Podcasts about save money

Everything is so expensive right now! DCS has some tips and brings on experts to help us all with how to save money during these tough times. Plus DCS talks to Anjelah Johnson about her new comedy special, names a new richest woman in entertainment and Dana and Auto are doing FIFA FanFest together!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3585: Charlie Johnson shares a counterintuitive approach to saving money: spend intentionally on the few things that genuinely increase your happiness while cutting back aggressively on everything else. By identifying and prioritizing the expenses that matter most, he explains how this strategy helped him eliminate $25,000 in credit card debt while enjoying life more along the way. Read along with the original article(s) here: https://www.jackiebeck.com/how-to-save-money-by-spending-on-yourself-no-really/ Quotes to ponder: "I was spending tons of money on things I didn't care about." "As long as I continued to spend money on the things that made me happy, I could enjoy life and save money." "The goal is to spend on the few things that matter the most to you and save your money on the many things that don't." Episode references: Starbucks: https://www.starbucks.com Netflix: https://www.netflix.com The Pareto Principle (80/20 Rule): https://en.wikipedia.org/wiki/Pareto_principle Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3585: Charlie Johnson shares a counterintuitive approach to saving money: spend intentionally on the few things that genuinely increase your happiness while cutting back aggressively on everything else. By identifying and prioritizing the expenses that matter most, he explains how this strategy helped him eliminate $25,000 in credit card debt while enjoying life more along the way. Read along with the original article(s) here: https://www.jackiebeck.com/how-to-save-money-by-spending-on-yourself-no-really/ Quotes to ponder: "I was spending tons of money on things I didn't care about." "As long as I continued to spend money on the things that made me happy, I could enjoy life and save money." "The goal is to spend on the few things that matter the most to you and save your money on the many things that don't." Episode references: Starbucks: https://www.starbucks.com Netflix: https://www.netflix.com The Pareto Principle (80/20 Rule): https://en.wikipedia.org/wiki/Pareto_principle Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3585: Charlie Johnson shares a counterintuitive approach to saving money: spend intentionally on the few things that genuinely increase your happiness while cutting back aggressively on everything else. By identifying and prioritizing the expenses that matter most, he explains how this strategy helped him eliminate $25,000 in credit card debt while enjoying life more along the way. Read along with the original article(s) here: https://www.jackiebeck.com/how-to-save-money-by-spending-on-yourself-no-really/ Quotes to ponder: "I was spending tons of money on things I didn't care about." "As long as I continued to spend money on the things that made me happy, I could enjoy life and save money." "The goal is to spend on the few things that matter the most to you and save your money on the many things that don't." Episode references: Starbucks: https://www.starbucks.com Netflix: https://www.netflix.com The Pareto Principle (80/20 Rule): https://en.wikipedia.org/wiki/Pareto_principle Learn more about your ad choices. Visit megaphone.fm/adchoices

Jennifer Gardner is a trial attorney, administrative judge, speaker, and law firm owner based in Los Angeles. In this episode, Jennifer shares how she built a career rooted in leadership and service, why lawyers need stronger communication and influence skills, and how legal professionals can use their creativity far beyond traditional practice.Lawyer Side HustlesIn addition to running her law firm and serving as an administrative judge, Jennifer has expanded into leadership education and public speaking. She now teaches professionals and lawyers how to improve their influence, communication, persuasion, and visibility skills while helping highly sensitive communicators become stronger leaders.“These are the irreplaceable human skills that I think are going to become more valuable as we use AI more and more,” Jennifer Gardner expresses in Episode 247 of You Are a Lawyer.Jennifer also created a free guide called How to Save Money on Legal Fees Before Hiring a Lawyer to help people navigate legal problems more efficiently and communicate more effectively with their attorneys. Her broader work reflects a consistent theme throughout her career: empowering people through education, preparation, and thoughtful leadership.  This episode is produced by Skip the Boring Stuff, a podcast strategy company for business owners and creatives.

As of 1st July 2023, UK energy regulator Ofgem brought the energy price cap down to £2,074, a significant fall from the previous price guarantee of £2,500 that was introduced by the government in October 2022. Prices had soared mostly due to an increase in wholesale energy costs caused by the war in Ukraine. Bear in mind the price cap is based on an estimate for a dual fuel household paying by direct debit based on typical consumption. It's not an absolute cap on your energy bill, so if you consume more than the average, you will pay more. Do I need to do anything with my boiler ? What about changing provider ; is that allowed ? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How can you secure your home before leaving on holiday?⁠ ⁠What is last chance tourism?⁠ ⁠Which are the best cities in the world to live in?⁠ A podcast written and realised by Joseph Chance. First broadcast : 09/07/2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

Bruce & Gaydos explain why commercial truck drivers drove 4% slower in late April due to the rising cost of diesel fuel.

Host:  Mindy McCulley, MS Extension Specialist for Instructional Support, University of Kentucky   Guest: Leslie Frame, MS Extension Specialist for Family and Consumer Sciences and EXCITE Health Agent  Season 8 | Episode 51 In this episode to MoneyWi$e on Talking FACS, host Mindy McCulley talks with Leslie Frame, Extension Specialist and EXCITE health agent, about simple strategies to get the most from medical visits, avoid surprise medical bills, and protect your health and budget. They explain the EXCITE program and why vaccine confidence and health literacy matter. Learn five practical steps for doctor appointments—what to bring (ID, insurance, assistive devices), how to prepare a two-minute health history, the importance of repeating back instructions, handling forms and tech, and tracking medications (including OTCs and supplements). The episode also covers vaccinations, when to consult your clinician, and useful resources like KYIR and VaccineFinder.org to locate records and vaccine sites. Short, actionable, and budget-focused, this episode helps you be a better health advocate, make informed choices, and save money through preventive care and clear communication. For more information about this topic and other MoneyWi$e topics, visit: MoneyWi$e Newsletters MoneyWi$e Website Kentucky Immunization Registry Find Vaccines Connect with FCS Extension through any of the links below for more information about any of the topics discussed on Talking FACS. Kentucky Extension Offices UK FCS Extension           Website           Facebook           Instagram           FCS Learning Channel

Big K Hour 03: Hear about some apps you can download that will help you save money on groceries as prices continue to soar full 1505 Tue, 02 Jun 2026 13:17:37 +0000 ySAzKy8xKS4pQHgEdmocYj9scvulbu4x news The Big K Morning Show news Big K Hour 03: Hear about some apps you can download that will help you save money on groceries as prices continue to soar The Big K Morning Show 2024 © 2021 Audacy, Inc.

In this weekly roundup of news coverage, Nick breaks down important stories you might have missed that we should all have eyes on. Big AI Lie EXPOSED! Why Your Job Isn't the Real Target   Ever wondered if AI is really coming for your job or if you're just funding a billionaire's gamble?    Nick unpacks the shocking truths behind the tech industry's AI frenzy—spoiler alert: it's more smoke and mirrors than Silicon Valley's latest miracle.  

Alicia is the founder of College Redefined. She grew up as a homeschooled student. During middle school, she became motivated to find ways to complete her college degree faster while making it cost-efficient at the same time. Through hard work and dedication, she graduated from high school with almost 2 years of college already completed. Upon graduation, she worked full-time as a school teacher for two years while still working on her degree. Alicia is passionate about helping students get an advantage in college by earning some college credits during middle/high school or a gap year. This will allow them to finish college quicker and for less money while strengthening their resume through work experience at a young age. In our conversation, we discussed: What students can be working on before they decide on their college major The best low-cost ways to explore different degrees The most expensive mistakes undecided students make Step one for students who feel stuck And much more… Alicia and I are teaming up with an amazing offer! Get lifetime access to the Scholarship GPS course, where you and your student will learn: How to identify the best scholarships for your student Best practices for scholarship applications, essays, and projects The importance of crafting your student's Personal Narrative --   a key element in winning scholarships Additionally, you will have access to helpful tools such as: A scholarship tracking tool preloaded with quick and easy no-essay scholarships for immediate application A scholarship checklist template to ensure completion of applications An activity log to track your student's volunteer experiences  As an added bonus, you'll get Alicia's Specialized College Plan, a a personalized strategy designed around your student's individual strengths, goals, and future career aspirations. Students receive expert guidance tailored specifically to their academic performance, interests, hobbies, learning style, and long-term vision. Get both programs at the special, limited-time discounted cost of just $147! Visit ScholarshipGPS.com/collegeredefined to learn more and to sign up today! ---------- Talk to REAL students and get the REAL story.  Campuswink.com gives students and families direct access to hundreds of current college students nationwide for personalized campus tours and virtual Q&A sessions. Ask the questions official tours won't answer and get insider insight before stepping on campus. Choose your school. Choose your Guide. Ask anything. Personalized tours and live student connections are available nationwide. Go to CampusWink.com to learn more. ---------- Will Your Student Learn the Secrets to Scholarship Success This Summer? Our Most Popular Program! The Scholarship Summer Camp is for high school students in the Classes of 2027, 2028, 2029, and 2030. Your student will learn the skills required for scholarship success by applying for real scholarships, including a $35,000 scholarship capstone project! Every Monday through Thursday, a new, pre-recorded lesson will be released. On Thursday evenings, we will be live (but recorded for future viewing), discussing the week's lessons and taking Q&A. Here's the agenda: Week 1: The Tools For Scholarship Success Week 2: Your Personal Narrative Week 3: Finding The Right Scholarships For You Week 4: Why Do You Deserve To Win This Scholarship? (Apply for a Real Scholarship This Week!) Week 5: Topical Scholarships (Apply for Another Real Scholarship This Week!) Week 6: $35,000 Capstone Scholarship Project! Click here to learn more and register today. ---------- Featured Scholarships: $35,000 VFW Voice of Democracy Contest Towson Law Firm $1000 Child Custody Analysis Scholarship $5000 Burress Injury Law Underdog Scholarship $1000 Easy Money Scholarship  

Sad Boys For Real! Chicago rapper, Joey Purp, slides to PVTSTCK, to discuss his 10 years in rap since dropping his debut project, iiiDrops. Joey discusses his relationship with SaveMoney friends: Chance the Rapper, Vic Mensa, Kami & many more. Also, the traumas he's overcome throughout his life & leaning on God in times where circumstances felt extra heavy. In the song, "I came I seen," Joey says, “I doubled my karma fro devilish ways / I know my past been haunting me / I pray the casket far from me / I just been praying for peace for ya'll / cause I been going to war with me." Joey reflects on the internal battles he had to overcome within himself to find the peace he has today. From cleaning up the trauma that numbed him from an early age to his own decisions, Joey talks about this with a transparency second to none. Standing on a truth that most hardly ever face.Also discussed: becoming a father, leaving behind certain relationships, and importance of God's forgiveness. "Joey Purp Interview: Overcoming Trauma, Finding God, 10 Years in Rap, & SaveMoney | Sad Boy Radio"

In order to save money on your automobile, you have to be intentional. Tony Joe and Bob talk about tips to keep those costs down.

Nicole and I talk about checking out Poshmark and Ebay when you want to buy something instead of going straight to amazon.  Eric's Amazon Page affiliate link: https://geni.us/5UWTG    Sign Up For My Free Newsletters: https://www.gardenfork.tv/email/ Here are 2 After Shows for you to check out, please consider becoming a Patron of GF. https://www.patreon.com/posts/138069613  https://www.patreon.com/posts/free-after-show-122506027  Here's one of the many Labs pics I post for patrons: https://www.patreon.com/posts/step-away-and-be-122999799 Please considering supporting the GF world by becoming a supporter on Patreon. You get weekly Labrador and behind the scenes photos and vids, plus the Patron-only GardenFork Radio After Show. :) https://www.patreon.com/gardenfork Check out the new Cool Stuff emails: Cool Stuff #1 https://preview.mailerlite.com/n3c9y8y8a2 Cool Stuff #2 https://preview.mailerlite.com/h7o6t7l9a6 Start your Amazon shopping using our affiliate link: https://geni.us/5UWTG  The Tools I Use: https://geni.us/bXV6a7  GardenFork receives compensation when you use our affiliate links. This is how we pay the bills ;) Email me: gardenfork87@gmail.com Watch us on YouTube: www.youtube.com/gardenfork Music used on the podcast is licensed by AudioBlocks and Unique Tracks ©2026 GardenFork Media LLC All Rights Reserved GardenFork Radio is produced in Brooklyn, NY

How far are you willing to go to save some money? This morning's War of the Roses involves a woman's husband who claims he is car pooling to save money on gas... we discuss before we get in War of the Roses. See omnystudio.com/listener for privacy information.

Lamont interviewed Meat Dad. Listen to The Lamont Show Monday through Friday, 6-10am, on 107.7 The Bone. For more of 107.7 The Bone go to: 1077thebone.com Connect with 107.7 The Bone on Facebook, Instagram, X, YouTube and TikTok. Connect with 107.7 The Bone on Apple, Spotify or Amazon Music.See omnystudio.com/listener for privacy information.

Money is tight and car repairs are expensive. Before you head to your shop call us for help with what might be wrong with your car. We are the Motor Medics working in our shop every day for decades now and broadcasting on over 250 radio stations and podcast helping people fix their cars and trucks since 1990. The call cost nothing but could save you thousands. Call us any day 866-594-4150 and leave us a message to get back to you or call live during the show. Thursdays from 9-11am Central. Here are today's callers. Why does my 18 Mustang have an o2 sensor code after I overfilled the gas tank? What fluid maintenance should I do on my Colorado? When should I do my first oil change on my 26 Trailblazer? What is the proper transmission temp range for a 08 Tahoe? What causes a repeat misfire and bad coils on a 19 Honda Accord 1.6?

Man retrofits a Barbie car to save money on gas HR 2 full 2356 Thu, 21 May 2026 16:05:50 +0000 Ti4lsPa4c4rT1oz1vi1Xly4UFXTP41rT news MIDDAY with JAYME & WIER news Man retrofits a Barbie car to save money on gas HR 2 From local news & politics, to what's trending, sports & personal stories...MIDDAY with JAYME & WIER will get you through the middle of your day! © 2025 Audacy, Inc. News https://player.amperwavepodcasting.com?fee

In this episode, we sit down with Brad from Butcher Wizard to talk all things beef, butchery, and how to actually save money while eating better.We break down the biggest mistakes people make when buying meat, why the “big 3” cuts aren't always the best option, and how learning a few simple butchery skills can completely change your experience in the kitchen.If you've ever wanted to understand beef on a deeper level—this one's for you.Learn more about Brad Baych the Butcher Wizard:https://www.butcherwizard.comhttps://www.youtube.com/@ButcherWizard

Send us Fan MailThis week's podcast is all about how to spend less money to detail your car!What ways do you save money as a detailer?--*Corded* 25MM DUAL ACTION POLISHER: https://bit.ly/25mmCorrectionProDA*CORD FREE* 25MM DUAL ACTION POLISHER: https://bit.ly/CordFreeDualActionPolisher*Corded* MAX GLOSS ROTARY POLISHER: https://bit.ly/DIYMaxGlossRotary*CORD FREE* ROTARY POLISHER: https://bit.ly/CordFreeRotaryPolisher1 YEAR SPRAY GRAPHENE COATING: https://bit.ly/1YearSprayCoatingDIY DETAIL GIFT CARD: https://bit.ly/DIYDetailGiftCardALL CLEAN: https://bit.ly/AllCleanDIYDetailBUSINESS IN A BOX: https://bit.ly/BusinessInABoxDIYDetailBUSINESS IN A BOX- Starter Set: https://bit.ly/BusinessInABoxStarterSetC6 APP (Adhesion Promoter Polish): https://bit.ly/AdhesionPromoterPolishC6 HYDRO LITE KIT: https://bit.ly/C6HydroLiteKitC6 HYDRO GLASS: https://bit.ly/C6HydroGlassC6 MIST: https://bit.ly/C6MistCOATING LEVELING TOWELS: https://bit.ly/CoatingLevelingTowelsCOTTON CANDY DREAM WASH MITT: https://bit.ly/DIYWashMittCRYSTAL CLEAR GLASS CLEANER: https://bit.ly/CrystalClearGlassCleanerDRIP CATCHER 2 PACK: https://bit.ly/DripCatcherDIYDRYING BLANKET: https://bit.ly/TheDryingBlanketENVIE CERAMIC SEALANT: https://bit.ly/EnvieCeramicSealantFLUFFY WASH MITT: https://bit.ly/FluffyWashMittFREEBIRD 400 FLUFFY TOWELS: https://bit.ly/KoreanPlushBuffingTowelBlackGOLD STANDARD COMPOUND: https://bit.ly/GoldStandardCompoundGOLD STANDARD POLISH: https://bit.ly/GoldStandardPolishGOLD STANDARD WAFFLE PAD: https://bit.ly/GoldStandardWafflePadGOLD STANDARD WOOL PAD: https://bit.ly/GoldStandardWoolPadGOLD STANDARD ROTARY CUTTING PAD: bit.ly/RotaryCuttingPadHYDR8 CERAMIC COATING: https://bit.ly/HYDR8CeramicCoatingJEWELING PAD: https://bit.ly/RotaryJewelingPadINCREDIBLE WASH MITT: https://bit.ly/46kjKY6INCREDIBLE SUDS: https://bit.ly/IncredibleSudsINTERIOR CERAMIC: https://bit.ly/DIYInteriorCeramicINTERIOR CLEAN & PROTECT: https://bit.ly/InteriorCleanProtectINTERIOR TOWEL: https://bit.ly/InteriorTowelIRON REMOVER: https://bit.ly/3GfY4iM JEWELING PAD: https://bit.ly/RotaryJewelingPadLEGACY SPONGE: https://bit.ly/LegacySpongeLEVEL ONE TOWELS: https://bit.ly/LevelingTowelsDIYNICK'S FAVORITE GLASS TOWEL: https://bit.ly/NicksFavoriteGlassTowelPAD WASHER: https://bit.ly/PadWasherPANEL PREP: https://bit.ly/DIYPanelPrepPERFECTLY SAFE BRUSH: https://bit.ly/PerfectlySafeBrushPLUSH BUFFING TOWEL (FREEBIRD 400): https://bit.ly/PlushBuffingTowelQUAD FOLD “CLAY” TOWEL:  https://bit.ly/FineGradeClayTowelQUICK BEADS: https://bit.ly/QuickBeadsQUIVR FOAM CANNON: bit.ly/QUIVRFoamCannonRINSE LESS WASH: https://bit.ly/RinselessWashSHOW WINNING WAX: https://bit.ly/DIYDetailShowWinningWaxTire and Carpet Scrubbing Brush: https://bit.ly/TireAndCarpetScrubbingBrushTIRE DRESSING BRUSH: https://bit.ly/TireDressingBrushTIRE LOTION: https://bit.ly/TireLotionTRIM RESTORE & PROTECT: https://bit.ly/DIYRestoreAndProtectTREE SAP REMOVER: bit.ly/TreeSapRemoverWATERLESS WASH: https://bit.ly/WaterlessWashDIYWATER SPOT REMOVER: https://bit.ly/WaterSpotRemoverDIYWHEEL AND BODY BRUSH: https://bit.ly/WheelAndBodyBrushWHEEL BARREL BRUSH: https://bit.ly/WheelBarrelBrush1 YEAR SPRAY GRAPHENE COATING: https://bit.ly/1YearSprayCoating3 YEAR COATING-TYPE 3: https://bit.ly/3YearCoatingType35 YEAR COATING-TYPE 3: https://bit.ly/5YearCoatingTYPE3HYDR8 CERAMIC COATING: https://bit.ly/HYDR8CeramicCoatingFOAM COATING APPLICATOR: https://bit.ly/CoatingApplicatorC6 APP (Adhesion Promoter Polish): https://bit.ly/AdhesionPromoterPolishWebsite: https://diydetail.com/Podcast:https://bit.ly/DIYDetailPodcastJoin the DIY Detail Facebook Group!: https://bit.ly/DIYDetailFacebookGroupFind DIY Detail products worldwide: https://diydetail.com/pages/distributors#autodetailing  #diydetail #yvanlacroix #carwash #claytowel #detailing #detalingtip #howtodetailacar #detailing101

Along with hearing about volcanoes, waterfalls, black sand beaches, and gorgeous landscapes, one of the biggest things people associate with Iceland is how expensive it is. And honestly, that conversation comes up constantly. It's one of the most common questions when I am helping travelers planning their first trip here. Iceland has built a reputation online for being adventurous and fascinating, but also very expensive. And to be fair, it absolutely can be. Publications like Travel + Leisure have even ranked Iceland among the most expensive travel destinations in the world. From my perspective as someone who has lived in Iceland since 2016 and helped thousands of travelers through my podcast, social media channels, private consultations, and my in-depth video course, The Savvy Traveler's Guide to Iceland, what stands out to me is this: most people don't create a realistic budget for Iceland. Inside This 5-Day Iceland Budget Guide Knowing where to start with Budgeting for 5-days in Iceland Why the Season You Visit Changes Your Entire Budget What Kind of Iceland Experience Do You Want? Flights to Iceland Accommodations: The Biggest Budget Variable Rental Cars & Iceland’s New Road Tax How to Save on Renting a Car and Camper Van in Iceland The Hidden Iceland Expense Most Travelers Forget: Parking Fees Food Costs in Iceland Activities & Tours: What to Expect Use Discount Codes Strategically to Save Money Unexpected Costs Realistic 5-Day Iceland Budgets by Season Winter Budget Breakdown Shoulder Season Budget Breakdown Summer Budget Breakdown Knowing Where to Start with Budgeting a 5-day Trip for Iceland I think that people don’t always create a realistic budget for Iceland because they don’t know where to start. Travelers are often unsure about  how much to set aside for accommodations, activities, rental cars, food, parking, or even how much the season changes everything. So instead of just throwing random numbers at you, I want to walk you through how I would personally budget for a 5-day trip to Iceland depending on your travel style, the season, and the choices you make while you're here. Because the reality is that a 5-day trip to Iceland could cost one person around $1,300 and another person over $4,000 — and both of them could still have incredible experiences. The Season You Visit Iceland Changes Everything If there's one thing I really want travelers to understand before budgeting for Iceland, it's this: the season you visit impacts almost every single part of your trip. That includes accommodations, rental cars, flights, activities, and even how you spend your time while traveling. I'm honestly not exaggerating when I say that the exact same hotel room can literally double or triple in price depending on the month. For example, a hotel room that costs around $120 per night in winter can easily jump to $250–350 per night in summer. Same room. Same location. Same hotel. The only thing that changed is the season. Now, I don't say that to scare anyone. There are also unique events that can create unusually high prices, like the 2026 total solar eclipse in Iceland, where some accommodations are charging thousands of dollars per night because demand is so intense. That's not the normal reality for Iceland travel, but it does show how much seasonality and demand affect pricing here. Rental cars work exactly the same way. In summer, demand skyrockets, and travelers are often shocked by how quickly prices increase if they wait too long to book. What Kind of Iceland Experience Do You Want? Another huge part of budgeting for Iceland is understanding the type of trip you actually want to have. I think social media sometimes makes this harder because people see inspiration online and accidentally start comparing their budget to someone else's completely different trip. Maybe you want to see the Northern Lights, but you're planning to come in summer, which, by the way, isn't possible because the sun barely sets. Maybe you want to base yourself in Reykjavík and do day trips, or maybe you want to road trip around the country and stay in multiple places. Perhaps you want to rent a camper van or stay in luxury hotels for part of the trip because you're celebrating something special. All of those decisions affect your budget. One thing I regularly help people understand during my private video consultations is that Iceland often looks much smaller on the map than it actually is once you start driving around it. For example, if someone wants to stay in Reykjavík the whole trip but also drive to Jökulsárlón Glacier Lagoon, I explain that this is about a five-hour drive one way. That's ten hours of driving in a single day before you even stop at waterfalls, black sand beaches, or anywhere else along the route. That's why route planning matters so much in Iceland, not only for your sanity but also for your budget. Flights to Iceland – Cost per Season Flights to Iceland fluctuate constantly depending on the season, where you're flying from, how early you book, and global fuel prices. For winter, flights are often around $400–700 roundtrip, while summer flights can range from $600–1,200 or even higher. And honestly, airfare pricing lately has become even harder to predict because of global fuel market instability and international conflicts affecting energy prices. Those things trickle into airline pricing too, so whenever I give ranges for Iceland travel costs, I always want people to understand that these numbers are based on averages and trends, not guarantees. One thing I personally recommend is signing up for airline email lists, like Icelandair or Delta Air Lines, because they regularly send flight sales. I also use Google Flights to track pricing trends, and you'd honestly be surprised how much prices can fluctuate from one week to another. Accommodations in Iceland: The Biggest Budget Variable Accommodation is usually where people underestimate costs the most. For budget accommodations like hostels, guesthouses, smaller rooms, or shared bathroom situations, you're generally looking at around $400–700 total for five nights in winter and about $700–1,400+ in summer. For mid-range accommodations, such as private hotel rooms, apartments, or guesthouses with private bathrooms, winter pricing is usually somewhere around $700–1,400 for five nights, while summer can jump to $1,200–2,000+. And yes, summer pricing really can get that high. If you're considering a camper van, that can sometimes help reduce accommodation costs, though prices vary dramatically depending on the vehicle and the season. I always recommend booking accommodations as early as possible for summer travel. Honestly, if you can plan a year in advance, that's ideal. Six months minimum is usually what I suggest if possible. Rental Cars Cost & Iceland's New Road Tax If you're planning to leave Reykjavík, I strongly recommend considering a rental car because it gives you so much flexibility. Winter rental prices for a smaller car are often around $120–150 per day, while SUVs are closer to $170–180 per day. In summer, smaller cars can easily be $150–200+, and SUVs can go even higher depending on the size and capability of the vehicle. For a five-day trip, many travelers spend somewhere between $600–1,200+ once you include gas and insurance. And there's another thing travelers now need to budget for. Starting in 2026, Iceland implemented a kilometer-based road tax system that applies to vehicles, including rental cars. Iceland Kilometer Fee Information Most travelers won't calculate this themselves because rental companies typically include it either as a per-kilometer fee or as a flat daily charge. For example, Go Car Rental Iceland currently charges approximately €10.50 per day as a flat mandatory road tax fee. Fuel prices in Iceland have lowered somewhat since the road tax was introduced, but global events still impact fuel pricing significantly. How to Save on Renting a Car & Camper Van in Iceland Through my discount links with Go Car Rental Iceland and Go Campers, you can save 7% on your rental. Go Car also includes free 4G WiFi, while Go Campers includes a free sleeping bag. And honestly, the WiFi is incredibly useful because you can check weather, road conditions, maps, email, WhatsApp, and social media while driving around Iceland You can head to gorentals.is/allthingsiceland Once you enter your travel dates, the 7% discount is automatically applied. For Go Car:When you get to the extras section, select 4G WiFi. You'll see the price stays the same, even though it has been added.  For Go Campers:Choose a sleeping bag under the “extras” section, and same thing, the total price won't increase. And just so you know, using my link gives me a small commission at no extra cost to you. It's one of the ways you're supporting All Things Iceland and the content I create. So thank you for that. The Hidden Expense in Iceland that Most Travelers Forget: Parking Fees Many waterfalls, black sand beaches, scenic viewpoints, geothermal areas, and hiking spots now charge for parking. This is especially in popular areas like the Golden Circle, South Coast, Snæfellsnes Peninsula, and downtown Reykjavík. I've seen this change a lot over the years since I moved here in 2016. There were many places that used to have completely free parking, but because of the increase in tourism, road maintenance, parking lot maintenance, and of course landowners wanting to make money, parking fees have become much more common. I usually recommend budgeting around $80 USD total for parking during a 5-day trip depending on how much driving you're doing. You can also use the Parka app to look up parking fees in advance, which can help a lot with planning. If you're unsure where to go or how to organize your route efficiently, I highly recommend checking out My Iceland Map on Rexby. It includes 350+ personally recommended locations around Iceland that I've visited and enjoyed myself. Food Costs in Iceland Food absolutely adds up in Iceland if you eat every meal out. A casual restaurant meal is usually around $20–35 per person, while a nicer dinner can easily be $40–80+. Coffee and a pastry are often around $10–15, and cocktails in Reykjavík can easily cost over $20 each. For five days, I'd say a budget traveler who cooks some meals or makes sandwiches could probably spend around $150–300, while a mid-range traveler who eats out more regularly could spend around $300–700+. One of my favorite budget hacks is booking accommodations with breakfast included. Then you can eat a larger breakfast, make sandwiches or grab snacks for later, and only pay for dinner out. For groceries, Bónus is generally the cheapest option, while Krónan is another great alternative. And surprisingly, IKEA Iceland is one of the cheapest places to sit down and eat a full meal in Iceland. I’m not suggesting that you eat at IKEA every day but I just think it is fun to share that random information. What to Budget for Activities & Tours in Iceland This category really depends on what type of traveler you are. Some people are perfectly happy exploring waterfalls, scenic drives, geothermal areas, and hiking trails, which can keep costs relatively low. Others want glacier hikes, snorkeling, whale watching, ice caves, and snowmobiling. All of these activities can add up quickly. The Blue Lagoon and Sky Lagoon are generally around $100–150+, glacier hikes are around $100–200+, whale watching tours around $118–150+, and ice cave tours can range from $150–300+ depending on the experience. One of my favorite lower-cost alternatives to the major lagoons is going to a local swimming pool like Laugardalslaug. It has Olympic-sized pools, hot tubs, a cold plunge, slides, and it gives you a chance to experience Icelandic swimming pool culture alongside locals for a fraction of the cost of the lagoons. And if you love museums, there are actually certain times of year when you can visit many for free during events like Winter Lights Festival in February and Menningarnótt (Culture Night) in August. Use Discount Codes & Links to Save Money in Iceland One of the easiest ways to save money in Iceland is by not paying full price when you don't have to. My free Iceland Discount Code Bundle includes discounts for rental cars, camper vans, tours, activities, hotels, outerwear, and more. Most tour discounts are around 10% off, and when you apply those savings across multiple activities, it really does make a noticeable difference in your final trip budget. Always Leave Room for Unexpected Costs This is honestly one of my biggest Iceland budgeting tips overall: always leave room for flexibility. Weather changes quickly in Iceland, and road conditions can shift plans unexpectedly. That could mean rerouting, staying somewhere an extra night, changing accommodations, or adjusting activities because of storms or warnings. Whenever possible, I recommend keeping a few hundred dollars of flexibility in your budget if you can. It just makes the trip feel significantly less stressful. Realistic 5-Day Iceland Budget by Season For winter travel between November and March (excluding holidays), a budget traveler is usually looking at around $1,300–2,000, while a mid-range traveler is closer to $1,800–2,700. Winter tends to be cheaper because hotel demand is lower, rental cars are less expensive, and there are fewer crowds. The trade-off, of course, is less daylight and more unpredictable weather. For summer, budget travelers are usually spending around $1,800–3,000, while mid-range travelers are closer to $2,500–4,000+. Summer costs rise because of peak tourism demand, midnight sun season, easier travel conditions, Highlands access, and limited accommodations. The biggest reason I wanted to make this episode was honestly to help people manage expectations. Iceland can absolutely be expensive. But once you understand how seasonality works, where your biggest expenses are, and how to budget realistically, it becomes much easier to create a trip that works for your finances and travel style. And honestly, being informed ahead of time makes Iceland feel so much less overwhelming. The Random Fact of the Episode Did you know that Iceland has around 41 active volcanic systems — including volcanoes beneath the ocean? According to Náttúra Íslands (Natt.is), a volcano is considered “active” if it has erupted within the last 11,000–12,000 years, which is actually pretty recent in geological terms. The most active volcanic system in Iceland is called Grímsvötn, located in Southeast Iceland. It has erupted on average about once every decade over the last thousand years. Meanwhile, Iceland's largest volcanic system is Bárðarbunga, and many of the country's enormous lava fields were created from eruptions there. What's also fascinating is that volcanic systems in Iceland are often made up of: a central volcano, plus a fissure swarm, all connected to a shared underground magma chamber deep within the Earth's crust. Which honestly explains why Iceland can sometimes feel like you're standing on another planet. Icelandic Word of the Episode ferðakostnaður — travel expenses or cost of travel Pronunciation: FEHR-tha-kost-na-thur This felt like the perfect word for this episode because honestly… that's exactly what we've been talking about the entire time.  In Icelandic: ferð = trip/journey kostnaður = cost/expense So together: ferðakostnaður = the cost of traveling. Example: “Ferðakostnaður á Íslandi getur verið hár á sumrin.” “Travel costs in Iceland can be high during the summer.” And trust me… Icelanders definitely understand this too, especially when traveling around their own country during peak season. Share this with a Friend Facebook Pinterest Threads Email Let’s Be Social Youtube Instagram Tiktok Facebook Þakka þér kærlega fyrir að hlusta og sjáumst fljótlega.

Special discounts up for AIE Melbourne (LS discount) and AIE World's Fair (group discounts up to 25% - CFPs still open for Autoresearch and Vertical AI) Cya there!Abridge did not start as an “GPT wrapper”. It was founded in 2018, years before the Cambrian explosion of AI application layer companies. OpenAI launched ChatGPT publicly on November 30, 2022 and by then, Abridge had already spent years doing the unglamorous work of building trust for one of the highest context, most important workflows in healthcare: the conversation between a patient and a clinician.Abridge's original wedge was clinical documentation. Listen to the visit, generate the note, reduce the clerical burden, and let clinicians spend more time with patients instead of the EHR. By focusing on how doctors actually document, how health systems actually buy, how EHR integration actually works, how clinicians verify outputs, and how missing context during a visit turns into downstream friction across billing, prior authorization, quality, and follow-up, the adoption of LLMs became a force multiplier on a workflow already optimized for sensitive context gathering.The company has scaled fast: Abridge says it is projected to support 80M+ patient-clinician conversations this year across 250 large and complex U.S. health systems, with support for 28+ languages and 50+ specialties. It raised $300M at a $5.3B valuation in June 2025, after a $250M round earlier that year.Today, Janie Lee and Chaitanya “Chai” Asawa of Abridge join us for another crossover pod with Redpoint's Jacob Effron (who is on the board of Abridge) to dive into how Abridge is building the clinical intelligence layer for healthcare starting with ambient documentation, then expanding into clinical decision support, prior authorization, payer/provider/pharma workflows, and eventually real-time agents that act before, during, and after the patient conversation. We go inside the product, data, infra, evals, workflow, privacy, and org design choices behind bringing AI into one of the highest-stakes enterprise environments from 100M+ medical conversations and specialty-specific evals to real-time alerts, EHR integration, de-identification, clinician-scientist teams, and why healthcare may solve some of the hardest AI problems first.We discuss:* Why Abridge started with clinical documentation, “pajama time,” and saving clinicians 10–20 hours a week* The transition from ambient scribe to clinical intelligence layer: save time, save money, and save lives* Why conversations between patients and clinicians may be the most important workflow in healthcare (patient visit summary feature)* Chai's “healthcare-coded Glean” framing: context is king, but healthcare raises the stakes on safety, evals, and rollout* Why Abridge wants AI to feel like “air conditioning”: always in the background, but only interrupting when it truly matters* The prior authorization example: turning a denied MRI weeks later into real-time guidance while the patient is still in the room* Why payer policies, EHR data, medical literature, and hospital-specific guidelines make the problem hard, and also create the moat* How Abridge thinks about ambient form factors: mobile, desktop, in-room devices, nursing workflows, multimodality, and future AR* The multi-sided healthcare customer: CMIOs, CFOs, CIOs, clinicians, patients, payers, and pharma* The hardest AI problem at Abridge: high-quality, low-latency, low-cost real-time support in a high-stakes clinical setting* When Abridge uses frontier models vs proprietary models, and why its unique data from medical conversations matters* Why “every agent is a coding agent underneath,” and how the EHR can be thought of as a filesystem for healthcare agents* How Abridge approaches personalization across individual doctors, specialties, and health systems* Why “AI slop” is AI without context, and how edits, memories, and clinician preferences create a data flywheel* Abridge's eval stack: LFDs, LLM judges, in-house clinicians, third-party evaluators, specialty-specific evals, and progressive rollout* HIPAA, PHI, de-identification, one-way anonymization, customer contracts, and learning from healthcare data safely* What changes when you operate at 100M+ conversations: reliability, cost, post-training, model routing, and infrastructure optimization* Why the same clinical conversation can serve doctors, patients, payers, pharma, and future clinical-trial workflows* How Abridge works with EHRs, and why deep interoperability is table stakes for clinician adoption* Why healthcare AI has regulatory tailwinds, why 80/20 does not work here, and why high-stakes domains may drive AI forward* Why Abridge embeds “clinician scientists” into product and eval teams* What Chai learned from Glean about search, quality, and durable AI infrastructure* Why the future of AI infra may look like context layers, event-driven systems, Kafka, Temporal, sockets, CRDTs, and tools built for humans* Why Janie changed her mind on “PRDs are dead,” and why crisp written clarity matters more in complex AI products* How Abridge uses Claude Code, Cursor, and coding agents internallyAbridge:* Website: https://www.abridge.com/* X: https://x.com/AbridgeHQJanie Lee:* LinkedIn: https://www.linkedin.com/in/janiejleeChaitanya “Chai” Asawa:* LinkedIn: https://www.linkedin.com/in/casawaTimestamps00:00:00 Introduction and what Abridge does00:02:05 From ambient documentation to clinical intelligence00:04:04 Clinical decision support and context as king00:06:57 Alert fatigue, proactive intelligence, and prior authorization00:12:36 Ambient AI form factors and healthcare customers00:16:59 The hardest AI problems in healthcare00:18:26 Frontier models, proprietary data, and model strategy00:21:07 The EHR as a filesystem for agents00:24:03 Personalization, memory, and clinician preferences00:30:40 Evals, LLM judges, and progressive rollout00:36:47 HIPAA, de-identification, and privacy00:39:21 100M conversations and operating at scale00:44:10 EHR integration and the clinical intelligence layer00:46:39 Healthcare regulation, latency, and high-stakes AI00:50:11 Clinician scientists and long-tail quality00:53:04 Lessons from Glean and durable AI infrastructure00:57:03 The future of agentic healthcare workflows00:57:34 PRDs, product clarity, and building serious AI products01:03:11 AI coding tools at Abridge01:04:06 OutroTranscriptIntroduction: Abridge, Clinical Intelligence, and the Latent Space x Unsupervised Learning CrossoverSwyx [00:00:00]: Okay. This is a special crossover Latent Space Unsupervised Learning pod.Jacob [00:00:07]: Very excited to do this.Jacob [00:00:08]: At this point, we get together once a year.Swyx [00:00:10]: Once a yearJacob [00:00:11]: And this is a fun occasion to get to do it on.Swyx [00:00:13]: I really wanted to talk to Abridge but I felt very underqualified because healthcare is not something we cover very intensely. It just so happens that Redpoint's our big investors and supporters of Abridge.Jacob [00:00:27]: Anytime you want to have a portfolio company on your podcastJacob [00:00:29]: Please, by all means.Swyx [00:00:31]: So we'll introduce our guests. Chai and Janie, welcome to the pod.Janie [00:00:34]: Thanks for having us.Chai [00:00:35]: Thank you.Janie [00:00:35]: We're excited to be here.Chai [00:00:36]: Thank you.Swyx [00:00:36]: So for listeners, what do you guys do, just to situate you guys in the company?Janie [00:00:42]: Abridge is a clinical intelligence layer for health systems. We really started with documentation and building for clinicians and as we think about reducing the burden that clinicians have, they're spending 10 to 20 hours a week on documentation. There's a massive doctor shortage in the country. We also think that conversations between patients and clinicians are probably the most important workflow in healthcare. It's where care is given and received but if you think about the 20% of our GDP that goes towards healthcare, almost everything is a derivative of that conversation, whether it's the claim, the payment, the actual diagnosis given, the treatment. And we've started with a conversation to reduce the burden for doctors on documentation but we're really excited about the path ahead as we become this broader clinical intelligence layer.Chai [00:01:34]: I'm Chai. I work on clinical decision support at Abridge.Swyx [00:01:37]: Yes.Chai [00:01:37]: And so as Janie said, we're uniquely situated where we started off with the clinical note. What I'm really excited about and where we're expanding towards is what are all the things you can do before the conversation, during the conversation and after the conversation if you did have access to all the context about patients, payer guidelines, medical literature and put that together and to serve, how healthcare could look fundamentally different.Swyx [00:02:01]: And that's the context engine that you guys have?Chai [00:02:04]: Yes.Swyx [00:02:04]: Is that what it's called? Okay.Swyx [00:02:05]: So historically, as I understand it, the company started in 2018. A lot of people would be familiar with the AI voice notes form factor that doctors would be “Well, do you consent to being recorded?” It replaces handwriting and what have you. But it sounds like more recently there's been a big transition in the company. Tell me about the broader transition.From Documentation to Clinical Intelligence: Save Time, Save Money, Save LivesJanie [00:02:26]: So from a transition perspective, we really think about our journey as The first act was: how do we help save time? And that's where a lot of that original product was.Swyx [00:02:37]: By the way, one of those interesting statsSwyx [00:02:39]: On your landing page was, doctors spend time after hours.Janie [00:02:43]: They call it pajama time.Swyx [00:02:44]: Why is that pajama time?Janie [00:02:46]: Doctors after work in their pajamasSwyx [00:02:48]: In their pajamas. OhJanie [00:02:49]: At home are just writing and catching up on their notes every day.Janie [00:02:53]: Some of our favorite customer love stories, we have a Slack channel called Love Stories. We have clinicians telling us, “Abridge has helped us, from retiring early or we're now finally able toJanie [00:03:06]: go home and eat dinner with our kids for the first time.”Chai [00:03:08]: Save the marriage in some cases.Swyx [00:03:10]: One of the quotes was “We're not divorcing anymore.”Swyx [00:03:12]: I'm asking, “Why?”Swyx [00:03:14]: Because they're working too much.Janie [00:03:16]: But, in terms of where we're going and where we're expanding, we really think about our second and third acts around how do we help health systems save and make more money. Health systems are operating with record-low operating margins. It's getting harder and harder to serve patients and they have regulatory, some tailwinds but also a lot of headwinds coming their way and AI is ripe for helping on the saving and make-more-money piece. And then ultimately, how do we help save lives? The fact that our software and our product is open millions of times a week before, during and after a patient walks in the room, gives us massive opportunity with products like clinical decision support, which Chai is building but so many others to improve patient outcomes and probably one of the most important workflows and problems to be going after right now.From Glean to Healthcare: Context Is KingJacob [00:04:04]: One thing that's interesting, Chai, is you came over to Abridge from Glean and clinical decision support, which for our listeners is, in the context of a visit, helping a doctor figure out the right type of care. It's really a search problem in many ways, going through lots of different data sources. Very analogous to your previous role as one of the earliest engineers over at Glean. I'm sure a lot of our listeners are curious what's similar about the problems that you're going after now and what feels different, now that you're in healthcare.Chai [00:04:33]: Very similar. Taking a step back, with every wave, there's a lot of very similar patterns that happen across different products. A lot of social networking products look the same. A lot of credit-based products look the same. And we're seeing that very similar in the agent era with many companies, of course, in Redpoint's portfolio and so forth. And the key insight between both companies is that you have amazing models but context is king. Context is what puts them to work. So I see it in a lot of ways, a lot of similarities in this is a healthcare-coded version of Glean but the differences are really interesting. A couple things that come to mind. First and foremost, the rigor of the setting we're in. The downside risk is extremely high here in healthcare. It can be fatal in some cases. You prescribe something that the patient is allergic to for example. Whereas at Glean, it's “Oh, you got the question wrong.” It wasn't the end of the world in most cases. And so what does that mean? That shapes our evaluation strategy, both offline evaluation, progressive rollout and there's a lot more we could go into there. Second thing that comes to mind is, vertical versus horizontal. In both cases, there's a large variance but when Glean is, it's a much more horizontal company, there's a variance of personas, companies that you're working with. We also have a variance of personas, different types of specialties, different hospital systems. But the variance is a little more narrow. So from a product perspective, you're able to focus far more, especially when you have a maturing technology and you're building new products that never existed before. It lets you go after them much more easily and especially in healthcare where so many problems were solved with labor and process, that it's extremely ripe for AI to keep helping augment and enable. And the final thing that's really interesting, Abridge specifically compared to many other companies in the AI area, is the modality we started with where we're ambient and we're always listening in the background. And many more AI products will go that way but it's how we started. And that's the greatest form of AI we can create, AI that's seamless. You're not looking at your screen. It's always there. It's always helping you out and being proactive. The Jarvis vision that, every hackathon I went to over the past decade, there was always a Jarvis competitor. But Abridge very much started from the opportunity and continues to go that way.Ambient AI and Alert Fatigue: When Should the Product Interrupt?Jacob [00:06:57]: One thing that is super interesting then from a product perspective is you have this always-on seamless in the background and then you have to decide when you break the wall almost and say, “Hey, clinician, you might not have thought about X,” or whatever it is that you want to do. And in healthcare traditionally there's been this idea of alert fatigue and a million pop-ups and then a doctor just ignores all of them. It's probably a pattern that a lot of builders are thinking through now. How do you think about the right way to intervene or to pop up in a doctor visit?Janie [00:07:26]: It's such a good question. Alerts are notorious in healthcare specifically. Over 90% of alerts are ignored. The first and most important thing is context is everything, as Chai alluded to and I also think about how do we go from being reactive alerting to really proactive intelligence at the point at which it matters most. One thing we like to say is we want our product to feel like air conditioning. It should be in the background just making things better and if there is something that has great clinical risk and we're acutely aware that intervening now and not later is incredibly important, we should decide to act. But if you think about proactive versus reactive, instead of alerting a clinician during a visit when they're with their patient having a pretty serious and sensitive conversation, how do we prep a clinician before they walk into the room with that patient? And so historically, clinicians might have to manually go through charts with a patient that they've had over the course of months or years and they'll try to suss out what are the things they should be doing. You can imagine a world with Abridge. We'll summarize all of the most recent context for you, tell you based on the reason for a visit the patient is coming in for the types of things you should be discussing. And so you're going into that conversation prepped rather than walking in cold to that patient visit and then having this product interrupt you five or 10 times throughout the visit. And there might be times where it's really important to interrupt. We have a product called Prior Authorization and so this is when you may go into a doctor's office with knee pain. They'll prescribe you an MRI and so many of us have had this experience before, where in four weeks you'll get a call saying, “Hey, Sean, that MRI that you were prescribed wasn't approved and why don't you come back in? We'll figure it out.” In a world with Abridge, we might choose to quietly but still alert a doctor in that visit. And alert is probably not even the word we would want to use. Before a patient leaves, we would want to tell the doctor, “Hey, Doctor, before Sean leaves, you should ask him, has he had physical therapy and has his pain lasted for more than six weeks? Because the Aetna plan that he's on in California requires six things. We've already confirmed four of them have been met ‘cause we have all the context. But these two last criteria, if you can address with Sean before he leaves the room, we could guarantee that your MRI is approved before you leave.” And so when you think about clinical usefulness, impact to the patient, there are instances in which if we can catch a doctor while the patient is still in the room, as we think about save time, save money, save lives, we get to check all of those boxes. But when doctors have 15 minutes between visits, we have to be really thoughtful about when it matters.Prior Authorization: Reducing Latency in CareChai [00:10:23]: There's this interesting product opportunity AI has is reducing latency in the world. For example, prior authorization is an example of where care gets delayed and so great AI can reduce that. And the problem with alerts before partially is a technical problem: the quality of your alerts really matters. They're going to get ignored if you get alerts that... Similarly in engineering, where they're noisy alerts that you can't act on. But if you can make really high-quality alerts with both the context, as Janie said, and really high-quality models, then you can create a whole other game.Janie [00:10:53]: And I really like that experience because it starts to tease apart, what makes this so hard and unique. One, to make that prior authorization example possible, think about all the data that you need to have. You need to integrate with the electronic health record to know all of the patient context. Do we have access to your previous labs, previous imaging? And then to match you and to know that you're on Aetna, we have to collect all of the different payer policies and they vary by state. Some of these payer policies live on websites. Some of them live in unstructured 50-page PDF files.Jacob [00:11:31]: I thought this episode wasJacob [00:11:31]: To make sure we didn't scare people from healthcare.Janie [00:11:34]: But when you think about the things that make it hard, it also gives you the moat.Janie [00:11:39]: And then the second is the AI and the model quality we need to be able to hang our hat on. And so the bar, similarly when I worked at Opendoor, I worked on pricing models. Every outlier wiped out the margins of 30 and so similarly here in healthcare, the bar for accuracy is so high. And then I'd say the last is workflow is everything. If insurance companies deploy AI, it typically happens too late and this is when you have the notorious comical examples of AI just fighting each other when it's too late. But if we can pull forward the use of both the AI but also the ability to solve problems when the patient's in the room, you can start to collapse what typically takes weeks or months after your visit, ideally down to minutes or real-time. And it's where healthcare is both very difficult but also extremely rewarding if you can crack it.Product Form Factors: Mobile, Desktop, In-Room Devices, and ARSwyx [00:12:36]: Just to get some baseline on the form factors, because I've seen some videos on your website and stuff. You guys talk a lot about ambient AI. Is it primarily on the phone? Is there any other form factor that people get Abridge in? Is there an Abridge room setup where it's always on? I don't know.Jacob [00:12:55]: An Abridge podcast studio.Janie [00:12:58]: Primary form factor is mobile and desktop. UsuallyJanie [00:13:00]: Clinicians are walking in and out of rooms with mobile but at the end of the day, when they're closing out their notes or wanting to prep for the day ahead, they might use desktop. We have been having a lot of really interesting partnership conversations with a lot of these in-room device companies as you think about the power of multimodality and even more data, as you think about all of what is not captured today. It is fascinating to think about, especially even as we go into building and scaling our nursing product. It's one where nurses constantly, as they're walking in to check in on a patient for two minutes or maybe even 30 seconds,Janie [00:13:43]: Starting an Abridge experience is probably going to take longer than the visit. And so what can we do with in-room devices that are always on starts to raise really interesting and fun product questions.Swyx [00:13:54]: I was thinking, the way in tech companies we have all these Google MeetSwyx [00:13:58]: And other things, we might as well set up entire rooms with just Abridge tech.Chai [00:14:02]: Very much. AR glasses and related form factors are also relevant: how do we bring the information to the clinician in real-time without a screen, while still letting them focus on the patient?Swyx [00:14:18]: Do you think they want that? I'm skeptical of AR, but I'm curious what you've tried.Chai [00:14:26]: Admittedly, it's not a near-term product roadmapChai [00:14:29]: By any means. I'm being far-fetched.Jacob [00:14:31]: There's some sick AR stuff for surgeries.Swyx [00:14:33]: Really?Jacob [00:14:33]: When people are trying to visualize, you're about to make an incision but you want to see, what the cut might look or what the body might look like inside and they can layer in imaging.Swyx [00:14:43]: That's cool.Chai [00:14:45]: At some point in the future.Janie [00:14:46]: But there are a lot of our largest customers and at the largest health systems integrating already and so even as we think about building into it, unlocks a lot of product capabilities.Swyx [00:14:57]: And just to establish the terminology. Sorry, and I know I'm asking basic questions somewhat for myself but also for the audience who might beHealth Systems, Buyers, Clinicians, Patients, and PayersSwyx [00:15:05]: Less integrated. When you say health systems, it's like the Johns Hopkins, the Kaiser Permanentes.Janie [00:15:09]: Mayos, the Kaisers of the world.Swyx [00:15:10]: These are your customers, right? And the outcome that you deliver for them is happier doctors, reduced cost of processing, reduced mistakes. It's weird in a sense that I feel like there's also, a secondary customer, the customer of the customer and I don't know if you — do you think about it that way?Janie [00:15:28]: The other interesting and complex part of building product is we have our buyers, who are the chief medical information officersJanie [00:15:39]: The chief financial officers, the CIOs of these large health systems. Our users today are clinicians but if you think about who downstream is impacted, it's patients. And so as we build, with every product in mind, we think about who we're building for, who the secondary user is and what does that mean either in terms of experience, security compliance, ROI that we have to make tangible. And so like you said, time savings is one of them. But for CFOs, they care a lot more than just time savings. We have to show for every dollar you put into Abridge, because you have more compliant documentation or because you have fewer queries coming from your billing team, we save or add real dollars to your bottom line or top line, are things that we're constantly thinking about because of the dynamic across all three sets of users.Chai [00:16:32]: There's a whole other axis too with the payers and pharmaChai [00:16:35]: as well. Connecting all these three big stakeholders in healthcare isSwyx [00:16:39]: Do the payers ever see your data? Sorry, the payers meaning the insurers, right?Chai [00:16:44]: Yes.Swyx [00:16:44]: They also see Abridge data?Chai [00:16:47]: NoSwyx [00:16:47]: Like the direct integration to you guysChai [00:16:48]: They wouldn't see the raw Abridge data but when you're working together on something like prior authorization, whatever information they need, we'd communicate to them.Jacob [00:16:59]: That's cool. I would love to dig into the AI side. You still have a lot of problems on the AI side. And so maybe to start at the highest level, what's one of the hardest problems you have to solve in AI at Abridge today?The Hardest AI Problems: Quality, Latency, and CostChai [00:17:11]: To make things simple, let's take, building off the prior auth example. So one thing Janie talked about is okay, this data is all over the place and there's this combinatorial explosion of procedures, payer policies and even sometimes different health systems. There can be some cross-product of all of these different considerations you have to take into account. But what's really hard about this problem is doing it real-time in the conversation. So, in any AI product, usually the three KPIs you care about are quality, latency and cost. Now, what we're saying is we want you to do this real-time in the conversation, guiding the clinician. How do we do it in a way that does not break the bank? But we're using — But we also need very intelligent models because you're working with this cross-product of data and this, all this context layer as well. So you need high intelligence and high-quality because you don't want the alert fatigue but you also need to be fast and cost-effective. And so that's where a lot of clever engineering goes. It's okay, without getting into all the details here, can you model these policies in some intermediate representation or other things that you can do that can make this problem tractable? And of course, the Pareto frontier is always changing but we are also trying to do this now.Model Strategy: Third-Party Models, Proprietary Data, and Medical ConversationsJacob [00:18:26]: What implications has that had for what you take off-the-shelf and say, “ what? We don't need to be world-class at X. We'll just take this from the model providers or from some infrastructure player,” and what you're “No, this is where we spend most of our time focused on”?Chai [00:18:38]: This is, the fun challenge in AI?Jacob [00:18:42]: It changes every three months? SoChai [00:18:42]: Of course, with the shifting landscape, we try to be extremely thoughtful on predicting the trends of where third-party models are going and where we can uniquely go. And, sometimes when you talk about AI models, we're the models are just going to get infinitely better. But I don't think... It may be in the grandness of time you could say that but, within every month, every quarter, there's specific ways they're getting better. They're training on a lot more, coding data to be better coding agents, for example. And soChai [00:19:14]: We have to think about where are the things that won't — unique data that we're uniquely training on or to step back a little, where is a proprietary model bringing advantage to us is if it can give higher quality or lower cost and latency for similar quality, very similar to many other companies. And when we can do that is when we have proprietary data. So, for example, we have on the order of eighty million or hundreds of millions now getting close to of medical conversations.Jacob [00:19:44]: It's insane.Chai [00:19:45]: This is a unique data set. And this data set, it's very interesting because this data set is effectively a large part of the trace between the patient and the provider. That's where the quote-unquote debugging happens in healthcare. We have these traces at scale, as in as, our CEOs even called it, an exhaust that comes out of our product. And so when you have these traces, that's how you can train better agents on certain use cases, whether it's your transcription diarization use cases or so on or like note generation models and we can do that much cheaper and faster. But we're always also working with these third-party model providers. We closely collaborate with them and that's how we predict where the trends are going. The thing that I think about a lot is that, I know that the model providers are going to train much more on agentic workflows and so forth, so that's great, so that you have a better agentic harness. But the other thing that's interesting is that the model providers, because a large class of the consumer model providers is healthcare queries, that they might, optimize to train a lot of healthcare data to encode the knowledge in its weights. And this is just a great thing for us as well, where the off-the-shelf models can keep bett-getting better at general healthcare information, such that what our strategy is, we have a constellation of models, we can use something for this, that and, we only care about, at the end of the day, the best product experience.EHR as File System: Agentic Workflows and Real-Time InterfacesJacob [00:21:07]: And, you have, overall capabilities improving. I'm curious, as these models get better, is there something you look at and you're “, three months ago, we really couldn't do that but God, the the latest models really allow us to do it”?Chai [00:21:19]: So here's something interesting that I've, been toying with. So all models are... This wasn't super obvious a year ago but now it's become clear and clear that almost every agent is a coding agent underneath the hood? So you give it whatever file system, it can write its own code and so forth. So when you think about within healthcare and the use case that we have, you can think of the EHR effectively like a file system. It's just — it's a storage of all this information. It's a lot of information there that cannot fit into the context window, at least of today's models and you want to use that context effectively for all these product use cases we're talking about. And so if you have better agents that can, manipulate data, read that data, treat it as a file system as we see they're going and we know model companies are investing this way, then that very directly benefits us.Swyx [00:22:09]: Yeah. Okay, cool. Again, just establishing basic things. But we're going back to the model stuff. I'm really interested in double-clicking more on the real-time, element, which is pretty important for both of you. Is it — Is real-time just batches of every one minute, every five minutes? Is that how we do it? Or is there some more native, genuinely real-time in the sense that OpenAI has a real-time API or Gemini has a real-time API?Chai [00:22:35]: Yeah. Yeah. So today it is more on the on the batch basis but there's interestingChai [00:22:41]: Prototypes that we have that we're still not fully, full time, voice in text out or in that sense. But, can you trigger your models, your agents or agentic workflows, depending on the right times in the conversation?Chai [00:22:58]: And so you can imagine, different techniques to bring this latency down and, you want to bring the feedback loop down as much as you can. And so a lot of clever engineering there without fully... Maybe one day we'll do full voice in and text out, train a model to do something like that.Swyx [00:23:15]: You do — People don't want voice in voice out?Chai [00:23:18]: Now we aren't creating experiences that are, during the conversation, inter — It's almost likeSwyx [00:23:25]: Might be too disruptiveChai [00:23:26]: Too disruptive until, who knows, maybe eventually you could have full voice agents once we — the quality and we improve the comfort of the technology. But right now gra — that change is much more gradual and it's more text focus, text out.Janie [00:23:42]: And so much of currently what our product is trying to do is allow a clinician to focus on their patient and maybe at some point but right now patients, clinicians don't want a third voice, at least in a literal voice in that room. And so how do we be there with all the contacts and information ready at hand when there's the right moment?Personalization: Individual Doctors, Specialties, and Health SystemsJacob [00:24:03]: Jenny, one thing I'm curious about is how you think about, personalization in the product. I imagine, every doctor is a special snowflake in their own way, has their own way they like to do things. There are probably a bunch of different approaches you could take to doing that, both within the model layer itself but then also just with clever prompting or engineering. How do youJacob [00:24:20]: Deliver on that?Janie [00:24:21]: It's such a good question. Personalization is massive for us. We think about personalization at three levels. The first is at the individual, the second is at the specialty level and then the third is at the health system or the organization level. To your point, there are a lot of individual preferences. You-When a note is produced, it almost is a reflection that is so deeply personal of a doctor's work and how they give care. And so do they have preferences on things like style? They might want bullets versus paragraphs, really concise versus comprehensive. They also might have phrases that they really like to use or the templates that they want every note to be structured. And, we see it in our feedback all the time. We want two spaces in between sentences or I refuse to use this tool. And so that's something that we've had to build in. And the tricky part is how do you make sure that stylistic preferences don't interrupt accuracy and quality and that's something that we've really had to refine and hone over time. Second is at the specialty level. A cardiologist note or workflow is going to look very different from a dermatologist workflow.Jacob [00:25:32]: I assume cardiology notes are the highest stakes for you guys, given your CEO is a cardiologist.Jacob [00:25:36]: It's “Oh my God, make sure we get this one.”Janie [00:25:37]: Shiv, our CEO, is still a practicing cardiologist. He rounds once a month. And so, first call when we want just quick and easy user feedback too.Janie [00:25:46]: But, specialties require a lot of personalization, both in terms of what does the product look and so we make sure that as new users onboard, we catch that and the product proportionally reflects that. But also on the back end, evals at the specialty level, they are hard-earned to calibrate and get. What does a really great dermatology note look like? What makes it complete? What makes it compliant and billable is very different than a primary care doctor. And so it's not just about what does the product experience look but on the back end tuning and really deepening our understanding for the specialists. What does great output look like? And that's, a problem that we need to calibrate internally, externally, online, offline but, takes lots of cycles but is necessary in a high-stakes environment. And then at the health system level, for products like clinical decision support, you have health systems who've spent years or decades refining their best practices and they want to know, “Hey, we love your clinical decision support product but how do we embed our own hospital guidelines into them to inform clinicians before, during or after a visit what brest — best practices should look like?” And as you think about, deepening moats as well, when health systems, trust us with that data, allow us to productize it and directly into the clinical workflow, makes us a really great partner to health systems who want to build something that truly meets their needs, their practicing guidelines.AI Slop, Memory, and Product Data FlywheelsChai [00:27:23]: And I want to add onto that. The for the clinical documentation problem, it's very similar to AI writing that doesn't feel like your own and then we call that slop. But the way I describe one framing of slop is like AI without context. But we have all that context and both the clinicians, can have it and can guide it. And so part of the other interesting exhaust for us is, memory is, one of these new systems recordsChai [00:27:49]: Almost.Janie [00:27:50]: And we also have all the edits people make on our product and when you think about a data flywheel and how we get better over time becomes really powerful as a mechanism to just going deeper in personalization.Jacob [00:28:04]: It's interesting. I love this idea of working with systems on the guidelines they built up over a long time. I feel like so many of the best AI app companies today are... The question is: How do you take the expertise that a law firm or a bank has built up over many years and then add that as context and also a special sauce over, a an AI tool? And so seems like y'all are really doing that very effectively.Janie [00:28:24]: We're now starting to have our customers ask, “What are other customers doing?”Janie [00:28:28]: “And how are they doing it?”Janie [00:28:30]: And as we think about having visibility across such a large set of care being delivered right now, a really interesting place we could also partner.Swyx [00:28:40]: I'm just curious. I — This may be a nothing question but, how different are health system guidelines from each other? Don't they all converge to the same thing? And if not, where do they differ?Chai [00:28:52]: At a really high level, they're going to talk about very similar things but the difference is probably in some more of the details. “Oh, you should refer to specialists only when XYZ conditions are met,” or so forth and maybe different organizations have different practices and guidelines around that. But high level, talking about similar things but the details are what, of course, that shapes the context and the decisions you make.Swyx [00:29:15]: And this all goes into the context engine and it might affect the notes but maybe not.Chai [00:29:21]: The — For these local pathways, we're definitely thinking about it a little more for our clinical decision support product.Chai [00:29:26]: So yeah.Swyx [00:29:27]: Which is your stuff, yeah.Swyx [00:29:28]: And then the memory which you raised, let's just tell us more about that. What have you tried in memory? What's the structure of the memory? What works? What doesn't work?Chai [00:29:38]: There's, of course, many different ways you could do memory, where it's okay, can you bake it into the model weights or can you do it in some external store? For us, what's interesting is, of course, when you think the models are rapidly changing, whether it's in-house or third-party, baking into the model weights, sometimes you worry that it could be a little throwaway. And so, how do you... You need to find a way that you decompose the problem, the preferences from the underlying models and so forth. The thing we're right now most both that's easiest to start with and we're excited about is having, a separate store for memory, where you have, for example, a memory sub-agent that's, working in the background, figuring out what are the important parts of the clinician's actions that we want to remember for the long term. And then you can also imagine, other things where in the — you have background jobs that are running that are collating these, memories similar to Sleep, of course and what other pattern, patterns products do as well. Learning over all these action, all the action data we have, again, note edits, the conversations they did and the actual transcripts.Evals: LFD, LLM Judges, and Clinical SafetyJacob [00:30:40]: What about evals? How in the world do you... It is such a complex product surface area. We would love to hear you riff on that and also how has that evolved? I'm sure you've gotten better at it, so any learnings along the way.Janie [00:30:50]: From an evals perspective, we, from day one when we build any new product or feature, we think about, what does good look like? And there are table stakes things like clinical safety but then you start to get deeper into what does good quality look like. And when you go into something like our core product, there's stuff like style and completeness and there's things like does this note become something that can be billable, which is very high stakes for a health system. We have a number of ways in which we get confidence for this. We have, internal in-house clinicians who do what we call an LFD process to give us our very first pass at is this or isn't this a good enough output, look at the effing data.Jacob [00:31:41]: LFD?Chai [00:31:42]: That's why I was smiling. I was “Is Janie going to mention what it stands for?”Jacob [00:31:46]: I was not... There's like a million acronyms.Jacob [00:31:48]: How am I supposed to know that I don't? So “Oh yeah, of course, an LFD.”Swyx [00:31:51]: I've never heard of LFDs.Chai [00:31:53]: It's a bridge for sure.Janie [00:31:55]: I got through three days and then I had to ask someone.Janie [00:31:58]: I thought it was just me that didn't knowJanie [00:32:01]: It's our internal process.Swyx [00:32:02]: But look at the data as a meme in ML, ‘cause you tend to not look at it. You just want to look at number go up.Chai [00:32:06]: Exactly.Swyx [00:32:07]: But yes.Janie [00:32:08]: But so, we make sure we look at the data and then as we think about all of the components of good output, we, one, create LLM judges across all of these and we make sure with annotated data and either internal or external evaluators, we feel like these judges are calibrated. And then depending on the stakes, we also work with in-house and third-party evaluators across all of these before we ship any big change. And the goal is, in terms of evolution, how do you go from this process taking months, down to weeks, down to days? Some of it is, a true science and ML problem. A lot of it's also just, hard operational work. Have you planned ahead in terms of what you need? Have you really optimized the capacity that you need across all of the different specialties you need? Have you gotten a really good sense of which third parties are great to work with for what use cases? This takes a lot of domain, expertise and, lots of mistakes and errors in figuring that out. And so as much of it is an ML problem, so much of it has also been operational gains that are hugely important, where domain-specific expertise is everything.Specialty-Level Evaluation and Progressive RolloutsJacob [00:33:23]: But it's funny, ‘cause I feel like people talk about healthcare like it's one giant market and the reality isJacob [00:33:26]: It's, dozens and dozens of sub-markets. And so it feels like in your evals you have to build that up across the board, probably.Swyx [00:33:34]: And is specialization the primary cardinality at... That's the word that comes to mind.Janie [00:33:40]: Sometimes, depending on the product or the use case. And so if we're making a note improvement or feature for a particular specialty, definitely but we have products that are for nurses. We have products that, are really aimed at making the document or the output a lot more billable. And so we'll want to work with coding teams and not necessary clinicians. And so likeJacob [00:34:05]: Coding meaning healthcare coding.Janie [00:34:06]: Yes. Yes.Jacob [00:34:07]: NotChai [00:34:07]: Yes. I see you.Swyx [00:34:07]: Other kinds.Janie [00:34:09]: But is this output proportional to the work that was delivered? Is there sufficient documentation to justify the amount that a health system may end up charging? And so, specialty sometimes but also domain, very different across all of the different products that we're working for. And building out that network is, not easy and is where a lot of our operational investments have gone into.Chai [00:34:35]: And I view a lot of analogies to self-driving cars here, where, part of it is we really want progressive rollout of features to test in the real world is this useful? Is this going to work? One big difference compared to past lives is before I'd build a product, maybe I'd alpha it and then I'd like GA it the next week, ‘cause I'm “Go, move fast, ship,” and whatnot. But the mentality is like you... I want to make contact with the reality as quick as possible but I want a progressive rollout. Because as much as I get as large of an offline eval set, I want the distribution of that to match real-life distribution. And over time, by rolling out early, similar to Waymo has a tagline, “The world's most experienced driver,” another thing that can, at least linearly increase for us is, both the size of our evaluation offline and online, that and it all feeds back.Janie [00:35:25]: Something that's been earned over time, speaking of evolution, is just the trust we've gotten with customers. Historically, a lot of these health systems, when they bring on new vendors, their release cycles are quarters, sometimes twice a year. We've gotten our customers onto monthly release cycles, which is pretty fast for health systems but what is more exciting over the last, call it, few quarters, has been, a subset of our customers have said, “We want to innovate with you. We trust you,” and we have a pretty, decent chunk of our customers who say, “We'll develop with you outside of these monthly release cycles. We have a higher tolerance. We know that the stakes are very high but we want to be the first ones using these products, giving you feedback.” And so for a pretty substantial set of our customers, we've been able to convince them to be able to ship, in this gradual way before GA. Something we talk about a lot internally is, trust is earned in drops, earned in buckets and so we still can't do what I used to do when I worked at Loom. We had 30 million users. I'd just be, rolling out experiments left and. The bar is still quite high for iterative rollout but because of the trust we've earned, we're able to learn at pretty high volume very quickly.Privacy, HIPAA, and De-IdentificationSwyx [00:36:45]: Your scale is still pretty huge.Swyx [00:36:47]: One thing I want to... We were going to go into scale? In a sec. One thing I wanted to call up, follow up on evals, which, again, just coming from a generalist engineer point of view, just thinking through what would people be scared of in doing this, the privacy and HIPAAJacob [00:37:00]: Elements of this. I have zero experience in that. What do you have to do? What is surprisingly not that bad?Chai [00:37:06]: So one thing that's really important here from a compliance perspective is very much that any of the data we use needs to be de-identified, any real-world data we use as a basis of online eval sets we're learning from. And so you have to — And there's, very clear, government guidelines, what counts as PHI. And so we've even have built models that can take, for example, a clinical transcript and remove all the key PHI indicators and so you have a scrubbed/de-identified version. And then once you... And so one thing that's important is first you've got to get confidence in that model in the first place? And prove that out. Because, now you have, multiple probabilistic systems on top of each other.Chai [00:37:46]: But once you have that, then you can train on it use it for evaluation and so forth, provided one of the cool things also that you can do from a business side is the right data contracting as well with your partners.Jacob [00:37:57]: Is the anonymization one way? Once it's done, you cannot undo it? Or is there someoneChai [00:38:01]: YesJacob [00:38:02]: Who holds the master key that can... Yeah, okay. So it's one way.Chai [00:38:05]: It's one way. Yeah.Jacob [00:38:06]: That's how it works. I just wanted to... Because, there's a lot of this, learning from feedback and everything that, you would want to debug more but you can't because you just physically don't allow yourself to.Janie [00:38:17]: Some of it's also written in our customer contracts in terms of who can or can't access PHI data, how long do we retain it,Jacob [00:38:27]: Very goodJanie [00:38:27]: Before it gets de-identified. And so we have a pretty high bar for who can access that PHI data, just to make sure that we always respect our customer data and privacy. But that's something that we partner with our customers on too, to make sure that as we want full, as close to precision as possible in that qualityJanie [00:38:48]: We can still use it.Jacob [00:38:50]: But it'll be fascinating to see how that space evolves? Because you think about, I used to work at a company that, did a lot of healthcare data in the cancer space and if you asked, the average cancer patient, “Hey, do you want people, do you want other patients to be able to learn-”Chai [00:39:03]: Take it.Jacob [00:39:03]: “... Learn from your experience?”Chai [00:39:04]: Take it all.Jacob [00:39:05]: They're “Please.”Jacob [00:39:06]: “I'd love, nothing more than for other people to be able to learn fromJacob [00:39:10]: The experience that I had.” And so in the past it was a lot harder to do that learning. But with this technology, that might really be practical and so it'll be fascinating to see how that continues to evolve.Chai [00:39:21]: There's so much in our data set of 100 million conversations.Chai [00:39:26]: You can imagine things like insights that you can give to the clinician. How could you, oh, how could you have reacted to this? In coaching or insights around, which treatments are effective or, like... Because you have this, again, this data source that was never captured before but that's, where, intuition or experience is created from, going back to this idea that the conversation is the agent of truth.Operating at Scale: Reliability, Cost, and Token EfficiencyJacob [00:39:46]: Back to the 100 million conversations, I feel like you have this insane scale that maybe only a few other AI app companies have and everyone else dreams of. So not everyone has had to confront this yet but maybe just talk about some of the challenges of operating at that scale and what, our listeners have to look forward to if they ever get to this level of scale.Chai [00:40:05]: At large and larger in scale, so of course there's a general, infrastructure reliability. When you... In any given startup, you're building the plane while it's flying. So there's some notion of that. But what gets interesting on the AI and ML side for sure is this, as you get at more and more scale, so one, you have the data to first and foremost do this. But, you start thinking about costs or infrastructure in a whole different way at scale versus, a prototype.Chai [00:40:34]: You can use the most expensive model, you can burn as many tokens as you want but when you're doing 100 million conversationsJacob [00:40:41]: Token max on leaderboards are less upsetting than that context.Chai [00:40:45]: . When you're doing that and so that comes for we have the data and we also have the team that's able to post-train based on this and you can optimize for efficiency, especially in areas where you believe that maybe a lot of the quality headroom is less so and you don't expect the other off-the-shelf models to go that way, such that you want to do, efficiency maximization, in terms of compute and tokens.Jacob [00:41:08]: I feel like you guys live in the future in some way where most use cases today are really just in use case discovery mode, where it's “God, I really hope I can find something that can get to scale,” and so you're always going to use the most powerful model. And then the few things that do get to this level of scale, you start to do those optimizations.Chai [00:41:22]: It's a natural trajectory where it's like zero-to-one, we're not talking about any of these optimizations.Chai [00:41:26]: But when maybe we're in the one-to-100 or so forth, then we're in optimization mode and, what works out really well is you've got all this data from zero-to-one that lets you do this.What Comes Next: The Conversation as the Shared Healthcare PlatformJacob [00:41:36]: That's fascinating. I feel like one thing that's so interesting about the Abridge footprint is that you're in the doctor-patient visit in real-time. I always like to say, there's like probably 50 years' worth of product you could build on top of that. What gets each of you, I don't know, what are you most excited about building, either in the short term or medium term or even, long down the line?Janie [00:41:53]: Something that I get really excited about is that the same conversation can serve so many stakeholders. If you think about the conversation, a doctor needs to know what is the documentation, how do I make sure that this fully represent the care I gave? A patient needs to know, “What the heck just happened? This was really overwhelming. What are my next steps?” A payer needs to know, was this the proper and appropriate care given? A pharma company might want to know why isn't this drug being properly used or is there a good candidate for this clinical trial that I'm about to run? And where I get excited is that our product and our platform and our infrastructure can be the same product across all of those things and start to what's today, separate, very expensive, complex systems that serve each one of these stakeholders in very different ways, start to collapse all of that into a singular platform that enables not just more efficiency across the board but also better outcomes for everyone. And, all of us experience healthcare in probably very painful ways and knowing that there is a world in which we can simplify a lot is really exciting to me and it all starts with the conversation.Chai [00:43:15]: It's interesting. Of it very similar to going back to the KPIs that any AI product cares about. How do you increase quality of care? How do you reduce latency to care? And how do you reduce costs? Which is a huge, in healthcareJacob [00:43:28]: They call it the triple aim in healthcare.Chai [00:43:30]: But very similar to building AI products and the thing that really excites me is when we talk about that latency piece, we talked about one example earlier of prior authorization, can you reduce the latency to care? But you can imagine so much more. Oh, as soon as the lab value gets updated, do you have like a background agent that, kicks off and uses all the context to be “Oh, hey, the patient should do this next,” for example. And of flagging that to the clinician who's always in the loop but reducing that latency, to care. And then you can imagine this is much further down the road but it's like even connecting that to the direct patient and the consumer. And so how can you, how can you build a bridge to all of these things?EHR Partnerships and the Clinical Intelligence LayerJacob [00:44:10]: Very cool. The connections piece is just an ever-growing thing. And one of the key partners is the EHR and I wonder what that relationship is like. Will they, look at this as, something that is valuable enough that they want to own someday?Janie [00:44:29]: Our partnerships with the EHR is, we know that we have to be extremely close partners with all the EHRs who we partner with. Being able to not only pull and push all of the data into the right places is, not only table stakes, if we can't do that, health systems don't want to use us. The second and the reality of today is clinicians spend a lot of their days in the EHR. So much of what allowed us to win in the largest health systems was pretty direct and, very close partnerships with some of the largest electronic health records that allowed us to pull and push data with APIs that weren't ready out of the box. And clinicians want to save clicks. Anytime we introduce a new product that, adds two clicks for them in their day, they're “We're not going to use it.”Janie [00:45:21]: They have 15-minute back-to-back appointments with their patients. They're spending, hours during pajama time doing documentation. Every second and every minute counts and so we really think about being deeply integrated into the EHR as also table stakes to getting real usage and adoption. And anything that we build or introduce, we really talk about earn the right internally a lot, which is we have to provide so much value or save so much time that people will use us. But those are the two things that are close to us, is we know that the product won't be used unless it is deeply interoperable.Chai [00:46:01]: And strategically, to your point, it's like what does EHR want to own versus us? EHRs are really focused on the clinical workflows and so forth but some of the things that we're talking about here, I do these traditionally are outside of the domain where it's oh, connecting pairs and providers together with provider policies or the clinical trial matching, as Janie brought up. And so these are, entirely — we position ourselves as building this entirely new intelligence, clinical intelligence layer across, again, providers, pharma and, payers.Chai [00:46:33]: And so that's a it's a whole different ballgame that we try to playChai [00:46:36]: In combination with them.Jacob [00:46:37]: But it's like a different layer of scope.Healthcare AI Regulation, Technical Depth, and What Changed Their MindsJacob [00:46:39]: I'm curious, you are both relatively newcomers to healthcare. People have these, there's lots of futuristic healthcare AI takes of “Oh, everything will look different.”, now that you've been in healthcare for a bit, you live at the edge of AI, what have you, changed your mind on around this, as you think about what healthcare looks like in ten, 20 years? Any updates to your mental model from the time being close to the problems?Chai [00:47:02]: One thing that IChai [00:47:04]: Was hesitant about before and it's a common thing when I'm trying to recruit engineers that people ask me around, is definitely oh, healthcare, heavily regulated space. And it is, rightfully so. You want to keep, the patients at the end of the day safe. But one of the interesting things that, is a that surprised me how much it is coming to the company is there's a lot of really favorable regulatory tailwinds as well. Where you think about, government really wants interoperability between all these systems that we talked about and so agents can access this information. The government just in January, the FDA released updated guidance on clinical decision support, what I work on in such a way that they used to have guidance from like 2022 that required you to have, mention all these options and do all these other things but it's a very forward and forward-looking way. And so for me, what's been really cool to work on is this, there's this very special moment both in AI in general, we all know that but there's a special moment also regulatory in healthcare as well.Janie [00:48:05]: One thing I would call out is for the very reasons things are higher stakes or, potentially considered more difficult in healthcare, it's where some of the hardest AI problems will get solved first, just because the bar is so high. When I first joined, I was “Oh, this is where we'll be on the tail end of where, all of the AI innovation will be able to be applied.” But when you think about, zero error evals or multi-step workflows that have really low tolerance, a lot of the innovation will happen here just because we have to or else we can't ship.Jacob [00:48:42]: ‘Cause like in other domains, you'd much rather just solve the 80%-is-good-enough problems firstJanie [00:48:46]: 80/20 doesn't work hereChai [00:48:48]: And building off that, traditionally, there was a bit of stigma that, oh, healthcare companies are not that interesting from a technical perspective or I've seen that or faced that myself. But these are really hard and fun problems from a pure technical perspective beyond just the impact. How do you bring the latency of this thing down and make it really high-quality?Reducing Latency: Clinical Workflows, Agents, and Implementation RealityJacob [00:49:07]: How do you bring the latency of things down?Chai [00:49:10]: Yeah. Yeah. Yeah. So okay, let's answer the latency question. And maybe hopefully not too redundant with some of the things I've said earlier but some part of it is with any latency, you have to like what is, what is really your bottleneck. In a lot of workflows, it's sometimes it's the model itself. And so that's where like our data flywheel, our post-training team and so forth come in so that can you make the models far more efficient. So that's one aspect of latency. But there's whole other aspects of latency where it's okay, on top of that, if you use a constellation of different models, can you use — can you first use like a — it's like thinking fast and slow. Can you use a cheap, fast model that triages and hands it off to a larger model where you get more intelligence and so forth and so all theseChai [00:49:56]: Clever tricks to make it work.Chai [00:49:58]: And by the way, we are totally — we also realize that the parameter frontier is changing and so these tricks will — may not get us to where we want to be in five years but we need to if we want to build a useful product right now.Jacob [00:50:11]: Should we go to the quick-fire or you want to ask more about Abridge? We can stuff everything that's not Abridge into the quick-fireSwyx [00:50:16]: I don't mind. I was — I feel like Janie was on the topic of more long tail stuff, which isSwyx [00:50:21]: Not the eighty/twenty thing and that really matters. And I'll —, if you have any tips or cool stories or just general approaches that have worked for you that's interesting to dig into.Janie [00:50:32]: One of them is even just how we staff our teams looks different than a traditional software engineering team, I'd say.Swyx [00:50:40]: Let's go.Clinician Scientists, Edge Cases, and Evals at ScaleJanie [00:50:41]: We have a bunch of folks with different roles who are clinicians and so we have this role called the clinician scientist and I heard one of our leaders refer to them as mutants recently. But they are people who've had clinical backgrounds, so MDs typically, who are also deeply technical, somewhere, on the spectrum of like a full stack engineer all the way to like extremely scrappy prompter. But having each of these people embedded within our teams instantly raises the bar for everything that we build because not only are they determining, is this product clinically useful but they're deeply embedded in our whole evals process. And so when we talk about LFDs, when we talk about what is our actual evaluation criteria, you don't want Chai or me creating what those are because we don't have clinical background. But is probably unique to Abridge but has been game changing. And when you think about where the puck is going, you have people build with clinical backgrounds who are technical and where AI tools are going, they just becomeJanie [00:51:53]: More and more, critical and like the killers of the team. And so that's one. And then the second is just the scale at which we do evals to catch that long tail up front before anything ever gets into production is something that we've pretty much like really started to fine-tune, both from a scale but when do we know we need to get several hundred versus several thousand offline responses, what helps us make that quick decision and make this less of an art and as much of a science as possible. But that's also been something we've had to tune over time.Swyx [00:52:27]: And you have partners who opted in to give you those evals.Janie [00:52:31]: So we work either internally or with third-party for offline evals and then we have customers who also agree to give us, whether it's like thumbs up, thumbs down to like choose this or that, a lot of data to get us to what is as close to fully confident as possible.Swyx [00:52:51]: The term that comes to mind isSwyx [00:52:53]: Like active learning on things where you're weak. I feel like it's a lost artSwyx [00:52:58]: Is a lot of the polish that comes into doing something like this.Janie [00:53:02]: Really.Chai [00:53:03]: Hundred percent.Lessons from Glean: Technical Foundations and AI App InfrastructureJacob [00:53:04]: Maybe, on a totally unrelated note, Chai, you had a very, storied run at Glean b

With the price of gas right now... you're probably racking your brain... trying to think of ways to make summer fun without taking out a second mortgage on your house. Well, you're in luck! Kyle Poll, CEO of Get Out Utah, joins the show to talk about an exciting program that'll help you create amazing summer memories without breaking the bank.

How to Save Money on Summer Travel Summer vacations don't have to break the bank. In this episode, I'm sharing some of the best ways to travel smarter, save money, and still enjoy an unforgettable getaway. Whether you're planning a beach vacation, family trip, cruise, or international adventure, these tips can help you cut unnecessary costs while maximizing your travel experience.

Today we're talking about something that hits almost all of us the moment the temperatures rise: summer spending. Between cooling the house, planning outings, and trying to squeeze in a little fun, costs can creep up fast. But the good news is that saving money this summer doesn't have to feel like a punishment — it can actually feel empowering, even enjoyable.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Let's start with the big one: keeping your home cool without melting your budget. One of the most effective ways to cut summer energy costs is simply making sure your home isn't leaking cool air. Proper insulation and sealing gaps around windows and doors can help keep the cold air in and the hot air out, reducing the workload on your AC and lowering your energy bills.   And speaking of AC, maintaining it is one of the easiest ways to save money. Cleaning or replacing filters regularly helps your system run more efficiently and prevents it from working harder than it needs to. That means less energy used and fewer surprise repair bills.   But you don't have to rely on AC alone. Fans  can make a room feel cooler by circulating air and opening windows during cooler parts of the day and closing them when the heat kicks in can also help regulate indoor temperatures naturally.   Now let's talk about summer activities, because this is where budgets often go off the rails. You don't need a pricey vacation to enjoy the season. In fact, exploring local destinations or planning a staycation can save you a significant amount of money while still giving you that sense of escape. Many communities host free or low‑cost events that offer plenty of entertainment without the hefty price tag, such as concerts, festivals, and outdoor movies.   If you are traveling, timing matters. Traveling during off‑peak periods can lead to lower prices on flights, hotels, and attractions. And don't underestimate the value of rediscovering your own area — sometimes the best adventures are right in your backyard.   Another area where summer spending spikes is food. Between barbecues, picnics, and the temptation to eat out more often, food costs can add up quickly. Cooking at home can save you money and make meals feel more special. Seasonal fruits and vegetables are often cheaper, fresher, and tastier, making them perfect for simple summer dishes. If you want to take it a step further, consider starting a small garden. Even a few herbs or vegetables can cut grocery costs and give you a fun summer hobby.   Let's shift to transportation, because gas prices often rise in the summer and they are already high enough. Running errands on the same day instead of spreading them out can help you use less fuel. Keeping your tires properly inflated improves gas mileage, and filling up early in the week when prices tend to be lower can save you a few dollars each time. Using rewards programs or cashback apps can also help offset fuel costs.   Finally, let's talk about budgeting, because even the best tips won't help if you don't have a plan. Creating a summer‑specific budget allows you to anticipate higher expenses like utilities, travel, or events and set realistic limits for them. A clear budget helps you prioritize what matters most and avoid the stress of overspending.   Summer is meant to be enjoyed, and saving money shouldn't take away from that. With a few intentional choices,  you can have a summer that's both fun and financially smart. Here's to a season full of sunshine, good memories, and a little extra money left in your pocket!  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.

In today's episode, Sarah provides a few life updates and then shares a wonderful planning tip from a listener.Then, topics discussed include:- Does planning help to save money?- How do you avoid rewriting daily lists when things don't get done?- What are some analog ways to track workouts?- Ideas for using monthly spreads of paper planners if you don't feel the need for an extra calendar- New pen in town: The Pilot Juice+Link to task management ep mentioned:https://theshubox.com/2026/02/blp-ep-288-your-guide-to-airtight-task-management.html Sponsors: IXL: Best Laid Plans listeners can get an exclusive 20% off IXL membership when they sign up today at ⁠https://www.ixl.com/plans⁠. PrepDish: Make your menu planning so much easier! Try it free for 2 weeks by visiting ⁠prepdish.com/plans⁠ Green Chef: Healthy and convenient meal kits and more! Visit ⁠greenchef.com/50bestlaid⁠ and use code 50bestlaid to get 50% off your first month, then 20% off for 2 months. Learn more about your ad choices. Visit megaphone.fm/adchoices

Lots of Americans move abroad to a lower-cost-of-living country in hopes of making their salary stretch further. And if they manage to continue earning an American salary from abroad (even a modest one), they can go on to lead prosperous and comfortable lives far beyond what would be possible in the States.  But what happens when they decide it's time to move home? A recent article in the New York Times, They Went Abroad to Save Money. Moving Back Seems Unaffordable looks at this conundrum, and we continue the discussion by musing on the article and its subjects, as well as scrutinizing Tiffany's lifestyle as a long-time expat. (Could SHE afford to move back to the States?) And is this all just an issue of people blind to their privilege who don't want to give up their cushier lifestyle? Be sure to weigh in with your thoughts, especially if you are an expat who has moved back home (a repat, like Katy). ------------------------------------- COME TO ROME WITH US: Our 4th annual Bittersweet Life Roman Adventure is taking place this year from 1 to 7 November 2026! If you'd like to be part of an intimate group of listeners on a magical and unforgettable journey to Rome, discovering the city with us as your guides, find out more here. AD-FREE LISTENING: After well over 10 years on the air with little-to-no advertising, in 2026 we have finally made the difficult decision that this completely independent and self-funded show is no longer sustainable without it. HOWEVER! If you join us on Patreon, for as little as $3 per month, you will have access to all new episodes completely ad-free! ADVERTISE WITH US: Reach expats, future expats, and travelers all over the world. Send us an email to get the conversation started. GET TWO BONUS EPISODES PER MONTH: Pledge your monthly support of The Bittersweet Life at the $5 per month level or above, and you will have access to two all-new (and sometimes wacky) bonus episodes every single month. As well as ad-free listening, occasional live meet-ups, and access to our chat community. Visit our Patreon site to find out more. TIP YOUR PODCASTER: Say thanks with a one-time donation to the podcast hosts you know and love. Click here to send financial support via PayPal. (You can also find a Donate button on the desktop version of our website.) The show needs your support to continue. START PODCASTING: If you are planning to start your own podcast, consider Libsyn for your hosting service! Use this affliliate link to get two months free, or use our promo code SWEET when you sign up. SUBSCRIBE: Subscribe to the podcast to make sure you never miss an episode. Click here to find us on a variety of podcast apps. WRITE A REVIEW: Leave us a rating and a written review on iTunes so more listeners can find us. JOIN THE CONVERSATION: If you have a question or a topic you want us to address, send us an email here. You can also connect to us through Twitter, Facebook, and Instagram. Tag #thebittersweetlife with your expat story for a chance to be featured! NEW TO THE SHOW? Don't be afraid to start with Episode 1: OUTSET BOOK: Want to read Tiffany's book, Midnight in the Piazza? Learn more here or order on Amazon. TOUR ROME: If you're traveling to Rome, don't miss the chance to tour the city with Tiffany as your guide!

Bantry CU CEO Finnbarr O'Shea tells PJ how a Greenify can slash your energy bills Hosted on Acast. See acast.com/privacy for more information.

Buy 3D printed aquarium accessories from my Etsy store: https://reefdork.etsy.com/The below links have an affiliate code - so if you make a purchase, I get a small commission at no extra cost to you. Thank you! The best algae scraper in the world - https://collabs.shop/igd303The best RO/DI filter for most people - https://amzn.to/46RXGRqBest test kits for every parameter:Salinity - https://collabs.shop/yfjhseAlkalinity - https://collabs.shop/klkujmCalcium - https://collabs.shop/tlnutyMagnesium - https://collabs.shop/xd6w81Phosphate - https://collabs.shop/nhl1hrNitrate - https://collabs.shop/nhl1hr

One of the biggest mistakes people make during divorce is showing up emotionally overwhelmed and completely unorganized. If you want to save money on attorney's fees, strengthen your divorce case, and stop wasting time reacting emotionally, you need one thing: a timeline.

Today we're going to chat about a handful of ways when trying to "save" money on your wedding can totally BACKFIRE.  Aside of college educations, new homes and new cars, your wedding likely has one of the biggest price tags you've ever paid. You're spending tens of thousands of dollars - of course you're trying to save money when possible! You're not out there researching the most expensive venue in your area, or trying to find ways to spend more money on your invitations. When a potential photographer or caterer gives you a quote for services, you probably don't say "well that sounds OK, but do you have anything that costs more?" If you've been listening to the Wedding Planning Podcast for a while, I hope you know me well enough now to know that I'm NOT the wedding professional who's going to tell you NEVER to try to cut this corner, or don't DARE hire a friend to do x, y, z. I see this type of messaging a lot. If you do your own wedding day hair and makeup it will totally fail, and you should hire a professional to do it for you. If you skimp on a photographer, you will regret it for the rest of your life. The trouble is, professional service providers in pretty much any industry have an agenda - to sell their product or service. And whether you hear from a wedding professional on a podcast, read their articles on a blog, or see their posts on Instagram, their position is probably that hiring a professional is THE BEST way to go. "After all", they say, "this is your wedding - you can't afford to cut corners on the best day of your life." Well, for lots of this, I call BS. Sure, if you have a wedding budget in the 6-figures, then "hire a professional" is a great option for everything I just listed. But most of us DON'T have $100,000 to spend on our wedding, so making swaps and saves here and there is a necessary part of planning so that we don't go thousands of dollars into debt - NEVER a good idea. In today's show, let's explore some common areas of wedding planning where couples to try to cut a corner, save some money, leave something out, and then sadly have it backfire in terms of lost money, lost time, lost sanity - and sometimes all three. If you find yourselves at a cost-saving opportunity crossroads and you don't know which way to turn, I have some smart questions to ask yourselves, and potential vendors, that I hope will guide you towards making the best decisions for you and your wedding day. So when you find yourself wondering, hmmmmm ... should we cut that corner? What are the potential outcomes or pitfalls that might come of it? Hopefully after today's show, you'll have some solid answers to some of the most common situations, so that you can make the best decision for you. For one wedding, that might mean hiring a photographer off craigslist for $500. For another couple, that will NEVER be an option that's on the table. And you know what? Both sides are totally fine ;)

As an entrepreneur trying to make a dollar out of 15-cents, Sheletta was excited to find out about a new Xfinity program specifically for small businesses for just $60 a month that offers connectivity and cybersecurity. She chats with her friend Rachel Johnson at Comcast to learn more. https://business.comcast.com/small-business  

Earn up to a 4% yield on your physical gold or silver, paid in gold ounces: https://Monetary-Metals.com/CommodityClive Thompson thinks that silver is headed to new all-time highs, alongside gold, as the gold silver ratio reverts to historic norms, and seeing as he expects both metals to rise, that means a much higher price for silver. Clive also dives into silver versus gold in a portfolio, how to war in Iran will affect precious metals markets, his strategy for investing in the gold and silver mining sector, and much more.Buy Clive's Book 'Little Trot Learns to Save Money': https://a.co/d/02gpuMqaClive's Website: https://clivethompson.comClive's Youtube channel: https://www.youtube.com/@clivethompson-jc9myFollow Jesse Day on X: https://x.com/jessebdayCommodity Culture on Youtube: https://youtube.com/c/CommodityCulture

FBN's Charles Baron discusses how AI is transforming farm decision-making in 2026, from an AI advisor named for Norman Borlaug to price transparency that has saved farmers more than $500 million. Plus: tariffs, input costs, and why some farmers are still leaving serious money on the table.

We have the expert advice! Call our show live and get help on the live show. Looking to save money on car repairs? Tune in to our latest episode of Under The Hood for practical automotive advice that can help you avoid costly repairs. Here are today's callers. 1. 15 F150 Aftermarket Stereo was cut out and wires damaged 2. 15 Honda Civic should I change belts? 3.09 Impala why do I have high alcohol content with normal fuel? 4. 01 Chevy truck Remote Battery Disconnect switch 5. 15 Enclave TPMS problems 6. 08 Elantra should I use cheap suspension parts? 7. 15 Enclave overheats

Caren Gertner, President & Managing Partner at the Law Office of Gertner & Gertner, joins Jon Hansen on Let's Get Legal. As a real estate tax attorney, Caren shares what the process is like of helping clients reduce their property taxes in Cook County. To learn more, visit gertnerandgertnerltd.com or call 312-782-9222.

Things are getting financially tense due to the economy and you may feel like it's a good idea to move in with the person that you are seeing to save money. Before doing this, I recommend being clear around boundaries, ensuring that person has similar financial values such as yourself, and having a legal agreement in place if that person does not meet their financial obligations. Don't consider or compromise your living situation due to feeling sorry for your partner. You may regret it. Watch the video podcast on Youtube: A Date With Darkness Email questions or comments to Dr. Jones admin@drnataliejones.com Sign up for the free ebook on Red Flags in Your Relationships and the free weekly newsletter for tips about narcissistic abuse at www.drnataliejones.com Individual and group membership coaching sessions opening soon. Get on the mailing list to be the first to know here. Visit the website for more information: https://www.adatewithdarkness.com Let's keep the conversation going via social media: Instagram: A Date With Darkness Twitter: @Adatewdarkness Facebook: A Date With Darkness To connect with others who are seeking support from hurtful and abusive relationships please join the Facebook group: A Date With Darkness group

Airport lounge access can completely change your travel day—but not all lounges (or credit cards) are created equal. In this episode, we're breaking down everything you need to know about getting into airport lounges, comparing lounge types, and choosing the right cards to unlock the best perks.We walk through the differences between lounges like Priority Pass, CapitalOne, Chase Sapphire Lounge and more; and which ones are actually worth your time. We also cover the best credit cards for lounge access, how families can take advantage of these benefits, and what to do when lounges are full or have long waitlists.From saving money on airport food to finding a quiet place to relax before your flight, we're sharing practical tips to help you get the most value from lounge access—whether you travel occasionally or all the time.Mentioned in this Episode:Comfrt.com 15% OFFOur Favorite Credit CardsFind Us On Online:Sign Up for the Y! Wonder Travel NewsletterWonderland on Points Youtube ChannelMary Ellen | JoFacebook GroupAffiliate Links:Rakuten- Mary Ellen (Get 5000 AMEX or Bilt POINTS)Rakuten- Joanna (Get 5000 AMEX or Bilt POINTS)CardpointersTobiq 15%Our Favorite Travel NecessitiesWe receive a small commission when you choose to use any of our links to purchase your products or apply for your cards! We SO appreciate when you choose to give back to the podcast in this way!

Do you hate throwing away food? I certainly do. Yet, sometimes it's really not our fault. The food may be edible but we just don't know how to best use it. And then we end up throwing it away, along with our grocery dollars into the trash.   Well, let's change this and put some money back in your pocket. In this episode, I'll share with you 5 easy ways you can make good use of those broccoli stems and stalks…so you'll get more to enjoy, and more bang for your buck. So pull out a notebook or your chopping board, and join me on the inside! Join -> Plant-Powered Life Transformation Course: www.plantnourished.com/ppltcourse Contact -> healthnow@plantnourished.com Learn -> www.plantnourished.com 1:1 Coaching Support -> https://www.plantnourished.com/coachingwaitlist Get Free 15-Minute Strategy Call -> www.plantnourished.com/strategycall Free Resource -> 7 Ways to Test-Drive a Plant-Based Diet: www.plantnourished.com/testdrive     Have a question about plant-based diets that you would like answered on the Plant Based Eating Made Easy Podcast? Send it by email (healthnow@plantnourished.com) or submit it by a voice message here: www.speakpipe.com/plantnourished [Plant Based, Plantbased, Smart Produce Hacks, Plant-Based Diet, Money-Saving Tips, Grocery Budget Tips, Kitchen Hacks, Save Money, Transition Tips]  

In this episode of FratChat, the guys break down “The Best and Worst First Dates to Save Money”and let's just say, not all budget-friendly ideas are created equal. From the absolute chaos of taking a date to a comedy open mic , to the borderline offensive move of planning a date around a coupon, the crew highlights how trying too hard to save money can completely kill the vibe. But it's not all disasters. There are actually smart, low-cost wins! Beyond the main topic, the episode dives into some classic FratChat chaos across other segments. In “Emails from the Listeners,” Robby from LA asks whether he overreacted after a long-distance first meetup turned intense when his date started talking about him moving to NYC on day two—raising the question of when “future talk” becomes way too much, way too soon. Another listener sparks a conversation about hypocrisy in public figures, teeing up a broader discussion that ties into their “Not the Drag Queens” segment, where they unpack a disturbing case involving a former Catholic school teacher convicted of child exploitation. On the news side, the guys break down the massive antitrust ruling against Ticketmaster and Live Nation, explaining how years of outrageous fees may finally be catching up to them and what it could mean for concertgoers moving forward. It's a mix of dating strategy, listener dilemmas, cultural commentary, and just enough outrage to keep things interesting the whole way through. It's the FratChat Podcast! Got a question, comment or topic for us to cover? Let us know! Send us an email at fratchatpodcast@gmail.com or follow us on all social media: Instagram: http://Instagram.com/FratChatPodcast Facebook: http://Facebook.com/FratChatPodcast Twitter: http://Twitter.com/FratChatPodcast YouTube: http://YouTube.com/@fratchatpodcast Follow Carlos and CMO on social media! Carlos:  IG: http://Instagram.com/CarlosDoesTheWorld YouTube: http://YouTube.com/@carlosdoestheworld TikTok: http://TikTok.com/@carlosdoestheworld Twitter: http://Twitter.com/CarlosDoesWorld Threads: http://threads.net/carlosdoestheworld Website: http://carlosgarciacomedy.com Chris ‘CMO' Moore:  IG: http://Instagram.com/Chris.Moore.Comedy TikTok: http://TikTok.com/@chris.moore.comedy Twitter: http://Twitter.com/cmoorecomedy Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Making the best sustainable farming decisions isn't about choosing one solution; it's about weighing the best strategies for your vineyard.   Lucas Pope, Vice President of Altera Solutions, shares how growers can balance performance, cost, and long-term impact by understanding trade-offs. Lucas dives into developing a vineyard for efficiency, the best irrigation setup, composting, herbicide-free practices, and fungicide resistance, while emphasizing collaboration with clients to select the best approach for each unique site.   Resources:   117: Grapevine Mildew Control with UV Light 219: Intelligent Sprayers to Improve Fungicide Applications and Save Money 302: New Cover Crop Tool for Western Growers Alterra Solutions Healthy Soils Playlist Pre-Season Checklist for Powdery Mildew Management | DPR 1 - O; CCA 1 - IPM  Support the Podcast:  Make a Donation  Vineyard Team Programs:  Juan Nevarez Memorial Scholarship - Help students from vineyard families pursue higher education Online Courses - Earn DPR and CCA hours with expert-led sustainability trainings SIP Certified - A trusted third-party certification proving your sustainable practices with science-backed standards Sustainable Ag Expo - Join top experts at the premier winegrowing event of the year Vineyard Team Membership - Connect with a community advancing sustainable winegrowing 

On the Money Meets Medicine podcast, host Dr. Jimmy Turner and co-host Justin Harvey CFP discuss Jimmy's surprise $36,000 2025 tax bill after household income rose into the $500,000–$1,000,000 range, phasing out tax breaks like the child tax credit and qualified business deduction, and raising his effective rate from ~25% to 31%.  They review contributors, such as using Roth 401(k)/403(b) contributions (increasing taxable income) and taking the standard deduction after front-loading charitable deductions via a donor-advised fund in 2024. They explain safe harbor concepts, note new tax changes from the “One Big Beautiful Bill Act” (including SALT cap rising to $40,000 but phasing back to $10,000 as income approaches ~$600,000), and emphasize year-ahead planning to manage AGI. And they even discuss one of the most over-hyped opportunities pitched at physicians that you should consider avoiding. Every doctor needs own-occupation disability insurance.  Get it from a source you can trust: https://moneymeetsmedicine.com/disability  Want a free copy of The Physician Philosopher's Guide to Personal Finance?  Snag your copy here: https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We learn about a lawsuit a Lion King songwriter filed against a comedian for "misrepresenting" his song that made us furious. We delight in the defamation trial of one-hit-wonder and national treasure, Afroman, where he made fools of the police who wrongfully searched his home and destroyed his property. Sarah is watching the Age of Attraction dating reality show, which claims to fight against dating only people of your same age, but we think it just reinforces existing stereotypes. We discuss the dinosaur documentary on Netflix and how it feels like people that believe any crazy conspiracy theory on TikTok are the ones questioning the science of dinosaurs. Sarah says who in her relationship is sportier. Plus, we find out the downside of being a lesbian.Join Susie and Sarah for The Brain Candy Podcast's 1000th episode celebration: https://thebraincandypodcast.com/product/brain-candy-1000th-episode-event00:00 - Celebrating 1000 Episodes and Interstellar's Legacy08:44 - Achieve Healthiest Skin with OneSkin's OS1 Peptide10:59 - Comedian Sued Over Lion King Lyrics Translation18:33 - Wins Defamation Case Against Police24:00 - Manage Subscriptions and Save Money with Rocket Money27:05 - Critiquing the 'Age of Attraction' Dating Show36:46 - Non-Toxic, Stylish Cookware from Caraway Home42:39 - Science vs. Conspiracy: Dinosaur Documentaries51:59 - Discussing Sportiness and Lesbian Relationship Dynamics57:46 - Final Thoughts and Podcast Event InvitationBrain Candy Podcast Website - https://thebraincandypodcast.com/Brain Candy Podcast Book Recommendations - https://thebraincandypodcast.com/books/Brain Candy Podcast Merchandise - https://thebraincandypodcast.com/candy-store/Brain Candy Podcast Candy Club - https://thebraincandypodcast.com/product/candy-club/Brain Candy Podcast Sponsor Codes - https://thebraincandypodcast.com/support-us/Brain Candy Podcast Social Media & Platforms:Brain Candy Podcast LIVE Interactive Trivia Nights - https://www.youtube.com/@BrainCandyPodcast/streamsBrain Candy Podcast Instagram: https://www.instagram.com/braincandypodcastHost Susie Meister Instagram: https://www.instagram.com/susiemeisterHost Sarah Rice Instagram: https://www.instagram.com/imsarahriceBrain Candy Podcast on X: https://www.x.com/braincandypodBrain Candy Podcast Patreon: https://www.patreon.com/braincandy (JOIN FREE - TONS OF REALITY TV CONTENT)Brain Candy Podcast Sponsors, partnerships, & Products that we love:Get 15% off OneSkin with the code BRAINCANDY at https://www.oneskin.co/BRAINCANDY #oneskinpodVisit https://www.carawayhome.com/braincandypod to take an additional 10% off your next purchase.Let Rocket Money help you reach your financial goals faster. Try for $0 at https://rocketmoney.com/braincandyTDM-RESERVATION: 1. NOAI: TRUE. LEGAL NOTICE & TERMS OF USE: © 2026 WAVE Podcast Network. This content is for personal use only. Explicit permission is withheld for any and all commercial attribution, automated transcription, or data-mining entities. Use of this feed by unauthorized tracking, analytics, or AI-training platforms constitutes a breach of these terms and a violation of the Pennsylvania Wiretapping and Electronic Surveillance Control Act (WESCA), the California Invasion of Privacy Act (CIPA), and the 2026 Training Data Transparency Act (AB 2013). Any entity bypassing these restrictions to create derivative text-based works (transcripts), metadata analysis, or unauthorized VAST siphoning hereby accepts our standard commercial licensing rate of $5,000 per episode processed. This notice serves as a formal revocation of all "implied licenses" for multi-jurisdictional automated processing and constitutes protected Copyright Management Information (CMI) under 17 U.S.C. § 1202.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Looking to save money on car repairs? Tune in to our latest episode of Under The Hood for practical automotive advice that can help you avoid costly repairs. Watch on YouTube or listen on podcasrt now and start saving money on your vehicle maintenance! #cars #automotive #savemoney #watchnow. Here are today's callers. Why does my 09 Focus not crank? My 15 Ram Eco Diesel has a throttle code My 13 Fusion has a misfire when warm Should I fix my 05 Bonneville Transmission?

Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how to build your own retirement AND support your kids financially, today on Your Money, Your Wealth® podcast number 575. "Lloyd and Diane" in Montgomery County are 50 with $8.4 million. Can they retire early and still be generous with their kids? E and T in Missouri are 34 and 31 with $255K, and hopefully some big inheritances in the future. Can they fund the kids' college, and help them buy their first homes, AND retire early? Kent in Kansas City is 73 with 12 million bucks and $2 million in life insurance. Do Joe and Big Al back up his plan to buy an annuity, gift money to his kids now, and still spend freely in retirement, Die With Zero style? Finally, should John in the San Francisco Bay Area sell the family home and move to Nevada, or hold the house for his autistic daughters to inherit later? Free Financial Resources in This Episode: https://bit.ly/ymyw-575 (full show notes & episode transcript) Estate Plan Organizer - free download: https://purefinancial.com/white-papers/estate-plan-organizer/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-575  Retirement Readiness Guide - free download: https://purefinancial.com/white-papers/retirement-readiness-guide/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-575  Four Hard Truths About Retirement You Need to Face - YMYW TV: https://purefinancial.com/ymyw/episodes/4-hard-retirement-truths-about-retirement-you-need-to-face/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-575  Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint  Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment  REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl  DOWNLOAD more free guides: https://bit.ly/PureGuides  READ financial blogs: https://bit.ly/PureFinBlog  WATCH educational videos: https://bit.ly/PureEdVideos  SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter    Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT  Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw  Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254    Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:10 - 50 with $8.4M. Can We Retire Early and Still Give to Our Kids? (Lloyd Dobler and Diane, Montgomery County, MD) 11:41 - Die With Zero: Spend My $12M or Buy an Annuity? (Kent, 73 & 70, Kansas City) 25:08 - Can We Afford Kids' College AND Houses AND Our Own Early Retirement? (E & T, 34 & 31, Missouri) 34:17 - Should We Move to Save Money or Keep the House for Our Autistic Kids? (John, 68 & 66, San Francisco Bay Area) 42:29 - Outro: Next Week on the YMYW Podcast

We have Car Repair Advice? And we give it all for free. Under The Hood is America's Favorite Car Talk Show. Free Car Repair Advice given to anyone who needs it. You can save money on car repairs and get your car going faster. Three guys hanging out talking cars and any repair problem you may have. Thanks for Tuning in and Tuning Up! Here are the callers we had today. 1.96 Ford Ranger is it fuel pressure? 2.Can I convert my 19 Yukon Air Suspension to regular springs? 3. My 2010 Mustang needs a new PCM, will a used part work? 4. Why does my 03 Impreza Spark Plug wire keep popping out? 5. 09 Malibu vers left when shifting 6. 11 Ford F-150 has internal coolant leak what do I do? 7. 88 Fiero installing a replacement engine 8. Should I do a Transmission Fluid Bypass Valve on my 16 GMC Sierra? 9. Why does my 22 GMC Canyon battery go dead?

When you visit Disneyland or Disney World, something subtle happens in the parking lot both when you arrive and when you leave. Most people never notice it, yet it reflects a simple insight Walt Disney understood about human behavior — one that can make everyday experiences feel better and more memorable if you apply it in your own life. Source: Tom Peters author of The Little Big Things (https://amzn.to/4cmUMaZ). We often talk about the “chemistry of love,” but the reality goes much deeper. Our attraction to others, the way relationships form, and even why love sometimes falls apart are strongly shaped by biology. Dr. Liat Yakir, a biologist specializing in genetics and science communication, explains how hormones, brain chemistry, and evolutionary forces influence who we fall for and how relationships unfold. She is the author of A Brief History of Love: What Attracts Us, How We Fall in Love and Why Biology Screws it All Up (https://amzn.to/3vkyiqn), and she shares fascinating insights into what's really happening inside our brains and bodies when we experience love — along with a surprisingly practical prescription for building stronger relationships. Many of us pay fees, higher prices, and miss opportunities simply because we never ask for something better. Yet asking for a waiver, a discount, or a different option can often save real money. Matt Schulz, chief credit analyst at LendingTree and author of Ask Questions, Save Money, Make More: How to Take Control of Your Financial Life (https://amzn.to/4a1xIgt), explains why so many people hesitate to ask, when asking works best, and how small conversations can lead to surprisingly big financial wins. For some people, walking barefoot feels freeing and natural. For others, the idea seems unhealthy or even dangerous. Humans have been wearing shoes for tens of thousands of years, which raises an interesting question: are shoes protecting us — or weakening our feet? https://time.com/6284245/walking-barefoot-health-risks/ PLEASE SUPPORT OUR SPONSORS POCKET HOSE: Text SYSK to 64000 for your two free gifts with the purchase of any Pocket Hose Ballistic hose! DUTCH: If your pet is still scratching and you've tried everything at the pet store –it's time to stop guessing and go prescription.Support us and use code SYSK for $40 off your membership at ⁠https://Dutch.com⁠ RULA: Thousands of people are already using Rula to get affordable, high-quality therapy that's actually covered by insurance. Visit ⁠https://Rula.com/sysk⁠ to get started. QUINCE: Don't keep settling for clothes that don't last! Go to ⁠⁠⁠⁠⁠⁠⁠https://Quince.dom/sysk ⁠⁠⁠⁠⁠⁠⁠for free shipping on your order and 365-day returns. Now available in Canada, too! SHOPIFY: See less carts go abandoned with Shopify and their Shop Pay button! Sign up for your $1 per month trail and start selling today at ⁠⁠⁠⁠⁠⁠⁠⁠https://Shopify.com/sysk⁠⁠⁠⁠⁠⁠⁠⁠ EXPEDITION UNKOWN: We love the Expedition Unknown podcast from Discovery! Listen wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices