Podcasts about Sequence

In this episode, Wes shares why retiring as soon as possible is more critical than most people realize. He highlights why waiting too long can cost you the best, most active years of your life, and explains how the Retire Sooner Method helps you shave years off your career so you can enjoy true freedom while you still have the energy to use it. Also, Wes tackles one of the biggest threats facing new retirees today: Sequence of Returns Risk. Even in a strong market, market downturns in the first few years of retirement can drastically alter your long-term wealth. Through a side-by-side example of two retirees with identical 5% average returns, Wes demonstrates how early negative returns during active withdrawals can leave one person with nearly a million dollars less than the other. You'll gain a clear understanding of why timing matters just as much as average returns, along with practical steps to adjust early withdrawal strategies and safeguard your nest egg against market volatility. Mentioned on the show: Understanding The Biggest Risk to New Retirees (Sequence of Return Risk) All this and more on the September 1, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – pre-order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The differences between an adult Sunday school class and one for kids are quite striking. A class for toddlers and preschoolers is rarely organized around the logic of a Bible passage, or even a lesson outline. Instead, lessons are structured by the classroom schedule and environment—by a basic routine and activity centers that are designed for play, music, the Bible story, and other games or crafts. How do we prepare children's lessons that are Christ-centered, biblically faithful, engaging for kids, and oriented towards the distinct ways that kids learn? This workshop will help you learn how to do just that. Jared Kennedy serves as an editor for The Gospel Coalition. He is also co-founder of Gospel-Centered Family and the author of books for children and families like Faith-Builder Catechism (New Growth Press, 2023), Keeping Your Children's Ministry on Mission (Crossway, 2022), and The Beginner's Gospel Story Bible (New Growth, 2017). He, his wife Megan, and their three daughters live in Louisville, Kentucky, where they attend Sojourn Church Midtown. Announcing Rooted Children's Ministry Curriculum: Why and How to Use 'Gospel Basics' Building a Scope and Sequence for Biblical Literacy in Children's Ministry and Parents by Tara Davis and Cameron Cole Follow @therootedministry on Instagram for more updates.  Register for the Rooted 2026 Conference in Nashville. Hosted by: Danny Kwon, author of Teenagers and Mental Health; Becca Heck, M. Div. from Reformed Theological Seminary; Isaiah Marshall, Rooted's Director of Ministry Development; and Josh Hussung, M. Div. in Pastor Studies from the Southern Baptist Theological Seminary.

AI's appetite for data centers is sending tech giants to the bond market—and some of that debt will still be around in 2075. Don and Tom look at the scale of the borrowing and why a tempting yield deserves a closer look.They separate coupon rate from yield to maturity, explain senior unsecured debt, and show how brutally interest-rate-sensitive a 50-year bond can be. The verdict: these bonds may belong in a broad index, but they don't belong on your personal shopping list.Listener questions cover sequence-of-return risk, Roth IRAs versus 529s for children, and the smart savings order for a 19-year-old earning real money for the first time.Timestamps:0:38 AI, data centers, and corporate debt3:40 The $50 trillion U.S. bond market5:21 Big Tech's borrowing binge7:06 Coupon rate versus yield to maturity8:10 The danger in a 50-year bond12:45 Sequence-of-return risk in retirement16:05 Roth IRAs and 529s for children20:14 A young saver's order of operationsQuestions? Comments? Click!

Euphoric Garden 470 mixed by W!SS 1. Ruben de Ronde - Time Traveller [Statement! Recordings] 2. John Clarcq - Light Fury [Redux Red] 3. Huvagen - Love You Forever [Interplay Records] 4. Mars Shadow - The Ninth Circle [2Rock Electronic] 5. Steve Sunrise - Every Single Day (Original Mix) 6. ORMUS - Sensirith [Addictive Sounds] 7. Alex Mueller, Retrika, Andrew Galaxy - Save Me [Interplay Records] 8. LUMIXT - You Lost (Original Mix) [Gert Records] 9. Gareth Emery - Into The Light (Bigfett Extended Remix) 10. Gianmarco Fabbretti - Love Won't Stop [Antima Music] 11. George Jema, Yasmin Jane - Sweet Surrender [Suanda Music] 12. FEEL, Twin View - Lights (Twin View Extended Mix) [Suanda Music] 13. Cofee - Moonlight Dust (Extended Mix) 14. Sequence 11 feat. Aliciya Angel - Until We Meet Again 2026 [Synchronized Melodies] 15. Maywave - Emotions Trip [Narratology Recordings] 16. Sound Players - Clouds Above (Original Mix) 17. Matteo Ferri - Lilium [TSOE] 18. STNX & BANKBURN - Reformasi [State Control Records] 19. Armin van Buuren, Ferry Corsten, Rank 1 & Ruben de Ronde - Destination (A State of Trance 2024 Anthem) (Andrew Rayel pres. EXTASIA Extended Remix) [A State Of Trance] 20. Peter Miethig - Bring It Back [Suanda Music] 21. Mauro Picotto & T78 - Papaye [Armada Music] 22. Jose Amnesia - The Eternal (CIElll Extended Remix) [Armada Captivating] 23. S3PPA - Inner Peace 24. Dave Cold, DocDistortion - Broken Skies [Extrema Global Music] 25. U-Mount - Your Own Worst Enemy [Narratology Recordings] 26. Hypersia & HKL - Believe [Hypersia Records] 27. W!SS - ID

Aria Shahrokhshahi (b. 1996) is a British-Iranian multi-disciplinary artist, whose practice has been shaped by a deep fascination with the intricate dynamics of diverse communities and the complexities of the human condition. With a focus on social structures and the human experience, Shahrokhshahi's work serves as a critical exploration of the relationships and power dynamics that inform everyday life. Aria's debut photobook, Wet Ground, featuring images from Ukraine shot over a period of several years both before and after the Russian invasion in Feburary 2022, was published in April 2026 by Loose Joints. He is currently putting the finishing touches to a feature documentary film entitled While We Heal, which also focusses on the war in Ukraine and explores the themes of healing, loss, and resilience.   On episode 288, Aria discusses, among other things: Formative experiences (11 different schools!) growing up in Nottingham How walking around the city with a camera was the start of his photography journey Negative feedback Facebook group / YouTube channel Early education at the Photo Parlour lab (later named Sequence) from Dan Wheelan Using large format and why the decision to shoot B&W came out of the cost of film Falling in love with Ukraine It not being enough to just take pictures Why ‘Ukraine, I guess?' was an informal category of picture during editing Having nothing to say about war but being interested in what happens around it The way in which war rearranges the social hierarchy Poem by Charlotte Shevchenko-Knight How the title ‘Wet Ground', and the book itself, came about The importance of collaboration The feature length doc he is making in Ukraine The importance of having a commercial practice Referenced: Lee Friedlander Laytoya Ruby Frazer Don McCullin Tim Hetherington (Which Way Is The Front Line From Here) Shelby Lee Adams Minor White Alec Soth Gregory Halpern Nigel Shafran Alessandra Sanguinetti Myriam Boulos Sohrab Hura Lightwork   Website | Instagram Become a A Small Voice podcast member here to access exclusive additional subscriber-only content and the full archive of 200+ previous episodes for £4 per month. Subscribe to my weekly newsletter here for everything A Small Voice related and much more besides. Follow me on Instagram here. Need a new website? I will build you one with Squarespace. Details here.

140 BPM uplifting trance shaped for a full-length listen Melodic breakdowns with peak-time drive Another chapter of Electronic Impressions Electronic Impressions 979 with Danny Grunow [2026] Archive: https://hearthis.at/danny-grunow/set/electronic-impressions-radio-show/ YouTube: https://youtu.be/ut9lf7qV65c Beatport Chart: https://www.beatport.com/de/chart/electronic-impressions-979/899130 1001Tracklists: https://1001.tl/2pcums21 All Platforms & Socials: https://linktr.ee/dannygrunow Promos: Want to be featured on the show? ✉️ promo@dannygrunow.com Tracklist: 01 Jon Mangan - Lodestar (Extended Mix) [Extrema Global Music] 02 Guyver - Man On The Moon (Wayne McAndrew Face-Lift Remix) [White Label] 03 Allan Berndtz & U-G - Prima Stella (Extended Mix) [Reason II Rise Music] 04 James Dust - Follow The Clouds (Extended Mix) [Reason II Rise Uplift] 05 Soulprism - Rise Again (Extended Mix) [Suanda Music] 06 Dens (CN) & Silva Aves - Cantabile Blossom (Extended Mix) [Abora Recordings] 07 Gareth Emery, Annabel & DJtry - Under The Sky (Broken Tides) (Extended Mix) [Gareth Emery] 08 NyTiGen, Alexander Turok & Aniølkü - I Love You (Extended Mix) [2Rock Recordings] 09 Hans van Helden - The Other Side (Original Mix) [Bring The Noise] 10 SMR LVE - Where I Begin (Extended Mix) [Suanda Music] 11 Casey Allen - Eleven Echoes Of The Abyss (Supernova Mix) [Suanda Music] 12 Matteo Ferri - Lilium (Extended Mix) [TSOE Records] 13 Vinny DeGeorge - Genesis (Original Mix) [Astraeus Records] 14 Lunar Lander - Beyond The Reef (Original Mix) [Reason II Rise Uplift] 15 Riot Bros - Ripped Out (Wayne McAndrew Face-Lift Remix) [White Label] 16 Sequence 11 feat. Aliciya Angel - Until We Meet Again 2026 (Extended Mix) [Synchronized Melodies] 17 Adrian Morton - No More Silence (Extended Mix) [Suanda Music] 18 Brandon Beatty - Running Star (Extended Mix) [State Control Records] 19 Giuseppe Ottaviani feat. Diana Goldberg - Hold On (Extended Mix) [Armada Music] 20 JARR Head - Raise The Bar (Extended Mix) [Adrenalize Recordings] 21 Made Of Light - Another Way (Extended) [Le Voyage Recordings] ( https://www.beatport.com/de/track/another-way/30026743 - Missing in the BP chart ) 22 Risen - Afterlife (Extended Mix) [Suanda Music] 23 Nicola Maddaloni - Defender (Extended Mix) [Proximum] 24 Ithur - Romantic Affair (Extended Mix) [Think Trance] 25 XMeng & Darkingz - Dragon Slayer (Extended Mix) [Suanda Music] 26 Tranceview - Never Lose Hope (Extended Mix) [Endlessky Uplifting] 27 Helena Kristiansson - Pharus (Extended Mix) [TranZone Recordings] 28 Jason Darkness - Losing Home (Extended Mix) [Cooperation Trance] 29 Paul Oakenfold, Daxson & RAM - RAMsterdam (Extended Mix) [Perfecto Records] 30 Laucco - Teshio (Casepeat Remix) [Aerodynamica Music] 31 TH3 ONE - Explosion (Original Mix) [Avena Records]

Last week I broke down the three foundational pillars of any great offer, and today, I'm following it up with the part most people dread: actually pitching the thing! In this episode, I walk you through my 11-step perfect pitch sequence, the exact framework that has been responsible for almost $110 million in sales in my business.  This works everywhere. Webinar, live, email, automated funnel, the ingredients and the order never change. Let's get into it! Snap a screenshot of the episode playing on your device, post it to your Instagram Stories and tag us, @jameswedmore and @jenniwedmore. We'd love to hear what resonated with you the most from this episode and especially what you want covered in future ones.  In this episode you'll hear:  The PSP formula and how to use it as a cheat code to transition seamlessly into your pitch every single time Why you should be writing 60 headlines before you write a single word of your offer copy The power of addressing the biggest elephant in the room early in your pitch and exactly what happens when you ignore it instead Why your offer modules should each feel like their own standalone product worth the price of the whole thing The pricing story and the reason that leading with the price before you've built any context is the fastest way to make people think it's too expensive Why a longer refund window actually reduces refunds, and the one situation where I recommend having no refund policy at all The million-dollar bonus strategy: how to use your value-add section to dismantle the exact objections that would have stopped someone from buying How the "fast acting bonus" can be the difference between people buying now versus never Why 95% of all questions that come in after you make an offer are actually objections in disguise, and the way to respond that gets to the root belief underneath For full show notes and links, visit: www.mindyourbusinesspodcast.com/blog/842 

Teaching physical science completely changed my perspective as an educator. It started out as the course I least wanted to teach, and somehow became the one I'd request if I ever returned to the classroom full-time! In this episode, I'm sharing why I fell in love with teaching physical science, the scope and sequence I used in my own classroom, and the big-picture goals that shaped every lesson. I'll also take you behind the scenes of the newly revamped It's Not Rocket Science® Physical Science curriculum, packed with new inquiry activities, engineering challenges, and classroom supports. Whether you're teaching physical science for the first time or looking for new ideas, this episode will leave you feeling excited and ready to make this one of your favorite courses to teach!➡️ Show Notes: https://itsnotrocketscienceclassroom.com/episode247Resources:Physical Science FULL YEAR CurriculumPhysical Science curriculum on TpT (over 400 5-star reviews!!)Physical Science Units Physical Science Scope and Sequence blog postSupplies Spreadsheet for INRS Physical Science curriculum FREEBIE - Get the Physical Science Pacing Guide Download your FREE Classroom Reset Challenge.Take the Free Labs When Limited virtual PD courseSend me a DM on Instagram: @its.not.rocket.scienceSend me an email: rebecca@itsnotrocketscienceclassroom.com  Follow, rate, and review on Apple Podcasts.Follow, rate, and comment on Spotify.Related Episodes:Episode 209, Anatomy Scope and Sequence: How and Why I Teach Anatomy the Way That I Do Episode 220, Biology Scope and Sequence: How and Why I Teach Biology the Way That I Do Episode 232, Chemistry Scope and Sequence: How and Why I Teach Chemistry the Way That I Do

Introduction: How to Have a Church Service, God's Way (1 Corinthians 14:26-40) BUILD UP believers. (1 Cor 14:26b) ELIMINATE the chaos. (1 Cor 14:27-33a) WOMEN don't preach. (1 Cor 14:33b-35) 1 Timothy 2:12-14 - I do not permit a woman to teach or to exercise authority over a man; rather, she is to remain quiet. For Adam was formed first, then Eve; and Adam was not deceived, but the woman was deceived and became a transgressor. None of this is up for DEBATE . (1 Cor 14:36-40) Sermon Notes (PDF): BLANKHint: Highlight blanks above for answers! Questions and Answers: What Should a Worship Service Look Like? Jeff Miller Download Audio Transcript 00:36You know, just a few days ago, in this very room, it was complete chaos. It was so good. I mean, VBS, it was complete chaos, right? You're going to hear more about it later. We're going to show you a video. But just kids on top of kids, people screaming and throwing. There was slime dripping from the ceiling. Wasn't supposed to, but there was.01:06And it was just, it was chaos and it was beautiful. Which is fine for vacation Bible school, but chaos is not something that should describe Sunday morning. And that takes us to the passage we're looking at today. So I'm going to ask you to please pray for me.01:36Faithfully represent God's Word. That's all we try to do here at Harvest Bible Chapel. We're not preaching our opinion or scratching itchy ears. We just want to represent the Word of God. And I'm asking you to please pray for me to do that faithfully, and I will pray for you to receive what it is that the Lord has said in His Word. All right? Let's just take a moment and pray.02:09Father, when we open the Bible, the question is, is this from God?02:21Father, we have solidly come to that conclusion.02:25We believe that this is your word.02:28When it says things that we like, and when it says things that we maybe struggle to believe, It's your word. And I pray today, Father, for all of us. You eliminate any distractions or preconceived notions and allow us to receive what it is that your word actually says. We pray in Jesus' name. And all of God's people said, Amen. 1 Corinthians chapter 14. Chapters 11 through 14.03:04in 1 Corinthians is all about corporate worship. Right? And we've been talking through this series. We had a little break from Pastor Taylor's excellent message taking us back to the Old Testament. But in this section in particular where we find ourselves, we're talking about speaking in tongues. And you can go back and review those. But tongues, there was a legit miracle gift. And if you study your Bibles, Speaking in tongues was speaking a known language. All right. It was an existing language, but the speaker, they didn't know that language. They didn't study, but they would. It'd be like if I got up and started speaking Mandarin. I don't know Mandarin, but I started speaking Mandarin because there were Mandarin speaking people in the congregation. That's what the gift of tongues was about. We saw. Previously, the tongues was a sign of judgment.04:04Israel had rejected the Messiah. And tongues was God's way of saying, okay, you're going to hear a language you don't understand because you've rejected me. I'm moving on to other people. And it was for the season of transition from the old covenant to the new covenant. We saw in chapter 13, verse eight, he said, tongues will cease. It's going to come to an end. It was only for a season.04:34The Pagan Practice of Tongues. In many pagan religions, there would be this ecstatic screaming of sounds. They weren't real languages. It's just screaming this gibberish. And the Corinthians brought that into church. It's chaos. There's chaos. Look at verse 26, where we left off last time. Verse 26. Paul says, What then, brothers? When you come together, each one has a hymn, a lesson, a revelation, a tongue, or an interpretation. Stop right there. That's not a command, by the way. He's describing the chaos. He's like, here's what your church service is. Everybody shows up, and everybody is like, ooh, ooh, me, I want to teach. I want to speak in tongues. I'm going to sing. And everybody was doing it.05:33And it was just this circus. He says your worship services are just chaos. You have the gibberish. You have misusing the real gift of speaking in tongues. You have the debacle that you've made the Lord's Supper. You have women preaching. You have people showing off. Your services are a complete mess. And it'd be real easy for us to look.06:03and say, wow, yeah, glad we've matured from that. But sadly, many things that are called church services are still a real mess. What have we turned worshiping our Savior God, what have we turned that into? For some churches, it's putting on a concert and giving a pep talk.06:33heresy, screaming gibberish, holy laughter, holy barking, craziness, chaos. So much being done in the name of worshiping the Lord that is anything but actually worshiping the Lord. And you're like, whoa, whoa, whoa, whoa, hang on a second, hang on.07:01Who says what should happen in a church service anyways? Well, I would suggest to you God. The God that we worship has told us how we should worship. So very simply, in this passage we're looking at today, Paul is outlining here's what a worship service should be. That's what this passage is. What should happen in a church service? Paul's like, this is what should happen right here.07:31So, on your outline, how to have a church service God's way. Number one, first thing has to happen, absolutely has to happen. He says it first because this has to be the primary drive. Number one is build up believers. Build up believers. Look at the end of verse 26. He says, let all things be done.08:01For building up.08:07Here's a philosophical slash theological question for you.08:11Who is church service for?08:13Is it for believers or for unbelievers?08:19Biblically, church service is for believers.08:23Now listen, if you're here today and you're not a believer and somebody invited you, we're so glad that you're here.08:29But we're going to tell you to receive Christ. We're going to tell you to believe what the believers here believe. That we are, by nature and by birth, we are alienated sinners from God. And God reconciled us to himself through the death of his son, Jesus Christ. And he commands us. He commands us to turn from our sin and to believe in Jesus Christ. And when you do, you are saved. You are a child of God. That's the gospel.08:59The goal biblically in our worship service should be building up believers. Like, what parts of the service? Well, your Bible says the same thing that mine does. Let all things, all things be done for building up. It's teaching God's truth and teaching believers how to apply God's truth. I'm not going to spend a lot of time on this because we have talked so much about this through 1 Corinthians chapter 14.09:29Church is where you go to give, not go to get. Over and over and over and over and over. Paul says edify, build up, edify, build up. It's just been the theme of this whole chapter. Paul says when you go to church, you should go to church ready to serve other people. That should be your mindset. I'm not here to get, I'm here to give. You're like, well, what about evangelism?10:01I'll study the book of Acts. When believers are built up, they are prepared to reach the lost in their lives. There's lost people in your life, in your sphere of friends, influence. You need to be built up here so you can go to them and share the gospel of Christ. The church is not what's in it for me, but.10:29Everything we do here has to have the mindset of what can we do to build up believers. That's what he says. So number one, how to have a church service God's way, build up believers. Number two, he says, eliminate the chaos. You've got to eliminate the chaos. Here he talks about two gifts. Just for that day that were not used appropriately in Corinth. Tongues, even the legit, They weren't doing that right. And prophesying. And understand again, the New Testament was being written during this day. So prophets were getting new revelation from God. We don't get that now that the Bible is complete. Right? Those blank pages in the back of your Bible aren't for you adding to Scripture. That's not what that's for.11:32But there were two gifts in that day that were being wildly misused, and it was contributing to the chaos. Tongues and prophecy. First, he addresses tongues. Okay? Legit gift of speaking in tongues. How do we do it? How do we do it? Look at verse 27. He says, and let someone interpret.12:02But if there is no one to interpret, let each of them keep silent in church and speak to himself and to God.12:10First of all, speaking in tongues.12:12They're assuming here, Paul's assuming, that someone is present in church who speaks a foreign language.12:19And you see his guidelines.12:20He goes, okay, two or three of you, not everyone, and take turns and you have to have an interpreter for the sake of the people there that don't speak that language. Right? If somebody's here that speaks Mandarin and I got up and spoke Mandarin, like the rest of you are like, what's going on? You need an interpreter to say, here is what is being said. That's how the gift works. Again, we studied all that several weeks ago. But then he says, if you don't have an interpreter, just sit there and pray silently.12:59So let me ask you.13:01If you've been to or seen a Pentecostal or Charismatic church service, is that how it's done?13:07Is that typically how speaking in tongues happens?13:12You're afraid to say, aren't you?13:15All right.13:16No, that's not how people do it.13:20It's chaos.13:22And that's what Paul's saying.13:23Are you going to knock that chaos off?13:25Right? Then he talks about prophesying. Look at verses 29 through 31. Prophesying. He goes, let two or three prophets speak. Let the others weigh what is said. If a revelation is made to another sitting there, let the first be silent. For you can all prophesy one by one so that all may learn and all be encouraged.13:55Stop there. Again, prophesying. Prophesying. He's like, just again, two or three. Right? And let the others discern if what is being said is actually from God. Weigh it. Right? And again, some people were preaching already revealed information. Maybe preaching something from the Old Testament. And in this day, as the New Testament was being written and God was giving revelation, There'd be somebody sitting there in church that God would give a revelation to. And Paul says, if that guy has a revelation, the guy that's speaking the old information, have him sit down. Let new revelation guys speak. Right? Then look at verse 32. He says, and the spirits of prophets are subject to prophets.14:55What in the world does that mean? It means this. The church was chaos, right? So you pull a guy aside that is a... He just can't help it. He comes to church and he's belting it out. I'm going to prophesy. And he's contributing to the chaos. And it's like, you're not supposed to do that. Remember, two or three...15:25What's he gonna say? Here's what he's gonna say. He's gonna say, I can't help it. I can't help it. Oh, and the spirit comes on me. I just can't help it. I just it just comes out. I can't control myself. And and that's why, you know, you want me to be quiet, but I can't be quiet. Because when the spirit's on me, I just can't be quiet. And verse 32, Paul's like wrong. The spirit of prophets are subject to the prophets, meaning this.15:55He's saying, every spiritual gift is used under the complete control of the one who has the gift.16:03The Holy Spirit does not come upon a person and make that person lose control of themselves.16:10That does not happen.16:12Okay?16:13That does not happen.16:15Paul says, your gifts are under your control.16:20Right?16:21So the exact ways these two gifts were used were Corinth specific, but there's a principle that certainly holds for us today. And it's look at verse 33. The first part, he says, for God is not a God of confusion, but of peace. Paul says a service to worship God should represent God's care.16:52God is a God of peace. He's not a God of confusion. He said, listen, church cannot be a free for all. So you have to eliminate any chaos. Worship has to be orderly because otherwise people will not get built up. And that is why we're here is to build each other up. So that's what he's saying here. Eliminate the chaos. You've got to eliminate the chaos.17:20So how to have a church service God's way, build up believers, eliminate the chaos. Number three, he says, women don't preach. Women don't preach. Look at what he says. Now, the second half of verse 33, it actually goes with this section, not the previous section, right? In my Bible, it's actually indented as a new paragraph, and that's appropriate.17:51He says, As in all the churches of the saints, the women should keep silent in the churches, for they are not permitted to speak, but should be in submission, as the law also says.18:08All the churches.18:10All the churches.18:11Do you notice that?18:13All the churches.18:14Was it just a problem in Corinth?18:17Apparently not.18:19All the churches.18:21Was it just a problem in the first century?18:25All the churches.18:26Today.18:27Today.18:29Look, I never.18:31I can't remember a period of my life.18:39Where we as a culture have been so messed up about gender issues.18:43I just don't understand that.18:46One of the first things little kids learn.18:50We're so confused about gender stuff, right? Look at our culture. Gender is fluid. I was born one way, but now I can be another way, right? We have people in prominent positions that can't define what a woman is. And some of the same people saying that men can get pregnant. We have trans men or trans women. I can't ever remember.19:18The man who's dressed like a woman playing woman's sports, whatever that is. We're just so mixed up over gender things. And we in the church are like, well, we're not mixed up over gender issues. We have a big one. Let's talk about it. You know, the big gender issue in the church, can women be pastors?19:49It's a hot button issue. But I want you to hear me. The Bible is clear and it has not changed. Women are not to preach in church. And listen, I want you to hear me out, okay? You put your church clothes on and you showed up. So can you just stay and hear me out? I am not anti-woman. I'm married to one.20:19Without a doubt, my absolute most favorite human on the planet is a woman. And there's not even a close second. Okay, I'm not anti-woman. I'm not anti-woman. My mother, rest her soul, my mother was a woman. My sister, also a woman. We have so many faithful servants of Christ here in this church.20:48at this church.20:49I am not anti-woman.20:51I am not anti-woman.20:55But I'm also very much pro-Bible.21:00And the Bible straightforwardly says that the role of pastor, elder, preacher, shepherd, all the same thing.21:10The Bible clearly says that role is for men.21:17It's not my opinion.21:19That wasn't the consensus of the elder think tank. That's what the Bible says. Now you said you'd hear me out. There are so many arguments for pro-women pastors. So many arguments. I'm just going to share a few of them. Some people argue pro-woman pastor. Some people say, hey, hey, hey, look, Women are equal.21:49All right.21:50That's awfully sexist of you.21:52Women are equal.21:53Yes.21:54Yes.21:56Women aren't equal, but equal does not mean the same.22:02Equal does not mean we all have the same roles.22:04Where you work, I'm sure that you're equal with your boss.22:09But you have different roles.22:11Okay.22:13So yes, equal.22:15Not same.22:18Here's another pro-woman-pastor argument I've heard several times. Like, I know this woman pastor and she's fantastic. I went to this church and they had this woman pastor. She's fantastic. It just doesn't matter how good of a speaker you thought she was. A woman pastor is not a thing. Study your Bibles. There is no teaching in the Old Testament.22:45for installing a woman as a priest. And there's no teaching in the New Testament on how to install a woman as a pastor. In fact, all of the instructions for priests in the Old Testament, for pastors, shepherds, elders in the New Testament, it's directed towards men. Titus 1.6 says that elders, pastors should be the husband of one wife. Assuming, Paul was assuming that this was a, role for men.23:18But as soon as you say that, as soon as you say, well, there's no example of women pastors in the Bible.23:25As soon as you say that, some of you might already be thinking it.23:31Somebody thinks they got the trump card on that.23:33They're like, ah, what about Deborah?23:39You heard that one?23:39What about Deborah?23:43Deborah?23:43If you're unfamiliar with the story, I'll paraphrase it for you. Judges chapters 4 and 5. God called a man named Barak to serve him in leading Israel, and he wussed out. And Deborah had to step up and lead, because the man that God called was a chicken.24:16Oh, by the way, this is in the book of Judges. Deborah wasn't a pastor. All right. She wasn't even a priest. She was a military leader. That's what a judge was. Oh, and by the way, if you're looking in your Bible for examples on how to faithfully love and serve and obey and follow the Lord, I would not suggest going to the book of Judges for examples of that. Have you read the book of Judges? It is the craziest book of the Bible. Everyone did what was right in their own eyes. The stuff that happens is just crazy. But somebody comes along and says, well, Deborah. Deborah wasn't a pastor. Deborah wasn't a pastor. But then our more New Testament minded people, say, oh, I know who, you say no woman pastors, but what about, what about, what about Tequila and Priscilla? And I'm like, well, it's Akila and Priscilla, but I know who you're talking about. Acts chapter 18. These two together taught Apollos the way of the Lord more excellently, but it doesn't say anything in that passage about Priscilla being a pastor. It just doesn't say that. It'd be like if a newer believer came to church today, all fired up, all fired up, and their theology is a little off. And I'm like, hey, why don't you go to lunch with the calls? And Matt and Lexi take this person to lunch and teach them the Word of God. That doesn't make Lexi a pastor, all right?26:13A disciple maker, yes, but not a pastor. Neither was Priscilla. But here by far is the biggest objection that you hear. You know it's coming. When you say, well, you shouldn't have women pastors. The Bible says you shouldn't have women pastors. You know what the number one objection is to that. Well, that was just cultural. You hear that one? That was just cultural.26:43back then. What you have to understand in the first century Corinth culture, the first century Ephesian culture, what you've got to understand about the first century culture is they really hated women back then. Look at what Paul told Timothy, 1 Timothy 2. We're not going to unpack all this, but I just want you to see one thing here. Paul says, I do not permit a woman to teach or to exercise authority over a man. Rather, she is to remain quiet. Exactly what he says here. 1 Corinthians 14. Look, for Adam was formed first, then Eve. And Adam was not deceived, but the woman was deceived and became a transgressor. Now, we're not going to unpack all that, but just one thing I want you to note. Paul's reasoning. Paul's reasoning that the woman is not to teach, or preach in church? His reasoning, is it cultural or is it theological? What's his reason? It's theological. And I've had people come at me hard wanting to argue this, and I show them this passage, and their answer is, well, it looks theological, but, but, no, no, no, Corinthian culture. Like, no, no, no, but, look, his reasoning is theological. You can study that yourself. Look at verse 34 again.28:11Back in 1 Corinthians 14. Look at the last phrase here. He says, they are not permitted to speak, but look at this, but should be in submission as the law also says. As the law also says. Again, is his reasoning culture or theological? Like, well, what law? Authority was established at creation. Genesis 3, verse 16.28:43Women are not to be in authority over men, but in submission. And as soon as you say submission, people ready to throw down. Cash me outside, right? You're ready to fight. Because people think that when we say submission, what we mean is weakness. And we've preached this, we've taught this so many times, submission is not weakness.29:11Jesus Christ was in perfect submission to his father for every single thing that he did. You would not dare call him weak. Submission is strength. It takes strength to trust God by submitting to God's established authority. That takes strength. So we talk about women pastors, women not being pastors. We're not talking about issues of equality or talent or ability. We're just we're talking about roles. It's just roles.29:41God says, here's things that I want men to do, and here's things I want women to do. It's just that. And I got to tell you, church, I agree with the late, great John MacArthur, who many times I've heard him teach. The most obvious evidence that a church has abandoned the Word of God is when they have a woman pastor. He goes on. Look at verse 35.30:13He says, if there's anything they desire to learn, let them ask their husbands at home.30:19For it is shameful for a woman to speak in church.30:26It's shameful for a woman to speak in church.30:28The word shameful means it's a blemish on the church.30:32Not what it says.30:33Speak in church.30:34Speak.30:36Look at the context of the passage.30:37That's why we study the Bible in its context.30:40When it says speak, It's not like a woman walks in the door here. Hi, hi, where's your bathroom? It's like, keep your mouth shut, woman! Take your pagan ways out of here! You are not to speak. Look at the context. What's he talking about? He's talking about teaching and preaching in the church service, right? That's the obvious context. Yes, women can teach women. The Bible says, Titus chapter 2. Children.31:11He's talking here that a woman should not be up here preaching to the whole congregation. You have questions? He says, don't just shout them out in church. Men, don't do that either, all right? If you have questions, ask them in small group, ask them in Bible study, ask them in precepts, ask them whatever. Just not during church service, right? He says, ask your husbands. So husbands, You may be ready to answer some questions, especially after this sermon. If you don't have a husband, if you don't have a husband, a brother, a parent, a small group leader, an elder, yeah, if you're not married, I'm sure any of our elders would be glad to take a phone call from you and answer a question. See, God has a plan for order.32:10roles in the church. Faith means I trust God by doing things His way. And I know, look, I know. I know I'm going to get some texts and I'm going to get some emails because people are going to want to argue this. Right? And in Paul's day, as he wrote this letter and sent it off, He knew that people were going to want to argue this. Which is why I can honestly say I'm so thankful for this last section. Number four, Paul says none of this is up for debate. He knows as soon as you say, look, women should not be pastors. Women should not be preaching in church. People want to fight. And Paul says it's not up for debate.33:09liberal, church-minded, charismatic, feminist objections. And he goes pretty hard in the paint in the end of this. All right? So brace yourself. Look at verse 36. He says, or was it from you that the Word of God came? Or are you the only ones that has reached? See, Paul knew there were people going to read this, and they're like, I really think we should all speak in tongues. And I really think women should be pastors. And Paul's like, oh, oh, are you the authority? Oh, I'm sorry. Did somebody die and make you the expert? That's what Paul's saying. No. Look at verse 37. He says, if anyone thinks that he is a prophet or spiritual, he should acknowledge that the things I am writing to you are a commandment.34:09of the Lord. Listen, if you're spiritual, if you're really mature in your faith, you're going to acknowledge that this is from God. It's not cultural. It's not man's opinion. It's not something to be argued. Paul says God is commanding all of this. Verse 38. Pretty straightforward verse. Look at verse 38. He says, if anyone does not recognize this, he is not recognized.34:41Paul says, if you refuse to accept this, we refuse to accept you.34:50That's pretty straightforward.34:53Paul's saying, listen, a woman pastor is not a pastor.34:58And you're like, well, I think she is.34:59Paul's like, well, we don't recognize you.35:05Paul says, a church without order is not a church.35:08You can call yourself what you want.35:10But if you're calling yourself a church, but you're not having a worship service that follows an order and follows these biblical guidelines for teaching and for roles, because you're just not a church.35:27If anyone does not recognize this, he is not recognized.35:30So, verse 39, so my brothers, Earnestly desire to prophesy and do not forbid speaking in tongues. That's the call back to everything that we've talked about in this section. Prophecy, tongues, they were legit gifts in those days. The way that God used them. And that's what Paul's saying here. He goes, yeah, there's legit gifts here. Do them appropriately. Do it right. Do it right. And verse 40.36:04All of this was the introduction. Here's the sermon. Verse 40 is really the thesis of the whole passage. Paul says, but all things should be done decently and in order. Decently. The word decently means beautifully. It means in order. You're like, well, how are, What does that mean? You know, it would be like a man looking at his wife. Say, you know, you're put together perfectly. Everything is just in the right place. And you, everything is just, you're beautiful because there's just such an order and structure to you. Man, don't say that.37:05Everything just fits together on you. Maybe not, but you see the point. Everything fits together. Like, it's all working. It's all in harmony. It's so beautiful. That's what he's saying your worship service needs to be. Everything should fit together. Everything should be harmonious, beautiful. Your Bible might translate it decent.37:34It says, in order, in order, sequence, not chaos. Sequence, not chaos. God is beautiful. God has perfect harmony. And God rules the universe with clear order. So a worship service absolutely must reflect the God that we worship.38:04So our worship team makes their way up. I'd like you to bow your heads with me please. Father in heaven, sometimes your ways are hard to explain. But you haven't commanded us to explain you. You've commanded us to obey you. And your word is very clear.38:35that when we come together to worship, there are things that must happen, there are some things that must not happen.38:46And I'm sure as we go through this, I'm sure some point of this message, for every single one of us, probably each of us have experienced some point of tension.39:01Father help us to be like the Bereans look closely at your word are these things true and resolve that we're all called to submission ultimately Father we're called to submission to you and your word so I pray Father for Harvest Bible Chapel that as we gather for worship I pray Father that there is building up I pray that people are encouraged and edified.39:35And I pray, Father, that you look at all of this and you would regard it as beautiful.39:45You deserve everything we can give you.39:50You deserve so much more than that.39:53But let our hearts, Father, worship you in spirit and in truth.39:59We pray in Jesus' name.40:01Amen. Small Group DiscussionRead 1 Corinthians 14:26-40What was your big take-away from this passage / message?All things must “be done for building up” (1 Cor 14:26). List some ways “building up” happens in church.What arguments have you heard for having a woman pastor? What does 1 Cor 14:33-35 say about women preaching in church?BreakoutPray for one another.

Ep 301 Peacewarts Social Chemistry 101 - Temperature Before Truth (Class 2) Episode Summary: We examine the law of thermal dominance in social interactions. This class explores why facts fail in high-heat environments and introduces the "ER Rule" of stabilizing the nervous system before introducing the truth. We analyze the failure of the 1905 "Red Sunday" and the environmental escalation of the 1968 Chicago Convention. Homework: Look up the basic priorities of ER Trauma Protocol (Stabilization vs. Diagnosis). Write down one question about any of this episode's topics. If you don't have a question, write 'no question.' Optional: Journal about the "fuel effect" of facts during high-heat conflict. Books: If you'd like to read more on this subject, some book suggestions are The Polyvagal Theory in Therapy by Deb Dana, an accessible clinical guide on how physical nervous system states dictate emotional temperature and safety before logical processing can occur, and The Chimp Paradox by Steve Peters, a practical mind-management model detailing how to recognize when emotional arousal has hijacked the brain and how to restore calm before attempting rational communication. Learning Topics: Thermal Dominance; The Sequence of Truth; 1905 Bloody Sunday; 1968 Chicago Convention; The Validation Buffer; The Truth Embargo; The ER Rule. Join the Community / Get the Books:www.AvisKalfsbeek.com Podcast Music: Javier Peke Rodriguez “I am late, madame Curie”https://open.spotify.com/artist/3QuyqfXEKzrpUl6b12I3KW

Check out how Jim Edwards helps business owners continue the follow-up process to not just set up sign-up pages, but continue the communication with show-ups and then make sales. Your communications should demonstrate the value of attending. See https://www.copyandcontent.ai for tons of training on figuring out the right sales copy and content marketing. Jim sees a lot of people treat event/webinar registration like the finish line. Someone signs up for the webinar. Downloads the report. Grabs the free training. Clicks the button. And the business owner celebrates like they just won the Kentucky Derby. But that excitement falls apart rather quickly.Registration is not the end… Registration is the BEGINNING.That tiny distinction is where most of the money quietly evaporates. Not in a dramatic “the funnel is broken” kind of way. More like a leaky garden hose behind the shed. You don't notice it at first. Then one day you look at your numbers and wonder why 1,000 registrants turned into 43 attendees, 4 buyers, and a huge bill on your Facebook ads account. The event didn't fail. The follow-up did. And here is where this gets interesting. The fortune has never really been in the list, the webinar, the free report, or the traffic source.The fortune is in what happens after someone raises their hand to sign up.That's the part most people under develop. They spend weeks creating the webinar. Days tweaking the landing page. Hours arguing with themselves over the button color (like lime green somehow has magical conversion dust).  Then someone registers……And the pain begins. Be ready with follow-ups to get them from signups to sales. 

In this episode of Retire with Style, Alex Murguia and Wade Pfau explore how to manage retirement portfolios through the lens of sequence of returns risk. They discuss why the first decade of retirement is so critical, how longer retirement horizons can influence planning decisions, and where I bonds fit within an overall asset allocation strategy. Along the way, they examine the tradeoffs of I bonds, including tax deferral, inflation protection, and liquidity constraints, and share practical insights for balancing cash and bond holdings to support a more resilient retirement income plan. Listen now to learn more!   Takeaways The first ten years of retirement significantly impact financial outcomes. Sequence of returns risk decreases with a longer retirement horizon. Adjusting spending can mitigate sequence of returns risk. I bonds offer tax deferral benefits but have liquidity constraints. The gift box strategy allows for increased I bond purchases. Buffer assets can provide financial security during market downturns. It's essential to track your portfolio against your starting balance. Replenishing cash or bond allocations should be based on portfolio performance. Simple rules can be effective for managing retirement finances. Flexibility in spending is crucial for successful retirement planning. Chapters 00:00 Understanding Sequence of Returns Risk 09:00 Exploring I Bonds and Their Role in Retirement 18:09 Strategies for Managing Cash and Bond Allocations   Links

Cole Goldberg was 22 years old when his girlfriend — a woman who appeared on the TLC reality TV show 90 Day Fiancé: Happily Ever After — accused him of attempted murder at the 2022 Boca Bash, a massive annual boating event in Lake Boca Raton, claiming he held her head underwater during an argument on the boat. He was charged with attempted second-degree murder, domestic battery by strangulation, and simple battery — and spent nearly four years fighting those charges before finally going to trial. In this episode of Locked In with Ian Bick, he shares his complete account of what happened that day on the water, what facing an attempted murder charge for nearly four years actually required of him, why he turned down a plea deal that would have required six months in jail and three years of probation rather than accept a felony conviction, and what the judge's not guilty verdict on all counts actually produced in someone who spent four years living under the most serious accusation available. _____________________________________________ #florida #attemptedmurder #truecrimestories _____________________________________________  Connect with Cole Goldberg: https://www.instagram.com/lmcolee/ _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en  https://ianbick.com/ _____________________________________________ Timestamps: 00:00 Introduction and Background 01:01 Moving to Florida and Sports Life 02:13 College, Law Aspirations, and Life Changes  03:14 Bokea Bash: Setting the Scene 05:20 Day of the Incident: Boating and Tensions  07:52 Boat Hopping, Parties, and Escalation  09:13 Drinking, Arguments, and Boat Incident 12:13 Accusations Begin and Sequence of Events 16:13 Events Escalate: The Swimming Incident 20:22 Alleged Drowning and Confrontation 24:22 Police Arrive: Investigation and Arrests 29:13 In Jail: The Fallout and Media Frenzy 33:39 Public Opinion, Press Coverage, and Personal Fallout 37:12 Legal Struggles and Ongoing Trials 41:52 Criminal Trials and Legal Delays 45:16 The Court of Public Opinion and Advocating Change 49:40 Defense Strategy and Trial Outcomes 52:32 Final Trial, Verdict, and Life After the Case 56:00 Lessons Learned, Moving Forward, and Advocacy _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka

In this episode of the Grow A Small Business Podcast host Troy Trewin interviews Giuseppe Grammatico founder of The Franchise Guide shares how he left J P Morgan to build and successfully sell a building services business before helping aspiring entrepreneurs find the right franchise He reveals why time freedom matters more than money how consistency and leadership fuel sustainable growth and why every business owner should plan their exit from day one while creating a business that can thrive without them. Why would you wait any longer to start living the lifestyle you signed up for? Balance your health, wealth, relationships and business growth. And focus your time and energy and make the most of this year. Let's get into it by clicking here. Troy delves into our guest's startup journey, their perception of success, industry reconsideration, and the pivotal stress point during business expansion. They discuss the joys of small business growth, vital entrepreneurial habits, and strategies for team building, encompassing wins, blunders, and invaluable advice. And a snapshot of the final five Grow A Small Business Questions: What do you think is the hardest thing in growing a small business? Giuseppe Grammatico shares that the hardest part of growing a small business is taking full ownership of every decision and learning to be decisive especially when you have never owned a business before He explains that new entrepreneurs often overthink their choices and second guess themselves but success comes from making confident decisions learning from mistakes and adapting quickly as the business grows. What's your favorite business book that has helped you the most? Giuseppe Grammatico shares that the business book that has helped him the most is Traction by Gino Wickman because it provides a practical framework for building and managing every aspect of a business He also highly recommends The E-Myth Revisited by Michael E. Gerber for teaching entrepreneurs how to create systems that allow a business to grow beyond the owner. Are there any great podcasts or online learning resources you'd recommend to help grow a small business? Giuseppe Grammatico shares that podcasts have become his primary source of learning and he recommends The How of Business by Henry Lopez for practical business ownership advice Profit Comes First by Rocky Lalvani for mastering business finances and cash flow and podcasts by Dan Buettner and Mike Chang for improving health and performance because a healthy entrepreneur builds a stronger business. What tool or resource would you recommend to grow a small business? Giuseppe Grammatico shares that a powerful CRM like Go High Level is one of the best tools for growing a small business because it automates emails text messages AI phone calls social media and customer follow ups in one place He also recommends Sequence as a valuable financial tool for implementing the Profit First system and automating cash flow management. What advice would you give yourself on day one of starting out in business? Giuseppe Grammatico shares that if he could go back to day one he would remind himself that entrepreneurship is not a straight path and that challenges are part of the journey He advises new business owners to stay focused on their purpose adapt to change develop thick skin and build a business that creates freedom while enjoying the process instead of waiting for the destination.  Book a 20-minute Growth Chat with Troy Trewin to see if you qualify for our upcoming course. Don't miss out on this opportunity to take your small business to new heights! Enjoyed the podcast? Please leave a review on iTunes or your preferred platform. Your feedback helps more small business owners discover our podcast and embark on their business growth journey.     Quotable quotes from our special Grow A Small Business podcast guest: The best business decisions come from taking action not waiting for certainty - Giuseppe Grammatico Build a business that creates freedom because success means nothing without time to enjoy it - Giuseppe Grammatico Every challenge in business is an opportunity to learn adapt and grow stronger - Giuseppe Grammatico      

Alchemy has a reputation for grand gestures. A pinch of grave-moss, a vial of moon-condensed dew, a hair from something that used to be a person, all tipped into a vessel (usually an ornate iron cauldron) at once with great ceremony, to the delight of the audience or client. I want to be very clear with you: this is not alchemy. This is theatre, and theatre does not require you to have functioning eyebrows or both your eyes left in your head after the dust settles.Every reagent you will work with in this course has a nature. A temperament, if you like the poetic word for it, though I prefer tolerance. Wolfsbane ash wants heat, but slowly, and in the presence of something binding, or it does not steep, it seizes. Quicksilver is patient with almost everything except itself. Two measures of it in the same vessel will fight for dominance rather than combine, and the vessel, and the hands holding it, generally lose that argument. You are not required to memorise every tolerance in the first month. You are required to accept, as an article of faith until you can verify it yourself, that they exist, and that ignoring them is not boldness. It is arithmetic you have chosen not to do.There are three guiding questions you should ask yourself before anything touches your mixing bowl. Write these down, underline them if you must, tattoo them on your skin if you cannot remember them.What does this reagent want to react with, and in what order? Sequence is not a suggestion. Half of you will be tempted to treat a recipe like a shopping list, tossed in together because it is faster. It is faster. It is also how we no longer have an East Wing.How much, precisely, and why that amount? "A bit more couldn't hurt" is the last sentence most aspiring potion makers will utter before they met their god. I would highly recommend you worship one of the nicer ones that are sympathetic to clumsiness. A reagent that behaves at one measure may not behave at three. This is not a linear art. Do not treat it as one.What is your escape, if this goes wrong anyway? Every working bench in this facility has a water trough, a smothering cloth, and a door you can reach in five steps. Four if you're particularly fast. I will ask you to locate all three before I let you light a burner. This is not paranoia. This is the entire reason our particular school of knowledge has survived long enough to have someone teach it.I want to be clear that I am not asking you to be timid. Alchemy rewards curiosity more than almost any other discipline, and I would rather teach a room of the reckless than a room of the incurious. The reckless, at least, can be taught caution. What I am asking is that your experimentation be deliberate. Change one variable at a time. Record what you changed. Small batches before large ones. A thimble of a new combination will tell you everything a cauldron full would, at a fraction of the risk.The reagents do not care how confident you feel. They only care what you actually put in the vessel, in what order, and in what amount. Respect the proportion, and the discipline will, eventually, respect you back.- Lecture Notes On the Discipline of Reagent Craft for First-Year Alchemical Theory by Professor Viktoria VoleIf you're still wanting to get Jarren's Outpost Board Game you can right here! Our pledge manager is open so get it while you can! Hosted on Acast. See acast.com/privacy for more information.

Your home may be more than a place to live in retirement. For some homeowners, it can also become a strategic financial resource—one that may help manage taxable income, protect investments during market downturns, and create greater flexibility around retirement withdrawals. Harlan Accola, who leads the reverse mortgage team at Movement Mortgage, joined the show today to explain how a reverse mortgage—specifically a Home Equity Conversion Mortgage, or HECM—can fit into a thoughtful retirement income strategy. A reverse mortgage is not right for everyone. But when used carefully as part of a broader financial plan, home equity may provide retirees with options they would not otherwise have. Why Reverse Mortgage Proceeds Are Different From Income One of the most common misconceptions about reverse mortgages is that homeowners sell or give up ownership of their homes. That is not the case. A reverse mortgage is a loan secured by the home, and the homeowner retains title as long as the requirements of the loan are met. Because the money received through a reverse mortgage is generally considered loan proceeds rather than earned or investment income, it is not typically included as taxable income on a federal income tax return. That distinction can be significant in retirement. Many retirees rely on a combination of Social Security, pensions, traditional IRAs, and 401(k)s. Withdrawals from tax-deferred retirement accounts generally increase taxable income, potentially affecting tax brackets and other income-based thresholds. Home equity can provide another source of cash. Instead of withdrawing every needed dollar from a traditional IRA or 401(k), a retiree may be able to strategically use home equity for a portion of living expenses. That could reduce the amount that must be withdrawn from taxable retirement accounts in a given year. The goal is not simply to avoid taxes. It is to thoughtfully manage when and how taxable income is recognized. Managing Retirement Withdrawals More Strategically Taxes in retirement are often about timing. Withdraw too much from a traditional retirement account in one year, and you may move into a higher tax bracket or cross other important income thresholds. Later in retirement, required minimum distributions can further limit how much control retirees have over taxable withdrawals. Social Security also adds another consideration. Depending on a retiree's income, up to 85% of Social Security benefits may be subject to federal income tax. That makes coordinating income sources especially important. For some retirees, access to home equity may allow them to take smaller taxable distributions during certain years while drawing on a reverse mortgage for additional cash needs. Meanwhile, money that remains invested has more opportunity to continue growing. That does not mean borrowing against a home is always preferable to withdrawing from investments. Reverse mortgages have costs, interest accrues on the loan balance, and using home equity reduces the equity that may otherwise remain available later. The question is whether strategically combining these resources could produce a better overall retirement outcome. Creating Flexibility for Roth Conversions Home equity may also play a role in Roth conversion planning. A Roth conversion involves moving money from a traditional IRA or other eligible tax-deferred retirement account into a Roth IRA. The amount converted is generally taxable in the year of the conversion, but qualified Roth withdrawals in retirement are tax-free. For some retirees, converting portions of traditional retirement accounts during lower-income years can make sense. The challenge is paying the resulting tax bill. Suppose someone converts a significant amount from a traditional IRA and then withdraws even more from that IRA to pay the taxes. That additional withdrawal can create additional taxable income, potentially making the strategy less efficient. A reverse mortgage may provide another option. Home equity could potentially be used to cover living expenses or the tax liability associated with a Roth conversion, allowing the retiree to better control how much is withdrawn from taxable retirement accounts. Over time, carefully planned conversions can also reduce the amount remaining in traditional accounts that may eventually be subject to required minimum distributions. Roth conversions involve many variables—including current and future tax rates, income needs, Medicare considerations, estate goals, and the retiree's overall financial picture—so they should be evaluated with qualified tax and financial professionals. Protecting Investments During Market Downturns Another potential use of a reverse mortgage is addressing what financial planners call sequence-of-returns risk. Sequence risk refers to the danger of experiencing significant investment losses early in retirement while simultaneously withdrawing money from the portfolio. Imagine that the market falls sharply and a retiree must sell investments to pay living expenses. Those shares are sold at depressed prices and are no longer invested when markets eventually recover. That combination of losses and withdrawals can make it much harder for a portfolio to recover. For retirees with sufficient home equity, a reverse mortgage line of credit may serve as what some planners call a buffer asset. Instead of selling investments during a severe market decline, a retiree might temporarily draw from home equity. When markets recover, withdrawals could shift back to the investment portfolio. Depending on the loan and financial circumstances, homeowners may also choose to repay some of what they borrowed, preserving greater home equity for future use. The broader principle is diversification—not merely among investments, but among the resources available to fund retirement. Home Equity Is a Tool, Not the Goal For many Americans, their home represents one of their largest financial assets. Yet traditional retirement planning often treats that wealth as untouchable until the home is sold or passed to heirs. A reverse mortgage can provide another option. That does not mean every retiree should borrow against a home. The costs, interest, estate implications, housing plans, and long-term needs all matter. Homeowners must also continue meeting loan requirements, including paying property taxes, homeowners insurance, and maintaining the property. But for the right household, home equity may become one piece of a coordinated retirement strategy—helping manage taxable withdrawals, create flexibility for Roth conversions, or avoid selling investments at an unfavorable time. As stewards, the goal is not simply to preserve every dollar of home equity or maximize every investment account. It is to wisely consider all the resources God has entrusted to us and use them with purpose. A home is first a place to live. But in retirement, it may also be a financial resource worth thoughtfully considering as part of the bigger picture. To learn more about reverse mortgages and Movement Mortgage, visit FaithFi.com/Movement. On Today's Program, Rob Answers Listener Questions: My daughter turns 20 in December and recently earned her nail technician license, but she isn't working yet. How can I help her start building credit and develop good saving habits? My husband and I are considering a reverse mortgage. Would we still own our home, and could we eventually sell it to a family member if we want to keep it in the family? I live on Social Security, have a paid-off home, a four-month emergency fund, and $75,000 in a CD. I received an offer to buy $5 gold pieces for $469 each, with a minimum purchase of five. Would buying gold like this be a wise move for me? My husband passed away, I used up my savings, and now I'm overwhelmed by debt. I enrolled in a debt-relief program that promised to lower my interest rates, but I'm not seeing much progress. What should I do next? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Movement Mortgage Capital One Savor Rewards Card for Students Bankrate | NerdWallet Open Hands Finance FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

David McKnight addresses one of the biggest fears people have as they approach retirement: "What if I retire right into a market crash?". Not only this represents one of the biggest challenges in retirement planning but it's also one of the reasons why David advocates for protecting yourself from sequence of returns risk.  When it comes to long-term stock market investing, it's important to understand the difference between retirement years and accumulation years. Sequence of returns is the order in which market returns occur in your portfolio.  That order, David stresses, can make or break your retirement unless you've taken steps to prepare your portfolio ahead of time. The danger isn't simply that the market goes down, as markets always recover eventually. The danger is being forced to sell investments while they're down in order to fund your lifestyle.  David touches upon the dot-com collapse and 2008 mortgage meltdown as extraordinarily difficult periods for retirees who only relied on investment portfolios for income. There are two approaches David recommends adopting.  The first one is to build a guaranteed income floor before retirement – ideally 5-10 years before retiring. The role of the guaranteed lifetime income is for it to cover essential expenses so that your lifestyle is no longer entirely dependent on the performance of your stock portfolio. Remember: by living off your guaranteed streams of income you give your portfolio a chance to recover from down years in the stock market. The second approach is the so-called Volatility Shield strategy, which sees a properly funded cash value life insurance – in the form of Indexed Universal Life (IUL) – play a critical role. The first step of the Volatility Shield way is to begin funding an IUL well before retirement with 3-5 years of living expenses covered by day one of retirement. David breaks down the process that can increase the sustainable withdrawal rate on your stock portfolio from 4% to as high as 8% with a 95% success rate. The Volatility Shield is a strategy that you can begin implementing much earlier than the guaranteed lifetime income one. You can use guaranteed lifetime income to help cover essential expenses, and an IUL volatility shield to get tax-free liquidity to cover discretionary needs during periods of market downturn. When people ask David "When is the ideal time to reposition money to avoid retiring into a market crash?", he always suggests not to wait for the crash, or to try to predict one, rather to build protection intentionally. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track The Power of Zero: How to Get to the 0% Tax Bracket and Transform Your Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube

Kevin O'Neill kicks off the episode with a talk on Anthony Fauci’s upcoming testimony and Trump’s current and previous administration’s handling of elections. For our second hour Russel Rhoads and jump in to continue the chat on Fauci, talk the latest on the market and much more!

Most sellers burn great accounts by spamming the exact same pitch 14 times. In this episode, Nick Cegelski and Armand Farrokh break down their exact playbook, including: 

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/EBAH/NCPD/CPE/AAPA information, and to apply for credit, please visit us at PeerView.com/BUQ865. CME/MOC/EBAH/NCPD/CPE/AAPA credit will be available until July 9, 2026.Rethinking the CLL Treatment Sequence: Guidance on Selecting and Sequencing Modern Treatment for Sustained Efficacy Across Lines of Therapy In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and HealthTree Foundation for Chronic Lymphocytic Leukemia. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/EBAH/NCPD/CPE/AAPA information, and to apply for credit, please visit us at PeerView.com/BUQ865. CME/MOC/EBAH/NCPD/CPE/AAPA credit will be available until July 9, 2026.Rethinking the CLL Treatment Sequence: Guidance on Selecting and Sequencing Modern Treatment for Sustained Efficacy Across Lines of Therapy In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and HealthTree Foundation for Chronic Lymphocytic Leukemia. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/EBAH/NCPD/CPE/AAPA information, and to apply for credit, please visit us at PeerView.com/BUQ865. CME/MOC/EBAH/NCPD/CPE/AAPA credit will be available until July 9, 2026.Rethinking the CLL Treatment Sequence: Guidance on Selecting and Sequencing Modern Treatment for Sustained Efficacy Across Lines of Therapy In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and HealthTree Foundation for Chronic Lymphocytic Leukemia. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/EBAH/NCPD/CPE/AAPA information, and to apply for credit, please visit us at PeerView.com/BUQ865. CME/MOC/EBAH/NCPD/CPE/AAPA credit will be available until July 9, 2026.Rethinking the CLL Treatment Sequence: Guidance on Selecting and Sequencing Modern Treatment for Sustained Efficacy Across Lines of Therapy In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and HealthTree Foundation for Chronic Lymphocytic Leukemia. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.Disclosure information is available at the beginning of the video presentation.

Hosts: Ed Jones (Owner – Nutrition World) & Clint Powell A variety of topics all related to living a healthy life Presented by: Nutrition World www.nutritionw.com  Broadcasting from the Nooga Dentistry Studio www.noogadentistry.com Production of: Whitfield Media Group www.vitalhealthradio.com Title: Oral Peptides for Appetite & Weight Loss, What Your Phase Angle Means for Your Cellular Health [0:00:00] Intro, Events Tease of the episode's themes: Segment 2: peptides and weight loss. Segment 3: phase angle and cellular health. Lung Coach event at Nutrition World – August 22 Mobile screening for early lung cancer detection. Emphasis that stage 1–2 lung cancer is often curable, stage 4 is not. Calcium score used to estimate plaque burden in arteries. Ed notes ~12 reasons for plaque formation, while most physicians focus on ~3. Mentions Dr. Kurt Dearing's book “Beyond Cholesterol”, covering broader causes of plaque. Financial health talk – August 22 (~11 AM) Michael E, financial planner, giving a free lecture on financial stability. Ed's point: two major life disruptors are declining health and declining finances, and they influence each other. Health Fair – October 24 Described as possibly the biggest health fair in the region. Features reps, free samples, circus‑like but “happy” atmosphere. [0:04:10] Restaurant Talk Light banter about Ed being a restaurant connoisseur and creature of habit. Restaurant recommendations via Ed's employee Fallon: Second Amendment / Second American (downtown). Hello Monty (special but reasonably priced menu). Ed's oxalate/joint pain story: Eating Purely Elizabeth cereal (high in oxalates: chia and other ingredients) triggered severe return of joint pain Discussion that some “healthy” foods can be nutritious but not healthy for everyone, especially for those sensitive to oxalates. Ed references his free oxalate ebook at theholisticnavigator.com and believes oxalates contributed to: His double hip replacement. Feeling old from age 50–65. Mentions OxyGuard supplement (recently restocked) and using 4 capsules/day to help clear excess oxalates (not as a license to keep eating high‑oxalate foods). Quick shout‑out to local farmers from Virginia End Farm selling at Nutrition World on Wednesdays (12–4), and that they've listened to every show. [0:8:55] Tease: Phase Angle & Seca Machine Ed previews Dr. Kurt Dearing's later segment on phase angle: A single number reflecting resilience and proximity to optimal health.. Mention of Be Well Labs / BeginwithLabs.com – Body Blueprint: Advanced lab panel: 50+ predictive health indicators. Pitch: more than a standard physical, actionable results. Price example: $275 vs typical $500, highlighting savings. [0:13:35] Segment Intro: Peptides & Weight Loss Framing: Peptides as one of the hottest trends in 47 years of Ed's experience. Shift from grey‑market injectables to safe, effective oral peptide powders. Ed has seen impressive feedback on an oral peptide powder for weight loss in early customers. [0:13:47] What Are Peptides? Protein basics: Proteins are long chains of amino acids essential for structure, function, and regulation. Peptide defined: A shorter chain of amino acids broken off from a larger protein. Lego analogy: Individual Legos = amino acids. Tall tower of Legos = full protein. Kid knocks tower over; a small intact stack (~8 Legos) that falls off = peptide. Each peptide has a “fingerprint” determined by: Length (how many amino acids/Legos). Sequence (order: e.g., red–red–blue–blue vs red–blue–red–blue). Processing (how it was broken off or created). Clarified: peptides are not primarily for fixing protein deficiency, but more for targeted signaling effects in the body. [0:20:52] Yeast‑Derived Oral Peptide for Metabolism & Drug Comparisons Endogenous peptides: made naturally inside the body. Exogenous peptides: introduced from outside (drug injections, supplements). Ozempic / GLP‑1 drugs: Yes, Ozempic is a peptide. These drugs are lab‑made peptides made to mimic natural body peptides. Peptides are not synthetic drugs in concept; they are peptide structures the body uses, though drugs are engineered. Focus on Ancient Nutrition “Active Peptide for Metabolism”: Contains a yeast peptide derived from Saccharomyces cerevisiae (brewer's yeast), broken from a larger yeast protein. Mechanism & effects: Influences hunger and satiety signaling: Increases leptin (satiety hormone). Decreases ghrelin (hunger hormone). Reported benefits: Reduced hunger and cravings (including boredom eating). Weight loss primarily from fat mass, not muscle mass. Comparison with GLP‑1 injections (semaglutide, etc.): Injections often cause muscle loss (e.g., “Ozempic face,” loss of facial muscle/fat). Yeast peptide research shows fat‑centric weight loss. Clinical results quoted: After 2 months, average daily caloric intake decreased by ~600 calories. Leads to meaningful weight loss, depending on baseline intake and muscle mass. [0:24:25] Dosing, Timing, Stacking & Safety Considerations How to take it: Once daily, typically in the morning to curb cravings throughout the day. Users report: easier recognition of fullness during meals. Stacking with cortisol peptide product: Ancient Nutrition also has a cortisol‑active peptide capsule for stress support. Same amount of yeast peptide per serving; research supports doubling the yeast peptide dose, so: You can use the metabolism powder + cortisol peptide together. Stress, cortisol, and weight: Chronic stress and high cortisol promote fat gain. Stacking stress support + appetite control may help body composition. Onset of effect: Reagan reports she personally noticed benefits around 2 weeks (quicker than many supplements that take 60–90 days). Cost & practicality: Approx cost around $50 for 30 days. Positioned as a cost‑effective alternative or complement to expensive injections. Side effects vs injectables: Reagan's hospital experience with GLP‑1 side effects (e.g., gastroparesis, impaired gastric motility, some requiring tube feeds or IV nutrition). Oral yeast peptide described as gentler, working with natural processes, not “forcing” the system. [0:30:09] Yeast Source, Candida Concerns & Usage Notes Yeast strain: Saccharomyces cerevisiae (not S. boulardii, and not pathogenic/candida). Clarifications: Will not cause yeast infections. Will not feed candida overgrowth. Taste & preparation: Chocolate flavor described as surprisingly good, even for those picky about chocolate. Temperature-sensitive: Must be mixed with cool liquid (NOT hot coffee/tea or hot beverages). Leaving it in high heat (e.g., hot car) can degrade activity. [0:36:03] Segment Intro: Phase Angle & Seca Scan with Dr. Kurt Dearing Discussion of: Seca medical‑grade bioelectrical impedance analysis (BIA) machine (~$12,000). It's commonly in hospitals/clinics, but rarely publicly accessible; Nutrition World and Be Well Labs both have one. Dr. Dearing's consult package: Includes consult + Seca scan + follow‑up visit + follow‑up Seca scan (~$195, promo if listeners mention the show). [0:37:35] What Is Phase Angle? (Deep Dive into Measurement & Meaning) What the Seca scan measures: Total body fat and visceral fat. Muscle mass (overall and by body segment). Phase angle (key focus). Phase angle basics: BIA sends low‑level alternating electrical currents through the body. The phase shift (time/angle difference) between current and voltage is measured. That phase shift = phase angle. Higher phase angle → healthier cell membranes, better cellular integrity, more muscle mass, better hydration. Lower phase angle → often malnutrition, chronic disease, frailty; can be used in dialysis, cancer patients, etc., to predict outcomes. Used as a longevity biomarker: Akin to an “EKG of your cells”. Can function as an early indicator for overall health trajectory, barring accidents Dr. Dearing's personal story: First scan categorized him as “bronze” on Seca's scale: Levels: None → Bronze → Silver → Gold → Platinum. Motivated him to increase strength training and eating healthy. Subsequent scan: improved from bronze → gold. Ed's anecdote: Friend and gym member Fred now tests as platinum, after sustained gym and nutrition efforts. Phase angle as a guide: If results are poor, that's a signal to upgrade the plan (diet, exercise, supplements). If phase angle improves (e.g., 4 → 5), it proves the plan is working, beyond just “feeling” better. [0:43:47] How to Improve Phase Angle (Practical Protocols) Key drivers and interventions: 1. Strength Training & Exercise Primary recommendation: resistance/strength training to build muscle mass. 2. Adequate Protein Ed's guideline: ~1 gram of protein per pound of body weight (men; women can often target ~¾ g per pound). Protein shakes often needed to hit targets. 3. Hydration & Electrolytes Proper cellular hydration improves phase angle. Maintain consistent fluid intake and electrolyte balance (sodium, potassium, magnesium). Avoid excessive diuretics/water pills. Dehydration causes phase angle to drop sharply. 4. Inflammation Control Systemic inflammation lowers phase angle and contributes to chronic disease. Tools: Anti‑inflammatory diet (Mediterranean‑style, high in omega‑3s). Omega‑3 fatty acids. Curcumin. Vitamin D optimization. Also includes sleep quality and stress management. 5. Foundational “Core Four” Supplements (Nutrition World concept) Covering: magnesium, zinc, vitamin D, B vitamins, etc., as baseline. 6. Targeted Add‑ons Creatine (supports muscle and cell energy). HMB (beta‑hydroxy beta‑methylbutyrate) – often paired with creatine. CoQ10 (mitochondrial and cellular energy). Phosphatidylcholine / BodyBio PC – to improve cell membrane integrity. [0:52:45] Closing Reflections Ed reads and comments on an article by Dr. Sircus about: Many doctors being “misaligned”: intellectually capable but no longer listening. Critique of: Over‑reliance on credentials. Under‑reliance on open‑mindedness and corrections. Emphasis that many clinicians are excellent listeners and deeply caring, but that institutional habits can discourage listening.  The post Radio Show / Podcast – July 26, 2026 first appeared on Vital Health Radio.

Connect with Dr. Paul: paul.mchale@factumfinancial.comBook a call: https://remnantfinance.com/calendarOut Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEDr. Paul McHale has spent over a quarter century in emergency medicine, and he'll tell you exactly what that does to a man: ER docs either get old, get tired, or get afraid. He's all three now. But it wasn't the ER that changed how he thinks about money. It was almost getting killed by an F350 in a grocery store parking lot, going home spooked, and realizing he had life insurance but not nearly enough.What Paul discovered after that near miss is the through-line of this entire conversation. He watched colleagues who had made serious money for years panic when COVID cut their shifts. Not one or two of them. A lot of them. Physicians pulling $20,000 a month who could not absorb losing five shifts for a single month. As Hans puts it, a teacher making $50,000 with a savings habit might weather that better than a doctor making a couple million a year. The problem was never income. It was that nobody, in 18-plus years of the most rigorous education in the country, ever taught them what to do with it.Chapters:00:00 – Opening Segment 06:50 – Twenty-five years in: old, tired, or afraid 07:40 – The grocery store near miss that started everything 09:00 – Buying the first permanent policy and abusing it 10:25 – Building an ER group 16:50 – How ER billing actually works 18:40 – What's broken in healthcare, from an outsider's seat 24:45 – A physician's honest reckoning with COVID 30:40 – The credibility medicine lost and can't get back 41:35 – The doctors who couldn't afford to lose five shifts 49:35 – Max the 401(k) for thirty years, then what? 52:45 – Liquidity as the single greatest portfolio decision 55:10 – Sequence of returns and the average rate of return lie 57:45 – What ultra high net worth families actually buy 01:00:35 – Bonds, volatility, and the product advisors won't look at 01:03:10 – Cutting off the compounding curve right when it gets good 01:16:15 – Bastardized cancellation data 01:26:35 – Why Paul's policy is death benefit heavy 01:31:05 – The Mississippi River theory of money 01:34:30 – The colleague who lost her husband in two months 01:37:25 – "Don't ever leave your family without insurance"Key Takeaways:High income is not the same thing as financial stability. ER physicians earning $300 an hour called Paul looking for work when their hospitals cut five shifts. These were successful doctors, some of them former partners whose payouts he knew personally. They could not take a one-month cash flow hit. The treadmill runs at whatever speed your lifestyle sets, and a high salary just means the belt moves faster.Physicians stopped behaving like scientists. The willingness to change your mind when the data changes is the entire job description of a professional. Liquidity is the single highest-leverage decision in a portfolio. You cannot buy the dip without cash. When the market hemorrhages, the reason people freak out is that they've lost money and have nothing left to deploy at the bottom. Whole life lets your risk assets stay risk assets. The conventional move is to ratchet a 55-year-old down from equities into bonds, which have their own volatility and lose money roughly every six years. A fiduciary title is not a knowledge credential. There are bad doctors, bad pilots, and bad fiduciaries. If an advisor can't explain a policy loan, the fiduciary designation hasn't done anything for the client.

Join us today for an exciting conversation with New York Myke!  A Love Letter to Harley but it's tough love. Myke is the host of the popular podcast "Rolling with New York Myke" and recently released his brand new book, "A Harley Life: Notoriously Out of Sequence. But Nobody's Complaining." We'll be diving into his journey, the open road, motorcycle culture, and the stories behind his latest book.

Retiring into a bear market can put even a well-funded retirement plan under immediate pressure. The danger is not only the decline itself, but having to fund spending from depressed investments—and making emotional decisions that lock in losses.Derek Gabrielsen, CRPC® — Senior Wealth Advisor, and Tony Zabiegala, CRPC® — Senior Wealth Advisor, examine three retirement scenarios and the choices that changed the outcome. They discuss maintaining a reserve for portfolio-funded living expenses, using cash and short-term bonds before selling equities, adjusting discretionary spending, considering part-time income, rebalancing, evaluating Roth conversions during a downturn, and using annuity income when appropriate.This episode provides a practical framework for stress testing a retirement plan before the next bear market arrives. It offers educational perspective on withdrawal strategy, liquidity, taxes, portfolio structure, and the behavioral decisions investors face during difficult markets.Learn more at Wealthalyze.com

Most investors focus on average market returns, but in retirement, the sequence of those returns can make a significant difference. In this week’s episode of Educational Insights, Trey Booth explains sequence of returns risk and demonstrates how two retirees with the same average returns can end up with dramatically different outcomes based solely on when market gains and losses occur. Learn how diversification, maintaining short-term cash needs, and a thoughtful withdrawal strategy can help reduce this often-overlooked retirement risk. Watch to learn more. Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post The Sequence of Returns Risk first appeared on Fi Plan Partners.

The decision to rebrand was right. The execution went wrong. Julia Carcamo walks through the three failure modes that sink most casino rebrands, the six-step sequence that gets them right, and what a real rebrand costs. Both when you get it right and when you don't. Part 2 of 2. Free Rebrand Kickstart Call https://www.jcarcamoassociates.com/brand-diagnostic-and-strategy-kickstart/ Learn more at www.jcarcamoassociates.com/. Get insights delivered to your inbox: https://bit.ly/3MS2pOz Join the most effective casino marketing training. https://bit.ly/3MXUe3c

Long-Form Standing Journey — Complete Practice (73 min, preview 23 min)I love sequences that just keep going — a long journey through many postures on one side before you switch and do the other. This is one of those. Rather than resetting frequently, this class asks you to remain present through a long, unfolding progression of standing postures, balance work, and transitions that build naturally on one another.The challenge isn't simply physical—it comes from remembering where you've been, staying engaged as the sequence evolves, and trusting the process without rushing toward the other side. The result is a practice that feels immersive, satisfying, and deeply rewarding, with each posture setting up the next in one continuous conversation.This is a class that rewards patience, attention, and the willingness to stay with something a little longer than usual.New class every Tuesday. 350+ full classes in the Unlimited Archive at JustGreatYoga.com

Did you know about this live webinar? Attend the next one and get your questions answered! To peak inside the community that is actually practicing Infinite Banking in their personal lives by heading over to -- https://www.skool.com/ibc-community-7282To deepen your understanding of The Infinite Banking Concept, head on over to https://thewealthwarehousepodcast.com/Chapters00:00 Introduction and Purpose of the Webinar01:19 Welcoming Participants and Setting the Stage03:21 Discussion on Retirement and Distribution Phase09:07 Guest comment reading10:30 Real-Life Examples of Infinite Banking in Practice with Coach Christina13:06 Going into business question/example14:41 Book keeper/accountant's strategy17:15 The Simplicity of Dividend Paying Whole Life Insurance18:30 Basic Math Example21:02 Balancing Traditional Retirement Accounts and IBC23:57 Sequence of Returns and Market Volatility28:38 Market Downturns and Retirement Safety Nets33:26 Legacy Planning and Family Wealth Transfer35:18 Senior Estate Planning and Asset Protection39:27 Structuring Wealth and Asset Protection Strategies42:41 The IBC Community44:16 Closing Remarks and Next StepsIn this episode, David and Paul explore the strategic use of infinite banking, retirement planning, and managing market risks. They discuss real-life examples, the importance of controlling your financial environment, and how to build a resilient wealth plan that lasts through market downturns.At Wealth Warehouse, we challenge you to transform your financial future through the principles of the most profitable business in the world: banking.We believe everybody should be involved in two businesses: the business that you're in, and the banking business. Everyday people can replicate what bankers have been doing for centuries to leverage capital and build wealth through private lending.Join us as we uncover the truths about money, expose lies and myths, and flip conventional financial advice on its head.DISCLAIMER: *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode, I'm sharing the audio from a live workshop I taught on July 16, 2026 on one of my favorite topics: How to Build a Signature Sequence You Can Trust. If you've ever felt like you need to create a brand new sequence every week or wondered how to build a sequence you can confidently teach without relying on notes, this workshop is for you.  I walk through the process you can use to create a Signature Sequence, share how using a Signature Sequence can help you trust what you're offering and even be able to teach without notes and by walking around, watching your students. Whether you're a new yoga teacher or simply looking to feel more confident teaching your classes, this workshop will not only give you some new things to experiment with in your classes to help you feel more confident, it'll gently challenge some of the beliefs you have that you might not even realize are holding you back from truly feeling confident when you teach.  If you'd like access to the full workshop replay with the video, just send me a DM or email at karen@barebonesyoga.com  

The Undersea Sequence Was Meant to Keep Something InBecome a supporter of this podcast: https://www.spreaker.com/podcast/dark-mysteries-unsolved-mysteries-forgotten-secrets-unanswered-questions--5684156/support.Darkest Mysteries Online

Book a call with Travis: https://calendly.com/travis-eib/30-minute-callBook a call: https://remnantfinance.com/calendarOut Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEIn this episode, Hans welcomes back Travis McBride, a former Navy helicopter pilot turned insurance professional, for his third appearance and a conversation about annuities, guaranteed lifetime income, and why the order of your returns matters more than the average. Fresh off the birth of his son, Travis opens up about how fatherhood reframes the way he thinks about mortality and protecting the people who depend on you.From there they get into sequence of return risk, including a live demo where shuffling the exact same 30 years of returns swings the outcome from $2.2 million left over to fully broke in 14 years, and why a guaranteed income floor lets you stay on the compounding curve right when it's most powerful.Chapters:00:00 – Opening segment03:10 – Re-anchoring on why we plan: it's about the next generation05:25 – Why $500K of SGLI won't set a family up10:15 – What an annuity actually is: the inverse of life insurance14:40 – The power of setting an income floor18:30 – A brief history of annuities, from Rome to the modern pension gap20:15 – When to consider an annuity: the 50 to mid-70s window21:15 – No medical underwriting: annuities are priced on age alone25:15 – The 4% rule and where it falls apart26:05 – Sequence of return risk explained with a live shuffle28:45 – Same data, wildly different outcomes30:50 – Why the Series 65 teaches nothing about insurance or annuities35:00 – Trade-offs exist everywhere, even in a Roth IRA and 401(k)39:50 – Mortality credits: the third form of return45:30 – Payouts are tied to the 10-year Treasury at purchase46:40 – The 1035 exchange: upgrading an old, uncompetitive annuity50:00 – Closing segmentKey Takeaways:The order of your returns can matter more than the returns themselves. Take the same 30 years of market data and simply shuffle the sequence, and the outcome swings from leaving $2.2 million behind to running out of money in 14 years.An annuity is the inverse of life insurance, and it's the only chassis that guarantees income for life. Where a $1 million portfolio using the 4% rule cautiously pulls $40,000 a year and still might run dry, that same $1 million can buy a fully guaranteed $77,000 a year that keeps paying as long as you're alive.A guaranteed income floor buys you flexibility everywhere else. Once your baseline needs are covered for life, you no longer have to run conservative with the rest of the portfolio.$500K of group life insurance is not a plan. In a high cost of living area, half a million won't maintain a family's lifestyle, and most people aren't even capped out there.If your parents bought an annuity, get it reviewed. Payouts are locked to the 10-year Treasury yield at the time of purchase, so annuities bought in low-rate years are often badly uncompetitive today.

Retirement is the beginning of a new chapter, full of opportunity, challenges, and critical decisions about your financial future. Protecting your retirement means understanding and proactively managing the most significant risks you will face. On the show this week, I explore the five biggest risks to a secure retirement and outline strategies to help you and your family prepare for the road ahead.Outliving Your MoneyMost people underestimate how long their retirement might last. According to Social Security actuarial data, a 65-year-old man has a 50% chance of reaching age 84; for women, it's 87. For couples, there is an even chance at least one partner will live past 90, and a one-in-five chance one will reach 95. Planning for “average life expectancy” is not enough—by definition, half of retirees will outlive that average. Structure your retirement plan and savings to last up to 30 years.Market & Sequence of Returns RiskFuture investment returns are unknowable, especially as you near retirement. The sequence of those returns—the order in which market ups and downs occur—can determine whether you run out of money. A retiree who encounters a bear market early in retirement is far more vulnerable than someone hit with poor returns later on. I recommend you:De-Risk Your Portfolio Before Retirement: Gradually shift to safer assets in your final working years.Build a Cash Buffer: Maintaining three years of living expenses in cash or similarly stable assets lets you weather bear markets without selling investments at a loss.Stress Test Your Retirement Date: Can you still retire if the market drops 30% the year before retirement?Adopt a Flexible Withdrawal Plan: Use guardrails—predefined spending increases or cuts—to respond to market conditions.Health and Long-Term Care RiskHealthcare costs are one of the largest and least predictable components of retirement expenses. About 70% of people turning 65 will need some form of long-term care, which can cost upwards of $75,000–$130,000 per year, depending on the type of care. Critically, Medicare does not cover most long-term care needs. Evaluate whether you can self-insure or if you need to purchase long-term care insurance. Your decision window closes in your 50s and early 60s.Decision and Fraud RiskThe risk of making poor decisions—especially under stress—or falling victim to fraud is rising. Cognitive decline can begin well before it is noticeable, and with the rise of AI, scams are more convincing than ever. Put defensive measures in place, maybe add trusted contacts to your accounts, update power of attorney and beneficiaries, and set a family code word to combat scams involving cloned voices.Inflation RiskOver a 30-year retirement, even a modest inflation rate can erode your purchasing power by half. At 3% inflation, today's $60,000 lifestyle will require $120,000 in just 24 years. We all need to plan for rising costs, so periodically review and adjust your projections and spending patterns as prices change.Outline of This Episode[05:41] Optimizing Social Security Strategy[09:52] Managing Retirement Portfolio Risks[13:08] Planning for long-term care costs[14:47] Assessing long-term care options[19:20] Preparing family financial safeguards[21:50] Preparing for future challengesResources MentionedCost of Care Report | Carescout Connect With Scott WellensSchedule a discovery call with ScottSend a message to ScottVisit Fortress Planning GroupConnect with Scott on LinkedInFollow Scott on TwitterFortress Planning Group on FacebookSubscribe to Best In WealthAudio Production and Show Notes byPODCAST FAST TRACKhttps://www.podcastfasttrack.comPodcast Disclaimer:The Best In Wealth Podcast is hosted by Scott Wellens. Scott Wellens is the principal at Fortress Planning Group. Fortress Planning Group is a registered investment advisory firm regulated by the US Securities and Exchange Commission in accordance and compliance with securities laws and regulations. Fortress Planning Group does not render or offer to render personalized investment or tax advice through the Best In Wealth Podcast. The information provided is for informational purposes only and does not constitute financial, tax, investment or legal advice.*******************************************************************************************************

Here is the truth: (https://www.copyandcontent.ai) Evergreen does not mean untouched. Evergreen means designed to stay relevant. There's a big difference. A good evergreen email sequence feels personal, timely, and useful even though it's automated.  A bad follow up sequence feels like a broken vending machine selling expired Twinkies! (Do they actually expire?)  Your audience can tell. They may not know what a workflow tag is. They may not know what dynamic dates are. They may not understand conditional logic, segmentation, or automation triggers.  But they absolutely know when something feels off, looks dated, and smells strongly of BS! That tiny moment of confusion or inconsistency is where trust starts to fall apart. Not loudly. Quietly. Permanently.  The hidden problem with evergreen email is not automation. It's neglect.  Check out this podcast with Jim Edwards as he and Stew Smith discuss email follow up sequences to help make your sales pages EVERGREEN. For More info- Facebook Group – Sales Copy and Content Marketing Hacks at https://www.facebook.com/groups/copywritingandcontenthacks and for more information on the wizards used to make outstanding sales copy check out https://www.CopyandContent.ai

In this episode, Tom Hegna challenges advisors with the questions that matter most right now: Are you using AI, or avoiding it? Tom uses AI every day — building presentations in minutes, sharpening social posts, and coaching himself on strategy. His warning: advisors who say "I'm not AI" will get left behind. Would AI approve your plan? When a client runs your illustration through AI, does it endorse your work? Tom argues the fix is to feed it yourself and ask, "Is this the optimal solution for this client?" Are you still stuck on accumulation? Tom explains why retirement is about income and risk management, not rate of return — and why he had to make income "sexy" through mortality credits and the academic research behind them. Is your client's retirement riding on luck? Sequence-of-returns risk is "nothing more than good luck or bad luck." Tom explains why the solution is guaranteed lifetime income covering basic living expenses. Are you building a protection plan or just an investment plan? Tom breaks down the roles of income annuities, cash value life insurance, hybrid and traditional long-term care, and asset protection. Do you know what the big institutions are actually saying? BlackRock, Ernst & Young, Barclays, Goldman Sachs and the Wall Street Journal — none of them sell annuities, and all point toward guaranteed income. What should you stop doing? Sketchy IUL claims, underfunded UL policies sold on fantasy, and fixed index annuities built on manufactured or back-tested performance. **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

More bills become law with the stroke of Gov. DeWine's pen, including a conservative-backed idea called the "Success Sequence." It will now be taught to children starting in the 6th grade.Just what is it and why is there opposition?Listen up, drivers: If police pull you over for any reason, you must provide your name, address and date of birth, because under a new law you can't withhold personal information.Due to new digital safeguards, SNAP recipients will get new cards with electronic chips, and Medicaid home health workers must check in electronically.Survivors of sexual violence looking to move in order to stay safe can't break their leases under Ohio law. A bipartisan bill would change that.One million dollars in emergency state funds may be headed to Vinton County to help 16 siblings living in what authorities called deplorable conditions.It's the last call to claim unclaimed funds earmarked for the Cleveland Browns' new stadium complex.We're talking about all these major political topics on this week's Reporter Roundtable.Guests:Karen Kasler, bureau chief, Ohio Public Radio Statehouse News BureauHaley BeMiller, Columbus DispatchNoah Blundo, executive editor, Hannah News Service

Nate explains a critical, often overlooked retirement risk: sequence of returns risk—the danger of encountering poor market performance right when you begin taking withdrawals. Even when two retirees earn the same average annual return, the order in which those returns arrive can significantly change outcomes. Nate discusses how to plan for adverse early-retirement markets and presents indexed universal life insurance (IUL) as a flexible, non-market-loss-exposed income source to help mitigate this risk. Key Discussion Points: Sequence of returns risk: It's not a concern until withdrawals begin, typically in retirement. Losses during downturns are compounded when assets are sold to generate income at depressed prices. Even if markets recover, reduced asset bases mean less participation in the rebound, potentially shortening portfolio longevity. Same average return, different outcomes: Two retirees with identical portfolios and a 7% average annual return over 20 years can have dramatically different results depending on whether negative years occur early vs. late in retirement. Early losses paired with withdrawals can rapidly erode principal, demonstrating that the sequence of returns can matter as much as the returns themselves. Planning with Monte Carlo simulations: Nate emphasizes modeling scenarios where the first years of retirement are poor. Objective: Ensure contingency plans exist for adverse sequences, because "we get one chance to get retirement income right." Diversification beyond traditional assets: Historical non-correlation can break down: in 2022, both stocks and bonds fell, undercutting the classic diversification benefits. Relying solely on investment accounts for income in down markets may be suboptimal; alternative funds can allow portfolios time to recover. Role of Indexed Universal Life (IUL): Properly designed and funded IULs can provide cash values protected from market loss. Interest credits are linked to market indices (e.g., S&P 500) without direct exposure to downside. Offers tax-advantaged access to cash values during retirement. Strategy: Draw income from IUL during market volatility instead of selling investments at depressed prices, reducing sequence risk and preserving portfolio recovery potential. Practical insight: Avoiding withdrawals during one or two severe downturn years over the past 25 years could materially improve a retiree's experience and peace of mind. Portfolio construction idea: Consider replacing some or all of a bond allocation with an IUL to add downside protection and tax advantages. Nate's backtest: A Midland National IUL paired with 60% U.S. stocks vs. a traditional 60/40 (stocks/BND bonds) over 25 years. Result: 60% U.S. stock + 40% IUL outperformed 60% U.S. stock + 40% intermediate bonds (Vanguard Total Bond Market, ticker BND). Additional benefits: IUL provides a death benefit and tax-free cash value growth; bond income can be taxable (outside an IRA) or subject to ordinary income tax upon IRA distribution. Major Takeaways: The timing of returns can be as consequential as the returns themselves once withdrawals start. Traditional stock-bond diversification may not always protect against simultaneous market declines. Building an "off-market" income reserve—such as an IUL—can help retirees pause withdrawals from investment portfolios during downturns, improving longevity and stability of retirement income. Integrating IULs as part of or in place of bonds may enhance total outcomes while adding tax and estate benefits, subject to proper design, funding, and suitability. Disclaimers and Professional Guidance: The podcast is informational and not direct investment advice. Not all investments are suitable for all individuals. Investing involves risk; fees and risks should be carefully considered. Crosby Advisory Group LLC is a registered investment entity; consult directly for personalized advice.

More bills become law with the stroke of Gov. DeWine's pen, including a conservative-backed idea called the "Success Sequence." It will now be taught to children starting in the 6th grade.Just what is it and why is there opposition?Listen up, drivers: If police pull you over for any reason, you must provide your name, address and date of birth, because under a new law you can't withhold personal information.Due to new digital safeguards, SNAP recipients will get new cards with electronic chips, and Medicaid home health workers must check in electronically.Survivors of sexual violence looking to move in order to stay safe can't break their leases under Ohio law. A bipartisan bill would change that.One million dollars in emergency state funds may be headed to Vinton County to help 16 siblings living in what authorities called deplorable conditions.It's the last call to claim unclaimed funds earmarked for the Cleveland Browns' new stadium complex.We're talking about all these major political topics on this week's Reporter Roundtable.Guests:Karen Kasler, bureau chief, Ohio Public Radio Statehouse News BureauHaley BeMiller, Columbus DispatchNoah Blundo, executive editor, Hannah News Service

What does it really mean to become an expert in resuscitation and critical care? It is tempting to think that expertise comes from accumulating enough facts, passing enough exams or simply spending 10,000 hours at work. In this episode, Iain Beardsell is joined by emergency physician, intensivist and medical educator Sara Crager to explore why expertise is less about how much we know and more about how we think. Sara explains how experts develop high-quality mental models that allow them to organise information, recognise patterns and approach difficult clinical problems. Crucially, these mental models do not have to remain hidden inside the heads of experienced clinicians: they can be identified, explained and deliberately taught. The conversation moves from the limitations of mnemonics and assessment-driven education to the value of deliberate practice, feedback and safe failure. Sara describes how an expert might organise the differential diagnosis of cardiac arrest into respiratory, haemodynamic and metabolic problems, rather than relying solely on a memorised list of Hs and Ts. Iain and Sara then discuss Rapid Sequence, the gamified clinical-learning platform Sara created with emergency physician Ryan Ernst. Learners work through realistic cases in a simulated clinical environment, managing several patients while dealing with interruptions, competing priorities and the consequences of their decisions. After each block, Sara and Ryan deconstruct the cases, make their clinical reasoning explicit and introduce mental models that learners can immediately apply when they try again. It is a cycle of practice, failure, teaching and repetition—without putting a real patient at risk. They also explore why attention, storytelling and visual design matter in medical education; how “multitasking” may be better understood as rapid task switching; and what Sara has learned from turning an educational passion project into a working product. In this episode Why expertise is about cognitive strategies and mental models—not simply knowledge Why experts are made rather than born The limitations of the “10,000-hour rule” How deliberate practice differs from repetition When learners are ready to be taught expert ways of thinking Foundational knowledge versus clinically useful organisation Moving beyond mnemonics such as the Hs and Ts How experts can make their implicit reasoning explicit Why acquiring a new mental model can produce a sudden leap in performance The importance of inspiration—and giving learners an achievable pathway How Rapid Sequence creates a safe place to make mistakes Managing several patients, interruptions and cognitive load Teaching shock, respiratory failure and acid–base physiology Why engaging design is part of the educational method The role of games alongside podcasts, lectures and clinical experience Reframing multitasking as rapid task switching The “pause and bookmark” technique for managing interruptions The realities of building an independent medical-education project Why partnership, persistence and a genuine belief in the project matter Learning from podcasts? If podcasts form part of your CPD, you can log your listening time across all podcasts on MedPod Learn — not just St Emlyn's — and generate structured reflection. The app is free to download, includes a one-month free trial, and offers globally adjusted pricing.

In this episode, I explain why the brain develops one step at a time and why those early developmental stages matter throughout life. We explore how primitive reflexes, posture, movement, and sensory development create the foundation for learning, behavior, and emotional regulation. I also discuss how neuroplasticity gives the brain the remarkable ability to revisit those early building blocks, making meaningful progress possible at any age. - - - - - About the Host: Dr. Laura Hanson is the founder of Connect My Child's Brain and a nationally recognized expert in neurodevelopment, with nearly 30 years of experience helping children and adults who struggle with focus, learning, behavior, and overall brain function. Rather than focusing on labels or symptom management, Dr. Hanson specializes in identifying the underlying patterns in brain development that impact how a person thinks, learns, and functions. She is known for helping families understand why their child is struggling—and more importantly, what can be done about it. - - - - - Connect with Dr. Laura Hanson Website: https://www.connectmybrain.com/ Instagram: https://www.instagram.com/connect.my.brain/ Facebook: https://www.facebook.com/connectmybrain YouTube: https://www.youtube.com/@dr.laurahanson4765 - - - - - PODCAST Thank you for listening. Please subscribe and share. This podcast is produced by DrTalks.com https://drtalks.com/podcast-service/

In an unscheduled episode, Kris Boulton analyses a trainee teacher's volume-of-prisms sequence. He and Craig Barton work through key design principles — simplifying the rule, stripping out the arithmetic, starting with the general case, and building testing and expansion sequences that force genuine mathematical thinking. Access the show notes here: podcast.mrbartonmaths.com/227-breaking-down-an-example-sequence-with-kris-boulton

Two people can retire with the same ARF, the same average return, and the same withdrawal rate and still end up in completely different places. One leaves over €1m to his family. The other runs out of money before he turns 88. The only difference is the order in which the returns arrived. In this episode, Paddy breaks down sequence of returns risk in Ireland. The risk that gets far less attention than fund performance or pot size, but can matter more than either. What you'll learn: • Why sequence of returns doesn't matter at all while you're still accumulating • Why the first ten years of drawdown can account for roughly 77% of your final outcome • How Revenue's 4%/5%/6% imputed distribution rules interact with this risk in an Irish ARF • Four practical ways to protect your ARF: cash buffers, dynamic withdrawal, portfolio   construction, and timing flexibility If you're within a decade of retirement, or already drawing an income from your ARF, this is worth half an hour of your time. Enjoy!

Do you hesitate to ask for help because it feels selfish or awkward? In this replay episode of Sequence over Strategy, Michelle challenges that mindset and shows why asking is actually key to building strong relationships. Far from being a burden, a well-crafted ask strengthens trust and connection. Michelle introduces the "ask continuum" to help you avoid the traps of asking for too much or nothing at all. She also breaks down five practical ways to make your asks clear, realistic, and meaningful. By getting comfortable with asking, you'll not only get what you need but also deepen your relationships along the way. Resources The Michelle Warner Networking That Pays Free Workshop Previous Episodes

This week's show gives a primer on corporate bonds, talks sequence of returns risk and diversification, and answers lots of questions as always!

Watch the Interview on Youtube for Visuals - https://youtu.be/TS_RTVc3PL8Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Intro 01:21 - The "Mountain" Analogy: Accumulation vs. Distribution 04:53 - Reversing Engineering Income Over Net Worth 07:25 - The One Economic Power Approach 09:12 - Impact of Sequence of Returns on Retirement Assets 10:02 - S&P 500 Historical Data Case Study (1999-2024) 14:40 - Two Economic Powers: Accumulation and Distribution16:04 - Historical Context: The Shift from Pensions to 401(k)s 18:08 - Integrating Investments and Insurance for Efficiency 23:29 - The Three Functions of Money in Retirement: Income, Liquidity, Legacy 27:09 - The Waterfall Effect: Optimizing for Paycheck First 32:23 - Customizing Retirement Packages Based on Personal Preference 35:37 - The "One-to-One" Ratio Concept and Balancing Powers 38:01 - Volatility Buffers and Mitigation Strategies 41:34 - Analyzing Life Insurance: Whole Life vs. Indexed Universal Life (IUL) 46:55 - The Reality of Taxes and Market Efficiency 52:25 - Conclusion and Future Cash Flow PlanningDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Connect with Rohit Punyani: https://ownersasset.com/resource-libraryBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans welcomes back Rohit "Ro" Punyani from The Owner's Asset for his third appearance, this time for a deep dive on retirement planning that takes apart the conventional model and rebuilds it around income and freedom rather than net worth.They walk through why Monte Carlo simulations and the 4% rule fail in the real world, how sequence of returns risk quietly destroys plans, and why net worth is the wrong number to chase. From there they lay out the two bookends of every plan, the 25X accumulation rule and the 12X annuity rule, and land on the middle ground: roughly 30% in risk-free assets paired with dividend growth equities, structured so you never have to sell unrealized losses.Chapters: 00:00 – Opening segment02:55 – Freedom vs. surety of income: two definitions 05:25 – Re-pensionizing America and why the wealthy never stop 08:45 – Why entrepreneurship is about who you become 12:30 – Why Monte Carlo simulations don't work 14:55 – Sequence of returns risk explained 16:50 – Why even a linear 9% return runs out of money 18:35 – Where to start: the two bookends 19:25 – The 4% rule and the 25X heuristic 20:25 – The annuity bookend and the 12X heuristic 22:30 – The annuity's Achilles heel: inflation 24:40 – Inflation riders and the joint annuity strategy 27:55 – Net worth is not a proxy for income 30:50 – Why age 65 is arbitrary 33:50 – Building toward a dream part-time job 36:05 – The 30% rule and the Ernst & Young study 43:35 – The S&P: great for accumulation, terrible for distribution 45:00 – Dividend achievers, aristocrats, and kings 47:35 – The magic number is 8: yield on cost explained 51:15 – Earn compound interest, pay simple interest 56:00 – Why this strategy is so hard to run 57:35 – The Bessembinder study and why indexing works 01:04:05 – A plan is not a plan if you can run out of money 01:06:20 – Closing segmentKey Takeaways:Retirement isn't the absence of work, it's freedom, the ability to do what you want, when you want, with whoever you want. The people who retire to something thrive; the ones who only retire from something often don't last.Net worth is not a proxy for income. Retirement planning is income planning. A zero-dollar net worth with $20,000 a month of guaranteed income beats a huge number you're too scared to spend down.You can average 7%, withdraw 4%, and still go broke. The average return doesn't matter, the sequence does. A couple of down years early in retirement force you to sell principal, and no Monte Carlo simulation can model human behavior, lifestyle creep, or a long-term care event.Know your two bookends. Multiply your target income by 25 (the 4% rule) for the high end of what you need to save, and by 12 (an 8% annuity) for the low end. For $100K a year, that's $2.5M versus $1.2M, and the right answer for most people sits in the middle.Index to dividend growth, not just the S&P. Roughly 40% of the S&P's total return since inception has come from dividends, and dividend aristocrats have historically raised payouts faster than inflation, giving you an inflation-indexed income stream instead of forcing you to decide what to sell, when, and how much.