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IWhat is our children's future? What skills should they be developing? How should schools be adapting? What will the fully functioning citizens and workers of the future look like? A look into the landscape of the next 15 years, the future of work with human and AI interactions, the transformation of education, the safety and privacy landscapes, and a parental playbook. Navigation: Intro The Landscape: 2026–2040 The Future of Work: Human + AI The Transformation of Education The Ethics, Safety, and Privacy Landscape The Parental Playbook: Actionable Strategies Conclusion Our co-hosts: Bertrand Schmitt, Entrepreneur in Residence at Red River West, co-founder of App Annie / Data.ai, business angel, advisor to startups and VC funds, @bschmitt Nuno Goncalves Pedro, Investor, Managing Partner, Founder at Chamaeleon, @ngpedro Our show: Tech DECIPHERED brings you the Entrepreneur and Investor views on Big Tech, VC and Start-up news, opinion pieces and research. We decipher their meaning, and add inside knowledge and context. Being nerds, we also discuss the latest gadgets and pop culture news Subscribe To Our Podcast Bertrand SchmittIntroduction Welcome to Episode 72 of Tech Deciphered, about our children’s future. What is our children’s future? What skills should they be developing? How should school be adapting to AI? What would be the functioning citizens and workers of the future look like, especially in the context of the AI revolution? Nuno, what’s your take? Maybe we start with the landscape. Nuno Goncalves PedroThe Landscape: 2026–2040 Let’s first frame it. What do people think is going to happen? Firstly, that there’s going to be a dramatic increase in productivity, and because of that dramatic increase in productivity, there are a lot of numbers that show that there’s going to be… AI will enable some labour productivity growth of 0.1 to 0.6% through 2040, which would be a figure that would be potentially rising even more depending on use of other technologies beyond generative AI, as much as 0.5 to 3.4% points annually, which would be ridiculous in terms of productivity enhancement. To be clear, we haven’t seen it yet. But if there are those dramatic increases in productivity expected by the market, then there will be job displacement. There will be people losing their jobs. There will be people that will need to be reskilled, and there will be a big shift that is similar to what happens when there’s a significant industrial revolution, like the Industrial Revolution of the late 19th century into the 20th century. Other numbers quoted would say that 30% of US jobs could be automated by 2030, which is a silly number, 30%, and that another 60% would see tremendously being altered. A lot of their tasks would be altered for those jobs. There’s also views that this is obviously fundamentally a global phenomenon, that as much as 9% of jobs could be lost to AI by 2030. I think question mark if this is a net number or a gross number, so it might be 9% our loss, but then maybe there’re other jobs that will emerge. It’s very clear that the landscape we have ahead of us is if there are any significant increases in productivity, there will be job displacement. There will be job shifting. There will be the need for reskilling. Therefore, I think on the downside, you would say there’s going to be job losses. We’ll have to reevaluate whether people should still work in general 5 days a week or not. Will we actually work in 10, 20, 30 years? I think that’s the doomsday scenario and what happens on that side of the fence. I think on the positive side, there’s also a discussion around there’ll be new jobs that emerge. There’ll be new jobs that maybe we don’t understand today, new job descriptions that actually don’t even exist yet that will emerge out this brave new world of AI. Bertrand SchmittYeah. I mean, let’s not forget how we get to a growing economy. I mean, there’s a measurement of a growing economy is GDP growth. Typically, you can simplify in two elements. One is the growth of the labour force, two, the rise of the productivity of that labour force, and that’s about it. Either you grow the economy by increasing the number of people, which in most of the Western world is not really happening, or you increase productivity. I think that we should not forget that growth of productivity is a backbone of growth for our economies, and that has been what has enabled the rise in prosperity across countries. I always take that as a win, personally. That growth in productivity has happened over the past decades through all the technological revolutions, from more efficient factories to oil and gas to computers, to network computers, to internet, to mobile and all the improvement in science, usually on the back of technological improvement. Personally, I welcome any rise in improvement we can get in productivity because there is at this stage simply no other choice for a growing world in terms of growing prosperity. In terms of change, we can already have a look at the past. There are so many jobs today you could not imagine they would exist 30 years ago. Take the rise of the influencer, for instance, who could have imagined that 30 years ago. Take the rise of the small mom-and-pop e-commerce owner, who could have imagined that. Of course, all the rise of IT as a profession. I mean, how few of us were there 30 years ago compared to today. I mean, this is what it was 30 years ago. I think there is a lot of change that already happened. I think as a society, we need to welcome that. If we go back even longer, 100 years ago, 150 years ago, let’s not forget, if I take a city like Paris, we used to have tens of thousands of people transporting water manually. Before we have running water in every home, we used to have boats going to the North Pole or to the northern region to bring back ice and basically pushing ice all the way to the Western world because we didn’t have fridges at the time. I think that when we look back in time about all the jobs that got displaced, I would say, Thank you. Thank you because these were not such easy jobs. Change is coming, but change is part of the human equation, at least. Industrial revolution, the past 250 years, it’s thanks to that that we have some improvement in living conditions everywhere. AI is changing stuff, but change is a constant, and we need to adapt and adjust. At least on my side, I’m glad that AI will be able to displace some jobs that were not so interesting to do in the first place in many situations. Maybe not dangerous like in the past because we are talking about replacing white job collars, but at least repetitive jobs are definitely going to be on the chopping block. Nuno Goncalves PedroWhat happens in terms of shift? We were talking about some numbers earlier. The World Economic Forum also has some numbers that predicts that there is a gross job creation rate of 14% from 2025 to 2030 and a displacement rate of 8%, so I guess they’re being optimistic, so a net growth in employment. I think that optimism relates to this thesis that, for example, efficiency, in particular in production and industrial environments, et cetera, might reduce labour there while increasing the demand for labour elsewhere because there is a natural lower cost base. If there’s more automation in production, therefore there’s more disposable income for people to do other things and to focus more on their side activities. Maybe, as I said before, not work 5 days a week, but maybe work four or three or whatever it is. What are the jobs of the future? What are the jobs that we see increasing in the future? Obviously, there’re a lot of jobs that relate to the technology side, that relate obviously to AI, that’s a little bit self-serving, and everything that relates to information technology, computer science, computer technology, computer engineering, et cetera. More broadly in electrical engineering, mechanical engineering, that might actually be more needed. Because there is a broadening of all of these elements of contact with digital, with AI over time also with robots and robotics, that those jobs will increase. There’s a thesis that actually other jobs that are a little bit more related to agriculture, education, et cetera, might not see a dramatic impact, that will still need for, I guess, teachers and the need for people working in farms, et cetera. I think this assumes that probably the AI revolution will come much before the fundamental evolution that will come from robotics afterwards. Then there’s obviously this discussion around declining roles. Anything that’s fundamentally routine, like data entry, clinical roles, paralegals, for example, routine manufacturing, anything that’s very repetitive in nature will be taken away. I have the personal thesis that there are jobs that are actually very blue-collar jobs, like HVAC installation, maintenance, et cetera, plumbing, that will be still done by humans for a very long time because there are actually, they appear to be repetitive, but they’re actually complex, and they require manual labour that cannot be easily, I think, right now done by robots and replacements of humans. Actually, I think there’re blue-collar roles that will be on the increase rather than on decrease that will demand a premium, because obviously, they are apprenticeship roles, certification roles, and that will demand a premium. Maybe we’re at the two ends. There’s an end that is very technologically driven of jobs that will need to necessarily increase, and there’s at the other end, jobs that are very menial but necessarily need to be done by humans, and therefore will also command a premium on the other end. Bertrand SchmittI think what you say make a lot of sense. If you think about AI as a stack, my guess is that for the foreseeable future, on the whole stack, and when I say stack, I mean from basic energy production because we need a lot of energy for AI, maybe to going up to all the computing infrastructure, to AI models, to AI training, to robotics. All this stack, we see an increase in expertise in workers and everything. Even if a lot of this work will benefit from AI improvement, the boom is so large that it will bring a lot of demand for anyone working on any part of the stack. Some of it is definitely blue-collar. When you have to build a data centre or energy power station, this requires a lot of blue-collar work. I would say, personally, I’m absolutely not a believer of the 3 or 4 days a week work week. I don’t believe a single second in that socialist paradise. If you want to call it that way. I think that’s not going to change. I would say today we can already see that breaking. I mean, if you take Europe, most European countries have a big issue with pension. The question is more to increase how long you are going to work because financially speaking, the equation is not there. Personally, I don’t think AI would change any of that. I agree with you in terms of some jobs from electricians to gas piping and stuff. There will still be demand and robots are not going to help soon on this job. There will be a big divergence between and all those that can be automated, done by AI and robots and becoming cheaper and cheaper and stuff that requires a lot of human work, manual work. I don’t know if it will become more expensive, but definitely, proportionally, in comparison, we look so expensive that you will have second thoughts about doing that investment to add this, to add that. I can see that when you have your own home, so many costs, some cost our product. You buy this new product, you add it to your home. It can be a water heater or something, built in a factory, relatively cheap. You see the installation cost, the maintenance cost. It’s many times the cost of the product itself. Nuno Goncalves PedroMaybe it’s a good time to put a caveat into our conversation. I mean, there’s a… Roy Amara was a futurist who came up with the Amara’s Law. We tend to overestimate the effect of a technology in the short run and overestimate the effect in the long run. I prefer my own law, which is, we tend to overestimate the speed at which we get to a technological revolution and underestimate its impact. I think it’s a little bit like that. I think everyone now is like, “Oh, my God, we’re going to be having the AI overlords taking over us, and AGI is going to happen pretty quickly,” and all of that. I mean, AGI will probably happen at some point. We’re not really sure when. I don’t think anyone can tell you. I mean, there’re obviously a lot of ranges going on. Back to your point, for example, on the shift of the work week and how we work. I mean, just to be very clear, we didn’t use to have 5 days a week and 2 days a weekend. If we go back to religions, there was definitely Sabbath back in the day, and there was one day off, the day of the Lord and the day of God. Then we went to 2 days of weekend. I remember going to Korea back in 2005, and I think Korea shifted officially to 5 days a week, working week and 2 days weekend for some of the larger business, et cetera, in 2004. Actually, it took another whatever years for it to be pervasive in society. This is South Korea, so this is a developed market. We might be at some point moving to 4 days a week. Maybe France was ahead of the game. I know Bertrand doesn’t like this, the 35-hour week. Maybe we will have another shift in what defines the working week versus not. What defines what people need to do in terms of efficiency and how they work and all of that. I think it’s probably just going to take longer than we think. I think there’re some countries already doing it. I was reading maybe Finland was already thinking about moving to 4 days a week. There’re a couple of countries already working on it. Certainly, there’re companies already doing it as well. Bertrand SchmittYeah, I don’t know. I’m just looking at the financial equation of most countries. The disaster is so big in Western Europe, in the US. So much debt is out that needs to get paid that I don’t think any country today, unless there is a complete reversal of the finance, will be able to make a big change. You could argue maybe if we are in such a situation, it might be because we went too far in benefits, in vacation, in work days versus weekends. I’m not saying we should roll back, but I feel that at this stage, the proof is in the pudding. The finance of most developed countries are broken, so I don’t see a change coming up. Potentially, the other way around, people leaving to work more, unfortunately. We will see. My point is that AI will have to be so transformational for the productivity for countries, and countries will have to go back to finding their ways in terms of financial discipline to reach a level where we can truly profit from that. I think from my perspective, we have time to think about it in 10, 20 years. Right now, it’s BS at this stage of this discussion. Nuno Goncalves PedroYeah, there’s a dependency, Bertrand, which is there needs to be dramatic increases in productivity that need to happen that create an expansion of economy. Once that expansion is captured by, let’s say, government or let’s say by the state, it needs to be willingly fed back into society, which is not a given. There’re some governments who are going to be like, “No, you need to work for a living.” Tough luck. There’re no handouts, there’s nothing. There’s going to be other governments that will be pressured as well. I mean, even in a more socialist Europe, so to speak. There’re now a lot of pressures from very far-right, even extreme positions on what people need to do for a living and how much should the state actually intervene in terms of minimum salaries, et cetera, and social security. To your point, the economies are not doing well in and of themselves. Anyway, there would need to be tremendous expansion of economy and willingness by the state to give back to its citizens, which is also not a given. Bertrand SchmittAnd good financial discipline as well. Before we reach all these three. Reaping the benefits in a tremendous way, way above trend line, good financial discipline, and then some willingness to send back. I mean, we can talk about a dream. I think that some of this discussion was, in some ways, to have a discussion so early about this. It’s like, let’s start to talk about the benefits of the aeroplane industries in 1915 or 1910, a few years after the Wright brothers flight, and let’s make a decision based on what the world will be in 30 years from now when we reap this benefit. This is just not reasonable. This is not reasonable thinking. I remember seeing companies from OpenAI and others trying to push this narrative. It was just political agenda. It was nothing else. It was, “Let’s try to make look like AI so nice and great in the future, so you don’t complain on the short term about what’s happening.” I don’t think this is a good discussion to have for now. Let’s be realistic. Nuno Goncalves PedroJust for the sake of sharing it with our listeners, apparently there’re a couple of countries that have moved towards something a bit lower than 5 days a week. Belgium, I think, has legislated the ability for you to compress your work week into 4 days, where you could do 10 hours for 4 days, so 40 hours. UAE has some policy for government workers, 4.5 days. Iceland has some stuff around 35 to 36 hours, which is France has had that 35 hour thing. Lithuania for parents. Then just trials, it’s all over the shop. United Kingdom, my own Portugal, of course, Germany, Brazil, and South Africa, and a bunch of other countries, so interesting. There’s stuff going on. Bertrand SchmittFor sure. I mean, France managed to bankrupt itself playing the 75 hours work week since what, 2000 or something. I mean, yeah, it’s a choice of financial suicide, I would say. Nuno Goncalves PedroWonderful. The Future of Work: Human + AI Maybe moving a little bit towards the future of work and the coexistence of work of human and AI, I think the thesis that exists a little bit in the market is that the more positive thesis that leads to net employment growth and net employment creation, as we were saying, there’s shifting of professions, they’re rescaling, and there’s the new professions that will emerge, is the notion that human will need to continue working alongside with machine. I’m talking about robots, I’m also talking about software. Basically software can’t just always run on its own, and therefore, software serves as a layer of augmentation, that humans become augmented by AI, and therefore, they can be a lot more productive, and we can be a lot more productive. All of that would actually lead to a world where the efficiencies and the economic creation are incredible. We’ll have an unparalleled industrial evolution in our hands through AI. That’s one way of looking at it. We certainly at Chameleon, that’s how we think through AI and the AI layers that we’re creating with Mantis, which is our in-house platform at Chameleon, is that it’s augmenting us. Obviously, the human is still running the show at the end, making the toughest decisions, the more significant impact with entrepreneurs that we back, et cetera. AI augments us, but we run the show. Bertrand SchmittI totally agree with that perspective that first AI will bring a new approach, a human plus AI. Here in that situation, you really have two situations. Are you a knowledgeable user? Do you know your field well? Are you an expert? Are you an IT expert? Are you a medical doctor? Do you find your best way to optimise your work with AI? Are you knowledgeable enough to understand and challenge AI when you see weird output? You have to be knowledgeable in your field, but also knowledgeable in how to handle AI, because even experts might say, “Whatever AI says.” My guess is that will be the users that will benefit most from AI. Novice, I think, are in a bit tougher situation because if you use AI without truly understanding it, it’s like laying foundations on sand. Your stuff might crumble down the way, and you will have no clue what’s happening. Hopefully, you don’t put anyone in physical danger, but that’s more worrisome to me. I think some people will talk about the rise of vibe coding, for instance. I’ve seen AI so useful to improve coding in so many ways, but personally, I don’t think vibe coding is helpful. I mean, beyond doing a quick prototype or some stuff, but to put some serious foundation, I think it’s near useless if you have a pure vibe coding approach, obviously to each their own. I think the other piece of the puzzle, it’s not just to look at human plus AI. I think definitely there will be the other side as well, which is pure AI. Pure AI replacement. I think we start to see that with autonomous cars. We are close to be there. Here we’ll be in situation of maybe there is some remote control by some humans, maybe there is local control. We are talking about a huge scale replacement of some human activities. I think in some situation, let’s talk about work farms, for instance. That’s quite a special term, but basically is to describe work that is very repetitive in nature, requires a lot of humans. Today, if you do a loan approval, if you do an insurance claim analysis, you have hundreds, thousands, millions of people who are doing this job in Europe, in the US, or remotely outsourced to other countries like India. I think some of these jobs are fully at risk to be replaced. Would it be 100% replacement? Probably not. But a 9:1, 10:1 replacement? I think it’s definitely possible because these jobs have been designed, by the way, to be repetitive, to follow some very clear set of rules, to improve the rules, to remove any doubt if you are not sure. I think some of these jobs will be transformed significantly. I think we see two sides. People will become more efficient controlling an AI, being able to do the job of two people at once. On the other side, we see people who have much less control about their life, basically, and whose job will simply disappear. Nuno Goncalves PedroTwo points I would like to make. The first point is we’re talking about a state of AI that we got here, and we mentioned this in previous episodes of Tech Deciphered, through brute force, dramatically increased data availability, a lot of compute, lower network latencies, and all of that that has led us to where we are today. But it’s brute force. The key thing here is brute force. Therefore, when AI acts really well, it acts well through brute force, through seeing a bunch of things that have happened before. For example, in the case of coding, it might still outperform many humans in coding in many different scenarios, but it might miss hedge cases. It might actually not be as perfect and as great as one of these developers that has been doing it for decades who has this intuition and is a 10X developer. In some ways, I think what got us here is not maybe what’s going to get us to the next level of productivity as well, which is the unsupervised learning piece, the actually no learning piece, where you go into the world and figure stuff out. That world is emerging now, but it’s still not there in terms of AI algorithms and what’s happening. Again, a lot of what we’re seeing today is the outcome of the brute force movement that we’ve had over the last decade, decade and a half. The second point I’d like to make is to your point, Bertrand, you were going really well through, okay, if you’re a super experienced subject-matter expert, the way you can use AI is like, wow! Right? I mean, you are much more efficient, right? I was asked to do a presentation recently. When I do things in public, I don’t like to do it. If it’s a keynote, because I like to use my package stuff, there’s like six, seven presentations that I have prepackaged, and I can adapt around that. But if it’s a totally new thing, I don’t like to do it as a keynote because it requires a lot of preparation. Therefore, I’m like, I prefer to do a fire set chat or a panel or whatever. I got asked to do something, a little bit what is taking us to this topic today around what’s happening to our children and all of that is like, “God! I need to develop this from scratch.” The honest truth is if you have domain expertise around many areas, you can do it very quickly with the aid of different tools in AI. Anything from Gemini, even with Nana Banana, to ChatGPT and other tools that are out there for you and framing, how would you do that? But the problem then exists with people that are just at the beginning of their careers, people that have very little expertise and experience, and people that are maybe coming out of college where their knowledge is mostly theoretical. What happens to those people? Even in computer engineering, even in computer science, even in software development, how do those people get to the next level? I think that’s one of the interesting conversations to be had. What happens to the recent graduate or the recent undergrad? How do those people get the expertise they need to go to the next level? Can they just be replaced by AI agents today? What’s their role in terms of the workforce, and how do they fit into that workforce? Bertrand SchmittNo, I mean, that’s definitely the biggest question. I think that a lot of positions, if you are really knowledgeable, good at your job, if you are that 10X developer, I don’t think your job is at risk. Overall, you always have some exceptions, some companies going through tough times, but I don’t think it’s an issue. On the other end, that’s for sure, the recent new graduates will face some more trouble to learn on their own, start their career, and go to that 10X productivity level. But at the same time, let’s also not kid ourselves. If we take software development, this is a profession that increase in number of graduates tremendously over the past 30 years. I don’t think everyone basically has the talent to really make it. Now that you have AI, for sure, the bar to justify why you should be there, why you should join this company is getting higher and higher. Being just okay won’t be enough to get you a career in IT. You will need to show that you are great or potential to be great. That might make things tough for some jobs. At the same time, I certainly believe there will be new opportunities that were not there before. People will have to definitely adjust to that new reality, learn and understand what’s going on, what are the options, and also try to be very early on, very confident at using AI as much as they can because for sure, companies are going to only hire workers that have shown their capacity to work well with AI. Nuno Goncalves PedroMy belief is that it generates new opportunities for recent undergrads, et cetera, of building their own microbusinesses or nano businesses. To your point, maybe getting jobs because they’ll be forced to move faster within their jobs and do less menial and repetitive activities and be more focused on actual dramatic intellectual activities immediately from the get go, which is not a bad thing. Their acceleration into knowledge will be even faster. I don’t know. It feels to me maybe there’s a positivity to it. Obviously, if you’ve stayed in a big school, et cetera, that there will be some positivity coming out of that. The Transformation of Education Maybe this is a good segue to education. How does education change to adapt to a new world where AI is a given? It’s not like I can check if you’re faking it on your homework or if you’re doing a remote examination or whatever, if you’re using or not tools, it’s like you’re going to use these tools. What happens in that case, and how does education need to shift in this brave new world of AI augmentation and AI enhancements to students? Bertrand SchmittYes, I agree with you. There will be new opportunities. I think people need to be adaptable. What used to be an absolute perfect career choice might not be anymore. You need to learn what changes are happening in the industry, and you need to adjust to that, especially if you’re a new graduate. Nuno Goncalves PedroMaybe we’ll talk a little bit about education, Bertrand, and how education would fundamentally shift. I think one of the things that’s been really discussed is what are the core skills that need to be developed? What are the core skills that will be important in the future? I think critical thinking is probably most important than ever. The ability to actually assimilate information and discern which information is correct or incorrect and which information can lead you to a conclusion or not, for example, I think is more important than ever. The ability to assimilate a bunch of pieces of information, make a decision or have an insight or foresight out of that information is very, very critical. The ability to be analytical around how you look at information and to really distinguish what’s fact from what’s opinion, I think is probably quite important. Maybe moving away more and more from memorisation from just cramming information into your brain like we used to do it in college, you have to know every single algorithm for whatever. It’s like, “Who gives a shit? I can just go and search it.” There’s these shifts that are not simple because I think education, in particular in the last century, has maybe been too focused on knowing more and more knowledge, on learning this knowledge. Now it’s more about learning how to process the knowledge rather than learning how to apprehend it. Because the apprehension doesn’t matter as much because you can have this information at any point in time. The information is available to you at the touch of a finger or voice or whatever. But the ability to then use the information to do something with it is not. That’s maybe where you start distinguishing the different level degrees of education and how things are taught. Bertrand SchmittHonestly, what you just say or describe could apply of the changes we went through the past 30 years. Just using internet search has for sure tremendously changed how you can do any knowledge worker job. Suddenly you have the internet at your fingertips. You can search about any topics. You have direct access to a Wikipedia or something equivalent in any field. I think some of this, we already went through it, and I hope we learned the consequence of these changes. I would say what is new is the way AI itself is working, because when you use AI, you realise that it can utter to you complete bullshit in a very self-assured way of explaining something. It’s a bit more scary than it used to be, because in the past, that algorithm trying to present you the most relevant stuff based on some algorithm was not trying to present you the truth. It’s a list of links. Maybe it was more the number one link versus number 100. But ultimately, it’s for you to make your own opinion. Now you have some chatbot that’s going to tell you that for sure this is the way you should do it. Then you check more, and you realise, no, it’s totally wrong. It’s definitely a slight change in how you have to apprehend this brave new world. Also, this AI tool, the big change, especially with generative AI, is the ability for them to give you the impression they can do the job at hand by themselves when usually they cannot. Nuno Goncalves PedroIndeed. There’s definitely a lot of things happening right now that need to fundamentally shift. Honestly, I think in the education system the problem is the education system is barely adapted to the digital world. Even today, if you studied at a top school like Stanford, et cetera, there’s stuff you can do online, there’s more and more tools online. But the teaching process has been very centred on syllabus, the teachers, later on the professors, and everything that’s around it. In class presence, there’s been minor adaptations. People sometimes allow to use their laptops in the classroom, et cetera, or their mobile phones. But it’s been done the other way around. It’s like the tools came later, and they got fed into the process. Now I think there needs to be readjustments. If we did this ground up from a digital first or a mobile first perspective and an AI first perspective, how would we do it? That changes how teachers and professors should interact with the classrooms, with the role of the classroom, the role of the class itself, the role of homework. A lot of people have been debating that. What do you want out of homework? It’s just that people cram information and whatever, or do you want people to show critical thinking in a specific different manner, or some people even go one step further. It’s like, there should be no homework. People should just show up in class and homework should move to the class in some ways. Then what happens outside of the class? What are people doing at home? Are they learning tools? Are they learning something else? Are they learning to be productive in responding to teachers? But obviously, AI augmented in doing so. I mean, still very unclear what this looks like. We’re still halfway through the revolution, as we said earlier. The revolution is still in motion. It’s not realised yet. Bertrand SchmittI would quite separate higher education, university and beyond, versus lower education, teenager, kids. Because I think the core up to the point you are a teenager or so, I think the school system should still be there to guide you, discovering and learning and being with your peers. I think what is new is that, again, at some point, AI could potentially do your job, do your homework. We faced similar situation in the past with the rise of Wikipedia, online encyclopedias and the stuff. But this is quite dramatically different. Then someone could write your essays, could answer your maths work. I can see some changes where you talk about homework, it’s going to be classwork instead. No work at home because no one can trust that you did it yourself anymore going forward, but you will have to do it in the classroom, maybe spend more time at school so that we can verify that you really did your job. I think there is real value to make sure that you can still think by yourself. The same way with the rise of calculators 40 years ago, I think it was the right thing to do to say, “You know what? You still need to learn the basics of doing calculations by hand.” Yes, I remember myself a kid thinking, “What the hell? I have a calculator. It’s working very well.” But it was still very useful because you can think in your head, you can solve complex problems in your head, you can check some output that it’s right or wrong if it’s coming from a calculator. There was a real value to still learn the basics. At the same point, it was also right to say, “You know what? Once you know the basics, yes, for sure, the calculator will take over because we’re at the point.” I think that was the right balance that was put in place with the rise of calculators. We need something similar with AI. You need to be able to write by yourself, to do stuff by yourself. At some point, you have to say, “Yeah, you know what? That long essays that we asked you to do for the sake of doing long essays? What’s the point?” At some point, yeah, that would be a true question. For higher education, I think personally, it’s totally ripe for full disruption. You talk about the traditional system trying to adapt. I think we start to be at the stage where “It should be the other way around.” It should be we should be restarted from the ground up because we simply have different tools, different ways. I think at this stage, many companies if you take, [inaudible 00:33:01] for instance, started to recruit people after high school. They say, “You know what? Don’t waste your time in universities. Don’t spend crazy shitload of money to pay for an education that’s more or less worthless.” Because it used to be a way to filter people. You go to good school, you have a stamp that say, “This guy is good enough, knows how to think.” But is it so true anymore? I mean, now that universities have increased the enrolment so many times over, and your university degree doesn’t prove much in terms of your intelligence or your capacity to work hard, quite frankly. If the universities are losing the value of their stamp and keep costing more and more and more, I think it’s a fair question to say, “Okay, maybe this is not needed anymore.” Maybe now companies can directly find the best talents out there, train them themselves, make sure that ultimately it’s a win-win situation. If kids don’t have to have big loans anymore, companies don’t have to pay them as much, and everyone is winning. I think we have reached a point of no return in terms of value of university degrees, quite frankly. Of course, there are some exceptions. Some universities have incredible programs, incredible degrees. But as a whole, I think we are reaching a point of no return. Too expensive, not enough value in the degree, not a filter anymore. Ultimately, I think there is a case to be made for companies to go back directly to the source and to high school. Nuno Goncalves PedroI’m still not ready to eliminate and just say higher education doesn’t have a role. I agree with the notion that it’s continuous education role that needs to be filled in a very different way. Going back to K-12, I think the learning of things is pretty vital that you learn, for example, how to write, that you learn cursive and all these things is important. I think the role of the teacher, and maybe actually even later on of the professors in higher education, is to teach people the critical information they need to know for the area they’re in. Basic math, advanced math, the big thinkers in philosophy, whatever is that you’re studying, and then actually teach the students how to use the tools that they need, in particular, K-12, so that they more rapidly apprehend knowledge, that they more rapidly can do exercises, that they more rapidly do things. I think we’ve had a static view on what you need to learn for a while. That’s, for example, in the US, where you have AP classes, like advanced placement classes, where you could be doing math and you could be doing AP math. You’re like, dude. In some ways, I think the role of the teacher and the interaction with the students needs to go beyond just the apprehension of knowledge. It also has to have apprehension of knowledge, but it needs to go to the apprehension of tools. Then the application of, as we discussed before, critical thinking, analytical thinking, creative thinking. We haven’t talked about creativity for all, but obviously the creativity that you need to have around certain problems and the induction of that into the process is critical. It’s particular in young kids and how they’re developing their learning skills and then actually accelerate learning. In that way, what I’m saying, I’m not sure I’m willing to say higher education is dead. I do think this mass production of higher education that we have, in particular in the US. That’s incredibly costly. A lot of people in Europe probably don’t see how costly higher education is because we’re educated in Europe, they paid some fee. A lot of the higher education in Europe is still, to a certain extent, subsidised or done by the state. There is high degree of subsidisation in it, so it’s not really as expensive as you’d see in the US. But someone spending 200-300K to go to a top school in the US to study for four years for an undergrad, that doesn’t make sense. For tuition alone, we’re talking about tuition alone. How does that work? Why is it so expensive? Even if I’m a Stanford or a Harvard or a University of Pennsylvania or whatever, whatever, Ivy League school, if I’m any of those, to command that premium, I don’t think makes much sense. To your point, maybe it is about thinking through higher education in a different way. Technical schools also make sense. Your ability to learn and learn and continue to education also makes sense. You can be certified. There are certifications all around that also makes sense. I do think there’s still a case for higher education, but it needs to be done in a different mould, and obviously the cost needs to be reassessed. Because it doesn’t make sense for you to be in debt that dramatically as you are today in the US. Bertrand SchmittI mean, for me, that’s where I’m starting when I’m saying it’s broken. You cannot justify this amount of money except in a very rare and stratified job opportunities. That means for a lot of people, the value of this equation will be negative. It’s like some new, indented class of people who owe a lot of money and have no way to get rid of this loan. Sorry. There are some ways, like join the government Task Force, work for the government, that at some point you will be forgiven your loans. Some people are going to just go after government jobs just for that reason, which is quite sad, frankly. I think we need a different approach. Education can be done, has to be done cheaper, should be done differently. Maybe it’s just regular on the job training, maybe it is on the side, long by night type of approach. I think there are different ways to think about. Also, it can be very practical. I don’t know you, but there are a lot of classes that are not really practical or not very tailored to the path you have chosen. Don’t get me wrong, there is always value to see all the stuff, to get a sense of the world around you. But this has a cost. If it was for free, different story. But nothing is free. I mean, your parents might think it’s free, but at the end of the day, it’s their taxes paying for all of this. The reality is that it’s not free. It’s costing a lot of money at the end of the day. I think we absolutely need to do a better job here. I think internet and now AI makes this a possibility. I don’t know you, but personally, I’ve learned so much through online classes, YouTube videos, and the like, that it never cease to amaze me how much you can learn, thanks to the internet, and keep up to date in so many ways on some topics. Quite frankly, there are some topics that there is not a single university that can teach you what’s going on because we’re talking about stuff that is so precise, so focused that no one is building a degree around that. There is no way. Nuno Goncalves PedroI think that makes sense. Maybe bring it back to core skills. We’ve talked about a couple of core skills, but maybe just to structure it a little bit for you, our listener. I think there’s a big belief that critical thinking will be more important than ever. We already talked a little bit about that. I think there’s a belief that analytical thinking, the ability to, again, distinguish fact from opinion, ability to distinguish elements from different data sources and make sure that you see what those elements actually are in a relatively analytical manner. Actually the ability to extract data in some ways. Active learning, proactive learning and learning strategies. I mean, the ability to proactively learn, proactively search, be curious and search for knowledge. Complex problem-solving, we also talked a little bit about it. That goes hand in hand normally with critical thinking and analysis. Creativity, we also talked about. I think originality, initiative, I think will be very important for a long time. I’m not saying AI at some point won’t be able to emulate genuine creativity. I wouldn’t go as far as saying that, but for the time being, it has tremendous difficulty doing so. Bertrand SchmittBut you can use AI in creative endeavours. Nuno Goncalves PedroOf course, no doubt. Bertrand SchmittYou can do stuff you will be unable to do, create music, create videos, create stuff that will be very difficult. I see that as an evolution of tools. It’s like now cameras are so cheap to create world-class quality videos, for instance. That if you’re a student, you want to learn cinema, you can do it truly on the cheap. But now that’s the next level. You don’t even need actors, you don’t even need the real camera. You can start to make movies. It’s amazing as a learning tool, as a creative tool. It’s for sure a new art form in a way that we have seen expanding on YouTube and other places, and the same for creating new images, new music. I think that AI can be actually a tool for expression and for creativity, even in its current form. Nuno Goncalves PedroAbsolutely. A couple of other skills that people would say maybe are soft skills, but I think are incredibly powerful and very distinctive from machines. Empathy, the ability to figure out how the other person’s feeling and why they’re feeling like that. Adaptability, openness, the flexibility, the ability to drop something and go a different route, to maybe be intellectually honest and recognise this is the wrong way and the wrong angle. Last but not the least, I think on the positive side, tech literacy. I mean, a lot of people are, oh, we don’t need to be tech literate. Actually, I think this is a moment in time where you need to be more tech literate than ever. It’s almost a given. It’s almost like table stakes, that you are at some tech literacy. What matters less? I think memorisation and just the cramming of information and using your brain as a library just for the sake of it, I think probably will matter less and less. If you are a subject or a class that’s just solely focused on cramming your information, I feel that’s probably the wrong way to go. I saw some analysis that the management of people is less and less important. I actually disagree with that. I think in the interim, because of what we were discussing earlier, that subject-matter experts at the top end can do a lot of stuff by themselves and therefore maybe need to less… They have less people working for them because they become a little bit more like superpowered individual contributors. But I feel that’s a blip rather than what’s going to happen over time. I think collaboration is going to be a key element of what needs to be done in the future. Still, I don’t see that changing, and therefore, management needs to be embedded in it. What other skills should disappear or what other skills are less important to be developed, I guess? Bertrand SchmittWorld learning, I’ve never, ever been a fan. I think that one for sure. But at the same time, I want to make sure that we still need to learn about history or geography. What we don’t want to learn is that stupid word learning. I still remember as a teenager having to learn the list of all the 100 French departments. I mean, who cared? I didn’t care about knowing the biggest cities of each French department. It was useless to me. But at the same time, geography in general, history in general, there is a lot to learn from the past from the current world. I think we need to find that right balance. The details, the long list might not be that necessary. At the same time, the long arc of history, our world where it is today, I think there is a lot of value. I think you talk about analysing data. I think this one is critical because the world is generating more and more data. We need to benefit from it. There is no way we can benefit from it if we don’t understand how data is produced, what data means. If we don’t understand the base of statistical analysis. I think some of this is definitely critical. But for stuff, we have to do less. It’s beyond world learning. I don’t know, honestly. I don’t think the core should change so much. But the tools we use to learn the core, yes, probably should definitely improve. Nuno Goncalves PedroOne final debate, maybe just to close, I think this chapter on education and skill building and all of that. There’s been a lot of discussion around specialisation versus generalisation, specialists versus generalists. I think for a very long time, the world has gone into a route that basically frames specialisation as a great thing. I think both of us have lived in Silicon Valley. I still do, but we both lived in Silicon Valley for a significant period of time. The centre of the universe in terms of specialisation, you get more and more specialised. I think we’re going into a world that becomes a little bit different. It becomes a little bit like what Amazon calls athletes, right? The T-Pi-shaped people get the most value, where you’re brought on top, you’re a very strong generalist on top, and you have a lot of great soft skills around management and empathy and all that stuff. Then you might have one or two subject matter expertise areas. Could be like business development and sales or corporate development and business development or product management and something else. I think those are the winners of the future. The young winners of the future are going to be more and more T-pi-shaped, if I had to make a guess. Specialisation matters, but maybe not as much as it matters today. It matters from the perspective that you still have to have spikes in certain areas of focus. But I’m not sure that you get more and more specialised in the area you’re in. I’m not sure that’s necessarily how humans create most value in their arena of deployment and development. Professionally, and therefore, I’m not sure education should be more and more specialised just for the sake of it. What do you think? Bertrand SchmittI think that that’s a great point. I would say I could see an argument for both. I think there is always some value in being truly an expert on a topic so that you can keep digging around, keep developing the field. You cannot develop a field without people focused on developing a field. I think that one is there to stay. At the same time, I can see how in many situations, combining knowledge of multiple fields can bring tremendous value. I think it’s very clear as well. I think it’s a balance. We still need some experts. At the same time, there is value to be quite horizontal in terms of knowledge. I think what is still very valuable is the ability to drill through whenever you need. I think that we say it’s actually much easier than before. That for me is a big difference. I can see how now you can drill through on topics that would have been very complex to go into. You will have to read a lot of books, watch a lot of videos, potentially do a new education before you grasp much about a topic. Well, now, thanks to AI, you can drill very quickly on topic of interest to you. I think that can be very valuable. Again, if you just do that blindly, that’s calling for trouble. But if you have some knowledge in the area, if you know how to deal with AI, at least today’s AI and its constraints, I think there is real value you can deliver thanks to an ability to drill through when you don’t. For me, personally, one thing I’ve seen is some people who are generalists have lost this ability. They have lost this ability to drill through on a topic, become expert on some topic very quickly. I think you need that. If you’re a VC, you need to analyse opportunity, you need to discover a new space very quickly. We say, I think some stuff can move much quicker than before. I’m always careful now when I see some pure generalists, because one thing I notice is that they don’t know how to do much anything any more. That’s a risk. We have example of very, very, very successful people. Take an Elon Musk, take a Steve Jobs. They have this ability to drill through to the very end of any topic, and that’s a real skill. Sometimes I see people, you should trust the people below. They know better on this and that, and you should not question experts and stuff. Hey, guys, how is it that they managed to build such successful companies? Is their ability to drill through and challenge hardcore experts. Yes, they will bring top people in the field, but they have an ability to learn quickly a new space and to drill through on some very technical topics and challenge people the right way. Challenge, don’t smart me. Not the, I don’t care, just do it in 10 days. No, going smartly, showing people those options, learning enough in the field to be dangerous. I think that’s a very, very important skill to have. Nuno Goncalves PedroMaybe switching to the dark side and talking a little bit about the bad stuff. I think a lot of people have these questions. There’s been a lot of debate around ChatGPT. I think there’s still a couple of court cases going on, a suicide case that I recently a bit privy to of a young man that killed himself, and OpenAI and ChatGPT as a tool currently really under the magnifying glass for, are people getting confused about AI and AI looks so similar to us, et cetera. The Ethics, Safety, and Privacy Landscape Maybe let’s talk about the ethics and safety and privacy landscape a little bit and what’s happening. Sadly, AI will also create the advent of a world that has still a lot of biases at scale. I mean, let’s not forget the AI is using data and data has biases. The models that are being trained on this data will have also biases that we’re seeing with AI, the ability to do things that are fake, deep fakes in video and pictures, et cetera. How do we, as a society, start dealing with that? How do we, as a society, start dealing with all the attacks that are going on? On the privacy side, the ability for these models and for these tools that we have today to actually have memory of the conversations we’ve had with them already and have context on what we said before and be able to act on that on us, and how is that information being farmed and that data being farmed? How is it being used? For what purposes is it being used? As I said, the dark side of our conversation today. I think we’ve been pretty positive until now. But in this world, I think things are going to get worse before they get better. Obviously, there’s a lot of money being thrown at rapid evolution of these tools. I don’t see moratoriums coming anytime soon or bans on tools coming anytime soon. The world will need to adapt very, very quickly. As we’ve talked in previous episodes, regulation takes a long time to adapt, except Europe, which obviously regulates maybe way too fast on technology and maybe not really on use cases and user flows. But how do we deal with this world that is clearly becoming more complex? Bertrand SchmittI mean, on the European topic, I believe Europe should focus on building versus trying to sensor and to control and to regulate. But going back to your point, I think there are some, I mean, very tough use case when you see about voice cloning, for instance. Grandparents believing that their kids are calling them, have been kidnapped when there is nothing to it, and they’re being extorted. AI generating deepfakes that enable sextortion, that stuff. I mean, it’s horrible stuff, obviously. I’m not for regulation here, to be frank. I think that we should for sure prosecute to the full extent of the law. The law has already a lot of tools to deal with this type of situation. But I can see some value to try to prevent that in some tools. If you are great at building tools to generate a fake voice, maybe you should make sure that you are not helping scammers. If you can generate easily images, you might want to make sure that you cannot easily generate tools that can be used for creating deep fakes and sex extortion. I think there are things that should be done by some providers to limit such terrible use cases. At the same time, the genie is out. There is also that part around, okay, the world will need to adapt. But yeah, you cannot trust everything that is done. What could have looked like horrible might not be true. You need to think twice about some of this, what you see, what you hear. We need to adjust how we live, how we work, but also how we prevent that. New tools, I believe, will appear. We will learn maybe to be less trustful on some stuff, but that is what it is. Nuno Goncalves PedroMaybe to follow up on that, I fully agree with everything you just said. We need to have these tools that will create boundary conditions around it as well. I think tech will need to fight tech in some ways, or we’ll need to find flaws in tech, but I think a lot of money needs to be put in it as well. I think my shout-out here, if people are listening to us, are entrepreneurs, et cetera, I think that’s an area that needs more and more investment, an area that needs more and more tooling platforms that are helpful to this. It’s interesting because that’s a little bit like how OpenAI was born. OpenAI was born to be a positive AI platform into the future. Then all of a sudden we’re like, “Can we have tools to control ChatGPT and all these things that are out there now?” How things have changed, I guess. But we definitely need to have, I think, a much more significant investment into these toolings and platforms than we do have today. Otherwise, I don’t see things evolving much better. There’s going to be more and more of this. There’s going to be more and more deep fakes, more and more, lack of contextualisation. There’s countries now that allow you to get married with not a human. It’s like you can get married to an algorithm or a robot or whatever. It’s like, what the hell? What’s happening now? It’s crazy. Hopefully, we’ll have more and more boundary conditions. Bertrand SchmittYeah, I think it will be a boom for cybersecurity. No question here. Tools to make sure that is there a better trust system or detecting the fake. It’s not going to be easy, but it has been the game in cybersecurity for a long time. You have some new Internet tools, some new Internet products. You need to find a difference against it and the constant war between the attackers and the defender. Nuno Goncalves PedroThe Parental Playbook: Actionable Strategies Maybe last but not the least in today’s episode, the parent playbook I’m a parent, what should I do I’ll actually let you start first. Bertrand, I’m parent-alike, but I am, sadly, not a parent, so I’ll let you start first, and then I’ll share some of my perspectives as well as a parent-like figure. Bertrand SchmittYeah, as a parent to an 8-year, I would say so far, no real difference than before. She will do some homework on an iPad. But beyond that, I cannot say I’ve seen at this stage so much difference. I think it will come up later when you have different type of homeworks when the kids start to be able to use computers on their own. What I’ve seen, however, is some interesting use cases. When my daughter is not sure about the spelling, she simply asks, Siri. “Hey, Siri, how do you spell this or this or that?” I didn’t teach her that. All of this came on her own. She’s using Siri for a few stuff for work, and I’m quite surprised in a very smart, useful way. It’s like, that’s great. She doesn’t need to ask me. She can ask by herself. She’s more autonomous. Why not? It’s a very efficient way for her to work and learn about the world. I probably feel sad when she asks Siri if she’s her friend. That does not feel right to me. But I would say so far, so good. I’ve seen only AI as a useful tool and with absolutely very limited risk. At the same time, for sure, we don’t let our kid close to any social media or the like. I think some of this stuff is for sure dangerous. I think as a parent, you have to be very careful before authorising any social media. I guess at some point you have no choice, but I think you have to be very careful, very gradual, and putting a lot of controls and safety mechanism I mean, you talk about kids committing suicide. It’s horrible. As a parent, I don’t think you can have a bigger worry than that. Suddenly your kids going crazy because someone bullied them online, because someone tried to extort them online. This person online could be someone in the same school or some scammer on the other side of the world. This is very scary. I think we need to have a lot of control on our kids’ digital life as well as being there for them on a lot of topics and keep drilling into them how a lot of this stuff online is not true, is fake, is not important, and being careful, yes, to raise them, to be critical of stuff, and to share as much as possible with our parents. I think We have to be very careful. But I would say some of the most dangerous stuff so far, I don’t think it’s really coming from AI. It’s a lot more social media in general, I would say, but definitely AI is adding another layer of risk. Nuno Goncalves PedroFrom my perspective, having helped raise three kids, having been a parent-like role today, what I would say is I would highlight against the skills that I was talking about before, and I would work on developing those skills. Skills that relate to curiosity, to analytical behaviours at the same time as being creative, allowing for both, allowing for the left brain, right brain, allowing for the discipline and structure that comes with analytical thinking to go hand in hand with doing things in a very, very different way and experimenting and failing and doing things and repeating them again. All the skills that I mentioned before, focusing on those skills. I was very fortunate to have a parental unit. My father and my mother were together all their lives: my father, sadly, passing away 5 years ago that were very, very different, my mother, more of a hacker in mindset. Someone was very curious, medical doctor, allowing me to experiment and to be curious about things around me and not simplifying interactions with me, saying it as it was with a language that was used for that particular purpose, allowing me to interact with her friends, who were obviously adults. And then on the other side, I have my father, someone who was more disciplined, someone who was more ethical, I think that becomes more important. The ability to be ethical, the ability to have moral standing. I’m Catholic. There is a religious and more overlay to how I do things. Having the ability to portray that and pass that to the next generation and sharing with them what’s acceptable and what’s not acceptable, I think is pretty critical and even more critical than it was before. The ability to be structured, to say and to do what you say, not just actually say a bunch of stuff and not do it. So, I think those things don’t go out of use, but I would really spend a lot more focus on the ability to do critical thinking, analytical thinking, having creative ideas, obviously, creating a little bit of a hacker mindset, how to cut corners to get to something is actually really more and more important. The second part is with all of this, the overlay of growth mindset. I feel having a more flexible mindset rather than a fixed mindset. What I mean by that is not praising your kids or your grandchildren for being very intelligent or very beautiful, which are fixed things, they’re static things, but praising them for the effort they put into something, for the learning that they put into something, for the process, raising the

Paul Dumitru is an Insurance Specialist at the Financial Supervisory Authority of Romania, President of the CPCU Romanian Chapter, and 2025 CPCU Society International Ambassador, where he will represent the CPCU Society and continue fostering international connections and awareness of the CPCU designation and the CPCU Society.   A CPCU Society member since 2013, Paul earned his CPCU designation in 2017. He is a member of the Europe Chapter, serves as the acting President of the newly forming Romania Chapter, and is a committee member on the Global Virtual Community Steering Committee. Over the past year, he has promoted the CPCU Society through media appearances, conferences, and the launch of the Romania Chapter, helping to expand the Society's reach across Eastern Europe.   Professionally, Paul works at Romania's Financial Supervisory Authority, where he focuses on financial education and strategic insurance initiatives. In this episode of In the Know, Chris Hampshire and Paul discuss insurance in Europe, the CPCU Society Romania Chapter, and some of the factors that have shaped Paul's insurance career, including his CPCU designation.   Key Takeaways Paul's professional journey from chemistry to insurance. Surprising discoveries from within the world of insurance. The intellectual reward of working in risk management. An overview of the Romanian insurance market. Training and developing the next generation of insurance professionals. Strategies for adapting insurance systems as part of the EU. Founding the Romanian CPCU chapter. Paul's message to the next generation of insurance professionals. A five-year look at the future of the Romanian insurance market. The benefits of Paul's CPCU designation.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes "Working in insurance is one of the most fascinating industries in the world." "Insurance meets at the intersection of finance, law, and human behavior." "In insurance, I learn something new every day of my life." "You only need curiosity to learn about the fascinating insurance industry."  

Reece Batchelor, currently in a Founding Talent role at Dust, shares a unique perspective shaped by his time as a professional football player. He reflects on how values, transparency, and teamwork are essential to finding great talent and helping them thrive. Thank you to our sponsor, SecureVision, for making this show possible! Follow us:https://www.linkedin.com/company/82436841/SecureVision: #1 Rated Embedded Recruitment Firm on G2!https://www.g2.com/products/securevision/reviewsThanks for listening!

Send us a textDr. Craig Wood with the University of Kentucky discusses his recent decision to retire from the judging and professional horseman world. A respected judge, Dr. Wood decided he wanted to have fun for himself for a change and focus on showing in his "golden" years.

This week, Ivy Slater, host of Her Success Story, chats with her guest, Melissa Giraud. The two talk about the origins of Embrace Race, the importance of fostering healthy conversations about race with children, and the organization's commitment to providing research-informed resources for parents, caregivers, and educators. In this episode, we discuss: How Melissa Giraud co-founded Embrace Race in 2016, drawing from her experiences as a multiracial educator and former NPR producer to address children's confusion about race and parents' reluctance to discuss it openly. What the organization's field-building efforts entail—convening researchers, pediatricians, media creators, and educators to create cross-sector supports and ensure consistent racial equity messaging across children's environments. When and why conversations about race matter most: Children constantly absorb negative messages from media, peers, and society, requiring parents to guide their interpretations rather than assume good intentions work. Why no one needs a PhD to lead racial learning at home: Melissa stresses curiosity over perfection, encouraging adults to sit with kids, ask questions, and explore together without needing all the answers upfront. How Embrace Race builds community through online classes and learning groups where parents and educators share experiences, fostering collective growth and relational support tailored to individual family contexts. Melissa Giraud is co-founder and co-director of EmbraceRace, an organization that supports families, educators, and caregivers to raise kids who are thoughtful, informed and brave about race. Melissa leads a team that creates research backed resources, community spaces and partnerships, all in the service of supporting caregivers to nurture children to develop healthy racial attitudes and behaviors. Such children will become the adults who can build the truly inclusive institutions on which the future of US multiracial democracy depends. Melissa has spent a lifetime trying to center the voices, experiences and concerns of children and families, with a particular interest in immigrant kids of color and first-generation children. She is the multiracial (Black/White) daughter of immigrants from Dominica and Quebec. Professionally, Melissa has sought to empower kids and families, first as an elementary school educator teaching in a bilingual (Spanish/English) program in a predominantly Mexican and Mexican American neighborhood in Chicago, then as an NPR producer in DC driven to recruit voices and perspectives from communities of color in the newsroom, and later as a radio reporter who collaborated with her former elementary students as they were coming of age to capture the experience of living biculturally and transnationally for NPR. Melissa further pursued her interest in K-12 education and equity in graduate school and has been a consultant to numerous foundations and organizations, with special attention to the promise and perils of technology in advancing educational equity. https://www.embracerace.org/      

"When something real comes up in your life, who do you talk to about it?"  Men don't lose their edge because they stop trying—they lose it because they try to do everything alone. Brotherhood creates a space where men are forced to see themselves clearly, confront patterns that no longer serve them, and stay anchored to purpose when life gets unstable. Growth doesn't happen in isolation. It happens when men are challenged, reflected, and held to a higher standard by other men who care enough to tell the truth.  Eric Axelrod talks about his experience with men's work. How men's circles expose blind spots around anger, listening, leadership, and emotional discipline. Brotherhood isn't about advice—it's about being asked the questions that lead you to the answers you need, accountability, and seeing yourself in other men's trials and triumphs.  Professionally, Eric is the founder of Pinnacle Search Professionals, a recruiting firm for the Regulated Industry. He built his company around a simple principle: depth beats breadth. By working within a clear niche and only taking on searches he knows can be filled well, Eric emphasizes discipline, clarity, and follow-through—values that mirror his approach to leadership and men's work. He's deeply involved in men's initiation work and leadership development, helping preserve and carry forward transformational men's training. His focus is on building strong masculine communities where men develop clarity, emotional control, purpose, and resilience—skills that compound over time and impact families, businesses, and future generations.  Learn more & connect:   https://pinnaclesearchprofessionals.com/  Also in this episode:  Justin Sterling Men's Weekend https://www.sterling-institute.com/mens-weekend  Power vs. Force by Dr. David R. Hawkins https://a.co/d/eD4ADPp  No More Mr. Nice Guy by Dr. Robert Glover https://a.co/d/fzyXNMN  You're invited to come to a Sovereign Circle meeting to experience it for yourself. To learn more, go to https://www.sovereignman.ca/. While you're there, check out the Battle Ready program and check out the store for Sovereign Man t-shirts, hats, and books. 

HAPPY NEW YEAR!! Thank you so much for yet another amazing year in Insurance Town!! This weeks episode is a little different, No Guest. This week i am releasing one of my keynote presentations from a conference I spoke at this year, IIANC, thank you to my friend AUBE KNIGHT and his amazing staff in North Carolina for hosting me and helping me to learn and grow in a big way!! THAT CONFERENCE HAD a major impact on my life personally and Professionally!! This is my keynote, OUT OF SERVICE, I hope you enjoy! SponsorsSmart ChoiceCanopy Connect MAV

Happy New Year!

New Year's Day hits different when you're recording with a live studio audience, passing the mic around, and starting the year with a mix of laughs, honest reflection, and big goals. In this Building Better Developers special episode, Rob Broadhead and Michael Meloche kick off 2026 by sharing a "good thing / bad thing" recap from a recent Christmas party—then opening the floor to the team to talk about the New Year developer goals. It's casual, it's real, and it's a reminder that growth (personal and professional) usually starts with clarity. Michael's 2026 New Year developer goals: Payoff and Growth When the conversation turns forward, Michael shares something that hits hard for anyone building a business—or rebuilding momentum. He describes the last year (or two) as a heavy investment: retooling, branding, marketing, refining direction, and putting in the work that doesn't immediately show results. Now, in 2026, he's looking for payoff—not in a "get rich quick" way, but in the sense of seeing the fruits of consistent effort. He also mentions narrowing focus for Develpreneur and wanting to see that a clearer direction translates into growth. There's something powerful about that moment: when you stop trying to do everything, and start building depth in the things that matter. If you spent 2025 laying groundwork, 2026 is your chance to ship with confidence. Foundations aren't the finish line—but they make speed possible. Rob's 2026 New Year developer goals: Scale, Network, and Teach Again Rob's focus is straightforward: he wants to keep growing the business, but also move from "a couple projects went well" to scaling—bringing in more work and creating consistent momentum. One of the practical strategies he calls out is getting out more: business conventions, tech conventions, and networking. Not just online—real-world conversations that create opportunities. He also hints at something long-time listeners will appreciate: he wants to relaunch teaching episodes. That includes new "kitchen sink" style applications, plus content around AI and emerging technologies. It's a return to hands-on learning—less theory, more building. Team Voices on New Year developer goals: Milestones, Features, and New Seasons Wes, a programmer at RRB Consulting, brings a personal win that feels like pure New Year energy: his car is getting paid off early in the year. That's freedom. Breathing room. And honestly, a reminder that progress isn't only measured in commits and deployments. Professionally, Wes is excited about projects with features coming together in the first quarter—things moving from "in progress" to "in the client's hands." Natalie shares that 2026 is a "new season of change" for her—wrapping up big chapters and getting ready to reinvest significant time back into RRB. Rob adds another layer: he's planning to be a digital nomad in 2026 and launching a site to document the adventures and the tech behind them. One Day at a Time (Yes, Even for Developers) As the episode closes, there's a simple challenge: don't give up on your New Year's resolutions on day one. Make it to day two. Day three. Day ten. Keep it small. Keep it moving. And then: back to interviews, back to Building Better Foundations, and the ongoing push toward major milestones—like eventually hitting episode 1000. Pick one small habit you can keep for 10 days. If you can do 10, you can do 30. If you can do 30, you can change your year. Ready for 2026? This episode isn't about perfect plans—it's about momentum, focus, and showing up. Whether you're chasing payoff after a long build season, scaling your business, shipping features, or stepping into a new chapter… the message is the same: Start. Today. Then do it again tomorrow. Happy New Year—and we'll see you in the next episode. Stay Connected: Join the Developreneur Community We invite you to join our community and share your coding journey with us. Whether you're a seasoned developer or just starting, there's always room to learn and grow together. Contact us at info@develpreneur.com with your questions, feedback, or suggestions for future episodes. Together, let's continue exploring the exciting world of software development. Additional Resources Strategies for Your New Year Planning Become A Better Developer In The New Year Goal Setting and Habits: The Keys to a Productive New Year Building Better Foundations Podcast Videos – With Bonus Content

Tamara Huntley is a licensed social worker and passionate advocate for individuals with disabilities. Born with cerebral palsy, Tamara serves as the Self-Advocacy Liaison for the Massachusetts Developmental Disabilities Council and contributes to research through Brandeis University’s Bridges Project. Tamara is a widow and proud single mother of two. Professionally and personally, Tamara's commitment is […] The post Communicating Clearly with People Who Have Disabilities (HLOL #267) appeared first on Health Literacy Out Loud Podcast.

In early 2025, my dear friend Jennifer started telling me about how she was preparing for her youngest child to leave for college.  She was celebrating this parenting milestone while also preparing for the grief.  Simultaneously, she was watching her father's health deteriorate.  She knew 2025 would be a year of massive change.  And, it most certainly was.  I had the opportunity to connect with Jennifer throughout the year, and when she felt ready, I was honored to invite her to the show to discuss the overlap of life, grief, work, and the magical opportunities that arise for midlife women.   Professionally, Jennifer R. Hudson is an award-winning communications leader with more than 25 years of experience helping organizations strengthen and grow their brands through strategic, effective communication. She has led communications programs, facilitated workshops, launched businesses, and secured high-impact media coverage for both corporations and nonprofits. Before founding ThinkBeyond Public Relations, Jennifer served as Vice President of Communications at British Airways, overseeing internal and external communications across 18 markets, and held senior communications roles at Sabre and American Airlines, where she was a Spanish-speaking spokesperson. Jennifer is an accredited public relations professional (APR), a certified mentor and coach supporting entrepreneurs and social impact leaders, and a past president of PRSA Greater Fort Lauderdale. She was named PRSA Greater Fort Lauderdale's 2024 Communicator of the Year.  Most notably, Jennifer is the proud mom of two grown children who still love coming home to visit their mom on a regular basis.  Listen in to hear Jennifer share: The difference between mentally preparing for change, loss, and grief and actually enduring them How navigating change and life transitions has improved her leadership focus and personal and professional goals Practices that help leaders stay centered and purposeful when personal life changes collide with professional responsibilities The unique opportunities that come out of hard seasons to create new and transformational experiences How vulnerability builds leadership trust and perfectionism erodes it The importance of giving yourself time to reflect on 2025, release what needs to be released, and claim what you want to own and carry forward from 2025 The PR framework leaders can use to sustain visibility and consistency in their communications without burning out or losing themselves in the process Links: Learn more about Jennifer and ThinkBeyond: wethinkbeyond.com Reach out to Jennifer: jen@wethinkbeyond.com  Connect with Jennifer on LinkedIn: https://www.linkedin.com/in/jenrhudson/ Connect with Jennifer on IG: https://www.instagram.com/thinkbeyondpr/ [Open Enrollment] Join Sara's Aligned Leadership Incubator: saradean.com/aligned Hire Sara to speak: saradean.com/speaking Coach with Sara: https://saradean.com/executive-coaching-services Connect with Sara on LinkedIn: https://www.linkedin.com/in/saradeanspeaks Watch Shameless Leadership episodes on YouTube: https://www.youtube.com/@saradeanspeaks Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dayna Monroe - is a lifelong sportswoman, accomplished bowhunter/hunter, and a respected leader in the women's outdoor and hunting space. With deep roots in the field and a competitive mindset, she brings firsthand experience from the mountains, the range, and the playing field —competing in Tactical Games and continually pushing the limits of physical and mental performance. As a women's outdoor and hunting coach, Dayna is passionate about empowering others with the skills, confidence, and mindset needed to thrive in demanding environments. Her approach blends discipline, preparedness, and respect for the outdoors, making her a trusted mentor for women stepping into hunting, archery, and tactical competition. Professionally, Dayna serves as a Brand Relationship Manager at SIG SAUER, where she helps build authentic partnerships and represent one of the most respected names in firearms and outdoor innovation. Whether she's coaching, competing, or cultivating industry relationships, Dayna Monroe stands at the intersection of performance, purpose, and modern outdoor culture. In this episode of The Mountain Side, Dayna Monroe sits down with Bobby Marshall in studioto discuss situational awareness, firearm safety, concealed carry, Sig Sauer, tactical games, hunting, social media use, brand management, and much more. If you enjoy the episode, please subscribe, leave a review, and follow us across social media for updates on new shows, events, and episode drops.www.TheMountainSidePodcast.comShow Notes:https://www.sigsauer.com/Affiliates LinksSponsor Linkswww.BulletProof.comMountain Side listeners Use Discounts code: MOUNTAINSIDE to receive 20% off all Bulletproof products!www.SABObroadheads.comMountain Side listeners receive $10 off & Free Shipping on all SABO Broadheads!www.ProTekt.comMountain Side listeners receive 10% off all ProTekt products! Use this link to receive discount code.

Dr. A. Z. Andis Arietta is a scientist whose work spans the intersection of AI, conservation, and herpetoculture (azandisresearch.com). He earned his PhD from Yale School of the Environment, where his research areas included ecological genomics, amphibian ecophysiology and development, and the ethics of conservation. That scientific and philosophical grounding now informs how he thinks about evidence-based animal care, conservation policy, and the impacts of data infrastructure.Professionally, Andis is a Senior Data Scientist working in machine learning, causal inference, and applied AI. He also teaches graduate courses on Practical AI, research methods, and data visualization, with an emphasis on application in the environmental field.Andis is an active herpetoculturist who runs Holotypica (holotypica.com), a small husbandry-focused venture centered on ethically bred amphibians and reptiles, primarily focused on dart frogs and emerald tree skinks. His work in the hobby prioritizes animal welfare, transparent methods, and helping keepers succeed through education and evidence-based guidance.Across all of his work, Andis is interested in how AI can support conservation and environmental outcomes, including improving decision systems, extracting insight from unstructured data, and strengthening science communication, while remaining clear-eyed about the limitations and risks of these tools.

Emily has been shaped by a lifelong relationship with Christ, one that moved from inherited faith to deeply personal devotion. While she has been a Christian the majority of her life, it was at age 18 that she intentionally began pursuing her own relationship with the Lord. Anchored in Scriptures like Psalm 139, Emily rests in the truth that God knows her fully and intimately. In the quiet moments—when comfort gives way to obedience—her faith was sparked into something active and alive, marked by a steady resolve to keep pressing in and to ask the Lord, “What do You want me to do?”A central passion in Emily's life is seeing people experience healing through the Lord. For the past 7-8 years, she has served faithfully on the Salem Alliance prayer team, believing deeply in the power of intercession and biblical community. She understands that we are built for community, and that healing often comes through the tangible hands and feet of Jesus—something she has personally experienced through her friends and family. Her life reflects a call to lead by example, embracing hard conversations, facing the music, and being willing to ask, “What was my part?” all while choosing to be the light of Jesus.Emily's journey has not been without profound suffering. At just twenty-nine, she has walked through significant loss, including divorce and the death of her mother. Her mother's diagnosis came at the same time her former husband chose to leave the marriage, a season marked by survival rather than thriving. Yet even in that valley, Emily sensed an undercurrent of the Lord's peace—a quiet but steady assurance that God heard her prayers and was answering them, even if the answers came in unexpected ways. Through grief, she has learned not only how to suffer, but how to embrace healing and trust in God's redeeming faithfulness.Today, Emily is remarried and a stepmom, learning firsthand the complexities and beauty of blended family life. She approaches marriage and family with humility, curiosity, and a commitment to growth, believing that comfort is never the place where true growth happens. Her story is one of obedience—choosing to step forward even when the path is unclear, trusting the Lord's timing, and believing that there is always more beyond survival. “It's time to thrive,” has become both a declaration and a testimony of God's work in her life.Professionally, Emily is licensed and ordained within the Christian and Missionary Alliance and has served at Salem Alliance Church for the past two years. She is currently pursuing a master's degree in counseling, desiring to walk alongside others with wisdom, compassion, and truth. Her life stands as a doxology in motion—praise lived out through faithfulness, service, and trust in God's ability to redeem every circumstance. Praise God, from whom all blessings flow… Her story ultimately points upward, declaring that even in loss, healing, and becoming, the Lord remains faithful.Reach out to Emily to hear more of her story and learn what resilience means. #Jesusfollower #Psalm139 #Heknowsme #conversationwithbuddy _ _ _For more stories like this, go to: https://www.youtube.com/@BuddyJamesPuckettIf you or someone you know want to be on the podcast, please reach out to me on Instagram @conversationswithbuddy or text me at 503-851-8031. _ _ _About Buddy Puckett:Buddy Puckett has been in the mortgage and finance space and mentoring men for over 25 years.  A mentoring opportunity all started when he first began in the mortgage industry in 1998, when he began to mentor a younger guy who happened to be married.  This person was not making great choices and it was sadly affecting his marriage.  We all are 1 decision away from something really dumb, so accountability became something Buddy knew he needed as well.  Buddy's wife, Shawn, suggested he start a podcast in 2022 to share the stories of people who have struggled,failed, overcame by realizing the life of love, joy and peace is only available through a relationship with Jesus Christ! “Jesus said to him, 'I am the way, and the truth and the life; no one comes to the Father except through Me'.” John 14:6Guild Mortgage Company: Equal Housing Opportunity, NMLS #3274 (www.nmlsconsumeraccess.org). Buddy Puckett NMLS #270057, Arizona BK#0018883, AZ LO-1032154; OR ML-176 For more licensing information, please visit www.guildmortgage.com/licensing. The positions, strategies or opinions of the author do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates.

That stigma around parents in youth sports? It's an unfortunate part of the culture, but Coach Ilya Podolskiy is taking a different approach and bringing families into the process. In this episode, you'll hear how he turns parents into allies and creates a culture where kids build resilience while still having fun. Our conversation highlights how important families are to an athlete's development, the impact sports and mentorship can have in a child's life, and what makes a truly great coach. Topics discussed: Introduction (00:00) Why progress is a constant driver in Ilya's life (01:40) Overcoming childhood bullying through martial arts (05:34) How he discovered hockey and became a coach (08:57) The importance of being a mentor, not just a coach (14:36) How he juggles full-time work, coaching, and family life (19:59) The Podolskiy Method: why parents need to be involved in youth sports (23:48) Two things that keep families and kids coming back to the game (26:29) Giving back through Hockey Helps 24-Hour Marathon (28:10) What brought you JOY today? (31:13) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Ilya Podolskiy: Sharp Skate NY Instagram: http://instagram.com/SharpSkateNY/ Ilya's Facebook: https://www.facebook.com/ilya.podolskiy.5 Sharp Skate NY's Facebook: https://www.facebook.com/Sharpskate YouTube: https://www.youtube.com/@thepodolskiymethod-parenti9182 LinkedIn: https://www.linkedin.com/in/ilya-podolskiy-cpa-89b2b71a Website: https://thepodolskiymethod.squarespace.com/ Podcast: https://www.buzzsprout.com/1759705 About Our Guest: Ilya Podolskiy is a USA Hockey Level 5 Master Coach and Coach Developer, as well as the Lead Hockey Instructor for the New York Junior Rangers. With years of experience coaching travel youth hockey at multiple ages and levels, he has built a reputation for developing athletes and guiding families through the youth sports journey. He is also the creator and host of The Podolskiy Method Podcast, where he shares insights on parenting athletes and the role of education in sports. Beyond hockey, Ilya holds a black belt in Taekwondo, where he previously taught martial arts, blending discipline and character into his coaching approach.  In addition, Ilya wrestled in high school and collegiate levels and continued to study various Martial art disciplines like Muay Thai, KickBoxing, and Karate, amongst others. Professionally, he is a CPA and earned his Master's degree from Villanova School of Law, combining analytical precision with a passion for teaching and mentorship. Currently, Ilya is seeking new keynote speaking opportunities to share his coaching philosophy, leadership lessons, and personal experiences with broader audiences. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

Daniel sits down with manifestation teacher Ayelet Polonsky, for a conversation that goes far beyond surface-level spirituality.What begins as a discussion about time, dreams, and Inception quickly deepens into an exploration of belief versus faith, desire, power, ego, and the responsibility that comes with conscious creation. Together, they examine how language shapes perception, where manifestation can become ethically dangerous, and why awareness, not dominance, is the foundation of real power.Ayelet shares her experiences studying and living in India, Israel, and indigenous traditions, along with her approach to manifestation work, one rooted in regulation, inner coherence, and personal accountability rather than wish fulfillment. Daniel challenges ideas where clarity is needed, questions terminology where it matters, and openly reflects on his own relationship to power, validation, and restraint in spiritual spaces.Ayelet's bio:Ayelet Polonsky, aka "The Manifestation Mentor" is an adventure loving, green living, healthy dessert fanatic & yogi... who helps people turn their "thoughts into things!"Professionally she is an Inspirational Speaker, Life Coach and Therapist.Ayelet is trained in Cognitive Behavioral, Narrative Therapy & EFT.Her work has been featured in Mind Body Green, Elephant Journal, Glamor Magazine, Fox News, NBC, and CBS News.She lived in India for a large chunk of six years and learned Visualization and Meditation under some of the greatest Enlightened Masters until she arrived in Israel five years ago, where she's been a student and teacher of Mysticism and Manifestation under great mystics & rabbis.Ayelet has led transformational retreats and workshops for women all around the world.As her husband says, “Ayelet is in the transformation business.” She lives to help women break through the blockages of self-worth so that they can unlock miracles!"Deep inner work can be hard work, so she makes sure you're having FUN and laughing A LOT along the way!All of her links are here: https://linktr.ee/ayeletpolonskyThe link contents are The Think BIG Podcast, The 21-Day Joy Challenge, The Manifestation Mindset Online Course, and many more.She also does 1 on 1 coaching sessions.

In celebration of the year ending, we are reviewing our top five most listened podcast episodes of 2025. And our second most popular episode of the year was How to Create a Win Win Professionally and Personally with Rebecca Sposita. What does it really take to succeed in a high-stakes, male-dominated field? Today's guest, Rebecca Sposita, President of Sam Bernstein Law and author of Win Win, knows firsthand. Rebecca's journey from litigator to law firm leader is nothing short of inspiring—balancing career, family, and even writing a book to help institutions better support survivors of trauma. In this episode, Rebecca shares the importance of self-trust, the reality of imposter syndrome (even at the highest levels), and why bold, fearless decision-making is key to success. From juggling law school with a newborn to navigating leadership with confidence, she reveals the lessons she's learned along the way. This episode is a must-listen for anyone striving for confidence in leadership, career growth, and making an impact while staying true to yourself. Today we cover:Rebecca's journey to becoming a law firm president and what it took to get thereThe power of trusting yourself, even when others doubt youHow institutions can better support survivors of traumaWriting Win Win and the mission behind itFinding balance between ambition, leadership, and personal well-being Connect with Rebecca:Website: https://rebeccasposita.com/ Instagram: @rebeccasposita Connect with Whitney & Stephanie: captureyourconfidencepodcast@gmail.comStephanie IG: @_stephanie_hanna_The Other 85: https://theother85.net/ Whitney IG: @whitneyabraham

After a question last week about golf pathways, we discovered that Acushnet (who operate Titleist and FootJoy) have 18 PGA Pros working for them in various roles around Australia and New Zealand, and we thought it worthwhile chatting to one about their path and how it came about.And Emma Larson is the perfect person to talk to. Emma works for Acushnet in the Melbourne office, made 11 Australian teams and was at one point ranked #1 in Australia - so she's got some serious chops! Emma drops in to talk to Nick and Mark about her story from gun amateur golfer (our words not hers), to being a Tour Pro, and then retiring on medical advice.Emma explains what happened next with her golf career and pathway, and how she initially considering coaching, and tells us why she gave that up....her reasons were not dissimilar to Nicks!A great chat today with Emma Larson from Acushnet, and she shows a great example of one of the many and varied career pathways that are available to PGA Professionals.We're live from Titleist and FootJoy HQ thanks to our great partners:BMW, luxury and comfort for the 19th hole;Titleist, the #1 ball in golf;FootJoy, the #1 shoe and glove in golf;PING will help you play your best;Golf Clearance Outlet, they beat everyone's prices;Betr, the fastest and easiest betting app in Australia;And watchMynumbers and Southern Golf Club. Hosted on Acast. See acast.com/privacy for more information.

In this episode of The IT Experts Podcast, Ian Luckett and Stuart Warwick sit down to share their Reflections of 2025, looking back on a year that has been full of growth, challenge, learning, and perspective. This is a candid and human conversation, where business lessons blend naturally with life lessons, offering MSP owners space to pause, reflect, and reset as another year comes to a close.     The conversation opens with a shared acknowledgement of how quickly the year has passed and how important it is to take time to reflect before rushing into planning the next chapter. These Reflections of 2025 are not about performance for the sake of it. They are about understanding what truly mattered, what created momentum, and what quietly drained energy along the way. Ian and Stuart explore the idea that businesses exist to serve life, not the other way around, and that clarity often comes from slowing down rather than pushing harder.     On a personal level, both hosts share openly about significant moments from the year. Stuart reflects on the long and emotional journey of moving house after many years, using it as a reminder that worthwhile outcomes often come with frustration, uncertainty, and moments where it feels easier to give up. The lesson is simple and powerful. If something feels right, staying with it and trusting the process often matters more than speed. These Reflections of 2025 highlight how resilience is built through lived experience, not theory.     Ian shares deeply personal insights around family, vision, and legacy. One of the most meaningful parts of his year has been the progress made toward creating an assisted living home for his son. What began as a vision shared with clients and peers has slowly taken shape through conversations, introductions, and aligned support. This journey reinforces a theme that runs throughout the episode. When you are clear on what matters and willing to speak it out loud, the right people often appear at the right time. Reflections of 2025 show that vision creates movement long before results are visible.     Professionally, the discussion turns to the evolution of The MSP Growth Hub and the lessons learned from working closely with MSP owners throughout the year. Ian reflects on how challenging sales and marketing have felt at times, particularly as buyer behaviour continues to shift. Funnels dried up during parts of the year, engagement patterns changed, and familiar tactics stopped delivering the same results. Rather than seeing this as failure, these Reflections of 2025 frame it as feedback. Listening more closely to clients, paying attention to how people are buying, and staying consistent with helpful content has proven more valuable than chasing quick wins.     Stuart shares his professional highlight of the year, which has been building greater scalability and resilience into the Growth Hub. Expanding the team, strengthening delivery frameworks, and creating clearer structures has allowed more MSPs to be supported without Ian and Stuart becoming bottlenecks. These Reflections of 2025 underline an important truth for MSP owners. Sustainable growth comes from systems, people, and rhythm, not heroic effort.     Both hosts speak about the privilege of watching clients grow not only in revenue, but in confidence, clarity, and leadership. Seeing MSP owners pay off debt, hire with confidence, improve cash flow, and regain control of their time has been one of the most rewarding outcomes of the year. These Reflections of 2025 remind listeners that numbers matter, though personal growth and resilience often come first.     The conversation also explores frustration. Ian and Stuart are honest about wanting to help more people and feeling impatient at times with the pace of impact. There is recognition that consistency matters deeply, whether in marketing, leadership, or personal health. Stopping and starting creates drag, while steady effort compounds quietly over time. Reflections of 2025 reinforce that progress rarely comes from dramatic change. It comes from repeated, intentional action.     Health and wellbeing feature strongly in the closing reflections. Stuart shares lessons learned from supporting family through illness and recovery, highlighting the importance of strength, resilience, and looking after yourself long before you need to. Ian echoes this, reflecting on how physical health underpins the ability to show up for family, business, and life. These Reflections of 2025 gently remind listeners that success without health is fragile.    As the episode closes, Ian and Stuart thank listeners for their continued support and trust. The podcast exists to help MSP owners feel less alone, gain clarity, and make better decisions. These Reflections of 2025 are an invitation to pause, take stock, and move forward with intention into the year ahead.    Make sure to check out our Ultimate MSP Growth Guide, a free guide that walks you through a proven process to take your MSP from stuck to scalable, without working even more hours. It's 44 pages rammed with advice, insights and inspiration to help you decide what support is available to you now if you want to grow and scale your business. Click HERE to get your copy.  Connect on LinkedIn HERE with Ian and also with Stuart by clicking this LINK  And when you're ready to take the next step in growing your MSP, come and take the Scale with Confidence MSP Mastery Quiz. In just three minutes, you'll get a 360-degree scan of your MSP and identify the one or two tactics that could help you find more time, engage & align your people and generate more leads.  OR   To join our amazing Facebook Group of over 400 MSPs where we are helping you Scale Up with Confidence, then click HERE  Until next time, look after yourself and I'll catch up with you soon!   

Let's Chat!!Boo, Bitches!In this episode of C3: Crystals, Cauldrons & Cocktails, River sits down with a fully clairvoyant medium who's been seeing dead people since childhood—and spoiler alert: the spirits have zero chill.We talk about growing up sensitive in a world that didn't understand it, what it's really like to be clairvoyant, how mediumship actually works (no Hollywood jump scares required), and why acceptance - of yourself, your gifts, and the weird stuff you can't explain—is kind of everything.This isn't just ghost stories and spooky vibes (though yes, there are plenty). It's an honest, blunt, sometimes funny, sometimes emotional conversation about intuition, spirit communication, shutting your gifts down for survival, and what happens when you finally let them back online.Pull up a cocktail, thin the veil responsibly, and join us for a conversation with someone who talks to the dead so you don't have to.Support the showUntil then, Stay Witchy!!River's Etsy Store: www.batsandbaublesinc.etsy.comWebsite: www.c3witchypodcast.comMerch: www.c3witchypodcastmerch.comOur wonderful logo is done by: www.nellamarinadraws.etsy.comIntro and Outro Audio:podcast intro & outro music:Góða Nótt by Alexander NakaradaLink: https://filmmusic.io/song/4754-g-a-n-ttLicense: https://filmmusic.io/standard-liceSound from Zapsplat.com – Witches Cauldrons bubbling

About the Book: Riptides: Book 2 of the Caines Island StoriesCallie has become successful: her marriage remains vibrant, her business is flourishing, her daughter is doing well, she still has her lifelong friends, and the island hasn't undergone any major changes. But life isn't static. She begins to experience losses and subtle changes in her relationship with her daughter, Kim.Kim has landed her dream job as a nurse practitioner, working with individuals with mental illness. She marries and starts a family. But she too, faces challenges. Herr husband isn't who she thought he was. Professionally. Kim becomes frustrated with the corporate influence in healthcare which seems to ignore the needs of her marginalized patients.Intertwined with Callie's and Kim's individual stories are episodes in US history that alternately offer hope or despair at the world order. Riptides brings to light many of the challenges faced by women and other marginalized groups. But there is always hope as the small island community bands together.https://sherrycomstock.com/About the AuthorSherry and her husband live in the Triad region of North Carolina. Recently retired from nursing, she is pursuing her second career as an author. Her creative nonfiction piece “A Bend in the Road” appeared in the Burlington Writers Club Anthology Still Writing in 2021. Sherry published her memoir, A Crazy Quilt Life in 2022. Another creative nonfiction piece, “Journey to Living” appeared in the LIGHT journal in July 2023. When not writing, Sherry is working in her flower beds or visiting her children and grandchildren. She is currently working on the second book in the Caines Island Stories which follows Callie into the late 1990s.

Why Customer Success Can't Be Automated (And What AI Can Actually Do) In this special year-end episode of the FutureCraft GTM Podcast, hosts Ken Roden and Erin Mills sit down with Amanda Berger, Chief Customer Officer at Employ, to tackle the biggest question facing CS leaders in December 2026: What can AI actually do in customer success, and where do humans remain irreplaceable? Amanda brings 20+ years at the intersection of data and human decision-making—from AI-powered e-commerce personalization at Rich Relevance, to human-led security at HackerOne, to now implementing AI companions for recruiters. Her journey is a masterclass in understanding where the machine ends and the human begins. This conversation delivers hard truths about metrics, change management, and the future of CS roles—plus Amanda's controversial take that "if you don't use AI, AI will take your job." Unpacking the Human vs. Machine Balance in Customer Success Amanda returns with a reality check: AI doesn't understand business outcomes or motivation—humans do. She reveals how her career evolved from philosophy major studying "man versus machine" to implementing AI across radically different contexts (e-commerce, security, recruiting), giving her unique pattern recognition about what AI can genuinely do versus where it consistently fails. The Lagging Indicator Problem: Why NRR, churn, and NPS tell you what already happened (6 months ago) instead of what you can influence. Amanda makes the case for verified outcomes, leading indicators, and real-time CSAT at decision points. The 70% Rule for CS in Sales: Why most churn starts during implementation, not at renewal—and exactly when to bring CS into the deal to prevent it (technical win stage/vendor of choice). Segmentation ≠ Personalization: The jumpsuit story that proves AI is still just sophisticated bucketing, even with all the advances in 2026. True personalization requires understanding context, motivation, and individual goals. The Delegation Framework: Don't ask "what can AI do?" Ask "what parts of my job do I hate?" Delegate the tedious (formatting reports, repetitive emails, data analysis) so humans can focus on what makes them irreplaceable. Timestamps 00:00 - Introduction and AI Updates from Ken & Erin 01:28 - Welcoming Amanda Berger: From Philosophy to Customer Success 03:58 - The Man vs. Machine Question: Where AI Ends and Humans Begin 06:30 - The Jumpsuit Story: Why AI Personalization Is Still Segmentation 09:06 - Why NRR Is a Lagging Indicator (And What to Measure Instead) 12:20 - CSAT as the Most Underrated CS Metric 17:34 - The $4M Vulnerability: House Security Analogy for Attribution 21:15 - Bringing CS Into Sales at 70% Probability (The Non-Negotiable) 25:31 - Getting Customers to Actually Tell You Their Goals 28:21 - AI Companions at Employ: The Recruiting Reality Check 32:50 - The Delegation Mindset: What Parts of Your Job Do You Hate? 36:40 - Making the Case for Humans in an AI-First World 40:15 - The Framework: When to Use Digital vs. Human Touch 43:10 - The 8-Hour Workflow Reduced to 30 Minutes (Real ROI Examples) 45:30 - By 2027: The Hardest CX Role to Hire 47:49 - Lightning Round: Summarization, Implementation, Data Themes 51:09 - Wrap-Up and Key Takeaways Edited Transcript Introduction: Where Does the Machine End and Where Does the Human Begin? Erin Mills: Your career reads like a roadmap of enterprise AI evolution—from AI-powered e-commerce personalization at Rich Relevance, to human-powered collective intelligence at HackerOne, and now augmented recruiting at Employ. This doesn't feel random—it feels intentional. How has this journey shaped your philosophy on where AI belongs in customer experience? Amanda Berger: It goes back even further than that. I started my career in the late '90s in what was first called decision support, then business intelligence. All of this is really just data and how data helps humans make decisions. What's evolved through my career is how quickly we can access data and how spoon-fed those decisions are. Back then, you had to drill around looking for a needle in a haystack. Now, does that needle just pop out at you so you can make decisions based on it? I got bit by the data bug early on, realizing that information is abundant—and it becomes more abundant as the years go on. The way we access that information is the difference between making good business decisions and poor business decisions. In customer success, you realize it's really just about humans helping humans be successful. That convergence of "where's the data, where's the human" has been central to my career. The Jumpsuit Story: Why AI Personalization Is Still Just Segmentation Ken Roden: Back in 2019, you talked about being excited for AI to become truly personal—not segment-based. Flash forward to December 2026. How close are we to actual personalization? Amanda Berger: I don't think we're that close. I'll give you an example. A friend suggested I ask ChatGPT whether I should buy a jumpsuit. So I sent ChatGPT a picture and my measurements. I'm 5'2". ChatGPT's answer? "If you buy it, you should have it tailored." That's segmentation, not personalization. "You're short, so here's an answer for short people." Back in 2019, I was working on e-commerce personalization. If you searched for "black sweater" and I searched for "black sweater," we'd get different results—men's vs. women's. We called it personalization, but it was really segmentation. Fast forward to now. We have exponentially more data and better models, but we're still segmenting and calling it personalization. AI makes segmentation faster and more accessible, but it's still segmentation. Erin Mills: But did you get the jumpsuit? Amanda Berger: (laughs) No, I did not get the jumpsuit. But maybe I will. The Philosophy Degree That Predicted the Future Erin Mills: You started as a philosophy major taking "man versus machine" courses. What would your college self say? And did philosophy prepare you in ways a business degree wouldn't have? Amanda Berger: I actually love my philosophy degree because it really taught me to critically think about issues like this. I don't think I would have known back then that I was thinking about "where does the machine end and where does the human begin"—and that this was going to have so many applicable decision points throughout my career. What you're really learning in philosophy is logical thought process. If this happens, then this. And that's fundamentally the foundation for AI. "If you're short, you should get your outfit tailored." "If you have a customer with predictive churn indicators, you should contact that customer." It's enabling that logical thinking at scale. The Metrics That Actually Matter: Leading vs. Lagging Indicators Erin Mills: You've called NRR, churn rate, and NPS "lagging indicators." That's going to ruffle boardroom feathers. Make the case—what's broken, and what should we replace it with? Amanda Berger: By the time a customer churns or tells you they're gonna churn, it's too late. The best thing you can do is offer them a crazy discount. And when you're doing that, you've already kind of lost. What CS teams really need to be focused on is delivering value. If you deliver value—we all have so many competing things to do—if a SaaS tool is delivering value, you're probably not going to question it. If there's a question about value, then you start introducing lower price or competitors. And especially in enterprise, customers decide way, way before they tell you whether they're gonna pull the technology out. You usually miss the signs. So you've gotta look at leading indicators. What are the signs? And they're different everywhere I've gone. I've worked for companies where if there's a lot of engagement with support, that's a sign customers really care and are trying to make the technology work—it's a good sign, churn risk is low. Other companies I've worked at, when customers are heavily engaged with support, they're frustrated and it's not working—churn risk is high. You've got to do the work to figure out what those churn indicators are and how they factor into leading indicators: Are they achieving verified outcomes? Are they healthy? Are there early risk warnings? CSAT: The Most Underrated Metric Ken Roden: You're passionate about customer satisfaction as a score because it's granular and actionable. Can you share a time where CSAT drove a change and produced a measurable business result? Amanda Berger: I spent a lot of my career in security. And that's tough for attribution. In e-commerce, attribution is clear: Person saw recommendations, put them in cart, bought them. In hiring, their time-to-fill is faster—pretty clear. But in security, it's less clear. I love this example: We all live in houses, right? None of our houses got broken into last night. You don't go to work saying, "I had such a good night because my house didn't get broken into." You just expect that. And when your house didn't get broken into, you don't know what to attribute that to. Was it the locked doors? Alarm system? Dog? Safe neighborhood? That's true with security in general. You have to really think through attribution. Getting that feedback is really important. In surveys we've done, we've gotten actionable feedback. Somebody was able to detect a vulnerability, and we later realized it could have been tied to something that would have cost $4 million to settle. That's the kind of feedback you don't get without really digging around for it. And once you get that once, you're able to tie attribution to other things. Bringing CS Into the Sales Cycle: The 70% Rule Erin Mills: You're a religious believer in bringing CS into the sales cycle. When exactly do you insert CS, and how do you build trust without killing velocity? Amanda Berger: With bigger customers, I like to bring in somebody from CX when the deal is at the technical win stage or 70% probability—vendor of choice stage. Usually it's for one of two reasons: One: If CX is gonna have to scope and deliver, I really like CX to be involved. You should always be part of deciding what you're gonna be accountable to deliver. And I think so much churn actually starts to happen when an implementation goes south before anyone even gets off the ground. Two: In this world of technology, what really differentiates an experience is humans. A lot of our technology is kind of the same. Competitive differentiation is narrower and narrower. But the approach to the humans and the partnership—that really matters. And that can make the difference during a sales cycle. Sometimes I have to convince the sales team this is true. But typically, once I'm able to do that, they want it. Because it does make a big difference. Technology makes us successful, but humans do too. That's part of that balance between what's the machine and what is the human. The Art of Getting Customers to Articulate Their Goals Ken Roden: One challenge CS teams face is getting customers to articulate their goals. Do customers naturally say what they're looking to achieve, or do you have a process to pull it out? Amanda Berger: One challenge is that what a recruiter's goal is might be really different than what the CFO's goal is. Whose outcome is it? One reason you want to get involved during the sales cycle is because customers tell you what they're looking for then. It's very clear. And nothing frustrates a company more than "I told you that, and now you're asking me again? Why don't you just ask the person selling?" That's infuriating. Now, you always have legacy customers where a new CSM comes in and has to figure it out. Sometimes the person you're asking just wants to do their job more efficiently and can't necessarily tie it back to the bigger picture. That's where the art of triangulation and relationships comes in—asking leading discovery questions to understand: What is the business impact really? But if you can't do that as a CS leader, you probably won't be successful and won't retain customers for the long term. AI as Companion, Not Replacement: The Employ Philosophy Erin Mills: At Employ, you're implementing AI companions for recruiters. How do you think about when humans are irreplaceable versus when AI should step in? Amanda Berger: This is controversial because we're talking about hiring, and hiring is so close to people's hearts. That's why we really think about companions. I earnestly hope there's never a world where AI takes over hiring—that's scary. But AI can help companies and recruiters be more efficient. Job seekers are using AI. Recruiters tell me they're getting 200-500% more applicants than before because people are using AI to apply to multiple jobs quickly or modify their resumes. The only way recruiters can keep up is by using AI to sort through that and figure out best fits. So AI is a tool and a friend to that recruiter. But it can't take over the recruiter. The Delegation Framework: What Do You Hate Doing? Ken Roden: How do you position AI as companion rather than threat? Amanda Berger: There's definitely fear. Some is compliance-based—totally justifiable. There's also people worried about AI taking their jobs. I think if you don't use AI, AI is gonna take your job. If you use AI, it's probably not. I've always been a big fan of delegation. In every aspect of my life: If there's something I don't want to do, how can I delegate it? Professionally, I'm not very good at putting together beautiful PowerPoint presentations. I don't want to do it. But AI can do that for me now. Amazingly well. What I'm really bad at is figuring out bullets and formatting. AI does that. So I think about: What are the things I don't want to do? Usually we don't want to do the things we're not very good at or that are tedious. Use AI to do those things so you can focus on the things you're really good at. Maybe what I'm really good at is thinking strategically about engaging customers or articulating a message. I can think about that, but AI can build that PowerPoint. I don't have to think about "does my font match here?" Take the parts of your job that you don't like—sending the same email over and over, formatting things, thinking about icebreaker ideas—leverage AI for that so you can do those things that make you special and make you stand out. The people who can figure that out and leverage it the right way will be incredibly successful. Making the Case to Keep Humans in CS Ken Roden: Leaders face pressure from boards and investors to adopt AI more—potentially leading to roles being cut. How do you make the case for keeping humans as part of customer success? Amanda Berger: AI doesn't understand business outcomes and motivation. It just doesn't. Humans understand that. The key to relationships and outcomes is that understanding. The humanity is really important. At HackerOne, it was basically a human security company. There are millions of hackers who want to identify vulnerabilities before bad actors get to them. There are tons of layers of technology—AI-driven, huge stacks of security technology. And yet no matter what, there's always vulnerabilities that only a human can detect. You want full-stack security solutions—but you have to have that human solution on top of it, or you miss things. That's true with customer success too. There's great tooling that makes it easier to find that needle in the haystack. But once you find it, what do you do? That's where the magic comes in. That's where a human being needs to get involved. Customer success—it is called customer success because it's about success. It's not called customer retention. We do retain through driving success. AI can point out when a customer might not be successful or when there might be an indication of that. But it can't solve that and guide that customer to what they need to be doing to get outcomes that improve their business. What actually makes success is that human element. Without that, we would just be called customer retention. The Framework: When to Use Digital vs. Human Touch Erin Mills: We'd love to get your framework for AI-powered customer experience. How do you make those numbers real for a skeptical CFO? Amanda Berger: It's hard to talk about customer approach without thinking about customer segmentation. It's very different in enterprise versus a scaled model. I've dealt with a lot of scale in my last couple companies. I believe that the things we do to support that long tail—those digital customers—we need to do for all customers. Because while everybody wants human interaction, they don't always want it. Think about: As a person, where do I want to interact digitally with a machine? If it's a bot, I only want to interact with it until it stops giving me good answers. Then I want to say, "Stop, let me talk to an operator." If I can find a document or video that shows me how to do something quickly rather than talking to a human, it's human nature to want to do that. There are obvious limits. If I can change my flight on my phone app, I'm gonna do that rather than stand at a counter. Come back to thinking: As a human, what's the framework for where I need a human to get involved? Second, it's figuring out: How do I predict what's gonna happen with my customers? What are the right ways of looking and saying "this is a risk area"? Creating that framework. Once you've got that down, it's an evolution of combining: Where does the digital interaction start? Where does it stop? What am I looking for that's going to trigger a human interaction? Being able to figure that out and scale that—that's the thing everybody is trying to unlock. The 8-Hour Workflow Reduced to 30 Minutes Erin Mills: You've mentioned turning some workflows from an 8-hour task to 30 minutes. What roles absorbed the time dividend? What were rescoped? Amanda Berger: The roles with a lot of repetition and repetitive writing. AI is incredible when it comes to repetitive writing and templatization. A lot of times that's more in support or managed services functions. And coding—any role where you're coding, compiling code, or checking code. There's so much efficiency AI has already provided. I think less so on the traditional customer success management role. There's definitely efficiencies, but not that dramatic. Where I've seen it be really dramatic is in managed service examples where people are doing repetitive tasks—they have to churn out reports. It's made their jobs so much better. When they provide those services now, they can add so much more value. Rather than thinking about churning out reports, they're able to think about: What's the content in my reports? That's very beneficial for everyone. By 2027: The Hardest CX Role to Hire Erin Mills: Mad Libs time. By 2027, the hardest CX job to hire will be _______ because of _______. Amanda Berger: I think it's like these forward-deployed engineer types of roles. These subject matter experts. One challenge in CS for a while has been: What's the value of my customer success manager? Are they an expert? Or are they revenue-driven? Are they the retention person? There's been an evolution of maybe they need to be the expert. And what does that mean? There'll continue to be evolution on that. And that'll be the hardest role. That standard will be very, very hard. Lightning Round Ken Roden: What's one AI workflow go-to-market teams should try this week? Amanda Berger: Summarization. Put your notes in, get a summary, get the bullets. AI is incredible for that. Ken Roden: What's one role in go-to-market that's underusing AI right now? Amanda Berger: Implementation. Ken Roden: What's a non-obvious AI use case that's already working? Amanda Berger: Data-related. People are still scared to put data in and ask for themes. Putting in data and asking for input on what are the anomalies. Ken Roden: For the go-to-market leader who's not seeing value in AI—what should they start doing differently tomorrow? Amanda Berger: They should start having real conversations about why they're not seeing value. Take a more human-led, empathetic approach to: Why aren't they seeing it? Are they not seeing adoption, or not seeing results? I would guess it's adoption, and then it's drilling into the why. Ken Roden: If you could DM one thing to all go-to-market leaders, what would it be? Amanda Berger: Look at your leading indicators. Don't wait. Understand your customer, be empathetic, try to get results that matter to them. Key Takeaways The Human-AI Balance in Customer Success: AI doesn't understand business outcomes or motivation—humans do. The winning teams use AI to find patterns and predict risk, then deploy humans to understand why it matters and what strategic action to take. The Lagging Indicator Trap: By the time NRR, churn rate, or NPS move, customers decided 6 months ago. Focus on leading indicators you can actually influence: verified outcomes, engagement signals specific to your business, early risk warnings, and real-time CSAT at decision points. The 70% Rule: Bring CS into the sales cycle at the technical win stage (70% probability) for two reasons: (1) CS should scope what they'll be accountable to deliver, and (2) capturing customer goals early prevents the frustrating "I already told your sales rep" moment later. Segmentation ≠ Personalization: AI makes segmentation faster and cheaper, but true personalization requires understanding context, motivation, and individual circumstances. The jumpsuit story proves we're still just sophisticated bucketing, even with 2026's advanced models. The Delegation Framework: Don't ask "what can AI do?" Ask "what parts of my job do I hate?" Delegate the tedious (formatting, repetitive emails, data analysis) so humans can focus on strategy, relationships, and outcomes that only humans can drive. "If You Don't Use AI, AI Will Take Your Job": The people resisting AI out of fear are most at risk. The people using AI to handle drudgery and focusing on what makes them irreplaceable—strategic thinking, relationship-building, understanding nuanced goals—are the future leaders. Customer Success ≠ Customer Retention: The name matters. Your job isn't preventing churn through discounts and extensions. Your job is driving verified business outcomes that make customers want to stay because you're improving their business. Stay Connected To listen to the full episode and stay updated on future episodes, visit the FutureCraft GTM website. Connect with Amanda Berger: Connect with Amanda on LinkedIn Employ Disclaimer: This podcast is for informational and entertainment purposes only and should not be considered advice. The views and opinions expressed in this podcast are our own and do not represent those of any company or business we currently work for/with or have worked for/with in the past.

Aubrey Masango speaks to Linda Gcwabe, Financial education expert, at Nedbank to discuss how you can set goals that actually stick financially, professionally, and personally and how you can move into the new year with intention. Tags: 702, Aubrey Masango show, Aubrey Masango, Bra Aubrey, Linda Gcwabe, Personal finance, Budget, Savings, Investments The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

What if success was less about status and more about gratitude, service, and love? In this Unstoppable Mindset conversation, I talk with strategist and social media influencer Cynthia Washington about climbing and then stepping away from the corporate ladder, choosing a “socio economic experiment” that stripped life back to the basics, and discovering what really matters. You'll hear how growing up in Pasadena, studying at Cal Poly Pomona and Columbia Business School, and working with brands like Enterprise and Zions Bank all led Cynthia to a life centered on emotional intelligence, mentoring young women in tech, and leading with heart. I believe you'll come away seeing gratitude, leadership, and your own potential to be unstoppable in a very different light. Highlights: 00:09 – Explore how early life experiences influence the values that guide personal and professional growth.02:59 – Learn how changing direction can uncover the strengths that shape long-term leadership.05:29 – See how pivotal transitions help define a clearer sense of purpose.10:07 – Discover what stepping away from convention reveals about identity and success.20:05 – Reflect on how redefining success can shift your entire approach to work and life.22:13 – Learn how a grounded mindset practice strengthens resilience and clarity.34:25 – Explore how personal evolution can grow into a mission to empower the next generation.59:11 – Gain a new perspective on how we perceive ability, inclusion, and human potential. About the Guest: Cynthia Washington: Bridging Societal Gaps Through Leadership, Influence, and Love Cynthia Washington is an accomplished business professional, an award-winning leader, and international influencer whose life and career embodies resilience, vision, and compassion.  While studying at Columbia University, she embarked on a socio-economic experiment, which became her reality, highlighting her journey across her social media platforms in hope of sharing her deep commitment to bridge societal gaps and create a better world—one love style, one courageous step at a time.  A proud Park City local of more than twenty years, Cynthia's story begins in Southern California, where she grew up between the San Gabriel Mountains and the beaches of Malibu.  Her cousins called her “Malibu Barbie,” and her stepbrother called her “Love.”  Rooted in her values and guided by her heart, Cynthia's story is not only one of success but of transformation—a legacy driven by her belief that we deserve better. Cynthia leads with integrity and authenticity. She continues to expand her global network of leadership, uniting hearts and minds to inspire lasting, positive change on the right side of history with a framework of faith, family and fun that is built on a foundation of love, kindness, compassion and a hope for peace. One Love, Bob Marley style. Professionally, Cynthia Washington stands at the intersection of strategy, leadership, and emotional intelligence. An agile and results-driven leader, she has distinguished herself through her ability to combine quantitative intuition with deep empathy—qualities that make her both a visionary and a unifier. Known for her collaborative leadership style, she excels in developing teams, leading organizational change, and driving sales performance across diverse industries. Her strategic mindset and exceptional communication skills have made her a trusted partner to executives and innovators alike. Cynthia's work fosters meaningful engagement between employees and senior leaders, helping organizations align vision with values. Through her global portfolio of projects, she has sharpened her expertise in marketing, leadership development, and brand transformation, helping companies from Park City to Silicon Slopes and across international markets thrive. Her career is a testament to excellence, purpose, and adaptability—qualities that have earned her numerous accolades and the respect of peers worldwide. Among her many achievements, Cynthia was honored as a SheTech Champion Impact Award Recipient at the Women Tech Awards, celebrating her leadership, mentorship, and dedication to empowering young women in technology. For more than five years, she has stood alongside thousands of high school students—mentoring, volunteering, and serving as a role model for the next generation of innovators. Motivated by her desire to create a better world for her daughter, she embarked on what she lovingly calls her “mom mission”—a service journey dedicated to making her community and the world around her better. During her sabbatical from Silicon Valley into this transformative period, Cynthia launched LVL UP with CW, her brand, leveraging her expertise to help local and global businesses grow, evolve, and thrive. As an international social media influencer, she has used her platform not for fame or recognition, but for global impact, sharing messages of resilience, hope, and empowerment. This work is a lesson of intersectionality and bridges the worlds of fashion, sports, philanthropy, business, money, technology, spirituality, global preservation, health and wellness in hopes of leveling up and shifting the societal norms. She has partnered with brands across industries to elevate visibility, deepen engagement, and build authentic customer connections. Through brand ambassador relationships, social media management, and content creation, Cynthia has amplified voices, strengthened communities, and showcased how influence, when rooted in integrity, is a force for good. That same belief shines through in Cynthia Washington's powerful memoir, Mind Matters: The Story of My Life. Written during her sabbatical, the respectfully honest memoir captures her life's “grind with grit” story. The cover, graced by her daughter's original artwork, wraps her book with a big thank you hug, encapsulating the power of love that anchors Cynthia's bold voyage.  Mind Matters explores her corporate climb and fall, her studies at Columbia University, her travels across the United States with her daughter, the Aloha spirit of Hawaii, and her experiences in Hollywood and the music industry. Interwoven through these chapters are stories of friendship, including her personal connections with cultural icons like Eminem and Kobe Bryant, whose wisdom and creativity shaped what Cynthia calls The Trifecta - a guiding philosophy built on Kobe's Mamba Mentality, the music of Eminem, and her own life's work. Three forces that together drive her vision and her ability to live her socio-economic experiment proving money is a tool and the real power is in the mind. “You can do anything you set your mind to, man” - Eminem Mind Matters: The Story of My Life is available on Amazon and other major online retailers and can also be ordered through local bookstores. The memoir has been nominated for The Eric Hoffer Award for Excellence in Independent Publishing, a recognition of both its literary merit and its heartfelt message of perseverance. Yet, true to her character, Cynthia did not embark on this journey for fame or recognition—she wrote it to give back, to inspire, and to remind readers everywhere that no matter where you come from, with a healthy positive mindset you too can change the trajectory of your life. Beyond her work as an author and international leader, Cynthia lives a simple life.  She is a mom, a trailblazer, and an advocate, representing many initiatives that level up society and bridge societal gaps. She turned her pain into her strength and used that as fuel to ignite a movement.  Her heart is full of gratitude for all the bands and their aid, as they played a meaningful role in inspiring the Band Aid, a global movement for unity and peace that emerged during a time when the world needed hope most. A true Band Aid. Ways to connect with Cynthia**:** Instagram https://www.instagram.com/misscdub Linkedin  https://www.linkedin.com/in/cynthia-washington-1b13a265 Amazon https://www.amazon.com/Mind-Matters-Story-My-Life/dp/B0DJRPQTY2 About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes: Michael Hingson  00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us. Hi everyone. Welcome to another episode of unstoppable mindset. We're glad you're with us today, wherever you happen to be, hope you're having a good day, and hope that we can inspire you and make this a fun time for you as well. Our guest today is Cynthia Washington. Cynthia describes herself as standing at the intersection of strategy, leadership and an emotional intelligence, and I know that she's going to talk more about that and what what brought her to come to that conclusion, but I've been looking at her information. I think she's got a lot of interesting stuff to talk to us about, and we'll get to it. But for now, Cynthia, welcome to unstoppable mindset. We're glad you're here. Cynthia Washington  02:05 Oh, thank you, Michael. I appreciate being here and spending this time with you today, and I'm looking forward to our conversation. Michael Hingson  02:13 Well, I am as well. Well, why don't we start? I love to start this way with the the early Cynthia, if you will. Cynthia Washington  02:20 Of course, yes, the early Cynthia. I grew up in Pasadena, California, that Southern California, near the Rose Bowl in the San Gabriel Mountains. I attended an all girls private Catholic school for my seventh to 12th grades. I attended also Cal Poly Pomona, where I studied international business and marketing. And I love everything Southern California. I've always had this dream of living in Park City, and I ended up coming here in when was it 2004 so I've been here almost 21 years. Michael Hingson  03:04 So when you were at Cal Poly, did you help build the Rose Parade Float? Cynthia Washington  03:09 I did not build the Rose Parade Float, even though both Cal Poly San Luis Obispo and Cal Poly Pomona do a collaborative effort to build one every year since I grew up with the Rose Parade in my backyard, I had my own special moments with that. I always wanted to be on the Rose Parade court, and so my mom put me into a many different pageants, which helped prepare me and built my confidence so that I could be the person I am today. And I'm forever grateful for that experience like sports, it teaches you about competition, failure and set you up for success. Michael Hingson  04:05 Yes. And again, what did you study at Cal Poly, Cynthia Washington  04:10 international business and marketing? Okay, I originally started in microbiology. I had finished with the intention to become a doctor, and realized I could not stomach blood or needles, and so I quickly changed my major once I made that realization, and I changed my major to English, because I love reading Shakespeare Books. Everything is just so fascinating, fascinating about the English language and its literature. So I studied that for a little while, my father told me that I needed to do something different, and therefore I changed my major to international business and marketing. Michael Hingson  05:00 Hmm, that was different than English by any standard. Yeah. Cynthia Washington  05:06 So it was definitely different. Well, he is a businessman, a banker, and I think you know, for him, it was important for me to kind of follow in those footsteps, which I have, ironically, and I'm forever grateful for him for pushing me in a different direction, I use all three though, the science, the technology, the English and the international business skills in my current role, so, or roles, Michael Hingson  05:37 well, so you graduated. Did you go on and get any advanced degrees or just a bachelor's? Cynthia Washington  05:43 Oh, well, I did. It took me a while, too, though. I recently, in 2022 applied to Columbia University, actually Columbia Business School, and I completed their chief marketing officer executive education program with a Certificate in Business Excellence from Columbia Business School. So yes, I did eventually go back to school. However, I had a few careers in and amongst that along my path and my journey, which helped me have a more well rounded knowledge, yeah, to enter into that up advanced learning. Michael Hingson  06:35 So what did you do after you graduated from Cal Poly? Cynthia Washington  06:40 After I graduated from Cal Poly, I took a gap year, to be honest, and in that gap year, I learned so much about myself. I intersected with Hollywood for a brief moment in time, developed some really great, lasting friendships that have surpassed time. In addition to that, I skied, I snowboard, I learned to surf, and did all the things that I just needed to do as a California girl, yes, it was quite fun and bolted me into the person I am today. With that being said, I once again, had my father reminding me that it was time to get a job, and so I ventured into the management trainee program with enterprise run a car, climbed that corporate ladder, eventually having a territory from Santa Barbara to San Diego that I managed and oversaw a team inside one of our insurance partners headquarters, Which was really amazing opportunity. Then that took me, with a relocation package to Utah with my husband and our newborn baby to come and plant roots. Here he they enterprise was ahead of times in the fact that they wanted to harvest talent from different parts of the United States to strengthen the team they were building in Utah. My husband and I at the time, were part of that strategy, which was really an amazing opportunity, because I was one of a handful women managers that were brought on to the Utah team, and we were able to establish ourselves as influencers and leaders to help grow the women leadership network within Utah and Idaho for enterprise. Michael Hingson  09:14 You said, early I'm sorry. Go ahead. Go ahead. You said early on that you always wanted to go to Park City. Why was that? Sounds like, you know, you got to live your dream. But why was that? Yes. Cynthia Washington  09:26 Well, my father worked a lot, and for him to disconnect from work, we would come and visit Park City or travel to Hawaii. Well, we summer it every summer in Kauai for the month of July. So to contrast that we had time in Park City, Utah before it was what it has become, which was really fascinating. And I loved having the exposure to the Four Seasons and just the. Um, simple life that park city offered was really refreshing, coming from the hustle and bustle of Downtown LA and being in the city, it was just something I dreamt of, and I'm so grateful to have lived that dream, to be here and have to and to have raised my daughter here as well Michael Hingson  10:27 makes sense. And as I said, you now get to live your dream. You're living where you wanted to, and you've been there now for, like, 21 years, and you sound like you haven't changed your mind, you're very happy with it. Cynthia Washington  10:43 Yes, you know, my daughter's graduating college soon, and perhaps maybe I'll think of another location to move to. But for now, this is what I call home. This is where I've planted my my seeds and my roots for our little single mom family. So yeah, it's been great. Michael Hingson  11:06 Well, so you you say that you lived a social, socio economic experiment. Tell me more about what that means. Yes. Cynthia Washington  11:19 So while at Columbia University, I opted to live a socio economic experience to contrast the life that I grew up with. So as I mentioned, I attended Cal Poly, worked with enterprise, had a great career with them. When I came to Utah, I kept that career. After my divorce, I began another career at America first credit union. I saw, I saw that I needed to take a step back from the career world, and so I took a 20 hour teller position as I was figuring out my relationship with my husband and determining our next steps. And so once that was dissolved, I had this great team who saw my leadership skills and helped me climb another corporate ladder. After a few years one of my previous colleagues came to me and asked me to venture into Silicon Valley, doing business in Utah with a team, a Medicare sales team that I managed, and that was quite fascinating, talk about baptism by fire. I learned all things Medicare on the fly, and had a really amazing opportunity with that. And so I have steadily over time, climbed three different corporate ladders, made excellent income, six figures, generously raising my daughter here in Utah, and it has always been in the back of my mind to understand life from a different lens, to understand it with a different perspective. And so as a result, when I was in the Columbia application process, I had become really, really, really sick, deathly sick, I like to say I was on my death bed when I applied to Colombia because I was surviving on water and pressed juices for a little over a month, because I was having some difficulties internally. And so while I had that downtime, I had a lot of time to think, and it was important to me to apply at Columbia. Well, I originally applied to Northwestern and they recommended me to Columbia. And so when I did my Columbia application, it was important for me not to just take the northwestern recommendation, but to also set myself apart. And I thought, well, the socio economic experiment would be great at something I've been thinking about, you know, living life through a different lens. I had the savings built up so that I could do so. And I thought, Yes, I can do this. I can You can do anything you set your mind to. Quote. Eminem, I did. I did that. I lived it. I abandoned my ego, I abandoned all the luxurious items that I had, and lived this truly simple life. And it was quite fascinating, because the more I trusted that process, the more I grew and became still and trusted God's guidance in this journey that I was creating. Fast forward through the social media aspect of everything, I was reminded of some Hollywood friends that I had forgotten about, to be honest. And I don't know how you forget about them, but I did, because I never really spoke about those tender moments I had, and cherish them within my heart and my soul. But I was overcoming this really traumatic experience, a bad, bad relationship that put me into hiding, yet with being at Columbia, living the socio economic experiment and sharing my life through my social media influencer role, my Hollywood friends found me in a time of need, and through this reintroduction, I was reminded of a night I like to coin as dream night, and I call it dream night because that's the night I met Marshall Mathers, who the world knows as Eminem, and he and I were from completely different aspects of life, with completely different perspectives on life, and yet, when we met, we intersected. I was leaving Hollywood, he was coming into it, and we spent together, as silly as it sounds, playing beer pong, thinking through all of the world's problems. And in that conversation, I had mentioned that one day I was going to go to Columbia, and one day I was going to live the socio economic experiment so that I could help the world. And you know, he envisioned his dream of becoming this rap star, and together, we would reunite our forces for good to help elevate the world. And I forgot about this moment in time, to be quite honest, I just continued on a path that I naturally was creating when I was younger, because before meeting Marshall, I had met Kobe Bryant while I was a student graduating Cal Poly, and he was new, upcoming rising superstar into basketball. He had his eye on Vanessa. Her group of friends were very smart, and he knew he needed to knowledge up to get his girl. And so here I was this book smart girl, kind of hanging out in Hollywood. I had worked a job at Staples Center, because I love the Lakers, and it was really cool. I, you know, had me more court side than it did have me working because I gave away more of my tables, and I did actually work to spend time building these relationships with Kobe and the Lakers, which I'm so forever grateful for, and because Kobe recognized my book smart, his spotlight and together, we would have these Kobe talks, which ultimately built the framework for Mama mentality and my only ask of him as I exited Hollywood and that era of my life was that he named mob and mentality, mob and mentality, which he did. And so I, you know, I had. Had Mamba mentality. This up and comer rap star Eminem, who, honestly, I didn't even know was Eminem. For me, he was this guy from Detroit that I met through my friend Travis Barker, who happened to be the drummer blink, 182 but I was so unaware of all these people and who they were. They were, to me, were just people I knew and friends that I had. And, you know, fast forward to where we're at now. It's like we're all living our dreams, and it's really super cool. But the socio economic experiment came from that dream night with Marshall and this whole concept of who and how we wanted to be in this future version of ourselves and I wanted to be this socio economic experiment to understand life through a different lens, especially after meeting him that One night and hearing his life experience, my life experience that you know, it was fascinating to me, like I want, I I want to help people, but to truly help people and bridge those societal gaps that exist, Cynthia Washington  21:16 one has To have a full scope of life through all perspectives, and this opportunity through Columbia, with this experiment, positioned me to really embrace that, and now I am very happy because I think it has helped me appreciate the quality, true quality of life. You know, it's not about the money, it's not about the fame, it's not about the recognition. It's about love and family and caring and nurturing one another Michael Hingson  21:59 with and I would presume that you would say that that's what you learned from the experiment, Cynthia Washington  22:05 yes, yes, absolutely. That's what I learned. You know, here, as I was climbing all these different corporate ladders, I always thought it was about having more you know, having more money, having more things, having a bigger house, a nicer car and all this stuff, but truly abandoning all that stuff allowed me to live more because I appreciated the true moment as A gift, especially from being on my deathbed, you know, to being able to live each day to its fullest, that in and amongst itself, was a gift to me, and learning to be present for my daughter was a present for Me. And so these were all things that socio economic experiment taught me about appreciating life. Michael Hingson  23:07 So where do concepts like gratitude come into all of that? And how is gratitude help keep you centered and kind of moving forward? Cynthia Washington  23:18 Great question through this journey I've been on, I've learned to live each day with a grateful heart. I wake up daily appreciative of the moment, to be alive, regardless of what I have or what accomplishments I've achieved. I truly am thankful for the gift of life. And with that being said, I live in a spirit of Thanksgiving, not because Thanksgiving is on the horizon and the holidays grow near, but because having that gratitude rooted in my soul has helped me Stay focused on my Why stay firm in my beliefs and trust the process every step of the way, living with gratitude has just opened my Heart to the possibilities, and it's been a phenomenal growth experience. The more I give thanks, the more I give, the more I serve, the better I lead, the stronger I am, and the more abundant the blessings are. Are, and it's just truly remarkable to be this vessel for good living life with the spirit of Thanksgiving. Michael Hingson  25:12 If somebody were to ask you, how can you teach me how to really have gratitude and make it a part of my life, what? What kind of advice or what kind of guidance can you give someone to help them learn to be a person who's more grateful or have more gratitude? Wow, um, Cynthia Washington  25:33 if someone is looking to have more gratitude and develops a process in establishing more gratitude. I think it would just be to reframe your focus instead of, oh, I don't have these things, right? That's when I let go of my Louis vuittons my fancy car, and, you know, sold all my really nice clothes that you know, just to have some extra cash to accomplish more of my goals, I let go of all Those materialistic things. And instead of having the mindset of like, Oh, I'm getting rid of these things, I was I saw it as an opportunity. So I guess what I'm saying is to reframe, instead of it being like, I don't have these things, or the woe is me attitude reframe that too. I am blessed with a family, I am blessed with food, I am blessed with shelter, I am blessed with a job that provides me with stability. I am blessed with the person in the mirror who has awoken for this moment in time, awoken, awaked it has. How do you say that? Awakened, that's fine. Awakened, yeah, has awakened in this moment, you know, for another beautiful day, and then after that, reframing of the mindset, focus on the positives and count your blessings. I know that sounds so cliche, but be grateful for this. Yes, be grateful for the things that you do have, the people who love you love is the most durable power that there is, you know, and having that focus on those good things with a positive mindset reframed from the negative, you can easily shape yourself into a person who lives with gratitude and then reciprocate it. You know, as you, as you go about your day, give that gratitude to someone else with a nice smile or a thank you. And people can feel a thank you. People can feel a smile. People can feel that authentic, genuine sense of gratitude in any capacity of life. And that is far more reaching than that negative I don't have I don't have enough. I don't I'm not qualified for this type of negative mindset that weighs people down. Instead, when you live with gratitude, you feel lighter, you feel more alive, and you feel unstoppable. Michael Hingson  29:09 Have you ever read a book by a gentleman named Henry Drummond called Love the greatest thing in the world? Cynthia Washington  29:18 No, but it sounds like something I would enjoy reading. It's Michael Hingson  29:21 more, it's very short, but he he talks all about the fact that love is, in fact, the greatest thing in the most powerful thing in the world, and that that it is something that we all ought to express and deal with a whole lot more than than we do. Was written in, in, I think, the late 1800s I believe. But it is, it is well worth reading. As I said, it's very short. I've read the audio version, and it only takes an hour, so it's not very long book. But it doesn't need Cynthia Washington  29:59 to be well. I will definitely add that to my reading list, because my step brother called me love and it's my nickname, and all the work I have done while on my mom mission after Columbia and over the past few years to help bridge societal gaps, to make the world better for my daughter, her friends and our children and the world ultimately stems from love and gratitude and love are to my focuses. There you go. Michael Hingson  30:46 And as makes a lot of sense, as they should be well. So what have you been doing? Well, so you worked for enterprise, and then you went on, I guess, to do some other things. But what have you been doing since Columbia? Cynthia Washington  31:02 Well, since Columbia, my last class at Columbia was in finance. I studied finance, macro economics. And one more thing I forgot, that's okay. So anyway, well, my last class at Columbia was in finance and Oh, corporate governance, yes. So at Columbia, I studied corporate governance, macroeconomics and finance, while also completing my chief marketing officer executive education requirements and my last class being in finance aligned with Zions Bank, 150 year anniversary of being in business. I thought, wow, this is quite timely. Zions Bank is highly reputable, very respected organization in Utah. And I wanted to work with them while I finished Columbia, and initially I took a role to just kind of understand money real time, working on the front lines across a variety of different branches, and now I still work with them. I am in their retail banking administration department. I work with a great team. I am close to the SVPs, EBPs, and with the branches, our clients. I work on multiple different projects, doing different things, which is so fascinating because I'm in the heartbeat of the business, and it satisfies my my desire to stay relevant and use all my skill sets for good, because I have that ability to touch so many different people and projects in the work that I do at science bank, it allows me the flexibility to maintain my social media influencer status, and both give me the stability to be a good single mom for my daughter who's finishing Up in college. So I'm very grateful for that opportunity, and Colombia opens so many doors. As far as the social media marketing piece of the work I've done since Columbia, I sit on a handful of boards, Big Brothers, Big Sisters. I am on the boulder way forward legislative committee as a chair, and I continue to just do a bunch of philanthropic work, which I. I'm able to promote and highlight within the social media work that I do, so the two work beautifully together, and I am happy just to give back in the capacity I can using my skill sets at a maximized level, Michael Hingson  35:24 okay, well, you also formed your own company, didn't you? Cynthia Washington  35:29 Yes, I did form my own company. It's called level up with C dub, and that business has allowed me to work with amazing brands throughout Park Cities, silicon slopes and globally. It started, yeah, go ahead. No, go ahead. It started because I wanted to level up my community and bridge some gaps that I saw, and then it has grown into something bigger and better in the fact that the work that I'm doing is not only helping local businesses, but it's helping level up our youth, and creating an opportunity for our youth to follow a yellow brick road, so to speak, with my work that I have put forth so that they are more resilient, emotionally intelligent, and have the mental strength To endure this ever changing world. So it's been quite interesting to see how it's shifted from helping businesses mentoring individuals into this new space. Michael Hingson  37:14 And so what does the company do today? What? What you talk about helping youth and so on? Tell me a little bit more about what what you do and how you do it, and is it just you, or do you have other people in the company? Cynthia Washington  37:27 No, it's just me. Just now, just me. Yes, I don't have enough time to invest in it because Zions is my nine to five. I work at a local boutique in town to stay in the heartbeat of town, you know. And then I have the social media stuff that I do. So my calendar is quite full. The level up with C dub work has been word of mouth, and people like you have sought me through various platforms, and I like that. I'm not ready to scale it yet, even though it is scalable, but I like being able to control the the the incoming work and produce high quality products with my brand name attached to it. So right now, it's something that exists. Um, it's something it's a labor of love, and so I'm not quite ready to bring on a team, because it's multi faceted. There's a lot of mentoring, there's a lot of coaching, there's a lot of brand building, and these are all things that I just like to do on my own. Michael Hingson  39:20 So what kind of things do you do you do from a mentoring standpoint, what? What exactly does the company do? Cynthia Washington  39:28 Well, from a mentoring standpoint, I mentor across different platforms. I just received an Impact Award for mentoring girls in the tech realm of silicon slopes, over 1000 Utah high schoolers, actually, 1000s of high school girls have been mentored through this program called she tech, of which I am a part of and. Um, in addition to that, I have middle level professionals who want to level up within their career, who utilize me and my services to help coach them to their next corporate move. And so there's some one on one time. People hire me. I fit them into my schedule. We work together. They call me, you know, hey, I have this moment at work that's happening and I need some guidance. How do I navigate it? You know, sometimes it's easier to talk through that situation with a coach than it is to talk through it with your peer or manager, because you don't want to take away the integrity of the the momentum you've created at work. So I act as at sounding board for a handful of other executive, young executives who are up and coming, rising into their career, and so it's it's multifaceted. Everything's been word of mouth, and I don't have a website. I started with one, I perhaps might go back to creating one. But for now, everything is pretty manageable. I just wear a lot of different hats and work through a lot of different projects, helping many different people across different platforms. Michael Hingson  41:48 How do you keep it all together? Cynthia Washington  41:53 Great question. I use a calendar. I write a lot of notes down. I have a very systematic approach to everything that I have going on. I've learned to say no and to prioritize what's most important. I had an executive coach when I was in Silicon Valley and working in the Medicare realm of business and my executive coach brought so much value into being that sounding board for me and Springboarding My career that giving back in that same capacity is so rewarding for me. I find enjoyment out of it, and the busier I am, the more full I feel my life is. And so right now, I manage it all by writing it down and keeping it organized. You know, in my calendars, thankfully, there's flexibility with all that I do, which allows me to be very agile and giving back in the level up with C dub work that I do. Michael Hingson  43:21 Well, it sounds like when you had access to an executive coach, you were very observant about what they did, so that you could do that same sort of thing and pass it on. Because it sounds like you you took to heart the lessons you learned from that coach. Absolutely. Cynthia Washington  43:40 I had the best executive coach. And you know, when I was on my deathbed, she reached out to me and cared for me even though I was no longer her client. You know, we had become friends through that relationship, and I want to be that person for someone else, and that's why right now, I don't have anyone on my team with me, and I don't have an intention of scaling it At this point in time, because I try to, I to take on the workload with intention and purpose so that I can authentically lead and give back to help others grow and thrive within their realm of life, right? Michael Hingson  44:46 Well, you have written a book. Tell us about that and what what it is, and anything you want to talk about, Cynthia Washington  44:54 yeah, this is a book right here for those who. You are able to see Michael Hingson  45:04 it, and it's called Mind Matters. Cynthia Washington  45:07 Yes, sir, Mind Matters. It's the story of my life. It's a memoir encompasses everything and an easy to read book. It encompasses my travels, my corporate climb and fall, my Columbia education and studies, how I overcame some big hurdles with a grind, with grit, mindset and mentality. My time in Hollywood, what I like to call the trifecta me, Eminem and Kobe, and my work, the music of Eminem and Mama mentality with those three things, you can achieve anything. And what else does it include? Oh, it just has some really fun tales of growing up in California. I and some principles, guiding principles I learned from Columbia University that I wanted to encapsulate into this book and share again to give back to others. It's modestly priced on Amazon. You can buy it wherever books are sold. It's I didn't write it for fame or recognition. I respectfully share stories about my friends in Hollywood. Good and, yeah, it's a fun a fun story. I released it a year ago, October 10, and did my first book launch release party, November 15. And so it's really fun to see it become what it has, and to see its ripple effects throughout society. Michael Hingson  47:32 What did you learn about you from writing the book? Cynthia Washington  47:39 Oh, well, writing a book requires a lot of self discipline. I learned that I have lived a story rich with abundant blessings, and I learned that I have accomplished so much with having That spirit of gratitude. I grind it with grit, resilience, that has catapulted me into the space that I am living in now. However, it was also a very humbling experience as I wrote the book, I it healed me in some ways, because I had been in hiding for a year, and as much As I was sharing my life on social media, I was still afraid to live my life because I was in hiding, and so it helped me heal from that trauma, which is why I have it modestly priced, because if I can help someone else overcome something as traumatic that I have lived by sharing my story and giving hope through my story, then I want to put it out there. I'm not in it for money. I'm in it so I can help our society through this humanitarian effort, you know, and sharing a little bit about me might help someone in their time of need. So, yes, I love. Learned. I learned to heal, I learned to trust the process, and I learned who I am. Michael Hingson  50:08 It makes a lot of sense. And I asked the question, having written three books and learning from all three of them, various things about me, but also just learning to have the discipline and to go into that place where you can create something that hopefully people in the world will appreciate. I think that's that's a really cool thing, and clearly you've done that. Cynthia Washington  50:38 Yes, thank you, and you definitely can understand that, you know, you put your heart and soul into this book of creative mindfulness, and it's truly rewarding to share it with other people. And I like to say my books wrapped with my daughter's big thank you hug, because it's wrapped in her artwork that she drew, that I have framed, and I thought it was a perfect cover for it. And it's it's really a blessing to have gone through the trauma, live through it, and for her to see this work of art, share my story and help others and her. Thank you. Hug around it is even a bigger form of love Michael Hingson  51:44 you have won, and you mentioned it earlier, a she Peck she tech champion Impact Award. Tell us about that award, what it is, and a little bit more about why you won one and so on. Cynthia Washington  51:58 Yes, so while at Columbia, I did the level up with CW work, I worked with Zions Bank, had the social media influencer role, and I aligned with a lot of great women and businesses throughout Park City, Salt Lake and silicon slopes, those women became friends and she Tech was founded by one of my friends, and I became involved in that about five years ago, as a mentor, a role model, an influencer, helping young girls learn that there is opportunity in The tech space. Technology space for women and girls learning and their worth, their their value and creating opportunities for them. And so through the social media aspect, I have been able to share to share the great work of she tech and women tech Council and some other brands that I've aligned with to help young girls see other women leaders actively working and living in these different capacities. So all of the work that I do goes hand in hand with this mentoring space and helping our youth see their potential. Chi Tech, I was one of 30 who received that award this year, I was humbly honored to be a recipient of the award. I knew the work I was doing was focused on my love to change the world for my daughter and make the world a better place for her, her friends and ultimately, all children. I just didn't realize how far reaching my impact was until I received the email notifying me of this. Impact Award, and when I stood on stage with all these other champions, champions, champion champions, championing change and this trajectory of our world. It just reinforced all of the work I have done and the profound impact it's having on our youth today, and it's remarkable to like. I can't, I can't express the depth it has, because it's so far reaching, and it's something beyond my wildest dreams that I've created through my work, through all these different intersections of strategic marketing and social media brand work and leading by Cynthia Washington  56:16 good and using my influence for good. And it's just truly amazing to see that I've helped 1000s of teenage girls understand their potential, their value and their worth, knowing that there's so many different possibilities in the tech space for them to learn, grow and do Michael Hingson  56:47 well, congratulations on winning the award. That's a that's a cool thing, and obviously you're making a big difference. Cynthia Washington  56:57 Thank you so much. I'm still so humbled, and I keep having to ground myself because I never expected to be in this moment. I simply was a mom on a mission to change the trajectory for my daughter, and receiving this award was something I never expected, and I keep ground, grounding myself, because I just I'm so humbly honored to have received it, and to have come to this, this elevated level of where I'm at in my current life, by giving up everything, I became something so much bigger and better than I ever expected or or planned for myself, and it's profound to me, and I just have to constantly ground myself and remind myself like that it's it's okay to be here. Michael Hingson  58:17 That's what gratitude can do, and that's what gratitude obviously does for you, because you you clearly exhibit a lot of gratitude in in all that you say and all that you do. And I think that's extremely important. People really should think a little bit more about gratitude than they then they typically do. But you know, it is something that that clearly you have put in the forefront of of your being. You do a lot with social media. And tell me a little bit more about about that as we move forward here and get close to wrapping up. Cynthia Washington  58:57 Well, yes, I do do a lot on social media, but before I answer that question, you found me through social media, and I want you to share a little bit about how you discovered me knowing that you're unable to see a lot of the content I create. So how were you able to find me? And then I'll answer that question. Tell me what intrigued you Michael Hingson  59:31 when you say not see the content, like, What do you mean? Cynthia Washington  59:36 Well, you have a blindness, vision impairment, correct, Michael Hingson  59:46 not an impairment, but that's okay, but, but what is it that I don't see exactly? Cynthia Washington  59:52 How do you see my social media content for you to be able to find. Michael Hingson  1:00:00 I use a piece of software that verbalizes whatever comes across the computer screen, so hearing the the text, listening to what your profile on LinkedIn says about you and so on, is all just as straightforward for me as it is for you, and to describe that in great detail would be like me asking you how you do what you do. It's what we grow up learning. The reality is, blindness isn't the problem. That's why I said it's not an impairment, because people always think about blindness as a visual impairment. Well, visually, I'm not different because I'm blind and I'm not impaired because I am blind, if, if the reality is impairment has nothing to do with it, and we really need to get away from thinking that someone is less than someone else because they may not have the same senses that that we do. And while I don't necessarily have eyesight, I have other gifts that I've learned to maximize, and probably the greatest gift of all, is that I don't happen to be light dependent like you are. The reality is that for you, when there's a power failure or something that causes all the lights and everything to go out, you scramble looking for an iPhone or a smartphone or a flashlight or something to bring light in, because we spent a lot of time bringing light on demand. To you ever since the light bulb was invented, I don't have that problem. The power goes out, doesn't bother me a bit. The reality is we've got to get away from this idea of thing that somebody is impaired because they don't have some things that we do. There are a lot of ways to get information, and eyesight is only one of them. Cynthia Washington  1:01:48 I love that, and that's exactly why I wanted you to explain that, because I think that's super important as we discuss unstoppable mindset. I think that's a critical necessity for society to learn and to know, and because you were able to find me using these great resources that you have and the work I'm putting forth intrigued you to bring me into this meeting with you. So I am, again, so grateful that we have this opportunity to collaborate in this space, bringing both our good works together to Oh, help level up awareness that there are no limits. We are unstoppable. Glasses shattering everywhere because of people like you and me who are doing this good work to change the trajectory of the world, and social media for me, has given me the opportunity to do what you do in this podcast. Michael Hingson  1:03:14 If you want people to be able to reach out to you and interact with you, how best can they do that Cynthia Washington  1:03:22 the like you did through LinkedIn is great. That's how I do receive most of my work is through LinkedIn. People find me there and will message me through then, LinkedIn, what? Michael Hingson  1:03:43 What's your LinkedIn name or your house? Cynthia Washington  1:03:47 Cynthia Washington. Okay, that's easy, yes. Cynthia Washington, Park City, Salt Lake City, will get you to me. Another outlet is through Instagram. I'm little bit more hesitant to reply to the direct messages on Instagram. I do try to filter a lot of my content and screen things. So I do trust LinkedIn a little bit more. As far as the messaging component is concerned, also, I have provided you with my email which you're happy I'm happy for you to share. Okay, so any of those three means will get you connected to me. I do not have a website. As I said, everything is organic, authentic and word of mouth. My Plate is really full, and so I like to be selective of the projects I bring on in hopes that they give back to society in one way or another. Lacher, I'm not doing it to chase every deal or get a bunch of free product. I do it with a very intentional Spirit giving back with gratitude that karmic effect goes a long way well. Michael Hingson  1:05:18 I hope people will reach out. You clearly have a lot to offer, and I think you've you've given us a lot to think about today, which I appreciate a great deal. So thank you very much for that. I want to thank all of you who are listening or watching our podcast today, or maybe you're doing both listening and watching. That's okay too. I want to thank you for being here with us. Love to get your thoughts. If you have any messages or our ideas you want to pass along. Love it if you'd reach out to me. Michael, H, I m, I C, H, A, E, L, H i at accessibe, A, C, C, E, S, S, I B, e.com, you can and I would appreciate it if you would, wherever you're listening or watching this podcast, give us a five star rating, and please give us a review. We really value your reviews highly, and I would appreciate it if you would do that. If you know of anyone Cynthia, you as well, who you think ought to be a guest on unstoppable mindset, please let us know. Introduce us. We're always looking for people to come on to help show everyone that we're all more unstoppable than we think we are. But again, Cynthia, I want to thank you for being here. This has been absolutely wonderful. Can you believe we've been doing this over an hour already? Cynthia Washington  1:06:37 Oh no, not at all. Oh yeah. Well, I am so forever grateful again, and as we head into the holidays, just remind everyone to live with a spirit of gratitude, be kind to others. And there are no limits. It's time to shatter those limits that we have created as barriers and Live limitless with an unstoppable mindset. Michael Hingson  1:07:09 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

As we near the end of 2025, how was this year for you?  Personally?  Professionally? What was some of the biggest financial news in 2025? What are you looking forward to in 2026? As the year comes to an end, Shawn & George take a look back, and a small look forward at 2025 and 2026, including topics like: Mortgage / Interest Rates Grocery and Utility costs Government Shut Down Student Loan Adjustments Credit Card Debt Personal Guarantees Housing Market Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026 

There are now a number of organisations across Ireland providing professional Christmas tree styling services. But, how does it work?Joining guest host Fionnuala Jones to discuss is Arlene McIntyre, Creative Director of Ventura Design in Dublin…

“Middle school kids really are very concrete learners. Abstract thought isn't there yet. Give them the ability to see ‘I'm not the only one having problems on page 10. I must be normal because everybody's having problems on page 10.' Or, if it is a kid who's the only one who's having a problem, let's figure out what the problem is. Let the kids have some voice in helping problem-solve rehearsal issues. The teacher is the expert, but that doesn't mean that you know everything. Sometimes a kid knows a lot of stuff, but it is just sounds different or is coming from a different angle.”Gretchen Harrison, National ACDA Chairperson for Repertoire and Resources, is a Missouri-born, Kansas-educated, veteran choral educator, conductor and clinician..  Proud to come from a strong choral music heritage, Harrison is the middle generation of a 3-generation ACDA family. She follows in her dad's footsteps as “teacher-mentor” with joy! She loves a rehearsal based on love, excellence, urgency, laughter, respect, high expectations, silliness and, hopefully, dark chocolate!  Harrison has served ACDA as State Chair for JHMS Repertoire and Standards (KS), as the National Chair for JHMS Repertoire and Standards, then Resources, as the first Youth Choirs Coordinator and, now, as the National Chair. Harrison earned degrees from Wichita State University (BME) and the University of Missouri–Kansas City (MME) and has 60+ additional hours of study. Professionally, Harrison retired after teaching public school middle school choir for 34 years. She is the 2023 recipient of the “Harry Robert Wilson Award”, an award by the Kansas ACDA chapter to recognize lifelong achievement. She is the administrator in the Allegro Choirs of Kansas City community choir program. Harrison is married to a retired band director and mom to two wonderful humans and “Gigi” to a wonderful grandson–with another on the way.  She loves her family, cooking, baking, her dog and reading.To get in touch with Gretchen, you can email her at nationalrr@acda.org, follow the ACDA Repertoire Collective Facebook page (@RepertoireResources), or find her on Facebook (@gretchen.harrison) or Instagram (@gretchenharrison).Email choirfampodcast@gmail.com to contact our hosts.Podcast music from Podcast.coPhoto in episode artwork by Trace Hudson

John Rustad refuses to accept his firing before resigning to his fate. The Canada-Alberta pipeline MOU leaves BC and Coastal First Nations with little but the public is surprisingly warm to the idea. Stephen Guillbeault isn’t as he leaves cabinet, while his replacement is already stirring up controversy in Quebec. Links John Rustad officially steps down as leader of B.C. Conservatives | Vancouver Sun Rob Shaw: Behind the morning of manoeuvres that unravelled Rustad's leadership Brad Zubyk out as opposition leader Chief of Staff Canada-Alberta Memorandum of Understanding Rob Shaw: Ottawa’s messaging for B.C. pipeline gets even more confusing National Backing High for Alberta–B.C. Pipeline, But B.C. Approval Remains Elusive B.C. premier open to new pipeline if tanker ban remains in place A Big Energy Deal with a Small Political Impact: What Canadians Really Think of the Canada–Alberta MOU Guilbeault resigns from cabinet over Carney's energy deal with Alberta 2 top climate advisers quit saying Carney government is ignoring its experts | CBC News NDP leadership hopefuls say Guilbeault not welcome in their party after quitting cabinet Carney brings Trudeau-era minister back into cabinet, adds responsibilities to 2 others | CBC News Legault calls Miller a ‘disgrace to all Quebecers’ for his comments on French language | CBC News How a pipeline deal in Alberta somehow led to a language controversy in Quebec | CBC News

From the moment you hear Lynn Hazan, 70, speak, one thing is unmistakable: performance isn't just something she does — it's the lens through which she experiences the world.Born and raised in Canada, Lynn moves comfortably among French, English, and the Spanish and Hebrew she loves practicing. Her multicultural roots run deep: her parents were French citizens born in Egypt and Syria, and her Jewish faith has been a guiding force since childhood. It was at Jewish conferences, surrounded by stories and ideas, that Lynn first understood the power of storytelling to transform communication.Curiosity drives her. Travel energizes her. She has journeyed on multiple humanitarian trips, including a 1995 performing tour in Ukraine that left a lasting imprint. Wherever she goes, Lynn becomes a bridge — sharing stories people-to-people, culture-to-culture. Her own family's history inspires her daily; she lost her father at 12 and her mother decades later at 92, and their lives continue to shape her sense of purpose.Professionally, Lynn is a force of creativity. A natural salesperson from the start, she built a dynamic recruitment business where imagination and strategy coexist. She channels her love of storytelling into every interaction, coaching candidates to “sell themselves” with clarity and confidence. It's why she's widely known as the storytelling recruiter — a title she carries proudly and passes on to her interns like a legacy. “I thrive on creativity, ask a million questions and learn wherever I go.” - Lynn HazanCONNECT WITH LYNN:Email: lynn@lhazan.comWebsite: lhazan.com

Justin Bieber BioSnap a weekly updated Biography.Justin Bieber has been making waves in recent days with several significant developments. As of December 2, he and his wife Hailey were spotted by fans on the streets of Tokyo, Japan, marking a notable public appearance. This sighting comes amid ongoing speculation about his personal and professional life.On the business front, Hailey made major headlines when her beauty brand Rhode was acquired by e.l.f. Beauty for one billion dollars in May, a deal that continues to dominate discussions about the couple's empire. Justin has been celebrating her success, expressing pride in her entrepreneurial achievements. However, the couple has faced recent challenges. Reports indicate that sources close to Justin expressed concern in April about his personal struggles impacting his business ventures, with insiders claiming he's been making poor choices affecting his friendships and finances.Professionally, Justin has been dropping hints about his musical comeback after a four-year hiatus. Industry sources confirm he's been working in the studio with producer Mk.gee, exploring innovative sounds for what appears to be a highly anticipated new project. He's posted cryptic social media teasers showing himself driving while new music plays, fueling fan speculation about an imminent album release.On the fashion front, Justin ended his association with Drew House in April, his previous fashion label, posting on Instagram that it no longer reflected him or his family. He's now hinting at launching a new fashion line called Skylrk, which appears to feature clothing and accessories, though no official release date has been announced.Additionally, Justin has experienced a significant drop in Instagram followers, losing approximately 270,000 followers recently. When he posted a selfie flipping off the camera on December 1, many interpreted it as a response to the mass unfollow, though he provided no context for the image.On the family front, Justin and Hailey continue enjoying parenthood with their son Jack Blues, whom they welcomed in August 2024. Reports also indicate he unfollowed his former mentor Usher on Instagram, sparking speculation about shifts in his professional relationships.The overall narrative suggests a period of transition for Bieber, marked by family milestones, business challenges, and anticipation surrounding his long-awaited return to music.Get the best deals https://amzn.to/3ODvOtaThis content was created in partnership and with the help of Artificial Intelligence AI

In this episode of Talk of Fame, Kylie Montigney chats with Linda O'Boyle Zaneski. Linda is a former Miss Pennsylvania who took home a community service and talent award at the Miss America Pageant in 1991. She was Mrs. Pennsylvania United States in 1996 and was a top 15 finalist in Las Vegas. She was Mrs. Pennsylvania International 2022 before retiring from the competitive pageant world. She has been a certified pageant judge, director, contestant and loved many years of being a pageant mom. She remains proud that she was the Pittston Tomato Festival Queen in 1988! Linda has been recognized for over 38 years of volunteer service with the Alzheimer's Association and currently sits on the Governor's State Task Force for Alzheimer's. She is a certified Dementia Champion and a three time Walk Chairperson. She continues to serve on the NEPA Walk to End Alzheimer's and fundraises for her team. Again, this year, she reached Grand Champion status by raising money from her annual Duck Derby and through sales of her latest children's book- A Walk for GG Lou. Linda is also very active with Lions Clubs International- the largest service organization in the world. She has served in many positions at the club level, including Club President and Club Secretary. She served as the District 14-W (Luzerne County) District Governor in 2022- 2023 and is currently the State Council Chairperson for 2023-24. She has received several awards for her service including the International Presidential Medal for Leadership- the second highest award in International Lions. Professionally, Linda is employed by the US Dept of Veteran Affairs and is a National Program Manager for Facility Based Care in the office of Geriatrics and Extended Care. She earned her Doctorate in Nursing and two Masters degrees- one in Health Care Administration and one in Nursing. She has earned 3 certifications (gerontological nursing, case management and Certification as a Dementia Care Specialist) She also maintains an active nursing home administrator license. Linda is an adjunct professor at Wilkes University in the School of Nursing. Linda resides in Edwardsville with her husband Stan. They have 2 children, Rebecca, who earned her Masters in Organizational Management in Healthcare from Misericordia University in 2020; and Stanley, who earned his Master's Degree in Business Management from Ithaca College in New York in 2022.Listen in as we discuss Linda's Mrs. Pennsylvania journey. You'll be inspired by her dedication to inspiring others through her experience as Mrs. Pennsylvania and her work with Alzheimer's. Follow Me:Instagram:@Officialkyliemontigney@TalkoffamepodFacebook:OfficialkyliemontigneyTalkoffameTwitter:@Kyliemontigney4About Me:Hi, I'm Kylie! I'm passionate about sports, spending time with family, traveling, and connecting with people who inspire me. I love listening to people's stories and sharing their journeys with the world!

Today's guest is Derek, an educator at heart whose life journey—rooted in autism, ADHD, and dyslexia—has been shaped by a lifelong quest to transform confusion into clarity. Diagnosed at age 50, he finally gained the language, belonging, and understanding that helped him make sense of decades of feeling “different.” That clarity became his calling.Professionally, Derek's path spans the trades, automotive manufacturing, entrepreneurship, process engineering, and ultimately talent development—where he became the architect behind Amazon's highest-rated employee training program, earning an extraordinary 92 NPS and 4.92/5 rating.Today, he is the visionary behind Human-First AI, including his book, Human First AI, which lays out a powerful and accessible blueprint for building AI systems that augment humanity rather than replace it. His company, Practical AI, builds tools like Pocket Mentor, offering voice-based, just-in-time support so no one ever feels stuck, judged, or alone again.This episode explores what it really means to unlock neurodiverse brilliance—and how empathy and human-centered AI can change the way we learn, collaborate, and lead.

- My child I went into labor in a Long Beach courthouse while waiting to be seen by the judge about my step-daughter. Mother would not allow us to continue. I had to drive four hours in LA traffic and barely made it back to Palm Springs before giving birth. My husband just made it within 20 minutes of the delivery.- The birth of my daughter was way different- My daughter's delivery was so traumatic for both of us.  We both look beat up afterward - literally.  It's a crazy story. Induction, after 24-hours, pushed for 3 hours, needed oxygen, traumatic C-section, and baby had huge hematoma and heart surgery.Professionally, I started a million-dollar preschool from my living room.I wrote a book and am writing my second book.Started a Podcast.FIND HER HERE:Website: https://www.jesssaying.netTikTok: https://www.tiktok.com/@jessdanelX (Twitter): https://x.com/jessdanel Instagram: https://www.instagram.com/jessdanel/Facebook: https://www.facebook.com/Jessicadanel3LinkedIn: https://www.linkedin.com/in/jessica-danel-mba-88970283/Youtube: https://www.youtube.com/@jessicadanel4240

Send us a Message!This episode touches on the themes of Strengthen Culture.In this episode, we explore both Passive-Aggressive and Aggressively-Passive behaviour. We dig into how and why it exists in our workplaces and, most importantly, how to address it.Our prescription for this episode is to understand and look to adopt language and policies around Workplace Incivility to give greater impact to confronting Passive-Aggressive behaviour in your workplace.Past Episode Referenced:S4 E5: Why Am I So Exhausted After Work Every Day?S4 E3: How Do I Fix A Competitive Or Hostile Team Culture?S4 E1: How Do You Create Psychological Safety In Trauma Infused Workplaces?To talk more about Workplace Incivility, reach out to us at info@roman3.ca or through our LinkedIn page at https://www.linkedin.com/company/roman3Don't forget to sign up for our New Quarterly Newsletter that launched in the fall of 2024!About Our Hosts!James is an experienced business coach with a specialization in HR management and talent attraction and retention. Coby is a skilled educator and has an extensive background in building workforce and organizational capacity. For a little more on our ideas and concepts, check out our Knowledge Suite or our YouTube Channel, Solutions Explained by Roman 3.

Justin Bieber BioSnap a weekly updated Biography.Justin Bieber has kept the spotlight buzzing over the past week with a flurry of public appearances in New York City alongside Hailey Bieber. The pair were seen together at a Lakers versus Knicks game in Madison Square Garden and were later photographed sharing an intimate dinner at The Corner Store before enjoying a date night at the IPIC movie theater. According to Us Weekly and People, Justin appears “happier than he's been in a long time,” prioritizing comfort and authenticity in public, even if it means leaving the spa shirtless and unfazed by public scrutiny. Despite skipping the 2025 Grammy Awards for the second year in a row, sources emphasize that Justin and Hailey's marriage remains solid, with strong mutual support and a focus on maintaining their privacy amid relentless public attention.Professionally, the most significant news is Justin's exit from his previous fashion venture, Drew House. He made headlines by announcing on Instagram that he is no longer associated with the brand, stating, “Drew House does not reflect me, my family, or my life.” While the Instagram story was quickly deleted, speculation arose about his reasons. However, GQ and India Today confirm Justin has since turned his creative ambitions toward a new fashion label called SKYLRK. Launched in July, SKYLRK is a collaborative project with Hailey actively participating in streetwear design and creative direction. She describes the process as “super fun and collaborative,” and Justin reportedly maintains full creative control, working closely with Pink Dolphin co-founder Neima Khaila. The couple have hinted at inspiration drawn from their family life, including their now 15-month-old son, Jack Blues, who remains largely out of the spotlight as they continue to balance public careers with parental privacy.Business headlines have reignited debate over Justin's financial situation, particularly after the explosive May 2025 TMZ special and reports in People that he sold his entire song catalog for $200 million to Hipgnosis. The documentary alleges the sale was prompted by looming financial collapse—claims that Justin's representatives declined to comment on. Further, his musical royalties have now become part of tokenized IP assets on platforms like Aria Protocol, integrating his catalog into crypto-financial markets, a move widely viewed as innovative but also symbolic of larger shifts in artist revenue streams.Standing amid ongoing health rumors, various outlets like IMDb and Celebrating The Soaps have cast a spotlight on his frail appearance at recent events, prompting concern among fans and speculation about his well-being. Friends and Hailey reportedly remain very supportive, while sources underscore that Justin is prioritizing self-care, creative fulfillment, and time with family. On social media, both Biebers continue to uplift one another, with Justin expressing immense pride over Hailey's recent success: her skincare brand Rhode was acquired for $1 billion by e.l.f. Beauty—a landmark deal Hailey says Justin “witnessed from the very beginning.”In sports news, the couple's joint appearance cheering on the Toronto Blue Jays during the World Series reignited his Canadian pride and further showcased their united public front. In sum, while questions linger about Justin's health and finances, his focus appears squarely on creative ventures, marriage, and fatherhood, with major moves in both fashion and music IP setting the stage for an evolving public narrative.Get the best deals https://amzn.to/3ODvOtaThis content was created in partnership and with the help of Artificial Intelligence AI

Give your career the visibility it deserves. Learn how to transform your reputation and digital presence with insights from career expert Madeline Mackey. Find out how to optimize your LinkedIn, shape how others perceive you professionally, and leverage your authentic strengths to attract promotions, mentorships, and leadership roles. Resources from this episode: 5 Strategies to Get More from LinkedIn as an HR Pro - https://www.shrm.org/topics-tools/news/hr-quarterly/5-strategies-to-get-more-from-linkedin-as-hr-pro   https://www.shrm.org/topics-tools/news/hr-quarterly/5-strategies-to-get-more-from-linkedin-as-hr-pro  Subscribe to the All Things Work newsletter to get the latest episodes, expert insights, and additional resources delivered straight to your inbox: https://shrm.co/fg444d    ---  Explore SHRM's all-new flagships. Content curated by experts. Created for you weekly. Each content journey features engaging podcasts, video, articles, and groundbreaking newsletters tailored to meet your unique needs in your organization and career. Learn More: https://shrm.co/coy63r 

Justin Bieber BioSnap a weekly updated Biography.In just the past few days Justin Bieber has been busy making headlines both on the stage and in the business world while also shining a spotlight on his family life. The biggest news comes from his wife Hailey Bieber who has officially achieved billionaire status following e.l.f. Beauty's billion-dollar acquisition of her skincare brand Rhode as confirmed by AOL and business wires. Justin celebrated this milestone proudly on Instagram, posting affectionate photos and congratulating Hailey. The couple's celebration appears genuine with Justin's public support and Hailey's gratitude for her team and fans as she took to social media declaring this is just the beginning for Rhode. Major outlets including Vogue and American business media have been abuzz over Hailey's accomplishment given the speed of Rhode's ascent since its 2022 launch.Professionally, Justin himself has stepped back into the music scene in a big way. On November 13 in New York, Justin performed a livestream concert on Twitch, his first standalone set of this scale since 2017 according to setlist.fm. Fans stormed social media with clips and commentary about his performance of Purpose and other fan favorites with We The Band. This public appearance is being viewed as a significant indicator that Bieber is seriously charting his return to live music and even suggests possible momentum for more dates or album news though there have been no confirmed tour announcements yet. Notably, Justin made an unannounced appearance late last month joining SZA onstage at Kendrick Lamar's Grand National Tour in California with Hailey present and supportive in the VIP section.On the business front Justin's fashion brand SKYLRK is getting buzz thanks to its blend of classic Bieber streetwear and fresh design touches from Hailey. India Today reports that Hailey co-designed several new pieces including a standout leather jacket and has spoken publicly in GQ and social media interviews about her creative collaboration with Justin and the couple's approach to fame family and privacy. SKYLRK's launch this summer marked Justin's first major brand move since leaving Drew House earlier in the year.Social media has been abuzz with speculation about new music and increased activity from the Biebers but no rumors of major personal rifts have been substantiated. On the contrary Hailey told Vogue that she wakes up every day grateful for her family and brushed off tabloid chatter about their marriage. Justin has been trending for fan events including a Bieber tribute night in New York and an upcoming concert series tribute in Los Angeles but neither event involves him appearing in person. No legal or personal controversies have made legitimate headlines recently and friends say Bieber's focus is solidly on music family and business leaving fans and industry watchers speculating about what's next for pop music's comeback king.Get the best deals https://amzn.to/3ODvOtaThis content was created in partnership and with the help of Artificial Intelligence AI

Send us a textSome stories punch through the noise because they're real, a little rough, and full of heart. Adam Bilinski's path runs from a single mom's sacrifice and a grueling work ethic to a flagpole accident that nearly ended his chance to be a dad—then into the high-pressure world of New York tech hiring, where process and people beat buzzwords. Along the way, he learned what actually scales at home: respect for everyone, a clear standard for work, and an attitude that lifts the room without faking optimism.We dig into the moments that shaped him: summer jobs where five minutes late meant go home, the teacher who told him he belonged in New York after watching him negotiate for a busload of classmates, and the career breakthrough that came from obsessing over value rather than volume. Then we connect those lessons to fatherhood. Adam and his wife raise two very different sons with the same core rules—mutual respect, consistent effort, and financial literacy. When culture clashes with values, they choose values, even if it means changing schools.The emotional playbook is as practical as it is kind. Adam calls himself a realist with a good attitude, teaches his kids to notice who adds or drains energy, and lives by the saying " This too will pass." He swapped lectures for listening—do you want me to listen or solve?—and watched trust deepen. Professionally, he explains how Randstad Digital wins with delivery, talent, and repeatable processes, and why integrity outlasts shortcuts in a crowded market. If you're a parent, leader, or both, you'll walk away with simple habits that compound: respect everyone, choose your attitude, save first, serve others, and keep showing up.If this resonated, follow the show, share it with a friend, and leave a quick review so more parents and leaders can find us. Your support helps these conversations reach the people who need them most.Support the showPlease don't forget to leave us a review wherever you consume your podcasts! Please help us get more dads to listen weekly and become the ultimate leader of their homes!

Send us a textHere's the story of a San Gabriel Valley daughter who turned community roots into a career of service. Raised in Monterey Park and Montebello, she grew up at Robert Hill Lane, Macy Intermediate, and Schurr High—so the SGV isn't just a place, it's her identity. After a brief move to Chino Hills, she came home so her three kids could grow up in the same tight-knit neighborhoods, splitting time between Brightwood Elementary, Schurr, and Mark Keppel.Community leadership shows up everywhere in her life. Her family was immersed in the Japanese American basketball scene, and she served as president of the Jetts/Jets program through Plymouth Church in Montebello—helping it grow from eight teams to more than twenty in just two years. That same “show up and build” mentality comes from her parents' entrepreneurial hustle: a well-known local carpet-cleaning business on one side and a scrappy jewelry side hustle on the other.Professionally, she helped launch a dental lab in Monterey Park and then pivoted to real estate in 2014. Her specialty is guiding families through emotionally complex transactions—selling inherited homes and buying first homes—with a step-by-step approach that keeps clients informed, protected, and confident. Think neighborhood expertise, clear communication, and fierce advocacy from offer to close.This episode traces how SGV roots, youth sports leadership, and small-business grit shaped a real estate career centered on trust and community. We talk first-time buyer roadmaps, inherited-property checklists, negotiation style, and what makes SGV neighborhoods special. Keywords: San Gabriel Valley, Monterey Park, Montebello, Mark Keppel, Schurr High, Japanese American basketball, youth sports, first-time homebuyer, inherited property, real estate agent, SGV real estate, East LA, community leadership.__________Music CreditsIntroEuphoria in the San Gabriel Valley, Yone OGStingerScarlet Fire (Sting), Otis McDonald, YouTube Audio LibraryOutroEuphoria in the San Gabriel Valley, Yone OG__________________My SGV Podcast:Website: www.mysgv.netNewsletter: Beyond the MicPatreon: MySGV Podcastinfo@sgvmasterkey.com

The season continues as we talk with alumni about the impact the David Eccles School of Business has on their lives and careers. In this episode host Frances Johnson talks with Carnell (Nelly) Griffin, an MBA graduate who is now an Indirect Buyer with NVIDIA, and has also established a scholarship at the Eccles School for first generation students in the Opportunity Scholars Program.Nelly shares his remarkable journey of attending North Carolina State University, working at IBM, pursuing an MBA from the David Eccles School of Business, and now working at Nvidia. But he reflects on where it all started when at a young age he recognized the importance of mentorship and took strides to take on a mentor and follow their advice. Nelly also discusses overcoming personal hardships, and the value he has found in staying curious and open to new possibilities. Emphasizing the need for discipline, persistence, and constant self-improvement to succeed, this episode highlights Nelly's unyielding mindset, the importance of creating your own path despite challenges, and what can be gained in life by never giving up.Eccles Business Buzz is a production of the David Eccles School of Business and is produced by University.fm.Eccles Business Buzz is proud to be selected by FeedSpot as one of the Top 70 Business School podcasts on the web. Learn more at https://podcast.feedspot.com/us_business_school_podcasts. Episode Quotes:Nelly shares that while results take time, it's important to keep going.[31:55] But the satisfaction you're going to feel when you finally overcome whatever hurdle is in your way… It's going to get to the point where you're, like, receiving dividends from things that you forgot about, the struggles that you did, that you forgot about. So, just keep going. And, also, that is an important thing I did not mention before, and I probably definitely should have started with that. Things take longer to come back to you than you think they do. They really do. The person that referred me into Nvidia met me in 2013, and I had no idea she was that impressed with me, and I did not seek this job out. I came to her asking for help because we're in the same profession with my job. And her advice to me was to apply to, and I was like, wait, wait. I was like, I didn't even know she thought of me on that level, right? Where she would see me as a peer to hers, right? In a working world. Successful leaders thrive in the unknown[07:22] How many of them actually know where they're going before they get there? They don't. You got to have the confidence. You got to be willing to take a risk. And that risk often comes with more ambiguity.If you want to be successful, you need to be prepared not to fit in.[03:29] I learned that I'm going to have to reach out to people that do not look like me, that do not sound like me, that are not from the same place that I'm from, to get where I want to go. Because I do not see anyone else going there. And I think that was the time I became what I would call, it was really big affirmation to myself that ″success looks weird." And that's when I became a weirdo. Like, if you want to be successful, you need to be prepared not to fit in. And from there on, I became comfortable being the different person because the things she had me doing, even then, those small things like, "Don't waste your summer, do an extracurricular activity. You need to build up a list of things that you can say you do so you can go to college." So, like I had all these thoughts in my head early, and it kind of just pushed me through, and I still keep that mentality today, like, what am I doing that's different, that's going to give someone a reason to push me forward.Nelly opens up about why his alumni network still matters more than ever.[37:19] So, me staying connected and doing the scholarship and giving back is keeping me connected with where I came from personally, which is going to keep me motivated and keep me from complaining when my boss asks me to stay late on a Friday to close a big deal or do anything like that. Professionally, oh my God, even though that was wake up at 4:30 every morning and not go to bed till midnight type of thing, while I was in the MBA program, I met some amazing people, like absolutely amazing people. And it was, I would say, that part of my life where the movie version of life and real life kind of aligned a little bit, right? Like, I met some really cool people. [38:31] We call each other about work and stuff like that. But yeah, those two reasons. They both keep me humble. And then I'm just excited to grow and be part of this network. And at my age, I realize the university isn't great because it's the university. It's great because of the people that continue to contribute and come back to it. That's what makes any organization great. It's not because it's the organization. It's because, collectively, when you all add your knowledge and power, and experience together, it creates this amazing thing. So, I want to be part of that. So that's what I'm trying to do.Show Links:Carnell (Nelly) Griffin | LinkedInDavid Eccles School of Business (@ubusiness) | InstagramUndergraduate Scholars ProgramsRising Business LeadersEccles Alumni Network (@ecclesalumni) | Instagram Eccles Experience Magazine

Content Warning: This episode addresses sensitive and potentially triggering topics within the psychedelic space, including ethical misconduct, facilitator abuse, and sexual abuse. We encourage you to prioritize your well-being and skip this episode if you are feeling sensitive to these topics at this time.This episode explores how unbalanced power dynamics create an environment where abuse patterns, like overriding client autonomy and gaslighting, flourish in caretaker positions like psychedelic facilitation. To counter this, the community must embrace open communication and foster facilitator accountability, recognizing that conflict is generative and vital for ethical healing.Our guest is Mikaela de la Myco, a mother, herbalist, educator, researcher, and facilitator whose work centers on ancestral healing, sacred earth medicine, and trauma-informed care.As the founder of MushWomb, she creates education and containers for birthing people, queer folks, and BIPOC. Based in the occupied Kumeya and Luiseno territory in San Diego, California, Mikaela draws from her indigenous Mexican, Afro-Caribbean, and Southern Italian roots to promote well-being. Professionally, she spearheads organizations like Eco Sensual, the Herbal and Trauma-Informed Advocacy Training, Ma'at, the Matriarchal Alliance for Accountability and Transparency that represents the collective voices of survivors in the psychedelic space, and Mothers of the Mushroom Research and Resources for Psychedelic Families. Known as a maternal caretaker in her community, Mikaela collaborates with individuals, families, and organizations alike in the struggle to rematriate entheogens.More from our Guest:Free Addressing Psychedelic Harm in Community lecture (a part of the full Eco Sensual course, a trauma-informed training for facilitators and community members within altered states of consciousness)  Support the showPsychedelic Passage is your partner in safe, supported, and effective psychedelic journeys. As the first concierge service in the U.S., we connect you with vetted facilitators who value integrity and expertise. We're glad you're here, and we look forward to supporting you on your journey. No mushroom source? No problem.- Download our Free Psilocybin Sourcing Guide. Want guidance tailored to your needs? - Book a free Pathfinding Call for personal support. Curious or seeking connection? - Join our online care community to learn, share, and grow with others.- Join our next Q&A or Facilitator Chat for free. Want to support the show?- Subscribe here.

Fresh off her third consecutive (and fourth overall) U.S. Women's Championship title, I was honored to catch up with 22-year-old IM Carissa Yip. Carissa has taken a gap year from Stanford University and is immersed in a demanding schedule of training and competition. She's had some excellent results this year and is now ranked #21 among women in the world. Despite her success, Carissa has also experienced the emotional ups and downs that every serious chess player can relate to. In our conversation, she discusses: Her personal recollections of GM Daniel Naroditsky, including how he once went out of his way to help her prepare during a major tournament. The helpful opening advice recently shared with her by her friend and coach, GM Awonder Liang. How she overcame sluggish starts to win both the 2025 U.S. Women's Championship and the Cairns Cup. Carissa shared a mix of funny stories and thoughtful reflections on her training regimen, the gender gap in chess, and her advice for improvement. She even recommended a novel to read and touched on her passion for writing. I really enjoyed catching up with Carissa and am excited to see her bright future continue to unfold.  0:00- Thanks to our sponsor, Chessable.com! If you sign up for Chessable Pro in order to unlock discounts and additional features, be sure to use the following link: https://www.chessable.com/pro/?utm_source=affiliate&utm_medium=benjohnson&utm_campaign=pro And you can check out their new offerings here: https://www.chessable.com/courses/all/new/ 0:02- Carissa joins the pod. She begins by sharing her recollections of GM Daniel Naroditsky  Mentioned: Zatonskih-Yip 2020 https://www.chessgames.com/perl/chessgame?gid=2011266 0:05- Carissa had slow starts at both Cairns Cup and this US Champs- why?  0:07- Carissa's training regimen Mentioned: Killer Chess Training 0:09- Carissa's Opening Approach Mentioned: GM Awonder Liang Check out Carissa's US Championship Games here: https://lichess.org/study/etqoyX0E/QRi8cCdw 17:00- How to approach a new opening 19:00- Carissa's approach to training games 22:00- Patreon mailbag question: Would Carissa prefer a corporate career or to pursue chess professionally?  24:30- Carissa retells the story of a funny bet between GM Awonder Liang and GM Sam Shankland Mentioned: February 2025 Chess Life Magazine https://new.uschess.org/magazine/feb-25-chess-life 28:00- Patreon mailbag question: How can overcome a slow start, as Carissa has done repeatedly?  36:00- Carissa's fiction recommendation: Small Things Like These by Claire Keegan 38:00- Carissa' passion for writing  40:00- What was the e-sports experience of the recent USA vs. India match like?  48:00- Patreon mailbag question: Why does Carissa think no female player subsequent to Judit has reached her level of dominance?  54:00- Patreon mailbag question: If Carissa could ask men in chess to do one thing differently, what would it be?  57:00- Carissa discusses her friendship with rising American star, IM Alice Lee 59:00- Carissa's upcoming tournaments 1:01- Carissa' chess improvement advice! Thanks to Carissa for joining me again! Be sure to follow her on X and Instagram: https://www.instagram.com/carissayip/ https://x.com/carissayipchess?lang=en Image in thumbnail by Lennart Ootes via St. Louis Chess Club https://www.flickr.com/photos/stlchessclub/54876804247/in/album-72177720329882462 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Our second Monday Huddle Book Recommendation is Figure it Out by Mark Speckman. Mark has been a Championship Coach at the HS and College Level, and he's also coached Professionally. And his mantra, given to him by his Mother was this - Figure it Out. You see, Mark was born without hands! His book tells how he approached life with a determination - without excuses - and a steadfast mindset of Figure it Out. THIS is The Educational AD Podcast!

Kelly Ehlers is the creator of The Tease and a fellow Hair Baby such as myself. Professionally, this powerhouse of a babe runs her own PR Firm as well as hosts her podcast, "Volume Up by the Tease." Listen and Watch my chat with this babe and get inspired to do ALL. THE. THINGS! I definitely did! WANT MORE KELLY? Website: https://www.thetease.com/Instagram: https://www.instagram.com/readtheteasePodcast: https://www.instagram.com/volumeupbytheteaseWANT MORE KRYSTINE?For 1:1 Coaching, Freebies & More, TAP HERE: ⁠bit.ly/3S5R2lo⁠LOVE THIS EPISODE?Leave Your Ratings, Reviews & Comments on the Podcast! Your feedback allows for more nourishing content and for more on-point education for beauty & barber pros.

“I want to be the light I wish I'd had in my darkest moments.” As we close out Pregnancy and Infant Loss Awareness Month, we are sharing Abbie's two birth stories and honoring the memory of her firstborn, Rowan. Rowan was born prematurely via emergency Cesarean at 29 weeks during the height of COVID and passed several weeks later in the NICU. Abbie shares what it was like to come home from the hospital without a baby, the weight of overwhelming grief, and how self-care has helped her find healing. Her second pregnancy was labeled advanced maternal age and considered high risk. With the support of her care team, Abbie went on to have a healthy and empowering VBAC birth at 41 weeks that was filled with joy and deep healing.Professionally, Abbie is a massage therapist. She shares her tips around things like herbal support, massage therapy, and acupuncture. Abbie wants Women of Strength to know that acknowledging fear doesn't mean we have to act on it. “Be afraid when you're afraid, but do it anyway— whatever it is. Different baby, different birth.” Needed Website: Code VBAC for 20% OffThe Ultimate VBAC Prep Course for ParentsOnline VBAC Doula TrainingSupport this podcast at — https://redcircle.com/the-vbac-link/donationsAdvertising Inquiries: https://redcircle.com/brands

In this episode of Passions Podcast, LeTara and Maria dive into episodes 871–875 of *Passions*, where weddings, witchcraft, and wild premonitions collide in Harmony.✨ **This Week in Harmony Includes:*** Kay confronts Miguel in the *actual* confessional

Grab your emotional support beverage it's time for group vent. Tracy and Jess open the floor to every petty, dramatic, and totally valid complaint you didn't know you needed to get off your (fake) chest. From the horror of explaining sex to our kids to questioning our own talent after watching North West perform like she owns Pride Rock, consider this our official meltdown. No solutions, just vibes.---Binge 200+ past episodes, join the Club Baddies community, and follow along on Instagram at @BadExamplesPodcast.For ad-free episodes and bonus content that could definitely get them canceled, join the Patreon.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ever feel like life's moving so fast that you forget to pause and reflect on what's actually working—or what's not? We all get caught up chasing goals, juggling priorities, and trying to “do more,” but sometimes the real key to living happier isn't in doing more—it's in reflecting more. That's exactly what I unpack in this solo episode of The Happy Hustle Podcast, where I dive into one of my all-time favorite reflection practices: The Rose, Thorn, and Bud Method.This stupid-simple (yet incredibly powerful) exercise has been used by Navy SEALs, Silicon Valley founders, and high-performing entrepreneurs across the world. And it's one that I personally use to get clarity, cultivate gratitude, and stay in harmony—both in business and in life. The beauty of this practice is that it doesn't take long, but it can completely shift how you show up every day.So here's the breakdown. The Rose represents what's going well in your life—your wins, your highlights, your gratitude moments. For me, my personal rose right now is that my wife is pregnant with our baby girl (yep, I'm about to be a #GirlDad, and I couldn't be more excited!). Professionally, my rose is hosting the upcoming Optimized Life Mastermind with my buddy Ben Greenfield, which is shaping up to be an epic experience for entrepreneurs who want to level up their health, wealth, and happiness.Then comes the Thorn—the challenges, the friction points, the stuff that's testing you. I'll be real with you, my thorn lately has been not showing up as intentionally in my marriage as I'd like to. I've been on the road nonstop for masterminds and events, and it's been tough to balance that with being the husband Steph deserves—especially now that she's pregnant. Professionally, my thorn has been building out a new SaaS business that's pushing me outside my comfort zone. It's exciting, but it's also tough. And that's okay. The thorn reminds us to pay attention to what needs care, boundaries, or change.Finally, there's the Bud—what's emerging, what's next, what you're excited to nurture and grow. For me, it's watching my son step into big brother mode and seeing The Happy Hustle Club continue to blossom into a supportive brotherhood of heart-centered entrepreneurs. This community blows me away with their vulnerability, generosity, and genuine support for each other—it's proof that when you lead with love and authenticity, you attract the right tribe.If you take one thing from this episode, let it be this: reflection isn't just about slowing down—it's about tuning in. It's how you spot the blessings, transform the struggles, and plant the seeds for what's next. When you take the time to acknowledge your roses, your thorns, and your buds—personally and professionally—you gain the clarity and alignment to truly Happy Hustle your dream reality.So grab a journal, take five minutes, and write it down: What's your rose? What's your thorn? What's your bud? The answers might just change the way you show up for yourself and others.Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance https://www.thehappyhustle.com/bookSign up for The Journey: 10 Days To Become a Happy Hustler Online Coursehttps://thehappyhustle.com/thejourney/Apply to the Montana Mastermind Epic Camping Adventurehttps://thehappyhustle.com/mastermind/“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode Sponsors:If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body actually needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all nightIf you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at bioptimizers.com/happy and use code HAPPY10 for 10% OFF.99 Designs- Need a killer logo, stunning website, or next-level brand design?Stop DIY-ing and start delegating like a boss with 99designs by Vista! Neurable- If you're looking to level up your focus, productivity, and mental well-being all at once, do yourself a favor and check out Neurable. You get a special hookup—just use the code HAPPY at checkout and get $100 off.

As seen on Guteld! former President Joe Biden is struggling to adjust to civilian life.  Also, Greg delivers a spicy take on the professionally miserable and their dramatic “Trump Derangement Syndrome”. Learn more about your ad choices. Visit podcastchoices.com/adchoices