Podcasts about real cost

In today's episode, I sit down with Rhonda Kich, the powerhouse founder of EquityFirst and a trusted voice in financial literacy. We talk about the lessons that shaped my newest book, the role toxicity played in my past, and the hard reset that came after losing everything. I share how my wife's push for accountability changed my path, the balance between being fed and being bled, and the frameworks I use to mentor others through growth. Rhonda and I also explore the realities of outgrowing relationships, building aligned teams, and raising kids with clarity, consistency, and values that support long-term happiness.

Kent Beck: You're Ignoring Optionality… and Paying for ItIn this episode of Maintainable, Robby speaks with Kent Beck, a foundational voice in modern software development and author of Tidy First?. Kent joins from California to explore why optionality is a central, often underestimated dimension of maintainable software.Kent begins by describing the tension between features and future flexibility. Shipping new capabilities is easy to measure. Creating options for what comes next is not. That imbalance is where maintainability either flourishes or collapses. Senior developers in particular must learn to navigate this tension because they have lived through the consequences when no one does.They reflect on how cost models have shifted across the last five decades. Early in Kent's career, computers were expensive and programmers were cheap. Today the balance often flips depending on scale. At massive scale, electricity and compute time become meaningful costs again. That variability shapes whether teams optimize for hardware efficiency or developer efficiency.Episode Highlights[00:00:46] The Two Forms of Software ValueKent explains why software value comes from both current features and the options you preserve for future work. He describes optionality as the invisible half of maintainability.[00:03:35] When Computers Become “Expensive” AgainRobby and Kent revisit the shift from hardware-optimized development to developer-optimized development and how large-scale systems have reintroduced compute cost pressures.[00:07:25] Why the Question Mark in Tidy First?Kent shares why tidying is always a judgment call and why he put a question mark in the title.[00:10:14] The Real Cost of Speculative FlexibilityThey discuss why adding configurability too early creates waste and why waiting until just before you need it increases value.[00:13:46] Making Hard Changes EasyKent outlines his guiding idea. When you face a difficult change, make the change easy first, then make the easy change.[00:17:08] The Feature SawKent explains his features versus options graph and how teams repeatedly burn optionality until they hit zero. At that point, forward movement becomes painful.[00:19:37] Why 100 Percent Utilization Is a TrapKent discusses how queuing theory shows that full utilization pushes wait times toward infinity. Overcommitted teams have no room for design work.[00:22:44] Split Teams Do Not Solve the ProblemRobby talks about consulting scenarios where “tidy teams” and “feature teams” are separated. Kent argues that this splits incentives and prevents optionality from being sustained.[00:26:15] Structure and Behavior Should Not Ship TogetherKent describes why feature changes are irreversible, structure changes are reversible, and why combining them increases risk for everyone.[00:30:37] Tidying Reveals IntentWhile cleaning up structure, developers often uncover logic flaws or misunderstandings that were previously hidden.[00:32:00] When Teams Discourage TestingKent shares stories about environments where developers were punished for refactoring or writing tests. He explains why building career options is essential in those situations.[00:37:57] Why Tidying Is an Ethical ObligationKent reframes optionality as a moral responsibility. No one should make work harder for the next person who touches the code.[00:41:33] Succession and SlicingKent describes how nearly every structural change can be broken into small, safe steps, even when the change first appears atomic.[00:47:00] A Small Habit to Start TodayKent suggests adding a blank line to separate conceptual chunks in long functions. It is a small step that improves clarity immediately.Resources MentionedTidy First? by Kent BeckKent Beck on SubstackThe Timeless Way of Building by Christopher AlexanderThanks to Our Sponsor!Turn hours of debugging into just minutes! AppSignal is a performance monitoring and error-tracking tool designed for Ruby, Elixir, Python, Node.js, Javascript, and other frameworks.It offers six powerful features with one simple interface, providing developers with real-time insights into the performance and health of web applications.Keep your coding cool and error-free, one line at a time! Use the code maintainable to get a 10% discount for your first year. Check them out! Subscribe to Maintainable on:Apple PodcastsSpotifyOr search "Maintainable" wherever you stream your podcasts.Keep up to date with the Maintainable Podcast by joining the newsletter.

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Speaker: Pastor Mabio Coelho Original Broadcast Date: December 6, 2025 Bulletin | Reflection YouTube video: https://youtu.be/-A6uh8zFgvo

Leticia Duarte joins Ian for the 500th episode of Locked In to finally share her side of the story — her arrest, her past, how the two met, and what it's really like dating someone with a criminal record. Leticia opens up about her childhood, the mistakes that changed her life, the moment she was arrested, and the lessons she learned along the way. She talks honestly about supporting Ian through his journey, what dating a felon actually looks like behind the scenes, and how their relationship grew through challenges, questions, public eyes, and the realities of redemption. This episode also includes fan questions, behind-the-scenes moments from their relationship, and conversations about love, loyalty, mental health, personal growth, and rebuilding your life after setbacks. If you're interested in real stories, prison and arrest experiences, relationship struggles, and honest conversations about life after mistakes, this episode gives you a raw and personal look at everything you've always wanted to know about Leticia and Ian — together. #PrisonStories #TrueCrimePodcast #LockedInWithIanBick #ArrestStory #InmateStories #RedemptionStory #DatingAFelon #RealLifeStories Thanks to BLUECHEW, AURA FRAMES & PRIZEPICKS for sponsoring this episode: BlueChew: Get 10% off your first month of BlueChew Gold with code LOCKEDIN. Visit https://bluechew.com/ for more details and important safety information Aura Frames: Exclusive $35 off Carver Mat at https://on.auraframes.com/LOCKEDIN. Promo Code LOCKEDIN Prizepicks: Visit https://prizepicks.onelink.me/LME0/IANBICK and use code IANBICK and get $50 in lineups when you play your first $5 lineup! Connect with Leticia Duarte: Instagram: https://www.instagram.com/leticiaa_duartee/ Podcast Instagram: https://www.instagram.com/sips.and.secrets/ TikTok: https://www.tiktok.com/@sipssecrets.w.let?_t=ZP-8yPWBUScOsR&_r=1 YouTube: https://www.youtube.com/channel/UCazI24pakcI62suCDfQTh7Q Spotify: https://open.spotify.com/show/28lCiWPFaDXSDEC1y5wHSp Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ Shop Locked In Merch: http://www.ianbick.com/shop Timestamps: 00:00 Intro – Celebrating 500 Episodes of Locked In 02:00 What 500 Episodes Taught Me (The Real Behind-the-Scenes) 05:30 How the Podcast Grew: Viral Moments, Guests & Evolution 11:00 Leticia Joins: Our Relationship, Struggles & Funny Stories 19:00 How We Met: The Full Story You've Never Heard 26:00 Leticia's DUI: The Arrest, Fallout & Hard Lessons Learned 36:00 The REAL Cost of a DUI: Money, Court, Stigma & Recovery 41:30 Life Changes After a DUI: Coping, Growth & New Routines 46:00 Listener Q&A: Biggest Podcast Moments, Fan Questions & Secrets 54:00 Dating With a Criminal Record: Judgment, Trust & Navigating Life 01:00:00 Wild Stories From the Studio: Guests, Mishaps & Surprises 01:07:00 Living Together: Daily Routines, Challenges & What Works 01:12:00 Attention, Fame & Handling Celebrity Guests 01:15:00 Dream Guests, Future Plans & What's Next for the Podcast 01:16:30 Final Thank You – 500 Episodes, Gratitude & What's Coming Learn more about your ad choices. Visit megaphone.fm/adchoices

It's one of the toughest financial moments you'll ever face: someone you care about needs help, and you feel torn between wanting to support them and protecting your own financial future. In this episode, we talk openly about the emotional pressure of lending money to friends and family, and the real consequences most people don't think about until it's too late. You'll hear a balanced look at boundaries, alternatives, and healthy ways to navigate these situations without damaging relationships or your retirement plans. Here's some of what we discuss in this episode:

