Podcasts about online

Senator Chuck Grassley (R-Iowa) sits down with Dr. Phil to discuss how violent and extremist networks are targeting childrenand vulnerable people online. The FBI warns that these groups target victims on social media, gaming and mobile apps, and other online platforms. It is also reported that these networks operate within the United States and globally, using grooming tactics along with threats to coerce and extort victims into producing, sharing, or live-streaming acts of self-harm, sexually explicit content, animal cruelty, and/or suicide. Senator Grassley will discuss how he is fighting to protect victims by the introducing 3 bi-partisan bills that will update federal sentencing guidelines, target violent onlinecriminal networks, and crack down on sextortion threats.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Online courses are everywhere! Some cost $20 and others cost $2,000 or more. Why is there no consistency in pricing—and how can you determine what *your* price should be? Side Hustle School features a new episode EVERY DAY, featuring detailed case studies of people who earn extra money without quitting their job. This year, the show includes free guided lessons and listener Q&A several days each week. Show notes: SideHustleSchool.com Email: team@sidehustleschool.com Be on the show: SideHustleSchool.com/questions Connect on Instagram: @193countries Visit Chris's main site: ChrisGuillebeau.com Read A Year of Mental Health: yearofmentalhealth.com If you're enjoying the show, please pass it along! It's free and has been published every single day since January 1, 2017. We're also very grateful for your five-star ratings—it shows that people are listening and looking forward to new episodes.

In this episode, I break down why logical explanations, reassurance, and “talking it through” so often backfire when your child has OCD. While rationalizing may feel supportive and calming in the moment, it actually feeds the OCD cycle and strengthens your child's need for certainty.I explain what OCD really is, how it operates in the brain, and why it isn't a problem of logic or understanding. You'll learn why reasoning with OCD increases doubt instead of resolving it, and how these well-intentioned responses can unintentionally keep your child stuck.Most importantly, I share a different way to respond, one that supports your child without engaging the OCD, reduces family exhaustion, and helps you feel more confident in the moment.This episode is for parents who feel like they are constantly explaining, reassuring, or debating—and are ready for a more effective approach.Video on What is OCDOCD Card Deck***This podcast episode is sponsored by NOCD. NOCD provides online OCD therapy in the US, UK, Australia and Canada. To schedule your free 15 minute consultation to see if NOCD is a right fit for you and your child, go tohttps://go.treatmyocd.com/at_parentingThis podcast is for informational purposes only and should not be used to replace the guidance of a qualified professional.Parents, do you need more support?

Use code "WILLCLARKE20" to gain 20% off pointblank LA or Online courses (excluding only degree programmes), or follow the link https://bit.ly/willclarkepbSign up for the latest podcast info - https://laylo.com/willclarke/uqFWnJKaPodcast Overview: In this conversation, Shadow Child aka Simon Christopher Bird sits down with Will Clarke to talk about his new album A Break In The Clouds and where he's at creatively. Simon reflects on reinvention, longevity, and the pressure of evolving in a constantly changing dance music landscape. He opens up about the grind of the modern industry, blocking out the noise, and reconnecting with the reasons he started making music in the first place.Who is Shadow Child: Who is Shadow Child: Two decades into his career, Shadow Child announces his debut album A Break In The Clouds, a vivid chronicle of his musical journey. Emerging from the rave, breakbeat, hardcore, and jungle scenes of the '90s UK, Shadow Child first came to prominence as Dave Spoon with global residencies and hit remixes for artists like Pet Shop Boys and Dizzee Rascal. As Shadow Child, he's carved a niche in deep house and bass-driven dance music, blending euphoric vocals with rave-inspired beats. A Break In The Clouds celebrates Simon's full musical spectrum – from shuddering breakbeats and UK garage grooves to introspective, emotive moments – showcasing the confidence and freedom of an artist at the peak of his craft. Beyond the music, Simon mentors emerging artists and champions wellness in the industry, balancing high-energy performances with a thoughtful, grounded approach to his career.⏲ Follow Will Clarke ⏱https://djwillclarke.com/https://open.spotify.com/artist/1OmOdgwIzub8DYPxQYbbbi?si=hEx8GCJAR3mhhhWd_iSuewhttps://www.instagram.com/djwillclarkehttps://www.facebook.com/willclarkedjhttps://twitter.com/djwillclarkehttps://www.tiktok.com/@djwillclarke Hosted on Acast. See acast.com/privacy for more information.

In today's episode, I'm joined by Gerard Scarpaci, co-founder of Hairbrained and host of the Hairbrained Conversations podcast. We talk about the big shifts happening in hairdressing right now, how the next generation learns differently, and why the old business models have been turned on their head. Gerard shares what excites him most about the industry today, but he's also refreshingly honest about the risks, particularly around lack of direction, mentorship, and the pressure many hairdressers are carrying without even realising it.We also dig into job satisfaction, education, live events, the changing relationship between salons and manufacturers, and why content creation is becoming one of the biggest opportunities for young hairdressers today. This is a wide-ranging, honest conversation about what it really takes to build a sustainable, fulfilling career in today's salon business.IN THIS EPISODE:[00:00] Welcome and Introducing Gerard Scarpaci [01:48] What excites Gerard about the industry today[05:00] The concerns and risks of increased independence[09:00] The Hairbrained Confidence Index explained[12:36] Why industry data is emotional, not scientific[16:26] What successful salons are doing differently[17:56] Job satisfaction, pressure, and performance[23:08] Learning, relevance, and modern education challenges[29:36] Fundamentals vs "timely and relevant" learning[32:32] The changing relationship between brands and salons[37:00] Online education, live events, and what's working now[44:28] Opportunities for the next generation of hairdressers[48:00] Where to connect with Gerard and closing thoughtsWant MORE to help you GROW?

Send a textWelcome to this episode of the Sexier than a Squirrel podcast, the podcast that brings you real-life dog training results, and sometimes human training ones too!This week, Lauren is joined by the brilliant Rosanne Calabrese for a conversation that switches the spotlight from our dogs back onto us. Together, they explore what happens when dog people put everyone else first – and why our own health and wellbeing is just as important.From food, energy, gut health, stress, and genetics, to the simple daily habits that shape how we feel, move, think, and show up for our dogs, this episode is a powerful reminder that you can't pour from an empty cup. If you've ever been meticulous about what your dog eats, how they're exercised, and how their environment is set up – while barely giving yourself a second thought – this one's for you.Rosanne shares practical, no-nonsense insights into nutrition without counting, weighing, or obsessing (no monkey measures here!) including why hydration matters, how environment can switch genes on or off, and why eating more simply can lead to more energy, clarity, and resilience. Lauren also opens up about her own recent health wake-up call, making this a refreshingly honest and relatable conversation.This episode isn't about perfection, restriction, or giving everything up. It's about easy wins, sustainable changes, and doing something for yourself – so you can keep showing up as the human your dog needs at the end of the lead.If you've ever thought, “I'll look after myself later”, consider this your nudge to start now.Keen to learn more? Join “the Blondie and the Brunette” for the ultimate Health & Wellness Retreat from 13th to 20th March 2026 at Bowerland - the home of absoluteDogs. Online and in person options available. https://www.devondogs.co.uk/product/health-retreat-13-mar-26/  Support the showIf you're loving the podcast, you'll love our NEW Sexier than a Squirrel Dog Training Challenge even more! Get transformational dog training today for only £27!Want even more epic dog training fun and games and solutions to all your dog training struggles? Join us in the AbsoluteDogs Games Club!https://absolutedogs.me/gamesclub Want to take your learning to the next level? Jump into the games-based training membership for passionate dog owners and aspiring trainers that know they want more for themselves and their dog - Pro Dog Trainer Club! https://absolutedogs.me/prodogtrainerclub And while you're here, please leave a review for us and don't forget to hit share and post your biggest lightbulb moment! Remember, no matter what struggles you might be facing with your dog, there is always a game for that!

What did you think of this episode?Video isn't the go-to for many writers and speakers. Yet, today's guest provides five key reasons to jump on the professional video bandwagon.Welcome to Your Best Writing Life, an extension of the Blue Ridge Mountains Christian Writers Conference held in the beautiful Blue Ridge Mountains of NC. I'm your host, Linda Goldfarb. Each week, I share tips and strategies from industry experts to help you excel in your craft and expand your reach. I'm so glad you're listening in. In this episode, you'll learn 5 Reasons an Author Needs Professional VideoMy industry expert, Andrew Hamlet, is a filmmaker, writer, and creative director at Hamlet Productions LLC. He crafts cinematic stories across film, music, and live events, blending faith, technology, and emotion. Known for ambitious world-building and meticulous production, he partners with brands, ministries, and artists to tell meaningful, high-impact stories for worldwide audiences with boldness.5 Reasons an Author Needs Professional Video1. Video Builds Instant Trust and ConnectionProfessional video allows readers to see your face, hear your voice, and connect with your message before they ever open your book. This builds credibility and deepens audience engagement.2. Video Drives Social EngagementSocial platforms prioritize video content. A polished video grabs attention quickly, increases engagement, and helps your message cut through the noise.3. Video Helps You Sell Without 'Selling'Cinematic trailers, storytelling clips, and short author messages communicate emotion and purpose in seconds—creating interest and boosting book sales naturally.4. Video Increases Speaking and Media OpportunitiesEvent planners, podcasts, and conferences want to see how you communicate. A professional video reel increases your chances of being booked and paid for appearances.5. Video Turns Your Book Into a BrandVideo expands your message into courses, workshops, digital products, communities, and more—transforming your book into the foundation of a broader brand. Use your videos for Courses, Workbooks, Devotionals, speaking topics, Online communities, Digital products, and Ongoing content series.LINKSAndrew HamletAndrew Hamlet on LinkedIn Visit Your Best Writing Life website.Join our Facebook group, Your Best Writing LifeYour host - Linda Goldfarb#1 Podcast in the "Top 50+ Must-Have Tools and Resources for Christian Writers in 2024". Awarded the Spark Media 2022 Most Binge-Worthy PodcastAwarded the Spark Media 2023 Fan Favorites Best Solo Podcast

Links to baits mentioned:• S-Waver 168 – an excellent entry-level glide that most anglers can throw on gear they already own.https://amzn.to/4c78Rvm• G-Ratt Baits Pistol Pete – Compact glide, lighter and able to throw on non-specialized combos.https://darkhorsetackle.com/products/untitled-dec18_10-57?variant=51289084821800 • Deps Slide Swimmer 175 – a smooth, refined mid-range option when you're ready to step up.https://amzn.to/4qZ7Lqm • Roman Made Negotiator – a premium glide for anglers ready to fully commit.https://www.tacklewarehouse.com/Roman_Made_Negotiator_Swimbait/descpage-RMMNSB.html • KGB Chad Shad x Spro – a great example of a collaboration bait that brings a proven custom design into a more affordable price range.https://amzn.to/4buzzhmConsider supporting the show by using the links below, as always; share this show with your fishy friends!Online

Table of Contents: PRAYER TO NEUTRALIZE OCCULT RITUALS Chicago Transgender Abomination Nurse Gives Fellow Liberal Leftist Nurses A Morality Lesson And Suggests Letting Federal Police Bleed Out and Die! Imagine if a Christian Posted Something like this Online!!! Exposing Saint Jude's Children's Research Hospital with The Word of God SHOCKING: Canada Euthanizes a Young & Healthy 26-Year-Old for ‘Depression’ Satanic Public School System Behavior–Islamic Devils Hand Out Hijabs, Korans, and Sharia Law pamphlets during lunch inside a North Texas high school!!! Christian organizations not welcome! Your City Is Recording Your Voice (Flock’s New AI System) AI Is Listening Inside Of Some Public Bathrooms Now ($5M Surveillance System) “BIG WARNING”: AI Bots Just Built Their Own Social Network, Catch Humans ‘Screenshotting’ Their Chat Six corporations control ninety percent of everything you watch, read, and hear in America! India Introduces Monthly CBDC-Based ‘Digital Food Coupons’ Directly Deposited Into Digital ID Wallets Under Rationing Scheme ‘Mystery Seeds’ From China Flood Texas Mailboxes, Possibly Testing America’s Bio-Security System “Intent to Spread”: Biolab Discovered In Las Vegas Had Biological Materials, Connected to China @annvandersteel–Help me understand: The elderly mother of a relatively unknown news celebrity goes missing, and it's 24/7 news coverage on every network. But: Roughly 330,000–460,000 children are reported missing annually in the US — MEDIA SILENT. The Guttmacher Institute reported there were 930,160 abortions in 2020 in all 50 states and the District of Columbia— MEDIA SILENT, Tens of thousands of women and children are trafficked OUT of the United States each year — MEDIA SILENT. Hundreds of thousands of unaccompanied migrant children are lost track of by HHS after placement — MEDIA SILENT. Cartel-run child labor rings operate openly in dozens of American cities — MEDIA SILENT. Thousands of American girls are groomed and trafficked domestically every year — MEDIA SILENT. Record numbers of fentanyl overdoses kill young Americans daily — MEDIA SILENT. Border towns overwhelmed by violence, drugs, and human smuggling — MEDIA SILENT. Veterans sleeping on the streets while illegal migrants get hotel rooms — MEDIA SILENT. Schools failing to protect children from predators in bathrooms and locker rooms — MEDIA SILENT. 80,000 Toxins Every Day!! – The Deadly Truth About Your Food, Water, Skincare & Morning Coffee!! TRILLIONS of Microplastics in one PAPER coffee cup! | Endocrine Disruptors – PAPER Coffee cup liners are a huge overlooked contributor to microplastic accumulation in your body! Yes, there is a polyethylene liner in your paper coffee cup & the hotter the liquid, the greater the breakdown of this polyethylene lining! PDF: Emergency Freedom Alerts 2-9-26 Click Here To Play The Audio Source

Dr. Kathryn Paige Harden, PhD, is a psychologist, behavioral geneticist and professor of psychology at the University of Texas at Austin. We discuss how genes interact with your upbringing to shape your level of risk-taking and morality. We also discuss how genes shape propensity for addiction and impulsivity in males versus females. Finally, we discuss how biology impacts societal views of sinning, punishment and forgiveness. Read the episode show notes at hubermanlab.com. Pre-order Protocols: https://go.hubermanlab.com/protocols Thank you to our sponsors AG1: https://drinkag1.com/huberman BetterHelp: https://betterhelp.com/huberman Lingo: https://hellolingo.com/huberman Our Place: https://fromourplace.com/huberman Helix Sleep: https://helixsleep.com/huberman Timestamps (00:00:00) Kathryn Paige Harden (00:03:10) Adolescents, Genes & Life Trajectory; Adolescence Ages (00:06:44) Puberty, Aging & Differences; Epigenome; Cognition (00:14:05) Sponsors: BetterHelp & Lingo (00:16:45) Puberty Onset & Family; Communication & Empathy (00:22:26) 7 Deadly Sins, Substance Use & Conduct Disorders, Genes (00:27:33) Family History; Genes & Brain Development (00:33:05) Personality & Temperament, Motivation, Addiction; Trauma (00:37:59) Knowing Genetic Risk & Outcomes; Understanding Family History (00:46:06) Sponsor: AG1 (00:46:57) Genetic Information & Decision Making; Personal Identity & Uncovering Family (00:52:12) Nature vs Nurture, Bad Genes?; Aggression, Childhood & Males (01:00:17) The Original Sin; Whitman Case & Brain Tumor; Genetic Predisposition (01:10:31) Free Will; Genes & Moral Judgement; Skillful Care for Kids; Social Cooperation (01:21:03) Breaking the Cycle; Genetic Recombination & Differences; Identity (01:25:21) Sponsor: Our Place (01:27:01) Status, Dominance, Science; Positive Attributes of Negative Traits (01:36:15) Relational Aggression & Girls; Male-Female Differences & Conflict (01:40:36) Genes, Boys vs Girls, Impulse Control (01:45:00) Behavior Punishment vs Rewards, Responsibility (01:51:29) Sponsor: Helix Sleep (01:53:03) Accountability; Suffering, Cancel Culture & Punishment (02:00:01) Life Energy & Punishment, Prison (02:08:16) Backward vs Forward-Looking Justice; Forgiveness, Retribution, Power, Choice (02:16:11) Reward, Unfairness & Inequality (02:21:59) Punishment, Reward & Power; Online vs In-Person Communities (02:29:49) Identical Twin Differences; Genetic Influence & Age; Sunlight & Genes (02:39:24) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

Sunday, February 8, 2026 I Ecclesiastes 3:1-8 MEV To support the ministry:  Online: www.woffamily.org/give Text: Text "WOF" to 73256 Mail In: Word of Faith Family Worship Cathedral - 212 Riverside Pkwy, Austell, GA 30168 

Send us a textIn this episode of The Incubator, Ben and Daphna return from the Delphi Conference to dive back into Journal Club. They review the highly anticipated TORPIDO 30/60 trial published in JAMA, comparing initial oxygen concentrations of 30% versus 60% for preterm resuscitation. The hosts discuss the primary outcomes of survival and brain injury, while highlighting intriguing secondary findings regarding chest compressions and epinephrine use in the delivery room. They also share exciting updates on the Vermont Oxford Network collaboration and a new family study from the GFCNI.----Targeted Oxygen for Initial Resuscitation of Preterm Infants: The TORPIDO 30/60 Randomized Clinical Trial. Oei JL, Kirby A, Travadi J, Davis P, Wright I, Ghadge A, Yeung C, Cruz M, Keech A, Hague W, Lui K, Vento M, Gordon A, De Waal K, Chaudhari T, Hong TSL, Morris S, Kushnir A, Bonney D, Tracy M, Kumar K, Chhnia AS, Baral VR, Muniyappa P, Cheah FC, Sarnadgouda P, Rajadurai VS, Balakrishnan U, Oleti TP, Aldecoa-Bilbao V, Couce ML, Collados CT, Fernández RE, Moliner E, Ruiz Gonzalez MD, Singhal M, Agrawal G, Singh J, Pal S, Nayya S, Arora R, Amboiram P, Simes J, Tarnow-Mordi W; TORPIDO30/60 Collaborative Group.JAMA. 2025 Dec 10:e2523327. doi: 10.1001/jama.2025.23327. Online ahead of print.PMID: 41369162Support the showAs always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below. Enjoy!

Did anyone else notice the Super Bowl field design — and what the colors appeared to represent?

International opposition to Trump and ICE shape opening of Milan Olympics / Minnesota police riot against protesters outside Whipple Federal building / “They represented Marathon, not us”: Refinery workers denounce USW sellout in national pattern deal / Online meeting: The Nurses' Strikes and the Movement Against Dictatorship

LIVE TRAINING: How to create a THRIVING product business WITHOUT relying on marketsYou're about to learn how to DOUBLE the amount you make at markets with ONLINE orders that DON'T require you to work every single weekend.With a plan that's broken down into 3 ingredients that anyone can follow to grow their online sales. These are the exact ingredients I created that allowed me to grow my skincare business to $250K organically in 3 years.And it's the exact ingredients my students follow in my program, Product Biz Academy, to see their OWN $10,000 online sales months and $15,000 online sales months.This training will show you how to:Go from 5 online orders a month... to 50+ online orders per WEEKReplace in-person market income ENTIRELY with online sales that DON'T require working every weekend.Reach an outside audience online, get them interested and over to your website, AND have them actually BUYAvailable until THIS Thursday at midnight only. Watch the video replay here: www.monicalittlecoaching.com/trainingDoors are open to PBA until this Thursday. Enroll at www.monicalittlecoaching.com/promo

#FenceFam If you missed... You missed big!!! Listen in on the live with Joe, Craig, and myself at Back 9 as 1,000+ guys and gals come in for the epic pre party with free golf, food, and drink!!! See you next year in Phoenix 2027!!!   Fence Games Here: https://www.eventbrite.com/e/fence-games-2026-hosted-by-custom-machine-motioneering-inc-tickets-1790556575919?aff=ebdssbdestsearch   Cheers! Remember to like, share, comment and REVIEW! The Fence Industry Podcast Links: IG @TheFenceIndustryPodcast FB @TheFenceIndustryPodcastWithDanWheeler TikTok @TheFenceIndustryPodcast YouTube @TheFenceIndustryPodcastWithDanWheeler Visit TheFenceIndustryPodcast.com Email TheFenceIndustryPodcast@gmail.com Mr. Fence Companies:  IG @MrFenceAcademy FB @MrFenceAcademy TikTok @MrFenceAcademy YouTube @MrFenceAcademy Mr. Fence Tools https://mrfencetools.com Mr. Fence Academy https://mrfenceacademy.com Gopherwood & Expert Stain and Seal IG @stainandsealexperts  FB @ExpertProfessionalWoodCare YouTube @Stain&SealExperts  FB Group Stain and Seal Expert's Staining University  Visit RealGoodStain.com Visit Gopherwood.us Log Cabin Fence IG @Log_Cabin_Fence FB @LogCabinFence Visit LogCabinFence.com Elite Technique Visit https://www.getelitetechnique.com/ Greenwood Fence Visit https://greenwoodfence.com/ Ozark Fence & Supply promo code: TFIP15 for 15% off! Visit https://www.ozfence.com/ Benji with Clever Fox for all your FENCE website, SEO & marketing needs! Visit https://www.cleverfox.online/ Stockade Staple Guns Visit https://www.stockade.com/us/ Bullet Fence Systems Visit https://bulletfence.com/ mySalesman Visit mySalesman.com Orlando Hinge Company Visit swanhinge.com   The Fence Industry Podcast is Produced by CleverFox.Online https://www.cleverfox.online/  

Welcome to our monthly Reiki Community Q&A.  Here are a few of the questions and topics from February's Q&A podcast. Community Announcements Invocation Exploring the Chakra System: Is It Ever Inverted? When a Client Feels Nauseous or Vomits During a Session: What It May Indicate Post-Session Care & Practitioner Responsibility (Including Driving Considerations) Pathways for Reiki Masters Returning to Teaching: Class Reviews, Mentorship, and Other Options Understanding the Meaning of the Fire Horse Year and misc. astrology energy. Way of the Horse: Revised & Expanded 2nd Edition: Equine Archetypes for Self-Discovery by Linda Kohanov https://amzn.to/4tj3f7u Is a Holy Fire® Reiki Upgrade on the Horizon? Tuning Forks and Reiki: An Open Discussion Ways Reiki Can Offer Insight Into Why Something Isn't Manifesting? Reiki and Recovery: Spiritual Release & Resources (Including Reiki.org Healing CDs) https://bit.ly/49YHySL How Reiki Sessions Differ When You Are the Practitioner ✨Connect with Colleen and Robyn  Classes: https://reikilifestyle.com/classes-page/ FREE Distance Reiki Share: https://reikilifestyle.com/community/  Podcast: https://reikilifestyle.com/podcast/ (available on all major platforms too) Website: https://reikilifestyle.com/ **DISCLAIMER** This episode is not a substitute for seeking professional medical care but is offered for relaxation and stress reduction, which support the body's natural healing capabilities. Reiki is a complement to and never a replacement for professional medical care. Colleen and Robyn are not licensed professional healthcare providers and urge you to always seek out the appropriate physical and mental help professional healthcare providers may offer. Results vary by individual.  

In this episode, Lawrence and Alainta unpack the clash between real-life vibes and nonstop online noise. From social media posts and digital drama to choosing peace over posting. Hot takes and a few laughs about navigating life both on and off the feed--- an honest conversation about finding balance when the online world feels louder than ever.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

In today's episode, we're talking about one of the most confusing topics in nutrition: calories.If you feel like:Online calculators never feel accurateYou're “supposed” to be eating a certain numberYou compare your intake to other women's what-I-eat-in-a-day videosAnd you still aren't seeing results…This episode is for you.Because the biggest mistake most women make with calories isn't choosing the wrong number - it's looking for external validation instead of learning their body's internal needs.We'll talk about:Why calorie calculators fail so many active womenHow comparison to other people's intake creates fear of under- or overeatingWhy macros and calories are individual, not universalAnd how to actually find the intake that works for your metabolism, digestion, and lifestyleYou don't need another formula.You need to learn how to work with your body instead of against it.Schedule your complimentary nutrition strategy session here :https://forms.gle/RArtG2Tq9QP4EgQ2AFollow me on instagram :https://www.instagram.com/cherylnasso/

What if the real battle isn't what's in front of you but how you're seeing it? In this message, Touré Roberts confronts why so many feel stuck even after God has spoken promises over their lives. The issue isn't effort, opportunity, or timing — it's vision. God doesn't just want to change your circumstances; He wants to change how you see. When spiritual perception shifts, fear loses its grip, intimidation fades, and confidence replaces hesitation. You stop responding to pressure and start moving with clarity. If you've been overwhelmed by what's in front of you or unsure how to step into what God has called you to do, this message will help shift your perspective. When vision is restored, courage rises — and forward motion begins. Message: “I See Angels, Part II” Scripture: 1 Samuel 16:13 (NKJV) Speaker: Touré Roberts Date: Feb. 8, 2026 ✨ Welcome to Your Moment of Transformation You don't have to walk this journey alone. Let Jesus guide your steps and fill your life with purpose and peace.

What if the real battle isn't what's in front of you but how you're seeing it? In this message, Touré Roberts confronts why so many feel stuck even after God has spoken promises over their lives. The issue isn't effort, opportunity, or timing — it's vision. God doesn't just want to change your circumstances; He wants to change how you see. When spiritual perception shifts, fear loses its grip, intimidation fades, and confidence replaces hesitation. You stop responding to pressure and start moving with clarity. If you've been overwhelmed by what's in front of you or unsure how to step into what God has called you to do, this message will help shift your perspective. When vision is restored, courage rises — and forward motion begins. Message: “I See Angels, Part II” Scripture: 1 Samuel 16:13 (NKJV) Speaker: Touré Roberts Date: Feb. 8, 2026 ✨ Welcome to Your Moment of Transformation You don't have to walk this journey alone. Let Jesus guide your steps and fill your life with purpose and peace.

What you'll learn in this episode:Why positive reviews are the fastest path to credibilityHow the PRO framework (Problem, Result, Offer) makes reviews powerfulWhy bad reviews aren't the end of the world—and how to respond to themWhy perception is reality (even when it's unfair)The right way to use good reviews to outshine competitors  

Join us as we kick off our new sermon series, "WHO IS JESUS?" In Matthew 16, Jesus asks His disciples the most important question anyone will ever answer: “Who do you say I am?”Our answer to this question determines everything. How we live, how we worship, who we trust, and ultimately where we will spend eternity.Online resources: https://www.renovatethecity.com/

Online safety in the age of AI w/Fuzzy Technoogies CEO Kalie NitzscheFuzzy Technologies CEO Kalie Nitzsche is an online safety advocate, and former Adobe tech sales leader, whose founder story began by necessity after falling victim to a dating app dupester.    As an MBA who went to college on a soccer scholarship, her track record is one of bringing passion, grit and smarts to all her endeavors.   But despite having savvy in spades, it wasn't enough to protect her when she unwittingly swiped right on the wrong profile.  After discovering the deception in the most dramatic of ways and crying all the tears, Kalie realized she was not alone in suffering at the hands of bad players who falsely represent themselves online and that it was time to make Lemon Drop martinis from the lemons life had served her. After doing research and being unable to find an easy-to-use, affordable consumer online identity check app, Kalie made her heartbreak actionable and the idea for Fuzzy Digital Gutcheck was born.  Links:https://www.fuzzywatchdog.com/https://www.instagram.com/kalienitzsche/Tags:AI Ethics,Celebrity,Female Entrepreneur,Inspiring,Online Dating,Safety,Single Mom,Startup,Startup Fundraising,Tech Entrepreneur,Phantom Electric Ghost Podcast,PodcastSupport PEG by checking out our Sponsors:Download and use Newsly for free now from www.newsly.me or from the link in the description, and use promo code “GHOST” and receive a 1-month free premium subscription.The best tool for getting podcast guests:https://podmatch.com/signup/phantomelectricghostSubscribe to our Instagram for exclusive content:https://www.instagram.com/expansive_sound_experiments/Subscribe to our YouTube https://youtube.com/@phantomelectricghost?si=rEyT56WQvDsAoRprRSShttps://anchor.fm/s/3b31908/podcast/rssSubstackhttps://substack.com/@phantomelectricghost?utm_source=edit-profile-page

If you're running a clothing brand or thinking about starting one and you're not getting the sales you want, this video will help you see exactly why.Make Designs (with discount)

1. Love Island's Molly-Mae Hague and Tommy Fury Are Expecting Baby No. 2 After Reconciliation (PEOPLE) (17:57) 2. Dutch Olympics speed-skating star Jutta Leerdam blasted as ‘diva' for flying to Winter Games on private jet (NY Post) (23:37) 3. Olympic Officials Investigating Claim Ski Jumpers Are Injecting Acid Into Their Penises at 2026 Games (US Weekly) (32:02) 4. Brittany Mahomes, Normani and more NFL WAGs make a splash for Sports Illustrated Swimsuit (Page Six) (35:18) 5. Real Housewives of Rhode Island Trailer Teases Fights, Affair Rumors and More (E! Online) (49:04) - The Real Housewives of Beverly Hills Recap (53:01) - The Traitors Recap (1:00:51) - Queenie and Weenie of The Week (1:10:22) The Toast with Jackie (@JackieOshry) and Claudia Oshry (@girlwithnojob) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Toast Patreon ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Toast Merch ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Girl With No Job by Claudia Oshry ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Camper & The Counselor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Lean In Learn more about your ad choices. Visit megaphone.fm/adchoices

Allie interviews Christian singer Matthew West about his renewed boldness following the death of Charlie Kirk. West discusses his song "Be Close," inspired by Kirk's murder, and his experience performing at the White House. He shares his journey of faith, including overcoming criticism and standing firm in his beliefs. West also talks about his upcoming book, "Don't Stop Praying," which explores deepening one's relationship with God. Tune in to this powerful conversation that emphasizes West's commitment to sharing his faith through music and his resilience in the face of adversity. Plus head behind the scenes with Allie as she gets backstage access to one of Matthew West's Texas concerts. Share the Arrows 2026 is on October 10 in Dallas, Texas! Tickets go on sale February 11 at: ⁠⁠https://sharethearrows.com⁠⁠ Buy Allie's book "Toxic Empathy: How Progressives Exploit Christian Compassion": ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.toxicempathy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- Timecodes: (00:00) Intro (07:30) Grief after Charlie's Death (11:45) Writing “Be Close” (15:55)White House Christmas Invite (18:00) Backlash for White House Appearances (21:30) “Modest Is Hottest” Controversy (25:18) Lessons from Opposition (28:45) Why He Wrote “Unashamed” (33:45) Equipping Fellow Christians (39:00) Defending the Gospel (43:40) “Don't Stop Praying” Book (50:00) Concert Introduction --- Today's Sponsors: Patriot Mobile | Go to ⁠PatriotMobile.com/ALLIE⁠ or call 972-PATRIOT and use promo code ALLIE for a free month of service! A'del | Visit ⁠AdelNaturalCosmetics.com⁠ and enter promo code ALLIE for 25% off your first-time purchase. Good Ranchers | Go to ⁠GoodRanchers.com⁠ and subscribe to any of their boxes of 100% American meat, you'll save up to $500 a year! Plus, if you use code ALLIE, you'll get an additional $25 off your first order. Paleovalley | Right now, you can get 15% off your first order at ⁠Paleovalley.com⁠ with code ALLIE. EveryLife | Visit ⁠EveryLife.com⁠ and use promo code ALLIE10 to get 10% off your first order today! --- Episodes you might like:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ep 456 | Modest Isn't Hottest ... But Is It Biblical? ⁠https://podcasts.apple.com/us/podcast/ep-456-modest-isnt-hottest-but-is-it-biblical/id1359249098?i=1000529386722⁠ Ep 1268 | Islamification Update, Christian Music Dominates & Why Women Aren't Well ⁠https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000737142458⁠ Ep 1223 | The Forrest Frank Formula: Why Christian Music is Trending | Dr. Raymond Lynch ⁠https://podcasts.apple.com/us/podcast/ep-1223-the-forrest-frank-formula-why-christian-music/id1359249098?i=1000719536332⁠ --- Buy Allie's book "You're Not Enough (and That's Okay): Escaping the Toxic Culture of Self-Love": ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.alliebethstuckey.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Relatable merchandise: Use promo code ALLIE10 for a discount: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.blazemedia.com/collections/allie-stuckey⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Tim Cates talks with Dave Mason, Brand Ambassador for Bet Online Sports, about Super Bowl LX betting lines and all the great Prop Bets. See omnystudio.com/listener for privacy information.

Over the last couple of months, our inbox has been inundated with questions about the Department of Homeland Security (DHS), Immigration and Customs Enforcement (ICE), and Customs and Border Protection (CBP).Readers from across the political spectrum are trying to separate fact from fiction: Can ICE actually arrest U.S. citizens? What are my rights when a Border Patrol officer talks to me? How are all of these agents being trained amid a massive hiring push by the Trump administration? Online and in the opinion sections of news outlets, misinformation has been rampant. In our own coverage, we've tried to address some of these questions, but the answers are often legally nuanced and impossible to sum up in a single sentence, a post on X, or a thirty-second TikTok video. Today, though, we're going to address them in detail. Ad-free podcasts are here!To listen to this podcast ad-free, and to enjoy our subscriber only premium content, go to ReadTangle.com to sign up!You can subscribe to Tangle by clicking here or drop something in our tip jar by clicking here. Our Executive Editor and Founder is Isaac Saul. Our Executive Producer is Jon Lall.This podcast was written by: Isaac Saul, Ari Weitzman, Audrey Moorehead, Russell Nystrom and audio edited and mixed by Dewey Thomas. Music for the podcast was produced by Diet 75.Our newsletter is edited by Managing Editor Ari Weitzman, Senior Editor Will Kaback, Lindsey Knuth, Bailey Saul, and Audrey Moorehead. Hosted on Acast. See acast.com/privacy for more information.

HEALTH NEWS   Choline intake in pregnancy linked to lower inflammation Fatty acids found to influence immune defense during chronic infections Online shopping and social media use linked to higher stress levels Scientists Discover Natural Compounds With Unexpected Benefits for Skin, Anti-Aging, and Heart Health Discrimination damages the body—and makes victims age faster   Choline intake in pregnancy linked to lower inflammation Cornell University, February 5 2026 (Eurekalert)   A new Cornell University study suggests that choline, a nutrient many pregnant people consume too little of, may play an underappreciated role in keeping inflammation in check during pregnancy. Choline is an essential nutrient involved in many biological processes, including cell membrane structure, neurotransmitter production, methylation, immune cell receptor agonism, and fetal brain development, and some of these biochemical processes play a role in the regulation of inflammation. It is found primarily in eggs, meat, fish, dairy and some legumes and cruciferous vegetables. Researchers analyzed data from more than 1,300 pregnant participants enrolled in the Alberta Pregnancy Outcomes and Nutrition (APrON) cohort, one of the most detailed long-running pregnancy nutrition studies in North America. They found that higher recent dietary choline intake was associated with lower levels of inflammation in the third trimester. Most strikingly, participants with the highest choline intakes had dramatically lower odds of having clinically elevated inflammation than those with the lowest intakes.The current recommendation for choline during pregnancy is 450 mg, but there's some evidence that that may not be enough.     Fatty acids found to influence immune defense during chronic infections University of California at San Diego, February 5 2026 (Medical Xpress) Our immune system implements an array of strategies to combat threatening infections. White blood cells called cytotoxic T lymphocytes or "CD8 T cells" are soldiers of the immune system, serving as defensive agents that fight invading pathogens. When CD8 T cells reach the point of exhaustion, their protective capabilities decline and the immune system is much less effective. University of California San Diego immunologists have now studied the influences related to metabolism and the environment surrounding CD8 T cells. Their study led to intriguing new insights on the role of fatty acids in chronic infections and other persistent conditions, such as tumors. The research focused on metabolites, including small molecules such as amino acids, sugars, and lipids, in mice that play key roles in metabolism and its many functions and pathways. The study examined how such metabolites circulating in the blood change during short-lived or long-lasting viral infections. They discovered that an ongoing viral infection causes a brief but striking shift in the availability of nutrients in the early stages after infection. They saw levels of fatty acids increase during the first week after infection, associated with infection-induced changes in eating behavior and fat breakdown. At the same time, a special group of exhausted CD8 T cells with stem-like properties was found to absorb and store more fat than other T cells. These cells were able to use fatty acids as an energy source to power their mitochondria, the cell's energy producers. When fatty acids were provided later during chronic infection, the number of stem-like T cells expanded.   Online shopping and social media use linked to higher stress levels     Aalto University (Finland), January 9 2026 (News-Medical) Planning to save time by doing your shopping online? If so, it's possible you're not doing your well-being any favors. A study from Aalto University in Finland has found that online shopping is more strongly linked to stress than reading the news, checking your inbox or watching adult entertainment.  Previous studies have shown that social media and online shopping are often used to relieve stress. However, the new results show that a rise in social media use or online shopping is linked to an increase in self-reported stress across multiple user groups and across devices. The study found that users of YouTube and streaming services, as well as online gamers, also reported increased stress levels. For people experiencing high-stress, time spent on social media was twice more likely to be linked to stress as compared to time spent on gaming. Somewhat surprisingly, people who spent a lot of time on news sites reported less stress than others. On the other hand, those who already experienced a lot of stress didn't spend much time on news sites. Overall, the study found a strong connection between internet use, in general, and heightened stress, especially among those who already experienced a lot of stress in daily life. Women reported more stress than men, and the older and wealthier the participant, the less stress they experienced.   Scientists Discover Natural Compounds With Unexpected Benefits for Skin, Anti-Aging, and Heart Health Meijo University (Japan), February 5, 2026 (SciTech Daily) Scientists have found that certain natural compounds produced by algae and cyanobacteria may offer benefits beyond sun protection, including support for skin health and cardiovascular function. In lab experiments, two mycosporine-like amino acids were found to do more than soak up ultraviolet light. They also slowed down a major enzyme tied to blood pressure control, while showing antioxidant and anti-aging activity. One enzyme, Porphyra-334, is abundant in edible seaweed, which is already consumed widely in many countries. This raises the possibility that everyday foods may contain underappreciated bioactive compounds worthy of further health-related research.These compounds, called mycosporine-like amino acids (MAAs), are produced by seaweeds and other tiny organisms that spend their lives exposed to intense light. MAAs work like built in sun filters by absorbing ultraviolet (UV) radiation before it can harm cells. One of the most notable findings came from experiments on the inhibiting the angiotensin-converting enzyme ACE, a key regulator of blood pressure. Many widely prescribed hypertension drugs work by blocking ACE. Both compounds reduced the activity of this enzyme in laboratory tests, marking the first report of such an effect for MAAs. Although the observed effects were moderate and measured outside the human body, the discovery opens a new direction for future research.     Discrimination damages the body—and makes victims age faster University of Montreal, January 19 2026 (Medical Xpress) Has being discriminated against as an LGBTQ+ person been so bad, the stress so heavy, that the victim can literally feel it in their bones? Well, it turns out that's exactly what happens: discrimination damages the body and brain. That's the conclusion of a new study by researchers at Université de Montréal, who found that discrimination against sexually and gender-diverse people leaves measurable biological traces in the body—so much so, it should be considered a chronic health burden. Published in Psychoneuroendocrinology, the study was done on 357 Montreal adults aged 18 to 79: They included 129 cisgender sexual minority men and women, 96 transgender and non-binary people, and 72 cisgender heterosexual men and women. UdeM researchers measured the participants' allostatic load, the cumulative biological wear-and-tear associated with chronic stress. They looked at 16 biomarkers affecting the subjects' cardiovascular, metabolic, neuroendocrine and immune systems. Results show that major life experiences of discrimination and daily microaggressions were positively associated with allostatic load. This means that these two types of discriminatory events independently contribute to physiological dysregulation, creating a cumulative health burden and accelerated aging. The study revealed significant disparities: people on the male spectrum (cisgender and transgender men) had the highest levels of allostatic load, while sexual minority men (bisexual and gay) also showed high levels of biological stress.

Rumors continue about Apple coming out with some sort of a foldable iPhone that will be released this year and the follow up designs that will follow. The company released its quarterly results with revenue boosted by incredible iPhone sales. The way you buy a Mac online has changed. Apple has a new visually pleasing way of presenting the options and the Mac you are buying, while making your choices very clear. Brought to you by: Squarespace: Check out squarespace.com/DALRYMPLE for a free trial, and when you're ready to launch, use OFFER CODE: DALRYMPLE to save 10% off your first purchase of a website or domain. Show Notes: RIP Catherine O'Hara Report: Apple 'exploring' clamshell foldable iPhone as potential follow-up model Apple has changed the way you buy a Mac online The Fallen Apple Why the Q.ai acquisition could be huge for AI and Siri Apple reports first quarter results Shows and movies we're watching Mayor of Kingstown, Paramount+ Tom Scott's "Podcast Express" Second, there's "For The Record, the 70's", Episode 58, WKRP in Cincinnati

1. Devastated Savannah Guthrie, siblings plead for mom's safe return in emotional video to purported captor (Page Six) (24:09) 2. Tate McRae Responds to Backlash Over Her Appearance in Winter Olympics Ad with Team USA Athletes (PEOPLE) (27:59) 3. ‘Gossip Girl' Author Cecily Von Ziegesar To Pen Blair Waldorf Standalone Sequel Novel For Alloy (Deadline) (37:22) 4. Nick Viall's Wife Natalie Joy Is Pregnant, Expecting Twins (E! Online) (45:31) 5. Teddi Mellencamp's emotional ‘Masked Singer' stint gave her ‘a little bit of life' amid cancer battle (Page Six) (48:17) The Toast with Jackie (@JackieOshry) and Claudia Oshry (@girlwithnojob) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Toast Patreon ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Toast Merch ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Girl With No Job by Claudia Oshry ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Camper & The Counselor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Lean In Learn more about your ad choices. Visit megaphone.fm/adchoices

You are trying to understand an infinite God with a finite mind — and it may be keeping you blind. In this message from Dr. Oscar Williams, we walk through the powerful prayer Paul prayed for the eyes of our hearts to be enlightened. Why is this so important? Because vision cannot go forth without light, and many of us are walking around with impaired or obstructed vision. We refuse the correction because we've grown comfortable in our blindness, but Dr. Williams challenges us to understand that what we see isn't all there is. Just like Elisha's servant in 2 Kings 6, we need spiritual eyes to see God's army surrounding us. Ready to see clearly? Watch the full message and let God enlighten the eyes of your heart today. Message: “I Can See Clearly Now” Speaker: Dr. Oscar Williams Scripture: Ephesians 1:15-19 (ESV) Date: Feb. 4, 2026 ✨ Welcome to Your Moment of Transformation You don't have to walk this journey alone. Let Jesus guide your steps and fill your life with purpose and peace.

Cartoonists Brad Guigar and Dave Kellett dig into the many ways we react to humor — from full-on belly laughs to the silent internal “that was good” response. After that the way, they tackle some big (and surprisingly relatable) topics:Are they actually going to use Patreon Quips?Dave's Bad 2025 — what went wrong, what he learned, and why it mattersWhy you never stop building an audience, even when things feel “established”And yes… being scared of Reddit comments is universal!SummaryIn this episode of Comic Lab, hosts Dave Kellett and Brad Guigar dive into the nature of humor in comics, prompted by a listener's question about whether funny comics truly elicit laughter or if they are simply enjoyable. Brad and Dave explore the subjective nature of humor, sharing their own experiences with laughter and recognition of craft in comedy. Next, they delve into the ongoing journey of building and maintaining an audience in the ever-evolving landscape of comics. They emphasize that there is no such thing as a 'built audience.' Audience engagement is a continuous process that requires constant effort and adaptation. Drawing on the metaphor of the Ship of Theseus, they discuss how creators must regularly replace and update their strategies to keep their audience engaged, acknowledging that audience members may leave for various reasons, including life changes or simply forgetting about the content.The conversation also touches on the emotional toll of negative feedback, particularly on platforms like Reddit, where creators often face harsh criticism. Brad and Dave share personal anecdotes about dealing with trolls and the importance of focusing on the positive aspects of audience engagement. They conclude by reinforcing the idea that the creative journey is ongoing, and that every creator must continually learn and adapt to thrive in the industry.Takeaways"Not every year is going to be gangbusters."There's no such thing as a built audience; you're always in building mode.Audience engagement is like the Ship of Theseus; it's constantly changing.You should aim to gain 2-6% new audience every month to replace those who leave.Negative comments often come from unhappy individuals; don't take them personally.Every creator must continually learn and adapt to thrive in the industry. You get great rewards when you join the ComicLab Community on Patreon$2 — Early access to episodes$5 — Submit a question for possible use on the show AND get the exclusive ProTips podcast. Plus $2-tier rewards.If you'd like a one-on-one consultation about your comic, book it now!Brad Guigar is the creator of Evil Inc and the author of The Webcomics Handbook. He is available for personal consultations. Dave Kellett is the creator of Sheldon and Drive. He is the co-director of the comics documentary, Stripped.

You are trying to understand an infinite God with a finite mind — and it may be keeping you blind. In this message from Dr. Oscar Williams, we walk through the powerful prayer Paul prayed for the eyes of our hearts to be enlightened. Why is this so important? Because vision cannot go forth without light, and many of us are walking around with impaired or obstructed vision. We refuse the correction because we've grown comfortable in our blindness, but Dr. Williams challenges us to understand that what we see isn't all there is. Just like Elisha's servant in 2 Kings 6, we need spiritual eyes to see God's army surrounding us. Ready to see clearly? Watch the full message and let God enlighten the eyes of your heart today. Message: “I Can See Clearly Now” Speaker: Dr. Oscar Williams Scripture: Ephesians 1:15-19 (ESV) Date: Feb. 4, 2026 ✨ Welcome to Your Moment of Transformation You don't have to walk this journey alone. Let Jesus guide your steps and fill your life with purpose and peace.

Experiencing insomnia, restless nights, or waking up feeling tired even after a long night's sleep?Have you noticed how sleep issues often come and go with stress, overstimulation, or irregular routines?From Ayurveda, we know sleep disturbances aren't random or something to override with quick fixes.Nidra, or rest, is one of the four pillars of health. It's essential for balanced agni (digestion), the development of ojas (immunity or zest for life) and a calm, clear mind. When sleep is disturbed, the doshas become aggravated, especially vata, and true restoration through digestion cannot occur.In this episode, you'll discover:• Why sound, restful sleep is a sign of true health• The most common sleep disturbances and their root causes in Ayurveda• How overstimulation, digestion, and daily routines impact sleep quality• Why sleeping pills and over-the-counter aids don't resolve the root cause• Simple, natural practices to restore deep, nourishing sleep and resilienceReady to dive deeper into the practices of Ayurveda and guide others to do the same to support their well-being and heal from difficult symptoms and diseases? If leading others on this path feels like your dharma, or calling, we invite you to apply now for a free 1:1 clarity call with a member of our team so we can discuss your goals and see if our training feels aligned.Thanks for tuning in to the Everyday Ayurveda and Yoga at Hale Pule podcast. If this series inspires you to live a more holistic and balanced lifestyle, we invite you to join our free private community, the Hale Pule Sangha. Need to restore your digestion, hormones, and life to balance? Check out our 4-week Agni Therapy program - It includes Ayurveda and Yoga practices, a 1:1 consultation, energy work, a private support group, and a library of Q&As with Myra to support your healing process.If you enjoyed this podcast and received value from it, we'd appreciate it if you left a heartfelt review. It supports our mission at Hale Pule and helps us reach more people.

As parents, educators, and advocates for neurodivergent kids, it's crucial to recognize that traditional tests and assessments don't always paint the full picture of a child's abilities. In the newest episode of the podcast, we dive into why performance anxiety can create barriers—and how we can scaffold authentic, strengths-based ways for children to show what they truly know.   Key Takeaways: Performance Anxiety ≠ Knowledge Gap If a child can demonstrate understanding in low-pressure settings but "freezes" or melts down when assessed, it's not a lack of knowledge—it's the context and perceived safety that need adjusting. Accommodations Are Powerful, Not Coddling Thoughtful adaptations—like adjusting the environment, pacing, or method of response—help reveal rather than hide skills. These accommodations build confidence and resilience for future challenges. Celebrate Wins & Prioritize Safety Progress isn't always linear. Celebrate small victories and focus more on helping children feel safe and seen. Creating a foundation of trust leads to more voluntary engagement and authentic learning. If you're educating or supporting a neurodivergent or twice-exceptional child, remember: The goal isn't to recreate school, but to foster an environment where kids can thrive in ways that make sense for them.   Links and Resources from Today's Episode Thank you to our sponsors: CTC Math – Flexible, affordable math for the whole family! Curiosity Post – A Snail Mail Club for kids – Real mail; Real life! The Learner's Lab – Online community for families homeschooling gifted/2e & neurodivergent kiddos! The Lab: An Online Community for Families Homeschooling Neurodivergent Kiddos The Homeschool Advantage: A Child-Focused Approach to Raising Lifelong Learners Raising Resilient Sons: A Boy Mom's Guide to Building a Strong, Confident, and Emotionally Intelligent Family The Anxiety Toolkit Sensory Strategy Toolkit | Quick Regulation Activities for Home Affirmation Cards for Anxious Kids Sensory Struggles and Clothes: How to Help Your Child Dress Without Tears Navigating Sensory Overload: Actionable Strategies for Kids in Loud Environments Building a Sensory Diet Toolbox for Neurodivergent Kids at Home Playful Sensory Learning at Home: Five Senses Spinner What Exactly is Deschooling.. and Do I Need to Do It? Falling Unexpectedly in Love With Homeschooling My Gifted Child Self-Care and Co-Regulation | Balancing Parenting and Sensory Needs When School Refusal Turns Into a Healing Journey Picky Eating | Sensory Struggles and Real Solutions for Homeschooling Families Movement on Bad Weather Days: Meeting Sensory Needs at Home Loop Ear Plugs Ear Protection Disposable Ear Plugs Digital Voice Recorder Guided Reading Strips Colored Overlays for Reading Angled Footrest Colleen's Favorite White Noise Machine  

What if the reason you're invisible online has nothing to do with more social posts, downloads, or visibility hacks… and everything to do with missing authority signals?I'm interviewing Dr. Trudy Beerman, CEO and host of Profitable Social Influence TV (PSI TV), and unpacking why credible experts feel ghosted online. Even when they crush it offline. In this conversation, you'll hear:Why “big fish in small ponds” flop online (how the internet ignores you without digital proof)How podcast downloads build nothing (loyalty and authority signals do)What looks like visibility but kills your authority (spoiler: most social media)Why TV channels are the “private jet” for podcasters ready to scale (and who's more prepared than they think)Her doctoral research bombshell: Expert confidence sneaks out and sabotages business-buildingYou'll also hear Trudy share what she can't unsee now that she's mastered REACHology®—and why her platform finally commands worldwide influence.If you've ever thought:“I'm an expert, why doesn't the internet know it?”“My podcast gets downloads, but no one's buying”“Social media reach is trash! How do I stand out?”…this episode is for you.Are You a Big Fish Offline and want to be Authoritative Online?If you're serious about a podcast that builds trust and attracts the right clients (not vanity metrics), DM me on LI or FB. Or email jen@coachjenrogers.com for 1:1 support to launch professionally.Dr. Trudy Beerman's REACHology® Score here. She's the CEO, Host of PSI TV. Connect with her to to co-create your cornerstone credibility content & share it worldwide.PSI TV is not just a place to be seen, but where niche authority is engineered.Do You Have 1,000 Loyal Listeners — or Just Downloads? If you're serious about growing a podcast that actually supports your business, start with clarity. Take the Podcast Health Checkup to see what's working, what's missing, and what's holding your growth back. ⬇️ Resources to Support Your Next Step ⬇️ Join the Virtual Podcast School Community Connect with podcasters who are building trust, loyalty, and momentum, not chasing numbers.

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This week is National Eating Disorders Awareness Week. In honor of the nearly 30 million people in the United States affected by eating disorders, we're sharing a powerful story of hope, healing, and redemption in Jesus.   In today's podcast, Erin Hindman from our Tulsa, Oklahoma community vulnerably opens up about her long battle with anorexia—a struggle she once believed would always leave its mark. She describes living in the "smoke" long after the fire had burned, unsure if true freedom was even possible. But as you'll hear, God met Erin in the depths of her pain, revealing His limitless power to heal, restore, and make all things new. Erin's story is a beautiful reminder that no brokenness is beyond the reach of Jesus, and that lasting freedom is found in Him alone.   VERSE OF THE WEEK: "… they saw that the fire had not harmed their bodies, nor was a hair of their heads singed; their robes were not scorched, and there was no smell of fire on them." Daniel 3:27   CHALLENGE OF THE WEEK: Are you carrying around the "smoke" of past fires you've walked through? Today, find freedom, life, and new beginnings knowing you are washed clean by Jesus.  ________________________________________________ Listen to a similar story:  Ep. 323- Erica Antonneau: "A Posture of Surrender- Saved from an Eating Disorder"; Ep. 342 - Lindsay Wells:  "All Pain Matters To God."   Download a phone background of the weekly verse HERE!   Give to StoryTellers Live in honor of Erin and any of our past storytellers!   Join us "In the Room" on Patreon to access more stories straight from our live gatherings around the country!   Click here for further details on our Stories of Hope luncheon on March 11th in Birmingham! Register for our Finding God in the Details: A Guide to Discerning His Voice and Discovering Your Story workshop being offered ONLINE on February 18th from 9:30 AM -12:00 CST.   Shop for our When God Shows Up Bible Study series~ Stories of Hope, Stories of Freedom, Stories of Faith Are you interested in one-on-one coaching with our very own Robyn Kown!?  Click HERE!   Check out all of our live speaking engagement opportunities on our website.   Sign up to receive StoryTellers Live's weekly newsletter for updates and details on our live gatherings.  

You asked, and I answered on this Q&A episode.In this rapid-fire Q&A, I'm tackling the real questions photographers are thinking but rarely say out loud: family discounts, industry haters, how to get in with planners, personal branding beyond Instagram, and how to create boundaries when you're booking months out. We also go into some juicy stuff: politics + pressure, sharing faith in business, and a nuanced take on tithing vs. generosity as a Christian entrepreneur.If you want an industry real talk (without the fluff), this one's for you.⭐️Nathan's Signature Coaching Program:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠THE BUSINESS BLUEPRINT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⭐️Questions about the Business Blueprint? Email info@nathanchanski.co to chat with Nathan directly.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Conway kicks things off with classic stories and big media news as Disney names parks chief Josh D’Amaro as its new CEO, succeeding Bob Iger. Reporter Michael Monks joins the show as LAPD says it will not enforce a federal agent mask ban, calling the policy poorly thought out. Chief McDonnell faces pushback from the L.A. City Council over the decision. A shocking national crime story: Jill Biden’s ex-husband is arrested in connection with the murder of his current wife, sending shockwaves through political and legal circles. An emotional and inspiring story to close: the Santa Clarita girls hockey team wins a tournament just days after a deadly crash in Colorado. Online fundraisers and a GoFundMe for the victims have raised more than $120,000 to help families, including funeral expenses for Manny Lorenzana. RIP. See omnystudio.com/listener for privacy information.

This week Cyril from Defunct Games & emulation advocate Michael Domangue join to discuss the current state of the Nintendo Switch Online Nintendo Classics apps and compare their features to the many ways that traditional emulation has evolved over the years. Online play with friends, rewinding, and ease of use are all great features, but there are several innovations in emulation that Nintendo could utilize to make their service even better. We go over these and take a look at the subscription service as a whole. We also cover all the Nintendo and gaming news such as fresh Direct rumors, Dispatch being censored on Nintendo platforms, Virtual Boy getting new unreleased games, major gaming figures found in the Epstein files and much more. As always, we close with the games we've been playing. Listen to Super Switch Headz on Apple Podcasts, Spotify, YouTube or wherever you enjoy podcasts. 0:00:00 Introduction 0:07:35 News and Rumors 0:46:26 NSO vs. Traditional Emulation 1:41:50 Games We're Playing Defunct Games on YouTube: https://www.youtube.com/@DefunctGames The Complete Cheat Code Compendium on Kickstarter: http://kck.st/4qFG6dN Discord: https://discord.com/invite/CWbF4gb Facebook: https://www.facebook.com/groups/switchheadz Patreon: https://www.patreon.com/SuperSwitchHeadz/ Website: https://www.switchheadz.com/ Clips Channel: https://www.youtube.com/@SwitchHeadzClips

In this heartfelt and insightful episode, I sit down with Mia Mason, the creative force behind Worry's Whispers, a beautifully illustrated collection of poems that gives voice to anxiety, fear, and the quiet corners of the inner world that so many of us know all too well.Mia and I explore the origins of her work, what inspired her to turn internal dialogue into poetic expression, and how Worry's Whispers serves as both a mirror and a companion for people navigating anxiety — whether persistent, sudden, quiet, or loud.In this episode we break down:Why poetry can be a powerful tool for emotional expression — especially for those who struggle to articulate internal experiences.How Worry's Whispers uniquely captures the nuanced textures of worry without judgment, offering readers comfort through recognition rather than prescription.The creative process behind the book — from inspiration to illustration — and how Mia uses language and imagery to normalize the experience of anxiety.Mia's perspective on the importance of finding the right therapist who is qualified to address anxiety and OCD.Throughout the conversation, Mia's warmth, vulnerability, and insight shine through, providing real encouragement for anyone whose inner world sometimes feels overwhelming. Tune in to hear Mia's story, wisdom, and words of encouragement.Get your copy of her beautiful book here. Check her out on Instagram and TikTok too!Links discussed in episode:Psychpact MapAnxiety Specialists of Atlanta***This podcast episode is sponsored by NOCD. NOCD provides online OCD therapy in the US, UK, Australia and Canada. To schedule your free 15 minute consultation to see if NOCD is a right fit for you and your child, go tohttps://go.treatmyocd.com/at_parentingThis podcast is for informational purposes only and should not be used to replace the guidance of a qualified professional.Parents, do you need more support?

Health starts with what we absorb, not just what we eat Dr. Aly Cohen and co-host Dr. Ann Kelley discuss the often-overlooked importance of drinking water quality, the impact of environmental toxins on health, and the connection between gut health and mental well-being. Listen as Dr. Cohen highlights the alarming rise of autoimmune diseases and the role of hormones and chemicals in our health. Learn practical, manageable ways to reduce toxin exposure, while exploring how nutrition, lifestyle choices, education, and community support play a vital role in empowering people to take control of their health. “You don't have to wait to be saved. You have everything you need to make informed choices and changes that can protect your health now. – Dr. Aly Cohen Time Stamps for Nontoxic Guide to Healthy Living with Dr. Aly Cohen (290) 08:19 The rise of autoimmune diseases 11:17 Understanding gender disparities in autoimmune disorders 13:52 The gut-brain connection 29:10 The impact of environmental chemicals on health 35:03 Practical steps for reducing toxins 41:43 Understanding organic vs. conventional produce 45:14 The dangers of plastics and their effects 56:11 Understanding drinking water safety 01:01:07 Choosing the right water containers About our Guest – Dr. Aly Cohen  Dr. Aly Cohen is a board-certified rheumatologist and integrative medicine physician, recognized nationally for her expertise in environmental health, and medical education. She is the author of Detoxify: The Everyday Toxins Harming Your Immune System and How to Defend Against Them, which connects the dots between everyday chemicals and the epidemic rise in immune disorders and autoimmune disease…and what we CAN all do about it! She continues to teach, lecture, and practice medicine in Princeton, New Jersey. Resources for Nontoxic Guide to Healthy Living with Dr. Aly Cohen (290) Detoxify: Live Clean, Reduce Inflammation, and Reclaim Your Health – Purchase Dr. Cohen’s new book Instagram  – @TheSmartHuman AlyCohenMd – Dr. Aly Cohen’s official website The Smart Human – The Smart Human official website The Smart Human – Youtube channel How to Protect Your Kids from Toxic Chemicals – TEDx Beyond Attachment Styles course is available NOW!   Learn how your nervous system, your mind, and your relationships work together in a fascinating dance, shaping who you are and how you connect with others. Online, Self-Paced, Asynchronous Learning with Quarterly Live Q&A’s! Earn 6 Continuing Education Credits – Available at Checkout As a listener of this podcast, use code BAS15 for a limited-time discount. Get your copy of Secure Relating here!! You are invited!  Join our exclusive community to get early access and discounts to things we produce, plus an ad-free, private feed. In addition, receive exclusive episodes recorded just for you. Sign up for our premium Neuronerd plan!! Click here!! Join us again in Washington, DC for the 49th Annual Psychotherapy Networker! March 19-22nd! In person and online options available. Get your discounted seat HERE! Please support our sponsors – they keep our podcast free and accessible to all!  Talkiatry is a 100% online psychiatry practice that provides comprehensive evaluations, diagnoses, and ongoing medication management for conditions like ADHD, anxiety, depression, bipolar disorder, OCD, PTSD, insomnia, and more. Head to Talkiatry.com/TU and complete the short assessment to get matched with an in‑network psychiatrist in just a few minutes.

Hussein Aboubakr Mansour joins the podcast again, this time to share his concerns over what passes for trustworthy analysis online. Hussein's Substack: https://critiqueanddigest.substack.comOrder Against the Waves: Againstthewavesbook.comCheck out Jon's Music: jonharristunes.comTo Support the Podcast: https://www.worldviewconversation.com/support/Patreon:https://www.patreon.com/jonharrispodcastSubstack: https://substack.com/@jonharris?X: https://twitter.com/jonharris1989Facebook: https://www.facebook.com/jonharris1989/TikTok: https://www.tiktok.com/@jonharris1989Instagram: https://www.instagram.com/jonharrispodcast/Support this podcast at — https://redcircle.com/conversations-that-matter8971/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

This week's episode of Wealth Formula features an interview with Claudia Sahm, and I want to share a quick takeaway before you listen — because she's often misunderstood in the headlines. First, a quick explanation of the Sahm Rule, in plain English. The rule looks at unemployment and asks a very simple question:Has the unemployment rate started rising meaningfully from its recent low? Specifically, if the three-month average unemployment rate rises by 0.5% or more above its lowest level over the past year, the Sahm Rule is triggered. Historically, that has happened early in every U.S. recession since World War II. That's why it gets cited so much. And to be clear — it's cited a lot. The Sahm Rule is tracked by the Federal Reserve, Treasury economists, Wall Street banks, macro funds, and economic research shops globally. When it triggers, it shows up everywhere. That's not by accident. Claudia built one of the cleanest early-warning indicators we have. But here's the part that often gets lost. The Sahm Rule is not a market-timing tool and it's not a prediction machine. Claudia emphasized this repeatedly. It was designed as a policy signal — a way to say, “Hey, if unemployment is rising this fast, waiting too long to respond makes things worse.” In other words, it's a call to action for policymakers, not a command for investors to panic. What makes this cycle unusual — and why talking to Claudia directly was so helpful — is what's actually driving the data. We're not seeing mass layoffs. Layoffs remain low by historical standards. What we're seeing instead is very weak hiring. Companies aren't firing people — they're just not expanding. That distinction matters. And this is where I think the big picture comes in — not just for understanding the economy, but for investing in general. When you step back, the big picture includes a government with massive debt loads that needs interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. And it includes the reality that if the current Fed leadership won't ease fast enough, future leadership will. History tells us that governments eventually get the monetary conditions they need — even if it takes time, even if it takes new appointments, and even if it takes a shift toward a more dovish Federal Reserve. That doesn't mean reckless money printing tomorrow. But it does mean that structurally high rates are unlikely to be permanent. And when you combine that with investing, the question becomes less about this month's headline and more about what's positioned to benefit when the environment normalizes. That's why I continue to focus on real assets that are already deeply discounted — things like multifamily real estate — assets that were repriced brutally during the rate shock, but still sit at the center of a growing, rent-dependent economy. This conversation with Claudia reinforced something I've been talking about for a long time:The biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I've made this mistake myself. If you want a thoughtful, non-sensational, data-driven discussion about where we actually are in this cycle — and what the indicators really mean — I think you'll get a lot out of this episode. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Well Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, uh, listen, we’re back in, uh, back in the saddle in here in, uh, 2026. I know it’s takes some time to get used to it, but we’re, gosh, we’re at the end of the month actually by the time this plays. I think we’re in February. It’s time again to start thinking about investing. And so if you are interested in potentially using this year, which I believe and which many believe to potentially be the last year, uh, big discounts, uh, in real estate and, uh, various other types of offerings. Make sure. To sign up for the Accredit Investor group, our investor club, as we call it wealthformula.com. You do need to be an accredit investor and then you get onboarded. An accredit investor is just defined by who you are. If you make over $300,000 per year filing jointly, or 200 by yourself, every reasonable expectation to do so in the future. Or you have a net worth of a million dollars outta your personal, outside of your personal residence, you’re an accredit investor. Congratulations. Join the club wealthformula.com. Interesting podcast. Today we have, uh, Claudia Sahm She’s a Big Deal, Claudia Sahm. You may recognize that last name som, for this som rule. And what is a som rule in plain English. You actually have heard of the som rule multiple times from other economists who’ve been on the show. The som rule looks at unemployment. And asks a very simple question. Now, has the unemployment rate started rising meaningfully from its recent low? So specifically, if the three month average unemployment rate rises 0.5% or more above its lowest level, over the past year, this som rule is triggered. Now, historically, that has happened early in every US recession since the World War ii. That’s why it gets cited so much. It gets cited a lot. By the way, the sum rule is tracked by the Fed treasury economists, wall Street Banks, macro funds, economic research shops globally, and when it triggers, it shows up everywhere, and that’s not by accident. Uh, Claudia has built one of the cleanest early warning indicators we have, but here’s the part that often gets lost. The som rule is not a market timing tool, and it’s not a prediction machine. Claudia, uh, emphasized that repeatedly. It was designed as a policy signal, a way to say, Hey, if unemployment’s rising this fast, wait, waiting too long to respond makes things worse. In other words, it’s call to action for policy makers, not a command for investors to panic per se. So what makes this cycle unusual and why talking to Claudia directly was so helpful? Well, it’s what’s actually driving the data. We’re not seeing mass layoffs. Layoffs remain low by historical standards. Um, what we’re seeing instead is very weak. Hiring companies aren’t firing people, they’re just not expanding, and that distinction matters. This is where the big picture comes in, not just for understanding the economy. For investing in general and when you step back, the big picture includes a government with massive debt loads that need interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. I’ve mentioned this before and it includes the reality that have to fed, fed, uh, if the current Fed leadership won’t ease fast enough. I am likely the case that future leadership appointed by. Donald Trump himself, uh, will, so history tells us that governments eventually get the monetary conditions they need, even if it takes time, even if it takes new appointments. And even if it takes a shift towards a more dovish federal reserve. Uh, that doesn’t mean, uh, reckless money printing tomorrow, but it does mean that structurally. High interest rates are unlikely to be permanent. Okay? And when you combine that with investing, the question becomes less about this month’s headline and more about what’s positioned to benefit when the environment normalizes. Okay? That’s really, really important, and that’s why I continue to focus on things like real estate, right? Real estate is currently. Not for long, in my opinion, but deeply discounted things like multifamily real estate, um, that were repriced brutally during the rate shot, uh, but are still at the center of a growing and, and rent dependent economy. And again, uh, this conversation with Claudia reinforced something that I’ve been talking about a long time, which is the biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I’ve made that mistake myself. I am not immune. I have made lots of mistakes, and that’s one of them. So this is a great conversation. Hopefully you’ll enjoy it, especially if you want a thoughtful, nons sensational data-driven discussion. Where we are actually at in this cycle and what these indicators really mean. I think you’ll get a lot of this episode and we will have this conversation for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net. The strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you borrowed money at a simple interest rate, your insurance company keeps. Paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today my guest on Wealth Formula podcast is Dr. Claudia Sahm. Uh, she’s an American, uh, macroeconomic expert, uh, known for her work, uh, on monetary and fiscal policy and real-time economic indicators. She developed this som rule, which I think, uh, people have mentioned on this show before, so this is a great opportunity to talk to her about that. Uh, it’s a widely, uh, followed recession signal based on unemployment. She’s also a former Federal Reserve economist and senior policy advisor in government. Um, so welcome, uh, Dr. Sahm. Great. Happy to be here. Thank you. Well, let’s, let’s kind of start out with this som rule because, uh, you know, it’s funny, we, we have had a few different people, uh, at various times bring up the SOM rule, and I think one had actually said that it was triggered, but I don’t don’t think it was at any rate, let’s, let’s start with that. What is the som rule? Lemme start with why is there a som rule, and then we’ll then we’ll get to specifically what the, what the rule is itself. So when I started out on the project, it wasn’t so much about. Calling a recession, like there are some really fancy technical ways that economists like look at the tea leaves and the data and either try to forecast a recession, which is incredibly hard, or even just say we’re in a recession in real time. So like that’s a useful endeavor. But what actually was behind the development of my recession indicator was more of a call to action. How do we develop policies that, that the Congress can put into place very quickly if a recession comes? So these kind of what are referred to as automatic stabilizers, so they’re decided upon ahead of time, but then you do need a trigger that says a recession is here. So now that enhance the unemployment benefits, send out the stimulus checks, whatever it is that we kind of have as our typical tools that are used in recessions, we could have those ready to go as kind of guardrails. Then like you, you turn the policy on. So that was really my emphasis was on how do we do better policy and recessions, get the support out quickly. ’cause that’s the best chance of kind of stabilizing the situation. And then it’s like, well it was in a, it was in a policy volume that they asked for, like a really concrete proposal. So if I’m gonna say an automatic stabilizer, I need to have a proposal for what a trigger could be. So that’s really where the som rule came. So I think it is important. It’s definitely important to me to, I always remember like what the kind of reason for it’s sure. Now that also guided what the indicator itself looks like. So again, it was gonna be in, in fiscal policy. It needs to be simple, it needs to be something that we track it and it needs to, I felt it was important that it capture the reason that we. Fight recessions, why there’s such a bad, uh, you know, outcome. And so it looks at the, the unemployment rate. I use the national unemployment rate, take a three month average. ’cause we wanna smooth out, like there’s bumps and wiggles in the data from month to month. So you kind of, you know, three month average. One way to smooth it out. So you take that series of three month averages, you look at the current value, you compare to the lowest value over the prior 12 months, if you’ve seen an increase of a half, a percentage point or more. Which is really pretty modest, but half a percentage point or more. Historically, we have been in the early months of a recession, so it’s not a forecast. It’s supposed to be like we’re in it. Let’s go. It’s an empirical pattern. It’s one that’s worked in the United States. It reflects kind of our labor market institutions, the way unemployment rate moves and recessions. It historically is the case that once you get past a certain threshold of increased unemployment rate, it tends to build on itself. And in a typical recession, we see increases of. Two, three or more percentage points in the unemployment rate. Uh, so that’s, that’s what the summer rule is. And in fact, it did trigger in the summer of 2024. At that time I had said like, look around, we are not in a recession. GP is still expanding. Job creation is still happening. We don’t see the other hallmarks of a recession. And pointed to the fact that we’d had a very disrupted labor market after the pandemic in particular. You know, there had been a lot of immigration at that point. The unemployment rate is the total number of unemployed. So people who don’t have a job but are actively looking for one out of the labor force, right? And so these people that have to either be employed or looking for jobs, and so we actually saw from the pandemic. Both with the pandemic and then later with the surge and now the reversal in immigration. We’ve seen a lot of movement in the, in the labor force, which makes unemployment rate a little tricky to interpret. And then I’d also argue, we saw early in the pandemic, the unemployment rate dropped very rapidly. We even had labor shortages. So in some ways unemployment rate rising and it has risen over. I mean, it continued to rise last year in 2025. A lot of that’s also normalization. We’d had a very low unemployment rate. So I think the, the pandemic recession has a lot of features that were very unusual. We’ll talk probably more about the labor market continued to be kind of unusual. So the, you know, the somal was not the only recession indicator to fall flat on its face in the cycle. Um, but I think it’s still a useful, useful guide and I, and. You know, even if it’s not a recession, the, the unemployment rate is a full percentage point above, its low in 2023. So, I mean, that, that could, that could be a reason for policymakers to respond, even if it’s not responding to a recession. Right. That was the first time that it, that triggered and, and actually didn’t. End up in a recession, right? There’s some back in the 1950s, earlier, but it’s, it’s the first time where there’ve been some false positives in the past or, or near false positives. Like in 2003. It was kind of close, uh, is like the unemployment rate rises a little bit and then it falls back down. What we saw after it triggered in 2024 is it stabilized. Then last year it continued to rise. So this the pattern that we’ve seen since the pandemic of rapid recovery dropping unemployment rate and then it’s like gradually rising and yet has risen a full percentage point that you go all the way back in the post World War II period. We don’t see anything that looks like that. So that is a very unusual. Paris. So something’s more is going on in the labor market than just our typical business cycle, boom, bust, recession type dynamics. So what is that? What is the thing that’s happening that’s unusual right now in the labor market? Right? So the thing that is driving the unemployment rate up, I think this is a good lesson, a reminder to all of us. It’s not about layoffs. The rate of layoffs in the United States is really quite low. You look at unemployment insurance claims, they’re also quite low. What’s been pushing the unemployment rate up over the last two and a half years has been a very low rate of hiring and, and it’s, and it is something that over time will at least gradually put upward pressure on the unemployment rate and frankly. Until hiring picks up and we really don’t have many signs of it. Even as we enter 2026 unemployment rate’s gonna probably keep drifting up ’cause we’re not keeping job creation’s, not keeping up with, you know, people coming into the, into the labor market and, and that what’s, I think the puzzle right now is that hiring has been very low. But what we’ve seen in terms of consumer spending, business investment, so the kind of the big pieces of GDP, they’ve really held up pretty well, so. Business. It’s not, again, not that recession of the customers have disappeared. And so we’re not hiring, or we may even be firing workers. The customers are there for the businesses, but they’re choosing in this environment not to add, uh, to their payrolls. And that’s slowly pushing up down point rate. Yeah. Um, you know, it, it’s interesting what you’re, you’re talking about, but essentially you’re, people aren’t getting fired. They’re just, when they retire or leave, they’re just not replacing those. Individuals, you know, makes me think a little bit about what’s going on in the big, you know, in the tech push with artificial intelligence and that kind of thing, and increased in efficiency. Certainly you see that in the larger companies like Amazon and all that, where they’re just becoming massively more productive and cutting expenses essentially by, you know, using tech. Do you think that this is sort of an early indication, potentially of that kind of movement? So it. It’s possible, but I think we’re at the very front end of AI disrupting the labor market. This low hiring rate that we’ve talked about. You see this across all kinds of industries, including ones that don’t show high levels of AI adoption, and frankly, a AI adoption is pretty low. I mean, there are some sectors like tech and increasingly finance and some professional services have higher adoption rates. Uh, but in terms of it being able to explain the low hiring. I think it’s pretty tough ’cause the low hiring is such a, such a broad based, um, phenomenon. Now, AI might be, I think, indirectly contributing in that one of, one of the hypotheses about why, um, businesses have been, uh, not hiring despite, you know, economic activity. Continuing to push ahead could be that there’s a lot of uncertainty. Now there is a long list that we could draw of, of factors that might be causing businesses to be uncertain and hesitant to add to their payrolls. Uh, a lot of times you talk about things with tariffs or, you know, economic policy, regulations changing, you know, so there’s a lot going on there. But it could also be, there’s a lot of uncertainty about what this technology means for the future. Maybe you don’t need to bring on more workers because your ability to kind of use and adapt this technologies coming online. And so like that could be part of it. I think there’s another piece, you know, we have a lot of discussion about ai, but I do think that there’s, there could be a, a technology angle to this that’s, that is. Not in the AI technologies, but maybe just some of the more basic kind of automation is again, right after, you know, the, the pandemic recession as we came out of a, you know, very rapid recovery, uh, there was, there was a lot of hiring or that, ’cause businesses had done a lot of firing and they needed to bring back workers really rapidly and we actually had a period of labor shortages. There were workers moving around a lot and there were, that also put a lot of pressure on some employers, particularly in service sector, to automate more ’cause they just couldn’t get the workers, so they needed to bring technology. Online to help, you know, fill the gap. And over time, you know, businesses though, they haven’t done as much hiring, they have been firing. So the workers, they have longer tenures, have more experience, they’re probably more productive. So maybe businesses can kind of, you know, get away with not doing more hiring. ’cause the people they have there can kind of keep up with it. Um, and they’ve done some more automation. I don’t think those are sustainable. I think we’re going to need to see hiring pickup in terms of, of staying with, um, you know, as expanding, uh, demand from customers. But I won’t pretend to know what AI means for the future of the labor force. Right. So like there could be, I think that’s a big conversation about we’re headed, where we’re headed. I think it’s probably a pretty small slice of explaining. Where we’re at right now. You know, it’s interesting because obviously there was a lot of concerns about rising inflation, and particularly in the context of, you know, tariffs and, and among those types of things that were, were, um, coming down the pipe. And as it turns out, inflation seems to be coming down. How do you explain that from where you sit? Because it, it, it seems sort of to contradict a lot of what, you know, many economists believe to be likely. So when thinking about the effects of tariffs on inflation and this, this idea that it didn’t end up being as much of a factors we had really feared, uh, you know, a year ago. I think there’s a few things to keep in mind. One, the announced tariffs, uh. Didn’t come to pass fully. Right? So there’s a big difference between some of the, the, the initial announcements, whether it was on Liberation Day, April 2nd, or the initial kind of retaliation tit for tat with China, where we ended up with some triple digit, uh, tariff numbers. Those didn’t end up being where we, we ended now tariff, the effect of tariff rate. Is much higher than it was before. Right. Uh, president Trump came into office for the second time, so like, I don’t wanna minimize the, the, the increase in tariffs and the US government collected about $200 billion last year in, in additional tariffs. But there is a, there’s a good bit of daylight between what was announced and where we actually ended up. Businesses also proved very capable of trying to avoid those tariffs and not in like a. Illegal kind of way of avoiding them, but, but using inventories like trying to get ahead of them. We know the tariffs are tariffs. There’s been some evidence that, that it’s businesses are gonna start passing on the tariff cost increase when it’s actually tied to the inventories that they’re putting out in front of customers. And for some of our goods, like say apparel or things that have long seasons or come from, you know, all across the world, it actually takes quite a bit of time from the inventories being what actually shows up in front of customers. So there’s been the ability to. Kind of get around the tariffs ’cause they were rolling in. And so do be smart in terms of your inventories. And then it just takes time for those inventories to be, you know, um, to come down. Mm-hmm. By, there’s been several studies at this place, at this point that, that demonstrate that the, the tariffs, the cost of the tariffs is coming into the us. So the, it’s always the importer that pays the tariff, like literally writes the check to the US government. But it’s possible that the foreign producer could say, reduce their prices on what they’re, you know, paying or what they’re asking to be paid for that, uh, imported good. And then that would be a way of the foreign producer sharing the cost of the tariff. But everything that we see from the M Court data suggests that a very small fraction, probably less than 10%. Of the total tariff burden is being born by, at least at this point, born by the foreign producers. So it’s coming into the us. It’s sitting with either US businesses that are importing the goods or have the goods at some point in their, you know, in their supply chains and, and with us customers, the consumers we have, we’ve seen. I think you can really look at the inflation data. You can see the goods prices, which often are kind of a drag on inflation that they did turn around. They’re, they’re putting upward pressure on inflation. It’s not massive. It doesn’t explain all of these, you know, 200 billion in tariff costs, but then it is, it’s sitting with businesses. The effects still, it’s still just not that long enough to really understand. You know what, what the implications. It’s possible. I, I think that’s true with any, with any big policy change. Like it doesn’t happen overnight. I think that’s one thing that a lot of, a lot of economic models that, like, they’re, they’re very sensitive, right? Like as soon as a policy change happens, the models will kind of tell us something pretty dramatic in terms of adjustments. But this last year was a reminder, like when there’s, when there’s a big cost, there’s gonna be a lot of attempts to adjust around it to try to minimize that cost and then. It takes time, like in the real world, like the interactions are much more complex. You know, inventory lags all of the, like, it takes time to move its way through. So I think we’re not done with the pass through. I think we’ll probably still see more come to consumers, but businesses could decide to bear that cost. They, they could, you know, with profit margins. I mean some of, some of the inflationary environment in the pandemic did allow. There were very broad base increases in prices. You did see some companies be profitable from that because it was, there was a, you know, some of the costs were more targeted, but the, you know, the, the price increases were broad. So it could be a time where businesses see that, you know, consumers are more price sensitive now than they were in 21, 20 21, 20 22, so they’re not passing as much on it. Could be that that’s part of where. Like the cost businesses are dealing with that cost by maybe doing less hiring as opposed to passing it on to consumers. Uh, you know, they could be taking a hit with their profits. They, you know, so like, it doesn’t have to go all the way through to consumers. There are different levers that can be pulled. I do think we’ll still see some pass through in the, in probably the first half of this year, and that’s assuming that our whole tariff regime. Sit still, right? It looks like once again we might be, uh, increasing those tariffs, but, um, so yeah, I think it’s just tracing, you know, the tariffs through the system is really complicated. And one last thing I’ll say about the tariffs is they’re not just tariffs on goods that go to consumers. These tariffs have been broad enough that we’re also taring imported goods that are used by our manufacturers used for our, by our businesses in their production. So then it can take a really long time for that to end up with the, you know, the end customer could be a business to start with, and then it moves its way down. So I think these are just, you know, the costs are real. We can see the tariffs have been collected, the costs are there. We can see in the import data, there haven’t been import price data, there haven’t been a lot of adjustments by the foreign suppliers. So then it’s just a question of, we have these costs. Where did the cost go? I believe the last GEP was 4.3% and, uh, inflation was around 2.6, 2.7, or at least core. You’ve obviously, uh, worked at the Fed. Um, give us a sense of the situation that the Fed is trying to figure out here. Like what do they do with these numbers and, you know, all of the issues that surround them. The work at the Fed, I mean, it, it’s laser focused on the, the response, the mandates that the Fed has. So with maximum employment and price stability and with maximum employment, that’s not something that can be easily defined. It’s not like it’s a particular unemployment rate, it’s not a particular payroll number. But I mean, broadly speaking, it’s, you know, do, are, you know, the people who wanna work, are they working? In such a way that it’s not putting pressure on inflation, right? Like labor shortages that end up with wage increases that just, you know, end up with inflation. Like that would be a situation where the Fed would actually want to kind of help restrain some of the. Uh, employment growth. And we, we saw that in this cycle. I mean, the Fed raised rates a lot in 2022 and 2023. Uh, so that’s the maximum employment on the stable prices. The Fed has set a target of the 2%, uh, year over year PCE inflation. So a little different than the CPI inflation, but very much related. And, and it’s one, I mean, that’s, that’s the goal, right? And it, uh. So it starts with those two pieces and, and what’s been, I think what’s been challenging in say the last year as the Fed was, you know, trying to figure out what it was gonna do with interest rates was the fact that it, there was pressure on both sides of the mandate. Mm-hmm. Um, and not necessarily the, well, I mean, inflation itself has, was above the 2%. It continues to be above the 2%. Target has been. Since 2021. Now the Fed’s policy doesn’t have a look back, but I mean, they do worry that the longer inflation stays closer to three than two businesses. Consumers are gonna start to kind of embed three into their actions, their expectations. Then you kind of get stuck there. So like that, that both, you know, they were missing on the inflation mandate and there were, there were concerns that the, that we might see inflation get stuck above the mandate and the way you dislodge it if it gets stuck. Could end up risking a recession, right? So the Fed doesn’t want that to happen. So that’s a real concern. But then on the employment side, you know, we started out talking about the small rule, the rising unemployment rate. We’ve seen the unemployment rate rising. And then last year in particular, it wasn’t just the unemployment rate rising, we saw job creation just really take a leg down. Um. Some of that probably is less immigration population aging, so less supply of workers, which isn’t something the Fed would react to. ’cause that, I mean, if you don’t have as many people that wanna work, you don’t need to create as many jobs. But the unemployment rate was rising, so it’s clear, like there just wasn’t, there wasn’t enough job creation to keep up with, um, the workers who were there, uh, to work. And, and there was a concern that this could, could spiral out. Those small increased unemployment rate that, that very low level of job creation. And frankly, if you look at, I mean the, I mean, we have multiple months and probably more after revisions of declines in payroll employment. Mm-hmm. Like if you looked at the labor market data, you’d be like, aren’t we in a recession or like on the edge of one? Again, that’s not where we’re at, but it, it certainly gave that, that risk. Things could be slowing down. And, and the, the last piece that was really important in the Fed’s decisions was where, where’s the federal funds rate? Where are the interest rate, the policy interest rate they control? And it was still relatively high. For, for recent history, right. Not in the long history of the Fed, but mm-hmm. And so, like the Fed had raised, they’d raised interest rates quite aggressively to fight the inflation in 2022. They’d very gradually lowered it. Some was taken out in 2023 because made some pro, made quite a bit of progress on inflation in, or in 2024, they lowered the rates in 2025, the 75 basis points of cuts that the Fed did. It was out of concern. Of the labor market unraveling a risk, not a, not saying, hey, the labor market is unraveling, but saying the risk that the downside risk to employment are larger and more worrisome than the upside risk to inflation. So this inflation getting stuck, is that still the case as a going into 2026 here? So, you know, even, even last year we saw, we listened to Fed officials, there’s quite a bit of disagreement. Because it was a tough situation to read. There are some Fed officials that were more focused on inflation, some that were more focused on the employment side. Uh, and it really was just a matter of kind of reading the economy and trying to figure out this, a very unusual situation, like where, where was this headed? What did the Fed need to do? In the end, the consensus on the Fed was to do the rate cuts, kind of front load them. They talked a lot about it as insurance. They’re taking out insurance against the labor market deteriorating. And I think with that approach, in all likelihood, and there’s been certainly signaling of this, that when they meet at the end of January, it’ll, they’re unlikely to move again. That this is, this will be an opportunity to hold steady, be patient the Fed has, has taken out their restriction. So they don’t have the higher rates, so they’ve pulled rates down. We also know that early this year there’s various kinds of fiscal support that are coming online or tax cuts to households and to businesses that should give a little extra lift, uh, to the economy. So I think it’s a period of the Fed waiting to see what the effects of their policy changes are, seeing what the effects of the fiscal policy with the expectation this will be enough to stabilize the labor market. Even help get it back on track and really what the Fed would like. I mean, we’ll see what they get, but they’d really like the next cut to be a good news cut. Like inflation. Oh look, it’s moving back down again. We’re making clear progress back to 2%. I think that’s probably gonna take maybe even till the middle of this year to build that case. A strong case for the disinflation. Mm-hmm. But that’s, that’s what they would, would like to do. But they’re gonna keep an eye on the labor market. But nothing we’ve seen in the most recent data suggests that they gotta get moving like that. There’s some, you know, real pressure building. Um, in fact, the labor market looks a little bit better probably than when they met in December and inflation. Showing some signs of progress, but it, it’s pretty bumpy in terms of, there’s a lot of noise in the data at the moment. You mentioned, um, the Fed’s mandate and you know, certainly that’s something, um, that, uh, you know, that, that we know the Fed looks at these unemployment numbers that look at inflation. I’m curious though, that there’s, you know, there is this push and pull with the treasury. In particular, you know, looking at the amount of, of, of, of bonds that need to be refinanced, that kind of thing. I mean, presumably that’s one of the reasons why the Trump administration is pushing so hard, uh, on the Fed to reduce, um, you know, to reduce rates so that you know, this sovereign debt can be refinanced at a, something a little bit more palatable. How much of that actually. I know it’s not supposed to play a part in the Federal Reserve’s actions, but in reality is there, is there that kind of, you know, thinking that, you know, they have to, they, they may try to play ball a little bit with the, with the situation, with the debt. Yeah. There, the, the Fed is not playing ball right now with the administration. Uh, but, but there have been, there have been times in our past. So during World War II, there was an explicit cooperation between the Fed and the Treasury. The Fed kept interest rates low. Both the federal funds rates, so the short term interest rates, they also did, uh, some purchases of longer term to help keep longer term rates down. Right. So I mean, the, the Fed really, they, their policy was oriented exactly on this objective, keeping the borrowing cost of the US government low because it was financing the war effort. So, so there have been times where the Fed has cooperated with treasury. Now, when they came out of World War ii. What happened is, you know, treasury wants to keep interest rates low. This is good for, you know, the economy, good for growth, but it was, it really was creating a lot of inflationary pressures and it took until the early 1950s for the Fed to kind of regain its kind of operational independence from treasury and then go back to pursuing, you know, inflation as a key goal. And then also in the late seventies and maximum employment was added as an explicit goal. So we’re in a place now where. It’s employment, it’s inflation, it, there was quite, um, I mean, president Trump and some other officials have been, you know, very open about saying rates should be low to help with the deficit, with funding the gov. So like, it’s, it’s been in the discussion in the air. But that’s not, that’s not a mandate that Congress has given the Fed. That’s not what they’re pursuing. It does, you know, but things can change at the Fed. We’re gonna see a change in leadership this year with a new Fed chair. Um, the Fed always, I mean, Congress created the Federal Reserve. It’s changed its abilities, its responsibilities over time. I don’t wanna say that we’ll never get back to a place where the Fed thinks about. Its effect on the deficit. I mean, they’re watching it, they know, right? They’re tracking all these aspects of the economy. But in terms of what’s driving the Fed’s decisions about what the, the federal funds rate should be, that’s not part of the calculus right now. Yeah. Um, you know, another, just another question is for clarity. You know, the, the, um, officially right now there’s, there’s no quantitative easing. However, there is. Uh, you know, I’ve been reading, uh, about even, I think even today, there was a, a fair amount of liquidity, uh, being injected in by the Fed. Can you, for people who don’t understand the mechanics of this and what the difference in terminology is, can you explain to us maybe what the difference is between quantitative easing and what’s being done right now? So just as for context, where quantitative easing even came from. So if we go back to the global financial crisis in 2008, the Federal Reserve, in response to that recession, pulled the federal funds rate all the way to zero. Cut rates to zero And as sure many of us remember that that recession was a very deep and long recession. So, and the unemployment rate was, you know, 10% and inflation was not a problem. So the, the Fed would want in that environment to do more to support the economy. But when the federal funds rate is at zero, that’s, its, that has been its primary tool. Well, that’s, that’s. Stepped out. So then as a question of, well, what else could we do to help support the economy? And, and there, there were. Different possibilities. Uh, some European central banks looked at, you know, they actually did negative interest rates or tried to pull their policy rates, and that’s not what the US did. What was done was to do purchases of, uh, treasuries. Uh, there’s also been purchases of mortgage backed securities, and this is where the Fed is. I mean, and, and they’re creating reserves. So the fed, I guess, secretary, uh. Treasury doesn’t refer to it as magic money. Um, you know, they create reserves and then they’re going out and they’re buying tr so they’re pushing that liquidity, that demand into markets. And if you’re, if there’s a lot more demand for treasuries, well, the price of the treasuries will go up. The yield comes down. Interest rates go down. Yep. Interest rates go down. So they. They were, the Fed wanted to support the economy more. That was the tool that they used to do it. So when, when the Fed talks about quantitative easing, it’s not just the tool, the asset purchases, it’s also the intent, right? They wouldn’t do quantitative easing right now. ’cause if the Fed thought they really need to stimulate the economy more, they’ve still got like. More than three percentage points they could cut from the federal funds rate. Like if the issue were right now, we need to like get the economy going, they’re gonna like cut the funds rate and do it that way. They wouldn’t be pur like purchasing assets, purchasing treasuries to do that. But what what happened is between the global financial crisis, the Great recession, so all the asset purchases done then. There was some, some runoff of the balance sheet, but then again, in the pandemic there were a lot of asset purchases. Uh, the Fed has a really big balance sheet, and it has, uh, it, it kind of changes the way that the Fed can even just move around the federal funds rate. Like, I don’t wanna get too much into the, the technicals, but it’s, it’s just, you know, when the Fed says, well, we wanna lower the, the funds rate to 3.5%. In the old days, they could kind of do, you know, with the bank reserves and they could like, make these small purchases and it would, it would make that stick. Now with, there’s, uh, banks have a lot of reserves, so they’re not as responsive. And so just to kind of, there’s like the, the technical, the tools, the Fed has to just make it happen. In terms of operationally, it means that they have to do some purchases now and then they call their, I mean the new name they have for these are reserve management. Purchases. So it’s really about operations. It’s not about, but it does mean they’re purchasing assets. So if you’re just focused on like the Fed’s purchasing assets, they’re putting liquidity into the system. Yes, they are doing that, but it’s not with the intent to kind of push the economy to run harder. It’s just enough liquidity to keep. The federal funds rate stable at the level that they wanted to be at, to just make sure that all these operations are short in the very short term lending markets amongst banks, that it’s all kind of working as mm-hmm. As it should be. So it’s more about operations and it’s about stimulus policy. Right. A lot of our, um, a lot of our listeners are real estate owners, investors, and they’re, you know, they think about, um. Mortgage rates and that kind of thing. There was recently a, a pretty significant, well, I don’t know how significant it really was. I think it was about, was it maybe $250 billion worth of mortgage backed securities purchased by Fannie Mae. Um, that ca can you talk about the purpose of that and really the, you know, what kind of effect that would actually, we could actually expect from that. It’s certainly been, I mean it’s, it is clear. You know, we talked about one reason that the administration would want interest rates down. It’d be like financing the deficit. Right. Another reason that very much pulls into kind of the affordability debate is we want interest rates lower, one of them lower for consumers. Now the White House has put a lot of pressure on the Fed for them to lower rates even faster than they have. Has not played ball with that. But then the Fed has lowered its rates. The Feds rates are very short term rates, and the federal funds rate is like an overnight rate with between banks. Right. So it, and it has an effect on, you know. Credit card rates, short term rates, but it’s not one, it, it has an effect, but it’s really not like driving necessarily 30 year mortgage rates or you know, some of the longer term rates. There’s a lot of other factors that go into that, and so in this kind of, you know, push for lower mortgage rates. Pushing on the Fed is not the only lever to pull, right? The administration has other levers that they could potentially pull, um, in trying to influence mortgage rates. Now, there, I’d argue the administration’s tools here, like the, the $200 billion, Fannie and Freddie purchase that you mentioned. That really is about trying to reduce the spread. Between mortgages and treasuries. So in some ways it sounds similar, like, oh, fed and Franny, which are, you know, GSEs. So part, part of the, you know, government right now, at least they were privatized during the global financial crisis. You think, oh, they’re going out and purchasing this Sounds a lot like the Fed going out and purchasing. There are there, there’s some parallels, but we need to remember, Fannie and Freddie don’t create money. The Fed, when they start, when they start the process of their quantitative easing, they’re creating reserves like they’re actually creating liquidity and money supply. Fannie and Freddie have authorization to be able to make these purchases, but they’re not like the fed. They’re not creating reserves, but they can, so I don’t wanna think about them like bringing down the whole set of interest rates, but they can affect this spread between mortgages and say treasuries. Right? And so, because again, if you’re, if the. If the GSEs are going out, they’re purchasing mortgage backed securities, well that’s increasing demand for those, and that can push down the rates, that can like squeeze that spread. And, and while the announcement has been made, you know, I mean they’re, they’re in the early stages of putting that in place, but we even on the announcements, saw a response in financial markets and you’re seeing some movement down, uh, in mortgage rates now. It was. Pretty modest, right? And, and 200 billion while, you know, not nothing, uh, really pales in comparison to like the scale of say, the quantitative easing that the Fed did. Um, and there are probably other, but the, you know, the administration’s not done. It doesn’t necessarily have to be that Fannie and Freddie do more purchases. The the spread between mortgage rates and treasuries is pretty substantial. There’s other places where, you know, the fees that go into getting a mortgage are quite a bit larger than they were before the, the global financial crisis. So maybe they go in and try to chip away at the fees and, you know, so there’s, there’s different levers. And I fully expect, and I think we’re gonna get some announcements here again soon on the White Houses. Housing affordability agenda. So there may be other, other ways that they’re trying to, uh, influence, uh, the mortgage spreads. But that’s, that’s what that is all about. And it, it should have, and it looks like, you know, it’s having some effect in terms of bringing rates down, but it likely, it’d be modest, like in the 10 basis points, maybe 20 if they ramp up the program some. But like, it, you know, it’s, it, it, you know, every, every bit counts. But this is not a. Uh, this won’t be enough to, you know, move rates down, dramatic mortgage rates down dramatically, uh, when you, when you look at the economy. Um, and I, I, I think just, you know, one last question. I mean, I just in terms of, you know, the people listening to this are. They’re, they’re people, you know, with jobs and who are trying to invest their money, and they’re trying to, you know, build long-term wealth, but they’re, you know, everybody’s worried about what’s happening with the economy. What, what, what do you think, like, just as, um, um, you know, perspective for people to understand or try to have some framework for how to look at what’s going on in the economy. How they should judge it. Like what would you suggest, like just for mom and pop investors trying to, what is happening with the economy? I’m not an economist. What, what are the, what are the things that you think they should consider studying up on, looking into a little bit? One challenge for a lot of investors, I mean, frankly, it’s, it’s been a challenge that I try to deal with too. Uh, we’re, we’re in an environment where there’s just. There’s so much news coming out of DC uh, with the White House and policies and the Fed, and you know, I mean, like, there’s just, there’s a lot. The headlines are big. And like I talked about with the tariffs, we had like really big tariff announcements. The really scary numbers were, and then it like dialed back and then we pushed through it and it’s like, and it’s this remembering that, um. There’s always a tendency to have this idea that the, the president really runs the economy. I mean, that’s not just about this administration. That’s like a longstanding, you know, the president gets, uh, blame or credit for the economy when really, right. Like we have a over 33, $30 trillion economy, hundreds of millions of workers, tens of millions of businesses. Like this is not about one administration. And so we always need to be careful about. Putting too much weight on the policies coming out of dc. Uh, and you know, last year if you really just listened to all the, you know, we’re cutting immigration, we’re raising tariffs, we’re doing, you know, all, there’s a lot of uncertainty in Doge. Well then you might have missed, like, there’s a bunch of AI investment happening and we’ve got a lot of growth in the economy and while consumers are still pretty resilient, so you, it’s kind of like. Tuning down the volume, some coming out of Washington, especially the like every twist and turn. Uh, and then kind of focusing in on the fundamentals. I will say, you know, you don’t wanna turn down DC too far because we, we do have some like big picture events that could play out over many years. Right. So kind of keeping an eye on it, but for the long game. As opposed to reacting to every twist and turn, every policy announcement, because a lot of this clearly is more of a negotiation than it is like, we’re gonna actually do this. So, you know, as investors, you don’t wanna get whipped around by the latest headline, but you also can’t put your head in the sand. Like you gotta kind of try and find a way to pull the signal out of the noise. And it is really. It’s really hard. Yeah. Like this has been a challenging time and the, the US economy’s been doing things that are not typical. We talked about some of the things with the labor market and we are running some policy experiments that haven’t been run in a long time, so things could change pretty dramatically. But I think it’s just trying to absorb the information, not get too wound up about it, but like also keep an eye on like what’s good for long-term growth. Yeah. Because it’s good for long-term productivity. Thank you so much Dr. Sahm. It’s uh, it’s been a pleasure talking to you on, uh, wealth Formula Podcast today. Great. Thank you so much. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concept. Here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. It was Claudia Sahm. She is, uh, she’s a very, very smart lady. And, uh, just a reminder, if you have not done so, uh, I, I don’t frequently ask to do, do this, but, uh, make sure you give the show. Five stars and a positive review because that’s how we’re getting, you know, really high quality people like Claudia on the show, I’ve been around for a long time. It helps that the show is, you know, like over a decade old and all that stuff too. But, uh, anything you can do to support would be very helpful. And also one more reminder, uh, if you have not done so and you weren’t a credit investor, make sure you sign up for that investor club. At Wealth formula.com. That’s it for me. This week on Wealth Formula Podcast. This is about Joffrey signing out. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheelwright and Ken m. Visit wealthformularoadmap.com.

The internet is forever. So how do we handle posts from our past selves? This episode was produced by Dustin DeSoto and Hady Mawajdeh, edited by Jenny Lawton, fact-checked by Sarah Schweppe, engineered by Bridger Dunnagan, and hosted by Jonquilyn Hill. Image credit Hady Mawajdeh.   If you have a question, give us a call on 1-800-618-8545 or send us a note here.  Listen to Explain It to Me ad-free by becoming a Vox Member: vox.com/members.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The internet is forever. So how do we handle posts from our past selves? This episode was produced by Dustin DeSoto and Hady Mawajdeh, edited by Jenny Lawton, fact-checked by Sarah Schweppe, engineered by Bridger Dunnagan, and hosted by Jonquilyn Hill. Image credit Hady Mawajdeh.   If you have a question, give us a call on 1-800-618-8545 or send us a note here.  Listen to Explain It to Me ad-free by becoming a Vox Member: vox.com/members.  Learn more about your ad choices. Visit podcastchoices.com/adchoices