Podcasts about opportunities

My guest today is Sarah Guo, founder and managing partner of Conviction, the venture firm she built to back AI-native companies from their earliest days.  Sarah has become one of the most sought-after early-stage investors in AI, often the first check into the companies defining the frontier.  In this conversation, we go inside that frontier: what the small group of people actually building AI believe right now, why some of the field's best researchers are wrestling with their own sense of purpose, and how close we are to robots in the home and a genuine acceleration in scientific discovery.  At the center is Sarah's conviction that no single company will own the future of AI, and what that means for founders, investors, and anyone allocating their time and resources in a world moving this fast. Our managing editor Dom Cooke wrote a profile of Sarah for Colossus, "Sarah's Wager," on how she built the firm closest to the AI frontier and why she's now betting against its biggest companies.  Please enjoy this conversation with Sarah Guo. For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠.  ----- Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at ⁠colossus.com/subscribe⁠. ----- ⁠Ramp's⁠ mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠ramp.com/invest⁠⁠ to sign up for free and get a $250 welcome bonus. ----- Trusted by thousands of businesses, ⁠Vanta⁠ continuously monitors your security posture and streamlines audits so you can win enterprise deals and build customer trust without the traditional overhead. Invest Like the Best listeners get a special offer of $1,000 off Vanta when you go to ⁠vanta.com/invest⁠.  ----- WorkOS⁠ is the infrastructure B2B and AI-native companies use to sell to enterprise. It covers everything enterprise security requires: SSO, SCIM, RBAC, Audit Logs, AI governance, and more. Trusted by 2,000+ fast-growing companies, including OpenAI, Anthropic, Cursor, and Vercel. ----- Rogo is the AI platform for finance. They're building agents for Wall Street that are trained to understand how bankers and investors actually do work: from diligence and modeling, to turning analysis into deliverables. To learn more, visit rogo.ai/invest. ----- ⁠Ridgeline⁠ has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Visit⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ridgeline.ai⁠. ----- Editing and post-production work for this episode was provided by The Podcast Consultant. Timestamps: (00:00:00) Welcome to Invest Like the Best (00:02:16) Investing Without a Backtest (00:03:31) The AI Wager (00:06:16) Building the Best Investment Firm (00:08:37) Finding Non-Obvious AI Opportunities (00:11:00) The Frontier AI Talent Race (00:13:50) Compute as the Constraint (00:19:10) The Future of Robotics (00:22:15) Making Investment Decisions (00:26:13) How Sarah Spends Her Time (00:28:15) Raising a Venture Fund (00:30:49) Lessons From Her Parents (00:34:38) The Case for Open Source AI (00:39:01) Abundant Intelligence Isn't Inevitable (00:40:55) Compute Independence (00:43:14) Debates Inside Conviction (00:45:27) AI's Opportunity in Biology (00:48:58) Why Conviction (00:50:31) Finding Truth and Taking Risk (00:54:16) What Changes in the Next Year (00:56:46) The Kindest Thing

Alicia Miller joins PassivePockets to break down Qualified Opportunity Zones, why they matter for real estate investors, and how they can fit into an active-to-passive transition strategy. Chris and Alicia start with the basics: what a QOZ is, how the original program worked, and why investors with capital gains from selling real estate, a business, or other appreciated assets may want to understand this structure before making their next move. They walk through the key differences between QOZ investing and a 1031 exchange, including why QOZs only require investors to reinvest the capital gain, not the full sale proceeds, and why the money does not need to be held by a qualified intermediary. Alicia also explains the original QOZ timeline, the upcoming shift into QOZ 2.0, and how the new version creates a rolling five-year capital gains deferral with a 10% reduction, or 30% for qualifying rural investments. Chris and Alicia also dig into a timely QOZ 1.0 strategy: using a valuation study on a development project that has broken ground but is not yet cash flowing. Alicia explains how this could potentially create an upfront capital gains deduction before the original program sunsets, why the timing matters, and how investors should think about the trade-offs between tax benefits, development risk, and long-term hold periods. Key takeaways: What Qualified Opportunity Zones are and why they were created How QOZs can help landlords move from active ownership into passive investments Why QOZs differ from 1031 exchanges in timelines, reinvestment rules, and flexibility How QOZ 1.0 allowed investors to defer gains until the end of 2026 and potentially receive deductions based on hold period What changes under QOZ 2.0, including rolling five-year deferrals and new zone designations Why the 10-year hold remains the major long-term tax benefit for QOZ investors How valuation studies may create a unique window for certain QOZ 1.0 development investments Join a community of passive investors. Start your FREE 7-day trial: https://passivepockets.com/?utm_source=youtube&utm_medium=description&utm_campaign=none Listen to the PassivePockets Podcast Anywhere: https://lnk.to/passivepockets Subscribe to the Passive Investing Newsletter: https://www.biggerpockets.com/email-subscribe?utm_source=youtube&utm_medium=description&utm_campaign=none Join BiggerPockets for free: https://www.biggerpockets.com/signup?utm_source=owned_media Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

Mary Kay Ash turned a $5,000 investment into a cosmetics empire that promised generations of women financial independence, recognition, and—if they climbed high enough—that famous pink Cadillac. But.... behind the makeup parties and “girl power” sales pitch, DID Mary Kay create a revolutionary path to female empowerment? Or did she prey on her own sales force and help perfect the highly manipulative and exploitative multi-level marketing machine that would leave countless aspiring entrepreneurs buried in unsold inventory and broken promises? Merch and more: www.badmagicproductions.com  Timesuck Discord! https://discord.gg/tqzH89v Want to join the Cult of the Curious PrivateFacebook Group? Go directly to Facebook and search for "Cult of the Curious" to locate whatever happens to be our most current page :) For all merch-related questions/problems: store@badmagicproductions.com (copy and paste) Please rate and subscribe on Apple Podcasts and elsewhere and follow the suck on social media!! @timesuckpodcast on IG and http://www.facebook.com/timesuckpodcast Wanna become a Space Lizard? Click here: https://www.patreon.com/timesuckpodcast. Sign up through Patreon, and for $5 a month, you get access to the entire Secret Suck catalog (295 episodes) PLUS the entire catalog of Timesuck, AD FREE. You'll also get 20% off of all regular Timesuck merch PLUS access to exclusive Space Lizard merch. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Peter breaks down opportunity zones, a tax tool he says almost no physician he talks to has ever heard of, and why the version that exists today looks nothing like the one from 2018. He walks through the exact math behind deferring and eliminating capital gains taxes, why Congress making the program permanent changes everything about how it can be used, and the concentration risk quietly building in a lot of portfolios right now. If you've got gains sitting in a brokerage account you don't know what to do with, this episode lays out exactly what your options actually are. Tune in! Interested in PIMDCON? Know more by clicking here. Are you looking for a community to encourage you as you begin, or want to accelerate your business to the next level? Then join thousands of physicians who share the same journey of creating their ideal lives through multiple streams of income by joining us in our Facebook communities such as Passive Income Docs and Passive Income MD.

An estimated $124 trillion is expected to pass from Baby Boomers to their heirs by 2048, marking one of the largest transfers of wealth in history. And women are expected to play a particularly significant role. Sharon Epps, President of Kingdom Advisors, joined the show today to discuss this historic shift and the opportunity it presents for women to approach wealth with wisdom, preparation, and biblical faithfulness. Why Women Are at the Center of the Wealth Transfer Economists have been talking about the Great Wealth Transfer for years, but it is no longer simply a future prediction. The transfer is already underway. Women are uniquely positioned within it in part because they tend to live longer than men. As a result, many women will experience both intragenerational transfers—wealth passing from a spouse—and intergenerational transfers from parents and other family members. But inheritance is only one part of the picture. Women already earn income, manage household resources, invest, give, and make significant financial decisions. Research indicates that women are involved in approximately 94% of household purchasing decisions. That means the stewardship opportunity ahead doesn't begin when an inheritance arrives. It is already here. A Biblical Legacy of Women and Stewardship Women using financial resources to advance God's purposes is nothing new. Luke 8:1–3 describes several women who supported Jesus and His disciples out of their own means. These women were not merely observers of Christ's ministry. Their financial generosity helped make the work possible. Likewise, in Romans 16:1–2, Paul commends Phoebe and describes her as a benefactor of many, including himself. In a culture where women often had limited social and economic influence, Phoebe used what God had entrusted to her to serve others and help advance the gospel. Their examples remind us that financial stewardship has always been about something greater than accumulating or managing money. It is about faithfully using whatever God provides for His purposes. Faithfulness Changes With the Seasons 1 Corinthians 4:2 says, “Moreover, it is required of stewards that they be found faithful.” That calling applies to every believer, but the practical responsibilities of stewardship can look different in different seasons. A woman may move through seasons as a student, professional, wife, mother, caregiver, business owner, widow, retiree, or some combination of these roles. At various times, she may be an earner, an inheritor, a household financial manager, or all three. The circumstances change, but the responsibility remains: stay informed, equipped, and engaged with the resources God has entrusted to you. That can mean understanding the household finances, learning how investments work, participating in conversations about estate planning, preparing for retirement, or developing a thoughtful plan for generosity. Faithful stewardship does not require becoming a financial expert. But it does require engagement. Money as a Tool for Purpose For some women, managing finances comes naturally. Others may quickly say, “I'm just not a numbers person.” But stewardship is about much more than numbers. Money is a tool that can help us care for family, support ministries, meet needs, practice hospitality, create opportunities for others, and generously participate in work that matters to us. Seen through that lens, financial stewardship becomes less about mastering spreadsheets and more about connecting resources with purpose. Whether wealth is earned, inherited, or managed on behalf of a household, every dollar presents an opportunity to ask: How can I use what God has entrusted to me faithfully? An Opportunity for the Whole Family The Great Wealth Transfer also creates an opportunity for important conversations between husbands and wives, parents and children, and across generations. Preparing the next steward involves more than transferring assets. It means passing along wisdom. Families can begin discussing questions such as: What has God entrusted to us? What values do we want our financial decisions to reflect? How much is enough? What role should generosity play in our estate plans? Is the next generation prepared to manage what they may eventually receive? These conversations can help transform inheritance from a simple financial transaction into an intentional act of stewardship. Preparing for an Historic Stewardship Opportunity The coming wealth transfer represents an extraordinary financial moment, but for Christians, the most important question is not simply who will control the wealth. It is how that wealth will be stewarded. Women have faithfully earned, managed, given, and used resources for God's purposes for generations. As trillions of dollars change hands in the decades ahead, women of faith have another significant opportunity to continue that legacy. The goal is not merely to receive more wealth, but to be prepared to manage God's money God's way—using it wisely, generously, and faithfully for the purposes He places before us. This month, FaithFi is releasing its first-ever special edition of Faithful Steward magazine, entirely focused on women stewarding wealth. When you become a FaithFi Partner, we'll send you this special issue as our way of saying thank you for supporting the ministry. Learn more at FaithFi.com/Give. On Today's Program, Rob Answers Listener Questions: Can you recommend a reputable Christian debt consolidation company that could help lower a large monthly payment? I'm almost 69 and plan to wait until 70 to claim Social Security. If I keep working after 70, will my benefit continue to increase, and do I still pay Social Security taxes? I also keep having to pull from savings to cover my checking account. Who can help me build a realistic budget and get my spending under control? My wife and I earn a good income but still owe taxes each year. I've increased my 401(k) contributions to lower taxable income. Is that the best approach, or should I adjust my withholding or set money aside for taxes? I'm 65, plan to keep working, and have about $20,000 in savings with monthly expenses around $4,000. How should I use that money to prepare for retirement? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors FaithFi Field Guide: How Much Money is Enough? Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hour 4: A week 2 opportunity for the Jets and offseason ideas for the Mets. Getting friend zoned and the Yankees must take advantage of terrible teams.

