Podcasts about Reality Check

In this episode of Business Lunch, we walk you through the ins and outs of managing business finances. We explain the potential pitfalls of keeping more than a month's worth of operating expenses in the account. We explain how that can lead to complacency and unnecessary spending. We also explain how business can cover unexpected events and tricky payroll situations, like those pesky months with three payroll cycles or prepaying for holidays. We go beyond the glamor of being an entrepreneur to the real details behind the scenes.Highlights:"We're very big on lifestyle and freedom and all those kinds of things. But it's also important to acknowledge that it's not a perfect situation very often.""There are times when things are absolutely amazing. And there's times when things could frankly be a hell of a lot better. And I think that's called life. I think that's called entrepreneurship""If we're buying a business, I hate the agreement part. I love negotiation and strategy. But when it comes to reading a 75-page document, I just absolutely can't stand it."Timestamps:00:00 - Operating Account Insight01:15 - Personal Calendar Reflection02:15 - Acknowledging Imperfections03:15 - Loving Strategy but Hating Legal Work06:52 - The Reality of Entrepreneurship07:39 - Cyclicality in Business08:54 - Handling Excess Profit10:20 - Minimum Operating Reserve10:37 - Importance of Operational Cash10:44 - Prepaying Payroll ChallengesConnect with me on social:TikTok: Check out my TikTok HereInstagram: Check out my Instagram HereFacebook: Check out my Facebook HereLinkedIn: Check out my LinkedIn HereSubscribe to my YouTube

This episode features "You Always Told Her You'd Give Her the World" by Aimee Ogden (©2025 by Aimee Ogden) read by Mirron Willis, and "Reality Check" by Nancy Kress (©2025 by Nancy Kress) read by Justine Eyre. Learn more about your ad choices. Visit megaphone.fm/adchoices

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  

On the latest Morning Tide, Ted goes over a rough night against Washington, looks at the schedule, standings, and gets into postgame reaction.

In the Season 2 finale, James Finister and I explore career evolution across life stages, questioning whether IT truly puts people first despite claiming to. We discuss age-and-stage development, the limits of online training for life skills, authenticity in service delivery, and why human connection remains irreplaceable in our technology-driven world.

Send Katie a Text Message!! In this kickoff episode of our two-part series, I'm taking you behind the scenes of the work most designers avoid: facing the truth about what actually happened inside your business this year. Before we can build your 2026 vision (that's coming in Part 2!), we have to strip away the assumptions, the emotions, the “I think I made money here… maybe?” and look at the real data. I'm talking revenue, margins, client load, time spent, energy, alignment—everything. I know this work is uncomfortable. But this is the difference between running a busy, high-cortisol design business… and building a profitable, strategic, scalable one.In this episode, I dive into: • Why most designers avoid looking at their numbers—and why that avoidance keeps you stuck • The “numerical autopsy” that reveals what actually worked in your business • How assumptions lead to hustle… but truth leads to strategy • The difference between being busy and being profitable, and the real markers of each • The revenue vs. margin conversation designers desperately need to hear • How to evaluate your client load, your time, and your emotional bandwidth • The 80/20 rule for figuring out which actions created the majority of your results • How to identify your dream clients and reverse-engineer where they came from • What your marketing actually delivered this year (and what was just noise) • The one thing you already know isn't working… and why you're still doing it • What it takes to build capacity instead of just pushing your capability until it snapsThis episode is your permission—and your push—to stop guessing about your business and start knowing. Because when you know the truth, you can actually make decisions that move you toward clarity, profitability, and a business that finally feels aligned with who you are now.Part 2 is coming next, and that's where we'll take everything you uncover today and turn it into a vision and action plan for 2026 that isn't emotional, frantic, or based on old patterns—but strategic, grounded, and sustainable.If you're ready to stop avoiding your numbers and start leading your business like a CEO, this one is for you.Connect with Katie LinkedInBusiness Strategy Sessions for Interior Designers Free Resources for scaling your interior design firmWebsite

SED News is a monthly podcast from Software Engineering Daily where hosts Gregor Vand and Sean Falconer unpack the biggest stories shaping software engineering, Silicon Valley, and the broader tech industry. In this episode, they cover Jeff Bezos's unexpected return to the CEO seat with  Project Prometheus, the growing debate over whether AI investments are The post SED News: Bezos Returns to Building, AI's Reality Check, and Europe's Cloud Ambitions appeared first on Software Engineering Daily.

Are you feeling the pressure to make your homeschool look “perfect”? In this episode, we dive into the all-too-common trap of unrealistic expectations in homeschooling — the pressure parents put on themselves and the expectations driven by social media, comparison, and “ideal” homeschool images. You'll hear honest, practical insights that confront unrealistic standards, plus encouragement for how to reset your vision, reduce stress, and re-discover the joy and purpose of home education. If you've ever felt discouraged or overwhelmed, this episode is a gentle reminder that homeschooling isn't about perfection — it's about grace, growth, and family. Let's reframe success together and reclaim peace in your homeschool. If your homeschool has ever felt heavy, discouraging, or “not good enough,” you're not alone. In this encouraging episode from the Teach Them Diligently Vault, we're tackling the unrealistic expectations that often creep into our homeschool days and steal our joy. We explore: The subtle sources of unrealistic expectations (including comparison, social media, and perfectionism) Why the “ideal homeschool” image is often misleading and harmful How to recognize when pressure — not purpose — is driving your decisions Practical ways to reset expectations and create a grace-filled learning environment Encouragement for parents who feel overwhelmed or behind Whether you're a brand-new homeschool parent or a seasoned veteran, this episode will help you release unnecessary pressure, rediscover your confidence, and refocus on what truly matters in your homeschool. Listen in and be reminded: Your family doesn't need perfection — just a faithful, intentional, and joy-filled pursuit of learning together. RESOURCE MENTIONED: Join us in Teach Them Diligently 365 to get encouraged and equipped to do what God has called you to do with excellence all year long! Click here to learn more: https://teachthemdiligently.net/teach-them-diligently-365

Week 13 of the 2025 NFL season has been wild — and we're breaking it all down. From key injuries shaking up fantasy football lineups, to waiver wire stashes that could win you your league, The Couch GMs are diving into everything you need to know.In this episode:Major injury updates & fantasy impact

SED News is a monthly podcast from Software Engineering Daily where hosts Gregor Vand and Sean Falconer unpack the biggest stories shaping software engineering, Silicon Valley, and the broader tech industry. In this episode, they cover Jeff Bezos's unexpected return to the CEO seat with  Project Prometheus, the growing debate over whether AI investments are The post SED News: Bezos Returns to Building, AI's Reality Check, and Europe's Cloud Ambitions appeared first on Software Engineering Daily.

In Folge #165 des 121WATT Podcasts sprechen Sarah und Patrick darüber, warum sich so viele Marketingabteilungen an der Realität aufreiben und was du konkret tun kannst, um wieder mehr Wirkung und weniger Frust im Arbeitsalltag zu erleben. Basierend auf tausenden Teilnehmenden aus Seminaren und Beratungen zeigen die beiden typische Probleme auf, die fast überall auftreten, von fehlender strategischer Ausrichtung bis zu unklaren Zielen und überfrachteten Kanälen.

Tue, 02 Dec 2025 04:45:00 +0000 https://jungeanleger.podigee.io/2785-abc-audio-business-chart-149-der-risikokompass-welche-risikokennzahlen-wirklich-zahlen-josef-obergantschnig 9dd31037e962d1f861a4a89eb3cc4bad ABC – Audio Business Chart #149: Die letzten Wochen waren ein Reality-Check.Volatile Märkte. Überraschende Ausschläge. Einige Investor:innen am falschen Fuß erwischt. Der Fehler? Rendite im Blick – Risiko ausgeblendet. Vor jedem Investment gilt: Nicht nur fragen „Was kann ich verdienen?“, sondern vor allem „Was kann ich verlieren?“ In Folge #149 spreche ich über: Maximaler Drawdown – wie tief es im Worst Case gehen kann Unterschiede zwischen Aktien- und Anleihenrisiken - Warum Volatilität nichts mit Verlust gleichzusetzen ist - Welche Kennzahlen Orientierung geben – bevor es kracht Wer Risiken versteht, trifft bessere Entscheidungen.Wer sie ignoriert, zahlt Lehrgeld – oft teuer. Einfach reinhören – 149 liefert den Risikokompass. Zum Sprecher gibt es auch einen Börsepeople-Podcast: Josef Obergantschnig beschreibt sich auf LinkedIn als "Unternehmer - Börsianer - Präsident - Autor - Steirer". Diese Punkte gehen wir im Börsepeople-Talk mit unterschiedlicher zeitlicher Gewichtung durch. Die Reise geht vom Buchhalter über den Head of Fund Management bei der Hypo Alpe Adria, über den CIO bei der Security KAG bis hin zum eigenen Unternehmen. Mit ecobono und der Obergantschnig Management GmbH möchte Josef die Themen Finanzmarkt und Nachhaltigkeit in die Breite bringen. Dementsprechend hat er für Privatpersonen (ecobono) aber auch Finanzberater ein umfassendes Schulungsprogramm entwickelt. Josef ist zudem Autor mehrerer Bücher und Kolumnist (Logbuch eines Börsianers) u.a. für die Kleine Zeitung. Und: Seine Finanzgrafiken des Tages sind längst mehr als ein Geheimtipp. Spontan haben wir beschlossen, eine "erzählte Grafik" in diesem Podcast abzutasten. Daraus wurde der ABC Audio Business Chart. Börsepeople-Talk mit Josef: https://audio-cd.at/page/podcast/3564 Informationen zu Josef: https://www.ecobono.at https://www.obergantschnig.at https://www.linkedin.com/in/josef-obergantschnig-1aa09987/ Der ABC Audio Business Chart von Josef Obergantschnig ist eingebettet in „ Audio-CD.at Indie Podcasts" und erscheint 2x wöchentlich. Bewertungen machen uns Freude: http://www.audio-cd.at/spotify , http://www.audio-cd.at/apple . Du möchtest deine Werbung in diesem und vielen anderen Podcasts schalten? Kein Problem!Für deinen Zugang zu zielgerichteter Podcast-Werbung, klicke hier.Audiomarktplatz.de - Geschichten, die bleiben - überall und jederzeit! 2785 full no Christian Drastil Comm.

Disclaimer: We are not professionals. This podcast is opinioned based and from life experience. This is for entertainment purposes only. Opinions helped by our guests may not reflect our own. But we love a good conversation.In this episode of the 2 Be Better Podcast, Chris and Peaches break down a raw email from a newly married wife who is already thinking about leaving her husband, and they do not sugar coat a thing. You will hear real marriage advice on the first year of marriage, resentment and the mental load, division of labor in the home, expectations around being a “50s housewife,” body image, fitness before pregnancy, and why “he makes me feel like a piece of meat” might actually be a communication and perception problem, not proof that your man is a monster. They unpack groping versus affection, why your feelings are not the full story, what happens when you keep score over chores, and how couples slip into the roommate phase when they avoid direct, honest conversations about needs, kids, sex, and respect. If you are searching for first year of marriage advice, help with housework resentment, or real relationship coaching that calls out your own part in the dysfunction, this episode is for you. The second half dives into the conversations you must have before having children, from discipline, religion, diet and holidays, to college versus trade school, public school versus homeschool, and what it really means when both partners want full time careers while expecting grandma to run childcare and schooling. Chris and Peaches speak directly to working wives, stay at home mom hopefuls, firefighters' families, and neurodivergent couples navigating autism and ADHD, challenging you to think about postpartum, special needs, and what happens when your support system fails. You will get practical questions to ask each other before kids, a reality check on how children intensify whatever is already broken in your marriage, and a push to build a marriage centered on service, ownership, and intentional parenting, not fantasy and convenience. This is unfiltered relationship coaching, marriage advice for women and men, and a must watch if you want a strong marriage and a functional family, not just cute wedding photos and a baby announcement.Become a supporter of this podcast: https://www.spreaker.com/podcast/2-be-better--5828421/support.

KB is BACK and kicks things off talking about the Eagles loss to the Bears and why this needs to be a reality check for the organization before things get even more out of hand. He plays with the Playoff Machine to see how and when the Birds can retake the #1 seed in the NFC. Then he goes around the NFL, talks about his excitement with the Flyers and why they're a good team, the Sixers stumbling through the end of November, and more. Then he ends the show on a beautiful speech on living rent free in a certain human's head. Follow & Subscribe to The House Show with Pat Pitts! linktr.ee/OfficialHouseShow Subscribe to From Broad Street with Love: broadstreetwithlove.substack.com/ Onboarding Form: forms.gle/mZYnkiQcGv1ZxBSg9 Voicemail Line: speakpipe.com/UndergroundSportsPhiladelphia Support Our Sponsors! The City of Vineland: Visit www.vinelandcity.org/ and stay connected with the community and learn about important announcements, programs, and services offered by the city! Vineland, New Jersey... Where It's Always Growing Season! '47 Brand Shop for your favorite sports fan and get FREE SHIPPING on ALL orders with '47 Brand! 47.sjv.io/e1Nyor Kenwood Beer Visit kenwoodbeer.com/#finder and see who has Kenwood Beer on tap in YOUR area and crack open an ice cold Kenwood Beer to celebrate the good times! (MUST be 21+ to do so and PLEASE drink responsibly.) Merch & Apparel: www.phiapparel.co/shop + Use Code "UNDERGROUND" for 10% off! Paramount+ Students get 50% off ANY Paramount+ plan when you use our link to sign up for Paramount+. Stream the NFL all season long on Paramount+ paramountplus.qflm.net/c/2698521/3247125/3065 FOCO Shop FOCO's Black Friday and Cyber Monday sale and stock up on your Forever Collectibles! https://foco.vegb.net/0ZyLgV Biñho Get 10% off your next purchase with code BINHOBENNETT62 from our pals at Biñho! binhoboard.com?bg_ref=pDJkDdNO1y Follow Us! Twitter: twitter.com/UndergroundPHI Instagram: www.instagram.com/undergroundphi/ TikTok: tiktok.com/@undergroundphi KB: twitter.com/KBizzl311 Watch LIVE: YouTube: www.youtube.com/@UndergroundSportsPhiladelphia FB: facebook.com/UndergroundSportsPHI Twitch: twitch.tv/UndergroundsportsPHI Intro Music: Arkells "People's Champ" Outro Music: Arkells "People's Champ" #fyp #FlyEaglesFly #GoBirds #NFL #LetsGoFlyers #NHL #RentFree #podcastcharts #download #review #subscribe

In this episode, Christina shares a hilarious moment when her watch strap snapped and clattered to the floor — the kind of everyday chaos every woman knows too well. But the real twist? What happened next: a packed jewelry store, lineups, and people buying high-ticket items like the economy didn't get the memo.Brittany jumps in with her signature perspective, highlighting how these tiny everyday moments tell bigger stories about people, spending habits, and the weird contradictions of “the economy.” Is it struggling? Thriving? Or just… confusing?From watch fails to unexpected behavioral insights, this convo reminds us that the most ordinary moments are often the most revealing — and the most entertaining.About Brittany and Christina:Meet Brittany and Christina, your dynamic podcast hosts who bring their unique blend of expertise, passion, and life experience to every conversation.Brittany, affectionately known as Britt, mom, mommy, bruh, and Queen, lives in Vancouver with her husband and their three fantastic kids (tweens and teens, hence the playful nicknames). Together for nearly two decades, Brittany and her husband share a love for travel and adventure. A self-proclaimed endurance sport junkie, Brittany thrives on pushing herself beyond her comfort zone to unlock her full potential. As a coach, she specializes in helping clients overcome overwhelm by aligning personal goals and values with actionable steps for success. Her greatest joys come from connecting with new people and witnessing their incredible achievements.Christina Lecuyer, a former professional golfer and TV host, is recognized as one of GlobeNewswire's Top Confidence Coaches. She works with clients worldwide, including entrepreneurs, Wall Street executives, stay-at-home moms, and small business owners. Through her signature "Decision, Faith & Action" framework, Christina has guided thousands of clients in creating their own versions of fulfillment and success, often leading to thriving six- and seven-figure businesses. Her 1-on-1 coaching model focuses on mindset and strategy to build self-trust, confidence, and long-term results.Together, Brittany and Christina bring their authentic, energetic, and empowering perspectives to help listeners navigate life, achieve their goals, and embrace their fullest potential. Feeling like you want to share a hot topic you'd like us to discuss on the podcast? Send us a DM over on Instagram at @anythingbutaveragepod. Your hot topic just might make it in the next episode!

Gabor Steingart präsentiert das Pioneer Briefing.

