Podcasts about San Francisco

The 2025 NFL season is 17 weeks old and with the playoffs right around the corner, a few playoff seedings and spots are still up for grabs. The San Francisco 49ers defeated the Chicago Bears in an offensive shootout to keep their hopes of the NFC's #1 seed alive. Brock Purdy and Caleb Williams traded punches throughout Sunday evening until the 49ers defense stood tall. The Sam Darnold and the Seattle Seahawks knocked off the Carolina Panthers, setting up a week 18 matchup that'll determine the winner of the NFC South. The Philadelphia Eagles held off the Buffalo Bills comeback attempt. Jalen Hurts commanded the first half and Josh Allen owned the second half but it was the Eagles defense that dominated the entire game, allowing the Eagles to stay alive in the race for the NFC's 2nd seed. The Steelers fell to the Browns, the Ravens knocked off the Packers and the Texans defeated the Chargers to all set up wild Wk18 playoff implications. Chris and the fellas break down the games, talk through the playoff outlooks and give their best thoughts on the teams that can win a Super Bowl this season. (00:00:00) - NFL Week 17 Reactions: Dawg of the Day (00:08:35) - Philadelphia Eagles vs Buffalo Bills (00:42:00) - San Francisco 49ers vs Chicago Bears (01:06:15) - Seattle Seahawks vs Carolina Panthers (01:19:00) - Miami Dolphins vs Tampa Bay Buccaneers (01:27:45) - Baltimore Ravens vs Green Bay Packers (01:30:25) - Cleveland Browns vs Pittsburgh Steelers (01:42:45) - Houston Texans vs LA Chargers (01:54:20) - Denver Broncos vs Kansas City Chiefs (01:57:05) - Jacksonville Jaguars vs Indianapolis Colts (02:08:00) - NFL Playoff Previews: Teams That You Trust (02:22:35) - Bermuda Triangle Games: Lions vs Vikings, Bengals vs Cardinals, Cowboys vs Commanders, Saints vs Titans, Patriots vs Jets & Giants vs Raiders (02:36:15) - Locals Landline Presented By Zone (02:41:45) - BetMGM Moments (03:26:05) - MNF Preview: LA Rams at Atlanta Falcons Have some interesting takes, some codebreaks or just want to talk to the Green Light Crew? We want to hear from you. Call into the Green Light Hotline and give us your hottest takes, your biggest gripes and general thoughts. Day and night, this hotline is open. Green Light Hotline: ‪(202) 991-0723‬ Also, check out our paddling partners at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Appomattox River Company ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠to get your canoes, kayaks and paddleboards so you're set to hit the river this summer. Green Light's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube Channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, where you can catch all the latest GL action: If you want some Black Friday merch, check out our sale:https://greenlightpodcast.shop/?fbclid=PAZnRzaAOR1RFleHRuA2FlbQIxMQBzcnRjBmFwcF9pZA8xMjQwMjQ1NzQyODc0MTQAAad3Jup6i1N2qH77pK8eUeSbKt2Y0OXMldIw1dRTq_xDRuY3Ctp99Qj4pfyGAw_aem_w9tp_XwGL-ZptFIHvlrM1g Green Light with Chris Long: Subscribe and enjoy weekly content including podcasts, documentaries, live chats, celebrity interviews and more including hot news items, trending discussions from the NFL, MLB, NHL, NBA, NCAA are just a small part of what we will be sharing with you.

This week, the Christmas-tacular somehow continues when Cara Santa Maria joins us for an atheist review of So This Is Christmas, the story of Eric Roberts wandering in and out of the set of an after school special that pretended to be Christian long enough to hook a producer. Check out more from Cara on the Talk Nerdy podcast To see us live in San Francisco, click here: https://www.eventbrite.com/e/god-awful-movies-live-in-san-francisco-california-tickets-1976632374642 If you'd like to make a per episode donation and get monthly bonus episodes, please check us out on Patreon: http://patreon.com/godawful Check out our other shows, The Scathing Atheist, The Skepticrat, Citation Needed, and D&D Minus. Our theme music is written and performed by Ryan Slotnick of Evil Giraffes on Mars. If you'd like to hear more, check out their Facebook Page: https://www.facebook.com/EvilGiraffesOnMars/ Report instances of harassment or abuse connected to this show to the Creator Accountability Network here: https://creatoraccountabilitynetwork.org/

Adam Levitan and Evan Silva analyze and dissect every game and every team across Week 17 of the NFL season, assessing the key fantasy takeaways from each game and their reactions to all the key talking points, injuries and breakout performances.Timestamps:0:00 - Introduction1:51 - #1 Atlanta Falcons3:58 - #2 Chicago Bears8:31 - #3 Baltimore Ravens11:16 - #4 New Orleans Saints16:07 - #5 Cincinnati Bengals19:42 - Arizona Cardinals21:38 - Carolina Panthers24:20 -  Dallas Cowboys26:55 - Detroit Lions29:07 - Green Bay Packers31:24 - Los Angeles Rams33:41 - Minnesota Vikings35:30 - New York Giants37:36 - Philadelphia Eagles39:41 - San Francisco 49ers43:13 - Seattle Seahawks45:23 - Tampa Bay Buccaneers47:56 - Washington Commanders51:18 - Buffalo Bills53:39 - Cleveland Browns56:46 - Denver Broncos59:26 - Houston Texans1:01:18 - Indianapolis Colts1:03:38 - Jacksonville Jaguars1:06:37 - Kansas City Chiefs1:08:53 - Las Vegas Raiders1:10:39 - Los Angeles Chargers1:13:57 - Miami Dolphins1:15:44 - New England Patriots1:19:02 - New York Jets1:20:20 - Pittsburgh Steelers1:21:46 - Tennessee TitansWant ETR on your team this season? Our 2025 NFL In-Season has you covered with:NFL In-Season content includes:Silva's Matchups ColumnDFS Top PlaysProjections for Every PlayerOwnership Projections for Every SlateWeekly Premium ShowsSubscribe now at https://subscribe.establishtherun.com/nflinseason/New Customers Play Free for Your Share of Millions in Prizes with First DepositDownload the DraftKings Daily Fantasy app and enter promo code ETR to play FREE for your share of millions in prizes with your first deposit! Sign Up TodayGambling Problem? Call 1-800-GAMBLER or 877-8-HOPENY or text HOPENY (467369) (NY). Help is available for problem gambling. Call (888) 789-7777 or visit ccpg.org (CT).18+ in most eligible states; age varies by jurisdiction. Eligibility restrictions apply. Void where prohibited. One per new customer. Minimum $5 deposit required. One single-use $3 ticket rewarded. Ticket rewards are site credits valid for use on eligible DraftKings contests. Ticket rewards expire 14 days (336 hours) after being issued. Terms: www.draftkings.com/promotions. Ends 2/8/2026 at 11:59 PM ET. Sponsored by DK.DFS OPTIMIZER: Sign up for THE SOLVER for access to the software we think fantasy players need to win: https://thesolver.com/?ref=etrWE CAN HELP: Tired of attention-seeking hot takes? Get the highest-quality fantasy football analysis in your inbox, FREE: https://bit.ly/establishtherunSPORTSBOOK OFFERS: We've partnered with several major sportsbook outlets to help supply you with the best offers in the industry and ensure you're maximizing your bankroll from the start: https://establishtherun.com/offers/FOLLOW US: Check out our social media channels for FREE fantasy football & DFS videos, analysis, and more: https://linktr.ee/establishtherun

Nate Tice is joined by PFF's Trevor Sikkema to buy or sell playoff teams as true Super Bowl contenders before breaking down a few of their favorite prospects in the 2026 NFL Draft. Nate & Trevor start with the AFC, as they explain why they're both buying the Denver Broncos, New England Patriots and Jacksonville Jaguars. The duo disagree on the Houston Texans before touching on the Los Angeles Chargers & Buffalo Bills.Next, the two hosts dive into the NFC playoff bracket: they both buy the Seattle Seahawks (with some caveats), Philadelphia Eagles and Los Angeles Rams. The duo sell the Chicago Bears, both NFC South teams (Tampa Bay Buccaneers & Carolina Panthers) and the Green Bay Packers. Nate & Trevor work out their disagreements on the San Francisco 49ers.The duo round out the show with a few thoughts on some of their favorite prospects in the 2026 NFL Draft, including who to keep an eye on in the College Football Playoff.(4:35) - Broncos(15:35) - Patriots(24:20) - Jaguars(35:10) - Texans(41:10) - Chargers & Bills(43:35) - Seahawks(49:20) - Bears(58:20) - NFC South(1:00:20) - 49ers(1:06:40) - Rams(1:09:40) - Packers & Eagles(1:14:20) - Our favorite NFL Draft prospects Subscribe to Football 301 on your favorite podcast app:

How far can Brock Purdy take the banged-up San Francisco 49ers? Yahoo Sports' Andrew Siciliano, Charles Robinson and Frank Schwab recap that thrilling SNF shootout and dive into key winner-take-all battles in the AFC North and NFC South. Will the Pittsburgh Steelers or Baltimore Ravens come out on top of the division? Is it fair that the struggling Tampa Bay Buccaneers or hot-and-cold Carolina Panthers will host a playoff game? Closing things out, the crew looks at the most disappointing teams that missed the playoffs before discussing their "One More Thing."(6:20) - 49ers win shootout over Bears(19:40) - Browns upset Steelers(40:40) - Bucs & Panthers fight to win abysmal NFC South(49:34) - Which playoffs miss is most disappointing?(1:02:25) - One More Thing

Former NFL All-Pro safety Kerry Rhodes is in for Kelvin, and he and Rob tell us if it should be Super Bowl-or-bust for Kyle Shanahan and the San Francisco 49ers, and tell if Mike Tomlin should be fired if the Pittsburgh Steelers lose on Sunday against the Baltimore Ravens in Week 18. Plus, former NFL All-Pro Adam ‘Pacman’ Jones swings by to discuss Shanahan’s Coach of the Year candidacy, whether Matthew Stafford should be the MVP front-runner, what’s gone wrong for the Cincinnati Bengals this season, and much more!See omnystudio.com/listener for privacy information.

Former NFL All-Pro safety Kerry Rhodes is in for Kelvin, and he and Rob tell us if it should be Super Bowl-or-bust for Kyle Shanahan and the San Francisco 49ers, explain why tonight is a must-win for the Los Angeles Rams, and take a trip out to Shekel City for Rob’s nightly bets. Plus, former NFL All-Pro Adam ‘Pacman’ Jones swings by to discuss Shanahan’s Coach of the Year candidacy, whether Matthew Stafford should be the MVP front-runner, what’s gone wrong for the Cincinnati Bengals this season, and much more!See omnystudio.com/listener for privacy information.

Rich and the guys debate how eating holiday popcorn out of a tin can compares to double-dipping chips, and Rich offers up some advice for Seattle Seahawks fans getting nervous about Sam Darnold and their Week 18 showdown with the San Francisco 49ers to determine the NFC West. In ‘Overreaction Tuesday' Rich weighs in on the Rams' dispiriting loss to the Falcons in Week 17, if the Buccaneers should be in the market for a new head coach, Philip Rivers' Hall of Fame chances after his improbable Colts comeback, the pressure on Tom Brady to get the Raiders back to their winning ways of old, Bijan Robinson's chances to win the NFL MVP award during his career, and if we'll see a big name QB (Joe Burrow?? Lamar Jackson?? Kyler Murray??) traded this offseason. Actor/comedian Kumail Nanjiani joins Rich in-studio to discuss his new ‘Night Thoughts' Hulu stand-up special, reveals the downside of his new swole physique, what it was like taking a private jet with Rams head coach Sean McVay and QB Matthew Stafford, and explains why sports talk shows need more Cricket hot takes. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Before we look ahead to the Seahawks Saturday night battle against the San Francisco 49ers, let's look back at the micro-moments in the Panthers game that kept Seattle in the pole position in the NFC. To kick things off, Ty Okada and and Drake Thomas were key in providing some sound tackling and effective run support. Additionally, we dial in on how Nick Emmanwori and Julian Love helped contain the outside runs when the Panthers tried to change things up. On offense, the focus goes to the play of the offense following the Julian Love interception - it was a physical, clock-controlling dirve that set up their late touchdown. But in traditional 3 IN, 3 OUT style, it wasn't all sunshine and roses. There were some badly whiffed blocks up front, Ken Walker tried a bit too much to bounce to the outside, and Sam Darnold did not choose wisely on his only interception/non-interception on the day. Join our  Sea Hawkers Podcast Pickem League - free prizes for weekly winners. Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation    

Mz Worthy goes Back To Back! Willy talks with her about her new single "Smokeshow", the origins of Dirtybird, iconic New York clubbing in the 90s, going to school with Justin Martin, human vs. algorithmic curation, soundtracking your daydreams, learning to DJ without pitch control, losing and finding your creativity, pros & cons of running a record label, the San Francisco dance music legacy, Burning Man & much more!   Mz Worthy: https://linktr.ee/mzworthy Willy Joy: http://linktr.ee/willyjoy   PROTECT REPRODUCTIVE RIGHTS: https://abortionfunds.org/funds/ https://www.prochoiceamerica.org/ https://www.sistersong.net/  

Ruthie Polinsky and Clay Harbor break down the Bears' back-and-forth loss to the 49ers, starting with a pick-six that set the tone and a scoring frenzy that saw the game tied five different times. They dive into the biggest takeaways from the performance, including defensive struggles, an offense that found its rhythm in San Francisco, and why the Bears ultimately couldn't complete the comeback. The duo also hands out game balls and highlights the impact of rookies stepping up despite the loss. From there, the focus shifts to what still lies ahead. Ruthie and Clay take a closer look at the NFC playoff picture, how the Bears can secure the No. 2 seed, and what a potential first-round matchup with the Packers could mean. They also preview the season finale against the Lions, discuss how Ben Johnson may approach the final week, and wrap up with a “Wired In” segment and thoughts on what this performance signals going forward.

Week 18 Door Opened, Lions Stumbled The NFL weekend handed the Detroit Lions every break. Green Bay got drilled. Chicago lost to San Francisco. A win-and-in shot with the Chicago Bears in Week 18 sat on the table. Detroit did not hold up its end. The Christmas loss to the Minnesota Vikings turned opportunity into regret. The Vikings were a known entity. They crowd the middle. They blitz. They play downhill. Detroit still walked into the trap. The result felt like a coaching loss from prep to whistle. That sting was familiar. The opener against Green Bay carried the same scent. The Detroit Lions Podcast audience heard the frustration. A good team played small in a gotta-have-it moment. NFC Results That Framed It Everything else aligned. The Packers got blown away. Jordan Love was out. Baltimore rolled, and Derrick Henry ran wild. Malik Willis played well before leaving hurt again. Chicago then dropped a high-scoring thriller to the 49ers on Sunday night. The Bears sit high in the NFC mix, pending what the Rams do. Seattle sits at number one. All of it kept a Week 18 showdown in play. Detroit only needed to cash its Christmas ticket. It did not. The 12 Personnel Trap on Offense The offensive plan made it harder. Detroit leaned into 12 personnel and pounded inside. That shrank the field. Linebackers crept up. Safeties walked down. Put Shane Zylstra or Giovanni Ricci in the slot and defenses do not fear the seam. They crowd the box and choke the space where Detroit wanted to live. Spacing matters. You chase linebackers and safeties off with speed and threat. Kalif Raymond changes leverage. Isaac Teslaw does too. Use them to widen the second level and clear seams. Detroit instead condensed everything and invited contact. Inside runs met free hitters. Protection saw extra bodies and late blitzers. The Vikings love that fight. Detroit gave it to them snap after snap. Irrespective of line play, the structure was off. The Lions drew defenders into the very area they targeted. That is backwards. Against an aggressive front, widen, stress, and punish. Detroit did not. Coaching Heat: Campbell and Morton This one lands on the headsets. Dan Campbell as play caller. John Morton as offensive coordinator. Minnesota started Max Brosmer and had backups across the offensive line. Short week for both teams. The Vikings still looked more prepared for what Detroit would do than Detroit was for what Minnesota always does. That is the rub. The worry now is persistence. Keeping Morton in any capacity invites more of the same. Scheme must create its own luck. Preparation must steal downs. The Lions can manufacture it with smarter spacing, better personnel groupings, and quicker answers to pressure. Week 18 still offers meaning. The path narrowed because Detroit gave it away. The fix is not mystical. It is alignment, speed on the field, and a plan that refuses to play to an opponent's strength. https://www.youtube.com/watch?v=gnAcmdsNjlw #detroitlions #lions #detroitlionspodcast #minnesotavikings #chicagobears #greenbaypackers #sanfrancisco49ers #jordanlove #derrickhenry #malikwillis #12personnel #lateblitzers #spacing Learn more about your ad choices. Visit megaphone.fm/adchoices

We share the best reactions to the Bears' 42-38 loss to the 49ers in San Francisco from Mully & Haugh, Rahimi, Harris & Grote and Spiegel & Holmes.

Thousands of old and rare recordings - some that date back a full century, are now available for the public to enjoy online. That's thanks to a collaboration between UC Santa Barbara and record company Dust-to-Digital. Reporter: Robert Garrova, LAist Mountain lions, foxes, hawks and dozens of other species are dying at an alarming rate from rat poison. Reporter: Erin Stone, LAist Fort Bragg is about three hours north of San Francisco, and during droughts, the former timber town faces severe water shortages. And they're not alone. Nearby communities have had to restrict water in lean years, even while these coastal cities sit next to the biggest body of water in the world. Reporter: Noah Abrams, Northern California Public Media Learn more about your ad choices. Visit megaphone.fm/adchoices

We share the best reactions to the Bears' 42-38 loss to the 49ers in San Francisco from Mully & Haugh, Rahimi, Harris & Grote and Spiegel & Holmes.

To close out 2025, Nicole and Drew explore the history of the Partingtons, a family with a huge impact on San Francisco's art scene.

Are you ready to be at the forefront of some of the important issues facing our community? Join us on Monday morning when Black Politics expert Dr. James Taylor brings his powerful insights straight into our classroom. Dr. Taylor will break down the future of Black Maga as the polls shift, offering analysis you won't hear anywhere else. He'll also shine a light on the groundbreaking reparations bill passed in San Francisco, a moment that could set a precedent for other cities nationwide. Before Dr. Taylor, Motivational Speaker and author, Coach Powell. will discuss his latest must-read book, Hip-Hop Hypocrisy: When the Lies Sound Like the Truth. Discover how several prominent rappers are now redefining themselves, now promoting some of the institutions they once stood against. Baltimore activist pastor Dr. Robert Richard Allen Turner will also check in. This is more than a show; it's your chance to engage, question, and be inspired.See omnystudio.com/listener for privacy information.

We share the best reactions to the Bears' 42-38 loss to the 49ers in San Francisco from Mully & Haugh, Rahimi, Harris & Grote and Spiegel & Holmes.

During World War II, Japanese Americans were held captive in 10 internment camps throughout the US. Two of them in Arizona, built on reservations without tribal consent. In our last story, we heard how the Colorado River Indian Tribes (CRIT) in western Arizona have made a point to preserve the remnants of one such war-time prison. Today, KJZZ's Gabriel Pietrorazio takes us to the state's other site, which sits well-hidden in the shadows of Phoenix – slowly fading away atop of the Gila River Indian Community. He had the privilege to see this restricted site twice this year with the tribe's Wally Jones, who supervised his trip. “I can't give, really the location. I wanted to, but people do search it.” They first met in April at the Chevron gas station in Bapchule, Ariz. about 30 miles south of downtown Phoenix. The tribe did not allow KJZZ to record inside the camp itself, but Jones agreed to let Pietrorazio document their short ride there. No matter who is coming out, Jones stresses they're not tours. “This is not a tourist camp. This is a regulated entry that the department processes for the council's consideration for your visit. It's not just anyone can come out here. These are one of the few sites that the community allows non-members to come in and kind of experience what was here.” What was here in 1942 would've equated to Arizona's fourth-largest city, home to over 13,000 internees stuck in the Sonoran Desert. “The camp is not maintained. The community has decided to let nature recapture its natural state, but there are remnants of various barracks, facilities.” And there are at least 230 ornate garden ponds – now dried up – that prisoners built. “It always amazes me that we find these ponds out here, that it was a signal of their tradition and their hope that they would not let their culture fade away.” Seven months later, Pietrorazio returned – this time not on his own, but as a guest of the Japanese American Citizens League (JACL) in a caravan of at least 20 vehicles. Bill Staples Jr. is president of the JACL Arizona chapter. “And I was really touched by how emotionally connected the Gila River Indian Community was in welcoming the Japanese Americans…” Pietrorazio caught up with Staples at the tribe's Huhugam Heritage Center after a November ceremony. Also there, making the trip from Seattle, was 85-year-old camp survivor Sylvia Domoto. “They've been so welcoming and continue to respect and to keep the land there, so that we can say, ‘Yes, this really happened. It isn't just a fantasy.'” Suicide prevention sign and phone on the east sidewalk of the Golden Gate Bridge in San Francisco, Calif. (Photo: Guillaume Paumier / Wikimedia) A new law in California aimed at preventing suicides is taking effect in the new year. The measure requires the transportation and public health departments to identify best practices and countermeasures to avoid suicides on state bridges and overpasses. The bill by Assemblymember James Ramos (Serrano/Cahuilla/D-CA) builds on his previous work, which includes efforts to improve mental health services and the establishment of a suicide prevention office. Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out the latest episode of Native America Calling Tuesday, December 30, 2025 — The Menu: A memoir and a documentary film document two tribes' connections to food sovereignty

The Chicago Bears fell a play short in a 42-38 loss to the San Francisco 49ers on Sunday night. Shaw Local's Michal Dwojak and Joe Aguilar break down the loss and what's next with a week left in the regular season.Become a supporter of this podcast: https://www.spreaker.com/podcast/shaw-local-s-bears-insider-podcast--3098936/support.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Chip: My challenge, and it's become my superpower, was to work with…to start where people are.The divide in the United States today is often described as being at its worst since the Civil War. The tensions are palpable, with political, social, and cultural divisions creating an atmosphere of discord. Charles (Chip) Hauss, Senior Fellow for Innovation at the Alliance for Peacebuilding and author of Peacebuilding Starts at Home, believes the solution lies in starting small—right in our own communities.In today's episode, Chip shared a critical insight: peacebuilding doesn't happen in a distant, abstract sense—it's something we actively build in our daily lives. “Peace is a verb,” Chip explained. “It is something I do. I build it. And more importantly, it starts at home.”For Chip, the importance of local peacebuilding became clear during a conversation with colleagues after the 2014 killing of Michael Brown in Ferguson, Missouri. The Alliance for Peacebuilding, at the time, focused almost exclusively on international conflicts. But Chip posed a poignant question: “How can we tell people in Burundi that we can solve their problems if we can't do it in Baltimore?”This realization sparked a shift in focus. Chip emphasized that addressing the microcosm of our lives—our families, neighborhoods, and local communities—has the power to ripple outward. By fostering understanding and collaboration in these spaces, we can create broader societal change.What makes this approach even more compelling is its inclusivity. Chip encourages finding common ground even with those we disagree with. “Our first instinct should be to find the things that we share, find the things that we are for,” he said. This mindset, he believes, is the foundation for building meaningful relationships and, ultimately, peace.Chip's work is now evolving into a larger movement to equip individuals with the tools to build peace in their own lives. By focusing on what unites us instead of what divides us, he hopes to inspire millions to take small, tangible steps toward a more peaceful society.It's a powerful reminder that while global challenges may seem insurmountable, the solutions often begin with simple, human connections close to home.tl;dr:Charles Hauss explains why peacebuilding must start at home to inspire broader societal change.The Alliance for Peacebuilding shifted focus to U.S. communities after Ferguson, Missouri, in 2014.Chip emphasizes finding shared values, even with those we strongly disagree with.He shares a practical example of applying peacebuilding to resolve local condo tensions.Chip's new book and movement aim to empower individuals to build peace in daily life.How to Develop Building Meaningful Relationships As a SuperpowerChip's superpower is his ability to build meaningful relationships, especially with people he disagrees with. He explained, “My challenge, and it's become my superpower, was to work with…to start where people are.” For Chip, peacebuilding isn't about tolerating differences but about celebrating them. He shared, “Peacebuilding is not a burden or a chore. It's actually something you can do for fun.” His unique gift lies in creating connections that foster understanding and collaboration, even in contentious or divided spaces.Chip shared a story about moving into a new condo complex where management issues caused tension among residents. Many neighbors were frustrated and confrontational, but Chip encouraged a different approach. He suggested getting to know the new building manager, understanding her perspective, and working together constructively. Within weeks, the community made progress, replacing the manager and starting to build a stronger, more collaborative environment. This story exemplifies Chip's ability to transform conflict into connection through relationship-building.Tips for Developing the Superpower:Start where people are—understand their values, perspectives, and interests.Focus on what you share rather than what divides you.Embrace disagreements as opportunities for learning and growth.Approach peacebuilding as something enjoyable rather than a chore.Encourage collaboration by guiding conversations toward constructive solutions.By following Chip's example and advice, you can make building meaningful relationships a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileCharles (Chip) Hauss (he/him):Senior Fellow for Innovation and Emeritus member of the board o directors, Alliance for PeacebuildingAbout Alliance for Peacebuilding: AfP is the largest network of peacebuilding organizations in the world with over 250 organizational members. After having done the bulk of its work around the world, its leaders and members have decided that peacebuilding has to start at home and that if we want to help people in Botswana create a more peaceful society, we have to do so in Baltimore as well. Chip Hauss will be part of the team that makes that happen starting--but not ending with--the publication of his book, not surprisingly, called Peacebuilding Starts at Home.Website: peacebuildingstartsathome.us and allianceforpeacebuilding.orgOther URL: amzn.to/3KPaWBaBiographical Information: Charles “Chip” Hauss has been exploring ways of producing large scale social and political change through nonviolent and cooperative means since his undergraduate days in the late 1960s. In all of this work, Hauss has tried to be a political bridge builder who brings “strange political bedfellows” together to help solve problems that can only be effectively addressed if they work together. Hauss is currently Senior Fellow for Innovation at the Alliance for Peacebuilding where he helps lead its Peacebuilding Starts at Home initiative which focuses on what the Judy and Peter Blum Kovler Foundation refers to as “America's neglected needs.Hauss is the author of nineteen books on peacebuilding and comparative politics. His newest book Peacebuilding Starts at Home was published in November.Hauss holds a BA from Oberlin and a PhD from the University of Michigan.LinkedIn Profile: linkedin.com/in/chip-hauss-03a64744/Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, and RISE Robotics. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Green, Envirosult | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.SuperGreen Live, January 22–24, 2026, livestreaming globally. Organized by Green2Gold and The Super Crowd, Inc., this three-day event will spotlight the intersection of impact crowdfunding, sustainable innovation, and climate solutions. Featuring expert-led panels, interactive workshops, and live pitch sessions, SuperGreen Live brings together entrepreneurs, investors, policymakers, and activists to explore how capital and climate action can work hand in hand. With global livestreaming, VIP networking opportunities, and exclusive content, this event will empower participants to turn bold ideas into real impact. Don't miss your chance to join tens of thousands of changemakers at the largest virtual sustainability event of the year. Learn more about sponsoring the event here. Interested in speaking? Apply here. Support our work with a tax-deductible donation here.Demo Day at SuperGreen Live. Apply now to present at the SuperGreen Live Demo Day session on January 22! The application window is closing soon; apply today at 4sc.fun/sgdemo. 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No show until FRIDAY! Have a happy and safe New Years! Thank you again for the continued support! Today's word of the day is ‘savior' as in the NFL gets a dream scenario for Week 18 as in Steelers as in Ravens as in Panthers as in Buccaneers as in Seahawks as in 49ers! Wow. The AFC North is up for grabs. The NFC South is up for grabs. The No. 1 seed and the NFC West is up for grabs. And we cannot forget the losers all playing for the No. 1 pick in the NFL Draft! Let's start with the Steelers and DK Metcalf. (19:20) Saturday is locked up with two great games next weekend. That NFC South clash matters, but the Falcons could have a major say. What about the NFC West? The NFL could have to get through San Francisco to claim a title. (25:15) Are you interested in the No. 1 pick? We've got a five team battle! What's going on with the Raiders and Maxx Crosby? (33:40) Charles Barkley has a big issue with the NFL. He is sick of them playing on Christmas, and he made it known. (40:40) Review: Jay Kelly. (44:20) NPPOD. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Steelers pulled a Browns. Josh Allen missed an open receiver for the win. And the Sann Francisco 49ers are one step closer to finishing the season with home games only. Geoff Schwartz drops in to chat the future of Lamar Jackson. And Dave Dameshek, lists the NFL town who had the worst year in all of sports. Plus, we're already hyped about the "win-and-in" division battles. The San Francisco 49ers and Seattle Seahawks will battle for the No. 1 seed, while the Baltimore Ravens and Pittsburgh Steelers battle to become the king of the AFC North. It's on Football America! (Photo by Carolyn Kaster/AP) Rundown: -Geoff Schwartz on Holidays -Lamar Jackson -Jackson or Burrow -Worst Sports Town AUDIO Football America! is available wherever you listen to podcasts. Leave us a 5-star review on Apple Podcasts: https://podcasts.apple.com/us/podcast/football-america/id1831757512 Follow us: Dave Dameshek: https://x.com/dameshek Geoff Schwartz: https://x.com/geoffschwartz Host: Dave Dameshek Guests: Geoff Schwartz Team: Gino Fuentes, Mike Fuentes Director: Danny Benitez Senior Producers: Gino Fuentes, Mike Fuentes Executive Producer: Bradley Campbell Arizona Cardinals, Atlanta Falcons, Baltimore Ravens, Buffalo Bills, Carolina Panthers, Chicago Bears, Cincinnati Bengals, Cleveland Browns, Dallas Cowboys, Denver Broncos, Detroit Lions, Green Bay Packers, Houston Texans, Indianapolis Colts, Jacksonville Jaguars, Kansas City Chiefs, Las Vegas Raiders, Los Angeles Chargers, Los Angeles Rams, Miami Dolphins, Minnesota Vikings, New England Patriots, New Orleans Saints, New York Giants, New York Jets, Philadelphia Eagles, Pittsburgh Steelers, San Francisco 49ers, Seattle Seahawks, Tampa Bay Buccaneers, Tennessee Titans, Washington Commanders Learn more about your ad choices. Visit podcastchoices.com/adchoices

On today's episode of The Stretch we are joined by former Bears offensive lineman Kyle Long. We recap the Bears 38-42 loss against the San Francisco 49ers on Sunday Night Football. We get into how this loss is still a further reflection of what this team and coaching staff are capable of as a whole. We are later joined by White Sox Dave from Panama and talk some Bears playoff scenarios and more.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/redlineradio

No show until FRIDAY! Have a happy and safe New Years! Thank you again for the continued support! Today's word of the day is ‘savior' as in the NFL gets a dream scenario for Week 18 as in Steelers as in Ravens as in Panthers as in Buccaneers as in Seahawks as in 49ers! Wow. The AFC North is up for grabs. The NFC South is up for grabs. The No. 1 seed and the NFC West is up for grabs. And we cannot forget the losers all playing for the No. 1 pick in the NFL Draft! Let's start with the Steelers and DK Metcalf. (19:20) Saturday is locked up with two great games next weekend. That NFC South clash matters, but the Falcons could have a major say. What about the NFC West? The NFL could have to get through San Francisco to claim a title. (25:15) Are you interested in the No. 1 pick? We've got a five team battle! What's going on with the Raiders and Maxx Crosby? (33:40) Charles Barkley has a big issue with the NFL. He is sick of them playing on Christmas, and he made it known. (40:40) Review: Jay Kelly. (44:20) NPPOD. Learn more about your ad choices. Visit podcastchoices.com/adchoices

RUNDOWN   Mitch and Hotshot break down the massive Seahawks–49ers matchup, laying out the stark difference between winning the NFC's top seed versus entering the playoffs as a road-bound wild card. They debate San Francisco's battered defense, Seattle's dominant defense, and whether Sam Darnold can rediscover the early-season form that once put him in MVP conversations—especially after scoring just 18 total first-half points over the last four games. Mitch floats a classic emotional hedge: bet the 49ers money-line so a Seahawks win feels priceless and a loss at least comes with consolation cash. Mitch and Brady Henderson break down Seattle's 27–10 win over Carolina, praising another elite defensive performance while sounding alarms about the offense's habit of slow starts and turnovers, with just 18 first-half points over the last four games. They preview Saturday night's NFC West showdown in Santa Clara, weighing a battered 49ers defense against Brock Purdy's red-hot offense and debating which version of Sam Darnold shows up. The segment closes with Taco Time honors for DeMarcus Lawrence and Zach Charbonnet, as Seattle stands one win away from the NFC's No. 1 seed and a first-round bye. Rick Neuheisel joins Mitch for a wide-ranging College Football Playoff preview, diagnosing Clemson's 7–6 collapse as the moment NIL and the portal finally "happened" to Dabo Swinney, and reacting with surprise to Kyle Whittingham leaving Utah for Michigan as a potential cleanup hire. Neuheisel breaks down all four CFP games, backing Ohio State to survive Miami, Texas Tech to upset Oregon, Indiana to knock off Alabama, and Ole Miss to take down Georgia. He locks in Ole Miss plus the points as his official pick, staying hot at 8–6 against the spread while handing out Taco Time honors along the way.   GUESTS   Brady Henderson | Seahawks Insider, ESPN Rick Neuheisel | CBS College Football Analyst, Former Head Coach & Rose Bowl Champion   TABLE OF CONTENTS   0:00 | High-stakes NFC showdown looms as Seahawks chase the No. 1 seed, debate a hedge bet, and wonder where first-half Sam Darnold went. 3:08 | BEAT THE BOYS - Register at MitchUnfiltered.com 24:07 | GUEST: Seahawks No-Table - Brady Henderson; Seahawks dominate Carolina but face the ultimate test: hot Niners offense, shaky starts, and everything on the line in Santa Clara. 44:24 | GUEST: Rick Neuheisel; College football's new reality hits Clemson, Michigan turns to Kyle Whittingham, and Neuheisel makes his CFP picks with Ole Miss as the hill to die on.

Episode 745: Neal and Toby sit down with Bill Gurley, a venture capitalist and author and discuss Bill's new book “Runnin' Down a Dream, How to Thrive in a Career You Actually Love”. The guys ask Bill about what practices one should have when pursuing an interest they might wanna make a career. Plus, where would Bill start an AI company, Austin or San Francisco? The 9-9-6 mentality, and more. Check out https://www.public.com/morningbrew for more Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nate Tice & Charles McDonald give their instant reactions and takeaways from Week 17 of NFL action. After providing takeaways from the San Francisco 49ers' shootout win over the Chicago Bears on Sunday night, the duo provide their 3 Highs, 3 Lows from a wild week around the NFL. The highs include the Philadelphia Eagles holding off the Buffalo Bills late, the Las Vegas Raiders getting the inside track on the first overall pick in the 2026 NFL Draft over the New York Giants and the Houston Texans winning their eighth straight on Saturday over the Los Angeles Chargers.For the lows, Nate & Charles hit on the Green Bay Packers showing they can't be trusted in a loss to the Baltimore Ravens, the Tampa Bay Buccaneers and Carolina Panthers acting like they're not interested in winning the NFC South and the Pittsburgh Steelers proving unable to clinch the division against the Cleveland Browns.For Extra Credit, the duo discuss Drake Maye's huge 5-TD performance and Trey McBride setting records for the Arizona Cardinals.(1:00) - 49ers beat Bears(20:00) - Eagles beat Bills(33:15) - Raiders win (lose) tank bowl(45:20) - Texans win eighth straight(55:30) - Packers can't be trusted(1:07:05) - Does anyone want to win the NFC South?(1:21:35) - Steelers lose to Browns(1:33:05) - Extra Credit: Drake Maye & Trey McBrideSubscribe to Football 301 on your favorite podcast app:

On today’s episode, Jason discusses the San Francisco 49ers' thrilling Sunday Night Football victory over the Chicago Bears, whether the Niners' high-octane offense will be able to overcome a leaky defense and make a deep playoff run, why it's so hard to trust the Philadelphia Eagles even despite their win over the Buffalo Bills, if the newly-minted AFC East champion New England Patriots are legitimate Super Bowl contenders, and what to look for in this week's College Football Playoff games. #OddCouple Follow Jason on Twitter and Instagram. Click here to subscribe, rate and review all of the latest Straight Fire with Jason McIntyre podcasts!See omnystudio.com/listener for privacy information.

Jeremiah Sirles, Alex Boone and Phil Mackey react to Week 17 in the NFL! The Pittsburgh Steelers and Baltimore Ravens play a winner-take-division Week 18 game; Where will Malik Willis wind up?; And more! 01:00 - Boone made a guy puke 05:00 - Pittsburgh Steelers and Baltimore Ravens have A LOT on the line this Sunday13:00 - Lamar Jackson drama 19:00 - Where will Green Bay Packers QB Malik Willis sign in free agency? 28:00 - San Francisco 49ers edge Chicago Bears in a BANGER of a game 45:00 - Detroit Lions lost to Max Brosmer and the Minnesota Vikings! 53:00 - More on Minnesota Vikings and Brian Flores 58:00 - We already miss Philip Rivers 1:06:00 - Maxx Crosby vs. Las Vegas Raiders1:10:00 - Philadelphia Eagles edge Buffalo Bills See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode of "49ers Talk," co-hosts Matt Maiocco and Jennifer Lee Chan discuss the electric atmosphere at Levi's Stadium on Sunday and how San Francisco has proven all season that this iteration of the team is built for prime-time games. Also, the duo discusses how good of a job coach Kyle Shanahan and 49ers GM John Lynch have done keeping the team's competitive window open, as well as how a unique roster and season is capturing the hearts of the 49ers Faithful.--(1:00) SNF was an electric atmosphere between 49ers, Bears(6:00) Why this 49ers team is made for prime time(9:00) 49ers continue trend of backups stepping up in Week 17(14:00) How Kyle Shanahan can make real push for NFL Coach of the Year(18:00) As CMC's game goes, so go the 49ers(22:00) Why first-round bye is pivotal to 49ers' health(37:00) What makes this 49ers team unique? Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jim Rome's Daily Jungle 12/29/25 Brian Webber on the San Francisco 49ers thrilling against the Chicago Bears to put themselves in position to snatch the #1 seed in the NFC. With one week left in the regular season, Brian breaks down the playoff scenarios. Today's Guests include Ted Nguyen of The Athletic and Jori Epstein of Yahoo Sports. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Rich reacts to Brock Purdy and the San Francisco 49ers' thrilling 42-38 slugfest win over the Caleb Williams' Chicago Bears on Sunday Night Football. Rich weighs in on the Philadelphia Eagles' narrow Week 17 win over the Bills after Josh Allen badly missed a wide-open receiver on a 2-point conversion that would have won the game for Buffalo. Rich breaks down the Steelers blowing their big chance to lock up the AFC North by laying a big fat egg against Myles Garrett and Cleveland Browns. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Shannon Sharpe and Chad “Ochocinco” Johnson react to a wild day of NFL football. The Chicago Bears go on the road to take on the San Francisco 49ers, Rookie Wide Receiver for the Texans Jaylin Noel joins the show, and the Cleveland Browns upset the Pittsburgh Steelers and keep the Baltimore Ravens playoff hopes alive and much more! Subscribe to Nightcap presented by PrizePicks so you don’t miss out on any new drops! Download the PrizePicks app today and use code SHANNON to get $50 in lineups after you play your first $5 lineup! Visit https://prizepicks.onelink.me/LME0/NI... 04:55 - 49ers beat Bears19:20 - Texans WR Jaylin Noel joins the show!38:32 - Browns beat Steelers46:00 - Jaguars WR Parker Washington joins the show!1:02:25 - Steelers won't void DK Metcalf’s $45M in guarantees (Timestamps may vary based on advertisements.) #ClubSee omnystudio.com/listener for privacy information.

Join NFL Legends James "Deebo" Harrison and Joe Haden as they react to Shedeur Sanders and the Cleveland Browns upsetting Aaron Rodgers and the Pittsburgh Steelers, Jalen Hurts and the Philadelphia Eagles knocking off Josh Allen and the Buffalo Bills, Brock Purdy and the San Francisco 49ers beating Caleb Williams and the Chicago Bears in an offensive masterclass, and much more action from Week 17 of the 2025 NFL season! Download the PrizePicks app today and use code DEEBOJOE to get $50 in lineups after you play your first $5 lineup! https://prizepicks.onelink.me/LME0/DEEBOJOE Timeline:00:00 - Intro04:50 - Browns beat Steelers50:30 - 49ers beat Bears53:00 Eagles beat Bills55:12 - Play or Fade Presented by PrizePicks (Timestamps may vary based on advertisements.) #Club #NightcapSee omnystudio.com/listener for privacy information.

Time to Get Up with a game for the ages last night - The Bears left their hearts in San Francisco - we'll tell you exactly what it meant for both NFC heavyweight (0:00) Meanwhile - A slugfest in Philly with a fabulous finish that left lots of room for doubt!!!! (13:00) And - oh the Steelers blew it - now they play for their lives Sunday night - we'll tell you why the reason they lost was a player who wasn't even on the field! (39:15) Learn more about your ad choices. Visit podcastchoices.com/adchoices

A double year in review by Stiggs McQueen. -Holidays, Shows and the upcoming new year. -Cover songs, permissions and more! Correction- I said the thumb photo was from the let it happen artwork but it was from the 10 years and running back side artwork. Any questions or comments 1-360-830-6660 MXPX is coming! 2026 JAN with The Suicide Machines -Friday January 9 - Vancouver, BC Commodore Ballroom -Saturday January 10 - Seattle, WA at the Showbox SOLD OUT!!!!! -Friday January 23 - Santa Cruz, CA at the Catalyst -Saturday January 24 - San Francisco,CA at the Fillmore MAR -Thursday March 26 - Washington DC at 9:30 Club -Friday March 27 - Norfolk, VA at The Norva -Saturday March 28 - Charlotte, NC at The Fillmore -Sunday March 29 - Charleston, SC at Charleston Music Hall APRIL  Saturday April 11 - Denver, CO at Mission Ballroom w/Goldfinger, Zebrahead and Home Grown https://linktr.ee/Mikeherrerapodcast Leave a voicemail- 360-830-6660 --------------------- Check out the new MxPx album 'Find A Way Home' at MxPx.com and streaming everywhere now! Sterling By Music Man Mike Herrera Signature StingRay Electric Bass Guitar - Orange Creamsicle MIKE HERRERA SIGNATURE SERIES BASS OG Listen or watch "Linoleum" here MXPX - Self Titled Deluxe Edition If you like the podcast- Subscribe, rate and review on Apple. Support what I do at MXPX.com and also add MXPX and Mike Herrera to your music libraries on whatever streaming platfrom you use. Producing and editing by Bob McKnight. @Producer_Bob

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Good news. If you need to catch up on retirement, check out a program. M put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

Bay Area native and acclaimed director of “Crazy Rich Asians” and “In the Heights,” Jon M. Chu now brings one of Broadway's most beloved musicals to the big screen with the conclusion of his box office-smashing two-part adaptation of “Wicked.” He joined Mina Kim onstage in San Francisco for a KQED Live event where he reflected on his Bay Area roots, his rise through Hollywood and the beauty of reimagining stories that feel larger than life. We listen to that conversation from December 3rd. Learn more about your ad choices. Visit megaphone.fm/adchoices

Leila Rahimi, Marshall Harris and Mark Grote discussed Bears head coach Ben Johnson's play-calling and clock management on the final drive of Chicago's 42-38 loss at San Francisco on Sunday.

In the second hour, Leila Rahimi, Marshall Harris and Mark Grote discussed Bears head coach Ben Johnson's play-calling and clock management on the final drive of Chicago's 42-38 loss at San Francisco on Sunday. The Bears were two yards away from scoring the game-winning touchdown. After that, Rahimi, Harris and Grote detailed how a number of Bears rookies continue to produce at a high level.

Munaf Manji and Mackenzie Rivers discuss all the action from this past weekend. The NFL Week 17 slate delivered one of the most electric prime time games of the season, with the San Francisco 49ers edging the Chicago Bears 42 to 38 on Sunday night in a matchup that reshaped playoff positioning and showcased elite quarterback play. Chicago stunned early with a pick six on Brock Purdy's first throw, but San Francisco responded immediately, and the game exploded into a 14 to 14 tie by the end of the first quarter. The offenses never slowed, combining for 80 total points as both teams traded touchdowns in relentless fashion. Purdy shook off the early mistake and authored a dominant performance, completing 24 of 33 passes for 303 yards and three passing touchdowns while adding two rushing scores for five total touchdowns. Christian McCaffrey powered the ground game with 140 rushing yards on 23 carries and added 41 receiving yards, while Caleb Williams kept Chicago competitive with 330 passing yards, two touchdowns, and additional production as a runner. San Francisco covered as a small favorite and the total sailed past the closing number, but the defining moment came on the final play, when the 49ers generated pressure and preserved the win as time expired. The victory extended San Francisco's winning streak to six and set up a decisive Week 18 showdown with Seattle for the NFC West crown. Despite offensive brilliance, concerns linger on the defensive side for the 49ers, who continue to battle injuries, including the absence of Fred Warner and Nick Bosa, making the team heavily reliant on its offensive efficiency. The Bears, meanwhile, continued to validate their late season surge, with repeated comeback wins and sustained offensive execution placing them firmly among the NFC's top contenders. Elsewhere, Week 17 clarified several division races heading into the regular season finale. Baltimore's win over Green Bay tightened the AFC North race, setting up a winner take all matchup with Pittsburgh in Week 18, while the NFC South and NFC West will also be decided in the final week. With motivation varying across the league, markets are shifting rapidly based on rest decisions, injuries, and incentives, making information paramount entering the final slate. As the postseason approaches, Week 17 will be remembered for its chaos, its scoring, and a Sunday night classic that reinforced San Francisco's championship aspirations while reminding the league that no defense is safe when momentum and execution collide at the highest level. Learn more about your ad choices. Visit megaphone.fm/adchoices

The NFL regular season is nearing the end as Week 18 kicks off this Thursday! How should you approach betting this week? Join Kelly Stewart and Teddy Covers for The Opening Line Report as we dissect the NFL Week 18 betting markets opening betting lines!Intro 00:00MNF Overview 2:00Season Win Totals 3:30How do you Bet Week 18? 5:15Carolina Panthers vs Tampa Bay Buccaneers 7:00Seattle Seahawks vs San Francisco 49ers 12:35Green Bay Packers vs Minnesota Vikings 15:20Indianapolis Colts vs Houston Texans 19:35Miami Dolphins vs New England Patriots 22:00 Kansas City Chiefs vs Las Vegas Raiders 25:54Detroit Lions vs Chicago Bears 29:44New York Jets vs Buffalo Bills 32:00Baltimore Ravens vs Pittsburgh Steelers 36:00Cleveland Browns vs Cincinnati Bengals 42:12Dallas Cowboys vs New York Giants 44:30Washington Commanders vs Philadelphia Eagles 47:18New Orleans Saints vs Atlanta Falcons 49:45Arizona Cardinals vs Los Angeles Rams 52:00Los Angeles Chargers vs Denver Broncos 53:22Tennessee Titans vs Jacksonville Jaguars 54:50

Greg and Aldo revisit the Bears loss at San Francisco and look ahead to the Lions

Text a Message to the ShowA special guest host interviews Chaplain Altic to recap the year!  Police Major Joe Grasela joins Jared to give us a recap of their favorite moments from the 2025 Hey Chaplain episodes.  Listen in to find out what were the most noteworthy episodes of the year; also included are the top ten listener countries and cities. And don't miss a sneak peek of what's coming in 2026 and beyond!Episodes directly referenced in the show:Dana Gouge was on episodes 110 and 110.5Tim Eggebraaten was on episodes 114 and 114.5Todd Hixson was on episodes 107 and 107.5Rick James was on episode 120Jim Dudley's Halloween episode was Bonus Ep 46My solo episode on grief was Bonus Ep 44Shenee Davis and Gregg Dorsett were on episodes 126 and 126.5Jamison White was on episode 128Jake the International Security Specialist Guy was on episode 117Music is by DJ WilliamsHey Chaplain Podcast Episode 130Tags: Podcasting, Bagpipes, Career, Chaplains, Copline,  DEA, Detectives, Encouragement, Funerals, History, Imposter Syndrome, Listeners, Microphones, Music, Police, RCMP, Recording, Serial Killers, Support, Kansas City, San Francisco, Wichita, California, Kansas, CanadaSupport the showThanks for Listening! And, as always, pray for peace in our city.Subscribe/Follow here: Apple Podcasts: https://podcasts.apple.com/us/podcast/hey-chaplain/id1570155168 Spotify: https://open.spotify.com/show/2CGK9A3BmbFEUEnx3fYZOY Email us at: heychaplain44@gmail.comYou can help keep the show ad-free by buying me a virtual coffee!https://www.buymeacoffee.com/heychaplain

Jarrett Bailey and former Kansas City Chiefs head coach and Pittsburgh Steelers offensive coordinator Todd Haley recap Week 17 in the NFL: -Josh Allen and the Buffalo Bills look awful against the Philadelphia Eagles -The Pittsburgh Steelers fail to take advantage of the Cleveland Browns -The Chicago Bears and San Francisco 49ers put on a show Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textToday's topic is The Power of Humility in Healing with guest co-host Becky F. 

Nate Tice & Charles McDonald give their instant reactions and takeaways from Week 17 of NFL action. After providing takeaways from the San Francisco 49ers' shootout win over the Chicago Bears on Sunday night, the duo provide their 3 Highs, 3 Lows from a wild week around the NFL. The highs include the Philadelphia Eagles holding off the Buffalo Bills late, the Las Vegas Raiders getting the inside track on the first overall pick in the 2026 NFL Draft over the New York Giants and the Houston Texans winning their eighth straight on Saturday over the Los Angeles Chargers.For the lows, Nate & Charles hit on the Green Bay Packers showing they can't be trusted in a loss to the Baltimore Ravens, the Tampa Bay Buccaneers and Carolina Panthers acting like they're not interested in winning the NFC South and the Pittsburgh Steelers proving unable to clinch the division against the Cleveland Browns.For Extra Credit, the duo discuss Drake Maye's huge 5-TD performance and Trey McBride setting records for the Arizona Cardinals.(1:00) - 49ers beat Bears(20:00) - Eagles beat Bills(33:15) - Raiders win (lose) tank bowl(45:20) - Texans win eighth straight(55:30) - Packers can't be trusted(1:07:05) - Does anyone want to win the NFC South?(1:21:35) - Steelers lose to Browns(1:33:05) - Extra Credit: Drake Maye & Trey McBride Subscribe to Football 301 on your favorite podcast app:

Join Dave, Ficky, and Jack on the BFR Podcast as they break down the Chicago Bears vs. San Francisco 49ers matchup in our full post-game show. From instant reactions and key plays to film insights and standout performances, the crew gives a fan-first perspective on what went right, what went wrong, and what it all means moving forward. Whether it's offensive execution, defensive adjustments, or coaching decisions, nothing is off the table. Your go-to spot for real Bears talk, game analysis, and fan reactions — by fans, for fans. Bear down and tune in on your favorite podcast platform!

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