Houston grabs crucial wins against both New York Teams while Hunter Brown took a big step towards regaining his ace form, and Yordan got back on the homer horse. Meanwhile, comments from Dana Brown point toward a challenging internal power dynamic in the Houston front office. How the Astros could now be staring at a season-defining stretch of games and what that means to their division opponents. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Over the coming decades, $124 trillion of wealth will change hands, placing women at the center of one of the largest wealth transfers in history. On the next Faith & Finance Live, Rob West and Sharon Epps discuss what that means. They also explain how women can prepare to steward these assets well. Then, it’s on to calls. That’s Faith & Finance Live, biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

This Week's Panel - ElroyOMJ, FreakyRO, InigoMontoya80   Show Discussion - The hosts hit the Xbox news section hard with special edition everything being released… but especially at the friendly Swedish furniture store. Then, in an exciting new feature the hosts execute a visual medium in an audio format. To finish it up they mention the even crappier theme system on TA, and then yell at the clouds about 24 hour stores.   Games Mentioned: ElroyOMJ - Mexican Ninja, Ben Hur, Hidden Cats in Barcelona, Angels with Scaly Wings (Enter the Dragon), A Winter Daydream (Enter the Grandma), Mario Lemieux Hockey (Sega Genesis) FreakyRO - Mavrix by Matt Jones (of Jacksonville Jaguars), Arc Raiders InigoMontoya80 - Mahjong Everything, USA Hockey 2026, Mr. Massagy: Mayo Edition (actually a game)   ----- AH101 Podcast Show Links - https://tinyurl.com/AH101Links Intro music provided by Exe the Hero. Check out his band Window of Opportunity on Facebook and YouTube

Millicent Meng: Art, Creativity & Building Something BiggerWhat happens when your passion for art becomes more than a hobby?In this episode of the WEInvested Podcast, Wesley Earp sits down with artist and photographer Millicent Meng at Lake Tahoe for a conversation about creativity, risk-taking, and building a life around the things you love.Millicent shares her journey as an artist, her experience at Jeremy Renner's Camp Rennervation, and the misconceptions she's encountered about pursuing art professionally. They also explore the intersection of creativity and business—from turning her “Love Tahoe” art series into a potential merchandise line to the possibility of writing a book.This conversation is about more than art. It's about having the courage to take your passion seriously, staying curious, and finding ways to turn creativity into opportunity.In this episode:• Pursuing art as more than a hobby• The business side of being an artist• Creativity as a tool for better decision-making• Millicent's experience at Camp Rennervation• Turning “Love Tahoe” into a brand• The importance of curiosity• Knowing when to take the shot—even when you don't know where it will lead

In this episode of The First Day from The Fund Raising School, Bill Stanczykiewicz, Ed.D., is joined by Vicki Pugh, CFRE, CAP, CEO of Advancement Experts and longtime faculty member with The Fund Raising School, to explore how fundraisers can begin using artificial intelligence with confidence, curiosity, and a healthy dose of caution. Drawing on decades of fundraising experience, Pugh describes her own entry into AI as a self-described “low tech girl living in a high-tech world.” Formal training helped her move beyond simply experimenting with large language models to understanding how better prompts could produce useful results. She explains that AI can accelerate tasks such as writing, summarizing, donor research, and data analysis, while giving fundraisers more time to focus on strategy and relationships. Bill and Vicki also emphasize an essential rule for using AI responsibly: verify the results. AI tools can hallucinate, produce inaccurate information, or present incomplete findings with confidence. Fundraisers should compare outputs across tools and continue using trusted sources such as donor research platforms, public records, organizational databases, and other established resources. AI can dramatically speed up the research process, but it should support professional judgment rather than replace it. Pugh shares several examples of how AI-assisted data analysis can translate into practical fundraising strategy. For one organization, analyzing giving patterns revealed unusually strong retention at a longstanding $350 giving level. That insight led to a strategy for encouraging donors to move toward $500 gifts, contributing to an additional $30,000 in fundraising. In another case, AI-supported analysis helped a nonprofit respond to a board request to increase annual fundraising from $2 million to $3 million by using historical growth rates to establish more realistic goals and identify the staffing and investment that additional growth would require. These examples demonstrate that AI is not only for large universities, hospitals, or nonprofits with sophisticated technology teams. Smaller organizations and one-person fundraising shops can use the same tools to examine retention, donor upgrades, acquisition opportunities, giving ranges, campaign goals, and other patterns that might otherwise require hours of manual analysis. Used effectively, AI can become an equalizer by helping organizations with limited staff access information and insights more quickly. At the same time, Pugh stresses that the “human element” remains indispensable. AI can identify where donor numbers, dollars, or retention rates are improving or declining, but fundraisers must decide what those patterns mean and how to respond. The technology may generate possibilities, but people still develop the personal outreach, communications, stewardship, renewal, and upgrade strategies that turn information into stronger donor relationships. As Bill notes, one of AI's most valuable roles may be idea generation rather than simply producing answers. The central takeaway is simple: fundraisers do not need to become technology experts overnight, but they do need to remain curious and continue learning. Pugh encourages professionals to take courses, learn from colleagues who understand AI, experiment with multiple platforms, and gradually build their skills. AI adoption is a journey, not a competition. By combining new technology with fundraising experience, verification, and human judgment, fundraisers can save time, gain better information, and make stronger strategic decisions.

In this episode of The D.O. Show, host Dustin Owen addresses a challenge that every loan officer faces at some point in their career: the anxiety and uncertainty that come when your pipeline suddenly drops to zero. Drawing on his two decades of hands-on experience in the mortgage industry, Dustin shares a practical, no-nonsense strategy for rebuilding your business from the ground up. He begins by emphasizing the importance of reconnecting with past clients, those individuals who already know, like, and trust you, and reminds listeners that these relationships can be a valuable source of repeat business and referrals. Dustin also discusses the value of reviving dormant leads, encouraging loan officers to reach out to prospects who may have gone cold or fallen off the radar. By re-engaging these contacts with authentic, personalized communication, you can often reignite interest and uncover new opportunities. In addition, Dustin highlights the critical role that referral partners and real estate agents play in filling your pipeline. He suggests setting up genuine, face-to-face conversations, whether over coffee, lunch, or a quick phone call, to strengthen these relationships and demonstrate your ongoing commitment to mutual success. Rather than getting distracted by the latest flashy marketing tactics or quick-fix solutions, Dustin advocates for a back-to-basics approach: consistent daily prospecting, disciplined time management, and diligent follow-up tracking. He stresses the importance of carving out dedicated time each day for outreach and relationship-building activities, and of keeping detailed records to ensure that no opportunity slips through the cracks. Throughout the episode, Dustin's core message remains clear: rebuilding a pipeline isn't complicated or mysterious. It's about persistence, having meaningful conversations, and establishing a sustainable routine that you can stick with over the long term. By focusing on these fundamentals and refusing to give up, any loan officer can overcome a zero pipeline and get back on track for lasting success. TLOP's Originator Coaching:

As inflation, margin pressure and shifting consumer behavior reshape the CPG landscape, private label is having a major moment — and brands need to decide how they'll respond. The hosts unpack why more retailers are embracing private label, how brands can leverage it to strengthen cash flow without undermining their own business, and why saying no to an opportunity could simply hand it to a competitor. Show notes: 0:20: Meetups & Mingling. Honey Mama's Mashups. Private Label, Big Moment. Networking Pays. CPG Wins & Woes. Weird Snacks. – The hosts kick off the episode with some playful banter about Ray's absence before reflecting on Taste Radio's recent Chicago Meetup and previewing upcoming events in San Diego, San Francisco and London. They sample a variety of new Honey Mama's products and discuss how the brand has evolved its product line without losing its core identity. The conversation then turns to the resurgence of private label amid inflation and a K-shaped economy, with Melissa highlighting a recent Nombase podcast focused on how brands can use private label to generate cash flow without diluting their core business. The hosts also make the case for attending industry events, emphasizing that networking can lead to unexpected opportunities and that founders should consistently invest in their networks rather than scrambling to build one when they need it. They spotlight several entrepreneurs and brands, including Goldie Lemonade founder Sean Rosenberg, Plainspeak Water from Sara Brooks, and Bake Me Healthy founder Kimberly Lau, whose decision to wind down her business underscores just how difficult building a successful CPG company can be. Finally, they sample a uniquely Canadian snack called Long Chips, debate whether the bacon flavor is actually bacon, and marvel at the product's unusual format. Brands in this episode: Honey Mama's, Stumptown Coffee, Prana, Goldie Lemonade, GNGR Labs, Plainspeak, Bake Me Healthy, Kodiak Cakes, Long Chips, Pringles

“Constantly proving yourself is a privilege.” – Danielle Milner Welcome to episode 240 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight.com, and Jill Nowacki, co-founder, president and CEO of Zealyst.This episode is sponsored by Trellance. Trellance is a leading technology partner for credit unions, delivering innovative technology solutions to help credit unions achieve more. With a comprehensive suite of analytics, cloud and talent solutions, the Trellance team ensures credit unions increase efficiency, manage risk, and improve member experience. Learn more here!In this 2026 season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.For this episode, we are thrilled to bring on Danielle Milner, CEO of First Responders Credit Union in Boston, to help us discuss the concept of opportunity. Listen in as Danielle reflects on her first year as CEO, including the unexpected lessons that came from moving across the country and stepping into a leadership role at an organization with such a strong history and identity. She shares how her team and board welcomed her almost immediately and how a family emergency shortly after her arrival showed her just how much care and connection existed within the organization even after just a small amount of time.From there, we talk about the importance of authenticity when deciding who we want to work with and how experience can make it easier to recognize when a relationship simply isn't the right fit. We also explore the expectations leaders carry into new roles and the surprising ways that those expectations can change once we're in the seat.A big part of our conversation is centered on Danielle's “notebook” of ideas and the discipline required to decide which ones deserve action. We discuss why saying no can create opportunity, how leaders can communicate priorities more clearly, and why inviting people to challenge our ideas can create authentic ownership rather than just compliance.Danielle enthusiastically explains why growing other leaders is her favorite part of leadership, while we talk about how curiosity, trust, and even a willingness to “poke holes” can help teams make better decisions. We also take a close look at developing talent via stretch assignments, recognizing strengths we may not initially see in people, and building leadership teams that complement our own weaknesses.Finally, as we get close to the end of our conversation, we look ahead at the credit union movement and the need to focus less on tools like AI and more on the outcomes that such tools are supposed to create. For Danielle, relevance starts with understanding who we serve and why it matters, and we finally do wrap up with a thought for anyone pursuing a leadership role: sometimes, the right opportunity isn't just about finding the right seat but is rather about finding the right home for that seat! Enjoy our conversation with Danielle Milner! Find the full show notes on cuinsight.com.Connect with Danielle:Danielle Milner, CEO of First Responders Credit Unionfirstresponderscu.org Danielle: Muck RackFirst Responders Credit Union: LinkedIn | Facebook | InstagramSubscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book ListShow notes from this episode:Sponsor: TrellanceShout-out: Danielle's momShout-out: Danielle's boardShout-out: HumanideiShout-out: NACUSOShout-out: Greg MichligShout-out: Navy Federal Credit UnionStory mentioned: “The Emperor's New Clothes” by Hans Christian AndersenShout-out: Jill's colleague SierraShout-out: Microsoft ExcelShout-out: Mike WilsonShout-out: Members 1st Federal Credit UnionShout-out: Becky SmithShout-out: APG Federal Credit UnionShout-out: MD/DC Credit Union AssociationPrevious guests mentioned in this episode: Mark Zook (#230); Tracie Kenyon (#12, CUInsight Network episode #64, & #209); Lauren Culp (#39, #115, & #211)In This Episode:[2:05] - Hear how Danielle discovered that supportive relationships helped her overcome doubts about becoming a C.E.O.[5:37] - It's important for leaders to recognize when saying no creates better opportunities than automatically accepting them.[6:21] - Authenticity helps leaders determine which professional relationships are truly compatible and trustworthy.[9:45] - Stepping into a new leadership role requires authenticity while recognizing the need to also constantly prove yourself.[12:50] - Hear how ownership taught Jill to trust herself while embracing the responsibility of setting her own expectations.[15:55] - Danielle sees opportunity in prioritizing people over an endless workload.[18:46] - Effective leaders need to carefully prioritize ideas according to their available resources and timing.[19:33] - Danielle reflects on having learned that clearly communicating priorities helps her team distinguish future possibilities from immediate action.[22:04] - Danielle touches upon how she uses constructive feedback to make individual ideas stronger.[24:15] - We talk about how leaders can turn constructive criticism into stronger ideas by encouraging people to identify solutions rather than just problems.[26:11] - Great leaders create curiosity, develop others, and use honest conversations to help people grow.[28:51] - It's important for credit unions to embrace imagination to create change.[30:55] - Effective leaders recognize their weaknesses, build trust, and surround themselves with complementary strengths.[33:42] - Learn how giving people new opportunities can reveal untapped strengths and expand their potential.[36:20] - Hear how stretch assignments provide valuable development opportunities, especially within smaller credit unions.[37:28] - Credit unions need to prioritize member relevance over technology when shaping their strategies.[40:27] - AI should support member-focused strategies rather than becoming the strategy itself.[43:57] - Danielle offers invaluable advice: trust that the right professional “home” will find you rather than obsessing over a specific position.Send us Fan Mail

What happens when a PA decides to add an MBA to their career? In this episode, I'm joined by Matthew (Matt) Wetherhold, MS, PA-C, DFAAPA who shares why he decided to pursue an MBA at this stage of his career and how he's using it to explore new opportunities, grow as a leader, and think differently about what the next 10 to 15 years of his career could look like. We also talk about how his perspective on financial independence (FI) has evolved over the years. After initially discovering the FIRE movement and thinking early retirement was the goal, he realized that he actually enjoys the work he does. Today, he sees financial independence less as a path to quitting work and more as a way to create greater flexibility and make career decisions based on what interests and challenges him. As PAs, we have unique opportunities to continue learning, take on new challenges, move into leadership, and change directions throughout our careers. This conversation explores what it can look like to intentionally build a career around growth, opportunity, and the options you want for your future. In this episode, we discuss: Why he decided to pursue an MBA as a physician associate / physician assistant What made this the right time in his career to go back to school How an MBA can support career growth and leadership development His interest in taking on more leadership roles How he sees his PA career evolving over the next 10 to 15 years Why a PA career doesn't have to follow one linear path How financial independence changed his approach to work and career decisions Why he no longer sees early retirement as the ultimate goal How financial flexibility can create more opportunities to pursue work that interests and challenges you The value of making career decisions based on more than just the paycheck Whether you're considering going back to school, interested in leadership, or simply thinking about what you want the next chapter of your PA career to look like, this episode will encourage you to think more broadly about the possibilities, options, and freedom available to you through the journey along the way to financial independence as a physician associate / physician assistant. Resources Mentioned: Simple Path to Wealth book (Amazon Affiliate) Ready to start taking control of your money by seeing where it's going every month? Get your free copy of the The PA Freedom Money Planner Would like more support along your journey to financial independence as a PA? Join the waitlist for The PA FREEDOM Method Connect with Matt on LinkedIn Connect with Matt on Instagram Connect with Kat with PA the FI Way: Follow PA the FI Way: Instagram → @pathefiway LinkedIn → www.linkedin.com/in/katarina-‘kat-astrup-mspas-pa-c-175848255 YouTube → www.youtube.com/@pathefiway Website → pathefiway.com

