Podcasts about Planning

From speaking at three major wealth management conferences in a single quarter to mapping out a pattern that's already reshaped accounting and is now creeping into law and the trades, Corey Kupfer breaks down the barbell effect and what business owners should be doing now to avoid getting caught in the middle. WHAT YOU'LL LEARN: In this episode, you'll discover what the barbell effect is and why it shows up across industries once consolidation and outside capital enter the picture, how accounting's shift from the Big Eight to the Big Four foreshadows what may be coming in wealth management, and why most deals positioned as mergers are actually acquisitions in disguise. Corey explains why firms stuck in the middle face higher overhead than small competitors and fewer resources than large ones, and how the same dynamic is showing up in the trades, from roofing to electrical. KEY INSIGHTS: The barbell effect describes what happens as an industry consolidates: large, well funded firms on one end, small boutique firms on the other, and the middle becoming the hardest place to operate, with higher overhead than small competitors and fewer resources than large ones. The accounting industry offers a preview of where wealth management may be headed. Corey points to the shift from the Big Eight to the Big Four, and to firms like Eisner and Amper merging to compete at a higher level, along with Apria's growth through acquisition. In legal, only attorneys can own law firms in most states, but Corey describes private equity entering through a managed services model similar to healthcare, where a non-legal company runs the back office while attorneys retain ownership of the practice. Corey shares a comment from his Entrepreneurs Organization lawyers group, that it is much easier to run a law firm under two million dollars or over ten million dollars in revenue than to be stuck in the middle, connecting this to the crossing the chasm dynamic of investing ahead of payoff. Drawing on NAPFA in Minneapolis, Corey notes many members are choosing not to sell to PE backed aggregators, even leaving value on the table, out of concern for fiduciary alignment, while noting he is relaying their perspective rather than judging it. He also points out most "mergers" are actually acquisitions, cites the 2026 Advisor Growth Strategies Report and DeVoe's data showing fewer buyers chasing more sellers and average seller AUM crossing a billion dollars, and closes by noting the same barbell dynamic in the trades, where consolidators and mom and pop firms both persist while the middle gets squeezed. Perfect for RIA owners weighing independence, succession, or sale, leaders of growing companies assessing their industry's consolidation cycle, and anyone navigating competition in the middle market. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/barbelleffect FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00:04] - Introduction: the barbell effect and why Corey is talking about it now [00:04:23] - The NAPFA community conversation on succession and exit options aligned with values [00:08:37] - What the barbell effect is and why the middle becomes the hardest place to compete [00:12:21] - Why it's easier to run a law firm under two million or over ten million in revenue than to be stuck in the middle [00:16:14] - NAPFA advisors and the choice to stay independent from PE backed aggregators[00:19:55] - The barbell effect in the trades: roofing, gutters, and electrical consolidation[00:21:55] - Planning for industry evolution instead of being surprised by it Host Bio Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes Episode 350 - Tom Dillon: Building a firm positioned for acquisition and succession Episode 339 - Solocast 74: Building your G2 and creating optionality for internal successionEpisode 331 - Solocast 72: Reading macro and industry trends without letting personal views distort business decisionsEpisode 327 - Solocast 71: Using authority marketing to build relationships and deal flow Keywords/Tags barbell effect, industry consolidation, RIA independence, private equity wealth management, mergers and acquisitions, internal succession planning, mergers of equals, middle market squeeze, fiduciary advisors, NAPFA, accounting industry consolidation, legal industry private equity, managed services organization, crossing the chasm, RIA exit planning, trades industry consolidation, deal driven growth, 2026 advisor growth strategies, business positioning strategy, exit strategy planning

Watch Us On YouTube! Announcing a new, ongoing benefit for annual subscribers of our Slack community. Annual subscribers receive a free Points Path Alerts subscription OR a 30% discount on Points Path Pro. Is the golden age of points and miles ending—or is it simply evolving? This week, Ed is joined by Summer Hull and Julian Kheel to break down Chase's controversial decision to reduce Hyatt transfer ratios for Sapphire Preferred cardholders while maintaining the existing ratio for Sapphire Reserve members. The discussion goes beyond the headline change and explores what it means for the future of transferable points, premium credit cards, and loyalty programs. Is this a one-off adjustment, or the start of a broader trend where transfer ratios vary depending on which card you carry? The team also revisits Bilt 2.0 several months after launch, discussing which features have worked better in practice than they initially expected and how members are adapting to the new ecosystem. Finally, they tackle a question that has been debated for more than a decade: Are we witnessing the end of the golden era of points and miles, or just another chapter in its evolution? Get hydrated like Ed in Vegas with Nuun Use my Bilt Rewards link to sign-up and support the show! If you enjoy the podcast, I hope you'll take a moment to leave us a rating. That helps us grow our audience! If you're looking for a way to support the show, we'd love to have you join us in our Travel Slack Community.  Join me and other travel experts for informative conversations about the travel world, the best ways to use your miles and points, Zoom happy hours and exciting giveaways. Monthly access Annual access Personal consultation plus annual access We have witty, funny, sarcastic discussions about travel, for members only. My fellow travel experts are available to answer your questions and we host video chats multiple times per month. Follow Us! Instagram: https://www.instagram.com/milestogopodcast/ TikTok: https://www.tiktok.com/@milestogopodcast Ed Pizza: https://www.instagram.com/pizzainmotion/ Richard Kerr: https://www.instagram.com/kerrpoints/ ✈️  What We Cover in This Episode ✈️ Chase changes Hyatt transfer ratios • Sapphire Preferred vs Sapphire Reserve differences • Why the change matters beyond Hyatt • Who is most affected by the new structure ✈️ Is Chase or Hyatt driving the change? • Theories behind the new transfer ratio • What Bilt may tell us in the future • Why everyone is watching closely ✈️ The future of transferable points • Could other partners see different transfer ratios? • Premium card differentiation • Why simplicity may be disappearing ✈️ Is the Sapphire Preferred still worth it? • Who benefits most from the changes • Annual fee considerations • Comparing Preferred and Reserve value ✈️ Bilt 2.0 several months later • Features that proved easier than expected • Mortgage and rent payment experiences • Real-world use of Bilt Cash ✈️ Managing Bilt Cash balances • Rollover limitations • End-of-year planning strategies • Potential redemption opportunities ✈️ Points Path updates • New flexible alerts coming soon • Award repricing opportunities • Benefits available to Slack members ✈️ Is the golden age of points and miles over? • Why this debate never goes away • How loyalty programs continue evolving • Where travelers can still find value   ⏱️ Episode 441 Timestamps  ⏱️ Episode 441 Timestamps 4:02 – Chase changes Hyatt transfer ratios 7:15 – Who wins and loses from the Sapphire Preferred changes? 10:09 – Is Chase or Hyatt responsible for the new transfer ratio? 16:08 – Are hotel transfers still worth it? 20:50 – Will more transfer partners be affected next? 25:00 – Bilt 2.0: what works better than expected? 29:52 – Planning around Bilt Cash expiration rules 31:27 – Points Path updates and new flexible alerts 33:37 – Is the golden age of points and miles ending? 35:48 – Why premium credit cards keep getting more expensive              

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Isaiah Tatum. A 24-year-old entrepreneur, touring artist, and hotel owner:

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

It's a big year for all of us ‘96 babies, which means our calendars are filled with lots of birthday parties! We talk about how birthday parties look now (in our late twenties/early thirties) vs. how they looked when we were younger. We also talk about various factors that we consider when throwing a birthday party, from scheduling to cost to activities!Support the showFollow us on social media @eatyourcrustpod

Seth, Sean and Raheel react to Vince Goodwill calling the O'Brien trophy a participation trophy, plan the perfect Houston day for those visiting for the World Cup games, and discuss what they loved and hated from the Astros' win last night.

Seth, Sean and Raheel discuss all the folks from around the world in town for the World Cup games and lay out the top places to see, eat and experience while in Houston.

How can leaders turn uncertainty, which can feel like fear, into an opportunity for growth? In this episode, Kevin sits down with Dr. Rebecca Homkes to explore why volatile times require a different approach to strategy. Rebecca explains that uncertainty is not automatically bad; it is simply a set of future events that may or may not occur. Leaders have a responsibility to help their teams reframe it as a chance to learn and grow faster. Kevin and Rebecca discuss why traditional strategy tools often assume too much certainty, how language and meeting rhythms can unintentionally push teams into protection mode, and why asking "has the situation changed?" is more useful than simply asking whether we are on track. They also explore the importance of moving from survival mode to reset mode, clarifying your right to win, and recognizing that a growth mandate is also a change mandate.   Listen For 00:00 Why we hit reset to thrive in uncertain times 01:46 Meet Dr. Rebecca Homkes 03:08 Why she wrote Survive, Reset, Thrive 04:52 The big idea: uncertainty is a time to grow 05:49 What strategy is — and what never changes 08:03 Why "uncertain" doesn't have to mean "bad" 11:58 Learning velocity: the #1 differentiator 14:10 Two types of uncertainty and the paralysis trap 16:20 Planning vs. preparing 19:29 The reset: a growth mandate is a change mandate 21:00 Parallel pathing: execute while you build 23:23 Where to start 24:44 Hard resets — Starbucks, Nike, Disney 26:15 What Rebecca's reading 28:03 Where to learn more and get the book 28:38 "Now what?" — the question that matters Rebecca's Story: Dr. Rebecca Homkes is the author of Survive, Reset, Thrive: Leading Breakthrough Growth Strategy in Volatile Times. She is a high-growth strategy specialist and the founder of a boutique consultancy firm, advising CEOs and executive teams focused on growth and success through uncertainty. She is a faculty member at Duke Corporate Executive Education, Lecturer at the London Business School (LBS) Executive Education, Advisor and Faculty at BCGU (Boston Consulting Group), and previous Fellow at the London School of Economics (LSE)'s Centre for Economic Performance. Dr. Homkes is also the director of the Young President's Organization (YPO) global Active Learning Program (ALP); a former partner with GrowthX, a Silicon Valley investment ecosystem and innovation consultancy; and the faculty lead of fintech scaleup accelerators. http://www.linkedin.com/in/rebecca-homkes Looking to Develop Stronger Leaders? Want help developing the leaders in your organization? Reach out to explore how the Kevin Eikenberry Group can support your team. Email Us   Book Recommendations Survive Reset Thrive — Rebecca Homkes Flexible Leadership — Kevin Eikenberry 1929 — Andrew Ross Sorkin Like this? The Human Side of Innovation with Mauro Porcini This is Strategy with Seth Godin Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes    Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group  

00:00 Why "just rest" isn't helpful advice for high-achievers02:18 Why traditional rest feels stressful for Type-A personalities04:32 Finding what actually recharges you06:54 You can't give 100% to every area of your life08:03 Planning ahead to avoid burnout and enjoy your social life09:16 Why sleep changed everything for me10:07 Summer mindset shifts: discipline vs. making memories13:09 Enjoying your life without abandoning your goals13:58 Alcohol, tequila sodas & healthier drinking habits17:50 Calories, wellness culture & tracking food without obsession22:35 Men's dating icks about women—and my thoughts24:58 Princess treatment, manners & feminine energy27:19 Why talking too much can hurt dating interactions29:42 Time management, being late & respecting people's time32:07 Open body language and changing your dating mindset35:16 Summer fun, taking life less seriously & embracing your lore36:48 Boy moms, patriarchy & raising emotionally healthy boys43:50 TikTok as a learning tool, macros & quick Q&A45:38 Final thoughts & summer vibes

If private practice has felt harder lately, you're not imagining it. Caseloads can take longer to fill, marketing strategies that once worked may not be working the same way, and many therapists are carrying more anxiety about money than they were a few years ago. This week, I'm joined by Diane Webber, a coach in both Money Skills for Therapists and Money Skills for Group Practice Owners, to talk about how we've been responding to these shifts inside our own work. We share some of the changes we've made in our business, from changing our outward-facing name and restructuring programs to creating more community and bringing fresh energy onto the team. More than anything, this conversation is about what it looks like to stay present, curious, and responsive when the things you've relied on no longer work the way they used to.Ready to feel more calm and confident about your money? Do you feel confused, ashamed, or uncertain about your finances? Are you craving support to help shift your money mindset and transform your relationship with money? Are you ready to develop the skills and confidence you need to finally take control of your business finances and build a practice that actually takes care of you? If so, I'd love for you to join me for one of my free online workshops, designed specifically for private practice owners who feel stuck—whether it's mindset blocks, avoidance, or the technical side of managing money. In just one hour together, you'll learn practical tools, strategies, and next steps to move forward in your business (and your life) with clarity, intention, and ease. Click here to explore upcoming workshops and save your spot or register to get the replay.Responding to Shifts Without Blaming Yourself When something stops working in your practice, you might assume you've done something wrong. But often, that's not the case— it's that the market has changed, your clients' needs have shifted, or the offer, structure, or support system that once worked is ready to evolve. Diane and I talk about how helpful it can be to move from self-blame into curiosity. Instead of asking, “Why isn't this working anymore?” we can ask, “What is this showing me?” Adapting your practice doesn't mean you need to have all the answers right away. Small, thoughtful changes — like experimenting with new forms of support, rethinking your marketing, adjusting a program structure, or bringing in team members who help you see things differently can create a lot of clarity over time. Small Experiments Beat Waiting for Certainty Meaningful change in your practice can come from a series of small decisions day by day rather than one major breakthrough. (00:03:13) Changes in therapy practices (00:08:37) Finding authentic practice direction (00:12:17) Bringing in new team energy (00:15:23) Teaching financial literacy for therapists (00:18:33) Handling unexpected events gracefully (00:30:04) WhatsApp community for practice owners (00:32:39) Returning to a cohorted program model (00:36:34) High-touch support in a four-month program (00:39:15) Planning programs and client schedules (00:42:32) The importance of taking sabbaticals You Don't Have to Figure Out Your Next Chapter Alone So many of the changes we've made this year have come from wanting more connection, support, and clarity. As a business owner, it's easy to believe you need to figure everything out on your own. But growth is often more sustainable when you allow yourself to receive support. That support can come through coaching, community, trusted colleagues, or a stronger team. It can also come from taking a step back, getting honest about what is and isn't working, and being open to making the shifts that become apparent once you have a little more perspective. If you'd like to connect with other therapists, health practitioners, and listeners of Money Skills for Therapists to talk about episodes, ask questions, share insights, and get support, you can join our private WhatsApp community. Email hello@moneynutsandbolts.com and we'll send you an invite! About Linzy Bonham: Linzy Bonham is a therapist turned money coach who helps private practice owners and health professionals feel calm, confident, and in control of their finances through her podcast, free workshops and comprehensive programs: Money Skills for Therapists and Money Skills for Group Practice Owners. It all started when she saw her extremely skilled colleagues struggle with the money side of business. Some had even left private practice, or were avoiding starting one, because managing finances was just too stressful. So Linzy set out to support helpers and healers with developing peace of mind about their money. Since so many were never taught money skills, she focuses on the “how” of making the business side of private practice doable — and even super satisfying. Follow Linzy Bonham: About Page: https://moneyskillsfortherapists.com/about LinkedIn: https://www.linkedin.com/in/linzybonham/ Instagram: https://www.instagram.com/moneyskillsfortherapists/ About Diane Webber: Diane is a licensed professional counselor and certified financial social work counselor with a fully online private practice in Northeastern Pennsylvania where she serves clients experiencing financial anxiety, general anxiety, strained relationships, and grief & loss. Diane is also a proud member of the Money Skills for Therapists coaching team, enthusiastically celebrating successes as members of the program redefine their money mindsets and sharpen their money skills.

Six years and three championship rings after her first visit, Janet Marie Smith, Senior Vice President of Planning and Development for the Los Angeles Dodgers, returns to talk to the boys about the importance of preserving the cultural significance and legacy of the team, Dodger Stadium's new display celebrating the lives of Glenn Burke and Billy Bean and, of course, her favorite ballpark food. This week's podcast was brought to you by  Teambrown Apparel, Old Fort Baseball Co and Patrick's Custom Painting.

What does it take to drive growth, lead change, and build winning sales organizations? In this episode of Sales Lead Dog, Christopher Smith sits down with Rodrigo Hijar, Head of Sales Strategy and Planning at Vilore Foods Company, to discuss sales leadership, growth strategy, change management, consumer behavior, CRM, and the future impact of AI on sales organizations. Rodrigo shares lessons from his journey through management consulting, revenue growth strategy, and consumer goods leadership. He explains why showing up consistently, staying ready for opportunity, and embracing change are critical to long-term success. The conversation explores how sales strategy teams can partner more effectively with sales leaders, why change management often fails, and how AI is beginning to reshape the role of CRM and sales planning. What You'll Learn • Why showing up consistently is one of the biggest drivers of success • How luck and preparation work together to create opportunities • The difference between B2B and consumer-focused sales organizations • Why sales leadership requires a unique approach to management • How sales strategy teams can create greater organizational impact • The keys to successful change management initiatives • Why sales and strategy teams must operate as one organization • How CRM should help predict what happens next, not just track activity • Why AI will transform sales planning and decision-making • How high-performing teams embrace growth and change About Rodrigo Hijar Rodrigo Hijar is Head of Sales Strategy and Planning at Vilore Foods Company, where he helps drive commercial growth, organizational transformation, and strategic planning initiatives. With more than 12 years of experience advising and leading consumer goods organizations across the United States and the Americas, Rodrigo brings deep expertise in revenue growth management, pricing strategy, pack-price architecture, promotional optimization, trade terms, and commercial strategy. His career spans management consulting and consumer goods leadership, helping organizations unlock growth opportunities while building sustainable commercial capabilities. Connect with Rodrigo Hijar LinkedIn: https://www.linkedin.com/in/rodrigo-hijar/ Learn More About Vilore Foods: https://www.vilore.com/ About Sales Lead Dog Sales Lead Dog is hosted by Christopher Smith, CRM technology and sales process expert, and founder of Empellor CRM. Each episode features sales leaders who have separated themselves from the rest of the pack, sharing how they achieve success with their teams and their CRM strategy. Unless you are the lead dog, the view never changes. Connect and Learn More All episodes and show notes: https://empellorcrm.com/salesleaddog/ If this episode brought you value:

