Podcasts about multiply

Is it wrong for a Christian to want more? In this message from Ecclesiastes 2, Pastor Todd Doxzon looks at Solomon, a man who had wealth, success, influence, and just about everything he could want, yet still ended up saying, “I hated life.” Through three words, Multiply. Mammon. Motivation., Pastor Todd breaks down the difference between healthy ambition and allowing success, money, or comfort to take God's place. If you've ever worked hard for more without stopping to ask why, this message will challenge you to take a closer look at what's really driving you.

Join our upcoming live event at GREwebinars.com. It's called "The Seven Figure Solution" on August 27th at 8 PM Eastern. After listening to me for 12 years, learn how to finally put it all together for a coordinated, tax-efficient retirement and wealth plan.  Keith debunks alarmist predictions of an 80–95% housing crash and explains why inflation, constrained supply, and strong demand continue to put upward pressure on home prices.  He breaks down key trends in renter mobility, highlights how the AI boom is driving record-breaking rents in San Francisco, and contrasts "dopamine culture" and money maxing with GRE's philosophy of growing one's means through income property and leverage.  Keith also discusses how the Seven-Figure Solution framework helps real estate investors more effectively integrate properties, taxes, insurance, and retirement planning.  Episode Page: GetRichEducation.com/620 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. An alarmist calls for a housing price crash of 80 to 95 percent. We'll listen to it. This city's rents are up 26 percent annually. The rise of dopamine culture and money maxing has made its way into personal finance. Then an invitation to join us for a special event today on Get Rich Education.   Keith Weinhold  0:29   What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms MidSeal has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Naples, Italy, to Naples, Florida, and across 188 nations worldwide. You're listening to one of America's longest-running and most listened-to shows in the real estate world. This is Get Rich Education, and I'm Keith Weinhold. Yes, the very founder of this snaggle-toothed operation right here. I'm a longtime real estate investor myself, erstwhile writer for both Forbes and the Rich Dad Advisors, serving on the Forbes Real Estate Council, you can also see my work in the USA Today and Business Insider. I'm the creator of Real Estate Pays Five Ways and the Inflation Triple Crown. Oh, after all that, really, I'm just a shaved mammal with slack jaw, a highly leveraged hominid of the landed gentry, right before I discuss the housing price crash of 80 to 95% you know, keep in mind that most people think that if you're in real estate, then you've got to be either a realtor or a landlord. I am neither a realtor nor a landlord. People also think that it takes tons of money. It does not. Now you could pursue no money down strategies, but that takes some time to learn and skill to develop. Now I was a landlord in the early years of my real estate investing, but after about six years of that, I hired a property manager and never looked back. Therefore, keeping this mostly passive, a 20 to 25 percent down payment on a carefully selected residential rental property includes ones that today can still have purchase prices below 200k. That's purchased in a geographically investor advantaged market. Okay, that is the center of what we do here because when you own property this way, now you've got the margin where you can pay a property manager to enjoy the five ways that you're paid mostly passively. Be a savvy borrower.   Keith Weinhold  4:02   Now, when you're between deals and accumulating capital to add the next piece of property to your rental portfolio, that's where you can flip and do the opposite in the short term and be a real estate lender for perhaps an eight to 10% stable return. That's what I do, rather than getting three and a half percent, which is the going rate today in a high yield savings account. So be a lender between deals in the short term, or you're a savvy borrower long term. Now the late analyst at Housing Wire, and he was also a past guest here on the show, Logan Modashami, he brought this 80 to 95% housing price crash media piece to my attention. It's in the form of a meta reel that got a lot of attention. Let's play it. I mean, this type of nonsense circulates out. It's not founded on anything substantive, and this just absolutely does not serve anybody. You've got to take this type of thing as entertainment, but it's being presented in a serious, informative way, and just listen to the basis for the claim.    Hayden Weston  5:19   The United States housing market is about to collapse 80 to 95 percent, which means that homes that were worth 1.5 million are going to be worth 300,000. The reason is simple: the U.S. housing market has reached its most unaffordable level in history. People cannot afford to buy homes, and if people cannot buy homes, the market must correct. The question is how hard the market is going to crash, not if it will. According to CPI and price history data, this is predicted to be worse than the 2008 housing bubble. We are going to see prices drop 80 to 95 percent.   Keith Weinhold  6:02   A housing price collapse of 80 to 95 percent. This is from a platform called Hayden Trades. It has got to be the worst example of trying to steal attention rather than serving people. Gosh, don't even make 20% or 50% crash predictions anymore go for far higher, I guess. He says it is according to the CPI and price history data. This doesn't even make sense. Now the low affordability mentioned that part is true, and this is what's slowed home price appreciation. But here in the late 2020s, there was more upward pressure on home prices, not downward inflationary pressure, which is rampant. That is poised to raise replacement cost because a home is a bundle of land, labor, lumber, concrete, copper, and energy. America's best job markets face land and regulatory constraints that pressures prices upward, and regulations are not easily repealed either. There's a large reservoir of sideline buyers that still want to own, and single-family home construction is woefully insufficient, keeping the supply down. Indeed, there is more upward pressure on home prices, not downward. This coming inflation wave, that's exacerbated by war, is unfortunately, or fortunately, if you're positioned, it's poised to widen the K-shaped economy where winners win bigger and losers lose more. The boat is leaving the dock. Are you on it?   Keith Weinhold  7:54   The distance between the boat and the dock just keeps increasing, and eventually you won't be able to make the leap, the jump from the boat to the dock. Now, in the near term, because we're approaching the fall season, when you hear stats about median home prices, note that prices are lower in autumn and winter than they are in spring and summer. It happens pretty much every year. Now, why is this? Well, one reason is that a lot of people don't think about is simply the fact that smaller houses get sold in the winter compared to the summer. And why would this be? This is because families with school-age children who need larger homes get their deals done in summer months before school starts. That is one reason why median home prices are higher in the summer than they are in the winter. When you look at a long-term price chart of homes, this is why you see peaks each summer and dips each winter. Now, investors like us. Now we're not buying so much for school-age children considerations, but this phenomenon affects the median prices that you see quoted in most any market. That is how that works, and why homes present better in the summer too. Green lawns, Leaves, flowers, and natural light improve curb appeal. Some say buy when the snow is flying, sell when the flowers are blooming.   Keith Weinhold  9:32   Shortly, I want to tell you about the city with rents that are up 26% year over year, and there's no end in sight to those rent increases, either. But first, there's a significant national real estate trend. Now, a lot of times, the discussion about the rental market centers around the level of rents or the vacancy rate, and those metrics sure do matter. But what about tenant retention? That is. Renter mobility rate. How long do residents stay? Well, renter mobility is down, down, down. They are not moving around. That's the big trend. Tenants are staying longer. Renters are waiting longer to buy homes than prior generations did. I mean a lot of people are beginning to wonder if their starter home will arrive before their first social security check does? The share of renters planning to move within three years that has plunged since 2019 from 57% then down to just 37% now. This is according to a national survey from the New York Fed. 57 down to 37% that plan to move within three years. Yes, this means that even after the pandemic waned, renters plan to stay in place longer. Everyone is staying put longer, and what exactly is keeping all of those moving boxes in storage? You guessed it. Buying their own home is more difficult to afford. It's kind of like an obstacle course where the down payment is waiting at the finish line, which is a long ways away. It's like an ultra marathon. This decline in renter mobility. This is obviously good news for income property owners and landlords because vacancy and turnover are our greatest expenses. People are paying more.   Keith Weinhold  11:39   You know, it's interesting that many are staying and put because a lot of renters often pay three to 5% annual renewal increases, especially in single-family rentals. Among apartment dwellers, there are currently more move-ups than move downs. People willing to spend a little more, and part of this is because a lot of people have just simply given up, completely given up on buying a home, choosing instead to fritter away their money on DraftKings parlays, couchie predictions, meme coins, burritos whose delivery fees cost more than the burrito, and a dozen forgotten subscriptions quietly feeding on their checking account. Yeah, a lot of people have just given in. Besides falling renter mobility, there is also falling homeowner mobility. One reason it has fallen is due to the well-documented mortgage rate lock-in effect. But mobility is down among both groups, among renters and homeowners, for a few different reasons. Like I've mentioned in previous shows, America is aging, and older people move less. Remote work means people don't have to move for a job, and housing inventory remains limited. This means that there are few attractive alternatives to move into, whether you're a homeowner or a renter. Those are some reasons as to why mobility is down for both groups. And the New York Fed analysis shows that renter mobility it is especially weak among that subgroup that believes that they will never own a home. I mean, this group of people really isn't moving. They are staying in place even longer. This group that believes that they will never own a home, and this is a skew toward lower income renters for sure, but even upper income renters are staying longer. You know, I own a lot of single family rental homes myself, and I'm just thinking now, I can't even remember the last time someone's moved out. It might be over a year since anyone has moved. The average renter's perceived chance of ever owning a home that has fallen, and this is significant for investors. Okay, that percent of renters that ever hope to own a home has fallen from 52% back in 2015 down to just 35% last year. 52% down to 35% The amount of renters that think they'll ever own a home. Both single-family rental and apartment renters are staying longer. This is both types, and it's not because these renters stop wanting homes. About two-thirds say that they would prefer to own if they had the money to do so. This is substantial. The drop in American mobility rate. I mean, that part is actually decades long, and this seems to catch people off guard. A lot of people falsely believe that people are moving more often, and that's something I've touched on before. This deeply hurts.   Keith Weinhold  15:00   Certain industries like moving companies, furniture stores, and yes, real estate agents—all these groups of people have got to be wondering where did everybody go? The answer is nowhere. Apparently, they are not going anywhere. So the bottom line here, with this lack of mobility, is that renters feel locked out, owners feel locked in, and landlords feel locked up with their tenants staying longer. Although this is good news for landlords and investment property owners, you know there is one thing to be careful of amidst these longer tenant stays, and that is, well, say you buy a rental property with an existing tenant in place that's been there for a while, it's more likely then that that tenant is paying below market rent, and why would that be? Well, because generally, the longer a tenant stays, the more likely it is that the previous landlord gave them a break on the rent. Now, why does that happen? Well, landlords can get lazy about bumping up the rent, and see what's really going on is that the previous landlord, perhaps the person you bought the property from, they themselves bought the property at a much lower price years ago than you did today, and therefore their mortgage payment is lower, and therefore the lower rent was able to cover their mortgage payment. So they weren't too worried about it. But if you're buying at today's prices, well, then you cannot stand for yesterday's rent amount, and that's why it's more likely that you need to bump up the rent to market rent. Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report.San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, 6,020 dollars for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge while it's on your mind. Start at RidgeLendingGroup.com. That's ridgelendinggroup.com. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Keith Weinhold  17:22   Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report. San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, $6,020 for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing.   Keith Weinhold  20:46   I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  21:23   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Robert Kiyosaki  22:26   This is our rich dad, poor dad author Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and there is I respect Keith. He's a very strong, smart, bright young man.   Keith Weinhold  22:47   Welcome back to Get Rich Education. I'm your host Keith Weinhold. The rise of quick hit dopamine culture has definitely hit the personal finance world, and this is not a good trend for a lot of Gen Zers, who are those age 14 to 29, sports gambling is increasingly a part of what they think is financial planning. A recent survey from the wealth management platform Betterment shows that 26% of Gen Zers, more than one in four, then consider sports gambling as part of a deliberate long-term financial strategy. If you think that's bad, more than half of Gen Zers, 52% say they've rerouted funds from investment over to sports betting in the past year, and that's versus just 24% of all Americans. Yes, the rapid legalization of sports gambling means it's never been easier to bet your whole paycheck that the Mets are going to lose 100 games this season. When a prediction market or a sports book starts to feel like a retirement strategy, we have a problem, and this is congruent with the rise of dopamine culture across all of society, where we've gone from playing sports, then to watching sports, and now to gambling on sports. In the kitchen, it's where we've gone from home cooking to leaving and getting fast food, to ordering Uber Eats, it's where media has gone from film and TV to streaming shows, and now with dopamine culture, it is watching reels. It's how shopping has gone from first high street shopping, then to Amazon and now to the TikTok shop. It's how communicating with people. It's gone from handwritten letters to sending emails to Snapchats. It's how we've gone from newspapers to breaking news to rage bait. As far as what we listen to for music, this rise of dopamine culture-it used to be vinyl records, and then Spotify playlists, and now it's trending sounds.   Keith Weinhold  25:11   It's gone from finding love to casual dating to infinite swiping. How about the way we look at and share photos? It's gone from photo albums to camera rolls to Instagram stories, and how about the way we access information with this rise of dopamine culture? It's gone from libraries to Google to Chat GPT, and that brings us to money maxing. Okay, yes, here in our finance world, the rise of dopamine culture has led to this. Yes, that is apparently a word now. Money maxing-it's all one word with 2x's. It sounds like something invented by a 22-year-old who's got three credit cards, three hoodies, and one fork. Okay, but money maxing-that is one of the newest personal finance trends spreading across social media. Now, the maxing stuff in that whole suffix that first became popular through terms like looks maxing, which means trying to maximize your physical appearance, whether you're male or female, and now people are sleep maxing, health maxing, career maxing, and I guess it was just inevitable until they were money maxing. And what it really means is optimizing your financial life so that every dollar works harder for you. That could include using a high yield savings account, earning credit card points and rewards, automating your investments, negotiating bills, and eliminating wasteful spending-eh, in other words, it's just another internet reinvention of financial responsibility. I mean, your grandparents just called it being sensible.   Keith Weinhold  26:58   Now, I do like the fact that young people are talking about money. I mean, as we've covered before, financial education is desperately needed. Schools will teach you about the parts of a biological cell, but surely not how to read a mortgage statement. So you can graduate knowing that mitochondria are the powerhouse of the cell, while believing that a tax refund is free money from the government. So you know, directionally, money maxing is good, but see, it usually only focuses on one side of the equation. That's the problem with money maxing. It only focuses on spending less. And here at GRE we take a different approach. The old financial advice is live below your means, and GRE's philosophy is grow your means. You should only live below your means earlier in your financial life when you sort of have to and you need to form capital for investments. But grow your means so that you can have the means to do things. I mean, that is the point of financial betterment.   Keith Weinhold  28:09   Long term, financial betterment is certainly not sustainable by saving money by getting a haircut at home, only watching men's fast pitch softball at the Moose Lodge because it's free instead of going to a Major League Baseball game, saving $120 on air tickets by adding an extra layover on your trip itinerary, or a buy one get one free deal on Hillshire Farm Bacon. Now, of course, you shouldn't waste money if you're paying for six streaming services and you're only watching one. Well, cancel the others. If you carry a credit card balance at 24% surely extinguish that financial dumpster fire. But you cannot shrink your way to an extraordinary life. There is a floor beneath how little you can spend, there is no ceiling above how much value you can create for others. You can cancel your coffee, you can stop eating out, you can turn down the thermostat until your living room feels like a meat locker, but eventually there is nothing meaningful left to cut. That is the weakness in traditional money advice. It treats personal finance like a sinking ship, and it just hands you a bucket. Growing your means is building a bigger ship. The most powerful form of money maxing is not squeezing another 2% off your grocery bill. It is increasing your income. It is acquiring productive assets and creating systems that pay you repeatedly. I mean, saving 20 bucks is fine. Creating another income stream can continue for. Years. This is the difference between subtraction and multiplication. Most money-maxing advice really isn't different than that conventional advice. It's living in the world of subtraction. Cut this. Cancel that. Buy the generic cereal. Drive across town to save 12 cents per gallon. Hey, congratulations! You just spent 40 minutes of your finite life to save $2.80. Real wealth is built through multiplication. Multiply your income, multiply your skills, multiply your relationships, learn a new system, multiply the number of people you serve with rental property, and then multiply your money through productive assets. Now, this does not mean to spend recklessly. Growing means is not permission to inflate your lifestyle every single time your income rises, but it means directing more attention toward expansion than deprivation.   Keith Weinhold  30:59   Ask yourself a better question. Instead of asking how can I save another $100 this month, ask how can I create another $1,000 of monthly income. That very question activates a completely different part of your brain. Now maybe you develop a valuable skill. Maybe you negotiate your compensation. Maybe you start a business. Maybe you acquire an income property. Maybe you turn knowledge, intellectual property, or an audience into a recurring revenue stream. You start looking for leverage rather than looking for coupons and leverage, that is the real engine of what money maxing ought to be. Leverage means accomplishing more with less of your personal effort, and there sure are a lot of forms you can leverage other people's time. You can leverage systems and technology. We're going to talk about a system later here. You can leverage media where one message reaches 1000s or millions of people, and in real estate, you can leverage other people's money. You can scale. A few weeks ago, here I discussed four different types of scale. Real estate investors can get them all at the same time. If you remember, they are financial leverage, like with the five ways. There's operational leverage, there's geographic leverage, and finally replication. You use a relatively small down payment to control a much larger asset while your tenant pays you rent, that income helps cover the property's expenses and mortgage, and over time, inflation tends to lift rents and property values. While your fixed rate debt becomes easier to repay with diminished dollars, I mean that is real money maxing right there. In fact, GRE's real estate pays five ways framework might be the ultimate money maxing system. One property can produce cash flow; it can appreciate. Your tenant can gradually amortize your loan for you. You get the tax benefits, and inflation can transfer wealth from the lender to you through your fixed rate debt, five simultaneous financial benefits attached to one asset. Oh, and we're going to take that and compare that with saving 50 cents on toothpaste. Now, both things technically do improve your finances, but they don't even belong in the same zip code.   Keith Weinhold  33:41   Now, none of this means that every leveraged property is a good investment. In fact, leverage amplifies outcomes. A well-selected, properly financed property is going to accelerate your wealth creation. But a bad deal with thin reserves-hey, that can accelerate your introduction to an attorney. Money maxing still requires judgment. You want durable income, adequate liquidity, responsible underwriting, and you want to have enough reserves to withstand the inevitable surprise. Because every rental property eventually introduces you to something that is leaking, squeaking, or perhaps refusing to pay. The goal is not to optimize every dollar so aggressively that your financial life becomes fragile. And really, that is an important warning about all forms of maxing. Optimization can go too far. Someone might transfer money among five banks to chase these tiny promotional yields, and open 12 credit cards for bonus points, and then monitor every purchase with the intensity of airport security. Okay, I mean technically they're optimization. Their money, but they're also turning their life into like an unpaid accounting internship. Your money should create freedom, not become another demanding employer. Effective money maxing focuses on the big levers first. Get some big wins. Increase your earned income. Own those productive assets. Use good debt prudently. Reduce taxes legally. Protect yourself against catastrophic losses. Maintain liquidity, and then optimize the smaller expenses. Do not spend three hours clipping coupons while ignoring a poorly structured $400,000 mortgage. You do not congratulate yourself on saving $9 on lunch while leaving 50k idle in an account that earns almost nothing. So we don't obsess over credit card points while carrying a balance because paying 24% interest to earn 2% cash back is not money maxing. That is like arithmetic getting mugged in an alley. And there's also an important difference between looking rich and becoming wealthy. Social media rewards visible consumption on things like cars, watches, first-class seats, rooftop dinners, actual wealth-that's something that's often invisible. It is the rental property quietly producing income. It is the ownership stake compounding in the background. It is the tax strategy that's never going to appear in a photograph, and it is the growing gap between what you earn and what you need to live.   Keith Weinhold  36:46   The person displaying the most wealth can have the least. The person saying very little might own the building. So yes, embrace money maxing. Know where your money goes. Eliminate the waste. Negotiate recurring expenses, automate your good decisions, and make your dollar purposeful. Each dollar, but don't stop with living below your means because that is only financial defense. Growing your means is financial offense. Saving money can make you more secure. Owning productive assets-that's what can make you free. The highest form of money maxing is not becoming the world's most efficient consumer. It is making the transition from consumer to owner. Own businesses, own equities, own real estate, own assets that produce value while you sleep, travel, or spend time with the people that matter to you. Because your time is limited, and yet your appetite for generic cereal is also limited. But your ability to create value, acquire assets, and grow your means. That is far less limited. Live below your means if you must, but don't stay there. Grow your means. That is true money maxing. And the number one reason that people don't acquire wealth. Do you know what it is? It's that it simply does not occur to them that they can.    Keith Weinhold  38:24   That is what Brian Tracy said. That is so incredibly simple, and it's true. If you want a money max, you need to have a great system. Let me tell you about a system called the Seven Figure Solution. Now you've been listening to me weekly for almost 12 years here, which I'm immensely grateful for. You've been earning money, investing well, and here with the seven-figure solution, you're going to be able to finally see how it all goes together. It's about making sure that your real estate and other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time, the liquidity is key because this is where a 401(k) or IRA limit you. Those vehicles have taxes and penalties if you want to use those funds early, and this does not.   Keith Weinhold  39:34   But the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach here, Naresh uses something like this, and he's in his 30s. It also gives you a significant tailwind during your investing career. Integrate the seven-figure solution the GRE way, where we have a conscientiousness about leverage in cash flow, and in this case, part of it is how to prove. Leverage a life insurance policy. When it's time to tap that policy's cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, and therefore you're using the funds in more than one place. That's the leverage, and then the IRS does not tax loan proceeds, and this reminds me of a billionaire borrowing against the value of their stock rather than having to sell any of those assets. And yet, this can be done tax-free. It's similar to what you can do with the seven-figure solution, even for non-billionaires, it is buy, borrow, die. This leverages an indexed universal life policy, and there is the right way to do this and the wrong way to do it. Part of the seven-figure solution is that your cash value can have an upside ceiling and loss protection on the downside. That's really something that you only care about more as you're closer to retirement. And there are some mistakes to avoid here. You don't just want to set up the seven-figure solution off of a website, and it's based on products that you might have heard of from companies like Nationwide and mass mutual. I strongly encourage you to learn more, see how it all goes together, and learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, and even a 721 and 1031 exchange. This is very much about you being able to picture your future, you've been building your real estate portfolio either from your investment coach or on your own. This is how the puzzle pieces finally are all going to go together. I am cordially inviting you to join us for a special live event, the Seven Figure Solution. It is co-hosted by our own GRE investment coach Naresh and Haven Bridges Jared, who you heard from on the show with me last week. By attending live from the comfort of your own home or from anywhere, you can have your questions answered in real time. It is this Thursday, the 27th, at 8 p.m. Eastern, 5 p.m. Pacific.   Keith Weinhold  42:23   Most people spend decades building wealth, and then they lose far too much of it because the retirement pieces were never designed to work with each other. So you're going to see how real estate, taxes, insurance, and retirement income can fit into one coordinated strategy, helping you grow and protect your wealth, access capital without immediately selling your assets, and potentially avoid losing hundreds of thousands of dollars to taxes unnecessarily. So it's not just another collection of disconnected financial tips. Really, it's your opportunity to finally see the entire retirement picture and understand what might be missing from yours. It's complimentary to attend. The longer you wait, the fewer options you could have. Decisions made today can affect your wealth for decades. Don't wait until retirement day to discover that your plan had expensive holes in it. There are some moving pieces here, so it's especially helpful that you attend this one live, and that way you can have any questions answered in real time, so that you really understand. And you might have been one of thousands of listeners that have attended our property webinars before, and they are important to building your portfolio. But this one could very well be more important in seeing your big picture, seeing your retirement, and seeing that your heirs aren't left with a giant tax bill too. You can reserve your seat now for the seven-figure solution at grewebinars.com again. That's grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  44:14   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  44:42   The preceding program was brought to you by your home for wealth building. getricheducation.com.

Pastor Mark shares about the Antioch Movement prophetic word for 2026, explaining our heritage in the Isaiah 54:1-3 promise, and what it means for us to own our part in strengthening the spiritual family.

Greg Roeder breaks down how he turned a pickle-ball league and community events into a steady stream of high-end, referral-only business. He explains the “invisible agent” problem and shares his 3M framework: mobilize your people, make content for your dream clients, and multiply your impact through systems and support. Greg walks through how he uses niche-specific newsletters, short-form video, and authentic signature events to become the obvious choice for $1M+ buyers and sellers. Greg also reveals how redefining success beyond being “on” 24/7 helped him scale from $12M to $40M in volume without sacrificing his personal life. “Join the launch list and grab the digital version of Getting to a Million for $1″ when it’s released on September 29th! Get your copy here. If you'd prefer to watch this interview, click here to view on YouTube! Greg Roeder can be reached at greg@sellingfortcollins.com and 970.213.2095 This episode is brought to you by RealGeeks and Courted.io.

Twenty years after helping the St. Louis Cardinals win the 2006 World Series, Randy Flores is back with The Rizzuto Show — except now he's sitting on the other side of baseball, helping find the players who could become the Cardinals' next generation of stars.The Cardinals assistant GM of scouting and acquisition joins this comedy podcast to talk about Draft365: Scouting MLB's Future Stars, a behind-the-scenes look at a side of professional baseball fans almost never get to see.And when we say behind the scenes, we mean it.Flores explains how roughly 23 Cardinals scouts spread across the country evaluate elite high school and college talent, how players make their way onto the organization's radar, and what happens when scouts, analysts, data engineers, performance specialists and actual human eyeballs all have to agree on which teenager might someday be standing at Busch Stadium.Turns out it's slightly more complicated than your uncle saying, “Kid's got a good swing.”Randy also explains just how absurdly difficult it is to reach Major League Baseball. The crew immediately starts Googling percentages, Rafe consults what basically becomes “Gronk AI,” and everyone arrives at the same scientific conclusion:Your odds aren't great.Even the players who get drafted were usually THE player where they came from — the best kid in their town, school or region — only to arrive in professional baseball and discover they're now surrounded by hundreds of other guys who were also the best kid everywhere they came from.Welcome to the world's most emotionally devastating All-Star team.Flores talks about seeing that firsthand after being drafted himself and walking into the Yankees system, where he realized his team was only one of several groups making cuts — inside just one organization. Multiply that by the rest of Major League Baseball and suddenly “making the show” sounds less like a career plan and more like surviving a very athletic Hunger Games.The conversation also dives into Cardinals prospects like Jordan Walker and Joshua Baez, including how the unusual COVID-era draft helped St. Louis feel confident about Walker and how adversity in the minor leagues helped prepare Baez for his eventual opportunity.And despite baseball becoming more obsessed with analytics, Randy explains why scouting still can't be reduced to numbers on a screen. Players leave home. They struggle. They get hurt. They fail for possibly the first time in their lives. Scouts aren't only evaluating what someone can do when everything is going right — they're trying to figure out what happens when baseball punches them directly in the mouth.That's where the human side still matters.For parents convinced they're currently raising the next MLB superstar, Flores also delivers some advice that may save everybody several thousand dollars and one deeply uncomfortable car ride home: if the kid is truly good enough, scouts will find them. Parents can help most by supporting the kid instead of turning every Little League game into Game 7 of the World Series.The pressure is already enormous. Kids now have rankings, social media clips and embarrassing moments that can follow them indefinitely. Randy's advice is refreshingly simple: home should still be the safe place.We also get into Randy's unusual road from an eight-year MLB career to graduate school, broadcasting, coaching, entrepreneurship and eventually a phone call from John Mozeliak asking whether he'd consider becoming a scouting director — to which Randy essentially responded, “Cool. What's a scouting director?”Career planning!Plus, Randy previews the 20-year reunion of the 2006 World Series champion Cardinals and explains what he hopes fans take away from Draft365: behind every prospect is an enormous group of people obsessively trying to keep the Cardinals' pipeline loaded with talent.By the end, Rafe wants to be scouted, Moon wants a job, Jon Lovitz's performance as a scout in A League of Their Own is finally evaluated by an actual professional, and somehow Marla Hooch helps bring the interview home.It's baseball insight, St. Louis Cardinals history and just enough nonsense to remind Randy he willingly walked into a comedy podcast.Twenty-five minutes later, we're all convinced we're getting drafted.We're not.But that's never stopped this comedy podcast before.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Lens #012 - 40 Entrepreneurs, 1 Skill Everyone Was MissingOne question every entrepreneur can answer. One question almost none of them can.Episode SummaryIn this episode of The Lifestyle Investor Podcast, host Justin Donald breaks down the Four Wealth Quadrants and why most entrepreneurs are great at making money but never learn to manage, multiply, or direct it.You'll learn Kiyosaki's test for whether you actually own your business, why "can I afford this?" is the wrong question, and how financial freedom outside the business makes you sharper inside it.Question of the Day

In Episode 145 of The Powerlifter's Den, Cam sits down with Tara Duncan, a 10-year powerlifter with experience in both raw and multiply, a 705 lb squat, and pro totals in three weight classes.We talk about her transition into geared lifting, raising a daughter who now powerlifts, the downside of comparison and social media, the “mass moves mass” argument, and what she learned through injury, weight loss, and depression.

Charisse Mills turned $2,900 meant for rent into a million-dollar business—but her story includes much more than entrepreneurship.In this episode of Inside the Vault with Ash Cash, Charisse opens up about discovering her voice as a teenager, studying at Manhattan School of Music, creating her own “pop opera” lane, and refusing to let the entertainment industry put her in a box.While still in college, she built a modeling agency managing nearly 83 models and made her first million dollars before graduating. Later, she risked her $2,900 rent money on roughly 50 waist trainers, sold out in one week, reinvested the profits, and grew the operation from her apartment into a Harlem brownstone with employees and thousands of orders.Charisse also gets vulnerable about losing everything, living in her best friend's basement for two years, rebuilding through faith, motherhood, and entrepreneurship, and learning when it is time to pivot.Ash and Charisse also discuss reality TV, relationships, Airbnb, multiple streams of income, children's music, the Royalty Kids Network, investing, AI, product businesses, marketing, and why starting over does not mean starting from nothing.This conversation is about knowing when to create, pivot, rebuild, and bet on yourself again.ConnectGuest: @charissemillsInside the Vault: @insidethevaultHost: @iamashcashInsideTheVaultShow.comIAmAshCash.comJoin the Abundance CommunityLearn how to MAKE money, MANAGE money, and MULTIPLY money while building the mindset and foundation for lasting financial freedom.TheAbundanceCommunity.comSubscribe, turn on notifications, and share this episode with someone ready to bet on themselves again.Chapters00:00 – Preview: Music, millions and reinvention02:30 – Introducing Charisse Mills04:18 – Who is Charisse Mills?05:04 – Discovering her voice06:27 – The performance that changed everything07:07 – Trinidad, New York and opera09:02 – Juilliard vs. Manhattan School of Music10:18 – Going where someone sees you11:21 – Why her international roles changed12:21 – Creating Pop Opera13:21 – Refusing to fit the industry's box14:27 – What she would change about her career15:21 – Why drama sells16:30 – Reality TV and scandal17:08 – Coming Up Miami and starting over17:46 – The End That Saved Me19:28 – Relocating to Miami20:36 – Relationships and leadership22:19 – Charisse's relationship perspective24:35 – Building generational legacy25:09 – Starting a modeling agency in college25:47 – Making her first million before graduating26:42 – Betting $2,900 of rent money27:15 – Selling out in one week27:34 – From her apartment to a Harlem brownstone28:22 – Becoming a top waist-training business28:29 – Why nobody knew she owned it29:04 – Celebrity marketing29:55 – Making $20K–$30K from one post30:08 – How Amazon changed the business30:36 – Learning to pivot31:54 – Little investment, big return32:01 – Building an Airbnb portfolio32:20 – Motherhood and her miracle baby33:04 – The New York hustle35:04 – Losing everything35:23 – Living in a basement for two years35:45 – Being robbed and rebuilding38:50 – Faith through adversity39:38 – Greatness on Display41:01 – Reality-TV drama42:23 – ABC Bounce and children's music43:13 – How Ms. Rachel inspired her44:13 – Launching Royalty Kids Network46:00 – Acting and returning to music47:59 – The legacy Charisse wants to leave48:40 – Let business fund your passion49:40 – Advice to her 18-year-old self50:18 – Missing the early Bitcoin opportunity50:44 – Why you cannot ignore AI51:23 – Become a producer, not just a consumer52:18 – Using AI in business53:23 – Monetizing books and expertise54:01 – Build around what you believe in54:59 – Bad and Bougie Beauty55:43 – FOMO marketing and selling out56:46 – Becoming more vulnerable57:59 – Never be afraid to start over58:34 – Depression, faith and rebuilding59:09 – Family, teamwork and integrity59:43 – Connect with Charisse Mills1:00:04 – New projects and upcoming releases1:00:59 – Closing the VaultAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join us in Clean Biz Network! https://www.cleanbiznetwork.app/Get your Cleaning Business Automated! Visit https://cleanbizuniversity.com/automa...Join this channel to get access to perks:   / @ajsimmonsonline  Schedule a 1 on 1 Consultation: https://calendly.com/ajsimmonsLet my lead generation company to set bid appointments for you! Click here https://www.cleanbizcrm.com/leadgener...Follow: @AjSimmonsOnline on Instagram   / ajsimmonsonline  Need Business Insurance? Click this link https://nextinsurance.sjv.io/Ea23K9Need Business Credit? Apply at this linkhttps://americanexpress.com/en-us/ref...Thank you for watching, subscribing, liking, sharing, and commenting!!!!

