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We just got back from nine days in Florida. It was the first non-sports vacation we had taken in three and a half years.That number stopped me cold when I said it out loud. Not that we hadn't gone anywhere — we'd been everywhere, for tournaments. But a trip that existed for no reason other than to step away? Three and a half years.The trip got built around Christopher, who is a Chiefs fan, and a preseason game against the Bucs on August 22nd. Beach in Treasure Island. A Rays game. The Bucs game in Tampa. Then Orlando — water parks, Discovery Cove, Mickey's Halloween Party. Somewhere in the middle of it was a Friday where I sat on a beach from 9:30 in the morning until four in the afternoon and did nothing at all.I have not done that in years. And if you have heard me talk about the trip to Aruba my husband surprised me with for my 40th — the one where I panicked because he didn't check with my office first — you know that stepping away from my firm has never come naturally to me.This time was different, and I want to be precise about why. It wasn't willpower. It wasn't a mindset trick. It was that I have spent the last stretch working hard on delegating — with Kim, in my coaching work — and I have built a team in my office that can run without me standing over it. I checked email. There were a few client matters I handled. But the office did not need me, and I felt that for the first time.The realization on the other side of it is the part I'd want you to take: the work was still there when I got back. Nothing was a crisis. Nothing fell apart. Which means it probably wouldn't have any of the other times either.The second half of the episode is about the other thing that made the trip work — habits. I have built health and wellness habits over years, and this was the trip that proved what they're for. I packed my supplements by the day. I finished my progressive overload program in the hotel gym. And then I made a decision I have never made before: I did not start my next program on schedule. I waited until I got home, until I could do it right. Who is this person, honestly.In this episode:Why "I can't step away" is usually a team problem, not a discipline problemThe delegation work I've been doing — and the version of CEO I'm still building towardWhat actually happens when you leave: the honest inventory of what broke (nothing)How built habits let you travel without falling off — and why flexibility is the habit, not the enemy of itThe phone lockers at the water park, and the difference I could see in my kids within hoursIf you own the business and haven't taken a real break in years, this one is for you. Send it to someone who needs to hear that the world will keep spinning.

You Might Not Have an AI Problem—You Might Have an Operating System ProblemI've spent a lot of time teaching AI this week, and I noticed something that completely changed the way I think about AI in business.Almost everyone is using AI—but very few entrepreneurs are actually building with it.If you're using ChatGPT or Claude to write emails, brainstorm content, research ideas, or help with a random task, you're not doing anything wrong. I do those things too. But there's a much bigger opportunity hiding beyond the one-off prompts.In this episode, I'm breaking down the four levels of using AI in your business: from simply chatting with AI, to giving it context, building repeatable systems, and ultimately integrating AI into the way your business actually operates.And if you've been feeling like you're “behind” on AI, I want you to hear this: you probably aren't behind. You may just be using AI at the wrong level.Things I Cover:Why most entrepreneurs don't actually have an AI problem—they have an operating system problemThe 4 levels of AI in business: Chat → Context → Systems → IntegrationWhy giving AI better context can be more powerful than searching for the “perfect prompt”How to turn AI from a tool you occasionally use into a role within your businessThe difference between using AI for a single task and building a repeatable AI systemHow AI can support your calendar, inbox, CRM, meetings, content, team, and client follow-upWhy chasing every new AI tool could actually be slowing you downThe one question I want you to ask before hiring another person or adding another toolHow to identify ONE repetitive process in your business that AI could help you build once and use repeatedlyWhy the biggest AI advantage may not belong to the entrepreneur who knows the most tools—but to the one who knows where AI belongsYour ChallengePick one thing you do over and over again in your business.Instead of asking, “How can AI help me do this today?”Ask: “How can I build this once so AI helps me do it every time?”That shift—from using AI to building with AI—could completely change the way you operate.If this episode gave you a new perspective on how you're using AI, share it with another entrepreneur who needs to hear this.And if you're ready to start building AI into your actual business, connect with me on Instagram at @itsraquelq for resources, workshops, and ways to start building the systems behind your business.Build better. Live bigger. Play Bigger.

Ask a question hereIn the conclusion of this two-part Mythbusting Wednesday conversation, Natalie Hood sits down with Erik Knight to discuss his move from Watershape University to Pool Brain—and the bigger problems he hopes to help solve.The pool industry has more education available than ever, but is that actually part of the problem? New technicians are often buried under chemistry, equipment, software, procedures, and safety information before they have enough hands-on experience to understand how it all fits together.Erik explains how guided workflows and point-of-need education could help technicians produce better results from the beginning while developing a deeper understanding over time. Instead of three days riding shotgun followed by “Here are the keys—try not to turn anything green,” technology can provide structure, consistency, and some desperately needed early wins.Natalie and Erik discuss:Why technician turnover is highest at the entry levelWhether the education gap is really an education-overload problemThe weaknesses of traditional pool-company onboardingWhy hands-on learning creates knowledge that actually sticksUsing software to reinforce education instead of replacing itPool Brain's approach to guided workflows and chemistry recommendationsUsing historical data to predict future pH and water behaviorWhy experience—not intelligence—allows seasoned technicians to anticipate problemsAutomation as a force multiplier for pool professionalsHow technology can free technicians to develop higher-value skillsWhy automation equipment can become a profitable service-company revenue streamThe value of competition among software companies and education providersErik's continued relationship with Watershape UniversityWhat attracted him to Pool Brain's long-term visionWhy professional software requires more than an AI-generated interfaceInflation, rising equipment costs, and the need for greater efficiencyRoute optimization, properly stocked trucks, and eliminating costly supply runsErik also addresses the fear that technology will eventually replace the pool professional. Automation may handle repeatable tasks, but it cannot change filter sand, clean a DE grid, diagnose complicated equipment problems, or replace the judgment developed through real experience.Better technology does not eliminate the need for education. It can remove some of the repetitive bullshit, help new technicians succeed sooner, and give experienced professionals more time to solve complicated problems, serve better customers, and operate more profitable routes.Erik's goal at Pool Brain is straightforward: simplify what makes the job unnecessarily difficult, help pool professionals deliver safer and more predictable water, and give company owners the tools to become more efficient, profitable, and—God forbid—occasionally get home before dark. Support the showThank you so much for listening! You can find us on social media:FacebookInstagramTik TokEmail us: talkingpools@gmail.com

Have you ever moved the same task from Monday's list to Tuesday's list...then Wednesday's...and by Friday you're pretty sure that task has taken up permanent residence there?Meanwhile, you've accomplished 47 other things.So why do you still feel behind?My guest Megan has a name for this: time debt. And once she explained it, I started seeing it everywhere.It's a lot like financial debt. You begin today already owing yesterday, and tomorrow you'll owe today too. Pretty soon, no amount of crossing things off feels like enough.For parents, especially moms carrying work, kids, appointments, meals, household responsibilities, and all those invisible things somebody has to remember, that can get exhausting FAST.But here's where this conversation got especially interesting.What if the problem isn't that women need to get better at productivity?What if some of the productivity systems we've been told to use simply weren't designed with women's lives or biology in mind?Megan and I dig into some fascinating territory in this conversation, including:Why an unfinished to-do list can create time debt that compounds from day to dayHow “productive procrastination” can have you organizing a drawer while avoiding the task that actually mattersWhy advice like “Eat the Frog” might not solve the real problemThe surprisingly important reason Megan recommends doing a time audit before trying another planning systemWhy putting your commitments somewhere visual can make you think twice before saying, “Sure, I can do that!”How women's biological cycles and caregiving responsibilities may make some traditional productivity systems a poor fitThe startling change in how many young women report feeling overwhelmed compared with college freshmen decades agoWhat you may need to stop doing, not just organize better, if you actually want to get out of time debtAnd that last one may be the hardest.Because we parents are very good at asking, “How can I fit this in?”We're perhaps not quite as practiced at asking, “Should this be on my list at all?”If you've ever ended a very productive day wondering why you still feel like you failed, this conversation may give you a completely different way to look at your calendar, your expectations, and that task you've moved to tomorrow for the fourth time.Resources We Mention for Time DebtCheck out Megan's TOP Program and the TOP Program for StudentsGet her free training here to start figuring out that time debt situation!Watch my first interview with Megan on to-do listsWorkshops with Megan are available in #LifeSkillsNow Seasons Two and ThreeDenise Albright has some really fun and colorful planners and visual planning products! (Use code Katie for a discount)Get a peek at Teens Cook Real Food right here!Kitchen StewardshipRaising Healthy Families follow Katie on Instagram or FacebookSubscribe to the newsletter to get weekly updatesYouTube shorts channel for HPHFind the Healthy Parenting Handbook at raisinghealthyfamilies.com/podcastAffiliate links used here. Thanks for supporting the Healthy Parenting Handbook!

What if the most expensive line item in your business isn't payroll — it's the conversation you keep avoiding?This episode exposes a hidden growth ceiling most founders don't recognize: avoided conversations. When leaders delay hard feedback, unclear expectations, or boundary-setting, they silently absorb the operational cost.Dawn breaks down why silence at the top creates decision bottlenecks, cultural avoidance, and unnecessary founder workload and how to use AI as a thinking partner to walk into tough conversations with clarity.If your business feels heavier as it grows, this episode explains why and what leadership shift unlocks scale.If your business still requires you in every decision, every approval, and every difficult conversation, that's not a team problem it's a leadership architecture problem. Inside CEO Clarity Consulting, we rebuild your decision structure, ownership model, and leadership role so the business can move without everything running through you.Key TakeawaysWhy avoided conversations quietly become the most expensive operational drag in your businessHow silence at the top shapes your company cultureWhy founder overload is often a leadership architecture problemThe leadership shift that removes the founder bottleneckHow to use AI to prepare for difficult leadership conversationsResources & LinksCEO Clarity Consulting Free Guide: 10 Ways AI Will Make You a Better LeaderRelated Episode:116 | How Female Founders Use AI to Stop Being December's Bottleneck (The August Delegation Fix)Send us Fan MailWant to increase revenue and impact? Listen to “She's That Founder” for insights on business strategy and female leadership to scale your business. Each episode offers advice on effective communication, team building, and management. Learn to master routines and systems to boost productivity and prevent burnout. Our delegation tips and business consulting will advance your executive leadership skills and presence.

For high achievers, pushing harder can become a way of life. You wake up thinking about what needs to get done. You move from responsibility to responsibility. You bring work energy home. Even when you finally have a chance to rest, part of you is still switched on.In this episode of Rewiring Health, I'm joined by Deri Llewellyn-Davies for a powerful conversation about performance, burnout, purpose, fear, recovery, and what it really takes to live well when you're wired to achieve.Deri grew up in a small rural village in Wales, where community and shared responsibility were simply part of how life worked. That early foundation shaped the way he later approached leadership, pressure, and decision-making.Over the past three decades, Deri has advised and sat on more than 330 boards, becoming known for identifying the real constraint beneath the noise and helping founders and organizations think more clearly when the stakes are high. His signature Strategy on a Page methodology became a number-one bestseller and has helped thousands of founders scale with greater clarity and purpose.But Deri's understanding of performance didn't come only from the boardroom.He has also spent years testing the limits of human performance in extreme environments—climbing six of the world's highest mountains, completing the Marathon des Sables, racing Ironman, and facing moments where survival itself was uncertain.Those experiences became a kind of laboratory for understanding what happens to the mind and body under pressure—and why some of the same traits that help high achievers succeed can eventually become the very things that exhaust them.That intersection of leadership, extreme performance, neuroscience, and lived experience led Deri to create Ultra States, a framework built around a simple but powerful idea:You are always in a state.The question is whether you chose it.Through Ultra States, Deri explores the distinct states of focus, flow, connection, recovery, and peak performance and why sustainable success depends less on forcing yourself to perform constantly and more on learning how to move intentionally between them.In this conversation, we explore:-Why ambition itself isn't necessarily the problemThe difference between pushing from purpose and pushing from fear-Why burnout can happen when you stay in one dominant state for too long-How to create the conditions for flow instead of waiting for it to happen-How your physiology can overpower even the strongest mindset work-Why reaching for your phone first thing in the morning can immediately affect your state-Why attaching your identity too tightly to achievement can become dangerousDeri also shares the deeply personal experiences that shaped his philosophy, including the death of his father, confronting regret, facing life-threatening moments in extreme environments, and learning through fatherhood how easily intensity can follow us from work into the relationships that matter most.Connect with Deri:LinkedIn: https://www.linkedin.com/in/thestrategyman/X: https://x.com/thestrategymanConnect with KellyTake the FREE Self-Abandonment AuditDiscover where you're unintentionally abandoning yourself—and begin rebuilding self-trust.

Most parents would do anything for their child. But what happens when love isn't the same as feeling understood?In this episode of Normalize the Conversation, Francesca Reicherter sits down with John Trautwein, founder of the Will to Live Foundation, whose 15-year-old son, Will, died by suicide.Through remarkable honesty, John shares what he wishes he had known before losing his son—and how that experience transformed the way he approaches parenting, communication, and mental health.Together, Francesca and John discuss:Why children often stop sharing what they're really feelingHow validation can be more powerful than fixing the problemThe importance of asking better questionsWhy peers and “life teammates” play a critical role in mental wellnessHow parents can create conversations that reduce shame and isolationSmall acts of connection that can make a lasting differenceWhy talking about depression and suicide doesn't create risk—it creates opportunity for supportFrancesca also shares her own lived experience with depression and the moments that helped her survive, making this conversation deeply personal while offering practical guidance for families, educators, coaches, and anyone who wants to better support the people they love.If this episode resonates with you, please follow Normalize the Conversation, leave a review, and share this episode with someone who could benefit from it.Because the conversations we avoid are often the ones that matter most.ConnectJohn Trautwein:  www.johntrautwein.comFrancesca Reicherter (host): francescareicherter.com

Send Vanessa a text or a voicemail!What if the way you walk, stand, load your feet—or even grip the ground—is telling a story about far more than your feet? This is not simply an episode about foot pain. In fact, you don't need to have foot pain at all to get something from this conversation.Today I'm joined by Dr. Jen Perez of Gait Happens, a chiropractor whose work centers around functional movement, biomechanics, gait and lower-extremity assessment, for a fascinating conversation about what the feet can reveal when we stop looking at them in isolation. We talk mechanics, gait, loading, recoil, footwear, and orthotics—but we also go somewhere conversations about the feet rarely go: the nervous system.How might fear change the way we move? What does compensation tell us about what the body has adapted to? Can our mental and emotional experiences influence the way the body moves, protects, and holds on? And what happens when a diagnosis stops being something we have and slowly becomes part of who we believe we are?Gait Happens has spent the last decade helping change the conversation around foot health, filling a much-needed gap in education and challenging us to think beyond the conventional, isolated approach to pain and dysfunction.In this episode:Why foot pain isn't always simply a foot problemThe two-way relationship between the feet and the rest of the bodyThe fascinating connection between the feet, gait, and nervous systemWhat the way someone walks and carries themselves can tell usSurprising signs of fight-or-flight that may show up through the feetFear of movement and how pain can change the way we moveAdaptation, compensation, and the body's ability to protectThe mental and emotional components of painWhy language matters when talking about pain and the bodyGait, loading, recoil, and healthy foot mechanicsFootwear as a tool (not a universal prescription)The nuance around orthotics and individual needsWhat Dr. Jen looks for in footwearBuilding capacity and resilience rather than simply chasing symptomsConnect with Dr. Jen & Gait Happens:Gait Happens YouTubeGait Happens InstagramGait Happens Toe SpacersGait Happens Toe StrengthenersBe Lenka Barefoot Shoes — Use code GAITHAPPENS for discountAltra RunningSUPPORT INTENTIONALLY WELL: A few of my current favorites: Mitolife Vitamin C — My go-to vitamin C. Use code VANESSA15 to save 15%.Mitolife KDF Shower Filter — The shower filtration system I use in my own home. Use code VANESSA15 to save 15%.Equip Foods — My favorite grass-fed protein + clean protein bars. Use code VANESSA15 to save 15%.Purchasing through these links is an easy way to support the podcast at no additional cost to you. See all of my favorite products + listener discountsWant to support the podcast directly? Buy Me a Coffee – Intentionally WellConnect with Vanessa and IWP:IWP Website: Intentionally Well PodcastSubstack: Intentionally Well ReflectionsPodcast on InstagramVanessa on InstagramPodcast on YouTubeVanessa on TikTokVanessa on XEmail: intentionallywellpodcast@gmail.comSupport the showThis episode is for informational purposes only. Please consult a trusted health practitioner for individual concerns.

If your membership signups have slowed down, your first instinct is probably to look at your sales page, your emails, or your pricing.Nine times out of ten, that's not where the problem actually lies.In this episode, I break down why stalled signups are almost always an audience growth problem in disguise, and I share seven proven strategies for keeping new people flowing into your world even after your membership is up and running.In this episode:Why stalled membership sales are almost always an audience growth problem, not a sales problemThe three core levers for growing your audience, and why they work best combinedHow to build a brand and content strategy that reaches people at every stage of the buyer journey, not just oneHow to repurpose your content so more of your audience actually sees itA repeatable framework for landing guest spots, collaborations, and other borrowed-audience opportunitiesWant the CLEAR framework as a ready-to-use template? Grab the free Collaboration Outreach Swipes, which includes the fill-in-the-blank pitch email, a leverage currency worksheet, and a pre-outreach checklist.And if you want a wider view of where the gaps in your membership business actually are, our free Membership Healthcheck is built for exactly that.Key Quotes & Takeaways:"It is almost always the audience growth that is the main culprit.""Your brand is what people say about you when you're not in the room.""Paid ads should amplify and accelerate what's already working organically. It's not a fix for a broken system.""Go in there and be a valuable member. Share useful tips, generously answer questions, contribute to discussions."You might also find useful:The 3 Pillars of Exponential Membership GrowthGrowing Your Membership with Joint Venture PromotionsUnderstanding the Customer Journey with Kenda Macdonald4 Tactics for Accelerating the Growth of Your Membership AudienceThank You For ListeningWe really appreciate you choosing to listen to us and for supporting the podcast.We would be eternally grateful if you would consider taking a minute or two to leave an honest review and rating for the show.They're extremely helpful when it comes to reaching our audience and we read each and every one personally!Finally, don't forget to subscribe to the podcast to make sure that you never miss an episode.

Chat UP is Unofficial Partner's series on AI in the sports business.Today's guest is Mike Bracken CBE. He built the UK's Government Digital Service, became the country's first Government Chief Data Officer, and now runs the consultancy Public Digital, advising governments and institutions worldwide. Richard sits him down to test a simple, uncomfortable idea: that most of sport's "AI problem" isn't about AI, isn't even about data, and can't be bought from a vendor. What follows is a masterclass in why change management fails, who really holds the power, and where the genuine prize for sport is hiding.The two questions that come before any tech decision"Why are you asking the question about AI?"The standards argument: airports, not algorithmsThe Palantir for Sport questionIt's about power, not technologyOpen v closed, and the wall of moneyWhy the single customer view is "a marketeer's wet dream"CRM v VRM: the extractive trapThe bogus-metrics problemThe trick sport is missingChat UP is made in collaboration with TFG Labs. ⁠⁠TFG Labs is the centre of innovation within the Twenty First Group and is truly the testing ground for groundbreaking sports intelligence. Their team of dedicated AI engineers are using the power of emerging technologies to deliver powerful changes to organisations across the whole sports ecosystem.Unofficial Partner is the leading podcast for the business of sport. A mix of entertaining and thought provoking conversations with a who's who of the global industry. To join our community of listeners, sign up to the weekly UP Newsletter and follow us on Twitter and TikTok at @UnofficialPartnerWe publish two podcasts each week, on Tuesday and Friday. These are deep conversations with smart people from inside and outside sport. Our entire back catalogue of 500 sports business conversations are available free of charge here. Each pod is available by searching for ‘Unofficial Partner' on Apple, Spotify and every podcast app. If you're interested in collaborating with Unofficial Partner to create one-off podcasts or series and live events, you can reach us via the website.

If a quiet January makes your stomach drop, pull up a chair. I am giving you a behind-the-scenes peek at the session I recorded for the 2026 Black Friday Summit, which runs August 25 through August 27, and my session takes a different angle than most of the others you will see there. The other speakers walk you through a Black Friday that already happened. I am walking you through the plan I am building right now for my own photography business, before the cart ever opens.Here is the tough love I lead with: panic marketing is a pricing problem wearing a marketing costume. Quarter one is slower than molasses for most of us, and when January shows up with an empty calendar and no plan, we start slashing prices to get somebody, anybody, on the books. Thinking ahead is a skill you can train, not a personality trait you were born with, so in this episode I am spilling the tea on the seven steps I am working through for my own branding photography sale. Mostly, go grab your seat at the summit so you can catch the full session plus every other speaker! https://blackfridaysummit.com/What you'll learn in this episodeWhy panic marketing in January is a planning problem, not a marketing problemThe two money questions to answer before you choose a single Black Friday offerWhy I am selling ONE offer this year instead of discounting my whole menuThe booking chain I build and test by early September so I never answer an availability emailAnd so much more!Resources & Links Mentioned In This Episode▸ Read the full blog post that goes with this episode (that way, you get all the links mentioned): https://systemsandworkflowmagic.com/black-friday-plan-for-photographers/▸ Get your free ticket to the Black Friday Virtual Summit: https://blackfridaysummit.com/Connect with Me (Dolly DeLong Education)

We're not going to tell you the food photography market isn't crowded. It is. You've felt it - the comparison spiral, the 'why would anyone pick me over them' moment, the sense that there are more talented photographers than ever and less room to be seen. That's real. But here's the reframe: Saturation isn't what stops you. Getting lost in the comparison game is. And that's a completely different problem to solve.In this episode, we dig into what standing out actually means - not being louder, more prolific, or more experimental, but being unmistakably recognisable to the right clients. We talk about the comparison trap, the identity layer that tactics have to be built on, practical ways to differentiate, and how to stay relevant over the long term without chasing every trend. Because the photographers who thrive in a crowded market aren't the ones who panic about competition. They're the ones who go deeper into their own direction.Topics covered on standing out as a food photographer:Why a crowded market is a mindset problemThe comparison trap - how it works against distinctiveness, and how to step out of itWhat 'standing out' actually means: visibility vs. recognitionThe identity assets that can't be copied - and how to lean into themPractical differentiation: niche clarity, process, brand voice, and consistencyHow to stay relevant over time without chasing every trendThe mindset shift from monitoring competition to going deeper into your own directionFocus & Flourish, Photography Business Talk is a podcast for food photographers and creative entrepreneurs who want to build structured, sustainable, and profitable businesses. Hosted by Marta Grabowska and Linda Hermans, the show combines real-life experiences with practical strategies around marketing, pricing, workflows, and mindset - helping creatives step into their CEO role and grow with clarity and confidence.

It's easy to walk out of a rushed appointment, an unexplained bill, or a denied claim and quietly blame the person in the white coat. Doc G (Doctor Jordan Grumet), the hospice physician and longtime Stacking Benjamins favorite, argues that's exactly the wrong target, and that the confusion isn't an accident. Somewhere between the insurance company, the pharmaceutical company, the private equity firm, and the electronic records system, a lot of people are getting paid, and the two groups actually providing and receiving care are left holding the bag. Here's the good news: almost nobody appeals a denial, and appeals win far more often than you'd expect. This episode gives you the real playbook.What You'll Walk Away WithThe exact first move to make when a claim gets denied, and why documenting it matters more than people realizeWhy a procedure can get pre-approved and still get denied months later, and what to save to protect yourselfA simple "who do you call first" framework for untangling a prescription, billing, or coverage problemThe pharmaceutical industry trick of repackaging old drugs as "new" ones, and the one question that sidesteps it completelyHow to spot whether your doctor's office is privately owned or backed by private equity, and why it changes the care you getWhy so much unnecessary testing exists purely to protect doctors from lawsuits, not to protect youThe real math on insurance appeals, and why giving up is exactly what the system is counting onWhy This Matters NowHealthcare confusion isn't just an annoyance, it's a real financial risk hiding in plain sight. A denied claim, a surprise bill, or a medication that suddenly isn't covered can undo months of careful budgeting in a single afternoon. The difference between losing that fight and winning it usually isn't luck, it's knowing the specific, doable steps to push back before you give up. This isn't about becoming your own doctor or insurance expert. It's about not getting steamrolled by a system that's counting on you not knowing what to do next.From the BasementA story about FedEx's founder famously saving the company with a lucky night at a Vegas blackjack table becomes the day's trivia detour, and somehow ties neatly back into an episode all about refusing to give up when the system says no.Resources MentionedThe Healthcare Heist by Jordan Grumet, MD — Doc G's new book on fixing the doctor-patient relationshipEarn & Invest podcast — Doc G's award-winning personal finance podcastSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Text us a comment or question!What if the problem isn't your willpower...What if it isn't your age...What if it isn't your metabolism...What if you've simply been following the wrong blueprint?This week, we're doing something we've never done before on The Over 50 Health & Wellness Show.Over the next several months, I'm inviting you behind the scenes as I revise and edit my upcoming book, Fully Alive: A Blueprint for the Strongest, Healthiest, and Most Meaningful Second Half of Your Life.Each week, I'll share one chapter with you before it's published - and I'd love your help making it even better.In this first chapter, we tackle one of the biggest frustrations I hear from men and women over 50: "Why do I keep losing the same weight... only to gain it all back?"If you've ever felt like you're trapped in an endless cycle of dieting, temporary success, and frustrating weight regain, this episode is for you. In This Episode You'll Discover:Why losing weight isn't actually the biggest challengeThe real reason so many diets fail long-termWhat I call The Diet Trap - and why millions of people unknowingly fall into itWhy motivation isn't your problemThe difference between chasing weight loss and building a bodyWhy permanent results can never be built on temporary behaviorsThe powerful mindset shift that changes everythingIf you've spent years believing you simply lack discipline, this episode may completely change the way you think about your health journey. I Need Your Help!This book is still a work in progress, and I'd genuinely love your feedback.What ideas resonated most?Was anything confusing?Did something challenge the way you've been thinking?Is there anything you'd like me to expand on before the book goes to print?Do you have a personal story to share?Email me anytime at coach@silveredgefitness.com.I personally read every email, and your feedback may help shape the final version of this book. Coming Next Week...In Chapter Two: The Rabbit Food Trap, we'll expose one of the biggest myths in nutrition and explain why eating less is often the very thing keeping people over 50 stuck.You won't want to miss it. If You Enjoyed This Episode...If this episode encouraged you, please take a moment to:⭐ Follow or subscribe to the podcast⭐ Leave a rating and review⭐ Share this episode with someone who's tired of losing—and regaining—the same weight year after yearTogether, let's build leaner, stronger, healthier bodies... and make the second half of life the best half of life.

