Podcasts about Pampers

I recently had a long conversation with a very successful professional. He's 58 years old. Highly educated. Respected in his field. Financially sophisticated — in fact, his job depends on understanding money. If you looked at his résumé, you would assume he was completely set for life. He wasn't. A couple of bad investments. Some concentration risk. A few decisions that looked reasonable at the time. And suddenly he's essentially back at ground zero — trying to start a new business at 58. This story is far more common than people realize. The Dangerous Assumption is that many successful professionals assume they'll be fine. Doctors. Lawyers. Executives. Entrepreneurs. They make high incomes. They understand finance. They know about markets and interest rates and diversification. They focus on their career. They focus on income. They even focus on investing. What they don't focus on is their own financial future with the same intensity they focus on their profession. There's a difference. Being financially literate is not the same thing as being financially intentional. Especially when you assume you always have more time. The Good News at 58 is that he still has time. A lot of time. For entrepreneurs especially, it doesn't take 25 years to rebuild. It can take five. There's a quote often attributed to Bill Gates: “Most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five.” That quote is brutally accurate. In one year, starting a business feels overwhelming. Progress feels slow. Revenue is inconsistent. Doubt creeps in. But five years? Five years of focused effort, smart strategy, capital discipline, and experience compounded? That can change your entire financial trajectory. I've Seen This Movie Before. I have a very good friend who was worth over $40 million in his early 30s during the real estate boom. Then 2008 happened. The real estate debacle didn't just dent him — it wiped him out. For years, he struggled. Pride gone. Lifestyle reset. Just trying to survive. Most people would have mentally retired at that point. They would have blamed the market, blamed the system, blamed bad luck. But about six or seven years ago, he found his rhythm again. New strategy. New focus. New discipline. Today, he's worth over $60 million. I get that's not normal. But it proves something important. It Doesn't Take a Lifetime. The examples I just gave are extreme. Most people don't lose $40 million. Most people aren't rebuilding at 58. But the principle is universal: It doesn't take a lifetime to secure your future. It takes a focused season. A defined period where you are intensely clear about your objective. A stretch where: • You work harder than you're comfortable with • You manage risk better than you used to • You stop assuming income equals security • You align your decisions with a specific financial target for the future There's another quote I love: “The harder you work, the luckier you get.” Luck isn't random. It compounds around preparation, visibility, and persistence. When you are laser-focused on a financial goal, you start seeing opportunities others miss. You make better introductions. You ask sharper questions. You move faster when something makes sense. And over time, it looks like “luck.” The story of the 58-year-old professional isn't a warning about markets. It's a warning about complacency. Success in your profession does not automatically translate into security in your future. Income is not wealth. Financial literacy is not financial strategy. And intelligence does not eliminate risk. But here's the good news. If you're in your 40s or 50s and feel behind — you're not done. If you made a bad investment — you're not finished. If you took a hit — that's not your final chapter. You may just be at the beginning of your five-year season. The key is focus. Direct yourself to a destination you can visualize. That's the only way you will get there. Because in the end, securing your future rarely requires a lifetime of perfection. It requires a concentrated period of intensity. And the sooner you decide to enter that season — the sooner your next five years will start compounding in your favor. There is no one who knows this reality more than this week's guest on Wealth Formula, Rod Khleif . Watch on YouTube: https://www.youtube.com/watch?v=qogQNGbK9wk Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/549-youre-successful-until-youre-not-with-rod-khleif/id718416620?i=1000753860685 Listen on Spotify: https://open.spotify.com/episode/7mTzyRJxjnkeiVFGCXfOni Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  welcome everybody. This is Buck Joffrey with Dwell Formula Podcast. Coming to you from Montecito, California, I wanna remind you that there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna. Become, uh, more, uh, involved with this community, including our accredited investor club, AKA investor club, uh, very easy to join. It’s free. All you do is you get onboarded and you see lots of, uh, potential deal flow that you wouldn’t otherwise see again, that is wealthformula.com. Simply click on investor club and get onboarded. Now, as for today’s show, I had a, uh, a long conversation with a very successful professional, recently 58, highly educated, respected, financially sophisticated, in fact, in the money business. Uh, and if you look at his resume, you would assume he was completely set for life, but he wasn’t. A couple of bad investments, some concentration risk. A few decisions that looked reasonable at the time, and suddenly he’s back pretty much to ground zero trying to figure out what to do, and he’s thinking about starting a new business or maybe buying a business. Well, that got me thinking because the reality is this story is far more common than people realize, and I actually hear it fair amount. Right? Many successful professionals assume they’re gonna be fine. Doctors, lawyers, executives, entrepreneurs, making high incomes. Maybe they understand finance, they know about markets, interest rates and diversification in theory. But here’s the trap. You focus on your career. You focus on income. What they don’t focus on is their own financial future with the same intensity. They focus on the profession, and that’s. The difference, right? The issue is that being financially literate is not the same thing as being financially intentional. Now, I actually hate that word because it’s a very, uh, uh, neo agey word intentional. But in this case, I will use it because that it’s very, it’s very appropriate. But here’s the good news, even at 58, right, you still have time. You have a lot of time for, especially for entrepreneurs, it doesn’t take 25 years to rebuild. It can take five. And there’s this quote, um, it’s often attributed to Bill Gates, who, who’s been in the news lately for a lot of other stuff, but this is a good quote. He says, most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five. And that quote is so true. I will, it’s incredibly powerful and it’s very, very useful to think about and. Put in the back of your mind because in a year, like you’re saying, you’re starting a business, it’s gonna feel overwhelming. You may lose money, you know, slow progress, revenue, inconsistent five years, you know, with focused effort and you know, good strategy and discipline. The financial trajectory of your life could completely change over that five years. In fact, I will say that with my first business that I ever started, that is absolutely what happened. I was just pretty much outta residency, didn’t have any money, and within five years I was rocking and rolling. You know, it was a, it was, you know, it wasn’t worth, you know, hundreds of millions of dollars. But I, I, I was, I was doing way better. If you look over five years, it’s an incredible trajectory. And it’s not just me. I mean, there’s guys who’ve done it more extreme ways. I talk about this friend, a lot of times he was worth like 30 or $40 million in his early thirties, and then 2008 happened. It didn’t just kinda dent him, it wiped him out, and for years he struggled. Lifestyle kind of reset a little bit, just trying to survive. You know, there’s this saying in business that the key to su success in business is to stick around long enough until you get lucky again. Well, sometimes that’s true. And a lot of people might have, uh, kind of mentally retired at that point. But the reality is he stuck with it. He rebuilt about six or seven years. He was kind of sideways, then another six or seven years, new focus, new discipline, and today worth 60 million bucks. Now, that’s not normal, right? But it does provide, uh, it does, it does kind of provide an important point. It doesn’t take a lifetime always. Now most people don’t lose $40 million, and most people aren’t rebuilding necessarily from zero at 58, but the principle really is universal. It doesn’t take a lifetime to secure your future. It takes a focus season to find period where you’re intensely clear about your objective. It’s a stretch where you work harder than you’re comfortable with, and maybe it’s not fun to do that in your fifties or sixties. You manage risk better than you used to. You stop assuming income equals security. You align your decisions with a specific financial target. You know what, there’s a another line I love, another quote, and I don’t know where this one comes. I, I, I think it was some hockey coach of mine way back. It’s that the harder you work, the luckier you get. The thing is that luck isn’t random, right? It compounds. Around preparation and visibility and persistence. And when you’re laser focused on a financial goal, you’re gonna start seeing opportunities that are out there that others might miss. You’re gonna make, you know, better introductions, ask sharp questions. You move faster when something makes sense, and over time it starts to look like luck. I think the real lesson, um, about the situation that people get into, like this person I was talking about is. That it, it’s not a warning about markets per se, although markets have a lot to do with it. It’s a warning about complacency. You know, success in your profession does not automatically translate into security in your future. You know, income as you know, is not really wealth and financial literacy is not financial strategy. Although literacy is really, really important. You gotta have a strategy. And you can be really, really smart and not eliminate, you know, or mitigate risk enough. So if you’re in your forties or fifties and feel behind, you’re not done. Okay? You made a bad investment, you’re not finished. If you took a hit, I’ve taken plenty of heads, especially the last few years. It’s not your final chapter. You may just be looking at the beginning of your next five year season. And the key is focus clear goals, define targets, discipline, action. The sooner you decide to enter that season, the sooner your next five years will start compounding in your favor. Man, I gotta tell you, this is a, an ongoing story I hear a lot about, so again, think about that Bill Gates quote, you, you know, people tend to way overestimate what they can do in a year. Grossly underestimate what they could do in five. Anyway. There’s no one who knows this better than my guest on this week’s Wealth Formula podcast. Rod Cleef. Many of you already know him. We’ll have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account as your money accumulates. You borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investment. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast is Rod Thief. He’s a real estate investor, author, and mentor with decades of experience in multifamily investing. Uh, he’s built and sold hundreds of millions, uh, in, in apartment assets and teaches thousands of investors through coaching masterclasses and his life. Uh, lifetime Cash Flow Academy. Uh, rod, how you doing? Good, brother. Good to see you, my friend. Let’s review, but you know a little bit about you, your background. Sure. You know, uh, sure. We have an interesting story. Okay, well I’m a Dutch immigrant, you know, think wooden shoes and windmills. I immigrated to this country, uh, when I was six years old with my brother Albert, my mother’s cia. Um, and we ended up in Denver, Colorado. Uh, struggled initially. Really struggled actually. And, and I remember, uh, wearing hand me down clothes all the way through junior high school until I finally lied about my age when I was 14 ’cause I was tall and said I was 15 so I could flip burgers at Burger King. You know, and I’m sure you’ve got listeners that had it harder than I did, but I knew I wanted more. And luckily my mom had an incredible work ethic and so she babysat kids so we’d have enough money to eat. And with her babysitting money, she was an entrepreneur and invested in real estate. Um, and her first real estate acquisition was the house right across the street from us. When I was 14, she paid about $30,000. And then when I was 17, she told me she’d made $20,000 in her sleep. It had gone up in value. And I’m like, what? Forget college. I’m getting into real estate. So I. Went and got my real estate broker’s license right when I turned 18, which you could do back then with education. Now they got, they got smart you, they need some, you need some experience. But, uh, I was a broker. I was smart enough to go work for a broker. But, um, you know, my first year in real estate I made about eight grand. My second year, maybe 10 grand, but my third year I made over a hundred thousand dollars, which back in 1980 was some pretty decent money. And so what happened between year two and year three? Uh, the 10 x my income was what? What happens? I met a, a guy, he was a broker. I was working for actually, it taught me about the importance of mindset and psychology and how really 80 to 90% of your success in anything is just that your mindset and psychology. So fast forward to today, I’ve, I’ve owned over 2000 houses that I’ve rented long term. I own thousands of apartments now, and I’m also buying senior housing now, which I’m excited about. And you know, in 2006, my net worth went up $17 million while I slept. And you might say, wow. I said, wow, I got a head so big I could barely fit it through a door. And I thought I was a real estate God. And you know, when that happens, God of the universe will give you a nice little SmackDown. Well, that was 2008. I conservatively lost $50 million in 2008 and nine. What I’m known for talking about on my podcast, which I’m blessed to say at this point’s, the largest, uh, commercial real estate podcast really in the world at this point is, and, and the reason being is I spend time talking about mindset. You know, people don’t remember what you said, but they remember how you make him feel. And I do little clips every week called Own Your Power, their motivational clips. And, and I think that’s the reason it’s been so well received. But, uh, you know, I’m known for talking about the. Mindset it took to have 50 million to lose in the first place. And you know, maybe more importantly, the mindset it took to recover from losing it. But, uh, you know, I’d love to, we can chat about that if you like, or I’d love to talk about the state. Yeah. Whatever you It’s a, it’s, I think it’s appropriate to talk about that right now, rod. I mean, I think Okay. You know, in this, in this market with what we had, you know, um, you know, there’s been a, there’s been a lot of pain in multifamily and Yeah. You know, it’s, you know, you and I have talked about this before where. Part of success is, is trying to recognize particular situations. Um, you know, you talk about Warren Buffet and how Warren Buffet says be greedy, when others are fearful and all that, that’s great, but it’s really hard to do. Right? And so help us understand like, sure. You know, uh, how, how do you, how do you do that? Sure. How did you go and how bad did it get? Well, I lost 50 million. I lost $50 million, so it got pretty freaking bad. Okay. I call ’em seminars. That was an expensive seminar. Yeah. Yeah. And very little, uh, so it was, it was ugly. It was ugly, but. It was, it’s, I, I’ll be, I’ll be candid. The strategies I’ll share very briefly here, the strategies, I’ll share the same strategies you would use to get started. Okay. You know, if, if you know you need to do something, and we talked about this, uh, uh, before we started recording, you know, the. With ai, a lot of jobs are going away. You know, if you heard of Elon Musk on, on Joe Rogan’s last epi episode, or the last interview he did with Joe Rogan, you know, he said any job in front of a computer is pretty much gonna be gone like lightning, like a year or two. I mean that fast. It’s crazy. And so, you know, and even, you know, surgeons are, are, are, are gonna be replaced by robotics and, and on and on and you know, and I think there’s gonna be it professionals, uh, you know, there’s gonna be a lot of. Pain for the people that don’t proactively, you know, reinvent themselves, start thinking about what they’re gonna do to reinvent themselves. Maybe it’s an ai, maybe you’ll learn ai, but, but you better think about it now or if you’re in one of these positions. So when the shoe drops, you’re ready because. Uh, there’s a lot of opportunity. I mean, there’s 10,000 people a day turning 65 in this country. You could buy businesses, um, you know, uh, I’m in, I’m, I’m excited about senior housing. They need beds, you know, and, and there’s a huge shortage of beds, but, so there’s a lot of opportunity, but you better pick something if you’re in one of these fields and get busy starting to study it and learn it, and do it on the side so that when the shoe drops, you’re ready. That’s, I don’t wanna scare you, but I just wanna open your eyes. To that fact. But so how, how I recovered from losing $50 million again, is the same strategy I would tell you to use to get started. And it’s first thing, it starts with goals. You gotta figure out what it is you want. ’cause how do you get anything if you don’t know what it is? Because with the goals you create a burning desire or a hunger and you’ve gotta have that to push through fear and limiting beliefs and so on and so forth. And, um. You know, I, I, that’s, if you come to one of my bootcamps, I do a virtual bootcamp every couple of months. It’s two days. I don’t sell anything there. And I’ll tell you later how you can come for 47 bucks. So it’s no excuse. But, but the first thing we do is goal setting on steroids, uh, because you’ve got, again, you’ve gotta create that hunger. Now, I’ll, I’ll say this to you, if you have no interest in, in, uh, learning what I teach. At my link tree, I did my goal setting workshop. It’s an hour. There’s a guide you can download if you go to rodslinks.com or text the word links if you’re driving, uh, to 7, 2, 3, 4, 5 at the bottom. My, is my goal setting workshop. And you know, here’s the thing, buck, people spend more time planning a freaking birthday party than they do designing their lives. Doing your goals is designing your life. So you know, if, if, uh, if you haven’t done ’em in a while, go to Rods, links, go at the bottom. There’s my workshop, there’s a guide. You can download ’em. Not gonna try to sell you anything. Spend an hour with me. Have your spouse do it. Have your kids do it if they’re over 10 years old, and design their lives. So again, it starts with goals. So that’s the first thing I did was reassociate with my goals. Then the second piece is you gotta make a decision. And I don’t mean dip your toe in the water. I don’t mean one foot in, one foot out. I mean, you decide it’s done. Okay. The Latin root for the word decision means to cut off. If you’re gonna attack the island, you burn your ships ’cause you’re taking their ships home. That’s a decision. And, and that’s what I did. I said, okay, enough, quit feeling sorry for yourself. Pick yourself up and go make something happen. And that’s, that’s what I did back then when I lost everything. But it’s the same thing again. If you’re, if you’re in a job and you’re. You’re just not where you want to be. So we make that decision and then you gotta take the first step, uh, you know, buck. And that’s, that’s pretty much it. You know, Dr. Martin Luther King said, you take that first step in faith, the next step will be revealed. And you know, LA Sue said the journey of a thousand miles begins with a single step. But, you know, in our business and, and, and the investors that we deal with and, and the, you know. Uh, active investors and, and, and passive both, as many of ’em are very analytical and you know who you are. If that’s you and I love you, you’re some of the most successful students that I have and successful people in our businesses. However, I also know how you have to check off every single box before you make a move, and you can’t do that here. Okay? You’ve got to, you’ve got to recognize that you’ve gotta have enough faith. To get started, you know, you can go all the way across the United States at night with your headlight only seeing 50 feet in front of you. And, you know, you can make it, you know, other people have done it before you, you know, there’s a, there’s a, there’s a, a road. And, uh, it’s the same way. You may have some obstacles, but, uh, it’s the same way with this business or really any business. But you, you, you’ve got to take that first step. And, you know, a, a lot of people fear failure, and I’m gonna tell you, don’t fear failure. Fear being in the same place you are right now, a year or two from now, unless you absolutely freak. Love where you are right now. Fear, fear, regret. That’s what I would fear if I were you. I, I, there was this nurse in Australia, a hospice nurse, uh, and her name was Bronny Ware. She asked patients when, who were about to die, if they had any regrets, and she wrote a book about it as a national bestseller. Something like The Five Regrets of Dying. You know what the number on regret was? It was Living the, not Living the Life I could have lived living someone else’s life, not doing what I know. I’m capable of fear that don’t fear failure, you know? Well, the next piece is fear and limiting beliefs. So fear, you know, every successful person have has fear. Now we, we, we, entrepreneurs call it stress, but it’s fear. And, you know, action mitigates fear. You wanna mitigate fear, take action. Go do something. If I’m, if I’m laying in bed at night, it’s three in the clock in the freaking morning and something stresses me out again, stress is fear. That’s what we achievers call stress. Uh, it’s fear. Uh, and, and, um. If something wakes me up and I’m stressed about it, I literally will get outta bed and just go write down some notes. I used to have a pen with an electrical pen that drove my ex-wife crazy and I’d, I’d write notes sometimes fill up pages of notes in bed so that I’m taking some action so I can go back to sleep. So there’s a, there’s a very simple example of it, but anytime that I am fearful about something, I take massive action towards it. Just, just taking steps, doing things. That will mitigate it. And it’s just how it works. So, I mean, it’s, it’s, it’s as simple as that buck. I mean, you just have to do some things. Towards that fear now. Now, the other thing is, if you don’t take action, the fear expands. So that’s the, uh, uh, that’s the antithesis there. So, so you, you need to take action because that’ll, that’ll mitigate it. The, the next piece really is limiting beliefs. You know, when I immigrated this country, I didn’t speak English. I got thrown into school, found out what bullies were for the first time. So I got my butt kicked occasionally, hadn’t learned how to fight back, and then my mom, this is the prop, sent me to school in these wooden shoes. And these are the actual wooden shoes. We found them. When we put her in senior house, senior living in, and these leather shorts, the Germans wear for October Fest, I had to wear that to school. And of course that was crack cocaine for the fricking bully. So I got my ass kicked again. And don’t wooden shoes, rod Or, or those, yeah. Yeah. Wooden shoes. Wooden shoes. Yeah. These are from Holland, man. That’s where I was born. Yeah. My mom. Proud Dutch woman. Yeah. This is, they’re wood. They’re real wood. The farmers still wear these things, uh, ’cause they’re good to go through mud, but they’re crack cocaine for bullies. Okay? And so, yeah, you know, uh, I, I, I got my butt kicked again and, and I came up with this belief system that I wasn’t good enough. I used to ask myself, how can I show them I’m good enough? And a lot of people have these limiting belief systems. I’m not good enough. I’m not courageous enough. I’m not strong enough. I’m not old enough. I’m not young enough. Here’s the thing to remember. There’s a reason the acronym for Belief Systems is BS because 99% of them are bs, but we believe they’re real. I mean, I used to be afraid to raise my hand in front of 10 kids in a classroom, and because of fear of rejection, now I speak in front of thousands of people a year, usually in flip-flops. Okay, so you know, you can mitigate this. So if you’re aware of one of these. Limiting beliefs, BS belief systems, drag it out into the daylight. Look at it with your adult rational mind. You’ll recognize that it’s BS and it will dissipate. But you gotta, you gotta think about it consciously and it’ll, it’ll go away. Um, the, the next piece is focus. Um, you know, focus really is power and whatever we focus on gets bigger, both positive or negative. Okay? So it’s very important that you focus on what you want, not what you don’t want. I’ll get, people call me and say, how do I get outta my student loan debt? I’m like, wrong question. How do you make so much money? The debt’s irrelevant, is the question you need to be asking. They asked Mother Theresa if she was anti-war. She said, no, I’m pro peace. I mean, you get it, right? And, and so, and in fact, I’ll give you another example. So I, I, my podcast is over, I believe, over 30 million downloads, which doesn’t sound like a lot in our social media world, but in, in the podcasting space, it’s not bad. But I listened to two podcasts, Joe Rogan and Tim Ferris. I try to get both sides of the aisle. I’m definitely on, on one side. Uh, but, but, um. They get, and the reason I bring that up is they get about 30 million a week, you know, but that big podcast. But, but, um, on, on Tim Ferriss’ show, he interviews the best of the best in the world. You know, the best athletes like Michael Phelps, NFL players and NFL players, NBA players, actors like Hugh Jackman, ed Norton, Jamie Fox, Arnold billionaires like Ray Dalio, heads of the biggest companies on the planet like Zuckerberg. And he deconstructs their success. It’s very intelligent conversation. I mean, I, I love listening to it. I started to hear a pattern, uh, they almost all meditate. What does meditation enhance? Focus, right? So focus is a really important piece of, of, of success. And just a couple more. One is playing, the next one is playing to your strengths. You know, when, when you, when you go to reinvent yourself or if you’re struggling, you know, or, or gonna start something. Play to your strengths and hire a align or partner for your weaknesses. Like in our world, you know, there’s lots of different hats you can wear. It’s a team sport. You could be the person that finds the deals and analyzes them. If you’re analytical, you could be the mouthpiece like me or you, and you’re, you know, raising money, talking to brokers and, and getting the word out. You could be the. You know, the um, asset manager, if you’ve got some project management experience, construction experience, there’s lots of different hats you can wear, but you wanna play to your strengths. Your strengths are your greatest assets. Don’t try to maximize your fears. You’re gonna get much further. Like I said, if you hire aligner partner for your weaknesses, you know, some of the most successful. Um, partnerships I see in the business are an analytical, introverted person with an extroverted, outgoing person. I mean, that’s a match made in heaven in our business. ’cause our business is primarily empirical. You ask the right questions, uh, and, and you get the numbers right. You know, it’s kind of hard to make a big mistake. Um, and so. You know, just make sure you’re playing to your strengths and when you’re playing to your strengths, you’re gonna have passion and passion’s required to influence people. Right? ’cause you love what you do, so you’re passionate about it. So again, real heavy duty argument to play to your strengths. Yeah, I think the last piece, the last piece is, is peer group. Um, you know, who you hang out with is who you become. You’ve heard it, you’ve heard it before. So if you’re gonna get into something, get around people that are doing it. Like my Warrior Coaching program, I’m, I’m gonna brag. I, I, like I said, they own 300,000 multifamily units that we know of. I’m, I, it’s, we’re counting, uh, we know it’s close to 300,000. We’re at like 275,000 or something. I know there’s a lot we’re missing. And, you know, tons of senior housing, tons of self storage, tons of industrial flex space, um, retail mixed use, you name it. Uh, mobile home parks, and. Almost all of those deals were done between warriors, between my students. So you know, ha, who you hang out with is who you become. You know, if you show me your three best friends, I’ll show you who you are in your relationships, your happiness, your health, and definitely your finances. But see, so many people default to a peer group they went to school with or they work with, and those people with their own fears or limiting beliefs might hold you back, you know, afraid of losing you, afraid of feeling less than if you succeed. And sometimes it’s family. I’m gonna tell you, love your family, but proactively choose your peers. Right? You know, and when I was losing everything in 2008 and oh nine, I was in Tony Robbins Platinum Partnership and there were people there that were killing it in that crash, uh, you know, thriving. And they’re like, get up, you puss. 50 million Schmill. Go make something happen. That’s who you wanna be around, not only while you’re building, but certainly when the proverbial stuff hits the fan, right? Uh, so anyway. I, that those are, those are some of the big pieces. Yeah. Well, that, I mean, that’s, let, let’s talk a little bit about the, the business that you’re in. Um, you know, you’re, you’re heavily involved with real estate. Obviously these, uh, mindset things are a great place to start. Now you go out there, let’s talk about where the market actually is and what you’re seeing in this market right now. Does your represent opportunity to you? There’s a ton of opportunity because there’s a ton of people in trouble, sadly. Right. Okay. A lot, a lot of people got adjustable bridge debt. You know, these rates have gone through the moon. I’ll give you a small example. We were looking at a small asset in San Antonio where I’ve got some assets and I. And there, the lender reserve payment that this guy had to pay to prepare for a refinance went from 8,000 a month to 80,000 a month. Do you think that’s painful? Right. And you know, and, and when you’ve got a multi tens of millions of dollar loan on a property and the interest rates adjust several points, you’re done. And, and so that’s just on the interest rate piece. Uh, mentioning my SEC attorney had six foreclosures in one day, apartment complexes, uh, clients, new clients that came to him, he told me like three weeks ago. So who knows how many since then. But you know, there’s a lot of deals and trouble and it’s sad. It’s very sad. But, uh, that’s just one piece is the loans. Uh, the expenses have gone through the thick and roof. I mean, I’ve got maintenance supervisor that’s making $40 an hour at this point, which is crazy. Uh, you know, I, I teach at my bootcamps. Uh, I used to teach a 50% expense ratio. That’s what you want to have. Now I teach 60% ’cause they’ve gone up that much. And so, you know, there’s a lot of pain in the market. But with crisis comes opportunity. There’s incredible deals. I’ve got a a, a 200 unit asset in San Antonio. Um. That is on a lake, and right next door is a 300 unit, 300 plus unit asset. Um, it’s sold the 300 units sold for 43 million in 21 or 22. It’s, it’s with the bank, it’s down to 28 million now. And I’m not even interested unless it gets to 24, unless the rates drop significantly. And so 43 to 24. So that’s what’s out there right now. And di I think you just bought a, a deal at like a 40% discount, didn’t you? Yeah. Yeah. Yeah. And here’s the thing, which is what I wanted to get into as well, and I I just bring, bring people’s attention to it, is that these times in history don’t happen that frequently. Right? Right. And it, and it’s interesting what the, the last multiple, uh, opportunities we’ve, we’ve, we’ve capitalized on, they have been all these situations where it’s a debt problem, right? It’s, it’s an asset that’s performing fine. But someone’s got a month, uh, to go and they just need to get out. They’re gonna lose all their equity, their debts due. Um, yeah, their debts do, there’s like this, this wall of debt, like, I think it’s like a trillion dollars of debt due by the end of this year. So what we’re seeing is, you know, the last several opportunities, 30 to 40% discounts on basis, uh, compared to just two or three years ago. And I think the challenges for investors is that like. In the background, those of us who’ve been through the pain are still feeling the pain and you feel very gun shy about it, right? Yeah. Yeah. Um, and you also start thinking, well, 30 to 40% discounts. Uh, you know, this, this is, this sounds very scary, but in, in reality, I, I’m trying to get people to understand that, that those discounts only last for so long, right? I mean, that if you look at like the, the debt. That’s out there. Most of that really bad debt washes away at the end of this year. At 2026. Yeah. After that, like those 30 to 40% discounts that like people are hearing so often, they’re not gonna be there anymore. No, that’s, and what I, and what I hate to see is people wait two or three years from now and all of a sudden there’s a frothy market and everybody’s jumping on the bwa. ’cause that’s what they always do. That’s not, you wanna be a net seller in that market. That’s right. And, and you know, it’s like you mentioned Warren Buffet’s famous quote, be greedy when others are fearful and fearful when they’re greedy. And, and so right now they’re fearful, which is making harder to raise money. And I’m, I’m having the same conversations. It’s like, Hey, if there was ever a time, it’s right now and now. Now the key, now the key. Differentiator or key factor is it’s all about cash flow. You know, like I said, that that deal at 43 is down to 28. 28 still doesn’t make sense for me. So it’s all about cash flow. And so, you know, I wrote a bestselling book. I’ll brag about, hang on, I’ll show it here. It’s called How to Create Lifetime Cash Flow through Multifamily Properties. The reason I bring this up is the subtitle is The New Rules of Real Estate Investing IE The new rules is it’s all about cash flow. I don’t, you know, I can brag about what you, you know, the discounts you can buy a property for, but it, it’s all about the numbers. It’s got a pencil, it, so cash flow is king. Um, so would you agree with that? Oh, a hundred percent. No. The interesting thing is though, that like, that’s a, that’s actually in real estate. That’s a principle I think a lot of people had, and I think what ends up happening is when the market gets frothy, you kind of skip that step, right? Because then what you’re, then what happens is that the market becomes so competitive that you’re trying to project, okay, I can get this from here to here and I can make it cash flow pretty quickly. And that’s when it gets dangerous, right? Yeah, yeah. Because listen, when Mark, when, when, when rates were, were as low as they were, you could do that. Now what? As soon as they started accelerating, well then you just got behind and, and you, you couldn’t catch up. And that’s kind of what happened. No, that’s it. And the expenses. Yeah. Yeah. They, the business about this market though, and maybe you can get some perspective on this, is what happens. You’ve experienced multiple real estate cycles and one of the opportunities that real estate investors have had throughout the decades is investing in a market where interest rates start to fall. What happens? Well, what happens is, is, is, is, is values As values go up, you know, and here’s the other thing, you know, uh, uh, with inflation, inflation’s not going away. And when you buy a property, the debt’s locked unless you do the adjustable rate thing. But if, if you get a normal, a normal mortgage. The, the rent, the debt is locked, but your, your interest, your rents are gonna continue to climb here. They’re going up, they’re gonna keep going up. And, you know, and, and of course the value of, of what we do is based on a multiple of the net income, the NOI, the net operating income. So any increase of the rents is gonna go to the bottom line. And, and so your values are gonna go up. So again, incredible opportunity to get into this real estate now. With the debasement of the US currency, with with, with all the money they’re printing and everything else, you’re, you’re seeing incredible rises in, in hard assets like gold, silver, of course, we saw a crash in Bitcoin ’cause it’s ethereal, it’s air, but, but real estate, uh, is, is you look at it over, over, you know, 50 years and, and it only goes one direction. It has some dips, but it continues to go one direction. And, and so, you know, I, I love real estate. I always have and. And, and always will. And so, you know, that’s why I teach it, you know, I do, I teach multi and I now teach multiple asset classes. I just taught multifamily for a long time, but now I teach pretty much every asset class and I’m, yeah. So what’s, uh, housing too? Yeah. Tell us a little bit about senior housing and um, yeah, what you’re doing there. I, I, I’ve only purchased one assisted living facility so far, but my students, my God, I can’t even count how many assisted living facilities and memory care units they have. But I, I’m, I’m gearing up. I have a whole team doing it. Uh, we’re cold calling and, and, and the, the, the out, the goal is. Is, uh, uh, 12 units in the next 18, I’m sorry, 12 separate facilities in the next 18 months. And we’re growing up to do that. Uh, we’ve got a ton of interest. And here’s the, here’s the reason why they call it the silver tsunami. There’s, there’s six, 10,000 people a day turning 65, and it goes forever. And it seems like forever. I mean like literally a over a decade and. And again, um, you know, those people. Uh, so there’s a lot of opportunity with that. There’s an opportunity to buy businesses as well. A lot of ’em wanna retire and own businesses, so there’s an opportunity there. But, but, um, in senior housing, there’s, there’s a huge shortage of beds. And, and I’m quite candidly, I’m not sure we’re gonna be able to match the need in the shortage of beds, but there’s a huge shortage of beds and, and so, um, you know, and to build new. The about the least you can build a place for is $200,000 a bed. Well, there are facilities that got crushed by COVID where you can buy. Facilities for sub a hundred dollars a bed. So there’s, there’s a, there’s an opportunity there that we’re capitalizing on. It’s very exciting. Uh, that won’t be around there a lot of, is there a lot of competition from, you know, big money institutions, that kind of thing in this space that are sort of pushing prices up? Because I would think if they would have to, yeah. Yeah. I would think they would have the same sort of thesis overall. So the larger facilities, yes. The, you know, I, I’m not doing the, the 200 bed facilities, you know, I’m in the 50 to a hundred range, you know, uh, kind of the mom and pop range as it were. Uh, and. So, at least to start, I mean, at some point I’ll compete with the larger ones, but we’re starting there and, and there’s just an incredible opportunity to, to get to, and the returns are fantastic. I mean, we’re seeing 15% cash on cash, 25% IRR, realistically not BS returns. And so, you know, it’s very exciting, honestly. And, and, and, and, and again, it’s got legs. It’s not going anywhere. It’s not like one of these things that’s cyclical. There’s, there’s the, these people are retiring. They’ve impacted everything from Pampers diapers to suburbia, and they’re gonna impact, you know, senior housing in a big way. So, um, you know, it’s, it’s that, that’s exciting. Yeah. I got crushed by that wave in 2008. I got crushed by that wave. I’m surfing this wave. Yeah, yeah. Yeah. Good for you. So tell us, you know, a little bit more about how people can get involved. It sounds like you got a lot going on there. So tell us about Well, I, I, I teach, you know, I teach this stuff. I have, I’ve had, I dunno, upwards of 20,000 people attend my bootcamps by the way. Really never had a complaint except that the breaks are too short. ’cause I, I packed three days into two days, but I teach this business and soup to nuts, how to find deals, how to pick a market, how to pick a team, how to underwrite them, how to finance them, how to raise all the money for them, on and on. And so if you go to Rods. links.com. That’s my link tree. That’s where my goal setting workshop is. If you want to do your goals, do it there. But, uh, if you come to my bootcamp, that’s the first thing we do. Uh, ’cause I, I need to have you get very focused on what you want. But, um, you know, it’s two days of training. I don’t sell anything and you can come for $47. So tell me your excuse. Okay? And the bonus, the bonuses are thousands of dollars. You get my deal evaluator software, my document library. You get all this stuff. And you know, and candidly, if you come to the bootcamp and. On Monday, you decide it wasn’t worth it, you didn’t love it. I don’t mean like it, I mean, love it. I’ll give you your 47 bucks back. It’s never happened, but it’s first time for everything. So, yeah, no, I, I, I love what I do. It comes out and what I do, and I, I spend time on mindset too, because again, that’s 80 to 90% of it. That’s why my students are so freaking successful. They actually do it. Um, and so. I, I, I really love it, and that’s where I’ll continue to do it. So I’m, I’m doing one of these virtual events pretty much every month and a half. I’ve got one coming up, I don’t know when this’ll air. I’ve got one coming up in March, March 7th and eighth, and there’ll be one, you know, 60, 45, 60 days after that. So, yeah. Fantastic. Rod, thanks so much for being on the show today. Oh, I appreciate it. I appreciate it. Uh, thank you. And, and again, it’s Rod’s links or text links to 7 2 3 4 5. Matt, thanks. Thanks for having me on. Buck, it’s great to see you again. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s. Called Wealth Accelerator and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. We talked about a lot of things, but I think the mindset step is really important. So if you’re one of those people. Who is worried about, you know, a time in your life right now, or that that things aren’t going well? Things can turn around really quickly. You just gotta have some, you know, you gotta have the right mindset. You gotta have the right goals. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey sign now. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Send a textIn this compelling episode of Living the Dream with Curveball, we sit down with Mark Jeffreys, a remarkable leader whose journey from ballet protege to elected official is nothing short of inspiring. Handpicked by the legendary George Balanchine, Mark's early life in the arts was tragically altered when he lost his mother and brother at a young age. Rather than let these hardships define him, Mark used them as a catalyst for resilience and community engagement. Now serving as a councilman in Cincinnati, he shares his insights on leadership, the importance of shared support, and the transformative power of personal stories. Mark discusses his transition from the arts to corporate leadership at Procter & Gamble, where he learned valuable lessons on authenticity and the significance of personal power. He also delves into his work with the nonprofit Go Vibrant, aimed at promoting active lifestyles, and his innovative tech startup that leverages AI for healthier decision-making. Join us for an enlightening conversation that underscores the necessity of community, the impact of civic responsibility, and the pursuit of purpose in all aspects of life. Discover how Mark's initiatives are reshaping Cincinnati and inspiring others to create change.Want to be a guest on Living the Dream with Curveball? Send Curtis Jackson a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628631536976x919760049303001600mosaic: Exploring Jewish Issuesmosaic is Jewish Federation of Palm Beach County's news magazine show, exploring Jewish...Listen on: Apple Podcasts SpotifySupport the show

Episode #218 of the Last Call Trivia Podcast kicks off with a round of general knowledge questions. Then, it's time to say hello to today's theme round of “I'm Just a Bill” Trivia!Round OneThe game begins with a Science Trivia question about an Austrian physicist who made an important discovery.Next, we have a Logos Trivia question that asks the Team to identify a symbol found in the Pampers logo.The first round concludes with a Geography Trivia question about a state on the eastern US seaboard that holds a unique distinction.Bonus QuestionToday's Bonus Question is a follow-up to the Geography Trivia question from the first round.Round TwoWe're sending you the bill… more specifically, a themed round of “I'm Just a Bill” Trivia!The second round starts with a People Trivia question that asks the Team to identify the name by which outlaw cowboy William Brocius was better known.Next, we have a Government Trivia question about the preamble to the Bill of Rights.Round Two concludes with an Animals Trivia question about the native country of the duck-billed platypus, the tiger quoll, and the thorny dragon.Final QuestionWe've reached the Final Question of the game, and today's category of choice is Slogans. Let the wanderlust begin!For today's Final, the Trivia Team is asked to fill in the state names for five different US state tourism slogans.Visit lastcalltrivia.com to learn more about hosting your own ultimate Trivia event!

La Banque du Canada a maintenu son taux directeur à 2,25%, offrant une certaine stabilité aux détenteurs d'hypothèques, malgré l'instabilité économique chez nos voisins américains. Parallèlement, la chroniqueuse Marie-Ève Fournier analyse une poursuite sans précédent de 400 millions $ intentée par 36 entreprises contre le gouvernement fédéral pour sa gestion jugée incohérente du programme des travailleurs étrangers temporaires. En Europe, le virage vert se confirme: en 2025, seuls 27% des véhicules neufs vendus roulent exclusivement à l'essence. Enfin, une stratégie marketing insolite en Chine permet à Pampers d'augmenter ses profits grâce à des couches en soie.Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

Send us a textWhat if the smallest patients finally had a diaper designed just for them? For years, NICUs have struggled to find appropriately sized diapers for extremely premature infants, often resorting to makeshift solutions that compromised skin integrity and care quality. That changes now. In this breaking news episode, Ben sits down with Harry McCusker, Director of Research and Development for North America Pampers Diapers, to discuss the groundbreaking launch of the Pxxs diaper—the world's smallest commercially available diaper, specifically engineered for micropreemies born as early as 21-23 weeks gestation. Weighing less than a nickel and designed with input from NICU professionals worldwide, the Pxxs addresses critical challenges in skin protection, fluid management, and developmental care for our most vulnerable patients. Join us as we explore how this innovation represents more than just a smaller diaper—it's Pampers' commitment that every preemie deserves products designed with their unique needs in mind.Support the showAs always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below. Enjoy!

Great disruptions don’t arrive with a bang - they begin quietly, on the margins. From the iPhone to Pampers, history shows that world-changing innovations rarely look revolutionary at first. In this episode, we explore Epic Disruptions with its author Scott D. Anthony, Clinical Professor of Strategy at the Tuck School of Business at Dartmouth. The conversation spans AI, creativity, governance, capital markets, and the unintended social consequences of disruption. How can investors and leaders best scan for or enable disruption? Find out with Michelle Martin.See omnystudio.com/listener for privacy information.

What does dog poop have to do with brand growth? More than you think. On this episode of Marketing People Love, Jacques Spitzer sits down with Kyle Fredriksen of American Pet Nutrition, Supreme Source, to unpack how a small, family-owned pet brand took on billion-dollar competitors and won. Kyle shares the journey from corporate giants like P&G and General Mills to running a challenger brand with autonomy, creativity, and courage. From uncovering the "job to be done" for pet parents to taking a bold swing with unforgettable, slightly uncomfortable advertising, Kyle breaks down the strategy that drove four years of consistent growth, even while the category around them was flat or declining. You'll hear how insights about pet digestion, yes, poop, became the centerpiece of a growth strategy, why taking big creative risks is the secret weapon of challenger brands, and how a culture of trust and leadership allows small teams to move fast and make bold decisions. Kyle also draws lessons from baby brands like Pampers that translate perfectly to the pet aisle and explains why doubling down on what works beats chasing every new trend. This episode is packed with actionable marketing lessons for anyone looking to break through, connect emotionally with their audience, and make advertising people actually love.

Consumer products giant Proctor & Gamble just came out with an unusual warning about its core business, consumer products meaning consumers. The maker of Tide detergent, Mr. Clean, Pampers, Gilette and whole bunch of other brands you use every single day just said that sales were down “significantly” in October and that it likely continued right on through November. This tracks with where Christmas holiday shopping has been so far with Black Friday and Cyber Monday.Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider---------------------------------------------------------------------------------------------------------------------Bloomberg P&G Warns US Sales Down ‘Significantly' Entering Current Quarterhttps://www.bloomberg.com/news/articles/2025-12-02/p-g-warns-us-sales-down-significantly-entering-current-quarterBloomberg Cyber Monday Spending Pace Lags Black Friday for Second Yearhttps://www.bloomberg.com/news/articles/2025-12-02/cyber-monday-online-spending-in-us-increases-7-1CNN You're paying more for less this shopping season. Now there's proofhttps://www.cnn.com/2025/12/01/business/black-friday-shoppers-holiday-seasonhttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Mom Curious is a weekly podcast produced by Hoff Studios in New York City, hosted by storyteller, actress, and cultural voice Daniella Rabbani. Each episode dives into candid, thought-provoking conversations about motherhood, womanhood, and the messy, magical spaces in between. With humor, honesty, and curiosity, Daniella sits down with women of all stripes to talk about what it really means to raise children—and ourselves—in today's world.About the HostDaniella Rabbani (@DaniellaRabbani on Instagram) is a Brooklyn-based storyteller, actress, singer, and podcast host. On screen, she's appeared in HBO's Scenes from a Marriage, Amazon's The Better Sister, FX's The Americans, and films like Ocean's 8. On stage, she's headlined concerts worldwide, from Jazz at Lincoln Center to the State Jewish Theater in Warsaw. She is also the voice behind national campaigns for Colgate, Starbucks, and Noom.Through her podcast Mom Curious, Daniella blends her creative spirit and lived experience as a mother of two to spark conversations that are raw, hilarious, and deeply relatable. Her mission: to create a community where mothers (and those curious about motherhood) feel seen, supported, and inspired.This week's guest:Tina Cartwright (@rebrandingmotherhood) isn't just rebranding motherhood — she's rewriting the rules of how brands show up for moms. As the founder of Rebranding Motherhood, Tina leads the go-to agency for companies looking to build authentic, unfiltered, and powerfully resonant connections with modern mothers.A powerhouse marketer and former Fortune 50 sales leader, Tina spent over 16 years at Procter & Gamble shaping billion-dollar brands like Pampers©, Olay©, and Gillette©. Today, she brings that same global rigor to the maternal space — blending corporate strategy with culture-shifting storytelling.In just six months, she scaled Rebranding Motherhood from a passion project to a 70,000-strong global movement. Now, she advises startups, legacy brands, and healthcare leaders on how to show up for the motherhood economy with relevance, respect, and realness.Through bold campaigns, culturally fluent messaging, and a community-first mindset, Tina is building a new standard for what maternal marketing should be: inclusive, informed, and radically honest. She's not just amplifying voices — she's changing the conversation entirely.Tina says, “Brands don't need to talk at moms — they need to build with them. That's what we do.”Stay Connected with Daniella @daniellarabbani on Instagram and Tina @rebrandingmotherhood and let us know what you thought of the episode! Learn more about your ad choices. Visit megaphone.fm/adchoices

Warszawa przyciąga najlepszych specjalistów IT z całego świata. Czy kobiety również mają tu swoją przestrzeń do rozwoju? Jak wygląda kariera w globalnym centrum technologicznym? W Warszawie mieści się wiodące centrum technologiczne Procter & Gamble na świecie, które zatrudnia ponad 1000 specjalistów IT, podczas gdy 18 lat temu pracowało tu zaledwie 100 osób. To tu tworzone są globalne rozwiązania wdrażane w dziesiątkach krajów – od aplikacji wspierających marketing i sprzedaż, po systemy niezbędne do zarządzania ponad 100 fabrykami P&G w Europie. Znajduję się tu wszystkie możliwe stanowiska w IT – od product ownerów, przez AI inżynierów, po ekspertów od cyberbezpieczeństwa i chmury obliczeniowej. Czym tak naprawdę zajmują się specjaliści IT w globalnym hubie technologicznym Procter & Gamble? Jakie innowacje, które zachwycają świat powstają w Warszawie? Co wspólnego ma IT z półką w sklepie i sztuczna inteligencja z pieluchami dziecięcymi Pampers? Z jakimi stereotypami nadal mierzą się kobiety w branży IT i jak sobie z nimi radzą? Odpowiedź znajdziesz w nowym odcinku podcastu Sukces Pisany Szminką, w którym Olga Kozierowska rozmawia z Emilią Burzyńską, Europe Chief Data Officer w P&G – kobietą, która współtworzy przyszłość globalnych innowacji technologicznych.

Gonzalo E. Mon Coterie Baby advertises that its diapers provide ​“up to 4x more absorbency” and ​“up to 3x drier skin” compared to ​“leading brands.” P&G, the maker of Pampers – one of the two leading brands of diapers – challenged this claim (among others) before NAD. One of the key questions in the case is what evidence is necessary to support an ​“up to” superiority claim involving multiple competitors.

In this powerful episode, Ruslan sits down with actor Nick Alvarez—best known for his role in The Chosen—to unpack his incredible journey through Hollywood, faith, and family legacy. From being cast in a Pampers commercial as a toddler to almost walking away from acting for soccer, Nick opens up about the real grind of being a working actor, including countless auditions, rejection, and the emotional toll of trying to "make it."He shares how growing up in a faith-influenced household with a pastor grandfather laid the foundation for his eventual spiritual awakening. But it wasn't until the industry pressures and the isolation of COVID hit that he found a deep, personal faith in Jesus.The conversation also dives into the tension between craft and clout in today's acting world—how influencers are landing roles without traditional training, and what it means to stay rooted in purpose when the industry often rewards popularity over skill.This is a raw and inspiring conversation about calling, perseverance, and how God's timing always wins out in the end.

Stephanie DiPisa is an American entrepreneur who has previously worked with brands like Pampers, Hyatt, Gillette and HP in the agency marketing world prior to taking a career pause to raise her three children. Currently, DiPisa is the founder + CEO of her first entrepreneurial venture with Solara Suncare, a multi-award winning skin protection brand formulated for the love of sensitive skin, our health and the planet. DiPisa created Solara from a genuine need: to solve her children's dermatological reactions to popular sunscreen products as well as find wellness-based personal products to support her own healing journey with Lyme disease.Her brand, a favorite with celebrities, estheticians, dermatologists and beauty experts, features two product Collections that can be found on retail shelves ranging from Blue Mercury, Neiman Marcus and top luxury spas and boutiques, to Whole Foods and Target.

Learn how to scale authentic empathy and create meaningful impact in business while building sustainable wealth Look, we live in a crazy world right now. The news is screaming that the sky is falling, social media's got everyone at each other's throats, and AI is encouraging shortcuts over real connection. But here's what I know - with every challenge comes an equal and opposite opportunity. In this episode, I sit down with Chris Yoko to dive deep into what really separates successful entrepreneurs from everyone else: genuine care. Not the kind you SAY you have, but the kind people actually FEEL. We explore how to build empathy at scale, why authenticity isn't just nice-to-have but mission-critical, and how you get paid in direct proportion to the impact you provide others. Chris Yoko is the CEO of Yoko Consulting and founder of Carbon Off - and let me tell you, this guy gets it. He's worked with powerhouse brands like Ritz Carlton, Living Social, and Pampers, helping impact over 100 million lives. Chris is part of MMT, our mastermind group of 7, 8, and 9-figure entrepreneurs, and his superpower is helping organizations create authentic impact through technology. What I love about Chris is he doesn't just talk about caring - he shows organizations how to systematically demonstrate it at scale. KEY TAKEAWAYS: Your competitive advantage isn't your marketing tactics or sales systems - it's whether people genuinely believe you care about their success more than your own profit. Empathy at scale means building systems that help you see, hear, and understand what's truly important to each person you serve. Real empathy requires accuracy in reading people's emotions AND the wisdom to know when to pull them up rather than sink down with them. The Ritz Carlton doesn't just deliver great service - they anticipate what would make you feel special before you even know you need it. Servant leadership means your people get the credit when you win, and you take the blame when things go wrong - that's how you build loyalty that runs soul-deep. You want to build lasting wealth? Expand your vision beyond yourself to your family, community, country, and world - the bigger your impact, the bigger your income. The wealthiest people aren't thinking small like "the world" - they're already exploring space because their vision for impact knows no bounds. In times of chaos and uncertainty, the companies that survive and thrive are those with superfans who feel genuinely cared for and connected to a meaningful mission. Growing your business is hard, but it doesn't have to be. In this podcast, we will be discussing top level strategies for both growing and expanding your business beyond seven figures. The show will feature a mix of pure content and expert interviews to present key concepts and fundamental topics in a variety of different formats. We believe that this format will enable our listeners to learn the most from the show, implement more in their businesses, and get real value out of the podcast. Enjoy the show. Please remember to rate, review and subscribe to the podcast so you don't miss any future episodes. Your support and reviews are important and help us to grow and improve the show. Follow Charles Gaudet and Predictable Profits on Social Media: Facebook: facebook.com/PredictableProfits Instagram: instagram.com/predictableprofits Twitter: twitter.com/charlesgaudet LinkedIn: linkedin.com/in/charlesgaudet Visit Charles Gaudet's Wesbites: www.PredictableProfits.com

“If you explain these things to the brothers and sisters, Timothy, you will be a worthy servant of Christ Jesus, one who is nourished by the message of faith and the good teaching you have followed.” (1 Timothy 4:6 NLT) Somewhere along the line, we have separated evangelism from discipleship. But there is no such distinction in Scripture. The idea of the Great Commission is not just to pray with someone to receive Christ and then say, “See you later. God bless you.” That would be like a mother who gives birth to her baby and then says, “God bless you, my child. It’s a rough world out there, but here’s a box of Pampers. Now get going.” A little baby needs to be nurtured and coddled and cared for and loved and taught. A new believer requires the same. As believers, our objective, our vision, and our mission is to make fellow disciples. That means working to help new Christians get on their feet spiritually, acclimate to the church, and learn what it means to be a Christian. Only then are we truly fulfilling the Great Commission. Look at the apostle Paul’s words to Timothy, a young spiritual leader: “If you explain these things to the brothers and sisters, Timothy, you will be a worthy servant of Christ Jesus, one who is nourished by the message of faith and the good teaching you have followed” (1 Timothy 4:6 NLT). Timothy had been nurtured, physically and spiritually, by a godly mother and a godly grandmother. They had instilled in him a strong faith. And that’s what Paul wanted Timothy to do for others: nurture and instill a strong faith. That’s what all believers are called to do. You’ll notice in Paul’s words that this nurturing and instilling begins with three simple words: “Explain these things.” The truths of Scripture aren’t always intuitive or self-evident because they call for us to resist our natural inclinations—the impulses of the person we used to be—and do things that seem completely out of character. Love your enemies? Forgive those who do you harm? Put other people’s needs before your own? Take up your cross? If you don’t have questions and concerns about the Christian life as a new believer, you’re not paying attention. Believers who aren’t new to the faith can fulfill the Great Commission by addressing their questions and concerns. The apostle Peter said, “If someone asks about your hope as a believer, always be ready to explain it” (1 Peter 3:15 NLT). We can make ourselves ready by studying God’s Word purposefully and faithfully, asking and answering our own tough questions, by spending quality time in prayer—talking and listening to our heavenly Father, deepening our relationship with Him—and by spending time in fellowship with other believers, sharing experiences, encouraging one another, and holding one another accountable. Proverbs 27:17 says, “As iron sharpens iron, so a friend sharpens a friend” (NLT). The more time we spend honing our own spiritual edges, the better prepared we’ll be to sharpen new believers into disciples. Reflection question: How can you equip yourself to mentor new believers? Discuss Today's Devo in Harvest Discipleship! — Listen to the Greg Laurie Podcast Become a Harvest PartnerSupport the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.

Tariff uncertainty hits another U.S.-based company's workforce.

Eindelijk weer een voorzichtig goednieuwsbericht uit de handelsoorlog tussen de VS en China: er wordt weer gepraat op het hoogste niveau. De Chinese president Xi Jinping en de Amerikaanse president Donald Trump hebben gebeld, anderhalf uur maar liefst en voor het eerst sinds het begin van de handelsoorlog. Heel concreet werd het allemaal niet, maar er wordt wél doorgepraat. Wie de volgende stap moet zetten, en vooral: hoe die stap er dan uit moet gaan zien, bespreken we deze aflevering. En zelfs als er een deal komt tussen beide landen, is het de vraag of Trump de uittocht van beleggers nog kan stoppen. De VS was een eeuw lang de beste plek op aarde om te investeren, maar nu trekken zelfs grote, institutionele beleggers zich terug, meldt de Financial Times. Dat doen ze vanwege de toenemende schuldenberg en de handelsoorlog van Trump. Je hoort er alles over. Wie juist náár de VS wil, is betaalbedrijf Wise. Het bedrijf heeft nu een beursnotering in Londen, maar wil met de hoofdnotering verhuizen naar New York. De Londense beurs kampt met meer weglopers: de beurs is vooral bij techbedrijven weinig populair. We kijken natuurlijk ook naar de ECB: president Christine Lagarde kondigde opnieuw een renteverlaging aan. De zoveelste, maar Lagarde hintte erop dat het binnenkort misschien is afgelopen met al die renteverlagingen. En programmeurs van Alphabet hoeven niet te vrezen voor hun baan, hoorden we van ceo Sundar Pichai. We horen steeds vaker over techbedrijven dat personeel ontslaat vanwege AI, ofwel om geld vrij te maken voor deze gigantische investeringen, of omdat AI een deel van de taken overneemt. Pichai ziet AI niet als bedreiging voor banen, maar als middel om het werk te verlichten. See omnystudio.com/listener for privacy information.

Luister hier naar de Borrelpraat Extra aflevering van deze week."Try me for free” cash back promotie bij Bol.com om Pampers luierbroekjes maat 4 gratis uit te proberen. *Geldig tot 31/12/2025. Promotie beperkt tot één restitutie per persoon. Actie geldig op Pamper Luierbroekjes maat 4, tot 40 stuks. Zie voorwaarden op pampers.nlZie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Episode: 2464 Marion Donovan: The Woman who Engineered a Better Diaper.  Today, engineering the diaper.

Word nu lid van Borrelpraat Extra voor slechts €3,99 per maand voor bijna 100 Extra afleveringen!"Try me for free” cash back promotie bij Bol.com om Pampers luierbroekjes maat 4 gratis uit te proberen. *Geldig tot 31/12/2025. Promotie beperkt tot één restitutie per persoon. Actie geldig op Pamper Luierbroekjes maat 4, tot 40 stuks. Zie voorwaarden op pampers.nlZie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Välkommen till ett helt nytt avsnitt av Vattnet Går - den här veckan har vi besök av ingen mindre än Sara Dellner, även känd som Instamorskan, och vi ska snacka om SÖMN. Detta viktiga ämne som påverkar oss mer än vi ofta tror. Med intåget av en söt liten bebis blir sömnen påverkar - det är utan tvekan. Men hur kan vi göra så att den störda sömnen inte ska rubba oss totalt?Det tipsar Sara Dellner om och avsnittet gör vi i samarbete med Pampers och deras Premium Protection byxblöja - en blöja som snabbt absorberar vätska och bidrar till att barnets hud hålls torr hela natten, vilket hjälper till att skapa en stabil dygnsrytm och främjar goda sömnvanor - och det är precis vad Pampers Premium Protection Pants gör!Programledare är Nina Campioni.Support till showen http://supporter.acast.com/vattnetgar. Hosted on Acast. See acast.com/privacy for more information.

Η συζήτηση αφορά την προωρότητα των νεογνών, ένα θέμα που αγγίζει πολλές οικογένειες αλλά συχνά παραμένει στο περιθώριο. Μέσα από προσωπικές ιστορίες, επαγγελματικές προσεγγίσεις και μαρτυρίες ειδικών και γονιών, ρίχνουμε φως στις προκλήσεις αλλά και τις μικρές νίκες που συνοδεύουν τη γέννηση και τη φροντίδα ενός πρόωρου βρέφους. Στόχος είναι να ενημερώσουμε, να ευαισθητοποιήσουμε και να στηρίξουμε όσους το έχουν ανάγκη.Φέτος, η Pampers® εγκαινιάζει μια νέα συνεργασία με τον μη κερδοσκοπικό οργανισμό «Κοιτίδα», ενισχύοντας την υποστήριξή τους στα πρόωρα μωρά και τις οικογένειές τους. Από τον Οκτώβριο έως τον Ιούνιο, η Κοιτίδα διοργανώνει εβδομαδιαία δίωρα εργαστήρια, όπου επαγγελματίες υγείας και γονείς εκπαιδεύονται σε πρακτικές που συμβάλλουν στην υγιή ανάπτυξη των πρόωρων βρεφών. Αυτό προκύπτει από τη δέσμευση της Pampers® να συνεχίσει να υποστηρίζει τα πρόωρα μωρά και τις οικογένειές τους σε κάθε γωνιά της Ελλάδας, φέρνοντας την αφοσίωσή τους στη φροντίδα και την αγάπη. Από το 2018, η δέσμευσή τους έγινε πραγματικότητα. Έχουν προσφέρει περισσότερες από 1.000.000 πάνες ειδικά δημιουργημένες για πρόωρα μωρά σε μαιευτήρια της χώρας.

Join your elite, elevated envoy from the APDC as they cover the S1, E22, “The Low Road,” from the 1997 classic animated series, Transformers: Beast Wars! Mystical Delights!! Don't have any Italian Disco?! Milk and bananas!!! Will you BLOW me where the PAMPERS is?! Ryan's got the munchies, man!! TF Con Chicago ‘25!!! Bob Forward! Wild bean vines!! Cyber-slash tail weapon!! Cakes everywhere!! Total Looney Tunes episode!!! Rhinox has energon discharge virus!! Vile corruption, festering putrescence!!! Counter-virus beer helmet!! Script Deviations! Iconic Moment!! Rate the scheme!!! It's all a fart joke!!!1:30 - COCKTAIL24:00 - SHOUT OUTS27:00 - REVIEW1:04:20 - IN THE REAL WORLD1:17:25 - SCRIPT DEVIATIONS1:20:30 - RATE THE SCHEME1:22:45 - ICONIC MOMENT

"Let da_dy work all the stress and tension away."---You've had a soul-crushing day. Work stress, burnout, tears—you just needed comfort. So you called your boyfriend. What starts as a comforting phone call turns into a full pampering session—bath, massage, kisses, and gentle love from your normally rough, possessive boyfriend.---IF YOU WOULD LIKE TO HEAR THE FULL SPICY VERSION OF THIS AUDIO, YOU CAN LISTEN HERE Hosted on Acast. See acast.com/privacy for more information.

This Money Tales episode is all about how the messages we learn in our youth and the experiences we have with money as we're growing up shape and orient our relationship to money. Our guest this week is Sue Bevan Baggott. Growing up with home haircuts and hand-sewn clothes, Sue learned early the value of frugality. But it was her and her husband's decision to live on one salary while investing the other that laid the groundwork for Sue to transition from corporate executive to purpose-driven angel investor working to close the gender gap in startup funding. As a human-centered Executive Advisor and Innovation Catalyst, Sue is passionate about empowering leaders to create positive impact, accelerate life-improving innovation and invest for impactful changes in our world. In her career journey from global innovation leader at Procter & Gamble (growing mega-brands from Pantene to Pampers), to Founder of Power Within Consulting, to “Accidental” Angel Investor and Startup Advisor, Sue learned to leverage the power of human-first strategies to accelerate leadership, innovation, business, and entrepreneurial success. Sue strives to unleash people's purpose-driven power as leaders, innovators, and investors to drive positive change – through her speaking, writing, consulting, and advisory/board roles. Through multiple early-stage funds, Sue invests in the change she wants to see in the world with a diverse portfolio of innovative startups solving significant world problems at scale. As an Associate Producer for the award-winning documentary, Show Her the Money, Sue advocates for greater inclusion in the startup world, aiming to encourage more people to invest for change and elevate entrepreneurial success for under-represented founders.

Felon Trump's flurry of unconstitutional executive orders. China released a more affordable A.I. and the tech bros crapped their smart-Pampers. Brazil and Columbia shamed Shitler for the manor in which their citizens were deported. We learned about Anderson Clayton, the young democratic strategist from North Carolina delivering wins. Poland called on all humans to boycott Tesla over statements made by Tickle-Me-Nazi-Elmo. White supremacist hip hop artist, actor and former comic Roseanne Barr blathered a pitch for a new comedy "Saving America." The spawn of what should have of been a load to the khakis, son of Tucker Carlson, landed a job in Trump's dictatorship.

Video Version linked below! https://www.youtube.com/watch?v=WawtQiEVzfA Links & Socials here: https://linktr.ee/haleygutz

Video Version linked below! https://www.youtube.com/watch?v=xJes14BtnVk Links & Socials here: https://linktr.ee/haleygutz

Hey love, come unwind with me tonight. I've transformed our home into a soothing spa just for you. Imagine soft music, relaxing scents, and my hands easing away your stress. It's all about pampering you, helping you relax, and showing you how much you're loved. Let's enjoy a peaceful, loving evening together baby?

The Matt Gaetz report is out, so Trump will surely offer him another job. Surely in need of new Pampers, the President Elect wants to buy Greenland, take back the Panama Canal and occupy Canada. Surely unrelated to the whole canal thing, Shitler is being sued by Panama for tax evasion. Diaper Don reminded America the human impersonator known as Elon is not the president. A GOP congressperson was secretly admitted to a dementia facility. Lumpy brained Pillow Czar Mike Lindell hid financials behind an uncrackable password protected Quicken account. Alaska Repubs rejected a Trump plan to rename Denali. Self-proclaimed Nazi and North Carolina Lieutenant Governor Mark Robinson, AKA Tiny Soldier, logged into an online meeting using his Nude Africa username. In an effort to convince the anti-Globist mouth-breathers of our planet's shape, thoughtless leaders of the flat Earth movement were flown to Antarctica. Speaking of flat, Lara Trump blathered she didn't want to be the Crab's Senator.

Remember when Mark Zuckerberg gave grants out to municipalities to help run elections better, well a lot of people pooped their Pampers over that, but not so much over the money Zucks is giving to the incoming president...weird, right? And if you spot a thing that shouldn't be, send it in to janesays@civicmedia.us and we might use it on the show! So join us Monday through Friday at 11:51 a.m. for “This Shouldn't Be A Thing!” or search for it on Spotify, Apple or wherever you get your podcasts.  And thanks for listening!!

With their latest collaborative project, Return to Love, Shana & Melinda are calling the church back to its true purpose—returning to the heart of Christ's love and rejecting the distractions of political idolatry. Shana Wilson-Williams Shana Wilson-Williams is not just a worship leader and songwriter; she's a voice for transformation in the church. Born in Detroit and raised in a family of faith, her powerful songs like Press In Your Presence and Give Me You have led believers into deep worship experiences for years. As the youngest daughter of Bishop Samuel and the late Lady J Wilson, founders of Community Christian Fellowship Church, Shana's ministry is deeply rooted in her faith and family legacy. Now, she's ready to unveil her newest project, Return to Love, which calls for a profound reconnection with Christ's love in a time of division. Melinda Watts Known for her inspiring daily “pep-talks” and powerful music ministry, Melinda Watts is a voice that many women turn to for encouragement. Melinda Watts is an Atlanta-based Family, Lifestyle & Travel creator, international prophetic worship leader, and sought-after speaker known for her inspiring daily "pep-talks" and music ministry. She serves as a worship leader at Change Church-Atlanta and New Seasons Church in Sacramento, CA, and has been nominated for multiple Dove and Stellar awards. Melinda is the founder of the Made for More Academy, which supports women of faith in growing their businesses. Melinda has collaborated with major brands like Pampers, Target, and Walmart, and has shared the stage with renowned artists such as Kirk Franklin and Tasha Cobbs. Return to Love

Paul, Simon and Saffa have their weekly dose of therapy as Rangers home struggles continue. They discuss the chances at Burnley away before the Pod takes a rather unexpected twist at the end. Hosted on Acast. See acast.com/privacy for more information.

Trump's bizarre 39-minute music listening party looked like Walking Dead the musical. Leonard Cohen and Rufus Wainwright sent a cease and desist to the Trump campaign for spinning their song "Hallelujah" during the sway-break at the end of the so-called town hall.  Polls show the race is tight but Vice President Harris holds a slight lead. VP candidate and Handmaid's Tale fan-boy, J.D. Vance blathered he felt bad for Usha, his wife who is Hindu, for dragging her to Christian church. Dementia Don crapped the bed, and most likely his Pampers, during yet another interview where the sickly, orange-faced-felon couldn't articulate policy points. Texas senatorial candidate Representative Colin Allred wiped the floor with his opponent Temu-Wolverine Ted Cruz during a debate. There was a big early voter turnout in Georgia. The northeast U.S. has been attacked by some of the worst mosquitoes ever. Fascist AI bots have flooded Elon's X with pro-GOP propaganda and the Russians continued their pro-Trump disinformation campaign. 

On this “Small Business Saturday” episode of the “Furthermore with Amanda Head” podcast, Sarah Gabel Seifert, Co-Founder and President of EveryLife joins to discuss the innovative pro-life diaper brand she launched in July of last year.Seifert shares the inspiring journey behind EveryLife, the first company to offer diapers that align with pro-life values. Unlike major brands like Pampers and Honest, which have publicly supported abortion, EveryLife sets itself apart with a clear mission. Their premium, toxin-free diapers are not only safe for babies, but they have also earned rave reviews for their effectiveness in preventing diaper rash.Additionally, EveryLife has already made a huge impact, donating over 2 million diapers to pregnancy resource centers all across our great nation. Seifert reveals the company's exciting expansion plans and their heartwarming “Buy for a Cause” program, which offers families affected by hurricanes Helene or Milton a month's supply of diapers and wipes for just $50.Furthermore, please be sure to keep up with Sarah Gabel Seifert and her EveryLife company online. You can follow their accounts on Instagram: @SarahGabel or @EveryLifeCo. EveryLife is on X (formerly Twitter) and Facebook which you can find by searching: EveryLife. Furthermore, just as Seifert announced on the show, there are big plans coming for EveryLife as they work to expand their product line so be sure you're subscribed to their email list and website by visiting: EveryLife.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mind Pump Fit Tip: The one MUST-DO hack to getting lean & healthy if you're starting at 30% body fat. (1:46) Moments when you get tested as a parent. (10:41) Earn phase of your life vs learn phase. (25:50) BPC-157 is crazy! (31:50) Fun Facts with Justin: Anal breathing. (37:47) The only ‘off the rack' suit for “jacked” guys! (40:10) A Pampers commercial is waiting to happen. (41:59) Fall is here, get your Vuori down jacket. (43:50) How CRAZY counterintelligence is getting! (45:16) The secret sauce is NOT baby oil. (49:15) At what point do we not respect authority? (55:29) Shout out to Mind Pump Show ‘mash-ups'. (1:00:27) #ListenerLive question #1 – What do you think about "resetting" each rep during a workout? (1:02:15) #ListenerLive question #2 – What's the best way to regain this muscle post-500-mile hike? (1:13:17) #ListenerLive question #3 – Should I stay in maintenance, do a bit of a bulk, or do a bit of a cut, and for how long if I want to get leaner? (1:23:40) Related Links/Products Mentioned Ask a question to Mind Pump, live! Email: live@mindpumpmedia.com Visit State & Liberty for an exclusive offer for Mind Pump listeners! ** Discount is now automatically applied at checkout 15% off your first order! ** Visit Vuori Clothing for an exclusive offer for Mind Pump listeners! ** No code to receive 20% off your first order. ** For Mind Pump listeners only, join IHP and Equi.Life for 2 full days of live exhibitions, inspiring keynote discussions, and engaging expert panels at The Reimagining Health Summit October 23 - October 25th in Orlando, FL. Visit here and use the code “LIVE100” which will give $100 off any level ticket (excluding virtual). September Promotion: MAPS Starter | Starter Bundle 50% off! ** Code SEPTEMBER50 at checkout ** Mind Pump #1937: How to Avoid Gaining Weight During the Holiday Season The 360 Degree Leader: Developing Your Influence from Anywhere in the Organization – Book by John C. Maxwell Mind Pump #2125: Heal Like Wolverine: BPC 157 with Dr. William Seeds TRANSCEND your goals! Telehealth Provider • Physician Directed GET YOUR PERSONALIZED TREATMENT PLAN! Hormone Replacement Therapy, Cognitive Function, Sleep & Fatigue, Athletic Performance and MORE. Their online process and medical experts make it simple to find out what's right for you. Gastric pentadecapeptide BPC 157 accelerates healing of transected rat Achilles tendon and in vitro stimulates tendocytes growth Scientists win Ig Nobel for discovering anal breathing in mammals What we know about the Hezbollah device explosions Watch Masters of the Air - Show - Apple TV+ Mind Pump Show - YouTube Visit Butcher Box for this month's exclusive Mind Pump offer!  ** Choose which high-quality, lean protein you'll get for free in every order for a year—wild-caught salmon, organic chicken breasts, or grass-fed ground beef. Plus, get $20 off your first order with our code. That's up to $404 in savings for the year! ** Mind Pump #2122: Deadlift Masterclass How To Sumo Deadlift (The RIGHT Way) | Jordan Syatt – Mind Pump TV What Is The Prerequisite For The Deadlift? – Dr. Jordan Shallow How To Hip Hinge Properly (Fix THIS!) Building Muscle with Adam Schafer – Mind Pump TV Mind Pump #2287: Bodybuilding 101- How to Bulk and Cut Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Dr. William Seeds (@williamseedsmd) Instagram  

Carrie chats with Carrie Birth-Davis, the Director of Sports Marketing at Procter & Gamble! They discuss Carrie's amazing work with P&G, from supporting athletes at the Olympics with initiatives like the Pampers nursery and the Olympic Village hair salon to providing essential products for competitors. Carrie also opens up about her journey chasing her Abbott Marathon Major star, her personal health challenges alongside her husband, and her passion for lifting up women in sports and beyond. Plus, hear about her experiences running into Noah Lyles, working with coach Adam Goucher, and her exciting plans for the future.

Margo is joined by Kenzie Elston, the whimsical artist behind Snippets of Whimsy. A graduate of the University of Cincinnati's DAAP program, Kenzie began her career designing for Procter & Gamble's Pampers and Always brands. Now freelancing, she licenses her joyful illustrations and playful hand lettering to gift, garden, stationery, and home decor companies. Known as a "positivity artist," Kenzie's creative identity shines through her love for color, florals, and uplifting designs. Beyond art, she enjoys collecting sketchbooks, antique tchotchkes, and novels, and she lives for daily dance parties with her two young sons.   Margo and Kenzie discuss: Her journey from working for Proctor and Gamble to finding her unique voice as an illustrator Growing up in a creative atmosphere & finding your own way. Using elements to create, and building a design bank. What playing with your art & creativity opens up Her intuitive approach to art  Finding a knack for blending family life with a flourishing creative career Drawing inspiration from her children The importance of creating cohesive collections Navigating market trends The necessity in holding strong boundaries as a creative Upcoming retreats that promise to build a close-knit community of like-minded creatives   Connect with Kenzie: www.snippetsofwhimsy.com www.instagram.com/snippetsofwhimsy ReStart Make Art (Retreat!): https://www.restartmakeart.com/   Connect with Margo: www.windowsillchats.com www.instagram.com/windowsillchats www.patreon.com/inthewindowsill  

What does it take to successfully market a brand today? Last month, Guy sat down with marketing expert Jim Stengel to find out.Jim spent more than two decades at Procter & Gamble, where he managed international brands like Jif and Pampers. He spent seven years as P&G's Global Marketing Officer.Today, he consults with businesses large and small, and interviews marketing leaders on his show, The CMO Podcast.This interview was recorded in front of a live audience on the Amazon stage at Cannes Lions International Festival of Creativity, and was supported by Wondery.This episode was produced by John Isabella with music by Sam Paulson. It was edited by Neva Grant. Our audio engineers were Cena Loffredo and Debbie Daughtry. You can follow HIBT on X & Instagram, and email us at hibt@id.wondery.com. And sign up for Guy's free newsletter at guyraz.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Full show - Thursday | GMD - Promotion or Pampers | The Fray is back | 20s vs 30s | Bachelorette party | Late for work | Slacker needs an arborist @theslackershow @thackiswack @radioerin

NIck was just offered a promotion at his company. It would almost double his salary, but he'd have to travel a lot. He wants to put the plans he made with his wife Christina to start a baby on hold while they take advantage of the higher salary. Christina says she's done waiting, and wants a baby NOW. Whose side are you on?

Mel's settling into New York now, but before that, she sat down with Janet to talk about her expectations for the big move. Frequent listeners will know that Janet's bounced around a lot, and at one point, NYC was a place she really hoped to live. Unfortunately, though the city is easy to romanticize, setting down roots there has its own unique set of challenges. Mel talks about how she prepared for the move, from creating Excel spreadsheets to researching all the different boroughs. Janet shares several attempts to try and make things work in New York, including a time where she booked a place to stay on Craigslist… but it turned out to be a brick wall! New York is the city of opportunity and inspiration, but what happens if your dreams don't work out the way you expect? __________________________________________ Hosts: Melody Cheng and Janet Wang __________________________________________ P A R T N E R S • Seed: Check out Seed's DS-01 Daily Synbiotic & get 25% off your first month with code “25ABG” at Seed.com/ABG • Lumen: Get $100 off your Lumen with code “ABG” at Lumen.Me • Honeylove: Get 20% OFF by going to honeylove.com/ABG  • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy AANHPI Heritage Month! Every year, we love to highlight our personal stories and connections with our heritage. In this episode, we're taking a deep dive into specific topics we've always been curious about: Why did most early immigrants from China to the US come from the Toisan region? What's the history & symbolism behind the familiar Chinese knot artistry often used to decorate homes & clothing? And why was the Taiwanese language banned for some time? By bringing attention to these topics, we hope to preserve memories of these practices and appreciate parts of our heritage that we sometimes take for granted. What practices & traditions are unique to your heritage? Please share with us in the comments! __________________________________________ Hosts: Melody Cheng, Janet Wang, Helen Wu Editor: Michelle Hsieh Contributing Editor: Haemee Kang __________________________________________ P A R T N E R S • OSEA: Receive 10% off your order with code ABG at OSEAMalibu.com • TaiwanPlus: Access English-language news, educational content, and entertainment from Taiwan at TaiwanPlus.com • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices

As people grow and change, you might find yourself in your 30s as a very different person than you were in your 20s. Teenage you might not have even imagined who you are today. So while it may be slightly embarrassing to look back at those old versions of ourselves, in this episode we're reflecting on all the glow ups (and even glow downs) that brought us here. From puberty and bad haircuts, to finding our self-confidence post-college, it's fun to reflect on how far we've come and how our definition of glow ups has changed over the years. __________________________________________ Hosts: Melody Cheng, Janet Wang, Helen Wu Editor: Michelle Hsieh Contributing Editor: Haemee Kang __________________________________________ P A R T N E R S • Skims: Find your next go-to basics at Skims.com/abg and let them know ABG sent you! • Quince: Get free shipping and 365-day returns at Quince.com/abg • Clarins: Receive 10% off Multi-Active Day & Night Cream + a free welcome gift + free shipping on your first order using code “ABG” at Clarins.com/ABG • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever wondered what it'd be like to raise your child in another country? In today's episode, I bring my old high school friend, Connie Ma, onto the podcast to chat about the unique experience of raising a family abroad, particularly in Taiwan. Connie shares her journey from the United States to Taiwan, highlighting the challenges and joys of integrating into Taiwanese society. We discuss language immersion, educational systems, parental support, and cultural differences in parenting practices. Connie also shares her experiences with postpartum confinement in Taiwan, providing insights into the benefits and drawbacks of this tradition. Throughout the episode, you'll gain a valuable perspective on the complexities of expat parenthood and the enriching experiences it offers. Have you wondered what it'd be like to move your family abroad? Or are you someone who's already made the bold decision to? If so, I'd love to hear your experience! Share in the comments of AsianBossGirl's latest Instagram post, linked here.  #SpillTheBabyTea __________________________________________ Host: Helen Wu Editor: Victoria Cheng __________________________________________ P A R T N E R S • Miracle Brand: Save over 40% off and receive 3 free towels with code “ABG” at TryMiracle.com/ABG • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In a world filled with so many influences and voices, how do you return back to your core self and rediscover your life's purpose? Or in the words of today's guest, how do you start living from the inside out, rather than the outside in? We're so excited to sit down with John Kim, known for his work as The Angry Therapist. After going through a divorce, John shared his self-development journey online, growing a community through his frankness and vulnerability. He brings the same to our podcast today, talking about everything from what it means to focus on yourself outside of a relationship to how something like riding a motorcycle can actually be a form of meditation. John is a licensed therapist and life coach, crossfit enthusiast, co-founder of TAT Lab & Lumia Coach Training, and best-selling author of books like I Used to Be A Miserable F*ck: An Everyman's Guide to a Meaningful Life, and Single On Purpose: Redefine Everything. Find Yourself First.  __________________________________________ Host: Janet Wang Guest: John Kim, The Angry Therapist Contributing Editor: Haemee Kang __________________________________________ P A R T N E R S • Clarins: Receive 10% off Multi-Active Day & Night Cream + a free welcome gift + free shipping on your first order using code “ABG” at Clarins.com/ABG • Seed: Check out Seed's DS-01 Daily Synbiotic & get 25% off your first month with code “25ABG” at Seed.com/ABG • Honeylove: Get 20% OFF by going to honeylove.com/ABG  • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices

When you go through big life changes, it can frequently feel like you're unbalanced and losing control of your circumstances, even if the changes are good ones. This year, Mel's taking big steps by moving cross-country, while Janet is stepping out of her comfort zone into a new era of carefree play. As we enter new chapters in life, what is the best way to measure progress and re-center ourselves? Are there books, practices, and self-help podcasts that we love to turn to, to help us navigate these transitions?  Share your favorite self-help podcasts with the community below! __________________________________________ Hosts: Melody Cheng and Janet Wang Editor: Michelle Hsieh __________________________________________ P A R T N E R S • OSEA: Receive 10% off your order with code ABG at OSEAMalibu.com • Hiya: Get 50% off your first order at hiyahealth.com/ABG • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Regardless of how many personal & professional events you've been to, we've all experienced awkward social interactions before. Sometimes you enter a room and realize you don't know anyone there, or maybe your social battery runs out mid-conversation. Or what if someone you recognize starts talking to you, but you absolutely can't remember their name? We share our best advice for how to navigate these sticky situations, along with our tried and true tips & tricks for how to hype yourself up before an event, manage your social energy throughout, and end the night with lasting impressions. __________________________________________ Hosts: Melody Cheng, Janet Wang, Helen Wu Contributing Editor: Haemee Kang __________________________________________ P A R T N E R S • Skims: Shop best-selling essentials at skims.com/abg and let them know ABG sent you! • LMNT: Get a free sample pack with any purchase at DrinkLMNT.com/ABG • OneSkin: Get started with 15% off your order using code “ABG” at OneSkin.co • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices

As you navigate the dating world, it's important to know what you're looking for and to watch out for those green, beige, and red flags. We've had our fair share of red flag experiences that have taught us more about ourselves and what we're unwilling to compromise on. If a guy isn't super action-oriented, or if someone doesn't want to have kids, these could be major red flags, or even deal breakers for a relationship. And what about red flags when it comes to 1st date locations? Zoos and buffets are off the table for us, but what if someone asked us to be their plus-one to a wedding?! Would you go to a wedding for a 1st date? Let us know in the comments! __________________________________________ Hosts: Melody Cheng, Janet Wang, Helen Wu Editor: Michelle Hsieh Contributing Editor: Haemee Kang __________________________________________ P A R T N E R S • Hiya: Get 50% off your first order at hiyahealth.com/ABG • Blueland: Receive 15% off your first order at Blueland.com/ABG • Shopify: Sign up for a $1 per month trial period at shopify.com/abg • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Many of us know the joy (and sometimes frustration) of growing up with siblings, but the bond shared between twins is something only approximately 3% of the world can understand. So what better way to learn than to invite the experts! Our good friends Jason and Justin Rodjanapanyakul have joined us today to share all about their experience living and working together as twins. From growing up in a monastery as “baby monks”, to starting a music duo on YouTube as the JRod Twins, to now returning to school to study interior design & entrepreneurship - Jason and Justin have lived it all both as a pair and as individuals.  __________________________________________ Hosts: Melody Cheng and Helen Wu Guests: Jason Rodjanapanyakul and Justin Rodjanapanyakul Contributing Editor: Haemee Kang __________________________________________ P A R T N E R S • Factor: Use code “abg50” to get 50% off at factormeals.com/abg50 • Honeylove: Get 20% OFF by going to honeylove.com/ABG  • Pampers: For trusted protection, trust Pampers, the #1 pediatrician recommended brand. • Clarins: Receive 10% off Multi-Active Day & Night Cream + a free welcome gift + free shipping on your first order using code “ABG” at Clarins.com/ABG • BetterHelp: Get 10% off your first month with code “ABG” at betterhelp.com/ABG __________________________________________ C O N N E C T W I T H U S • Subscribe and Follow us @asianbossgirl on Apple Podcasts/Spotify/Amazon Music/YouTube/Instagram/Twitter/Facebook • Listener Survey: Let us know your thoughts on the podcast here • Shoutouts: Give a shoutout on the podcast here • Email: hello@asianbossgirl.com __________________________________________ S U P P O R T U S • Merch: asianbossgirl.myshopify.com • Donate: anchor.fm/asianbossgirl/support • More about us at asianbossgirl.com Learn more about your ad choices. Visit megaphone.fm/adchoices