Doug Fifer is a retired Alaskan police officer who specialized in crime scene analysis, deviant sexual crimes, hostage negotiations, and various special assignments throughout his twenty-five-year career. As a highly decorated investigator, Doug has negotiated with serial killers, solved homicides, and worked on real-life cases that will shock you to the core.This is not your run-of-the-mill true crime; it is straight from the source, an author-led journey into how far some will go to achieve their sexually freakish desires. You have never read a book like this one; it is a cringeworthy reality check on humanity. You might think you can manage the truth, but this police officer's truth is as savage as it gets.When asked about the stressors of being a police officer, Doug replied, “Humor plays a key role in keeping your sanity, not just in law enforcement but life in general.” His writing certainly reflects this philosophy, as Doug believes in taking life seriously—just not too seriously.Born in the small town of Homer, Alaska, Doug's family originates from southeast Alaska, around the Ketchikan area. He and his wife, Kim, raised their children in the Anchorage area, where he resides today.He is the author of Fifty Shades of True Crime: Sex, Drugs, and Killer Kink. https://dougfifer.com/http://www.yourlotandparcel.org

The Go Radio Football Show: 1st of December, 2025. Join host Paul Cooney alongside Celtic Hero Andy Walker and Rangers Legend Barry Ferguson in Association with Burger King. This is a catch-up version of the live, daily Go Radio Football show.  Don't miss it – PLAY and HIT SUBSCRIBE, and NEVER miss an episode! We dive into the drama surrounding Rangers' frustrating draw against Falkirk, the pressure on Danny Röhl, and the recruitment woes that have fans demanding answers. Celtic's resurgence under Martin O'Neill takes centre stage as the interim boss continues to defy expectations, while the Wilfried Nancy saga drags on. We also celebrate Motherwell's impressive rise, dissect the Scottish Cup draw, and debate whether smaller clubs should cash in on big fixtures. Rangers Stumble: A disappointing 0-0 draw at Ibrox sparks more questions about summer signings and tactical decisions. Danny Röhl Speaks Out: The manager's candid assessment of inconsistency and decision-making issues. Celtic's Revival: Martin O'Neill's unbeaten run and the delay in Wilfried Nancy's appointment—what's really going on? Motherwell Magic: How the Steelmen climbed to third with bold, risky football. Scottish Cup Buzz: A dream draw for Auchinleck Talbot—should they move the game for a payday? Fan Frustration: Rangers supporters vent about recruitment failures and tactical rigidity. Boardroom Battles: Celtic fans plan another protest amid AGM fallout and Ross Desmond's controversial comments. European Outlook: Rangers and Celtic brace for tough tests in Europe—are they in the wrong tournament? The Go Radio Football Show, weeknights from 5pm-7pm across Scotland on DAB, Online, Smart Speaker and on the Go Radio App. IOS: https://apps.apple.com/gb/app/go-radio/id1510971202  Android: https://play.google.com/store/apps/details?id=uk.co.thisisgo.goradio&pcampaignid=web_share  In Association with Burger King. Home of the Whopper, home delivery half time or full time, exclusively on the Burger King App  https://www.burgerking.co.uk/download-bk-app. Follow us @thisisgoradio on Instagram, Facebook, LinkedIn and Tik Tok  Watch on YouTube: https://www.youtube.com/watch?v=mbsfwnlMFeI&list=PLBoA8NYTpHtcqoS3M5IrA0C7K-iCmvg-F For more Go Creative Podcasts, head to: https://thisisgo.co.uk/podcasts/   Facebook: https://www.facebook.com/share/1ATeQD... 

Throughout the years, the only person permitted to drink inside the House of Commons is the Chancellor, so what has been the tipple of choice for each resident of Number 11 dating back to Benjamin Disraeli? Following Rachel Reeves Budget this week, Michael Simmons and James Heale drink their way through the ages, discuss the historical context of each Budget, and question whether Rachel Reeves has the toughest job of them all.This episode was originally recorded for Michael Simmons's new podcast Reality Check. Search Reality Check wherever you subscribe to your podcasts.Become a Spectator subscriber today to access this podcast without adverts. Go to spectator.co.uk/adfree to find out more.For more Spectator podcasts, go to spectator.co.uk/podcasts.Contact us: podcast@spectator.co.uk Hosted on Acast. See acast.com/privacy for more information.

Throughout the years, the only person permitted to drink inside the House of Commons is the Chancellor, so what has been the tipple of choice for each resident of Number 11 dating back to Benjamin Disraeli? Following Rachel Reeves Budget this week, Michael Simmons and James Heale drink their way through the ages, discuss the historical context of each Budget, and question whether Rachel Reeves has the toughest job of them all.This episode was originally recorded for Michael Simmons's new podcast Reality Check. Search Reality Check wherever you subscribe to your podcasts. Hosted on Acast. See acast.com/privacy for more information.

Welcome back to AI Unraveled (November 28th 2025), your daily strategic briefing on the business impact of AI.Today, the open-source community scores a massive victory as DeepSeek's new model achieves Gold Medal status at the International Math Olympiad, effectively commoditizing reasoning capabilities that were once the exclusive domain of Google and OpenAI. We also dissect the sobering financial reality facing OpenAI as HSBC predicts a $207 billion funding gap, and the strange new security flaw where rhyming poetry can trick AI into building weapons.Strategic Pillars & Key Takeaways:

Australian property investors are selling up in record numbers – and the 2025 PIPA Investor Survey finally reveals why. In this solo episode, Bushy Martin breaks down the truth behind the rental crisis and what it really means for everyday Australians trying to build wealth. Bushy unpacks the biggest shifts in this year’s PIPA survey, including: Record investor exits (16% sold in the last year) and why most of those properties left the rental market. Costs rising 10–40% while 65% of investors are passing on less than 10% to tenants. Major fear triggers like negative gearing reform, CGT changes, land tax hikes and compliance blowouts. State-level pain, with QLD and VIC hit hardest. A surprising silver lining — nearly 60% of investors still believe it’s a good time to buy. He then zooms out to reveal the bigger truth most commentators are missing: You don’t fix a shortage by shrinking the supply. Investor exits mean fewer rentals, higher rents and more pressure on the people who can least afford it. Bushy also shares his foresight on what’s coming next — from the likely intensification of the rental crunch to interest rate expectations and why contrarian investors may quietly win the next cycle. Finally, he gives you his clear GPS for what to do now: Strengthen emotional resilience and think long-term Stress-test your buffers and compliance load Avoid hype, focus on fundamentals and buy where true scarcity exists PIPA Resources This episode draws on insights from the Property Investment Professionals of Australia (PIPA). Explore more: https://www.pipa.asn.au/knowledge/ Download the full 2025 PIPA Survey: https://www.pipa.asn.au/wp-content/uploads/PIPA_Investor-Survey-Report_2025.pdf Contacts: Cate Bakos (Chair): cate@catebakos.com.au Mike Mortlock (Treasurer): mike.mortlock@mcgqs.com.au Matt Monaghan (GM): matt@pipa.asn.au Nicola McDougall (Adviser/Editor): nicola@bricksandmortarmedia.com.au Take the next step with Bushy Personal Solutions Session Get clarity and personalised guidance: Book now Property W.E.A.L.T.H Program - live now! Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Get property investment and wealth resources, and book a Personal Solution Session with Bushy. All the links and info are here: linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com.See omnystudio.com/listener for privacy information.