Ash welcomes Paul Sippil, a forensic 401k consultant, to discuss the complexities and hidden issues often found in group retirement plans, particularly 401k and profit sharing plans within dental practices and other small businesses. Paul shares how his unique role focuses on exposing conflicts of interest, unnecessary fees, lack of transparency, and even fraud within these plans. He describes how business owners and plan participants frequently misunderstand how fees are assessed, often assuming they pay nothing out-of-pocket—when in reality, high costs may be embedded, sometimes even continuing long after the original adviser has left or, in some cases, passed away.Paul explains the mechanics of broker commissions, how these fees are often hidden from both employers and employees, and the importance of transparency in fee structure. He provides practical advice for dental practice owners and other professionals on how to minimize costs by paying fees directly at the employer level, allowing for tax deductibility and better cost control. Paul also covers the value of one-on-one meetings with advisers for plan participants, and offers recommendations on how owners can better manage their retirement plans to avoid unnecessary expenses and potential abuses.To learn more or connect with Paul, visit: https://www.paulsippil.com/Key Topics Discussed: What a forensic 401 (k) consultant doesCommon misunderstandings and hidden fees in group retirement plansBroker commissions and lack of fee transparencyReal-world examples of fee abuses and potential fraudWhy dental and other professional practice owners should pay retirement plan fees directlyImportance of transparent, fixed-fee arrangements with advisersThe value and scarcity of one-on-one meetings between advisers and participantsSimple steps to reduce retirement plan costs and improve oversight

One of the devil’s time honored strategies to deceive people is “underestimating” the cost of sin and iniquity. In this podcast, I use 1 Thessalonians 5:22 to explain how God helps us understand (and evade) this strategy. Listen and be blessed. Shalom! Audio Download

Send us a textWe've all been there… a homeowner calls because the “cheap guy” left them with a leaning fence, bad materials, or a job that didn't even make it through the first season

In this episode: How many hours have you spent this year in Canva, tweaking fonts and colors, wondering if your brand really reflects who you are? If you're nodding your head right now, you're not alone. So many food bloggers are creating incredible content but struggling with a brand foundation that just doesn't quite feel right. Here's the thing: your branding isn't just about having a pretty logo. It's about having a clear filter for every decision you make in your business—from the content you create to the platforms you show up on to the products you develop. And when that foundation is shaky? Everything else feels harder than it needs to be. That's exactly why we've updated our branding package for 2026 with some game-changing additions that I'm genuinely excited to share with you.        Key points from this episode: The Real Cost of Not Having a Brand Foundation Why We Never Just Design Logos What's Inside: The Strategy Side What's Inside: The Visual Side What's New for 2026 The Process: How It Works Who This Package Is For Your Next Step     Related content: The Crafted Website Experience Sign up to get podcast updates sent directly to you!   Connect With Madison Instagram | Website | Show Notes Work with Grace + Vine in 2026: Design Services for Food Bloggers Our newest way to redesign your website! Learn more here.

Thinking about giving your kids or grandkids part of their inheritance now? Frank and Frankie Guida unpack the “giving while living” trend, revealing what you need to consider before making a big financial gift. Discover how a retirement roadmap can help you balance generosity with your own long-term security, and hear real stories of retirees navigating these decisions. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

We were thrilled to welcome back acclaimed psychological thriller author and Richard & Judy Bestseller, Lizzy Barber, to the show. Lizzy is the author of several gripping novels, including Be Mine, and has a knack for cutting right through the polished facade of the author life to reveal the messy, chaotic, and often hilarious reality.As The Writing Community Chat Show, recently ranked among the top 10 writing podcasts in the UK, we've interviewed over 360 authors, from NYT best-sellers to indie superstars. Few, however, have been as candid as Lizzy about the sheer struggle of creative output when life throws everything at you.This conversation is essential listening for anyone who feels they are running out of time, energy, or hope while chasing their writing dreams.1. The Real Cost of ‘The Slow Draft.'Lizzy shared that her current novel, her fifth, has been the slowest to write, a process she describes as being “on ice.” This wasn't due to a lack of ideas but due to life: the birth of her daughter, dealing with family loss, and major personal hardships.The interview kicked off with a major truth bomb about managing expectations. Lizzy, who is working on this novel while juggling motherhood and dealing with family issues, admitted she has learned to accept a 500-word-a-day target.“I have worked out that for me that has meant 500 words a day. And I'm comfortable with that. And some days I will write a thousand and think, ‘what a great day.' And then the next day I might write two.”She argues against the perceived hierarchy in the writing community that values speed and high word counts. While some authors happily “splurge 4,000 words a day,” Lizzy opts for quality, slow progress, where her 500 words are likely to be “500 really good words that won't get cut up or replaced.”This is a powerful reminder: the goal is the finished product, not the speed of the first draft.2. Navigating Publishing: Big Five vs. Indie.Lizzy has the unique experience of having worked with both ‘Big Five' publishing houses and an indie publisher (Dura). She offered a rare, side-by-side comparison of the two models:3. The Uncomfortable Question: Imposter Syndrome.Perhaps the most resonant part of the conversation for aspiring and established writers alike was Lizzy's raw honesty about self-doubt.When discussing the draft she just completed after two years, she was upfront about her inner turmoil: “There is a part of me that thinks that this might not actually work as a book and that I might junk it.”This is imposter syndrome at its highest level - the doubt that creeps in after hundreds of hours of work. For Lizzy, this feeling is exacerbated by an “uneven publishing experience” and the anxiety of never finding a constant publisher “home.”“The worst thought is this kind of awareness of never being published again—that you're kind of you're done... That's the kind of constant fear that you kind of live on the highwire of as an author.”Her advice for surviving this? Focus solely on the writing, because that is the only thing you can control. Don't chase trends, and don't let external noise or sales charts dictate your self-worth.4. The Author Brand: Be Yourself. (Even If You're ADHD)Lizzy, who recently started to explore the possibility that she has undiagnosed ADHD, spoke about how she manages her time and how her personality informs her public persona.She admits she is good at jumping into pockets of time but “can't write around the chaos.” She needs to compartmentalize her writing time, a vital lesson for any busy creative.On building an author brand, her advice is simple: Be authentic.If you are an introvert who hates reels and being on camera, don't force it, it won't feel fun or look genuine. But if you, like Lizzy, are comfortable debating, answering difficult questions, and being visible:“I love being on camera. I trained as an actress... I like the sound of my own voice. I don't mind being silly. I don't mind being filmed. I say [to my publisher] use me for that. I'm very comfortable to kind of debate and be asked hard questions.”Find your niche, whether it's through newsletters, blogs, or public appearances, and commit to it. But whatever you do, avoid the pressure to join the “5 a.m. writer's club” just because it sounds productive. Prioritize your sleep and your process.Watch the Full Interview.Lizzy's interview is full of crucial, honest advice for writers at every stage of their career. We cover everything from the psychological complexities of her thrillers to the magic of the Harrogate Crime Writers Festival.Watch the full episode below (or listen to the podcast audio):Connect with Lizzy Barber:* Instagram: @byLizzyBarber* Buy Her Books: Available on Amazon, the Dura website, and all good bookstores.Join our brand new community on our Stanstore! After conducting 360 plus interviews, we have compiled digital products to help your writing. Plus, community members get access to our live writing sprints where we write with you, keep you accountable, and give you free access to our 1-on-1 video coaching. There are forum like tabs in our community group where you can post work and receive advice, plus, much more. Join here: https://stan.store/TheWCCSSupport Our Non-Profit CIC.As many of you know, The Writing Community Chat Show is now officially a non-profit Community Interest Company (CIC). Our mission is to support authors and creatives through interviews, workshops, competitions, and community projects.Running the show takes time, effort, and resources — from live streaming and editing, to event hosting and outreach. If you enjoy what we do and want to help us continue providing a platform for authors, please consider donating directly to our PayPal. Every contribution goes right back into growing the show and supporting the writing community.Donate here: https://www.paypal.com/paypalme/TheWCCSEven the price of a coffee makes a difference in helping us keep the lights on, the mics live, and the conversations flowing.Featured on these blog posts as one of the best writing podcasts:Number 7 in the top 11 writing podcasts of 2025 by Million Podcasts. com https://millionpodcasts.com/author-interview-podcasts/…Number 3 in the top 10 best writing UK podcasts of 2025.https://podcast.feedspot.com/uk_writing_podcasts/The 10 best writing podcasts of 2024, No1 The Writing Community Chat Show - 10 Best UK Writing Podcasts You Must Follow in 2024 (feedspot.com) This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thewccs.substack.com/subscribeBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-writing-community-chat-show--5445493/support.

“If I really spent $4,000 a month, I'd have a villa and a problem.”Having Markeiz back on Discover Vietnam felt like picking up a conversation we never really finished the first time. When he first joined me back in 2020, I was recording out of my bedroom, praying the iPhone wouldn't ruin the audio. This time, we were sitting in a full podcast studio — lights, cameras, a technician, the whole lot. It made me think about how much this show has grown, and how much life in Vietnam has shaped both of us.This episode wasn't about headlines or clickbait. It was about getting past the noise — especially the noise created after his CNBC video “Living on $4,000 a Month in Vietnam” went viral. That title got people talking, but most of the reactions didn't include the actual context. And nothing drives me madder than a story taken out of context.I wanted to let him tell the full story himself — the chaos that brought him to Vietnam, the visa confusion everyone goes through, the reality behind that $4,000 figure, and why life here works for him. What I loved most is that the conversation wasn't defensive. It was honest. It was grounded. It was two people who love living in Vietnam but also understand the complexities and privilege that come with that.Key Talking Points1. The Real Story Behind the “$4,000 in Vietnam” Headline2. From Military Punishment to a Life Rebuilt Abroad3. Visa Confusion, Missteps, and the Reality of Living Here4. What Life in Vietnam Actually Costs — Not the Myths5. Are Foreigners Really Driving Up Housing Prices?Chapters & Timestamps00:00 – Returning Guest, Studio Glow-Up & Podcast Confessions05:00 – Military Punishment & the Spark That Led to Vietnam12:00 – Visa Scams, Emergency Visa Fees & Life's First Curveballs18:00 – The $4,000 Headline: What CNBC Didn't Show26:00 – The Real Cost of Living Here (and Why “Cheap” Is Misleading)36:00 – Are Foreigners Pushing Up Housing Prices? The Myths Unpacked"Send me a message!"Vote now for Discover Vietnam! The full list of winners is here. Support the show

In this episode of "The Dirt on Flowers," Lyndsay and Shannon discuss the vital role of planning and self-care in building a profitable, sustainable flower farm. Drawing from their own experiences, they highlight how having a clear business plan prevents burnout, overcommitting, and financial losses. They share practical strategies for pricing, production, and work-life balance, and emphasize the benefits of attending Dirt Con for actionable tools and community support. The hosts encourage listeners to invest in planning and self-care to create a thriving business and a fulfilling life beyond the farm.Learn more about DirtCon and join the email list for all the updates.If you want to dive in deeper with us each month, join our membership group - The Dirt on Flowers Insiders! So if you love the podcast and want to dig deeper with us, head over to www.thedirtonflowers.com/membership to join now. Did you love today's episode? Take a screenshot and share it in your IG stories. Don't forget to tag @dirtonflowers!Leave us a rating and review on Apple Podcasts!Head to www.thedirtonflowers.com to sign up for our newsletter and become a Dirt on Flowers insider!Want to learn more about your hosts? Follow us on Instagram!Lyndsay @wildroot_flowercoShannon @bloomhillfarm

In Part 2 of this epic episode of the Mike Drop Podcast, host Mike Ritland continues his deep-dive conversation with Dave Berke – the only Marine to ever fly the F-22 Raptor and a legendary Topgun instructor. This episode is packed with raw, unfiltered stories from the skies and the streets of Ramadi. Dave breaks down why fifth-generation fighters (F-22 and F-35) dominate not through speed or maneuverability, but through total battlespace awareness – “If I know everything you're doing and you have no idea I'm even there, I've already won.” He shares unforgettable combat moments with Jocko Willink's Task Unit Bruiser, including riverine boat insertions with Chris Kyle, calling in a Hellfire missile through a second-story window to save SEALs under fire, and the emotional weight of losing Marines on the ground. From feeling like a “fish out of water” running with SEALs in Ramadi to the humbling transition into the F-22 cockpit, Dave reflects on luck, leadership, ego, and the real cost of the Iraq War. Whether you're a military aviation geek, a combat veteran, or just love real stories of extreme performance, this episode delivers powerful lessons on teamwork, situational awareness, and what it truly takes to dominate in chaos. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The arbitrage era is cracking — fast. With Sonder filing bankruptcy and operators across the country getting crushed by fixed leases, the truth is clear: the STR model you choose determines whether you scale… or sink.In this episode, we break down why arbitrage is failing, what Sonder's collapse teaches every host, and why co-hosting remains the most profitable, low-risk, scalable model in 2025 and beyond.Inside this episode: • Why arbitrage collapses under pressure • The hidden costs operators never calculate • Why co-hosting produces higher margins with lower risk • How boutique operators beat centralized “big brand” models • What the fastest-growing hosts are doing differently • The shift every STR operator must make in 2025Message me to get a free resource and see how the program could fit your goals.Click the link below:https://go.strsecrets.com/podcast?utm_source=Podcast&utm_medium=Captivate&utm_campaign=T034&utm_content=RESOURCE00:01:00 – The Real Cost of Arbitrage: Leases, Debt & Cash Burn00:02:30 – Why Arbitrage Margins Collapse in Today's Market00:03:45 – Co-Hosting vs. Arbitrage: The Risk Difference00:05:10 – Arbitrage at Scale Becomes a Cash-Flow Death Trap00:06:15 – Real Examples of Small Operators Losing Money00:07:10 – The Tiny Margin of Error That Kills Arbitrage Deals00:08:30 – Why Co-Hosting Wins: Low CAC, High Lifetime Value00:10:20 – How Operators Are Scaling Co-Hosting With $0 Spend00:12:20 – Centralized vs. Local: Why Guest Experience Matters00:15:00 – Why Arbitrage Can't Keep Up With Industry Changes00:17:00 – The Bankruptcy Wave: Small Operators Getting Hit00:18:30 – How to Pivot Out of Arbitrage Before It's Too Late00:20:10 – What a Healthy Co-Hosting/PM Business Looks Like00:22:00 – No Get-Rich-Quick: The Reality of STR SuccessGet FREE Access to our Community and Weekly Trainings:https://group.strsecrets.com/

The arbitrage era is cracking — fast. With Sonder filing bankruptcy and operators across the country getting crushed by fixed leases, the truth is clear: the STR model you choose determines whether you scale… or sink.In this episode, we break down why arbitrage is failing, what Sonder's collapse teaches every host, and why co-hosting remains the most profitable, low-risk, scalable model in 2025 and beyond.Inside this episode: • Why arbitrage collapses under pressure • The hidden costs operators never calculate • Why co-hosting produces higher margins with lower risk • How boutique operators beat centralized “big brand” models • What the fastest-growing hosts are doing differently • The shift every STR operator must make in 2025Message me to get a free resource and see how the program could fit your goals.Click the link below:https://go.strsecrets.com/podcast?utm_source=Podcast&utm_medium=Captivate&utm_campaign=T034&utm_content=RESOURCE00:01:00 – The Real Cost of Arbitrage: Leases, Debt & Cash Burn00:02:30 – Why Arbitrage Margins Collapse in Today's Market00:03:45 – Co-Hosting vs. Arbitrage: The Risk Difference00:05:10 – Arbitrage at Scale Becomes a Cash-Flow Death Trap00:06:15 – Real Examples of Small Operators Losing Money00:07:10 – The Tiny Margin of Error That Kills Arbitrage Deals00:08:30 – Why Co-Hosting Wins: Low CAC, High Lifetime Value00:10:20 – How Operators Are Scaling Co-Hosting With $0 Spend00:12:20 – Centralized vs. Local: Why Guest Experience Matters00:15:00 – Why Arbitrage Can't Keep Up With Industry Changes00:17:00 – The Bankruptcy Wave: Small Operators Getting Hit00:18:30 – How to Pivot Out of Arbitrage Before It's Too Late00:20:10 – What a Healthy Co-Hosting/PM Business Looks Like00:22:00 – No Get-Rich-Quick: The Reality of STR SuccessGet FREE Access to our Community and Weekly Trainings:https://group.strsecrets.com/

In this episode, Chuck D and Marcus C discuss the recent government shutdown, its effects on employees and retirees, and the importance of having a financial plan. They explore the challenges faced by those returning to work, the uncertainty for retirees, and the mental health benefits of planning and communication in relationships. The conversation emphasizes the need for preparation in the face of potential future shutdowns and the value of having a solid strategy for retirement.The government shutdown lasted 43 days, the longest in history.1.4 million employees were unpaid during the shutdown.Essential employees had to work without pay, affecting their finances.Retirees faced uncertainty with delayed pension checks and processing.Many employees drained savings and incurred credit card debt during the shutdown.Having a financial plan is crucial for retirement readiness.Mental health benefits arise from having a plan and open communication.Walking with loved ones can improve both physical and mental health.The importance of family meals without distractions for relationship building.Future government shutdowns may require better preparation and planning.

The National Security Hour with Col. Mike and Dr. Mike – News for you, Mr. President, Americans do not heed a Chief Magistrate who stops other people's wars, but they desperately do need one who is focused solely on keeping Americans out of all wars unless we are attacked or invaded. Let all other countries tend to their own wars, never join them, and never support them, but always let those wars burn...

The National Security Hour with Col. Mike and Dr. Mike – News for you, Mr. President, Americans do not heed a Chief Magistrate who stops other people's wars, but they desperately do need one who is focused solely on keeping Americans out of all wars unless we are attacked or invaded. Let all other countries tend to their own wars, never join them, and never support them, but always let those wars burn...

What if your retirement expenses doubled—would your plan survive? Brandon Bowen explores the paradox of time, inflation, and lifestyle expectations in retirement. Discover why comparing yourself to others can sabotage your financial confidence and learn how a customized playbook can help you plan for rising costs, debt reduction, and steady income. This episode breaks down real-life scenarios and practical strategies to help you prepare for the future you’ve imagined, without second-guessing your decisions. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

On today's episode, we take you inside The Practice Launchpad event from September 2025, where Dr. Mark Costes delivered a powerful keynote to an audience of current and aspiring dental practice owners. Drawing on his experience owning 16 practices across Arizona and California, Mark gives an unfiltered look at the common mistakes dentists make in leadership, operations, and finance—and why most practices in the U.S. are barely profitable (if at all).  He reveals why financial success alone nearly broke him, and how his Four Futures framework—mind, meaning, muscle, and money—helped him find purpose, balance, and joy again. Whether you're a new grad, a seasoned owner, or somewhere in between, this talk is packed with real talk, big perspective shifts, and actionable business wisdom. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

In today's episode, Kyle and Kevin from Coltrain Onsite Fleet Care share how their people-first, mobile fleet maintenance model is reshaping the trucking industry! We dive into how their on-site repair approach reduces downtime and total cost of ownership, why customized preventative maintenance schedules beat traditional mileage-based PMs, and how investing in top-tier technicians and best-in-class tooling helps them achieve near-zero turnover. We also talk about the growing demand for mobile maintenance, the impact of the technician shortage, and why their customer-centric, no-VC, slow-and-steady growth strategy is winning trust with fleets!   About Kyle and Kevin Coltrain Kyle Coltrain is the Executive Officer of Coltrain Onsite Fleet Care, leading the company's vision to establish Coltrain Onsite as the nation's most trusted mobile fleet maintenance provider by prioritizing quality, safety, and the exceptional performance of their skilled mechanics. With extensive experience driving growth and transformation in the fleet maintenance and repair industry, Kyle has held senior leadership roles at Epika Fleet Solutions, Cox Automotive, and Dickinson Fleet Services. He holds an MBA from Indiana University and a BBA from the University of Central Florida. Kevin Coltrain is Co-Founder and Executive Officer of Coltrain Onsite Fleet Care, leading the company's mission to empower mobile technicians and elevate fleet care. With extensive experience in operational leadership and strategic growth, Kevin has built and lead high-performance teams of more than 250 employees. A cum laude graduate of the University of Miami's Herbert School of Business, Kevin combines academic rigor with real-world expertise. His values-driven leadership earned him the national Patriot Award for his support of military service members.   Connect with Kyle and Kevin Website: https://coltrainonsite.com/  LinkedIn: https://www.linkedin.com/in/kylecoltrain/ / https://www.linkedin.com/in/kevincoltraincaneforhire/  

Pool service pricing has changed — and today we break down the number that decides EVERYTHING in your business: your true cost per pool and cost per stop. In episode 275 of the Pool Nation Podcast, Edgar and Zac go deep into the financial side of running a profitable pool service business. We walk through the 5-minute cost-per-pool calculator, the expenses most pros overlook, how to calculate your real cost per stop, how drive time destroys profitability, and why understanding this number becomes your most powerful business tool heading into 2026. Whether you're a one-pole operator or building a multi-truck operation, this episode will give you the clarity and confidence to price correctly, protect your margins, grow profitably, and eliminate the guesswork. If you've ever wondered “How much should I charge?” — THIS is the episode you've been waiting for. ⏱️ Timestamps 00:00 – Welcome to the Pool Nation Podcast 01:00 – The intro Edgar finally nailed after 6 years

In this episode, Gerry Perez, CEO of IBKR UK, joins us to dive deep into the hidden price of financial illiteracy and why it matters for everyone, from students to seasoned investors. Join us as we explore practical strategies, expert insights, and innovative tools that make financial education accessible and empowering.

Welcome to The Trade Talks Live, where we celebrate the blue-collar trades and everything they stand for! Join us every weekday from 10-11 AM as we dive into national news, review trade websites, and share tips on mindset growth to help you succeed. Don't miss this hour of insights, inspiration, and practical advice! A big thank you to Leak-Pro for sponsoring this episode of The Trade Talks Live! Register for my FREE webinar! www.justmetroger.com LeakPro provides state-of-the-art leak detection solutions specifically designed for plumbers, helping professionals pinpoint hidden leaks with accuracy and efficiency. By utilizing advanced acoustic technology and digital sensors, LeakPro allows plumbers to reduce unnecessary damage, saving time and money on every job. LeakPro's tools are essential for detecting slab leaks, pipe leaks, and irrigation system failures without invasive measures. Whether working in residential or commercial plumbing, LeakPro offers cutting-edge solutions that enhance service quality. For more information, visit www.leak-pro.com or call 1-888-853-2577. Tradesmen built America. This is the "Blue Collar Channel"... Where you can listen to the top tradespeople around the world. Everything you need to learn about getting into the trades, becoming the best tradesman, starting your own business, and using networking and social media... To GROW in the trades!!!

Jeremy Hibbert-Garibaldi is the founder and CEO of Collectiv Food, a company focused on decarbonisation and automating supply chains for restaurants. Together, we explore the meaning of “value” in delivery – whether through the convenience offered to consumers or the efficiency streamlined for restaurants – and the profound differences between food delivery platforms and wholesale distributors.In this episode, we discuss:Redefining value in food delivery servicesComparing restaurant delivery vs wholesale distribution modelsConvenience as a key driver for operators and consumersTechnology and automation reshaping food supply chainsSustainability and decarbonisation in delivery logisticsLinks mentioned in this episode:Jeremy Hibbert-Garibaldi on LinkedInCollectiv FoodLike the show? We'd be hugely grateful if you could help us spread the word by taking 1 minute to leave us a rating and review on your podcast platform of choice. Full instructions at https://www.thedelivery.world/ratingsandreviews

Q3 earnings are in, and the consolidation is real. Hosts Mike Ryan and Chris dive into the gravity-defying numbers, confirming that Google's core ad revenue is up a strong 12.6% year-over-year (YoY), and their massive Cloud backlog sits at $155 billion USD. Chris states that Google is not the "bee-headed chicken" but remains the dominant "American eagle". The focus then shifts to Amazon, which has truly become a services business (Cloud and Ads), with its retail component no longer the core driver of its wealth.But the big story isn't the growth—it's the crisis. Mike and Chris reveal a dangerous surge in ad costs: CPCs in PMAX and Shopping are up an alarming 30% year-to-date (since week one of the year), with Shopping CPCs specifically soaring by 36% YoY. Chris warns that this kind of inflation is a "real threat" to Google's business model because it is "forcing especially small and middle businesses out" of the auction. They discuss whether a competitor like OpenAI could challenge Google by offering "massively discounted CPCs" to eat into market share. Finally, Mike introduces the free smec Market Observer tool that helps online retailers benchmark their CPCs and check competition levels from giants like Amazon and Temu.About smec (Smarter Ecommerce): At smec - Smarter Ecommerce, we specialize in transforming business goals into optimized ad campaigns. With over 16 years of experience in Google & Microsoft Ads, our intelligent software and expert services help retailers achieve superior results. We're committed to giving you the tools and insights needed to stay ahead in the ever-evolving world of digital advertising. Make sure to follow smec - Smarter Ecommerce for more performance marketing insights: smec - Smarter Ecommerce: https://www.smarter-ecommerce.com LinkedIn: https://linkedin.com/company/smarter-ecommerce-gmbh Newsletter: https://smarter-ecommerce.com/en/newsletter/ Instagram: https://www.instagram.com/smarterecommerce/

In this REI Only episode of The FasterFreedom Show, Sam dives into the rise of 50-year mortgages and what investors really need to know as more details emerge. He breaks down how these ultra-long loans work, why interest—not the loan term—is the true x-factor, and why stretching payments across five decades doesn't fix the underlying issue of rising hard costs. Sam also breaks apart the pros, the risks, and the misconceptions so investors can understand how these loans actually impact affordability, cash flow, and long-term wealth.Whether you're evaluating your next deal or trying to make sense of the shifting lending landscape, this episode gives you the clarity to make smarter financing decisions, avoid the traps, and stay grounded as new mortgage products hit the market.FasterFreedom Capital Connection: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fasterfreedomcapital.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Free Rental Investment Training: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://freerentalwebinar.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Thinking about selling your investment property? Wondering if leases still protect you these days? Or maybe you've heard AI and inspection managers are taking over property management?   In today's show, I sit down with Leanne Jopson, Director of Property Management at Metropole, to answer the five most common questions investors ask her.   Leanne and her team speak with hundreds of investors every week, and the same questions keep cropping up, so we unpack those questions and provide you with the answers straight from the front line of property management.   Whether you're a seasoned investor or just starting out, I think you'll find today's discussion could save you money, stress, and sleepless nights.   Takeaways  ·         Investors need to ask 'why' before selling properties. ·         AI is enhancing property management efficiency. ·         Leases provide a framework for tenant security. ·         Tenant selection is crucial for long-term success. ·         Property management is about strategy, not just rent collection. ·         Understanding market dynamics is essential for investors. ·         Professional property management can prevent costly mistakes. ·         Investors should consider the total cost of selling a property. ·         The average length of tenancy is increasing. ·         Property management fees vary based on service quality.     Chapters    01:04 – Why Investors Are Thinking of Selling  04:08 – Getting Independent Advice Before Selling  09:10 – Are Leases Still Worth It?  13:56 – How AI Is Changing Property Management  18:10 – The Real Cost of Cheap Property Managers Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of What Every Property Investor Needs to Know About Finance, Tax and the Law. ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond     Leanne Jopson- National Executive -  Property Management at Metropole   As Metropole specialises in property management our vacancy rate is considerably below the market average, our tenants stay an average of 2 years and our properties lease 10 days faster than the market average. Click here to see how we can help you.    Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.    Michael Yardney – Subscribe to my Property Update newsletter here   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au https://propertyupdate.com.au/podcast-bonus/     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Have you ever looked at someone in property management and wondered how they're juggling a growing rent roll, a busy home life, and all the day to day pressure without completely falling apart? The truth is, it's never as effortless as it looks from the outside. Behind every “successful” story is a lot of courage, clarity, and choosing to back yourself even when it feels uncomfortable.When you peel back the layers, so much of property management comes down to showing up on the tough days, keeping things moving even when the juggle feels heavy, and finding your way through the challenges you never quite feel ready for. It's in those imperfect, behind the scenes moments where the real growth usually happens.In this episode, I chat with Kirsty about what it really takes to build a rent roll from scratch, navigate imposter syndrome, and grow a business that still allows her to be present for her family. You'll hear how she leaned on community, set boundaries that protected her energy, created systems that supported her and learned to trust her capability even when it didn't feel natural. Her journey is proof that you can build something steady, sustainable and successful without sacrificing your life in the process. “  I've had to learn that I won't be for everybody, and everybody won't be for me either. I just stick with my people now. That's helped me overcome it a little bit, because you realise you are worth it… everyone's worth is just different..” - Kirsty Mattiazzo We cover:How Kirsty first started in real estate and transitioned into property management operationsWhat motivated Kirsty to launch her own boutique property management agency in DarwinThe exact steps Kirsty took to scale her rent roll from 0 to around 250 property managementsHow to balance portfolio growth, routine inspections and client communication while raising a familyHome routines that help manage a high property management workload without burning outHow imposter syndrome affects decision making, conflict resolution and client relationships in Property managementThe leadership lessons Kirsty learned from running big property management operations and a boutique property management businessHow to navigate decision fatigue from maintenance approvals, tenant applications and daily property management tasks so you can stay on top of your workloadHow working with buyer's agents and interstate investors supported her rent roll growth and property management portfolio expansionKylie's Resources:Property Management Growth School: https://courses.thatpropertymum.com.au/TPM-BDMSchool Digital Marketing School: https://courses.thatpropertymum.com.au/digitalschool That Property Mum Courses: https://www.thatpropertymum.com.au/courses/ The PM Accelerate Membership: https://courses.thatpropertymum.com.au/accelerate Book a Strategy Call with Kylie: https://calendly.com/kylie-tpm/coaching-call Kolmeo: https://kolmeo.com/ Find out about our Done for You Lead Generation -

The Constitution Study with Host Paul Engel – Recent events reveal deeper trends as shutdowns test government power, shootings expose failures of responsibility, and socialism promises more than it delivers. These issues highlight growing overreach and a widening gap between leaders and their constitutional duties. The path forward depends on citizens reclaiming limits, defending rights, and insisting on accountable leadership...

Free Vs Investment Trials: Why a $1 Trial Can Be More Powerful Than a Free Trial with Favour Obasi-Ike | Sign up for exclusive SEO insights.This Clubhouse audio session focused on marketing strategies, specifically comparing the efficacy of free trials versus investment trials for products and services. Favour discusses how an investment trial, even as low as one dollar, establishes a financial commitment from the customer, potentially leading to better conversion than a completely free offer, though both require nurturing efforts. The conversation also touches on upcoming holiday sales, various email marketing platformslike Flowdesk, and the importance of technical SEO and website development in business growth. 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Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠--------------------------------------------------------------------------------Introduction: The "Free Trial" FallacyOffering a "free trial" is a universal business strategy, especially during peak seasons like Black Friday or the holidays. It's the go-to method for attracting customers by lowering the barrier to entry. But have you ever considered that "free" might not be the most effective path to gaining truly committed customers?This article explores a few surprising truths about customer psychology and commitment by comparing the standard free trial with a powerful alternative: the "investment trial." We'll examine why asking for a small, initial investment can fundamentally change the customer relationship and lead to better results.The Surprising Takeaways from Free vs. Investment Trials1. The Power of a Single Dollar: Shifting from a "User" to an "Investor" MindsetThe core difference between a "free trial" and an "investment trial" is the financial commitment. A free trial has none, while an investment trial requires a small payment, even if it's just $1. This seemingly minor detail triggers a significant psychological shift.When a customer pays—even a nominal amount—their mindset changes. They are no longer a passive user getting something for free; they have become an active investor in a potential solution. This act pre-qualifies them and changes their relationship with the product from the very beginning. Because they have invested, they are more likely to perceive the engagement as a "better experience," reinforcing the value of their decision and anticipating an even greater return on a larger future investment....if you now say, okay, it's $99 or it's $1,000 or it's whatever amount of dollars, the person doesn't feel like they have to think twice about started because they've already financially committed to something that was an investment that they were interested in. That's the difference.This initial commitment dramatically shortens the time it takes to convert a trial user into a full-paying customer. The journey from a $1 investment to a $1,000 purchase is psychologically shorter than the journey from "free" to any paid plan. While a free trial may require 14 to 30 days of nurturing to achieve conversion, an investment trial can convert in as little as 10 minutes or one hour because the primary psychological barrier has already been crossed.2. The Real Cost of "Free" Isn't Zero—It's TimeNothing is truly free. In a free trial, the user isn't paying with money, but with an equally valuable currency: their time and attention.When someone engages with a free product, they are spending time processing information and making a decision. The business's goal is to make that time investment feel so valuable that it leads to a financial one. Think of the common B2B strategy of offering a free 30-45 minute consultation call. The prospect invests their time, and in exchange, the business must deliver enough tangible value in that short window to justify a larger investment. The "free" call becomes a sale because the value demonstrated makes the time spent feel worthwhile. The same principle applies to tasting a free food sample—if it delivers immediate value, it leads to a purchase.So if it's a free trial, yes, get it for free. Sign up for free... it's not really free because they're spending time. That's the exchange.The implication for businesses is clear: the product or information offered in a free trial must deliver immediate, tangible value. You must make the user's time investment feel so worthwhile that they are compelled to make a financial one.3. The $2,000 Anomaly: Why High-Ticket Sales Can Be Easier Than Low-Ticket OnesOne of the most surprising claims is that "it's harder for me to sell a $20 product than a $2,000 product." This paradox defies conventional business logic, but the reasoning behind it is sound.Customers often perceive small, recurring payments as nuisances or minor expenses they'd rather avoid. In contrast, they view large, one-time investments as significant projects with a high potential return. A high-ticket investment is tied to a bigger, more valuable outcome—such as achieving AI SEO, building websites, gaining domain authority, or becoming dominant in your area of expertise—that they can justify more easily as a strategic move.This connects directly back to the "investment trial" concept. A person willing to invest just $1 is already thinking about potential returns, which is the exact mindset needed to make a larger, high-value purchase. They have already crossed the mental barrier from being a passive consumer to an active investor.This should encourage you to reconsider your pricing and offer structure. Instead of focusing only on low-cost entry points, consider how to frame your offerings as high-value investments that solve significant problems for your ideal customers.Conclusion: Your Next MoveThe psychology behind a trial offer is often more critical than the price tag. The ultimate goal isn't just to get sign-ups; it's to cultivate an investor's mindset from the very first interaction. By asking for a small commitment, you attract a more serious audience and prime them for a long-term, high-value relationship.As you plan your next offer, ask yourself this: How can you shift the focus from a simple "free sample" to a meaningful "initial investment" to attract your most committed future customers?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Constitution Study with Host Paul Engel – Recent events reveal deeper trends as shutdowns test government power, shootings expose failures of responsibility, and socialism promises more than it delivers. These issues highlight growing overreach and a widening gap between leaders and their constitutional duties. The path forward depends on citizens reclaiming limits, defending rights, and insisting on accountable leadership...

Think back to your sex education for a moment. Were you advised to “save yourself for marriage?” Were you asked to sign a “purity” pledge? For millions of people, that was their experience. In this episode, we're taking a closer look at abstinence pledges, including how they became so widespread, whether they actually work as intended, and the unseen consequences they leave behind. I am joined once again by Lauren Elise Rogers, a Certified Holistic Sexuality Educator and Embodied Intimacy & Relationship Coach. Lauren brings an empathetic and non-judgmental approach, offering practical tools that empower her clients to take ownership of their pleasure and grow in confidence and connection. Some of the specific topics we explore in this episode include: What does a typical abstinence pledge look like? How common are abstinence pledges today? Do abstinence pledges actually delay sexual activity? How might abstinence pledges make people less prepared for sex and relationships? What happens when people “break” their pledge? You can visit Lauren’s website to learn more about her work. Got a sex question? Send me a podcast voicemail to have it answered on a future episode at speakpipe.com/sexandpsychology. *** Thank you to our sponsors!  If you’re ready to ditch the shady stuff and choose a libido supplement that's effective and that you can feel confident about, it’s time to check out Drive Boost.  Visit vb.health and use code JUSTIN for 10% off. Passionate about building a career in sexuality? Check out the Sexual Health Alliance. With SHA, you’ll connect with world-class experts and join an engaged community of sexuality professionals from around the world. Visit SexualHealthAlliance.com and start building the sexuality career of your dreams today.*** *** Want to learn more about Sex and Psychology? Click here for previous articles or follow the blog on Facebook, Twitter, or Bluesky to receive updates. You can also follow Dr. Lehmiller on YouTube and Instagram. Listen and stream all episodes on Apple, Spotify, or Amazon. Subscribe to automatically receive new episodes and please rate and review the podcast! Credits: Precision Podcasting (Podcast editing) and Shutterstock/Florian (Music). Image created with Canva; photos used with permission of guest.

WCR Nation Ep. 440 | A Window Cleaning Podcast This week on WCR Nation, we're diving into the real cost of being cheap—and spoiler alert: it's way more expensive than you think.

I'm about to tell you something that might sound completely backwards: making less money could actually help you make more money.I know. It sounds wild. But hear me out.If you're drowning in offers, exhausted from managing multiple programs, constantly context-switching and never really excelling at anything... this episode is your wake-up call.Because here's what I've learned after 16 years in business: sometimes the most powerful thing you can do isn't add more. It's subtract.In this episode, I'm breaking down the uncomfortable truth about why doing more is probably costing you clients, clarity, and your sanity — and how to flip that narrative so your business starts working for you again.By the end, you'll understand why clarity is currency, how the "multiplication trap" is sabotaging your success, and you'll have a concrete roadmap to simplify your offers without losing income (actually, you'll probably make more).What You'll Learn:Why adding more offers is actually making you less money (and the shocking research that proves it)How task-switching between multiple offers is destroying 40% of your productivityWhat the "multiplication trap" really costs you (mental load, diluted marketing, and lost opportunities)Why being known for ONE thing will make you more money than being a generalist (and how to choose that thing)How simplification creates better results, clearer messaging, premium pricing, and actual freedom in your businessWhat happens when you focus on profit over revenue (and why most entrepreneurs are looking at the wrong numbers) Hosted on Acast. See acast.com/privacy for more information.

Most leaders expect failure to be hard — but no one warns us how disorienting success can be. In today's episode, Alan Briggs takes us inside a live leadership session and unpacks the real, often hidden challenges that come with growth: fulfillment gaps, maturity barriers, identity drift, disorientation, burnout, and the pressure of everyone wanting a piece of your time. But this conversation isn't about fear. It's about forming the kind of roots that can sustain real fruit. Alan shares practical insights on: Why success often feels emptier than we expect The surprising truth that what got you here won't get you there How success multiplies options, noise, and expectations Why leaders lose honest feedback when they gain influence The difference between external fruit and internal roots The identity dreams every healthy leader should define How to build a life that matches the person you're becoming What it takes to grow without losing yourself, your family, or your soul If you're leading a team, building a company, or navigating a season of rapid growth, this episode gives you a framework to name what's happening beneath the surface — and an invitation to design a healthier, more intentional way to live and lead. Key Takeaways Success reveals weaknesses success created. Leaders need pre-made filters to protect their time and energy. Roots = identity, health, and formation. Fruits = visible impact. Without strong roots, success will topple you like a pine tree in a storm. Identity dreams > traditional goals. Investment always feels like loss before it feels like growth. Healthy leaders design their lives on purpose — not in reaction. Resources Include these in your notes for authority + click-through: Learn more about H2 Coaching: https://www.h2leadership.com Get Alan's book “Anti-Burnout”: https://a.co/d/9Xzn5mJ Follow the H2 Leadership Podcast: https://www.h2leadershippodcast.com If this episode resonated, share it with a leader who needs it — and leave a quick rating or review so more leaders can discover the show.  

The “Henssler Money Talks” hosts tackle how many Americans are trapped by their biggest asset: their homes. And not because of mortgage rates, but because of capital gains—a side effect of value appreciation—but it shouldn't dictate your life decisions. We explore some planning options and how homeowners can weigh taxes against long-term goals, market risk, and lifestyle priorities when deciding whether to sell.Original Air Date: November 8, 2025Read the Article: https://www.henssler.com/the-real-cost-of-holding-on-taxes-vs-life-goals  

Ever wasted months on something four minutes could've solved?I share a story that had me laughing at myself and realizing just how often we waste time trying to fix the wrong thing. What started as a dumb Zoom glitch turned into a much bigger lesson about blindspots, stubbornness, and the real cost of doing it alone. Just like in our health and fitness journey, we can be doing all the right things and still miss the one piece that changes everything. Sometimes it's not about working harder, it's about getting the right perspective.If you're feeling stuck despite your effort, this episode is exactly what you need.Episode Timeline: 00:00 – Episode Preview01:29 – Podcast Intro02:20 – The Zoom Background Story04:40 – What It Revealed About Our Habits05:42 – Doing Everything Right but Still Stuck07:18 – The Real Cost of Blind Spots08:47 – Asking for Help Isn't Weakness10:20 – Shortcutting Struggle Through Coaching12:15 – Clarity Is Priceless13:35 – What's Your “Orange Background”?14:35 – Don't Wait to Ask for Help15:09 – Outro and Free Ways to Get SupportLinks & Resources:Connect with Ben on Instagram: https://www.instagram.com/bodysystemscoaching/Learn more about Ben's coaching program: www.bodysystems.comSubscribe to the Smart Nutrition Made Simple Show on Apple Podcasts - https://podcasts.apple.com/us/podcast/the-smart-nutrition-made-simple-show-with-ben-brown/id1244912234 Spotify - https://open.spotify.com/show/4H8vUlwYvKcAXZOv84sFgT Youtube - https://www.youtube.com/@bodysystemscoaching Book Free Nutrition Strategy Call - https://bodysystems.com/free-strategy-call/

We all have something in our lives that isn't working...something that feels heavier than we'd like it to. And when you've been stuck there long enough, it starts to feel normal. In this off-the-cuff episode, I'm unpacking what it really costs to stay in that stuck place and how to start bridging the gap between awareness and action. (Spoiler: the first step is smaller than you think.)What You'll LearnHow to tell the difference between simple annoyances and true frictionWhy we often know what's not working but still don't take actionThe real energetic cost of staying stuckWhat it looks like to “micro-gap” change and move forward one small step at a timeA coaching question that helps you decide what's worth changing right nowIf This Resonates…If you're tired of spinning your wheels and want support finding your next step, I'd love to help. Book a free consult and let's figure it out together.

Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics of mortgage credit reporting. They dig into what the data actually shows about tri-merge pricing, lender negotiation power, fallout loans, and the entry of VantageScore.In this episode:What is the true cost of pulling a credit report for a mortgage?The cost of a mortgage credit report usually falls within a wide range—from around $40 up to about $240 per file, depending on factors like the number of borrowers and the products included (such as trended data or monitoring services). While some lenders cite an average cost around $155, the actual cost is often driven by how many borrowers are on the application, how many times credit is pulled, and which ancillary services are added.Why do lenders say credit reports are “too expensive”?Many lenders feel credit reports are expensive not because of the unit price, but because of fallout—loans that never close. When a lender pulls credit and the borrower doesn't complete the loan, the lender usually eats that cost. Unlike appraisals, credit report fees are often not collected upfront, so unrecovered costs on fallout loans can make credit reporting feel disproportionately expensive.How much does a credit report actually matter in the total cost of a mortgage?In the context of a full mortgage transaction, the credit report fee is typically a small fraction of total closing costs and prepaid expenses. Even if a report costs $60–$150, that's minimal compared to items like taxes, insurance, and appraisal fees. The real financial impact often comes from how credit information influences interest rates and approvals, not just the report fee itself.What is a tri-merge credit report and why does it exist?A tri-merge credit report combines data from the three nationwide credit reporting agencies—Equifax, Experian, and TransUnion—into one consolidated file. This helps:Reduce blind spots by capturing regional and portfolio differences between bureausGive investors and GSEs (Fannie Mae, Freddie Mac) a more complete view of borrower riskSupport underwriting models that rely on rich, multi-bureau data rather than a single viewTri-merge helps maintain investor confidence in mortgage-backed securities by reducing data gaps and gaming risk.

We've been fed a huge lie — that the stuff in our storage rooms or storage units is worth money. It's not! The truth is, your “storage treasures” are probably costing you thousands of dollars and stealing valuable space in your home. I'm sharing my own story of how I turned a cluttered storage room into a home office, added $15,000 of value to my house, and never missed a single thing I let go of. You'll learn how to figure out what your storage is really costing you, the mindset traps that keep us holding on to stuff “just in case,” and my simple decluttering rules to help you decide what's actually worth keeping. I also talk about why “preservation becomes paralysis” — and how freeing yourself from storage clutter can literally give you more time, money, and peace of mind. To enter the first-ever Clutterbug Storage Wars contest, email makeover@clutterbug.com with the subject line Storage Wars, and include: A photo or quick video of your storage space (room or unit) A short introduction about yourself and which of the 5 D's (downsizing, decluttering, divorce, death, or deployment) applies to you If your kitchen feels chaotic too, check out my YouTube video on how to organize it based on your Clutterbug type:https://youtu.be/ZyMPNykNSMc It's time to stop paying for clutter and start creating space for the life you actually want.       You can find more Clutterbug content here: Website: http://www.clutterbug.me YouTube: https://www.youtube.com/@clutterbug TikTok: https://www.tiktok.com/@clutterbug_me Instagram: https://www.instagram.com/clutterbug_me/ Facebook: https://www.facebook.com/Clutterbug.Me/     #clutterbug #podcast #mondaymotivation #motivation #delclutter #decluttermotivation #homeorganization #storagewars      

Send us a textTrent and Peaches start with monster trucks and end up demolishing the Special Warfare pipeline. But first, they highlight the absolute unit that is Scott Ruskan, a Coast Guard rescue swimmer who saved 165 people during the Texas floods—only to get force-fed a hero tour he didn't ask for.What follows is a surgical takedown of the Pentagon's latest “reforms” to the AFSW pipeline: less training, more liability, and a slow slide toward mediocrity—all in the name of speed. The guys torch the leadership failures, expose the false promises of a “common skills course,” and explain why survivability isn't something you sprinkle on later.Also: weather nerds vs. floodplain ignorance, Epstein conspiracies, and why the real danger isn't water—it's decisions made by people who never touched it.

What does "semi-absentee" actually mean — and what does it cost to get there?   Erik Van Horn shares the hard-earned lessons from owning multiple franchise brands, including the moment his manager got arrested right before tax season. Instead of panicking, his systems held — revealing the true power of leverage and layers.   You'll learn: ✅ The difference between managing and truly leading ✅ How to build redundancies that protect your income ✅ The real ROI of buying back your time ✅ How to move from owner-operator → district manager → semi-absentee ✅ Why freedom in franchising isn't free — but it's worth it   Timestamps:   00:00 The Call That Changed Everything  02:00 Why Most Franchise Owners Never Go Semi-Absentee  04:30 What Semi-Absentee Ownership Really Means  07:30 From One Location to Many  10:00 The Multi-Unit Manager Mindset  13:30 The Moment Systems Saved My Business  16:30 The Real Cost of Freedom ($150K Lesson)  20:00 Buying Back Time: The Practical Playbook 24:00 The District Manager Trap  28:00 Freedom Through Structure    Connect with Erik Van Horn:

Kris is back with another round of the pet sitting saga—but this time, it's about more than just unreliable pet sitters. It's a story about accountability, boundaries, and leadership. Through a string of mishaps (and three fired sitters), Kris explores how these small, personal frustrations mirror the much larger issue of how we manage people in our lives and businesses. When expectations aren't met, many leaders justify, tolerate, or avoid confrontation. But as Kris shares, avoiding accountability—whether with a pet sitter or an employee—only recycles poor performance and creates a culture of tolerance instead of trust. Here's what we explore in this episode: Why unmet expectations persist, and what happens when you ignore them The emotional traps of people-pleasing, guilt, and "just letting it slide" How avoidance erodes both trust and leadership confidence The power of holding others—and yourself—accountable with grace, not anger Why mutual accountability is the missing ingredient in healthy workplaces This conversation is an invitation to protect your standards, honor your agreements, and lead with both compassion and clarity—because accountability isn't cruelty; it's integrity in action. Contact Information and Recommended Resources It's time to stop tolerating and start leading. Join me at www.thevisionary.ceo/sagemm to learn more about the new Sage Mini-Mastermind that starts November 4th.  Linkedin Instagram Facebook Pinterest

☎️ Book a free 15-minute Growth Call and see how BATTLEGROUND helps you finally move forward. → Book here: https://go.thecontractorfight.com/15min-free-callYou thought your communication was bulletproof, but your customers are walking away because of it. If 90% of medical lawsuits are from bad communication, what's it costing your contracting business?. Derek Johnson and Tim Cutroni expose the massive blind spot that kills client retention and forces you to spend more on marketing. Learn why your automations are failing and when to use your voice, video, or a rock-solid SOP to dominate communication=================================================☎️ Book a free 15-minute Growth Call and see how BATTLEGROUND helps you finally move forward.→ Book here: https://go.thecontractorfight.com/15min-free-call=================================================== Rate the Podcast ==Help your fellow contractors find the podcast! Please leave a rating/review.Apple PodcastsSpotify

In this episode, we examine how Americans view government power and economic responsibility during another federal shutdown. We discuss growing distrust of federal authority, confusion over who holds real power, and how political brinkmanship creates real-world consequences such as missed paychecks, grounded flights, and suspended food aid. We cover the ethics of welfare and workfare, the balance between private charity and public assistance, and the economic effects of shutdowns, tariffs, and education spending. Together, these issues reveal how political dysfunction continues to weaken public trust and fiscal stability. 00:00 Introduction and Overview 00:30 The Myth of Hard Work and the American Dream 01:58 Capitalism vs. Socialism 03:41 Public Distrust in Federal Power 06:43 Trump's Tariffs and the Economics of Uncertainty 09:56 Trump Derangement Syndrome 12:42 Do Billionaires Really Hoard Wealth? 19:18 Foolishness of the Week: Arizona's $80 Million Stadium 22:58 Education Spending and Misplaced Government Priorities 25:20 The Real Cost of a Government Shutdown 29:13 Welfare Reform and the Ethics of Government Aid 32:40 Private Charity vs. Public Assistance 35:05 Flight Delays Due to Shutdown and Thanksgiving 39:17 Who Eats the Losses of a Shutdown? 45:31 Healthcare Costs, Subsidies, and Political Optics 49:09 How Shutdowns Expose Government Dysfunction 51:12 How Will the Shutdown End? 57:01 No Happy End in Sight 59:14 Dream Podcast Guests and Conclusion Learn more about your ad choices. Visit podcastchoices.com/adchoices

Despite achieving external success in her 20s, Stephanie Harrison felt deeply unfulfilled, burned out, and weighed down by mental health struggles. After hitting rock bottom, she began studying the psychology of happiness and developed the "New Happy" philosophy. Now, she helps others break free from the achievement-obsessed mindset and societal pressures that keep so many people unhappy. In this episode, Stephanie shares how redefining happiness beyond achievement and perfection unlocks true wellness and fulfillment in business and life. In this episode, Hala and Stephanie will discuss: (00:00) Introduction (02:01) The Old Model of Happiness and Why It Fails (05:51) Stephanie's Path to New Happiness Philosophy (11:32) The Real Cost of Capitalism on Well-Being (15:26) What is 'The New Happy' Philosophy? (22:08) Extrinsic vs. Intrinsic Goals: The Happiness Divide (31:07) Overcoming Loneliness and Embracing All Emotions (40:08) Finding Positivity Amid Global Suffering (45:43) Redefining Success and Self-Worth in Business (52:59) The Secret to Long-Term Fulfillment Stephanie Harrison is an author, expert in the science of happiness, and founder of The New Happy, a global movement helping people, especially entrepreneurs and professionals, break free from society's achievement-driven ideals to build more meaningful, connected, and fulfilling lives. Through her bestselling book, The New Happy, she empowers individuals to cultivate lasting mental well-being through authenticity, purpose, and compassion. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Mercury streamlines your banking and finances in one place. Learn more at mercury.com/profiting. Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Quo - Get 20% off your first 6 months at Quo.com/PROFITING  Revolve - Head to REVOLVE.com/PROFITING and take 15% off your first order with code PROFITING  Framer- Go to Framer.com and use code PROFITING to launch your site for free.  Merit Beauty - Go to meritbeauty.com to get your free signature makeup bag with your first order.  Pipedrive - Get a 30-day free trial at pipedrive.com/profiting  Airbnb - Find yourself a cohost at airbnb.com/host  Resources Mentioned: Stephanie's Book, The New Happy: bit.ly/-NewHappy  Stephanie's Website: thenewhappy.com  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Biohacking, Motivation, Manifestation, Brain Health, Life Balance, Self-Healing, Sleep, Diet