Podcasts about separating

In this episode, we are joined by Shannon Lee Simmons—Certified Financial Planner, Chartered Investment Manager, bestselling author, and founder of the New School of Finance—for a wide-ranging conversation about the emotional side of money. Drawing on more than two decades of working directly with Canadians, Shannon explains why financial stress has become so pervasive, how social comparison shapes spending habits, and why a well-built financial plan can be one of the most powerful antidotes to money anxiety. We also explore decision-making during financial crises, the psychology of regret, why traditional budgeting often fails, and how couples navigate money differently—particularly in retirement. Shannon shares practical frameworks for aligning spending with personal values, avoiding emotional financial mistakes, and helping households make confident decisions through life's biggest transitions. Key Points From This Episode: (0:03:56) Why people worry about money—and why financial uncertainty often feels like uncertainty about life itself. (0:04:24) Why so many middle- and upper-income Canadians still feel broke despite earning good incomes. (0:05:18) The importance of having a financial plan and reducing harmful social comparison. (0:06:55) How social media fuels overspending, comparison, and "financial dysmorphia." (0:08:35) Why cashless spending has fundamentally changed our relationship with money. (0:11:52) How perceived life milestones—especially home ownership—shape financial decisions and expectations. (0:13:36) Practical ways to manage financial stress, restore confidence, and build resilience. (0:15:55) The growing "spending arms race" and how rising expectations have redefined what's considered normal. (0:18:09) Why Shannon dislikes traditional budgeting—and what to do instead. (0:20:32) Her four-bucket framework for worry-free spending and maintaining financial flexibility. (0:22:35) A practical test for deciding whether a large purchase is truly affordable. (0:25:01) Aligning spending decisions with personal values using an "emotional return on investment." (0:28:12) Helping couples navigate different financial priorities without turning disagreements into conflict. (0:30:28) Separating good decisions from bad outcomes to overcome financial regret. (0:33:48) The major financial decision crises people commonly face—from divorce to illness to retirement. (0:35:16) Using "micro financial plans," guardrails, and scenario planning during periods of uncertainty. (0:37:45) The three phases of a financial decision crisis and how planners can help through each stage. (0:41:41) Why retirement often reveals differences in couples' relationships with money that never surfaced while saving. (0:45:19) The psychological challenge of withdrawing from investment portfolios after decades of accumulation. (0:46:41) Using cash wedges and realistic retirement projections to reduce anxiety around spending in retirement. (0:49:42) How saver-versus-spender dynamics can evolve into power struggles during retirement. (0:53:12) The question almost every client is really asking: "Am I going to be okay?" (0:54:41) Why planners should ask about clients' hidden DIY investment accounts. (0:56:21) The risks of becoming emotionally attached to concentrated investment gains. (0:57:16) The most impactful parts of a financial plan: realistic spending projections and actionable next steps. (0:58:25) How often financial plans should be updated—and when life events require immediate revisions. (1:01:08) Who benefits most from fee-only planning and who may be better served with ongoing advice. (1:07:00) Why implementation—not recommendations—is often the hardest part of financial planning. (1:10:00) The strengths and trade-offs of fee-only planning versus assets-under-management advice models. (1:15:05) Shannon's advice for improving financial well-being: build a plan, focus on your own values, and stop comparing yourself to everyone else.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Shannon Lee Simmons – https://shannonleesimmons.com/  New School of Finance – https://www.newschooloffinance.com/  Worry-Free Money – https://www.amazon.ca/Worry-Free-Money-guilt-free-approach-managing/dp/1443454451  Making Bank: Money Skills for Real Life – https://www.amazon.ca/Making-Bank-Money-Skills-Real/dp/1443469815    Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)   

  Confidence and arrogance can look identical from the outside. George Barrios has spent a career in rooms where the difference mattered, from running a semiconductor division at 29 to co-leading a $20 billion merger between WWE and UFC. His book, Sometimes Wrong, But Never in Doubt, started as a phrase buried in a performance review and grew into a full operating philosophy about where real conviction comes from. The answer is less inspiring than most people want to hear, and more actionable than most people expect. In this episode you’ll learn: What “chip on shoulder equals chips in pocket” means to founders (2:29) How early circumstances shape a lifelong drive to prove something (3:38) How a career spanning Praxair, WWE, and global sports investment came together (5:45) Where the title “Sometimes Wrong, But Never in Doubt” actually came from (8:47) The difference between confidence earned through deep work and false bravado (13:18) What conviction looks like in practice when pressure hits (17:09) How to treat failure as a signal rather than a verdict (20:27) What separates smart risk from recklessness (24:24) Why doing work you are naturally good at changes everything (27:31) “To get through that, you need to do the work that drives the conviction to push through.” – George Barrios Keep Learning If George’s point about deep work as the foundation of leadership conviction resonated, the School of Leadership offers structured ways to build that same discipline in yourself and your team. Learn More About School of Leadership at https://www.gembaacademy.com/leadership Podcast Resources George’s Website Get All the Latest News from Gemba Academy Stay current on new courses, podcast episodes, and continuous improvement resources. Sign up for the Gemba Academy newsletter at gembaacademy.com/news What Do You Think? When you look at the leaders around you who project strong conviction, can you tell whether it comes from deep preparation or from something else entirely?

75% and 75. That's what I want you to focus on. This is the recipe for a 7-Figure Book of Business. In this podcast episode host Charles Specht will talk about the 75% activity level you need for prospecting as well as creating a list of no less than 75 referral partners. Imagine what your agency or Book of Business would look like if you had 75 COI's referring accounts to you non-stop! Key Topics: Spending 75% of golden hours on active prospecting, not service work Separating prospecting from admin tasks like apps and CRM updates Producers who don't prospect are just account managers Building a dedicated COI prospect list alongside your primary prospect list Why veteran producers get inbound referrals - and how to replicate it intentionally Targeting non-insurance vendors in your niche as COI relationships Reaching out to COIs with a no-sell, mutual referral pitch The 75/75 framework - 75% prospecting time, 75 COIs as your target Agency owners multiplying COI impact by coordinating vendor networks across producers Charles's fractional Chief Sales Officer offer at $500-$1,000 per month Reach out to  Charles Specht Visit: Permission Network Chief Sales Officer Permission Producer School Produced by PodSquad.fm

The Constitution Study with Host Paul Engel – Do data centers really consume hundreds of gallons of water a day, or is that just a scare tactic? Are rising electricity prices caused by data centers, or by politicians bribing them with tax breaks and discounted energy? Is your data safe on all those apps that you use, or is that an illusion?

Dr Dane Snyder visits the studio as we consider Tylenol and autism. Parents may hear mixed messages… with the headlines saying one thing and medical providers saying something different. So, what are moms and dads to do? Tune in for a thoughtful discussion on this important topic!

Picture this: a remote coral atoll in the middle of the Pacific Ocean. Brutal heat. Cadaver dogs. Archaeologists on their knees sifting through debris, because on this island, coral looks almost identical to bone. And one journalist sitting quietly with her notebook, watching it all unfold — asking the question everyone there is trying to answer: what really happened to Amelia Earhart? That journalist is our guest today. In this episode of Legendary Leaders, host Cathleen O'Sullivan is joined by Rachel Hartigan, who spent 12 years at National Geographic as a writer, reporter and editor, covering everything from the genetics of persimmon trees to the long road to women's suffrage. Before that, she edited the Washington Post's Book World section. She is not the swashbuckling type who dives into underwater pyramids in Sudan. But she has done something arguably harder: she spent years going deep, really deep, into one of history's most enduring mysteries, returning to that Pacific Island not once, but twice. The result is her debut book, Lost: Amelia Earhart's Three Mysterious Deaths and One Extraordinary Life. Rachel and Cathleen explore all three main theories of what happened to Earhart: did she crash into the ocean, die as a castaway on a remote island, or end up in Japanese custody? But what grabbed Cathleen most when she started reading Rachel's book wasn't the mystery. It was the woman herself. Earhart was someone who refused to over explain herself, who did bold and unconventional things simply because they felt right - not to make a point, not to be a rebel, but because her inner compass said so. In an era when women were expected to fit a very particular mould, she didn't. And there is a lesson in that which feels incredibly alive right now. They also talk about what it actually means to be an introvert who built a career on asking strangers the hardest questions. Rachel still dreads picking up the phone before a difficult call and makes it anyway. She separates her anxiety from her ability, which is honestly one of the cleanest pieces of self-awareness you'll hear in a long time. They talk about leaving National Geographic after 12 years, a place that wasn't just a job but a full identity, in the middle of grief, exhaustion and a book deadline. And they talk about what the people still searching for Earhart, some of them obsessive, some willing to upend their entire lives to sail to a remote island, can teach us about the very human need to find answers. Rachel Hartigan is someone who can explain dolphin brains and deep ocean mysteries and make both feel completely alive. We think you're going to love this one.   Episode timeline: 00:01:09 Introducing Rachel Hartigan and the Earhart mystery 00:05:42 Rachel's early life, introversion and career challenges 00:14:49 Managing anxiety, building strategies and proving reliability 00:22:54 Leaving National Geographic: identity and decision 00:26:00 Balancing book writing with full time work 00:34:25 Media trust, bias and information verification 00:44:39 Three competing theories of Earhart's disappearance 00:51:09 Earhart's early adventures and determination 00:56:23 Family influences and personal independence 00:59:04 Authenticity vs rebel image and misconceptions 01:06:33 Rachel's adventures and expedition experiences 01:10:06 Challenges, empathy and family impact Key takeaways: Your anxiety and your ability are two different things: Rachel still dreads making a hard phone call before every single one and makes it anyway. Separating the nervous feeling from the actual skill is what lets her keep doing work that scares her. Not explaining yourself is a form of power: Earhart never justified her choices with a cause or a point to prove. She did things for the fun of it. Rachel calls this the lesson that has stuck with her the longest, and the one women still find hardest to claim. Reliability opens doors you didn't apply for: Rachel built a reputation as someone who could do anything thrown at her, long stories, short stories, dense science, tricky edits. That reputation, not a special qualification, is why she was asked to join the expedition that became her book. Sometimes you have to choose the thing that isn't the smart financial decision: Leaving a 12-year identity in the middle of grief, exhaustion and a deadline wasn't strategic. It was necessary. Rachel calls it one of the hardest and most important choices she's made. Empathy for the obsessive searcher is empathy for the human need to know: People still searching for Earhart nearly 90 years on aren't irrational. Rachel argues the urge to find an answer, however unlikely the odds, is one of the most human impulses there is.   Connect with Rachel Hartigan: Website: https://rachelhartiganauthor.com Book: Lost, available on Amazon, Barnes & Noble, Bookshop.org and at rachelhartiganauthor.com   Connect with Cathleen O'Sullivan:  Business: https://cathleenosullivan.com/ LinkedIn: https://www.linkedin.com/in/cathleen-osullivan/ Instagram: https://www.instagram.com/legendary_leaders_cathleenos/ YouTube: https://www.youtube.com/@LegendaryLeaderswithCathleenOS FOLLOW LEGENDARY LEADERS ON APPLE, SPOTIFY OR WHEREVER YOU LISTEN TO YOUR PODCASTS.

Jenny Lei is the founder of Freja, the cult-favorite vegan handbag brand that you've probably seen on Hailey Bieber, Sarah Jessica Parker, and all over your feed.But here's what you might not know. Jenny started Freja with no fashion background, no design experience, and no investors. She funded it herself with money she made from a dropshipping business she built after Googling "how to make money fast online" because she had to pay for her life living in NYC. She launched a work bag brand out of her New Jersey apartment in February 2020, weeks before the entire world stopped going to the office. She signed up two thousand people to an email list, sent her launch email, and didn't get a single sale. And she was doing all of it on a visa, with a clock ticking on whether she'd even get to stay in the country. Today, Freja is a multi-million dollar brand and one of the most talked-about names in the space.In this episode, Jenny gets really honest about the slow years nobody talks about, why she believes growing too fast can actually be a curse, and the moment she broke down crying in an airport because she'd been holding the entire business together by herself, with no systems underneath her. We talk about the difference between selling products and creating a brand, how intuition is built through failure, and learning to separate who you are from the company you create. She also opens up about burnout, the systems and team she built behind Freja, and what it was like to step into the spotlight after years of hiding. If you're in one of those quiet, slow seasons right now — doing everything right, waiting for it to pay off — this is the conversation you need to hear.In this episode, we'll talk to Jenny about:* Why growth should be measured by learning, not just revenue. [02:37]* The downside of growing too fast without understanding why it worked. [03:58]* Growing up with curiosity and the freedom to explore new interests. [04:05]* Navigating identity after moving between China and the United States. [06:00]* How a vegan Instagram account became an early entrepreneurial venture. [06:58]* Separating personal identity from the business you build. [09:08]* Why the business should work for you—not the other way around. [10:00]* From Cornell graduate to Googling how to make money online. [13:55]* Learning the fundamentals of online selling through dropshipping. [15:22]* The difference between selling products and building a brand. [17:05]* Creating Freja after failing to find the perfect work bag. [19:25]* Using naive optimism to design a product without a fashion background. [20:25]* Launching just before the pandemic and facing an immediate setback. [24:25]* Why volume, consistency, and paid ads fueled early growth. [26:02]* The gradual rise of Freja and the success of the Chrystie collection. [27:58]* Reaching a turning point and finally viewing the company as a real business. [29:07]* Burnout, team growth, and learning how to build systems at scale. [31:17]* The marketing channels that mattered most from startup to scale. [35:23]* Stepping into the founder spotlight and sharing the story behind the brand. [37:48]* How journaling became the most impactful business tool. [42:33]* Using ChatGPT and the Socratic method for better decision-making. [44:12]* Moving to London, evolving as a designer, and reimagining the future of Freja. [45:51]This episode is brought to you by Beeya:* If you or anyone you know have been struggling with hormonal imbalances and bad periods, go to https://beeyawellness.com/free to download the free guide to tackling hormonal imbalances* Plus, get $10 off your order by using promo code BEHINDHEREMPIRE10Follow Yasmin:* Instagram: https://www.instagram.com/yasminknouri/* Website: https://www.behindherempire.com/Follow Jenny:* Website: https://frejanyc.com/* Instagram: https://www.instagram.com/frejanyc/* Instagram: https://www.instagram.com/jennyyleiii/ Hosted on Acast. See acast.com/privacy for more information.

Ministry isn't the problem.The way we think about ministry sometimes is.—In this episode, Tyler explains why he chose the phrase How To Survive Working For God, what he actually means by words like survive and working for God, and why the language we use can shape the way we experience ministry.This conversation explores the difference between surviving and thriving, production and health, ministry and identity, and why God cares about who you're becoming just as much as what you're accomplishing.The goal isn't helping people endure ministry.The goal is helping people love God, His Church, their family, and their calling for the long haul.IN THIS EPISODE:• The difference between surviving ministry and thriving in ministry• Why healthy language creates healthy ministry• Separating your identity from your ministry role• Why production is a poor substitute for personal health• Understanding the difference between salvation and service• Building a ministry that lasts instead of one that merely performs

With so many conflicting and contradictory nutrition claims dominating headlines and social media, deciding what to eat has become unnecessarily complicated. Stanford nutrition scientist Christopher Gardner, Ph.D., has spent more than three decades conducting evidence-based research to bring clarity to the conversation. In this program, Gardner shares what decades of human nutrition trials reveal about where true scientific consensus exists, and where it does not. From his landmark “A to Z” and “DIETFITS” studies to ongoing research on plant-rich alternatives, ketogenic diets, the gut microbiome, and inflammation, Gardner has worked to move the field beyond diet myths and toward practical, evidence-based guidance. At the center of his message is a powerful idea: healthy eating can be “unapologetically delicious,” built around whole, minimally processed, plant-rich foods aligned with personal values around culture, sustainability and social responsibility. He will address pressing questions about different diets, cholesterol, seed oils, ultra-processed foods, protein, plant-based meats, fiber, fermented foods and more, offering a framework that helps individuals make informed, flexible, and lasting food choices. This conversation invites us to reconsider not only what we eat, but how we think about food: as nourishment, pleasure, culture and a powerful tool for long-term personal and planetary health. About the Speakers Christopher Gardner, Ph.D., is a professor of medicine at Stanford Prevention Research Center who has led more than 20 years of NIH-funded, randomized controlled trials on nutrition. His work focuses on diet patterns, weight loss and cardiometabolic health. A Nutrition, Food & Wellness Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Organizer: Patty James  This program contains EXPLICIT language. Learn more about your ad choices. Visit megaphone.fm/adchoices

Separating Signal from the Noise: Iran MOU Signed, LIVE Coverage | Triggered Ep.351   Streamed from Rumble Studio! Go to http://allfamilypharmacy.com/DONJR and use code DONJR10 to save 10% off your order.

Separating the Art from the Business - Grow To Your Potential at Taekwondo Professionals 2026US Open 2026 is coming August 1, 2026! Compete in patterns, sparring, team patterns, and power breaking in Las Vegas, Nevada! For more information and registration, you can do sohttps://tulworld.com/events/us-open-2026International Instructor's Course 2026 in Fairfield, New Jersey is coming October 23-25, 2026!Grandmaster Nicholls and Grandmaster Wheatley will be sharing their knowledge in this 3 day course seminar! Learn from the best so you can excel in Taekwon-Do!Registration is coming soon!tulworld.com/eventsJoin our Tul World+ program where you get exclusive videos on patterns, techniques as well as special discounts on upcoming seminars! https://tulworld.com/info-tulworldplusSchedule a free in-person Taekwon-Do trial class at https://www.juestkd.com/more-info

Menopausal Hormone Therapy: Separating Fact from Fiction Hot flashes, night sweats, sleep disruption, brain fog, mood changes—menopause can bring a host of symptoms that affect daily life. But is menopausal hormone therapy (MHT) right for you? In this episode of MamaDoc BabyDoc, Dr. Renda Knapp dives into the science behind menopausal hormone therapy. They discuss who may benefit from treatment, the different types of hormone therapy available, and the real risks and benefits based on the latest evidence. You'll learn: • What menopausal hormone therapy is and how it works • Which symptoms respond best to treatment • The difference between estrogen-only and combined hormone therapy • Common misconceptions and fears surrounding hormone therapy • Who should and should not consider MHT • Non-hormonal options for managing menopausal symptoms Whether you're approaching menopause, in the middle of it, or simply planning for the future, this episode will help you make informed decisions about your health and understand the options available to help you feel your best. Tune in for an evidence-based conversation that cuts through the confusion and empowers women to navigate menopause with confidence.

Forget negative gearing. The budget is quietly hitting trusts, CGT, super, and business structures at once, in what could be investors' biggest shake-up in decades. On the How I Met My Broker podcast, Liam Garman and Hung Chuy sit down with financial adviser Andrew Foo and accountant Callum Wall to shed light on what may be the most significant shake-up to investor strategy in decades. The panel doesn't hold back, arguing the public reaction has been driven by confusion and social media hot takes, with investors making costly assumptions before understanding how the changes actually apply to them. They break down the proposed changes to negative gearing and capital gains tax (CGT), revealing why investment timelines, cash flow, and ownership structures could become make-or-break in the years ahead. Attention then turns to trusts, estate planning, and super, with the trio warning that existing strategies may already be outdated as new tax settings reshape long-term wealth planning. The experts also expose the potential fallout for small business owners, including growing uncertainty around once-trusted tax-minimisation structures.

In this episode of the Social Proof Podcast, Donni Wiggins and David Shands break down one of the biggest reasons entrepreneurs stay stuck: their goals simply aren't urgent enough.From business growth and motivation to forgiveness, relationships, weight loss, and personal responsibility, this conversation dives deep into what really drives people to take action. They explore why most people can solve impossible problems when the stakes are high, but struggle to move when success feels optional.If you've ever felt stuck, unmotivated, or frustrated with your progress, this episode will challenge the way you think about business, discipline, and personal growth.In this episode:• Why most entrepreneurs stay stuck• How urgency impacts success• The mindset shift that changes everything• Separating business from emotions• Forgiveness, trust, and relationships• The truth about motivation and accountability• Why people perform better under pressure• Personal stories on health, weight loss, and disciplineSubscribe for weekly conversations on entrepreneurship, wealth building, mindset, and business growth.

Holy Wars — Show Notes: Fight Laugh Feast Documentary In this Fight Laugh Feast documentary, CrossPolitic traces the inescapable question of holiness from Moses at the burning bush through the Great Awakenings, the Crusades, and into the present culture war — arguing that holiness is not private sentiment but public, world-transforming fire. Featuring historical and theological commentary from Joe Boot and others, the documentary confronts counterfeit holiness in both secular activism and charismatic revivalism, and calls Christians to fight a holy war with the weapons God has actually given them: his Word, his Spirit, and his people. Timestamps 0:00 — Intro — Moses, the burning bush, and the holy ground that launched a nation 0:43 — How we've privatized holiness — and who filled the public square when we did 1:53 — Holiness is inescapable: not whether, but which 3:06 — The First Great Awakening — Edwards, justification by faith, and national cohesion 4:14 — From holy ground to holy war: how the Great Awakening built the War for Independence 5:46 — The Second Great Awakening — emotionalism, manipulation, cults, and cultural chaos 9:25 — Activism fills the vacuum — and the turn toward natural law and raw political power 11:03 — Sponsor: Patriot Mobile 12:22 — What holiness actually is: the fiery presence of the triune God 14:36 — Creation, the Fall, sacrifice, and the way back into God's presence 18:44 — Golgotha — the curtain torn, the fire unleashed, we are holy ground 21:38 — Is actual war holy? Just war theory: Augustine, Aquinas, and the Reformers 23:24 — The Black-Robed Regiment, the lesser magistrate, and the War for Independence 27:43 — The Crusades — were they just wars? Separating the first, fourth, seventh, and eighth 31:20 — Counterfeit holiness: BLM as pilgrimage, anti-racism as penance, revivalism as emotional currency 34:20 — The question before this generation: Christ's finished holiness or substitutes that leave ash 34:45 — Fight Laugh Feast 2026: Holy Wars — speakers, theme, and why we're gathering 36:18 — We are that bush — holy war in family, church, and state until the earth is full of his glory 43:46 — Deus vult — God wills it. He always has. He is doing it. Fight Laugh Feast 2026: Holy Wars Join us October 1–3 in Franklin, Tennessee for the Fight Laugh Feast Conference. This year's theme mirrors the documentary: Holy Wars — Just War, the Crusades, and the Christian Life. Featuring Doug Wilson, Joe Boot, George Grant, Jared Longshore, Joe Rigney, Ben Merkel, and the CrossPolitic crew. Early Bird pricing ends July 1st — we're nearly halfway sold out. Tickets: https://tickets.flfnetwork.com/holy-wars-conference This Episode's Sponsors Patriot Mobile America's only Christian conservative wireless provider. Same nationwide 4G and 5G coverage as the major carriers — with U.S.-based customer support and dollars that fund religious freedom, constitutional rights, the sanctity of life, and veterans and first responders. Switch today and get a free activation with code CROSSPOLITIC. Website: patriotmobile.com/crosspolitic About CrossPolitic CrossPolitic exists to put Jesus over Politics and reclaim the public square through bold, joyful, biblically grounded media. We confront the chaos discipling America and build the next generation of Christian media infrastructure. Our mission is simple: all of Christ for all of media for all of America. Mainstream media is collapsing. Eighty-seven percent of journalists identify as progressive, and even many conservative outlets prioritize profit over principle. Meanwhile, billions of hours of digital content are discipling the world every day. CrossPolitic stands in that gap, producing courageous, entertaining, truth-filled media for households, churches, and leaders across the nation. Become a CrossPolitic Club Member Support the mission and unlock exclusive content, behind-the-scenes shows, and theology series. https://pubtv.flfnetwork.com/menu/checkout Subscribe & Share! Every like, comment, and share helps push Christian media back into the algorithm where it belongs. Follow CrossPolitic YouTube: https://www.youtube.com/@CROSSPOLITIC X: https://x.com/CrossPolitic Facebook: https://facebook.com/crosspolitic Instagram: https://instagram.com/crosspolitic Email List: https://crosspolitic.com/ Available on Apple Podcasts, Spotify, NRBTV, DirecTV, Dish, and everywhere podcasts are found. #CrossPolitic #HolyWars #FightLaughFeast #JustWar #Crusades #ChristianMedia #Holiness

Holy Wars — Show Notes: Fight Laugh Feast Documentary In this Fight Laugh Feast documentary, CrossPolitic traces the inescapable question of holiness from Moses at the burning bush through the Great Awakenings, the Crusades, and into the present culture war — arguing that holiness is not private sentiment but public, world-transforming fire. Featuring historical and theological commentary from Joe Boot and others, the documentary confronts counterfeit holiness in both secular activism and charismatic revivalism, and calls Christians to fight a holy war with the weapons God has actually given them: his Word, his Spirit, and his people. Timestamps 0:00 — Intro — Moses, the burning bush, and the holy ground that launched a nation 0:43 — How we've privatized holiness — and who filled the public square when we did 1:53 — Holiness is inescapable: not whether, but which 3:06 — The First Great Awakening — Edwards, justification by faith, and national cohesion 4:14 — From holy ground to holy war: how the Great Awakening built the War for Independence 5:46 — The Second Great Awakening — emotionalism, manipulation, cults, and cultural chaos 9:25 — Activism fills the vacuum — and the turn toward natural law and raw political power 11:03 — Sponsor: Patriot Mobile 12:22 — What holiness actually is: the fiery presence of the triune God 14:36 — Creation, the Fall, sacrifice, and the way back into God's presence 18:44 — Golgotha — the curtain torn, the fire unleashed, we are holy ground 21:38 — Is actual war holy? Just war theory: Augustine, Aquinas, and the Reformers 23:24 — The Black-Robed Regiment, the lesser magistrate, and the War for Independence 27:43 — The Crusades — were they just wars? Separating the first, fourth, seventh, and eighth 31:20 — Counterfeit holiness: BLM as pilgrimage, anti-racism as penance, revivalism as emotional currency 34:20 — The question before this generation: Christ's finished holiness or substitutes that leave ash 34:45 — Fight Laugh Feast 2026: Holy Wars — speakers, theme, and why we're gathering 36:18 — We are that bush — holy war in family, church, and state until the earth is full of his glory 43:46 — Deus vult — God wills it. He always has. He is doing it. Fight Laugh Feast 2026: Holy Wars Join us October 1–3 in Franklin, Tennessee for the Fight Laugh Feast Conference. This year's theme mirrors the documentary: Holy Wars — Just War, the Crusades, and the Christian Life. Featuring Doug Wilson, Joe Boot, George Grant, Jared Longshore, Joe Rigney, Ben Merkel, and the CrossPolitic crew. Early Bird pricing ends July 1st — we're nearly halfway sold out. Tickets: https://tickets.flfnetwork.com/holy-wars-conference This Episode's Sponsors Patriot Mobile America's only Christian conservative wireless provider. Same nationwide 4G and 5G coverage as the major carriers — with U.S.-based customer support and dollars that fund religious freedom, constitutional rights, the sanctity of life, and veterans and first responders. Switch today and get a free activation with code CROSSPOLITIC. Website: patriotmobile.com/crosspolitic About CrossPolitic CrossPolitic exists to put Jesus over Politics and reclaim the public square through bold, joyful, biblically grounded media. We confront the chaos discipling America and build the next generation of Christian media infrastructure. Our mission is simple: all of Christ for all of media for all of America. Mainstream media is collapsing. Eighty-seven percent of journalists identify as progressive, and even many conservative outlets prioritize profit over principle. Meanwhile, billions of hours of digital content are discipling the world every day. CrossPolitic stands in that gap, producing courageous, entertaining, truth-filled media for households, churches, and leaders across the nation. Become a CrossPolitic Club Member Support the mission and unlock exclusive content, behind-the-scenes shows, and theology series. https://pubtv.flfnetwork.com/menu/checkout Subscribe & Share! Every like, comment, and share helps push Christian media back into the algorithm where it belongs. Follow CrossPolitic YouTube: https://www.youtube.com/@CROSSPOLITIC X: https://x.com/CrossPolitic Facebook: https://facebook.com/crosspolitic Instagram: https://instagram.com/crosspolitic Email List: https://crosspolitic.com/ Available on Apple Podcasts, Spotify, NRBTV, DirecTV, Dish, and everywhere podcasts are found. #CrossPolitic #HolyWars #FightLaughFeast #JustWar #Crusades #ChristianMedia #Holiness

Holy Wars — Show Notes: Fight Laugh Feast Documentary In this Fight Laugh Feast documentary, CrossPolitic traces the inescapable question of holiness from Moses at the burning bush through the Great Awakenings, the Crusades, and into the present culture war — arguing that holiness is not private sentiment but public, world-transforming fire. Featuring historical and theological commentary from Joe Boot and others, the documentary confronts counterfeit holiness in both secular activism and charismatic revivalism, and calls Christians to fight a holy war with the weapons God has actually given them: his Word, his Spirit, and his people. Timestamps 0:00 — Intro — Moses, the burning bush, and the holy ground that launched a nation 0:43 — How we've privatized holiness — and who filled the public square when we did 1:53 — Holiness is inescapable: not whether, but which 3:06 — The First Great Awakening — Edwards, justification by faith, and national cohesion 4:14 — From holy ground to holy war: how the Great Awakening built the War for Independence 5:46 — The Second Great Awakening — emotionalism, manipulation, cults, and cultural chaos 9:25 — Activism fills the vacuum — and the turn toward natural law and raw political power 11:03 — Sponsor: Patriot Mobile 12:22 — What holiness actually is: the fiery presence of the triune God 14:36 — Creation, the Fall, sacrifice, and the way back into God's presence 18:44 — Golgotha — the curtain torn, the fire unleashed, we are holy ground 21:38 — Is actual war holy? Just war theory: Augustine, Aquinas, and the Reformers 23:24 — The Black-Robed Regiment, the lesser magistrate, and the War for Independence 27:43 — The Crusades — were they just wars? Separating the first, fourth, seventh, and eighth 31:20 — Counterfeit holiness: BLM as pilgrimage, anti-racism as penance, revivalism as emotional currency 34:20 — The question before this generation: Christ's finished holiness or substitutes that leave ash 34:45 — Fight Laugh Feast 2026: Holy Wars — speakers, theme, and why we're gathering 36:18 — We are that bush — holy war in family, church, and state until the earth is full of his glory 43:46 — Deus vult — God wills it. He always has. He is doing it. Fight Laugh Feast 2026: Holy Wars Join us October 1–3 in Franklin, Tennessee for the Fight Laugh Feast Conference. This year's theme mirrors the documentary: Holy Wars — Just War, the Crusades, and the Christian Life. Featuring Doug Wilson, Joe Boot, George Grant, Jared Longshore, Joe Rigney, Ben Merkel, and the CrossPolitic crew. Early Bird pricing ends July 1st — we're nearly halfway sold out. Tickets: https://tickets.flfnetwork.com/holy-wars-conference This Episode's Sponsors Patriot Mobile America's only Christian conservative wireless provider. Same nationwide 4G and 5G coverage as the major carriers — with U.S.-based customer support and dollars that fund religious freedom, constitutional rights, the sanctity of life, and veterans and first responders. Switch today and get a free activation with code CROSSPOLITIC. Website: patriotmobile.com/crosspolitic About CrossPolitic CrossPolitic exists to put Jesus over Politics and reclaim the public square through bold, joyful, biblically grounded media. We confront the chaos discipling America and build the next generation of Christian media infrastructure. Our mission is simple: all of Christ for all of media for all of America. Mainstream media is collapsing. Eighty-seven percent of journalists identify as progressive, and even many conservative outlets prioritize profit over principle. Meanwhile, billions of hours of digital content are discipling the world every day. CrossPolitic stands in that gap, producing courageous, entertaining, truth-filled media for households, churches, and leaders across the nation. Become a CrossPolitic Club Member Support the mission and unlock exclusive content, behind-the-scenes shows, and theology series. https://pubtv.flfnetwork.com/menu/checkout Subscribe & Share! Every like, comment, and share helps push Christian media back into the algorithm where it belongs. Follow CrossPolitic YouTube: https://www.youtube.com/@CROSSPOLITIC X: https://x.com/CrossPolitic Facebook: https://facebook.com/crosspolitic Instagram: https://instagram.com/crosspolitic Email List: https://crosspolitic.com/ Available on Apple Podcasts, Spotify, NRBTV, DirecTV, Dish, and everywhere podcasts are found. #CrossPolitic #HolyWars #FightLaughFeast #JustWar #Crusades #ChristianMedia #Holiness

Vitamin D and multiple sclerosis have been linked for decades, but how strong is the evidence – and what does it mean for clinical practice? In this episode of the ECTRIMS Podcast, host Brett Drummond speaks with Prof. Eric Thouvenot from University Hospital of Nimes and Dr. Deborah Mason from Christchurch Hospital about the evolving science behind vitamin D and MS. Together, they explore: Why vitamin D deficiency is associated with increased MS risk The influence of latitude, sunlight exposure and genetics How vitamin D affects immune regulation and inflammation Findings from recent vitamin D supplementation trials As researchers continue to investigate vitamin D's role in MS, this episode provides a balanced look at what we know, what remains uncertain, and what it means for patient care.

The Rebbe clarifies that religious education should be overseen by experts, not necessarily only religious individuals, and must remain separate from political parties. He addresses misunderstandings about his position and emphasizes the importance of non-partisan education. https://www.torahrecordings.com/rebbe/igroskodesh/007/008/2107

Show recorded on June 15, 2026: This week on The Third Opinion, Mike and Laureen continue their coverage of the controversy surrounding Ye (Kanye West) and his upcoming concerts in Tampa later this month. The discussion includes highlights from a bipartisan press conference held on June 15 at the Florida Holocaust Museum in St. Petersburg, led by Senator Rick Scott and featuring remarks from Senator Ashley Moody. Both hosts felt the speakers delivered heartfelt messages of support for the Jewish community and addressed growing concerns about antisemitism.   The conversation then turns to the arrest of eight pro-Palestinian activists connected to the University of Michigan, examining the allegations against them and the broader implications for campus activism and public safety.   In the second half of the program, Mike and Laureen explore the recently announced Iran Memorandum of Understanding. Separating official details from speculation and misinformation, they examine what is actually contained in the agreement and whether it has any realistic chance of ending the ongoing conflict. To provide additional insight, the episode features commentary from Dr. Jonathan Schanzer of the Foundation for Defense of Democracies and journalist Haviv Rettig Gur of the Israel Free Press, who discuss the current state of the war and the prospects for the MOU's success.   The episode concludes with Mike and Laureen sharing their own predictions about what could happen if the agreement moves forward, including possible political, diplomatic and security consequences for the region and beyond.   Thank you for listening, sharing and subscribing The Third Opinion Podcast!

In this episode, we break down the realities of Social Security's financial future, separating fact from emotion. He clarifies that the Social Security trust fund and the overall system are not the same — even if the trust fund is depleted, benefits continue, though potentially reduced by 20-25%. We explore contributing pressures including aging demographics, declining birth rates, immigration shifts, and automation replacing payroll-tax-generating workers. We emphasize that benefit cuts would devastate millions of retirees who rely solely on Social Security, while also harming the broader economy through reduced consumer spending and tax revenues.(00:00) – Social Security Isn't Going Broke (03:56) – Why the Current Model Is Under Pressure (07:01) – What a 20–25% Benefit Cut Would Mean(09:32) - Why the System is Under PressureNEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Send us Fan MailVIDEO PODCAST HEREThis concludes our series examining whether the Church was restored in 1830. In this final installment, we review additional revelations that did not come to pass, along with various challenges that arose under the leadership of Joseph Smith as prophet.Our hope throughout this series is that viewers will thoughtfully consider whether the church organization established by Joseph Smith and his associates was truly divine in origin or the product of human effort. We have sought to clearly distinguish between the restored church structure and the simple, foundational gospel taught in the Book of Mormon.Upon closer examination, the Book of Mormon stands apart in both spirit and substance—particularly in its emphasis on simplicity—from many of the doctrines and practices that were later introduced through Joseph Smith's revelations. We invite all who watch to prayerfully ponder these matters. We encourage you to approach the Book of Mormon with fresh eyes, asking God to help you separate longstanding church traditions from its core message: the simple call to repentance made possible by the Savior's atoning sacrifice on the cross.The Book of Mormon is unequivocal in its teaching that only those who repent are covered by the Atonement of Jesus Christ and receive everlasting life in His kingdom. Restored Gospel  - Scripture Search and Study Resources Contact us:restoredgospelpodcast@gmail.comMusic by Michael Barrett

How many marketing leaders can confidently tell their CEO which specific AI use cases are actually driving revenue right now, and which ones are just running up the bill as experiments?Agility isn't just about adapting to new tech like AI. It's about building the solid data and operational models that let you connect those innovations directly to business growth.Today, we are here at CRMC 2026 in Frisco Texas, and we're going to talk about:- Moving beyond campaign metrics to directly link lifecycle marketing programs to revenue.- Separating the hype from reality to identify where AI is delivering tangible results in marketing right now.- Rethinking your operating model—what to own, what to outsource, and how to build a first-party data foundation that supports it all.To help me discuss this topic, I'd like to welcome, Matt Kelly, Growth Strategy Partner at Mavlers. About Matt Kelly Matt Kelly on LinkedIn: https://www.linkedin.com/in/matthewscottkelly/ ---------- Resources ---------- : mavlers.com This episode is brought to by CRMC. Drive your customers to new horizons at the premier retail event of the year for Retail and Brand marketers. Learn more at CRMC 2026, June 1-3. https://www.thecrmc.com We're proud to be a media partner for #MAICON26 - Oct. 13-15! Learn how AI can power your marketing and business and help you grow smarter. Use code AGILE150 to save! https://aglbrnd.co/r/7fe458ced0f04658Reach your customers with Reddit. Spend $500 in ad spend, get $500 back in ad credit! Learn more: https://advertalize.com/r/491818c79fb1873fDon't miss We Make Future - the International Festival of Innovation in AI, Tech, and Digital Marketing, June 24-26 in Bologna. Learn more: https://aglbrnd.co/r/c80991afff416bb2The most influential minds in software, AI, and engineering leadership will be at WeAreDevelopers World Congress North America, September 23-25 in San Jose. Learn more: https://aglbrnd.co/r/60a7299222a7bcf1 Enjoyed the show? Tell us more at and give us a rating so others can find the show at: https://aglbrnd.co/r/faaed112fc9887f3 Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://aglbrnd.co/r/35ded3ccfb6716ba Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company Hosted on Acast. See acast.com/privacy for more information.

Don answers a diverse collection of listener questions covering Roth conversions, indexed annuities, emergency fund management, TSP contributions, inherited money, and portfolio construction. He delivers a forceful warning about indexed annuities and commission-driven insurance sales after one listener considers using an annuity bonus to offset Roth conversion taxes. Other questions explore whether short-term bond funds belong inside a Roth IRA, how much attention investors should pay to taxes, investing a potential $200,000 windfall, Roth versus traditional TSP contributions, and Paul Merriman's popular Two-Fund for Life strategy. Along the way, Don shares his appreciation for readers of The Line Uncrossed and reminds listeners how to submit questions through the new Talking Real Money website.0:05 Summer question slowdown, Friday Q&A format, and submitting questions through the new website1:41 Listener asks about using an indexed annuity bonus to help fund a Roth conversion3:14 Why indexed annuities are often misleading and how insurance commissions create conflicts5:01 The risks of moving an entire retirement portfolio to cash at retirement6:30 Why a comprehensive fiduciary financial plan may be essential for this listener8:16 Question about holding VFSTX as part of an emergency fund strategy10:36 Why taxes are often a minor concern compared with investment allocation11:03 Why a short-term bond fund may not belong inside a 42-year-old's Roth IRA12:17 Balancing growth, risk tolerance, and liquidity needs13:22 TSP lifecycle funds, Roth contributions, and planning for a possible $200,000 windfall15:03 Separating travel money from long-term investment assets16:09 Paul Merriman's Two-Fund for Life strategy17:38 The role of small-cap value funds alongside target-date funds18:13 Fama-French factor investing and the tradeoff between simplicity and optimization19:15 Closing thoughts on listener questions and participation20:26 What makes a fiduciary advisor different from a commissioned salesperson21:13 Update on The Line Uncrossed and request for listener reviewsQuestions? Comments? Click!

Today we talk through the moment leaders realize something is off on the team and why waiting usually makes the situation worse for everyone. We lay out a practical way to separate performance issues from role design problems so you can hire, coach, or make a change with clarity.Key topics discussed in this episode:• The hidden team cost of delaying tough conversations• Separating performance problems from culture fit issues• Aligning job descriptions with market compensation• Considering fractional help when revenue cannot support senior hires• Keeping the selection process tight and comparing candidates consistentlyFollow Elite Achievement for more conversations on leadership and high-level execution. About ClaireClaire Myers Vitale is the Founder of Claire Myers Consulting, a Sonoma-based talent firm specializing in wealth management and companies that are in hyper-growth mode. Their mission is simple: Connect businesses with top-tier talent through integrity-driven, fair, and innovative recruiting strategies.Claire spent 10 years with Northwestern Mutual in a recruiting and coaching capacity. She rounded out her tenure with the firm sitting on the Executive Team of Northwestern Mutual San Francisco and serving as their Chief Recruiting Officer.She holds an MBA from Alverno College, is a Master Certified Coach, and is certified in Organization Change Management through Prosci. Claire is also recognized in the Kitces Advisor Services Map.Claire is a proud foster parent and lives in Sonoma, CA with her husband Jon, who is a firefighter, their daughter, and three loving dogs. She also owns a Co-working space downtown Sonoma with another business owner - if you are ever in Sonoma, stop by and say hello!Connect with Clairehttps://www.clairemyersconsulting.com/About Kristin BurkeKristin Burke works with financial advisors and leaders in financial services who are building and scaling firms. She helps them lead more effectively, develop their team, and execute consistently on the priorities that drive growth.Work with KristinIf you are building a firm and want a strategic partner to help you think through leadership, team development, and execution, you can learn more about working with Kristin here:WebsiteConnect on LinkedInLinkedIn

For episode 255 of the Crypto Altruists podcast, we're doing something a little different. No guest, no interview, just a conversation about something that's been on my mind: the parallels between crypto's hype cycle and the moment AI is in right now.A few years ago, we were told crypto would change everything. It would bank the unbanked, topple corrupt institutions, create generational wealth, and solve humanity's hardest problems. Some of that came true. A lot of it didn't. And along the way, the noise, the scams, and the booms and busts drove people away and bred a lasting resentment toward the entire space.But here's the hopeful part: once the hype faded and the dust settled, the real use cases quietly emerged. Stablecoins delivering aid and remittances. Transparent, on-chain philanthropy. Tokenization funding community-owned infrastructure. The "boring," behind-the-scenes applications turned out to be the ones creating impact at scale.Today, I want to make the case that the Artificial Intelligence (AI) space is running almost the exact same playbook. The same totalizing promises, the same accelerationist fervor, and the same growing public backlash. This isn't an anti-AI episode, and it's not anti-crypto either. It's a pragmatic, human-centered take on managing hype, recognizing and mitigating real harms, and protecting the genuinely good stuff so it has a chance to grow. Because if there's one thing crypto taught us, it's that a technology can't thrive at scale without human buy-in.We'll also touch on what responsible development could look like, from the "do no harm" principle borrowed from the development world to the recent call from leaders within the AI industry itself, like Anthropic, for a collective pause mechanism.In today's discussion, you'll learn:

Texas Football Deep Dive | Separating Hype from Reality Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

#942 What if the key to scaling your business wasn't working harder — but working with your brain instead of against it? In this episode, we sit down with Summer Ray of Soma Lumin, a digital nomad entrepreneur who built an aura photography software business from a van in New Mexico. Summer breaks down how she designed her entire business around her neurodivergent, "squiggly brain" — from cycle-tracking her calendar to schedule high-visibility tasks during peak energy windows, to using AI tools to audit how she actually spends her time. She shares her frameworks for creating artificial urgency and scarcity as motivation, separating the "architect" from the "operator" in her business, and why imperfect action will always beat waiting for the perfect moment to launch. If you've ever felt like traditional business advice just doesn't fit the way your brain works, this episode is for you! What we discuss with Summer: + Building a business around your natural rhythms + Cycle-tracking your calendar for peak productivity + Using AI to audit how you spend your time + Creating artificial urgency, scarcity, and novelty + Separating the "architect" from the "operator" + Scheduling time to zoom out and grow + Setting boundaries with clients to stay resourced + Imperfect action beats waiting for perfect + Pivoting your business model even when things are working + The "squiggly brain" entrepreneur's approach to burnout prevention Thank you, Summer! Check out Soma Lumin at SomaLumin.com. Watch the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠video podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this open discussion episode, the Monday Meeting team leads a conversation about the emotional side of creative work—processing projects that get canceled, separating your identity from your output, and leaning on community through the freelance feast-or-famine cycle.This episode covers:When a project gets shelved at the 11th hour: Why it stings more when you've poured yourself in—and how to tell over-investment from imposter syndrome.Separating yourself from your work: How to keep your work from becoming your identity—plus a book recommendation that helps."The client is not your friend": How to stay emotionally distant while still doing your best work.Reframing canceled work: How a shelved project can still earn its keep—and why the ownership outlasts the client's approval.Coping strategies that actually help: The small daily habit that brings back a sense of control when everything else feels out of your hands.Soft skills over creative: Why how you handle a project going sideways can matter more than the final result.The feast-or-famine booking cycle: Saying "no," the "full restaurant" effect, and the booking pattern every freelancer keeps running into.Community as a lifeline: How these calls and the Discord help carry people through rough seasons.Upcoming Events/Schedule:Game Night: Wednesday, June 24th (now every last Wednesday of the month), ~6/6:30 PM Pacific—playing Gartic PhoneNext Open Discussion: Monday, July 13th (now monthly, every second Monday)Off-Monday "Open Office Hours" voice channel on Discord for portfolio/reel reviews—not recorded, so good for NDA-sensitive workOpen to guest hosts and topic requests; new social media memes and challenges rolling outVisit MondayMeeting.org for this episode and other conversations from the motion design community!SHOW NOTES:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monday Meeting Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monday Meeting Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MondayMeeting LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MondayMeeting Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MondayMeeting Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MondayMeeting NewsletterThe Good Enough JobScott Pelley Fired from 60minsDo What You Can't by Casey NeistatBusiness Model Generation written by Alexander Osterwalder & Eves Pigneur

Jonathan recently learned that the Seymour Center is about to absorb a permanent new expense in the $150,000 to $200,000 range. On a $2.2 million operating budget, that's roughly 10% of the whole thing, and it's not a one-time hit. The instinct for most leaders is to pull back: tighten the budget, pause the big swings, and try again in a few years. But contraction changes the story you can tell funders, and that cost is harder to recover from than the budget hit itself.Episode Highlights:[00:00:30] Contract or keep pushing? The fundamental question. [00:02:00] The outdated overhead myth and why it makes budget shocks worse [00:05:30] The power of flexibility that reserves actually buy you [00:08:00] Eric's pandemic-era decisions at Cosmic: no layoffs, no pay cuts in 16 years [00:12:00] Why liftoff windows are sacred and rarely repeat on your timeline [00:17:00] The story you can tell funders when you're in motion vs. when you've pulled back [00:20:30] Separating ego from mission in high-stakes financial decisions [00:22:30] The case for nonprofit mergers in a shrinking funding landscapeNotable Quotes:Jonathan Hicken [00:17:00]: "I can go to those meetings right now and sit down at the table and look at these people in the eye and authentically tell the story of this liftoff. If I start to contract, I can't do that."Eric Ressler [00:18:10]: "There's a saying in the business world: never need a deal. I think we're wired as humans to just be super attuned to desperation."Resources & Links:Seymour Marine Discovery Center — https://seymourcenter.ucsc.eduVisibility Beats Impact — Designing Tomorrow podcast episodeHosted by Eric Ressler, Founder & Creative Director of Cosmic, with co-host Jonathan Hicken, Executive Director of the Seymour Marine Discovery Center. New episodes every Tuesday.→ Subscribe: designingtomorrow.show → Work with Cosmic: designbycosmic.comListeners, now you can text us your comments or questions by clicking this link.*** If you liked this episode, please help spread the word. Share with your friends or co-workers, post it to social media, “follow” or “subscribe” in your podcast app, or write a review on Apple Podcasts. We could not do this without you!We love hearing feedback from our community, so please email us with your questions or comments — including topics you'd like us to cover in future episodes — at podcast@designbycosmic.comThank you for all that you do for your cause and for being part of the movement to move humanity and the planet forward.

Can medical cannabis help children—and what does the evidence actually show?Pediatric pharmacologist, Dr. Lauren Kelly, joins Trevor and Kirk to discuss medical cannabis in children. This wide ranging conversation includes discussion about epilepsy, autism, pediatric oncology, and the unique challenges of studying cannabinoids during development. Learn what researchers know about CBD, THC & kids, why evidence remains relatively limited, and how stigma, policy, and education continue to affect patient care.Listen now for an evidence-based discussion on pediatric cannabis research, safety, and the future of cannabinoid medicine for children.Dr. Lauren Kelly - LinkedIn-University of ManitobaC4T - The Canadian Collaborative for Childhood Cannabinoid Therapeutics -WebsiteTranscripts, papers and so much more at: reefermed.ca

In the healthcare marketing industry, just when you think you have everything under control, a new change comes along. And, honestly, it's a heavy responsibility for leaders to build a team structure that can withstand the pressures of the ever-evolving healthcare marketing space, but it also keeps things exciting! In this week's episode, our CEO, Jenny Bristow, shares two key concepts from the Entrepreneurial Operating System (EOS) framework that have helped Hedy & Hopp build a solid marketing team that has withstood many industry changes: the accountability chart & the “Right Person, Right Seat” framework.The Accountability Chart: The accountability chart is distinctly different from traditional job titles and organizational charts in that it focuses on the essential functions a team needs to operate efficiently. Start by mapping out core functions, such as content strategy, paid media, analytics, etc., and assigning responsibilities to each “seat.” When developing an accountability chart, it's critical to ignore current personnel to design an ideal structure from scratch, ensuring zero ambiguity regarding who owns each function.The "Right Person, Right Seat" (RPRS) Framework: Once the ideal structure is developed, evaluate current staff through two lenses: Right Person & Right Seat. Right Person assesses whether the individual shares the organization's core values. Right Seat utilizes the “GWC” framework (Get It, Want It, Capacity to Do It) to determine if a person is suited for a particular role. In other words does the person understand the requirements of the role? Are they genuinely excited and motivated to perform the responsibilities of the seat? And do they possess the mental, emotional, and technical capacity to succeed in the position?Separating the person from the problem is vital when restructuring. If a team member lacks the capacity for a specific modern technical role, it does not necessarily mean they must leave the organization; they may simply belong in a different seat.Connect with Jenny:Email: jenny@hedyandhopp.comLinkedIn: https://www.linkedin.com/in/jennybristow/If you enjoyed this episode, we'd love to hear your feedback! Please consider leaving us a review on your preferred listening platform and sharing it with others.

Dave is joined by Al again, and they revisit the topic of player some shady characters on your tabletob. Does it bother you ?

Check out MSC Online Courses this summer: https://www.modernsoccercoach.com/analysis Dutch football has long been admired for its ability to develop intelligent players, but Gary Curneen's recent conversation with FC Twente and Heracles Academy Head of Football Development Bas van Baar offered a fascinating insight into how that process actually works. Rather than focusing on patterns, formations, or rehearsed movements, their academy is built around developing players who can recognize situations, make decisions, and solve problems independently. It is a philosophy rooted in principles rather than prescriptions. One of the most thought-provoking ideas from the discussion was the belief that technique should never be separated from decision-making. Bas describes football as a constant cycle of taking information, making a decision, executing an action, and evaluating the outcome. As a result, much of FC Twente's training takes place through games rather than isolated drills, ensuring players are continually exposed to the realities of football. Even their youth development pathway reflects this approach, with younger players focusing on individual principles before gradually progressing towards more complex tactical understanding. The conversation also explored player development beyond the training ground, including managing late developers, individual development plans, parent education, and building an academy culture that prioritizes long-term growth. Whether you coach in a grassroots environment, high school soccer, or an elite academy, there are practical lessons throughout this discussion that challenge conventional thinking and offer a fresh perspective on developing smarter footballers.

One in two Americans now suffers from chronic disease, and one in four has multiple chronic conditions. We've normalized feeling tired, inflamed, stressed, and sick — but it's not normal. This episode may challenge what you think you know about beauty, wellness, and modern healthcare. We're talking about some of the most controversial — and highly requested — wellness topics out there right now…The hidden dangers of aesthetic injections and what women absolutely need to know before getting breast implants… And parasite cleanses are suddenly everywhere on social media — here's what you MUST know before trying one yourself. Our guest, Daniel Gonzalez, is a Functional Medicine Expert and the Lead Clinical Director at DrDaniel.com. He works with thousands of people across the US and North America to achieve health…without a prescription. KEY TAKEAWAYS 1.    What the Chemical Diagnostic Matrix is 2.    The industrialization of beauty today 3.    What people need to know about filler migration 4.    Tips & warnings regarding breast implants 5.    What people MUST know before parasite cleansing 6.    The 5 causes of illness   è You can request a free consult with Dr. Daniel, where he can answer any questions you might have about your health or how to reach your goals using personalized health, wellness, and fitness plans based on your health test data and goals.  è Head to https://www.drdaniel.com/ to learn more! è  You can find the links in the show notes at https://ronandlisa.com/podcast/

***Link to the Guided Meditation for Divorce Anxiety**How Not to Suck at Divorce YouTube Divorce: How to Handle the Rejection When You Didn't Want the DivorceDivorce is painful no matter what. But when you're not the one who wanted it? It can feel like so much more than a life change. It can feel like rejection.In this heartfelt mini episode of How Not to Suck at Divorce, Andrea Rappaport and Morgan Stogsdill tackle one of the most painful—and least discussed—parts of divorce: being the spouse who didn't want the marriage to end.But first- Don't miss out on our Divorce Crash Course. It's $50 for a limited time. Get it now to save thousands on your divorce. Why does being left hurt so much? Why do so many people immediately assume they're not enough? And how can that emotional pain quietly derail your divorce case, cost you money, and keep you stuck chasing answers you'll never get?Andrea and Morgan break down what happens to your brain when you're blindsided by divorce, why rejection often feels personal even when it isn't, and how to keep heartbreak from driving legal decisions.Plus, Andrea shares a simple but powerful tool that helped her survive some of her darkest divorce days: the "scheduled meltdown."In This Episode You Will Learn✅ Why divorce rejection feels so personal ✅ What happens to your brain when you're blindsided ✅ Why people often treat divorce like evidence against themselves ✅ How emotional pain can lead to expensive legal mistakes ✅ The difference between grieving a person and grieving a future ✅ Why family court cannot provide emotional closure ✅ How heartbreak can derail settlement negotiations and mediation ✅ The legal risks of making decisions from a place of hurt ✅ Andrea's "scheduled meltdown" technique for emotional regulation ✅ How to get your brain back online when emotions take overTimestamps(00:00) Why divorce feels like rejection when you didn't want it (03:16) The emotional conclusions people make after being left (04:20) How rejection can derail your divorce strategy (05:21) You're not really fighting about the house (06:33) Grieving the future you thought you would have (07:07) Why legal deadlines don't stop for heartbreak (08:17) The expensive trap of chasing closure (10:12) Morgan's cautionary tale about "Chad" and emotional decision-making (12:02) The opposite problem: fighting every battle out of anger (13:30) Separating emotion from legal strategy (14:00) Andrea's "scheduled meltdown" exercise (16:33) How to release emotions without sabotaging your case (18:18) Why this divorce is only one episode in your storyKey Takeaways

In episode 190 of Cybersecurity Where You Are, Sean Atkinson and Tony Sager sit down with Brian Calkin, Chief Technology and Innovation Officer at the Center for Internet Security® (CIS®). Together, they separate fact from fiction around artificial intelligence (AI) capabilities like Mythos AI and other AI-driven vulnerability discovery tools.Here are some highlights from our episode:00:50. Greetings to Brian and setting the stage for questions from a CIS webinar03:05. The lack of a unified formula or standard for vulnerability prioritization03:55. The opportunity for defenders to interrupt vulnerabilities chained together05:47. An invitation to better understand your enterprise amid the "slopdemic"06:33. How AI guardrails tie back into security best practices10:15. How a fundamental practice we can refine is the best counter to chained attacks12:25. The value of the CIS Community Defense Model and a teaser for Version 314:50. Mythos AI vs. Static Application Security Testing (SAST) in terms of practice and time19:08. Visibility, governance, and prioritization: Three elements of a "prepared" environment24:32. "One to one" cyber defense as a losing battle27:25. The importance of knowing your dependencies with open-source software33:15. Threat actor economics and the ongoing debate around responsibility in cybersecurityResourcesMythos AI: What Actually Matters for Cybersecurity LeadersSecure by DesignCIS Critical Security Controls®CIS Community Defense Model 2.0Episode 185: AI Prompt Injection from a Risk PerspectiveLiving off the Land: Threats Looming From WithinTurn Intel Into Action: CIS Controls and the 2026 Verizon DBIRImplementation Guide for Small- and Medium-Sized Enterprises CIS Controls IG1Information Technology and Information Security GovernanceIf you have some feedback or an idea for an upcoming episode of Cybersecurity Where You Are, let us know by emailing podcast@cisecurity.org.

In this episode of The Intelligent Vocalist, John speaks with vocal coach, choir director, and former opera and music theater performer about the fear, shame, and self-doubt that stop so many people from singing. Drawing from her work with hundreds of adult singers and her own journey overcoming performance anxiety, Linor shares practical ways to reconnect with the joy of singing and separate technical practice from emotional expression. If singing matters to you, you do not have to wait until you feel "ready" to enjoy it.   Episode highlights: One negative comment can shape a singer's identity for years. Separating technique mode from performance mode helps singers reconnect with joy. Breaking skills into small, manageable steps builds confidence and consistency.   To learn more about Linor Oren, go to https://singwell.eu/ To learn more about John Henny, his best-selling books, on-line courses, Voiceschool.com featuring his Teaching Team of Experts, Speaker Training and the Contemporary Voice Teacher Academy, visit: JohnHenny.com

Kai Wu of Sparkline Capital joins Excess Returns to break down his latest research on AI disruption, software stocks, value traps, and intangible moats. We discuss why software valuations have collapsed, why traditional value investing can fail during technological disruption, and how investors can separate potential AI winners from companies whose business models may be permanently impaired.AI Disruption: Moats and Value Trapshttps://www.sparklinecapital.com/post/ai-disruptionKai Wu on Xhttps://x.com/ckaiwuSparkline Capitalhttps://www.sparklinecapital.com/Topics Covered:Why software stocks are trading at a historically unusual discount to the marketHow AI disruption can create both real opportunities and dangerous value trapsWhy Blockbuster, Borders, RadioShack and newspapers offer lessons for today's software selloffHow patent data and natural language processing can measure technological disruptionWhy disruption has helped explain the poor performance of traditional value investingWhy value investing may still work in sectors insulated from technological changeHow intangible assets like brand, human capital, intellectual property and network effects can protect companiesWhy Walmart and The New York Times survived disruption while other incumbents did notHow David Teece's complementary assets framework applies to AI, software and moatsWhy AI adoption and intangible value together may help identify software survivorsWhy high dispersion in disruption-scare stocks creates a potential opportunity for stock pickersTimestamps:00:00 Software stocks now trade at a historic discount04:26 What makes a cheap stock a value trap08:25 Measuring disruption using patents, filings and natural language processing13:23 Is AI the biggest disruptive wave in history?14:55 Why disruption keeps stacking on retailers17:10 How technological change disrupted traditional value investing21:20 Why value investors need to know when not to apply old metrics25:06 Why more of the market is exposed to innovation than ever before27:07 What Walmart and The New York Times teach about surviving disruption32:40 The four intangible moats that can protect companies35:02 Why intangible value works better in disrupted industries38:50 Apple, Amazon, Macy's and the difference between disruptors and value traps42:58 Applying intangible value to beaten-down software stocks47:05 Why AI adoption alone is not enough48:23 How AI could improve margins for surviving software companies50:09 Which industries are adopting AI fastest52:14 The software sweet spot: AI adoption plus intangible moats53:53 Why disruption-scare stocks have extreme return dispersion57:40 What happens when intangible value is applied to high-disruption stocks01:01:42 Why “code is not the moat” for many software companies

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Intelligent fans are capable of separating the player from the person. Most fans are not intelligent.

Listener Q&A where Andy talks about: Claiming your own Social Security benefit at 62 and then later switching to collecting a spousal benefit after your spouse starts their benefit ( 5:45 )It's said by comedians that there are just a small number of basic jokes and everything else is just a variation. The same could be said about financial planning, where there are just a few core topics, and everything else is a variation on a core topic ( 11:18 )What is meant when it's said the stock market is a "complex adaptive system," and that it's movement is a "random walk" ( 14:08 )How to determine how much tax to withhold from your Social Security payments ( 17:34 )Why many flat fee financial advisors who focus on working with retirees only work with people whose net worth is generally no more than $10 million ( 21:22 )Bonds vs bond funds, and the pros and cons of using each for money that you plan on needing in three years, for example ( 29:23 )An example of removing "cream from the coffee" with regards to after-tax contributions or basis in traditional IRAs, so you can convert just the after-tax contributions without the pro rata rule making some of that conversion taxable ( 33:44 )Participating in fully paid securities lending programs at your brokerage custodian, where the custodian will borrow some of your securities out of your account and pay you some interest for doing so ( 41:50 )Thoughts about rolling over an HSA from one custodian to another, and whether it's better to do a direct custodian-to-custodian transfer (even if the money is out of the markets for a few weeks), or an indirect 60-day rollover (which will likely be processed and reinvested faster) ( 48:10 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:Tenon Financial monthly newsletter/blog - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

In this episode, Ben Felix and Braden Warwick unpack the surprisingly complex world of expected return modeling and why it matters so much for retirement projections, portfolio construction, and financial advice. They explain how PWL Capital currently estimates expected returns across asset classes, why traditional Monte Carlo methods relying on Gaussian distributions may miss important market behaviors, and how new research could improve the realism of long-term financial planning simulations. The conversation also explores a fascinating collaboration between PWL and Columbia Engineering student John Yang, who worked with Professor Michael Robbins on a project to build more realistic synthetic return data for financial planning. John explains how his team used empirical distributions, t-copulas, and Extreme Value Theory to better capture market crashes, fat tails, and asset co-movements during periods of stress. Ben and Braden then analyze how these improved simulation methods affect financial planning outcomes, sustainable spending estimates, and projections for long-term wealth accumulation.   Key Points From This Episode: (0:00:00) Introduction to expected return modeling and why it matters for financial planning.  (0:00:25) The importance of volatility, correlations, distribution shape, and time-series behavior in portfolio projections.  (0:01:26) How Scott Cederburg's research on block bootstrapping influenced PWL's thinking on simulations.  (0:02:03) Introduction to Columbia Engineering student John Yang and the industry research collaboration.  (0:03:30) How Conquest Planning allows PWL to upload custom return simulations.  (0:04:05) A new PWL client's detailed reasoning for moving from DIY investing to working with an advisor.  (0:06:22) Why financial planning and Monte Carlo simulations were central to the client's decision.  (0:07:22) Cross-border financial complexity and the value of professional advice.  (0:08:03) Estate planning, cognitive decline, and the role of trusted financial relationships.  (0:10:02) Research on cognitive decline and its impact on financial decision-making.  (0:12:00) Delegation, accountability, and reducing mental overhead through advisory relationships.  (0:13:47) Why the client chose PWL specifically and the appeal of evidence-based investing.  (0:15:25) Ben and Braden discuss the perceived disconnect between online discourse and demand for AUM advisors.  (0:16:12) Overview of PWL's methodology for estimating expected returns across asset classes.  (0:17:05) How PWL combines historical returns with market-implied expected returns.  (0:18:07) The use of factor premiums and expected return composition in taxable projections.  (0:18:48) Why PWL previously relied on Gaussian multivariate normal distributions for simulations.  (0:19:41) Arithmetic vs. geometric mean returns and why the distinction matters.  (0:21:01) A simple example illustrating volatility drag.  (0:23:29) Why diversification benefits must be incorporated into expected portfolio returns.  (0:25:15) How correcting portfolio math improved expected return estimates by 20–30 basis points.  (0:27:12) Transition to John Yang's interview and introduction to synthetic data generation.  (0:30:07) John explains the limitations of Gaussian return assumptions.  (0:31:04) Why realistic sequences of returns matter for retirement planning.  (0:32:16) Empirical evidence that returns are not truly random.  (0:33:25) The three modeling challenges: unique asset behavior, realistic co-movement, and tail risk.  (0:37:49) Separating marginal distributions from dependency structures in the modeling process.  (0:38:48) Using a t-copula to better model asset co-movement during market stress.  (0:39:39) Why historical data alone struggles to capture rare crisis events.  (0:40:06) Applying Extreme Value Theory and Generalized Pareto Distributions to model tail risk.  (0:42:15) How Monte Carlo simulations generate many realistic future return paths.  (0:43:00) Imposing forward-looking expected returns and volatility assumptions onto the simulations.  (0:44:56) How the new framework better preserves skewness and kurtosis.  (0:46:38) Evaluating the new model using marginal shape, tail behavior, and co-movement scores.  (0:48:10) Why the new model significantly improved tail realism without sacrificing correlations.  (0:49:05) Future extensions including dynamic correlations and volatility clustering.  (0:50:28) Potential future use of GANs and machine learning for synthetic financial data.  (0:52:02) Key takeaway: financial planning requires realistic return paths, not just summary statistics.  (0:53:41) Braden analyzes how the new simulation framework affects financial advice.  (0:55:04) Why monthly index data produced fatter tails than long-term annual DMS data.  (0:58:47) The new model improved Monte Carlo success rates by roughly 2–3%.  (1:00:25) Sustainable spending estimates changed only modestly under the new simulations.  (1:02:27) Why the improved methodology matters more for alternative asset classes.  (1:04:25) The surprising finding that median wealth outcomes increased while mean outcomes decreased.  (1:05:47) Why Gaussian simulations can create unrealistic runaway wealth scenarios.  (1:07:20) The practical implications for estate planning and multi-generational wealth projections.  (1:08:30) Why better simulation methods are especially important for concentrated and alternative investments.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)  

Today, Katie chats with intuitive healer and friend of the podcast, Angelica Neri, for a powerful conversation about intuition, female entrepreneurship and spiritual growth. They share how to distinguish the voice of intuition from the ego, cultivate calm in the midst of solopreneur chaos and build a business rooted in purpose and connection to spirit. If you're ready to finally start the business of your dreams, this episode will leave you feeling inspired and empowered to begin! Thank you to our friends at Banyan Botanicals for sponsoring this episode! Click here to learn more about Katie's favorite Banyan products and try them yourself. Use the discount code KATIES15 for 15% off your first purchase! In this episode for female entrepreneurs, you'll hear: ~ How Katie and Angelica tune in to their intuition ~ The #1 enemy of the intuition ~ Sohum Mountain Healing Resort with Dr. Lad ~ Why Tantrics seek out graveyards ~ A Buddhist practice to release comparison and judgment ~ Dissolving an old identity to step into your new role as a female entrepreneur ~ The Ayurvedic concept of Bindu Visarga ~ The biggest destroyer of new businesses ~ Parallels between female entrepreneurship and the spiritual journey ~ Tips for becoming a successful female entrepreneur ~ Separating yourself, your ego and your business ~ Being a vessel for spirit ~ How to distinguish between the voices of ego and intuition   Connect with Angelica Neri: ~ Check out Angelica's Shift Your Frequency Program! ~ Follow Angelica on Instagram ~ Listen to Angelica on The Divine Feminine Healer's Podcast Connect with Katie and The Shakti School: ~ Sign up for our free mini-course about Women's Wisdom and Ayurveda! ~ Follow The Shakti School on Instagram and Facebook ~ Read Katie's latest book, Glow-Worthy! Get the full show notes here: https://theshaktischool.com/ep-245-spirit-led-business-success-for-female-entrepreneurs/

This week’s guest is Ben Hansen. Ron and Ben discussed how Ben helps companies improve their profit margins, dealing with “profititis,” shifting your focus from revenue to profitability, and more. An MP3 audio version of this episode is available for download here. In this episode you’ll learn: Ben’s quote (2:23) His background (3:59) How Ben helps companies double their profits (6:57) The most common “profit leaks” (9:28) An example using a manufacturing facility (20:17) About “profititis” (23:29) How you address it (26:05) Shifting the focus from revenue to profitability (27:38) Ben’s thoughts on accounting (32:05) Separating the signal from the noise (36:09) Ben’s parting thoughts (37:24) Podcast Resources Right Click to Download this Podcast as an MP3 Ben on LinkedIn Get All the Latest News from Gemba Academy Our newsletter is a great way to receive updates on new courses, blog posts, and more. Sign up here. What Do You Think? Has your business ever suffered from profit leaks or profititis? How did you know?

While waiting to hear back from a friend, Rosie notices how fast her mind starts spiraling. Did I do something? Are we weird now? But as she sits with it, she eventually realizes the stress isn't really coming from the silence, it's coming from all the meaning she's attaching to it. Learn more about your ad choices. Visit megaphone.fm/adchoices

All you late night caffeine drinkers, it turns out that habit might be making you more impulsive. And with all the news of the hantavirus outbreak, we've brought on Laurel Bristow to break down what we know about hantavirus historically, what's happening now and if there's anything to fear. And later on, we'll learn what is actually happening with brain-based computers and how soon the future might be here. Link to Show Notes HERE Follow Curiosity Weekly on your favorite podcast app to get smarter with Dr. Samantha Yammine — for free! Still curious? Get science shows, nature documentaries, and more real-life entertainment on discovery+! Go to https://discoveryplus.com/curiosity to start your 7-day free trial. Terms apply. Hosted on Acast. See acast.com/privacy for more information.