Podcasts about Real

Jump in with Carlos Juico and Gavin Ruta on episode 279 of Jumpers Jump. This episode we discuss: Don't Look Up, World ending theories, Our final days, Bruno Mars Billionaire theory, Epstein Manga, Timothee Chalamet humiliation ritual, The Oscars Ancient Egyptian Satanic rituals, Weapons movie, Time travelled confirmed, Hillary Clinton leaked emails, Giants are Real, America Ancient Egypt theory, Hidden civilizations, Tartarian theory, Global Warming melting frozen creatures, The government controls the weather theory, Digital world theories, Chat Gpt water, Darpa pentagon theory, Facebook theory, Lolita book, More Epstein files, Carlos speech mess up, Zooyork theory Military weaponized bugs, People don't want kids theory, Superbowl ad predicts our future, Guy who sees death reapers and much more! Thanks to our Sponsors: -Sign up for your $1 per month trial at https://www.shopify.om/jumpers -Visit https://prizepicks.onelink.me/LME0/JUMPERS and use code JUMPERS and get $50 in lineups when you play your first $5 lineup! -Get 10 free meals and a free knife on your third box at https://www.hellofresh.com/jumpers10fm -For a limited time, our listeners get 50% off FOR LIFE, Free Shipping, AND 3 Free Gifts at Mars Men at https://www.mengotomars.com 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

This version has the correct audio--thanks to those who let us know the last one wasn't right! From time to time we like to share episodes from other shows in the Faith Matters network that we think you'll really love, and today we're highlighting one of our new favorites from Article 13, the podcast hosted by Zach Davis.If you haven't discovered it yet, Article 13 is one of the most beautifully produced things Faith Matters does. The title comes from the thirteenth Article of Faith and that really captures the spirit of seeking that you'll experience in these episodes. These are rich, deeply researched explorations that bring together cutting-edge scholarship and spiritual wisdom to ask big questions about how we live.In today's episode, drawing on research from thinkers like Seth Kaplan and Pete Davis, we hear a compelling case that one of the central challenges of our time is a growing fear of commitment.Our culture tells us that the best life is the one where we keep our options open. But the irony is that the things that make life richest—friendships, tight-knit neighborhoods, shared projects, belonging—become possible when we choose to commit to one another. Real, rooted, showing-up-again-and-again community.Even though our tradition is built around covenant relationships, we're living in the same cultural waters that pull toward busyness, mobility, and individualism.This episode is both a diagnosis and an invitation. It's full of ideas and stories that might make you want to knock on a neighbor's door, join something local, or start something in your own community.We hope it sends you back to your people—your neighbors, your ward, your community—with a little more fire.And with that, here's Article 13.

From time to time we like to share episodes from other shows in the Faith Matters network that we think you'll really love, and today we're highlighting one of our new favorites from Article 13, the podcast hosted by Zach Davis.If you haven't discovered it yet, Article 13 is one of the most beautifully produced things Faith Matters does. The title comes from the thirteenth Article of Faith and that really captures the spirit of seeking that you'll experience in these episodes. These are rich, deeply researched explorations that bring together cutting-edge scholarship and spiritual wisdom to ask big questions about how we live.In today's episode, drawing on research from thinkers like Seth Kaplan and Pete Davis, we hear a compelling case that one of the central challenges of our time is a growing fear of commitment.Our culture tells us that the best life is the one where we keep our options open. But the irony is that the things that make life richest—friendships, tight-knit neighborhoods, shared projects, belonging—become possible when we choose to commit to one another. Real, rooted, showing-up-again-and-again community.Even though our tradition is built around covenant relationships, we're living in the same cultural waters that pull toward busyness, mobility, and individualism.This episode is both a diagnosis and an invitation. It's full of ideas and stories that might make you want to knock on a neighbor's door, join something local, or start something in your own community.We hope it sends you back to your people—your neighbors, your ward, your community—with a little more fire.And with that, here's Article 13.

On this Make A Difference Minute, we're reminded that access is something most of us never think about until it's taken away. Scott Phillips of the Outdoor Ability Foundation shares what happens when a child who once had to watch from a distance is finally able to be part of the moment. Through all-terrain chairs, kids who once sat on the sidelines are now exploring backyards, trails, and open spaces with freedom and independence. One young boy, Colton Moore, experienced snow in his own backyard for the very first time. That's not just a moment. That's a life-changing experience. This MADM is brought to you by Hydration Lounge, proudly supporting stories and the people who make our communities strong. Real stories. Real people. Real impact. News That Unites!™️

On this special game day edition of The Mark White Show, I'm joined by Drew and Abby Stutts of Freed-Hardeman University. This story began with a message from a proud dad in the Shoals, Miles Stutts, who simply wanted to share what his children were accomplishing. That message led to a conversation about family, leadership, and a season that may be historic. Both Drew and Abby led their teams to number one seeds in the NAIA National Tournament, something we're being told may be the first time for one school, and possibly the first time a brother and sister have achieved it together. Now, the story meets real life. Abby's season has come to an end after an incredible run, while Drew's team advances to the quarterfinals. In this conversation, they share their journey, the role their family played in shaping them, what it means to lead young people, and how they handle both success and disappointment. This is more than a basketball story. It's a story about impact, perspective, and purpose. Real stories. Real people. Real impact. News That Unites!™️

In this episode of the Rodes Live Podcast, we step into the ring—literally and figuratively. We break down the organized boxing match between JHE Rooga and K Mack, two figures who chose discipline over drama and used the boxing ring to resolve their differences.We discuss what led up to the bout, how the match came together, and why this movement toward organized conflict resolution matters in the community. Real accountability. Real growth. Real results.Rodes also weighs in with personal insight on how situations like this reflect larger issues in urban culture, communication, respect, and maturity.What's Poppin' Artist of the DayToday's spotlight goes to Rodes, featuring the standout track “Nevamind” produced by BootlegDaProducer. Tap in and experience raw lyricism, energy, and authentic hip-hop craftsmanship.Topics CoveredBreakdown of the Rooga vs. K Mack boxing matchHow organized boxing can replace street conflictCommunity impact and positive alternativesRespect, responsibility, and conflict resolutionHighlighting the “What's Poppin” artist of the day: Rodes – NevamindReflections on culture, ego, and accountabilityLinks

Send us Fan MailMost people are waiting for the right moment. The right motivation. The right feeling.That moment never shows up.In this episode Aaron breaks down a reality most people don't want to hear: motivation is unreliable and waiting until you “feel ready” is one of the fastest ways to stall progress. Real performance—whether it's military selection, fitness, or life—comes from discipline and systems, not hype.Aaron explains why the people who actually succeed aren't the most motivated. They're the ones who built habits that work even when motivation disappears. It's about showing up when it's boring, when it's uncomfortable, and when nobody's watching.If you're serious about improving your life or preparing for something difficult, this episode is a reminder that the work doesn't care how you feel today.⏱️ Timestamps00:00 Ones Ready intro 01:20 Motivation vs discipline explained 03:40 Why waiting to feel ready is a trap 06:10 Systems that remove decision fatigue 08:45 Building habits that survive bad days 11:20 The danger of relying on motivation 14:00 Doing the boring work consistently 16:50 Final thoughts on discipline and growth

Today, we pull back the curtain on a global headline. Not to debate. Not to distract. But to confront the dark reality few dare to face: the brutality of the Iranian regime.Paul M. Neuberger isn't here to repeat viral narratives. He's here, Bible in one hand, history in the other, to expose the suffering no hashtag will fix—women beaten, protestors disappeared, children silenced under a system that calls evil good and good evil.You won't hear this in the mainstream. Why? Because courage will cost you—ridicule, backlash, exile from the comfortable crowd. But we're not called to comfort. We're called to kingdom clarity.Justice demands more than outrage—it demands moral courage.Jesus is still Lord—even when the West goes silent.The line's been drawn. When your moment of truth comes, where will you stand?Buckle up. This one's going to be raw, real, and rooted in the Word."Woe to those who call evil good and good evil, who put darkness for light and light for darkness, who put bitter for sweet and sweet for bitter." –Isaiah 5:20Episode Highlights:07:18 – Instead of asking questions, people assume motives. Instead of seeking facts, people repeat narratives. Instead of pursuing discernment, people react emotionally. But outrage isn't discernment. Emotion isn't wisdom. And viral opinions aren't the same thing as truth.38:24 – Christians aren't called to quietly tolerate injustice. We're called to expose it, not out of hatred, not out of vengeance, but out of a commitment to truth. The prophets of the Old Testament confronted corrupt kings and unjust systems. Jesus himself challenged the religious authorities of his day when they misused their power.41:49 – Real peace is the presence of justice, and justice requires the courage to confront systems that harm the innocent and silence the vulnerable. Millions of Iranians have spent years risking their safety to protest against their own government. Many of them have paid a terrible price for that courage. Their stories deserve to be heard. Connect with Paul M. NeubergerWebsite 

JOIN THE 7 DAY RESET - ▶️ www.therebuiltman.com/7dayreset   75% of Christian men watch porn. 67% of pastors have struggled with it. The average child is exposed at just 12 years old.   And one porn site gets over 100 million visits… every single day.   This isn't just a "bad habit."   It's a global epidemic — and most men have no idea how deep it goes.   In this episode of The Rebuilt Man, Coach Frank Rich breaks down 25 shocking, data-backed facts about porn that expose what it's really doing to your brain, your relationships, your identity, and your future.   This is not a conversation about shame.   This is a wake-up call.   If you've ever told yourself: "It's not that big of a deal"   "I've got it under control"   "Everyone does it"   …this episode will challenge everything you believe.   Because porn isn't just something you watch.   It's something that's shaping the man you're becoming.   What You'll Learn The real percentage of men, Christians, and pastors watching porn   The average age of first exposure (and why it matters)   How porn is impacting marriages, attraction, and intimacy   The shocking size of the porn and OnlyFans industry   Why most men stay stuck (and why willpower doesn't work)   What happens if you don't take control of this now   Why quitting porn is not about behavior — it's about identity   Key Takeaways Porn is not a private issue — it's a global system affecting millions of men   Most men were exposed young — but staying stuck is a choice   Porn rewires your brain and reshapes your standards for attraction   The longer you tolerate it, the more it costs you — in discipline, confidence, and purpose   Real freedom comes from rebuilding the man, not just stopping the behavior   The Solution Most men try to quit porn by relying on willpower.   That's why they keep failing.   Inside this episode, Frank breaks down why true change comes from: Structure   Accountability   Brotherhood   Identity transformation   This is the foundation of the Reboot Your Life framework.   Free 7-Day Porn Reset If you're ready to break the cycle and take control:  

As quartas de final da Champions League 2025/26 chegaram — e o chaveamento parece uma semifinal antecipada: PSG x Liverpool, Real Madrid x Bayern, Barcelona x Atlético de Madrid e Sporting x Arsenal. Felipe Lobo e Bruno Bonsanti analisam por que essa edição chegou ao momento decisivo com os melhores times já se eliminando entre si, o que os jogos de volta revelaram sobre o nível real de cada um dos classificados e como ler os confrontos que vêm aí. Mais: a CAF pune o Senegal, dá W.O. e coroa o Marrocos campeão africano.SEJA MEMBRO! Seu apoio é fundamental para que o Meiocampo continue existindo e possa fazer mais. Seja membro aqui pelo Youtube! Se você ouve via podcast, clique no link na descrição para ser membro! https://www.youtube.com/channel/UCSKkF7ziXfmfjMxe9uhVyHw/joinNEWSLETTER! Nossa newsletter chega toda sexta aberta a todos com nossos textos sobre o que rolou na semana, e às terças com conteúdo apenas para assinantes: https://newsletter.meiocampo.net/Conheça o canal do Bonsa sobre Football Manager, BonsaFM: https://www.youtube.com/@BonsaFMConheça o canal do Lobo sobre games, o Próxima Fase: https://www.youtube.com/@Proxima_FaseConheça o canal de Leandro Iamin sobre a seleção brasileira, o Sarriá: https://www.youtube.com/@SarriaBrasil

On this Make A Difference Minute, Josephine Simonson shares something many people never see. The emotional toll of waiting for a kidney donor. It's more than appointments and diagnoses. It's the weight of uncertainty and the hope that someone will step forward. Take a moment to listen and consider how one decision could change everything. This MADM is brought to you by Singing River Dentistry, proudly supporting stories and the people who make our communities strong. Real stories. Real people. Real impact. News That Unites!™️

On this edition of The Mark White Show, I'm having a conversation with Josephine Simonson as she shares her journey and her urgent need for a kidney donor. As part of a paired kidney exchange program, Josephine explains how even those who aren't a direct match can still play a role in saving her life through a chain of generosity. In the second segment, I'm joined by Scott Phillips of the Outdoor Ability Foundation. Scott is helping individuals with mobility challenges experience the outdoors through all-terrain chairs, opening doors to freedom, adventure, and renewed purpose. Two powerful conversations centered on hope, resilience, and the impact of stepping up for others. I hope you will listen & share. Real stories. Real people. Real impact. News That Unites!™️

Algorithms are quietly shaping desires, habits, and spiritual priorities in ways most people rarely stop to question. Ray, E.Z., Mark, and Oscar examine how algorithms function as invisible disciplers, learning behavior patterns, and feeding content designed to capture attention and influence decisions. The guys explain that every swipe, pause, and click trains the system to deliver material that amplifies dissatisfaction. What appears to be harmless entertainment often becomes a steady process of formation that reshapes values and expectations. Algorithms frequently appeal to sinful tendencies by encouraging consumerism, envy, and jealousy.The guys explore how algorithms increasingly replace real community with curated digital experiences. Online dating, influencer parenting culture, and social comparison loops can push people to evaluate life through aesthetics rather than substance. Many young adults and families unknowingly trade wisdom rooted in relationships for advice driven by engagement metrics. This shift can create anxiety, guilt, and unrealistic standards because algorithms reward emotional reaction rather than truth. When community is replaced by content, discernment weakens, and identity becomes tied to digital approval rather than spiritual growth.The conversation turns toward the deeper spiritual implications of digital formation. The guys emphasize that believers are not merely consuming media but being shaped by it, making intentional renewal of the mind essential. Algorithms themselves are not inherently evil, yet their influence becomes dangerous when self-control disappears. Modern platforms are engineered to mimic dopamine reward cycles, making endless scrolling feel productive while quietly draining time and focus. The guys encourage listeners to prioritize Scripture, prayer, and spiritual discipline before engaging with digital content so that technology serves faith rather than reshaping it.Finally, the guys offer practical direction for resisting passive digital discipleship. Time management, intentional habits, and occasional breaks from social media help retrain both attention and desire. Real wisdom grows through embodied relationships, where conversations sharpen understanding beyond surface-level agreement. Echo chambers fueled by algorithms can isolate people inside their own assumptions, weakening compassion and gospel outreach. By pursuing Christ-centered priorities and practicing disciplined engagement with technology, believers can ensure that their habits reflect devotion to God rather than conformity to digital influence.Send us Fan MailThanks for listening! If you've been helped by this podcast, we'd be grateful if you'd consider subscribing, sharing, and leaving us a comment and 5-star rating! Visit the Living Waters website to learn more and to access helpful resources!You can find helpful counseling resources at biblicalcounseling.com.Check out The Evidence Study Bible and the Basic Training Course.You can connect with us at podcast@livingwaters.com. We're thankful for your input!Learn more about the hosts of this podcast.Ray ComfortEmeal (“E.Z.”) ZwayneMark SpenceOscar Navarro

Most parents dread “the talk.” How much are you supposed to say? When do you start? What if you say the wrong thing? If you've ever felt awkward, unprepared, or secretly hoped your kid would just… figure it out somewhere else — you're not alone. But here's the truth: talking to your kids about sex doesn't make them reckless. Research shows it does the opposite. It reduces risky behavior, increases safety, lowers shame, and strengthens your relationship. And it's never too late to start. In this episode, we break down how to move beyond one big, terrifying “talk” and instead create short, ongoing conversations that actually work. No lectures. No shame. Just practical, real-world guidance from a licensed sex therapist who's been helping families navigate this for over 20 years.

Real ghost stories, paranormal encounters, and chilling supernatural experiences collide. This episode features haunted houses, spirit guides, and possible demonic activity. If you love true paranormal podcasts, unexplained mysteries, and creepy real-life stories, this episode is for you. Do you have your own Sinister Sighting to share?Email us your stories at aparanormalchicks@gmail.com If you want to introduce one of our Sinister Sightings, you can join The Creepinati @ www.patreon.com/theAPCpodcast and select (at least) the BOOtiful Creepster tier. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the HVAC School Podcast, host Bryan sits down with Jeff Staub, Director of OEM Sales for Danfoss North America, to explore one of the most rapidly evolving frontiers in the HVAC and refrigeration world: thermal management for AI data centers. With nearly 30 years of industry experience spanning technical support, application engineering, and product development, Jeff brings deep expertise on how the explosive growth of AI chip technology is reshaping data center cooling architecture — and creating major new opportunities for HVAC professionals, contractors, and facility managers alike. A central theme of the conversation is heat recovery — specifically, how the enormous amounts of heat generated by high-density GPU chips in modern data centers can be captured and repurposed rather than simply rejected into the atmosphere. Jeff explains that while heat recovery itself is not a new concept (supermarkets have used reheat coils and heat reclaim for decades), its application in AI data centers presents fresh challenges and possibilities. The heat coming off liquid-cooled server chips typically runs around 90 to 100 degrees Fahrenheit — useful, but not immediately at the temperature needed for most end applications like domestic hot water or space heating. Boosting that heat using heat pumps or feeding it into district energy systems, boiler pre-heat loops, vertical farms, or multifamily housing developments are among the most promising strategies being explored around the world. Jeff highlights a significant contrast between Europe and the United States in how heat recovery is being adopted. In Europe, where district energy networks are widespread, data centers can plug directly into community heating infrastructure — and projections suggest that 80% of European data centers will incorporate heat recovery in the near future. In the US, the picture is more fragmented: while opportunities exist at universities, hospitals, urban mixed-use developments, and facilities co-located with nuclear power plants, the economics are trickier. Key sticking points include who owns the capital expenditure for heat recovery modules and heat pumps, and who ultimately benefits from the recovered heat. Bryan and Jeff discuss how innovative ownership models — with landlords, municipalities, or co-tenants sharing infrastructure — are beginning to unlock these opportunities, and how co-generation arrangements with power stations present exciting long-term potential. The episode wraps up with highly practical guidance for HVAC contractors and facility managers looking to break into the data center space. Jeff encourages technicians not to be intimidated: the fundamentals of vapor compression, chiller systems, and fluid flow that HVAC professionals already know transfer directly to data center work. The key additions are familiarity with large centrifugal and screw compressors, variable frequency drives on pumps, glycol loop management, and central distribution unit (CDU) architectures. Bryan emphasizes that the boundary between HVAC and plumbing will continue to blur as secondary fluid pumping becomes more prevalent — and that staying curious and investing in ongoing training (through manufacturer programs like Danfoss Learning, Carrier University, and others) is the best way to ride this wave rather than get left behind. Both hosts agree: AI data centers are not going away, and the technicians who keep them cool will be indispensable. Topics Covered The evolution of data center cooling — from direct vapor compression on chips, to air-conditioned server rooms (CRAC units), to today's liquid cooling and chiller-loop architectures Why AI GPU chips generate unprecedented heat densities, with individual server racks approaching 250 kW to 1 MW of heat output What heat recovery means in the data center context: capturing hot water (90–100°F) off chip cooling loops instead of rejecting it to outdoor air The concept of 'heat quality' — why low-temperature waste heat is abundant but difficult to use directly, and how heat pumps solve the temperature-lift challenge Real-world heat recovery applications: district energy systems, boiler pre-heat, vertical farms, multifamily housing, hospitals, and universities Europe vs. the US: why district energy adoption makes heat recovery far more common in European data centers, and what the US can learn Business model challenges: who pays for heat recovery infrastructure, and how co-location, municipal incentives, and landlord ownership models can unlock value Co-generation opportunities: feeding recovered heat back into steam turbines at co-located nuclear or power plants How heat recovery makes heat pump technology more viable by raising the source temperature and reducing compression ratio Danfoss's role in data center thermal management — from compressors and drives to plate heat exchangers, CDU flow control, and prepackaged heat recovery modules Refrigerant transitions and what they mean for data center cooling (R-410A to R-454B, CO2 transcritical systems, potential two-phase refrigerant direct-to-chip cooling) The convergence of HVAC and plumbing trades in a world of secondary fluid pumping and isolated refrigerant charges Absorption chiller technology as a potential future use case for low-grade waste heat Advice for contractors: how existing chiller and refrigeration skills translate to data center work, and what new competencies to build Career and training resources: Danfoss Learning, manufacturer universities (Carrier, Trane, McQuay), and leveraging AI tools for self-education The importance of redundancy and uptime in mission-critical data center environments — and what that means for service response expectations   Learn more about Danfoss at danfoss.com/learning Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

Ben & Woods start the 8am hour with Woodsy explaining that he's actually, for the first time maybe ever since he's had children, he will have the house to himself this weekend! But he's not super thrilled about it. Then we play a game of "Real or Fake" before we get to our Throwback Thursday clip, and discuss Major League Baseball's latest reported corporate partnership. Listen here!

Most people think the hardest part of real estate is the market, the clients, or the uncertainty. And yes, those things can be challenging. But the real pressure often comes from something quieter.   Real estate asks you to do two full-time jobs at the same time.   You're expected to transact at a high level—managing deals, deadlines, negotiations, and client expectations—while also building the business that will produce the next deal months from now.   The problem is that transacting is urgent. It demands immediate attention. Business development is important, but the payoff is delayed, so it's easy to push aside when things get busy.   Over time, you get very good at managing what's in motion, but inconsistent at creating what comes next.   And maybe part of the shift is this: what if checking in isn't about you at all? What if it's simply about staying connected?   Filmed in Studio 1873 as part of the Mastery of Real Estate (MORE) Network, powered by Brown Harris Stevens.   Subscribe to Talking New York Real Estate: https://podcasts.apple.com/us/podcast/talking-new-york-real-estate-with-vince-rocco/id1645541166   Connect with Vince Rocco: https://www.bhsusa.com/real-estate-agent/vince-rocco   Guests:   Jared Antin Molly Townsend   Sponsor:   Roadway Moving and Storage — Full-service moving and storage company | https://www.roadwaymoving.com   Brown Harris Stevens is one of the largest privately owned real estate brokerages in the country, with more than 40 offices across four states: New York, New Jersey, Connecticut, and Florida.   https://bhsusa.com/

On this Make A Difference Minute, I share the difference between checking in and truly showing up for others. This message encourages listeners to go beyond quick messages and offer real presence, reminding people that being there can make a lasting impact. This MADM is brought to you by Premier Structures, Inc., proudly supporting stories and the people who make our communities strong. Real stories. Real people. Real impact. News That Unites!™️

OB427: The Dreaded Kilo Released to show supporters on 3/4/2026 Public release scheduled for 3/18/2026 Have a great week, and thanks for listening to Opposing Bases Air Traffic Talk! ✈️ Real pilots. Real controllers. Real talk.

Welcome to Wholesale Hotline Podcast (Wholesaling Inc Edition), where Brent brings unmatched energy and no-BS strategies straight from his own real-world wholesaling business to help you crush it in yours.Show notes -- in this episode we'll cover:Master cold calling, lead generation, and sales scripts to consistently close deals.You'll learn the latest on the most cutting-edge techniques—like PPC, texting, and automated follow-up systems.Learn how to build confidence, overcome objections, and dominate your local market.Brent shows how talking to people is the fastest, most direct path to wholesale success.Real-life case studies, role plays, and mindset shifts that turn hustle into high income.Please give us a rating and let us know how we are doing!➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖☎️ Welcome to Wholesale Hotline & TTP Breakout

Episode 2771 - Today is a high energy green show! It is a message of hope and direction. Topics covered include. Who are the real planetary rulers? Why won't Christians discuss these topics? This is a deep deep rabbit hole show! What are we capable of as Christians having a blood covenant with the most high God? How are the global rulers tied into an inter-dimensional matrix? Why child sacrifice? Are there other species that we don't know about inter-dimensionally? How do these entities eat? Where does their sustenance come from? What are the names of these entities? Why are they poisoning the planet? How does stress from never-ending wars affect your health? CERN, GMOs, chemtrails, AI, Morgellons, fluoride, autism, smart dust, perversion, drugs, soul cooking, secret societies, transhumanism and the Power of REAL prayer is covered. This is a must-listen green show!.

In this solo episode of the Smart Real Estate Coach Podcast, I go straight into the trenches on a topic that frustrates most investors but fires me up: overpriced homes. Most investors run from them, argue with sellers, or waste time trying to prove them wrong. I want to show you why I love them, how to think about them differently, and how to turn them into real creative finance opportunities.     I break down why overpriced homes usually mean little competition, why motivation often reveals itself over time, and how to stop fighting with sellers over comps and instead move to their side of the table. I walk through the exact language we use to uncover motivation, how to position premium prices with premium terms, and why principal-only payments can make a "high" price completely workable. I also explain the one key question that tells you whether a seller is worth following up with or not.    If you want more subject-to deals, owner financing deals, and three-payday opportunities without chasing dead leads, this episode will help you see overpriced properties as one of the best niches in creative real estate.   Key Talking Points of the Episode   00:00 Introduction 01:26 A peek inside the In the Trenches Bootcamp 02:13 What most investors do wrong with overpriced homes 03:30 Why creative investors love overpriced homes 04:18 Stop sitting across the table from the seller 05:11 The key reframe: the market makes up the numbers 06:15 What happens in the conventional market 07:30 Why creative deals are the better path 09:10 Free discovery session with the Smart Real Estate Coach team 10:21 Sample scenarios: free and clear homes, sellers with mortgage and equity 11:03 Why longer terms can justify a premium price 12:11 The most important question in the whole script 13:20 How to decide your follow-up strategy 14:03 The Smart Real Estate Coach system in REI BlackBook 15:10 The one constant in real estate: market changes 16:20 Real 3 Payday potential and 6-figure deals 17:40 Subscribe, give feedback, and keep learning   Quotables   "The market makes up the numbers. You and I don't."'   "If we can't make the price work, maybe we can make the terms work." "There's never been a better time to be creative."   Links   Free Discovery Call https://smartrealestatecoachpodcast.com/discovery   3 Paydays® System Mastery Course - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program https://3paydaysapprentice.com Coupon code: Podcast   Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books https://3paydaysbooks.com/podcast   Strategy Session https://smartrealestatecoach.com/actionpodcast   Partners https://smartrealestatecoach.com/podcastresources

Re-releasing a DAT listener favorite! Chris Sands and Brent Saunier are on the podcast to talk about the hottest topics in the dental accounting world. Founding partners of Pro-Fi 20/20, these dental CPAs chat with Kiera about how to reduce overhead and expand the number of patients coming in, expense metrics from the hundreds of offices Pro-Fi works with, a tax rule you NEED to live by, what to stay away from financially with your business, and a ton more. Pro-Fi 20/20 is an accounting business that the Dental A-Team recommend. This episode is a goldmine of information from two fellows who know what they're talking about — especially with regard to the dental industry. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today we are bringing you something so special. I am so excited because this is one of our most popular episodes from the archives. Whether you're hearing this for the first time or catching it again, I am so excited because it's jam packed with a ton of takeaways that you can start using right now in your practice. We have released thousands, literally thousands of episodes. And I wanted to start bringing a few of these amazing episodes back for you. So I hope you enjoy. And as always, thanks for listening and I'll catch you next time.   on the Dental A Team podcast.   speaker-0 (00:31) today I wanted to bring on two special guests. These are actually CPA in the CPA world. Believe it or not, Dental A Team actually consults this company. So we definitely love them. They went a step above most CPA companies and they really wanted to get to know the ins and outs of the dental world. So I'm super jazzed to bring them on and to just have them dive into some of the hot topics in the accounting world. ⁓ two people that I trust and recommend heavily. ⁓ I   They are one of my top three CPA firms that I refer and recommend constantly. So I'm excited to welcome Chris and Brent from Pro-Fi. How are you gentlemen today?   speaker-1 (01:06) Awesome, Kiera. Thanks so much for having us. We're excited to be with you.   speaker-0 (01:10) Yeah, absolutely. Brent, how are you doing today?   speaker-2 (01:12) I am doing great. I appreciate the invite. I'm looking forward to this 30 minutes with you.   speaker-0 (01:17) Yeah, absolutely. Well, who knows? We'll see how long this ends up going, guys. Brent, can't put a time on us. It could be dangerous zone.   speaker-1 (01:24) You're lucky he said he's doing great because we're in the heat of extended tax season, so he's kind of in the trenches. Lucky he's in a good mood.   speaker-0 (01:32) I know Tiffany has been trying to get back out to you guys to see you and Beth you heard this awesome rock star in the company She keeps saying like tiff. It's like extended tax time or it's this or it's that deadline I'm like, my gosh, you guys just have I think you're secretly adrenaline junkies of CPAs even though you don't come across that way But I think you love it cuz tax season I feel is just like adrenaline rush like trying to get to the deadline. I just can't imagine that stress like   Every quarter every year you just hit it. So props to you guys. That's not my world but super jazz to have you guys on here. ⁓ so Chris let's dive in I know there's some things so we're gonna kind of hit on overhead we're gonna talk about some taxing some Some things to be aware of i'm just so excited because this is a world I don't know and I do purposely bring really really talented and educated cpas and financial advisors onto the podcast because I'm we have a three-fold approach in our company. It's focusing on   Money and finances making sure your business is profitable you as a person and as an individual and then systems and teams top to bottom So I am big I think as a business owner. I wasn't profitable when I first started. I didn't know how to look at my numbers I didn't even know what the heck over influence. I was like googling how to figure it out So i'm just jazzing you guys are here. So Chris kind of take us away I know you had some great topics for today and i'm excited to just   Rift a little bit with you, dive into these things, things that are really tangible for our practices now, especially where you guys work with hundreds of offices across the nation. Lots of good data to be pulling out for our practices listening.   speaker-1 (03:04) Sure, well, ⁓ Kiera, I think that there's a lot of discussion around, does the DSO world seem to do a better job with overhead than the private practice world? I think a lot of private practice doctors are wondering that, they're frustrated or how do I get my overhead down? And a lot of times, I think when you focus on expenses, you tend to attract expenses. And in our world of accounting, I will often tell doctors that, ⁓   Accounting cannot make you money, it cannot generate revenue. The expenses part is the easy part for us that we can work on trying to reduce some things, but you either have a revenue problem or an expense problem. And in most cases it's actually, you creating enough revenue on your fixed expenses? And most of dentistry doesn't understand how simple that is to scale the dental business model when you look at it from a high level.   You scale a business and reduce overhead with doctor production. Okay. And so that means you need enough patients to see the practice that I worked in from my experience was 40 to 60 new patients a month per doctor, per full-time doctor. And it means you need to be reinvesting enough into marketing. And I'll talk about that, that expense or reinvestment of marketing in a minute to get those new patients. And you need to be.   monitoring the phones that get answered properly and there's conversion rate of those inbound calls to appointments scheduled. And then the real job is case acceptance. Okay, and so here I am in an accounting firm coming on your podcast and I bet you didn't think I was gonna like be talking about case acceptance.   speaker-0 (04:46) was like, wonder we didn't talk about all your time. I'm just kidding.   speaker-1 (04:49) So, know, dentistry is really the product that's being delivered. And if you're ethically diagnosing the need and creating the treatment plan, your job is to help the patient understand the urgency and necessity of fixing the problem and paying you to do that work. So your job isn't really the dentistry itself, it's case acceptance.   And your first task is to become great at case acceptance yourself as a practicing clinician. But then the real task as the owner is to be able to teach other doctors to become good at it. So I think, you know, the only the only variable overhead that the dental business model has is paying doctors a percentage of the dental collections that they create. And then you have labs and you have supplies.   associated with the dentistry that's delivered. those expenses are variable. They track with the amount of dentistry that gets done. Everything else is fixed overhead when you really think about it. Marketing is fixed and it only changes based on your choosing. Your team expenses are fixed and they only change when you hire or fire. Your rent and facility costs are fixed. Your equipment costs are fixed and only changed by your choosing. And the various required admin costs, they're all pretty much fixed. They only change by your choosing.   So if you can create more doctor generated collections with the same team and fixed expenses, your profit margin goes up, your percentage overhead, your percentage overhead to collections ratio goes down. Okay. And so I guess we see most private practice or single, should certainly say single location, solo doctor practices. We see them failing at this because they choose not to reinvest enough.   back into the business, into that marketing for new patients. They're not monitoring the phones. They're not training their team. They're not training their doctors on case acceptance. And they're too closely focused on just the clinical delivery of the dentistry. Don't get me wrong, that's required, but that's not what makes you successful or financially successful. So I can give you ⁓ some generic ranges for expenses, but the real thing is that   You know, the real way to scale a business is to generate more revenue on the same overhead. That's kind of the definition.   speaker-0 (07:20) And isn't that basically then probably the DSO model because they have lower fixed costs per se. They've figured out how to have centralized billing, centralized call center, centralized. So many things centralized that they don't need all these different things. So solo practices, if I'm understanding correctly, they've got all the costs associated, but they only have X number of revenue where when you start to add in those multiples of practices,   That's where your fixed costs, it's going, yes, of course your fixed costs will increase a bit, but I mean, I do know our fixed costs did not go up that much more when I added our second practice to it because I already have my base of fixed costs there and then we're just able to add more revenue. Is that kind of what you're saying? Am I understanding?   speaker-1 (08:01) Yeah,   I mean, you know, that, part about centralizing is, know, when you, when you do have multiple locations, I would say three or more, then you can consolidate the amount of team that's working the front desk into one location. Instead of needing three to five team members at the front desk in every office, you may only need three to five team members for all three offices. You're having one of the best things by the way, as kind of an aside, one of the best things that private practices can do as they grow is to get those phones off the front desk. You know, let.   speaker-0 (08:20) Right, right.   I agree.   speaker-1 (08:30) You know, like there needs to be, that needs to be in a totally separate admin space. But, ⁓ you know, I get asked that question a lot. Like my overhead is 65 % and how can I afford to hire another associate doctor and pay them 30 or 35 %? Well, you know, that doctor is going to create new collections. That's the point. It's not to give them your patients. It's to grow the number of patients coming in that, that you as one doctor maybe are stressed.   and you hire the next doctor and you've got to continue to invest in the marketing to keep your job as the owner is keep the chairs full, right? As long as the chairs are full, if that associate doctor is ethically diagnosing like you are, if you guys have a ⁓ clinical standard of care in your practice, if you guys talk about how you treatment plan and your treatment planning the same way, that's all required. But here's the real test. You know, how do they connect with people? How do they, how do they,   establish a relationship, establish trust and get them to move forward with that treatment. So I think dentists hate to use this word in dentistry, but the job is kind of sales. You know, if you believe in your product of dentistry to solve this need and like, again, if you diagnose decay and they don't get rid of it, you failed. I could go on a tangent on that, but the new doctor will bring new collections and you might have to hire at most, you know, an additional   speaker-0 (09:46) Yeah.   speaker-1 (09:55) Assistant or two and that would be a new fixed overhead. You would increase your fixed over it slightly But other than that the doctor covers all their costs with their their percentage pay the labs that are associated with it that the supplies are associated with it and You should net somewhere in the ballpark of 40 to 50 percent on the new collections they create and that that just adds to your profit Because all the other fixed overhead stays the same   speaker-0 (10:19) So I think there's a few things on there of like, I just, think it's a matter of realizing a lot of people bring on associates though, because they're tired, they want more free time. They don't want to be working as much. And I think it's important to clarify that if that's your model, that's totally fine. Everybody knows on the deadline team, I am not somebody who judges. I think everybody has their own personal path.   And so whatever jives with you and resonates with you. So if you're wanting to bring on an associate to have more free time, to not have to produce as much, fantastic, but realize that that overhead might not trickle down because now you're kind of replacing your cost with an associate that you're paying. And some doctors I know don't take as much pay as they would pay an associate per se, which to me, I think is a somewhat failed model. I'm really big on prepping and preparing for that associate, paying yourself as if you were an associate. So you know, these costs before you bring on an associate.   ⁓ but I really think it's important to note that because like you're saying that overhead will go down as long as the doctors are producing. And as long you're able to bring on that other doctor and have them produce, cause they should cover themselves. I definitely agree with that. ⁓ also I'm sure people are saying, yeah, but Chris, like in order to bring on another associate, I'm going to have to build out ops. That's a huge cost and expense. So I am curious, what have you guys found in Brent? You might have some answers to this Chris, you might. ⁓ but if an office is having to say, build out two more ops.   in their practice to be able to bring on an associate, how long does it usually take when you're doing build outs for that cost to be recouped and start being more profitable? Because oftentimes I do think that that gets into the problem with a lot of doctors is they're constantly building more to bring on these other doctors. So they're always adding more and more expenses. Like when do they ever break even? So what have you guys seen with build outs and different things like that of that break even point? How long should they plan for it to not be as profitable?   speaker-1 (12:09) Okay, I'm gonna give you a lot of answers on this. So number one, we use a metric called revenue per chair. So, you know, every, you   speaker-0 (12:17) What   do recommend? What do you guys recommend per chair?   speaker-1 (12:19) So yeah, everyone has a space and you have only a fixed number of spaces or operatories you can have in it. And there's only a fixed amount of time and days and hours and a number of doctors that you have. And revenue per chair capacity, we see a range between 25,000 to 40,000 per chair per month. And it does not matter when you do this. This is just, take collections and divide it by the number of chairs you have. ⁓   This does not matter how many chairs are for hygiene or how many chairs are for dentistry. That's your choice. Actually, you know, there are models where every chair can do everything and the patient never, but the 25 to 40,000 at 35,000 of revenue per chair, you're running fairly efficiently and you're going to need to be planning to expand. You're going to start to run out of space. So that's our metric first and foremost. And so if somebody tells us, well,   speaker-0 (12:53) Sure.   speaker-1 (13:09) I've got four chairs right now, but I have space for seven. I haven't built out the other three. I tell them, you don't need to build out the other three until you're approaching that $35,000 a month of revenue per chair. Question you asked, how much does it cost and when do you recoup that? So in my experience, typically it's around $25,000 per ⁓ operatory to equip it, assuming it's already plumbed. ⁓   after you just take that number and say, so let's say you were equipping a few operatories, so $50,000, you ⁓ essentially, your cost of the doctor plus the lab and supplies should max out at 50%. Okay, now they have to be producing. So until you get them, they've produced over $100,000. All right, let me do it per chair.   They need to do over $50,000 per chair for you to get your costs back. After that, you're in the money.   speaker-0 (14:09) which I think is also smart because I don't know. think dentists kind of err on two different sides. Sometimes they're too slow to actually build out. They are so cost conscious and so concerned about that build up, about the cost of the chair, about all the other things that they're missing, that that one chair is going to generate several thousands of dollars of revenue. I've had a few doctors where I'll say, sure, no problem. We'll do a deal. I will happily pay for that one chair and you pay me all.   the revenue that comes through from that chair for the next three months. That's all I ask is three months. and I know I'm going to come out way ahead of you because it will generate and it will produce, especially in high producing practices. So I think so often people are just so scared to do those build-outs because they see the cost or they do the flip side where they believe like, if we build it, they will come and they're overly aggressive and they don't have necessarily the patient base or the doctors in play to be able to accommodate that. So   I love, I need to agree. It's either cut costs or increase your revenue. Like that's really overhead.   speaker-1 (15:12) One more way to think about it is, you know, if they have patients that are having to wait so many weeks or months to schedule out to come in. if you can calculate your collections divided by the number of patients seen for any given time, for year to date or for a full year, you can get your average revenue per patient. Okay. And if you know your average revenue per patient, you know how many either new patients or how many more patients you need to fill that chair to cover the cost.   Okay. So if your average revenue per patient was, you know, $1,500 per patient, um, and the cost of that chair is 25,000, just take 25,000 divided by 1500. And that'll tell you how many patients have to be seen in that chair before you pay for that chair. Sure. You're to be in the money, you know, it's in terms of the construction. That's another basically upfront, one time fixed costs that you're going to cover. And then all the future revenue that it's going to generate. So.   Maybe if you like, think before we end this topic on overhead, I'll give you kind some of our expense metric. ⁓   speaker-0 (16:18) Sure, yeah, absolutely.   Well, hang on, before you go into expense metrics, I want to bring up one piece that I think often gets missed, because you're saying like we're in the money. But I also want to bring up something that I really love to point out, and that is return on emotion. Some people don't want to bring on an associate. Yes, like as a business model, you can be more financially successful with an associate. Yes, you can, having more chairs, more build out, more practices. ⁓ But I also want to point out there is a return on emotion. There are sometimes   Bigger headaches, they're also sometimes less headaches with bigger organizations. I personally love to consult larger practices. The pettiness, the cattiness, the smaller drama is way less in larger practices or multiple locations. So like that drastically drops down. They figured it out. They're dialed into systems. But at the same time, I think it's important for people to assess that return on emotion. You might have a dreamy life. You might be doing exactly what you want and sure you could produce more.   But if you're off work at say two or three o'clock every day and you work two or three days a week and you're shelling and seven fifty to a million in profit, not a bad lifestyle. So I think it's also important to assess like what you ultimately want and what your return on emotion is before just saying like, I'm going to build because this is the way to do it. I think if you're looking at your practices as a business model, which I personally think a lot of us should look at it that way, ⁓ just to see what you what you ultimately want, what's your end game. And that's also where I love financial advisors of   Like what is your total term? Like where do you want to get? Does it make sense to grow? Does it make sense to stay where I'm at? ⁓ I think oftentimes we, we forget that return on emotion and how that is. We always think of like return on investment, but what does that return on emotion too? So just want to put a plug of like, I think everyone's on their own path, their own journey. Definitely agree. There are lots of ways that you can be insanely profitable and having multiple practices is a great, great, great business play. And you're able to help more practices. I'm all in favor.   You're gonna have multiple locations. Make sure you're doing awesome dentistry because sure, it can be very lucrative. Just be ethical because I think that plays out long-term. So Chris, with that, what are some of the metrics you guys look at? Because I agree, I love to hear people's metrics. I think we're pretty closely aligned with you guys on metrics, which is another reason I really love working with you guys and your clients.   speaker-1 (18:32) So I think if you ⁓ were to survey the Academy of dental CPAs and all of their, what you see them put out statistically, they're gonna tell you the metric of one to 2 % for marketing. When you go and you immerse yourself in the DSO world and their conferences and get to know what they're doing, you're gonna see more of an average of six to 8 % reinvestment into marketing. DSOs have a harder time with retention. They have more patients going out the back door. Private practices.   degraded retention, but they don't often invite enough people to the party. So we don't go by the one to 2 % number. think that's an area where people try to, they're trying to keep costs down. You know, your business is the greatest asset that you own that provides the greatest return and you have the most control over. So you should be reinvesting in it more than you reinvest in the stock market or anything else. So our metric for marketing is three to 8%. Private practices, like to see at least three to five.   I mean, excuse me, in GP practices, in specialty practices, especially like orthodontics, needs to be on the higher end. Team expenses between 20 to 30%. We certainly try to keep that under 30%. Team expense does not include doctors. Okay. So that's all of your, all of your, uh, your, your entire team, including a hygienist as well, but not doctors, uh, dental supplies somewhere five to nine, five to 10 % labs.   speaker-0 (19:36) Yes, absolutely.   speaker-1 (19:58) four to 7%. So again, those dental supplies and labs really should not be greater than roughly 15 % total. Rent and facilities, five to 9%. What does that mean? So if you have a high percentage in your rent and facility costs, if your rent facility is let's say nine, 10, 11%, that means you're probably not maximizing the space and getting the collections that is possible there. Again, using that revenue per chair metric.   When you're on the lower end, if you have 4 to 5 % rent of facility, means you're running very efficiently. You're probably going to be running out of space and need to expand or potentially relocate or get another location. And then there's general administrative costs somewhere in the range of 4 to 10%, depending on the practice type and what additional folks they have.   speaker-0 (20:48) Cool.   speaker-1 (20:50) That's it on everything.   speaker-0 (20:51) No, I love it so much because I think so often people don't look at their P &Ls and they don't even know what they should be targeting for. It's just like, well, do I have money left over or do I not? And then I don't know. like all of that combined should equal about 50 % there. Is that correct? Those are 50 % and then doctor pays 30 % to give a 20 % profit margin. And then you subtract debt services from that. that kind of your guys' model? That's what I've heard. It's what I typically recommend.   speaker-1 (21:18) Roughly. mean, yeah. You know, I, the most ideal is that I think when the average doctor starts to work with us, their profit margin is in the twenties, the 20 % range. our goal is to get them into the forties. Okay. And everyone does chase this like 50 % number, but I will tell you that eventually if you have to scale again, if you have to reinvest, that's the part like you're, drive yourself nuts. Would you rather have, you know, 50 % of 1 million or do you rather have 40 % of 3 million? Right.   You know, and that's that. So it's not always just about that overhead percentage. Uh, it is about if you choose to scale and you're, you're buying, you're reinvesting some of your, your overhead percentage, you're reinvesting some of your money to buy back your time. Like you said earlier, okay. Um, whether that's on multiple doctors or not, you know, being a slave to the chair is difficult and high risk to you as a business owner. It's one of the riskiest business models there is.   speaker-0 (22:12) Right.   I think that that's such a good point.   But guys, you don't know, can, Pro-Fi is fantastic. You can reach out to them, have them help you with your PNLs. Also your current CPAs, you can get a chart of accounts and give them these percentages and say, this is where I want it to be. Help me get there, give me some information because a lot of CPAs are not dental specific and they might not know these industry standards. And I agree with you. I also think it's important to think of growth years and also profit years. Some years you are definitely massively.   reinvesting into the practice and you might not be sitting at as high of an overhead, but you're doing it with the intent. Like when I bring on new team members, when you bring on new doctors, your overhead is going to go down. It should go down because you are investing and you're growing, but you need those people. This year on Dental A Team is a growth year. I am heavily bringing on new team members. My overhead is not as great as it has been in the past years. But if I, like you said, chase that X number of overhead and never invest in that growth,   I can't get to the next level of where I wanna go. So I thought that was really, really helpful. Thank you for that, Chris. And I know now we wanna spin over to Brent. Brent's been hanging out silently over there of some tax things. And I do love that you guys ying and yang on practice metrics because that's what we're all about. And then the tax world that I'm like, here's the thing. Here's my take on taxes. I am so grateful to live in a country where I get to pay taxes to have my own business. Like I truly think that is a massive blessing of the country we live in.   With that said, I also think it's my responsibility as a business owner to be as savvy as I can on taxes and not overpay on taxes because I'm just dumb and I'm not actually looking at strategy using smart people beyond myself to do it. So Brent, I'm so jazzed. Talk to us kind of about some tax things that you've been thinking of that your clients are dealing with.   speaker-2 (24:00) Yeah, absolutely. So I remember a few early evening calls with you and you're calling and saying help.   speaker-0 (24:06) It was in December last year, like literally right before the end of the year. And I was like, Brent, I owe so much dang money in taxes. Any ideas? It's fine, guys. It's fine.   speaker-2 (24:19) One of the foundations of Pro-Fi that we built it on is education. So we are very big believers in educating our clients to understand, first and foremost, how do you even generate taxes? So the number of conversations we have with dentists that just don't have a basic understanding is really astounding to me. So we first take an approach of, you have to understand how do you generate income tax? You generate income tax by the salary or W-2 you take.   and profit. The key thing here is it does not matter if you take a dollar of that profit out of the business, you still owe tax on the profit. So here, when you're looking at your P &L, let's say a doctor has a half a million dollars of profit and they choose not to take it home and leave it in the business, they will still pay tax on half a million dollars. I had a call today, the exact conversation is like, why didn't take any of the money home?   speaker-0 (25:18) It doesn't matter. were profitable brother, sister, like rock on. Happy day for you.   speaker-2 (25:23) You know, as Chris was alluding to, if you choose to reinvest in the practice, do marketing or other items like that that are deductible, that will obviously reduce your burden. The second thing, the second biggest mistake is don't underestimate your effective tax rate. So Chris and I have, we call it, I guess the golden rule or the 40 % tax rule. And that is geared towards over-preparing a business owner when it comes time to send in those quarterly estimates.   And I'll come back to that one in a minute, but the 40 % tax rule, if you have a pen, I would write that down because that is a rule to live by. And also ask your CPA advisor, whoever they are, whether it's us or your other another CPA, ask them before you make the decisions. So I got a call yesterday from a doctor in South Carolina. He's like, hey, I want to buy a machine that's going to cost me $85,000. My equipment rep said I'd get a 40 % tax deduction.   Just about that much.   speaker-0 (26:23) That was a clever salesperson.   speaker-2 (26:26) Yeah, they all do it. We love equipping reps. No badging equipment reps. But understanding, depending upon your entity type, whether or not you will be able to deduct that in the current year is a huge thing that you have to understand. Chris and I have seen so many doctors over the years that have come to us after the fact. And I think we've done a great job of educating, hey, I bought this equipment, it's $100,000.   When we do the tax return, it's like, you're not involved deducted. They're like, why not? The equipment reps that I could. So just make call your advisor before you do it. That's the best thing you can do for yourself.   speaker-0 (27:02) Well, and I, to that point, I just say like, you should have experts on your board as a business owner, people that you genuinely trust for taxes. And like you said, ask them, ask your rep about the best products and what they're seeing of results within the patient's mouth. Cause that's where they're experts. But I'm just going to put a massive plug, like, gosh, the number of dollars I have spent personally, because I didn't ask,   If we can save anybody even a couple of grand, like you're welcome. You're welcome. Just ask, ask before you do it.   speaker-2 (27:36) Right, absolutely. Then I kind of look at what are some things that you can do to make sure you're not blindsided by that tax surprise? ⁓ One thing we do is we always recommend in your business, you have to run multiple bank accounts. And one of those bank accounts is a tax savings account. Your business should fund and pay for your personal tax bill. So think about like ⁓ grandmother's cash envelope system.   create different buckets in the business, move the money out of your OpEx account because, know, like for me, if I have 20 bucks, $20 in cash in my pocket, I'm going to spend it. But if I put it away in the bucket where it's intended, it'll be there when I need it.   speaker-1 (28:18) My bucket, right?   speaker-0 (28:19) Yes, you can just send them my way this year Chris. It's fine Brent. It's fine I'll take him but Brent I want to speak so highly to that because ⁓ It really does help. I will also put a plug of like have really good financial planners and tax planners with you because I am actually really really good at saving money for taxes What I really get frustrated with is when it comes to December and I have been saving and I have been putting that away ⁓   And then they're like, Kiera, you owe an extra X amount. And I'm like, what the heck? I've even saved this. So that's where I also think it's really pro to have really good CPAs that are that actually no tax. So I am curious. You guys tell me the truth, because I don't know how this works. I'm not a CPA, but I swear every year I get a call December 1st and it's like almost a double what I've already saved for the whole year. And I'm a saver. Like I don't spend a dime in my business.   speaker-1 (29:14) call you get all year long, Kiera.   speaker-0 (29:16) It's not well, I have a monthly call with them and we even plan for taxes, but this year my quarterly taxes It's okay guys. I'm interviewing new cpas. It's okay. my cpn doesn't listen to the podcast I don't think if so, it's great. We've had a good run for several years But like that's where I get a surprise. Is it common? Should you be getting a surprise call on december 1st? If you've got good tax people, and you've been planning and preparing and putting money aside all year long is that   speaker-1 (29:41) As you answer this question for her and I would go over safe harbor estimates, but Kiera to set you up for what Brent's going to say. What happens is somebody tells you a number and you kind of start to operate like a zombie and you're like, okay, I put that number away, put it away and you did it. And you're like, okay, I put the number where you told me, but at the same time you're trying to grow your business.   speaker-0 (30:06) To that point though Chris I'm gonna like back on this because I think I'm actually a really smart business owner But every freaking year this happens. I'm trying to fix this and hopefully someone   speaker-1 (30:15) I think it has to do with your growth.   speaker-0 (30:18) I   overestimated what my growth would be this year. So I said I was going to be double what I was last year and we're coming in at about a 70 % growth of what I was last year. So I gave my CPA a 30 % extra window to project on me and we're still coming up a hundred, I'll say a different number, but I'm coming up more than I had saved.   almost three times as much as they had saved for me. cause I get burned every single year. So I'm like a squirrel with nuts and I put away for tax savings in my company because I never know what I'm going to owe. And it scares me. So with that said, I agree with growth. If you can, if you can project where you're going to go and you're having consistent quarterly meetings with your CPA, is it common to still have a massive like uptick in December? I would ask.   speaker-1 (31:04) No, it's not.   So look, to keep it simple, like, you know, I'm kind of talking on the managerial accounting side of things and Brent's talking on the tax side of things. If you're meeting with that accountant and you look at that bottom line profit, okay, you owe 40 % of that profit, whether you took it home or not. And then if you made any estimated tax payments, you can subtract those tax payments from that 40%. Okay. ⁓ And then you can apply some deductions and maybe bring the number down.   speaker-0 (31:24) Agreed.   I'm asking for a friend hashtag myself right now I mean I get better every year around taxes because I hate the surprise and I think most people do but I also wanted to point out I'm like I think I'm pretty savvy with business I talked to a ton of CPAs like this isn't like my first day running a business So and I'm happy to hear and with that 40 % So here's another thing that I've also which maybe I'm just dumb Maybe I'm just coming around the block to this so you guys can tell me ⁓ but it's 40 % of the profit correct like   And that profit also includes my W-2 as a business owner. So I've got to like...   speaker-1 (32:10) That profit is after your W-2. Hopefully your W-2, you have normal withholdings. Sure. you're like zero or one, you can kind of pretty much say, hopefully the federal and state taxes are all withheld from that for you. Right. have to worry about it. Okay. It's the profit that's left over after your W-2 and all the other expenses of the business you have 40 % on. So Brent, tell her about what happens at the beginning of the year.   When we talk, they those first estimates. think everybody starts to like, they get glued to the estimates and they never update them.   speaker-2 (32:41) Yeah, so a couple things. So, Kiera,   speaker-0 (32:45) Call   you in December, Brent. We're going to have this conversation in year two.   speaker-2 (32:49) Maybe we should start in January for next.   speaker-0 (32:51) I like that strategy is much better. I'm like I've even I started my tax meetings in July this year guys Like this is how much I'm paranoid and I'm like they're just shelling a ton on me again And I'm like how does it happen every year? I don't I don't understand so   speaker-2 (33:05) Here's a trend I noticed over the last four years. you know, there was in 2017, there was the Tax Cuts and Jobs Act, which changed the tax code. also changed. There's also been changes to the payroll tax tables. So I would take UW2, look at your federal tax withheld and divide that by your taxable wages in box one. More than likely, it's going to be in the 10 to 12 % range.   If you were in the 40 % tax bracket, you're already 30 % short on your taxes. Let's say you pay yourself $100,000. If you're 30 % short, that's a five digit dollar. So that's where I'd first start. And that is very, very, very common. You will not see any withholding in a W-2 being over 25 % unless you manually requested that from the payroll company.   speaker-0 (33:39) Right.   speaker-2 (34:01) bonuses or automatically taxed at 25%, but your regular payroll is probably in the 10 to 12 % range. So that's one reason it's happened. What Crystal's talking about, so let's say that we prepare your return in April. So let's say your 2020 return and every accountant will do what's called a safe harbor tax estimate, which basically says your estimates will be 110 % of your prior year tax.   speaker-1 (34:30) The IRS wants you to put 10 % more than last year away, like pay them in advance. They like you to do it quarterly because collecting money once a year is a bad business model.   speaker-0 (34:40) And it's a bad business model.   speaker-2 (34:42) So like Chris said, when a client gets those estimates, and let's say they're $25,000 a quarter, they are fixed on $25,000 a quarter. So what we do is with all of our clients in June and early July, we actually run tax projections or mock tax returns the upcoming year. We pull their year to date profit, we get all their deductions and we project out if that original safe harbor estimate has changed.   Then we do it again in November and early December to make sure that you're still on track and also looking for additional ⁓ tax strategies. But to answer your question from earlier, should you be surprised with a big number? No, not if you're doing proper planning.   speaker-0 (35:30) with like a little variance, but I just want to point that out because I think so many business owners get scared of taxes and this year, don't worry guys, it's on my vision board by the age of 36. I will be a tax expert. I look at it every single night. I have no desire to be a CPA, but I really think it's important as business owners to educate yourself on taxes and like you said to plan and to save for it because otherwise it's just this always surprise bill that creates stress. For me as a business owner, I know often I just feel like   I don't dare spend money because I'm gonna get hit with this big unknown. And so I'm like this girl, I literally have four tax savings accounts in my business right now. And they're in like four different business accounts, so my CPA can't see them all. Because I'm like, you come to me every year with this huge surprise and every year it's like double what I thought you were gonna say. And like I'm grateful to be very successful in what we do. However, I don't think business owners should be surprised, especially if you have a good CPA. So I just wanted to like find out like, that normal?   I feel like I'm on the anomaly, but good to know on that.   speaker-1 (36:33) Tax surprises cause cash flow problems.   speaker-2 (36:39) So Kiera, let me quantify that one of   speaker-0 (36:41) Guys,   don't worry. Everyone on the podcast, this is a Cura therapy session. You're welcome to be attending this. So we're glad.   speaker-2 (36:48) So can there be a tax surprise? Yes. The reason the tax price might happen is if you told your CPA, hey, I'm going to be doing these improvements and they're going to be done by December 31st. If in December you tell them, well, it didn't work out and I'm not going to have all these expenses. And yes, you're going to, you're going to get a surprise because you didn't, your plan didn't follow through. The other thing is talking about the separate tax account in the business. It's,   speaker-0 (37:12) That's fair.   speaker-2 (37:18) Absolutely recommended, but the most important part is you cannot spend it on anything but your tax bill. You cannot not rob Peter to pay Paul. That is probably the biggest mistake you could make is saying, well, I'll take it now. I have eight months to put it back in.   speaker-0 (37:34) That's like that makes my heart stop. I feel so stressed for people and also for anyone who wants to know like you I wish you could see the zoom right now with me Brent and Chris You know these guys love what we're talking about because Brent is literally getting like so excited and so animated talking about this So that's just when you know people are good at what they do I get so geek I'll geek out on dentistry and systems and like how we can help you and they're jazzing about some some tax benefits here So I agree. I think that if you aren't doing that, I also like the thought of 40 %   Do you guys recommend, because I know another piece to it, which I realized this year was like charitable contributions. I'm LDS. And so having charitable contributions, 10 % is something that I was like, that was funny. We didn't prepare for that. So that's like another check that I wasn't planning. And then also like SEP and 401ks. Do you guys have anything that you recommend for that of having a tax savings fund, but also building up those other funds and those payments that you'll be making to reduce your tax bill? Yes.   but those are also pretty big expenses, depending upon how your business does every year. How do you guys manage or navigate that? Or should I just be saving more? Because again, I'm like building these funds up to this, I've got four accounts, because I stress out about it.   speaker-2 (38:44) So Chris, I'm gonna let you take that one on the cashflow. It's really cashflow planning.   speaker-1 (38:48) Yeah, a lot of questions in there.   speaker-0 (38:50) Cool, like I said, this is why I podcast guys, because I can ask my own personal questions.   speaker-1 (38:57) In terms of okay, should you be doing okay. what do you want me to start a chair charitable chair?   speaker-0 (39:03) Just   like I think that a lot of people might get quote-unquote surprised at the end of the year because not only do we have a tax bill to pay, we have charitable contributions that we're paying. We also have 7401Ks. Like there are quite a few other funds that need to be paid out again to reduce our tax bills to help us. But those are also cashflow that you need to have on hand as a business owner to be able to front that money. So I've been also thinking that could be why other people feel like it's a surprise at the end of the year, just all lumped into taxes when it is just other pieces to help reduce that tax bill for you.   speaker-1 (39:33) if   something is important to you, then it needs a separate bank account. if charitable giving is important to you, I think you should have a separate bank account so you can visually see that you've got it ready to pay. And in order to make it tax deductible, it does need to be a 501C3. can't just be any random, say, it's... Right? So ⁓ when it comes to all of the retirement accounts, mean, ⁓ 401Ks and IRAs and simple IRAs and all of that,   speaker-0 (39:51) about last year.   speaker-1 (40:02) Roth, that's like the smallest fraction. That's like the, you know, the entry level league of the tax code in terms of savings. And it's, it's really kind of the stuff that the masses can do. I certainly think it's important to save and save for retirement. think when you're a business owner and let me say this, mean, upfront, I'm a contrarian. I think when you're a business owner, you have to be a contrarian and know that not everything applies to you the same way as everyone else. Sure. I, my bias is I have a much.   stronger tendency to say, you know, spend the money in your business or put the, I should say, invest, reinvest the money in your business for growth, because it's going, there's an asset value to that, to that business. need to learn what that is and what you one day can exit it for. And it creates, gives you the most, you know, income. ⁓ If you put money into a 401k or you put money into marketing in your business, you get the same tax deduction. So that's a question. If you're looking for like year end stuff, you know,   You could put the money into the, into the retirement plan, or you could prepay some expenses for next year. ⁓ You lot of people, think don't trust their business, which is weird because it's the thing you have the most control over, but they don't trust their own business. Typically it's cause they're not really great at managing their own cashflow and having discipline. And so they're, they're hesitant to invest the money in the business. And they'd rather go roll the dice and put it in the stock market. And at the time of this podcast recording, let me tell you.   We are in a recession. It has already begun. Everything is very high. Stock market's high. Real estate is high. Your business is one of the safest places to put your money right now. It provides you an inflation hedge, okay? And it creates revenue. ⁓ And it's tax deductions. I'm a big believer in putting the money into your business or getting another business. I think Brent can talk about, know, people ask us like, what are some of the largest   speaker-0 (41:47) Right.   speaker-1 (41:56) deductions you can play in. Like what, are the bigger things you can do outside of a 401k? Tax deductions. Generally speaking, the tax code rewards you for doing things that improve our economy. And that's primarily investing in businesses, you know, adding another location, employing people and commercial real estate, commercial real estate is a big one. Again, commercial real estate's really high right now. It may not be the perfect time to be buying or building. Cause all of the costs are really high.   save that cash, even if you have to pay some taxes, save the cash for liquidity for the tough times. when this recession happens, most practice owners are going to stop investing in their business, they're to stop marketing. And you got to do the opposite. That is the time where you can do all of that at its lowest cost. that's when millionaires are really made is during recession. So I'm going on a tangent now. You got me passionate   speaker-0 (42:50) No,   I like it. I like hearing it because I like thinking of other things. think so often you said it really well of business owners want to contract. They want to not reinvest in themselves. It's like, well, like let's put it in the stock market because that's what I heard that we should do. But I really do love that mindset. And that's why I love podcasting. That's why I love talking to different people. This is why I bring you guys on here because I purposely, intentionally bring different ways of thinking out there. You've got to make your own decisions.   But I'm a big like when people are zigging, I want to zag. So right now real estate's hot. Commercial's hot. The stock market's hot. Like I literally am sitting here just thinking like, here, just sit on some cash. Like, like you said, I might have to pay more taxes on it, but sit on that cash because you know, it's going to drop. And during that time, that's when you do the exact opposite of what everyone else is doing. So I really love that advice. And I think it's wise and it's prudent. I also love what you said, Brent, of having the 40%.   A lot of people say do 30%, but agreed a lot of dentists do tip into that 40 % tax bracket. And I would much rather over prepare than under prepare. Chris, to your point, I really love also having the buckets for like we said, charitable contributions, if you're going to do ⁓ 401ks, but I really, agree with you too. I think reinvest in your business. Look to see, I do end of year spending. I look to see what I could reinvest in, what things are gonna propel us the most. I look at marketing, I look at website rebuilds, I look at.   Different softwares that are going to propel us forward different ways to make our our practice more efficient What things are really going to invest in our company and our team? To make it and then I just do fun things like, know trips places I definitely don't get much ROI on that except for emotional ROI, but I know I know this is a longer podcast guys I really hope and I also hope team members listening realize that this is not just for business owners. I think that this is also   Individual tax prepping make sure you are preparing look for ways that you can reinvest in yourself What things could you prepare for what things can you build out? Do you have separate savings accounts for different things that you're going to maybe you don't have to save for taxes But guess what maybe one day you will be a business owner So teach yourself the discipline to save now to look for reinvestment. I also think is super valuable. So I want   speaker-1 (45:05) team members, for those team members, what side hustle can you create? What side of business can you create? know, and what, what commercial or what even residential property, rental property could you create to give yourself rental income? And there are deductions that come along with that. But if all you do is just do your day to day job, whether you own a business or don't own a business, you're not going to save anything in taxes, nothing significant. got it. You got to create some value in the world out there.   speaker-0 (45:29) Agreed. say deliver the biggest and best value. So you guys teased me. So I want to wrap up our podcast with some things to not be doing. You guys have kind of like a hit list right now of some things, some tips that a lot of us might be doing that are cracking down. I know I have been privy to some of these things as well. So take us away. We'll wrap this up with just some, some of that hit list of what not to do. ⁓ and   you know, as we get in there, thank you guys for sharing all that you have. Thank you for doing a personal session with me already. So I'm excited for the hit list now.   speaker-2 (46:01) So I would say the biggest one that I've seen is the fascination that doctors have with crypto.   speaker-1 (46:01) Go ahead, Brent.   speaker-0 (46:12) Brent, it's because we're bored. We don't know what else to do with ourselves, so we're like, why not throw a little into crypto?   speaker-2 (46:17) Here's the problem. So I have about a half a dozen doctors over last six months. They called me and said, Hey, I put $200,000 into the crypto market, Bitcoin. And I'm like, really? Where did you, where did you write the check from for that investment from the practice? Here's the problem. If that practice is an S corporation and they invest that money in crypto and they hit it big, they could potentially blow up their IRS S corp election.   and the IRS will take it away from you. So if you're gonna do investments, do not write the check from your practice. You can take the money home as a distribution, then put it into crypto, but do not do it through your business.   speaker-0 (47:01) This is a moment where I just had like a, I'm like, good. I'm glad I did that at least right. even knowing. Why is that?   speaker-1 (47:03) Sorry.   So that one, I mean, that one can cause some serious damage. ⁓ But the other ones that I think nobody wants to hear when they're listening to this, and I get in all these battles on social media, Facebook groups and all that. But the two things that come up over and over and over again that everybody's kind of cheating on and they're going to get busted on is number one, paying employees and especially dentists and hygienists, paying them as 1099 contractors.   This is going to get you in trouble not only with the IRS, but with the Department of Labor. And there are some significant penalties. There is a black and white 20 question checklist that the IRS provides. You can Google that. You can find it directly on the IRS website. And it goes through a checklist of yes or no questions to determine if you qualify to be a 1099 independent contractor or if you fit the requirements of a W-2. And to simplify it,   The main thing is the element of control who controls the schedule, who tells you which patients you're seeing and when who's providing all the materials and the tools and equipment. And 99 % of the time, anyone in dentistry falls under the category of an employee. Pretty much have to be a specialist that owns their own separate practice already coming in part time in order for you to 10 99 them. And if you're 10 99ing them, you're 10 and you have to do it to their business. The other thing that doesn't work is when, you know, they're like,   Oh, I'm an individual doctor. I'll just set up an S corp and you can 1099 my escort. The IRS is not stupid. Again, they're they're looking at what are your what is your role within that that place that you're receiving the income from the revenue from. So anyway, everybody hates that. But I'm telling you, I   speaker-0 (48:58) I   don't think it's a, it's not a good place to play with fire. Um, I have a really, really, really awesome unemployment lawyer, um, and employment lawyer. He represents Uber Lyft Red Bull. He's in, um, San Francisco. If you guys need him, he's amazing. Reach out to us. Hello@TheDentalATeam.com. Um, but he told me he said, Kiera Uber and Lyft, which I personally think I'm no lawyer guys. I'm not there. Uber and Lyft to me are the epitome of 10 99 contractors.   but they are, ⁓ they're coming down, they're cracking down on it. And ⁓ I have heard that it is no longer just a small offense. It's a pretty big offense if you misclassify. To me, really, I'm a risky person, but I believe in being smart and also paying people the way they should be paid. As much as it's not fun, we transitioned our whole company and I just think play that one safe because labor laws are not something to ever mess with, in my opinion.   speaker-1 (49:51) Yep. And you know, the government has shelled out a lot of money through this pandemic and they've got to collect it and get it back. And they're going to get that back from small business owners. And, ⁓ you know, our, our dependent care systems of Medicare and social security are very fragile right now. And that's the one thing they do not want you to screw with. And so they collect that money through W2 payroll. They're going to, they're going to force more and more than everybody's W2, especially in the occupation of dentistry. Second thing is the cars. Okay. Everybody wants to run their cars through the business.   You might be allowed to run a car through your business. It depends on what type of business you're in. If you're in real estate and you're showing houses and you're driving your clients around, you can probably write your car off through your business. But in dentistry, you're going to sit across the table from an auditor and they're going to say, what does a car have to do with the business of dentistry? The IRS tax code says that your business expenses must be ordinary and necessary to the business for them to be deductible.   What does the car have to do with the business of dentistry? How is a vehicle ⁓ justified as 100 % business use as a necessary use in order to do dentistry?   speaker-0 (51:00) What if it's a wrapped vehicle that's marketing?   speaker-1 (51:03) That's different. there are very specific guidelines in the IRS tax code about what is marketing for a vehicle. must be fully wrapped. It can't just be magnets. It can't just be stickers. But it has to be significant that's used for marketing. What we find is not a lot of doctors want to wrap their test up.   speaker-0 (51:23) Because they're ticked off with the patient that Ruekinaal didn't go super well and they're cutting people off on their drive home and you don't really want your flashy business to be that car.   speaker-1 (51:31) Right. I mean, and to make it legitimate, mean, the car has to be legally registered in the business name. It has to be covered under business insurance, not your personal insurance. The loan has to be under the business name, not your personal name. And there's a, you know, most people are not doing that. They're doing, they're buying it personally. They're just making the payment out of their, out of their business. And they think that they can deduct the whole thing. And this is not true. There's even greater scrutiny if the business tries to buy, if the dental business tries to buy a vehicle.   and depreciate it, take it as 100 % use. So I know people hate to hear that, but I would just caution everyone listening, stay away from 1099 and cars in your business. But everyone's.   speaker-2 (52:12) doing   it!   speaker-0 (52:13) I heard a really great quote one day and they said Kiera everything's deductible until you get audited and I was like That's really good advice. I appreciate that. So guys, ⁓ Chris and Brent. Thank you guys for coming on the podcast Thank you for being people that I can call Brent. Thank you for being my December, you know midnight hour friend I loved last year. You said care. There's really not much we can do. Maybe we should have done this in January. So ⁓   But truly, I just appreciate you guys helping so many doctors. know you help a lot of our clients. Shout out to those clients that we mutually work together. I love working with CPA companies. I think we're a good peanut butter and jelly together. We help grow the practice, make them more profitable. You guys make sure that their books are in line. Give us the guiding stars of what levers to turn to help the practices. You take care of the taxes. So it's a really good yin and yang and   I hope all of you listening today found a lot of value. Team members, look at this for yourselves. Get the side hustle. I hope this spurred some, some topics, some conversation. Team members, can also help your practices reduce that tax bill. look for ways that you can spend end of year, just different things. So I definitely think team members have a lot of play in this as well. So Chris and Brent, thank you guys so much. It's super fun. If people want to connect with you, ⁓ maybe they're done with their CPA. Maybe they just want to find out if.   There might be another option out there. How can they connect with you? I know you guys specialize in DSOs, larger group practices, but also the solo practices as well. How can people connect if they're interested?   speaker-1 (53:40) Sure, so check us out online at our website, Profi2020.com. That's P-R-O-F-I-2-0-2-0.com. ⁓   speaker-0 (53:47) You did   that because 2020 was such a great year that you guys want to remember. ⁓   speaker-1 (53:53) That marketing plan went out the window. It was 20-20 clarity to give you clarity on your finance.   speaker-0 (53:54) No.   I   just thought I'd throw it out there. So no one will forget Pro-Fi 2020. 2020 was most memorable year guys. Don't forget it. They don't want to forget it ever.   speaker-1 (54:07) We have tons of free videos, a lot of great content on there. Check us out on our YouTube channel, all social media, know, at Profi2020. We're very easy to find. ⁓ But we're managerial accountants. It's way different than financial accountants out there. Make sure you look up that difference and know what you're asking for. ⁓ And we always do free consultations for anyone who would like it.   speaker-0 (54:29) Awesome. Well, Chris and Brent, thank you again so much, guys. Go check them out, Profi2020. Chris and Brent, they are the owners of the organization. So super grateful for you guys coming on here.   Kiera Dent (54:38) I hope you all loved today's episode as much as I did. It is crazy to think that this many episodes have been released since we started the Dental A Team Podcast. And I started looking to say, my goodness, our listeners need to be reminded of some of the things they may have learned a year ago or two years ago or five years ago, because so many things in our practices weren't relevant back then when we heard them, but they are relevant today. And I would be doing you a huge disservice if I didn't re-release some of these episodes for you to remember, to refine.   to optimize and really truly if you ever need a topic or you're like, my gosh, I wonder if the Dental A Team has anything like this, go onto our website, TheDentalATeam.com, click on our podcast tab and you can literally search any topic. So whether it's overhead or hiring or firing or team morale or engagement or case acceptance or hygiene   onboarding or whatever it is, we have so many episodes for you. And so I am going to intentionally be   re-releasing some of the top best episodes for you, pulling back some of the ones that I needed to remember, some of the things that I feel for you to really, really relearn right now and to re-remember, or if it's the first time, welcome. I'm so happy you're listening to it, but I hope you truly enjoyed today's episode. I hope that you share this with somebody. I hope that you go and implement today because we only have one day. We only get today. And so making today the best that it possibly can be. If we can help you in any way, shape or form, reach out Hello@TheDentalATeam.com.   And as always, thanks for listening and we'll catch you next time on the Dental A Team Podcast.

Moments, momentum, and legends—this podcast breaks down how being present creates powerful relationships, personal growth, and legendary success. If you're looking for motivation, leadership insight, faith-based discipline, and a blueprint for real impact, this conversation will reset your perspective.We talk about a simple but life-changing truth: when you slow down and truly see people, you create moments. Those moments turn into momentum. And that momentum? That's what builds the foundation for legendary results.I learned this the hard way.Over the last two weeks, life was moving fast—speaking to the U.S. Marine Corps, connecting with the American Military University Student Veteran Association, showing up at American Public University, taking the stage at HealthTAC (the top conference in senior living), hosting The Vibe Room, and doing my best to lead as a father, husband, and friend.From the outside, it looked like momentum.But underneath it? I skipped the most important moment of all.I got “too busy” to spend intentional time with God in the morning.And today… I got checked.I sat down, opened Proverbs 18, and it hit different. It laid out a clear blueprint for what it means to be a true friend—and it starts with presence. Real presence. Undivided attention. No distractions.Because when you're present:You create moments.Those moments create momentum.And that momentum builds something legendary.This episode is a reminder that success without alignment is empty—and that the smallest daily disciplines often create the biggest life results.Take the moment. Build the momentum. Become the legend.

Kris Dehnert, founder of Dugout Mugs, a lifestyle-driven product brand that turns baseball bats into premium drinkware and helps sports fans and gift buyers enjoy truly unique, high-quality products.Through bold product innovation and intentional brand building, Kris has grown Dugout Mugs into a multi-million-dollar business serving over a million customers, while sharing real-world insights on building businesses anchored in freedom, happiness, and long-term success.Now, Kris's journey from early failure to building a $55M-plus brand demonstrates what's possible when you redefine wealth, step away from hustle culture, and build a business that actually supports your life.And while balancing growth with presence as a husband, dad, and founder, he's showing entrepreneurs how to buy back their time and build legacies that go far beyond numbers.Here's where to find more:https://dugoutmugs.comhttps://www.instagram.com/dugoutmugs/#________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here:https://linktr.ee/unforgetyourself

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Natalie Southwell. Founder and CEO of The Essence of a Woman, LLC, a female empowerment agency dedicated to helping high‑achieving women rise with confidence, courage, clarity, and faith-driven purpose. The conversation explores: How women can overcome fear, trauma, and misaligned life decisions The role of faith, purpose, and intentionality in decision-making Her frameworks: PAIN and REAL Her personal journey to launching The Essence of a Woman How she guides women across generations—including students, early professionals, mid-career women, and women 50+—toward alignment and leadership.

Some of the most influential companies in today's economy rarely make headlines. Known as the titanium economy, these small and mid-sized industrial businesses supply the parts, systems, and expertise that keep global supply chains operating.In this episode of Supply Chain Now, Scott Luton is joined by Karin Bursa, Steffen Fuchs, Senior Partner at McKinsey & Company, and Ryan Fletcher, Partner at McKinsey & Company, to examine what makes these industrial companies so effective. The group discusses the characteristics that set them apart, from disciplined operations and close customer relationships to long-term thinking that helps them remain competitive across changing market conditions.Steffen and Ryan also share perspectives from their work with companies in sectors such as automotive, aerospace, and energy. The discussion looks at how these organizations respond to supply chain disruptions, approach growth opportunities, and invest in their people and operations. Along the way, the group explores leadership decisions, workforce development, and how companies are applying new technologies to support continued growth.Jump into the conversation:(00:00) Intro(02:28) Meet the guests and introductions(05:05) Warmup: March Madness and theater roots(08:22) Steffen discusses background in AI(10:38) Ryan's experience in mid-cap industries(14:02) Defining the titanium economy concept(19:50) Book impact and changes since 2022(23:15) Global policy and geopolitics influences(29:01) Resilience and supply chain adjustments(35:27) The great amplification cycle explained(37:14) Clusters, innovation, and regional growth(38:00) Supply chain tailwinds and opportunities(39:34) Top performers' playbook for success(41:25) Lead time and SKU management(42:39) Capacity bets that lead to success(46:02) AI as a competitive advantage(47:53) Real-world examples of AI in practice(54:36) Leadership lessons from the titanium economy(01:00:40) Trends flying under the radar todayAdditional Links & Resources:Connect with Steffen Fuchs: https://www.linkedin.com/in/steffen-fuchs/Connect with Ryan Fletcher: https://www.linkedin.com/in/ryanfletcher/Connect with Karin Bursa: https://www.linkedin.com/in/karinbursa/Learn more about McKinsey & Company: http://www.mckinsey.comLearn more about our hosts: https://supplychainnow.com/aboutLearn more about Supply Chain Now: https://supplychainnow.comWatch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-nowSubscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/joinWork with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkSupply Chain Now en Espanol WEBINAR- Visibilidad estrategica en Pharma: control, cumplimiento y resiliencia en entornos de alto riesgo: https://bit.ly/4rku7lCWEBINAR- Talent Management Playbook for Supply Chain Leaders: https://bit.ly/4uc2OfBWEBINAR- From Workforce Planning to Hourly Performance Management: How GEODIS Americas Turned Labor Productivity into a Growth Engine: https://bit.ly/4blRfKpWEBINAR- Ahead of Disruption: How AI-First Design Builds Supply Chain Resilience — and Transforms the Teams Behind It: https://bit.ly/4ldRn3bThis episode was hosted by Scott Luton and Karin Bursa, and produced by Trisha Cordes, Joshua Miranda, and Amanda Luton. For additional information, please visit our dedicated show page at: https://supplychainnow.com/titanium-economy-how-ai-supply-chains-reshaping-industrial-competitiveness-1559

Many people quietly believe intimacy should come naturally. But when it doesn't, confusion, pressure, and self-doubt often follow. In this episode of Healthy Mind, Healthy Life, hosted by Sayan, we explore a more grounded and compassionate way to understand sexual health. Joining the conversation is Asal Sepassi, an occupational therapist and sex educator who brings a trauma-informed and neuroscience-based perspective to intimacy. This episode is for anyone who has ever felt anxious, disconnected, or uncertain about intimacy in relationships. Together, they unpack how the nervous system, stress, media expectations, and self-perception influence our experiences—and how learning to regulate the body and shift focus from performance to connection can create healthier, more human intimacy. About the Guest: Asal Sepassi is an occupational therapist and sex educator who approaches intimacy through trauma-informed care and neuroscience. Her work helps people understand how the nervous system, sensory needs, and emotional safety shape sexual health and connection. Episode Chapters: 00:00 – Opening conversation and setting the context 03:18 – Why intimacy isn't always spontaneous 05:26 – What brings people to seek support for intimacy 07:00 – Anxiety, the nervous system, and sexual response 10:15 – Media myths and unrealistic expectations about sex 13:00 – Shifting focus from performance to presence 15:20 – Practical ways to regulate the body and build confidence Key Takeaways: Intimacy challenges are often connected to nervous system regulation, not personal failure. Anxiety and pressure can activate stress responses that interfere with connection. Real-life intimacy often benefits from intentional time and communication. Shifting focus from performance to presence can improve emotional and physical connection. Understanding personal triggers and calming practices can help build healthier intimacy. How to Connect With the Guest: Instagram: https://www.instagram.com/unshamedot/    Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik™️. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer. Healthy Mind By Avik™️ is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty, storyteller, survivor, and wellness advocate. With over 6000+ episodes and 200K+ global listeners, we unite voices, break stigma, and build a world where every story matters.

This week on The Found Podcast, I'm joined by brand photographer, mother of four, and longtime friend Erin Moore for a deeply honest conversation about courage, community, and what it really takes to rebuild your life and business again and again.

Elaine sits down with Melody Crisp, co-founder of humanitarian charity Thrive, for a raw, unfiltered conversation about what it actually takes to create change in the world's most forgotten crisis zones. From the reality of displaced communities in Myanmar to the collapse of global aid funding following USAID cuts, this episode pulls back the curtain.Melody breaks down why the traditional top-down charity model is broken, how Thrive is flipping the script by funding local leaders with local solutions, and why $5 genuinely changes lives. Together they tackle donor fatigue, ethical storytelling, the trauma of doom-scrolling, and what it means to show up as an activist without burning yourself out. This is a masterclass in conscious leadership, humanitarian innovation, and the quiet, consistent power of doing the next right thing.Key takeawaysLocal people usually know best what their communities actually need, and aid works better when they lead the solutions. Traditional aid systems often dilute impact because money gets filtered down through layers of administration before reaching people on the ground. Thrive focuses on getting funding closer to grassroots leaders already doing meaningful work in Myanmar. Sustainable support matters more than good optics. A water filtration system can create far more long-term impact than short-term bottled water distribution. Education is not just about schooling. In conflict zones, it can help protect children from recruitment, exploitation, and loss of life. Real community development starts by asking what strengths already exist, not just what is broken. Ethical storytelling matters. Humanitarian work should respect people's dignity, safety, and reality, rather than exploiting trauma for attention. Small contributions genuinely matter. Even modest donations can have a real and measurable effect in communities facing crisis. Hope is not passive. It is built through action, relationships, and people choosing to show up consistently, even when the problems feel overwhelming. Links:Thrive OrganizationPodcastathon Charity Event

In this episode, Evan H. Hirsch, MD, sits down with Tabatha DeBruyn, C.B. (9D), to discuss how breathwork can support nervous system retraining and why it may be an important part of recovery from Long COVID and chronic fatigue syndrome. Tabatha DeBruyn is a Transformational Breath Master and one of the few certified 9D Breathwork practitioners worldwide, specializing in nervous system regulation, emotional resilience, and stress recovery. She helps adults, teens, and children navigate anxiety, burnout, grief, and trauma using science-backed breathwork that integrates breath, sound, and somatic practices for full-body transformation. Based in Virgil, Ontario, Tabatha works with clients locally and globally through private and group sessions, and collaborates with businesses and community organizations to deliver corporate wellness workshops designed to reduce workplace stress, improve focus, and support mental well-being. In this episode, you'll learn: Why nervous system retraining is an important part of healing from Long COVID and chronic fatigue syndrome   How breathing patterns influence stress levels, brain fog, and energy   Why many people unknowingly live in chronic fight, flight, or freeze mode   A simple breathing practice that can quickly shift the body into rest, digest, and heal   How breathwork can improve mental clarity by increasing blood flow to the brain   What 9D breathwork is and how it combines breath, music, sound, and guided coaching   How somatic breathwork can help release stored emotional stress from the body   Practical breath exercises you can use during stress, anxiety, or sleep disturbances   Tabatha explains how becoming aware of your breathing patterns can help regulate the nervous system and create a greater sense of safety in the body. She also shares simple techniques you can use throughout the day to calm your mind, improve clarity, and support your healing journey. To learn more about Tabatha DeBruyn and her work, visit: Tabatha's Website: http://www.tabatha.online/   Free Gift - 5 Minute Morning Routine: https://tabatha.myflodesk.com/align . We help you resolve your Long Covid and Chronic Fatigue (ME/CFS) by finding and fixing the REAL root causes that 95% of providers miss. Learn about these causes and how we help people like you, Click Here. Do you have fatigue, brain fog, shortness of breath, muscle pain, or other strange symptoms? You might have Long Covid. Take our free quiz to find out if Long Covid is behind the mystery symptoms you're experiencing, Click Here. For more information about Evan and his program, Click Here.   Prefer to watch on Youtube? Click Here.   Please note that any information in this episode is for educational purposes only and does not constitute medical advice.

If you've ever wondered whether Spirit is actually listening, this episode is your answer! Sarah and Jane are back with the fourth installment of the beloved Monarch series, and it might just be the most magical one yet. Listener stories pour in from all corners: a song that played at exactly the right moment, a turtle who showed up in a sealed garage the morning after a funeral, a Greyhound bus that keeps appearing on the highway, oracle cards that seemed to write themselves, and a bunny sign that crossed timelines. These are real people with REAL stories. And heck yeah, Spirit is fancy! If you'd like to see pictures that are related to these stories, please visit Medium Curious instagram or MediumCurious.com  *More Monarch magic would come to life with your help - can you please share, comment, and download. We truly love hearing from you — wanna share your sign with us? What You'll Hear in This Episode Jenny's Story — Her dad in Spirit hijacks her music app with the exact lyric she needed to hear — not once, but twice, years apart Scott's Story — A medium delivers a message about a bunny before the sign appears — and then it shows up in spades on his hardest day Nicole's Story — Grieving after letting her dog Ella go, she pulls three oracle cards that say: exactly what she needs to hear. Sarah Jane's Story — A Greyhound bus becomes one of the most unexpectedly specific and persistent signs from her person in Spirit. Kisa's Story — Her son Cole, who passed unexpectedly, sends a turtle running out of a garage that hadn't been opened in a month — and then keeps sending more turtles and other magic Marisa's Story — A talented artist and Clair Club member shares how her artwork was being negotiated from the other side Key Takeaways Signs don't follow your timeline — they follow Spirit's. Multiple stories in this episode involve messages that were delivered before the moment they were needed, pointing to the idea that Spirit operates outside of linear time. The specificity of a sign is the message. A golf ball in an industrial park. A Greyhound bus. A turtle in a closed garage. Spirit isn't subtle~! You don't have to be a medium to receive. Jenny, Scott, Nicole, Sarah Jane, Kisa, Marisa — none of them set out to be "psychic." They were just open and signs found them. Grief and magic can live in the same place. As Scott's grandmother said in a private session with Jane: he's not not grieving — he's living, living, living. So stunning! Curiosity is the channel. The people in these stories weren't stomping their feet and asking.....they were paying attention and collaborating with the universe.  "When you get a sign like that, it just changes everything for that day. It really does the trick." — Sarah, on Scott's bunny sign "Not not grieving — living, living, living." — Scott's grandmother, via Jane, on how Scott is moving through loss "Once you're tuning into this material, the material is all here for you." — Jane Marisa White's Website: https://www.marisaswhite.com/ Trust falll!  Scott Darlington's Substack: https://substack.com/@mescottyd Website: https://www.mediumcurious.com Join Clair Club:  https://www.mediumcurious.com/digital-products-2-1 Explore the Intuition & Mediumship Course: https://www.mediumcurious.com Book a reading with Sarah Rathke https://www.sarahrathke.com/ Book a reading with Jane Morgan https://www.janemorganmedium.com/ Explore Jane's New Higher Calling Cohort https://www.janemorganmedium.com/higher-calling Jane's Substack: https://janemorgan.substack.com Instagram: https://www.instagram.com/mediumcuriouspod/

Thanks for listening to Episode #71 of the EDventUres in Tech Podcast. In this episode of EDventUres in Tech, we're diving into the latest Google updates that are quietly transforming the way educators and professionals work—and the powerful AI tool you didn't know you needed: NotebookLM.If you've been feeling overwhelmed by information, lesson planning, or keeping up with tech, this episode is your shortcut.We break down:What's new with Google and why it matters for educationHow NotebookLM works (and why it feels like your personal AI assistant)Real ways to save time, stay organized, and boost productivityWhy this tool might become your new “best friend” in work and lifeWhether you're an educator, tech enthusiast, or just looking to work smarter—not harder—this is one episode you don't want to miss.

Let's play a game. This week, I'm bundling together video game trivia for three different genres. The three-letter genres: First-Person Shooters (FPS), Role Playing Game (RPG), and Real-time Strategy (RTS). Connect with the show: DorkyGeekyNerdy.com Patreon BlueSky Facebook Spotify Discord Reddit

Real growth doesn't come easy. Dr. Tony Evans explains how God's grace strengthens us in thorny seasons and describes the benefits waiting for us when we learn to depend on His power instead of our own.

Welcome to TIME WASTING! Your home for anything and EVERYTHING women's soccer. Ali Riley & Kelley O'Hara take you through a WILD NWSL Kickoff weekend that started with the Portland Thorns getting their revenge over the Spirit, and saw BOTH NWSL expansion teams earn their very first red cards in game one. We're getting REAL about the High Impact Player Rule (spoiler: we are NOT on board). PLUS we're ranking all of our favorite off season moves and just how those could impact the league this season. Chapters 00:00 Introduction 01:47 WILD Kickoff Weekend 03:02 Thorns get REVENGE Over Spirit 06:14 KC Comeback vs. Utah 07:79 Gotham Ruins Boston's Debut 10:21 Red Cards For ALL 13:12 Dash STUN Wave… 16:02 Angel City BLOWOUT Stars 19:40 Savy King RETURNS 21:13 Crystal Dunn's Impact 23:56 NWSL Retirements 28:14 The Trinity Rodman Rule 32:22 Players Want a Higher Salary Cap 33:40 Catarina Macario to Wave FC 35:53 Blind Ranking Offseason Moves 41:01 Last Minute NWSL Transfers 50:12 Alright, BET Just Women's Sports is the leading digital media platform dedicated exclusively to women's sports. In a world where women's sports have been historically underfunded and under-promoted, Just Women's Sports exists to shine a light on all the stories, athletes and moments that define and fuel the space. Through original podcasts, premium video programming, social media, editorial content, a newsletter, and exclusive merchandise and live events, Just Women's Sports is committed to making it both easy and fun to be a women's sports fan. Listen to Time Wasting here: Apple Podcasts: https://podcasts.apple.com/us/podcast/time-wasting/id1522055041 Spotify: https://open.spotify.com/show/6RTMyWpdSBY9I4vO528qX3?si=4ffbdaf315814b19&nd=1&dlsi=8ead3e4fd463490d iHeart: https://www.iheart.com/podcast/269-time-wasting-68461888/ Amazon Music: https://music.amazon.com/podcasts/a6f36ad8-f5e2-4478-8650-3f6f8805810b/time-wasting Add us on: Instagram: https://www.instagram.com/justwomenssports/ Twitter: https://twitter.com/justwsports Tik Tok: https://www.tiktok.com/@justwomenssports? Learn more about your ad choices. Visit megaphone.fm/adchoices

Springtime is here, and that means breathing issues. What if your breathing problems are connected to grief your body is carrying? In TCM, grief and the lungs are deeply connected. In this episode, Dr. Motley explores this connection, remedies to consider and the possibility that you could be carrying generational grief. Dr. Motley's recommendations: For Lung Health DesBio Large Intestine + Lung Meridian Opener: https://dbscript.com/product/lung-large-intestine/ Woad Supreme: https://tinyurl.com/3hkvr4jr Scutalleria Supreme: https://tinyurl.com/yyczfhy3 DesBio Systemic Drainage: https://dbscript.com/product/systemic-drainage/ For Healing Grief EMDR LENS Neurofeedback EFT Tapping: thetappingsolutions.com NET NET Spray Metal: https://a.co/d/06t5wZe6 ------  Want more of The Ancient Health Podcast? Subscribe to the YouTube channel. Follow Dr. Motley! Instagram Facebook Tik-Tok Website ------  * Y'all… not all Vitamin C is created equal.

In this powerful and transformative episode of The Unapologetic Man Podcast, host Mark Sing breaks down the 4 fundamental laws that completely changed his life and led to explosive success in just five years. From becoming a multimillionaire to building a life of abundance with women, money, and freedom, Mark reveals the exact mindset shifts and daily practices that separate men who struggle from those who consistently get what they want. This episode dives deep into the psychology of giving, eliminating negative thought patterns, cultivating true appreciation, and embodying the identity required to attract success before you ever achieve it. Key Takeaways: - Why "giving first" is the foundation of success with women and money - How negative thinking silently sabotages your results (and the NLP trick to eliminate it instantly) - Why appreciation is one of the most powerful forces for attracting abundance - The "Be, Do, Have" principle and how to become the man who naturally attracts what he wants Key Timestamps: [00:00:00] – Episode intro [00:00:47] – Why this may be the most important episode yet [00:01:18] – The 4Runner story and visualizing success into reality [00:02:42] – Testing your mindset around money and success [00:04:16] – Law #1: Give and you will receive (karmic marketing explained) [00:05:22] – Real-life example of generosity and abundance [00:06:46] – Why screwing over other doesn't work [00:10:36] – Give before you get [00:11:42] – Law #2: Eliminating negative thoughts instantly [00:12:16] – The "erase that" NLP technique examples [00:11:36] – Law #3: The power of appreciation and gratitude [00:14:30] – How you can implement gratitude [00:16:04] – Law #4: The "Be, Do, Have" principle explained [00:16:42] – Visualization, identity, and becoming a girl magnet [00:17:31] – How daydreaming shapes your reality [00:20:29] – Final recap of the 4 laws [00:21:41] – Episode outro Connect With Mark: Apply for Mark's 3-Month Coaching Program: https://coachmarksing.com/coaching/ Check Out The Perks Program: https://coachmarksing.com/perks/ Email: CoachMarkSing@Gmail.com Instagram: https://www.instagram.com/coachmarksing/ Grab Mark's Free Program: The Approach Formula - https://www.CoachMarkSing.com/The-Approach-Formula About The Unapologetic Man Podcast The Unapologetic Man Podcast is your resource for mastering dating, attraction, and relationships from a confident, masculine perspective. Hosted by Mark Sing, this podcast gives men the tools and mindset shifts needed to succeed in their dating lives and build lasting, high-value relationships.#SelfImprovement #Mindset #LawOfAttraction #SuccessMindset #Masculinity #Confidence #Abundance #InnerGame #PersonalDevelopment #DatingAdvice #UnapologeticMan

00:00:00- St. Patty's Day Fact Or Fiction00:07:26- Real or Fake Tourist Traps 00:15:24- Which Is Better?00:23:06- Who Has Best Irish Accent?00:28:40- KVJ Pranks Ireland00:35:00- Scolded For Something Random00:41:12- Lamest Mid Life CrisisSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this powerful episode of The Mike Litton Experience, host Mike Litton sits down with Alan Northcutt to uncover a remarkable life story filled with courage, resilience, and purpose. From flying 181 combat missions in Vietnam as a Marine Corps F-4 fighter pilot to building a 60-year career on Wall Street, Alan shares the lessons that shaped his journey. He opens up about pivotal life moments—including personal struggles in the 1980s that inspired him to write his heartfelt book, The Legend of Christmas. Discover how a simple Christmas story about “Ugly the Moose” carries powerful messages about belonging, service, and finding your purpose. This episode is packed with wisdom on leadership, perseverance, and creating a meaningful legacy. What you'll gain from this episode: Real-life lessons from a Vietnam combat pilot Insights from decades in finance and leadership Inspiration to find your purpose and make an impact A heartwarming story behind a future Christmas classic If you're inspired by stories of resilience and success, make sure to subscribe to The Mike Litton Experience for more incredible conversations with leaders, entrepreneurs, and storytellers. Subscribe now and never miss an episode! Like, comment, and share to support the channel! Welcome to The Mike Litton Experience Podcast! Mike is passionate about being a father, a teacher, a Realtor, an investor and a leader! Everyone has a story and our passion is to help them tell it! We never want you to miss an episode, so please be sure to subscribe. Could we ask you for two quick favors? If you like our program, please tell a friend. Wherever you get your podcasts please leave us a rating. It helps us to connect with quality people just like you! Reach out to Mike on Instagram @themikelittonexperience. Thank you for joining us for The Mike Litton Experience! Who you work with matters and we would be honored to interview with you or anyone you know to sell your home! If you have questions, please reach out text or call 760-522-1227. Thank you! #livinginsandiego, #movingtosandiego, #themikelittonexperience, #homesforsaleinsandiego, #mikelitton, #sellahomeinsandiego, #buyahomeinsandiego, #toptipstogetthebestoffer #themikelittonexperience

In this episode of Coin Stories, Natalie Brunell sits down with James Check -- one of Bitcoin's most respected on-chain analysts -- to decode what the data actually says about market cycles, investor psychology, and where we are right now. We discuss: Read the market, not the noise — How on-chain data reveals what investors are really doing Cycle signals decoded — Key indicators at tops, bottoms, and trend reversals Who's actually buying? — Real capital flow dynamics and myths busted Why timing the bottom is a trap — Strategic frameworks for navigating market extremes Quantum computing & Bitcoin — The real threat timeline and what the network is doing ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Join us for the biggest Bitcoin conference in Europe at BTC Prague this June 10-13 with a keynote from Michael Saylor, Code HODL for discounted passes: https://btcprague.com/  Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing    

You make good money. You're saving, investing, and doing the things you're supposed to do. And yet when you look at your bank account or credit card statement, your money still feels messy. Where did it all go? A lot of high earners assume the problem is budgeting. If they could just stick to a plan, track every category, and control their spending, everything would finally feel organized. But traditional budgeting often fails for people with demanding careers, busy lives, and real financial complexity. In this episode, Shari Rash, founder of GWA Wealth, explains why budgeting doesn't work for many high earners and why feeling chaotic with money has less to do with discipline and more to do with how your life actually functions. You'll learn how time scarcity, decision fatigue, social expectations, emotional reward cycles, and comparison quietly shape spending patterns, even when you're earning a strong income. Shari also introduces a simple framework that helps you look at spending differently so you can stop obsessing over categories and start making more intentional decisions with your money. Instead of trying to spend less, this episode will help you learn how to spend on purpose. You'll hear why traditional budgeting systems often fail for high earners, how time scarcity and decision fatigue drive spending habits, the difference between value spending, convenience spending, and nonsense spending, and how to design a spending system that actually works in real life. You'll walk away with a clearer way to evaluate your spending, a framework for aligning your money with what actually matters to you, and a simple exercise you can use this week to start making more intentional money decisions. If you're ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices

Self love is not just a motivational phrase. It is a daily practice that shapes your confidence, your relationships, and the future you create for yourself. In this episode, Luke shares powerful insights from his own journey and introduces three practical steps that anyone can start applying immediately. 1. Mirror Work One of the most powerful exercises for building self love is mirror work. This exercise requires you to look directly into your own eyes in the mirror and speak truth and compassion to yourself. Luke teaches a simple structure for this practice using three powerful statements repeated seven times each. (Your Name) I am proud of you for… (Your Name) I forgive you for… (Your Name) I am committed to… By repeating these statements while looking into your own eyes, you begin to reprogram the subconscious mind and build a deeper relationship with yourself. Luke recommends doing this exercise daily for at least 100 days, and ideally 200 days, to create real transformation. 2. Communication Through Carefrontation Healthy self love also requires healthy communication. Luke explains the concept of carefrontation, a way of expressing your feelings honestly while still leading with compassion. This approach works like a sandwich structure. First, acknowledge something positive about the person.Second, share honestly how their behavior affected you or hurt your feelings.Third, express what you need or how you would like the situation to improve. This method allows you to stand up for yourself while still maintaining respect and connection. 3. Action and Consistency Self love is not only about mindset. It is about action. Real change happens when you show up consistently and apply the practices every day. Mirror work only works when you commit to doing it. Communication only improves when you practice it. Transformation happens when you take action, even on the days when it feels uncomfortable. Self love is not a one time realization. It is a daily discipline. Disclaimer This podcast is intended for educational and personal development purposes only. The information shared by Luke Mind Power reflects personal experiences, coaching insights, and motivational guidance. It is not intended to replace professional medical, psychological, or therapeutic advice. If you are experiencing serious mental health challenges, please seek support from a qualified healthcare professional. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this podcast extra, Chef Mario Carbone joins Ari Melber for a conversation about restaurants, cooking and his path from shucking shrimp to building the Carbone empire. Then Ari hosts Ish from The Joe Budden Podcast for an extended discussion on rap today, Jay-Z, Jay Electronica, Lyor Cohen, haters, the impact of streaming, music that plays best outside and even the “Verizon Man.” These new interviews are a Beat bonus from our podcast series “The B-Side.” Real talk and Ari's extended conversations off air. To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Real people describe seeing family members in two places at once — and in every case, the double refused to speak, refused to answer, and then simply vanished. These are their stories. #WDRadio MARCH 15, 2026==========HOUR ONE: Violence, mayhem, even rape. Horrifying atrocities committed by the most evil of human beings – but in one case, in Culver City, California, it wasn't a man who engaged in these obscenities, but specters of the paranormal. (A Famous Case of Frightening Entities) *** We'll delve into a handful of out-of-body experience stories directly from those who lived through them – and they might change your opinion about the afterlife. (Surviving Out of Body Experiences) *** We'll look at true encounters from Redditors who claim to have come across doppelgangers – their exact duplicates, or duplicates of those they love – and it's almost always a disturbing experience. (Creepy Encounters With Real Doppelgangers)==========HOUR TWO: There are roads on Long Island that are much more than a line between two points. Some roads contain legends that travel with you on your journey. (Mount Misery and Sweet Hollow Road) *** In 1981, a cabin in the woods played host to a brutal family murder. We'll look into the still unsolved murders of the Keddie killings. (The Unsolved Keddie Killings) *** Sightings of strange, pale creatures are being reported in California – and now over two decades from the first sighting, we still don't know what the Fresno Nightcrawlers truly are. (Freaky Reports of Pale Crawlers)==========SUDDEN DEATH OVERTIME: During the grueling Great Northern Expedition, naturalist Georg Wilhem Steller came face-to-face with one of the sea's most mysterious creatures. Or did he? (Steller's Sea Ape) *** Weirdo family member Jamie Tyroler shares what happened to her and a few friends when they rummaged through a demolished building, only to find something still existing there. (The Ninth Street Entity) *** Weirdo family member Daniel Hagan shares how he once explored some woods on his bike and ended up pedaling for his life to escape paranormal beasts that appeared from nowhere. (Demon Dogs) *** Digging in their backyard, two brothers find what appear to be small human heads carved of stone… but the curious find turns creepy once they bring the heads into the house, resurrecting sightings of a wolf-like creature not seen in almost seventy years. (Hexam Heads and the Wolf of Allendale) *** In 1886 Chicago, one of the nation's very first serial killers would build a sadistic chamber of horrors to live out his most demented fantasies. (Murder Castle of Chicago)==========SOURCES AND REFERENCES FROM TONIGHT'S SHOW:“Freaky Reports of Pale Crawlers” by Brent Swancer: http://bit.ly/2O9fG6C“Mount Misery and Sweet Hollow Road” by Arthur Criscione: http://bit.ly/2LXUr4K“The Unsolved Keddie Killings” by Orrin Grey: http://bit.ly/2LYC8fK“Steller's Sea Ape” by Andrew Thaler: http://bit.ly/2XMpxDM“The Ninth Street Entity” by Weirdo Family member Jamie Tyroler“Creepy Encounters With Real Doppelgangers” by Nathan Gibson: http://bit.ly/2YkPTwL“Demon Dogs” by Daniel Hagan, submitted at https://WeirdDarkness.com/submit“Surviving Out of Body Experiences” by Audrey Webster: http://bit.ly/2M3bMKx““A Famous Case of Frightening Entities” by Brent Swancer: http://bit.ly/2M3YGg3“Hexam Heads and the Wolf of Allendale” by Neil Boothman: http://bit.ly/2Kut2Fn and http://bit.ly/2Kiufk0“Murder Castle of Chicago” by Brent Swancer (link no longer available)==========(Over time links seen above may become invalid, disappear, or have different content. I always make sure to give authors credit for material I use whenever possible. If I have overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it immediately. Some links may benefit me financially through qualifying purchases.)=========="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46==========WeirdDarkness®, WeirdDarkness© 2026==========To become a Weird Darkness Radio Show affiliate, contact Radio America at affiliates@radioamerica.com, or call 800-807-4703 (press 2 or dial ext 250).

Watch this episode on YouTube HERE: https://youtu.be/GSP5ib40C9w In Episode 736 of the Half Size Me Show, Heather talks with Elanor about how her lower brain created worst-case stories from the very start of her day. Plus, they chat about: Understanding the "thought funnel" (why the real trigger for emotional eating begins long before you open the fridge). How overcoming binge eating doesn't mean the lower brain quiets down. The value of hearing from multiple teachers and coaching approaches. And more! Subscribe to Half Size Me Podcast Premium for access to our library of HUNDREDS of hours of past episodes! As a subscriber to Half Size Me Podcast Premium, you will get: --Access to the entire 650+ episode archive --Access weekly episodes a day EARLY --Access to EXCLUSIVE, subscriber-only episodes including the Coaching Karolina and Coaching Sarah series --Access to subscriber-only audio responses to “Ask Me Anything” questions Become a podcast premium subscriber today and make Heather and the Half Size Me show a part of your weight loss journey! Do you want to get support and connection at a price you can afford? Then check out the Half Size Me Academy here: https://www.halfsizeme.com/hsm-academy/ About Half Size Me The Half Size Me™ Show is a weekly podcast. It will inspire and motivate you no matter where you are in your weight loss journey. Whether you're just getting started losing weight or having worked on your health and wellness for years, this show is for you! The Half Size Me Show is hosted by Heather Robertson, who lost 170 pounds over a period of 5 years and has maintained since 2012. Heather did it by learning new eating habits, getting regular exercise, and changing her mindset. On her popular weekly podcast, The Half Size Me Show, Heather shares her own lessons and struggles with you, and she shows you how to handle the real challenge of any weight loss journey... weight maintenance. Be sure to subscribe to The Half Size Me Show and join Heather every week as she shares information, inspiration, coaching, and conversations with REAL people who've learned weight loss isn't only about losing pounds, it's about finding yourself. Disclaimer: Heather is not a doctor, nurse, or certified health professional. What worked for her or her guests may not work for you. Please talk with your doctor, dietician, or other certified health professionals when seeking advice about your own weight loss or weight maintenance plan. All information included in The Half Size Me™ Podcast and on HalfSizeMe.com is for informational and inspirational purposes only. For additional disclaimer information, please visit HalfSizeMe.com.