Podcasts about Sequence

Alan Porter is a former U.S. Army Black Hawk instructor pilot turned nationally recognized financial educator, bestselling author, and certified financial fiduciary. After a long military career and success in real estate and mortgage lending, a series of family health crises reshaped his understanding of financial planning, life insurance, and long-term care. Today, Alan specializes in advanced tax-free retirement planning, wealth preservation, business exit strategies, and legacy planning for high-net-worth individuals and entrepreneurs.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Understand why health events, not market cycles, are the biggest threat to retirement security Learn how sequence of returns risk can quietly devastate traditional retirement plans Discover how life insurance can function as a tax-free retirement and liquidity tool See why effective interest cost matters more than stated interest rates Learn how proactive tax and retirement planning can protect wealth across generations     Topics Why Financial Planning Became Personal for Alan Family health crises exposed major gaps in traditional planning Terminal illness rider benefits provided critical, tax-free liquidity Firsthand experience reshaped Alan's career focus Health Care Costs and Long-Term Care Risk Long-term care costs range from $50,000–$200,000 per year and continue rising Medicare does not cover long-term care; Medicaid requires asset spend-down Health events can erase decades of savings without proper planning Sequence of Returns Risk Explained Early retirement losses can permanently derail portfolios Market downturns combined with withdrawals accelerate depletion Traditional advisors often overlook this risk Effective Interest Cost and Hidden Debt Mortgages and credit cards carry much higher real costs than advertised rates Effective interest cost reveals how much money truly goes to lenders Eliminating high-interest debt can outperform traditional investments Becoming Your Own Bank Cash-value life insurance allows borrowing while assets continue compounding Loan repayment is flexible and under the policyholder's control Policies can fund education, vehicles, emergencies, and retirement Limitations of 401(k)s and Qualified Plans Fees, taxes, and required minimum distributions reduce net retirement income Taxes are deferred, not eliminated Most investors underestimate future tax exposure Tax-Free Retirement and Legacy Planning Properly structured insurance strategies can deliver tax-free income Policies avoid Social Security taxation and Medicare means testing Assets can transfer across generations more efficiently     Round of Insights Failure that set Alan up for success: Not planning ahead. Failing to prepare for life events led to higher costs and financial strain later. Digital or mobile resource recommended: Alan's YouTube channel and educational resources at StrategicWealthStrategies.com. Book recommended most in the last year: Tax-Free Retirement Solution. Daily habit that keeps him focused: Early mornings, daily workouts, and structured planning to start each day with intention. #1 insight for creating long-term wealth: Learn how insurance products work and what they can truly do.     Next Steps Visit Alan's website and check out his retirement tax calculator Review your current retirement and tax strategy Learn how sequence of returns risk affects your plan Evaluate long-term care exposure and insurance options Explore tax-free income strategies before retirement Get a second opinion on your financial plan     Thank you for joining us for another great episode! If you're enjoying the show, please LEAVE A RATING OR REVIEW, and be sure to hit that subscribe button so you don't miss an episode.  

You know you're supposed to nurture your leads, but are you doing it in a way that actually builds trust fast? In this Email Empire episode, Allison shares a high-converting (but often overlooked) strategy for making your Email Nurture Sequence feel more personal, more effective, and more like content your people actually want to consume...video!She breaks down the why and the how, so you can start using short, strategic videos to make real connections (without needing perfect lighting or a fancy camera). TAKEAWAYS:Video accelerates trust by letting leads experience your voice, energy, and personality, something copy alone can't always doEmbedding short (under 2-minute) videos in your nurture sequence helps you feel familiar before your pitch ever happensVideo fits right into your audience's habits, they're already used to consuming video content dailyVideo clicks train your leads to engage with your emails, so when you do pitch, clicking feels natural (+ expected)Pro tools like Descript can streamline the video process, especially its AI Eye Contact feature and captioning toolLINKS YOU MIGHT FIND HELPFUL: Check out the blog post that accompanies this podcast episode for more details and resources.Want to learn more about Email Nurture Sequences? Listen to episode #467.Ready to stop duct-taping your email funnel together? Snag one of the 12 VIP Week spots available in 2026 by clicking here.Know you need email marketing support, but not sure what offer works best for you? Fill out this form, and Allison will be back in your inbox with a few options that fit you, your business, and your budget best.Try out Descript, my favorite tool for face to camera video! Use this link and get 50% off for the first two months.CONNECT WITH ALLISON:Follow Allison on InstagramDID YOU HAVE AN 'AH-HA MOMENT' WHILE LISTENING TO THIS EPISODE?If you are ready to take action from listening to this episode, head to Apple Podcasts and help us reach new audiences by giving the podcast a rating and a review. Music by: www.bensound.comLicense code: 8G1GJZZDCLKGU9NRArtist: : Benjamin Tissot

The “Clean Slate” That Changes Your Decisions Every January, Bruce and I have this running joke: as a society, we collectively decide that January 1 magically flips a switch—life will be calmer, more organized, more intentional. Bruce thinks it's strange. (He's not wrong.)I love it. I love a clean slate. A fresh start. A targeted window that says, “This is the beginning.” https://www.youtube.com/live/_cgm7sJ6SDc And here's why that matters for your money: when you feel like you have a beginning, you're more willing to think differently. You stop drifting on autopilot and start asking better questions—especially the one Bruce kept coming back to in our conversation: Why do you do what you do financially? That one question is the doorway to confidence. Not “confidence that you'll always be right,” but confidence that you're making the best decision with the information you have—while staying flexible enough to adjust when new information shows up. That's the heart of this post: the financial strategy for families in 2026 isn't a single product or prediction. It's a way of thinking—a framework—that helps you build control, cash flow, and peace of mind in uncertain markets. The “Clean Slate” That Changes Your DecisionsWhat You'll Gain from This Financial Strategy for Families in 2026Financial strategy for families starts with one skill: thinking about your thinkingWhat fundamentally changed—and why “uncertain markets” feel louder than ever1) Information moves instantly—and it affects how you use your money2) The 24-hour news cycle magnifies fear—and shrinks your time horizon3) AI disruption adds both opportunity and anxiety4) Cryptocurrency continues to create both opportunity and harm5) Debt levels are enormous—and debt quietly reduces control of capitalWhy the typical accumulation model fails families in uncertain marketsSequence of returns risk: why averages don't protect your retirementFinancial strategy for families in uncertain markets: control of capital is the core principleCash flow planning and the liquidity strategy every family needs in 2026 and beyondHow to build liquidity for market volatilityDebt management strategy: why debt steals optionality for familiesWhy families need professional guidance more than ever in 2026Optionality: how to create a family wealth plan that lasts generationsYour most valuable asset isn't your portfolio—it's your family's capacityThe Financial Strategy Every Family Needs in 2026 and BeyondListen to the Full Episode on Financial Strategy for Families in 2026 and BeyondFAQ: Financial Strategy for Families in 2026 and BeyondWhat is the best financial strategy for families?How do you build liquidity for market volatility?How much cash reserve should a family keep in 2026 and beyond?What's the difference between cash flow and net worth for families?How can families protect wealth from volatility without going to all cash?How does debt reduce control of capital?How can AI impact jobs and investing decisions in 2026 and beyond?What does “control of capital” mean in personal finance? What You'll Gain from This Financial Strategy for Families in 2026 If you've felt the financial landscape shifting—tax uncertainty, persistent inflation, volatile markets, conflicting advice, AI disruption, crypto hype, growing debt, and nonstop headlines—you're not imagining it. The pace of change is faster. But here's the good news: you don't need a crystal ball to win financially in 2026. You need a system grounded in principles that hold up in any environment. In this article, we'll walk you through a financial framework for uncertain markets that's built on: control of capital cash flow planning liquidity strategy (liquidity buffer) optionality (having choices even when the “rules” change) decision-making confidence under uncertainty multi-generational planning that prepares your family for the future you can't predict And we'll also show you why the typical accumulation-based model leaves many families exposed—especially when volatility and sequence of returns risk collide. Financial strategy for families starts with one skill: thinking about your thinking Bruce said something that I think every family needs right now: Think about your thinking. Most people don't actually have a money strategy. They have inherited assumptions. They're doing what coworkers do. What parents did. What the internet said. What the “guru” recommended. What the algorithm fed them. In 2026, the families who thrive won't be the best guessers. They'll be the best designers. And the first step in design is awareness: Why am I saving this way? Why am I investing this way? Why am I in debt? Why does this feel “safe” to me? What am I assuming about the next 10–20 years? This isn't about obsessing. It's about choosing on purpose—so you can move forward with confidence, not second-guessing. What fundamentally changed—and why “uncertain markets” feel louder than ever When we talked about what's changed heading into 2026, Bruce laid out the big forces that are shaping the environment families are making decisions inside of: 1) Information moves instantly—and it affects how you use your money The world feels smaller because it is smaller. A person in the Caribbean can follow the same investing narrative as someone in Texas. Advice travels fast. That can be helpful. It can also be harmful—because it creates noise, urgency, and “trend pressure.” If you're constantly being told the newest move, the newest hack, the newest asset class… your financial decisions can become reactive instead of strategic. 2) The 24-hour news cycle magnifies fear—and shrinks your time horizon Here's a hard truth: fear makes people short-term. When headlines feel nonstop, people assume they need to do something right now. But families build wealth through disciplined, long-range thinking—especially when markets are volatile. 3) AI disruption adds both opportunity and anxiety AI is not the first major innovation wave (we've seen this with cars, the internet, tech booms). But it's moving faster. Some companies will soar. Some will crash. Some industries will be disrupted. New industries will emerge. That uncertainty pushes people toward emotional decision-making. 4) Cryptocurrency continues to create both opportunity and harm Crypto is still sorting itself out. Some parts thrive, others die. Governments are still deciding how they'll regulate and respond. That uncertainty can create both speculation and fear—and those are not the foundations of a stable family wealth plan. 5) Debt levels are enormous—and debt quietly reduces control of capital Debt is more than a number. It changes who controls your future cash flow. Bruce said it plainly: when you're in debt, you're not controlling capital—capital is flowing away from you. And when you combine high debt with volatility, it can create pressure-cooker decision-making. Why the typical accumulation model fails families in uncertain markets Most modern financial planning is built on a familiar script: Work and accumulate assets Grow net worth Retire Live on portfolio growth without touching principal That model depends on one assumption: that your assets will grow smoothly enough, at the right time, to support your lifestyle. But in uncertain markets, families don't just face market risk. They face timing risk. Sequence of returns risk: why averages don't protect your retirement Bruce explained this in a way that cuts through the noise: averages don't matter if timing is wrong. Two portfolios can have the same “average return” over 20 years—but if one experiences losses early (when you're withdrawing income), the outcome can be dramatically worse. That's why “the market averages 10%” is not a strategy. It's a soundbite. A real strategy considers: when you need income how much liquidity you have what happens if markets drop early whether your plan depends on selling assets in a down year If your plan requires everything to go “mostly right” in the early years of retirement, you don't have a plan—you have a hope. Financial strategy for families in uncertain markets: control of capital is the core principle When we stripped the conversation down to the essentials, we kept coming back to one word: Control. Control doesn't mean you can control the market. It means you can control your position. And your position is what determines your options. When you control capital, you have money you can access and direct: for emergencies for opportunity for strategic investing for business pivots for family needs for tax planning decisions for downturns without panic This is why we talk so much about control of capital. It's not a buzzword. It's a survival advantage—and a growth advantage. Cash flow planning and the liquidity strategy every family needs in 2026 and beyond Let's make this practical. When volatility increases, you need a plan that doesn't force you to liquidate investments at the wrong time. That requires a liquidity buffer. How to build liquidity for market volatility Liquidity isn't just “cash in a checking account.” Liquidity is access. It's the ability to move without penalties, delays, or begging for approval. A strong liquidity strategy (liquidity buffer) does two things: It keeps you stable in crisis It keeps you ready in opportunity Bruce said it perfectly: opportunities find cash. And here's the funny thing—when you have liquidity, you start noticing opportunities you would've missed before. We talked about the “Beetle effect” (your brain notices what it's primed to notice). When you have capital available, your radar changes. You see deals, investments, partnerships,

Deals appear “close” on the surface but quietly fall apart because the buyer never made one critical decision: the decision to change now. In this episode, Brandon explains why closing fails when reps treat it like a single ask instead of a structured sequence.He breaks down the three decisions every buyer must make (problem, change, and vendor) and shows why skipping the change decision causes hesitation, delays, and ghosting late in the process. You'll learn how to secure micro-commitments throughout the deal, how to surface the cost of inaction, and why the final close should feel obvious instead of risky.If your deals stall at the finish line even when everything seems aligned, this episode shows you exactly where the sequence is breaking, and how to fix it.

Allen Buchanan joins The Crexi Podcast to discuss SoCal industrial real estate trends, rent resets, vacancy, brokerage lessons, and his book The Sequence.The Crexi Podcast connects commercial real estate (CRE) professionals with industry insights built for smart decision-making. In each episode, we explore the latest trends, innovations and opportunities shaping commercial real estate, because we believe knowledge should move at the speed of ambition and every conversation should empower professionals to act with greater clarity and confidence.  In this episode of The Crexi Podcast, host Shanti Ryall sits down with Allen C. Buchanan, SIOR, a long-term veteran from Lee and Associates Commercial Real Estate Services. With a rich history in the commercial real estate arena beginning in 1984, Allen delves into his unique career journey, sharing insights from his experience in industrial brokerage primarily focused in North Orange and West Riverside Counties. Throughout the conversation, he discusses career transitions, the nature of his early career, important mentors, key strategies he's employed, and the significant decisions that have shaped his life path, all encapsulated in his book, The Sequence. Allen also brings to light the state of Southern California's industrial real estate market, the shifting trends, and future projections, as well as advice for young brokers on empathy, authenticity, and adhering to a process. The episode wraps up with personal anecdotes, rapid-fire questions, and Allen's reflections on the importance of making contrarian decisions in life and career.Meet Allen Buchanan: A 40+ Year Legacy in Commercial Real EstateAllen's Career Transition: From Consumer Goods to Real EstateEarly Challenges and Mentorship in Real EstateThe Importance of Qualifying ClientsTraining, Mentoring, and Coaching in Real EstateThe Industrial Real Estate Market in Southern CaliforniaCalifornia Business ExpansionClass B and C Industrial AssetsObsolescence in Industrial Real EstateData Centers and Power IssuesOwner-Operator PerspectiveFuture of Southern California IndustrialCareer Longevity in Real EstateTraining the Next GenerationThe Sequence: Writing a LegacyContrarian Decisions and Personal ValuesRapid Fire QuestionsConclusion and Contact Information About Allen Buchanan:Allen C. Buchanan, SIOR joined Lee & Associates Commercial Real Estate Services, Inc. – Orange in 1984 after five years in the consumer goods business with Procter and Gamble Distributing Company and the E and J Gallo Winery. Allen Buchanan has spent his real estate career in the industrial arena in North Orange and West Riverside County. His specialties include user representation, owner representation, and investment sales.  Allen C. Buchanan became a shareholder in Lee & Associates Commercial Real Estate Services, Inc. – Orange in 1988. Mr. Buchanan is continually recognized as a Top Five Producer of the Orange office over the last 32 years and is the author of The Sequence, which just came out this past summer. For show notes, past guests, and more CRE content, please check out Crexi's blog.Looking to stay ahead in commercial real estate? Visit Crexi to explore properties, analyze markets, and connect with opportunities nationwide. Follow Crexi:https://www.crexi.com/​ https://www.crexi.com/instagram​ https://www.crexi.com/facebook​ https://www.crexi.com/twitter​ https://www.crexi.com/linkedin​ https://www.youtube.com/crexi

You've got a lead magnet that people are downloading, but then...crickets? Let's fix that!In this Email Empire episode Allison Hardy breaks down the real MVP of your email funnel: the nurture sequence. It's not about fluff or filler, it's about helping your email subscriber see their problem differently so they're primed to buy before you ever pitch.If you've ever felt like your email funnel isn't selling the way it should, this episode is your behind-the-scenes look at what's missing, and how to fix it.TAKEAWAYS:A nurture sequence isn't just a warm welcome, it's a strategic series of emails designed to shift your lead's mindset and get them ready to buy.Unlike a welcome sequence, your nurture sequence focuses on your subscriber's pain points, assumptions, and logical next steps, not on you.The goal isn't to sell immediately, but to reveal new layers of their problem so your offer becomes the clear solution.Allison shares two concrete examples (including her own $80K email template funnel) to show how well-crafted nurture sequences do the heavy lifting before the pitch even hits.LINKS YOU MIGHT FIND HELPFUL: Check out the blog post that accompanies this podcast episode for more details and resources.Snag 1 of only 12 VIP Weeks available in 2026. If your nurture sequence feels unclear, or you're not sure what to say, what comes next, or how your emails are supposed to work together, this is exactly what we solve during a VIP Week. Click here to learn more.Know you need email marketing support, but not sure what offer works best for you? Fill out this form, and Allison will be back in your inbox with a few options that fit you, your business, and your budget best.CONNECT WITH ALLISON:Follow Allison on InstagramDID YOU HAVE AN 'AH-HA MOMENT' WHILE LISTENING TO THIS EPISODE?If you are ready to take action from listening to this episode, head to Apple Podcasts and help us reach new audiences by giving the podcast a rating and a review. Music by: www.bensound.comLicense code: 8G1GJZZDCLKGU9NRArtist: : Benjamin Tissot

Biology has always been my first love, and this episode felt like the perfect moment to come back to it! In this episode, I share the thinking behind my biology scope and sequence, why order matters so much, and the structures, experiences, and connections students need to truly understand biology. I also dig into my biggest sequencing hot takes and give an inside look at what makes my It's Not Rocket Science® biology curriculum intentionally designed, practical, and effective.➡️ Show Notes: https://itsnotrocketscienceclassroom.com/episode220Resources Mentioned:Biology FULL YEAR Curriculum Biology curriculum on TpT (see all the 5 star reviews!!)Biology Units Biology Scope and Sequence Blogpost Get the FREE Biology Pacing Guide!Strategize Your SequenceDownload your FREE Classroom Reset Challenge.Take the Free Labs When Limited virtual PD courseSend me a DM on Instagram: @its.not.rocket.scienceSend me an email: rebecca@itsnotrocketscienceclassroom.com  Follow, rate, and review on Apple Podcasts.Follow, rate, and comment on Spotify.Related Episodes:Episode 60: Teaching with Packets - What They Are, Why I Love Them, and How to Use ThemEpisode 80: Strategizing Your Sequence: Curriculum Design Part 1Episode 179: Unpacking the NGSS: Phenomena and Storylines Episode 194: The Importance of Inquiry-Based Learning - And How to Implement It PracticallyEpisode 209: Anatomy Scope and Sequence: How and Why I Teach Anatomy the Way That I Do

#684: Most people search for the perfect portfolio — the one allocation that works in every market, at every age, for every goal. This interview starts by explaining why that portfolio does not exist. We talk with Cullen Roche, founder and chief investment officer of Discipline Funds, about why copying someone else's portfolio can backfire, and why portfolio design works better when it starts with your own constraints instead of rules of thumb. We walk through real portfolio models. The conversation begins with the classic 60-40 portfolio. You hear where it came from, how it held up during the Great Depression, and why it became so widely adopted. We also talk about its trade-offs — why it feels boring in strong markets and comforting in crashes, and how that emotional balance plays a role in investor behavior. Next, we shift to a Buffett-style portfolio. You hear why the takeaway is less about stock picking and more about structure. The discussion covers why Buffett keeps a small allocation to cash-like assets, how that “dry powder” functions during downturns, and why psychological stability matters as much as returns. The episode then turns to cash management. We talk about high-yield savings accounts, money market funds and Treasury bills. You hear how many cash products are built on T-bills, how banks capture part of the yield, and when managing cash directly may make sense. The concept of “T-bill and chill” comes up — along with when the extra effort may or may not be worth it. Finally, the conversation zooms out to time horizons. We discuss why income from a job functions like a bond allocation, how that changes risk capacity when you are younger, and why the early years of retirement carry the most danger. The episode closes by explaining sequence-of-returns risk and why portfolios need to work not just on paper, but in moments of fear. Resource: Cullin's website and newsletter: https://disciplinefunds.com Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro  (02:00) No perfect portfolio (03:34) 60-40 portfolio starts (06:38) 60-40 keeps calm (08:00) Buffett portfolio basics (12:11) Stocks vs cash fear (13:34) T-Bill and Chill (18:22) TreasuryDirect is clunky (23:42) Income as bond proxy (25:33) Bond tent buffer (29:12) Sequence risk explained (31:42) Early retirement mindset (32:36) COVID panic calls (42:49) Three-fund portfolio basics (58:41) Get-rich-quick trap (1:18:21) Risk parity and All-Weather Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you waiting for your spiritual life to suddenly feel "abundant," or are you actively growing into it?In this message from November 23, 2025, Pastor Charlie Grimes opens 2 Peter 1:3-11 to show us that a fruitful life in Jesus isn't something we wait for—it's something we cultivate.In "The Abundant Life Realized," you will discover:The Divine Power: How God has already given us everything we need for life and godliness.The Apple Tree Illustration: Using the lifecycle of a tree to understand how faith must root, branch out, and bear fruit.The Sequence of Discipleship: A step-by-step look at verses 5-7 (faith, virtue, knowledge, self-control, perseverance, godliness, brotherly kindness, and love) and how these traits build upon one another.If you want to move from spiritual stagnation to a flourishing, fruitful walk with Christ, this message will encourage you to "make every effort" to grow in your faith.Connect with Us: If this message blessed you, please LIKE this podcast and SUBSCRIBE to the channel for more Biblical teaching and encouragement.We'd love to hear from you: Which step in the "sequence of discipleship" do you feel God is calling you to focus on right now? Let us know in the comments!#2Peter #AbundantLife #SpiritualGrowth #Discipleship #ChristianSermon #PastorCharlieGrimes #Faith #Fruitfulness #BibleStudy #ChristianLiving

This is AI x Multilateralism, a mini-series on The Next Page, where experts help us unpack the many ideas at the nexus of AI and international cooperation. Today, the majority of AI development and deployment is controlled by a small number of powerful firms. If this path continues, the next generation of digital infrastructure underpinning our societies will be privately owned and unaccountable to the public interest.  Is there another way, one where where AI serves the common good? In this episode, Jacob Taylor (Fellow at the Brookings Institution's Center for Sustainable Development and a 2025 Public AI Fellow) and Joshua Tan (Co-Founder and Research Director at Metagov) make the case for Public AI: shared, open AI infrastructure (much like highways, electricity grids, and public broadcasting), that is publicly responsible and harnessed to solve collective problems. Drawing on their article Public AI is the New Multilateralism and Metagov's Public AI White Paper, they argue that building public AI infrastructure can become a new form of multilateralism, where states, academia and civil society co‑create accessible, accountable AI systems that can be shared and re-purposed to meet a range of local, regional and global needs. They share real‑world examples of Public AI already emerging, explain why middle powers have the strongest incentives to lead Public AI, and outline an “Airbus for AI” model to close capability gaps, reduce the world's dependency on a few private platforms, and solve cross‑border problems. Resources mentioned:  The Public AI Inference Utility - publicai.co  Public AI - https://publicai.network/  Production:    Guests: Jacob Taylor and Joshua Tan 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 #PublicAI #AIInfrastructure

(1 Thessalonians 4:13-18) - In this chapter Paul revealed new information about the coming of the Lord to gather church-age believers before - the time when God's righteous wrath is poured out in judgment upon a Christ-rejecting world. They were to take - comfort from these new truths about the resurrection of both living and deceased church-age saints. - Separate charts are provided: - 1) Distinctions between the Rapture and the Second Coming - 2) The Sequence of Events at the Rapture - [27 minutes]

Michelle Warner took the “escapee avoidance” route — she planned to do the traditional MBA-to-consulting path… then graduated straight into the Great Recession (the day Lehman fell). That curveball pushed her into entrepreneurship early: a founder-for-hire role turning a multi-billion-dollar foundation asset into a business, followed by a mission-driven tech startup, and eventually her current work helping small business owners design the next iteration of their business.This is a tactical episode about what actually works when you're leaving corporate: why you should “throw spaghetti at the wall” early, how to stop doing random coffee chats, and how to use relationship marketing and audience borrowing to land clients faster — without turning into a sales robot.What you'll learn • Why “sequence over strategy” matters more than the perfect plan • The hidden risk of being too strict and narrow early on (and why it creates regret later) • How Michelle built her business through relationship marketing, not content churn • “Audience borrowing” as the fastest way to build trust and pipeline • How to approach connector conversations vs. client conversations • Why your early goal is simple: learn how to make money and stack wins • A practical way to think about packaging: repeatable frameworks, flexible middleKey moments / highlights • Graduating into chaos: the day Lehman fell and what it changed • Founder-for-hire: getting a salary while living the startup founder life • Affordable internet in inner cities — and what customers actually did with it • “Fractional CEO” before fractional was trendy • The rule: don't build with blinders on for too long • The shift from “networking for jobs” to networking as a long-term business asset • The line that matters: say something that people can't “unsee” after the callMichelle's core concepts (worth stealing) • Sequence over strategy: the order of moves beats the elegance of the plan • Throw spaghetti first: test offers, clients, and problems before you commit • Connection avatar: define who's worth meeting so networking doesn't waste your life • Trust transfer: get introduced through people/places your audience already trusts • Audience borrowing: build relationships with people who “own the room” your clients are inBest quote energy • “Learn all the rules so you can go break them.” • “It's more important the order you do things than how good you are at it.” • “I'm totally unemployable.” (Escapee anthem)Connect with Michelle • Website: themichellewarner.com • Podcast: Sequence Over Strategy (short, practical episodes; curated playlists on her site)Connect with Brett / The Escapee ecosystem • If corporate is broken and you're looking at an exit strategy, this is your sign. • Join the community: TheEscapeeCollective.com

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety.With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Their approach centers on understanding each client's goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation.At Mercer Financial Group, they believe retirement should be lived with confidence. Their mission is to empower clients with clarity, thoughtful planning, and trusted expertise so people can enjoy the financial security they've worked hard to achieve.Learn More: http://www.mercerfg.com/Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS. Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-market-volatility-sequence-of-returns-risk

How We Seeez It! Episode 320, Pluribus (2025) Season 1 “Because I'm smart enough to know you don't ask a drug dealer to describe their heroin.” — Carol. Vince Gilligan's latest sci-fi, dystopian dark comedy series on Apple TV stars Rhea Seehorn as Carol Sturka. This series will have some people yelling praise from the rooftops, while others lament its slow and, to them, boring pace. No matter what side you come down on, we can all agree that Pluribus is thought-provoking. So, join us for the discussion, and don't forget about our cocktails for this episode — there should be some good ones. As always, mix a drink, have a listen, and let us know what you think. Or let us know if there's something you've watched that we might enjoy, or a can't-miss series we should check out. Please also rate and review the show on all your favorite podcast apps.   Drinks for the episode: "The Sequence" ¾ oz Drambuie ¾ oz Campari ¾ oz Crème de Violette ¾ oz Blue Curaçao layer carefully and stir before drinking & "D.O.S.E. of Screaming Orgasm" 1 oz Vodka 1 oz Amaretto 1 oz Coffee liqueur 1 oz milk “HDP” 3 oz 99 Bananas 2 oz Crème de Cacao 2 oz Milk Shaken and pour over ice "Hand Grenade" 1 oz London Dry Gin  1 oz Spiced rum 1 oz Vodka 1 1⁄4 oz Midori 1 1⁄4 oz Pineapple juice Beer Komes Raspberry Porter   Show links. https://hwsi.fm https://hwsi.podbean.com/e/pluribus-season-1/  HWSI LinkTree HWSI Facebook Link HWSI Instagram Link HWSI Youtube link !! You can also email the Podcast at the.HWSI.podcast@gmail.com

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety.With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Their approach centers on understanding each client's goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation.At Mercer Financial Group, they believe retirement should be lived with confidence. Their mission is to empower clients with clarity, thoughtful planning, and trusted expertise so people can enjoy the financial security they've worked hard to achieve.Learn More: http://www.mercerfg.com/Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS. Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-market-volatility-sequence-of-returns-risk

Supersede manufactures structural building products from recycled industrial and agricultural plastic waste, creating drop-in replacements for plywood and OSB. What makes their approach notable isn't the environmental mission - it's the deliberate market sequencing strategy that let them reach the top 10 boat builders globally within months of launch. CEO and Co-Founder Sean Petterson, whose father died on a construction job and who previously built and sold a construction safety equipment company, knew the construction market's reputation for slow adoption would kill them before they could prove their product. So instead of pitching the $12B+ annual US construction market directly, they started with marine applications where regulatory pressure, product toxicity issues, and performance failures created urgent buying windows. In this episode, Sean breaks down how they used trade show metrics to validate product-market fit, why they're absorbing shipping costs to prove regional demand before building plants, and the operational art of scaling manufacturing capacity against pipeline conversion timing. Topics Discussed: Strategic market entry: why marine and RV serve as proving grounds and revenue generators before construction How material properties (waterproof, high density, VOC-free) dictated target application selection The regulatory catalyst: California's formaldehyde ban creating electrolysis problems in boat transoms Trade show execution at IBEX Tampa: converting sustainability pavilion traffic into top 10 builder partnerships Multi-plant expansion strategy: Phoenix for marine, Indiana for RV proximity to Elkhart manufacturing hub The timing challenge: balancing capex on new production lines against uncertain customer adoption curves Using shipping cost absorption as market validation before committing to regional manufacturing Product thickness decisions and the constraint of running 24/7 production on single SKUs Long-term infrastructure goal: lights-out factories in every state to hit 10% US market share GTM Lessons For B2B Founders: Map product attributes to urgent pain points, not general market needs: Sean's framework was ruthlessly specific—Supersede's material is waterproof, twice as dense as wood, VOC-free, and has superior fastener retention. Rather than positioning these as generic benefits, they mapped each attribute to acute pain: marine grade plywood costs 3-4x more, leaches formaldehyde and CCAs into water, and California's new regulations were causing electrolysis that corrodes aluminum transoms. This isn't marketing positioning—it's matching physics to procurement urgency. Founders should inventory their product's fundamental characteristics and find markets where each one solves an active crisis. Use expensive distribution as a validation tool before infrastructure investment: Supersede services Florida boat builders from their Phoenix plant despite shipping costs destroying margins. This is intentional—they're paying for market intelligence. Only after customers move from single units to full product lines do they commit manufacturing capex to that region. Sean's calculus: "As long as we have enough comfort in the unit economics to manage shipping costs, we can explore how markets look before sinking too much in." Most founders optimize for margin too early. Supersede optimizes for learning, treating distribution costs as cheaper than building the wrong plant in the wrong location. Create credibility through extreme durability testing, then cascade down: Sean describes pontoon boats with twin 300hp motors hitting 60mph over waves as their "value proposition crucible." This isn't about marine market success—it's about creating an unarguable proof point for every downstream market. When they enter construction, they won't debate whether their product can handle a roof load; they'll show years of data from conditions that make construction look gentle. The insight: win in the most punishing environment first, then every easier application becomes a layup. Most founders do the opposite—start easy, then struggle with credibility when moving upmarket. Sequence markets by sales motion similarity, not revenue size: The marine-to-RV-to-construction path isn't about market size—it's about operational leverage. Sean notes RV has "the same exact process, except they move a little quicker" as marine. Both are concentrated geographies (marine in Florida, RV in Elkhart), both have OEM buyers making high-volume decisions, both value durability and water resistance. This lets them reuse sales playbooks while building revenue. Construction, despite being 10x larger, requires completely different distribution (retail + wholesale), longer approval cycles (two years for major projects), and more diverse buyer personas (contractors, architects, developers, retailers). The sequencing strategy funds the capability build they'll need for construction without the distraction of learning three different GTM motions simultaneously. Treat trade shows as validation metrics, not lead generation: Supersede tracked specific conference-provided data at IBEX: highest searched booth, highest saved, most traffic despite being in the "sustainability pavilion" that attendees typically skip. They didn't just collect business cards—they validated that their value proposition resonated at scale before committing to a multi-plant buildout. Sean converted this signal into partnerships with all top 10 builders by volume within the show cycle. The lesson: use trade shows as market research tools with quantifiable success metrics, not as top-of-funnel activities. If you can't win a trade show in your target segment, you're not ready to scale. Balance production constraints against customer optionality to force prioritization: Supersede faces a counterintuitive challenge—they have demand for multiple product thicknesses but can only run 24/7 production on one thickness per line to maintain efficiency. This forces brutal customer prioritization decisions. As Sean puts it: "Which customer we like better." Rather than viewing this as a problem, recognize it as a focusing mechanism. Resource constraints force you to choose customers who value your core offering most rather than customizing yourself into complexity. Most founders try to serve everyone before proving they can serve anyone exceptionally. // 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

Join co-hosts Adrian M. Gibson, M.J. Kuhn & Greta Kelly as they chat with bestselling author Scott Lynch about his acclaimed the Gentleman Bastard Sequence, the origins of Locke Lamora, worldbuilding approaches, planning a heist 101, compelling character relationships, creating impossible situations for your characters, mental health and therapy, (toxic) fandom and being a public figure, childhood ambitions, medieval Icelandic lawsuits and much more.NOTE: This is part one of a two-part chat with Scott. Stayed tuned next week for his writing masterclass on Revealing Character Through Dialogue.OUR SPONSOR:A weary warrior. A restless baker. A magical side quest neither of them asked for, but both might need. Flour & Forge by Herman Steuernagel is The Hobbit meets The Wizard of Oz in a charming, feel-good fantasy adventure.Releasing March 5, 2026 in all formats. Pre-order it ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE in eBook or audiobook.SHOUTOUT TO THE 'SFF ADDICT' PATRONS:Thank you Ian Patterson, Herman Steuernagel, David Hopkins, Luke F. Shepherd, Christopher R. DuBois, Luke A. Winch and GavinGuile for supporting us on Patreon at $10+.SUPPORT THE SHOW:- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (for exclusive bonus episodes, author readings and more)- Rate and review, and share us with your friendsEMAIL US WITH YOUR QUESTIONS & COMMENTS:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sffaddictspod@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ABOUT OUR GUEST:Scott Lynch is the bestselling author of the Gentleman Bastard Sequence, including The Lies of Locke Lamora, Red Seas Under Red Skies and The Republic of Thieves.Find Scott on Instagram, Bluesky, Amazon and his personal website.ABOUT OUR HOSTS:Adrian M. Gibson is the author of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mushroom Blues⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Find Adrian on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠his personal website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.M.J. Kuhn is the author of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Among Thieves⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and⁠⁠⁠ Thick as Thieves⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Find M.J. on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠her personal website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Greta Kelly is the author of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Queen of Days⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, The Frozen Crown and The Seventh Queen.Find Greta on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠her personal website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.FOLLOW SFF ADDICTS:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linktree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MUSIC:Intro: "⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Into The Grid⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠" by MellauSFXOutro: “⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Galactic Synthwave⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠” by DivionAD ATTRIBUTION:- Music: "Epic Fantasy" by kornevmusic- Video provided by client

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! ---

reference: Sri Aurobindo, Bases of Yoga, Chapter 4, Desire — Food — Sex, pp. 78-79This episode is also available as a blog post at https://sriaurobindostudies.wordpress.com/2026/01/17/the-sequence-of-elimination-of-unwanted-vital-movements/Video presentations, interviews and podcast episodes are allavailable on the YouTube Channel https://www.youtube.com/@santoshkrinsky871More information about Sri Aurobindo can be found at www.aurobindo.net  The US editions and links to e-book editions of SriAurobindo's writings can be found at Lotus Press www.lotuspress.com#Sri Aurobindo #yoga #integral yoga #sex-impulse #Brahmacharya #spirituality

If you are thinking about retiring in 2026, or even easing back from full time work, this is the year where small decisions start to matter a lot. In this week's episode, I look at how to check if retirement is actually realistic, which pension moves still make sense, and how to think about income rather than just fund size. This is about clarity, not hype. And avoiding expensive mistakes!   Key talking points   • Why the year before retirement is the most valuable planning window • The five numbers you must know before saying "I'm nearly there" • Why income planning beats obsessing over pension fund size • Pension contribution and AVC opportunities that disappear if you delay • Cash buffers and why they reduce stress more than people expect • When investment risk becomes your friend and when it becomes a problem • Sequence risk explained in plain English • Common mistakes we see from people one to two years out from retirement • What you should have ready before speaking to a financial planner   I hope it helps!

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.

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

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.