Podcasts about Mutual

How much you need to retire quiz: https://bit.ly/Adam-OlsonShocking Retirement Facts You Wouldn't Believe (…and how to fix them)Most people focus on hitting a “magic number.” The truth? A handful of overlooked facts can quietly wreck an otherwise solid retirement. In this video, I break down the most surprising (and costly) traps I see as a CFP—and how our Red Zone Retirement Planning Process helps you avoid them.What you'll learnThe “tax torpedo” effect and why your MAGI matters more than your balanceHow IRMAA surcharges sneak up on high-income retireesWhy sequence-of-returns risk makes the first 5–10 years so criticalThe spending mistake that drains portfolios faster than you thinkRoth conversion windows (before RMDs/Medicare) most people missThe Go-Go / Slow-Go / No-Go framework to spend confidently and keep growingMy retirement frameworkWe align guaranteed income (Social Security, pensions, annuities, rental/dividends) to cover needs—then invest for wants (travel, hobbies, family) with a risk-right mix. Finally, we bucket assets for Go-Go, Slow-Go, and No-Go years so you're protected early and positioned for growth later.Chapters00:00 Intro — The facts nobody tells you01:18 The tax torpedo (and how to defuse it)03:42 IRMAA & healthcare cost surprises06:05 Sequence-of-returns risk in plain English08:27 Smarter withdrawal guardrails (not just 4%)10:10 Roth windows before RMDs & Medicare12:04 The Go-Go / Slow-Go / No-Go plan14:20 Action steps & next movesWork with meIf you're 5–7 years from retirement and want a clear, tax-smart income plan, let's talk.

The show kicks off with a sardonic take on turf wars between delivery drivers—yes, really—before diving into third-quarter market returns, investor behavior, and asset class performance. Don and Tom remind listeners (again) that sticking with a diversified portfolio beats timing markets or following headline noise. Listeners call in about Social Security strategies, inheritance accounts for minors, and what to do with large sums of cash in retirement. The show wraps with a smart look at ETF-to-mutual fund conversions and why the old-school fund industry is getting left in the dust. 0:11 Delivery turf wars joke and quarter-end reflections 1:40 Fears vs. reality: inflation, jobs, and trade wars 2:16 Q3 returns: U.S. stocks +8%, EM +9.6%, silver tops, cocoa flops 3:09 What you had to do to earn those returns: be invested, diversified, and ignore noise 5:13 Don scolds investors still avoiding value and international stocks 6:11 Chocolate aside, it's been a strong year for stocks and bonds 7:42 Promo: Why guessing isn't a retirement plan 7:51 Don recovers from a cough; Tom lists worst Q3 performers (lean hogs!) 9:13 Listener Chad argues for claiming Social Security early if you can earn 3% 11:08 Don crunches the math: break-even at age 81–82 if invested at 3% 12:57 Survivor benefits and why waiting helps your spouse 13:57 Don jokes about his wife stealing his life force and living to 112 14:54 Vaccine banter and intro to next caller 15:56 Caller Michael from Burien sells a condo, asks where to put $300k 19:07 Don and Tom suggest municipal bonds like VTEB for tax-free yield 20:20 Michael quotes a great retirement planning aphorism 20:29 Shift to ETF inflows and the downfall of mutual funds 29:13 Vanguard's tax-free conversion model and Dimensional's exemptive relief 30:49 What this shift means for investors with taxable accounts 31:17 Mutual funds may soon be the next buggy whips 32:22 Listener Connie asks: do you really get back Social Security withheld when working before FRA? 33:14 Tom and Don clarify: benefit adjusted later, but no “refund” 34:37 Caller Susan from Connecticut: what to do with $250k in cash 36:52 Don: You don't need more products—you need a real financial plan 39:17 Flat-fee plans and how to find a true fiduciary Learn more about your ad choices. Visit megaphone.fm/adchoices

Matthew Lilling and Deepon Nag, Co-Directors of Research at ClearBridge Investments, discuss their active research philosophy, technological integration and the value of collaborative fundamental research in navigating global market dynamics and technological disruptions.

On today's show, I discuss what it really means to be met by someone instead of simply being seen by them. This episode concludes the Intimacy vs Exposure series, exploring how fear, hunger, and repair shape the way we love, connect, and reveal ourselves. We look at the psychology of mutual risk, the balance between safety and openness, and how real intimacy becomes a living practice rather than a performance.Whether in kink or in everyday life, this conversation is about learning to stay present without losing yourself, to build connection through honesty, and to find steadiness in the spaces between.Continue the discussion on Fetlife: @Enhanced-MindDon't forget to hit the follow button and rate my show 5 stars so others may find it. What to be on the show or have an idea for an upcoming episode? Email me at TheKinkPerspective@gmail.comFind me on Substack - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Enhanced-Mind's Substack | Chris C. | Substack⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you are looking for a therapist that is knowledgeable about the lifestyle, or just a therapist in general, please feel free to reach out through my website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://enhanced-mind.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠I have a book out, Tangled Desires: Exploring the Intersection of BDSM and Psychology. Can find it where you purchase most of your ebooks. Print version out now!#BDSM #Psychology #Intimacy #Risk

How much you need to retire quiz: https://adamdolson.com/retire-quiz/Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

In this episode, we preview the new season of Mutual of Omaha's Wild Kingdom Protecting the Wild with wildlife expert and co-host Peter Gros. We discuss how the show has evolved over the years and how conservationists have adapted to climate change in the filmmaking process. Wild Kingdom Protecting the Wild premieres Saturday, October 4th, on NBC.