A Note from James:In 1790, one of the easiest ways to get rich in America was the old-fashioned way: marry someone rich.George Washington did pretty well that way. Benjamin Franklin, meanwhile, was so deep in debt that he offered to marry a woman if her parents would mortgage their house to pay off his printing press debt. When they said no, he married someone else who had money.And back then, debt was not just annoying. It could land you in debtor's prison. Actual prison. And not just you—your wife and kids could go too.Fast-forward to the 1900s, and most Americans still were not buying stocks. Only a tiny percentage owned shares. Everyday people were gambling, playing the numbers, using dream-interpretation books to decide what lottery number to play, and trying to find some edge that would move them a little closer to security.My guest today, Joseph Moore, literally wrote the book on this: How to Get Rich in American History: 300 Years of Financial Advice That Worked (& Didn't).The book is full of strange, funny, surprising stories about money in America: Franklin, Washington, debtor's prison, the Great Depression, bucket shops, real estate booms, FIRE, crypto, debt, index funds, and all the scams people keep falling for.But the bigger lesson is that the basic patterns have not changed as much as we think.People want security. People want freedom. People want hope. People want a way out. And whenever there is hope, there is usually someone selling a formula.Joseph has very little patience for the usual personal finance myths. Debt does not make you rich. Opportunity makes you rich. Real estate is not always a magic wealth machine. The stock market was not designed to be everyone's retirement plan. FIRE can work, but it can also become the CrossFit of personal finance. And optimism, marriage, mobility, risk, and solving other people's problems may matter more than almost anything else.If you think the rules for getting rich have changed completely, this conversation may convince you how little human nature has changed.Episode Description:Joseph Moore joins James to talk about the long, strange history of getting rich in America.His book, How to Get Rich in American History, looks at 300 years of financial advice—what worked, what failed, what people kept repeating, and what today's money culture keeps forgetting.The conversation starts in 1790, with George Washington, Martha Washington, Benjamin Franklin, Stephen Girard, debt, leverage, and debtor's prison. Joseph explains that many early American fortunes were built through risk, borrowed money, marriage, luck, and then—critically—de-leveraging over time.That becomes one of the core lessons of the episode: debt does not make people rich. Opportunity does. Debt is only a tool that allows someone to grab more of an opportunity than they otherwise could. But if the opportunity is not real, or the person cannot handle the risk, debt destroys them.James and Joseph then move into real estate. Joseph argues that real estate is a good way to build a modest middle-class fortune, but not usually the path to the biggest fortunes. In modern America, he says, real estate often functions as a short on the dollar, an income annuity in a low-dividend world, a tax shelter, and a way for ordinary people to use leverage they could not access anywhere else. But that does not make buying a house automatically smart. Renting versus buying depends on age, mobility, location, family needs, inflation, taxes, maintenance, transaction costs, and opportunity cost.The conversation then turns to the stock market. Joseph challenges the usual historical charts that claim anyone could have invested a fixed sum in 1929 and held forever. Most Americans could not invest that way. There were no index funds, mutual funds had high fees, and buying an index directly required enormous capital. Instead, everyday people went to bucket shops, bet on price moves, played the numbers, and treated gambling as a kind of financial hope.James and Joseph also discuss passive investing, shadow indexing, the rise of ETFs and 401(k)s, and the way the stock market has become a mass retirement promise. Joseph points out that this is historically new. For most of American history, no ordinary person would have expected to retire on the stock market.From there, the episode moves to FIRE: financial independence, retire early. Joseph has lived part of that story himself. He built enough wealth through rental real estate after 2008 to stop working for a period, only to discover that early retirement was not automatically fulfilling. He compares FIRE to CrossFit: extreme, demanding, sometimes powerful, sometimes injurious, and not a lifestyle most people actually want.The final section asks the big question: What has consistently worked?Joseph boils the lessons down to five pillars: solve other people's problems, take risks, move toward opportunity, marry well, and believe you can. James adds that optimism matters because it keeps people in the game long enough to get more shots on goal.The result is a conversation about money, but also about history, risk, luck, marriage, mobility, discipline, scams, and the difference between getting rich and staying rich.What You'll Learn:Why early American wealth often involved marriage, leverage, luck, and risk.How George Washington's marriage to Martha helped fund the Washington we remember.Why Benjamin Franklin's public advice about debt did not match his own early financial behavior.What debtor's prison meant in early America, including the risk to families.Why debt is a tool, not a wealth strategy by itself.Why opportunity—not debt—is what actually makes people rich.Why real estate can build middle-class wealth but rarely creates the biggest fortunes.How buying a home can reduce mobility and opportunity, especially for younger people.Why renting versus buying is situational, not a universal rule.Why most Americans historically could not invest in the stock market the way modern charts imply.What bucket shops and “the numbers” reveal about everyday financial hope.How passive investing changed the purpose of the stock market.Why stock-market concentration is not new, but mass participation is.Why FIRE can work mathematically and still fail psychologically.How older financial-independence stories often hid trust funds, inheritances, or outside support.Why inflation is one of the biggest risks to early retirement.Why getting rich and staying rich require different behavior.Why successful people often take risk early and reduce risk later.Why optimism is financially useful when it keeps people in the game.The five recurring pillars Joseph sees across American wealth-building history.Timestamped Chapters:[05:00] How to Get Rich in 1790James asks Joseph how someone got rich in early America, starting with George Washington, Martha Washington, and marriage as a financial strategy.[07:24] Stephen Girard and Benjamin Franklin's DebtJoseph compares Stephen Girard's leveraged rise with Franklin's messy early business debts.[10:29] Debt Does Not Make You RichJoseph explains that opportunity creates wealth, while debt simply lets someone reach for more of that opportunity.[11:23] Debtor's Prison Was RealJoseph explains why failing in the 1790s could mean prison not only for the debtor, but for the debtor's family.[12:25] The Real Estate MythJoseph argues that real estate can build modest wealth, but rarely creates the biggest fortunes.[13:43] Real Estate as a Short on the DollarJoseph explains modern real estate as an inflation bet, income annuity, tax shelter, and leverage tool.[15:22] You Need an EdgeJames argues that every bet has someone on the other side, which means investors need to know what their advantage actually is.[16:18] Beating the Market, Missing the MomentJoseph tells the story of shorting Jim Cramer stock pops, beating the market net of theory, losing to fees, and missing his daughter's first steps.[19:56] Shadow Passive InvestingJames and Joseph discuss hedge funds, index tracking, fees, and the way much of Wall Street quietly follows the same big benchmarks.[20:31] The Index RevolutionJoseph explains why Vanguard's 1976 index fund changed investing for ordinary Americans—and why passive investing may create new structural risks.[24:24] The Four Percent of Stocks That MatterJames and Joseph discuss stock-market returns, T-bills, concentration, and why a small number of companies drive most gains.[25:16] The Second Bank CrashJoseph compares modern market concentration to the 1830s, when the Second Bank of the United States made up a huge share of the stock market before collapsing.[26:21] The Stock Market as a Retirement PromiseJoseph explains why turning the stock market into a mass retirement strategy is historically new.[29:58] The Problem With “The Chart”Joseph criticizes the classic financial-advisor chart that assumes someone in 1929 invested a large sum, held forever, and never touched it.[31:17] Bucket Shops and Playing the NumbersJoseph explains how everyday people used gambling, bucket shops, and lottery-like games as financial hope when stock ownership was out of reach.[34:04] The Mean Moves Through TimeJoseph explains why history is not physics and why the “average” keeps changing as the economy changes.[35:49] Renting vs. BuyingJames and Joseph debate the homeownership myth, maintenance, taxes, transaction costs, mobility, family stability, and when buying can make sense.[41:02] FIRE and the Question of EnoughJames asks how much is enough in 2026, and Joseph explains why the answer depends on location, expectations, security, and lifestyle.[44:24] FIRE as the CrossFit of Personal FinanceJoseph compares FIRE to an extreme discipline that can work for some people but injure others if they push too hard.[45:38] Geoarbitrage and Selling the DreamJames and Joseph discuss moving somewhere cheaper, Instagram FIRE influencers, and the difference between living the dream and monetizing the dream.[46:00] The Long History of Financial IndependenceJoseph traces earlier versions of FIRE through Sylvester Judd, Thoreau, Emerson, and Helen and Scott Nearing.[49:17] Inflation and the FIRE RiskJoseph explains how Your Money or Your Life and bond-heavy financial independence strategies ran into changing interest-rate realities.[50:23] Five Pillars of Getting RichJoseph lays out the durable lessons: solve problems, take risks, move more, marry well, and believe you can.[53:43] Marriage, Optimism, and Staying in the GameJames and Joseph talk about supportive partnership, optimism, savings discipline, and why staying in the game increases opportunity.[56:11] The Line Between Optimism and RecklessnessJoseph distinguishes productive optimism from gambling and explains why control over outcomes matters.[58:28] Getting Rich vs. Staying RichJoseph explains why many wealthy people take risk early, then de-lever over time to keep what they built.[01:00:00] Leverage, Trading, and the Guy Who Never StopsJames and Joseph discuss extreme leverage, Bitcoin futures, Jesse Livermore, gamblers, and why some people cannot walk away.Additional Resources:Joseph Moore - History HelpsHow to Get Rich in American History - Book PageHow to Get Rich in American History - Google BooksNext Big Idea Club: “The Changing Rules for Getting Rich in America”Fast Company: “How the rules of getting rich in the U.S. change with every era”The Motley Fool Interview with Joseph MooreMeb Faber Show InterviewSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send me a some feedback!What if the fears and behaviors keeping you stuck aren't random—but protective programs running beneath your awareness? In this episode, Mike introduces APPs: Adaptive Protective Programs, unconscious patterns created to protect us from pain but which can eventually become limitations.Through a deeply personal story, Mike explores how his own APP—“love equals pain”—shaped his relationships, business, and ability to receive love and acceptance. He explains how identifying and releasing these programs can help us stop organizing life around what we're trying to avoid and finally begin playing offense. Key Takeaways1. APPs Are Adaptive Protective Programs APPs are unconscious patterns designed to protect us from experiences our nervous system has associated with pain.2. APPs Keep Us Playing Defense Fear of judgment, rejection, abandonment, failure, or visibility can keep us focused on avoiding pain instead of creating what we want.3. Yesterday's Protection Can Become Today's Limitation An APP may have helped you navigate an earlier experience, but that same protection can restrict your growth long after the original circumstances have changed.4. Awareness Gives You the Opportunity to Uninstall the APP When an APP activates, the DRILL Method helps you recognize the feeling, investigate it, listen to what it's telling you, and begin letting it go.5. You're Here to Play Offense Releasing outdated protective patterns allows you to move beyond survival and put more of your energy toward expansion, creation, and the life you came here to experience. Notable Quotes“We play life to avoid something instead of to create something. That is playing life on defense. It's basically protecting ourselves from something instead of unleashing ourselves in the world.”“The nervous system has one job and one job only, and that's to keep you alive. It tries to keep you alive by keeping you in familiar circumstances because it knows it can keep you alive there.”“There was an APP installed very early in childhood that my body developed as a defense mechanism to keep me from getting hurt. And that APP said: love equals pain.”“We're not here to live our lives through these APPs and hold on to them. We are here to become aware of them, acknowledge them, understand what they were trying to protect us from, and finally let them go.”“You are not here in this meat suit just to survive until your very last breath. You are here to expand your circumstances, expand your experience of life, and experience the dream that you came here to experience.” Take the Next StepWhat APP is running in the background of your life?Maybe it's telling you not to be seen, not to risk rejection, not to trust, not to ask for what you want, or not to become too successful.The work is not to judge these patterns. It's to recognize them, understand what they've been protecting you from, and begin releasing the protection you no longer need.If this episode revealed something in you and you're ready to dive deeper into your own APPs, nervous system, self-concept, and the patterns keeping you on defense, reach out to me personally at mike@innerwealthglobal.com.Let's explore how we can work together to help you uninstall what's keeping you stuck and begin playing offense for the life you actually came here to experience.Mike's Media:Website: https://www.innerwealthglobal.com/Facebook: https://www.facebook.com/mikekitkoInstagram: https://www.instagram.com/mike_kitkoTiktok: https://www.tiktok.com/@mikekitkoSubscribe to my YouTube: / @mikekitkoMusic Credit: "What's Left of Me" by Wes Hoffman & Friends

Sometimes one glimpse can change everything. For a woman facing an unexpected pregnancy, fear and uncertainty can make it difficult to know what comes next. But seeing her baby through an ultrasound can bring a moment of clarity—and open the door to compassionate care, practical support, and hope. Dan Steiner, Founder and President of PreBorn!, joined the show today to explain how the ministry partners with pregnancy clinics across the country to reach women facing unexpected pregnancies. PreBorn! provides ultrasound machines, training, financial support, and other resources to help local clinics serve women at a critical moment. The Power of an Ultrasound One of PreBorn!'s primary tools is remarkably simple: giving a mother the opportunity to see her baby. A gift of $28 can fund one ultrasound, $56 can fund two, and $140 can fund five. For donors with greater capacity, a $15,000 gift can help provide an ultrasound machine for a pregnancy center. According to Steiner, those machines can remain in service for years and help thousands of women. The ultrasound itself can be a powerful moment. A woman may arrive feeling pressure from a boyfriend, family member, or overwhelming circumstances. But seeing her baby's arms and legs and hearing the heartbeat can make the pregnancy suddenly feel very personal. PreBorn! says that seeing an ultrasound significantly increases the likelihood that an abortion-minded woman will choose life. The ministry then seeks to walk alongside her with compassion and practical support rather than judgment. Strengthening Local Pregnancy Centers PreBorn! generally does not operate pregnancy centers directly. Instead, it works alongside local clinics, many of which have limited staff and resources. The ministry helps provide ultrasound machines, funds individual scans, trains staff, assists with marketing and leadership, and works to increase clinic capacity. Steiner said PreBorn!'s network includes roughly 300 clinics across the United States, with an emphasis on reaching women in communities with high abortion rates. That partnership allows local ministries to focus on serving women while receiving resources they might otherwise struggle to afford. When Seeing Her Baby Changes the Story Steiner shared the story of one young mother who arrived at a pregnancy center intending to have an abortion. She already had two boys at home, her boyfriend was unsupportive, and she feared another child would make it harder to care for the children she already had. During her first ultrasound, she saw her baby and began to cry—but she still planned to proceed with an abortion. The following week, however, she returned for another ultrasound. At 11 weeks, she could see her baby moving. She also learned she was expecting a daughter. Having always wanted a girl, she decided to continue the pregnancy. Steiner pointed out that a donor funded her ultrasound—illustrating how even a relatively small gift can become part of a much larger story. More Than Meeting an Immediate Need For PreBorn!, the work does not end when a woman chooses life for her child. The ministry also wants women and families to encounter the hope of the gospel. PreBorn! trains clinic staff to share Christ when appropriate while emphasizing that those conversations should never be forced. Steiner said evangelism remains central to the ministry's mission, alongside practical care for mothers and their babies. That reflects a broader picture of Christian compassion: caring for both immediate physical needs and eternal spiritual needs while recognizing the dignity of every person made in the image of God. An Opportunity to Come Alongside Women FaithFi is partnering with PreBorn! to help fund 1,500 free ultrasounds. Every $28 funds one ultrasound, while larger gifts can provide multiple scans or even help place an ultrasound machine in a pregnancy center. According to Steiner, PreBorn!'s network saw more than 84,000 babies saved from abortion in the previous year and provided more than 136,000 ultrasound scans across the country. For Christians thinking about generosity, this is a reminder that stewardship is not simply about giving money away. It is about prayerfully using what God has entrusted to us to serve others, meet tangible needs, and point people toward the hope of Christ. To learn more or support the campaign, visit FaithFi.com/PreBorn or dial #250 and say “BABY.” On Today's Program, Rob Answers Listener Questions: I have money sitting in the bank and about $3,000 in credit card debt. Should I use some of my savings to pay off the cards, and where should I keep the rest so it earns more without being too easy to spend? I have an RMD of about $10,000 that I need for living expenses. Is there any way to reduce the tax impact, and what should I do with the money if I need to spend it? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) PreBorn! Christian Credit Counselors FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Has God put it on your heart to start a Christian Homeschool Community? You want to walk in obedient purpose but you lack the confidence that you are going to do things the right way? Maybe you are just overwhelmed with all the decisions and are unsure as to where you should even start? How do you find people who share your desire to build a close-knit community where you can grow together in your faith? Molly and Pam have been working hard to create a course that walks you through this process. Listen in to see how you can give it try for free!!   Next Steps:  CLICK HERE TO JOIN OUR PILOT COURSE  - FROM THE GROUND UP Schedule a coaching call:  https://homeschoolcommunitybuilders.com/ Join our Facebook group- Lead Your Homeschool Co-op https://www.facebook.com/groups/72507320516066 Become a Lead Your Homeschool Co-op Insider and get first dibs on valuable resources to help you lead, organize, and connect your community.  https://homeschoolcommunitybuilders.com/contact/ Contact us! info@homeschoolcommunitybuilders.com  

What if the thing you're struggling to change doesn't require more discipline? What if you don't need another book, another podcast, another course, or another morning routine? What if you just need a different room? Because most of us are working way too hard trying to manufacture motivation when we could be building an environment where the behavior we want becomes normal. You probably don't need more motivation. You may need different people around you. In Part 1 of this conversation, April explored the Pygmalion Effect and how the expectations and behaviors of the people around us quietly influence what we believe is normal, possible, and expected of us. Now it's time to actually use it. In this episode of PivotMe, April takes the concept from awareness to action with a simple three-step framework for intentionally designing your environment around the person you're becoming. And there's an important distinction: you don't need one magical group of people who elevate every part of your life. Your business peers might challenge your thinking about growth, while your fitness friends raise your health standards and another group influences your relationships, finances, parenting, or sense of adventure. In This Episode, You'll Learn: Why you need different peer groups for different areas of your life The difference between a Default Peer Group and a Designed Peer Group How to identify the gap between Current You and Future You Why obsessing over how can actually stall your progress How to identify people who already normalize the results you want Why you don't necessarily need a mentor, you need proximity How your environment can make better behaviors feel normal Why successful peers become evidence of what's possible How My3Y → Future Friends → Designed Peer Group → Pygmalion Effect work together Three actions you can take immediately to start changing your environment The 3-Step Framework 1. Find the Gap Choose one area where there's a meaningful difference between how you're living now and how you want to live. 2. Find the Person Who is already performing at or near the level you want to reach? 3. Get in Proximity Coffee. Lunch. A workout. A mastermind. A conference. A class. A running group. Just get closer.   Pick one area of your life. Find someone who already lives closer to the standard you want. Then do something to get into proximity. Send the text. Schedule the coffee. Join the class. Ask for the introduction. Go to the conference. Don't just become more educated about peer groups. Change your peer group. ---------------- Want more tools to help you create momentum, clarity, and growth in your business and life? Ready to take this work beyond the podcast? Join us at Collaborate 2026, our once-a-year, in-person transformational experience in Grass Valley, California. Spend 2.5 powerful days gaining clarity, building momentum, and doing the deep work alongside growth-minded leaders. Early Bird pricing ends March 31st, and seats are limited. Reserve yours at www.theaprilgarcia.com/collaborate.

What if you have been waiting for a title to make you a leader, and everyone around you already sees you as one? This week on the Glow Up, Gyrl Podcast, Kyra sits down with Sharonda Holland, founder of Higher Ground Leaders and a hospitality leader with more than 15 years in the industry. Sharonda says the organization was born out of what she calls failure. There were seasons when nothing was going according to plan, and she was questioning whether she was even on the right path. What she found on the other side was that the encouraging she had been doing for emerging leaders in her community was not a side thing. It was the work. In this episode: Why Higher Ground carries that name, and what constantly climbing actually means Leading before the title, and why leadership is smaller and simpler than most people think The mold most of us picture when we hear the word leader, and how wrong it is Why women struggle with confidence, and the comparison trap social media keeps setting The brag folder that turns a bad day around What to do when you feel stuck, and why analysis paralysis keeps you frozen Pivoting is not failure, and how to spot burnout before it flattens you Active listening as a leadership trait nobody puts on the list Opportunity areas instead of weaknesses, and why the language matters How faith and surrender show up in the way Sharonda builds and leads Her three takeaways: do not be afraid to pivot, do not be afraid to fail, and keep climbing Whether you are waiting on a promotion that has not come, rebuilding after something did not work out, or leading a team without the title to match, this conversation will meet you right where you are. Learn more: highergroundleaders.com Follow Sharonda: @highergroundleaders Stay connected to Glow Up, Gyrl: Website: glowupgyrl.com | Email: hello@glowupgyrl.com Instagram, TikTok, LinkedIn: @glowupgyrl | Facebook: @glowupgyrlatl Learn more about your ad choices. Visit megaphone.fm/adchoices

René Saúl spent seven years running an offline agricultural lending business in Mexico before selling it and pouring the proceeds into Kapital, a bet that the future of B2B fintech in Latin America belonged to companies willing to become regulated banks. Today Kapital is the largest B2B fintech in the region, and René is the only founder in the space who has bought not one but two banks, one of the deals agreed to on a napkin.What We CoveredWhy the future of fintech is regulated, and why that was a contrarian call in 2021René's seven years running an offline agricultural lending business in MexicoThe founding thesis behind Kapital's one-stop B2B banking ecosystemHow Mexico's electronic invoicing system became Kapital's underwriting moatThe "red car theory" of spotting opportunities before they arriveBuying Banco Autofin on a napkin, and growing its deposits from $150 million to $400 million in three monthsAcquiring the banking, brokerage and payments assets of Grupo Financiero IntercamBuilding instant, 24/7 cross-border payment rails on top of SWIFTClosing the small business financing gap with AI-native underwritingWhy Mexico is becoming a cornerstone of America's AI manufacturing boomThe limits of banking an economy that still runs largely on cashKapital's growth numbers and its path to a dual listing in New York and MexicoKey TakeawaysMexico's electronic invoicing mandate hands Kapital more than 50,000 data points per customer, a seven-year head start on underwriting that competitors using third-party providers cannot easily close.For large enterprises and cash-strapped SMBs alike, a banking license, not a slicker app, is what earns the trust needed to hold their money and their cash flow.Opportunities have to be hunted, not waited for. Kapital tracked potential bank acquisitions for years so it could move in days when the Autofin deal appeared.Staying liquid and profitable before either acquisition is what let Kapital move fast when the opportunity came, rather than scrambling to raise capital under pressure.About René SaúlRené Saúl is the co-founder and CEO of Kapital, which he built after selling an offline agricultural lending business that financed berry and avocado exporters in Mexico and Peru. Under his leadership, Kapital has grown into a licensed financial group serving more than 300,000 customers across Latin America, with more than $5.3 billion in assets and two bank acquisitions behind it.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

A great meeting, event, or introduction can open the door, but the follow-up is what turns that opportunity into real business. In this episode, Mike discusses the momentum created by the recent ROPED event, Coastal Fertilization's expansion into North Jersey, and the new opportunities developing with landscapers, colleges, public agencies, and industry partners. He also shares practical lessons on staying professionally persistent, creating clear next steps, building the right team, and following up without becoming annoying.

On Washington Wednesday a familiar name wins a divided Senate primary, and Hunter Baker weighs what carried Darline Graham across the finish line before turning to presidential power over voting and welfare reform at 30. On World Tour, in Afghanistan, women find one narrow economic opening under Taliban rule. Plus: an old railway comes back to life, a baby arrives riding shotgun, Janie B. Cheaney makes room for silence, and the Wednesday morning news.Support The World and Everything in It today at wng.org/donate.Additional support comes from Covenant College in Georgia. Looking for a Christ-centered education with a deep commitment to academic excellence? Located on top of Lookout Mountain, Georgia, Covenant College students thrive in a Christ-centered community and are equipped to pursue their callings through a vibrant liberal arts education. Applications for Fall 2027 are open, and students who visit are eligible to receive a grant of $2,000. More at Covenant.edu/world.From Ascend by Unbound. A higher education program focused on practical skill development and career preparation.  beunbound.us/worldAnd from Dordt University's Master of Education program. Equipping educators with advanced classroom and leadership abilities. dordt.edu

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney S. Diane Clair. A Georgia-based attorney, real estate law professor at Kennesaw State University, and founder of a law practice specializing in real estate, estate planning, probate, business, and contract law. The discussion focuses on wealth building through real estate investing, asset protection, and estate planning strategies for generational wealth. Purpose of the Interview The primary purpose of the interview was to: Educate listeners about real estate investing opportunities, including lesser-known strategies such as tax liens and tax deeds. [ Stress the importance of working with qualified legal professionals instead of relying on Google, social media, AI tools, or generic legal templates. [ Promote wealth preservation through estate planning, particularly trusts and business structures. [ Encourage minority communities to create estate plans and pass wealth to future generations. [ Key Takeaways 1. Don't Rely Solely on Google, Social Media, or AI for Legal Advice Clair warns that many individuals attempt to create wills, trusts, and legal documents online without professional guidance. She emphasizes that legal matters require experienced attorneys because AI and internet sources may provide incomplete or incorrect information. Why it Matters Legal mistakes can create costly problems later. AI-generated content can be inaccurate. Estate planning and real estate transactions require professional review. 2. Real Estate Is a Powerful Wealth-Building Tool Clair argues that real estate remains one of the strongest ways to build and transfer wealth between generations. She highlights its relative stability compared to stock market fluctuations. Benefits Mentioned Builds long-term wealth Generates passive income Creates assets that can be inherited Helps achieve financial freedom [ 3. Start Real Estate Investing Through a Business Entity One of Clair's first recommendations is to establish a legal business structure before purchasing investment properties. Recommended Structures LLC Corporation Other formal business entities [ She repeatedly stresses that investment assets ideally should not be owned in an individual's personal name. 4. You Don't Need Large Amounts of Money to Invest A major myth she debunks is that real estate investing requires significant capital. Entry-Level Strategies Tax liens Tax deeds Foreclosure purchases Fix-and-flip projects Rental properties [ According to Clair, investors can begin with relatively small amounts by purchasing tax liens and earning interest when property owners redeem them. [ 5. Estate Planning Is Largely Ignored Clair shares a startling statistic: Approximately 64% of Americans do not have an estate plan. Among minorities, that number rises to about 70%. [ She believes the problem is educational rather than financial, noting that even wealthy celebrities frequently fail to plan their estates. 6. Trusts Are Better Than Wills for Many Situations Clair strongly favors trusts, especially irrevocable trusts, as vehicles for preserving wealth. Advantages of Trusts Avoid probate Potential tax benefits Asset protection Easier transfer of wealth Can operate while the creator is still alive Difference Between a Will and a Trust Will Takes effect after death Goes through probate court Directs distribution of assets Trust Can function during the owner's lifetime Avoids probate Can provide stronger protection and tax advantages [ 7. Asset Protection Is Essential Clair explains that trusts can own: Real estate Bank accounts Businesses Investments Other valuable assets Because the trust, rather than the individual, owns the property, there can be additional protection from lawsuits and claims. Notable Quotes On Legal Services Beyond Personal Injury Law "You can hire lawyers for way more, and we can assist you in way more." [ On Using AI for Legal Matters "AI is not really something you want to trust... It creates and makes up stuff." [ On Professional Guidance "You want to book a consultation with an attorney." On Real Estate Investing "A lot of people have that misconception that you have to have a lot of money to start investing in real estate, and that's not true." On Generational Wealth "Real estate is something that is the best thing to invest in and pass down to future generations." [ On Estate Planning "This is not a money thing... It's an education thing." [ On Trusts "The best estate planning instrument is always going to be a trust." On Asset Ownership "Don't have anything in your own name, have it in the name of the trust or in the business." Overall Message Attorney Diane Clair's central message is that wealth creation and wealth preservation must work together. Building assets through real estate is important, but equally important is protecting those assets through proper business structures, trusts, estate planning, and professional legal guidance. The interview encourages listeners, especially entrepreneurs and minority communities, to think long term about generational wealth, asset protection, and financial legacy rather than short-term gains. [#BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney S. Diane Clair. A Georgia-based attorney, real estate law professor at Kennesaw State University, and founder of a law practice specializing in real estate, estate planning, probate, business, and contract law. The discussion focuses on wealth building through real estate investing, asset protection, and estate planning strategies for generational wealth. Purpose of the Interview The primary purpose of the interview was to: Educate listeners about real estate investing opportunities, including lesser-known strategies such as tax liens and tax deeds. [ Stress the importance of working with qualified legal professionals instead of relying on Google, social media, AI tools, or generic legal templates. [ Promote wealth preservation through estate planning, particularly trusts and business structures. [ Encourage minority communities to create estate plans and pass wealth to future generations. [ Key Takeaways 1. Don't Rely Solely on Google, Social Media, or AI for Legal Advice Clair warns that many individuals attempt to create wills, trusts, and legal documents online without professional guidance. She emphasizes that legal matters require experienced attorneys because AI and internet sources may provide incomplete or incorrect information. Why it Matters Legal mistakes can create costly problems later. AI-generated content can be inaccurate. Estate planning and real estate transactions require professional review. 2. Real Estate Is a Powerful Wealth-Building Tool Clair argues that real estate remains one of the strongest ways to build and transfer wealth between generations. She highlights its relative stability compared to stock market fluctuations. Benefits Mentioned Builds long-term wealth Generates passive income Creates assets that can be inherited Helps achieve financial freedom [ 3. Start Real Estate Investing Through a Business Entity One of Clair's first recommendations is to establish a legal business structure before purchasing investment properties. Recommended Structures LLC Corporation Other formal business entities [ She repeatedly stresses that investment assets ideally should not be owned in an individual's personal name. 4. You Don't Need Large Amounts of Money to Invest A major myth she debunks is that real estate investing requires significant capital. Entry-Level Strategies Tax liens Tax deeds Foreclosure purchases Fix-and-flip projects Rental properties [ According to Clair, investors can begin with relatively small amounts by purchasing tax liens and earning interest when property owners redeem them. [ 5. Estate Planning Is Largely Ignored Clair shares a startling statistic: Approximately 64% of Americans do not have an estate plan. Among minorities, that number rises to about 70%. [ She believes the problem is educational rather than financial, noting that even wealthy celebrities frequently fail to plan their estates. 6. Trusts Are Better Than Wills for Many Situations Clair strongly favors trusts, especially irrevocable trusts, as vehicles for preserving wealth. Advantages of Trusts Avoid probate Potential tax benefits Asset protection Easier transfer of wealth Can operate while the creator is still alive Difference Between a Will and a Trust Will Takes effect after death Goes through probate court Directs distribution of assets Trust Can function during the owner's lifetime Avoids probate Can provide stronger protection and tax advantages [ 7. Asset Protection Is Essential Clair explains that trusts can own: Real estate Bank accounts Businesses Investments Other valuable assets Because the trust, rather than the individual, owns the property, there can be additional protection from lawsuits and claims. Notable Quotes On Legal Services Beyond Personal Injury Law "You can hire lawyers for way more, and we can assist you in way more." [ On Using AI for Legal Matters "AI is not really something you want to trust... It creates and makes up stuff." [ On Professional Guidance "You want to book a consultation with an attorney." On Real Estate Investing "A lot of people have that misconception that you have to have a lot of money to start investing in real estate, and that's not true." On Generational Wealth "Real estate is something that is the best thing to invest in and pass down to future generations." [ On Estate Planning "This is not a money thing... It's an education thing." [ On Trusts "The best estate planning instrument is always going to be a trust." On Asset Ownership "Don't have anything in your own name, have it in the name of the trust or in the business." Overall Message Attorney Diane Clair's central message is that wealth creation and wealth preservation must work together. Building assets through real estate is important, but equally important is protecting those assets through proper business structures, trusts, estate planning, and professional legal guidance. The interview encourages listeners, especially entrepreneurs and minority communities, to think long term about generational wealth, asset protection, and financial legacy rather than short-term gains. [#BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney S. Diane Clair. A Georgia-based attorney, real estate law professor at Kennesaw State University, and founder of a law practice specializing in real estate, estate planning, probate, business, and contract law. The discussion focuses on wealth building through real estate investing, asset protection, and estate planning strategies for generational wealth. Purpose of the Interview The primary purpose of the interview was to: Educate listeners about real estate investing opportunities, including lesser-known strategies such as tax liens and tax deeds. [ Stress the importance of working with qualified legal professionals instead of relying on Google, social media, AI tools, or generic legal templates. [ Promote wealth preservation through estate planning, particularly trusts and business structures. [ Encourage minority communities to create estate plans and pass wealth to future generations. [ Key Takeaways 1. Don't Rely Solely on Google, Social Media, or AI for Legal Advice Clair warns that many individuals attempt to create wills, trusts, and legal documents online without professional guidance. She emphasizes that legal matters require experienced attorneys because AI and internet sources may provide incomplete or incorrect information. Why it Matters Legal mistakes can create costly problems later. AI-generated content can be inaccurate. Estate planning and real estate transactions require professional review. 2. Real Estate Is a Powerful Wealth-Building Tool Clair argues that real estate remains one of the strongest ways to build and transfer wealth between generations. She highlights its relative stability compared to stock market fluctuations. Benefits Mentioned Builds long-term wealth Generates passive income Creates assets that can be inherited Helps achieve financial freedom [ 3. Start Real Estate Investing Through a Business Entity One of Clair's first recommendations is to establish a legal business structure before purchasing investment properties. Recommended Structures LLC Corporation Other formal business entities [ She repeatedly stresses that investment assets ideally should not be owned in an individual's personal name. 4. You Don't Need Large Amounts of Money to Invest A major myth she debunks is that real estate investing requires significant capital. Entry-Level Strategies Tax liens Tax deeds Foreclosure purchases Fix-and-flip projects Rental properties [ According to Clair, investors can begin with relatively small amounts by purchasing tax liens and earning interest when property owners redeem them. [ 5. Estate Planning Is Largely Ignored Clair shares a startling statistic: Approximately 64% of Americans do not have an estate plan. Among minorities, that number rises to about 70%. [ She believes the problem is educational rather than financial, noting that even wealthy celebrities frequently fail to plan their estates. 6. Trusts Are Better Than Wills for Many Situations Clair strongly favors trusts, especially irrevocable trusts, as vehicles for preserving wealth. Advantages of Trusts Avoid probate Potential tax benefits Asset protection Easier transfer of wealth Can operate while the creator is still alive Difference Between a Will and a Trust Will Takes effect after death Goes through probate court Directs distribution of assets Trust Can function during the owner's lifetime Avoids probate Can provide stronger protection and tax advantages [ 7. Asset Protection Is Essential Clair explains that trusts can own: Real estate Bank accounts Businesses Investments Other valuable assets Because the trust, rather than the individual, owns the property, there can be additional protection from lawsuits and claims. Notable Quotes On Legal Services Beyond Personal Injury Law "You can hire lawyers for way more, and we can assist you in way more." [ On Using AI for Legal Matters "AI is not really something you want to trust... It creates and makes up stuff." [ On Professional Guidance "You want to book a consultation with an attorney." On Real Estate Investing "A lot of people have that misconception that you have to have a lot of money to start investing in real estate, and that's not true." On Generational Wealth "Real estate is something that is the best thing to invest in and pass down to future generations." [ On Estate Planning "This is not a money thing... It's an education thing." [ On Trusts "The best estate planning instrument is always going to be a trust." On Asset Ownership "Don't have anything in your own name, have it in the name of the trust or in the business." Overall Message Attorney Diane Clair's central message is that wealth creation and wealth preservation must work together. Building assets through real estate is important, but equally important is protecting those assets through proper business structures, trusts, estate planning, and professional legal guidance. The interview encourages listeners, especially entrepreneurs and minority communities, to think long term about generational wealth, asset protection, and financial legacy rather than short-term gains. [#BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

We cover how Qualified Opportunity Zones work, why the timing of your investment matters, and all the rules for investments made in 2026 are very different from those beginning in 2027.You'll learn about the 180-day investment deadline, the limited deferral available in 2026, and the new five-year deferral beginning in 2027. Most importantly, you'll learn why an Opportunity Zone investment should make financial sense before considering the tax benefits.

Some of Australia's strongest extended-stay demand sits in places most travelers would never think about. Damien Gallace, Managing Director and Co-Founder of Extended Stay Australasia, joins me on No Vacancy with a very different way to look at the #HotelDevelopment map. His team follows demand from steel, mining, ports, defence, hospitals and universities, then looks for places where people need to stay for weeks or months and the right accommodations don't exist yet. That gets even more compelling when Damien says Australia's #ExtendedStay market trails the U.S. by roughly 15 to 20 years. His team already identifies more than 50 locations where the model fits.Sometimes the biggest #Hospitality opportunities aren't where people want to vacation. They're where people need to be. Listen to this one and you'll look at Australia's hotel map very differently. Thanks to our friends at Actabl for supporting No Vacancy. Actabl gives you the power to profit. Visit Actabl.com. Want the weekly roundup of news, videos, and what you might've missed from #NoVacancyNews? Text HOTEL to 66866.

⚡️Click Here To Text Monique!In this episode, Monique shares a client story about an exciting opportunity that almost became real, then slipped away.Her client had already begun rearranging her life around the possibility. She was making plans, preparing her family, and feeling a kind of joy she had not felt in a long time. When the opportunity went to someone else, the disappointment was heavier than expected.Monique uses this story to explore what happens when a dream opens something in you, even if the door itself closes. Through the image of digging tunnels and a reflection on Harriet Tubman, she points listeners toward a deeper truth about freedom, possibility, and who we become when we dare to move toward something new.The outcome is not the whole story. Tune in to Tune in to hear what the pursuit may have revealed, and why what you found along the way may matter more than the opportunity itself.GEMS DROPPED“It's a reward ​that ​we're ​chasing ​at ​the ​end ​of ​this, ​of ​these ​tunnels ​that ​we're ​digging, ​the ​work ​that ​we're ​putting ​in. But ​consider ​​that ​maybe ​the ​opportunity ​was ​not ​the ​gift, ​but ​that ​rather ​the ​tunnels ​were.”“You ​have ​to ​imagine ​yourself, ​believe in yourself, ​know ​yourself ​to ​be ​free ​in ​order ​to ​create, ​to ​seek ​to ​be ​free,  ​to ​become ​free. Because ​you ​become ​a ​beacon ​of ​freedom ​when ​you ​behave ​as ​if ​you ​are ​free.”“Opportunities ​don't ​present ​themselves ​as ​gifts ​to ​us. ​They are co-created. It's ​​who ​you ​get ​to ​see that ​you're ​capable ​of ​being ​that ​becomes ​the ​gift.”“Who ​you're ​capable ​of ​being,​ ​is ​likely ​far ​beyond ​any ​of ​the ​fear, ​the ​doubt, ​the ​constraints, ​the ​things ​that ​feel ​biggest ​to ​you ​right ​now. ​You ​do ​have ​the ​opportunity ​to ​set ​them ​down ​and ​to ​remember ​who ​the ​f&*% ​you ​are.”MENTIONEDHarriet TubmanBrené BrownThe Power of Now by Eckhart TolleEmotional Intelligence by Daniel GolemanMindset: The New Psychology of Success by Carol S. DweckSTAY IN TOUCHCome and follow me on Instagram @moniquershields and I would love your feedback so send an email to ambition@moniquershields.com. 

Aug 25, 2026 Dr. JOE MORECRAFT,Pastor of Heritage PresbyterianChurch of Cumming, GA, who willaddress: “GOSPEL OPPORTUNITIES OURSOVEREIGN LORD GAVE to MEDURING A HEALTH CRISIS” Subscribe: iTunes TuneIn Android RSS Feed Listen:

With a single step, a world shattered and the stars faltered. Those who witnessed the destruction must face the future and pick up the pieces, but first they must escape the Dragon Path and return home—or at least near it. To do that, though, they'll need to capture Jonathan's airship, the Adventure Beckons, from the Creed of Oracles… This week on Perpetua: Escape the Rumbling Castle! 07 Perpetua Guide [In Progress v.06] NPCs & Monsters [PNMS] Creed of Oracles Infantry [NMCOIN] Typical Traits: Gritty, Grim Type: Humanoid Hunter Level: 10 Rank: Soldier Stats: DEX 10, INS 8, MIG 10, WLP 6 Attacks: Holy Salvo, Forceful Flurry Special Abilities: Summon Platemail Elemental Affinities: RES: Physical | VUL: Dark, Poison In-Game Description: With blessed light armor, rifle, and bayonet, Infantry make up the bulk of the Oracle's ranks. The rank-and-file soldier in the Creed of Oracles. If you decide to rush across the open courtyard when you first arrive to area of the castle, you can fight an infinite number of these guys. They aren't especially hardy, but their Holy Salvo is built specifically to knock out sturdy physical characters, so don't underestimate them! Starter Tip: If you can do it, try to dispel their summoned platemail, it'll make fighting them toe to toe a lot easier. Hovering Pyroclastic Typical Traits: Precise, Devoted, Short-fused Type: Humanoid Support Level: 10 Rank: Soldier Stats: DEX 8, INS 8, MIG 6, WLP 10 Attacks: Ignition, Volcanic Charge Special Abilities: Flying, Bracing Ash Elemental Affinities: RES: AIr, Earth [Can gain Fire] | VUL: Dark, Ice, [Starts with Fire] In-Game Description: A soldier in the robes and armor of the Creed of Oracles with flamethrower and a number of volcanic explosives at their belt. These floating demolitionists punch through your elemental defenses and their volcanic charges are like sticky grenades that give a boost to anything that hits your side of the field. Most importantly: They can cover themselves in a magical ash that will boost their might and give them a Fire resistance. Once they do this, they sort of become solid all-arounders, so it's best to knock them out before they can do that. Starter Tip: Hit them with Dark or Ice damage to bring them down to melee range! Fares, Devout Chef Traits: Tricky, Inventive, Religious, Adaptable Type: Humanoid Saboteur Level: 10 Rank: Soldier Stats: DEX 8, INS 8, MIG 8, WLP 8 Attacks: Poison Vial Special Abilities: Bottled Vigour, Enervating Powder Elemental Affinities: RES: Earth, Fire, Light| VUL: Air, Dark, Ice In-Game Description: A chef of the Creed of Oracles. Master of the Kitchen and Pantry. This guy SUCKS! I don't even mean in combat, he's fine to fight. But as a character, I hate how he can draw you into conflict. There's basically only one way through his conversation tree that doesn't draw you either into combat with him immediately (with reinforcements coming soon after) or up into the Barracks where his friends are. Personally, I prefer to just knock him out ASAP and then sneak up to the hidden passage a few rooms away. Starter Tip: If he manages to poison you, don't forget to use your IP for an Antitote. Poisoned doesn't do damage over times like in some games, instead it saps BOTH your Might and Willpower, so whether it hits a bruiser or a mage, you're in trouble!  Ushala, Conduit Traits: Mysterious, Possessed, Sacrificial Type: Demon Mage Level: 10 Rank: Soldier Stats: DEX 10, INS 8, MIG 10, WLP 6 Attacks: Heaven's Light, Heaven's Glory, Heaven's Call Special Abilities: Flying, Pressure Gauge Elemental Affinities: IMM: Light | RES: Physical, Poison | VUL: Dark | Pressure Points: Dagger, Sword In-Game Description: A member of the Creed who temporary gives their body up to be possessed by the spirit of the holy Oracles.  So, as far as I know, there's two versions of Ushala you can fight. The above is the "standard" one, which is what happens when the Gem Scene goes the way it almost always does. But I've heard that if you manage to get the gem away from the Draconic Elf safely, then Ushala can become possessed (by who? My theory is Lucena) and then she gets a second, much harder phase. Which is saying something, because even this version of her is NO JOKE. Starter Tip: If you can, hit her with Shaken and Poisoned (the status condition, NOT the damage type). All three of her attacks are based on WLP, so it helps to knock that down as far as possible. Sarithe, Shieldmaiden [NMSRSH] Traits: Courageous, Devout, Charismatic, Armored  Type: Humanoid Sentinel Level: 10 Rank: Champion (4) Stats: DEX 8, INS 8, MIG 10, WLP 8 Attacks: Face Me!, Intercepting Javelin Special Abilities: Elemental Shield, Head up, Soldier!, Not this time!, Get behind me!, Strong Will, Honest Heart!, Pressure Gauge Elemental Affinities: IMM: | RES: Light, (Can gain Air, Earth, Fire, Ice) | VUL: Bolt, Dark, Poison |  Pressure Points: Flail, Firearm, Spear, Heavy Weapon In-Game Description: A knight in elementally-charged armor, wielding a tower shield and a javelin that hums with power. Despite being fully kitted out in heavy armor, Sarithe's abilities seem designed to make her a strong support character. She keeps her crew safe not only by taking hits for them, but also by healing them, stopping Opportunities (critical hits), and granting them multiple elemental resistances. Starter Tip: Because she has a pressure gauge (from the Armidirge games), she doesn't take extra damage from the elements she's weak against. Instead, if you can hit her six times with something she's vulnerable to (including her pressure point weapon types), she'll get staggered and she loses all of her actions for the rest of the round. Be sure to take advantage of this!! Hosted by Austin Walker (austinwalker.bsky.social) Featuring Ali Acampora (ali-online.bsky.social), Art Martinez-Tebbel (amtebbel.bsky.social), Jack de Quidt (notquitereal.bsky.social),  Janine Hawkins (@bleatingheart), Sylvi Bullet (@sylvibullet), Keith J Carberry (@keithjcarberry) and Andrew Lee Swan (swandre3000.bsky.social) Produced by Ali Acampora Music by Jack de Quidt (available on bandcamp) Cover Art by Ben McEntee (https://linktr.ee/benmce.art) With thanks to Amelia Renee, Arthur B., Aster Maragos, Bill Kaszubski, Cassie Jones, Clark, DB, Daniel Laloggia, Diana Crowley, Edwin Adelsberger, Emrys, Greg Cobb, Ian O'Dea, Ian Urbina, Irina A., Jack Shirai, Jake Strang, Katie Diekhaus, Ken George, Konisforce, Kristina Harris Esq, L Tantivy, Lawson Coleman, Mark Conner, Mike & Ruby, Muna A, Nat Knight, Olive Perry, Quinn Pollock, Robert Lasica, Shawn Drape, Shawn Hall, Summer Rose, TeganEden, Thomas Whitney, Voi, chocoube, deepFlaw, fen, & weakmint This episode was made with support from listeners like you! To support us, you can go to friendsatthetable.cash.

Industrial Talk is onsite at Octave Live and talking to Kristin Coyle, Product Manager, Engineering Analysis at Octave about "Using AI for Prototyping". The conversation promotes the Barcelona Cybersecurity Congress from November 3-5, 2023, emphasizing its importance for cybersecurity professionals. Scott Mackenzie hosts the Industrial Talk podcast, celebrating industry innovators. Kristin, a third-generation engineer, discusses her role at Octave, where she uses AI tools like Claude to prototype and improve software for pressure vessel analysis. She highlights the importance of human interaction in AI development, the need for real-time solvers, and the potential for AI to reduce rework and improve efficiency. Kristin also mentions her involvement in API 579 and ASME, underscoring her extensive industry experience. Outline Barcelona Cybersecurity Congress Announcement Scott introduces the Barcelona Cybersecurity Congress, emphasizing its importance for cybersecurity professionals.The event is scheduled for November 3-5 in Barcelona, with networking opportunities and expert discussions.Scott mentions their own participation and broadcasting at the event.Encourages listeners to mark their calendars and join the conference. Introduction to Industrial Talk Podcast Scott is described as a passionate industry professional focused on innovations and trends.Scott thanks listeners for joining the top industrial-related podcast.Highlights the achievements of industry professionals, calling them heroes for solving daily problems. Live Broadcast from Octave Live Scott announces the live broadcast from Octave Live, an event for a new company.Kristin is introduced as a key figure at Octave, leading innovation.Scott humorously mentions meeting Kristin in a bar, adding a light-hearted tone.Kristin shares her positive experience at the event, comparing it to Hexagon Live. Kristin's Background and Family Legacy Kristin shares her background, mentioning her family's engineering legacy.Her father was a top LNG expert, and her grandfather was a NASA rocket scientist.Kristin trained as a violinist with the Houston Symphony but chose engineering.Discusses her education at Drexel University in Philadelphia for material science. Kristin's Role at Octave and Innovation Kristin explains her role at Octave, focusing on customer needs and prototyping.Uses Claude, a chat-based AI tool, to prototype and demonstrate ideas to customers.Describes the process of creating prototypes and refining them based on customer feedback.Highlights the importance of real-time solvers and dashboards in their software. Challenges and Opportunities in AI Implementation Kristin discusses the challenges of training AI on customer data while protecting intellectual property.Emphasizes the need for continuous interaction with customers to avoid data drift.Mentions the importance of beta testing and gathering customer feedback.Highlights the potential for AI to reduce rework and improve efficiency. Impact of AI on Engineering and Collaboration Kristin talks about the transformative impact of AI on engineering tasks.Describes how AI can free up engineers' time for more creative and strategic work.Discusses the potential for real-time collaboration and better product development.Emphasizes the importance of human interaction in the AI development process. Future of AI and Industry Collaboration Kristin shares her vision for the future of AI in the industry.Highlights the need for continuous training and improvement of AI tools.Discusses the potential for AI to revolutionize various aspects of engineering and analysis.Emphasizes the importance of collaboration and communication in achieving these goals. Kristin's Contact Information and Final Thoughts Kristin provides her contact information for further discussions and collaboration.Scott encourages listeners to reach out to Kristin and engage with the industry.Highlights the importance of storytelling and sharing experiences in the industry.Concludes the podcast with a call to action for listeners to join the conversation and stay updated with industry trends. If interested in being on the Industrial Talk show, simply contact us and let's have a quick conversation. Finally, get your exclusive free access to the Industrial Academy and a series on “Why You Need To Podcast” for Greater Success in 2026. All links designed for keeping you current in this rapidly changing Industrial Market. Learn! Grow! Enjoy! KRISTIN COYLE'S CONTACT INFORMATION: Personal LinkedIn: https://www.linkedin.com/in/kristincoyle/ Company LinkedIn: https://www.linkedin.com/company/octaveintelligence/ Company Website: https://www.octave.com/ PODCAST VIDEO: https://youtu.be/59Fsnon3V_A THE STRATEGIC REASON "WHY YOU NEED TO PODCAST": OTHER GREAT INDUSTRIAL RESOURCES: NEOM: https://www.neom.com/en-us Hexagon: https://hexagon.com/ Arduino: https://www.arduino.cc/ Fictiv: https://www.fictiv.com/ Hitachi Vantara: https://www.hitachivantara.com/en-us/home.html Industrial Marketing Solutions:  https://industrialtalk.com/industrial-marketing/ Industrial Academy: https://industrialtalk.com/industrial-academy/ Industrial Dojo: https://industrialtalk.com/industrial_dojo/ We the 15: https://www.wethe15.org/ YOUR INDUSTRIAL DIGITAL TOOLBOX: LifterLMS: Get One Month Free for $1 – https://lifterlms.com/ Active Campaign: Active Campaign Link Social Jukebox: https://www.socialjukebox.com/ Business Beatitude the Book Do you desire a more joy-filled, deeply-enduring sense of accomplishment and success? 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What if the biggest threat to your wealth isn't how much you make—but what you were never taught about keeping, protecting, and multiplying it?Marvin Mitchell returns to Inside the Vault with Ash Cash to break down the wealth strategies most people never learn in school, at work, or from the traditional financial system.After more than 20 years as a financial advisor, Marvin says the biggest shift is not always learning something new—it's unlearning the financial habits that keep people retirement rich but cash poor.In this episode, Marvin breaks down the difference between a debtor, saver, and wealth creator; why your money can't grow beyond your mindset; how wealthy people use leverage instead of constantly liquidating assets; and why high earners can still struggle with lifestyle creep.He also opens up about receiving a $1.3 million tax bill and says that after investing in high-level tax expertise, he was able to reduce the bill to under $200,000. Then the conversation turns to AI.Marvin says his coaching business generated $12 million without a single U.S. employee—using AI and overseas team members to keep payroll low while scaling operations. He explains why entrepreneurs should learn tools like ChatGPT, Grok and Perplexity, and why AI should be treated as an amplifier for your knowledge instead of just a shortcut. Marvin and Ash also discuss mentorship, real estate tax strategies, trusts, estate planning, infinite banking, protecting wealth across generations, and why the answer to your next level may not be “how”—it may be “who.”Learn more from Marvin: Instagram: @marvinmitchellofficial TransformYourWealthChallenge.comInside the Vault: @insidethevault InsideTheVaultShow.comHost: @iamashcash IAmAshCash.comABUNDANCE IS YOUR BIRTHRIGHT.Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life:TheAbundanceCommunity.comTIMESTAMPS00:00 – AI, leverage & the wealth rules nobody teaches 02:17 – Welcome to Inside the Vault 03:23 – Marvin returns after the viral infinite banking episode 04:50 – Who is Marvin Mitchell? 05:48 – What people need to unlearn about money 07:13 – Retirement rich but cash poor 09:01 – Debtor, saver or wealth creator? 10:06 – The 3 money identities 11:05 – Opportunity cost & making money work multiple times 12:06 – Lifestyle creep 12:30 – Budget vs. spending plan 13:14 – Foundation, core & speculative wealth 13:48 – Emergency funds, insurance & protection 14:17 – Building the “boring” core 15:02 – Why YOU are the best investment 16:21 – Can you inherit wealth and keep it? 17:01 – Your money cannot grow beyond your mindset 18:35 – “If you want more, be more” 19:27 – How the IRS can destroy wealth 20:18 – Marvin's $1.3M tax bill 21:41 – Cutting $1.3M to under $200K 22:17 – What schools and jobs don't teach you 23:30 – Why Marvin believes in investing in mentorship 24:00 – The $80 paycheck that changed his thinking 25:10 – $100K mentorships and million-dollar returns 26:03 – The parable of the talents 27:23 – Why the master was the real wealth creator 28:27 – The answer isn't “how”—it's “who” 29:18 – How to avoid fake gurus 30:29 – Look at the fruit AND the infrastructure 31:59 – Should you pay for mentorship? 33:00 – Marvin's mission to become the “Black Dave Ramsey” 33:58 – The Transform Your Wealth Challenge 34:13 – Wealthy people leverage instead of liquidate 34:34 – Real estate tax strategies & cost segregation 35:16 – How the 5-day challenge works 42:54 – Giraffes, turtles & protecting big dreams 44:24 – How to take advantage of the wealth transfer 44:32 – Learn AI 45:02 – Using AI as employees 45:20 – $12M business with no U.S. employees 45:43 – “AI is not here to take your job” 46:42 – AI is an amplifier 47:07 – Marvin's AI business-planning prompt 48:08 – Is becoming your own bank still relevant? 48:49 – Revocable vs. irrevocable trusts 50:11 – Spendthrift, special needs & charitable trusts 54:05 – Why Compass Retirement is becoming Compass Wealth 55:05 – “Abundance is your birthright” 55:55 – Connect with Marvin 56:23 – Join the Transform Your Wealth Challenge 57:04 – Closing the VaultAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Are you actually searching for a new life—or are you searching for permission to become who you already are?In this episode of Badass Basic Bitch, Brianna sits down with Dr. Sarah Webb, author, channeler, spiritual coach, and internationally recognized expert on colorism, for a powerful conversation about identity, worthiness, self-awareness, spirituality, and learning to distinguish the life you truly want from the one you've been conditioned to live.Dr. Sarah's path began in academia as an English professor working in the humanities and exploring complex social issues. Her work eventually evolved into a deeper examination of colorism, identity, healing, and spirituality. She is the author of Colorism: The Politics of Skin Tone and How We Get Free and now works with people through channeled coaching and dream journeys, guiding them on a heart-led mission to transform their lives from the inside out.Brianna and Dr. Sarah explore how much of our identity is consciously chosen versus inherited from our families, cultures, communities, and societal expectations. Dr. Sarah explains why the body can be one of our greatest sources of information when determining whether we're living authentically—and why tension, discomfort, expansion, dreams, and even daydreams deserve our attention.They also dive into colorism and the ways skin-tone bias can shape identity and worthiness, sometimes without people consciously recognizing its influence. Dr. Sarah shares why healing isn't only about understanding what happened to us, but recognizing the agency we have now to interrupt patterns and prevent pain from continuing into future generations.This conversation is an invitation to become curious about your own story: How much of your life reflects who you really are—and how much of it was handed to you?In This Episode, We Discuss:How to recognize whether you're living your own story or one that was handed to youThe difference between authentic desire and societal expectationWhy your body can reveal whether your life feels alignedHow identity can be both inherited and intentionally createdWhy changing your life doesn't always mean completely starting overDr. Sarah's journey from English professor to author, channeler, and spiritual coachHow childhood experiences with bullying shaped her compassion and workWhy she became passionate about helping people recognize their unrealized potentialWhat colorism is and why it's important to talk about itHow skin-tone discrimination can occur within the same racial or ethnic communityWhy colorism is a global issue that crosses culturesThe connection between colorism, internalized bias, and worthinessHow societal biases can influence identity without us consciously realizing itWhy healing our relationship with ourselves is foundationalWhat spirituality means outside of traditional religious definitionsHow dreams, daydreams, journaling, and self-reflection can deepen self-awarenessWhat Dr. Sarah means by a “dream journey”How dreams can provide information about our emotions, desires, and directionUsing body scans to recognize tension, expansion, and other physical signalsWhy noticing patterns is more powerful than analyzing one isolated experienceHow inherited and systemic wounds can continue across generationsThe role of agency in breaking cycles of trauma and painWhy becoming more self-aware can change what we pass down to the next generationMemorable Quote“Sometimes we don't need to move out of the house. Sometimes we need to renovate.” — Dr. Sarah WebbKey TakeawaysYour Body Knows When Something Doesn't FitOne of the simplest ways to begin questioning whether you're living authentically is to notice how your life actually feels.Rather than only asking, Does my life look successful? or Am I doing what I'm supposed to be doing?, Dr. Sarah encourages us to pay attention to what happens inside our bodies as we move through our days.Where do you feel tension? Where do you feel expansive? What drains you? What makes you feel more alive?Your body can provide information that your conscious mind has learned to ignore.You Can Honor Your Circumstances Without Being Defined by ThemNot every aspect of our lives is something we consciously chose. We inherit families, cultures, circumstances, expectations, identities, and experiences.But Dr. Sarah explains that recognizing what we've inherited doesn't mean we have no agency over what happens next.Sometimes transformation doesn't require abandoning everything and becoming someone completely different. Like renovating a house, we can examine what's already there, decide what still serves us, and intentionally rebuild the parts that don't.Colorism Is About More Than Skin ToneDr. Sarah defines colorism as discrimination based on skin tone, including discrimination that happens among people within the same racial or ethnic group.But the impact goes deeper than appearance.Colorism can influence how people are perceived, treated, valued, and how they eventually learn to perceive themselves. Because these messages can become deeply internalized, people may not recognize the role colorism has played in their identity until much later in life.Worthiness Starts With Your Relationship With YourselfExternal biases can eventually become internal beliefs.When we're repeatedly exposed to messages about which appearances, identities, or characteristics are considered more valuable, those ideas can shape our sense of worth—even when we consciously disagree with them.Healing requires examining not only how the world has treated us, but also the beliefs we've absorbed and the relationship we've developed with ourselves as a result.Your Dreams May Be Telling You SomethingDream work doesn't have to mean finding a mystical interpretation for every detail of a dream.Dr. Sarah encourages people to simply begin paying attention.Keep a journal beside your bed. Write down what you remember. Notice your daydreams too. What were you thinking about? What was happening immediately before it? What emotions came up?Over time, patterns may emerge that help reveal desires, fears, needs, and possibilities that aren't getting your attention during everyday life.Self-Awareness Can Start With a Simple Body ScanYou don't need an elaborate spiritual practice to become more connected to yourself.Pause and scan your body.Notice your jaw, shoulders, chest, stomach, hands, and legs. Where are you holding tension? Where do you feel relaxed? What happens in your body when you think about certain people, decisions, or areas of your life?The goal isn't to immediately fix what you notice. It's to start listening.Healing Gives Us an Opportunity to Break the CycleWe may inherit wounds, biases, beliefs, behaviors, and coping mechanisms from the people and systems that came before us.But inheritance doesn't have to equal destiny.Dr. Sarah emphasizes the importance of recognizing our agency. We may not have chosen what happened to us or what was passed down to us, but becoming conscious of those patterns gives us an opportunity to make different choices—and change what gets passed forward.A Simple Self-Awareness PracticeIf you want to begin exploring some of the ideas from this episode, Dr. Sarah suggests starting small:Keep a dream journal. Write down what you remember when you wake up, even if it's only a few details.Pay attention to your daydreams. Notice not only what you're imagining, but what was happening when your mind went there.Scan your body. Notice tension, discomfort, relaxation, and expansion without immediately trying to change any of it.Look for patterns. One dream, thought, or sensation may not mean much by itself. Pay attention to what keeps returning.Get curious about your story. Ask yourself which parts of your life feel consciously chosen and which might reflect expectations or identities you've inherited.The goal isn't to have all the answers. It's to become more aware of the information you're already receiving.Connect with Dr. Sarah WebbDr. Sarah Webb is an author, channeler, spiritual coach, and internationally recognized expert on colorism. Through channeled coaching and dream journeys, she guides students on a heart-led mission to transform their world from the inside out.

In this episode, dairy farmer Jennifer Glover of Mountain Fresh Creamery talks about the different opportunities for those interested in entering the dairy industry.   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

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See what the team at The Successful Bookkeeper has on right now → If you've been watching the AI wave roll in and wondering what it means for your bookkeeping practice, this episode is for you. Alex Lee, co-founder and CEO of Truewind, brings a clear-eyed perspective grounded in three and a half years of building AI tools specifically for accountants. His message is direct: the future of accounting has always been about you, and that isn't changing. Chapters [00:00] Opening: Fear and Opportunity [01:18] Alex Lee's Unlikely Path to AI [04:18] The Future Is Still You [08:00] Will AI Replace Bookkeepers? [12:00] Crawl, Walk, Run: Getting Started [16:30] AI Adoption Across the Profession [19:30] Data Privacy and Security Checklist [24:00] Vision for Accounting's Future [27:00] About Truewind The Work That Has Always Mattered Alex draws a useful historical line — from carving debits and credits in limestone, to paper ledgers, to file cabinets, to cloud software, and now AI. "I see AI as the next iteration of technology that may shape how accountants are doing the work," he says. "But ultimately, the work of the accountants is the same." What AI does is create space for bookkeepers to spend more time on the things that are genuinely hard to automate: being a trusted advisor, being a real business partner, and — as Alex puts it — shaking hands and looking someone in the eye. Those things don't disappear no matter how good the models get. The Spreadsheet Comparison Worth Remembering When the fear of replacement comes up — and it does — Alex points to a pattern that has played out before. When spreadsheets arrived, people predicted mass job losses in accounting. Instead, the profession grew. Some small business owners did start managing their own five-line chart of accounts, and some will use AI to handle basic recordkeeping themselves. But that's not your client. "As accountants, it puts you in a very unique position to elevate yourself in terms of your AI skills and demonstrate to businesses, I know how to use this tool exceptionally well." The expertise gap has always been the value. AI doesn't close that gap — it widens it in your favor if you lean in. A Crawl, Walk, Run Framework for Getting Started Alex is practical about adoption. Start by picking one AI tool you've already heard of — maybe tried once — and use it for everyday tasks: drafting a client email, writing a performance review, planning a trip. Get comfortable at that level before adding complexity. Walking looks like connecting your AI to your Slack, email, or call recordings and asking it to synthesize information — summarizing client pain points before a proposal, for example. Running is letting AI handle a meaningful portion of your day-to-day operations. "Just get started," Alex says. "Over time, get more sophisticated, and then over time, let it be the primary operating system for you." Handling Data Privacy the Right Way Financial data demands careful handling, and Alex doesn't gloss over it. His checklist for vetting any AI vendor: confirm they are SOC 2 Type 2 compliant with a reputable auditor (not a quick rubber-stamp), verify that data privacy agreements exist between your vendor and the underlying model providers like OpenAI or Anthropic, and look for a genuine philosophy of data protection — not just a claim on a website. For teams that are still nervous about connecting client data to AI tools, his advice mirrors the crawl-walk-run approach: start by using AI internally with your own team's Slack and shared drives. Build confidence there before expanding to client-facing workflows. A Bigger Demand for Accountants Is Coming Alex's outlook for the next one to five years is genuinely optimistic. He sees AI acting as a catalyst for what he calls a "Cambrian explosion of demand for accounting." As business models shift from billable hours toward fixed-fee engagements and technology enables firms to handle more clients with the same headcount, he expects more businesses — not fewer — to seek out qualified accounting professionals. "Accountants can get more done with less, driving an influx of demand for what accounting firms can provide." The firms positioning themselves now, building AI literacy and deepening client relationships, are the ones that will be ready to capture that demand. Links Mentioned Truewind — Alex's AI-powered accounting platform The Successful Bookkeeper — show resources and guest information PureBookkeeping — episode sponsor, proven system to grow your bookkeeping business About the Guest Alex Lee is the co-founder and CEO of Truewind, an AI-powered accounting platform built for accounting firms and corporate finance teams. Before founding Truewind, Alex worked as an aerospace engineer at Boeing, spent time in venture capital, and built a financial planning and analysis company. Truewind launched in the same month as ChatGPT and has spent the past three and a half years building what Alex describes as an "agentic workspace" for accountants — integrating with QuickBooks Online, Sage Intacct, and NetSuite to help teams cut close time by 30 to 50%. You can reach Alex directly on LinkedIn or learn more at truewind.ai. About the hostMichael PalmerMichael Palmer is the host of The Successful Bookkeeper podcast and co-founder of Pure Bookkeeping and The Successful Bookkeeper. He started this work because of his father — a brilliant electrical contractor who worked twice as hard as he should have had to, because nobody on the financial side was in his corner. That gap is what The Successful Bookkeeper exists to close. His view: bookkeepers are the most undervalued force in small business — and every bookkeeper who builds a real business changes two families: theirs, and their clients'.

DESCRIPTION Welcome to The Ecommerce Braintrust podcast, brought to you by Julie Spear, Head of Retail Marketplace Services, and Jordan Ripley, Director of Retail Account Management. Today, we're tackling a topic that has evolved from a conference panel talking point into one of the most significant media budget shifts in digital advertising: Amazon DSP for non-endemic brands.  Historically, brands that don't actually sell physical products on Amazon's marketplace have questioned why they should buy Amazon media. Today the conversations we're having with brands are very different.  Joining us today to unpack why 2026 is the turning point for non-endemic media buying is our very own Director of Retail Media at Acadia, Ross Walker.  Let's dive in!    Quote: If you're a non-endemic brand and you're hitting a point of consistent diminishing returns with your traditional media channels, that's the first signal that you should consider testing into a new media channel like ADSP. Ross Walker   KEY TAKEAWAYS In this episode, Julie, Jordan, and Ross discuss: Endemic vs. non-endemic, simplified: It's really just "sells on Amazon" vs. "doesn't sell on Amazon" - the jargon is mostly industry inertia. Amazon DSP has hit parity with The Trade Desk: Years of building out premium CTV/STV, audio, digital out-of-home, and owned-channel inventory means Amazon can now support the same kind of full-funnel programmatic buys as legacy DSPs. The real edge is commerce data, at a lower cost: No other DSP has Amazon's depth of purchase-intent signal, and Amazon has intentionally kept platform and audience fees low to win market share while it can. Premium CTV reach is a genuine unlock: ADSP now reaches roughly 80 million authenticated CTV households a month through partners like Netflix, Disney+, and Roku - inventory that used to be exclusive to players like The Trade Desk. Attribution is no longer the weak link: Tools like Amazon Marketing Cloud, the Amazon Ad Tag, and conversion APIs let non-endemic brands tie a Netflix or Roku impression directly to a D2C sale, lead form, or sign-up - solving a measurement gap that's plagued programmatic for years. Endemic brands get more flexibility too: Brands that do sell on Amazon can now send DSP traffic to their own site or other retailers (Walmart, Ulta, Home Depot), though the richest behavioral/custom audiences are still reserved for traffic that stays on Amazon. Signals to know it's time to test ADSP: Diminishing returns on Meta/Google/Trade Desk, or an audience with strong, specific purchase intent are both green lights to start testing. What still differentiates DSPs going forward: As capabilities converge across platforms, the real differentiator becomes each platform's unique owned audiences and media properties (e.g., Amazon's Prime Video, Walmart's owned data via The Trade Desk).

Adam Stoker opens with a hard look at why the industry plays it safe, and how that instinct produced both the sea of sameness and the funding fight that came with it. Then Jason Gamel, President and CEO of ARDA, shows what it costs in practice. The timeshare industry generates $3.3 billion in annual rental revenue, all taxed like any other stay, and the average family of four spends just under $5,000 per trip with lodging already paid for. Most destinations have never built a relationship with the resorts producing it. Jason and Adam get into who to call, how to tap shoulder-season inventory, and the stigma still keeping DMOs from picking up the phone. Jason also shares the risk he's taking right now: an association-owned insurance captive, two and a half years in and still not guaranteed to launch. Subscribe to our ⁠⁠⁠⁠newsletter⁠⁠⁠⁠! The ⁠⁠⁠⁠Destination Marketing Podcast⁠⁠⁠⁠ is a part of the ⁠⁠⁠⁠Destination Marketing Podcast Network⁠⁠⁠⁠. It is hosted by Adam Stoker and produced by Brand Revolt. If you are interested in any of Brand Revolt's services, please email ⁠⁠⁠⁠adam@thebrandrevolt.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠www.thebrandrevolt.com⁠⁠⁠⁠. To learn more about the Destination Marketing Podcast network and to listen to our other shows, please visit ⁠⁠⁠⁠www.thedmpn.com⁠⁠⁠⁠. If you are interested in joining the network, please email ⁠⁠⁠⁠adam@thebrandrevolt.com⁠⁠⁠⁠.

Episode 148 | Coach Jack Bors - Stevenson UniversityPSB High Academic ShowcaseOriginally Recorded: August 16, 2026When you're broadcasting from Stevenson University, there's only one place to start... with the home coach!Coach Jack Bors of Stevenson University joins Kurt & Chelsie as our first guest from the Pro Skills Basketball High Academic Showcase, an invite-only event bringing talented student-athletes from across the DMV together for a day of basketball, exposure and opportunity.With dozens of college coaches in the building scouting, assessing and coaching, Coach Bors gives us the perspective from the college sideline. We talk about the showcase, what coaches are looking for when evaluating prospective student-athletes and the importance of finding players who can succeed both on the court and in the classroom.We also get an opportunity to talk Stevenson basketball, Coach Bors' program and what it means to have this collection of players and college coaches competing right on his home floor.It's the perfect way to begin our conversations from the showcase... the home gym, the home coach and a full day of hoops ahead.

In this episode, Dallas Barkman shares his insights on adapting to market shifts, building strong relationships, and leveraging social media for real estate success. Discover practical strategies for scaling your real estate business and overcoming common challenges.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode, Michael Tempel shares insights on multifamily investing, deal sourcing, property management, and the impact of market trends. Discover practical strategies for value-add projects, raising capital, and navigating regulatory challenges in real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Anne-Michelle Wand shares her journey from Colorado to Panama, highlighting her international real estate investments, business strategies, and insights on building passive income streams abroad. Discover how her experience and relationships have fueled her success in the Caribbean market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

CheckoutThe God Centered Concept Academy Training Community to learn what growth in Christ isTUVU CommunitiesCheck out this link to view Kingdom Cross Roads on TV.https://jesussaid.tv/?affiliate=tswright_gccTo get a copy of our new book "Embracing the Truth" or to have TS Wright speak at your event or conference or if you simply want spiritual or life coaching or just a consultation visit:www.tswrightspeaks.comVisit our website to learn more about The God Centered Concept. The God Centered Concept is designed to bring real discipleship and spreading the Gospel to help spark the Great Harvest, a revival in this generation.www.godcenteredconcept.comKingdom Cross Roads Podcast is a part of The God Centered Concept.How should Christians share the Gospel in a world that may not understand—or even agree with—the Christian faith?In this episode of Kingdom Cross Roads Podcast, host T. S. Wright welcomes back Rev. Stu Woods for a message from Colossians 4:2–18 about living as faithful witnesses for Jesus Christ.Rev. Stu begins with Paul's instruction to “devote yourselves to prayer, being watchful and thankful.” Prayer is not meant to be an occasional religious exercise. It is regular communication with our Heavenly Father—bringing Him our concerns, hopes, needs, struggles, and thanksgiving.The message then turns to Paul's remarkable perspective while imprisoned. Instead of focusing primarily on his difficult circumstances, Paul asked believers to pray that God would open a door for the Gospel and enable him to proclaim Christ clearly.That same calling remains before believers today.Rev. Stu challenges Christians to examine how they speak and behave toward those outside the faith. Our words and actions can either help someone move toward Christ or become an unnecessary obstacle.Drawing from Colossians 4:5–6, he emphasizes:Be devoted to prayer.Remain watchful and thankful.Pray for God to open doors for the Gospel.Make the most of every opportunity.Treat those outside the faith with wisdom, kindness, and respect.Let your conversations be full of grace and “seasoned with salt.”Listen before answering.Grow in your knowledge of Scripture.Share your personal testimony and connect it to God's Word.Remember that believers plant and water seeds, but God gives the growth.One memorable challenge from the episode is the idea that there are “five Gospels”—Matthew, Mark, Luke, John, and you—because for many unbelievers, the life of a Christian may be the first testimony about Jesus they closely examine.Rev. Stu calls this approach “gospel kindness”: speaking truth without abandoning grace, treating people with dignity, and allowing the character of Christ to be visible through our lives.The episode concludes with the reminder that Christians are called to faithfully sow and water the seed of God's Word while trusting the Holy Spirit with the results. Scriptures DiscussedColossians 4:2–18 Matthew 5:43–48 Luke 7:47 1 Corinthians 3:6–7Keywords / TagsKingdom Cross Roads Podcast, Kingdom Crossroads Podcast, Rev Stu Woods, Reverend Stu Woods, TS Wright, T S Wright, Colossians 4, Colossians 4 2-18, sharing the Gospel, share the Gospel, Christian evangelism, Christian witness, Gospel message, Gospel kindness, devoted to prayer, power of prayer, Christian prayer, thankful prayer, Christian gratitude, seasoned with salt, conversation full of grace, witnessing for Jesus, sharing Jesus, spreading the Gospel, Great Commission, Christian discipleship, biblical teaching, Bible study, New Testament teaching, Apostle Paul, Paul in prison, Christian living, Christian encouragement, faith in Jesus Christ, Jesus Christ, salvation through Jesus, Holy Spirit, evangelism training, reaching unbelievers, reaching the lost, Christian testimony, biblical evangelism, Kingdom of God, Christian podcast, Bible podcast, Jesus Said TVCall to ActionWho has God placed in your life who needs to experience the grace and truth of Jesus Christ?This week, devote yourself to prayer. Ask God to open a door for the Gospel, give you wisdom to recognize the opportunity, and help your words be full of grace and seasoned with salt.Then be willing to step through that door.If this message encouraged you, follow and subscribe to Kingdom Cross Roads Podcast, share this episode with someone who needs to hear it, and help us spread the Gospel around the world.

$1,500 in lifetime giving. A million-dollar gift in the will.Tony Martignetti calls it the planned giving multiplier — the gap between what a donor gives you while they're living and what they leave you when they're gone. It's often measured in the thousands. And the donors most likely to trigger it aren't your wealthiest. They're your most loyal.

(00:00-25:51) – Query & Company kicks off on a Monday with Jake Query and producer Eddie Garrison recapping the Freedom 250 Grand Prix from Washington D.C. yesterday, and the quarterback two battle with how poor Riley Leonard performed against the Atlanta Falcons. (25:51-37:41) – The Indianapolis Colts defense left a lot to be desired in Saturday’s preseason game against the Atlanta Falcons. Jake dives into the performance of the pass rushers because there is a lot the Colts are banking on this season and CJ Allen’s NFL debut. (37:41-44:44) – Jake Query concludes the first hour of the show by expressing the concern that he has about Charvarius Ward’s availability for week one with how little information we have about his back injury. (44:44-1:12:31) – The Dean, Mike Chappell, from CBS4 and FOX59 makes his weekly stop on Query & Company to chat with Jake Query about the latest happenings with the Indianapolis Colts. Their conversation starts by discussing the brutal second preseason game for the Colts, his current thoughts on the QB2 battle between Anthony Richardson Sr. and Riley Leonard and then they transition to the kicking competition and his thoughts on the Alec Pierce recovery timeline. (1:12:31-1:29:13) – Indiana Fever radio analyst Bria Goss joins Jake Query to recap the five-game road trip for the team and to discuss the vulnerability that Stephanie White showed when asked about how she compartmentalizes the drama and outside noise. They also get into the best guard duo in the WNBA performing at an elite level last night and the development of MaKayla Timpson from last year to this season. (1:29:13-1:54:50) – Jake Query kicks off the final hour of today’s show by diving more into the Indianapolis Colts loss to the Atlanta Falcons in preseason game two on Saturday with neither quarterback performing well. Jake believes that the entire Colts front office is wanting Riley Leonard to show them something, but he just hasn’t through two preseason games. It leads to him questioning Shane Stiechen’s ability to cater to Anthony Richardson’s strengths. (1:54:50-2:10:39) – The voice of the Indiana Hoosiers, Don Fischer, makes his return to Query & Company to preview the start of IU’s defense of the College Football Championship. Fischer believes that Charlie Becker has a chance to become one of the best receivers in college football this season, doesn’t question the ability of Curt Cignetti to identify and develop quarterbacks, and agrees with Jake that running back could be the deepest position group on the team on paper right now. (2:10:39-2:14:54) – The show closes out with JMV joining Jake to preview his show!Support the show: https://1075thefan.com/query-and-company/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain.