Podcasts about Separate

Hello and welcome to Handgun Radio! I'm your host Ryan Michad, Weerd Beard & Co from the wild woods of Central Maine and this is your home for all the news, information and discussion in the handgunning world!   This week, we talk Wild Departures!   Please check out the Patriot Patch Company for their awesome patches and other high quality  items! Visit www.patriotpatch.co for more information! Cool artist “proof” rendition come along with the latest patch of the month patches!    We are proudly sponsored by VZ Grips! Please go check out all their fantastic products at their website! VZ Grips!  -KFrame Magna Grips   Thank you to all our patreons! Visit us at https://www.patreon.com/handgunradio    Week In Review:   Ryan:-Nothing major, cool video posted in the HGR group about USFA   Listener Email Nate:   Ryan & Weerd, Hey guys, what's up? I've been looking forward to the next HGR episode…hint hint! I bet both of you are pretty busy.   Here's hoping y'all get some free time for a new episode!   I'm currently on hometime in Commierado. The state of the 2nd isn't good here. Commierado's legislature is again passing more gun control.   I really do wonder if they've ever read the Constitution and the Bill of Rights?    In regards to our previous emails, Ryan, I don't have any updates on Tisas USA, as far as their operations go. I did learn some interesting information about theirs new CEO. Are y'all familiar with Classic Firearms on YouTube? Kaya, formerly of Classic Firearms, is more the CEO of Tisas' new US operations.    I'll keep y'all posted as I find out more information.    As for new additions to my growing armory, I recently picked up an H&K VP9 in 9mm. It came with 11 mags, and a Holosun 507…. for $700.    Weerd, could you please suggest a good recipe for whiskey sours? Thanks!   Sincerely, Nate   PS Ryan here's an attachment for something you're in dire need of   Weerd:   Oddball:   David:   Drink Segment:   Old Crow Boubon   Whiskey Sour:  2oz Whiskey (Rye is classic) 1oz Lemon Juice 0.5 Oz Simple Syrup (adjust to taste)   Cinnamon Challah Ingredients 3 ½ cups all-purpose flour 2 eggs and 1 more for egg wash 2  ¼ teaspoons active dry yeast 1 packet 3 tablespoons brown sugar ⅓  cup olive oil 1 teaspoon salt ⅔  cup warm water Filling ¼ cup canola oil ¾  cup brown sugar 2 teaspoons cinnamon Instructions Add the flour, brown sugar, and salt to a mixing bowl. Proof the yeast in the water with a pinch of sugar. Add the yeast, eggs, and oil to the flour. Mix into a dough and knead for 7 minutes or until fully developed. Cover and allow to rise for 1 hour in a warm place. While the dough is rising, make the filling a medium sized bowl. Add the oil, sugar and cinnamon. Mix. Separate the dough into 3 pieces. Roll each one into a square with a rolling pin. Spread the cinnamon-sugar mix on the dough, leaving a 1/2 inch around the edges. Roll each square. Pinch the ends and stretch each strand to about a foot long. Braid them up! Place on a non-stick baking surface and cover for 30 minutes. Preheat the oven to 375°F Brush the challah with beaten egg. Bake for 30 minutes. If the top is getting too dark, place a piece of foil on top of the challah in the oven.   Main Topic: Wild Departures -Ounce Pistol -Altor -Zip 22 -Taurus Curve -P90 Magazine -Hill 15 SMG -Bizon Magazine ( I first saw this playing Syphon Filter on PS1) -Calico -Webley–Fosbery -Mauser ZigZag -LeMatt Revolver -KelTec PR-5.7 -Pen Gun -Lifecard -Ideal Conceal -Full Conceal Glock -Standard Manufacturing Thunderstruck S333 -M&P 5.7 -Palm Pistol -Apache Pistols   Wrap Up: Don't forget to shop Brownells using our affiliate link! Head to firearmsradio.net and click the affiliate link in the upper right hand corner! Be sure to go like Handgun Radio on facebook and share it with your friends! Leave us a review on iTunes! Check out VZ Grips!  Listen to all the great shows on the Firearms Radio Network! Check out the Patriot Patch Company!! www.patriotpatch.co   Weerd where can people find you? Assorted Calibers Podcast,  Weer'd World   Oddball gunscarstech.com Assorted Calibers Podcast ACP and HGR Facebook Play screechingtires.wav   David Blue Collar Prepping Brena Bock Author Page David Bock Author Page Team And More Xander: Assorted Calibers Podcast Here so Ryan doesn't do a bad impression of me   Until next week, have fun & safe shooting!

We say “love” constantly—but most of us were never taught what it actually is. In this episode of Healthy Mind, Healthy Life, hosted by Yusuf, Kim Sorrelle reframes love as something you embody, not something you bargain for. This conversation is for anyone who feels disappointed in relationships, confused by “mixed signals,” or exhausted by chasing validation. You'll walk away with a grounded, freeing way to love—without losing yourself in expectations. About the Guest: Kim Sorrelle is a director of a humanitarian organization, speaker, and author. After losing her husband 17 years ago, she dedicated a year—much of it in Haiti—to understand the true meaning of love. Episode Chapters: 04:00 Love beyond romance and poetry 05:30 Grief and the year-long search for love 07:00 Why “love is a two-way street” creates pain 08:10 Love vs emotion: the like/love distinction 10:20 Love doesn't fade—connection can 14:15 Self-love as the starting point 24:30 AI, fear, and why love changes everything Key Takeaways: Stop treating love like a trade; release “if I give, I should get.” Separate a person from an action you don't like. Don't confuse emotional distance with the end of love. Practice self-love to recognize worth in others. Let love return in its own form—drop the script. How to Connect With the Guest: The Kim Sorrelle Show: “Love Is” (available on major platforms, including YouTube)   Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik™️. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer. Healthy Mind By Avik™️ is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty, storyteller, survivor, and wellness advocate. With over 6000+ episodes and 200K+ global listeners, we unite voices, break stigma, and build a world where every story matters.

You finally have the thing you worked so hard for… so why does it feel scarier now than when you started?In this solo episode, Ash gets personal about what February taught her, from a soul-recharging trip to Costa Rica to a full business rebrand in motion, and lands on a truth that's been showing up over and over again with her clients: success doesn't always set us free. Sometimes it shrinks us.Because it's easier to be bold when you have nothing to lose. But what happens when you've built something real? When the stakes are higher and your nervous system starts treating your dream like a threat?This is the conversation around the Golden Cage, and why staying brave once you have something to lose might be the most important work of your next level.TOPICS WE EXPLORE:Why achievement can make high-achieving women play it safeThe Golden Cage concept — how success can quietly become a cageWhy your nervous system doesn't care that you're successfulHow identity attachment to your business invites you to shrinkThe difference between real risk and perceived ego threatWhy it's easier to dream when you have nothing to protectThe Upper Limit Problem and how self-sabotage shows up at your next levelWhy remembering to be a beginner is the key to staying boldHow loosening your grip on identity creates space to evolveAsh's personal February reflections — Costa Rica, big business shifts, and calling in braveryPOINT OF THE EPISODE:The higher you climb, the more your nervous system has to protect, and that's exactly when most women start playing smaller. The next level of success isn't just about building more. It's about staying brave, staying curious, and remembering that tenacious beginner energy that got you here in the first place. Separate real risk from ego threat, loosen your grip on who you've been, and give yourself permission to evolve.MENTIONED:The Big Leap by Gay Hendricks: a must-read on upper limits and self-sabotageLeisha Drews on the Happily Hormonal Podcast: Ash joined Leisha to talk high-functioning burnout, why youAre you loving it? Send Ash a text! MORE ABOUT ASHI am the definition of duality — I swear like a sailor and break rules like it's my job, but I also hold incredible space for my clients and work my ass off to help them achieve the success they're after. But I'm also here for the non-preneur woman, too. My background in counseling gives me a unique perspective on what it means to show up, serve, & create connection for those who feel like they've never belonged before.LINKS:Become the Regulated WomanGet emails that feel like your best friend (if your best friend was a therapist and actually told you the truth).Use code BB20 to get The Burnout Breakthrough for only $7Follow me on IG (dropping in once a quarter for updates & gossip)Website: ashmcdonaldmentoring.comWork with me 1:1 Therapeutic Mentorship Business Therapy (therapy + strategic mentorship)

Send a textIn this week's episode 343 of the Fragmented to Whole Podcast, I'm sharing a powerful shift that changes the way we relate to other people's crises. When you grow up feeling responsible for everyone else's emotions, someone else's chaos doesn't feel like inconvenience. It feels like danger.In this episode, I explain how internal boundaries allow you to care deeply without collapsing into rescue mode.Some of the talking points I go over in this episode include:• Why people who were parentified or over-responsible growing up often experience other people's problems as an emergency their nervous system must fix.• The difference between setting boundaries and having boundaries internally, where you remain steady even when others are in chaos.• Why compassion and responsibility are not the same thing, and how learning to separate them changes your emotional life.• How rescuing often comes from anxiety, not true responsibility.• Why internal boundaries create internal safety, allowing you to stay whole even when others are struggling.How to Build Internal Boundaries1. Notice the activationYour body may react first: your chest tightens, your mind races, and you start planning how to fix the situation. This is your old wiring interpreting someone else's chaos as danger.2. Interrupt the automatic meaningInstead of thinking “If I don't fix this, I'm a bad person,” insert a new thought:“I can care without intervening.”“Their chaos is not my emergency.”3. Separate compassion from responsibilityYou can feel compassion for someone without taking responsibility for solving their problem.4. Tolerate the discomfort of not interveningYour nervous system may protest and tell you that you're being selfish or abandoning them. Stay present and allow the discomfort to pass without jumping in to fix it.5. Allow consequences to unfoldWhen you stop intercepting reality, people experience the natural consequences of their choices. Over time, your nervous system learns something powerful: other people's chaos is not danger.You don't have to stay stuck in the cycle of rescuing, fixing, and managing other people's lives in order to feel safe. Internal boundaries create internal safety and allow you to remain grounded even in the presence of someone else's crisis.Be sure to tune in to all the episodes to receive tons of practical tips on living a more whole life and to hear even more about the points outlined above.Thank you for listening! If you enjoyed this episode, take a screenshot of the episode to post in your stories and tag me! And don't forget to follow, rate and review the podcast and tell me your key takeaways!Learn more about Fragmented to Whole athttps://higherpowercc.com/podcast/Feeling drained? Take my free Boundaries Drain Quiz to find out where your energy is leaking and how to reclaim it. Start your quiz here:https://higherpowercc.com/drain/CONNECT WITH BARB NANGLE:Subscribe to “Friday Fragments” weekly newsletterLinkedinWork with Barb! Book a “Say No Without Guilt” Session

There's a way to experience real life change, and it isn't about trying harder; it's about a completely new way of thinking.Negative Command: “Do not be conformed to the pattern of this world…”Passive voiceImperativePresent tenseTranslation: “Stop allowing yourselves to be molded by the influences and pressures of this present world system.”Application: We are to be SEPARATE from the world's values. -1 Jn. 2:15-17Summary: The world's system seeks to SEDUCE us from our love for Christ by PLEASURE, POSSESSIONS, and POSITION.Positive Command: “…but be transformed by the renewing of your mind.”Passive voiceImperativePresent tenseTranslation: “But allow God to completely change your inward thinking and outward behavior by cooperating wholeheartedly moment-by-moment with the Spirit's renewing process.”Application: Are you shaped more by the WORLD or the WORD? -Mat. 4:4; 2 Cor. 3:18The means of transformation: “…by the renewing of your mind.”Renewing your mind is a continual REFOCUS of a Romans 12:1 perspective.Renewing your mind will always involve a BATTLE.Renewing your mind is a SUPERNATURAL work of the Spirit.Practical methods for “Renewing Your Mind”HEARING God's Word -Rom. 10:17Use your TIME wisely. Be in the WordREAD God's Word -Rev. 1:3STUDY God's Word -2 Tim. 2:15MEMORIZE God's Word -Psa. 119:9,11MEDITATE on God's Word -Jos. 1:8A tool for transformation: The “2PROAPT” MethodBroadcast ResourcesMessage NotesAdditional ResourcesBecome a Monthly PartnerTrue Spirituality BookTake the Real You Assessment FreeWhat Every New Believer Needs to KnowConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

It’s been a chaotic and frightening day in both Michigan and Virginia. First, just outside of Detroit, a vehicle driven by a man armed with a rifle rammed a synagogue. Security fired shots and the vehicle burst into flames inside the synagogue. The would-be shooter was killed, but there are concerns about incendiary devices that may still be inside the vehicle. In Virginia, one victim is dead, two others injured after a gunman opened fire on Old Dominion University’s campus just before 11am. The gunman is dead, but investigators are now trying to determine what happened and why, as classes have been cancelled for the rest of the week.See omnystudio.com/listener for privacy information.

NUMBER FILE SEPARATE SINGLE PARAGRAPH 1-12 1. Mary Anastasia O'Grady of the *Wall Street Journal* explores the presence of Iranian assets in Venezuela, noting that Iranian technology was used to build an assembly plant for military drones in the state of Aragua. She discusses the status of acting president Delcy Rodriguez, whom the U.S. recently recognized as the sole head of state in federal court, a move that appears to sideline the democratic opposition leader Maria Corina Machado. O'Grady also highlights the legal significance of Alex Saab, an interlocutor between Tehran and Caracas, who is viewed as a "treasure trove" of information regarding the criminal charges against the Maduro regime. (1)1900

There's a way to experience real life change, and it isn't about trying harder; it's about a completely new way of thinking.Negative Command: “Do not be conformed to the pattern of this world…”Passive voiceImperativePresent tenseTranslation: “Stop allowing yourselves to be molded by the influences and pressures of this present world system.”Application: We are to be SEPARATE from the world's values. -1 Jn. 2:15-17Summary: The world's system seeks to SEDUCE us from our love for Christ by PLEASURE, POSSESSIONS, and POSITION.Positive Command: “…but be transformed by the renewing of your mind.”Passive voiceImperativePresent tenseTranslation: “But allow God to completely change your inward thinking and outward behavior by cooperating wholeheartedly moment-by-moment with the Spirit's renewing process.”Application: Are you shaped more by the WORLD or the WORD? -Mat. 4:4; 2 Cor. 3:18The means of transformation: “…by the renewing of your mind.”Renewing your mind is a continual REFOCUS of a Romans 12:1 perspective.Renewing your mind will always involve a BATTLE.Renewing your mind is a SUPERNATURAL work of the Spirit.Practical methods for “Renewing Your Mind”HEARING God's Word -Rom. 10:17Use your TIME wisely. Be in the WordREAD God's Word -Rev. 1:3STUDY God's Word -2 Tim. 2:15MEMORIZE God's Word -Psa. 119:9,11MEDITATE on God's Word -Jos. 1:8A tool for transformation: The “2PROAPT” MethodBroadcast ResourcesMessage NotesAdditional ResourcesBecome a Monthly PartnerTrue Spirituality BookTake the Real You Assessment FreeWhat Every New Believer Needs to KnowConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

It’s been a chaotic and frightening day in both Michigan and Virginia. First, just outside of Detroit, a vehicle driven by a man armed with a rifle rammed a synagogue. Security fired shots and the vehicle burst into flames inside the synagogue. The would-be shooter was killed, but there are concerns about incendiary devices that may still be inside the vehicle. In Virginia, one victim is dead, two others injured after a gunman opened fire on Old Dominion University’s campus just before 11am. The gunman is dead, but investigators are now trying to determine what happened and why, as classes have been cancelled for the rest of the week.See omnystudio.com/listener for privacy information.

It’s been a chaotic and frightening day in both Michigan and Virginia. First, just outside of Detroit, a vehicle driven by a man armed with a rifle rammed a synagogue. Security fired shots and the vehicle burst into flames inside the synagogue. The would-be shooter was killed, but there are concerns about incendiary devices that may still be inside the vehicle. In Virginia, one victim is dead, two others injured after a gunman opened fire on Old Dominion University’s campus just before 11am. The gunman is dead, but investigators are now trying to determine what happened and why, as classes have been cancelled for the rest of the week.See omnystudio.com/listener for privacy information.

This week, Ronan reveals to the world that he's never even sat on a Cannondale CAAD. Relatedly, Escape is now hiring a new tech editor. Separate from that controversy, Dave and Ronan chat through some interesting but unreleased products. Dave worries he's got too much on his mind when it comes to modern electronics in bicycles. And conversation turns a little behind-the-scenes. Members of Escape Collective also get access to Ask a Wrench, where we answer your technical questions. This week a lot of those questions were up Ronan's alley, so he's present to answer them.   Happy geeking! Time stamps: 3:40 - Escape is hiring!  7:00 - The new CAAD   16:30 - Interesting concept handlebar from Champn  24:00 - Pogi's new Enve 6.7s  26:33 - Bianchi's Infinito puzzling press launch   35:40 - New travel cases from Evoc and Post Carry Co 40:00 - Dave has no more mental capacity for electronics 50:00 - Ask a Wrench (members only)  51:00 - Corrections Corner  52:00 - Bike choice for Paris-Roubaix Challenge   1:04:00 - Hookless confusion in the real-world  1:10:00 - First bike with electronic shifting. Things to know. 

Imagine spending or investing $0.02 per click with 619+ Global Million Pinterest Users? The Pinterest Playbook for Business Growth is here!Favour Obasi-ike, MBA, MS, host of the We Don't PLAY!™️ Podcast and Pinterest-certified SEO strategist, leads a live Clubhouse session breaking down the difference between Pinterest marketing (organic) and Pinterest advertising (paid).Joined by John, Dr. Cynthia, and Ramyar, Favour shares real client case studies, including one that jumped from 54M to 154M Google image impressions in three months using Pinterest.He reveals why Pinterest is a visual search engine with 619 million monthly active users, 96% unbranded searches, and 3x higher shopping ad conversions.Key TakeawaysPinterest is a visual search engine, not social media. Users arrive early in their planning phase, making them high-intent buyers.96% of Pinterest searches are unbranded. Your content reaches people who have never heard of you but are searching for your solution.Pin shelf life crushes Instagram. A pin lasts 3.5 to 5 months; add a blog link and it extends to 24 months vs. Instagram's 72 hours.Pinterest indirectly boosts Google rankings. One client went from 54M to 154M Google image impressions in three months via Pinterest.Use Pinterest to A/B test creatives for free. Post five graphics organically for 14 days, then run paid ads only on the top performers.Separate personal and business accounts. Use your domain email for business to claim 100% content ownership via Pinterest's hub.Memorable Quotes"Pinterest is a visual search engine. Drop the P and it's interest. Pinterest has a taste bud of interest and keywords." — Favour Obasi-ike [18:34]"85% of weekly users purchase from pins, and 45% of US Pinterest households earn over $150K a year." — Favour Obasi-ike [27:14]"Pinterest is the least skipped platform for ads. You may not even know what a Pinterest ad looks like." — Favour Obasi-ike [28:11]"Content is king and context is queen. Build the two together and the value increases." — Favour Obasi-ike [40:14]"Build a brand that your website is proud of." — Favour Obasi-ike [92:02]FAQsQ: What is the difference between Pinterest marketing and Pinterest advertising?A: Pinterest marketing is organic: consistently publishing through a claimed website, RSS feed, and Pinterest tag. Pinterest advertising is paid: targeted ads by zip code, interest, and device for quick visibility.Q: How does Pinterest help my Google rankings?A: Your website images appear in Google Images and Bing Images via Pinterest, acting as a backlink and image traffic source that compounds domain authority.Q: Can I target locally on Pinterest?A: Yes. Pinterest allows ad targeting by zip code, making it powerful for local businesses.Q: What is the best way to test ad creatives cheaply?A: Post five creatives organically for 14 days, rank by impressions, then run paid A/B tests only on the top two winners.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It’s been a chaotic and frightening day in both Michigan and Virginia. First, just outside of Detroit, a vehicle driven by a man armed with a rifle rammed a synagogue. Security fired shots and the vehicle burst into flames inside the synagogue. The would-be shooter was killed, but there are concerns about incendiary devices that may still be inside the vehicle. In Virginia, one victim is dead, two others injured after a gunman opened fire on Old Dominion University’s campus just before 11am. The gunman is dead, but investigators are now trying to determine what happened and why, as classes have been cancelled for the rest of the week.See omnystudio.com/listener for privacy information.

Today's bonus episode inside The Shift Podcast is the replay from Day 3 of The Shift Preview Calls, where we talked about something that impacts every area of your life.Decluttering your brain.Most people think they are stuck because they don't know what to do.But more often, the real problem is a cluttered mind.Too many thoughts.Too much second guessing.Too much mental noise.When your brain is cluttered, everything feels harder.Decisions take longer.Energy drains faster.Momentum slows down.In this training you will learn how to:​ Identify the thoughts that are slowing you down​ Separate facts from the stories your brain is telling you​ Create thoughts that give you energy instead of taking it​ Make decisions from a managed mindYou will also get to listen to a powerful live coaching example, where someone receives coaching on the anxiety he is experiencing during his job search and interviews.You'll see how coaching helps him navigate uncertainty and create confidence in himself in real time.This is what real coaching looks like.If you are someone who likes to listen and learn on the go, this replay is perfect for you.And if this conversation resonates with you, the next step is stepping inside The Shift.Click link below to join The Shift and get all the details.Let's Shift into the life you LOVE.Rewatch Day 3 Here Join The Shift + Get Bonus

If you've ever hit that point where you're "still functioning," but everything feels heavier—this episode is for you. In Building Better Developers, the hosts frame this season around getting unstuck and building forward momentum—even when life is busy, messy, and your energy is running low. In this conversation with Andrew Stevens, the throughline is practical: communicate early when you're behind, shrink work into achievable chunks, and put real AI guardrails in place so "helpful tooling" doesn't turn into a trust incident. Forward Momentum starts with honesty: communicate early When you're overloaded, the easiest mistake is to go silent and hope the schedule will magically work out. Andrew's advice is the opposite: you can be busy and even behind, but it has to be communicated—early and clearly—so stakeholders can react while there's still room to maneuver. This ties directly into the season's theme. Rob literally describes the season as "getting unstuck," "moving forward," and "getting out of the starting blocks." Forward momentum isn't a sprint; it's a consistent start. Forward momentum is often a communication problem before it's a productivity problem. If you're slipping, say it early—while you still have options. Small wins beat big intentions when you're overloaded One of the most useful tactics in the episode is deceptively simple: pick something small enough that you can finish it. When burnout (or just relentless busyness) sets in, big tasks become motivation killers. Breaking work into smaller, clearly finishable steps creates traction. A small win gives you proof you can still move, which is sometimes the only thing that gets you back into a productive rhythm. The hosts even joke about needing a "bigger notebook" because there are so many ideas—then explicitly connect the dots to their seasonal goal: keep the forward momentum going into the new year. If everything feels too big, shrink the scope until it's impossible to fail. One completed task restores momentum faster than ten "important" tasks you never start. AI guardrails: use AI for leverage, not liability The most grounded part of the discussion is how Andrew thinks about AI: not as magic, but as a tool that needs clear boundaries. He talks about using enterprise tools (like Gemini Enterprise) because they integrate with the systems he already works in, and because the risk profile matters when you're dealing with real work. He's also blunt about avoiding consumer/free models for anything involving real names or data. And then there's the deeper "guardrails" layer: deterministic wrappers, an AI control plane, monitoring tokens to prevent runaway spend, and protecting PII end-to-end. The stories land because they're not hypothetical—like the example of a customer accidentally creating massive costs, or how a single recording mistake can crush trust. A few practical takeaways that came through clearly: Treat AI output as fallible. It can accelerate summaries and planning, but it can also be wrong. Separate trust domains. Different customers/projects have different risk tolerances, so your AI usage has to reflect that. Guardrails aren't "policy." They're architecture. Determinism, monitoring, and data controls are what make AI usable in serious environments. "AI guardrails" isn't a slogan. It's a design constraint: deterministic steps where you can, visibility into cost and access, and a hard line around customer data. Forward Momentum as a career skill: tech is about people (and data) The episode doesn't stay purely tactical—it also connects forward momentum to long-term career growth. Andrew describes a common "fork in the road" for technical people: stay deeply technical (tech lead/architect), move into people leadership (SDM), or blend both in an entrepreneurial path. But the bigger point is what changed for him over time: early-career focus is "know the tech inside out," and later-career realization is "technology is all about people." That means connecting with customers, peers, and management—and understanding incentives (KPIs, value, how the business makes money). And in bonus material, he calls out a concrete 2026 skill bet: build data literacy because data is what persists—and it's what drives AI and modern software. Conclusion This "Forward Momentum" season isn't about hustle—it's about movement. When you're overloaded, the recipe is simple (not easy): communicate earlier than feels comfortable, manufacture momentum with small wins, and use AI where it helps—behind guardrails that protect trust, cost, and customer data. And if you felt like you needed a bigger notebook, you're not alone. The hosts explicitly tee this up as a multi-part conversation, with more coming. Stay Connected: Join the Developreneur Community

By now you can probably see the pattern.Strong but stiff. Powerful but fragile. Disciplined but tight.The issue isn't effort.It's how the qualities are arranged inside the workout.Most programs either:→ Separate strength and flexibility into different days → Or stack them on the same tissues at the same timeBoth create problems.This week, I want you to watch the full 4-part playlist. Because it shows the exact rule we use in UMS to fix this. Strength and flexibility in the same workout. No extra sessions. No extra time.▶️ ⁠Watch the playlist: The Strength–Flexibility Pairing Series⁠And, if you want to know what it's like to work with us, → ⁠Click here

Most speakers use social media the wrong way. They post random content, react to the news cycle, or treat their platforms like a personal diary. Then they wonder why event planners never reach out. In this episode, Sean breaks down how social media actually fits into a professional speaking business. Event planners are researching speakers online before they ever reach out. Your content, tone, positioning, and visibility all influence whether they see you as a professional speaker or someone they should avoid putting on their stage. You will learn how to position your social media profiles to attract event planners, how to search for real speaking opportunities using hashtags and platform tools, and how simple ad strategies can put your speaker reel in front of the right audience. If you want to use social media as a system for getting booked, not just a place to post content, this episode will show you how. Episode Chapters  00:00 Introduction 00:42 Why Social Media Matters for Speakers 01:30 What Event Planners Look For on Your Social Media 02:15 Why Divisive Content Can Cost You Bookings 03:05 Separating Personal and Professional Content 03:50 Why LinkedIn Should Be a Speaker's Primary Platform 04:40 Writing LinkedIn Articles to Build Authority 05:25 Using Hashtags to Find Speaking Opportunities 06:10 Searching "Call for Speakers" Posts 07:05 Running Simple Social Media Ads for Your Speaker Reel 08:00 Understanding Ad Impressions and Audience Data 09:05 Retargeting Event Planners with Facebook Pixel 10:10 Creating Simple Speaker Introduction Videos 11:10 Example Script for Reaching Event Planners 12:05 Using Video Emails to Stand Out 13:10 BombBomb Video Messaging Strategy 14:05 Stop Being Another Option and Become the Only Option 15:10 Finding Event Planner Associations 16:10 Researching Executive Directors and Decision Makers 17:05 Building Your Event Planner Lead List 18:00 Using LinkedIn and Facebook Messenger for Outreach 19:00 How to Ask for Referrals to Other Event Planners 20:00 Why This Research Is the Work Most Speakers Avoid 21:00 Social Media as a Lead Generation System 22:00 Preview of the Next Episode Key Takeaways 1. Event planners always check your social media Before they hire a speaker, they research your online presence. Your posts, tone, and professionalism influence whether they see you as credible. 2. Separate personal and professional platforms If you want to share strong personal opinions, consider keeping those on private profiles while directing event planners to professional platforms like LinkedIn. 3. LinkedIn is one of the best platforms for speakers Writing long form posts or articles about your expertise builds authority and positions you as a thought leader in your speaking category. 4. Social media can reveal real speaking opportunities Searching hashtags like call for speakers, keynote speaker, or presenter can help you discover events actively looking for speakers. 5. Small ad budgets can create visibility Running simple ads to your speaker reel can put your content in front of thousands of potential viewers, including event planners. 6. Video outreach helps you stand out Sending short personalized video messages to event planners immediately differentiates you from speakers who only send text emails. 7. Research is where most speaking opportunities are found The speakers who consistently get booked spend time researching event planners, associations, and decision makers. Resources Mentioned BombBomb video email platform LinkedIn Facebook Ads Manager Calendly  Booked and Paid Speaker Blueprint Program - www.TheSuccessCorps.com/work-with-us About the Booked and Paid Speaker Blueprint The Booked and Paid Speaker Blueprint is a system designed to help speakers consistently attract, pitch, and secure paid speaking engagements. Inside the program, speakers learn how to: Position themselves as a category expert Build a pipeline of speaking opportunities Use media and podcasts to increase visibility Pitch event planners effectively Create systems that generate consistent bookings Connect with Sean Website - The Success Corps - www.TheSuccessCorps.com Podcast - Booked and Paid Speaker Blueprint - https://www.youtube.com/@TheSuccessCorps LinkedIn - www.LinkedIn.com/SeanDouglasTEDxSpeaker Subscribe and Review If this episode helped you understand how social media fits into a speaking business: Subscribe to the podcast Leave a rating and review Share this episode with a speaker who wants to get booked and paid Your support helps more speakers escape the Invisible Speaker Trap and build a sustainable speaking career.

Would you like to get God's best for your life? Chip continues in Romans 12, and reveals how you can get God's best.Negative Command: “Do not be conformed to the pattern of this world…”Passive voiceImperativePresent tenseTranslation: Stop allowing yourselves to be molded by the influences and pressures of this present world system.Application: We are to be SEPARATE from the world's values. -1 Jn. 2:15-17Summary: The world's system seeks to SEDUCE us from our love for Christ by PLEASURE, POSSESSIONS, and POSITION.Positive Command: “…but be transformed by the renewing of your mind.”Passive voiceImperativePresent tenseTranslation: But allow God to completely change your inward thinking and outward behavior by cooperating wholeheartedly moment-by-moment with the Spirit's renewing process.Application: Are you shaped more by the WORLD or the WORD? -Mat. 4:4; 2 Cor. 3:18The means of transformation: “…by the renewing of your mind.”Renewing your mind is a continual REFOCUS of a Romans 12:1 perspective.Renewing your mind will always involve a BATTLE. Renewing your mind is a SUPERNATURAL work of the Spirit.Practical methods for “Renewing Your Mind”HEARING God's Word -Rom. 10:17Use your TIME wisely. Be in the Word.READ God's Word -Rev. 1:3STUDY God's Word -2 Tim. 2:15MEMORIZE God's Word -Psa. 119:9,11MEDITATE on God's Word -Jos. 1:8A tool for transformation: The “2PROAPT” MethodBroadcast ResourcesMessage NotesAdditional ResourcesBecome a Monthly PartnerTrue Spirituality BookTake the Real You Assessment FreeWhat Every New Believer Needs to KnowConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

Do you want to get God's best but don't know how? Chip unpacks how you can get God's very best for your life.Negative Command: “Do not be conformed to the pattern of this world…”Passive voiceImperativePresent tenseTranslation: Stop allowing yourselves to be molded by the influences and pressures of this present world system.Application: We are to be SEPARATE from the world's values. -1 Jn. 2:15-17Summary: The world's system seeks to SEDUCE us from our love for Christ by PLEASURE, POSSESSIONS, and POSITION.Positive Command: “…but be transformed by the renewing of your mind.”Passive voiceImperativePresent tenseTranslation: But allow God to completely change your inward thinking and outward behavior by cooperating wholeheartedly moment-by-moment with the Spirit's renewing process.Application: Are you shaped more by the WORLD or the WORD? -Mat. 4:4; 2 Cor. 3:18The means of transformation: “…by the renewing of your mind.”Renewing your mind is a continual REFOCUS of a Romans 12:1 perspective.Renewing your mind will always involve a BATTLE.Renewing your mind is a SUPERNATURAL work of the Spirit.Practical methods for “Renewing Your Mind”HEARING God's Word -Rom. 10:17Use your TIME wisely. Be in the Word.READ God's Word -Rev. 1:3STUDY God's Word -2 Tim. 2:15MEMORIZE God's Word -Psa. 119:9,11MEDITATE on God's Word -Jos. 1:8A tool for transformation: The “2PROAPT” MethodBroadcast ResourcesMessage NotesAdditional ResourcesBecome a Monthly PartnerTrue Spirituality BookTake the Real You Assessment FreeWhat Every New Believer Needs to KnowConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

The IEA has proposed the largest ever release of oil from its strategic reserves, with Bloomberg reporting around 300-400mln barrels to be released. Separate reporting stated that the volume in the first month of the release of oil reserves would exceed 100mln barrels. Crude rises as geopolitics show no real signs of abating; copper falls as sentiment deteriorates.European equities entirely in the red, Rheinmetall disappoints despite increased need for defence; US equity futures continue to consolidate.DXY flat heading into CPI, AUD outperforms as more banks forecast a hike next week.Hawkish ECB speak drives EGBs lower; packed UK agenda ahead.Looking ahead, highlights include US CPI (Feb), OPEC MOMR, IEA recommendation, G7 call. Speakers include ECB's Schnabel & Fed's Bowman, Supply from Germany & the US.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

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Random Thought… Southwest got rid of open seating, but there is something else they need to switch up… Plus, is Keke Palmer Terryl's soulmate? Could be based on ONE thing.Ever been somewhere and overheard two guys having a crazy conversation over random topics? Well we are those guys and we have been having these conversations since college. Do we agree on everything? Hell no, but we have fun anyway. We talk about sports, politics, pop culture, and other bs. Pour yourself a drink and listen in. Join the Club and be one of the REGULARS!https://www.youtube.com/channel/UCljhSX1EGGfI5rVAqPyaAPw/joinGet Your Merch:RGRTPod.myshopify.comThanks to our partners at Evolution Counseling Services.Therapy tailored to the client's individual needs.www.EvolCounsel.com00:00 Intro01:14 Tampa International Travel Rules11:48 Married but Separate 17:15 Would You Intervene?22:50 Ever Dated Someone You Were Ashamed Of?Subscribe and Follow on Social media:https://www.facebook.com/RGRTPodhttps://www.instagram.com/theRGRTPod

Nat'l Media , Historic EventI am BOTH a Northerner & present Washingtonian who was born after the Historic Marches for My Civil Rights to Vote, Education, Public Accommodations,Transportation & EmploymentMajor Media Nationally & Internationally covered in the Marches. Citizens & Celebrities also participated:Joan Baez, James Baldwin, Harry Belafonte, Tony Bennett, Leonard Bernstein, Sammy Davis, Jr., Billy Eckstein, Dick Gregory, Lena Home, Mahalia Jackson, William Marshall, Johnny Mathis, Nina Simone, Susan Sarandon, Pernell Roberts, Peter,Paul & Mary....My Guest is the Reverend Clarence Varner who was in Grade School when he joined the Marches for Civil Rights in the 1960's. Although it cost Him is Part-Time Job while a Teenager, He held on to his Beliefs to Stay in the Fight, even getting Arrested Several times & Tear Gassed, Cattle Prod Shocked, Attack Dogs & Fire Hosed because he stood with others to Petition the the Governor for the Right for Blacks to Vote.Rev. Clarence Varner served  The United States in the Marine Corps for 8 years & served in during Vietnam during the War , he was wounded. Today he serves his God,  Country & Community in the continued fight for Civil Rights*In 1965, Blacks could not: *go to eat, Blacks were served at the Side or Back Door.*Social Movie Theatres, & Clubs too*Schools in the South & other State were Segregated*Housing was Segregated in Much of America. Redlining was the norm.* Thriving Middle Class Black Business's in Black Communities were forced out of Business due to the Federal Highway's that were built OVER that land.* Separate water Fountains & Bathrooms*Separate Transportation on Buses & Trains, etc.* Upper Corporate Jobs were not opened to most Blacks These Marches were ignited by the Death of SCLC local Jimmie Lee JacksonWhat did Jimmie Lee Jackson accomplish?Jimmie Lee Jackson, was a Vietnam veteran, Baptist deacon, activist and martyr of the Civil Rights Movement. Jackson, active in the fight for equal rights, had tried multiple times to register to vote in Alabama and was denied each time.When Jimmie Lee Jackson saw his frail 80-year-old grandfather rudely turned away from the registrar's office in 1962 after attempting to register to vote in Marion, Ala. He knew he had to join the civil rights movement.On Feb. 18, 1965, he was among more than 200 people participating in a night march in Marion. Before they had walked a block, they were confronted by state troopers and the police chief, who ordered them to disperse.Jackson and his mother huddled for safety in a café. When Jackson's grandfather entered the café bloodied and beaten, the young man tried to take him to a hospital. But they were quickly shoved back by a crowd of club-swinging troopers and terrified marchers. Another trooper pulled his pistol and shot Jackson in the stomach. It was two hours before Jackson arrived at the hospital in Selma. He died eight days later.At one of two services for Jackson, Dr. Martin Luther King Jr. told a crowd of 2,000: “Jimmie Lee Jackson's death says to us that we must work passionately and unrelentingly to make the American dream a reality. His death must prove that unmerited suffering does not go unredeemed.”© 2026 Building Abundant Success!!2026 All Rights ReservedJoin Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASAmazon Music ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

Moving Towards TensionLeaders Make It Better "For the moment all discipline seems painful rather than pleasant, but later it yields the peaceful fruit of righteousness to those who have been trained by it." (Hebrews 12:11, ESV) True growth is painful. It comes after testing, heat, pressure, or resistance. Most people run from the pain of tension, but wisdom tells us tension is necessary if you want to keep growing. Likewise, an organization will not grow by eliminating all tension; it grows by embracing it in a healthy way. Consider this: Toyota is known for building vehicles with remarkable reliability. They consistently hold some of the highest resale values in the automotive market and are regularly recognized for longevity and durability. But Toyota did not become synonymous with quality by accident. In the decades following World War II, Japanese automakers were not globally respected. Toyota had to fight its way into credibility. Their breakthrough came when they made a radical decision to prioritize quality over speed. While many manufacturers focused on producing more cars faster, Toyota chose a different path. They developed what became known as the Toyota Production System, often referred to as Lean Manufacturing. Lean manufacturing removes unnecessary complexity. It strips away waste. It refuses to grow comfortable with inefficiency. But perhaps most remarkable is this: Toyota literally built tension into their assembly line. At the center of their system is something called the Andon system (Andon means lantern in Japanese). Running alongside the assembly line is a bright cord. At any moment, any worker, regardless of rank, can pull that cord. And when they do, the entire production line stops. Not slows down. It stops. In an industry obsessed with speed and output, Toyota empowers the person with their hands on the product to halt the entire line if they see something wrong. Why? Because they understand that small tension now, prevents catastrophic failure later. So what does that mean for us? If a company can embrace tension in a system that produces cars, why would we try to avoid it in a church that is building people? Tension is the stretch we feel when growth pulls us beyond our current comfort. It's not a sign that something is wrong; it's a sign that something needs to grow. Learning how to lean into it and use it is key. Let me give you a practical example. Since September, we've seen a significant increase in first-time guests. At the same time, I felt something was off in our follow-up systems. We're not seeing the retention I expected, so I "pulled the cord," in a manner of speaking. What we found was alarming. Systems we designed years ago are no longer adequate or effective for where we are now. We became too comfortable with automation. Our contact reads like scripts and templates. It isn't personal. It isn't surprising that we haven't received a reply to any of our texts or emails since October. It hasn't been personal; it hasn't felt real. Personal is powerful, and artificial is inauthentic. If we want God to keep sending people, we have to truly see people. Do you feel the tension? HOW TO MOVE TOWARDS TENSION 1. RECOGNIZE TOMORROW'S GROWTH REQUIRES TODAY'S PAIN Two months ago, I shared "Moving Away from Complexity." I didn't realize at the time just how timely that message would be for us. We've worked hard to move from an older version of Grace World to the healthy expression we have today. Yet this cannot be our stopping place. There is a future version of our church that is leaner and stronger than we are right now. Getting there will require the right amount of pain. We have to embrace the tension. Time under tension is the only way to produce growth. If you've been feeling tension, that's a good thing. Lean into it. Don't run from it. If you haven't been feeling tension, it's likely you're too comfortable and need to challenge yourself. Comfort says, "This is what got us here." Leaning into tension asks, "What will get us there?" • Look for your current pain points. • Find a leadership book, podcast, or coach that will stretch you. The key is to decide today that you will embrace the tension. 2. ASK, "IS IT MISSION CRITICAL?" We are not a program-driven church. We are a mission-driven church. We show people who Jesus is and introduce them to the fullness of life that He offers. We help people discover life in fullness. To do this… We Awaken hearts. We Connect in community. We Train for purpose. We Send into fullness. Everything we do should be regularly run through that filter: Does this awaken? Does this connect? Does this train? Does this send? If it doesn't clearly move someone toward life in its fullness, we must refine it or release it. A clear mission should create tension. Every program. Every event. Every activity. Every role. Each must answer the question: How is this mission-critical? • Review your events and ministries through the lens of our mission. • Look for measurable fruit. • Are you duplicating efforts? • Where are you doing too much? • Make sure you and your team know exactly how this moves the mission forward. Remember, clarity of mission protects our calling. 3. MAKE FEEDBACK YOUR FRIEND Every member of this team needs to be able to pull on the rope. You see things we can't see. We cannot fix or refine what we refuse to see. Invite them into the feedback loop. We depend on an amazing team of pastors, campus staff, group leaders, and Kids and Student leaders. It takes teamwork to make this dream work. When was the last time you invited feedback or felt that yours was truly welcome? Normalize post-event debriefs: • What worked? • What didn't? • Where was there confusion? • What was missing? • Schedule regular check-ins with key teams and leaders. • Invite input before making major adjustments. • Ask, "What are you seeing that we are missing?" • Reward their honesty, not just their harmony. A lack of feedback usually means we've grown comfortable. You have to challenge the system. 4. HAVE THE HARD CONVERSATIONS You cannot move a team or organization forward without embracing hard conversations. These are the conversations that challenge the status quo while moving us toward the mission. Avoiding these conversations may protect your comfort, but having them protects our culture.• Separate identity from assignment. • Anchor the conversation in our vision and values. • Remember, the first goal of communication is clarity. • Land on clear action steps. If we know our vision and live out our values, we already have a framework for every hard conversation. It's built into the culture. Pull on the rope! SHARPING THE EDGE If we want to stay sharp as a church, as leaders, and as a team, we cannot run from tension. We must lean into it. The right kind of tension is not a threat to our culture; it is proof that we care enough to grow. So here is the action step: pull the cord. This week, identify one area where something feels "off" in your ministry, your systems, or even in yourself and address it directly. Don't ignore it. Don't normalize it. Lean into it. Remember, leaders make it better. And sometimes making it better means embracing the friction that sharpens us.

As a kid growing up in the suburbs of Melbourne, sport was the soundtrack for Hugh van Cuylenburg’s childhood. That deep, visceral connection to sport looks different since Hugh founded The Resilience Project, but the lessons of sport continue to inform every aspect of his life. “I experienced shocking burnout. I wouldn’t have got through it all without track. There’s no way. I feel like [sport is] almost petrol. I feel when my tank is empty. I go the track and I fill up and go; I’m good now,” he says. And the broader opportunity for sport? To be the place where neurodiverse, or people with a disability, or just the less talented can also be involved. +++ Sportish is powered by the Australian Sports Commission and produced by Deadset Studios. We’re spotlighting Australia’s sport participation strategy Play Well. You can find more resources at ausport.gov.au/playwell. Hugh van Cuylenburg is the founder of The Resilience Project and a co-host on The Imperfects. This episode was hosted by Libby Trickett and Georgie Trickett, produced by Luci McAfee with sound design by Melissa May. The Executive Producers are Kellie Riordan and Sarah Dabro. Ann Chesterman is the Production Manager. We acknowledge the Traditional Custodians of the land on which this podcast was made. We pay our respects to Elders past and present. We also recognise the outstanding contribution that Aboriginal and Torres Strait Islander peoples make to sport and celebrate the power of sport to tell stories and promote reconciliation. See omnystudio.com/listener for privacy information.

What does it actually take to build a business that performs at the highest level? In this episode, I share the mindset shifts and performance standards I see among entrepreneurs who build multi-7-, 8-, and 9-figure companies. I break down the 5 traits that separate average founders from championship-level performers, especially when things get hard, uncertain, or uncomfortable. Get ready to raise the standard for what you expect from yourself and your business.   HIGHLIGHTS What elite performers understand that most entrepreneurs overlook. The leadership shift that instantly changes your team's performance. The decision-making habit that separates fast scaling founders from stuck entrepreneurs. The preparation standard required to compete at higher levels. How top performers bounce back quickly after setbacks. Why most entrepreneurs ask for advice but never execute it.   RESOURCES Apply for the Elite Entrepreneur Mastermind HERE Join the most supportive mastermind on the internet - the Mentor Collective Mastermind! Make More Sales in the next 90 days - GET THE BLUEPRINT HERE! Check out upcoming events + Masterminds: chrisharder.me Text DAILY to 310-421-0416 to get daily Money Mantras to boost your day.   FOLLOW Chris: @chriswharder Frello: @frello_app

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

God is Love. Love is from Him and it is because of Him that we can love. Yet, as deep as our love may be for others, His love for us is even more powerful, so that nothing and no one can separate us from Him. Not even ourselves. His love is even, unwavering, without interruption. As you listen today, let Him love you and show you why He loves you so much.Daylight Meditations is a daily podcast from CFO North America. Please visit CFONorthAmerica.org to learn more about our retreats, and online courses. If you are encouraged by this podcast, please consider supporting us. Contributors: Michelle DeChant, Adam Maddock, and Christine Mauriello

Romans 8:31

What does living like a Christian really mean? How do the day-to-day, rubber meets the road, "what am I supposed to do now?" questions get answered when circumstances leave an honest person really struggling? Chip shares that God has a dream for you - yes, you - and as incredible as that idea sounds, Chip explains what that means.5 Key Relationships:Relationship with God: SURRENDERED to God -Romans 12:1Relationship with the world: SEPARATE from the World -Romans 12:2Relationship with yourself: SOBER in Self-Assessment -Romans 12:3-8Relationship with believers: SERVING in Love -Romans 12:9-13Relationship with nonbelievers: SUPERNATURALLY Responding to Evil with Good -Romans 12:14-21Warning – Romans 12 is not a “try-hard” moral code to live up to, but a faith response to what God has already done for us.Romans 1-3: SIN - Our problem that separates us from God.Romans 4-5: SALVATION - God's solution in the work of Jesus Christ on the cross.Romans 6-8: SANCTIFICATION - Living your new life in God's power and growing progressively in Christ-likeness.Romans 9-11: SACRIFICE - Living in confidence because God is in control and keeps all His promises…Broadcast ResourcesMessage NotesAdditional ResourcesBecome a Monthly PartnerTrue Spirituality BookTake the Real You Assessment FreeWhat Every New Believer Needs to KnowConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

What does living like a Christian really mean? How do the day-to-day, rubber meets the road, "what am I supposed to do now?" questions get answered when circumstances leave an honest person really struggling? Chip shares that God has a dream for you - yes, you - and as incredible as that idea sounds, Chip explains what that means.5 Key Relationships:Relationship with God: SURRENDERED to God -Romans 12:1Relationship with the world: SEPARATE from the World -Romans 12:2Relationship with yourself: SOBER in Self-Assessment -Romans 12:3-8Relationship with believers: SERVING in Love -Romans 12:9-13Relationship with nonbelievers: SUPERNATURALLY Responding to Evil with Good -Romans 12:14-21Warning – Romans 12 is not a “try-hard” moral code to live up to, but a faith response to what God has already done for us.Romans 1-3: SIN - Our problem that separates us from God.Romans 4-5: SALVATION - God's solution in the work of Jesus Christ on the cross.Romans 6-8: SANCTIFICATION - Living your new life in God's power and growing progressively in Christ-likeness.Romans 9-11: SACRIFICE - Living in confidence because God is in control and keeps all His promises…Broadcast ResourcesMessage NotesAdditional ResourcesBecome a Monthly PartnerTrue Spirituality BookTake the Real You Assessment FreeWhat Every New Believer Needs to KnowConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

In this episode of The Ross Simmonds Show, Ross breaks down five underrated career strategies that quietly separate high performers from everyone else. From investing in yourself without permission to thinking in decades instead of quarters, this is a tactical blueprint for anyone serious about long-term growth. If you're playing the long game in your career, this episode gives you the mindset and structure to win it. Key Takeaways and Insights: 1. Invest in Yourself (Without Waiting for Permission) - Stop waiting for HR or leadership to approve your growth. Identify your skill gaps and proactively close them. Books, courses, and communities offer massive ROI over time. Treat self-education as an investment, not an expense. 2. Take On the Projects No One Else Wants - Volunteer for high-visibility, low-competition initiatives. - Align yourself with projects leadership cares about. - “Messy” projects often create the biggest breakthroughs. - Growth lives where others hesitate. 3. Close Skill Gaps Before They Cost You Opportunities - Be honest about where you're weak (public speaking, strategy, tools, etc.). - Build deliberate practice into your routine. - Don't stay passive while others outpace you. - Small improvements compound into major career leverage. 4. Build a Body of Work Outside Your Job - Your employer doesn't own your expertise. - Publish ideas on LinkedIn, newsletters, GitHub, podcasts, or blogs. - Contribute to communities and become known for value. - Visibility creates opportunity especially in uncertain markets. 5. Find a Mentor Who Tells You the Truth - You don't need a cheerleader, you need critique. - Ask for blunt, honest feedback about your blind spots. - Growth accelerates when your thinking is challenged. - Seek mentors internally, externally, or both. 6. Join Rooms Where Serious People Talk About Real Problems - Surround yourself with ambitious peers. - Learn by observing how others solve complex challenges. - Communities can act as informal coaching ecosystems. - Exposure to higher standards raises your own. 7. Think in Decades, Not Quarters - Define the skills, reputation, and life you want in 10 years. - Reverse-engineer what you need to invest in today. - Systems beat short-term hustle. - Long-term clarity drives better short-term decisions. —

(SHOW OPEN): Darren Mougey hasn't done enough to separate himself from Aaron Glenn.

Scripture says that the Creator of the universe knows you and longs to have a relationship with you. He has a dream for your life! Would you like to know what God's dream for your life is? Chip explores Romans chapter 12 to find the answer to that question.5 Key Relationships:Relationship with God: SURRENDERED to God -Romans 12:1Relationship with the world: SEPARATE from the World -Romans 12:2Relationship with yourself: SOBER in Self-Assessment -Romans 12:3-8Relationship with believers: SERVING in Love -Romans 12:9-13Relationship with nonbelievers: SUPERNATURALLY Responding to Evil with Good -Romans 12:14-21Warning – Romans 12 is not a “try-hard” moral code to live up to, but a faith response to what God has already done for us.Romans 1-3: SIN - Our problem that separates us from God.Romans 4-5: SALVATION - God's solution in the work of Jesus Christ on the cross.Romans 6-8: SANCTIFICATION - Living your new life in God's power and growing progressively in Christ-likeness.Romans 9-11: SACRIFICE - Living in confidence because God is in control and keeps all His promises…Broadcast ResourcesMessage NotesAdditional ResourcesBecome a Monthly PartnerTrue Spirituality BookTake the Real You Assessment FreeWhat Every New Believer Needs to KnowConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

Becoming a Romans 12 Christian, is the keystone teaching of Living on the Edge. It is the heartbeat of all we do and what we are about. If you're just dipping your toe in the water of "spirituality," Chip will engage you. If you don't yet have saving faith in Jesus, Chip will help you know why your eternity rests on it. If you do, he will untangle some of the issues you still struggle with and spur you on to a deeper, more fulfilling, commitment.5 Key Relationships:Relationship with God: SURRENDERED to God -Romans 12:1Relationship with the world: SEPARATE from the World -Romans 12:2Relationship with yourself: SOBER in Self-Assessment -Romans 12:3-8Relationship with believers: SERVING in Love -Romans 12:9-13Relationship with nonbelievers: SUPERNATURALLY Responding to Evil with Good -Romans 12:14-21Warning – Romans 12 is not a “try-hard” moral code to live up to, but a faith response to what God has already done for us.Romans 1-3: SIN - Our problem that separates us from God.Romans 4-5: SALVATION - God's solution in the work of Jesus Christ on the cross.Romans 6-8: SANCTIFICATION - Living your new life in God's power and growing progressively in Christ-likeness.Romans 9-11: SACRIFICE - Living in confidence because God is in control and keeps all His promises…Broadcast ResourcesMessage NotesAdditional ResourcesBecome a Monthly PartnerTrue Spirituality BookTake the Real You Assessment FreeWhat Every New Believer Needs to KnowConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

The hardest part of parenting isn’t managing our kids. It’s facing ourselves. This week, a heated family moment revealed something uncomfortable — our children often mirror the very behaviours we struggle with. Defensiveness. Blame. Excuses. Denial. And when we see it in them… it’s confronting. In this honest Friday “I’ll Do Better Tomorrow” episode, we unpack emotional reactivity, accountability, and the power of repairing quickly. Plus, a Brisbane GP’s email sparks an important conversation about ADHD diagnoses, medication culture, and why more labels aren’t fixing our kids. This one goes deep — into marriage, parenting, and the courage to own our part. KEY POINTS: Why kids’ behaviour can be a mirror to our own unresolved habits The difference between ownership and blame How defensiveness blocks connection Why quick repair strengthens relationships A GP’s concerns about rising ADHD diagnoses and medication culture The parenting skill we’re rapidly losing: backing ourselves QUOTE OF THE EPISODE: “If we do dumb things, can we forgive each other and move on and be better as a result of it? That’s literally all that matters.” RESOURCES MENTIONED: Searching for Normal by Sami Timimi Happy Families Podcast happyfamilies.com.au ACTION STEPS FOR PARENTS: When conflict flares, ask: What part of this is mine? Model ownership out loud — let your kids hear you apologise. Separate accountability from self-blame. Own your part, not theirs. Repair quickly. Don’t let pride extend disconnection. Back yourself. Not every struggle needs a label or prescription. See omnystudio.com/listener for privacy information.

Geeta Gandbhir has made history as the first woman to receive Academy Award nominations for both Best Documentary Feature (for The Perfect Neighbor) and Best Documentary Short (The Devil Is Busy) in the same year. The Perfect Neighbor looks at the case of a 35-year-old Black mother of four who was fatally shot in 2023 by her white neighbor. The Devil Is Busy chronicles a day on the frontlines in the battle for reproductive rights at a women's healthcare clinic in Atlanta, Georgia.

(00:00) — Late to medicine: Chris didn't consider being a doctor until college, shaped by early family experiences with inadequate care.(01:20) — Struggling student to UC Davis: He describes a nontraditional path and surprise at earning a single college acceptance.(02:50) — “You won't amount to much”: A sixth-grade dismissal and falling in with the wrong crowd set the stage.(04:40) — Misdiagnosed and othered: Labeled with severe ADD, placed in special education, later correctly diagnosed with a comprehension disability.(06:25) — Not going the other way: He credits his mother's advocacy and a teacher, Mr. Russell, for keeping him engaged.(09:00) — College reset and new peers: A friend shares MD-PhD resources and expands his horizon.(10:35) — Outreach program to research home: A scholars program places him in a lab with a PI for four formative years.(11:50) — On DEI and mentors: He reflects on access programs and the impact of Dr. Connie Champagne.(13:50) — First OR spark: Shadowing an orthopedic surgeon shows him the excitement of patient care beyond pipetting.(15:40) — Sustaining motivation: Reframing medicine as a currency for service and asking who do I want to be?(17:50) — Community and advocacy: He discusses serving Indigenous communities and advocating on the Hill for GME in Indian country.(20:50) — Crafting the Why: How deep reflection and post-it mapping shaped his personal statement.(21:55) — Why MD-PhD: An MD-PI at a summer program shows how medical training sharpens research questions.(23:30) — First interview relief: Landing an invite during the COVID cycle felt like validation.(24:45) — Strategy and scope: 23 applications, West Coast focus, MSTP and non-MSTP programs.(26:00) — Coherence wins: A clear why plus tangible research output made his application click.(27:45) — Multiple acceptances: He recalls the emotions of earning 9–10 offers.(28:40) — To students doubting themselves: Separate self-worth from others' opinions and keep going.(31:20) — What's next: Interest in dermatology residency and leading a lab studying skin disease mechanisms.Chris never planned on medicine. Growing up in Southern California, he saw family members with preventable disease go uncared for, struggled in school, and was misdiagnosed with severe ADD in middle school before a later diagnosis of a comprehension disability. After being told in sixth grade he wouldn't amount to much, a continuation school, his mother's advocacy, and a teacher's attention kept him afloat.At UC Davis, an outreach email changed everything, placing him in a lab for four years and opening the door to both science and medicine. A friend introduced him to MD-PhD resources, and shadowing an orthopedic surgeon turned interest into excitement. Chris shares how he built an enduring motivation by reframing medicine as a currency for service, with a commitment to community, including Indigenous communities.He breaks down the hardest premed task—articulating Why Medicine—and the post-it exercise that helped him find a coherent thread. Applying during the first COVID cycle, he earned 16 interview invites and 9–10 acceptances by presenting a clear why and tangible research work. We also discuss advocacy for more GME positions in Indian country and his interest in dermatology and leading a lab.If you've ever been told you won't make it, this conversation offers practical ways to keep going.What You'll Learn:- How a misdiagnosis and school setbacks were addressed and reframed- Ways to access research and mentorship through outreach programs- A practical method to build a coherent Why Medicine- What made his MD-PhD application make sense and earn 16 interviews- Using community and advocacy to sustain motivation

Geeta Gandebhir has made history as the first woman to receive Academy Award nominations for both Best Documentary Feature (for “The Perfect Neighbor”) and Best Documentary Short (“The Devil is Busy”) in the same year. “The Perfect Neighbor” looks at the case of a 35-year-old Black mother of four, who was fatally shot in 2023 by her white neighbor. “The Devil is Busy” chronicles a day on the frontlines in the battle for reproductive rights at a women's healthcare clinic in Atlanta, Georgia.

Send a textIf you're banking on raw talent to carry you, this conversation will feel like a wake-up call. We break down the real separator in high school baseball—consistency—and show how it outperforms flash, hype, and one big showcase swing. From running out grounders during a slump to throwing intent-filled bullpens when no one's filming, we draw a straight line between boring, repeatable habits and the trust that earns roles, innings, and opportunities.We also go straight at excuses. Umpires, weather, lineups, and “bad hops” make easy targets, but every excuse hands away your power. Instead, we focus on the controllables: effort, preparation, attitude, and response. You may not control playing time, but you own how you train when your name isn't called. You can't erase mistakes, but you decide whether they define you or sharpen you. High school is where these patterns form, and college coaches can spot the difference between accountability and blame from a mile away.Finally, we unpack what coachability really means. It isn't silence or people-pleasing; it's openness to instruction and the humility to apply feedback when it stings. Selective learners only accept coaching that feels good—and they plateau. The players who last hear a correction, say “Got it, coach,” and go right back to work. We close with a clear standard you can use today: be consistent when it's boring, take ownership when it's hard, and stay coachable when pride gets loud. Do these long enough and the results take care of themselves—on the field and in life.If this hits home, subscribe, leave a review, and share it with a teammate who's ready to own their development.Support the show Follow: Twitter | Instagram @Athlete1Podcast Website - https://www.athlete1.net Sponsor: The Netting Professionals https://www.nettingpros.com

There's a lot to unpack down here.   We encourage you to check out our Patreon and/or Ko-Fi, as they've got sweet sweet benefits and also you can help support your favorite show. AND Our Store is a thing, with all your t-shirts, tote bags, stickers and more!   Background music and sound effects: Feast of Crispian, and Dungeon II Mechanical Tabletop Audio https://tabletopaudio.com   Catoptricon Zak     Email us at PodAgainsttheMachine@gmail.com Remember to check out https://podagainstthemachine.com for show transcripts, player biographies, and more. Stop by our Discord server to talk about the show: https://discord.gg/TVv9xnqbeW Follow @podvsmachine on Bluesky Find us on Reddit, Instagram, and Facebook as well.  

Chances are, that you are already abundantly aware that too much of your worth is attached to your body. Maybe...Your mood changes depending on the number on the scaleYou feel more confident on “good body” days and want to hide on “bad” onesYou believe you'll finally feel worthy once you lose the weightYou postpone photos, dating, trips, clothes… until you look differentCompliments about your body feel like they give you lifeCriticism about your body feels like a punch to the gutAnd underneath all of that, there's this quiet belief: “If my body isn't good enough, I'm not good enough.”This can feel like an incredibly difficult belief to dismantle, especially because it's likely been your driving force for years - or even decades. You could try affirmations all day long, and a thousand people could repeat the phrase "your body is the least interesting thing about you", and yet... that honestly doesn't really help. The sentiment is nice, but at the end of the day, you still feel like your body changing is the worst thing that could ever happen to you. So the natural question is :"how the heck do you ACTUALLY detach your worth from your body?"...in a way that works. That's what we're talking about in this episode. First, we're going to look at the ways in which this belief is actually getting in the way of your goal - which is to create a life of health, happiness, peace, joy and fulfilment. So...we have to rewire that.And then, we're going to talk about how to actually separate your worth from your body: recognizing that your value as a human being is inherent and unchanging, regardless of your size, shape, weight, or how your body looks on any given day.This is suchhhhh a good one! So let's get into it

If you own a 1–2 location med spa and want the option to scale or sell in the next 3–5 years, this episode breaks down what actually makes an aesthetics practice valuable — beyond surface-level revenue growth.  Strong revenue alone does not make your med spa sellable. Buyers care about predictability, repeatability, clean financials, and reduced owner dependency. In this episode, I'll explain what private buyers, partners, and lenders really evaluate when assessing the enterprise value of a medical spa.    Common Mistakes that Lower Your Med Spa's Enterprise Value  Whether you're years away from selling or just want to increase your business value, this episode will help you focus on the core elements that make your business not just worth running—but worth buying.   Even profitable, cash-flowing med spas can struggle to sell if:  Financial reporting isn't clean EBITDA isn't normalized The owner is still the bottleneck Systems aren't documented Growth depends on personality rather than process  Enterprise value determines whether your growth is transferable and durable.    From Owner-Dependent to Sellable Med Spa: A CFO's Perspective  You'll learn how to shift your mindset from emotional attachment to your work towards making smart, strategic, and financially sound decisions that attract the right buyers. From building clean financial infrastructure to understanding the importance of normalized EBITDA, I'm sharing real-world examples and reasoning, including why presenting trustworthy financials and reducing owner-dependency can make or break a potential sale.   Listen for these 6 key insights:  The difference between owner-dependent profit and institutional profit Why EBITDA normalization matters when selling a med spa How personal expenses distort financial optics Why clean financial infrastructure builds buyer trust How tax strategy can impact your exit valuation What buyers look for in multi-location aesthetic practices    Action Steps for Scaling and Selling Your Aesthetic Practice  If selling — or scaling — is even a remote possibility in the next 3–5 years:  Ensure your books are clean and up to date for at least 3 years Separate personal expenses from business operations Normalize revenue and expenses to reflect true operating profit Evaluate owner dependency in day-to-day operations Document SOPs for treatment delivery, leadership reporting, and financial processes Assess whether your med spa could operate without you for 60–90 days  If your practice cannot function without you, you've built an income stream — not an asset.    Thinking About Opening Another Location?   "The best thing you can do when you're exploring a transaction with a potential buyer is to establish trust through clean financials, establish that trust that they have reliable data they're working off of, and then everything else is seamless." - Shannon Weinstein    Before expanding, ask:  Are your current economics repeatable? Is your EBITDA consistent and defensible?  Could a second location follow the same financial blueprint?  Scaling without institutional structure multiplies risk. Scaling with documented systems multiplies enterprise value.    Financial Strategies to Prepare Your Aesthetics Business for Sale  If you want to evaluate whether your med spa is positioned for scale or exit, start with the Financial Scaling Playbook for Aesthetics. Get it today: www.keepwhatyouearn/playbook  This free 5-part video series walks you through:  Offer profit Operating margin Cash flow management Customer lifetime value Enterprise value readiness      Follow Shannon & Keep What You Earn:   Shannon Weinstein is the founder of a fractional CFO firm specializing in helping 7-figure aesthetics and wellness practices scale with clarity, cash flow, and confidence. Host of the "Keep What You Earn" podcast, Shannon provides practical financial insights and strategies for business owners looking to build truly valuable and sellable practices. She breaks down what it means to create a business buyers will pay a premium for—going beyond surface-level metrics to address the essential financial building blocks. Shannon is committed to helping med spa owners understand, fix, and maximize their business's enterprise value, offering actionable advice and resources, including a popular free video series specifically for aesthetics practice owners.   Fractional CFO Services and Executive Financial Review: https://www.keepwhatyouearn.com/  Connect with Shannon: https://www.linkedin.com/in/shannonweinstein  Watch full episodes: https://www.youtube.com/@KeepWhatYouEarn  Listen on your favorite podcast app: https://pod.link/1580071347  Instagram: https://www.instagram.com/shannonkweinstein/    The information shared is for educational purposes only and is not individualized financial advice. Aesthetics practice owners should consult a qualified professional before implementing financial strategies discussed here. 

It’s the parenting trend everyone’s talking about — and it might be doing more harm than good. “FAFO parenting” (mess around and find out) is being framed as the antidote to gentle parenting. Tougher. Harder. No-nonsense. Let kids face the consequences and toughen up. But here’s the problem: when parenting swings from one extreme to another, kids don’t get stronger — they get disconnected. In this episode, Dr Justin Coulson unpacks where FAFO parenting came from, why it’s exploding across media in the UK, US and Australia, and what it reveals about our cultural moment. Most importantly, he explains why harsh, hands-off “let them learn the hard way” parenting quietly erodes the very thing children need most: security and connection. If you’re feeling burnt out, frustrated, or tempted to go hardline — listen before you do. KEY POINTS FAFO parenting is a backlash against years of gentle, emotion-focused parenting influenced by thinkers like John Gottman. Parenting trends swing like pendulums — but extremes rarely serve children well. “Mess around and find out” often carries an implicit threat and emotional withdrawal. There’s a difference between natural consequences and punitive, emotionally distant parenting. Children need security, predictability, and autonomy support — not harsh detachment. Connection builds resilience. Disconnection breeds defiance or insecurity. You can hold firm boundaries without being cold or cruel. QUOTE OF THE EPISODE “FAFO breaks the connection. And connection is the heart of what makes families tick.” RESOURCES MENTIONED Raising an Emotionally Intelligent Child – John Gottman Parenting ADHD Course – happyfamilies.com.au ACTION STEPS FOR PARENTS Pause before you punish. Ask: Am I teaching — or reacting? Use natural consequences wisely. Stay warm and present while holding the boundary. Make rules collaboratively where possible. Autonomy increases buy-in. Separate emotions from behaviour. Validate feelings, guide choices. Protect the relationship first. Correction works best when connection is strong. See omnystudio.com/listener for privacy information.

☎️ Schedule a Business Evaluation Call with The Construction Leading Edge Team HERE – EPISODE 433: Construction business owner buried in reactive mode, watching your business grow while your stress grows with it? Working 60+ hour weeks, stressed about profit, team management, and scaling your construction company… and still feeling behind? If that hits a little too close to home, this episode is for you. Most construction business owners who feel overwhelmed assume they need more people, better software, or tighter time management. But that's rarely the issue. What's really happening is that you've outgrown the current design of your business, and more effort will only increase stress instead of freedom. In this episode of The Construction Leading Edge Podcast, I break down the five decisions that determine whether growth creates real freedom or a larger, more chaotic operation. I talk about eliminating root cause problems, designing around results, and systematizing your construction business so you stop being the bottleneck. You don't need to work harder. What got you here won't get you there. If you want to scale, it's time to redesign the system.

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!1) Overspending is the norm… and shame is lying to usA lot of people walk around thinking:“I'm terrible with money.”“I can't do math.”“I have no discipline.”But y'all… that's not the real issue. The real issue is not knowing what's safe to spend in the moment. So we guess. And guessing gets expensive.2) The rebellious spending spiral is realWhen we feel like we never have money, we get that “fine, whatever, future me can deal with it” energy:drain the accountswipe the cardturn it into a later problemSeparate accounts remove that fight because there's nothing to rebel against—you already planned for spending.3) Separate accounts = micro-decisions, not daily math OlympicsInstead of:“Did we pay rent?”“Do we have grocery money?”“Can I go to Target or will I regret it?”You get:Spending account balance = what you can spend. Period. That's the whole decision. That's the freedom.4) Replenishment changes your brain (and your habits)When your spending money gets refilled every paycheck (or weekly transfer), it stops feeling like:“now or never” and starts feeling like:“I can spend, and it's coming back.”That's why people naturally spend less without doing a bunch of willpower tricks.5) Tracking culture is exhausting and unnecessary hereSome systems want:receiptscategories tracked to the pennyapps yelling at you like you're grounded

Cover 2 with Blaine and Zach - Hour 1 - Overall Combine Takeaways + Sonny Styles & Jeremiyah Love Separate ThemselvesSee omnystudio.com/listener for privacy information.

Inside a Quiet Combine Day for the Lions Jeff Risdon checked in live from Indianapolis on the Detroit Lions Podcast. Thursday at the 2026 NFL Scouting Combine brings the first on-field work across the street. Wednesday was lighter. For the Detroit Lions, it was mostly defensive podium sessions. Useful, but limited. You learn how prospects communicate. You hear how they talk football. You watch poise and clarity. You do not get many hard answers. What Detroit Looks For in Combine Meetings The NFL churns on the question, did you meet with the Lions? It is a weak tell. Teams meet for different reasons. The Detroit Lions use those rooms to learn the person. Competitiveness. Ability to be coached. How a player meshes with coaches. The whiteboard matters, but less than with some clubs that grill pure X's and O's. Others will demand a defensive tackle recite gap fits from a specific snap. Detroit more often probes mindset and fit. Do not overread formal versus informal. Kirby Joseph had only an informal visit at the Combine and left thinking the Lions were not all that interested. He became a Detroit Lion anyway. There is also a player from this regime who was drafted with no Combine meeting at all. On the flip side, a prospect two drafts ago helped himself with a strong interview. The door swings both ways. Timing matters too. Podium appearances happen before many meetings. Prospects stay in town through workouts. A player who says he has not met Detroit yet on Wednesday might sit down with them Thursday night. Keep that context in mind when the meeting lists hit social media. Kelvin Shepherd's HC Interview Was Real One media session cut through the noise. The Dolphins GM discussed their head coach search after moving on from Mike McDaniel. Detroit Lions defensive coordinator Kelvin Shepherd interviewed for that job. Some dismissed it as a box-check. The GM made it clear Shepherd was a serious candidate. That resonates in Indianapolis. It reflects how league decision-makers view Detroit's staff after back-to-back ascents. It also underscores why interviews at this NFL event are about people as much as plays. There is broader chatter. Miami's situation drew side-eye. Questions linger about Tua. There was even speculation about who will play quarterback for the New York Jets. Kyler Murray's name came up. It is not a great year to need a quarterback. None of that changes Detroit's plan this week. Watch. Learn. Separate signal from noise. The Combine is about stacking small edges. The Lions are sticking to it. #detroitlions #lions #detroitlionspodcast #nflscoutingcombine #indianapolis #podiuminterviews #formalmeeting #informalvisit #whiteboardx'sando's #defensivetackle #abilitytobecoached #kirbyjoseph #dolphinsgm #mikemcdaniel #tua #kylermurray #newyorkjetsquarterback #kelvinshepherdheadcoachinterview Learn more about your ad choices. Visit megaphone.fm/adchoices

The Rise of Replacement Theology and Anti-Jewish Propaganda | KWR-0057 Kingdom War Room Episode Description In this Kingdom War Room roundtable, Dr. Michael Lake is joined by Dr. Mike Spaulding, Dr. Corby Shuey, and Dr. Justin Elwell for a sober, Scripture-centered discussion on replacement theology (supersessionism)—its historical roots, its modern resurgence, and why it fuels dangerous anti-Israel rhetoric in our day. We address: how supersessionism was codified historically and how it continues to shape today's conversations why God's covenants (especially the Abrahamic) are foundational to understanding the entire Bible the warning of Romans 11 and the inconsistency of claiming "Israel is replaced" while still appealing to Israel in end-times frameworks why "unhitching" from the Old Testament throws away the very definitions that make the New Testament intelligible the difference between critiquing a government's policies and condemning an entire people why the remnant must return to the Word of God—with God's definitions—if we're going to stand faithfully in the days ahead