Podcasts about Responsibility

I've often heard from Progressors who question how to prioritize personal time amidst a bustling life. Practically speaking, the steps to prioritize yourself include putting your interests on the calendar, seeking support, and ensuring accountability. Rewarding yourself afterward and starting small makes this process more enjoyable and manageable. When using your Do Something List (DSL), keep it visible, adjust it as needed, and don't hesitate to reach out for a bit of accountability from others. I've found that sharing my progress openly encourages consistency. So, to all Progressors out there, place just one thing on your calendar this month and witness how this small step can lead to valuable growth. Get the free DSL Training. Sign up as a Supporter to get access to our private, premium, ad-free podcast, More Personal. Episodes air each Friday! More for Moms Conference use code “LISTENER” for $20 off Leave a rating and review Check out my ⁠workshops⁠! Follow About Progress on YOUTUBE! Book Launch Committee Full Show Notes Transform your space now. Go to https://www.quince.com/monica for free shipping on your order and 365-day returns; Get organized, refreshed, and back on track this new year for WAY less. Head to Wayfair.com right now to shop all things home; Join Masterclass for 15% off at masterclass.com/progress Learn more about your ad choices. Visit megaphone.fm/adchoices

Too many parents today aren't raising future adults — they're raising roommates. Kids who expect everything, contribute nothing, and grow up without the skills, discipline, or resilience they need to stand on their own.In this episode of Raising 10, Ed Franklin breaks down the hard truth: entitlement isn't a kid problem — it's a leadership problem in the home. Ed shares the lessons he learned raising ten children, the standards that shapedhis family culture, and the mistakes he sees modern parents making every day.From chores to accountability to emotional resilience, this episode exposes the gap between what parents say they want and what they're actually teaching.If you want to raise leaders — not dependents — this conversation will challenge you, sharpen you, and change the way you show up at home.#RaisingLeadersNotRoommates#ParentingWithPurpose#EndEntitlement#LeadershipAtHome#RaiseAdultsNotKids#ParentingTruths#FamilyCulture#AccountabilityMatters#ResponsibilityStartsAtHome

In episode 179 of Cybersecurity Where You Are, Sean Atkinson and Tony Sager conclude their discussion of 2026 cybersecurity predictions from seven CIS experts, as shared on the CIS website.Here are some highlights from our episode:01:09. How threat actors' adoption of Agentic AI is reshaping the defender's dilemma06:28. Public confidence: The primary focus for attackers seeking to undermine U.S. elections10:43. The surge in threat actors targeting operational technology and critical infrastructure12:29. Responsibility and the cost of fixing flawed things instead of secure by design16:29. Secure by design: An invitation to rethink architecture and plan for future adaptability17:24. Meeting cloud service prioritization with a foundation of defense for all things25:44. Supporting state and local cybersecurity maturity with both competence and character41:00. Feedback: The key to adapting security controls to evolving threats and technology use50:23. Embedding security into the heart of a businessResourcesEpisode 169: 2026 Cybersecurity Predictions from CIS — Pt 1Episode 174: 2026 Cybersecurity Predictions from CIS — Pt 2Multi-State Information Sharing and Analysis Center®CIS Critical Security Controls®How to Defend Against Iran's Cyber Retaliation PlaybookEpisode 178: Appropriate Defense to Iranian Threat ActivitySecure by DesignCollective SLTT Cyber DefenseEpisode 144: Carrying on the MS-ISAC's Character and CultureMonitoring and Support During the CrowdStrike Falcon OutageEpisode 110: How Security Culture and Corporate Culture MeshIf you have some feedback or an idea for an upcoming episode of Cybersecurity Where You Are, let us know by emailing podcast@cisecurity.org.

Plastic products cost us, even after we're done with them — That's because municipal recycling is paid with taxpayer money. But could the companies that made these products be responsible for paying for them?

"Taking Responsibility for Your Affair" - Listen to my Morning Monologue: I'm sharing my take on pressing issues, enlightening research on human behavior, answering questions I get by email, and my favorite, most instructive interactions with callers. Everything you'll hear is designed to help you become a better spouse, parent, family member, co-worker, friend, and human being. It's the free therapy you need!  Call 1-800-DR-LAURA / 1-800-375-2872 or make an appointment at DrLaura.com Follow me on social media: Facebook.com/DrLaura Instagram.com/DrLauraProgram YouTube.com/DrLaura Join My Family!! Receive my Weekly Newsletter + 20% off my Marriage 101 course & 25% off Merch! Sign up now, it's FREE! Each week you'll get new articles, featured emails from listeners, special event invitations, early access to my Dr. Laura Designs Store benefiting Children of Fallen Patriots, and MORE! Sign up at DrLaura.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

I believe most of us are living far below our capacity for joy and fulfillment and wholeness. The fear of failure, of the unknown, of being uncertain holds us back from being willing to take a risk and change the trajectory of our lives. But if we want to experience something different, we have to dream something different and then courage up to create it. And it is all up to you. Thanks for listening!  Want to learn more about this concept?  Check out these podcasts: #59 My Life, My Creation, My Responsibility on Apple on Spotify #76 Finding My Wings  on Apple  on Spotify #93 Finding Fulfillment on Apple on Spotify #118 100% Responsibility  on Apple  on Spotify #131 The Gift of Life on Apple on Spotify #149 The Importance of Discomfort  on Apple  on Spotify #150 Living in Possibility  on Apple  on Spotify #152 Victim or Hero? on Apple on Spotify #183 Taking Risks and Becoming  on Apple  on Spotify #201 The Tolerable Life  on Apple  on Spotify #238 Overflow on Apple on Spotify #276 When You Don't Like Change on Apple on Spotify #361 A Luxurious Life, part 1 on Apple on Spotify #362 A Luxurious Life, part 2 on Apple on Spotify Are you curious about what it would be like to work with me? Here are three options: Group coaching classes are available at tanyahale.com/groupcoaching Talk with Tanya is a free monthly webinar where you can ask me anything and we can have a great discussion.  You can sign up for that at tanyahale.com/groupcoaching Interested in a free 90-minute coaching/consult with me?  Access my calendar at: https://tanyahalecalendar.as.me/

Sean Martin shares the real story behind his journey from a Bronx housing project and prison sentence to building businesses and stepping into purpose. A grounded conversation about faith, responsibility, and what it actually takes to rebuild a life. Key Points from the Episode: -Sean Martin's upbringing in the Bronx and the realities of growing up in public housing -How prison became a turning point that forced clarity and self-development -The mindset shift from chasing money to building purpose -Lessons from building a successful medical supply business -The role of faith, family, and personal responsibility in long-term success -Why proximity and mentorship accelerate growth -The importance of vulnerability and honest leadership Subscribe to the Solid Podcast and watch more full episodes like this. STAY SOLID!

Sermon 3-15-26 // Pastor Bryce Taylor

WATCH PREVIOUS EPSTEIN FILES EPISODE: https://open.spotify.com/episode/1xHJLnrhSVWxsb7OIEb00n?si=6e745f4d9a7f43c7 JOIN PATREON FOR EARLY UNCENSORED EPISODE RELEASES: https://www.patreon.com/JulianDorey CLIPPERS DISCORD: https://discord.gg/8QmWEKJ3BT FOLLOW JULIAN DOREY IG: https://www.instagram.com/julianddorey/ X: https://x.com/juliandorey JULIAN YT CHANNELS - SUBSCRIBE to Julian Dorey Clips YT: https://www.youtube.com/@juliandoreyclips - SUBSCRIBE to Julian Dorey Daily YT: https://www.youtube.com/@JulianDoreyDaily - SUBSCRIBE to Best of JDP: https://www.youtube.com/@bestofJDP ****TIMESTAMPS**** 0:00 - Intro 0:38 - Epstein Child, Princess Diana 3:05 - Insane Podcast incoming 5:39 - Responsibility to protect Identities, Sayer Ji 7:53 - Jared Kushner, Professor Jiang, Distractions 13:29 - Zorro Ranch, Comey's Daughter & Epstein 15:46 - Epstein Zorro Ranch & Island Fixers VANISH 19:31 - Zorro Ranch & Epstein Island NEW owners 24:28 - Steve Bannon 31:34 - Epstein was a Dad NEW Evidence 37:23 - Bill Gates, Epstein & the Taliban 46:16 - Kash Patel 49:08 - Epstein Dr*g Tr*fficking 53:36 - Ghislaine Maxwell & Princess Diana 1:02:02 - Ghislaine Maxwell & World Order 1:07:52 - Jared Kushner Disturbing Epstein links 1:14:35 - Alexander Brothers HORRIFIC Case 1:17:35 - Alexander Bros & Epstein link 1:22:01 - Kushner, Alexander Bros & White House 1:26:08 - Charles Kushner Embarrassment 1:28:19 - Kushner & Ghislaine Maxwell 1:30:01 - Epstein Accountant 1:31:26 - Show goes on CREDITS: - Host, Editor & Producer: Julian Dorey - COO, Producer & Editor: Alessi Allaman - https://www.youtube.com/@UCyLKzv5fKxGmVQg3cMJJzyQ - In-Studio Producer: Joey Deef - https://www.instagram.com/joeydeef/ Julian Dorey Podcast Episode 396 - Julian Dorey Music by Artlist.io Learn more about your ad choices. Visit podcastchoices.com/adchoices

This concept of 100% responsibility is very, very popular now. The thing is, it is a problematic philosophy. Let's unpack why as well as what to do instead. 

In this episode, Trisha sits down with Mac to explore what happens when dialogue has run its course, and agreement still is not possible. While healthy organizations value conversation, listening, and discernment, there are moments when leaders must move forward even when consensus cannot be reached. Together, they examine two common leadership traps. Some groups skip meaningful dialogue and rush to decisions. Others stay in conversation indefinitely, believing that enough discussion will eventually produce agreement. Trisha and Mac discuss how leaders can avoid both extremes by creating clear processes for decision making, defining responsibility, and building the maturity required to remain connected even when people disagree. Throughout the conversation, they reflect on the deeper work that takes place in these moments. Leadership is not only about making good decisions but also about who people become as they navigate conflict, disappointment, and differing convictions together.   Mac is a pastor and leadership team member with The Leader's Journey. His work focuses on helping church leaders grow in emotional maturity, navigate difficult conversations, and develop healthier leadership cultures within their organizations.   Conversation Overview Two Common Ditches in Dialogue When Consensus Becomes a Barrier Defining Yourself Without Demanding Agreement Deciding How Decisions Will Be Made Authority, Responsibility, and Leadership Clarity Staying Connected When Disagreement Remains   References and Resources    Mac McCarthy - The Leader's Journey Register for the "When Dialogue Isn't Enough" conversation on March 26 Find Us on YouTube

Today's episode is a very honest conversation about how I used plant medicine to decondition my wealth codes — and what that actually means. I'm going to walk you through how I went from intellectually understanding abundance… to realizing I was still operating from fear around money, visibility, and survival. I'll share: The moment I realized I was looping in subconscious scarcity. My first experience with 5-MeO-DMT and what it revealed about money being an illusion of power. How I built a 9-month relationship with psilocybin — not as an escape, but as a discipline. Why integration is 90% of the work. How cleaning up my body, boundaries, and habits came before the money shifted. And how this entire journey led to the birth of the PAIED Method and a deeper embodiment of my sovereignty. This is not an episode advocating for or against plant medicine. It's a conversation about: Responsibility. Integration. Faith. And the difference between chasing altered states and actually transforming your life. If you've ever felt spiritually aware but financially capped… If you've ever believed in abundance but still felt stuck… Or if you're curious about psychedelics and want to hear a grounded, long-term perspective… This episode will give you a very real look at what this journey actually required of me.   Join the waitlist for our next FREE live training HERE Download your Wealth Codes HERE  Get the Email Series that Pays HERE   

As the Eyres continue their March theme of how to live the second half of life financially, they focus today on things grandparents can do to assist children financially without fostering attitudes of entitlement. Ideas like an interest-paying Grandparents Bank, Matching Grants, and Custodial Roth IRAs are discussed. All must be done in consultation and agreement with the parents.

Krystopher Scroggins

Send a textIn Episode 44 of our Mystical Theology, we begin our overview of the theology of Dionysius the Areopagite, one of the most challenging figures in the history of Christian doctrine.ACKNOWLEDGEMENTS: I wish to express my indebtedness to the spoken and written traditions of Mtp Kallistos Ware, Vladimir Lossky, Fr. John Romanides and Mtp Hierotheos Vlachos. Responsibility for the content of my presentations is of course mine alone. ©Christopher Veniamin 2026Join the Mount Thabor Academy Podcasts and help us to bring podcasts on Orthodox theology and the spiritual life to the wider community. Support the showDr. Christopher Veniamin Join The Mount Thabor Academyhttps://www.buzzsprout.com/2232462/support THE MOUNT THABOR ACADEMY (YouTube) THE MOUNT THABOR ACADEMY (Patreon) Print Books by MOUNT THABOR PUBLISHING eBooks Amazon Google Apple KoboB&NFurther Info & Bibliography The Professor's BlogFurther bibliography may be found in our Scholar's CornerContact us: info@mountthabor.com...

Managing feelings and emotions can be a complicated part of life. When we're angry, sad, or frustrated it's all too easy to blame our negative feelings on someone else. Sometimes we have a difficult time separating our own emotions from the emotions of others. We can even create codependent relationships by caretaking the feelings of others, rather than allowing them to do emotional work for themselves. Learning to be emotionally autonomous is a skill that we can hone once we start taking accountability for our own inner worlds. Your feelings are your responsibility… full stop. As we wander through the muddy forest, reflect on your emotional landscape. How healthy are your boundaries? What work is yours to do? What am I reading?The Ferryman and his Wife by Frode Gryttenhttps://bookshop.org/a/111301/9781643757452Wild Mercy: Living the Fierce and Tender Wisdom of the Women Mystics by Mirabai Starrhttps://bookshop.org/a/111301/9781683641568https://bookshop.org/shop/witchywomanwalkingWhat's playing on repeat?Up, Up, and Away by Jack HarrisWhat's for dinner? Mediterranean Chicken Quinoa Salad Shredded chicken 2 cups cooked quinoaCucumberCherry tomatoes halvedFresh spinach1 can chickpeas Fresh dillChopped olivesGoat cheese crumbledOlive oilApple cider vinegarFresh lemon juiceMinced garlic Pickled onions Salt and pepperInstructions: Marinate and cook chicken, shred into bite-sized pieces or use precooked rotisserie chicken. Cook quinoa according to instructions. Wash and dice cucumbers, tomatoes, olives, fresh spinach, and fresh dill. Add olive oil, vinegar, lemon juice, mustard, garlic, and salt and pepper to a big bowl, mix. Toss in veggies, chicken, chickpeas, and quinoa. Mix thoroughly, season to taste, sprinkle with goat cheese. Enjoy! Lavender CookiesIngredients:4 tablespoons unsalted butter, melted1/3 cup granulated sugar1/2 teaspoon culinary grade lavender buds1 large egg yolk 1/2 teaspoon vanilla extract3/4 cup all-purpose flour1/4 teaspoon baking soda1/8 teaspoon fine saltInstructions:Preheat the oven to 350 F, and line a baking sheet with parchment.Place the butter in a microwave-safe bowl, and melt it in the microwave in 25 second intervals until fully melted. In a food processor, combine the sugar and lavender buds and pulse a few times.Stir together the melted butter, lavender sugar, egg yolk, and vanilla extract. Stir very well to combine.Next, sprinkle the flour, baking soda and salt evenly over the dough, and stir just to combine.Press the dough flat and evenly in the bowl, and then divide it in half. You should get 3 cookies from each half.Support the show

Some people say rules are made to be broken, but that mindset can quietly work against you when it comes to your boundaries. In today's episode, “Every Boundary You Honor Strengthens a Relationship — Especially This One,” Jacquette shares why asking her clients about the rules they set, and how faithfully they follow them, reveals the true health of their relationship with money.A boundary isn't just a polite way to express needs. They're reflective of your self‑awareness, your standards, your communication, and your responsibility; the very qualities that shape how you lead and how you do business. When you can honor your boundaries even under pressure and influence, you're already operating from a place of alignment, clarity, and strength. And that puts you miles ahead when money enters the picture.Boundaries aren't restrictions. They're alignment. They're self‑respect in action. Tune in to explore how honoring your boundaries is one of the most powerful ways to honor yourself.Clarity: Money Clarity | 5 Questions You Need to Ask Yourself — Jacquette TimmonsWant More? Check Out:www.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/JacquetteSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode Overview In this episode of the Agent to CEO Podcast, John Kitchens sits down with longtime operator and real estate leader Stace Bohlender to unpack the critical shift every high-performing agent eventually faces—moving from top producer to true CEO. Stace shares the behind-the-scenes story of stepping into ownership, transitioning from selling homes to running a company, and learning how to think differently when the responsibility shifts from transactions to leadership, operations, and long-term strategy. From surviving one of the toughest real estate markets in recent memory to building an exit strategy through real estate investing, Stace breaks down the mindset, systems, and financial discipline required to build a business that produces wealth—not just income. This episode is a masterclass for agents who feel stuck in production and want to start building assets, leverage, and long-term financial freedom. Key Topics Covered The Moment Everything Changed: Becoming the Owner Stace reflects on the moment the opportunity to buy the company became real. What began as a career focused on listing homes quickly transformed into full leadership responsibility. Suddenly the role included: Managing employees Overseeing company finances Running marketing strategy Managing budgets and operations Protecting the reputation of the brand The shift forced a completely new way of thinking about the business. "You wake up one day and realize this isn't just about selling houses anymore." The Mindset Shift: Nobody Is Coming to Save You One of the most powerful realizations Stace shares is simple: Nobody is coming to save you. This realization created the urgency to: Develop a growth mindset Take ownership of personal development Build wealth intentionally Stop relying solely on transactional income Responsibility for family, employees, and the business forced a higher standard of discipline. Running Every Decision Through a Filter As CEO, Stace developed a decision-making filter to evaluate every opportunity. Each decision must answer: Does this improve the business financially? Does this improve quality of life? Does it align with our company values? Will it move the company forward? This process eliminates distractions and protects the business from chasing shiny objects. Why ROI Must Drive Every Business Decision Stace explains why agents often waste money on marketing without understanding the math behind their investments. Every marketing expense must answer one question: Does the return justify the cost? Understanding acquisition cost, commission splits, and operational expenses allows leaders to determine whether a lead source truly makes financial sense. Getting "Skinny" During Tough Markets After the challenging market conditions of 2023–2025, Stace and his team made a strategic decision to simplify their operations. Their approach included: Cutting unnecessary marketing expenses Evaluating every operational cost Narrowing marketing channels to what actually works Eliminating distractions and focusing on productivity Instead of trying everything, they focused on what consistently produced results. Building an Exit Strategy Through Real Estate Stace emphasizes that transactions alone rarely produce long-term financial freedom. Instead, he focuses on building wealth through real estate investments, including: Rental property acquisition Property flips Equity growth Leveraging investment properties The goal is simple: build assets that eventually replace transactional income. The Importance of Multiple Income Streams One of the most important lessons from Stace's journey is diversification. Rather than relying only on commissions, successful real estate entrepreneurs should consider income streams such as: Real estate investments Property management Brokerage ownership Team revenue House flipping Multiple streams create financial stability even when the market shifts. Real Estate as the Ultimate Opportunity Engine One of the biggest advantages of a real estate career is access. Agents build relationships with: Investors Attorneys Contractors Bankers Developers Community leaders These relationships unlock deal flow and investment opportunities that most people never see. Stop Thinking. Start Doing. Stace shares one of the most important pieces of advice for agents who want to grow: Stop overthinking and start executing. Many agents delay investing because they believe they need more time, knowledge, or capital. But the real breakthrough happens when the first deal gets done. After that, momentum follows. Resources & Mentions Seven Figure Strategy Call → 7FigureCall.com John Kitchens Executive Coaching → JohnKitchens.coach Final Takeaway The biggest difference between an agent and a CEO isn't production. It's how they think about the business. Agents focus on closing deals. CEOs focus on building assets. When agents learn to use their real estate business as a vehicle for investments, partnerships, and long-term opportunities, the game changes completely. As Stace Bohlender reminds us: "Stop thinking and start doing." Connect with Us: 7 Figure Audit: 7figurecall.com Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!

Romans, Principle 25 – Civic Responsibilities     Romans 13:1-7     To live in God's will, we are to be good citizens.NEW! - Let us know what you think of the program! Support the show

Jenn talks about trying to blow off some responsibilities... until later.

This is a question most men never ask themselves…“If I died tomorrow… would my family actually be okay?”Not emotionally.Financially.A few weeks ago I heard a story about a successful celebrity who passed away unexpectedly. From the outside, it looked like he had everything — success, influence, and wealth.But after he died, something surprising happened.His family had to start a GoFundMe.Not because people didn't love him… but because something incredibly simple wasn't in place.And it made me stop and think about something deeper that most men rarely talk about:Responsibility.Stewardship.Protection.In this video we talk about what it really means to be a provider — not just when life goes right, but when the unexpected happens.Because real provision isn't just about earning money today.It's about protecting the people God has entrusted to you tomorrow.If you want to explore what protection might look like for your family, you can learn more here:

The voices in our head are always speaking, often influencing how we see ourselves, others, and the world around us. Some are rooted in past experiences, fear, or conditioning. While others offer wisdom, intuition, and truth. When we don't pause to question these inner messages, they can quietly run our lives, fueling self-doubt, stress, and disconnection. By learning to recognize where these voices come from and how they shape our thoughts and reactions, we gain the power to respond with awareness instead of habit. I will share how choosing to rewrite the story can lead us to compassion, curiosity, and truth which allows us to create inner peace, strengthen confidence, and live with greater clarity and intention. Now you can listen commercial free at your leisure…Click here and let's grow together: Lillian McDermott, Creating Peace with The Voices in Our Head If you love this podcast episode, share it with a friend. The Lillian McDermott Radio Show/Classroom ~ When You Need a Friend… PREMIERE:  Telegram, Facebook, YouTube, WhenYouNeedaFriend.com SUBSCRIBE, LIKE, & FOLLOW:    Facebook, Instagram, X, Website, Odysee, BitChute, YouTube! LISTEN:  Amazon Podcast, Apple Podcasts, YouTube Music, Spotify, Pandora, TuneIn, iHeartRadio! CALL or TEXT: 407-373-5959 “You can take a pill, or You can take Responsibility!” ®

It's the day after the release of the Mandelson files and now attention is turning to what isn't in the documents. Crucially, we don't know how the Prime Minister responded once he was presented with clear evidence that the Labour peer had a close friendship with Jeffrey Epstein.Sir Keir has insisted to Parliament that due process was followed at all times. But Tim and Camilla ask: do the revelations contained in these files make a mockery of that claim?Plus, the Government has pushed ahead with a formal definition of anti-Muslim hate despite concerns that it will be used to suppress free speech. We're joined by the former Tory MP and lawyer Dominic Grieve, who co-wrote the new definition, to ask why Labour is prioritising this kind of discrimination just as anti-Semitism is on the rise.We want to hear from you! Email us at thedailyt@telegraph.co.uk or find @dailytpodcast on TikTok, Instagram and X► Sign up to our most popular newsletter, From the Editor. Look forward to receiving free-thinking comment and the day's biggest stories, every morning. telegraph.co.uk/fromtheeditorProducers: Lilian FawcettSenior Producer: John CadiganExecutive Producer: Charlotte SeligmanVideo Producer: Will WaltersStudio Operator: Meghan SearleSocial Producer: Nada AggourEditor: Camilla Tominey Hosted on Acast. See acast.com/privacy for more information.

In this episode, Steve Hall and Eric Helms discuss the evolution of their podcast, the importance of community feedback, and the dynamics of online culture. They delve into personality traits that influence social media behavior, the misconceptions surrounding pop science, and the significance of evidence-based practices in coaching and bodybuilding.  Eric shares insights about his new role in academia and the responsibilities that come with it, while also exploring the 1% factors that can lead to success in bodybuilding. The conversation wraps up with a discussion on supplements, health practices, and the importance of being informed about one's health. If you're in the market for some lifting gear or apparel, please consider supporting our friends over at elitefts.com (and use code "MRR10" for a 10% discount!) Chapters 00:00 Introduction and Naming the Podcast 02:48 The Psychology of Online Fitness Culture 05:39 Personality Traits and Social Media Engagement 08:05 Debunking Pop Psychology Myths 10:48 The Evolution of Online Coaching 13:49 Eric's New Role and Responsibilities 16:40 Leadership in Academia 19:22 The Structure of Academic Institutions 22:10 Reflections on Leadership and Responsibility 37:07 The Pursuit of the 1% in Bodybuilding 40:04 Training Philosophy and Personal Context 43:01 Evaluating Training Volume and Time Management 45:41 Investing in Muscle Growth: The Cost-Benefit Analysis 49:27 The Role of Supplements and Nutrition 55:39 Final Thoughts and Future Discussions

Since President Trump's return to office, his net worth has nearly doubled to an estimated $7 billion. He's used his office to promote his family's cryptocurrency businesses, pardoned investors and allies, accepted lavish personal gifts and tipped off oil executives before raiding Venezuela. “The Trump family's staggering indifference to blurring the lines between politics and corporate interest once again demonstrates how Trump's presidency is being used to enrich himself and his family rather than serving the needs of the American people,” reports the nonprofit, nonpartisan watchdog group Citizens for Responsibility and Ethics in Washington (CREW). We talk with CREW president Donald Sherman and investigative journalist Andrea Bernstein about the many ways corruption appears to be occurring in the second Trump Administration. Guests: Andrea Bernstein, Peabody and duPont-Columbia award-winning investigative journalist; author, “American Oligarchs: The Kushners, the Trumps, and the Marriage of Money and Power"; co-host of four podcasts, including “Trump, Inc.” Donald K. Sherman, president and CEO, Citizens for Responsibility and Ethics in Washington (CREW) Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether you are fighting as an individual or as an organization, what are your expectations? What does it mean and why does it matter? In this episode we break down what each means and how you can help. Getting involved is not an option, it's a responsibility.    IG - heathhyatt147 FB Heath Hyatt Youtube - Heath Hyatt    Follow our Sponsors: Inukshuk  Darkenergy OnX  Double U Hunting Supply Quick-track.com Muddy River Transport    Inukshuk: Inukshukpro.com Corey.ca   Darkenergy:  best-charging banks on market. Discount code is CODE4 darkenergy.com   Frontline Optics- Duty sunglasses Polarized No questions asked replacement Charitable Donation with every pair Free shipping Frontline-Optics.com use promo code - CODE4 https://frontline-optics.com?sca_ref=5672409.03I05MEwyy     Subscribe to:  Full Cry Magazine Bear Hunting Magazine Southern Hound hunting Magazine  American Bear Foundation   For the best lights in the business Check out: Cajunlights.com    Get all your hound hunting gear at Double U. Products every hound hunter trusts to keep up with their pack. Double U Hunting Supply.com We would like to thank those who support this podcast. Special thanks to Double U Hunting Supply for sponsoring this episode. www.dusupply.comhttps://www.youtube.com/@DoubleUHuntingSupply/podcasts

In episode 332 of the Glass and Out Podcast we're joined by Head Coach of the St. Norbert College Green Knights, Tim Coghlin. Over the past 32 seasons, Coghlin has turned the St. Norbert hockey program into one of the finest college hockey programs in the country. During that time, the Green Knights have appeared in 21 NCAA DIII tournaments, captured five national titles, and posted over 700 wins, making Coghlin the all-time wins leader at the DIII level. In addition to leading a model program, former players can be found making an impact in their respective fields and communities. That includes reigning Jack Adams Award winner and head coach of the Washington Capitals, Spencer Carberry. Listen as he shares why successful teams have noisy benches, why creating offence starts with defensive structure, and the responsiblity that college coaches have to their players' parents. Watch on YouTube: https://youtu.be/MW31RYpe_pg Secure your TCS Live ticket: https://thecoachessitelive.com/ Download the TCS app: https://www.thecoachessite.com/app Learn more about our presenting sponsors: Biosteel: BioSteelTeams.com/Glassandout Hudl: hudl.com/tcs

I have had many healthcare professionals share the dangerous side effects of GLP-1s. But, when Thomas Levy, MD, JD, a world-renowned cardiologist and expert in integrative medicine, wrote an article on this topic, I am ready to learn more. GLP-1 medications have opened new doors for people struggling with metabolic imbalance. Yet medication alone rarely tells the whole story of healing. Dr. Levy's research showed him how vitamin C, a foundational nutrient essential for cellular energy, immune resilience, and vascular health, may complement GLP-1 therapy. It supports the body at a deeper biochemical level. Rather than viewing GLP-1 as a standalone solution, Dr. Levy will teach us how vitamin C, along with intelligent nutritional support, can help protect the body, enhance outcomes, and promote long-term vitality while using a GLP-1 option. Now you can listen commercial free at your leisure…Click here and let's grow together: Thomas Levy, MD, JD, The Benefits of Combining GLP-1 with Vitamin C If you love this podcast episode, share it with a friend. The Lillian McDermott Radio Show/Classroom ~ When You Need a Friend… PREMIERE:  Telegram, Facebook, YouTube, WhenYouNeedaFriend.com SUBSCRIBE, LIKE, & FOLLOW:    Facebook, Instagram, X, Website, Odysee, BitChute, YouTube! LISTEN:  Amazon Podcast, Apple Podcasts, YouTube Music, Spotify, Pandora, TuneIn, iHeartRadio! CALL or TEXT: 407-373-5959 “You can take a pill, or You can take Responsibility!” ®

Hosts Jim White, Brother Dave White, Super Dave Weldon and Jam Bacchus open Episode 220 with laughs, crew updates, and a progress report on downloads and followers. The episode covers driver news and shout-outs, new hires and anniversaries, reminders about cab cards and registration stickers, the rollout of eDVIRs, and fuel/idling tips. A major focus is accountability at Coors — new photo requirements, load and tarp checks after recent spills, and site-specific safety rules for heavy hauls. Mechanics and trailer defect procedures are also reviewed. The podcast closes with leadership tips on respect, overcoming fear, practical loading tricks, and the JFW creed encouraging safety and teamwork.

In this episode of the Talk My Credo Podcast, the crew welcomes its newest addition DeeDee aka Dee Thee Grey as chaos ensues. Get ready as they cover a variety of topics including Israel's influencing the US into a war with Iran, the NAACP Image Awards determined effort to respond to the controversy surrounding the BAFTAS, a hilarious translation of Lion King lyrics, North Carolina rapper DaBaby exposing an agenda that directly affected his success, Rock & Roll legend Gene Simmons believes Hip Hop doesnt belong in the Rock & Roll Hall of Fame, and the discussion of new Rock & Roll group The Paradox and an impending shift of black music. Buckle up yall, you're in for a wild ride on this one! Tap in and lets get active!!-------------------------** CHAPTERS **00:00 Introduction and New Faces05:05 Short People and Their Unique Perspectives07:51 Political Shenanigans and Trump's Controversies09:21 Creative Minds in the Passenger Seat12:15 The Impact of War on Innocent Lives19:56 Voting Dynamics in the Black Community21:05 Understanding the Hispanic Vote for Trump24:06 Political Perspectives on War and Leadership30:16 The Importance of Local Voting33:17 Parenting and Relationships: A New Perspective35:36 The Lion King's Hidden Meanings36:57 Childhood Trauma and Emotional Responses38:01 Cultural Interpretations of Lion King Songs41:55 Controversy at the BAFTAs and NAACP Image Awards46:35 Racism and Tourette's Syndrome Discussion51:31 The Protection of Black Women in Society59:12 Support and Solidarity in the Black Community01:01:56 The Fall of DaBaby: A Career Analysis01:07:06 Navigating Media and Public Perception01:12:55 The Role of Religion in American Society01:21:18 Hip Hop's Place in the Rock and Roll Hall of Fame01:22:07 The End of the Conversation01:22:21 Rock and Roll Hall of Fame Controversy01:22:50 Hip Hop's Place in Music History01:24:04 The Impact of Slavery on Music01:24:59 The Responsibility of Black Billionaires01:25:28 Reimagining the Rock and Roll Hall of Fame01:26:47 Understanding Gene Simmons' Perspective01:28:28 The Spirit of Rock and Roll01:30:29 Cultural Appropriation in Music01:34:17 Defining Rock and Roll01:36:14 The Legacy of Black Artists in Rock and Roll01:39:47 The Fear of Expression01:42:06 Living Color and Musical Identity01:45:58 Cultural Influence in Music01:50:24 Engagement and Content Creation---------------

Stefan Molyneux talks with a caller trapped in a deteriorating business partnership where his co-owner's persistent heavy drinking has led to reckless decisions and mounting damage. He guides the man through the core issue of moral responsibility—why the partner's choices are not the caller's to fix indefinitely—and presses him to face the real costs of inaction, both to the business and to his own family's security. The discussion centers on accountability in practical terms: what loyalty actually requires when one side keeps failing, and how clinging to a broken arrangement can itself become a form of neglect toward those who depend on him. By the close, Molyneux brings the caller to the threshold of a tough but necessary decision—whether to take firm steps, possibly ending the partnership entirely, in order to protect his family's future from further harm.GET FREEDOMAIN MERCH! https://shop.freedomain.com/SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

What if your strongest reactions weren't flaws but the echoes of an intelligent system that once kept you safe? We dive into the consciousness set point—your SQ—and trace how fight, flight, freeze, and fawn begin as wise survival and later solidify into identity when left unexamined. From there, everyday life narrows: neutral moments feel loaded, money and work spiral into scarcity or shutdown, and faith swings between intensity and burnout. The shift begins when we separate state from story and reclaim authorship inside emotion.Across this conversation, we show how worship functions as regulation. Salah, fasting, and dhikr become training that refines perception, widens the gap between stimulus and response, and helps you assign meaning deliberately rather than reflexively. Ramadan offers a daily lab: fast not only from food but from impulsive interpretations and victim narratives. Ask better questions—Is it still needed? Is it proportionate?—and watch your inner arena expand. That's taskiyah made practical: small, consistent inputs that raise SQ and restore clarity, humility, and steadiness.We also unpack how unhealed trauma shapes adult patterns: domination as a mask for fight, avoidance for flight, shutdown for freeze, and people pleasing for fawn. Underneath, a wounded sense of worth keeps yesterday's alarms running today's life. Responsibility isn't about blame; it's the choice to update the operating system. There is no neutral cruise control for the nafs—without active stewardship, it drifts downward. Healing honors what protected you then while refusing to let it define you now, so you can give from wholeness and lead with discernment.Listen if you're ready to upgrade your inner OS, pair devotion with nervous system wisdom, and move from automatic reactions to conscious authorship. If this resonated, subscribe, share with a friend who's ready to heal, and leave a review to help others find the show.To leave a review on Apple Podcasts, open the app and go to the show's page by searching for it or finding it in your library. Scroll down to the "Ratings & Reviews" section, tap "Write a Review," then give it a star rating, write your title and review, and tap "Send"

Rob Kancler joins Something For Everybody this week. Rob combines somatic wisdom, practical application, and spiritual insight to help men access their authentic sexual power. In this conversation Rob shares deep insights on men's sexuality, approaching women, and overcoming societal and personal barriers to fulfillment. This episode offers practical tactics, mental models, and a transformative perspective on authentic connection and sexual satisfaction. -

You invest in your team. You send them to training. You coach them. You expect them to grow.But let me ask you something — when was the last time you invested in you? Not for optics. Not for a keynote. Not because someone told you to. But because you wanted to elevate your game. I see a lot of senior levels plateau because they stopped working on themselves.Businesses evolve. Markets shift. Responsibilities increase.If you don't evolve at the same pace…the business will outgrow you. And so will your influence. Today, I want to talk about the skill most leaders neglect – and why it's costing them more than they realize. Let's dive in.> Links mentioned within

In this episode of Beyond Awareness, Taylor Woodruff and Taylor Johnson join us to talk about engaging men in the anti-trafficking movement. We discuss how harmful norms around masculinity can contribute to exploitation, why inviting men into the conversation matters, and how programs like SSE and Real Talk are helping young men and adult men think differently about respect, relationships, and accountability. Enjoyed this episode? Follow United Against Human Trafficking on Instagram @unitedagainsthumantrafficking or sign up for our occasional newsletter here. You can also explore more ways to connect, support, and learn at our visiting our Linktree here.

In this episode of The Open Bedroom Podcast, I sit down with my husband Scott as we reflect on his recent breakup with a woman we'd been dating. We get real about the importance of relationship alignment, the challenges that come up when expectations around exclusivity and autonomy don't quite match, and how easy it is to overlook red flags when there's strong chemistry. Sharing from our own experience, we talk about why honest communication matters, how being clear about what we want can make all the difference, and the importance of choosing partners whose relationship goals truly line up with ours. Whether you're exploring modern, non-traditional relationship dynamics or just curious, we hope our conversation offers some thoughtful insights and support along the way.When the Match Doesn't Match (00:05:27)Diving into why the recent relationship didn't work, starting from dating profiles to real-life misalignment.Misalignment in Relationship Goals (00:07:56)Clarifying the disconnect in what each party wanted—deep connection vs. friends with benefits—and how this was communicated.Overlooking Red Flags Due to Chemistry (00:08:49)How strong chemistry and communication led both sides to ignore fundamental misalignments.Challenges of Standing Firm in Desires (00:10:09)The difficulty of holding to one's relationship needs when someone seems to check almost every box.Intellectual vs. Political Alignment (00:10:34)Discussing how intellectual connection was strong, but political and worldview differences existed.Navigating Political Differences in Dating (00:12:18)Jen reflects on dating app experiences and how political alignment is often a barrier, but can also be a source of connection.Red Flags vs. Misalignment (00:16:33)Exploring the difference between true red flags and simple misalignment in relationship goals.Ignoring Red Flags and Its Consequences (00:18:18)Why people ignore red flags, and the pain caused by trying to force a relationship despite clear misalignments.Autonomy vs. Security in Relationships (00:20:10)Scott and Jen discuss the struggle between wanting autonomy and the desire for security and exclusivity.Believing People When They Show You Who They Are (00:23:09)Learning to accept people's stated boundaries and not trying to change them; importance of alignment.Lessons Learned and Moving Forward (00:24:10)Jen shares takeaways: only date aligned people and avoid those who put up emotional walls.Confusion When Words and Actions Differ (00:25:03)How mixed signals—saying one thing but acting another—create confusion and hope for change.Reflecting on Past Relationship Dynamics (00:27:17)Jen wonders if things would have changed if they hadn't pushed for exclusivity, drawing parallels to her own past.Choosing Each Other and Responsibility (00:29:01)Scott discusses the responsibility and effort involved when someone chooses exclusivity and prioritizes the relationship.Scott's Capacity for Multiple Relationships (00:33:06)Jen praises Scott's ability to meet the needs of multiple partners and reflects on what they seek in future partners.Tailoring Relationship Dynamics to Your Needs (00:35:30)Advice to listeners: seek partners who want the same dynamic as you, whether it's polyamory, swinging, or exclusivity.Envisioning the Future and Alignment (00:36:34)Realizing misalignment when future visions don't include each other; importance of shared goals.Honesty About Needs and Desires (00:37:43)Emphasizing the need for self-honesty and seeking partners who are open to building what you want.Podcast Closing (00:39:15)Thanking listeners, encouraging feedback, and inviting them to subscribe and share the podcast.Follow The Open Bedroom podcast:https://www.instagram.com/theopenbedroompodcast

Building forward momentum isn't about moving fast. Rather, it's about moving intentionally — especially when transitioning from developer to entrepreneur. In Season 27 of the Building Better Developers podcast, we explore what it truly means to keep progressing when challenges, distractions, and new responsibilities threaten to slow you down. In this episode, Andrew Stevens — software engineer, multi-time founder, CTO, and board member — shares how building forward momentum has shaped his multi-decade journey through technology and startups. Instead of focusing on overnight success, his story emphasizes sustained curiosity, disciplined execution, and constant recalibration. Over time, momentum is built layer by layer, not in dramatic bursts. Building Forward Momentum Through Collaboration At first, Andrew's entrepreneurial journey didn't begin alone. It started with collaboration. During the early dial-up internet era, local ISPs were emerging everywhere. At that point, Andrew joined forces with two complementary partners. While he focused on writing software, one partner handled infrastructure, and another concentrated on sales and commercialization. Because each person owned a specific strength, the venture gained traction quickly. This alignment created confidence. No single individual carried the entire burden, which reduced risk and accelerated learning. Building forward momentum often begins with the right partnerships, not total independence. In other words, developers don't need to master every business function before launching something new. Clarity about strengths — and awareness of gaps — is far more powerful. Building Forward Momentum During the Engineer-to-Founder Shift Eventually, Andrew transitioned into more solo ventures. At that stage, the dynamic shifted dramatically. Coding was no longer the only priority. Sales conversations, tax planning, customer communication, and financial oversight became daily responsibilities. As complexity increased, the temptation to retreat into technical work grew stronger. Many developers stall at this point. Technical tasks feel comfortable, whereas business responsibilities feel ambiguous. Meanwhile, operational issues quietly accumulate. Andrew openly discusses early financial mistakes and process failures. Nevertheless, those moments didn't stop progress. Instead, they forced adjustments that strengthened the foundation. Building forward momentum requires correction, not perfection. Entrepreneurship rarely follows a straight line. Each misstep generates feedback, and each adjustment reinforces resilience. Building Forward Momentum with AI as Leverage Alongside structured execution, Andrew emphasizes the strategic use of AI. One approach treats AI as a tool. He leverages it for rapid prototyping, static analysis, architecture critiques, and test case generation. In addition, AI significantly shortens debugging cycles, particularly when configuration issues arise. That said, production code still demands human judgment. AI accelerates iteration, but discernment remains essential. A second perspective positions AI as a channel. Increasingly, users ask AI systems for recommendations before making purchasing decisions. Consequently, products must be structured for discoverability within AI-driven ecosystems. Unlike traditional SEO, this requires thinking about how AI systems reference and surface information. AI doesn't replace disciplined builders — it amplifies their capacity. By reducing research time and accelerating experimentation, AI expands a founder's ability to test ideas. More testing leads to stronger building forward momentum. Building Forward Momentum Through Structured Execution Rather than relying on vague annual goals, Andrew breaks execution into focused horizons: Today This week This month This framework creates clarity without overwhelm. At the same time, he rejects the illusion of 100% productivity. Just as engineering teams cannot operate at full capacity indefinitely, founders cannot either. Space must be preserved for: Personal development Industry research Technical skill refinement Creative exploration Even while serving in executive roles, Andrew continues writing code. Staying close to the craft keeps strategic decisions grounded in technical reality. When skill development stops, momentum quietly declines. Protecting growth time is just as important as meeting deadlines. Building Forward Momentum Sustainably Entrepreneurship can feel isolating. Responsibility compounds, and decisions stack up quickly. For that reason, Andrew values trusted collaboration — including working alongside his spouse for nearly two decades. A reliable sounding board provides both stability and accountability. Unfinished edits will always exist. Features will occasionally slip. Competing ideas will demand attention. However, building forward momentum is not about tackling everything at once. Progress comes from choosing the next meaningful step and executing it consistently. The Real Lesson Ultimately, building forward momentum isn't defined by dramatic breakthroughs. It grows from sustained curiosity, strategic collaboration, structured execution, intelligent leverage of tools, and continuous personal development. Developers stepping into entrepreneurship often expect transformation to feel explosive. In reality, momentum compounds through disciplined repetition. Keep building. Keep learning. Keep adjusting. Over time, consistent forward motion turns into lasting impact. Stay Connected: Join the Developreneur Community

Show SummaryOn this episode, we have a conversation with Keith Hotle, the Chief Executive Officer of Stop Soldier Suicide, a nonprofit with the goal of reducing service member and veteran suicide by using enhanced data insights, focused client acquisition, and suicide-specific intervention services.Provide FeedbackAs a dedicated member of the audience, we would like to hear from you. If you PsychArmor has helped you learn, grow, and support those who've served and those who care for them, we would appreciate hearing your story. Please follow this link to share how PsychArmor has helped you in your service journey Share PsychArmor StoriesAbout Today's GuestIn his previous role as Chief Program Officer at Stop Soldier Suicide, Keith was responsible for all programmatic activities and strategic efforts. During his six years with the organization, he has developed, implemented and evaluated a best-in-class clinical service model to deliver suicide prevention and early intervention treatment and support services to veterans and service members. Keith directly oversees our operations for the ROGER wellness service, research and evaluation activities, and community-based suicide prevention efforts including the development of veteran firearm safety teams in three North Carolina counties. Prior to his tenure at Stop Soldier Suicide, Keith was a senior public health administrator at the Wyoming Department of Health for ten years, as well as CEO of the Prevention Management Organization, a statewide public health prevention agency. Keith has a Master of Public Administration degree from the University of Wyoming and a Juris Doctorate from the University of Texas Law School.Links Mentioned During the EpisodeStop Soldier Suicide Web SiteThe ROGER Wellness ProgramThe Black Box Project PsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the PsychArmor course The Basics of Veteran Suicide Prevention. This course is designed to equip you with knowledge to make a difference, providing you with essential insights and practical abilities to positively impact your community by nurturing hope, healing, and resilience  You can find the resource here:  https://learn.psycharmor.org/courses/basics-of-veteran-suicide-prevention Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

You can either reject the Son and lose the kingdom; or, receive Him and steward it. SUMMARY (for Podcast sermon description): We all carry various responsibilities: jobs, families, church—the list goes on and on. In Matthew 21:33-46, Jesus teaches us something about kingdom responsibility. The Parable of the Tenants, from one angle, is a parable about the religious leaders rejecting Jesus, the Son of God. From another angle, it's a parable about kingdom responsibility or stewardship. It's a parable that forces non-Christians to ask: 'What do I make of Jesus?' and Christians to ask: 'What do I make of my life—how am I stewarding the kingdom responsibility that's been given to me?' You can either reject the Son and lose the kingdom; or, receive Him and steward it. There really isn't an in-between.

Andrew founded his Social Enterprise, SaluteMyJob, in 2015. He and his team are on a mission to better connect transitioning and former Service men and women, and their families, with ‘Forces Friendly' organisations and the wide variety of opportunities they offer. This has led to the recent launch of a new platform, Troopr, to use technology to transform the experience for both organisations and individual members of the Armed Forces community. His former employer, IBM, is an important partner in this venture. Andrew joined Kenexa, a US provider of HR science, technology and services, In 2009, after a full career in the British Army. He was responsible for starting up the company's government business, achieving $25m in sales and $12m in revenue in 3 years. For his last 4 years in the Army, Andrew was Director of Army Recruiting, responsible for the recruitment of 17,000 officers and soldiers annually into the Regular and Reserve Army. As part of this work, he led a project to identify how commercial best practices, capabilities, and expertise could help to improve the effectiveness and efficiency of Army recruiting. Earlier Army appointments included command of an Army brigade in Scotland; Responsibility for the Army's UK Training Estate, and 3 years on the Commitments (Operations) Staff in the Ministry of Defence at the height of the Kosovo crisis. In 1996, he achieved his lifelong ambition to command 1st Battalion, The King's Scottish Borderers. He sits on the board of a US Not-For-Profit, Corporate America Supports You. He is a volunteer mentor for SSAFA and an active supporter of Combat Stress. In 2023, he established and now leads a #JoiningForces initiative to foster and enable collaboration between ‘Forces Friendly organisations. Hosted on Acast. See acast.com/privacy for more information.

Notes John 9: 1-41 1 Samuel 16:1-13 Ephesians 5:8-14 Summary This episode explores the profound themes of sight, blindness, and community in John 9, alongside insights from 1 Samuel 16 and Ephesians 5. Join us as we unpack the spiritual and social implications of these passages, emphasizing justice, love, and God's call to see beyond appearances. Chapters 00:00 Introduction to the Pulpit Fiction Podcast 01:52 Survey Results and Community Engagement 04:28 Exploring John 9: The Healing of the Blind Man 09:05 Understanding the Johannine Community's Struggles 12:00 The Significance of Jesus' Healing 17:47 Reframing Disability and Divine Works 22:03 The Blindness of the Pharisees 25:53 Community and the Fear of Expulsion 29:50 Judgment and Illness in Modern Contexts 32:10 The Blind Beggar: A Community's Responsibility 34:07 God's Mighty Works: Embracing Diversity and Inclusion 37:05 Anointing: Seeing Beyond Appearance 40:45 The Power of Anointing in Worship 42:51 Chosen for Responsibility: The Weight of Anointing 45:47 Grief and Moving Forward: A Call to Action 49:54 Living as Children of Light: Justice and Truth 54:12 The Call to Speak Truth: Justice vs. Judgment Takeaways God's mighty works can be displayed through our differences and disabilities. Community responses to healing reveal deeper issues of justice and acceptance. Seeing with the heart is more important than physical sight in biblical faith. The story of David's anointing teaches us about God's choice beyond appearances. Living as children of light involves actively producing goodness, justice, and truth.  

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

EMN Podcast Show NotesEpisode Title: Robots, Responsibility, and the Emergency ManagerHosts: Todd DeVoe and Andrew BoyarskyPodcast: The Emergency Management Network (EMN)Episode OverviewWhat can a 1920 science fiction play teach us about the future of emergency management?In this episode of the Emergency Management Network Podcast, Todd DeVoe and Andrew Boyarsky explore Rossum's Universal Robots (R.U.R.) by Czech writer Karel Čapek, the work that introduced the word robot to the world. Written more than a century ago, the play imagined a world in which artificial workers replace human labor, ultimately leading to a revolt that wipes out humanity.While the story may sound like classic science fiction, its themes feel strikingly modern. Automation, artificial intelligence, robotics, and technological dependence are rapidly reshaping the systems emergency managers rely on every day.Todd and Andrew discuss how Čapek's cautionary tale about industrialization and technological progress offers powerful insights for modern emergency management. The conversation explores how automation can improve disaster response while introducing new risks, why human judgment remains essential in crisis leadership, and the responsibilities of emergency managers as communities increasingly rely on complex technological systems.Ultimately, the episode reflects on a simple but profound idea: technology can enhance resilience, but resilience itself remains fundamentally human.Topics Discussed• The origin of the word “robot” and its meaning as “forced labor.”• The story and legacy of Rossum's Universal Robots (R.U.R.)• Technology, automation, and unintended consequences• Artificial intelligence and robotics in disaster response• The risks of over-reliance on automated systems• Why emergency management must keep humans in the loop• Ethical responsibility when deploying emerging technologies• What science fiction can teach emergency managers about the futureKey TakeawayAs emergency management increasingly integrates AI, robotics, and advanced analytics, leaders must balance technological innovation with human judgment, ethics, and community trust. The future of resilience will depend not just on smarter machines, but on wiser leadership.Connect with EMNSubscribe to The Emergency Management Network for podcast episodes, analysis, and commentary on leadership, disaster policy, and the evolving role of emergency management.Follow and subscribe for more conversations that explore the intersection of risk, leadership, and resilience. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit emnetwork.substack.com/subscribe

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Stefan Molyneux takes calls on 4 March 2026's Wednesday Night Live and presses into whether philosophy actually matters in real life, arguing that it serves as the only reliable path to moral truth. He challenges the idea that personal feelings or subjective beliefs can stand on their own, insisting instead on objective reasoning as the foundation. The conversation moves through memory, consciousness, and what it means to be genuine in relationships, pushing callers to examine their ethical obligations and the deeper contradictions that shape human behavior.GET FREEDOMAIN MERCH! https://shop.freedomain.com/SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025