Do the Broncos have what it takes to compete with the defending champs? Eric and Bruce outline the path to victory for the Broncos as they travel to Philadelphia to take on the Eagles. Mutual respect of the coaching staffs, and Vic Fangio & Vance Joseph's pasts in Denver. Jamal Murray is ready to hit the ground running this season and received public praise from David Adelman for his offseason work. How good is the Nuggets' bench and is Denver a good pick to win it all this year? Make sure to check out rollerauction.com, thesbbar.com, fergusonsheatingandcoolingllc.com, nolajanedenver.com, sasquatchcasino.com and smokindavesbbq.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Mutual of Omaha's Wild Kingdom has been part of the American landscape since 1963, and Peter Gros has been part of it since the mid-80s. He now hosts the re-boot of the show, which airs on NBC on weekend mornings, and tells the guys all about it. [Ep186]

Welcome back to The Uncrowned Podcast—a movement calling men back to what God created us to be: God-first, faith-first, divine masculine expressed through character, discipline, and brotherhood. We don't chase earthly crowns—we walk in calling. Today we tackle a verse everybody quotes but few practice well: “Wives, respect your husbands. Husbands, love your wives.” We break down what Ephesians 5:21–33 actually says (not memes, not hot takes), why respect and love are different but complementary, and what it means that husbands are called to love “as Christ loved the church”—which means die to self. We also get painfully practical with daily/weekly rhythms you can start tonight.  Core Scriptures we unpack: Mutual submission & marriage design (Eph 5:21–33; Gen 2:24).  Respect that can win a husband without words (1 Pet 3:1–2). Husbands: love without harshness (Col 3:19).  Servant leadership & foot-washing (Matt 20:26–28; John 13). Christ's pattern of self-emptying (Phil 2:5–8).  What love looks like in conflict (1 Cor 13:4–7; Jas 1:19).  We even zoom in on the Greek: agapaō (self-giving, chosen love) and phobeō (reverence/respect)—a lock and key that fit God's design for covenant.  7-Day Challenge  Husbands (tonight): Pray out loud with your wife for 30 sec, then ask, “What's one weight I can shoulder for you this week?” (Eph 5:25; Col 3:19). Wives (tonight): Say one sentence of respect: “I see how you ____ and I'm grateful.” (1 Pet 3:1–2; Eph 5:33).  Both: Memorize James 1:19—quick to hear, slow to speak, slow to anger—and use it in your next tough convo.  Drop a ✅ when you finish Day 1. Tell me which you're doubling down on this week—Respect or Love—and why.   If this served you, follow/subscribe, rate & review, and share with one couple who needs a reset. For a God-first rule of life—Scripture rhythms, communication, conflict, leadership—apply for 1:1 coaching for men: butticejoe@gmail.com or @theuncrownedcoach on instagram and tiktok

Saudi Arabia and Pakistan signed a mutual defense treaty last week. And no, you're not the only one thinking, “Hmmm, why would two countries with mismatched security concerns enter into a defense pact?”Join the Patreon here: https://www.patreon.com/PeterZeihanFull Newsletter: https://mailchi.mp/zeihan/saudi-arabia-and-pakistan-sign-a-mutual-defense-treaty

How much you need to retire quiz: https://bit.ly/Adam-OlsonWhy Retiring at 65 is a Huge Mistake (and What to Do Instead)We've all been told the same story: work 40+ years, retire at 65, and then start living. But what if that timeline is completely backwards?In this video, Adam Olson, CFP®, breaks down why the traditional “65 and done” model no longer works — and how it could be costing you your best, healthiest years of retirement. You'll discover:✅ The health realities that make retiring at 65 too late for many people✅ Why “65” became the cultural norm — and why it doesn't fit today's world✅ How to balance health and wealth so you don't miss your most vibrant years✅ Strategies to avoid retirement shock and transition with confidence✅ The Red Zone Retirement Planning Process that helps you retire earlier — without sacrificing securityYour retirement shouldn't be defined by a date on a calendar. It should be built around your health, happiness, and goals. With the right plan, you can retire earlier, on your terms, and enjoy the life you've worked so hard to build.

Is it okay for kids to tease their parents? Pastor Heath Lambert tackles this intriguing question by examining what the fifth commandment teaches about honoring parents while still enjoying family humor. His answer might surprise you: "It depends."Timestamps0:00 - Introduction and book release announcement (September 30th)1:36 - The question: Can I make fun of my parents?2:14 - The fifth commandment challenge (Exodus 20:12)2:54 - The careful answer: "It depends"3:18 - Scenario 1: Mutual enjoyment and family fun4:58 - Pastor Lambert's family example5:33 - Scenario 2: Good intentions but hurt feelings6:45 - The "if you're the only one laughing, you're wrong" rule7:43 - Scenario 3: Making fun with malicious intent8:25 - What dishonoring parents actually means9:03 - Final answer: Honor with healthy humorKey Topics Covered- The Fifth Commandment Foundation - Understanding what it means to honor father and mother- Three Scenarios for Family Humor - When teasing is healthy vs. when it crosses the line- Intent vs. Impact - Why good intentions don't always excuse hurtful humor- Family Communication - How to navigate humor when feelings get hurt- The Dishonor Line - Distinguishing between loving laughter and belittling behavior- Healthy Family Relationships - Building joy and closeness while maintaining respectScripture ReferencesExodus 20:12 - The Fifth Commandment about honoring parentsAbout The Ten Commandments BookHeath Lambert's new book "The Ten Commandments: A Short Book for Normal People" releases September 30th. This accessible guide explains how God's commands apply to modern life without requiring theological education. Perfect for personal study, evangelism, or gifts to friends, neighbors, and family.Pre-order and download a free chapter at fbcjax.com/tencommandmentsHave a question you'd like answered? Send it to markedbygrace@fbcjax.com

Olivia Wolfgang-Smith is the author of the novels Mutual Interest (2025) and Glassworks, which was longlisted for the Center for Fiction First Novel Prize and named a Best Book of the Year by NPR, Apple, and Good Housekeeping. She is a 2024 NYSCA/NYFA Artist Fellow in Fiction and lives in Brooklyn with her partner. Recommended Books: Hugh Ryan, When Brooklyn Was Queer Michael Koresky, Sick and Dirty Damon Runyon, Guys and Dolls and Other Writings Anna North, Bog Queen Chris Holmes is Chair of Literatures in English and Professor at Ithaca College. He writes criticism on contemporary global literatures. His book, Kazuo Ishiguro Against World Literature, is published with Bloomsbury Publishing. He is the co-director of The New Voices Festival, a celebration of work in poetry, prose, and playwriting by up-and-coming young writers. Learn more about your ad choices. Visit megaphone.fm/adchoices

Olivia Wolfgang-Smith is the author of the novels Mutual Interest (2025) and Glassworks, which was longlisted for the Center for Fiction First Novel Prize and named a Best Book of the Year by NPR, Apple, and Good Housekeeping. She is a 2024 NYSCA/NYFA Artist Fellow in Fiction and lives in Brooklyn with her partner. Recommended Books: Hugh Ryan, When Brooklyn Was Queer Michael Koresky, Sick and Dirty Damon Runyon, Guys and Dolls and Other Writings Anna North, Bog Queen Chris Holmes is Chair of Literatures in English and Professor at Ithaca College. He writes criticism on contemporary global literatures. His book, Kazuo Ishiguro Against World Literature, is published with Bloomsbury Publishing. He is the co-director of The New Voices Festival, a celebration of work in poetry, prose, and playwriting by up-and-coming young writers. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Olivia Wolfgang-Smith is the author of the novels Mutual Interest (2025) and Glassworks, which was longlisted for the Center for Fiction First Novel Prize and named a Best Book of the Year by NPR, Apple, and Good Housekeeping. She is a 2024 NYSCA/NYFA Artist Fellow in Fiction and lives in Brooklyn with her partner. Recommended Books: Hugh Ryan, When Brooklyn Was Queer Michael Koresky, Sick and Dirty Damon Runyon, Guys and Dolls and Other Writings Anna North, Bog Queen Chris Holmes is Chair of Literatures in English and Professor at Ithaca College. He writes criticism on contemporary global literatures. His book, Kazuo Ishiguro Against World Literature, is published with Bloomsbury Publishing. He is the co-director of The New Voices Festival, a celebration of work in poetry, prose, and playwriting by up-and-coming young writers. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/literature

Episode 242 is about putting ploughs into the ground, how the rural areas of much of the country was experiencing something of an agricultural revolution. It's rather a fascinating tale, because there are tremendous contradictions in what we're going to talk about this episode. As usual, there we will need to combine a global story with our local story —without doing so would be to stunt our awareness of the strands and tendrils that spread and connect. By the 1850s, Great Britain was manipulating trade and military as well as political power as reciprocating elements. This is a technique adopted by pretty much every empire since before Carthage. Political influence was used so as to extend and secure free exchange, in Britain's case commerce and anglicisation, spread political influence and welded alliances. As Lord Palmerston so aptly pointed out “…It is the business of Government to open and secure the roads for the Merchant…” Antiquated regimes were its enemy and foreign tariffs were its enemy, as anyone knows, the greatest enemy of free trade are tariffs. Empires were broken, the gouty and outdated Chinese, the religion-strangled Turkey, innumerable sheikdoms, sultanates and chieftancies were drawn into the invisible British empire of informal sway. When merchants manage affairs instead of men with guns, it's harder to pin down the essence of power — and also the dangers. The results of this grand vision were not encouraging by the 1870s and the Victorians were less sure of their panacea for both Asia and Africa. Among the ancient and invincibly conservative Confucian and Islamic rulers, no effective westernising collaborators had been found. The Tai'ping rebellion in China and the growing chaos in Muslim states appeared never ending. It was the United States that was gobbling up immigrants — most of Britain's emigrants went there, and the Victorians bought and sold more there than in any other single country. It had dawned on the British political elite that their commerical experience impressed a single portentous fact — that their most successful trading associations with the exception of the Indian Empire, were with Europeans transplanted abroad. They accounted for around 70 percent of all her investment overseas. The white communities in the temperate zones had the outlook and the institutions favourable to progress which the Asiatics and Africans seemed to lack. They offered customers with European tastes and money to spend. Mutual self-interest with whites of their empire meant private business of Great Britain commingled freely with that of Greater Britain and the once-colonial societies of the New World — the Americans and many in South America too. At the same time, the colonists were growing more bitter about Downing Street control and self-government appeared one solution. The aim was to avert the loss of more colonies and more American Wars of independence. So by the 1870s, confederated Canada, responsibly governed Australia and the Cape were regarded as constitutional embodiments of collaboration between British and colonial interests — all working at their best. The number of trading stores in the Transkei quadrupled to a few hundred, and all of this meant that there was a major qualitative shift in the cumsumption patterns of Africans. New permanent wants replaced needs, metal was now preferred to traditionally crafted pots and baskets, the cow-hide kaross was replaced by the Witney blanket, ploughs and all manner of tools flooded into these developing farms. Around South Africa, energy seemed to be surging. Take the highveld for example. The sour veld of the Harrismith district to be precise. Largely used for summer grazing, the farmers here often moved their herds into Natal every autumn. Below the Berg as they put, OnderBerg. Underberg.

Welcome back to Mutual Presents. This week, we're back again with The Mysterious Traveler! This week's double feature is Mind over Murder" and "Death Is the Judge"! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Mutual Presents. This week, we're back again with The Mysterious Traveler! This week's double feature is Mind over Murder" and "Death Is the Judge"! Learn more about your ad choices. Visit megaphone.fm/adchoices

"How much you need to retire quiz: https://bit.ly/Adam-Olson

Today we're uncovering...How a government funding lapse would impact the National Flood Insurance Program and those who depend on its coverage.The Terrorism Risk Insurance Act is up for reauthorization.  How NAMIC is leading the effort for it's long-term extension.We dive into Guy Carpenter's comprehensive analysis of mutual large loss development.Today's episode is sponsored by Holborn.

We've got some scheduling difficulties, so most of the gang gets together to discuss the end of Book 4 and take some listener questions!   Oh yeah, and check out Kitten Marlowe and Shrimp and Crits, two awesome Actual Plays whose trailers you might hear in this episode.   We encourage you to check out our Patreon and/or Ko-Fi, as they've got sweet sweet benefits and also you can help support your favorite show. AND Our Store is a thing, with all your t-shirts, tote bags, stickers and more!   Background music and sound effects: Elf Meditation by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/5728-elf-meditation-preview License: https://incompetech.filmmusic.io/standard-license    Email us at PodAgainsttheMachine@gmail.com Remember to check out https://podagainstthemachine.com for show transcripts, player biographies, and more. Stop by our Discord server to talk about the show: https://discord.gg/TVv9xnqbeW Follow @podvsmachine on Bluesky Find us on Reddit, Instagram, and Facebook as well.  

Stablecoins: Genius or Reinventing the Wheel? by ClearBridge Investments

In this episode of the Blonde Highlights Podcast, hosts Kris Yeo & Kyle Hennessy welcome Gabby Conti, comedian & author of '20 Guys You Date in Your 20s'. They discuss Gabi's journey of writing her book, the various types of relationships one encounters in their 20s, and the lessons learned from her dating experiences. Gabi shares insights from her 30 Dates in 3 Days experiment, emphasizing the importance of mutual respect in relationships and providing safety tips for modern dating. The conversation also touches on the role of humor in relationships and concludes with Gabi's advice for listeners navigating the dating scene.Follow Gabi IG & TikTok @itsgabicontiTakeawaysGabby wrote her book to provide guidance she wished she had while dating.The book categorizes 20 types of relationships one may encounter.It's important to recognize red flags early in dating.Dating should be fun and not a source of stress.Mutual respect is crucial in any relationship.Modern dating challenges include ghosting and situationships.Safety tips for dating include doing background checks and trusting your gut.Humor can play a significant role in navigating relationships.It's essential to communicate openly about expectations in dating.Gabby's personal experiences provide relatable insights for listeners.

In this episode of the Boss Business of Surgery Series, Dr. Amy Vertrees sits down with Dr. Courtney McKeown, who shares her remarkable journey from navigating an operative gap to becoming chief of surgery at a rural hospital. Dr. McKeown opens up about the challenges she faced after being laid off from her first job, her prior recovery from substance use disorder, and the difficulties of securing a new position with a gap in her surgical practice. Together, Dr. Vertrees and Dr. McKeown dive deep into what it takes to return to surgery after time away, from licensing hurdles to credentialing committees, malpractice insurance, and professional references. The conversation also highlights the American Board of Surgery's reentry guidelines, state-specific policies on operative gaps, and the importance of supportive partners and mentorship during the reentry process. Now serving as chief of surgery, Dr. McKeown reflects on how her experience not only rebuilt her career but also brought life-changing surgical services to underserved communities. Her story is both a candid look at the obstacles surgeons face and an inspiring example of resilience, mentorship, and community impact. What You'll Learn in This Episode: The challenges of returning to surgery after an operative gap How state licensing boards and disciplinary history affect reentry The step-by-step process of hospital credentialing Why references and case logs are crucial for reentry Insights into the American Board of Surgery's reentry guidelines The role of mentorship and supportive partners in regaining confidence How Dr. McKeown expanded surgical services in rural Tennessee hospitals Resources & Action Items: 90-Day Notice Program for doctors seeking new positions – launching Sept 28 at 4 p.m. CT Click HERE Keep case logs organized (last 12 months, last 2 years, etc.) for credentialing American Board of Surgery Reentry Guidelines HERE Joint Commission FPPE Guidelines HERE Chapters: 00:00 – Introduction to Dr. McKeown's journey 01:14 – Background and initial challenges 04:01 – Finding a new position 05:44 – Licensing challenges 07:09 – State requirements for operative gaps 09:13 – Impact on board certification 10:36 – Reciprocal disciplinary actions 16:13 – Malpractice insurance considerations 17:22 – Reference challenges 19:43 – Finding the right practice environment 22:00 – Qualities to look for in partners 24:47 – Mutual benefits of mentorship 36:49 – Hospital credentialing process 42:08 – ABS reentry guidelines 46:58 – Gradual return to independent practice 56:42 – Current success as chief of surgery 59:57 – Expanding services and rural community impact 1:02:25 – Conclusion and future impact

Devotion is not discipline, loyalty, passion, or even commitment. It's an orientation of being that is irrevocable and unconditional—chosen from love, not forced by fear. In this solo episode, Andrew dismantles the common counterfeits of devotion, explains why self-devotion must come first, and shows how two people who choose true devotion create a container where love deepens, desire grows, and evolution is permissioned—not policed. What you'll learn • Devotion defined: Not what you do, but who you are while you do it. Identity, not strategy. • Irrevocability matters: Real devotion has no escape hatch. It doesn't depend on moods, convenience, or someone else's performance. • Devotion vs. discipline: One is love-fueled, fluid, and energy-giving; the other is fear-driven, rigid, and resentful. • Self-devotion first: Without it, you'll self-abandon, people-please, or demand others fill your void. • Devotion in relationship: Mutual, freely chosen surrender that creates safety to evolve, explore, and keep passion alive long term. • Counterfeits to watch for: Duty, loyalty, white-knuckled commitment, and performative spirituality masquerading as depth. • The reward: A container strong enough to carry greatness—in love, sex, health, craft, leadership, and spirituality. Key ideas & segments • Why the word “devotion” is abused online: Advice without embodiment cheapens the concept. • Essence over effort: A monk doesn't “do” devotion a few hours a day—he becomes it. • Freedom through permanence: Choosing an irrevocable path removes the exhausting “should I stay or go?” middle ground. • Permission to evolve: True devotion loves who your partner is, not what they do, which creates space for growth and exploration. • How fear sneaks in: When commitment is a survival strategy, you'll get stability without aliveness—and a ton of resentment. • Practical contrast (health example): Fear-based control drains; love-based devotion sustains. • Dominance & submission nuance: Disciplined pleasing creates collapse and resentment; devoted surrender lights both people up. Memorable lines • “Devotion isn't about gripping to commitment. It's who you are while you live, work, parent, and make love.” • “If you're devoted ‘for a year,' you're still in new-relationship energy. That's not devotion.” • “Discipline says, ‘I have to.' Devotion says, ‘I choose to. I'm grateful to.'” • “There are experiences you don't even get to start having until you've decided there's no backdoor.” • “My devotion is to her, not to what she does. That's why she has permission to evolve.” • “Counterfeit devotion is revocable and fear-based. Real devotion is irrevocable and love-fueled.” Who this is for • Men and women who are tired of performative love and want the real thing. • Couples who crave growing closeness and hotter sex years in, not just at the start. • Anyone ready to trade white-knuckled control for love-fueled liberation. Resources & Next Steps If you're ready to go deeper, explore our courses and offerings: • Rapture — a journey into devotional D/s and erotic embodiment. https://infinitedevotion.com/rapture • Becoming a Dominant Man — Andrew's path for men ready to lead with clarity and integrity. https://infinitedevotion.com/becoming-a-dominant-man • Structuring Your D/s Dynamic — build a relationship structure that actually works for you. https://infinitedevotion.com/structuring-your-ds-dynamic • OnlyFans. Take a look inside our bedroom. https://onlyfans.com/dawnofdesire ⸻ Stay Connected • Subscribe on Apple Podcasts, Spotify, and YouTube. • Join our email list for updates and new episodes: https://infinitedevotion.com • Follow us on Instagram: @_infinitedevotion. ⸻

With school back in session, we're visiting the faculty lounge at Madison High with three cast members from Our Miss Brooks in their roles as radio detectives. Gale Gordon sheds the stuffy suit of Principal Osgood Conklin as amateur sleuth Gregory Hood in "Murder in Celluloid" (originally aired on Mutual on July 2, 1946). Jeff Chandler leaves bashful biology teacher Mr. Boynton behind to travel to the Big Easy as Michael Shayne in "The Case of the Model Murder." And Gerald Mohr ditches the accent of French teacher Monsieur LeBlanche as Phillip Marlowe in "The Torch Carriers" (originally aired on CBS on January 7, 1950). Plus, we'll hear all three alongside Eve Arden in an episode of Our Miss Brooks (originally aired on CBS on February 20, 1949).

We're back in the theatre again with our Monday Matinee for the Mutual Present's addition from the Mutual Broadcasting System's classic shows. This week we continue Orson Welles, incredible seven part performance for Mutual of "Les Miserables"! And now, Part Two! Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Nick Girard joins me to dig into another week of manufactured emergencies and systemic collapse. From Trump's military occupation of DC, to Romana Didulo's arrest, to the slow-motion disaster of AI harms and ecological breakdown, it's all crisis all the time. We also talk about capitalism's state-capitalist mask slipping and the shifting views on socialism in the U.S.Nick is also sending out his book for free. Just reach out to him on Instagram at @nickdgirard or email me at mindofaskepticalleftist@gmail.com and we'll get you a copy.Solidarity is the strategy.Sourceshttps://www.removepaywall.com/search?url=https%3A%2F%2Fwww.nationalobserver.com%2F2025%2F09%2F03%2Fnews%2Fai-chatbots-are-changing-online-threat-landscape-ottawa-reviews-legislation https://globalnews.ca/news/11391128/saskatchewan-rcmp-richmound-investigation/https://www.cbc.ca/news/canada/saskatchewan/rcmp-richmound-didulo-1.7624038 https://leaderpost.com/news/sha-declare-queen-of-canadas-compound-a-threat-to-public-safetyhttps://www.independent.co.uk/news/world/americas/us-politics/trans-gun-ban-trump-mental-illness-b2820372.htmlhttps://climateandcapitalism.com/2025/09/07/60-of-land-area-is-now-out-of-the-safe-operating-zone/https://www.commondreams.org/news/we-are-all-dc-tens-of-thousands-march-to-white-househttps://www.cbc.ca/news/business/google-antitrust-order-1.7623824https://apnews.com/article/socialism-socialist-capitalism-big-business-free-enterprise-poll-c052ca687269a2cc075423877b7904e6 https://www.ft.com/content/db610f93-https://apnews.com/article/socialism-socialist-capitalism-big-business-free-enterprise-poll-c052ca687269a2cc075423877b7904e6d48d-4c49-a394-68aeee0500a6 Mutual aid shoutouts or action itemsSupport KJ's fight against a brain tumor — donate to the GoFundMe campaign for Eric's nephew: https://www.gofundme.com/f/help-kj-with-his-battle-against-a-brain-tumorRegina Cathedral Community Fridge — volunteer-run, 24/7 mutual aid fridge in Regina; feeding local neighbours every day. Help them here: https://www.cathedralcommunityfridge.com/https://linktr.ee/reginacommunityfridge Palestine Children's Relief Fund (PCRF) — offering medical care, food, and humanitarian aid to children and families in Gaza and the West Bank: https://www.pcrf.net/donateTaylor Mcnallie is an activist and organizer from out of Calgary Alberta who has a number of pages to help support others and also she needs help with legal fees after being targeted by the Calgary police for her activism  https://linktr.ee/taylor_mcnallie SomeRandomG33k gives a lot of their income to people in need so you can either donate to them through streamlabs https://streamlabs.com/somerandomg33k/tip or check out their charity links page https://charitylinks.page/ Check out Nick's book In the Beginning Buy Nick's book in Canada https://a.co/d/bbtJsT4Buy Nick's book in the US https://a.co/d/czu4MawNick on Instagram https://www.instagram.com/nickdgirard/ My links: https://linktr.ee/skepticalleftist 

We're back in the theatre again with our Monday Matinee for the Mutual Present's addition from the Mutual Broadcasting System's classic shows. This week we continue Orson Welles, incredible seven part performance for Mutual of "Les Miserables"! And now, Part Two! Learn more about your ad choices. Visit megaphone.fm/adchoices

Saudi Arabia and Pakistan sign mutual defence pact - Dr. Shahida Wizarat. by Radio Islam

In this week's episode Rabbi kohn discusses the Parshas powerful lesson on mutual responsibility. How Jews are not just responsible for each other physically but also spiritually. How the covenant that was bound in this week's Parsha has ramifications for each and every one of us. He also speaks about how the fact that we are "nitzavim"(standing) to proves that the hardships we have faced have been the tool that has made us great as a people. Subscribe to The Practical Parsha Podcast. For questions or comments please email RabbiShlomoKohn@gmail.com. To listen to Rabbi Kohn's other podcast use this link- the-pirkei-avos-podcast.castos.com/  If you would like to support this podcast please use this secure link to donate: SUPPORT THE PODCAST Chapters (00:00:00) - Practical Parasha Podcast: Rosh Hashanah(00:01:11) - The Parsha(00:05:11) - The Parsha of the Curses(00:11:42) - The Rule of Arvus in Judaism(00:17:23) - Parsha 3:8 The Final Redemption(00:21:24) - All the Blessings and The Curse

In this episode, Uzair Younus sits down with Kamran Bokhari to unpack the implications of the landmark Mutual Defence Agreement recently signed between Saudi Arabia and Pakistan. With both nations pledging that “any aggression against either country shall be considered an aggression against both,” the agreement marks a significant moment in bilateral military cooperation. Uzair and Kamran explore what motivated this pact, including the evolving regional security dynamics—particularly rising tensions from recent events in the Gulf—and what this means for both countries' sovereignty, deterrence capabilities, and diplomatic posturing.

How much you need to retire quiz: https://bit.ly/Adam-OlsonIs the $1 million retirement target really the magic number everyone needs to hit? In this episode, Adam Olson, CFP®, breaks down why that benchmark is a dangerous myth that keeps people working longer than necessary. Instead of chasing an arbitrary lump sum, Adam introduces the Rule of $1,000—a simple framework to calculate how much you actually need based on your desired monthly income.You'll discover:Why the “million-dollar myth” creates stress, burnout, and delayed retirementsHow the income replacement approach (70–85% of pre-retirement income) reveals your true numberThe role of Social Security, fixed income, and annuities in covering essential expensesHow to structure your money using the Red Zone Retirement Planning Process with the Go-Go, Slow-Go, and No-Go yearsSmart tax and spending strategies that stretch your dollars further and reduce financial anxietyWhether you've saved $300,000 or $3 million, this episode will give you clarity, confidence, and a blueprint for building a retirement plan that fits your life—not someone else's idea of “enough.”

Auto-Owners Mutual Insurance Company v. Beverly Granger

Are we getting too self-focused in marriage? In this episode, we unpack the cultural messages that push hyper-individualism (“fill your cup first”) and show why great marriages are actually built on mutual care, not solo self-care. We talk about healthy vs. overcorrected boundaries, why prosocial actions (doing good for your partner) boost your own mood, how to shift from short-term impulses to a long-term family vision, and practical ways to “out-love” each other in daily life. What you'll learn from this episode:  The trap of “me first” and how it quietly erodes connection Mutual care vs. self-care (and why you can't get to 100% alone) Boundaries that protect vs. boundaries that avoid A neuroscience-backed reason to give more (and feel better) How shared vision → shared sacrifice → shared joy Simple ways to prioritize your partner without losing yourself If this helped, drop a comment with your biggest takeaway, hit

MUTUAL PRESENTS: RETRO-ROCKETS! Crisis on Titan On one of the many moons of Saturn, a troop of Interplanetary Soldiers have been given scut-duty: digging in the dirt to find an element vital to the survival of Earth and other planets. They long to get back to the job they were trained for: fighting whatever enemy is before them. These hard-bitten grunts soon get more than they bargained for, when the enemy takes over the garrison they'd left just a few hours before! Crisis on Titan first appeared in Planet Stories magazine, and was adapted for this series by Pete Lutz from the short story by James R. Adams. CAST: Andy Hartson-Bowyer as SGT. HALLIHAN Ebony Rose as CORPORAL RODRIGUEZ and Carole Krohn as CAPTAIN STALEY The voices of the SOLDIERS were by Julie Krohn and Pete Lutz The sounds of the THE BARBER'S DELIGHTS and THE SQUEAKERS were by Julie Krohn

We're back to Sunday Showcase's Mutual Presents as we introduce another favourite from the Mutual Broadcasting System, our spiritual forefather to the Mutual Audio Network- Welcome to "The Crime Club"! The Crime Club aired on the Mutual Broadcasting System as a half-hour weekly radio series, beginning on December 2, 1946 and continuing until October 16, 1947, a run of 47 episodes. It aired on Mondays at 8 p.m. through December and then on Thursdays at 10 p.m. It was also heard on Wednesdays and Sundays on some stations. Each installment was introduced by the series host, The Librarian, portrayed by Barry Thomson and Raymond Edward Johnson (who was perhaps better known as the host of Inner Sanctum Mysteries). The series featured murder and mystery dramas, some of which had already been published by the Doubleday Crime Club. A new Crime Club book was made available to the public each week and distributed though local newsstands and bookstores. Each show in the series began the same way. The telephone rings and the Librarian answers "Hello, I hope I haven't kept you waiting. Yes, this is the Crime Club. I'm the Librarian. (name of the program)? Yes, we have that Crime Club story for you. Come right over. (The organist plays a creepy tune). The doorbell chimes. "Ah you're here. Good. Take the easy chair by the window. Comfortable? The book is on this shelf." (The organist plays a scary chord). Here it is - (name of the program, the author and a very brief summary). "Let's look at it under the reading lamp." The Librarian begins reading the prologue for the tale, and another Crime Club offering begins. This week we start things off with "Death Blew Out the Match" and "Mr. Smith's Hat"! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Sunday Showcase! As MONA provides the rundown of this week, Jack is busily working on the soft Beta release of the new Mutual website. Our trilogy is Sonic Society #869, Project Audion #74: Gunsmoke, and Mutual Presents- Crime Club #6.18! Learn more about your ad choices. Visit megaphone.fm/adchoices

We're back to Sunday Showcase's Mutual Presents as we introduce another favourite from the Mutual Broadcasting System, our spiritual forefather to the Mutual Audio Network- Welcome to "The Crime Club"! The Crime Club aired on the Mutual Broadcasting System as a half-hour weekly radio series, beginning on December 2, 1946 and continuing until October 16, 1947, a run of 47 episodes. It aired on Mondays at 8 p.m. through December and then on Thursdays at 10 p.m. It was also heard on Wednesdays and Sundays on some stations. Each installment was introduced by the series host, The Librarian, portrayed by Barry Thomson and Raymond Edward Johnson (who was perhaps better known as the host of Inner Sanctum Mysteries). The series featured murder and mystery dramas, some of which had already been published by the Doubleday Crime Club. A new Crime Club book was made available to the public each week and distributed though local newsstands and bookstores. Each show in the series began the same way. The telephone rings and the Librarian answers "Hello, I hope I haven't kept you waiting. Yes, this is the Crime Club. I'm the Librarian. (name of the program)? Yes, we have that Crime Club story for you. Come right over. (The organist plays a creepy tune). The doorbell chimes. "Ah you're here. Good. Take the easy chair by the window. Comfortable? The book is on this shelf." (The organist plays a scary chord). Here it is - (name of the program, the author and a very brief summary). "Let's look at it under the reading lamp." The Librarian begins reading the prologue for the tale, and another Crime Club offering begins. This week we start things off with "Death Blew Out the Match" and "Mr. Smith's Hat"! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Sunday Showcase! As MONA provides the rundown of this week, Jack is busily working on the soft Beta release of the new Mutual website. Our trilogy is Sonic Society #869, Project Audion #74: Gunsmoke, and Mutual Presents- Crime Club #6.18! Learn more about your ad choices. Visit megaphone.fm/adchoices

How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I'll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You'll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don't trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.

Your home is often one of your largest assets—but how do you actually use that equity to improve your lifestyle, reduce financial stress, or create a safety net? In this week's episode, host David Chudyk, CFP®, is joined by Archie Johnson of Mutual of Omaha Mortgage to explore how retirees and high earners can strategically access their home's equity.They break down how tools like the Home Equity Conversion Mortgage (HECM) can eliminate mortgage payments, provide a line of credit, and even help buffer against market downturns. This strategy can free up cash for travel, family support, long-term care needs, or simply enjoying retirement without financial worry.What You'll Learn in This Episode✅ Why home equity is often an untapped piece of your net worth.✅ How retirees can eliminate monthly mortgage payments without draining their investments.✅ The role of home equity in protecting against sequence-of-returns risk during market downturns.✅ Real-world ways clients have used freed-up cash—travel, family gifts, long-term care, and more.✅ The FHA's protections and counseling requirements that ensure retirees make informed decisions.✅ How HECM loans differ from traditional mortgages and what happens when a borrower passes away.✅ The flexibility of using home equity for both refinancing and purchasing a new home.Key Quote from Archie Johnson“For the right person, a Home Equity Conversion Mortgage can be life-changing. It's not about debt—it's about freedom, flexibility, and creating options in retirement.”Connect with Our Guest

This week's Product Call is one you don't want to miss!

Ryan Rugg, Global Head of Digital Assets for Citibank's Treasury and Trade Solutions (TTS), discusses their approach to integrating Web 2.0 and 3.0. She shares insights on Citi Token Service, a new solution designed to provide 24/7 liquidity and borderless transactions, and explains how it simplifies user experience by obfuscating blockchain complexity. Key Takeaways:  The future potential of digital assets and blockchain technology in transforming financial services and enabling faster, more efficient transactions globally The importance of regulatory compliance and collaboration with regulators to ensure responsible innovation The value of daily standups in driving agile development Mutual learning opportunities between traditional finance institutions and Web 3.0 projects Guest Bio: Ryan Hugg is the Global Head of Digital Assets for Citibank's Treasury and Trade Solutions (TTS), helping clients streamline treasury, payments, and commerce. She recently led the launch of Citi Token Services, a blockchain-based solution enabling 24/7 liquidity transfers and integrating tokenized deposits and smart contracts into Citi's global network. Previously, Ryan led IBM's Americas blockchain team, advising clients on tokenization, identity, and sustainability strategies. Her team helped launch New York's Excelsior Pass, a digital health wallet used by millions, now serving as a model for other credential systems. A passionate advocate for diversity in leadership, she has led multiple initiatives to advance female representation, and mentors emerging leaders toward executive roles. ---------------------------------------------------------------------------------------- About this Show: The Brave Technologist is here to shed light on the opportunities and challenges of emerging tech. To make it digestible, less scary, and more approachable for all! Join us as we embark on a mission to demystify artificial intelligence, challenge the status quo, and empower everyday people to embrace the digital revolution. Whether you're a tech enthusiast, a curious mind, or an industry professional, this podcast invites you to join the conversation and explore the future of AI together. The Brave Technologist Podcast is hosted by Luke Mulks, VP Business Operations at Brave Software—makers of the privacy-respecting Brave browser and Search engine, and now powering AI everywhere with the Brave Search API. Music by: Ari Dvorin Produced by: Sam Laliberte  

This dialogue reveals a spiritual community grappling with contemporary challenges through the lens of mystical Christianity and esoteric spirituality. The central presentation by Doug Scott introduces what he terms a "spiritual technology" - the practice of kenosis or mutual abiding - as a method for transforming personal and political anger into spiritual breakthrough. Core Theological Framework Doug Scott presents kenosis, a concept from mystical Christianity meaning "self-emptying," as a practical spiritual method. His framework suggests that divine reality operates through a continuous dance of giving and receiving between the Creator and creation. Rather than viewing God as a distant transcendent force, he describes a panentheistic reality where the divine simultaneously contains all things while dwelling intimately within them. The process he outlines follows a specific pattern: reaching complete personal incapacity, surrendering control through prayer and invitation, experiencing divine presence as "golden light" or "holy burning," and allowing this presence to perform transformation that individual effort cannot achieve. This mirrors the first three steps of Alcoholics Anonymous, which Doug explicitly connects to mystical Christian tradition. Personal Crisis as Spiritual Catalyst Doug's vulnerability in sharing his anger toward his Trump-supporting father serves as a case study for the broader group. His experience illustrates how political and family tensions can create spiritual crisis - what he describes as "unbearable tension" leading toward depression. Rather than treating this crisis as pathology, he reframes it as necessary spiritual material. The dreams he describes - featuring themes of chakra blockage, forgiveness, and embodiment - function as internal guidance pointing toward the need for surrender. His breakthrough comes not through psychological analysis or willpower, but through what he characterizes as genuine spiritual intervention following sincere invitation. Community Resonance and Validation The responses from other participants reveal this is not an isolated experience. Sirak's workplace conflict resolution, Barbara's transformation of hatred toward her mother, Neal's ongoing struggle with neighbors and family, and Clara's family reunion insights all demonstrate variations on similar themes: the insufficiency of personal effort alone and the transformative power of surrender. Troy's contribution about his spiritual directee - a naturally gracious minister now experiencing unprecedented anger - suggests these challenges may be collectively experienced rather than purely individual. This frames current political tensions as spiritual catalyst for shadow work rather than mere social discord. Integration Challenges and Ongoing Work Doug's honesty about the persistence of angry thought forms even after breakthrough points to the ongoing nature of this spiritual work. His description of "luminous darkness" versus "alienating darkness" suggests transformation involves learning to hold difficult emotions within expanded spiritual capacity rather than eliminating them entirely. The group's emphasis on becoming "vessels" or "chalices" of love indicates their goal extends beyond personal healing toward service. This connects individual transformation to broader social healing, positioning spiritual practice as response to collective crisis. Critical Assessment While participants report meaningful personal experiences, several aspects warrant careful consideration. The framework relies heavily on subjective experience and religious interpretation that may not translate across different spiritual backgrounds. The emphasis on surrender, while psychologically sound in many contexts, could potentially be problematic if it discourages appropriate action or enables passive acceptance of genuinely harmful situations. The political dimension presents particular complexity. While using current tensions as spiritual catalyst has merit, there's risk of spiritualizing away legitimate concerns about policy impacts on vulnerable populations. The framework would benefit from clearer guidance about when spiritual surrender is appropriate versus when external action remains necessary. Additionally, the group's homogeneous perspective - all participants seem to share similar political views and spiritual inclinations - may limit their ability to truly bridge divides they're attempting to heal through spiritual practice. Practical Applications The dialogue offers several concrete practices: reaching genuine acknowledgment of personal limitation, sincere invitation for divine assistance, and willingness to serve as conduits rather than sources of love. The emphasis on process over outcome - transformation as gift rather than achievement - provides framework for sustained spiritual practice during difficult periods. The integration of contemplative Christianity with contemporary spirituality demonstrates how traditional mystical practices can address modern psychological and social challenges. The group's commitment to vulnerability and mutual support models healthy spiritual community during polarized times. This conversation ultimately presents kenosis not as abstract theology but as lived practice for navigating personal crisis and social division through spiritual transformation. Whether one accepts the specific theological framework or not, the underlying principles of surrender, community support, and service orientation offer valuable approaches to contemporary challenges.

How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I'll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You'll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don't trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.

What if your portfolio could help advance justice, compassion, and human flourishing?Aligning your investments with your faith isn't just about avoiding harm—but actively shaping the world around them for good. Stella Tai joins us to talk about how investors are putting their values to work in the marketplace.Stella Tai is the Stewardship Investing Impact and Analysis Manager for Praxis Investment Management, an underwriter of Faith & Finance.Faith-Based Investing in Action: Praxis' 2024 Impact ReportFor many believers, investing isn't just about building wealth—it's about aligning financial decisions with faith values. Praxis Investment Management, a pioneer in faith-based investing since 1994, continues to demonstrate how Christians can utilize their investments to promote justice, compassion, and tangible change in the world. In its latest Impact Report, Praxis highlights how investor dollars are transforming communities and influencing some of the world's largest companies.Shaping a more just and compassionate world is something that's important to many investors, particularly those of faith. Praxis' annual report reveals where the money goes and how it's used, inspiring others to view their investments as powerful tools for making a difference.Praxis organizes its efforts around seven “impact strategies,” which support underserved communities, promote responsible business practices, and bring faith into everyday financial decisions.Speaking Truth to Power: Shareholder AdvocacyOne highlight of the report is Praxis's work in shareholder advocacy with global brands like Nike.Nike employs over a million people worldwide, many of whom are based in vulnerable regions. Praxis is part of a coalition pushing for stronger human rights protections in the supply chain, including safeguards against wage theft and exploitation. Every worker deserves to have their God-given dignity respected.Praxis is also collaborating with companies such as Coca-Cola and Nestlé to address child labor and wage theft in the global sugar supply chain, advocating for third-party audits and increased transparency.Positive Impact Bonds: Financing ChangeBeyond advocacy, Praxis invests in bonds that directly benefit communities. Recent purchases include:World Bank IDA Program Bonds, targeting extreme poverty with measurable results.Green and Sustainable Bonds from Freddie Mac, which expand affordable housing and environmental stewardship.These investments generate jobs, improve access to healthcare, and help communities thrive—all while providing competitive financial returns.Real Stories of TransformationPraxis' report also shares stories of hope, such as the expansion of Always Keep Progressing, a Miami therapy center that serves children with special needs. Through investment partnerships, the clinic now helps more than 400 families.This is redemptive investing in action. It's about fostering human flourishing, not just financial gain.Praxis also partners with Community Development Financial Institutions (CDFIs) and credit unions that serve neighborhoods often overlooked by traditional banking systems. These organizations offer small business loans, enhance access to healthcare, and provide support to underserved rural and urban areas.Whether here in the U.S. or abroad, CDFIs are helping communities gain access to capital and create opportunities.The Momentum of Faith-Based InvestingMore Christians are realizing that their portfolios can reflect their values.Scripture calls us to care for the poor, the widow, the orphan, and the foreigner. When our faith aligns with our financial actions, even small changes can move markets toward justice.This includes proxy voting, which Praxis views as a form of corporate discipleship—using investor influence to advocate for fair labor, environmental stewardship, and other critical issues.How to Get StartedStart by asking yourself a simple but important question: “Do my investments reflect my faith values?” If the answer is no—or you're not sure—consider talking with a financial professional who understands faith-based investing. Every investor, whether managing a little or a lot, can play a role in shaping a redemptive economy. That's why we recommend connecting with a Certified Kingdom Advisor (CKA). To find one near you, visit FaithFi.com and click “Find a Professional.”Praxis' Impact Report offers practical insights and inspiring stories of transformation. You can access it at PraxisInvests.com, along with quarterly updates and resources to help you make informed, faith-driven investment decisions.On Today's Program, Rob Answers Listener Questions:I'd like to set up a trust that distributes money to my children monthly after my death, rather than giving them a lump sum. How is a trust manager typically compensated? Are they paid with each monthly distribution, or do they take a percentage?I'm 71, retired, and using a managed account to supplement my retirement income by withdrawing about 4.2% annually. Is this a wise approach for sustaining my retirement, or should I consider other strategies?I just turned 66 and plan to file for Social Security soon. My goal is to be debt-free by the time I retire. Should I use my Social Security benefits over the next couple of years to pay off my mortgages so I can enter retirement without debt?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Praxis Investment ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In today's Spiritual Foundation Episode, I talk about Hebrews 13: 1-8, 15-16. I talk about how mutual love and hospitality are about ethics.  I also share how we are called to be the sign that there is love in the world, but we are all in it together.   Show Notes and Resources.