Artificial Intelligence (AI) is re-writing the rules. Are we ready? In this episode of Democracy Unplugged Timothy Maurice Webster leads a dynamic conversation with AI experts George Nichas, Callan Abrahams and Mushambi Mutuma on how AI is reshaping work, creativity, governance, and daily life. The Burning Platform

In this episode, we sit down with Chris Adams, New Jersey grower and founder of Eastbound Acres, to explore what it really means to be a small-scale farmer in the most densely populated state in the United States. We dive deep into the challenges of farming in a landscape dominated by suburban sprawl, fast-food chains, and skyrocketing land prices, and we explore Chris's mission to rebuild local food awareness in a place where agriculture has all but disappeared from daily life. Chris breaks down how he built multiple farms over 13 years; why sales, not production, remain the biggest barrier for growers in his region; and how he's using tools like Local Line, CSA credit systems, and ultra-efficient market gardening practices to build a viable business on under half an acre.Learn more about Chris's work at Eastbound Acres: https://eastboundacres.com/Timestamps[2:15] Farming in a densely populated and developed area.[3:29] The need for agriculture education and awareness in New Jersey.[9:57] Historical context of farmland loss in New Jersey due to urban sprawl.[12:23] Chris's journey to farming: from soil science to starting a farm from a class project.[15:20] "Food Inc." documentary as a catalyst for change.[16:58] Evolution of the farm model: transitioning from tractor-oriented to super-small market garden style.[23:00] Achieving high efficiency and streamlining labor (working three hours a week on a half-acre).[27:01] The difficulty of sales and marketing in a densely populated area and the problem with fake farm markets.[30:02] Using local line software for sales, forecasting, and streamlining the business.[41:17] Juggling the farm with a main business and the importance of setting hard boundaries.[1:28:24] Rapid fire Q&A (books, advice, failures, and the link between wrestling and farming discipline)SponsorsReal Organic Project: Get Involved. Get Certified. Join the movement to fight the co-opting of organic.Market Gardener Institute: Join the Masterclass waiting list today!Links/ResourcesMarket Gardener Institute:  https://themarketgardener.com Masterclass:  https://themarketgardener.com/courses/the-market-gardener-masterclass Newsletter:  https://themarketgardener.com/newsletterBlog:  https://themarketgardener.com/blog Books: https://themarketgardener.com/booksGrowers & Co: https://growers.coHeirloom: https://heirloom.ag/The Old Mill: https://www.espaceoldmill.com/en/Follow UsWebsite: http://themarketgardener.com Facebook: http://facebook.com/marketgardenerinstitute Instagram: http://instagram.com/themarketgardeners Guest Social Media LinksChris Adams:Website: https://www.eastboundacres.com/ Instagram: https://www.instagram.com/eastboundacres Facebook: https://www.facebook.com/profile.php?id=100089652433399LinkedIn: https://www.linkedin.com/in/christopher-adams-a9b451382/ JM:Instagram: https://www.instagram.com/jeanmartinfortierFacebook: https://www.facebook.com/jeanmartinfortier

In this episode, we reveal the massive recruitment shockwaves hitting the Sydney clubs. The panic is real at Manly after Reuben Garrick officially signed with the Sydney Roosters, while Souths are fighting to stop Keon Koloamatangi from following him out the exit door. We break down how the Roosters secured Garrick's signature—involving a $650k deal and a post-career real estate gig—and why Parramatta is reportedly "well and truly in front" to snatch Koloamatangi from the Rabbitohs. Is Bulldog's teenage sensation Mitch Woods ready to partner Lachlan Galvin? We discuss the "ideal" 6 and 7 combination and why Stephen Crichton might switch to Fullback And finally, we cover the latest movements for 2026/27: The Storm’s pursuit of Tino Fa'asuamaleaui, and which clubs (including Perth?) could land Jahream Bula if he hits the open market.See omnystudio.com/listener for privacy information.

One of my clients just had one of their best months ever in terms of cash collected …but when we pulled the numbers, their profit was down 40% compared to just four months earlier.In Episode 178 of The Podiatry Business Podcast I want to walk you through what happened, why it's more common than you think, and what you must do to avoid a busy clinic with not enough profitsBy the end, you'll know exactly why focusing on turnover alone is dangerous, what really drives profit in a podiatry clinic, and how a simple monthly P&L review can save you from nasty surprises.

Carl Sagan's apple-pie insight becomes a launchpad for a sweeping journey from kitchens to cosmos, as Raghunath and Kaustubha explore why nothing we "create" is truly from scratch, why everything we touch is on loan, and how embracing our smallness opens the door to spiritual freedom. From the caves and rivers of Rishikesh to the wheel of saṁsāra and Lord Brahma's realization of Kṛṣṇa's supremacy, this episode dismantles the illusion of independence and invites us into a more grounded—and liberating—vision of reality. ******************************************************************** LOVE THE PODCAST? WE ARE COMMUNITY SUPPORTED AND WOULD LOVE FOR YOU TO JOIN! Go to https://www.wisdomofthesages.com WATCH ON YOUTUBE: https://youtube.com/@WisdomoftheSages LISTEN ON ITUNES: https://podcasts/apple.com/us/podcast/wisdom-of-the-sages/id1493055485 CONNECT ON FACEBOOK: https://facebook.com/wisdomofthesages108 ********************************************************************* Join Raghu's Whatsapp channel: https://whatsapp.com/channel/0029Vb704tt9WtC02KPwhc1R

Send us a textEmmy dared Keith to watch the entire season 9 of Love is Blind on Netflix and Keith said, "SURE!" not having a clue what he was getting into. Emmy and Keith will talk about the show that nearly drove Keith mad. We hope you enjoy! - the ABINGERSSupport the show

The UK's Covid inquiry has made the audacious – and utterly misleading – claim that an earlier lockdown could have saved thousands of lives. Here, Michael Simmons – economics editor at the Spectator and host of the Reality Check podcast – exposes the dodgy data being peddled by the ‘experts', the groupthink that pushed us into lockdown, and the economic devastation that is still being felt today.  Read spiked: https://www.spiked-online.com/     Support spiked: https://www.spiked-online.com/support/  Learn more about your ad choices. Visit megaphone.fm/adchoices

Lewis Aspinall dives straight into the fallout from Liverpool's damaging 4–1 defeat to PSV at Anfield. On this Late Night Live reaction show, he breaks down every major talking point: the tactical issues, key errors, senior players struggling for form, and the growing pressure on Arne Slot. With emotions running high and fan frustration rising, Lewis offers clear, detailed analysis of where the match was won and lost, what needs to change, and how Liverpool move forward after another painful night under the Anfield lights. Tune in for the full breakdown, honest insight and post-match reaction. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Carl Sagan's apple-pie insight becomes a launchpad for a sweeping journey from kitchens to cosmos, as Raghunath and Kaustubha explore why nothing we "create" is truly from scratch, why everything we touch is on loan, and how embracing our smallness opens the door to spiritual freedom. From the caves and rivers of Rishikesh to the wheel of saṁsāra and Lord Brahma's realization of Kṛṣṇa's supremacy, this episode dismantles the illusion of independence and invites us into a more grounded—and liberating—vision of reality. ******************************************************************** LOVE THE PODCAST? WE ARE COMMUNITY SUPPORTED AND WOULD LOVE FOR YOU TO JOIN! Go to https://www.wisdomofthesages.com WATCH ON YOUTUBE: https://youtube.com/@WisdomoftheSages LISTEN ON ITUNES: https://podcasts/apple.com/us/podcast/wisdom-of-the-sages/id1493055485 CONNECT ON FACEBOOK: https://facebook.com/wisdomofthesages108 ********************************************************************* Join Raghu's Whatsapp channel: https://whatsapp.com/channel/0029Vb704tt9WtC02KPwhc1R

Checkride prep reality check with CFII Erica Gilbert! Brian passes his instrument written ("a solid grilled cheese sandwich with slightly better ingredients than Kraft singles"), Ben confesses his multi-engine notice of disapproval after chasing the CDI below the glide slope—then passed two days later—and Erica reveals her 100% initial pass rate secrets: mock orals should be 3-4 hours of pain, Day One starts with defining PIC, and exact FAA phraseology matters on every rating. Plus: 1DullGeek's Thanksgiving rant about flying with friends (the fuel leak meow incident at Clarksburg), why "what are the next two things?" might save your check ride, and the hard truth about midlife pilots—you've forgotten how to study and haven't done anything you suck at in a long time. It's a marathon, not a sprint.Audio note: Technical difficulties with our guest's audio—it's listenable but not perfect!Erica Gilbert's check ride prep secrets:Day one: Lay out ACS, FAR/AIM—"Shocking how many students had never seen the ACS""Anyone going through training needs to be their own best advocate"Find an instructor who uses a syllabus and transitions canceled flights into ground lessonsStage checks with senior CFIs at solo, solo cross-country, and pre-check rideMock oral should be 3-4 hours (your actual oral will be 1.5 hours if you know your stuff)"You'd rather spend the money with an instructor than an evaluator"Practice active recall with exact FAA phraseology out loudPIC authority starts lesson one: "Make the plane do what you want it to do"In midlife: "You've forgotten how to study and haven't done anything you suck at in a long time"The marathon mindset: "Will we stop for lunch? Take a breather if your adrenaline can handle it"Mentioned on the Show:* Erica Gilbert, Aerosafe: https://www.gilbertaviation.com/aerosafe* Erica Gilbert, IFR course: https://www.gilbertaviation.com/ifr* Midlife Pilot Podcast- Thaden Invasion 2026: https://midlifepilotpodcast.com/thadeninvasion* Keith O'Brien, Fly Girls (includes Louis Thaden): https://bookshop.org/p/books/fly-girls-how-five-daring-women-defied-all-odds-and-made-aviation-history-keith-o-brien/8152b66cad2a720c?ean=9781328592798* Seth Lake's VBT overview: https://arflightsafety.com/VBT.html* Avoiding brianrot (New York Times): https://www.soundsclassic.com/receivers.html* Sandel displays: https://www.pacificcoastavionics.com/collections/sandel* Old Marantz stereos: https://www.soundsclassic.com/receivers.html* Rear projection TVs: https://en.wikipedia.org/wiki/Rear-projection_television* Private Pilot ACS (PDF): https://www.faa.gov/training_testing/testing/acs/private_airplane_acs_6.pdfSupport the Show:Patreon.com/MidlifePilotPodcast - Discord access, exclusive content, and check ride debriefs!MidlifePilotPodcast.com - Merch, Thaden Invasion RSVP, feedbackHappy Thanksgiving from the Midlife Pilot Podcast crew. We're thankful for every single one of you who listens, supports, and shares this journey with us.

 EXCITING NEWS! Now, you can be a Superstar for as low as just $3 a month! The Future Is Magical -New platform, new format, with a super fast new server-Easy upgrade, downgrade or cancel anytime https://www.nadiyashahsuperstars.comNEW! 4-WEEK COURSE STELLAR HEALING: UNLOCK YOUR COSMIC BLUEPRINT FOR RADIANT HEALTH & VITALITYWITH MEDICAL ASTROLOGER KIRA SUTHERLAND!MONDAYS IN JANUARY 2026SIGN UP BEFORE DEC 31ST TO CHOOSE YOUR TUITION RATE!Learn More & Sign up now at synchronicityuniversity.comAre you ready to discover the profound connection between the stars and your health? For centuries, healers have looked to the heavens for guidance on wellness, vitality, and healing. Now, renowned medical astrology expert and Australian Naturopath/Nutritionist Kira Sutherland invites you on an extraordinary journey that bridges ancient wisdom with modern application. In this transformative 4-week intensive course, you'll unlock the secrets hidden in your natal chart and discover how celestial rhythms directly influence your physical, emotional, and energetic well-being. Get ready to become the architect of your own stellar health journey!Learn More & Sign up now at synchronicityuniversity.comNEW! 2025 NOVEMBER SPEAKER SERIES!WITH A PHENOMENAL LINEUP OF THE BEST OF THE BEST!Learn More & Sign up now at synchronicityuniversity.comScheduleClass 1: Ashli Scott | Esoteric Medicine of Fall & WinterClass 2: Stephen Poplin | Fine Tuning the Birth Chart: RectificationClass 3: Sharri Keller | Cosmic Care: How to Work with Herbs Through the Lens of AstrologyClass 4: Luisa Arboleda | BaZi Astrology Made Simple: Find Your Day Master and Elemental BalanceClass 5: Geoff Gronlund | Rebel Mars Through the Signs and Houses FRENCH VANITY FAIR Top 12 astrologers on the planethttps://shorturl.at/zDqqoREFINERY29 Top 10 astrologers on YouTube  https://shorturl.at/ci5NEThank You FOR MAKING my most recent books #1 NEW RELEASE ON AMAZON ASTROLOGY BOOKS! GET MY BOOKS NOW: OF RAVENS & DRAGONFLIES: http://bit.ly/47lI24qThe Universe is Wise &Loving: https://shorturl.at/p2u2QPrayers to The Sky: https://amzn.to/38bZh6SBe Social: To interact and be in the loop on astrological happenings and inspirations... 'Like' me here: http://www.facebook.com/nadiyashahdotcomhttps://www.facebook.com/synchronicityuniversity'Follow' me here: http://twitter.com/nadiyashah'Follow' me here: http://nadiyashah.bsky.social'Follow" me here: http://instagram.com/nadiyashah http://instagram.com/nadiya_shahhttps://www.instagram.com/synchronicityuniversity/'Follow" me here: https://www.threads.net/@nadiya_shah'Follow' me here: https://www.tiktok.com/@nadiya.shahThank You for watching!*N.

How far can $1.5 million really take you in retirement? This episode reveals surprising differences in how long your savings last across the U.S., why taxes and inflation can shrink your nest egg, and how Social Security and Medicare rules impact your plans. Art McPherson breaks down the essentials of income planning, tax strategy, and keeping pace with rising costs—plus, hear real stories and practical tips for navigating retirement’s biggest financial challenges. Tune in for a candid look at what it takes to retire smart, no matter where you live. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this Security Squawk episode, Brian Horning from Xact IT is joined by guests to unpack three real ransomware incidents, the rapid rise of “The Gentlemen” gang, and how attackers bypass basic security by turning off tools like Windows Defender. You'll learn why relying only on built-in protections creates dangerous blind spots, what layered security with EDR, SOC monitoring, and log retention looks like, and the practical steps business leaders can take now to harden their defenses and reduce ransomware risk.

EVs can feel like a battlefield of headlines and hot takes, so we put the rhetoric aside and dig into what actually matters on the road: incentives, charging reality, range you can trust, and the freedom to choose what fits your life. We start with a clear-eyed look at Honda's massive EV write-down and a supplier lawsuit tied to a delayed electric pickup, then unpack how policy nudges, mandates, and market signals collide to shape buyer behavior. No cheerleading, no doom—just what's changing, what isn't, and the trade-offs drivers face today.From there, we go wheels-on-the-ground with a Texas road trip designed to push limits. Big Bend's 235-mile gap between chargers, the relief of a 460-mile electric truck, and the surprising power of simple planning all come into play. We share practical tactics to stretch range, the underrated advantage of charging overnight at RV pedestals in state parks, and the candid truth about 30-minute fast charges that can derail a tight schedule. If you value convenience, this part matters. If you love long-haul spontaneity, it matters even more.We also tackle the cultural fog around EVs. Political theater turned cars into symbols, but ownership remains personal. Data shows aversion plummets when people get hands-on time behind the wheel. For most daily drivers, home charging and lower running costs make a persuasive case. For frequent interstate travelers or time-crunched families, today's charging curve can still be a deal-breaker. That's why we keep returning to the same point: try it, measure the friction in your real routine, and decide for yourself. If an EV gives you more freedom, you'll feel it. If it doesn't, you'll know fast.If this conversation helped clarify your thinking, share it with a friend, subscribe for more straight-talk car coverage, and leave a quick review telling us your biggest EV deal-breaker or must-have. Your feedback steers future shows.Be sure to subscribe for more In Wheel Time Car Talk!---- ----- Want more In Wheel Time car talk any time? In Wheel Time is now available on Audacy! Just go to Audacy.com/InWheelTime where ever you are.----- -----Be sure to subscribe on your favorite podcast provider for the next episode of In Wheel Time Podcast and check out our live multiplatform broadcast every Saturday, 10a - 12nCT simulcasting on Audacy, YouTube, Facebook, Twitter, Twitch and InWheelTime.com.In Wheel Time Podcast can be heard on you mobile device from providers such as:Apple Podcasts, Amazon Music Podcast, Spotify, SiriusXM Podcast, iHeartRadio podcast, TuneIn + Alexa, Podcast Addict, Castro, Castbox, YouTube Podcast and more on your mobile device.Follow InWheelTime.com for the latest updates!Twitter: https://twitter.com/InWheelTimeInstagram: https://www.instagram.com/inwheeltime/https://www.youtube.com/inwheeltimehttps://www.Facebook.com/InWheelTimeFor more information about In Wheel Time Podcast, email us at info@inwheeltime.com

In this episode, we dive into the wild, emotional, expensive, absolutely addictive world of concert culture.From fans who show up three nights in a row… to couples getting engaged in the aisle… to ticket prices that make your jaw drop — we break down what's really behind the obsession.We talk fan psychology, why live music feels like a spiritual awakening, and the way a single night in an arena can change your entire life. Plus: a behind-the-scenes look at the couple who became the star of the entire section — and how their love story unfolded mid-concert.If you're a live-music junkie, a Swiftie, a country-girl concert hopper, or someone who has ever said “I'll never financially recover from this”… this episode is for you.This episode explores the intense world of modern concert culture — from multi-night superfans to aisle engagements and the skyrocketing cost of tickets. Through real stories and personal reflections, we unpack why people will spend thousands for a two-hour show, how live music creates deep emotional connections, and why concerts have become the new version of “pilgrimage culture.”It's fun, wild, heartfelt, and a full look into the community, chaos, and magic of live shows.About Brittany and Christina:Meet Brittany and Christina, your dynamic podcast hosts who bring their unique blend of expertise, passion, and life experience to every conversation.Brittany, affectionately known as Britt, mom, mommy, bruh, and Queen, lives in Vancouver with her husband and their three fantastic kids (tweens and teens, hence the playful nicknames). Together for nearly two decades, Brittany and her husband share a love for travel and adventure. A self-proclaimed endurance sport junkie, Brittany thrives on pushing herself beyond her comfort zone to unlock her full potential. As a coach, she specializes in helping clients overcome overwhelm by aligning personal goals and values with actionable steps for success. Her greatest joys come from connecting with new people and witnessing their incredible achievements.Christina Lecuyer, a former professional golfer and TV host, is recognized as one of GlobeNewswire's Top Confidence Coaches. She works with clients worldwide, including entrepreneurs, Wall Street executives, stay-at-home moms, and small business owners. Through her signature "Decision, Faith & Action" framework, Christina has guided thousands of clients in creating their own versions of fulfillment and success, often leading to thriving six- and seven-figure businesses. Her 1-on-1 coaching model focuses on mindset and strategy to build self-trust, confidence, and long-term results.Together, Brittany and Christina bring their authentic, energetic, and empowering perspectives to help listeners navigate life, achieve their goals, and embrace their fullest potential. Feeling like you want to share a hot topic you'd like us to discuss on the podcast? Send us a DM over on Instagram at @anythingbutaveragepod. Your hot topic just might make it in the next episode!

Send us a text In this week's episode of The Riley Black Project, John and Crystal share a real-life business update—talking openly about burnout, shifting gears, and keeping momentum through the slow seasons. From dealing with canceled trips during the government shutdown to landing their biggest tumbler order ever, this episode is full of truth bombs and laughs. They also dive into: ✨ How a simple print-shop contract changed their business trajectory ✨ The emotional rollercoaster of testing materials and chasing perfection ✨ Why customs can drain your energy (and what to do instead) ✨ The switch to new tools like Stan Store and lessons from Kajabi and Go Modern ✨ Why every creator and small business owner NEEDS an email list NOW ✨ Local Lens growth, landing sponsors, and the importance of community collaboration ✨ Upcoming events, markets, and how Riley Black Studios is helping local businesses shine This one's a mix of behind-the-scenes honesty, practical maker tips, and encouragement to keep pushing through—even when business feels tough. 

Hour 1--J&J Show Monday 11/24/25- Ja Morant vs. Klay Thompson. Reality check for Ja? Real talk? + Memphis Tiger Hoops blown game

We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I've followed the rules—so why doesn't my Retirement Plan feel safe?” https://www.youtube.com/live/gFQYEJWlWpI Bruce gave me the look that says, “Let's tell the truth.” Because we've seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn't. Markets don't ask permission. Inflation doesn't use a calendar. Life throws curveballs, blessings, and bills. If your Retirement Plan only survives in a spreadsheet, it's not a plan—it's a hope. Today, let's trade hope for structure and anxiety for action. What You'll Gain From This GuideYour Retirement Plan Isn't Just Math—It's LifeRetirement Planning Risks You Can't IgnoreSequence of Returns RiskInflation and the Cost-of-Living SqueezeTaxes (The Leak You Don't See)Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a GuaranteeThe Cash-Flow ToolkitFoundations — Guaranteed Income in RetirementFlexibility — Cash Value Life InsuranceDiversifiers — Alternative Income InvestmentsRetirement Plan Buckets Liquidity / “Free” Bucket (safety net)Income Bucket (essentials)Growth / Equity Bucket (long-term engine)Estate / Legacy Layer (optional)Taxes: Design for Control, Not SurpriseBehavior, Purpose, and Work You LoveInfinite Banking—Where It Fits in a Retirement PlanWhat Makes a Strong Retirement Plan?Take the Next StepBook A Strategy CallFAQWhat makes a strong retirement plan?Is the 4% rule safe for my retirement plan?How do taxes impact my retirement plan?Can whole life fit into a retirement plan?What are retirement income buckets?How can I protect my retirement from inflation?What's the role of annuities vs bonds in a retirement plan?Who qualifies as an accredited investor? What You'll Gain From This Guide In this article, Bruce and I break down what actually makes a strong Retirement Plan for real families: Why accumulation-only thinking creates a false sense of security—and how to pivot toward reliable income. The big retirement planning risks to plan for: sequence of returns risk, inflation and retirement, and taxes. Why the 4% rule retirement guideline is a starting point, not a promise. How to use retirement income buckets—in the same language we used on the show—to avoid selling at the worst time. Where guaranteed income in retirement, cash value life insurance, and (when appropriate) alternative income fit. How Roth conversions, withdrawal sequencing, and structure put you back in control. You'll walk away with a practical framework to move from “big balance” thinking to a Retirement Plan you can live on—calmly. Your Retirement Plan Isn't Just Math—It's Life Static models vs dynamic lives.As Bruce said, no family is static. Monte Carlo averages over 50–100 years don't describe your next 20. Averages hide timing risk. If poor returns arrive early while you're withdrawing, “average” performance won't save the plan—cash flow will. From accumulation to income.Most of us were trained to chase a number. But the goal of a Retirement Plan isn't a pile—it's predictable cash flow you can spend without gutting your future. That shift—from “How big?” to “How dependable?”—changes the tools you choose and the peace you feel. Use the LIFE purpose filter.We run every dollar through a purpose lens: Liquid, Income, Flexible, Estate. When each bucket has a job, decisions get simpler and outcomes get sturdier. Retirement Planning Risks You Can't Ignore Sequence of Returns Risk How Your Retirement Plan Avoids Selling Low Sequence risk is the danger of bad returns showing up early in retirement. If your portfolio drops while you're taking income, you must sell more shares to fund the same lifestyle. That shrinks the engine that's supposed to recover—and can cut years off a plan. Your protection: hold dedicated reserves and reliable income so market dips don't force sales. (We'll detail our buckets in a moment—exactly as we discussed on the show.) Inflation and the Cost-of-Living Squeeze Build Inflation Awareness Into Your Retirement Plan Prices don't rise politely. Even modest inflation, compounded, squeezes fixed withdrawals. Bond yields, dividend cuts, and rising living costs can collide. Your protection: blend growth and income that can adjust, avoid locking everything into fixed payouts that lose purchasing power, and review spending annually so your Retirement Plan keeps pace with reality. Taxes (The Leak You Don't See) Retirement Plan Tax Strategy & Withdrawal Sequencing Withdrawals from tax-deferred accounts are ordinary income. That can: Push you into higher brackets Trigger IRMAA Medicare surcharges Increase the taxation of Social Security Complicate capital gains planning Your protection: design taxable, tax-deferred, and tax-free buckets; use Roth conversions in favorable years; and sequence withdrawals to manage brackets and RMDs—not the other way around. Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a Guarantee Stress-Test Withdrawal Rates You Can Actually Live With We don't hate the 4% rule; we just refuse to outsource your life to it. Yields, inflation, fees, and timing change the math. When low-yield years pushed chatter toward “2.8%,” it proved the point. A better approach: Stress-test 3%–5% withdrawal rates. Add non-market income (pensions, annuities vs bonds, business/real-asset cash flow). Keep dedicated reserves so you don't sell at the bottom. Turn a rule of thumb into a plan. The Cash-Flow Toolkit Foundations — Guaranteed Income in Retirement Cover Essentials, Then Take Prudent Risk A predictable floor is priceless. Pensions, Social Security, and income annuities can cover core expenses so volatility doesn't dictate your grocery list. You trade some upside for contractual certainty—and many families prefer sleeping well to chasing every basis point. Flexibility — Cash Value Life Insurance Downturn Buffer, Tax-Advantaged Access, and Legacy Backfill Done properly, this can strengthen a plan: Downturn buffer: use cash value to fund spending during market slides—avoid selling equities at a loss. Tax-advantaged access: policy loans/distributions (managed correctly) can supplement income without spiking taxable income. Legacy backfill: the death benefit protects a spouse and replenishes assets for heirs, letting you spend with confidence. This is one reason infinite banking retirement thinking resonates: control and optionality matter when life isn't linear. Diversifiers — Alternative Income Investments Accredited Investor Rules, Liquidity, and Position Size For those who qualify under accredited investor rules, private credit, income-oriented real estate, or operating businesses can provide alternative income investments with lower correlation to public markets. They're not risk-free and often lack daily liquidity—so size positions prudently. The draw is simple: steadier cash flow vs accumulation. Retirement Plan Buckets We didn't frame them by time horizons on the episode; we framed them by purpose. Here's the exact structure we discussed and use with families: Liquidity / “Free” Bucket (safety net) Cash, money market, CDs, cash value life insurance.Purpose: fund spending and surprises without touching equities during a downturn; bridge timing gaps so sequence risk doesn't bite. Income Bucket (essentials) Social Security, pensions, annuity income, bond ladders, durable dividend payers.Purpose: dependable monthly cash flow for core lifestyle needs so markets don't control your paycheck. Growth / Equity Bucket (long-term engine) Broad equity exposure and other long-term growth assets.Purpose: outpace inflation and periodically refill income/liquidity buckets. Estate / Legacy Layer (optional) Life insurance death benefit, beneficiary designations, trusts.Purpose: protect a spouse and pass values + capital with clarity. Taxes: Design for Control, Not Surprise Roth conversions:Convert slices of tax-deferred money when brackets are favorable to grow your tax-free bucket. Withdrawal sequencing:Blend taxable/Roth/tax-deferred withdrawals to target bracket thresholds, manage IRMAA, and soften RMDs later. Give with intention:If charitable, consider appreciated assets or bunching strategies; align with your estate plan. We also coordinate tax buckets—taxable, tax-deferred, and tax-free (Roth/cash value)—so your Retirement Plan controls brackets, IRMAA, and RMDs rather than the other way around. A tax-smart Retirement Plan can add years of sustainability without asking for more market risk. Behavior, Purpose, and Work You Love Clarity about why the money matters anchors behavior when markets wobble. Travel with grandkids? Fund ministry? Launch a family venture? Purpose steadies the hand. And one more lever: if you enjoy your work, consider delaying full retirement. Each extra year can improve the math dramatically—more contributions, fewer withdrawal years, and potentially higher Social Security benefits. Infinite Banking—Where It Fits in a Retirement Plan Lenders profit from your lifetime financing. Strengthening your family's “bank” can keep more control in your hands: Finance major purchases through your system rather than outside lenders—recapture more interest. Maintain cash value as a volatility buffer. Use the death benefit to protect a spouse and fund legacy goals. It's not magic. It's discipline and design—complementary to the rest of your Retirement Plan. What Makes a Strong Retirement Plan? Built for dynamic lives, not static spreadsheets. Prioritizes cash flow you can spend, not just a big balance. Plans around sequence risk, inflation, and taxes—on purpose.

Send us a textIn this Thanksgiving episode of The State of Energy, Tom Clark and Rand DeWitt dive into the holiday spirit with propane-powered turkey tips, the dangers of deep-fryer disasters, and the surprising performance of propane air fryers. Then the guys turn up the heat on national energy policy, breaking down New York's gas ban suspension, Colorado's problematic water-heater mandate, and the rising cost of electricity. They also highlight the latest propane rebates for homeowners, builders, farmers, and fleets—including Montana's generous 25% vehicle incentive. It's the perfect blend of humor, holiday talk, and hard-hitting energy insight. 

Doctor Kay and Doctor Ray spill the mental health tea on reality TV with their third and final installment of Real Housewives of Salt Lake City (RHOSLC) Season 6 recap! They finish assigning their 8 AWARDS to scenes and castmates from episodes 8-9! For example, awards like They were the WorsTEST of Friends and TESTosterboned (Dr. Kay's pride & joy: the most patriarchal award) are doled out. What moments or castmates would you have given those awards to?  As our listeners know, all award titles have TEST in them, as this is Reality TEST, after all! Themes include stuffed animals, mean girls, & girls' girl confrontations. Reality Check! Where Dr.s Kay & Ray discuss psychological studies of interest to you–or, at least, to them! :) This week, they discuss studies about gender essentialism on reality TV and slam poetry, in the wake of Andrea Gibson's documentary being released!What do you think: Do you think there is gender essentialism on the United States' Queer Eye for the Straight Guy?o-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=OListeners! Come visit the Patreon for free at⁠⁠⁠⁠⁠ ⁠patreon.com/RealityTest⁠⁠⁠⁠⁠⁠ (or search on Patreon with “@RealityTest”) & check out some of the benefits of a free membership (early access to the audio episodes!) & the paid tier! For only a MEASLY $5/month, you get the bonus features, including Mental Health Check-Up episodes, the VIDEO episodes, the full audio episode archive, and bonus & behind-the-scenes video content!The first 10 paying members will get shoutouts on the pod & 5 randomly selected members will get a free year of membership after joining! What are you waiting for? Come watch our video episodes, & join us in learning a little something about psych & mental health from our examinations of your favorite reality TV shows, castmates, and tea! O=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-oReality testing is when we check an emotion or thought we're having against objective reality. So, here in Reality Test, we're going to be testing the thoughts, emotions, interactions, and producer antics of reality television against what we know, as licensed psychologists, about objective reality. Come with us, let's Reality Test!Hosts: Dr. Kay & Dr. RayThank you to our sound extraordinaire, Connor!Patreon: patreon.com/RealityTestLinkt.ree/@RealityTestInstagram: @realitytestpodcastTikTok: @realitytestpodYouTube Channel: @realitytestpodFacebook Page: Reality Test PodEmail: realitycheckpodding@gmail.comDr. Kay: @drkaypods (Insta) & @dr.realitv (TikTok)Dr. Ray: @drraypods (Insta)O=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-o

This week we're digging into some handy new tech tricks and a few places where you might want to pump the brakes. We talk about Google letting you AirDrop between iPhone and Pixel 10, what's really changing with AppleTV plans at T-Mobile, and Apple's limited-edition accessory that's already creating buzz. But we also take a smart look at digital driver's licenses in Apple Wallet and why handing over your unlocked phone to police or government officials may expose far more than you intend. Sometimes the old-fashioned plastic card is still the safest bet. Plus, we highlight simple ways to recycle your old gadgets for good, a handful of tech deals you really shouldn't skip, and of course — the latest top picks in streaming to round out your week.

 EXCITING NEWS! Now, you can be a Superstar for as low as just $3 a month! The Future Is Magical -New platform, new format, with a super fast new server-Easy upgrade, downgrade or cancel anytime https://www.nadiyashahsuperstars.comNEW! 4-WEEK COURSE STELLAR HEALING: UNLOCK YOUR COSMIC BLUEPRINT FOR RADIANT HEALTH & VITALITYWITH MEDICAL ASTROLOGER KIRA SUTHERLAND!MONDAYS IN JANUARY 2026SIGN UP BEFORE DEC 31ST TO CHOOSE YOUR TUITION RATE!Learn More & Sign up now at synchronicityuniversity.comAre you ready to discover the profound connection between the stars and your health? For centuries, healers have looked to the heavens for guidance on wellness, vitality, and healing. Now, renowned medical astrology expert and Australian Naturopath/Nutritionist Kira Sutherland invites you on an extraordinary journey that bridges ancient wisdom with modern application. In this transformative 4-week intensive course, you'll unlock the secrets hidden in your natal chart and discover how celestial rhythms directly influence your physical, emotional, and energetic well-being. Get ready to become the architect of your own stellar health journey!Learn More & Sign up now at synchronicityuniversity.comNEW! 2025 NOVEMBER SPEAKER SERIES!WITH A PHENOMENAL LINEUP OF THE BEST OF THE BEST!Learn More & Sign up now at synchronicityuniversity.comScheduleClass 1: Ashli Scott | Esoteric Medicine of Fall & WinterClass 2: Stephen Poplin | Fine Tuning the Birth Chart: RectificationClass 3: Sharri Keller | Cosmic Care: How to Work with Herbs Through the Lens of AstrologyClass 4: Luisa Arboleda | BaZi Astrology Made Simple: Find Your Day Master and Elemental BalanceClass 5: Geoff Gronlund | Rebel Mars Through the Signs and Houses FRENCH VANITY FAIR Top 12 astrologers on the planethttps://shorturl.at/zDqqoREFINERY29 Top 10 astrologers on YouTube  https://shorturl.at/ci5NEThank You FOR MAKING my most recent books #1 NEW RELEASE ON AMAZON ASTROLOGY BOOKS! GET MY BOOKS NOW: OF RAVENS & DRAGONFLIES: http://bit.ly/47lI24qThe Universe is Wise &Loving: https://shorturl.at/p2u2QPrayers to The Sky: https://amzn.to/38bZh6SBe Social: To interact and be in the loop on astrological happenings and inspirations... 'Like' me here: http://www.facebook.com/nadiyashahdotcomhttps://www.facebook.com/synchronicityuniversity'Follow' me here: http://twitter.com/nadiyashah'Follow' me here: http://nadiyashah.bsky.social'Follow" me here: http://instagram.com/nadiyashah http://instagram.com/nadiya_shahhttps://www.instagram.com/synchronicityuniversity/'Follow" me here: https://www.threads.net/@nadiya_shah'Follow' me here: https://www.tiktok.com/@nadiya.shahThank You for watching!*N.

Your All-Access Pass to the Marching Arts.This week, Ricardo and Trish welcome two standout guests: Kenai Central High School Band Director Christian Stefanos (@akbanddirector) — whose band traveled from Alaska to BOA Grand Nationals — and TikTok creator & performer Taylor Greatbatch (@greatbatchofcookies).Christian breaks down what it took to build a marching band from scratch, fundraise across a state the size of a continent, and take a small-town Alaska program onto the national stage in Indianapolis. Taylor shares what it's like teaching in one of Kentucky's lowest-income districts, why BOA experiences matter for rural kids, and how marching band shaped their entire career across theater and performance.Then the whole panel dives into a packed NEWS segment featuring:• BOA Grand Nationals Finals breakdown• DCI 2025 schedule• HBCU Band of the Year finalists• 2025 Dunkin' Thanksgiving Parade bands• 2025 Macy's Thanksgiving Day Parade lineupChristian takes on the 60-Second Tech Block with “How to Build a Marching Band From the Ground Up.” Taylor unleashes a viral-worthy rant about Broadway-level marching band shows (“I should not have to have a PhD to understand your marching band show, girl!”), and Ricardo drops a scorched-earth message to the Avon haters who have been trashing kids online after BOA Finals.The episode closes with a heartfelt Gush & Go, including:• The Spartans preparing for the Macy's Parade• Christian's students getting national love• Ricardo's district-wide arts expos inspiring the next generation• Kentucky band programs celebrating major milestonesHosts:Ricardo Robinson-Shinall (@ricardorrobinson)Trish O'Shea (@trishdish1002)Guests:Christian Stefanos — Kenai Central High School Band (@akbanddirector)Taylor Greatbatch (@greatbatchofcookies)Presented by: Guard Closet — gear, education & design for the marching arts Peak Group Travel (@peak.group.travel) — group travel done rightIf you're not listening to On A Water Break… what are you even doing?

In this episode of On The Ball, Ric Bucher breaks down LeBron James' long-awaited season debut—and why the box score doesn't tell the truth about how the 40-year-old superstar actually looked against the Utah Jazz. Bucher digs deep into what LeBron's return means for the Lakers' chemistry, the Luka-LeBron power shift, and why L.A.'s defensive issues may only get tougher to solve.Ric also revisits his assessment of Anthony Davis, revealing how AD's early-career reputation, his time alongside LeBron, and his disappointing arrival in Dallas all add up to a harsh but honest conclusion: AD is not the franchise cornerstone many believed he could be. From conditioning concerns to effort questions, Bucher details why the Mavericks may already be ready to move on.Additional themes include: • The strategic way LeBron chose his comeback moment • How Austin Reaves and Marcus Smart's roles shift with LeBron back • Why the Lakers' starting lineup could repeatedly dig early holes • The true value of LeBron's leadership—and its limits at age 40 • How AD's upbringing, mentality, and playing style shaped who he is now • Why the “LeBron Effect” made AD look like a different player in L.A.Ric also previews upcoming episodes, teases his third book—on the value of being coachable—and highlights his other United WeCast Network shows, Finding The Seams and Fullcourt Passport.For authentic NBA insight you won't hear anywhere else, On The Ball delivers.#NBA #LeBronJames #Lakers #AnthonyDavis #LukaDoncic #Mavericks #NBAPodcast #RicBucher #UnitedWeCast #SportsAnalysis #BasketballDiscussion #NBA2025Support this show http://supporter.acast.com/bucher-and-friends. Hosted on Acast. See acast.com/privacy for more information.

Nate Tice & Matt Harmon do an NFL reality check with 4 NFL trends they know they know & 4 they think they know. The duo start off with a Monday Night Football recap, as the Dallas Cowboys impressed in their beatdown of the Las Vegas Raiders to the point where Nate believes they're on track to be contenders in 2026.Next, Nate & Matt give 4 NFL trends they're absolutely sure of at this point of the season, as Matt chastises the Atlanta Falcons for giving away a top-ten pick to a Super Bowl contender and praises the Chicago Bears for making a home-run hire in Ben Johnson, while Nate is positive the Seattle Seahawks are still a serious contender and that the Detroit Lions defense is elite.Later, the two hosts give 4 more NFL trends that they think they know but aren't quite sure of yet. Matt thinks the AFC playoffs will look different than normal this year and that the Green Bay Packers might not have it in them this season, while Nate thinks the Kansas City Chiefs still belong as the AFC favorites and that Cam Ward is going to be A-OK.(3:00) - Cowboys stomp Raiders on MNF(19:00) - Falcons messed up big time(31:05) - Seahawks are still contenders(37:00) - Ben Johnson was a home-run hire(46:45) - Lions defense is elite(54:00) - AFC playoff may look different this year(1:02:10) - Chiefs should be AFC favorites(1:13:45) - May not be the Packers' year(1:18:25) - Cam Ward is going to be fineSubscribe to Football 301 on your favorite podcast app:

Ron Simmons discusses the government shutdown with Rep. Craig Goldman (R-Texas), who says Democrats already voted for an identical bill earlier this year. He also promotes a bill that would ensure that Congress is not paid during a government shutdown. Ron weighs in on the results of elections in Virginia, New Jersey, and New York City, pointing out a key statistic that Republicans can use to their advantage in the 2026 midterms. Finally, Ron answers some viewer questions on faith, family, finance, and how to raise the next Allie Beth Stuckey. Email your questions to Ron at ⁠ron@ronsimmons.com⁠. Buy Allie's book "Toxic Empathy: How Progressives Exploit Christian Compassion": ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.toxicempathy.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- Timecodes: (00:00) Intro (02:30) Welcoming Rep. Craig Goldman (08:20) Government Shutdown Update (21:40) Recent 2025 Elections (33:45) A Silver Lining (42:25) Q&A (55:30) Wisdom from the Wagon --- Today's Sponsors: Good Ranchers — Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GoodRanchers.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and subscribe to any of their boxes (but preferably the Allie Beth Stuckey Box) to get free Waygu burgers, hot dogs, bacon, or chicken wings in every box for life. Plus, you'll get $40 off when you use code ALLIE at checkout. We Heart Nutrition — Get 20% off women's vitamins with We Heart Nutrition, and get your first bottle of their new supplement, Wholesome Balance; use code ALLIE at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.WeHeartNutrition.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Seven Weeks Coffee — Save up to 25% with promo code 'ALLIE' & get up to four FREE gifts this Christmas season: ⁠ http://www.sevenweekscoffee.com/⁠ A'del — Try A'del's hand-crafted, artisan, small-batch cosmetics and use promo code ALLIE 25% off your first time purchase at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://⁠⁠⁠⁠AdelNaturalCosmetics.com⁠⁠ Fellowship Home Loans — Fellowship Home Loans is a mortgage lending company that offers home financing solutions while integrating Christian values such as honesty, integrity, and stewardship. Go to ⁠⁠⁠⁠⁠https://fellowshiphomeloans.com/allie⁠⁠⁠⁠⁠ to get up to $500 credit towards closing costs when you finance with Fellowship Home Loans. --- Episodes you might like: Ep 1259 | Deporting Danger: Why Leftists Hate ICE | Ron Simmons https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000733757063 Ep 1253 | Israel-Hamas Conflict Is Coming to an End | Ron Simmons https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000731686257 Ep 1244 | Charlie Kirk Memorial Inspires Great Revival, 'Christian Nationalism' Panic from Media | Ron Simmons https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000727939134 --- Buy Allie's book "You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love": ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://alliebethstuckey.com/book⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   Relatable merchandise – use promo code 'ALLIE10' for a discount: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.blazemedia.com/collections/allie-stuckey⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices