Podcasts about proven ways

Today's guest is Tracy Brinkmann, the host of The Dark Horse Entrepreneur – AI Escape Plan and Your Success DNA. A former military man and father of four, Tracy's story is pure grit — from battling addiction, losing his infant daughter, enduring divorce and bankruptcy, to rebuilding his life from scratch. He rose to lead corporate marketing teams, built two top-ranked podcasts with over 300,000 monthly downloads, and now helps small businesses generate a month's worth of revenue in a single week through AI-powered automation. Tracy doesn't just teach strategy — he embodies resilience, and he's here to help your audience transform adversity into unstoppable momentum.Visit DarkHorseEntrepreneur.comYour Success DNA Podcast: https://www.yoursuccessdna.com/

In today's episode, Gina shares methods for experiencing more peace and calm you can use during the holidays and beyond. The importance of understanding the "second arrow" concept is emphasized (the second arrow being the extra mental baggage and worry we attach to events in your environment, which we CAN have some control over). Slowing down and freeing ups time and space in our day are among some of the suggestions discussed. Listen in and know more peace and calm this holiday season!Please visit our Sponsor Page to find all the links and codes for our awesome sponsors!https://www.theanxietycoachespodcast.com/sponsors/ Thank you for supporting The Anxiety Coaches Podcast. FREE MUST-HAVE RESOURCE FOR Calming Your Anxious Mind10-Minute Body-Scan Meditation for Anxiety Anxiety Coaches Podcast Group Coaching linkACPGroupCoaching.comTo learn more, go to:Website https://www.theanxietycoachespodcast.comJoin our Group Coaching Full or Mini Membership ProgramLearn more about our One-on-One Coaching What is anxiety? Find even more peace and calm with our Supercast premium access membership:For $5 a month, all episodes are ad-free! https://anxietycoaches.supercast.com/Here's what's included for $5/month:❤ New Ad-Free episodes every Sunday and Wednesday❤ Access to the entire Ad-free back-catalog with over 600 episodes❤ Premium meditations recorded with you in mind❤ And more fun surprises along the way!All this in your favorite podcast app!Quote:Nature does not hurry, yet everything is accomplished.-Lao TzuChapters0:26 Holiday Swirl and Mindful Moments4:25 The Second Arrow Explained6:49 Tools for Calming Your Mind8:24 Creating Space for Peace10:45 Letting Go of Unnecessary Commitments12:31 Grounding Practice for the Rush15:20 Community and Shared JourneysSummaryIn this episode of the Anxiety Coaches Podcast, I delve into the challenges that often arise during the bustling holiday season, a time filled with heightened expectations and packed schedules that can leave our sense of calm feeling very distant. I explore the concept of the "holiday swirl"—that unique blend of excitement and overwhelm where our peaceful moments seem to dwindle. The focus today is about how we can consciously remove the internal pressures that transform joyful gatherings and errands into sources of significant stress.I introduce an essential tool in relieving that pressure: the principle of the second arrow. The first arrow represents the situation we find ourselves in—whether it's being stuck in traffic, waiting in a long line, or dealing with unexpected weather. This is simply life happening in real time. The second arrow, however, is the additional mental anguish we attach to these circumstances—thoughts of self-blame, anxiety over timing, or a sense of impending chaos. I want to emphasize that this second arrow, the rush and frantic mindset, is an optional addition to our experiences.The heart of my discussion encourages a shift in perception: the idea that breathing and embracing a slower pace can cultivate a sense of peace amidst the holiday fuss. I offer listeners a moment to pause, breathe deeply, and embrace the notion that “I'll get there when I get there.” This mindset is not an acceptance of defeat but rather an invitation to experience freedom from the pressures we place upon ourselves, resonating with Gandhi's wisdom that life is more than simply speeding through our tasks.#HolidayStress#AnxietyRelief#SecondArrow#MindfulnessPractice#EmotionalRegulation#SelfCareMatters#StopTheRush#PeacefulHolidays#BreathingTechniques#BuddhaBellyBreathing#Grounding#ProcrastinationHelp#Unschedule#MentalWellness#InnerCalm#LaoTzu#Gandhi#AnxietyCoachesPodcast#GinaRyan#PersonalDevelopment#StressManagement#ACPSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Approaching women in public is rarer than ever, which means if you can do it well, you instantly stand out.In this episode, Marni and Kristen break down the real “first impression” stuff that actually matters: your face, your eyes, your smile, your energy, and your tonality. You'll learn how to fix resting “don't talk to me” face, how to use subtle push-pull with expressions, and a simple way to practice on camera so women feel safe, curious, and open around you.Then dating coach Patrick James joins to share how to create attraction fast without overthinking your lines. Why being direct works better than “interview questions,” how to start conversations that feel natural, and the secret move that makes you stand out in under a minute: playful rapport breaks.>>> Want Patrick's exact playbook? Grab his book 107 Proven Ways to Get the Girl here: https://www.howtogetthegirlnow.com/>>> Become the most magnetic, witty and attractive version of yourself. Apply for Kristen's transformative coaching here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠kristenandchilldating.com/coaching⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>>> Get A FREE copy of Marni's Flirting Cheatsheet Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠winggirlmethod.com/yousoflirty ⁠⁠⁠⁠⁠⁠⁠⁠

Joe DiChiara is a Certified Public Accountant and visionary entrepreneur with over 40 years of experience helping small business owners succeed. He is the founder and CEO of CPAi Business Builders, Bedrock Tax Solutions, and Bedrock Business Training, where he combines traditional financial expertise with cutting-edge AI tools to simplify and scale entrepreneurship.A #1 best-selling author, speaker, and podcast host, Joe has trained thousands of self-employed professionals worldwide and is on a mission to disrupt the accounting industry by delivering affordable, AI-powered business solutions. His passion is empowering entrepreneurs to overcome bureaucracy, eliminate overwhelm, and build businesses that truly work for them.Visit Joe's Website: www.cpaibusinessbuilders.com

Send us a textIf your Instagram growth feels stuck or you are posting without a clear direction, this episode gives you clarity fast. I break down the five Instagram growth hacks that are helping small business owners grow their accounts, tighten their messaging, and get more eyes on their work. Each strategy is simple. Each strategy is doable. Each strategy is relevant to your 2026 plan.I also share how these principles work inside Hot Reels, my high-touch content lab for business owners who want clarity, confidence, and a repeatable system that drives real results.What You'll Learn[00:00] Why your Instagram growth feels stalled [00:26] Five simple growth strategies that work in 2026 [07:16] Growth hack #1: Target market research [12:52] Growth hack #2: Narrow your focus [16:43] Growth hack #3: Trial Reels [21:19] Growth hack #4: Remixes [23:38] Growth hack #5: Talking head videos and stories [25:22] How Hot Reels supports you year-roundKey TakeawaysYour audience responds when you use their exact words.Clear focus helps the right followers see themselves in your message.Trial Reels remove guesswork and speed up your growth.Remixes help your reach when you add your own perspective.Talking head videos deepen trust and connection fast.Links and ResourcesJoin the Hot Reels waitlist or DM me hot on InstagramRead Dani's Story: How She Made $100K from Instagram in Under 12 Months (A Hot Reels Success Story)CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

KUTE BLACKSON is a beloved inspirational speaker and transformational teacher. He speaks at countless events he organizes around the world as well as at outside events including A-Fest, YPO (Young Presidents' Organization), and EO (Entrepreneurs' Organization). He is a member of the Transformational Leadership Council, a select group of one hundred of the world's foremost authorities in the personal development industry. Winner of the 2019 Unity New Thought Walden Award, Blackson is widely considered a next generation leader in the field of personal development. His mission is simple: To awaken and inspire people across the planet to access inner freedom, live authentically and fulfill their true life's purpose.Join Kute in Balie for his Boundless Bliss Bali Experience - https://www.boundlessblissbali.com/Visit Kute's Website: www.kuteblackson.com

