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Mary Jo recaps two big things: a must-read book for understanding our money system, and her refresher training in Houston on the Truth Concepts calculators. If you've read Becoming Your Own Banker and gone down the rabbit hole of fractional reserve banking, "Creature From Jekyll Island" by G. Edward Griffin is the next start — how $1 in the bank lets the system borrow $10, why that devalues our dollar, and who met on Jekyll Island to pass the Federal Reserve Act. Mary Jo also breaks down why crypto is not the answer for her, what really happens to a whole life insurance infinite banking policy if the dollar crashes, and how she'd use policy loans to buy land, drill wells, and buy real assets instead of holding paper dollars. Then the Houston part: Todd Langford created his calculators to prove Nelson wrong on the infinite banking concept — and got proven wrong. Mary Jo shares the refresher on qualified plans / 401ks for business owners, future requirements ($10-30M in tomorrow's dollars), taxes vs. rate of return, and the unseen rate of return when you borrow to create infinite banking explained cash flow externally. Bottom line: don't just park money. Use it entrepreneurially to make more money. Buy the book: https://www.WithoutTheBank.com/Book Email Mary Jo: MaryJo@WithoutTheBank.com Chapters: 00:00 – Money Is to Be Used, Not Sit Idle 01:13 – Welcome 01:44 – Fractional Reserve Banking and Nelson's Rabbit Hole 02:30 – Creature from Jekyll Island: 600 Pages, Fed 10-to-1, Oreos Example 04:01 – Why Crypto Is Not the Answer 06:14 – What Happens to Your Policy If the Dollar Crashes? 07:28 – Prepper Strategy: Borrow to Buy Land, Wells and Real Assets 08:13 – Stepping Out of the Noise: Gold Hype, Stocks and Manipulation 09:54 – The Fed Is 100% Private Company + YouTube / Cliff Notes Option 10:09 – Why I Bought This Book for My Dad Years Ago 11:35 – Houston Truth Concepts Training With Todd Langford 12:45 – 401ks for Business Owners: Tax Write-Off vs. Usable Growth 13:39 – Future Requirements and Inflation Truth 15:32 – The Unseen Rate of Return and Interruptions 16:15 – Stop Just Saving, Start Creating Cash Flow 19:03 – Financial Advisor Gets Infinite Banking Wrong 20:08 – Grab Your Book and Schedule With John or Mary Jo Audio Production by Podsworth Media - https://podsworth.com
Is a MEC really as bad as everyone in infinite banking says? In Farming Without the Bank Episode 373, Mary Jo Irmen and John Hasche break down when a Modified Endowment Contract actually makes sense. Most life insurance agents will tell you: never MEC, never MEC, never MEC. But what if you just sold a dairy, a farm, or a business and have a one-time lump sum of $2-3 million with no future cash flow to pay premiums? Mary Jo and John walk through a real client case study — 54-year-old son and 82-year-old dad splitting ~$3M after liquidating a California dairy — and compare the numbers. In this episode: What is a MEC? FIFO vs. LIFO, why loans become taxable, and why the death benefit is still income tax-free Why a MEC can't be reversed + the 30-day letter you must open Case study #1: $2M single-pay on a 54-year-old — $4.4M death benefit day one, $1.8M cash value, when taxes hit in year 4 and why borrowing every year resets your basis Why age matters: $132k/year of taxable growth at 69, $178k at 79, $200k+ at 89 Case study #2: $2M single-pay on 82-year-old dad — $2.4M death benefit, only ~$60k/year growth to pay tax on, $3M+ at age 97 3 times a MEC does work: borrow years 1-3 to buy a cash-flowing asset then stop, older insureds, long-term care / trust-owned policies The 1035 exchange loophole: how existing cash value can fund a single-pay without MECing The 10% penalty under age 59 1/2 most people forget Why you can't get this answer by email — goals, retirement plans, ranch vs. rentals, and future cash flow determine the strategy If you came into a large lump sum and want a single-pay premium without paying premiums forever, don't guess if a MEC is right for you. Book a meeting and walk through the numbers. Chapters: 00:00 MECs Aren't Always Bad 00:29 How MEC Taxation Works 03:45 Age Matters With MECs 04:27 Avoiding Accidental MECs 06:36 Client Case Lump Sum 09:24 Single Pay MEC Numbers 11:46 Basis Reset And Taxes 15:11 Alternative Insure Dad 18:25 When MEC Strategy Fits 20:41 More MEC Use Cases 23:04 Client Education Matters 26:12 Wrap Up And Next Steps Buy the book: https://www.FarmingWithoutTheBank.com/book Email Mary Jo: MaryJo@WithoutTheBank.com Audio Production by Podsworth Media - https://podsworth.com
Alex Bernardo stops by the LCI Greenroom to talk about his new book Politics, Economics, and New Testament Interpretation--which is available September 15th! Alex's book introduces New Testament studies while also clarifying what it means to read the New Testament with clear eyes rather than modern, leftist assumptions.Chapters:0:00:22 Book Launch and Methodology0:01:54 Why the Book Matters0:03:38 Libertarian Ethics and Christianity0:06:14 Three-Part Framework0:06:51 Why Background Matters0:10:02 Scholarship and Community0:12:47 History as Guardrails0:15:13 When History Becomes Necessary0:20:09 Marxist Misreadings0:24:25 Misusing Political Categories0:28:14 Conference and New Project0:29:55 Romans 13 Revisited0:34:44 Reading Paul in Context0:36:49 The Empire Question0:38:22 Paul and Anti-Imperialism0:43:20 Jesus as King0:47:15 Witness Over Revolution0:53:11 Losing for Christ0:58:02 Rights and Pacifism1:01:54 New Insights from the Text1:04:57 Default Nonviolence1:11:25 Closing Plugs and Release Info Audio Production by Podsworth Media - https://podsworth.com ★ Support this podcast ★
This week Chad and Allan take a break from Covey's 7 Habits to focus on Chad's newest book, Work People to Life. They discuss what it means to have a job that is life-giving, why leaders should refuse to work people to death, and practical ways to work people to life. Copies of the book are available on Amazon. Audio Production by Podsworth Media - https://podsworth.com
Mikkel Thorup, the world's most sought-after expat expert, discusses what almost no American thinks about: building an intentional family legacy to last generations. The state may undermine the family, but you can make something great out of yours. Sponsors: CrowdHealth - use code: WOODS for $99 per month for the first 3 months Persist Marketing Guest's Free Guide Plan-B Residencies and Instant Citizenships (free download) Guest's Event Family Legacy Mastermind Show notes for Ep. 2797 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Ask why the free market works and most popular economics hands you a clever story about how it doesn't. Insurance companies are greedy. Real estate agents run a racket. Used car buyers are being fleeced. The stories sell books, and they rarely survive a phone call to the people being accused.John Lott has spent a career making those phone calls. Economist, former chief economist at the U.S. Sentencing Commission, author of More Guns, Less Crime, he wrote Freedomnomics: Why the Free Market Works and Other Half-Baked Theories That Don't as a direct answer to the Freakonomics school of counterintuitive economics. The claim is not that markets are magic. It is that when a pattern holds for decades among people with their own money on the line, the odds favor a reason over a mistake. What follows is the method and the evidence: how to tell a finding that holds from one that merely sounds good, why the most famous claim in Freakonomics runs backward, and what actually explains the growth of government.Chapters:0:22 Intro and Freedomnomics Overview3:35 Guns Research by Accident8:40 Debating the Gun Evidence17:30 Carry Laws and Crime Patterns23:04 Freakonomics and Hidden Assumptions31:51 Abortion, Family Change, and Crime35:57 Challenging LoJack and Incentives41:55 Real Estate, Cars, and Markets49:13 Why Government Grew53:30 Divorce, Voting, and Liberalism57:41 Where to Find More ResearchAudio Production by Podsworth Media - https://podsworth.com Come meet fellow Christian libertarians, sharpen your thinking, and be part of a growing movement rooted in faith and freedom at the Christians for Liberty Conference.Lunch is included in the price of the ticket. We will send out a form ahead of the conference requesting dietary preferences and restrictions.Learn more here.Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
Are boomer farmers actually greedy? Or are younger farmers stuck in victim mentality? In Episode 372 of Farming Without the Bank, Mary Jo Irmen tackles the generational war in agriculture head-on — silent generation, boomers, Gen-X, millennials, and Gen Z. Young farmers say boomers are greedy for wanting top dollar for land. Boomers say millennials and Gen Z are lazy. Both sides are wrong. Mary Jo breaks down why farmland is retirement, how auctions set the price, why no one owes you a discount, and how small to mid-size farms ARE making money when they run it like a business. Plus the rental house story, the free corn stalks story, and how to actually buy the neighbor's farm by building relationships and using buying farmland strategies with farming without the bank . Stop categorizing. Start building. Learn how to fund farm succession and buy land without begging the bank. Buy the book: https://www.FarmingWithoutTheBank.com/book Email Mary Jo: MaryJo@WithoutTheBank.com Chapters: 00:00 - Stop Calling Boomers Greedy 01:45 - Why This Episode Had To Happen 03:00 - Victim Mentality Gets You Nowhere 04:30 - It's Their Land, It's Their Retirement 06:30 - Auctions Set The Price, Not Greed 08:15 - The Rental House and Free Corn Stalks Stories 10:15 - Small Farmers ARE Making Money 12:00 - Side Gigs and Off-Farm Jobs To Get Started 13:30 - You Won't Buy Land By Insulting The Owner 15:00 - Millennials and Gen Z Are NOT Lazy 16:30 - How To Actually Buy The Farm Audio Production by Podsworth Media - https://podsworth.com
Are Credit Scores Actually Necessary for Real Estate Investing? Jordan Nutter at NFM Lending is back with Mary Jo Irmen for Part 2 - to break down investment lending. They cover how to fix your credit scores before you buy, DSCR loan vs conventional for rentals, long-term vs short-term rentals, midterm / Furnished Finder rentals, second homes with 10% down, PMI removal, bankruptcy wait times, mobile homes, and how assuming a mortgage really works. If you have collections, lates, high utilization, or you're 6 months out from buying, you need to book Jordan's FREE credit help call here: https://anutterhomeloan.com Chapters 00:00 Preview: Free credit help from 3,000+ credit reports 00:39 Welcome back Jordan Nutter - Part 2: Investment lending 01:55 Bad credit score? Where to start 02:39 Late payments: 30, 60, 90, 120-day impact 03:22 Utilization: revolving vs installment debt 05:02 Please stop co-signing 05:34 Collections vs charge-offs 06:42 Pay-to-delete: negotiate BEFORE you pay 09:49 Call a lender first? Free credit help call 14:10 Warning: Why "stop paying" advice wrecks you 15:34 How long do lates hurt? 16:47 Bankruptcy: Chapter 7 vs Chapter 13 18:00 FHA 2 years + 1 day, Conventional 4 years 21:11 Due date vs statement date trap 24:35 3 ways to rebuild credit 31:16 Long-term vs short-term rental loans 33:34 Conventional vs DSCR loan explained 36:17 Why agent rental comps matter for DSCR 37:28 Midterm / Furnished Finder rentals 38:28 Second home strategy: 10% down 41:12 Rates today + what moves your rate 42:00 Mobile / manufactured home loan rules 43:28 PMI on investments 45:11 When PMI drops vs FHA for life 48:39 House-hack: 2-4 units with low down 52:56 Assuming loans + VA entitlement trap 59:47 Wrap + how to book Jordan Audio Production by Podsworth Media - https://podsworth.com
Let's be honest: most business mission statements are wallpaper. In this episode, Chad and Allan look at how a personal mission statement can be a powerful guiding force in your life and how you can take some first steps in crafting yours. Audio Production by Podsworth Media - https://podsworth.com
It's TROLL DAY on Farming Without the Bank Ep 371 with Mary Jo Irmen — and the trolls brought their best hate comments. Mary Jo reads them all and answers back: charging her own son 9% interest (vs 11% at the bank), helping a client farm 6,000 acres from scratch, why dividend-paying whole life insurance beats parking cash, and why the rich get richer when money is redistributed. If you've ever been told "never finance anything," "never charge your kids interest," or "no one buys a farm as an investment" — this episode breaks down the broke mindset vs. abundance mindset behind those comments, and how to use infinite banking and farm finance principles to keep control of your money. Buy the book: https://www.FarmingWithoutTheBank.com/book Email Mary Jo: MaryJo@WithoutTheBank.com Chapters: 00:00 Why Comment At All 00:17 Welcome To Troll Day 01:34 Rocky And Ray On Debt 03:21 Policy Question And Scam Claims 04:25 Money Skills And Wealth Mindset 07:09 Farm Investment Trolls 09:35 Charging Kids Interest Explained 13:02 Victim Mentality Vs Abundance 16:49 Final Thoughts And Book Plug Audio Production by Podsworth Media - https://podsworth.com
Libertarians agree that freedom is worth defending, but not all libertarians believe that liberty needs virtue in order to survive. In this episode, Stephane Slade, senior editor at Reason and author of the new book Fusionism: Liberty, Virtue, and the Future of the American Right, argues that a free society cannot endure unless its people possess the moral habits that make freedom workable — honesty, trustworthiness, responsibility, and respect for the rights of others. Without virtue, citizens eventually demand coercion to protect themselves from one another, and liberty collapses under the weight of fear. The notion that freedom and virtue are not rivals but partners goes by the name of fusionism, and Slade provides a history of this idea, its advocates, and its enemies.Audio Production by Podsworth Media - https://podsworth.com Come meet fellow Christian libertarians, sharpen your thinking, and be part of a growing movement rooted in faith and freedom at the Christians for Liberty Conference.Lunch is included in the price of the ticket. We will send out a form ahead of the conference requesting dietary preferences and restrictions.Learn more here.Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
Everyone's life has a center — work, money, family, approval, self — and it gets revealed the moment something threatens it. In this episode, Chad and Allan explore Covey's alternative life centers and why principle-centered living is the only stable place to stand. Audio Production by Podsworth Media - https://podsworth.com
We're fighting for what's good and right, so we should keep at it. Sponsors: Expat Money Persist Marketing Links Mentioned: The Woods Mystery Party Supporting Listeners Show notes for Ep. 2793 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Lending money to your kids from ONE policy is a recipe for a family fight. In this episode, Mary Jo Irmen shares 2 creative strategies she used this week to solve real client problems around kids, money, and fairness. If you have 3 kids and help one start a business and another go to college — how do you make it fair to the third kid when you die? And what do you do when your 16-year-old has $30K from 4-H/cattle sales but can't own a policy or do extra premium in year one? Mary Jo breaks down exactly what to do. IN THIS EPISODE: Why 3 kids = 3 separate policies on MOM (same amount, same insured) is the fairest way to lend How Susie's loan gets repaid from HER death benefit — no tracking payments, no sibling fights Why you CAN'T just "put policies on the kids" — human life value & 30x income rule explained The minor money hack: Use your 15/16 year old's cash to buy a policy on YOU, make them beneficiary, then transfer ownership at 18 Why kids under 18 can have MORE insurance than at age 25 Why your agent needs to ask about family dynamics BEFORE selling you a policy Chapters: 00:00 Why Strategy Matters 00:47 Podcast Intro and Focus 01:17 Three Kids Unequal Help 02:44 Separate Policies Per Child 04:06 Limits Insuring Adult Kids 05:34 Minor Money Workaround 09:15 Ownership and Cash Value 10:32 Insurance Value Rules 12:03 Experience Drives Creativity 13:51 Wrap Up and Next Steps Buy the book: https://www.farmingwithoutthebank.com/book Email Mary Jo: MaryJo@WithouttheBank.com Audio Production by Podsworth Media - https://podsworth.com
Libertarian political strategy has always been shaped by a difficult question: should libertarians invest their energy in the Libertarian Party, or work inside one of the major parties (usually the Republican Party) to influence policy from within the duopoly? This double-header episode brings that tension into sharp relief through two contrasting voices — Mike ter Maat, who argues that the GOP is where the decisive battles for liberty can be fought and perhaps won, and James Mills, who believes the LP remains the most principled and viable home for advancing freedom.Chapters:0:00 Intro0:22 Welcome & Guest Intros1:56 Why Leave the LP?9:17 GOP Over LP Strategy13:37 Using the Republican Liberty Caucus17:17 Why the GOP Can Move24:39 Coalition Lessons29:39 Delegates Empowered Plan36:19 Ohio Libertarian Bid47:58 Ballot Access Hurdles54:20 Reaching Libertarian Neighbors59:15 Vote for Principle1:03:27 Trojan Horse or Outsider?Audio Production by Podsworth Media - https://podsworth.com Come meet fellow Christian libertarians, sharpen your thinking, and be part of a growing movement rooted in faith and freedom at the Christians for Liberty Conference.Lunch is included in the price of the ticket. We will send out a form ahead of the conference requesting dietary preferences and restrictions.Learn more here.Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
"Great Houses, multi-generational, business owning, succession oriented, households are the Pillars of Civilization," says Gregory Treat. "If we want to rebuild Civilization we must start by building up (and not tearing down) our pillars." Sponsors: Agorist Tax Advice - Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit at: https://AgoristTaxAdvice.com/woods Expat Money Guest's Website: Guest Houses Forum Guest's Substack: Gregory Treat Show notes for Ep. 2792 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Imagine your own funeral: what do you want said about you — and does this week's calendar have anything to do with it? In this episode, Chad and Allan take Covey's most famous exercise seriously and explore what it truly means to begin with the end in mind. Audio Production by Podsworth Media - https://podsworth.com
J. Burden joins me to discuss the affordability problem and some unique issues facing young white men, and why mocking them might not be the best approach. Sponsors: Expat Money Persist Marketing Guest's Podcast: The J. Burden Show Guest's Twitter: @_jburden Links Mentioned: ElevenFreebies.com ExitGroup.us Show notes for Ep. 2791 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Mary Jo's back with three money topics every farmer and rancher needs to hear. The thread running through all of them: it's not how much money you make — it's how you USE it. In this episode: the private equity news making headlines in the life insurance world (and why Mary Jo's clients don't need to panic), the "no medical exam up to $4 million" hook being pitched to farmers on Instagram, and the scarcity mindset that's holding back the entire agriculture industry — including why letting your hired man run a few cows might be the smartest move you make. What you'll learn: Why private equity in life insurance isn't the crisis the headlines suggest The truth behind "express underwriting" and no-medical-exam policies Why lying on an application means your claim won't get paid "If you can't manage a dollar, you can't manage a million" The scarcity mindset — and why helping your employees succeed helps YOU ⏱️ Chapters: 0:00 Intro & What's On Today's Mind 1:12 Private Equity in Life Insurance (Mass Mutual in the News) 4:05 The "$4M No-Medical" Hook Targeting Farmers 11:19 It's Not What You Make, It's How You Use It 15:08 Let Your Hired Man Run Cows? The Scarcity Mindset 21:23 Wrap-Up & How to Reach Mary Jo
The ideas of the American Revolution did not appear in the summer of 1776. They had been building in colonial hearts and minds for decades, and by the time the Declaration was signed, Americans had thought harder about liberty, consent, and the limits of power than any people before them. That is the argument historian and economist Larry Reed brings to his new book Born of Ideas: How Principles, Faith, and Courage Forged America, and to this conversation with Doug Stuart.Reed, President Emeritus of the Foundation for Economic Education, treats the American founding as an intellectual and moral achievement rather than an accident of geography or grievance. He answers the fashionable claim that America was defined by an "original sin," and he does it not by ignoring the country's failures but by putting them in the context of the world as the founders actually inherited it. What follows is the case the episode makes.Chapters:0:22 Welcome & Guest Introduction1:02 A Book of Revolutionary Ideas2:47 Founders and Liberty6:01 America's Flawed Origins12:06 The Mayflower Compact15:07 Anne Hutchinson's Exile16:41 Native Nations and the Revolution20:31 Black Patriots and Poets22:42 Common Sense Ignites26:43 Hidden Economics of War30:03 Slavery and the Founding35:50 Reconstruction What-Ifs37:46 Republic, Not Democracy41:14 Heroes and Foreign AlliesAudio Production by Podsworth Media - https://podsworth.com Come meet fellow Christian libertarians, sharpen your thinking, and be part of a growing movement rooted in faith and freedom at the Christians for Liberty Conference.Lunch is included in the price of the ticket. We will send out a form ahead of the conference requesting dietary preferences and restrictions.Learn more here.Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
Mark Sisson joins me for an interview people wrote to me about years later to say it changed their lives. Sponsors: Persist Marketing Agorist Tax Advice - Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit at: AgoristTaxAdvice.com/woods Guest's Twitter: @Mark_Sisson Show notes for Ep. 2790 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Most leaders would never break a promise to a client, but break promises to themselves every single week. In this episode, Chad and Allan explore how self-trust is built the same way all trust is built — one kept commitment at a time — and why keeping your word to yourself may be the most neglected leadership discipline of all. Audio Production by Podsworth Media - https://podsworth.com
There are numerous reasons someone might oppose or be skeptical of JD Vance. None of them account for the neocon campaign against him. Dan McCarthy, Distinguished Fellow in Conservative Thought at the Heritage Foundation, discusses what's really going on. Sponsors: Policygenius Persist Marketing Guest's Twitter: @ToryAnarchist Guest's Publication: Modern Age Show notes for Ep. 2789 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Does democracy need Christianity to survive? Jonathan Rauch — a gay, atheist, Jewish journalist at Brookings and The Atlantic — has concluded that it does. His 2025 book, Cross Purposes: Christianity's Broken Bargain with Democracy, argues that Christianity is a load-bearing wall in the American experiment, and that two decades of de-churching have left the whole structure sagging.As an outsider who once celebrated secularization as progress and watched what filled the vacuum, Rauch now claims that democracy needs Christianity. What he found is that when the church stopped carrying its load, toxic partisanship, tribal politics, and substitute religions rushed in to take its place.Host Doug Stuart talks with Rauch to work through why the founders counted on Christian virtue, which three teachings of Jesus underwrite liberal democracy, why compromise is a Christian act rather than a betrayal, and what the church has to recover to be worth listening to again.Chapters:0:00 Intro0:22 Guest Intro and Book Origins4:03 Christianity's Civic Role7:28 Churches, Decline, and Politics12:23 Liberalism and Democracy Defined13:56 Founders on Virtue18:52 Jesus and Liberal Democracy25:10 Compromise as a Creative Process29:53 Congress and Political Cynicism32:50 Reforming a Broken System33:45 Christians and Culture War35:38 Freedom, Fear, and Public Faith38:10 Pseudo-Religions Fill the Void41:25 Libertarianism and Christianity45:39 Altruism, Virtue, and Freedom51:15 Latter-Day Saints and Agency59:18 Make Christianity Peculiar AgainAudio Production by Podsworth Media - https://podsworth.com Come meet fellow Christian libertarians, sharpen your thinking, and be part of a growing movement rooted in faith and freedom at the Christians for Liberty Conference.Lunch is included in the price of the ticket. We will send out a form ahead of the conference requesting dietary preferences and restrictions.Learn more here.Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
In keeping with its commitment to the deranged, the insane, the destructive, and the abnormal, the left celebrates the life and work of Jason Arday, the biggest academic charlatan of our time, who filed harassment reports with the police against a reporter and against a fellow academic who asked him questions about his work. Auron MacIntyre joins me to discuss. Sponsors: Agorist Tax Advice: Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit at: https://AgoristTaxAdvice.com/woods Bank on Yourself Guest's Twitter: @AuronMacIntyre Links Mentioned Ron Paul Homeschool Liberty Classroom Unapproved Library Show notes for Ep. 2788 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Has your accountant "never heard of" infinite banking and your financial advisor calls whole life insurance a "scam"? In this episode, Mary Jo Irmen pulls up the actual policy numbers and breaks down why they're wrong — and how structure changes everything. ⚠️ Warning: this episode comes with a dose of German passion. Mary Jo walks through the real numbers behind three policy structures — traditional whole life, 10-pay, and paid-up-at-65 — and shows exactly what a policy built for infinite banking does differently. $20,000 in premium can mean $0 cash value in year one… or $14,000 of access in 10 days. The difference is the paid-up additions rider, and if your advisor can't explain that, you have a problem. Mary Jo also breaks down why a 200-year-old, insurance-commissioner-approved product can't be "a scam" — and why you need to educate yourself before paying for advice from someone who hasn't done the reading. Chapters 0:00 — Intro & the warning (German passion incoming) 0:45 — "My advisor said it's a scam" 1:32 — Traditional whole life: the real numbers 5:44 — How infinite banking policies are structured 7:04 — The 10-pay policy trap 8:51 — Paid up at 65 11:00 — Why it can't be a scam 11:35 — The crab in the box 13:15 — Your job: educate yourself 16:45 — Closing & book your appointment
In this episode we talk about Stephen Covey's idea of "scripts" and how they shape our worldview, language, habits, and the way we interpret events. We discuss how scripts can be useful at first but become limiting when they turn into one-sided beliefs, and we use examples from leadership, coaching, ministry, money, and work. We also look at how leaders can notice their own patterns and "tells," and why the issue is often not that a script is entirely false, but that it is only part of what is true. We close by saying that effective leadership involves self-awareness, responsibility, and holding multiple truths in tension. Audio Production by Podsworth Media - https://podsworth.com
Darryl Cooper discusses how the organic communities and peoples of the West are being destroyed, and what steps we can take. Sponsors: CrowdHealth code: WOODS for $99 per month for the first 3 months Persist Marketing Guest's Substack: Martyr Made Guest's Twitter: @martyrmade Show notes for Ep. 2787 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Buying a whole life insurance policy for infinite banking? Many agents have no idea what they're actually selling you — and it could cost you decades of compound growth. In this episode, Mary Jo breaks down the 5 things you MUST check before you sign anything, based on a real client who bought from a local agent instead of coming to her first (and what he got wrong): 1️⃣ Does it have cash value in Year 1? (If not, you bought traditional whole life — not a policy designed for infinite banking) 2️⃣ Is there a Paid-Up Additions (PUA) rider — and how flexible is it? 3️⃣ Is there term insurance riding on it, and does the death benefit drop off later? 4️⃣ Is it a dividend-paying policy, and where are those dividends going? 5️⃣ Is your agent talking about a "rate of return"? (If so, it's not whole life — run) Mary Jo also shares the real story of her husband's policy losing $500,000 in death benefit overnight when a level term rider dropped off — a mistake she now makes sure her clients never repeat. ⏱️ TIMESTAMPS 0:00 – Why Mary Jo won't give advice on a policy she didn't sell you 1:46 – The 5 things to check before buying a whole life policy 8:12 – How her husband's policy lost $500K in death benefit overnight 14:35 – Recap: the 5-point checklist 15:57 – Why "just tell me how to use it" doesn't work that way Want Mary Jo or John to review an illustration you've already been sold — or one someone's trying to sell you? Email the show. We'll tell you exactly what to watch for.
Acton University is one of the most respected gatherings in the faith-and-markets world. This year four hosts from the Christians for Liberty Network were able to find out what it was like to attend. Through a scholarship from the Foundation for Harmony and Prosperity, they spent four days at Acton University among Catholics, Calvinists, Eastern Orthodox, Jews, Muslims, and free-market thinkers from more than sixty countries, and came away deeply impressed.Doug Stuart is joined by Alex Bernardo, Cody Cook, and Kerry Baldwin to recap the experience: the core sessions, the standout speakers, the dinner-table conversations, and what it felt like to show up openly as Christian libertarians in a room that leads with virtue, stewardship, and dignity before it ever reaches policy. The short version is that it felt like being among kin.This recap walks through what Acton University gets right, where Christian libertarians found common ground, and the friendly, sharpening conversations that made the week worth every minute.Chapters:0:00 Intro0:22 Acton University Overview2:36 First Impressions of Acton5:08 Ecumenical and Marketed Faith9:16 Libertarianism Versus Libertinism15:24 Moral Language and Shared Values23:58 The Four Core Sessions30:59 Questions That Challenged43:03 Best Sessions and Standouts48:37 Receptivity to Libertarians52:51 Closing Reflections and ThanksAudio Production by Podsworth Media - https://podsworth.com Come meet fellow Christian libertarians, sharpen your thinking, and be part of a growing movement rooted in faith and freedom at the Christians for Liberty Conference.Lunch is included in the price of the ticket. We will send out a form ahead of the conference requesting dietary preferences and restrictions.Learn more here.Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
The Jason Arday plagiarism and all-around weirdo and liar scandal told us something not only about the University of Cambridge but also about the whole higher-education racket: a great many left-liberal academics defended an obvious charlatan down to the very last moment even though his plagiarism and other problems were obvious to everyone. Sponsors: Expat Money Agorist Tax Advice - Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit at: AgoristTaxAdvice.com/woods Articles Mentioned: "Another College President Plagiarized Her Dissertation. That's Just the Tip of the Iceberg," by Luke Rosiak "The Statistics Behind the Jason Arday Scandal," by Jukka Savolainen and Kevin McCaffree Links Mentioned: The Preparation, by Doug Casey, Matt Smith, and Maxim Smith UnapprovedLibrary.com Show notes for Ep. 2786 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
In this episode, I'm breaking down Outwitting the Devil by Napoleon Hill — the book that changed how I see the world. Hill wrote this in 1938, but it reads like it was written yesterday. His message? 95% of people are drifting through life, and the systems we trust — government, education, even media — are designed to keep us numb. In this review, I get into:
In this episode, we discuss Stephen Covey's weather metaphor and how it relates to leadership, emotional state, and personal agency. We talk about how the "weather" in a room or relationship can reflect tension, mood, or atmosphere, and how leaders can choose what they bring into a situation rather than simply react to it.We also explore the gap between stimulus and response, and how calm, intentional behavior can reduce tension in meetings, family life, and work. We close by distinguishing empathy from emotional absorption and by returning to the thermostat and thermometer idea: effective leadership means noticing the temperature while also choosing how to set the tone. Audio Production by Podsworth Media - https://podsworth.com
Topher Field discusses the real story of the Covid-era horrors in Australia -- horrors the U.S. government never saw fit to utter a word about, even though it's constantly criticizing other regimes for something or other. Sponsors: HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month. Go to HomeServe.com/TomWoods to find the plan that's right for you for 50% less your first year. Persist Marketing - Getting clobbered by your competitors? Invisible in the search engines? Your leads at a trickle – or nonexistent? Persist Marketing can turn that all around for your business. Check them out at https://Persist.Marketing Guest's Website: https://TopherField.com Guest's Twitter: @TopherField Show notes for Ep. 2785 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Mary Jo Irmen walks through a real whole life insurance policy illustration for a 27-year-old client paying just $6,000 a year — and the numbers might surprise you. In this episode, Mary Jo breaks down what the cash value growth actually looks like year by year, what happens when you add extra premium in year one, and why so many people have been waiting too long to get started when they didn't need to. What you'll learn in this episode: - Why $500/month ($6,000/year) is enough to build serious cash value over time - How compound interest and dividends work once your policy "crosses over" (around year 4) - The paid-up additions rider and why it accelerates your break-even point to year 7 - What happens if you put in an extra $11,000 in year one — and how that impacts your cash value at age 82 - Why paying in $211,000 over a lifetime can result in $843,000+ in accessible cash value - How health ratings affect death benefit (not cash value as much as you think) - Why you should stop waiting until you "have enough" — and just start Ready to get started?
Black empowerment is often framed as a debate between pro-black, welfare state progressivism and anti-black, law-and-order conservatism. But what if free markets, not big government, is the key to black empowerment? In this episode of the Libertarian Christian Podcast, Cody Cook talks to Dr. Rachel Ferguson about the dominant narrative that racial justice requires state intervention. Ferguson demonstrates that classical liberalism offers a more historically grounded, morally coherent, and economically effective path forward.Ferguson argues that the worst racial injustices in American history were not failures of markets but failures of the state — from slavery to Jim Crow to redlining to welfare policies that fractured families and communities. She also highlights the long, overlooked tradition of Black classical liberals who championed individual rights, entrepreneurship, and civil society as the real engines of flourishing.Chapters:0:00 Intro0:24 Welcome and Black Liberation Through Markets2:53 Challenging White Privilege Claims7:04 Douglass and Classical Liberalism9:00 Why Freedom Needs a Voice13:19 Slavery's Economic Costs19:57 Defining Real Free Markets22:57 Welfare's Perverse Incentives27:18 Beyond Bootstraps and Blame31:11 Sharecropping After Emancipation34:05 Lynching and Public Memory37:59 Racism Beyond the Law40:48 Populism and Immigration Fears44:39 Churches and Civil SocietyAudio Production by Podsworth Media - https://podsworth.com Come meet fellow Christian libertarians, sharpen your thinking, and be part of a growing movement rooted in faith and freedom at the Christians for Liberty Conference.Lunch is included in the price of the ticket. We will send out a form ahead of the conference requesting dietary preferences and restrictions.Learn more here.Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
Two friends talk in this free-flowing conversation about everything. Sponsors: Agorist Tax Advice - Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit Bank on Yourself Website Mentioned - https://UnwantedBook.com Guest's Twitter: @michaelmalice Show notes for Ep. 2784 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Most buyers never see the new construction tax trap coming — until their mortgage jumps $800 overnight. Today we're breaking it all down with no fluff. Mary Jo Irmen sits down with Jordan Nutter, VP of Creator Collective at NFM Lending, for a deep-dive on exactly what lenders don't volunteer — from hidden fees and escrow traps to what you absolutely cannot do with your Social Security number before closing. Whether you're buying your first home or your fifth, this episode will change how you approach your next mortgage.
In this episode, we continue our discussion of Stephen Covey's idea of the space between stimulus and response and how leaders often react automatically instead of responding with intention. We look at why people become reactive, including habit, wiring, and learned patterns, and we discuss examples from leadership and sales where an immediate reaction can damage relationships. We also explore ways to widen the gap by observing before judging, naming emotions, asking what is driving a reaction, and checking decisions against заранее defined values. We close by returning to the idea that while we cannot control every outcome, we can control our response and use that pause to support steadier leadership and better long-term relationships. Audio Production by Podsworth Media - https://podsworth.com
Clint Russell of Liberty Lockdown discusses the inflation problem, the insane mortgage business, the J.D. Vance conundrum, and last but not least, that weird Israel provision in the NDAA. Sponsors: Persist Marketing Expat Money Summit CrowdHealth code: WOODS for $99 per month for the first 3 months Guest's Twitter: @LibertyLockPod Show notes for Ep. 2783 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Most people who want to know how to study the Bible are looking for a system. A plan to finish in a year, the "right" translation, a highlighting method that finally sticks. Alex Bernardo, host of the Protestant Libertarian Podcast and a trained biblical studies student, spent this episode dismantling that instinct. There is no single correct method. There is only the daily habit of putting yourself in front of the text and refusing to leave until it has done something to you.Doug Stuart noticed Alex's heavily marked-up Bible over breakfast at Acton University and wanted to know the man behind the exegesis. What came out is a working philosophy of Bible study that treats intellectual growth and discipleship as the same project, not competing ones. You cannot grow as a disciple without growing in understanding, and understanding that never touches your life is just trivia.This is a practical guide to how to study the Bible over a lifetime: how to build the habit, which translations reward close reading, when to bring in commentaries, what to mark, and which popular practices are worth abandoning.Chapters:0:22 Welcome and Bible Reading Habits2:53 Early Bible Memories4:39 Faith Through the Gospels6:06 Daily Reading Routine8:36 Reading Without a Plan10:26 Lectionary Life12:05 Choosing the NASB16:00 Paragraphs and Verse Marks18:09 Reading as Narrative22:22 Finding the Right Translation28:30 Using Study Tools33:07 Memory and Bible Flow35:23 Marking Key Passages41:30 What Didn't WorkAudio Production by Podsworth Media - https://podsworth.com Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
The great Dave Smith talks about the Iran war, the problems, and what 2028 might look like. Sponsors: Expat Money Summit Policygenius Agorist Tax Advice Guest's Twitter: @ComicDaveSmith Guest's Website Show notes for Ep. 2782 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
I took four important old books and produced fresh new editions of them, with more readable typesetting, and I'm giving them away as part of my Unapproved Library. No professor will ever assign you these books. I discuss them in this episode. The books discussed are: - Reconstruction: Political and Economic, 1865–1877, by William A. Dunning, including a new foreword by historian Brian McClanahan. - The Founders of the Republic on Immigration, Naturalization, and Aliens, a collection of writings from figures including John Adams, Benjamin Franklin, Alexander Hamilton, Thomas Jefferson, and George Washington. - A Short History of Paper Money and Banking in the United States, by William Gouge, a detailed examination of paper money, banking, inflation, and boom-and-bust cycles. - A Brief Enquiry into the True Nature and Character of Our Federal Government, by Abel Upshur, a defense of the compact theory of the Constitution and the states' rights tradition. Download all four free books at: UnapprovedLibrary.com Sponsors: Persist Marketing Policygenius code: WOODS Show notes for Ep. 2781 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Most abortion debates fail to advance the conversation because the two sides aren't arguing on the same grounds — one side makes a moral or religious case, the other a case from women's rights; so they talk past each other. Kerry Baldwin argues that there's a better approach. In this FreedomFest debate with Michael Shermer, Baldwin makes her case. Shermer approaches abortion from a secular humanist perspective, making a moral-pragmatic case for pro-choice that centers the lived reality and full moral status of women. Baldwin, though a professing Christian, does not argue from religious or moral grounds. Instead, she argues from a natural law, libertarian legal-rights, and free-market perspective. Both are critical of the conventional pro-life argument, and both believe that reducing unwanted pregnancies through free-market solutions is the practical path forward. What they disagree on is whether a consistent defense of women's rights can stop short of recognizing fetal self-ownership. Rather than relitigating the familiar culture-war framing, this debate advances the liberty conversation by asking what libertarian principles actually require and what the net benefit is for women's rights more broadly.Be sure to bring your questions and participate in Kerry's post-debate live Q&A here: https://mereliberty.com/freedomfest-attendee-email-list/Kerry's main site: https://mereliberty.com/The Reformed Libertarians Podcast: https://libertarianchristians.com/shows/reformed-libertarians-podcast/Audio Production by Podsworth Media - https://podsworth.com Use code LCI50 for 50% off your first order at Podsworth.com to clean up your voice recordings and also support LCI!Full Podsworth Ad Read BEFORE & AFTER processing:https://youtu.be/vbsOEODpQGs ★ Support this podcast ★
I run through some recent items in the news in which "equality" is a thread running throughout, and show why M.E. Bradford described equality as "the antonym of every conservative principle." Sponsors: Bank on Yourself Agorist Tax Advice: Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit at: https://AgoristTaxAdvice.com/woods Links Mentioned: Tom's Free Books Tom's Unapproved Library The Woods Murder Mystery Dinner Parties Show notes for Ep. 2780 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Stefan Molyneux, a familiar name to most of my listeners, hosted the world's largest philosophy show until he was suddenly deplatformed everywhere. He had thought: I have the truth on my side, so who can stop me? But they want you to repeat -- or at least not outwardly object to -- a series of absurdities, and that makes a truth-teller dangerous. Happily, nowadays people regularly say far more provocative things than anything Stefan was punished for. He and I discuss this and plenty more. Sponsors: CrowdHealth - code: WOODS for $99 per month for the first 3 months Persist Marketing Guest's Website: Freedomain Guest's Twitter: @StefanMolyneux Show notes for Ep. 2779 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Scott Horton joins us to discuss the increasingly intractable Russia-Ukraine war, and the persistent problem of the Israel Lobby, whose sins are largely unknown to the American public. Sponsor: Agorist Tax Advice - Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit at: https://AgoristTaxAdvice.com/woods Guest's Website: Scott Horton Academy (use code WOODS for discount) Guest's Twitter: @ScottHortonShow Show notes for Ep. 2778 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
"Democratic socialism" has come back into fashion -- with the monetary authority having pushed prices up, ordinary people have concluded that "capitalism," which makes it possible for them not to be living in the dirt, has "failed." Keith Knight has 64 arguments against it, but we discuss about 11. Sponsors: HomeServe Persist Marketing Guest's Website: Libertarian Institute Guest's Twitter: @an_capitalist Show notes for Ep. 2777 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Peter Brimelow, author of Alien Nation and publisher of VDARE, discusses the silver lining in the ridiculous birthright citizenship Supreme Court decision. Sponsors: Agorist Tax Advice - Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit here Bank on Yourself Guest's Website https://PeterBrimelow.com Guest's Twitter @PeterBrimelow Show notes for Ep. 2776 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk
Dominic Frisby discusses the resignation of Keir Starmer, the persistence of the left in the UK (with some good signs nevertheless), why and how Brexit was not fully implemented, and plenty more, in rather a lively episode. Guest's Newsletter: The Flying Frisby Sponsors: Agorist Tax Advice: Pick up a free copy of the brilliant Matthew Sercely's Agorist Tax Toolkit at: https://AgoristTaxAdvice.com/woods Bank on Yourself Show notes for Ep. 2775 The Tom Woods Show is produced by Podsworth Media. Check out the Podsworth App: Use code WOODS50 for 50% off your first order at Podsworth.com to clean up your voice recordings, sound like a pro, and also support the Tom Woods Show! My full Podsworth ad read BEFORE & AFTER processing: https://youtu.be/tIlZWkm8Syk