Podcasts about Planning

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 Michael Uadiale.

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 Michael Uadiale.

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 Michael Uadiale.

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:

October is here, and it's time for a fresh start. If you've been feeling unmotivated, overwhelmed, or like you need to get your life back on track, this episode is your sign to reset, refocus, and fully lock in for the month ahead.In today's episode of For You From Eve, we're doing a complete October monthly reset. We're reflecting on September, letting go of what no longer serves us, setting intentional goals, and creating a plan to become the version of ourselves we've been working toward.Grab your journal and planner because we're going through everything you need to start October with clarity, purpose, and intention.IN THIS EPISODE:* How to reflect on September and recognize your personal growth* Journaling prompts to help you release the previous month* How to set meaningful and realistic October goals* Becoming the version of yourself you want to be* Creating your October monthly planning routine* Setting habits and non-negotiables to stay consistent* How to stop procrastinating and finally follow through* Creating a realistic plan for your personal growthRemember, you don't need to wait until January to change your life. Every new month is another opportunity to show up for yourself.Let's make October count.

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 Michael Uadiale.

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:

Planning season is about to start, and everyone is going to sell you a prettier document. In this episode I'm making the case that the December planning day is neither the reason your year works nor the reason it doesn't, walking through the seven numbers we track every week inside The Collective Co-Op (only three of them have a dollar sign), and reading a real member scorecard on air so you can hear what those numbers say when they sit next to each other. The January 2027 waitlist is open now at hollymariehaynes.com/coop. 00:00:00 — Why a year-end planning day won't make the year successful00:01:30 — Holly's corporate strategy background and the missing piece for entrepreneurs00:03:00 — Why business plans lose to the demands of an ordinary Tuesday00:03:48 — Why Holly recommends 90-day plans instead of 12-month plans00:04:30 — Why revenue is one of the least useful numbers to watch by itself00:05:10 — Leading vs. lagging indicators and what they reveal00:05:35 — New sales committed vs. cash actually received00:06:15 — Why expenses and profit matter more than celebrating revenue00:06:45 — Tracking individual offers to see what is actually selling00:07:20 — The power of five genuine business connections each week00:09:00 — What missed content goals reveal about capacity and planning00:10:00 — Tracking email list growth and open rates00:10:50 — Using a business scorecard to identify gaps and make adjustments00:11:25 — How accountability works inside the Collective Co-Op00:13:30 — The question every entrepreneur should answer before closing their annual plan

Episode Summary In this episode of Business Coaching Secrets, Karl Bryan and co-host Road Dog deliver an energetic, honest deep-dive into core principles for coaching business success—from the real meaning of the 80/20 rule, the power (and pitfalls) of focus, and the truth about scaling and client retention, to addressing anxiety as the price of ambition. With playful banter and actionable wisdom, Karl busts common myths, unpacks the signal-to-noise concept with lessons from Steve Jobs and Elon Musk, and shares unique rules for coaches to build stronger, longer client relationships and higher-performing businesses. Key Topics Covered The Real 80/20 Principle in Business Karl Bryan explores how Steve Jobs' return to Apple and Nike's turnaround show 80/20 thinking in action—cutting unproductive offerings to amplify the best. Examples span from Google, McDonald's, and clothing companies to coaching: focus on the assets and relationships that drive the bulk of your results (03:14–08:00). Contrarian Takes on Coaching Advice Why "do what you love and money will follow" is overrated—do what you're good at, fall in love with sales, marketing, and solving problems (09:03). Challenging the E-Myth idea of leaving a business for six months: rare in reality, context matters. The myth of "multiple streams of income": not wise until your primary business is reliably selling at high volume for an extended period (13:09). Signal vs. Noise: Working Smarter, Not Harder Inspired by Steve Jobs and Elon Musk, Karl Bryan discusses eliminating "busywork" and prioritizing the vital few actions that make the boat go faster (19:31). How to apply signal-to-noise thinking in project planning, debates, and even national economic policy. Unique, Underdiscussed Coaching Rules Nothing in life (or business) is a straight line—it's all about adapting to unpredictable curves. The formula for failure: too much time and too many distractions. The formula for success: tight deadlines and single focus. Networking and environment: strategically positioning yourself in high-value places accelerates opportunities (29:53). Client Retention, Relationship Building, and Mindset Clients stay because they like you—make business relationships more personal and long-term. Life needs to break you to wake you—how overcoming adversity can be a launching pad for bigger breakthroughs. Addressing anxiety: the hidden currency of ambition, and why planning and taking action melts anxiety (41:14). Notable Quotes "Starve the trivial many so the vital few can do their magic and compound." "Do what you're good at—that's how you make lots of money. Fall in love with selling, marketing, content creation, problem-solving… that's how you crush it." "Put all your eggs in one basket, and watch that basket really, really, really carefully." "Motion is noise; signal is the results. The ultimate measure of working smarter is a low signal-to-noise ratio." "Your greatest successes will come through other people." "Anxiety is the price of ambition… Successful people are worrying, anxious addicts." "Remember: progress equals happiness." Actionable Takeaways 1. Ruthlessly Identify & Double Down on Your 80/20 Map out what drives the majority of your revenues, client results, and business growth. Focus there; cut or minimize the distracting rest. 2. Stop Chasing Every Trend—Master Your One Main Thing Until you have a $5M+ business (or stable, strong revenue), don't split your focus into multiple streams. Place all eggs in one basket, watch it obsessively. 3. Build Relationships for the Long Term Move beyond transactional coaching—clients stay (and refer) when they genuinely like you. Invest in those relationships (even outside the boardroom). 4. Remove "Busywork"—Prioritize Like Jobs/Musk Before acting, ask: will this move me measurably closer to my goal? If not, drop it. Efficient action beats constant activity. 5. Create Momentum by Changing Your Environment Network in higher-end venues, luxury lobbies, or wherever your ideal clients are. Uplevel conversations and connections. 6. Face Anxiety by Doing the Planning and the Work Document best/worst/probable scenarios. The act of planning, not the plan itself, reduces anxiety and increases confidence. 7. Serve and Connect—Fight the Epidemic of Loneliness Facilitate connection and belonging (like Swifties and Taylor Swift); people stay for how you make them feel. Resources Mentioned - Profit Acceleration Software™: Developed by Karl Bryan, a tool for demonstrating and delivering breakthrough client value. - Focused.com: Daily coaching strategies and insights, plus Profit Acceleration Software™ demos. - Networking and Environments: Visit high-end hotel lobbies, luxury car dealerships—be where your ideal clients are found. - Tony Robbins' Planning Frameworks: Step-by-step, action-driven problem-solving (Dickens Process, business planning). - Cody Sanchez's content on buying boring businesses: (Referenced as a case-in-point for scrutinizing "guru" numbers and context.) - Daily email subscription: Get tactical coaching insights at Focused.com. Like this episode? Please subscribe and share with another coach. Leave a review to help us impact more business coaches worldwide. For more resources on attracting small business owners and closing more high-end clients, visit Focused.com and get your demo of the Profit Acceleration Software™.

For founders and entrepreneurs, The Two Warriors Within explores leadership, emotional intelligence, and personal growth. TJ Baird, the Warrior Dad, asks: Which One Are You Feeding? Drawing on 32 years of military leadership, TJ examines how anger, self-awareness, and your actions affect the people you lead. His philosophy connects the battles within us to the trust we build—or damage—in our businesses and relationships. When social media shows only the finished success story, struggle can feel like evidence that you're falling behind. This conversation explores why sharing the unfinished journey matters, and why leadership requires honesty about your own challenges. Jennifer Loehding sits down with retired U.S. Army Command Sergeant Major TJ Baird, founder of Warrior Dad Stories, to explore the philosophy behind “the two warriors within.” His 32-year military career and a pivotal conversation with his daughter give that philosophy a personal foundation. They discuss why actions must match words, how presence builds trust, and why leadership is a human business. TJ shares his four principles for life and leadership, the lessons behind his storytelling platform, and how he uses strategic planning and AI to support his business. Chapters 00:00 The two warriors within00:43 Meet TJ Baird, the Warrior Dad03:08 Which warrior are you feeding?04:20 His daughter's wake-up call06:24 From military experiences to Warrior Dad Stories09:40 The struggle behind the success story14:27 Planning, execution, and adapting in business16:31 Using AI as a business tool18:58 The AI challenge for authors and creators24:23 Do your actions match your words?25:23 Four principles for life and leadership28:43 Leadership is a human business31:39 The human side of military leadership35:06 Complex problems need more than logical solutions39:07 Inside Warrior Dad Stories41:28 Why storytelling connects people45:55 Finding the courage to tell your story Connect with TJ Baird Website: https://warriordadstories.comYouTube: https://www.youtube.com/@warriordadstories Connect with Starter Girlz Starter Girlz features conversations with founders, entrepreneurs, creators, and thought leaders about what they've built, what they've learned, and the ideas that can help others grow in business and life. https://startergirlz.com Want to be a guest on Starter Girlz? https://www.podmatch.com/hostdetailpreview/17044863446695017c1879d7b

Funeral planning may not be anyone's favorite financial-planning conversation, but making decisions now can save your family money, confusion, and difficult choices later. Richard Rosso and Jonathan McCarty take a surprisingly entertaining look at the financial side of planning your own funeral, from traditional burial and cremation to cemeteries, niches, pet burials, aquamation, becoming a tree, and even having your cremains launched into space. We'll examine funeral and burial costs, prepaid arrangements, inflation, cemetery pricing, add-ons, paperwork, and the importance of communicating your final wishes. Can locking in funeral costs today make financial sense? What decisions should you make in advance? And how can planning ahead become an expression of consideration for the people you leave behind? Plus, Richard shares some memorable real-life experiences involving cremains, cemetery niches, his mother's remains, the Grim Reaper, and why apparently even Buc-ee's can inspire a conversation about where you'd like to spend eternity. The subject may be death, but the financial-planning lesson is very much about life: make your wishes known, understand the costs, organize the paperwork, and don't leave your family guessing. 0:00 - INTRO 0:20 - Planning a Client's Funeral (DIY version) 2:55 - Advanced Funeral Planning & Cemeteries 5:46 - Niches for Cremains, Richard & the Grim Reaper 7:54 - Getting Richard's Mother Out of the Closet 15:15 - Cremation? Making Decisions Now So Your Relatives Won't Have To 15:43 - Taking the Dogs With You 16:56 - Cost Effective Solutions 18:01 - The Stories in the Niches 20:10 - The Cost of Burial 22:02 - Pre-cutting Burial Sites 23:18 - Adding more People 24:51 - Buc-cee's Burials 26:33 - Pet Cemetary 27:30 - The Business of Burials - Additional costs & add-ons 32:14 - Funeral Inflation & Locking in Costs 34:15 - SCI International 36:04 - Dealing with the Paperwork 38:03 - Communicating Final Wishes 40:31 - How do You Want to Be Buried (Be a Tree, Aquamation, Rocket Launch) 45:45 - Location, Location, Location... 48:00 - The Ultimate Expression of Caring & Respect ==== Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oGCV1mUrzwk?feature=share -------- Watch our previous show, "From TINA to TIGA: Diversification Pays Again" https://youtube.com/live/JV2n7ESiZ54?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FuneralPlanning #EstatePlanning #FinancialPlanning #FuneralCosts #Cremation

here we goooo a big ol q&a - thank you to anyone who asked a question! hope you enjoy, and don't forget to share and tag me on insta @emma.currivan xoxo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CHAT TO ME ABOUT COACHING ON WHATSAPP⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠JOIN MY PATREON HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - just 5.99 a month hehe x⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Don't forget to subscribe to my YouTube channel!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Catch you in the next one xoChapters00:00 Emma's return to Spain and recent busy schedule02:07 Reflections on her coaching journey and recent competitions03:50 Highlights from PCA Naturals and upcoming WMBF UK show06:04 Managing hormones and dieting during travel07:49 Insights into hormone and peptide use in female bodybuilding10:07 Stress management techniques for athletes and coaches11:51 Advice for women considering transitioning to assisted bodybuilding14:08 The importance of self-belief and overcoming imposter syndrome15:52 Planning for future competitions and maintaining consistency

What if the desire to do everything ourselves is keeping us from trusting God? Ray, E.Z., Mark, and Oscar explore the difference between biblical responsibility and self-reliance, examining how people look for strength, security, and relief elsewhere rather than in the Lord. The guys discuss how self-reliance can even disguise itself as devotion, as people seek relief through their own efforts or other forms of self-medication. They return to the reality that righteousness cannot be earned and that true reliance means trusting and depending on God.The conversation then turns to God's sovereignty and human responsibility. The guys explain that God has chosen to work through the means He provides, assigning believers responsibilities while remaining sovereign over the outcome. Planning and effort are not the problem; the question is whether they are done in dependence on the Lord. They compare the Christian life to sailing, where we set the sails but depend on the wind to move us. Prayer should be the default response. The guys encourage listeners to pray without ceasing, trust the Lord rather than their own understanding, and acknowledge Him in every part of life. Faithfulness means moving forward while leaving the results to God.Trust is not merely believing that God will give us the outcome we want, but believing that whatever He allows, He is still working for our good and shaping our character. The guys challenge listeners to consider their warhorse, the thing they hide behind, whether it is power, reputation, beauty, or ability. They discuss how Western culture celebrates independence and how easily that mindset can influence Christians. Yet dependence on God does not mean refusing the means He has provided. It means recognizing that everything we have is ultimately from Him and being willing to seek counsel, correction, and support from other believers.The guys discuss how difficulty receiving criticism can reveal a heart that has forgotten its helplessness, because the gospel begins with admitting we cannot save ourselves. They turn to trials and grace, emphasizing that grace is not something we earn and is not merely what saves us at conversion. God's grace sustains us throughout the Christian life. They ultimately trace self-reliance back to Adam and Eve's desire for independence from God. The gospel brings us to the end of ourselves, reconciles us to our Maker, and teaches us to abide in Christ, like branches that depend on the vine, and to trust His strength rather than our own.Send us Fan MailThanks for listening! If you've been helped by this podcast, we'd be grateful if you'd consider subscribing, sharing, and leaving us a comment and 5-star rating! Visit the Living Waters website to learn more and to access helpful resources!You can find helpful counseling resources at biblicalcounseling.com.Check out The Evidence Study Bible and the Basic Training Course.You can connect with us at podcast@livingwaters.com. We're thankful for your input!Learn more about the hosts of this podcast.Ray ComfortEmeal (“E.Z.”) ZwayneMark SpenceOscar Navarro

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 Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

After addiction and devastating family losses led him to burglarize a bank and spend years in prison, Dustin Clinton shares how incarceration forced him to confront his choices, get sober, and rebuild his life after release.⁣ ⁣ Dustin's links - ⁣ https://www.instagram.com/dustin_clinton_/⁣ ⁣ Upgrade your wardrobe with timeless essentials that actually lasts. Shop Quince with free shipping and 365-day returns at https://quince.com/true⁣ ⁣ Get 10% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout. ⁣ ⁣ Do you want to be a guest? Fill out the form https://www.insidetruecrimepodcast.com/apply-to-be-a-guest⁣ ⁣ Shop my merch: https://www.etsy.com/shop/MatthewCoxCollection⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣ Check out my Dark Docs YouTube channel here -⁣ https://www.youtube.com/@DarkDocsMatthewCox⁣ ⁣ Follow me on all socials!⁣ Instagram: https://www.instagram.com/insidetruecrime/⁣ TikTok: https://www.tiktok.com/@matthewcoxtruecrime⁣ ⁣ ⁣ Do you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopart⁣ ⁣ Listen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox ⁣ ⁣ Check out my true crime books! ⁣ Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCF⁣ Bent: https://www.amazon.com/dp/B0BV4GC7TM⁣ It's Insanity: https://www.amazon.com/dp/B08KFYXKK8⁣ Devil Exposed: https://www.amazon.com/dp/B08TH1WT5G⁣ Devil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438⁣ The Program: https://www.amazon.com/dp/B0858W4G3K⁣ Bailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402⁣ Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1⁣ ⁣ Checkout my disturbingly twisted satiric novel!⁣ Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WX⁣ ⁣ If you would like to support me directly, I accept donations here:⁣ Paypal: https://www.paypal.me/MattCox69⁣ Cashapp: $coxcon69⁣ ⁣ Chapters:⁣ 00:00 - Early Life & Family Struggles ⁣ 06:01 - Family Loss & Turning Point ⁣ 11:01 - Addiction & Bank Plan ⁣ 15:04 - Planning the Bank Scheme ⁣ 27:40 - Final Decision & Escape Plan ⁣ 31:54 - Brother Joins the Plan ⁣ 36:51 - Bank Scheme Unfolds ⁣ 46:24 - Leaving for Florida ⁣ 51:47 - Traced by Authorities ⁣ 1:00:09 - Hotel Arrest ⁣ 1:02:31 - Questioning & Evidence ⁣ 1:16:01 - Plea & Sentencing ⁣ 1:21:59 - Fire Team Program ⁣ 1:30:20 - Prison Transfers & Fire Team ⁣ 1:35:03 - Recovery & Rebuilding Life Learn more about your ad choices. Visit megaphone.fm/adchoices

If you have ever gone looking for how to plan your finances for the year and given up somewhere around February, it probably was not a failure of effort. Traditional budgeting keeps you looking backward, sorting through what already happened and accounting for where things went wrong. After an hour of that, who has the energy to think about the next few months?Chapter 13 is what becomes possible once the system is running. It works because you already budget by paycheck, so the year is built out of units you can actually see. Planning ahead is what protects the progress you have already made, because the most common way momentum disappears is an unexpected expense going on a credit card or coming out of savings. Plan for 75% of what is going to happen and the other 25% gets a lot easier to handle.The planning ritual in this chapter is Past, Present and Future. Past is a two-minute glance at whether the last pay period went the way you planned. Present is what you need for the current one. Future is where the real work happens and where most of your time goes. You look at your calendar, you scan your SpendFuture categories, and then you go after the ones that never make it onto a list: the deck that needs staining this summer, the mattress you keep saying you will replace. The things that turn up at 2 a.m., never at a convenient time.Noah and Chantelle came to Kelsa after years of what they described as doing everything right but never getting anywhere. They would pay extra on the credit card one month, feel proud, then watch a forgotten annual bill wipe it out the next. Once they started planning three months ahead, they could see their daughter's dance recital fees, their car registration and a family trip all in the same quarter, already funded. Then they took a family vacation without putting a single dollar on a credit card. She cried in the airport.What you will walk away with is a rhythm for making decisions while things are calm, so the version of you who has to handle it later doesn't have to scramble.Resources mentioned:See the illustration from this chapter.The Year-at-a-Glance Planner comes with this chapter. Pull it up when it's time to plan and let it jog your memory instead of trying to hold the whole year in your head.Subscribe so you don't miss next Thursday.

Episode 119: Five Strategies for Retiring EarlyEarly retirement requires a different playbook. In this episode, I explain five strategies for bridging the gaps before Social Security and Medicare, managing taxes, and funding your lifestyle with greater flexibility.In the tips and tricks segment, I share how Roth IRA contributions can provide an additional source of penalty-free funds before age 59½.Key points • Build a taxable brokerage account • Maximize your HSA • Use pre-tax 401(k) contributions strategically • Establish a dedicated cash reserve • Understand early retirement-account access • Use Roth IRA contributions for added flexibility before age 59½

Many of us enter the water hoping to encounter sharks and rays, and maybe even get some prize images of our own – but how can we do it with as little impact on the animal as possible? In this episode, we discuss how to share the water with sharks safely, ethically and responsibly with wildlife photographer and filmmaker Luke Saddler, who has spent countless hours observing sharks in their environment and capturing their natural behaviours. We talk about how to: read body language, choose a responsible tourism operator, start out in wildlife film-making and become a ‘fly-on-the-wall' – all while hearing some of Luke's own incredible adventures in the field. Find out more about Luke: @lukesaddler, www.lukesaddler.com Shownotes: www.saveourseas.com/worldofsharks/podcast Find us on social media: @saveourseasfoundation across all platforms! Key timestamps 07:11 — A very special dive in a "galaxy of hammerheads" 13:09 — Luke's journey from marine biology to wildlife filmmaking 16:23 — How understanding animal behaviour improves your footage 18:01 — Luke's first shark encounters in Australia 22:42 — How to interact with sharks responsibly 24:10 — Cage diving, baiting, and choosing responsible operators 28:43 — What to look for in a shark tour operator 30:50 — How to behave around sharks underwater 31:17 — Reading shark body language (and when to back off) 35:19 — How drones are changing shark research and filming 40:44 — Planning a wildlife shoot 44:58 — Telling shark stories without fearmongering 47:30 — Getting started in underwater photography and filmmaking 54:18 — What to keep in mind before a first shark encounter

Managing Director of Innovation DuPage, Dan Facchini, joins Jon Hansen on Your Money Matters to discuss how their programs are helping businesses and organizations grow. They are joined by Scott Hubbard of Hubbard Communications, who discusses how they are helping leaders communicate ideas, build confidence, and focus on emerging leader development through hands-on, behavior-based coaching. For more […]

Alyssa and Nadia are back after a long break, and Nadia is officially in her last semester at Northeastern. Most of her high school friends have already graduated, her roommate included, and she's still on campus with four classes left. It feels a little weird, but she's trying to hold on to the routine while she has it.Nadia opens up about postponing her MCAT after studying all summer and hitting a wall. Now she's aiming for January with a new study schedule and a better mindset. Alyssa shares a friend's comment that the delays might mean Nadia doesn't want to be a doctor, and Nadia explains why that isn't true.They talk about Nadia's final public health classes and her projects on maternal nutrition and food insecurity. Alyssa asks whether Nadia's interest in women's health is her own or shaped by social media.They wrap up with ways to work in women's health without being an OB/GYN, a local women's health symposium Tanya helped organize, and an idea for this season about hearing people's good, okay, and bad experiences with healthcare.TakeawaysWatching your friends graduate while you're still in school can feel strange even when you saw it comingPostponing the MCAT is really common and says nothing about how much someone wants to be a doctorHaving no hard deadline gives you room to take a test when you're actually readyBurnout is real, and a few days to reset can change how you see the whole thingWriting gets easier the more you do it, even when it's not your favoriteGetting to choose your own project topics can show you what you actually care aboutThere are a lot of ways to focus on women's health in medicine beyond OB/GYN, including family medicine and endocrinologyNot loving going to the doctor yourself can be a pretty good reason to want to make it better for other people Chapters0:10 – 1:50 Back after a long break and Nadia's final semester at Northeastern1:50 – 3:50 Still in school while high school friends and her roommate have graduated 3:50 – 8:12 Working at Vuori, postponing the MCAT, and coming back from burnout 8:12 – 14:50 Alyssa's friend questions whether Nadia really wants to be a doctor 14:50 – 20:54 Last semester classes and choosing topics on maternal nutrition and food insecurity20:54 – 23:00 How past co-ops and projects kept pointing her in the same direction23:00 – 26:29 The gymnastics gym assistant and whether women's health is a natural interest or a trend26:29 – 30:04 Family medicine, endocrinology, and Tanya's local women's health symposium30:04 – 33:18 Planning this season and why good and bad healthcare experiences are worth talking about 650.701.7686 (o)650.332.2739 (f)510.673.8712 (m)Sports & Dance Rehab|Pilates| Group ClassesOn the Move Physical Therapy501-D Old County Rd.Belmont, CA 94002web - http://www.onthemovephysio.comemail - alyssa@onthemovephysio.comIG - https://www.instagram.com/onthemovephysio

It's Kiera and Britt on the pod together, with listeners getting a live look into how the Dental A-Team is thinking about the year's end — plus ideas as to what could be copied over to dental practices. There's a large emphasis on cost estimates and budgeting, including knowing when to fine-tune production or start cutting, and finding alignment as a team over those decisions. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera (00:00) Hello, Dental A Team listeners. This is Kiera and today, wow, today feels like it should be written in the history books. Me and the Brittany Stone, No BS Britt coming on the podcast today. Britt, how you doing today?   Brittany (00:12) Good, was just thinking it's been a minute since I've been on the podcast.   Kiera (00:16) I know. I always message Britt when I need like certain topics. I'm like, hey, you want a podcast with me? And Britt's nice to say yes to me. I don't I don't bring Britt on as much as we used to. Britt doesn't actively take clients now. Britt hangs out in the background with me more often. So Britt, I think that that's like a win. I'm gonna say it's a win. Like Britt gets to be a little,   Brittany (00:36) I'll take it as a win.   Kiera (00:38) yeah. We work on some cool, crazy projects. We're working on a real fun one right now, getting ready for next year.   Britt, that spreadsheet's sexy. Spreadsheets are kind of my love language. So reviewed that   Brittany (00:48) Thank you.   Kiera (00:48) this last week and we're excited. There's some fun things coming up in the company for all future clients and our current clients. So Britt and I work behind the scenes, but yeah, No BS Britt. If you guys don't know her, she has been a consultant for quite a while. She has like three favorite clients that she kept when she decided to, you know, move along. And then she works in our operations in HR. And Britt is just a wealth of knowledge. She also's a hygienist. So   All things, but Britt and I decided we'd get on the podcast. AK I decided and asked Britt if she would join me is really how this shook out.   Brittany (01:16) Yeah   Kiera (01:20) we want to talk about like some of the things we're doing in Dental A Team for end of year planning. And I figured Britt and I, like these are our real everyday conversations, helping you guys plan and prepare for end of year. And Britt, maybe I'm a little psychotic on end of year planning, but I figured like let's kind of go through what we do together in our company, how we set up, and then hopefully again for offices you guys can be prepping for.   end of year. So that's my that's my plan for today, Britt. I hope you're on board with that.   Brittany (01:45) I mean, I like it. think our company sometimes has a little bit more, has a few more variables than like dental practice   Kiera (01:51) Yeah.   Brittany (01:52) end of year planning. think we'll just say that on the like psychotic comment, but dental   Kiera (01:58) Yeah.   Brittany (01:58) practices, not to say there aren't variables involved, but you know, cost of travel and stuff like that is real fun right now.   Kiera (02:07) I mean, seriously, our travel costs, we were going through all of our expenses this year and I was like, wow, we are up a lot. And a lot of them are just travel costs. Like I was shocked at how much travel has gone up. There's just a lot of things, right? Everybody's dealing with inflation. And so   Brittany (02:20) Mm-hmm.   Kiera (02:21) as we go through it, I think systematically Britt and I start planning our year around September time. So we'll be going through and we're gonna pull up all of our costs for last year. So we're gonna look to see.   We're gonna look at 2025 and then we're gonna run from 2026 from January till September. What is that? And then I don't know what the word is, Britt. Like when you just I think it's project out. That's the word I'm looking for. We're gonna project, yeah. Choose the word. We're   Brittany (02:43) Protect, forecast, choose your word.   Kiera (02:46) gonna project your forecast out how much we think we're gonna spend for the rest of the year. So that way we can get a good glimpse of what does everything look like? How does this work? What what are we actually doing? And then becomes my favorite part until I hate this part.   You then go   Brittany (02:59) Zzzzz   Kiera (03:00) to what we plan for next year. And so   Brittany (03:02) Mm-hmm.   Kiera (03:03) Literally there's a line item of like what's 2026? And then what do we think 2027 is? And man, Britt, we got our booties burned on some of the things we projected last year. Like we thought it was only gonna be 90,000 and it came in at like 120. So I definitely recommend looking at that. but also like Britt, what are some of the things you see for us and then also for offices? Like when we're projecting out for next year.   What are some of those costs to be planning in? Cause you've got your everyday ones. We're going need to impact for inflation. Like you said, like we're going to sell travels. Like we're going to have to need to boost that up. You still got merchant fees. You still have your rent. You still got these different pieces.   Brittany (03:35) Thank   Kiera (03:37) But like, what are some of the additional things that like you and I talk about in the business that I think a lot of practices might also be considering in their practices too?   Brittany (03:44) Yeah, I think that the steady things are the easier things, right, to anticipate. It's when you're wanting to go and do some fun stuff like, hey,   Kiera (03:52) Yeah.   Brittany (03:52) let's go buy this thing or let's, you know, implement lasers across hygiene and we're going to need to go and buy lasers for everybody or things like that where there's going to be a bigger cost, bigger expense, bigger investment or like, hey, we want to build out.   three ops, right? What does that mean? Does that also mean we're adding in more providers if we're building out those operatories? So some of those things that are one, bigger costs, two, there's opportunity involved. So like there should be some revenue involved with that, of course, if we're investing in those types of things, but being able to plan out both sides of them. So one, what's our investment? One is that investment hitting us? What's that going to look like? And two, right, then like   Part of the fun is like the, are we banking on being the result of that thing? So   Kiera (04:43) Yeah.   Brittany (04:44) if it's provider related in a dental practice, right? What does that mean for even our revenue, our production, if we're gonna be adding on a hygienist or adding on, you know, another doctor to the practice that we didn't have there before. If it's just   Kiera (04:58) Yeah.   Brittany (04:58) an expense, right? Then planning for that expense and how you're gonna go about paying for it, whether it's gonna be.   one lump sum that's going hit us or if we're going to finance something and then that bill is going to be coming to us every month and we're going to be paying it out.   Kiera (05:13) Yeah. And Brett, I think when you talk about that, like it is tricky. And I do think we have a bit more variable expenses. Like for us, it's like dental offices, you know, you got your dental assistant, hygienist. For us, we're like, shoot, when do we need to hire a consultant? Like, don't be too early,   Brittany (05:27) you   Kiera (05:27) don't be too late. What's their capacity that they can handle? so I do think our company does have a few more variables, but I also think, like you said, it's a okay, what is it going to cost? And then what is our projected income for next year or our revenue?   And I'm really excited because in our mastermind with our doctors coming person, this is mine and Britt's like little power project that we've been working on of like   Brittany (05:47) Thanks   Kiera (05:48) helping doctors see, like build in all the expenses that you want. Then let's see what we're gonna produce in how many days and what's your dollar per hour. And then it's like figuring out which levers we can push. And Britt, I think about you often of like, okay, do we need to produce more or do we need to cut more? Like which one are we going to be leveraging? And so when offices are looking at this, and even for us, like I love to have that wish list. Like I love to put it in of   I want to hire this and I want to do this. And like I think, and then when we get to the bottom of it and we're looking at our projected income, it's like, shoot. Now we get to go back through with like full blown   Brittany (06:16) So she's not very happy.   Kiera (06:18) razor and just cut and slice and dice. And hey, Britt, I'm just curious, how do you feel about company retreats on that budget line? Just curious how you feel. I know you just talked to an office about this the other day. It feels relevant, but how do you feel about company retreats?   Brittany (06:32) I think one, build those things in for what you want   Kiera (06:35) Ha ha ha.   Brittany (06:35) to do, what you want to plan to do. then plan wisely. Company retreats can get wild. I think we've all heard some stories. We have great teams, but sometimes we put up in an environment and in a condition and things happen and we have to deal with things we don't want to deal with when we're trying to have fun. yeah,   Kiera (06:51) Yeah.   Brittany (06:53) that's what I'll say on that topic.   I think that owners, this is a good practice of planning things out to be able to see, if I want to do all these things, right? I love my docs that like want to go and take all the courses and buy all the things and have all the newest stuff, which is great. But what does that mean if we go get all the new stuff and go to all those courses and what do we need to do to be able to actually pay for those things? I also think it's really important for our managers out there.   I think it helps to bring some kind of reality to the situation. think a lot of the times if we don't know facts, we sit there and like, well, why can't we do this? Well, why can't we do that? Well, I really want to give this first than that. And I really want to do this, which we would love to do all of the things. But when it comes down to it, can we actually do it? Can we afford it? Because that's often when they're not involved in that side of it of seeing what the spend is and the reason why we need to set goals where they are. They'll be like, well, why is our goal so high? And I was like, OK.   There's a reason why our goal is so high and no, it's not just because we want our owners to make money. There's a lot of factors involved in that. And yes, we also want our owners to make money.   Kiera (08:00) Mm-hmm. And Britt, I think that you just highlight something really important is I actually hadn't thought about it till right now when you said it. I do love that you and I work through this because I think there's an accountability side on both of ours. Like we both   Brittany (08:11) No.   Kiera (08:12) went and put the budget together. We both said what we thought we needed for the business. We both said,   Brittany (08:15) I   Kiera (08:16) hey, we think that this needs to be there. So then when we come back around and we're like, well, nuts. We gotta like figure out this amount. We gotta figure this out. Like I remember, I don't remember what it was this year. There was something you came to me and I was like,   I don't know, Britt. This is the budget. This is what we gotta do. Like, go figure it out. Like, we don't have the extra cash, even though we want to. But I think also I've done it. I remember last year, it wasn't this year, it was last year. I was like, Britt, I want to hire all these people. And you're like, girl, we made the budget. Like, this is what we said we could afford. And I'm like, I know, but I want all these people. And Britt was pretty much like me. And like, hey, well, what are you gonna go? Like, where can you cut, or where can you like this is how much we have agreed to allocate for it? Go go figure those things out. And so   I think it's really important to have doctors and OMs together where both of you guys are aligned. You can both keep each other in check and be looking and projecting forward. I think something that's hard, Britt, and I'm not sure if you've got ideas for offices, hiring people I think is one of the hardest things for me to like budget in because it's what like someone's salary, they might only get hired midway through the year. And I think something we did this year is I hired like three to four months before a lot of these people were projected in.   Well, that absolutely impacted our spend because we were hiring them. We met people, like, we know we want this position, but adding them in three months before they were really necessary or needed, I do think was a big like hit on us. And so I'm just curious, like,   Brittany (09:39) Thanks.   Kiera (09:39) how do people plan for when to hire, how to budget that in? Any thoughts you've got? Because I do think personnel is usually one of the biggest changes that a doctor office is going to do.   Brittany (09:49) Yeah, and I think that it's only those one, those offices that are in a stage or like those like multiple practices that are in a stage where you're going to into some sort of like expansion, right? If not, I'd say on the year is a good time to evaluate if we want to like add a brand new role to a practice without changing any other factors like revenue that they're going to bring in.   And so I think that you've got to plan ahead and look at it in a little bit more detail by like, great, here's what the first six months are going to look like. Here's what the next six months are going to look like and what our expenses will be as you look and you forecast out. I'll say usually with dental practices, if you're looking at adding providers, it's a little easier because usually as long as they're hitting their production they need to hit, it's going to keep my other   my other numbers in line, right? If I hire a hygienist and I can keep them busy and I'm paying him the appropriate percent of their, you know, production, what they're gonna make for me, then like, I'm not really worried about that throwing my profitability way off because it's still gonna keep me in line. Associate is gonna be similar-ish. There's a lot more factors of like, how's it gonna impact owner-doctor production if I'm adding an associate. So we've got a...   Think about that a little bit more, but let's oversimplify it and say, hey, we've got all the patients. We know we can keep that associate busy. Then I know I can hire an appropriate level team to go with them, assistants to help support them, right? They're going to be producers if saying we have the patient base for them, then I'm not as stressed about adding them in. Still should like run it, see what it's going to look like.   Kiera (11:31) Yeah.   Brittany (11:32) But if they're a provider and we have the patients in order to keep them busy to where they're going to be producers.   then you can move a little bit more confidently than I'm adding a role that has no production side to it because that means my revenue is gonna stay the same and I'm adding costs.   Kiera (11:49) Totally. And the only other one that I'd throw in, because of course this is like my role that I pitch to hire, is like a treatment coordinator because they can put quite a bit of dollars on your books for you, close more cases for you. You don't even have to have more patients for you. But I agree with you, those ones are easier versus it being like, We need an office manager or we need this person or I might need to give raises out for everybody. And there have been years where as much as I want to do raises,   We're in a heavy growth year and it is just a like Britt and I lock in and we say, like, all right, this is the budget. This is how much we can have. I do also think it's important to re-look at that budget because if we aren't producing as much as we thought we were, well, we might need to make some of these changes for the second half of the year that we haven't considered. So we'll dig into our like real life. So this year when Britt and I are looking, we're saying, Okay, what are we really budgeting out for next year? We know we're doing these masterminds and Britt can we just like   Brittany (12:38) Yeah.   Kiera (12:39) your budget that you had.   isn't gonna work for next year. That was literally the slack I think I got last week of like so we need to up that budget for next year.   Brittany (12:45) Something to that   effect. We have a lot more people that are coming to those and we keep having more people each time we do them. So we know it's gonna get bigger.   Kiera (12:56) Which is awesome. And I think it was fun because Britt and I like it forced us to innovate. And kudos to Britt. She went and found a really awesome venue for us. It's going to be able to facilitate the growth that we're wanting. We want these masterminds to be awesome. Our doctors love it. Hey, if you're not a part of it, join us. Like, hey, you want to be a part of it? It's very fun. It's a very fun community. Connect in with us. but I think it's a space of like, okay, we know that that's going to be a budget increase for next year. We know travel will be a budget increase for next year because going up to clients. We also like Britt and I are looking and we're looking at how much our consultants have capacity for.   We are looking to bring on another consultant for next year. So hey, if any of you know a great consultant or anybody who wants to be a consultant, shameless, not shameless plug. Send over any consulting friends you've got. They want to work for Dental A Team. Cause Britt and I, Britt, how fun is it to hire consultants?   Brittany (13:44) You know, it's a unique set of skills, we'll put it that way. And so they are a level of a needle in a haystack. So we love good ones. So you read with Kiera, you've got the background, you've got the experience, come over to us if you know the business side of dental and want to be a consultant. But yeah, it takes us a while. It's not a quick hire. And I know I'm preaching to the choir to a degree on, for some of you, what it's like to hire even for dental practice right now.   Kiera (14:09) Agreed. Yeah. So it's one of those spaces of like hiring an associate or hiring a hygienist or hiring other positions. They're tricky. that was literally not a shameless plug. If any of you do want to be a consultant, reach out. Britt and I are actively interviewing. So reach out. Hello@TheDentalATeam.com. Don't worry, doctors, we're not taking any of your office managers. Any office managers who know people in the industry, send them our way. We'd love to work with them. but we're hiring that. We also know we're hiring like we got bigger this year. We added a lot of admin to our team. I mean,   For Britt, her role split into three roles. Like that was a big change and a big shift that we had to make. So when you look at it, and I think for all dentists right now, as you're building out, look to see what do we do this year. Look to see, like Britt said, what are the things that are going to stay the same? And then what are the pieces that you're actually going to need to increase or change out? And then look to see at that bottom dollar amount. Britt, this is always where it like depresses me. And we just get that big number. It's like all the wants and wishes. And then I go back up and it's like, all right, what things do we really have to have? What thing I mean.   Last year it was over analytics. Like we get scrappy and   Brittany (15:09) Yes, yes, yes, yes, yes, yes,   Kiera (15:10) we're like, all right, could we get a better deal? Is there a different software? Is there AI that could replace this? Is there this? Like, I do actually, Britt, to me, you might not like that part as much. As much as I hate that like bottom line number versus what our production is. How do we like innovate to get those numbers to be in a line to where your profit margins are still where they need to be? What are the trade-offs you're going to make? And sometimes your trade-off is that you'll have less profit because it's a growth year. Other times the   Brittany (15:33) Mm-hmm.   Kiera (15:34) trade-off is   We're gonna scrap and we're gonna grind and we're gonna just figure it out. And that's the trade-off for this year. But do you have any suggestions for offices of like, okay, what happens when I'm too high over budget and I need to like figure out my production or cut? Like, how do you get those offices to be in alignment so that way they feel like they like next year we can actually afford all the things we need and we're also gonna be able to produce what we need to produce?   Brittany (15:57) Yeah, this is where Karen and get into some good back and forth on some of these topics.   Kiera (16:02) That's great. That's why I brought you on today.   Brittany (16:06) And I think in getting it into alignment, I think there's the necessary things that we need to do. Like those are ones that no matter what, it's necessary and we need it, then we've got to find a way to produce enough and collect enough in order to get those things. That's the way we've got to tackle it. I think on some of the other ones,   I think you can build it in, in a dental practice to be like, all right, well, here's our necessities. But if we hit X number, right, then great, we can do this thing. Or if we hit X number, we can go and we can add this thing to our monthly cost and moving forward. it can be a little bit of a, here's our study that we know we can hit. And great, we've gotten our expenses where this is our like,   comfortable space, but we know we're always going to push ourselves a little bit more. And when we push ourselves, here's our reward. We hit it. We can get X, Y, Z and add those things in because we did better than we thought we did.   Kiera (17:08) Yeah. No, and Br I agree. It is a good healthy back and forth. And I do think that that comes down to like, okay, we budget this much for team gifts or events or for a retreat. This is where Britt and I are like, All right, we will put it together at this point in time. Like, what are the innovative ways that we could do it? Or hey, if we hit this, like offices all the time say they want to go on these retreats. I know I'm like, We we make a joke because our team is virtual. So then you force people to travel who aren't travelers. It got a little wild for us for a few years. So Britt and I were like,   Screw that. We're not losing any more team members. We're not running any more retreats. Like, we're done. And it's a PL save. But that doesn't mean that like our team loves to get together. So can we do things when we get in person for the masterminds? Like that's where we got creative of like, when do people get together? What could we do that could be fun? I did love the idea. Like, again, no ideas are off limits. Someone's like, well, can't you guys like just do your retreat on Sunday after your masterminds? And I was like, hard no. I'm exhausted. The team's exhausted. We want to.   never see each other for six more months like just pure exhaustion because we put so much energy out for everybody. But I think it's really where you can just go back and forth and it's like, okay, well, if we want to do this type of a retreat, like, is there a way we could get the same outcome on a different budget? Or are there different ways   Brittany (18:20) Mm-hmm.   Kiera (18:21) too? And I really do love that Britt and I will come in and it's this back and forth. It's both of us creatively thinking, Britt pushes hard on like, is this really a must or is this like a want? And I appreciate that. But even looking at consulting, like   I think that there's a space, and I think Britt and I are a good example of this, which is why I wanted you guys to hear our genuine true back and forth. Me sometimes I'm going to push, like, no, Britt, we do need to hire this consultant or we do need to have this. This year, I had three great ideas. Of my three great ideas, one was good, two were not so good. Like Britt, I'll hand it to you. The last hire we made that you told me not to do, that I thought was a brilliant idea, didn't pan the way we thought it was going to. And I called it, I've admitted it, it was not a good move.   But I think that there's like my job is to push and innovate and try things that maybe Britt would say, like, I'm not so sure. And Britt's job is to say, like, you might want to think about this before you say it. But there are some times when I'm going to see that, like, no, bringing this person in or bringing this piece in or changing this up, it might not be right. But I will say, like, between the two dynamics of a doctor and an OM, make sure that both of you are pushing your agendas while coming together of what's in the best interest of the business. Those are my thoughts, Britt, but I'm sure you have your perspective of it too.   Brittany (19:31) Yeah, and we're always going to try things and they're not always going to not everything's going to pan out, especially like technology and all the things going on and all the advancements. Like there's going to be things we try that we're like, hey, this might be a great idea. Think it will work. Let's do it. We do it. We're like, man, maybe that isn't as helpful as we thought it would be. We'll fix that one and we're going to move on. I think those things, if they're not happening, we're probably not trying enough.   If they're happening all the time, then maybe we could vet a little bit better before we jump into some of those things.   Kiera (20:03) fair. And I think they like I think in dentistry it's a little bit easier. Britt and I are in the wild while the bus over here. Neither of us have ever built a dental consulting company. So you better believe some of my like late night grandiose great ideas, some of them have been kick A. Some of them have been awesome. Others, hmm, that one didn't pan. And I think having the humility on both sides of like that didn't work and always coming back to the table of this is in the best interest of the business.   what's really going to get us to where we need to go. So I think Britt, thank you for coming on and humoring me today. I really want people to hear   Brittany (20:33) Thank   Kiera (20:34) like what you and I do back and forth. Hopefully for doctors and OMs, I would say it's time. Like let's go run our numbers for this year. Let's project out through end of year what we think it'll be. And then let's build 2027's budget. Let's look to see what it's going to cost us. Let's look to see what we want to add in, what team members, what softwares, what consulting. Like this is where a lot of times people have also I will say on the consulting end of year, if I know we want to add this in for next year.   And I'm looking at my tax liability this year. Britt   Brittany (20:59) Mm-hmm.   Kiera (20:59) knows I am in a heavy hunt of what are the capital expenses? What are the things that I can put in now that are going to benefit us for next year? That's also going to keep our cash flow high. So if you you've got a higher tax bill this year, that's why I like to plan in September. Cause then I've got October, November, December. We have prepaid for event venues. We have prepaid for consulting. We know we're gonna have lots of our clients will pay at the end of the year for consulting. So if you've been considering that, then it's not a cost next year that I have to do. We're getting the benefits of it next year.   But I'm able to get the discount rates. And sometimes also Britt and I will negotiate with people, hey, if we pay in full at the end of year, can we get a discount? Like people are willing to do things because they know business owners need to get these off their books. So I'd really recommend dialing   Brittany (21:38) Mm-hmm.   Kiera (21:39) it in, looking to see. I can't pre-pay and hire somebody today. Like I can't do that. But software, consulting, technology, different things that I want to bring into the business. Things like if we know we're going on a trip, like we will pre-book a lot of our flights at the end of the year.   anything that we can do, depending upon the tax liability that we have, it's things that we're gonna do. And everyone's like, you might kick your can down the road. True. And next year might not be as profitable. We knew we were headed into a growth year this year. So we stockpiled last year. We knew this year would be a bit more of a stretch year. That's how I think business owners should look. And it gives you, I'd rather you be doing this today in September or October before the end of the year. So you have time to make those decisions. So those are my final thoughts for any for you.   Brittany (22:19) And I'll come in with my   like conservative two senses as long as it's something that you know you're going to spend money on anyways. It's kind of like I've got I've got a friend's family that I'm like, it's like the people who are like, well, it's on sale. So I bought it. I'm like, OK, but a good deal on something you don't need is still spending money you don't need. So   Kiera (22:38) Yeah.   Brittany (22:39) as long as it's something that you actually need or you are actually going to spend money on anyways, 100 percent agreed. But don't go like.   spend money on stuff you don't actually need to spend money on.   Kiera (22:51) I do agree. And this is again where you got good, like it's a good balance here.   Brittany (22:54) Yeah.   Kiera (22:54) agreed. I'm glad you put that caveat in because all those pieces like software, technology, consulting, we knew we were going to do it anyway. Let's just get it for a better deal because we can. Like we will bundle end   Brittany (23:01) Mm-hmm. Correct.   Kiera (23:05) of year. We're is looking at all of our softwares and we were hunting to see, like, hey, if we buy it now, if we do a whole year, things we know we're already going to do, can we get that a reduced price? That's also going to keep our cash flow higher next year, too, for us, which is always a benefit. So   That's our that's our end of year. We're, you know, having a good time with masterminds. They're growing. They're a good time. They're so fun. We're looking for consultants. but I also think, Britt, like, I think Dental A Team is it's a growing company and it's always going to be growing and it's always going to be evolving. And I think both of us have accepted that. Some dental practices aren't. And it's also okay if like your numbers are pretty consistent year over year.   Brittany (23:40) Mm-hmm.   Kiera (23:41) That's also okay. But look, you might be looking in like,   What are the raises? Or what are the CE courses we could take our team? Because just because you flatline, if you will, you're not adding more head count, you're not adding more tech, you're not adding more ops. What things can I do to innovate and push my team forward? Or how can I get more increased dollar per patient in the practice?   Brittany (23:57) Mm-hmm. Mm-hmm.   Kiera (24:01) Those are the areas to be looking at. So every practice should be like, this is the push, this is the innovation, this is the creation, and then lock in. And Britt, like we got to lock on that budget. Britt does a good job of being like, no, we locked on this, we stay on it.   reconcile it monthly and then reset usually halfway through the year to see how you're doing. Obviously look at it quarterly, but really I don't really try to make big budget changes until about mid year to let it ride for a little bit longer.   Brittany (24:25) Mm hmm.   Yep, I agree with you. And yeah, offices, your spend may not change a whole lot each year. You should be growing to a degree each year. And yeah, costs are going to go up to a degree each year, but it won't. Some don't swing as far as some others. Now, my my practices out there, my my owners, my true entrepreneurs out there, they're like, yeah, I'm adding a practice next year. I'm doing   Kiera (24:50) Mm.   Brittany (24:50) this or I'm doing that. Like, yeah, there's going to be a few more variables in the mix.   Kiera (24:54) Absolutely. So go guys, go start plupping pranning. If you need help with this, we're literally working on it with our doctors and our offices. It's a great time. reach out Hello@TheDentalATeam.com. Britt, thanks for being here. Thanks for being my like No BS Britt. You always love give it to me straight. You always talk to me. And I respect that so much because I think every good entrepreneur needs a great No BS Britt next to them who will make sure that both are are synced and can really do the best in the business. So thank you for being on the podcast with me today.   Brittany (25:23) Thanks for having me.   Kiera (25:24) Of course. And for all of you listening, go get your end of year in place. Go get your numbers dialed in. Reach out if we can help you in any way. And as always, thanks for listening. We'll catch you next time on the Dental A Team Podcast.  

Picture cloud-white sand surrounding you on every side, with the Sacramento Mountains as your backdrop, and a sunset that turns everything a shade of pink and purple. THAT's the awe that is waiting for you at White Sands National Park. Well, that and some other fun activities like hiking through nature trails, and even sledding! We'll also take you through all the quirky rules this park has that no other national park does — and what makes White Sands so incredibly unique.  In this episode, we cover: The two things that make White Sands totally different from every other national park The working missile range, located next to the park A driving tour down Dunes Drive, including the Playa Trail, Dune Life Nature Trail, and Interdune Boardwalk How to sled the dunes (hint: cardboard boxes don't cut it) Why so many commercials, movies, and music videos have been filmed here The best ranger program in the park and why sunset is non-negotiable Where to stay, eat, and detour in nearby Alamogordo Your task for today: Have you been to White Sands for sunset? Head over to the @DirtInMyShoes Facebook or Instagram page, find your favorite sunset photo from the dunes, and tag us so we can see it too! Don't miss the full show notes packed with all the links we mentioned so you can plan your adventures like a pro: https://www.dirtinmyshoes.com/exploring-white-sands-national-park/ Planning your own White Sands National Park adventure? 5 Things You Can't Miss On Your First Visit to White Sands: https://www.dirtinmyshoes.com/5-things-cant-miss-first-visit-white-sands/  Episode 49: Best National Parks for Young Kids (White Sands National Park makes the list!):  https://www.dirtinmyshoes.com/best-national-parks-for-young-kids/  Episode 105: 8-Day Spring Break National Parks Road Trip (that includes White Sands National Park): https://www.dirtinmyshoes.com/8-day-spring-break-national-parks-road-trip/  Master Reservation List: https://www.dirtinmyshoes.com/list/ National Park Checklist: https://www.dirtinmyshoes.com/national-parks-checklist/ Trip Packing List: https://www.dirtinmyshoes.com/pack/  

In this episode, Jason breaks down the five planning practices he believes are essential to successful construction delivery: pull planning, look-ahead planning, pre-construction meetings, morning worker huddles, and material queuing. The goal is to stay ahead of the work, remove roadblocks early, and make sure every crew has what they need before they begin. When the work is truly ready, teams spend less time reacting and more time executing. What you'll learn in this episode: Why pull planning should begin months before a phase starts. How look-ahead planning identifies and removes roadblocks before they impact work. Why pre-construction meetings ensure each trade is fully ready to start. How morning worker huddles align crews before they enter the work area. Why materials must be inspected, staged, and fully kitted before delivery to the crew. Are you planning far enough ahead to make tomorrow's work predictable?   If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

AI, tariffs, shifting consumer expectations, and new delivery models are creating fresh challenges and opportunities for supply chain leaders. In this episode of Supply Chain Now, Scott Luton and Jake Barr sit down with Gartner's Noha Samara to bust some of the biggest myths surrounding AI in supply chain planning. Then, Scott talks with Wall Street Journal reporter Liz Young about the forces reshaping retail and logistics, from product assortment and tariffs to trucking, last-mile delivery, drones, and returns.Noha challenges the idea that AI success is simply about doing the same work faster, emphasizing instead the need to redesign jobs, rethink processes, build trust with planners, and focus AI investments on a smaller number of high-impact use cases. She also explains why productivity gains should be measured by the higher-value work AI enables, not simply by workforce reduction.Later, Liz brings a reporter's perspective to the rapidly changing retail supply chain. She shares how companies are reducing product variety to manage tariffs and complexity, building greater flexibility and resilience into their networks, and navigating increasingly diverse consumer expectations around delivery. The conversation also explores rising trucking costs, the potential of drone delivery, generational shifts in shopping behavior, and the costly challenge of product returns.Key TakeawaysAI productivity requires redesigning work, not simply accelerating existing tasks. Organizations need to rethink workflows, roles, processes, and decision-making to unlock AI's full potential.Trust must come before adoption. Planners need to understand how AI reaches its conclusions and how humans and AI will work together before organizations can expect meaningful adoption.AI productivity doesn't automatically mean workforce reduction. The greater opportunity may be redeploying saved time toward scenario analysis, root-cause analysis, inventory optimization, and other higher-value work.More AI use cases don't necessarily mean more value. High-performing organizations are selective, concentrating resources on fewer, higher-impact initiatives and building capabilities that can support future use cases.Retailers are using assortment and sourcing decisions to manage complexity. Reducing product variety can help companies concentrate on best sellers while simplifying sourcing and tariff exposure.Flexibility and optionality are becoming essential supply chain capabilities. Companies are diversifying sourcing, improving visibility, reconsidering inventory strategies, and preparing for disruptions that may be impossible to predict.The last mile is no longer just a race for speed. Consumers have different expectations around delivery time and cost, forcing retailers to get smarter about inventory placement and fulfillment choices.Returns and emerging delivery models remain major questions for retail. Drone delivery is expanding while retailers continue searching for better ways to manage the cost and complexity created by online returns.Tune in for a wide-ranging look at what supply chain leaders should be thinking about now and what may matter even more in the years ahead. From separating AI reality from hype to preparing for tariffs, transportation shifts, changing consumer behavior, and new fulfillment models, this episode offers practical perspectives for building supply chains that are more adaptable, focused, and prepared for the unexpected.Additional Links & Resources:Connect with Liz: https://www.linkedin.com/in/bylizyoung/Connect with Noha: https://www.linkedin.com/in/noha-samara-4864863/Upcoming Live Programming: https://supplychainnow.com/upcoming-live-programming/Supply Chain Now Resource Hub: https://supplychainnow.com/resource-hub/Learn more about our hosts: https://supplychainnow.com/aboutLearn more about Supply Chain Now: https://supplychainnow.comWatch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-now Subscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/join Work with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkLearn more about Blue Yonder Cognitive Solutions: http://blueyonder.com/cognitiveWEBINAR- You Can't Manage What You Can't See: Using Visibility, KPIs, and AI to Optimize Logistics Operations: https://bit.ly/4ql6iemWEBINAR- The Four Eras of Freight Audit: How we got here, and why the Control Era (finally) changes everything: https://bit.ly/4yVXPBxWEBINAR- The Real ROI of AI Analytics in the Supply Chain: Better Answers When Everyone Starts Asking: https://bit.ly/3TpCX6uWEBINAR- The Cost of Skipping the Audit: Why Site Scans Should Come Before Every Pallet, Crate, or Wood Packaging RFQ: https://bit.ly/4AJzReAWEBINAR- How to Stop Losing Margin After a Package Ships: https://bit.ly/4An41UxWEBINAR- Rethinking the Supply Chain Management Classroom: https://bit.ly/4xJIkM2This episode was hosted by Scott Luton and Jake Barr, and produced by Trisha Cordes, Joshua Miranda, and Amanda Luton. For additional information, please visit our dedicated episode page at: https://supplychainnow.com/from-planning-retail-where-supply-chain-heading-1641 The content in this episode, including all audio, videos, visuals, and graphics, is the property of Supply Chain Now and is protected by copyright law. Unauthorized use, reproduction, distribution, modification, or re-uploading of this content in any form is strictly prohibited without explicit written permission from Supply Chain Now.For licensing inquiries or permissions, please contact us at production@supplychainnow.com© 2026 Supply Chain Now. All rights reserved. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your engagement ring is one of the biggest purchases you'll make, but what happens when it disappears? We're talking ring insurance, wedding insurance, and the unexpected things every couple should protect before saying “I do.”   Follow BriteCo. on Instagram- ⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.instagram.com/brite.co/   Planning a wedding? It's time to plan smarter with Loverly's free wedding planning platform. From comprehensive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠wedding checklists⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠guest list management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vendor manager,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ we've got everything you need to make your special day unforgettable. Let's be friends! Follow us on IG: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Loverly⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ We're on TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Loverly⁠⁠

Saving for retirement is only part of the equation. In this episode of The Budgetdog Breakdown, Brendan answers listener questions about retiring at 50, Roth conversion ladders, tax-efficient investing, asset location, and the HSA's role in retirement planning. The conversation begins with the importance of building flexibility across pretax, Roth, and taxable accounts. Brendan explains how having too much money concentrated in one tax bucket can create challenges when it's time to withdraw, and walks through the concept of Roth conversion ladders for people retiring before traditional retirement age. We also explore why the location of your investments matters, including why interest-producing assets such as bonds can be less tax-efficient in taxable brokerage accounts. Finally, Brendan breaks down the HSA's triple tax benefit and explains why it can function as an additional retirement-planning tool. Money isn't just about how much you accumulate. It's also about how efficiently you can use it. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:18 Retiring at 50 with a pretax-heavy portfolio 01:17 The three investment buckets 02:33 Understanding tax-efficient withdrawals 03:34 How Roth accounts work 04:15 Taxable brokerage accounts and tax flexibility 04:56 Required minimum distributions 05:15 Understanding Roth conversion ladders 06:10 How conversion ladders work 07:11 When Roth conversions may make sense 08:04 Rule 72(t) and Rule of 55 08:57 Tax preparation vs. tax strategy 09:36 Roth conversions after a job loss 10:41 Why asset location matters 13:52 Understanding dividends and taxes 14:12 Why bonds can be tax inefficient 15:46 The HSA triple tax benefit 16:45 Reimbursing yourself for medical expenses 17:44 Why an HSA can function as a retirement account 18:59 What changes at age 65? 19:39 The importance of keeping receipts 20:57 Final thoughts Key Takeaways • Retirement planning requires more than accumulating money • Pretax, Roth, and taxable accounts each provide different forms of flexibility • Roth conversions may be worth considering during lower-income periods • Tax strategy should be based on your individual circumstances • Asset location can affect your after-tax results • Interest income from bonds is generally taxed differently from long-term capital gains • HSAs offer multiple tax advantages • Keeping documentation for qualified medical expenses is important • Planning withdrawals before retirement can help create greater flexibility Quotables "If you only fill up one bucket...it makes your journey much harder." "How you withdraw that money matters." "Your CPA is likely set up to do tax prep...they're not thinking about the strategy." "The HSA is one of my favorite accounts." The goal isn't simply to accumulate as much money as possible. It's to build a financial structure that gives you flexibility when you actually need to use it.

Planning a Walt Disney World vacation? Visit GetAwayToday.com/CastleTalk for discounts on tickets, hotels, and Orlando attractions. Carousel of Progress has always been about one thing: progress. Now, more than 60 years after Walt Disney and his Imagineers introduced the attraction at the 1964–1965 New York World's Fair, Disney is preparing to move the story forward again. In this episode of Castle Talk Radio, Becca and Jessica look back at the history of Carousel of Progress and break down the major refresh coming to Walt Disney World in 2027. We talk about how the attraction evolved from the World's Fair to Disneyland and eventually Magic Kingdom, why “There's a Great Big Beautiful Tomorrow” remains such an important part of the attraction, and why updating Carousel of Progress may actually be one of the most faithful things Disney could do with it. Then we step through the newly announced version of the show, including a new generation of the Carousel family, the 1960s, Halloween night in 1985, New Year's Eve 1999, a possible future, and the addition of a Walt Disney Audio-Animatronic. Plus, we discuss why the technology may change, but the real heart of Carousel of Progress has always been the same: family. The updated Carousel of Progress is expected to debut at Walt Disney World in late spring 2027. Planning a Walt Disney World vacation? Visit GetAwayToday.com/CastleTalk for discounts on tickets, hotels, and Orlando attractions. Chapters 00:00 A Great Big Beautiful Tomorrow Is Changing 01:17 What's Coming to Carousel of Progress 01:52 Why the Attraction's History Matters 02:15 The 1964–1965 New York World's Fair 02:46 The Sherman Brothers and That Famous Song 03:18 From the World's Fair to Disneyland 04:06 Carousel of Progress Comes to Walt Disney World 04:43 Why Disney Is Updating the Attraction Now 05:37 Meet the New Carousel Family 06:46 Act One: The 1960s 08:16 Act Two: Halloween Night in 1985 09:30 Act Three: New Year's Eve 1999 10:55 Act Four: A Possible Future 11:51 Imagineering Inspiration for the New Finale 13:18 Honoring the Past While Building the Future 14:53 What Does Progress Look Like Now? 15:53 When the New Carousel of Progress Debuts 16:19 Walt Disney Is Joining the Attraction 16:44 Why Family Is Still the Heart of the Story  

One of my favorite parts of serving retirees and pre-retirees is the perspective they share with me. Over the years, my retired clients have passed along wisdom that I'm grateful to share with those preparing for their own next chapter.Whether it's a sabbatical, phased retirement, full retirement, or even another career altogether, here are 6 things to ponder as you begin mapping out your back 9. I hope you enjoy it.-KevinConnect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

When you use an AI tool, how much time do you spend correcting it? And would your customers be willing to do the same?Kendra Vant, Chief Product Officer at Tapi, joins Randy Silver to explore the “reliability layer”: the people, checks and engineering that make AI products dependable. She explains why enthusiastic AI users often provide that layer themselves, and why product teams can't assume their customers will.Kendra shares four questions to ask before building AI into your product, from who catches mistakes to what reliability costs at scale. They also discuss designing for failure, the technical literacy she expects from product managers, and why faster prototyping makes experienced judgement so valuable.Chapters00:00 Introducing Kendra Vant02:51 The gap between an AI demo and a reliable product06:12 Accuracy, consistency and the user as the reliability layer13:31 Four questions to ask before building AI into your product18:27 Sponsor: Jira Product Discovery19:01 Planning for failure and protecting customer trust24:06 Customisation, pricing and the cost of scaling26:37 Do product managers need to learn to code?31:40 How Tapi uses AI to experiment and build33:25 Why small teams have an advantage35:05 Product judgement and the experience gap38:08 Using AI to maintain legacy code39:41 Ask better questions, write down answers and test your thinking43:11 Where to follow KendraKey takeawaysFind the work your users are doing for the AI. Correcting answers, refining prompts and spotting mistakes can make a tool feel more reliable than it is. Consider whether your customers have the time, motivation and expertise to do that work.Make someone responsible for reliability. Establish who specifies, builds and operates the checks around your AI. An impressive demo can conceal the fact that nobody owns this work yet.Price the whole product. Human review, additional models, guardrails and ongoing maintenance all affect the cost of delivery. Check whether your reliability layer remains commercially viable as usage grows.Design for the moments when it fails. Saying a model is wrong 15% of the time prompts a different conversation from saying it is 85% accurate. Identify the consequences for customers and plan how the product will recover.Build your technical literacy. Kendra expects product managers to be comfortable interacting with Git and learning from the codebase. Understanding how software works helps you ask better questions and collaborate with engineers.Recognise the value of experience. Faster tools increase what teams can build, but recognising flawed suggestions still requires judgement. Kendra raises an open question: how will newer practitioners develop that judgement as the work changes?Use writing to sharpen your thinking. Break difficult problems into smaller questions, write down your answers and explain them to a colleague. The gaps often become clearer when you have to articulate your reasoning.We're refreshing The Product Experience and want your input. Take our two-minute survey and help shape where the show goes next! Our HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

Lucas and TJ talk about the new shop, planning the layout, new machines, three-phase power, lasers, production, and everything that goes into building out a bigger manufacturing space.

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. Braves & Phillies Game 2 Preview RedZone - Tua talks about his injury Drive Around The Sports World See omnystudio.com/listener for privacy information.

Before you buy another planner, take a closer look at the planning system you already have! In this episode, I share my own “planner addiction,” why even good planning systems can stop working, and why a new planner may not be the solution. You'll learn how to spot where your current system is creating friction and make small ADHD-Friendly tweaks to help it work for you again—without starting from scratch.FREE ADHD-Friendly Planning ToolkitWant planning tools designed to work with your ADHD brain?Get my FREE ADHD-Friendly Planning Toolkit with practical tools to help you identify priorities, plan your time, and create an approach to planning that works for YOU.Visit ADHD-Friendly and get your free Planning Toolkit.More ADHD-Friendly SupportJoin ADHD-Friendly for live events, planning tools, workshops, Power Hours, and on-demand resources designed to help you struggle less and thrive more. ADHD-Friendly.Schedule an individual ADHD consultation for personalized support with a specific challenge, system, or goal.Create your ADHD-Friendly Personal Owner's Manual (POM) to better understand what works for your unique ADHD brain.Find all of these resources and more at ADHDFriendly.com.Thanks for checking out the ADHD-Friendly Podcast with Patty!New episodes are posted every Wednesday.Subscribe to the ADHD-Friendly YouTube channel:https://www.youtube.com/@adhdfriendlyListen wherever you get your podcasts and visit ADHDFriendly.com for more ADHD-Friendly tools, resources, and support.

Craig Bolanos, Co-founder and Wealth Advisor at VestGen Wealth Partners, joins Jon Hansen on Your Money Matters to discuss the latest market numbers. Craig breaks down why September is not a good month for the markets. For more information, go to GetRetiredStayRetired.com.

What are you saving for later?   The good bottle of wine. The nice restaurant.   The trip you've been talking about.   The golf course you'd love to play.   In this short solo episode, David wonders whether we sometimes get a little too good at waiting.   Planning for tomorrow matters. Getting organized matters.   But that doesn't mean we should keep putting off the things that bring us joy today.   David leaves you with one simple question: What is one thing you've been saving for later that you could enjoy now?   Because life isn't only something we're preparing for.   It's happening.   For David's book, other resources and more visit www.davidedey.com

Edwin Cheung went over budget while planning his wedding, so he went on TikTok to offer sponsorship opportunities at his wedding ceremony and reception. Jon Hansen chats with Edwin about how his video has gotten traction and whether companies have reached out to him.

Why are forecasts so often late, or short of what was planned? In this live Ask a Professional Scrum Trainer session, Professional Scrum Trainer Ludwig Harsch answers audience questions on estimation and planning for Scrum Teams. He draws on his training and consulting work to explain why estimation should be tested and adapted to each team's context, not treated as a universal rule.Ludwig explains how teams can move from unreliable hour estimates to relative sizing. He discusses when Planning Poker is worth the effort and when a lighter approach fits better. He also covers how to forecast when support work, context switching, and external dependencies eat into capacity. He makes the case for giving stakeholders projected dates with probabilities rather than fixed promises, and explains how Monte Carlo simulations can support that conversation.In this episode:Moving from hours to relative sizing, and what "size" should meanUsing Planning Poker and facilitation to build shared understandingKnowing when to stop estimatingUsing AI in estimation without losing team discussionChoosing a planning horizon, including for regulated productsHandling support work, dependencies, and shifting prioritiesComparing velocity, throughput, and capacity-adjusted metricsWhy Scrum Teams commit to the Sprint Goal, not a fixed number of backlog itemsAdvice for newly formed teams still collecting dataTune in for some great insights on Estimation and Planning in Scrum.

Get your 10-minute fantasy football edge: Bob Harris & Mike Dempsey break down today's NFL news + what it means for your team.  

Learn about why a getaway begins before you pack your bags so you enjoy each other once you leave. | “Planning is bringing the future into the present so that you can do something about it now.” —Alan Lakein Is it really possible to rekindle the spark and restore the “like-new” connection in your marriage? Yes it is! In the 6 Pillars of Intimacy, you will discover secrets that have transformed countless marriages. Its ideas are simple, practical, and powerful. You'll be inspired to look at your marriage through a new lens and be encouraged by its commonsense approach. Alisa and Tony DiLorenzo's proven approach to building intimacy in marriage will help you experience deeper and richer levels of intimacy with your spouse – starting today. Click HERE to get your copy today! Links from today's episode: Apply for Marriage Coaching The 6 Pillars of Intimacy® Certified Coaching Program Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, Dr. Scott Watier gets ahead of the fourth quarter, unpacking the Wharton "fresh start effect" research on why people wait for January to recommit — and why that costs them three of the most important months of the year. He debunks the holiday weight gain myth using the landmark NEJM study of 195 adults, which found an average gain of less than a pound over the holidays, but the real danger: that small gain typically doesn't come off, and follow-up data showed it had doubled by the next fall, eventually accounting for roughly half of a person's total annual weight gain. Scott lays out three research-backed principles for fasting through Q4: flex your eating window around big events instead of abandoning your habit entirely, decide your break-fast time, first food, and window close in advance using "if-then" implementation intentions (backed by a meta-analysis of 94 studies showing a strong effect on goal achievement), and remember that one off-plan meal doesn't write the story, citing University of Toronto research on the "what the hell effect" where a single slip leads people to abandon the whole day or week. He also shares a striking meal-order study showing that eating protein and vegetables before carbs lowered one-hour blood sugar by 37% and insulin by 50% compared to eating carbs first. The episode closes with a two-minute challenge: pick one upcoming food event and write down exactly when you'll break your fast, what you'll eat first, and when your window closes. Take the NEW FASTING PERSONA QUIZ! - The Key to Unlocking Sustainable Weight Loss With Fasting!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Resources and Downloads: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***NEW RESOURCE!*** GRAB THE INSULIN RESISTANCE BUCKETS SUMMARY GUIDE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠SIGN UP FOR THE DROP OF THE ULTIMATE GUIDE TO BLOOD SUGAR CONTROL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GRAB THE OPTIMAL RANGES FOR LAB WORK HERE! - NEW RESOURCE! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FREE RESOURCE - DOWNLOAD THE NEW BLUEPRINT TO FASTING FOR FAT LOSS!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SLEEP GUIDE DIRECT DOWNLOAD⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DOWNLOAD THE FASTING TRANSFORMATION JOURNAL HERE!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Partner Links: Get your⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FREE BOX OF LMNT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ hydration support for the perfect electrolyte balance for your fasting lifestyle with your first purchase⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠25% off a Keto-Mojo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ blood glucose and ketone monitor (discount shown at checkout)! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Our Community: Let's continue the conversation. Click the link below to JOIN the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fasting For Life Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, a group of like-minded, new, and experienced fasters! The first two rules of fasting need not apply! If you enjoy the podcast, please tap the stars below and consider leaving a short review on Apple Podcasts/iTunes. It takes less than 60 seconds, and it helps bring you the best original content each week. We also enjoy reading them!

Mike King started his career on patrol and SWAT with the Ogden City Police Department in Utah before becoming the lead investigator in the 1991 Zion Society case, involving a 120-member polygamist doomsday cult led by self-proclaimed prophet Arvin Shreeve. After a member came forward and revealed what was happening inside the group, Mike and his team launched a secret 24-day investigation that ended with coordinated raids on multiple homes, 32 children being removed from the group, and Shreeve and several members ultimately going to prison. Mike later led multi-agency task forces, served as Chief of Staff to the Utah Attorney General, trained in criminal profiling, and created Profiling Evil. _____________________________________________ Thank you to CASH APP & HIMS for sponsoring this episode: Cash App: Download Cash App Today: https://click.cash.app/ui6m/6pao71et #CashAppPod Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions for the Sutton prepaid card, Sutton debit flex card, and Bancorp debit flex card. Cash App Green features, Savings, Direct deposit, Round ups, Overdraft coverage and Discounts provided by Cash App, a Block, Inc. brand. Visit cash.app/legal/podcast for full disclosures. _____________________________________________ Hims: Ready to reach your goals? Visit https://www.hims.com/lockedin to get a personalized, affordable plan that gets you. _____________________________________________ Become an EXCLUSIVE Locked In: After Hours Member & recieve a FREE merch box: https://lockedin.supportingcast.fm/ _____________________________________________ Connect with Mike King: Website: https://profilingevil.com/about/ Book: https://www.amazon.com/stores/author/B092NZ4GJP?ccs_id=f3feb9b3-1dbe-4ce9-ad29-5791e32c6ee7 _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://ianbick.com/ _____________________________________________ Timestamps: 00:00 Mike King's Beginning 01:13 Growing Up in Salt Lake City 04:42 A Father's Legacy 05:31 Path to Law Enforcement 08:09 Applying Life Lessons 12:07 Surviving Electrocution 15:42 Early Days as a Cop 22:31 Impactful Calls 24:59 Life as a SWAT Officer 28:04 Finding Common Ground 30:00 Joining the DA's Office 34:49 The Encounter That Changed Everything 36:21 Understanding Cults 39:04 The Zion Society's Dark Secrets 45:46 Building the Case 48:48 Aaron's Courage to Leave 52:02 Dangerous Cult Leaders 54:18 Corroborating the Testimony 59:03 Adding the Bricks 01:01:45 Assembling the Evidence 01:05:44 Getting the Warrant 01:10:35 Why Not the FBI? 01:11:14 Keeping It Under Wraps 01:12:17 Planning the Raid 01:14:57 The Morning of the Bust 01:19:26 Finding the Hidden Weapons 01:22:32 Evidence and Money 01:24:15 Where Was the Leader? 01:25:03 Aftermath and Prosecutions 01:28:36 Sentencing and Justice 01:30:56 Career Evolution 01:32:50 The Satanic Panic 01:36:13 The Toll of the Work 01:38:38 Reconnecting with Survivors 01:46:31 A Path to Redemption 01:49:21 Retirement and Continued Career 01:51:27 Juries and Social Media 01:54:13 The Jury System at Risk 01:56:21 Advice to My Younger Self 01:58:04 A Family Mystery Solved _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka

If you've looked at a calendar lately and counted the weeks between now and December 31st, you probably thought what I thought: that is so much time!Then I actually counted. And the number on my calendar and the number I really have were nowhere close.Planning your time is a lot like having a financial budget. And right now most of us are spending from an account we think is full, but it isn't.In This Episode, I'll Cover:The four-step exercise I walked through to find out how many weeks I actually have left this year.The first thing I layered onto my calendar that instantly took 25% of my capacity off the table.Why knowing your real capacity is the opposite of scarcity.Join Plan-a-Palooza: https://www.megansumrell.com/plan________________________________

Burton Uwarow and Tony Miller discuss preparations for the first of your basketball practices. We talk structuring your practices, Red-Yellow-Green practices, asking the right questions, and more!Check out A Quick Timeout newsletterSign up for A Quick Timeout newsletterThis episode is sponsored by the Dr. Dish Basketball Shooting Machine. Mention "Quick Timeout" and receive $250 off on the Dr. Dish Rebel, All-Star, and CT models. Get $100 off the IC3 Basketball Shot Trainer with the code TONYMILLER (or click this link).If you're already using tools like FastDraw, FastScout, or FastRecruit—you know how essential they are to your workflows. And now that they're fully part of the Hudl ecosystem, they're more powerful than ever. From film and play diagrams to scouting reports and custom recruiting boards, everything flows together. One system. Built for high-performance programs. Learn more at hudl.com/aquicktimeout. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Planning an agenda feels like it takes forever, so too often, we skip it or do it poorly at the last minute. But that's often because we treat each meeting like we're starting from scratch. Instead, what if you perfected your weekly team meeting, brainstorm session or any other type of meeting you hold regularly and then just used that same agenda structure again so meeting prep becomes fast and easy? That's called creating a meeting portfolio. This episode breaks down exactly how to design a meeting once, so it works every single time you use it.Conversation Topics(00:00) Introduction: The Hidden Cost of Winging Your Meetings(01:06) What Is a Meeting Portfolio? (Episode Overview)(01:36) Why Most Managers Reinvent Every Meeting From Scratch(02:23) Building the Core Template: Name, Purpose, and Structure(03:57) Adding Pre-Work to Complete Your Template(05:01) Iterating Until Your Meeting Design Actually Works(05:38) Your Action Step: Build and Use Your First Template(06:44) Closing Thoughts and RecapAdditional Resources✨ Read the full transcript: 427-transcript✨ Follow me on Instagram: https://www.instagram.com/leadershipwithmamie/✨ Visit my website for more: https://www.themodernmanager.com/✨ Subscribe to my YouTube channel: https://www.youtube.com/channel/UC7jhYz8b16g1SsLia4EhO5w?sub_confirmation=1Join my newsletter to get episodes and key takeaways delivered directly to your inbox: https://www.themoddernmanager.comThe Modern Manager is a leadership podcast that helps you close the gap between knowing what good management is and actually doing it. Follow The Modern Manager on your favorite podcast platform so you never miss an episode!#Leadership #ManagementTips #MeetingCulture #TeamManagement #Productivity #WorkplaceCulture #MeetingDesign #LeadershipDevelopment

Knowing what you want to change is only part of the preparation. Amy Hudson asks Dr. James Fisher three questions before his first 30-Day Metabolic Comeback Challenge: What motivates him, what obstacles does he anticipate, and how will he stay accountable? His answers bring the discussion into everyday life, from modeling healthy habits for his son to changing his diet soda routine and managing easy access to snacks while working from home.Amy shares ways to reduce last-minute food decisions, including bringing leftovers, cooking protein ahead of time, and keeping meal components available. They also discuss family encouragement and community support. Fisher's daily Sudoku habit illustrates the larger mindset: focus on today's achievable action, let those successes accumulate, and recognize that an imperfect month can still represent meaningful progress.• Clarifying personal motivation before a nutrition challenge• Planning around diet soda habits and familiar food choices• Preparing snacks and meals for work and travel• Building accountability through family and community• Celebrating small wins instead of demanding perfection• Choosing between recipes, prepared ingredients, and flexible meals00:00 — Progress and Consistency00:52 — Dr. Fisher Takes On the Challenge02:18 — Question 1: What Is Your Motivation?06:31 — Question 2: What Could Get in the Way?07:54 — Changing the Diet Soda Routine11:09 — When You Work Near a Full Cupboard13:20 — Eating on the Go: Start With Leftovers14:26 — Question 3: How Will You Stay Accountable?18:07 — Support From the Challenge Community19:08 — Start Small and Celebrate Your Wins21:40 — Organizing Recipe Ideas With Pinterest23:23 — Three Ways to Plan Your Meals24:01 — Rethinking What a Meal Can Look Like27:30 — Planning for Hunger Between MealsLearn more about The Exercise Coach and find a studio near you.https://exercisecoach.comSubmit a strength, health, or well-being question for a future episode.https://strengthchangeseverything.comFollow Strength Changes Everything on Apple Podcasts.https://podcasts.apple.com/us/podcast/strength-changes-everything/id1536169608Watch Strength Changes Everything on YouTube.https://www.youtube.com/channel/UCJn2uiUCAumWilp3k_eTk2QThe Exercise Coach: https://exercisecoach.comSubmit your questions: https://strengthchangeseverything.comListen on Apple Podcasts: https://podcasts.apple.com/us/podcast/strength-changes-everything/id1536169608Watch on YouTube: https://www.youtube.com/channel/UCJn2uiUCAumWilp3k_eTk2Q

I've been seeing many discussions on Threads about maternity leave planning for small businesses. And it's interesting to see everyone's viewpoints on whether you should take maternity leave as an entrepreneur. Since this was my second time being pregnant as a business owner, I figured it would be helpful to share my experience with not taking maternity leave and planning for a 3-month leave. If you're currently pregnant or planning to get pregnant while running your business, definitely listen to this episode. I give you some things to think about when it comes to maternity leave while running your business, and I share some things I did to make this last maternity leave peaceful and profitable. Side Note: I recorded this before I returned from my leave. Originally, I planned to take the full 3 months, but I decided to return a month early and took on 3 new clients for September. In this episode, I'm giving you all the tea on:While all small businesses should prep for maternity leave, even if you don't plan to officially take oneWhy I regret not taking a maternity leave the first time I was pregnant while running my businessWhat I did to prep my clients, marketing, and income for maternity leaveResources Mentioned in Today's Episode:Evergreen Marketing AcceleratorPodcast Like a Business Owner Podcast Launch CourseInterested in learning more about my new offer, DFY Threads for Podcast Growth? Send me a DM on Threads or IG. I will have 2 spots available beginning in October.Related Episodes and Blog Posts:Episode 210: Maternity Leave for Business Owners: How to Plan for a Peaceful Maternity Leave with Zhara-Marie Henry Ways I Can Serve You:Join the Evergreen Marketing Era NewsletterPodcast Launch Course: Podcast Like a Business Owner Podcast Audit + Strategy SessionEvergreen Marketing AcceleratorRecommended Podcast + Business Tools:Email Marketing: Flodesk (14-day Free Trial)Podcast Hosting: Captivate (30-Day Free Trial) Recommended Keyword Research Platform: Keysearch.coCRM: Dubsado (Save 20% on your first month or year)Website Builder: Showit (30-Day Free Trial)Some of the above links are affiliate links, meaning I may earn a small commission at no additional cost to you.For show notes and resources mentioned in today's episode, head to www.mamaturnedmompreneur.com/episode314/Connect with Andria:Threads: @evergreenmarketingeraInstagram: @evergreenmarketingeraEmail: hello@mamaturnedmompreneur.comWebsite: www.mamaturnedmompreneur.com

What if the quieter season you've been waiting for isn't coming anytime soon? I've had to ask myself that question lately, because I realized how many business decisions I was putting off until life felt more predictable. My two kids started preschool this August. I expected a little more breathing room, and in some ways I got it. I also got a different set of things to manage. It has pushed me to look more closely at what my business needs from me, what I can take off my plate, and how to make room for the work I actually want to build. In this episode, I'm sharing six things I'm doing to keep the business running and move it forward while life is still very full. The point isn't to copy my schedule. It's to consider what you would change if you planned around the capacity you have now. In this episode Why I stopped planning for a more predictable season of life The space I needed to create before I could decide what I wanted next How I'm protecting my physical energy and quiet time What made my "ideal" content plan too much for this season Why changing the audience for an established offer means rebuilding its messaging How I'm choosing one offer to focus on while I consider a future group program Why I hired a mentor again after a difficult previous coaching experience Timeline highlights [00:00] The question I've been avoiding: what if life doesn't settle down soon? [03:18] Preschool brought a new schedule and a different kind of mental load. [06:20] The unexpected tooth appointment that took half a workday [09:26] Why I'm done postponing business decisions until life feels easier [17:24] Creating space to think about what I want, beyond managing what already exists [23:18] Prioritizing physical care and the energy I need for work and family [28:33] Waking up earlier to have time before anyone needs me [31:32] Choosing necessary work over the ideal version of everything [40:00] Rebuilding messaging for a more advanced audience [44:44] Focusing on one offer while evaluating a return to group delivery [49:27] Getting support from a mentor and examining my own blind spots [56:21] Planning around current capacity, with room for life to interrupt Top quotes from the episode "I knew that if I wanted to do the things I wanted to do, I needed more space to even ask myself what I wanted for my life and my business." "The real point is that I'm giving myself some space before other people need anything from me." "I can't be committed to everything right now, so I just had to make a decision about what I am going to be committed to." "If you change who you want to work with, you have to revisit how you explain the value of your offer, even if you have years of experience doing that work." "No matter how experienced you are, it is almost impossible to have an objective perspective on your own business. You're too close to the work." "I don't want to keep waiting for things to get easier to get back into growth mode. So I am doing it now, even with all the chaos around me." "What would you do differently in your business if you planned around the capacity you have right now instead of the capacity you hope to have in the future?" Links and resources Free training: How to Build a Signature Offer That Sells, Scales, and Gives You More Freedom What's Your CEO Type? Quiz If this brought a particular business decision to mind, take some time with that question before filling the space with another task. And share this episode with a friend who might need some encouragement in a busy season.