Cold season doesn't stand a chance when you've got the right strategy. In this episode, Dr. AdamBrockman counts down the Top 10 evidence-based immunity hacks that keep the healthiest peoplethriving all winter long. From superfoods and sleep secrets to stress resets and the timing tricks yourimmune system depends on, this is your blueprint for staying strong through every cough, sneeze, and sniffle around you. Learn why your gut is your best defense, how simple daily habits can slash your sick days, and which natural tools belong in your winter wellness arsenal. Tune in, take notes, and give your immune system the upgrade it deserves—because this winter, you're not just surviving… you're thriving.Health Alternative of the WeekProduct Recall of the WeekHealthy Mystery of the Week

In this episode, Dr. Jockers dives into the importance of stomach acid for proper digestion and overall health. He explains how low stomach acid can lead to nutrient deficiencies, gut infections, and digestive issues like bloating and reflux. Dr. Jockers also shares simple at-home tests to determine if your stomach acid levels are sufficient.   You'll learn how stomach acid plays a key role in breaking down protein and absorbing vital minerals like magnesium, zinc, and iron. Without enough acid, your body can't effectively absorb nutrients, which impacts energy levels, skin health, and immune function.   Dr. Jockers also offers practical tips to improve stomach acid production naturally, including how to activate the vagus nerve and optimize digestion with simple lifestyle changes. By the end of the episode, you'll have actionable steps to support your gut health and boost nutrient absorption.   In This Episode:  00:00 Introduction to Stomach Acid and Digestion 00:31 Importance of Stomach Acid 01:39 Blood Sugar and Insulin Resistance 03:49 How to Test Your Stomach Acid Levels 04:00 Role of Stomach Acid in Digestion 10:31 The Steak Test 14:12 Apple Cider Vinegar Test 15:59 Baking Soda Test 17:21 Optimizing Stomach Acid Levels 21:04 Conclusion and Final Thoughts Ready to supercharge your metabolic health? BiOptimizers Berberine is a powerful, natural compound known for regulating blood sugar, supporting healthy cholesterol levels, improving liver function, and boosting metabolic balance. It's backed by research showing benefits for insulin sensitivity, lipid profiles, and reducing inflammation.   Order Berberine Breakthrough today at bioptimizers.com/jockers and save 10% with the code JOCKERS!   If you're serious about reducing your toxic load, I highly recommend upgrading to the P600 ceramic cookware. It's 100% free from Teflon, PFAS, and plastic coatings, ensuring a non-toxic cooking experience. Right now, you can get it for 50% off, plus an extra 20% off with the code SAFE20 at checkout! Don't miss this limited-time offer—head to chefsfoundry.com/jockers to claim your discount today!     "Low stomach acid is one of the biggest hidden drivers behind gas, bloating, and microbial overgrowth."  ~ Dr. Jockers     Subscribe to the podcast on: Apple Podcast Stitcher Spotify PodBean TuneIn Radio     Resources: Use code JOCKERS at bioptimizers.com/jockers to save 10% Use code Safe20 at chefsfoundry.com/jockers     Connect with Dr. Jockers: Instagram – https://www.instagram.com/drjockers/ Facebook – https://www.facebook.com/DrDavidJockers YouTube – https://www.youtube.com/user/djockers Website – https://drjockers.com/ If you are interested in being a guest on the show, we would love to hear from you! Please contact us here! - https://drjockers.com/join-us-dr-jockers-functional-nutrition-podcast/ 

What if a few simple changes could dramatically upgrade safety at your practice, starting today? In this episode, Anne Duffy sits down with Deanna Otts-Whitfield, a Marine Corps veteran turned dental safety leader. They explore the journey, grit, and daily practices behind safer dental care. Deanna opens up about her transition from military service to her pivotal role in dentistry, revealing how discipline, resilience, and a commitment to service shaped her unique path. Her story is filled with insights into the challenges she faced, the lessons she learned, and the passion that drives her to improve safety protocols across the dental industry. Through candid conversation, Deanna explains why proper PPE use is more than a box to check (it's a responsibility that every dental professional holds.) She spotlights frequent missteps, shares practical tips for boosting safety and compliance, and makes the case for ongoing education in an ever-changing field. Whether you're a seasoned dentist, a dental hygienist, or just starting in the profession, this episode offers real-world ways to heighten patient safety and protect your team. What You'll Learn in This Episode: The key lessons Deanna learned transitioning from the Marine Corps to dentistry Common PPE mistakes and straightforward fixes to strengthen dental safety Why compliance is a mindset, not just a checklist, in modern dental practices How to implement up-to-date infection prevention protocols in your workplace The value of ongoing education for dental professionals in a shifting landscape Inspiration to take pride and responsibility in maintaining safety standards Where to go for reliable resources and expert guidance on dental compliance Press play to uncover Deanna's inspiring career insight that can transform your approach to dental safety, starting today! Learn More About Deanna Otts-Whitfield Here! Website: https://www.copperpennyconsulting.com/ Instagram: https://www.instagram.com/deannardh/ Don't Forget to Sign Up for the Next DeW Retreat: Secure your spot by clicking here! Love the podcast? Please leave us a review! It will help us help more entrepreneurs just like you ❤️ Want to get more involved? Join our membership and community below for exclusive perks! Join the DeW Life movement by becoming a member using this link.Join the Dental Entrepreneur movement by becoming a member using this link.Read the most recent edition of DeW Life Magazine here.Just DeW It Podcast is the official podcast of Dental Entrepreneur Women (DeW), founded by Anne Duffy, RDH. The mission of DeW is to inspire, highlight, empower, and connect all women in dentistry. To join the movement or to learn more, please visit dew.life. Together, we can DeW amazing things! References: Events:DeW Retreat 2026 People:Amy Wood Organizations:Association for Dental Safety

If you're feeling the pinch from lower occupancy or slipping ADRs, it's time to get proactive. This week, we're diving into 10 revenue-boosting strategies you can implement immediately to increase your visibility, occupancy, and profitability—without adding stress. From pricing tactics to pet policies, these quick wins will help you maximize every booking. • Discover the overlooked upsells that can instantly add cash to your bottom line. • How gap-night extensions can fill your calendar and reduce unbookable dates. • The low-cost tech upgrade that slashes utility bills and boosts control. • Why going pet-friendly could dramatically increase your bookings. • Strategies to stretch your average length of stay—and your profits. Whether you're managing one unit or a growing portfolio, these 10 tips will help you earn more from every guest. Hit play and start optimizing your rental today! Check out our videos on YouTube: https://www.youtube.com/@ShortTermRentalRiches Grab your free management eBook: https://strriches.com/#tools-resources Looking to earn more with your property (without the headaches)? Chat with our expert management team: https://strriches.com/management-services/

Episode #136 of Work Comp Talk is here, and this one can literally change the outcome of your workers' comp case. Hosted by Carmen Ramirez and Attorney Bilal Kassem, this episode breaks down the real, practical, battle-tested strategies that every injured worker needs to know. These Top 5 Ways to WIN Your Workers' Comp Case could be the difference between getting denied… or receiving the full benefits, medical care, and settlement you truly deserve.  Whether you're new to the workers' comp system or already stuck in the middle of a frustrating process, this episode gives you the clarity, confidence, and guidance you need to move forward.    Takeaways:  The Kite case advocates for simple addition in disability ratings.  The Vigil case clarifies the use of simple addition for combined injuries.  Injured workers should ensure all body parts are included in their claims.  Choosing the right doctor can significantly impact recovery and case outcomes.  Fighting denials is essential; don't accept them without challenge.  Understanding your rights is crucial in navigating workers' compensation.  Communication between doctors and lawyers is vital for patient care.  Proactive advocacy can lead to better case outcomes.    Chapters:  00:00 Introduction: 5 Positive Ways to Win Your Case 01:36 Kite & Vigil Cases: Changing How Your Disability Is Calculated 06:00 Positive Way #2: Make Sure Every Injury Is Included 09:08 Positive Way #3: Choosing the Right Doctor for Your Case 13:21 Positive Way #4: Fighting Treatment Denials Without Giving Up 16:24 Positive Way #5: Understanding Your Rights in the Workers' Comp System   This episode is sponsored by Pacific Workers, The Lawyers for Injured Workers, the trusted workers' compensation law firm in Northern California. With over 10,000 cases won and more than $350 million recovered for injured workers, we are here to help if you've suffered a workplace injury.    Visit our FAQ and blog for more resources:  https://www.pacificworkers.com/blog/     Follow Us on Social Media for More Content!  

In this episode, I share with you eight proven, no-cost strategies to grow your audience - without spending money on ads. I believe that with consistency and creativity, you don't need a big budget to build reach. I walk you through actionable tactics: from podcast guesting and public speaking, to creative lead magnets and AI-optimized content. If you're looking for ways to grow your following organically, this episode is for you. Key Takeaways 1. Organic growth - without ads - is about long-term consistency, not quick wins. The strategies I share (guesting, speaking, collaborations, lead magnets, AI-optimized content) don't deliver instant overnight growth — but they build sustainable exposure, trust, and engagement over time. Because they leverage existing audiences and evergreen content, they can continue attracting new people long after the work is done. 2. Collaboration beats isolation: tapping into other people's platforms can grow your reach faster. By guesting on podcasts, speaking at events, joining bundles or summits, or collaborating with communities and peers, you get access to listeners/followers who already trust the host or community — which means you don't have to start building your audience from zero. It's a faster, more efficient way to grow an engaged audience than relying solely on your own channels. 3. Lead magnets and interactive content (quizzes, DMs, AI-optimized offers) turn passive interest into real connection - which builds deeper relationships and higher conversion potential. Instead of hoping people stumble on you, these tools invite people to take action — subscribe, engage, respond. That deepens their commitment and gives you a direct path to nurture them, rather than passively waiting. LINKS TO RESOURCES MENTIONED IN TODAY'S EPISODE Connect with Teresa on Website, (Grow, Launch, Sell), Sign up to Teresa's email list,  Instagram, LinkedIn, or Facebook, Subscribe to my Youtube, teresaheathwareing.com/quiz, http://teresaheathwareing.com/scoreapp Transcript Growing an audience is one of the most important things that you can do for your online business. And if like me, you're a little bit sick of social media and feel like you are posting into a void every single day, then you are going to want to stick around for this episode. As I explained to you the eight proven ways to grow your audience without paying any money on ads. If we've not met, my name is Theresa Heath Waring and I help course creators,...

Send us a textMost people lose their ideal audience in the first two seconds of a video. That tiny moment determines whether someone keeps scrolling or thinks this message is for me. If your content feels ignored or flat, the issue usually starts with your hook.If you want stronger engagement, better watch time, and more qualified leads from your content, this episode gives you the exact tools to make that shift.What You'll Learn[00:00] Why the first two seconds decide whether your content works [00:29] The reason hooks fall flat and how to fix them [01:32] Why hook creation is a learnable skill [02:28] How clarity and brevity help your message land [03:49] The three hook strategies I teach inside Hot Reels [07:05] Real client wins that show what is possible [08:59] Why attention leads to conversions [09:29] How to write hooks that speak to your ideal clients [12:15] How to remove filler words and sharpen your messaging [13:41] Examples of hooks that activate the right audience [14:39] How to use your audience's language when you write hooks [17:30] How to use client conversations to find better hook ideas [18:55] A simple hook structure anyone can follow [19:51] How pacing and editing keep viewers engaged [21:46] How movement, cuts, and angles strengthen your videos [22:17] Why implementation drives results more than informationKey TakeawaysYou have two seconds to earn someone's attention on Instagram.Clear and brief hooks outperform long and complicated statements.Your content resonates when you use the words your audience uses.Strong pacing and simple edits help people stay with your message.Small upgrades each week create major results over time.Support and mentorship remove guesswork and speed up growth.This Week's ChallengeChoose one hook strategy from this episode. Use it in your next reel, story, or carousel. Keep it short. Make it clear. Use your audience's exact words. Then post it without overthinking.Links and ResourcesJoin the Hot Reels waitlist or DM me hot on InstagramRead Dani's Story: How She Made $100K from Instagram in Under 12 Months (A Hot Reels Success Story)CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

This post shares five practical strategies to enhance supervisor accountability in safety management without overwhelming them. Learn how to integrate safety into existing workflows, engage employees in safety tasks, and use regular safety huddles to foster a culture of safety excellence. These tips help reduce incidents, improve productivity, and build sustainable safety practices from the frontline up. See the full show notes at https://thesafetygeek.com/136 Time Stamps:00:00 Introduction: The Importance of Supervisor Involvement in Safety00:57 Personal Greeting and Seasonal Remarks01:23 Defining the Role of Supervisors in Safety03:06 Challenges Supervisors Face with Safety Tasks03:52 Tip 1: Integrate Safety into Daily Tasks06:14 Tip 2: Combine Safety with Quality and Operations08:32 Tip 3: Shadow Supervisors Regularly09:51 Tip 4: Empower Employees to Lead13:25 Tip 5: Conduct Regular Supervisor Meetings17:27 Conclusion and Call to ActionThank you for taking the time to listen to this episode. If you liked it, be sure to share it with your best safety friend. It's a goal of The Safety Geek to elevate the role of the safety manager, and that is why I share tips and resources on how you can manage your safety program more effectively. Visit the website at https://TheSafetyGeek.com Subscribe to the YouTube Channel at https://www.youtube.com/c/safetygeek Sign up for the Safety Leadership Newsletter, where I share exclusive tips, content, forms, and templates at https://TheSafetyGeek.com/Newsletter Follow me @ Facebook: https://www.facebook.com/TheSafetyGeek LinkedIn: https://www.linkedin.com/in/brye-sargent/ Instagram: https://www.instagram.com/safety_brye/ Pinterest: https://www.pinterest.com/thesafetygeek/

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Send us a textWhat if one year from now you could double your prices, expand your brand, grow your Instagram from under 2,000 followers to more than 22,000, and add more than $100,000 in revenue to your business.That is exactly what happened for my client, Dani Alvarez.When Dani and I first met, she was a homeschooling mom of three running a small farm in Northern Colorado and posting the occasional photo on Instagram. She did not know how to post a reel. She felt stuck and overwhelmed. She wondered if Instagram was even worth her time.Fast forward twelve months, her videos have hit millions of views. Her business has transformed from the inside out. Her brand is clear, elevated, and profitable. And she has added an entirely new revenue stream because of her visibility on Instagram.What You'll Learn[00:00] Dani's growth from 1,800 to 22,000 followers [00:26] Why she almost quit Instagram [00:56] How we doubled her prices [03:20] How Sparrow Hill Beverage Burros began [07:05] When she saw she needed a real strategy [08:26] What we fixed before reels [09:21] Her first bride at the new rate [10:49] Learning reels for the first time [12:43] Daily reel commitment [14:38] Facing the fear of showing up on camera [15:58] Filtering out conflicting advice [17:20] The reality of the first ninety days [19:18] Her first viral reel [24:40] Visibility driving bookings and revenue [30:45] Unpredictable opportunities from social media [32:05] Dani's advice on joining Hot Reels [34:23] Why strategy plus encouragement transforms resultsGuest BioDani Alvarez is the founder of Sparrow Hill Beverage Burros and Friends, a Northern Colorado wedding and events business featuring highly trained mini donkeys and farm animals. She is a former elementary teacher turned entrepreneur who built her business from a small family farm while homeschooling her three children. Dani has grown her Instagram to more than 22,000 followers, added over $100,000 in revenue in one year, and now co-runs a global coaching program for farms wanting to add luxury beverage animals to their offerings. Her work blends hospitality, joyful experiences, and intentional brand storytelling.Links + ResourcesFollow Dani on Instagram: @sparrowhillbeverageburrosBook the Beverage Burros or stay at the Airbnb: farmatsparrowhill.comJoin the Hot Reels waitlist or DM me hot on InstagramCONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

If you want to make more sales without doing more work, this episode breaks down the three simple and proven ways to make a sale in any business. Nicole and Kaila share practical strategies that help high achieving women increase revenue, strengthen their money mindset, and grow a business that feels aligned and sustainable.You will learn:• The three ways every entrepreneur can make a sale• How clarity and alignment increase revenue• Why simplifying your process leads to more consistent resultsAt the end of the episode, we share a free resource from Kayla G called Actualize Your Genius with the Pearl Sequence. You can find the link in the show notes. https://www.kehlag.com/actualizewithyourpearlMentioned in this episode:Ready to have your BEST YEAR YET?Join us for five days of mindset, money, and strategy magic where we'll walk you through how to plan your most aligned, abundant year yet! Monday Nov 24th - Friday Nov 28th WE GATHER DAILY 3-4 pm pst (virtually on zoom) You're a woman in business with big goals your own clients, more cash flow, more freedom But if you're honest… sometimes you're flying by the seat of your leggings. You want to enter 2026 feeling focused and in control because as of right now

Send us a textIn this episode, I go deeper into the visibility work we started last week. I explore two blocks that show up for every entrepreneur I know: imposter syndrome and perfectionism. These patterns often present as hesitation, overthinking, procrastination, or feeling like you need everything perfect before you show up online. I share how they show up in life and business, how they have shown up in my own journey, and how you can move forward with confidence even when doubts and fears are present. I also talk about the power of DM automation and how it keeps your business running even when you step away from your phone.What You'll Learn[00:00] Why visibility work matters and why hesitation usually comes from deeper blocks [00:28] Introduction to imposter syndrome and perfectionism [00:59] My mission to help entrepreneurs get visible and monetize on Instagram [02:07] How DM automation allows your content to drive leads while you are offline [03:03] How keywords in comments or DMs trigger links and next steps automatically [08:43] How imposter syndrome signals growth rather than weakness [10:12] The emotional journey leading up to speaking at Wedding MBA [14:04] How perfectionism shows up through planning, delaying, and waiting [15:00] How writing my book has challenged my own perfectionism [20:30] Why sustainability matters more than hustling in every directionKey TakeawaysImposter syndrome and perfectionism are not signs that you lack readiness. They are signals that you are growing.You do not need to eliminate doubt. You need to learn how to move forward with it.Confidence comes from taking action, not waiting for perfection.Visibility and results come from consistency, not flawless execution.DM automation helps your business continue to sell and serve while you rest or focus elsewhere.Links MentionedTry ManyChat Pro free for 30 days or by DMing me LEADS on InstagramJoin the Hot Reels waitlist or by DMing me HOT on InstagramCONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

In this episode of the REDX Podcast, we feature Frederick Howard, Assistant Team Leader at Keller Williams South Bay in Los Angeles. With over 20 years in real estate and a passion for technology, Frederick reveals how AI is transforming agent productivity and client communication. From automating inbound and outbound calls to creating seamless appointment systems, he shares how embracing AI can free agents to focus on higher-value tasks and scale their business faster than ever.Here's what you will discover in this episode…How AI-driven phone systems can help real estate agents capture every lead and never miss a call again.Why integrating AI into your real estate business gives you a competitive edge in efficiency, follow-up, and client experience.The proven three-part formula Frederick teaches agents to grow their business—waiting for it, paying for it, or going after it.JUMP TO THESE TOPICS00:40 –

Offering extensions can transform your average ticket, attract premium clients, and position you as an expert. In this episode I break down how to use "scholarship" (free-labor) installs to sprint your social proof, fill your portfolio, and raise prices with confidence, without giving away the store. You'll get scripts, a 7-day action plan, and the math to make it smart. Get FREE access to our profit making webinar: https://small-kiwi-98108.myflodesk.com/ao7u0l0qzq Get 20% off your first order & subscribe to Rooted Hair for ongoing deals & education: https://rootedhair.ca/ Key Take-aways: 1. Free or low-cost installs are not "giving away time" — they're a strategic investment that builds your portfolio, confidence, and social proof. 2. Choose models intentionally; their hair, vibe, and reliability should match your dream client. 3. Always do an in-person consultation to assess density, texture, lifestyle, and realistic expectations. 4. Use model installs to capture strong content: videos, transformations, reactions, and movement shots. 5. Set clear expectations — free installs do not include free maintenance. 6. Outline deliverables for your model such as tags, testimonials, or specific content requirements. 7. Recommend the extension method that fits the client's hair and lifestyle, not just what you want to showcase. 8. Present your offer as a structured model call, not a giveaway. 9. Use the model period for testing, check-ins, and refining your technique and systems. 10. Limit freebies to maintain value and avoid attracting bargain-hunters. 11. Avoid models needing heavy color correction — it adds unpaid hours and unpredictable results. 12. Use team members as in-salon models to build credibility and visibility. 13. Start with a small beta group to gather feedback, testimonials, and repeat business. 14. Track long-term earnings — even a handful of models can generate thousands in yearly maintenance revenue. 15. Practice before launching publicly; confidence grows through private reps and real clients. 16. Streamline your technique — clients value efficient installs just as much as luxury experiences. 17. Avoid selecting models strictly through DMs; refusals to consult in person are red flags. 18. Remember: free installs are an intentional investment that fuel your launch, proof, and profitability. Take 15% off our favorite skincare line, Pharmagel with code SSA15: https://pharmagel.net/?ref=AMBROSIAMANN  

Every teacher has that moment when they realize—“ugh, I missed it.” The chance to redirect before things spiraled. In this week's episode, Audra and Caitlin flip the classic “Catch Them Being Good” idea into something even more powerful: Catch Them First. They share three simple, proactive strategies you can use to prevent behavior issues before they happen—so you spend less time reacting and more time connecting.

What if Alzheimer's wasn't inevitable, but largely preventable? Dr. Axe unpacks groundbreaking research showing how diet, movement, and mindfulness can dramatically lower your risk. Watch The Dr. Josh Axe Show every Monday & Thursday on YouTube: ⁠https://www.youtube.com/@drjoshaxe⁠

Send us a textIf people do not know you exist, they will not buy from you. It sounds simple, but visibility requires more than hitting publish on a post. It requires you to show up as your real self. It requires you to let your audience connect with your humanity. That means being honest. It means being a little messy in public. And that is where the fear kicks in.In this week's episode, I share the first two visibility blocks that keep entrepreneurs stuck, silent, or overthinking every word they publish. I walk you through fear of judgment and self doubt. I share stories from my own journey, from speaking on the biggest stage of my life to blocking real life people on Instagram so I could create freely again. You will learn how to find evidence that you do know what you are doing and how to support your nervous system as you grow.This is part one of a two part series. Today we explore fear of judgment and self doubt. Next week we explore imposter syndrome and perfectionism.What You'll Learn[00:00] Why you must be seen to be paid and why visibility requires honest humanity [00:29] Why sharing your struggles matters for connection and sales [00:58] How appropriate vulnerability builds trust with your audience [01:15] Why visibility feels scary and how to navigate those emotions [01:52] My prep for speaking at the Wedding MBA and how perfectionism shows up [02:46] Why caring deeply often looks like anxiety and high standards [04:07] How visibility triggers self reflection and inner growth [05:30] The first two visibility blocks you must understand [10:17] Understanding the self doubt block and where it comes from [16:53] What my clients seek in Hot Reels and why it works [17:50] How Instagram reflects your inner world and leadership [18:20] Why confronting your inner blocks creates long term success [18:46] How Hot Reels helps you build visibility, messaging, and funnels [19:11] Why you need an intentional content system that sells for youLinks and Resources MentionedJoin the Hot Reels Waitlist: elizabethmarberry.com/hot. Get early access and bonuses when doors open in December.CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

In this episode, Dr. Hemingway, gets down to the 7 most Powerful Strategies to Boost your Immune Health, Naturally and Repeatedly--Proven Strategies that are Simple and Effective and Available.Add one Strategy each week and in less than 2 months your Immune System will be your best and most valuable Partner (MVP) not just in Flu Season but it Life as it helps you reduce inflammation which is the most common root of almost all disease, from heart disease to cancer, getting your Immune System to work as it's designed is your Legacy and it's possible through these Seven Simple Steps.Have a Listen and SHARE with a friend!**JOIN DR. HEMINGWAY at ALIGN AWAKEN!  Event in San Diego Jan 22-25, 2026!*ACCESS my FREE workshop, "Younger, Stronger, for Longer!"  How to turn back your biological age 10-20 years so you can do the things you want to do that you no longer thought possible due to your age.  Perform at your best and live your best life!*And, in my new Performance, and Longevity medical practice we specialize in turning back your biological age and OPTIMIZING HORMONES so you can feel a decade or more younger so you can do the things you want to do that you thought were no longer possible due to your age.  Join the waitlist here!*SHARE with a Friend and please drop a Review:)*Don't wait to Prioritize your health, Start Today with the Simple and Powerful Steps detailed in my Best-selling book.*GET DIRECT ACCESS to DR. HEMINGWAY in these AMAZING COURSES!**Free resource: 'The truth about GLP-1s and their alternatives' - https://drthomashemingway.myflodesk.com/n1yyjkcb68Mahalo and Aloha andTo your health,

Where do you think you are on the wealth ladder? Just starting out and struggling to save? Sitting on six figures and wondering what's next? Or maybe you've hit a financial milestone—but it doesn't feel as life-changing as you expected.Today's episode is all about understanding what changes—and what should change—as you move up the financial ladder.My guest is Nick Maggiulli, author of The Wealth Ladder, a new book that introduces a six-level framework for wealth building and financial strategy. We dive into the key questions we all face on the journey to financial independence:How do you break out of Level 1 when you're living paycheck to paycheck?Is a side hustle actually worth your time—or just another distraction?And how should your mindset and money strategy evolve as your net worth grows?Plus, we explore his 0.01% spending rule and 1% earning rule—two powerful benchmarks to help you spend smarter and pursue income opportunities that truly move the needle.More about Nick: He is the Chief Operating Officer and a data scientist at Ritholtz Wealth Management. He's also the author of the blog Of Dollars and Data and the books Just Keep Buying and The Wealth Ladder. Hosted on Acast. See acast.com/privacy for more information.

Heartbreak doesn't just hurt your emotions—it changes your body. Research shows that grief and loss can raise inflammation, weaken immunity, and even trigger a temporary heart condition known as “broken heart syndrome.” In this episode, Dr. Josh Axe breaks down what's really happening inside your brain and body during heartbreak, and the proven ways to heal emotionally, physically, and spiritually. Watch The Dr. Josh Axe Show every Monday & Thursday on YouTube: https://www.youtube.com/@drjoshaxe

Send us a textThis week, I'm talking with Anthony Lambatos, owner of Footers Catering and founder of MIBE (Make It Better Every Day), a leadership and culture organization helping people build heart-led, people-first businesses.Anthony and his wife April have quadrupled their company's revenue, achieved 50% higher employee retention than the industry average, and earned Best Places to Work honors eight years in a row. But the real story is how they did it, through heart leadership.We unpack what heart-led leadership really looks like, why vulnerability and communication are the most powerful leadership tools, and how this philosophy applies whether you're a CEO, a small business owner, or a team of one.What You'll Learn[03:57] How Anthony went from family business to people-first CEO [05:45] The secret behind Footers Catering's long-term success and retention [07:10] What heart leadership really means and why it matters now [10:00] Why everyone is a leader, no matter your title or team size [13:44] How emotional intelligence builds stronger businesses and cultures [16:29] The link between leadership, authenticity, and social media presence [20:45] The four convictions of heart leadership: Lead, Love, Mibe, and Vibe [24:35] How communication can transform culture and client relationships [27:58] Why small, 1% improvements lead to exponential growth [30:23] How to protect your culture and surround yourself with the right people [35:00] What to expect from the 2025 MIBE Summit for hospitality leadersThis Week's ChallengeThis week, I challenge you to reflect on how you're showing up as a leader in your business. Ask yourself: Am I leading with heart? Am I communicating clearly? Am I making small, consistent improvements every day?Then share one way you're committing to lead with more authenticity this week and tag me @elizabethmarberry, I'd love to celebrate it with you.Links + Resources MentionedJoin the MIBE Summit: themibe.com/summitFollow MIBE on InstagramConnect with Anthony on LinkedIn: Anthony Lambatos CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Most people get the “get rich quick” formula completely wrong, and end up stuck in financial struggle. In this episode, wealth expert Kris Krohn breaks down five proven and legitimate strategies to build wealth quickly and sustainably. Learn how to shift your mindset, stop taking bad financial advice, and apply real wealth-building principles that create rapid results. If you're serious about becoming financially free fast, this episode is your roadmap.

Lower back pain is more than just an annoyance—it can impact your sleep, mood, and daily life. In this episode, Dr. Stephen Huo breaks down what really causes lower back pain, how to prevent it, and what treatments actually work. From posture tips to advanced pain management, you'll walk away with practical strategies for feeling better and moving freely.

Send us a textIf your content isn't converting, it's not your strategy, it's your messaging.In this Strut It episode, I'm breaking down one of the biggest shifts we're seeing on Instagram right now: moving from generic to personal and specific content. The truth is, broad, how-to posts like “5 Ways to Grow Your Instagram” no longer perform. What's working now are personalized, story-driven posts that speak directly to your ideal clients.What You'll Learn[01:06] The biggest content shift happening on Instagram right now [03:56] Why specific, story-driven hooks outperform generic how-tos [05:44] The end of the “five tips” era and what to do instead [08:08] A real example from my business: how I grew 20,000 followers in 30 days [09:34] What Adam Mosseri says about shareable content and DMs [11:53] How to write posts that get shared—and why people share them [13:44] Coaching example: rewriting a burnout coach's hook for clarity and impact [15:40] How to transform a generic idea into a personal, scroll-stopping hook [18:59] The difference between “I/me” hooks and “you” hooks (and how to use both) [20:53] A simple storytelling prompt to create relatable, magnetic content [22:20] How to get feedback and mentorship inside my Hot Reels content labThis Week's ChallengeCreate one piece of content that feels personal and specific. It could be a Reel, carousel, or post that shares a true story or insight from your journey. Use the prompt: “What I wish I knew before…” and fill in the blank with a meaningful moment or decision from your business or life.Then tag me @elizabethmarberry on Instagram—I'd love to see it and cheer you on.Links + Resources MentionedJoin the Hot Reels Waitlist: elizabethmarberry.com/hot — Get early access and bonuses when doors open in December.CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

When was the last time you truly listened to your own voice, not just the sound, but what it stands for?In this heartfelt Ask Denis episode, Denis shares his personal journey of losing and reclaiming his voice, both physically and as a leader. Through reflection and resilience, he reveals how leaders can rise above the noise by speaking with clarity, conviction, and purpose.This message reminds us that your voice is more than communication, it is influence, integrity, and impact. When aligned with your values, it becomes a tool for change that others cannot help but listen to.Rediscovering the Voice WithinDenis reflects on his personal journey of losing his voice and finding it again after adversity.How adversity shaped his appreciation for speaking and leadership.A reminder that what once felt broken can return stronger than ever.Finding Clarity in the NoiseLeadership today is full of opinions, pressure, and distractions.Your voice is not about being loud; it is about being clear and consistent.Three questions every leader should ask to realign with purpose and authenticity.Leading with ConvictionGreat leaders do not echo, they anchor.Influence is built on conviction, not convenience.Use your platform to elevate others rather than compete for attention.Your Voice of InfluenceTrue leadership voice reflects values, integrity, and lived experience.Every leader has a voice that can make a difference; do not take it for granted.The power of growth through using your voice and serving others.Key Quotes:“Your leadership voice isn't about volume, it's about alignment between your values, your message, and your actions.” – Denis Gianoutsos“Leaders with influence don't echo, they anchor.” – Denis Gianoutsos“In a world of noise, great leaders use their voice of influence to bring clarity, courage, and change.” – Denis GianoutsosBook a Strategy Call with Denis https://app.leadingchangepartners.com/widget/bookings/callwithdenisgianoutsos The 10 Proven Ways to Lead and Thrive in Today's World Executive Guide Featuring 10 Key Themes and 42 Strategic Insights from Worldwide Leaders https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis:Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram: https://www.instagram.com/leadershipischanging/ YouTube Channel: https://www.youtube.com/@DenisGianoutsos

