Podcasts about paying

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Jon Gustin didn't set out to be a parenting voice. He became one the hard way. In this conversation, Jon talks honestly about early exposure to alcohol, years of running from anxiety, and what happened when becoming a father forced him to stop numbing and start paying attention. He shares what it was like to quit drinking, face anxiety head-on, and rebuild his marriage and inner life while raising young kids. There's no dramatic turnaround story here—just the quiet, difficult work of changing patterns so they don't get passed down. From there, the conversation turns to modern childhood. Screens. Phones. Messy houses. Kids growing up too fast. Jon makes a simple but urgent case: childhood needs protection—not through fear or control, but through attention. Paying attention to what kids are doing, who they're becoming, and whether they're being pushed into an adult world too soon. This episode is for parents who sense something is off, who don't want to overreact or opt out of modern life—but who also refuse to sleepwalk through it. Thoughtful, steady, and deeply reassuring. Learn more about Jon and all he has to offer here Pre-order Jon's book, The Tired Dad here Learn more about your ad choices. Visit megaphone.fm/adchoices

Debt is at record highs, yet insolvencies are flat. Why? In this episode of Debt Free in 30, Licensed Insolvency Trustees Doug Hoyes and Ted Michalos explain a financial paradox that's leaving millions of Canadians stressed, exhausted, and confused. The answer isn't that people are okay. It's that people are enduring. If you're paying your bills but still feel like you're drowning, this episode is for you. Coming Up Next Next episode: a special double episode with David Chilton (The Wealthy Barber) — a practical conversation about money, debt, and what Canadians are really facing heading into 2026.  2025 Predictions Show Office of the Superintendent of Bankruptcy, Insolvency Statistics Statistics Canada, Household debt levels (including credit cards) Statistics Canada, CPI (Inflation) Mortgage Rates, Bank of Canada Hoyes Michalos Homeowners Bankruptcy Index TransUnion, Canadian Consumer Debt Continues to Grow Despite Macroeconomic Relief Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario In This Episode, You'll Learn: · Why people don't file when debt rises — they file when cash flow breaks · How inflation pushed credit card balances higher without immediate defaults · Why paying the minimum isn't a solution — it's a delay · How balance transfers and mortgage equity are masking financial stress · Why insolvencies tend to stay flat, then jump · What would trigger a surge in personal insolvencies · Our 2026 insolvency predictions for Ontario · Why relief isn't failure — and how getting advice early preserves options (00:00) You're Not Failing — You're Enduring (02:30) Debt Is Exploding, So Why Aren't Bankruptcies Rising? (05:20) People Don't File When Debt Rises — They File When Cash Flow Breaks (08:10) Why Credit Card Debt Is Rising Without Defaults (11:00) Paying the Minimum Is Buying Time — Not Solving the Problem (14:00) Who's Carrying the Debt Now (And Why That Matters) (17:10) Why Inflation Changed How Insolvencies Work (20:20) The Hidden Delay: Interest Rates Haven't Fully Hit Yet (23:40) Mortgage Equity Is Masking Financial Stress (27:00) Why Insolvencies Don't Rise Gradually — They Snap (30:00) Why Convexity Shows Up Later (32:40) The Paperclip Effect: Endurance vs. Breaking (34:10) What Would Trigger a Surge in Insolvencies? (35:30) Our 2026 Insolvency Predictions (38:00) Relief Isn't Failure — It's a Reset Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Happy holidays from Sinica! This week, I speak with Paul Triolo, Senior Vice President for China and Technology Policy Lead at DGA Albright Stonebridge Group and nonresident honorary senior fellow on technology at the Asia Society Policy Institute's Center for China Analysis. On December 8th, Donald Trump announced via Truth Social that he would approve Nvidia H200 sales to vetted Chinese customers — a decision that immediately sparked fierce debate. Paul and I unpack why this decision was made, why it's provoked such strong reactions, and what it tells us about the future of technology export controls on China. We discuss the evolution of U.S. chip controls from the Entity List expansions under Trump's first term through the October 2022 rules and the Sullivan Doctrine, the role of David Sacks and Jensen Huang in advocating for this policy shift, whether Chinese firms will actually want to buy H200s given their heterogeneous hardware stacks and Beijing's autarky ambitions, what the Reuters report about China cracking ASML's EUV lithography code tells us about the choke point strategy, and whether selective engagement actually strengthens Taiwan's Silicon Shield or undermines it. This conversation is essential listening for understanding the strategic, technical, and political dimensions of the semiconductor competition.6:44 – What the H200 decision actually changes in the real world 9:23 – The evolution of U.S. chip controls: from Entity Lists to the Sullivan Doctrine 18:28 – How Jensen Huang and David Sacks convinced Trump 25:21 – The good-faith case for why export control advocates see H200 approval as a strategic mistake 32:12 – What H200s practically enable: training, inference, or stabilizing existing clusters 38:49 – Will Chinese companies actually buy H200s? The heterogeneous hardware reality 46:06 – The strategic contradiction: exporting 5nm GPUs while freezing tool controls at 16/14nm 51:01 – The Reuters EUV report and what it reveals about choke point technologies 58:43 – How Taiwan fits into this: does selective engagement strengthen the Silicon Shield? 1:07:26 – Looking ahead: broader rethinking of export controls or patchwork exceptions? 1:12:49 – What would have to be true in 2-3 years for critics to have been right about H200?Paying it forward: Poe Zhao and his Substack Hello China TechRecommendations: Paul: Zbig: The Life of Zbigniew Brzezinski, Amerca's Great Power Propheti by Ed Luce; Hyperdimensional Substack by Dean Ball Kaiser: Everything Is Tuberculosis by John Green; The Anthropocene Reviewed by John Green; So Very Small by Thomas LevensonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Teachers who collect a pension, Social Security, and draw income from a non-Roth retirement account may face an additional Medicare tax. Lucretia Ryan of Financial Freedom for Women breaks it all down. Why Am I Paying an Additional Medicare Tax? Financial Freedom for Women More Dirty Little Secrets of Medicare "Advantage" (YouTube) Dirty Little Secrets of Medicare "Advantage" Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

He was CRUSHED TO DEATH while paying at McDonalds!

Harish Bhat spent 38 years with the Tata Group, working across businesses that reach millions of Indians every day, including Titan, Tanishq, and Tata Tea.He joins Neon Show for a 3rd time and reflects on what it meant to build inside a 150+ year-old institution. The conversation begins in 1991, the year Ratan Tata took over as Chairman, a role he would hold for 21 years. Harish explains how Ratan Tata prepared Tata Sons at a time when the Indian economy was opening up and competition was changing rapidly.We discuss landmark moments in the group's history, including the Tetley acquisition in 2000, the first time an Indian company acquired a major global consumer brand. Harish shares how this decision transformed not only the Tata Group's mindset but also the way ambitious Indian businesses think about their potential.Harish speaks about Ratan Tata not as a distant icon, but as a leader he worked closely with. He shares stories of how decisions were made, how conflicts were handled, and why dignity, compassion, and keeping one's word were always non-negotiable for Ratan Tata.The conversation also draws from his book Doing the Right Thing, where he transfers these experiences into practical lessons on leadership shaped over decades.https://www.amazon.in/Doing-Right-Thing-Bestselling-Tatastories/dp/014347985700:00 — Trailer01:07 — Paying tribute to Mr. Ratan Tata05:53 — The Tata family legacy06:53 — Early childhood and education of Ratan Tata07:48 — The decision to return to India08:44 — How Ratan Tata prepared the Group for a liberalised economy14:35 — How Tata Sons became a global business16:45 — The $450 million Tetley acquisition20:08 — Tata Group's acquisition of Global Brands23:33 — A visionary leader who chose to remain deeply private25:04 — How Ratan Tata dealt with Conflict28:58 — Dignity above all31:29 — The only concern on renovation of Bombay House34:41 — How the Tata Group gives back to Mumbai39:44 — Four lessons from Ratan Tata's Life42:50 — The deeper purpose that drives the Tata Group44:45 — Emotional gestures that speak to people's hearts48:45 — Ratan Tata as a philanthropist51:26 — A life guided by the principle: “Do the right thing”53:06 — The story behind the book-------------India's talent has built the world's tech—now it's time to lead it.This mission goes beyond startups. It's about shifting the center of gravity in global tech to include the brilliance rising from India.What is Neon Fund?We invest in seed and early-stage founders from India and the diaspora building world-class Enterprise AI companies. We bring capital, conviction, and a community that's done it before.Subscribe for real founder stories, investor perspectives, economist breakdowns, and a behind-the-scenes look at how we're doing it all at Neon.-------------Check us out on:Website: https://neon.fund/Instagram: https://www.instagram.com/theneonshoww/LinkedIn: https://www.linkedin.com/company/beneon/Twitter: https://x.com/TheNeonShowwConnect with Siddhartha on:LinkedIn: https://www.linkedin.com/in/siddharthaahluwalia/Twitter: https://x.com/siddharthaa7-------------This video is for informational purposes only. The views expressed are those of the individuals quoted and do not constitute professional advice.Send us a text

In this episode we tackle more of your questions, starting with a look into Roth strategy, including how TSP Roth in-plan conversions work and what to consider when converting a traditional IRA to a Roth IRA and paying the resulting tax bill. We then briefly hear from our friends at Fox CPAs. From there we shift to 529 plans and explore how to use them effectively, what to do if they become overfunded, and whether having too much in a 529 is really a problem at all. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #451 01:34 When to Take Your Social Security 09:55 Student Loan Update 22:43 TSP Roth Conversions 27:22 Large Roth Conversions 31:00 Fox & Company CPAs Interview 42:51 Overfunded 529 Accounts 53:45 529 & HSA Reimbursement Timing

Listener Q&A where Andy talks about: Potential advantages or disadvantages of consolidating retirement accounts ( 4:28 )Paying taxes through IRA withholdings vs making estimated payments ( 13:08 )Whether a minister's housing allowance impacts Affordable Care Act subsidy eligibility ( 26:11 )When Qualified Longevity Annuity Contracts ("QLACs") might make sense to consider ( 30:27 )When following the 4% "rule" for distributions, can you reset your initial distribution if/when your portfolio value increases from market gains ( 37:48 )If someone has an outdated will and unused trust, but the person verbally stated their wishes to the heirs, is there a need to update will and/or trust, especially if there is currently nothing in the trust ( 49:19 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:Tenon Financial August 2024 newsletter about - Retirement plan-to-IRA rollover pros and consRetirement Planning Education YouTube video - What is a QLAC (Qualified Longevity Annuity Contract)?Retirement Planning Education podcast episode - #002 - What's the 4% RuleMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Episode 609 If you want help getting clear on your numbers, your income, and a smarter path to long term freedom, schedule a free strategy call at LoanOfficerStrategyCall.com. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Adam Crosley, a regional manager with Crown Home Mortgage, for a candid conversation about money, investing, and what it really means to make work optional. The discussion kicks off with Adam sharing how he saved over $8,400 in a single month by consistently paying himself 25% first, and why that habit alone puts him ahead of the vast majority of Americans. Carl and Adam dive deep into real numbers around real estate investing versus the stock market, pulling from decades of firsthand experience. Carl openly shares lessons learned from single family rentals, negative cash flow, and underestimated maintenance, while comparing those results to long term investing in the S&P 500 and precious metals. The conversation strips away theory and focuses on what actually builds wealth with fewer distractions and less stress. They also explore multi unit real estate, leverage, tax strategies, liquidity, and why most investors underestimate the true cost of time and opportunity. Throughout the episode, the message stays clear and practical: save consistently, know your numbers, and keep your focus on the activities that produce the highest return. If you want a real world conversation about building long term wealth while staying focused on your mortgage business and your family, this episode will challenge how you think about money, investing, and freedom.

Law Firm Owners! Paying Another Attorney Isn't Fee Splitting. If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

016. Paying Yourself Isn't a Bonus. It's the Whole Damn Reason This episode is a loving but firm reality check for anyone whose business only works when they are constantly pushing, launching, and holding their breath between Stripe notifications. If your income disappears the moment you slow down, that is not freedom. That is fragility. In this conversation, Lisa breaks down why stability is one of the most underrated and misunderstood business goals, especially for creative entrepreneurs who were taught that growth always has to come before rest. She talks honestly about what it feels like to run a business that looks impressive on the outside while quietly draining the person holding it together. This episode reframes paying yourself as what it actually is: not a reward, not a bonus, and not something you earn after suffering long enough, but a non negotiable operating expense. A business that cannot pay its owner is not successful. It is expensive. Lisa walks through why inconsistent owner pay is usually not a discipline issue, but a clarity issue rooted in messy books, unpredictable income, fear around taxes, and not knowing what is actually safe to take. She explains why waiting for stability does not create stability, and how systems are what carry you when motivation disappears and real life hits hard. You will walk away with a clearer understanding of what stability really looks like, why calm bank app energy matters more than flashy months, and how building a business that supports your life starts with clean numbers and consistent owner pay. This episode is for the business owner who wants to feel safe, supported, and paid, even when life gets messy. LINKS MENTIONED IN THIS EPISODE: Book a Discovery Call Full Show Notes CONNECT WITH LISA: Work with me: simplybooked.llc Instagram: @simplybookedbylisa Email: lisa@simplybooked.llc

Lance Katigbak, Principal at BCG Manila, joins Jeremy Au to break down why Filipino households, not individuals, are the true drivers of economic decisions in the Philippines. Drawing from BCG's large scale research on the Filipino family, they explore how family structures shape spending, saving, and borrowing behavior, and why health risk sits at the center of financial anxiety. The conversation covers multi earner and extended households, the role of informal lending, and how overseas Filipino workers remain deeply involved in family decisions from abroad. Lance also explains why most products miss the market by designing for individuals, and how companies can unlock real opportunity by building for the household instead. 03:25 Filipino families fall into six major structures: Nuclear families make up less than half of households, with one earner, dual earner, and multi earner families each representing about a third of the population. 09:07 Informal lenders understand households better than banks: Five six lenders assess family level ability to repay, unlike formal finance that underwrites individuals. 13:01 Debt is driven by medical necessity: Paying off debt is the top priority for the poorest families, with health emergencies as the main trigger for borrowing. 18:35 Overseas Filipino workers anchor household budgets: OFWs send home most of their income and remain actively involved in family decisions through constant communication. 23:17 The Filipino dream centers on family security: Top goals are financial protection against health shocks and starting small stable businesses. 29:16 Spending roles differ by gender: Women often manage savings and budgets while men more often handle investments and hardware purchases. 32:04 Families seek modest upgrades, not luxury: Aspirations focus on stress free groceries, affordable dining out, and daily stability rather than status. Watch, listen or read the full insight at https://www.bravesea.com/blog/lance-katigbak-filipino-money-decisions WhatsApp: https://whatsapp.com/channel/0029VakR55X6BIElUEvkN02e TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea Spotify English: https://open.spotify.com/show/4TnqkaWpTT181lMA8xNu0T Bahasa Indonesia: https://open.spotify.com/show/2Vs8t6qPo0eFb4o6zOmiVZ Chinese: https://open.spotify.com/show/20AGbzHhzFDWyRTbHTVDJR Vietnamese: https://open.spotify.com/show/0yqd3Jj0I19NhN0h8lWrK1 YouTube  English: https://www.youtube.com/@JeremyAu?sub_confirmation=1 Apple Podcast  English: https://podcasts.apple.com/sg/podcast/brave-southeast-asia-tech-singapore-indonesia-vietnam/id1506890464 #PhilippineEconomy #FilipinoFamilies #HouseholdDecisions #HealthRisk #OFWLife #FinancialBehavior #EmergingMarkets #FamilyFirst #SEATech #BRAVEpodcast

Have you ever felt indebted to someone? Like you owe them something because they gave you something.. even if it was just a compliment.. I know I definetly have! I always felt like I needed to balance something out immediately or it would be lingering thought in the back of my mind (feeling some kind of guilt)Well.. what if I told you that this is hurting your energy.. this is hurting your ability to create more abundance in your life ( the energy of being indebted to or owing someone is effecting your ability to attract more money in) Not to worry I am going to help you clear that up!What if I told you everything is already in balance.. and you have to do nothing other than to see that! Let's dive into this inside todays podcast! Get your energy in fair exchange so that you can attract more abundance into your life! Email:⁠⁠⁠⁠ info@nouksgoddessacademy.com⁠⁠⁠⁠Dive deeper inside the Free Goddess Academy Membership:⁠⁠⁠⁠⁠ https://portal.nouksgoddessacademy.com/Membership⁠⁠⁠⁠Want to explore more of our programs?Visit: ⁠⁠⁠⁠www.nouksgoddessacademy.com⁠⁠⁠⁠Come hang out with me!Instagram: ⁠⁠⁠⁠⁠https://www.instagram.com/manoukvink⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠https://www.youtube.com/@manoukvink⁠⁠⁠⁠

On today’s episode, Jason discusses the suddenly wide open path to the Super Bowl for the San Francisco 49ers, why the arrival of a surprisingly unwashed Philip Rivers wasn't enough to save the Indianapolis Colts from a second half free fall, why this particular NFL season should serve as a friendly reminder that paying your quarterback top dollar is risky business, and his early leans for the upcoming NFL Week 17 slate. #FSR Follow Jason on Twitter and Instagram. Click here to subscribe, rate and review all of the latest Straight Fire with Jason McIntyre podcasts!See omnystudio.com/listener for privacy information.

Christmas comes early for President Trump and his extraordinary wins with his policies. The U.S. economy surged in quarter 3 of 2025. Gross domestic product grew at a 4.3%, much stronger than the 3.2% predicted by economists. With gas prices continuing to drop and Christmas and New Year's travel at a record high, the economy seems to be full steam ahead. As more Epstein files are released, the more Bill Clinton comes under scrutiny. Unsavory photos of "tubba bubba" in a hot tub and multiple pictures of Bill and Jeffrey together, Bill Clinton can't escape the Epstein scandal. With the released 30,000 documents, only untrue and sensationalist claims can be made against President Trump. A custodian at Brown University warned staff members about the shooter three times about his suspicious behavior but staff members were more concerned about Palestinian events on campus. This tragedy could have been avoided and saved the lives of Ella Cook and Mukhammad Aziz Umurzokov. Rand Paul's festivus report revealed more atrocious ways our government spends money, like $5 million to give dogs cocaine and over $1 million to teach teenage ferrets to binge-drink alcohol. Our panel shares their favorite holiday traditions, plus the winners and losers of the week and the year! Featuring: Erika Donalds Chair of Education Opportunity | AFPI https://x.com/ErikaDonalds Rob Bluey Executive Editor & President | The Daily Signal https://www.dailysignal.com/ Katie Zacharia Attorney, Legal & Political Strategist https://x.com/KatieZacharia Today's show is sponsored by: Delta Rescue Delta Rescue is one the largest no-kill animal sanctuaries. Leo Grillo is on a mission to help all abandoned, malnourished, hurt or suffering animals. He relies solely on contributions from people like you and me. If you want to help Leo to continue his mission of running one of the best care-for-life animal sanctuaries in the country please visit Delta Rescue at: https://deltarescue.org/ Beam Do you want to wake up in the middle of the night and scare Santa away and ruin Christmas? Of course you don't, you want to wake up refreshed, inspired and ready to take on Christmas day or any day! You need Beam's Dream powder. This best-selling blend of Reishi, Magnesium, L-Theanine, Apigenin and Melatonin will help you fall asleep, stay asleep, and wake up refreshed. So if you're ready for the best night of sleep you ever had just head to https://shopbeam.com/SPICER to receive 40% off your order. ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ 5️⃣ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Learn more about your ad choices. Visit megaphone.fm/adchoices

69 [12.23] Kitzur Yomi 34:5-13 [Priority in Tzedakah. Never Say No. Paying Pledges Right Away]

Anyone who thinks that all you have to do with an invoice is pay it, is in for a rude awakening. We've got a list of 9 things that need to be verified before the payment is made. Plus, I want to go over the one piece of information that folks often think they can take directly from the invoice – but they shouldn't. But first, let's go over the stuff they must verify. #accounting #accountspayable #invoice Link to Three-Way Match https://www.youtube.com/playlist?list=PLtL6rWSXZ-HemLUV6hG8rDbeElk9kaPjm Subscribe for more tips and insights like this: https://www.youtube.com/APNow?sub_confirmation=1 Looking for more of the most current business intelligence about + Best practices around your payment and accounts payable function + Current and new fraud protection protocols + The newest technology impacting your accounting, accounts payable, and payment functions + Career advancement +And much more!! +++++++++++++++++++++++ See most recent videos at: https://www.youtube.com/@APNow/videos See all short tips at: https://www.youtube.com/playlist?list=PLtL6rWSXZ-He5ELp9TP3wqQdHIbfIcFAB Learn more about AP Best Practices; Playlist at: https://www.youtube.com/playlist?list=PLtL6rWSXZ-HcvMSJTdNs0BCQJ0Ivb4l9V

Reddit Stories - OP supported her partner financially after moving across the country together, believing his unemployment claims. Months later, she discovers he lied while refusing to work, forcing her to confront betrayal, exhaustion, and whether love is enough to stay.Become a supporter of this podcast: https://www.spreaker.com/podcast/lost-genre-reddit-stories--5779056/support.

I love the pettiness of it!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode 613 is brought to you by:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Chase Bliss⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Stringjoy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Use code: HUM to save 10%⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reverb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support this channel on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Want to send us mail?60 Cycle Hum9450 Mira Mesa Blvd #615San Diego, CA 92126⁠⁠Did you watch the Paul/Joshua fight? 00:00 Intro01:01 Is Vintage Verified the way of the future for the vintage guitar market? 40:21 POWER GIG51:00 Thanks Patreon!51:50 Steve finally got his Progress Pedals DAD250+ CHECK OUT Scaling Pedals on IG56:14 Buzz Bo1:03:00 Collectible and Playable1:10:27 This song was sent by Ben Novak and is called "Purple Delorean"*⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠60CH on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy a Shirt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sweetwater⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠zZounds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thomann⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Perfect Circuit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ebay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reverb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tour Gear Designs Patch Cables⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠+⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram @60cyclehum⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hire us for Demos and other marketing opportunities ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#60cyclehum #guitar #guitars

10:30am - Sal Capaccio discusses the 2025 rookie class and how the have been performing for the Bills this season

Steve Sy is one of the most respected names in Philippine e-commerce today. But his success wasn't built on shortcuts, hype, or overnight wins.In this episode, Steve breaks down why chasing profit alone can actually destroy a business, how most entrepreneurs scale before they're ready, and why capacity, systems, and purpose matter more than opportunity.He opens up about being ₱32,000,000 in debt at 28, spending 12 years paying it all back, and rebuilding from zero before creating a billion-peso e-commerce company. Along the way, he shares the lessons that only come from long-term pressure, painful mistakes, and staying faithful to the process when quitting feels easier.This conversation goes beyond tactics. It's about patience in a world obsessed with speed, faith in seasons of uncertainty, and building businesses that last.If you're an entrepreneur, creator, or business owner who feels stuck, overwhelmed, or tempted to rush growth.. this episode will challenge how you think about success.In this episode, we talk about:- Why profit without purpose can break a business- The real reason most companies fail when they scale- The bamboo tree principle and long-term growth- Paying off massive debt without shortcuts- Building capacity before chasing opportunity- Faith, resilience, and responsibility in business- Why success takes years, not monthsIf this conversation resonated with you, share it with someone who needs to hear it. Hosted on Acast. See acast.com/privacy for more information.

A Note from James:One of my favorite conversations on this show was with Peter Thiel. Yes—PayPal, Facebook, Palantir, and a dozen other hits. I first ran this episode years ago, and the advice still holds up. The same stories, the same frameworks—and the same challenge to think from first principles. Here's Peter Thiel, one of the most influential entrepreneurs of our time. Episode Description:In this redux, James pressure-tests the core ideas from Peter Thiel's Zero to One—why competition is for losers, how real monopolies are built, and why starting “narrow” is often the only path to something huge. They cover Facebook's early moat (real identity), PayPal's network-effect wedge on eBay, and the “10x or nothing” bar for proprietary technology. Peter shares a contrarian read on bubbles, why biotech's slump may be opportunity, and how to hire, divide roles, and keep teams from fighting. The through-line: seek secrets, combine disciplines, and make something so different that it becomes its own category. What You'll Learn:How to pick markets the Zero to One way: start with a “small, winnable monopoly,” then expand in concentric circles. The four classic moats—and which to favor first: proprietary tech, network effects, economies of scale, and brand (with a bias toward real tech). A practical rule for virality vs. network effects: growth is a tactic; enduring value comes from the network that forms once users arrive. Team design that prevents internal warfare: make roles uniquely owned; if two people own the same thing, you're paying for a fight. How to hunt “secrets”: believe they exist, look where consensus is stale, and borrow from adjacent fields to see what specialists miss. Timestamped Chapters:[02:00] A Note from James — Why this conversation still ranks among the best. [03:00] Zero to One, in one line — “Do something new, different, fresh, strange.” [05:17] Competition vs. Capitalism — Why perfect competition kills profits; aim for uniqueness. [07:28] Facebook's original edge — Real identity as the breakthrough vs. MySpace's alt-persona culture. [09:14] Bits vs. Atoms — Stagnation outside software and how biology could become an information science. [12:05] Personality and perseverance — Why mild contrarian wiring helps founders ignore status games. [15:21] “10x or nothing” — The technology and/or experience must be an order of magnitude better. [17:00] Monopoly thinking, ethically done — Create abundance by creating something truly new. [23:30] The PayPal pre-history — Why long-running trust among teammates births more companies. [30:10] Early Facebook investment logic — College-only looked “small,” which was exactly the point. [32:03] Turning down $1B — The boardroom debate, optionality, and founder conviction. [36:23] Moats in practice — Picking the right advantage (and why brand alone is shaky). [37:06] Network effects ≠ virality — How value compounds after growth. [39:54] PayPal's wedge — eBay power-sellers and the $10 incentive as a growth accelerant. [41:22] Beware the “Chinese refrigerator” TAM slide — Start small, win big. [42:01] Uber vs. Airbnb — Investor bias and why some models get over- or undervalued. [44:18] Bubbles and the public — What changes across tech, housing, and today's “government bubble.” [48:00] War on cash & credit — Why Peter favors unlevered, opaque innovation over fixed income. [51:10] Biotech headwinds (and upside) — Regulation, Eroom's Law, and why sentiment can misprice breakthroughs. [53:50] Secrets — If you assume they exist, you'll be the one to find them. [57:56] Interdisciplinary bets — CS × biology; CS × transportation; why university silos miss the action. [59:51] Silicon Valley on HBO — The “Peter Gregory” caricature and what the show gets right. Additional Resources:Zero to One: Notes on Startups, or How to Build the Future (book) — Amazon hardcover. AmazonFounders Fund — Peter Thiel profile (bio & portfolio highlights). Founders Fund“PayPal Mafia” overview (alumni companies: YouTube, Yelp, LinkedIn, Tesla, SpaceX, Palantir, Yammer). WikipediaYahoo's 2006 $1B offer for Facebook (background reporting). Business InsiderEroom's Law (pharma R&D productivity; Nature Reviews Drug Discovery). NatureSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I am expecting to need to spend about $15k on home repairs before the end of the year and I'm trying to figure out the best way to come up with cash. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In today's Ask Allison, we're digging into how to evaluate group practice expenses—and whether what you're paying is actually worth it. We'll walk through how to assess return on investment, compare your rent or percentage to the real cost of going solo, and understand the tradeoffs that come with group practice support and infrastructure.   If you're trying to decide whether your group practice expense makes sense, should be renegotiated, or is a sign it's time to branch out on your own, this episode is for you. You'll learn how to evaluate the numbers clearly, ask better questions, and make decisions grounded in reality—not guesswork.   Sponsored by TherapyNotes®: Looking to switch EHRs? Try TherapyNotes® for 2 months free by using promo code ABUNDANT at therapynotes.com.    Links You'll Love: Grab my FREE weekly worksheet (plus other free tools to grow your practice) here: www.abundancepracticebuilding.com/links  Ready to fill your practice faster? Join the Abundance Party today and get 99% off your first month with promo code PODCAST: www.abundancepracticebuilding.com/abundanceparty

A theme that's dominated 2025 for me (and for many) has been price rises across many subscription-based platforms and services. My correspondence with companies has made clear that loyalty stands for very little. In fact, rather than being rewarded, longevity is increasingly exploited and monetised. In this episode of The Gentle Rebel Podcast, I share a year-in-review through the lens of price rises. The tipping point was an email from my podcast hosting company, Libsyn, announcing a 71 percent increase effective from January. It was the straw that broke this camel's back after a year of similar moves elsewhere. In the episode, I share exchanges with three companies that reveal how loyalty is no longer valued in itself, but engineered to extract profit from those of us who've become reliant on these platforms. https://youtu.be/qrmUSdGwcMs A Symptom of Enshittification Cory Doctorow describes the underlying trend as “Enshittification”, a form of platform decay visible in companies like Facebook, Amazon, Google, Apple, and Adobe. It's not a glitch, but a feature. Doctorow traces a familiar arc: platforms start by serving users well in order to grow. Once established, they pivot toward business customers, monetisation, and scale. Eventually, when users and businesses are sufficiently locked in, services are degraded for everyone so maximum value can be pulled out as quickly as possible. Disproportionate price rises are one symptom of this process, particularly in how companies treat long-standing customers. Lock-in is maintained through network effects (it's hard to leave when everyone else is still there), non-transferable data (your work can't easily be exported), and digital restrictions where purchases only function inside a single ecosystem. Music, books, films, and software are “owned” only as long as the platform allows it. In the name of convenience, we give ourselves over to these systems and become dependent on them. As the digital and physical worlds converge, this logic extends beyond apps and websites into cars, home devices, utilities, and infrastructure. At that point, this stops being a simple matter of consumer choice. Extraction is baked into the products themselves. We are quietly acclimatising to this new normal. It has crept in through corporate consolidation, weak enforcement of anti-trust legislation, and business models that no longer need to meaningfully consider customer relationships once a certain scale is reached. Abusing Trust, Need, and Loyalty Charlie Brooker has cited Enshittification as an influence on Common People, the opening episode of Black Mirror series seven. A couple sign up to a subscription-based medical intervention that escalates in cost, complexity, and dependency. Features are removed. Adverts are inserted. The stakes become existential. One particularly chilling moment sees Mike literally mutilating his own body for money via an OnlyFans-style platform, a stark symbolic image of how value is extracted from people once dependency is established. Price Rises for a “Valued Customer” Libsyn informed me they were raising the price of hosting A Quiet Night Inside No 9 by 71 percent. The justification was a familiar list of added features and growth opportunities, none of which were relevant to how we use the service. We don't want adverts or growth tools. We want reliable hosting and delivery. This exchange highlighted how much podcasting has changed since I joined Libsyn in 2009. Hosting platforms have increasingly positioned themselves as intermediaries between advertisers and podcasters. That relationship now takes precedence. Advertising is framed as a benefit to creators, while enabling hosts to raise prices and skim revenue from both usage fees and ad sales. Listeners, meanwhile, absorb longer ad breaks as the new normal. Is this stage two of Enshittification in the podcasting world? Note, I pledge never to put adverts on my audio podcasts. YouTube is the only exception, because Google inserts them regardless. ConvertKit and Paying for Features I Don't Want A similar logic played out with Kit, formerly ConvertKit. I chose it in 2016 because it was simple and reliable and have been a loyal user ever since. A price increase from $49 to $59 a month was justified by new automations and tools I didn't ask for or use. There is no way to opt out and pay less. The only concession offered was annual billing, which I pointed out mirrors poverty-tax logic: those without upfront capital pay more. Symptoms of a Failing Service Vimeo was the clearest example of platform decay from the inside. Storage rules changed midstream. Long-held assumptions were invalidated. Downgrading meant losing access to years of work. Retention efforts amounted to one-off discounts rather than meaningful alternatives. What stood out wasn't hostility, but indifference. Once a service reaches a certain size, individual relationships no longer seem to matter. Their response felt so extreme that I suspected deeper problems, which seemed to be confirmed when Bending Spoons acquired Vimeo in November. I'm glad I left when I did, though it's still inconvenient clearing up broken links and legacy embeds after fifteen years of use. WishList Member and a Different Choice Not all companies operate this way. WishList Member has honoured the price and feature set I signed up for over a decade ago. While new tiers exist, functionality hasn't been removed to force upgrades. This appears to be a deliberate choice, and it communicates something simple: long-term trust and loyalty matters more than short-term extraction. I’ll let you know if this situation changes… Growth Logic and the Limits of Choice It's tempting to frame all this as a moral failure, but it's structural. Growth-at-all-costs logic makes price rises, feature bloat, and lock-in almost inevitable. These companies aren't malfunctioning; they're functioning exactly as the system encourages them to. This also makes it risky to romanticise alternatives. Newer companies may simply be at an earlier stage of the same cycle. Google once promised “don't be evil”. Facebook positioned itself as a less invasive alternative to MySpace. Scale changes incentives. Meaningful change won’t come from individual consumer choices alone. Competition has been hollowed out, and escape routes are increasingly narrow. Doctorow provides a section of existing and potential solutions that can give us reasons for active hope. Have you felt the pinch of price hikes this year? Feel free to get in touch and share your experiences.

How do you stick to a budget in retirement without feeling restricted, anxious, or deprived, especially when the cost of living keeps rising? This week on Your Money Map, Jean Chatzky is joined by Tiffany Aliche, better known as The Budgetnista, to talk about what budgeting and financial security really look like in retirement today, and why the old rules don't always apply anymore. Why budgeting alone isn't always enough, and what does help How to think about spending in retirement without feeling deprived The case for lowering overhead before you stop working Paying off a mortgage vs. keeping a low-interest loan Hidden programs and benefits that activate later in life Tiffany's top three tips for anyone approaching retirement

In this episode of The Sidebar Podcast, Leise Winny and Royce deliver a true Christmas miracle of chaos, culture, and commentary. From watching the Diddy documentary and deciding once and for all that Mase won, to questioning why cartoons are disappearing and whether SpongeBob has been a victim all along, nothing is off limits.We get into sex as a “gift,” why people lose their minds when Black women run for office, and how society feels dangerously close to becoming the movie Idiocracy. Leise revisits her goth kid era, Royce unpacks white culture, and we pause to give flowers to Black horror legends who shaped the genre.Then we ask the fundamental questions: What changed Stephen A. Smith? Are podcasters actually the problem with society? And is Jake Paul really ready for Anthony Joshua?We close it out with football talk, TikTok trends, and a very Sidebar Christmas send-off.⏱️ TIMESTAMPS2:10 — Royce watched the Diddy documentary… Mase won4:40 — No more cartoons for kids + SpongeBob is a victim6:12 — Why do cartoons wear gloves?11:12 — Is sex a real gift?23:32 — Why people hate when Black women run for office33:42 — Are we living in the movie Idiocracy?36:06 — Goth kid Leise39:15 — White culture45:57 — Paying tribute to Black horror figures49:55 — What changed Stephen A. Smith?57:19 — Are podcasters the problem?1:07:25 — Jake Paul vs. Anthony Joshua fight talk1:11:35 — Football talk1:13:15 — TikTok flow1:17:00 — Happy Christmas

Brent Kesler explains infinite banking, how he paid off nearly $1M in debt, and why the wealthy recycle money using the Money Multiplier method.In this episode of RealDealChat, Jack Hoss welcomes back Brent Kesler, founder of The Money Multiplier, to break down one of the most misunderstood wealth strategies in real estate and investing: infinite banking.Brent shares how he and his wife eliminated $984,711 of third-party debt in just 39 months—without changing cash flow, working harder, or taking on more risk. He explains how specially designed whole life policies allow investors to recycle and recapture money they're already spending, turning expenses into long-term wealth.The conversation covers the origins of the infinite banking concept (Nelson Nash), why many advisors misunderstand it, how real estate investors use it to fund deals repeatedly, and why mindset traps like Arrival Syndrome and Parkinson's Law keep people broke.If you want a proven system the wealthy have used for over 250 years—and a way to fund real estate without losing control of your money—this episode delivers clarity and conviction.

Is Troy Balderson's new law a gift to electric utilities at the expense of Ohioans? Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we're thrilled to welcome back our friend and financial expert Bill Bernstein for a thoughtful conversation about what it really means to "stop playing when you win the game." We dig into the idea of "enough," how to know when you've reached it, and what changes—financially and emotionally—once you have. This episode offers a candid look at life after reaching your goals and how to invest, plan, and live with greater intention once the game is won. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #450 02:52 Bill Bernstein Interview 04:20 When you Win the Game, Stop Playing 32:30 Small Value Tilting 35:32 Once You Have "Enough" 41:00 100% Equities?

Money, Happiness, and the Race You're Actually Running as a Clinic Owner Episode Overview In this episode, Danny shares his favorite book of the year — The Art of Spending Money by Morgan Housel — and why it hit so hard as a cash-based business owner. He breaks down how money, attention, and expectations shape your happiness, why comparison quietly wrecks clinic owners, and how to use your business as a vehicle for the life you actually want instead of letting it become your whole identity. Key Topics Covered Why money mindset is such a big problem in the PT profession Why Danny recommends Morgan Housel's books to clinic owners "May I Have Your Attention Please?" – how attention drives happiness The danger of comparing your clinic to someone else's revenue Context you never see behind other people's success "The Happiest People I Know" – business as vehicle vs. business as life Trading time for money vs. protecting what matters most Lifestyle creep and constantly moving the goalposts Defining the race you're running and saying no on purpose Why "no thank you" money is real wealth Book Recommendation: The Art of Spending Money Danny highlights The Art of Spending Money by Morgan Housel as his favorite book of the year and a perfect follow-up to Housel's earlier book, The Psychology of Money. While the title sounds like a pure finance book, Danny and his wife both felt it's really about: How you make decisions around money How those decisions impact your happiness and contentment How self-awareness around money affects your quality of life For clinic owners, it's especially relevant because you're: Charging for your own services Paying staff and managing payroll Using money as a tool for growth, security, and freedom Attention, Comparison, and Feeling Miserable Danny breaks down a section from the book called "May I Have Your Attention Please?", which focuses on how your attention influences your happiness. Example: Your clinic is doing ~$500k a year. You're profitable, love your niche, and like your team and culture. Then you meet another owner doing $2M a year. If you put all your attention on that comparison, you go from proud to deflated in seconds: "I'm behind." "I must be doing something wrong." But you have no idea: What advantages they had going in (investors, family help, safety nets) What trade-offs they made (health, marriage, time with kids) Whether they'd actually trade lives with you If they're at $2M but wrecked their health and relationships, while you're at $500k with strong health and a solid home life, who's really winning? It depends on your values. The point: if you want to stay miserable, keep comparing yourself to everyone else. Business as Vehicle vs. Business as Your Whole Life Danny then shifts to another section: "The Happiest People I Know." The big idea: Your business should be the vehicle that supports the life you want. Most owners accidentally let the business become their life. He gives a simple comparison: Owner A: Works 60 hours/week, makes $300k. Owner B: Works 30 hours/week, makes $200k. Neither is right or wrong. It depends on your season of life and what you value more: extra money or extra time. Questions to ask: Do I want the extra $100k badly enough to trade 30 more hours a week? What am I saying "no" to when I say "yes" to more growth? Is this growth actually changing my life in a meaningful way? Lifestyle Creep and Moving the Goalposts Danny explains how success usually comes with two hidden traps: Lifestyle creep: As you earn more, your spending grows to match. Constantly moving the goalposts: Every time you hit one target, you immediately raise the bar. Result: you feel like you always have to keep saying yes to more growth, more risk, and more time in the business just to sustain a lifestyle you drifted into. Instead, he challenges clinic owners to: Define a clear income and lifestyle goal on purpose. Live below that level even as income grows. Build "no thank you" money – enough margin to say no to opportunities that don't fit. Run Your Own Race Danny uses a running analogy he often shares with PT Biz clients: If you're running a 10K and someone else is running a marathon, your paces and training look different. You can't compare your numbers and expect them to match. In business: Some owners just want one great clinic that they keep for decades. Others want a multi-location platform they eventually sell. Neither is better. But if you don't know which race you're running, you'll: Say yes to things that pull you away from what matters most. End up living a life you never intentionally chose. Big Takeaways Money is a tool, not a scoreboard. Your attention determines how happy or miserable you feel about your progress. Success without alignment can feel like a trap. Define your race, your goals, and your trade-offs on purpose. Real wealth is the ability to say "no" and still be fine. Free Resources from PT Biz PT Biz Part-Time to Full-Time 5-Day Challenge: Get crystal clear on how much you need to replace, how many patients you need to see, and what to charge so you can go full time in your practice. physicaltherapybiz.com/challenge Book a Free Discovery Call: Talk with a PT Biz advisor about your clinic, your goals, and the race you actually want to run. Book your discovery call Try Clair, the AI Scribe for PTs: Offload documentation so you can focus on patients and protect your time. meetclair.ai Connect with PT Biz Official Website Podcast: PT Entrepreneur Podcast

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

A lot of pelvic health business owners are just surviving.They're working hard.  Seeing patients.  Paying the rent and bills, with maybe a bit left over for themselves.  But surviving isn't why most people started a practice.In this episode, we talk about what it actually means to thrive as a business owner—and why the success you want is often on the other side of the work you've been avoiding.We walk through the five core areas we see in truly thriving practices:Financial confidenceLifestyle and time freedomClinical excellenceDaily enjoymentCommunity impactWe also discuss why willpower alone rarely gets people there, why grinding harder often backfires, and how getting the right support can completely change the trajectory of your business.If you've ever felt stuck between “it's fine” and “this isn't what I imagined,” this episode will give you clarity—and a framework to think differently about what's next.

The Break Room (THURSDAY 12/18/25) 8am Hour 1) There's a reason this fantasy should STAY a fantasy. 2) Paying extra for nostalgia 3) A neighborhood known for lights

In this episode of Run the Numbers, CJ Gustafson sits down with Larry Contrella, General Partner at JMI Equity, to unpack how JMI invests in software without financial engineering or roll-up strategies. Larry explains how the firm builds conviction through founder relationships, long-term partnership, and a product-and-brand-first view of durable growth. They discuss how JMI supports companies through scaling, why operating partners keep returning, and how underwriting looks different in mission-driven sectors like K–12 and nonprofit tech where customers are schools and communities, not Fortune 500s. Larry's background as a competitive runner at Penn ties the conversation together with a clear ethos: patience, discipline, and playing the long game.—SPONSORS:Mercury is business banking built for builders, giving founders and finance pros a financial stack that actually works together. From sending wires to tracking balances and approving payments, Mercury makes it simple to scale without friction. Join the 200,000+ entrepreneurs who trust Mercury and apply online in minutes at https://www.mercury.comRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit https://www.rightrev.com and schedule a demo.Tipalti automates the entire payables process—from onboarding suppliers to executing global payouts—helping finance teams save time, eliminate costly errors, and scale confidently across 200+ countries and 120 currencies. More than 5,000 businesses already trust Tipalti to manage payments with built-in security and tax compliance. Visit https://www.tipalti.com/runthenumbers to learn more.Aleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalised demo at https://www.getaleph.com/runFidelity Private Shares is the all-in-one equity management platform that keeps your cap table clean, your data room organized, and your equity story clear—so you never risk losing a fundraising round over messy records. Schedule a demo at https://www.fidelityprivateshares.com and mention Mostly Metrics to get 20% off.Sage Intacct is a cloud financial management platform that replaces spreadsheets, automates workflows, and keeps your books audit-ready as you scale. It unifies accounting, ERP, and real-time reporting for finance, retail, logistics, tech, and professional services. With payback in under six months and up to 250% ROI, and eight years as the customer-satisfaction leader, Sage Intacct helps you take control of your growth: https://bit.ly/3Kn4YHt—LINKS:Larry on LinkedIn: https://www.linkedin.com/in/larry-contrella-160a8a25/JMI Equity: https://www.jmi.com/CJ on LinkedIn: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:Is taking a company public even worth it? | Fullstory's Chad Goldhttps://youtu.be/zSD8y9dr4VgSo You're Looking for a “Strategic” CFO? Bloomerang's Steve Isom on What That Really Meanshttps://youtu.be/cgHOtvG1Ces—TIMESTAMPS:00:00:00 Preview and Intro00:02:49 Sponsors — Mercury | RightRev | Tipalti00:06:41 Joining the JMI Conversation00:07:13 College Running and Team Dynamics00:08:13 New York Marathon Story and Career Intersection00:11:04 Competitive Drive and Patience With Founders00:12:54 Building Long-Term Partnerships and Underwriting Credibility00:15:27 Growth Equity as a Long Sales Cycle00:15:48 Sponsors — Aleph | Fidelity Private Shares | Sage Intacct00:18:44 Fund Planning, Deal Pacing, and Board Commitments00:20:59 Sourcing Philosophy and Developing Investors Over Time00:22:09 Hustle as the Only Sustainable Edge in Sourcing00:24:14 Early Sourcing Tactics and Information Arbitrage00:26:06 Reputation, Experience, and Breaking Into Competitive Deals00:29:42 Organic Growth Over Roll-Ups and M&A Discipline00:32:51 Brand, Product Leadership, and Paying for the Best Businesses00:33:29 Bloomerang and Brand-Led Growth in Nonprofit Software00:34:46 Why JMI Operators Keep Coming Back00:36:28 Collaborative Leadership and Giving Constructive Advice00:38:20 Using Data Without Slowing Decisions00:39:20 Transparency, Alignment, and Knowing Where You Stand00:40:31 Why JMI Invests in K–12 and EdTech00:42:07 Mission-Driven Businesses and Talent Advantage00:43:24 Monetization Models in Nonprofit SaaS00:45:40 Conviction Bets and Product-Market Fit Stories00:48:49 Rethinking TAM and Expanding Markets Over Time00:50:40 Lightning Round: Sourcing Stories and Lessons00:52:58 Traits of Great Founders and Changing Beliefs00:54:20 Closing Thoughts and Outro#RunTheNumbersPodcast #GrowthEquity #B2BSoftware #FounderRelationships #PrivateEquity This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cjgustafson.substack.com

Are you stuck in a high-paying job you secretly hate?Do you feel successful on paper — but exhausted, trapped, and unfulfilled inside?You may be wearing Golden Handcuffs… and in this video, I show you exactly how to break free without burning your life down.In this episode, I break down:✔ What “Golden Handcuffs” really mean (and why it's not just about money)✔ Why high achievers feel trapped in successful careers✔ The hidden cost of staying too long — burnout, health, relationships & confidence✔ The Golden Handcuffs Escape Plan you can start using today✔ How to rebuild your confidence and rediscover your transferable skills✔ Real client success stories proving career freedom is possible✔ What to do when fear and responsibilities feel overwhelmingWhether you're a high-earning professional, executive, manager, or ambitious leader who feels stuck in a career that no longer fits — this episode will give you clarity, confidence, and your next right move.

6:00 - Jeremy and Nate Geary break down the current land scape of paying NFL quarterbacks.

Hour 1 in full

$MU earnings surprised me. Again - earnings for AI are REALLY good. But the spending continues to bring the market down. Plus these 2 REITS will pay you to start out 2026 - solid plays found using scanners. THESE SALES END SOON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRENDSPIDER HOLIDAY SALE - Get 52 trainings for the next year at 68% off. Become a Trendspider master! ⁠⁠⁠⁠⁠⁠SEEKING ALPHA BUNDLE - Save over $100 and get Premium and Alpha Picks together ⁠⁠⁠⁠⁠⁠ALPHA PICKS - Want to Beat the S&P? Save $50 ⁠⁠⁠⁠⁠⁠Seeking Alpha Premium - FREE 7 DAY TRIAL ⁠⁠⁠⁠⁠⁠SEEKING ALPHA PRO - TRY IT FOR A MONTH ⁠⁠⁠EPISODE SUMMARY

I'm sitting here in front of two of my favorite items that I don't get to use often enough. More on that in emails. But the thing I think is important and useful for you today is two things that you need to master. Really really really just two things you need to master. They're big things but you do need to master them.   And one of those two things is you have to learn to master self. Self is the physical self. Paying attention, having awareness, having understanding of what to do, when to do it, and how to solve it. Really, self is learning a lot about what your human form, your body, is capable of or not capable of and what you can do about it. That's a big part of self. That's physical.   Mental. How do you think? Are you a more positive thinker? Are you a more negative thinker? That's huge. It's really huge. Are you too positive? I call it happy happying. You can't happy your way into everything being fine, but you can be more optimistic.   Three: physical, mental, emotional. What is your emotional? Emotional is how you respond, how you react, and how you adapt. Respond, react, and adapt. And emotional is going to tie into the physical and it's going to tie into the mental. And the emotional is the thing that we are taught really the least about. I mean, think about it. Therapy is one of the biggest industries these days. People on medication for their emotional state is one of the biggest industries in pharmaceuticals at least here in the United States. And that's a huge issue. We have to learn how to deal with our emotions if we're going to take another step forward.   So that's physical, mental, emotional, spiritual. We have to have our own spiritual ideas and bent no matter where you are in your journey. I've had every type of spiritual, high level spiritual person that I have worked with to help them grow or expand their offering. And one of them I helped build a community from a few hundred to 500,000. So physical, mental, emotional, spiritual. And that person was very spiritual.   Physical, mental, emotional, spiritual, relational. How do you relate? Do you communicate or do you keep everything inside, stored up and just a mess? Because relational is what you do to others, for others in your mind, and when you speak and when you write and when you interact with social media.   So you've got physical, mental, emotional, spiritual, relational, and then you've got financial. I tend to focus on the financial because I can have a giant impact there when I work with people. But your financial is a result of physical, mental, emotional, spiritual, relational. Your financial is always a result of those things working into an alignment to an end result. Some people will say, "Oh, it's about vibration." Some people will say it's about whatever.   So those are the physical, mental, emotional, spiritual, relational, financial. Six areas. And that's mastery.   Now, there's one other piece of mastery that's essential that I talk about and teach about and share about and preach about, which is energy. And I'm not talking about the energy out here. And I'm not talking about frequency. I'm talking about the energy you have inside here that radiates outside here that somebody can feel, that you can feel around somebody else. Those two things, if you match yourself and energy, will radically shift your entire way of being.   I thought that would be useful for you today. And one of the things to work on is to pay attention to the areas that you're having difficulty with. If you need some recommendations, reach out to me and let's have a conversation or I can send you a link to something really cool.   Follow & Let's Get in Touch!   Official Links Website: https://sheevaunmoran.com/ Conference: http://epiclifesuccesssummit.com Blog: https://blog.sheevaunmoran.com/   Let's Connect on Social Media Twitter:   / sheevaun   LinkedIn:   / sheevaunmoran   Facebook:    / sheevaunmoran   Instagram:   / sheevaunmoran    

12.17.25 Hour 2 1:00- Brock Vereen from the BIG 10 network joins G&D to discuss JMU's chances plus the overall seedings and how it played out. 23:00- Laremy Tunsil is set for a BIG pay day here, and he has to be the #1 priority for the Commanders this offseason. 36:00- What's going on in our lives that has nothing to do with sports?

Laremy Tunsil is set for a BIG pay day here, and he has to be the #1 priority for the Commanders this offseason.

Hour 1 Need to honor Kyle Whittingham legacy no matter what Utah Jazz CEO Danny Ainge Hour 2 BYU head coach Kalani Sitake Good, Bad & Ugly Whole World News Hour 3 Las Vegas Bowl | Pop-Tarts Bowl Sports Roulette

Nick Reiner hires criminal lawyer and innocence fraudster Alan Jackson to defend him. Who is paying for his defense? Today's court appearence for Reiner was cancelled over “medical” issues. Also, more information about the accused killer's behavior and crime scene is released. Let's talk about it!Get access to exclusive content & support the podcast by a Patron today! https://patreon.com/robertaglasstruecrimereportThrow a tip in the tip jar! https://buymeacoffee.com/robertaglassSupport Roberta by sending a donation via Venmo. https://venmo.com/robertaglassBecome a chanel member for custom Emojis, first looks and exclusive streams here: https://youtube.com/@robertaglass/join Thank you Patrons!Beth, Shelley Safford, Carol Mumumeci, Therese Tunks, JC, Lizzy D, Elizabeth Drake, Texas Mimi, Barb, Deborah Shults, Ratliff, Stephanie Lamberson, Maryellen Sudol, Mona, Karen Pacini, Jen Buell, Marie Horton, ER, Rosie Grace, B. Rabbit, Sally Merrick, Amanda D, Mary B, Mrs Jones, Amy Gill, Eileen, Wesley Loves Octoberfest, Erin (Kitties1993), Anna Quint, Cici Guteriez, Sandra Loves GatsbyHannna, Christy, Jen Buell, Elle Solari, Carol Cardella, Jennifer Harmon, DoxieMama65, Carol Holderman, Joan Mahon, Marcie Denton, Rosanne Aponte, Johnny Jay, Jude Barnes, JenTheRN, Victoria Devenish, Jeri Falk, Kimberly Lovelace, Penni Miller, Jil, Janet Gardner, Jayne Wallace (JaynesWhirled), Pat Brooks, Jennifer Klearman, Judy Brown, Linda Lazzaro, Suzanne Kniffin, Susan Hicks, Jeff Meadors, D Samlam, Pat Brooks, Cythnia, Bonnie Schoeneman-Dilley, Diane Larsen, Mary, Kimberly Philipson, Cat Stewart, Cindy Pochesci, Kevin Crecy, Renee Chavez, Melba Pourteau, Julie K Thomas, Mia Wallace, Stark Stuff, Kayce Taylor, Alice, Dean, GiGi5, Jennifer Crum, Dana Natale, Bewildered Beauty, Pepper, Joan Chakonas, Blythe, Pat Dell, Lorraine Reid, T.B., Melissa, Victoria Gray Bross, Toni Woodland, Danbrit, Kenny Haines and Toni Natalie

Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they're still spending like nothing changed, running up credit card debt and ending each month wondering where the money went. Jamie, the higher earner, is anxious about retirement and trust after years of financial surprises, while Ryan avoids money conversations and struggles with insecurity. Layered on top are a 10-year age gap, deep past trauma, and very different visions of a Rich Life. Can Ramit help them rebuild trust, create a real plan, and finally start acting like partners instead of adversaries? In this episode we uncover: • The moment Jamie learned Ryan quit his high-paying job and cashed out his 401(k) • How Ryan's breaking point at work led to a “nuclear option” decision that shifted stress from the office straight into their marriage Why earning nearly $300K still leaves them feeling broke • The trust fallout from repeated unilateral decisions, including quitting jobs, cashing out retirement accounts, and impulsive purchases • How Ryan's spending on shoes, clothes, and even a classic car mirrors patterns he watched growing up • Jamie's role as the default financial manager • The vacation-vs-things blame cycle that keeps them stuck spending instead of saving • Why hiding money in a separate savings account felt like the only way Jamie could protect their future • The uncomfortable truth behind their $13K emergency fund • How calling their own spending “stupid” and “dumb” keeps them trapped in shame instead of change • The emotional toll of living in constant financial vigilance while still spending freely on convenience and comfort • How a failed $500 spending rule exposed their lack of shared systems • The powerful influence of Midwestern money guilt, family secrecy, and conflicting childhood money messages • Jamie's past divorce and financial trauma • The shift from adversaries to collaborators Chapters: (00:00:00) “We'll just go our separate ways” (00:18:56) Ramit breaks down their numbers (00:40:49) “Smart people can make stupid choices” (00:52:26) “Can we become a team again?” (01:02:09) “Is this a Rich Life—or just a really long to-do list?” (01:14:36) “You've turned dysfunction into permission” (01:28:57) “I'm bitter that I have to pay it off” (01:39:21) Where are they now? Jamie and Ryan's follow-ups This episode is brought to you by: Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping. Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

The State of Presales and Demo Technologies, and What's Coming in 2026 In this episode, Jack Cochran and Matthew James are joined by Justin McDonald, Co-founder and CEO of Saleo, to discuss how demo automation technology is transforming the presales landscape. They explore the evolution of presales over the past 20 years, the hidden costs of demo preparation (the "demo tax"), and how AI is revolutionizing how solutions engineers create and personalize demonstrations. Justin shares insights on building relational capital, the importance of in-person meetings, and why the future of presales lies in leveraging technology to spend more quality time with buyers. Thank you to Saleo for sponsoring this episode! Visit Saleo.io to learn more. Follow Us Connect with Jack Cochran: https://www.linkedin.com/in/jackcochran/ Connect with Matthew James: https://www.linkedin.com/in/matthewyoungjames/ Connect with Justin McDonald: https://www.linkedin.com/in/justin-mcdonald-21a3aa6/  Links and Resources Mentioned Join Presales Collective Slack: https://www.presalescollective.com/slack Saleo: https://saleo.io/ Mockaroo (dummy data generator): https://mockaroo.com/ Timestamps 00:00 Welcome 04:24 How has presales evolved over 20 years 09:20 Demo tax 13:37 The importance of in-person meetings 15:55 Breaking down the demo tax components 24:47 AI and Demo Data Agents 26:42 Trends reshaping presales in 2026 Key Topics Covered The Evolution of Presales Technology From manual data creation with tools like Mockaroo to automated demo environments The rise of presales as a respected profession with executive leadership Shift from multi-week prep and constant travel to efficient Zoom-based demos The Demo Prep Tax Multiple departments impacted: DevOps, product, engineering, and SEs Hard dollar costs: hosting demo tenants can cost millions at scale Demo data degradation: perfectly prepared demos degrade over time SE time is expensive, and hours spent on manual data preparation adds up Building Relational Capital Only 17% of sales time is spent with buyers (even less for presales) In-person interactions unlock opportunities that Zoom calls cannot EQ and relationship-building will separate good from great in the age of AI AI-Powered Demo Automation Demo Data Agent: generates personalized demo data with a single prompt Token-based customization for industry, vertical, and use case adaptation Data injection technology allows real-time demo personalization The Future of Presales AI will expand automation across the entire sales cycle Agentic and asynchronous AI tools will support SEs 24/7 SEs won't be replaced, their time will be used differently The demo data is the story: great storytelling requires great demo data