Podcasts about real cost

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Best podcasts about real cost

Latest podcast episodes about real cost

The Twenty Minute VC: Venture Capital | Startup Funding | The Pitch
20VC: Tim Ferriss: Why I Walked Away From Angel Investing After Uber | How I Accidentally Lost $150 Million | Money Fixed My Problems—Then Made Me Miserable

The Twenty Minute VC: Venture Capital | Startup Funding | The Pitch

Play Episode Listen Later Oct 31, 2025 91:49


Words & Numbers
Episode 468: Shut It Down

Words & Numbers

Play Episode Listen Later Oct 30, 2025 66:43


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

Mike Gallagher Podcast
The Real Cost Of War

Mike Gallagher Podcast

Play Episode Listen Later Oct 30, 2025 45:59


Broadcasting from Jerusalem, Mike shares the powerful story of Daniel Kapolov — a young Israeli soldier who lost his leg in Gaza but now trains for the Paralympics. He and former Ambassador Michael Oren expose the truth about Hamas’s brutality, rising antisemitism, and the American left’s growing hostility toward Israel.See omnystudio.com/listener for privacy information.

The Energy Question
David Malpass, Former Head of the World Bank Group Interview

The Energy Question

Play Episode Listen Later Oct 30, 2025 54:17


In this episode of Energy Impacts, host David Blackmon sits down with David Malpass, former head of the World Bank Group, for an insightful discussion on U.S.–China trade relations, rare earth supply chains, and the global energy landscape. Malpass shares his perspective on rebuilding American manufacturing, the real costs of climate policies, and how energy independence will shape future economic growth. From Bill Gates' shift on climate strategy to the critical role of nuclear power and data centers, this conversation dives deep into the policies and innovations driving the world's energy future.Highlights of the Podcast00:01 - Introduction01:54 - David Malpass' Career Journey04:18 - Trump-Xi Trade Agreement on Rare Earths08:02 - Agricultural Trade and U.S. Competitiveness10:54 - Contrasting the Trump and Biden Administrations14:14 - The U.S. Rare Earth Supply Chain Challenge19:41 - China's Strategic Dominance in Manufacturing23:19 - Bill Gates' Shift on Climate Change28:16 - The Real Cost of Climate Policies32:53 - Electric Vehicle Industry Pitfalls36:51 - Building U.S. Energy Independence42:22 - Competing with China's Scale and Control45:28 - ESG Investing and Policy Shifts46:34 - The Role of Nuclear Power in Energy Security50:17 - Data Centers Driving Energy Demand53:47 - Closing Thoughts

The Inner Work Conversation
The real cost of overthinking (and what to actually do about it) - based on a true story

The Inner Work Conversation

Play Episode Listen Later Oct 30, 2025 28:20


Join the Inner Work Business Book Club – we start Atomic Habits on 1st November, and every new member gets a bring-a-friend-for-free code (limited time only!)Links mentioned in this episode:277 your brain is sabotaging you & you don't even know it 268 the antidote to overthinking & procrastination 241 How to hold your nerve This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit nikkicross.substack.com

4MEDIA UNCUT Podcast with Eddie Maalouf & Andrew Deitsch
62: Luke Belmar Reveals the Truth About Everything

4MEDIA UNCUT Podcast with Eddie Maalouf & Andrew Deitsch

Play Episode Listen Later Oct 29, 2025 77:37


Luke Belmar (Entrepreneur, Investor, and Co-founder of Capital Club) joins us in this episode to share his journey to building multiple eight-figure businesses and a massive online following. Luke breaks down his philosophy on breaking free from societal "programming," leveraging the "digital gold rush," and why he believes the internet has democratized opportunity for everyone, regardless of background. Luke discusses the mindset of "multiplication vs. addition" for wealth, how he made his first millions through e-commerce and crypto, and why he started by providing services like pressure washing and cleaning toilets. He also reveals the real secret to building his personal brand: mastering content distribution over content creation, and explains why faith and "natural order" are his keys to remaining unconflicted and successful. Whether you're an aspiring entrepreneur, a digital creator, or an investor looking to understand the next wave of opportunity, this episode is packed with unfiltered insights on mindset, marketing, and money. Tune in to learn what it truly takes to build wealth and self-sovereignty in today's world. Chapters: 00:00 - Introduction 03:43 - How to Make Your First Dollar (From Cleaning Toilets to Capital Club) 06:49 - The Internet is the Ultimate Opportunity 15:04 - The Mindset Secret to Success 19:52 - Stop Chasing Opportunity, Start Attracting It 26:25 - Escaping the 9-to-5 "Matrix" 32:27 - How to Multiply Your Money 38:08 - Behind the Scenes - How Luke Belmar Made His First Millions in Crypto 42:42 - The Modern War for Your Mind 51:09 - Best Ways to Make Money Right Now 1:01:24 - Luke Belmar's Personal Brand Strategy 1:12:20 - The REAL Cost of Fame 1:15:20 - What's the BEST Piece of Advice You Ever Received?

4BC Breakfast with Laurel, Gary & Mark
The real cost of raising a child in Australia revealed

4BC Breakfast with Laurel, Gary & Mark

Play Episode Listen Later Oct 29, 2025 8:35 Transcription Available


Associate Professor Ben Phillips from the Australian National University joined Sofie Formica on 4BC Breakfast to reveal the true financial cost of raising a child in Australia from birth to age 18. Surprisingly, the data shows that the cost hasn't increased over the last two decades.See omnystudio.com/listener for privacy information.

Grow Your B2B SaaS
S7E10 - Build the Right GTM Engine: Hiring, Structure & Growth for SaaS Founders with Christopher Gannon

Grow Your B2B SaaS

Play Episode Listen Later Oct 28, 2025 37:37


In a world where anyone can generate a “perfect” email with AI, does perfection even matter? According to Christopher Gannon, founder of Captivate Talent, what truly matters are the fundamentals: relationships, brand, and aesthetics. In this episode of the Grow Your B2B SaaS podcast, hosted by Joran from Reditus, Chris breaks down how startups should think about hiring go-to-market (GTM) talent, structuring teams, leveraging AI, and expanding into the US. This article summarizes their conversation into clear, actionable insights every founder should know.Key Timestamps(00:00) The Perfect Email Myth: Why Human Connection Still Wins(00:55) Meet the Masters of B2B SaaS Growth(01:31) Why Headcount Won't Scale Your SaaS Revenue(01:51) From Filling Seats to Building a GTM Powerhouse(02:10) The Birth of Captivate Talent: A Founder's Bold Pivot(03:33) The $1M ARR Question: When to Hire Your First GTM Pro(03:50) The Founder's Dilemma: Sell It Yourself or Hire Early?(04:58) The Brutal Truth About Early-Stage Onboarding(05:39) Who Comes First—Sales or Marketing? The Real Answer(05:54) Never Outsource Your Superpower(07:20) Overhiring vs. Underhiring: The Startup Goldilocks Problem(08:16) The Rolodex Trap: Why Big Titles Burn Startups(09:22) Forget Titles—Hire for 12-Month Outcomes Instead(10:15) Inside the Ideal GTM Team Structure for SaaS Growth(11:08) The Secret Weapon: Your Customer Call Library(11:39) AI Is Taking Over GTM (But Here's the Catch)(12:11) Beyond ChatGPT: How to Spot True AI Fluency(13:48) Reditus Break: The Affiliate Engine Powering B2B SaaS(14:11) How to Measure Real AI Impact in Your Workflows(15:06) “At the Table or on the Menu?” AI Skills That Protect Your Career(15:44) The Truth About GTM Hiring in a Post-Layoff World(16:24) Why Relationships Beat Perfect AI Emails Every Time(17:44) The Costly Mistake: Hiring an SDR for US Expansion(18:10) The Founder-Led Playbook for Cracking the US Market(19:09) The Full-Stack Expansion Model Every SaaS Needs(20:22) Stop “Testing” the US with One Hire—Here's Why(22:08) PLG vs. Enterprise: When Remote Expansion Stops Working(23:33) Why Big Logos Abroad Don't Impress US Buyers(24:24) US to Europe: How to Win with Local Talent and Presence(25:29) The Hidden Legal Maze of US Hiring(26:26) The Real Cost of US Expansion (and Cultural Fit)(28:34) The Culture Clash: Vacations, Burnout, and Commitment(29:21) Burn the Boats: The Only Way to Win in the US(30:12) The Future of GTM: How AI Is Rewriting Hiring Rules(31:16) From 0 to $10K MRR: Discipline Over Everything(32:47) From $10K to $10M ARR: Hire Ahead and Pay for Talent(36:49) Connect with Christopher Gannon and Captivate Talent

The Best of the Money Show
Personal Finance:  The real cost of "Buy Now, Pay Later" offers from retailers

The Best of the Money Show

Play Episode Listen Later Oct 28, 2025 21:00 Transcription Available


Stephen Grootes speaks to Warren Ingram, financial adviser and co-founder of Galileo Capital, about the real cost of “Buy Now, Pay Later” offers. Ingram unpacks how these deals can encourage overspending, impact credit scores, and trap consumers in costly debt if not managed wisely. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

I Hate It Here
S10 E1: The Cost of Motherhood Nobody Talks About with Erin Gau

I Hate It Here

Play Episode Listen Later Oct 27, 2025 57:16


Motherhood at work.  Just saying that out loud makes my blood pressure spike a little, not gonna lie! Because being a mom already feels like the challenge of a lifetime, and then you add performance reviews, “flexibility” that's anything but, and coworkers who suddenly forget how calendars work when daycare pickup time hits? It's all mess!  But motherhood also changes how folks lead, empathize, and show up, in ways that deserve way more respect than they get.  This week, I sat down with Erin Grau, co-founder of Charter, to talk about the real cost (and quiet power) of being a mom at work, and what needs to change if we actually want to keep them there. 0:03:32 - One Part of Life Outside of Work That Shapes How You Show up at Work 0:06:16 - The Real Cost of Motherhood in the Workplace 0:09:06 - Has Erin Felt the Penalty of Being a Mom at Work Before? 0:13:51 - How Erin Changed When She Returned to Work After Becoming a Mother 0:21:50 - Why Does the Data Show that Moms Earn Less and Get Promoted Less Than Their Peers? 0:27:15 - How Performance Review and Manager Biases Play Into Motherhood 0:30:16 - One Company Policy That Can Change the Game for Mothers 0:38:28 - How Leaders Can Retain Working Mothers 0:45:17 - How Coworkers Can Foster Better Environments 0:53:27 - A Future of Work Designed With Moms at the Center Teamtailor is the fun, intuitive ATS that candidates actually like and recruiters don't dread opening on Monday mornings. Create branded career sites, automate the boring stuff, and give candidates the hiring experience they dream of  — without burning out your team. Visit teamtailor.com And if you love I Hate It Here, sign up to Hebba's newsletter! It's for jaded, overworked, and emotionally burnt-out HR/People Operations professionals needing a little inspiration. https://workweek.com/discover-newsletters/i-hate-it-here-newsletter/   And if you love the podcast, be sure to check out  https://www.youtube.com/@ihateit-here for even more exclusive insider content!   Follow Erin: LinkedIn: https://www.linkedin.com/in/eringrau/ Follow Hebba:  YouTube: https://www.youtube.com/@ihateit-here/videos LinkedIn: https://linkedin.com/in/hebba-youssef Twitter: https://twitter.com/hebbamyoussef

Dreamcatchers
Exit Readiness: Beyond the Numbers - Jerome Myers

Dreamcatchers

Play Episode Listen Later Oct 26, 2025 19:10


Most founders think they'll know when they're ready to exit, but readiness doesn't arrive with an offer sheet. It's forged in the years before the deal, through every decision made when no one's watching. In this powerful episode, Jerome Myers exposes the hidden gap between financial readiness and founder readiness, where many leaders lose more than money: they lose purpose, relationships, and identity. You'll discover why waiting feels safe but quietly destroys value, how to recognize when you've already started your next exit, and how to build the muscle of readiness long before the market, or life, forces your hand. This isn't about selling your business. It's about designing your evolution.[00:00 – 04:00] The Illusion of Readiness Exit readiness is more than revenue or valuation; it's about emotional and operational alignment Many founders mistake momentum for readiness, avoiding the deeper work of letting go Readiness must be trained like a muscle, not treated as a milestone [04:00 – 08:00] The Real Cost of Waiting A founder-dependent company loses up to 50% of its value Avoidance creates silent erosion—financial, relational, and personal The cost of unreadiness shows up in distance from loved ones and disconnection from self Freedom fades when your title becomes your identity [08:00 – 12:00] Building True Readiness Three pillars of readiness: Operational, Emotional, Strategic Operational: Can the business run without you? Emotionally: Can you let go without losing yourself? Strategic: Don't just plan what you're leaving—plan what you're stepping into Introduces the NEXT Framework: Nourish → Evaluate → Explore → Transcend [12:00 – 15:00] Designing the Next Chapter Complete the Exit Readiness Assessment to measure alignment in seven key areas Clarity—not cash—reveals whether you're truly ready Reclaim one hour a week for “future design.” Protect it like a board meeting with your future self Curiosity—not capital—is the founder's greatest asset [15:00 – 17:00] Evolving by Design Readiness is built through reflection, honest conversation, and consistency Say it out loud: “I'm beginning to think about what comes next” Don't wait for the crisis to evolve; create momentum while you still have leverage “The best exits aren't timed—they're earned” Key Quotes: “Readiness isn't a moment—it's a muscle.” - Jerome Myers “Waiting feels safe until it costs everything that actually matters.” - Jerome Myers  Join industry leaders shaping the future and secure your spot at the Exit Planning Summit today! https://exitplanningsummit.com/speakers Ready for your next chapter?Start Your Assessment Now

No Bullsh!t Leadership
Moment 144. The Real Cost of Overprotecting Your People

No Bullsh!t Leadership

Play Episode Listen Later Oct 26, 2025 4:58


Protecting your people feels kind…until it destroys their resilience and results.As the older generation vacates the workforce, companies are making way for fresh talent, new ideas, and different ways of working.This brings with it a number of challenges, as we transition from a workforce that has historically been compliant and robust, to one that has an elevated sense of entitlement, and a worrying lack of resilience.How do you balance your duty of care for your people, with the obligation you have as a leader to optimise team performance?If you want to go deeper on how to take people where they don't necessarily want to go, have a listen to Ep.328: Building Resilience Into the Fragile.————————FREE QUIZ: I've developed a 3-question quiz that'll give you a free personalized podcast playlist tailored to where you are right now in your leadership career!Click here to take the 30-second quiz now to get your on-the-go playlist————————You can connect with me at:Website: https://www.yourceomentor.comFacebook: https://www.facebook.com/yourceomentorInstagram: https://www.instagram.com/yourceomentorLinkedin: https://www.linkedin.com/in/martin-moore-075b001/————————Our mission here at Your CEO Mentor is to improve the quality of leaders, globally.

AI in Marketing: Unpacked
The Single AI Tool You Need (and the 5 That Are Stealing Your Time) - A Saturday Short

AI in Marketing: Unpacked

Play Episode Listen Later Oct 25, 2025 10:30


Paying for eight different AI tools but only using two of them? Feeling guilty every time you see those subscription charges hit your credit card? You're not alone - and you're not broken. You're experiencing what I call "AI ADHD": Tech Overwhelm masquerading as opportunity. In this Saturday Short, I walk you through the exact 4-step audit I use with my clients to eliminate the subscriptions stealing their time, money, and mental energy. You'll learn how to identify the one AI tool that actually matters for your business, and more importantly, how to transform it from a generic assistant into a strategic digital teammate who knows your business inside and out. In This Episode: Why "AI ADHD" is costing you more than money (and how to break the cycle) The 4-step tool audit that reveals exactly which subscriptions to kill How to identify your single anchor tool - and why depth beats breadth every time The critical difference between having AI tools and having an AI teammate A real case study: How one consultant eliminated overwhelm and built a streamlined system This episode is for you if: You have more than 5 AI subscriptions but can't remember the last time you used half of them You feel guilty about "wasting money" on tools you meant to explore You're constantly switching between platforms and losing focus You want a clear, actionable plan to simplify your tech stack TODAY Resources Mentioned

YAP - Young and Profiting
Stephanie Harrison: Beat Burnout in Business and Unlock an All-New Type of Happiness | Mental Health | YAPClassic

YAP - Young and Profiting

Play Episode Listen Later Oct 24, 2025 57:22


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

Smartinvesting2000
October 24th, 2025 | Fed Rate cut looks likely after inflation report, last week bank earnings surprise, risky investing behavior continues to amaze me! The real cost of financial mistakes & More

Smartinvesting2000

Play Episode Listen Later Oct 24, 2025 55:39


Inflation report likely solidifies Fed rate cut this month  The September Consumer Price Index, also known as CPI, showed inflation climbed 3% year over year for both the headline and core numbers. Core CPI, which excludes food and energy, came in better than both the estimate and the previous month's reading; both stood at 3.1%. It was a surprise to get this data with the government shutdown, but since it is used as a benchmark for cost-of living adjustments in benefit checks by the Social Security Administration it was a rare economic point in an otherwise quiet period. Energy, which provided such a benefit to the headline number for many months, has started to reverse course as it climbed 2.8% compared to last year. Gasoline was a small benefit as it was down 0.5%, but energy services climbed 6.4% thanks to an increase of 5.1% for electricity and an increase of 11.7% for utility gas service. What I would look to as tariff impacted areas, has still remained quite muted considering apparel prices fell 0.1%, new vehicles were up just 0.8%, and food prices had maybe thehardest hit with an increase of 3.1%. Much of this came from food away from home, which was up 3.7%. Food at home saw a more muted increase of 2.7%. Shelter inflation remained above the headline and core numbers at 3.6%, but it is much less problematic than it was in prior periods. Another positive was owner's equivalent rent climbed 0.1% compared to the prior month, which was the smallest month over month increase since January 2021. Overall, this report likely produced enough evidence for the Fed to cut rates at this month's meeting as odds stood above 95% after the inflation annoucement. The likelihood for a December cut also initially climbed to 98.5% following the report.    The bank earnings from last week had some surprising undertones. Overall, the third-quarter report from the big banks showed things are pretty much going along OK. But then a couple of the big banks brought up the issue of private credit and some bankruptcies that led to write-downs. Jamie Dimon, the CEO of JPMorgan Chase, pointed out that even though he said he probably should not say it that "if you see one cockroach, there are probably more." Some smaller financial institutions like Zions Bancorp and Alliance Bancorp took a $50 million charge and $100 million charge respectively due to potentially fraudulent loans. The issue here is commercial banks have been making loans to nonfinancial depository institutions or NFDIs and I point out that this type of funding is not very transparent for investors to see what is going on behind the scenes. I was surprised to learn that these NFDIs now account for roughly 1/3 of commercial and industrial loans originated by large banks. One may think if you're invested in AI companies, you're safe but research has shown that even your deep pocket players of AI are funding investments with these private loans. As time passes, the more I read, the more I become concerned about what we don't know about leverage in this economy. Risky investing behavior continues to amaze me! Many people will point out that we have missed the boat on crypto, but I continue to worry about the space long term as there is no true way to value what these cryptocurrencies are worth. While this is a major concern for our firm, I would say leverage in the space is another major risk. A big problem is the rules and regulations and ultimately the transparency in the space is not as clear as when you invest in public equities. I was blown away reading an article on CNBC by how crazy the leverage can be, and I bet most investors have no clue about it. While there are ways to leverage crypto in the US, the offshore market is where things get wild! Offshore, decentralized exchanges Hyperliquid offer maximum leverage of 40-times for bitcoin and 25-times for ether and Binance Labs-linked Aster offers as much as 100x leverage, depending on the token. Leverage is so dangerous because if a decline comes and investors need to unwind a position it can create a cascade of selling that leads to massive losses. It is not just the crypto market where people are gambling though. We saw a return to meme craziness with Beyond Meat producing massive gains of 128% Monday and 146% Tuesday. On Wednesday, the stock at one point produced another triple-digit intraday gain, but it ended up closing down 1% on the day. I also saw a nuclear power development company by the name of Oklo have a sizeable pullback after the Financial Times noted the 500% advance in 2025 and $20 billion market value has come despite “no revenues, no license to operate reactors and no binding contracts to supply power.”  These are examples of pure gambling and examples like these typically come during frothy times before reality hits and big pullback comes.    Financial Planning: The real cost of financial mistakes When it comes to financial wellbeing, avoiding mistakes can be even more powerful than chasing great decisions. Too often, people lose ground not from lack of opportunity, but from unforced errors. Drawing retirement income without tax strategy can quietly cost thousands in extra taxes or Medicare premiums. Holding too much cash or being overly aggressive both expose you to risk, one to inflation, the other to unrecoverable losses. Maintaining investing discipline sounds simple but emotional reactions like selling when markets fall or chasing what's hot can destroy more wealth than poor returns ever could. Many homeowners also miss out by not structuring their mortgage correctly resulting in more short-term fees, long-term interest, and missed investment returns. The key isn't perfection; it's recognizing that protecting yourself from big mistakes is often the best investment you can make.  When making a financial decision, do your best to get your information and advice from accurate and unbiased sources so you can fully understand the impact of the decision.   Companies Discussed: The Progressive Corporation (PGR), Bank of America Corporation (BAC), ManpowerGroup, Inc. (MAN) & Snap-on Incorporated (SNA)

Conella - Podcasts
The Real Cost of Supplements — You Don't Always Get What You Pay For

Conella - Podcasts

Play Episode Listen Later Oct 24, 2025 5:25


We're told we are what we eat, but in truth, we're what we absorb.In this episode, we explore the real cost of supplements and why the most expensive one isn't always the £60 bottle on the shelf, it might be the £20 one that doesn't work. From misleading marketing and non-compliant imports to the hidden science of bioavailability, we uncover what really separates a quality product from a costly placebo.Think of your body like a finely tuned engine, it doesn't just need fuel, it needs the right fuel. The wrong form, poor purity, or cheap fillers can stop your system from running as it should.You'll learn the three key questions every practitioner and consumer should ask: 1️⃣ Is it clean? 2️⃣ Is it absorbable? 3️⃣ Is it compliant?Because in the world of wellness, the smartest investment isn't the flashiest packaging or the boldest claims, it's choosing supplements your body can actually use.

Blog It Boss It Radio
The Real Cost of How You Spend Your Time (Opportunity Cost Audit)

Blog It Boss It Radio

Play Episode Listen Later Oct 23, 2025 43:48


You think you're too busy to work on your business. But what if I told you you're spending 15+ hours a week on tasks that will never move your business forward? In this episode, I'm walking you through the Opportunity Cost Audit - a framework for figuring out where your time is actually going, what it's costing you, and what to protect instead. We'll cover: Why busy work feels safer than important work (and how to stop hiding) The real cost of spending 10 hours a week on content that doesn't convert A case study from a Recovery Call with a founder who was spending her entire 12-hour work week on low-value tasks The 4-step framework to audit your time and make strategic decisions about where it goes Four reflection questions to help you see what you've been avoiding This isn't about hustling harder or optimising every minute. It's about seeing where your time is ACTUALLY going versus where you THINK it's going, and then making conscious choices about what deserves that time. Because every hour you spend on something that doesn't serve you is an hour you can't spend on something that does. That's the trade. And you don't get both. If you're tired of being busy without making progress, this episode is for you. Links mentioned: Book a free Recovery Call: https://docs.google.com/document/d/1YsOE-H1gnkSnDvDTbpUmXLpixgLwDrGq17E2PFTsT6U/edit?usp=sharing  Monthly CEO Support (£275/month): DM me SUPPORT on Instagram @hollybrayceo: https://www.instagram.com/hollybrayceo/ 

The Modern People Leader
264 - HR buys healthcare for half of America, but the system's broken — here's how to “moneyball” it

The Modern People Leader

Play Episode Listen Later Oct 22, 2025 53:58


Brandon Weber, Co-founder & CEO of Nava Benefits, joined us on The Modern People Leader.We talked about why benefits have become the second-largest company expense — and how HR can “moneyball” their healthcare spend, cut down on benefits-related admin work, and deliver better employee outcomes through the emerging “alt marketplace.”---- Nava Links:

Unlearn
How to Clearly Position What You Do with Anthony Pierri

Unlearn

Play Episode Listen Later Oct 22, 2025 49:42


When it comes to product positioning, clarity isn't just a communication tool—it's a strategic advantage. In this episode, I sit down with Anthony Pierri, co-founder of FletchPMM, a product marketing consultancy that's helped over 400 B2B software startups discover and sharpen their positioning. We explore how founders can unlearn generic marketing advice, clarify their message, and activate their strategy through one often-overlooked asset: their homepage.Anthony brings practical frameworks, real-world stories, and a refreshing candor to a space that's often muddled with jargon. This is a must-listen for any founder, PMM, or GTM leader tired of being misunderstood—and ready to focus.FletchPMM is a product marketing consultancy that helps B2B tech startups nail their positioning and bring it to life through a purpose-built homepage. Alongside co-founder Rob Kaminski, he's helped more than 400 companies craft focused, champion-centered messaging that converts.Key TakeawaysClarity wins: Positioning isn't about vision—it's about specificity, segmentation, and telling your champion's story.Unlearn the fluff: Ditch the vague benefits and generic promises. Customers need to know what you do and how it helps them.Focus = traction: Trying to be everything to everyone dilutes your impact. Specialization creates memorability and repeatability.Your homepage is your positioning: It's the one asset every stakeholder sees—customers, investors, your team. Make it count.Position for the champion, not the budget holder: Focus your messaging on the person closest to the problem—not the executive who cuts the check.Additional InsightsPositioning is pattern recognition: Anthony shares how lessons from church leadership and freelancing helped him recognize early signs of positioning misalignment—even before he had the language for it.Inbound scale comes from consistency, not creativity: With over 500 companies served, Fletch's success has come from delivering one service, the same way, every time—not by chasing new ideas or tactics.Founders often confuse luck with repeatability: Anthony reveals how many early startup wins come from personal networks—and how this masks the real need for scalable positioning and segment focus.Mispositioning starts with the homepage: Anthony critiques vague, benefits-only messaging like “Make Yes Work”—demonstrating how the lack of a clear product reference point derails understanding and action.Repositioning is an organizational act: Referencing Klaviyo and Meta, Anthony shows how homepage messaging isn't just about marketing—it forces internal alignment by making strategic bets visible to every team member.Episode Highlights00:00 – Episode RecapAnthony Pierri shares how a seemingly minor contradiction in a church's mission statement became his first exposure to a positioning problem—planting the seed for a career built around clarity.01:30 – Guest Introduction: Anthony PierriBarry introduces Anthony, co-founder of FletchPMM, a consultancy that's helped 400+ B2B software startups craft focused, conversion-driving homepages.05:09 – The Real Cost of Doing EverythingWhy trying to serve every persona or use case is the quickest way to stall traction—and how narrowing your focus builds momentum.07:14 – Specialization is a Strategic AdvantageAnthony explains how one service, delivered one way, to one segment unlocked a scalable, inbound engine for Fletch.11:42 – Sales...

The Tudor Dixon Podcast
The Tudor Dixon Podcast: Farmers on the Frontline: The Real Cost of Washington's Shutdown Politics

The Tudor Dixon Podcast

Play Episode Listen Later Oct 22, 2025 28:51 Transcription Available


Tudor Dixon sits down with journalist and farmer Brian Reisinger to reveal how political dysfunction in D.C. is taking a toll on America’s farms. From disrupted trade and supply chains to labor challenges and media misrepresentations of rural life, Reisinger breaks down what’s really at stake for agriculture—and why policymakers need to start listening to the heartland. The Tudor Dixon Podcast is part of the Clay Travis & Buck Sexton Podcast Network. For more visit TudorDixonPodcast.com Follow Brian on XSee omnystudio.com/listener for privacy information.

Peggy Smedley Show
The Real Cost of Not Reskilling

Peggy Smedley Show

Play Episode Listen Later Oct 22, 2025 18:17


Peggy Smedley and Dan Miklovic, founder, Lean Manufacturing Research and leader, Third Eye Advisory, talk about the real cost behind not investing in reskilling and if a talent gap is on the horizon already. He says it depends on how you define it because there are going to be skills by 2030 that we don't even know we need yet. They also discuss: · Where the biggest risk lies. · One of the prime reasons workers leave companies. · Where the real skill lies today—and how durable skills come into play. https://thirdeyeadvisory.com/

Good Morning Liberty
Massie Has a Challenger + Bernie & Jon Stewart Are Wrong About Healthcare || 1653

Good Morning Liberty

Play Episode Listen Later Oct 21, 2025 40:43


In today's episode of Good Morning Liberty, Nate Thurston and Charles Chuck Thompson discuss two major topics. The first topic centers around the primary race in Kentucky's 4th Congressional District where Trump-endorsed candidate Ed Galran is set to challenge incumbent Republican Thomas Massie. The episode dives into the implications of this primary battle for liberty-leaning candidates and the broader political landscape. The second topic covers Bernie Sanders' recent appearance on Jon Stewart's show, where they discuss the complexities and shortfalls of the American healthcare system, Obamacare, and the potential for Medicare for All. The hosts also talk about the impact of government subsidies and the unintended consequences they often bring. Additionally, the episode features an ad segment for the ProLon fasting mimicking diet program. 00:00 Intro 01:15 Thomas Massie vs. Trump-Endorsed Candidate 03:38 ProLon Fasting Mimicking Diet 05:40 Trump's Endorsement and Massie's Popularity 16:54 Bernie Sanders on John Stewart 19:54 Healthcare Crisis: 15 Million at Risk 20:57 Medicare for All: The Debate 21:54 Obamacare Cuts and Subsidies 23:06 Inflation Reduction Act: A Closer Look 25:31 The Real Cost of Healthcare 26:05 John Stewart's Unexpected Point 32:15 Medicare for All: Pros and Cons 37:59 Healthcare Rationing and Comparisons 40:01 Conclusion and Final Thoughts  

Shedding the Corporate Bitch
How to Fix the Accidental Manager Crisis

Shedding the Corporate Bitch

Play Episode Listen Later Oct 21, 2025 33:44


aWhat happens when your best employees become your worst managers? Across corporate America, we're facing what experts call the "Accidental Manager Crisis." A staggering 60-80% of new managers receive ZERO formal leadership training before being thrown into people management roles.The result? Burned-out managers, disengaged teams, and cultures quietly crumbling from the inside. Your top performer just got promoted—but technical excellence doesn't equal leadership ability. Without the right training, support, and mindset shift, you're setting them up to fail.This isn't just an HR problem. It's a business crisis that costs organizations millions in turnover, lost productivity, and damaged culture.

Hunters Advantage Podcast
299. Spook Spann - The Real Cost of Chasing 200" Bucks

Hunters Advantage Podcast

Play Episode Listen Later Oct 20, 2025 134:45


In today's video, we sit down with long time bow hunter Spook Spann. We discuss his upbringing in the whitetail woods.-Use code HA20 for 20% off Pnuma Outdoors gear! https://pnumaoutdoors.com/ Use code HNTA15 for 15% off Out On A Limb MFG products! https://outonalimbmfg.com/ Use code HA10 for 10% VPA Broadheads: vparchery.com Check out Alberta Professional Outfitters Society for Hunting Alberta: https://www.apos.ab.ca/-Check out ElimiShield Hunt Follow our socials: TikTok: https://www.tiktok.com/@huntersadvantage Instagram: https://www.instagram.com/hunters_advantage Facebook: https://www.facebook.com/Thehuntersadvantage Gmail: thehuntersadvantage@gmail.comIn today's video, we sit down with long time bow hunter Spook Spann. We discuss his upbringing in the whitetail woods.In today's video, we sit down with long time bow hunter Spook Spann. We discuss his upbringing in the whitetail woods.In today's video, we sit down with long time bow hunter Spook Spann. We discuss his upbringing in the whitetail woods.

Toolbox
Bad Theology, AI, and Trump on Heaven?!: Why the Church Needs Discipleship | Think Like a Christian

Toolbox

Play Episode Listen Later Oct 20, 2025 58:26


In this video, Christian and Ross explore the urgent need for discipleship in the church today. Starting with Donald Trump's shocking comment about heaven, they unpack the issues shaping Christianity — from the rise of AI, to “TikTok theology,” to the cost of truly following Jesus.The next generation is asking big questions: How do I get into heaven? Why do we settle for shallow theology? What does it really mean to be a disciple of Christ? Their discussion tackles these challenges head-on and points back to the only solution — knowing Christ, living as His disciples, and thinking like Christians.Donald Trump Interview: https://www.youtube.com/watch?v=pYhRZZp4P1cSupport Emet Ministries, so we can continue to provide content and resources to help disciples become disciplers: https://veritas-ministry-415223.churchcenter.com/givingChristian's reading list:⁠ https://www.goodreads.com/user/show/74696644-christian-barrett01:55 – What the Next Generation of Christians Really Needs05:50 – The Danger of Artificial Intelligence for Faith & the Church11:09 – Is Donald Trump Going to Heaven?13:35 – How Do We Actually Get Into Heaven?19:45 – How the Church Ended Up With Bad Theology21:07 – Why So Many Turn to “TikTok Theology”26:37 – Truly Knowing God vs. Knowing About Him30:00 – Practical Steps: How to Do Discipleship in Daily Life36:45 – Why Sound Theology Is Essential for the Church42:00 – The Real Cost of Following JesusFair Use Disclaimer: This video may contain copyrighted material the use of which has not always been specifically authorized by the copyright owner. All clips used are protected by the Fair Use Doctrine within Title 17 of the United States Code. This doctrine safeguards the use of copyrighted material for transformative purposes, such as commentary, criticism, review and news reporting. Under Title 17 U.S.C. § 512(f), any person who makes a false, bad faith, or misleading copyright claim or uses a copyright takedown to infringe on free speech, criticism, or commentary can be held liable for damages to the content creator.Hosseinzadeh v. Klein, 276 F.Supp.3d 34 (S.D.N.Y. 2017); Equals Three, LLC v. Jukin Media, Inc., 139 F. Supp. 3d 1094 (C.D. Cal. 2015).#DonaldTrump #Heaven #Discipleship #Christianity #Theology #TikTokTheology #ArtificialIntelligence #Church #NextGeneration #Faith #FollowingJesus #BadTheology

The Real Estate Guys Radio Show - Real Estate Investing Education for Effective Action
Economic Slowdown, Alternative Trade Strategies and the Real Cost of Lower Interest Rates

The Real Estate Guys Radio Show - Real Estate Investing Education for Effective Action

Play Episode Listen Later Oct 19, 2025 59:00


Investors are watching interest rates closely, hoping for cheaper financing … but low rates aren't just about borrowing costs.  They're a key barometer of both the currency and the overall economy, and changes can ripple across markets in ways that matter. Understanding that correlation is important for anyone invested in real estate. To make sense of it all, we turn to our good friend George Gammon, a prolific real estate investor and entrepreneur with a passion for studying and teaching macroeconomics. He shares his latest predictions on where interest rates may be headed, the real threats in today's slowdown, and why “cheap money” often comes with hidden costs. Listen in for a wide-angle discussion to help you spot opportunities, avoid surprises, and position yourself ahead of the next big shift. Since 1997, The Real Estate Guys™ radio show features real estate investing ideas, strategies, interviews, and all kinds of valuable resources.  Visit the Special Reports Library under Resources at RealEstateGuysRadio.com 

What Would Sheila Say? // Teaching Service-Based Entrepreneurs How to Start and Run their Business with Clarity, Confidence,
The Creative Freelancer's Guide to Handling Clients Who Don't Pay Back Expenses {Ep. 92}

What Would Sheila Say? // Teaching Service-Based Entrepreneurs How to Start and Run their Business with Clarity, Confidence,

Play Episode Listen Later Oct 19, 2025 13:19


What should you do when clients don't reimburse you for out-of-pocket expenses? Today, we're talking about the importance of managing out-of-pocket expenses for clients to protect your financial stability and business operations. I'll share my own personal experiences of being left unreimbursed, highlight the distinction between service fees and expenses, and I offer some legal insights on setting clear boundaries and payment terms in client contracts.  Key issues include creating enforceable agreements, understanding opportunity costs, and avoiding financial risks by establishing up-front payment practices and clear consequences for nonpayment. 00:00 Free Resource for Managing Clients 01:51 Personal Story: Learning the Hard Way 03:04 Understanding the Real Cost of Fronting Expenses 04:04 Setting Boundaries and Clear Expectations 06:29 Legal Insights and Practical Tips 10:10 Final Thoughts and A Plan for You Resources Which client-pleasing pattern is holding you back? Take the Quiz! Free Interactive Guide: “12 Simple Tweaks to a Clearer Client Contract” >>>  Hi! I'm Sheila, your guide to a Joyful and Thriving™ creative life! I have lots of titles: attorney, social worker, coach, consultant, keynote speaker, educator. And while I'm proud of those titles, I am a human first and a title second – just like you. I want to help you reset expectations, set boundaries, and make aligned decisions, so you can streamline and focus your energy on the people, projects, and pay that actually matter to you.  Instagram: @sheilamwilkinson | LinkedIn Rate this podcast/episode on Apple Podcasts, or leave feedback here, and be sure to leave me a voice note with a question for me to answer in a future episode!

Let's Talk Money with Monika Halan
Clean Your Money Box This Diwali

Let's Talk Money with Monika Halan

Play Episode Listen Later Oct 19, 2025 20:37


This week, Monika turns the spotlight on a silent financial burden many carry — not bad investments, but chaos. After years of conversations and examining real money lives, she observes that it is not low returns that do the most damage; it is clutter — too many accounts, scattered assets, forgotten subscriptions, and decisions made only to save tax. She shares the story of someone who bought faraway properties just to avoid capital gains tax, only to be trapped in years of maintenance, legal risk, and stress. A simple tax payment and a clean investment could have cost far less. It's a reminder that financial tidiness is not frugality — it is clarity and peace.Monika walks through the common clutter that silently erodes wealth: multiple bank accounts with no defined purpose, excessive credit cards increasing the risk of missed repayments, auto-renewing subscriptions eating into monthly budgets, and multiple investment platforms that fragment portfolios. She warns against buying assets only for tax breaks or collecting funds without strategy. This “confusion tax” — paid in stress, oversight, and poor decisions — is rarely acknowledged but deeply felt. A clean money box, she argues, does not just save time; it restores control.In listener questions, T. P. Singh, aged 55, seeks resources to decide the right allocation between fixed deposits and equity while already owning property and having no loans. Anonymous, a 52-year-old from the IT industry, asks whether selling his house to clear a heavy EMI is wiser as retirement nears and future job security is uncertain. Nikilesh K wants guidance on finding a disciplined investment vehicle with commitment like an insurance plan, but without the rigid lock-ins, to prevent impulsive withdrawals.Chapters:(00:00–00:00) The Real Cost of Financial Clutter(00:00–00:00) Decluttering Bank Accounts, Cards & Subscriptions(00:00–00:00) Simplifying Investments and Real Estate Decisions(00:00–00:00) Allocating Assets Safely in Retirement(00:00–00:00) Preparing for Retirement Under PressureIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠Monika's book on mutual funds⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠Monika's workbook on recording your financial life⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠Calculators⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠@MonikaHalan⁠⁠Instagram ⁠⁠@MonikaHalan⁠⁠Facebook ⁠⁠@MonikaHalan⁠⁠LinkedIn ⁠@MonikaHalan⁠Production House: ⁠www.inoutcreatives.com⁠Production Assistant:⁠ Anshika Gogoi⁠

Million Dollar Landscaper
The Real Cost of Your Worst Landscaping Client- MDL Episode 373

Million Dollar Landscaper

Play Episode Listen Later Oct 17, 2025 15:27


Tired of that one nightmare client who's costing you money and sanity? This episode is your guide to firing bad landscaping clients professionally and protecting your business profitability.   Every landscaping business owner has that one customer who makes your stomach drop when their name pops up. They nitpick every job, constantly question your prices, and treat you like "the help." Scott is breaking down the real cost of keeping toxic clients—it's not just annoying, it actively drains your team's time, your profits, and your mental energy.   You'll learn how to tell the difference between a picky customer and a truly toxic one, and the necessary steps to take before you hit "send" on that breakup text. We cover setting clear boundaries, having one final conversation, and how to fire a client like a business pro (not an emotional mess) to keep your reputation clean.   We also dive into the five biggest red flags to watch out for so you can start getting pickier before the job even begins. Remember: the goal isn't to work for everyone; it's to work for the right clients who respect your time and your price.  

UNTAPPED - Live Up To Your Potential
The Real Cost of Being the 'Responsible One' (And How It's Killing Your Business Dreams)

UNTAPPED - Live Up To Your Potential

Play Episode Listen Later Oct 16, 2025 28:18


I'm about to call out a pattern you've been living your entire life, one that's kept you safe, earned you praise, and slowly stolen your dreams.You're the one everyone calls. The one who remembers the birthdays, manages the family calendar, organizes the holidays, handles the details, fixes the problems, keeps the peace. You're reliable, dependable, the glue that holds everything together.And on paper, that sounds amazing, right?Except here's what nobody tells you about being the responsible one: It's killing your dreams. Slowly, quietly, without you even realizing it's happening.In this raw, honest episode, I'm naming something you've been living with your entire life but have never had the words for. And more importantly, I'm showing you exactly how to break free from it.By the end, you'll understand why your dreams feel inconvenient, why you can't take real risks, and you'll walk away with the clarity and tools to reclaim your time, energy, and identity, without blowing up your life or abandoning the people you love.What You'll Learn:What “the mental load” really is — and why it's burning out millions of women worldwideThe Good Girl Syndrome: how people-pleasing and perfectionism become survival strategiesWhy your business never seems to grow (and what running on leftovers really costs you)5 steps to stop being responsible to everyone else and start being responsible for your own lifeHow to set boundaries, protect your time, and build your business like it actually matters Hosted on Acast. See acast.com/privacy for more information.

On The Homefront with Jeff Dudan
How to Know If Your Business Is Ready to Franchise iFranchise Group Mark Siebert Explains #218

On The Homefront with Jeff Dudan

Play Episode Listen Later Oct 15, 2025 65:05


Franchising expert Mark Siebert, founder of iFranchise Group, joins Jeff Dudan on Unemployable to reveal what makes a franchise truly scalable — and why franchising remains the most powerful wealth-creation model for small business owners. With 40 years of experience advising over 500 brands — including McDonald's, Subway, and Ace Hardware — Mark shares the insider checklist for determining if your concept is ready to franchise, what it really costs to grow, and why discipline, leadership, and sound economics separate the winners from the failures. They explore: The 3 criteria every franchise must meet before scaling Why management quality outweighs concept quality Common traps new franchisors fall into The real cost of aggressive growth Private equity's new role in franchising Global franchise trends — and why international expansion fails How AI and GEO (Generative Engine Optimization) are reshaping the future of franchising 

High Voltage Business Builders
Fulfillment 101: Cutting Shipping Costs Without Losing Customers

High Voltage Business Builders

Play Episode Listen Later Oct 15, 2025 27:08


For most sellers, shipping eats the largest slice of the budget. But with the right strategy, it can become your most powerful competitive edge.Lori from Falcon Fulfillment joins Neil to unpack how the fulfillment industry is transforming, from Amazon's two-day dominance to the rise of smarter, more profitable shipping models.They dive into how brands can cut costs, use AI to optimize logistics, and compete in an eCommerce world where speed isn't the only advantage. Whether you're scaling DTC or managing 3PL relationships, this episode breaks down the hidden levers that drive fulfillment profitability.In This Episode, We Cover:✅ Why Amazon's fulfillment model is no longer the only way to compete✅ How brands are saving thousands by extending from two-day to four-day shipping✅ The rise of flexible “mosaic” carrier strategies that lower shipping costs✅ How AI is changing fulfillment forecasting and decision-making✅ The return of U.S. and North American manufacturing post-COVID✅ What to look for in a fulfillment partner that actually fits your business

On The Homefront
How to Know If Your Business Is Ready to Franchise iFranchise Group Mark Siebert Explains #218

On The Homefront

Play Episode Listen Later Oct 15, 2025 65:05


Franchising expert Mark Siebert, founder of iFranchise Group, joins Jeff Dudan on Unemployable to reveal what makes a franchise truly scalable — and why franchising remains the most powerful wealth-creation model for small business owners. With 40 years of experience advising over 500 brands — including McDonald's, Subway, and Ace Hardware — Mark shares the insider checklist for determining if your concept is ready to franchise, what it really costs to grow, and why discipline, leadership, and sound economics separate the winners from the failures. They explore: The 3 criteria every franchise must meet before scaling Why management quality outweighs concept quality Common traps new franchisors fall into The real cost of aggressive growth Private equity's new role in franchising Global franchise trends — and why international expansion fails How AI and GEO (Generative Engine Optimization) are reshaping the future of franchising 

RETIREMENT MADE EASY
Six Things You May be Missing in Your Retirement That Can Cost You Big, Ep 197

RETIREMENT MADE EASY

Play Episode Listen Later Oct 15, 2025 29:28


Are you confident your retirement plan covers everything, or are there blind spots that could cost you down the road? In this episode of the Retirement Made Easy podcast, I reveal six commonly overlooked areas that can quietly sabotage even the most well-intentioned retirement strategy. From inflation shocks and healthcare surprises to tax missteps and market overconfidence, I'll walk you through the pitfalls I see time and again so you can learn how to avoid them. If you want a retirement that's not just comfortable but resilient, this episode is a must-listen. My goal is to walk you through these areas so you can strengthen your own plan and avoid costly mistakes. Today, I break down six critical areas that often get overlooked in retirement planning. First, I highlight the importance of preparing for large, irregular expenses. Second, I stress the impact of inflation, reminding listeners that costs will rise steadily over time and must be factored into any long-term plan. Third, I caution against assuming past investment performance will continue, urging retirees to prepare for market downturns with a solid strategy.  Fourth, I explain how tax planning (especially Roth conversions) can significantly reduce your lifetime tax burden if done thoughtfully. Fifth, I dive into healthcare planning, noting that Medicare isn't free and doesn't cover everything, so understanding your coverage and out-of-pocket costs is essential. Finally, I emphasize the importance of proper beneficiary designations and asset titling to avoid probate issues and unintended consequences after death. Together, these six areas form the foundation of a resilient, well-rounded retirement plan. You will want to hear this episode if you are interested in... (00:00) Intro. (04:20) How to handle large, unexpected expenses on a fixed income. (09:25) Does your retirement plan include inflation? (13:30) Do you have realistic expectations for your investment performance? (17:02) Tax Planning is Retirement planning. (20:06) Healthcare planning impacts your retirement. (23:17) Beneficiary planning and asset titling. The Real Cost of Your Living Expenses in Retirement Many people focus on monthly bills but often overlook big-ticket items, such as a new roof, HVAC system, or vehicle. These costs don't happen every year, but when they do, they can derail your financial stability if you haven't planned.  I share real examples from clients who face these challenges and emphasize the importance of building flexibility into your retirement budget to handle these inevitable expenses. Next, I highlight inflation's impact on your retirement.  The pandemic shows us how quickly prices can rise. I recall replacing our water heater and seeing the cost jump 150% in less than two years.  Inflation affects everything: healthcare, insurance, groceries, and dining out. Your retirement plan must include realistic inflation projections, as costs are expected to continue rising year after year. Planning for Market Pullbacks and Tax Surprises Then I turn to investment performance. Over the past decade, the stock market has performed exceptionally well, and many people assume that trend will continue. But that's not realistic. At some point, the market will pull back, and retirees need to be prepared (mentally and financially).  I stress the importance of having a strategy in place before a downturn hits, so you don't panic and make decisions that hurt you long-term. Tax planning is another critical area. Your income strategy in retirement should align with your tax strategy. Roth conversions allow you to move money into accounts that grow tax-free and aren't subject to required minimum distributions. Timing and planning are everything here. Getting Healthcare and Legacy Details Right I also discuss healthcare planning, which many people misunderstand. Medicare isn't like your employer's health insurance, and it doesn't cover everything. Healthcare costs will likely be one of your biggest expenses in retirement, and you need to understand what's covered, what's not, and how to prepare for unexpected medical bills.  Finally, I wrap up with beneficiary planning and asset titling. This is one of the simplest yet most overlooked parts of retirement planning. I've seen too many cases where someone passes away and their assets aren't titled correctly, or beneficiaries aren't listed. The consequences are taxes, probate fees, and emotional stress that fall on the surviving family.  These are easy fixes that can make a huge difference. I urge everyone to take the time to get them right. Now that you know these six areas, you're better equipped to build a retirement plan that truly works. Resources & People Mentioned 3 Steps to Retirement Planning Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

Stripping Off with Matt Haycox
Katie Price: The Real Cost of Fame and Survival

Stripping Off with Matt Haycox

Play Episode Listen Later Oct 15, 2025 56:59 Transcription Available


Tell us what you like or dislike about this episode!! Be honest, we don't bite!In her rawest interview yet, Katie Price opens up about the brutal reality behind a life lived in the headlines. From PTSD and public breakdowns to rebuilding her empire and finding peace, she reveals what the media got wrong, and how she finally took back control.You'll learn:The truth about her breakdown, therapy and recovery.What really goes on behind the tabloid stories.How she rebuilt her mindset and career from rock bottom.The price of fame and the power of resilience.Why she refuses to be anyone's “product” again.

The Dentalpreneur Podcast w/ Dr. Mark Costes
2357: The Real Cost of Unchecked Ambition

The Dentalpreneur Podcast w/ Dr. Mark Costes

Play Episode Listen Later Oct 14, 2025 28:20


On today's episode, you'll hear Dr. Mark Costes' TED talk from the Super Dentist Boost Camp 2025. In this raw and powerful session, Mark opens with a moving passage from his upcoming book, pulling back the curtain on a time in his life when he had achieved every external marker of success—multiple practices, financial freedom, luxury everything—yet still felt completely unfulfilled. He shares the emotional toll of burnout, the cost of ambition without boundaries, and how he nearly lost it all.  Out of that experience came the Four Futures framework—Mind, Meaning, Muscle, and Money—which he now uses daily to build a life of intention and balance. Mark also introduces the mission behind Smile Outreach International and explains why giving back has become the most rewarding chapter of his career. If you've ever questioned whether the price you're paying is worth the life you're building, this one is for you. 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

Mandy Connell
10-14-25 FULL SHOW - The Real Cost Of Education

Mandy Connell

Play Episode Listen Later Oct 14, 2025 105:39


The real cost of education is much higher than you think, Boulder wants to be like Denver and destroy local business, and vote for these Denver School Board members.

The Michael Yardney Podcast | Property Investment, Success & Money
5 Questions Property Investors Keep Asking Their Property Manager – With Leanne Jopson

The Michael Yardney Podcast | Property Investment, Success & Money

Play Episode Listen Later Oct 13, 2025 36:59


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    01:32 - Why Investors Are Thinking of Selling 04:36 - Getting Independent Advice Before Selling 09:38 - Are Leases Still Worth It? 14:24 - How AI Is Changing Property Management 18:38 - 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     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.

The Rush Hour with MG & Liam
Teddy Swims Talks AC/DC, Tattoos & The Real Cost of Fame

The Rush Hour with MG & Liam

Play Episode Listen Later Oct 13, 2025 12:29


Teddy Swims joins Maroon & Hindy on Triple M’s Rush Hour fresh off his massive NRL Grand Final performance. The viral moment? His powerhouse cover of AC/DC’s T.N.T. - a tribute to Aussie rock that blew up social media feeds across the country. Teddy opens up about how he was first introduced to Acca Dacca and why Aussie rock means so much to him. “Everybody’s paid and fed, so I would say that’s pretty successful,” he laughs - reflecting on the grind behind the glory. Despite 8.7 billion global streams and arena tours around the world, Teddy admits that 2024 was the first year he actually made money: “I actually made money for the first time last year. It took five years of touring for us to start seeing anything. And it wasn’t much either - I think we made twenty grand or something like that.” We also dive into his creative process - from songs that come to him in his sleep, to waking up with strange voice memos and decoding them later in the studio. “Some of them are just me mumbling half a lyric or humming a melody at 3 a.m.,” he says. Teddy also chats tattoos - the favourites, the mistakes, and the meaning behind them - before wrapping up the chat by taking on Hindy in a chaotic quiz: NRL vs NFL. See omnystudio.com/listener for privacy information.

The Level Up Podcast w/ Paul Alex
The Real Cost of Doing Everything Yourself

The Level Up Podcast w/ Paul Alex

Play Episode Listen Later Oct 10, 2025 3:11


You might think doing it all means saving money—but in reality, it's costing you everything. In this episode of The Level Up Podcast w/ Paul Alex, learn why trying to handle every task yourself kills growth, drains your energy, and limits your impact. Paul shares the early days of his business when control felt like power—until it became a prison. He reveals how learning to delegate, trust his team, and let go of perfection unlocked new levels of success and peace.

The Shaun Thompson Show
The REAL Cost of Corruption

The Shaun Thompson Show

Play Episode Listen Later Oct 9, 2025 103:02


Pritzker pretends to be a tough guy. PLUS, Todd Sheets, author of 2008: What Really Happened – Understanding the Great Financial Crisis and his On Wealth and Progress Substack, joins Shaun to break down the hidden forces behind the destruction of affordable housing. And Dom Giordano, host of the Old School, New School, Next School podcast, joins Shaun to dive into the latest developments in school choice and, more importantly, the growing movement around parental rights. See omnystudio.com/listener for privacy information.

#MoreThanJustPretty
Don't Just Exist- Live the Abundant Life God Promised You!

#MoreThanJustPretty

Play Episode Listen Later Oct 9, 2025 40:45


Are you simply existing… or truly living the life God promised you? In this episode, Samantha Lee breaks down the difference between living in survival mode and embracing the abundant life that comes through Christ. God never called us to just get by—He called us to thrive, to walk in His joy, peace, and purpose.✨ In this conversation, you'll discover:    •    Why Christian living is more than just going through the motions    •    How to shift from existence to abundant life in Christ    •    The role of faith in experiencing God's promises    •    Practical ways to choose spiritual growth and excitement in your walk with God    •    Encouragement to step into the fullness of who God created you to be

The Sleeping Barber - A Business and Marketing Podcast
SBP 148: The PostPod - Ad Fraud: The Real Cost.

The Sleeping Barber - A Business and Marketing Podcast

Play Episode Listen Later Oct 8, 2025 20:23


Join Marc and Vassilis as they reflect on their conversation with Dr. Augustine Fou, of FouAnalytics. They delve into the complexities of digital marketing, focusing on ad fraud, data integrity, and the challenges marketers face in a rapidly evolving landscape. They also discuss the importance of understanding the incentives behind ad fraud, the necessity of educating leadership on marketing metrics, and the philosophical underpinnings of advertising. They even cover some practical tips for marketers to navigate these challenges effectively.TakeawaysAd fraud is often a result of misaligned incentives within organizations.Marketers must take responsibility for understanding and addressing ad fraud.Data integrity is crucial; not all data is trustworthy.The audience expansion networks are a significant source of ad fraud.Marketers need to educate their leadership on the nuances of digital marketing metrics.Decision-making in marketing can be influenced by the fear of indecision.Practical tips, like turning off audience expansion networks, can mitigate fraud.Understanding the broader context of advertising is essential for effective marketing.The $300 billion ad fraud industry presents both challenges and opportunities for marketers.Speed and agility in decision-making are critical in the digital marketing landscape.Timestamps:00:00 Introduction and Initial Thoughts01:45 Ad Fraud and Incentivization Issues05:12 The Complexity of Reporting and Data Integrity09:00 Understanding the $300 Billion Fraud Industry12:39 The Goalie Paradox and Decision Making in Marketing16:25 Practical Tips for Marketers20:15 The Philosophy of Advertising and External Factors

The Sleeping Barber - A Business and Marketing Podcast
SBP 147: Ad Fraud - The Real Cost. With Dr. Augustine Fou.

The Sleeping Barber - A Business and Marketing Podcast

Play Episode Listen Later Oct 7, 2025 59:18


Episode SummaryDigital advertising promised perfect accountability—laser-sharp targeting, flawless attribution, and measurable results down to the last click. But what if the data has been lying to us all along?Dr. Augustine Fou, former Chief Digital Officer and independent ad fraud researcher, reveals why the "1% fraud rate" you've been hearing for a decade is dangerously wrong. In this eye-opening conversation, he exposes the systemic incentives that allow ad fraud to thrive, costing advertisers billions while enriching middlemen, platforms, and fraudsters.You'll discover how a major hotel chain found their "incredible" ROAS completely evaporated when they turned off campaigns for one week. Why "audience expansion networks" are actually "fraudience networks" filled with bots. And how placement reports from your DSP are systematically fabricated because fraudulent sites lie about their domains in bid requests.Dr. Fou doesn't just diagnose the problem—he provides concrete, actionable solutions. Learn the one campaign setting that eliminates 90% of fraud instantly, why paying higher CPMs actually saves you money, and how to measure what actually matters: Human CPM (HCPM), not just impressions.This isn't about pointing fingers. It's about upgrading your analytics so you can finally see what's really happening with your ad spend—and take back control.Key TakeawaysThe 1% Lie: Legacy verification vendors have reported ~1% invalid traffic for 10 years straight—not because fraud is low, but because that's all they can detectThe Attribution Illusion: View-through conversions and ROAS reports massively over-attribute sales that would have happened anywayEveryone Benefits But You: Ad exchanges, agencies under budget pressure, verification vendors, and even marketers protecting their jobs all profit from the status quoFraudience Networks: Turning off audience expansion on Facebook, Google, TikTok, and other platforms immediately eliminates 90% of fraudThe CPM Trap: Lower CPMs aren't "cost efficiency"—you're just buying 10x more impressions where only 10% reach humans, making your effective Human CPM 10x higherPlacement Report Fiction: Sites lie about their domain in bid requests, so your blocklists don't work and your reports show clean inventory that doesn't existThe Turn-Off Test: Run holdout experiments—turn off campaigns in one state or for one week and measure if sales velocity actually changesTimestamps00:00 - Introduction: The Promise vs. Reality of Digital Advertising02:58 - Dr. Fou's Journey: From MIT Chemistry to Ad Fraud Research05:54 - Why Everyone Dismissed the Warnings (Including Marc)09:12 - There's No "Typical" Fraud Rate: From 1% to 100% Depending on What You Buy11:58 - The Attribution Problem: Why Your ROAS Reports Are Fiction14:56 - The Incentive Structure: Why Everyone Profits From Fraud Except Advertisers17:58 - When Does This Become a Shareholder Problem?26:59 - Red vs. Blue: Why You Must Measure Both Bots AND Humans29:27 - The CPM Misconception: Price vs. Cost Efficiency32:54 - Fraudience Networks: Turn Them Off and Save 90% Immediately36:04 - How Bots Game Retargeting and Audience Segments40:04 - Best Practices: Inclusion Lists, Direct Buying, and Turning Off Audience Networks42:15 - The Placement Report Scam: Why Your Blocklists Don't Work47:00 - The Footfall Fraud: How Ad Tech Gamed In-Store Attribution52:01 - Moving Away From Black Box Algorithms56:04 - Reframing the Conversation: From "Fraud" to "Better Analytics"Guest BioDr. Augustine Fou is a former Chief Digital Officer, independent ad fraud researcher, and creator of FouAnalytics—an analytics platform that measures both bot traffic (red) and human traffic (blue) to give advertisers unprecedented...

AI in Marketing: Unpacked
You're Not Lazy - You're Cognitively Bankrupt with Mike Allton

AI in Marketing: Unpacked

Play Episode Listen Later Oct 7, 2025 19:46


You sit down at 9 AM ready to tackle your big strategic projects. By 9 PM, you're exhausted but your important work remains untouched. You've been busy all day, but what do you have to show for it? This isn't laziness. It's not poor time management. It's cognitive bankruptcy - and it's costing you 70% of your productive capacity. In this episode, I break down the hidden "Admin Tax" that's silently draining your mental energy and keeping you stuck in reactive mode. You'll discover why the solution isn't working harder or managing your time better - it's about protecting your attention and designing smarter systems. Through the story of a successful solopreneur who had a PDF open for a month without reading it, I'll show you exactly how cognitive overload manifests and what you can do about it starting today. What You'll Learn: Why 70% of your time is consumed by low-value administrative work (and how to calculate your personal "Admin Tax") The Einstein principle: How history's greatest minds protected their cognitive bandwidth Why that feeling of "I'm too lazy to do this" is actually your brain doing triage The difference between being busy and being strategic How to conduct a 3-Day Admin Tax Audit to identify where your attention is bleeding out The single question that will help you eliminate repetitive cognitive drain Why AI should be your strategic partner, not just your task assistant Key Takeaway: Your busyness is not a badge of honor. Your exhaustion is not proof of commitment. The breakthrough comes when you stop trying to be the "doer" of everything and start becoming the "designer" of smarter operations. Resources Mentioned: Free Download: AI Tools for Content Creators - Get the exact stack of AI tools I use to automate repetitive tasks and reclaim 15-20 hours per week.

Celebrate Kids Podcast with Dr. Kathy
The Real Cost of Raising Kids (and Why It's Worth It)

Celebrate Kids Podcast with Dr. Kathy

Play Episode Listen Later Oct 6, 2025 19:44 Transcription Available


In this episode of Facing the Dark, Wayne Stender and Dr. Kathy Koch tackle a question many parents quietly wrestle with: Can we really afford to raise kids in today's world? Drawing from both research and real-life experience, they unpack the financial realities of family life and explore what it means to trust God's calling over cultural caution. Dr. Kathy emphasizes that parenting isn't just a financial decision, it's a spiritual one. She encourages parents to seek the Lord's guidance when considering children, to embrace sacrifice with joy, and to celebrate kids as image bearers, not economic burdens. Together, Wayne and Dr. Kathy connect these themes to the book of Haggai, reminding listeners that delaying obedience for financial security often leads to spiritual emptiness. Parenting, they say, is sacred temple work—raising the next generation to reflect God's glory in the world.

Money Talk With Tiff
Why Every Business Owner Needs a Bookkeeper | Ep. 291

Money Talk With Tiff

Play Episode Listen Later Oct 3, 2025 18:21


Today on Money Talk With Tiff, Tiffany sits down with Melissa Broughton to tackle one of the most dreaded topics for entrepreneurs: bookkeeping! Melissa breaks down exactly what a bookkeeper does, why every business owner needs one (no matter what stage you're at), and how skipping this crucial step could be leaving thousands of your hard-earned dollars on the table. From decoding the roles of bookkeepers, CPAs, and fractional CFOs to real-life cautionary tales, this episode is packed with actionable insights for business owners and freelancers alike! Plus, Melissa's offering a fantastic freebie exclusively for Money Talk With Tiff listeners.Check out the full episode show notes: https://moneytalkwitht.com/podcast-show-notes/business-needs-a-bookkeeper/What You'll LearnWhat a Bookkeeper Really Does: Melissa clarifies the mystery around bookkeeping, explaining it's all about organizing your financial transactions and keeping your business tax-ready.Why Bookkeeping Is Crucial: Beyond tax time, regular bookkeeping helps you spot trends, manage budgets, and make smarter business decisions in real time.Bookkeeper vs. CPA vs. Fractional CFO: Discover the differences between each financial role (Melissa's medical analogies make it easy!), and why a bookkeeper should be your foundational hire.The Real Cost of Neglecting Your Books: Hear how business owners are missing out on an average of $7,500 in deductions by NOT having up-to-date books (and how it could be way more).Getting Started (Even if You're Small): Do you really need a bookkeeper if you're just starting out? Melissa shares who can DIY and when it's time to bring in a pro.Episode GemsTiffany's Take: “You won't get that data just going to a tax professional once a year! You need real-time insights to truly run your business.”Melissa's Pro Tip: “The expense of hiring a bookkeeper is 100% tax deductible—and makes sure taxes don't haunt you later!”Melissa's Free Gift: Download a complimentary electronic copy of The Four Hour Bookkeeper—perfect for DIYers who want to get their books in order.Links & ResourcesGrab Your FREE Copy: The Four-Hour Bookkeeper – Claim your copy here! (Go to the contact form to request your free book)Connect with Melissa: busybeeadvisors.com – Schedule your free consultation for bookkeeping or taxes.Connect with TiffWebsite & All Episodes: moneytalkwitht.comSocial: @MoneyTalkWithT on all platformsDon't let bookkeeping be the monster in your business closet! Tune in, grab your free book, and step into your CEO power with clear financials.

Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Why the Middle Layer of Your Agency Org Chart May Not Survive AI with Jennifer Bagley | Ep #841

Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies

Play Episode Listen Later Oct 1, 2025 28:36


Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you still thinking of AI as just “ChatGPT with a better prompt”? Or maybe you've played around with Zapier automations and thought, yeah, that's good enough. Today's featured guest knows that the agencies pulling ahead right now are building full-on AI agent networks that replace routine tasks, streamline data pipelines, and give their teams superpowers. She's re-engineering her agency around AI and will talk about where she finds top-tier talent and why you don't need to code to lead your agency into the future. Jennifer Bagley is the CEO and founder of CI Web Group, a fully virtual digital marketing agency registered in 22 U.S. states with clients across the United States and Canada. A former corporate operator turned entrepreneur, Jennifer started in real estate and mortgage brokerage before leaning into the marketing work she built to support those businesses. Today she runs a modern, tech-forward agency that's rebuilt its stack around AI, centralized data, and agentic networks, all while carrying the scars and lessons of scaling, pivoting, and re-founding a business from the ground up. In this episode, we'll discuss: Feeling trapped by the business. Hiring, firing, and the people reset AI, reskilling, and the end of “middle” roles What does this talent cost? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. From Corporate Ladder to Accidental Agency Founder Jennifer came from an operations background, a self-proclaimed black belt in Six Sigma and certified project manager. Having built that corporate background, she had made a promise to herself (“by 30 I'll be an entrepreneur”), and started to build the side hustle that became the main event. She started in real estate and mortgage brokering where she had to learn marketing the hard way; not because she wanted to be a marketer, but because the survival of her businesses depended on it. Initially, Jennifer didn't set out to build a scalable agency; she built a team to support her broker network. When the market collapsed in 2008, the same team that did marketing for agents suddenly had a market outside real estate. That “we'll just help this painter or HVAC company” phase is where the web group was born: small, service-focused, and useful to people in her network. That accidental turn became a business by solving real, pressing problems for paying clients, then leaned into that. Trading Time for Freedom: The Hard Pivot For the first five years, Jennifer describes the business as a “lifestyle” operation, profitable maybe, but trapping her time. She was trading billable hours for income and was reaching her limit when she hired a coach that forced a reckoning: if entrepreneurship isn't buying you time, money, and freedom, what's the point? So she made the brutal choice of cutting consulting contracts and burning the bridge to the “safety” of hourly work, and effectively gave herself a mulligan. This is the classic founder pivot: you have to choose between growth that keeps you doing the work and growth that scales the business without you. Jennifer's reset wasn't pretty, for a while she lost everything and she and her son lived in an office for a while, but it bought her the permission to build something salable, not just sustainable. Agency owners who feel trapped in delivery need to remember that sometimes you have to give up short-term revenue to create long-term value. Feeling Trapped by the Agency and Becoming a CEO Those first five years, Jennifer continued to run a business that started as a supply chain consulting and eventually turned into a sales supply chain consulting. This change meant the business was now a good lead generator for the agency but it also meant Jennifer was essentially selling her image and her time. Until she ran out of time. Once she felt trapped by the business, Jennifer actually hired a business coach that helped her change the model from “selling Jennifer with marketing on the side” to an actual sustainable business. She had to go back to the basics and remember she, like every entrepreneur, started the business with the idea of having more time, money, and freedom. It took losing everything, but Jennifer knew she didn't want a lifestyle business, she wanted a sellable business. The antidote was delegation plus systems. If you want growth and a future exit, you need to own those CEO responsibilities and be comfortable with letting go of the day-to-day. Hiring, Firing, and Resetting the Team Jennifer's talent strategy has evolved with each stage of growth. Her early hires were the classic “friends, family, fools” bootstrap crew; later she invested in developers, content teams, project managers, and over time, more strategic hires like CFOs, chief of staff, BI teams, and AI engineers. Each five-year arc brought a new set of needs and a new level of sophistication in hiring. Now, she divides her time between promoting her agency's work in podcasts and content and thinking of ways to navigate her business in these volatile and exciting times. Her most recent addition to the team was a technology and transformation team that is revisiting all of the agency's processes, investments, and infrastructure. As a result, she has downsized her team from over 300 W2 employees and refocus the team. The takeaway for agency owners: be honest about whether your people are builders or maintainers, and hire accordingly. The workforce you need for growth is not the same as the workforce you need for stable operations. Building AI Agent Networks with Centralized Data Jennifer's agency shifted from WordPress to Webflow and built agentic networks: hundreds of AI agents that crawl competitors, do strategy homework, and automate tasks that humans used to do. More importantly, they rebuilt infrastructure into a hub-and-spoke model with a centralized min.io data layer and ETL pipelines feeding analytics and BI. Two big lessons here. One: invest in your tech stack deliberately so you're not a Frankenstein of five different platforms that don't talk to each other. Two: design your data architecture so your people (and your AI agents) have a single source of truth. That's how you get from fire-fighting in six dashboards to proactive, predictive signals that tell you when a client engagement needs attention. AI, Reskilling, and Shrinking Middle Roles Jennifer draws a hard line: the agency now tends to hire either very seasoned client-facing leaders or AI engineers; the middle is shrinking. With agentic networks giving junior staff “superpowers,” the agency can afford fewer mid-level “lever pullers.” At this level there's no room for slow execution or elementary work. That's a cultural and ethical challenge, both for hiring and for workforce development. For agency owners, this raises practical HR questions: do you reskill your people, or replace them? Jennifer suggests building agent-driven systems that augment humans, and being brutally honest about who can grow into that future. It's also a call to action for how we prepare the next generation: schools won't teach this; companies will need to. Playing with AI Platforms: Why Leaders Need to Just Know Enough to Be Dangerous Jennifer started like a lot of agency owners dipping into AI, playing around on tools like n8n, Make.com, Relevance, and Longchain. Her dev team laughed, calling her an “elementary school kid on a tricycle,” but here's the point: she didn't need to master the tech. She needed to know enough to point her team in the right direction. Instead of obsessing over code, she framed the problem differently: “Here's what I don't want a human doing anymore. Can you make that happen?” That mindset shift is key for agency owners. You don't need to be a full-stack AI engineer to lead an agency into the future; you just need to clearly define outcomes and invest in people who can deliver them. Find Real AI Talent in Unlikely Places This is where most agencies get stuck. You're not going to find your next AI architect on Upwork. Jennifer leaned on her network, starting with her cousin Chris, a hardcore developer who initially thought AI platforms were “rookie business.” Once Chris realized the power of agentic networks to scale his expertise, he became the backbone of CI Web Group's transformation. Now, she hunts talent in unconventional places: hackathons, LinkedIn, and especially YouTube. Forget the flashy “10x growth hack” videos — she looks for nerds with four views, geeking out about orchestrators and ETL pipelines. Those are the builders who care about solving real problems, not just building hype. Her tip: if you find one, reach out immediately. They don't want sales, they just want to build. Designing AI Agents Like an Agency Org Chart Jennifer compares AI agents to a company org chart. You don't hire one person to do everything, that's a recipe for burnout. Same thing with AI. Each agent should tightly focus on a single task, with checks, auditors, and orchestrators overseeing the system. The payoff was massive efficiency gains. Instead of six different platforms that don't talk, her agency built a centralized hub with min.io, ClickHouse, and AI layers on top. That's how you go from patchwork automation to true predictive intelligence. The Real Cost of AI Talent If you're wondering how much this all costs, the answer is… a lot. On the high end, seasoned AI engineers can run you a quarter million in salary. On the low end, Jennifer tests new hires on project-based sprints, maybe $6K for a 10-hour challenge. The point isn't to cut costs; it's to prove quickly who can deliver and who can't. Her recruiting process is brutal but effective: give candidates a project, a tight deadline, and see how they perform. If they stall, they're out. If they screen-share fast and solve problems live, they're in. No fluff, no endless interviews. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

The Full Frontal Living™ Podcast with Lisa Carpenter
The True Cost of Success (and Why It Never Feels Like Enough)

The Full Frontal Living™ Podcast with Lisa Carpenter

Play Episode Listen Later Oct 1, 2025 19:57


You've achieved more than most people, but if you're honest, it's come at a cost — to your health, your relationships, your energy, maybe even your sense of peace. And here's the kicker: no matter how much you do, it never feels like enough. In this very first episode of Congruent, Lisa Carpenter pulls back the curtain on the truth about success. Why do so many high-achieving men and women deny or downplay their success? Why does “making it” rarely feel the way we imagined it would? And what does it actually take to create success that sustains you instead of drains you? Lisa shares her own story of chasing achievement while never feeling successful, and how a life-changing season forced her to embody everything she'd been teaching for over a decade. She reveals the hidden costs of “do-er mode,” the patterns that keep ambitious people stuck, and the shifts required to build a life that feels as good on the inside as it looks on the outside.   What you'll hear in this episode: Why success often comes with hidden costs. The gap between how others see you and how you see yourself. The real reason nothing ever feels like enough. The difference between numbing with busyness vs. living in congruence. What congruent success looks and feels like. What to expect from this podcast each week. If you've been chasing achievement but still feel unfulfilled, exhausted, or disconnected, this episode will help you see that you're not broken — you've been conditioned. And there's a different way forward.

Mental Healness
The Real Cost of Being With a Narcissist

Mental Healness

Play Episode Listen Later Sep 28, 2025 12:55


Being with a narcissist is never free—it comes with a heavy price. In this video, Lee Hammock (Self-Aware Narcissist) breaks down the true cost of toxic relationships. From wasted time and lost youth to broken health, damaged friendships, and strained family ties, narcissistic abuse drains every part of your life.More resources and join the group coaching community at ⁠⁠⁠⁠⁠https://mentalhealness.net⁠⁠⁠⁠⁠Contact Me - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://link.me/mentalhealness⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠I'm Lee & I've been diagnosed with narcissistic personality disorder ( NPD ). I've been in therapy since 2017 & It has definitely changed my life because without it, I would have lost everything. My platform is dedicated to giving you the WHYs behind the things that Narcissists do. I'm not here to diagnose ANYONE or to tell you to leave your relationship. I'm just trying to give you the information to make your own informed decisions1 on 1's and all my links - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://beacons.page/mentalhealness⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Remember, It's not your fault - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://a.co/d/2WNtdKJ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podcast Guest Form -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://tinyurl.com/Mental-Healness-Podcast-Form⁠⁠⁠⁠