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Can you increase your fees without losing patients? In this powerful episode, Gary Takacs and co-host Naren Arulrajah explore the truth behind dental pricing strategies and why many practices leave tens of thousands of dollars on the table. You'll discover how a data-driven, annually recalibrated fee structure can significantly boost profitability, without raising overhead. Whether you're looking to raise your hygiene fees or completely overhaul your fee schedule, this episode is packed with actionable insights.
What Is Pricing Power?The ability to charge what you're worth—without losing customers.Without it, you're running a charity, not a business.The 1% Rule:A 1% price increase = 11% profit boost (if volume stays constant).Strategy 1: Value-Based PricingStop pricing based on time or competitors.Price based on the financial impact of the problem you solve.Strategy 2: The Confidence TestIf you're not losing 10–20% of clients on price, you're undercharging.Apple is a masterclass in this.Strategy 3: Anchoring and BundlingLead with your premium offer.Use high-medium-low pricing tiers to make your middle option shine.Action Steps This Week:Calculate the value you deliver.Raise your prices 10% (for new customers).Use price anchors in your offer structure.Quote of the Episode:“If you're not occasionally losing customers to price, you're undercharging. Period.”
Optimising LinkedIn Company's Service Pages: Set-up and Best Practices In this episode of Raise your Visibility Online, Louise Brogan delves into creating and optimizing LinkedIn Company Service Pages. She walks through the steps to set up a service page on a LinkedIn company profile, with a key requirement being that the company must have less than 500 employees. Louise covers the importance of this feature, how to list services, manage leads, and advises on the best practices for descriptions and pricing. The episode also touches on navigating messages and handling potential spam. Additionally, Louise discusses LinkedIn's video usage trends and her new service, LinkedIn company audits, aimed at improving company page performance. The episode concludes with a look at upcoming interviews with business leaders on using LinkedIn. 00:00 Introduction to LinkedIn Company Pages 01:14 Setting Up Your LinkedIn Services Page 02:38 Managing and Customizing Your Services 05:37 Handling Client Requests and Inquiries 07:52 LinkedIn Video and YouTube Trends 09:33 Offering LinkedIn Company Audits 11:15 Upcoming Interviews and Final Thoughts LinkedIn Company Page Audit - https://socialbeeni.thrivecart.com/company-page-audit/ Services Page Tutorial https://youtu.be/98xk5UWs-rA
Join the live virtual experience:RichAndFeminineFormula.comRich and Feminine Formula is the live experience that will help you discover how to become the total package - and then monetize it.In this episode, Amanda Ferguson shares the truth behind why waiting 10 years for a $10K a year raise is not only exhausting - it's misaligned.If you're a high-achieving Christian woman who's starting to feel the gap between your brilliance and your bank account, this conversation will help you rethink everything.It's not about quitting your job.It's about building something that finally pays you what you're worth.
In this episode, Andy Hill sits down with LendingTree's Matt Schulz to break down the real price tag of parenting in 2024 (spoiler: nearly $300K!). They cover rising childcare costs, smart savings strategies, and how your budget can survive the baby years. Then, financial planner Madison Sharick shares how she and her husband hit Coast FIRE in their 30s — while raising two young kids!
In this episode, Brody unpacks the importance of remembering God's faithfulness by looking at the story in 1 Samuel—when he raised a stone of remembrance after God delivered Israel. That moment, and the phrase “Here I raise my Ebenezer,” challenges us to mark the moments God shows up in our lives. Brody shares personal examples, including how Snowbird's North Campus became a reminder of God's provision, and reads a heartfelt letter to the SWO summer staff as they wrap up a powerful summer of ministry. He also shares encouraging feedback from readers of his new book No Sanity Required. This episode is a call to reflect, remember, and keep pressing forward in faith.No Sanity Required Book1 SamuelSend us a textPlease leave a review on Apple or Spotify to help improve No Sanity Required and help others grow in their faith. Click here to get our Colossians Bible study.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Still unsure what to charge for your agency services? Scared to raise your rates in case clients leave? If you're like many agency owners who are busy as hell but barely turning a profit, it's time to face a hard truth: your profit model might be broken. Fixing it isn't about selling more… it's about keeping more. In this episode, we break down the pricing strategy you need to attract high-quality clients, boost profits, and finally charge what you're worth. Stop Selling Time The first mindset shift you need: Your value isn't in the hours you clock, it's in the outcomes you deliver and the confidence you bring. If you're still selling time or generic services, AI is your biggest competitor right now. But if you position your agency as a niche expert, you become irreplaceable. Clients pay for leadership, not tasks. 3 Core Agency Pricing Models (and Where They Break) 1. Hourly Pricing Punishes efficiency: work faster, get paid less. It also attracts micromanaging clients who treat your team like task rabbits. 2. Project-Based Pricing Scope, deliver, get paid. Works for one-off builds like websites, but it traps you in feast-or-famine if you aren't stacking and upselling strategically. 3. Value-Based Pricing This is where serious growth happens. Instead of selling a website, you sell a result like converting traffic into sales. You price outcomes, not hours. Common Pricing Mistakes We see it all the time: Underpricing to “close the deal.” Using one-size-fits-all pricing. Failing to adapt pricing to market demand. Giving away strategy for free. Make Your Pricing Work for Your Growth Find your ideal client. Not everyone deserves a proposal. Shape your messaging to attract clients who want to pay for results. Know your margins. You can't price confidently if you don't know your true delivery costs. Price for profit, not survival. If you're scraping by every month, you're running a hobby, not a business. Position as a partner, not a vendor. Premium clients want an advisor, not a task-doer. Where to Start Define your freedom goal. Price to support the life you want, not just your expenses. Say your price with confidence. Nervous energy kills deals. Say it, then stop talking and let it land. Anchor to outcomes. Tie your price to the results you create, not the tasks you deliver. Treat pricing like a stock. Demand goes up, so do your rates. Use milestone-based increases. Got ten new clients? Raise your rates for the next ten. Once there's a gap between your old and new rates, circle back and raise your legacy clients. Pricing isn't just a number, it's your positioning and the path to building an agency that buys back your freedom. Go back, tighten your offers, raise your rates if they're due, and say that number with confidence. Because once you believe you're worth it, your clients will too. Want Help Making This Shift? Sick of giving away strategy for free? The Foot in the Door (FITD) System shows you how to get paid $2,500+ just to meet. No more free calls, no more tire-kickers. Grab it by clicking HERE.
Unicorns Unite: The Freelancer Digital Media Virtual Assistant Community
Ever sent a proposal… and heard crickets? Yeah, that ghosting game is real and frustrating. If you're losing momentum between the call and the contract, this episode walks you through the exact changes that turn proposals into "yeses."I brought in copywriter, launch strategist, and my real-life friend Brittany McBean to talk all things premium proposals. She's breaking down what actually works when you're trying to land high-ticket clients and how to use your proposal as a persuasive sales tool, not just a boring formality.Brittany McBean helps online course creators run wildly profitable launches with high-converting, anti-sleazy sales copy. She's the behind-the-scenes brain for major names like Rick Mulready, Brandi Mowles, and Lattice Hudson, and she's passionate about ethical marketing that uplifts marginalized voices. She's known for helping freelancers like you productize premium services, shorten the sales cycle, and raise your rates without sounding desperate or pushy.Listen to learn more about:Why vague proposals are killing your conversion rate & what to include insteadThe 8 must-have sections every high-converting proposal needs (it's not just price & deliverables)How to pre-frame your offer with one powerful post-sales call email that sets up your proposal for successThe red flags that make premium clients ghost you & the green flags they're looking for!How to create a “sales page in disguise” that positions you as the expert, not the helpWe're not about sleazy sales vibes here—Brittany's approach is totally ethical, strategic, and straight-up smart. Whether you're charging $2,000 or $10,000 for your freelance services, this episode will help you show up like the confident, high-level marketer you are.Sponsored by UDMA Self-Starter ProgramLearn the digital marketing skills, business setup, and client-finding strategies you need to launch a flexible, profitable freelance career—fast. The Unicorn Digital Marketing Assistant School Self-Starter Program gets you up and running with paying clients in no time. Enroll now!Links Mentioned in the Show:Join Brittany's The Premium Proposal* program: Improve your process. Raise your prices. Work with better clients.Are you already doing marketing work but need more clients and a stronger referral network? Join The Digital Marketer's Workgroup: a tight-knit community of freelancers and get access to behind-the-scenes conversations, support, and troubleshooting that every solo marketer needs. Plus, you'll benefit from advanced trainings, networking opportunities, and exclusive job leads. Apply here!*My affiliate link. If you purchase this program, I could receive a small commission.>>Got a burning question about freelancing or digital marketing? Send me a voicemail & it could be featured in an episode. Don't overthink...
Patrick talks about how America feels about age restrictions
Dallon Schultz is a seasoned fund manager and co-founder of Capitallyst Pro, an automated CRM built to streamline capital raising for real estate investors. Since launching his real estate journey in 2018 with a small fourplex, he has grown into multimillion-dollar acquisitions totaling over $150 million, with projections surpassing $350 million. Dallon leads Arizona's largest monthly multifamily meetup and hosts the globally ranked Millionaire Mind podcast. Known for his motto “Be efficient and effective,” he's passionate about optimizing capital strategies while embracing family life and adventure. Here's some of the topics we covered: Unlocking Million-Dollar Connections at Rod's Multifamily Events Dallon Schultz's Bold Leap Into Real Estate Success How Dallon and His Wife Turned Their First Property Into a Launchpad From Fourplexes to Fortune How He Scaled Fast Scaling Small Deals Into Massive Real Estate Empires The Secrets Behind Raising Serious Capital for Big Deals How He Built Arizona's #1 Real Estate Investor Meetup The AI Revolution and What It Means for Your Future The One Game-Changing Piece of Advice Every Investor Needs Real Estate Networking Hacks No One Talks About Self Storage Nightmare Turned Into a Powerful Investment Lesson To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com For more about Rod and his real estate investing journey go to www.rodkhleif.com Please Review and Subscribe
SUMMARY: It's another bank show, recorded July 18. Matt talking about Sarah Hester Ross' hilarious 'red flags' bit sparks a lively conversation with Scoops on the Zoom chat. Does red lipstick make you look clownish? On a first date, should you plan on how many kids to have? And how should you eat fried chicken? Plus Scoop Mail and a Scoopardy.
In this episode of Mining Stock Daily, Trevor Hall sits down with Gilbert Clark from Meridian Mining to discuss their recent $50 million Canadian financing. This significant move, supported by major players like Beacon, BMO, and Stiefel, marks a pivotal moment for Meridian as they aim to advance the Cabaçal project. With the financing oversubscribed and no warrants issued, the funds will bolster exploration and development, positioning Meridian for future growth.
Liberia Launches Africa's First Youth Entrepreneurship Investment Bank Backed by AfDBEthiopia Releases First T-Bill Calendar to Raise 117 Billion Birr in Q3 FY 2024/25Africa Tops China's Belt and Road Investment List with $39 Billion in H1 2025World Bank Flags Expensive Mobile Data as Major Barrier to Africa's Digital FutureAfDB's Akinwumi Adesina Says Liberia's Youth Bank Signals a New Economic Era
Follow us on Metafy - https://metafy.gg/@tfmlorcana *** Looking For Lorcana Singles - https://theforbiddenmountain.tcgplayerpro.com/ *** Follow us on Twitch -https://www.twitch.tv/theforbiddenmountain ** Join the Discord community here - https://discord.gg/yzBHNxk ** Check out our Merch Store - https://the-forbidden-mountain.myspreadshop.com/ *** As we approach the highly anticipated release of Fabled, it's crucial to prepare your deck for the new rotation format! In this video, we dive into the top cards you need to snag before they become scarce. Whether you're a seasoned player or just starting out, these essential picks will help you stay competitive in the upcoming meta.Join us as we explore the best strategies for acquiring these cards and why they are vital for your gameplay. Don't wait until it's too late—secure your favorites now!Check out our Doc Guide - https://metafy.gg/courses/view/amethyst-steel-aggro-beginners-guide-ZMdnmjPsslx Check Out Codex Journal! - https://codexjournals.com/zkdpgyAffiliate Link: https://team.tokyotreat.com/theforbid... & https://team.sakura.co/theforbiddenmo... Coupon Code: TFMDLooking for a New Deck box? - https://heavyplay.com/TFM10Like us on Facebook - https://www.facebook.com/TFMLorcana Follow us on Twitter - https://twitter.com/TFM_LorcanaCheck out our Dreamborn Decks here - https://dreamborn.ink/creators/XAXGXyRye0ReMLzB2zHDOhOD09s1Time StampsIntro 0:00Check out the Finance Guide! 0:53Doc Bold Knight 1:30Chip'n'Dale Recovery Rangers 2:48Genie Wish Fulfilled 4:27Clarabelle Light on Her Hooves 6:37Hades Ruthless Tyrant 8:20Into the Unknown 10:10Namaari Single-Minded Rival 12:05Baymax Armored Companion 13:50Mother Gothel Unwavering Schemer 16:25The Library a Gift for Belle 18:05Tiana Restaurant Owner 19:30Finance in Lorcana 21:50This Channel uses trademarks and/or copyrights associated with Disney Lorcana TCG, used under Ravensburger's Community Code Policy (https://cdn.ravensburger.com/lorcana/community-code-en). We are expressly prohibited from charging you to use or access this content. [This website, artwork, etc.] is not published, endorsed, or specifically approved by Disney or Ravensburger. For more information about Disney Lorcana TCG, visit https://www.disneylorcana.com/en-US/.
Gupshup has raised $60 million to fuel its ambitions in AI-powered chat solutions. We discuss the implications of this funding for the chatbot industry and beyond. Learn how Gupshup's strategic direction could impact businesses and users alike. This move is seen as a strategic push toward expanding into global markets. Hear how Gupshup aims to differentiate in an increasingly crowded AI space.Try AI Box: https://aibox.aiAI Chat YouTube Channel: https://www.youtube.com/@JaedenSchaferJoin my AI Hustle Community: https://www.skool.com/aihustle/about
Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe: Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game. If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show. Hey Seth, thanks for having me, man. I'm excited about our conversation today. Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah. Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid. (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books. I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show. Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that. The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking. That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig. And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since. Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because. (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the... we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked. Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year. Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well. Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a. (Seth Bradley) (07:01.639) sorry, go ahead. (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that. Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it. Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks. If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets. you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them. (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out, knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day? (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you? Wasteful. Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest. right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays. (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about? So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income. your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars. (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly. I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure. But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up? So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free. No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make, (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker. Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess. Right, half a dozen. Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt, we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system. (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that. You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple. but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers, and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income. Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours. (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income. Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses. we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks. Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year. You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life. (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is. We can show you exactly do it, just know this is what it changes in the process. Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not. Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with. They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free. (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams? Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation. And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up. So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent. (Seth Bradley) (24:25.798) yeah, for sure. (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully. (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more. Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking. They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it. and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that. Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a... 200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle, Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals. Totally. Totally. (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think. I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in. But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time. Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC. something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed. And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're. (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah. Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit. Yeah. (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe. You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said, Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And... I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled. And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it. (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year? And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want. Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people. And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you. 100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life, (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like. And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you. For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks... folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it. (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want. And it is, it's pretty transformational once you figure out how to do it and what the next steps are. Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game. Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill? (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners? A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card, It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are. because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently. order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life. (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy? I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started. awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it? you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing. (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over. Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom? Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency. of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work. Great. How is passive income made your life better? (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win. that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go... Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made... $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot, I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating. (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you. Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com. All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon. Love it, Seth. Keep doing what you do, man. This is super important stuff. Alright brother, talk soon. (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg
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rwh26july - Ep.374 – Run With Horses Podcast – What kind of disciples are we making? Podcast: rwh.podbean.com Website: www.runwithhorses.net Youtube: https://youtube.com/@rwhpodcast Facebook: https://www.facebook.com/RWHpodcast Instagram: https://www.instagram.com/rwh_podcast Twitter: https://twitter.com/RWH_podcast Author pages with links to all books on Amazon. https://www.amazon.com/stores/author/B0BCSDDVLB – James Norman Smith https://www.amazon.com/stores/author/B0BMGW51FW – Susan Jane Smith **(24:00)** If the disciple you make doesn't make disciples, have you fully made a disciple? True disciple making is inherently a process of multiplication and That is the topic of our show today. Welcome to Run With Horses! My name is Norman and my goal is to help you thrive as a follower of Jesus. The spiritual life is simple in many ways, but potentially the most difficult part of your life. God invites you to grow, to live intentionally and to join in His mission. It's very cool that we can do that together! Thank you for joining me today! “If you're new here, you can check out past episodes at runwithhorses.net. As always, I appreciate your feedback, questions, and reviews!” **(23:00 – 0:00)* * PART 1 **(00:00) END PART 1** **(27:00 – 5:00) BEGIN PART 2* Part 1: What Are We Making? Big Idea: Churches often aim for “converts” or “Christians” in name, but not reproducing disciple-makers. 1. I'm still processing the lessons from the GARBC Conference and today I a focusing on some of the comments by Tim Walker - Pastor of Restored Church in WIlkes-Barre, PA. •Raise the contrast: “Are we making churchgoers or Christ-followers?” If the disciple you make doesn't make a disciple, have you fully made a disciple? The question is really, what are you making? Often I think the answer is, we are making Christians, and that means something different than genuine followers of Jesus. And definitively something less than disciple makers. 2. Clarifying Definitions •Disciple: Apprentice of Jesus. •Not just knowledge, but obedience and transformation. •Not just attending, but multiplying. •Disciple-maker: Someone who walks alongside others to help them become more like Jesus — and teaches them to do the same. 3. Judo Illustration •Great visual! Consider structuring like this: 1.Knowledge – Learning the basics of Jesus' teaching. 2.Training – Spiritual disciplines, habits, community. 3.Practice – Real-life obedience, failure, growth. 4.Engagement – Helping others through the same path. Jesus' model — He taught, demonstrated, let disciples try, corrected them, then sent them. ⸻ Part 2: Biblical Model – 2 Timothy 2:1–7 2 Timothy 2:1-7 - You therefore, my son, be strong in the grace that is in Christ Jesus. 2 And the things that you have heard from me among many witnesses, commit these to faithful men who will be able to teach others also. 3 You therefore must endure hardship as a good soldier of Jesus Christ. 4 No one engaged in warfare entangles himself with the affairs of this life, that he may please him who enlisted him as a soldier. 5 And also if anyone competes in athletics, he is not crowned unless he competes according to the rules. 6 The hardworking farmer must be first to partake of the crops. 7 Consider what I say, and may the Lord give you understanding in all things. 1. Paul's Command to Timothy •Four Generations of discipleship: Paul → Timothy → Faithful men → Others •Challenge: Is that chain continuing through us? 2. The Three Illustrations Structure each one with: •Role •What faithfulness looks like •How it connects to discipleship ⸻ A. The Soldier •Characteristics: Endurance, single focus, sacrifice •Danger of distraction: “Entangled in civilian affairs” •Application: Have we become entangled with church programming, comfort, or cultural expectations? B. The Athlete •Characteristics: Obedience to the rules, discipline, training •Application: Are we training people to obey everything Jesus commanded (Matt. 28:20), or just to attend services? The athlete doesn't win by enthusiasm alone—faithful repetition, intentional growth. C. The Farmer •Characteristics: Patience, seasonal awareness, daily labor •Application: Are we cultivating spiritual lives with care, or expecting growth without effort? Discipleship is often slow, messy, and deeply relational. ⸻ Part 3: What Is Our Church Producing? “Every system is perfectly designed to get the results it's getting.” – Classic truth. 1. Evaluate the Fruit •What is your church or small group producing? •Are people becoming: •Independent consumers of content? •Or interdependent contributors to the mission? 2. Cultural Distractions •The modern pull toward: •Safety •Security •Comfort •Convenience •Contrast with Jesus' call: •Deny yourself, take up your cross, follow Me (Mark 8:34) •Intentional sacrifice is part of the pathway to becoming a disciple. ⸻ Conclusion: Future Church Insight •Quote Will Mancini: “The American church is strong on theology, sermons, and leadership. It is weak on making disciples of Jesus who make disciples of Jesus.” 1. Summary •Making disciples must include the vision of multiplication. It is teaching people how to multiply, and giving them the encouragement and support they need to live it out. •True faithfulness means preparing others to do the work of the ministry. 2. Challenge •Evaluate your life: Who are you discipling? •Is the pathway clear, intentional, reproducible? •Are you willing to embrace sacrifice, discipline, and slow growth? ⸻ Additional Thoughts You Could Consider Including •Matthew 28:19-20: The Great Commission is not just evangelism. It's teaching people to obey — long-term transformation. Matthew 28:18 And Jesus came and spoke to them, saying, “All authority has been given to Me in heaven and on earth. 19 Go therefore and make disciples of all the nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit, 20 teaching them to observe all things that I have commanded you; and lo, I am with you always, even to the end of the age •Jesus' model: He spent 3 years with 12 men. That was His “church growth strategy.” •Barriers to Disciple-Making: •Fear of inadequacy •Busyness •Over-reliance on pastors or programs •Lack of clear models •Encouragement: You don't need to be a theologian — just be a step ahead and willing to walk with someone else. **(1:00)** Disciple making is the life-long pursuit of Jesus lived out in your relationships. We all have the ongoing responsibility to invest in the lives of those around us helping them take steps towards Jesus. For some it is the first step. For many it is the next step. Pass on what you learn and live to others who will live it out and pass it on. – “Thank you for listening today! -If you enjoyed the show you can listen to all the past shows wherever you listen to podcasts. A good place to start is at runwithhorses.net. You can also write me at norman@runwithhorses.net or leave a comment on the Run With Horses Podcast facebook page. Let the people around you know that you see them this week. Make an effort to intentionally communicate the hope that you have, and Until next time, keep your eyes on Jesus and never stop running." **(00:00)**
Dans cet épisode de Connected Mate, PPC vous propose un débrief d'une conférence du RAISE Summit 2025, avec Tao Zhang, cofondateur de Manus AI, interviewé par Henri Delahaye, coorganisateur du sommet.Tao Zhang ne cherche pas à impressionner. Il partage. Il raconte comment, chez Manus, l'IA devient stratège, comment elle surprend même ses créateurs. Il ne prophétise pas sur l'AGI – il la banalise presque, à sa façon. Il parle de ce moment fascinant où l'IA révèle des usages que nous, humains, n'imaginions pas.Henri Delahaye, en face, joue un rôle de révélateur. Il pousse Tao Zhang dans ses retranchements, fait émerger des intuitions. Résultat : une conversation rare, honnête, qui m'a personnellement fait réfléchir à la manière dont on construit aujourd'hui avec l'IA, et surtout, à comment on apprend à apprendre différemment.Un épisode pour toutes celles et ceux qui veulent comprendre, vraiment, où en est l'IA aujourd'hui.Pour suivre les actualités de ce podcast, abonnez-vous gratuitement à la newsletter écrite avec amour et garantie sans spam https://bonjourppc.substack.com Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.
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ADHD & Self-Awareness: Understanding Your Unique BrainCarmen (voice-over): Hey everyone, it's Carmen here from Authentically ADHD. Have you ever felt like you just don't know yourself? Like your brain is a mystery you can't solve? (I see your hand – yes, you too!) You're not alone. Today we're talking about ADHD and self-awareness – what that even means, why it's so tricky for us ADHDers, and how to start building trust in ourselves anyway. We'll go deep into the science, share real-life stories (hey, I'm no exception!), and even throw in a little humor – because sometimes laughing at our quirks is the best medicine.Quick overview: In this episode, I'll explain why ADHD makes self-awareness hard (from executive functions to time blindness), how that struggle feels (frustration, self-doubt, and those emotional roller coasters), and then dive into practical strategies for building self-trust and insight. I'll break it down into tips for teens and adults, since our brains and lives can be a bit different. Ready? Let's go!Why ADHD Brains Struggle with Self-AwarenessFirst, let's define what we mean by self-awareness. Simply put, it's your ability to self-reflect, self-evaluate, and think about your own thinking. Think of it as the “brain's mirror” – it lets you see your behaviors, emotions, and thoughts clearly, and learn from them. In psychology terms, it's often called metacognition. Researchers note that self-awareness is a key executive function – basically one of our brain's management skills. Unfortunately, ADHD often comes with executive function challenges, and yes, self-awareness is one of those tricky pieces.Dr. Russell Barkley, a leading ADHD researcher, actually puts it bluntly: ADHD is a disorder of self-regulation. We struggle to “adult” not because we're lazy or bad, but because the brain skills that manage ourselves were delayed or impaired. In fact, Barkley's team points out that ADHD involves deficits in things like self-restraint, self-awareness, self-control of emotion, and self-motivation. In other words, our internal “boss” is weaker. Kristen Carder – another expert and host of the I Have ADHD podcast – explains it simply: “ADHD is a disorder of self-regulation… we struggle to focus because our executive functions are deficient, and we can't regulate ourselves properly.”.Let's break down the key brain reasons behind this:Deficient Executive Functions (EFs): Executive functions are like the brain's CEO, planning tasks and managing actions. In ADHD, these are on the lower side. One of the six main EFs is exactly self-awareness (along with inhibition, working memory, etc.). Because ADHDers often have impaired EFs, our ability to notice and reflect on ourselves is less mature. Barkley even describes ADHD as a sort of “self-regulation deficit disorder,” meaning most EF skills are lagging. This isn't your fault – it's how the ADHD brain developed.Weak Working Memory: Working memory is your mental scratchpad – it holds pieces of information so you can use them in the moment. With ADHD, working memory (especially visual/spatial memory) often underperforms. Kristen Carder highlights this: our working memory should help us understand where we are in time and space, but ADHD brains tend to live too much in the “right now”. We literally forget what just happened or where we put things in seconds! This weak working memory means we struggle to recall past actions or project future consequences – both of which are vital for self-awareness.Time Blindness: Related to working memory is a phenomenon you've probably heard: time blindness. Dr. Barkley calls ADHD a “nearsightedness to the future.” He explains that people with ADHD are great at the “now,” but tend to lose track of time and future planning. On a practical level, this means deadlines sneak up on us, and we hyperfocus on immediate tasks without realizing how long they take. As one occupational therapist blog put it, ADHD time blindness is a “consistent inability to stay aware of time and consider the future in the present moment”. If you feel like hours can vanish in a blink – like you just started watching Netflix and suddenly it's midnight – that's the classic ADHD time warp. Without a good sense of past vs. future, it's tough to reflect on what really happened or plan for what will happen, hurting our self-awareness.Emotional & Cognitive Overload: Let's not forget emotional regulation, a cousin to self-awareness. ADHD often comes with intense emotions. A study describes ADHDers having overactive amygdalas (emotion centers) and underactive frontal cortex (self-control center). The result? We feel things more strongly and have a harder time stepping back. When an emotional wave hits, self-reflection goes out the window. (Ever snapped at a loved one then immediately felt guilty but couldn't explain why? Welcome to ADHD emotions.) When our emotions are surging and our working memory is full of racing thoughts, self-monitoring simply doesn't happen. It's like trying to inspect your car while it's driving 100 mph – hard to do!To sum up: Our ADHD brains often have weaker mental checking-stations. We're built to do (and do lots of things at once!), but not naturally built to watch ourselves doing it. This combination of EF deficits, fuzzy time perception, and big feelings makes self-awareness elusive. It's not a character flaw – it's brain wiring. And understanding this fact can be a huge relief. As Kristen Carder gently reminds us, “It's not because you're lazy or dumb, it's because your executive function skills are deficient.”When Self-Awareness Lags: Frustration and Self-DoubtBecause of these brain differences, not being very self-aware in ADHD can lead to some painful and confusing feelings. Let's be real: it's frustrating. You make the same mistakes over and over (feeding the dog after work instead of before, again!), and you can't put your finger on why. Kristen Carder admits that “making the same mistakes over and over… is in part because of lack of self-awareness”. You might constantly feel, “Why do I keep doing this?” and blame yourself for “not paying attention” or being “careless.”This frustration often spirals into self-doubt. If you're always confused about how you ended up here, it's easy to start thinking there's something wrong with you. People with ADHD commonly internalize shame. Maybe your teacher said you were lazy, or your boss has yelled “just focus!” one too many times. Dr. Saline notes that ADHDers often have more self-criticism and have to work extra hard to develop metacognition. If you've tried and failed at organizing or remembering, you may feel like you should know better – even though, neuro-scientifically, your brain literally struggles in those areas.Worse, poor self-awareness can feed into emotional turmoil. The Verywell Mind article on ADHD emotional dysregulation points out that intense emotions and ADHD create “self-doubt and uncertainty surrounding your feelings.” Imagine overreacting to something small (a spilled coffee feels like the end of the world) and afterward thinking “Am I crazy? Why do I feel this strongly? Am I making too much out of nothing?” Your brain's amygdala fires off a storm, and then your frontal lobe struggles to calm it. All this leads to a painful cycle: you feel overwhelmed, regret your reaction, then start doubting if your emotions were valid at all.On the flip side, others see you acting impulsive or scattered and often misinterpret you. They might label you “irresponsible” or “unmotivated,” which hurts. For example, in school a student with ADHD might frequently miss deadlines or seem to procrastinate, not because they don't care, but because “they have difficulty estimating how much time has passed or how long a task will take”. Teachers sometimes think that's willful misbehavior, not realizing it's our brains. Or maybe friends get annoyed because you interrupt conversations (you had about a million ideas to share, didn't you?), or your partner thinks you're aloof when really you're just lost in thought. The gap between the internal experience (“I'm overwhelmed and panicked!”) and the external behavior (“She doesn't care”) is real, and that gap fuels frustration.In short, struggling with self-awareness often looks like: repeating mistakes, feeling confused and anxious about your own actions, and battling guilt or self-criticism when others misread your ADHD traits. It's emotionally draining. But here's the hopeful flip side: knowing the “why” can help you reframe these feelings. When you realize it's ADHD wiring, you can start treating yourself with compassion instead of blame. Recognizing that your brain is just wired differently – not “wrong” – is the first big step to building trust in yourself.AD BREAKInside vs. Outside: Living with ADHD from Both SidesLet's take a quick look at that inside/outside story. Internally, ADHD brains are a whirlwind of thoughts, feelings, and ideas. Externally, people might see the aftermath and misunderstand it. Some examples:Inside (Internal Experience): You're juggling thoughts about work deadlines, why your crush hasn't texted back, the groceries you forgot, and that song stuck in your head. You feel an urge to do something about something but aren't sure what. Maybe an emotion flares – frustration, excitement, anxiety – and your body reacts (heart races, hands fidget). Time feels like fluid: one minute into an activity, 5 minutes have passed; five minutes later, 2 hours have gone by. You might think, “I know I had an important task – what happened to that?!” or “I had a burst of creativity at 3 am – why couldn't I use that during the day?”Outside (Behavior Others See): From the outside, that might look like you spaced out during a meeting, then suddenly snapped at a coworker. Or you were hyper-focused on organizing your bookshelves, only to snap back when someone asked where your homework is. Friends might say, “She was so quiet earlier, now she's yelling about nothing” or “He started cleaning the house at 2 a.m. again!” Partners might feel like they live with someone who's unpredictable – one moment “present,” the next moment distant or distracted. Teachers sometimes see kids with ADHD as unruly or lazy: a student might rush through a test carelessly because they felt they needed to finish fast, and the teacher hears “she didn't do her work carefully.”This mismatch can be heartbreaking. People might not realize that inside your head, you were frantically trying to tie clues together or waiting for your brain to slow down. Kristen Carder reminds us: self-awareness is uncomfortable for ADHDers – it “might bring up a lot of shame and guilt”. It's understandable – we often feel like we should be better, and when we aren't, it stings.Remember, though: the gap isn't your fault, it's the ADHD wiring. Educational research shows that behaviors we label as “misbehavior” (like missing deadlines or rushing through work) are actually symptoms of impaired time-processing in ADHD. The good news is, once we understand this gap, we can start bridging it with communication and strategies (more on that next). For now, know that you're not alone in feeling misunderstood, and it doesn't mean something is wrong with you. Your brain is doing its best with the tools it's given.ADSPractical Strategies: Building Self-Trust and AwarenessOkay, let's get practical. How do we strengthen that elusive self-awareness muscle and learn to trust our ADHD brains? We'll tackle this in two parts: tips for teens and tips for adults. (If you're a teen, skip to the teen section; if you're an adult, flip to the adult section.)For Teens with ADHDAs a teenager, life is hectic for anyone, and ADHD adds its own roller coaster. Many of you might feel like nobody gets how chaotic it is. Here are some tips:Keep a daily “self-check” routine. Set a reminder on your phone or watch. Twice a day (maybe mid-school and after school), take a minute: How am I feeling right now? What have I been doing? Even just a quick note (writing, texting to yourself, or voice memo) can anchor you to the present. One idea: use emojis in your calendar to rate your mood or energy. This builds metacognition. For example, put a
Pastor Adrian Rogers looks at the story of Hannah, mother to the prophet Samuel, and shares five powerful principles for raising godly children. To support this ministry financially, visit: https://www.oneplace.com/donate/135/29
K.A. Owens interviews local Community Activist Tom Ridge. They discuss The Rent Relief Act, The Raise The Wage Act, Political Education and Closing The Deal. Recorded Friday July 25, 2025, 2PM.
In this episode we talk about strategic financing options. There are a lot of ways to raise money for your startup, and corporate investors (strategics) can be a good option. Are they right for you? What are the pros and cons of strategic investment? We are here to help! In this episode we answer questions including:Should you raise money from a competitor?What about raising from your customers?Are government grants a good idea?All of these questions were submitted by listeners just like you. You can submit questions for us to answer on our website TheStartupHelpdesk.com or on X/Twitter @thestartuphd - we'd love to hear from you!Your hosts:Sean Byrnes: General Partner, Near Horizon www.nearhorizon.vcAsh Rust: Managing Partner, Sterling Road www.sterlingroad.comNic Meliones: CEO, Navi www.heynavi.comReminder: this is not legal advice or investment advice.Q1: Should you raise money from a competitor?Sounds risky, huh? Your instinct is probably right—this is a red flag! Conduct a principled evaluation. Recognize the opportunity while weighing strategic upside versus structural risk.Here's the key: your competitors' motivation to invest in you is likely not aligned with your needs. They are not loyal to you, thus there are other incentives guiding their interest in investing. There are potential espionage risks and conflicting incentives that can cause significant issues later, especially if your startup becomes big.The good news: you can say "no!" Competitor interest is a signal. If competitors want in, perhaps other better-suited investors will too.Q2: What about raising from your customers?Customer interest is validating, but tread carefully. Customer investors are risky. Information rights can severely hurt your negotiating position. Furthermore, if your customer-turned-investor churns, that can significantly hurt your market credibility.Delay such conversations until later in the round. If you decide to raise capital from your customers, structure the investments thoughtfully, possibly through RUVs or uncapped terms. Clearly define boundaries to help manage risks while preserving relationships.Q3: Are government grants a good idea?Grants are not fundraising red flags. In fact, securing a grant can often signal market validation. Investors love dilution-free capital. However...while dilution-free capital is attractive, beware of grants that work outside your strategic roadmap. This can become a distraction. While grants demonstrate external demand, their slow processes can divert focus from iterating on core product-market fit milestones. Grants are strategically advantageous only if they accelerate your core objectives rather than redirect them.So, ask yourself: "Does the grant move us forward on our roadmap? Or does it give us a new roadmap?"Your answer to that question gives you all the clarity you need.
Members of the Young Adults Choir from the Filipino Chaplaincy Diocese of Parramatta are coming together for more than just music—they're singing for a cause. - Magsasama-sama ang mga miyembro ng Young Adults Choir mula sa Filipino Chaplaincy Diocese of Parramatta nang higit pa sa musika—sila'y aawit para sa isang mabuting hangarin.
Some Granite Staters are raising concerns about how ICE agents are operating in their communities. The concerns follow apparent detentions of people in Manchester and Portsmouth this month. A video circulating this week shows a man being arrested outside a Manchester courthouse this week, and in Portsmouth, four restaurant workers were detained by ICE agents earlier this month. A new person will soon be deciding the settlement awards given to alleged victims of abuse at the state's youth detention facility. Current state settlement administrator John Broderick recently announced he'll be leaving the job. We discuss these stories and more on this week's edition of the New Hampshire News Recap with NHPR's Lau Guzmán and the Boston Globe's Amanda Gokee.
2 cases of measles in children under 5 confirmed by Tulare County health officials Please Subscribe + Rate & Review Philip Teresi on KMJ wherever you listen! --- KMJ’s Philip Teresi is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi, Weekdays 2-6 PM Pacific News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.
Welcome to the Raise The Apple Podcast! Join us every week here we talk about your New York Mets and the rest of Major League Baseball. Sit back, relax, and enjoy the show! Oh, and one more thing, LET'S GO METS! GFuel Ambassador || Use code "zachnau1'
Pastor Adrian Rogers looks at the story of Hannah, mother to the prophet Samuel, and shares five powerful principles for raising godly children. To support this ministry financially, visit: https://www.oneplace.com/donate/135/29
In episode 2 of the Negotiate X in Rewind series, Nolan and Aram explore how to negotiate a raise like a pro through real-world stories and practical strategies. They discuss the importance of building strong relationships, understanding mutual interests, and communicating transparently. Listeners learn why negotiation is not always necessary, how to assess their true value, and what creative solutions employers can offer when budgets are tight. Whether you are seeking a raise or managing compensation, this episode provides clear, actionable advice to help you approach salary conversations confidently, purposefully, and professionally.
This week the team reacts to the ministry of Flipt, our yearly junior high missions camp. We testify to what we've seen, and talk about what it means for us as a church. Then, Ryan asks Chris and Kimberly about raising kids to love Jesus! If you have any comments, reach out to Ryan.stueckemann@kingwoodmethodist.org If you prefer to listen, stream, and/or watch, join us and subscribe on Youtube: https://www.youtube.com/@kingwoodmethodist
DroneDogs can be sent to places unsafe for humans or real dogs and can do tasks like dangerous chemical detection. In other news, less than a week after becoming Europe's latest unicorn, Swedish vibe coding startup Lovable has now crossed the $100 million annual recurring revenue mark. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Karun Kaushik and Selin Kocalar weren't planning to raise a Series A so soon. Their AI compliance startup, Delve, which announced a $3 million seed round in January, was growing fast and signing customers at a steady clip. Learn more about your ad choices. Visit podcastchoices.com/adchoices
How To Position Your Bridge Raise Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. In raising funding, bridge rounds fill the gap between the stage raises. Startups use bridge raises for many reasons, such as preparing for the next round, increasing the runway, or covering a gap left by an unexpected event. It's best to position the fundraiser as a positive. Show how the startup is doing well and is on track with the plan. Position the bridge round as an opportunity to gain an even stronger position. It could also be used in pursuit of an unexpected strategic opportunity that recently came up. Avoid positioning it as a remedy for bad planning or missed forecasts. The worst reason of all is the “we've run out of money”. This shows a lack of planning and poor management of resources. Investors will look at the cash runway of the company before investing. If there's less than four months of runway, they will often assume poor management to be the cause. Make sure you launch a bridge raise in advance of a cash crunch situation. In raising a bridge round, showcase the progress made with the previous investment. Pursue investors who have made an initial investment but have not yet made a follow-up investment. Consider these steps in positioning your bridge round. Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _________________________________________________________ For more episodes from Investor Connect, please visit the site at: Check out our other podcasts here: For Investors check out: For Startups check out: For eGuides check out: For upcoming Events, check out For Feedback please contact info@tencapital.group Please , share, and leave a review. Music courtesy of .
Tim Curtis’s latest book, Building Resilient Kids tackles the challenges of raising children in the age of constant digital distraction. Ross and Shaun have plenty of question about being present with your kids, the “everyone’s a winner” culture, and how to truly connect with them in today’s fast-paced world.See omnystudio.com/listener for privacy information.
Discover what does it take to grow from humble beginnings to over $260 million in real estate acquisitions and more than $150 million in capital raised. In this powerhouse episode, Tom Berry pulls back the curtain on his journey—starting with nothing and scaling into a diversified portfolio spanning single-family homes, multifamily, office, retail, and note investing. He shares the real-world lessons from decades in the trenches, the strategy behind his pivot into commercial assets, and why mindset is your greatest asset as an investor. If you're serious about wealth-building, this is an episode you can't afford to skip.5 Key Takeaways from the Episode:Start Where You Are – Tom began with no capital and no connections, proving resourcefulness matters more than resources.Pivots Are Powerful – His transition from single-family to commercial assets like shopping centers and notes multiplied his portfolio's value.Mindset Over Mechanics – Success wasn't just about numbers—it was about shifting his beliefs and habits to match his goals.Raise the Right Way – Tom breaks down how he raised over $150M ethically, legally, and with integrity—no gimmicks.Diversify with Intention – Real wealth, according to Tom, comes from smart, diversified investments backed by deep due diligence and education.About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai
Rick Mayo and Matt Helland break down how to confidently increase your membership rates without losing your sanity or your client base.With decades of experience in the fitness business, Rick and Matt discuss Alloy's tested strategy for rolling out rate hikes in a way that boosts both your margins and your team's confidence.They start with raising rates for new members to build proof, then walk through how to approach existing clients with personal conversations rooted in value.They explore the psychology of price increases, including how mindset, especially among your team, can make or break your rollout. They also offer tactics to prevent messy pricing tiers and ensure consistency across your business.Thinking about upgrading your gym or your staff pay? This episode covers how to align that with your rate increase strategy. Don't miss these actionable tips from leaders who've done it all.Listen now and take control of your pricing with confidence.Key TakeawaysIntro (00:00)Raise prices first for new clients (02:04)Use one-on-one meetings for existing clients (06:02)Prepare team mindset for difficult conversations (11:29)Communicate clearly and frequently with the team (12:24)Address “selling from your wallet” mindset (16:49)Avoid messy pricing tiers (21:22)Clients who balk likely were already on the fence (26:18)Use increases as a business health check (27:23)Additional Resources:- Alloy Personal Training- Learn About The Alloy Franchise Opportunity---------You can find the podcast on Apple, Google, Spotify, Stitcher, or wherever you listen to podcasts.If you haven't already, please rate and review the podcast on Apple Podcasts!
In this episode, I'm speaking directly to the Kingdom Creatives; you know who you are. If you feel that fire in your bones to speak, build, write, or launch something for the Kingdom, this one's for you. We're diving deep into the journey of what I call the Roaring Bride, those of us being refined in hiddenness, shaped in the wilderness, and prepared for something greater than comfort or applause. If you've been asking, “Why am I still in this hard season?” let me remind you: the wilderness isn't punishment. It's preparation. I'll walk you through what it really looks like to submit to the process, lean into intimacy with the Lord, and discover your true roar, the one that doesn't come from striving, but from abiding. If you're ready to launch your podcast, monetize your message, and fund the ministry God has called you to roar—join us at resistandroar.com. Raise your roar, let's create and build together! Chapters 00:00 Introduction to Kingdom Creatives 00:53 The Roaring Bride: Hidden and Refined 03:20 The Call of the Wilderness 07:08 The Importance of Community and Fellowship 08:18 The True Roar vs. False Confidence 16:30 The Woman in Revelation 12 24:30 The Process of Hiddenness and Forging 27:11 The Fire Within: Embracing the Wilderness 30:01 The Wilderness Season: A Time of Preparation 31:36 The Roar of the Bride: Emerging from Hiddenness 33:33 The Process of Dying to Self 34:47 Remaining in the Fire: Lessons from Shadrach, Meshach, and Abednego 37:34 God's Protection in Our Waiting 39:38 The Anointing Oil of the Holy Spirit 41:12 Emerging from the Wilderness: The Roaring Bride 41:41 Intimacy with a Powerful God 47:06 The Transformation of Desires in the Wilderness 49:49 The Roaring Bride: Carrying His Glory 54:38 Encouragement for the Waiting Season 55:56 Outro VIDEO podcast (1).mp4
Revitalization Rewards found in this episode:1. Evaluate the property for potential. 2. Enhance what you have for what could be in the future.3. Engineering a comeback from creative solutions. a. Raise awareness b. Raise funds c. Begin to tackle tasks d. Complete the plan e. Celebrate
PREVIEW: UK TAXES Colleague Joseph Sternberg comments on the Labour government's plan to raise taxes, including a tax on pensions—living or not. [MORE] 1653 REGICIDE
China has now supercharged its EV industry. Nokia cuts its outlook due to tariff and currency concerns. Ariana Aspuru hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices
What does “boys will be boys” really mean—and why does it get under so many parents’ skin? In this powerful episode, we dive into the final challenge of Parental Guidance and unpack the loaded stereotypes around masculinity, parenting roles, and what it means to raise emotionally healthy boys in today’s world. From baby dolls to rough-and-tumble play, the conversation gets real about how we guide our sons—and what we might be getting wrong. KEY POINTS: Why the phrase “boys will be boys” is not an excuse for bad behaviour How TV moments can misrepresent real-life parenting and child behaviour The critical role fathers can and should play in early parenting Gender roles, cultural expectations, and the policing of boys’ behaviour The concept of “surplus value” and helping boys become safe, strong contributors The challenge of letting boys be expressive without fear of being labelled or shamed Encouraging healthy masculinity without shaming traditional male traits QUOTE OF THE EPISODE: “Boys will be boys is never an acceptable excuse when a boy is making others feel unsafe or weaker. Healthy masculinity is about being a bonus — adding value and helping people feel safer and stronger." — Justin Coulson RESOURCES MENTIONED: Parental Guidance Season 3, Episode 4 (available to stream on 9Now) Richard Reeves – Of Boys and Men Upcoming book on raising boys by Dr Justin Coulson ACTION STEPS FOR PARENTS: Challenge the stereotype: Avoid using phrases like “boys will be boys” to excuse disrespectful or rough behaviour. Involve dads early: Regardless of breastfeeding or work roles, dads can actively participate in everything from settling babies to managing household chaos. Nurture competence: Support your partner’s (and your child’s) parenting confidence—especially when they feel unsure. Talk about gender norms: With both sons and daughters, talk openly about gender expectations, and give them permission to break the mould. Model and celebrate healthy masculinity: Encourage boys to add value to others' lives, and help them develop emotional literacy without forcing them to fit a mould. See omnystudio.com/listener for privacy information.
Gavin Ortlund discusses whether it is acceptable to depict Christ visually, looking at new A.I. videos of Christ as one recent example.Truth Unites (https://truthunites.org) exists to promote gospel assurance through theological depth. Gavin Ortlund (PhD, Fuller Theological Seminary) is President of Truth Unites, Visiting Professor of Historical Theology at Phoenix Seminary, and Theologian-in-Residence at Immanuel Nashville.SUPPORT:Tax Deductible Support: https://truthunites.org/donate/Patreon: https://www.patreon.com/truthunitesFOLLOW:Website: https://truthunites.org/Instagram: https://www.instagram.com/truth.unites/X: https://x.com/gavinortlundFacebook: https://www.facebook.com/TruthUnitesPage/
If you're walking investors through your pitch deck slide-by-slide. Hiding the biggest risk in your business until the very end or treating meetings like job interviews, you're making the same mistakes that keep founders stuck in the endless cycle of “we'll pass for now.” Fundraising isn't just about your traction or your vision. It's about breaking the pattern-recognition bias VCs use to filter out anything that doesn't look like their last big win. If you want to raise serious capital, you have to show them why you're the outlier worth betting on. Alexander Wulff has raised over $20 million (including an $8 million seed round) by doing the opposite of what founders are usually told. Today, he's building Nume, an AI CFO built to replace the spreadsheet chaos founders like you deal with every week. Why do we need to work hard for warm intros? Does presenting our pitch deck actually work against us? In this episode, Alexander shares what actually works when you're raising capital, especially when your model doesn't fit the mold. You'll learn how to lead with your biggest risk (instead of trying to hide it), and how to reframe the pitch deck as a teaser. Topics Covered; How Alexander raised $20M+, including an $8M seed round The “tech plus service” strategy that scared off most VCs What 100+ failed VC pitches taught him about objection-handling Why cold outreach almost never works (and how to get warm intros fast) How to structure a pitch that starts with your biggest risk Why “average energy” founders rarely win VC money Why passion, performance, and “controlled craziness” matter more than polish Smart ways to use AI to make financial ops proactive, accurate, and founder-friendly Guest Bio Alexander Wulff is the co-founder and CEO of ScaleUp Finance, which began as a CFO-as-a-Service platform combining technology and human expertise to help startups manage their financial operations. Today, that vision has evolved into Nume—the world's first true AI CFO, built to eliminate the spreadsheet chaos and reactive reporting that holds founders back. Alexander's entrepreneurial journey started early. He published a bestselling book at just 19 and launched his first venture at 20, turning dormant university-held patents into a funded startup. His experience spans fundraising, fintech innovation, and scaling high-growth companies, and he brings a unique mix of operational insight and bold, contrarian thinking to everything he builds. Visit https://www.scaleup.finance/ to learn more and connect with Alex on LinkedIn. About Your Host Jayla Siciliano, Shark Tank entrepreneur turned real estate investor, excels in building brands, teams, and products. CEO of a bi-coastal luxury short-term rental company, she also hosts the Seed Money Podcast, where she's on a mission to help early-stage entrepreneurs turn their ideas into reality! Connect: Website: https://seedmoneypodcast.com/ Instagram: https://www.instagram.com/jaylasiciliano/ Subscribe and watch on YouTube https://www.youtube.com/@seedmoneypodcast/
In this episode of The Inspire Podcast, Bart welcomes Vanessa Bragg, Leadership Coach and consultant at The Humphrey Group to talk about why and how you should be a people centric leader. Vanessa shares the story of her own career transformation and the profound impact that people-focused leadership has had on her growth. She unpacks what it means to be a people-centric leader, why this mindset is more essential than ever, and how you can begin to model this approach in your own leadership. From shifting your style from telling to coaching, to showing up with authentic presence and using language that draws out the best in others, Vanessa offers both heartfelt insights and practical strategies. Her stories, examples, and actionable tools will inspire you to connect more deeply with your team, foster meaningful engagement, and drive results through human-centered leadership. Show Notes 00:25 Show intro 00:59 Introducing Vanessa Bragg 01:14 Bart runs through Vanessa's background 01:55 Introducing people-centric leadership 02:36 How Vanessa started her career 03:58 Most rapid growth with that leader 04:58 She wasn't a problem solver, she always asked me what I recommended 05:45 How did that people-centricity shape your own philosophy? 06:39 She never was the answer person 08:17 What are the challenges with people-centred approach 09:52 Even though I'm a coach I have my eye on strategy 10:33 Top-down vs people-centric leadership differences 11:00 Leaders who are lower in self-awareness are harder to shift 12:45 How much does the org affect the culture? 13:04 It has to come from the top 13:36 Buy-in from execs freed up the other leaders 14:24 In all the orgs I worked in the CSuite makes a huge difference to culture 15:27 How can leaders be present? 16:55 Connection before content 18:19 Use the language of leadership 21:06 Example of a leader who was using the wrong language 22:17 She wasn't an unkind person 23:21 Raise that self-awareness 23:39 Intent and impact 24:13 Being people-focused does not mean losing track of business goals 24:42 What does it mean to "Communicate like a Coach"? 30:09 Where can people find out more? 30:47 Outro
Send us a textIt's the end of Christian AF… for now. And possibly the most on-brand way to wrap it all up.After years of beers, Bible hot takes, snarky one-liners, and genuinely vulnerable faith convos, Jesse, Jen, and Evan sit down one last time (for now) to say goodbye. Or at least… hit pause.We talk about:Why we started this thing in the first placeWhat we learned from showing up (even when we didn't want to)The beauty and chaos of faith that doesn't have all the answersAnd what might come next (spoiler: who knows?)There's also a brief return to Evan's “burn it all down” phase, a wholesome moment with the words of listeners, and—naturally—shots poured out for heresies past.This isn't a sad farewell. It's a hell yes, we did that moment.So grab a drink. Raise a glass. And thank you for listening. We couldn't have done it without you.
Part 1 of Our Personal Work with Rhonda The doctor said I have cancer! Are feelings of depression, fear, anger, hopelessness, and more inevitable if you have experienced a severely traumatic event? Nearly all human beings would say it IS inevitable. But are they right? If your doctor just told you that you have a serious form of cancer, is it possible--or even desirable--to avoid intense distress and despair? Today, Matthew May MD and I sit down with our beloved Rhonda who was diagnosed roughly six weeks ago with a cancerous follicular lymphoma. This is a type of lymphatic cancer that allows for a reasonably long life expectancy, but is almost universally fatal. With one exception—if you find and treat it super early. And that is where Rhonda finds herself. And today, she received her (hopefully) 12th and final radiation treatment to her neck, right under her right ear. She was told that the probability of a cure is 95%, but the effects, including painful side effects, of the radiation would be cumulative and increasing for a while after the series of treatments has been concluded. And she IS in considerable discomvort. Which was good news, great news, actually, for all of us! Still, it's been a rocky and highly emotional road for Rhonda. So Matt and I sat down with her early this morning to see if we, with the help of TEAM CBT, might be able to bring her some accurate empathy and comfort. In the session, Matt and I went through the T E A M sequence with Rhonda. T = Testing You can see Rhonda's initial Brief Mood Survey if you CLICK HERE As you can see from her Brief Mood Survey, which was completed before the session began, she was only mildly elevated in depression, anxiety, and anger, but her positive feelings of happiness were very low (only 8 our of 20, with 0 being not happiness at all in any category and 20 being the highest possible happiness. in all categories.) E = Empathy However, as Matt and I empathized with Rhonda, we reviewed her partially completed Daily Mood Log, which you can see if you CLICK HERE This tool painted a radically different picture. Rhonda's scores in nearly all categories were extremely elevated, indicating about the most intense feelings of depression, anxiety, guilt, shame, inadequacy, hopelessness, frustration, anger, and shock, as you can imagine. She was also moderately self-conscious and embarrassed. Four radically important question came to mind: What was causing these intensely negative and almost unbearable feelings? Is there any realistic hope of reducing them during today's session? And if you did want to "help," how in the world would you attempt to do this? And how much "help" could you realistically hope for? If you're serious about these topics, I would strongly recommend that you take a piece of paper and jot down your answers to these questions right now, before you listen to the rest of session. Then, after you listen to the conclusion next week, you can compare what happened with your own ideas about the situation. , During the empathy phase, Matt and I used the Five Secrets of Effective Communication to understand exactly how Rhonda was think, and how she was really feeling inside. We also did a What-If / Downward Arrow Technique to find out what she was the most afraid of. If you haven't already listened to that portion of our work with her. What do you think she was most afraid of in having cancer? And why, do you suppose, she was feeling so guilty? And so angry? We also explored the impact of the side effects of the radiation therapy, and the impact of the cancer on her personal and family relationships, the errors others made in trying to "help" when she was feeling down, and her fears of the future. At the end of the empathy phase, we asked Rhonda to grade us in three categories: How well did David and Matt understand your thoughts? How well did David and Matt understand how you were feeling inside? How well did David and Matt so in creating an atmosphere of trust, warmth, and acceptance? If you're a mental health professional and you do psychotherapy, I have another question for you before we continue: What % of your patients do you ask these three questions part way through your sessions? Raise your hand if the answer is "most, if not all, of my sessions." Yikes! I don't see many hands going up! I don't want to upset you, and you may not take me seriously, but you might be missing the boat! At any rate, Rhonda gave us a triple A +. That's definitely a passing grade, and she gave us the green light to go on to the final two steps of the TEAM session(/the A and the M steps), which you'll hear in their entirety on our very next podcast! Thanks for listening today! And make sure you tune in next week for the awesome conclusion of our work with our beloved Rhonda! Rhonda, Matt, and David
Connor Boyack, creator of the wildly popular Tuttle Twins series, joins The Free Thought Project Podcast this week for an expansive, energizing conversation on liberty-based education, parenting in the surveillance age, and how to raise young minds that can think critically in a world full of propaganda. Inspired by the Ron Paul revolution, Connor shares the origin story of Tuttle Twins, a project that started with a simple idea: give kids the tools to understand freedom, economics, and government power before the system conditions them otherwise. Since then, his books have sold millions of copies, been translated around the globe, and adapted into an animated series now being aired by governments and networks worldwide. Connor walks us through the thinking behind these projects and how he balances complex political and economic themes with fun, engaging storytelling that kids actually want to read. We discuss titles like The Creature from Jekyll Island and The Fate of the Future, and ask Connor which books he thinks have been the most impactful—and why. Then the conversation shifts to today's battleground: the digital domain. We ask how parents can protect their children's minds and privacy as they're increasingly targeted by algorithmic dopamine loops, doomscrolling, and even AI tools marketed as “friends” or “therapists.” We also explore the darker realities of flock cameras, Palantir data fusion hubs, and the emerging technocratic surveillance grid—and what it all means for the next generation. Finally, we close with our signature “white pill” segment, where Connor offers one of the most grounded and hopeful answers we've heard yet: that connection—with our kids, at the dinner table, in real conversation, is the antidote to indoctrination. This episode is a must-listen for anyone who cares about the future of liberty, parenting, or resisting the growing mental control matrix of the modern world. (Length: 57:29) Jason's 'Know Your Right's 1-Hour Online Seminar: https://www.jasonbassler.com/book-online Donate/Subscribe to TFTP: https://tftpsubdomain.wpengine.com/tftp-membership/ TuttleTwins.com: https://tuttletwins.com/ Connor Boyack on X: https://x.com/cboyack Tuttle Twins on X: https://x.com/tuttletwins
⚙️ Replace 10 tools. Raise millions. Scale on autopilot. This system does it all. Vinney Chopra and Beau Eckstein share how Go High Level became their business backbone—replacing platforms like Kajabi, ClickFunnels, WordPress, and more. Vinney walks through how $700K was raised just from social media and follow-ups—all automated, all while he slept. Talk about ROI and ROT (Return on Time)!