Shawn Quintero is a serial entrepreneur, master coach and mentor, and serves on boards and in executive leadership positions across his multiple businesses. He is a leading expert in the field of A.I., Business Operations, Coaching, and Digital Launch Strategy. With a wealth of experience and thousands of case studies, Shawn is dedicated to helping you active abundance in your life and business.Visit Shawn's Website: heyshawnq.com

The pace of change has never been faster, and leadership has never required more courage, empathy, and adaptability. In this special mashup, two distinct voices share how leaders can evolve to meet the moment. Denise Reed Lamoreaux reveals why inclusion is more than representation; it is the heartbeat of every thriving organization. Russ Perry invites us to embrace transformation as the leader's greatest advantage, showing that the future belongs to those who learn, unlearn, and grow.These conversations remind us that in a rapidly shifting world, leadership is not about control; it is about connection, curiosity, and the willingness to change first.EP 20 – Denise Reed Lamoreaux: Leading Through Inclusion and BelongingWhy diversity alone is not enough and how inclusion creates a culture where everyone thrives.The power of transparency and open communication in times of rapid change.How recognition and appreciation fuel engagement and loyalty.The leadership shifted from diversity checklists to belonging-driven cultures.EP 110 – Russ Perry: Adaptability, Growth, and the Future of LeadershipWhy adaptability has become the number one leadership skill in the modern era.How innovation and curiosity keep leaders relevant and organizations thriving.Lessons from the tech world on turning disruption into opportunity.The mindset shifts from resisting change to welcoming it as a growth advantage.Key Quotes“Diversity is having a seat at the table. Inclusion is having a voice. Belonging is knowing your voice matters.” – Denise Reed Lamoreaux“A person who feels appreciated will always go above and beyond. Acknowledgment is a leader's greatest tool.” – Denise Reed Lamoreaux“The ability to adapt is the number one requirement of leadership today.” – Russ PerryThe 10 Proven Ways to Lead and Thrive in Today's World - FREE Executive Guide Download https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis: Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram: https://www.instagram.com/leadershipischanging/ YouTube Channel: https://www.youtube.com/@DenisGianoutsos

John David Mann is the New York Times bestselling coauthor of over 40 books, including the worldwide classic The Go-Giver, with Bob Burg, which won a national medal for its "contribution to positive global change," and the thriller Steel Fear, coauthored with former Navy SEAL Brandon Webb, which was nominated for a Barry Award and in development as a TV series. John leads a coaching program for authors called Writing Mastery Mentorship.Get Johns course and craft a million-dollar idea that will make your book a hit - bookconceptmagic.comVisit John's Website: johndavidmann.com

Courtney Harkness is a serial entrepreneur and Certified Divorce Coach® who helps successful women protect their peace and assets while navigating high-conflict divorce. A former private-equity-backed COO who built an eight-figure wireless infrastructure company, Courtney now applies her strategic business mindset to one of life's most personal and high-stakes transitions. Through her signature Divorce Is a Business Deal™ approach, she empowers clients to get organized, build a clear strategy, and move through divorce with clarity and confidence.Visit Courtney's Website: www.divorcestrategy.comFollow Courtney on IG: Courtney Harkness, MBA | Divorce Strategist (@divorce.strategy) • Instagram photos and videos

Send us a textIf your content isn't converting, it's probably not because you need a new strategy, it's because your messaging isn't connecting.In this episode of Strut It, I'm joined by marketing expert and wedding business strategist Heidi Thompson, the founder of Evolve Your Wedding Business and author of Clone Your Best Clients. Heidi breaks down exactly how to uncover what your audience really wants, thinks, and feels so you can write content that actually converts.Whether you're a wedding professional, creative, or service provider, you'll walk away with practical tools to strengthen your message, attract the right people, and boost your ROI without reinventing your entire marketing strategy.What You'll Learn[02:17] Why truly knowing your audience is the foundation of every great marketing strategy [03:45] The psychology behind effective marketing and what most business owners get wrong [05:35] The biggest mistake creators make when identifying their ideal client [08:27] Why old-school demographic worksheets don't actually help you sell more [10:51] The “Clone Your Best Clients” method and how to identify your dream customers [14:36] The most effective way to get real audience insights (and it's not guessing) [17:27] How to ask for and conduct client interviews that reveal the gold in your messaging [20:19] The key questions that uncover what truly drives people to buy [27:17] Why refining your messaging by just 5% can completely change your results [31:58] How to apply what you learn across your website, Instagram bio, and all contentThis Week's ChallengeI want you to identify one or two of your favorite clients. The people you wish you could clone, and reach out to them. Ask if you can hop on a short call to learn what really motivated them to work with you. Use their exact words in your next piece of content or Instagram post. You'll be amazed at how it changes your results. Then DM me @elizabethmarberry and tell me what you discovered.Links + Resources MentionedHeidi's Free Resource: Clone Your Best Clients WorkbookJoin Heidi's Free Training: Build a Six-Figure Wedding BusinessConnect with Heidi: Evolve Your Wedding BusinessFollow Heidi on Instagram: @evolveyourweddingbusinessCONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

In a world that is evolving faster than ever, leadership is not just about keeping up; it is about staying grounded in what truly matters.In this mashup episode, two thought-provoking leaders share their take on what leadership looks like in times of disruption and rapid change. Nik Cree challenges us to think critically, question the status quo, and create space for open dialogue in business and society. Kevin Bonfield explores why the core principles of leadership remain timeless, even as the pace of change accelerates, and how authenticity, accountability, and vision are more vital than ever.Together, they remind us that leadership is not about being infallible. It is about being human, curious, and courageous enough to lead with conviction.EP 10 – Nik Cree: Leading Through Dialogue and DiscoveryWhy great leadership starts with engaged discussion, not blind agreementHow open dialogue drives innovation, ownership, and learningWhy allowing mistakes leads to creativity and growthHow leaders can foster a culture where people think and speak for themselvesEP 22 – Kevin Bonfield: Timeless Leadership in a Changing WorldWhy the core elements of leadership have not changed: vision, empathy, accountabilityHow rapid change is revealing true leadership rather than redefining itThe difference between active and passive leadershipBalancing urgency with collaboration in times of crisisKey Quotes“We do not deal with challenges by shutting down the conversation; we deal with them through dialogue.” – Nik Cree“The core of leadership has not changed; it is how we show up that defines us.” – Kevin BonfieldThe 10 Proven Ways to Lead and Thrive in Today's World - FREE Executive Guide Download https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis: Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram: https://www.instagram.com/leadershipischanging/ YouTube Channel: https://www.youtube.com/@DenisGianoutsos

The pace of change today is faster than ever. Disruption, technology, and transformation are constant, and leaders everywhere are being challenged to keep up. The truth? The ones who thrive are not those who hold on to the old ways, but those who adapt, connect, and evolve.In this episode, Denis shares the three essentials every leader needs to focus on right now to not just survive change, but to lead it. Drawing from his work with executives and teams around the globe, he breaks down how adaptability, human connection, and smart use of technology are shaping the next generation of leadership.Whether you are navigating uncertainty, leading through transformation, or simply wanting to future-proof your leadership, this episode will help you stay relevant and lead with purpose in a world that never stops changing.Tune in to learn how to stay adaptable, lead with heart, and embrace technology without losing the human touch.Adaptability and Continuous LearningWhy adaptability has become the defining trait of modern leadershipHow curiosity and a hunger to learn keep you ahead of changeThe ripple effect of learning on personal growth and organizational successHuman-Centered Leadership and TrustWhy leadership today is about connection before hierarchyHow empathy, emotional intelligence, and real conversations rebuild trustThe cost of disconnected leadership in hybrid and digital environmentsStrategic Use of Technology and DataHow technology, AI, and automation have become leadership issues, not just IT onesThe mindset shift from “latest tool” to “better connection and performance”How to use data and technology to enhance, not replace, humanityChoosing to Lead ChangeHow to turn these three essentials into daily leadership habitsThe importance of reflection, intention, and follow-throughWhy great leaders don't just adapt to change—they create itKey Quotes“Adaptability isn't about reacting to change, it's about being ready before it arrives.” – Denis Gianoutsos“Technology should amplify humanity, not replace it.” – Denis GianoutsosBook a Strategy Call with Denis https://app.leadingchangepartners.com/widget/bookings/callwithdenisgianoutsos The 10 Proven Ways to Lead and Thrive in Today's World Executive Guide Featuring 10 Key Themes and 42 Strategic Insights from Worldwide Leaders https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis:Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram: https://www.instagram.com/leadershipischanging/ YouTube Channel: https://www.youtube.com/@DenisGianoutsos

The world of leadership continues to evolve and the question for every leader is: are you evolving with it?In this special mashup episode, two voices bring unique perspectives on the inner and outer work of leadership transformation. Dr. Alex Vincent unpacks why culture isn't just strategy's sidekick; it's the heartbeat of every thriving organization. Then, Liam Naden shares how understanding and rebalancing your brain can free you from fear and help you lead with clarity, calm, and confidence.From redefining what a healthy culture looks like to unlocking your mind's potential for authentic success, these conversations will challenge you to look inward, evolve deliberately, and lead differently in 2025 and beyond.Every meaningful shift begins with awareness and this episode shows you exactly where to start.EP 548 – Dr. Alex Vincent: Culture Eats Strategy AliveWhy a strong culture outperforms even the best business strategyHow to take a cold, hard look at your organizational cultureBalancing innovation with emotional intelligence and psychological safetyThe power of creating “psychological security” to uphold safety and trustWhy culture must evolve as your environment and people doEP 551 – Liam Naden: Rebalancing the Brain for True LeadershipWhat losing everything taught him about fear and freedomHow subconscious fears keep leaders stuck in survival modeWhy releasing fear activates a new part of your brain — the one that drives fulfillmentThe four-part brain model and how to use it to lead with calm clarityHow to stop forcing success and start allowing it to flowKey Quotes“Culture lives or dies in how people interact with each other.” – Dr. Alex Vincent “When you release fear, you activate the part of your brain that moves you forward.” – Liam NadenThe 10 Proven Ways to Lead and Thrive in Today's World - FREE Executive Guide Download https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis: Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram: https://www.instagram.com/leadershipischanging/ YouTube Channel: https://www.youtube.com/@DenisGianoutsos

Send us a textIf you've ever spent hours creating a reel you thought would crush it, only for it to flop, this episode is for you.I'm pulling back the curtain on one of my favorite Instagram growth hacks: trial reels. This is the exact method I use (and teach my clients) to A/B test hooks and uncover what kind of messaging actually stops the scroll, grabs attention, and converts.I'll also share how one of my clients tested three versions of the same reel and tripled her views just by tweaking the first line. You'll walk away knowing exactly how to implement this in your own business this week.What You'll Learn[01:15] Why trial reels are one of the most powerful (and underused) features on Instagram [02:11] What trial reels actually are and how to know if you have access to them [03:01] How I'm using trial reels to test hooks and grow faster [05:21] The story of how one client tripled her reach by changing three words [07:44] How trial reels help you A/B test your messaging—just like email subject lines [09:13] Real examples of viral hook testing you can try this week [10:12] When to use trial reels (and when not to) depending on your goals [12:07] The difference between attraction and promotional content [13:29] How to use trial reels differently for nurturing vs. growth seasons [14:54] Why perfectionists need trial reels the most [16:20] Your weekly action step: how to test your first trial reel and measure resultsThis Week's ChallengePost your first trial reel.If you've already been using them, A/B test your hooks this week. Try posting the same video with different on-screen text and see which version performs best. When you get your results, DM me on Instagram @elizabethmarberry and tell me about your win. I'd love to celebrate with you.Links + Resources MentionedJoin the Waitlist: Hot Reels – My 12-month Instagram content lab for small business owners and creatives ready to grow visibility and sales.Free Resource: Monetize Your IG Guide. Learn seven simple, proven ways to finally make money on Instagram.CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

What does leadership look like in an era defined by remote work, shifting values, and generational change? In this special mashup episode of Leadership Is Changing, host Denis Gianoutsos brings together insights from two forward-thinking leaders, Rajeev Kapur, CEO of 1105 Media, and Nancy Lyons, CEO of Clockwork, to explore how leadership, culture, and purpose are being redefined.Rajeev shares how decentralizing decisions and prioritizing employee experience helped his company thrive in the post-pandemic world. Nancy challenges traditional workplace norms, advocating for co-creation, agency, and purpose-driven work. Together, their stories reveal a new vision of leadership: one that values trust, collaboration, and human-centered design as the foundation of lasting success.[EP509] Rajeev Kapur: Leading with Trust in a Remote-First WorldShares how his company, 1105 Media, thrives by putting people before process.Replaces control with trust and transparency, proving culture drives performance.Believes employees are the most important customers, not the last priority.[EP512] Nancy Lyons: Turning Work into a Source of MeaningAs CEO of Clockwork, Nancy urges professionals to bring purpose back into work.Encourages co-creation and agency — where everyone has a voice in shaping culture.Redefines leadership as a mindset, not a title.Challenges listeners to reflect: What would change if you worked like a leader, not an employee?Key Quotes:“Trust your people, give them freedom, and watch how they rise.” - Rajeev Kapur“Be the leader you're waiting for — start where you are.” Nancy LyonsThe 10 Proven Ways to Lead and Thrive in Today's World - FREE Executive Guide Download https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis: Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram: https://www.instagram.com/leadershipischanging/ YouTube Channel: https://www.youtube.com/@DenisGianoutsos

 Don't ignore your sex life, it's too easy for sex to slide to the bottom of the priority list. Relationship health improves when there is an active sex life. Whether you're struggling to get back in sync with your partner or simply curious about how to keep the spark alive after kids, this conversation will give you practical tips and hopeful reminders that love and desire can thrive in every season of parenthood.

People buy people, not products. That's why your story isn't just a “nice to have”; it's the heartbeat of your visibility strategy.Today you'll learn the art and strategy of storytelling, how to share your truth in a way that connects, inspires, and builds trust on Instagram. I even take you behind the scenes of my own story—my life as an actual showgirl (yes, with feathers and rhinestones!) — and what it taught me about visibility, perfectionism, and finding confidence in authenticity.If you've ever wondered how to share stories that truly connect with your audience, not just sell to them, this episode is your guide.What You'll Learn[01:21] Why your story, not your content calendar, makes your brand magnetic [03:13] My past life as a professional showgirl and how it shaped my visibility journey [05:06] The hidden struggles behind “living the dream” and how perfectionism shows up in business [07:28] Why storytelling is the heartbeat of an effective Instagram strategy [08:54] The real currency of social media (and it's not likes or followers) [10:22] My simple three-part storytelling framework: setup, shift, and takeaway [12:46] How to turn your vulnerability into connection without oversharing [14:39] How to use AI and the CRIT Framework to craft emotional, relatable stories [16:05] This week's Emotional Storytelling Challenge—share one story that connects [17:33] How to tag me in your storytelling post so I can cheer you onThis Week's ChallengeI'm calling this the Emotional Storytelling Challenge.Create one piece of content. A Reel, carousel, or post, where your only goal is connection. Don't try to sell or promote. Just share a real piece of who you are or why you do this work. Then tag me @elizabethmarberry. I'd love to see it and cheer you on.Links + Resources MentionedFree Resource: Monetize Your IG Guide. Learn seven simple, proven ways to finally make money on Instagram.CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Some leaders haven't resigned on paper, but they've already resigned in their hearts. The truth? You can't lead effectively when your mind and spirit have already checked out.In this milestone 800th episode, Denis shares a deeply personal reflection on finding and keeping your leadership voice. From nearly losing his own voice to helping thousands of leaders around the world strengthen theirs, Denis explores a challenge too many leaders face today: “quit and stay.”Whether it's burnout, frustration, or loss of purpose, disengaged leadership quietly drains energy from teams and organizations. But there's a way forward, and it starts with honest self-reflection, courageous conversations, and renewed clarity.This episode will help you recognize when disengagement is creeping in, reignite your purpose, and lead with conviction once again.Tune in and rediscover the power of your leadership voice. You'll learn how to re-engage with purpose, reignite your passion, and show up as the leader your team deserves. And if this message sparks something in you, share it with another leader who's ready to rise again.The Power of Your VoiceDenis reflects on his journey from losing his voice to amplifying it globallyWhy every leader's voice matters and what happens when it goes silentThe ripple effect of leaders who have emotionally checked outUnderstanding “Quit and Stay”What it really means to “quit” without leavingHow quiet disengagement affects culture, morale, and performanceWhy it's one of the most overlooked leadership challenges todayFive Steps to Reignite EngagementHave the Courageous ConversationDiagnose the DriversOffer Clarity and ChoicesSet Clear ExpectationsSupport or ReleaseChoosing to Show Up AgainHow to be honest with yourself about whether to stay or goThe importance of clarity, conviction, and commitmentWhy the world needs leaders who bring energy, not excusesKey Quotes:“Leadership isn't about comfort. It's about clarity.” – Denis Gianoutsos“The world doesn't need more quit-and-stayers. It needs leaders who show up.” – Denis GianoutsosBook a Strategy Call with Denis https://app.leadingchangepartners.com/widget/bookings/callwithdenisgianoutsos The 10 Proven Ways to Lead and Thrive in Today's World Executive Guide Featuring 10 Key Themes and 42 Strategic Insights from Worldwide Leaders https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis:Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram:

The moment you decide to change your story, everything shifts. But the real question is will you choose courage when comfort feels safer?This mashup brings together two powerful voices who've redefined what it means to lead with clarity and conviction. Vash Tomanec, who went from delivering food for Uber Eats to building multiple seven-figure businesses, and Dan Michelson, a seasoned CEO who walked away from success to rediscover purpose in leadership and life.From finding your “why” to making bold transitions when the world says “stay put,” their journeys reveal the mindset, self-awareness, and discipline that transform ordinary moments into defining ones. Whether you're just starting or leading at the top, this conversation reminds us that growth begins the moment we decide.Tune in and reflect on the power of your own decisions.See how everything shifts when you stop waiting for perfect conditions and start leading with purpose. Every meaningful change begins with one intentional step. Let this episode inspire yours.EP 488 – Vash Tomanec: From Uber Eats to Entrepreneurial FreedomOne bold decision that changed everythingFinding your why and staying committed to itThe power of quiet time and self-reflectionLeadership begins with leading yourself firstEP 506 – Dan Michelson: When Success No Longer Feels Like SuccessLeaving a thriving CEO role to rediscover purposeWhy growth depends on what you make of your decisionsTurning workplace disruption into opportunitySeeing change as an invitation to lead differentlyKey Quotes:“People can change rapidly when they make a decision.” – Vash Tomanec“It's not the decisions you make, it's what you make of your decisions.” – Dan MichelsonThe 10 Proven Ways to Lead and Thrive in Today's World - FREE Executive Guide Download https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis: Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram: https://www.instagram.com/leadershipischanging/ YouTube Channel: https://www.youtube.com/@DenisGianoutsos

AI is here to stay, and it's already reshaping the way we work and lead. But here's the truth: most people are only scratching the surface, treating AI like a glorified Google search or copy assistant.That's why I invited Geoff Woods, author of The AI Driven Leader and former VP of The One Thing to join me on the podcast. Geoff shares how small business owners, marketers, and leaders can use AI to think more strategically, accelerate growth, and step outside the box.You'll learn the CRIT framework (Context, Role, Interview, Task) that takes you into the top 1% of AI users, hear real case studies of AI solving million-dollar business problems, and discover how to transform AI into a true thought partner.What You'll Learn in This Episode[00:00] Why 96% of marketers are already using AI, but most are missing the mark[05:17] The biggest fears and resistance leaders still have about AI[07:41] Eric Schmidt's warning: everything you know about business will change in five years[10:33] Why chasing every new AI tool is a distraction, and what to do instead[14:21] The CRIT framework: Context, Role, Interview, Task[16:18] A CEO case study: how AI saved a manufacturing company from bankruptcy[19:06] Why leaders need AI as a thought partner, not just an assistant[20:32] Using AI to 100x business growth by reframing strategic questions[23:21] Building an AI board to test business models and challenge assumptions[29:55] Why “copy-paste AI outputs” = mediocrity (and how to go deeper)[33:41] How to use AI to write scroll-stopping Instagram Reels scripts[37:30] Advanced “voice of customer” workflows powered by AI[43:40] The 3 things that matter more than the tool you chooseGuest BioGeoff Woods is the author of The AI Driven Leader and CEO of AI Leadership. Formerly the VP of The One Thing, Geoff transformed the bestselling book into a global training company. Today, he helps businesses harness AI to accelerate growth, strengthen competitive advantage, and think bigger than ever before. He also leads The Collective, an executive network for leaders ready to integrate AI at scale.Links + Resources MentionedThe AI Driven Leader (Amazon)AI Leadership – official site, newsletter, and resourcesThe Collective – executive network for AI-driven leadersCONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

In this episode, we dive into a popular discussion regarding volleyball IQ. How can we, as coaches, improve our players volleyball IQ. In this episode we dive into 5 main strategies and a few others to help your players increase their volleyball IQ. We talk about: Volleyball IQ is game understanding + perception + decision making + anticipation  Block Training vs Game Training  Video Decision Making & Cues  Types of drills  Problem Solving  And a few more key concepts  Click here to join Digital Volleyball Academy - www.digitalvolleyballacademy.com  Click here to join my free workshop - www.volleyballworkshop.com  Reach out via Instagram @BrianSingh_CoachB

Change doesn't wait for permission. It calls on those who are willing to question, learn, and lead in a different way.This mashup brings together two dynamic voices shaping the future of work and leadership: Brandon Amoroso, a Gen Z founder who built and sold his company before the age of 25, and Vivek Iyyani, a millennial leadership strategist helping organizations rethink how they engage with younger generations.Their journeys reveal what it takes to lead in a world that's fast, fluid, and full of possibility: from creating cultures of trust and experimentation to redefining what success really looks like. These are stories of courage, curiosity, and growth, and reminders that no matter where you are in your journey, you can lead with purpose and adaptability.Tune in and reimagine what's possible when leadership meets innovation.Discover how the next generation is reshaping the way we lead, learn, and live, and why your perspective might be the missing piece in this conversation. Let's grow forward, together.EP 357 – Brandon Amoroso: Entrepreneurship as a Leadership MasterclassHow starting a business became his crash course in leadership and resilienceThe mentors, lessons, and self-driven learning that fueled his growthWhy curiosity and experimentation matter more than experienceThe balance between ambition, humility, and authentic impactEP 359 – Vivek Iyyani: Connecting Generations Through ChangeHow today's leaders can serve rather than commandWhy experimentation and open dialogue create stronger teamsWhat it means to embrace failure as progress, not defeatHow forward-thinking organizations are redesigning culture and rewardsKey Quotes:“At some point, you're going to be a leader of other people if you're in entrepreneurship.” – Brandon Amoroso“Leaders must be the first to adapt if they want to see change.” – Vivek IyyaniThe 10 Proven Ways to Lead and Thrive in Today's World - FREE Executive Guide Download https://crm.leadingchangepartners.com/10-ways-to-lead Connect with Denis: Email: denis@leadingchangepartners.comWebsite: www.LeadingChangePartners.com Facebook: https://www.facebook.com/denisgianoutsos LinkedIn: https://www.linkedin.com/in/denisgianoutsos/ Instagram: https://www.instagram.com/leadershipischanging/ YouTube Channel: https://www.youtube.com/@DenisGianoutsos