at marketing strategy, looking at like growth projections, creating higher, like I wanted to do that. But then like Barb needs me in a room too. And I'm like, like I love, okay, I like serving. Yes, yes, yes. But like I really.   Kiera Dent (10:36) Yeah.   Dr. Lauryn B (10:41) This is what was exciting to me. And so then, and this is where I'll kind of like be vulnerable and share my story, because I know from stage that this helps people, people see this, but it's embarrassing to admit, but the patient care became boring. The patient care became repetitive. Like in the beginning, you're like, ⁓ how do I fix this? And like, you're not getting results, how do I do that? And it was this problem, like new problems to solve.   But once you've been doing it, five, seven years, I mean, for everybody it's different, you're kind of like, I can do that on autopilot. And it wasn't challenging a part of my brain that wanted to solve new problems. And so there was a lot of shame and guilt that came with, because at this point, I've been in practice seven years. I'm in my early 30s. Okay, well, you're doing this for the next 30 years. And I was like, I can't.   Kiera Dent (11:38) Right.   Dr. Lauryn B (11:39) can't do this for the next 30 years. And so that's just like, whichever side a clinic owner sees themself in, like, you you're not safe on either. You have to figure out burnout on either side, but ⁓ they're completely different reasonings. And I think understanding what, why are you feeling that burnout is really important.   Kiera Dent (12:04) Yeah, I love that you talked about both sides of the coin because I think there's guilt at least from what I see working with dentists working at myself. They actually got like I've heard I don't know like where this is coined but it's like the seven year itch or stitch like there's like you just kind of get into this and some people get it at five years some people get it at 10 years but there is ⁓ I also love Tony Robbins when he says like progress equals happiness.   Dr. Lauryn B (12:20) Mm-hmm.   Kiera Dent (12:29) And so if we're not progressing and some people love it, they love the autopilot of patient care is easy for me. But like when you first get out of school, all of that is hard. It's a puzzle. You're progressing. You've got to figure out how do you navigate and get patients to say yes to treatment? How do I run my books? Like how, like there's so much how, how, how to, how do I like serve my patients better? How do I make this for dentists? It's like, do I make that perfect crown margin? Like, how do get that perfect? I imagine in chiropractor, I'm actually a chiropractor.   all the time. I love her. She's incredible. We do talk business often. She's a fee for service. And I'm like, let's talk shop on like going fee for service versus in network, like, just like dentists, right, the fee for service versus in network. And it's how can I make this body like looking at people that have weird symptoms and trying to figure out how can I fix that? Like, I know there's a way to fix this long term. ⁓ But also the like annoyance of running a business and also be like,   need for growth. I really love and I never thought about those two sides of the coin until you mentioned that of that really is what causes people to stress. And I think that there is guilt on both sides. I think there's guilt of I want to be with patient care and I don't want to run the business, but I know I have to like, this is kind of the, the card I signed up for. And then the other side of I want to leave the chair. I had a dentist the other day and one of our masterminds say to me, I only want to work two or three days, but I feel guilty because my team's working five days. And I was like,   Dr. Lauryn B (13:52) That's   a really common one.   Kiera Dent (13:54) so good. And the great news is you built the business, like you provided them the job, like you've created that. That does not mean you need to stay in the day to day, five days a week, like whatever is best for you as the business owner and creator. And that can shift and morph. But there is a lot of guilt. I think that that creates, like you said, a lot of shaming and thanks for being vulnerable on that because I think so many people can relate to that. I think when people are listening, they're like, yes, yes. Like, I feel either side of that and   I think people don't know how to get out of it. So instead it's just this like, let me keep doing the same. ⁓ let me listen to other podcasts. Let me see if other people are like me. And I'm sure it's the same in chiropractic dentistry. say that it's like this isolated Island and I'm so grateful for podcasts. I'm grateful for communities, but I still think people feel that way because you're day in day out in your own clinic, in your own practice by yourself, even though you maybe know there's a few other islands out there that are maybe similar to you. ⁓ but I think it's such a, I think that's also business too.   Dr. Lauryn B (14:36) Mm-hmm.   Kiera Dent (14:52) I don't think it's just being ⁓ a provider in your own practice. I business entrepreneurs feel this way as well, like, how can everybody else figure this out? And I don't feel like I can. ⁓   Dr. Lauryn B (15:00) And you have no idea that they haven't figured it out. I was at   a seven figure female mastermind a month ago. so it's all seven figure females all over the board, as far as like industry striving to get to eight figures. And like, there were so many moments at this retreat that every single person just felt like their business was duct taped together. And it's just like, everybody's just doing their   Kiera Dent (15:07) you   Dr. Lauryn B (15:29) absolute damn best. And so it is really, ⁓ but you know, I wonder how much of how much of this burnout conversation has to do with like generational differences. You know, like, I'm assuming that you are a millennial. Yeah. And yeah, I know, we really are the best. really are. Don't tell everybody else, but we are the best generation. ⁓   Kiera Dent (15:46) Mm-hmm. Yep. I like the emojis. I'm here for all the millennial vibes. Like, I'm here for all of them. I feel like I really fit it.   Dr. Lauryn B (15:59) And so I will point this out on stage a lot because when you're talking, giving continuing ed, you'll have a lot of, Gen X is still in the workforce. Like they are still here. from the time I was in school up until like the last couple of years, they really were a lot of the stage presence at conferences.   Kiera Dent (16:12) Mm-hmm.   Yes.   Dr. Lauryn B (16:28) And so you being a millennial would sit and really just get advice, business success, career advice through the lens of Gen X. And why that's something that we just have to be aware of is like each generation has a very different script that they have downloaded, like they've just absorbed kind of.   automatically without putting too much thought into, know, it's just like the culture of their generation. And Gen X was like, shut up, don't complain about it. There is work life balance. Like your career is the most important thing. Like raising your kids, like you have a spouse for that and you will enjoy your life once you have accumulated enough money.   And if you've done it right, that'll happen by your like 60, between 60 and 65. But the goal is to hustle, hustle, hustle, accumulate, accumulate, accumulate at all costs. You can enjoy your life if you need a second, if you need to get a divorce and you just get a new spouse in your sixties, that's what like, and so like not trying to give them shit or anything. Their work ethic is phenomenal. My favorite employees are Gen X. Yeah. Yeah.   Kiera Dent (17:41) I always love to hire them. I was like, perfect, come on in, you're gonna work forever. Like, it's great, amazing.   Dr. Lauryn B (17:47) So they're great. But then like we come in and you know, I know that in chiropractic now 50 % of graduates are females. Do you know what that is in dentistry?   Kiera Dent (17:58) Dentistry   actually tipped over. There's more females that are graduating than there are men. It just recently tipped this scale, which I was quite impressed by, which is awesome. So it's exciting.   Dr. Lauryn B (18:09) It's so cool,   but we're kind of screwed because we as millennials, we're not going to not have children. We're not going to delegate that completely to somebody else. I mean, my husband, I'm definitely the primary breadwinner in my husband's profession or career has like molded to what our family needs are, but like.   Kiera Dent (18:13) Mm-hmm.   Dr. Lauryn B (18:35) So we're not gonna do that, we're not gonna do that, like we're not gonna give up our career. And so it's not like we're complaining about work-life balance, it's just a necessity. We're like, no, no, no, it's not like I'm like, like I, it's like, no, this isn't I want to raise my child, it's I have a child, I have to raise them also and the business. And so like we're trying to figure out, like, well, I can't follow that script.   Kiera Dent (18:47) Right.   Dr. Lauryn B (19:05) that script that we saw from stage for so long is just like, that's not gonna work for me. we're trying, that's why everything feels duct taped together is because we actively reject it. We were given a script to follow, like work six days a week, just do it. And we're like, nah, I don't want that. And it's like, okay, well then we're literally creating a new path. And so to any millennial, I would say like, if it just feels   Kiera Dent (19:15) Mm-hmm.   Dr. Lauryn B (19:34) messy, this probably isn't a youth thing. This is like, are truly carving a brand new way to do things, which we're kind of wasting our time because Gen Z is coming in like, no, I'm not doing that either. And we're like, we're fixing this for you. And they're like two months into their, yeah, they're like two months into their profession and like, ooh, 30 hours a week? That's not gonna work for me.   Kiera Dent (19:44) was going to say, they're coming right behind. Exactly.   They're like, no, no, no, no. We see that. We're not doing that either.   Yeah, not happening.   No, they're like, I could be a YouTube, like I could I could do all these different things. I can be an influencer for like five hours a week and make way more than you are not here for that.   Dr. Lauryn B (20:10) And you're like, well,   I don't know how to solve this for you.   Kiera Dent (20:13) they're like AI,   why are guys like still doing stuff yourselves? Like, no, we're gonna have robots to do all this stuff for us. Like, absolutely not. It's incredible. Like, good. But I don't disagree with you. I think it's ⁓ and as you said that I thought about how agreed and I think every generation actually makes it better from the last and I do agree that ⁓ I don't know, I started thinking about it. This struck me about probably, I don't know, eight years ago. And I'm like,   Dr. Lauryn B (20:20) He probably will. Like, damn it.   Kiera Dent (20:42) my gosh, like people used to get married because they needed to be married. Like you used to have to have like a husband and a wife to be able to have kids. And I'm like, you don't need that anymore. There's IVF, there's ⁓ different things that you can do. You do not need anybody anymore to live the life you want to live. It's very much becoming this like self ability. But I'm like, our parents couldn't do that. I mean, women even coming to the forefront to be able to have businesses.   to own land in our name. Like that has not been a long change and shift for women to be here. And then I also think that there's a whole dynamic for women as well coming into this scene. Like you said, they are coming in there. We're, having stronger professions. are being stronger business owners. We're like the kid having children is being delayed much longer in life. And so I do think it's a, a walking through and not understanding like where are we even supposed to go? Because what we've seen as the model isn't the model for us anymore.   like that doesn't work. Our lives look different. I mean, my mom, didn't work a lot of my friends moms didn't work or if they did, they worked at the schools or they didn't work like high level powered careers, a lot of them and I'm so excited that women are coming into the workforce and because there's so much talent and beauty. But I do think that there's a whole dynamic and for men too. think that the whole shifting like you said, a lot of women are becoming breadwinners. They do.   Dr. Lauryn B (21:41) Mm-hmm.   yeah, they want to be dads. Like that's the   thing too is like, they're like, hey, I just cause I'm a dude doesn't mean like I'm okay with missing my kid's childhood. It truly is a generational shift.   Kiera Dent (22:11) Exactly   Exactly. And so I think I just through all of it, I think you're highlighting what makes me excited. And the reason I'm just like jazzed about this today is it's normal. It's okay. And there's solutions around it. And also, I think just aha moments of, my gosh, like maybe this is why. And I do agree. Generations behind the millennials, you're probably giggling at our conversation right here. Like, yeah, yeah, yeah, you guys don't even know what you're talking about. But I think like we're in it. Exactly.   Dr. Lauryn B (22:41) Hey, we say you don't know what you're talking about.   Kiera Dent (22:44) I'm like, but we're in it and there has to be a solution here.   Dr. Lauryn B (22:44) Hey! I have the microphone.   Kiera Dent (22:48) Who's on this podcast and who's listening? All right. I think when I look at that, I'm like, but for millennials, think that they're, and most generations probably feel this. think we're a taffy stretch between one way of thinking and a new way of thinking. And we're kind of that like middle child syndrome right now where we really are trying to carve that new path that's making it easier for other generations behind us to see easier modalities.   But I do think that that kind of tug of war, I mean, I feel it, you felt it. We've had our personal experiences through it. We see people, we coach people through this, we work with people. But I also think in a way life has become easier to learn. I don't know how you feel. And like easier with air quotes, meaning there's so many things that do things for us. Like washer and dryers were so great for our parents' generations. But I'm like, for us, we now have, like you said at the beginning, we have AI that's writing bios for us. We've got virtual assistants that are doing it.   There's ways, like you said, there's easier ways to make money outside of just doing your day in, day out, eight to five job now. There's different ways that we can build retirement. There's ways like the Airbnb market and having real estate investments. Like there's so many different ways that I feel like wealth is oftentimes easier to achieve. But I think with that, because there's so many things and not to say that it's perfectly easy, but I think as we conquer in life, just like the washer and dryer, the cell phone, like those things were conquering big problems.   Google coming in and the internet taking over, those conquered a lot of challenges. I think so much of today's challenge, and I don't know how you feel, Lauryn. This is like Kiera going off on her own soapbox. I feel like you said so much of it now is our mind and that space of centeredness, of balance, ⁓ not having to work all the time. I think a lot of jobs have shifted from labor jobs to mental labor jobs. So we're not having as much physical.   Dr. Lauryn B (24:32) Hmm.   Kiera Dent (24:35) Like you said, patient care can be a lot of just like mindless. I miss the days sometimes of being a dental assistant, sitting there and having like hours of time to dream of all these ideas to where now I feel like I wish and crave for that quietness that my mind never gets anymore. And so I feel like even with some of those shifts and how we work and how our family needs are in the necessities of family dynamics in, we don't need to work clear up to 65, but people are able to retire now at 35, 40. And then it's like, now what, what am I supposed to do? So also then finding your purpose in life.   I think you combine all that into a cluster storm and voila, welcome to millennial dilemma. Like, you know, we can coin that of what do people do? How do they, how do they exist? And I think the future generations coming will have even more of this at more grand scale. So it's like, let's have conversations of how do we prevent that burnout? How do we have the conversations about not working in like having nothing left to give to our families of having that balance? Like you said, if I want to run the business and I want to progress, but I also want to be a human at the same time.   So Lauryn, think you're more the expert at this than I am. I'm just here for the like great conversations and talking it through because I think it's such a necessary conversation that now is starting to really bubble to the surface out of necessity and also out of curiosity and also out of like desire to fix this and not have it be our day in day out norm anymore.   Dr. Lauryn B (25:54) Yeah, well, so I'm gonna say another kind of controversial thing then. ⁓ So you touched on it and like with any time, we don't love, as care providers, we don't wanna come across as greedy, right? And so what we end up doing is like, we'll just be like, it would be great to be wealthy, but like not too much, like I don't need to be rich, and you didn't do this or anything like this, but like.   Kiera Dent (25:57) Ready, I love this.   Dr. Lauryn B (26:22) other people is just like, yeah, I would like to make a little more money. ⁓ so part of my story, ⁓ I'll give you the very short version, was ⁓ we had our most successful revenue year ever. And it was with like the least amount of money I had taken home in like seven years. Yeah, yeah, we call this payroll bloat. You need to fix your pricing structure so we could talk about pricing increases.   Kiera Dent (26:42) Happens all the time, all the time.   Dr. Lauryn B (26:50) And so like I'm a cash clinic. So like this was my own fault. This was, I set my prices and I just did a bad job at it. And so part of like, if when people are like, well, how did you like, were you burnt out? And I was like, yeah, I was burnt out at like 32. And you're like, are you burnt out? I'm like, no, I freaking love what I do now. I still serve patients 10 hours a week. actually.   as of last week went down to like seven. We got a chef, yay. So I still serve patients like seven hours a week. I still spend probably like three hours a week ⁓ running meetings and like running the clinic. ⁓ But now we have other investments. ⁓ Whereas that clinic portion that used to be all of our eggs were in that basket.   Kiera Dent (27:22) I'm not.   Dr. Lauryn B (27:46) Right? So like, as we had kids, my husband left corporate consulting to help our family and clinic grow. So all of our eggs were in this one basket of whether the clinic does well that quarter or not. we want to remodel the kitchen? Better go get some more new patients. Like, want to go to Disney? It's not in the budget, but like, ugh, like all of these things. And we're not even talking about time freedom. Like we're just talking about like the key to burnout is having time freedom and   financial freedom. When I'm working with docs, the ones that are like the hardest to fix are not the ones that are like, I am working 60 hours a week. I have like oodles of money that I know should be like, I should be doing something with in, but it's just like $50,000 in this bank account. And like, I wish I had time to go to Disney, but I don't, I don't want to belittle that. That is a different kind of burnout.   Kiera Dent (28:32) Mm-hmm.   Right,   it is.   Dr. Lauryn B (28:45) and   everybody right now is playing a little sad song for you, but I relate to you, we can fix this. But the harder ones are the ones that are broke. Like being broke, and this has to do with like just core psychological, like I reference Maslow's hierarchy of needs a lot in my talks because like.   Kiera Dent (28:49) Mm-hmm.   I agree.   Mm-hmm.   Dr. Lauryn B (29:07) You cannot get to the tip, the Maslow's for those of us that took Psych 101 10 years ago is the triangle where at the top is enlightenment and at the bottom is like your base survival, food, water, shelter. And if you are broke, now granted, monks, I'm sure they can figure out how to have enlightenment without having food, water, shelter. Most of us cannot, okay? We are doctors and there is a certain amount of debt.   Kiera Dent (29:12) Mm-hmm.   I agree.   Dr. Lauryn B (29:34) and a certain amount of expectation is maybe the right, I don't know if that's the right word, with like, I'm gonna serve people and this career is gonna take care of me. I'm gonna go into debt and it's a lot of debt, but this career is gonna take care of me. I'm gonna care for people, as long as I focus on serving, the career will take care of me. And we have too many people that it's just not. And they're like, I...   did not realize that I was going to struggle this much financially. These are not people that are like, can't afford a yacht. These are people like truly who are like my margins for financial investing and building wealth are a lot more narrow than I thought they were going to be. And that's a harder thing to fix, but that...   Kiera Dent (30:22) Hmm.   Dr. Lauryn B (30:27) is a deeper kind of burnout that we just need to be more comfortable. Again, following generational stuff, Gen X, like we don't talk about money, right? That was the script that we got from them of like, you just focus on the patients and the patients will take care of you. And you're like, ⁓ okay, so we don't talk about money. And then millennials are like, I think we need to start talking about money. I think we need to start talking about money because if you were being paid,   Kiera Dent (30:38) Bye.   Hahaha!   Dr. Lauryn B (30:56) whatever you feel is appropriate. If you were feeling wealthy. And again, I'm not talking about that. I'm not putting on you that like you feel like you need to be making $3 million a year. Like, although that is my goal for next year is 3 million. just, but like, you know, just so we're clear, that is my literal goal for next year. So you can want that. You have permission to want that if you want, but we're talking about like, I don't know. Maybe if you made $500,000 a year, life would be a little easier and you could breathe.   Kiera Dent (31:10) Yeah, exactly.   Dr. Lauryn B (31:26) And if you can literally financially breathe, you have more bandwidth   make calm decisions for your business. Where you don't feel like if you have a bad quarter, you're gonna have to lay someone off. And like that's one of the first steps to helping most people   burnout or recover from burnout.   is like, we gotta talk about money and we gotta fix your personal financial situation because if you're constantly in a place of fight or flight   you can give yourself an extra 10 hours a week and time to be the CEO if all you're doing is worrying about how you're gonna make payroll. Like, it's not, you're not gonna   from burnout.   Kiera Dent (32:22) think that that was such a good ⁓ way that you highlighted it. And I'm just very curious now, like, how's the how, because agree, like people, what you're saying, Lauryn, I can tell you've lived the like the life. This is something that you've done, you've been there, you can speak to it so authentically. I've been there many times. And I'm always like, I want our doctors to get paid so well. I see how much you go into school for debt.   I see the, and I think that that's a different piece too, if we're to talk generational, people who are not walking out like half a million debt.   Dr. Lauryn B (32:55) And y'all are way worse than us,   right? Like what's the average dentist, like 350?   Kiera Dent (33:01) Average dentists right now are coming out at almost half a mil of debt when they walk in. It's bonkers.   Dr. Lauryn B (33:05) That is bonkers, you guys. Like when I heard that, because I posted a reel that went   so viral and it was just about like healthcare debt and reimbursement rates. And that's when I learned they were like, 250? Talk to a dentist. And I was like, wait, why? How long? And they were like, yeah, 350 minimum. And I was like,   Kiera Dent (33:25) Yeah.   Dr. Lauryn B (33:30) That's insane. That's insane.   Kiera Dent (33:32) That's insane.   And then you go buy a practice. So the practice that I helped start with a dentist straight out of school, we were, I called her 2.5. I got to walk by and I'm like, get that spine up like you're 2.5. We were 2.5 mil in debt. So that was coming with student loans. So schooling was 500,000. Living expenses during that time were about another, you know, two to 500. So like they're walking out with this.   $500, $600, $700,000 worth of debt, not just including your schooling, but all of life expenses, because you're probably not working while you're going to school. And then we went and bought a practice that's about a $2 million practice. So we were like 2.5, not like we were 2.5 in debt. I was like, keep that spine up, like put your hands up when you walk across the street, like you've got to keep those hands in motion because otherwise how are we going to get out of debt? And I think for me, when I look at that much debt,   when I look at that much risk and I look at the benefits that healthcare providers are giving, I'm like, no. And I tell teams all the time, I'm you want your doctor to be ridiculously wealthy. Like I do, and I preach this hard and I say, no, you should and you deserve it. And we want you that way because you're a better boss, you're a better clinician, you are better at doing your services because you're not stressed about making money. So we're not like you said, like, I want to go to Disney, let me go find more patients. I get.   No, I have confident, predictable payroll or cash flow. I'm very successful in what I do and you can make the margins there. Like I was the girl who did business that did not understand numbers. And now I say like, I love numbers and numbers definitely love me. And I'm like, it's now just a fun math equation. If I want to make X amount, you just back it down. You figure out what your costs are and you figure out the three levers you can use. We either drop our overhead, increase our production and or our collections. Like it's very simple when I'm like, okay, got it.   Dr. Lauryn B (35:05) and   Kiera Dent (35:17) Like got it when it's just those three levers, people make it so much more complex. And I think it does feel complex. Like reading a PNL is ridiculous. If you don't know what that is, that's okay. We're here where there's no judgment. It's a profit and loss statement. And I love educating people on this. Like this is where the fire in the belly comes. This is where it does. We get lit up because when I have someone who's cashflow positive, like you said, they can make calm decisions. They're not sitting here stressing all the time, but Lauryn, I'm very curious. Like you've talked about it at length. Like what do people do? Like what's the how, how do we get into this?   How do we have multiple streams because agreed all eggs in one basket? gosh. It's, ⁓ to me, that's like just a ticking time bomb. Like one bad day, one bad patient, one bad procedure. Like it's just going to explode because you're sitting like you're sitting on the edge of fear all the time to where you are in like cortisol adrenaline, like you are pumping. And then what you do is you go into complete shutdown because you can't handle it anymore. So your body and your system literally like just shuts down on you. You become apathetic to life.   Dr. Lauryn B (35:54) Mm-hmm.   Kiera Dent (36:15) things aren't exciting for you anymore. You become very numb to walking through the world. And it's like, I feel like the world of color goes into very like gray. It's very subtle. It's like, it's, there's no, there's no life left. It's just, are living life, but you're not actually being and living day in, out.   The Dental A Team (36:33) that wraps part one of our part two series. Be sure to tune back in for part two of this podcast. And as always, thanks for listening and I'll catch you next time on the Dental A Team Podcast.  

If you are listening to this prior to October 9, 2025, go to the 32BJ Changing the Playbook on Hospital Prices event, where Mark Cuban will be keynoting. Cora Opsahl will also be speaking, and I will be there listening. 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. So, trust, simplicity, and a chicken. Yeah, this is where this whole conversation with Mark Cuban and Cora Opsahl winds up. And it is a barnstormer because you know what some really good advice is for anybody trying to do right by patients and taxpayers and plan sponsors? It will take trust. It will take making the complicated as simple as possible. And also if you could pay with a chicken, like in the good old days, that would be messy—I can say with confidence, having grown up in Pennsylvania Dutch country, where there are many, many chickens—but also being able to pay with a chicken could also indicate that healthcare prices are reasonably chicken proportionate and that the doctor-patient relationship is good enough to break bread (or have chicken). That last part is really important, and Cora Opsahl says this at one point in the episode that follows. It doesn't matter how wonderful the transparency or the financing. If the prices are insane and there's no more reasonably priced options in any given market, then yeah. Shane Cerone says in an upcoming show, he says, “We do not have a broken healthcare market. We do not have a healthcare market. There is no market.” Okay … so, you could call this conversation a continuation of the episode with Ann Kempski (EP444), entitled “Two State Healthcare Laws Often Don't Go as Planned.” But it's not just healthcare laws that often don't go as planned. It's some very foundational constructs that we have built the healthcare sector upon that may also not go as planned. The healthcare sector is like a game of pachinko. You chuck an input into the mix, and it will bounce all around into all the perverse incentives and human beings and the non-market that we have. And who the heck knows what is gonna pop out the other side? It's like game theory at its most unpredictable. So, in healthcare, there are many, many examples of when the solution to a problem arguably creates worse problems than the problems the solution was trying to solve for. But we—Mark Cuban, Cora Opsahl, and I—are gonna shake our fists at two such solutions today: high deductible health plans (or just high deductibles in general) and then self-insured employers trying to solve the complexity of the healthcare industry by hiring consultants and middlemen, middle people, and other vendors to navigate the pachinko parlor (that is, our $4.9 trillion healthcare sector) on their behalf. Now, I am not in any way saying the spirit of these two endeavors—high deductibles and hiring consultants and middlemen—weren't wholehearted. They seem just like many other well-intentioned solutions: very logical on their face. What I am saying is there are many ways in the real world for even the most, again, genuine endeavor to turn into a money grab for those so inclined. While at the same time I'm saying all this, I'm also very much saying that there are some amazing consultants and middle folks such as independent third-party administrators, otherwise known as TPAs, and PBMs (pharmacy benefit managers) who are transparent and hold themselves accountable to the fiduciary responsibilities that their clients are held to in real terms—not just in marketing speak with 40 pages of disclaimers following. There are great folks out there, many of whom listen to this podcast and are part of our tribe on the regular. And to you, I say thank you for being here, because it takes all the knowledge and more from every one of the guests featured in these past 487 Relentless Health Value episodes plus treating every day like a school day to make sure that we all are not getting shanked from behind by some innocent-looking contract term that turns out to be anything but. The conversation that follows starts out talking about high deductibles; naturally segues into how third-party intermediaries can actually exacerbate the issues here; then we get into transparency, financing, clinical organizations taking on risk, and the benefits and challenges of direct contracts; then Mark lays out a vision for the future. Okay … I wanna get to this conversation. If you are a new listener here—and you might be because … yeah, Mark Cuban—let me just inform you that this podcast is largely listened to by those who work in the healthcare industry. So, you are going to encounter acronyms. You will also encounter me referencing earlier episodes because surveys say listeners really appreciate these callbacks to go get additional information about any given topic. You can get what amounts to a personalized Master's of Healthcare Administration curriculum if you follow the episode threads long enough. And that was a direct quote from a listener. About the acronyms: They are holy terrors, and we in the healthcare industry are chock-full of them. See the list of acronyms that come up so that you can follow along at home if this is your first day at our rodeo. Also in the show notes is a transcript of this show, along with links to all of the mentioned episodes. Okay … here's my conversation with Mark Cuban, who is Mark Cuban and also CEO and founder of Mark Cuban Cost Plus Drugs. Also, we have Cora Opsahl, who is health fund director of the 32BJ Health Fund and an expert in many things healthcare. Also mentioned in this episode are Shane Cerone; Ann Kempski; Mark Cuban Cost Plus Drugs; 32BJ Health Fund; Preston Alexander; Stanley Schwartz, MD; Elizabeth Mitchell; Kimberly Carleson; Andreas Mang; Jonathan Baran; Claire Brockbank; Dave Chase; Cristin Dickerson, MD; Green Imaging; Kevin Lyons; and Vivian Ho, PhD.   You can learn more at markcubancompanies.com and costplusdrugs.com and follow Mark on LinkedIn, Bluesky, Threads, and X. You can follow Cora on LinkedIn.   Mark Cuban, a native of Pittsburgh, PA; a graduate of Indiana University; and now a Dallas, TX, resident, has always been an entrepreneur. From selling and trading baseball cards, selling garbage bags and magazines door-to-door, to starting a business buying and selling stamps at age 16, there have been few years in his life when he wasn't starting or running a business. He got a job at one of Dallas's first retail software stores, Your Business Software. He spent nine months doing everything from learning how to code, supporting and installing every type of business software, and of course, making sure the store opened on time. That went well until he made the executive decision to turn over the store opening duties to a peer so he could pick up a check for a sale. He was fired. Mark decided it was time to start on his own. The next day, MicroSolutions was founded. Over the next seven years, MicroSolutions became a national leader in Systems Integration and custom applications for local and wide area networks. Growing to 80 employees, never having a losing month of operations and nearly $36M in annualized sales, in 1990, MicroSolutions was sold to CompuServe. At that point Mark “retired” to investing in public and private companies. His knowledge of the networking industry led to success and brought returns of 80% and more each year. Mark purchased the Dallas Mavericks for $285M. The Mavs would have the second-best record in the NBA during his ownership tenure. Mark sold majority control of the Mavs in 2023 but continues to be actively involved with the team. He first appeared as a “Shark” on ABC's Emmy Award–winning hit business show Shark Tank in 2011 and quickly established himself as one of the most popular and tough Sharks, investing millions of dollars in hundreds of small businesses. He's been nominated nine times for an Emmy for Shark Tank. His last appearance on the program was during season 16 in May 2025. In 2019, Mark co-founded costplusdrugs.com. Its launch on January 19, 2022, with transparent pricing and a limited markup, has fundamentally changed the pricing of medications in the United States. Cora Opsahl is the director of the 32BJ Health Fund, a self-insured Taft-Hartley benefit fund that sets comprehensive design parameters to ensure the 200,000 members and families of SEIU 32BJ have easy and sustained access to affordable, high-quality healthcare. Cora has prioritized a data-driven approach, focusing on reducing trend, solving the affordability challenge on behalf of union members, and, most important, keeping members at the center of every decision. Under her leadership, the 32BJ Health Fund has saved more than $35 million annually—which it has reinvested in new and better benefits, including the first fertility benefit for members—by removing NewYork-Presbyterian hospitals and physicians from its network, transitioning to a new pharmacy vendor and pharmacy group purchasing coalition, and establishing an expanded Centers of Excellence program. In 2024, Cora conducted an innovative medical request for proposal, stipulating that all finalists have a signature-ready contract drafted by the 32BJ Health Fund prior to award. As a result, the Fund negotiated an agreement that brought unprecedented visibility and increased accountability to its benefit. In 2025, the Health Fund is focused on direct-contracting opportunities that allow it to carve out key benefits and ensure quality while managing spend. Cora is regarded as an expert in pharmacy benefit management and was recently appointed to the Board of Governors for the National Alliance for Healthcare Purchaser Coalitions and the Purchaser Advisory Council for the National Quality Forum and Joint Commission. She previously worked at Express Scripts, where she held a variety of roles, ranging from Medicare Part D to operations, strategy, and acquisitions. Cora earned an MBA from Saint Louis University.   06:25 What was the original rationale behind high deductibles? 07:38 How high deductibles are creating a class of functionally uninsured people. 09:29 EP482 with Preston Alexander. 10:20 “We're using health insurance as a proxy for healthcare.” —Mark 12:30 How providers are now in the debt collecting business rather than the healthcare business. 12:55 EP486 with Stan Schwartz, MD. 15:16 “We have a fundamental reasonability problem.” —Cora 16:07 EP425 with Marshall Allen. 18:25 Direct contracting versus self-funded employers. 19:27 EP436 with Elizabeth Mitchell. 19:30 EP480 with Kimberly Carleson. 19:33 EP372 with Cora Opsahl. 23:53 Why the current system doesn't allow the accountability that is needed. 24:39 EP452 with Cora Opsahl. 26:34 How direct contracting gives strength back to independent practices that high deductible plans take away. 27:46 Who pays, what's the price, and where does the power lie? 31:24 EP419 with Andreas Mang. 34:45 How it comes down to power and leverage when controlling healthcare costs. 38:13 EP483 (Part 1 and Part 2) with Jonathan Baran. 38:35 Why putting together a network and just buying healthcare—not discounts—is not as difficult as it seems. 40:10 Why we need to stop talking about disruption and start talking about change. 40:56 EP453 with Claire Brockbank. 41:02 EP484 with Dave Chase. 43:07 EP485 with Cristin Dickerson, MD. 44:32 EP487 (Part 1) with Kevin Lyons. 46:34 EP466 with Vivian Ho, PhD. 47:40 Why it's the incentives that are different between American hospitals and hospitals in a single-payer program. 50:25 The main takeaways from the conversation. 51:08 Why you can't fix the problems in healthcare without transparency.   You can learn more at markcubancompanies.com and costplusdrugs.com and follow Mark on LinkedIn, Bluesky, Threads, and X. You can follow Cora on LinkedIn.   @mcuban of @costplusdrugs and Cora Opsahl discuss trust and simplicity in #healthcare on our #healthcarepodcast. #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Kevin Lyons (Part 2), Kevin Lyons (Part 1), Dr Stan Schwartz (EP486), Dr Cristin Dickerson, Elizabeth Mitchell (Take Two: EP436), Dave Chase, Jonathan Baran (Part 2), Jonathan Baran (Part 1), Jonathan Baran (Bonus Episode), Dr Stan Schwartz (Summer Shorts), Preston Alexander

Fiction writer Yiming Ma joins co-hosts Whitney Terrell and V.V. Ganeshananthan to discuss his new novel These Memories Do Not Belong To Us. Ma, who was born in Shanghai and visited China frequently after immigrating to the U.S. and Canada, talks about how terrifyingly easy it can be to live in a society in which censorship is the default, and the dangers of self-censorship. Ma, who has an MBA, also reflects on the gap between how the tech and business worlds discuss artificial intelligence versus his peers in the arts. He explains how he developed the protagonist of his novel, a young man who struggles to decide what to do with an inheritance of forbidden memories; reflects on how his book's structure, which moves between those memories, works as a “constellation novel,” in the tradition of Olga Tokarczuk; and considers how his characters demonstrate survival as a form of resistance. He reads from These Memories Do Not Belong To Us. To hear the full episode, subscribe through iTunes, Google Play, Stitcher, Spotify, or your favorite podcast app (include the forward slashes when searching). You can also listen by streaming from the player below. Check out video versions of our interviews on the Fiction/Non/Fiction Instagram account, the Fiction/Non/Fiction YouTube Channel, and our show website: https://www.fnfpodcast.net/ This podcast is produced by V.V. Ganeshananthan, Whitney Terrell, and Moss Terrell. Yiming Ma These Memories Do Not Belong to Us "When fear silences the writer" - The Globe and Mail  Others: Robot: Mere Machine to Transcendent Mind by Hans Moravec Flights by Olga Tokarczuk “The Purloined Letter” by Edgar Allan Poe "Mirrors, Memories, Rebellions: An Interview with Yiming Ma” Chicago Review of Books  Fiction/Non/Fiction Season 8, Episode 51: Omar El Akkad on Gaza and Western Empire Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of SHE MD, hosts Mary Alice Haney and Dr. Thaïs Aliabadi welcome Dr. Gina Campbell from Myriad Genetics. They explore the importance of genetic testing in women's health and its potential to revolutionize cancer prevention and early detection. The discussion also provides insights into the MyRisk® Hereditary Cancer Test, the BRCA genes, and insurance coverage. Sponsor: Myriad Genetics: To learn more, visit getmyrisk.comWhat you'll learn in this episode:Genetic testing for cancer isn't just about BRCA. Myriad checks 48 cancer-causing genes, with 11 linked to breast cancer risk.Your risk isn't just in your genes. Family history, lifestyle, and even tiny DNA markers all play a role. So using tests like the MyRisk® test and Tyrer-Cuzick score or IBIS model can provide more information.Knowledge is power. Knowing your risk can lead to early screening and prevention strategies.Alcohol is a major, often overlooked cancer risk factor. Even one drink a day can significantly increase breast cancer risk.Timestamps:00:00 Introduction05:23 Genetic testing criteria and insurance coverage11:40 Importance of genetic testing for breast cancer risk16:29 Breast cancer screening recommendations and guidelines20:22 Data privacy concerns and benefits of testing24:48 Future of genetic testing and personalized medicine28:57 Advice for maximizing doctor visits and insurance31:33 How to get the MyRisk® genetic testDr. Gina Campbell's Key Takeaways:

There is a well established process for how to breakaway from a wirehouse, to transition your practice to the RIA model.This process has been refined within the industry over many decades, and thousands of transitions.In this episode (#133) of the Transition To RIA question and answer series I outline the three main steps involved, and the variables within each step that are important to be aware of and considerCome take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-are-the-steps-involved-with-breaking-away-from-a-wirehouse-to-transition-to-the-ria-model/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

This episode of Start With a Win brings together two of the most dynamic voices in leadership, Anne Morriss and Frances Frei, for a conversation that challenges outdated business mantras and replaces them with a powerful alternative. With wit, clarity, and decades of experience guiding organizations and leaders at the highest levels, they reveal how true impact is created - not by choosing between speed and care, but by mastering both. From Harvard classrooms to global boardrooms, their insights cut through the noise and inspire a fresh way of thinking about trust, momentum, and solving big problems. If you've ever wondered how great leaders accelerate results without sacrificing integrity, this conversation with host Adm Contos is one you won't want to miss.Anne and Frances are best-selling authors, influential leadership experts, and the founders of The Leadership Consortium—a pioneering accelerator focused on building inclusive executive teams and preparing the next generation of senior leaders. Frances is a Harvard Business School professor and former SVP of Leadership and Strategy at Uber, where she led efforts during a time of massive transformation. Anne is a serial entrepreneur and sought-after leadership coach. Together, they advise top companies—from startups to Fortune 10s—on strategy, operations, and culture, helping leaders navigate complex change. They've co-authored three acclaimed books, including Move Fast & Fix Things, and co-host Fixable, a TED Audio Collective podcast. Their work and insights have been featured in viral TED Talks and recognized by Thinkers50 as among the world's top management thinkers.00:00 Intro02:01 Moving fast gave this a bad name…05:20 Great leaders do this!08:20 Here is the secret sauce!12:25 What is Monday-Friday?17:01 Look at problem through this lense – 3 key words…22:30 Talk to stake people?...celebrity the uncommon. 34:16 Empower AND Delegate and two other Fridays…39:18 Always on the beach and the night before?    https://anneandfrances.com/https://anneandfrances.com/fixablehttps://anneandfrances.com/fix-things https://tlcleaders.com/===========================Subscribe and Listen to the Start With a Win Podcast HERE:

Send us a textIn this inspiring episode of Living the Dream with Curveball, we sit down with Kurt Avery, the founder and president of Sawyer Products, a company dedicated to innovative outdoor protection and humanitarian aid solutions. Kurt shares his remarkable journey from the corporate world to creating life-saving products, including water filtration systems and insect repellents. With a marketing background and an MBA, Kurt's vision for Sawyer Products was born out of a desire to provide essential resources to those in need, especially in areas affected by waterborne diseases. He explains how Sawyer's unique filtration technology is transforming lives in over 80 countries, eliminating sickness and improving health outcomes for millions. Kurt also discusses the company's partnerships with various charities and their mission to deliver clean water to communities around the globe. Listeners will be inspired by the impactful stories of how Sawyer Products are making a difference and learn about the upcoming projects aimed at expanding their reach. Join us for a conversation that showcases the power of innovation and compassion in creating a better world.www.sawyer.com

In this episode, Kristi Seymour, LPC, MBA, of The Equestrian Mind, discusses burnout and work-life balance in the equine industry. She explains the common signs of burnout and how to prevent it, why equestrians are prone to burnout, and how to maintain boundaries and a work-life balance.GUESTS AND LINKS - EPISODE 36:Host: Hailey KerstetterGuest: Kristi Seymour, The Equestrian MindPlease visit our sponsors, who makes all this possible: US Rider, Ask TheHorse Live

Overcoming MBA Anxiety With The Help of an HBS Admissions Officer Part Two: How Anxiety and Worry Can Be Helpful To Your Application For this very special three-part series, we are joined by SBC Consultant Pauline. Pauline holds an MBA from the Wharton School of Business, worked for years as an HBS Admissions Officer, and has presented/lectured at Stanford, Tufts and Villanova. Pauline is uniquely positioned to speak about anxiety as it relates to the MBA application process. Pauline is passionate about Business, Education and Spirituality and worked as a Level 1 Hospital Trauma Chaplain. She also holds a Divinity degree in Pastoral Counseling and a Doctorate in Educational Leadership.  In last week's episode we talked about anxiety in the MBA context: what anxiety is, where it comes from, and discussed very specific strategies for what to do when anxiety strikes in the present moment. Today, we are going to dig deeper and talk about how you can HARNESS this worry and anxiety in healthy and productive ways to IMPROVE your application.  In this segment Chandler and Pauline:  Share specific examples of how previous clients have harnessed worry and anxiety to improve their MBA essays, Discuss how thinking through your own “worst case scenarios and greatest fears” can help you prepare for your interviews, Roleplay specific scenarios in which applicants transform what they consider to be their greatest weaknesses as an applicant into strengths Provide a template to use when discussing failures or things you are not proud of in the MBA context  This episode is a must for anyone grappling with worry, anxiety, or self-doubt along their MBA journey. 

In this episode, Sylvester Youlo, MD, MBA, MHA,  FAAOS, FAAHKS - Orthopedic Surgery & Sports Medicine, Business Strategy & Leadership, Phelps Health in Rolla, Missouri, joins the podcast to share his journey from Liberia to rural Missouri and discuss why medical education must be streamlined to meet growing physician shortages. He also offers insights on leadership, innovation, and building systems that improve patient care.

In this episode, Miguel Gonzalez, CRC, shares smart strategies to protect your finances and take advantage of opportunities in a high-rate environment.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#Cortburg #interestrates #financialplanning #retirementplanning #debtstrategy #savingsaccounts #highinterestrates #budgetadjustment #moneymoves #refinance #CDrates #creditcards #investments #marketstrategy #financialadvisor #CortburgSpeaksRetirement #MiguelXGonzalez #emergencyfund #bondstrategy #smartmoneyWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Does this sound familiar? You've been told that “just learning every new AI tool” is the secret to staying relevant and leading your team into the future. But after hours tinkering with the latest apps and features, you're still feeling overwhelmed and wondering if you're actually making any real progress—or just adding more noise to your workflow. If you're tired of chasing shiny objects and still feeling uncertain about how to lead responsibly with AI, you're not alone. Let's talk about what actually works for ethical, human-centered leadership in this AI-driven world. In this episode, you will be able to: Explore how navigating AI and ethical considerations can build trust and long-term success in your business or industry. Discover AI tools that can boost your productivity and sharpen your leadership skills in today's fast-paced world. Embrace human-centered leadership with AI to create more meaningful connections and drive better team results. Understand AI's reshaping of the future of work and position yourself ahead of the curve. Leverage AI's role in ESG and sustainability to lead your organization toward a greener, more responsible future. The key moments in this episode are:00:01:00 - Navigating AI's Role in Leadership and the Future of Work 00:03:25 - How MBA Graduates Can Amplify Their Value with AI 00:07:54 - Future-Proofing Mid-Career Leadership in an AI-Driven World 00:10:06 - Practical AI Tools and Human-Centered Leadership for Enhanced Productivity 00:13:37 - Embracing Human-Centered Leadership in the AI Revolution 00:14:12 - Integrating ESG Perspectives with AI Innovation 00:16:32 - Scaling Global Knowledge with AI and Ensuring Equitable Access 00:18:05 - Leading Ethically in a Future of Human-AI Collaboration 00:20:23 - The Responsibility of Leadership in AI's Impact and Future Share this episode with an MBA student, someone in their mid-career, or someone considering what to study in college. Give a five-star rating and write a review for the podcast to help increase its reach. Sign up for BetterHelp and get 10% off your first month at www.betterhelp.com/difference. Check out Stanford HAI (Human-Centered Artificial Intelligence) on LinkedIn to learn more about their work. Visit Botipedia to explore its multilingual knowledge and education resources. Learn more about your ad choices. Visit megaphone.fm/adchoices

Este episódio de Escafandro, o primeiro feito em parceria com a Agência Lupa, conta como estelionatários ensinam golpes online, sob vista grossa das plataformas de mídias sociais. O número de estelionatos no Brasil não para de crescer. De acordo com o Anuário Brasileiro de Segurança Pública, de 2025, a quantidade de casos registrados aumentou mais de 400% desde 2018. De acordo com uma pesquisa Datafolha encomendada pelo Fórum Brasileiro de Segurança Pública, um a cada três brasileiros foi vítima de algum golpe digital no último ano. Mas, nessa apuração exclusiva, a Lupa descobriu que o crescimento dos golpes digitais não é orgânico, apenas. Não são só golpistas copiando golpistas. Existem escolas de golpe online que ensinam técnicas das mais diversas. Como clonar um cartão, como usar esse cartão sem ser pego, como configurar sites falsos, como burlar o reconhecimento facial e assim por diante.Boa parte desses cursos, e dos golpes que eles ensinam, ocorre em plataformas como o TikTok, o Instagram e o YouTube, além de aplicativos de mensagem como WhatsApp e Discord. As grandes empresas de tecnologia, por sua vez, não parecem empenhadas em coibir esse tipo de prática.Episódios relacionados#31: Profundezas da rede – Capítulo 1: O Tabuleiro#90: Era uma vez um Google bonzinho#133: Inteligência artificial artificialEntrevistados do episódioCezar Bueno de LimaDoutor em ciências sociais pela Pontifícia Universidade Católica de São Paulo (PUC-SP) e autor do livro “Jovens em Conflito com a lei: liberdade assistida e vidas interrompidas”.Alessandro HirataProfessor de Direito da Universidade de São Paulo (USP) Fernanda VicentiniProfessora de conteúdo e redes sociais dos cursos de Pós-Graduação e MBA da ESPM.Luiz Augusto Filizzola D'Urso Advogado especialista em cibercrimes e professor de Direito Digital da Fundação Getúlio Vargas (FGV), David Marques Sociólogo e coordenador de projetos do Fórum Brasileiro de Segurança Pública.Ficha técnicaPauta, produção e reportagem: Gabriela SoaresEdição: Matheus Marcolino.Mixagem de som: Vitor Coroa.Trilha sonora tema: Paulo GamaDesign das capas dos aplicativos e do site: Cláudia FurnariDireção, roteiro e apresentação: Tomás Chiaverini  

What makes the Gulf South one of the most exciting—and overlooked—regions for biotech innovation? In this special episode, Elaine Hamm, PhD (Tulane Medicine), Patrick Reed, RTTP (Auburn University), and Marcus Brown, PhD (LSU Health) come together to explore the origins, growth, and future of BIO on the BAYOU, the preeminent event showcasing biotech across the Gulf South. From its beginnings as a collaboration between Tulane and LSU, to its expansion into a regional destination that attracts universities, startups, investors, and global partners, this conversation dives into why BIO on the BAYOU has become a must-attend for biotech leaders (returning October 28 & 29, 2025). In this episode, you'll learn: How BIO on the BAYOU grew from a local idea to a marquee conference drawing national and international attention. Why the Gulf South's overlooked science, startups, and universities are finding their spotlight through this event. The unique mix of panels, pitches, partnering, and New Orleans-style networking that sets BIO on the BAYOU apart. Whether you're a startup founder, an investor, or simply curious about the future of Gulf South biotech, this episode gives you a front-row seat to the story behind BIO on the BAYOU 2025. Links: Check out BIO on the BAYOU and make plans to attend October 28 & 29, 2025. Connect with Elaine Hamm, PhD, and learn about Tulane Medicine Business Development and the School of Medicine. Connect with Patrick Reed, RTTP, and learn about Auburn University. Connect with Marcus Brown, PhD, MBA, and learn about LSU Health New Orleans. Check out the New Orleans BioInnovation Center (NOBIC) and check out their BioChallenge 2025. Check out The Bullpen and PartneringONE. Connect with Ian McLachlan, BIO from the BAYOU producer. Learn more about BIO from the BAYOU - the podcast. Bio from the Bayou is a podcast that explores biotech innovation, business development, and healthcare outcomes in New Orleans & The Gulf South, connecting biotech companies, investors, and key opinion leaders to advance medicine, technology, and startup opportunities in the region.

What starts as a story inspired by a grandfather's World War II experience with champagne turns into a full-circle journey through fine dining, wine education, and app development.  In this episode of Wine Behind the Scenes, Laurel Simmons is joined by Jeff Gillis, a certified sommelier, adjunct professor, and former food and beverage director at luxury hotels in Beverly Hills and Napa Valley.  Jeff shares how his upbringing shaped his love of wine and why curating wine lists at five-star hotels prepared him for teaching and innovating. He talks about building his app, Wine Likes, a gamified platform designed to help wine lovers connect, learn, and discover new bottles.  Whether you're in hospitality, a wine student, or just someone who's tired of wine apps that don't get you, this conversation blends tradition and tech with heart and a healthy splash of fun.  What You'll Learn:  How WWII and a European-style home influenced Jeff's love of wine What it's really like to run wine programs at world-class hotels The power of educating future wine pros with science and storytelling Why supporting local winemakers is a long-term win What led Jeff to create a social wine app, and how it works The real challenges of transitioning from hospitality to tech A surprising 'wonky wine term' that might make you giggle And if you're ready to hear how the past, present, and future of wine collide in one conversation? Listen now at www.winebehindthescenes.com Jeff Gillis began his career in the hospitality industry, spending over 15 years as a food and beverage director, wine buyer, and wine director for top-tier hotels like The Beverly Hills Hotel, The Peninsula Group, and Bardessono in Napa Valley. After earning an MBA from the University of Illinois, he transitioned into biotech operations, where he also began building Wine Likes, a social platform for wine lovers. A WSET2-certified sommelier and adjunct professor at the College of the Canyons, Jeff is passionate about teaching, innovating, and making wine fun again, especially for those who want to enjoy wine without the pressure of being an expert. You can visit Jeff's website here: www.winelikes.com and all of his other socials: Instagram: @winelikesapp LinkedIn: @winelikesceo Facebook: @winelikes TikTok: @winelikes

Esta semana, Blanca Juana platica con Carla Adriana sobre una historia inspiradora y emocionante: hija de agricultores de Matamoros, a los 16 dejó la casa paterna para irse a Monterrey a estudiar. Ahí se volvió Química Bacterióloga y Parasitóloga… y regia de corazón.Su empresa es su otro matrimonio. Luego de 33 años de relación, se ha querido con ella en las buenas y en las malas, en la salud y en la enfermedad: cuando recibió su diagnóstico de esclerosis múltiple, sus jefes, los dueños, ajustaron los ritmos de las responsabilidades que tenía para liberarla de presión.  Y la lealtad, claro, va en dos vías. Ella se ha movido una y otra vez a donde la compañía la ha necesitado, lo cual, por cierto, siempre, SIEMPRE, le ha traído sorpresas y nuevos aprendizajes. Tantito monja y tantito guerrillera, esta directiva que sabe de cables, de cárnicos, de botanas y de relaciones bien construidas, se ha vuelto cada vez más caminante y cada vez más agradecida. Saber fluir en la chamba es ser peregrina profesional.ACERCA DE CARLA: Es Directora de Asuntos Públicos y Relaciones Institucionales para México y LATAM en Xignux. Estudió la carrera de QBP (Químico Bacteriólogo y Parasitólogo) en la Facultad de Ciencias Biológicas de la Universidad Autónoma de Nuevo León, tiene un postgrado en Aseguramiento de Calidad por la Hochschule de Wismar, en Alemania, y un MBA por el IPADE. Acá su LinkedIn.

Does this sound familiar? You've been told that “just learning every new AI tool” is the secret to staying relevant and leading your team into the future. But after hours tinkering with the latest apps and features, you're still feeling overwhelmed and wondering if you're actually making any real progress—or just adding more noise to your workflow. If you're tired of chasing shiny objects and still feeling uncertain about how to lead responsibly with AI, you're not alone. Let's talk about what actually works for ethical, human-centered leadership in this AI-driven world. In this episode, you will be able to: Explore how navigating AI and ethical considerations can build trust and long-term success in your business or industry. Discover AI tools that can boost your productivity and sharpen your leadership skills in today's fast-paced world. Embrace human-centered leadership with AI to create more meaningful connections and drive better team results. Understand AI's reshaping of the future of work and position yourself ahead of the curve. Leverage AI's role in ESG and sustainability to lead your organization toward a greener, more responsible future. The key moments in this episode are:00:01:00 - Navigating AI's Role in Leadership and the Future of Work 00:03:25 - How MBA Graduates Can Amplify Their Value with AI 00:07:54 - Future-Proofing Mid-Career Leadership in an AI-Driven World 00:10:06 - Practical AI Tools and Human-Centered Leadership for Enhanced Productivity 00:13:37 - Embracing Human-Centered Leadership in the AI Revolution 00:14:12 - Integrating ESG Perspectives with AI Innovation 00:16:32 - Scaling Global Knowledge with AI and Ensuring Equitable Access 00:18:05 - Leading Ethically in a Future of Human-AI Collaboration 00:20:23 - The Responsibility of Leadership in AI's Impact and Future Share this episode with an MBA student, someone in their mid-career, or someone considering what to study in college. Give a five-star rating and write a review for the podcast to help increase its reach. Sign up for BetterHelp and get 10% off your first month at www.betterhelp.com/difference. Check out Stanford HAI (Human-Centered Artificial Intelligence) on LinkedIn to learn more about their work. Visit Botipedia to explore its multilingual knowledge and education resources. Learn more about your ad choices. Visit megaphone.fm/adchoices

Can AI transform healthcare? Dr Dan Mullarkey, Medical Director at Skin Analytics and GP, joins Tara to discuss how AI is revolutionising skin cancer detection. Dan shares his journey from traditional GP training to leading digital health innovations focused on preventative care. We explore the challenges of adopting AI in dermatology, including clinical validation, regulation, and trust issues.  Takeaways: Dans journey from NHS GP to digital health leader. How Skin Analytics uses AI for early skin cancer detection. Clinical validation, regulation, and trust issues in AI adoption. Addressing NHS workforce shortages with teledermatology and AI. Skin Analytics' European expansion plans and future healthcare vision. Visit Dan Mullarkey's LinkedIn here. Access the Skin Analytics Website here. Visit the Skin Analytics LinkedIn here. Work with me     I'm Tara Humphrey and I'm the founder of THC Primary Care, a leading healthcare consultancy. I provide project and network management to Primary Care Networks and consulting support to clinical leads. To date, I've worked with 11 Training Hubs and supported over 120 Primary Care Networks and 3 GP Federations.   I understand and appreciate the complexity of healthcare and what it takes to deliver projects across multiple practices.    I have over 20 years of project management and business development experience across the private and public sector and have an MBA in Leadership and Management in Healthcare. I'm also published in the London Journal of Primary Care and the author of over 250 blogs.    For more weekly insights and advice sign up to my newsletter.     Improving the Business of Healthcare – One Episode at a Time     Thanks for tuning into this week's episode of the Business of Healthcare Podcast. If you enjoyed this episode, head over to Apple Podcasts to subscribe, leave your honest review, and share.

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On this Live Greatly podcast episode, Kristel Bauer sits down with Wharton economist and market designer Judd Kessler to discuss his book, LUCKY BY DESIGN: The Hidden Economics You Need to Get More of What You Want.  Tune in now!  Key Takeaways From This Episode: A look into Judd's book, LUCKY BY DESIGN: The Hidden Economics You Need to Get More of What You Want What are some examples of invisible rules Tips to try and get a reservation at a highly sought out restaurant  Going for gold versus going for silver Tips for being successful while auditioning and interviewing Suggestions when looking to apply to colleges ABOUT JUDD KESSLER: Judd B. Kessler is the inaugural Howard Marks Endowed Professor of Business Economics and Public Policy at the University of Pennsylvania's Wharton School. In 2021, Kessler was awarded the prestigious Vernon L. Smith Ascending Scholar Prize for his path breaking scholarship. For his work on the hidden market of organ allocation, Kessler was named one of the “30 under 30” in Law and Policy by Forbes. He is an award-winning teacher whose courses are popular among undergraduates, MBAs, PhD students, and executives, as well as a sought-after speaker. His research and writing have been featured in leading media, such as The New York Times, The Wall Street Journal, The Washington Post, Los Angeles Times, Scientific American, Harvard Business Review, Politico, NPR, Hidden Brain, and Freakonomics, among others. He received a bachelor's degree, MA, and PhD from Harvard University and an MPhil from the University of Cambridge. At Harvard, Kessler trained with Nobel laureate Alvin E. Roth, one of the founders of market design, the area in which he has been conducting research for the past fifteen years.  Connect with Judd Kessler Order Judd's book: https://juddbkessler.com/book  Website: https://juddbkessler.com/  Linkedin: https://www.linkedin.com/in/juddkessler/  Instagram: https://www.instagram.com/juddkessler/  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to “Live Greatly” while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

If you're a physician with at least 5 years of experience looking for a flexible, non-clinical, part-time medical-legal consulting role… ...Dr. Armin Feldman's Medical Legal Coaching program will guarantee to add $100K in additional income within 12 months without doing any expert witness work. Any doctor in any specialty can do this work. And if you don't reach that number, he'll work with you for free until you do, guaranteed. How can he make such a bold claim? It's simple, he gets results…  Dr. David exceeded his clinical income without sacrificing time in his full-time position. Dr. Anke retired from her practice while generating the same monthly consulting income.  And Dr. Elliott added meaningful consulting work without lowering his clinical income or job satisfaction. So, if you're a physician with 5+ years of experience and you want to find out exactly how to add $100K in additional consulting income in just 12 months, go to arminfeldman.com.                                                          =============== This podcast is sponsored by the Physician Executive MBA Program at the University of Tennessee Knoxville's Haslam College of Business. Thinking about a nonclinical career path? In just one year, our physician-only MBA gives you the business and leadership skills to pivot, whether into administration, consulting, entrepreneurship, or beyond. Join a nationwide network of over 1,000 physician leaders. Learn more at nonclincicalphysicians.com/physicianmba.                                                          =============== Get the FREE GUIDE to 10 Nonclinical Careers at nonclinicalphysicians.com/freeguide. Get a list of 70 nontraditional jobs at nonclinicalphysicians.com/70jobs.                                                                                                 =============== Dr. Heather Signorelli shares her rapid progression from pathology training to healthcare executive leadership and entrepreneurship. After completing her residency and fellowship, she moved directly into hospital administration, eventually overseeing nearly 200 hospital laboratories across a major healthcare system. She explains how managing quality metrics, regulatory readiness, and clinical stewardship during COVID positioned her for executive growth. Yet after several years, she sought the creativity and challenge of solving new problems, which led her to co-found NatRevMD with her husband. She outlines the billing challenges that strain private practices, eligibility checks, denial management, and financial metrics, and emphasizes that while the early years of a business are demanding, effective delegation and the right hires make growth sustainable. She also draws from the NatRevMD podcast and her book, "Thrive," to offer practical advice for physicians evaluating billing services, including the key accounts receivable metric that signals when a change is needed. You'll find links mentioned in the episode at nonclinicalphysicians.com/executive-entrepreneur/

What if writing your book wasn't the finish line, but the moment everything starts? Today, we're celebrating what happens when a book becomes more than just pages on a shelf. When you publish with intention, you're not just sharing your ideas—you're stepping into new rooms, starting fresh conversations, and creating momentum you couldn't have planned for. Books open doors. Sometimes quietly, like a surprising email from a dream client. Sometimes loudly, with standing ovations at speaking gigs or major media invitations. But always powerfully. And when you build your book with the right foundation, it doesn't just open one door; it holds every door open for what's next. It's a perfect day to talk about this, because the day we record this episode, my newest book, “LAUNCH Your Book! An Entrepreneur's Guide to Reviews That Drive Revenue,” officially launches.  This book received more than 200 written Amazon reviews during its two-week soft launch. Many of those readers said this is the book they wish they had when they launched their first book—and I agree.  It's designed to help you turn readers into clients, reviews into revenue, and your book into a lasting business asset. You can get the book and bonus content at www.BookLaunchBrainstorm.com.  And now, I'm thrilled to welcome today's panelists—authors who know firsthand how publishing a book can spark surprising opportunities and incredible growth. Carolyn Choate wrote “Supercharge Your Website Traffic: Unlock The Secrets To Infinite Website Visitors” to help you discover the four essential types of website traffic—Borrowed, Organic Inbound, Organic Outbound, and Paid—and learn how to mix and match them to create a personalized, results-driven traffic strategy that actually fits your business. Eric Lucrezia wrote “Getting into an MBA in the USA: The no B.S. guide from Candidate Coach,” a no-fluff, step-by-step guide to standing out and getting accepted by top MBA programs around the world—with expert advice tailored to where you're applying. Susan Fitzell wrote “Neurodiversity in the Workplace: Maximizing Success through Inclusive Dynamic Workplace Design™,” a strategic guide for C-suite leaders to unlock innovation and boost performance by building inclusive, neurodiverse teams through practical, business-driven solutions. Please join me in welcoming Carolyn, Eric, and Susan.  In this episode, we discuss the following:

Live from RE+ Las Vegas 2025! On episode 34 of the League, David Magid and Benoy Thanjan covered the top clean energy trends we're seeing: Vehicle-to-Grid (V2G) innovation — Acura's 2026 luxury EV showcases how EV batteries can provide backup power, resilience, and even revenue for homeowners while integrating into virtual power plants. EPC + supply chain bottlenecks — With new ITC rules and project rushes, developers must coordinate early with EPCs and suppliers to avoid costly delays. M&A momentum — Madison Energy Infrastructure just acquired NextEra Energy Resources DG platform, signaling strong demand for distributed generation. At RE+ we're also seeing retail electricity pricing climb sharply, especially in PJM, making solar even more competitive as the lowest-cost, fastest-to-build source of electricity.  A big thank you to Honda for letting us record this episode from their booth — it was the perfect backdrop to talk about innovation, resilience, and the future of clean energy. Give us 5 minutes and we'll give you the top insights in clean energy.    Host Bio: David Magid David Magid is a seasoned renewable energy executive with deep expertise in solar development, financing, and operations. He has worked across the clean energy value chain, leading teams that deliver distributed generation and community solar projects. David is widely recognized for his strategic insights on interconnection, market economics, and policy trends shaping the U.S. solar industry. Connect with David on LinkedIn: https://www.linkedin.com/in/davidmagid/   Host Bio: Benoy Thanjan Benoy Thanjan is the Founder and CEO of Reneu Energy, solar developer and consulting firm, and a strategic advisor to multiple cleantech startups. Over his career, Benoy has developed over 100 MWs of solar projects across the U.S., helped launch the first residential solar tax equity funds at Tesla, and brokered $45 million in Renewable Energy Credits (“REC”) transactions. Prior to founding Reneu Energy, Benoy was the Environmental Commodities Trader in Tesla's Project Finance Group, where he managed one of the largest environmental commodities portfolios. He originated REC trades and co-developed a monetization and hedging strategy with senior leadership to enter the East Coast market. As Vice President at Vanguard Energy Partners, Benoy crafted project finance solutions for commercial-scale solar portfolios. His role at Ridgewood Renewable Power, a private equity fund with 125 MWs of U.S. renewable assets, involved evaluating investment opportunities and maximizing returns. He also played a key role in the sale of the firm's renewable portfolio. Earlier in his career, Benoy worked in Energy Structured Finance at Deloitte & Touche and Financial Advisory Services at Ernst & Young, following an internship on the trading floor at D.E. Shaw & Co., a multi billion dollar hedge fund. Benoy holds an MBA in Finance from Rutgers University and a BS in Finance and Economics from NYU Stern, where he was an Alumni Scholar. Connect with Benoy on LinkedIn: https://www.linkedin.com/in/benoythanjan/ Learn more: https://reneuenergy.com   If you have any questions or comments, you can email us at info@reneuenergy.com.

“The more time you spend complaining about what you deserve, the less time you have to focus on what you can create. Focus on what you can control.” ― James Clear Check Out These Highlights:   I actually interviewed James Clear when his book, Atomic Habits, was first released. His approach to making micro steps and building on those every day creates the life you've imagined and can actually achieve.  It's all about creating habits and implementing systems to help us thrive at work and at home. So, how do we apply the concept of micro habits to shift our mindset and habits around money? About Laura Rotter: Laura is a CFA, MBA, CFP®, and the founder of True Abundance Advisors. After a successful career managing money on Wall Street, Laura experienced her own transformation — shifting from a life driven by achievement and fear to one guided by purpose and presence. Today, she helps midlife professionals in transition develop a healthier relationship with money, combining financial planning with mindfulness to create lives of clarity, confidence, and true abundance. How to Get in Touch with Laura Rotter: Website: http://www.trueabundanceadvisors.com/ Email:  laura@trueabundanceadvisors.com Gift: https://sharingyourinput.com/trueabundance/kzyq586/start Stalk me online! LinkTree: https://linktr.ee/conniewhitman Subscribe to the Changing the Sales Game Podcast on your favorite podcast streaming service or YouTube.  New episodes are posted every week - listen as Connie delves into new sales and business topics, or addresses problems you may have in your business.

Yue Zhao's career began with aspirations rooted in a desire to help people, initially thinking she would become a doctor. However, her path led her into the tech industry, where she spent over 15 years as a product executive in Silicon Valley.  Discovering the power of executive and leadership coaching became a pivotal point in her career. Inspired by her experiences and driven by her commitment to support underrepresented groups, Yue transitioned from a tech executive to a full-time executive coach. She now focuses on advancing the careers of women and minorities by leveraging her unique insights and personal journey. Through her Substack newsletter, "The Uncommon Executive," and her coaching work, Yue shares valuable lessons on leadership, overcoming challenges, and creating more inclusive workplaces. Yue has coached hundreds of aspiring executives since 2016, is an instructor at Reforge and Maven and is the author of the Uncommon Executive: Breakthrough to the C-Suite as a Minority. She's also been a VC back founder, venture partner at Life X Ventures and a consultant at McKinsey and Company. Yue has an MBA from Harvard Business School and a BS in Biomedical Engineering from the University of California at Berkeley    What You Will Hear in This Episode:    02:16 Youi's Journey: From Aspirations to Reality 03:52 Discovering Executive Coaching 06:22 Challenges and Triumphs in Silicon Valley 09:20 Leveraging Unique Perspectives 13:37 Coaching Women and Minorities 17:27 Addressing Gender Bias and DEI Efforts 22:03 Building a Web of Influence 23:04 Challenges in Career Advancement 25:03 The Importance of Advocacy and Relationships 33:24 Creating Inclusive Work Environments   Quotes “Being able to empathize with multiple different perspectives is crucial.” “Finding those moments where you can say, okay, who I am, and where I naturally come from, gives me a step up.” “If I do the work and I do it really well, that'll get me ahead.” “When you've been in environments where you see what great looks like, you're like, ‘This should just be everywhere.”   Mentioned: The Uncommon Executive subastack LinkedIn   eConnect with Bonnie Online Course for Ambitious Women: https://www.female-career-accelerator-online.com/ Substack Newsletter: Own Your Ambition Gendered Ageism Survey Results Forbes article 5 Tips to own the superpower of your age IAMMusicGroup   Purchase my book Not Done Yet on Amazon:    If you enjoyed this episode of Badass Women Podcast, then make sure to subscribe to the podcast and drop us a five-star review  

Mom Curious is a weekly podcast produced by Hoff Studios in New York City, hosted by storyteller, actress, and cultural voice Daniella Rabbani. Each episode dives into candid, thought-provoking conversations about motherhood, womanhood, and the messy, magical spaces in between. With humor, honesty, and curiosity, Daniella sits down with women of all stripes to talk about what it really means to raise children—and ourselves—in today's world.About the HostDaniella Rabbani (@DaniellaRabbani on Instagram) is a Brooklyn-based storyteller, actress, singer, and podcast host. On screen, she's appeared in HBO's Scenes from a Marriage, Amazon's The Better Sister, FX's The Americans, and films like Ocean's 8. On stage, she's headlined concerts worldwide, from Jazz at Lincoln Center to the State Jewish Theater in Warsaw. She is also the voice behind national campaigns for Colgate, Starbucks, and Noom.Through her podcast Mom Curious, Daniella blends her creative spirit and lived experience as a mother of two to spark conversations that are raw, hilarious, and deeply relatable. Her mission: to create a community where mothers (and those curious about motherhood) feel seen, supported, and inspired.Tara Clark is an author, speaker, content creator, podcaster, mental health advocate, and the founder of Modern Mom Probs. After becoming a mom and recognizing a hole in the online space for moms to authentically connect, she launched her Instagram account in 2016. She has since built a valued community, solidifying herself as a humorous, trusted voice in the parenting space. Her work has been featured in prominent publications including Washington Post, Today, Motherly, Parents.com, Scary Mommy, and Yahoo Life.Tara published her first parenting book, “Modern Mom Probs: A Survival Guide for 21st Century Mothers” in April 2021. As an advocate for maternal mental health support, Tara held the honor of being the 2021 Spokesperson of The Blue Dot Project, the national symbol for maternal mental health survivor-ship, support, and solidarity. She is also recognized as a Mental Health Champion by the Mental Health Coalition.In 2022, she launched the Modern Mom Probs podcast where she seeks to find solutions for modern mom problems by interviewing medical experts, therapists, popular content creators and authors, including New York Times best-selling authors Dr. Shefali, Eve Rodsky, Kelly Rowland, and Tiffani Thiessen.An avid mental health advocate, Tara has spoken about content creator burnout at conferences, such as Alt Summit and Mom 2.0 Summit.Tara holds a Bachelor of Arts in Communication from Villanova University and an MBA from Metropolitan College of New York in Media Management. She currently lives in New Jersey with her husband and son.Stay Connected• Follow Mom Curious on Instagram: @momcuriousTara Clark on Instagram: @modernmomprobsDaniella Rabbani on Instagram: @daniellarabbani• Subscribe on Spotify or Apple Podcasts• Share this episode with a friend who needs it! Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Vet Blast Podcast presented by dvm360, our host Adam Christman, DVM, MBA, and Matthew W. Brunke, DVM, DACVSMR (Canine), CCAT, Fellow IAVRPT, sit down to discuss  multimodal pain management in veterinary medicine. Throughout the episode, the doctor take a deep dive into  innovative treatment options for pain management, from joint injections to acupuncture, plus the importance role clients play in their pets pain management. Article mentioned in the episode: https://www.dvm360.com/view/pain-management-in-veterinary-medicine-what-s-new- dvm360's Pain Awareness Month content is sponsored by Elanco. 

Synopsis: When biotech meets bold partnerships, new models of innovation emerge. In this episode of the Biotech 2050 Podcast, host Rahul Chaturvedi welcomes Paul Biondi, Managing Partner at Flagship Pioneering, and Uli Stilz, Vice President, R&D External Innovation Partners at Novo Nordisk, to explore the power of co-creation. Together, they unpack how Flagship's pioneering medicines model and Novo's Bio Innovation Hub intersect to accelerate breakthroughs in obesity, diabetes, and cardiometabolic diseases. They share lessons on building trust, navigating crises, and structuring alliances that go beyond transactions into enduring innovation ecosystems. From human disease atlases to new frameworks for agile collaboration, this episode offers a rare behind-the-scenes look at how pharma and biotech can partner differently—turning complexity into transformative therapies. Biography: Paul Biondi is a Managing Partner at Flagship Pioneering, leading Flagship's product and partnering capabilities, including Pioneering Medicines, Partnering, and Pipeline and Product Innovation. In this role, Paul oversees Pioneering Medicines, Flagship's in-house drug discovery and development unit, as well as therapeutic partnering and business development efforts for the Flagship ecosystem, including driving broad institution-wide Innovation Supply Chain partnerships with biopharma companies to jointly conceive and create innovative products. Paul also works with Flagship company CEOs and their teams to achieve the best attainable value for each company, guiding them in their pipeline strategy, product concepts, R&D execution, and partnering approach. He serves on the boards of Flagship-founded companies, including Tessera Technologies (NASDAQ: TSRA) and Valo Health. Paul Biondi is Managing Partner at Flagship Pioneering, joining after 17 years at Bristol-Myers Squibb (BMS), where he served as SVP of Strategy & Business Development and held leadership roles in R&D. He previously spent nine years at Mercer Management Consulting. Paul earned his MBA from the Kellogg School of Management at Northwestern University and his B.A. from Dartmouth College. Uli Stilz is Corporate Vice President, R&D External Innovation Partners, External & Exploratory Innovation (E2I) at Novo Nordisk., based in Boston. He leads a global R&D team that builds creative partnerships with biotech, venture capital, academia, and research hospitals to co-create next-generation therapeutics in cardiometabolic and rare diseases. Building on the success of the Novo Nordisk Bio Innovation Hub, Uli and the E2I team drive an externally anchored portfolio of collaborations that stimulate global innovation ecosystems and advance Novo Nordisk's pipeline. Uli Stilz earned his Master's in Organic Chemistry from ETH Zürich and a Ph.D. in Biochemistry from the Max-Planck-Institute of Biochemistry in Martinsried, followed by postdoctoral research at Caltech. He began his industry career at Hoechst AG and later Sanofi, where he became Associate VP of the Innovation Unit in the Diabetes Division. Over two decades, he contributed to more than 60 preclinical and clinical drug candidates in cardiometabolic, immunology, and oncology. From 2012–2014, he served as President of the European Federation for Medicinal Chemistry. In 2014, Uli joined Novo Nordisk in Copenhagen and in 2019 moved to Boston to establish and lead the Bio Innovation Hub, now the External & Exploratory Innovation (E2I) organization. He also serves as Adjunct Professor at the University of Frankfurt, sits on editorial and scientific advisory boards, and holds board roles at the Kendall Square Association and Gensaic, while advising the aMoon Fund.

On this episode of Managed Care Cast, The American Journal of Managed Care® (AJMC®) speaks with Tory M. Wolff, MBA, an author of a study published in the September 2025 issue and managing partner of Recon Strategy, a management consulting firm specializing in health care strategy. His study, "Impact of More Primary Care Visits on Commercial Health Care Costs," found that more frequent routine primary care visits among certain higher-risk commercially insured adults are associated with lower net population-level health care costs. In this conversation, Wolff explores the inspiration behind his research, expands on his findings, and discusses the next steps to better understand the long-term value of routine primary care in commercial populations.

Our annual Meet the MBA Class feature is up. Here's what it says about the latest crop of students to start their MBA journeys all over the world.

SD326 - Tenha clareza no seu Posicionamento Profissional. Já se perguntou onde você quer chegar profissionalmente? Pois é. Neste episódio, Dr. Lorenzo Tomé apresenta o Business Model Canvas para ajudar você, médico, a estruturar seu modelo de negócio com clareza e foco, utilizando seu principal recurso: sua capacidade intelectual. Um convite a buscar entendimento sobre qual sua proposta de valor, sua persona, as estratégias necessárias, parcerias-chave, planos de acompanhamento como alternativa para se obter receita recorrente e melhorar o desfecho para o paciente, e muito mais. Vem aí mais um Curso Plano de Acompanhamento da SD Escola de Negócios Médicos. Quer saber os detalhes sobre a próxima turma? Acesse Curso Plano de Acompanhamento Participe da comunidade SD Escola de Negócios Médicos. Acesse AQUI! Baixe nosso app: Android ou IOS O Background do Lorenzo Casado com a Natália e pai de 3 filhos, Lorenzo é médico, Cofundador e CEO da SD Conecta e SD Escola de Negócios Médicos, host do 1º podcast do Brasil a apresentar tecnologias para médicos e que está no ar desde maio de 2018. Ele é Professor de Medicina Digital na Faculdade de Medicina São Leopoldo Mandic, fez Mestrado e MBA em negócios nas melhores escolas de negócios do país, é Internship no Hospital Center University de Rouen - França entre várias outras atividades.  Assista este episódio também em vídeo no YouTube no nosso canal Saúde Digital Podcast: AQUI! Acesse os Episódios Anteriores! SD325 - O que a Indústria de Software tem para Ensinar para o Médico SD324 - Conteúdo Médico com IA: Dicas Práticas para Médicos que Querem Fazer a Diferença SD323 - Domine as suas Finanças através do DRE Music: We Are Here | Declan DP "Music © Copyright Declan DP 2018 - Present. https://license.declandp.info | License ID: DDP1590665"  

In this episode of Voices of Otolaryngology, host Rahul K. Shah, MD, MBA, AAO-HNS EVP and CEO, talks with Matthew D. Scarlett, MD, a private practice otolaryngologist in Charleston, South Carolina, and current Chair of the Academy's ENT Political Action Committee (PAC) Board. Dr. Scarlett breaks down how ENT PAC amplifies the voices of otolaryngologists on Capitol Hill, from securing meetings with lawmakers to advancing bills on prior authorization reform, Medicare reimbursement, and newborn CMV screening. Dr. Scarlett shares his personal journey into advocacy—sparked by frustration with barriers to patient care—and explains how ENT PAC strategically supports bipartisan lawmakers who can make a difference for physicians. The discussion highlights how the PAC Board prioritizes issues, the importance of member participation, and how easy actions like responding to “Act Now” alerts can significantly impact legislative outcomes. Whether you're a seasoned ENT or a trainee new to advocacy, this episode demystifies ENT PAC, encourages engagement, and shows how collective action strengthens the specialty's voice in Washington, DC.  Resources:  AAO-HNS Federal Legislative Advocacy: https://www.entnet.org/advocacy/federal-legislative-advocacy/ Project 535: https://myspecialty.entnet.org/AAOHNS/Project-535/Project-535.aspx Donate to the ENT PAC: https://donation.edonation.com/entpac/website/donate  Note: Contributions to ENT PAC are not deductible as charitable contributions for federal income tax purposes. Contributions are voluntary, and all members of the American Academy of Otolaryngology–Head and Neck Surgery have the right to refuse to contribution without reprisal. Federal law prohibits ENT PAC from accepting contributions from foreign nationals. By law, if your contributions are made using a personal check or credit card, ENT PAC may use your contribution only to support candidates in federal elections. All corporate contributions to ENT PAC will be used for educational and administrative fees of ENT PAC, and other activities permissible under federal law. Federal law requires ENT PAC use its best efforts to collect and report the name, mailing address, occupation, and the name of the employer of individuals whose contributions exceed $200 in a calendar year. ENT PAC is a program of the AAO-HNS which is exempt from federal income tax under section 501 (c) (6) of the Internal Revenue Code.  

Eric Zuncic is Global Managing Director & Chief Product Officer at Forsman & Bodenfors, leading the intersection of business strategy and creative innovation across the agency's global operations. Previously, he served as Chief Strategy Officer at DDB North America, and held senior strategic roles at agencies like Crispin Porter + Bogusky and Mekanism, working with major brands such as McDonald's' PepsiCo, and American Airlines. He holds an MBA from Harvard Business School and has a reputation for bridging creativity, product thinking, and business strategy in the agency world.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews James Swanke, Lecturer in Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business. He currently serves as Director of the Risk Management and Insurance MBA program. Justin and Jim talk about his 42 years of experience in Risk Consulting with Willis Towers Watson, and his specialties there, particularly with captives. They discuss the University of Wisconsin-Madison Risk Management and Insurance MBA program, what the students learn, and the competitions they have won in the last year, and they look forward to winning this year. Also, Jim tells of disc jockeying in college, from Classic Rock to Polka.   Listen to learn about captive design, how to prepare for emerging trends, and who wrote the best music of the '70s.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our special International Podcast Day episode because it's released on September 30th. We will be joined by Jim Swanke. He's a lecturer in the Risk Management Program of the University of Wisconsin. [:46] Jim started his career in broadcasting, and he still has the voice. We've got a lot to talk about today! [:54] RIMS-CRMP Prep Workshops! The next RIMS CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:06] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:23] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:39] On November 11th and 12th, Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on virtual workshops! [1:58] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:09] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:22] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:39] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:51] We're very excited that today is International Podcast Day! Before we celebrate, I wanted to take a moment to acknowledge and mourn the passing of Todd Cochrane. Todd was a podcast pioneer. [3:06] I've linked in this episode's show notes to a wonderful obituary from Podnews®, about his career, starting with his time in the Navy up to launching his own podcast, and writing Podcasting: The Do It Yourself Guide, from Wiley Publishing in 2005. [3:25] Over the last couple of months, I've had the pleasure of communicating with Todd over email for the Podcast Awards, and it was only last week that I saw the unfortunate news of his passing, which occurred suddenly on September 8th. [3:30] Our condolences go out to his family, friends, and the greater podcasting industry. [3:47] On with the show! This is our special International Podcast Day episode, and I am delighted to be joined by James Swanke, the Director of the Risk Management and Insurance MBA Program at the Wisconsin School of Business at the University of Wisconsin-Madison. [4:06] Jim spent four decades at WTW, specializing in financial and strategic planning issues, as well as captive insurance company design. [4:18] Jim was recently quoted in a new professional report, available on the RIMS Risk Knowledge page, and sponsored by LineSlip Solutions, titled “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” [4:32] Jim got his start at the University of Wisconsin in broadcasting. We're going to talk about his career path and how being a disc jockey led him to where he is today, educating the next generation of risk professionals. Let's get to it! [4:50] Interview! Jim Swanke, welcome to RIMScast! [5:38] When Jim was in high school, he competed in forensics, in extemporaneous speaking. He did very well. He did well at the University of Wisconsin-Madison, and it got put in the newspaper. WLDY, in Ladysmith, Wisconsin, saw it in the newspaper and contacted him. [6:03] They were looking for a radio jock to “spin vinyls,” do some DJing, and read sports and news. That job helped Jim get into the University of Wisconsin-Madison. [6:21] Jim studied actuarial science and risk management. He went into the Bachelor's program, the MBA program, and the graduate program in risk management, insurance, and corporate finance. [6:40] Jim was hired by the Wyatt Company and did lots of feasibility studies. After 42 years at Willis Towers Watson, he retired. Now he teaches at the University of Wisconsin-Madison. [6:57] Broadcasting set Jim on his path. He says that everything about what we do in the captive and risk management area is about communication. If you're not communicating, listening, helping out, and building stuff, you're not going to be a success. [7:28] When Jim was a DJ at WLDY, they played different kinds of music. On Sundays, he played polka music. On Saturdays, it was country western, and Monday through Friday, it was rock music. Rock music is what he enjoys. At the top of every hour, he did the news and weather. [8:13] Justin recalls his own career. He was just waiting for podcasting to be invented, then he was able to make it all work out. [8:31] Jim worked with captives at Willis Towers Watson. He is quoted in a new LineSlip paper, “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” Justin saw his name there and thought it would be good to have him on RIMScast. [8:53] Jim described captives as a lifeline during extreme market conditions, comparing today's hard market to the turbulence of the 1980s. Jim tells what makes captives effective under hard conditions. Captives allow organizations to control their own destiny. [9:20] When you're in a hard market, having a captive allows you to take premiums that you normally pay to a commercial insurance carrier and put them into your captive insurance company. A captive is a subsidiary of the captive owner. [9:41] Most of the Fortune 500 companies in the United States have a captive. It allows them to arbitrage whatever's going on in the insurance marketplace. When we're having a difficult market, they put more of their premiums into the captive and rely on the captive more. [9:58] When the market softens, carriers may provide insurance at premiums that are lower than the expected losses. Organizations will buy commercial insurance all the time when the premiums are less than their projected losses. [10:14] Depending on where it is in the market, a captive has a role in an organization's risk management program. [10:27] Jim says a lot of organizations have looked to captives since 2020. We were in the midst of the pandemic, with all kinds of economic hardship. The insurance industry was in despair, as well. A lot of insurance companies cut back on the limits they were willing to offer. [10:49] Insurance companies put additional exclusions onto their insurance, so organizations had to rely on their own sophisticated ways of financing their losses. If they hadn't set up a captive, they set up a captive. If they had a captive in the past, they re-engineered it to do more. [11:15] They also used their captives to access the reinsurance marketplace. Reinsurance is insurance for insurance companies. A captive can be used as a platform to access reinsurers. [11:37] Even in difficult markets, having reinsurers involved created more competition, provided more limits, and there was more flexibility in the coverage terms. [11:48] That was when the pandemic was going on, which triggered the hardening of the market and the lack of availability of insurance. Organizations with captives relied on them and did more. Organizations without captives had captive feasibility studies done and formed captives. [12:09] Jim says the CEO of a captive should be a senior person who will monitor what's going on, fairly senior in the organization. It's not a full-time position. It takes three or four hours a month, plus board meetings. [12:46] A captive is required to have a captive manager, who is an accountant. They keep the books and interface for the captive with the regulator. The President or CEO of the captive relies on the captive manager to do a lot of the daily work. [13:09] Jim says you need a senior person involved so people take the captive seriously. The senior person is going to be the driver in reducing the severity of loss through loss prevention and loss reduction. Having a senior person is so important to the success of the captive. [13:40] There are lots of considerations when you're looking to make changes to your captive. Changes could include adding emerging types of risks, like cyber risk. If you're a hospital, a lot of medical malpractice captives have been hugely successful and have grown surplus. [14:08] Healthcare institutions are passing on some of their capitated risk exposures into their captives because they've done quite well with their medical malpractice. These risks are not correlated with each other, so there is a diversification benefit. [14:22] As you look to make these changes, you need to look at increasing risk assumptions, different attachment points on reinsurance, and changing your investment policy. You have lots of levers, and if you make changes, you need to analyze what the impact will be on your captive. [14:52] Jim talks about leaning into technology. Before 9/11, we didn't have the sophisticated software we've created in the last few years. [15:06] To look at covering all the possibilities and changing your captives, from adding new coverages to reinsurance reattachment points, was a monumental amount of actuarial work to figure out how to optimize your captive. [15:19] Recently developed software looks at all the possibilities in terms of changing your captive to optimize what you're doing. 20 years ago, Jim would spend months doing the actuarial work, working with an investment bank and charging them heavy fees. [15:39] Now, with new software, what took Jim months and months to do can be done in a matter of two to three days. The productivity today, in terms of optimizing your captive, is far greater than it was 20 years ago, because of the software that has been developed. [15:55] Jim likes that the software looks at all the risks and how these risks interact with one another. Looking at risks in a captive holistically is very important because many of these risks are hardly correlated with one another. [16:15] Looking at risks holistically, you can figure out the diversification benefit of having all of these risks within your captive, which has a major impact on the amount of economic capital that your captive will need to maintain. This software has been a game-changer. [16:34] RIMS Events! On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [16:55] On November 17th and 18th, join us in Seattle, Washington, for the RIMS ERM Conference 2025. The agenda is live. Check out Episode 357 for Justin's dialogue with ERM Conference Keynote Presenter Dan Chuparkoff on AI and the future of risk. [17:14] Visit the Events page of RIMS.org to register. [17:17] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by September 30th! [17:32] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [17:46] The members-only registration link is on this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [17:56] If you are listening to RIMScast on our broadcast day, that means today is September 30th. It is last call for registration at the Earlybird rate! [18:08] In the spirit of it being September 30th, which is International Podcast Day, let's return to our interview with Jim Swanke! [18:22] Jim is the Director of the Risk Management and Insurance MBA at the University of Wisconsin-Madison. The curriculum includes technology, AI, and automation. In his classes, Jim is using the new software he discussed earlier. [18:46] Jim taught a class the day before on the principles of risk management. He talked about how risks are interrelated with each other and how you need to analyze them holistically, figuring out how they are correlated, not in siloes. [19:13] The holistic view will give you the best answer in terms of the economic capital that will be required to put into your captive. If you're analyzing risks silo by silo for each risk, that will lead you to having more economic capital in your captive than you need. [19:35] Jim has learned, in 42 years of consulting, that the CFOs in these organizations don't want to trap cash in their captives. Teaching this software to this new generation of students, they will be able to step into the roles of captive managers that the industry will need. [20:07] We're at the tip of the iceberg with AI. We're still learning in Academia what the power of AI is going to be. Jim foresees AI being very important in handling claims and in underwriting. [20:30] AI will allow commercial insurance companies to have a better way of doing their pricing and making decisions on whether or not risks should be accepted. It will also be beneficial to captives. [20:43] Jim thinks AI will advance the technology far ahead. We're just beginning to touch on some of the advantages within the insurance industry and within captives. [21:05] Jim started teaching in 2011. When University of Wisconsin-Madison Professor Dan Anderson retired, Jim was chosen to teach a class on sustainability that was started by Professor Anderson. He has taught it since 2011. [21:41] At the time, some students did not think anything was going on with climate change. A couple of students stood up in class and said all of this was just made up. It was a fantasy. [22:03] Today, when Jim goes into class, students are there a half-hour early and stay late. They are very connected and working together to figure out how to reduce CO2 emissions to slow down the heating of the planet and the extreme weather events that are coming more often. [22:24] The class has evolved over the years, and the students are more engaged than they ever have been. [22:33] The students from the University of Wisconsin-Madison were the winners of the Spencer-RIMS Risk Management Challenge at RISKWORLD 2025 in Chicago. Jim knows all of those students and had a couple of them in his class yesterday. [23:04] The students won with the Huntington, West Virginia case study, a six-month project. Huntington is on the Ohio River, and with extreme weather events, flooding has become a big issue in that community. They competed with students around the world to solve the issue. [23:49] Each school's team came up with things that could be done and conducted an analysis on what they thought was the best way of handling it. The University of Wisconsin-Madison's team focused on resiliency with levees and dikes to hold back the flooding. [24:27] The four Wisconsin students presented their paper and won, out of 61 schools competing. The University of Wisconsin-Madison received $10K. The second-place university, DePaul, received $7.5K, and the third-place school, IIRM Hyderabad (past year winner), got $5K. [25:04] The University of Wisconsin-Madison team entered two other contests last year and won them both. The CICA Captive competition involved case studies around Kaneka captives. It required an essay and a PowerPoint deck. [25:52] The MBA students entered the A.M. Best competition for insurance solutions to a global issue. The students used a combination of parametric and indemnity triggers to provide insurance to the disadvantaged in the Caribbean and Latin America. [26:23] If there was hurricane damage, it would trigger a parametric to allow an amount of money to be paid immediately to these disadvantaged families. Then there would be the indemnity insurance that would look at the actual losses and true them up to the loss amount. [26:49] It involved the combination of parametrics and conventional indemnity insurance, which was noteworthy and probably pushed the team over the top. [27:11] The professor who was the advisor in the Spencer Challenge is Carl Barlett. Carl is an attorney by training, and he has the energy to work with bachelor's students. He's graduated hundreds of people out of his program over the last four or five years. [27:59] The University has Career Fairs where 60 or 70 companies will come to meet with students. That's a credit to Carl. Not a lot of companies will come to a university to meet with students. Because of the program he put together, lots of organizations want to hire students. [28:21] The University of Wisconsin-Madison business school is typically ranked number 1. [28:31] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:50] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [29:06] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [29:19] Let's Get Back to Our Interview with Jim Swanke of the University of Wisconsin-Madison! [29:46] Jim tells his students that we don't know today what the emerging risks are going to be. What we need to do is design our risk management program and keep our eyes and ears open to what is going to happen next. [30:04] Jim cites The Black Swan, by Nassim Nicholas Taleb. It gets into what we need to do as people of risk management and societies to try to identify the emerging risks that will impact us going forward. [30:21] In risk management, we look at the past to try to project what's going to happen in the future. We were caught by the pandemic. Very little business interruption insurance was offered. If we had been forward-thinking, we would have thought about coverages for the emerging risks. [31:19] An emerging risk after 9/11 was that insurance companies put exclusions on their insurance policies, excluding terrorism. The Federal Government passed the Terrorism Risk Insurance Act (TRIA) and offered it as a backstop to insurance companies. [31:55] Anybody with a captive could access that reinsurance through the U.S. Treasury, using their captive insurance company. [32:23] Jim sees more employee benefits going into captives. The advantages you have in the P&C area are also in place for employee benefits. Organizations with large workers' compensation self-insurance programs are putting excess workers' compensation into captives. [32:57] Jim says you need to be nimble and on your toes. Emerging risks are going to come out over the next 10 to 15 or 20 years. Keep your eyes and ears open so when they emerge, you can deal with them to reduce the frequency and severity of loss and see how to finance them. [33:19] Jim highly recommends reading The Black Swan. It's a good way to begin to think about how you should think about emerging risks. [33:42] Jim says school is going really well. One thing he noticed this year is the diverse nature of his students. There are more disciplines within the risk management area that people are interested in. [33:56] In class recently, Jim had a group that was in the investment banking area, a group that was in HR, and a couple of students from China. There was a broad diversity in the class. [34:16] It enriches the conversation to have people coming from different places with different backgrounds and different educational experiences. It shows the power of having diversity in the classroom. It's exciting. [34:32] The class will write papers on Enterprise Risk Management and talk about captives, and more. They'll compete in the CICA Captive Competition again, to maintain their number one rating there! They're off to a great start! It's nice to see students so highly energized! [34:53] Jim says the future is bright with the students graduating from the Wisconsin School of Business at the University of Wisconsin-Madison. [35:22] Justin and others have liked Jim's broadcasting voice. Jim thanks Justin for commenting on it. [35:55] Jim's time as a DJ was 50 years ago. He recalls two or three instances of hot mikes, when some of the FCC's seven deadly words may have been spoken. He says nobody wants that, but it was a real learning experience. [36:29] Jim recalls when the studio tower was hit by lightning. Jim was alone in the radio station when it happened. Lightning bolts were flying around the building after the tower got hit. The station went off the air, and Jim had to figure out a way to put it back on the air. [36:58] Jim highly recommends to young people, if you get an opportunity to get involved with radio or TV, give it a shot, because it's a lot of fun! Justin ties it to podcasting and video blogging. [37:42] Jim likes all the music of 1976 and didn't have a favorite album. He likes Deep Purple and Bob Seger. He says there's no better songwriter than Bob Seger. There was a diversity of good music going out at that time. It was a wonderful time to be working in a radio station. [38:47] Justin is a father of two young people under 12 who like to listen to classic rock. “Dancing in the Moonlight,” by King Harvest, is a greatest hit in the family. They love Van Morrison. [39:56] On the subject of podcasting, Jim thinks there is an opportunity to develop content that helps the everyday American with their personal insurances, like homeowners, auto, health, life, and how they buy their insurances. [40:45] In class recently, the MBA students, the brightest and best, designing plans for New York investment banks and worldwide financial institutions, told Jim that they had questions about what to buy in auto policies and homeowners policies. [41:07] Jim states that an insurance podcast for the everyday American is something the industry needs to be doing. Justin suggests that members of the global RIMScast audience could pick up the baton and get to work! [41:27] Maybe it becomes part of the coursework for a class like Jim's. It could be part of a challenge, like the Spencer-RIMS Risk Management Challenge. [41:48] Jim says being able to talk about this with graduate students gives them some familiarity with what risk is, in terms of the instability of results. They can relate to it because they need to buy an auto policy or a homeowners policy. [42:03] While these coverages don't match up perfectly with what's going on in the commercial insurance marketplace, learning about them gives students a sense of what insurance is about, what risk management is about, and how to reduce the frequency and severity of losses. [42:22] Jim, it has been such a pleasure to speak with you and to pick your brain on risk management education, broadcasting, and music! Thank you so much for joining us here on RIMScast! [42:33] Good luck to you and your students at the University of Wisconsin-Madison, as you look to the 2026 competitions. I can only imagine they're going to do great things! [42:58] Special thanks again to Jim Swanke for joining us here on RIMScast! For more information, check out the links in this episode's show notes. [43:06] Remember to check out “The Future of Captive Insurance: Governance, Technology, and Performance Optimization”, a Professional Report sponsored by LineSlip. It is available through the Risk Knowledge Page of RIMS.org. That link is also in this episode's show notes. [43:22] The paper features a lot of Jim's fascinating perspective and insights on captives. [43:28] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [43:56] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [44:14] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [44:33] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [44:48] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [45:02] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [45:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! — Last Call! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now “The Future of Captive Insurance: Governance, Technology, and Performance Optimization” — Professional Report, Sponsored by LineSlip | Featuring insight from James Swanke University of Wisconsin-Madison Wins 2025 Spencer-RIMS Risk Management Challenge Internationalpodcastday.com Obituary for Podcasting Trailblazer Todd Cochrane RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by HUB   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker Intro to ERM for Senior Leaders | Nov. 4‒5 | Instructor: Elise Farnham Fundamentals of Insurance | Nov. 11‒12 | Instructor: Chris Hansen Leveraging Data and Analytics for Continuous Risk Management (Part I) | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about Education, Risk Talent, and Captives: “Risk Management Momentum with Lockton U.S. President Tim Ryan” “RIMS 2025 Risk Manager of the Year, Jennifer Pack”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: James Swanke, Lecturer: Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, Director of the Risk Management and Insurance MBA program Production and engineering provided by Podfly.  

In this episode of the FocusCore podcast, host David Sweet welcomes Chie Ikegawa, an expert in finance and FP&A, to discuss the evolution of financial planning and analysis (FP&A) in Japanese companies. Chie explains the unique challenges Japanese companies face in adopting FP&A practices compared to American companies, highlighting the cultural and structural differences. She shares her experiences in transforming FP&A departments, emphasizing the importance of leadership commitment, role definition, and effective training. Chie also outlines the future of FP&A, including the impact of AI and data analytics on the function. Ultimately, she advocates for tailored FP&A solutions that fit the specific needs of Japanese companies.Register for our upcoming Salary Guide Release Event: INSERT Short Link => Attribution link Salary guide 2025In this episode you will hear: Chie's career journey and her advocacy for establishing strong FP&A functions.The evolution of FP&A in Japanese companies and why it's essential for growth.The key differences between US and Japanese FP&A models and their implications.The process of transforming traditional management accounting into modern FP&A functions.Real-world case studies from Fujitsu, Ajinomoto, and Kirin that highlight successful transformations.How AI and digital tools are reshaping the future of FP&A in Japan.About Chie: Chie Ikegawa (PhD in Professional Accounting, MBA) is a finance professional who has served as CFO and FP&A (Financial Planning & Analysis) leader at the Japanese subsidiaries of global companies such as P&G, McDonald's, Lenovo, and Kellogg. She now helps Japanese companies establish and strengthen their FP&A functions to maximize corporate and business value. She also serves as a board member of listed Japanese companies. She teaches management control, management accountants, and corporate governance at a business school.She started golf 2 years ago and enjoys almost every weekend.Her books are;The Changing Roles of Management Accountants: A Japanese Perspective (2023)Practical Implementation of FP&A in Japanese Companies (2025) Connect with Chie: LinkedIn: https://www.linkedin.com/in/chie-ikegawa-1ba765b/Website: http://strat.jp/実践　日本版FP&A(her new book)https://www.amazon.co.jp/%E5%AE%9F%E8%B7%B5-%E6%97%A5%E6%9C%AC%E7%89%88%EF%BC%A6%EF%BC%B0%EF%BC%86%EF%BC%A1-%E6%B1%A0%E5%81%B4%E5%8D%83%E7%B5%B5/dp/450253191X/ref=pd_sbs_d_sccl_2_1/355-0484169-3913341?pd_rd_w=ncOp1&content-id=amzn1.sym.fe9e7b6a-7eb1-4695-9d8d-c2c9268438f1&pf_rd_p=fe9e7b6a-7eb1-4695-9d8d-c2c9268438f1&pf_rd_r=C6MP8BCHWP7Z05QX392C&pd_rd_wg=BVLI6&pd_rd_r=0abae083-a1f9-4822-985b-bfbb70bc3fbc&pd_rd_i=450253191X&psc=1Connect with David Sweet:LinkedIn: https://www.linkedin.com/in/drdavidsweet/ Twitter:

Dr. David Fajgenbaum, MD, MBA, MSc, is a pioneering physician-scientist, tenured professor at the Perelman School of Medicine at the University of Pennsylvania, and national bestselling author who transformed his personal battle with the rare, deadly Castleman disease into a global mission to accelerate cures for humanity's 12,000 known diseases. Diagnosed after losing his mother to cancer, Fajgenbaum endured five near-death experiences before using his medical training to identify sirolimus—a repurposed drug—as a life-saving treatment, achieving remission marking over a decade cancer-free as of 2025. A Georgetown University graduate with advanced degrees from Oxford and Wharton, he co-founded the Castleman Disease Collaborative Network (CDCN) and Every Cure, leveraging AI and drug repurposing to unlock hidden treatments, earning spots on TIME's 2025 TIME100 Health list and major media recognition for his "cure thyself" story. Through his book Chasing My Cure and speaking engagements, Fajgenbaum inspires hope, advocates for patient-driven research, and pushes for policy changes to speed up cures for rare diseases affecting millions worldwide. Shawn Ryan Show Sponsors: https://americanfinancing.net/srs NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-781-8900, for details about credit costs and terms. https://bunkr.life – USE CODE SRS Go to https://bunkr.life/SRS and use code “SRS” to get 25% off your family plan. https://shawnlikesgold.com https://ROKA.com – USE CODE SRS https://simplisafe.com/srs https://USCCA.com/srs https://ziprecruiter.com/srs https://gemini.com/srs Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees: gemini.com/legal/cardholder-agreement. Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement. Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Dr. David Fajgenbaum Links: Website - https://davidfajgenbaum.com X - https://x.com/DavidFajgenbaum IG - https://www.instagram.com/dfajgenbaum LI - https://www.linkedin.com/in/davidfajgenbaum Every Cure - https://everycure.org Castleman Disease Collaborative Network - https://cdcn.org TED talk - go.ted.com/davidfajgenbaum TED YT - https://youtu.be/sb34MfJjurc Chasing My Cure (Amazon) - https://www.amazon.com/Chasing-My-Cure-Doctors-Action/dp/1524799637 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Forget everything you thought you knew about retirement planning. While 401(k)s and IRAs get most of the spotlight, brokerage accounts can be a powerful tool for flexibility, tax savings, and early retirement.In this episode, you'll learn the seven key advantages brokerage accounts offer, including how a married couple could generate over $126,000 in tax-free annual income, how heirs can inherit appreciated assets without paying capital gains tax, and how these accounts provide penalty-free access to funds before age 59½.Ari explains how brokerage accounts can bridge the gap for early retirees, solve the “qualified rich, cash poor” dilemma, and enhance estate planning. You'll see how combining retirement accounts with brokerage accounts creates tax efficiency and freedom that traditional strategies overlook.Listen now to learn how brokerage accounts can accelerate your retirement plan and give you the flexibility to enjoy life on your terms.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Psalm 119:67, which says, “Before I was afflicted I went astray, but now I keep your word.”   *Transcription Below*   Doug Rumbold is a child of the living God, a loving husband to Jessica, and father to Jada, Oliver, and Pierce. Currently he is the Pastor of Counseling & Discipleship at Northfield Christian Fellowship where he has pastored since 2006. He desires for others to be transformed into Christlikeness through authentic relationships. He holds a biblical counseling certificate from CCEF, a Bachelor's in Youth Ministry/ Adolescent Studies, and a Master's of Ministry in Theology.   Connect with Doug on Instagram, Facebook, or schedule a counseling session through his website or order Doug's Book.   Presence over Pain Podcast When did you experienced your first major loss? What are the three types of suffering you see laid out in the Bible? Will you share one of your conversations with the Lord where He responded with alliteration?   Thank You to Our Sponsors: Chick-fil-A East Peoria and The Savvy Sauce Charities (and donate online here)   Connect with The Savvy Sauce on Facebook or Instagram or Our Website   Gospel Scripture: (all NIV)   Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”   Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”   Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”   Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”   John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”   Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:09)   Laura Dugger: (0:09 - 1:38) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.    I want to say a huge thank you to today's sponsors for this episode, Chick-fil-A East Peoria, and Savvy Sauce Charities.   Are you interested in a free college education for you or someone you know? Stay tuned for details coming later in this episode from today's sponsor, Chick-fil-A, East Peoria. You can also visit their website today at https://www.chick-fil-a.com/locations/il/east-peoria.    Doug Rumbold is my guest today. He is a pastor of counseling and discipleship, and he has recently written a book entitled Presence Over Pain. With Doug's biblical foundation and his sense of humor, he's now going to share some personal stories of suffering and God's continued faithfulness.   He illustrates how a yearness of God is oftentimes born through trial. So, regardless of what each of us are walking through today, Doug's going to remind us that we have the opportunity to turn toward Christ. Here's our chat.   Welcome to The Savvy Sauce, Doug.   Doug Rumbold: (1:39 - 1:42) It's exciting to be here, even virtually.   Laura Dugger: (1:42 - 2:02) Well, and its always kind of special to have a local friend join me as a guest on the podcast. But for those who don't know you yet, I think it would be really helpful to hear your story and gain some context around what led you to write this book. So, will you just begin by sharing your story with us?   Doug Rumbold: (2:03 - 6:09) Yeah, I love stories in general. I think when I look at Scripture, three-quarters of it, roughly, is a narrative. It's a story.   And so, God's heart for story is just critical, even in His communication of truth and His love for us. So, it means everybody's story matters. So, my little story matters.   And I think mine's an interesting one. To begin with, I was born and raised in Morton, Illinois. And I was born the seventh of eight children.   So, my parent's kind of did this, like, unbelievable quantity of births in a short amount of time. I'm not a woman, so I don't understand how this works. But I assume that having eight children in 10 years is crazy.   And they somehow managed to do that. So, I grew up in a loving Christian home. My dad was a phenomenal example of intention and direct when it came to conflict, merciful and forgiving when it needed to be called upon.   My mom was and still is somebody who she could have a conversation with anyone. I love my mom, her ability to just dive deep into conversation. I remember my college years.   My friends from college would actually love to come home to be with my parents, which is kind of odd. A bunch of college guys like, “Hey, can we come back from the big city of Chicago and go hang with your parents in the farm town?” Sure.   Yeah, enjoy. So, I grew up seventh of eight. My oldest sister passed away before I was born at the age of four.   She was actually buried on her fourth birthday, sadly. She passed away from leukemia. And then my youngest brother passed away my freshman year of college, which I talk about in the book a little bit.   So, for all of my growing up years, there were seven of us, not eight. And then the family just kind of continued to expand. Everybody eventually got married and had children.   And now on my side of the family, there's 35 grandkids. So, those are like pre-Medicaid type family backgrounds. You know, like you get together and everybody's going to take a Tylenol before because it's gonna be nice and loud and crazy.   But I would say from just a believing perspective at eight years old, I remember being in the basement of my church in Morton. My Sunday school teacher just giving a really compelling description, not just of how like, oh, you're going to burn, but more of a what does it look like to be separated from God for eternity? What might that be like?   And I was terrified but also had enough of these people pleasing mentality that I also didn't want to be the person who asked another question and held the class up. So, later on, I found out that it was easier for me to have that conversation. I think my mom discovered me kind of in tears, maybe even later that day.   And it was like, I don't think I know Jesus. And she's like, well, we can like, let's have a conversation. What's that look like?   And let's pray together. And so, at eight was when that became a reality in my life. And then really at 15 years old, coming home from a mission trip to Mexico, I ended up having just an awesome experience there and got baptized by a minister from our church.   His name was Dwayne. He was awesome. And then as I think through just, I mean, I mentioned it already, our family is really well acquainted with loss.   My oldest sister, my youngest brother, and then just some of our ongoing journey. My wife has an ongoing illness that requires a lot. It is a challenge for sure for her.   And then I think all of that kind of balls up together to frame a lot of where the content from my book comes from. Just living a life of non-ease has really kind of brought me to this place of if it's not going to go away or if it hasn't been taken away, what is it that sustains and how do I move through it and past it?   Laura Dugger: (6:09 - 6:32) And I definitely want to hear more elements of the book. But first, I'm just thinking through this. You said seven of eight and your youngest brother and you all are close in age.   So, to bring us into your story further, what age were you when you suffered that major loss of your brother and how did he pass away?   Doug Rumbold: (6:32 - 9:06) Yeah, that's a great question. So, my parents had all of us in 10 years. So, in 1969, they were married.   1970 is when they started cranking out children. And then 1980 was when my brother after me was born. And then it was 1997.   So, it's actually Halloween night of 1997. So, I was a freshman in college. I just moved away.   This was before cell phones. It's almost hard to imagine. But I was lying in my bed at night.   And my brother, my other brother, Ed, was at college with me as well as my sister, Jennifer, in the West suburbs in Elgin. And my brother tried to contact me because Ben had been in a car accident. So, he had been taking a walk with this girl he was getting to know.   And we live out in the country in Morton. So, you'll recognize these road names just because we're local. But if you know Tennessee, Tennessee and Harding, there's that intersection.   And my family grew up on Harding. But going down Tennessee Avenue, going north, a gentleman who actually ended up being our neighbor was coming over top of the hill. And he was changing a cassette tape, also a relic of the past.   And he was changing the cassette tape. And my brother was walking on the side of the road with traffic. So, his back was to oncoming traffic.   And the car struck him from behind. And he was essentially and effectively dead at the scene, but kind of for the benefit. And I will talk about this in the book a little bit.   The benefit of us, my other two siblings and I in Chicago, they, you know, rushed him straight to the hospital and then put him on life support. But he never had brain activity or anything from the moment that he arrived at the hospital till the following morning. We were asked, you know, how we wanted to continue.   And probably in the hardest decision that I've watched my dad make was to pull the power cord on life support. I mean, my dad was all about responsibility and he wasn't going to let somebody else do that. And my dad was also very quick in his ability to make a decision, even if the decision was hard.   And so, he just knew this was not, you know, technically Ben could have survived on life support. But he would have none of the vitality that he had had his entire 17 years prior. And so, that just was not an option.   Laura Dugger: (9:07 - 9:29) Goodness, Doug, I can't imagine that's one of those decisions you hope to never have to make as a parent. And then with your family grieving this sudden loss and then also working through forgiveness of a neighbor. What did that look like?   Doug Rumbold: (9:30 - 14:14) That's actually one of the most redeeming. I mean, again, God does this where he just kind of the Genesis 50 moment where it's like what the devil intended for harm. God meant for good.   And I remember his name was Mark. He's since passed. It happened in 97.   And I remember him coming to the door, you know, how people come to your house, and they provide condolences after a loss. And so, Ben was well known at high school. He worked with special needs children and was in the performing arts.   And so, he was just really well liked. And so, there was a high school kid. So, there's a steady stream of people coming, grieving kids, all that.   And I remember coming back from college and I remember not saying, I literally did not say a word for three days. My way of processing then was very inward. And so, I just remember being very silent.   I should correct myself. I didn't say a word other than what I'm about to tell you. Mark came to the house and Mark was in his mid-40s at the time.   And he was crushed. I mean, can you imagine what that would be like? And so, he shows up at the house.   And as he's coming up to the door, I remember my dad saying he pulls all of us kids aside. He says, “I want to tell you something. Mark is here.   He's coming up to the door. And right now, you have a choice. Forgiveness is never about how you feel.   It's about obedience. If you will forgive him now, I promise you will never struggle with bitterness toward him in this way. But it is an act of your will.   You must choose to forgive. But I'm not going to make you do so, like if you don't want to forgive him, that's fine. But I'm telling you right now, forgiveness is key.”   And I remember walking out to the door and greeting Mark and just giving him a hug and then looking at him in the eyes as a 19-year-old freshman in college and saying, “hey, Mark, I've done what you've done 100 times. You know, I've swerved off the side of the road. And so, I just want to let you know, I hold no ill will against you, and I completely forgive you.”   And he didn't really know what to say, just kind of mumbled some level of gratitude, I think. But it was kind of quiet. I had no idea the power in that moment that was happening where I was not bound to hold it against him.   And my dad was right. How many years are we removed from this? And I still had I never once thought, oh, what a jerk.   I can't believe you. I never struggled with anger toward God over the loss of my brother. These were things that I think could have happened had I held on to not being forgiven and not released Mark from that.   And probably the greater redemption happened over the years where over the next seven years, he would see my parents or my family around town, and he would always kind of hang his head. And my dad would always make it a point to say hi and to try to contact him and be kind. But Mark was just sullen, and it was difficult.   And then later on, Mark ended up having a pretty aggressive form of cancer. And by this point, my wife and I got married in January before. And I'll never forget.   We went to Carolina Beach. We lived in North Carolina at the time for just a quick getaway, the two of us. And we were coming back.   And on the drive back, I remember receiving a call from my dad and he's crying on the phone. He says, “Well, Mark just passed away.” And he goes, “but before he did, he invited your mother and I up to his hospital room.”   And when we walked in the room, he looked at me, he said, “Gary, I have I have often wondered why and how. Why would you forgive me? How did you muster the strength to do such a thing?”   And my dad, in his simplicity or whatever, was like, “Well, it's easy. I've you know, I've been forgiven. Do you know how much I've done?   Do you know what hurt I've caused other people?” And he says, “It's only natural that I should forgive you for what happened. It wasn't your intention.   Jesus forgave me. And so, I forgive you. Just real simple.”   And in that moment, Mark then began to ask what motivates. And my dad got to explain a relationship with Jesus Christ. And so, literally on his deathbed, just prior to passing, Mark turned his heart over to the Lord.   I mean, it was awesome. And so, just such a powerful story of forgiveness.   Laura Dugger: (14:16 - 19:48) And now a brief message from our sponsor. Did you know you can go to college tuition free just by being a team member at Chick-fil-A East Peoria? Yes, you heard that right.   Free college education. All Chick-fil-A East Peoria team members in good standing are immediately eligible for a free college education through Point University. Point University is a fully accredited private Christian college located in West Point, Georgia.   This online self-paced program includes 13 associates degrees, 17 bachelor's degrees and two master's programs, including an MBA. College courses are fully transferable both in and out of this program. 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We are all about sharing around here, sharing resources, sharing joy and sharing the good news about Jesus Christ.   We ask that you also will share by sharing financially, sharing The Savvy Sauce podcast episodes, and sharing a five-star rating and review. You can also share any of our social media posts on Instagram or Facebook. We are grateful for all of it, and we just love partnering together with you.   Now, back to the show. What are the three types of suffering you see laid out in the Bible?   Doug Rumbold: (19:50 - 21:29) Yeah, I'm not a theologian by any stretch, and so I'm sure I might be missing some. But I think when I look at all of Scripture, I guess I just kind of come away with three different forms of suffering. I see the first one that you kind of come across is the most poignant one is the suffering of Job.   Here's somebody who didn't do anything wrong, and he experiences catastrophic pain. So, the suffering that God allows in his sovereignty is the first form. The second one is the suffering that I caused.   Now, obviously, this is the one we first confront in Scripture, in the narrative. We see it in Genesis 3. But the story that most poignantly points this out to me is the story of David and Bathsheba.   Here's a king who has everything he needs and wants, and he should be out protecting and defending his kingdom. And instead, he's on his rooftop looking and taking what is not his. And so, there's suffering that I cause.   My pastor in college used to say, “You choose to sin, you choose to suffer.” And I think it's an apt description. And then the third form of suffering is the suffering that my faith brings.   I think about the apostles where they are called in by the council and arrested and beaten and told not to speak in the name. And what do they do? They walk out rejoicing, like, yes, we've been counted worthy to suffer.   Like, yeah, that's so different than the American version of Christianity at the present moment. We don't necessarily think that way. So, in short order, the suffering that God allows in his sovereignty, the suffering I cause in my sin, and the suffering my faith brings with persecution would be the three.   Laura Dugger: (21:30 - 21:42) Well, and I loved one of your quotes where you write, the earnest desire of my heart is that you come to understand the presence of God in and through suffering, no matter its cause.   Doug Rumbold: (21:43 - 22:03) Well, when I think about that, think of your own life, Laura. When you go back through ever since you just you surrendered your heart to Jesus, can you point to where were the deepest learning moments for you? What do you think? How would you answer that question?   Laura Dugger: (22:04 - 22:26) I do feel like I may be an anomaly here because some of it is from those seasons of grief or searing loss. But also, I would say in the really good times, the gratitude and joy that he provides, those have been some of my greatest leaps in faith.   Doug Rumbold: (22:28 - 24:32) Yeah, I think that's huge. I think it's one of those reasons why you see in Scripture this idea of we're supposed to be people who are thanking God even through our suffering. I think it's that rhythm or that habit of gratitude that can transform even what may appear hard or difficult.   In the book, that quote that you just read, I think comes from this idea that God communicates his presence to us in different ways because of the form of suffering or hardship that we're facing. If I'm somebody who is suffering because of what God has allowed, I look at the idea of our daughter with cancer, for example, and I think, okay, the hardship that she faced, it would not make sense for her to frame her life and her hardship with suffering in terms of confession and forgiveness of sin. She didn't sin to get sick.   And so, the idea of how God's going to communicate his presence to her in the suffering that he allows is more about what does it mean to endure with patience and joy? How does she endure hardship with patience and joy? In those ways, in that way, rather, I think that's how God begins to communicate his presence to her.   His nearness to her means he's not far because something is wrong with her and she needs to be discarded. It's more that he is quite near, and it's the recognition of that. It's this like my heart can be glossed over by the pain I'm facing, whether God allows it, I cause it, or my faith brings it.   It can be glossed over if I have an inward curve, if I have like this inward turn of sin and I can miss. How does God want to communicate his presence to me through this? I think that overall, most of us focus more on the suffering that we're experiencing at times than we do on God's provided presence.   Laura Dugger: (24:33 - 24:54) And that reminds me of something else where you later write about Psalm 119:67, which says, “Before I was afflicted, I went astray, but now I keep your word.” So, Doug, how did you experience the truth of this scripture through your experience with your daughter Jada?   Doug Rumbold: (24:56 - 27:57) Yeah, I think probably the safest and quickest description is pain has a way of getting our attention. Like your toe is just fine when you're walking to the kitchen at 2:00 a.m. to grab a drink of water and go back to bed. And then your toe makes its presence known when you kick the chair, right?   And you're like, oh, and then you're acutely aware of it. You know, you go back to bed and it's throbbing. You might put some ice on it.   Now it's cold. And pain is like that where it gets my attention when it's hit. And so, I was not aware, I don't think, of the depth of my self-reliance until every bit of control was removed from me.   So, particularly when I think of Jada's challenge, you know that before I was afflicted, I went astray, but now I keep your word. There's this mercy in suffering that says ever so slightly, we are people who easily turn to ourselves and our resources before we will turn to God. My wife would say it this way, and I agree with her.   I think it's an excellent understanding of parenting. We both view parenting as a form of stewardship. So, if I get paid, which I do, you know, for my work as a pastor, I get paid, I steward that money.   It's not my money. The Lord owns the cattle on a thousand hills, right? So, if he owns everything, he owns even the finances that are put into my back pocket.   And the way that I steward it is the degree to which I am surrendered to him. And so, parenting is like that. God has given you the currency of children, and you have children that you are to steward back to God as an offering to him.   And my wife would say this, I just didn't know. I'm supposed to lay them down every day before the feet of God in full reliance and trust that he is a better parent than I will ever be. What happened in particular with our daughter showed how quickly we will take them back again, how quickly we will be people who will say, “Oh, well, I actually think I can make a better decision here than the Lord will.”   We would never say that out loud, but our control and our actions will illustrate that every day. It's one of the reasons why it's so easy to get offended when your kid sins against you. It's one of the reasons why it's so easy to be overwhelmed when your kid is far from you.   We can get to a place where though we are to steward our children back to God, like finances given to us, like children given to us, there's this idea we are supposed to be stewards. And so, I learned that I went astray from God. And I still do every day.   It's a thousand opportunities to return to him. Does that make sense or am I talking crazy?   Laura Dugger: (27:58 - 28:24) No, that makes that makes sense. And even I think you're talking about something probably a lot of us are relating to as parents of certain times where we really grasp we are not in control. So, will you even take us to that day where that first became a realization for you? Because you're a parent of I believe she was a five-year-old at the time. Is that right?   Doug Rumbold: (28:25 - 37:11) Yes, that day was awful. I would never want to repeat it. Jessica had it's not really a day, but a kind of a progression from kind of like a Thanksgiving time frame until January.   So, the short order is my wife was pregnant with our youngest and her date for delivery was supposed to be right after January 1st, because I remember thinking, are you kidding me? I'm going to miss the cutoff for claiming this dependent. And anyway, Thanksgiving, we had gone down to visit some dear friends of ours.   So, a shout out to John and Katrina. I'm sure they'll listen to this who live in Oklahoma. It's where I did my internship in college on like this orphan boys ranch.   It was awesome. I loved it and grew a great friendship with them. So, we were down there visiting them.   And my wife has this gallbladder attack. And the way she describes it, she felt like she was dying. And of course, she didn't wake me up because, you know, women can apparently experience pain and not make a big deal of it.   Men, that doesn't work. So, there's definitely a gender difference there. And so, she realizes as she's homeschooling Jada, this is not tenable.   I can't keep this up, especially if I'm going to have a child and everything. And so, we decided, oh, no big deal. We'll have just come back from our trip and decided we were going to put Jada in public school just for the last part of kindergarten.   And Jessica was going to give birth to the child and hopefully get the treatment that she needed because we took an ultrasound, and they discovered a bunch of gallstones. And it was rough. And so, we get back, and we go to the school, get the forms.   And basically, it was just filling out a couple of forms. Oh, yes. A bunch of check marks here, and a bunch of check marks there.   Get the dental form and all that. You need one last thing that we can't just sign away. You need to do a quick physical.   Now, Jada was feeling great doing everything. You know, all of her markers were fine. We go to a doctor from our church at the Tremont Medical Clinic and he performed just a simple physical.   And Jada was, you know, everything was just fine. And as he's palpating around her stomach, he's just kind of pressing there. And I don't know how doctors do this where they, you know, press on your stomach and they're like, OK, your organs are in the right place.   OK, I trust you. So, his face, like his countenance, just shifted. And Jessica and I were both in the room and he just kind of looks at me because I just can't reconcile this.   But to rule anything out, we're just going to have her get an ultrasound and be on our way. I remember thinking I had a hernia when I was young, maybe six months or something. I can't remember how old I was.   And so, Jessica and I went home that night and I mean, we were shedding tears like, oh, my goodness. Our sweet daughter has a hernia. Can't believe it.   What does this mean? She's going to have surgery, all this stuff. And never were we prepared for what happened next.   You know, the next morning she wakes up, and she takes Jada and Oliver, who's two at the time, to get the ultrasound in Peoria at a place called Peoria Imaging. And I stayed home. I was writing a sermon.   So, I'm sitting there working on a sermon from Mark, Chapter eight. And Jessica goes and I'm not hearing from her. I'm not hearing from her.   And then about three hours later, I got a call and she's like, so, they did an ultrasound and then they did like another one. And then they ordered a CT, and they just got done with the CT. And she goes and I just looked out in the waiting room and it's full and nobody's coming in.   And now they said that she needs an MRI. And I'm like, “What?” This doesn't seem like a hernia.   And she said, “Honey, I just asked the nurse, and they won't commit.” “Like they won't say anything,” I asked.   I kept asking if it's a hernia. And finally, I just asked one of the nurses, “Is it bad?” And the nurse said, “That she thinks it's significant.”   And I'm like, oh. And I remember that day then calling my dad or my parents and just kind of giving them updates along the way. Like, okay, you know, Jay is going in for a quick ultrasound, probably a hernia.   But then I remember calling my dad and my dad's on the phone with me right after I got off with Jess. And I just said, “So, it went from just a quick ultrasound to CT to an MRI.” And I said, “They just finished the MRI or they're in process.”   And they said, “That after the MRI, they want to send her to the hospital for blood work.” And my dad's only response was, “Oh, boy. I mean, it was just like,” and his voice quivered.   You know, the quiver of like the I don't know if I'm ready for this sort of quiver. And I can only imagine what's going through his head, having already lost two children and particularly one to cancer. He knows that feeling.   So, the day only got longer from there. I got a ride over there with my sister-in-law to Puri Imaging. And then we went to the hospital together and had to get blood drawn and all that stuff.   And that's a whole story in and of itself, the trauma of that for her. But I remember leaving the hospital and Jessica and I know at this point with the full weight of this is not a hernia, but we still don't have answers. Like every time I'm asking a question to a doctor or a nurse, they are deferring and deferring and deferring.   And my anger internally is kind of growing. And so, I'm a little, I'm not aggressive, but I'm assertive. And I remember driving away from OSF in Peoria.   And as we're driving away, Jade is just in the back seat looking out the window. And Jessica and I are in the front seat, just crying, but trying to hold it together, you know. And I look in my rearview mirror.   I'm like, “Hey, sweetie.” And she's like, “Yeah.” “Like, what are you thinking about?”   She goes well. I just can't decide what smoothie I want at Smoothie King. That was the day where they, you know, the scan that she had to have was an NPO, which means she can't have any food or liquid unless it's clear.   And so, she was starving. And at this point it was like 6:30 at night. So, she's super hungry.   And so, we went to the first location and the second location. They were all closed between Christmas and New Year's. So, no Smoothie King for her.   And that was the last time we remember eating at McDonald's as a family. And then that night the diagnosis finally came. We got back home.   We were home for 10 minutes. And we received a call from what ended up being her surgeon from Illinois Medical Clinic. And we were asked to come back into an after-hours appointment, which those are never good.   And so, we walk in the door. We sit down. There's not even a secretary.   The lights in the building are off. We were walking down this hallway to this last, you know, exam room. And Jada is just sitting there on the table.   Jessica is about ready to pop pregnancy-wise. And the doctor walks in and says, so, I assume you know why you're here. And I said, actually, we haven't been able to get a straight answer.   And we have no idea what's happening. And she goes, are you kidding me? She's like, I have to be the one to tell you this, that your daughter has kidney cancer.   And I think the thing that caught me was Jessica sitting on a chair kind of at the foot of the exam table. And instinctively, I mean, it was like it wasn't even – it was no coaching. There was no – Jada just kind of crumbled and her body just kind of fell onto Jess.   And Jess's mom has walked through cancer twice. And so, Jessica has lived this journey as well, just the difficulty of it. And so, for her, she's just like I know what this required of me when my mom had it.   And I had to take care of her when I was in junior high and then again when I was in college. And now I'm pregnant and now my daughter has cancer. It was unreal.   And then I wrote about it in the book, but the walk from the front door to the van where Jada's face was buried in my neck. And the warmth of her tears and just her body just kind of melted into mine as we're walking back to the van. And it's like I never want to forget that because the usefulness of it, how helpful it is for me to recall some things, to live in that place of like this is what you redeem, this is what you restore.   But it was hard as heck. And so, that would be what I remember from the day of diagnosis.   Laura Dugger: (37:13 - 37:26) It is so hard to imagine what that would look like to get that news. And I'm just wondering for you and Jess, what did your faith look like and what were your conversations like with the Lord at that point?   Doug Rumbold: (37:29 - 39:10) You know, I – because of the loss of my brother earlier, I don't – I mean that's a great question. And I don't mean this how it might sound or come across, but my faith was never – I don't think that my faith was an issue in terms of am I still going to cling to Jesus. It was just more of a – it was just – it was so hard.   I really wish I had words for it. I talk about this in another podcast that I did. I remember just feeling so overwhelmed and more of a feeling like we were treading water in the middle of an ocean.   And someone – you're like begging for a life raft and they hand you a cinder block. And you're like, not helpful. So, my faith, our conversations with the Lord, they were hard, and we were certainly super sad.   My wife would probably talk about how she was broken and quiet and learning afresh what it means to surrender. But she is methodical and consistent in her pursuit of the Lord and extremely faithful. And so, hers was sitting in solitude and just waiting and cry and lament and work through it all and then come out the other side stronger.   I process things a little bit more verbally. But I think our faith was strong. We were just shattered for the pain that she was experiencing for sure.   Laura Dugger: (39:11 - 39:35) That's a great way of putting it. And just like He promises, I have spoken – Mark and I have talked with you and Jess before. And you've shared how God continued to be an ever-present help in these times of trouble.   But will you share one of your conversations with the Lord where he responded to you with alliteration?   Doug Rumbold: (39:35 - 45:50) Yeah, the one that I think of is – and I write about it a little bit in my book. But I just remember thinking kind of two questions that I would ask. One was right after Pierce was born and we obviously weren't having any sleep.   So, if you look at the timeline, Jada was diagnosed on the 30th of December. The 2nd of January was Jessica and my anniversary. The 3rd was Jada's surgery.   The 10th was when her pathology came back. And the diagnosis went from 95, 98% cure rate, survival rate just fine to like 40 to 60% survival rate. And a different stage of cancer and the size of the tumor was much larger than they originally anticipated.   And so, we came home that night from the pathology report and wept and wept and wept. And then Jessica started labor that night. And it was a blizzard.   Our midwife didn't make the birth. And then Pierce is born on the morning of the 11th, which is the same morning that Jada and I were supposed to go back in now to have more MRIs, more blood work to determine had the cancer metastasized throughout her whole body instead of just in that one tumor. And it was assumed that it had and so, that's why they were checking everything.   And so, it was an urgent, you need to get there for this. I just kind of felt like the one question, one of two questions I was asking, but one of them was with conversation with the Lord was when will you relent? Won't you just relent?   So, I was never like struggling in my faith to the degree that I was going to toss it, but I was angry with God. I was like, come on, like, how does this work? Can you give, throw me a bone, basically.   So, that was one conversation. But the conversation that's most poignant is after he started to frame those things up a little bit and give more of a trellis to build on. I remember treatment had begun, which timeline, if you're looking at it, the 11th is when Pierce is born.   The 13th is when Jada started treatment. So, from like the 13th to the 18th, she had radiation. And then after that, for the rest of the year, eight months, whatever, she had chemo.   I remember one morning I never slept at the hospital. It was just not comfortable. It was always beeping, stuff like that.   So, I would often go down to the playroom. There's an activity room at the end of the hall on the sixth floor there at OSF. And I'd be down there with a lackluster cup of coffee and my Bible and journal.   And I'd watch the sunrise over the city of Peoria. And it would just be kind of like; I really couldn't hardly read. It would be more of me just like, because no one was awake.   That was the only time when it was semi quiet. And I would just have these out loud conversations with the Lord. Like, what's happening?   And the conversation, the question that I kept asking was, Lord, how in the world are we going to do this? How in the world are we going to make it through? That's really when he began to kind of press back in.   And I'm not, I don't know how to explain this, but more of a, I had a very tangible sense that as I'm sitting there on the sixth floor, that he was almost in the chair next to me. And he's just, he's like, okay, tell me more about your struggle. What's it like?   Help me to understand the pain of your heart. And so, I'm, I'm unloading these things to Him. And all of a sudden I noticed the time and it's like, oh, Jada is going to be waking up soon.   I need to get back there before they do rounds, you know, and the whole dance starts again. And so, I kind of like, oh, I want to return. It's like when you wake up from a dream and you're like, oh no, I want to finish the dream.   And you try to go back to sleep quickly. That's a little bit of how that conversation was working out. And I remember going back to the room and jotting a few more things down in my journal.   And then after that it goes, okay. The day was now full of motion. And I had forgotten about the conversation quite honestly.   And until that evening, I was like, okay, I'm just gonna, I told Jada, I'm like, “Honey, I'm going to run home real quick and shower, get a change of clothes and maybe get some real food. And then I'll be back. Okay.”   Don't worry. And so, I hopped in my car, I turned on my headlights, and I got out of the parking garage, and I got on 74. And right as I was getting on the bridge to cross over the Illinois to go back toward Tremont, it was, I mean, I don't know how people feel about this.   So, sorry if I start a theological controversy on your podcast, but, um, I, as I'm sitting there as audible as you and I talking back and forth, there's this sense of my spirit of like, you asked how you're going to get through Christ community and confession. But there was really beyond that, there was really no discussion. You know, it was more just like those three words got tossed out.   And so, I remember driving down the highway and almost like, uh, you're in a zone where it's like, you see the headlights, you know, going like right past you and, and nothing is distracting to me. And I remember thinking some of those things made sense to me, like, you know, yes, Christ suffered. Yes.   I need community around me, things like that. But confession was the one that I struggled with the most. Like what do you mean by that?   You know, because I had a courtroom idea of confession, like, okay, I got caught doing something I shouldn't have. I need to confess. What I did was wrong.   And there definitely is that element. But I came to learn later that confession is the Hebrew word. One of the Hebrew words for it actually means praise.   And so, there's this, there's this idea of caught up, being caught up in understanding the presence of God and you're confessing. It's the word that actually, more accurately, fits is declaration. And so, I'm like, oh, wow.   Okay. So, what you're saying then is these scriptures that I've been studying for years now, I I'm actually, it's about declaring them in praise over my life, over my circumstances, over my daughter as a way of help to get us through. Okay.   Laura Dugger: (45:51 - 47:09) By now, I hope you've checked out our updated website, thesavvysauce.com so that you can have access to all the additional freebies we are offering, including all of our previous articles and all of our previous episodes, which now include transcriptions. You will be equipped to have your own practical chats for intentional living. When you read all the recommended questions in the articles or gain insight from expert guests and past episodes, as you read through the transcriptions, because many people have shared with us that they want to take notes on previous episodes, or maybe their spouse prefers to read our conversations rather than listen to them.   We heard all of that and we now have provided transcripts for all our episodes. Just visit thesavvysauce.com. All of this is conveniently located under the tab show notes on our website.   Happy reading. And I just want to go back to something that you said, because you use the word relent. God, how long until you relent?   And yet he flipped that word and taught you that he will relentlessly continue to pursue you with his presence.   Doug Rumbold: (47:10 - 49:26) I'm glad that you draw that out because I think the relentless pursuit is in that question of when will you relent? It was one of our darker moments, even in marriage where my wife and I were both stretched to the max, totally thin and struggling. And it was an argument, you know, where I'm lying on the ground after my wife and I had just kind of like, I need you to take care of this.   And she's asking me to take care of something I'm not wanting to, and I'm holding my ground and I'm tired. She's tired. And aren't your best moments between midnight and 7am anyway?   And so, I remember laying on the ground. That moment was laying on the ground at the foot of my son's crib in our bedroom. And he was not sleeping.   He's a newborn. Newborns don't sleep easily. And I remember pounding the ground and actually saying, you know, when, when will you relent God?   Like when will you let up? And to see the connection between my question was the assumption that God had left the building that God had kind of punched the clock. Okay.   I'll be back by five. You know, like when instead, the way that He wants to communicate His presence to me in my suffering shows that He's relentlessly digging through every bit of self-reliance that I've set up to try to manufacture outcomes. And so, there, there's a way that His relentless presence is like, like waves on a shore one after the other, the rhythmic nature of it, the dependable nature of it, you can't stop it.   Nature of it is the way that He can and will use any circumstance trial in your life to communicate His presence to you. So, yeah, that's right. Its relenting is a releasing and letting go, but relentless pursuit is also this like dogged pursuit of us.   it's been said before that, that God or Christ is the hound of heaven, you know, like a blood hound with your scent who won't give up until He finds you. And so, similar to our experience for sure.   Laura Dugger: (49:27 - 50:00) Well, and you go into these stories and then also offer hope and offer so much scripture where you have poured over to help us make sense of suffering. And even see things where it's a very upside-down economy as God often has, where there's blessing in the affliction, but yet to close the loop on this story. Can you give us a picture of where your family is at today? Even the ages of your children and Jada's status?   Doug Rumbold: (50:01 - 52:27) Yeah, for sure. So, it's been a long journey for sure. Jada now is 18 and we are in preparation for her.   She is going to be going to Arizona Christian University in the fall. So, a nice short 24-hour drive away. And so, again, we're learning afresh what it looks like to lay down our children, but we're super excited about it.   We are super excited about the new friends she'll make. My wife and I have always said Jada is a spread your wings and fly sort of girl and cancer only proved that. So, we're super excited about that for her.   Our son, Oliver, who was two at the time, is now 14 where he's a freshman. He turns 15 this summer and I'm sure we'll be driving soon after. No concerns there.   And then my son, Pierce, is in sixth grade. And yeah, they all have their own interest's kind of across the board. Jada loves music and singing and playing piano.    Oliver is relationally. He's just this guy who enjoys mature conversation. So, like when we get together with our life group, you'll find him talking to the adult men just because he fits there. He's more of an old soul.   Pierce is our creative kid. He's always doing trick shots. And I mean, it's pretty crazy the stuff that he does. He's kind of fun like that and loves fishing and things of this nature.    So, yeah, all of my kids are very interesting and different like that. My wife is doing homeschooling for the boys, and she continues to be somebody who is a silent influencer in the lives of many, usually and primarily through prayer.   But I am amazed at how often the Lord uses her in the lives of other people to bring about change and transformation. She's just an excellent gifted counselor of people with the word of God and prayer. So, that's kind of where our family's at.   I've been at the time that Jada was ill, I was the youth pastor at Northfield and I'm still at Northfield though. I'm in a different role. I'm pastor of counseling and discipleship here at Northfield.   So, I have never left this community. So, I'm trying to think if there's anything else update wise. I don't think so.   I think it's pretty much it.   Laura Dugger: (52:27 - 52:30) And so, Jada is in remission.   Doug Rumbold: (52:30 - 55:11) Yes. She did have one other occurrence where she started having really acute headaches in 2013. Then, those acute headaches turned into taking her back for a checkup and the checkup revealed a lesion on her frontal lobe. So, a brain tumor.   We had to wait eight weeks to scan again. Those eight weeks were the hardest and worst that I think we've faced even from the first cancer. It was like, “Oh my goodness, we're going to have to go through this again.”   And then we had this season of waiting, you know, the eight weeks and then she was going back in for another scan to determine scope and growth. Also, you know, what type of craniotomy or brain surgery they were going to perform, to address it or whether it was going to be treated medically. Or how was that going to happen? And so, that all took place. Then, they did the scan, and we had to wait.   Normally we would have these scans, and it would be like a four-to-eight-hour turnaround. And you know that same day or even the next day we get a call from the St. Jude office, and they would say all clear. This one went one day, that was two days.   And I called and they said, “Oh, well, you know, the doctor will call you.” And I'm like, “Come on Beth.” You know, she was the head nurse that I've had relationship with for a while.   And she's like, “No, you know, the doctor will tell you.” And I'm like, “That's never good.” And come to find out, we had to wait until the end of that week.   So, it was not one day, not two days, not three days, not four days, but five. So, it went from Monday to Friday. And on Friday, the doctor called me after hours.   And I thought for sure it was, you know, here we go treatment time. And, um, she called back and said, the reason it's taken so long is because I had to have conference calls with, uh, Memphis, DC, LA, all these different cancer centers and looking at the imaging together. But when, when we laid the last image that shows the lesion over the newest one, the newest one shows nothing like it's completely gone.   And she goes, and it's definitely here. It's definitely something that requires intervention. And now it doesn't.   And so, she goes, I just wanted to confirm the anomaly. I'm like, that's not an anomaly. That's a healing.   And so, uh, Jada has been in remission, ever since. So, she's been, she's been doing good. In fact, her last cancer follow-up appointment was like three weeks ago and got the all clear.   So, praise God.   Laura Dugger: (55:11 - 55:44) Praise God. What an awesome, miraculous healing. I'm so thankful you shared that and really Doug with your unique career that you're in and the journey that you and Jess have been through and your love of scripture, you're putting all of this together and it really is such a gift, this book that you've written.   So, can you tell us just a little bit more of who this book is for and what people could expect to find when they read it?   Doug Rumbold: (55:45 - 57:54) Yeah. So, the book is for anyone because, and you would know this as well, but you're either heading into a trial, you're in the middle of a trial or you're on the backside of a trial. And there's never a moment in which you can say, “Oh, okay, well now I've learned and now I've arrived and now we're good.”   I do think that the preparation of our heart for trial is critical because it's going to come like we are going to face suffering of some form at some point. And so, it's good to know how to approach it. It's for anybody who wants to learn and grow and be encouraged.   But specifically, one of the things that I struggled with during our trial, and it's ongoing, you know, because of some of the stuff that we mentioned before ongoing health issues in our family and stuff like that. But I, what I found was people would be like, “Oh, here's a book.” It's only 320 pages on suffering.   I'm like, really? Thanks for that. I've got no capacity to do that.   So, I purposely wanted to write a book that you could personally sit and read like in an afternoon. It's so, it's short. It's like, you know, a hundred pages and it's digestible.   So, you could jump from one chapter to the eighth chapter if you wanted, and you would, you would still hopefully gain something. So, I wanted to make it uniquely accessible and heart focused. So, you'll find kind of like throughout the chapters, I have these like, so, truth to life.   And what I'm basically doing is trying to say, “Okay, we talked about something at a 30,000-foot view. What does it look like boots on the ground here?” I don't usually just spell it out for you.   I usually ask questions that are going to force you to address heart issues because scripture is pretty clear that all of our conduct flows from a heart that's filled with good or bad. So, people can expect to be challenged. They can expect to not have something that's too long and too hard to read, but they can also expect to find it kind of built around story a little bit.   That's one of the reasons why I use those different stories from scripture. I think we relate well and explain things well in a story.   Laura Dugger: (57:55 - 58:14) Definitely agree. We learn so much from Jesus's stories. Those stick with us and yours do too.   So, thank you for sharing all of those today. And if anyone desires more help and healing after today's conversation, where would you direct them?   Doug Rumbold: (58:15 - 59:59) The first thing that I would do is just encourage prayer. The idea of silence and solitude is where you can be begun to become aware of the healing that you may need and being able to just journal it down and have it right in front of you. That is probably one of the first steps.   Second thing I would say is to lean into community. COVID has kind of wrecked things in some ways where some people have gotten used to this idea of either online attendance or whatever. Nothing, nothing, nothing replaces the body of Christ in the tangible way.   And so, the idea of being with and around other like-minded believers is critical. But in terms of myself, the book that I wrote, it's available on Walmart, Amazon, Barnes and Noble. You can just search Presence Over Pain in a search engine and find it pretty easily.   I am currently in the works of working through like an audio version of it because some people prefer that. So, that will be forthcoming. You can find me on Facebook or Instagram.   I provide biblical counseling in person or virtually so, people can contact me through those platforms if they want to have a conversation. And the cool thing is those things happen. There's a number of different connections that God has made where people have either read the book or they know someone who read the book and my name was recommended and here I am a couple of months later having a conversation with someone who found me online.   And I love technology for that purpose. How can we come together and build around something in Christ? It's pretty awesome.   Laura Dugger: (59:59 - 1:00:31) That is awesome. And we will certainly add all of those links in the show notes for today's episode. In addition to the link to your own podcast where you dig a little bit deeper into the book.   And the name of that is also Presence Over Pain podcast. And Doug, you know that our podcast is called The Savvy Sauce because savvy is synonymous with practical knowledge. And so, as my final question for you today, what is your Savvy Sauce?   Doug Rumbold: (1:00:32 - 1:04:48) I love the question because practical is helpful. So, I think probably just some brief stories and then a couple of suggestions. So, I remember when I was younger, all seven of us children kind of growing up in the same house.   My dad had such a passion for us to know the word of God that he wanted us to all like sit down at the same time. And he was going to read a chapter of Proverbs. Well, can you imagine seven kids on a Tuesday morning trying to get ready for school?   And then your father saying, “Okay, everybody sit down.” Like nobody's going to be able to do that. And so, after a few failed attempts, what my dad did was he would, he would have a section that he was going to read, and he would start with the oldest child, and he would follow them around literally like follow them.   And he would just, he would read the word of God to them and then he would move to the next one and to the next one and to the next one and the next one. And I have memories of like even walking out the door, going to get on the bus and my dad following me right up to the door, reading the last bit of Proverbs to us. And so, practically speaking, you really cannot underestimate the value of intentionally diving into God's word daily personally.   Like don't let somebody else do it for you. It's so, personal. It's so, needed.   And just when you feel like it's not going to matter, the fruit of it will come forth. So, that's, that's one. And then the other story that kind of points to a practical reality is my wife grew up through her parents splitting up when she was, I think, second or third grade.   And just the difficulty of that, like the life of a single mom as she and her sister watched her mom go through that. But Jessica tells a story often of like not understanding and now understanding, but like she would knock on her mom's door and she would hear her mom crying and she would, she'd open the door and her mom would be face down on the floor, just, just praying and weeping. And she's like, hold on, honey.   Mommy just needs to be with Jesus. And it communicated this idea. And my wife has carried this on in our own family and in her practice of just like prayer and particularly prayers of lament are huge.   And so, practically speaking, what's that look like? I mean, I have an exercise. I'm sure you are being a counselor by nature would, would appreciate this.   But one of the things that you can do to learn how to lament is to look at a good number of the Psalms are lament Psalms. Like they're sad Psalms. Like Lord, my life stinks.   The wheels have fallen off and you're nowhere to be found. So, being honest with God is critical, but a simple assignment would be to read a lament Psalm, like Psalm 13 or Psalm 88 or Psalm 77, Psalm 42, any of those. And then as you read that Psalm, just the simple assignment is to like write your own Psalm of lament and then read it back to the Lord. You know, Lord, I felt like you were absent when my daughter was diagnosed with cancer, but I am going to trust in your unfailing love.   Like you see those pictures all throughout the Psalm. So, that's a practical, simple way to engage God. I think the last thing that I would say in terms of practical is the idea of rest from a perspective, you know, biblically it's called Sabbath.   Do you have a 24-hour period of rest? Because what you do when you Sabbath is you say something to God and to everyone else. It doesn't depend on me.   When I choose to rest, I'm choosing not to be productive. I'm choosing not to perform. I'm choosing only to receive.   I'm choosing to rest. I'm choosing to fall back into his arms. Rhythmically reminding ourselves of that for me, the way that that works out is like, you know, I'm a pastor.   So, Sundays are a workday. So, once I get home after Sunday until like noon, the following day is the time when it's like, okay, this is where I'm not going to be on my screen. I'm going to take a walk with the family.   We're going to have dinner together. Things that are filling and receiving are critically helpful. And I would say savvy.   Laura Dugger: (1:04:49 - 1:05:08) That's so good. And Doug, Mark and I are just so grateful to know you and Jess. We learn from both of you, and we've learned from your stories. They've been so impactful today.   So, thank you for writing this resource and thank you for being my guest today.   Doug Rumbold: (1:05:09 - 1:05:11) It was a total pleasure. Thank you for having me on.   Laura Dugger: (1:05:12 - 1:08:54) One more thing before you go. Have you heard the term gospel before?   It simply means good news. And I want to share the best news with you. But it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there is absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death, and we can never pay back the sacrifice we owe to be saved.   We need a savior. But God loved us so much, he made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life we could never live and died in our place for our sin. This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus.   We can be covered and justified through the work Jesus finished if we choose to receive what He has done for us. Romans 10:9 says, “That if you confess with your mouth Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.” So, would you pray with me now?   Heavenly Father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you. Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life?   We trust you to work and change lives now for eternity. In Jesus' name we pray. Amen.   If you prayed that prayer, you are declaring him for me, so me for him. You get the opportunity to live your life for him. And at this podcast, we're called The Savvy Sauce for a reason.   We want to give you practical tools to im

In this week's MBA Admissions podcast we began by discussing the current state of the MBA admissions season. This week, MIT / Sloan, Duke / Fuqua, CMU / Tepper, UVA / Darden, UCLA / Anderson, Emory / Goizueta, Georgetown / McDonough, Washington / Foster, Vanderbilt / Owen, Georgia Tech / Scheller, Maryland / Smith and Minnesota / Carlson have Round 1 application deadlines. Oxford / Said has its Stage 2 application deadline. Graham highlighted several upcoming events being hosted by Clear Admit in the upcoming months, including a Real Humans series, a deferred admissions series and a series focused on MBA programs in different regions of the United States. Graham also highlighted our next livestream AMA, scheduled for Tuesday, October 28; here's the link to Clear Admit's YouTube channel: https://bit.ly/cayoutubelive. Graham noted that two new business-related academic programs were announced last week: Wharton's MS in Quantitative Finance and Georgetown's MS in Business Analytics. Graham then noted two recently published admissions tips, focused on MBA interview etiquette and the role of letters of support. Graham discussed the recently published Real Humans series focused on NYU / Stern. This led to a brief discussion on GMAT preparation. We then discussed the Class of 2027 admissions profile from Wharton, within the context of class profiles from Anderson and Johnson. For this week, for the candidate profile review portion of the show, Alex selected three ApplyWire entries. This week's first MBA admissions candidate has a strong international focus and can speak several languages. They have a super GRE score of 331. This week's second MBA candidate is a West Point graduate with a 2.76 GPA. We discussed potentials for mitigation, which might include retaking the GRE. They currently have a 321 GRE score. The final MBA candidate is from Pakistan and has a terrific GRE score of 335. They are working in energy sector consulting and looking to switch to a more health-care focused career. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

Carissa Phelps joins Dr. Sandie Morgan as they discuss an unprecedented opportunity for trafficking survivors to access $215 million in remission funds from the Backpage settlement, with a critical February 2026 deadline that could finally put survivors ahead of their traffickers for the first time in movement history. Carissa Phelps Carissa Phelps is a licensed attorney, author, and survivor advocate who founded Runaway Girl, Inc., a social purpose corporation providing survivor-led experiential trainings nationwide. She earned both a Juris Doctor and MBA from UCLA in 2007 and holds a B.A. in Mathematics from California State University, Fresno. As a pioneer in survivor-led advocacy, Carissa has spent nearly two decades empowering communities and amplifying survivor voices through innovative strategies. She is the author of the acclaimed memoir "Runaway Girl: Escaping Life on the Streets, One Helping Hand at a Time" and co-producer of the award-winning documentary "Carissa," both powerful tools used worldwide for education and training on child exploitation and trafficking. Key Points The Backpage remission fund represents $215 million available to trafficking survivors who were exploited on Backpage.com (2004-2018) and CityXGuide.com (2018-2020), marking the largest victim compensation fund in trafficking history. Unlike previous restitution processes that required court appearances, this remission process uses a third-party administrator, removing the traumatic requirement for survivors to face their traffickers in court. The February 2, 2026 deadline creates urgency for outreach, as many survivors remain unaware of this opportunity and the application process requires documentation of trafficking and economic losses. Survivors First community was formed as a working group under Love Never Fails Us to conduct weekly webinars, provide step-by-step guidance, and connect survivors with pro bono legal assistance and medical providers. The National Center for Missing and Exploited Children (NCMEC) has partnered with over 15 major law firms to provide free, trauma-informed legal representation to help survivors navigate the application process. Economic losses are calculated at federal minimum wage for a 40-hour work week during the trafficking period, though survivors can request higher amounts with proper documentation of different wages or hours. This funding opportunity represents a chance for the anti-trafficking movement to get ahead of traffickers for the first time, particularly as new technologies like Web3 and blockchain create new frontiers for both exploitation and prevention. Resources 19 – Runaway Girl Survivor's First Community Backpage Survivor Remission Network Transcript [00:00:00] Carissa Phelps: For the first time, for the first time in the history of this movement, we have an opportunity to get ahead of traffickers. [00:00:08] Sandie Morgan: Right now, $215 million is waiting for trafficking survivors. This is money that most survivors don't even know exists. The deadline is February 2nd, 2026. The legal system is finally learned from mistakes. There's no court required here. Victims don't have to face their traffickers to apply for this funding. It's a pathway to justice. [00:00:45] I am Dr. Sandie Morgan from the Global Center for Women and Justice at Vanguard University. And my guest is Carissa Phelps. [00:00:57] She's an attorney, a survivor advocate, founder of Runaway Girl Inc. And she is leading the charge to connect survivors with the Backpage remission fund. Let's join our conversation. [00:01:16] [00:01:22] Sandie Morgan: Okay, so Carissa Phelps, welcome to the Ending Human Trafficking Podcast. I have looked back at our history, and the last time you were here was 14 years ago. [00:01:37] Carissa Phelps: Oh my goodness. [00:01:38] Sandie Morgan: Wow. Listeners, if you wanna hear that interview, it's number 19. So welcome Carissa.

At 13 years old Sandra Schnakenburg was hit by a car traveling 100 mph while riding her bike. In addition to having her face reconstructed, she suffered a traumatic brain injury long before such injuries were widely understood. Her parents struggled to cope with her forgetfulness and memory loss, and they gave up trying. Thus began her 10-year struggle with bulimia, which shaped her in profound ways and deepened her appreciation for resilience and healing. Sandra Schnakenburg, a dual American/Australian citizen, holds a BS in Finance and International Business from Arizona State University and an MBA in Finance and Accounting from USC. After leaving a corporate finance career in 2010, she pursued creative nonfiction through courses at Writespace, Rice University, and The Writers University.    From an early age, Sandra envisioned herself leading an amazing life, even during the darkest times. Every day she consciously chose to have a good attitude and looked for the positive, even in painful situations—asking herself, "What can I learn from this?"   "Life has a way of continually testing me. When I overcome one challenge, a bigger one often appears. But I believe this is how our souls evolve—through adversity, we grow. My faith is my anchor, even as it is constantly tested, and it keeps me grounded through each trial."   In her interview, Sandra challenges the listener to do the same.  INTERVIEW WATCH BOOK TRAILER HERE       For fans of stranger-than-truth stories, Sandy Schnakenburg uncovers rattling and unprecedented revelations in The Housekeeper's Secret -- a powerful memoir of love, secrets, and survival. When Lee Metoyer is hired to be the new housekeeper, she has no idea that she's about to become the anchor to a family in an abusive patriarch's home, setting a mystery in motion that will take decades to uncover. At the age of seventy-two, Lee falls ill and, on her deathbed, asks Sandy to author her story. The only problem is, Sandy doesn't know the story.   What happened to Lee was unimaginably horrific – nearly impossible to survive. Yet, she found a way to reinvent herself, adopting a new name, birthdate, and even fabricating an entire past. Forbidden from asking questions and often reprimanded for prying, Sandy had little insight into Lee's true history. Embarking on a quest to honor Lee's final wishes, Sandy takes an emotional and thrilling journey, unveiling shocking truths not only about her beloved housekeeper but also her own upbringing. As she digs further, she learns that Lee came to her family's sprawling estate in Barrington, IL, harboring a secret past. For decades, she's been in hiding. But Lee is not the only one with secrets; Sandy's quest forces her to grapple with her own family history as well, and to finally confront the effects of the psychological abuse she suffered as a child. Both chilling and exciting, The Housekeeper's Secret is a gripping tale of love and survival that illuminates the resilience of the human spirit.  

The OBBBA was passed back in July 2025, but now Roth conversions are more confusing for retirees. The new senior deductions might be helpful for some, but for those who were planning to do Roth conversions could have some tough decisions to make.

Welcome to the American Railroading Podcast! In this episode our host Don Walsh is joined by guest Eric Starks, Chairman of FTR (Freight Transportation Research Associates). Together they discuss the pending $85 billion dollar Union Pacific and Norfolk Southern merger, the current status of the U.S. economy, an update on U.S. manufacturing and production including new railcar production, rail traffic, market trends and risks, a forecast for 2026 and much more. We also announce our 2025 Honor our Heroes Award winner! Tune in to this episode to gain valuable insights and broaden your understanding of American Railroading! You can find this episode and more on the American Railroading Podcast's official website at www.AmericanRailroading.net , and watch our YouTube Channel at the link below. Welcome aboard!KEY POINTS: The American Railroading Podcast remains in the Top 10% of all podcasts globally, now downloaded in 57 countries around the world!The podcast continues to experience incredible growth in downloads and subscribers. Mr. Starks is a graduate of Indiana University and was an Adjunct Lecturer at Indiana University, Kelley School of Business for 4 years, teaching MBA students Transportation and Distribution Strategy, and was instrumental in creating the Indiana University Transportation Board.Eric does a deep-dive into our current U.S. economy and GDP and gives us his opinion on whether or not they are where we expected them to be.Don and Eric discuss Tariffs, what their intended use is by the current administration, and whether or not they are providing the intended results.Eric gives his opinion of the pros and cons of the pending UP and NS merger, and they discuss the recently announced BNSF and CSX partnership.Don and Eric do a thorough review of current rail traffic, velocity, dwell times, commodity and car type trends, and more.You don't want to miss Eric's 2026 forecast!Our 2025 – American Railroading Podcast - Honor our Heroes Award winner is……You'll have to listen to the end of the episode to find out.

Preference card management plays a critical role in improving accuracy, reducing costs, and driving efficiency across surgical services. Host LaTammy Marks, Senior Performance Improvement Program Director at Vizient, sits down with Carol Zelenkowski, System Operations Manager for Surgical Services at Main Line Health, to discuss their journey toward optimizing over 20,000 preference cards. Carol shares how her team used data to uncover cost variations, build surgeon buy-in, and achieve reduction in card volume. She also reflects on lessons learned and how these improvements are now expanding into other specialties, offering valuable insights for health systems nationwide.   Guest speaker: Carol Zelenkowski, BSN, RN, CNOR System Operations Manager MLH Surgical Services, Main Line Corporate Center   Host: LaTammy Marks, MBA, BSN, RN Senior PI Program Director, Performance Improvement Programs Vizient   Show notes: [01:01] – Main Line Health's starting point and challenges with preference cards before joining the Vizient collaborative [01:50] – Why Main Line Health chose to participate in the Vizient collaborative [02:51] – How the team decided which preference cards to prioritize for review and optimization [03:24] – Key insights uncovered in the data, including cost saving and variation trends [04:33] – Gaining surgeon buy-in by presenting accurate preference card data [05:35] – The measurable savings achieved and the positive impact on Main Line Health's surgical services [06:52] – Expanding preference card optimization to other specialties and the future of this work.   Links | Resources: Contacting Knowledge on the Go: picollaboratives@vizientinc.com Unlocking savings through preference card management Transform your perioperative supply chain Subscribe Today! Apple Podcasts Spotify Android RSS Feed

Stocks take a breather after a huge run. Economist talking out of both sides of their mouths. Circular finance and vendor financing – all the rage. Andrew Wilkenson, Director of Trading Education at Interactive Brokers.  NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment) Andrew Wilkenson, Director of Trading Education at Interactive Brokers. Andrew joined Interactive Brokers in 2007 with a background in interest rate and derivative trading in the city of London during the 1990s. Andrew joined IBKR to create market commentary about stocks, options, forex and bonds for the website before helping create the IBKR Campus, which covers Traders' Insight, Traders' Academy, webinars, podcasts and a variety of other financial training for investors of all levels. Andrew has an MBA from Rollins College FL. Learn More at http://www.ibkr.com/funds Follow @andrewhorowitz Looking for style diversification? More information on the TDI Managed Growth Strategy - https://thedisciplinedinvestor.com/blog/tdi-strategy/ eNVESTOLOGY Info - https://envestology.com/ Stocks mentioned in this episode: (CRCL), (KSS), (FIOG), (WMT), ROST), (NVDA), (TSLA)

In this episode, Charlette Stallworth, MBA, Vice President of Business Development and Innovation at Stanford Medicine Children's Health, discusses how her team leverages AI, fosters partnerships, and balances digital innovation with patient-centered care and governance to advance the organization's mission.

Ernest Lee Davis, a native of Los Angeles, California, spent most of his life there before earning an athletic scholarship to the University of Idaho, where he graduated with a Bachelor of Science in Communications. He earned his MBA from Western Governors University and will finish his Doctorate in Philosophy of Leadership with an emphasis on Servant-Leadership from Gonzaga University this year. Ernest has worked as a finish manager/leader in the aerospace industry for over 15 years at Skills Inc., a nonprofit organization that partners with The Boeing Company. He has dedicated his career to creating meaningful opportunities for persons with disabilities and other marginalized groups, encouraging an inclusive and diverse workforce. A devoted follower of Jesus Christ, Ernest joined the Church in 2005 and is committed to living the Savior's teachings and sharing his personal story of resilience. He is the author of the best-selling book Leading in the Lord's Way: A Journey of Servant Leadership, and I Am Aye Child of God. At church, he has served as a member of his stake high council and currently as stake Young Men first counselor. Ernest and his wife, Ruth, have three children and live in Puyallup, Washington. Links Leading in the Lord's Way: A Journey of Servant Leadership I am Aye Child of God Transcript available with the video in the Zion Lab community Summary Ernest explores servant leadership principles and shares insights from his personal journey, emphasizing the importance of empathy, stewardship, and building a beloved community. Key Insights Servant Leadership: Ernest emphasizes the concept of leading through service, drawing on his experiences and the teachings of the gospel. He intertwines personal stories with leadership principles to illustrate how effective leadership is rooted in empathy and understanding. Empathy: Understanding others' perspectives is crucial for effective leadership. Ernest shares examples of how empathy can help leaders connect with individuals from diverse backgrounds and support them in overcoming their challenges. Stewardship: Leaders are responsible for nurturing the talents and potential of those they serve. Ernest encourages leaders to recognize their stewardship over individuals in their communities and to cultivate their growth. Beloved Community: The idea of Zion as a beloved community is central to Ernest's message. He advocates for inclusivity and acceptance, stressing the importance of making everyone feel welcome and valued within the church. Diversity in Leadership: Ernest highlights the need for diverse representation in leadership roles to better serve marginalized communities and to foster a more inclusive environment within the church. Leadership Applications Fostering Empathy: Latter-day Saint leaders can practice empathy by actively listening to the experiences of those they serve, which can help build trust and understanding within their communities. Cultivating Talents: Leaders should focus on identifying and nurturing the unique talents of individuals in their wards, creating opportunities for them to contribute and grow. Building Inclusive Communities: By promoting a sense of belonging and acceptance, leaders can create a welcoming environment that encourages participation from all members, regardless of their background or circumstances. Highlights 00:03:17 - Inspiration for Writing the Book Ernest shares what inspired him to write "Leading in the Lord's Way." 00:04:03 - Early Life and Challenges Ernest discusses his upbringing, homelessness, and the journey to college football. 00:05:07 - Meeting the Missionaries How Ernest first encountered the missionaries and his initial experience with the Book of Mormon. 00:06:32 - Knee Injury and Finding the Covenant Path The impact of Ernest's knee injury on his life and how it led him to baptism. 00:06:43 - Leadership Aspirations