Podcasts about qualified

How much of your marketing technology budget is quietly underperforming, not because the software is flawed, but because your teams can't, or won't, fully adopt it?Because real agility was never about buying faster tools. It's about having an operating model that can actually turn a tool's potential into results, and keep doing it as the tools keep changing.Today we're digging into the phase that quietly decides whether any martech investment pays off: what happens after the contract is signed with things like implementation and adoption. We'll get into:- Why rollouts stall — and why the real cause is usually the operating model, not the tool.- What it takes to move a team from "trained" to genuinely changed.- How to measure real value without fooling yourself with usage metrics.- And what shifts once the platform starts doing some of the work itself.To help me discuss this topic, I'd like to welcome, Kate Dalbey, Chief Client Officer at Qualified Digital.About Kate DalbeyAs CCO, Kate leads client management and growth initiatives at Qualified Digital, bringing over 20 years of digital marketing experience from both client-side and agency-side roles. She's responsible for driving organic and net new growth by leading multi-disciplinary teams who turn light-bulb ideas into fantastic outcomes for the brands QD works with. Kate is guided by the client philosophy that "we grow because they grow." Kate has consistently delivered year-over-year growth in her portfolio within fast-paced, high-growth start-up environments. She passionately believes that digital experiences can change people's lives for the better and works diligently to see these outcomes arrive in real time. In her daily life at QD, Kate enjoys what she calls "the relentless pursuit of better business results" and takes pride in building the teams that can create them, from idea to strategy to plan to execution and measurement. Because what's next isn't enough, it's what's north that really gets her excited. Kate's career experience is deeply rooted in healthcare, across provider, payer, and life sciences. The client roster she's managed includes category powerhouses CVS Health, CommonSpirit Health, Mayo Clinic, Kaiser Permanente, Cigna, Aetna, Sunrise Senior Living, Gelesis, UNCH, Jefferson Health, Cedars-Sinai, Spaulding Rehabilitation, UHS, and Wedgewood Pharmacy. She's also led digital transformation for AmeriGas, Hitachi Vantara, Thomson Reuters, ScanSource, U of Pennsylvania, and the Am. Board of Internal Medicine. When Kate isn't delivering her unique brand of magic at QD, she's with her husband and 2 sons. She loves cheering on Philly sports teams, coaching youth soccer with her husband, and traveling with her family.Kate Dalbey on LinkedIn---------- Resources ---------- Qualified DigitalThe Agile Brand podcast is brought to you by TEKsystems.We're proud to be a media partner for #MAICON26 - Oct. 13-15! Learn how AI can power your marketing and business and help you grow smarter. Use code AGILE150 to save!Reach your customers with Reddit. Spend $500 in ad spend, get $500 back in ad credit!Chaser is the only Slack-native project management platform that helps teams turn messages into tracked tasks, automate follow-ups, and maintain team-wide visibility, without adopting another tool. Now integrated with Claude and other GenAI tools. Use code AGILEBRAND for a 3-month free trial (normal trial is 14 days).The most influential minds in software, AI, and engineering leadership will be at WeAreDevelopers World Congress North America, September 23-25 in San Jose. Start building your own apps with Replit and get $20 off.Enjoyed the show? Tell us more at and give us a rating so others can find the show.Connect with Greg on LinkedInDon't miss a thing: get the latest episodes, sign up for our newsletter and more.Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology.The Agile Brand is produced by Missing Link. Hosted on Acast. See acast.com/privacy for more information.

Noah faced an assignment that must have seemed impossible: build an enormous ark on dry land, despite having no known experience as a shipbuilder or mariner. Yet year after year, Noah continued working because he trusted the God who had called him. In today's episode of the MY Devotional Podcast, Dr. Michael Youssef explains that God chose Noah not because of his expertise, but because of his faithfulness. Genesis describes Noah as a righteous man who “walked faithfully with God.” God was more interested in an obedient heart than an impressive résumé. And God did not leave Noah without direction. He gave him specific instructions for building the ark, providing what Noah needed to fulfill the assignment. The same principle applies to believers today: when God genuinely calls us to His work, He is able to equip and empower us for what He asks us to do. Perhaps God is calling you toward something that feels far beyond your abilities. You may feel inexperienced, underqualified, or unsupported. Noah's story reminds us that our limitations do not limit God. If the Lord has directed your steps, trust His plan. Walk faithfully, obey what He has revealed, and depend on Him to provide everything necessary to complete the work for His glory. Prayer: God, I don't feel qualified for the work to which You have called me, but I am trusting that You will provide everything I need. Help me to have the heart of a willing servant. I pray in the name of Jesus. Amen. “The Lord does not look at the things people look at. People look at the outward appearance, but the Lord looks at the heart” (1 Samuel 16:7). Learn more in Dr. Michael A. Youssef's sermon They Were Just like Us, The Work of Faith: LISTEN NOW The voice you hear on the MY Devotional podcast is digitally generated with Dr. Youssef's permission. If today's devotional stirred a question, burden, or need for prayer, you don't have to walk through it alone.

In today's devotional, Pastor Kerrick shares how the favor of God is designed to surround your life like a force field. When Jesus made you righteous, He qualified you for God's favor. God wants you happy and joyful and He has favor for you today!

What qualifies someone to serve God—and who gets to decide?Today, we continue our year-long Bible study in the book of Acts. In this episode, Paul examines the disciples' selection of Matthias, showing why the condition of our hearts matters more than outward appearances and why we must look to Scripture's clear commands for guidance.To hear more studies from the book of Acts, visit PaulTripp.com/Acts.

Join our upcoming live event at GREwebinars.com. It's called "The Seven Figure Solution" on August 27th at 8 PM Eastern. After listening to me for 12 years, learn how to finally put it all together for a coordinated, tax-efficient retirement and wealth plan.  Keith debunks alarmist predictions of an 80–95% housing crash and explains why inflation, constrained supply, and strong demand continue to put upward pressure on home prices.  He breaks down key trends in renter mobility, highlights how the AI boom is driving record-breaking rents in San Francisco, and contrasts "dopamine culture" and money maxing with GRE's philosophy of growing one's means through income property and leverage.  Keith also discusses how the Seven-Figure Solution framework helps real estate investors more effectively integrate properties, taxes, insurance, and retirement planning.  Episode Page: GetRichEducation.com/620 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  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. 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  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. An alarmist calls for a housing price crash of 80 to 95 percent. We'll listen to it. This city's rents are up 26 percent annually. The rise of dopamine culture and money maxing has made its way into personal finance. Then an invitation to join us for a special event today on Get Rich Education.   Keith Weinhold  0:29   What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms MidSeal has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Naples, Italy, to Naples, Florida, and across 188 nations worldwide. You're listening to one of America's longest-running and most listened-to shows in the real estate world. This is Get Rich Education, and I'm Keith Weinhold. Yes, the very founder of this snaggle-toothed operation right here. I'm a longtime real estate investor myself, erstwhile writer for both Forbes and the Rich Dad Advisors, serving on the Forbes Real Estate Council, you can also see my work in the USA Today and Business Insider. I'm the creator of Real Estate Pays Five Ways and the Inflation Triple Crown. Oh, after all that, really, I'm just a shaved mammal with slack jaw, a highly leveraged hominid of the landed gentry, right before I discuss the housing price crash of 80 to 95% you know, keep in mind that most people think that if you're in real estate, then you've got to be either a realtor or a landlord. I am neither a realtor nor a landlord. People also think that it takes tons of money. It does not. Now you could pursue no money down strategies, but that takes some time to learn and skill to develop. Now I was a landlord in the early years of my real estate investing, but after about six years of that, I hired a property manager and never looked back. Therefore, keeping this mostly passive, a 20 to 25 percent down payment on a carefully selected residential rental property includes ones that today can still have purchase prices below 200k. That's purchased in a geographically investor advantaged market. Okay, that is the center of what we do here because when you own property this way, now you've got the margin where you can pay a property manager to enjoy the five ways that you're paid mostly passively. Be a savvy borrower.   Keith Weinhold  4:02   Now, when you're between deals and accumulating capital to add the next piece of property to your rental portfolio, that's where you can flip and do the opposite in the short term and be a real estate lender for perhaps an eight to 10% stable return. That's what I do, rather than getting three and a half percent, which is the going rate today in a high yield savings account. So be a lender between deals in the short term, or you're a savvy borrower long term. Now the late analyst at Housing Wire, and he was also a past guest here on the show, Logan Modashami, he brought this 80 to 95% housing price crash media piece to my attention. It's in the form of a meta reel that got a lot of attention. Let's play it. I mean, this type of nonsense circulates out. It's not founded on anything substantive, and this just absolutely does not serve anybody. You've got to take this type of thing as entertainment, but it's being presented in a serious, informative way, and just listen to the basis for the claim.    Hayden Weston  5:19   The United States housing market is about to collapse 80 to 95 percent, which means that homes that were worth 1.5 million are going to be worth 300,000. The reason is simple: the U.S. housing market has reached its most unaffordable level in history. People cannot afford to buy homes, and if people cannot buy homes, the market must correct. The question is how hard the market is going to crash, not if it will. According to CPI and price history data, this is predicted to be worse than the 2008 housing bubble. We are going to see prices drop 80 to 95 percent.   Keith Weinhold  6:02   A housing price collapse of 80 to 95 percent. This is from a platform called Hayden Trades. It has got to be the worst example of trying to steal attention rather than serving people. Gosh, don't even make 20% or 50% crash predictions anymore go for far higher, I guess. He says it is according to the CPI and price history data. This doesn't even make sense. Now the low affordability mentioned that part is true, and this is what's slowed home price appreciation. But here in the late 2020s, there was more upward pressure on home prices, not downward inflationary pressure, which is rampant. That is poised to raise replacement cost because a home is a bundle of land, labor, lumber, concrete, copper, and energy. America's best job markets face land and regulatory constraints that pressures prices upward, and regulations are not easily repealed either. There's a large reservoir of sideline buyers that still want to own, and single-family home construction is woefully insufficient, keeping the supply down. Indeed, there is more upward pressure on home prices, not downward. This coming inflation wave, that's exacerbated by war, is unfortunately, or fortunately, if you're positioned, it's poised to widen the K-shaped economy where winners win bigger and losers lose more. The boat is leaving the dock. Are you on it?   Keith Weinhold  7:54   The distance between the boat and the dock just keeps increasing, and eventually you won't be able to make the leap, the jump from the boat to the dock. Now, in the near term, because we're approaching the fall season, when you hear stats about median home prices, note that prices are lower in autumn and winter than they are in spring and summer. It happens pretty much every year. Now, why is this? Well, one reason is that a lot of people don't think about is simply the fact that smaller houses get sold in the winter compared to the summer. And why would this be? This is because families with school-age children who need larger homes get their deals done in summer months before school starts. That is one reason why median home prices are higher in the summer than they are in the winter. When you look at a long-term price chart of homes, this is why you see peaks each summer and dips each winter. Now, investors like us. Now we're not buying so much for school-age children considerations, but this phenomenon affects the median prices that you see quoted in most any market. That is how that works, and why homes present better in the summer too. Green lawns, Leaves, flowers, and natural light improve curb appeal. Some say buy when the snow is flying, sell when the flowers are blooming.   Keith Weinhold  9:32   Shortly, I want to tell you about the city with rents that are up 26% year over year, and there's no end in sight to those rent increases, either. But first, there's a significant national real estate trend. Now, a lot of times, the discussion about the rental market centers around the level of rents or the vacancy rate, and those metrics sure do matter. But what about tenant retention? That is. Renter mobility rate. How long do residents stay? Well, renter mobility is down, down, down. They are not moving around. That's the big trend. Tenants are staying longer. Renters are waiting longer to buy homes than prior generations did. I mean a lot of people are beginning to wonder if their starter home will arrive before their first social security check does? The share of renters planning to move within three years that has plunged since 2019 from 57% then down to just 37% now. This is according to a national survey from the New York Fed. 57 down to 37% that plan to move within three years. Yes, this means that even after the pandemic waned, renters plan to stay in place longer. Everyone is staying put longer, and what exactly is keeping all of those moving boxes in storage? You guessed it. Buying their own home is more difficult to afford. It's kind of like an obstacle course where the down payment is waiting at the finish line, which is a long ways away. It's like an ultra marathon. This decline in renter mobility. This is obviously good news for income property owners and landlords because vacancy and turnover are our greatest expenses. People are paying more.   Keith Weinhold  11:39   You know, it's interesting that many are staying and put because a lot of renters often pay three to 5% annual renewal increases, especially in single-family rentals. Among apartment dwellers, there are currently more move-ups than move downs. People willing to spend a little more, and part of this is because a lot of people have just simply given up, completely given up on buying a home, choosing instead to fritter away their money on DraftKings parlays, couchie predictions, meme coins, burritos whose delivery fees cost more than the burrito, and a dozen forgotten subscriptions quietly feeding on their checking account. Yeah, a lot of people have just given in. Besides falling renter mobility, there is also falling homeowner mobility. One reason it has fallen is due to the well-documented mortgage rate lock-in effect. But mobility is down among both groups, among renters and homeowners, for a few different reasons. Like I've mentioned in previous shows, America is aging, and older people move less. Remote work means people don't have to move for a job, and housing inventory remains limited. This means that there are few attractive alternatives to move into, whether you're a homeowner or a renter. Those are some reasons as to why mobility is down for both groups. And the New York Fed analysis shows that renter mobility it is especially weak among that subgroup that believes that they will never own a home. I mean, this group of people really isn't moving. They are staying in place even longer. This group that believes that they will never own a home, and this is a skew toward lower income renters for sure, but even upper income renters are staying longer. You know, I own a lot of single family rental homes myself, and I'm just thinking now, I can't even remember the last time someone's moved out. It might be over a year since anyone has moved. The average renter's perceived chance of ever owning a home that has fallen, and this is significant for investors. Okay, that percent of renters that ever hope to own a home has fallen from 52% back in 2015 down to just 35% last year. 52% down to 35% The amount of renters that think they'll ever own a home. Both single-family rental and apartment renters are staying longer. This is both types, and it's not because these renters stop wanting homes. About two-thirds say that they would prefer to own if they had the money to do so. This is substantial. The drop in American mobility rate. I mean, that part is actually decades long, and this seems to catch people off guard. A lot of people falsely believe that people are moving more often, and that's something I've touched on before. This deeply hurts.   Keith Weinhold  15:00   Certain industries like moving companies, furniture stores, and yes, real estate agents—all these groups of people have got to be wondering where did everybody go? The answer is nowhere. Apparently, they are not going anywhere. So the bottom line here, with this lack of mobility, is that renters feel locked out, owners feel locked in, and landlords feel locked up with their tenants staying longer. Although this is good news for landlords and investment property owners, you know there is one thing to be careful of amidst these longer tenant stays, and that is, well, say you buy a rental property with an existing tenant in place that's been there for a while, it's more likely then that that tenant is paying below market rent, and why would that be? Well, because generally, the longer a tenant stays, the more likely it is that the previous landlord gave them a break on the rent. Now, why does that happen? Well, landlords can get lazy about bumping up the rent, and see what's really going on is that the previous landlord, perhaps the person you bought the property from, they themselves bought the property at a much lower price years ago than you did today, and therefore their mortgage payment is lower, and therefore the lower rent was able to cover their mortgage payment. So they weren't too worried about it. But if you're buying at today's prices, well, then you cannot stand for yesterday's rent amount, and that's why it's more likely that you need to bump up the rent to market rent. Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report.San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, 6,020 dollars for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge while it's on your mind. Start at RidgeLendingGroup.com. That's ridgelendinggroup.com. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Keith Weinhold  17:22   Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report. San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, $6,020 for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing.   Keith Weinhold  20:46   I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  21:23   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Robert Kiyosaki  22:26   This is our rich dad, poor dad author Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and there is I respect Keith. He's a very strong, smart, bright young man.   Keith Weinhold  22:47   Welcome back to Get Rich Education. I'm your host Keith Weinhold. The rise of quick hit dopamine culture has definitely hit the personal finance world, and this is not a good trend for a lot of Gen Zers, who are those age 14 to 29, sports gambling is increasingly a part of what they think is financial planning. A recent survey from the wealth management platform Betterment shows that 26% of Gen Zers, more than one in four, then consider sports gambling as part of a deliberate long-term financial strategy. If you think that's bad, more than half of Gen Zers, 52% say they've rerouted funds from investment over to sports betting in the past year, and that's versus just 24% of all Americans. Yes, the rapid legalization of sports gambling means it's never been easier to bet your whole paycheck that the Mets are going to lose 100 games this season. When a prediction market or a sports book starts to feel like a retirement strategy, we have a problem, and this is congruent with the rise of dopamine culture across all of society, where we've gone from playing sports, then to watching sports, and now to gambling on sports. In the kitchen, it's where we've gone from home cooking to leaving and getting fast food, to ordering Uber Eats, it's where media has gone from film and TV to streaming shows, and now with dopamine culture, it is watching reels. It's how shopping has gone from first high street shopping, then to Amazon and now to the TikTok shop. It's how communicating with people. It's gone from handwritten letters to sending emails to Snapchats. It's how we've gone from newspapers to breaking news to rage bait. As far as what we listen to for music, this rise of dopamine culture-it used to be vinyl records, and then Spotify playlists, and now it's trending sounds.   