This week we're pulling apart why so many women gain weight the moment they add carbs back, what's actually water and glycogen (not fat), and the genuinely mind-boggling reason your beliefs about carbs might be changing how your body physically responds to them. If you've been scared of rice, this one's for you.IN THIS EPISODE WE CHAT:Why you can't touch your carbs without looking at the rest of your macros first (the step almost everyone skips)The three things that can happen when you add carbs back, and why only one of them is actually a problemThe "puffy and fluffy" feeling explained: what that water is really doing, and why it's making you look tighter, not softerWhy the scale creeping up for three to five days is completely normal, and the exact moment most women panic and undo all their progressThe study where people were lied to about their carbs, and how their blood sugar responded worse anyway (yes, from belief alone)The uncomfortable truth about how a decade of "carbs are bad" self-talk can quietly make you less carb tolerantThe client who swore she felt puffier after carbs, while her weight and biofeedback said the exact oppositeREADY TO GO ALL IN AND BECOME YOUR STRONGEST, FITTEST, AND HOTTEST SELF?

Some stories stay with you long after you've heard them........This is one of them.In this deeply honest conversation on One For The Road, Peter shares the extraordinary journey that led him from a childhood surrounded by alcoholism, addiction and chaos to finding lasting freedom through sobriety. Growing up in West London, Peter experienced neglect, trauma, poverty and instability from an early age. As the years passed, he built what appeared to be a successful life, great career, nice cars, marriage and family;But beneath the surface, unresolved childhood pain quietly shaped every decision he made.Alcohol eventually became more than a drink. It became an escape.Peter opens up about how drinking masked decades of emotional wounds, the collapse of two marriages, living behind carefully constructed "masks", and the moment he realised that stopping drinking wasn't the end of the journey, it was the beginning of healing.This episode is a powerful reminder that recovery isn't simply about putting down the bottle. It's about rebuilding your identity, understanding your past and learning to live with honesty, connection and purpose.In this episode we discuss:Growing up in a home affected by alcoholism and addictionThe hidden impact of childhood traumaHow neglect shapes self-worth and identityLiving behind masks and becoming the person you think others wantWhy success, money and material possessions couldn't fix the painAlcohol as a coping mechanism rather than the real problemThe collapse of relationships through addictionThe difficult first year of sobrietyWhy unresolved trauma often resurfaces after quitting alcoholFinding healing through connection, journaling and honest conversationsBecoming the father he always wanted to beWhy life genuinely gets better without alcoholKey TakeawaysChildhood experiences can influence our adult behaviours far more than we realise.Alcohol often becomes a solution to emotional pain rather than the root problem.Sobriety is about much more than quitting drinking—it's about learning who you really are.Healing from trauma takes time, patience and honest self-reflection.It's never too late to change your life or repair relationships.Recovery isn't about becoming perfect—it's about becoming authentic.Resources MentionedWhat Happened to You? by Oprah Winfrey & Dr Bruce PerryJournaling as a recovery toolPeer support and sober communitiesTrauma-informed recoveryIf you enjoyed this episode please consider following the podcast, leaving a review and sharing this episode with someone who may need to hear it.Recovery is possible, and every conversation helps break the stigma around alcohol, trauma and mental health.If you want to connect with me via Instagram, you can find me on the instahandle @Soberdave https://www.instagram.com/soberdave/or via my website https://davidwilsoncoaching.com/Provided below are links for services offering additional help and advice.www.drinkaware.co.uk/advice/alcohol-support-serviceshttps://nacoa.org.uk/Thank you for listening to One For The Road. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Dr. Steve Edelman and Dr. Jeremy Pettus are joined by Dr. Shara Bialo, Senior Medical Director of Type 1 Diabetes Immunology at Sanofi, pediatric endocrinologist, and person living with type 1 diabetes, for an in-depth discussion about what happens before type 1 diabetes is diagnosed. Together, they explore the autoimmune process that begins months or even years before symptoms appear, why early detection matters, and how screening is changing the future of type 1 diabetes care. Dr. Bialo shares her personal diagnosis story, discusses common misconceptions about what causes type 1 diabetes, and explains the three stages of the disease. The conversation also covers who should be screened, how diabetes autoantibody testing works, the benefits of preserving beta cell function, and why identifying people before they develop symptoms can lead to better long-term outcomes and fewer cases of diabetic ketoacidosis (DKA). Whether you have type 1 diabetes, have a family member at risk, or simply want to better understand the latest advances in prevention and early detection, this episode provides valuable insights into one of the fastest-moving areas of diabetes research.Key Topics:Dr. Shara Bialo's personal journey living with type 1 diabetesWhy type 1 diabetes is an autoimmune disease, not simply a blood sugar problemThe role of genetics, viral infections, and the immune systemUnderstanding the three stages of type 1 diabetesWhy most people diagnosed with type 1 diabetes have no family historyAdult-onset type 1 diabetes and why it is often mistaken for type 2 diabetesWhat diabetes autoantibodies are and how screening worksWho should consider screening for type 1 diabetesAvailable screening options, including blood tests and home screening kitsThe emotional challenges families face when considering screeningThe importance of preventing diabetic ketoacidosis through early detectionWhy preserving beta cell function can improve long-term outcomesItaly's national screening program and the future of population-wide screeningResources available through screenfortype1.comThis content was produced with support from Sanofi and screenfortype1.com.✨ Subscribe for practical diabetes management tips, technology updates, and treatment breakthroughs that help people with diabetes live healthier, more flexible lives.More diabetes resources:Website: tcoyd.orgBlog: tcoyd.org/blogPodcast: tcoydthepodcast.transistor.fmInstagram:   / tcoydFacebook:   / tcoydStay connected! Sign up for our monthly newsletter here!Support TCOYD's educational programs: tcoyd.org/donate ★ Support this podcast ★

GuestTodd Fossey — author of Beyond the Gun and a strong voice for science-backed firearms and self-defense training.Episode SummaryIn this episode, John sits down with Todd Fossey to talk about his new book, Beyond the Gun, and why so much firearms training gives people false confidence instead of real capability.Todd breaks down why most violent encounters happen at contact distance, why clinch fighting, weapon retention, and decision-making matter more than most gun owners realize, and why marksmanship alone is not self-defense.They also get into how people really learn under pressure, why most training fails to transfer to reality, and what instructors and students should look for if they want training that actually works when things go bad.This one is direct, practical, and a needed wake-up call.What You'll LearnWhy most armed encounters happen much closer than people thinkWhy false confidence is one of the biggest dangers in self-defense trainingWhy marksmanship is only one piece of the problemThe difference between being a gunfighter and a fighter with a gunWhy most training environments are not preparing people for real violenceHow representative task design, variability, and failure improve learningA simple question to ask: “Is this training designed to benefit me—or my instructor?”Who This Is ForThis episode is for:Concealed carriersFirearms instructorsSelf-defense instructorsKrav Maga and martial arts coachesSerious students who want reality-based trainingParents and protectors who want a more honest view of preparednessListen & Subscribe

Most private practice owners think improving profitability means seeing more patients.The truth? Many clinics already have enough capacity; they just aren't maximizing it.In Episode 2 of the High-Performance Practice Series, Nathan Shields and Adam Robin break down one of the most overlooked drivers of clinic profitability: schedule efficiency and utilization.They explain why knowing your break-even point is the foundation of every scheduling decision, how to calculate provider production expectations, and why your front desk team plays one of the biggest roles in protecting your profit margin.From building accountability dashboards to creating scheduling systems that keep providers productive, this episode provides a practical framework for turning empty appointment slots into predictable revenue—without sacrificing patient care.In this episode, you'll learn:Why schedule utilization is one of the most important profitability metricsHow to calculate your clinic's true break-even pointThe revenue expectations every provider should understandHow to use provider productivity metrics to improve financial performanceWhy front desk systems not just marketing drive clinic growthThe scheduling dashboard that keeps your team accountable every dayHow to build battle plans before empty schedules become a problemThe characteristics of a high-performing front desk team memberWhen high utilization signals it's time to hire another providerHow better scheduling improves patient outcomes while increasing profitabilityWhether you're trying to improve provider productivity, increase revenue without adding staff, or simply gain more control over your clinic's operations, this episode gives you practical systems you can begin implementing immediately.Join us at the High-Performance Practice Conference and learn the systems, leadership strategies, and operational frameworks that help private practice owners build more profitable, purpose-driven clinics.Want to talk about how we can help you with your PT business, or have a question you want to ask? Book a call with Nathan - https://calendly.com/ptoclub/discoverycallLove the show? Subscribe, rate, review, and share! https://ptoclub.com/

348 - Feeling unmotivated in your photography business does not mean you are lazy or undisciplined. It usually means you have stopped believing something will work. Heather Lahtinen breaks down why belief drives action, how curiosity restarts momentum, and the question to ask yourself when you cannot make yourself move.What to Listen ForWhy your brain refuses to act without beliefThe exact thought that kills motivation fastHeather's honest low-energy season, unpackedWhy laziness is almost never the problemThe question a client asked that changed everythingHow hope quietly creates clarityThe chain from curiosity to real resultsWhy rest sometimes disguises avoidanceThe thought swap that restarts your momentumWhat to ask yourself when you feel stuckIf you have been waiting to feel motivated before you make your next move, this episode gives you a way to create that feeling on purpose. Have a listen, then go do the thing you have been putting off.Join Elevate: https://flourishacademy.mykajabi.com/elevateUse the code: 0724 to save $1000 but only through July 24th.CONNECT + LEARN MORE:Explore all things photography education at nicolebegleyedu.comReady to build a profitable photography business? Visit freedomfocusformula.comMaster the craft of pet photography at hairofthedogacademy.comFollow along on Instagram - @nicolebegleyofficial 

Survival mode isn't a setting you choose. Its a setting we get locked into, that piles on quietly until you don't even notice it's on. This week breaks down why business owners and employees keep restarting from zero, the research-backed reason it happens, and how to get yourself out of that cycle.Here's what we're sippin on:Why researchers gave this exact mental state a name, and why it's not a discipline problemThe real numbers behind accountabilityWhat a video game character's stat sheet gets right about progress that most of us get wrong in real lifeThe people who keep moving aren't the ones with more willpower, they're the ones who built a way to check in on themselves before they needed it.Thank you for listening, and as always...enjoy your first sip!Click here to watch the full episode on YouTubeWhat did you think about this episode?--------------------------------Get the First Sip Field Notes: A weekly newsletter for curious people building better businesses, careers, and lives. You'll also get a free tool to help you decide if that idea you're sitting on is actually worth building.https://firstsipfieldnotes.beehiiv.com/subscribeCONNECT WITH DEKIMBE: YouTubeInstagram  Facebook LinkedInFOLLOW THE PODCAST:InstagramApple PodcastsSpotifyFor podcast sponsorship & advertising opportunities please contact: firstsippod@gmail.com

What if the biggest challenges in your life aren't actually about money, health, your career, or even your relationships with other people?In this episode, Milli shares the one realization that changed everything: every struggle is ultimately a relationship issue. More specifically, it's a reflection of the relationship you have with yourself.She breaks down the three core relationships that determine the quality of your life: your relationship with yourself, your relationship with others, and your relationship with life itself. Through personal stories and powerful insights, you'll discover how your inner world shapes your external reality, why self-trust and self-compassion are the foundation for everything else, and how changing your internal relationship can transform every area of your life.If you've ever felt stuck in repeating patterns, struggled with relationships, or wondered why lasting change feels so difficult, this episode will give you a completely new perspective.In This Episode, We Cover:Why every problem is actually a relationship problemThe three relationships that determine your quality of lifeHow your relationship with yourself shapes every other relationshipWhy your beliefs become the filters through which you experience lifeThe connection between self-trust, nervous system safety, and emotional resilienceHow changing your inner world transforms your outer worldWhy healthy relationships begin with self-leadershipThe role of manifestation as a reflection of your relationship with yourselfHow to identify the stories and beliefs keeping you stuckQuestions to ask yourself if you want lasting change

There is a huge messaging problem that happens all the time with Nonprofit leaders that is virtually invisible to us, and yet can be incredibly costly. And I don't want that to be happening to you. But the truth is, it probably is, at least with some of your decisionmakers.  Here's how you know that it's happening. If you have any decisionmakers who still aren't getting it about what you really do and the impact of it and its value, there is most definitely a hole in your messaging.  When they're not getting it, the very first place to look is your messaging around the problem you solve. And here's why. The truth is decisionmakers will not care one bit about your solution if they don't first care about the problem that you solve. Part of the problem is we tend to think that the problem is obvious, that everybody already gets that. And so we jump right to the solution. We start right in with, "Here's what we do. Here's who we help. Blah, blah, blah."  But the fact is, most decisionmakers do not go around thinking every day about the problem that you solve, and it's very unlikely they understand the level of impact of the problem in the way that you do. They're not going to be listening to how great your solution is if they don't first think that the problem is important, serious, and urgent to solve. If they don't think those things, then all your cool information about how you solve it and the wonderful results that it produces, just slides off them. Because in their head, they're like, "Yeah, but it's not that big a problem, so whatever."  And more to the point, if they don't think the problem you solve is important, serious and urgent, why would they ever invest in your solution? In this episode, we share:The primary causes of decisionmakers not understanding the problemThe three messaging elements that will get decisionmakers to see the problem you solve as important and urgentThe vital question you must ask multiple times as you develop your messaging around the problemThe most common unhelpful belief decisionmakers have that causes them to disregard the problemThe critical ingredient to add to your messaging to disrupt those unhelpful beliefs   If you found value in this episode, please share it with other progressive nonprofit leaders.  And I'd be grateful if you would leave a rating and review on Apple podcasts, which will help even more people find out about this podcast.Thanks!

In this episode, Simone sits down with Robbie Jan — Australian entrepreneur, creator, and host of Robbie on the Record — for a candid conversation about body image, diet culture, social media, and the difference between discipline and obsession. Robbie, a former oral health therapist turned entrepreneur with an audience of over 1.8 million, opens up about her personal history with disordered eating, how she rebuilt her sense of identity, and her perspective on the risks and pressures surrounding GLP-1 medications today. This episode is shared as a testimony of recovery, and touches on themes of shame, faith, and self-worth.In This Episode, You'll Hear About:Robbie's background as a clinical oral health therapist and what it taught her about the gap between looking healthy and being healthyHow "wellness" can become another form of performance on social media, and what real rest and recovery look likeRobbie's personal history with disordered eating during a high-stress period in university, and the process of recognizing and naming the problemThe role that shame plays in silence around eating disorders, and how speaking openly can loosen its gripRobbie's faith journey and how reframing her identity helped her separate self-worth from appearance, achievement, and follower countsThe connection between chronic stress, an autoimmune diagnosis (Hashimoto's), and the mind-body link — including a nod to The Body Keeps the ScoreA practical tool Robbie uses: writing down negative self-talk to interrupt automatic thought patternsThe distinction between discipline (rooted in identity) versus obsession (rooted in control)A candid discussion of GLP-1 medications — concerns about off-label prescribing, long-term unknowns, muscle loss, and lesser-known side effects like "Ozempic mouth"Robbie's closing encouragement to women comparing themselves to others: you're on your own timelineA Note on This Episode: This conversation includes a personal account of past disordered eating. It's shared from a place of recovery and reflection, not instruction. If anything in this episode resonates with you personally, please know you don't have to navigate it alone — reaching out to a therapist, doctor, or a helpline like the National Alliance for Eating Disorders can be a good first step.Resources & Links:Follow Robbie Jan https://www.instagram.com/robbijan// Robbie on the Record: https://www.instagram.com/robbiontherecord/Book mentioned: The Body Keeps the Score by Bessel van der KolkIf this episode resonated with you, share it with a friend who needs to hear it, and subscribe for more honest conversations on She's Leveling Up.

347 - There's one thought quietly killing your bookings, and it sounds harmless. "I don't want to bother them." This week Heather Lahtinen and I unpack why that single thought stops photographers from making offers, and what to think instead.What to Listen ForWhy every math problem is really a thought problemThe three places every booking problem livesGet energy versus service energy explainedWhy deciding for clients is actually rudeThe reason your art feels personal to sellWhy photographers undervalue their own skill setWho your best clients actually turn out to beWhat if your prices are too cheapThe $250 offer that should be $1,200How to use feelings as a thought barometerIf sharing your pricing makes your chest tight, that's a thought, not a fact. Give this episode a listen and get curious about what's actually going on under the surface.Resources MentionedEthical Selling bingeable course, available on the homepage at https://flourish.academyElevate coaching program with Heather Lahtinen: https://flourish.academyCONNECT + LEARN MORE:Explore all things photography education at nicolebegleyedu.comReady to build a profitable photography business? Visit freedomfocusformula.comMaster the craft of pet photography at hairofthedogacademy.comFollow along on Instagram - @nicolebegleyofficial 

Lee Thompson, founder of ClickSense, joins The Joseph Graham Show to unpack one of the biggest frustrations in business today: companies doing everything right in marketing yet still struggling to get real customers.Lee's work centers on closing that gap — helping businesses turn visibility into sales, interest into action, and attention into predictable revenue.This conversation dives into the mechanics behind conversion, the blind spots leaders miss, and the practical shifts that change everything.The Conversion Gap — why businesses generate attention but not customersBroken Buyer Journeys — where prospects fall off and whyEffort vs. Results — the real reason hard work doesn't automatically produce revenueSignal vs. Noise — how to identify what actually moves buyersConversion Systems — the structure businesses need to turn interest into salesAttention Economics — why attention is abundant but action is scarceMessaging That Converts — the shift from “look at me” to “here's how I solve your problem”Real Customer Acquisition — what changes when businesses stop chasing clicks and start building pathwaysData That Matters — the metrics that actually predict revenueFixing the Last Mile — the final step where most businesses lose the saleLee shares how he got into this work after noticing a pattern:Businesses were posting, promoting, and pushing content — but still not getting customers.That disconnect became his mission.Today, through ClickSense, he helps companies build systems that:Turn attention into revenueConvert interest into actionCreate predictable customer acquisitionRemove friction from the buyer journeyThe difference between marketing activity and revenue-producing activityWhy most businesses don't have a visibility problem — they have a clarity problemThe psychology behind why buyers hesitateHow to diagnose where your funnel is leakingWhat actually changes conversion (and what doesn't)The simple shifts that turn “lots of effort” into “consistent results”Build messaging around buyer problems, not business featuresTrack conversion indicators, not vanity metricsCreate a frictionless path from interest → actionFocus on signal-rich content that moves buyers forwardAudit your buyer journey for drop-off pointsAlign marketing with real customer behavior, not assumptionsJoseph Graham is a sales leader, podcast host, and coach helping business owners build selling systems that create predictable momentum without scripts, pressure, or chaos.Connect at JoeGrahamReal.com and follow on social platforms @JoeGrahamReal.

How many times have you looked back at a decision and thought, "I knew it from the beginning"?Not because you didn't know what to do.Because you overrode the part of you that already did.In this episode, I unpack one of the most quietly expensive patterns I see in high-achieving women. The habit of outsourcing your own knowing. Looking for more proof. Asking for one more opinion. Talking yourself out of the signal that was there from the very beginning.We explore why self-trust isn't about confidence or certainty. It's about learning to honor yourself even when doubt is present. Because every time you override your own knowing, you're not just delaying a decision. You're weakening the relationship you have with yourself.If you've ever found yourself saying, "I knew it," after it was too late, this episode will help you understand why that pattern exists and how to finally begin changing it.What You'll HearWhy self-trust is not actually a confidence problemThe difference between self-trust and self-certaintyWhat the "override loop" is and how it quietly disconnects you from yourselfWhy you keep looking for more proof when you already know the answerHow childhood experiences teach us to stop trusting our own voiceWhy honesty builds self-trust more than getting the decision rightThe personal story that changed my relationship with trusting myself foreverThe simple three-step practice for rebuilding self-trust one decision at a timeWhy women who trust themselves naturally become magneticOne Line to Sit With"Self-trust is not the absence of doubt."Think about one decision you've been sitting on.Not the one everyone else has an opinion about.The one where, deep down, you already know.Notice where you feel it in your body.Ask yourself one simple question:What does this signal need from me right now?Then honor it.Even if it's one small step.Because every time you choose your own knowing over the override loop, you strengthen the relationship you have with yourself.Clip-Worthy Moments"When was the last time you listened to yourself and actually acted on it?""It's not a confidence problem. It's a pattern problem.""Self-trust is not the absence of doubt.""You do know what's best for you.""You cannot shift what you can't see. But once you see it, you absolutely can shift it.""The pattern protected you. And now it's the very thing that's keeping you from the life that you say you want.""It costs you more than the wrong decision. It costs you the relationship with yourself.""Honesty is the foundation. Not accuracy.""When you're not at war with yourself anymore, you're magnetic.""You're not broken for struggling to trust yourself. It's a pattern. And patterns can shift."Want To Go Deeper?If this episode helped you recognize your own override loop, imagine what becomes possible when you can see the patterns beneath every decision you make.That's exactly why I created The Mirror™.It's an AI-powered self-discovery experience built on The Unblocked Method™ that helps you uncover the hidden patterns shaping your thoughts, behaviors, and decisions so you can stop repeating them and start trusting yourself again.Mentioned in this EpisodeThe Mirror™The Unblocked Method™The Unblocked Women's CollectiveIf This Hit You in The ChestSave this episode for the next time you catch yourself asking everyone else before listening to yourself.Then send it to the woman who's tired of second-guessing what she already knows.ConnectInstagram: @its.amysandersWebsite: www.amysanders.coThe Mirror™: https://amysanders.co/mirrorThe Unblocked Women's Collective: https://amysanders.co/collectiveEmail: support@amysanders.co

If Chris could go back and start his real estate career from scratch, what would he do differently?In this episode, Chris shares the biggest lessons he's learned after years of building a high-performing real estate business. From mastering the fundamentals to avoiding the mistakes that keep agents stuck, this episode is packed with practical advice you can implement immediately.Whether you're a brand-new agent or looking to level up your business, these timeless principles will help you create more consistency, more opportunities, and more income.In This Episode, You'll Learn:Why simplicity beats complexity every timeThe dangerous mistake agents make after finding successWhy prospecting is still the highest ROI activity in real estateHow surrounding yourself with top performers accelerates your growthWhy investing in yourself pays the highest returnsThe difference between an activity problem and a skill problemThe daily habit that can completely transform your businessKey Takeaways1. Simplicity wins.2. Never stop doing what's working.3. Prospecting solves almost everything.4. Proximity creates opportunity.5. Invest in your own growth.6. Know whether you have an activity problem or a skill problem.Memorable Quote"Every single day, have at least five conversations with people that last two minutes or longer about real estate. If you really want to crush it, make it ten."Commit to one simple habit:Have at least five meaningful real estate conversations every day, five days a week, for the next 90 days. Track your progress, stay consistent, and let the compound effect work in your favor.If you do that and still aren't seeing momentum, Chris wants to hear from you.RESOURCES: 

Someone put an IUL illustration in front of you. Maybe it was pitched as "market upside with no downside." Maybe as a "Roth IRA on steroids." Maybe as a way to "be your own bank." And now you're trying to figure out whether any of that holds up, or whether whole life, term, or a Roth IRA actually makes more sense. There's one question that organizes all of it: who carries the risk? With whole life, the insurance company carries it. With an IUL, the risk shifts to you. Everything else in this comparison follows from that single distinction: cost structure, cash value reliability, policy loans, and retirement income. https://youtu.be/JxJqweiyXwU This article covers IUL vs. whole life, IUL vs. term life, IUL vs. a Roth IRA, and the narrow case where an IUL is actually the right call. The goal isn't to tell you IUL is bad. It's to help you see clearly what you're choosing and what job you're asking it to do. Key TakeawaysWhere Does the Risk Live?What's guaranteed vs. what's projectedIUL vs. Whole Life: The Core ComparisonThe cost-of-insurance problemThe 0% floor misunderstandingCaps, participation rates, and spreadsEndowmentLapse ratesIUL vs. Term Life: Two Very Different JobsIUL vs. Roth IRA: The "Tax-Free Income" Pitch, ExaminedWhy IUL Falls Short for Infinite BankingThe double-dip problemLoans on an unstable baseSimplicity vs. active managementWhen an IUL Actually Makes SenseThe Right Tool for the Job You Actually HaveFrequently Asked QuestionsWhat is the main difference between IUL and whole life insurance?Is IUL better than whole life for Infinite Banking?Is an IUL better than term life insurance?Is an IUL a good alternative to a Roth IRA?Can you lose money in an IUL even with the 0% floor? Key Takeaways Whole life offers three contractual guarantees: guaranteed death benefit, guaranteed cash value, and guaranteed premiums that will never increase. An IUL uses flexible premiums, a variable cost of insurance, and index-linked crediting subject to caps, participation rates, and spreads the insurer can adjust annually. The "zero is your hero" floor only protects against negative index crediting. It doesn't protect against cash value declining due to rising internal costs. IUL is structurally incompatible with Infinite Banking, which requires guarantees. The risk you're trying to move off your shoulders needs to land somewhere solid. IUL can make sense for a narrow, specific purpose, but that purpose is not banking. Where Does the Risk Live? Both products are permanent life insurance. Both build cash value. Both offer tax advantages. That's exactly why people assume they're interchangeable, and exactly why the distinction matters so much. With whole life insurance, the risk of delivering on the policy's promises sits inside the insurance company. You pay your premium. They handle everything else. With an IUL, that risk shifts to you, through index performance, variable costs, and a contract the insurer can adjust every year. Here's a quick test: look at the contract length. A whole life contract is often 50 to 80 percent shorter than a universal life contract. The extra pages are disclosures explaining all the ways the insurer is not responsible, because that responsibility has moved to the index and to you.  On whole life, only you can make changes within the contract's provisions. The insurer can't touch your maximum premium, your guaranteed death benefit, or your guaranteed cash value.  On an IUL, the insurer can change cap rates, participation rates, spreads, and required premiums at each anniversary date. That's not a loophole. It's in the contract. What's guaranteed vs. what's projected Whole LifeIULDeath benefitGuaranteedConditional on continued fundingCash valueGuaranteed minimum dollar amountProjected, not guaranteedPremiumsFixed, will never increaseFlexible; insurer can require moreGrowthGuaranteed rate + non-guaranteed dividendsIndex-linked crediting, subject to caps and adjustable annuallyWho manages itThe insurerYouWho carries the riskThe insurance companyMore risk shifted to the policyholder Nelson Nash, the founder of the Infinite Banking Concept, was direct about this: never use a universal life product to take the banking function into your life. A bank runs on guarantees. The insurance product acting as your bank should too. IUL vs. Whole Life: The Core Comparison Whole life is built on guarantees. An IUL is built on a projection. That's the practical difference between knowing your cash value five years from now and running an illustration that depends on index performance, rising costs, and terms the insurer can revise annually. The cost-of-insurance problem Whole life spreads the mortality cost evenly across the life of the policy. It endows at age 120 or 121, so the math is known, the premium is level, and it's fixed from day one. An IUL uses annual renewable term costs that increase every year. Cheap early, expensive later. As you age, that rising cost eats into cash value faster. If the index underperforms, the insurer can require more premium to keep the policy alive, or it lapses. The 0% floor misunderstanding "Zero is your hero" implies you can't lose money. What it actually means is that index crediting won't go negative. But the policy's internal costs still come out: rising cost of insurance, fees, and charges. In a flat year, your cash value can decline even though the index "didn't lose." A floor on crediting is not a floor on cash value. Caps, participation rates, and spreads When the index performs well, you don't capture all of it. A cap sets a ceiling on credited gains. A participation rate credits only a percentage of the gain. A spread withholds credit on the first portion. Some contracts use one mechanism, some use all three. All of them can change every anniversary date. The upside story in the illustration isn't what you're guaranteed to keep. Endowment Whole life endows at age 120 or 121, meaning cash value and death benefit meet at that point, and a living insured is paid the full value out. The policy has a known end point, so the company can calculate and guarantee your cash value at every step. An IUL doesn't endow. There's no guaranteed future cash value figure at all. That's the number a banking strategy depends on knowing. Lapse rates Research from 2021 by Gottlieb and Smetters, published in the American Economic Review, found that 88% of all universal life policies never pay a death benefit. LIMRA's extrapolated data suggests whole life lapses at roughly 60% (Research published in the American Economic Review). The data involves extrapolation, but the direction is consistent: universal life lapses significantly more often, and rising costs over time are a major reason why. For a real-world example of what can go wrong, see our post on the Kyle Busch IUL lawsuit. IUL vs. Term Life: Two Very Different Jobs Term life is pure death-benefit protection. No cash value, lower cost, and it expires. For many families covering a defined window, a mortgage, kids at home, and years to retirement, that simplicity is a feature. Term does exactly what it says it does. An IUL is permanent insurance with a cash value component. But the cost of insurance inside an IUL behaves like an annual renewable term that increases every year. You're paying rising-cost term coverage embedded inside a more expensive, more complex wrapper. That reframes a common pitch: the IUL sold as "term you can get back." Once you understand the internal cost engine, that framing looks very different. When a term policy lapses, it usually means the coverage window was intentional. That's a plan working as designed. When an IUL lapses, something failed. The thing that promised to be permanent didn't make it, and it usually happens at exactly the wrong time. If the job is affordable protection for a defined period, term does it more honestly and more cheaply. Don't buy an IUL believing it's simply a better version of term. IUL vs. Roth IRA: The "Tax-Free Income" Pitch, Examined IULs are frequently sold as a Roth alternative: "tax-free retirement income with no contribution limits." It's worth looking at that honestly. A Roth IRA offers genuinely tax-free growth and qualified withdrawals. Full market participation, no cost-of-insurance drag, no lapse risk. The tradeoff is annual contribution limits and income phase-outs that exclude higher earners. An IUL offers fewerIRS contribution limits, tax-advantaged access through policy loans, and a death benefit. In exchange, you take on capped and adjustable upside, layered fees, a rising cost of insurance, lapse risk, and ongoing management requirements. The mechanism that matters most: the "tax-free income" from an IUL comes from borrowing against non-guaranteed cash value. If the policy lapses while loans are outstanding, the gain can become taxable at the worst possible moment, in retirement, when income options are most constrained. An IUL might add value for a high earner who wants an additional tax-advantaged bucket and a death benefit, and can fund it aggressively for 15 or more years. Even then, it's a complement, not a replacement. Roth IRAIULContribution limitsYes (IRS limits)NoUpsideFull market participationCapped and annually adjustableFeesLower FeesLayered (COI, admin, charges)AccessQualified withdrawals tax-freePolicy loans against non-guaranteed valueRiskMarket riskMarket-linked + COI + lapse riskComplexityModerateHighDeath benefitNoYes Why IUL Falls Short for Infinite Banking To use a policy for banking, you need to know what your future cash value will be. That's the whole point of the Wealth Creator's Cash Flow System: deploy capital, borrow against a foundation you can plan around, repay, and repeat. That only works if the numbers are certain. Infinite Banking isn't about maximizing return inside

In Part 1 of this conversation, Kyle and Sara talked about how AI is changing childhood and why parents need to stay curious, connected, and informed. In this Part 2 conversation, they get practical. Kids are already using AI for homework, writing, studying, brainstorming, advice, and entertainment. So the question is no longer, “Should my child ever use AI?” The better question is, “How do we teach our child to use AI wisely?” Kyle and Sara discuss how parents can guide kids toward healthy AI habits before those habits form on their own. They talk about homework, cheating, age-appropriate use, privacy, red flags, AI literacy, and how to create a family approach rooted in connection instead of fear.This episode will help parents think through how AI can support learning without replacing effort, struggle, responsibility, or independent thought. In this episode:When AI helps with homework and when it becomes a problemThe difference between helpful support and outsourcing the struggleHow AI use may look different by ageRed flags parents should watch forWhy privacy matters when kids use AIHow to teach kids that AI can sound confident and still be wrongHow to begin creating healthy family guidelines around AI View the full podcast transcript at: https://www.artofraisinghumans.com/ai-homework-and-kids-how-to-use-ai-without-letting-it-do-the-thinking-for-them Visit our website and social media channels for more valuable content for your parenting journey. Resource Website: https://www.artofraisinghumans.comVideo Courses: https://art-of-raising-humans.newzenler.com/Facebook: https://www.facebook.com/artofraisinghumansInstagram: https://www.instagram.com/artofraisinghumansPodcast Website: https://www.theartofraisinghumans.comBook List:https://www.artofraisinghumans.com/booklist The Art of Raising Humans podcast should not be considered or used as counseling but for educational purposes only.

Chronic pain is often treated as though it is purely a physical problem — an injury, a joint issue, a disc problem, inflammation, or degeneration.But for many people living with persistent pain, the real picture is far more complex.In this episode of Beyond The Pain, I speak with pain management expert Hany Demian about why chronic pain often needs to be understood through a much wider lens — one that includes the body, mind, emotions, stress, lifestyle, inflammation, nervous system sensitivity, and the person's overall health.Hany shares his own journey into medicine, the limitations he began to see in conventional pain management, and why he became increasingly interested in cellular health, regenerative medicine, and more holistic approaches to healing.We discuss why pain is not always just about the place where it hurts, why mindset and emotional stress can influence recovery, and why nutrition, movement, sleep, inflammation, oxidative stress, and lifestyle choices may all play a role in whether someone gets better or remains stuck.This is not about saying pain is “all in your head.” It is about recognising that persistent pain is often a whole-person problem — and therefore recovery may need a whole-person approach.In this episode, we discuss:Why chronic pain is often more than just an injury or structural problemThe limitations of conventional pain management when root causes are missedHow inflammation, oxidative stress, and lifestyle stress can contribute to persistent painWhy mindset and emotional health can influence chronic pain recoveryThe role of nutrition, movement, sleep, and stress management in healingWhy some people struggle to recover even after injections, procedures, or medicationHow taking a more proactive role in your health can support long-term pain reliefIf you are living with chronic pain, persistent pain, back pain, joint pain, or ongoing symptoms that have not fully responded to conventional treatment, this episode will help you think differently about what may be driving your pain — and what you may be able to do about it.Connect with Dr Hany:Website - https://drdemian.comInstagram - https://www.instagram.com/drhanydemian/YouTube - https://www.youtube.com/@drhanydemainConnect with Leigh:Beyond The Pain book - https://amzn.to/44ArJxTBeyond The Pain 14-Day Programme - https://bodychek.co.uk/beyond-the-pain-programme/Pain-Free Plate Free Guide - ⁠https://www.bodychek.co.uk/freepainguide/⁠Consult with Leigh - ⁠https://www.bodychek.co.uk/⁠consultation

Most coaches think they have a marketing problem.They don't.They have a sameness problem.In this episode, Kellan explains why AI isn't destroying coaching—it's exposing coaches who never built a truly unique identity in the first place. If your message sounds like everyone else's, if your methods are borrowed, or if you're competing on visibility instead of distinction, you're already losing.The future belongs to people who cannot be duplicated.Discover what it really means to become a Category of One, why embodied authority matters more than polished marketing, and how your lived experience—not another certification or content strategy—is your greatest competitive advantage.If you're a coach, consultant, entrepreneur, or creator wondering how to remain relevant in an AI-driven world, this conversation will challenge the way you think about your business forever.Key Takeaways:Why marketing cannot solve a sameness problemThe coming impact of AI on the coaching industryWhy becoming "the best version of everyone else" is a losing strategyThe meaning of becoming a Category of OneEmbodied authority versus borrowed expertiseBuilding an unmistakable coaching methodWhy your personal story creates your greatest valueHow AI amplifies originality but replaces generic workCreating a body of work that cannot be commoditizedThe future of transformational coaching

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If you've been doing all the right things and your body just isn't responding, this episode is for you. Melissa kicks off a brand new series on weight loss resistance — one of the most common and misunderstood experiences in midlife. In this intro episode, she breaks down exactly who experiences weight loss resistance, why it's not a willpower problem, and what's actually driving it at a physiological level. Spoiler: there's always one reason. And it's not what diet culture told you.IN THIS EPISODE, YOU'LL LEARN:Why weight loss resistance is a whole-body physiological condition — not a discipline or consistency problemThe one root reason your body holds onto body fat (and why everything points back to this)What the woman experiencing weight loss resistance typically looks like — and why midlife changes the entire gameThe two types of clients Melissa worked with who couldn't lose weight — and what she finally figured outWhy eating less and doing more cardio is often the worst thing you can do in midlifeHow Melissa became her own first client — and how that shaped the framework she uses with clients todayWhy the Midsummer Reset challenge starting July 13th is a timely reset for where you are right nowTIMESTAMPS:00:01 — Welcome + Series intro: Why You're Stuck 01:20 — Segue from the GLP-1 series into weight loss resistance 02:21 — The Midsummer Reset challenge (July 13th) + why this timing matters 04:47 — Who experiences physical weight loss resistance 06:30 — The one reason your body won't release body fat: safety 07:01 — What your life probably looked like 10 years ago (and why it matters now) 09:12 — How hormones used to protect you — and what happens when they shift 10:40 — The two client types: emotional vs. physical weight loss resistance 12:40 — How Melissa became her own first client and built her framework 13:14 — The profile of a woman in weight loss resistance — is this you? 15:35 — What you're probably doing that's keeping your body stuck 17:53 — The shitty thoughts keeping you in a cycle 18:16 — What diet culture taught you vs. what actually works in midlife 20:25 — The actual definition of weight loss resistance 22:45 — Why your body is more solvable than you think 23:50 — What's coming in Episode 183: the physical root causesRESOURCES:

Send us Fan MailWhat does the VVHG journey look like for a Six who has spent her career holding space for other people's fear?Wholehearted Enneagram: A Year Through the Types | Type 6 | Episode 3 of 4In this episode, Amy talks with Gwen Sledge, a Wholehearted Coach, former nurse, and Type Six who knows from the inside what it's like to be the steady, reliable, vigilant one... and what it costs. Gwen walks through the Victim, Villain, Hero, and Guide framework through a Six lens, drawing on her own story and her work coaching women who are ready to stop managing everything and start living from something deeper.This episode is especially for the nurses, caregivers, and first responders in this community; the Sixes who have given their vigilance to everyone else and are ready to find out what groundedness feels like for themselves.In this episode:The Six's loud inner committee and how it differs from the One's inner criticHow the three Six subtypes present differently: social, self-pres, and counter-phobicThe victim role: freezing, scenariating, and waiting for the second shoe to dropThe villain role: anxiety projected outward, resentment, and relinquishing responsibility, then resenting itWhat it looks like when a Six steps into the hero — trusting discernment, coming back to center"Lord, I trust you, but I don't trust me," and why that's still a trust problemThe guide role: holding space without gripping, and relinquishing an inflated sense of responsibilityThe lie most Sixes carry: "It's all up to me""Fear is not the boss of me" — the truth statement that counters itWhat those who love a Six most need to hear: don't dismiss usA special word for nurses and caregivers in the Six communityYou are braver than your fear. You don't have to scan the horizon alone.Calendar - Learn more/connect - mention podcast for a 25% discountEmail - gwen@enneagramwithgwen.com IG - @enneagramwithgwenFB - Enneagram with GwenLinkedIn - Gwen SledgeNewsletter - Stay in touch!Free Resources: 21 Verses of PeaceEnneagram at a GlanceNurses Enneagram Guide: Thriving at Work and BeyondBurnout QuizSupport the showRESOURCES FOR YOU:Join the Waitlist for 1:1 Coaching with Amy Wickshttps://www.simplywholehearted.com/callamywicksNot sure about your Enneagram Type? Start here: https://www.simplywholehearted.com/enneagramquizEnnea-what? The Beginners Guide to the Enneagram(free course + printables)https://bit.ly/Enneagram101GuideConnect with Amy:IGWebsite

Send us Fan MailWhat if your struggles with food have very little to do with food itself?In this powerful conversation, Cody sits down with food relationship coach, chef, and author Amber Caudle to explore the deeper emotional, psychological, and nervous system factors that drive our relationship with food.After decades of battling bingeing, restriction, food obsession, and body shame while building a successful career around food, Amber discovered that food was never the real problem. Instead, it was acting as a messenger—pointing toward unmet needs, chronic stress, emotional wounds, and a disconnection from self.  Together, Cody and Amber unpack why so many women feel trapped in cycles of emotional eating, perfectionism, and self-criticism, and how healing begins when we stop trying to control our bodies and start listening to them.This episode is a compassionate invitation to move beyond food rules and willpower and toward self-trust, nervous system regulation, and true nourishment.Whether you've struggled with dieting, emotional eating, body image, or simply feeling disconnected from yourself, this conversation offers hope, insight, and practical wisdom for finding peace with food—and with your body.⸻In This Episode, We Discuss:Why food is often the language of unmet needsThe hidden emotional drivers behind overeating and food obsessionHow stress and nervous system dysregulation influence eating behaviorsThe difference between physical hunger and emotional hungerWhy willpower is often not the problemThe connection between trauma, food, and body trustHow busyness and over-functioning impact our relationship with nourishmentWhy women often use food as a source of comfort, relief, and self-careThe downside of health perfectionism and wellness overwhelmAging, body image, and learning to trust your body in midlifeWhat food freedom actually looks likeHow to begin making peace with your bodyWhat women are truly hungry for beyond foodAbout Amber CaudleAmber Caudle is a food relationship coach, chef, nervous system healing practitioner, and founder of Nourish Your Power. Through her coaching work, she helps women heal their relationship with food by addressing the deeper emotional, behavioral, and nervous system patterns that often drive food struggles. Amber combines nutrition, eating psychology, somatic practices, and nervous system regulation to help women reconnect with their bodies and themselves.  She is also the author of Hungry: Reclaiming Food Freedom and Finding Peace in Your Body, a book that shares her personal journey from food obsession and self-abandonment to body trust and self-compassion.  Connect with AmberNourish Your Power Website⁠Amber on Instagram⁠Connect with CodyMixhers.com Use Code: Cody for 15% discount⁠Instagram: @codyjeansanders⁠If This Episode Resonated With You…Please subscribe, leave a review, and share this episode with a woman who may need the reminder that her body is not the enemy.Your body isn't broken. It may simply be asking to be heard. Did you learn something new today? Be sure to subscribe to this podcast and share this episode with all the girls you love. We would appreciate it if you'd also leave us a rating and review on iTunes.Want to join our Mixhers Girl community and keep this conversation going? We'd love to hear your thoughts, feelings and experiences! Join us HERE!Join Mixhers email list and be the first to have access to new products and be the girl in the know!Follow Cody Instagram:@codyjeansanders

In this episode of the Alcohol Minimalist podcast, Molly continues the series When Drinking Less Feels Hard, looking at the real-life challenges that make drinking less feel difficult through the lens of Alcohol Core Beliefs.This week's focus is the belief Alcohol Is My Reward—the thought that shows up at the end of a hard day, a long week, while cooking dinner, on vacation, or anytime alcohol feels like the treat you've earned for getting through something. Molly explores why this belief can feel so reasonable, how the brain learns to associate alcohol with reward and transition, and why drinking less can feel like deprivation when alcohol has become the main way you mark completion, rest, or pleasure.Before the episode, Molly also shares a reminder about Mostly Dry July-The Daily, which includes daily support, weekly group coaching calls, weekly brain boosts, and a private daily podcast to help you practice drinking less with peaceful mindfulness and without all-or-nothing thinking.  www.mollywatts.com/mostly-dry-july  In This EpisodeWhy alcohol can become tied to end-of-day and end-of-week ritualsHow the brain learns to predict alcohol as a rewardWhy “I deserve this” is often a clue, not a problemThe difference between true reward and coping in disguiseHow alcohol can represent completion, freedom, pleasure, or feeling like something is finally yoursWhy expanding your reward system is essential for drinking lessHow to use See, Soothe, Separate, and Shift with the belief Alcohol Is My RewardKey TakeawayYou deserve reward, pleasure, rest, and celebration. But alcohol may not be the reward you actually deserve.The reward you deserve is one that restores you, supports you, and helps you feel cared for in the moment and proud of yourself later.Listener PracticeChoose one reward-drinking moment: the end of the day, Friday night, cooking dinner, vacation, or after finishing something hard.Ask yourself:What am I trying to reward?What do I want this reward to give me?Will alcohol actually give me that, or is there another way to create it more honestly?Then practice creating one real reward before alcohol. It might be quiet, rest, movement, food, connection, or a nonalcoholic ritual.Resources MentionedMostly Dry July-The DailyAlcohol Core BeliefsSee, Soothe, Separate, ShiftAlcohol Minimalist Facebook groupLow risk drinking guidelines from the NIAAA:Healthy men under 65:No more than 4 drinks in one day and no more than 14 drinks per week.Healthy women (all ages) and healthy men 65 and older:No more than 3 drinks in one day and no more than 7 drinks per week.One drink is defined as 12 ounces of beer, 5 ounces of wine, or 1.5 ounces of 80-proof liquor. So remember that a mixed drink or full glass of wine are probably more than one drink.Abstinence from alcoholAbstinence from alcohol is the best choice for people who take medication(s) that interact with alcohol, have health conditions that could be exacerbated by alcohol (e.g. liver disease), are pregnant or may become pregnant or have had a problem with alcohol or another substance in the past.Benefits of “low-risk” drinkingFollowing these guidelines reduces the risk of health problems such as cancer, liver disease, reduced immunity, ulcers, sleep problems, complications of existing conditions, and more. It also reduces the risk of depression, social problems, and difficulties at school or work. ★ Support this podcast ★

We're halfway through the year.Six months are gone.The question is...How's your year actually going?Not how does it feel.Not how busy have you been.Not how stressed, overwhelmed, optimistic, frustrated, motivated, or exhausted you are.How is it actually going?In Episode 390 of The MindShare Podcast, David Greenspan challenges listeners to stop operating on feelings and start operating on facts.Because somewhere between January's goals, business plans, vision boards, and big ambitions... life happened.Clients needed things.The market did its thing.The economy did its thing.And many people quietly drifted away from the goals they set at the beginning of the year.This episode is a mid-year reality check designed to help you:evaluate your progress honestlyidentify what's actually workinguncover what's holding you backcreate momentum for the second half of the yearstop confusing knowing with doingand focus on the actions that actually move your business forward.David also dives into:why most people stop measuring progresshow success leaves cluesthe importance of studying your winsthe real challenges hiding beneath surface-level excuseswhy information isn't the problem anymorethe gap between knowing and doinggoal reviews, marketing reviews, and After Action Reviews (AARs)and how to finish the year stronger than you started it.Whether you're ahead of your goals, behind your goals, or honestly don't know where you stand right now...This episode will help you get clear, get honest, and get moving.What You'll LearnHow to accurately evaluate your progress at the halfway point of the yearWhy most people drift away from their goals without realizing itThe importance of studying your wins instead of simply celebrating themHow to identify the real challenges affecting your businessWhy information is no longer the problemThe gap between knowing and doingHow to stop getting stuck and start creating momentumThe importance of reviewing goals dailyHow to evaluate your marketing ROI and visibilityWhy every business owner should conduct an After Action Review (AAR)Practical steps to finish the year strongEpisode Breakdown[00:00] We're Already Halfway Through the YearWhy January goals often fadeFeelings versus factsThe question most people can't answer[07:00] Your Biggest WinSuccess leaves cluesWhy most people never study their successHow to create more wins by understanding what caused them[14:00] Your Biggest ChallengeGoing deeper than market conditionsConsistency, confidence, systems, discipline, and avoidanceWhy ignored problems rarely solve themselves[21:00] The Gap Between Knowing and DoingWhy information isn't the issue anymoreGoogle, YouTube, AI, and endless access to answersThe real reason people stay stuck[28:00] Commercial Break[30:00] One Thing to ImproveWhy trying to fix everything doesn't workIdentifying the one area that creates the biggest impactWhat changes next week?[38:00] Action Step #1: Review Your GoalsDaily goal review habitsStaying focused and avoiding driftAdjusting versus quitting[46:00] Action Step #2: Review Your MarketingVisibility and passive touchpointsMarketing budget reviewsMaximizing ROI and building MindShare[54:00] Action Step #3: Run an AARWhat worked?What didn't?What will you change?Learning from your own experience[59:00] The Second Half Starts NowSix months to change the trajectorySix months to create momentumWhy action always winsKey TakeawayMost people lack taking action.The second half of the year doesn't care how the first half went.It only cares what you do next!

What happens when one person sees your potential before you can see it yourself?Ashanti Branch sits down with Hasan Davis, educator, youth advocate, storyteller, and self-described "Hope Dealer," to explore the experiences that shaped his life and his commitment to young people. From childhood trauma and educational barriers to juvenile justice reform and national leadership, Hasan shares how a series of caring adults helped him discover possibilities beyond the circumstances he was born into.They discuss the power of belonging, the responsibility educators carry, and why behavior is often a reflection of survival rather than defiance. Hasan reflects on the teachers, mentors, and family members who refused to let his story end where others expected it to.Why behavior is often communication rather than a disciplinary problemThe importance of creating conditions where students feel they belongHow educators can hold students accountable without giving up on themWhy young people need adults who can see both their struggles and their potentialWhy relationships matter more than authority when building trust with young peopleThe impact of educators who create opportunities instead of barriersHow students often carry responsibilities and burdens that adults never seeWhy schools must address more than academics to support learningHow educators can avoid taking student behavior personallyWhy creating classroom agreements can help students develop ownership and accountabilityThe importance of helping young people imagine futures beyond their current circumstancesConnect with Hasan DavisWebsite: www.hasandavis.comLinkedin: ⁠https://www.linkedin.com/in/hasandavis/⁠ Youtube: ⁠https://www.youtube.com/@HasanDavisSolutions⁠ Connect with Ashanti BranchInstagram: https://www.instagram.com/branchspeaks/Facebook: https://www.facebook.com/BranchSpeaksX: https://x.com/BranchSpeaksLinkedIn: https://www.linkedin.com/in/ashantibranch/Website: https://www.branchspeaks.com/Support the Podcast & Ever Forward ClubHelp us continue creating spaces for young men to be seen, heard, and supported:https://podcasters.spotify.com/pod/show/branch-speaks/supportConnect with Ever Forward ClubInstagram: https://www.instagram.com/everforwardclubFacebook: https://www.facebook.com/everforwardclubX: https://x.com/everforwardclubLinkedIn: https://www.linkedin.com/company/the-ever-forward-club/ #UnMASKingWithMaleEducators #MaleEducators #MillionMaskMovement #EverForwardClub  #UnmaskingWithMaleEducators #EducationLeadership #StudentBelonging #TraumaInformedEducation #PowerOfHope #YouthDevelopment #SeeThePossibility

Yvonne Johnson left investment banking in New York to join the transformation team at First Bank of Nigeria. She spent eight years there, rising to Head of Strategy and Corporate Development - restructuring the operating model and building the bank's first digital finance strategy. When she left in 2018, she didn't start a lender. She co-founded Indicina, the API-driven credit infrastructure company that banks, digital lenders, and fintechs across Nigeria and Kenya now use to make faster, smarter credit decisions. This episode is a masterclass in building at the infrastructure layer - the rails, not the balance sheet.Key Topics Covered:Why she left Merrill Lynch to join First Bank - the deliberate career bet on institutional transformationWhat eight years inside Nigeria's largest retail bank taught her about stakeholder management and systemic changeThe founding decision: why Indicina was never going to be a lenderThe cost of capital argument: why banks will always win if you try to compete on balance sheetHow to sell to institutional clients with long procurement cycles and multiple sign-offsThe real friction in Africa's credit gap - it is not just a data problem, it is an accessibility problemThe opportunity cost problem: why banks choose government bonds over consumer loansWhat the next ten years looks like for African credit infrastructureWhat she would do differently - customer sequencing and the balance sheet question revisited

This episode is sponsored by Actabl. Learn more about its new product, Altitude, here. For years now, AI has promised hotel leaders something it hasn't delivered: the ability to ask a question and get an answer you can actually trust. Today, that changes with the launch of Actabl Altitude.In this episode, I sit down with Stephen German, Actabl's SVP of Product, to tell the story behind it. We get into why most AI answers fall apart the moment you check them, what it really takes to trust a number enough to hand it to your CFO, and why the foundation under the AI matters more than the AI itself.Stephen makes a distinction that reframes the whole conversation. Most AI is probabilistic, so ask the same question twice, and you can get two different answers. When you're dealing with forecasts and P&Ls, you need deterministic results, the same right answer every time, with logic underneath that knows the difference between your primary forecast and your locked one. That's the line between an interesting demo and a tool you can run a business on.We also talk about who this is really for. Above-property leaders, the regional VPs and COOs, have been underserved by hotel tech for a long time. Altitude lets them have a conversation with their data, follow the thread at the speed of thought, and dig into a problem without waiting days for three different teams to pull reports. It's the always-on AI analyst that hotel leaders have wanted and never had, until now.In this episode, you'll hear:Why you can't trust most AI outputs yet, and what it takes to fix thatThe CFO test: Would you hand this answer over and say, "I know all of this is right"?Why your data has to be normalized, and the apples-to-apples problemThe questions every leader should ask their technical team about AI reportingIntroducing Altitude and the problem it was built to solveA conversation with your data: following the thread without losing the plotWhy above-property leaders have been underserved, and why that ends hereThe data pyramid: spending less time finding answers and more time acting on themLearn more about Actabl Altitude here.Listen to prior episodes in this series:AI Only Works for Hotels in This Order: Data, Intelligence, Action - Stephen German, ActablWhy Our Approach to Hotel Data Earned a Patent and Prepares Hotels for AI - Clark Brayton, Joseph McGroarty & Pritesh Patel, ActablIs Your AI Saving You Time? (Jerimi Ford, Actabl) A few more resources:If you're new to Hospitality Daily, start here. You can send me a message here with questions, comments, or guest suggestionsIf you want to get my summary and actionable insights from each episode delivered to your inbox each day, subscribe here for free.Follow Hospitality Daily and join the conversation on YouTube, LinkedIn, and Instagram.If you want to advertise on Hospitality Daily, here are the ways we can work together.If you found this episode interesting or helpful, send it to someone on your team so you can turn the ideas into action and benefit your business and the people you serve!Music for this show is produced by Clay Bassford of Bespoke Sound: Music Identity Design for Hospitality Brands

The pod may have been a little off-schedule over the last month but that's for good reason because I'm trying out a new editorial approach to the show and its taken  more legwork to get to a point where I feel comfortable hitting publish. In May, I scheduled interviews with 8 different companies building AI solutions in logistics. The plan is upload each of those ~30 minute conversations that focus specifically on their product, who it's for and what to expect. Basically an approach of “here's everything I would ask if I was trying to understand and eventually/maybe purchase this software.” We also had some written submissions that I included in a written guide along with companies making moves but I personally didn't interview them for this topic .Because I want CargoRex to be a brand that is successful independent of me being the “voice” of it, I still, and likely will always  want to give my opinion and that home is naturally here. However I think the process needs to be refined where interviews go on one channel and editorial evolves in more narrative/topic based shows that include those interviews where it makes the most sense. I'll still share those interviews here but I think it's important that I drop an episode like this ahead of that to set the tone of how I'm thinking about X topic in logistics. During this new interview process and after learning the real work going into these different AI solutions, I put together a working theory on how the humanoids are already here. How?My theory is most of the public is waiting for the big ~societal crash into AI agents taking over everything~ that's turned into fear mongering. Companies simply over-hired, were run inefficiently, and the free money dried up. Businesses had to grow up, cut costs, and get lean. They blame “AI” but in reality, these companies just had bad processes and failed attempts to adopt AI solutions gave them a chance to blame a boogeyman.When you move past the noise and dig a little deeper you can see logistics is doing what it always does: improving that source to porch journey second by second. These solutions aren't promising the world on a silver platter, but they are committed to creating solutions for specific use cases that requires a human's expertise that is powered by information + insight to be creative with their problem solving. You can listen to the full interviews over on the CargoRex YouTube channel (links below) along with our in-depth Cargorex.io guide with all the companies interviewed, quoted, and featured.I'm really proud to hit publish on this new editorial direction and I hope you'll find value in it. In this episode:How autonomous trucks are filling routes drivers don't want, not replacing driversThe 3-hour report that now takes 15 seconds, and what analysts do with that timeWhy AI is the new boogeyman when bad data and worse processes are the real problemThe trust layer: audit logs, human-in-the-loop phases with defined endpoints, and why demos aren't deploymentsWhat nobody talks about: AI burnout, and what happens when every minute of your day becomes the hard stuffBuild vs. buy: $1.2 million in savings came from solving the right problems, not building everything from scratchToken management as an operational cost, and the Uber cautionary taleWatch this episode on YouTubeFind the full AI Use Cases in Logistics Guide over on the CargoRex website——————————————————Full Interviews available on the new CargoRex YouTube Channel: 1. Sarit Tamir — Founder & CEO, Seeteria "What Happens on Your Floor Between the Scans" Watch on YouTube: https://youtu.be/IiHVk8eOw0wLinkedIn: https://www.linkedin.com/in/sarittamir/ Site: https://seeteria.com2. Michelle McBride — Head of Product, Envoy AI "The Orchestration Layer Brokerages Have Been Missing" Watch: https://youtu.be/YGe5EZLoDYELinkedIn: https://www.linkedin.com/in/michelleposadas/ Site: https://tryenvoy.ai3. Tapan Chaudhari — Founder & CEO, Hey Bubba "Voice AI That Books Freight for Truckers 24/7" Watch: https://youtu.be/XeBVteEJDlwLinkedIn: https://www.linkedin.com/in/ctapan/ Site: https://bubba.ai4. Shawn McCarrick — CEO, Sifted "Why Big Savings Mean You Already Spent the Money" Watch: https://youtu.be/ZH6-40BxstgLinkedIn: https://www.linkedin.com/in/shawn-mccarrick-04719765/ Site: https://sifted.com5. Jett Chitanand — President, EPG Americas "AI That Cuts 13 Minutes Off Every Warehouse Delivery" Watch: https://youtu.be/_Q8aM16gn24LinkedIn: https://www.linkedin.com/in/jett-chitanand/ Site: https://epg.com6. Tom Curee — President, Qued "The One Thing You Actually Control on a Shipment" Watch: https://youtu.be/ymtR9BRvxekLinkedIn: https://www.linkedin.com/in/tomcuree/ Site: https://qued.com7. Tete Xiao — VP of Engineering and AI, Bot Auto "Driverless Trucks Are Already Hauling Freight in Texas" Watch: https://youtu.be/yWXQq_Fa9c0LinkedIn: https://www.linkedin.com/in/tete-xiao-ba2103120/ Site: https://bot.auto8. Nick Boston — VP of Sales, GoodShip "The Report That Took 3 Hours Now Takes 15 Seconds" Watch on YouTube: https://youtu.be/grzIjsDC1rsLinkedIn: https://www.linkedin.com/in/nickboston/ Site: https://goodship.io -----------------------------------------THANK YOU TO OUR SPONSORS!SPI Logistics has been a Day 1 supporter of this podcast which is why we're proud to promote them in every episode. During that time, we've gotten to know the team and their agents to confidently say they are the best home for freight agents in North America for 40 years and counting. Listen to past episodes to hear why.CargoRex is the search engine for the logistics industry—connecting LSPs with the right tools, services, events, and creators to explore, discover, and evolve.Digital Dispatch maximizes and manages your #1 sales tool with a website that establishes trust and builds rock-solid relationships with your leads and customers. 

You've increased estrogen.You've supported the gut.You've cleaned up the protocol.And… she's still dealing with dryness. recurrent UTIs., and discomfort that keeps coming back.At some point, it stops being a hormone conversation.When labs look “fine” and symptoms persist, adding more support doesn't fix the problem. It just exposes it.In this episode, Dr. Ritamarie sits down with Dr. Anna Cabeca to look at a pattern that gets missed in conventional and functional care: the vaginal microbiome.This is NOT a side topic but a primary driver.They walk through what happens when Lactobacillus balance is disrupted, why vaginal pH shifts matter more than most practitioners realize, and how these changes can create symptoms that look hormonal but don't respond to hormone-based approaches.You'll start to see why some cases don't resolve…and what to look at next when they don't.What's Inside This Episode?Normal estrogen… but persistent drynessWhy UTIs keep coming backWhen pH—not hormones—is the issueThe key Lactobacillus strains that matterHow antibiotics and HRT disrupt the ecosystemUrgency and leakage that aren't a bladder problemThe link to fertility, aging, and tissue healthWhy systemic protocols fail when the issue is localResources and LinksDownload the Full TranscriptDownload our FREE Metabolic Health Guide here. Join the Next-Level Health Practitioner Facebook group here for free resources and community supportVisit INEMethod.com for advanced health practitioner training and tools to elevate your clinical skills and grow your practice by getting life-changing results. Check out other podcast episodes hereDr Anna's Resources and LinksDr Anna's Website: https://drannacabeca.comCheck out Dr Anna's productsFind her on Social Media FacebookYouTube: The Girlfriend Doctor: TikTokPodcast Labs & Testing Mentioned in This EpisodeThese tools go beyond traditional testing (HPV, chlamydia, gonorrhea, trichomonas) and help assess overall vaginal microbiome balance, including beneficial Lactobacillus species.MDL (Medical Diagnostic Laboratories) - Vaginal testing that includes both pathogenic organisms and beneficial bacteriaBiomeFX Vaginal Microbiome Kit - Advanced microbiome analysis to assess vaginal bacterial balanceTiny Health Vaginal Microbiome Test - At-home testing option for evaluating vaginal microbial healthGuest BioAnna Cabeca, DO, OBGYN, FACOG, is best selling author of The Hormone Fix and Keto-Green 16 and MenuPause. Dr. Anna is triple-board certified and a fellow of gynecology and obstetrics, integrative medicine, and anti-aging and regenerative medicine. She holds special certifications in functional medicine, sexual health, and bioidentical hormone replacement therapy. She lectures frequently on those topics and shares the secret behind the ebb and flow of intimacy as she demystifies the fascinating hormonal changes over time. She will help you discover how the “love hormone”, Oxytocin can breathe life into your relationship, and how Cortisol can take it away - and how the delicate balancing act of those hormones can reignite your libido and support a healthy relationship, most importantly the one you have with yourself.She is sassy, blunt, speaks from the heart and has a wonderful sense of humor, and this is why we call her The Girlfriend Doctor, because everyone needs a friend like her! She has personally developed natural products to help women balance hormones and thrive through menopause including the highly acclaimed Julva® cream for the vulva and MightyMaca® Plus, a powerful superfood blend. She lives in Dallas with her daughters, horses and dogs.

This one is for the nurses, teachers, social workers, and every high-achieving woman who chose a helping career because she genuinely loves it — and is now quietly wondering how much longer she can keep going. In this episode Audrey gets real about what's actually happening in your nervous system during those long shifts, why 34% of new nurses are leaving the bedside within their first year, and the surprisingly simple thing you can start doing today to protect the career you worked so hard to build.In this episode you'll learn:Why high-achieving helpers are the most vulnerable to sympathetic overdrive — and what that's actually doing to your bodyWhat sympathetic overdrive is and why your nervous system gets stuck there without you even realizing itWhy burnout in nursing, teaching, and social work isn't a personal failure — it's a system problemThe real reason 34% of new nurses leave the bedside within one year — and how to make sure you're not one of them✨✨ RISE Tribe - Next Steps✨✨For All the Things:  www.helloaudreyrose.com/linkinbio FREE Virtual Happiness Summit: https://www.helloaudreyrose.com/risesummitFREE 7 day Nervous System Reset Group - get daily nervous system reset practices in just 10 min a day, with Audrey as your guide https://www.helloaudreyrose.com/7days Nervous System Reset Training (Free): www.helloaudreyrose.com/reset Happiness Bundle - www.helloaudreyrose.com/happiness 

You're two, three, maybe five years into practice. Your patients get results. Your reviews are solid. And yet — the schedule fills and empties in waves, the income plateaus, and you can't figure out why working harder isn't moving the needle.Here's what nobody told you in your DPT program: growth isn't a clinical problem. It's a structural one. And most pelvic health providers spend years trying to out-skill a business problem they were never trained to see.In this episode, Kelly breaks down the real reasons pelvic practices plateau — the referral trap that keeps you dependent on other providers, the pricing structure silently capping your income, and the positioning gap that makes your practice invisible to the exact patients you built it for.This isn't about working harder or adding more certifications. It's about the four structural bottlenecks that separate the practices growing past $20K months from the ones stuck in the feast-and-famine cycle — and the diagnostic Kelly uses with PelviBiz clients to find the break in under 20 minutes.By the end of this episode, you'll know exactly which bottleneck is holding your practice back — and what to fix first.KEY TAKEAWAYSDoing good clinical work is not a growth strategy — referral dependency, pricing, and positioning are business problems that require business solutionsA practice that fills and empties in waves has a structural problem, not a marketing problemThe diagnostic question every plateaued pelvic PT needs to answer before adding more con-ed, more services, or more hours

Join the Guildwww.imnotquitting.com You've lost the weight before. Maybe more than once. And every time, it comes back. You've decided the answer is a better diet, more discipline, or finally finding the right plan.I'm here to tell you it's none of those things. You've been running the wrong number of plans.In this episode, I lay out the core philosophy behind my entire approach to sustainable weight loss: you don't need one plan, you need two. One to lose the weight. One to build the life that keeps it off. The diet was never going to fix it on its own — it was only ever going to fix half of it.We get into why those two plans run on completely different physics, why discipline works on one and fails on the other, and the relay-race metaphor that explains why so many people sprint to their goal weight only to gain it all back. I also walk you through the six structural components of the lifestyle plan that most weight loss programs never even mention.If you've been losing the same thirty pounds for years, this episode is going to reframe what you've been doing — and why it keeps not working.In this episode:Why most weight loss plans only solve half the problemThe difference between a weight loss plan and a lifestyle change planWhy one is finite and the other runs for the rest of your lifeThe “different physics” of brute force vs. structural changeThe relay-race handoff that determines whether the result lastsThe snap-your-fingers question that exposes the real problemThe six components of the lifestyle that quietly drove the weight gainWhy running both plans together, with weight loss turned down a notch, is what actually works

"I finally realized I was not paying for a service. I was paying for hope. And hope is not a business strategy."Welcome back to The Speaker Lab Podcast! Fair warning — host Dan Irvin is ruffling some feathers in this one. In this solo episode, he takes on one of the most common "shortcuts" speakers chase: the speaker bureau.Dan has personally signed up with about a dozen of them. Paid the fees, built the profiles, sent the demo reels, connected with the reps. Total paid gigs booked across all of them? Zero. Meanwhile, he's doing 40+ events a year using the exact process he teaches at The Speaker Lab. So either he's unbookable — or something about the bureau model is broken. In this episode, he breaks down exactly what bureaus are actually selling, who they actually work for, and what to do instead.You'll hear about:Why the bureau pitch is so appealing — and why it almost never delivers what it promisesThe difference between a booking machine and a listing service (most bureaus are the second one)The four things bureaus won't help you with: positioning, marketing assets, coaching, and actual speaking experienceWhy the speakers who get booked through bureaus are almost always speakers who were already booking themselvesThe bureau is an amplifier, not an engine — and why most speakers have the order completely backwardsDan's personal nine-month bureau experiment: paid the fee, sent everything, got zero leads — and a vague email when he finally asked what they'd done with his profileThe story of a woman who signed with three bureaus, paid onboarding fees, and started wondering if she was even cut out for speaking (she was — the system was the problem)Why the bureau model quietly destroys speaker confidence by making you think you're the problemThe three things that actually get speakers booked: owning your system, working with guides who are in the trenches, and building the wraparound infrastructureWhy the talk is only 15% of the equation — and how bureaus won't touch the other 85%And much, much more!"Stop renting somebody else's process. Build your own. That is where the freedom is. That is where the income is. That is where the calendar full of gigs you actually want comes from."Tried a bureau and hit a wall? It's not you — it's the model. Grab a free 15-minute Speaker Business Assessment at thespeakerlab.com/SBA and talk with someone who's actively getting booked and paid right now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, I'm pulling back the curtain on something I think a lot of entrepreneurs are silently struggling with right now: burnout that doesn't come from lack of ambition… but from lack of infrastructure.We live in a world where information is everywhere. AI can generate content, strategies, scripts, videos, and ideas in seconds. So the question is no longer, “Do you know what to do?” The real question is: can your business actually support the growth you're chasing?After hosting our first Access Collective dinner experience in Scottsdale, I left thinking deeply about proximity, alignment, leadership, and the kind of businesses entrepreneurs truly want to build moving forward. Because behind the polished brands and social media highlights, so many business owners are overwhelmed, mentally overloaded, and stuck in reactive mode.In this episode, I share my honest thoughts on the shifting landscape of business, coaching, content, AI, and why I believe the future belongs to entrepreneurs who prioritize simplicity, systems, human connection, and sustainable growth.If you've been feeling overwhelmed by constant change, exhausted from trying to keep up, or questioning what actually matters anymore in business… this conversation is for you.Things I Cover In This Episode:Why burnout is often an infrastructure problem not a motivation problemThe hidden cost of running your business from your headHow AI is changing coaching, marketing, and entrepreneurship in real timeWhy more information is no longer the answerThe pressure entrepreneurs feel trying to keep up with content trendsWhat people actually crave right now: depth, trust, perspective, and connectionWhy simplicity is becoming the new luxury in businessThe shift from building louder businesses to building smarter businessesQuestions every entrepreneur should be asking in this season of growthIf this episode spoke to you, share it with another entrepreneur who needs this reminder and don't forget to follow the Play Bigger Podcast so you never miss an episode. ---

Prices are up. Budgets are tighter. And people are making some surprising choices about what stays and what goes. The woman skipping the new laptop and the graduation dress is still booked for a Disney cruise, a Bruno Mars concert, and a trip to Lake Erie. It turns out inflation doesn't just squeeze your wallet -- it forces a conversation about what you actually value. Joe, OG, Paula Pant, and Doc G dig into where people are drawing the line, why experiences outlast stuff in the happiness research, and what each of them refuses to give up no matter what.What You'll Walk Away WithWhy people cut the easy stuff first -- and why that strategy relieves anxiety without actually solving the budget problemThe research behind experiences vs. stuff: why the memory of a trip gets rosier over time while objects depreciate in more ways than oneDoc G's spending happiness continuum -- from stuff to experiences to becoming a better version of yourself, and why the last one costs the leastWhy OG's DoorDash experiment was a two out of ten in year-to-date success -- and why four people pulling the rudder in the other direction mattersThe "build from zero" budget reframe that feels more empowering than cutting from the top downOne roundtable member's rule that nothing is ever truly off the table when cash gets tight -- including the house and the private schoolWhat each panelist will never go cheap on -- and one answer involving prescription medications that lands differently than you'd expectThe expenses that are dead to each of them -- and where Joe, OG, Paula, and Doc G land on first class flights and DoorDashWhy the client who cut all Christmas spending had the best holiday season of their lifePapa John's quarterly earnings data that tells you exactly how inflation is changing behavior at the menu levelWhy This Matters NowIf you're in your 40s and you've started quietly trimming things -- streaming services, delivery apps, clothing budgets -- but haven't touched the bigger stuff, this episode names what's actually happening. The question isn't whether to cut. It's whether the things you're cutting are the ones that matter least. That's a values conversation, not a math conversation, and this roundtable is one of the better ones the basement has had.From the BasementJoe, OG, Paula Pant, and Doc G dig into a Wall Street Journal piece on how Americans are changing their spending habits -- and the conversation quickly becomes about what money is actually for. OG reports that his attempt to eliminate DoorDash from the family budget has been going poorly. Doc G went to Bali in coach. The year-long trivia competition takes a dramatic turn as OG's precise mathematical reasoning leads everyone to the wrong answer -- and Doc G wins by going lower. Johnny Carson's guest host strategy turns out to be the missing variable nobody accounted for.Resources MentionedWall Street Journal -- "Where Americans Are Drawing the Line on Price Increases" by Rachel Wolff; linked at stackingbenjamins.comAfford Anything podcast -- Paula Pant; Joe joins most Tuesdays for listener Q&AEarn and Invest podcast -- Doc G (Jordan Grumet); recent episode with Carrie Jorn Grimes on The Joy of MoneyStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.