Podcasts about Montecito

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. 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 D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back 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 back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. 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. Good news. If you need to catch up on retirement, check out a program. M put off 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 you. 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 it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. 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.

Fresh reports suggest tensions are growing between Meghan Markle and Netflix, with insiders claiming the streamer has firmly blocked her from moving into a directing role on upcoming projects. Sources allege Meghan pushed aggressively for creative control, prompting what one insider described as a blunt refusal.The scrutiny continues as Archewell Productions faces criticism over new projects, including a romantic comedy adaptation and a documentary, both accused by commentators of blurring the line between storytelling and personal grievance. Meanwhile, the New York Post has named With Love, Meghan among the worst television shows of the year, branding it “bland nothingness.”Behind the scenes, communications chief Meredith Maines has exited after less than a year, becoming the latest in a long line of Sussex PR departures. Reports suggest the role will not be replaced, fueling further questions about instability inside the operation.Back in Britain, claims are circulating that Princess Anne is quietly working with Prince William and Queen Camilla to block any reconciliation with Meghan, while tensions at home are said to be rising after Prince Harry took a solo ski trip to Aspen.And finally, Meghan's lifestyle ambitions are now facing open satire, with a pilot-run parody brand in California finding global success selling tongue-in-cheek products inspired by life in Montecito.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

Tina Brown tells Katie Couric about a revealing lunch with Jane Goodall, including Harry's early vision for fatherhood and why royal officials expected him to leave the institution — but not for a celebrity life in Montecito.We also cover Prince Harry's surprise appearance at snow polo in Aspen, Meghan's reaction from home, and the possibility of the Invictus Games returning to California in two thousand twenty nine.Plus, claims that Meghan and Harry viewed Kris Jenner's birthday party as a key Hollywood networking opportunity, allegations Meghan sought more prestigious royal accommodation in the UK, and commentary questioning how differently things might have unfolded with her wider family.After the break, we look at Meghan's evolving watch collection — from a Timex to Princess Diana's Cartier — and compare it with Prince William's far more modest Omega Seamaster, a deeply personal gift from his mother.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

In this episode, Kate breaks down Meghan Markle's new Netflix holiday special With Love, Meghan: Holiday Celebration with veteran TV producer and Fixing Famous People host Chris DeRosa. Together they unpack the highly curated Montecito setting, the wreath-making and hosting “how-to” segments, Meghan's viral red-pajama moment, and why the special has become such a lightning rod for both fans and critics. Chris offers an insider producer's perspective on what worked, what felt off, and how he would have shaped the project for more authenticity and impact. Whether you loved it or were left puzzled, this conversation reframes Meghan's latest move in the streaming world. Reality Life with Kate Casey What to Watch List: https://katecasey.substack.com Patreon: http://www.patreon.com/katecasey Twitter: https://twitter.com/katecasey Instagram: http://www.instagram.com/katecaseyca Tik Tok: https://www.tiktok.com/@itskatecasey?lang=en Facebook Group: https://www.facebook.com/groups/113157919338245 Amazon List: https://www.amazon.com/shop/katecasey Like it to Know It: https://www.shopltk.com/explore/katecaseySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Still more holiday heat for Meghan Markle as LA boutique Kitson names her a “villain of the year” in its annual “holiday hypocrisy” window — complete with a “Montecito diva” Santa hat. Reviewers continue to dismantle her Netflix Christmas special, with The Times calling it a masterclass in one-upmanship and The Royalist suggesting Netflix is quietly signaling it's “done” with the Duchess. The show's rare 0 percent Rotten Tomatoes score isn't helping. Elsewhere, Princess Beatrice's daughter Athena prepares for a christening that could bring an awkward reunion with Andrew and Sarah Ferguson, while Jack Osbourne reveals that royal naming rules prevented “Prince of Darkness” from appearing on Ozzy's death certificate.If you'd like, IHear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

Critics absolutely torch With Love, Meghan: Holiday Celebration, mocking broccoli wreaths, therapy-speak crackers and brunch guests in matching red PJs as reviewers label the show joyless, fake and unintentionally hilarious. The Free Press dubs Meghan the “Slop Princess,” while U.S. commentators say the Sussex brand is sliding fast: Harry's Trump joke draws boos, their star power is “waning,” and Meghan's eye is drifting toward Kardashians-style beauty deals. Now add in As Ever's twelve-dollar chocolate bars with bee pollen and “weeds” that social media calls “insane” and “gross,” and you've got the full Montecito package: high price, high gloss, and a reputation that's starting to melt.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

Before Jamie Haller launched her namesake shoe and apparel brand, she worked behind the scenes in the fashion industry in corporate retail. In the 2000s, she designed pieces for big brands of the era like Wet Seal, Guess, and Bebe. After learning the ins and outs of fashion production at a macro level, Haller left the corporate world to work for smaller brands where she had more creative control over her work, allowing her to hone her style as a designer. During the pandemic, she wanted to venture outside of what she knew and landed in a different realm of design: home renovation. Her eye for fashion translated well in the world of interiors, allowing her to gain clients quickly and make a name for herself in the space. Haller's love for trying new things also led her to a new category of fashion she hadn't yet conquered: shoes. In 2020, she launched her namesake shoe line and released her now-famous penny loafer style that has become an everyday staple for countless fashion insiders. She later returned to her roots when she expanded into apparel with a line she created with women like her in mind. Today, she's brought the many skills and talents she's acquired over the years together with her first storefront in Montecito, California, where you can shop her brand in an intimate space she designed herself.

Meghan Markle's outreach to her father turned into a weekend of whiplash after her team first dismissed reports as “a complete fabrication,” then later confirmed she had contacted Thomas Markle following news of his emergency surgery. Samantha Markle weighed in from the sidelines, urging the Sussexes to step up with real support, while a Parade profile reminded the world the couple's estimated worth sits around $60 million.Meanwhile, the Princess of Wales delivered the holiday moment of the season with her fifth annual Together at Christmas carol service at Westminster Abbey. Catherine greeted performers including Kate Winslet and Eugene Levy, welcomed William and the children in coordinating navy and black, and presided over an evening celebrating kindness and community.Deep Crown explains why Charles' absence wasn't a snub but a strategic choice to let Catherine's signature event shine, even as Princesses Beatrice and Eugenie sent supportive words from afar. With musical performances, young talent from Future Talent charity, and hot chocolate waiting at the Abbey doors, the night belonged to the Wales family — a calm, candlelit contrast to Montecito's headline swirl.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

A wild Friday in Royal World: Meghan Markle's estranged father is in intensive care after a life-saving leg amputation, with doctors calling the next few days “critical.” Family members are begging the Duchess for compassion — but the silence from Montecito is deafening. Royal insiders say the optics are disastrous, especially as Meghan promotes new floral-wrapped chocolate bars and Harry cracks jokes about President Trump on Colbert. We break down the Markle family emergency, the PR blowback, and the latest chaos as the Sussexes close out a brutally rough week.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

They might look like ordinary women as they Instacart from Bristol Farms or strengthen their core at morning pilates. You might be standing behind them in line at Starbucks as they order their half-cream, half-caff, no whip, no foam, triple-pump chai latte with oat milk. They seem to be everywhere once you know how to recognize them. They're the target demographic for Audible's Bestsellers list. They account for the bulk of spending on sites like Amazon and Skims. Ever wonder how it is that Goop still stays in business? They live in the Hamptons, Brentwood, or Malibu. They're married to talk show hosts like Jimmy Kimmel. Or they're married to themselves. They're having Thanksgiving in a gated community in Montecito. They're cloning duplicates who parrot the talking points of the coven like abortion is healthcare and no human is illegal, and trans women are women. They've taught them to be strident, demanding, and intolerant with standards too high for any man, job, or country to meet. Their world before was idyllic - a utopia that kept them at the top because they ordered this new world in such a way that nothing and no one threatened their power. The future is female. It's time for women to rule. White Dudes for Harris. They call it the Great Feminization, but really, it's a coven of witches.Just before Charlie Kirk's assassination, Jezebel and Etsy cast a dark spell on Charlie. Why? Because they couldn't shut him up. In their world, they decide what people can and can't say, think, buy, or do. They've taken down the “story,” but it still exists on the Wayback Machine:These days, witches cater to more than just personal grudges. And it's not uncommon for them to channel their energy toward thwarting Republicans (there's even a subreddit devoted to casting nightly hexes on Trump). Are you interested in punishing Kirk for the years of regressive rhetoric he's shouted at America's youth and anyone within earshot? Here at Jezebel, we're about to find out if there's a spell for that.And:After placing my first spell, “MAKE EVERYONE HATE HIM,” I was left with more questions than answers. How long would it take to kick in? Should I have splurged for a pricier spell to make it work faster? Shortly after, the witch messaged me trying to upsell me a $50 “spell booster.” When I asked what it did, she explained it would “amplify the energetic support” of the main spell, or else I could let it unfold “in its natural timing.” I decided to trust the witch's will.And her closing paragraph:Sunday, August 24, passed. Nothing. Monday, still nothing. Tuesday rolled around, and I began to wonder if I'd been scammed. But then I reminded myself: this is witchcraft, not Amazon. The forces operate on their own schedule.Megyn Kelly reported exclusively on how this affected Erika Kirk after Charlie was assassinated, leaving behind two small children and a widespread movement that touched millions:What bothers them so much about Erika Kirk, other than that she is brave, kind, beautiful, and true, is what I once believed about the Christian Right. I'd never be able to live like that, I always thought. Then I saw what happened to the Left, to all of us, without religion. Now, we are a movement that believes it's okay to sterilize children and mutilate their bodies without their consent. We treat abortion like it's an act of empowerment.Erika Kirk put her faith in God and in her husband. These are mortal sins to the Wicked Witches of the Left. Thou shalt have no God before ourselves. We are the power because we are empowered. But unfortunately, it has resulted in a movement ruled by and defined by evil and hatred. Jennifer Welch, a prominent Wicked Witch of the Left who podcasts alongside a Renfield-like puppet whose name no one knows but who nods along numbly as Welch spits out her invective - “I call him Canks,” she says about Trump after her “Cankles McTaco Tits” went viral. These are the same people who pearl clutch over Trump calling a reporter “Piggy.” Bill Madden and Marco Foster are two of the feminized men dominated by the witches. They do nothing but post the ugliest things all day long on social media. They have found their perfect voice now in Jennifer Welch.Here is Walter Kirn and Matt Taibbi on Jennifer Welch:After Charlie Kirk was assassinated, the witches and their compliant male counterparts decided it was more than justified to celebrate his death, to splash around in his blood like the Manson family after they hit the home of Sharon Tate. It didn't matter to them even a little bit, just as the near-assassination of Trump didn't matter. Even death didn't satiate the beast. Charlie's brutal assassination wasn't enough. They wanted — NEEDED — more. And so the witches convened once again, with Joy Reid, Jennifer Welch, and her sidekick, whose name no one will ever know or remember, to word-vomit about their perceived enemies. Megyn Kelly was having none of it:Even the Real Clear Politics gang had words (full video here):And here is Erika's response, the one Tom Bevan references:If the spell on Charlie Kirk was to “make everyone hate him,” then it failed. If it was to shut him up, it also failed. His message will carry on. He is more beloved today than he ever was in life. It turns out that love is harder to kill than even people. Love lives on in the hearts of all of us. It spreads. It unites us. It redeems us. Love was what hundreds of thousands expressed in the wake of Charlie's death and even now. Charlie's memory lives on in clips of his tiny daughter running into his arms. In how he told the story of meeting Erika:And how he explained Newton's laws to his baby.Or money matters:They believe those who do not agree with them must be gotten rid of, and nothing else will satisfy. They will use emotional blackmail, uniform caterwauling, non-stop whining and complaining, and all of the other ways women have learned over the millennia to drive society to the brink of madness, and none of it will work.Unfortunately for the Wicked Witches of the Left, their power is about as useful as their policies and their candidates. Limp, dull, flaccid.Women like I used to be and witches like they are tend to our needs and our fragility. For years, we treated ourselves to therapy, yoga, meditation, Oprah, de-aging, antidepressants, and keto.Eventually, when we fixed ourselves and attempted to raise our perfect children, we overprotected them. In the wake of Columbine and 911, everywhere we looked, we saw danger. We thought every man was a potential child molester. We worried about school shootings, we worried about microplastics and pollution. We thought we could protect our kids to raise them with high self-esteem, but we forgot about strength and resiliency.We abandoned that in ourselves, and we never taught it to our children.What I've learned coming out of this era is that you can't control the world. Even if, as women, as mothers, as wives, as business owners, we'd like to have complete control over everything because we believe we could create a perfect world, I eventually realized you can't. It's not possible. Trump came along because we needed to be reminded of what it is to survive things, events, tragedies, wars, and words. The answer is not to control everything and everyone. The answer is to be strong and just to survive.And that's why these women are now witches, huddled over their cauldron, chanting out that their spells will never succeed and never hold power. Because they can't survive. If they can't survive words, and they can't survive Trump, and they can't survive open debate and Charlie Kirk, then they most certainly can't be in charge of this country. All anyone had to do was listen to Charlie and hear what he had to say. If you disagreed, debate him. Yet, you can hear in their messaging who they thought he was, and this was the worst they could say about him, from Jezebel:A cornerstone of Kirk's nightmare ideology is his insistence that, since gaining more independence, Western women are more miserable than ever. He tells auditoriums full of young women that our freedom is a flaw, not an achievement. He's obsessed with declining birth rates and idealizes the 1950s, when women's only “job” was tending to children and husbands. If we all abandoned our careers and returned to motherhood, we'd be happier, according to Kirk. Indeed, he fails to realize that I would be happiest if he would just shut up.She could not offer up a stronger argument to the contrary because look at her. She is proof that he was right. She's miserable. Jennifer Welch is miserable. All of the witches are miserable. I was miserable too. I know what it is to live the feminist lie, and I know what it is to look back at my life with regret. How can they sell that to young women? The Jezebel writer consoled herself with a petition that was launched on the Utah campus that would become the site of Charlie's murder. The petition was launched on Friday, August 22, and had already been signed over 3,800 times. Could this be the “MAKE EVERYONE HATE HIM” at work?”But the petition grew to 6,829, all of them in agreement that the university should prevent Charlie from speaking:Sign this petition to send a clear message that we stand united for a university that upholds the tenets of inclusivity, respect, and enlightenment. Let us work together to ensure that Utah State University remains a campus where all students feel safe, valued, and respected.Yeah, shutting him up by any means necessary sure sounds like “inclusivity, respect, and enlightenment” to me. Sounds more like the very definition of fascism, “conform or else.”These wicked witches and so much of the Left's once-mighty empire invented a version of Charlie Kirk that never existed and transformed him into a monster of their own making. They wanted to send a message to anyone who might think about disagreeing with them, on a college campus, no less. What are they teaching these kids? Not free speech or open debate.They invent monsters, chase those monsters, and then act shocked when loser nobodies pick up a gun and become their heroes. No, they aren't shocked. They are grateful. They should heed the wise words of Friedrich Nietzsche:Welcome to the abyss, Wicked Witches of the Left.//Tip JarMusic… This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.sashastone.com/subscribe

This week, three royal stories converge in America. Andrew's ties to Epstein reach Congress, King Charles is reportedly planning a high-profile state visit, and Prince Harry is already there - recasting his role from Montecito. President Trump has signed the Epstein Files Transparency Act, but has the monarchy's handling of Andrew emboldened American lawmakers? And is the British royal family still America's favourite foreign soap opera? Roya Nikkhah is joined by Mark Landler of The New York Times, and Chiara Brown of The Times.Presenter: Roya Nikkhah, royal editor for the Sunday TimesContributors: Mark Landler, London bureau chief of The New York Times; Chiara Brown, commissioning editor at The Times Luxx.Producer: Robert WallaceEditor: Stephen TitheringtonPhoto: Getty Images Hosted on Acast. See acast.com/privacy for more information.

Meghan declares Thanksgiving in Montecito “low-key,” which apparently means harvesting sage in poetic slow-motion while launching a $32 Sage Honey from her backyard bees. A glossy As Ever video shows her glazing a turkey in a $297 satin gown paired with nearly a quarter-million dollars in jewellery — prompting the internet to ask why anyone would cook in couture. Critics also pounced on her muted “manila envelope” holiday palette, accusing her of recycling the same beige aesthetic she once blamed on royal protocol.Meanwhile, PR experts say her recent influencer-style reels expose a growing authenticity problem, with Tom Sykes calling out her “staged November 16 Christmas decorating” and comparing the misstep to the infamous upside-down jam tongs.Grant Harrold says the Sussexes are now “eating humble pie,” Harry is reportedly desperate to go home for Christmas, and insiders claim he's homesick, lonely, and waiting for the King's green light. Expect Meghan to go “offline” for her peaceful Montecito feast — and let's see of we get a photo of Harry looking miserable watching the Cowboys.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

California native Sue Firestone reflects on five decades of creativity, resilience, and reinvention—from Malibu's fires to Montecito's rebirth, from model homes to hospitality design, and from Disney resorts to her namesake product lines.  SFA Design founder Sue Firestone to explore how her lifelong relationship with nature, her passion for authenticity, and her intuitive approach to design continue to shape California's aesthetic identity. From building one of the largest model home merchandising firms in the country to collaborating with Disney and launching her own collections, Firestone shares how creative intuition, empathy, and mentorship have guided her through the shifting tides of design and business. Designer Resources Pacific Sales Kitchen and Home. Where excellence meets expertise. Design Hardware - A stunning and vast collection of jewelry for the home! TimberTech - Real wood beauty without the upkeep The Convo By Design Icon Registry is presented by Pacific Sales Kitchen and Home, a Best Buy company. Pacific Sales is comprised of long time professionals who love design and architecture as much as you do. Which is why it is so fitting that they present this recognition of some of the worlds greatest design talent every month here on Convo By Design. You are going to hear all about hit, right after this. Show Topics: Origins of a Designer: Growing up in Malibu, studying pottery, and finding her way into interior design. California's Resilient Spirit: Reflections on natural disasters, community recovery, and the role of design in rebuilding. Design as a Learned Craft: Why intuition helps, but practice, empathy, and listening are key to mastering the art. From Model Homes to Hospitality: Building a design empire through flexibility, storytelling, and collaboration. Inside the Disney Experience: Working under Michael Eisner, defining narrative-driven environments, and lessons in leadership. Letting Go of Control: How to scale creativity—mentoring, trusting teams, and avoiding micromanagement. The California Look: Organic, sustainable, and casual-luxury living as an enduring influence. Product Design & Legacy: Transitioning from client work to her own branded lines with Kravet and A. Rudin. Business of Design: How retail and social media shifted client behavior—and why great design still requires professionals. The Next Generation: Why designers must remain storytellers, environmentalists, and lifelong learners. This wraps up another episode of the Convo By Design Icon Registry. A celebration and recognition of a true master in the art of design and the mastery of all that encompasses in the pursuit of making better the lives of those they serve. And, giving back along the way. Thank you, Sue.. Thanks for listening to Convo By Design. Thank you to my partner sponsors, Pacific Sales Kitchen and Home for presenting the Convo By Design Icon Registry and Convo By Design partner sponsors, TimberTech and Design Hardware. And thank you for taking the time to listen. I couldn't do this without you, wouldn't want to. I hope this show helps you stay motivated, inspired and focused so you can rise above the chaos. -CXD

From Buckingham Palace to the ballroom — Prince William sends sparkly wishes to Robert Irwin on Dancing with the Stars, proving even heirs to the throne love a little glitter. Queen Camilla hosts Sex and the City's Sarah Jessica Parker for the Booker Prize bash, then surprises everyone by soundtracking it with a Taylor Swift song. Sophie Winkleman calls royal life “total hell,” Meghan Markle's Montecito pop-up gets accused of selling unlicensed wine (spoiler: it was water), and Swift herself is reportedly plotting a lifestyle brand to outshine Meghan's As Ever.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

ain predictions? Turns out… not so predictable. Officials say the worst of the storm is expected Saturday, with Pacific Palisades under evacuation warnings. Rebuilding there will be tough with the Coastal Commission involved. A reminder of how dangerous these events can be — the 2018 Montecito mudslide killed 21 people and left others missing. In California, the only way we know the seasons change is by the decor in the stores. But rain does bring out a fun, electric vibe. Quick Dams are a solid option to protect your home. Orange County felt the impact, and there’s a rain advisory because bacteria levels rise in our oceans. Buena Park dealt with slick roads, and the Cajon Pass saw dangerous conditions. Meanwhile, T-Dawg is off to Vegas for F-1. Ray Romano dropped by to explain how Everybody Loves Raymond got its name. And don’t forget — November 21st, the show broadcasts live at Smart & Final in Yorba Linda to kick off PastaThon, with the main charity event coming December 2nd. Dinner talk? Don Cuco’s — fajitas for two, legendary salsa, and fueling your body right. And back in the OC, the storm caused accidents, including an overturned truck in Fullerton.See omnystudio.com/listener for privacy information.

On Remembrance Day, the King, William and Kate lead solemn tributes at the Cenotaph and the National Memorial Arboretum while social media lights up over Harry and Meghan arriving at Kris Jenner's Bond themed bash. Harry turns up in a tux with a poppy on his lapel, Meghan skips the poppy and gets roasted for it, then Harry pops up in a video message to veterans from Montecito. Commentators say the Sussexes are perfecting a half in, half out royal routine as Kate fronts the official ceremonies and fan favourite Lieutenant Colonel Jonny "Major Eye Candy" Thompson quietly steals the show in uniform.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

Prince Harry fuels talk of a UK comeback after calling America his “current” home, just as Hollywood insiders say the Sussex act has gone stale. Netflix is backing away, Meghan's $42 jam is being roasted as “overpriced,” and even palace aides hint William could one day strip Harry's title. But amid the chaos, Oprah Winfrey comes to the rescue, featuring Meghan's marmalade on her Favorite Things list and reminding Montecito she still picks her neighbors carefully.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

Filip kör mot Montecito, medan Fredrik sympatikör Djurgården runt runt i 11-minutersloopar.

It's “Save the Date” day for Meghan Markle — but what exactly are we saving it for? The Duchess of Sussex dropped a sleek new As Ever teaser, sparking buzz about another lifestyle launch, while Nobody Wants This slipped in a cheeky joke about her and Harry's royal romance. Meanwhile, reports claim Harry's urging Meghan to slow down amid fears of burnout — and, in a twist that feels all too familiar, she's just lost her tenth publicist. From orchards to Hollywood punchlines, it's another eventful day in Montecito.Check out "Palace Intrigue Presents: King WIlliam" here.

Jamie Kern Lima, once a waitress at Denny's, is the founder of IT Cosmetics. Jamie created IT Cosmetics in 2008, which she then sold to L'Oréal in 2016 for over $1 billion, becoming the first CEO of a company under the L'Oréal label.Over a plant-based meal at Oliver's in Montecito, California, Jamie discusses her journey in founding her company, selling to L'Oréal, and figuring out what's next.Follow To Dine For:Official Website: ToDineForTV.comFacebook: Facebook.com/ToDineForTVInstagram: @ToDineForTVTwitter: @KateSullivanTVEmail: ToDineForTV@gmail.com Thank You to our Sponsors!Coca-ColaAmerican National InsuranceWairau River WinesFollow Our Guest:Official Site: JamieKernLima.comFacebook: Jamie Kern LimaInstagram: @JamieKernLimaLinkedIn: Jamie Kern Lima Hosted on Acast. See acast.com/privacy for more information.

Send us a textThis week on Here's What We Know, join us for a deeply moving episode with Kim Cantin, speaker and author of Where the Yellow Flowers Bloom, to share her powerful journey through unimaginable loss and the unbreakable strength of love. After surviving the 2018 Montecito mudslide that claimed her husband and son, Kim opens up about grief, healing, and the small miracles that helped her rebuild her life.You'll hear how Kim's daughter Lauren survived six hours buried under twenty feet of mud, how community became her lifeline, and why true healing happens on your own timeline. Her story is one of heartbreak and hope, a reminder that even in the darkest seasons, compassion and connection can bring us back to life.In This Episode:Surviving the unthinkable and finding purpose beyond painThe incredible story of Lauren's survivalLessons in grief, love, and letting others helpRebuilding with grace and gratitudeThe healing power of writing and communityBook: Where Yellow Flowers BloomThis episode is sponsored by:Mike Counsil Plumbing & Rooter (Use code “Gary” to get $89 off any service!)License #: 679261Bio:Kim Cantin is a powerful symbol of resilience, having survived the devastating Montecito mudslides of 2018 that claimed 23 lives, including her husband and son, and left her daughter buried alive. Through unimaginable loss, Kim has fought to rebuild her life, driven by a fierce commitment to hope. She courageously shares her experience and new-found wisdom through her first book, Where Yellow Flowers Bloom.Website: https://kimcantin.com/Instagram: https://www.instagram.com/kimcantinauthor/LinkedIn: https://www.linkedin.com/in/kimcantin/Connect with Gary: Gary's Website Follow Gary on Instagram Gary's Tiktok Gary's Facebook Watch the episodes on YouTube Advertise on the Podcast Thank you for listening. Let us know what you think about this episode. Leave us a review!

Discover why Santa Barbara occupies a unique sweet spot on the California coast – not quite LA, not quite San Francisco, with a climate and character all its own. Johnny Mac explores the city in daylight, starting with exceptional donuts at Tyler's in Carpinteria, then hitting the south-facing beaches that make Santa Barbara special. Learn the secret to parking on Stearns Wharf (yes, you can drive onto the pier!), find out why there's more parking than you think, and explore the understated wealth of Montecito. Perfect for travelers seeking California's most livable coastal city.

Today on The Scott Jennings Show—LIVE from Montecito, California! We’ll dive into the Virginia Attorney General race with Jason Miyares, discuss shocking polling on the Democrat party, and unpack heated legal battles over National Guard deployments. Plus, an exclusive interview with Phillip Morris CEO Stacey Kennedy on tobacco harm reduction.Keep up with the Trump Administration when you subscribe to The Trump Report. This email brings you daily highlights from the Oval Office, right to your inbox, 5 days a week. Subscribe today at http://salempodcastnetwork.com/trumpSee omnystudio.com/listener for privacy information.

Magic FM invites Meghan to guest-host after she praises the station on Netflix; Harry and Meghan will be honored in NYC at Project Healthy Minds; new Montecito snaps with the dogs and that As Ever crest; Harry recalls Disneyland with Diana; updates on Meghan's cooking show and “fizzle” critiques; Norway's Crown Prince weighs in on Märtha Louise; plus a reality-TV PR box dust-up.

Private investigator Steve Fischer has uncovered new details in the case of Celeste Rivas, whose body was found in singer D4vd's Tesla. Selena Gomez and Benny Blanco are preparing for a lavish wedding in Montecito. Armie Hammer was spotted at a farmer's market with a mystery woman. Plus, Sydney Sweeney and Scooter Braun were seen on their first public dinner date. Hosts: Charlie Cotton & Deven Rall Learn more about your ad choices. Visit podcastchoices.com/adchoices

In today's episode of The Life of a Bon Vivant podcast, Beeta shares her thoughts on Meghan Markle's Netflix show, a lifestyle series set in a stunning Montecito home that blends cooking, crafts, and entertaining. While the show has received mixed reviews, Beeta reflects on why she personally enjoys it, and why she thinks criticism of the show is missing a really impactful element of the program.Join the Everyday France waitlist: https://everydayfrance.com/

Harry and Meghan make a surprise appearance in a new Disneyland documentary, sharing joyful family memories with Archie and Lilibet. Back in Montecito, a neighbour describes the Sussexes as “splendid” but standoffish. Meghan's former best friend Jessica Mulroney is reportedly preparing a tell-all memoir, while Paul Burrell claims Harry once sent the Queen a secret phone to bypass courtiers. Fresh details emerge about the Queen's final days and her Jubilee determination.Meanwhile, commentators compare Harry's recent UK trip to David Brent hanging around the office, and Valentine Low contrasts Kate's caution with Camilla's warmth.

Donald Trump lauded King Charles as a “great King” and praised William as a “remarkable son” while calling Kate “radiant and healthy” during his unprecedented second state visit. Kate and Melania teamed up at Frogmore Gardens with the Scouts' Squirrels programme, handing out honey-themed picnic lunches and building bug hotels with children. Insiders called the visit an “awesome spectacle,” while Lieutenant Colonel Johnny Thompson, aka “Major Eye Candy,” stole attention on duty. Trump's private carriage ride drew criticism as a “fairground ride,” the banquet sparked dueling headlines in the British press, and Meghan Markle's perfectly timed garden post in Montecito raised eyebrows.

We're back with SO much pop culture to catch up on after Tess has been gone for two weeks, and we cover it all: Taylor as the new Bachelorette (we have fears but we are excited) Hilary Duff announcing her return to music with a documentary, Emrata + Austin Butler, Jacob Elordi's love life, Zoe Kravitz's roster, and MORE! Tangents include: Dakota Johnson's acting, Kris Jenner's facelift, and manifesting martinis with Meghan Markle in Montecito. HEAR OUR PRAYERS, MEGHAN. Created and produced by Claire Donald and Tess Bellomo We have a pop culture episode out every Friday and history episodes out Monday! Follow us for RAM updates and news here If you want more, we have three bonus eps a month for $7.99! Sign up here! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Victoria Beckham's cheeky “David Beckjam” video has royal watchers wondering if it was a subtle dig at Meghan Markle's As Ever fruit spreads. Meanwhile, Kate Middleton's suddenly blonder, fuller locks have sparked wig and extension theories across the press.Prince Harry is being called “Old Harry” as he looks more relaxed without Meghan at his side, Deep Crown says the royal silence could mean serious talks, and insiders claim King Charles still doesn't trust his son.Over in Montecito, the Netflix-famous mansion from Harry & Meghan still can't find a buyer, and Spinal Tap II gears up for release with cameos from Elton John and Paul McCartney—plus a tongue-in-cheek plea for knighthood from The King.

Kim Cantin is a powerful symbol of resilience, having survived the devastating Montecito mudslides of 2018 that claimed 23 lives, including her husband and son, and left her daughter buried alive. Through unimaginable loss, Kim has fought to rebuild her life, driven by a fierce commitment to hope. She courageously shares her experience and new-found wisdom through her first book, Where Yellow Flowers Bloom. It is an honor to have her as part of our ongoing "Strong Women Series" on this very special edition of the Rick Flynn Presents worldwide podcast. Buy her book wherever books are sold or ordered.Contact Kim at: www.KimCantin.com

Actor Peter Porte joined me in The Locher Room for a candid and wide-ranging conversation you will not want to miss. We covered everything from his latest role as Deacon Granville in the audio drama Montecito to the importance of authentic representation on screen and in storytelling. Peter spoke openly about his own coming out journey, sharing how his personal experiences have shaped the roles he chooses and the stories he wants to tell.We also explored his love of horror movies and the genre's lasting appeal, as well as memorable chapters from his daytime career. Peter looked back on his time as Ricky Williams on The Young and the Restless, recalling what it was like to work with Michelle Stafford and Doug Davidson, and his run as Dimitri von Leuschner on Days of Our Lives, where he shared the screen with Greg Rikaart and Emily O'Brien—including his long-standing off-screen friendship with Greg.It's a fun, thoughtful, and personal conversation that offers fans a deeper look at Peter's career, his passions, and the stories that matter most to him.

Jordan and Max are back to answer audience questions, and it's all new L.A. restaurants on the horizon, monk milk, Bub & Grandma's pizza, wines by the glass, Montecito dinners, Disfrutar vs. Somni, how to gain 100 pounds, LA Times vs. NY Times food coverage, the bottled & filtered water thing, a new rating system, all sorts of shrimp cocktail talk, the schelp meter, Max working for Michelin full-time, bagels, Jordan's new coffee dilemma, orange wine, Post Ranch Inn pricing, Paso Robles, Bavel no longer respects the neck, and rest in peace Dan Tana.

Merriam-Webster's Word of the Day for August 30, 2025 is: protocol • PROH-tuh-kawl • noun Protocol most often refers to a system of rules explaining the correct conduct and procedures to be followed in a formal situation; in computer programming a protocol is a set of rules used in formatting data. Protocol can also refer to a plan for a scientific experiment or medical treatment, or to a document that describes the details of a diplomatic treaty. // What is the proper protocol for declining a job offer? // My doctor recommended a simplified treatment protocol for my condition. See the entry > Examples: "Back in the UK, it's still unclear what kind of royal life, if any, lies ahead for Archie and Lilibet. While they hold their princely and princess titles, bestowed upon them following the death of Queen Elizabeth II, their day-to-day lives in Montecito are a world away from palace protocol." — Faye James, Hello Magazine, 15 July 2025 Did you know? In Late Greek, the word prōtokollon referred to the first sheet of a papyrus roll bearing the date of its manufacture. In some instances, it consisted of a flyleaf that was glued to the outside of a manuscript's case and provided a description of its contents. Coming from the Greek prefix prōt- ("first") and the verb kollan ("to glue together"), prōtokollon gave us our word protocol. In its earliest uses in the 15th century, the word referred to a record of a document or transaction. By the turn of the 18th century it was being used for the original record or minutes of a diplomatic negotiation, and still later for the etiquette observed by heads of state in ceremonies and relations with other dignitaries. This sense has since extended in meaning to cover any code of proper conduct.

I'm not a big stock guy. However, there are some companies out there that you know are just going to change the world, and it would be nice to be able to own part of them—especially before they go public. That's why this week on Wealth Formula Podcast we're diving into a topic that's been on my mind for quite some time: the world of pre-IPO investing. If you've ever felt like by the time a company finally hits the public market it's already ballooned in value and you're basically buying in at a premium, you're not alone. I personally had my eye on a company called Circle, which deals in stablecoins. As I've talked about on the show before, I think it's going to be huge globally. But as soon as Circle went public, the valuation shot up to a point where I felt like it was way too expensive to jump in. If I had access to those shares before the IPO, I would have definitely taken the plunge. Now, this isn't just about one company. We've seen this story play out with others, and right now there are some major game-changers like SpaceX on the horizon. SpaceX, one of Elon Musk's ventures, is one of those companies you just know is going to have a massive impact. But how do you get access to those deals? If you're an accredited investor, I have good news. Getting a piece of the action before these companies go public isn't just for the ultra-wealthy insiders anymore. It's becoming more accessible to accredited investors who want to get in earlier and potentially see greater upside. That's the topic of this week's Wealth Formula Podcast.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.  If you are purely investing in the public markets, in many cases, you've missed the majority of a company's growth cycle. Welcome everybody. This is Buck Joffrey Wealth Formula Podcast, coming to you from Montecito, California today. Before we begin, as I always do, I will suggest you visit walt formula.com, which is the, um. Primary Home of Wealth Formula podcast, and it's also where you can get some resources outside of the podcast, including access to our accredited investor club, otherwise known as investor Club. Uh, that is where you can get, if, if you aren't an accredited investor, you can get access to opportunities that you would not otherwise see because they are not available to the general public. Um, speaking of. That kind of investment that's not typically, uh, available to the general public. Uh, that takes us sort of to the topic of today's show. That is, um, well, you see, I'm not a big stock guy, as you probably know, if you've listened to this show before, I'm not, you know, listen, I'm not anti stock. It's just not, you know. Generally what I've invested in my life. However, there are some companies out there that you just know are going to change the world, and because of that, it'd be nice to potentially be able to own part of them, you know, especially if they, if before they go public. That's why this week on Wealth Formula Podcast, we're gonna dive into a topic that's sort of been on my mind for some time. The world of what's called pre IPO investing. Basically investing before a stock goes public. Now, if you've ever felt like by the time a company finally hits the public market, it's already ballooned in value and you're basically buying at a premium, you're not alone. Again, this is not something I do often, but I had, um, as you know from my previous shows, I believe heavily that this whole world of stable coins is going to be enormous. And I had my eye on a company called Circle and then trades with CR Cl, uh, which deals in stable coins, uh, which is a, a really big player in stable coins. I think this is gonna be huge. Uh, but as soon as Circle went public, the valuation shot up, like just took off where it was kind of ridiculous and.

Kim Cantin endured one of the most devastating natural disasters in recent U.S. history, the 2018 Montecito mudslides. That tragedy claimed the lives of 23 people, including her beloved husband and son, and left her daughter miraculously rescued after being buried alive. Out of that unimaginable loss, Kim emerged with an unwavering commitment not just to survive—but to heal, to love, and to inspire. She joins Irene Weinberg to share how this life-altering tragedy taught her what it means to accept help, lean into vulnerability, and cherish the love that never dies, which she discusses in her award-winning book “Where Yellow Flowers Bloom.”WATCH ON YOUTUBE: Rediscovering Hope After a TragedyIN THIS EPISODE, YOU'LL HEAR ABOUT THINGS LIKE:How Kim first learned that her husband and son had not survived.The significance of a Japanese Kintsugi Pig that became a profound symbol of healing and resilience for Kim.The deeper meaning behind the yellow flowers that remind us that love is eternal.How mediumship and therapy helped Kim to release trauma and the wisdom of profound grief she has gained.The remarkable gifts that emerged for Kim through the process of healing.SOME QUESTIONS IRENE ASKS KIM:Your daughter was buried alive, how did she miraculously survive and earn the name “the miracle mud princess?”What was the powerful message your son Jack gave you through a medium at the beginning of the 3-year search for him?What types of therapies did you explore to release the trauma stored in your body?In what ways has your life become richer in the depth of your soul?---✨ Grief & Rebirth: Healing Resources & Tools ✨

Did Mariah Carey just shade Meghan Markle? Fans think so after the pop diva praised Sarah Ferguson—but not Meghan—when asked about royal ties. Plus: new doubts about the Sussexes' Netflix deal, harsh critiques of With Love, MeghanSeason 2, and Bethenny Frankel says the couple “rushed into too many projects.” We also break down the latest brand woes, from Harry's polo flop to Charles undercutting Meghan with his own jam. And yes—King Charles' Sandringham estate now runs on solar power. Take that, Montecito.The Palace Intrigue Social Hub is Live! Join the conversation with fellow fans, share your thoughts and royal stories, and dive deeper into the drama behind the crown. Get full episodes, exclusive sneak peeks, behind-the-scenes videos, and more. Don't miss a moment—find us on Facebook and Instagram or click the links to start your royal journey!

Coming next on Grief and Rebirth... In 2018, Kim Canton lost her husband and son in the Montecito mudslide. Her daughter Lauren was buried alive and miraculously rescued. In this powerful interview, Kim shares her journey through unimaginable grief, the light she found in the darkness, and the strength it took to rebuild her life with purpose. A true story of love, loss, and resilience.---✨ Grief & Rebirth: Healing Resources & Tools ✨

A PROUDLY FORMULAIC IMMIGRANT WRITER Jorge Molina shares growing up gay in Cuernavaca, Mexico and dreaming of Hollywood from afar, skipping the traditional assistant path after USC due to visa constraints, building a career curating shorts at top queer and Latino film festivals and demystifying the submission process for filmmakers, and channeling his whodunit obsession into the Gina Torres-led audio drama A Murder in Montecito! Instagram - @lalistapodcast Music: Arriba Mami - Jingle Punks

The Coldstream Guards surprise royal watchers by playing Black Sabbath's Paranoid outside Buckingham Palace as fans honour Ozzy Osbourne. We dig into claims that Princess Margaret had fetal alcohol syndrome — and why royal friends are calling that “ridiculous.” Plus: King Charles may be hiding out at the Castle of Mey, Windsor Castle hosts an iftar, Sophie skips Diana's funeral, Meghan Markle's rosé returns, tsunami alerts near Montecito, and could your surname reveal royal roots?Follow our new series Crown and Controversy! Follow now. The full Season 1 is available now for premium subscribers. Episodes come out every Sunday on the normal feed.To become a premium subscriber (no ads and no feed drops) visit caloroga.com/plus. For Apple users, hit the banner on your Apple podcasts app which says UNINTERRUPTED LISTENING.

In this episode, Tudor speaks with Kim Cantin, a survivor of the devastating Montecito mudslide in 2018, which claimed the lives of her husband and son. Kim shares her harrowing experience during the disaster, the miraculous rescue of her daughter, and the long journey of healing and recovery that followed. The conversation delves into themes of faith, community support, and finding meaning in loss, culminating in the release of Kim's memoir, 'Where the Yellow Flowers Bloom,' which aims to inspire others facing similar tragedies. The Tudor Dixon Podcast is part of the Clay Travis & Buck Sexton Podcast Network. For more visit TudorDixonPodcast.com Purchase Kim's Book HERE Watch The Tudor Dixon Podcast on RumbleSee omnystudio.com/listener for privacy information.

Dive into the chilling depths of survival with "Echoes of the Lost" on The Mortals Podcast. Host Nathan Morris uncovers two lesser-known, haunting true stories of tragedy and impossible survival. First, witness the forgotten 1983 ferry disaster on Bangladesh's Buriganga River, where nearly 300 perished—except for one man who survived against all odds, guided by a mysterious voice from the water. Then, relive the devastating 2018 Montecito mudslide, where a mother and child were saved from certain death by an unseen presence in the debris. These eerie tales of near-death experiences and unexplainable interventions will leave you questioning the boundaries of life and the unknown. Perfect for fans of true crime, mystery, and supernatural stories. New episodes drop every Tuesday and Thursday—hit follow to never miss a shiver. Join our community at nathanmorrismusic.com for exclusive content. #TrueCrime #SurvivalStories #Supernatural #Podcast #MysteryThe Mortals Podcast is sponsored by Descript: https://get.descript.com/mortals Try POPPY AI: https://tr.ee/EIaE14______________________________

A Murder in Montecito begins here. Mystery author Diana Rosales arrives at a writing retreat—invited by her biggest critic. When that critic turns up dead, Diana knows it wasn't suicide. Listen to the first episode of this Sonoro series now. Search for A Murder in Montecito wherever you found this podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

A Murder in Montecito begins here. Mystery author Diana Rosales arrives at a writing retreat—invited by her biggest critic. When that critic turns up dead, Diana knows it wasn't suicide. Listen to the first episode of this Sonoro series now. Search for A Murder in Montecito wherever you found this podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Grant Rutter introduces MONTECITO: An Audio Soap Opera to his longtime audience of Grants Rants Hollywood Talk. Welcome to Montecito. A dark paradise where shattered romances, hidden family secrets, scandalous affairs hide behind manicured hedges and the shadows of towering palm trees. Inspired by the golden age of American radio dramas, Montecito blends classic soap with the modern audio drama genre —where love is currency, legacy is everything, and trust is the most dangerous game of all.Available now for a bing-listen, prepare for a reimagining of the audio soap opera. Subscribe now and step into a world where everyone has something to hide... and everything to lose.Like MONTECITO on Facebook: https://www.facebook.com/montecitoseriesSubscribe to MONTECITO on Apple Podcasts:https://podcasts.apple.com/us/podcast/montecito/id1806842214Watch MONTECITO on YouTube: https://www.youtube.com/@MontecitoSeries

A Murder in Montecito begins here. Mystery author Diana Rosales arrives at a writing retreat—invited by her biggest critic. When that critic turns up dead, Diana knows it wasn't suicide. Listen to the first episode of this Sonoro series now. Search for A Murder in Montecito wherever you found this podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

A Murder in Montecito begins here. Mystery author Diana Rosales arrives at a writing retreat—invited by her biggest critic. When that critic turns up dead, Diana knows it wasn't suicide. Listen to the first episode of this Sonoro series now. Search for A Murder in Montecito wherever you found this podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

I am standing on a court in Santa Barbara, and it's my very first pickleball lesson. I arrived early and I'm already warmed up, focused and ready to do everything exactly right. In fact, even before booking this lesson, I researched every single coach in town. I landed on Richard Pastoria because he's the real deal: a professional coach for over 25 years, the resident pickleball pro at the Valley Club of Montecito, and - not only that - he also has a military background. That combination of structure and discipline and high standards speaks to me because I've been an athlete my entire life, and I take performance seriously, so I want to work with someone who brings that level of excellence and who understands focus like I do. I'm thinking we are going to be perfectly aligned. A few minutes into the lesson, we are already deep into a drill, and Coach Richard feeds me a ball. I move the way I think I'm supposed to and swing the way I think I'm supposed to… and I completely miss. Instantly, I feel my entire body tighten. I start analyzing. What did I do wrong? Was it my grip, or maybe it was my footwork? Or it could be my timing… I replay this moment in my mind, and I start getting mad at myself because I'm doing what he's telling me to do. I can feel myself spiraling faster and faster. I am an athlete. I should be able to do this. I should be able to pick this up.  I want so badly to get this right. It's at this moment that Coach Richard can see me spiraling. Across the court, I hear him yell out, “Kymberlee!” Okay, here it comes. I'm bracing myself, thinking that it's going to be a technical adjustment, another drill, and he says, “It's just pickleball.” That's it. No lecture, no overanalysis, just those three words. At that moment, I laugh. My shoulders drop, and I stop holding my breath because he's right; it is just pickleball. All of a sudden, I think, what if this were fun? Everything shifts. I keep playing, but now I feel lighter, looser, still focused but not robotic. I start laughing when I miss. I reset faster and strangely start hitting the ball better, and I realize that I don't have to choose between working hard and also having fun. I can actually care deeply and enjoy myself at the exact same time, and that paradox, that is where the power is. In this episode of the Storytelling School Podcast, I discuss what you can do to make your story truly land, why too much control kills connection, and so much more. You'll get answers to questions like: How can you be both serious about your performance and still have fun at the same time? What elements need to be in alignment in order to deliver a memorable Talk? How can you tell a compelling story without sounding robotic or rehearsed?  What you will learn in this episode: How mastery over your Talk is in the balance between effort and ease Why your energy should be in sync with your story  Why perfection is not persuasive Why letting go just enough creates the necessary space for authenticity, flow, and real impact A little about me: Hi there. I'm Kymberlee. As a Speaking Strategist and founder of Storytelling School, I've had the pleasure of working with over 500 speakers, business leaders, and entrepreneurs worldwide for over a decade. No matter if those folks were getting ready to take the TED or TEDx stage or preparing for a high-stakes presentation with everything on the line, my specialty is High Stakes Short Form Communication. I've seen what works when influencing change and what doesn't. It turns out storytelling is one of the most powerful tools you can have in your arsenal. That's why I'm building a movement of master storytellers to affect change in the world on a global scale to help people tell real stories that have influence and impact. With effective storytelling, you change people's lives. Since competition for potential client attention is fierce, a story can make the difference between being memorable or irrelevant. You'll find me sharing my matcha tea mishap to discuss perfectionism, my quest for Bruce Lee and Hello Kitty art to explore kindness, or, as I discuss in this episode, the six months of live blade training I underwent to illustrate presence. I spend my days showing the power of using stories to help cement ideas and bring lessons to life and teach my clients to do the same. If you think business owners can't tell stories or don't have stories to share with their clients, staff, donors, followers, or investors, I invite you to reconsider your perspective. There's no better place than in business to tell your stories so audiences, no matter how big or small, can understand how you think and what you value. Now it's your turn... If you're ready to become a master storyteller and effect change in our world, you've come to the right place. Links and Resources Storytelling School Website @storytellingschool on Instagram @storytellingschool on Facebook

Spencer Pratt calls out haters, after fans blast Heidi Montag's wig at the American Music Awards. Was it all for publicity? Meghan Markle is losing friends in her Montecito neighborhood. And The White House is responding to Joe Exotic's plea to be pardoned, after the Chrisleys are released from prison. And Daily Mail reporter fights being subpoenaed in Blake Lively vs. Justin Baldoni legal saga.   Bring on the good vibes and treat yourself to Soul today! Head to www.GetSoul.com and use the code NOFILTER for 30% off!    Get your tour tickets to see No Filter with Zack Peter LIVE: https://www.x1entertainment.com/zackpeter    Shop New Merch now: https://merchlabs.com/collections/zack-peter?srsltid=AfmBOoqqnV3kfsOYPubFFxCQdpCuGjVgssGIXZRXHcLPH9t4GjiKoaio   Book a personalized message on Cameo: https://v.cameo.com/e/QxWQhpd1TIb   Listen to The Pop Report: https://podcasts.apple.com/us/podcast/the-pop-report/id1746150111   Watch Disaster Daters: https://open.spotify.com/show/3L4GLnKwz9Uy5dT8Ey1VPi   Join the Zack Pack Community to get access to perks: https://www.youtube.com/channel/UCs3Zs51YaK-xw2U5ypi5eqg/join   Couldn't get enough? Follow @justplainzack or @nofilterwithzack

This week on Pop Culture Thursday, we're diving into the latest celebrity buzz straight from Page Six! Glen Powell is apparently expanding his empire into the world of condiments? We break down what's real and what's just good PR. Plus, Meghan Markle and Prince Harry's $14 million Montecito home is making headlines again. What's the latest royal tea? And, of course, we have to talk about Kelly Ripa because she always gives us something to discuss. Tune in for all the gossip, drama, and our hot takes!Support the podcast by supporting our sponsors!Ava Support the show and start building better credit. Use code JTRAIN for your first month of Ava free when you download the app at https://www.meetava.com/MyBookie Support the show and use code JTRAIN on MyBookie to double your money instantly on your 1 st deposit. Head to https://www.mybookie.ag/