Episode 312 for the week of June 15, 2026 ...  and this is what is going on in our Disney World...Jason's Trip Update- How are his days coming together, and what tour did he book?Starts @3:16 ...Construction Update-  Update to Monstropolis plans?Starts @7:16 ...What Are We Feeling Positive About Related to Disney Right Now?-  Right now there are a lot of things that Disney seems to be doing right that has us exited about the parks and the company ... and we talk through them!Starts @9:52 ...What One Thing Would We Change About Each Magic Kingdom Land?-  We go land by land in the Magic Kingdom and each list one thing we would change about itStarts @41:51 ...* Reminder to like, subscribe, rate, and review the DBC Pod wherever you get your podcast *Send us an e-mail! .... thedbcpodcast@gmail.comFollow us on social media:- LinkTree: https://linktr.ee/thedbcpod - Bluesky: @thedbcpod.bsky.social- Instagram: https://www.instagram.com/TheDBCPod/- Twitter: https://twitter.com/TheDBCPod- Facebook: https://www.facebook.com/TheDBCPod- YouTube Channel: https://www.youtube.com/thedbcpod- Discord Server: https://discord.com/invite/cJ8Vxf4BmQNote: This podcast is not affiliated with any message boards, blogs, news sites, or other podcasts

Nick Cellini and Chris Dimino talk everything Atlanta Sports, the National Sports picture and the current (and WAY back when) in pop culture! Get the latest and your fill of Atlanta Braves, Georgia Bulldogs, Atlanta Falcons, Atlanta Hawks daily from two "Southern" Yankees daily Mon-Fri from 10a-2p! The 11 o'clock hour is brought to you by TRAJAN WEALTH; Planning for tomorrow starts today. Visit Trajan Wealth dot com to learn more about retirement and state planning WES DURHAM, voice of the Falcons, sits in for the hour See omnystudio.com/listener for privacy information.

In Part 2 of this Live listener Q&A episode, Wade Pfau and Alex Murguia tackle several retirement planning topics, including Social Security claiming strategies for spouses with age differences, how younger workers should think about Social Security's long-term solvency, whether to assume future benefit cuts in retirement projections, the impact of the "widow's penalty" on tax planning and Roth conversions, evaluating an older variable annuity with high fees, tax considerations when selling investments in a taxable account, and how to think about maintaining portfolio discipline during retirement. Throughout the discussion, they emphasize balancing planning conservatism with practicality, avoiding unnecessary forecasting, and making decisions that support long-term retirement goals rather than reacting to headlines or uncertainty.   Takeaways When spouses have similar Social Security benefits, but one spouse is significantly older, the older spouse often has the strongest case for delaying benefits until age 70 because that higher benefit is more likely to become the survivor benefit. Younger workers may not need to heavily discount future Social Security estimates because projected wage growth could offset a significant portion of any future benefit reductions. For retirees already near claiming age, assuming a 25% reduction in future Social Security benefits can be a reasonably conservative planning assumption. The eventual Social Security reform package is unlikely to rely solely on benefit cuts and will more likely include a combination of tax increases and benefit adjustments. The "widow's penalty" can significantly increase taxes for a surviving spouse because income often remains similar while tax brackets and Medicare thresholds become less favorable. Potential future tax increases and the widow's penalty are both compelling reasons to consider Roth conversions even when current projections suggest little immediate tax benefit. High-fee variable annuities should be evaluated carefully, especially to determine whether valuable income guarantees justify the ongoing costs. If guaranteed income sources such as pensions and Social Security already cover essential expenses, a variable annuity can potentially serve as a bridge strategy to delay Social Security benefits. When selling investments from a taxable account, maintaining the portfolio's target asset allocation is generally more important than trying to predict which investments will perform best or worst next. Tax-efficient selling decisions often come down to managing capital gains by choosing whether to realize gains from low-basis or high-basis shares depending on the investor's broader tax situation.   Chapters 00:00 Social Security Strategies for Couples 06:28 Concerns About Social Security Reliability 10:16 Planning for Future Social Security Benefits 13:20 Roth Conversions and Tax Planning 18:18 Evaluating Variable Annuities 22:24 Taxable Account Management Strategies 25:05 Maintaining Asset Allocation Discipline 27:53 Tax Considerations in Asset Sales   Links

What if the biggest threat to your retirement isn’t the market—but something far more personal and unpredictable? In this episode, Jim Fox takes a raw look at how healthcare, long-term care, and unexpected life events can impact retirement plans. The conversation highlights why planning goes far beyond investments, covering income gaps, Medicare complexities, and the rising cost of care. Jim explains why these real-world risks are often overlooked—and why building a strategy that accounts for them can make a meaningful difference when life doesn’t go according to plan. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Three teenage boys were convicted of 17 sexual offences including 11 rapes of two separate girls, one at knifepoint. Despite this, Judge Nicholas Rowland determined that none of the boys should go to prison as he did not want to ‘criminalize them unnecessarily.'    To understand this egregious decision that has quite rightly sparked national outrage, Laura shares her forensic deconstruction of Judge Rowland's 23-page sentencing remarks in the context of the sentencing guideline and the increasing levels of male violence to girls and women. It's worse than you might have thought.    This is not just about one case. Laura raises urgent questions about who the criminal justice system is protecting drawing on her experience as former Head of the Homicide Prevention Unit and Head of the Sexual Offences Section at New Scotland Yard.    In this episode, Laura examines:  Judge Nicholas Rowland's sentencing remarks and his rationale behind them in reference to the sentencing guidelines;  The lack of specific sentencing guidance relating to rape and indecent image offences committed by children;  How the boys grooming and planning behaviours were overlooked;  The role of coercion, intimidation, and power imbalance;  The removal of consent and the realities of victim compliance;  Planning, premeditation, and offender decision-making;  Victim blaming and the language used throughout the proceedings;  The representation of victims, offenders, and risk within the courtroom;  Psychopathy, callousness, and concerning behavioural indicators;  Why pattern recognition and behavioural analysis matter in assessing future risk;  The broader implications for public safety, accountability, and prevention.  If you have not already listened, Laura previously analysed the broader Hampshire serial gang rape case, the offenders' histories, the warning signs, escalating behaviours, and the systemic failures that allowed dangerous patterns to go unchecked. Listen here:  https://www.crime-analyst.com/convicted-serial-rapists-walk-free-with-ps26-fine/    Laura also discusses the petition calling for Judge Nicholas Rowland to be investigated and for the introduction of an independent Judicial Accountability Framework.    ACT NOW:  Sign the petition Write to your MP  Write to Justice Secretary David Lammy  Write to Prime Minister Keir Starmer  Write to Attorney General Richard Hermer  Letter Templates Enough is enough.   

Have you ever noticed how often the mind lives somewhere other than here? Replaying yesterday. Planning tomorrow. Waiting for life to begin. Yet the most extraordinary truth is this: your life is happening now. Today's meditation is centered around the affirmation: "This moment is a gift." Together, we'll explore how mindfulness helps us step out of autopilot and awaken to the beauty, wisdom, and opportunities hidden within ordinary moments. You'll discover why the present moment is the only place where peace can be found, and how a simple shift in awareness can transform the way you experience your day. If you've been feeling rushed, distracted, overwhelmed, or disconnected, this meditation offers a gentle invitation to slow down and come home to yourself. Because the life you've been waiting to enjoy may already be here. Today's affirmation: "This moment is a gift." Take a deep breath, settle into stillness, and let's discover what this moment has been waiting to show you. A DAILY MESSAGE FOR YOUR HEART Dear Friend, What if the moment you've been waiting for isn't in the future? What if it's this one? So often, we rush through our days believing that peace, happiness, or fulfillment will arrive later—when life is less busy, less complicated, or more certain. But life is happening now. Not tomorrow. Not someday. Right here, in this breath, in this moment. Today, I invite you to slow down just enough to notice the gift that's already in front of you. You don't need to change anything or become anyone else. Just be here. Because this moment has never existed before, and it never will again. And perhaps it has something beautiful to offer you. I'm grateful you're here. With love, Mary This is day 2 of a 7-day meditation series, "Mindful Living: 7 Days to Create Better Habits," episodes 2523-2529.   THIS WEEK'S MEDITATION JOURNEY YOUR WEEKLY CHALLENGE:  Find A Meditation Accountability Partner Consider inviting someone to join you on your meditation journey. Have someone you can check in with regarding your meditation ritual. Perhaps meet with this person occasionally to meditate together.

This week on Geekin' on Walt Disney World, I'm joined by two good friends from the Disney podcasting world — Scott and Karen from the Mickeyphile Podcast — for one of those conversations that feels like hanging out in the parks with your Disney pals. We start with a fun day we shared together at Epcot, including time relaxing in the DVC lounge above Figment, catching some live music, and getting a special early look at Soarin' Over America. And yes… there were gasps. Big ones. Scott and Karen bring a ton of Disney experience to the table. They're in the parks often, Scott is a cast member, Karen is deep into the travel planning world, and together they have that perfect mix of Disney knowledge, food opinions, cruise love, and geeky little details that make these conversations so much fun. Planning a Disney Vacation? If you're thinking about planning your next Disney vacation and some Epic Universe… My wife Margita and our good friend Auntie Judy are the Travelin' Tiaras — your trusted Disney travel planners. Whether you're booking Walt Disney World, Disneyland, Disney Cruise Line, Universal, or beyond, they'll help you plan a smart, stress-free vacation from start to finish. Already booked? You can transfer your reservation to us and still get expert tips, strategy, and support — and it's a great way to support the show. TravelinTiaras@gmail.com Or reach out on Facebook Messenger. In This Episode We talk about: Our spoiler-light reactions to Soarin' Over America Why the DVC lounges are such a great hidden perk Favorite current Disney experiences, including BoardWalk, Chefs de France, Citricos, and fireworks cruises Underrated gems like Tiffins, PeopleMover, Little Mermaid, and the Fort Wilderness Segway tour What cast members do behind the scenes to create unexpected magical moments Why Disney Cruise Line feels like “Disney at its best” Palo brunch, cruise fireworks, ship horns, and emotional embarkation moments Planning advice from Karen, including why flexibility matters and why choosing a resort only by price can backfire One of my favorite parts of the episode is hearing Scott talk about cast member pixie dust — those little surprise moments that can turn a guest's day completely around. We also get into what cast members appreciate from guests, and it's a really sweet reminder that kindness goes both ways in Disney World. Then the conversation shifts into Disney Cruise Line, and you can hear how much Scott and Karen love that experience. From Palo brunch to fireworks at sea to the moment your family name is announced when you board the ship, they explain why cruising with Disney hits people emotionally in a way that's hard to describe until you've done it. But the heart of the episode comes near the end. Karen shares that Disney is the place that helps her forget about everything else for a while — the place that brings her true happiness. And I think a lot of us Disney Geeks understand that feeling. It's not always about riding every ride or having the perfect plan. Sometimes it's sitting on a balcony at BoardWalk while it rains. Sometimes it's hearing the Disney Cruise Line horn. Sometimes it's walking under the Disney World sign and feeling your shoulders drop. And sometimes it's just spending time with friends who get it. Join the Geekin' Family What Disney experience keeps calling you back? Is it a resort, a restaurant, a ride, a cruise, or a simple little moment that just feels like home? Come share it with us in the Geekin' on WDW Facebook group — we'd love to hear your story. And if you've got a Disney trip report, cruise story, or special Disney memory to share, I'd love to have you come on the show. Support the Show A huge thank-you to everyone who supports the podcast through Travelin' Tiaras and through Patreon. If you'd like to help support the costs of producing the show, you can find us at: patreon.com/GeekinOnWDW Your support means so much and helps keep this Disney Geek community going strong. You can listen to Episode 672 now on your favorite podcast app. Thanks for going Geekin' on Walt Disney World with us!The post Soarin' Over America, Disney Cruise Magic, and Why We Keep Coming Back With Scott and Karen – Ep 672 first appeared on Geekin' On WDW Podcast.

487 - Can You Bring Your Dog to Disney World? Everything You Need to Know Did you know you can bring your dog to Walt Disney World? It's true — and in this episode of Disney Travel Secrets, hosts and best-selling authors Rob & Kerri Stuart break down everything you need to know about bringing your furry family member along on your Disney vacation. Let us help you with planning your next Disney Adventure As brand-new dog parents to Baby, a 2-year-old Aussiedoodle rescue, Rob & Kerri have a very personal reason to dig deep into Disney's pet policy — and they're sharing all the insider details so you don't have to guess. In this episode you'll learn: Which 4 Walt Disney World resorts are dog-friendly (and which is the BEST for pets) The exact nightly pet fees for value, moderate, and deluxe resorts What's inside the exclusive Pluto's Welcome Kit Disney gives your pup The rules around leaving your dog in the room while you visit the parks What Best Friends Pet Care offers — including pickup and drop-off service from your resort Why you should SKIP online check-in if you're bringing a dog The difference between service animals and pets at Disney World Plus: Disneyland just removed its park hopping time restriction — here's what changed Whether you're planning a Disney trip with your dog or just curious about Walt Disney World's pet policy, this episode is packed with practical tips and real-world advice from travel agents who've stayed at every Disney resort. Dog-friendly Disney resorts covered: Disney's Art of Animation Resort | Disney's Port Orleans Riverside | Disney's Yacht Club Resort | Disney's Fort Wilderness Resort & Campground

If you know me, then you know there was a time in my life where vacation spending felt so exciting in the moment…and so stressful the second I got home. I remember going on a girls trip to Vegas in my early 20s. Deep down, I knew I couldn't really afford the trip the way I was approaching it, but I went anyway. No real plan, no clear budget…just spending based on what felt good in the moment. And when I got back? Reality hit. I was scrambling to cover my normal expenses, including rent. That post-vacation stress didn't match the experience I thought I was creating. I thought I was enjoying my life, but what I was really doing was borrowing peace from my future self to enjoy the present. In this episode, we're breaking down the truth about vacation spending—what actually causes people to overspend, why guilt shows up so often around travel, and how to approach your trips in a way that lets you enjoy them fully without throwing your finances off track. Because guilt-free spending isn't about spending less…it's about spending with a plan.   In this episode, we discuss: Why vacation spending often leads to stress, guilt, or financial setbacks The two extremes people fall into: overspending vs over-restricting Why emotional spending is more likely during travel How to plan your vacation spending before the trip (not during it) Why deciding your experience matters more than just setting a budget How to structure your days to balance spending and enjoyment The importance of staying aware of your spending while traveling How to enjoy your trip without feeling restricted or financially anxious   This episode is especially helpful if you: Feel stressed or guilty after spending money on vacations Tend to overspend while traveling and regret it later Overthink every purchase on trips and struggle to enjoy yourself Want to travel more but feel unsure how to afford it responsibly Feel like you have to "recover" financially after vacations Want to enjoy experiences without sacrificing financial stability   Why this matters: Vacation spending isn't the problem. It's how you approach it. Most people fall into one of two patterns: they either overspend and deal with the consequences later…or they restrict so much that they can't even enjoy the experience. But there's a middle ground. When you plan ahead, decide what actually matters, and stay connected to your spending while you travel, everything changes. You stop making emotional, in-the-moment decisions and start making intentional ones. And that's what allows you to enjoy your trip fully…without coming home stressed, behind, or trying to fix your finances.   Timestamps: [02:45] Raya's past experiences with vacation spending tend to be a common scenario for a lot of women. [05:13] Don't wait until you're on the trip to start figuring out your finances. Planning ahead allows you to be proactive, instead of reactive with money. [09:00] When planning a trip, always start with the type of experience you want to have. This will help you plan spending. [12:20] There's a middle ground between being aware of what's happening with your money and spending while on vacation.   Resources Mentioned: Episode #30: Vacation Planning on a Budget Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   Vacation spending doesn't have to come with guilt, but it does require intention. When you plan ahead, decide what matters, and stay connected along the way, your trips stop being something you have to recover from…and start being something that fits into your life. You get to enjoy the experience and feel good when you come home…not stressed, not behind, but still in control of your money. And if you're ready to build that kind of structure and confidence with your finances (not just for vacations, but for everyday life), support and accountability can make all the difference. You can request a free money call using the link in the Resources section. You don't have to choose between experiences and financial peace. You just have to learn how to plan for both.

Check out our Patreon for a daily Lawrence Select™ Meme: https://www.patreon.com/insidegamesYTJoin the Inside Games notification Discord server for alerts when we publish new videos: http://discord.gg/ArvphbMPFJHosted by:Lawrence: http://twitch.tv/sirlarr | Bruce: http://twitch.tv/brucegreene Edited by: Shooklyn: https://linktr.ee/ShooklynSources --https://kotaku.com/xbox-shuttering-south-of-midnight-peabody-award-compulsion-games-2000706065https://peabodyawards.com/award-profile/south-of-midnight/https://www.gamefile.news/p/xbox-asha-sharma-matt-booty-interviewhttps://www.linkedin.com/feed/update/urn:li:activity:7442511014853533696/https://news.xbox.com/en-us/2026/06/10/next-100-days-xbox-reset/https://www.thegamebusiness.com/p/xbox-game-studios-boss-craig-duncan

Join Shemaiah Reed on I Am Refocused Radio for an inspiring and practical conversation with David Nassief — #1 Amazon Hot New Release author of One-Page Wealth Compass and living proof that it's never too late to rewrite your financial future. At 63, David was fired after 40 years of work, nearly broke, and just two years away from financial ruin. Six years later, he had built a seven-figure nest egg. In this episode, he shares the simple “One-Page Wealth Compass” system that turned desperation into lasting wealth — without complex jargon, risky bets, or beating the market. We dive into:The Janitor vs. The Doctor: Why a high school dropout retired with $8 million while many high-earning professionals end up with far lessHow younger listeners (25–35) can use the same “Set-it-and-Forget-it” strategy to reach financial independence decades ahead of their peersWhy 60% of NBA players go broke despite massive earnings — and how an average-income carpenter built millionsThe surprising power of “Doing Nothing” and why simplicity beats fancy strategies every timeMindset shifts that turn a “worst day” (getting fired) into the best chapter of your lifeWhether you're feeling behind at any age, worried you started too late, or want to escape the “cubicle-for-life” trap, David's story delivers hope, clarity, and an actionable roadmap to age-defying financial freedom and a powerful second act. Tune in for raw honesty, timeless wisdom, and the encouragement you need to refocus your money mindset and take control of your legacy. One-Page Wealth Compass is available on Amazon and wherever books are sold. Learn more: onepagewealthcompass.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.Subscribe now at YouTube.com/@RefocusedNetworkThank you for your time. 

With Jordan back on the sticks, Niki, merritt and John attempt to tackle their biggest responsibility of the year: Planning for Gimmick Month. Welcome to If You're Driving, Close Your Eyes, a listener-supported comedy podcast where three noble explorers chip away at the crumbling foundations of reality, five or six simultaneous topics at a time. Hosted by Niki Grayson, merritt k and John Warren, and produced by Jordan Mallory, with music by Jordan and art by Max Schwartz.Follow us on Bluesky: https://bsky.app/profile/ifyouredriving.bsky.socialSupport us on Patreon: https://www.patreon.com/ifyouredriving Hosted on Acast. See acast.com/privacy for more information.

President Trump and Pakistan's prime minister say the U.S. and Iran have a deal to end the war, but some details remain unclear. Ed O'Keefe reports.Vice President JD Vance says the U.S. plans to release the full text regarding the U.S. deal with Iran this week and gives details about the agreement, including the status of the Strait of Hormuz, a possible reconstruction fund and nuclear weapons in Iran.Prediction market platforms give fans the chance to make money on anything from predicting where Taylor Swift will get married to major sports. But a recent study found the top 1% of traders on Polymarket capture more than three-quarters of all gains. Jo Ling Kent spoke with a prediction market trader who wrote an AI-powered computer program to help him win big.Billy Porter speaks with "CBS Mornings" about starring in the off-Broadway revival of the musical "La Cage Aux Folles," working with Wayne Brady and recent health issues.Cassidy Freitas, a licensed marriage and family therapist, speaks with "CBS Mornings" about the stress of planning the perfect family vacation, how to minimize it and the role of social media.Scott Vincent Borba co-founded e.l.f. Cosmetics and built a multimillion-dollar brand, but said he never found fulfillment. CBS News contributor David Begnaud shows how Borba decided to walk away and pursue life as a Catholic priest.

Planning an Alaska cruise? Before you pack your bags, make sure you know these essential do's and don'ts!

ADHD Love are a neurodivergent married couple and global internet phenomenon with millions of followers online. But this is a side of Rich and Rox you've never seen before. In one of their most honest conversations yet, they open up about the reality of navigating ADHD, autism, masking, intimacy, alcohol, marriage, and the challenges that come with being a neurodivergent couple. We discuss whether ADHD and autism have ever put a strain on their relationship, how their traits clash behind closed doors, Rich's autism diagnosis, whether either of them could actually be AuDHD, the ups and downs of planning a wedding, and the surprising theory that changed how they understand themselves. This is a raw and revealing conversation about love, diagnosis, identity, and what it really takes to make a neurodivergent relationship work. Chapters: 00:00 Trailer 01:40 Has ADHD & Autism Ever Strained Their Marriage? 07:27 When ADHD & Autism Clash 15:21 Rich's Autism Diagnosis Story 17:05 The Autism Traits Hidden in Plain Sight 18:35 Did Rich Use Alcohol to Mask? 19:01 Life After Dropping the Mask 20:05 Has Rich Changed Since His Diagnosis? 24:03 Is Rox Actually AuDHD? 31:53 Is Rich Actually AuDHD? 38:26 Tiimo Advert 39:45 Planning a Wedding as a Neurodivergent Couple 43:23 Breaking the Silence on Intimacy 49:50 Rox's HRT Journey 58:28 The Cherry Tree Theory Explained 01:13:45 Biggest Secrets & Quickfire Questions 01:22:19 Audience Questions 01:28:42 A Letter to My Younger Self Buy The Cherry Tree Theory

Why Travel Changes Everything - A Deep Dive with James Hammond on the Island Vacation Travel PodcastHello guys!Another guest appearance on another travel podcast today, and this time it is the Island Vacation Travel Podcast with Al Philogene, as we take a deep dive into the impact of travel on our daily lives, as a lifestyle choice and the impact on me personally too.You can watch this episode on YouTube here (please subscribe to Winging It) - https://youtu.be/XWfXoSQ5r7cI loved speaking with Al on his podcast, so please check it out below, too. Enjoy!Spotify - https://open.spotify.com/show/6IKCiUg5sZstUia5vOpK62?si=d9c56d650b754e28Apple Podcasts - https://podcasts.apple.com/ca/podcast/island-vacation-travel-podcast/id1579773196Website - https://islandvacationpodcast.com/#Island Vacation's Shownotes below.James Hammond shares his unforgettable travel experiences in Bhutan, Japan, and Bolivia, highlighting the importance of practical budgeting and lifestyle centered around exploration. He emphasizes the significance of people, culture, and food in each destination, and provides valuable insights on planning a six-month backpack trip to South America, including budgeting, route planning, and avoiding common travel mistakes.The conversation covers topics related to visa rules and immigration, the difference between hidden gems and tourist-heavy spots, the choice between travel and a traditional career path, financial trade-offs and the balance between freedom and stability, and the impact of COVID-19 on travel. The conversation covers the impact of COVID on travel, the rise in travel costs, the experience of over-tourism, and the financial considerations of long-term travel. It also delves into the importance of cultural familiarity when starting to travel and the need to adapt to changing travel costs and conditions.Takeaways• Unforgettable travel experiences in Bhutan, Japan, and Bolivia• Practical budgeting and lifestyle centered around exploration Visa rules and immigration are important considerations for travelers, and it's essential to research and understand the rules of each country.• Choosing hidden gems over tourist-heavy spots can lead to a more unique and less crowded travel experience.• The decision to prioritize travel over a traditional career path involves a trade-off between stability and freedom, and the pursuit of experiences over material possessions.• The impact of COVID-19 on travel has led to increased costs and a surge in travel to popular destinations, highlighting the importance of exploring hidden gems and off-peak travel periods. COVID has impacted travel costs and led to a rise in expenses.• Cultural familiarity is important when starting to travel, and it's advisable to start small and gradually explore different cultures.• Adapting to changing travel costs and conditions is crucial for long-term travel.Support Winging It Travel PodcastIf you enjoyed this episode:⭐ Leave a 5-star rating or review on your podcast app☕ Support the show at buymeacoffee.com/wingingit

Nick Cellini and Chris Dimino talk everything Atlanta Sports, the National Sports picture and the current (and WAY back when) in pop culture! Get the latest and your fill of Atlanta Braves, Georgia Bulldogs, Atlanta Falcons, Atlanta Hawks daily from two "Southern" Yankees daily Mon-Fri from 10a-2p! The 11 o'clock hour is brought to you by TRAJAN WEALTH; Planning for tomorrow starts today. Visit Trajan Wealth dot com to learn more about retirement and state planning RedZone - Falcons wrapping up OTAs Drive Around The Sports World Team USA with a monster start to the World Cup See omnystudio.com/listener for privacy information.

In this episode, we look at three forces that can shape—or sabotage—an investor's long-term success: exciting investment stories, nonstop financial headlines, and everyday money habits. From the hype around companies like SpaceX to the emotional pull of market news, we discuss why compelling stories and breaking headlines don't always translate into smart portfolio decisions. We also explore the quiet habits that can help build wealth over time, including saving consistently, avoiding lifestyle creep, automating good decisions, and staying focused on a long-term financial plan. The big takeaway? Successful investing usually isn't about reacting faster, finding the flashiest opportunity, or predicting the next market move. It's about discipline, diversification, consistency, and making decisions that align with your goals—not your emotions.

Most advisors can describe what their ideal financial planning practice would look like. But building that practice takes intention and a commitment to your vision. Our guest, Jennifer Harper, MBA, CFP®, founder of Bridge Financial Planning, serves on ACP's Training Committee, and has grown a thriving firm founded squarely on the fiduciary standard and a commitment to how she believes clients deserve to be served. Her practice continues to grow, even after moving to Portugal and serving clients remotely. To learn more about the ACP, please visit www.ACPlanners.org. To learn more about Jennifer Harper, please visit www.BridgeFinancialPlanning.com.

You can't Imagine what Modi & Shah are Planning | India on Frontfoot | Pakistan | Aadi Achint

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monica Cornitcher. Entrepreneurial journey, the inspiration behind Medase Cocktails, and the realities of launching, funding, and scaling a premium nonalcoholic spirits brand in a highly competitive market. Purpose of the Conversation The purpose of the episode is to: Educate aspiring entrepreneurs on how to build a differentiated consumer brand Demonstrate the importance of storytelling, market clarity, and operational discipline Highlight the growth of the nonalcoholic / zero‑proof beverage movement Inspire founders—especially founders of color—to own their niche, seek capital strategically, and scale intentionally. Key Takeaways 1. Business Built from Personal Need and Purpose Medase Cocktails was co‑founded by Monica and her lifelong friend during her friend’s battle with breast cancer, a time when alcohol was no longer an option—but celebration still mattered. The brand was created to allow people to celebrate authentically without alcohol It carries emotional depth rooted in friendship, gratitude, and loss Monica continues the mission after her co‑founder passed away in 2024 Lesson: Purpose-driven businesses create deeper emotional connection and long-term brand equity. 2. Differentiation Is Everything Monica deliberately rejected the “sparkling water with flavor” model common in nonalcoholic drinks. Her differentiators include: Authentic cocktail taste (Old Fashioned, Margarita, Moscow Mule) Organic juices, not artificial flavors Bold packaging that stands out on shelves Drinks designed to smell, taste, and feel like real cocktails Lesson: Competing on authenticity—not cost—is how you carve out market share in crowded spaces. 3. Brand Names and Stories Matter The name “Medase” means “thank you” and reflects gratitude, friendship, and emotional support. Monica emphasizes: Every flavor name, color, and product decision has a story A strong brand narrative creates curiosity, loyalty, and investor interest Lesson: People invest in brands they feel—emotionally, not just intellectually. 4. Venture Capital Is Not Just About Numbers While financials matter, Monica stresses that VCs also invest in founders and stories. What helped her secure venture capital: A compelling personal story Relevant founder skill sets (M&A, law, operations) Clear understanding of the market opportunity Lesson: Early-stage funding often depends on who you are and why you’re building, not just revenue. 5. Research, Planning, and Discipline Before Launch Unlike many food startups, Medase did not begin in a kitchen. They: Conducted a feasibility study Built a formal business plan Worked with a Black female food scientist Set strict personal funding limits before seeking capital Lesson: Preparation reduces risk and builds long-term sustainability. 6. Scaling Requires Operational Maturity As sales increased—especially on Amazon—Monica emphasized the need to move from “hustle mode” to operational excellence. Key scaling principles: Understand unit economics Track ROI for events and activations Adjust pricing as volume increases Build strategy across marketing, operations, and distribution Lesson: Hustle starts the business; operations grow it. 7. Niche First, Expansion Later Medase does not try to be “everything to everyone.” Core customers include: People seeking a break from alcohol Health-conscious consumers Black men looking for alcohol replacements Consumers wanting cocktail taste without hangovers Lesson: Strong niches create loyal advocates who fuel organic growth. 8. Smart Distribution Strategy Rather than rushing into retail, Monica prioritized direct-to-consumer channels: Amazon (top-performing channel) Brand website TikTok Shop Only after 6–7 months of traction did retail expansion become viable. Lesson: Control your margins and demand before entering expensive retail environments. Memorable Quotes “I wanted an authentic cocktail without compromise.” “Everything we do has a story behind it.” “Sometimes it’s not about the financials—it’s about the founder and the story.” “Don’t be everything to everybody. Find your market and stick with your market.” “Hustle starts the business, but operations give you scale.” “If it tastes too much like alcohol and you gave me a one-star review—thank you. That means I did my job.” Overall Message This episode is a real-world entrepreneurial blueprint showing how clarity of vision, emotional authenticity, disciplined planning, and niche focus can turn a personal idea into a scalable national brand. Monica Cornitcher exemplifies the modern founder:visionary, data-aware, emotionally intelligent, and unapologetically authentic. #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monica Cornitcher. Entrepreneurial journey, the inspiration behind Medase Cocktails, and the realities of launching, funding, and scaling a premium nonalcoholic spirits brand in a highly competitive market. Purpose of the Conversation The purpose of the episode is to: Educate aspiring entrepreneurs on how to build a differentiated consumer brand Demonstrate the importance of storytelling, market clarity, and operational discipline Highlight the growth of the nonalcoholic / zero‑proof beverage movement Inspire founders—especially founders of color—to own their niche, seek capital strategically, and scale intentionally. Key Takeaways 1. Business Built from Personal Need and Purpose Medase Cocktails was co‑founded by Monica and her lifelong friend during her friend’s battle with breast cancer, a time when alcohol was no longer an option—but celebration still mattered. The brand was created to allow people to celebrate authentically without alcohol It carries emotional depth rooted in friendship, gratitude, and loss Monica continues the mission after her co‑founder passed away in 2024 Lesson: Purpose-driven businesses create deeper emotional connection and long-term brand equity. 2. Differentiation Is Everything Monica deliberately rejected the “sparkling water with flavor” model common in nonalcoholic drinks. Her differentiators include: Authentic cocktail taste (Old Fashioned, Margarita, Moscow Mule) Organic juices, not artificial flavors Bold packaging that stands out on shelves Drinks designed to smell, taste, and feel like real cocktails Lesson: Competing on authenticity—not cost—is how you carve out market share in crowded spaces. 3. Brand Names and Stories Matter The name “Medase” means “thank you” and reflects gratitude, friendship, and emotional support. Monica emphasizes: Every flavor name, color, and product decision has a story A strong brand narrative creates curiosity, loyalty, and investor interest Lesson: People invest in brands they feel—emotionally, not just intellectually. 4. Venture Capital Is Not Just About Numbers While financials matter, Monica stresses that VCs also invest in founders and stories. What helped her secure venture capital: A compelling personal story Relevant founder skill sets (M&A, law, operations) Clear understanding of the market opportunity Lesson: Early-stage funding often depends on who you are and why you’re building, not just revenue. 5. Research, Planning, and Discipline Before Launch Unlike many food startups, Medase did not begin in a kitchen. They: Conducted a feasibility study Built a formal business plan Worked with a Black female food scientist Set strict personal funding limits before seeking capital Lesson: Preparation reduces risk and builds long-term sustainability. 6. Scaling Requires Operational Maturity As sales increased—especially on Amazon—Monica emphasized the need to move from “hustle mode” to operational excellence. Key scaling principles: Understand unit economics Track ROI for events and activations Adjust pricing as volume increases Build strategy across marketing, operations, and distribution Lesson: Hustle starts the business; operations grow it. 7. Niche First, Expansion Later Medase does not try to be “everything to everyone.” Core customers include: People seeking a break from alcohol Health-conscious consumers Black men looking for alcohol replacements Consumers wanting cocktail taste without hangovers Lesson: Strong niches create loyal advocates who fuel organic growth. 8. Smart Distribution Strategy Rather than rushing into retail, Monica prioritized direct-to-consumer channels: Amazon (top-performing channel) Brand website TikTok Shop Only after 6–7 months of traction did retail expansion become viable. Lesson: Control your margins and demand before entering expensive retail environments. Memorable Quotes “I wanted an authentic cocktail without compromise.” “Everything we do has a story behind it.” “Sometimes it’s not about the financials—it’s about the founder and the story.” “Don’t be everything to everybody. Find your market and stick with your market.” “Hustle starts the business, but operations give you scale.” “If it tastes too much like alcohol and you gave me a one-star review—thank you. That means I did my job.” Overall Message This episode is a real-world entrepreneurial blueprint showing how clarity of vision, emotional authenticity, disciplined planning, and niche focus can turn a personal idea into a scalable national brand. Monica Cornitcher exemplifies the modern founder:visionary, data-aware, emotionally intelligent, and unapologetically authentic. #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Can you believe it? Today we're celebrating 300 episodes of the Secrets of Supermom Show!Whether you've been listening since episode one or just recently found the podcast, thank you for being part of this incredible journey. Reaching 300 episodes is something I never could have imagined when I first hit record, and I'm so grateful you're here.In this special episode, I'm reflecting on some of the biggest lessons from Supermom Summer Camp, sharing what stood out most from this year's event, and talking about how to keep the momentum going now that camp has officially wrapped up.Because here's what I know: inspiration is powerful, but transformation happens when we consistently take action.We'll discuss:What I've learned after 300 episodes of the podcastThe biggest themes that emerged during Supermom Summer CampWhy moms don't need more information—they need support and implementationHow to keep the momentum going after an event like campThe special opportunity available inside The Supermom Society through ThursdayIf you attended camp, this episode will help you take what you've learned and put it into action. If you missed camp, you'll get a glimpse into some of the biggest takeaways and how you can still access the recordings with a VIP upgrade.Thank you for being part of this community. Here's to the next 300 episodes!All the Links from the Episode (Valid Until June 18, 2026)Ready to join us in The Supermom Society? https://www.thesupermomsociety.comMissed Supermom Summer Camp and want that VIP pass? Grab it here!Text us your feedback or questions!Stay connected!Join us in The Supermom Society! Get all the details at thesupermomsociety.com!Get all our show notes, buy the book Secrets of Supermom, and more at our website: www.secretsofsupermom.comSecrets of Supermom on FacebookSecrets of Supermom on Instagram

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Isaiah Tatum. A 24-year-old entrepreneur, touring artist, and hotel owner:

Jim and Chris discuss listener emails on Social Security earnings limits, and two emails relating to using annuities for LTC planning. (13:00) — A listener asks whether income from selling NSO stock counts as earned income for Social Security, potentially triggering the earnings limit before full retirement age. (21:00) — George asks about using a 1035 exchange to move variable annuities with guaranteed living benefits into a product offering long-term care benefits, and wants help weighing the tradeoffs of this approach. (49:45) — The guys help a listener think through annuity planning to fund future long-term care costs for in-laws, including whether to use one joint annuity or two individual annuities and where to find SPIA quotes. The post Social Security, Annuities for LTC Planning: Q&A #2624 appeared first on The Retirement and IRA Show.

