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In today's episode, we explore consumers' use of agentic AI in their financial lives, and the development of stablecoin payment rails becoming “bank grade” in 2026. Join the discussion with host and Head of Business Development Rob Rubin, and Senior Analysts Grace Broadbent and Myra Thomas. Subscribe to EMARKETER's newsletters. Go to: https://www.emarketer.com/newsletters Follow us on Instagram at: https://www.instagram.com/emarketer/ For sponsorship opportunities contact us: advertising@emarketer.com For more information visit: https://www.emarketer.com/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.emarketer.com/content/podcast-welcome-2026-ai-agents-manage-money-bank-grade-stablecoin-economy-banking-payments-show © 2025 EMARKETER Campaigns take flight with Viasat Ads. Unlock access to over 250 million passengers annually across leading global airlines, with high-engagement ad formats and real-time delivery. Viasat Ads provides access to a verified audience in a captive environment, so your message reaches passengers when they are ready to engage. Join their journey with Viasat Ads.

Original Release Date: November 13, 2025Live from Morgan Stanley's European Tech, Media and Telecom Conference in Barcelona, our roundtable of analysts discusses tech disruptions and datacenter growth, and how Europe factors in.Read more insights from Morgan Stanley.----- Transcript -----Paul Walsh: Welcome to Thoughts on the Market. I'm Paul Walsh, Morgan Stanley's European Head of Research Product. Today we return to my conversation with Adam Wood. Head of European Technology and Payments, Emmet Kelly, Head of European Telco and Data Centers, and Lee Simpson, Head of European Technology. We were live on stage at Morgan Stanley's 25th TMT Europe conference. We had so much to discuss around the themes of AI enablers, semiconductors, and telcos. So, we are back with a concluding episode on tech disruption and data center investments. It's Thursday the 13th of November at 8am in Barcelona. After speaking with the panel about the U.S. being overweight AI enablers, and the pockets of opportunity in Europe, I wanted to ask them about AI disruption, which has been a key theme here in Europe. I started by asking Adam how he was thinking about this theme. Adam Wood: It's fascinating to see this year how we've gone in most of those sectors to how positive can GenAI be for these companies? How well are they going to monetize the opportunities? How much are they going to take advantage internally to take their own margins up? To flipping in the second half of the year, mainly to, how disruptive are they going to be? And how on earth are they going to fend off these challenges? Paul Walsh: And I think that speaks to the extent to which, as a theme, this has really, you know, built momentum. Adam Wood: Absolutely. And I mean, look, I think the first point, you know, that you made is absolutely correct – that it's very difficult to disprove this. It's going to take time for that to happen. It's impossible to do in the short term. I think the other issue is that what we've seen is – if we look at the revenues of some of the companies, you know, and huge investments going in there. And investors can clearly see the benefit of GenAI. And so investors are right to ask the question, well, where's the revenue for these businesses? You know, where are we seeing it in info services or in IT services, or in enterprise software. And the reality is today, you know, we're not seeing it. And it's hard for analysts to point to evidence that – well, no, here's the revenue base, here's the benefit that's coming through. And so, investors naturally flip to, well, if there's no benefit, then surely, we should focus on the risk. So, I think we totally understand, you know, why people are focused on the negative side of things today. I think there are differences between the sub-sectors. I mean, I think if we look, you know, at IT services, first of all, from an investor point of view, I think that's been pretty well placed in the losers' buckets and people are most concerned about that sub-sector… Paul Walsh: Something you and the global team have written a lot about. Adam Wood: Yeah, we've written about, you know, the risk of disruption in that space, the need for those companies to invest, and then the challenges they face. But I mean, if we just keep it very, very simplistic. If Gen AI is a technology that, you know, displaces labor to any extent – companies that have played labor arbitrage and provide labor for the last 20 - 25 years, you know, they're going to have to make changes to their business model. So, I think that's understandable. And they're going to have to demonstrate how they can change and invest and produce a business model that addresses those concerns. I'd probably put info services in the middle. But the challenge in that space is you have real identifiable companies that have emerged, that have a revenue base and that are challenging a subset of the products of those businesses. So again, it's perfectly understandable that investors would worry. In that context, it's not a potential threat on the horizon. It's a real threat that exists today against certainly their businesses. I think software is probably the most interesting. I'd put it in the kind of final bucket where I actually believe… Well, I think first of all, we certainly wouldn't take the view that there's no risk of disruption and things aren't going to change. Clearly that is going to be the case. I think what we'd want to do though is we'd want to continue to use frameworks that we've used historically to think about how software companies differentiate themselves, what the barriers to entry are. We don't think we need to throw all of those things away just because we have GenAI, this new set of capabilities. And I think investors will come back most easily to that space. Paul Walsh: Emmet, you talked a little bit there before about the fact that you haven't seen a huge amount of progress or additional insight from the telco space around AI; how AI is diffusing across the space. Do you get any discussions around disruption as it relates to telco space? Emmet Kelly: Very, very little. I think the biggest threat that telcos do see is – it is from the hyperscalers. So, if I look at and separate the B2C market out from the B2B, the telcos are still extremely dominant in the B2C space, clearly. But on the B2B space, the hyperscalers have come in on the cloud side, and if you look at their market share, they're very, very dominant in cloud – certainly from a wholesale perspective. So, if you look at the cloud market shares of the big three hyperscalers in Europe, this number is courtesy of my colleague George Webb. He said it's roughly 85 percent; that's how much they have of the cloud space today. The telcos, what they're doing is they're actually reselling the hyperscale service under the telco brand name. But we don't see much really in terms of the pure kind of AI disruption, but there are concerns definitely within the telco space that the hyperscalers might try and move from the B2B space into the B2C space at some stage. And whether it's through virtual networks, cloudified networks, to try and get into the B2C space that way. Paul Walsh: Understood. And Lee maybe less about disruption, but certainly adoption, some insights from your side around adoption across the tech hardware space? Lee Simpson: Sure. I think, you know, it's always seen that are enabling the AI move, but, but there is adoption inside semis companies as well, and I think I'd point to design flow. So, if you look at the design guys, they're embracing the agentic system thing really quickly and they're putting forward this capability of an agent engineer, so like a digital engineer. And it – I guess we've got to get this right. It is going to enable a faster time to market for the design flow on a chip. So, if you have that design flow time, that time to market. So, you're creating double the value there for the client. Do you share that 50-50 with them? So, the challenge is going to be exactly as Adam was saying, how do you monetize this stuff? So, this is kind of the struggle that we're seeing in adoption. Paul Walsh: And Emmet, let's move to you on data centers. I mean, there are just some incredible numbers that we've seen emerging, as it relates to the hyperscaler investment that we're seeing in building out the infrastructure. I know data centers is something that you have focused tremendously on in your research, bringing our global perspectives together. Obviously, Europe sits within that. And there is a market here in Europe that might be more challenged. But I'm interested to understand how you're thinking about framing the whole data center story? Implications for Europe. Do European companies feed off some of that U.S. hyperscaler CapEx? How should we be thinking about that through the European lens? Emmet Kelly: Yeah, absolutely. So, big question, Paul. What… Paul Walsh: We've got a few minutes! Emmet Kelly: We've got a few minutes. What I would say is there was a great paper that came out from Harvard just two weeks ago, and they were looking at the scale of data center investments in the United States. And clearly the U.S. economy is ticking along very, very nicely at the moment. But this Harvard paper concluded that if you take out data center investments, U.S. economic growth today is actually zero. Paul Walsh: Wow. Emmet Kelly: That is how big the data center investments are. And what we've said in our research very clearly is if you want to build a megawatt of data center capacity that's going to cost you roughly $35 million today. Let's put that number out there. 35 million. Roughly, I'd say 25… Well, 20 to 25 million of that goes into the chips. But what's really interesting is the other remaining $10 million per megawatt, and I like to call that the picks and shovels of data centers; and I'm very convinced there is no bubble in that area whatsoever.So, what's in that area? Firstly, the first building block of a data center is finding a powered land bank. And this is a big thing that private equity is doing at the moment. So, find some real estate that's close to a mass population that's got a good fiber connection. Probably needs a little bit of water, but most importantly needs some power. And the demand for that is still infinite at the moment. Then beyond that, you've got the construction angle and there's a very big shortage of labor today to build the shells of these data centers. Then the third layer is the likes of capital goods, and there are serious supply bottlenecks there as well.And I could go on and on, but roughly that first $10 million, there's no bubble there. I'm very, very sure of that. Paul Walsh: And we conducted some extensive survey work recently as part of your analysis into the global data center market. You've sort of touched on a few of the gating factors that the industry has to contend with. That survey work was done on the operators and the supply chain, as it relates to data center build out. What were the key conclusions from that? Emmet Kelly: Well, the key conclusion was there is a shortage of power for these data centers, and… Paul Walsh: Which I think… Which is a sort of known-known, to some extent. Emmet Kelly: it is a known-known, but it's not just about the availability of power, it's the availability of green power. And it's also the price of power is a very big factor as well because energy is roughly 40 to 45 percent of the operating cost of running a data center. So, it's very, very important. And of course, that's another area where Europe doesn't screen very well.I was looking at statistics just last week on the countries that have got the highest power prices in the world. And unsurprisingly, it came out as UK, Ireland, Germany, and that's three of our big five data center markets. But when I looked at our data center stats at the beginning of the year, to put a bit of context into where we are…Paul Walsh: In Europe… Emmet Kelly: In Europe versus the rest. So, at the end of [20]24, the U.S. data center market had 35 gigawatts of data center capacity. But that grew last year at a clip of 30 percent. China had a data center bank of roughly 22 gigawatts, but that had grown at a rate of just 10 percent. And that was because of the chip issue. And then Europe has capacity, or had capacity at the end of last year, roughly 7 to 8 gigawatts, and that had grown at a rate of 10 percent. Now, the reason for that is because the three big data center markets in Europe are called FLAP-D. So, it's Frankfurt, London, Amsterdam, Paris, and Dublin. We had to put an acronym on it. So, Flap-D. Good news. I'm sitting with the tech guys. They've got even more acronyms than I do, in their sector, so well done them. Lee Simpson: Nothing beats FLAP-D. Paul Walsh: Yes. Emmet Kelly: It's quite an achievement. But what is interesting is three of the big five markets in Europe are constrained. So, Frankfurt, post the Ukraine conflict. Ireland, because in Ireland, an incredible statistic is data centers are using 25 percent of the Irish power grid. Compared to a global average of 3 percent.Now I'm from Dublin, and data centers are running into conflict with industry, with housing estates. Data centers are using 45 percent of the Dublin grid, 45. So, there's a moratorium in building data centers there. And then Amsterdam has the classic semi moratorium space because it's a small country with a very high population. So, three of our five markets are constrained in Europe. What is interesting is it started with the former Prime Minister Rishi Sunak. The UK has made great strides at attracting data center money and AI capital into the UK and the current Prime Minister continues to do that. So, the UK has definitely gone; moved from the middle lane into the fast lane. And then Macron in France. He hosted an AI summit back in February and he attracted over a 100 billion euros of AI and data center commitments. Paul Walsh: And I think if we added up, as per the research that we published a few months ago, Europe's announced over 350 billion euros, in proposed investments around AI. Emmet Kelly: Yeah, absolutely. It's a good stat. Now where people can get a little bit cynical is they can say a couple of things. Firstly, it's now over a year since the Mario Draghi report came out. And what's changed since? Absolutely nothing, unfortunately. And secondly, when I look at powering AI, I like to compare Europe to what's happening in the United States. I mean, the U.S. is giving access to nuclear power to AI. It started with the three Mile Island… Paul Walsh: Yeah. The nuclear renaissance is… Emmet Kelly: Nuclear Renaissance is absolutely huge. Now, what's underappreciated is actually Europe has got a massive nuclear power bank. It's right up there. But unfortunately, we're decommissioning some of our nuclear power around Europe, so we're going the wrong way from that perspective. Whereas President Trump is opening up the nuclear power to AI tech companies and data centers. Then over in the States we also have gas and turbines. That's a very, very big growth area and we're not quite on top of that here in Europe. So, looking at this year, I have a feeling that the Americans will probably increase their data center capacity somewhere between – it's incredible – somewhere between 35 and 50 percent. And I think in Europe we're probably looking at something like 10 percent again. Paul Walsh: Okay. Understood. Emmet Kelly: So, we're growing in Europe, but we're way, way behind as a starting point. And it feels like the others are pulling away. The other big change I'd highlight is the Chinese are really going to accelerate their data center growth this year as well. They've got their act together and you'll see them heading probably towards 30 gigs of capacity by the end of next year. Paul Walsh: Alright, we're out of time. The TMT Edge is alive and kicking in Europe. I want to thank Emmett, Lee and Adam for their time and I just want to wish everybody a great day today. Thank you.(Applause) That was my conversation with Adam, Emmett and Lee. Many thanks again to them. Many thanks again to them for telling us about the latest in their areas of research and to the live audience for hearing us out. And a thanks to you as well for listening. Let us know what you think about this and other episodes by living us a review wherever you get your podcasts. And if you enjoy listening to Thoughts on the Market, please tell a friend or colleague about the podcast today.

On today's episode, Dr. Mark Costes sits down with longtime friend and CPA Chris Sands to unpack one of the most overlooked expenses in dental practices—credit card processing fees. In this insightful interview, recorded in the brand-new DSI studio, Chris shares why he co-founded Crown Card Services after noticing rising, unregulated merchant fees across hundreds of dental clients in his accounting firm.  He breaks down exactly how merchant processors operate, why "price creep" is so common, and how practices can save tens or even hundreds of thousands annually with the right setup. Mark and Chris also explore PCI compliance junk fees, legally implementing surcharges, integration myths, and why poor merchant service can directly impact your revenue. If you're looking to improve margins, grow your practice value, or just understand the back-end of your collections a bit better, this episode is packed with actionable gems. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://crowncardservices.com https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Eric Cook, better known as “Eric the Car Guy.” Eric shares the story of his unconventional journey from art school to becoming a master technician and influential automotive content creator. The conversation explores changes in the automotive industry, the importance of shop culture and technician respect, and the challenges both technicians and shop owners face as they adapt to evolving technology and business demands.00:00 "From Acura to Video Editing"08:42 "Humbled by Fans' Support"13:18 "Rediscovering Connection Through Creation"16:03 "Grace in Growth and Leadership"23:30 "Valuing Skilled Labor and Adaptability"28:21 "Value of Skilled Tire Workers"32:21 "Tech Advances Will Raise Job Value"40:37 "Human Error vs. Robotics"44:26 "Modern Paths to Auto Careers"53:27 "Elvis: From Devil to King"57:57 "Access to Knowledge, Stupidity Grows"01:03:42 "Restoring and Revamping Vehicles"

What does it really take to break free from food addiction, binge eating, and emotional eating? In this powerful episode of the Food Freedom Podcast, Coach Mary explores the simple but life-changing truth behind recovery: Choice. Chance. Change.If you've been stuck in the cycle of dieting, overeating, guilt, and starting over, this episode will help you understand why nothing changes until you decide to do something different even when it feels scary. Mary shares how making a clear choice, taking a chance on food sobriety, and staying committed through discomfort is how real freedom from food obsession begins.You'll learn why willpower isn't the problem, how emotional eating and food addiction are fueled by avoidance and self-betrayal, and what it actually takes to create lasting change in your relationship with food.This episode is for anyone struggling with:• Food addiction• Binge eating• Emotional eating• Compulsive overeating• Yo-yo dieting• Cravings and food noise• Weight loss resistanceIf you're ready to stop numbing with food and start building self-trust, clarity, and control, this episode will give you the mindset shift you need to begin.Listen now and take the first step toward Food Freedom.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.

Get the full 15 year ad-free archive, including all 2 hour extended interviews with THC+: Subscribe via the THC website: http://thehighersidechats.com/plus-membership Full Plus archive. Dedicated RSS feed. All THC, live shows, and bonus content. Subscribe via Patreon: http://patreon.com/thehighersidechats?fan_landing=true Full Plus archive. Dedicated RSS feed. THC + on Spotify. Payment through Paypal. About Today's Guest: Professor Jiang […] The post Professor Jiang Xueqin | Sabbatai Zevi, Jacob Frank, & The Secret Faith Of Power appeared first on The Higherside Chats.

A new Tesla patent aims to tackle the issue of sun glare affecting FSD at low light angles by giving the system, in my words, sunglasses. Plus: Tesla boosts battery production efforts at Giga Berlin, a deeper look at tire manufacturer's warranties and how they might be able to benefit EV drivers, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps, and you can support for just $5 per month. And there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!). 

The New Year can be exciting, and also demoralizing, especially if you expected this year to be very different than the last. In this episode, Megan sits down for a cozy, encouraging chat directed at Singles who feel like their holiday season has a dark cloud. Be encouraged, and Happy New Year! 50% off of your matchmaking experience until the end of the year, and men can get started for free! Check https://www.synchronyproject.com to register. Men: Join the Discord server here! https://discord.gg/hqZmtuMws9 Singles at SEA 2026: Payment due November 23rd, 2025! We'll be setting sail February 6-9, 2026 out of Miami, Florida on Wonder of the Seas and visiting The Bahamas! Prices subject to change, but you only need $200 to book a cabin/$100 per person if you book with a friend. Call Chelsea Fennell at 864-901-8233 Email: spinell@dreamvacations.comContact Sis. Dana Green with questions: (832) 603-2182 Get the From Singles, to Shepherds Info Guide Here! https://the-synchrony-project.mykajabi.com/from-singles-to-shepherds Contact: If you want to join the conversation about this topic and give your thoughts, reach out on Instagram, Facebook, YouTube, or at questions@synchronyproject.com. Learn more about our matchmaking services and dating resources at https://synchronyproject.com. Intro/Outro music by: Balloon Planet, "Write Your Own Story," https://artlist.io/royalty-free-music/song/write-your-own-story/135437

Let me know your thoughts on the show and what topic you would like me to discuss next.2025 didn't break you—it revealed you.In this powerful year-end solo episode of The Revolutionary Man Podcast, Alain Dumonceaux closes out the year with an honest reckoning for men who started strong, faced pressure, and were forced to confront who they really are.This episode isn't about perfection or finishing the journey. It's about ownership, alignment, and the quiet transformation that happens when a man stops avoiding the truth and starts leading himself with integrity.You'll hear:Why misalignment always demands payment—and how 2025 collectedHow pressure exposes the cracks men try to hideThe real turning point where ownership replaces excusesWhat it actually means to become a stronger man without pretending you're finishedHow pain, when faced honestly, becomes purposeIf this year challenged your marriage, your business, your body, or your sense of direction—this episode will help you close the year grounded, clear, and ready for what's next.

In this episode of the Food Freedom Podcast, Coach Mary dives deep into the difference between validation and growth in food addiction recovery. Many women get stuck seeking reassurance and understanding, but real food sobriety requires action, responsibility, and the willingness to be uncomfortable.Mary explores how validation can become a trap that keeps you stuck in old patterns and how to shift from simply being seen to actually being transformed. You'll learn why emotional validation is essential but not enough, what it looks like when we use it as an excuse to avoid growth, and how to take the next right step toward lasting recovery.If you've ever said, “I just needed to know it's not my fault,” this episode will help you take that realization and turn it into forward motion.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse

Cet épisode de NFT Morning s'inscrit dans la série Future of Payment, enregistrée dans le cadre de Non-Fungible Leaders #4, qui aura lieu le 21 janvier 2026 à La Samaritaine (Paris).Une édition dédiée aux paiements, aux stablecoins et à leur adoption concrète par les entreprises.Pour ce troisième épisode de la série, nous recevons Leopold de Louis Finance, une solution pensée pour la gestion de trésorerie en stablecoins. L'échange porte sur la manière dont Louis Finance permet aux entreprises de faire travailler leur trésorerie simplement, avec un rendement quotidien, sans engagement de durée, sans lock-up, et avec un accès 24/7. L'outil est conçu pour être intuitif, y compris pour des équipes qui ne maîtrisent pas la DeFi, tout en offrant une alternative crédible aux solutions de trésorerie traditionnelles.Cet épisode illustre comment les stablecoins et les money markets on-chain peuvent devenir des outils concrets et accessibles pour la gestion financière des entreprises.

Cet épisode de NFT Morning s'inscrit dans la série Future of Payment, enregistrée dans le cadre de Non-Fungible Leaders #4, qui se tiendra le 21 janvier 2026 à La Samaritaine (Paris).Une édition consacrée aux paiements, aux stablecoins et aux conditions réelles de leur adoption à grande échelle.Nous recevons Rand Hindi, CEO de Zama, et Bilal El Alamy, CEO de Zaïffer. Zama et Zaïffer, deux acteurs clés qui adressent un point critique de l'adoption des paiements on-chain.Les échanges portent sur un constat partagé : sans confidentialité, il n'y aura pas d'adoption massive, en particulier de la part des grands groupes, mais aussi de nombreux acteurs économiques plus larges. La transparence native des blockchains publiques, si elle est une force, devient un frein dès qu'il s'agit de paiements, de flux financiers, de relations fournisseurs ou de données sensibles.Nous explorons comment le protocole Zama et son application avec Zaïffer permettent d'anonymiser ou de protéger les transactions on-chain, tout en restant conformes aux exigences réglementaires.

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

Where Science, Shadow Work, and Spirit Collide to Manifest Your Miracles.If your money feels blocked, it's not because you're doing something wrong. It's because your nervous system is under pressure.In this episode, I break down the neuroscience behind money flow and explain why stress and urgency shut down circulation. You'll learn three specific, practical ways to regulate your nervous system and turn cash flow on, especially during high-pressure seasons like the holidays.Episode Takeaways:Money is movement, and movement requires safetyStress activates survival states that block cash flowRegulation restores clarity, perception, and opportunityWhen you apply this, you stop chasing pennies and start calling in overflow. You move from “how can I get money” to “how do I receive money.” You become a woman who magnetizes. Who attracts. Who doesn't crumble under pressure but rises in power.

Food addiction isn't just about food, it's about the emotional battles happening inside us every single day. In this powerful episode of the Food Freedom Podcast, Mary reveals the seven emotional demons of addiction: anger, fear, shame, guilt, remorse, resentment, and self-pity.These internal forces keep us stuck in binge eating cycles, sabotage our recovery, and silence our progress. Mary shares how each emotion influences our behavior with food, why shame is far more destructive than guilt, and what it takes to finally reclaim peace, confidence, and food sobriety.If you're tired of feeling hijacked by emotions and want practical mindset shifts to support long-term recovery, this episode will help you take your power back.Tune in and learn how to:​Recognize the 7 demons of addiction in your own life​Understand the difference between shame and guilt​Replace emotional sabotage with emotional resilience​Build a food-sober life filled with peace and freedomYou don't have to fight this battle alone. Press play, your freedom journey continues here.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

If you own a CNC shop and are unsure about financing new equipment because of changing interest rates, this episode of Talkin' Shop with ShopSabre is for you. Hosts Brandon Bombardo and Nick Peters explain why now is a smart time to finance your next CNC machine, thanks to recent Federal Reserve rate cuts that make lending more favorable for business growth. Find out how low interest rates can make equipment financing a smart way to grow your business instead of a burden. Brandon and Nick clear up common misunderstandings, showing that a 0.25% rate change usually means only about $6 more per month on a $60,000 machine, while waiting to buy can cost you much more in lost revenue and productivity. They share practical tips, like keeping cash available for payroll and new opportunities, using tax breaks such as Section 179 deductions, and boosting your return on investment with faster production, shorter lead times, and new contracts. The episode also features real customer stories, including a sign shop that won big contracts after financing and a cabinetmaker who increased profits by buying materials wisely. It proves that financing is often a better choice than holding onto cash. If you are considering a ShopSabre CNC router, plasma, or laser to automate your work, lower labor costs, or stay ahead of competitors, financing can help you grow in 2026 without using up your savings. Don't miss out on bigger gains by focusing only on small savings. Smart borrowing can drive long-term success in manufacturing, woodworking, metal fabrication, and more. Timestamps: [00:00] - Intro to Talkin' Shop with Brandon Bombardo [00:37] - Why Financing Equipment Makes Sense Today [01:14] - Fun Banter: Introducing the Lego Connoisseur [03:31] - Overcoming Past Pricing Mindsets for Growth [05:20] - Viewer Q&A: Aggregates, Knife Control & Phase Converters [09:48] - Deep Dive: Financing as a Growth Tool, Not Debt [11:00] - Rate Cuts Explained: Real Impact on Payments [15:33] - Why Growth Always Beats Cash Hoarding [17:59] - Customer Stories: Machines Paying Themselves Off Fast [20:55] - Sign Shop Success: Landing Big Contracts Via Financing [22:55] - Cabinet Shop Win: Higher Margins Through Cash Preservation [25:30] - When Financing Makes Strategic Sense [29:55] - Tips: Work with Trusted Lenders Like Geneva Capital [32:23] - Final Thoughts: Use Financing Wisely for 2026 Success [36:07] - Motivational Quote & Hockey Life Lessons [40:31] - Holiday Wrap-Up & Merry Christmas #CNCFinancing #ShopSabre #CNCEquipment #BusinessGrowth #ManufacturingTips #CNCRouter #CNCPlasma #WoodworkingBusiness #MetalFabrication #ShopOwner #EquipmentFinancing #Section179 #GrowYourShop #Automation #ProductivityBoost Get a Quote Today: https://www.shopsabre.com/ Check out all of our equipment at https://www.shopsabre.com/ Follow us for daily CNC content Facebook:  https://www.facebook.com/shopsabre Instagram:  https://www.instagram.com/shopsabre Twitter/X: https://x.com/ShopSabreCNC TikTok: https://www.tiktok.com/@shopsabre LinkedIn: https://www.linkedin.com/company/shopsabre-cnc/ Like and Subscribe to our YouTube channel for more CNC router and CNC plasma cutting machine tutorials, DIY project builds, and more. We feature cutting in different materials such as wood, plastic, aluminum, and other various steels. For over 20 years, ShopSabre CNC has provided businesses and hobbyists with the best CNC machines at the best value. By focusing on unbeatable customer service and high-quality products built in the USA, we've grown from a single machine built at home to one of the most trusted CNC machine manufacturers in the country. Since building our first machine two decades ago, we now have over 10,000 CNC routers, plasma, and laser engraving machines in a wide variety of industries in over 40 countries. Our success is a result of our commitment to developing a better way to build CNC machines and support our customers. ShopSabre CNC  www.ShopSabre.com 21673 Cedar Ave, Lakeville, MN 55044 800-493-6021

For years, gold was the asset nobody wanted to talk about. It sat there quietly while stocks and real estate continued to rip. Gold was for pessimists. For doomsayers and perma-bears.And then suddenly… gold didn't just wake up. It launched. As of mid-December 2025, spot gold is trading around $4,300–$4,400 an ounce, depending on the market, marking a gain of roughly 60% over the past year and pushing decisively into record territory. The obvious question is: why now? The short answer is that gold isn't reacting to one thing. It's responding to a stacking of pressures that have been quietly building for years and are now impossible to ignore.Start with central banks. For the better part of the last decade, central banks were net sellers or indifferent holders of gold. That changed dramatically after 2022. According to the World Gold Council, central banks have been buying gold at more than double the pace of the pre-COVID years, and 2025 continues that trend, with hundreds of tonnes added to reserves year-to-date. These aren't hedge funds chasing momentum. These are monetary authorities making deliberate, strategic decisions about what they trust to hold value. Why would central banks suddenly want more gold? Because geopolitics has re-entered the chat. We now live in a world where reserves can be frozen, payment systems can be weaponized, and “risk-free” assets depend heavily on political alignment. The World Bank has been explicit that rising geopolitical tensions and global uncertainty are key drivers of gold's surge this year. When trust in the global order erodes, gold benefits. At the same time, the U.S. dollar devaluation thesis is no longer fringe thinking. It is reality.Gold is priced in dollars, and when real yields fall and the dollar weakens, gold historically performs well. That dynamic is playing out again. Reuters has repeatedly pointed to a softer dollar and declining Treasury yields as near-term tailwinds for gold's rally . Bank of America's research echoes this relationship, emphasizing gold's inverse correlation to the dollar and the growing desire among nations to diversify away from dollar-centric reserves . In other words, gold isn't just going up because people are scared. It's going up because confidence in fiat discipline is eroding, slowly but persistently. So…Is gold still a buy or did we miss it? The truth is, both answers can be correct. Yes, gold is expensive relative to where it was a year ago. You don't go up 60% without pulling future returns forward. But what makes this cycle different is that many of the buyers driving demand are price-insensitive. Central banks don't care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. That's why major institutions aren't dismissing the move as a blow-off. Goldman Sachs has cited sustained central-bank demand and the potential for further ETF inflows as supportive of higher prices. J.P. Morgan continues to frame gold as a beneficiary of geopolitical instability and monetary uncertainty, and Bank of America is projecting prices as high as $5,000 an ounce into 2026. Of course, nothing goes up in a straight line. A shift toward tighter monetary policy or a sudden easing of global tensions could cool enthusiasm. Understand though, that gold's breakout isn't just about gold. There is a larger message that should be taken away from all of this. Hard money has come back into favor. Gold is the original hard asset. It's scarce, politically neutral, and has thousands of years of monetary credibility. But it's also heavy, difficult to move, and awkward in a digital world. Bitcoin exists on the same philosophical axis. Both gold and Bitcoin are reactions to the same problem: expanding debt, monetary dilution, and declining confidence in centralized control. Gold is the conservative expression of that view. Bitcoin is the aggressive one. Today, Bitcoin trades around $86,000, still volatile, still controversial, still misunderstood. But if gold's surge is signaling a regime shift toward hard assets, then Bitcoin may simply be earlier in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, when institutions start moving into the oldest form of sound money, they eventually begin exploring the newest. That's the signal worth paying attention to. So this week, I interview Dana Samuelson, an old friend of the show and an expert in everything gold and hard money. 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.  Gold isn’t reacting to one thing, it’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. Welcome, everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you. From Montecito, California and today. Uh, before we begin, just a quick reminder. Uh, there is a, uh, website associated with this podcast called wealth formula.com. And, uh, that’s where you go to get deeply more deeply integrated into this community, including our accredited investor club, AKA investor club for you to join. And, uh, once you get onboarded, all you do is you, you have an opportunity to see private deal flow, uh, that, uh, is not available to the general public. If you are an accredited investor, meaning that you have, uh, make $200,000 per year or $300,000 per year, uh, for the last two years with the reasonable expectation of continuing to do so, or you have a million dollars outside of your personal residence, a net worth, then you are an accredited investor and. All you need to do is sign up and join the club. Just go to wealth formula.com and sign up and get onboarded. Now, let’s talk a little bit about something that has been extraordinary this year. It’s gold. You know, for years, gold was the asset that nobody wanted to talk about. I mean, it sat there quietly. Well, stocks and real estate continue to rip. Um. Gold really is really, you know, was for the pessimists. For the doomsayers and the perma bears. I mean, I, I gotta tell you, I kind of am was one of those people, right? And then suddenly gold didn’t just wake up. It, it totally launched, exploded in his mid-December 2025. Spot Gold is trading around, I know, 4300, 4400 an ounce, depending on the market, gaining roughly 60% over the past year. Pushing decisively into record territory. Now the obvious question is why now? Well, the short answer is that gold isn’t reacting to one thing. It’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. And this is an interesting shift because. The thing is that in the old days, and I’m even talking about 15, 20 years ago, uh, you would look at gold as something that didn’t really go up when the stock market was doing well, right? It was kind of a reaction. It was a fear-based thing. It still is sort of a fear-based thing, but now it’s not just fear of, you know, whether the stock market’s gonna crash. It’s fear of geopolitical concerns. That’s where the central banks come in, right? So for the better part of the last decade, central banks were net sellers. Or really indifferent of holders of, of gold, and that changed dramatically after 2022. So according to World Gold Council, central banks have been buying gold at more than double the pace of the pre COVID years. And 2025 continued that trend with hundreds of tons, uh, added to reserves year to date Now. These are central banks. They’re not hedge funds chasing momentum, right? They’re monetary authorities and they’re making deliberate strategic decisions about what they trust to hold value. And why would central banks suddenly want more gold? Well, because again, geopolitics has reentered that chat. We live in a world now where reserves can be frozen, right? Payment systems can be weaponized. Risk-free assets depend heavily on political alignment. Now of course, I’m talking about the United States when I’m mentioning all those things, right? Uh, how we can kind of just freeze assets of Russia and that kind of thing. I’m not, uh, pro-Russia, I’m just pointing out the fact that. Countries don’t like it when you freeze their assets. Right? The World Bank, uh, has been explicit that rising geopolitical tensions and global uncertainty are the key drivers of gold surges this year. And when trust in the global Ory roads, of course that is now when gold benefits and at the same time, the US dollar devaluation thesis is no longer just kind of fringe thinking. It’s reality. No one, no one even bothers to pretend that that’s not happening. So gold is, uh, of course, priced in dollars and when real yields fall, uh, and the dollar weakens gold historically performs well so that that dynamic is playing out again as well. In fact, Reuters has repeatedly pointed to a softer dollar and declining treasury yields as near term tailwinds for Gold’s Rally Bank of America. Uh, their research shows, uh, this relationship emphasizing gold’s inverse correlation to the dollar and the growing desire among nations to diversify away from the dollar centric reserves. In other words, gold isn’t just going up because people are scared. It’s going up because confidence in the fiat discipline is eroding altogether slowly. Persistently. So the question is, is gold still a buyer? Did we miss it? I mean, I just mentioned that it just went up by like 60%, right? So that’s a tricky question. It really is. I could certainly see some volatility there. But here’s the thing. I mentioned that central banks were big buyer, right? Central banks don’t care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. So they’re a price insensitive buyer. Um, and that’s why major, major institutions aren’t dismissing the move, as you know, just a big blow off. Uh, Goldman Sachs cited sustain central bank demand, and the potential for further ETF inflows is supportive of higher prices. Banks, uh, like JP Morgan and um, and, and Bank of America. I mean, they’re continuously talking about how gold is a beneficiary of this geopolitical instability. Bank of America is projecting prices high as $5,000 a ounce in 2026. So that’s still a big move, right? Of course, nothing goes up in a straight line. So shift toward tighter monetary policy or sudden easing of global tensions. Well, I, I could, they could cool enthusiasm, right? The less fear in the world. Well, that isn’t. That’s not good for gold. I understand though that gold’s breakout isn’t just about gold. There’s a larger message that should be taken away from all of this, and that is that hard money, real assets have come back into favoring, and gold is the original hard asset. It’s scarce, it’s politically neutral, tens of thousands of years of monetary credibility, but it’s also heavy, difficult to move and awkward in a digital world. Now, of course you know where I’m going with that. I don’t wanna make every gold conversation conversation about Bitcoin, but just as a reminder, Bitcoin exists on that same philosophical access, right? Both gold and Bitcoin are reactions to the same problem. Expanding debt, monetary dilution, declining confidence and centralized control. Gold is the conservative, you know, version of that, the expression of that Bitcoin is the crazy youngster, the aggressive one. They’re, they’re following the same rails. And today Bitcoin trades around $86,000. It’s still volatile, still controversial, still misunderstood, and really, listen, the market cap is 2 trillion bucks. Um, you know, no asset that has ever reached $2 trillion. Market cap has ever gotten to zero. But on the other hand, there’s it, it’s pretty small, and you could still move those markets really quickly, and that’s why you’ve got volatility. But if gold surge is signaling a, a, a shift towards hard assets, it’s really hard to not see that. Uh, Bitcoin may simply be, uh, you know, early in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, uh, when institutions start moving into that, you know, oldest form of sound money, they eventually begin exploring the newest. And that’s, that’s a signal. Worth paying attention to. Anyway, this week what we’re gonna really focus on though is gold and hard money. We’ll talk a little bit about Bitcoin as well. My guest is Dana Samuelson, who is. An old friend of the show, and we will 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 investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbo charge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast ad Samuelson. He is been on the show before. He’s friend of the show. He is a professional. How do we see this numismatist since, uh, 1980. Working with some of the most influential, precious metals trading companies in the country. Before founding his own American Gold Exchange Incorporated in 1998. Uh, for nearly a decade, he was a personal protege of James U. Blanchard ii, one of the true giants of the industry, and the individual most responsible for re legalizing the private ownership of gold in the us. American Gold Exchange Inc. Is a national mail order, precious metals and rare coin dealership that makes competitive buy and sell markets in mainstream, modern, gold, silver, platinum, palladium, bullion coins and bars and classic pre 1933 US Gold and silver coins and World War ii European Gold coins. I don’t know if I left anything out, but welcome Dana. How are you doing? I’m doing great, buck. Thanks for having me back. I really appreciate it. Well, it was funny, we had a little conversation, uh, just before we started and I said, well, gosh, you know, uh, we’ve had you on the show before, maybe once, maybe twice. And, you know, and, and you, um, I think Apley described the gold market as watching paint dry. And I, I think that’s, I think that’s pretty adequate. Um, I mean, for, I mean, the last decade or so before this all happened. So, so let’s start talking about it. So, gold gold’s moved into price territory that, you know, very few people would’ve predicted even a couple years ago. So what, from your perspective, having lived lived through multiple gold cycles, what feels fundamentally different about this move? Uh, this market is a globally driven market and it’s focused on physical. There’s been a move into gold this year, and silver now platinum two. To a degree palladium, uh, in a physical level that we haven’t seen since the late seventies when we had the last really, you know, red hot market driven by fears over debt inflation. Geopolitics. Uh, you’ve got the bricks, nations that are trying to divorce themselves of the dollar, but they really can’t do it easily because there’s not a good viable alternative except for gold. And that’s been one of the leading drivers of this gold price surge that has really, you know, almost doubled in price since, uh, two years ago. A lot of it is, you know, underpinned by Central Bank Gold buying, you know, between 1950 and 2010, after the dollar became the world’s reserve currency backed by gold. And even after we un pegged the dollar to gold in the 1970s, 1971, central bankers had had gold on their, physically in their vaults from pre-World War ii when gold was money, uh, they shed that. From the 1950 all the way to 2010, they became net buyers after the great financial crisis due to the global debt explosion and primarily quantitative easing printing money outta thin air. But they were buy, they were modest buyers, you know, 500 tons a year until Russia invaded the Ukraine in 2022. And we sanctioned Russia and weaponized the dollar. The last four years, they bought, you know, almost a thousand tons of gold year or double. That really became material last year in price as the cumulative effects of their continually buying about a fifth of what the mines make every year started to really impact supplies and price movement. And now we’ve got President Trump this year, you know, throwing a monkey wrench into the World Trade order with his tariffs. And I think that that’s created a lot of uncertainty, some fear. And of course the debt just continues to go higher and higher. And now interest payments on our debt are over a trillion dollars for the first time ever. So debt servicing is starting to become problematic. The cumulative effects of all this have caused the, the people around the world, including central governments to buy gold at record rates. Um, but it’s not the phenomenon that’s happening in the United States. ’cause we don’t have a gold culture in our country, like almost every other country does. It’s interesting. Um, so what, you know, you’ve been talking about really is central banks around the world have it really been accumulating gold at levels we haven’t really seen in modern times. Right. And, and, uh, why do you think the US Central Bank. It doesn’t do the same because is it an admission of the debasement of the dollar? Because really the gold, gold is the anti dollar. I’ve always viewed it as the anti dollar maybe. Maybe that’s not the, you know, you may not agree with that a hundred percent, but I’ve always viewed it that way, and so why wouldn’t the US hedge and accumulate more? Well, we’re the world’s reserve currency. That Right. That’s, that’s created a paper culture in our, in our world. It’s now three generations old, right? Since 1945, when the dollar became the world’s reserve currency and we, the world went to a paper money standard instead of a gold money standard, which was the world’s standard from ancient times all the way till the 1930s. You know, the, our monetary system when the country was founded in 1793 was based on gold and silver coins. A copper penny was the size of a half dollar because that’s what one penny’s worth of copper was worth in 1793. Right. Um, you know, after World War ii, we had a couple things that the rest of the world didn’t have. We had a manufacturing, uh, industries that were, uh, unaffected by the, physically by the war. And we had, you know, the ability for markets to work properly, which should allow the dollar to become the world’s reserve currency. Backed by, you know, 8,200 some odd tons of gold, the biggest pile of gold that any country had. Actually, at that time it was more like 20,000 tons of gold. Uh, but by the time we got to the seventies and we un pegged from gold, we were down to about 8,000 tons. That’s still more than anybody else is supposed to have. I do think China could have more gold than that. Now they’re just not telling us they do. You know, officially they’ve got about 2,400 tons of gold, uh, and the second and third are, you know, 3000 tons of gold. So we, we still have a lot of gold. And there’s talk about auditing Fort Knox and monetizing it, but it only gets us about a trillion dollars. It’s not enough to really, you affect the 38 trillion, maybe pay the debt off for a year, or, you know, for six months. Six months, yeah. Something like that. Our, our debt is starting to matter too. You know, it’s doubled twice in the last 20 years. It gonna double again in the next 10 to 70 trillion, 78 trillion. People hear about the, the whole, uh, the bricks phenomena, right? And part of, part of what you were just discussing in the, uh, accumulation of gold. Explain that, explain what’s going on over there for people who aren’t paying attention, and you know how that is, how that is playing into all of this. Well, when we sanctioned Russia after they invaded the Ukraine. And seized their assets and threw them off of the Swift International Bank Transfer Payment System. We forced countries that were concerned that if they ran politically afoul of us, we could do the same to them. They forced them into thinking, oh, how do we get some independence from that vulnerability? Potential vulnerability? It’s not easy to replace the dollar. What they’ve, what they’ve been doing is replacing the Swift Bank transfer payment system with a payment transfer system of their own right so they can move money amongst themselves outside of the SWIFT system, number one. And since there isn’t a good viable alternative to the dollar, really the only other asset that makes sense is gold. Gold is a neutral asset. It’s not like you need it for oil or grain or steel. Nobody really needs gold, right? But it’s universally trusted. It’s immediately liquid, and it’s got a couple other things going for it that are unique. Number one, it has no counterparty risk. It’s one of the only assets. It isn’t simultaneously someone else’s liability. And number two, uh, gold in a vault can’t be seized or sanctioned. Right, so they’ve been going to gold, like they’ve been going to gold for, for centuries. It’s just, it hasn’t been that way since after World War ii. It’s a, it’s kinda like a back to the past kind of a situation. It’s sort of back to the future. It’s back to the past. That’s the allure for gold and the reason why they’re accumulating. In fact, they just launched their own currency unit called the unit. 40% backed by gold. The bricks nations have now it’s in its infancy and it’ll take a while for it to really, you know, work. But they’ve been building the components and the infrastructure to get to this point, creating the transfer of payment systems and all the components to go along with that so that they could announce something that they could use as a, as a settlement vehicle for trade, which is really what this is all about. And they’re backing at 40% by gold. Which is material and it’ll become bigger as time passes. Let’s, let’s try talk a little bit about that price movement. Huge. Um, is 60% in the last couple years, is that about right? This year alone, gold’s up 67% on a 12 month rolling basis, 67%. I mean, those are like bitcoin num, you know, type movements in the past. Right. They’re kind of crazy. So a lot of people are looking at those prices today and they’re thinking, well, I’m late to the party. Uh, are they late to the party? How do you, uh, what, what do you think’s going on there? I think the party’s about halfway through. We haven’t got to the late innings yet. I, I really do think this, and this is why this is the fourth major bull run in gold we’ve seen since we went off the gold standard in 1971. We had a a 20 to one run for gold in the seventies that was built on two oil shocks. 18% inflation and a crisis of confidence in the US then for the next 30 years. You know, 25 years a good part of my career. You know, watching gold was like watching paint dry. It traded routinely between three and $500 an ounce until we got into war, uh, following the nine 11 attacks, Iraq and I, Afghanistan, and we went into deficit spending. Then we had a second financial crisis when the great financial crisis hit another bull bull market in gold. Then we had COVID economic closures, another bull market in gold. Now we’ve got a fourth, but it’s lacking what the first three had, which was fear in the US over either economics or geopolitical events. So this gold price has essentially doubled since March or April of 2024. With no fear and a lot of complacency in the US markets. So my, my thinking is what happens if the economy slows down and, you know, the Fed’s gonna lower rates anyway. We know that’s coming with a new Fed chairman in the next five months, six months, number one, that’s good for gold. What happens if we go into a real economic slowdown and the Fed really has to drop rates, or God forbid, go to QE again, right? Or inflation rears its ugly head because the fed’s too accommodative in it. Situation where, you know, supplies are kind of tight still because of the monkey wrench, president Trump has thrown into the World Trade Order. You know, if we get fear in the US that’s when gold could go from 4,000 to, you know, 8,000. And I’m not saying that’s gonna happen, but I do think the trends have driven gold higher are not gonna change anytime soon. One of the things that you’re mentioning is those trends and like even. You know, in the last 15 years ago when I’ve been sort of involved in the investor world, the, the things that we talk about with trends with with gold have changed. I mean, usually you don’t see AI stocks going up with gold, right? Like, I mean, not that AI was around, but the point is tech stocks, that kind of thing. How is that thesis fundamentally changed? Um, I’m not quite sure I understand your question. Well, what I mean is like if gold was, gold used to be, I think it’s, you know, something again that people would buy when they were afraid of, of what’s going on in the equity markets. Right. Uh, that’s clearly not the case now. No, no, not at all. Right. Talk about that change. When did that change happen? How did it happen? This is a globally driven market. It’s not a US-centric market. This is fear around the world. You know, central banks started to underpin this market in 2022 when they stepped up their buying and doubled it. But this year, because of the uncertainty, uh, and some of the fear that President Trump’s tariffs and the way they’ve been deployed, kind of knee jerky, um, and inconsistently. Certainly not diplomatically, right? You know, it’s caused a lot of concern around the world. And for example, in April when President Trump announced the reciprocal tariffs on April 2nd, what happened? The bond market went into the complete dislocation, yields spiked from 4% to 4.5% in a week. The bond values tumble because investors started pulling money out of the, and taking it back home. Money that’d come in from Europe and Asia started to go back. So what did President Trump do? He pulled back the reciprocal tariffs on every country, but China and China said, well, we’re not gonna drop tariffs on you. And he said, well, we’ll ramp ’em up on you. So we went toe to toe with him. Until a week later, we were at 145% tariffs on China, and they were 125% on us. Well, if you’re a Chinese investor and you have real estate or stocks to invest in, and both of which have done badly since COVID or gold, what are you gonna do when your best customer suddenly says, Hey, we really don’t want your products, because that’s what 145% tariffs say to the Chinese. We don’t want your products. You can’t sell ’em here. You gotta go sell ’em somewhere else, but we’re their best customer. So they bought gold. They bought gold handover fist, and they drove the gold price up $500 by themselves during that month. That’s what I mean by fear outside of the us. Yeah. We don’t get it inside. Well, and and that’s fear outside of the markets too, right? I think that’s, that’s the fundamental shift I was trying to get at is true. It used to be that gold was, uh, gold would react on fear of the markets, but now there’s another level of fear, which is geopolitical. And it doesn’t seem like there’s any time soon that that’s gonna end. No, no. I, I, I’ve called it like a run on the bank only. It’s not a run on the bank of like George Bailey’s run on the bank and it’s a wonderful life. This is a run on the gold market, the physical gold and silver and platinum markets. That’s really what this is, and it’s a global rush to buy. And it’s not just central banks, it’s the public as well. Due to uncertainty, part of it’s fear of missing out now that we’ve had a big run in prices too. That’s FOMO in there too. That’s what I’m trying to, that’s part of what I was wondering too though, is like, you know, again, there’s people out there now who, um, are, are looking at this and they might even be listening to us going, gosh, yeah, it really makes sense and I happen to have no gold. What do I do? You know, what do I do now? Do I buy now? And, and I’ll, you know, and, and the next thing you know. I find out this was a frothy market and, and I’m down 20% for the next three years. I mean, that kind of thing. So I, I think it’s a, it is a tricky time, but, so that sort of, I guess, brings up when you think of gold, um, in a portfolio. I mean, you say, you’ve said in the past, it’s not about getting rich. Well, some people really did get rich this time. Uh, you said it’s about preserving wealth, right? So how should investors think about Gold’s role alongside stocks, real estate, and other assets right now? Well, even I think JP Morgan Chase has said this year, you know, instead of a 60 40 portfolio, you should have a 60 20 20 portfolio with 20% bonds and 20% precious metals. Gold in particular, because of what’s been happening. And now we don’t have a gold culture in our country, like most every other country does. So most Americans don’t get it. And that’s part of. We’ve ingrained because the dollar is the world’s reserve currency and it insulates us from currency shocks in commodity pricing primarily. Uh, without that insulation, you know, they might think things a little bit differently, but you know, any good financial planner will say you should have a little bit of precious metals as part of your portfolio, uh, as a hedge against financial uncertainty. And it certainly worked perfectly well during the great financial crisis. And when COVID hit because. Gold tends to counter cyclically, perform in price against stocks and bonds, and it’s always liquid. Now, you’re a real estate investor, you understand real estate. What couldn’t you get in 2009 alone? Right? Bankers wouldn’t give anybody money, right? But if you had gold, you could get liquidity, right? And gold, you know, almost doubled between 2008 and 2011 at the same time when most assets were dropping 50%. That’s an insurance policy for the rest of your money. That’s why I said, look, it’s a way to preserve wealth and have a hedge against financial uncertainty. But in the market that we’re in now, you know, having more than just the, the minimum, which is five to 10% of assets as a, you know, potentially an investment instead of just an insurance policy. That makes sense. But you’re right, you could buy and you could, you know, tie up money that won’t produce anything for a couple years, maybe longer. You also have an insurance policy in case the wheels do come off like they did during the great financial crisis or during COVID. Yeah. Yeah. I was listening to, uh, another podcast. I listened to the, these, uh, guys, the All In podcast, and, uh, Tucker Carlson was on there, and apparently he’s a, you know, huge, uh, physical gold guy. And, and he said, and I, I think he was serious. He said he buries it in his backyard and then he spreads a bunch of, um. Uh, a bunch of, you know, silver beads, uh, out there too, like, just in case no one can like, use a medical metal detector and find it is gold. Uh, let’s talk about that nuance of, of physical gold versus, you know, buying ETFs and all that stuff. What’s your take? I mean, what, what do you tell people when they say, well, gosh, you know, uh, it might be hard for me to store that gold and, and why shouldn’t I just get an ETF and, and talk a little bit about that? Well, I trade ETFs in my IRA account. When I think the, when I think I can harness price movement, that’s what I use ETFs for. You know, they’re a paper representation of gold, uh, that you can trade at the click of a button, physical gold. Is valuable. It’s, you have to find a place to store it. It’s pretty inert, so you can, you can bury it in your backyard, keep the elements out of it, but then there’s some risk there because it could be found, it could be stolen, so you do have to store it somewhere. You can put it in a bank safe deposit box, but I don’t really recommend that because what happens if there’s a banking holiday and you can’t get to it? So having a home safe or maybe, you know, maybe bearing it in the backyard. Is an option if that’s what you wanna do. Or there are independent professionally run storage facilities. There’s a few of ’em around the country that are run by precious metals dealers that are, you know, big entities. Uh uh. So I think they’re trustworthy and they certainly have the ability to service and aren’t properly insured. So that if something happens, you know your value is protected. And that’s primarily what you pay for as a storage fee is a percentage of value. Not so much number ounces that you have there, but the value percentage, because it is an insurance, uh, related value, right? The value goes up, they’ve gotta get more insurance so they get a higher storage fee for that same amount of metal if the value increases, which is unlike other assets. So I do have a couple of those I recommend that are run by professional. Companies that have been in business for years that we know would trust and have performed perfectly. If you wanna store, um, physical metal now gold is compact. You know, a hundred ounces is smaller than a paperback novel and it’s $450,000 worth of value today. You could, I could literally have one bar in each one of my coat pockets and be walking around with almost a million bucks in my pockets, and no one would know. Silver. You know, silver creates a bigger problem because it takes 70 ounces of silver to equal an ounce of gold. So there’s a lot more volume involved and a lot more weight, which is why sometimes these facilities make more sense if you wanna store something that’s more bulky like silver. But if you’re gonna store gold somewhere, that’s not easy to find. You wanna make sure somebody you trust behind you knows where it’s just in case something happens to you. Right? Yeah. Um. What, um, how difficult is it, uh, Dana, for someone to, I guess, say they wanna sell, say maybe they need to sell one of those bricks in your pocket there? Uh, and, and, um, is that a, um, a process that, I mean, it’s, you know, it’s not as easy as clicking a button at that point, right? But to make sure that you get the best possible price for your gold and all that, I mean, you’re not gonna go to a pawn shop and. Oh, that, so like, I, I’m just curious on the mechanics of that. ’cause I’ve, you know, I’ve, I’ve never sold, you know, physical gold for anything. So, so our, our company’s a physical dealer. We’re a hybrid between Amazon and a financial institution. And that, uh, we sell something online or over the telephone. The price is always changing on a minute by minute basis, but it’s like you’re buying shoes. It’s just, you know, you don’t quite know what the price is gonna be. So we physically, you know, figure out which product you should purchase, what’s best for you, and then we ship it to you if you want to sell it, it’s just the reverse of the transaction. You have to present it for delivery, which means you have to ship it back to, uh, your dealer, or, you know, physically deliver to them, and you get paid immediately upon delivery. So, um, you know, we, we do business like a financial institution. You can call us up, place a transaction over the phone. Uh, if it’s a smaller transaction, we’ll do that without deposit funds. If it’s a bigger transaction, we don’t know, you will want funds first, but once we lock in, that’s the price. Just like when you buy stock and then you pay the balance or, or we ship you the merchandise, whichever comes first. Um. You get it, inspect it, make sure you, you got what you’re supposed to get. In fact, it, you know, in the last two years with this gold price just climbing higher and higher, we’ve got a lot of clients that are complacent. They like the stock market that’s been hitting record highs, uh, and they’ve been shedding gold. We’ve actually bought more gold as an industry, not just our company, but as an industry in the last year than we’ve bought in a single year in 20 years. So it’s very easy to reverse the transaction. But what I would tell you. For your listeners is, and this is important, you should buy sovereign minted products, gold ounces, silver ounces, one ounce gold coins. They’re really just round bars made by the US Mint, the Royal Canadian Mint, the British Royal Mint. The Austrian Mint instead of refinery made. One ounce bars or 10 ounce bars or kilo bars of gold because we have a modest but growing problem with Chinese counterfeits. The Chinese can take tungsten and plate it with gold and pass it off as reel, and they can do that much better with refinery made bars that have plain design pictures stamped onto them. They can replicate those very well, but they cannot replicate the intricate pictures. The US Mint or the Canadian Mint, or the Austrian mint, British royal mint stamp onto that one ounce gold coin. We call it a coin. It’s just a round bar made by a mint that struck with dyes like a coin. And all of the mints around the world have introduced minute anti-counterfeiting design elements into the picture that they stamp on their coins to deter Chinese counterfeits. And it’s working. So the most important thing is, you know, do business with a reputable dealer that’s been around a long time, that has a good reputation, not a, not some new entity, right? You wanna find a, a trusted member of the community and develop a relationship that makes buying again or selling very easy. Once you have a relationship with a dealer, and we know the product you’ve purchased, we’ll take it back very easily. Uh, silver is, you know, people talk a lot about it in the context of, you know, the lump it with gold but has very different characteristics. Um, how do you think about silver today? I love silver today. Uh, it’s, it’s a metal at times as hard to love because every time it makes a big gain, it can give it up pretty easily. It’s more volatile than gold, but gold’s about 90% monetary metal in 10%. Commodity metal silver’s about 50 50, but what silver has going for it is, uh, a couple of unique characteristics that virtually no other metal comes, uh, as close to, which is conductivity of heat and electricity. Silver is amazing in that it’s the best at conducting both heat and electricity. I’ve got a one ounce silver coin on my desk here, and if you take this coin and hold it between your fingers and take an ice cube. You can literally cut that ice cube in half in about 6, 7, 8 seconds with a pure silver coin because the heat from your fingers gets transmitted to the coin and goes right through the ice cube. That’s just a simple example of how conductive silver is for temperature, and we have a structural supply deficit in the silver market that we’ve had for about five years now, where the industry. Is consuming more silver than comes out of the ground on an annual basis. So we’re eating into the above ground supply. Uh, so fundamentally that’s the supply and demand equation favor silver. Uh, plus because gold is moved up so much in price, silver is getting a rotation into it because it’s underperformed relative to gold until just recently where it’s played catch pretty sharply in just the last three or four months. If you measure. How many ounces of gold, uh, how many ounces of silver it takes to equal an ounce of gold, the gold to silver ratio back in April. That was a hundred to one, you know, which was an extreme. Today that ratio is a, is a little under 70 to one. It’s 67, 68 to one. So silver has played up in ketchup in price. Where is that historically? Uh, well. Normally it’s between about 40 to one and 80 to one with about 60 to one as the, as the pivot point where it’s in, they’re in equilibrium. But in the last four or five years with gold leading and silver lagging, we’ve routinely been in the 85 to 90 to one range. Uh, and we actually hit a hundred to one in April of this year, uh, which was the highest it’s been, um, except for when we had a kind of a knee jerk in the medals during COVID, which was an anomaly. Uh, didn’t last. So, but anyway. Silver is playing ketchup because it’s been undervalued relative to gold. Um, and we’ve seen, you know, people that wanna be in the metals, but think gold’s a little expensive. They’ve rotated out of gold, and we’ve seen some of that money move into silver and also into platinum. Now, platinum was under a thousand dollars this time of year ago, and it’s almost $1,900 announced today. So it’s almost platinum’s up, uh, almost a hundred percent now. This year where silver’s up 120% this year and a lot of this demand is driven globally. We’ve seen huge demand in silver in India this year because gold is so, has become so expensive, and that’s what I mean by a global run on the, on the bank. It’s not just China, Japan, it’s India too, and Europe as well. Physical buying and et f buying ETFs are available around the world in precious metals now that really haven’t been very impactful until this year. Um, but that’s what the world’s doing, you know? No discussion these days on gold is complete without at least mentioning Bitcoin. Uh, you know, and, and it’s, it’s interesting because, um, you know, even within the, uh, uh, gold world, I mean, there’s, there’s some prominent people who are really bought in to Bitcoin. Like I, Lawrence Lepert has been on the show multiple times now, and Larry’s all in. Um, just curious as a, you know, as a gold person, what do you see where, what do you see the role or do you not believe in this thing? Do you believe it is a, a parallel? Um, I, there’s so many things that you say about gold. That I’m like, yeah, you can say that about Bitcoin too and carry, you know, millions of dollars in your pocket. You can, you know, it’s, uh, there’s a very little amount of it. Um, obviously it’s new, right? Gold has been around for, since the beginning of time and, and now we’ve got 2009 for Bitcoin. What is your view? How are you seeing it? May, how are your colleagues seeing it in the gold space? Well, a couple different points to make here. Um, you know, when, when Bitcoin came out in 20 10, 20 11, you know, one of my friends in the, in the precious metals business told me I should buy it when it was 20 bucks and I didn’t get it. So I didn’t do it, and that was a big mistake on my part. But Bitcoin has one advantage that no other currency or gold has, which you can move serious money over borders easily. You’re right, you can carry it around in your pocket, in your wallet and, um, you know, you carry a lot of value around and transfer it at the, you know, click of a button. And no co counterparty risk, just like you said with gold, right? Yeah. Well, there’s some modest counterparty risk with, with bitcoin that you, you have counterparty risk with gold and theft as well. Um. Bitcoin is volatile. It’s, you know, it’s, it’s very volatile. It’s still the speculative investment. I mean, it was 124,000, you know, four months ago, and now it’s about 85,000, 90,000. So there’s volatility there that gold doesn’t have. But more importantly, what I’ve seen in my career is a generational divide. The older, older people, you know, 45 and older, like gold and silver. Younger people that grew up with phones in their hands like Bitcoin. The volatility in Bitcoin that we’ve seen in these two big selloff cycles in Bitcoin have not the first one, but the second one have helped to bring some of those younger people into the stability of gold, especially in the year when gold is doing pretty well. ’cause it then it kind of has a little bit of that Bitcoin allure, which is, you know, get rich quick. But, um. Bitcoin’s volatile, but it’s here to stay and it is now the most respected cryptocurrency. Like I almost bought Ethereum, you know, 10 years ago when one of my friends was explaining both to me and said that Ethereum basically had better fundamentals. But you know, it’s kind of inventing, it’s kinda like investing in a. What, uh, beta, beta max instead of VHS back in the day. Some of the older people remember that. You bet on the wrong horse, you know? Yeah, exactly. Well, you’ve, uh, you know, you built this, uh, firm on transparency, integrity, uh, in an industry that doesn’t always have the best reputation. Right? So for investors who decide that precious metals belong in their portfolio. Uh, how can they get a hold of you? Well, our website is, uh, A-M-E-R-G-O-L d.com. Uh, we don’t have, you know, 10,000 items on our website. We have a, we have a small listing of what available products are because we stick with mainstream items, products that are primarily easy to sell, uh, competitively priced, widely traded, and easily understood. Um, uh. Uh, email address is info I nfo@amggold.com. Uh, we have a toll, toll free number 806 1 3 9 3 2 3. Uh, we’re consultative in nature. We’ll, we’ll answer any questions. Happily, gladly, uh, no transactions too small or too large. What we really wanna do, uh, is help people because if we do that, we help ourselves. And when you treat people right, it, it comes back. And our industry does have a chair of bad actors. And, um, you, you wanna make sure that you do business with someone reputable that’s been in the industry a long time. And I understand some people may wanna do this locally where they can actually walk into a place of business. Do this instead of over the phone. So look for dealers that have, you know, longstanding, uh, businesses and good reputations. If you see a reputation that, uh, has some complaints, you know, there are other choices for you. But, um, we just try and help people buck. That’s really what we try and do. We certainly have the reputation for it. Dana. So thank you so much for being on Wellfor podcast. Well, thanks for having me. It’s great to see you again, and I wish you a great success in 2026 and a happy holiday season. You too. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The 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 wealth formula banking.com. Welcome back to Show England. Hope you enjoyed it and, uh, I will. Uh, I should admit though, that if you go back and you listen on my, uh, past shows, this is one that I was wrong on. I, I’ve never been a gold bug. My biggest issue with gold. Um, has always been, you know, from an investment thesis that it doesn’t really do anything, doesn’t yield anything, and what’s the point of owning it rather than owning, uh, real estate. And actually, if you just look at what I said, it’s, it’s still, it’s still, it’s still kind of true, right? I mean, you can argue, well, yeah, the real estate markets really did, uh, did struggle over the last couple years. But listen, at the end of the day. The real estate market struggled because of leverage, right? Gold. There’s no leverage, no one’s borrowing, buying gold on leverage, and so it can go up and down and it doesn’t really hurt anybody. If you take the last couple decades and you know how much people made from, uh, real estate versus Bitcoin, even though there’s this huge, uh, huge uptick in Bitcoin now it’s, it’s probably the case that they come out pretty close. If not, uh, you know, real estate still being the winner. But anyway, uh, I do want to say and admit that I was wrong. That, uh, that the gold wasn’t really worth, uh, owning. I think, uh, you know, I wish I had owned some, just like a lot of people wish they’d own Bitcoin at $6,000, right? Um, in fact, I will say that one of the things in hindsight that I think of is gold in many ways for the last several years was on sale. And I haven’t really been talking about this as much, but I’ve been reflecting on this a great deal about making sure that as an investor you wake yourself up once in a while and ask, okay, well, what’s on sale? Well, gold was on sale for a while. Silver was definitely on sale. Right? Um, doesn’t mean you have to go in, have, you know, 50% of your portfolio in something like that, but when something’s on sale, it’s not a bad idea to look around. And maybe get, you know, get a little bit of exposure. I do think that real estate is there right now. I think real estate, you know, if you’re in the credit investor group, you’re seeing on a routine basis 30%, uh, discounted offerings from just a couple years ago. And I do think that’s on sale right now. But there are other things as well, arguably. I mean, I, I actually think that Bitcoin is, uh, uh, sort of on sale right now. I mean, sitting at 86,000, anybody who thinks it’s not gonna go to a hundred thousand at some point in the next, you know, 12 months is, I mean, I think it’s highly unlikely that it doesn’t go to a hundred thousand, right? So think about that right now. That’s like a 14% gain right then and there. Anyway, sometimes it’s good to just look around and see what’s on sale. Uh, that’s my message for this week. Uh, this is Buck Joffrey with Wealth Formula Podcast signing off. 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.

Charlie finally wraps up corn harvest, and that means a weight is lifted as part of a Christmas Miracle. But now we have Bridge Payments to fret about! What the heck are they, how are they calculated and when does it all happen?  We have some of those answers to go along with a whole lot of Ryan and Charlie speculation for this week. Weather looks very un-Christmas-like, markets certainly are scrooge-worthy, and Charlie was a winner in harvest Bingo this year. Brought to you by Mac America Ag Finance, Norhtern Indiana:  574-253-3433

Metabolic syndrome affects millions of women and many don't even realize they have it.If you've been doing “everything right” with food, dieting, or weight loss but still struggle with belly fat, blood sugar issues, fatigue, cravings, or stubborn weight that won't budge, this episode is for you.In this episode of the Food Freedom Podcast, I break down what metabolic syndrome actually is, how it develops, and why it's not a willpower problem.Drawing on the research and teachings of Dr. Ben Bikman, we talk about the real root cause behind metabolic syndrome: insulin resistance and how years of blood sugar spikes, emotional eating, food addiction, and chronic dieting quietly set the stage for metabolic dysfunction.You'll learn: • What metabolic syndrome is and how it shows up in the body • Why insulin resistance, not calories, is the real driver • How food addiction and emotional eating contribute to metabolic damage • Why traditional dieting often makes metabolic syndrome worse • What actually helps reverse metabolic syndrome in a sustainable way • How food sobriety and real food can support metabolic healingThis episode connects the dots between metabolic health and your relationship with food, so you can stop blaming yourself and start working with your body instead of against it.If you're ready to understand why your body has been fighting you and what to do about it, this conversation will give you clarity, compassion, and a path forward.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

This Day in Maine for Tuesday, December 23, 2025.

We talk about the Dodgers having the highest luxury tax payroll than any team in MLB history and why Angels fans might want to consider jumping ship. Ryan Kartje from the LA Times hops on to talk about the end (or at least pause) of the USC-Notre Dame football rivalry.See omnystudio.com/listener for privacy information.

David Choe is a world-renowned artist, writer, podcaster and TV host. He tells how as a child, he was made to believe he was destined for greatness but also that he was a complete disgrace, leading him to channel his energy—including deep shame—into art that brought him global recognition. He shares about his addictions that put him on a decades-long cycle of extreme highs and lows and that forced him to eventually acknowledge and heal the childhood trauma he was battling inside. David shows up with raw, authentic presence to show us how we can transmute pain and shame into our best creative work and, more importantly, how complete vulnerability, especially about our hardest experiences, is the ultimate tool for forgiveness and self-acceptance. He also tells us the actual story about early Facebook, Pee-wee Herman and Santa Claus. Note: This conversation includes topics and language that may not be suitable for younger audiences. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Eight Sleep: https://eightsleep.com/huberman LMNT: https://drinklmnt.com/huberman Function: https://functionhealth.com/huberman Mateina: https://drinkmateina.com/huberman Timestamps 00:00:00 David Choe 00:03:10 Drawing, Black & Colors, Death 00:12:54 Telepathy, South Bay 00:17:52 Sponsors: Eight Sleep & LMNT 00:20:40 Childhood, Podcasts, Mundane Moments & Artist Life 00:28:45 Mother, Beliefs, Religion, Artistic Ability, Childhood 00:33:27 Gambling, Transformation; Immigrant, Disgrace 00:40:10 Street Art, Graffiti, Creativity; Paintings, Payment; Sports 00:52:08 Sponsor: AG1 00:53:30 Santa, Belief; Journal, Vulnerability; Heart Break, Art 01:00:16 Facebook, Graffiti; Theft, Gambling 01:10:57 Adapting, Creativity 01:17:16 Album Cover, Art & Payment 01:23:40 Sponsor: Function 01:25:28 Immigrant & Belonging, Academics, Learning Art, Marvel Comics, Shame 01:35:11 Shame, Gambling Addiction, Stress 01:43:05 Sexual Abuse, Trauma, Shame, Addiction 01:51:52 Early Career, Pornography, Author 02:01:20 Graffiti, Disappointment, Rejection; Early Magazines 02:08:26 Sponsor: Mateina 02:09:27 Pornography, Co-Dependence; Movie Set 02:18:00 Pride & Family, Vice; Pokémon 02:26:44 Podcast, Workaholism, Shame, Reality; Anthony Bourdain, Channing Tatum 02:38:54 Writing, Career Success, Workaholism, Vice, News, Self-Sabotage, Heart Attack 02:52:21 Growth & Pain, Sizzler; David Arquette 02:58:40 Rehab, God, Purpose, Parents & Disappointment, The Choe Show, Pee-Wee Herman 03:05:53 Gratitude, Korean Immigrant, Self-Reflection, Brokenness 03:14:37 Emotion, Saying No, Suicide; Vacation & Workaholism, Art 03:25:23 Legacy; Vacation, Work; Authenticity 03:31:15 Surviving & Thriving, Suicide, Addiction, Play the Tape Out, Fun, Feeling Enough 03:44:43 Hope & Faith, Electronics, Santa Claus 03:51:23 Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the full 15 year ad-free archive, including all 2 hour extended interviews with THC+: Subscribe via the THC website: http://thehighersidechats.com/plus-membership or Subscribe via Patreon: http://patreon.com/thehighersidechats?fan_landing=true Full Plus archive. THC + on Spotify. Payment through Paypal. About Today's Guest: Jeremiah Skiba is a musical artist, author, and the charismatic host of “Skiba News Nation.” Renowned for […] The post Jeremiah Skiba & Jake Grant | The Wrongful Death of Rob Skiba, WACO, & The Flat Earth Mindset appeared first on The Higherside Chats.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Wayne Marshall, CEO at the Institute for Automotive Business Excellence. Wayne shares his journey from industry vendor and business owner to leading the Institute, emphasizing the importance of succession planning and building a strong foundation for long-term success. The conversation highlights the value of investing in people, fostering industry-wide collaboration, and creating an exceptional customer experience through attention and hospitality.00:00 Letting Go to Empower Growth05:51 "Building a Strong Foundation"14:54 "Embracing Change in Business Ownership"18:48 "Business Growth and Advice"24:29 Pitching to Decision-Makers Only27:43 Switching to a Smaller Bank36:25 Investing in People for Growth39:19 "Supporting Growth and Opportunity"47:11 "Collaboration, Communication, and Growth"51:27 Sports, Passion, Pressure, and Mistakes58:38 Stressful Car Troubles01:00:04 "Turning Issues Into Opportunities"

Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller. For fintechs, cracking the credit union market is notoriously difficult. It's relationship-based, insular, and requires a fundamentally different approach than banking. Many try and fail. But when done right, it opens up distribution to institutions serving over 140 million Americans. Today I'm joined by Brian Kaas, president and managing director of TruStage Ventures, the corporate VC arm of TruStage—a $5.5 billion annual revenue insurer that works with 92% of credit unions nationwide. Since 2016, TruStage Ventures has deployed $400 million across 50 portfolio companies and facilitated over 3,000 partnerships between credit unions and fintechs. We first spoke with Brian in 2021 when the fund was just gaining traction. Four years later, the portfolio has matured with companies like Ethos, Current, and SmartAsset, and Brian's team has become essential connective tissue between innovative fintechs and credit union distribution. We'll dig into what makes credit union partnerships different, why so many fintechs struggle to break in, and why stablecoin solutions have become the number one request Brian's hearing from credit union CEOs.

Can you have health or weight loss goals in recovery from food addiction, binge eating, or compulsive eating without being disordered?In this episode of the Food Freedom Podcast, Coach Mary breaks down a common and damaging myth in the recovery space: that wanting to change your body or improve your health automatically means you're slipping back into disordered thinking or diet culture.The truth is having health or aesthetic goals is not the problem. The real issue is how those goals are pursued and whether they support or sabotage your recovery.In this episode, you'll learn: • Why wanting weight loss or aesthetic goals does NOT mean you're failing at recovery • The critical difference between recovery-driven goals and diet-culture behavior • How to evaluate your health decisions through the lens of food sobriety • Why recovery must always come first and how goals can coexist without relapse • How to pursue strength, confidence, and better health without returning to obsession or restrictionIf you're in recovery from food addiction or emotional eating and feel conflicted about wanting to change your body, this episode will bring clarity, relief, and permission to move forward without compromising your freedom.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

"Now to watch crypto move into stablecoin as opposed to cryptocurrency, it really seems to be moving stablecoin into the main stage."   Jacqueline and Jordan both attended Money 20/20 this year in Vegas! We discuss our experience there in this episode of payments corner and how we feel it marked a pivotal shift for the financial industry as it moved from theoretical hype to tangible execution. The conference highlighted how financial technology is being rebuilt around this core infrastructure, transitioning from simple automation to "agentic commerce" where autonomous AI agents manage entire shopping cycles, from discovery to secure payment. Beyond AI, the passage of stablecoin legislation has catalyzed a new era of "programmable money," leading major institutions like Western Union to launch their own digital payment tokens for faster, 24/7 cross-border settlements. As these instant payment rails become the global baseline, the focus has intensified on building an "architecture of trust"—replacing static security with adaptive, AI-driven fraud prevention and "Know Your Agent" (KYA) frameworks to safely manage autonomous financial interactions.

Dr. Mark Grether, SVP & General Manager, PayPal, unpacks how PayPal is reshaping commerce media by leveraging its transaction graph across 30 million merchants and 400 million consumers at Marketecture Live. From democratizing retail media for SMBs to monetizing Venmo's social feed and enabling agentic commerce with trusted payments, this conversation explores why PayPal sits at the center of advertising, AI, and the future of buying online. Takeaways PayPal's transaction graph spans 30 million merchants and 400 million consumers, giving it a horizontal view that powers audience targeting, market share insights, and closed-loop measurement. The new SMB Ads Manager unifies demand and supply so smaller merchants can both buy previously unreachable audiences and monetize their own site traffic. Venmo's social feed and Gen Z heavy user base create high demand, upper funnel ad inventory tied to real spending behavior and cultural signals like emoji usage. Honey contributes large-scale intent and catalog visibility, letting PayPal connect discovery to checkout and measure impact even for off-site channels like CTV. In agentic commerce, PayPal aims to be the trust and payments layer that reduces friction while humans still make emotional final decisions. Chapters 00:00 PayPal Today: Scale, Brands, and the Transaction Graph 01:09 Retail Media Fragmentation and the SMB Challenge 01:53 PayPal Ads: On-Site, Off-Site, and Storefront Ads 03:57 Ads Manager: Unifying Demand and Monetizing SMB Eyeballs 06:37 Open Commerce: Relevance and Brand Safety at Scale 08:24 Venmo Ads: Social, Gen Z, and Upper-Funnel Moments 10:36 Honey: Intent Signals, Catalog Data, and Targeting 12:15 Closed-Loop Measurement and CTV Attribution 16:14 Agentic Commerce: Trust, Payments, and In-Flow Checkout 24:04 Five-Year Outlook: What Changes and What Doesn't Learn more about your ad choices. Visit megaphone.fm/adchoices

December 22, 2025 has arrived and so has this sonic edition of Charlottesville Community Engagement. Many of the longer versions of stories are produced as if they are going to air on the radio, and for this edition two have already done so! The other two have not, but will be among the stories that may be chosen for the December 27 edition that will air on WTJU at 6 a.m. Between now and then the goal is to spend the holiday period combing through a backlog of potential topics. I'm Sean Tubbs, and I'm glad that this is what I do.In this edition:* Charlottesville Planning Commission seeks some changes to city's five year CIP (read the story)* Charlottesville ends use of Flock system (read the story)* Charlottesville transitions parking garages to AI-powered access management (read the story)* The Albemarle Planning Commission takes a look at a new tool to be used to measure how the county's growth area land is being used (read the story)Not quite in this edition but recently written all the same:* Board of Visitors names Darden Dean as next UVA president* Charlottesville City Council makes appointments (link to Substack)* Rezoning sought for between 22 and 110 more units in Hollymead in AlbemarleShout-out to Patreon-fueled shout-outs!Since the beginning of this newsletter, several organizations and one business have been supporters of Town Crier Productions with a $25 monthly contribution funded through Patreon or some other financial method! That system is slowly giving away to something different but I thought I would take this special Monday morning slot to thank the following for still sticking to it:* Alliance Francaise* Camp Albemarle* Charlottesville Area Tree Stewards* Charlottesville E-Bike Lending Library* Cville Jazz Society* Design Develop* Plant Virginia Natives* Re-Leaf* Rivanna Conservation Alliance* WTJUIf you have a moment, take a look at any of the ones that sound interesting to you. Learn something new!A new system of shout-outs will come into place in 2026 and if you are interested in sponsorship opportunities, please drop me a line. I'm a one-person information outlet and for that number to go up, I have to continue to grow revenue. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit communityengagement.substack.com/subscribe

In this episode, we break down the Trump administration's decision to triple “self-deportation” payments for people in the U.S. illegally and why critics are calling it a “Christmas gift.” In this episode, we weigh the practical case—lower detention and court costs, faster removals, clearer enforcement outcomes—against the fairness and optics arguments fueling the backlash.Get the top 40+ AI Models for $20 at AI Box: ⁠⁠https://aibox.aiSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tesla's more luxurious, longer-wheelbase, six-seat Model Y L looks set to enter another new region, setting it up for a potential global rollout sooner rather than later. Plus: Cybertruck earns a top safety rating, Ford sadly discontinues the fantastic F-150 Lightning, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps, and you can support for just $5 per month. And there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!). 

Merry Christmas! In this (rather unhinged) episode, Megan and Steven talk through some real stories of dating red and green flags that they've seen from real dating couples (AKA their Naughty and Nice lists). We wish all of you a blessed and happy holiday season! 50% off of your matchmaking experience until the end of the year, and men can get started for free! Check https://www.synchronyproject.com to register. Men: Join the Discord server here! https://discord.gg/hqZmtuMws9 Singles at SEA 2026: Payment due November 23rd, 2025! We'll be setting sail February 6-9, 2026 out of Miami, Florida on Wonder of the Seas and visiting The Bahamas! Prices subject to change, but you only need $200 to book a cabin/$100 per person if you book with a friend. Call Chelsea Fennell at 864-901-8233 Email: spinell@dreamvacations.com Get the From Singles, to Shepherds Info Guide Here! https://the-synchrony-project.mykajabi.com/from-singles-to-shepherds Contact: If you want to join the conversation about this topic and give your thoughts, reach out on Instagram, Facebook, YouTube, or at questions@synchronyproject.com. Learn more about our matchmaking services and dating resources at https://synchronyproject.com. Intro/Outro music by: Balloon Planet, "Write Your Own Story," https://artlist.io/royalty-free-music/song/write-your-own-story/135437

**This episode was recorded in October**If you're frustrated that your weight, cravings, blood sugar, or health “aren't fixing fast enough,” this episode is your reality check.In this episode of the Food Freedom Podcast, Coach Mary breaks down why true healing from food addiction, emotional eating, and metabolic damage cannot happen on a 30-day timeline and why expecting quick fixes keeps so many people stuck in relapse, burnout, and self-blame.You'll learn why detoxes, supplements, and medications often provide short-term symptom relief but fail to create lasting change, how biology actually heals at its own pace, and why consistency, not urgency, is the key to real food freedom.Mary explains how years of stress, processed foods, dieting, and using food as a coping mechanism reshape your body and brain and why reversing that damage requires patience, a roadmap, and stacked daily wins over time.If you're tired of chasing fast results and ready to build real, sustainable healing from the inside out, this episode will help you shift your mindset and stay committed to food sobriety for the long haul.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.

The status quo is expensive, exhausting, and unsustainable—so we set out a practical playbook to do better in 2026. Nathan Kaufman shares ten no‑nonsense resolutions for health system leaders who want measurable outcomes, stronger teams, and smarter payer strategies without falling for vendor hype or wishful thinking.We get specific about capital discipline and why “mission” can't justify chronic losses that drain resources from services that actually improve patient care. We talk through what it takes to win the talent war by treating physicians as true partners, then dive into dyad leadership that cuts across supply chain, HR, and IT to remove friction and accelerate results. Culture becomes operational with real-time metrics, fast feedback loops, and leaders spending more time in the field and less time in meetings that signal low trust and unclear decisions.Payment strategy is front and center. We explain how to use 340B responsibly to close funding gaps, why some value-based schemes are a race to the bottom, and how to negotiate Medicare Advantage so contracts yield at least 100% of Medicare after accounting for administrative burden. Affordability demands that we take significant cost out by removing layers, standardizing clinical pathways, and focusing on core services rather than chasing panaceas like provider-owned health plans or sponsored “research” that flatters a product.If you're ready to lead with data, align teams, and make tough calls that protect patient access and quality, this conversation is your roadmap. Subscribe, share with a colleague who needs a dose of operational courage, and leave a review telling us which resolution you'll tackle first.Support the showEngage the conversation on Substack at The Common Bridge!

Crypto News: XRP exchange-traded funds have surpassed $1 billion in assets. Bitwise files with SEC to offer spot Sui ETF. Intercontinental Exchange (ICE), owner of the NYSE, is in talks to invest in crypto payments firm Moonpay.Brought to you by

Thank you to 0x and Polygon for supporting this stream.    00:00 Introduction to Boys Club Live 01:32 Guest Lineup and Show Overview 02:33 Big News with Polygon 06:53 Year in Review  17:58 AI Design and Branding with Jamey Gannon 36:09 The Payment Stack with John Egan 43:04 Challenges of Cross-Border Transactions 43:58 The Role of Stablecoins and Blockchain 45:38 Competing with Established Brands 47:58 Polygon's Unique Position and Vision 53:21 The Future of Global Payments and AI 57:52 Retail Trading with Andrew McCormick 01:14:40 Throuples in WSJ 01:25:31 Introducing @Quasimatt 01:26:32 True Religion Jeans Comeback 01:29:22 Cultural Moods of 2025 01:40:22 Pete Davidson's Tattoo Removal 01:45:32 Six Seven Meme and Cultural Trends 01:51:46 Personal Cultural Moods for 2026 01:57:19 Closing Thoughts and Wrap-Up  

As the payments industry looks toward 2026, many agents and ISOs are realizing the traditional agent model is under pressure. In this episode, James Shepherd sits down with Keith Sampson for an honest conversation about burnout, goal setting, and why chasing high splits often leads to unsustainable businesses. Keith shares lessons from building and exiting companies, navigating personal and professional burnout, and rethinking how payments fits into a larger long-term strategy. Together, they break down why the agent model is changing, how to think differently about referral versus dealer structures, and what it really takes to build lasting wealth in today's integrated payments landscape. The episode also includes a Today in Payments segment with Patti Murphy, covering timely industry news and updates not included in this interview.

Self-esteem plays a much bigger role in food addiction, binge eating, and emotional eating than most people realize.In this episode of the Food Freedom Podcast, Mary breaks down how low self-esteem, inflated confidence, and healthy self-esteem show up in food addiction recovery and how shame, self-criticism, and perfectionism quietly keep people stuck in the binge-restrict cycle.You'll learn:​ How low self-esteem fuels emotional eating and relapse​ Why “confidence” and willpower aren't the same thing in recovery​ The difference between inflated self-esteem and true self-trust​ What healthy self-esteem actually looks like in food sobriety​ Practical ways to rebuild self-esteem without relying on food or dietingIf you've ever felt broken, weak, or frustrated by your relationship with food, this episode will help you understand what's really going on beneath the surface and how to start healing from a place of structure, compassion, and accountability.This episode is for women struggling with food addiction, binge eating, compulsive eating, emotional eating, and disordered eating who want lasting freedom and not another diet.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Warrior Payments and BIG Inflation News Breaks | Mundo Clip 12-18-25See omnystudio.com/listener for privacy information.

Financial institutions are rethinking loyalty at a critical moment. Credit card spending sits at record highs, but economic uncertainty looms. For banks aiming to stay relevant, loyalty can no longer be an afterthought – it needs to be embedded into every customer experience from the start. At FIS's Emerald 2025 conference in Orlando, Mladen Vladic, general manager of loyalty services at FIS, sat down to discuss how the loyalty industry is evolving beyond traditional card-based rewards. His central argument: Financial institutions need to shift from chasing share of wallet to capturing share of mind first.

What if food sobriety wasn't about restriction, control, or “being good”… but about peace?In this episode, I'm sharing what food sobriety truly means to me after nearly 12 years in recovery. Not the polished version, but the real one, showing up for myself, feeling emotions instead of escaping them, building self-trust, setting boundaries, and finally living with clarity and presence.Food sobriety didn't shrink my life it expanded it. It brought mental peace, authentic joy, and the freedom to be fully myself without apology.If you're tired of battling food, stuck in emotional eating, or longing for a calmer relationship with food and with yourself, this episode will help you reframe what recovery can actually look like.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Growth shouldn't stall at the border. We sit down with Peter Dougherty, President of Spreedly, to unpack how an open payments platform helps global brands launch faster, reduce vendor risk, and optimize authorization rates without ripping out their stack. Peter traces the evolution from card‑centric orchestration to a broader layer that now includes tokenization, a secure token vault, fraud and KYC options, and connections to multiple processors and alternative payment methods. The takeaway: best‑of‑breed no longer means complexity and long timelines - it means resilience, data‑driven choices, and faster expansion.Peter also looks ahead to a future where agents become the front end of commerce. Discovery, selection, and purchase compress into milliseconds, and payments infrastructure has to keep up. We dig into how mandates, consent, and spending limits will work when agents transact on our behalf; how liability flows when something goes wrong; and why token management becomes the backbone for secure, delegated payments. He shares why platforms that can safely feed agents with PCI‑sensitive data will win as volumes surge across regions and rails.We ground the hype in reality too. Payments is the fastest moving oil tanker - innovation is constant, but adoption takes time. EMV took decades; stablecoins still trail cards and the fastest‑growing APMs. For leaders, the smart move is to build behind an abstraction layer that lets you A/B test processors, adopt new methods, and swap tools without disruption. If you're pushing into new markets or preparing for agentic commerce, this conversation will help you rethink checkout, time to market, and resilience at scale. 

Happy Holidays! Join FPC Executive Director and CEO Reed Luhtanen as he goes off the rails with Mike Bilski of North American Banking Company. Reed and Mike talk about how faster payments volume continues to grow for his bank, how Mike and North American Banking Company have long been leaders who invest in payments innovations that truly provide returns, and how our Minnesota Twins could look in 2026.

Where Science, Shadow Work, and Spirit Collide to Manifest Your Miracles.A few weeks ago, I learned something that cracked me open and then crowned me. Every single woman on my street had been talking shit about me. Studying me. Picking apart my clothes, my body, my energy, my podcast, my business. Every day. For seven months. And when I found out? It broke me. But then I remembered. People don't gossip about powerless women. They gossip about the ones they secretly wish they could be.They weren't attacking me. They were attacking the version of themselves they abandoned. And their nervous systems couldn't handle my freedom. My joy. My light. I'm gonna show you how to turn their gossip into your next quantum leap.Episode Takeaways:Understand the neuroscience behind jealousy and projectionLearn how your light activates others' unhealed shadowsUse the 4 R's: Recognize, Reframe, Reclaim, RedirectReframe gossip as confirmation of your timeline upgradeEmbody the identity they're too scared to step intoWhen you apply this, you stop shrinking. You start showing up bigger, bolder, louder. You realize their hate isn't your downfall. It's your f*cking upgrade. Let them talk. You move.

The son of Rob Reiner is expected to be arraigned, and now with a high-profile attorney. Warner Brothers tells its investors to reject Paramount's hostile takeover attempt. SoCal Edison makes its first payment to an Eaton Fire survivor, but not everyone is taking the cash. Plus, more from Morning Edition. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency!Support the show: https://laist.com

Producer Guy and Kieran look into whether clubs impose limits on player bonus payments, and discuss the difference between FFP and PSR. Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow The Price of Football on X - @pof_pod Send in a question: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠questions@priceoffootball.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join The Price of Football CLUB: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://priceoffootball.supportingcast.fm/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Check out the Price of Football merchandise store: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://the-price-of-football.backstreetmerch.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit the website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://priceoffootball.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For sponsorship email - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@adelicious.fm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Price of Football is a Dap Dip production: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://dapdip.co.uk/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠contact@dapdip.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Charlie Lee, creator of Litecoin, joined me to discuss the latest developments in the Litecoin ecosystem.Topics: - Creation, Adoption, and Growth of Litecoin - Litecoin Digital Asset Treasury - Lite Strategy - Litecoin spot ETF - Starting a new crypto- Future of Crypto Brought to you by

Tesla has delivered a stuffed stocking to its customers in the form of this year's holiday software update that adds over a dozen new features to the cars. Plus: more clear indications that the new Tesla Roadster is finally going to get built, Rivian unveils its new custom full-self-driving chip, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!).