Your book is a message you're called to steward, not just a product to sell. In this free live workshop, you'll learn three shifts that turn your book into a clear path readers follow, one that builds trust, grows income, and funds your calling with recurring revenue.  Save My Workshop Seat

For more than 150 years, the Riemann hypothesis has stood as one of the major unsolved problems in mathematics. Anthropic hasn't solved it — but the company's models made more progress than you might expect. Also, OpenAI is expanding its AI cybersecurity defense program Daybreak, and rolling out a new cyber-trained AI model with it. Learn more about your ad choices. Visit podcastchoices.com/adchoices

He helped entrepreneurs secure more than $52 MILLION in capital—and now Stedman Waiters is breaking down how the business funding game actually works.In this episode of Inside the Vault with Ash Cash, Stedman explains how he went from professional football and an $80K engineering career to building Waiters Capital into a multimillion-dollar funding company.Stedman pulls back the curtain on what banks actually look for, why entrepreneurs get denied, and how funding brokers connect business owners with lenders without putting up their own money. He breaks down 0% business funding, revenue-based lending, business lines of credit, SBA loans, equipment financing, CDFIs, bank relationships, and personal credit.But getting access to money is only part of the game.Stedman also shares how he transitioned from his 9-to-5 without recklessly quitting, why investing in mentorship accelerated his success, how marketing became the engine behind his seven-figure business, and the **3 M's—More, Metrics & Manpower—**that he uses to scale businesses.Ash and Stedman also discuss becoming the first millionaire in your family, why success can become lonely, acquiring existing businesses during the generational wealth transfer, using credit as leverage, and why entrepreneurs who learn to use AI may gain a major advantage.The biggest lesson?Banks are lending. The question is whether you understand how to position yourself—and your business—to access the capital.CONNECT

Dustin Pereira - Multiply What God Has Entrusted To You by Citipointe Church - Redcliffe

Sunday Morning Message - "Made to Multiply"In this message from August 9, Pastor Kyle celebrates what God has been doing in our church and casts vision for who He is calling us to become. As we continue helping people find hope, we're focusing on becoming disciples who multiply—Jesus followers, Spirit-led believers, prayer warriors, family builders, and kingdom multipliers. Together, we're being challenged to take our next step, whether that's following Jesus, being baptized, joining a group, serving, or being trained to make disciples.

The Biggest Obstacle to Your Spiritual Growth (It's Probably Not What You Think) Everyone wants revival. We want to feel closer to God. We want deeper faith. We want more joy. We want to become spiritually fruitful. But what if revival doesn't begin with stronger emotions? What if it begins with a renewed mind? In this episode, Rob explores Romans 12:1–2 and explains why God transforms the way we think before He transforms the way we live. You'll discover: • Why revival always begins with God's mercy • How culture quietly shapes our thinking • Why trusting your own understanding can become spiritually dangerous • The connection between what you focus on and who you become • Five practical habits that renew your mind every day • Why your greatest years of spiritual growth may still be ahead of you If you've felt spiritually tired, discouraged, or stuck, this episode will help you return to the foundation of lasting transformation. Key Scripture: Romans 12:1–2 Also Mentioned: Proverbs 3:5–6 2 Corinthians 3:18 2 Corinthians 4:16 If this episode encouraged you: • Subscribe to the Rob Skinner Podcast • Share this episode with a friend • Leave a review • Check out Rob's book Before You Quit: Hope for the Christian Who Feels Done Remember: Live a no-regrets life. Make this life count. Multiply disciples, leaders, and churches.

Send us Fan MailSupport the showMillion Podcasts ListDownload Upside and use my code MELINDA35278 to get 15¢ per gallon extra cash back on your first gas fill-up and 10% extra cash on your first food purchase!Download Fetch app using this link, submit a receipt and we'll both score bonus points.Calling All Educators! I started a community with resources, courses, articles, networking, and more.I am looking for members to help me build it with the most valuable resources.I would really appreciate your input as a teacher, leader, administrator, or consultant.Join here: Empowered Educator CommunityBook: Educator to Entrepreneur: IGNITE Your Path to Freelance Successemail: melinda@empowereducator.com

Originally recorded May 2024. This episode is from the Be Battle Ready archive and is well worth a second listen. Dan John is one of the most respected strength coaches in the world. A former All-American discus thrower, a prolific author with close to 20 books to his name, and someone who has been coaching athletes across multiple sports for over four decades. He has a rare gift. The ability to take genuinely complex ideas and distil them into something so simple you wonder why you ever made it complicated in the first place. This conversation covers the difference between health, longevity, fitness and performance, and why most athletes confuse them. We get into why the basics consistently applied over years are the only secret that actually exists, what strength and mobility work should look like for endurance athletes over 50, what equipment you actually need, and a phrase that came up in the conversation that I think every person over 40 should sit with. The physical pension. 5 KEY POINTS Health, longevity, fitness and performance are four different things. Most athletes chase fitness and performance while neglecting health and longevity. Get the order wrong and the whole house eventually falls down. Fitness is simply the ability to do a task. Nothing more. Stop comparing yourself to people doing different tasks. The best couch carrier in the world isn't automatically fitter than the best Ironman athlete. They're just fit for different things. The only secret is consistency over time. Five days a week, 52 weeks a year. One to five workouts will be brilliant, one in five will be embarrassing, and three out of five will be ordinary. Multiply that by 10 years and the ordinary ones quietly do all the work. Strength work becomes non-negotiable after 50. The 35 to 55 window is when you build the strength reserves that stay with you for the rest of your life. Future you will be very glad you did. The physical pension is real. Regular deposits into your physical health now, while you can, build the pot you'll draw on in your 60s, 70s and beyond. Every consistent week compounds. 3 TAKEAWAYS Mobility before strength. If you're limited in range of movement, getting stronger within that limited range won't give you much return. Fix the mobility first, then build strength through the full range. Focus on movements, not muscles. Squats, hinges, pushes, pulls and loaded carries work the biggest number of muscles in one hit and build the kind of functional strength that transfers to sport and life. Ask yourself: will future me be happy with this decision? If you're 45 and making training, nutrition and lifestyle choices, run them through that filter first. KILLER QUOTE "It's hard to sell a secret when there's no secret. You do the basics right, you recover well, and you repeat the next day. That's it."   CONNECT with Dan Dan John is a strength coach, author and educator based in the United States. He has coached athletes from high school level through to Olympic standard across multiple sports. To find out more about Dan John, please visit these channels: Website - Dan John University Sign up for Dan's weekly newsletter “Wandering Weights”  Easy Strength with Dan John & Pavel Tsatsouline Check out Dan John's other books HERE Dan is a prolific writer. Check out his articles and blogs    Dan John talks about the physical pension — putting regular deposits into your physical health now so future you has something to draw on. That's exactly the philosophy behind SWAT Inner Circle. Structured training plans from Sprint to Ironman, strength and mobility built in, recovery centred, and designed for the age you are now, not the age you were. New members join at £65 a month. No minimum term, cancel any time. Details at simonward.co.uk/swat-inner-circle   FREE Download

Two hundred million. That's the number of believers now worshiping and being discipled inside movements around the world — double what researcher Justin Long reported the last time he joined me on this podcast. Justin serves as Director of Research for Beyond and plays a key role in the 24:14 Coalition, the global collaboration working toward a movement strategy for every unreached people and place. In this conversation, he walks me through how that number actually gets verified — a story that involves a room full of practitioners, stacks of paper, and one very content introvert who traded his conference “fun day” for a weekend with spreadsheets. We talk about why 24:14 is retiring the old “2% reached” benchmark for a tougher new standard called “going green,” and why the goal was never meant to be a countdown to Jesus' return, but simple obedience to what He already told us to do. Wherever you're leading — a congregation in the Midwest or the first handful of believers in a place that's never had a movement before — you'll walk away with a sharper prayer list and a next step for getting relationally connected to what God is doing. Stick around after the interview for our Diving Deeper segment with Justin, available for Dare to Multiply members, where we go further into the trends, the risks, and the research disagreements shaping the movement world right now. Learn more or get in touch with Justin at justinlong.org or 2414now.net.

Destiny Christian Center August 2, 2026 Designed To Multiply, Pastor Lawrence Neisent destinyokc.com

Calvary Live is an outreach ministry of GraceFM at Calvary Church in Aurora, ColoradoPastor Ed Taylor is the Senior Pastor of Calvary Church –you can find more about him at edtaylor.orgBooks by Pastor Ed along with other curated discipleship resources from his home church bookstore are available at calvaryco.storeIf you like what you hear on Calvary Live – don't forget t ofollow us, and share it with your friends and family!

Nearly half of practicing Christians already trust AI with their spiritual growth. This isn't the "should we use it" debate — that's settled. It's an honest look at where AI helps the real work of multiplication, and where it quietly substitutes for the thing disciple-making can't do without: a person, present, calling another person toward obedience. Read the companion blog post: "The Line AI Can't Cross in Disciple-Making" Join the Dare to Multiply community: multipliersmindset.com/dtmmembership

Wildfires ignited by lightning are expanding across the Northwest as heat and drought persist, sending smoke across the northern U.S. and southern Canada and raising concerns over dangerous air quality. Also, as Hurricane Fausto passes north of Hawaii with fringe impacts, Hurricane Genevieve is stealing the show in the Pacific reaching Category 5 intensity on Monday. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Teach Others To Give, Multiply Your Impact! Supersize You Annual Challenge Day 204! Join us every day in 2026 for a quick challenge that is all about you Improving and creating the life you want! https://www.facebook.com/ThrivingSharon Ask your questions and share your wisdom! #supersize #doonethingeverydaytosupersizeyou #lessonslearned #missedopportunities #decisionmaking #beabetteryou #personalgrowth #developskills #uncoverwhatis #contribution #giving #maketheworldabetterplace #impact #benefitsofgiving #impactofyou #givetoget #breakyourheart #yourmission #yourpurpose #triggersemotions #curious #excited #givetime #giveattention #givevalue #beyou #mentorsomeone #sharewisdom #care #intentionalgiving #giveregularly #whatmatters #mindset #howcanIhelp #creatortrap #measurewhatmatters #measure #SUPERframework #teach #sharewisdom #shareskills #rippleeffect

Send us Fan MailA résumé can look inevitable in hindsight, but the human story is usually messier and far more useful. I sit down with Jack Madrid, whose career spans Citibank, Ayala, MTV Philippines, Yahoo, Multiply, and now IBPAP, the organization that represents the Philippines' IT-BPM industry. We talk about what actually travels across industries when your job title changes, and why relationship management is not only about clients; it is also about learning to manage up, sideways and down inside real organizational hierarchies.Jack shares the moment that rewired his confidence: an eighth-grade debate where he was terrified to speak, then heard his own voice and realized he belonged. From there we explore a practical idea for anyone who stays quiet in meetings: the wasted opportunity of an unexpressed opinion. We also dig into the mindset behind a non-linear career, including trusting instinct, learning from mistakes without living in regret, and staying open to lessons from any conversation. His rule is simple and challenging: if you have to choose between engaging with a person or looking at your phone, choose the person.We also go straight at the anxiety of our time: AI and the future of BPO and knowledge work. Jack argues the bigger risk is not artificial intelligence itself but complacency, and he explains what “moving up the value chain” means for frontline workers in practical terms. We close with an underrated leadership lever that costs nothing and changes everything: kindness. If you find this helpful, subscribe, share it with a friend, and leave a review. What part of your career are you ready to reinvent next?Have you purchased the copy of Inspire Someone Today, yet? - Give it a go geni.us/istbookAvailable on all podcast platforms, including, Apple Podcasts, YouTube, Spotify

Nobody's going to send you an invoice for being distracted. But research says it takes 23 minutes to fully refocus after a single interruption. Multiply that by a dozen times a day and you're losing hours. Not minutes. Hours. We're more connected than we've ever been and less focused than we've ever been. Ryan unpacks the hidden cost of the thing we've all normalized.In this episode, Ryan challenges you to do an honest audit of where your time is actually going, not where you think it's going. Because distraction doesn't just steal your productivity. It steals your presence. And the people you love deserve more than a distracted version of you.

"I would have called." It's in every comment section, every conversation about the Siders case, every kitchen-table reaction to the news out of Hamden. And the research on actual bystander behavior says it's a lie — not a malicious one, but a lie we tell ourselves about who we are. Psychotherapist Shavaun Scott joins live to close the gap between the person you believe you'd be and the person the data says you'd actually be.Scott walks through the real-time experience of the people around this family. The flicker of concern at the Dollar General register. The half-second of wondering about the house with the air conditioners and no visible children. And then the story the mind supplies — they're probably homeschoolers, someone would have reported it, it's not my place — that lets the moment pass. Multiply that by every person who crossed this family's path over eighteen years, and you get sixteen invisible children.The live conversation takes on the hardest version of the premise: families like this exist everywhere, right now, and the psychology that hid the Siders kids is the same psychology operating on every street. Scott's challenge to the audience is direct — what did you explain away this week?Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#SidersFamily #GarySiders #HiddenKillersLive #TrueCrime #OhioHouseOfHorrors #16KidsOhio #BystanderEffect #SelfDeception #Psychology #VintonCounty

Want to close more deals WITHOUT being limited to your local market? In this episode, we dive deep into how real estate agents can expand globally, unlock new income streams, and build a scalable international business using co-marketing strategies and global partnerships. Learn how top agents are leveraging global real estate marketing, AI tools, and international networks to dramatically increase opportunities—even if you're licensed in just one state or country.    

-FL. Sen. Rick Scott discusses Iran, the Jack Smith hearing and more on "Ed Henry The Big Take." -Dr. Oz and Nick Shirley reveal the latest alleged fraud scheme occurring in NYC, and Lindsay Graham's heart condition. -On "Rob Schmitt Tonight," Bob Brooks and Peter Navarro discuss the United States' conflict with Iran. -Darline Graham Nordone gets sworn in as South Carolina's newest U.S. senator, filling the seat left vacant by her late brother, Sen. Lindsey Graham. -Harvard Professor Alan Dershowitz calls for full transparency regarding the death of Sen. Lindsey Graham on "Bianca Across The Nation." Today's podcast is sponsored by : NOBLE GOLD - Don't wait six months from now wishing you had positioned earlier. Have the conversation now. Schedule a free gold strategy session at http://NobleGoldInvestments.com/NEWSMAX Listen to Newsmax LIVE and see our entire podcast lineup at ⁠http://Newsmax.com/Listen⁠ Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at ⁠http://NewsmaxPlus.com⁠ Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : ⁠http://nws.mx/shop⁠ Follow NEWSMAX on Social Media:  -Facebook: ⁠http://nws.mx/FB⁠  -X/Twitter: ⁠http://nws.mx/twitter⁠ -Instagram: ⁠http://nws.mx/IG⁠ -YouTube: ⁠https://youtube.com/NewsmaxTV⁠ -Rumble: ⁠https://rumble.com/c/NewsmaxTV⁠ -TRUTH Social: ⁠https://truthsocial.com/@NEWSMAX⁠ -GETTR: ⁠https://gettr.com/user/newsmax⁠ -Threads: ⁠http://threads.net/@NEWSMAX⁠  -Telegram: ⁠http://t.me/newsmax⁠  -BlueSky: ⁠https://bsky.app/profile/newsmax.com⁠ -Parler: ⁠http://app.parler.com/newsmax⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Youth ministry is hard work... but it was never meant to depend on one person doing everything. In this episode of Youth Worker On Fire, Doug Edwards shares a practical and biblical challenge for youth pastors, student ministry volunteers, church leaders, and parents: work smarter, not harder, by following Jesus' model of discipleship, delegation, and multiplication. If you are a volunteer youth leader, part-time youth pastor, or full-time student ministry leader, you already know the weight of ministry. The planning, teaching, trips, retreats, mission work, public school outreach, discipleship, counseling, and constant care for students can quickly become overwhelming. But Jesus did not build His ministry around doing everything Himself. He equipped disciples who would carry the mission forward. Doug unpacks key passages including Ephesians 4:12, 2 Timothy 2:2, Mark 3:13-15, and Matthew 28:19-20 to remind leaders that the goal is not simply to build bigger programs - it is to make disciples who make disciples. In this episode, you'll be encouraged to: • Stop carrying the entire ministry alone • Equip volunteers and students to do the work of ministry • Build a student ministry that can continue without depending only on you • Follow Jesus' model of investing deeply in a few to reach many • Delegate with purpose instead of guilt • Avoid burnout through sustainable leadership • Create disciple makers, not just event attenders Doug also shares how a forced sabbatical helped him realize he had waited too long to delegate and trust others with ministry responsibility. The question every youth pastor and ministry leader should ask is: If you disappeared for six months, would the ministry stop or would it continue because you developed disciple makers? Working harder may increase what you can accomplish. Equipping others increases what God can accomplish through His people. Disciple. Delegate. Multiply. Listen to more episodes from the Youth Worker On Fire Podcast here: https://bit.ly/3saDyYq _________________________________________________________________________________

