Podcasts about Sequence

Reach Out: Please include your email and I will get back to you. Thanks!Link to the Watchman Nee book.emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487The believer rests in Christ. Not just one day, but today. We are seated with Him in a place of protection, help, and assurance. He is with us always, even right now, and with Him comes omnipotence and glory. We are saved, secured, and safe.It is only from this seat that we can truly walk. And I don't mean just get up and start walking. I mean that what is true spiritually remains true: you are seated with Christ, even as you walk. The walk reflects the relationship. It is not an effort to validate what Christ did or to pay Him back. It is not a debt owed. It is a life of hope in Him.The devil will attack. He will try to ruin our confidence. But he is a loser. He has lost. We are on Mount Zion; he is in the valley of despair. We have the high ground in Jesus Christ, and the power of Christ to hold that ground.Sequence is crucial. You cannot stand if you are not seated, nor walk. Begin with Christ, pray about what is true, find joy in who you are in Him and who He is for you. And walk with life and stand with strength—His strength. 

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down to have an honest conversation with the CEO of Affirm, Max Levchin. To keep up with Max, consider following him on LinkedIn and X! You can also follow Affirm on X. ---We're thrilled to introduce the Rich Habits Money Map! If you're someone ready to automate your saving and investing, the Rich Habits way, this workflow by Sequence is for you. Click here to sign up for Sequence and gain access to our Rich Habits Money Map! ---

Thank you to our sponsor, Figure! Ethereum scaling network Polygon is charting a new course. Polygon on Jan. 13 announced that it was becoming a “regulated U.S. payments platform” following the acquisition of Web3 services companies Coinme and Sequence. In this Unchained episode, Polygon Labs CEO Marc Boiron reveals the motivations behind the pivot and what it means for the network and its native token POL. He says that despite the pivot, Polygon is not becoming an application chain. Can Polygon thrive in the stablecoin dominated space? And will POL benefit? Guests: Marc Boiron, Chief Executive Officer at Polygon Labs Links: Flutterwave and Polygon to Launch Africa-Wide Stablecoin Payments Why Wall Street Banks Need to Launch Their Own Stablecoins Stripe and Paradigm Announce New Layer 1 Blockchain 'Tempo' Circle to Launch Layer 1 Blockchain ‘Arc' Stablecoin Blockchains Are Coming. Here's Why These Two Giants Should Be Nervous Learn more about your ad choices. Visit megaphone.fm/adchoices

Polygon buys Sequence, Animoca buys SOMO, Cartridge buys Playmint. Consolidation?[0:28] Today's theme is consolidation.[1:15] Is this the trend for blockchain games companies in 2026 or something more nuanced?[2:00] Why didn't we see more consolidation in 2025?[3:46] Playmint has been bought by Cartridge. This is likely more of an R&D rollup or acquihire deal.[5:53] Playmint worked on fully decentralized games and Cartridge has an onchain game engine.[7:05] Both companies also have a shared investor Bitkraft to enable the deal. [8:40] Sequence has been acquired by Polygon Labs. It's more of a classic consolidation deal. [10:50] Polygon is repositioning itself as a payments and stablecoin infrastructure. [12:13] Sequence's focus has always been cross-chain dev tools for blockchain games.[14:59] Investors like tools. Sequence raised around $50 million.[18:50] Polygon is buying Sequence because it's a proper business with real tech and users.[22:20] Will Sequence focus less on games in future? [23:06] Animoca Brands has acquired web3 gameco SOMO. It's unclear why.[29:31] Delabs Games is shutting down idle RPG Ragnarok Libre. [35:15] Delabs Games is now an AI-first game developer so it's looking to the future.

Crypto News: Bitcoin crosses $95,000 again and the total altcoin market looks primed to pump higher. Major updates on the crypto market structure bill. Polygon strikes $250M deal for Coinme and Sequence in stablecoin payments pushBrought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

In this workshop from the 2024 Rooted Conference in Dallas, Tara Davis and Cameron Cole emphasize the central focus of every gospel-centered children's ministry: the Bible. They present three key approaches to help grow children's biblical literacy and offer practical guidance for implementing each one in your ministry context. Whether you're a seasoned leader or just starting out, this session equips you to faithfully ground your ministry in God's Word. About the Speakers:Tara Davis serves as the Director of Nursery and Children's Ministry at Church of the Advent in Birmingham, Alabama. A former elementary school teacher, she taught for ten years across North Carolina, Tennessee, and Alabama. Tara was named Teacher of the Year at Crestline Elementary and received the Ann Pritchard Award for Excellence in Teaching—an honor given to the top educator in the Mountain Brook School System. She holds a B.S. in Early Childhood and Elementary Education from the University of Georgia and an M.A. in Elementary Education from the University of Alabama at Birmingham. Tara is married to Kyle, and they have a son and daughter.Cameron Cole is the Founding Chairman of Rooted Ministry and serves as the Director of Adult and NextGen Discipleship at St. Peter's Anglican Church in Birmingham, Alabama. With nearly two decades of experience in youth and family ministry, Cameron is the author of Therefore I Have Hope, Heavenward (2024), and co-editor of Gospel-Centered Youth Ministry and The Jesus I Wish I Knew in High School. He holds both an undergraduate degree and an M.A. in Education from Wake Forest University, as well as an M.Div. from Reformed Theological Seminary. Cameron and his wife, Lauren, have four children—one of whom lives in heaven.Rooted Resources:Family Discipleship Video CoursesResources for Family Ministry (Rooted Roundup)Rooted's Scope & Sequence for Youth Ministry Bible TeachingHow to Lead Collaboration Between Youth and Children's Ministry by Andy CornettFollow @therootedministry on Instagram for more updates  Follow @therootedministry on Instagram for more updates andSubscribe to Youth Ministry Unscripted wherever you listen to podcasts

Polygon's head of payments, Sam Fagin, joins Sam Vadas at the NYSE set to talk about his company's role in helping other businesses implement blockchain infrastructure. As stablecoin adoption grows, Polygon acquired Coinme and Sequence for $250 million as a way to meet demand. He explains how Polygon's existing relations, and new ones through Coinme, add to what he considers a long runway for growth. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Okay, this time I’m actually shuffling the deck so you don’t know what’s new and what’s library unless you’re a good guesser. You get analog-style yumminess on this one, along with some metal-flaked post-rock, live performances, feel-good finger-snappers, and more. Start      Michael Brückner, A Sequence of Colours – Parts 8 – 10, A […]

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

This course was hosted by Leerburg in November 2025 and taught by Kevin Sheldahl. Recognized as one of the world's leading scent work instructors, Kevin presents a clear, step-by-step approach to building strong detection fundamentals. Led by one of the nation's most qualified detection dog trainers, this three-day workshop covers core foundations for all levels and detection disciplines, including odor recognition, indication, alert behavior, and search development. | Links mentioned: Foundations of Scent Work Training - 323 Videos: https://university.leerburg.com/Catalog/viewCourse/cid/243

Listen to this exclusive Techno DJ Mix set by Jovan. Download Jovan – Core Sequence 030 for free. Subscribe to listen to Techno music DJ Mix, Tech House music, Deep House, Acid Techno, and Minimal Techno.

Warrior woman — if you're training consistently, eating “pretty well,” doing the steps, doing the protein… and your bod still isn't shifting the way you expected — this episode is for you girl. Because this isn't an age problem. It's not a hormones problem. And it's definitely not a motivation problem. It's a strategy and sequence problem. Body composition is an adaptation. And adaptations have prerequisites. Most women were taught the what… but not the when, the why, or the context. So you end up executing “the right things” inside a system that can't support the outcome you're asking for. In this episode, I'm teaching you how to think like a strategist:strategy → systems → sequencing — and why your bod adapts when the inputs finally make sense in the right order. What You'll Learn in This Episode If you've been stuck in that loop of “I'm doing everything… why isn't this working?” we're unpacking: What strategy actually is (and why it's not just a plan) Why your body responds to context not effort The difference between a goal and a strategy The “Warrior System Stack”: the 4 layers you can't skip if you want results Why you're chasing the outcome your system isn't ready to support How to find the one system that's currently limiting your progress What to do next if you want body recomposition (without forcing it) Key Takeaways (Strategy, Systems + Sequencing) 1) Body composition is an adaptation — and adaptations require prerequisites 2) You were taught the what**… not the** order 3) Your strategy fails when it ignores the system you're operating inside 4) The Warrior System Stack Layer 1: Nervous system (safety, capacity, resiliency) Layer 2: Metabolic system (energy availability, consistency) Layer 3: Mechanical system (movement, load tolerance, joints/tissues) Layer 4: Adaptation (intensity + expression — where body comp happens) 5) Sequence beats intensity 6) If nothing is changing, it's not because your body is stubborn — it's because she's intelligent 7) Ask these 3 questions to find your next move Which system is limiting me right now? (nervous / metabolic / mechanical) Am I trying to force an adaptation I haven't prepared for? What's the next stabilizing action I can repeat for 30 days? Powerful Quotes “Your body doesn't respond to effort alone. She responds to context — to systems — to order.” “This is not an age problem. This is not a hormone problem. It's a strategy and sequence problem.” “Body recomposition is an adaptation — and adaptations require prerequisites.” “You're doing a lot of the right things… but in the wrong era of your body and your life.” “If you skip the order, your body doesn't adapt — not because she's stubborn, but because she's intelligent.” BUILD THE BODY YOU LOVE TRAINING ASSESSMENT WORKSHOP If you want to build a body you love… you have to know where you're actually at. Girl… you're doing so many of the right things. The lifting, the walking, the fuelling — you're trying. But if you don't know where you're actually at in your training — what's working, what's missing, what your body needs right now — it's almost impossible to move forward. That's why I'm hosting a small, private workshop on JAN 30th We're going to slow everything down and look at your training clearly so you finally know what to focus on — and why. This workshop gives you a proven pathway and the exact next steps you need to finally move forward — now and in the next six months. Because: You can't build the body you love if you don't know where you're really at. Save your seat and get your Training Assessment — https://warriorschool.co/training-assessment/ Listen + Subscribe If you've been stuck doing “all the right things” and wondering why your body isn't changing — this episode will give you the missing piece: order. Press play now, and if this hits, subscribe so you don't miss what's coming next inside Warrior School Pod.

In this episode, we discuss our biggest lessons from our interview with Bill Bengen, the creator of the 4 percent rule, and are joined by special guest Ben Tuscai.We explore how one of the most widely cited ideas in retirement planning was developed, how it is often misunderstood, and how it should actually be used in real-world financial planning. The conversation bridges academic research and practical application, digging into safe withdrawal rates, sequence of returns risk, inflation, portfolio construction, and what retirement planning really looks like across decades of uncertainty.• How and why Bill Bengen originally developed the 4 percent rule• What the 4 percent rule actually means and the most common ways it is misapplied• Why inflation and sequence of returns risk are the biggest threats to retirees• The role of diversification and asset allocation in safe withdrawal strategies• How market valuations and bond yields affect sustainable withdrawal rates• Why higher equity exposure can sometimes increase retirement safety• The evolution from the original 4 percent rule to higher safe max withdrawal rates• The psychology of retirement spending and sleeping well during market stress• Planning for longer retirements, early retirement, and rising healthcare costs• U-shaped and rising equity glide paths and why they can improve outcomes• Bucket strategies, cash reserves, and managing withdrawals through bear markets• When spending more or taking less risk makes sense after you have already “won the game”00:00 – Introduction and why the 4 percent rule still matters03:00 – Bill Bengen explains how the 4 percent rule was created06:00 – Worst historical retirement periods and inflation risk10:30 – How advisors actually use the 4 percent rule in practice15:30 – Inflation, bear markets, and sequence of returns risk18:30 – Market valuations, CAPE ratios, and withdrawal rate adjustments23:00 – Financial planning software versus simple rules of thumb27:00 – Sequence risk explained and why retirees can get hurt early31:00 – How diversification increased safe withdrawal rates over time37:00 – Safe max withdrawal rates and optimal equity allocation42:30 – Longer retirements, FIRE, and planning beyond 30 years45:30 – U-shaped and rising equity glide paths explained50:30 – Healthcare costs, longevity risk, and retirement stress testing56:30 – Bucket strategies, cash reserves, and dynamic withdrawalsMain Topics CoveredTimestamps

Claiming your retirement income in the wrong order can cost you hundreds of thousands of dollars over your lifetime. In this episode, Adam Olson, CFP®, breaks down the optimal sequence for pulling from your 401(k), starting your pension, and claiming Social Security — and why the order you choose dramatically impacts your taxes, income, and long-term security.Most retirees make the same avoidable mistakes:• Taking Social Security too early• Delaying 401(k) withdrawals until it triggers huge RMDs• Starting pension income before planning tax brackets• Stacking income sources at the worst possible timesUsing real client examples, Adam explains:Why 401(k) first often delivers massive tax savingsWhen to turn on pension income for maximum stabilityHow delaying Social Security to age 70 unlocks the most lifetime valueHow proper sequencing protects against longevity risk, tax shock, and market volatilityWhy strategic timing—not just savings—determines retirement successThis episode gives you the framework to coordinate all three income sources so you get more lifetime income, pay less in taxes, and retire with far more confidence.

The Couple With $8.5 Million… and One Salad “Bruce, I'm afraid we're going to run out of money.” He had over $8.5 million across different accounts. They were in their early 70s. On paper, they were far ahead of where most people ever get. https://www.youtube.com/live/L4phmdaJydw But his fear was so real that when they went out to dinner, his wife shared a salad instead of ordering her own—because he was afraid they “couldn't afford” it. This is what we see over and over again. People obsess over the question “how much do I need to retire?”They chase a number.They hit that number—or get close to it.And still feel anxious, fragile, and uncertain. The problem isn't just the money.The problem is the model. The Couple With $8.5 Million… and One SaladWhy “How Much Do I Need to Retire?” Is the Wrong First QuestionHow Much Do I Need to Retire? Why That Question Is MisleadingRetirement Cash Flow vs Nest Egg: What You Really NeedSequence of Return Risk in Retirement: Why Timing Matters More Than AveragesBuilding a Retirement Buffer Account to Protect Your PortfolioHow a buffer account protects your retirement portfolio:The LIFE Acronym for Retirement Planning: Liquid, Income, Flexible, EstateProblems With Traditional Retirement Planning and the 4 Percent RuleRedefining Retirement: Gradual Retirement vs Traditional “Out of Service”Cash-Flowing Assets and Alternative Investments for Retirement Cash FlowUsing Whole Life Insurance in Retirement for Guarantees and FlexibilityHow Much Do I Need to Retire? Rethinking the Real QuestionListen to the Full Episode on How Much Do I Need to RetireBook A Strategy CallFAQ: How Much Do I Need to Retire?How much do I need to retire comfortably?How do I know if I have enough to retire?What is sequence of return risk in retirement?What is a retirement buffer account?Is whole life insurance good for retirement income?How can I create guaranteed income in retirement without a pension?How much income do I need in retirement each month?How can my retirement plan serve future generations? Why “How Much Do I Need to Retire?” Is the Wrong First Question If you've ever typed how much do I need to retire or how much money do I need to retire into Google, you're not alone. The financial industry has trained us to believe that the right “number” equals security. But that question is incomplete. It ignores: How long you'll live How much you'll actually spend How many emergencies will show up What taxes and inflation will do What sequence of returns your investments will experience In this article, Bruce and I will help you: Understand why “how much do I need to retire” is the wrong question to start with See the difference between retirement cash flow vs nest egg Grasp sequence of return risk in retirement with simple examples Learn how a retirement buffer account can protect you Use the LIFE acronym for retirement planning (Liquid, Income, Flexible, Estate) Explore cash flowing assets, alternative investments, and whole life insurance in retirement Rethink retirement itself—from an “out of service” event to a purposeful, gradual transition My goal is to empower you to take control of your financial life with clarity, not fear. How Much Do I Need to Retire? Why That Question Is Misleading The classic commercial asked, “What's your number?” People walked around carrying a big orange figure that supposedly represented what they needed to retire. Here's the problem: That number assumes: A set rate of return A set withdrawal rate No major disruptions And that you won't touch your principal But real life is not a straight-line projection. When you ask how much do I need to retire, you're usually really asking: “How can I have enough cash flow for as long as I'm alive, without living in fear?” The issue is not just how much you have—it's how that wealth behaves under stress and how it converts into dependable income. Retirement Cash Flow vs Nest Egg: What You Really Need Traditional planning focuses on accumulation: “If I can just get to $X million, I'll be fine.” But what you actually live on is cash flow, not the size of your account statement. You need to know: How much income do I need in retirement each month? Which part of that income is guaranteed and which part is variable How that income will behave if markets drop or inflation spikes If you have $2 million but no idea how to turn that into reliable, sustainable cash flow, you will feel fragile. If you have a mix of guaranteed income in retirement plus flexible cash flowing assets, even a smaller nest egg can feel much more secure. The question isn't just how much money do I need to retire, but how do I design cash flow that will last? Sequence of Return Risk in Retirement: Why Timing Matters More Than Averages The industry loves to tell you that “the market averages 10% over time.” That's nice trivia—but it's not how your life works. If you're accumulating, you can ride out the ups and downs.If you're retired and pulling money out, the sequence of returns can make or break you. Here's a simple illustration: Start with $100,000 Year 1: -20% → now you have $80,000 Year 2: +20% → now you have $96,000 The average return is 0% (-20 + 20 / 2).But your actual money is down $4,000. Now imagine that on top of the losses, you're pulling out 4–6% per year to live. Suddenly, the portfolio has to recover the market loss and everything you withdrew. That's sequence of return risk explained with examples—and why relying solely on averages is dangerous. Building a Retirement Buffer Account to Protect Your Portfolio One of the most powerful ways to address sequence of return risk in retirement is using a retirement buffer account. The idea is simple: When markets are down, you do not take distributions from your volatile assets. Instead, you live off a separate, safe buffer of liquid capital. This buffer could be: Cash in the bank CDs or other stable vehicles Cash value in a well-designed whole life insurance policy How a buffer account protects your retirement portfolio: It gives your market-based assets time to recover It reduces the risk of selling low during downturns It lowers emotional stress when headlines scream “market crash” You're no longer forced to sell when everything is on sale. The LIFE Acronym for Retirement Planning: Liquid, Income, Flexible, Estate To make this practical, we often walk clients through the LIFE acronym for retirement planning: L – LiquidHow much “15-minute money” do you need to feel comfortable? This is money you can access quickly for emergencies or peace of mind—not dependent on your cash flow plan. I – IncomeHow much income do you need each month? How much of that would you like guaranteed? This is where retirement income planning really happens. F – FlexibleThis is liquid money that's not earmarked for emergencies or core living expenses. It's for things like trips, special projects, and helping kids or grandkids. It's the “I can do this without stress” bucket. E – EstateHow much do you want to leave behind, and in what form? This is where how to make your retirement plan serve future generations becomes part of the design. A well-designed mix of cash, whole life insurance, and other assets can touch every part of LIFE: Liquid, Income, Flexible, and Estate. Problems With Traditional Retirement Planning and the 4 Percent Rule Traditional planning often rests on: A withdrawal rule (4% or 5%) Market-based portfolios Historical averages and Monte Carlo simulations But as Bruce mentioned: A 100-year average doesn't matter if you're retired for 20 years Inflation erodes real purchasing power Market volatility plus withdrawals increase fragility Focusing only on accumulation creates emotional anxiety This is why cash flow vs accumulation in retirement planning is such an important shift. When you're not dependent on markets going up every year just so you can eat, your whole experience of retirement changes. Redefining Retirement: Gradual Retirement vs Traditional “Out of Service” Nelson Nash used to remind us: Retirement, by definition, means “taken out of service.” Most of us don't want to be taken out of service; we want to stay useful, engaged, and purposeful. Instead of a hard stop at 65, consider redefining retirement as a gradual retirement vs traditional retirement: Negotiating part-time work or consulting Reducing hours instead of walking away completely Staying in the game mentally, physically, and relationally We've seen engineers move to 10 hours a week, seasoned professionals mentor younger staff, and business owners step back from daily operations while still contributing. Purposeful work, even part-time, can: Supplement your retirement income Reduce pressure on your portfolio Keep you sharp and connected Retirement doesn't have to mean being benched. Cash-Flowing Assets and Alternative Investments for Retirement Cash Flow Another powerful way to support retirement is shifting some focus from growth-only assets to cash flowing assets for retirement. Examples include: Dividend-paying stocks Real estate (direct ownership or funds) Private lending Certain alternative investments for retirement For accredited investors, there are a variety of alternative investments for retirement cash flow: Multifamily apartment funds Industrial and distribution center funds Certain energy or infrastructure programs Technology and telecom infrastructure (like tower or data assets) These are not guaranteed and require careful due diligence, but they're often backed by real underlying assets and designed with yield in mind.

JP was really bothered by one specific moment in the Commanders' loss to the Cowboys

Here's a problem that'll make your head spin: What do you do when you can sell way more than your company can produce? That's the question posed by Dylan Noah from Toronto. Dylan sells craft cider to bars and restaurants across his territory. He's the only salesperson for a small producer, working with limited tools (no proper CRM), and here's the kicker: he could sell a million dollars' worth of product, but production isn't enough to meet that demand. If you're shaking your head thinking this is a champagne problem, you're half right. But for Dylan trying to hit his income goals through commissions, it's a real constraint that's costing him money every single day. The CRM Obsession Is a Distraction Let's tackle the first issue head on. Dylan is worried he doesn't have the right CRM tools to manage his accounts and hit his numbers. Here's the brutal truth: at one point in time, salespeople sold a lot of cider, beer, wine, liquor, and all kinds of other stuff without any CRM at all. They used index cards in a box. They had lists on paper. And they crushed it. You're a small business with one salesperson working with 3,000 to 7,000 potential accounts in your territory. The last thing you should worry about right now is a $40,000 CRM system. Could you use automation for email sequences and promotions? Absolutely. Should you eventually invest in something like HubSpot or Pipedrive? Yes. But right now, what you need is a simple system to identify your best accounts and focus your time there. You're not going to hit $1 million across 3,000 accounts. You're going to hit it across 500 accounts that are the biggest restaurants and bars, where they like you, their customers like cider, and where you can create events and experiences that spike sales. Use a spreadsheet. Use index cards. Use whatever basic tool you've got right now. Create a 30-60-90 day system where you know who you're calling on in the next 30 days, the next 60 days, and the next 90 days. Build a list of your top 250 accounts that buy the most from you. That's where you live. Stop obsessing over tools you don't have and start maximizing the opportunity in front of you. Scarcity Is Your Secret Weapon This brings us to the real issue: production capacity. Dylan can sell it, but his company can't make enough of it. The bourbon distillers in America are dealing with this exact problem right now. They ramped up production years ago based on projected demand, and now they're sitting on excess inventory that's aging out. It's a delicate balance, and if you make too much, it goes bad and you lose everything. Here's what most salespeople don't understand about scarcity: it's actually a competitive advantage if you manage it right. When you have limited product, you're always going to be in an ebb and flow situation. Sometimes you'll have an abundance of one product type. Sometimes you'll have high demand products in short supply. The key is building a system that lets you move fast when opportunity strikes. This is where building buying profiles for every single customer becomes essential. You need to know which accounts buy which types of products, what their purchase patterns look like, and what their potential is (high, medium, or low). Think about it like your account coverage pyramid. When you have product available, you start at the top with your highest value accounts and work your way down. You're not treating all 150 accounts the same. You're prioritizing based on potential. When you have an abundance of one product type, you go directly to the customers who buy that product and say, "Hey, I've got product right now. Do you want to buy?" You can run specials. You can offer incentives (within legal limits). You move it fast. When your high demand products come in, you call your best accounts first and say, "I've got ten cases of this. I'm calling you first. How many do you want?" Then you go down your list. Most of the time, you'll sell out before you even leave your office. But if you've got 150 accounts and you're treating them all the same, it gets overwhelming fast. Segment them. Prioritize them. Work them strategically. Making Your Number When You Can't Control Supply The income issue is where this gets really interesting. Dylan wants to double his sales and earn more commissions, but he can't because the company keeps running out of product. Here's my take: if you're supposed to sell $1.5 million but your company only produces $750,000 worth of product that you could sell, they should pay you for the $1.5 million. Production was the reason you couldn't make your number, not your sales ability. Now, I know there are people in operations reading this who are going to say I'm full of it. But from a sales standpoint, if you've sold out of everything available, you've done your job. The constraint isn't you, it's production capacity. That's a hard conversation to have with ownership, I get it. But here's how you make that case: sell out of the other stuff that people don't want as much. Figure out how to move all of it. Put yourself in a position where you own the moral high ground when it comes to sales performance. If you do that and they still can't or won't pay you for what you could have sold, then you've got a decision to make. But at least you'll have learned how to sell in a resource-constrained environment, how to build relationships, how to manage your territory, and how to work a manual system. Those are skills that transfer to any sales role, especially ones that give you all the bells and whistles and unlimited product to sell. The Power of Old School Discipline Let's go back to 1985 for a minute. In 1985, you would have had a Rolodex with tabs for H (high potential), M (medium potential), and L (low potential) accounts. When product came in, you'd open to H, pull out the cards, and start dialing. "I've got ten cases of your favorite cider. I'm calling you first. How many do you want?" If they don't want any, click. Next card. By the time you hit the tenth account, you're usually sold out. That's the power of segmentation combined with discipline. Systems beat moods. Sequence beats sporadic effort. Process creates momentum. You don't need fancy technology to do this. You need clear priorities, good segmentation, and the discipline to work your system consistently. The Bottom Line If you're in Dylan's situation with limited tools and limited product, here's your game plan: Stop worrying about what you don't have and focus on maximizing what you do have. Build a simple segmentation system using whatever tools are available. Create detailed buying profiles for all your accounts so you know exactly who to call when specific products become available. Work your account coverage pyramid from top to bottom, always prioritizing your highest value customers. Sell out of everything, even the less popular products, so you have leverage when talking to ownership about compensation. The reality is that most sales challenges aren't about having the perfect tools or unlimited resources. They're about having the discipline to work a proven system consistently, even when conditions aren't ideal. That's how you win in sales. That's how you hit your numbers. And that's how you build a foundation of skills that will serve you for your entire career, whether you stay in a resource constrained environment or move to a role where the sky's the limit. Ready to master the fundamentals of prospecting and account management? Check out Jeb Blount's latest book with Brynne Tillman, The LinkedIn Edge, and learn how to build systematic, relationship-driven sales processes that work in any environment.

00:00:28 Opening00:02:18 Best Moment or Sequence01:06:57 Wish I Liked It More01:18:17 Touchy Feely of the Year01:36:56 Chase's Best Hack01:49:08 Best Strand Game01:58:04 Best Debut02:07:32 Best #202:21:54 Day 2 recap + outroDay 2 of our 2025 GOTY deliberations. We dig into Best Moment or Sequence, Wish I Liked It More, Touchy Feely of the Year, Chase's Best Hack, Best Strand Game, Best Debut and Best#2. Gaming's Odd Couple kill their darlings, but not their friendship as they wrap up this years Casual Categories!// T W I T C H  &  Y O U T U B E------------------------------------------------------------------------------------M W F @ 9 PM CST⁠twitch.tv/thecasualhour⁠⁠youtube.com/thecasualhour⁠// S U B S C R I B E------------------------------------------------------------------------------------⁠https://www.youtube.com/thecasualhour⁠We post Casually Considereds and VODs from previous streams weekly!// F O L L O W------------------------------------------------------------------------------------One link to rule them all:⁠ www.thecasualhour.com⁠// T H E   C A S U A L   H O U R------------------------------------------------------------------------------------Bobby Pease -⁠ ⁠https://linktr.ee/bob_ombyChase Koeneke -⁠ http://Linktr.ee/chase_koeneke⁠// M U S I C------------------------------------------------------------------------------------Love our theme music? It was created by Patric Brown. You can follow his antics on Twitter⁠ @insaneanalog⁠ or check out more of his music and download our theme at⁠ www.insaneanalog.com⁠

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In this episode of the Wharton FinTech Podcast, host Vaibhav speaks with Riya Grover, co-founder and CEO of Sequence, an AI native revenue platform that unifies quoting, billing automation, and receivables so finance can finally run at the speed of sales. Riya shares her journey from investment banking and Harvard Business School to exiting her first startup and then launching Sequence to fix one of the most neglected parts of the CFO stack, quote to cash and accounts receivable. She goes deep on what it really takes to find product market fit in a saturated software world, why AI native entrants can out execute incumbents, and how Sequence is using agents to automate complex finance workflows. They also unpack Riya's recent Series A fundraise, the story that resonated with investors, and her candid advice for founders building in a noisy, AI heavy, but more competitive than ever venture environment. In this episode, we learn about: - Why quote to cash and revenue operations have lagged behind AP and spend in automation - How Sequence uses AI agents to read contracts, generate invoices, and support finance teams - What investors really cared about in Sequence's Series A, from logo quality to 190 % NRR - How Riya stays close to customers while scaling a fast growing infra company - Her advice for aspiring founders on standing out in today's crowded AI landscape

David Stifter spent 20 years as head of technology at Colony Capital, managing systems for a $60 billion private equity real estate firm. When a longtime AP specialist retired, the company lost its institutional knowledge for coding complex invoices across thousands of entities and tenant relationships. After a year evaluating RPA, template-based approaches, and early OCR solutions, David recognized that structured historical data—invoices paired with their coding—could train AI models to capture implicit business rules. Five years ago, at 40 with young children, he left his executive role to build PredictAP. The company now processes tens of thousands of invoices monthly for firms including Bridge Investment Group, demonstrating how operational expertise combined with AI can solve problems that pure technology approaches miss. Topics Discussed Identifying AI use cases with structured annotated data and human feedback loops  Moving from CTO buyer to vendor founder and discovering which networks actually convert  Building repeatable sales motion after exhausting warm introductions  Technology adoption barriers in real estate and the domain expertise requirement for vertical SaaS  Hiring sales leadership to scale from founder-led to systematic pipeline generation  Solving complete workflow integration challenges beyond isolated technical problems GTM Lessons For B2B Founders Match technical approach to problem structure, not trend: David identified three critical elements for his AI application: structured annotated data from historical invoice coding, recognizable patterns in implicit business rules, and human review as a feedback mechanism. He notes many founders "try to shove AI, the AI hammer to smash any nail, but they're not always the best use case." Six years ago, before modern LLMs, he used historical invoice-coding pairs as training data—solving the annotation problem that plagued early machine learning. Founders should evaluate whether their problem has the structural characteristics that make a given technology approach viable, rather than applying trending solutions to force market fit. Network quality reveals itself when you need something: David contrasts two early investors: a former acquisitions executive who promised extensive connections but delivered "not a single callback" after leaving their role, versus an asset manager who generated "hundreds" of leads through genuine relationships. The acquisitions person experienced "an existential crisis" realizing "my network was based upon my ability to have a massive checkbook behind me." Founders should recognize that network strength isn't tested until you're asking rather than giving—those who built relationships through consistent helpfulness rather than transactional power will see different response rates when they launch. Architect the founder-led to systematic sales transition: After two years of founder-led sales, David "hit that wall" and brought in Steve Farrell, prioritizing experience scaling from $3-5M to $20M ARR over industry-specific expertise. He notes warm intro calls are "very to the point" while cold outreach "starts hostile or skeptical"—requiring entirely different trust-building approaches. The shift required adding BDRs, AEs, and systematic content generation. Founders should hire sales leadership with specific stage experience before network depletion forces reactive hiring, and expect to rebuild positioning for skeptical buyers who lack pre-existing trust. Integrate solutions into existing workflow infrastructure: David emphasizes the failure mode of optimized point solutions: "They have a perfect solution from the technical problem but it's not going to work for this firm because it's not going to fit into their workflow." He maps the complete experience including integration with existing systems, training requirements, user experience, consistency, and speed. Technical superiority in isolation leads to "problems with adoption and retention." Founders should map every system, process, and stakeholder their solution touches, designing for workflow integration rather than isolated problem-solving. Sequence customer sophistication as you scale beyond innovators: David's initial customers were "leading edge folks" from his technology network who understood AI potential. As PredictAP matured, sales cycles became "much longer" with more conservative firms requiring higher proof thresholds. He learned that "initial sales have to be very successful and you have to have customers that advocate for you" because mainstream buyers need extensive social proof. Founders should recognize that early adopter ICP differs fundamentally from mainstream buyers—what closes innovators (technology potential) differs from what closes pragmatists (proven ROI and references), requiring distinct positioning and sales approaches for each segment. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

In this episode—the 100th Lozano Smith Podcast episode—host Sloan Simmons joins Partners Alyse Pacheco Nichols and Crystal Pizano to discuss strategic planning and best practices for responding to requests under the California Public Records Act. Alyse and Crystal's respective expertise in Governance and Municipal practice areas lends a practical discussion useful for local educational agencies and municipalities faced with the ever-increasing number and complexity of public record requests. Show Notes & References 2:02 – Sequence of events when Local Educational Agencies (LEAs) receive requests for information 5:12 – Unclear requests and seeking clarification 6:39 – The value of understanding who a requester is and the motivations behind any requests 10:21 – Contextual clues to help LEAs know what types of records to identify for disclosure 12:28 – Requests that may relate to anticipated litigation or politically sensitive subjects 15:48 – Large-scale email PRA requests and how to go about gathering documents 19:04 – Best practices for large requests 22:48 – Partnering with legal counsel For more information on the topics discussed in this podcast, please visit our website at: www.lozanosmith.com/podcast

In this episode, we are highlighting a presentation given at IFI’s 2025 annual Worldview Conference, which was held at Belmont Bible Church in Downers Grove. Scott Phelps, head of the Abstinence and Marriage Partnership organization, shares the Success Sequence program with the audience in the first half of the program, and in the second, demonstrates how the sex education programs in government schools codify the sexual revolution to the detriment of America.   Attend IFI’s 2026 Worldview Conference by registering here!… Continue Reading

In this episode, we are highlighting a presentation given at IFI’s 2025 annual Worldview Conference, which was held at Belmont Bible Church in Downers Grove. Scott Phelps, head of the Abstinence and Marriage Partnership organization, shares the Success Sequence program with the audience in the first half of the program, and in the second, demonstrates how the sex education programs in government schools codify the sexual revolution to the detriment of America.   Attend IFI’s 2026 Worldview Conference by registering here!… Continue Reading

In this episode, Warren Ingram and Pieter de Villiers speak about the essential strategies for managing investments during retirement. They touch on the importance of understanding investment risks, maintaining stock market exposure, and creating a balanced asset allocation. The conversation also covers the significance of local versus offshore investments, managing cash reserves, and the psychological aspects of spending in retirement. TakeawaysRetirement is a new phase, not the end of investing.Cost of living increases are a significant concern in retirement.Managing emotions is crucial for investment strategies.Investing too conservatively can lead to financial struggles later.Sequence of return risk can impact long-term capital.A balanced asset allocation is essential for retirement.Stock market exposure is necessary for inflation protection.Cash reserves can mitigate risks during market downturns.Spending in retirement should be planned and intentional.Lifestyle changes should be considered in retirement planning.Learn more about Prescient Investment Management here.Send us a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

The advent calendar arrived nine days ago. No sender. No explanation. Just twenty-four numbered doors and a carved face with empty eyes that seemed to know exactly who Matthew Klein used to be.Since then, Marshport has become a graveyard.Three people are dead. A teenage boy has been twisted into a puppet for murder. A phantom child wrapped in ash and embers stalks the shadows, demanding obedience. And Matthew Klein — the man who ran while his family burned thirty years ago — has been branded with a wound that will not let him forget.He tried to destroy the calendar. The ocean spat it back. He refused to open a door. His youngest son woke screaming, wrapped in the coils of a python that should not exist.Now a mysterious hooded figure haunts the edges of Matthew's world. A bearded man who appears at funerals and vanishes into crowds. Someone who knows the rules of this game — perhaps even someone who wrote them.Pastor Russell Hart has offered to help – but has made a caveat… don't open the next door until he's in the room with the calendar to see it for himself. Get the print version of the novel: https://weirddarkness.com/AdventOfEvil#WeirdDarkness #ChristmasHorror #HolidayHorror #SupernaturalThriller #HauntedCalendar #DarkChristmas #HorrorStory #DemonicEvil #CreepyTales #YuletideTerror

The Momentum Equation: Why Effort Alone Won't Grow Your Cash PT Clinic In this episode, Doc Danny Matta uses a simple physics concept—momentum—to explain why some cash practices take off and others stall out. He breaks down his "business momentum equation" (effort × accuracy), shows why hard work on the wrong things keeps you stuck, and explains how to aim your effort at the right tasks so your clinic actually moves forward. Quick Ask If this episode helps you see your business more clearly, share it with another clinician who's grinding but not gaining traction—and tag @dannymattaPT so he can reshare it. Episode Summary Physics meets practice: Danny borrows the momentum formula (mass × velocity) and adapts it to business. The new equation: In business, momentum = effort × accuracy. Effort isn't the issue: Most cash PT owners work hard; the problem is where that effort goes. Accuracy is the multiplier: Working on the right tasks, in the right order, is what creates real momentum. Wrong work, no progress: You can row 80 hours a week and still go in circles if your strategy is off. Foundations first: Just like rehab progressions, business skills must be built in sequence. Clarity relieves stress: Knowing "what's next" eliminates the anxiety of guessing your way forward. Get help when stuck: Coaching and proven frameworks improve accuracy and speed up results. Lessons & Takeaways Momentum is earned: It shows up when focused effort stacks on top of clear priorities. Hard work isn't rare: What's rare is hard work applied to the right problems. Sequence matters: Don't skip from "no leads" to "advanced funnels" without basic sales and marketing skills. Self-awareness is a skill: Admitting what you don't know is the first step to changing your results. Help = faster, safer growth: Guidance reduces mistakes when your business is how you feed your family. Mindset & Motivation Stop blaming effort: If you're already grinding, your problem is almost always accuracy, not hustle. Reframe "stuck" as mis-aimed: Feeling stalled usually means your work is pointed at the wrong targets. Accept that it's hard: Building a clinic that changes your life is supposed to be difficult—and that's why it's meaningful. Decisiveness beats drift: Endless learning with no action is purgatory; pick a plan and move. Pro Tips for Clinic Owners Audit your week: List your tasks and circle only the ones that directly drive revenue, retention, or referrals. Kill "busy work": Offload or eliminate tasks that don't move you toward your goals. Set one main target: Focus your effort on a single primary objective for the next 90 days. Use tech to free capacity: Tools like Claire can take documentation off your plate so you can work on higher-value projects. Get outside eyes: A coach or advisor can quickly spot where your accuracy is off and help redirect your effort. Notable Quotes "Momentum in business isn't mass × velocity—it's effort × accuracy." "Most entrepreneurs aren't lazy. They're just rowing hard in the wrong direction." "If nothing changes, nothing changes. Learning without implementation doesn't move your life forward." "The stress comes from not knowing if you're doing the right things, not from hard work itself." Action Items Review your last two weeks and identify where most of your effort is going. Circle 2–3 tasks that truly drive growth (new evals, follow-ups, referrals, key projects). Eliminate or delegate at least one "busy" task that doesn't impact revenue or retention. Define your next 90-day priority and align your calendar to it. Schedule a strategy call with PT Biz to get a second set of eyes on where your effort and accuracy are misaligned. Programs Mentioned PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Get crystal clear on your numbers, pricing, and plan to go full time in your practice. Join here. Resources & Links PT Biz Website Free PT Biz 5-Day Challenge Book a PT Biz Discovery Call MeetClaire AI – AI scribe for PTs with a free 7-day trial About the Host: Doc Danny Matta is a physical therapist, entrepreneur, and founder of PT Biz and Athlete's Potential. He's helped over 1,000 clinicians start, grow, and scale successful cash practices and is on a mission to help PTs build businesses that create both time and financial freedom.

Send us a textIn this episode I explore a question so many spiritually aware creators and entrepreneurs quietly hold: Can your authentic self really be enough to attract moneyExplore the Sequence Here: https://pages.michaeledwardslive.com/thesequenceThis conversation was sparked by a client message that opened a much deeper inquiry into authenticity, abundance, and the real mechanics of manifestation. I recorded this from the jungle in Costa Rica, in a moment where the creative impulse was alive and I followed it without resistance. The perfect metaphor for what unfolded.We explore what authenticity truly is beyond personality or performance. How dissolving the not self allows your divine frequency to flow through your human experience without distortion. Why abundance is your natural state, yet mental money patterns can still block your receiving. And how the architecture of energy, mind, and matter shapes everything you create.I share the behind-the-scenes story of undervaluing my work, running a twenty two dollar membership, overgiving to the point of financial struggle, and the moment I realized it wasn't others who failed to value me. It was me. That recognition became the catalyst for redefining my pricing, boundaries, and energetic standards, ultimately leading to the ease, prosperity, and aligned clients I now experience.Inside this episode we exploreLiving in authentic frequency and why it changes everythingDistinguishing energetic blocks from mental money scriptsThe role of self-value in pricing your workWhy aligned three D structures matter just as much as five D intentionHow to build pathways for money to flow with clarity and coherenceIf you are a healer, creator, coach, or leader on the path of soul-led prosperity, this episode will give you both the energetic reframe and the practical structure needed to expand.Toward the end, I share The Sequence — a trio of programs designed to elevate your frequency, dissolve limiting beliefs, and anchor the material choices that bring your highest timeline into form.If this conversation resonates, I'd love to hear what opened for you. Share it with someone who needs this reminder, and make sure you're subscribed for the next episode.Join us for our free Lunar Activations: https://pages.michaeledwardslive.com/lunar Explore Michael's World:https://bio.michaeledwards.live/

In this episode of Retire With Style, Alex Murguia and Wade Pfau explore core themes in retirement planning, including the 4 percent rule, sequence of returns risk, and how to balance discretionary and essential spending. They discuss how these factors shape retirement income strategies, the role of reliable income sources, and when a rising equity glide path can be beneficial. The conversation highlights why retirees may need a more flexible and adaptive approach rather than relying on traditional rules of thumb.   Takeaways The 4% rule is not a constant and can vary based on market conditions. Sequence of return risk is a real concern but may be overstated for average investors. Discretionary spending in retirement should be carefully planned to avoid future regrets. Variable spending strategies can help manage sequence risk effectively. Reliable income sources are crucial for covering essential expenses in retirement. Investors should consider the implications of longevity risk on their withdrawal strategies. The rising equity glide path can be a useful strategy for managing investment risk in retirement. Dividend income should not be the sole focus for retirement income planning. The retirement planning community often relies on outdated paradigms that may not serve current needs. Education on retirement income strategies should start early, even in high school. Chapters 00:00 Introduction to Retirement Planning Themes 06:11 Understanding the 4% Rule and Withdrawal Strategies 12:03 Exploring Sequence of Return Risk 17:59 Discretionary vs. Essential Spending in Retirement 24:13 The Role of Dividend Income in Retirement 30:06 Rising Equity Glide Path Strategies 36:04 The Shift from Traditional Drawdown Paradigms   Links    Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

Thursday 4th December: An Advent Sequence by St Martin's Voices

Welcome to Friday Coaching Clinic Episodes. These are LIVE coaching session snippets where you have the opportunity to learn as both client and coach. I encourage you to think about how you might coach through this topic as a coach or how this situation may support you as a client. A reminder about these episodes: This snippet is just one way of coaching through this topic. Each coach has their own unique voice, personality and confidence to best support their clients and I invite you to find yours.  This week: Your Email List Isn't Broken, Your Welcome Sequence Is

This is AI x Multilateralism, a mini-series on The Next Page, where experts help us unpack the many ideas and issues at the nexus of AI and international cooperation.   AI has the dual potential to transform our world for the better, while also deepening serious inequalities. In this episode we speak to Dr. Rachel Adams, Founder and CEO of the Global Center on AI Governance and author of The New Empire of AI: The Future of Global Inequality. She shares why Africa-led and Majority World-led research and policy are essential for equitable AI governance that's grounded in the realities of people everywhere.  She reflects on: why the work of the Center's flagship Global Index on Responsible AI and its African Observatory on Responsible AI are bringing much-needed research and evidence to ensure AI governance is fair and inclusive.  her thoughts on the UN General Assembly's 2025 resolutions to establish an International Scientific Panel on AI and a Global Dialogue on AI Governance, urging true inclusion of diverse voices, indigenous perspectives, and public input why we need to treat AI infrastructure as an AI Global Commons and, the power of local-language AI and public literacy in ensuring we harness the most transformative aspects of AI for our world.  Resources mentioned:  The Global Center on AI Governance The Center's Global Index on Responsible AI The Center's African Observatory on Responsible AI, and its research series Africa and the Big Debates on AI Production:    Guest: Dr. Rachel Adams Host, production and editing: Natalie Alexander Julien  Recorded & produced at the Commons, United Nations Library & Archives Geneva  Podcast Music credits: Sequence: https://uppbeat.io/track/img/sequence Music from Uppbeat (free for Creators!): https://uppbeat.io/t/img/sequence License code: 6ZFT9GJWASPTQZL0 #AI #Multilateralism #UN #Africa #AIGovernance

Buy-and-hold has a place—but retirement brings new risks like sequence-of-returns, required withdrawals, and tax considerations. In this conversation, Ken and the team break down how market downturns can affect lifetime income, why diversification alone may not limit losses, and where a rules-based “sell discipline” can fit into a retirement plan.We cover:• Sequence-of-returns risk and why early losses can sting in retirement• Where diversification helps—and where it doesn't• The role of a rules-based sell discipline alongside long-term investing• How cash flow planning and tax awareness influence portfolio choices• Practical next steps for people in or near retirementIf you're within five years of retirement (or already retired), this episode will help you think more clearly about risk, withdrawals, and staying retired—through up and down markets.Ready to chat with a Retirement Planner? Visit www.rpoa.com/meet-with-an-advisorRPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.Statements regarding the ‘Invest and Protect' strategy (formerly 'Buy, Hold, and Sell') or recommendations made prior to 2011 refer to strategies collectively employed and recommendations collectively made by RPOA's principals while employed at Eagle Strategies, LLC. RPOA was created in 2011 and uses the same exit strategy. Like all investment strategies, the Strategy is not guaranteed. It is possible that the sell signal can incorrectly predict a bear market, and affected investors would not participate in gains they could have realized by remaining invested. Implementing the Strategy may also result in tax consequences and transaction costs

Derek Moore is joined by Shane Skinner and Mike Snyder to talk about the coming Fed decision and what the market is telling us. Plus, CNN's Fear and Greed Index is almost at extreme fear so why are most markets near all-time highs? Then, looking at the economy through the lens of Michael Kantro's HOPE theory and whether the recent ADP employment report is giving mixed messages. All this and more this week.   HOPE = Housing Orders Profits Employment Russell 2000 Cup or Vase with Handle pattern? Fed interest rate cut now at 94% probability Are small caps telling us more rate cuts coming? Earnings expectations on the Russell 2000 Index? CNN Fear and Greed Index showing almost extreme fear Disconnect between Fear and Greed Index vs the stock market Soft data vs hard data disconnect Bitcoin and MicroStrategy or Strategy catches a bid on Vanguard news ADP soft private employment data     Mentioned in this Episode   Rob Arnott on "The Bubble You Can't Short" episode of Excess Returns podcast https://excessreturnspod.com/podcast/excess-returns/episode/the-bubble-you-cant-short-rob-arnott-on-what-you-can-do-instead   Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com        

TWiV explains the Nobel Prize-winning discovery of pre-mRNA splicing, and engineering bacteriophage to deliver proteins to the human intestine. Hosts: Vincent Racaniello, Kathy Spindler, and Brianne Barker Subscribe (free): Apple Podcasts, RSS, email Become a patron of TWiV! Links for this episode Support science education at MicrobeTV Immune 100 live at the Incubator Spliced segments of adenovirus mRNA (PNAS) An amazing sequence in adenovirus mRNA (Cell) Nobel Prize for mRNA splicing (Nobel) A predominant undecanucleotide in adenovirus late mRNAs (Cell) Splicing RNA with Phillip A. Sharp (ASM) Protein production in the gut by engineered phage (Nat Biotech) Engineered phage T4 (Curr Op Virol) Timestamps by Jolene Ramsey. Thanks! Weekly Picks Brianne – Can You Identify These Lines from Classic SciFi Novels? Kathy – Saturday Morning Physics, Photograph 51 and JCE article Rich – Wikipedia:Wiki Science Competition 2025 in the United States Jolene – Data visualization workshop Vincent – Transformer: The Deep Chemistry of Life and Death by Nick Lane Intro music is by Ronald Jenkees Send your virology questions and comments to twiv@microbe.tv Content in this podcast should not be construed as medical advice.

Two halves of the same coin. Light and dark. Day and night. The husband and the wife. Scripture contains the idea of two parts being unified when they come together, two parts equating to one. The same is true when we consider our being. Mankind is less than a whole when separated from God.Genesis 1 says that God's creation exists as the heavens and the earth, two parts in one. In this message, we examined the last piece of God's creating efforts from Genesis 1:1, the earth, and explored the purpose it serves in God's grand scheme.Pastor Matt McCarter

As a property management business owner, you likely work with seasoned investors who are always looking for new ways to build and preserve their wealth and assets. In this episode of the #DoorGrowShow, property management growth expert Jason Hull sits down with Alan Porter to discuss how to reveal the powerful financial strategies the wealthy and large financial institutions use and how you can apply them. You'll Learn [01:09] Alan's Inspiration for Uncovering Financial Secrets [08:38] Learning Financial Planning Strategies 90% of People Don't Know [12:25] How to Get Started on the Path to Tax-Free Retirement [15:43] Strategies For Property Managers and Their Clients Quotables "The one thing you can always trust is for everybody to look out for their own self-interest." "If your own self-interest is in alignment with their interests, then that's a win-win. Otherwise, someone's gonna lose." "If you don't have a plan, make one. But you've got to have a plan and improve on it all the time." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Alan Porter (00:00) I teach people to think outside the box, conventional financial planning, and show them the strategies that the wealthy and banking institutions have been using for years. Now, I show people how to become their own bank. Jason Hull (00:10) All right, welcome everybody. I am Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. We have spoken to thousands of property management business owners, coached, consulted, cleaned up hundreds of businesses. Alan Porter (00:26) Thank Jason Hull (00:35) helping them add doors, improve pricing, increase profit, simplify operations. And we run the leading property management mastermind in the industry. At DoorGrow, we believe good property managers can change the world and that property management is the ultimate high trust gateway to real estate deals, relationships, and residual income. We are on a mission to transform property management business owners and their businesses. We want to transform the industry. eliminate the BS, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. So my guest today is Alan Porter of Strategic Wealth Strategies. Welcome, Alan. Alan Porter (01:16) Well, thank you for having me on. Jason Hull (01:18) Yeah, glad to have you. And we're going to be talking about, he's going to be sharing how to reveal the powerful financial strategies, the wealthy use, how you can apply them to. Alan will be uncovering the IRS approved playbook for retiring completely tax free, explain the millionaire tax strategies business owners use to keep more of what they earn and break down Wall Street myths to show how to build lasting wealth without market volatility. So Alan. Again, welcome to the show and why don't we kick things off by give us a little bit of background on you. How did you get into entrepreneurism, into business and give us a little bit of backstory so we understand how this all came to be. Alan Porter (02:00) Well, I never thought I'd be doing this. I retired from the military back in 1993. I was a Blackhawk instructor pilot and I told everybody I had a safe landing for every takeoff and I dodged all the bullets and I had a great career. And I got enrolled in the real estate mortgage business after that up till about 2008. I've had some tragic things happen to my family. In 2009, live in Little, mean Fayetteville, North Carolina. My son lived in Little Rock, Arkansas with his wife, Lynn. She was 39 and they had two little girls that were seven and four. Jason Hull (02:19) in 2009. Alan Porter (02:28) Well, we went down there for Christmas in 2009, but my son had been 100 % disabled for three years and still not getting the disability. And January 5th changed my entire life. His wife, Lynn, called me up. said, Alan, I've been diagnosed with stage four pancreatic cancer and they've given me six months to live. Of course we were all devastated, but there's a huge financial problem that's developed in my son's family because there's no money coming in. Jason Hull (02:28) Well, we went down there for business in 2009, but my son had been 100 % disabled for three years and still not in a disability. Wow. And January 5th changed my entire life. His wife Lynn called me up, she said, Alan, I've been diagnosed with stage 4 pancreatic cancer and they've given me six months to live. Of course, we were all devastated. Yeah, I bet. there's huge financial problem that's developed in my son's family because of the money coming in. Alan Porter (02:55) I'm helping them out, but I don't know for how long Jason Hull (02:55) I'm helping him out, but I don't help him. Alan Porter (02:56) until I'm gonna have to sell my house or do something. But I was like 99 % of the people out there, Jason, that thought life insurance was a death product that you had to die to benefit from it. Well, little did I know she had a terminal illness right or her life insurance policy that she could access within one year of diagnosis of this deadly disease and was completely tax free, which I knew nothing about. It was hundreds of thousands of dollars. Jason Hull (02:58) Yeah. Really? Alan Porter (03:21) And if it had not been for that, my son would be bankrupt and it took a huge financial strain off of me. Jason Hull (03:25) Yeah. Well, long story short, died a year later, so I moved my son back here to Fayetteville, North Carolina. But about a year after that, my daughter's an oncology nurse, and her husband's a doctor at Woodbrook and Raleigh, North Carolina, and just gave birth to my third grandson. And she was diagnosed with breast cancer, and it was very bad. We didn't think she was going to live. Well, now in 2023, she's been 12 years cancer free, but she also was diagnosed with Graves' disease, thyroid eye condition. Alan Porter (03:26) Well, to a long story short, she died a year later. So I moved my son back here to Fayetteville, North Carolina. But about a year after that, my daughter, who's an oncology nurse and her husband's a doctor, they live up in Raleigh, North Carolina, had just given birth to my third grandson. And she was diagnosed with breast cancer and it was very bad. We didn't think she was going to live. Well, now in 2023, she'd been 12 years cancer free, but she also was diagnosed with Graves disease and thyroid eye condition. There's only one treatment for it. It's not a cure-all for anything, but Jason Hull (03:51) And there's only one treatment for it. It's not a cure-all. Alan Porter (03:55) it's a treatment. It's an infusion, eight infusions of this drug is called Tepezza I believe. The first one was like $32,000. The last one was almost a quarter of a million dollars. That was in May of 2023. On January of 2024, the thyroid eye condition came back. In February, she went to the doctor. The doctor said, Nicole, I'm sorry, there's nothing we can do until you go blind and then we can operate. I'm thinking, man, what a prognosis. Jason Hull (03:55) my Yeah. ⁓ Alan Porter (04:21) So we tried to get her a study at Duke. She didn't qualify for that because she had already taken the Tepezza But April did get her into the Mayo Clinic in Rochester, Minnesota. But basically there's nothing they can do for her. She was up there for about four days for testing and consultation. But basically, like I said, there's nothing they can do for her. They got a drug that may be 50 % effective. It's not improved by insurance. And believe it or not, it's even more expensive than the Tepezza is. And it's just, I mean, so. Jason Hull (04:39) Yeah. Yeah. Alan Porter (04:51) So both of my kids are living day to day in misery. And when I got started in this, knew, like I said, these things, because I was to have a very successful real estate mortgage business. And I said, these financial strategies that the insurance companies have, why don't people know about this? These are the greatest financial vehicles out there. People tell me, well, listen to Suzy Orman and Dave Ramsey, insurance is not a good investment. Well, first off, it's not an investment. Jason Hull (04:54) When I got started in this, knew, like I said, these things, because I was very successful in estate in my early years. I said, these financial strategies that the insurance companies have, why don't people know about this? These are the greatest financial vehicles out there. People tell me, listen, as soon as you arm it today, Ramsey, insurance is not a good investment. Well, first off, it's not an investment. Alan Porter (05:18) It's an asset class all of its own. There's no other financial product that can Jason Hull (05:19) It's an asset class all of itself. There's no other financial product that... Alan Porter (05:23) provide the protection, performance, and benefits of cash value life insurance when properly structured and fixed and fixed indexed annually. And I'll give you one big point. They eliminate or mitigate the risk in retirement that a stock portfolio only compounds. That's absolutely... Let me ask you this. Have you ever heard of sequence of returns risk? Jason Hull (05:23) could provide the protection, performance, and benefits of cash, money, or life insurance. Yeah. if you have one big point, they eliminate or mitigate the risk in retirement that a stock portfolio only compacts. That's absolutely, let me ask you this, have you ever heard of sequence of returns risk? Sequencing returns? Sequence of returns risk. No.   Alan Porter (05:46) Sequence of returns risk. Well, don't feel lonely because 99 % of the people I talk to, to include multi-millionaires that have fee-based advisors. And let's say that you're 65 years of age and you go to retire and you got a million dollars in your stock portfolio. They used to say a 4 % distribution rate was a safe distribution rate to last for 30 years, index for inflation at 3%. Well, my plans go to age 120. They don't cut off in 30 years. Jason Hull (05:50) Well, don't feel lonely because 99 % of the people I talk to include multi-millionaires that have fee-based advisors. let's say that you're 65 years of age and you go to retire. You have a million dollars in your stock portfolio. They used to say a 4 % distribution rate was a safe distribution rate to last for 30 years, index for inflation at 3%. Well, my plans go at age 120. They don't cut off in 30 years. But the problem with that 4 % distribution rate Alan Porter (06:15) But the problem is that 4 % distribution rate, that's Jason Hull (06:19) That's $40,000 a year. And that stock portfolio, that's not guaranteed. What if you have a 10 % loss the first year? now your million dollars goes down to $900,000 minus the $40,000 you took out minus the fees you paid on financial advisor whether you make money or not. And then the next two to three years, 2008 happens again, where you lost 38 to 52%. You never got the money in the fifth year. And when I tell people about this, they're financial advisors, Alan Porter (06:19) $40,000 a year. And that stock portfolio, that's not guaranteed. What if you have a 10 % loss the first year? So now your million dollars goes down to 900,000 minus the $40,000 you took out minus the fees you pay that financial advisor, whether you make money or not. And then the next two to three years, 2008 happens again, where you lost 38 to 52%. You're going to be out of money in the fifth year. And when I tell people about this and their financial advisors, Don't tell them, I mean, they're said, I said, why do you think that is? Jason Hull (06:45) don't tell them. I made letters, I said, why do you think that is? Alan Porter (06:48) It's because they make a fee whether you make money or not. The number one fear in retirement is running out of money before you run out of money. I can eliminate that. Jason Hull (06:49) Because they make a fee, well, if you make money or not. The number one fair return is 20,000 dollars. Yeah, compensation structures are incentive models. And so if their incentive is not to tell you, it's because they're getting paid to not tell you. Well, they're supposed to be fiduciary looking out for their best interest clients. I'm a certified financial financial advisor. Yeah, but regardless, the one thing you can always trust is for everybody to look out for their own self-interest. Oh, you're right there. Alan Porter (06:59) Yeah, exactly right. Well, they're supposed to be fiduciaries looking out for their best interest clients. I'm a certified financial fiduciary. you're right there. Jason Hull (07:18) So if your own self-interest is in alignment with their interests, then that's a win-win. Otherwise, someone's gonna lose. Yeah. It's always the clients. Yeah. Yeah. Okay, well, that's quite the story. how is everybody doing now? Alan Porter (07:26) Yep. And it's always the client. My son looks like he's 85 years old and my daughter's living day to day in pain. Jason Hull (07:43) Yeah, yeah. So you have this burden of trying to figure out how do I take care of them? How do I make sure that, you know, taking care of your kids and, you know, nothing's more stressful emotionally or more motivating for us as a parent than our own kids having it going through a tough time. Yeah. I remember my oldest daughter, she was born with a birth defect that there was a rotation in her gut and she was just always sick, throwing up, stuff like this. Well, she almost died. We didn't know this. got, went and got a scan. Everything was inflamed. They're like, we have to do emergency surgery immediately. And yeah, it was pretty scary as a parent. And they had to like pull her guts out, do surgery, put them back in. And she was a little kid, you know? Now she's my oldest. I mean, she's still my oldest, but now she works for me. and in DoorGrow which is great. But yeah, I remember those times. That's really scary. And I can imagine that's just really a big load on your shoulders. So did this kind of spark you creating the strategic wealth strategies then? Alan Porter (08:30) No. Absolutely, that's my passion for this. I'm very passionate about what I do. It's all about education because people don't know. Jason Hull (08:49) Explain the passion, like what gets you excited about this? Alan Porter (08:53) Well, educating people. That's what I did in the Army. I was an educator. I taught people how to fly. it's just like this, educating people. I teach people to think outside the box, conventional financial planning, and show them the strategies that the wealthy and banking institutions have been using for years. Now, I show people how to become their own bank. I've been doing this for a decade and a half. And why don't everybody doesn't do this? I don't know why. mean, you borrow money from yourself, you pay yourself back compound interest. Jason Hull (09:16) you Alan Porter (09:20) and not the financial institutions and you eliminate the effective interest cost that you pay on the money that you borrow. And people, are you aware of what effective interest cost is? Banks love it. I had a gentleman who wanted to do my debt free for life plan. And I said, well, how much debt do you have? He says, well, we bought a new house a couple of months ago, a couple of car payments, a loan and a credit card. I said, what's the interest rate on your mortgage? He said 2.75. Jason Hull (09:20) Yeah. And people, are you aware? No, what is that? Alan Porter (09:46) I said, what's your effective interest cost on that? He says, well, I don't know what you're talking about, Alan. I said, don't fill it, only most people don't. Fill out my form, we'll do a Zoom conference the following week. I said, you got $461,000 in debt. That's not your problem. The problem is the 49.76 effective interest cost, you're paying on that 2.75 % mortgage. His eyes got real big and he said, Alan, how is that possible? I said, it's not going to get down to the 2.75 until the last couple of months of the mortgage. Jason Hull (10:10) Yeah. ⁓ Alan Porter (10:14) You've got a credit card here that's over 90 % effective interest cost. And even though you've got great credits, your average effective interest cost is over 46%. So my next question to him was, what financial vehicle are you investing in, your 401k or anything else, that gives you a 46 % return on your money? Because 46 cents of every dollar that you pay out goes to compound interest for some financial institution, and that money's gone for you forever. Jason Hull (10:17) and ⁓ Alan Porter (10:38) He said, well, nothing. In fact, I lost 10 % of my 401k. Jason Hull (10:40) Yeah, that'd be hard to find that much. And then my last question was how long does it you to your debts off? I said with my cap three buck of money and a whole lot of insurance policy, 14.17 years past, saving $73,000. And in the 10th year it would be 52 years of bids, and there's over $149,000 in cap Alan Porter (10:43) And then my last question was, how long can it take you to pay your debts off the way you're doing it? I 20 some years. I said, with my tax-free bucket of money and a whole life insurance policy and our software, we're paying all your debts off 14.17 years faster, saving you $73,000 in interest. And in the 10th year, you'll be 52 years of age and there's over $139,000 in a tax-free bucket of money that you can use ⁓ to buy a new car, whatever, college education for your kids. Jason Hull (11:06) you can use uh buy a new car whatever college education for your kids at that point your debt benefits will be $400,000 in tax-free money from the federal bank but think about this you don't have to any more money in this by the time you're 65 there'll be over $400,000 in tax-free money that you can use to supplement your income that does not affect the taxation of social security or the tax and community care part which will be in the thousands per year Alan Porter (11:13) At that point, your debt benefits over $400,000 of tax-free money to protect your family. Think about this. You don't have to put any more money in this. By the time you're 65, there'll be over a quarter of a million dollars in a tax-free bucket of money that you can use to supplement your income that does not affect the taxation of Social Security or the means testing for Medicare Part B, which will be in the thousands per year. You're protected from lawsuits, liens, and judgments, and it eliminates or mitigates all the risk in retirement. This is absolutely great for real estate investors. Jason Hull (11:35) Yeah. Yeah ⁓ Alan Porter (11:42) Because once they build that money up in the cash value of their policy, they can take it, go buy a property, and pay themselves back. I do this all the time. I just bought two new cars in last two years. I pay myself back. I'm going to have tens of thousands of dollars more because I compounded interest for me instead of some financial institution. Jason Hull (12:03) So you said multiple times, like why aren't people doing this? Well maybe you could answer your own question, why aren't people doing this? Alan Porter (12:10) It's lack of education. It ought to be taught in high school, but it's not. I've got college professors with PhD degrees in accounting and finance. They have no idea what I'm talking about. They ask me to teach their classes. Jason Hull (12:20) Yeah, got it. So it was just a lack of education on this. Alan Porter (12:24) That's exactly what it is. Jason Hull (12:25) So, yeah, well, I mean, it sounds like something that everybody should be doing. So how does somebody get started with this or how do they become aware of this or what would you say are the first steps? Alan Porter (12:38) Well, give me a call. I don't charge for my consultation services. That's free. It's an education. I think everybody needs to know these things because it will change their financial future, not only for them, but for their family also and possibly generations to come. at 9-8-5. Jason Hull (12:52) So Alan, it sounds like you've kind of found a passion in this. You really enjoy helping people to be able to figure this out and do this. Alan Porter (13:00) Absolutely. Jason Hull (13:01) So yeah, I think that's noble. I think this is pretty awesome. So for those that are listening to this point, I'm going to read a quick word from our sponsor and then Alan, I'm going have you share your phone number so they can get in touch with you and we can keep talking about it. So this episode is sponsored by KRS Smart Books. So if you're a property manager, are you tired of getting tangled up in numbers? KRS Smart Books has your back. They specialize in property bookkeeping. for small to mid-sized managers who'd rather focus on, well, managing. With over 15 years of experience in real estate accounting, their pros in AppFolio, Yardi, and all the top property management software, trust them to make your monthly reports hassle-free so you can get back to what really matters running your business. Head over to krsbooks.com to book your free discovery call. All right, so Alan, what's the number that they should get? to get in touch with you or to reach you to find out about this. Alan Porter (13:59) You can call me at 910-551-1046, email me at strategicwealth, the number zero at gmail.com. And you can always go to my website, which is www.strategicwealthstrategies.com and you can book appointment there. And I've got a plethora of information on that website. Jason Hull (14:18) What? Great, thanks for sharing. So for those that are listening, some people might listen to this and go, well, that's nice, but Alan probably can only work with people that maybe have a million dollars or that are ultra wealthy or have lots of savings. People will listen to this and say, that's probably not for me. What would you say to that? Alan Porter (14:39) Well, quite frankly, bull I work with everybody. know, I'm for the military. Military people don't make a lot of money. Okay. And I work with them, but I work with regular, regular working people that I mean, I'll give you a perfect example. I asked people, said, why do you contribute to a 401k? They said, well, it's a tax deduction. I said, no, it's a tax compounder. And I thought you don't think tax is going to be higher when you retire. I got another thing coming for you. Jason Hull (14:43) Okay. Right. Alan Porter (15:07) But see, thing is people don't understand. 1 % of people out there don't even think there's a fee in a 401k. A 1 % fee over a 30-year period will reduce your income by one-third. The average fee in a 401k is 2.99%. Now that's by Forbes Magazine and the Laptimes. People have less than two-thirds of their money and then they get hit with taxes anywhere from 20 to over 55%. And they're not prepared for it. They're not prepared for long-term care, which costs right now between $50,000 to $200,000 a year. I can get money for that's tax free for pennies on the dollar. It's just a matter of education. Jason Hull (15:43) So for the property management business owners listening, a lot of them will have sometimes hundreds of clients that are investors and they're wanting to maximize their investments, how would this maybe benefit the property management business owners to be better educated on this and have a strategic partner like you? Alan Porter (16:03) Well, the thing is, you've to have a plan.   If you don't have a plan, make one. But you've got to have a plan and improve on it all the time. But it's just like, you know, building up your cash value and borrowing from yourself to buy a property and paying yourself back. That's an absolutely great thing for a real estate investor. And these property managers, I've got health and wellness programs. If you've got employees over 10 employees, understand this. The employer will save anywhere from $500 to $700 a year in FICA taxes. The employee and the employer have 1,100 drugs, prescription drugs, at zero copay. That's 20 to 30 % of healthcare costs. Jason Hull (16:37) Yeah Alan Porter (16:50) I mean, and they also have an accidental indemnity program and that's not for the employer, but they have a revolution health app. They've got the number one telehealth app according to JD Power and associates. It's a plethora of benefits. We have legal club, we have identity shield. It's just all at no net cost to employer and no net cost to the employee. It's the section 125 of the tax program. Jason Hull (17:06) This is all at no net cost reported at no net cost reported. Got it. Got it, interesting. Okay, well cool. Well what else would people generally ask about this or should we make sure that the listeners are aware of related to this? Well, are you... Alan Porter (17:26) Well, are you risk averse? Are you conservative? You know, it's just like when you go to retire and you've got that million dollars in stock portfolio, a 4 % distribution rate, $40,000. If you had a property constructed fixed indexed annuity at, say, age 65, you'd only need approximately $650,000 of that stock portfolio to give you the same $40,000 a year. That's guaranteed for the rest of your life. we're guaranteed. Jason Hull (17:53) New York Heat. ⁓ Alan Porter (17:53) Never to have a loss through the market because we're not tied to the market for our gain. We use indexing strategies and every time that indexing strategy goes up we have increasing income and the older you get the higher the distribution rate is. You can't do that with a stock portfolio. It's not even comparable. Jason Hull (17:59) And every time that index of strategy goes up, we have increasing income. And the older you get, the Yeah, yeah. Well, Alan, I appreciate you coming on to the DoorGrow show and bringing this to light for those listening that are not aware you're doing your purpose of educating. So appreciate that. And to wrap up what final words do you have? And then again, why don't you go and share how people can get in touch with you one more time. Alan Porter (18:31) Okay, well I've got a best-selling book out right now on Amazon. It's called Tax-Free Retirement Solution. Again, Tax-Free, Tax-Free Retirement Solution. Jason Hull (18:38) It's called tax, tax free. Retirement solution, okay. Got it. Alan Porter (18:45) And again, you can call me at 910-551-1046. My email is strategicwealth, the number zero at gmail.com. And you can go to my website, which has a plethora. I've got videos, I've got blogs, I've got everything there. And you can book an appointment there at www.strategicwealthstrategies.com. Jason Hull (18:51) email is strategicwealth0 at gmail.com and you can go to my website which has a cluster. I've got videos, I've got blogs. book an appointment there at www.strategicwellscladagy.com. Awesome. Alan, appreciate you being on the show and thanks for your service. You mentioned your former military. Yeah, I appreciate it. So for those watching, if you've ever felt stuck or stagnant in your property management business, you want to take it to the next level, reach out to us at doorgrow.com. Also be sure to join our free Facebook community, Just for Property Management Business Owners at doorgrowclub.com. Alan Porter (19:13) Well, I appreciate it. Jason Hull (19:31) And if you would like to get the best ideas in property management, join our free newsletter at doorgrow.com slash subscribe. And if you found this even a little bit helpful, don't forget to subscribe and leave us a review. We'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.  

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Most retirees worry about whether their money will last—but few understand the real variables that determine success. In this episode, we go beyond the usual “spend less, earn more” advice and unpack the math that truly drives a sustainable retirement: the rate of return you actually need, how to stress-test your portfolio against bear markets, and why flexible withdrawals can extend the life of your nest egg. Tyler Emrick, CFA®, CFP®, walks through how a real financial plan uses Monte Carlo simulations, withdrawal sourcing strategies, and tax-smart distribution planning to give you confidence—even in volatile markets. If you want your money to last as long as you do, this episode will give you the framework to make smarter decisions today and a stronger plan for tomorrow. Here's some of what we discuss in this episode:

Edwin Mays is a Chartered Retirement Planning Counselor-CRPC™ - MaysGroup Advisors is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Their approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances. With over 30 years in the financial services industry—including leadership roles at firms like Thomson Reuters, Merrill Lynch, Smith Barney, and Transamerica—Edwin Mays brings deep institutional experience and unmatched insight to every client engagement. As a Chartered Retirement Planning Counselor™ (CRPC), Edwin specializes in designing retirement strategies that guarantee lifetime cash flow and protect against the most serious threats retirees face today: market risk, longevity, and rising costs.At MaysGroup Advisors, Edwin's mission is simple: replace uncertainty with strategy and give clients the confidence to retire on their terms—with income they can count on, no matter what the market does.Learn more: https://maysgroupadvisors.com/The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-edwin-mays-with-maysgroup-advisors-discussing-sequence-of-returns-risk

Curtis Cottle is a Certified Financial Fiduciary, visionary growth strategist and cofounder of one of Michigan's fastest-scaling financial services firms. He specializes in retirement planning, estate planning, and strategic tax strategies designed to help families and business owners protect and grow their wealth.At the core of his firm's approach is a deep emphasis on strategic tax planning as it relates to retirement, helping clients keep more of what they've earned and build long-term financial confidence.He's the creator of the Wealth Wellness Checkup, a planning experience that uncovers hidden financial blind spots and helps people make smart, informed decisions. The firm is built to simplify complexity, bring structure to planning, and deliver personalized strategies that work in the real world.With nearly two decades of experience, Curtis is known for cutting through the noise, building lasting relationships, and helping people create long-term security without the guesswork.When he's not driving growth or designing new campaigns, you'll find him investing in his team, building partnerships, or spending time with his family, living the same values his business is built on: fun, unity, and getting things done.Learn more: http://www.gosbc.net/DISCLAIMERThe content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. SBC Financial Advisory services are only offered to clients or prospective clients where SBC Financial and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by SBC Financial unless a client service agreement is in place.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-curtis-cottle-founder-of-sbc-financial-discussing-social-security-timing-strategy

Edwin Mays is a Chartered Retirement Planning Counselor-CRPC™ - MaysGroup Advisors is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Their approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances. With over 30 years in the financial services industry—including leadership roles at firms like Thomson Reuters, Merrill Lynch, Smith Barney, and Transamerica—Edwin Mays brings deep institutional experience and unmatched insight to every client engagement. As a Chartered Retirement Planning Counselor™ (CRPC), Edwin specializes in designing retirement strategies that guarantee lifetime cash flow and protect against the most serious threats retirees face today: market risk, longevity, and rising costs.At MaysGroup Advisors, Edwin's mission is simple: replace uncertainty with strategy and give clients the confidence to retire on their terms—with income they can count on, no matter what the market does.Learn more: https://maysgroupadvisors.com/The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-edwin-mays-with-maysgroup-advisors-discussing-sequence-of-returns-risk

Curtis Cottle is a Certified Financial Fiduciary, visionary growth strategist and cofounder of one of Michigan's fastest-scaling financial services firms. He specializes in retirement planning, estate planning, and strategic tax strategies designed to help families and business owners protect and grow their wealth.At the core of his firm's approach is a deep emphasis on strategic tax planning as it relates to retirement, helping clients keep more of what they've earned and build long-term financial confidence.He's the creator of the Wealth Wellness Checkup, a planning experience that uncovers hidden financial blind spots and helps people make smart, informed decisions. The firm is built to simplify complexity, bring structure to planning, and deliver personalized strategies that work in the real world.With nearly two decades of experience, Curtis is known for cutting through the noise, building lasting relationships, and helping people create long-term security without the guesswork.When he's not driving growth or designing new campaigns, you'll find him investing in his team, building partnerships, or spending time with his family, living the same values his business is built on: fun, unity, and getting things done.Learn more: http://www.gosbc.net/DISCLAIMERThe content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. SBC Financial Advisory services are only offered to clients or prospective clients where SBC Financial and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by SBC Financial unless a client service agreement is in place.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-curtis-cottle-founder-of-sbc-financial-discussing-social-security-timing-strategy

On this episode of The Agronomists, host Lyndsey Smith is joined by Anne Kirk, cereal specialist for Manitoba Agriculture and Dr. Aaron Mills, researcher with Agriculture and Agri-Food Canada PEI, to discuss crop sequence — what do we know about the impact of order crops are grown in? How is crop sequence different from rotation?... Read More

As a young boy growing up in artsy little Homer, Alaska I too caught the bug and wondered about my ability to make it as an artist. At the ripe old age of nine I drew a pencil sketch of the Space Shuttle Discovery in the upright position and attached to its external tanks. My sketch was approximately 30 inches tall and was of such high caliber, it was temporarily displayed in the Pratt Museum… along with all the other submitted artwork by the Homer elementary age crowd.But it didn't matter. I remembered walking down the hall of the Pratt and seeing my artwork hung on the wall with a name placard below. It was stunning. I couldn't believe that now thousands upon thousands of art lovers would behold my work. I felt such unspeakable pride.And that was the nature of us humans. We wanted our handiwork to be appreciated, to be noticed, to be ooh'd and aah'd over. We liked to see and be seen.As it turned out, God was of a different nature. Most of His glory was completely hidden from our eyes. This week we peeked through the curtain at the vast expansiveness of the hidden glory of God and asked “Why should it matter?” If you have a minute, before you watch, read Genesis one.Pastor Dr. Aaron Weisser

Wendy Mackenzie Pease, President of Rapport International, interviews Alain Tranchemontagne, CEO of Alleviate, whose 30+ years in medical devices spans start-ups to Fortune 50 organizations. He has led teams across 5 continents, has held commercial and general management positions, and brings significant global experience in the areas of product and market development. He shares practical, battle-tested ways to enter new markets, build culturally diverse sales engines, and lead with data (and humility) across continents. You'll learn how to: Build global demand the right way: Identify and activate credible KOLs, hire a local “anchor” leader, measure activity early, and make fast keep/replace decisions—while respecting culture and language on the ground. Run a 90-day turnaround playbook: Weeks 0–12 = listen widely (patients, clinicians, data), co-create objectives with the team, then double down on what works using “data density” (lots of signals to see real patterns). Go international without missteps: Sequence markets, map regulations and evidence needs, prioritize IP/trademarks, and treat translation as a regulated, technical task for pros—because “good enough” localization will bite you.

In this podcast episode, Dr. Watkins interviews D'wayne Louard about the space between receiving a prophecy and its fulfillment.  They discuss how the waiting period can be challenging but also transformative, as it requires patience, faith, and personal growth. Dwayne also says a powerful prayer for all who listen. D'wayne's prayer serves as a powerful reminder of the importance of perseverance and trust in divine timing. It encourages listeners to embrace the challenges of the waiting period, knowing that growth and transformation often occur in the midst of uncertainty. To find out more about D'wayne you may reach him here: https://dwaynejlouard.com/  

Anatomy holds a special place in my heart, and in this episode, I share how I teach it and why I designed the It's Not Rocket Science® Anatomy curriculum the way I did. I focus on sparking curiosity, weaving in three big themes, and prioritizing breadth over depth (hot take!). You'll hear how this hands-on, student-centered curriculum engages learners with discovery stations, model-building, and real-world skills, all designed to make students fall in love with the human body.➡️ Show Notes: https://itsnotrocketscienceclassroom.com/episode209Resources Mentioned:Anatomy FULL YEAR CurriculumAnatomy UnitsAnatomy Discovery Stations Bundle Anatomy Scope and Sequence Blog Post FREE - Get the Anatomy 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 and Blog Posts:Episode 36, Teaching Anatomy: 5 Tips for the Best Year Ever!Episode 80, Strategizing Your Sequence: Curriculum Design Part 1Episode 99, How to Teach the Nervous and Endocrine Systems in Your Anatomy ClassBlog Post: 5 Reasons It's Not Rocket Science® Anatomy Curriculum Rocks!

Bill Bengen, the creator of the 4% rule, joins us to revisit one of the most important ideas in financial planning and retirement research. In this conversation, he explains the origins of the 4% rule, how his thinking has evolved over 30 years, and why he now believes retirees can safely withdraw closer to 4.7% — or even more — under certain conditions. We explore the data behind his findings, how to think about inflation, valuations, longevity, and sequence of returns risk, and the philosophy of living well in retirement.Topics covered:The origins and evolution of the 4% ruleHow Bill discovered the worst-case retirement scenario (1968)The role of inflation and market valuations in withdrawal ratesWhy he now recommends 65% equities instead of 55%How diversification increases sustainable withdrawalsThe logic behind a U-shaped equity glide pathSequence of returns risk and how to mitigate itThoughts on the permanent portfolio and goldBucket strategies and cash reservesDynamic vs. fixed withdrawal methodsHow longevity and FIRE affect planning horizonsWhy retirees should spend and enjoy moreThe philosophy behind “A Richer Retirement”Timestamps:00:00 The origins of the 4% rule03:00 The 1968 retirement “buzz saw” scenario07:00 Common misconceptions about the 4% rule10:00 Inflation and valuation adjustments13:00 Diversification and higher withdrawal rates15:00 Longevity, FIRE, and extended retirements16:00 The U-shaped equity glide path18:00 Rebalancing and allocation timing19:00 The permanent portfolio and gold20:00 Sequence of returns risk explained22:00 Cash reserves and bucket strategies23:00 Dynamic withdrawal approaches24:00 Why the rule is now closer to 4.7%27:00 The changing market environment29:00 Key charts and frameworks from the book31:00 The eight essential elements of planning33:00 Withdrawal strategies and asset allocation34:00 Required minimum distributions36:00 Reflections on creating the 4% rule38:00 Bill's philosophy on life and retirement40:00 Closing thoughts and where to find his book

What if the next 10 years bring just 3% returns from the S&P 500?In this episode, we turn that forecast into a real-world retirement plan—not panic. You'll learn how to stress test your portfolio, build flexibility into your spending, and design a withdrawal strategy that can survive tough markets.Listen as Ari and James break down:Sequence-of-returns risk — why bad early years hurt more than bad averages.The modern 4% rule — how to use it as a guardrail, not a guarantee.Diversification that actually works — adding small caps, value, international, and bonds to reduce risk from overexposed tech-heavy portfolios.Tax-smart moves — Roth conversions, cash buffers, and dynamic withdrawal rules that adapt to changing markets.Whether you're planning to retire early or just want peace of mind through an uncertain decade, this guide gives you a clear, flexible framework—so your lifestyle isn't dictated by Wall Street's forecasts.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.