Podcasts about Ray J

Tarik Skubal is a LA Dodger, Eli Zaret joins us, Martha Reeves worst National Anthem ever, RIP Big Pussy, Dirty Gary's Scatpodcast, Idaho Murders on Netflix, Jared Leto untouchable, Chelsea Handler v. Joe Rogan's money, and Maz quits baseball. Jim Bentley is waiting until tomorrow to learn if he is the big bobblehead winner. He visited the bank of Drew Lane on a Sunday. Tom Mazawey is DONE with baseball. Eli Zaret joins us to break down the massive Tarik Skubal trade that gets the Detroit Tigers some "prospects", Max Clark's debut, the LA Dodgers ridiculous lineup, the Detroit Lions back in camp, Bryce Underwood's goals remain the same, WNBA controversy 1, WNBA controversy 2, CBS puts Tony Romo 'on leave', Leticia James vs prediction markets, Bill Belichick left North Carolina in great hands with Michael Lombardi, praise Tommy Hearns and more. Trudi's nemesis, Martha Reeves, performed the worst National Anthem of all-time at the newly formed Women's Pro Baseball League. Drew is getting hurt by YouTube comments. Karl and WATP go all in on a scat podcast. Gross! We are reminded of Reverend 'poo poo'. RIP Big Pussy. Some chick named Nancy Guthrie is dead. Never heard of her. 9/11 families do not want NYC Mayor Zohran Mamdani at an upcoming memorial. Dr. Anthony Fauci doesn't want to talk to congress about COVID-19 anymore. His diary has been leaked. Britney Spears continues to spark concern. Clavicular was under citizen's arrest. Austin Franco will not work for Jewish people. He has a fundraiser to earn money for getting kicked out of his home by his parents. A new woman has come forward to spill on the inappropriate behavior of Jared Leto. Marc saw The Odyssey and claims it is better than the book. BranDon saw Toy Story 5 and praises The Odyssey's sound. Trudi watched the eBay documentary and Drew is so happy he has somebody to talk to about it. Chelsea Handler is really mad that Joe Rogan made $82M last year. Ray J and his black heart are dying ASAP. North West has canceled her tour after poor ticket sales. Womp womp. The family of Nolan Wells can't wait to sue for big $$$. University of Wyoming punter, Bart Edmiston, is dragged into the case and suing influencers. Don Lemon is adding to the race-baiting. Nolan Wells friends are popping off but his family doesn't want to hear it. Ben Crump explains to the world that white people are looking to murder Black kids. The Idaho Murders: College Nightmare is out on Netflix. Bryan Kohberger is a loser and his family is prone to heavy ear wax. Merch is available if you want to rep the show. Word of mouth, brah. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (Drew Lane, Marc Fellhauer, Trudi Daniels, Jim Bentley, BranDon, and Roberto).

With Josh Tomolak, Vice President of Independent Advisor Services, Diamond Consultants Louis Diamond and Josh Tomolak unpack today's IBD vs. RIA landscape, explaining what has changed, where each model excels, and how to determine which path best supports the business you want to build. In Summary The independent wealth management landscape has changed dramatically, making the decision between an independent broker dealer (IBD) and an RIA more nuanced than ever before. Louis Diamond welcomes Diamond Consultants' Vice President of Independent Advisor Services, Josh Tomolak, for a practical discussion of how the independent space has evolved, what truly differentiates the IBD and RIA models today, and how advisors can evaluate which path best aligns with the business they want to build. The Storyline Not long ago, the decision to become independent was relatively straightforward. Advisors either remained with a traditional firm or pursued independence through one of a limited number of models. Today, the conversation is far more complex. Independent broker dealers have significantly expanded their capabilities, offering stronger technology, larger transition packages, greater flexibility, and even pathways to RIA ownership. At the same time, the RIA ecosystem has matured into a sophisticated marketplace supported by multiple custodians, outsourced service providers, institutional capital, and enterprise platforms that rival many of the industry's largest firms. As these developments have unfolded, the traditional distinctions between an IBD and an RIA have become less obvious. Advisors evaluating their options are no longer simply asking whether they should become independent—they're asking which model best supports the clients they serve, the business they envision, and the lifestyle they want to create. In this Industry Update, Louis and Josh unpack the realities behind the IBD vs. RIA decision. They discuss where the two models overlap, where meaningful differences still exist, and why factors like service, technology, economics, operational responsibility, enterprise value, and long-term optionality often matter more than labels alone. Whether you're considering changing independent firms, launching your own RIA, or simply want a better understanding of how the independent landscape has evolved, this conversation provides an objective framework for evaluating today's choices—and preparing for tomorrow's opportunities. Topics Covered Independent Broker Dealer (IBD) vs. RIA models The evolution of supportive independence Technology investments across the independent space Transition support and advisor mobility Capital solutions and recruiting economics Business formation and enterprise value Launching an independent RIA Multi-custodial platforms and open architecture Minority investments and succession planning Future trends shaping advisor independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are already-independent advisors reconsidering their current model? (5:27) Josh explains why service, technology, economics, and growing optionality are causing advisors to reevaluate their existing affiliations. How have independent broker dealers and RIAs become more alike? (19:28) Louis and Josh discuss the growing convergence between the two models and why the distinction is becoming less obvious than many advisors assume. What really separates an IBD from an RIA? (25:04) A practical discussion of autonomy, compliance, flexibility, custody, economics, and advisor experience. What misconceptions keep advisors from launching an RIA? (36:29) Josh outlines the “Four Pillars” of launching an RIA and explains where advisors tend to either overestimate or underestimate the operational realities. Which advisors thrive most in each model? (33:12) The conversation explores why there isn't a universally “better” model—only one that's better aligned with an advisor's goals. What trends are quietly reshaping independence? (42:13) Minority investments, enterprise value, business formation, and changing revenue models may have an even greater impact than advisors realize today. Key Takeaways Independence has evolved from a destination into an ongoing strategic decision. Independent broker dealers have significantly improved technology, transition support, economics, and flexibility. The RIA ecosystem has matured into a highly sophisticated marketplace with broad outsourcing and support options. Choosing between an IBD and an RIA should begin with long-term business objectives—not industry perceptions. Building a valuable business depends more on business structure and scalability than simply growing assets. Advisors considering independence should evaluate models with an open mind rather than relying on outdated assumptions. The next decade will likely bring continued convergence between independent business models. https://youtu.be/jHDVso2TsmQ Quotable Moments “The question is no longer, ‘Do I want to go independent?' The question is, ‘What kind of independence makes the most sense for my clients, business, and goals?'” “Business formation is far more important than assets under management.” “The way you build your business will ultimately determine how valuable that business becomes.” “Everything in an RIA is going to cost you either your time or your money.” FAQs Is there still a meaningful difference between an IBD and an RIA? Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Why are more independent advisors changing firms today? Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Is launching an RIA easier than it used to be? Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. Does every entrepreneurial advisor belong in the RIA model? No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. What matters more: assets under management or how the business is built? Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. What's the biggest mistake advisors make when evaluating independence? Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Related Resources IBD vs. RIA Comparison Guide IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and goals?” Josh shares what he’s seeing across the landscape, the misconceptions that continue to shape advisor thinking and the factors that matter most when evaluating the next chapter of an independent business. There’s a lot to discuss, so let’s get to it. Josh, thanks for joining me today. Joshua Tomolak: Thanks for having me, Louis. It’s a real privilege to have come. This is a full circle moment for me going from being a student of your podcast, to working alongside you, to being a guest. So I appreciate you having me. Louis Diamond: Amazing. I’m excited for this one too, because you have a fresh and in the weeds perspective that a lot of our guests simply don’t have. So why don’t you start off, you spend your time helping advisors evaluate independence every day. So working with advisors who are already independent, for the most part. And to me, it feels like the independent space has really evolved dramatically over the last decade. I mean, this podcast is really the epicenter of that to prove that out, but give us a little background on your past roles in the space and then we can get into what you’re seeing right now. Joshua Tomolak: Yeah, I’d be happy to. So I took a very non-traditional path into wealth management. I spent a decade as a deep sea Navy diver, and upon completing my service there, I ended up working for TD Ameritrade. And in my role there, I spent about six years doing nothing but helping financial advisors explore the RIA space, whether that was to join or partner with an RIA, sell to an RIA, or in most cases, launch their own RIA. And one of the things that I ultimately came to terms with is it’s just not the right model for everybody. While I’m a huge advocate for it, we would often lose business to the major broker-dealers of the world. And at the time, I really didn’t understand why. In the last six years at Diamond Consultants has been a very interesting purview into what a lot of the broker-dealers have done and are doing to make themselves more RIA-ish and be very compelling to the right advisor. Louis Diamond: Perfect framing. Your background is incredibly germane to the folks you work with. So let’s start off with the softball here. What are you seeing right now? Joshua Tomolak: It’s not so different than the rest of the industry, the wirehouses, the regional firms, things of that nature, that if you took 10 firms, they’re all likely to go different directions, even if they were identical practices. That could be… A third would go from an independent broker-dealer to another independent broker-dealer. Certainly the supported RIA space is growing every day and has created a lot of very fun and unique solutions for advisors, very customized and curated. And then I think there’s still a lot of really great sophisticated teams and individual contributors that are making the decision to go hyper entrepreneurial and launch their own individual RIA. So the movement’s really all over the board from my perspective. Louis Diamond: It does feel like it’s no longer independence is an alternative option or it’s on the fringes. It’s very front and center whether for breakaways, which is a big topic on our podcast, but in general, the infrastructure has become much, much more sophisticated today than ever before. Advisors have way more tools in their toolbox to serve clients, whether in the private markets or through technology. And it’s no longer that if an advisor’s independent, they’re in the minor leagues where they don’t have the same ability to serve clients like they did if they’re at a big bank or a private bank or a wirehouse. Do you agree? Joshua Tomolak: I absolutely agree. And I’m reminded of a question I got one time from a great team that I worked with in New York. They asked me, “Are there really more options than ever before? Because all we see is one firm selling to another.” And I think that’s a really great point. There’s far less broker dealers on the street than there were even five years ago. But for every Commonwealth, for example, that sells to an LPL, up pops three or four really cool private equity-backed, sophisticated RIA platform firms that are built to service their own unique advisor base. Louis Diamond: I think that’s right. Sitting on the sidelines, sitting on top of everything going on in the industry, I feel like capital is always an interesting topic forever. If an advisor wanted to move within the independent world or break away from a big firm to go independent, the only way to get capital was to go to an independent broker dealer. So we still see that, but I feel like today between all these minority acquisition opportunities, we’re seeing firms acquire practices at time of transition, which is somewhat new. There’s debt solutions, recruiting deals are way up for firms that are paying forgivable loans. RIAs now would, in some cases, will pay a forgivable note. What are you seeing there as far as the availability of capital and just deals in general? Joshua Tomolak: It’s a great question and I didn’t want to take the low-hanging fruit, but capital’s been a huge innovation, I guess, in the last five years I’d say. Just to give you rough quotes, please don’t hold me to it, but traditional transition broker-dealer deals were five years ago, 40 to 60% of Trailing Twelve revenue today are somewhere between 90 and 120%, sometimes north of that for the right team. That’s really meaningful money for the team that is thinking about foregoing a wirehouse deal, for example. I’d also say a lot of these firms are getting hyper-creative in how they solve for capital. The minority investment piece that you mentioned is very interesting. We’re seeing a lot of privatized forgivable notes in the RIA space where third-party or private lenders are basically lending the money and the RIA is making the payments on that forgivable note as long as the advisor is affiliated with them. So there’s been a recognition among the RIA space to get away from the, “Oh, they just took a check” type of mantra, and to say, “Look, I understand there are capital needs. These people are taking a risk. We need to solve for that.” So we’ve seen a lot of that in the marketplace. Louis Diamond: Very interesting. I think another thing financially, and then we’ll keep the train moving, that I know I’ve seen, and maybe you can weigh in if you’ve seen the same, is the cost to an advisor or a business owner to join an independent BD or to join an RIA has come way down, probably in part because of Schwab going to zero on trading. That’s been a catalyst. But it feels like we used to say independent BDs were expensive relative to the RIA world. And in some cases, they certainly could be. And if you’re at scale, maybe you can pick up a point or two being in the RIA world versus a BD. But when you have some of these BDs that have a basis point admin fee or no admin fee at a certain size and the payouts I feel like are similar, maybe have gone up a little bit, but it’s more so like the administrator fees, the platform fees, the program fees. Anyone who’s not in that world, it’s like, “What are you talking about?” But basically the way that these broker-dealers make money, it seems like there’s been a pretty big differential in the exchange of value where advisors now get more services, better technology, get more money to join them and get it at a lower cost. Do you agree? Joshua Tomolak: I absolutely agree. I think that maybe that’s one of the larger changes that we’ve seen, and it’s probably one of the benefits from a lot of the industry consolidation on that independent broker-dealer side. The economies of scale of these folks have allowed them to increase their tech spend, increase their service capacities all while offering it to the advisors at a cheaper price. And when I was at TD Ameritrade, one of the biggest pitches was the idea of a 100% payout and you control the fixed expenses, your technology compliance, et cetera. But what’s changed is that broker-dealers are pretty darn comparable on the expenses. All of those admin fees and things you mentioned will still exist, but they’re on a much smaller scale. And I think the question a lot of advisors are asking is, “Am I getting congruent value from my broker-dealer for what I pay for?” And while that answer might’ve been no a couple years ago, today the answer is more often yes. Louis Diamond: Yeah, I would agree. A lot of times we work with advisors who are starting an RIA or affiliating with an RIA or going to a BD and they see how big the deals are in the independent BD world and the payouts are really high and the fees are relatively low. And honestly, it is a hard decision or calculus to make, like, “How does it make sense for me to turn down this extremely lucrative deal when my ongoing economics are going to be somewhat similar in the BD world versus in the RIA space?” I think it’s just an interesting dynamic and we’ll get more into that distinction. One of the stars of the show right here is we’ve seen a ton of advisor movement across the industry. Our annual advisor transition report said that in 2025, over 11,000 experienced advisors changed firms, which is a large number. A lot of those numbers are within the independent world. So advisors who are 1099 through a BD or through an RIA transitioning to another platform or organization or starting an RIA. So why do you think we’re seeing so many advisors reconsider their current firm or their platform or their broker-dealer today than in years past? Joshua Tomolak: It’s a jarring number. 11,000 is definitely a significant amount of advisor movements. To me, it comes down to a few things, but I will say that it’s almost always a conglomeration of pushes and pulls. Pushes being inherent frustrations with your status quo, pulls being the new sexy, shiny things that you see in the marketplace that could be really impactful for your business. To me, it typically comes down to one of three things, at least on the push front, that drives advisors to movement. Service being number one, technology being number two, and economics being number three. And if we were just going to unpack those, I think service being, “Can you call somebody that knows your business, that knows your name? Are you getting the correct answers? Are you being pushed through a phone tree? And even if you’re not doing it, is it taking up a meaningful amount of time of your staff’s free time?” On the technology front, there’s very significant tech spends happening in the industry right now. I think Raymond James and LPL reported, for example, they spent 500 million in 2025 on a tech spend. So advisors are going to the places that are making their life easier. People are looking for a mechanism to really scale their business without having to add staff and a lot of expenses to the bottom line. And technology is just the fastest, most efficient way to do that most times. And then economics, certainly a lot of advisors and teams have built phenomenal businesses and they’ve made a great living without really stressing out about the economics. And they eventually get to a point in their business where what they were giving up as a million dollar producer is far different than what they’re giving up as a $4 million producer. And back to the congruent value, it perhaps stops to make as much sense. Louis Diamond: Well said. I always say when the cost-to-value ratio is out of whack, that’s when advisors sit up and take notice. And not to name names of firms, but there definitely are firms that are more expensive. And even if you look at how much a wirehouse or a Ed Jones advisor paid their firm, it’s like, “What got me here is not necessarily what’s going to get me there.” And while the name on the business card, the resources were incredibly impactful, and I’m so grateful for what my firm, my broker-dealer did for me when I was just starting or when I was smaller. Now the business is bigger, I rely upon different resources or I don’t need the firm as much. So I’d rather plow the cost savings either into income for myself or invest it in areas that are most germane to my business. And it’s usually when that kind of light bulb moment goes off, that’s one of the major pushes that cause advisors to evaluate other options. So I agree with you, those are the major push factors, but then what are the pull factors? What are the major advancements or changes across the independent space that’s causing advisors to say, “Hey, okay, I might have some frustrations, but at the same time, I also need to find something that’s more than marginally better than the firm I’m at. Otherwise, why am I going to go through the hassle, take the risk, et cetera? So what are some of the pull factors that advisors are latching onto today? Joshua Tomolak: Sure. And I might say with one final push factor, there’s a straw that breaks the proverbial camel’s back when you’ve been told for however many years that this change or that change is coming down the pipeline and it never happens. And it translates well into the pull factors is do they do what they say they’re going to do? The talking points really for the pull factors are exactly the same. So the counterpoint to service is perhaps having a direct relationship with the chief compliance officer at a firm or having a dedicated service representative that knows their stuff inside and out and can get you the answer even if they don’t know it off the top of their head. Having the technology to rebalance a household in two clicks instead of two hours. In economics, I think it’s really a transparency of economics. We’ve both worked with some really significant firms that have looked at their P&Ls and said, “where the heck is the money going?” And we’ve looked at the same P&Ls and said, “I have no idea,” because it’s so convoluted. People are happy to pay for good service, good technology, good products, but they just want to know where the money’s coming from. So I think it’s a yin and yang. The same things that they’re the push are often the pull. Louis Diamond: Definitely. I’ll give you a couple other from my perspective. I’ll say first specific to the independent BD world, and then we’ll dive into the RIA, I think it’s a little bit different. But I think some other will say innovations or changes that are causing advisors to really perk up and listen and really make the case to themselves that life will be better at this new organization than the status quo or staying put. We’ve seen major advancements in transition support, whether it’s being able to do a transition without a shred of paper, being able to… I mean, we’ve seen some independent advisors move their entire book within two weeks, which never would’ve happened before. So the firms that I’d say are playing offense, the larger firms that are winning, they have insane headcount around transitions and are always investing in technology, whether now on the AI front or in general. And we’ve seen transitions, they’re never easy. So that’s not a comment to say it’s easy, but a lot of the friction, a lot of the manual work has been taken away, which is massive. You definitely mentioned the significant technology spend. I mean, just the innovations going on across the industry. There’s definitely some firms that are laggards on technology and others that are light years ahead, whether because their tech is more integrated or they’ve built out their platform to be more, we’ll say modular, to plug in different third-party softwares where an advisor can really customize and create their own tech stack. I think there’s been some changes on compliance. It used to be if you’re at an independent BD, you had to be the OSJ by yourself or you had to roll up under an OSJ. But now most BDs offer home office supervision, so a big friction or pain point is taken away. And then I’ll give you a bridge to talk about what we’re seeing on the RIA side. But we’ve also seen, I would say, a real blurring of the lines between what you would traditionally think of as an independent broker dealer versus what was an RIA. So whether it’s an internal pathway where it’s like, “Start off on our independent BD platform, get the big deal, get the support, but then you can ditch that and just use this as a custodian or you can sell the business to us when you want to retire and convert to W2.” So in that vein, transitioning internally to an RIA, give me the same points like, “What are the major advancements or changes you’re seeing on the RIA side today?” Joshua Tomolak: I love that you said that because it’s been one of the most interesting changes to watch. Independent broker dealers becoming more like RIAs, and to your point, being more flexible, having more optionality, a more curated experience in some cases. And in many cases becoming closer to independent broker dealers with some of these massive shops that we’ve seen be created over the last five years that now have hundreds, if not thousands of advisors. To your question on the internal RIA slide as we sometimes call it, this really didn’t exist many places a few years ago. And I think it’s been created as both originally a retention tool in many places for the advisors that were with a major independent broker dealer and they ultimately wanted to have their own ADV and their own RIA. And the firm didn’t want to lose all the assets to an independent custodian so they gave them the green light to… And it’s ultimately became a sales tool in many cases. Just to use a couple of examples across the industry, I mean, Raymond James has Raymond James Custody Services, which has attracted a lot of really sophisticated teams. I know Wells Fargo Finance done something similar and even the counterparts over at Cetera and Osaic are trying to do the same thing. So it’s a recognition in my view that we want to keep the best talent possible. And if these folks are ultimately going to go RIA anyway, it’s less about the money and more about the flexibility and control that it offers them. So what can we do to keep those folks on board? And rightfully so, a lot of senior management of these firms have said, “Let’s not lose these teams. It’s going to be a lower margin business for us, but at the rate that they’re growing, it’s going to pay off in the long run.” Louis Diamond: Well said. RIAs are now more mainstream. And some of these RIAs, they’re either resembling independent BDs or I would even go so far to say the valuations that are even publicly available on some RIAs is definitely having people take notice. I mean, Cerity Partners recently raised capital at an over $8 billion reported valuation. Crescent was well over a billion. Firms like Mariner, Creative Planning, Mercer, Wealth Enhancement Group, and there’s many that I’m missing, are all worth a couple billion dollars or more and growing. Do you think that’s had an impact on the legitimacy or the staying power of the RIA model? Joshua Tomolak: Oh, absolutely. There’s no doubt about it. I mean, those groups that you mentioned and many more are winning some of the biggest teams on the street. I mean, if you pull up a run-of-the-mill advisor hub article, for example, you’ll see as many of those RIAs win significant businesses as you will their broker-dealer counterparts, partially in my opinion, due to the massive valuations these firms are fetching. And it’s much more of a partnership in the sense that joining a Crescent or a Wealth Enhancement Group, as you mentioned, you’re a part of a boutique group of maybe a couple of hundred very sophisticated high-producing advisors all playing under the same banner, all rowing in the same direction, and that creates substantial growth. Louis Diamond: Exactly right. I think two other things to me that’s driving the legitimacy or the growth of the RIA segment, there’s so many different outsourcing solutions that have popped up, whether it’s more of a… We’ll say a bundled or a package outsourcing solution through firms like Dynasty and Sanctuary. LPL has done a ton with having a shared services outsourcing model. So you have those. But you also have, I mean, probably 10 different firms I could think of that can be an outsourced chief compliance officer. You have tons of marketing agencies that specialize in helping RIAs. You have all these FinTechs popping up to support the RIA space. Really, it’s like anything and everything can be outsourced now. And even the big Wall Street banks like UBS, Merrill, et cetera, they’re attempting to sell and distribute product into the RIA space. Venture funds, private equity funds, anyone you talk to is trying to get a piece of the RIA space, which means there’s more product and platform availability than ever before. And I think it’s massive because one, it’s a catalyst for teams who say, “I love everything about the RIA world. I just don’t want to do it on my own,” or, “I don’t know where to start.” But also it means that they can look their clients in the eye and say, “Hey, not only do I have the same stuff that I had for you at XYZ firm, I can actually do more for you.” And even if you look at what the custodians are doing on the lending side now, Schwab owning a bank is massive and being able to facilitate mortgages, securities-backed loans, things that didn’t really exist in the past. I think it’s a very exciting time for advisors either that are independent or are considering the independent space because you have all these choices and it’s really like, “Choose your own adventure. Give me your top five things you want.” I’m sure it exists and we can find it and make it happen. And I don’t think we’d have the same confidence in that statement 5, 7, 10 years ago. Joshua Tomolak: I couldn’t agree more. That’s such a huge development is the marketplace of third party vendors in any kind of capitalism environment. There’s problems that people encounter and there’s really smart people that are trying to make a lot of money that go to market to solve them. And we’ve seen a ton of that over the last few years. Louis Diamond: Exactly right. Yeah, it’s like also… If an advisor looks around and says, “Hey, this is what I want,” and it doesn’t exist, oftentimes that’s a light bulb moment to be like, “Okay, I’ll go build it. I’ll do it on my own.” Whether it was Stewart Partners when they launched a number of years ago or Hightower, Dynasty, et cetera. They were all started by people that said, “Hey, I see a big gap in the ecosystem. Let’s create a business and raise capital to go solve it and then deliver this service to other like-minded advisors or business owners.” Honestly, it’s a treat to be able to watch all this happen in real time. We probably should have laid the groundwork with this next question, but I think it’s an important one. What’s the difference between a independent broker-dealer and an RIA? Really basic foundational. It sounds like the lines are blurred. There’s probably a lot of similarities. Advisors are successful in both. It’s not like one’s better than the other. How would you explain the differences, if a client of ours asked, “What’s the difference between an independent broker-dealer and IBD versus an RIA”? Joshua Tomolak: Get into the core of it. Again, the lines are blurred, and I’ll stay very high level on the strategic differences, but I like to use this example. I drive a Toyota Tundra. Really like the truck, gets me from A to B. Now, if I were getting to a point where I wanted a new vehicle, if I were to go get another Toyota Tundra because I really like a lot of aspects of it, but I want the one with the bigger screen and the bigger tires and the power seats, and I have rolled down windows because I have a fear of drowning. But if I want a lot of the bells and whistles, but I want to keep the foundation, that’s what I align to a independent broker-dealer to independent broker-dealer. You like the foundation of everything all under one roof. You like a lot of the resources, but you have some meaningful frustrations and you want to see if another provider in the market can solve for those or you can upgrade. If I instead, Louis, decided that I wanted a sports car or a Jeep Wrangler or something, I would be looking at a different category altogether. That’s how I articulate the platform space. They provide the same services and support in many cases that an independent broker-dealer does, think of marketing and a tech stack and regulatory oversight and a fellowship in a community, but they’re built on an RIA TC registered chassis. They’re typically far more customized so you can shop the street to get a lot more of the things that you like, though you are walking away from maybe some of the things that you’ve liked in the independent broker-dealer model. So I guess that’s the highest level I might explain it, just a little bit more minutia in any broker-dealer is going to be a FINRA registered, FINRA member broker-dealer. So they’re subject to the FINRA rules, which basically means it’s the compliance interpretation of those rules that they have to follow. So LPL’s rules may be slightly different than Cetera’s than Ameriprise’s because it’s based on their interpretations of the rules. In the RIA space, everybody really operates on the fiduciary standard. So it’s just a different lens that from a compliance standpoint, business is looked at. And a lot of people would make the argument that it’s just easier to get things done when you’re looking at something from that lens. I might’ve gone too compliance nerd on you there, but I’d be curious what you think some of the major differences are. Louis Diamond: Yeah, I think that’s right. I mean, it sounds like if you’re in the RIA world in some capacity that you as the advisor or business owner are going to have a little bit more control and autonomy and flexibility. One, do you think that’s true? And what are the reasons why that is? Is it platform? Is it strictly just compliance is easier? What are the different ways that an RIA would have more or less flexibility than someone who’s with an independent BD? Joshua Tomolak: Yeah, I think it’s overwhelmingly true, but it certainly depends on your business. Within most RIA platforms, you’re going to be one of a couple dozen, maybe a couple hundred, where you’re going to have people within that firm that really know your business. So the experience in getting things done is much less about, “Can I do this,” or, “Can I not do this?” And it’s, “Louis, I understand you asked for this. We’re going to run into these issues, but let’s figure out how to get to yes.” So it’s far more curated by people that are not operating on black and white rules and can actually figure out how to get to yes for your business. The other thing I would say is that most significant RIA platforms have multiple custodial options. So many times you’ll see as few as two or as many as five. So if an advisor or a team is trying to bring on a new piece of business or do something creative, that might be something they can use a different custodial relationship to accomplish. It might be something that Goldman Sachs does really well but is in its infancy at Fidelity, or it might be international business that’s approved on Pershing’s platform but not Schwab’s platform. So the RIA partner that you’re with can really look at those custodians agnostically and say, “What’s the best home for this business? What’s the best way to get this done for Louis?” There’s a couple examples of where I see the flexibility in practice. Louis Diamond: Yeah, I think one more too would be the concept of being able to shop the street. I’ve heard it described as becoming a buy-side advocate for your clients versus being a professional seller. So meaning, if I’m affiliated with an RIA or I’m operating my own RIA, there’s no selling away like there is at a wirehouse or at certain BDs. So if I have a client who’s trying to get a $10 million loan for a new building that they’re breaking ground on, if I’m at UBS, Merrill, Morgan Stanley, captive to a BD, I can go to my firm and say, “Hey, this $10 million loan, here it is. What are the terms? What are the rates? Will you take on this business?” And the firm will say, “Yes. No. Yes, here are the terms. Here’s the caveats, et cetera.” But it’s a very closed market process and an advisor has to live and die by what their firm says. Versus in the RIA world, it’s, “Okay, I have relationships with nine different banks and I can go to these different banks and private credit funds and whoever and really create either an option process for my client or really just help them in a fully agnostic open way.” And we see the same thing when it comes to alternative investments. No one at a wirehouse, let’s say, is complaining that they don’t have enough alts that they can offer clients. Those firms have done an amazing job with really boiling the ocean and having tons and tons of options for private investments, hedge funds, et cetera. But if you’re in the RIA world, you can take it to the next level and say, “Hey, this $3 million startup company that my friend is starting, I’m going to help them raise capital,” or, “My client wants to get a syndicate of investors together to have a direct investment into a qualified opportunity zone fund that they’re starting. Let’s do it when we can advise on it.” So it really expands what an advisor is able to do on behalf of clients. Like to me, that’s the most interesting or exciting part of the RIA model. You can get some of that within the BD world, but to me, when an advisor’s business becomes more sophisticated as far as what their end client’s needs are, it tends to translate better to the RIA world than the BD world. Not to say there aren’t ultra-high net worth focused advisors at BDs, but because of that additional flexibility, autonomy, customization, et cetera, that speaks more RIA. So again, absolutely not down at all on the independent BDs because I think there’s a massive home for them. Josh, let me turn it back to you. I’m rambling now. Give me the pitch for an independent BD. What are the things that are misperceptions that people have? What are the advantages that an independent broker dealer like an LPL or a RayJ or a Cetera have over RIAs or over other models in general? Joshua Tomolak: Absolutely. And I’d say I’ve learned more over the last six years from some of your ramblings than most people learn in an MBA course, so keep doing what you’re doing. But it’s funny being in this position now, having spent so much time sort of selling against the IBD model within TD Ameritrade, but what I’ve learned is it’s a good home for everybody. And a lot of times the advisors that they’re entrepreneurial enough where they like having their name on the door, but they’re not so entrepreneurial where they want to build everything out themselves, that’s where the independent broker dealers absolutely kill it. Their economics have gotten to a point where they’re really competitive. They offer transition capital that isn’t even going to be comparable in the RIA space unless you’re selling a minority share of your business. And you mentioned LPL, or we could really list all of the major ones, there’s not a department that they don’t have. It could be as nuance as finding 403(b) payroll slots or it could be as mainstream as fixed income or setting up events. There are all kinds of really neat departments that these all under one roof independent broker dealers have invested in. And a lot of times they make an effort to make you very much aware of all of the support because most people don’t use it. So I would say for the advisors that are looking to get their improved Toyota Tundra, then you can get probably 70 or 80% of what you want within the independent broker-dealer world. And you can also keep 20 or 30% of the stuff, maybe more that you really liked at your previous firm. So I think that’s where it really shines. I sometimes call it an incremental change rather than a transformational change. But for many advisors, incremental is really good enough if you get to keep the familiarity of how you’ve been doing business for the last 20-some years, but you’re able to get net improvement on the things that were really bothering you. Louis Diamond: Well said. Something that I’ve seen that’s been… I guess this could be either pro or con depending upon the advisor, but with some broker dealers, letting an advisor co-brand with them or really having a real consumer-facing brand, whether it’s, “I’m a franchise owner with Ameriprise,” or, “I’m independent through Raymond James,” or, “Running my own practice through Wells Fargo FiNet,” or, “I’m independent with Northwestern Mutual.” There’s definitely some brand cache or brand familiarity with some of those firms that may or may not be the same if you’re in the RIA world. So I would agree there’s a lot to like about the independent BD world and there’s a fit for people that is absolutely better with independent BDs than on the RIA side. Even if some people would say RIA is better, we’re cleaner, I wouldn’t say that. To me, it’s all about what an advisor’s goals are and then matching that up with what these firms do. And there’s never a perfect option. I jokingly say, “If there was a perfect firm, we wouldn’t be in business.” Every firm has their advantages or disadvantages. And depending upon where an advisor’s coming from, their style of business, their pain points, that’ll match up really well with on firm or one type of firm or one model than the other. Let’s pivot a little bit to the RIA world. A lot of your comments have been more about advisors affiliating or joining RIAs, this whole supportive version of independence concept. But what about advisors who want to go and start their own RIA? Either they’re leaving a captive firm and taking the entrepreneurial route and starting their own firm, or they’re leaving an independent BD to go start their own RIA. What do you see as some of the biggest misconceptions that advisors have about that move? Joshua Tomolak: That’s probably my favorite topic because there are the most misconceptions I think in this space. Louis Diamond: I’d agree. Joshua Tomolak: And I would say there’s 9 out of 10 conversations that I have with advisors and teams, they start off with the launching an RIA in mind or at least RIA curious and they want to understand what’s out there. And probably less than half the time do these folks end up actually launching their own RIA, which is okay because the ones that do are massively successful and they know they’re dang sure that’s exactly what they want to do. I think it gets a little bit romanticized sometimes that they’ll say, “Oh, I’ll just give Schwab a call,” or, “I’ll just give the custodian a call,” as if they were shopping independent broker dealers. That’s fine. You can do that and they will help you, but there’s quite a bit more to think about. And it’s not, in my opinion, the same as evaluating independent broker dealers. If it’s all right, I was taught the four pillars of the RIA model. I can go through that with you really quickly. So the way to think about the RIA space is in four pieces. And shout out to a friend, Eli Suarez, that taught me this years ago. The first pillar… Thinking of four pillars on a bar stool, if you will. The first one being administration. And this is your compliance, this is setting up your ADV, your LLC, all of your business formation documents. The second piece being technology, what do you actually want to use? Because the benefits of the broker-dealer world and the supported independent world is they’ve already built it for you. They’ve already paid for it and scraped their knees building it. In this case, you have to. And for some people, that’s really exciting to source financial planning software and portfolio management software and your CRM and tax software, et cetera. For some people, it just sounds like a huge headache. The third pillar being custodians. I have them third because you want to make sure that the right custodian can integrate properly with the technology that you’ve sourced that you’re passionate about. And then ultimately transition. What does a transition really look like? What are my legal and regulatory requirements? How does this work? What are the timelines? Things of that nature. So I guess I would say in closing that if those four things are things that you really want to own, then you’re in a really good position to consider an RIA launch. What do you think, Louis? Louis Diamond: I think that’s a great framework to break it down. Not just be like, “Okay, I can tolerate that,” or, “My team can do it,” but I think you have to be pretty excited about rolling up your sleeves and customizing and doing it yourself because in our experience, there’s a nominal differential between the economics of running your own RIA versus affiliating with an RIA or going to an independent BD. All the extra work and responsibility, you’re not really going to make it up, at least on the front end, on a higher net payout. So it has to be more about what the model means to you and having a vision that you don’t think anyone else can accomplish other than yourself. And looking at that crazy ever-expanding Michael Kitces’ FinTech map and there’s 500 different logos on it and being like, “Yes, that’s what I want. I want to go through this. I want to pick the seven pieces of my tech stack that work for me,” rather than getting, “Here’s the tech stack, take a demo, you like it, you don’t like it, take it or leave it.” To me, the two biggest misconceptions people have about the RIA world is one, “I’m going to have to be a full-time chief compliance officer,” and just that compliance is this boogeyman, this terrible, scary thing. In some ways it is. But the reality is most, especially startup RIAs will fully outsource compliance to a firm or they’ll hire a compliance consultant or firms that are big enough even will hire a CCO or repurpose someone on their team to be CCO. But compliance is much more streamlined and simpler than BD compliance. And ultimately, it’s compliance that’s being built for your business rather than compliance that’s being built for a publicly traded multinational company that supports 20,000 financial advisors. So I think compliance is always a big misconception. It’s definitely what a lot of firms will pry upon when they’re saying like, “Oh, you’re going to own all the legal and regulatory requirements. You could, but it’s definitely not a requirement.” And then I think another one is folks sometimes underestimate and overestimate the operational burden and how much work it is to start an RIA. Sometimes people just… They’re perfect for the RIA world, that’s their goal, but they get stopped in their tracks. They don’t really know what to do. But what we’ve seen, we said it earlier with so many different outsourcing solutions and different service providers that have popped up, if you have the fire in your belly to go build something, it doesn’t mean you’re doing it by yourself. I mean, that’s what firms like ours do. The custodians are very helpful. On the flip side though, I have seen advisors chasing payouts say, “Hey, I’m just going to go start an RIA because I want to make another 1 to 3%,” or whatever it comes to and they drastically underestimate what it really takes to build a successful firm. Joshua Tomolak: Exactly right. I think that’s my favorite one, Louis, overestimating and estimating the operational burden there is you could have the same conversation with two teams and it can go the completely different direction. Louis Diamond: Josh, let’s wrap here. I got one more question for you that I think is an exciting one, but give me three key trends or storylines that most people don’t know about or aren’t talking about that you’re passionate about or that you’re sharing with advisors or counseling today. Joshua Tomolak: Sure. This is the free advice portion. And I’ll tell you what, Louis, if it’s all right with you, I’ll give you two and I would love to hear one from you as well. The first one I’ve seen in both the independent broker-dealer and RIA space is the minority investor concept. A lot of folks will talk about the idea of taking chips off a table and starting to partially monetize your business. I think that’s all important, but what I’ve found is that a lot of advisors really want their partner, whether it’s an RIA broker dealer to help them grow. And that could be with M&A opportunities, that could be with traditional recruitment of advisors, that could be building a business plan. But the minority investment part really helps accelerate that for a lot of businesses because all of a sudden, not only are you cashing out a small part of your business, but you’ve just created an ally with the parent entity, it is now much more likely to help you grow in that capacity because they’re insulated from it and they profit when you profit. So I think it’s easy to be shortsighted and say, “Well, my equity’s going to keep growing. Why would I sell you a piece of this?” But I counsel folks often to really think about what that long-term strategic partnership is and making somebody a real equity partner rather than just a vendor that provides you with technology and regulatory coverage. The other one I’d say is that… And this one’s really important to me, that business formation is far more important than your assets under management. Said a different way, the way you build your business is going to make your business far more valuable than the number of dollars underneath your name. And what I mean by that is, just to use an example, a sophisticated, well-built, centralized, scalable and repeatable business, whether it’s an RIA with a broker-dealer that is going to fetch a far higher M&A multiple than a OSJ that’s five times the size that just has a bunch of 1099 independent advisors underneath the umbrella. What we’ve seen in the M&A space is that if you’re going to shell out 50, 60, $80 million for somebody’s business, you want to know that you have this business for the long term. So I would certainly counsel people that have been around maybe far longer than me to take a look at how you’re building this and put together a business plan on what those next 10 years should look like and not necessarily fall into the trap where your only revenue source is the override that you receive from a firm and then you in turn pay to the advisors on your team. Louis Diamond: Well said. I really like that line. We’d probably do a whole episode on what are the tips and tricks for building a business with the end in mind? Like the Covey quote, “Begin with the end in mind.” Transitions are like… They’re a bear. I mean, there’s no way to sugarcoat it. Advisors, when they hear transition, if you ask them, “Don’t think about it, give me your reaction.” “Terrible, risky, a lot of work. I’ll never do it again. My friend did it and it was terrible. What if my clients don’t come?” It’s all these negative emotions. And in many cases, I don’t blame an advisor because it is a big act. But to me, if someone is weighing making a transition, whether a wholesale business model change going from being an employee to being independent, going from being an advisor at an independent BD to starting an RIA, or even going independent BD to independent BD, it’s an opportunity if you rise to the occasion to build with this next act with intentionality. So whether it’s restructuring compensation for your team, converting people from 1099 to W2, putting in place new workflows, changing how investments, instead of it being each individual advisor doing investments to more of a centralized model, cleaning up workflows, really investing in data, investing in AI. It’s something that I think, again, we can have a whole episode on it, but I think it’s a great one. Build the business the right way. And obviously, businesses that are larger, theoretically, sell for more, but we’ve certainly seen businesses that are half the size of a larger one sell for a similar amount or more because they did all the right things and the larger one did the things that really turn off a buyer or detract from a valuation. Let me give you one more and tell me if you agree, but I think we’re in this moment when Altruist, the upstart, a new kid on the block custodian, they launched a basically tokenization of cash in a way to automatically agentically source or sort cash to the highest yielding money market. And you’re like, “This is fricking wonky. Louis, why are you telling us this?” I think this is an important one just to keep a watchful eye on. I have no idea how this is going to shake out, but really the biggest way that independent BDs or even custodians like Schwab and Fidelity really make money, it’s not on their overrides from practices or the admin fee or the custody fee. It’s really on net interest margin. So how much the broker-dealer or the firm is making on client cash and brokerage accounts relative to what they’re paying out the client. It’s essentially like free margin to these firms. And this concept, I think, has massive potential for disruption for the business model. Again, I don’t know what it’s going to look like, whether it means platform fees that are instituted at all these firms, whether it means certain models would be more beneficial than others, whether it means nothing’s going to change, which is probably the right answer given this industry. But it’s something to keep a watchful eye on just if your firm institutes a new platform fee or there’s a fundamental way in which your firm can no longer make money. How are they going to make it up? Are they now going to be uncompetitive? They’re not going to have as much scale or profits to invest in the platform. Is it going to cause even more consolidation in the industry? So to me, that’s the one pretty under the radar, pretty wonky storyline that I don’t think enough people are talking about, but has the biggest possibility for disruption across their space than anything I’ve seen in a while. Joshua Tomolak: Sure. That’s the whole iceberg. Not a lot of people are talking about it. It’s not poking out of the ocean, but it’s going to be continuously brought up. I think it’s a question that a lot of advisors are going to have to ask these firms. And at the end of the day, the firms aren’t the bad guys. They have to make money too to provide a quality product. So where the money comes from matters. Louis Diamond: Exactly. Josh, this has been awesome. I learned a lot talking with you and just having your objective consulting hat on what I think are really the differences between IBD and RIA and some of the key trends and storylines to watch has been instrumental. I’ll also give a plug that on our website and we’ll link to it in the show notes, we have a really helpful one-page reference guide going through the differences between independent BDs or IBDs and RIAs. So feel free to click on it. We’ll make sure it gets in your inbox. Josh, thanks again for joining us today. Joshua Tomolak: Yeah, thanks for having me, Louis. It was a pleasure. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and go

Rep. Lauren Boebert hops on TMZ Live to slam Dr. Fauci for pleading the fifth in COVID Senate hearing, body cam footage shows Tony Romo's OWI arrest, Nolan Wells' mom fires off subpoenas over social media data, and Ray J crashes the live stream. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Selective Ignorance, Mandii B is joined by super producer A-King, journalist Jason Rodriguez, and headline king Jason “Jah” Lee for a wide-ranging conversation exploring American politics, relationships, self-defense laws, free speech, travel, race, and celebrity culture. The episode opens with a preview of the week's biggest stories [ 00:38 ], before the full crew checks in and shares stories about travel mishaps, delayed flights, and the ever-changing airline experience [ 02:28 ][ 04:06 ]. The conversation then shifts to a thought-provoking debate over which underrepresented community has the greatest chance of producing a future President of the United States, examining the political trajectories of figures like Kamala Harris and Alexandria Ocasio-Cortez (AOC) while discussing the unique barriers facing Black women, Muslim Americans, and other marginalized groups [ 07:41 ]. In this week's "Double Down or Take It Back," Mandii revisits her viral statement that "marriage is for broke women," explaining the financial philosophy behind the comment while unpacking the realities of marriage, divorce, wealth-building, and treating long-term relationships as business partnerships [ 22:58 ]. The discussion continues in "This Is America," where the hosts examine a controversial Jacksonville, Florida, Stand Your Ground caseinvolving two Black teenagers charged with first-degree murder despite questions surrounding self-defense [ 35:28 ]. The crew explores the legal gray areas surrounding self-defense laws, prosecutorial discretion, and the burden of proof, debating how race and circumstance often shape public perception and courtroom outcomes [ 39:00 ][ 41:15 ]. The conversation then pivots to a lighter—but surprisingly divisive—topic after a viral debate about whether Uber passengers should be allowed to curse during rides [ 43:35 ]. The hosts unpack the balance between customer rights, driver expectations, personal boundaries, and respect in shared spaces [ 45:37 ][ 48:46 ]. From there, they discuss reports of an LGBTQ+ cruise being denied entry into Turkey and Egypt, using the story to explore international travel, cultural differences, government policies, and safety concerns for LGBTQ+ travelers abroad [ 56:29 ][ 59:30 ][ 01:07:38 ]. Closing out the episode, the crew dives into "Celebrities Say the Darnedest Things," examining the idea of the right message coming from the wrong messenger [ 01:09:13 ]. They briefly revisit ongoing conversations surrounding Ray J's controversial comments about sexually transmitted diseases [ 01:12:53 ], before questioning Safaree's credibility and the importance of who delivers advice in public discourse [ 01:14:03 ][ 01:14:57 ]. The discussion expands after reacting to a white content creator's comments about Black women, sparking a broader debate about dating preferences, racial bias, beauty standards, and the difference between personal preference and systemic prejudice [ 01:16:45 ][ 01:18:30 ][ 01:24:09 ]. The episode concludes with a conversation inspired by Stephen A. Smith's daughter joking about placing him in a nursing home, prompting reflections on elder care, family responsibility, community support, and how different cultures approach caring for aging parents [ 01:27:25 ][01:30:26 ][ 01:36:38 ]. Wrapping up with final thoughts and weekly plugs [ 01:40:01 ], the crew delivers another engaging blend of humor, cultural commentary, and nuanced discussion on the stories shaping today's conversations. No Holes Barred: A Dual Manifesto Of Sexual Exploration And Power” w/ Tempest X! Sale Link Follow the host on Social MediaMandii B Instagram/X @fullcourtpumps Follow the crew on Social Media @itsaking @jaysonrodriguez @mrhiphopobama Follow the show on Social MediaInstagram @selectiveignorancepodTiktok @selective.ignoranceX/Twitter @selectiveig_podSee omnystudio.com/listener for privacy information.

“People don't know if you don't talk and I got tired of being overlooked” ~ Sammie R&B superstar Sammie returns to Skipping Class, presented by The Progress Report, for his first sit-down with Lalaa Shepard since 2018. Since becoming the youngest solo artist to earn a No. 1 hit with his breakout record “I Like It” at just 12 years old, Sammie has continued evolving as an artist, businessman, and father. In this exclusive conversation, Sammie reflects on his journey from child stardom to building an independent career on his own terms. He discusses surviving multiple eras of the music industry, his experiences surrounding the Verzuz era alongside Pleasure P, Ray J, Bobby V, forming RSVP, and thoughts on the Pretty Ricky and B2K Verzuz. He also shares his thoughts on Ray J's upcoming celebrity boxing match with Orlando Brown, the Millennium Tour, fatherhood, embracing aging, raising both a son and daughter, releasing visuals independently, and the importance of ownership. The conversation also takes a deeply personal turn as Sammie opens up about losing his father, supporting his mother through mental health challenges, creating his FINAL album The Journee, named after his daughter staying inspired after decades in the industry, and why he no longer wants to creates music from a place of pain. He also shares memories of Hardball, working alongside Michael B. Jordan, his admiration for rising star Young Roddy, his thoughts on G-Baby's unforgettable scene, and closes the interview by defining what “progress” truly means. Watch the full episode now and be sure to subscribe to The Progress Report for more exclusive interviews with today's biggest artists, producers, executives, entrepreneurs, and cultural leaders. Instagram: https://www.instagram.com/sammiealways/ https://www.instagram.com/lalaashep/ https://www.instagram.com/theprogressreport101/ https://www.instagram.com/tprmediagroup1/ Website: https://TPRMediaGroup.com Listen to us on Apple Podcasts https://podcasts.apple.com/us/podcast/the-progress-report-podcast/id1494070183 Listen to us on Spotify Podcasts https://open.spotify.com/show/5sBgF6wWa7NmHraP2QuBEv?si=a0f5f19b8a494fb5 Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Leonard Ouzts comes out to the NNFA turtle lair as we dive into sports, dating, pop culture, and some truly outrageous stories. In this episode, we talk why New Yorkers might never stop talking about the Knicks, the World Cup's billion-dollar success and global sports, including prostitution. Dave reviews Quan Millz's This Hoe Got Roaches in Her Crib, the ultimate dealbreaker: could you date someone with roaches? Plus the viral KTLA reporter roach incident, why Harry Potter should've been the biggest heartthrob at Hogwarts, and of course another week of “Brandy Get Your Brother”, Ray J's latest viral performance and why he's trying to jump into streaming. It's another splendiferous episode indeed!DON'T FORGET TO LIKE, SHARE & SUBSCRIBE Watch “Gone in 60 Steps"! https://www.youtube.com/@GoneIn60Steps MERCH https://nnfa.creator-spring.com/ BONUS CONTENT https://www.patreon.com/c/ImDaveTemple?utm_medium=clipboard_copy&utm_source=copyLink -----------------Follow host Derek GainesIG https://www.instagram.com/thegreatboy/ YouTube https://www.youtube.com/channel/UCEQDlfXd3hPcpTkU8xHYBTg Follow host Dave TempleIG https://www.instagram.com/imdavetemple/ YouTube https://www.youtube.com/@DAT46Follow guest Leonard OuztsIG https://www.instagram.com/ouztsyy/ Follow No Need for ApologiesIG https://www.instagram.com/nnfapodcast/ TT https://www.tiktok.com/@noneedforapologies FB https://www.facebook.com/noneedforapologies/Produced by Teona SashaIG https://www.instagram.com/teonasasha/TT https://www.tiktok.com/@teonasasha -----------------To advertise your product on our podcasts please email jimmy@gasdigitalmarketing.com with a brief description about your product and any shows you may be interested in advertising on.SEND US MAIL:GaS Digital StudiosAttn: NNFA151 1st Ave # 311New York, NY 10003"No Need for Apologies" - NEW Episodes every Saturday at 3PM/ET on YouTube-----------------⏱️CHAPTERS00:00 Intro00:45 Welcome to the Show01:50 Leonard Ouzts Joins the Show02:07 World Cup Fever12:23 Dating "High-End" Women & Tulum Culture14:52 “This Hoe Got Roaches in Her Crib” Book Review25:00 Viral KTLA Reporter Gets a Surprise Visitor26:20 Dress Socks, Jordans & Being a Horny Teen29:10 Viral Immigration Building Fire in NYC34:00 Harry Potter Should've Had More Girls47:22 Gary Oldman Is an All-Time Great Actor48:27 Ray J's Viral Performance53:30 OutroSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us Fan MailZeke is officially BACK in the building, and the whole Carbonated Concepts Show crew is operating at max capacity! DJ Carbo, J.Will, and Zeke are joined by special guests Coach Shawn and Mr. Malcom to dive deep into life, love, and sports.Here is what is on tap for this week's episode: 

In this bonus episode of Selective Ignorance, Mandii B is joined by super producer A-King and Jason “Jah” Lee for an entertaining conversation covering concert culture, hip-hop, nostalgia, addiction, celebrity headlines, relationships, and modern social dynamics. The episode kicks off with a debate about "cultural credit" and whether it's ever appropriate to ask artists and industry friends for concert tickets or backstage access [ 01:43 ]. The crew shares insider tips on navigating smaller concert markets and maximizing live music experiences [ 03:26 ], before discussing the tours they're most excited about, including J. Cole's The Fall Off Tour, Usher, Chris Brown, Lil Wayne, Vince Staples, and even unexpected performances at venues like SeaWorld [ 06:01 ][ 08:33 ]. From there, they examine how nostalgia continues to fuel the booming live music economy, with legacy artists drawing massive crowds decades into their careers [ 10:18 ], before reflecting on T.I.'s career resurgence, retirement conversations, and evolving ambitions [ 11:49 ]. A brief detour into stand-up comedy and future creative plans keeps the conversation moving [ 14:37 ], before the crew turns its attention to Future's latest album and the current state of Atlanta hip-hop, debating whether the city's sound is entering a new era of "reconstruction" [ 16:05 ]. The discussion then shifts toward addiction, public perception, and substance use, beginning with reflections on methamphetamine, the struggles of former Florida gubernatorial candidate Andrew Gillum, and the realities of addiction [ 19:39 ]. The hosts share candid personal stories about encounters with cocaine and nightlife culture [21:40 ], before discussing changing attitudes toward marijuana, mushrooms, and recreational drug use [ 25:29 ]. A humorous internet rabbit hole involving podcasters and alleged cocaine use [ 26:18 ] quickly gives way to a more serious conversation after reacting to Ray J's viral comments about sexually transmitted diseases [ 28:14 ]. The crew separates fact from fiction by discussing sexual health, misinformation, and the dangers of spreading inaccurate medical claims online [ 31:21 ], while also examining the public conversation surrounding Princess Love, accountability, and relationship dynamics [ 32:25 ]. Closing out the episode, Mandii, A-King, and Jah explore the emotional complexities of "savior" mentalities in relationships, discussing why some people feel compelled to rescue partners at the expense of their own well-being [34:50 ]. They debate male-centered relationships, unrealistic expectations shaped by pop culture and Disney princess narratives [ 36:19 ][ 37:28 ], before turning to lighter conversations about declining wedding and baby shower invitations, changing social obligations, and evolving friendships in adulthood [ 43:12 ]. The crew also weighs in on internet debates surrounding fashion, masculinity, and bedazzled men's clothing [ 48:25 ], before wrapping up with a playful discussion about Mandii's New York roots versus her growing Florida identity [ 51:03 ]. The episode concludes with final thoughts, upcoming announcements, and the team's signature sign-off [ 56:38 ], delivering another candid, hilarious, and insightful bonus conversation that effortlessly blends music, culture, current events, and everyday life. No Holes Barred: A Dual Manifesto Of Sexual Exploration And Power” w/ Tempest X! Sale Link Follow the host on Social MediaMandii B Instagram/X @fullcourtpumps Follow the crew on Social Media @itsaking @jaysonrodriguez @mrhiphopobama Follow the show on Social MediaInstagram @selectiveignorancepodTiktok @selective.ignoranceX/Twitter @selectiveig_podSee omnystudio.com/listener for privacy information.

Send us Fan MailThe girls get their Motown on in an attempt to not only win over Ray J, but his dad too!? Also things get even weirder with Lil Hood... buckle up. 

Send us Fan MailWould you flip draft picks for Bronny James if it guaranteed you also landed LeBron James? We start there and immediately run into the real questions NBA fans argue about every day: what's the actual price of a superstar, how does roster fit change everything, and is LeBron better treated like a power forward at this point in his career. We also talk about what that move could mean for Bronny's minutes, development, and whether riding with your dad feels like a dream situation or a retirement tour you'd rather skip.Then the conversation jumps from basketball into the loud world of sports media and celebrity narratives. We get into the constant churn of NBA shows, why it's easy to burn out on nonstop debate content, and how quickly platforms switch directions when a contract ends. From there, we unpack the LaVar Ball and Lonzo Ball relationship headlines and the bigger issue behind them: when a public figure shares personal details, the internet doesn't treat it like a private moment, it treats it like a storyline. We argue over what counts as cheating, whether “living your truth” helps or hurts, and how double standards shape the reaction.We close with a fast-moving culture run: Lil Wayne tour drama and what fans are owed when tickets aren't cheap, Drake streamer clips and Saucy Santana's clapbacks, and a real debate on BET Awards choices like Kendrick Lamar winning again versus artists who arguably had the bigger year. We even touch Zeus Network celebrity boxing, including Ray J vs Orlando Brown, while giving props to Clarissa Shields for building a bigger platform for women's boxing. If you like NBA rumors, hip hop news, and unfiltered sports and culture talk, tap in, then subscribe, share with a friend, and leave a review. What part do you disagree with most?FOLLOW. SUBSCRIBE. SHARE. Contactmixedvibeztv@gmail.com (720) 381-1092Facebook www.facebook.com/mixedvibezYouTube https://youtube.com/@mixedvibezmediaTikTokhttps://www.tiktok.com/@mixedvibezmedia?_t=8aEYresFfkw&_r=1Instagramhttps://www.instagram.com/mixedvibezpodcast/

It's a splendiferous family episode this week as Dave and Derek break down everything from America's wild holiday celebrations to the internet's latest obsession with livestream culture, customer service nightmares, and some of the funniest viral videos of the week. We talk why the Fourth of July felt completely out of control this year, Dave's theory that streamers are the new entertainment industry, Ray J, Sauce Walka, and the state of internet fame. Then we talk the movie Obsession (spoiler alert), why Dave doesn't trust women wearing sundresses with cowboy boots, customer service disasters, fake food delivery apps, and viral internet moments!DON'T FORGET TO LIKE, SHARE & SUBSCRIBE Watch “Gone in 60 Steps"! https://www.youtube.com/@GoneIn60Steps MERCH https://nnfa.creator-spring.com/ BONUS CONTENT https://www.patreon.com/c/ImDaveTemple?utm_medium=clipboard_copy&utm_source=copyLink -----------------Follow host Derek GainesIG https://www.instagram.com/thegreatboy/ YouTube https://www.youtube.com/channel/UCEQDlfXd3hPcpTkU8xHYBTg Follow host Dave TempleIG https://www.instagram.com/imdavetemple/ YouTube https://www.youtube.com/@DAT46Follow No Need for ApologiesIG https://www.instagram.com/nnfapodcast/ TT https://www.tiktok.com/@noneedforapologies FB https://www.facebook.com/noneedforapologies/Produced by Teona SashaIG https://www.instagram.com/teonasasha/TT https://www.tiktok.com/@teonasasha -----------------To advertise your product on our podcasts please email jimmy@gasdigitalmarketing.com with a brief description about your product and any shows you may be interested in advertising on.SEND US MAIL:GaS Digital StudiosAttn: NNFA151 1st Ave # 311New York, NY 10003"No Need for Apologies" - NEW Episodes every Saturday at 3PM/ET on YouTube-----------------⏱️CHAPTERS00:00 Intro00:45 Welcome to the Show02:42 Dogs Won the Fourth of July07:15 Are Streamers Being Exploited?09:30 Sauce Walka's New Strain & Ray J16:20 Obsession Review (Spoilers)27:04 Fourth of July Was Doing Too Much29:50 Dave Chappelle on CNN32:00 Viral Washington, D.C. Video34:50 White Habits37:50 Dave's Apology of the Week41:22 Reading Uncle Remus48:07 Derek Officially Leaves Bushwick53:30 Customer Service Is Broken01:00:45 The Fake Food Delivery App01:03:30 Empire State Building Couple01:08:40 Dad's Meltdown After Mexico's Loss01:12:30 Baby Knockout01:20:15 The Emotions Challenge01:23:50 OutroSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Rory is back, and explains his absence, as well as how he and Mal spent their 4th of July Weekend. Taylor Swift and Travis Kelce tie the knot, causing outrage with New Yorkers for their wedding in Madison Square Garden, and Donald Trump flexes his power as President to reverse a red card for Team USA in The World Cup. Un shares a heartfelt (sorta) poem to Jay-Z, where he explains the trauma that Hov has caused in his life, while Beyoncé releases a previously leaked song, causing fans to speculate what genre her Act: iii will fall under. B.dot drops his infamous Top 10 Rappers of 2026 list, Lil Wayne addresses his missed shows, as well as his recent breakup, and video footage of Pooh Shiesty holding Gucci Mane at gunpoint surfaces. Ray J and Orlando Brown are set to face off in a boxing match, SZA reveals new information about herself, and the guys breakdown the various trades and signings that happened around the NBA this weekend. All lines provided by Hard Rock Bet Visit your nearest Boost Mobile store or https://www.boostmobile.com/promo/25-foreverSee omnystudio.com/listener for privacy information.

Send us Fan MailOk, so no one threatens to beat someone's a** so bad they'll need a colostomy bag, but this episode is still full of really weird and unexpected drama. FOR THE LOVE OF RAY J, let's frickin go, y'all! 

This week's episode gets personal and with Derek out, Dave is joined by Krystyna Hutchinson (Guys We F**d) and guest host Simeon Goodson in the NNFA turtle lair for one of the most honest conversations around bad moms. We talk everything from family trauma and parenting to internet culture, viral celebrities, and why growing up online has changed everything.Krystyna talks about her one-woman show about realizing her mom was her first bully, the complicated relationship between parents and their children, raising daughters in today's world, whether streaming has become the new entertainment industry, Dave opens up about his mother's hoarding and the difficult realities of caring for aging parents. Then Jussie Smollett's return to the spotlight and Ray J's constant need for it, Taylor Swift getting married at MSG, and the internet's obsession with celebrity chaos. Another splendiferous one indeed! DON'T FORGET TO LIKE, SHARE & SUBSCRIBE Watch “Gone in 60 Steps"! https://www.youtube.com/@GoneIn60Steps MERCH https://nnfa.creator-spring.com/ BONUS CONTENT https://www.patreon.com/c/ImDaveTemple?utm_medium=clipboard_copy&utm_source=copyLink -----------------Follow host Derek GainesIG https://www.instagram.com/thegreatboy/ YouTube https://www.youtube.com/channel/UCEQDlfXd3hPcpTkU8xHYBTg Follow host Dave TempleIG https://www.instagram.com/imdavetemple/ YouTube https://www.youtube.com/@DAT46Follow guest Krystyna HutchinsonIG https://www.instagram.com/krystynahutch/ Follow guest host Simeon GoodsonIG https://www.instagram.com/simdelacreme/ Follow No Need for ApologiesIG https://www.instagram.com/nnfapodcast/ TT https://www.tiktok.com/@noneedforapologies FB https://www.facebook.com/noneedforapologies/Produced by Teona SashaIG https://www.instagram.com/teonasasha/TT https://www.tiktok.com/@teonasasha -----------------To advertise your product on our podcasts please email jimmy@gasdigitalmarketing.com with a brief description about your product and any shows you may be interested in advertising on.SEND US MAIL:GaS Digital StudiosAttn: NNFA151 1st Ave # 311New York, NY 10003"No Need for Apologies" - NEW Episodes every Saturday at 3PM/ET on YouTube-----------------⏱️CHAPTERS00:00 Intro00:45 Welcome to the Show00:50 Derek Is Missing?! 02:31 Krystyna Hutchinson Joins the Show05:20 NYC Heat Wave & World Cup Plans ⚽07:49 Dave's Apology of the Week20:00 "My Mom Was My First Bully"21:20 Simeon Goodson Joins the show23:02 The "I Hate My Mom" Playlist28:50 Raising Daughters & Puberty Conversations39:50 Are Streamers the New Celebrities?49:40 Jussie Smollett Is Back57:00 Ray J & Family Dynamics01:05:00 Embarrassing Your Parents01:14:59 Taylor Swift, Travis Kelce & MSG Wedding Rumors01:21:50 Krystyna in the Beyoncé Movie01:25:02 OutroSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Black and Snerdy, Ode (⁠@thatsod.e⁠ / ⁠@thatsod_e⁠) and Mo "Kid" Licorish (⁠@licorishislegit⁠) talk with Supreme Sensai about DreamCon hosting, creator finances, and postpartum pressures. The panel react to the Pooh Shiesty leaked footage and the Gucci Mane connection, break down the Ray J versus Orlando Brown viral clip and the “show all the hundreds” moment, and the Yu-Gi-Oh hygiene issue that caused a tournament to be suspended. Supreme Sensai opens up about the logistical realities of convention life and being a new parent while balancing creator work.The episode moves into a We Big Mad segment that covers invoice headaches and customer-support frustration, as well as a candid mental-health check-in on postpartum stress. A baby cameo provides an emotional beat amid the banter making for a landmark episode. Supreme Sensai is a content creator, host, and community builder known for blending gaming, culture, and entertainment. Known throughout the gaming and anime community as “Mother”, she has partnered with brands including Nike, Fortnite, and Mountain Dew while hosting major gaming events and conventions. She is also the founder of The Island, a creator community dedicated to helping the next generation of creators grow.Supreme SensaiContent Hub: https://beacons.ai/supremesensaiThe Island: https://theislandcollective.my.canva.siteConnect with the Snerdy Crew:Watch, Listen, or Sponsor the show: ⁠https://beacons.ai/blackandsnerdy⁠⁠

This episode dives into the viral Ray J moment that has the internet doing a double take. We break down exactly what was said, why it's blowing up, and how people are reacting in real time. From shock to straight-up concern, this conversation has everyone asking the same question: did he go too far?We're unpacking the clip, the context, and the backlash—plus what this says about celebrity culture, boundaries, and the kind of stories that should probably stay untold. It's raw, it's unfiltered, and yeah… it might make you question everything you just heard.Tap in and decide for yourself.

Presented by Happy Dad Hard Seltzer. Find Happy Dad near you http://happydad.com/find (21+ only). Video is available on https://youtube.com/@onenightwithsteiny/videos. Follow Steiny on Instagram http://instagram.com/steiny. Check Out PrizePicks

Episode 175: What's Poppin We're back this week yet again! tune in as we catch up with the chaos that has been happening around Roots Picnic Experience at Hollywood Bowl review Court Ordered - judge in atl reprimanded for loud sex in her chambers with an ATL police officer! Karmelo Anthony case - Retrial with new pro bono legal team BET Awards 2026 - Hosted by Druski R&B Tour kicks off in Denver, CO - Mario & Eric Bellinger are the official openers Jay-Z's Reasonable Doubt album turns 30, turned an abandoned subway station to a tribute of the album, also HBO MAX 8-part docuseries, produced by Daniel Kaluuya and Directed by Rick Rubin - set to debut in the fall. B2K versus Pretty Ricky - Pretty Ricky won ! Tiny Desk highlights Celebrity boxing match on ESPN with RayJ & Supa Hot fiya Meghan Trainer & Jazmin Sullivan new looks, who dis? Wanda Sykes Netflix special Company Retreat on Amazon Prime PanAm returning to Airways The Roast of Kevin Hart - controversy did jokes by white men go too far? 2026 Met Gala review - art is fashion AMA's review Ludacris - Pull Over + video Love Island Season 8 Obama Presidential Center Knicks win NBA championship after 53 years World Cup

Send us Fan MailTrue to Ray J's signature style, his request of his 12 girls this week is to show hole on video. JK, he doesn't explicitly ask for hole but we all know it's implied, because it's sO loNeLy oN tHe rOaD or whatever. But Ray J might've gotten more than he bargained for with these video chats. TUNE IN to hear about episode 2 y'all! Do you have love for Ray J? Let's go. 

This week, we break down another wild mix of headlines in entertainment, politics, sports, and internet culture. We get into Ray J going viral after opening up on Adrien Broner's livestream, the latest on the U.S. and Iran trying to come to terms on a broader peace deal after a temporary halt in fighting, and the Texas couple behind the “Blessings in No Time” pyramid scheme getting sentenced to 40 years each in federal prison. We also discuss the tragic police shooting at a Mississippi Walmart that left 1-year-old Kohen Wiley dead, recap of UFC event on the White House South Lawn , the New York Knicks winning their first NBA title since 1973 and what their future looks like, and Ice Cube's BIG3 taking steps toward the public markets. All that and more on this week's episode. for more,

R&B singer, songwriter, and fan favorite Sammie joins the R&B Money Podcast for an honest conversation about longevity, reinvention, and staying true to yourself in the music industry.From becoming a star at just 12 years old with his breakout hit "I Like It" to evolving into one of R&B's most respected independent artists, Sammie shares the highs, lows, and lessons from more than two decades in the business.Tank and J. Valentine sit down with Sammie to discuss his early success, navigating the transition from child star to adult artist, the importance of artist ownership, and how he's continued to build a loyal fanbase throughout every era of R&B.The conversation also dives into RSVP, the R&B supergroup featuring Sammie, Ray J, Bobby V, and Pleasure P. Sammie shares his perspective on the group's formation, viral moments, brotherhood, challenges, and what the future may hold for one of R&B's most talked-about collaborations.See omnystudio.com/listener for privacy information.

Reality star Joseline joins the We In Miami Podcast for an exclusive interview and holds nothing back!

The squad helps a homie named Carlos determine if he should confront his friend after a 14-year-old guest was caught "looking for the bathroom" in a bedroom where $300 went missing. Between the family drama, the crew roasts Ray J for getting called "musty" on a live stream and reacts to Matt Damon's questionable attempt at a rap career for charity. [Edited by @iamdyre

Things get out of control as Ray J gets embarrassed on live stream after his girl says he smells a little "musty" instead of like expensive Baccarat cologne!

Send us Fan MailWOW! We feel like we're back at home. Returning to the familiar dating by elimination style reality show, we're introduced to an all new cast of 14 beautiful women fighting for the heart of 1 Ray J / Tae J. There's magic tricks, tears, face tattoos, and cracks in the earth. Come along this journey with us, y'all! There are 14 girls walking in the door tonight, but only 12 get to stay. Who will be the first 2 losers? 

May 31st. What a day. What a WONDERFUL day. It's the second annual listening of Ray J's call into The Breakfast Club, and Chanel brought even more to the party. Someone grab the peanut butter. Twitter: @ChanelCreating, @RatchetBookClub, @ThatCoolBlkNerd, @Scarfinger, @SpadesTableBecome a Patron at http://www.Patreon.com/singlesimulcastDonate to the show at http://www.buymeacoffee.com/sscast

Welcome to Afternoon Tea w/ Killah Bee! ☕️

May 31st. What a day. What a WONDERFUL day. It's the second annual listening of Ray J's call into The Breakfast Club, and Chanel brought even more to the party. Someone grab the peanut butter. Twitter: @ChanelCreating, @RatchetBookClub, @ThatCoolBlkNerd, @Scarfinger, @SpadesTableBecome a Patron at http://www.Patreon.com/singlesimulcastDonate to the show at http://www.buymeacoffee.com/sscast

Hilarious livestreamer BenDaDonnn joins the boys to discuss glazing Drake so hard he got featured on an album, perks of hooking up with white girls and black girls, Bob Menery Vs Johnny Manziel fight, his future on Adin Ross' Brand Risk, Rubi Rose dating rumors

Chelsea and Catherine discover the origin of the name Ray J and solve geographical conundrums for the polycule. * Need some advice from Chelsea? Email us at DearChelseaPodcast@gmail.com * Executive Producer Catherine Law Edited & Engineered by Brad Dickert * * * The views and opinions expressed are solely those of the Podcast author, or individuals participating in the Podcast, and do not represent the opinions of iHeartMedia or its employees. This Podcast should not be used as medical advice, mental health advice, mental health counseling or therapy, or as imparting any health care recommendations at all. Individuals are advised to seek independent medical, counseling advice and/or therapy from a competent health care professional with respect to any medical condition, mental health issues, health inquiry or matter, including matters discussed on this Podcast. Guests and listeners should not rely on matters discussed in the Podcast and shall not act or shall refrain from acting based on information contained in the Podcast without first seeking independent medical advice. See omnystudio.com/listener for privacy information.

Chelsea and Catherine discover the origin of the name Ray J and solve geographical conundrums for the polycule. * Need some advice from Chelsea? Email us at DearChelseaPodcast@gmail.com * Executive Producer Catherine Law Edited & Engineered by Brad Dickert * * * The views and opinions expressed are solely those of the Podcast author, or individuals participating in the Podcast, and do not represent the opinions of iHeartMedia or its employees. This Podcast should not be used as medical advice, mental health advice, mental health counseling or therapy, or as imparting any health care recommendations at all. Individuals are advised to seek independent medical, counseling advice and/or therapy from a competent health care professional with respect to any medical condition, mental health issues, health inquiry or matter, including matters discussed on this Podcast. Guests and listeners should not rely on matters discussed in the Podcast and shall not act or shall refrain from acting based on information contained in the Podcast without first seeking independent medical advice. See omnystudio.com/listener for privacy information.

PLEASE SIGN UP ON PATREON, EVEN IF IT'S FOR FREE! Posting everything here has become a burden, and if you're only listening to this feed you probably aren't getting all of the episodes. Sign up now at Patreon. It’s two podcasts (Pod Yourself and the Frotcast) for the price of one! Patreon dot com slash frotcast! This episode is free, but $5 a month gets you all the premium ones (two a week!). This week on the Frotcast, bitter infighting consumed the group chat as the third day of negotiations about what to watch for this episode reached an impasse. While the talks were Vanced, the Strait of Discourse stayed mercifully open. What we're trying to say is, We didn't watch a movie this week. Sorry. Rapper/pornographer Ray J has months to live. He also has a very strange interview with Cam Newton's silly hat. Ray J answers the question “Are you gay?” with a story about what people do when they go home. It gets worse from there, believe it or not. A sample exchange: Ray J: “Do you listen to Biggie Smalls?” Cam: “Can you just answer my question?” We'll always love you for moving your hat 7 times in a 30 second conversation, Ray J. What we do in life echoes in eternity. Then we get some IRL Kyle Mooney action when streamer 4_Inches gets spotted at In N Out Burger (drink!) by Jakob with a K (drink!), the lead singer of Sublime (drink!). What follows is one of the dumbest conversations we've ever been privileged to hear. This then leads to one of the Frotcast's top two or three Nobel Prize-worthy anthropological theories; Socal bros = saltwater juggalos (drink!). Next, many are calling it The Most Australian Story Ever: man uses his dog to unsuccessfully bludgeon a murderous crocodile but is mercifully saved by a Sheila having a ciggy and his mate Kevin Bevin, who then blesses us with a wonderful new term for a penis. Finally, someone tried to assassinate Trump again, but this time it was a libbed out soyboy who geared up for murder and then took a mirror selfie doing the Lin-Manuel Miranda lip bite. WHY DOES THIS KEEP HAPPENING?? Perhaps making campaign pledges to only the most insane people in America and then aggressively doing the opposite has some sort of deleterious effect on said crazy people. Who can really know what is in anyone's heart though? The Frotcast's official BPD GF Olivia Reingold did what any good WCHP dinner journalist would do and documented the action by taking a selfie video. You can poison our houseplants any day, girl.

----- Shout out to all our members who make this content possible, sign up for only $5 a month https://www.youtube.com/channel/UCNNTZgxNQuBrhbO0VrG8woA/join Promote Your Music with No Jumper - https://nojumper.com/pages/promo CHECK OUT OUR ONLINE STORE!!! https://nojumper.com NO JUMPER PATREON http://www.patreon.com/nojumper CHECK OUT OUR NEW SPOTIFY PLAYLIST https://open.spotify.com/playlist/5tesvmDS8h50LkjnSAWMOs?si=j6sJD6DkR4mk5NZZWnlK7g Follow us on SNAPCHAT https://www.snapchat.com/discover/No_Jumper/4874336901 Follow us on SPOTIFY: https://open.spotify.com/show/4z4yCTjwXa4an6sBGIe7m5 iTunes: https://itunes.apple.com/us/podcast/no-jumper/id1001659715?mt=2 Follow us on Social Media: https://www.snapchat.com/discover/No_Jumper/4874336901 http://www.twitter.com/nojumper http://www.instagram.com/nojumper https://www.facebook.com/nojumper http://www.reddit.com/r/nojumper JOIN THE DISCORD: https://discord.gg/Q3XPfBm Follow Adam22: http://www.instagram.com/adam22 adam22bro on Snapchat Learn more about your ad choices. Visit megaphone.fm/adchoices

Jump in with Carlos Juico and Gavin Ruta on episode 289 of Jumpers Jump. This episode we discuss: Obsession movie theory, Changing consciousness, True mirror, Perception of yourself, Energy & frequency, Bryce Crawford, Burning man, Revelation prophecies, Natural disasters, Volcano eruption meteor crash, Soulmate theories, Spiritual theories, Thinking in story mode, Modifying your body, Soul theory, Aesthetic, Neurolink, Chat gpt hacks, Emotional intelligence, Burning yourself out, Deeping things, Happiness, The less you know the better, 2026 World cup prediction theory, Epstein files NBA Finals predictions, Stick to the script, Ray J knock out and much more! Follow the podcast: @JumpersPodcast Follow Carlos: @CarlosJuico Follow Gavin: @GavinRutaa Check out the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/JumpersJumpYT Learn more about your ad choices. Visit podcastchoices.com/adchoices

Go to http://hims.com/jefffm to get online access to personalized, affordable care for ED, Hair Loss, Weight Loss, and more. Your new wardrobe awaits! Get 20% off @chubbies with the code jefffm at https://www.chubbiesshorts.com/jefffm  #chubbiespod If you've got something to sell, sell it yourself. $1/month trial at http://shopify.com/jefffm   Learn more about your ad choices. Visit megaphone.fm/adchoices

Van and Rachel are back from the holiday break to react to Kevin Hart's response to problematic jokes at his roast, updates in the fight against redistricting, and Spencer Pratt's appeal to L.A. voters. Plus Jaxson Dart's MAGA moves, and Ray J gets KO'd. (0:00) Intro (15:54) Kevin Hart responds to roast critics (41:20) Iran conflict update (56:40) The redistricting battle (1:12:37) White wine spritzers (1:21:13) Spencer Pratt on homelessness (1:38:31) Jaxson Dart, Abdul Carter, and MAGA (1:49:03) Ray J's knockout Hosts: Van Lathan and Rachel Lindsay Producers: Donnie Beacham Jr. and Jade Whaley Social Producer: Bernard Moore Video Supervision: Chris Thomas and Jacob Cornett Learn more about your ad choices. Visit podcastchoices.com/adchoices

Brendan tries to convince Chris to do peptides and the guys talk trying new menu items at a restaurant, Erik no longer eating pizza after getting sick, food poisoning stories, the first movies they took their kids to see, whether or not Home Alone was a "scary" movie, Chelsea Handler's post Kevin Hart Roast comments, Brendan's insane strength, MVP vs BrandRisk fight events, Ray J fighting, Johnny Manziel vs Bob Menery's MMA fight and much more! Get this episode AD FREE + 2 PATREON ONLY episodes/month only at https://patreon.com/thegoldenhourpodcastSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Steve Harvey Morning Show for Friday, May 29th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "The Barbershop" | Ask The CLO | Trending & Entertainment News | Michelle Obama Speaks on Viola Davis Portrayal | Roscoe Wallace | Nephew Tommy's Prank - "Side Job Cleaners" | Strawberry Letter - "Potty Mouth and Smokey Clothes" Pt. 1-2 | Junior's Sports Talk | Summer Plans | Nasty Delivery Driver | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Crash's Mackenzie Shirilla prison calls to her mom, Green Bay Packer Josh Jacobs arrested & released, Luigi Mangione super fans, don't crowd Russell Crowe, Ray J dying ASAP, Meghan Markle's fashion rebrand, and The Man Show Boy today. Donald Trump likes basketball and is heading to watch the NBA Finals.  Kathy Hochul makes a gaffe trying to take a shot at the President. Ray J is still in the hospital after getting knocked out in celebrity boxing this weekend. Nikki Glaser thought the George Floyd joke was too forced. Britney Spears is heading down the wrong path. Mark Zuckerberg's yacht gets booed in Seattle. What does the Man Show Boy look like today? Sharyn Alfonsi OUT at 60 Minutes. Drew likes watching engineering flaws in buildings on YouTube. Green Bay Packer RB Josh Jacobs was arrested for domestic violence… then released. Mackenzie Shirilla is the most hated person on Netflix these days. The prison phone calls are out and we break them down. We're still in awe of Toledo's kindergarten brawl. YouTubers are taking over Hollywood. Brogan is still creating fantastic content on YouTube. Greeks aren't happy with Christopher Nolan. Russell Crowe crowd control. JLo posted a Memorial Day thirst trap. Her new movie, Office Romance, will likely BOMB. Press passes for Luigi Mangione's trial are given to his super fans. Chicks love the murderer. Spencer Pratt wants ICE and murderers out of LA. Karen Bass posted herself breaking the law. Markleverse: Meghan Markle's kitchen is outdated. She can't even post on Instagram with good sound quality. Markle is looking to re-brand to fashions. Nobody wants to kidnap Meghan. Sarah Ferguson and Diddy got it on. Prince Andrew is obsessed with teddy bears. JPMorgan sex scandal! JPMorgan deli platter scandal! Donald Trump is in perfect health. The Freedom 250 State Fair is going to be off the hook. Joe Biden is suing the Justice Department. There is a rumor that Tom Mazawey will be getting permanent free food from Rock & Brews. Merch is for sale! Buy it. Or don't. But do. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (Drew Lane, Marc Fellhauer, Trudi Daniels, Jim Bentley, BranDon, and Roberto).

This episode is sponsored by BlueChew.Try BlueChew and discover your options at https://www.Bluechew.comUse promo code: DIYSWhen you buy 2 months of BlueChew Gold, you get the 3rd month FREE.This episode goes from Ray J getting knocked out to terrifying UFO footage over an erupting volcano, the “Birds Aren't Real” conspiracy, simulation theory, hip hop culture, social media algorithms, China's futuristic technology, and why older men still trying to impress people in the club might need to let it go.Tahir Moore and Patrick Cloud break down the wildest stories online while also getting surprisingly deep about ego, status, community, and how social media is changing everybody.

 The latest episode from the JBP begins with the New York Knicks heading to the NBA Finals for the first time since 1999 after sweeping the Cleveland Cavaliers (31:50) before turning to Ray J's MMA match over the weekend (43:20). Kevin Hart appears on The Breakfast Club and defends Tony Hinchliffe (1:17:30), more on Cheyenne Bryant (1:48:00) plus the latest viral video of her back and forth with Toure (2:05:00). Also, Joe praises Yung Miami's new single 'Spend Dat' (2:14:42), Jim Jones wants to do a Verzuz against Cam'ron (2:20:00), Jaxson Dart introduces Trump during a rally leading to teammate Abdul Carter responding publicly (2:35:22), and much more! Become a Patron of The Joe Budden Podcast for additional bonus episodes and visual content for all things JBP! Join our Patreon here: http://www.patreon.com/joebudden 

Podcast Poll HERE:https://forms.gle/JesJs3PtUyzJCmx28Thank You To Our Sponsors:Policy Geniusgo to www.policygenius.comLeesago to www.leesa.com promo code "sk"Green Chefgo to www.greenchef.com/50skBuy Angel & Marcus Tour Tickets Here:http://linktr.ee/thatchickangel00:00 Church Announcements03:05 Ray J Got Knocked Out23:44 The Enhanced Games38:40 Bonnet Down, Legs Up49:44 The CrashJoin the patreon to support the creators and the content you would like to see. www.kevonstagestudios.comCheck out more of kev at www.kevonstage.com

Get Your Tickets Now for The No Jumper Live Show @ The El Rey Theatre 6/24 https://www.axs.com/events/1432435/no-jumper-tickets ----- Shout out to all our members who make this content possible, sign up for only $5 a month https://www.youtube.com/channel/UCNNTZgxNQuBrhbO0VrG8woA/join Promote Your Music with No Jumper - https://nojumper.com/pages/promo CHECK OUT OUR ONLINE STORE!!! https://nojumper.com NO JUMPER PATREON http://www.patreon.com/nojumper CHECK OUT OUR NEW SPOTIFY PLAYLIST https://open.spotify.com/playlist/5tesvmDS8h50LkjnSAWMOs?si=j6sJD6DkR4mk5NZZWnlK7g Follow us on SNAPCHAT https://www.snapchat.com/discover/No_Jumper/4874336901 Follow us on SPOTIFY: https://open.spotify.com/show/4z4yCTjwXa4an6sBGIe7m5 iTunes: https://itunes.apple.com/us/podcast/no-jumper/id1001659715?mt=2 Follow us on Social Media: https://www.snapchat.com/discover/No_Jumper/4874336901 http://www.twitter.com/nojumper http://www.instagram.com/nojumper https://www.facebook.com/nojumper http://www.reddit.com/r/nojumper JOIN THE DISCORD: https://discord.gg/Q3XPfBm Follow Adam22: http://www.instagram.com/adam22 adam22bro on Snapchat Learn more about your ad choices. Visit megaphone.fm/adchoices

In Hour 3 of the show, Jonas Knox, Brady Quinn, & LaVar Arrington, chat with Petros Papadakis as they discuss all things local such as the chemical leak in Garden Grove. Plus, the guys react to Greg Olsen winning an Emmy, we have a Ray J edition of The Leftovers, and more!!See omnystudio.com/listener for privacy information.

"Who is Ray J?" Mike loves watching people fight each other for money, but even he struggled with the fights from over the weekend, including Johnny Manziel and Michael Beasley. Then, is the modern NBA forcing us to rethink the all-time great? And why in the world did Jaxson Dart think introducing Donald Trump at a rally was a good idea? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Happy Memorial Day! It was a slow news weekend, so the crew catches up about the Knicks’ Game 3 win in Cleveland, and their weekend plans that were ruined by the rain. DJ Hed is under fire for editing disses out of Drake’s “2 Hard 4 The Radio”, Spotify and UMG announce their new AI features coming soon, and Ray J gets knocked out in his MMA debut. Jim Jones calls out Cam’ron for a Versuz battle, and a listener calls out Mal for questioning JID and J.Cole’s relationship. All lines provided by Hard Rock Bet Visit your nearest Boost Mobile store or https://www.boostmobile.com/promo/25-forever Bask and Lather use code RORYANDMAL for 20% off:See omnystudio.com/listener for privacy information.

DUI Dash Cam of Britney Spears released, Eli Zaret on the failing Detroit Tigers, RIP Kyle Busch, White House shooting, Stephen Colbert's final Late Show, Chelsea Handler still mad about the Kevin Hart roast, Dr. Chris Brown, Elliot Page memes, and graduation fight videos. Trudi (and Doug Podell) starred in the St. Clair Shores parade. Sponge absolutely ROCKED Rock & Brews Thursday night. Eli Zaret drops by as the Detroit Tigers season is already over, the Detroit Pistons are out of the playoffs, New York Knicks>Cleveland Cavaliers, Travis Kelce embarrasses Taylor Swift courtside, NBA vs their fans, Eli vs Women's MMA, Johnny Manziel MMA fights, Ray J fights, Henry Ruggs wants out of prison, a 24-team CFB Playoff, ESPN's obsession with hot dogs, the White House rumble June 14th, Florida's Teddy Bridgewater Act, Jack Campbell extended by the Detroit Lions, and BranDon challenges everyone in the audience to a fight (for $100K). The Crash's Mackenzie Shirilla is getting it on in prison and creating content. Stephen Colbert wrapped it up drawing 6.7M viewers. Colbert went on Monroe Community Access TV after the finale. Blue Dot Fever is taking over the nation as artists cancel tours. The dash cam of Britney Spears' DUI has been released. Breaking News: She's a loon. RIP NASCAR's Kyle Busch. The Indy 500 had an awesome ending. The WNBA sucks. Did you know a woman played for the Indiana Pacers. Drew Carey hates Spencer Pratt. Chelsea Handler hates jokes, whites, males, Shane Gillis, Tony Hinchcliffe, and the patriarchy. There was a shooting at the White House. Donald Trump Jr. got married. His ex was just diagnosed with breast cancer much to Tiger Woods' chagrin. Teen Takeovers are running amok in Chicago. Check out this graduation fight. Chris Brown is a doctor. 8th grade is full of so much trauma. Elliot Page memes are sweeping the internet. Sydney Sweeney was nude again on TV. Markleverse: Prince William did an interview. Here is an actual conversation with Meghan Markle in the Royal Palace. Mike Tindall hates Prince Harry. Meghan Markle's chocolate is the worst. Merch is for sale! Buy it. Or don't. But do. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (Drew Lane, Marc Fellhauer, Trudi Daniels, Jim Bentley, BranDon, and Roberto).

Rod and Karen banter about commercials with famous celebrities, birthday cake, Red Bull and free ice cream samples. Then they discuss CBS News Boss 'Furious' Over Anderson Cooper's '60 Minutes' Farewell: Report, Trump’s Justice Department scrubs its website of news releases about Jan. 6 defendants, RFK Jr blames Tylenol for autism again, Black Capitalism™ (Queen Latifah, Megan Thee Stallion, Kanye West), Black Folks Business™ (Ray J, Cardi B going after Tasha K again, TX embalmer has case dismissed), man destroys chiropractor sign, woman shoots two attorneys outside courthouse, man replaces legos with pasta and sword ratchetness. Patreon: https://www.patreon.com/theblackguywhotips Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@rodimusprime⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@SayDatAgain⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@TBGWT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@TheBlackGuyWhoTips⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠theblackguywhotips@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.theblackguywhotips.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Teepublic Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠- https://the-black-guy-who-tips-podcast.dashery.com/ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon Wishlist⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – https://www.amazon.com/hz/wishlist/ls/1PDD9JUQUNVY5?ref_=wl_share ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Crowdcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – https://www.crowdcast.io/theblackguywhotips Voicemail: ‪(980) 500-9034Go Premium: https://www.theblackguywhotips.com/premium/See omnystudio.com/listener for privacy information.

The End is here! Ari's new storytelling show is $5.99 per episode at https://theend.ymhstudios.com/ There's a total of 7 episodes for you to enjoy! SPONSORS: - Sign up for your one-dollar-per-month trial today at https://shopify.com/ymh. - Right now, when you buy two months of BlueChew Gold, you get the third for FREE with promo code YMH. Welcome back to another episode of Your Momma's Place! Christine is still off on the road so Tom is joined by another Jew, Mr. Ari Shaffir. Tom and Ari talk The End and share some stories that were interrupted a few weeks back on 2 Bears., Tom then opens the show with a video of pure black joy, which leads to Tom and Ari discussing the hierarchy of black compliments. Tom and Ari also get into a wild hypothetical involving Michael Jackson, another guy who killed his wife in the tropics, Bruce Bruce, favorite Porn genres, someone named Muddy Buck, plus Tom plays some Horrible or Hilarious clips, and the pair debate a question from a viral video that left Cam Newton speechless: "Is Ray J gay?" That and so much more on Yer Mum's Residence! Your Mom's House Ep. 858 https://tomsegura.com/tour https://christinap.com/ https://store.ymhstudios.com https://www.reddit.com/r/yourmomshousepodcast Chapters 00:00:00 - Intro 00:00:53 - Ari's Storytelling Show 00:04:21 - Dunked On By Black Kids 00:09:20 - Not As Good As You Thought 00:14:27 - Ciccio Bomba 00:19:28 - Opening Clip: Black Joy 00:21:32 - The Hierarchy Of Black Compliments 00:30:42 - Big Dick Feminism & Tom's Bruce Bruce Story 00:35:41 - Cutting Stuff Out 00:41:32 - Murder In The Bahamas 00:47:37 - Muddy Buck & Favorite Porn Genres 00:55:18 - Michael Jackson Would You Rather? 00:58:39 - Horrible Or Hilarious 01:10:11 - Is Ray J Gay? 01:21:54 - Ari's Production Cards 01:24:58 - Wrap Up 01:26:59 - Closing Song - "Flender Jewid (AKA Gender Fluid In Your Mouth) by ToasterTub Learn more about your ad choices. Visit megaphone.fm/adchoices