Podcasts about renters

Key Topics Covered:1. Mike's Journey: From Corporate to Property FreedomWhy Mike left a successful retail career for more control and family time.How a nudge from Kevin Whelan led to financial independence through HMOs.Building a business and legacy with his wife Claire and daughter Katie.2. Why Property Still MattersProperty as a long-term investment: realistic 8–10% cash returns plus asset growth.HMOs outperform single buy-to-lets for cashflow and resilience in changing markets.The maturing HMO market: easier entry with ready-made properties and new marketplaces.3. Taking the Leap: Advice for Aspiring HMO InvestorsDefine your financial and lifestyle goals before choosing the HMO route.Research HMO models (young professionals, students, etc.) and build your local power team.Action is key—most successful investors wish they'd started sooner.4. Building HMO X: An Ecosystem for HMO SuccessHMO X supports investors at every stage: learning, buying, operating, scaling, and exiting.Bronze and Silver subscriptions tailored to experience levels with access to expert support, estate agency, and the UK's first HMO auction house.Community, mentoring, compliance guidance, and a world-class power team.5. Compliance, Regulation, and Business MindsetNavigating new regulations like the Renters' Rights Act and staying systemised.Why running property as a business maximises profits and protects tenants.Leveraging your professional background for property success.6. Wealth Building, Legacy & DiversificationUsing a SSAS pension to diversify and strengthen family wealth.The importance of holistic planning: recurring income, multiple pillars, and protection (wills, powers of attorney, insurance).Knowledge transfer—teaching the next generation to build and protect wealth.7. Overcoming Barriers & The Power of CommunityThe value of support networks, mentorship, and learning from those who've “been there.”Why community and accountability increase your odds of success.Real-life case studies and five-star reviews as social proof.8. Practical Tips & Offers for ListenersHMO X offers a 10% discount on annual subscriptions for WealthBuilders members.Free initial chat for anyone exploring HMOs as a new pillar, mention you're a WealthBuilder.Leverage frameworks, community, and expert support to accelerate your journey. Actionable Takeaways:Think Long-Term: Property success comes from time in the market, not timing the market.Be Patient: Real wealth builds over 10, 15, even 20 years of holding strong assets.Aim for Steady Returns: Expect around 8–10% cash return on day one, with capital growth compounding over time.Hold for Growth: Retaining your property allows its value to appreciate significantly.Avoid Shortcuts: This isn't a quick-win strategy—discipline and strategy drive lasting success.Stay Strategic: Plan your portfolio carefully and review it regularly to stay aligned with your goals. Resources & Next Steps:HMO X - HMO Expertise all in one placePlatinum Property Partners - Build your own successful and profitable property businessWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Prosecutors are weighing charges in a deadly shooting in suburban Indianapolis that's drawing national attention. A new report from the Fair Housing Center of Central Indiana details growing challenges for local renters in search of affordable housing. In his victory speech after being elected mayor of New York City, Zohran Mamdani quoted labor activist Eugene Debs. As uncertainty surrounding the SNAP benefits continues, recipients are wondering when — or if — their benefits will come. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

When it comes to paying for a place to live, the economic benefits have always skewed towards homeowners, with renters getting no credit for all their on-time rent payments. But that is changing today. Piñata is helping millions of renters across America build their credit score and earn rewards with their rent payments.In this episode, CEO and Co-Founder Lily Liu reveals how her company is transforming rent payments into a powerful credit-building tool by reporting on-time payments to all three credit bureaus, while renters earn tangible rewards at everyday brands. Born during the chaos of the pandemic, Piñata has evolved from a two-sided marketplace into a fintech powerhouse now partnering with giants like Freddie Mac to make credit building a standard benefit for renters nationwide. Lily shares the strategic pivots, the regulatory complexities of consumer credit reporting, and why solving this problem required rethinking rent as more than just an expense.In this podcast you will learn:The founding story of Piñata.Why launching the company at the height of the pandemic was good timing.How they were able to get landlords on board.Why they use a carrot, rather than a stick, to encourage renters to pay on time.How the Piñata rewards program works for renters.The two different ways renters can join Piñata.The average increase in credit score for a typical Piñata customer.How Piñata is very different to Bilt.How they differentiate themselves from others in the credit building space.The demographic that is most attracted to Piñata.What their partnership with Freddie Mac means.Why some renters are opting out of the home ownership dream.How Piñata Pay, launching in 2026, will work.How they are going to scale Piñata so the majority of people can get credit for rent payments.Lily's vision for the future of Piñata.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

In this episode of Disruption/Interruption, host KJ interviews Stephan Luna Ng, founder of Moon Five Technologies, about breaking barriers to electric vehicle (EV) charging in apartments and multifamily homes. Stephan shares his journey from environmentalist to entrepreneur, the challenges of EV infrastructure, and how his company is making EV charging accessible, equitable, and resilient for renters and property owners alike. Key Takeaways: EV Charging for Renters and Multifamily Homes [02:18]Stephan explains the unique challenges of providing EV charging in apartments and how Moon Five Technologies is solving them with a tenant-focused approach. Equity and Accessibility in Clean Tech [05:34]The current EV infrastructure often favors wealthier communities. Stephan’s mission is to make charging accessible for low-income and disadvantaged communities. Innovative Load Sharing and Resiliency [13:34]Moon Five’s system branches off individual tenant meters, enabling smart load sharing and even allowing EVs to power apartments during blackouts. Scaling Impact and Community Engagement [20:01]Stephan discusses rapid scaling, the importance of a waitlist, and how community feedback shapes their deployment strategy. Quote of the Show [24:21]:"With something as important as changing the earth, do we wanna be signaling that we're retreating?" — Stephan Luna Ng Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Stephan Luna Ng: LinkedIn: https://www.linkedin.com/in/stephanlunang/ Company Website: moonfive.tech How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

The renters rights act is the most momentous change to housing law since the 1980's, but what will it mean for the UK's 11 million renters? Writer: Ada BaruméProducer: Ada BaruméHost: Casey Magloire Hosted on Acast. See acast.com/privacy for more information.

British Columbia is in a housing crisis, and 1.6 million renters are bearing the brunt of it. The Residential Tenancy Act and Residential Tenancy Branch policy have the potential to support the human right to housing and to prevent homelessness and displacement but there is plenty of room for improvement in how well they protect tenants. First United has just come out with their second law reform platform addressing some of the gaps. We speak with Dr. Sarah Marsden of First United.

This week we're breaking down the brand-new Renters' Rights Act, the biggest shake-up to renting in decades.   We'll explain what it means for landlords, when it's coming in, and how to avoid the new penalties. From rent bidding bans and the end of fixed terms to pet requests, upfront rent rules, and £40,000 fines, this episode covers the lot. If you own or manage a rental property, you can't afford to miss this   In this episode: The Renters' Rights Act 2025 is now law, and it completely changes the game for landlords, letting agents, and tenants. We unpack every key change you need to know about, including: The end of Section 21 and fixed-term ASTs New open-ended periodic tenancies Rent increases limited to once a year (and challengeable) The ban on large upfront rent payments Landlord database & redress scheme (compulsory registration) Pet requests – what counts as a "reasonable refusal" New anti-discrimination rules (no more "no DSS" or "no kids") The Decent Homes Standard & Awaab's Law rollout £7k–£40k fines, stronger council powers, and rent repayment orders Updated notice periods for all grounds of possession The real timeline – when each rule takes effect   Whether you're a hands-on landlord, managing agent, or investor this episode tells you exactly what to prepare for before April 2026. Landlords don't get caught out by the Renters' Rights Act.   Listen Now Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348   This episode is sponsored by Survey Network, Bridging the Gap Between You and the Professionals www.survey-network.co.uk   Follow the show now so you don't miss our next breakdown on how to stay compliant, profitable, and ahead of the new rules. If you found this episode useful, share it with another landlord or property professional and leave us a quick rating or review on Spotify or Apple Podcasts.   It helps more landlords find the show, and it keeps us bringing you the updates that actually matter

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In this episode of the Munro Live Podcast, Moon Five Founder/CEO Stephan Ng shares how his company brings the home charging experience to drivers living in rental buildings.https://www.moonfive.tech/

Ann-Marie O'Reilly, Threshold's national advocacy manager, discusses the increase in the number of renters reporting they're at risk of homelessness.

Are the Government's housing plans working?

Indymedia's Joni Boyd chats with William and Mia from the growing WA branch of the Renters and Housing Union about the rapidly worsening rental crisis and the branch's upcoming protest outside the WA Labor conference this Saturday the 8th November. Originally broadcast on RTRFM92.1 on 03/11/2025 Banner image via RAHU's national facebook page - 21/12/2020

In today's episode, I break down the Renters Rights Act, the biggest shake-up to the UK rental market in decades, and explain what it really means for HMO landlords.This new legislation completely rewrites the rules for landlords, from the removal of fixed-term tenancies and Section 21 evictions to rent increases, pets, and the launch of a national landlord register. It's a huge change that adds complexity and risk, but for those who understand it and prepare early, it also creates an incredible opportunity.In this detailed breakdown, I walk you through the 11 key changes every landlord needs to understand, how they'll affect your portfolio in practice, and the steps you can take now to safeguard your business and turn regulation into opportunity.

Amy talks with the host of ‘How to Money' Joel Larsgaard about renters having the upper hand, holiday budgeting, and new cars for $50k.See omnystudio.com/listener for privacy information.

In this newscast: The Juneau Assembly doesn't plan to take a stance on whether it's in favor of the state's proposed Cascade Point Ferry Terminal north of Juneau; Five firefighter apprentices in Juneau received their pins on Saturday — that means the formally joined the force; Renters living in Juneau's Telephone Hill neighborhood had until Saturday to vacate their homes before the city would have evicted them; The Juneau Assembly is hoping to avoid paying a portion of the cost for a federal program that would offer buyouts to residents living on the street hardest-hit by the city's annual glacial outburst flood; People who rely on food assistance from SNAP, the Supplemental nutrition Assistance Program, could have their electronic benefits cards refilled as soon as this week; The National Oceanic and Atmospheric Administration recently canceled its contract with the entity that collects much of the data on earthquake and tsunami signals.

Host Kyle Macdonald and Neighborhood Ventures CEO Jamison Manwaring break down the latest Wall Street Journal and GlobeSt headlines—from rent cuts hitting Sun Belt cities to cap-rate volatility and the looming $3.3T wave of commercial loan maturities. They dive into: Why renters now have the upper hand in markets like Phoenix and Austin How heavy concessions and delayed lease-ups are reshaping multifamily economics What unpredictable cap rates and maturing debt mean for valuations Why smart operators are doubling down on fundamentals through 2026 This is your data-driven roadmap for navigating a flat-rent market and positioning for "Heaven in '27."

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews AK Babers, a prominent real estate investor and founder of AKB Realty Group and Manifest Equity. They discuss AK's focus on community-driven solutions to bridge the wealth gap through real estate education, the importance of understanding the market, and the challenges faced by investors. AK shares insights on leveraging technology, particularly AI, in real estate, and emphasizes the need for community engagement and education, especially for seniors dealing with probate issues. The conversation also touches on investment strategies, the significance of automation in business growth, and AK's future goals for expanding his outreach and educational efforts.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Most Montana homeowners should see a drop in property taxes after sweeping tax reforms go into effect this year. Renters, however, could see the cost of living rise after lawmakers made a mistake reforming property taxes.

The Renters' Rights Bill is transforming the UK property market, and letting agents must be ready. Inventory Base's Operations Director, Siân Hemming Metcalfe, explains why strong, fact based evidence is vital for protecting agencies, landlords, and tenants. From ending Section 21 to boosting transparency, she reveals how documentation, risk assessments, and expert inventories can de-risk and futureproof your business. Tune in to learn why evidence is fast becoming the new currency for letting agents.

In this episode, lettings expert Julie Ford reveals why success in property isn't about bricks and mortar; it's about people. She explores how great communication, modern tools like WhatsApp, and understanding both landlords and tenants can transform your business. Julie also discusses the impact of the upcoming Renters' Rights Bill and how agents who prioritise people will thrive in the evolving lettings landscape.

With the Renters' Rights Bill now the Renters' Rights Act 2025 after having received Royal Assent on 27 October 2025, Patricia decides to give a light overview of local authority powers that will come into play on 27 December 2025.

In this week's episode, Tom Sieber and Danni Hewson digest the latest market developments from both sides of the Atlantic, with AJ Bell shares and markets writer Martin Gamble also on hand to cover the US earnings season, the newest member of the $4 trillion club and the Federal Reserve's decision to cut rates [01:04].   Tom discusses the record highs for the FTSE 100 and there's chat about results from Next and UK banks and the little-known company which is among the top risers on the UK's flagship index this year. Plus, a look at shop price inflation and the Renters' Rights Bill. [09:33] Elon Musk's pay package and how the job cuts at Amazon connect to the AI story are also on the agenda this week. [24:11]  Danni Hewson speaks to Stuart O'Reilly at the Royal Mint on gold prices, whether it might be too late to get exposure, what's driven the precious metal higher in 2025 and the different investment options. [32:57] 

It's been a painful week for the government, with a migrant sex offender accidentally released from prison and a damning report on the spiralling costs of the asylum system. But is a plan to house asylum seekers on military sites really the answer?  Political journalist Zoë Grünewald - standing in for Coco as Nish's co-host this week - dives into how this re-hashed Conservative plan has managed to piss off, well, just about everyone.  In better news - it's curtains for the hated section 21 ‘no-fault evictions' notices. The long-awaited Renters' Rights Act has become law! Nish and Zoe talk to housing journalist Vicky Spratt about how big a deal this is for renters across England.  Plus - why Housing Secretary Steve Reed's Maga-style 'build, baby, build' crusade looks likely to end in affordable housing targets more pathetic than they are now.   Then later – from spending £75,000 on flags to their only black party chair quitting - is Reform out-reforming Reform? And why is Jeremy Corbyn swapping parliament for panto this Christmas. GUESTS Vicky Spratt USEFUL LINKS Peckham Not For Sale https://www.crowdjustice.com/case/acapeckham/ CREDITS Sky News X / Steve Reed  Talk TV LBC Reform UK ITV News IG / Pleasance Theatre  Pod Save the UK is a Reduced Listening production for Crooked Media. Contact us via email: PSUK@reducedlistening.co.uk BlueSky: https://bsky.app/profile/podsavetheuk.crooked.com Insta: https://instagram.com/podsavetheuk Twitter: https://twitter.com/podsavetheuk TikTok: https://www.tiktok.com/@podsavetheuk Facebook: https://facebook.com/podsavetheuk Youtube: https://www.youtube.com/@PodSavetheUK Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

(October 30, 2025)Host of ‘How to Money' Joel Larsgaard joins the show to discuss whether the stock market is in a bubble, consumers feeling discount fatigue, and renters having an upper hand in the housing market these days. The battle over DEI is messier than ever for companies. 

Today's episode takes a closer look at the ripple effects of the ongoing federal government shutdown here in Washington State—and specifically, how missed paychecks and halted programs are impacting renters and landlords in our region.

Host of ‘How to Money' Joel Larsgaard joins the show to discuss whether the stock market is in a bubble, consumers feeling discount fatigue, and renters having an upper hand in the housing market these days.

This week on the podcast we discuss fresh polling on public attitudes to UK universities, which shows how a widening graduate/non-graduate divide and sharper political splits are fuelling worries about degree quality and whether universities are focused on the country's interests.Plus we discuss the housing crunch – the new Renters' Rights Act, warnings on missed housebuilding targets, and what a forthcoming statement of expectations on student accommodation could require of providers working with local authorities. And we explore employability insights from new research – the language gap between university “attributes” and real job adverts, and how to recognise skills students gain beyond the curriculum.With Ben Ward, CEO at the University of Manchester Students' Union, Johnny Rich, Chief Executive at the Engineering Professors' Council and Push, Livia Scott, Associate Editor at Wonkhe and presented by Jim Dickinson, Associate Editor at Wonkhe.Student accommodation – a tale of two cities, and 2point4 studentsThe Renters' Rights Act is out of the oven, but the student housing market is still cookedShared Institutions: The public's view on the role of universities in national and local life / More in Common and UCL Policy LabAGCAS: Uncovering SkillsEmployability: degrees of value / Johnny Rich

The UK housing market can feel like a maze right now. In this housing market update, Phil Spencer talks with Nathan Emerson, CEO of Propertymark, about what's really happening. Discussing buyer behaviour and affordability to rising rents, landlord pressures, and potential Budget changes. Tune in for insight on the latest market trends and learn clear, practical advice for anyone thinking of buying, selling, renting, or investing. If you're trying to make sense of the market, this episode helps you find your way through the maze. Tune in for: Market summary & trends Renters rights bill Potential impacts from the Budget To find your local Propertymark agent Disclaimer - Recorded late September More FREE advice on renting on the Move iQ website Why not subscribe to receive Phil's monthly newsletters, and get his top tips and market updates direct to your inbox. Where else you can find advice from Move iQ You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk.

Let Us Know What You Thought Of The Episode It seems like everywhere you turn, investors are talking about adding basement suites, garden suites, or converting homes into small multiplexes — and for good reason. With housing affordability and supply top of mind across Canada, local governments are finally opening the door for more homeowners and investors to create additional rental units on existing properties.In this week's episode, we're joined by Andy Tran, founder of Suite Additions and author of Legal 2nd Suites – A Beginner's Guide. Andy has helped hundreds of investors design, plan, and build legal secondary suites that not only meet code but also make the numbers work.We get into:• Why more cities are encouraging additional units and what that means for investors.• How to know if your property qualifies for a basement, garden, or laneway suite.• The design mistakes that can hurt your ROI.• Realistic costs, timelines, and what lenders and appraisers are looking for.If you're serious about building long-term cash flow and increasing your property's value, this episode is packed with insights you can put into action. Tune in to learn how you can turn one property into multiple income streams — legally and profitably.Follow Andy on Instagram: https://www.instagram.com/suite_additions/Learn More About Our Trusted Partner - FrontLobbyFrontLobby is a platform designed for Landlords, Property Managers, and Renters. Our mission is to improve the rental industry for everyone. We believe in creating a win-win scenario where Housing Providers and Renters prosper.Would you like to learn more? Visit:https://thesavvyinvestor.ca/front-lobby Savvy Investor Links:Website: https://thesavvyinvestor.ca Instagram: https://www.instagram.com/savvy_investors YouTube: https://www.youtube.com/@thesavvyinvestorJoin our FREE Savvy Investor Facebook Community:  https://www.facebook.com/groups/341243106757064Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

Simon talks about some of the more significant changes in day-to-day processes for landlords that will come from the (now decided) Renters Rights Act. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/). Episode links: * Get your free weekly property market stats from PaTMa (https://www.patma.co.uk/property-market-updates/). * Find us on YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), Apple (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Please leave a rating and review if you're enjoying the show.

Greg Brady spoke with Varun Sriskanda, Member of the Board of Directors at Small Ownership Landlords of Ontario Inc. about Ford government walks back on plan to consider changes to renters' right to ‘security of tenure'. Learn more about your ad choices. Visit megaphone.fm/adchoices

Canadian journalist Nora Loreto reads the latest headlines for Monday, October 27, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

Host John Stepek and author of the Money Distilled newsletter is joined by Bloomberg reporter Helen Chandler-Wilde and Stuart Trow, author of “Young, Poor and Totally Screwed” to unpack one of the Labour government's key reforms; the Renters’ Rights Act. The act, which has just received Royal Assent, aims to moderate rent increases, ban “no-fault” evictions, and end fixed-term tenancies. But without any meaningful supply side reforms, there are questions over how effective the new policy will be. Indeed, there are risks that it could do more harm than good, particularly to those already struggling to find accommodation, as tighter regulation and higher costs encourage more landlords to leave an already overly-tight market.Read more: https://www.bloomberg.com/explainers/how-to-uk-landlord-new-renters-rights-bill?utm_source=website&utm_medium=share&utm_campaign=copy Sign up for the budget event: https://go.bloomberg.com/attend/invite/post-budget-merryn-talks-money/ See omnystudio.com/listener for privacy information.

Greg Brady spoke to Marit Stiles, Ontario NDP Leader and MPP for Davenport about Ford government walks back on plan to consider changes to renters' right to ‘security of tenure'. Learn more about your ad choices. Visit megaphone.fm/adchoices

Could mediation be the key to navigating the new Renters' Rights Bill? We speak with Julie Ford, letting agent consultant and trained mediator, about how a mediation first approach could transform landlord-tenant relations. With over 500 mediations under her belt, Julie explains how mediation saves time, reduces court cases, and delivers fair outcomes for all. Discover how agents can embrace mediation to stay ahead in a shifting property landscape.

A psychic cat, a tenant who installed French doors without asking, and a $75K scratchie birthday win, it’s all happening today! Plus, Lawrence Mooney joins the show to talk tattoos, horses, and his new country lifestyle.See omnystudio.com/listener for privacy information.

Don't have time to listen to the full show? We got you covered on the Nathan, Nat & Shaun Quickie, all the best bits from Wednesday, 22nd of October’s episode!See omnystudio.com/listener for privacy information.

In this power-packed throwback episode, Chris Craddock sits down with luxury Airbnb investor Clay Hepler to unpack the strategies behind high-end short-term rental success — even in today's market.Clayton shares how he used DSCR loans to finance a million-dollar property with just 15% down, how to project returns, furnish smart, and avoid common pitfalls.Plus, Chris and Clayton touch on infinite banking as a powerful tool to create and multiply wealth for agents and investors.If you're a real estate professional looking to add a luxury Airbnb to your portfolio, this episode is your blueprint.Reach out to Clay:Email: clay@creativecapitalist.comText: 412-552-3029Reach out to Chris:Facebook - https://www.facebook.com/ChrisCraddockBusiness/Instagram - https://www.instagram.com/craddrock/RESOURCES: 

In this episode, I break down a simple three-list strategy to turn renters into buyers—starting with your sphere, pulling a 9-month “rented” list from the MLS, and finding hidden sellers among downsizers and move-up owners. We'll talk fall-market realities, why “light, bright, and clean” still wins, and how consistency in social + direct mail = conversions. You'll leave with postcard ideas, a month of content prompts, and a step-by-step pattern you can repeat every month to keep your pipeline full.Follow and connect with me:TikTok: https://www.tiktok.com/@carriejolittleInstagram: https://www.instagram.com/carriejolittle/YouTube: https://www.youtube.com/@CarrieJLittle

Season 5 Ep 7 - Wednesday tells us about having to work late nights, the effects lashing has on your body and why lash techs aren't making enough money. Tune in to find out this and more

Why are millions of apartment rooftops still empty while single-family homes cash in on solar savings?Turns out it's an accounting problem – a technicality known in industry jargon as the “split-incentive” and it's keeping renters and property owners sidelined from benefiting from distributed generation on-site.In this episode, we sit down with Dover Janis, co-founder and CEO of Ivy Energy, to explore the split incentive that's held multifamily solar back for years. Dover and his team are building the software backbone that makes solar pencil for both property owners and renters - and their traction is accelerating.You'll hear how Dover went from boots-on-roof solar tradesman to leading a team solving one of the most persistent challenges in the clean energy transition. If you've ever wondered why multifamily solar adoption has been so sluggish—or how to unlock a massive untapped market—this is your blueprint.

Send us a textA year into renting and still struggling? You're not alone. In this episode, Todd and Jen break down why so many booth renters and suite owners can't seem to get ahead — and how to fix it.They're not anti-rent or anti-suite (far from it). This is about clarity, accountability, and structure. Whether you're a year in or just thinking about going solo, this episode gives you the tools to stabilize, grow, and actually profit.Key TakeawaysWe're not anti-suite or anti-rent — we're pro-clarity and accountability.Freedom without structure quickly turns into isolation and chaos.Math matters: know your break-even and your effective hourly rate.Your Google Business Profile and reviews will outperform Instagram.Social media without faces or stories doesn't sell.Mentorship, systems, and structure are what separate success from struggle.A 90-day plan can rescue your business if you take it seriously.Episode Timestamps[00:00] – Opening takes: Real education & accountability in business[06:00] – Todd's segue: why this topic matters and why they're not anti-rent or anti-suite[08:00] – The #1 reason renters struggle: they don't know their numbers[10:00] – Pricing mistakes and how to calculate your break-even point[15:00] – Understanding your effective hourly rate[16:00] – The second big issue: marketing — why no one knows you exist[19:00] – The power of Google Business Profile and reviews[22:00] – The social-media trap: why “back-of-the-head” posts don't convert[25:00] – Math check: what your following actually means for growth[29:00] – The mindset problem: freedom without structure = chaos[31:00] – What independence really costs and why accountability still matters[33:00] – Why mentorship and structure aren't optional[35:00] – 90-Day Rescue Plan: stabilize, rebuild, and grow[40:00] – Adding packages, care plans, and simple marketing systems[42:00] – Closing thoughts + preview of Part 2 (Why Commission Salons Struggle)Links and Stuff:Our Newsletter Mentoring InquiriesFind more of our things:InstagramHello Hair Pro Website

New York City renters have filed more than 1,100 complaints since the city's ban on most broker fees took effect in June, many accusing landlords and brokers of ignoring the new rule. Meanwhile, Democratic mayoral nominee Zohran Mamdani is criticizing President Trump over the federal prosecution of state Attorney General Letitia James. Also, city contractors hired to replace a crumbling, century-old elevated stretch of Riverside Drive West in Washington Heights walked off the job last year, leaving behind an unfinished construction site and hundreds of residents stuck in a public works purgatory. And finally, we meet the guy behind those “Friend” ads at subway stations across the city.

Landlords will have to disclose the amount of rent they are charging tenants, in a publicly accessible 'rent register' that's according to a report in today's Irish Examiner. To discuss this Maurice Deverell, from the Irish Property Owners Association & Rory Hearne, Housing Spokesperson with the Social Democrats, and TD for Dublin North-West

Simon provides landlords with a crucial update on the upcoming Renters' Rights Bill, estimated to become law around 6th April 2026 Simon urges you to be proactive now by checking your letting agent's awareness, tightening tenant vetting processes, and securing properties to the minimum energy efficiency standards to mitigate risks in the forthcoming, more regulated, and potentially more challenging letting environment KEY TAKEAWAYS The Renters' Rights Bill is anticipated to become law around 6th April 2026, introducing a nationwide database where every rental property must be listed and registered with a unique property reference number to be legally rented out. Landlords who are non-compliant face potential fines and Rent Repayment Orders, which will allow tenants (even those who have moved out) to claim back up to two years' rent if the landlord has not adhered to the new rules. The removal of Section 21 (no-fault eviction) will mean a heavier reliance on Section 8 (for non-payment), but with court systems already under pressure, gaining possession might take longer, making stringent tenant vetting and the use of guarantors essential. Landlords must ensure their properties meet minimum Energy Performance Certificate (EPC) standards: a C-level rating is required for new properties by 2030 and for existing tenancies by 2033, with failure to do so potentially forcing landlords to sell non-compliant properties. BEST MOMENTS "Most letting agents are just not aware of what's happening'" "The biggest problem is that the courts, unfortunately, the court system, it doesn't have enough judges, the buildings are literally falling down, and it really needs some investment by the government to make sure the courts can handle all the extra work coming through." "We have to be very careful who we're taking on as tenants. We have to be even more vigilant in the checks that we are doing." "Ignorance, lack of knowledge is not an excuse” VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Send us a textToo many salon owners start with numbers such as rent prices or commission percentages when hiring and attracting talent. In this episode, Todd and Jen flip the script with a lesson inspired by Steve Jobs: start with the experience and then work backward.Whether you run a commission salon or a booth or suite rental space, you'll learn how to design an environment where stylists and renters feel valued, supported, and inspired—and why that approach keeps people around longer.Episode Timestamps[00:00] – Todd introduces the episode + Steve Jobs' philosophy[01:30] – Opening takes: self-talk and work-life balance myths[07:00] – Why skipping fundamentals holds stylists back[10:00] – Hello Hair Co's early culture decisions[13:00] – Common hiring mistakes salon owners make[16:00] – Why leading with commission % or rent price doesn't work[18:00] – Why “luxury,” “family,” and “cutting edge” job ads fall flat[20:00] – What stylists actually want in a job today[23:00] – Stability, trust, and leadership as retention drivers[25:00] – Work-life balance: freedom without laziness[27:00] – Recognition and respect as key motivators[28:00] – The stylist journey: awareness → exploration → interview → onboarding → growth[34:00] – Why strong onboarding matters more than shadowing[39:00] – Writing job ads that attract culture fits[43:00] – Attracting booth renters: what they really want[47:00] – Booth rent vs. experience-first recruiting[49:00] – Key takeaways + closing thoughtsKey TakeawaysDon't lead with commission or rent rates—lead with experience.Stylists and renters want to belong, have growth opportunities, experience stability, trust, and recognition.Job ads that sound generic (“luxury,” “like family”) fail to attract the right people.Clear systems, mentorship, and education are the real differentiators.Booth renters value independence, but also want a professional, client-ready environment.Build a culture where stylists want to be—that's the ultimate recruiting advantage.How to Keep Your Salon Staff: What Our Stylists Said When We Asked Why They Stay [EP:204]Links and Stuff:Our Newsletter Mentoring InquiriesFind more of our things:InstagramHello Hair Pro Website

The Debt Collective has organized a rent debt strike against Equity Residential, the fifth largest landlord in the nation and the largest in the city of Los Angeles.

My interview with the Paper Bag Investor on Lemonade stock ($LMND). Huge shoutout to him for coming on the show!! I will keep you all posted on if he's convinced me to buy more shares... let me know what you think in the comments! Are you long Lemonade stock? Why? Why not?Paper Bag Investor YT Channel: https://www.youtube.com‪@PaperBagInvest‬ Paper Bag Investor X: https://x.com/PaperBagInvestLemonade Q2 2025 Shareholder Letter: https://www.lemonade.com/investor-rel...0:00 Intro: Paper Bag Investor0:44 Lemonade Bull Thesis: Disrupting Insurance6:58 The Owner/Operator/Founder behind Lemonade: Daniel Schreiber & Shai Wininger9:17 What insurance does Lemonade sell? Renters, Pet, Car, Home …13:30 How To Understand Lemonade's Financials18:30 Lemonade's Fair Value is $100-$200 per share22:46 Lemonade's Gross Profit is BOOMING25:28 Lemonade Is About To Get Very Profitable26:22 Why Lemonade is Misunderstood30:51 Lemonade's Growth Rate, Accelerating or Nah?32:05 Reinsurance Change, From 55% to 20%33:40 Lemonade Car Insurance Potential34:10 How Does Tesla Robotaxi Impact Lemonades Car Insurance Business40:27 Lemonade Is Constantly Evolving, In Many Businesses 41:00 Getting Inspired About Lemonade Building A Brighter Future46:08 Viewer Questions from X50:03 Lemonade FOMO Ramping My X: https://x.com/gfilcheHyperChange Patreon :)   / hyperchange   Disclaimer: I'm long Lemonade (LMND) stock. This show is not financial advice.

As the cost of homeownership soars across the country, renting has emerged as an increasingly popular alternative — not just in cities, but in suburbs, too. John Yang speaks with Doug Ressler, manager of business intelligence at Yardi Matrix, to learn more. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Mark 2:27 NIV "Then he said to them, “The Sabbath was made for man, not man for the Sabbath."   *DISCLAIMER* This episode contains adult themes and is not intended for little ears.   *Transcription Below*   Emily MacLeod-Wolfe is a Nurse Practitioner wellness professional with a passion for helping individuals achieve their health goals in a holistic and practical way.   With 5 years of invaluable experience in the field, Emily has developed a deep understanding of the importance of a balanced lifestyle for a vibrant life.   Emily firmly believes in treating the whole person, not just the symptoms, and takes a comprehensive approach to healthcare. She learned these from her own personal experience of dealing with Hashitmotos thyroiditis and eczema and found the root causes to treat them naturally. She is passionate to help others with the personal knowledge and health freedom she has received.   By combining her medical expertise with a focus on nutrition, exercise, and mindfulness, she empowers her clients to take control of their health and make sustainable lifestyle changes.   With a warm and empathetic demeanor, Emily creates a safe and supportive environment where clients feel heard and understood. She works closely with each individual to develop personalized wellness plans that are tailored to their unique needs and circumstances. Whether you're looking to improve your physical fitness, manage stress, or simply lead a healthier life, Emily is dedicated to guiding, encouraging & supporting you on your wellness journey.   Emily's Website   Questions and Topics We Cover: Will you give us an intro lesson for hormones 101? Is it normal to have really painful and heavy menstrual cycles or is that an indicator that something is not right? What are the best practices you recommend for women to support healthy hormones and healthy adrenals in their body all month long?   Thank you to our sponsor: Leman Property Management   Episode Mentioned Today: 256 Gut Health, Allergies, Inflammation and Proactive Solutions with Emily Macleod-Wolfe   Other Related Episodes on The Savvy Sauce Podcast: 81. Sacred Rest with Doctor, Wife, Mother, and Author, Dr. Saundra Dalton-Smith 167. Pursuing Health in Four Key Areas with Debra Fileta 205. Power of Movement with Alisa Keeton (Revelation Wellness) Hormones and Simple Changes to Feel SO Much Better with Functional Medicine Expert, Dr. Jill Carnahan Practicing Sabbath with Shireen Eldridge Special Patreon Re-release: Out of the Box Stress Relievers to Apply Today with Dr. Saundra Dalton-Smith 215 Enriching Women's Sexual Function, Part One with Dr. Kris Christiansen 216 Enriching Women's Sexual Function, Part Two with Dr. Kris Christiansen 217 Tween/Teen Females: How to Navigate Changes during Puberty with Dr. Jennifer Degler   Connect with us through The Savvy Sauce Website   Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”    Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”    John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:12)   Laura Dugger: (0:12 - 1:29)  Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.    Today's message is not intended for little ears. We'll be discussing some adult themes, and I want you to be aware before you listen to this message.    Leman Property Management Company has the apartment you will be able to call home, with over 1,700 apartment units available in central Illinois. Visit them today at lemanproperties.com, or connect with them on Facebook.    Emily McLeod-Wolfe is my returning guest for today. Last time we talked about everything related to gut health, and I'll make sure to link that episode in the show notes for today's episode. I would highly recommend that you begin there, because there's a lot of overlap with solutions, as then we transition today into our topic about female hormones, the menstruation cycle, and how to make everything better, and even end up grateful to God for our female cycle.   Here's our chat. Welcome back to The Savvy Sauce, Emily.   Emily Macleod-Wolfe: (1:30 - 1:34) Thank you so much for having me again, Laura. I'm so excited about this section.   Laura Dugger: (1:35 - 1:40) Yes, can you just give us a brief reminder of the work that you get to do before we dive in?   Emily Macleod-Wolfe: (1:41 - 2:08) Yes. I am a holistic nurse practitioner. I was trained traditionally in traditional medicine at Vanderbilt, and then I went on to do ... Well, from my own personal health journey, I knew I wanted to do more holistic medicine, so I went on and did functional medicine, natural medicine training, so, now I have a practice called Pure Integrative Health, which is to blend the best of both worlds, and to basically to root cause medicine.   Laura Dugger: (2:08 - 2:19) Well, and we covered all things gut health last time, but I've been so excited to interview you about hormones, so as best as you can, could you just give us Hormones 101?   Emily Macleod-Wolfe: (2:21 - 3:02)  Yeah, yeah. And first of all, if you didn't hear the last episode, I would recommend go back to listen to the previous one, because the gut health is the precursor that builds to the hormones, and I don't recommend even trying to address the hormones unless you've got some of the gut healing going, because they are so interconnected, even in the way in which we don't want to be recycling hormones, so constipation is causing an excess hormone recycling that should not be happening. So, again, healthy gut health is going to help the hormones, but yes. So, for women, or for men, or what hormones would you like me to describe?   Laura Dugger: (3:02 - 3:11) I think we're just going to focus on women's hormones today, because I want to get more into our cycle as well.    Emily Macleod-Wolfe: (3:11 - 10:59) Oh, great question. Yeah. Okay. So, for women, we have the sex hormones, estrogen, progesterone, testosterone, not nearly as high levels of testosterone as men, they can be highly driven off of it. If the testosterone is too high in women, then we look at things like PCOS, polycystic ovarian syndrome, excess androgen, so it could be like abnormal hair growth, extra oily skin, acne, those are some signs of like maybe high testosterone, but also could be from high cortisol, which is the stress hormone that's made in the adrenal glands that sits on top of the kidneys and produces stress hormone.   Now we'll explain how the adrenals and the stress hormone cortisol affect some of the sex hormones, but those ones, and then there's one called DHEA, and that is the precursor hormone to testosterone. So, we've got estrogen, progesterone, testosterone, DHEA, pregnenolone is like the master hormone in which all the hormones can be made out of, and the cholesterol actually funnels into pregnenolone. So, our cholesterol is necessary, we do need good cholesterol to help all the hormones, so, yes, that's why good healthy fats and things like that are really helpful, like olive oil and avocado and baking, broiling and grilling things and all of that, the cholesterol, pregnenolone master hormone, we got DHEA, which is the precursor to testosterone.   And then testosterone can be the hormone that converts into estrogen, so, they're all connected, they're all very connected, so excess estrogen could be from too high testosterone. Anyhow, they're all over the place sometimes for women, and they do fluctuate just even within 28 days, so I'll kind of explain that, and then we can kind of go from there. So, we talked about cortisol, there's a lot of other hormones, but I was just telling you about the sex hormones, so that's necessary to understand a cycle of a woman.   So, when we start cycling, and then we have a couple different phases, we have the follicular phase, which is the first, day one is the day you start bleeding, and then day 14 is typically the day that we ovulate. So, day one, we have, estrogen starts to increase, we've kind of bottomed out, usually on our cycle, most women feel a little bit lower energy, I mean, we're bleeding and menstruating, and so some women lose a lot of iron, and ferritin levels can go down a lot during that, so we want to eat very iron-rich, lots of leafy greens, vegetables, good healthy fats to support. I kind of describe each week of our cycle, almost like a season, it's like winter is the first seven days of the bleeding, and then we've got spring, but then we start to feel really good, and everything is good, and then we've got summer, and we're doing great, and then we've got fall, and so we can kind of eat accordingly to, almost seasonally for the hormones, too.   So, we've got the first seven days, lower energy, because estrogen and progesterone are pretty bottomed out, but they start to gradually increase. Now estrogen really starts to increase, and then right around day 14, it comes down, and then progesterone takes over, and so right there is the ovulation, and that's where the ovaries will release an egg, and has the opportunity to be fertilized or not in the middle of the month, and it all very much interconnects with our moods and how we're feeling, and people have heard of PMS, premenstrual syndrome, you felt the hormonal changes and all of that, but there's definitely ways that we can kind of mitigate the extreme highs and lows, like some people deal with depression-like feelings and really big mood swings, we can work on leveling those things more so that they're not so drastic through certain things I'll describe, but anyhow, we've got follicular phase, estrogen, we've got the luteal phase, we've got ovulation, then we've got the luteal phase is where progesterone is really increasing and decreasing, and that's days 14 to 28 of the cycle. So, we've got first phase and second phase. And two, we can break it down even more to four weeks.    We've got like the first week, lower energy, but that's like, you can even connect it to emotions and how, like, maximizing efficiency for work based off of your cycle. Because even, you're not supposed to make a really big life decision during the menstruating week, because that's just low energy and all that. But it's a good time to dream, brainstorm, hopefully you're taking time to rest, take care of your body, have some salt baths, rich in magnesium, eating those good foods, giving nutrients, if your body needs, you get your iron levels checked and your ferritin levels. Your practitioner might give you an iron supplement that you're kind of taking in conjunction, depending on that. And so, we're resting and resetting and having time to journal, dream, and brainstorm things for the, you know, hopefully the next and then the next week, the estrogen is coming up a lot, and starting to feel back to normal self, usually really good and feeling that surge, the mood starts to get better, it's a great time to start to do like some good heavy weightlifting and exercise can even be based around cycle two. For menstruation, you're probably going to want to do a little bit more lower impact and walking and stretching, Pilates, things like that. And then a bar and all that and then weightlifting that second week is great.   And then also, that's around ovulation is that's where we feel more loving and affectionate and different things and the way that God designed our body literally to want to be with a man around that time. And that's procreation time. And then right around the after ovulation, that third week, and fourth week can start to get challenging because that's where well, sometimes that third week is a good, sweet spot.   But the fourth week, the week before the period. Yeah, like that day is 19 to 21. And then like after that, that's where some mood swings can start to happen.   And the estrogens come down a lot progesterone depending on where the bodies at. Most women are deficient in progesterone overall. So, if it's already decreasing, it was a peak in the third week, and then it's decreasing, going towards menstruating again, then it's a recipe for not sleeping great mood swings, irritability, bloating, breast tenderness, that can be estrogen imbalances, excess estrogen, low progesterone like symptoms.   And then yeah, that was a lot.   Laura Dugger: (10:59 - 11:20) That's so helpful. I want right before we move on, because I want to hear how to mitigate some of those symptoms. But first, you mentioned eating seasonally, even each week. So, is that what you're saying that we eat more of those winter foods, that day one to seven? And could you give an example for each phase?   Emily Macleod-Wolfe: (11:21 - 14:19) One example, Sweet potato, you know, like the foods that you would find more in the winter. So, you're kind of doing like sweet potatoes.   And like I said, the fatty food, like a healthy fat Mediterranean, definitely right around the cycle. Body craves, if you find yourself craving chocolate, it's probably because your body's deficient in magnesium. Most of us are.   So, some women will use it as an excuse to have chocolate, guilty as charged. But actually, it's magnesium deficiency, but chocolate has magnesium in it. So, if you get a rich, like dark chocolate, if you're not sensitive to chocolate, and you can do one that's a really dark and, and doesn't have a ton of sugar, then that could be a good source.   But just foods rich in magnesium, dark leafy greens, avocados, nuts, and really checking levels and magnesium, Epsom salt baths, things like that, that's going to be great. You're going to want to do that also kind of the week before the period to in the fall like food. So, you know, like the, the squashes, and you kind of like the baked vegetables and, and protein and, and then like in the spring, like the week after, then maybe you're doing more like, you know, berries and, and, you know, things that you would have in this in the springtime and summer, different types of meat that you would like lean chicken and turkey. Then harvest like food for that week before the period to give you good. There's something called seed cycling. So, the pumpkin seeds and well, sesame and sunflower are for days 14 to 28 of the cycle.   So, the second half that gives the body the micronutrients needed to help support progesterone and then pumpkin and wow, I'm really blanking probably because I need to eat lunch. But we can come back well it's going to come back to me the pumpkin and the is it chia? No, flax.   Flax. Okay, flax seed. Pumpkin and flax for days one, the day we start bleeding to ovulation day 14, and then sesame and sunflower days 14 to 28.   So, like adding those into smoothies, handful of nuts, nut butter, sunflower seed butter, you know, those kinds of things. Those that can also kind of support the cycle naturally and give the body the nutrients that are needed to support the body like that.   Laura Dugger: (14:19 - 14:37) Okay. I have heard about seed cycling before. It kind of ties into the other question I had. I wondered if it's normal to have really painful and heavy menstrual cycles? Or is that an indicator that something's not right and maybe we need to bring in something like seed cycling?   Emily Macleod-Wolfe: (14:39 - 18:15) Yes, painful, heavy menstruation. That's not normal. I personally have dealt with them.   So, I understand they're awful and they can leave some women, you know, nauseous, throwing up, vomiting, breast tenderness. Now, that signs of excess estrogen that likely needs to be detoxed. And I would recommend going to a holistic practitioner and asking them to do a saliva hormone testing panel.   Actually, we have no, I don't have it with me right now. But it's basically these vials of saliva that you spit right when you wake up, lunchtime, dinnertime, bedtime, and it'll check sex hormones between days 19 to 21 of the cycle. We're checking peak progesterone time so we can look at the most accurate depiction if you're cycling.   It's still possible to do it if you're postmenopausal and want to do the test, we could do it at any time. But it's a saliva hormone test is the most accurate way to measure hormones and see exactly what's going on. We can check blood work, but it's just like a little shot in the dark. But the saliva is the more accurate picture of what's going on.   So, I would recommend if you're having really heavy menstrual cycle, yes, you can try the seed cycling to start. That's harmless to try. But there might be more things going on that really need to be seen by a practitioner to help either support what hormone is low or detox another hormone that is excess.   Now, we are overall in our society getting a lot of excess estrogen. And that can be through plastics, we get a lot like trying to switch even just a bottle as I'm drinking through. We don't want to try and drink as much plastic out of plastic, we want to do like glass water bottles.   And like stainless steel water bottles better. Unless you're in a crazy rush and you forgot to bring one is better drink some water than no water. We've got to stay hydrated to have healthy bowel movements to have energy to our cells, all of that good water filter that filters out fluoride, chlorine, those things will affect the thyroid very much so. Thyroid hormones affect sex hormones and etc.   So, we want to get a good filter for the water so that we don't have to deal with the after effects of thyroid imbalances or if you're already dealing with thyroid imbalances. I understand because I've dealt with that myself. And so, we want to remove as many stressors because the thyroid needs iodine just to function.   And if we're getting fluoride and chlorine, those particular elements compete for iodine in the body. So, we got to get those out as best as we can get rid of excess estrogen. Through plastics, chemicals and detergents, like all of the chemicals that are exposed in detergents and cleaning products. As much as we can clean those up as well, it's going to be very, very helpful for thyroid, very helpful for sex hormones.   Laura Dugger: (18:16 - 18:26) Oh, that's interesting. So, those I don't even think of that are like store brand names for detergents that those could be endocrine disruptors, you're saying?   Emily Macleod-Wolfe: (18:26 - 18:45) That's great. Yes. So, endocrine disruptors are things that are going to cause imbalances to the thyroid, the sex hormones, or any of their other hormones in the body. Yes. So, we definitely want to try and stay away from those things.   Laura Dugger: (18:46 - 21:10) Let's take a quick break to hear a message from our sponsor.    With over 1,700 apartment units available throughout Pekin, Peoria, Peoria Heights, Morton, Washington, and Canton, and with every price range covered, you will have plenty of options when you rent through Leman Property Management Company. They have townhomes, duplexes, studios, and garden-style options located in many areas throughout Pekin.   In Peoria, a historic downtown location and apartments adjacent to the OSF Medical Center provide excellent choices. Check out their brand-new luxury property in Peoria Heights overlooking the boutique shops and fine dining on Prospect. And in Morton, they offer a variety of apartment homes with garages, a hot downtown location, and now a brand-new high-end complex near Idlewood Park.   Their beautiful, spacious apartments with private garages in a quiet but convenient location await you in Washington. And if you're looking in Canton, don't miss Village Square Apartments. Renters may be excited to learn about their flexible leases, pet-friendly locations, and even mini storage units available in some locations.   Leman Property Management Company has a knowledgeable and helpful staff, including several employees with over 30 years working with this reputable company. If you want to become a part of their team, contact them about open office positions. They're also hiring in their maintenance department, so we invite you to find out why so many people have chosen to make a career with them.   Check them out on Facebook today or email their friendly staff at leasing at lemanprops.com. You can also stop by their website at lemanproperties.com. That's L-E-M-A-N properties dot com. Check them out and find your place to call home today.    Okay, so I'm even thinking, so females my age or friends or older or younger women listening, even we have four daughters and so as they grow and mature, all of this is helpful. I'm assuming to start at a young age with getting rid of some of those toxins or not microwaving food on plastic plates, but then also you said detox. Is that through hydration or did you mean something else with detoxification?   Emily Macleod-Wolfe: (21:11 - 22:47) I can't get into this unless I saw somebody as a patient because I can't give across the board recommendation for this, but I will say because there are certain supplements and things that might be needed. Say there's excess estrogen in the body, there might be supplements that that person needs to help bring down those excess estrogen levels aside from food. But one thing that I do know that you can eat that helps overall is the more that you love and detoxify the liver. It's what has to process all the hormones.   One thing is broccoli sprouts, not broccoli, broccoli sprouts. So, you know, micro green sprouts, those ones, the broccoli sprouts are incredible at helping getting rid of the bad kinds of estrogen, detox those out of the body. So, that's really good.   Cruciferous vegetables, cooking your cruciferous vegetables though, because if you eat them raw, it can affect the thyroid negatively. So, it's best to, it could cause goiters and so we don't want that. It can be goitrogenic essentially.   So, we don't want that, but you could bake. I mean, you could cook cruciferous vegetables, broccoli, brussels sprouts, kale, etc., those cruciferous vegetables, spinach, all that. And those are great also for that. So, that can help.   The best one is the broccoli sprouts. Yes. And then getting saliva hormone testing done and seeing exactly where your body is at.   Laura Dugger: (22:48 - 22:53) Okay. Cause I'm wondering then could that even be a mineral deficiency when you're talking about supplements?   Emily Macleod-Wolfe: (22:55 - 27:11) Yeah, there definitely can be mineral deficiencies. It just, like I said, I've seen a lot of different variations, right? Excess estrogen, low progesterone, low menopausal, low everything.   Once the hormones bottom out, then they're kind of low across the board and the body might need bioidentical hormones to have extra support. It's cardioprotective, protective against cancers, protective for the bones, different things like that. Bioidentical is different than synthetic.   Synthetic hormones is like birth control, but synthetic hormones can, go see the last episode when we talk about leaky gut intestinal permeability, but the birth control can actually cause intestinal permeability too. So, that's a problem. Leaky gut can be from birth control, the synthetic birth control, and then the body's not even able to ovulate.   It's not able to release. There's just like the, the way that God designed it is we're actually, if you allow it to look at it as like a cleansing and a purging every month, that spiritually the Lord, if we allow the Lord, we don't have to dread it. It's so common in society to dread a period. Or, oh my gosh, again, here we go.   But how beautiful it's a celebration of the ability to give life. It's an opportunity to take some time to rest. It's a beautiful time to take some time to sit back and reflect, especially that week before the period.   Also try and not make big decisions the week before because the progesterone's bottomed out causing mood swings and then making decisions is going to be a lot more stressful and can lighten load and work a little bit that week before, a few days prior to your period. That would be very helpful. Stress levels really impact the cycle and also just trying to prepare the body for going through perimenopause and then menopause.   Wherever you're at in your health journey, life journey, it's, it's just so good to educate younger women to be really taking care of their adrenals, which is this, you know, the organ that produces stress hormone because high cortisol, which is the stress hormone produced by the adrenal glands, zaps progesterone and most women, that's probably why I see a lot of progesterone dipping so quickly. You need progesterone to have a healthy pregnancy. So, we're seeing a lot more miscarriages and infertility problems could be from low progesterone.   And, um, and then that will eventually bottom out with menopause because the ovaries are not producing it anymore. And the only place that we have progesterone left in reserves is in the adrenal glands. And so, if the stress has been going on for so long, then even the reserves of the backups of the backups are gone, the progesterone, which is why I see a lot of women going through a more extreme version of menopause than with the night sweats and the hot flashes and all those things that maybe didn't even have to happen.   Because, uh, if we take care of it on, on the earlier end of managing stress levels, going to bed at good times, getting full amount of sleep, women need eight to 10 hours of sleep. We will, I will just go ahead and say that because our hormones are very independent, dependent on our adrenal function. Men, they don't really have to rely on their adrenals as much as their other, other sex hormones and locations.   Um, so they don't have to deal with it as much as the women. So, we're constantly tied to a function of our adrenals really affects our sex hormones like crazy. And we're not getting the right amount of sleep.   Then we're going to have high stress levels, high cortisol, and then the high cortisol is where it is at the sex hormones. So, we need those reserves to be replenished and the, and the cortisol levels drop and melatonin kicks in and we're going to sleep so much better and sleep so much deeper.   Laura Dugger: (27:12 - 27:36) Wow. This is fascinating. And I love how you're even celebrating the cycle and how God created it because I'm forgetting one of them, but I heard that menstrual blood was tested, and they saw that it was detoxifying plastics and pesticides. And there was one other thing that the body was using to eliminate. And so that's a reminder just to be grateful for that too.   Emily Macleod-Wolfe: (27:36 - 29:08) And, uh, the birth control pill, it's a temporary fix. There are alternative forms of birth control that do not have the synthetic hormones that are good, good options, you know, and the synthetic hormones though, I've firsthand seen it with patients negatively impact the thyroid. And a lot of them have had to end up on thyroid medication just simply due to years and years of birth control and it impacting the thyroid and the cellular health as well as the lining of the gut and a lot of other side effects that I'm not a weight gain, different things.   And then the body not even being able to menstruate and fully excrete things. And, um, or even, you know, the, the cycle is an indicator, I think for women very much of like your monthly health, like how, how am I doing? Like if I'm having a really bad period, um, likely it was something that I had done this past month.   Okay. Did I eat right? Was I sleeping?   Was I incredibly stressed? Usually, you can trace it back to that. Now there's obviously other cases where, you know, PCOS and ruptured ovaries and different things like that, or ruptured cysts on the ovaries, sorry.   Um, then that can contribute to longer term diseases, but on a, it's almost like a litmus test to see how, how our bodies are doing.   Laura Dugger: (29:09 - 29:27) I like that perspective. And Emily, you're so great at giving proactive tips and I love easy wins. So, what are some of the best practices that you recommend for women to support healthy hormones and healthy adrenals in our bodies all month long?   Emily Macleod-Wolfe: (29:30 - 33:32) One is glucose management. So, protein, I cannot emphasize it enough protein sources, um, you know, good, healthy, as much as you can, grass fed organic meat. So, you're not getting the synthetic hormones from them because who knows what they're being fed and what they're being pumped with, but those sources, um, protein, other sources of protein, um, that's going to give you up to 15 hours of energy.   So, that is incredible. As far as eating for energy, I will say, if you can do that, that's, um, it's incredible. It's a game changer, eating for energy, protein, vegetables give us up to five to six hours of energy.   And then carbs, carbs give us, um, like if we had a piece of fruit, it only lasts in the system for 15 minutes. Or, um, potato chips, something like that, 15 minutes, that's not very long. And then the body says, ”I'm hungry again.” Then we ended up overeating because we just had the carbs and we're not full.   And so, that's why pairing the meals around the protein and then the fiber and then a healthy fat. Or like the protein, the fiber and a complex carb (sweet potato, brown rice, quinoa). Things like that is going to stabilize the blood sugar. So, there will not be cortisol stress levels spiked when we don't eat for too long, then it can cause the body to go into, um, stress overload. And there's four different stages of adrenal fatigue, cortisol, and that can affect the body very much.   So, spikes and crashes in glucose spike and crash the cortisol and then spikes and cortisol will steal your progesterone and then cause imbalances because progesterone keeps the estrogen in check. So, then you got estrogen and progesterone imbalances. Then there's DHEA, which is the other hormone that's made in the adrenals. So, sometimes DHEA, DHEA is incredible for building muscle, keeping muscle concentration, memory.   It's, wonderful at libido, all sorts of those things. Now, DHEA just decreases as we age. It's the precursor to testosterone as well, but it's also made in the adrenal glands.   And so, the more we can regulate cortisol and adrenal, sometimes high levels of stress, we've got to go back and think. Okay, um, we might not even feel stress, but if there's been physical abuse, emotional abuse, or sexual trauma, those are serious things that the body will hold on to. And unless you have gone to process, I recommend getting a Christian counselor and process those things because the body can literally still be holding onto it 20, 30, even 40 years, if it's not been let go and given to Jesus. And, um, so that is also a huge, we can't dismiss that or just try and fix the physical.   If there's been some stressors and the body has just been in survival mode and has to just keep going, then maybe it only knows how to live off of high cortisol stress reserves to just keep going. It doesn't, but if you have a hard time falling asleep, a hard time unwinding, feel like you're always on the go, those are like adrenal stages one and two high cortisol, but then that eventually will start to plummet. And then it's, um, you know, more difficult time getting out of bed and jumping straight out crash in the afternoon with energy crash after dinner crash before bed, um, or like wired and tired, like wired the brain's wired.   The body feels tired, but can't go to sleep. Then further stages waking up between 2:00 and 4:00 in the morning could be blood sugar, adrenal issues as well.   Laura Dugger: (33:32 - 33:41) Oh, could you speak a little bit more into that? Could be, the blood sugar related to the adrenal issues if you're waking up at that 2:00 to 4:00 AM time?   Emily Macleod-Wolfe: (33:42 - 34:47) Yes, it can be, the body signaling that the blood sugars drop too low. And then the cortisol has to, it can signal to the cortisol and the adrenals to spike to just keep the body going, survive. And then all of a sudden cortisol is spiking at night, which it should not, it should be done.   And melatonin should be happening at night and then cortisol in the daytime. So, if there's a cortisol spike because of a glucose crash, then, um, then we need to support it with, a spoonful of almond butter before bed, a handful of nuts, something, some protein before bed is going to, help someone, you know, in the middle of the night, stabilize the blood sugar. It can be a blood sugar issue with, cause blood sugar and cortisol are interconnected, but also should just check your cortisol levels, get a saliva test.   It's that saliva four point, um, test checks for sex hormones and cortisol, or we can.   Laura Dugger: (34:47 - 35:06) So. Okay. One more thing with that. So, then the blood sugar dropping that low, is that somebody who's maybe completing their closing, their eating window too early in the day, or they're not getting enough sugar throughout the day. Is that what you're saying with, why would it drop to that level and require cortisol?   Emily Macleod-Wolfe: (35:08 - 36:51) Great question. It would be, it could be the person's not eating enough throughout the day and the body just doesn't have the right. So, if the person was fasting quite frequently and doing that a lot now, everybody, everyone's body is different.   If you have adrenal imbalances, I do not recommend doing fasting because the body is already under stress and then fasting can put extra stress on the body. So then you're like, well, but then they said that if I fast and I should lose weight, and if you're fasting and you're gaining belly fat and you're gaining weight, it's a telltale sign cortisol because high cortisol level, puffy face, um, belly fat, stubborn, you can eat right exercise, try and do everything and it will not leave. That's usually survival mode. Body's trying to self-protect. Um, and so, yeah, so we don't want to be fasting very much if there's cortisol imbalances. Now, if there's not, and if you have your cortisol check, then there's great benefits to doing intermittent fasting and things.   And even biblically spiritually, there's incredible benefits to fasting. The Lord knows there's the cells literally repair themselves, regenerate and can eat up cancer cells. If we put our bodies into that ketosis state for good bit, but that is not something I would recommend doing high intensity exercise, or that's going to put a lot of cortisol stress on the body, high impact, um, or skipping a lot of meals.   So, that could be why the blood sugar is like dropping in the middle of the night.   Laura Dugger: (36:52 - 37:37) I just wanted to let you know, there are now multiple ways to give when you visit TheSavvySauce.com. We now have a donation button on our website and you can find it under the donate page, which is under the tab entitled support. Our mailing address is also provided.   If you would prefer to save us the processing fee and send a check that is tax deductible. Either way, you'll be supporting the work of Savvy Sauce Charities and helping us continue to reach the nations with the good news of Jesus Christ. Make sure you visit TheSavvySauce.com today. Thanks for your support.    Is there anything else that we haven't gotten to discuss yet that you want to make sure we don't miss out on?   Emily Macleod-Wolfe: (37:38 - 39:15) So what, when do you know if you're in perimenopause versus menopause? And like I said, if you're a woman in your twenties and you're like, that does not apply to me. Actually, it does because it's just, you don't want to get to menopause and have no reserves.   Progesterone left because you depleted it from high levels of cortisol over the years. So, lifestyle changes, the protein, smaller, more frequent meals, the consistent bedtime, trying to go to bed before midnight, like 10:00 PM is like a sweet spot. 10:00 PM to 2:00 AM is when the liver detoxes, when cholesterol gets flushed, all these different things.   Melatonin window for the body to like fall asleep and stay asleep is between 10 PM and like, there's sometimes it's even earlier. It just depends on the person. And I actually use a little app called Rise. It does a good job kind of helping you track where you're melatonin and when you're awake window, when to cut off eating and when to kind of wear blue light blocking glasses to prevent your body to blue light helps.   We set this in the last one, but blue light actually tells your body to stay awake. So, you don't want to be on your screens too late at night, or your body's going to be sending the signals to stay awake when you're trying to wind down. So, using softer lighting, doing candle lit, doing, you know, just mimicking outside when the sun goes down, we should be going down, going down to bed and sleep when the sun wakes up. That's when we should be getting up as well.   Laura Dugger: (39:15 - 39:38) So, and getting that morning sunlight that we talked about. So important. And I forgot one quick follow-up question. When you talked about cortisol, too high of cortisol contributing to belly fat, that stubborn or puffy face, what would the solution be? Is it just manage your stress better or what's the takeaway there?   Emily Macleod-Wolfe: (39:38 - 42:39) The takeaway is yes, there's things you can do glucose wise, blood sugar and food that we've talked about. Lifestyle wise, of course. I mean, a ton of it is we're American society that trophies busyness.   And like the Bible literally talks about the importance of rest and the Sabbath and like even humans, we were made on day six, but the first day we were actually doing things, Adam and Eve was day seven, was the day of rest. My dad's a pastor and he actually just gave a sermon on rest and the Sabbath just last week at Harvest Sound. But it was just all about that we were created out of rest.   Like we're there to start doing things out of that place of rest. And we just don't take that time. I mean, it's like, okay, we got to go, go, go, got to take care of the kids, got to go do this, go do this.   How are you doing? Oh, I'm so busy. How about you?   Like, it's almost like a trophy thing to say that, but really like, how about prioritizing that time? And it's so easy, especially as women and mothers to just say, oh, but I just want to take care of everybody else. But like, if you were to have a date with your friend, you wouldn't go overbook it with something else.   You would prioritize that. Are you going to go do something for your child? You're going to prioritize that.   So, I need you to also take time to prioritize your me time, prioritize the time. It's not selfish. It's necessary because you're going to be a better wife.   You're going to be a better mom. You're going to be a better friend. If you take care of the needs, whether that's taking an Epsom salt bath once a week, and that's spending time mourning sunlight or writing a list of gratitude, doing things, write a list of things that bring you joy and just pick two or three of those a day.   Like build that in - life's too short. Literally cortisol will kill you. Also, we didn't talk about that, but it's taking minutes off your life.   So, life's too short to have cortisol, unnecessary cortisol spikes. So, as much as we can,  it's prioritizing that learning the healthy boundaries saying no when needed to, and, not saying yes to everything. So, that is, it's a lot of those lifestyle things.   And then, fine tuning it with a health practitioner is great because everybody's spikes and crashes are in different places. Some people have high cortisol. Some people further on into the adrenal fatigue have low cortisol because the body doesn't have any more cortisol to give.   And that's a whole other list of symptoms of exhaustion and fatigue. And they might need actually glandular support and different, totally different supplements than someone that's got high cortisol, but they can present similarly as far as stubborn weight, puffiness, energy spikes and crashes and different things like that.   Laura Dugger: (42:40 - 43:04) So how incredible to get to follow up with a health professional then, and you are certainly one that we would recommend. And so even if we're out of state, but we could make a first appointment with you and figure out some way to do telehealth, can you just give us your website or share what you have to offer so that we can maybe make a follow-up appointment after this conversation?   Emily Macleod-Wolfe: (43:05 - 43:38) So it's pureintegrativehealth.com. And I could click on the tab, become a patient, just fill that form out. And then we can talk about a plan if you're in Tennessee, great.   We can just right away, we know you're in person. If you are out of state, I have to see you in person for the first initial eval and then we can come up with some hybrid plan of telemedicine in between visits and legally just need to be able to see you still once a year or something in person, but we could do the rest in telemedicine options.   Laura Dugger: (43:39 - 43:58) So yeah, it's a wonderful option. We will link to that in the show notes for today's episode. And Emily, you're already familiar that we're called The Savvy Sauce because savvy is synonymous with practical knowledge or insight. And so as my final question for you today, what is your Savvy Sauce?   Emily Macleod-Wolfe: (43:59 - 46:04) Well, in regards to this topic today with hormones, I would say my Savvy Sauce is actually, it would be around getting that bedtime routine down packed in order to have an eight to 10 hours of like actual sleep because the mind does a brain sweep and gets rid of toxins in the brain between seven and a half hours and nine hours. It's happened somewhere in that window. And so if we're skipping out on sleep, we're missing out.   If you're getting even six hours, you're missing out on the neural brain sweep that actually gets rid of the toxins that prevent Alzheimer's, dementia, a lot of other problems. The metabolism at nighttime, the body literally burns fat at night. We have to get sleeping.   And so, and if you're having problems sleeping, you're like, I want to sleep, but I haven't, then I would recommend start looking into different forms of magnesium. I can't get into it fully today because there's seven different kinds of magnesium, but there are some that will actually help with sleep. And so talk with your practitioner about the best forms that could help you increase your sleep as well, because most of us can be deficient in that and creating that really, really healthy rhythm.   Just knowing your why behind why you're sleeping is also really helpful because it's like, you can hear a lot of people say, you need to get more sleep. I should go to bed, do this, but why? It's actually getting a neural sweep, liver is detoxing, cholesterol is cleansing.   God does an incredible thing with our dreams. We're literally flushing and processing all the things from the day. And so, talk about stress and adrenals.   We got to help heal through our sleep.   Laura Dugger: (46:05 - 46:26) Wow. Thank you for leaving us with that word. There's so much more we could cover.   And ever since our first interaction, you have just been overflowing with kindness and graciousness and generosity with your time and sharing your knowledge. You're so kind, but I have just loved spending this time with you. Thank you so much, Emily, for being my repeat guest.   Emily Macleod-Wolfe: (46:27 - 46:32) Oh, my goodness. Thank you so much, Laura, for having me again. This has been wonderful. I really appreciate it.   Laura Dugger: (46:33 – 50:15) One more thing before you go. Have you heard the term gospel before?   It simply means good news. And I want to share the best news with you. But it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there is absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death, and we can never pay back the sacrifice we owe to be saved.   We need a savior. But God loved us so much, he made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life we could never live and died in our place for our sin. This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus.   We can be covered and justified through the work Jesus finished if we choose to receive what He has done for us. Romans 10:9 says, “That if you confess with your mouth Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.” So, would you pray with me now?   Heavenly Father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you. Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life?   We trust you to work and change lives now for eternity. In Jesus' name we pray. Amen.   If you prayed that prayer, you are declaring him for me, so me for him. You get the opportunity to live your life for him. And at this podcast, we're called The Savvy Sauce for a reason.   We want to give you practical tools to implement the knowledge you have learned. So, you ready to get started? First, tell someone.   Say it out loud. Get a Bible. The first day I made this decision, my parents took me to Barnes & Noble and let me choose my own Bible.   I selected the Quest NIV Bible, and I love it. You can start by reading the book of John. Also, get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ.   I'm assuming they will be thrilled to talk with you about further steps, such as going to church and getting connected to other believers to encourage you. We want to celebrate with you too, so feel free to leave a comment for us here if you did make a decision to follow Christ. We also have show notes including where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “In the same way I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.