Brock Johnson has posted on Instagram for more than 1,800 consecutive days, and in this episode, he shares the exact AI system he wishes he had from day one. He breaks down his RAMP framework — Research, Assemble, Multiply, Process — and explains how to use Claude, Claude Code, and Claude Cowork to build an Instagram workflow that runs almost entirely on autopilot. The episode covers seven of the biggest content creation challenges: not knowing what to post, writing weak hooks, filming inefficiently, constantly task switching, ignoring carousels, failing to schedule content, and not understanding why posts succeed or fail. For each challenge, Brock demonstrates the automation he recommends, from generating weekly research summaries based on saved posts and favorite accounts, to testing scripts with a "would this make sense to a stranger?" filter, to using Claude as a virtual director that creates optimized shot lists for filming. He also explains how Canva templates combined with Claude Cowork can transform existing Reels into carousels, how Claude Cowork can automatically schedule posts in Metricool based on custom rules, and how his own system keeps more than 150 Instagram posts scheduled up to six months in advance. Toward the end of the episode, Brock shows how Claude Code can build dashboards that analyze content performance and uncover trends creators often miss. One of the biggest takeaways is that no coding experience is required. Instead of writing code, creators simply describe the workflow they want, and Claude Cowork handles the technical implementation. The episode wraps up with a challenge to build one automation using the RAMP framework, along with an invitation to Brock's end-of-July webinar series that teaches how to grow on Instagram in less than 15 minutes a day. Watch On YouTube 

PHP Podcast – July 9, 2026 Hosts: Eric Van Johnson & John Congdon | Guest: Holly Schilling A PHP RFC for extension methods that PHP definitely should have had by now. Holly Schilling, Uninvited but Welcome Holly was originally just planning to heckle from the Discord chat room. She had about 45 minutes’ notice before the show that she’d be on camera instead, which she took in stride — minus the PHP swag shirt she would have worn if she’d known. Eric is happy to hand her the show; she’s been in the backstage feed and notes that the zero-latency view means she actually gets the jokes, unlike the 3–5 second delay that makes jokes land after everyone’s moved on. PHP Tek 2027 CFP: Now Open The call for papers for PHP Tek 2027 is open, and the deadline is end of August. This year, PHP Tek is doing three tracks: two traditional PHP-focused tracks and a third rotating track that will change each day — one day dedicated to AI talks, one to Laravel talks, one to DevOps talks. The goal is to get submissions in and the schedule published early enough that attendees can put it in their budget before their fiscal year closes. Holly (who now manages the submission review) has a note for repeat submitters: if your talk was accepted and given at a previous PHP Tek, don’t submit it again. Also: bot submissions from automated systems that spam every CFP in SessionEyes are a real problem, and Holly’s job is to filter them out before the blind evaluation round begins. The evaluation process is designed to keep Eric and John out of the loop until after the first pass — so they can’t accidentally influence votes for speakers they already like. PHP Tek 2027 Hotel + Conference Bundle Brief reprise from last week: the hotel and conference bundle is available at phptek.io — one price that includes your conference pass, hotel nights, and conference lunches and breakfasts, designed to make the ask to a manager or CFO as simple as possible. Eric is working on a short video to explain it rather than just dumping pricing on the homepage. Joe Ferguson at Merge PHP — Today Joe Ferguson — PHP Architect team member and co-release manager of PHP 8.6 — is presenting at Merge PHP immediately after this podcast wraps. His talk: “Ansible for PHP Developers: Configure, Deploy, and Update Your Infrastructure.” Eric was trying to reach Joe for an hour before the show (Joe was apparently already in the Merge PHP stream watching the podcast). If you’re listening after the fact, the recording may be available. Holly’s RFC: Class Extension Methods Holly has spent the past week doing a caffeine-fueled deep dive into PHP internals C code and has come out the other side with a draft RFC and working proof-of-concept code for class extension methods — a feature she kept assuming PHP had, tried to write, and found didn’t exist. The idea: you can add methods to an existing class without subclassing it. Swift has this, Kotlin has it, C# has it. The canonical PHP example is something like adding isWeekday() or isWeekend() to DateTimeImmutable — you get to call it as an instance method on the native class, not on a subclass you’d have to propagate everywhere. Under the hood it’s syntactic sugar: the implementation in C# is a static method with the class passed as the first parameter, and Holly is taking a similar approach. No performance penalty — a few people have already tested it. Early concern about performance impact has not materialized. The feature naturally extends to scalar methods, which Laracon’s Levi Koop and others have discussed: the ability to write $str->length() instead of strlen($str). This part is harder because $this in PHP must always be an object, so scalars need special hooks to work as receivers. That complexity is why Holly broke the implementation into three phases. She has posted GitHub Gists rather than a formal PHP wiki RFC so far — she submitted for a wiki account yesterday and is waiting to hear back. Outlook has been eating her PHP internals mailing list emails (treating new posters as spam), so she’s in the process of switching to a new email address. Joe Ferguson is in the chat offering to help expedite the wiki account. Feedback is coming in, changes are being made, and this is moving toward a formal RFC. Holly’s motivation is pure: she built this for herself because she needed it. Eric quoted himself from the “PHP Ugly Days” era, telling the community that if there’s a feature you want and nobody’s building it, it’s on you. Holly has resented and credited that line in equal measure ever since. NativePHP Mobile: Holly Is Building the Longhorn App Holly has started building a conference app for Longhorn PHP using NativePHP Mobile. Eric’s reaction ranges between excitement (someone’s doing it!) and mild betrayal (it’s not for PHP Tek). Holly also submitted a talk to Longhorn PHP about what actually distinguishes a real native mobile app from a website wrapped in an app shell — and the answer isn’t the language, the transitions, or the scroll animations. It’s state management. Native apps treat the local device copy as authoritative or at minimum authoritative enough that you’re not reaching the server for every interaction. Web apps don’t do this; native apps have to. Holly has real-world context here: one of her earlier jobs was building the Chicago Sun-Times native app and then white-labeling it for 70+ publications across the country. She says she’d never do that again. Every single publication has brand style guidelines, logo clearance zones, and color adjacency rules. Multiply that by 70 and you start to understand why white-labeling at scale is a nightmare. Longhorn PHP CFP — Closes Tomorrow The call for papers for Longhorn PHP is open through tomorrow night (July 10). It had been briefly reported as closed last week; it got extended. If you want to speak at Longhorn, head to cfp.longhornphp.com now. The conference is in Austin at the Holiday Inn. WordPress: Stewardship, Backward Compatibility, and the Laravel Fork Question Holly’s experience white-labeling apps prompted a broader conversation about WordPress — specifically a genuine acknowledgment of how technically impressive it is that a WordPress installation can look completely different from any other, at the scale WordPress operates. Eric respects the technical accomplishment but has longstanding criticism of how WordPress positioned itself in relation to the PHP community. His view: WordPress was the Laravel of its day, arguably the thing that kept PHP relevant for a decade. But rather than leaning into the broader PHP ecosystem and pushing the language forward from the inside — the way Facebook tried to (even if it eventually forked into HHVM/Hack) — WordPress was laser-focused on backwards compatibility. The result was that PHP internals couldn’t move as fast as it might have because WordPress’s enormous install base created a de facto veto on any change that would have required sites to update. Holly pushed back gently: WordPress’s backwards compatibility constraint wasn’t really a choice they could have made differently given the scale of self-hosted installs and third-party plugins. Eric acknowledges the constraint while still wishing they’d engaged more with internals. The Hack language comes up as a counterpoint: HHVM/Hack, whatever its ultimate fate, was the provocation that woke up PHP internals. PHP 7’s massive performance improvements and modern type system features largely came out of internals saying “Hack has a point, let’s do this properly.” Almost every good idea from Hack eventually got ported into PHP. Eric’s darker hypothetical: if Laravel today had an existential need for a PHP feature that internals kept rejecting, and Taylor Otwell forked PHP — that could be a genuine death blow to the ecosystem. Holly thinks the community would survive; Eric thinks the math on maintaining a language fork is nastier than it looks. Composer, Supply Chain Security, and the 48-Hour Question A viewer asked whether Composer has a way to skip packages released in the last 48 hours when running an update — the motivation being supply chain attacks, where a compromised package gets published and immediately picked up by the next composer update run. Eric’s short answer: not natively, and the real mitigation is to not run composer update blindly. Holly points out the harder version of this problem: languages like Swift allow pre-compiled binary packages, which are far scarier than source packages because you can’t even do a code review. Eric mentions that Packagist and Composer have been doing real work on supply chain integrity (covered on the show a few weeks back). If you want the deeper treatment, Eric Mann’s upcoming Security Corner column in the July issue of PHP Architect covers exactly this — Composer and the PHP supply chain. Look for it in the next few weeks. Eric’s Laptop Saga, Chapter N The new “clean install” MacBook Pro that Eric has been using to solve his connectivity issues dropped partway through the show. Eric switched to his older laptop (which was still running and still connected), but couldn’t get his camera to re-appear in the stream source list, couldn’t add himself back, and eventually gave up and wrapped up audio-only. John and Holly carried the last few minutes. The older laptop that never dropped is now, apparently, the better one. Eric is running out of explanations and considering a career in farming. Links from the show: PHP Tek 2027: Call for Speakers @ Sessionize.com PHP RFC: Extension Methods · GitHub PHP RFC: Scalar Extension Methods · GitHub php-rfc_Extensions+Visibility.md · GitHub Longhorn PHP Conference 2026 Host: Eric Van Johnson X: @shocm Mastodon: @eric@phparch.social Bluesky: @ericvanjohnson.bsky.social PHPArch.me: @eric John Congdon X: @johncongdon Mastodon: @john@phparch.social Bluesky: @johncongdon.bsky.social PHPArch.me: @john Guest: Holly Schilling PHP internals contributor; author of the Surfaces RFC and now Class Extensions RFC Primary mobile developer; built the PHP Tek 2026 conference app; building the Longhorn PHP app in NativePHP Mobile Based near Chicago, IL Streams: Youtube Channel Twitch Connect & Hire PHP Architect Website Twitter/X Mastodon Hire PHP Developers Looking to hire PHP developers? Email support@phparch.com – Joe and the team are available for consulting, infrastructure work, Ansible playbooks, and code review. Partner This podcast is made a little better thanks to our partners Displace Infrastructure Management, Simplified Automate Kubernetes deployments across any cloud provider or bare metal with a single command. Deploy, manage, and scale your infrastructure with ease. https://displace.tech/ OurCVEs Your security posture, on autopilot with OurCVEs CodeRabbit Cut code review time & bugs in half instantly with CodeRabbit. Music Provided by Epidemic Sound https://www.epidemicsound.com/ Join Us Live Next Week Youtube Channel The post The PHP Podcast 2026.07.09 appeared first on PHP Architect.

Welcome back to another episode of the unSeminary podcast. Today we're joined by Dave Ferguson, co-founder of Exponential, co-founder of Community Christian Church, and author of Multiplier: How Healthy Leaders Create Lasting Impact. For decades, Dave has championed one central conviction: the Church will never fulfill its mission through addition alone. In this conversation, he challenges church leaders to rethink success, embrace multiplication, and cultivate the kind of personal health that sustains lasting kingdom impact. Are you building a church that grows, or a movement that multiplies? Wondering how your leadership today shapes generations of ministry tomorrow? Dave offers a compelling vision for creating influence that extends far beyond your own church. Multiplication changes everything. // Dave believes many church leaders are asking the wrong question. Instead of waking up each day asking, “How can I grow my church?” he challenges leaders to ask, “How can we multiply God's Kingdom?” That subtle shift transforms every leadership decision, from staffing and budgeting to leadership development and church planting. Growth focuses on adding people to one church. Multiplication focuses on reproducing disciples, leaders, churches, and networks that reach beyond one church long after the original leader steps away. The Church needs a new scorecard. // Only a small percentage of churches in the United States are actively reproducing new churches. Through Exponential’s “16% Mission,” the goal is to move enough churches toward multiplication that reproducing churches become the cultural norm rather than the exception. Reaching this tipping point would fundamentally reshape how churches think about mission and influence. Culture beats strategy every time. // Multiplication doesn’t begin with a sermon series or a strategic initiative—it begins with culture. Dave encourages leaders to model multiplication long before they publicly announce it. Whether leading a small group, mentoring an apprentice, or developing future leaders, pastors must demonstrate the behaviors they hope to reproduce. People adopt what leaders consistently practice far more readily than what they merely promote. Health fuels multiplication—not hustle. // While multiplication requires intentional effort, Dave warns against building ministry on relentless hustle. Instead, healthy multiplication grows out of healthy leaders. Churches don’t simply reproduce strategies. They reproduce the character, priorities, and habits of their leaders. If leaders neglect their own well-being, they will unintentionally reproduce that same dysfunction throughout the organization. Watch the four gauges. // At the heart of Dave’s new book, Multiplier: How Healthy Leaders Create Lasting Impact, is a simple daily framework for preventing leadership drift. He encourages leaders to evaluate four areas every day: relational health, physical health, mental health, and spiritual health. By honestly assessing these four “gauges,” leaders can recognize unhealthy patterns before they become major failures. Rather than waking up years later wondering how they drifted so far, leaders make small course corrections every day. Even better, Dave encourages processing these areas with trusted community, since accountability helps combat self-deception. Think beyond your lifetime. // Ultimately, Dave invites leaders to adopt a longer horizon for ministry. Buildings, attendance, and personal accomplishments eventually fade, but investing in people creates lasting kingdom influence. When leaders intentionally multiply healthy disciples and healthy leaders, their ministry continues bearing fruit long after they’re gone. That, Dave believes, is the kind of legacy worth pursuing. To learn more about Dave Ferguson, Exponential, and his new book Multiplier: How Healthy Leaders Create Lasting Impact, visit exponential.org/multiplier or daveferguson.org. Email Dave directly to get bulk copies of his book. Thank You for Tuning In! There are a lot of podcasts you could be tuning into today, but you chose unSeminary, and I'm grateful for that. If you enjoyed today's show, please share it by using the social media buttons you see at the left hand side of this page. Also, kindly consider taking the 60-seconds it takes to leave an honest review and rating for the podcast on iTunes, they're extremely helpful when it comes to the ranking of the show and you can bet that I read every single one of them personally! Episode Transcript Rich Birch — Hey friends, welcome to the unSeminary podcast. So glad that you have decided to tune in. You’re in for a real treat today. Today is a leader, you know, you have those leaders in your life. You’re like, man, I wish everybody could be exposed to this person and would follow along. And you feel like you’re introducing a friend to friends. That’s what today’s conversation is. And I hope at the same time, it’ll challenge you and encourage you as we think about the future. Rich Birch — Excited to have Dave Ferguson back on the podcast from Exponential. It is a growing community of leaders committed to accelerating multiplication of healthy, reproducing faith communities. They equip multipliers through a variety of resources. You might know their big event, Exponential, but that’s not all they do. They do a lot of other stuff as well.Rich Birch — Dave also was the co-founder of Community Christian in Chicagoland and New Thing. We actually had Ted on recently for a follow-up episode, which is fantastic. So these will this will come out at a similar time. Dave also wrote a book recently that I want you to pick up. It’s called Multiplier: How Healthy Leaders Create Lasting Impact. Dave, welcome to the show.Dave Ferguson — Hey, thanks, Rich. Good to be with you. Rich Birch — Yeah, so glad you’re you’re here. Why don’t you fill in the story for folks that don’t know or maybe aren’t following along. Maybe give us fill out the bio a little bit. Tell us a little bit about your background.Dave Ferguson — Long story short yeah, in my early mid-20s I planted a church in Chicago with a whole bunch of friends. God was very very kind to it; it grew had pretty large, and we had locations across the city and the suburbs. Out of that, then we started planting churches. Our first one was in Denver, then Southern California, and then Detroit, then New York, then Boston. And pretty soon we made a shift that we went from not only reproducing new churches, but helping reproduce networks of new churches. And that turned out to be a bigger deal than and we realized.Dave Ferguson — And we got opportunities then to do that in Europe and then in Africa. And next thing you know, fast forward 15, 20 years, and we were in 69 countries. And this will sound better than it is, but we got to help plant over 35,000 churches. Rich Birch — Yeah, it’s incredible. Dave Ferguson — And at the same time, we also started Exponential. And so all three of those things had seemed to have God’s favor on it, grew. And in the last year, I apprenticed a new lead pastor, Ted Coniaris, that you referenced, who is, I guess, recently on the podcast… Rich Birch — Yes, yes. Dave Ferguson — …and who’s doing a great job at Community.Dave Ferguson — And then then on top of that, we moved New Thing underneath Exponential. So Exponential actually acquired New Thing. And for us, that feels really good. It was pretty, pretty easy transition, but feels really good because we have something we call the 16% mission that we’re going after. And it’s starting to feel actually achievable now. Rich Birch — Yeah, it’s so cool. Dave Ferguson — So I think I think that’s all that’s all the things.Rich Birch — Yeah, that’s that’s it. Just that’s it. Yeah, that’s amazing. It’s so good. And, you know, there’s a lot I respect about you and your leadership. But one of the core things I love is you’ve really given your life to multiplication. You’re focused on this idea, helping us think about and then really in the best sort of way, poking and prodding and pushing us to come back to this idea. Rich Birch — I think for many of us, the word multiplication is the kind of thing we can hear it so many times. We can kind of tune it out or it like, what does that actually mean? Aren’t we all committed to multiplication? Isn’t it, isn’t that just what it means? So why does it still matter to the church today? Really lay it on thick here. Why is multiplication such a big deal?Dave Ferguson — Yeah. I mean, two things real quick. I mean, one for every one of your listeners, if they’re involved in ministry, I mean, they want, they they’re trading their life and they want to make the greatest impact they can. And I’m telling you, when you don’t invest in multiplication, you’re short selling yourself. You’re not going to, you’re not going to get to make the kind of impact that God intended for you to, or you possibly could.Dave Ferguson — So, I mean, Let me give you a quick example, so it becomes real tangible.Dave Ferguson — So two weeks ago, I was in Long Beach, California, and I ran into Matt Larson. Matt’s a guy who did a leadership residency with us probably, man, it’s been a long time ago now, 15 years ago. So he basically came, spent a year with us at Community, really sharp leader, but he didn’t really understand how to multiply. And we kind of helped him understand how to do that. Dave Ferguson — So he does that, goes back to Ventura, California, plants Anthem Church, and they’ve planted 15 churches. Rich Birch — Wow. Wow. Dave Ferguson — So think about this and this this. And I don’t know how you keep score, but this is how I keep score with my own, how am I making a difference?Rich Birch — Yes.Dave Ferguson — So like even like if I’m taking a day off in Chicago… Rich Birch — Right. Dave Ferguson — …Matt’s still working in Ventura, California, and he’s planting churches. Rich Birch — Right. Amazing.Dave Ferguson — And I, you know, you’ve heard me probably say like my favorite quote from Bob Buford, my fruit grows in other people’s trees.Dave Ferguson — That’s what multiplication does. Rich Birch — So good.Dave Ferguson — Instead of just having one tree, you get a whole orchard. Dave Ferguson — Or Troy McMahon, who’s one of my best friends.Dave Ferguson — My wife’s getting ready to go to Kansas City to see his wife in just a few hours here.Dave Ferguson — And I mean, again, probably 15 years ago, they took 25 people who moved from Chicago to Kansas City. We blessed them and sent them with some money. They’ve gone to multiple locations.Dave Ferguson — They’ve started four networks there in Kansas City and have probably planted somewhere between 60 and 70 churches.Rich Birch — Yeah, it’s amazing.Dave Ferguson — I mean, again, if I can say it this way, like I count that.Rich Birch — Yes, yes.Dave Ferguson — I’m just telling people. So if you just want to kind of focus on just your thing, you will never, ever make the kind of impact you can if you invest in multiplication of multiplying other leaders.Rich Birch — Yeah. Dave Ferguson — And the other thing, so one, it’s in your best interest because you got this game not to make money. None of us are making any money, right?Rich Birch — Right. Sure. Yes, yes.Dave Ferguson — You got this game because you’re like, this is the best way I can make a difference. And if you’re not doing multiplication, you’re short selling yourself.Dave Ferguson — But let me add one more thing.Rich Birch — Yep.Dave Ferguson — It’s also how the mission gets accomplished. I mean, if you went into Acts 1:8, Jerusalem, Judea, Samaria, ends of the earth, and Jesus said, okay, here four more guys.Dave Ferguson — Last time, before I leave, i want to shoot here’s here’s the mission, Jerusalem, Judea, Samaria, ends of the earth. The only way that that’s going to happen is if there’s a movement, and movement does not happen unless there’s multiplication.Rich Birch — Yeah, that’s so good. Yeah, and there’s, ah you know, one of the things I appreciate about kind of the the you and the broader exponential movement, I think you’ve helped really sharpen this conversation, tighten this up and get clarity for us, which I think is is positive.Rich Birch — And, you know, I bump into a lot of churches that are struggling, a lot of teams that are struggling with getting their their staff to be Ephesians 4 type people, people that are equipping others, that are multiplying others, that they, and there’s an interesting connection between these two, right? Somewhere we thought, oh, you could reach a bunch of people, but not actually equip anyone, which is so strange, right? It’s a strange, and actually there’s only a tiny fraction of churches that are actually multiplying today.Rich Birch — Most are only doing addition. I think this this thinking is one of the ways I think you’ve helped us sharpen this up. Why do you think that math is so stuck and kind of unpack that, help us understand, you know, the kind of the problem we’re trying to attack here.Dave Ferguson — Yeah. I think one of the things you’re referencing, so I casually talked about the 16% mission. Let me back up.Dave Ferguson — We want to see 16%, and I know your audience is bigger than the United States, but in the U.S., that’s where our exponential U.S.’s focus is. We want to see 16% of all churches in the U.S. become reproducing or multiplying churches. And that means that they’ve ever planted a church in the last three years.Dave Ferguson — When we first did the homework on this, it’s only about 4%. Now we’ve moved the needle in the last 10 years to 7%. Rich Birch — Amazing.Dave Ferguson — We think in the next five years, we can get to 10%. In the next 10 years, we can get to 16%. And 16% is kind of that tipping point. Where the of that tipping point, you get the right innovators and early adopters. They will convince the whole that this should be normative.Dave Ferguson — And that’s what we’re trying to do. So with that in mind, you’re right. So we’re still only at 7%. And I think the biggest… we’re stuck we’re stuck in an existing paradigm. We’re like fish swimming in water that um we think the best that we can do is grow a church. And I And I think candidly, here’s how I’d frame it up. I think most leaders wake up every morning asking the question, how can can grow my church?Rich Birch — Right.Dave Ferguson — How can I grow my church? And that’s a good question, but it’s not a great question. It’s not an Acts 1:8 question.Rich Birch — Right. Right.Dave Ferguson — It’s not the kind of question going allow you to maximize your impact, you know, where you’re sleeping in on a Saturday you’ve got a guy in Kansas City and you’ve got a guy in Southern California who’s planting churches. Okay.Rich Birch — Yeah, that’s good.Dave Ferguson — A better question is how do we multiply God’s kingdom? Rich Birch — So good.Dave Ferguson — And if and if we could get if we could get leaders to wake up every morning asking that question. Okay, and again, I and versus we, because it’s going to take us working together, not just grow, like addition, but actually multiply, multiplication, and not just my church, but actually God’s kingdom.Dave Ferguson — I mean, it’s going to make a huge difference in the kingdom. And I think, so when you get stuck in that kind of addition, like how do I grow my church, it impacts decisions you make about money… Rich Birch — Yep. Dave Ferguson — …because you’re going to go, oh, I need to keep that here. So we can you know add another you know and add another wing to our building versus like, oh, guess what? Maybe if I so if i sent that money to you know this church plant, it’s going to result in 70 churches in Kansas City.Dave Ferguson — I mean, it’s highly leveraged like venture spiritual venture capital is what it is. Rich Birch — Yeah. Dave Ferguson — It implements the decisions we make about staff. You know, we want to hold on to our best staff instead of developing them. And then some of them who actually have the capability of starting other churches and even networks, blessing them and sending them out and going like, yeah, I’m a spiritual father and these are my kids. I’m cheering them on. Dave Ferguson — So I think that’s that’s, we’re kind of stuck in this paradigm and it’s not a biblical one, but it is a paradigm that we’re stuck in.Rich Birch — Yeah. I love that. And, you know, I’ve similarly been with a lot of leadership teams where we’re in the kind of growth conversation. And I’ll come at that from ah kind of the almost the opposite end, but you end in the same place, which you end up saying, like, this box is not big enough to contain the number of people that your church is hoping to reach.Rich Birch — Like we can’t build a box big enough to do that.Rich Birch — I don’t care how much money, I don’t care how good you are at fundraising, you can’t do that. So we have to multiply. If you really think that we are trying to reach and make an impact in our community, if there’s so many churches say, we’re for whatever city we’re in, we’re for Chicago, we’re for whatever.Rich Birch — If you’re really for that, then you have to be by definition for multiplication and for other churches and for seeing, you know, this thing multiplying out. We can’t, we can’t get them all to come here. That’s never going to work. That’s just, it doesn’t work at all.Dave Ferguson — And here’s thing you can, though, do. I mean, you’re right. If it’s just about their butts in your seats, whatever. But if it’s about you bringing them and equipping them and then sending them out, oh, that’s highly leveraged. And that could be a really good use of a building or facility.Rich Birch — Right, right. Yeah, absolutely. That’s good. So, so much of this conversation, you know, I want to tap in your expertise. We’ve got a lot of lot of executive pastors listening in. You know, you have been in the one of the multiple seats you’ve sat in has been the kind of lead pastor seat. And let’s talk to some XPs from your perspective as as a you know a lead pastor around this area.Dave Ferguson — Oh, good. Those are the people actually the stuff done. They’re not just the top. These are the executors.Rich Birch — But let’s let’s think that through. So vision isn’t just about getting up on Sunday and preaching about it. You’ve actually led organizations that have done this stuff. And you know you’ve you’ve cast a compelling vision, but then have seen the organizations actually go out and make this stuff happen. So we think about it from our seat as an executive pastor. What is the executive pastor? Where do we actually come into play in this thing? What’s our piece of the puzzle? How can we help kind of move this thing forward at an operational level? You you named a couple of things, money, staffing. Help us think through that.Dave Ferguson — and And the assumption here is, okay, so the lead pastor is pro-multiplication, and now you have to execute the vision.Rich Birch — Yeah.Dave Ferguson — I I think one of the things, grab a hold of how do we create ah a multiplication culture? Because if you can create a multiplication in culture, you will literally become, people in your church will become unconsciously competent.Dave Ferguson — I’m thinking of a real quick story. A friend of mine named Doug. Doug was a guy who was nominally involved at Community. All right. Long story short, only because his wife insisted he joined a small group that Sue and I were leading. Now I didn’t have an apprentice leader in that small group, which is which is not good, okay? That’s how you don’t create a culture.Dave Ferguson — But we went through six weeks and I went up to Doug and I said, I told him, I said, hey… And actually said in front of the whole group because he’s the kind of guy I could do this to. I said, hey, I know this group would like to continue, but we can’t continue unless we have an apprentice leader.Rich Birch — Nice.Dave Ferguson — And I said, Doug, will you be my apprentice leader?Rich Birch — That’s great. Dave Ferguson — He’s kind of like you. Rich Birch — Yeah. Dave Ferguson — Big guy with a bald head. Beads his sweat or popping on top of his head. He says, all right, I’ll do it, I’ll do it, I’ll do it. Rich Birch — Right. Dave Ferguson — So he he agrees to be my apprentice leader. So I start meeting with him because the group was on Wednesdays. I’d meet with him on Tuesdays at Starbucks around 4 o’clock as he’d finish up work. And we’d kind of…And I remember his first question to me was like, hey, so if I’m going to be an apprentice leader, I should read the Bible, I guess, right?Dave Ferguson — I’m like, yeah, you probably should.Rich Birch — Yes, it’s a good starting point.Dave Ferguson — And so I told him how I how I do it. But over the course of the next 14 months or so, um you know, I basically apprenticed him through what we call the the five steps.Dave Ferguson — And here’s here’s the fun part of this story. OK, so Doug didn’t have much of a church background.Dave Ferguson — So he gets to the place where he thinks he’s ready to lead a group. And I think he’s ready, which people ask me a lot. how do you know when a leader is ready? I think it’s really that it’s that simple when they think they’re ready and you think they’re ready, they’re ready. And so I said, okay, why don’t you take over this group? It’ll be easy for me to go start a new group. You take… And he he said, okay. Dave Ferguson — I come back, like two or three weeks later, to Starbucks on Tuesday at 4 o’clock, sitting at the exact same table where we would always sit was Doug and his brand new apprentice, Tim.Rich Birch — Love it.Dave Ferguson — And so Doug was like unconsciously competent. He was like, oh, I thought I thought every church in America did that. I thought that’s how it works. I didn’t know I had a choice.Rich Birch — Yes, yes.Dave Ferguson — And if you create a culture of multiplication, that’s what will happen over and over and over again.Rich Birch — Yeah, I love that. Well, and and yeah, what a vivid picture. And, you know, we’ve got to move our our people and our systems towards, you know, continuing to multiply at every level. When you think about a church that’s stuck and it maybe is is just focusing on addition. They’re really in that, but they they have a desire to want to multiply.Rich Birch — Is your recommendation, or maybe what you’ve seen happen, the churches that have actually made that pivot towards multiplication, is it like a ground up thing? Like we start with, man, we’ve got to get all of our, you know, all of our team leaders get an apprentice, let’s go there. And then we’ll trickle up through the organization, which then leads to the conclusion. Oh, by the way, we’re going to have to, we’re going to multiply because we’ve kind of built this culture.Rich Birch — Or, is it better to go or or maybe there’s advantages to go one way or the other from the kind of the, hey, we’re going to declare this and that’s going to kind of pull us towards multiplication. Do you understand what I’m saying? Ground up or we cast a vision to pull towards it.Dave Ferguson — Yeah. And creating the culture.Rich Birch — Yeah, yeah. In creating the culture, yeah.Dave Ferguson — If you haven’t, if you, if you don’t currently have that kind of culture, here’s what I would encourage leaders to do. I do think it does start at the top with like the lead pastor and the executive pastor.Dave Ferguson — And I encourage leaders at every level. I said, lead at the smallest level of your organization and lead at the largest level and you train and trust everybody in between.Rich Birch — Oh, that’s good. That’s good.Dave Ferguson — You want, and so for, I mean, all, whatever it was, 30 some years at Community, I always led a small group and I tried to always have an apprentice leader. So you need to do that.Rich Birch — Right.Dave Ferguson — And if you can get, okay. And I think there was a moment where you declare, Hey, this is who we are. And you need to decide if you want to buy in or not. You’re firm, but kind about that. Rich Birch — Yep.Dave Ferguson — And if you can get all of your staff, plus all the people that you consider as leaders and key influencers, which is probably somewhere around 16 to 20% of your total church. You get them bought into it.Dave Ferguson — Once you get them bought into it, and it’ll probably take you a year and they’re actually doing this stuff. Then you preach a sermon on it. Then you start casting vision on it. Then you declare it for the whole, because what will happen is that, again, kind of back to that innovators and early adopters. When they’re in the lobby and somebody comes them and goes like, hey, what do you think about this idea of apprenticeship? And we’re all going to have apprentices or multiply. They’ll already have been done it. They’ll have done it for a year.Dave Ferguson — And they’ll be like, oh, yeah, I think this is awesome. And that’s exactly what you want.Rich Birch — Right.Dave Ferguson — Does that make sense? Rich Birch — Yeah, it makes total sense. Yeah. And even what you’re doing.Dave Ferguson — I guess I’m questioning if you’re ready to make that shift, I wouldn’t preach a sermon on it first, because what they’re going to do is if you’re preaching a sermon on it and you’re not doing this stuff, what happens is you implicitly and almost accidentally create a culture that says, oh, I don’t actually have to do this stuff because the guy who’s casting the vision only talks about it and doesn’t actually do it. And so you create that culture, which is what we have a lot of.Rich Birch — Yeah, yeah, I for sure I’ve seen a lot of that in, you know, in the churches I’ve been a part of, even with stuff like ah the fact that you, you know, were leading in a group, you know, I’ve I’ve seen a number, not necessarily the lead pastors I’ve worked for, but in churches where there’s like the lead pastor, they like elevate themselves out of that kind of thing. And they’re like Oh, I don’t need to interact with normal people. And, and that comes out, you know, I’ve, cause I’ve said it all the time to lead pastors. I’m like, even simply like, I would way rather you that just leak out of you that you’re, that you’re apprenticing a leader in a small group.Rich Birch — Then, then we have some big thing on why apprenticing is important because people will catch the the small little things, the little breadcrumbs here and there. They’ll catch that at a more powerful level than the big, let’s put a, let’s get a brand name, stick it on a wall, you know, kind of thing. That’s cool. That’s great.Dave Ferguson — It’ll but end up in your sermons, it’ll end sidebars, hallway conversations. Here’s one of my favorite examples. You know, Nicky Gumbel, right?Rich Birch — Yeah, absolutely. Yeah.Dave Ferguson — So Nicky’s the guy who previously was the vicar at Holy Trinity Brompton. He was really the guy who kind of really brought out Alpha… Rich Birch — Yeah. Dave Ferguson — …which you might say is, I mean, right there with Billy Graham and the Apostle Paul… Rich Birch — Yeah, Oh, absolutely. 100%. Dave Ferguson — …greatest evangelistic tools that we’ve ever had.Rich Birch — Yes. 100%.Dave Ferguson — One of the things I love about Nicky is I don’t know how exactly how many years, it’s probably been 40 years. Every semester for 40 years, he always leads an Alpha course.Rich Birch — Yes. Yes.Dave Ferguson — There’s a reason they have such a strong culture and so powerful. Rich Birch — Yes.Dave Ferguson — And that’s a big mistake. I mean, I think as, you know, we’ve planted church and starts to grow. And we’re trying to figure out, what can I do and what shouldn’t I do? And one of the first things that goes, oh well, I just won’t lead a small group anymore. I won’t lead a missional community anymore. Whatever is that smallest organizing principle is, you want to hold on to that. Train and trust everybody else to do everything in between. Rich Birch — That’s very good.Dave Ferguson — And as you continue to grow and scale, yeah, influence way out there. But but Ii’ll hold on to this too.Rich Birch — Yeah, continuing to shout out Nikki, I just think the world of Alpha… Dave Ferguson — I do too. Rich Birch — …and it’s been so effective for our our church. And I had an opportunity to interact with him right in the teeth of COVID. I was doing an interview with him. And he, we were talking about some stuff and i it really marked, it was one of those like you lean forward and you’re like, okay, that’s interesting.Rich Birch — He was talking about how he’s like, you know, for years, the meal is a big deal for for Alpha and like, you know, hospitality is a big deal for that. And he said, I was always critical of people that did Alpha online. He’s like, I was always critical of people doing it over Zoom and was like, I would say you can’t do it over Zoom. You can’t do it over Zoom.Rich Birch — And he said, obviously people did it over Zoom and I wasn’t stopping them, but I was, I poo-pooed it. Well, then well then COVID came. And he said exactly what you said. I’m still leading alpha courses and our Apha groups. And so I’m in an Alpha group. And what do you know? This is amazing. God works through this. Rich Birch — And so I was really struck by that, that he as a leader would have the humility to say, hey, I was wrong, but I’m enough in the weeds of this thing to understand, okay, what are the actual implications for our ministry? I think that’s a huge lesson for us to pull away.Dave Ferguson — Well, I mean, two things…Rich Birch — And yeah, I think it’s 35 million people they put through that. Yeah.Dave Ferguson — My thought is two things. One, is I remember that podcast. So thank you very much. I remember going, listening to him. And and and excuse me. And it shaped a lot of the ways I even thought about COVID from hearing from him on that.Dave Ferguson — But I think I think this the second thing is, I think what you were kind of replying to, you have to be in the weeds… Rich Birch — Yes. Dave Ferguson — …in order to know how the next innovation is going to happen. I mean, if if he wasn’t doing that, he would have kept with his assumption, no, it’s not going to work and maybe made a lot of bad choices.Rich Birch — Right, right. And we would end up in ah yeah and a very tough spot today. In a lot of ways, that that ministry continues to accelerate… Dave Ferguson — Oh, yeah. Rich Birch — …or that movement really continues to accelerate ah you know in these years, which is amazing.Rich Birch — So one of the things let’s talk about, so one of the things I’ve heard you say is that you really build the case that multiplication has to be built on health, not on hustle. And you know there was a previous generation that was really valued like we wanted leaders. We didn’t want leaders that were burnt out, but we wanted them one step back from being burnt out. We wanted them like right there, right at the line. But what, you know, but I know that’s not what you’re advocating for. But it but I think sometimes our teams, our people, our cultures can look at this and say, this feels like one more thing to do.Rich Birch — So what why does this distinction of health, not hustle, how does that factor in when we’re thinking about actually trying to become a multiplying organization when we’re, you know, we’ve got lots of other stuff to carry as we’re thinking about it. Help us understand that.Dave Ferguson — My experience, particularly working with church planters and other leaders, is they aren’t afraid to hustle. Rich Birch — Right.Dave Ferguson — And in fact, that’s our default position, that I that I will I can maybe outwork the next person. And they’re willing to do it for it for a good cause. But even though we are willing to that, it actually gives us the wrong result. Because if we only hustle more, if only work more, you’re not going to make the impact you could, like I’ve already described, if you’re multiplying more. So I am constantly encouraging leaders, don’t work more, multiply more. Don’t work more, multiply more. And that’s how you make the biggest impact. Dave Ferguson — The other part of that, which is really important, I kind of have a conviction. We knew that we need to try to do the Jesus mission the Jesus way.Rich Birch — Yeah, that’s good.Dave Ferguson — We want to do the Jesus mission, the Jesus way. And I think that has to do with, no, I’m going to try to i’m gonna try to be a great dad. I want to try to be a great husband. I want to try to be a good steward of this body that I have. I want to pay attention to what my thought life, I want to pay attention to my anxiety and and and and levels and and am I feeling depressed? I want to make sure I’m okay spiritually.Dave Ferguson — And I think if we’re doing those kinds of things, we’re checking what I call these four gauges, I think will be healthy leaders.Dave Ferguson — And here’s the axiom that I have kind of led by, especially over the last couple decades, is that you will reproduce who you are and what you do.Rich Birch — Yes. Right.Dave Ferguson — So if if if you want to reproduce unhealth, then be unhealthy. But like if you really want, if you want the, if you want the, the guys in your church to be really good dads. You don’t have to be a perfect dad, but just put in the effort and let them know that you’re also putting in the effort.Rich Birch — Right.Dave Ferguson — If you want to be a you want people to be you know really good spouses, then try to be that yourself. Because you’re going to reproduce who you are and what you do.Rich Birch — Yeah, that’s so good. I really appreciate that you’re you know that you’re pressing on these issues. I think this is a a critical thing you know for us, and particularly as we, you know I’m in a phase of my ministry where looking on to like, okay, how am I handing this stuff off?Rich Birch — What am I doing to try to help the next generation? And man, I would love the next generation to, I think one of the things that particularly Gen Z leaders are attuned to is they seem to be naturally attuned to like, we’re not going to like drive over a cliff for this thing. We want to do this in a healthy manner. Rich Birch — And and you’re not obviously, you know, you’re highly productive. You get a lot done and Exponential is a highly productive organization. You do a lot. But we want to do it—I like that—you were saying, you know, the Jesus mission, in the Jesus way. That’s actually at the heart of your most recent book Multiplier. Rich Birch — You talk, you kind of referenced these four gauges. Can you unpack that a little bit more at a high level? Help us understand what are the four gauges? And what were you hoping with this book? Why, why another book? Why is this one? What are you hoping this accomplishes for churches?Dave Ferguson — I think there’s a lot of great content out there about personal health, emotional health, how to have a rule of life, that kind of stuff. And we and we need to avail ourselves to it. I think there’s also a lot of great stuff and some of it that I’ve helped contribute to around how do you multiply? How do you you know develop leaders? How do you hero making? All that kind of stuff.Dave Ferguson — What I tried to do in this book though is show how those are so interconnected. Rich Birch — Yeah, that’s good. Dave Ferguson — That if you really want to do this for a long time, and that’s how you make the biggest impact, it’s only going to come if you’re a healthy leader, because again, you reproduce who you are.Rich Birch — Yeah, that’s good.Dave Ferguson — And so what we do is we kind of, we, we, we talk about the problem and the problem that all of us face, in the first couple of chapters, is what I call drift.Dave Ferguson — And we drift because…maybe frame it this way. I’ve never had a conversation with a young leader who tells me, hey, 15 years from now, here’s my dream: I hope I’m 50 pounds overweight and divorced and compromising my core convictions.Rich Birch — That’s so true.Dave Ferguson — I’ve never had that conversation. Rich Birch — Right.Dave Ferguson — But we read about it almost every week. And I sometimes share the story. I mean, I was in a small group with some of the most influential pastors, maybe in the world, but definitely in Chicago for about eight or nine years. If I tried to reassemble that group today, half the seats would be empty.Dave Ferguson — And I don’t think it’s, and I think it’s because they, they drifted and they unintentionally ended up someplace they never intended to be.Rich Birch — Right. Right.Rich Birch — Dave Ferguson — They didn’t intend to end up, you know, in a hotel room with a woman that wasn’t plan A, when they planted a church. Rich Birch — Right. Dave Ferguson — Or to create a toxic culture, which really benefited them more than other people i don’t think that was like the, the goal from the very beginning. Does that make sense? Rich Birch — Yeah, absolutely.Dave Ferguson — And I think what happens is we incrementally, we drift a little bit of time until, you know, in a variety of ways, we end up someplace we never intended to be. So one of the things that I do, I’ll I'll just, maybe I’ll show you here too. I know, this is, this is, I’ll just show you. And I don’t, I know we’re not doing anything on video. I don’t think, but this is, this is kind of, this is my journal.Rich Birch — Yeah.Dave Ferguson — Oh, that’s one from like December. Wow. That’s old. There we go. There we go. That’s actually yesterday. And so like, I just write these four letters, RPMS in my journal almost every day.Dave Ferguson — And R stands for relational. How are things with Sue, the kids, my friends?Dave Ferguson — P stands for physical. How am I doing stewarding this body? For me, it’s a trip the fitness center or out running on the prairie path. Dave Ferguson — How am I doing mentally, which has to do with kind of stress or anxiety or thought life?Dave Ferguson — And then how am I doing spiritually? What’s going on between me and God? Dave Ferguson — And then so I just make a little gauge here and I kind of just, where am I? Where am I? And then I actually go ahead and give myself, I like to keep score. If we got executive pastors, they’ll like this. You should keep score.Rich Birch — Yeah, they like numbers. Stuff that ends up on spreadsheets. It’s good.Dave Ferguson — So you can see, like, so I gave myself a score for each of those on a scale of 1 to 10, then a composite, which was 5, which was actually down from 5.25 the day before. And I think that’s because, as you can kind of hear, I got a little bit of a cold, so I’m not feeling well.Dave Ferguson — And, but I, I try to do this every day. And I encourage leaders, those four gauges, relational, physical, mental, spiritual. If you’ll just spend four minutes every day…Rich Birch — That’s so good.Dave Ferguson — …reflecting on those four areas prayerfully, how am I doing relationally? How am I doing physically? How am I doing mentally? How doing spiritually? You’re going to drift. We all drift, but here’s the thing. You’re not going to go a whole month or a whole year or a decade and and suddenly wake up, you know, and someone’s dragging you into court and you’re going like, how in the world did I end up here?Rich Birch — Yeah, I think this is…Dave Ferguson — And so… Rich Birch — Yeah, I would just want to… Dave Ferguson — …it’s hopefully it’s a very, very practical tool for here’s how you can do this every day. And and let me throw this in Rich too, because I want to make sure I hit this. And then if you can do it in community… Rich Birch — Yes. Dave Ferguson — …that’ll way mitigate how much you lie to yourself.Rich Birch — Yes.Dave Ferguson — t’s like if a small group or a missional community every week, just checking in or once a month with another group that you’re you’re working with, I think that if you do that, it’s not foolproof, but it’ll be a big, big, big help.Rich Birch — Yeah. Yeah. The human, uh, human propensity for self-delusion is incredible, right? Like our ability to like become, to lie to ourselves, let alone other people is amazing. You know, I, I want to just honor you for, I think, you know, I, obviously I saw it Exponential this year where you’ve been rolling it out. I’ve, I’ve, I haven’t read the entire book yet, but I’ve read a bunch of it. And I really appreciate that at this phase in your, journey, you’re raising this flag, I think, and connecting it so, you know, integrally to the multiplier, the multiplication mission. I think that is so critically important because we, you know, we’ve seen those leaders who make a series of foolish, unwise decisions that ultimately end up in a tragic spot.Rich Birch — And oftentimes it’s like, I don’t know what to say to people. How do you avoid that? And I like that you have, you’ve put together a framework here to help us think that. Now, as you’ve rolled the book out to folks…Dave Ferguson — How old you how old are you, Rich?Rich Birch — 52.Dave Ferguson — 52. Rich Birch — Yes. Dave Ferguson — Okay. Like, I’m convinced God’s probably got at least another 20 years… Rich Birch — Sure. Dave Ferguson — …you know, and ah and in some ways it’ll probably be your highest impact years.Rich Birch — Yep. Yep.Dave Ferguson — But if one of these gauges goes way south and takes you out, like there’s 20 of the best years of difference-making that we don’t get from Rich Birch. And it’s not just Rich Birch. Every one of the people listening to the podcast. I mean, I think there’s a whole bunch of people that God goes like, no, I got 75 years or 80 years of difference making. And let’s do the whole run.Rich Birch — Yeah. No, I appreciate that. That’s why I think it’s, it’s I'm not doing a good way I’m not doing a good job articulating. I think it’s a gift that you’ve given to the church because you’re helping us actually attack this problem in a really super practical, good way that that I can see it making a huge difference.Rich Birch — And I would agree with you. I think what I realized after being however many decades in ministry, there’s like a real cumulative effect here that it’s like, you know, each decade, I thought things were great in my thirties and then I hit my forties and now I’m in my fifties.Rich Birch — I’m like, oh my goodness, there’s and and sometimes people will say, they’ll they’ll ask you know kind of questions like, you know hey, how do you basically, you know how do you do what you do or whatever? And a part of I’m like, well, you just stay in it. Like you just keep doing it, right? And stay in the game and stay plugged in and yeah.Dave Ferguson — And the and the longer your influence continues to grow, I mean, like, in the kindest, humble way, if Rich Birch emails somebody, you respond. Rich Birch — Right. Yeah, that’s kind.Dave Ferguson — Because I mean, you’ve put in so much time you mean now that you you’re able to get things done that quicker than you couldn’t before because people know who you are, they’re interested in what you’re doing, right?Rich Birch — Yeah. Yeah, it’s true.Dave Ferguson — And I think that’s true with all of us. Our influence will just continue to grow if we stay faithful to this.Rich Birch — Yeah, it’s great. So I want to, I’m going to, we’re going to talk about where you can get the book in a minute, but just before we get there, of the four, this book’s been out now for a while and it’s out in the world. It’s, you know, as an author, I know that’s a very different experience. You go from writing and then it goes out there and then people react to it.Rich Birch — Are there any of those four gauges that you’ve been surprised by the reaction or you’ve noted the reaction? Like, oh, that’s interesting. I’m hearing from people or I’ve seen, you know, maybe it’s a conversation or that sort of thing that any four of those have kind of bubbled up in in discussion.Dave Ferguson — I think the one, I think that’s what surprised me so far in the conversation is how important the physical gauge, how, how underestimated it is and how important it is.Rich Birch — Oh, interesting. Tell me more.Dave Ferguson — I was just, I was just in a conversation this morning with somebody who’s telling me that he’s really been working on these four gauges and for him in the last year’s dropped 40 pounds. And he’s like, it has, it has really shifted my influence, my, my leadership.Dave Ferguson — He said, I just, I feel more confident walking into a room. And I, yeah, I think probably as Christian leaders, we probably downplay that one the most. And I'm I am surprised.Rich Birch — Right.Dave Ferguson — I’m not saying it’s the most important of the four… Rich Birch — No. Yeah. Dave Ferguson — …but I am surprised how important it is and the feedback I’m getting on it.Rich Birch — Yeah, that’s good. I can see that. I can see that for sure.Dave Ferguson — Yeah, I mean we’re whole people.Rich Birch — Yeah, absolutely. And I, you know, the, the days I ride that Peloton in the morning, I’m better at, I’m a better husband those days. I’m a better, you know, it’s, it just works out, which is, yeah, that’s really cool.Rich Birch — All right. So we want to, so when I, as I’ve been going through this, what I’ve been struck by is, man, I think this could be a real gift for our team’s to go through together. i think this could be a great tool for our staff teams. Maybe if I’m an executive pastor, it’s like, Hey, what if we went through this with our senior leaders first? And then maybe we roll it out to our teams or something like that. Where can people pick up copies of this book? Where do we want to send them online to get them? I’m assuming Amazon. Is there anywhere else we want to send them?Dave Ferguson — You know what? Let me give you two things that comes to mind. One is if they’re ready to make a commitment, say, hey, I want to be a multiplier. If you go exponential.org/multiplier, exponential.org/multiplier, there’s a place there where you can say, hey, I want to be a multiplier.Dave Ferguson — We’ll explain how you can be involved in meetups and cohorts and resource. We actually have a multiplier digital check-in. So you can actually do this online every day, that kind of stuff. So that’s one place that would be, I think, really fun.Dave Ferguson — But you’re right, um a lot of people are using it as a book to go over with their with their staff or with their teams or even their networks. And if they’re going to get, I think it’s like six or seven or more, maybe it’s a dozen, somewhere in that neighborhood, you’re going to get more than few, go ahead and email me and I’ll tell you you get a bulk discount. And that’s dave@exponential.orgRich Birch — Great.Dave Ferguson — dave@exponential.org – Say, hey, I’m going to do this with my team. How can I get a bulk discount? And my assistant, Sarah or me, will get back to you and let you know how you can do that.Rich Birch — Yes, that’s fantastic. Friends, I don’t say this with every author that comes on, but I really, I would highly endorse, would recommend that you do that. I think this could be the book you should pick up maybe this summer, read it by yourself, read it with a small group of people. I do think this could be, I think it’s a critical resource. I think it’s, I think this is more than just like, hey, it’s another book. You know, I think there’s a real potential here for this to shift the conversation in a really positive way in the broader church. So I would love more people to pick it up. Well, Dave, this has been incredible. I really appreciate you being here today. Any final words as we kind of land today’s episode?Dave Ferguson — I would probably come back to, if I was going leave people with one thought, is just just remember that you’re going to reproduce who you are and what you do.Rich Birch — So good. Appreciate you, Dave. Thanks so much. We want to send people to exponential.org. Is there anywhere else online we want them to go if they want to track with you or with the movement or anything like that?Dave Ferguson — I mean um I’m on most of the socials, so you can follow me there. DaveFerguson.org, DaveFerguson.org, if, you know, for some reason you want me to speak or do something or find other books that I’ve written.Rich Birch — Yeah, that’s great. Thanks for being here today, sir. Appreciate that.Dave Ferguson — Hey, my pleasure.

This week, Angela discusses the true meaning of success, emphasizing that it's not about money but about focusing on what matters most, like faith and family. She shares insights from a coaching program called Strategic Coach, which encourages shifting from 'have-to's' to 'want-to's' and living in gratitude. The episode concludes with a tip to multiply success by 10 times. Key Takeaways

Send us Fan MailSTART HERE: Learn the Biblical Feminine Methodology.Go from carrying it all to freeFrom exhausted, stressed & overwhelmed to relaxed, present and flourishingFrom disconnected & hurt to deep intimacy and healingBut this isn't your typical marriage tips: this is Holy Spirit transformation that starts with right order and full surrender. You'll learn to:Die to self!Be reborn!Multiply!Flourish in marriage as a High Level Wife who is fully surrendered, Spirit-led and set apart! Learn more about HLW! Support the showChelsey Holm | the Wife Coach "I help Christian wives surrender fully, live Spirit-led, and be set apart according to God's design in marriage, motherhood, and life."First step? Grab the 30 Day Guide: War Room RESET: daily action to regulate, realign, and reconnect. 

Reflections from host Sarah Olivieri ... $20 Million in Grants, Suddenly Gone: How One Nonprofit Survived A year ago, a single nonprofit had $20 million in federal grants on the books. Three awards from three different agencies. By every conventional measure, the funding base looked strong. Then federal priorities shifted. All three grants were eliminated. The organization went from 30 staff to 18 in a matter of months, but they are still standing. That nonprofit is From Prison Cells to PhD, and its founder, Dr. Stanley Andrisse, is the guest on this week's episode of Inspired Nonprofit Leadership. The story has stayed with me, and this article is where I want to go deeper on the part of it that most fundraising conversations skip. The part most people focus on is the funding loss itself. That is the dramatic surface. The part that actually explains why this organization is still standing, and rebuilding faster than most would, sits one layer underneath. Their grant portfolio was huge, but every single dollar of it was aligned to their core mission. There was no program built to chase money that drifted from what they exist to do. When the grants disappeared, what was left was a smaller version of the same organization, not the wreckage of a stretched and confused one. That is the lesson I want to draw out here. Diversified funding gets the headlines in nonprofit strategy conversations. Mission alignment gets less airtime. The truth is, neither one works without the other. An organization with five revenue streams and a sprawl of mission-drifted programs is just as fragile as an organization with one revenue stream and a tight mission. The combination matters, and the combination is what makes a nonprofit shock-resistant. Mission Creep Is The Hidden Cost Of Grants Most leaders I work with know about mission creep in the abstract. They have heard the warning. Where it actually shows up is in the language of a grant application. A funder wants outcomes the organization does not currently produce. A funder wants a population the organization does not currently serve. A funder wants a program design the organization does not currently run. The grant is large. The deadline is short. The board is anxious. The cash flow is tight. The leader makes a small adjustment to fit the application. The grant lands. A program gets built around the requirements. Six months in, the staff is running a workstream that no one in the organization is particularly proud of, but the money is keeping the lights on, so it stays. Multiply that pattern by three or four grants over five years, and the organization no longer looks like itself. The mission statement on the website has not changed, but the actual portfolio of work has drifted significantly. From the inside, leaders rarely notice. They are too close to it. The drift only becomes visible when something forces them to subtract. This is the trap. Grants do not just bring in money. They bring in shape. Every restricted grant is a small set of constraints applied to the organization. A few of those constraints, aligned to the mission, sharpen the work. A lot of them, applied without discipline, distort the work into something else. What Mission Alignment Actually Protects When From Prison Cells to PhD lost $20 million in a single year, the organization did not face the second crisis that usually follows a funding crisis. The second crisis is the realization that half of what you have been doing was never really the work you wanted to do, and now you have to dismantle programs that staff and stakeholders are emotionally attached to in addition to surviving the revenue gap. Because every grant had been mission-aligned, the response was straightforward. Smaller staff. Same work. Same scholars. Same outcomes at a smaller scale. The organization could be honest about what it was paring back without having to defend choices made to chase prior funders. There were no orphaned programs to wind down. There was no donor narrative to untangle. The proportional scale-back was clean. This is what mission alignment actually protects. It protects the speed of your response in a crisis. It protects the morale of your team. It protects your credibility with the funders you still have, because the work that survives is recognizable as the work you have always done. And it protects your ability to rebuild, because the case for support stays consistent. You are not selling a new version of yourself to new donors. You are inviting them into the version that has always been there. Diversification Is The Other Half Of The Equation A mission-aligned organization that has built only one funding pipeline is still fragile. When that pipeline cuts off, the response is still hard. The work stays clear, but the resources to do it disappear. This is where the funding cake framework comes in. I use this language with clients all the time. Major donors are the base layer of the cake. They give unrestricted. They stay for life. They refer their friends. They are insulated from political swings because their decision is personal, not policy-driven. Individual donors at lower giving levels are the next layer. Corporate sponsorships, where they fit, are another layer. Planned giving sits with the major donor layer. Grants are the icing. Icing is wonderful in the right proportion. It is also the most exposed layer of the cake. It melts under the wrong heat. Organizations that treat grants as the foundation are running a cake made of icing, and the first political shift becomes an existential event. Organizations that treat grants as one accelerant among several can lose a major grant and stay upright. From Prison Cells to PhD did not have only grants. They had foundation relationships. They had city and state partnerships. They had philanthropic supporters who had given before and gave again. The grants were significant, but they were one layer in a stack. When that layer disappeared, the stack got shorter, not flat. Why The Two Pieces Have To Move Together This is the part I want every nonprofit leader reading this to take away. Mission alignment without diversified funding is admirable but exposed. Diversified funding without mission alignment is broad but distorted. The combination is what produces an organization that can take a hit and keep going. Picture the inverse of From Prison Cells to PhD's experience. Imagine an organization that took the same $20 million in grants, but each grant required a slight pivot, a new population, a new methodology, a new geography. When the grants disappear, that organization does not just lose revenue. It loses the programs the grants were funding, programs that were never quite the work the organization exists to do, programs that other funders will not back because they do not fit the brand of the organization either. The rebuild from that position takes years. The rebuild from From Prison Cells to PhD's position takes months, because the foundation underneath was always intact. Mentorship was another thread that came up in the conversation, and it deserves a mention here. Dr. Andrisse's own story turns on a mentor who saw a capacity in him that nothing in his environment was reinforcing. That same posture, applied at the program level, is part of what makes the organization's work effective. It is not separate from the funding story. The organizations that hold their mission tight enough to attract long-term funders tend to be the same organizations that hold their participants tight enough to produce real outcomes. Identity discipline at the leader level shows up as program discipline at the participant level and as funding discipline at the development level. It is the same muscle. What This Means For Your Next Grant Decision The practical implication is uncomfortable, because it asks leaders to leave money on the table sometimes. When a grant application asks you to describe work you do not actually do, the right answer is usually no. When a grant requires a population shift or a methodology shift that pulls you off your core, the right answer is usually no. When a grant requires you to invent a program to fit the funder's interests, the right answer is almost always no. The leaders who get this right tend to share a habit. Before applying for any significant grant, they ask one question. If this funder disappeared tomorrow, would this program still belong inside our organization? If the answer is yes, the grant is aligned. The work compounds. The grant lands and strengthens the organization. If the answer is no, the grant is a trap dressed up as a windfall. The work distorts. The grant lands and weakens the organization's center. This discipline is hard in the moment. The deadline is short. The cash flow is tight. The board wants the win. The discipline is also what produces the From Prison Cells to PhD outcome instead of the cautionary tale outcome. What Becomes Possible When mission is the filter and funding is the stack, the leader stops running the organization in reactive mode. There is room to say no to grants that distort the program. There is room to build the slower, deeper donor relationships that produce unrestricted gifts. There is room to develop staff into leadership rather than burning them out chasing the next application. There is room to take a $20 million loss and still be standing, smaller, but recognizable, and ready to rebuild on the same foundation that has always been there. The work is still hard. The mission is still complex. The world is still unpredictable. What changes is that the organization is no longer fragile. It can take a hit. It can take three hits. It can keep going. This isn't about doing less work. It's about doing work that compounds. Nonprofits can survive losses that would close other organizations. They can rebuild faster than seems possible. They can stay recognizable to themselves through hard seasons. Not by pushing harder, but by holding the mission steady and building the stack underneath it. About the Guest Dr. Stanley Andrisse is an endocrinologist, scientist and assistant professor at Howard University College of Medicine is researching type 2 diabetes and insulin resistance. Dr. Andrisse is a visiting faculty at Georgetown University Medical Center, held a visiting faculty position at Imperial College London, and held an adjunct professorship at Johns Hopkins Medicine after completing his postdoctoral training. Dr. Andrisse completed his PhD at Saint Louis University and his MBA and bachelor's degree at Lindenwood University, where he played three years of collegiate football. Dr. Andrisse's service commitments include: Executive Director and Founder of From Prison Cells to PhD, Vice President of the board for the Formerly Incarcerated College Graduates Network, board member on The Endocrine Society, past president of the Johns Hopkins Postdoctoral Association, founder of the Diversity Postdoctoral Alliance, member of several local and national committees, motivational speaker, and community activist. Connect with Stanley: Breaking Chains, Building Futures: Pathways to Redemption, Education, and Excellence — Amazon link Facebook: @Prof.Andrisse Instagram: @dr_andrisse LinkedIn: Dr. Stanley Andrisse X (Twitter): @Dr_Andrisse From Prison Cells to PhD (P2P) Website: www.fromprisoncellstophd.org Facebook: @fromprisoncellstophd Instagram: @prison2pro LinkedIn: From Prison Cells to PhD X (Twitter): @prison2pro TikTok: @prison2pro YouTube: From Prison Cells to PhD Be sure to subscribe to Inspired Nonprofit Leadership so that you don't miss a single episode, and while you're at it, won't you take a moment to write a short review and rate our show? It would be greatly appreciated! Let us know the topics or questions you would like to hear about in a future episode. You can do that and follow us on LinkedIn.

Talent is everywhere. And limiting your hiring pool to your local area can cost you serious leverage. In this episode of The Level Up Podcast, Paul Alex breaks down how hiring overseas can help lean startups build stronger teams, reduce costs, and operate with global efficiency. Let's be real… If you only hire within twenty miles of your zip code… You may be paying a premium for proximity… Not performance. The best operator for the role may not live in your city. They may be halfway across the world. In this episode, you'll learn: Why competence has no borders How global talent can protect your profit margins Why systems matter more than time zones How offshore teams can create faster execution and around-the-clock progress The truth is simple: You do not build a great offshore team by hoping it works. You build it with systems. Clear communication. Documented processes. Video training. Strong expectations. And a management structure that makes execution simple from anywhere. High-level founders do not overpay for proximity when the role can be done globally. They find the best talent. They build the playbook. They manage the process. And they create a machine that keeps moving even while they sleep. Stop limiting your team to your local market. Build the systems. Hire globally. Multiply your output. And keep leveling up. Your Network is your NETWORTH! Make sure to add me on all SOCIAL MEDIA PLATFORMS: Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024 Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you: www.CashSwipe.com FREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Here's obvious: Hotel energy prices aren't coming down. Rick West, CEO at Commercial Green Solutions, and Kenny Weston, VP at Commercial Green Solutions, explained why hoteliers need to stop treating utility costs as fixed. ⚡ The "double whammy" is real: your kWh costs are up AND your demand charges are through the roof. But there's $50 billion in rebates sitting in utility programs that most hotels don't even know exist.

Send us Fan MailOne night on a porch, a burned-out pastor stopped talking long enough to listen and that quiet decision set off a chain of events he never could have planned. We're joined by Pastor Robby Gallaty, senior pastor of Long Hollow Church, to unpack a story that runs straight through the hard places: religious routine without relationship, a devastating car accident, prescription drugs, addiction, relapse, and a life that spiraled into trafficking before Jesus intervened and rebuilt everything.We're going to be at the Nashville Men's Conference on August 8th. We also have our first west coast Lion event called Man Camp in Utah on September 25-27. Head over to https://thelionwithin.us/events/ to learn more and we'd love to see you there!  There are seasons in life where God can feel painfully quiet. Prayers seem unanswered, direction feels unclear, and the silence itself can slowly begin to shape how we view Him, ourselves, and the future ahead. If this resonates you may enjoy this plan that just released on the Bible App. To dive into this 5-day plan check it out here https://thelionwithin.us/devotional/im-just-a-guy-silent/It's time to stop sitting on the sidelines.Step into the fight and become the man God called you to be. Join a brotherhood built on truth, strength, and action. Visit thelionwithin.us right now and start leading with boldness and purpose. Iron sharpens iron — let's go.

This episode shares a recording on a simple, effective, reproducible disciple-making model used at Harding University. Hosts explain the five-step process: begin in prayer, invite face-to-face, set expectations, make a covenant, and follow rhythms of Jesus. Listeners will hear how two-by-two groups, Oikos mapping, and coaching produce multiplication across campus and churches, leading to new conversions, baptisms, and a culture of mission. Practical examples and resources for training and church planting are included. Stay informed - Get our newsletter:  http://eepurl.com/hPViAr Get Discipleship.org's premium Podcast Feed: https://disciplemakerspodcast.supercast.com/  Check out the following eBooks from Discipleship.org: -- What Is Church? And How Important Is It?  https://discipleship.org/shop/what-is-church-and-how-important-is-it/ -- Family Discipleship Blueprint: A Year-by-Year Guide to Family Discipleship https://discipleship.org/shop/family-discipleship-blueprint-a-year-by-year-guide-to-family-discipleship/ -- Becoming a Disciple Maker https://discipleship.org/shop/becoming-a-disciple-maker/ -- National Study: The State of Disciple Making Churches: A 10 Minute Visual Guide https://discipleship.org/shop/national-study-the-state-of-disciple-making-churches-a-10-minute-visual-guide/ -- Reaching & Discipling Women: A Guide to Women's Ministry in Your Church https://discipleship.org/shop/reaching-discipling-women-a-guide-to-womens-ministry-in-your-church/ Check out the following Books from Discipleship.org: -- Recreated to Be like God: Making Disciples in the Image of Jesus https://a.co/d/6DDvUrC -- King Jesus and the Beauty of Obedience-Based Discipleship https://a.co/d/7d85z6T -- The Disciple Maker's Handbook: Seven Elements of a Discipleship Lifestyle https://a.co/d/4ZHIbQz Take the FREE Disciple Maker Assessment: https://church-multiplication.com/disciplemaker/ Come to the The National Disciple Making Forum: https://discipleship.org/national-disciple-making-forum/ Listen - Disciple Maker's Podcast:  https://discipleship.org/resources/podcast/

Most founders fill the most important seat in their business the same way they fill any junior role. In this episode of DarrenDaily On-Demand, Darren Hardy introduces the Missing Multiplier framework and explains why that approach guarantees the wrong hire. He walks through the three channels for finding someone who is already producing extraordinary results elsewhere and is not looking for a new job, and the compatibility tests that reveal whether a candidate can survive your speed, match your intensity, and push back without breaking the relationship. Darren also introduces the most important distinction in any senior hire: the difference between a Patriot who plants their flag for a decade and a Mercenary who leaves the moment a better offer arrives. Join The Collective today at http://hardybmc.com/checkout Get more personal mentoring from Darren each day. Go to DarrenDaily at http://darrendaily.com/join to learn more.

HR and people leaders often feel pulled in a hundred directions, leaving little time for strategy or growth. What if you could reclaim that time and make a bigger impact without working longer hours? In this episode, Karina Young sits down with Nelson Spencer, founder of Augie Ventures. They discuss how AI and intelligent agents can help you offload repetitive tasks, streamline workflows, and amplify your impact. Learn practical strategies for using AI to handle the operational side of HR while freeing yourself to focus on leadership, culture, and employee development. You'll learn: How to leverage AI to multiply HR impact Practical steps for AI adoption in HR Translating existing HR skills to AI work Join us as we discuss: (00:00) Meet HR Superstar: Nelson Spencer (04:01) Navigating anxiety around AI adoption (05:15) Using AI to multiply human talent (07:27) Moving beyond basic AI tasks (18:06) Applying leadership skills to AI (21:22) Building trust and psychological safety (27:45) Improving quantity & quality of work through AI (33:57) Maintaining the human lens of HR Resources: For the entire interview, subscribe to HR Superstars on Spotify, Apple Podcasts, or YouTube, or tune in on our website. Original podcast track produced by Entheo. Listening on a desktop & can't see the links? Just search for HR Superstars in your favorite podcast player. Hear Karina's thoughts on elevating your HR career by following her on LinkedIn: https://www.linkedin.com/in/karinayoung11/ Download 15Five's HR Outcomes Playbook: https://www.15five.com/ebook/hr-outcomes-playbook-unlocking-the-true-business-value-of-hr/?utm_source=podcast&utm_medium=podcast&utm_campaign=Q2_2023_Podcast_CTAs&utm_content=HR For more on maximizing employee performance, engagement, and retention, click here: https://www.15five.com/demo?utm_source=podcast&utm_medium=podcast&utm_campaign=Q2-Podcast-Ads&utm_content=Schedule-a-demo Nelson Spencer's LinkedIn: https://www.linkedin.com/in/nelsonspencer/

This episode features a pre-conference session on organizing your church around disciple making, centered on 2 Timothy 2:2 as a blueprint for multi-generational reproduction. Through real-life stories—from small groups and youth leaders to international churches in Japan—the speaker shows how to spot hungry leaders, invest in people, and build a culture that produces new disciple-makers. Listeners will get practical principles for identifying, training, and releasing faithful followers so the gospel multiplies through ordinary relationships and intentional investment. Stay informed - Get our newsletter:  http://eepurl.com/hPViAr Get Discipleship.org's premium Podcast Feed: https://disciplemakerspodcast.supercast.com/  Check out the following eBooks from Discipleship.org: -- What Is Church? And How Important Is It?  https://discipleship.org/shop/what-is-church-and-how-important-is-it/ -- Family Discipleship Blueprint: A Year-by-Year Guide to Family Discipleship https://discipleship.org/shop/family-discipleship-blueprint-a-year-by-year-guide-to-family-discipleship/ -- Becoming a Disciple Maker https://discipleship.org/shop/becoming-a-disciple-maker/ -- National Study: The State of Disciple Making Churches: A 10 Minute Visual Guide https://discipleship.org/shop/national-study-the-state-of-disciple-making-churches-a-10-minute-visual-guide/ -- Reaching & Discipling Women: A Guide to Women's Ministry in Your Church https://discipleship.org/shop/reaching-discipling-women-a-guide-to-womens-ministry-in-your-church/ Check out the following Books from Discipleship.org: -- Recreated to Be like God: Making Disciples in the Image of Jesus https://a.co/d/6DDvUrC -- King Jesus and the Beauty of Obedience-Based Discipleship https://a.co/d/7d85z6T -- The Disciple Maker's Handbook: Seven Elements of a Discipleship Lifestyle https://a.co/d/4ZHIbQz Take the FREE Disciple Maker Assessment: https://church-multiplication.com/disciplemaker/ Come to the The National Disciple Making Forum: https://discipleship.org/national-disciple-making-forum/ Listen - Disciple Maker's Podcast:  https://discipleship.org/resources/podcast/

Connect with Rohit Punyani: https://ownersasset.com/resource-libraryBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans welcomes back Rohit "Ro" Punyani from The Owner's Asset for his third appearance, this time for a deep dive on retirement planning that takes apart the conventional model and rebuilds it around income and freedom rather than net worth.They walk through why Monte Carlo simulations and the 4% rule fail in the real world, how sequence of returns risk quietly destroys plans, and why net worth is the wrong number to chase. From there they lay out the two bookends of every plan, the 25X accumulation rule and the 12X annuity rule, and land on the middle ground: roughly 30% in risk-free assets paired with dividend growth equities, structured so you never have to sell unrealized losses.Chapters: 00:00 – Opening segment02:55 – Freedom vs. surety of income: two definitions 05:25 – Re-pensionizing America and why the wealthy never stop 08:45 – Why entrepreneurship is about who you become 12:30 – Why Monte Carlo simulations don't work 14:55 – Sequence of returns risk explained 16:50 – Why even a linear 9% return runs out of money 18:35 – Where to start: the two bookends 19:25 – The 4% rule and the 25X heuristic 20:25 – The annuity bookend and the 12X heuristic 22:30 – The annuity's Achilles heel: inflation 24:40 – Inflation riders and the joint annuity strategy 27:55 – Net worth is not a proxy for income 30:50 – Why age 65 is arbitrary 33:50 – Building toward a dream part-time job 36:05 – The 30% rule and the Ernst & Young study 43:35 – The S&P: great for accumulation, terrible for distribution 45:00 – Dividend achievers, aristocrats, and kings 47:35 – The magic number is 8: yield on cost explained 51:15 – Earn compound interest, pay simple interest 56:00 – Why this strategy is so hard to run 57:35 – The Bessembinder study and why indexing works 01:04:05 – A plan is not a plan if you can run out of money 01:06:20 – Closing segmentKey Takeaways:Retirement isn't the absence of work, it's freedom, the ability to do what you want, when you want, with whoever you want. The people who retire to something thrive; the ones who only retire from something often don't last.Net worth is not a proxy for income. Retirement planning is income planning. A zero-dollar net worth with $20,000 a month of guaranteed income beats a huge number you're too scared to spend down.You can average 7%, withdraw 4%, and still go broke. The average return doesn't matter, the sequence does. A couple of down years early in retirement force you to sell principal, and no Monte Carlo simulation can model human behavior, lifestyle creep, or a long-term care event.Know your two bookends. Multiply your target income by 25 (the 4% rule) for the high end of what you need to save, and by 12 (an 8% annuity) for the low end. For $100K a year, that's $2.5M versus $1.2M, and the right answer for most people sits in the middle.Index to dividend growth, not just the S&P. Roughly 40% of the S&P's total return since inception has come from dividends, and dividend aristocrats have historically raised payouts faster than inflation, giving you an inflation-indexed income stream instead of forcing you to decide what to sell, when, and how much.

Grab the Secondary Teacher Systems Toolkit here: https://khristenmassic.thrivecart.com/systemstoolkit/?ref=pod Too many preps and not enough time? Let's make your planning period actually work for you. Reserve your spot in the Unit Planning Lab here: https://khristenmassic.thrivecart.com/unit/?ref=podcastPlanning for the next school year? If your day is organized by class period, your planning calendar should be too. Grab my Editable Class Period Calendar here: https://khristenmassic.com/secondarycalendarpodGet the Planning Period Reset Toolkit—a free set of quick-start tools to help you protect your time, focus faster, and finally finish something… even during chaotic school days. https://khristenmassic.com/resetShop my Teachers Pay Teachers store: https://www.teacherspayteachers.com/Store/Khristen-Massic-Cte-Teacher-CoachDoes your morning routine amount to hoping students eventually settle down so you can start class? If you've ever found yourself waiting for attention and losing precious minutes, let's talk about classroom management routines for a smoother start to class. Host Khristen Massic lays it out plain and simple: hoping kids will fall in line is not a plan—it's a gamble, and your sanity deserves better.Here's a scene you'll recognize: students roll in chatting, maybe shuffling their stuff around, and you—like a lot of us—hang back, waiting for the volume to drop. That's not a classroom management routine. That's crossing your fingers and banking on compliance. Khristen cracks open a story about walking into her own husband's classroom, watching him stand and wait while chaos swirled. Good teacher, but that gray area at the start of class? It eats up your time, your patience, and your instructional minutes. Every. Single. Day.There's nothing lazy about falling into this trap. When you're juggling multiple preps and eighty minutes that each need a plan, fixing a system that “mostly works” sinks on the priority list. But here's the math: losing five minutes at the start of every class adds up to hours over a semester. Multiply that by how many sections you teach, and suddenly you're giving away full days that you could reclaim. Secondary teachers, especially anyone running on overloaded autopilot, need routines that automate these decisions.So what does a real classroom management routine look like? It's not “students will start working.” That's a wish. Khristen insists on specifics: students walk in, grab a handout from the table, check the board for tech needs, pick up their notebook, sit, and begin their bellwork silently until a timer rings. The routine is clear, teachable, and leaves no room for interpretation or wasted movement. When students know what to do every time, you get to ditch the reminders and reclaim your mental bandwidth.But let's get gritty—students won't nail it day one. You need a plan for noncompliance, and it better be more than just raising your eyebrow. Khristen suggests proximity, silent desk taps, or private hallway chats—the key is handling it without drama, so those minor disruptions never become your main gig. And don't forget, the teacher's role matters every bit as much. Are you greeting in the doorway, scanning for early confusion, taking attendance with minimal fuss? Map it out.Biggest missed step? Actually teaching the procedure, not just rattling it off and hoping it sticks. Practice the start-of-class routine like you'd model a math problem: “I do, you do, we practice all week.” Assume you'll need refreshers come October, January, and after every long break—muscle memory fades for everyone when the default is chaos in other classrooms.This episode is a gut check for secondary teachers who know their current systems are running on hope. If you're tired of losing minutes, nagging about procedures, or letting routines slide because your brain's crowded by too much other stuff, here's your message: predictability is freedom, not a cage. Urban, rural, high school, middle—your students thrive on knowing exactly what's expected, even when their teenage posturing says otherwise.Khristen's straight talk is especially for teachers with multiple preps, overloaded schedules, and those who've tried to make it work by winging it. If you're desperate to stop repeating yourself and want to free up energy for actually connecting with your students or improving your work life balance, it's time to get intentional about those classroom routines that drive the flow of every single day.Before you go, ask yourself: if you missed a morning, would class still launch smoothly? If the answer is no, that's your next routine to build. Let Khristen's brand of grounded, rebellious teacher wisdom help you fix what's fixable—because every teacher deserves a start-of-class that runs itself.Here's your nudge to go rogue: Leave hope at the door, build the routine, and take your time back.

Ralph Moore recounts the Hope Chapel story and teaches a simple, reproducible disciple-making model built around four questions used at personal, group, and leadership levels. He explains how aligning weekend teaching with small "mini-church" groups, asking the four questions, and training leaders to reproduce groups led to massive multiplication—from 12 people to thousands of churches worldwide. The episode gives practical next steps: teach through the Bible, model the questions with three trusted people, and start new groups by apprenticing leaders, emphasizing life-on-life relationships over programs. Stay informed - Get our newsletter:  http://eepurl.com/hPViAr Get Discipleship.org's premium Podcast Feed: https://disciplemakerspodcast.supercast.com/  Check out the following eBooks from Discipleship.org: -- What Is Church? And How Important Is It?  https://discipleship.org/shop/what-is-church-and-how-important-is-it/ -- Family Discipleship Blueprint: A Year-by-Year Guide to Family Discipleship https://discipleship.org/shop/family-discipleship-blueprint-a-year-by-year-guide-to-family-discipleship/ -- Becoming a Disciple Maker https://discipleship.org/shop/becoming-a-disciple-maker/ -- National Study: The State of Disciple Making Churches: A 10 Minute Visual Guide https://discipleship.org/shop/national-study-the-state-of-disciple-making-churches-a-10-minute-visual-guide/ -- Reaching & Discipling Women: A Guide to Women's Ministry in Your Church https://discipleship.org/shop/reaching-discipling-women-a-guide-to-womens-ministry-in-your-church/ Check out the following Books from Discipleship.org: -- Recreated to Be like God: Making Disciples in the Image of Jesus https://a.co/d/6DDvUrC -- King Jesus and the Beauty of Obedience-Based Discipleship https://a.co/d/7d85z6T -- The Disciple Maker's Handbook: Seven Elements of a Discipleship Lifestyle https://a.co/d/4ZHIbQz Take the FREE Disciple Maker Assessment: https://church-multiplication.com/disciplemaker/ Come to the The National Disciple Making Forum: https://discipleship.org/national-disciple-making-forum/ Listen - Disciple Maker's Podcast:  https://discipleship.org/resources/podcast/

What if your greatest leadership achievement isn't what you accomplish yourself - but the leaders you develop who continue multiplying long after you're gone? In this episode of Leaders of Transformation, Nicole Jansen welcomes back leadership development expert and bestselling author Mac Lake to discuss his latest book, Super Multiplier. What does it take to build a leadership legacy that extends far beyond your own influence? Mac reveals how great leaders intentionally develop leaders who go on to develop other leaders – creating a multiplication effect that can impact organizations for generations. Drawing from decades of experience building leadership pipelines, Mac shares the mindset shifts and practical habits leaders need to intentionally develop others and create a culture of multiplication. Together, Nicole and Mac explore why most leadership development efforts fail, the hidden beliefs that prevent leaders from investing in others, and how to identify and unlock the potential already sitting within your organization. Whether you're leading a business, ministry, nonprofit, or team, this conversation will challenge you to think beyond leadership training and embrace leadership multiplication that lasts for generations. What We Discuss in this Episode Why leadership gaps are solved by developing people, not simply finding people The hidden mindsets that prevent leaders from developing others Why most organizations rely on the ineffective "wait and hope" leadership strategy The difference between leadership training and leadership transformation Why mindset must change before skill set can change How limiting beliefs hold emerging leaders back from reaching their potential What it means to "mine for the gold" in people How great leaders identify and cultivate strengths in others Lessons from Jesus' model of leadership development and multiplication Why leadership multiplication is more powerful than leadership addition How to develop leaders who can develop other leaders Why leadership development requires intentionality more than time Practical ways to develop leaders during everyday work activities How modeling, practice, and debriefing accelerate leadership growth Why failure is one of the greatest tools for leadership development The 4T Framework: Think, Try, Talk, and Train How leaders can continue growing by building on their strengths The importance of creating a replicable leadership development process What it means to build leadership four generations deep How to create a lasting leadership legacy within your organization Highlights  00:00 – Why Leadership Development Often Fails 02:30 – Leadership Gaps Aren't Solved by Finding People 06:00 – The Mindsets That Limit Leadership Multiplication 10:00 – Why Mindset Comes Before Skill Set 13:00 – The Problem with the "Wait and Hope" Strategy 16:00 – Leadership Training vs. Leadership Transformation 20:00 – Mining for the Gold in People 24:00 – What Jesus Teaches Us About Developing Leaders 29:00 – Why Leaders Think They Don't Have Time 33:00 – Everyday Opportunities to Develop Future Leaders 38:00 – Failure as Fertilizer for Growth 42:00 – The Power of Modeling and Debriefing 46:00 – How to Identify Your Next Growth Area 50:00 – The 4T Framework for Leadership Development 54:00 – How to Multiply Leaders Four Generations Deep 58:00 – Building a Leadership Legacy That Lasts Episode Show Notes and Links to Mac Lake's Books and Resources: https://leadersoftransformation.com/podcast/leadership/super-multipliers-how-to-multiply-great-leaders-four-generations-deep-with-mac-lake/ Check out our complete library of episodes and other leadership resources here: https://leadersoftransformation.com ________

This Nightmare "Immortal" Worm Is Invading Yards—And Splitting Itself to Multiply! by 102.9 The Hog

In this episode of the Kwik Brain podcast, I'm sharing a powerful talk from our Limitless Live event with John Lee, global speaker, entrepreneur, AI expert, and one of the leading voices helping businesses understand how to use artificial intelligence to scale, profit, and lead in a rapidly changing world.John breaks down why we are moving out of the information age and into what he calls the creator age, where the people who know how to apply AI, not just use it, will have an extraordinary advantage. He explains how AI can help you save time, create faster, automate tasks, communicate more effectively, and expand your impact in ways that were impossible just a few years ago.In this episode, you'll learn:✅ Why AI is not just about using tools but applying them strategically✅ The difference between using AI, integrating AI, and monetizing AI✅ The five core categories of AI tools John says matter most✅ How prompt engineering helps you get better results from AI✅ How to create content, presentations, articles, and offers faster✅ Why voice AI, cloned knowledge, and ghost personas can save massive time✅ How faceless AI content and automated workflows are changing business✅ Why creative intelligence and critical thinking matter more than ever✅ How to think bigger in the creator age and use AI to scale your impactIf you want to work smarter, move faster, create more, and stay relevant in a world changing at exponential speed, this episode will show you how to start using AI in a way that actually helps you grow.

This week I am discussing the significance of transitioning from building followers to building leaders within our team. I'm covering the characteristics of a multiplying leader, the reasons why leaders may struggle to develop others, and I'll be giving you practical steps to foster leadership qualities in your team members. Purchase my new book, Level Up Your LeadershipShopifyUpgrade your business with a $1/month trial of Shopify. Head to shopify.com/levelup today.RSE Management Consulting, Inc.This podcast is sponsored by RSE Management Consulting, Inc. Visit the links below to contact Rich and learn more about how he can help your business!Website: rsemgtcon.comEmail: reitelberg@rsemgtcon.comCall: 631-623-2400--Links & resources:To follow more info about the podcast@levelup.debbienealCheck out my personal instagram account@debbie_neal