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Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Lawrence Phillips. Purpose of the Interview To showcase Lawrence Phillips’ entrepreneurial journey from engineering to founding Green Book Global, a travel review platform for Black travelers. To highlight the significance of Black Ambition, an initiative by Pharrell Williams supporting Black and Brown entrepreneurs. To inspire listeners about resilience, innovation, and the importance of culturally inclusive travel resources. Key Takeaways Background & Career Shift Phillips studied Electrical Engineering at Georgia Tech and worked at Accenture in IT consulting for nearly a decade. Despite career success, he felt unfulfilled and decided to pursue his passion for travel, leading to the creation of Green Book Global. Travel Experience Traveled to 30+ countries across all seven continents, including Antarctica, in less than a year. Realized the need for a platform addressing “traveling while Black” concerns—safety, cultural acceptance, and inclusivity. Green Book Global Inspired by the historical Green Book (1936–1966), which guided Black travelers during segregation. Offers city-level Black-friendly scores, road trip planners, and Black-owned restaurant recommendations. Over 150,000 app downloads in 2025; partnered with Expedia; strong social media presence. Black Ambition Program Phillips applied three times before reaching semifinals, emphasizing persistence. Program provided funding opportunities and a transformative Evoke Wellness experience. His personal “why” statement:“I’m a protective and innovative steward of Black restoration and healing.” Impact & Vision Advocates systemic change by partnering with destinations to improve inclusivity. Highlights the economic power of Black travelers (over $140 billion annually). Encourages Black travelers to explore global opportunities beyond U.S. racial constraints. Notable Quotes “You can be successful and still not be happy.” — On leaving a lucrative career for passion. “I’m a protective and innovative steward of Black restoration and healing.” — His guiding principle. “There’s riches in niches.” — On unapologetically focusing on Black travelers. “Just because somebody said no doesn’t mean they said no to you—they said no at that time.” — On persistence in entrepreneurship. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Lawrence Phillips. Purpose of the Interview To showcase Lawrence Phillips’ entrepreneurial journey from engineering to founding Green Book Global, a travel review platform for Black travelers. To highlight the significance of Black Ambition, an initiative by Pharrell Williams supporting Black and Brown entrepreneurs. To inspire listeners about resilience, innovation, and the importance of culturally inclusive travel resources. Key Takeaways Background & Career Shift Phillips studied Electrical Engineering at Georgia Tech and worked at Accenture in IT consulting for nearly a decade. Despite career success, he felt unfulfilled and decided to pursue his passion for travel, leading to the creation of Green Book Global. Travel Experience Traveled to 30+ countries across all seven continents, including Antarctica, in less than a year. Realized the need for a platform addressing “traveling while Black” concerns—safety, cultural acceptance, and inclusivity. Green Book Global Inspired by the historical Green Book (1936–1966), which guided Black travelers during segregation. Offers city-level Black-friendly scores, road trip planners, and Black-owned restaurant recommendations. Over 150,000 app downloads in 2025; partnered with Expedia; strong social media presence. Black Ambition Program Phillips applied three times before reaching semifinals, emphasizing persistence. Program provided funding opportunities and a transformative Evoke Wellness experience. His personal “why” statement:“I’m a protective and innovative steward of Black restoration and healing.” Impact & Vision Advocates systemic change by partnering with destinations to improve inclusivity. Highlights the economic power of Black travelers (over $140 billion annually). Encourages Black travelers to explore global opportunities beyond U.S. racial constraints. Notable Quotes “You can be successful and still not be happy.” — On leaving a lucrative career for passion. “I’m a protective and innovative steward of Black restoration and healing.” — His guiding principle. “There’s riches in niches.” — On unapologetically focusing on Black travelers. “Just because somebody said no doesn’t mean they said no to you—they said no at that time.” — On persistence in entrepreneurship. #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Lawrence Phillips. Purpose of the Interview To showcase Lawrence Phillips’ entrepreneurial journey from engineering to founding Green Book Global, a travel review platform for Black travelers. To highlight the significance of Black Ambition, an initiative by Pharrell Williams supporting Black and Brown entrepreneurs. To inspire listeners about resilience, innovation, and the importance of culturally inclusive travel resources. Key Takeaways Background & Career Shift Phillips studied Electrical Engineering at Georgia Tech and worked at Accenture in IT consulting for nearly a decade. Despite career success, he felt unfulfilled and decided to pursue his passion for travel, leading to the creation of Green Book Global. Travel Experience Traveled to 30+ countries across all seven continents, including Antarctica, in less than a year. Realized the need for a platform addressing “traveling while Black” concerns—safety, cultural acceptance, and inclusivity. Green Book Global Inspired by the historical Green Book (1936–1966), which guided Black travelers during segregation. Offers city-level Black-friendly scores, road trip planners, and Black-owned restaurant recommendations. Over 150,000 app downloads in 2025; partnered with Expedia; strong social media presence. Black Ambition Program Phillips applied three times before reaching semifinals, emphasizing persistence. Program provided funding opportunities and a transformative Evoke Wellness experience. His personal “why” statement:“I’m a protective and innovative steward of Black restoration and healing.” Impact & Vision Advocates systemic change by partnering with destinations to improve inclusivity. Highlights the economic power of Black travelers (over $140 billion annually). Encourages Black travelers to explore global opportunities beyond U.S. racial constraints. Notable Quotes “You can be successful and still not be happy.” — On leaving a lucrative career for passion. “I’m a protective and innovative steward of Black restoration and healing.” — His guiding principle. “There’s riches in niches.” — On unapologetically focusing on Black travelers. “Just because somebody said no doesn’t mean they said no to you—they said no at that time.” — On persistence in entrepreneurship. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Daniel shares how breaking food addiction, finding clarity, and rebuilding discipline transformed his life through mindset, faith, and a meat‑focused lifestyle.Need help on your health journey? Sign up for a $39 Intro Coaching Call with one of our Kiltz Health Certified Coaches: https://calendly.com/d/cxdf-5ft-z2k/k...Sign up now and join the Kiltz Mighty Tribe – Dr. Kiltz's Free Keto and Carnivore Community! https://kiltz-mighty-tribe.mn.co/ Dr. Robert Kiltz is a double board‑certified OB/GYN and Reproductive Endocrinologist, and the founder of CNY Fertility—one of the most accessible and respected fertility centers in the world. He specializes in IVF, reproductive immunology, minimally invasive surgery, and advanced reproductive technologies, and he continues to actively practice medicine while leading a global community focused on metabolic health and fertility. As the creator of The Kiltz Method and founder of Kiltz Health and The Mighty Tribe, he is recognized for integrating nutrition, mindset, and ancestral healing principles into modern medical care. Dr. Kiltz trained at USC, UC Davis, UCLA and completed a fellowship in Reproductive Endocrinology and Infertility at Harbor‑UCLA.Disclaimer: Dr. Kiltz does not promote or encourage the use of any substances, treatments, or practices that are not recognized as safe or effective by established medical authorities. The information in this video is for general educational purposes only and is not intended to replace medical advice from your personal healthcare provider. It should not be used to diagnose, treat, cure, or prevent any disease. Always consult a licensed medical professional before making changes to your diet, medications, or health practices. Do not ignore or delay seeking professional advice because of the content shared here. This material reflects general knowledge and is not a substitute for individualized medical guidance.

Welcome back to the Homeward podcast.  I this week's episode, I'm sharing what's been coming up for me surrounding fear, how my LITERAL worst nightmare came true, and what it taught me in the process. Plus, I share why doing it our way and centering joy + authenticity is the only way forward.  I can't wait for you to listen. Links Mentioned:  Take The Personal Money Codes Quiz: amberlilyestrom.com/moneyquiz Subscribe over on Substack Join my signature biz building program Homeward Tag me in your big shifts + takeaways: @amberlilyestrom Did you hear something you loved here today?! Leave a Review + Subscribe via iTunes  

Something To Think About Series #339 Thought of the day from Venerable Robina Courtin

What if success isn't about pushing harder but allowing yourself to be pulled toward your purpose? In this episode, Seth Streeter shares how he helps people navigate major life transitions and discover their inspired life purpose as co-founder of Mission Wealth, a wealth management firm he started 25 years ago that now manages $14 billion in assets for 4,600 families across 34 US locations. Seth has been a financial advisor for 34 years, specializing in guiding clients through major life events while helping them live more fulfilling lives through assessments across 12 dimensions of wealth. After going through divorce and the financial crisis, Seth realized he was achieving traditional success but wasn't fulfilled, leading him to spend an introspective year attending retreats, meditating, and traveling to India. In the last eight years, Seth has led purpose-driven retreats for over 2,000 people, including nine-day retreats in Bhutan where leaders trek in the Himalayas and stay with monks. Seth spoke at Davos with Deepak Chopra on conscious leadership and leads the purpose community for YPO. Seth reveals the relationship that transformed his life: Joe Bosco, owner of an Italian restaurant in Fort Collins, Colorado where Seth worked as a dishwasher through high school. When Seth was looking at colleges and his parents wanted him to attend Colorado State, Joe Bosco said "you should check out Santa Barbara, California" because he went there for horse shows. Seth had never heard of Santa Barbara but applied to UCSB because of Joe Bosco and spent 27 years there, founding Mission Wealth, having his children, serving on 10 nonprofit boards, starting sustainable future.org, and doing a TED Talk, all because Joe Bosco suggested he check out UC Santa Barbara. Seth also credits Chip Conley, founder of MEA, as a mentor who showed him how to move from his head to his heart.   [00:03:40] Led Two Nine-Day Purpose Retreats in Bhutan In Asia for most of the trip Had 25 leaders in each group trekking in Himalayas Stayed overnight at monasteries, lived with monks Contemplated purpose individually, within companies, within world at large [00:04:40] Mission Wealth: 25 Years and $14 Billion Co-founded Mission Wealth 25 years ago Independent registered investment advisory firm 34 locations across US, manages just under $14 billion in assets About 4,600 families, team of 200 advisors and professionals [00:05:20] Started Leading Retreats Eight Years Ago In last eight years started leading retreats and coaching For different companies, leaders, different groups of people Takes paid time off to do it, spends vacations leading retreats About 2,000 people have gone through in-person programs [00:06:00] The 13 Inches From Head to Heart Great quote: "furthest distance many travel in lifetime are 13 inches from head to heart" As financial guy, had heart in what he did, loved helping people solve problems This work feels more intimate, more meaningful Really helping people give themselves permission to be best version of who they want to be [00:08:00] Started in Financial Services Right Out of College Right out of college, needed a job Was in student government at UC Santa Barbara, thought he'd be entrepreneur Dad was in government, mom was teacher, brother was police officer Family said "you need a job with benefits, security, and paycheck" [00:09:00] Went Through His Own Tough Journey Went through divorce, financial crisis, bumps in life Realized success script needed to be rewritten Was working hard but wasn't fulfilled, wasn't content Achieving success in traditional way materially but didn't feel fulfilled [00:09:20] The Introspective Year That Changed Everything Decided to do whole introspective year Went to retreats, read self-help books, listened to podcasts Got into meditation, went to India, did all these "woo" things That year opened up whole new framework for living [00:10:20] Push Energy vs Pull Energy As entrepreneur, had lot of push energy: building vision, growing team, charging hill Used that in Ironman, marathons, running nonprofits After personal reflection, started to adopt pull energy approach More of allowance, trusting doors close and open for reason [00:11:20] Speaking at Davos With Deepak Chopra Was asked to speak at panel in Malibu with five people Woman from Finland asked if he'd been to Davos, offered to get him in Three months before event, confirmed: Thursday with Deepak Chopra on Conscious Leadership in Era of AI Couldn't have pushed way into that opportunity, was being open and available [00:14:40] 12 Dimensions of Wealth Talk about wealth not just in financial sense but across 12 dimensions Impact families are having, quality of relationships, physical health, intellectual growth Seeing families grow true wealth feels very rewarding Lead purpose community for all of YPO [00:15:00] The Success Script and Grind Mentality Lot of people followed success script, did what they were taught Worked hard in school, career, moved through ranks or started company Rinsed and repeated grind mentality to get ahead Now 40, 50, or 60 saying "is this all there is?" [00:17:00] Woman Going Through Divorce Woman in mid-50s going through divorce Two daughters just graduated high school, going to East Coast for college Husband ended 30-year marriage right at same time From financial standpoint she was fine, but really struggling with identity [00:18:00] Converting Husband's Office Into Studio She loved working with single women's nonprofits, domestic shelters Also loved skincare, always did facials for daughters Helped her convert former husband's office into studio Became licensed aesthetician, did facials for women in community including free ones for women through tough times [00:19:20] The Inspired Life Purpose Exercise Had someone at retreat who was CEO, just exited food tech company in New York Did exercise called Your Inspired Life Purpose Four circles: innate gifts, skills, passion, what world needs most Look at how those four circles intersect [00:20:00] Paul's Life Manifesto CEO named Paul came up with amazing idea during exercise Went to room that night, wrote his life manifesto Next morning: "I was up most of the night, I now have life manifesto" Wanted to change food systems of North America leveraging technology [00:20:40] Started a Blog, Got Recruited by Patagonia Paul decided to start blog writing about his vision Just couple months later, recruiter read one of his blog posts Interviewed for new position Became head of Patagonia's Food Provision Company [00:24:00] Invested Heavily in Relationships Since High School Always had lunch meetings 12 to 1, five days a week at same restaurant Would book with clients, teammates, or people in community City council members, students, nonprofit leaders, business leaders Every single day asking: who is this person, what makes them tick, how can I support them? [00:25:00] Working at Italian Restaurant in Fort Collins Worked at Italian restaurant through high school to pay bills Was bus boy, dishwasher, had all the jobs Owner was Joe Bosco, owned restaurant in Fort Collins and one in Casper, Wyoming Was thinking about colleges, parents would pay for Colorado State [00:25:40] "You Should Check Out Santa Barbara" Wanted to do something different, applied to UCLA and Berkeley Joe Bosco said "you should check out Santa Barbara, California, they have university there" Used to go there for horse shows Had never even heard of Santa Barbara at the time [00:26:00] Chose UCSB Because of Joe Bosco Applied to UCSB, packet looked amazing, university on coast Ended up choosing UCSB as his university because of Joe Bosco Spent 27 years in Santa Barbara, half of his adult life Founded company there, had children there, on 10 nonprofit boards [00:31:00] Meeting Ashley Brilliant Mom was sixth grade teacher, had cartoons called Pot Shots by Ashley Brilliant in classroom Going through tough time in Santa Barbara, Ashley's cartoons spoke to him three days in row Wrote thank you note to Mr. Brilliant He replied, met for lunch at Chinese restaurant [00:32:00] The Fortune Cookie Message After meal, got fortune cookies Ashley's note said: "Finally, the answer you've been looking for is sitting across from you" Seth's said: "If at first it's a no, it may become a maybe" Decided to help Ashley start building business around his cartoons [00:34:40] Service Trip to Honduras Took son on service trip to Honduras, worked at orphanage Security guard had wooden leg, very archaic piece of wood with hinge 34 years old, probably made $2 a day, couldn't get new leg Decided to get him a leg [00:35:40] Getting Him a $10,000 Leg Took almost a year but got friend who was Paralympic athlete involved Got him fancy $10,000 leg that was molded and fit for him Had to get it down there strategically because shipping would mean it gets stolen He sent FaceTime video: first time he'd been able to slow dance with wife since car accident 10 years prior   KEY QUOTES "A lot of people followed the success script, worked hard in school and career, rinsed and repeated this grind mentality. Now they're 40, 50, or 60 saying 'is this all there is? I now have success, but there's a creative in me that hasn't been out to play.'" - Seth Streeter "The furthest distance many of us travel in our lifetimes are the 13 inches from our head to our heart. This work feels more intimate and meaningful because it's really helping people give themselves permission to be the best version of who they want to be." - Seth Streeter "I had a lot of push energy as an entrepreneur. But I started to adopt a pull energy approach, more of an allowance, trusting that when a door closes it closes for a reason, when it opens for a reason. I was being pulled to where I was supposed to be." - Seth Streeter CONNECT WITH SETH STREETER 

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Focus: God's people were waiting for things to change. They looked forward to a leader who would rescue them from their oppressors and lead them with strength into an era of peace and honor. The realized prophecy was not what they expected. Some would embrace and follow Jesus, and others would reject the change from what they expected. Micah 5:2-5

Today I take you back to when I found crossfit and first felt like I could compete in the sport, and how 16 years later that dream will be realized in Kansas City later this year

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Shelby Williams.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Shelby Williams.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Shelby Williams.

When we realized we're retired from the club, free hotel breakfasts are getting more rare, a recap of Sad-Song-A-Palooza, and a Nancy Guthrie updateSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

My performance in yesterday's Super Clash was about delivering for my team. The presence of Otto Addo and the technical team had no influence. I only realized after the game that they had come to support me. - Benjamin Asare, Black Stars and Hearts of Oak goalkeeper.

"Things I Realized On Finding an Alien in the Passenger Seat of My Car" by Aaron DaMommioManawaker Patreon: https://patreon.com/manawaker/Manawaker store: https://payhip.com/ManawakerManawaker Discord: https://discord.gg/zjzA2pY9f9More info / Contact CB Droege: https://cbdroege.taplink.wsThe Flash Fiction Podcast Theme Song is by Kevin McCleodThe Producer, Editor, and Narrator of the podcast is CB DroegeBio for this weeks author: Aaron DaMommio is a husband, father, writer, and juggler who came to Austin, Texas for college and never left. During the day he tries to make the world of software tools safe for a team of technical writers. DaMommio has been published in Metaphorosis Magazine and Daily Science Fiction. For info on DaMommio and his writing see http://aarondamommio.blogspot.com.

In this episode, I'm joined by Mandy Mooney — author, corporate communicator, and performer — for a wide-ranging conversation about mentorship, career growth, and how to show up authentically in both work and life.   We talk about her path from performing arts to corporate communications, and how those early experiences shaped the way she approaches relationships, leadership, and personal authenticity. That foundation carries through to her current role as VP of Internal Communications, where she focuses on building connections and fostering resilience across teams.   We explore the three pillars of career success Mandy highlights in her book Corporating: Three Ways to Win at Work — relationships, reputation, and resilience — and how they guide her approach to scaling mentorship and helping others grow. Mandy shares practical strategies for balancing professional responsibilities with personal passions, and why embracing technology thoughtfully can enhance, not replace, human connection.   The conversation also touches on parenting, building independence in children, and the lessons she's learned about optimism, preparation, and persistence — both in the workplace and at home.   If you're interested in scaling mentorship, developing your career with intention, or navigating work with authenticity, this episode is for you. And if you want to hear more on these topics, catch Mandy speaking at Snafu Conference 2026 on March 5th. 00:00 Start 02:26 Teaching Self-Belief and Independence Robin notes Mandy has young kids and a diverse career (performing arts → VP of a name-brand company → writing books). Robin asks: "What are the skills that you want your children to develop, to stay resilient in the world and the world of work that they're gonna grow up in?" Emphasis on meta-skills. Mandy's response: Core skills She loves the question, didn't expect it, finds it a "thrilling ride." Observes Robin tends to "put things out there before they exist" (e.g., talking about having children before actually having them). Skill 1: Envisioning possibilities "Envision the end, believe that it will happen and it is much more likely to happen." Teaching children to see limitless possibilities if they believe in them. Skill 2: Independence Examples: brushing their own hair, putting on clothes, asking strangers questions. One daughter in Girl Scouts: learning sales skills by approaching strangers to sell cookies. Independence builds confidence and problem-solving abilities for small and big life challenges. Skill 3: Self-belief / Self-worth Tied to independence. Helps children navigate life and career successfully. Robin asks about teaching self-belief Context: Mandy's kids are 6 and 9 years old (two girls). Mandy's approach to teaching self-belief Combination of: Words Mandy uses when speaking to them. Words encouraged for the children to use about themselves. Example of shifting praise from appearance to effort/creativity: Instead of "You look so pretty today" → "Wow, I love the creativity that you put into your outfit." Reason: "The voice that I use, the words that I choose, they're gonna receive that and internalize it." Corrective, supportive language when children doubt themselves: Example: Child says, "I'm so stupid, I can't figure out this math problem." Mandy responds: "Oh wow. That's something that we can figure out together. And the good news is I know that you are so smart and that you can figure this out, so let's work together to figure it out." Asking reflective questions to understand their inner thoughts: Example: "What's it like to be you? What's it like to be inside your head?" Child's response: "Well, you worry a lot," which Mandy found telling and insightful. Emphasizes coming from a place of curiosity to check in on a child's self-worth and self-identity journey. 04:30 Professional Journey and Role of VP of Internal Comms Robin sets up the question about professional development Notes Mandy has mentored lots of people. Wants to understand: Mandy's role as VP of Internal Communications (what that means). How she supports others professionally. How her own professional growth has been supported. Context: Robin just finished a workshop for professionals on selling themselves, asking for promotions, and stepping forward in their careers. Emphasizes that she doesn't consider herself an expert but learns from conversations with experienced people like Mandy. Mandy explains her role and path Career path has been "a winding road." Did not study internal communications; discovered it later. Finds her job fun, though sometimes stressful: "I often think I might have the most fun job in the world. I mean, it, it can be stressful and it can't, you know, there are days where you wanna bang your head against the wall, but by and large, I love my job. It is so fun." Internal communications responsibility: Translate company strategy into something employees understand and are excited about. Example: Translate business plan for 2026 to 2,800 employees. Team's work includes: Internal emails. PowerPoints for global town halls. Speaking points for leaders. Infusing fun into company culture via intranet stories (culture, customers, innovation). Quick turnaround on timely stories (example: employee running seven marathons on seven continents; story created within 24 hours). Storytelling and theater skills are key: Coaching leaders for presentations: hand gestures, voice projection, camera presence. Mandy notes shared theater background with Robin: "You and I are both thespian, so we come from theater backgrounds." Robin summarizes role Sounds like a mix of HR and sales: supporting employee development while "selling" them on the company. Mandy elaborates on impact and mentorship Loves making a difference in employees' lives by giving information and support. Works closely with HR (Human Resources) to: Provide learning and development opportunities. Give feedback. Help managers improve. Wrote a book to guide navigating internal careers and relationships. Mentorship importance: Mentors help accelerate careers in any organization. Mandy's career journey Started studying apparel merchandising at Indiana University (with Kelley School of Business minor). Shifted from pre-med → theater → journalism → apparel merchandising. Took full advantage of career fairs and recruiter networking at Kelley School of Business. "The way that I've gotten jobs is not through applying online, it's through knowing somebody, through having a relationship." First role at Gap Inc.: rotational Retail Management Training Program (RMP). Some roles enjoyable, some less so; realized she loved the company even if some jobs weren't ideal. Mentor influence: Met Bobby Stillton, president of Gap Foundation, who inspired her with work empowering women and girls. Took a 15-minute conversation with Bobby and got an entry-level communications role. Career growth happened through mentorship, internal networking, and alignment with company she loved. Advice for her daughters (Robin's question) Flash-forward perspective: post-college or early career. How to start a career in corporate / large organizations: Increase "luck surface area" (exposure to opportunities). Network in a savvy way. Ask at the right times. Build influence to get ahead. Mentorship and internal relationships are key, not just applying for jobs online. 12:15 Career Advice and Building Relationships Initial advice: "Well first I would say always call your mom. Ask for advice. I'm right here, honey, anytime." Three keys to success: Relationships Expand your network. "You say yes to everything, especially early in your career." Examples: sit in on meetings, observe special projects, help behind the scenes. Benefits: Increases credibility. Shows people you can do anything. Reputation Build a reputation as confident, qualified, and capable. Online presence: Example: LinkedIn profile—professional, up-to-date, connected to network. Be a sponsor/advocate for your company (school, office, etc.). Monthly posts suggested: team photos, events, showing responsibility and trust. Offline reputation: Deliver results better than expected. "Deliver on the things that you said you were gonna do and do a better job than people expected of you." Resilience Not taught from books—learned through experience. Build resilience through preparation, not "fake it till you make it." Preparation includes: practicing presentations, thinking through narratives, blocking time before/after to collect thoughts and connect with people. "Preparation is my headline … that's part of what creates resilience." Mandy turns the question to Robin: "I wanna ask you too, I mean, Robin, you, you live and breathe this every day too. What do you think are the keys to success?" Robin agrees with preparation as key. Value of service work: Suggests working in service (food, hospitality) teaches humility. "I've never met somebody I think even ever in my life who is super entitled and profoundly ungrateful, who has worked a service job for any length of time." Robin's personal experience with service work: First business: selling pumpkins at Robin's Pumpkin Patch (age 5). Key formative experience: running Robin's Cafe (2016, opened with no restaurant experience, on three weeks' notice). Ran the cafe for 3 years, sold it on Craigslist. Served multiple stakeholders: nonprofit, staff (~15 employees), investors ($40,000 raised from family/friends). Trial by fire: unprepared first days—no full menu, no recipes, huge rush events. Concept of MI Plus: "Everything in its place" as preparation principle. Connecting service experience to corporate storytelling: Current business: Zandr Media (videos, corporate storytelling). Preparation is critical: Know who's where, what will be captured, and what the final asset looks like. Limited fixes in post-production, even with AI tools. Reinforces importance of preparation through repeated experience. Advice for future children / young people: Robin would encourage service jobs for kids for months or a year. Teaches: Sleep management, personal presentation, confidence, energy. "Deciding that I'm going to show up professionally … well … energetically." Emphasizes relentless optimism: positivity is a superpower. Experience shows contrast between being prepared and unprepared—learning from both is crucial. 16:36 The Importance of Service Jobs and Resilience Service jobs as formative experience: Worked as a waitress early in her career (teenager). Describes it as "the hardest job of my life". Challenges included: Remembering orders (memory). Constant multitasking. Dealing with different personalities and attitudes. Maintaining positivity and optimism through long shifts (e.g., nine-hour shifts). Fully agrees with Robin: service jobs teach humility and preparation. Optimism as a superpower: "I totally agree too that optimism is a superpower. I think optimism is my superpower." Writes about this concept in her book. Believes everyone has at least one superpower, and successful careers involve identifying and leaning into that superpower. Robin asks about the book Why did Mandy write the book? Inspiration behind the book? Also wants a deep dive into the writing process for her own interest. Mandy's inspiration and purpose of the book Title: "Corporating: Three Ways to Win At Work" Primary goal: Scale mentorship. Realized as she reached VP level, people wanted career advice. Increased visibility through: Position as VP. Connection with alma mater (Indiana University). Active presence on LinkedIn. Result: Many young professionals seeking mentorship. Challenge: Not sustainable to mentor individually. Solution: Writing a book allows her to scale mentorship without minimizing impact. Secondary goals / personal motivations: Acts as a form of "corporate therapy": Reflects on first 10 years of her career. Acknowledges both successes and stumbles. Helps process trials and tribulations. Provides perspective and gratitude for lessons learned. Fun aspect: as a writer, enjoyed formatting and condensing experiences into a digestible form for readers. Legacy and contribution: "I had something that I could contribute meaningfully to the world … as part of my own legacy … I do wanna leave this world feeling like I contributed something positive. So this is one of my marks."   21:37 Writing a Book and Creative Pursuits Robin asks Mandy about the writing process: "What's writing been like for you? Just the, the process of distilling your thinking into something permanent." Mandy: Writing process and finding the "25th hour" Loves writing: "I love writing, so the writing has been first and foremost fun." Where she wrote the book: Mostly from the passenger seat of her car. She's a working mom and didn't have traditional writing time. Advice from mentor Gary Magenta: "Mandy, you're gonna have to find the 25th hour." She found that "25th hour" in her car. Practical examples: During birthday party drop-offs: "Oh good. It's a drop off party. Bye. Bye, honey. See you in two hours. I'll be in the driveway. In my car. If you need anything, please don't need anything." Would write for 1.5–2 hours. During Girl Scouts, swim, any activity. On airplanes: Finished the book on an eight-hour flight back from Germany. It was her 40th birthday (June 28). "Okay, I did it." Realization moment: "You chip away at it enough that you realize, oh, I have a book." Robin: On parents and prioritization Parents told him: "When you have kids, you just find a way." Children create: Stricter prioritization. A necessary forcing function. Mandy's self-reflection: "I believe that I am an inherently lazy person, to be totally honest with you." But she's driven by deadlines and deliverables. Kids eliminate "lazy days": No more slow Saturdays watching Netflix. "They get up. You get up, you have to feed these people like there's a human relying on you." Motherhood forces motivation: "My inherent laziness has been completely wiped away the past nine years." Writing happened in small windows of time. Importance of creative outlet: Having something for yourself fuels the rest of life. Examples: writing, crocheting, quilting, music. Creativity energizes other areas of life. Robin mentions The 4-Hour Workweek by Tim Ferriss. Advice from that book: Have something outside your day job that fuels you. For Robin: Physical practice (gym, handstands, gymnastics, ballet, capoeira, surfing). It's a place to: Celebrate. Feel progress. Win, even if work is struggling. Example: If tickets aren't selling. If newsletter flops. If client relationships are hard. Physical training becomes the "anchor win." Mandy's writing took over two years. Why? She got distracted writing a musical version of the book. There is now: "Corporating: The Book" "Corporating: The Musical" Three songs produced online. Collaboration with composer Eric Chaney. Inspiration from book: Time, Talent, Energy (recommended by former boss Sarah Miran). Concept: we have limited time, talent, and energy. Advice: Follow your energy when possible. If you're flowing creatively, go with it (unless there's an urgent deadline). You'll produce better work. She believes: The book is better because she created the musical. Musical helps during speaking engagements. Sometimes she sings during talks. Why music? Attention spans are short. Not just Gen Z — everyone is distracted. Music keeps people engaged. "I'm not just gonna tell you about the three ways to win at work. I'm gonna sing it for you too." Robin on capturing attention If you can hold attention of: Five-year-olds. Thirteen-year-olds. You can hold anyone's attention. Shares story: In Alabama filming for Department of Education. Interviewed Alabama Teacher of the Year (Katie). She has taught for 20 years (kindergarten through older students). Observed: High enthusiasm. High energy. Willingness to be ridiculous to capture attention. Key insight: Engagement requires energy and presence. 28:37 The Power of Music in Capturing Attention Mandy's part of a group called Mic Drop Workshop. Led by Lindsay (last name unclear in transcript) and Jess Tro. They meet once a month. Each session focuses on improving a different performance skill. The session she describes focused on facial expressions. Exercise they did: Tell a story with monotone voice and no facial expressions. Tell the story "over the top clown like, go really big, something that feels so ridiculous." Tell it the way you normally would. Result: Her group had four people. "Every single one of us liked number two better than one or three." Why version two worked best: When people are emotive and expressive: It's more fun to watch. It's more entertaining. It's more engaging. Connection to kids and storytelling: Think of how you tell stories to five-year-olds: Whisper. Get loud. Get soft. Use dynamic shifts. The same applies on stage. Musical integration: Music is another tool for keeping attention. Helps maintain engagement in a distracted world. Robin: Hiring for energy and presence Talks about hiring his colleague Zach Fish. Technical producer for: Responsive Conference. Snafu Conference. Freelancer Robin works with often. Why Robin hires Zach: Yes, he's technically excellent. But more importantly: "He's a ball of positive energy and delight and super capable and confident, but also just pleasant to be with." Robin's hiring insight: If he has a choice, he chooses Zach. Why? "I feel better." Energy and presence influence hiring decisions. Zach's background: Teaches weekly acrobatics classes for kids in Berkeley. He's used to engaging audiences. That translates into professional presence. Robin: Energy is learnable When thinking about: Who to hire. Who to promote. Who to give opportunities to. Traits that matter: Enthusiasm. Positivity. Big energy. Being "over the top" when needed. Important insight: This isn't necessarily a God-given gift. It can be learned. Like music or performance. Like anything else. 31:00 The Importance of Positive Work Relationships Mandy reflects on: The tension between loud voices and quiet voices. "Oftentimes the person who is the loudest is the one who gets to talk the most, but the person who's the quietest is the one who maybe has the best ideas." Core question: How do you exist in a world where both of those things are true? Parenting lens: One daughter is quieter than the other. Important to: Encourage authenticity. Teach the skill of using your voice loudly when needed. It's not about changing personality. It's about equipping someone to advocate for themselves when necessary Book is targeted at: Students about to enter the corporate world. Early-career professionals. Intentional writing decision: Exactly 100 pages. Purpose: "To the point, practical advice." Holds attention. Digestible. Designed for distracted readers. Emotional honesty: Excited but nervous to reconnect with students. Acknowledges: The world has changed. It's been a while since she was in college. Advice she's trying to live: Know your audience Core principle: "Get to know your audience. Like really get in there and figure out who they are." Pre-book launch tour purpose: Visiting universities (including her alma mater). Observing students. Understanding: Their learning environment. Their day-to-day experiences. The world they're stepping into. Communication principle: Knowing your audience is essential in communications. Also essential in career-building. If you have a vision of where you want to go: "Try to find a way to get there before you're there." Tactics: Meet people in those roles. Shake their hands. Have coffee. Sit in those seats. Walk those halls. See how it feels. Idea: Test the future before committing to it. Reduce uncertainty through proximity. What if you don't have a vision? Robin pushes back thoughtfully: What about people who: Don't know what they want to do? Aren't sure about staying at a company? Aren't sure about career vs. business vs. stay-at-home parent? Acknowledges: There's abundance in the world. Attention is fragmented. Implied tension: How do you move forward without clarity? 35:13 Mentorship and Career Guidance How to help someone figure out what's next Start with questions, not answers A mentor's primary job: ask questions from a place of curiosity Especially when someone is struggling with what they want to do or their career direction Key questions: What brings you joy? What gives you energy? What's the dream? Imagine retirement — what does that look like? Example: A financial advisor made Mandy and her husband define retirement vision; then work backwards (condo in New Zealand, annual family vacations) Clarify what actually matters Distinguish life priorities: Security → corporate job; Teamwork → corporate environment; Variety and daily interaction → specific roles Mentoring becomes a checklist: Joy, strengths, lifestyle, financial expectations, work environment preferences Then make connections: Introduce them to people in relevant environments, encourage informational interviews You don't know what you don't know Trial and error is inevitable Build network intentionally: Shadow people, observe, talk to parents' friends, friends of friends Even experienced professionals have untapped opportunities Stay curious and do the legwork Mixing personal and professional identity Confidence to bring personal interests into corporate work comes from strategy plus luck Example: Prologis 2021, senior leaders joked about forming a band; Mandy spoke up, became lead singer CEO took interest after first performance, supported book launch She didn't always feel this way Early corporate years: Feel like a "corporate robot," worrying about jargon, meetings, email etiquette, blending in Book explores blending in while standing out Advice for bringing full self to work Don't hide it, but don't force it; weave into casual conversation Find advocates: Amazing bosses vs terrible ones, learn from both Mentorship shaped her framework: Relationships, reputation, and resilience Resilience and rejection Theater as rejection bootcamp: Auditions, constant rejection Foundations of resilience: Surround yourself with supportive people, develop intrinsic self-worth, know you are worthy Creating conditions for success Age 11 audition story: Last-minute opportunity, director asked her to sing, she sang and got the part Why it worked: Connections (aunt in play), parent support, director willing to take a chance, she showed up Resilience is not just toughing it out: Have support systems, build self-worth, seek opportunity, create favorable conditions, step forward when luck opens a door 44:18 Overcoming Rejection and Building Resilience First show experiences Robin's first stage production is uncertain; she had to think carefully At 17, walked into a gymnastics gym after being a cross country runner for ten years, burnt out from running Cold-called gyms from the Yellow Pages; most rejected her for adult classes, one offered adult classes twice a week That led to juggling, circus, fencing, capa, rock climbing — a "Cambrian explosion" of movement opportunities About a year and a half later, walked into a ballet studio in corduroy and a button-up, no ballet shoes; first ballet teacher was Eric Skinner at Reed College, surrounded by former professional ballerinas First internal college production was his first show; ten years later performed as an acrobat with the San Francisco Opera in 2013, six acrobats among 200 people on stage, four-hour shows with multiple costume changes and backflips Relationship to AI and the evolving world of work Mandy never asks her daughters "What do you want to be?" because jobs today may not exist in the future Focus on interests: plants, how things are built, areas of curiosity for future generations Coaching her team: Highly capable, competent, invested in tools and technology for digital signage, webinars, emails, data-driven insights, videos Approach AI with cautious optimism: Adopt early, embrace technology, use it to enhance work rather than replace it Example: Uses a bot for scheduling efficiency, brainstorming; enhances job performance by integrating AI from day one Advice: Approach AI with curiosity, not fear; embrace tools to be smarter and more efficient, stay ahead in careers 53:05 Where to Find Mandy Mandy will be speaking at Snafu Conference on March 5, discussing rejection and overcoming it. Author and speaking information: mandymooney.com LinkedIn: Mandy Mooney Music available under her real name, Mandy Mooney, on streaming platforms.  

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Send us a Text Message! Don't forgot to tell us who you are.Season 8Episode 1The New Earth Realized: Team Humanity On this episode of The Sacred Donut Podcast, we explore the idea of New Earth -- what does that mean? How do we get there? In the Higher understanding we are ALL ONE. But our day to day lives, our lower self, our negative beliefs and negative karma keep us separated, keep us heavy hearted. In this episode, the podcast crew explores what is New Earth, who is going, and the possible steps to help you get there, if that is what you chose.  Buzzsprout - Let's get your podcast launched! Start for FREESupport the showCreator: Nataline R. CruzProducer/Engineer: Tío Theresa M. SanchezExecutive Administrator : Mariah Cruz-Nanio MenjivarGraphic Designer: Tanya Tenorio-RashaadMusic: Luis T. Castro @luisk1912

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Some stories don't announce themselves as paranormal at first. They unfold quietly, years before anyone realizes something was wrong.This account begins at birth, when a child enters the world without a pulse—declared dead, until he suddenly isn't. Doctors expect complications that never come. Life moves on. Or at least it seems to.Years later, before dawn, the child follows his grandfather outside into thick fog. A brief conversation takes place. A warning is given. Moments later, everything changes.Because when the child returns inside, his grandparents insist something impossible: no one ever went outside. No one was there.#RealGhostStoriesOnline #ParanormalPodcast #TrueGhostStories #NearDeathExperience #UnexplainedEncounters #ChildhoodMystery #GlitchInReality #AfterlifeStories #ListenerStories Love real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

1:15 - We make fun of the poster for this show while we get ready to start the discussion.4:00 - DISCUSSION - “Alien: Earth” (1 season)34:00 - We go on video eventually to discuss what would make a better Alien story and why Fox is so bad at making them.-----Executive Producers: Conner Dempsey • Dustin WeldonTheme Music by Dustin WeldonProduced & Engineered by Conner DempseyPowered by Zoom, QuickTime, Adobe Audition, & Adobe Premiere ProSpecial Thanks to Anchor FM (or “Spotify for Podcasters”, whatever)FOR ENTERTAINMENT PURPOSES ONLY. This is critique, protected under Fair Use.I DO NOT OWN THIS CONTENT. CONTENT IS IN THE PUBLIC DOMAIN.Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

Friendships don't end… They just stop texting back. In this episode we're back with a continuation of a conversation that clearly wasn't done. We talk about adult friendships, dating, relationships, ego, honesty, divorce, and why everyone's “busy” but somehow still scrolling for two hours a night. Life hits fast. Careers, kids, businesses, responsibilities — and before you know it, your circle goes from a whole crew to like… two fools and a group chat that hasn't been active since 2019. This episode gets real and dumb (as usual). We talk about: • Why adult friendships don't officially end — they just fade out • Feeling like a bad friend even when you're just trying to survive life • Ego, pride, and why some friendships never recover • The moment honesty from a friend hurts… but also saves you • Divorce, accountability, and choosing peace over being right • Dating as an adult (and as a parent) with zero time and too many opinions • Being in love with the idea of love instead of the actual person • Validation vs. truth (and why we secretly prefer validation) There's laughter. There's uncomfortable honesty. There's probably a moment where someone should've kept their mouth shut — but didn't. If you've ever: • Lost touch with people you swore would always be around • Felt weird reaching out after “too much time” passed • Tried dating as an adult and immediately needed a nap • Realized growth sometimes costs relationships Yeah… this one's for you.

The Moment You Realized Ya Ain't Young Anymore by Maine's Coast 93.1

Short King Problem, Belly Buttons and When You Realized Ya Ain't Young Anymore- Full Show 02-04-26 by Maine's Coast 93.1

 - Tried for a home birth, midwives missed that my baby was breech, had an unplanned c-section- Incredible breastfeeding journey (SO thankful) that continues today, my daughter turned 2 - Realized when I was re-entering work and society that there was a major lack of nursing-access clothing that didn't *look* like nursingwear, I hated the chest zippers and extra flaps because I felt like they were obvious and distracting. - We prioritize natural fibers as a family, based on the research coming out of places like NIH and Mt. Sinai that connect synthetic fabrics with hormone disruption- Decided to build my own fashion brand that combined hormone-safe fabrics with nursing access dressesI'm the founder of Hone, hormone-safe apparel for postpartum moms in the nursing stage. FIND HER HERE:wearhone.comhttps://www.instagram.com/wear.hone/https://www.instagram.com/toni.toomey/PODCAST: https://www.instagram.com/thepostpartumstandard/

Witches & Warlocks brace yourselves. The reversal has paid off. Zak and crew go to a mansion in LA filled with mystery, cursed old ladies, and horny spirits. Join us as we commit to an anti-bit and also laugh until we cry as we discuss Ghost Adventures Season 30, Episode 11: Manor of Malice)

[General Content Warning]Does our past define us? Agusta Borden grew up without encouragement, resources, and attention. Divorce, neglect, and various kinds of abuse left her lonely by default, no matter who she was with. In this heartfelt one-on-one, Agusta tells Jan how she climbed out of the darkest headspace imaginable by listening to a true friend and holding on to one healthy outlet at a time.If you or someone you know is experiencing emotional distress or suicidal ideation, please access the resources below:National Suicide and Crisis Lifeline: Call/Text 988National Sexual Assault Hotline  (RAINN) : 1-800-656-HOPE (4673)National Alliance for Mental Illness: 1-800-950-6264Subscribe / Support / Contact:

There's a business season that doesn't get talked about enough; the one where growth stops feeling exciting and starts feeling heavy. It's a different phase from when you are the only person and you are tired from being overwhelmed. Here, you're no longer doing everything yourself. What you have running are systems, training, and leadership, but these feel harder than any work you have ever done. This episode is grounded in what that season looked like inside my own business, because it's a phase so many owners experience but rarely name out loud. I walk through what was really happening for me during that stretch; the mental exhaustion of training and delegation, my nervous system constantly on edge, and what understanding the neuroscience behind growth helped me finally see. I also share a turning-point conversation with a long-time client that forced me to choose: keep being the value in my business, or start building it into the business itself.   If you're building a team, feeling the weight of growth, or questioning why this phase feels so uncomfortable, I hope this episode helps you make sense that this season isn't a mistake.   WHAT YOU'LL LEARN FROM THIS EPISODE: Why growth often feels worse before it feels better Why training is harder than just doing the work yourself The difference between clients who want outcomes and clients who want access How to advocate for your team instead of rescuing situations   RESOURCES:   Apply for Private Coaching: www.rethinkhomeinteriors.com/privatecoachingapp Enroll in Staging Business School Accelerate Track: www.rethinkhomeinteriors.com/accelerate Join the Staging Business School Growth Track Waitlist: www.rethinkhomeinteriors.com/growth Follow the Staging Business School on Instagram: www.instagram.com/stagingbusinessschool Follow Lori on Instagram: www.instagram.com/rethinkhome If you want to learn how to streamline your operations so you can grow with less stress and burnout in your staging business, enrollment is open for Staging Business School Accelerate Track. I'd love to see you in the classroom!   ENJOY THE SHOW? Leave a 5-star review on Apple Podcasts so that more Staging CEOs find it. Also, include links to your socials so that more Staging CEOs can find you. Follow over on Spotify, Stitcher, Amazon Music, or Audible

What if the thing standing between you and healing isn't more information—but ownership?In this deeply vulnerable Friday episode, Dr. Danielle shares the moment everything shifted: the realization that no one was coming to save her health, her body, or her life. Through personal story, faith, and hard-earned truth, she unpacks what radical responsibility really means—and why it's not about shame, blame, or hustle, but about ownership, boundaries, and surrender.If you've been exhausted, stuck in cycles of self-sabotage, waiting for motivation, or hoping someone else will fix what feels broken, this conversation is for you. This is where faith meets physiology, healing meets identity, and real transformation begins—not with perfection, but with one honest decision.This episode isn't a teaching—it's a turning point.SERVICES & MEMBERSHIPS:Blood Sugar ExplorersAdventurerSubstackCoffee Cafe Registration$7 Mentorship: How to Fix Your Energy, Cravings, and Mood in Just One DayWork With Dr. DanielleFoundational PackageComprehensive PackageFREE RESOURCES:

My Cheating Wife's Secret Transfer Said '$480K & He Won't Notice'—She Realized Her Mistake Too LateBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2026-true-cheating-stories-podcast--5689182/support.

My Cheating Wife's Secret Transfer Said '$480K & He Won't Notice'—She Realized Her Mistake Too LateBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2026-true-cheating-stories-podcast--5689182/support.

There are moments when illness doesn't just affect the body — it quietly changes the way we relate to ourselves. In this episode, Connie shares the moment she realized she wasn't failing at healing — she was living against herself. Not because she lacked discipline, intelligence, or effort, but because she was trying to survive inside systems that couldn't see her whole. This is not a story about blame or fixing. It's a story about misalignment, self-abandonment, and the subtle ways capable people learn to distrust their own signals when answers don't come. 2:00 – Living Between Health and Illness 2:25 – The Day I Realized I Was Living Against Myself 3:32 – High-Functioning While Falling Apart 4:58 – When Medicine Has No Answers, Self-Blame Begins 5:43 – Editing Your Intuition & Self-Abandonment 6:55 – Misalignment vs Resilience (The Hidden Cost) 8:42 – Effort Is Not Safety 10:29 – The Real Damage Isn't the Illness 15:54 – You Don't Need to Try Harder — You Need a Map If you've ever: • done everything "right" and still felt off • blamed yourself when things didn't resolve • stayed functional while quietly disconnecting from your body • felt strong on the outside and misaligned on the inside This episode will likely feel uncomfortably familiar — and deeply relieving. This podcast is part of EASE OS™, a system for human coherence. Not optimization. Not bypassing. But learning how to live as a whole human again. Be sure to subscribe to our podcast and YouTube channel so you never miss an episode of the EASE OS: Less Effort, More Power! We release new episodes every week. Click here to subscribe to our podcast on iTunes: Apple Podcast: EASE OS™: Less Effort, More Power Click here to subscribe to our podcast on Spotify: Spotify: EASE OS™: Less Effort, More Power And if you liked this message, please leave us a review on iTunes!. Be sure to follow Dr. Connie on Instagram and Tiktok! Instagram: @drconniecheung  TikTok: @drconniecheung_ LinkedIn: Dr. Connie Cheung

What if hearing God speak to you in the last row of a church saved you from losing everything? In this episode, James Brown shares how he helps professional service business owners scale their businesses without sacrificing their lives through Business Accelerator Institute and Perseverance Squared. After launching his first business in 1994 and rapidly expanding to $8M in annual revenue, James transitioned to coaching in 2014 and has now guided over 450 business owners to significant growth. He launched Small Law Firm University, growing it to $3 million in revenue within a year, and developed a CMO program generating an additional $2 million annually. James holds a Business degree from Lindenwood University (1989) and JD from St. Louis University (1993). In 2009, he was selected as one of America's Top 20 Premier Experts and featured in USA Today, The Wall Street Journal, and Newsweek. James believes all businesses have the same seven working parts, and the only difference is what they sell. James reveals three relationships that transformed him: his wife Sherry, whom he's known since age three when they met in her mom's beauty salon, who believed in him when everyone else said he couldn't achieve his dreams and stood by him through 41 years including his darkest moments; his mentor Darrell Castle, a Memphis-based lawyer who taught him to reject the "cookie cutter" approach and build a business on his own terms, showing him that all businesses share seven working parts regardless of what they sell; and God, whom he encountered in March 2015 after hitting rock bottom (drinking excessively, making terrible choices, nearly losing everything) when a random stranger invited him to church where he heard God speak to him in the last row as the only white person in an all-Black congregation, completely transforming his perspective and leading him to sell his law firm to help other business owners build lives of purpose.   [00:04:20] What James Does at Business Accelerator Institute Helps owners of professional service businesses scale predictably and profitably Focuses on building businesses that serve owners, not the other way around Has helped over 450 business owners achieve this transformation [00:05:20] The Defining Moment with His Wife Second year in business, struggling financially, client asked for refund Wife said: "At the end of the day, you do what's right and everything else will follow" That statement still resonates 30 years later and drives his mission to help more people [00:07:20] How Clients Find Him Primarily word of mouth and brand touches through Interview Valet (on 40 podcasts this year) Results speak for themselves without traditional marketing Recent client: 69-year-old Alabama lawyer practicing 50 years, never broke $500K, just hit $1M this year [00:11:00] The Unorthodox Path to Success Known wife Sherry since age three, met in her mom's beauty salon Parents married at 16, kicked James out at 19 when he announced marriage Told his whole childhood he was "too heavy" to do things, couldn't play sports Made varsity football first year as junior, played four years (nobody in family graduated college) [00:12:40] Working His Way Through Law School Got job at General Motors assembly line, 6 AM to 2:30 PM, went to school 4 PM to 11 PM for 10 years Right before graduating law school, GM announced plant closure Sent out 300 resumes, got zero responses with three kids (ages 5, 2, and 1) Forced to start business by necessity, not by choice [00:14:00] Meeting Mentor Darrell Castle Lawyers conditioned that marketing is "beneath them" Darrell taught him to look at business differently, be different Showed him all businesses have same seven working parts (only difference is what they sell) Set up business around not working past 4:30 PM from day one [00:15:40] Building the $8M Law Practice First rule: Business open till 7 PM and Saturdays, but James wasn't there Hired people and built systems so business ran without him Grew to $8 million annually with offices in four different states [00:16:40] The Dark Years: Getting Too Big for His Britches Started making bad choices despite success (never drank until his 40s) First drink was Irish car bomb followed by 10 kamikaze shots Started spending money on wrong things, went to strip clubs, cheated on wife Wife and him separated, she went on cruise with daughter [00:18:20] The Divine Encounter That Changed Everything March 2015: Drunk at wine bar, random stranger invited him to church next morning Went to that church by himself Sunday morning, sat in last row Only white person in all-Black church, heard God speak to him Never saw that stranger again (believes he was an angel) [00:19:40] The Wake-Up Call Wife told him: "God gives you hints, and if you don't listen, at some point He's going to slap you across the face" Nearly lost everything (wife, business, all going downhill) That March 2015 moment was most influential person: God Decided to sell law firm and start helping other business owners [00:20:20] The Leap of Faith Worked for another company making $330,000 a year coaching business owners 2018: At conference in Jacksonville, told them he was leaving, called wife from airport Goal: Get nine private clients in 60 days to replace income (took nine days) First year did just under $1 million in business [00:22:40] The Catalyst Moments After coaching calls, often sits there thinking "who was that guy?" Works with business owners from $250K to $100M annually Stopped questioning who he is to coach $100M business owners Been blessed with certain gifts and has faith they will continue [00:24:00] The Lesson of Not Labeling Setbacks Example: Payroll in two days is $15K, only $1K in operating account Freaking out keeps you from being creative and finding solutions Takes everything as exactly as it's meant to be and learns from it [00:27:40] The Live Event Revelation $10M, $50M, $100M business owners at tables with under-$500K owners Big business owners worried they wouldn't learn from "smaller" ones $50M and $100M owners took just as many notes (smaller businesses still nimble and innovative) Realized everyone can gain something from each other regardless of revenue size [00:30:00] When Is Enough, Enough? Just turned 60, my wife asked "when is enough, enough?" The Mastermind member asked: "What's your goal?" Answer: "To help people" "How many people on the planet? Are you ever gonna run out of people to help?" Never gonna run out (also volunteers through Red Cross deploying to disasters) [00:32:00] Building Business Accelerator Institute Can only work with so many people one-on-one before hitting bandwidth Goal: Give business owners Harvard-level business degree without Harvard-level dollars Over 55 four-week courses addressing all seven parts of business $249/month, includes two-hour open office hours every Wednesday [00:35:00] Final Wisdom: You're the Average of the Five Don't pay attention to what other people say, surround yourself with people who inspire you "You're the average of the five people you hang out with the most—and it's true" Example: Son played goalie since age 5, adapted performance to level of teammates around him Hang around like-minded individuals who inspire you to go where you want to go   KEY QUOTES "At the end of the day, you do what's right and everything else will follow." - Sherry Brown "All businesses have the same seven working parts. Literally the only thing that's different is what we sell. The concept of running a very successful business and scaling it is simple. I'm very intentional with that word. I'm never gonna say it's easy, but the concept is simple." - James Brown CONNECT WITH JAMES BROWN 

What happens when you come face to face with death and are forced to make a choice?Ethan sits down with Jamie to unpack a raw, deeply personal story about sobriety, self-worth, and survival. Jamie opens up about being a highly functioning alcoholic, the quiet rationalizations that kept her drinking, and the medical crisis that nearly took her life. What followed was a moment of clarity that changed everything and led to a commitment she could not ignore. This conversation is honest, emotional, and unfiltered, exploring pain, meaning, and the power of choosing to stay.For more reflections like this, subscribe to Ethan's newsletter here:https://ethansuplee.substack.com/subscribeSHOW HIGHLIGHTS00:00 Wired Headphones and Small Talk00:26 Jamie's Journey to Sobriety01:31 High-Functioning Alcoholism Explained03:13 The Illusion of Control05:54 Drinking as Medication06:07 The Question of Rock Bottom09:03 Dating, Anxiety, and Drinking Before the Date10:38 Accidentally Sober in a Snowstorm15:10 Withdrawal, Denial, and Pushing Through18:03 Severe Appendicitis and Ignored Pain21:44 Facing Death in the Operating Room25:54 “Do You Want to Stay or Go?”29:43 Surviving Against the Odds31:18 Choosing to Stay Alive36:26 Power, Perspective, and Agency41:30 Self-Kindness as a Practice47:24 Meaning, Suffering, and Choice53:57 Toxic Positivity vs Real Empathy58:04 Sobriety, Growth, and Closing Reflections Hosted on Acast. See acast.com/privacy for more information.

Are you waiting for your spiritual life to suddenly feel "abundant," or are you actively growing into it?In this message from November 23, 2025, Pastor Charlie Grimes opens 2 Peter 1:3-11 to show us that a fruitful life in Jesus isn't something we wait for—it's something we cultivate.In "The Abundant Life Realized," you will discover:The Divine Power: How God has already given us everything we need for life and godliness.The Apple Tree Illustration: Using the lifecycle of a tree to understand how faith must root, branch out, and bear fruit.The Sequence of Discipleship: A step-by-step look at verses 5-7 (faith, virtue, knowledge, self-control, perseverance, godliness, brotherly kindness, and love) and how these traits build upon one another.If you want to move from spiritual stagnation to a flourishing, fruitful walk with Christ, this message will encourage you to "make every effort" to grow in your faith.Connect with Us: If this message blessed you, please LIKE this podcast and SUBSCRIBE to the channel for more Biblical teaching and encouragement.We'd love to hear from you: Which step in the "sequence of discipleship" do you feel God is calling you to focus on right now? Let us know in the comments!#2Peter #AbundantLife #SpiritualGrowth #Discipleship #ChristianSermon #PastorCharlieGrimes #Faith #Fruitfulness #BibleStudy #ChristianLiving

This is a recording of a Viewer Questions livestream from Youtube. With Jocelyne, Jade, Caroline & Corey in this live stream. In this stream we primality discuss viewers dating and relationship questions. But we also talk about how to improve your life, financial help and world events. If you enjoy lively conversation and want your questions answered in real time, click on this link to watch upcoming live streams and be part of the conversation: https://www.youtube.com/@CoachCoreyWayne/streams 

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Shelby Williams.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Shelby Williams.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Shelby Williams.

Welcome back to Snafu with Robin P. Zander. In this episode, I'm doing something a little different: I step into the guest seat for a conversation with one of my good friends, Andrew Bartlow, recorded for the People Leader Accelerator podcast alongside Jessica Yuen. We dive into storytelling, identity, and leadership — exploring how personal experiences shape professional influence. The conversation begins with a reflection on family and culture, from the Moroccan textiles behind me, made by my mother, to the influence of my father's environmental consulting work. These threads of personal history frame my lifelong fascination with storytelling, persuasion, and coalition-building. Andrew and Jessica guide the discussion through how storytelling intersects with professional growth. We cover how early experiences — like watching Lawrence of Arabia at a birthday sleepover — sparked curiosity about adventure, influence, and human connection, and how these interests evolved into a career focused on organizational storytelling and leadership. We explore practical frameworks, including my four-part story model (Setup → Change → Turning → Resolution) and the power of "twists" to create momentum and memorability. The episode also touches on authentic messaging, the role of vulnerability in leadership, and why practicing storytelling in everyday life—outside high-stakes moments—builds confidence and executive presence over time. Listeners will hear lessons from a lifetime of diverse experiences: running a café in the Mission District, collaborating with BJ Fogg on behavioral change, building Zander Media, and applying storytelling to align teams and organizations. We also discuss how authenticity and personal perspective remain a competitive advantage in an age of AI-generated content. If you're curious about how storytelling, practice, and presence intersect with leadership, persuasion, and influence, this episode is for you. And for more insights on human connection, organizational alignment, and the future of work, check out Snafu, my weekly newsletter on sales, persuasion, and storytelling here, and Responsive Conference, where we explore leadership, work, and organizational design here. Start (0:00) Storytelling & Identity Robin introduces Moroccan textiles behind him Made by his mother, longtime practicing artist Connects to Moroccan fiancée → double meaning of personal and cultural Reflection on family influence Father: environmental consulting firm Mother: artist Robin sees himself between their careers Early Fascination with Storytelling Childhood obsession with Morocco and Lawrence of Arabia Watched 4-hour movie at age 6–7 Fascinated by adventure, camels, storytelling, persuasion Early exposure shaped appreciation for coalition-building and influence Identity & Names Jess shares preference for "Jess" → casual familiarity Robin shares professional identity as "Xander" Highlights fluidity between personal and professional selves Childhood Experiences & Social Context Watching Lawrence of Arabia at birthday sleepover Friends uninterested → early social friction Andrew parallels with daughters and screen preferences Childhood experiences influence perception and engagement Professional Background & Storytelling Application Robin's long involvement with PeopleTech and People Leader Accelerator Created PLA website, branding, documented events Mixed pursuits: dance, media, café entrepreneurship Demonstrates applying skills across domains Collaboration with BJ Fogg → behavioral change expertise Storytelling as Connection and Alignment Robin: Storytelling pulls from personal domains and makes it relevant to others Purpose: foster connection → move together in same direction Executive relevance: coalition building, generating momentum, making the case for alignment Andrew: HR focus on connection, relationships, alignment, clarity Helps organizations move faster, "grease the wheels" for collaboration Robin's Credibility and Experience in Storytelling Key principle: practice storytelling more than listening Full-time entrepreneur for 15 years First business at age 5: selling pumpkins Organized neighborhood kids in scarecrow costumes to help sell Earned $500 → early lessons in coalition building and persuasion Gymnastics and acrobatics: love of movement → performance, discipline Café entrepreneurship: Robin's Cafe in Mission District, SF Started with 3 weeks' notice to feed conference attendees Housed within a dance studio → intersection of dance and behavioral change First experience managing full-time employees Learned the importance of storytelling for community building and growth Realized post-sale missed opportunity: storytelling could have amplified success Transition to Professional Storytelling (Zander Media) Lessons from cafe → focus on storytelling, messaging, content creation Founded Zander Media (2018) Distributed small team, specializes in narrative strategy and video production Works with venture-backed companies and HR teams to tell stories internally and externally Provides reps and depth in organizational storytelling Why Storytelling Matters for Organizations Connects people, fosters alignment Enables faster movement toward shared goals Storytelling as a "powerful form of connection" What Makes a Good Story Robin: frameworks exist, but ultimately humans want: Education, entertainment, attention Sustained attention (avoid drift to TikTok, distractions) Framework examples: Hero's Journey (Joseph Campbell) → 17 steps Dan Harmon's 8-part structure → simplified version of Hero's Journey Robin's preferred model: 4-part story structure (details/examples forthcoming) The Power of the Twist, and Organizational Storytelling Robin's Four-Part Story Model Core idea: stories work best when they follow a simple arc Setup → Change → Turning (twist/reveal) → Resolution Goal: not rigid frameworks, but momentum, surprise, payoff The "Turning" (Twist) as the Sticky Moment Pixar example via Steve Jobs and the iPod Nano Setup: Apple's dominance, market context, long build-up Choice point: Option A: just reveal the product Option B (chosen): pause + curiosity Turning: the "tiny jeans pocket" question Reveal: iPod Nano pulled from the pocket Effect: entertainment, disruption, memorability Key insight: The twist creates pause, delight, and attention This moment often determines whether a story is remembered Why Flat Stories Fail Example (uninspiring): "I ran a cafe → wanted more marketing → now I run Xander Media" Improved arc with turning: Ran a cafe → wanted to do more marketing → sold it on Craigslist → built Xander Media Lesson: A reveal or risk creates narrative energy The Four Parts in Practice Setup The world as it is (Bilbo in the Shire) Change Something disrupts the norm (Gandalf arrives) Turning Twist, reveal, or surprise (the One Ring) Resolution Payoff and return (Bilbo back to the Shire) How to Use This as a Leader Don't force stories into frameworks Look at stories you already tell Identify where a disruption, surprise, or reveal could live Coalition-building lens Stories should move people into shared momentum Excitement → flow → aligned action Storytelling Mediums for HR & Organizations Employer brand ≠ separate from company brand Should be co-owned by HR and marketing Brand clarity attracts the right people, repels the wrong ones Strong brands are defined by: Who they are Who they are not Who they're for and not for HR vs Marketing: The Nuance Collaboration works only if: HR leads on audience and truth Marketing supports execution, not control Risk: Marketing optimizes for customers, not employees HR understands attraction, retention, culture fit Storytelling at the Individual Level No one is "naturally" good or bad at storytelling It's reps, not talent Practical advice: Know your ~15 core stories (career, company, turning points) Practice pauses like a comedian Notice when people lean in Opinionated Messaging = Effective Messaging Internal storytelling should: Be clear and opinionated Repel as much as it attracts Avoid: Corporate vanilla Saying a lot without saying anything Truth + Aspirational Truth Marketing and storytelling are a mix of: What is actually true What the organization is becoming Being "30% more honest" builds trust Including flaws and tradeoffs Example: budget brands, Southwest, Apple's office-first culture Why This Works Opinions create personality Personality creates stickiness Stickiness creates memory, alignment, and momentum Authenticity as the last real advantage We're flooded with AI-generated content (video, writing, everything) Humans are extremely good at sensing what feels fake Inauthenticity is easier to spot than ever One of the few remaining advantages: Be true to the real story of the person or organization Not polished truth — actual truth What makes content feel "AI-ish" AI can generate volume fast Books, posts, stories in minutes What it can't replicate: Personal specificity Why a story matters to you What an experience felt like from the inside Lived moments Running a café Growing into leadership What lasts: Personal story lesson learned relevance to this reader relevance to this relationship What content will win long-term Vulnerability Not oversharing, but real experience Personal perspective Why this matters to me Relevance Why it should matter to you Outcome Entertainment Insight Shared direction The risk of vulnerability (it can backfire) Being personal doesn't guarantee buy-in Example: inspirational talk → employee openly disagrees Emotional deflation Self-doubt Early leadership lesson: You can do your best People will still push back Leadership at higher levels gets harder, not easier Bigger teams → higher stakes Better pay Benefits Real expectations First "real" leadership pain points: Bad hires Mismatched expectations Disgruntled exits Realization: Conflict isn't failure It's a sign you've leveled up "Mountains beyond mountains" Every new level comes with new challenges Entrepreneurship Executive leadership Organizational scale Reframe setbacks: Not proof you're failing Proof you're progressing Authenticity at the executive table Especially hard for HR leaders Often younger Often earlier in career Often underrepresented Anxiety is normal The table doesn't feel welcoming Strategy: Name it "This is new for me" "I'm still finding my voice" Own it Ask for feedback Speak anyway Authenticity ≠ no consequences Being honest can carry risk Not every organization wants change Hard truth: You can't change people who don't want to change Sometimes the right move is leaving Guiding advice: Find people who already want what you offer Help them move faster Vulnerability as a competitive advantage Almost any perceived weakness can be reframed New Nervous Different When named clearly: It builds trust It creates permission It signals confidence Getting better at storytelling (practical) It's not talent — it's reps Shyness → confidence through practice Start small Don't test stories when stakes are highest Practice specifics Your core stories Your pitch Energy matters Enthusiasm is underrated Tempo matters Pauses Slowing down Letting moments land Executive presence is built Incrementally Intentionally Practice, Progress, and Learning That Actually Sticks Measure growth against yourself, not "the best" The real comparison isn't to others It's who you were yesterday MrBeast idea: If you're not a little uncomfortable looking at your past work You're probably not improving fast enough Important distinction: Discomfort ≠ shame Shame isn't a useful motivator Progress shows up in hindsight Looking back at past work "I'd write that differently now" Not embarrassment — evidence of growth Example: Weekly newsletter Over time, clearer thinking Better writing Stronger perspective Executive presence is a practice, not a trait Storytelling Selling Persuasion Presence Core question: Are you deliberately practicing? Or just repeating the same behaviors? Practice doesn't have to happen at work Low-stakes environments count Family Friends Everyday conversations Example: Practicing a new language with a dog Safe Repetitive No pressure Life skills = leadership skills One of the hardest lessons: Stop trying to get people to do what they don't want to do Daily practice ground: Family dynamics Respecting boundaries Accepting reality These skills transfer directly to work Influence Communication Leadership Why practice outside of high-stakes moments When pressure is high You default to habits Practicing in everyday life: Builds muscle memory Makes high-stakes moments feel familiar How to learn (without overengineering it) Follow curiosity Pick a thread A name A book An idea Pull on it See where it leads Let it branch Learning isn't linear It's exploratory Learning through unexpected sources Example: Reading a biography Leads to understanding an era Context creates insight The subject matters less than: Genuine interest Sustained attention Career acceleration (simple, not flashy) Always keep learning Find what pulls you in Go deeper Press the gas Where to find Robin Ongoing work lives in: Snafu (weekly newsletter on sales, persuasion, and storytelling) https://joinsnafu.com  Responsive Conference (future of work, leadership, and org design) https://responsiveconference.com   

In this episode, Mark Longo and Dan Passarelli take a nostalgic trip back to the 80s to become the Masters of the Volatility Universe. Whether you're a "Prince Adam" of the markets or just starting your basic training, this episode is a comprehensive refresher on the most important force in options pricing: Volatility. The Drill Instructors break down: Volatility as the Speedometer: Why direction matters less than velocity when measuring vol. Realized vs. Historical Volatility: Understanding the concrete, backward-looking data of price swings. Implied Volatility (IV): Why Mark calls it the "Fudge Factor" of the options market and how it acts as a forward-looking forecast. The Volatility Risk Premium (VRP): Why options are often "overpriced" and how premium sellers harvest that edge. Supply and Demand: Dan's take on why IV is often more about market noise than actual future predictions. 2026 VIX Prognostications: Where will the "Fear Gauge" end the year? Dan puts his official number on the record.

In this episode, Mark Longo and Dan Passarelli take a nostalgic trip back to the 80s to become the Masters of the Volatility Universe. Whether you're a "Prince Adam" of the markets or just starting your basic training, this episode is a comprehensive refresher on the most important force in options pricing: Volatility. The Drill Instructors break down: Volatility as the Speedometer: Why direction matters less than velocity when measuring vol. Realized vs. Historical Volatility: Understanding the concrete, backward-looking data of price swings. Implied Volatility (IV): Why Mark calls it the "Fudge Factor" of the options market and how it acts as a forward-looking forecast. The Volatility Risk Premium (VRP): Why options are often "overpriced" and how premium sellers harvest that edge. Supply and Demand: Dan's take on why IV is often more about market noise than actual future predictions. 2026 VIX Prognostications: Where will the "Fear Gauge" end the year? Dan puts his official number on the record.

Trudy Richmond worked all her life, then realized she'd never save enough money for a comfortable, private retirement. In this latest episode of What class are you?, Trudy talks about how she planned a future where she could qualify for subsidized housing and health care in her old age so she could retire with security.

​ @RealCoffeewithScottAdams  Episode 3073 CWSA - The Scott Adams School 01/15/26 https://www.youtube.com/live/3F1QJT6MMhE?si=LG4cpZs1Kwq0AW74 Episode 3064 CWSA 01/06/26 https://www.youtube.com/live/QLrx__QyzUk?si=osWhjThFm16EOTqL  @DailyPersuasion  We Are All Scott's Debris Now & The Last Thing He Said to Me—Daily Persuasion w/ Joshua Lisec Ep 346 https://youtu.be/YqTPi0f53RA?si=wGZwX21EPcM0cKY6  @VanderKlips  Ross Douthat asks why doesn't Marianne Williamson found a church? https://youtu.be/mfXXzeg5lDE?si=q1jSBbe2ilfvR0YT  @AEI  Ross Douthat, Tara Isabella Burton, and Steven Smith on the next American Religion | LIVE STREAM https://www.youtube.com/live/WIttJNroGyM?si=jRpCVbzUwflsA240 https://paulvanderklay.substack.com/p/scott-adams-death  @SpeakLifeMedia  Did Scott Adams Convert On His Death Bed? https://youtu.be/35dg-dmN84Q?si=CCdVBcSb8D7ZAu8a  @Neal_Daedalus  What is the TLC? - The Realized, Embodied, Actualized, Lived (REAL) Guide https://youtu.be/Y3vqSjywot8?si=zyfjGwessXfGLEJM  https://www.livingstonescrc.com/give Register for the Estuary/Cleanup Weekend https://lscrc.elvanto.net/form/94f5e542-facc-4764-9883-442f982df447 Paul Vander Klay clips channel https://www.youtube.com/channel/UCX0jIcadtoxELSwehCh5QTg https://www.meetup.com/sacramento-estuary/ My Substack https://paulvanderklay.substack.com/ Bridges of meaning https://discord.gg/CgPYjAUF Estuary Hub Link https://www.estuaryhub.com/ There is a video version of this podcast on YouTube at http://www.youtube.com/paulvanderklay To listen to this on ITunes https://itunes.apple.com/us/podcast/paul-vanderklays-podcast/id1394314333  If you need the RSS feed for your podcast player https://paulvanderklay.podbean.com/feed/  All Amazon links here are part of the Amazon Affiliate Program. Amazon pays me a small commission at no additional cost to you if you buy through one of the product links here. This is is one (free to you) way to support my videos.  https://paypal.me/paulvanderklay Blockchain backup on Lbry https://odysee.com/@paulvanderklay https://www.patreon.com/paulvanderklay Paul's Church Content at Living Stones Channel https://www.youtube.com/channel/UCh7bdktIALZ9Nq41oVCvW-A To support Paul's work by supporting his church give here. https://tithe.ly/give?c=2160640 https://www.livingstonescrc.com/give  

Kenny Wallace discusses NASCAR using Cleetus McFarland in a new commercial promoting the Daytona 500!#nascar #racing #kennywallace #cleetusmcfarland

Yosef Lee is a full-time litigation attorney based in New York who pivoted into multifamily real estate investing to gain greater control over his time and legacy. Driven by his desire to be more present for his two daughters, Yosef began his investing journey in 2019, joining mastermind communities and building a network from scratch. Since then, he has become a general partner in 17 syndications, participated in 5+ joint ventures, and successfully exited multiple deals—including a 3X equity multiple from his first investment. He now shares his journey to help others take purposeful action, emphasizing relationships, self-education, and long-term vision.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Join the right masterminds and network consistently to accelerate your learning and deal flow. Learn the language of multifamily investing before pitching yourself or underwriting deals. Focus on people first, trustworthy partnerships are more important than proximity in out-of-state investing. Multifamily value-add deals are often won through rent increases, not just renovations. Being honest about where you are in your journey builds authentic trust with your network.     Topics From Legal to Legacy Yosef shares how his role as a litigation attorney conflicted with his values as a father. Realized that financial success wasn't enough without freedom of time, place, and occurrence ("TPO"). Accidental Discovery of Multifamily Found BiggerPockets in 2019 and stumbled into multifamily after exploring other investment options. Chose multifamily for its scalability and team-based structure. First Deal Breakdown: 44 Units in Kansas Partnered with others through a mastermind group to buy off-market. Pushed rents by $150–$200 and executed a cash-out refinance before ultimately selling for 3X returns. The Power of Masterminds and Community Did 200+ Zoom calls in 2020 to build relationships. Contrasts 80% of people who said "don't join" masterminds vs. the 20% who helped him scale. Emphasizes that education is free, but access to the right people is worth paying for. Authentic Branding and Thought Leadership Recalls a 2019 comment from John Casmon that gave him the confidence to start showing up online, even before his first deal. Encourages investors to be real about where they are and build in public.    

Keith explores two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989,yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally while it's on your mind. Start at Ridge lending group.com that's Ridge lending group.com    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, Don't Quit Your Daydream.   Speaker 3  38:17   nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com  

She's best known for playing neurobiologist Amy Farrah Fowler on The Big Bang Theory, but the award-winning actress has a rich life outside of her acting career, as a teacher, mother — and a real-life neuroscientist.  Steve Levitt tries to learn more about this one-time academic and Hollywood non-conformist, who is both very similar to him and also quite his opposite. This episode originally aired on September 4th, 2020. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

CURTIS LEMAY TAKES COMMAND AND TESTS INCENDIARIES Colleague James M. Scott. After Hanselwas fired for a lack of results, Curtis LeMay, a pragmatic problem-solver from a hardscrabble background, took command in January 1945. LeMay realized the existing tactics were unsolvable equations and began tinkering with variables like altitude and radar. Concurrently, the US developed napalm and the M69 incendiary bomb, testing them on a mock Japanese village built in the Utah desert to ensure they could burn traditional wood-and-paper Japanesearchitecture. LeMay possessed detailed data on Tokyo's flammable density, preparing to exploit the city's architectural vulnerabilities. NUMBER 3 1945 OKINAWA