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Title: From Hustle to Holdings: The Smarter Path to Passive Wealth With J. Scott Summary: In this episode of the Passive Income Attorney Podcast, host Seth Bradley discusses the importance of transitioning from active to passive income with guest Jay Scott, a seasoned real estate investor. They explore various investment strategies, the significance of due diligence in syndication, and the differences between house flipping and multifamily investments. Jay shares his journey from tech to real estate, emphasizing the need for teamwork in multifamily projects and the importance of understanding market conditions. The conversation concludes with actionable insights for listeners looking to create financial freedom through passive income. Links to watch and subscribe: https://www.youtube.com/watch?v=V26Rze2S9TM Bullet Point Highlights: Active income is trading time for money, while passive income allows for financial freedom. Investors should focus on the highest and best use of their time. Flipping houses can be tedious and may not be the best use of time for high-income earners. Transitioning to multifamily investments can provide more control and cash flow. Market conditions can significantly impact investment strategies and outcomes. Due diligence is crucial when vetting syndication sponsors and deals. Understanding the underwriting process is essential for passive investors. Building a strong team is vital for success in multifamily investments. Investors should seek to understand the risks associated with their investments. Passive income allows for a lifestyle centered around family and personal interests. Transcript: Seth Bradley (00:10.188) What's going on, law nation? Welcome to the Passive Income Attorney Podcast, your favorite place for learning about the world of alternative passive investments so that you can practice when you want to and not because you have to. Now, if you're ready to kick that billable out of the curb, start by going to attorneybydesign.com to download the Freedom Blueprint, which will also get you access to partner with us on one of our next passive real estate investments. All right, let's talk about   the highest and best use of your time. We've talked about active versus passive income and for good reason, they are completely different. They're on opposite sides of the spectrum. When we talk about active income, we're talking about your job as an attorney, as a doctor or a business owner, where you trade your time in for money out. Depending on your skill set, background, education, work ethic, et cetera,   You know, this could be a great use of your time or it could be a terrible one. But when most people think about getting into real estate investing, they're torn. Should you do a fix and flip like you saw on HGTV? Should you invest in a REIT like your financial advisor and Charles Schwab told you to do? Should you buy a single family rental or invest in a syndication? There are endless options so I can understand why it's so confusing. Well, start with this.   ask yourself, what's the highest and best use of my time? If you're thinking about doing an HGTV fix and flip and your partner at a big law firm, for example, is that flip really the best use of your time? And don't be mistaken, a flip is transactional and it is active. So will you make more per hour on that fix and flip than you would at your job?   After you factor in the learning curve, the deal sourcing, the headaches, what it takes away from your job and everything else, it's not even close. Unless you truly love doing it, which some people do, it just doesn't make sense for high income earners. You should be focusing on transforming the income you earn actively into passive income streams. At different levels on the passive scale, that could very well be a single family rental or an Airbnb.   Seth Bradley (02:34.26) or could be passive investments into commercial syndications. But if you truly want to obtain financial freedom as quickly as possible, don't create more time consuming activities that aren't as fruitful as the active income stream that you already have. Focus on passive investments until you are financially free. And then you will have the freedom to transition or not into any   active activity you have a passion for. Today, we have a very special guest, Mr. Jay Scott of Bigger Pocket fame. Jay is an entrepreneur, investor, advisor, and the co-host of the Bigger Pockets Business Podcast. He has bought, built, rehab, sold, syndicated, and held over $70 million in residential property, and currently owns several hundred units. Jay is the author of four bestselling books on real estate investing,   with sales of over 300,000 copies. Get really excited for this, folks. You're in for a treat.   This is the Passive Income Attorney Podcast, where you'll discover the secrets and strategies of the ultra wealthy on how they build streams of passive income to give them the freedom we all want. Attorney Seth Bradley will help you end the cycle of trading your time for money so you can make money while you sleep. Start living the good life on your own terms. Now, here's your host, Seth Bradley.   Jay Scott, what's going on, brother? Welcome to the show.   Scott (04:09.196) Thanks. Appreciate you having me here Seth.   Absolutely, man. Appreciate you taking the time out of your day, We've got a little bit of history, but let's jump into your history, man. What's your story? Tell us about your background. Take it back as far you'd like to.   Yeah, I'll keep it short because nobody really cares about what I used to do. So I'm a tech guy by education and former trade. I worked in Silicon Valley for a long time, spent about 15 years doing the engineering thing and the product management thing. 2008 decided to get married. My wife and I, she was in the tech world also. We decided to leave and do something different so we could start a family.   focus on our family. Basically, we were both working ridiculous hours and it just wasn't sustainable if we wanted to start a family. So put our jobs in 2008, moved to the East coast, ended up flipping houses. Long, boring story about how that started, just kind of serendipitous. We didn't really plan it, never really considered real estate, but fell into flipping houses. Over the next eight years or so, we flipped about 400, 450 houses, was great. It ended up being the,   next career we were looking for, it gave us the flexibility to kind of raise our kids and never have to miss a soccer game or a piano recital, which was fantastic. But then around 2017-ish really got burned out on flipping houses and that's when I started to look for some new stuff to do. and that kind of leads me into what I've been doing the last few years.   Seth Bradley (05:41.742) That's awesome, man. That's a ton of houses you flip, man. think that that's, know, a lot of the folks who've been in the game for a long time, they've heard you speak on, you know, on bigger pockets and all of that. So, you know, what attracted you originally to house flipping rather than, you know, buy it holds or anything like that?   So I'll be honest, I don't love real estate. I love business. I'm a business guy. like when I was even when I was in the tech world, I got my MBA and I did some business development and I moved from the engineering side to the product side where I could be more involved in the business stuff. And I'm a business guy by heart. And that's what I love doing. So when it came to flipping houses,   For me, was, I could have been buying and selling anything. It ended up being houses. And again, not an exciting story. mean, literally the story was my wife was watching a show on HGTV with some people flipping houses and she said, let's give that a try. Just as kind of like a fun thing to do on the side while we were waiting for our wedding to come up. So it wasn't something that I ever thought about or planned to do. It just kind of happened.   And so if it weren't flipping houses, it would have been buying and selling something else. would have opened a restaurant or I would have opened a retail store or who knows what I would have done. But for me, the challenge was in the business. It wasn't the real estate piece of it. And so I've always enjoyed the scaling part. So yeah, flipping a house is great. Flipping five houses is great. But I always wanted to know, how do I go from flipping five houses to flipping 50 houses in a year? What are the systems and processes I have to put in place?   how do I build that type of business? That to me is what's exciting. And so for me, it's always been about not the real estate part of it, but about the building the business part of it.   Seth Bradley (07:25.248) I love that man. I don't think I've heard anyone just come out and say that, even though a lot of people are probably in the same boat as you that, you know, you don't have to love real estate to recognize that it's a great business. Right. Yeah. So that that's awesome. So tell me a little bit about your, your transition and what you're doing now, your current business, how you kind of progressed from house living to what you're about to tell us about.   Yeah, so 2017, I just got really burned out on flipping houses. It was good to us financially. We got good at it. I wrote a bunch of books on it, but I'll be honest, it was never fun. And as the years went on, it just ended up getting more tedious. I felt like I wasn't learning anything new. It was revising processes and creating new systems. it was fun, but I needed some new challenges.   So 2017, I decided, okay, done with flipping, actually went and started doing some business stuff. So I do some advisory work for some tech companies. I do some angel investing. And so for a few months, I actually considered getting out of real estate altogether, focusing on other business pursuits. But I actually, what I realized was that I didn't like the nuts and bolts of real estate. I liked the mechanics of real estate.   I loved the negotiation piece. I loved the asset management piece. I loved the putting deals together piece and I was good at it. And so while I really didn't wanna be flipping houses, didn't want to be involved in the day-to-day aspects of managing the projects. I enjoyed the deal part of real estate. And so in addition to that, after I stopped flipping, I had all this cash.   And I was like, okay, what am I going to do with this cash? I was using it to flip houses. We were doing 50 houses a year. It's put a lot of cash to work. Now I had all this cash. I'm a control freak. do invest in other people's syndications, but I don't sleep well at night when all my money is being managed by other people. So I said, how do I kind of take back control of my own cash as well as kind of get back into real estate? What can I do in real estate that I would enjoy? And now I can also deploy a bunch of my own cash. And what I realized was multifamily.   Scott (09:38.648) That was a great opportunity. And I had been thinking about multifamily for a long time. But what I realized was from the syndication side of multifamily, could, one, I could have the control. could be a general partner. could control the deal. I could put the deal together. I could manage the deal. But also I could come in on the limited partner side as an investor. And it was a great place to deploy my capital. So I could deploy my capital in deals that I had full control over. So 2017, I decided I wanted to get into multifamily, probably wanted to get into syndication.   I reached out to a friend of mine, Ashley Wilson, who managed a company called Barred Down Investments. She and her husband had started the company a couple of years earlier. They were doing exactly what I wanted to do. And so I reached out to Ashley and I said, hey, I would love to learn multifamily. I don't expect you to like just take all this time and teach me so I can often be your competitor. But here's what I am willing to do if you're willing to do this. I will come work for you for a year.   And in that year, you've got all my time, you've got all my energy, you've got all my knowledge, you've got all my contacts, I'll put money into your deals, whatever it takes. You mentor me for a year, you've got my commitment for a year. After a year, we can figure out if like, there's a place for me on the team or if I'll go off and do my own thing. But basically, let's work together for a year. And she loved that idea. mean, I think she liked the fact that I was really good with the systems and the processes and the operation stuff.   And I obviously loved the fact that I could jump into a team that was high functioning, already owned a lot of properties and was doing deals. So for the next year, I worked with her team. It took about a year and a half before we finally did a deal. But 2020, just before COVID, we started putting together a deal. That deal went really well. Ashley and I realized that we were like, just we made a great team.   We had a bunch of complimentary skills, the things that she was really good at, I wasn't, the things I was really good at, she wasn't, it was just a good partnership. Around the same time, her husband decided that he didn't really want to be doing real estate anymore. He kind of wanted to be a stay at home dad. He liked helping with the business. He ran the underwriting team and he did a lot of the analytics, but he didn't want to be a partner in the business anymore. So about a year and a half ago, Ashley came to me and said, Hey, would you want to join me and be a partner in the business?   Scott (11:57.678) 2020, 2021-ish. Ashley and I joined forces. She and I now run bar down investments and we do value add multifamily all around the country.   That's great man, said you weren't having fun anymore, you having fun now?   I'm having a ton of fun. And I think the big difference between then and now is when you're flipping houses, flipping houses is a very, it's a solitary venture. Yeah, you have contractors around you and you have eight real estate agents and you have closing agents and lots of 1099 people, lots of vendors and people that come in to help you. But at the end of the day, you're running the show. You're doing the four big things that you do when you flip houses.   you're acquisitions or you're running acquisitions, you're doing the rehab or you're running the rehab, you're doing the disposition or managing the disposition and you're raising the money. mean, all four of those things, you don't generally have a big team to do those things because it's just hard to scale a big team when you're flipping houses. The profits aren't there, the margins aren't there. Unless you're doing real high-end houses, the deal size isn't there. But in multifamily, the thing I love about multifamily is it really is a team sport. When you're doing it,   $10 million deal or a $50 million deal, it's not something that I could ever do myself. It's not something anybody or very few people can do themselves. Typically you have to be part of a team because things are very specialized. mean, the acquisitions piece, you need some of the best acquisitions people in the world to be finding deals in this market. The renovation piece to be renovating a 200 or 400 or 600 unit apartment complex, it's not like flipping a house. You need to have really good systems and processes. need to...   Scott (13:36.448) really know the renovation side of things. Managing the property, I mean, you have to know the asset management side. You have to know how to carry out a business plan. You have to know how to increase and reposition rents. You have to know how to decrease expenses and improve the efficiency of the management. And then on the sales side, that's a whole other world where you have to really know the market and be able to work with the brokers and know how to position the company for sale. And then finally, there's that raising funds piece.   And that's a whole world by itself, whether you're dealing with raising debt through a broker and you're going like just typical, like getting loans, or you're going out to private investors or institutions and you're raising equity, people that come in as partners. And I mean, that's a full-time job in itself, those two things. So when you do multifamily, you really need to figure out what are you great at? And then you need to surround yourself with people who are great at everything else. And so that's what I loved about multifamily. It allowed me to focus on what I was really   and then bring in people who are literally the best in the world at all the other stuff. And now it becomes a team sport. It goes from playing tennis to playing basketball. It goes from being yourself reliant and you have to do everything and be the best versus you have to be able to put together the best team and manage that team in a way that not only is everybody fantastic, but working together, they're better than the sum of their parts.   Yeah, yeah, that's fantastic, man. The whole team game part of multifamily and commercial real estate. It's really interesting because when you get into other businesses, it feels more competitive and kind of like if you if you have the secret sauce, you keep it close to your vest. You don't you don't tell everybody about it. Whereas when you're in this commercial real estate world, everybody's sharing ideas. Everybody's trying to partner. Everybody's trying to see how they can help you rather than just looking about, well, how can you help me kind of?   I call it, I'm gonna get in trouble here, but the Hollywood mentality where it's like, what can you do for me? Oh, you just drive a three series, you probably can't help me. So it's a different attitude.   Scott (15:41.294) Absolutely. I like to refer to it as co-op petition. It's like there are deals that you're going to do with other people and then there deals you're going to do yourself and you may come back to those people later. You may never come back to them, but everybody kind of looks out for each other because you never know when you may end up in a deal with somebody that previously you were competing against. And so anytime that you're not in a deal with somebody, you're still treating them as if, the next deal we could end up being partners. And the deal after that, we could end up being partners.   because it really is, it's a small industry, everybody knows each other. we really, again, going back to the sum of the parts is greater than the parts themselves. mean, working together, we can really do a whole lot more than if we just are purely competitive and try and take each other down.   Yeah, absolutely. And I think kind of going back, there's a lesson to be learned about how you were transitioning from house flipping and you were the best at it. And then you're like, okay, I want to go into multifamily and a syndication. You went and you sought out someone that was already in the game that knew what they were doing, that had the experience. And you said, what can I do to help you? What value can I bring to you to help you so you can teach me what you've done? And there's a lot of value to be found in that lesson for folks that are trying to   you know, get into the active side. A lot of listeners out there are passive investors already and they're, you know, maybe thinking about, maybe I want to do in the active side. And they're like, well, what can I do? Cause a lot of attorneys, especially in doctors and folks like that, they think they have this one track mind. They're only trained to do one thing. And they're like, what value can I provide as somebody else? But there are a lot of skills that you've learned in your W2 profession that you can apply to help other folks that are already in the industry.   Absolutely. I mean, I talk about it a lot, but even outside of real estate, I do a lot of advisory work and I'm still pretty active in the tech world. And I find companies that kind of bridge that gap between technology and real estate. all know about the Zillows and the Airbnb type companies. There are a lot of startup companies in that space too called property technology type companies. so...   Scott (17:46.998) I love to use my experience, my knowledge, my relationships to go into those companies and help them grow their companies. In return, I'm not an employee. I'm not even a 1099 contractor. In return, I'm getting equity so that if I can help make them successful, ultimately my equity is gonna be worth something. I'm gonna be successful as well. And so what I like to tell everybody like figure out what you're good at and then figure out who needs that expertise.   and then figure out how you can offer that expertise in a way that isn't trading necessarily hours for dollars. Figure out how you can trade your expertise, your knowledge, your Rolodex, your whatever it is for equity or potentially passive income so that you can grow potentially many fold as opposed to I charge $200 an hour or $300 an hour. mean, everybody loves $300 an hour, but the minute you stop working, you stop making that money. But if you can get equity, that equity can work for you for a while.   Yeah, absolutely. And it's tough for a lot of the WTs out there listening, they're highly paid professionals. It's tough to get off of that treadmill. For some folks it's easier because they're not making as much money, but for the lawyers, the doctors out there that are making a good amount of money in their profession, it's tough to try to see, you know, to stop trading time for money. But you've got to kind of see through the weeds there.   Yeah, well, what I tell people is, there's two types of income. There's your active income. That's the stuff that you're trading your time for, whether you're a doctor or a lawyer or an engineer or you're a house flipper or you're a consultant or you're a small business owner, whatever it is, that thing that when you stop working, you stop making money. And then there's a passive income. It's the thing you trade money for money. So you put your money out there and hopefully it continues to come back to you for the rest of your life or at least the next several years.   And so what I like to tell people is don't think about those the same. Those are completely different. figure out for your active income, figure out what the highest and best use of your time is. If you're gonna make more money as an attorney than you are flipping houses, don't flip houses just because you eventually want to retire on real estate. You can always use real estate for the passive side of things, but if you're gonna make more dollars per hour as an attorney or a doctor or a consultant, then do that because you wanna get out of that active income as quickly as possible.   Scott (20:05.9) And the way you do that is you make as much as you can and you move it over to the passive side. So focus on whatever it is that's generating the most dollars per hour for a shorter period of time so that you can then start moving that money over to the passive side and start building up the passive side. don't, people ask me all the time, should I flip houses or should I buy rentals? And I'm constantly telling them that's not the right question. Flipping houses is your active income. Compare that to all the other.   potential active incomes you can have. And rentals is passive income. Compare that to all the other passive investments you can make. And so don't say flipping houses or rentals say, should I be flipping houses or should I be an attorney? And don't say, I be flipping houses or rentals say, should I be doing rentals or should I be investing in syndications or dividend generating stocks or something else? And think of them very differently. then secondly,   Make sure as much of that active income as you can, move it over the passive side so that you can start that snowball rolling. I compound interest is the key to financial freedom. And the sooner you can put more money to work, the faster it'll compound and the sooner you can start to live on.   Yeah, I love that man. mean, lot of folks, you know, calls that I take, they're like, hey, they're attorneys. Should I quit my job or how do I quit my job? I'm like, if you want to quit your job, don't be hasty about it. First of all, you're probably making a good amount of money in your active income. You just need to figure out a way to transition that active to passive income and don't just quit your job. It's very difficult to flip houses, to do an HGTV fix and flip while you're working at a big law firm or something like that full time.   I tried to do it, I didn't do it very well. You're not even gonna make it nearly as much money as you would as a doctor, as an attorney, unless you get to level like you did, Jay, but that takes time and that takes a buildup of accumulation of skills and money to be able to get to that level.   Scott (22:05.826) Yeah, I mean, at the end of the day, it's a math equation. mean, your passive income or your ability to build up enough income to be able to retire, whatever your number is, is based on how much can you put in per month into that wheel, that passive income growth machine? How much are you generating every year on what you're putting in? So what do your returns look like? And three, how long do you have to compound it?   And so everybody can go out into a compound interest calculator and say, okay, I have $5,000 a month that I can invest passively and I can return 12 % per year and I need $6 million to retire. Well, based on those three numbers, you can now figure out that fourth variable, is how long is it going to take? And so figure out how much do you have per month to put in? What's the rate of return you can generate and how much do you need? And that'll tell you how long it's going to take or   figure out how much you have to put in, how much your return is gonna be and how long you wanna spend. And that'll tell you how much you'll end up with at the end, either way you wanna look at it. But again, it's a pretty simple math equation, but too many people don't actually do that equation where they don't think about it until too late and they think, I wish I would have taken that $5,000 a month that I was spending on my second home in the Bahamas and put that into real estate so that I could have been.   compounding it and so now I could buy that home for cash five years or 10 years later.   Absolutely. Attorneys hate math, but I think they can handle that little equation. I want to take a step back for a minute because you got into house flipping in 2008, which is kind of like around the big crash. And now we're kind of at the height of a market. We don't know where that height is going to end, but we're definitely in it. Right. So can you maybe compare and contrast getting into, let's say,   Seth Bradley (24:01.652) one real estate venture in the middle of a crash compared to getting into another venture kind of towards, towards the upswing.   Yeah, so it's one of the reasons I like multifamily and I like commercial and I like syndication. Anytime you're doing purely transactional deals, buying something and then selling it, not generating any cashflow in between, you run a risk. If the market turns in the middle of the transaction, you're gonna lose money and you don't have a lot of ways to mitigate that risk.   Whereas if you're buying something like an apartment complex, or even if you're buying a rental property, or you're buying a self-storage complex, or you're buying anything that cash flows, the nice thing is if the market turns, you may not be in a great position. You may not be thrilled with what's happening with the value of your assets, but if you're still generating cash flow, you can weather that storm. Maybe it's gonna take, the average recession lasts about 18 months. And so if you can make enough income that you can keep yourself afloat for 18 months, or maybe   it's a horrible recession and it lasts three or four years. If you're still making income and you can keep yourself afloat for three or four years, the market's gonna come back. And so when we do our multifamily deals, yeah, we typically say we're planning to hold three to five years, but we also do all the underwriting to ensure that if we have to hold for six years or eight years or even nine or 10 years, that the numbers still work because.   Again, who knows what's gonna happen three years down the road, we could have a major recession that lasts four years and now we're seven years down the road. I wanna know that my multifamily investments in seven years, they're probably gonna be producing more cashflow. We're probably gonna see more growth in terms of population. We're probably gonna see more growth in terms of employment. Hopefully we're gonna see more wage growth once we come out of that recession. So all the economic indicators that kind of lead towards value growth in multifamily,   Scott (25:58.486) are going to happen over those seven years if I can just get my property seven years and not lose it. With a flip, well, I'm not generating any income. So if the bank calls the loan due or if my two-year loan comes due and I can't refinance, I'm screwed. But in a multifamily, I just waited an extra couple of years and I'm probably in a better position than I was anyway. So that's one of the reasons I love multifamily because we can't predict   what the economy is gonna do in the next couple of years. But I do know that whatever the economy does, it's probably gonna come back in the next five or 10, and I'm still gonna have the problem.   Yeah, yeah, that's great. That kind of rolls into this next question. How does a passive investor that's kind of vetting a sponsor, how do they check kind of the boxes to see if their sponsors are taking the extra measures to look into those risks that you just mentioned, to mitigating those risks, to taking those risks into account in their underwriting and things like that. How can they best vet the sponsor to make sure that they're thinking of those things?   So I invest in a lot of other people's syndications as well as my own. And so when I do that, I kind of look at five areas for due diligence anytime I invest in a syndication. Number one is the team. And that's probably the most important thing. For a lot of people, I have been pleasantly surprised that a lot of our investors have recognized that team is the most important aspect of the deal. I know in the flipping world, everybody was concerned about the deal. Nobody cared about   what was my experience, but in the multifamily world, a lot of investors recognize that the team has to be great. So number one is the team. Number two is location. Location is often overlooked, but at the end of the day, the thing that's gonna drive value for multifamily and for commercial real estate in general is gonna be population growth. So you want more people coming into an area, employment growth. So you want more employers coming into an area that will bring more people in. You want wage growth because that will ultimately drive rents up.   Scott (28:06.082) and you want employment diversity. You wanna know that if one industry takes a big hit, so for example, we invest in Houston, but we won't invest in the energy corridor of Houston because it's so reliant on oil and gas, that if the oil and gas industry took a big hit, the real estate around there would probably take a big hit. So we wanna see that there's good employment diversity. But at the end of the day, location is that next big thing. So team, location, number three is the deal itself.   So you need to know that the deal is gonna stand on its own. I wanna know that if I took a deal and I handed it to pretty much any other indicator, they couldn't mess it up too badly. Obviously, again, we're gonna go back to the team is super important, but I want the deal also to stand on its own. And I wanna know that the business plan for the deal, the hold period, the numbers and the underwriting, the pro forma for the property makes sense. So team location deal.   Number four is the returns. So obviously when I invest with somebody, I'm in it for the money. And so I wanna see that the returns are commensurate with the risk. I wanna know that the returns, if somebody tells me I'm gonna get 10 % returns in this deal versus 20 % returns in another deal, I wanna know, well, why am gonna settle for lower returns? I want the answer to be because it's a lot lower risk or because you're gonna get your money back a lot sooner, which is gonna allow you to compound it or whatever the answer is.   I want to know that the returns make sense given everything else. And then finally is the risks. At the end of the day, I'm always going to sit down with the syndicator and I'm going to say, what are you most concerned about here? Like where, if I'm going to lose money on this deal, where am I most likely going to lose money? They say, there's no shot of losing money. walk away because we all know every deal has risks and every syndicator knows what those risks are. And they're thinking about those risks. I just want them to tell me.   So if I'm gonna lose money on this deal, where am I most likely? Why am I most likely to lose money if I'm going to lose money? So those are the five things that I look for. Talking about each individually a little bit more. the team, I like to know that one, I wanna see how many deals the team has done together because again, like a basketball team, you can put the best basketball players in the world together. And if they've never played on the court together,   Scott (30:31.672) they're not gonna be necessarily the best team out there. You can find another team with five inferior players who have been playing together for 20 years and they're probably gonna be better because they know each other better. So I like to see teams that have worked together for a while. I like to see teams that have gone full cycle in deals. So it's easy to buy 10,000 units. It's hard to buy 10,000 units and also sell 10,000 units for a profit. So I wanna see that if a team has bought a lot of deals, they've at least sold some for a profit.   I wanna see a team that's putting their own money in the deals. So I want people that have skin in the game. If they don't have skin in the game, and I've seen plenty of syndicators that don't like to put money in the deals, well, they need to sweeten the pot for me somehow. So maybe they're saying, we're not gonna take any profits until at least year three, or we're gonna give you a better preferred return, a better split than you would get if we were putting money in the deal. I wanna know if you're not putting money in.   that you're at least giving me something that aligns our interests and ensures that you're gonna be working hard even though you might not have as much financial risk. So those are the types of things I like to see in the team. I like to see things like at least one or two people working full-time. If everybody's part-time, that's kind of a little bit scary. Obviously not everybody has to be full-time because there are a lot of jobs on a GP team that aren't full-time jobs. There are a lot of jobs that might stop the day you purchase the property. Like the person that's raising money, job's   pretty much done other than communicating status when the property's been purchased. But I do want to know that whoever's managing the asset is doing it full time. So that's kind of the team stuff. Location, again, population growth, employment growth, wage growth, and employment diversity. So those are the four big things I look for. Next is the business plan. So I want to see the biggest question when somebody goes in and...   does what I do, which is a value add multifamily. Basically they buy it, they raise the value of the property and then they sell it for a big profit. Where is that profit coming from? Generally the profits coming from raising the rents. There's also some lowering the expenses, but at the end of the day, raising the rents is kind of the big thing that's gonna generate the big profits in multifamily. And so I wanna know how are you raising the rents? And two, when you tell me that you're raising the rents from X to Y, where is Y coming from?   Scott (32:55.182) Show me the comps that tell me that why is a reasonable new rent, market rent for this property after you've done the renovation. So I wanna see the comps. So that's kind of the deal. The returns speaks for themselves. I wanna see like the structure of the deal. So when's the money coming back to me? Is it paid monthly? Is it paid quarterly? What are the returns look like? What's the preferred return? So is it a low preferred return, which means   that the syndicators are getting paid sooner, whereas at a higher preferred return, which means the syndicators have to do more for me before they take anything home. So that speaks for themselves. And then for the risks, I wanna know both the catastrophic risks. So what's the thing that's like going to make me lose all my money? Is there something out there that can cause me to lose all my money? Hopefully the answer is no, but there are probably some risks that are bigger than others. So we do a lot of deals in Houston. If somebody were to say to me, what's the biggest risk on your deals?   The answer is generally going to be weather. If we have a really bad hurricane, if we're in a flood zone, we probably have flood insurance and we have hurricane insurance. But if it's in a place that's never experienced the negative impacts of a flood or a hurricane, and we are not required to have flood insurance, but there's still a massive hurricane that wipes out that property, that's not going to be good. We're going to have to pay for that ourselves. So what's our mitigation there? We don't have a great one. Luckily.   the risk is really low. We don't buy in areas where there is that risk. And if there is, we're gonna get flood insurance. But I do want my investors to know that no matter where you invest, whether it's a risk and especially in Houston, if we see a storm bigger than anything we've seen the last 50 years, some of our properties could be at risk. And then there are the smaller risks. So maybe there's five other complexes being renovated all around us. Maybe there's class A, brand new class A being developed.   all around us. So basically our absorption of units is going to slow down because there's so many more units. Maybe there's one big employer in the area. Amazon just built a warehouse that's employing 8,000 people. Well, what happens if Amazon has a bad year and has to lay off 4,000 of those people? How's that going to affect us? So, so risks is the next thing. And the way I approach it is I literally sit down with the, with the syndicator and say,   Scott (35:15.554) What keeps you up at night? What are the biggest things you're concerned about? And so those are the things that I do. I have no problem basically saying to a syndicator, I need 15 or 30 minutes of your time to ask these questions. Typically the good ones will either find the times themselves or have somebody on their team that will sit down and answer these questions. If they're not willing to answer those questions, well, that's probably a good indication that that's not a good team.   Yeah. For our listeners out there, that breakdown was incredible. Rewind that, listen to those five items again. That's a quick, but thorough and awesome rundown of what you need to do. Just as at least the starting points for your due diligence. And that's, that's great that you said if they won't book a call with you either themselves or an investor relations person on their team, then it's time to, you can just walk away and look at the next, look at the next deal. One question I had on the deal.   So a lot of folks, it's kind of overwhelming to see an underwriting model or something like that. And being a passive investor, I don't know how much you even want to dive into it. Some people do, some people want to nerd out on it. Most people don't. And we don't generally have access to the T12 or the rent roll or anything like that. What are maybe some quick tips on how to maybe proof through that pro forma to make sure that the assumptions are reasonable and the pro forma is generally   a reasonable prediction of what we might expect from that investment.   Well, let me start, me take a step back before I answer that particular question and just say that even for you and me, mean, you know how to do an underwriting, I know how to do an underwriting. If you or I were gonna invest in somebody's deal, Joe Smith's deal, we're probably not gonna have enough information even though we know this business really well and we know the underwriting models really well, we're probably not gonna have enough information.   Scott (37:08.908) that we're going to be able to know for certain that Joe Smith's not trying to scam us out of money. So if Joe Smith is really smart and he could probably put together an underwriting that could fool us because we're just not gonna be putting in as many dozens of hours underwriting as he and his team are. So the number one thing I would say is make sure you trust your syndicate. This goes back to why team is so important.   because there's two types of things that Joe Smith can do. One, he could do a bad job of underwriting and come up with bad numbers. That's not good, but that's not nearly as bad as Joe Smith wanting to scam us out of money. So number one is make sure Joe Smith's not the kind of guy who wants to scam us out of money. And so work with people who are reputable. And that's why I would invest with you before I would invest with 95 % of syndicators out there because you're an attorney, you passed the bar.   you know that if you go and somebody finds out that you're trying to scam somebody, well, you're putting your entire career at risk. And so what I tell people is, so what do you have that really proves that this person is on the up and up? And maybe it's a track record. Maybe it's 10 or 15 years of doing deals. Maybe it's, I like to think with me, I've been doing this business for 15 years. I've done thousands of deals with hundreds or thousands of people.   And if you go out on the internet, nobody's gonna, you're not gonna find anything that's written negatively about me. So that's a good sign. But make sure that there's something out there that gives you faith in that syndicator, even if it's just somebody else that's invested in a couple of deals with them. So that's number one. So that's the way to rule out that catastrophic, they're trying to scam you risk. Then there's the more likely, what if they just didn't do a good job of underwriting risk?   And so for that, would say for people that have very little knowledge of how the underwriting works and how the numbers work, it can be really difficult. And so what I like to do is, or what I recommend people do is sit down and ask to do a Zoom call for 15 minutes with the investor relations person and say, hey, will you kind of walk me through the high level underwriting? And at least force them to go through and then just ask questions.   Scott (39:30.958) when they say something, even if you have no idea what you're talking about and they say, well, it looks like we're gonna be able to reduce expenses by implementing a rub system, blah, blah, blah. Oh, okay, well, what is rubs and how does that work? And at least make them explain it to you. At least then you'll get an idea that they're not making it up as they're going along, or at least you'll get that confidence that it sounds like they know what they're talking about. But the biggest thing that I would say is that whole comps thing.   And this is a question that a lot of people don't like to ask. But I actually, and when people ask me this question, it always makes me nervous because it's the hardest part of the business, but it impresses me when people do. to the underwriting or the investor relations person, what are the comps that you used for your post renovation market rents? So again, the thing that drives values in multifamily is after the renovation is completed, in theory, you should be able to bring your rents up higher.   and your rents, those higher rents, you should be able to figure out what they are by looking at other units that have already been renovated and seeing what their rents are. So if I buy one, two, three Main Street, and I know I'm going to put $8 million into it, well, now that property is going to comp out to 678 Main Street. And well, what are the rents at 678 Main Street? And so by asking, hey, so you're buying one, two, three Main Street, what are the comps for the rents after you renovate?   and they tell you, it's going to be 678 Main Street and 123 Smith Street, whatever it is, you can then go look up those properties and say, okay, well, it looks like a two bedroom at those properties is renting for 1200. Now I go back to the investor relations person or whatever information they gave me I see, oh, okay, after renovation, they have their rents at 1200. Makes sense. If that's a reasonable comp, they now have the rents at kind of where they should be.   If he says that six, seven, eight main streets, a comp, and you go look in a two bedroom at six, seven, eight main streets, 1200, but their underwriting tells you that after they do the renovation, they're going to be charging 1500. Well, why are you now $300 above this property that you said was a comp? And so that to me is kind of the first thing that I look at or the biggest thing I look at is what are the comps that they're using and does just a kind of first pass.   Scott (41:57.762) jumping on apartments.com or calling the complex and asking them what different things rent for. Does that coincide with what they're telling you their post renovation rents are gonna   Yeah, I love that man. I mean, it's not as simple as just going into an old dilapidated apartment building and saying, I'm to put granite countertops and hardwood flooring and stainless steel appliances in there. And then I'm going to triple the rent or double the rent. It's not that easy. If it's not in the right area that could support those, those market rents or that have potential tenants that want those types of things, it doesn't work. So that's why that's so important to check those comps to see what's around those apartments that you're going to be investing in to see if, they can achieve those.   those proforma rents. All right, man, before we jump into the freedom four, what's one last gold nugget for our listeners?   Absolutely.   Scott (42:45.634) Yeah, so again, what I would tell people is figure out your highest and best use on your active side. And then for the passive side, figure out how you're gonna scale. And I know a lot of people like to invest in a whole lot of different things, but I'm a big fan of doing some work so that you don't have to diversify as much. Diversification is great, but diversification,   is for people who aren't really an expert in anything. If you want to get your best returns, the way to get your highest level of returns is not to have to diversify. And the best way not to have to diversify is to get knowledgeable about whatever you're investing in. So if you decide you wanna invest in all your syndications, just cause that's what you and I do. So it's an easy example. If you want to invest in syndications and that's how you wanna grow your nest egg, my recommendation is,   get as much information about syndications as you can. Pick up a good book on syndications. Go find somebody that does syndications and say, hey, I'd to pay you a thousand bucks for five hours of your time. Or you just to walk me through what a typical deal looks like or what the underwriting looks like. Or go sit in on a hundred multifamily syndication investor videos, presentations. So you can see all the different things they're talking about and become as much of an expert there as you can. So that way you're reducing your risk without having to do a lot of the.   diversification. So focus on whatever your highest and best use of time is on your active income and then become as knowledgeable as you can for whatever you're investing in passively. What I like to say on the passive side is it's not truly passive. Nothing's truly passive. But the best investments are the one where all the work is done upfront. You do your due diligence and then it becomes passive.   Yeah, that's awesome, man. And then what you can do though is diversify within that strategy, right? Absolutely. Yeah, different asset types can have different business strategy, value add, or maybe you're dealing with just a class A where you're chasing yield or across different cities, different geographies, or across different sponsorship teams. There's other ways to diversify within that same type of investment strategy. Yep. All right, man, let's jump into the Freedom 4.   Scott (45:05.598) It's time for the Freedom Four.   What's the best thing you do to keep your mind and body healthy?   So for me, it's admitting when I need a break. I know so many people that it's a badge of honor to work 80 hours a week, 52 weeks a year, never take a vacation. I'm just the opposite. If I wake up one morning and I'm tired and I don't feel like working and I don't feel like I'm gonna be productive, I will grab a book. I might even turn on the TV. I might say to my wife, hey, let's go to breakfast or let's go spend the day, let's go to a movie.   And I have no qualms with just saying, I need a break today. Today's not gonna be a productive day. I don't need to pretend to work just so I can have that badge of honor that I work hard. And so, yeah, and that's one of the nice things about real estate. mean, I don't have a hundred percent flexible work-life balance. I can't do anything I want any time I want, but if I wanna take a couple hours off, I normally can. And so I'm not scared to do that.   Yeah, yeah, that's a great answer. With all your success, what is one limiting belief that you've crushed along the way and how did you get past it?   Scott (46:15.734) Yeah, I still have a lot of them. I think we all do. But I'd say the biggest one is that doing a big deal is not that much harder than doing a little deal. I'm not going to say a hundred million dollar deal is just as easy as a hundred thousand dollar deal. But if you're smart enough to do a hundred thousand dollar deal, you're smart enough to do a hundred million dollar deal. And the people that are out there doing those hundred million dollar deals, mean, we have, we now have a hundred million dollars assets under management.   I remember a couple of years ago, looking at the people that had nine figures under management and thinking, they're different. I can't do that. These are people, went to some school that I will never go to, or they were born into something that I was never born into, or they know people I don't know, or whatever it is. No, they're normal people. And the only difference between them and me was I wasn't thinking big enough.   and I wasn't willing to take some risks and I wasn't willing to acknowledge the fact that doing again, a hundred million dollar deal is certainly within my capabilities. So that to me has been probably the biggest one and it's made it a lot easier for me now to say, okay, $50 million deal, let's go do it, not think twice.   Yeah. I had a similar experience working in, in, big law, doing house flips, doing single family rentals, things like that. And even though my clients are doing 50, a hundred million dollar deals and I'm helping them close those deals, it was just like the mindset shift that, a minute, I can do those deals too. I'm actually giving them advice on how to, how to do this thing. I need to step up my game and, and, take some.   Exactly, it's the difference between people doing a hundred million, a hundred thousand, it's all mindset.   Seth Bradley (48:00.866) Yep, absolutely. What's one actual step our listeners can do right now to start creating more freedom.   take action. So the biggest thing that I see stopping people is just this fear to take the first step. And I know this doesn't apply to a lot of your listeners, but I talked to a lot of people who want to get into house flipping or they want to get into rentals and they've been thinking about it for years and they just never take that first step and then they end up giving up. One of the the few truisms I see in this business   is that there are two types of people I meet. Number one, I meet people that have never done a deal. They've done zero deals. And maybe they're still working on it. Maybe they've given up whatever it is, but they've done zero deals. And then the other type of people I meet in this business are people that have done a lot of deals. They've done five or 10 or 20 or 50 deals. There's one type of person I never ever meet in this business. And that's somebody that's done one deal. Because if you get that one deal, you're gonna get the second and the third and the fifth and the tenth.   Nobody does one deal and then says, okay, that's it, I'm done. can't do this. So what I like to tell people is, and that applies to a lot of things in life. If you can get over the hump and do it once, you're gonna get that snowball effect and it gets easier the second time. It gets even easier the third, it gets even easier the hundred. So don't give up until you achieve that first step or that first iteration of whatever it is you wanna achieve because that's gonna get that snowball rolling.   Yeah. Yeah. We preach that on their show all the time. Just like, you know, just do a deal, just invest in a deal so you can get that experience and it'll just kind of open up your mind to other opportunities. You'll just see opportunity all around you. Once you just do one deal last but not least, how it's passive income made your life better.   Scott (49:51.886) Passive income has given me the ability and the confidence to raise a family. Before this, my biggest concern with raising a family was I didn't want to be, I had, my parents were great, but my parents were always working. And I didn't want to be the same type of father that my parents were. Again, they were fantastic, but I wanted to always be there. I wanted to be at every soccer game, every piano recital.   I wanted to be able to go into school for the parent-teacher conferences. so passive income has really given me the ability to build my life around my family as opposed to building my life around   Love that, love that. It's been fantastic, brother. We're gonna listen and find out more about you.   Yeah, anybody wants to get more info, go to www.connectwithjscott, just letter J, Scott, connectwithjscott.com, and that'll link you out to everything you might wanna find.   Awesome man. Talk soon.   Scott (50:54.945) Awesome. Thanks,   All right, Mr. Jay Scott from Master House Flipper to multifamily syndicator. He's a master of creating profitable, well-oiled business machines. I've been reading Jay's bigger pockets books for years and it's awesome to have the opportunity to have him on the show today. Major key, focus. Focus on transitioning your active income to passive income and don't get distracted. All right, if you're ready for a change, you're ready to take action.   partner with us on one of our next passive real estate deals. Go to passiveincomeattorney.com and join our Esquire Passive Investor Club. All right, kiddos, as always, enjoy the journey.   Thank you for listening to the Passive Income Attorney Podcast with Seth Bradley. Do you want more ideas on how to generate multiple streams of passive income? Then jump over to passiveincomeattorney.com for show notes and resources. Then apply for the private Facebook community by searching for the Passive Income Attorney on Facebook. And we'll see you on the next episode.   Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en J. Scott's Links: https://www.linkedin.com/in/jscottinvestor/ https://www.instagram.com/jscottinvestor/ https://x.com/jscottinvestor https://linktr.ee/jscottinvestor

Welcome to the Fore Golfers Network/Michigan Golf Live Podcast Ep 497 - The Story of Hanna Golf with Jared Doerfler We're talking with a most intersting and inspiring guest: Jared Doerfler, founder of Hanna Golf and creator of the widely followed Perfect Putt Newsletter. Jared's journey into the golf industry is anything but traditional. What began as a passion project while finishing his MBA—writing about golf trends, equipment, and business—has grown into the Perfect Putt Newsletter, with over 11,000 dedicated subscribers.  But Jared's entrepreneurial path didn't stop at newsletters. Inspired by his own putting struggles, he sketched out his vision for a better putter. Working with his brother-in-law on CAD designs and collaborating with friends to machine prototypes, he transformed that sketch into reality. The result: custom-engineered Hanna Golf putters, designed with unique features like a forward center of gravity, wide/deep milling for responsive feel, and high MOI for unmatched forgiveness. Today, Hanna Golf produces nearly 1,200 putters annually, with 70–80% of sales happening online. Remarkably, the company has sold nearly 800 putters in just over a year—without traditional marketing or outside investors. In this conversation, Bill and Jared dive into: The growth story of the Perfect Putt Newsletter The inspiration and innovation behind Hanna Golf putters How family values, customer feedback, and manufacturing precision guide Jared's decisions The challenges of balancing production capacity, innovation, and independence Why Jared is determined to keep Hanna Golf small, focused, and authentic If you're a golf enthusiast, entrepreneur, or simply someone who loves hearing how dreams turn into reality, this episode delivers both inspiration and insight. ---------------- Subscribe to the FGN Podcast Watch FGN videos on YouTube Check out our other sports pod: Church Pew Sports TEXT or CALL (989) 272-2383 to share your thoughts, comments, suggestions, and questions      

In this powerful episode of No Labels, No Limits, host Sarah Boxx sits down with Jevon Wooden — Bronze Star Medal recipient, Army veteran, award-winning author, dynamic speaker, and leadership coach.Jevon's journey is nothing short of extraordinary. From facing prison time at 17 to becoming a decorated U.S. Army officer and the CEO of BrightMind Consulting Group, Jevon's story is one of resilience, radical transformation, and purpose-driven leadership.Today, he shares actionable insights on how high-achieving leaders can shift their mindset, embrace emotional intelligence, and build values-driven workplace cultures. Drawing from his books Own Your Kingdom and his latest release, From Functional to Phenomenal, Jevon empowers leaders to rediscover their purpose, design their lives with intention, and create meaningful impact.What You'll Learn in This Episode:How journaling sparked Jevon's love for writing and coaching.The mindset shifts that transformed his life and leadership journey.Why emotional intelligence is key to authentic leadership.His vision for digital entrepreneurship as a path to alleviate poverty in underserved communities.How leaders can sustain clarity and energy while serving at the highest level.If you're ready to break through limiting beliefs, lead with authenticity, and elevate your impact, this episode will inspire you to move from functional to phenomenal.Connect with Jevon Wooden:Jevon Wooden - Top leadership and business growth speaker and coach for business leaders and entrepreneurs.brightmindconsultinggroup.comBooks: Own Your Kingdom | From Functional to PhenomenalLinkedIn: (10) Jevon Wooden, MS, MBA, ACC

What happens when an architect's skillset is applied not just to buildings, but to the complex systems that shape our cities, policies, and climate? This week, Evelyn is joined by co-host Larry Fabbroni and his longtime friend and Carnegie Mellon classmate, Mark Chambers, an environmental policy leader and architect who has taken his training from design studios to city halls and the White House.This rich conversation explores Mark's remarkable career arc, from practicing architect to the Sustainability Director for Washington D.C. and New York City, and later, the first Senior Director for Building Emissions and Community Resilience in the Biden White House. Mark explains how he views his architectural training as the discipline of a "three-dimensional problem solver," a skill that allows him to deconstruct and reassemble complex policy challenges just as he would a building. He argues that this skillset is a strategic advantage, especially in interdisciplinary rooms where the architectural perspective is unique and highly valued.The discussion goes beyond resumes to tackle the big questions facing the profession and society. When asked how architects can secure more value for their work, Mark challenges the premise of fighting for a bigger piece of the existing pie."I'm questioning the whole pie. I'm questioning the way in which the pie was set up. It's like, I don't want a bigger slice. I want a different pie." - Mark ChambersThis episode concludes with a masterclass in optimistic disruption, as Mark advocates for a fundamental reimagining of the architect's role - from a service provider to an owner, a caretaker, and a shaper of systems. He offers advice for professionals at any stage on how to build a personal narrative, take calculated chances, find their audience, and use their unique skills to drive collective action and build the future they want to see.GuestMark Chambers is an architect, environmental policy leader, and social impact designer focused on the intersection of climate action, community, and the built environment. His career has been dedicated to public service, having served as the Director of Sustainability for both New York City and Washington D.C., and as the Senior Director for Building Emissions and Community Resilience for the White House Council on Environmental Quality. A graduate of Carnegie Mellon University, Mark uses his architectural training to solve complex systemic problems and advocate for a more sustainable and equitable future.Larry Fabbroni is an architect with over two decades in practice. He formerly led master planning projects at Ehrenkrantz Eckstut & Kuhn Architects and Strada Architecture, working on some of the largest development projects in the U.S. Today, he serves as a consultant specializing in strategic pre-development services and as CIO for the Practice of Architecture. Larry earned his MBA from the University of Chicago Booth School of Business, where he focused on entrepreneurship and strategy.Is This Episode for You?This episode is for you if:✅ You are curious about career paths for architects in public policy, climate action, and government. ✅ You want to understand how an architectural skillset can be a strategic advantage in non-traditional roles. ✅ You feel frustrated by the existing systems and are looking for inspiration to challenge the status quo. ✅ You are seeking an optimistic framework for staying hopeful and effective in a time of uncertainty. ✅ You want advice on how to build a career narrative, take chances, and find your voice to make an impact.

Ela aprendeu a nadar ainda bebê e, dos nove aos dezenove anos, dedicou-se à natação competitiva, passando também pelo polo aquático, experiências que construíram a base que sustentaria sua trajetória. Ao mesmo tempo, cultivava uma curiosidade quase enciclopédica pelos esportes em geral, acompanhando resultados e estatísticas. Enquanto avançava nos estudos de Engenharia Civil, o ritmo intenso entre faculdade e trabalho em uma construtora a afastou momentaneamente das piscinas. Um episódio de estresse, porém, a levou de volta à atividade física, primeiro pela corrida e em seguida pelo ciclismo. Pouco tempo mais tarde, já disputava um triathlon sprint. O passo seguinte foi natural: em 2005 estreou no triathlon e, em 2006, brilhou ao conquistar o título mundial amador do Ironman 70.3 em sua faixa etária, resultado que despertou nela a vontade antiga de se tornar atleta profissional. Super dedicada, sua progressão foi consistente e rápida. Tornou-se tricampeã brasileira de longa distância, conquistou um top 10 no Mundial de Longa Distância de 2008 e a 5ª colocação no Ironman Brasil 2009. Ainda foi eleita atleta revelação e melhor triatleta de longa distância do país. Sua carreira, no entanto, sofreu uma reviravolta quando um grave acidente de bicicleta a afastou das competições por meses. Entre a reabilitação e a reconstrução, encontrou espaço para uma nova vertente: a comunicação. Atuou como colunista esportiva, comentarista, repórter e produtora de triathlon. O retorno às competições trouxe novas conquistas, mas também abriu portas para o empreendedorismo. Em um período em que se afastou do esporte, desta vez para realizar duas cirurgias, cofundou uma agência de marketing esportivo que desenvolveu projetos inovadores, entre eles a famosa Casa do Brasil em Kona. Nos últimos anos, ampliou ainda mais sua participação no ciclismo, em provas de estrada e de gravel, acumulando pódios em diversos eventos, ao mesmo tempo em que deu os primeiros passos como comentarista de ciclismo na ESPN e passou a integrar a equipe do podcast Gregário Cycling. Projetos autorais em redes sociais, como resumos de provas e coberturas dos Jogos Olímpicos de Tóquio e Paris, ampliaram seu alcance e deram uma nova voz ao esporte olímpico brasileiro. Conosco de volta, a engenheira com MBA internacional em Gerenciamento de Projetos, educadora física, ex-triatleta profissional que se tornou ciclista, comunicadora, fundadora da Flows Sports Marketing, podcaster, comentarista e narradora esportiva que se transformou na voz do ciclismo feminino no Brasil, a goianense Ana Lídia dos Santos Borba. Inspire-se! Um oferecimento @oakleybr e @2peaksbikes A 2 Peaks Bikes é a importadora e distribuidora oficial no Brasil da Factor Bikes, Santa Cruz Bikes e de diversas outras marcas e conta com três lojas: Rio de Janeiro, São Paulo e Los Angeles. Lá, ninguém vende o que não conhece: todo produto é testado por quem realmente pedala.  A 2 Peaks Bikes foi pensada e criada para resolver os desafios de quem leva o pedal a sério — seja no asfalto, na terra ou na trilha. Mas também acolhe o ciclista urbano, o iniciante e até a criança que está começando a brincar de pedalar. Para a 2 Peaks, todo ciclista é bem-vindo.  Eu convido você a conhecer a 2 Peaks Bikes, distribuidora oficial da Factor e Santa Cruz Bikes no Brasil. @2peaksbikesla SIGA e COMPARTILHE o Endörfina através do seu app preferido de podcasts. Contribua também com este projeto através do Apoia.se.        

In this episode, Ashley Hilliard, MBA, MSN, RN, CPAN, Administrator of Piedmont Outpatient Surgery Center, shares insights on new ASC procedure codes, reimbursement challenges, and the impact of North Carolina's changing certificate of need laws on future growth.

In this episode, Ashley Hilliard, MBA, MSN, RN, CPAN, Administrator of Piedmont Outpatient Surgery Center, shares insights on new ASC procedure codes, reimbursement challenges, and the impact of North Carolina's changing certificate of need laws on future growth.

In this episode of Manufacturing Hub Podcast, hosts Vladimir Romanov and Dave Griffith sit down with Gavin Dilworth to explore the evolving world of ICS and OT cybersecurity. This is a topic that impacts every sector of manufacturing and critical infrastructure, yet many organizations still struggle with where to start, how to assess risk, and how to balance IT and OT responsibilities.Gavin brings decades of experience in automation engineering and cybersecurity, having worked across energy, oil and gas, water, and manufacturing. He shares his unique journey from being an operator and control systems engineer to becoming a specialist in OT cybersecurity. The conversation spans a wide range of issues, from asset inventory and managed switches to people, process, and technology frameworks that help organizations take the first step toward maturity.We discuss why IT and OT teams often clash and what it takes to bridge the gap. Gavin explains the realities of budgets, the challenges of compliance, and why self-reporting frameworks often fail to reflect true maturity. He also highlights the role of legislation in Europe, rising insurance premiums, and how cybersecurity assessments can influence financial and strategic decisions at the executive level.The episode provides clear insights into best practices such as building a proper asset inventory, structuring security awareness training for OT teams, and applying a risk-based approach to patch management. Gavin also outlines the importance of functional safety, process hazard analysis, and the role of frameworks like ISA/IEC 62443. For engineers, leaders, and decision makers, this conversation makes it clear that cybersecurity is not just a technology problem but a people and process challenge that requires long term discipline and investment.If you want to understand what real world OT cybersecurity looks like, what mistakes to avoid, and how to set a path toward resilience, this episode is packed with valuable takeaways.Timestamps 00:00 Introduction and upcoming ICC event 02:20 Gavin's career journey from operator to cybersecurity expert 06:00 What ICS and OT cybersecurity really mean 09:00 Managed switches, firewalls, and securing industrial devices 11:00 The importance of people, process, and technology in security programs 13:30 Asset inventories and the first practical steps in cybersecurity 17:00 Insurance, legislation, and financial implications of OT risk 23:00 The problem with self reporting and maturity frameworks 27:00 Risk based patching strategies and CVE management 31:00 Physical keys, tokens, and access control challenges 37:00 IT versus OT ownership of cybersecurity 45:00 Certifications, training, and resources for professionals 53:00 Unified Namespace and cybersecurity considerations 58:00 Predictions for the next five years in OT cybersecurity 01:02:00 Career advice for engineers and cybersecurity professionalsReferences mentioned in this episode Industrial Network Security, Eric D. Knapp (Third Edition): https://www.isa.org/products/industrial-network-security-third-edition Security PHA Review: https://www.isa.org/products/security-pha-review-for-consequence-based-cyberse Managing Cybersecurity in the Process Industries, ISA: https://www.isa.org/products/managing-cybersecurity-in-the-process-indust Industrial Cybersecurity: Efficiently secure critical infrastructure systems, Steve Mustard: https://www.isa.org/products/industrial-cybersecurity-efficiently-secure-criti Assessment Plus: https://assessmentplus.co.nz Ignition 8.3 by Inductive Automation: https://inductiveautomation.comAbout the hosts Vladimir Romanov is an electrical engineer and MBA with over a decade of experience in manufacturing and industrial automation. He has worked with Procter and Gamble, Kraft Heinz, Post Holdings, and now leads Joltek, a consulting and integration firm focused on digital transformation and modern manufacturing systems.Dave Griffith is an experienced systems integrator, consultant, and advisor in the industrial automation space. He has worked with manufacturers across multiple sectors, helping organizations align technology with business strategy.About the guest Gavin Dilworth is the founder of Assessment Plus, based in New Zealand. With a background spanning automation, controls, and cybersecurity, he helps organizations design architectures, implement policies, and build resilience in OT environments. He also mentors professionals looking to enter or advance in the ICS cybersecurity field. Connect with him here: https://www.linkedin.com/in/gavin-dilworth/

The world doesn't move in straight lines. Headlines whiplash from inflation scares to rate cuts, tech booms to banking jitters, and back again before lunch. In that kind of turbulence, relying solely on the classic 60/40 mix can feel like sailing with a single sail in shifting winds. Alternative investing—owning assets beyond public stocks and bonds—adds more tools to the kit: private credit that pays you to wait, real assets that rise with the cost of living, uncorrelated strategies that don't flinch every time the S&P sneezes.Patrick Grimes, founder and CEO of Passive Investing Mastery, an internationally bestselling author, and a Forbes Council contributor, is a serial entrepreneur specializing in alternative investments. His portfolio is diversified across energy, litigation finance, commercial lending and acquisitions, including retail, industrial, and thousands of apartment units. Patrick has developed a range of diversified passive investments focused on growth and cash flow, including the Diversified Litigation Portfolio, Acquisitions Fund, and Income Fund, all designed to thrive during economic downturns.Formerly a robotics and automation engineer, Patrick holds a BS and MS in Engineering and an MBA. Based in Honolulu, Hawaii, he is dedicated to educating investors on achieving financial independence through mastery in passive alternative investing.Contact Details:Email: patrick@passiveinvestingmastery.com Website: www.passiveinvestingmastery.com Socials:LinkedIn: https://www.linkedin.com/in/patricksgrimes/ https://www.linkedin.com/company/passiveinvestingmastery/ Facebook: https://www.facebook.com/PassiveInvestingMastery Media Samples: ● Financial Freedom with Real Estate Investing ● The Art of Passive Income ● The Wealth FlowFREE GIFT: PassiveInvestingMastery.com/bookRemember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.  Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services. 

Business Success in Times of Uncertainty is covered in this video, along with the following:- POWER Conference July 2025 Review- POWER Conference July 2025 Highlights Reaction- Small Continuation of the POWER Conference Theme***************************************Join me and a lineup of special guests for an insightful livestream as we unpack key lessons from the 2025 Small Business Pro POWER Conference, the premier event for entrepreneurs and business leaders aiming to thrive amid today's challenges.In this exclusive session, we'll revisit conference highlights, break down actionable strategies for navigating uncertainty, and share powerful stories from top keynote speakers, panelists, and entrepreneurs. From securing financing to maximizing profitability, scaling your business, and building resilient networks, gain practical advice to help you succeed, regardless of the business climate.Andrew Frazier, MBA, CFA, “The Masterpreneur™” founded the Small Business Pro University to help business owners Sell More, Maximize Profit, and Finance GROWTH faster and easier. He is an expert business advisor providing invaluable coaching, consulting, and training services, empowering entrepreneurs to have greater knowledge and enhanced skills, helping them Work ON their businesses and SCALE. Over the past 15 years, he has worked 1-on-1 with 1,000+ business owners and taught tens of thousands of people about business. Mr. Frazier's experience includes serving as a Navy Supply Corps Officer, operations manager, corporate executive, Chief Operating Officer, organizational leader, Board Member, adjunct professor, investor, and serial entrepreneur. His educational background includes graduating from MIT with a degree in Mechanical Engineering, earning an MBA from NYU, and achieving the Chartered Financial Analyst (CFA) designation.

Let's flash forward into the future 3 years.     You're applying for a job and you're going up against someone with an MBA.  That person is well-qualified and is probably the more attractive candidate for the job.    Let's say you have an Associates degree, but you happened to learn A.I. along the way.     You've implemented it in every single job you've had over the last 3 years.    When it comes time to getting an offer letter, if the person with the MBA hasn't mastered A.I., they're not going to land that job over you.    That's the good news.    Keep in mind, companies like Sony are not going to come here and invest tons of money and ignore cheap labor.     Sure, they'll be here for a season, but the United States is not going to pay the high wages commanded by the American workforce, especially when there are ways to scale a company by simply using A.I.    There will be no unions to pay, 401K, retirement, etc.    It's not a viable proposition.    I say that to say this............   A couple of years ago, I had close to 100 employees.    Today, I have 30, thanks to A.I.    Each one of them knows how to leverage A.I.   They are agents of A.I. and this is what future employers will be in search of.    So, if you're thinking about what you should be focused on now..............it's becoming an agent of A.I.      About the ReWire Podcast The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at https://www.jointheapex.com/   Rise Above

Welcome to the SYNC Your Life podcast episode #335! On this podcast, we will be diving into all things women's hormones to help you learn how to live in alignment with your female physiology. Too many women are living with their check engine lights flashing. You know you feel “off” but no matter what you do, you can't seem to have the energy, or lose the weight, or feel your best. This podcast exists to shed light on the important topic of healthy hormones and cycle syncing, to help you gain maximum energy in your life.  In today's episode, I interview the author of the new book, "Stress Nation," Justin Hai.  Justin is the co-founder of several award-winning wellness companies, including Alastin Skincare (acquired by Galderma), GLO Pharmaceuticals, and Rebalance Health. With a background in industrial design (RISD) and an MBA from Pepperdine, Justin blends creative vision with real science—holding multiple U.S. patents and has presented to NASA and the Pentagon. He is a featured expert in the upcoming Amazon Prime documentary sHEALed and a passionate advocate for redefining wellness through the lens of hormonal balance, sleep science, and stress mastery. In STRESS Nation, Justin explores how our tech-obsessed culture is disrupting cortisol—the “Master Hormone”—and leaving us sleepless, anxious, and hormonally imbalanced. With humor, science, and cultural insight, he unpacks how devices meant to improve our lives are actually rewiring our biology, especially for overlooked groups like menopausal women. This mission became personal when his wife Jojo was diagnosed with Cushing's syndrome, launching Justin into deeper research on cortisol's role in daily health. Justin offers not only an urgent wake-up call but also actionable strategies to reclaim calm, restore hormonal balance, and improve sleep in a world addicted to constant input. His story is ideal for shows exploring health, tech culture, performance, or the mind-body connection. You can find Justin here: Rebalance Instagram: https://www.instagram.com/rebalancehealth/ (22k Followers) Justin Instagrarm: https://www.instagram.com/justin_a_hai/ (1.2k Followers) Justin LinkedIn: https://www.linkedin.com/in/justinhai/ (1.8k Followers) Facebook: https://www.facebook.com/rebalancehealthofficial/ (5.3k Followers) TikTok: https://www.tiktok.com/@rebalancehealth His book, Stress Nation, can be found on Amazon here. To learn more about the SYNC™ course and fitness program, click here. To listen to the podcast on fed vs. fasted workouts, click here. To learn more about virtual consults with our resident hormone health doctor, click here. If you feel like something is “off” with your hormones, check out the FREE hormone imbalance quiz at sync.jennyswisher.com.  To learn more about Hugh & Grace and my favorite 3rd party tested endocrine disruption free products, including skin care, home care, and detox support, click here. To learn more about the SYNC and Hugh & Grace dual income opportunity, click here. Let's be friends outside of the podcast! Send me a message or schedule a call so I can get to know you better. You can reach out at https://jennyswisher.com/contact-2/. Enjoy the show! Episode Webpage: jennyswisher.com/podcast

I'm back with a conversation that connects dots I never saw coming! Robin Johnson brings the ultimate career combo - fraud prevention expert AND positive psychology guru.We dive into why that perfectly nice Karen from accounting suddenly "borrows" $250K, how toxic workplace culture practically invites fraud, and my favorite revelation: positive psychology might prevent fraud better than another policy manual (sorry, corporate writers!).Robin's journey from MBA to Safe Checks fraud specialist to positive psychology master's degree holder gives her unique insight into the human side of fraud. If you've wondered why your fancy controls still don't stop determined fraudsters, this episode has your answer: better humans, healthier workplaces!Connect with Robin:LinkedIn: https://www.linkedin.com/in/robinlitsterjohnson/Website: https://www.robinlearningsystems.com/Mentioned in this episode:Safe Checks: https://www.safechecks.com/Book: Positive Leadership by Kim Cameron: https://www.amazon.com/Positive-Leadership-Strategies-Extraordinary-Performance/dp/1609945662/Rocky Flats National Wildlife Refuge: https://en.wikipedia.org/wiki/Rocky_Flats_National_Wildlife_RefugeTED Talk: "Forget the pecking order at work" by Margaret Heffernan: https://www.ted.com/talks/margaret_heffernan_forget_the_pecking_order_at_work

At 30, Jay Peir stepped into the CFO role at SunPower, a high-efficiency solar cell manufacturer. The appointment came after leading M&A and venture investments at Cypress Semiconductor, where SunPower was the largest portfolio company. “I had my first CFO experience at the age of 30,” Peir tells us, recalling how corporate development responsibilities opened the door to finance leadership.That early leap reflected a broader pattern in his career: moving fluidly between finance and strategy. With dual engineering degrees from Stanford, Peir began in economic consulting before earning his MBA amid the rise and fall of the dot-com era. His background in technology and data analysis, he tells us, formed “my first chapter” and prepared him for navigating growth in fast-moving sectors.A decade at Tableau deepened those lessons. When revenue slowed and the company's stock “dropped about 50% in one day,” Peir was tasked with helping lead a shift to subscription. He emphasizes that success required aligning stakeholders across sales, marketing, and finance, ensuring teams could both understand and articulate changes to customers. “There's both internal and external change management,” he tells us, noting the importance of investor communication as well.Today, as Head of Strategy at Pigment, CFO Peir applies these experiences to scaling an AI-native planning platform. Pigment's tools unify financial and operational planning, enabling companies to act on data with speed and flexibility. The company's AI roadmap includes predictive analytics and autonomous agents, helping finance teams drive variance analysis, expense tracking, and forecasting more efficiently, Peir tells us.

Back-to-school season is the perfect time for a financial reset. In this episode, Miguel Gonzalez, CRC, shares smart budgeting moves to clean up summer spending, plan for fall costs, and finish the year strong.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 #backtoschool #fallbudget #familyfinances #budgetreset #financialplanning #retirementplanning #personalfinance #moneytips #spendingcheckup #autumnbudgeting #backtoschoolspending #financialgoals #budgetingtips #financialliteracy #CortburgSpeaksRetirement #MiguelXGonzalez #fallreset #subscriptions #holidayspendingWelcome 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

In this episode of the Braun Performance & Rehab Podcast, Dan is joined by Megan Mckay to discuss her current experiences and life in D1 ice hockey.Megan McKay is a senior at Clarkson University, where she competes at the NCAA Division I level in women's ice hockey. Originally from Zionsville, Indiana, Megan grew up in a family of four siblings and developed an early passion for sport, competition, and pushing her limits. On the ice, she's known for her physical, enforcer-style presence and relentless commitment to training, recovery, and skill development. Off the ice, Megan is just as driven, balancing her academic pursuits as an MBA student with her athletic career. She embraces a holistic approach to performance, focusing on nutrition, mobility, and mental skills as keys to sustaining excellence. With aspirations to compete in the Professional Women's Hockey League (PWHL), Megan represents the next generation of athletes shaping the future of women's hockey. She's passionate about personal growth, enjoying the process, and finding fun in the grind, all while inspiring others to listen to their bodies, embrace resilience, and stay true to who they are.For more on Megan be sure to follow @meganmmckay*SEASON 6 of the Braun Performance & Rehab Podcast is brought to you by Isophit. For more on Isophit, please check out isophit.com and @isophit -BE SURE to use coupon code BraunPR25% to save 25% on your Isophit order!**Season 6 of the Braun Performance & Rehab Podcast is also brought to you by Firefly Recovery, the official recovery provider for Braun Performance & Rehab. For more on Firefly, please check out https://www.recoveryfirefly.com/ or email jake@recoveryfirefly.com***This episode is also powered by Dr. Ray Gorman, founder of Engage Movement. Learn how to boost your income without relying on sessions. Get a free training on the blended practice model by following @raygormandpt on Instagram. DM my name “Dan” to @raygormandpt on Instagram and receive your free breakdown on the model.Episode Affiliates:MoboBoard: BRAWNBODY10 saves 10% at checkout!AliRx: DBraunRx = 20% off at checkout! https://alirx.health/MedBridge: https://www.medbridgeeducation.com/brawn-body-training or Coupon Code "BRAWN" for 40% off your annual subscription!CTM Band: https://ctm.band/collections/ctm-band coupon code "BRAWN10" = 10% off!Ice shaker affiliate link: https://www.iceshaker.com?sca_ref=1520881.zOJLysQzKeMake sure you SHARE this episode with a friend who could benefit from the information we shared!Check out everything Dan is up to by clicking here: https://linktr.ee/braun_prLiked this episode? Leave a 5-star review on your favorite podcast platform

What really gets you promoted and what keeps you stuck? Daniel's OUT, Tamara's IN. She's joined by Maya Grossman, ex-Google and Microsoft turned CEO and career coach. From the “mid-management loop” to the myths about MBAs and hard work, Maya shares the lessons she learned after 17 promotion rejections on her way to VP. So what actually gets you promoted? Together, Tamara and Maya dig into the real drivers of career growth: shifting from execution to strategy, learning how to say no without guilt, and developing the kind of executive presence that makes leaders see you as ready for more. If you've ever felt like you're doing everything right but still not moving up, this episode will change how you think about advancement. It's not about working harder, it's about working differently. Follow Maya: LinkedIn: https://www.linkedin.com/in/mayagrossman/ Follow Tamara: LinkedIn: https://www.linkedin.com/in/tamaragrominsky/ Sign up for The Marketing Millennials newsletter: www.workweek.com/brand/the-marketing-millennials Daniel is a Workweek friend, working to produce amazing podcasts. To find out more, visit: www.workweek.com

After many successful years as a mechanical engineer for Baker Hughes, Sujeev Chittipolu '21 thought it was time to invest in his leadership potential. That led him to Rice Business.   As part of Rice's Professional MBA program, Sujeev formed invaluable connections through programs like CoachRICE and even joined the board of one of his classmate's nonprofits — Amel Association Houston. Through Amel, Sujeev is taking what he learned at Rice Business and building leadership coaching programs for underserved youth in Houston, particularly in refugee communities. In this episode, Sujeev chats with co-host Maya Pomroy '22 about his 16 years at Baker Hughes, how growing up in an entrepreneurial family shaped him, his work with Amel to give back to the community, and how the Rice MBA helped him put the final pieces together in his career. Episode Guide:01:30 Early Career and Education02:14 Journey at Baker Hughes05:37 Pursuing an MBA at Rice09:51 Giving Back Through AMEL15:19 Balancing Career and Personal Life16:00 Advice for Aspiring MBA Students16:43 Impact of Rice MBA on Career22:23 Staying Connected with Rice24:53 Future Aspirations and Final ThoughtsOwl Have You Know is a production of Rice Business and is produced by University FM.Episode Quotes:How coaching transforms a student's confidence and future12:36: I would say one student named Musafa. He was initially not a student. He was active doing his things, but he was not very verbal in the class, right? [13:41] So as he worked with a coach, what we've seen was he could explore his inhibitions, he could set his goals, understand what were some of the drivers that were inhibiting his potential. And we've seen a clear change. He was about to quit high school. Yes, and working with the coach, it changed. He was over the process of a year, right? Two semesters, he became more verbal. He was confident in himself. He could understand what he wanted in life. He could realize, okay, I have a goal in career, and then okay, I can work towards it. So I think that one story kind of inspired more of us to come back and give. And it's just like we've seen many of those, Maya, over the last three-plus years working with HISD.Shaping mindset and leadership through the Rice MBA16:19: [Maya]: So thinking back on before Rice and after Rice, what were some of the ways that your mindset has really changed because of the MBA that you worked for?16:32: [Sujeev Chittipolu]: So many ways. I think the way I look at problems and the way I look at challenges is very different now. I'm kind of more holistic in approach. I challenge myself much more based on the lessons I've learned during Rice, and even the leadership piece, right? Leadership not just at work, but I think leadership goes all the way — starts from home, through the community, at work. So you set an example for yourself. You set an example for your family members, so you're learning always, trying to grow. So I think Rice has influenced me personally, professionally, and I think I keep continuing to reap rewards as I grow personally as well as professionally.On the hard work of growth and the rewards of giving back15:38: There is no easy way or there's no shotguns in growth or in career. You have to differentiate yourself. You have to work hard to one, grow yourself and be able to give back. I think both of these. If you are passionate, if you want to grow, it's not easy, but the journey might be tough, but the efforts are always rewarding, right? Giving back, you can see one story that is shared. It changes your perspective on life. It gives you things that show how grateful you are to be able to give back. So, take the leap forward. I think you always find time. There are weekends that you can stretch. There are days you know you need like one or two hours a day that you can stretch and always be able to give back. So yeah, I think take the leap forward, and it will be worthwhile.Show Links: TranscriptGuest Profiles:Sujeev Chittipolu | LinkedInBoard Profile | AMEL Association Houston

To the Point co-hosts Jackie Garlich, OD, FAAO, and Jessilin Quint, OD, MS, MBA, FAAO, sit down with Jason Besecker, OD, MS, to get his perspective on opening a dry eye only clinic. Dr. Besecker shares how he became interested in treating dry eye patients exclusively, growing his referral base after opening his practice, maintaining profitability without an optical shop, technology and diagnostics he has incorporated over the years, and more.

Every minute counts in medicine—so why waste it on clunky admin work? With Ryze Health, practice management becomes effortless. Our all-in-one platform streamlines scheduling, patient communications, and insurance verification, giving you fewer no-shows, faster check-ins, and happier patients. Free yourself from paperwork and phone tag so you can focus on what truly matters: providing care.  Visit http://ryzehealth.com/BootstrapMD  today and see how simple running your practice can be. —————— What does it take for a geriatrician to become a healthcare innovator impacting millions?  In this episode, Dr. Mike Woo-Ming sits down with Dr. Michael Fang to share his journey from practicing medicine to co-founding Base10, an infection control software that saved lives in 150 nursing homes during the COVID pandemic, generating over $35M before its acquisition. He also co-founded Inosphere, impacting 7M mental health patients in the UK, Ireland, and Scotland. Now, as Chief Strategy Officer at Northwestern's Feinberg School of Medicine and CEO of Rise Health, Dr. Fang is redefining health insurance for independent physicians and medical practices. He discusses leveraging physician skills for entrepreneurship, the unmet need for affordable health plans, and the power of community through WeCare IPA. This episode is packed with insights for physicians looking to break free from traditional practice and create scalable impact. Three Actionable Takeaways: Leverage Your Physician Skills for Entrepreneurship – Apply your ability to process information, communicate effectively, and make quick decisions to entrepreneurial ventures. Start small, using your clinical income to fund initial projects, and don't wait for an MBA to jump in. Explore Health Plan Solutions for Independence – If you're an independent physician or running a small practice, investigate Rise Health's health captive model to reduce insurance costs for you, your staff, and their families, removing barriers to starting your own practice. Join a Supportive Community – Engage with communities like WeCare IPA to access benefits like discounted specialty medications for your patients, even if you don't need Rise Health's insurance, to enhance your practice's efficiency and impact. About the Show: Bootstrap MD is the ultimate podcast for physician entrepreneurs looking to escape traditional healthcare and control their financial futures. Hosted by Dr. Mike Woo-Ming, a successful physician, entrepreneur, and investor, the show delivers actionable insights on starting businesses, creating passive income, and navigating healthcare entrepreneurship. Featuring interviews with industry leaders, physicians, and experts in telemedicine and digital health, it's your guide to building a profitable, fulfilling career.  Tune in weekly at  http://bootstrapmd.com  About the Guest Dr. Michael Fang is a geriatrician, internist, and serial entrepreneur with a passion for democratizing healthcare. As co-founder and CEO of Base10, he developed infection control software used by 150 nursing homes during the COVID pandemic, generating $35M in revenue before its acquisition. He co-founded Inosphere, addressing social determinants of health for 7M mental health patients in the UK, Ireland, and Scotland. Currently, Dr. Fang serves as Chief Strategy Officer at Northwestern's Feinberg School of Medicine Institute of AI in Medicine and leads Rise Health, a health plan for independent physicians. His expertise lies in healthcare innovation, informatics, and creating scalable solutions for systemic challenges. LinkedIn: linkedin.com/in/michael-fang-md-382b2341  Website: base10genetics.com About the Host:  Dr. Mike Woo-Ming has over 20 years of experience as a physician entrepreneur. He's built and sold multiple seven-figure companies and now leads Executive Medical, a group of clinics specializing in age management and aesthetics. Through BootstrapMD, he mentors physicians in business, content creation, and autonomy. Let's Connect: www.https://www.bootstrapmd.com   Want to start a podcast? Check out the Doctor Podcast Network!  

In this final episode of the mindful leadership series, Tracy Cherpeski explores how internal work creates expanding ripples of success. Following up with Dr. Sarah and Dr. Marcus years after their initial work, we see how their practices have become magnetic centers that naturally attract resources, talent, and opportunities. This episode reveals the five ripple zones that create sustainable competitive advantage and shows how mindful leadership becomes a powerful business strategy.  Key Highlights  How Dr. Sarah now takes three-week unplugged vacations while her team runs seamlessly  Marcus's referral systems that are "crushing it" while he focuses on strategic growth  The five ripple zones that create magnetic pull in healthcare practices  Why pushing for success creates resistance while magnetic leadership creates flow  How internal work compounds into external competitive advantages over time  Memorable Quotes  "The most profitable practices aren't just well-run businesses – they're energy centers that attract everything they need to thrive."  "When you're pushing, you're working against resistance. When you're magnetic, resources flow toward you effortlessly."  "Your mindful leadership isn't just personal development; it's business strategy."  "The question isn't whether you're capable of this level of success – the question is whether you're ready to begin."  This episode demonstrates that sustainable practice success flows from the inside out, showing how two different practitioners used the same framework to create practices that continue thriving and expanding their influence years later.  Tracy's Bio:  Tracy Cherpeski, MBA, MA, CPSC (she/her/hers) is the Founder of Tracy Cherpeski International and Thriving Practice Community. As a Business Consultant and Executive Coach, Tracy helps healthcare practice owners scale their businesses without sacrificing wellbeing. Through strategic planning, leadership development, and mindset mastery, she empowers clients to reclaim their time and reach their potential. Based in Chapel Hill, NC, Tracy serves clients worldwide and is the Executive Producer and Host of the Thriving Practice podcast. Her guiding philosophy: Survival is not enough; life is meant to be celebrated.  See Where Your Practice Stands: Take our Practice Growth Readiness Assessment  Connect With Us:  Be a Guest on the Show  Thriving Practice Community  Schedule Strategy Session with Tracy  Tracy's LinkedIn  Business LinkedIn Page  

After 50 conversations with Ampersands, host Jessica Wan sits down to answer one big question:Why do we keep doing what we do?It's not easy to juggle multiple careers, identities, or passions. In this solo episode, we synthesize what we've learned from leaders, artists, entrepreneurs, and creators who make their mark in multiple fields.Along the way, you'll hear anecdotes from past guests like Rich Lyons (Chancellor of UC Berkeley & Musician), Christina Wallace (Storyteller & Entrepreneur), and Craig Perry (Recovery Advocate, Guitarist & Firefighter).Whether you call yourself a multi-hyphenate, a slashie, or an Ampersand, this episode will help you reconnect with the deeper reasons behind why you keep going.We want to hear from you! Here's the prompt: What's your Ampersand, and why do you keep going? Leave us a voicemail at theampersandmanifesto.com/voicemail or email us at j@jessicawan.com.~Come hear Jessica sing, live in Berkeley on Sunday October 5th, 2025 at 4pm. RSVP here~Join us for The Ampersand Summit live event in San Francisco on Sunday, October 19th, 2025 from 3-6:30pm at the SF Community Music Center: Register here This in-person event will bring together people who straddle multiple worlds to meet each other, share what we're working on, and talk openly about what it's like to lead a multi-passionate life.~Are you a high achiever, a leader, or an Ampersand looking for a sounding board? Jessica helps executives, leaders, and founders like you gain clarity and lead bravely. As your trusted advisor and growth partner, she works with you to make the invisible visible and develop an action plan to fulfill your goals. For nearly two decades, Jessica led marketing teams, launched products, and grew businesses at places like Apple, the San Francisco Opera, Smule, and Magoosh. As an Ampersand in many facets, she knows personally what it's like to hold many roles simultaneously, to sit on the executive team, and to find fulfillment. With a BA in Music and a BS in Product Design from Stanford, coupled with an MBA from UC Berkeley and coach training from the Center for Executive Coaching, her unique mix of analytical & creative allows her to bring both depth and breadth of perspective into the coaching process.As a coach, Jessica works to champion you – the full, multifaceted you – so you can thrive.Visit ⁠jessicawan.com⁠ or BOOK AN INTRO CALL: ⁠https://calendly.com/jessicawancoaching/intro-call-coaching⁠CreditsProduced and Hosted by ⁠Jessica Wan⁠Co-produced, edited, sound design, and original music by ⁠Carlos SchmittWant to support this show in a small way? Rate and review it at theampersandmanifesto.com, or buy me a coffee: ⁠coff.ee/jessicawan⁠

Andrew Jedlicka is the Founder of The Andrew Frank Group, LLC, in which he has been a booking agent and marketing business manager for celebrities and influencers since 2019. Before the Andrew Frank Group, Andrew worked on Wall Street in the financial services sector for companies like Citigroup. Andrew is on an advisory committee at Mercy University in New York City, and is an adjunct professor at New York University for graduate-level business courses. Andrew has an MBA in International Business and a BBA in Business Management from Hofstra University-Frank G. Zarb School of Business. James McCusker is an award-winning author from the Atlantic City area of New Jersey. His first book, Atlantic City Nights, an epic crime drama, was published in 2013 by Amazon's Kindle Direct Publishing. Since then, he has published 3 other novels (Left in the Sand, Black McCool and The Edge) in addition to 5 children's stories in a 10-year span. His latest work, The Edge, a mystery thriller, won the PenCraft Authors award in 2023 in the Fiction-Drama category. James is a 2009 graduate of Delaware Valley University. In addition to being a full-time writer, James is a top-performing and award-winning sales executive in the IT staffing industry, working with mid-market and enterprise-level companies in the Philadelphia and New York City metro areas.

The Care Advocates is brought to you by the All Home Care Matters Media team and focuses on providing family caregivers and their loved ones with support, resources, and discussion on the issues facing them in the matrix of long-term care.   The Care Advocates is hosted by Lance A. Slatton & Dr. George Ackerman, also known as Sharon's son George.   The Care Advocates are honored to welcome the sisters from "Confessions of a Reluctant Caregiver" J.J. Elliott Hill & Natalie Elliott Handy as guests to the show.   About J.J. Elliott Hill, MBA:   J.J. is a finance executive turned entrepreneur, caregiver advocate, and podcast co-host. With over 17 years in commercial banking, she advised small to mid-sized businesses on strategic growth, asset management, and navigating regulatory and merger transitions. But in 2013, a corporate downsizing shifted her trajectory—leading her to co-found three startups spanning retail, manufacturing, and real estate.   In 2023, J.J. co-founded the Confessions of a Reluctant Caregiver podcast to raise awareness for the 53 million Americans caring for loved ones—just like she has done since 2019 for her mother, a 22-year Parkinson's patient. What began as a personal story has grown into a global caregiving platform, with over 300,000 monthly downloads and listeners in 54 countries. Today, Confessions is more than a podcast—it's a movement, offering training, keynote speaking, and advocacy that centers and elevates the caregiver voice.   In 2024, J.J. brought that same strategic mindset to the caregiving space as co-founder and CFO of CareForward, a public benefit company dedicated to supporting caregivers and the communities around them through technology-driven solutions and volunteer networks.   She holds a B.A. in Economics from Hollins College and an MBA in Executive Management from the University of Tennessee, Knoxville. J.J. is a Certified Aging in Place Specialist (CAPS) and is completing her certification as a Caregiving Consultant, Educator, and Facilitator through The Caregiving Years Academy.   About Natalie Elliott Handy, MSW:   Natalie is a seasoned healthcare executive with over 25 years of experience in health and human services. She is the CEO of CareForward, a technology-driven platform that connects individuals in crisis with volunteers and partner organizations to meet urgent, short-term needs and improve long-term outcomes. Natalie is also the CEO of Handy Innovative Solutions, a consulting firm focused on trauma-informed, evidence-based strategies for child welfare and behavioral health systems, specializing in transitioning high-acuity youth from congregate care into stable, family-based placements.   Natalie co-hosts the global podcast Confessions of a Reluctant Caregiver with her sister, JJ Elliott-Hill. The show, ranked in the top 5% of podcasts globally and streamed in over 54 countries with 300K+ monthly downloads and streams, brings authenticity, humor, and hope to caregiving conversations. Through storytelling, education, and advocacy, the podcast provides a supportive space for caregivers worldwide.   A passionate advocate, Natalie has served in leadership roles across mental health, foster care, and healthcare systems, including CEO of multiple psychiatric treatment facilities and VP of Government Affairs at Health Connect America. She speaks nationally on caregiving, crisis response, and community solutions.   Learn more about the Self-Care at Sea Cruise: Official Website: https://www.funseas.com/self-care

Our guest on the podcast today is Scott Bondurant. Scott is the founder and chief investment officer of Bondurant Investment Advisory, a registered investment advisor based in the Chicago suburbs. He is also an adjunct professor at Northwestern University, where he teaches an undergraduate course on the history of investing. He recently published a white paper about the importance of incorporating mean reversion in financial planning and portfolio construction, which we'll be discussing in this podcast. Scott has a BA from Stanford University and an MBA from Duke University's Fuqua School of Business. He started his career at Kidder Peabody and also worked for Paine Webber and Morgan Stanley before becoming a managing director for UBS.BackgroundBioBondurant Investment AdvisoryMean Reversion“Hidden in Plain Sight: The Dramatic Impact on Financial Planning and Portfolio Construction When Mean Reversion Is Incorporated in Risk and Return Expectations,” by Scott Bondurant, papers.ssrn.com, Nov. 25, 2024.“Understanding ‘Mean Reversion' Can Make or Break Retirement,” by Scott Bondurant, rethinking65.com, June 13, 2024.“Mean Reversion: Unlocking a Foundational Investing Principle,” sbondinvest.com, Feb. 8, 2024.OtherFair Disclosure, Regulation FD“Charley Ellis: Indexing Is a Marvelous Gift,” The Long View podcast, morningstar.com, Aug. 5, 2025.Devil Take the Hindmost: A History of Financial Speculation, by Edward ChancellorStocks for the Long Run: The Definitive Guide to Financial Market Returns & Long-Term Investment Strategies, by Jeremy Siegel“Anomalies: The Equity Premium Puzzle,” by Jeremy Siegel and Richard Thaler, The Journal of Economic Perspectives, Winter, 1997.“Do Stock Prices Move Too Much to Be Justified by Subsequent Changes in Dividends?” by Robert Shiller, papers.ssrn.com, April 12, 2004.Nebo Wealth

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Mark: Being able to get to near expert level on practically anything very quickly.Smallholder farmers are facing unprecedented challenges. With 97% of farm income concentrated in just 3% of farms, the remaining 97% struggle to make ends meet, often forcing the next generation to leave farming altogether. Mark Smith, CEO and Co-Founder of Carbon Country, is working to reverse this trend with a groundbreaking vision that combines renewable energy, sustainable farming practices, and economic innovation.Mark's approach centers on agrivoltaics, a system of integrating solar panels with farming. “The idea behind Carbon Country is to transform the economics and sustainability of smallholder farms by adding agrovoltaics, which is a fancy word for solar above farming,” Mark explained. By installing solar panels over grazing land and using regenerative practices like rotational sheep grazing, Carbon Country creates a dual-purpose solution that enhances both energy production and soil health.The potential doesn't stop there. Mark is pioneering carbon removal practices, including biochar production and “wood vaulting,” a process developed by a University of Maryland professor. “We're building the first large-scale biochar facility in Maryland,” Mark said. These initiatives not only sequester carbon but also improve soil quality, making farms more productive and sustainable.To further amplify the economic viability, Mark has integrated energy storage and Bitcoin mining into the model. “We're putting battery storage and Bitcoin mining together, creating an ecosystem with our panels,” he said. By arbitraging peak and non-peak power prices, Carbon Country maximizes revenue while helping stabilize the energy grid.Currently, Carbon Country is raising capital through a regulation crowdfunding campaign on Vicinity Capital. This innovative platform connects investors with high-impact projects, providing opportunities to support sustainable solutions like Mark's.Mark's work is more than a business—it's a mission to ensure smallholder farms remain productive for future generations. “Our goal is to make these farms legacy assets,” he said, “doing important things for both the economy and the environment.”If you want to learn more or invest in this inspiring initiative, visit Carbon Country's crowdfunding page and join the movement to reshape agriculture and energy for a better future.tl;dr:Mark Smith shares how agrivoltaics can transform smallholder farms by combining solar panels with farming.Carbon Country integrates biochar production and carbon storage to improve soil health and sequester carbon.Renewable energy, Bitcoin mining, and storage create economic opportunities for struggling smallholder farmers.Mark explains his superpower of rapid learning and offers advice for mastering new fields.This episode highlights Carbon Country's crowdfunding campaign to support sustainable farming and energy solutions.How to Develop Rapid Learning As a SuperpowerMark Smith's superpower is his ability to quickly master new fields of knowledge. “I think my superpower really is being able to get to near expert level on practically anything very quickly,” he said. This remarkable skill has allowed him to tackle challenges in diverse areas such as recycling, water filtration, and now agrivoltaics. Mark credits his success to curiosity, humility, and a willingness to dedicate time to learning and experimentation.Illustrative Story:Mark shared an example of how his rapid learning ability transformed an idea into reality. Initially exploring abandoned mining sites for solar projects, he discovered that ranches were a better fit. By asking questions about land use and grazing practices, he realized he could integrate rotational grazing and biochar production with solar installations. Through research and conversations with experts, he developed a model that improves soil health, sequesters carbon, and generates renewable energy—all while supporting smallholder farmers.Tips for Developing This Superpower:Be Curious: Read extensively and watch content to understand the basics of new fields.Seek Advice: Approach experts with humility and ask thoughtful questions.Experiment: Start small and learn by doing, even if it means making mistakes.Stay Open: Embrace being a beginner and remain receptive to unexpected insights.By following Mark's example and advice, you can make rapid learning a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileMark Smith (he/him):CEO and Co-Founder, Carbon Country, LLCAbout Carbon Country, LLC: We are transforming the economics and sustainability of smallholder farms by adding agrivoltaics and carbon removal.Website: carboncountry.usOther URL: marketplace.vicinityventures.co/offers/106Biographical Information: Mark Smith, is CEO and Co-Founder of Carbon Country. Previous to starting this venture, he served for 12 years as the Director of Government Affairs of Clorox, where he helped create BRITA's municipal water business. Before joining Clorox, Mark led Claren Power, a waste to energy developer focused on the sugar cane sector in Brazil. Mark also formally served as the Managing Director of Western Hemisphere Affairs at the US Chamber of Commerce. He holds a BA in Government from the College of William & Mary and an MBA from Georgetown.LinkedIn Profile: linkedin.com/in/mark-smith-72178b5Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Rancho Affordable Housing (Proactive), and InnerSpace. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture |  Michael Pratt, Qnetic | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on September 16, 2025, at 1:30 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperCrowdHour, September 17, 2025, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on "What's the Difference Between Gambling and Investing? Diversification." When it comes to money, too many people confuse speculation with true investing. In this session, Devin will explore what separates gambling from responsible investment practices—and why diversification is one of the most important tools for reducing risk and improving outcomes. Drawing on real-world examples and practical strategies, he'll help you understand how to evaluate opportunities, spread risk wisely, and think long-term about your portfolio. Whether you're new to investing, considering your first community round, or looking to refine your approach as a seasoned investor, this SuperCrowdHour will give you actionable insights to strengthen your decision-making. Don't miss this chance to sharpen your perspective and invest with greater confidence.Superpowers for Good Live Pitch, September 29, 2025. Hosted by Devin Thorpe on e360tv, this special event gives purpose-driven founders the chance to pitch their active Regulation Crowdfunding campaigns to a nationwide audience of investors and supporters. Selected founders will gain exposure to investors, national visibility across social and streaming platforms, and exclusive prizes from judges and sponsors—all at no cost to apply or pitch.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Earthstock Festival & Summit (Oct 2–5, 2025, Santa Monica & Venice, CA) unites music, arts, ecology, health, and green innovation for four days of learning, networking, and celebration. Register now at EarthstockFestival.com.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Impact Accelerator Summit is a live in-person event taking place in Austin, Texas, from October 23–25, 2025. This exclusive gathering brings together 100 heart-centered, conscious entrepreneurs generating $1M+ in revenue with 20–30 family offices and venture funds actively seeking to invest in world-changing businesses. Referred by Michael Dash, participants can expect an inspiring, high-impact experience focused on capital connection, growth, and global impact.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

What is your connection to spirituality? In this episode, I talk with Tiffany Green, LCPC, SEP, MBA, MDiv about the benefits of feeling connected to something beyond yourself and:  • How spiritual practices help you embrace your sensitivity, care for your nervous system, enhance your natural intuitive ability, and create a sense of belonging • Three keys to developing a spiritual practice • The many ways to incorporate spirituality into your everyday life Tiffany Green is a trauma-informed, somatic coach and psychotherapist based in Chicago. She specializes in supporting women, BIPOC and LGBTQ+ professionals with depression, anxiety and burnout symptoms. Using a culturally affirming, spiritual and body-based approach, Tiffany helps her clients redefine success on their own terms. She's passionate about creating space for rest, authenticity and sustainable healing. Keep in touch with Tiffany: • Website: https://www.charismcounseling.com  • Instagram: https://www.instagram.com/charismcounseling  Resources Mentioned: • A Minus Coaching Program for Women, BIPOC and LGBTQ+ professionals: https://www.charismcounseling.com  • The Highly Sensitive Person by Dr. Elaine Aron: https://bookshop.org/a/63892/9780553062182  • HSP Self-Test: https://hsperson.com/test/highly-sensitive-test  Thanks for listening! You can read the full show notes and sign up for my email list to get new episode announcements and other resources at: https://www.sensitivestories.comYou can also follow "SensitiveStrengths" for behind-the-scenes content plus more educational and inspirational HSP resources: Instagram: https://www.instagram.com/sensitivestrengths TikTok: https://www.tiktok.com/@sensitivestrengths Youtube: https://www.youtube.com/@sensitivestrengths And for more support, attend a Sensitive Sessions monthly workshop: https://www.sensitivesessions.com. Use code PODCAST for 25% off. If you have a moment, please rate and review the podcast, it helps Sensitive Stories reach more HSPs! This episode is for educational purposes only and is not intended as a substitute for treatment with a mental health or medical professional. Some links are affiliate links. You are under no obligation to purchase any book, product or service. I am not responsible for the quality or satisfaction of any purchase.

On this episode of The Vet Blast Podcast, our host Adam Christman, DVM, MBA welcomed his former veterinary school classmate Stacy Anderson, DVM, MVSc, PhD, DACVS-LA,  the Executive Dean of the Lincoln Memorial University Richard A. Gillespie College of Veterinary Medicine, to  talk about the veterinary distributed work-based program, what exactly COWBEL is, the benefits of this type of program for students and clinics, and more! 

Most of you will listen and not leave a review. If this episode adds value for you, please rate and review it so we can get it to more people. What does it take to rise from adversity, publish a book, run an NGO, and step into motherhood — all while staying rooted in purpose?In this episode of Follow Your F

Matt sat down with us over a glass of tequila and shared his journey. From growing up in Brooklyn and working early jobs as a club promoter to building a $2.1 billion real estate portfolio, Matt plays chess, not checkers. He discovered early that his superpower was a relentless work ethic; pounding the phones and making more cold calls than anyone else as a young NYC stockbroker. He took us through his path of dropping out of college to broker stocks, then returning to finish undergrad and ultimately earning his MBA.That same drive carried him into real estate, where he's built an impressive portfolio and an even bigger pipeline. Matt proves that with grit, hustle, and long-term vision, you can rise to the top.Connect with usWant to dive deeper into Miami's commercial real estate scene? It's our favorite topic and we're always up for a good conversation. Whether you're just exploring or already making big moves, feel free to reach out at info@builtworldadvisors.com or give us a call at 305.498.9410. Prefer to connect online? Find us on LinkedIn or Instagram - we're always open to expanding the conversation. Ben Hoffman: LinkedIn Felipe Azenha: LinkedIn We extend our sincere gratitude to Büro coworking space for generously granting us the opportunity to record all our podcasts at any of their 8 convenient locations across South Florida.

How are infection preventionists gearing up for IIPW 2025? In this episode, co-hosts Lerenza Howard and Kelly Holmes welcome guests from APIC's Communications Committee Michelle Swetky and Tammy Cunningham who share creative tools, engaging activities, and superhero-inspired themes to unite and empower IPs. Join us and Stand UPPP — Unite, Prevent, Protect, Prevail — for infection prevention! Hosted by: Kelly Holmes, MS, CIC, FAPIC and Lerenza Howard, MHA, CIC, LSSGB About our Guests: Tammy Cunningham, MBA, BSN RN, CIC Tammy Cunningham, MBA, BSN RN, CIC, is the Infection Prevention Manager at AdventHealth Kansas City Region, overseeing the Infection Prevention programs at three acute care hospitals and two free standing Emergency Departments. She worked as an Intensive Care nurse and Neonatal Intensive Care nurse until 2019 when she began her career in infection prevention, just in time for the worldwide pandemic. Tammy is active in the Greater Kansas City APIC chapter, having served two terms as the chapter Treasurer, and is currently a member of the APIC Communications Committee. Tammy is board certified in infection control, and is passionate about preventing infections in patients, especially CAUTIs, CLABSIs, and C. difficile infections. Michelle Swetky, MPH, CIC, FAPIC Michelle Swetky, MPH, CIC, FAPIC, is an Infection Preventionist at Fred Hutchinson Cancer Center in Seattle, WA. Michelle has a decade of infection prevention experience in acute and ambulatory care, with extensive experience in an oncology setting. She is passionate about expanding the field of infection prevention into the ambulatory setting and across the continuum of care. Michelle has served as the Chairman of Comprehensive Cancer Center's Infection Prevention & Control group (C3IC) from 2021-2023 and is a current member on the APIC Communications Committee. Michelle received her Master's in Public Health from the University of Michigan. She has been certified in infection prevention and control (CIC) since 2016 and became an APIC Fellow (FAPIC) in 2023.

Our guest this time is Aaron Wolpoff who has spent his professional career as a marketing strategist and consultant to help companies develop strategic brands and enhance their audience growth. He owns the marketing firm, Double Zebra. He tells us about the name and how his company has helped a number of large and small companies grow and better serve their clients.   Aaron grew up in the San Diego area. He describes himself as a curious person and he says he always has been such. He loves to ask questions. He says as a child he was somewhat quiet, but always wanted to know more. He received his Bachelor's degree in marketing from the University of California at San Diego. After working for a firm for some four and a half years he and his wife moved up to the bay area in Northern California where attended San Francisco State University and obtained a Master's degree in Business.   In addition to his day job functioning as a business advisor and strategist Aaron also hosts a podcast entitled, We Fixed it, You're Welcome. I had the honor to appear on his podcast to discuss Uber and some of its accessibility issues especially concerning access by blind persons who use guide dogs to Uber's fleet. His podcast is quite fascinating and one I hope you will follow.   Aaron provides us in this episode many business insights. We talk about a number of challenges and successes marketing has brought to the business arena. I hope you like what Aaron offers.     About the Guest:   Aaron Wolpoff is a seasoned marketing strategist and communications consultant with a track record of positioning companies, products, and thought leadership for maximum impact. Throughout his career, Aaron has been somewhat of a trendspotter, getting involved in early initiatives around online banking, SaaS, EVs, IoT, and now AI, His ability to bridge complex industry dynamics and technology-driven solutions underscores his role as a forward-thinking consultant, podcaster, and business advisor, committed to enhancing organizational effectiveness and fostering strategic growth.   As the driving force behind the Double Zebra marketing company, Aaron excels in identifying untapped marketing assets, refining brand narratives, and orchestrating strategic pivots from paid advertising to organic audience growth. His insights have guided notable campaigns for consumer brands, technology firms, and professional service providers, always with a keen eye for differentiating messages that resonate deeply with target audiences. In addition to his strategic marketing expertise, Aaron hosts the Top 20 business management podcast, We Fixed It, You're Welcome, known for its sharp, humorous analysis of major corporate challenges and missteps. Each episode brings listeners inside complex business scenarios, unfolding like real-time case studies where Aaron and his panel of experts dissect high-profile decisions, offering insightful and actionable solutions. His ability to distill complex business issues into relatable, engaging discussions has garnered widespread acclaim and a dedicated following among executives and decision-makers.   Ways to connect with Aaron:   Marketing company: https://doublezebra.com Podcast: https://wefixeditpod.com LinkedIn: https://linkedin.com/in/marketingaaron     About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:20 Hi there, and welcome to another episode of unstoppable mindset. Today, we get to chat with Aaron Wolpoff, who is a marketing strategist and expert in a lot of different ways. I've read his bio, which you can find in the show notes. It seems to me that he is every bit as much of an expert is his bio says he is, but we're going to find out over the next hour or so for sure. We'll we'll not pick on him too much, but, but nevertheless, it's fun to be here. Aaron, so I want to welcome you to unstoppable mindset. I'm glad you're here, and we're glad that we get a chance to do   Aaron Wolpoff, ** 01:58 this. Thanks, Michael, thanks for having me. You're gonna grill me for an hour, huh?   Michael Hingson ** 02:04 Oh, sure. Why not? You're used to it. You're a marketing expert.   Aaron Wolpoff, ** 02:08 That's what we do. Yeah, we're always, uh, scrutiny for one thing or another.   Michael Hingson ** 02:13 I remember, I think it was back in was it 82 or 1982 or 1984 when they had the big Tylenol incident. You remember that? You know about   Aaron Wolpoff, ** 02:25 that? I do? Yeah, there's a Netflix documentary happening right now. Is there? Well, yeah,   Michael Hingson ** 02:31 a bottle of Tylenol was, for those who don't know, contaminated and someone died from it. But the manufacturer of Tylenol, the CEO the next day, just got right out in front of it and said what they were going to do about removing all Tylenol from the shelves until it could be they could all be examined and so on. Just did a number of things. It was a wonderful case, it seemed to me, for how to deal with a crisis when it came up. And I find that all too many companies and organizations don't necessarily know how to do that. Do they now?   Aaron Wolpoff, ** 03:09 And a lot of times they operate in crisis mode. That's the default. And no one likes to be around that, you know. So that's, I guess, step one is dealing even you know, deal with a crisis when it comes up, and make sure that your your day to day is not crisis fire as much as possible,   Michael Hingson ** 03:26 but know how to deal with a crisis, which is kind of the issue, and that's, that's what business continuity, of course, is, is really all about. I spoke at the Business Continuity Institute hybrid conference in London last October, and as one of the people who asked me to come and speak, explained, business continuity, people are the what if people that are always looking at, how do we deal with any kind of an emergency that comes up in an organization, knowing full well that nobody's really going to listen to them until there's really an emergency, and then, of course, they're indispensable, but The rest of the time they're not for   Aaron Wolpoff, ** 04:02 sure. Yeah, it's definitely that, you know, good. You bring up a good point about knowing how to deal with a crisis, because it will, it, will you run a business for long enough you have a company, no matter how big, eventually something bad is going to happen, and it's Tylenol. Was, is pre internet or, you know, we oh, yeah, good while ago they had time to formulate a response and craft it and and do a well presented, you know, public reassurance nowadays it's you'd have five seconds before you have to get something out there.   Michael Hingson ** 04:35 Well, even so, the CEO did it within, like, a day or so, just immediately came out and said what, what was initially going to be done. Of course, there was a whole lot more to it, but still, he got right out in front of it and dealt with it in a calm way, which I think is really important for businesses to do, and and I do find that so many don't and they they deal with so many different kinds of stress. Horrible things in the world, and they create more than they really should about fear anyway,   Aaron Wolpoff, ** 05:07 yeah, for sure, and now I think that Tylenol wasn't ultimately responsible. I haven't watched to the end, but if I remember correctly, but sometimes these crisis, crises that companies find themselves embroiled in, are self perpetuated? Yeah?   Michael Hingson ** 05:23 Well, Tylenol wasn't responsible. Somebody did it. Somebody put what, cyanide or something in into a Tylenol bottle. So they weren't responsible, but they sure dealt with it, which is the important thing. And you know, they're, they're still with us. Yeah?   Aaron Wolpoff, ** 05:38 No, they dealt with it. Well, their sales are great, everyday household product. No one can dispute it. But what I say is, with the with the instantaneousness of reach to your to your public, and to you know, consumers and public at large, a lot of crises are, can be self perpetuated, like you tweet the wrong thing, or is it called a tweet anymore? I don't know, but you know, you post something a little bit a little bit out of step with what people are think about you or thinking in general, and and now, all of a sudden, you're in the middle of something that you didn't want to be in the middle of, as a company well,   Michael Hingson ** 06:15 and I also noticed that, like the media will, so often they hear something, they report it, and they haven't necessarily checked to see the facts behind it, only to find out within an hour or two that what they reported was wrong. And they helped to sometimes promote the fear and promote the uncertainty, rather than waiting a little bit until they get all the information reasonably correct. And of course, part of the problem is they say, well, but everybody else is going to report it. So each station says everybody else is going to report it, so we have to keep up. Well, I'm not so sure about that all the time. Oh, that's very true, too, Michael, especially with, you know, off brand media outlets I'll spend with AI like, I'll be halfway through an article now, and I'll see something that's extremely generated and and I'll realize I've just wasted a whole bunch of time on a, you know, on a fake article, yeah, yeah, yeah, way, way too much. But even the mainstream media will report things very quickly to get it out there, but they don't necessarily have all the data, right. And I understand you can't wait for days to deal with things, but you should wait at least a little bit to make sure you've got data enough to report in a cogent way. And it just doesn't always happen.   Aaron Wolpoff, ** 07:33 Yeah, well, I don't know who the watch keepers of that are. I'm not a conspiracy theorist in that way by any means?   Michael Hingson ** 07:41 No, no, it isn't a conspiracy. But yeah,   Aaron Wolpoff, ** 07:44 yeah, no, no, I know, but it's again. I think it goes back to that tight the shortness of the cycle, like again. Tylenol waited a day to respond back in the day, which is great. But now, would you have you know, if Tylenol didn't say   Michael Hingson ** 07:59 anything for a day. If they were faced with a similar situation, people would vilify them and say, Well, wait, you waited a day to tell us something we wanted it in the first 30 seconds, yeah, oh, yeah. And that makes it more difficult, but I would hope that Tylenol would say, yeah. We waited a day because we were getting our facts together. 30 seconds is great in the media, but that doesn't work for reality, and in most cases, it doesn't. But yeah, I know what you're saying,   Aaron Wolpoff, ** 08:30 Yeah, but the appetite in the 24 hour news cycle, if people are hungry for new more information, so it does push news outlets, media outlets into let's respond as quick as possible and figure out the facts along the way. Yeah, yeah.   Michael Hingson ** 08:46 Well, for fun, why don't you tell us about sort of the early era and growing up, and how you got to doing the sorts of things that you're doing now. Well, I grew up in San Diego, California. I best weather in the country. I don't care what anyone says, Yeah,   Aaron Wolpoff, ** 09:03 you can't really beat it. No, I don't think anyone's gonna debate you on it. They call it the sunshine tax, because things cost a lot out here, but they do, you know, he grew up here, you put up with it. But yeah, so I grew up, grew up San Diego, college, San Diego. Life in San Diego, I've been elsewhere. I've traveled. I've seen some of the world. I like it. I've always wanted to come back, but I grew up really curious. I read a lot, I asked a lot of questions. And I also wanted, wanting to know, well, I want to know. Well, I wanted to know a lot of things about a lot of things, and I also was really scared. Is the wrong word, but I looked up to adults when I was a kid, and I didn't want to be put in a position where I was expected to know something that I didn't know. So it led to times where I'd pretend like I need you. Know, do you know? You know what this is, right? And I'd pretend like I knew, and early career, career even, and then I get called out on something, and it just was like a gut punch, like, but I'm supposed to know that, you know,   Michael Hingson ** 10:13 what did your parents think of you being so curious as you were growing up?   Aaron Wolpoff, ** 10:17 They they liked it, but I was quiet, okay? Quiet, quiet, quietly, confident and curious. It's just an interesting, I guess, an interesting mix. Yeah, but no, they Oh, they indulged it. I, you know, they answered my questions. They like I said, I read a lot, so frequent trips to the library to read a lot about a lot of things, but I think, you know, professionally, you take something that's kind of a grab bag, and what do I do with all these different interests? And when I started college undeclared, I realized, you know, communications, marketing, you kind of can make a discipline out of a bunch of interests, and call it something professional. Where did you go to college? I went to UCSD. UCSD, here in San Diego, yeah,   Michael Hingson ** 11:12 well, I was just up the road from you at UC Irvine. So here two good campuses,   Aaron Wolpoff, ** 11:18 they are, they are and UCSD. I was back recently. It's like a it's like a city. Now, every time we go back, we see these, these kids. They're babies. They get they get food every you know, they have, like, a food nice food court. There's parking, an abundance of parking, there's theaters, there's all the things we didn't have. Of course, we had some of it, but they just have, like, what if we had one of something or 50 parking spaces, they've got 5000 you know. And if we had, you know, one one food option, they got 35 Yeah, they don't know how good they have it.   Michael Hingson ** 11:53 When I was at UC urban, I think we had 3200 undergraduates. It wasn't huge. It was in that area. Now, I think there's 31,000 or 32,000 undergrads. Oh, wow. And as one of my former physics professors joked, he's retired, but I got to meet him. I was there, and last year I was inducted as an alumni member of Phi, beta, kappa. And so we were talking, and he said, You know what UCI really stands for, don't you? Well, I didn't, I said, What? And he said, under construction indefinitely. And there's, they're always building, sure, and that's that started when I was there, but, but they are always building. And it's just an amazing place today, with so many students and graduate students, undergrads and faculty, and it's, it's an amazing place. I think I'd have a little bit more of a challenge of learning where everything is, although I could do it, if I had to go back, I could do it. Yeah, UCI is nice. But I think you could say, you could say that about any of the UCs are constantly under, under development. And, you know, that's the old one. That's the old area. And I'm like, oh, that's I went to school in the old area. I know the old area. I remember Central Park. Yeah, for sure. Yeah. So you ended up majoring in Marketing and Communications,   Aaron Wolpoff, ** 13:15 yeah. So I undergrad in communications. They have a really nice business school now that they did not have at the time. So I predated that, but I probably would have ended up there. I got out with a very, not knocking the school. It's a great, wonderful school. I got out with a very theory, theoretical based degree. So I knew a lot about communications from a theory based perspective. I knew about brain cognition. I took maybe one quarter of practical use it professionally. It was like a video, like a video production course, so I I learned hands on, 111, quarter out of my entire academic career. But a lot of it was learning. The learning not necessarily applied, but just a lot of theory. And I started school at 17, and I got out just shortly after my 21st birthday, so I don't know what my hurry was, but, but there I was with a lot of theory, some some internships, but not a ton of professional experience. And, you know, trying to figure it out in the work world at that point. Did you get a graduate degree or just undergrad? I did. I went back. So I did it for almost five years in in financial marketing, and then, and I wear a suit and tie to work every day, which I don't think anyone does anymore. And I'm suddenly like, like, I'm from the 30s. I'm not that old, but, but no, seriously, we, you know, to work at the at the headquarters of a international credit union. Of course, I wear a suit, no after four and a half. Years there, I went back to graduate school up in the bay the Bay Area, Bay Area, and that's when I got my masters in in marketing. Oh, where'd you go in the Bay Area? San Francisco, state. Okay, okay, yeah, really nice school. It's got one of the biggest International MBA programs in the country, I think. And got to live in that city for a couple years.   Michael Hingson ** 15:24 We lived in Novato, so North Bay, for 12 years, from 2002 to the end of June 2014 Yeah, I like that area. That's, that's the, oh, the weather isn't San Diego's. That area is still a really nice area to live as well. Again, it is pretty expensive, but still it   Aaron Wolpoff, ** 15:44 is, yeah, I it's not San Diego weather, a beautiful day. There is like nothing else. But when we first got there, I said, I want to live by the beach. That's what I know. And we got out to the beach, which is like at the end of the outer sunset, and it's in the 40s streets, and it feels like the end of the universe. It just, it just like, feels apocalyptic. And I said, I don't want to live by the beach anymore, but, but no, it was. It was a great, great learning experience, getting an MBA. I always say it's kind of like a backpack or a toolkit you walk around with, because it is all that's all application. You know, everything that I learned about theory put into practice, you got to put into practice. And so I was, I was really glad that I that I got to do that. And like I said, Live, live in, live in the Bay. For a couple years, I'd always wanted   Michael Hingson ** 16:36 to, yeah, well, that's a nice area to live. If you got to live somewhere that is one of the nicer places. So glad you got that opportunity. And having done it, as I said for 12 years, I appreciate it too. And yeah, so much to offer there.   Aaron Wolpoff, ** 16:51 The only problem I had was it was in between the two.com bubbles. So literally, nothing was happening. The good side was that the apartment I was living in went for something like $5,500 before I got there, and then the draw everything dropped, you know, the bottom dropped out, and I was able to squeak by and afford living in the city. But, you know, you go for look, seeking your fortune. And there's, there's, I had just missed it. And then I left, and then it just came back. So I was, I was there during a lull. So you're the one, huh? Okay, I didn't do it, just the way Miami worked out. Did you then go back to San Diego? I did, yeah. So I've met my wife here. We moved up to the bay together, and when we were debating, when I graduated, we were thinking, do we want to drive, you know, an hour and a half Silicon Valley or someone, you know, somewhere further out just to stay in the area? Or do we want to go back to where we where we know and like, and start a life there and we, you know, send, like you said at the beginning, San Diego is not a bad place to be. So as it was never a fallback, but as a place to, you know, come back home to, yeah, I welcomed it.   Michael Hingson ** 18:08 And so what did you do when you came back to San Diego?   Aaron Wolpoff, ** 18:12 So I have my best friend from childhood was starting as a photography company still does, and it was starting like a sister company, as an agency to serve the photography company, which was growing really fast, and then also, like picking up clients and building a book out of so he said, you know you're, I see you're applying for jobs, and I know that you're, you know, you're getting some offers and things, but just say no To all of them and come work with me and and at the time it was, it was running out of a was like a loft of an apartment, but it, you know, it grew to us, a small staff, and then a bigger staff, and spun off on its own. And so that's, that's what I did right out of, right out of grad school. I said no to a few things, and said there's a lot, lot worse fates than you know, spending your work day with your best friend and and growing a company out and so what exactly did you do for them? So it was like, we'll call it a boutique creative agency. It was around the time of I'm making myself sound so old. See, so there was flash, flash technology, like web banners were made with Flash. It had moved to be flash, Adobe, Flash, yeah. So companies were making these web banners, and what you call interactive we got a proficiency of making full website experiences with Flash, which not a lot of companies were doing. So because of that, it led to some really interesting opportunities and clients and being able to take on a capability, a proficiency that you know for a time. Uh was, was uh as a differentiator, say, you know, you could have a web banner and an old website, or you could have a flash, interactive website where you take your users on an experience with music and all the things that seem so dated now,   Michael Hingson ** 20:14 well, and of course, unfortunately, a lot of that content wasn't very accessible, so some of us didn't really get access to a lot of it, and I don't remember whether Adobe really worked to make flash all that accessible. They dealt with other things, but I'm not sure that flash ever really was. Yeah, I'm with you on that. I really, I don't think so.   Aaron Wolpoff, ** 20:38 What we would wind up doing is making parallel websites, but, but then mobile became a thing, and then you'd make a third version of a website, and it just got tedious. And really it's when the iPhone came out. It just it flash got stopped in its tracks, like it was like a week, and then action script, which is the language that it runs on, and all the all the capabilities and proficiencies, just there was no use for it anymore.   Michael Hingson ** 21:07 Well, and and the iPhone came out, as you said, and one of the things that happened fairly early on was that, because they were going to be sued, Apple agreed to make the I devices accessible, and they did something that hadn't really been done up to that time. They set the trend for it. They built accessibility into the operating systems, and they built the ability to have accessibility into the operating systems. The one thing that I wish that Apple would do even a little bit more of than they do, than they do today, although it's better than it used to be, is I wish they would mandate, or require people who are going to put apps in the App Store, for example, to make sure that the apps are accessible. They have guidelines. They have all sorts of information about how to do it, but they don't really require it, and so you can still get inaccessible apps, which is unfortunate,   Aaron Wolpoff, ** 22:09 that is Yeah, and like you said, with Flash, an entire you know, ecosystem had limited to no accessibility, so   Michael Hingson ** 22:16 and making additional on another website, Yeah, a lot of places did that, but they weren't totally equal, because they would make enough of the website, well, they would make the website have enough content to be able to do things, but they didn't have everything that they had on the graphical or flash website, and so It was definitely there, but it wasn't really, truly equal, which is unfortunate, and so now it's a lot better.   Aaron Wolpoff, ** 22:46 Yeah, it is no and I hate to say it, but if it came down to limited time, limited budget, limited everything you want to make something that is usable and efficient, but no, I mean, I can't speak for all developers, but no, it would be hard. You'd be hard pressed to create a an equally parallel experience with full accessibility at the time.   Michael Hingson ** 23:16 Yeah, yeah, you would. And it is a lot better. And there's, there's still stuff that needs to be done, but I think over time, AI is going to help some of that. And it is already made. It isn't perfect yet, but even some graphics and so on can be described by AI. And we're seeing things improve over, over, kind of what they were. So we're making progress, which is good,   Aaron Wolpoff, ** 23:44 yeah, no, I'm really happy about that. And with with AI and AI can go through and parse your code and build in all you know, everything that that needs to happen, there's a lot less excuse for for not making something as accessible as it can   Michael Hingson ** 23:59 be, yeah, but people still ignore it to a large degree. Still, only about 3% of all websites really have taken the time to put some level of accessibility into them. So there's still a lot to be done, and it's just not that magical or that hard, but it's mostly, I think, education. People don't know, they don't know that it can be done. They don't think about it being done, or they don't do it initially, and so then it becomes a lot more expensive to do later on, because you got to go back and redo   Aaron Wolpoff, ** 24:28 it, all right, yeah, anything, anytime you have to do something, something retroactive or rebuild, you're, yeah, you're starting from not a great place.   Michael Hingson ** 24:37 So how long did you work with your friend?   Aaron Wolpoff, ** 24:42 A really long time, because I did the studio, and then I wound up keeping that alive. But going over to the photography side, the company really grew. Had a team of staff photographers, had a team of, like a network of photographers, and. And was doing quite, quite a lot, an abundance of events every year, weddings and corporate and all types of things. So all in, I was with the company till, gosh, I want to say, like, 2014 or so. Wow. Yeah. Yeah.   Michael Hingson ** 25:21 And then what did you go off and do?   Aaron Wolpoff, ** 25:25 So then I worked for an agency, so I got started with creative and, well, rewinding, I got started with financial marketing, with the suit and tie. But then I went into creative, and I've tried pretty much every aspect of marketing I hadn't done marketing automation and email sequences and CRMs and outreach and those types of things. So that was the agency I worked for that was their specialization, which I like, to a degree, but it's, it's not my, not my home base. Yeah, there's, there's people that love and breathe automation. I like having interjecting some, you know, some type of personal aspect into the what you're putting out there. And I have to wrestle with that as ai, ai keeps growing in prominence, like, Where's the place for the human, creative? But I did that for a little while, and then I've been on my own for the past six or seven years.   Michael Hingson ** 26:26 So what is it you do today? Exactly?   Aaron Wolpoff, ** 26:30 So I'm, we'll call it a fractional CMO, or a fractional marketing advisor. So I come in and help companies grow their their marketing and figure themselves out. I've gone I work with large companies. I've kind of gone back to early stage startups and and tech companies. I just find that they're doing really more, a lot more interesting things right now with the market the way it is. They're taking more chances and and they're they're moving faster. I like to move pretty quick, so that's where my head's at. And I'm doing more. We'll call em like CO entrepreneurial ventures with my clients, as opposed to just a pure agency service model, which is interesting. And and I got my own podcast. There you go. Yeah. What's your podcast called? Not to keep you busy, it's called, we fixed it. You're welcome. There you   Michael Hingson ** 27:25 go. And it seems to me, if my memory hasn't failed me, even though I don't take one of those memory or brain supplements, we were on it not too long ago, talking about Uber, which was fun.   Aaron Wolpoff, ** 27:39 We had you on there. I don't know which episode will drop first, this one or or the one you were on, but we sure enjoyed having you on there.   Michael Hingson ** 27:46 Well, it was fun. Well, we'll have to do more of it, and I think it'd be fun to but so you own your own business. Then today,   Aaron Wolpoff, ** 27:53 I do, yeah, it's called Double zebra.   Michael Hingson ** 27:56 Now, how did you come up with that name?   Aaron Wolpoff, ** 27:59 It's two basic elements, so basic, black and white, something unremarkable, but if you can take it and multiply it or repeat it, then you're onto something interesting.   Michael Hingson ** 28:13 Lots of stripes. Yeah, lots of stripes.   Aaron Wolpoff, ** 28:17 And it's always fun when I talk to someone in the UK or Australia, or then they say zebra or zebra, right? I get to hear the way they say it. It's that's fun. Occasionally I get double double zero. People will miss misname it and double zero. That's his   Michael Hingson ** 28:34 company's that. But has anybody called it double Zed yet?   Aaron Wolpoff, ** 28:39 No, that's a new one.   Michael Hingson ** 28:41 Yeah? Well, you never know. Maybe we've given somebody the idea now. Yeah, yeah. Well, so I'm I'm curious. You obviously do a lot to analyze and help people in critique in corporate mishaps. Have you ever seen a particular business mistake that you really admire and just really love, its audacity,   Aaron Wolpoff, ** 29:07 where it came out wrong, but I liked it anyway, yeah, oh, man,   Michael Hingson ** 29:13 let's see, or one maybe, where they learned from their mistake and fixed it. But still, yeah, sure.   Aaron Wolpoff, ** 29:23 Yeah, that's a good one. I like, I like bold moves, even if they're wrong, as long as they don't, you know, they're not harmful to people I don't know. Let's go. I'm I'm making myself old. Let's go back to Crystal crystal. Pepsi, there you go for that. But that was just such a fun idea at the time. You know, we're the new generation and, and this is the 90s, and everything's new now, and we're going to take the color out of out of soda, I know we're and we're going to take it and just make it what you know, but a little unfamiliar, right? Right? It's Crystal Pepsi, and the ads were cool, and it was just very of the moment. Now, that moment didn't last very long, no, and the public didn't, didn't hold on to it very long. But there's, you know, it was, it let you question, and I in a good way, what you thought about what is even a Pepsi. And it worked. It was they brought it back, like for a very short time, five, I want to say five or six years ago, just because people had a nostalgia for it. But yeah, big, big, bold, we're confident this is the new everyone's going to be talking about this for a long time, and we're going to put a huge budget behind it, Crystal Pepsi. And it it didn't, but yeah, I liked it.   Michael Hingson ** 30:45 So why is that that is clearly somebody had to put a lot of effort into the concept, and must have gotten some sort of message that it would be very successful, but then it wasn't,   Aaron Wolpoff, ** 31:00 yeah, yeah. For something like that, you have to get buy in at so many levels. You know, you have an agency saying, this is the right thing to do. You have CD, your leadership saying, No, I don't know. Let's pull back. Whenever an agency gets away with something and and spends a bunch of client money and it's just audacious, and I can't believe they did it. I know how many levels of buy in they had to get, yeah, to say, Trust me. Trust me. And a lot of times it works, you know, if they do something that just no one else had had thought of or wasn't willing to do, and then you see that they got through all those levels of bureaucracy and they were able to pull it off.   Michael Hingson ** 31:39 When it works. I love it. When it doesn't work. I love it, you know, just, just the fact that they did it, yeah, you got to admire that. Gotta admire it. They pulled it off, yeah. My favorite is still ranch flavored Fritos. They disappeared, and I've never understood why I love ranch flavored Fritos. And we had them in New Jersey and so on. And then we got, I think, out to California. But by that time, they had started to fade away, and I still have never understood why. Since people love ranch food so   Aaron Wolpoff, ** 32:06 much, that's a good one. I don't know that. I know those because it does, it does that one actually fill a market need. If there's Doritos, there's, you know, the ranch, I don't know if they were, they different.   Michael Hingson ** 32:17 They were Fritos, but they they did have ranch you know they were, they were ranch flavored, and I thought they were great. Yeah, I don't know. I don't know that one didn't hit because they have, I think they have chili flavor. They have regular. Do they have anything else honey barbecue? I don't know. I don't know, but I do still like regular, but I love ranch flavored the best. Now, I heard last week that Honey Nut Cheerios are going away. General Mills is getting rid of honey nut cheerios. No, is that real? That's what I heard on the news. Okay, I believe you, but I'll look it up anyway. Well, it's interesting. I don't know why, after so many years, they would but there have been other examples of cereals and so on that were around for a while and left and, well, Captain Crunch was Captain Crunch was one, and I'm not sure if lucky charms are still around. And then there was one called twinkles.   Aaron Wolpoff, ** 33:13 And I know all those except twinkles, but I would if you asked me, I would say, Honey Nut Cheerios. There's I would say their sales are better than Cheerios, or at least I would think so, yeah, at least a good portfolio company. Well, who knows, who knows, but I do know that Gen Z and millennials eat cereal a lot less than us older folks, because it takes work to put milk and cereal into a bowl, and it's not pre made, yeah. So maybe it's got to do with, you know, changing eating habits and consumer preferences   Michael Hingson ** 33:48 must be Yeah, and they're not enough of us, older, more experienced people to to counteract that. But you know, well, we'll see Yeah, as long as they don't get rid of the formula because it may come back. Yeah, well, now   Aaron Wolpoff, ** 34:03 Yeah, exactly between nostalgia and reboots and remakes and nothing's gone forever, everything comes back eventually.   Michael Hingson ** 34:10 Yeah, it does in all the work that you've done. Have you ever had to completely rethink and remake your approach and do something different?   Aaron Wolpoff, ** 34:24 Yeah, well, there's been times where I've been on uncharted territory. I worked with an EV company before EVs were a thing, and it was going, actually going head to head with with Tesla. But the thing there's they keep trying to bring it back and crowd sourcing it and all that stuff. It's, but at the time, it was like, I said it was like, which is gonna make it first this company, or Tesla, but, but this one looks like a, it looks, it feels like a spaceship. It's got, like space. It's a, it's, it's really. Be really unique. So the one that that is more like a family car one out probably rightly so. But there was no consumer understanding of not, let alone our preference, like there is now for an EV and what do I do? I have to plug it in somewhere and and all those things. So I had to rethink, you know what? There's no playbook for that yet. I guess I have to kind of work on it. And they were only in prototyping at the point where we came in and had to launch this, you know, teaser and teaser campaign for it, and build up awareness and demand for this thing that existed on a computer at the time.   Michael Hingson ** 35:43 What? Why is Tesla so successful?   Aaron Wolpoff, ** 35:48 Because they spent a bunch of money. Okay, that helps? Yeah, they were playing the long game. They could outspend competitors. They've got the unique distribution model. And they kind of like, I said, retrained consumers into how you buy a car, why you buy a car, and, and I think politics aside, people love their people love their teslas. You don't. My understanding is you don't have to do a whole lot once you buy it. And, and they they, like I said, they had the money to throw at it, that they could wait, wait it out and wait out that when you do anything with retraining consumers or behavior change or telling them you know, your old car is bad, your new this new one's good, that's the most. We'll call it costly and and difficult forms of marketing is retraining behavior. But they, they had the money to write it out and and their products great, you know, again, I'm not a Tesla enthusiast, but it's, it looks good. People love it. I you know, they run great from everything that I know, but so did a lot of other companies. So I think they just had the confidence in what they were doing to throw money at it and wait, be patient and well,   Michael Hingson ** 37:19 they're around there again the the Tesla is another example of not nearly as accessible as it should be and and I recognize that I'm not going to be the primary driver of a Tesla today, although I have driven a Tesla down Interstate 15, about 15 miles the driver was in the car, but, but I did it for about 15 miles going down I 15 and fully appreciate what autonomous vehicles will be able to do. We're way too much still on the cusp, and I think that people who just poo poo them are missing it. But I also know we're not there yet, but the day is going to come when there's going to be a lot more reliability, a lot less potential for accidents. But the thing that I find, like with the Tesla from a passenger standpoint, is I can't do any of the things that a that a sighted passenger can do. I can't unless it's changed in the last couple of years. I can't manipulate the radio. I can't do the other things that that that passengers might do in the Tesla, and I should be able to do that, and of all the vehicles where they ought to have access and could, the Tesla would be one, and they could do it even still using touch screens. I mean, the iPhone, for example, is all touch screen. But Apple was very creative about creating a mechanism to allow a person to not need to look at the screen using VoiceOver, the screen reader on the iPhone, but having a new set of gestures that were created that work with VoiceOver so that I could interact with that screen just as well as you can.   Aaron Wolpoff, ** 38:59 That's interesting that you say that, you know, Apple was working on a car for a while, and I don't know to a fact, but I bet they were thinking through accessibility and building that into every turn, or at least planning to,   Michael Hingson ** 39:13 oh, I'm sure they were. And the reality is, it isn't again. It isn't that magical to do. It would be simple for the Teslas and and other vehicles to do it. But, you know, we're we're not there mentally. And that's of course, the whole issue is that we just societally don't tend to really look at accessibility like we should. My view of of, say, the apple the iPhone, still is that they could be marketing the screen reader software that I use, which is built into the system already. They could, they could do some things to mark market that a whole lot more than they already do for sighted people. Your iPhone rings, um. You have to tap it a lot of times to be able to answer it. Why can't they create a mode when you're in a vehicle where a lot more of that is verbally, spoken and handled through voice output from the phone and voice input from you, without ever having to look at or interact with the screen.   Aaron Wolpoff, ** 40:19 I bet you're right, yeah, it's just another app at that point   Michael Hingson ** 40:22 well, and it's what I do. I mean, it's the way I operate with it. So I just think that they could, they could be more creative. There's so many examples of things that begin in one way and alter themselves or become altered. The typewriter, for example, was originally developed for a blind Countess to be able to communicate with her lover without her husband finding out her husband wasn't very attentive to her anyway. But the point is that the, I think the lover, created the this device where she could actually sit down and type a letter and seal it and give it to a maid or someone to give to, to her, her friend. And that's how the typewriter other other people had created, some examples, but the typewriter from her was probably the thing that most led to what we have today.   Aaron Wolpoff, ** 41:17 Oh, I didn't know that. But let me Michael, let me ask you. So I was in LA not too long ago, and they have, you know, driverless vehicles are not the form yet, but they we, I saw them around the city. What do you think about driverless vehicles in terms of accessibility or otherwise?   Michael Hingson ** 41:32 Well, again, so, so the most basic challenge that, fortunately, they haven't really pushed which is great, is okay, you're driving along in an autonomous vehicle and you lose connection, or whatever. How are you going to be able to pull it off to the side of the road? Now, some people have talked about saying that there, there has to be a law that only sighted people could well the sighted people a sighted person has to be in the vehicle. The reality is, the technology has already been developed to allow a blind person to get behind the wheel of a car and have enough information to be able to drive that vehicle just as well, or nearly as well, as a sighted person. But I think for this, from the standpoint of autonomousness, I'm all for it. I think we're going to continue to see it. It's going to continue to get better. It is getting better daily. So I haven't ridden in a fully autonomous vehicle, but I do believe that that those vehicles need to make sure, or the manufacturers need to make sure that they really do put accessibility into it. I should be able to give the vehicle all the instructions and get all the information that any sighted person would get from the vehicle, and the technology absolutely exists to do that today. So I think we will continue to see that, and I think it will get better all the way around. I don't know whether, well, I think they that actually there have been examples of blind people who've gotten into an autonomous vehicle where there wasn't a sighted person, and they've been able to function with it pretty well. So I don't see why it should be a problem at all, and it's only going to get   Aaron Wolpoff, ** 43:22 better. Yeah, for sure. And I keep thinking, you know, accessibility would be a prior priority in autonomous vehicles, but I keep learning from you, you know you were on our show and and our discussions, that the priorities are not always in line and not always where they necessarily should   Michael Hingson ** 43:39 be. Well. And again, there are reasons for it, and while I might not like it, I understand it, and that is, a lot of it is education, and a lot of it is is awareness. Most schools that teach people how to code to develop websites don't spend a lot of time dealing with accessibility, even though putting all the codes in and creating accessible websites is not a magically difficult thing to do, but it's an awareness issue. And so yeah, we're just going to have to continue to fight the fight and work toward getting people to be more aware of why it's necessary. And in reality, I do believe that there is a lot of truth to this fact that making things more accessible for me will help other people as well, because by having not well, voice input, certainly in a vehicle, but voice output and so on, and a way for me to accessibly, be able to input information into an autonomous vehicle to take to have it take me where I want to go, is only going to help everyone else as well. A lot of things that I need would benefit sighted people so well, so much.   Aaron Wolpoff, ** 44:56 Yeah, you're exactly right. Yeah, AI assisted. And voice input and all those things, they are universally loved and accepted now, yeah,   Michael Hingson ** 45:07 it's getting better. The unemployment rate is still very high among, for example, employable blind people, because all too many people still think blind people can't work, even though they can. So it's all based on prejudice rather than reality, and we're, we're, we're just going to have to continue to work to try to deal with the issues. I wrote an article a couple of years ago. One of the things where we're constantly identified in the world is we're blind or visually impaired. And the problem with visually impaired is visually we're not different simply because we don't see and impaired, we are not we're getting people slowly to switch to blind and low vision, deaf people and hard of hearing people did that years ago. If you tell a deaf person they're hearing impaired, they're liable to deck you on the spot. Yeah, and blind people haven't progressed to that point, but it's getting there, and the reality is blind and low vision is a much more appropriate terminology to use, and it's not equating us to not having eyesight by saying we're impaired, you know. So it's it's an ongoing process, and all we can do is continue to work at it?   Aaron Wolpoff, ** 46:21 Yeah, no. And I appreciate that you do. Like I said, education and retraining is, is call it marketing or call it, you know, just the way people should behave. But it's, that's, it's hard. It's one of the hardest things to do.   Michael Hingson ** 46:36 But, you know, we're making progress, and we'll, we'll continue to do that, and I think over time we'll we'll see things improve. It may not happen as quickly as we'd like, but I also believe that I and other people who are blind do need to be educators. We need to teach people. We need to be patient enough to do that. And you know, I see so often articles written about Me who talk about how my guide dog led me out of the World Trade Center. The guide dog doesn't lead anybody anywhere. That's not the job of the dog. The dog's job is to make sure that we walk safely. It's my job to know where to go and how to get there. So a guide dog guides and will make sure that we walk safely. But I'm the one that has to tell the dog, step by step, where I want the dog to go, and that story is really the crux of what I talk about many times when I travel and speak to talk to the public about what happened in the World Trade Center, because I spent a lot of time learning what I needed to do in order to escape safely and on September 11, not ever Having anticipated that we would need that kind of information, but still preparing for it, the mindset kicked in, and it all worked well.   Aaron Wolpoff, ** 47:49 You You and I talked about Uber on on my show, when you came on, and we gave them a little ding and figured out some stuff for them, what in terms of accessibility, and, you know, just general corporate citizenship, what's what's a company that, let's give them a give, give, call them out for a good reason? What's a company that's doing a good job, in your eyes, in your mind, for accessibility, maybe an unexpected one.   Michael Hingson ** 48:20 Well, as I mentioned before, I think Apple is doing a lot of good things. I think Microsoft is doing some good I think they could do better than they are in in some ways, but they're working at it. I wish Google would put a little bit more emphasis on making its you its interface more more usable to you really use the like with Google Docs and so on. You have to hurt learn a whole lot of different commands to make part of that system work, rather than it being as straightforward as it should be, there's some new companies coming up. There's a new company called inno search. Inno search.ai, it was primarily designed at this point for blind and low vision people. The idea behind inner search is to have any a way of dealing with E commerce and getting people to be able to help get help shopping and so on. So they actually have a a phone number. It's, I think it's 855, shop, G, P, T, and you can go in, and you can talk to the bot and tell it what you want, and it can help fill up a shopping cart. It's using artificial intelligence, but it understands really well. I have yet to hear it tell me I don't understand what you want. Sometimes it gives me a lot of things that more than I than I'm searching for. So there, there's work that needs to be done, but in a search is really a very clever company that is spending a lot of time working to make. Sure that everything that it does to make a shopping experience enjoyable is also making sure that it's accessible.   Aaron Wolpoff, ** 50:08 Oh, that's really interesting. Now, with with my podcast, and just in general, I spend a lot of time critiquing companies and and not taking them to test, but figuring out how to make them better. But I always like the opportunity to say you did something well, like even quietly, or you're, you know, people are finding you because of a certain something you didn't you took it upon yourselves to do and figure out   Michael Hingson ** 50:34 there's an audio editor, and we use it some unstoppable mindset called Reaper. And Reaper is a really great digital audio workstation product. And there is a whole series of scripts that have been written that make Reaper incredibly accessible as an audio editing tool. It's really great. It's about one of the most accessible products that I think I have seen is because they've done so well with it, which is kind of cool.   Aaron Wolpoff, ** 51:06 Oh, very nice. Okay, good. It's not even expensive. You gave me two to look, to pay attention to, and, you know, Track, track, along with,   Michael Hingson ** 51:16 yeah, they're, they're, they're fun. So what do people assume about you that isn't true or that you don't think is true?   Aaron Wolpoff, ** 51:25 People say, I'm quiet at times, guess going back to childhood, but there's time, there's situation. It's it's situational. There's times where I don't have to be the loudest person in the room or or be the one to talk the most, I can hang back and observe, but I would not categorize myself as quiet, you know, like I said, it's environmental. But now I've got plenty to say. You just have to engage me, I guess.   Michael Hingson ** 51:56 Yeah, well, you know, it's interesting. I'm trying to remember   Michael Hingson ** 52:04 on Shark Tank, what's Mark's last name, Cuban. Cuban. It's interesting to watch Mark on Shark Tank. I don't know whether he's really a quiet person normally, but I see when I watch Shark Tank. The other guys, like Mr. Wonderful with Kevin are talking all the time, and Mark just sits back and doesn't say anything for the longest period of time, and then he drops a bomb and bids and wins. Right? He's just really clever about the way he does it. I think there's a lot to be said for not just having to speak up every single time, but rather really thinking things through. And he clearly does that,   Aaron Wolpoff, ** 52:46 yeah, yeah, you have to appreciate that. And I think that's part of the reason that you know, when I came time to do a podcast, I did a panel show, because I'm surrounded by bright, interesting, articulate people, you included as coming on with us and and I don't have to fill every second. I can, I can, I, you know, I can intake information and think for a second and then maybe have a   Michael Hingson ** 53:15 response. Well, I think that makes a lot of sense, doesn't it? I mean, it's the way it really ought to be.   Aaron Wolpoff, ** 53:20 Yeah, if you got to fill an hour by yourself, you're always on, right?   Michael Hingson ** 53:26 Yeah, I know exactly what you mean. I know when I travel to speak. I figure that when I land somewhere, I'm on until I leave again. So I always enjoy reading books, especially going and coming on airplanes. And then I can be on the whole time. I am wherever I have to be, and then when I get on the airplane to come home, I can relax again.   Aaron Wolpoff, ** 53:45 Now, I like that. And I know, you keynote, I think I'd rather moderate, you know, I'll say something when I have something to say, and let other people talk for a while. Well, you gotta, you have a great story, and you're, you know, I'm glad you're getting it out there.   Michael Hingson ** 53:58 Well, if anybody needs a keynote speaker. Just saying, for everybody listening, feel free to email me. I'd love to hear from you. You can email me at Michael H i@accessibe.com or speaker at Michael hingson.com always looking for speaking engagements. Then we got that one in. I'm glad, but, but you know, for you, is there a podcast episode that you haven't done, that you really want to do, that just seems to be eluding you?   Aaron Wolpoff, ** 54:28 There are a couple that got away. I wanted to do one about Sesame Street because it was without a it was looking like it was going to be without a home. And that's such a hallmark of my childhood. And so many, yeah, I think they worked out a deal, which is probably what I was going to propose with. It's like a CO production deal with Netflix. So it seems like they're safe for the foreseeable future. But what was the other I think there's, there's at least one or two more where maybe the guests didn't line up, or. Or the timeliness didn't work. I was going to have someone connected to Big Lots. You remember Big Lots? I think they're still around to some degree, but I think they are, come on and tell me their story, because they've, you know, they've been on the brink of extinction for a little while. So it's usually, it's either a timing thing, with the with with the guest, or the news cycle has just maybe gone on and moved past us.   Michael Hingson ** 55:28 But, yeah, I know people wrote off Red Lobster for a while, but they're still around.   Aaron Wolpoff, ** 55:35 They're still around. That would be a good one. Yeah, their endless shrimp didn't do them any favors. No, that didn't help a whole lot, but it's the companies, even the ones we've done already, you know, they they're still six months later. Toilet hasn't been even a full year of our show yet, but in a year, I bet there's, you know, we could revisit them all over again, and they're still going to find themselves in, I don't know, hot water, but some kind of controversy for one reason or another. And we'll, we'll try to help them out again.   Michael Hingson ** 56:06 Have you seen any successes from the podcast episodes where a company did listen to you and has made some changes?   Aaron Wolpoff, ** 56:15 I don't know that. I can correlate one to one. We know that they listen. We can look at the metrics and where the where the list listens, are coming from, especially with LinkedIn, gives you some engagement and tells you which companies are paying attention. So we know that they are and they have now, whether they took that and, you know, implemented it, we have a disclaimer saying, Don't do it. You know, we're not there to give you unfiltered legal advice. You know, don't hold us accountable for anything we say. But if we said something good and you like it, do it. So, you know, I don't know to a T if they have then we probably given away billions of dollars worth of fixes. But, you know, I don't know the correlation between those who have listened and those who have acted on something that we might have, you know, alluded to or set out, right? But it has. We've been the times that we take it really seriously. We've we've predicted some things that have come come to pass.   Michael Hingson ** 57:13 That's cool, yeah. Well, you certainly had a great career, and you've done a lot of interesting things. If you had to suddenly change careers and do something entirely different from what you're doing, what would it be?   Aaron Wolpoff, ** 57:26 Oh, man, my family laughs at me, but I think it would be a furniture salesman. There you go. Yeah, I don't know why. There's something about it's just enough repetition and just enough creativity. I guess, where people come in, you tell them, you know you, they tell you their story, you know, you get to know them. And then you say, Oh, well, this sofa would be amazing, you know, and not, not one with endless varieties, not one with with two models somewhere in between. Yeah, I think that would be it keeps you on your feet.   Michael Hingson ** 58:05 Furniture salesman, well, if you, you know, if you get too bored, math is homes and Bob's furniture probably looking for people.   Aaron Wolpoff, ** 58:12 Yeah, I could probably do that at night.   Michael Hingson ** 58:18 What advice do you give to people who are just starting out, or what kinds of things do you would you give to people we have ideas and thoughts?   Aaron Wolpoff, ** 58:27 So I've done a lot of mentoring. I've done a lot of one on one calls. They told I always work with an organization. They told me I did 100 plus calls. I always tell people to take use the create their own momentum, so you can apply for things, you can stand in line, you can wait, or you can come up with your own idea and test it out and say, I'm doing this. Who wants in? And the minute you have an idea, people are interested. You know, you're on to something. Let me see what that's all about. You know, I want to be one of the three that you're looking for. So I tell them, create their own momentum. Try to flip the power dynamic. So if you're asking for a job, how do you get the person that you're asking to want something from you and and do things that are take on, things that are within your control?   Michael Hingson ** 59:18 Right? Right? Well, if you had to go back and tell the younger Aaron something from years ago, what would you give him in the way of advice?   Aaron Wolpoff, ** 59:30 Be more vulnerable. Don't pretend you know everything. There you go. And you don't need to know everything. You need to know what you know. And then get a little better and get a little better.   Michael Hingson ** 59:43 One of the things that I constantly tell people who I hire as salespeople is you can be a student, at least for a year. Don't hesitate to ask your customers questions because they're not out to. Get you. They want you to succeed. And if you interact with your customers and you're willing to learn from them, they're willing to teach, and you'll learn so much that you never would have thought you would learn. I just think that's such a great concept.   Aaron Wolpoff, ** 1:00:12 Oh, exactly right. Yeah. As soon as I started saying that to clients, you know, they would throw out an industry term. As soon as I've said I don't know what that is, can you explain it to me? Yeah? And they did, and the world didn't fall apart. And I didn't, you know, didn't look like the idiot that I thought I would when we went on with our day. Yeah, that whole protective barrier that I worked so hard to keep up as a facade, I didn't have to do it, and it was so freeing. Yeah, yeah, yeah,   Michael Hingson ** 1:00:41 I hear you. Well, this has been fun. We've been doing it for an hour. Can you believe it? Oh, hey, that was a quick hour. I know it was a lot of fun. Well, I want to thank you for being here, and I want to thank you all for listening. Please give us a five star rating wherever you're listening or watching. We really appreciate it. We value your thoughts. I'd love to hear from you and get your thoughts on our episode today. And I'm sure Aaron would like that as well, and I'll give you an email address in a moment. But Aaron, if people want to reach out to you and maybe use your services, how do they do that?   Aaron Wolpoff, ** 1:01:12 Yeah, so two ways you can check me out, at double zebra, z, E, B, R, A, double zebra.com and the podcast, I encourage you to check out too. We fixed it. Pod.com, we fixed it.   Michael Hingson ** 1:01:25 Pod.com, there you go. So reach out to Aaron and get marketing stuff done and again. Thank you all. My email address, if you'd like to talk to us, is Michael, H, I m, I C, H, A, E, L, H, I at accessibe, A, C, C, E, S, S, i, b, e.com, and if you know anyone else who you think ought to be a guest on our podcast, we'd love it if you give us an introduction. We're always looking for people, so please do and again. Aaron, I just want to thank you for being here. This has been a lot of fun.   Aaron Wolpoff, ** 1:01:58 That was great. Thanks for having me. Michael,   **Michael Hingson ** 1:02:05 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

We digest the new Financial Times ranking of MiM programs and explain who they are for and what kinds of results grads get from these programs

We are privileged to welcome back MBA alumna Jen Asplund for a Check In. Since our last visit Jen left a successful at career AT&T, to start her own leadership coaching business, Asplund Leadership Consulting. With significant leadership experience informed by two graduate programs, she is truly an expert. In business, no area gets more scrutiny than leadership. In this episode, Jen explains why being a great leader doesn't mean being great at everything. It means knowing your own limits and enabling & applauding the strengths of others. Her work helps people acknowledge gaps, develop skills, and embrace that an organization's strength comes from teams of individuals inspired to work towards a common goal. Give it a listen.

SD323 - Domine as suas Finanças através do DRE. Neste episódio, Dr. Lorenzo Tomé conversa com os cofundadores da De$ifra, Marcos Suzano e Felipe Coelho, sobre a importância do Demonstrativo do Resultado do Exercício para o médico que quer ter controle real das finanças do seu consultório. Entenda por que acompanhar, conhecer e analisar seus números é essencial para não entrar na estatística dos 60% dos negócios que fecham em menos de 5 anos, aumentar sua lucratividade e reduzir seus custos. A De$ifra é uma empresa que cuida da saúde financeira do consultório médico a partir da integração do seu sistema exclusivo com o sistema Open Finance para o médico acompanhar lucros, custos e indicadores de forma simples, recorrente e sem burocracia. Pense nisso: "Não se gerencia o que não se mede, não se mede o que não se define, não se define o que não se entende, e não há sucesso no que não se gerencia." por William Edwards Deming O podcast Saúde Digital te ajuda a abrir a mente? Dois dias de imersão com a gente pode potencializar isso ainda mais e fazer muito pelo seu negócio médico. Garanta sua vaga com 10% de desconto na Imersão da SD Escola de Negócios Médicos nos dias 29 e 30 novembro/2025. Só clicar AQUI. Participe da comunidade SD Escola de Negócios Médicos. Acesse AQUI! Baixe nosso app: Android ou IOS O Background do Marcos Engenheiro de formação pelo IME, ele trabalhou no mercado financeiro por um tempo. Marcos fez um MBA em Michigan/EUA e trabalhou um tempo fora do país com M & A e contruiu uma carreira longa no mercado financeiro fora do país e no Brasil. Ele voltou agora ao país como diretor do banco suíço UBS.  O Background do Felipe Formado em Administração e com pós pela FGV, Felipe trabalhou como um BPO em empresas, estruturando suas áreas de finanças. Assista este episódio também em vídeo no YouTube no nosso canal Saúde Digital Podcast: AQUI! Acesse os Episódios Anteriores! SD322 - Médico, Quando é hora de abrir Seu Próprio Consultório? SD321 - Accountability do paciente: a nova fronteira do tratamento médico SD320 - Médico, comece primeiro, depois fique bom! Music: Climb | Declan DP "Music © Copyright Declan DP 2018 - Present. https://license.declandp.info | License ID: DDP1590665"  

How are LGBTQ+ Jews navigating today's overlapping crises in Israel and in America? In this Z3 Podcast episode, Rabbi Amitai Fraiman speaks with Hila Peer and Asher Gellis about the impact of rising antisemitism and anti-LGBTQ+ sentiment at a moment when community feels both more fragile and more essential than ever. The aftermath of October 7 saw rising tensions around LGBTQ+ identity in Jewish and queer spaces alike, and the polarization in both Israel and America have placed enormous pressures on an already vulnerable community. They conversation explores the heated debate over pinkwashing and how it has shaped perceptions of Jewish LGBTQ+ activism. What unfolds is a candid and deeply personal conversation about personal identity, community belonging, and the shared values that can sustain Jewish communities through times of crisis.About Our GuestsAsher Gellis, MBA, founder and CEO of JQ International earned a BA in Political Theory from UCLA and an MBA from Pepperdine University. Prior to launching JQ International in 2004, Asher served as the Regional Director for Hadassah's Young Judaea in California, Nevada, and Hawaii. He created curriculum for the Bureau of Jewish Education in Los Angeles, and guided teen scholastic Israel tours. Asher has launched dozens of groundbreaking LGBTQ+ Jewish programs and services affecting tens of thousands of lives and steering the Jewish Community towards greater LGBTQ+ inclusion for generations to come.Hila Peer is the Chair of the Aguda – Israel's LGBTQ Association, the country's pioneering LGBTQ organization established in 1975, now celebrating 50 years of activism. A respected leader and passionate social activist, she has spearheaded major advances in civil rights and pro-LGBTQ legislation in Israel. Re-elected as Aguda's Chair since 2020, Peer is recognized as one of the most prominent voices of Israel's LGBTQ community and a proud mother of twins.(00:00) Introduction(03:14) Meet the Guests(05:34) The U.S. Experience(07:47) The Israeli Experience(12:25) Polarization and Internal Divides(18:03) Proximity and Resilience(20:00) Media, Families, and Acceptance(25:00) What Makes a Community?(26:49) Debates over inclusion: “Drop the T” controversy(32:14) Understanding divides within the LGBTQ+ community(40:10) Pinkwashing and Tokenization(53:36) Extreme Polarization(54:44) Judaism and Advocacy(1:03:07) Signs of Hope

In this episode of Voices of Otolaryngology, host Rahul Shah, MD, MBA, talks with Srinivas R. Kaza, MD, a veteran otolaryngologist from Rochester, New York, who leads by example when it comes to creative, resourceful practice growth through  marketing and reputation management. Dr. Kaza explains how his group leverages word-of-mouth, Google reviews, patient feedback, and targeted outreach to referring doctors. Dr. Kaza breaks down lessons from his panel presentation at the 2025 AAO-HNS/F OTO Forum on how practices can tailor their marketing strategies based on budget, market size, and local needs.  Listeners will also hear tips on handling negative reviews, building loyalty through authentic engagement, and why focusing on the Four A's—affability, availability, accountability, and ability—creates a lasting flywheel of growth.

The way we work has significantly evolved—from traditional in-office settings to fully remote environments, and now toward a hybrid model that blends both. While this hybrid approach offers flexibility and balance, it also brings new challenges, such as tracking who is working where and when. Fortunately, advancements in AI and technology are providing tools to enhance productivity and collaboration. One such solution is Deskme.com, which offers an innovative platform designed to help teams manage the complexities of hybrid work more effectively. Vitaly Stockman join us today!Vitaly Stockman is the Co-Founder and CEO of DeskMe, a technology startup revolutionizing office workspace management with a user-friendly platform for desk and meeting room bookings. He also serves as Vice President at DataPartner, a leading SaaS company known for its Invest for Excel® software, which empowers corporations with advanced tooling for CAPEX investment analysis, financial modeling, business valuation, and financing calculations. Born in Latvia with Russian heritage, Vitaly brings a global perspective, having lived in the United States and Finland. He holds an MBA in Information Systems Management from Haaga-Helia University of Applied Sciences in Helsinki, Finland. Passionate about innovation, Vitaly closely follows trends in humanoid robotics and artificial intelligence. Recently, Vitaly started learning to navigate sailboats as a new hobby. Contact InformationVitaly Stockman- Deskme.com or vitaly@deskme.comBenny Carreon- Velocity Technology Group- benny@velocitytechnology.groupDennis Jackson-WorX Solution- dennisj@worxsolution.com

Is the pursuit of the "perfect" customer experience actually holding brands back from achieving true agility? Agility requires a willingness to embrace calculated risks and adapt quickly to changing market dynamics. It also demands a shift in mindset, from a focus on rigid planning to iterative experimentation and continuous learning. Today, we're going to talk about how brands can navigate the ever-evolving retail landscape by prioritizing agility and leveraging technology to enhance the customer experience. To help me discuss this topic, I'd like to welcome Tom Schmitt, CEO at Radial. About Tom Schmitt As Chief Executive Officer, Tom oversees the leadership of Radial North America's Managing Committee, bringing his strategic vision and operational expertise to our team. Tom joins Radial with over 20 years of executive leadership experience in supply chain logistics. Most recently, Tom led commercial growth and rigor for Nikola Corporation serving as Chief Commercial Officer. Prior to Nikola, Tom spent 12 years at FedEx and serving as CEO of FedEx Supply Chain; leading Forward Air Corporation as President, Chairman and CEO; leading Canadian parcel and freight corporation Purolator as CEO; and also heading up the global Contract Logistics business as a management board member for DBSchenker. In addition, Tom has served on several Boards of organizations focused on various aspects of the supply chain. Tom holds an MBA as a Baker Scholar from Harvard Business School as well as a Bachelor of Arts in European Business Administration, First Class Honors, from Middlesex University. Tom Schmitt on LinkedIn: https://www.linkedin.com/in/tschmitt1965/ Resources Radial: https://www.radial.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow Catch the future of e-commerce at eTail Boston, August 11-14, 2025. Register now: https://bit.ly/etailboston and use code PARTNER20 for 20% off for retailers and brandsDon't Miss MAICON 2025, October 14-16 in Cleveland - the event bringing together the brights minds and leading voices in AI. Use Code AGILE150 for $150 off registration. Go here to register: https://bit.ly/agile150" Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.showCheck out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

Sam is the Founder of Saratoga Group and a private equity real estate fund manager with over $300M AUM, specializing in revitalizing mobile home communities. Active in real estate since 2009, his expertise spans distressed assets, land development, and multiple CRE asset classes. Passionate about affordable housing and community impact, he serves on the Auburn Economic Development Council and the board of Auburn Sutter Faith Hospital. Sam holds an MBA from Wharton and a BS in Chemical Engineering from BYU.   Here's some of the topics we covered:   Rich Dad Poor Dad and the game-changing influence it had on Sam How Sam broke into mobile home community investing Creative financing strategies in the mobile home space How to handle non-payment challenges in mobile home parks Why mobile home communities are disappearing across America Breaking down Fannie Mae and Freddie Mac debt in mobile home parks Sam's must-hear advice for aspiring investors The keys to hiring and managing great operators for mobile home parks   To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com    For more about Rod and his real estate investing journey go to www.rodkhleif.com   Please Review and Subscribe  

Keith discusses the factors driving rent growth, emphasizing income growth, supply constraints, and affordability.  He highlights that population growth has a weak correlation with rent growth, citing examples like Austin and San Francisco. The fastest rent growth is in San Francisco (4.6%), Fresno (4.6%), and Chicago (4%), while Austin (-6.8%), Denver (-5%), and Phoenix (-4.1%) show declines.  GRE Coach, Naresh Vissa, joins the conversation to talk about the administration's focus on lowering rates and the potential for higher inflation as a result. He encourages investors to stay informed and take advantage of opportunities when rates are low. Resources: Book a free coaching session with Naresh at GREinvestmentcoach.com Show Notes: GetRichEducation.com/570 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, vital trends are moving the rental real estate market. And learn what really drives rent growth. It's probably not what you think. Then inflate, baby. Inflate. Why this administration wants inflation today on get rich education.   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:08   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:18   You Keith, welcome to GRE from Whippany New Jersey to Parsippany New Jersey. Not much distance there and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to this week's episode of Get rich education, where it's not just about your ROI. It's about your roti, your return on time invested, and your return on life. Everyone says that population growth is what drives rents, yes, but that's just one part of it, and it probably isn't even the most important factor. There is evidence of this, from Harvard research to what HUD has found. Austin, Texas recently added 500,000 people, rents spiked, and then supply flooded in and rents stalled. Head count wasn't enough. I discussed that in depth when I walked the streets of Austin last year. San Francisco lost population, but yet rents rebounded and remain among the highest in the nation. Harvard's housing research shows that population growth only has a weak correlation with rent growth. So what actually does drive rents? Well, income growth, supply constraints, and then staying under the 30% affordability ceiling, which is HUD's definition of what a cost burdened household is, right? That means that a tenant spends more than 30% of their income on rent. That is cost burden, and this pattern holds from ancient Rome to modern Manhattan, rents follow paychecks, not head counts and on the supply side, well, not all metros are created equal. Some have quantified it with what's called a supply elasticity score, places like Houston can seemingly build endlessly, while Manhattan and San Francisco cannot. So it's that difference that explains why incomes turn into rent growth in one market but not in the other. So if you're chasing fast growing metros, okay, but be careful, because headcount does not equal pricing power. Paychecks are what do well today, rents are falling in boom towns, but they're climbing in what we would call legacy, established metros, the year over year, rent change across US, metro areas really has a striking contrast. The three with the fastest rent growth are San Francisco up 4.6% Fresno also up 4.6% and Chicago up 4% and the three biggest declines in rent are Austin down 6.8% Denver down 5% and Phoenix Down 4.1% rent contraction in those three cities. And here's the problem during that 2020, to 2022, real estate surge. Years ago, investors piled into Sun Belt markets, and they sort of expected this endless growth, but then new supply flooded Austin, Phoenix and Denver, pushing rents down and vacancies up, and all three of those are cities that I visited during the boom and I saw the. Cranes in the air myself, and yet, at the same time, older supply constrained metros, like in the northeast, in Chicago and in San Francisco, they are quietly regaining momentum. That's where demand is steady. Construction is limited, and that's why rents are ticking higher. So this is why, like I've talked about before, it's good for you to invest in some Sunbelt areas, say, like Florida and then others that have this steady demand, like, say, a place in Ohio. And it's worth pointing out, too, how unusual it is that a city like Austin has a 6.8% rent contraction. We all know that housing prices are more stable than stocks, sure, but real estate rents are even more stable than housing prices, so this rent aberration that was caused by such wild overbuilding in Austin. Now, I recently attended a presentation on the rental housing market. It was put together by John Burns. He's the one that presented it, and he's the owner of the eponymous John Burns research and consulting. And people pay good money to attend these presentations, and he's a guy worth listening to, always with good housing market insights, and some of his insights while they're the same ones I've shared with you for a while, like how there's been a persistent lack of housing supply in the Northeast and Midwest, and still an abundant supply in the south. The Northeast is the only region of the nation that's adding more jobs than new homes at this time, the top amenities that tenants want today are a driveway in a yard. Pretty simple things. They're not a pool in a clubhouse. They're a driveway in a yard. And if you think about them, it totally makes sense, and that's why single family rentals have become such a booming industry, because that's where tenants are getting a driveway and a yard and burns. Also pointed out that most US job growth is in low income jobs. The presentation talked mostly in terms of headwinds versus tailwinds. Lower immigration. Well, that's a headwind. That's a bad thing for real estate investing, since immigrants tend to be renters. The tailwinds The good thing that includes less future supply coming out of the market, fewer apartments and fewer build to rent, deliveries coming online, fewer being added between today and 2028 and another positive for the next two decades at least, is the fact that since people are having fewer kids, that makes people less likely to settle down, buy a home and need a good school district. Well, that is good for people renting longer, longer tenancy durations, and John Burns also spotlighted how building material cost inflation is up 40% from pre pandemic times fully 40% more in material costs. But that Spike has since flattened out. However, it is just another reason why home prices can't really fall substantially. Today's prices are baked in, and his summary overall is to be bullish and bet on the tailwinds those real estate investing positives that is mostly due to future rent growth because the new supply is going away, and it's going to continue to stay difficult to buy a home, more rent growth, and that's the end of what he had to say. So as you're out there, targeting the right areas and renters for your properties, I've talked before about how new build rental property is a sweet spot, since your builder will often buy down your mortgage rate. For you, new build is where you can attract a good quality tenant. Look for a moment, just forget finding a tenant that can just barely afford your unit because they're spending 30 to 33% of their income to pay you rent, because, see, in that condition, there's no room for you to get a rent increase. If you can offer great value to your residents and target a 10 to 15% rent to income ratio, aha, you are really in good shape, because the easiest rent growth is retaining happy residents that are conditioned to accept 5% rent increases. Well, that is more likely in a nice new build property. That's where you attract a better tenant. And if they were to move out, they would have to take a lesser property so they will stay and pay the rent in. Increase, and they're going to have the capacity to do so when the rent is only 10 to 20% of their income.    Keith Weinhold  5:25   Now, when we talk about a major factor that trickles down to rents, the level of inflation, a lot of this comes down to the Fed chair and even the president, to some extent. And you know what's interesting, half the nation bashes whoever is president, and the entire nation bashes whoever is the Fed chair. Look, every recent Fed Chair has been maligned and bashed more than a pinata at a toddler's birthday party, bashed open more than an umpire at a little league game. Well, since 1980 there have been five of them, Volker, then Greenspan, then Bernanke, then Yellen and now Jerome Powell, most of that group is known for substantially lowering interest rates, yet they've remained unpopular anyway. And you know the irony here? The most popular of these five is Paul Volcker. He's the only Fed chair that's celebrated, and yet he jacked rates in the 1980s to up near 20% yes, 20% he really made borrowers feel the pain, but yet he's the only guy that's celebrated, because that's how he stomped that out of control inflation fire, 45 years ago, in 1981 mortgage rates peaked between 18 and 19% yet Somehow he's the Fed share that we celebrate? Well, here in more modern times, will the Fed eventually have to do the same thing? This is because Trump wants inflation now. The short term, talk is about lowering interest rates, but there are so many inflationary forces that you've got to wonder about how interest rates could very well go much higher later to get on top of this inflation that I'm telling you Trump actually wants. Now, of course, no one is going to come out and explicitly say that they want inflation, but that is now so implied, there are a ton of policies that the administration favors that are super inflationary. Some are a little deflationary, like deregulation, but they are overwhelmingly inflationary. Look tariffs, that's inflation on goods, mass deportations, that's labor inflation, reshaping the Fed in order to lower rates. That's inflation, the one big, beautiful bill, act that's lots of spending and largely inflationary. I'm telling you, Trump wants inflation now I'm not here to evaluate these policies for being good or bad. This is about policies, not politics, and understand it's not just the US government. It's every government everywhere that secretly wants inflation. And why do they want that? Well, first, it fuels spending. If you know that your dollars are going to shrink in purchasing power tomorrow, well then you're going to spend today, and consumer spending makes up 68% of us. GDP, yes, Amazon, thanks, you. Secondly, inflation shrinks the government's debt. The third reason that governments everywhere want inflation is because it foils deflation. In a deflationary world, people hoard cash like its gold bullion, tax revenue dries up and the economy stalls, and also inflation. It facilitates wage adjustments. It helps the labor market function. If economic conditions are weak, well, then employers can implement real wage cuts just by keeping salaries flat right where they're at. I mean, that is so preferable to cutting nominal wages directly and giving employees a pay cut notice. Everyone hates seeing that. So those are what four big reasons why governments will take their gloves off and fight in a steel cage match to the death to ensure inflation. So most expect a rate cut at the Feds meeting next week. But if this continues and there were massive cuts, you know, there's something else you've got to ask yourself, do you really want to live in an economy where massive rate cuts occur. I mean, that's what the 2008 global financial crisis and the covid pandemic in 2020 brought to us. So massive cuts mean there's some giant problem out there. Therefore, although the Trump and Powell rivalry, it might make you. Interesting theater and headlines. You know, let's not get carried away. Let's put things in perspective. What matters to you more is how many dollars you're leveraging, the efficiency of your property operations and the quality of your business relationships. Really, the bottom line is that fed tweaks are background noise inflation, that is the long term engine that makes your real estate profitable. Focus there, and let the politicians keep doing the yelling concerns about ongoing inflation and what that means for real estate investors, that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  8:57   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  8:57   You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family. 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family, to 66866,   Ken McElroy  17:26   this is Rich Dad advisor Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  17:34   we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach since 2021 he's helped you completely free, usually over the phone, learning your own personal goals and then helping you find the market that's the right fit for you, and even help connect you with the exact property address that helps you win the inflation Triple Crown, like say, 321, Mulberry Street in Chattanooga, Tennessee. They say that formal education will make you a living self education will make you a fortune. Well, he's got them both. He's slinging an MBA, and he's an active real estate investor just like you and I. Hey, welcome back to the show investment coach and race Vista.    Naresh Vissa  18:25   Hey, Keith pleasure, to be back on.    Keith Weinhold  18:27   Inflation is something that affects real estate investors even more so than it does the general public. Since we're borrowing large sums of money and the inflation discussion sure has been interesting lately, you just can't quite get rates back down to 2% still, they've been elevated for years. So talk to us from your vantage point about inflation and future inflation concerns.   Naresh Vissa  18:51   Well, Keith, I am concerned about inflation. This is the first time in a year or so that I'm concerned with the direction and with the policy surrounding inflation, here's why. And I brought this up when I was on your podcast in July, the current administration is not talking at all about the fact that inflation is rising. We saw the CPI, for example, hit 2.3% which was four year low earlier this year, and since then, inflation has gone up. That is concerning, that inflation is going back up without any rate cuts. Yet it's gone back, I don't want to say gone back up, but it's gone up. And remember, the Federal Reserve inflation target is 2% so we want to get as close to 2% as possible. And the number one issue in the 2024 election, and the number one issue today is still the cost of everything is right, is too much, which we'll talk about, from gas prices to home values to rents to grocery that's the. Big one, the cost of groceries, the stuff that you buy at grocery stores, etc, everything is just too expensive. Of course, education, you name, childcare, everything is just too expensive. Inflation is still, I think the administration needs to really tackle this problem. They need to really, really tackle it, because it is the number one issue. It is what people essentially, their vote is, is based on it's not necessarily based on some peace agreement in a foreign nation. It's not based on some social issue. The number one issue is going to be this inflation problem. It's are things affordable? Do I have money in my bank account to pay for X, Y and Z? So I am concerned because, yes, tariffs are inflationary. That's kind of common sense. Now I think tariffs can be good. Tariffs can keep inflation in check. If they're handled the right way, we will see that. But my bigger concern is that inflation has been rising. We're not anywhere close to that 2% and we know with a very high degree of certainty that the Federal Reserve is beginning their rate cutting cycle next week with the September rate cut, and that's going to be extended. We've seen President Trump. He's very public, his Treasury Secretary, his Secretary of Commerce, all the economic advisors who he has, they're very transparent about the fact that they want rates slashed, and they want rates slashed quickly. And so we know that we're going to get a rate this is going to be a rate slashing cycle. It's going to be great for the upper class, if you want to call it, it's going to be great for real estate investors, but for the common man, the byproduct of that is going to be higher inflation. There's just no way that you can cut rates so quickly, so low, and you're not going to see inflation. That's my concern. Now on the other hand, and again, we have to see how this plays out. On the other hand, I brought up earlier this year, I've referenced Doge. I think Doge is doing a good job cutting government spending, trying to scale back some of the government initiatives, not that the government's always going to spend we know that, but it's you need to cut back, and doges is trying to do that. That's a plus. But even bigger, I talked about some foreign wars, right? Well, I think that the Middle Eastern conflict and the Russia Ukraine conflict, both of those actually are disinflationary, or fixing those conflicts, creating peace. We've seen a ceasefire in the Middle East. We've seen a peace agreement in Ukraine, and they're disinflationary because of some of the items that I brought up. I think oil is going to dip below $50 a barrel as a result of these peace agreements, these ceasefires. So we're going to see oil prices go down. When you see oil and energy prices go down, you see the cost of almost everything else go down, because you need oil and energy to transport everything else. If you're building a house, you have wood and steel and lumber and and all sorts of materials. And it's you need a truck to transport all that. And the truck is probably it's not an EV truck. You're getting these big trucks that are using diesel fuel. So if we can bring down the cost of of oil and gas and electricity, which these taking care of these conflicts will do, creating peace will do the price of those products, oil, the natural gas, the electricity, the wheat, the grains, those are your groceries. The cost of those are going to come down. So I think it's very positive what we're seeing with this idea of peace in regions that make a huge difference to the global economy. So I'm curious to see, like I think we could see greater than 100 basis point decrease in inflation just by solving these conflicts 1% or more, like I legitimately think so, and that's without the tariffs. That's without the federal rate cut. So even if we're at, let's say, two and a half percent inflation today, and you shave off 100 basis points up now you're at one and a half, and then you throw in tariff inflation, you throw in the rate cut inflation, and we're around 2% so that's the ideal scenario that the administration is hoping for. It's let's create peace, let's have a freer market, and then they can scale back a lot of these tariffs too, because many of these tariffs against India, for example, they can scale back the United States can scale back the 50% tariff on India. That tariff was India got hit with because they're buying Russian oil, and you take care of the Russia conflict. Now it's we say, oh, India, you know, we'll scale back to go back to your 25% tariff, or maybe even less, if you do X, Y and Z. For us, we can expect to see many of these tariffs scaled back. We can expect to see the price of specific goods and services, the prices decrease, which will bring down inflation. That's what I'm optimistic about. Hopefully all these agreements hold, which I think they will, and we can expect that, and the Fed can begin its rate cutting cycle, and everything will be booming, and everything will be great. This is the. Deal scenario. I'm not predicting this. This is the ideal scenario for the administration,   Keith Weinhold  25:05   when both war and terrorists get as bad as they can possibly get. From there, they can only get better, each of which would be disinflationary. Now, the CPI inflation has been reported at 2.7% each of the past two months. But when we talk about rates, Trump wants lower rates, of course, and I think we all know that the Fed's fear of lowering rates is that high inflation could resurface. One thing though, that few think about is that lower rates lead to higher inflation, which kills off the national debt faster. But when we think about upcoming federal reserve rate cuts anytime, whether this was 10 years ago today or 10 years into the future, these are the type of lessons that I like to talk about. All right, when we look at the last Fed meeting, there was no rate cut, but then awful jobs numbers were reported right after that. That's why some think that there could be a 50 point rate cut at the next meeting. The Fed meets eight times a year, so there's about a month and a half between meetings. Now, the Fed doesn't have to wait for a meeting to make a rate cut. They can do an emergency rate cut between meetings, like we saw during covid, but sometimes they're reluctant to do that because that really spooks markets, and that makes people think, oh my gosh, there was an emergency rate cut. Maybe things are worse than we thought. What's going on that triggers concern?   Naresh Vissa  26:24   Well, I think that would be a huge mistake to have an emergency. Yeah, anatomic was obviously an emergency. That was a global emergency. Makes sense. 2008 I remember, I was just college student, but that was an emergency because we saw people lining up on the streets of Manhattan with all their boxes of laid off work, and we saw that on Phoebe. You know, that was a trying time. I think that's out of the question. It's completely unnecessary, especially when the Fed meets every 45 to 50 days. It's, you know, you can wait another 20 days until the next meeting and then make a decision when you have lower rates than the cost, the borrowing costs on the debt, it goes down so the government can refinance its debt, and they would pay less keyword interest dollars. That's a plus, the other plus with tariffs. And I really hope, again, this is just my opinion. I hope this is what happens. But the government is raising quite a lot of tariff revenue, so close to $30 billion last month. And we can expect, in the first full year, next year, it's going to have raised close to half a trillion dollars just for fiscal year 2026 that's the expectation, about half trillion dollars worth of tariff revenue. And I hope that the government uses that pair of revenue to pay down the debt, because when you're paying down the debt, you're dissipating inflation. What I actually don't want them to do is to give us back that money, because they've been floating that around, saying, Oh, we got all this tariff revenue. Let's get it back as a tariff dividend, and every American gets hex, you know, $100 in their bank account or something   Keith Weinhold  28:01   very altruistic. Of you patriotic,   Naresh Vissa  28:04   I would much rather that they use 100% of it to pay down that debt, because the country is going to be better off as a whole over the long term, and in turn, the people will be better off over the long term. The people may not see it. They may want their $200 check or $100 check or whatever it might be, but over the long term, I think the tariffs are overall working out quite well. We're not seeing the crazy inflation that the mainstream expert predicted. I don't think we're going to see the crazy inflation that the experts predicted, if you it's not going to be because of the tariffs, in my opinion, I think it's going to be if there's this aggressive rate cutting cycle that juices the markets and the cost of everything just just goes up. And this ties into real estate investing, because when the Fed starts cutting, that's a very good time for real estate investors to pay attention when the Fed stops cutting immediately. That's a an even better time to pay attention when the rates have bottomed. And this has to deal with timing the real estate market. I'll give you an example. I own several properties. Of one of my properties when the Fed was cutting in 2020 it took about a year for all those cuts to permeate into the mortgage market and into the the market as a whole. It took it. The inflation didn't go up overnight. The inflation didn't go up in April of 2020 or or May of 2020 it went up in April of 2021, it took about a year. So I actually refinanced one of my properties in July of 2021, I refinanced my my property, and I saved about 110 basis points on that refinance. And that's what I mean by timing the market. Because, if you're paying attention, part of it was I knew, Okay, the Fed has stopped. It's cutting. And you know, let's follow the more. Good market. Let's follow the Treasury yield curve and all that. And I jumped in. I literally refinanced at the bottom, like at the absolute bottom. There was about a three month window that was the bottom, and I refinanced. I did the application all that at the beginning of those three months, and it was and I got that great rate at the end of those three months. And I think there's going to be a tremendous opportunity for real estate investors. And I'm sure the Bane This is why I'm a little concerned about inflation as well, because the big hedge funds, the big real estate investment firms, the big banks, the blackstones, the blackrocks, they're going to be ready, and they're going to buy up. They're going to buy up real estate again, and investors, including our GRE investors, they're going to start buying up too. So pay attention. We're going to cover it here. We're going to cover it here, on the podcast and in the newsletter. But pay attention to these rates, because it'll be, I don't want to say, a once in a lifetime opportunity, but it will be a once in a cycle type of opportunity to jump in and get some bottoming real estate values as well as bottoming real estate mortgage rates at the same time. So that equilibrium point is only, like I said, about three or four months long. So we're going to be coming to that point and timing it sometime, I think next year, 2026   Keith Weinhold  31:21   talk to us about the vibe that you're getting from GRE listeners that contact you for a free coaching session. It's really hard to time the real estate market. Why don't you help us out with that? Let us know about a listener or two that you recently helped.   Naresh Vissa  31:37   Well, we have free real estate investment coaching here at GRE. It's absolutely free of charge. You can call, text me, email me whenever you'd like. People can book a free meeting with me, and it's a session. It's an immersive session on real estate investing. So we can go over all of that on our call. You can reach out to me unlimited times, like I said, it's I'm here just to help you throughout and along your real estate investment journey, I've helped hundreds of people invest in real estate, hundreds so it's buying turnkey, cash flowing real estate properties, so our investors can buy properties, and use my guidance and advice to help them buy properties. I also help them if they already own properties, how to optimize their portfolio, how to find new markets. I help them with their existing properties, dealing with property managers, with contractors, even with issues that things aren't always great in real estate, sometimes things can be bad. So listener Paul, for example. Listener Paul, he had a problem with the builder, and he submitted earnest money, and he wanted his earnest money back. Many, many years had gone by, and he came to me and he said, Hey, Naresh, you know, I've got all this money tied up, and the builder's not giving me the money back. Can you help me? And so I got him in touch with the right people, and within three or four months, he got all of his money back, plus interest on all the missed payments. So he got everything back as a lump sum, and then he thanked me and said, Thank you so much. I can sleep better at night, and I'm just I'm doing very well now, and he was ready to buy his next property.   Keith Weinhold  33:15   That's an example of where a deal went wrong and the builder didn't perform and build a property.   Naresh Vissa  33:19   Yes, exactly. Think of me as a trusted advisor, but also as a super connector, someone who can get you in touch with all the right companies and people to make real estate investing very sound. We have listener Joe, who bought many properties through us. He bought his first property through me and through GRE through our coaching program, and that first property worked out really well. So then he said, Hey, I want to buy a second property about six months later. So he bought a second property, and that worked out well. And then he said, let's go with it. And he bought all these with the same provider. So once he reached four, because my rule is, you don't want to go more than four or five in one market. Then he asked me for the next he said, what market do you recommend next? So then I recommended the next market, and then he bought another three or four in that market, and he built a nice little portfolio of seven or I mean, some people think it's little, some people think it's big, of seven or eight properties. So that's very common with the coaching program, where our listeners are really happy. If things are going great, I'm here for them. If things are not going the way that they expected, I'm here to help fix that problem.   Keith Weinhold  34:30   Maurice, is there to help you start building and grow a portfolio. Now, how do you yourself analyze deals and find properties before you let our listeners know about them?   Naresh Vissa  34:40   Well, we work with 15 to 20 different providers around the country, 15 to 20. So these providers are always reaching out to me, emailing me, calling me, leading me voicemails, texting me, saying we've got this great deal. We've got this great incentive. So I parse through all of that, and I find a handful of what I think is best. US and many of these deals, I send them to you, Keith, to promote in your Don't quit your Daydream newsletter, which people can subscribe if they go to get rich education.com. I send them there, and I let our listeners know on the phone when they set up calls, or I have notes on every meeting. So I'm able to send all of these deals to them, and that's how I put the best deals in front of them.   Keith Weinhold  35:25   Most of the coaching calls are over the phone rather than zoom the race. Sure can arrange a zoom call with you if you prefer. You really don't need to do too much to prepare for the call either.   Naresh Vissa  35:38   No, not at all. Just sign up for the meeting, and I'll run things. I'll run the meeting, I'll run the call. It's very straightforward. It's a session. It's very immersive, very interactive.   Keith Weinhold  35:49   Yeah, and you just have to book a time with Naresh once there and afterward. Yeah, it's really casual. Naresh is very open to you text messaging him if you have any ideas, or if you just heard about something on the show that you want to know more of. But yeah, booking that first coaching call is really what opens the door to the communication. And you really staying up to date on things. You can find a race through GRE marketplace. And alternatively, you can learn more about him with his bio. And importantly, book a time on his calendar by going directly to GREinvestment coach.com for a while now he's had times available Monday through Friday, and even some weekend slots available, and yeah, keep in touch with him, because property inventory is ever changing, especially with late breaking news like we've had this year of Home Builders Offering major incentives like buying down your mortgage rate to about 5% so staying up to date has hopefully brought you, the listeners, some really big wins already this year. Naresh, do you have any last thoughts?   Naresh Vissa  35:49   Definitely book a meeting with me. You won't regret it. I think even if you think that you own all these properties, you have all this experience, I think you'll find that the resources we offer it through our free coaching program, there will be one or two nuggets that you didn't know about that will still help you. So it doesn't harm anybody to book that free session with me. If you don't think you need my help, maybe it's just a five minute call and we touch base and we're good to go. That's fine too, but I highly recommend that people get in touch with me. We go from there so that you can continue to have a fruitful investment journey.   Keith Weinhold  37:28   Naresh has been valuable as always. Thanks for coming back out of the show.    Naresh Vissa  37:31   Thank you very much, Keith.   Keith Weinhold  37:38   Yeah, some sharp insight from Naresh as always. Now, when you think about making your next property move, consider how, compared to a few years ago, uncertainty has largely abated and real estate has stabilized. Think about how back in 2020 covid was the big uncertainty concern 2021 it was this real estate boom and an inventory shortage. You would get 50 or 80 offers on one property, and buyers were waiving inspections. That was tough. That was such a seller's market in 2022 that's when you had inflation and the supply chain chaos. That's when CPI inflation peaked at 9.1% in 2023 the big uncertainty concern was interest rate shock and the affordability crisis. And last year and this year, they've pivoted more to macro economic concerns. So therefore today's chief concern gets somewhat more buffered from real estate. Now I discussed the direction of rents earlier in today's show, the recently released Kay Shiller numbers came out, and they show that national home prices are up almost 2% annually, 13 cities or higher and seven or lower. By the way, this continued nominal price appreciation that frustrates the bejesus out of those perpetually wrong crash predictors. They have been wrong even longer than the people waiting for flying cars to show up. And where will prices continue to go from here, probably even higher now, America just hit somewhat of a milestone in this cycle. You might remember that mortgage rates peaked at 7.8% almost two years ago. Well, mortgage rates have now slid down to six and a half 6.5% and here's why this has become significant, right? Just compared to when rates were 7% per the nar 2.8 million Americans now qualify to buy a home. 5.5 million more will qualify at 6% and 7.7 more will qualify at five and a half percent. My gosh. Now. Now, of course, not every newly qualified buyer is going to pounce on a property, but only if a fraction of those do. Can you imagine how this demand increase will stoke prices? There are still only about 1.1 million homes available today. So not only are mortgage rates at a fresh low, but inventory choices, although they're still historically low, they are now at a six year high, and this is all while there's less buyer competition. So today's buyer conditions are really improving, and the bottom line here is that you are in the best position in more than five years to find the right property while still avoiding a bidding war, you have really got some properties to choose from. That is the takeaway, and you don't need to do much to prepare for an immersive free call with Naresh. You know what your situation is, although you probably do want to have about a 20% down payment for a property ready to go, some of which cost as little as 200k in these investor advantage markets, whether you've never bought any property in your life, or if you have dozens, it probably will benefit you. You can easily book a time that works best for you right on a GRE investment coaches calendar that way. There's no back and forth, and you can set it up now. Should you so choose at GRE investment coach.com Until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 3  41:38   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  42:02   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre, 266, 866, while it's on your mind, take a moment to do it right now. Text gre, 266, 866,   Keith Weinhold  43:18   The preceding program was brought to you buy your home for wealth, building, get richeducation.com

Struggling to get your spouse involved in retirement planning?You are not alone. Many financially-minded partners lose their spouse's attention by jumping straight into 401(k) allocations or tax strategies. The result is glazed eyes and little engagement.This approach works differently. Start with powerful, open-ended questions that spark curiosity and connection. Ask things like “What does your perfect retirement day look like?” or “If we had to spend $150,000 this year, how would you want to use it?” These prompts bypass resistance and lead to meaningful conversations about dreams, priorities, and lifestyle.When you know whether your partner envisions constant travel or staying close to home, or whether they fear losing purpose more than running out of money, you can build a plan you both believe in. Lifestyle clarity comes first. The numbers follow naturally.Retirement planning is not just about financial optimization. It is about creating a shared vision for the years ahead with the person who matters most. Try these questions with your partner and watch the conversation shift from spreadsheets to shared dreams.Visit earlyretirementpodcast.com to share your results or explore tools for building a plan that works for both of 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.

Special Patreon Release: Wisdom from a Homeschooling Dad with Steve Lambert   Luke 6:40 (NI) "The student is not above the teacher, but everyone who is fully trained will be like their teacher."   *Transcription Below*   Questions and Topics We Discuss: What are some wonderful aspects of your lifestyle that are not available to families who are not home educating their children? What are some common questions you get about homeschool and what truth do you have to replace the myths? How long will prep take for the homeschooling parent and what does a typical schedule look like?   Steve Lambert has worn many hats in his 73 years: Pastor, author, speaker, stock broker and more. Together, he and his wife Jane Claire Lambert created and publish "Five in a Row" homeschool curriculum which has been a reader's choice favorite for nearly 30 years. They began homeschooling their children in 1981 and their seven grandchildren were homeschooled as well.   Five in a Row Website   Thank You to Our Sponsors: Chick-fil-A East Peoria and Savvy Sauce Charities   Connect with The Savvy Sauce on Facebook, 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 – 0:08)   Laura Dugger: (0:09 - 1:37) 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 Chick-fil-A.com/EastPeoria.   I'm excited to introduce you to my fascinating guest, Steve Lambert.   Steve has a unique perspective, as he has worn various hats, such as pastor, author, speaker, stockbroker, and more.   But today, we're going to hear various stories of how God has been faithful in calling he and his wife, Jane, to homeschool, and also publish homeschool curriculum called Five in a Row.   Regardless of our family schooling choice, these stories will build up our faith and remind us who we get to turn to in all things.   Here's our chat. Welcome to The Savvy Sauce, Steve.   Steve Lambert: (1:37 - 1:39) Good morning. It's great to be with you, Laura.   Laura Dugger: (1:40 - 1:53) Well, you are a part of a multi-generational homeschooling family.   So, will you begin our time by taking us back to that initial decision that you and your wife made to home educate your children?   Steve Lambert: (1:54 - 3:31) Sure, I'd love to. We made that decision back in 1981. I'm sure probably you and many of your listeners were not even born in 1981. But my wife came to me and she said, "So, hypothetically, what would you think if…” and my response was something like, "That cannot possibly be legal."   Because at that point, we knew no one who homeschooled. We never met a homeschooler.   I don't, you know, it was just completely foreign to my understanding. But I began to pray about it.   And as I did, I felt like the Lord said, "You're accountable for how you raise your children."   And I thought, well, if I'm accountable, then I ought to have some idea of how they're being raised.   Because, frankly, in a classroom, 95% of their lives are spent there in the classroom.   And they get home on the activity bus at 5:15 and eat dinner and go up and do their homework.   And that's the end of the day. And so, I thought, alright, maybe that's a good plan.   Now, parenthetically, let me add that it wasn't until a couple of years later, I felt like the Lord spoke to me and said, "And your children are accountable for how they turn out," which was profoundly important to me at the time.   Because we've all known great families who produce train wrecks for kids.   And we've known some train wreck parents who produce great kids. But we're accountable for how we raise our kids.   And I thought, if I'm going to have to sit for the final exam before the Lord of Heaven, I'd like to at least have some input in some part and at least know how they were raised. So, that was beginning in 1981.   Laura Dugger: (3:32 - 3:43) That is incredible, because you had no idea.   I'm even getting goosebumps just thinking now of where your family is at from that decision.   And could you catch us up to speed? How many children do you have?   Steve Lambert: (3:44 - 4:25) We had two daughters. We kind of left that in the Lord's hand. And that's what we ended up with. And my wife would have loved to have more, but we ended up with two daughters.   And between them, they have six daughters and one grandson. So, we have seven grandkids.   Several of them are through homeschooling now, college or career. The youngest at this point is six.   So, they're third-generation homeschoolers, which I think speaks to the validity of the homeschooling option for many people. You know it's worked successfully when your children want to homeschool their children rather than running as far away from homeschooling as they could possibly get.   Laura Dugger: (4:27 - 4:38) Well, and even going back then to 1981, you were questioning at that point, is this even legal?   So, catch us up. At that time, were there any legalities that you were up against?   Steve Lambert: (4:40 - 8:42) Then, like now, it really does depend on the state where you reside.   And Missouri has always been fairly homeschool-friendly. That said, within about a year after we began, our oldest daughter had been in public school in K-1 and had been in a private Christian school for one semester of second grade before we began the decision to homeschool.   And someone, presumably a family member I suspect, turned us into Family Services for Educational Neglect Child Abuse.   So, we had that dreaded knock at the door, and DFS came and had to inspect the children, make sure that they weren't bruised or harmed in any way, and then begin kind of the prosecutorial process against us.   But eventually they realized they really didn't have much say, so they turned the case over to the superintendent of schools.   And we happened to live in the same district where Jane and I had become high school sweethearts.   So, we hired an attorney, and we went and had a meeting with the superintendent of schools.   I often tell the story and describe him as being an older gentleman.   Now, in reality, compared to me today at age 73, he was probably only 60. He was a young fellow of about 60. But when you're 30, that seems pretty old.   And he had a couple of PhDs in education and administration, and he said, "You know, I strongly disagree with the choice you've made," but unfortunately, we had had our daughter tested using standardized testing just prior to that, and he compared her test scores after a year of homeschooling with her test scores when she had been in his public school classrooms, and she had improved significantly in every subject area.   So, he said, "I'm not going to cause you any problems, but I still think you're making a serious mistake." And the footnote to that story was lived out less than a year later when my phone rang, and it was the superintendent of schools.   And he said, "Mr. Lambert, can I speak with you frankly?" And I thought, oh boy, here we go. He said, "I don't know if you're aware of this, but we're having some problems in public education."   And I said, "No, not, I can't believe that. Really, doctor?"   And he goes, "No, we really are. Test scores are declining. Parents are unhappy. Faculties are unhappy. Administrations are unhappy. Students are unhappy. And I put together a blue-ribbon panel of educational experts for six weeks this summer to discuss how can we reface and reimagine education in our district. And you seem to have a very unique perspective on education, Mr. Lambert. Would you consider being a part of that panel?"   And I said, "I would."   And so, I went to the first meeting. They all introduced themselves and they all had lots and lots and lots of letters after their name.   One was the director of curriculum development, another the director of elementary testing, another the director of high school counseling.   And finally, I introduced myself and said, "Hi, I'm Stephen Lambert. I'm a homeschool dad." And every head in the room turned to look at me sitting in the back because up until that point, as far as I know, none of those men and women had ever seen a homeschooler and lived to tell about it.   So, they began the journey. The first night of the discussion and the person in charge of the summer series said, "You know, we can all make a long list of things that are wrong with public education, but let's not start there. Let's start on a positive note as we explore this difficult topic. Number one, responsibility for educating children rests with the state."   And I raised my hand and I said, "That's not right."   And he said, "What do you mean that's not right?"   And I said, "No, the responsibility for raising and educating children rests with their parents and only insofar as they choose to delegate some or all of their authority to you, does the state have anything to say about it?"   And he said, "Let's take a brief recess." So, it's probably just as well that I didn't tell him that God told me that because that would have made his head explode completely.   But anyway, that was 40 years ago. So, lots of water under the bridge since then in public education, I'm sorry to say has not gotten better, but instead it's gotten worse.   Laura Dugger: (8:44 - 9:07) Well, and I think within that, you've even brought up some questions that people have about homeschooling families when you first were talking about the standardized tests.   So, do you get these questions? A lot of times, do your children have any friends?   Did they grow up socialized or how did they compare to their peers?   Those types of things that there may be an underlying myth.   Steve Lambert: (9:09 - 11:20) Oh, for sure. Those are the common questions. I was so ignorant of homeschooling in 1981 that I didn't even notice. I didn't even know the word socialization.   I was too ignorant to even know that, but I did know friendship.   And in fact, I prayed and I asked the Lord, I said, "How are my kids going to have friends if they're homeschooled?"   And as you and some of your listeners may understand, I felt like the Lord spoke to me, not audibly, but in a sense that I clearly understood his heart.   And he said, "Do you want friends for your children?"   And I said, "Yes, Lord, of course I do more than anything."   And he said, "And so friends come from being in the midst of people." And I went, yes.   And then I paused and I could sense him kind of waiting on me. And I said, "Don't they?"   And I felt like the Lord said, "No, if you want friends for your children, ask me. I'm the author of friendship."   And he reminded me of David and Jonathan, for example.   He said, in my imagination, at least he said, "This very night, I can hear the prayers of tens of thousands of people around the earth who are surrounded by people, but who are contemplating suicide this very night because they're so lonely. Friends don't come from being in large groups. Friends come from heaven, ask me."   And so, that became a prayer. And neither of our children, none of our grandchildren have ever lacked for friends, lots of friends, close and intimate friends through sports, through music, through their church connections.   And it really has turned out to be true that friendship, whether you're an adult, a child, or a teen, if you're lacking friends in your life right now, getting involved in more and more people and more and more busyness isn't necessarily the answer.   Just stop and ask the Lord, "Lord, I'm lonely. I need some friends in my life. Would you bring me some?"   And our daughter's first close friend, after I prayed that prayer was a number of months later.   It was a little girl who had immigrated all the way from South Africa.   Her father had immigrated to the United States after becoming a believer to attend a Bible college and then came to Kansas City to attend a seminary.   And his daughter became my daughter's best friend, but she came from halfway around the globe.   And since then, there've been so many that we couldn't count them all.   Laura Dugger: (11:22 - 11:49) Wow. Steve, that is such a powerful and encouraging parenting tip, really just in every phase that we know where to turn and that God is the one who actually has the power to make these prayers answered.   So, thank you for sharing that. What would you say are some wonderful aspects of your lifestyle that were not available to families who were not home educating their children?   Steve Lambert: (11:50 - 14:20) You get to see your kids come to life, to discover who they are and why they were made and to watch them learn to read and to watch them explore and discover God's amazing creation in the world around them.   You can travel with your kids. If you're homeschooling, you can take them wherever you go and you can have school in the car or school in the park or school at the lake.   My kids, instead of reading about some of the national parks and reading about some of the great museums in America, we went and we saw them firsthand and in the process we got to see them begin to blossom and figure out who they were and why they were created.   We're seeing with all that's happening today, a struggle that really so much boils down to children and teenagers and young adults having absolutely no idea who they are and they're questioning everything from their gender to their faith, to philosophy, to finances, to all those kinds of ecological issues.   They really have no idea who they are and it's because in the classroom, nobody ever teaches them.   You know, it says in Luke 6:40, "that a student is not greater than his teacher, but when he is fully trained, a student will be like his teacher."   Discipleship is really about teaching and if you're not disciplining your children, somebody is.   And in a public-school classroom, the wisdom of Dr. Luke suggests that your children will grow up to be just like their teachers and that's exactly what we're seeing in today's culture.   So, if you want to have some input, if you want to see your children blossom, I mean, there's nothing more exciting than seeing your children learn to read for the first time and it's not that difficult.   I mean, I often tell parents if you were trapped on a desert island, just you and your child, could you teach them to read?   Well, sure you could. You take a stick and you make the letter A in the sand and you'd say, this is an A and then this is a B and this is the number two and this is the number three.   There's nothing more rewarding at the end of life. And I can say this at age 73, I can say this without any reservation.   The single most important thing you can do is to trust your life to Jesus.   The second most important thing you can do is find somebody who's like-minded and marry them and make that marriage work through thick and through thin.   And the third most important thing you'll ever do is raising your children and watching them become the men and women God created and take their place in a dying culture.   Laura Dugger: (14:22 - 14:42) And you have years of wisdom journeying through being a homeschooling dad.   And so, again, I would love to hear more about your journey. So, if we go back to 1981, I'm assuming that all of the curriculum was not available that we have available today.   And so, how did you and your wife practically live this out?   Steve Lambert: (14:44 - 22:14) Well, you're right, Laura. There wasn't any of the curriculum, which in many respects was a blessing.   To be honest, there's so much material out there today. It's a little overwhelming.   If you go to some of the larger homeschool conventions, you can find as many as seven or 800 vendors there, each telling why their particular curriculum is the one that you ought to choose.   But back then there were no choices. And in fact, we contacted a couple of Christian curriculum publishers and asked to buy their materials.   And they said, "No, we can't sell you because that would upset our Christian school customers because they had the exclusive right to this material."   And so, we began with a old set of world books and a stack of children's reading books.   And I think we did go to the yard sale, and we found an American history book that was published, I think in 1943. And so, it was somewhat incomplete because it didn't explain who won World War II.   It just kind of ended in the middle of the war, but we began that journey.   And what we discovered was that God consistently brought us the tools, the resources, and the people that our children needed.   I would come home on certain days and I'd find Jane kind of crying in her bedroom and the girls crying in their bedroom.   And because they were, we were trying to replicate school at home. And that's completely the wrong direction.   Well, it turns out we didn't want school at home. We wanted homeschooling, which is an entirely different proposition.   And so, on that journey, Jane began to pray. And she said, "Lord, this is not what I had in mind for our children. I did not imagine that we would be fighting and arguing over. You will do your homework. I won't. You can't make me. Yes, I can. How can I teach my children?"   And he said, "Why don't you read to them?" And she said, "Well, I do read to them, but how can I teach them?"   And he said, "Why don't you read to them?" She said, "No, no, I understand. I love to read to them, but how do I teach them?"   And he said, "Why don't you read to them?" And so, after the third time, they began focusing more on reading aloud.   And that just naturally led to the entire world around us. It doesn't really matter what you're reading.   God gave educators and parents a secret weapon, and it's called curiosity.   And so, if you can engage that curiosity and you read them a story, it doesn't matter what three bears, and suddenly they want to know more about bears.   And how does this hibernation thing work and where do they live? And do we have any near our home?   And can you find bears? And what's the difference between a black bear and a grizzly bear? And how long do they live? And what do they eat?   And suddenly you become the guide rather than the opposing force.   Suddenly you begin to sit on the same side of the desk with your students and you go on a learning journey together, because particularly in those early years up to middle school, really the only lessons, the lesson that you really need to teach children is to fall in love with learning.   If they learn that you're home free, because they will self-direct and self-educate right on through high school, graduate school, they'll be lifelong learners.   But if you reduce education to nothing more than carrots and sticks and dangling promises and threats, they will quickly learn that learning is not fun.   And we just need to get through this as quickly as we can so that we can get on with life and the things that are truly important.   And if you doubt that, I often tell parents who are contemplating homeschooling, if you doubt that, just look in the mirror, go back and just think about, for example, your fifth grade social studies exam.   Tell me who the Norman Conqueror was. When did the Norman Conquest take place? How did that change European history?   And you'll say, wow, I remember. I've heard of the Norman Conqueror, the Norman Conquest, but honestly, I don't remember it yet.   Why not? Because honestly, I just learned it long enough to take the test. And then I forgot. And your kids are just like you. Many attribute Einstein with the saying that doing the same thing the same way and expecting some sort of a different result is insane.   So, it stands to reason if you teach your kids the same way you were taught to memorize names and dates and highlight pages and books for Friday's quiz, they'll end up with the same results.   They won't particularly be interested in learning. They won't remember 99% of all the things that you checked off your checklist that you covered with the children, but they don't remember any of it.   So, through reading, that opened the door for the girls to begin to ask questions.   And suddenly, like I said, instead of being in that tug of war, where as a parent or a teacher, you're trying to force children to memorize and regurgitate long enough to take a test, you suddenly become a resource person and you take them to the library and you take them to the natural history museum and you take them to the art gallery and you take them on nature hikes in the woods.   And one question always begets ten more. I remember that when my oldest daughter, her firstborn was about two or three and she was getting ready for bed and in the bathtub and she said, "Mama, can I ask you a question?"   And my daughter said, "No." She said, "Please, mama, just one question."   She said, "No, honey, you've already had your 472 questions for today. Mama's exhausted. Finish your bath. Let's go to bed. You can ask a question tomorrow."   She said, "Please, mama, please. Just one more question." She said, "All right, one more question. And then it's bedtime."   She goes, "Okay. So, like, how does electricity work, mom?"   So, that curiosity that God gave those children is the spark that makes homeschooling, not only a joy, but makes it infinitely doable.   Whether you dropped out of high school or whether you have a doctorate in education, if you can keep that curiosity alive, your kids are going to be great.   And let me add one other thought. We live in a world, the dean of a medical school, school of medicine at a university told me not too long ago, he said, "Do you realize that the body of knowledge of the human body doubles every year?"   We learned more in 2022 about the human body than we had learned in all of history through 2021. And he said, we get the best and the brightest, the top one tenth of 1% who come here to medical school.   And there's no way they can possibly keep up with the amount of new knowledge that's being developed.   And if you ask someone who has a doctorate in any subject, the most tempting question to ask is, so you must know pretty much everything there is to know about that.   And if they're even remotely honest, the first thing they'll say to you is, "Oh no, no, no, no. The farther we explore, the deeper we get, the more we realize we haven't even scratched the surface. There's so much we don't understand. The more we learn, the more we realize how much we yet have to learn."   And so, that's an infinite loop of getting children to begin to manage their own education. We've said for years, you know, he got the best education money could buy, or they gave him the best education.   You can't give a child an education. They're education resistant.   The child has to learn to want to know, to be hungry and thirsty to know more about the world that God created around them and how it works.   And homeschooling is a wonderful vehicle to make a lifetime learning out of your son or your daughter.   Laura Dugger: (22:15 - 28:23) 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. 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Now, back to the show.   The more I learn about homeschooling, the more encouragement I've heard from homeschooling parents, they will talk about there is always a learning gap no matter how you were educated.   And so, I love how you're addressing that with lifelong curiosity that we will continue learning our whole life.   But you also mentioned this word, if parents are considering homeschooling, you said it's so doable.   And when you're talking about Jane hearing from the Lord, read to your children, I find that so encouraging.   That's my favorite activity to do with our girls. That was the impetus for your family launching Five in a Row.   Is that right?   Steve Lambert: (28:24 - 32:17) That is right. Over a period of time, Jane certainly did math mechanics in a math workbook, and she used some specific structured approach to phonics to teach reading.   But other than that, it was largely an open palette in which reading helped direct the course of education.   And that became something that many of her homeschool friends as the years went by found enviable.   They said, "You know, how does that work?" And she said, "Well, you just read aloud to your children, and then there's opportunities in an illustrated book to talk about the illustrations, the perspective, vanishing point, type of colors, the difference between watercolor and gouache, complementary colors on the color wheel, history, where did our story take place, what's it like, where is it on the map, what do people eat there?"   And they said, “Yeah, we don't get that.” So, she began to just really as kind of a love gift for a few girlfriends, began to write some lesson plans to go with some popular children's books.   And one thing led to another, and that was in 1994. So, this is our 29th year in publication, and I think Five in a Row has won pretty much every award that's out there, from Reader's Awards, Magazine Awards.   It's more than 100,000 families, 600,000 children have used Five in a Row in the last 29 years, and virtually no advertising.   It's almost exclusively by word of mouth, from a veteran homeschool mom pulling aside a young mom who just spent $1,300 on a massive stack of curriculum and is completely overwhelmed just three weeks into September, to say, you know what, we tried that, and we tried this, and we tried this other program, and we spent a lot of money.   And then an older mom told me about Five in a Row , let me show you how it works.   And suddenly that changes everything for so many of these young moms.   Most of the problems that new homeschoolers are facing simply are not issues at all. And the crazy part is that there are some things they ought to be worrying about, but they don't know enough yet to worry about the correct areas.   But both the obvious and the more subtle areas, God has answers.   If he's invited you to go on the homeschool journey, he has something amazing in mind for your family.   There are very few born homeschoolers, very few 15- or 16-year-old adolescent young women tell their school counselor, "You know what, I'd like to spend my life living in a two-income world on a single income and stay locked up with little people all day long without any peer support and have my mother-in-law and my sister-in-law think I'm crazy."   That's not on most young women's radars, but it begins, for most families, the same way it began for our family.   Hypothetically, honey, what would you think if, as the finger of God, the same God that said, let the waters be parted, the one that said, Lazarus, come forth, the one that said, let there be light, says, "Why don't you homeschool your kids?"   And so, you become what we often call accidental homeschoolers.   It suddenly occurs to you something that you swore you would never, ever do.   But the good news is the one who invited you is faithful. Love is a powerful motivator.   We all have stuff, and God has tried to make us deal with our stuff for years, and we've been resistant in many cases.   So, he invites us to the covenant of marriage so that we'll have a living witness to remind us of our stuff.   Honey, why do you always wait to the last minute? Honey, why do you get so upset?   And if we're still stubborn, then he invites us to have children so that we have several living witnesses.   But if we remain stiff-necked, finally he invites us to homeschool with children. And this way we have a house full of living witnesses all day long that say, "Mama, how come this and why do you do that?"   And suddenly we begin to grow in ways we never thought possible through the medium of homeschooling. It strengthens marriages.   It grows us up in Christ. It causes us to deal with our stuff.   It's amazing what it does for our children.   Laura Dugger: (32:18 - 32:44) It does seem like progressive sanctification, how the Lord has built that in within the family.   And I just appreciate how you've gone before us. And so, if someone's feeling nudged in this direction, can you paint a picture, even using Five in a Row curriculum, what kind of prep would that require for the homeschooling parent?   And what kind of schedule would their day look like?   Steve Lambert: (32:46 - 39:39) Homeschooling is essentially tutorial education, and that's always been the realm of kings and the super wealthy who hired an individual tutor for their children.   Because of homeschooling, our children can have a tutor. And tutorial education is so inherently efficient that even if you're terrible at it, your kids are going to do pretty darn well. So, when we start out, we're tempted to emulate the classroom. So, we think, well, my daughter's six.   She was going to go into first grade, so we need to start at 7:45 in the morning and we need to go until 3:45 in the afternoon with 20 minutes for lunch.   Nothing could be further from the truth. You can work with a kindergarten or first grader; 90 minutes a day is probably overkill.   So, it's something that anybody can do in their schedule, at least in those early years. And it works best when it works for you and for your children.   If your kiddo is a late-morning sleeper, trust me, they're not going to be at their best at 7:45. Don't let them sleep until 9:30. That's okay. You'll realize, for example, when you have teenagers, that they don't come to life until sometime after 11:00 p.m.   That's when they want to come into your bedroom and ask you important life questions when you're struggling to try to get to sleep.   So, first of all, you work with your children's schedule to some degree.   You work with the schedule that works for you. And you work where it works for you. If you're sick or if you're dealing with morning sickness and pregnancy, homeschool's going to happen in the bed today, kids.   Come on, gather around. We're going to read a story.   If it's a nice day, homeschooling is going to happen at the park today.   We're going to go on a nature hike. We're going to look at trees and wildlife and streams and rocks and waters.   And we're going to learn to take our paints with us.   And we're going to learn to paint the sky the way the illustrator did in our story this week that we're reading in Five in a Row.   When Jane began, she actually would take the girls to a cemetery nearby where everything was beautifully mowed and there were beautiful trees and lakes.   So, Five in a Row is built around the concept of reading a classic children's book, which Jane has selected thoughtfully and curated.   And you read it for five days in a row.   And so, on the first day, you're going to read the story aloud.   And the children just want to know how did the story ended, what happened?   A very surface, cursory reading of the story, really thinking only about the plot.   But, you know, as you go back and watch a movie the second or the third time or read a book sometimes or play the second or third time, you discover there's a whole lot more beneath the surface.   So, the first day they look at, on Mondays they do social studies.   So, they look at the setting of the story. Where did it take place?   How did people live in the 17th century? How did people live today in Japan or Australia?   How did people live along the Ohio River in the 1800s? What sort of foods did they eat? What was their language like? Let's find it on a map.   Let's learn more about it and maybe plan to cook a meal from that region or that period of history later in the week for the family.   And you can make that as complex as you want.   You can have the children make shopping lists and invitations and invite Grandma and Grandpa and help cook the meal and learn liquid and dry measure and cups and quarts and all of that and put a towel over their arm and serve the meal to Grandma and Grandpa and tell them about what they learned about Spain or Italy or France or Canada this week.   So, now you've read the story and you've learned something about what's going on in the story.   So, Tuesday, we go back and we read it a second time.   This time we look at language arts, so new vocabulary words that came up in our story this week, new creative writing techniques that maybe there was a cliffhanger that made us want to turn the page and read and see what was next or maybe the author was really great at asking questions or writing dialogue or opening sentences that create curiosity.   And so, we learned some of those techniques, and we can try them ourselves.   And even a four- or five-year-old can dictate while Mom writes down their story, and they can illustrate it later and share it with Dad.   And then on Wednesday, we look at the art. So, what did the artist teach us? What medium did they use?   Was this charcoal? Was it pen and ink? Was it watercolor or gouache? Was it oils or pastels?   How did they draw the water? Look, they drew reflections on the water. It's not just blue paper, is it?   You can see the same colors in the water that were on the shore on the opposite side.   You know what, kids? Let's get out your colored pencils or your crayons or your pastels.   Let's try drawing water more realistically the way the illustrator taught us in our story today.   And maybe learn something about famous artists who had similar styles of Degas or Renoir or Van Gogh or whoever.   Thursday, we do applied mathematics, which is not the same as math.   You're going to be doing math for 15 to 30 minutes every day in a sequential approach.   But this is about learning, you know, the difference between a square and a rectangle.   Well, they have four sides, but what's the difference? They're not all equal on the rectangle, are they?   We're going to learn, like I said, how many pints in a quart, how many quarts in a gallon.   And then on Fridays, we do science lessons. So, there's lots of opportunities in every children's book to learn more about why does the sky look blue?   Why is the grass green? Why do some things float when you put them in the water and some things sink?   And all of a sudden, you're at the kitchen sink with a stopper in it.   You fill it with water, and you've gotten a penny and a cork and a birthday candle and whatever is in the kitchen junk drawer.   And suddenly, the kids are learning about buoyancy, and they're testing things, and they're predicting their answers, learning more about the world of science and creation.   So, typical day, long story short, for a beginning homeschooler with a kindergarten-aged child, probably going to be 15, 20 minutes maybe for phonics, 15 to 20 minutes for math, which at that level is simply learning the digits and haven't even thought about adding yet.   And then another 30 open-ended minutes, 30 minutes to 90 minutes for exploring Five in a Row or whatever it is that you're reading that day.   And for some days, that might turn into two hours.   In fact, there are some days where it turns into all the way to bedtime and continues over the next two days.   If you're learning about the solar system, and suddenly that catches their attention, and they want to go to the planetarium nearby, and they want to borrow their uncle's telescope, they eat, sleep, and drink astronomy for the next two or three days.   And frankly, that's not an interruption in the curriculum. That's the answer to a prayer.   God, please help my children grow curious. Help them nurture their love of learning. Cause them to want to learn.   And sooner or later, we're going to learn about astronomy anyway, but all too often, it's while the kids are fascinated by a bug that just crawled in the room.   And so, the smart mom puts astronomy on the shelf for the moment and learns about insects. Or vice versa.   You're trying to learn about insects, and they're staring out the window looking at moons still visible in the western sky that hasn't set yet.   So, helping children learn in the proper season is another key to making it all work. It's so flexible, and it's so simple.   Laura Dugger: (39:41 - 40:33) Guess what? We are no longer an audio-only podcast.   We now have video included as well. If you want to view the conversation each week, make sure you watch our videos.   We're on YouTube, and you can access videos or find answers to any of your other questions about the podcast when you visit thesavvysauce.com.   Well, that flexibility sounds so freeing and attractive, and as you explain it, it just sounds like such a lovely educational experience.   And yet, I know a lot of homeschooling parents fear is that when their children graduate from the home, they wonder if they've done enough and how they'll perform out in, quote, the real world.   So, what was your experience as you and Jane launched your first child to college?   Steve Lambert: (40:35 - 46:24) Well, we actually sent our first one to college a week after she was 16. And to be honest, I wouldn't recommend that again for a variety of reasons.   She had a four-point-something or other GPA in college beginning at just barely 16. But being academically ready and being emotionally ready are two different things.   And so, probably, if for no other reason, we missed out on two more years of just exploring and learning together in home education.   But when she went, she was the top of her class pretty much in every subject.   Almost every study done of homeschool students by private industry and government suggests that students, on average, score about 20% higher if they were home-educated in every subject except math, where they're about the same, than their public school peers.   And it's now been more than 20 years since Harvard set out, and they kind of were one of the earliest ones to create full-time recruiters for homeschool students because universities and the marketplace are looking today for homeschoolers.   They realize that these kids are the leaders today. I saw a study of a small private university, I think in the Carolinas, if I recall, and they only had 3,000 students on campus, of which 90 were homeschooled, so 3% of the student body.   But of the 12 elected student leadership positions, student advisor to the dean, senior class president, whatever, 11 of the 12 were homeschool students.   So, even their peers recognized that these were the leaders in their community.   And we now live in a world where nobody seems to want to work. Everywhere you go, there's help-wanted signs.   And we've seen so many stories from friends and customers whose children were homeschooled who said it's a tremendous opportunity right now in the marketplace if you just show up and you're just semi-dedicated to actually doing the job.   I interviewed a guy, well, he actually came up to ask me questions after I spoke, in Chicago, as a matter of fact.   And he was the head of human resources for a large Fortune 50 company, and he said he had, I don't know, a quarter of a million employees.   And so, I asked him, I said, so this is in May, you're out recruiting, I assume.   And he says, “Yeah, I've got six recruiting teams crisscrossing American college campuses trying to recruit new employees.”   And I said, “So you're obviously looking for the highest-grade point average or highest graduating class position and competing for those students.”   He said, “No, not at all.” And I said, no? I said, “So IQ or SAT score?”   He goes, “No, none of that.” I said, “Why?” He said, “Let me tell you something.”   He said, “The average new hire costs us $70,000 to train. And this has been 15 years ago.   So, it's probably 170,000 a day. And no matter what your discipline, whether you're in sales, marketing, quality control, engineering, whatever, we're gonna spend the first year teaching you how we do it here, not how you learned it in college.   If we aren't successful in our recruiting, our company will go bankrupt. This is our largest single expense is personnel.”   And we have learned over the years that graduating class position or grade point average or SAT score IQ is totally irrelevant when it comes to determining who'll be successful in the company and who won't.   And I was a little taken aback and I said, “Well, if it's not any of those things, then you just throw darts at resumes?”   He goes, “No, no, no.” He said, “We can accurately identify these students in the most cases.” I said, “So what do you look for?” And he said, “Well, you're gonna laugh.” I said, “Maybe.” He said, “First and foremost, by far and away, the ability to get along and work well with others.”   He said, “If you can't, you're gonna get cross ways of your boss or another employee and either quit or get fired in the first six months.   The second is to be able to complete a job, see it through to completion and meet the deadline.   And number three, if you're really, really golden, the ability to work within the constraints of a budget.   Those are the things that are successful, whether you work for our company or whether you're an entrepreneur or whether you're a homemaker, whatever you do in life.”   So, with that in mind, I've spoken all over the country and encourage parents. These are things that we need to be working on. There are things that are not being worked on in the classroom.   So, look for opportunities to hand more of the education off to your students, let them plan what do I wanna study for the next two days, the next two weeks, the next two months?   Where am I gonna get the resources to discover that by the time they're in high school?   I'm gonna give you a budget to work with. There's $200, you can buy some resources, tools that you think would be useful in the process.   Where do we need to be in project management to start the process?   Where should we be by the end of week two? Where should we be by the end of the month?   These are the skills that employers are looking for and so many parents have told us that their kids have just rocketed in the marketplace.   My final question to this guy was, so are you finding bright young men and women who can do the job?   He goes, there's never been brighter, more thoroughly educated young men and women who can do the job.   He said, the problem is I can't find any who will do the job.   I can't find people who will do even four hours work for eight hours pay.   They wanna go to Starbucks, they wanna be on their cell phone, they wanna be on Facebook, they wanna be talking to their friends, taking care of their online banking, paying bills.   And so, character comes first. And if we teach our children their purpose and their place in this world, if we help them find and discover their giftedness and their aptitudes and invite them along those pathways and we increasingly turn more and more of that education over to them in the high school years where they begin to take responsibility for their own education, we're going to end up with not just capable but outstanding young men and women who can quickly take their place in our culture and rise to the very top because frankly, there's very little competition.   Laura Dugger: (46:26 - 46:36) Wow. Well, Steve, is there anything else that we haven't yet covered?   Any scriptures or stories to share that you wanna make sure we don't miss?   Steve Lambert: (46:37 - 50:16) The thing we want people to take away from all of that is not that the only way to raise your kids is to homeschool or that God doesn't approve of anything else.   The point is, listen to God and do what he said, but don't put your fingers in your ears because he often calls us to things that we really maybe didn't wanna hear and obedience is better than sacrifice.   One of my favorite stories, when our oldest daughter started to college, she went through placement counseling that summer and the placement counselor said, "You know, I don't think I've..." That was in 1991. He said, "I don't think I've ever had a student who was homeschooled."   So, that's pretty interesting. And she said, "Okay, great." And there were 30,000 students at this college and she was not only at that point, as far as we know, the only or first homeschooler, but she was also the youngest, having just turned 16 that in the middle of August.   And so, when she began, one of the prereq classes that every incoming freshman had to take was public speaking.   And she realized much to her horror that her public speaking teacher was the guy who had helped with her placement counseling earlier in the summer.   And she really didn't want anybody to know she'd been homeschooled, but she said there were returning GIs from Operation Desert Storm.   There were empty nest moms coming back to finish the degree. There were pre-med students. There were student athletes.   There were just every kind of student in that class because everybody had to take public speaking.   And he said, the very first day, the teacher said, "I'd like for everybody to give a six-minute speech on Monday. That's the best way to do this is just to jump in on whether or not you think we ought to be involved in nation building. Except for you, Ms. Lambert, and I'd like for you to give six-minute speech on what it was like to be homeschooled."   And she slunk down below her desk and tried to disappear into the floor.   And she said, "Dad, what am I gonna do?" I said, "Well, just get up and tell them."   So, she did. And she said, you know, as far as I can tell over the course of that semester, she said every single person in that class, whether they were 18 or 58, found me somewhere on the campus in the quadrangle at the library, the cafeteria, in the parking lot, and said in one way or another, their own words, "You're so lucky your parents cared enough about you to be involved in your education. I'm jealous. I'm envious. I wish my parents had been."   She said, but the one that killed me was a girl who was 18, had just graduated from a prestigious high school the previous May.   And she began to tell her story. And she said, "When I began high school four years ago, my goal was to become valedictorian of my graduating class. I've never been at a sleepover. I've never been to a, you know, skating party or, you know, movies. All I've done is study for four years. And she said, I was in AP classes all the way through and my GPA was like 4.7887. And there was this guy and his was 4.78779. And he and I competed every year in every class. And it came down to the final test and the final class and the final semester. And I beat him by two points."   And so, last May, she said, my dream came true.   And I stood on the football field and I gave the commencement address, the valedictorian address to 4,000 of my peers, their parents, civic leaders, laity, community leaders of faith. And both of my parents were too busy to attend.   She said, "I wish my parents cared and had been as involved in my education as yours were. You're very lucky."   And she said, "Dad, it just killed me to hear her story."   And I said, "I don't have any answers, honey, but our joy was raising you girls and seeing you become the people that God intended you to become."   Laura Dugger: (50:18 - 50:43) Wow, Steve, that is so powerful.   And what an incredible charge to leave each of us with to go and do likewise.   And as we wind down our time together, you are already familiar that we are 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?   Steve Lambert: (50:45 - 51:59) Read aloud, read often, read to your spouse, read to your kids.   Jane and I continue, we've been together now 57 years, and we still read aloud to one another every single day.   I read aloud to my kids still on occasion, my grandkids still, my daughters are in their 40s.   My grandkids, but that was the joy. And that's the thing that when all else fails, when your relationship is struggling, when your homeschool day is falling flat on its face, get a great book and snuggle together with your kids and read out loud.    It's in that process that their imaginations are birthed, their angst is quieted, and disagreements between spouses can suddenly be pushed aside because suddenly you're facing sorrow and you have a sword in your hand or you're coming down the Mississippi River on a riverboat or whatever it is that you, it unlocks doors that sometimes we didn't even know were locked.   So, that's the Savvy Sauce that's worked for us. Read aloud, read often, and don't let a day go by that you don't read to your children, even when your kids are 18. And if you have little ones, read to the little ones and I guarantee you the high schoolers will come around and listen to every day.   Laura Dugger: (52:00 - 52:23) I love that so much. That is wonderful.   And I have very much appreciated your insights and wisdom that you shared with us today.   So, thank you for the legacy that you and Jane have been building for years.   Thank you for being a faithful and intentional father and husband.   And thank you so much, Steve, for being my guest.   Steve Lambert: (52:24 - 52:29) Laura, it's been my pleasure. I've appreciated the opportunity. Thank you for what you do.   God bless you.   Laura Dugger: (52:29 - 55:45) Thank you. 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 implement the knowledge you have learned. So, you ready to get started?   First, tell someone. Say it out loud. Get a Bible.   The first day I made this decision, my parents took me to Barnes & Noble and let me choose my own Bible.   I selected the Quest NIV Bible, and I love it. You can start by reading the book of John.   Also, get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ.   I'm assuming they will be thrilled to talk with you about further steps, such as going to church and getting connected to other believers to encourage you.   We want to celebrate with you too, so feel free to leave a comment for us here if you did make a decision to follow Christ.   We also have show notes included where you can read scripture that describes this process. And finally, be encouraged.   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.”   The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with.   You are loved and I look forward to meeting you here next time.

In this week's MBA Admissions podcast we began by discussing the upcoming new MBA admissions season. This week, Michigan / Ross, Stanford, Northwestern / Kellogg, Yale SOM, Toronto / Rotman and Berkeley / Haas have their round 1 deadlines. Georgetown / McDonough and John's Hopkins / Carey have their Early Action round deadlines. Graham highlighted the upcoming September series of admissions events, where Clear Admit will host the majority of the top MBA programs to discuss Round 2 application strategy. The first session is on Wednesday, and includes Dartmouth / Tuck, Duke / Fuqua, Georgia Tech / Scheller, UPenn / Wharton and UVA / Darden. Signups for this series are here: https://bit.ly/cainsidemba Our second livestream AMA is scheduled for Tuesday, September 23rd on YouTube; here's the link to Clear Admit's YouTube channel: https://bit.ly/cayoutubelive. Graham then noted two admissions-related tips. The first focuses on all the in-person events that the top MBA programs are conducting in the month of September, the second focuses on the increasingly popular video essays. We continue our new series profiling some of the leading MBA faculty at the top MBA programs. For this week, we have profiles on two faculty from Chicago / Booth. We also continue our series of Adcom Q&As; this week we hear from Vanderbilt / Owen and Indiana / Kelley. For this week, for the candidate profile review portion of the show, Alex selected three ApplyWire entries: This week's first MBA admissions candidate is from India with a 655 GMAT score. While the remainder of their profile looks very decent, we wonder if they can increase their GMAT score. This week's second MBA candidate is targeting Round 2 and has not yet completed the GRE test. They also have an International Relations masters degree. The final MBA candidate has a 337 GRE score. They began their career in the private sector then enlisted in the military. 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!

From the rooftops of Udine, Italy, to the R&D department at Gill Athletics, Matteo Madrassi's journey is anything but ordinary. Raised with a love for climbing, parkour, and BMX, Matteo discovered pole vault at 14 and quickly soared to world junior competition. His path led him through NAIA and NCAA championships, engineering degrees, and an MBA — all while chasing Olympic dreams.

What makes an idea—or a person—truly remarkable? Guy Kawasaki has spent decades evangelizing some of the world's most influential brands—from Apple to Canva—and helping ideas spread in ways that stick. In his new book, Wiser Guy, he shares the lessons, stories, and wisdom he's gathered along the way, showing how to think remarkable, lead with purpose, and make an impact that lasts. What You'll Learn in This Episode - Why Wiser Guy isn't a memoir and what it is instead - The surprising truth behind Guy's decision to publish this book with a traditional house - How evangelism has evolved from Apple's Macintosh launch to Canva today - Why democratizing technology matters—and where AI fits into that story - The timeless wisdom Guy believes we shouldn't wait too long to share Episode Chapters (00:00) Intro (00:36) Welcoming Guy Kawasaki back to On Brand (03:08) Why Wiser Guy is not a memoir (05:08) From self-publishing advocate to Wiley author (10:45) Stories and lessons that rose to the top (15:12) Evangelism past and present (20:03) Is AI truly democratizing technology (27:02) A brand that's made Guy smile recently (32:21) Where to learn more and closing gratitude About Guy Kawasaki Guy Kawasaki is the chief evangelist of Canva and the creator of Guy Kawasaki's Remarkable People podcast. He is an executive fellow of the Haas School of Business (UC Berkeley), and an adjunct professor of the University of New South Wales. He was the chief evangelist of Apple and a trustee of the Wikimedia Foundation. He has written Wise Guy, The Art of the Start 2.0, The Art of Social Media, Enchantment, and eleven other books. Kawasaki has a BA from Stanford University, an MBA from UCLA, and an honorary doctorate from Babson College. What Brand Has Made Guy Smile Recently? Guy shared that Liquid Death has been making him smile. Beyond simply selling water in a can, the brand has built a bold, countercultural identity around “killing thirst.” Guy admires how they've created something fun and meaningful while inspiring him to craft his own marketing mantra, “kill mediocrity.” Resources & Links Connect with Guy on LinkedIn. Guy Kawasaki's website. Wiser Guy on Amazon. Remarkable People podcast. Listen & Support the Show Watch or listen on Apple Podcasts → https://podcasts.apple.com/us/podcast/on-brand-podcast-about-branding/id1113563080?mt=2 Spotify → https://open.spotify.com/show/2Hq9fjctcpm3YKlJFuXmRk YouTube → https://www.youtube.com/hashtag/onbrandpodcast Amazon/Audible → https://music.amazon.com/podcasts/7f4fb055-1584-4037-a637-305c9b82ac3c/on-brand-with-nick-westergaard?refMarker=dm_wcp_af_r&ref=dmm_acq_mrn_d_ds_rh_z_-c_c_539036640611_g_127821134784 Google Play → https://play.google.com/music/listen#/ps/I6xnjeogoyostq7pyu3xh3kqi4a Stitcher → https://www.stitcher.com/show/on-brand-with-nick-westergaard TuneIn → https://tunein.com/radio/On-Brand-p967623/ iHeart → https://www.iheart.com/podcast/269-on-brand-with-nick-westerg-90019102/ Rate and review on Apple Podcasts → https://podcasts.apple.com/us/podcast/on-brand-podcast-about-branding/id1113563080?mt=2 Rate and review on Spotify → https://open.spotify.com/show/2Hq9fjctcpm3YKlJFuXmRk Share this episode — email a friend or colleague → mailto:?subject=Check%20out%20this%20podcast%20episode&body=I%20thought%20you%20might%20like%20this%20podcast Sign up for my free Story Strategies newsletter → https://www.nickwestergaard.com/email/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode Summary: Tim Montague, host of Clean Power Hour and author of Wired for Sun: The Commercial Solar Playbook, joins Benoy to share how commercial solar projects can be structured for long-term success. The conversation covers how to quickly qualify opportunities, manage interconnection risk, and scope EPC contracts to protect margins. Tim also breaks down how the Big Beautiful Bill influences C&I project economics and what developers can do to scale repeatable business models in 2025 and beyond.   Biographies 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. Tim Montague Tim Montague is a solar developer, solar & storage expert, coach, and consultant with over 30 years of experience in technology, sustainability, and triple bottom line business. As President of the Clean Power Consulting Group and host and creator of the Clean Power Hour podcast, Tim has helped dozens of technology entrepreneurs and businesses grow and create a positive impact. His motto is "Let's grow solar & storage!"   Stay Connected: Benoy Thanjan Email: info@reneuenergy.com  LinkedIn: Benoy Thanjan Website: https://www.reneuenergy.com   TIm Montague  Linkedin:  https://www.linkedin.com/in/cleanpowerhour/ Website:  https://www.cleanpowerhour.com/ Wired for Sun Book:  https://www.amazon.com/Wired-Sun-Strategy-Step-Step-ebook/dp/B0FJSG8PVH/ref=sr_1_1?crid=1YQGJET8LZJZ1&dib=eyJ2IjoiMSJ9.lOW0xetQ9-e5e90Is3zg2u_EBixUOl0Uyc_jsS7vy1c-PnTltAG4CgFpskZnAU_6vGp-wONOQGFOnKmBs_DRkjRNa4A7QigAo9QP5bOBZJAL5IHLwLSBzR8Oui2tqMvvZ5_GL_mwVoEd4y2ljPsHME4z--Ik7kg2t8e3g997ncfuxdKtANXQBqpiBMgV2mDWIJ2vv1i32hMZLThNvc5PNTnvnOld_YK1nF0Eivd-k4U.9NObYCnV1_Y08b4ImlNskcKPcBhJ9_IZIhrQ18t1yS0&dib_tag=se&keywords=wired+for+sun&qid=1757334378&sprefix=wired+fo+r%2Caps%2C1389&sr=8-1

Felix Frenzel is the Founding Partner of Kadan Capital, a Singapore-headquartered early-stage venture capital firm backing category-defining startups across Southeast Asia and beyond. At Kadan, he focuses on high-impact companies in fintech and artificial intelligence, targeting ventures with strong early traction and potential for rapid scale.Before co-founding Kadan Capital, Felix built his expertise across investment management and strategy consulting. He was an Investment Manager at Antler, a leading global early-stage VC platform, and a strategy consultant at Bain & Company, where he advised top-tier clients on transformative growth strategies. Earlier in his career, he gained experience in public equity investing, adding depth to his financial acumen.Felix's passion for investing runs deep. At just sixteen, he launched a small fund focused on European equities—a first step that reflects both his entrepreneurial drive and early fascination with capital markets.He holds an MBA from INSEAD, an MSc in International Finance from HEC Paris, and a BSc in Economics from the University of Bonn.LinkedIn: https://www.linkedin.com/in/felixfrenzel/

Shattered Sky: In a fallen dystopian world where citizens pay for air and water, a heartbroken older sister perseveres in rescuing her younger sister from a human trafficking ring and realizes that the powerlessness of her past is what fuels the redemption of her future.This short story is the precursor to the longer science fiction novel by Victoria Wieck called Shattered Sky, scheduled to be released in 2021. This episode is an adapted version of Chapter 62 in the longer novel.Victoria Wieck is the epitome of the rags to riches American dream story. She immigrated from South Korea to America with her parents with only thirty dollars and has built a multi-million dollar business with over $500 million in retail sales. After a series of corporate jobs, Victoria started her own company in 1989 on a shoestring budget to spend more time with her family. She has founded several other successful businesses since then. She's worked with a wide variety of retailers world-wide ranging from major department stores to duty free stores, as well as internet and TV retailers.For the past 22 years (19 years on HSN, and 3 years on Shop HQ), Victoria has been sharing her jewelry designs with millions of viewers during her own monthly shows. She has built her highly successful business following her passion for jewelry, without sacrificing her family life. Throughout her career, she's had to invent ways to have her products consistently outperform her competition and thriveShe completed a B.S. degree in Economics from UCLA, and an MBA with emphasis in Marketing and Finance from USC.Victoria can be reached at:Instagram: @victoriawieckjewelryFacebook: Victoria WieckPodcast: Million Dollar HobbiesWebsite: https://victoriawieck.com/LinkedIn: www.linkedin.com/victoriawieckWe love our listeners, fans and patrons! If you loved what you heard, please like and subscribe to our audio anthology at http://untold-tales.com Music by HookSounds https://www.hooksounds.com