Keith Weinhold  25:11   It's gone from finding love to casual dating to infinite swiping. How about the way we look at and share photos? It's gone from photo albums to camera rolls to Instagram stories, and how about the way we access information with this rise of dopamine culture? It's gone from libraries to Google to Chat GPT, and that brings us to money maxing. Okay, yes, here in our finance world, the rise of dopamine culture has led to this. Yes, that is apparently a word now. Money maxing-it's all one word with 2x's. It sounds like something invented by a 22-year-old who's got three credit cards, three hoodies, and one fork. Okay, but money maxing-that is one of the newest personal finance trends spreading across social media. Now, the maxing stuff in that whole suffix that first became popular through terms like looks maxing, which means trying to maximize your physical appearance, whether you're male or female, and now people are sleep maxing, health maxing, career maxing, and I guess it was just inevitable until they were money maxing. And what it really means is optimizing your financial life so that every dollar works harder for you. That could include using a high yield savings account, earning credit card points and rewards, automating your investments, negotiating bills, and eliminating wasteful spending-eh, in other words, it's just another internet reinvention of financial responsibility. I mean, your grandparents just called it being sensible.   Keith Weinhold  26:58   Now, I do like the fact that young people are talking about money. I mean, as we've covered before, financial education is desperately needed. Schools will teach you about the parts of a biological cell, but surely not how to read a mortgage statement. So you can graduate knowing that mitochondria are the powerhouse of the cell, while believing that a tax refund is free money from the government. So you know, directionally, money maxing is good, but see, it usually only focuses on one side of the equation. That's the problem with money maxing. It only focuses on spending less. And here at GRE we take a different approach. The old financial advice is live below your means, and GRE's philosophy is grow your means. You should only live below your means earlier in your financial life when you sort of have to and you need to form capital for investments. But grow your means so that you can have the means to do things. I mean, that is the point of financial betterment.   Keith Weinhold  28:09   Long term, financial betterment is certainly not sustainable by saving money by getting a haircut at home, only watching men's fast pitch softball at the Moose Lodge because it's free instead of going to a Major League Baseball game, saving $120 on air tickets by adding an extra layover on your trip itinerary, or a buy one get one free deal on Hillshire Farm Bacon. Now, of course, you shouldn't waste money if you're paying for six streaming services and you're only watching one. Well, cancel the others. If you carry a credit card balance at 24% surely extinguish that financial dumpster fire. But you cannot shrink your way to an extraordinary life. There is a floor beneath how little you can spend, there is no ceiling above how much value you can create for others. You can cancel your coffee, you can stop eating out, you can turn down the thermostat until your living room feels like a meat locker, but eventually there is nothing meaningful left to cut. That is the weakness in traditional money advice. It treats personal finance like a sinking ship, and it just hands you a bucket. Growing your means is building a bigger ship. The most powerful form of money maxing is not squeezing another 2% off your grocery bill. It is increasing your income. It is acquiring productive assets and creating systems that pay you repeatedly. I mean, saving 20 bucks is fine. Creating another income stream can continue for. Years. This is the difference between subtraction and multiplication. Most money-maxing advice really isn't different than that conventional advice. It's living in the world of subtraction. Cut this. Cancel that. Buy the generic cereal. Drive across town to save 12 cents per gallon. Hey, congratulations! You just spent 40 minutes of your finite life to save $2.80. Real wealth is built through multiplication. Multiply your income, multiply your skills, multiply your relationships, learn a new system, multiply the number of people you serve with rental property, and then multiply your money through productive assets. Now, this does not mean to spend recklessly. Growing means is not permission to inflate your lifestyle every single time your income rises, but it means directing more attention toward expansion than deprivation.   Keith Weinhold  30:59   Ask yourself a better question. Instead of asking how can I save another $100 this month, ask how can I create another $1,000 of monthly income. That very question activates a completely different part of your brain. Now maybe you develop a valuable skill. Maybe you negotiate your compensation. Maybe you start a business. Maybe you acquire an income property. Maybe you turn knowledge, intellectual property, or an audience into a recurring revenue stream. You start looking for leverage rather than looking for coupons and leverage, that is the real engine of what money maxing ought to be. Leverage means accomplishing more with less of your personal effort, and there sure are a lot of forms you can leverage other people's time. You can leverage systems and technology. We're going to talk about a system later here. You can leverage media where one message reaches 1000s or millions of people, and in real estate, you can leverage other people's money. You can scale. A few weeks ago, here I discussed four different types of scale. Real estate investors can get them all at the same time. If you remember, they are financial leverage, like with the five ways. There's operational leverage, there's geographic leverage, and finally replication. You use a relatively small down payment to control a much larger asset while your tenant pays you rent, that income helps cover the property's expenses and mortgage, and over time, inflation tends to lift rents and property values. While your fixed rate debt becomes easier to repay with diminished dollars, I mean that is real money maxing right there. In fact, GRE's real estate pays five ways framework might be the ultimate money maxing system. One property can produce cash flow; it can appreciate. Your tenant can gradually amortize your loan for you. You get the tax benefits, and inflation can transfer wealth from the lender to you through your fixed rate debt, five simultaneous financial benefits attached to one asset. Oh, and we're going to take that and compare that with saving 50 cents on toothpaste. Now, both things technically do improve your finances, but they don't even belong in the same zip code.   Keith Weinhold  33:41   Now, none of this means that every leveraged property is a good investment. In fact, leverage amplifies outcomes. A well-selected, properly financed property is going to accelerate your wealth creation. But a bad deal with thin reserves-hey, that can accelerate your introduction to an attorney. Money maxing still requires judgment. You want durable income, adequate liquidity, responsible underwriting, and you want to have enough reserves to withstand the inevitable surprise. Because every rental property eventually introduces you to something that is leaking, squeaking, or perhaps refusing to pay. The goal is not to optimize every dollar so aggressively that your financial life becomes fragile. And really, that is an important warning about all forms of maxing. Optimization can go too far. Someone might transfer money among five banks to chase these tiny promotional yields, and open 12 credit cards for bonus points, and then monitor every purchase with the intensity of airport security. Okay, I mean technically they're optimization. Their money, but they're also turning their life into like an unpaid accounting internship. Your money should create freedom, not become another demanding employer. Effective money maxing focuses on the big levers first. Get some big wins. Increase your earned income. Own those productive assets. Use good debt prudently. Reduce taxes legally. Protect yourself against catastrophic losses. Maintain liquidity, and then optimize the smaller expenses. Do not spend three hours clipping coupons while ignoring a poorly structured $400,000 mortgage. You do not congratulate yourself on saving $9 on lunch while leaving 50k idle in an account that earns almost nothing. So we don't obsess over credit card points while carrying a balance because paying 24% interest to earn 2% cash back is not money maxing. That is like arithmetic getting mugged in an alley. And there's also an important difference between looking rich and becoming wealthy. Social media rewards visible consumption on things like cars, watches, first-class seats, rooftop dinners, actual wealth-that's something that's often invisible. It is the rental property quietly producing income. It is the ownership stake compounding in the background. It is the tax strategy that's never going to appear in a photograph, and it is the growing gap between what you earn and what you need to live.   Keith Weinhold  36:46   The person displaying the most wealth can have the least. The person saying very little might own the building. So yes, embrace money maxing. Know where your money goes. Eliminate the waste. Negotiate recurring expenses, automate your good decisions, and make your dollar purposeful. Each dollar, but don't stop with living below your means because that is only financial defense. Growing your means is financial offense. Saving money can make you more secure. Owning productive assets-that's what can make you free. The highest form of money maxing is not becoming the world's most efficient consumer. It is making the transition from consumer to owner. Own businesses, own equities, own real estate, own assets that produce value while you sleep, travel, or spend time with the people that matter to you. Because your time is limited, and yet your appetite for generic cereal is also limited. But your ability to create value, acquire assets, and grow your means. That is far less limited. Live below your means if you must, but don't stay there. Grow your means. That is true money maxing. And the number one reason that people don't acquire wealth. Do you know what it is? It's that it simply does not occur to them that they can.    Keith Weinhold  38:24   That is what Brian Tracy said. That is so incredibly simple, and it's true. If you want a money max, you need to have a great system. Let me tell you about a system called the Seven Figure Solution. Now you've been listening to me weekly for almost 12 years here, which I'm immensely grateful for. You've been earning money, investing well, and here with the seven-figure solution, you're going to be able to finally see how it all goes together. It's about making sure that your real estate and other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time, the liquidity is key because this is where a 401(k) or IRA limit you. Those vehicles have taxes and penalties if you want to use those funds early, and this does not.   Keith Weinhold  39:34   But the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach here, Naresh uses something like this, and he's in his 30s. It also gives you a significant tailwind during your investing career. Integrate the seven-figure solution the GRE way, where we have a conscientiousness about leverage in cash flow, and in this case, part of it is how to prove. Leverage a life insurance policy. When it's time to tap that policy's cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, and therefore you're using the funds in more than one place. That's the leverage, and then the IRS does not tax loan proceeds, and this reminds me of a billionaire borrowing against the value of their stock rather than having to sell any of those assets. And yet, this can be done tax-free. It's similar to what you can do with the seven-figure solution, even for non-billionaires, it is buy, borrow, die. This leverages an indexed universal life policy, and there is the right way to do this and the wrong way to do it. Part of the seven-figure solution is that your cash value can have an upside ceiling and loss protection on the downside. That's really something that you only care about more as you're closer to retirement. And there are some mistakes to avoid here. You don't just want to set up the seven-figure solution off of a website, and it's based on products that you might have heard of from companies like Nationwide and mass mutual. I strongly encourage you to learn more, see how it all goes together, and learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, and even a 721 and 1031 exchange. This is very much about you being able to picture your future, you've been building your real estate portfolio either from your investment coach or on your own. This is how the puzzle pieces finally are all going to go together. I am cordially inviting you to join us for a special live event, the Seven Figure Solution. It is co-hosted by our own GRE investment coach Naresh and Haven Bridges Jared, who you heard from on the show with me last week. By attending live from the comfort of your own home or from anywhere, you can have your questions answered in real time. It is this Thursday, the 27th, at 8 p.m. Eastern, 5 p.m. Pacific.   Keith Weinhold  42:23   Most people spend decades building wealth, and then they lose far too much of it because the retirement pieces were never designed to work with each other. So you're going to see how real estate, taxes, insurance, and retirement income can fit into one coordinated strategy, helping you grow and protect your wealth, access capital without immediately selling your assets, and potentially avoid losing hundreds of thousands of dollars to taxes unnecessarily. So it's not just another collection of disconnected financial tips. Really, it's your opportunity to finally see the entire retirement picture and understand what might be missing from yours. It's complimentary to attend. The longer you wait, the fewer options you could have. Decisions made today can affect your wealth for decades. Don't wait until retirement day to discover that your plan had expensive holes in it. There are some moving pieces here, so it's especially helpful that you attend this one live, and that way you can have any questions answered in real time, so that you really understand. And you might have been one of thousands of listeners that have attended our property webinars before, and they are important to building your portfolio. But this one could very well be more important in seeing your big picture, seeing your retirement, and seeing that your heirs aren't left with a giant tax bill too. You can reserve your seat now for the seven-figure solution at grewebinars.com again. That's grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  44:14   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  44:42   The preceding program was brought to you by your home for wealth building. getricheducation.com.

Ryan, Miles, and Pete talk Modern before the CCO Tropical Regionals start up

Hebrews 5 details the Definition of a High Priest; the Qualifications of Jesus to be one; and the great need for maturity on our part.

The Father qualified us to partake in the inheritance of the saints in the Light, which is Christ. By His past action, our status has been changed from earthly citizenship to heavenly citizenship and co-heirs with Christ. This is something we should be excited and thankful about! VF-2260  Colossians 1:12 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2026 Pastor Melissa Scott, Ph.D. All Rights Reserved

Ruling out a condition you have never encountered is a different act than ruling out one you know. That question runs through the medical testimony in Lindsay Clancy's murder trial.Clancy stands charged with three counts of first-degree murder, all pleaded not guilty, in the January 24, 2023 deaths of her three children. She has not contested causing their deaths. The defense claims postpartum psychosis and bipolar disorder are why she is not criminally responsible. The state's argument is that she acted knowingly and should be held accountable.Dr. Alia Goodheart of McLean Hospital testified her caseload had never included one, and could not say how many postpartum depression patients she had treated in twenty years. Dr. Jennifer Tufts testified she was not certain how rare the condition is, and that she had not treated any such patients in the period before Clancy came to her.Psychotherapist Shavaun Scott joins Tony Brueski for part two of three. Shavaun has practiced for more than thirty years across trauma, anxiety, depression, and the psychology of violence.The conversation covers the records that were never requested, the releases that were never signed, and fourteen video appointments with a psychiatrist who was never in the same room with her. It covers what it means that Clancy spent her career as a labor and delivery nurse and was treated as a reliable reporter by everyone who saw her.It also covers the care that held up. A psychiatric nurse practitioner gave Clancy her personal cell number and called her on a day off.Neither has admitted liability.Julie Paul launched South Shore Hospital's Perinatal Behavioral Health Program in 2018 and met Clancy through Clancy's then-mother-in-law, a nurse at the same hospital. Their contact lasted about ten days because Paul was leaving for another job. Tufts finished her residency in July 2022, the month before Clancy's first appointment.END LINKSJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePodDISCLAIMERThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.HASHTAGS#LindsayClancy #JenniferTufts #HiddenKillers #McLeanHospital #ClancyTrial #TrueCrime #AliaGoodheart #PostpartumCare #MedicalMalpractice #PlymouthSuperiorCourt

There will always be voices that tell you that you aren't ready, you aren't qualified, or you don't have enough experience. But sometimes the biggest obstacle isn't what others are saying—it's what you are saying to yourself.You have to learn to recognize what God has already placed inside of you. You may not know everything, but you know enough to take the next step. You may not have every answer, but you have enough experience, wisdom, and faith to move forward.Stop allowing the opinions of naysayers to make you question the calling God has placed on your life. You don't need everyone's approval when you have God's direction. Trust that He has equipped you for what He has called you to do.In this episode, we're talking about silencing the voices of doubt, stepping confidently into what God has given you, and remembering that you are qualified—not because you have it all figured out, but because God is with you.You know enough. You have what you need for this moment. Now trust God, take the step, and stop disqualifying yourself.My 30 Day Faith to Believe devotional:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Faith to Believe – 30 Day Devotional eBook - Elevate | Christina Jolly⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me at:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Home - Elevate | Christina Jolly⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get your FREE eBook download here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Elevate Your Faith in 5 Minutes - Elevate | Christina Jolly⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

It's Thursday, and that means it's time to talk politics with The Times Picayune/New Orleans Advocate's Stephanie Grace. Today we discuss the end of qualifying for the November elections and what races are already drawing attention.In recent years, there's been a massive uptick in misinformation spread over the internet. In Acadiana, misinformation spread by both internet bots and neighbors derailed a solar farm project in Iberia Parish. While the project promised millions in local tax revenue, rumors circulated that the panels could cause fires, property values to fall, pollution and even disease.Delaney Nolan reported this story for The Lens. She joins us now for more. For the first time in its history, Boys & Girls Clubs of Metro Louisiana has its own facility in Covington. The ribbon was cut this past Friday on the Doug A. Brooks Family Donor Fund Clubhouse.Angel Nelson, president and CEO of Boys and Girls Club of Metro Louisiana, and Doug Brooks, Covington Board Member, tell us how this expansion will help the organization serve more children. —Today's episode of Louisiana Considered was hosted by Bob Pavlovich. Our managing producer is Alana Schreiber. We get production and technical support from Garrett Pittman, Adam Vos and our assistant producer, Aubry Procell. You can listen to Louisiana Considered Monday through Friday at noon and 7 p.m. It's available on Spotify, Google Play and wherever you get your podcasts. Louisiana Considered wants to hear from you! Please fill out our pitch line to let us know what kinds of story ideas you have for our show. And while you're at it, fill out our listener survey! We want to keep bringing you the kinds of conversations you'd like to listen to.Louisiana Considered is made possible with support from our listeners. Thank you!

Activate the Blessing by the confession of your mouth.Jesus has Qualified us.Ephesians 1:3Deuteronomy 28

When you're moving into retirement, you're most likely to be starting to ask yourself which investment accounts you should start drawing from first. There's really no universal answer—retirement withdrawal strategies are deeply personal and situation-dependent. But understanding the implications of each account type and the factors that influence withdrawal order can have a massive impact on your tax burden and the longevity of your assets.    You will want to hear this episode if you are interested in... [00:00] Retirement withdrawal strategy options [06:37] Roth IRA and taxable accounts [07:47] Tax implications for investment gains [14:12] Roth IRA conversion strategy [16:17] Real-life retirement income strategies [19:36] Importance of a withdrawal strategy   Understanding the Account Types and Their Tax Impact   The foundation of your strategic withdrawal plan begins with understanding how each investment account is taxed:   1. Pre-tax Retirement Accounts These include traditional IRAs and 401(k)s, SEP IRAs, and similar plans. Contributions offer a tax deduction, and growth is tax-deferred, but withdrawals are taxed as ordinary income. These accounts are eventually subject to required minimum distributions (RMDs), currently beginning at age 73 or 75, depending on your birth year. Withdrawals here not only increase your reported income but can also impact Medicare premiums and Social Security taxation.   2. Roth Accounts Roth IRAs and Roth 401(k)s are funded with after-tax contributions. Qualified withdrawals are tax-free and—if the original contributor owns the account, not subject to RMDs in your lifetime. This makes Roth accounts especially valuable for flexible, later-stage withdrawals.   3. Taxable Brokerage Accounts These are standard investment accounts not designated for retirement. Withdrawals of principal do not create taxable events; only realized capital gains, dividends, and interest are reported for taxes. One major benefit: capital gains rates can be lower than ordinary income rates and may even reach 0% for some filers. Withdrawals can be easy to manage for opportunistic or requirement-driven needs.   Questions to Consider with Personalized Withdrawal Planning Several personal factors play into the best withdrawal order: Are you retiring before 65 and in need of Affordable Care Act (ACA) health insurance? Do you want to minimize future RMDs or leave assets to heirs? When will you begin Social Security or receive pension income? What is your preferred tax bracket and desired lifestyle flexibility?   These questions should be revisited regularly, as changes in tax law, health, or legacy wishes can affect your strategy.   Real-World Withdrawal Scenarios Coordinating Withdrawals for ACA Subsidies Jonathan retires at 57, pre-Medicare, and must carefully manage his modified adjusted gross income (MAGI) to retain ACA health insurance subsidies. My suggested plan is to combine modest 401(k) withdrawals, reportable dividends, and money market interest to stay below the MAGI threshold. Additional cash needs are met from accounts, like the money market, which don't affect taxable income. This keeps his subsidy and aligns with income limits, demonstrating the need for multi-account coordination.   Reducing Future RMDs and Leaving a Legacy Walter and Amy, 62, want to avoid burdening their heirs with high-tax inheritance on pre-tax accounts. Instead of focusing solely on paying the least tax today, they prioritize Roth conversions while Social Security is delayed, taking advantage of lower brackets now to transfer wealth into tax-free vehicles. Over several years, they could convert hundreds of thousands into Roth IRAs, significantly reducing future RMDs while maximizing wealth transfer.   Minimizing Tax on Social Security Christian, 68, blends Social Security with distributions from non-taxable sources like his money market to avoid triggering federal taxes on his Social Security. Careful planning allows him to either keep Social Security tax-free or, with limited IRA withdrawals, incur only minimal tax.   The Importance of Ongoing Review and Professional Advice Your withdrawal strategy is not a "set-and-forget" plan. Tax laws, account balances, and individual goals will change over time. I suggest annual reviews and, ideally, working with a specialized financial advisor to continually adjust the plan for optimal tax efficiency and income sustainability. A thoughtful approach, tailored to your personal circumstances and updated regularly, will help you balance tax efficiency, income needs, and legacy goals.    Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

https://vimeo.com/1216845407?share=copy&fl=sv&fe=ci https://www.currentfederaltaxdevelopments.com/podcasts/2026/8/9/2026-08-10-irs-guidance-on-qualifed-overtime-for-2026-2028 This week we look at: Transitioning Foreign Tax Allocations and Implementing the Ten Percent Credit Disallowance Under Section 960(d)(4) Trustee-to-Trustee Transfers of Inherited IRAs Through an Estate: Technical Analysis of PLR 202631001 Federal Courts Lack APA Jurisdiction Over Foreign Gift Penalty Disputes: The Adequate Alternative Remedy Barrier Sourcing Executive Termination Payments: Analyzing the Bifurcated Sourcing of Severance and RSUs in the Appeal of Otting The Permanent Section 45S Paid Family and Medical Leave Credit: Analyzing the Statutory Wage Method Mechanics and the New Premium Method Under Notice 2026-28 The Tax Court Open Door: Why the BBA Partnership Petition Deadline Is Not Jurisdictional Commingled Funds, Unsubstantiated Deductions, and the Binding Form of Transactions: A Technical Tax Analysis of Reed v. Commissioner The Safe Harbor That Wasn't: Deconstructing the Anti-Abuse Rule in SIH Partners LLLP v. Commissioner The Evolution of Qualified Overtime Compensation Deductions: Analyzing IRS Fact Sheet FS-2026-13 and Its Practical Implications

Remember God loves you so much he sent his Son Jesus Christ to take the punishment for your sins. You are of great value. Jesus loves you and He is just a prayer away! This episode includes AI-generated content.

In this episode: Inflation-indexed IRS deductions, credits, and thresholds for 2026. Non-indexed thresholds that haven't changed in decades (e.g., home sale gain exclusion). New above-the-line charitable deduction for non-itemizers. Rules for deducting donated vehicles. Conservation easements and farmland preservation. Tax treatment of donated timeshares and vacation home rentals. Qualified opportunity zone capital gains deferment. Health insurance marketplace premium tax credit pitfalls. Upcoming tax filing deadlines. IRS interest vs. penalty abatement rules.

Josh Evans preaches to the Faith Church congregation on Wednesday night, August 5, 2026. His message is titled "Called, Not Qualified" and it comes from Exodus 3-4. This is the second week of the 3-week Summer Revival series at Faith Church.

https://cdn.enduringword.com/audio/devotional/Devotional08042026.mp3 The post Qualified to Serve – Acts 6:3 – August 4, 2026 appeared first on Enduring Word.

Read more from VPM News:  Pilot program connects childcare centers with substitute teachers via app  How Charlottesville's trees are faring on the Downtown Mall, 50 years later On the agenda: Albemarle schools investigation, Charlottesville housing grants  WATCH: Happy Primary Day, (most of) Virginia! (TikTok)   Other links:  Virginia senators request special session to act on 'deeply alarming' groundwater report (Virginia Mercury)  Appalachian Power sees ‘explosive' growth from data centers, other big customers (Cardinal News)  Richmond DPU misses deadline to fix billing problems (WTVR)  U.S. Drought Monitor shows Richmond area drought conditions easing (Richmond Times-Dispatch)*  *This outlet uses a paywall. Our award-winning work is made possible with your donations. Visit vpm.org/donate to support local journalism.

Most people treat their HSA like a medical debit card. The ones who retire wealthy treat it like a secret weapon, and the difference could be worth over a million dollars.  In today's conversation, Nic and Randy break down why the HSA is the only truly triple tax-free retirement vehicle in existence, and how to stop leaving that money on the table. ⸻  ⏱️ Episode Timeline & Highlights  [00:19] – Why the HSA is the most misunderstood investment vehicle in retirement planning. [01:18] – Triple tax-free: The one advantage no Roth IRA or 401K can match. [02:22] – 2026 contribution limits: What individuals, families, and those over 55 can contribute. [03:22] – The biggest mistake: Why spending your HSA now could cost you a fortune later. [05:15] – How to invest your HSA funds and maximize long term compounding growth. [09:15] – Qualified expenses beyond doctor visits: Prescriptions, dental, vision, Medicare premiums, and long term care. [13:57] – Withdrawal rules: What happens before and after age 65 for non-medical expenses. [15:22] – HSA and estate planning: How to pass it to your spouse completely tax free. [17:05] – HSA vs FSA: The key differences every employee needs to understand. [21:22] – Five key takeaways: The simple framework for turning your HSA into a retirement powerhouse.  ⸻  Links & Resources Mentioned  • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/  ⸻  Closing Thoughts  If today's episode resonated with you, please like, share, comment, and subscribe, it helps us reach more people who want to keep more of what they've earned.  Have questions about whether an HSA is right for your retirement plan? Reach out at connect@meritfa.com, we'd love to help you make the most of every tax advantage available to you.   Stay coachable!  __________  Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

Rob York is the head of the archery division at the Oklahoma City Gun Club and fresh off a fantastic weekend of State Championship action we set down to recap a wonderful weekend. Oklahoma ASA had 246 QUALIFIED shooters on the range this past weekend and Rob took out all the stops to make sure each and every one of them was treated like the guest of honor. We swap stories and discuss feedback from the most hectic weekend in recent memory and look forward to 2027 and things to improve.Big thank you to EVERYONE at the Gun Club who helped us pull off this feat! Neil and Dave transition to INDOOR SEASON and announce the First Annual Oklahoma Open, hosted by H&H Archery December 11th-13th! Give this episode a listen for some details you don't want to miss!As always, thank you to our sponsors at the Podcast: Cooper Heat and Air, Summit Bowstrings, Red Dirt Archery and H&H Archery! #oklahomaasafederation#oklahomacitygunclub#okcgcarchery#statechampionships #indoorarchery#lancasterarchery#3darchery #oklahomaopen#hnharchery#cooperheatandair#summitbowstrings#triplecarchery

Have you ever felt lonely in a season where you actually had people around you?I know I have.After having my fourth child, I found myself feeling incredibly overwhelmed. I had people in my life, but I realized I wasn't truly letting them in. I wasn't being honest about what was hard, where I was struggling, or what I really needed. After experiencing a panic attack, I found myself in counseling and on a journey toward finding deeper, more meaningful connections.In this week's Coffee with Heather mentor series, I want to talk about community in motherhood because I know how hard it can be. As moms, we are constantly pouring out—meeting our kids' needs, managing schedules, and caring for everyone around us. Sometimes friendship gets pushed to the side because we simply don't have the energy left.But the truth is, we were never meant to do motherhood alone.In this conversation, I share: Why making and maintaining friendships can feel so difficult as a mom. How we can unintentionally keep people at a distance. The insecurity that can come when we see groups of moms who already seem connected. How vulnerability helps us move from surface-level relationships into real connection, and how to practically do that.  Practical ways to start building community, even in a busy season. I also share an interview with Jada Edwards about the importance of remembering that our kids don't need a perfect mom—they need the mom God created us to be. We can trust Him with the gaps and allow Him to bring people into our lives who can speak truth, love, and encouragement into our children. God often provides a village in ways we don't expect. Sometimes we just have to be willing to ask Him to show us who those people are and take the first step toward connection.Connect with Melanie Shankle:  Website: Big Mama – the big mama blog  Facebook: Melanie Shankle -The Big Mama Blog Connect with Jada Edwards:  Website: Jada Edwards  Instagram: Jada A Edwards (@jada_edwards) Links Mentioned:  Feelings Chart Needs Chart Don't Mom Alone: By Heather MacFadyen Related Episodes: You are Qualified in Christ :: Jada Edwards [Ep 248] Generational Healing: Becoming the Mom You Needed :: Melanie Shankle [Ep 508] Navigating Friendship :: Melanie Shankle [Ep 273]  Featured Sponsors:  Branch Basics: And here's the good news—Branch Basics is now available everywhere you shop: at Target, Target.com, Amazon, and of course, BranchBasics.com. Tossing the toxins has never been more convenient! For anyone grabbing the Premium Starter Kit, you can still get 15% off at BranchBasics.com with our code [DMA]. The Premium Starter Kit comes with The Concentrate, and refillable bottles for your surface cleaners, including All-Purpose, Bathroom, Streak-Free, Foaming Hand Wash, and Laundry. It also comes with Oxygen Boost for extra stubborn stains on pots and pans, laundry, bathroom tile and more. This kit is a great way to kickstart your human-safe cleaning routine Hiya Health: We've worked out a special deal with Hiya. Receive 50% off your first order on any of their products. To claim this deal you must go to hiyahealth.com/DMA. This deal is not available on their regular website. Get your kids the full-body support they deserve. Honeylove: Save 20% off Honeylove by going to honeylove.com/DMA #honeylovepod

Could I be a coach? If that question keeps circling in your head, stay with me. The qualification you think you're missing is almost certainly one you already have. You just haven't recognized it yet.If you're new to my channel, my name is Debbie Shadid. I'm a Business Growth and Life Coach and the founder of the Business Building Boutique. For over two decades, I've helped women learn how to become coaches, get clients, grow their businesses, and create meaningful income doing work they love.When you stop waiting for permission and start seeing your life experience as the offer it actually is, everything opens up. Your hardest seasons weren't a detour. They were the preparation.In this episode, we'll walk through:• Why your life experience isn't a gap on your resume, it's your entire coaching offer• Sign one: you rebuilt a relationship after a divorce, a loss, or a heartbreak you weren't sure you'd survive• Sign two: you changed careers in the second half of your life and walked away from what felt safe• Sign three: you came through a health crisis and figured out how to feel good again• Sign four: people naturally come to you when they're struggling, and what that's really telling you• Sign five: something in you keeps saying you're meant for more, and why that isn't wishful thinking• The one thought that's holding you back, and why it's a lie• The single simplest way to get your first client, and it isn't a website or a certificationImagine finally understanding that the thing you've quietly called "just my life" is exactly what someone out there is searching for right now. You're not too late. You're not too old. You're not under-qualified. You were made for this.Wondering if coaching is your next step? Let's talk about where you are and what you've been through. Book a call with me here:https://debbieshadid.com/scheduleConnect with me, Debbie Shadid:Website: https://www.debbieshadid.comInstagram: https://www.instagram.com/debbieshadid/Listen to the Podcast:Life Coach Business Building School Podcast: https://podcasts.apple.com/ca/podcast/life-coach-business-building-school-with-debbie-shadid/id1502118085Subscribe for weekly episodes on building your coaching business, finding clients, and creating the life you actually want: https://www.youtube.com/@debbieshadid?sub_confirmation=1If this spoke to you, share it with a woman who's been telling herself she isn't qualified. Subscribe and hit the bell so you don't miss next week's episode.Disclaimer: Some links above may be affiliate links. I only recommend products I personally use and love.Let's connect!Website: https://www.debbieshadid.com Instagram @debbieshadidSubscribe on YouTube#DebbieShadid #LifeCoachBusinessBuildingSchool 

Check out the STACK for links from each show here: http://JustinBarclay.comNew gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeProtect what you've worked for… Kirk Elliott Precious Metals is my preferred partner - http://GoldWithJustin.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.comNo matter what's coming, you can be ready for your family and others. http://PrepareWithJustin.com #adFind Justin..Podcast: https://www.iheart.com/podcast/53-westmichiganlivewith-28276509/?keyid%5B0%5D=West%20Michigan%20Live%20with%20Justin%20Barclay&pname=podcast_profile&sc=widget_shareRumble: https://rumble.com/c/JustinBarclayLOCALS: https://justinbarclay.locals.comFacebook: https://www.facebook.com/MrJustinBarclayTwitter: https://twitter.com/mrjustinbarclayGettr: https://gettr.com/user/mrjustinbarclayTruth: https://truthsocial.com/@mrjustinbarclayInstagram: https://www.instagram.com/mrjustinbarclayTwitch: https://www.twitch.tv/mrjustinbarclayGab: https://gab.com/MrJustinBarclayTiktok: https://www.tiktok.com/@mrjustinbarclayBitchute: https://www.bitchute.com/channel/OvxYfTftZdRk/Brighteon: https://www.brighteon.com/channels/mrjustinbarclayClouthub: https://app.clouthub.com/#/onboarding/?redirect=%2Fusers%2Fu%2Fmrjustinbarclay%2FpostsSubstack: https://substack.com/profile/41993224-justin-barclayGet the stories from today's show in THE STACK: https://justinbarclay.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comProTech Heating and Cooling - http://ProTechGR.com New gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinHeartland Home Mortgage http://HHMLending.com

2.29 INTRO ScheduleWhiskeyjack interview - Legends of the Hidden Force, IMPACT - everything you need to know about o-ring rivetsNext livestream 7/27 SDCCFOLLOW-UPGrunt & Dawn pushed back - more on that laterBigBad wait listTriple T talk next week!Things you might have shipping soon, updates since last episodeRANK & FILE CARD - LADY JAYECOVERT OPERATIONSCode Name: LADY JAYEFile Name: Hart-Burnett, Alison R.SN: 853-71-6749Primary Specialty: IntelligenceSecondary Specialty: Personnel clerk (A Military Administrative Specialist (often called a Military Admin Clerk or Human Resources Specialist in armed forces units) is responsible for providing administrative and personnel support to ensure the smooth operation of military units. This role combines clerical expertise, organizational skills, and strict adherence to military regulations and procedures.Military administrative personnel handle records management, correspondence, reporting, and coordination tasks while maintaining confidentiality and operational security.)Birthplace: Martha's Vineyard, Mass.Grade: E-4Lady Jaye graduated from Bryn Mawr and did her graduate work at Trinity College in Dublin where she acquired the faint Gaelic lilt that adorns her speech. An accomplished actress and mime as well as a studied linguist, she can easily pass as a native in France, Italy, Poland, Russia, Germany, Afghanistan, Spain, and Portugal.Airborne and Ranger qualified, graduated intelligence school Fort Holabird. Qualified expert: M-16, M1911A1 and reflex crossbow."Lady Jaye doesn't go in for that phoney wig and rubber mask brand of disguise like those jokers on Mission Improbable...She becomes the subject: body language, subtle gesture, correct shading of dialect - The right look in the eye. Cloaked and sandaled, she can squat down with a basket of oranges, in any Middle Eastern marketplace and blend in perfectly."G.I. GONZO - OPERATION CAMILLA INSTRUMENTS OF DESTRUCTION - Devilfish (Kristian)KNOWING IS HALF THE BABBLESHOW CLOSEMusic is by Chris Lodge of Neon WarlordsFollow us on IG at audibleinterludepodcast

Have you been contributing to a Roth 401(k) for years and assumed that time counts toward the Roth IRA five-year rule when you roll it over?

Ian sits down with Asher Bykov, Head of Growth at USVC, AngelList's newly launched publicly accessible venture fund, to talk about how they took USVC from a hundred and fifty investors to tens of millions of impressions on launch day. Asher shares why the biggest marketing lever wasn't a campaign but years of owned audience-building through Naval Ravikant's podcast and Ankur Nagpal's Silly Money newsletter, how a great offer beats great copywriting every time, and why he thinks about brand as a promise you keep rather than a logo you design. Key Takeaways: A great offer beats great marketing. Asher ranks the sequence as offer, then copywriting, then design, then media buying - no amount of clever positioning saves a weak offer. Owned audiences compound for years before they pay off. Naval's podcast, Ankur's Silly Money newsletter, and AngelList's own network turned USVC's launch into demand capture rather than demand generation. Brand is a promise, not a logo. Borrowing from Seth Godin, Asher argues that consistently delivering on what you tell your audience matters more than any campaign, rebrand, or design choice. Sponsor:  Pipeline Visionaries is brought to you by Qualified.com. Qualified helps you turn your website into a pipeline generation machine with PipelineAI. Engage and convert your most valuable website visitors with live chat, chatbots, meeting scheduling, intent data, and Piper, your AI SDR. Visit Qualified.com to learn more. Links: Connect with Ian on LinkedIn: https://www.linkedin.com/in/ianfaison/ Connect with Asher on LinkedIn: https://www.linkedin.com/in/asherbykov/ Learn more about USVC: https://usvc.com/ Learn more about Caspian Studios: https://www.linkedin.com/company/caspian-studios/about/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This Day in Maine for Tuesday, July 21, 2026.

Have you ever had one hard parenting moment and immediately thought, "I'm such a bad mom"? I know I have. It's amazing how quickly we can go from, "Today was hard," to believing something is wrong with us instead of recognizing we simply had a difficult moment.In this week's Coffee with Heather mentor series, we're talking about one of the most important relationships we have—the relationship with ourselves. As moms, we're often so quick to extend grace to our kids, our spouses, and our friends, yet we're incredibly harsh with the woman staring back at us in the mirror. We hold ourselves to impossible standards, compare ourselves to what we see online, and believe the lie that we're supposed to have motherhood figured out.In this conversation, I want to encourage you to begin recognizing the difference between conviction, condemnation, and shame. We'll talk about why self-compassion isn't self-pity, how to quiet your inner critic, and how to replace the lies we believe with the truth of God's Word. Motherhood was never meant to be lived under the weight of perfection. God isn't asking you to be a perfect mom—He's inviting you to faithfully walk with Him, receive His grace, and extend that same grace to yourself.If you've been carrying around mom guilt, feeling like you're constantly falling short, or wondering if you're enough, I hope this conversation reminds you that your identity isn't found in one parenting moment. It's found in Christ. There is no perfect formula for raising kids, but there is a faithful God who redeems our mistakes, transforms our hearts, and walks with us through every season of motherhood.Connect with Kim Fredrickson:  Facebook: The Self-Compassion Club Instagram: Kim Fredrickson (@kimfredrickson) Connect with Jada Edwards:  Website: Jada Edwards  Instagram: Jada A Edwards (@jada_edwards) Links Mentioned:  Give Yourself a Break: By Kim Fredrickson Give Your Kids a Break: By Kim Fredrickson Don't Mom Alone: By Heather MacFadyen Related Episodes: You are Qualified in Christ :: Jada Edwards [Ep 248] Quiet Your Inner Critic and Practice Self-Compassion :: Kim Fredrickson Remaining You While Raising Them  :: Alli Worthington [Ep 420] Featured Sponsors:  Wayfair: Ready to upgrade your home for way less? Head to wayfair.com right now to shop all things home and get your space ready for less.  Our place: Upgrade your kitchen with Our Place today. Visit fromourplace.com/DMA and use code DMA for 10% off sitewide. With a 100-day trial, you can try it completely risk-free. Lifepro: For a limited time, our listeners can get $20 OFF the Waver Vibration Plate plus Free Shipping with code [DMA] at lifeprofitness.com.

What if addiction isn't the problem, but the solution to pain you never knew you were carrying? Anita Chellamah looked like she had everything. She appeared on Top of the Pops with Legs & Co, fronted and co-wrote The Cherry Bombz, supported Poison on tour in America, performed at the legendary CBGB in New York and on the Reading Festival Main Stage, was a member of Toto Coelo, who reached No. 6 in the UK charts and No. 4 in Australia, and became one of the first presenters on Sky Television and one of its first presenters of colour, hosting her own shows and performing Sky's 5th Anniversary song. From the outside, it looked like success in every direction. Behind the scenes, however, she was quietly battling addiction. At just 19, while performing in the West End production of Bubbling Brown Sugar, she was prescribed amphetamines by a private doctor who was later struck off. By her late twenties, nights began with champagne, continued with cocaine and ended with Night Nurse. At 29, she stopped. She hasn't had a drink or a drug since.Today, Anita is a trauma, addiction and DBT therapist with nearly four decades of sobriety. Qualified since 1998, she works in private practice, receiving referrals and working with organisations including the Priory, Steps Together and Castle Craig, specialising in addiction, trauma and Dialectical Behaviour Therapy (DBT) with individuals, couples, families and groups. Anita explains why rock bottom rarely looks like the movies, why childhood trauma, shame and emotional pain so often drive addiction, and why recovery is about far more than simply putting down the drink or the drug.We explore the hidden links between trauma, ADHD, binge drinking, cocaine addiction, alcoholism, codependency, self-worth, mental health, emotional regulation and long-term recovery. Anita shares how recovery transformed not only her relationship with alcohol and drugs, but also the way she understands herself, her emotions and the world around her.The conversation also tackles some of the biggest debates in recovery today, including trauma therapy, 12-step fellowships, medication in recovery, antidepressants, ADHD medication, relapse prevention, addictive personality and why there is no single path that works for everyone. Nearly 40 years sober, Anita's humility, honesty and wisdom offer hope to anyone wondering whether lasting recovery from addiction and alcoholism is really possible.Oliver is an ambassador for Alcohol Change UK and you can access support here - https://tinyurl.com/5dt5773eThank you to Gavin Sisters for sponsoring this episode! Visit -www.gavinsisters.co.ukand use promo code SCHOOLOFROCKBOTTOM for 10% off!Podcasting is an expensive passion. To help me keep going, I'd really appreciate it if you could buy me a coffee, thank you!https://buymeacoffee.com/olivermason1Or via PayPal - https://www.paypal.me/olivermason1paypalTopics -0:00 Trailer & Intro2:55 A rock bottom moment 5:25 Binge drinking & progression9:25 Childhood 12:45 ADHD and intrusive thoughts 14:30 Using performing arts as medicine 17:25 Access vs genetics 18:45 Dealing with denial 20:15 Recovery in 198825:35 Do all addicts have trauma?30:35 We are all different 33:35 How therapy helped Anita 38:25 WE ARE NOT DOCTORS!43:50 Still an addict after 38 years?48:20 Humility & labels 51:35 Addictive personality & escape?57:20 Boundaries Follow Anitahttps://www.instagram.com/anitachellamahFollow OliverInstagram - https://tinyurl.com/2vt29sjvFacebook - https://tinyurl.com/34cwz59rTikTok - https://tinyurl.com/ujw4vxn9LinkedIn - https://tinyurl.com/yuemhnd7Threads - https://tinyurl.com/yk7vdeahX - https://tinyurl.com/3u5mnpdsPlease subscribe, follow, like, leave a review and comment!YouTube - https://tinyurl.com/y5bwbcaySpotify - https://tinyurl.com/58jp2jyjApple - https://tinyurl.com/y3n2chk3#Addiction #Recovery #Sobriety

Caleb Drahosh Who is qualified to receive an inheritance? The one who has been delivered from the domain of darkness, a place of cloudy, chaotic slavery, and transferred into the kingdom of the beloved Son, a place of clear, ordered sonship. The payment of our debt is how the transfer occurs. And this was all accomplished at the cross.

Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt, CFP, and Brett Herron, CFP, take a deep dive into Roth conversions — what they are, why so many pre-retirees and retirees are asking about them, and when they do (and don't) make sense. Andrew and Brett walk through the core benefits of converting pre-tax retirement dollars to Roth, including lowering future required minimum distributions, creating a tax-free pot of money for large expenses, hedging against potential future tax increases, and leaving a tax-free inheritance to heirs. They also cover the practical side of paying the resulting tax bill, scenarios where converting may not be the right move — including charitable giving goals — and real examples of when conversions have paid off for clients. Throughout, they emphasize that Roth conversions are a personal, best-guess optimization strategy that should be made in coordination with a tax professional and financial advisor, not a one-size-fits-all recommendation.Tune into this episode to also learn:● What a Roth conversion is and how it differs from a regular Roth contribution.● How Roth conversions can help reduce future required minimum distributions.● The most tax-efficient ways to pay for a Roth conversion when it comes due.● Why charitable giving goals can change whether a conversion makes sense.What we discussed● [00:00:31] Kicking off the episode: introducing today's topic, Roth conversions.● [00:00:50] What a Roth actually is — after-tax contributions, tax-free growth, and tax-free qualified withdrawals.● [00:03:27] What a Roth conversion is and how it differs from contributing directly to a Roth account.● [00:06:54] Advantage #1: how converting to Roth can lower future required minimum distributions (RMDs).● [00:09:13] Smoothing retirement income over time to avoid higher tax brackets and other income-based traps.● [00:09:54] Advantage #2: building a tax-free pot of money for large or unexpected expenses.● [00:11:46] Advantage #3: using conversions as a hedge against potential future tax rate increases.● [00:13:11] Advantage #4: tax-free inheritances and gifting Roth dollars to heirs.● [00:15:46] How to actually pay the tax bill on a conversion — cash, taxable accounts, and what to avoid.● [00:19:16] Three scenarios where a Roth conversion may not make sense.● [00:21:41] Qualified charitable distributions (QCDs) and leaving pre-tax IRAs to charity.● [00:23:36] A real client example: how consistent conversions during low-income years changed one business owner's retirement picture.● [00:24:13] Why peak earning years are usually the wrong time to convert.● [00:25:49] Closing thoughts: Roth conversions are a personal decision based on your own goals, not trends.3 Things To Remember1. Roth conversions are about optimization, not necessity — they're rarely what makes or breaks a retirement.2. Whether a conversion makes sense depends on your own tax bracket today versus your expected bracket later — not on trends or what your neighbor is doing.3. How you pay the tax on a conversion matters — paying from cash or a taxable account is generally more efficient than withholding from the conversion itself.Memorable moments:(00:06:54) "Roth conversions are a way of moving some of that income forward into your retirement to lower your RMDs, therefore lowering the tip that you give Uncle Sam."(00:11:46) "It's a hedge against future tax rate increases... if you convert money from pre-tax to Roth, you insulate yourself somewhat against some of those tax potentials in the future."(00:19:16) "If doing a Roth conversion is going to hurt you financially for your retirement, it would be more necessary to not do it."Useful LinksConnect with Brett Herron: bherron@hfmadvisors.comLinkedIn: https://www.linkedin.com/in/brett-herronConnect with Andrew Barnhardt: abarnhardt@hfmadvisors.comLinkedIn: https://www.linkedin.com/in/andrew-barnhardt-cfpLike what you've heard...Learn more about HFM HERE: https://hfmadvisors.com/Schedule time to speak with us HERE: https://calendly.com/hfminquirycall/360102 WEST HIGH STREET, SUITE 200GLASSBORO, NJ 08028HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

If you're looking to qualify as a personal trainer, either for yourself or to make a career (or side hustle) as personal trainer, join me on July 22nd 2026 for the live training webinar.  See you then, link below.  https://galwaycitygymoffers.com/brian-webinar-july26

Ed Mylett shares the story of the job his newly sober father pushed him into — and the room full of boys that rearranged his entire life. He explains why the things you're most ashamed of are the very things that qualify you, why belief is the rarest gift one person can give another, and why all pain is temporary. This episode will move you to help the person you used to be.Source: Ed Mylett – Arbonne EmpowerHosted by Sean CroxtonFollow me on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Feeling Unqualified for What God Calls You To? What Moses's Story Teaches Us Ever caught yourself thinking, "God, why choose me? She's more qualified. She's been walking with You longer. She has the platform, the gifts, the put-together life — not me."  Today we're sitting with Moses in Exodus 3-4, where he asked God that exact question... and God's answer wasn't a list of Moses' qualifications. It was Himself.    Scripture Referenced Exodus 3:11-12 Exodus 4:10-17 Ephesians 1:4 1 Peter 2:9 John 15:16 Ephesians 2:10 Philippians 3:7-9 Links: Hosanna Revival — 15% off + an extra 10% off with my code SHELIVESPURPOSEFULLY https://hosannarevival.com/shelivespurposefully Daily Grace Co — Door Busters Sale + an extra 10% off with my code MEGANE10 thedailygraceco.com/shelivespurposefully  Learn more about your ad choices. Visit megaphone.fm/adchoices

How do our everyday digital traces—social posts, check-ins, photos—shape our identities, relationships, and the very nature of privacy in a hyper-connected world? Kate O’Neill sits down with Lee Humphreys, professor and Chair of the Department of Communication at Cornell University and author of The Qualified Self: Social Media and the Accounting of Everyday Life. The conversation explores the rich history and surprising continuity of documenting daily life, from centuries-old diaries and photo albums to today's social media and sensor-driven platforms. Topics Covered: The history and meaning of phatic communication Social media as an extension of historical practices (diaries, notebooks, albums) Privacy, data, and the networked self The context collapse of online identities Location-based sharing and identity work Algorithmic identities and platform agency The impact of digital spaces on rituals and remote work Policy, power, and responsibility in platform design Hopeful uses of technology to build community Connect with Lee HumphreysCornell WebsiteLinkedIn”The Qualified Self – Social Media and the Accounting of Everyday Life” Episode Chapters: 00:04 Introduction to the Tech Humanist Show & guest00:17 The concept of phatic communication02:27 Lee's route into communication technology04:42 From photo manipulation to tech distrust06:00 Diaries, Twitter, and the origins of media accounting12:10 Social reinforcement vs. narcissism in social media13:33 Location sharing and its role in identity16:35 Parasocial relationships and context collapse19:53 Data, experience, and mismatched realities22:33 The shifting meaning of place and time in data24:31 Networked privacy and the collective dimension27:39 Incentives, policy, and platform accountability30:01 Algorithmic identity and the “qualified self”35:26 Digital rituals, remote work, and connection40:31 Closing thoughts: technology, humanity, and hope41:04 Lee’s story of hope and innovation through tech42:58 Episode wrap-up and thanks

Season 2, Episode 123In the concluding episode of this series on sin, desire, identity, and the gospel, Michael and Zach explore how biblical theology should shape the qualifications for pastoral leadership. Building on previous discussions of original sin, concupiscence, sanctification, and Christian identity, they ask a practical question facing many churches today: How should elders and pastors speak about, fight against, and model the battle with remaining sin? Drawing from Scripture, the Westminster Standards, and the PCA's Report on Human Sexuality, the conversation examines the importance of clear theological categories, faithful repentance, and language that promotes rather than obscures biblical holiness. As a case study, Michael and Zach carefully evaluate the ministry and teaching of Sam Allberry, highlighting areas of broad agreement while thoughtfully explaining the narrower theological disagreements surrounding the moral status of same-sex attraction and the language Christians use to describe it. Throughout the discussion, they emphasize that the issue is not whether church leaders struggle with sin—all do—but whether they clearly identify sin as Scripture does, pursue holiness, model repentance, and faithfully shepherd God's people. The series concludes by reminding listeners that the gospel tells the truth about both our profound need as sinners and the all-sufficient grace of Christ, who transforms those who belong to Him.Find our videocast here: https://youtu.be/1O8N5lF3kSEMerch here: https://take-2-podcast.printify.me/Music from #Uppbeat (free for Creators!):⁠https://uppbeat.io/t/reakt-music/deep-stone⁠License code: 2QZOZ2YHZ5UTE7C8Find more Take 2 Theology content at http://www.take2theology.com

Which term always messes with you — effective tax rate, backdoor Roth, cost basis, or RMDs? Write it below

Non-qualified deferred compensation could be one of the most valuable benefits you're not using.In this episode of Gimme Some Truth, we break down NQDC — a powerful but often overlooked benefit available to executives and high earners at many public companies. They cover how it works, who it's for, the key risks involved, and why planning ahead is critical before open enrollment season hits.If you're a senior leader, executive, or high-income earner at a public company, this episode could save you a significant amount in taxes — or help you avoid a costly mistake.

Sometimes it's fun to daydream a bit!  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff unpack the potential uses of those unexpected windfalls.  The lottery is a great example, although a long shot – especially if you don't play!  Selling a business or receiving a large inheritance is much more likely for some of you.  Below are some practical (and not so practical) ideas. Practical matters first: There will be tax considerations for any windfall and consulting a tax professional and/or financial planning professional will be very helpful. They can help you consider: Lump sum vs annuity payments Timing of business ownership transfer and payments Taxation on various inherited assets and the timing of withdrawals and sales Then, assess where you are with your goals! Can ensure you are on track for retirement, college savings, debt repayment, and so many other things. Last – the fun stuff! With large windfalls, maybe you get to do that pie in the sky dream splurge? Golf simulator? Vacation house? Large chunks of money can potentially have larger tax implications depending on their source. Consulting a tax planning professional can be very helpful in these circumstances. And with these windfalls, consider what's really important to you, tackle that first, then maybe you'll have extra for a splurge! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors. Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply Citations: Loughead, Katherin.  Estate and Inheritance Taxes by State, 2025.  Tax Foundation. October 28, 2025. Bonus Depreciation for Short-Term Rentals: The Complete Guide (2026).  https://taxfoundation.org/data/all/state/estate-inheritance-taxes/ Powerball. FAQS.  https://www.powerball.com/faqs

When it comes to serving the Kingdom of God, the primary qualification is obedience.

You have to be careful who you let represent your organization.    I didn't learn this lesson soon enough.     I'm not talking about someone who got fired from your team and started talking shit online about the company and you.    They'll do that, but think about things this way:    You hire a sales person who is absolutely manipulative.    Guess what?    When they train your new sales people, they'll train them to be the same.    You have to rank people based on what they are.    Are they a 5 or a 7?     Maybe they're a 10.    Who you put in leadership positions will be the representatives of your organization.    Whomever you put in that place, there's a trickle down effect.    Go for 10s.     The way you find 10s is to establish metrics and KPIs that represent excellence.    Hire those people and let them do their work.    Make sure they represent the core values and mission of your company above and beyond your expectations.    And watch your company thrive on autopilot.      About the ReWire Podcast   The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at https://www.jointheapex.com/   Rise Above 

Trump Accounts are officially here on July 4th — but are they actually worth using for your kids?If your child was born in 2025 or later, they may qualify for a $1,000 government-funded investment account — but that headline doesn't tell the full story. The real question is how this new account compares to Roth IRAs, 529 plans, and brokerage accounts, and whether it fits into a smart long-term plan.In this episode of The Abundance Mindset, we break down:• What a Trump Account actually is (and how it works)• The real tax treatment (and why it's more complex than it sounds)• Where it fits in your child savings priority stack• And the advanced Roth conversion strategy that could turn this into a powerful long-term advantage

SaaStr 865: The Agents #008: Agents Are Merging, Not Multiplying. Plus, Sam Blond on Why Outbound Isn't Dead. Everyone told you the future is 100 specialized agents, one for every job. That's not what's happening at SaaStr AI. Their AI VP of Finance didn't get its own app. It moved in with the AI VP of Marketing. The agents are collapsing into each other, sharing knowledge, sharing context, going deeper together. In this episode, Amelia and Jason do a live breakdown of their AI VP of Finance: how they wired Bill.com, QuickBooks, Brex, and PandaDoc into one agent, what the agent found on day one that their human finance team never did, and why contract close to invoice now takes 30 seconds instead of a day. Then Sam Blond, founder and CEO of Monaco and one of the most respected sales minds in SaaS, joins to talk about why outbound still works, what brand and message market fit actually mean for AI agents in the field, and why Monaco is building toward one GTM platform that does everything. You'll learn: Why SaaStr's agents are merging, not multiplying, and what the "monorepo" model means for your own AI stack The exact integrations that power their AI VP of Finance (and which ones took 10 minutes vs. an hour) How the agent surfaced collections problems and automations the human team never knew existed Why "set it and forget it" is a myth, and what happened when Qualified was still selling 2026 tickets weeks after the event ended Sam Blond on brand, message market fit, and what actually makes AI outbound work for companies that aren't SaaStr Why FDE relationships are now more valuable than any AE, and what that means for how you buy and sell software This is for you if: You're a founder or operator wondering whether to build a separate finance agent or fold it into what you already have You run outbound and keep hearing it's dead (it's not) You're evaluating your GTM stack and wondering if you need five agents or one You want a real, unfiltered look at what it takes to run AI agents in production, including the failures

One of the biggest misconceptions job candidates have is that if they're qualified, they'll keep moving forward. Uh, not how it works. Every week, I hear from professionals who have the experience, skills, and background to do the job. They get the recruiter call. Then they never hear from the company again. They assume they weren't qualified. Or, they're totally confused because they believed they were qualified. Hint: They were. So, what gives? Today, we dive into one of the most misunderstood parts of the hiring process and why good candidates get stonewalled before they get to the hiring manager. If you'd like to build a great career and lead a rewarding life, check out some of these other places where I share my teachings:   1. Check out the milewalk Academy, my coaching and training site, for freemiums and premiums. 2. I have hundreds of educational and inspirational videos on my YouTube Channel. 3. Grab any of my four books related to career development, interviewing, hiring, and goal setting. All can be found on my Amazon Author Page. 4. Follow me on Instagram, LinkedIn, Twitter (X), TikTok, Threads, and Facebook. 5. Stay in touch with me in your email inbox by joining my newsletter here! --Andy

Roseanne's longtime friend Shannon Hughey joins the podcast for a wild conversation that goes from world affairs to straight-up insanity. Roseanne breaks down her take on the Iran deal, what it means for America, and why she's more hopeful than ever that the truth is finally coming to light. Then things get personal. Roseanne shares hilarious, shocking, and unbelievable stories from her time in the nuthouse—where she learned some of life's biggest lessons from some of the craziest people she's ever met. From politics to psych wards, nothing is off limits in this funny, honest, and completely unpredictable episode.   SHANNON HUGHEY   https://shannonhughey.com    https://www.instagram.com/shannonhair.mupkc -------------------------------------------------  Sponsored By: AMERICA'S GOLD COMPANY Get your FREE 2026 Gold Guide at https://www.claimmygoldguide.com/rb and learn how physical gold may help diversify your retirement savings. Qualified applicants may be eligible for up to $10,000 in free silver.   RUMBLE WALLET Take Control of Your Money and claim $10 in US Stablecoin (USA₮)! Download now at http://wallet.rumble.com/roseanne and use the code ROSEANNE10.   Void where prohibited. No purchase necessary. Offer available to US residents only. Offer not available in New York State. Must be 18+. Offer is available for a limited time and for the first 500 wallets activated and funded. Details and full official rules available at http://rumble.com/promoofficialrules. ------------------------------------------------ Follow Roseanne:     Website: https://www.roseannebarr.com Instagram: https://www.instagram.com/officialroseannebarr    Facebook: https://www.facebook.com/officialroseannebarr   Twitter: https://twitter.com/therealroseanne   YouTube: https://www.youtube.com/roseanneworld Rumble: https://rumble.com/user/roseannebarrpodcast Merch: https://www.roseannebarr.com/shop ------------------------------------------------ Co-host /Producer: Jake Pentland https://twitter.com/jakezuccproof https://www.instagram.com/jakepentlandzuccproof ------------------------------------------------   Music: "Synthetic World" by Swamp Dogg: https://youtu.be/2_uOB0455VI ------------------------------------------------    

Don and Tom take on one of investors' biggest blind spots: focusing on tiny costs while ignoring the factors that have a far greater impact on long-term wealth. Using a recent Jason Zweig article as a springboard, they explain how taxes can reduce stock market returns far more than the difference between low-cost fund expense ratios. The discussion covers tax-efficient investing, asset location, ETFs versus mutual funds, dividend taxation, capital gains, and why investors should pay more attention to portfolio design than chasing the lowest possible expense ratio. They also dissect a highly tax-inefficient YieldMax fund tied to MicroStrategy and Bitcoin, illustrating how taxes and poor fund structure can devastate returns. Listener questions cover Morningstar's acquisition of CRSP indexes and whether it threatens Vanguard investors, plus whether a retiree working part-time can contribute earned income to a Roth IRA.0:05 Big-picture investing versus obsessing over tiny details0:39 Why fund expense ratios matter less than most investors think2:06 Jason Zweig's research on taxes reducing long-term market returns3:20 How taxes often outweigh fund expense differences4:06 Qualified dividends versus ordinary income taxation5:03 Why investors should pay attention to after-tax returns5:40 YieldMax funds and the hidden cost of tax inefficiency7:19 The dangers of exotic income-focused ETFs7:48 Why ETFs can be more tax-efficient than mutual funds9:15 Tax knowledge as a critical investing skill10:30 Asset location: where stocks and bonds belong11:20 The YieldMax MicroStrategy fund and Bitcoin losses11:58 The truly important parts of financial planning13:15 Listener question from Longmont, Colorado14:17 Morningstar, CRSP indexes, and Vanguard concerns16:00 Why market-cap indexes are unlikely to be manipulated17:16 Morningstar ratings and conflicts of interest discussion17:58 Thoughts on the military-industrial complex19:23 UFL football, soccer, and sports tangents20:47 Listener question about Roth IRA contributions from part-time work21:30 Filing thresholds and earned income requirements for Roth IRAs23:21 Listener questions, voice submissions, and website tools24:08 AI voices and synthetic Don McDonald25:59 Romper Room memories and closing banterQuestions? Comments? Click!