When Blue Origin's New Glenn spacecraft exploded in an enormous fireball during a ground test a couple weeks ago, it sent shockwaves not only through the air, but through NASA's timeline for the upcoming Artemis missions. It also came at an especially bad time for Jeff Bezos' rocket company—just days after it was awarded a slew of NASA contracts to deliver equipment to the moon. Blue Origin had also been expected to play a major role in the upcoming Artemis III and IV missions, but that's now more up in the air depending on how soon the company can rebuild its only launchpad. And with NASA's Artemis III crew announcement this week, Guest Host Jane Lindholm sits down with space reporters Ken Chang and Brendan Byrne to break it all down and what's next for the space program. Guests: Ken Chang is a science reporter at the New York Times, where he covers NASA and the solar system. Brendan Byrne is a space reporter for Central Florida Public Media and host of the podcast “Are We There Yet.” Other episodes you may enjoy: Planning your photo ops for a trip around the moon The new frontier of cancer research is in space Transcripts for each episode are available within 1-3 days at sciencefriday.com. Subscribe to this podcast. Follow our show on Instagram, TikTok, Facebook, and Bluesky @scifri and sign up for our newsletters. Got a science question that's keeping you up at night? Call us: 877-472-4374 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Isaiah Tatum. A 24-year-old entrepreneur, touring artist, and hotel owner:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Isaiah Tatum. A 24-year-old entrepreneur, touring artist, and hotel owner:

Clayton as DNI, DOJ/Trump's $1.8B slush fund lives, Trump vs Platner, and Iran and inflation. It has been a wild, weird, harrowing week — Iran, ICE in Minneapolis, a UFC fight at the White House, the Knicks in the playoffs, and a president who keeps telling you out loud what he plans to do next. In this special Friday pop-media episode, Paul Rieckhoff brings you his weekly conversation from MS Now and breaks down what he's calling Trump's Plan A, Plan B, and Plan C: weaponize the National Guard, weaponize ICE, and weaponize the ballot box. It's not speculation. Trump has said it. Steve Bannon has said it. The reporting backs it up. And Congress — by Paul's read — has stopped exactly nothing. This is a no-BS briefing for the angry middle. Paul connects the dots between the resurrected payout scheme for January 6th defendants, the ICE escalation in blue cities, the Iran war driving gas prices through the roof, and the coming primary fights from Maine to Nebraska to Montana where independent veterans are stepping up where Democrats can't. He's blunt about the Democratic brand problem, blunt about the Republican capitulation, and clear about where the circuit breaker actually lives: election integrity, the courts, Congress, and an angry middle that refuses to check out for the summer. -WATCH full video of this episode here. -Join Noble Mobile today and get a $100 bonus when you stay a member for 2 months! -Join IVA and stand up to Trump's Forever Wars. -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Learn more about American Veterans for Ukraine here. -Remember Independent is an Attitude. -Learn more about The Headstrong Project for Veterans, Tragedy Assistance Program for Survivors (TAPS), and Department of Veterans Affairs resources in your area. Seeking support is not a sign of weakness. It's a show of strength. If you or a loved one are in immediate crisis, dial 988 and press 1, or text 838255. Connect with Independent Americans: Subscribe on YouTube, Spotify, Apple Podcasts, and all podcast platforms Read more at Substack Support ad-free episodes at Patreon  Connect: Instagram  • X/Twitter • BlueSky • Facebook  Follow on social: @PaulRieckhoff on X, Instagram, Threads, and Bluesky   -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the new year.  Independent Americans is powered by veteran-owned and led Righteous Media.  And now part of the BLEAV network!  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week on the HowToBBQRight Podcast, looking for the perfect tea for your next cookout? Luzianne Tea has you covered (00:00)! Ole Miss is absolutely dominating college baseball right now, and we break down their incredible run (00:45). If you missed our community playlist competition in the past, here's another chance to win some awesome prizes (04:30)! Shoutout to Peg Leg Porker for sending us a killer bottle of bourbon (06:40)! We catered the Rolling Thunder Charity Event last week, and it was an absolute blast from start to finish (09:00). Y'all know Malcom has always been a big fan of American Skins pork rinds, but he's got a brand-new favorite hookup to share (13:44). Malcom reveals his go-to method for making the best bacon for breakfast every time (18:04). We've never met a bad hot dog, but Tyler somehow managed to find one this past weekend: maybe some good old Blue Plate Mayo could have saved it (23:43)... Chefs across America have ranked the best hot sauces of 2026, and we're sharing our thoughts on the list (27:34). Walmart has started rolling out Copa Cut steaks, and we're on a mission to track them down and give them a try (31:50)! Planning a nacho bar? We discuss the best meat options for building the ultimate plate of loaded nachos (35:23). If you're using the snake method for smoking ribs, how much wood is too much wood (39:37)? We're gearing up to catch the Dierks Bentley Band this weekend, so be sure to keep an eye out for us (44:05)!  

173 Etienne Daigle – Quebec, Canada If you've ever wondered what game wardens deal with north of the border, this one delivers. From bear decoy busts to baby crocodiles in a bunker, “Agent de la faune” Etienne Daigle gives us a front row seat to wildlife enforcement in Quebec, Canada - and it's anything but predictable. Our Sponsors: Thin Green Line Podcast Don Noyes Chevrolet North American Game Warden Museum Hunt Regs WiseEye SecureIt Gun Storage XS Sights “A Cowboy in the Woods” Book Iron Skillet Seasonings Maine Operation Game Thief New Hampshire Operation Game Thief Conservation Officers of Pennsylvania North East Conservation Law Enforcement Chiefs Association International Wildlife Crimestoppers North American Wildlife Enforcement Officers Association Here's what we discuss:  Starting the job at just 20 years old after switching from police academy to game warden training  “It's two totally different jobs” - policing the woods vs the streets  Quebec wardens enforce fish, game, and trapping laws, not full police powers  Arresting suspects as a citizen in uniform before turning them over to police  First posting in Lac Saint-Jean - a remote territory with massive patrol areas  “People just don't like bears” due to concerns about moose calves  His very first case - a bear decoy operation during closed season  Lying in a ditch as a hunter returns with his family  Waiting for a second shot to confirm intent  A plane flying overhead causes the hunter to panic  Moving the decoy's head to trigger a reaction  “Dad, the bear is moving” leads to a second shot  Officers step in after clear evidence is established  “He truly thought it was a real bear.”  Covering areas with 10,000 plus lakes and hours-long patrol drives  Fishing opportunities - walleye, pike, and lake trout everywhere  Moose hunting rules - multiple hunters and shared tags required  “About a $2,500 fine” for illegal harvest  “The most dangerous animal is a moose with a calf.”  Transfer to a mining region brings more drug-related cases  “We are there for wildlife, but we deal with human problems too.”  Case involving a drug dealer with two baby crocodiles  Illegal possession of exotic animals without proper permits  Joint operation with provincial police  Planning entry into a single-access basement  Unexpected twist - the suspect's father answers the door  Securing the scene and removing the animals safely  “Drugs and reptiles seem to go together.”  Roughly 300 officers covering all of Quebec  Balancing wildlife enforcement with real-world danger Credits Hosts: Wayne Saunders and John Nores Producer: Jay Ammann Warden's Watch logo & Design: Ashley Hannett Research / Content Coordinator: Stacey DesRoches Subscribe: Apple Podcasts Spotify Amazon Google Waypoint Stitcher TuneIn Megaphone Find More Here: Website Warden's Watch / TGL Store Facebook Facebook Fan Page Instagram Threads YouTube RSS Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 253In this episode, we talk with Marianne Rice about key findings from a Tennessee report examining how well early literacy materials align with research on phonemic awareness and early reading instruction. Marianne walks us through five essential practices that can help teachers make the most of their instructional time: focusing on phoneme-level workusing articulatory gesturesconnecting phonemic awareness to printbeing mindful of instructional timeprioritizing blending and segmenting.Throughout the conversation, Marianne shares practical ways teachers can evaluate and adjust their current curriculum without starting from scratch. The big takeaway: small instructional shifts, especially connecting sounds to print and focusing on blending and segmenting, can have a big impact on helping students become strong readers and spellers.Resources Kindergarten and First-Grade HQIM Alignment with Research on Code-Focused Instruction: Tennessee Early Literacy Report (referenced in the episode)5 Focus Areas for Phonemic Awareness (printable)44 Phonemes (video): Learn how to pronounce the 44 phonemes in the English alphabet (from Rollins Center for Language and Literacy)Word Chains for Decoding and Encoding Practice: An overview on how to make and use word chains to teach decoding and encoding (from UFLI) What Works Clearinghouse Guide: Foundational Skills to Support Reading for Understanding in Kindergarten Through 3rd GradePhonemic Awareness: A Meta-Analysis for Planning (need ILA access)  Looking for more literacy support and resources? Explore all of our podcast episodes, free listening guides, and classroom tools at literacypodcast.com.Interested in bringing Melissa & Lori Love Literacy to your school or event? Email us at literacypodcast@greatminds.org.

On the #amwriting podcast's “Margin Notes,” Jennie Nash talks with Dr. Diana Hill (author of Wise Effort) about how the urge to prove yourself—through resumes, accolades, or “pre-order my book” pleas—undermines authenticity and connection, especially when pitching ideas, proposals, or personal brands. Hill describes confronting this while rebranding her website and shifting from listing credentials to articulating the real user experience and who the work is and isn't for, using specific language that reflects her core value of awareness/attunement rather than generic, AI-like claims. They unpack the psychology behind proving (seeking safety, belonging, and autonomy) and suggest asking which need is driving the behavior, aiming instead to demonstrate value, embrace vulnerability, and rely on trusted “tough love” feedback.Books Mentioned* Wise Effort by Dr. Diana HillJoin the Blueprint Summer ChallengeStarting a book? Stuck in a draft? Planning a revision?The Blueprint Summer Challenge is designed to help you make meaningful progress on your manuscript this summer.Over six weeks, beginning July 10, you'll use the Blueprint—a proven framework for developing stronger books with greater clarity, purpose, and reader impact—to move your project forward, wherever you are in the process.Whether you're writing nonfiction, memoir, fiction, or another genre entirely, the goal is simple: spend six focused weeks making your book stronger.Start with the Blueprint CourseWe're offering an all-new Blueprint course in Teachable, which includes:* The full text of The Blueprint* Fourteen video lessons covering every step of the framework* Real coaching examples that show writers applying the Blueprint to their own projects* Practical guidance you can use immediatelyThe course is designed to help you develop a stronger foundation for your book—whether you're beginning from a blank page, working through a draft, or planning a revision.Course enrollment: $19

My MindSpace Tutorial is Live on ScreenCastsONLINE TCL NXTPAPER Android Tablet Explained by George from Tulsa A Chat with Kim Lundgren Support the Show CCATP #836 — Jane Jordan on Blind Programming and Knitting Transcript of NC_2026_06_12 Join the Conversation: allison@podfeet.com podfeet.com/slack Support the Show: Patreon Donation Apple Pay or Credit Card one-time donation PayPal one-time donation Podfeet Podcasts Mugs at Zazzle NosillaCast 20th Anniversary Shirts Referral Links: Setapp - 1 month free for you and me 15% off Carbon Copy Cloner Wispr Flow - 1 month free for you PETLIBRO - 30% off for you and me Parallels Toolbox - 3 months free for you and me Learn through MacSparky Field Guides - 15% off for you and me Backblaze - One free month for me and you Eufy - $40 for me if you spend $200. Sadly nothing in it for you. PIA VPN - One month added to Paid Accounts for both of us CleanShot X - Earns me $25%, sorry nothing in it for you but my gratitude

-The Gators unveiled plans yesterday on a $1.45 BILLION (!!) renovation of ‘The Swamp,' the most expensive and comprehensiverenovation in college football history-They've been looking for ways to update the 100-year-old stadium for the last 8 years, and finally have plans to do soOur Sponsors:* Check out Hims and use my code hims.com/EARLYBREAK for a great deal: https://www.hims.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Laura Foos. Interview Overview Guest: Laura FoosHost: Rushion McDonaldShow: Money Making Conversations MasterclassLocation: Camp Springs, Maryland (DMV area)Focus: Entrepreneurship, tax education, real estate ownership, multiple income streams, women in business, and asset‑based thinking Laura Foos is a serial entrepreneur, accountant, tax professional, property owner, and business educator. In this conversation, she walks through how she built several aligned businesses—from a salon to a tax firm, educational products, and a multi‑use commercial space—while raising her daughter as a single mother and intentionally building wealth through ownership. Purpose of the Interview The purpose of the interview is to: Educate everyday entrepreneurs—especially women and small business owners—on how to use taxes, ownership, and strategy to build sustainable wealth Demystify entrepreneurship by showing how multiple income streams can grow from practical decisions, not hype Highlight asset‑based thinking, where liabilities are intentionally offset by income‑producing assets Inspire single mothers and women entrepreneurs to pursue ownership, funding, and scalability without waiting for permission Rushion positions Laura as a living example of “walking the walk”—not just talking about business success, but executing it with discipline, planning, and faith. Key Themes & Takeaways 1. Location, Ownership, and Convenience Matter Laura intentionally built her life and businesses close together—owning her home of 20 years and purchasing a nearby commercial property—to maximize efficiency and control.Takeaway: Strategic location and ownership reduce friction and increase long‑term stability. 2. Taxes Are a Growth Tool—Not Just Compliance As a college‑educated accountant and longtime tax professional, Laura explains that many small business owners are taught to eliminate taxable income entirely, but this limits growth. She emphasizes the importance of: Showing income on paper Planning annually for tax obligations Using taxes strategically to qualify for loans and asset purchases Takeaway: You cannot scale—or secure funding—without showing money on paper. 3. Every Liability Should Have an Asset Attached Laura repeatedly returns to a core principle: “For every liability that I have, I want to figure out an asset that is going to pay for that. Examples include: Rental units inside her home paying the mortgage Booth rentals covering salon rent Event space, studios, and meeting rooms generating income to cover the commercial property Takeaway: Bills are optional when assets are designed correctly. 4. Multiple Streams Came from One Smart Decision What began as a tax office expanded into: A podcast studio Photography studio Meeting rooms Event space Takeaway: One owned asset can support several revenue streams if you design for flexibility. 5. Mentorship and Representation Matter Laura consciously mentors other women through: Her Confessions of a Boss Lady Facebook group (400+ women) Social media education Direct example She emphasizes that visibility—“I’m living this”—is key to inspiring others. 6. Teaching Financial Literacy Starts at Home Laura involved her daughter in entrepreneurship early, helping her launch a bracelet business to fund private school tuition. She taught her: Customer interaction Inventory management Profit allocation Reinvestment Takeaway: Wealth habits are taught, not inherited. 7. Smart Delegation Enables Growth After experiencing burnout and a health scare during the pandemic, Laura learned she could not do everything herself. She expanded her team and invested in automation. Takeaway: Growth requires letting go—not grinding harder.. 8. Faith Replaces Fear When asked why she isn’t afraid to take big risks, Laura attributes her confidence to faith. “I have fearless faith… If He put it in front of me, that’s what I’m supposed to try.” Takeaway: Purpose reduces fear and reframes failure as learning. Standout Quotes On asset‑based thinking: “For every liability that I have, I want an asset that’s going to pay for that.”. On taxes and growth: “To grow and expand and purchase things in the business name, we have to start showing something on paper.”. On entrepreneurship as a single mother: “One income is not enough.” On delegation and health: “I realized I don’t have to be in it 24 hours a day.”. On fearlessness: “If it doesn’t work, I’ll reorganize, learn the lesson, and move on. Overall Impact Laura Foos is presented as a grounded, disciplined, and strategic entrepreneur who built wealth through ownership, education, planning, and faith—not shortcuts. The interview reinforces that success is not about one big idea, but about stacking smart decisions over time. Core message:Ownership + education + faith + execution = freedom. #BEST #STRAW #SHMSSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

If we're wired for joy, why do so many successful people feel exhausted, disconnected, or emotionally flat? On this episode of The Dr. Hyman Show, I sit down with psychiatrist, researcher, and author Dr. Judith Joseph, whose team conducted the first peer-reviewed clinical study on high-functioning depression. We talk about why feeling "fine" on the outside doesn't always reflect what's happening beneath the surface—and why so many people struggle to feel fully alive. You'll learn: Why achievement and productivity don't always lead to fulfillment How to tell whether you're burned out—or struggling with high-functioning depression The surprising connection between unresolved trauma, people-pleasing, and chronic stress What your phone, social media habits, and screen time may be doing to your mood How to start reclaiming joy when life feels flat, exhausting, or unfulfilling Like many people, I've spent periods of my life focused on achievement and productivity, believing fulfillment would follow. I've learned that the most important work isn't always doing more—it's understanding what's keeping us from fully experiencing joy in the first place. Want to explore this further? Dr. Judith Joseph offers several self-assessments under the "Quiz" tab on her website, including tools for anhedonia, high-functioning depression, and trauma. View Show Notes From This Episode Sign up for Dr. Hyman's Brainshaping Academy to learn how to nourish the biological systems that support your mental, emotional, and cognitive health https://drhyman.com/products/brainshaping?utm_source=dr_hyman_show&utm_medium=newsletter&utm_campaign=may_27&utm_content=link Get Free Weekly Health Tips from Dr. Hyman https://drhyman.com/pages/picks?utm_campaign=shownotes&utm_medium=banner&utm_source=podcast Sign Up for Dr. Hyman's Weekly Longevity Journal https://drhyman.com/pages/longevity?utm_campaign=shownotes&utm_medium=banner&utm_source=podcast Join the 10-Day Detox to Reset Your Healthhttps://drhyman.com/pages/10-day-detox Join the Hyman Hive for Expert Support and Real Resultshttps://drhyman.com/pages/hyman-hive This episode is brought to you by Big Bold Health, BIOptimizers, Rho, Sunlighten, Paleovalley, and Pique. Go to bigboldhealth.com/drhyman and use code HYMAN15 to save 15% on your first order. Head to bioptimizers.com/hyman and use promo code HYMAN at checkout to save 15%. Head over to rhonutrition.com and use code HYMAN to get 20% off their entire product line. Visit sunlighten.com and use code HYMAN to save up to $2100 today. Head to paleovalley.com/hyman to save 15% off your first order today. Secure 20% off your order plus a free starter kit at piquelife.com/hyman. (0:00) High functioning depression, burnout, and Dr. Hyman's personal experience (2:37) Introduction Dr. Judith Joseph (5:13) Depression among medical professionals and defining anhedonia (7:04) Joy as part of our DNA and identifying high functioning depression (13:23) Biological causes, biomarkers, and differences between burnout and high functioning depression (18:18) Avoiding trauma processing by staying busy; hedonism and anhedonia (22:14) Identifying roots of trauma, childhood patterns, and using transitional objects (25:51) Finding points of joy amidst depression and people pleasing in high-functioning individuals (30:39) Neurological shifts, lack of joy, and the biopsychosocial model of depression (36:56) Digital depression, reducing screen time, and healthy tech relationships (49:09) Women's hormones, midlife shifts, and distinguishing hormonal from psychiatric conditions (58:30) Reclaiming joy, the five v's, and processing emotions (1:01:21) The significance of venting, emotional boundaries, and healthy outlets (1:05:28) Defining values, mind-body connection, and social relationships (1:09:05) Planning and scheduling future joy and connection (1:13:22) The evolution of psychiatry, spirituality, and Gen Z's spiritual study (1:18:03) Finding meaning, purpose, and learning more about high functioning depression