Podcasts about Merritt

The testimonies of the goodness of God and all that he has done in our lives has a drawing power that nobody can deny.

‘Twas the night before kickoff, where football is life, “I love sports!”, barks Bob with delight.  This week, Tobin and Christen chat with Unofficial TRS Correspondent™ Merritt Mathias about all things NWSL. This season is looking to be a spicy one, with the trades of Croix Bethune and Claire Hutton and the introduction of two expansion teams: Denver Summit and Boston Legacy FC. Let us know your season predictions below!  New episodes every week. Watch the video version of the show on YouTube. Sign up for our newsletter, The RE—SET:  https://re-website.com/pages/newsletter Follow RE: https://www.instagram.com/re__inc/ https://www.tiktok.com/@re__inc https://twitter.com/re__inc https://www.threads.net/@re__inc   Follow Tobin: https://www.instagram.com/tobinheath https://twitter.com/TobinHeath   Follow Christen: https://www.instagram.com/christenpress https://twitter.com/ChristenPress To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Microsoft released more details about Project Helix, their next generation Xbox including the ability to play Xbox and PC games. Plus Nvidia announced new DLSS 4.5 native integration coming to 20 games. And our listeners ask us how to parse out our time between listening to news and entertainment podcasts. Finally there's a new quiz this week that will test your knowledge of the two Ryans. Ryan Gosling and Ryan Reynolds. Who starred in what movies? Starring Sarah Lane, Tom Merritt, Robb Dunewood, Trisha Hershberger, Roger Chang, Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

This week's Book Picks come from Julie Sternberg from Books & Cake in Hillsdale, New York and Kira Wizner from Merritt Bookstore in Millbrook, New York.

In this episode of Was It Chance, Alan Seales and Heather Vickery talk with comedian, keynote speaker, and storyteller Merritt Kahn about turning life's unexpected plot twists into powerful creative material. Merritt is the creator and performer of Optimistic Personality Disorder, a one-woman show that blends stand-up comedy, storytelling, and personal insight as she explores divorce, parenting, empty nesting, and the unpredictable turns life can take. With a background in sales training, emotional intelligence, and positive psychology, Merritt brings a unique perspective to the stage—using humor not just to entertain, but to help people rethink how they relate to their own life stories. What started as a desire to be funnier in her keynote speeches eventually led Merritt into stand-up comedy and, ultimately, into writing and producing her own theatrical show. Through journaling and reflection, she discovered the phrase “optimistic personality disorder,” which became both the title of her show and a philosophy for how she approaches life. In the conversation, Merritt shares how comedy can help loosen the emotional grip of painful experiences, allowing people to revisit difficult chapters—like divorce or family conflict—and reinterpret them through a lens of growth and humor. Merritt also talks about the realities of producing and touring a one-woman show, from selling tickets and traveling with props to dreaming about where the project could go next. Her story is a reminder that failure is rarely final, creativity often emerges from unexpected places, and sometimes the best way to move forward is to laugh at what once felt overwhelming. As Merritt says, tragedy plus time equals comedy—but it doesn't always have to take that long. Connect with Merit: OPDshow.com Connect With Us:

What are you willing to give up to spend eternity in heaven? Would you even lose your own life for it?

Facing an Uncertain Future Philippians 1: 18b-26 | Dr. Jamie Merritt

Kingdom Citizens | Philippians 1:27-30 | Dr. Jamie Merritt

"The People of the Pit" by A. Merritt, first appeared in All-Story Weekly in its January 1918 edition, and tells of a man's return from a terrifying voyage into the depths of the Earth. Learn more about your ad choices. Visit megaphone.fm/adchoices

AWT's in‑person technical training is a keystone for developing competent water treaters. Yet classroom knowledge only matters when it survives the drive home and emerges later in the field. In this second conversation with Dan Merritt, CWT—National Sales Manager at CH2O Inc. and head of AWT's education committee—Trace Blackmore uncovers how stories, math, and memorable mistakes turn theory into intuition.  Why training keeps evolving  Dan explains that the Association of Water Technologies rewrites courses every year. Instructors refine content, delivery and demonstrations, not for novelty's sake, but because boilers and cooling towers rarely behave like textbook examples. Recognizing that multiple chemical reactions operate simultaneously helps prevent chasing the wrong problem. Updated program design and operations classes now bridge the gap between fundamentals and advanced topics. Specialized modules for sales, membrane/softener maintenance, ASSE 1280 compliance, and a two‑tier wastewater curriculum ensure that attendees can match coursework to their experience and role.  Lessons from experience: paperwork, PPE and people  Anecdotes ground the theory. Dan recounts losing his Certified Water Technologist status for five years after assuming an office manager filed his recertification paperwork. He re‑sat the exam in 2016 and now tells every candidate: verify your own paperwork. Another incident involved a sulfuric acid injection line that still held pressure; a line blew while he was replacing a fitting, covering his jeans in acid—his apron protected his torso, but he still had six‑inch holes in his pants. "Wear your PPE" is his first piece of advice to new technicians. Beyond safety, Dan highlights that water treatment careers demand communication and management skills. Technical strengths don't automatically translate into leadership; becoming a mentor and training others brings lasting fulfillment.    Developing a growth mindset For new practitioners, Dan recommends learning from whoever will teach you and embracing the "nerdy" parts of the job—math, chemistry and calculations translate directly into customer value. After the first year it's easy to plateau, so he urges veterans to intentionally take on new technologies such as wastewater treatment or chlorine dioxide and to share knowledge with younger colleagues. This industry can't be automated or offshored; field troubleshooting will always require hands‑on expertise. Even in sales roles, success comes from offering solutions grounded in a deep technical foundation.  Looking ahead  The episode closes with a call to prepare for AWT's upcoming training seminars (March 10–13 and November 11–14). Attendees should bring system data and be ready to teach one takeaway to their teams when they return. Scaling Up! H2O encourages listeners to invest in their careers, meet peers and instructors, and approach each technical challenge as an opportunity to raise the bar for the entire industry. Listen to the full conversation above. Explore related episodes below. Stay engaged, keep learning, and continue scaling up your knowledge!    Timestamps  01:35 - Trace Blackmore shares a reminder for listeners about the AWT Technical Training on March 10-13   04:12 – Words of Water with James  09:20 - Transition to Interview Recap 11:24 - Second part Interview with Dan Merritt, CWT  12:40 - Losing CWT Certification 20:49 - ASSE 12080 Training 22:49 - Wastewater Training Expansion 38:22 - Sulfuric Acid Incident   Quotes "Failure is not the failure. Quitting is the failure."  "The water treatment industry is not something that you can do remotely. There is always going to be the need for people to troubleshoot water systems."  "Being a mentor is a great way to take that experience that we have and translate it—to give it away to those in our company."  "Don't worry about making mistakes. We all make mistakes, and that's how you learn."  "I swore up and down that I would never be a salesman. Now I'm the sales manager because I realized that selling solutions grounded in technical knowledge isn't about pushing products—it's about helping people."    Connect with Dan Merritt, CWT  Email: dmerritt@ch2o.com   Website: .https://www.ch2o.com/  LinkedIn: https://www.linkedin.com/in/daniel-merritt-cwt-18413819/.    Guest Resources Mentioned   Leaders Eat Last: Why Some Teams Pull Together and Others Don't by Simon Sinek (Paperback)    The AI-Driven Leader: Harnessing AI to Make Faster, Smarter Decisions by Geoff Woods, AI Thought Leadership   The Accidental Superpower: Ten Years On by Peter Zeihan (Narrator, Author)   The Shattering Peace: Old Man's War, Book 7 by John Scalzi (Author), Tavia Gilbert (Narrator), Audible Studios (Publisher)  Education Offerings – AWT  Become Certified – AWT    Scaling UP! H2O Resources Mentioned  AWT (Association of Water Technologies)  AWT Technical Training - Registration  2026 AWT Technical Training Schedule  Scaling UP! H2O Academy video courses  Submit a Show Idea  The Rising Tide Mastermind    Words of Water with James McDonald  Today's definition is a quantitative chemical analysis method to find the unknown concentration of a substance by gradually adding a solution with a known concentration until the reaction is complete, often signaled by an indicator's color change. Can you guess the word?       2026 Events for Water Professionals  Check out our Scaling UP! H2O Events Calendar where we've listed every event Water Treaters should be aware of by clicking HERE.   

It is imperative that you know how to discern the fruit of a false prophet in order to make it to heaven.

We discuss all the big announcements Apple made this week including the MacBook Nano, new M5 SoC, and iPad Air. Is Jack Dorsey right to get ahead of it and right when he says “most companies are late?” to replacing people with AI tools, or is this a mistake? And we have a new Zillow Game. Can you guess the correct price for these stunning properties before the staff do? Starring Tom Merritt, Sarah Lane, Robb Dunewood, Len Peralta, Nica Montford, Roger Chang, Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

Pollical pundit and columnist Merritt Allen comes in to discuss the military aspects of Iran, sleeper cells in the U.S., and who is running the show in the Middle East. Also Josh Kastenberg comes in slightly early to discuss all the latest in the news and politics of the World. All this and more on News Radio KKOB See omnystudio.com/listener for privacy information.

What separates war fighting from a warrior? Is it skill? Is it experience? Or is it something deeper that only reveals itself when it matters most?From the Pentagon, Fran Racioppi sat down with Sergeant Major of the Army Mike Weimer and retired Command Sergeant Major Rick Merritt to discuss what it truly means to build and sustain warriors in the United States Army.CSM Merritt spent over three decades on active duty, including 25 years in the 75th Ranger Regiment, serving in every enlisted leadership position from rifleman to Regimental Sergeant Major. He conducted over 1,500 combat operations under Joint Special Operations Command and served more than five years in combat task forces in Iraq and Afghanistan. His experience spans the full arc of modern warfare.Together with the SMA, we unpack into the difference between technical proficiency and true warrior mindset, what commitment looks like when compliance disappears, and how leaders enforce standards without eroding trust. We explore whether resilience is built over time or revealed under pressure, and how purpose sustains Soldiers when motivation begins to fade.As warfare becomes more technical and systems driven, the SMA is challenging the force to ensure technology enhances the warrior. Future conflict will demand innovation and the technological edge, but victory on the battlefield will still be decided by human judgment, character, and leadership.This is a conversation about standards, commitment, mental toughness, and the responsibility of leaders to hold the line…not just to engage in the business of war fighting, but to forge warriors ready to close with and destroy our nation's adversaries.HIGHLIGHTS0:00 Welcome to the Jedburgh Podcast4:40 Defining An Army Warrior14:02 Compliance to Commitment20:02 What Is The Army Culture?27:18 Why A Warrior Mindset Matters38:52 How to Lead the War fighting ProfessionQUOTES“I see a warrior as the reason why we do it.”“Make a difference with your presence. Otherwise, why are you there?”“A warrior is a way of life.”“Technology is not going to make up for the foundation.”“A warrior is one that is dedicated, disciplined, willing to go the extra mile, will fight for those left and right, and never quit.”“The best recruiters we have are our service members, our veterans.”“How much is enough of these key attributes to take a risk on you and bring you in and start developing the rest of that?”“There's just some things about human beings that are going to be done on an individual's basic timeline in life.”“It's not normal for this generation.”“Combat readiness is a way of life.”“Although I took the uniform off, my oath didn't go away.”“The guys on my team know that they're in the right spot with the right people, with the right culture.”“You're consecrated into this culture that I got to find when I retire.” “What makes that culture is character and character development.”“That probably makes the difference in the world is where our NCO core is compared to other countries.”“I'm a firm believer that the noncommissioned officer is the keeper of the culture.”“I think that was our biggest challenge in Vietnam.”“This profession, we hand you a machete and we say ‘Take that path.'”“Grit comes through hardship.”“At the end of the day, guys got to go on the ground.”“We're struggling a little bit in that space.”“There's no time limit on honorable service.”“What is better than being a company commander?”“Don't be a pain in the ass. Be value added.”“This is a journey, not a destination.”“A legend is nothing but a man or woman who spent their life surrounding themselves with people better than them.”Follow the Jedburgh Podcast and the Green Beret Foundation on social media. Listen on your favorite podcast platform, read on our website, and watch the full video version on YouTube as we show why America must continue to lead from the front, no matter the challenge.

Industrial water training only works when the knowledge transfers. That means the material lands with the audience, survives the drive home, and shows up later in the field when decisions get made.  Dan Merritt, CWT, Sales Manager at CH2O, brings a rare perspective to that problem. He started as a teacher (chemistry, calculus, physics), entered industrial water treatment on February 5, 2002, and later became part of the AWT training team. This conversation follows the path from classroom instruction to boiler rooms and cooling towers, then uses that journey to examine what makes technical training "stick" for working professionals.  From educator to water treater, then back to educator  Dan shares how leaving graduate study, teaching high school and community college, and stepping into service work shaped his approach to explaining technical concepts. The throughline is simple: the instructor owns the clarity. When someone in the room does not understand, the response is not frustration. The response is translation.  Bridging the knowledge gap without dumbing it down  Trace and Dan describe a common failure mode in technical instruction: experts answering correctly, but not helpfully. They frame the goal as closing the gap between what the instructor knows and what the audience can realistically absorb in the moment, especially for attendees building competence over time.  Stories and demonstrations as tools for retention  The episode highlights why AWT trainers lean on stories and physical demonstrations, from an Archimedes fountain to static electricity experiments. Dan explains how the "light bulb moment" is the reward of teaching, and why trainers adapt when a method fails (including what humidity can do to a demo in a room full of people).  Keeping the CWT exam in proper context  The conversation also draws a firm boundary: training supports growth, but it does not replace the CWT experience requirement and recommendations. Dan and Trace emphasize accurate language around the credential and reinforce what the training can and cannot do.  Listen to the full conversation above. Explore related episodes below. Stay engaged, keep learning, and continue scaling up your knowledge!    Timestamps  01:38 — Setup for a two-part series to help listeners prepare for AWT Technical Training 02:24 — AWT Technical Training logistics: March 10–13 in Frisco, Texas (near Dallas) 03:10 — Trace shares why AWT Technical Training matters personally (mentorship, community, support) 05:51 — "Desert Pete" story: why instructors "fill the bottle" by giving back through training 11:53 — Words of Water with James McDonald: definition + answer ("flow rate") 14:13 — Events mentioned for water professionals  18:42 — Trace introduces the guest: Dan Merritt (CH2O) and their history through AWT 19:39 — Dan's background: 24 years in water treatment; former teacher (chemistry, calculus, physics). 22:44 — Dan's entry into water treatment: Industrial Water Engineering ride-alongs + first field impressions 26:49 — Move to Pacific Northwest + start at CH2O (service tech) and why that timing mattered 31:40 — How Dan and Trace connected through AWT training; Dan begins teaching (service tech reporting). 34:17 — Dan's AWT involvement expands: education committee + Intro to Water Treatment online course task force 35:31 — Dan asked to teach the chemistry class; Trace frames "know your audience" and confidence gap 36:50 — Teaching tools and learning from misses: demos (Archimedes fountain, static electricity + humidity issue) 37:49 — The key teaching principle: "you're the instructor; it's your job to explain it clearly" (adult learners) 41:31 — Bridging the knowledge gap: why brilliance can miss the audience, and why training must translate 44:48 — Why a math/calculations class helps: making the "bang, there's your answer" steps teachable 50:19 — Troubleshooting reality: many forces in boilers/cooling towers; deeper understanding improves diagnosis 52:00 — Field story lesson: softener cleaning foam incident (why stories stick and prevent repeat mistakes) 56:19 — CWT clarification: training helps, but it cannot replace required experience and recommendations 58:31 — CWT wording matters: it's an "exam," not a "test" (Trace mentions Angela Pike's correction)   Quotes  "It's your job to explain the material in a way that we can understand it."  "It's our responsibility to take this information, to package it in a way so you, not me, you can understand it." "Math is the only known axiom that we have. And it kind of quiets the chaos." "And again, it's not a test. Do not say that it's a test. It is an exam."    Connect with Dan Merritt, CWT  Email: dmerritt@ch2o.com   Website: .https://www.ch2o.com/  LinkedIn: https://www.linkedin.com/in/daniel-merritt-cwt-18413819/ CH2O, inc.: Overview | LinkedIn    Guest Resources Mentioned   Education Offerings – AWT  Become Certified – AWT   I Said This, You Heard That 2nd Edition by Kathleen Edelman    Scaling UP! H2O Resources Mentioned  AWT (Association of Water Technologies)  AWT Technical Training - Registration  2026 AWT Technical Training Schedule Scaling UP! H2O Academy video courses  Submit a Show Idea  The Rising Tide Mastermind    Words of Water with James McDonald  Today's definition is a measure of the volume or mass of a fluid (liquid or gas) that passes through a certain point or cross-section over a unit of time.  Can you guess the word or phrase?    2026 Events for Water Professionals  Check out our Scaling UP! H2O Events Calendar where we've listed every event Water Treaters should be aware of by clicking HERE.   

If you know what to do to lose weight but still can't seem to do it, this episode is for you. Lia is joined by certified life coach and author Lizzie Merritt to explore why willpower keeps failing and why your nervous system is actually running the show. They unpack how diets create fear, why food becomes a source of safety, and how real change happens at the speed of safety. This conversation offers a powerful reframe for anyone ready to stop blaming themselves and work with their brain instead of against it. Website: www.confidentbody.coach LIGHT ebook: www.confidentbody.coach/ebook IG: @coachlizzie.merritt Facebook: https://www.facebook.com/profile.php?id=100070070048413 Do you know there are 3 different types of overeater? Find out which one you are by taking my FREE QUIZ:  ➡️https://liapinellicoaching.com/quiz Let's Connect: Ready to take this work deeper? Join me inside The Fempire, where we make transformation feel effortless. ➡️ https://www.liapinelli.com/weight-loss-coaching

Is your faith still as strong as the day you got out of your boat to walk to Jesus on the water?

Xbox replaces its leadership. Is this a sign that Microsoft is looking to sunset its gaming division or is there something else afoot? Samsung unveils its new Galaxy S26 lineup. We ask local Galaxy fan, Robb Dunewood, what he thinks of the new phone line? And Josh asks us “Do you think Meta is moving to close down Messenger?… Are they trying to get everyone on Facebook again OR are they planning to consolidate messaging into WhatsApp? Besides making it easier to maintain just one product, it might move to lock-in WhatsApp as the de facto world messaging app?” Starring Sarah Lane, Tom Merritt, Robb Dunewood, Roger Chang, Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

Nouveaux pilotes, un brin déjantés, à bord de la Libre Antenne sur RMC ! Jean-Christophe Drouet et Julien Cazarre prennent le relais. Après les grands matchs, quand la lumière reste allumée pour les vrais passionnés, place à la Libre Antenne : un espace à part, entre passion, humour et dérision, débats enflammés, franc-parler et second degré. Un rendez-vous nocturne à la Cazarre, où l'on parle foot bien sûr, mais aussi mauvaise foi, vannes, imitations et grands moments de radio imprévisibles !

Kathy Parry shares her journey as a mother of four whose youngest daughter, Merritt, was born with a severe mitochondrial disorder and ultimately lived 20 years despite an initial two‑year prognosis. She describes navigating an uncertain medical landscape, advocating persistently for her child, and developing a specialized diet that significantly improved Merritt's quality of life. Kathy reflects on the emotional and practical impact on her family—highlighting the deep empathy developed by her other children, the strain on her first marriage, and the joy Merritt brought into their lives. Her experiences led her into speaking, teaching resilience, and encouraging caregivers and professionals to reframe challenges, use empowering language, prioritize wellness, and practice self‑compassion. She emphasizes the importance of competent, compassionate health care and expresses gratitude for caregivers who make profound differences in the lives of people with intellectual and developmental disabilities.

The spike in memory prices is causing the price of other PC components to spike. What's affected and what can you do about it? How the FBI and Google acquired footage of abduction victim, Nancy Guthrie, and what it reveals about tech companies and your data. Plus we take a step back into the 70s and early 80s to experience the culture shocks of high inflation and rising unemployment. Starring Sarah Lane, Tom Merritt, Robb Dunewood, Shannon Morse, Len Peralta, Roger Chang, Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

Without your thorn would you remember God's grace and mercy? Or, would you forget all about it?

The February 2, 2026 livestream with Peymon Mottahedeh from Freedom Law School was a masterclass in questioning the status quo. Dr. Lee Merritt and I explored voluntary tax filing, IRS myths, and peaceful paths to sovereignty—framing the "2026 tax strike" as a modern 1776 movement. If you missed it, the replay is available on Rumble, YouTube, and podcasts. This companion unpacks the episode's insights on rights, deception, and action. Important disclaimer: This is educational; views are contested by authorities—consult professionals, as non-compliance risks penalties. Peymon called for a coordinated non-compliance movement to defund overreach, likening it to independence—safe for non-filers due to IRS limitations. From past oppression to current collapse (80 million non-filers, outdated systems), Peymon argued the agency relies on bluff and fear. A practical guide: educate, recognize bluffs, petition Congress, join community funds, stop withholding, respond wisely, share truth. Prosecutions rare (mostly filers); AI won't fix inefficiency; filing's stress is the real burden. The episode connects tax myths to broader propaganda, urging lawful resistance and community. Thank you for tuning in. Use code "dangerous" at affiliates—stay empowered. Stay dangerous, Courtenay Turner & Dr. Lee Merritt Subscribe for more bold discussions on liberty, controversy, and empowerment. Turn on notifications! Too hot for YouTube — live at 5pm Central on Rumble.Read the accompanying article to this episode, here: https://courtenayturner.substack.com/p/dangerous-dames-ep87-the-2026-tax Replay & archives at https://thedangerousdames.comSupport the show (code “dangerous” at affiliates) and subscribe — the map is being redrawn this week.Let's get dangerous. ▶Support our show by supporting your health & wealth!
 ▶The Medical Rebel Shop: Promo Code: DANGEROUShttps://www.themedicalrebelshop.com ▶Richardson Nutrition Center:https://rncstore.com/dangerousUse Promo Code: DANGEROUS for a 10% Discount!------------------------------------- ▶Follow & Connect with Dr. Merritt:https://drleemerritt.com/ ▶Follow & Connect with Courtenay:https://linktr.ee/courtenayturner(Secure your copy of her book "The Final Betrayal: How Technocracy Destroys America", a #1 Amazon Best Seller, at https://www.technocracy.news/store/the-final-betrayal/ ) ©2026 All Rights Reserved. Learn more about your ad choices. Visit megaphone.fm/adchoices

Who will you decide to open a door for in the church?

What do analysts mean when they say that the AI boom is a circular economy, and is that bad thing? Nate Lanxon from Bloomberg explains. Plus We discuss what Discord's demand for identification to unlock all its features means for anonymity on the web? And we have a trivia game that will test your knowledge of the intersection between technology and British musicians. Starring Sarah Lane, Tom Merritt, Robb Dunewood, Nate Lanxon, Len Peralta, Roger Chang, Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

Clip of the Week-"The Resurrection" Brother Paul Merritt, Sr.   At Camp Meeting of 1956, Bro. Paul Merritt, Sr. shared “The Resurrection”. Asking his boys to stand by his side, Uncle Paul preaches from the announcement of Jesus to Mary and Joseph through His resurrection. This message is packed with passion, emotion, and exhortation as he unapologetically “declares unto you the gospel”. Please make time to enjoy this sermon as we celebrate the resurrection of our Lord and Savior Jesus Christ. Bro. David Cosby  

For most of my career, I've been focused on two things: Operating businesses and Multifamily real estate. The strategy has been pretty simple. Take money generated from higher-risk, active businesses… and move it into more stable, long-term assets like apartment buildings. That shift—from risk to stability—is how I've tried to build durability over time. Now, to be fair, the sharp rise in interest rates a few years ago put a dent in that model. But zooming out, it's still worked well for me overall. So I'm sticking with it. That said, there are other ways to think about real estate. In some cases, the real opportunity is when you combine real estate with an operating business. We've done that before in the Wealth Formula Investor Club with self-storage, and the results were excellent. Storage is operationally simple, relatively boring—and that's exactly why it works. But there's another category that sits at the opposite end of the spectrum. Hotels. They're sexier.They're more volatile.And yes—they're riskier. But the upside can be dramatically higher. One of my closest friends here in Montecito has quietly built a fortune doing boutique hotels over the past few years. He started with a no-frills hotel in Texas serving the oil drilling industry. Over time, he combined his operational experience with his talent as a designer—and eventually created some of the highest-rated boutique hotels in the world. He's absolutely crushing it. Of course, most of us aren't world-class designers or architects. I'm certainly not. Still, his success made me curious. Hotels have been on my radar for a while now—not because I understand the business, but because I don't. When I asked him how he learned the hotel industry, his answer was honest: “I figured it out on the fly—starting with my first acquisition and a great broker.” That's usually how real learning happens. So this week on the Wealth Formula Podcast, I brought on an expert in hospitality investing to educate both of us. We cover the basics: How hotel investing actually worksWhere the real risks are (and where they aren't)How returns differ from multifamilyAnd what someone should understand before ever touching their first hotel deal If you've ever thought about buying or investing in hotels—but didn't know where to start—welcome to the club. You don't have to jump in tomorrow. But you do have to start somewhere. This episode is a good starting point. Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/545-should-you-invest-in-hotels/id718416620?i=1000748759003 Listen on Spotify: https://open.spotify.com/episode/5Lx5Rp4x704lWRazWLqDOK Watch on YouTube: https://youtu.be/GMFf6-g8w_0 Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, if you’ve not done so and you are an accredited investor, go to wealthformula.com, sign up for our investor club. Uh, the opportunity there is really to see private deal flow that you wouldn’t otherwise see because it can’t be advertised. And, uh, only available to those people who are deemed accredited. And then what does accredited mean as a reminder? Well, if you’re married, you make $300,000 per year combined for at least two years with a reasonable expectation, continue to do so, or you have a net worth of a million dollars outside of your personal residence. Or if you’re single like me, $200,000 per year or a million dollars net worth. Anyway, that’s probably, uh, most of you. So all you gotta do is go to wealth formula.com, sign up for investor club because hey, who doesn’t wanna be part of a club? And, uh, by the way, it’s a great price. It’s free. So join it. Just get onboarded and all you gotta do is just wait for deal flow. What a deal. Now let’s talk about different kinds of things to invest in. For most of my career, I, I have really focused on two things I’ve focused on. Either operating businesses, uh, in my case, those operating businesses largely have been medical and multifamily real estate. Uh, the strategy itself, theoretically the way I think about it, take money from sort of these active businesses, a higher risk, move them into more stable long-term assets like apartment buildings. Okay? The idea is that’s how you build some durability over time. Now, to be fair, okay, to be fair. Sharp rise in interest rates a few years ago. Put a little bit of a dent in that model. But here’s the thing is that you can’t throw out the, uh, baby with the bath water. ’cause when I zoom out, still worked well for me overall. So I’m sticking with it and, uh, that’s my story. I’m sticking with it. That said, there are always other ways to think about real estate, right? Real estate is not just multifamily. Um, in some cases, the real opportunity is when you combine real estate and operating businesses. So. We’ve actually done that before in our wealth formula investor club. Um, and we’ve done that through self-storage, for example, and the results were really good. Storage is operationally, generally pretty simple. Probably not that simple, but you know, but more so than other things, relatively boring. Boring is good, and that’s exactly why it works. There’s another category that sits at the opposite end of the spectrum of boring, and it’s sexier and it’s more volatile and it’s riskier. And uh, that is the area of hotels, right, like leisure, that kind of thing. But the upside in those things can be dramatically higher. You know, one of my closest friends here. Montecito, I talk about him all the time. He’s a, he is a little bit of an inspiration to me, although I wouldn’t tell that to in space. He’s built a fortune doing boutique hotels over the past few years and the way he started, you know, and I think it was only about a decade ago because he bought like this no frills hotel in Texas that was serving the oil industry. There was a bunch of guys, you know, drilling needed a place to say, and you know, he had this and he actually. I don’t know that I would recommend this, but he, he told me he bought it sight unseen just based on the numbers. Ah, man, I gotta tell you, I don’t think I’m that lucky. If I bought something sight unseen, it would not work great for me, but it did work great for him. But over time, what he did is he, he combined his operational experience with his talent as he’s like a designer, like designs, homes, an architect, uh, of sorts, although more than that. Um, and he, he used to build houses for like famous people in Hollywood. Anyway, he took that skill and so he combined it with hotels and he created some of the highest rated boutique hotels in the world. And he’s absolutely crushing it. Just crushing it. Of course, the reality is that most of us aren’t world-class designers or architects. I’m certainly not. I’m not artistic at all. Still, um, you know, the fact that he’s had so much success in this space and that he loves hotels. What got me curious? So, hotels have been on my radar for a while, not because I understand the business, but actually because I don’t. And when I asked him how he learned, uh, about the hotel industry, he just said, you know, I figured out on the fly and, uh, you know, started with my first acquisition, had a great broker who taught me everything I, you know, needed to know at the beginning and. That’s a great story. I mean, and ideally that’s how things happen. As you can tell, this guy is, uh, seems to just hit on everything. So good for him. So this week on Wealth Formula Podcast, I wanted to get a little bit of a hotel investing 1 0 1. So I brought on an expert in hospitality investing that could educate both you and me. So we’re gonna cover some of the basics, how hotel actually works, you know, what are the risks returns. Like, what should people do if they even consider, you know, buying their first hotel or investing in one? So if you’ve ever thought about investing, uh, in hotels, or maybe that’s the first time you’re hearing about it and you’re curious, uh, welcome to the club and uh, we will have a great interview for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Farm I podcast is, uh, John O’Neill. He’s a, a professor of hospitality management and director of the Hospitality Real Estate Strategy Group at Pennsylvania State University. Uh, he spent decades studying hotel valuation performance, Cabo flows and economic cycles in in the lodging industry. John, thanks for, uh, joining us. You’re welcome. So, you know, we’re talking offline. You’ve been in the hotel business for a long time. We’re trying to figure out how to frame this thing because you know, I mean there are, I know there are certainly people in. Uh, who in, in my group and my listeners, my community who are in the hotel space, but a lot of ’em aren’t. And you know, they’ve been thinking about, well, you know, we do a lot of apartment buildings, that kind of thing. Um, you know, what else should we be thinking about? And so, you know, when we hear, uh, hotel, um, they’re thinking of hospitality. But from an investor’s perspective, I guess the first question ask is what kind of real estate asset is a hotel? And, and may, may maybe just sort of fundamentally how different it is. From apartments office or retail? Yeah, that’s a great question because hotels are fundamentally different. But what I’ve seen over the past few years as well is hotels have increasingly been considered to be a component of commercial real estate. So we’ve always thought about office and retail and residential and industrial as being components of commercial real estate, but increasingly. Investors are thinking about hotels that way as well, because some of the high risk aspects of hotels have been moderated a little bit. So they are still considered to be a high risk and potentially high reward category, but they’re much more cyclical than those other types of businesses. So if we look at apartment leases, maybe being a year or two. Office leases may be being three to five years and retail leases could be five or 10 years. The leases in hotels are one or two nights, so there’s upside, but there’s risk involved in that as well. So when there’s pressure in a market to increase rates, like here where I am in University Park, Pennsylvania, when we have a home football game. We can see hotels with average daily rates of maybe a hundred to $200 a night charging seven, eight, $900 per night, and filling up on those rates. You can’t do that in an office building or in a retail center. And so there’s great opportunity when demand increases to push up rates and to greatly benefit from that. The flip side of courses on Sunday night when all those guests leave. You might be back to a hundred dollars a night and running 20 or 30% occupancy. Do hotels kind of follow the rest of real estate in terms of market cycles though? Yeah, it depends. I, I would say in many cases they’re actually leaders, which again, double-edged sword there. So for, yeah, when we plummeted in 2020 because of COVID hotels were probably the first category really to see it. Demand dried up overnight, and you go back to September 11th, 2001 on September 12th, 2001, a lot of hotels were empty and that wasn’t the case with office buildings and retail centers. The flip side, of course, is when the economy started improving, hotel operators could start pushing their rates very quickly. And so other categories of commercial real estate didn’t receive those benefits. Yeah, I mean, obviously there’s certainly gonna be. Real estate that’s often used that that’s often using debt and, you know, probably has the same sort of, uh, issues with regard to cap rate compression or decompression based on interest rates as well. Right, right. So, um, where are we? Right? What would you say right now, like, I mean, we know that. Our, we’ve been following very closely on the multifamily side. You know, prices are depressed. I mean, from 2022, we’re looking at probably 30% to 40%. Most, most, uh, large apartment complexes are not moving because people don’t wanna sell into a down market. But when they are, they’re being sold at 30, 40% discounts compared to 2022. Where is the, where is the hotel? Market at right now? It it, it’s challenged because right now we’re seeing discrepancies between where buyers wanna buy and sellers wanna sell. We’ve started to see some movement because some sellers have come down a bit in pricing because of what we’ve seen in 2025, the market really did soften as far as the hotel business is concerned. So in 2025. We really saw no increase in occupancy and in many markets we saw some decreases in occupancy. We are still seeing average daily rates going up a little bit, so yeah. Might be worth maybe a quick step backward that the two key indicators in terms of hotel lodging performance would be occupancy and average daily rate. With occupancy being the extent to which the guest rooms are occupied and average daily rate being the average price somebody is paying. We can talk about the mathematics of those, but, um, just I think conceptually, hopefully that makes sense. But, so, you know, at this point what we’re seeing is average daily rates are still going up a little bit, and the forecasts for 2026 are. Pretty much more of the same, where we’re not expected to see great occupancy increases, but we are anticipating that the average daily rates might go up a little bit. Uh, and, and in fact we might see occupancies decline slightly. And, uh, we might see, uh, average daily rates still possibly going up a little bit. That’s usually an indicator of being late in the cycle, you know, being somewhere near the peak and, and, you know, if the trough was 2020. Which was a pretty deep trough. 2021, we started seeing improvements and we saw great improvements in 22, 23, and 24, and so it’s looking like the end of a cycle. The thing we don’t really know for sure is, is there some reason that we’re going to really go into a substantial down period or are we actually in a situation where we’re going to have another upcycle? Yeah. You know, the other thing I was curious about too, like when you talk about these cycles for hotels, even within hotels, there are certainly, you know, different types of hotels. You know, there’s the boutiquey ones that are pe really pure tourism versus the ones that, okay, well maybe they are, you know, good for football games or. There’s others that are people use for, for, for work frequently, right? They’re, they’re just passing through for, for work trips. Do you, is there, um, is that difficult to extricate those types of different economies running at the same time? It’s not, I, I don’t know that it’s that difficult, you know, just to give you a little bit about my background, I’ve been a professor for some time, but prior to being a professor I worked for. Three of the four major hospitality organizations, namely Marriott, IHG, and Hyatt. Uh, and so going back into the 1980s when I was doing feasibility studies for proposed Marriott hotels, we, in most markets, analyzed three markets segments. And, and you essentially said what they are commercial business, which are your business travelers, leisure business, which are your pleasure travelers, and then groups, which includes conventions and, and those are still the three major market segments in most markets. In, in some markets. For example, if you’re approximate to a major international airport, there’s usually a fourth segment, which is that fourth segment is airline crew business, which is, is very different than the other three because. Whereas the other three go up and down throughout, not just the year, but throughout the week. Airline crew business tends to be stable throughout the year, so it, it, it’s in your hotel 365 nights outta the year. So it’s, it’s a very low risk, but also a very low rated market segment. So it, I don’t know if that’s that complicated, but it just needs to be broken out as you delineated it, which is that there’s. Three or four market segments in any market. And in terms of studying a hotel for development or for investment, it’s necessary to understand not just what’s going on on the supply side, in other words what’s going on in the hotels, but what’s going on in the demand side as well. So give you an example. I recently did a feasibility study in a market, which is a big pharmaceutical market. So I actually spent time with major pharmaceutical people talking about, where are you staying now? Why are you staying there? Are you a member of the Frequent traveler program? How does your business vary throughout the year? What rates are you paying? What facilities and amenities are you seeking? And things like that. So to really understand the demand because that demand segment. So important in that market. So it is ultimately a street corner business and what’s going on in a specific market in terms of the mix of commercial, leisure and group business and possibly other market segments. Really is something that we have to study in depth when we conduct a feasibility study or an appraisal for hotel. I, I don’t know if I mentioned, I’m a licensed real estate appraiser too, and although my licenses allow me to appraise any type of property, I only appraise hotels. Got it. Businesses fundamentally changed pre COVID and post COVID. I would assume that there’s probably less travel. Are you seeing impact? On those types of hotels from that kind of, you know, less travel, more zoom type activity. Yeah. And, and that’s a great, that’s a great follow up because with those market segments, although the segments are the same. The demand from each of those segments really has different, and, and as you said, it really changed substantially in COVID. It, it, it’s fascinating how once we were forced to use Zoom and, and other, you know, Microsoft teams and other technology like that, you know, we, we kind of did a kicking and screaming. But once we figured it out, we realized we didn’t get a lot done. Uh, now I spent last week in Los Angeles at America’s Lodging Investment Summit, and I go to this. Function every year, because I see many of the same people year after year, and the business cards might change, but it’s the same people involved in the hotel business, whether they’re brokers or investors or asset managers or consultants or appraisers. But in between. Each year I do a lot on Zoom with these people and you know, we can keep those relationships going. So it hasn’t eliminated, you know, in my personal case, my need to travel, but it has substantially reduced it. And I think a lot of other business people have seen the same thing. So if we look at the recovery since COVID, it was fascinating because the first market segment that recovered and recovered really strongly was leisure business and people, people see it as their right. To have a vacation and, and people were paying high rates, particularly in, in, in mountain locations and in beach locations. And so those rates came up really quickly. And then the group business followed. If people do wanna go to group functions like I did last week in la what has not recovered to the level of 2019 though is the business travel. Right. Interesting. So I, that’s probably a, uh, you know, and he, I can’t really see a particularly promising future for that Subsect either. Right. I think, in fact, bill Gates said it’s never going to be back to the, you know, he, he’s an investor in Four Seasons hotels, and he said it’ll never be back to the way it was in 2019. I don’t know if he’s right. I mean, because I, I still feel like we get a lot of things done. Face-to-face, person to person that we really can’t do in Zoom. I don’t think Zoom is great for establishing relationships. I, I still think that we need face-to-face, uh, personal contact. But, you know, that might be just my perspective because I’ve been working in hotels since I was a teenager and I’m really far from being a teenager now. And, you know, I, I’ve been indoctrinated in this philosophy of the importance of face-to-face contact. But yeah, you know, that might be generational. You with a younger generation. Yeah. Yeah, absolutely. Um, you know, just kind of going back to the difference differences, uh, with compared to other real estate hotels, ultimately the, one of the big differences, they’re operating businesses, right? I mean, they’re not that large. Apartment buildings aren’t, but they’re is I think, a specific sort of operational execution that matters a lot in hotels. So, you know, in invest, when investors are kinda looking at that, I mean, they, they should probably be not looking at it as nearly as passive as other real estate investments. Is that fair? I, I think that’s very fair because I think, you know, it, it shows what’s happened in terms of the market with real estate investment trust. Because I’ve sold my entire position in hotel real estate investment trust and, and as you probably know, if we look at real estate investment trust. Different categories in, in commercial real estate, hotels lag, which is fascinating because everything else we’ve been talking about explains why hotel returns tend to outperform other classes of commercial real estate. More volatility, but higher returns on average. If you can withstand the long period, uh, that you need to be an investor. On real estate investment trust, it’s the opposite. Hotels actually lag and, and I think it really is because of exactly what you’re talking about, which is that they really are like an operating business where there’s also real estate as opposed to a real estate play where it’s almost like there’s an annuity of rent that is very easily projected, uh, in hotels. You know, we, we. Project all the time how they’re going to perform. But you know, you know, I hope my projections are very good, but there’s always things that can COVID. For example, you know, now there’s a virus in, in India that you know might be coming and, you know, we don’t know, will this be substantial or will it be really minor in the Americas? We really don’t know. Uh, that won’t have a big effect on, on other classes of real estate investment trust, but. It could have a big effect in hotels, so, so the unknowns in hotels are very high. And then when you combine that with the fact that they are an operating business, which are very labor intensive and wage rates are going up. So the cost structure and the management of that cost structure becomes. Very important and the expertise of the hotel managers becomes very important. And so, yeah, like you say, other classes of commercial real estate or, or institutional real estate investments have an operational component. It’s much greater when it comes to hotels. So I actually have a friend who’s an, um, owns, uh, a few boutique hotels here in, in California, and he was telling me one of the things that he’s kind of worried about is, um, you know, they, they’re, they have some, um. Some mandates coming up with regard to, you know, minimum wage and, and all these things that, uh, hotel workers have to get, uh, give you just outta curiosity. I mean, most of my audience is not in California. I am, but have you heard about this? Can you tell us a little bit about those pressures? Yeah, I have heard about it. And there’s, there’s forces on the other side as well, namely the American Hotel and Lodging Association, which represents hotel owners, managers, and franchisers. And so they have a voice in these things as well. But the, the, the forest, particularly in places like California and, and in the west coast in general, we’ve seen it in Seattle as well. Um, you know, in, in terms of increasing minimum wages to rates that, that are shocking to me. Um, you know, that’s, that’s a big issue. You know, you don’t see it as much in the middle of the country, but you do see it on the coast and particularly in the, on the West Coast. So, you know, if we’re looking at projections, say into 2026 and, and perhaps beyond, we expect in many cases to be seeing higher growth in wage expenses than we expect to see growth in RevPAR, which is room revenue, preoccupied room, which is just occupancy times average daily rate. So the, the overall revenue is expected, at least in the short term, to grow more slowly. Than expenses and, and wages are really driving a lot of it. And then anything that’s affected by wages, so insurance, for example, property taxes, other expenses are really growing at this stage more than what we’ve seen in terms of revenue growth. So that’s, that’s a challenge right now. The, the question I think really then is how much will AI affect that and to what extent will guests become more comfortable with checking in? On an iPad type of a situation as opposed to seeing a person face to face, and there’s probably generational differences there. What it is forcing hotel operators to do is the same kinds of things that restaurant operators have been forced to do, which is find ways to use technology and actually have the guests face the technology and get the guests comfortable with that. In terms of things like check in and check out, you know, but still in hotels the rooms have to be cleaned and, and although there’s robots that. You know, they’re nowhere near what, where they need to be to actually clean Hotel guestroom jet, at least in any sort of economically viable way. But, you know, the long-term question is to what extent will the industry be adopting AI and other technology in order to address that issue? Because that’s what’s going to happen. It’s, it’s, you know, it’s not just going to be a situation where. The operators will accept paying higher wages and have the same number of employees in each hotel. Right. Um, branding, you know, sort of confusing to a lot of people. Not in the space, but you know, what role do hotel brands actually kind of play in, in protecting revenue and value? Um, and I guess when does a brand help an owner versus become a constraint? Yeah. You know, brands have been very important and, and I, I forget if I mentioned but of the, the big brand companies I’ve worked for three of them and, um. You know, they, they, they typically started as management companies. So originally companies like Hilton and Marriott primarily generated revenue through management fees. And so they own some of the real estate, although they’ve become asset light over the years and own very little, if any, anymore. Uh, but they do still manage hotels. So one thing that the brand companies do have is expertise in terms of management. That’s one of the fees that a branded hotel and a non-branded hotel would have as well, would be a management fee, which is usually expressed as a percentage of revenue. And sometimes there’s an incentive structure in there as well. But then there’s a franchise fee, which is just paying for the brand, and, and that’s usually as a percentage of total revenue, higher than the management fee. But what it does is it, it, it. Puts the property in a global distribution system, so the global distribution systems that brands like Marriott and Hilton and IHG and, and HIA have, uh, they. Generate heads and beds. You know, that’s, that’s the term we always, when I worked at Hyatt and Merritt, we always talked about heads and beds. Every night you’re trying to, trying to get people in the rooms. The brands do a lot to put heads and beds, you know, in a typical hotel with a good brand affiliation. Somewhere between probably a third and two thirds of the occupy rooms actually came in through the brand global distribution system, which historically was a toll free reservation system. And although the, you know, those still exist now, it’s really more of a focus on the online system and, and, and sometimes toll-free reservations and direct reservations. But, but that’s what the brand does. It, it, it ultimately is a generator of. So kind of just focusing on somebody who’s potentially thinking about hotels as an investment. So far, what I gleaned from you, and, and correct me if I’m wrong, is that timing probably isn’t perfect right now. We’re probably, you know, we’re probably in a, you know, a peak and you generally not a great idea to buy in peaks. Um. I personally, from what I understand, would stay outta California. You know, uh, you know, like my friend was saying that it was gonna make it very difficult for a lot of hotels to have their, you know, hotel restaurants even. And so he foresees like a lot of them having to close those down. Um, and then the, the next thing I think is, gosh, you really have to be cognizant of the, of the fact that, you know, work patterns are changing. And so maybe that’s not a good. Way to go, either. What other, what are some other big picture things that you think people ought to be thinking about as they evaluate the space? Yeah. Well, I think there’s a couple of things. One of which is. That is a street corner business. So it really depends on what street corner you’re in. Uh, I’ve done some research just on how hotels perform in university towns versus other locations because, for example, there are brands now called graduate hotels, which eventually was acquired by Hilton, uh, and, uh, scholar Hotels and, and these properties are university town hotels. They’re doing okay. You know, they’re, they’re doing okay. If you look at how universities operate, we’ve seen some Ivy League schools pay 60, $80 million or more just to make sure they keep that billion dollars a year coming in from the federal government that they, they get for research grants and, and we’ve seen, you know, look at what’s going on with NIL now in terms of, of university sports. Universities clearly are willing to. You gen willing to spend a lot of money to keep doing what they do, which is, you know, they, they generate a lot of research and I’m talking about. Big universities now, uh, you know, a lot of research and, and there’s a sporting business aspect to universities as well. So university towns are okay, and, and what I ultimately found in my research is they’re much less cyclical than the average. So, you know, we talk about the risk of hotels as things go up and things go down and things go up and down. That doesn’t happen as much in university towns. You know, big universities don’t close and, and don’t even substantially change their business model. So it really depends on, on where you’re located. And then there’s certain cities as well, you know, people, you know, I, I don’t have to go into detail about my last visit to San Francisco and how weird it was, and I was with students and, and told my female students don’t go out at night alone. I mean, it was, it was, it was really freaky, but. San Francisco now might be a place to invest. Now San Francisco probably has bottomed out. Uh, and the same might be true with New York. So, you know, it really depends on where you’re going. I, I think in general, yeah, you know, there’s, there’s concerns, but even so, you know, I think it’s still might be a good time to invest in. Good quality hotel companies, just, you know, in terms of the stock market and, and equity in, in businesses like Marriott and, and Hilton because their franchise fees and their management fees are a percentage of total revenue. So hotels that are not profitable, that are a member of those brand affiliations are still paying. Into those systems and you know, hopefully the goal is that these properties become profitable, but even while they’re not profitable, they owe franchise fees and in some cases management fees as well. So I think there are a lot of ways to still invest in the hotel business. It’s just what vehicles are being used and where. So, you know, it sounds a little overwhelming, um, for someone who, again, who’s new to the space. Any suggestions on how somebody might just learn more about this ecosystem and, you know, start to go down this path of potentially becoming, you know, a hotel investor? Yeah. Well, first thing is, you know, we talked about ai. AI is pretty good for helping people to learn. So if you wanna learn about the hotel business, you can go and have a really good conversation with chat GPT about what makes it click and where could the opportunities lie today. Uh, you know, I’ve gone over the past year from essentially not using AI at all to using it essentially every day. And so that’s a great way because that’ll access a lot of, there, there’s trade journals, for example, but it’ll access those things. Uh, the conference, like I went to last week, the America’s Lodging Investment Summit, which is in LA every year is a. Is a great place to learn as well. There’s, there’s wonderful sessions and that conference is attended by everybody from Anthony Capano, who’s the CEO of Marriott, down to people involved in real estate and investments in the hotels and, and who essentially make their living. Off of those as brokers, appraisers, consultants, asset managers and things like that. So, so there’s ways online to do it and there’s ways to do it actually by attending conferences as well. Yeah. A good broker as well. Right. I mean, you know, going back to my, my friend who, who’s become a very successful hotelier, the first one he bought, he threw a broker and he said he learned everything about hotels that he knows from that guy. Um. So that’s probably, it probably tells you something as well. Yeah. And, and there are some excellent hotel brokers. There’s some who are national in scope and some who are local in scope. So again, it depends on where you’re thinking you might wanna be investing. Uh, but, but there’s some great local brokers, but then there’s national firms like JLL and CBRE and Hunter, uh, that, you know, they have really good people who are very knowledgeable about the hotel business. Yeah. John, thanks so much for, uh, joining us here on Wealth Formula Podcast and giving us sort of an overview of the, uh, um, hotel, uh, real estate, uh, uh, asset class. You bet you make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed and again, uh, hey hotels. Think about it. I guess. Uh, I continue. I will continue to do so, uh, especially given my buddy’s success in this space. Um. Although, I will tell you, I probably am not a boutique hotel guy. Um, you know, I don’t, I don’t know that I could make it super fancy, you know? And then on the other hand, you hear about these, uh, hotels that are. For the people traveling through and they’re not doing this so great. So maybe wait till that we hit that, um, that trough that he was talking about, he said we’re kind of at a peak right now. Anyway, that’s it for me. Uh, this week on Wealth Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

The former Husker joins the show in-studio to talk about her time in the transfer portal, her pro career, and where she'd be if she never came to Lincoln.

Tech firms like Spotify have already upended the music business, with many artists struggling to adjust. Will AI-generated music mean the end of musicians? In this miniseries, Debugger follows Grammy-nominated folk musician Tift Merritt as she records her first new record in nearly a decade and tries to navigate this perilous time for musicians. In part 1, Merritt tells host Bob Sullivan what it's like to re-enter the industry after taking 8 years off to raise her daughter.

In this special episode, Valeria revisits some of her most powerful and revealing conversations with iconic women in modeling - going beyond the runway & behind the camera to explore identity, resilience, motherhood, and the experiences that shaped who they are today. Kelsey Merritt opens up about growing up in the Philippines with a strict mother, navigating the modeling industry as a biracial woman, and how her immigrant family values gave her thick skin. Next, Jasmine Tookes reflects on being raised by a young single mother, always knowing she wanted to be a model, and building confidence in an industry where she was often the only Black woman in the room. Finally, Miranda Kerr joins Valeria for a deeply honest conversation about life after Victoria's Secret. Her motherhood journey - as a mom of four boys, miscarriage, breastfeeding, aging, and more. Miranda shares how her priorities have shifted and tells us more about her brand, KORA Organics.  Together, these conversations peel back the layers behind globally recognized faces to reveal the real women underneath - their values, doubts, lessons, and quiet strength. Follow The Women - Kelsey MerrittInstagram: https://www.instagram.com/kelseymerritt/TikTok: https://www.tiktok.com/@kelseymerritt Jasmine Tookes Instagram: https://www.instagram.com/jtookes/ TikTok: https://www.tiktok.com/@jastookes Miranda KerrInstagram: https://www.instagram.com/mirandakerr/KORA Organics: https://koraorganics.com Valeria's Instagram: https://www.instagram.com/valerialipovetsky/Valeria's TikTok: https://www.tiktok.com/@valeria.lipovetsky Not Alone's Instagram: https://www.instagram.com/notalonepod/Not Alone's TikTok: https://www.tiktok.com/@notalone.pod Shop My Looks: https://shopmy.us/collections/3871837?tab=collections What we talked about: 0:00 – Introduction 1:57 – Kelsey Merritt: growing up Filipina & being scouted online 4:05 – Kelsey Merritt: Strict immigrant parents & modeling feedback 6:03 – Kelsey Merritt: Identity, representation & being “the first” 11:16 – Kelsey Merritt: Commercial vs high fashion modeling realities 14:49 – Kelsey Merritt: Discovering independence in New York 18:04 – Kelsey Merritt: Beauty standards in the Philippines 24:25 – Introducing Jasmine Tookes 26:13 – Jasmine Tookes: Dreaming of Victoria's Secret from childhood 28:03 –Jasmine Tookes: Modeling young & having a protective mom 33:18 – Jasmine Tookes: Being the only Black model in the room 35:21 –Jasmine Tookes:  Motherhood & identity shifts 39:23 – Jasmine Tookes: Daddy issues & family boundaries 42:52 – Introducing Miranda Kerr 45:34 – Miranda Kerr: Choosing not to return to Victoria's Secret 47:06 – Miranda Kerr: Motherhood & breastfeeding 49:02 – Miranda Kerr: Miscarriage 52:17 – Miranda Kerr: Raising boys & navigating teen years 56:06 – Miranda Kerr: Wellness, skincare & aging with gratitude 1:00:49 – Final reflections Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey y'all! We are back, but this time it is just Merritt and Cyrus...guess we are talking basketball this time around! Just kidding! We of course talk about the craziness of the current model of NCAA basketball, West Virginia basketball, plus the carousel of NFL Head Coaches. Enjoy the musings of Merritt and Cyrus. We promise the Gang will be back together soon! 

Testimony Of Trials | Philippians 1:12-18 | Dr. Jamie Merritt 

How should you handle your encounters with the enemy? Let's listen to Bishop to find out what the Word of God says.

We share our feelings about Moltbook, a Reddit-like site for AI agents from popular AI assistant platform OpenClaw. Komei asked what steps any of us have taken to make provisions for our accounts after we die. And the Information reports Nvidia will not be introducing any new GPUs in 2026. Is this the final nail in the coffin for the DIY PC enthusiast hobby? Starring Sarah Lane, Tom Merritt, Robb Dunewood, Len Peralta, Roger Chang, Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

We sit with Marcus Merritt on the new Luther rice and there new program. To Purchase our cigar line go to: https://1689cigars.com/collections/4-freedom-cigars Our Experience Box: https://1689cigars.com/collections/4-freedom-cigars/products/the-4-freedom-experience-boxTo purchase James New Book "From Brokenness to Freedom" https://a.co/d/c7UX3xT For more info visit our website: https://4freedompodcast.comFor Merch visit this site: https://www.teepublic.com/user/freedom-ministries?utm_source=designer&utm_medium=social&utm_campaign=Gq_E0abDp_8

When we live in Christ, the promises of God will never fail.

Defying 1974 Terminal Diagnosis Without Chemo – B17, Nutrition Choices, and How New Guidelines Validate Real Food Over Processed Poison Streaming live today on Dangerous Dames: Hosts Courtenay Turner and Dr. Lee Merritt welcome Rick Hill, a 51-year cancer survivor, author, and Oasis of Hope ambassador who turned a grim 1974 Mayo Clinic stage 3 embryonal cell carcinoma diagnosis into a legacy of hope. Rick defied conventional paths—no chemo or radiation—choosing metabolic therapy, targeted nutrition including B17, and strict anti-sugar/real food protocols that kept him thriving for decades. 'I'm Alive Today Because I Didn't Follow the Old Guidelines,' Rick shares, critiquing 1970s low-fat/high-carb disasters while celebrating how today's federal shifts finally echo what saved him: avoid ultra-processed poisons, protect metabolism, eat real food. This episode connects personal proof to policy headlines, challenging Big Sugar influences and exploring transparency in cancer prevention/treatment choices. Inspiring for anyone facing adversity or questioning mainstream narratives. Support natural approaches at https://rncstore.com/dangerous – use code 'dangerous' for discounts on Rick's prevention bundles, B17 products, and more. Tune in for dangerous truths that empower real healing! Too hot for YouTube — live at 5pm Central on Rumble.Read the accompanying article to this episode, here: https://courtenayturner.substack.com/p/dangerous-dames-ep86-battling-big Replay & archives at https://thedangerousdames.comSupport the show (code “dangerous” at affiliates) and subscribe — the map is being redrawn this week.Let's get dangerous. ▶Support our show by supporting your health & wealth!
 ▶The Medical Rebel Shop: Promo Code: DANGEROUShttps://www.themedicalrebelshop.com ▶Richardson Nutrition Center:https://rncstore.com/dangerousUse Promo Code: DANGEROUS for a 10% Discount!------------------------------------- ▶Follow & Connect with Dr. Merritt:https://drleemerritt.com/ ▶Follow & Connect with Courtenay:https://linktr.ee/courtenayturner(Secure your copy of her book "The Final Betrayal: How Technocracy Destroys America", a #1 Amazon Best Seller, at https://www.technocracy.news/store/the-final-betrayal/ ) ©2026 All Rights Reserved Learn more about your ad choices. Visit megaphone.fm/adchoices

Dear Philippians | Philippians 1:9-11 | Dr. Jamie Merritt

A study by SEO tools company SE Ranking found that Google's AI Overview relied heavily on YouTube channels as “trusted medical sites” over traditional medical sites to pull information to answer user queries. Is this a cause for concern and should the company be more transparent on where its AI tools are pulling answers from? Robb shares his experience with Samsung's Dex since getting back from CES. Is it ready to replace his main laptop? Tesla says it will stop producing the Model S and Model X to free up factory space for its Optimus humanoid robots. Starring Sarah Lane, Tom Merritt, Robb Dunewood, Tasia Custode, Len Peralta, Roger Chang, Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

If you listen to the voices from the shadows, you will be lured back into the darkness of sin that God rescued you from.

In Bad Idea Island, Chaz and AJ talk about the million dollar giveaway that turned into a live MTV cringefest. (0:00)  If you were caught in traffic on the Merritt yesterday afternoon, AJ might have been the cause. Chaz and AJ went through the whole crazy event, from exploding metal, gas leaks, and all the concerned drivers making sure AJ was OK. (6:16) In Dumb Ass News, a plow driver went viral for purposely blocking cars with snow, and laughing about it. (13:12) WFSB's Scot Haney was on the phone with Chaz and AJ this morning to talk about his father, who died this week. Scot shared his plans to sing at the services, which Chaz and AJ didn't immediately think would be a good idea. (16:43) Larry Shea went viral for losing a bet, and is now roped into eating nothing but chili from Wendy's for an entire month. (27:58)

JP and BMitch react to Commanders running back Jacory Croskey-Merritt not being named an offensive rookie of the year finalist.

Hour 3 of BMitch & Finlay features an interview with Dianna Russini and the guys reacting to Bill Croskey-Merrit being snubbed of a ROY finalist nod.

Bandcamp announced on Reddit Tuesday that AI-generated music would not be allowed on their platform. Will other platforms like Spotify or Apple Music follow suit? And Apple has officially teamed up with Google to use Gemini to power Apple Intelligence. Plus Substack introduced a beta app for Apple TV and Google TV, letting subscribers watch creator videos and livestreams on a television. Is this a sign that Substack feels the future is video? Starring Sarah Lane, Tom Merritt, Robb Dunewood, Nica Montford, Len Peralta, Roger Chang Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

Decoding Resource Grabs, AI Data Centers, and Everyday Resistance Strategies Against Emerging Control Systems In this eye-opening episode of Dangerous Dames, hosts Courtenay Turner and Dr. Lee Merritt dive into the chilling implications of President Trump's territorial ambitions, from annexing Greenland to integrating Canada as the 51st state and intervening in Venezuela's cartels. Drawing on century-old technocracy blueprints, they explore how these moves could build a North American "technate" – a expert-driven union fueling AI infrastructure and digital control. Amid personal stories of winter adventures and artificial snow, the dames unpack Ukraine's $800 billion reconstruction as a technocratic testbed, the environmental hypocrisy of data centers like xAI's Colossus in Memphis, and the rise of social engineering through institutions, taxes, and tokenized economies. They emphasize practical resistance: protesting local data centers, insisting on cash payments, and opting out of coercive systems to preserve freedom. And, don't miss their speculative takes on psychopathy, spiritual warfare, and media programming in shows like The OA and Star Trek's Borg. Courtenay and Dr. Lee overlay today's live Davos headlines on the original Technate map and reveal the technocratic blueprint unfolding in real time. This isn't history — it's happening now.Too hot for YouTube — live at 5pm Central on Rumble.Replay & archives at ⁠https://thedangerousdames.com⁠ Support the show (code “dangerous” at affiliates) and subscribe — the map is being redrawn this week.Let's get dangerous. ▶Support our show by supporting your health & wealth!
 ▶The Medical Rebel Shop: Promo Code: DANGEROUS⁠https://www.themedicalrebelshop.com⁠ ▶Richardson Nutrition Center:⁠https://rncstore.com/dangerous⁠Use Promo Code: DANGEROUS for a 10% Discount!------------------------------------- ▶Follow & Connect with Dr. Merritt:⁠https://drleemerritt.com/⁠ ▶Follow & Connect with Courtenay:⁠https://linktr.ee/courtenayturner⁠(Secure your copy of her book "The Final Betrayal: How Technocracy Destroys America", a #1 Amazon Best Seller, at ⁠https://www.technocracy.news/store/the-final-betrayal/⁠ ) ©2026 All Rights Reserved Learn more about your ad choices. Visit megaphone.fm/adchoices

OpenAI releases ChatGPT Translate, its version of Google Translate. How does it compare and can it successfully compete against the search giant? Social news aggregation and discussion platform Digg has officially relaunched. What's it look like? Is an LLM's output protected by the US Constitution's first amendment? And are we witnessing a growth in independent media? Starring Sarah Lane, Tom Merritt, Robb Dunewood, Andrea Jones-Rooy, Len Peralta, Roger Chang, Joe. To read the show notes click here! Support the show on Patreon by becoming a supporter!

Aetech's Atron and Muli-Tron robots can sort waste for recycling at the industrial or local level making sorting recyclables more effective. Support the show on Patreon by becoming a supporter!

From 12/29 Hour 3: The Sports Junkies debate if Bill Croskey-Merritt can be a great running back.

JP Finlay and Mitch Tischler join you from Northwest Stadium with instant reaction to the Commanders' Week 17 loss to the Cowboys. The guys dive into Josh Johnson's performance at QB, Bill Croskey-Merritt's big game on the ground, Johnny Newton's best game as a pro and where Washington ultimately came up short against Dallas. JP and Mitch then share their picks for Game Balls and Goats before the episode ends with a recap of 100 chips. The episode ends with some Christmas spirit!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Looking for early waiver wire help in Week 16? Adam Aizer and Jamey Eisenberg break down the top fantasy football pickups to target before the rush. (1:00) Headliner (3:20) Quarterbacks (5:15) Running Backs (6:02) Wide Receivers (7:38) Tight Ends (9:32) DST, Kickers #FantasyFootball #NFL #FantasyFootballAdvice #Podcast Fantasy Football Today is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts Watch FFT on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.youtube.com/fantasyfootballtoday⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Shop our store: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shop.cbssports.com/fantasy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  SUBSCRIBE to FFT Dynasty on Apple: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dynasty/id1696679179⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW FFT Dynasty on Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/2aHlmMJw1m8FareKybdNfG?si=8487e2f9611b4438&nd=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE to FFT DFS on Apple: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dfs/id1579415837⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW FFT DFS on Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/5zU7pBvGK3KPhfb69Q1hNr?si=1c5030a3b1a64be2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow our FFT team on Twitter:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @FFToday⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @AdamAizer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @JameyEisenberg⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @daverichard⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @heathcummingssr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow the brand new FFT TikTok account: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@fftoday To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices