Podcasts about shifting

Is your digital strategy outdated? Let us audit it and give you the blueprint you need to scale. Book your spot: https://www.tiereleven.com/audit (only 3 spots available).Are you still throwing money at ads, hoping to get better results? Well, that approach may be holding you back. In today's episode, I'm sharing a powerful case study where a simple shift in marketing strategy resulted in a massive revenue boost, all while spending less. I break down how we adjusted our budget allocation across platforms, focusing on top-of-funnel channels to increase awareness. We shifted ad spend, and the results were incredible: 21% increase in revenue, 34% reduction in cost per acquisition, and significant growth in organic sales.I'll walk you through the numbers and show you exactly how we made it happen. This isn't about spending more cash on ads; it's about getting more with less. In This Episode:- How we increased revenue by 21%- Shifting ad spend from bottom to top funnel- Reducing nCAC (CPU) by 34%- How Amazon's budget was reduced by 91%- Growing marketing channels without additional spend- Key takeaways for your own ad strategyMentioned in the Episode:Partner With Our Marketing Experts: https://www.tiereleven.com/apply Tier 11's Data Suite: https://www.tiereleven.com/what-we-do/data-suite Tier 11's Marketing Performance Indicators (MPIs) Checklist: https://www.tiereleven.com/marketing-performance-indicators Creative Diversification Playbook: https://perpetualtraffic.com/wp-content/uploads/2025/10/Creative-Diversification-Playbook-Practitioner-Guidance.pdf Listen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube: https://www.youtube.com/@perpetual_traffic?sub_confirmation=1We Appreciate Your Support!Visit our website: https://perpetualtraffic.com/ Follow us on X: https://x.com/perpetualtraf Connect with Ralph Burns: LinkedIn - https://www.linkedin.com/in/ralphburns Instagram - https://www.instagram.com/ralphhburns/ Hire Tier11 - https://www.tiereleven.com/apply-now Connect with Lauren Petrullo:Instagram - https://www.instagram.com/laurenepetrullo/LinkedIn - https://www.linkedin.com/in/laurenpetrullo Consult Mongoose Media - https://mongoosemedia.us/ Mentioned in this episode:https://www.tiereleven.com/auditWe're opening up sponsorship spots for Q1 and Q2! Ads Spothttps://www.tiereleven.com/audithttps://www.tiereleven.com/audit

Global financial giant UBS has downgraded U.S. stocks, as markets stumble into one of their worst starts in decades. Is this a routine reset or a warning shot? Where is capital moving now? Are emerging markets the real story? And with geopolitics heating up and the Fed in play, is this a short-term wobble or the start of a structural shift in global capital? Host Tu Yun joins Warwick Powell, Adjunct Professor, Queensland University of Technology, Australia, Li Lun, Assistant Professor of Economics, Peking University, and Chen Jiahe, the Chief Investment Officer of the Beijing-based Novem Arcae Technologies for a close look.

David Graham, staff writer at The Atlantic and an author of The Atlantic daily newsletter, plus author of The Project: How Project 2025 Is Reshaping America (Random House Trade Paperbacks, 2025), offers analysis of how President Trump is changing the way he describes the status of the war with Iran, and why his public statements about it have shifted around so dramatically. Plus, Mohammed Sergie, editor of Semafor Gulf, talks about how the war has affected the Gulf states.Photo: Donald Trump at a United Nations event on Religious Freedom Monday, Sept. 23, 2019, at the United Nations Headquarters in New York City. (Photo: Shealah Craighead / White House)

Your Next Objective podcast: Round 2, offers practical guidance and career readiness for military members, law enforcement, firefighters, organized based on how far out your transition is. In this episode, Did what you did actually make a difference?When you look back on your career so far, what are you actually measuring? For most of us in the military or first responder communities, the answer is usually how busy we were, the weight of the responsibility we carried, or the sheer number of hours we spent away from home. We're used to a world where effort and sacrifice are visible, and being the person who shows up to get the job done is everything. But there's a hard truth we often ignore: being busy doesn't always mean you're making an impact. You can put in decades of service and still struggle to explain what actually changed because you were there.In this episode, we're digging into why your ego has to take a back seat to the objective and the team. It's a shift from asking "What did I do?" to "Did what I do matter?" Shifting your focus from your title to your actual impact does more than just make you better at your current job. It helps you separate your identity from your role, which is the most important mental hurdle you'll face when it's finally time to take off the uniform. We explore how to stop using busyness as a shield and start looking for the quiet footprint you're leaving on your systems and your people.Whether your transition is months away or a decade down the road, the habits you build today define the value you'll bring to the civilian world tomorrow. We break down specific strategies for every stage of the journey:Close Range Group (Transitioning within a year): Your Value is Your Results.You need to market your experience into measurable outcomes like problems solved, efficiencies gained, or people developed. Framing your work this way makes it much easier for a civilian hiring manager to see the specific value you'll bring to their organization.Medium Range Group (Transitioning in 3 to 5 years): Improve the Systems Around You.Focus on strengthening the processes you handle every day, such as training routines, communication flows, or operational procedures. Small improvements in these areas compound over time and ensure the organization performs better even after you've moved on to your next role.Long Range Group (Transitioning in a decade or more): Serve the Mission First.This mindset is about making decisions based on what benefits the objective even when no one is watching or when you won't get any credit. Over time, putting the mission ahead of your ego builds the kind of credibility and leadership presence that defines real impact in any career.The uniform and the title belong to the role, but the impact you create belongs to you. It's time to start measuring what matters.CONNECT WITH THE PODCAST:IG: https://www.instagram.com/paulpantani/IG: https://www.instagram.com/yournextobjectivepodcast/SIGN-UP FOR THE NEWSLETTER:https://transitiondrillpodcast.com/home#aboutQUESTIONS OR COMMENTS:paul@transitiondrillpodcast.comSPONSORS:GRND CollectiveGet 15% off your purchaseLink: https://thegrndcollective.com/Promo Code: TRANSITION15Frontline OpticsGet 10% off your purchaseLink: https://frontlineoptics.comPromocode: Transition10

Inspired Choices for Business Growth with Christine McIver  What if your business has been talking to you… and you've been too busy to listen? This week on Inspired Choices for Business Growth, Christine McIver is diving into a different way of creating success — one that doesn't start with hustle, strategy, or forcing results. Business Growth By Talking With Your Business is about: Developing business ideas by asking instead of pushing  Shifting your mindset from “I have to figure this out” to “I can receive guidance” Energetically connecting with the entity of your business and allowing it to contribute to you Creating growth that feels expansive, aligned, and sustainable Your business isn't just a thing you run — it's a living energetic entity that has awareness, insights, and desires of its own. When you start communicating with it, everything changes. If you're ready to stop doing business at your business and start creating with it, this show is for you. Come listen. Come play. Come grow differently.  CEO Without Apology Author Christine McIver   Amazon.com – https://www.amazon.com/dp/1997615045 Amazon.ca – https://www.amazon.ca/dp/1997615045     ~ More About Inspired Choices for Business Growth with Christine McIver ~  Christine McIver is a Business Optimization Expert, Inspirational Speaker, TV & Radio Personality, and the Founder & Owner of Inspired Choices Network, ICN Summits & ICN Publishing. Christine is highly successful at inspiring individuals and businesses to make choices that will bring them increased success, greater joy, self-confidence and remarkable inspiring change.  All of which increased the abundance in their lives and businesses. Christine lives her life out loud and is a natural cheerleader.  She believes in the abilities of others to change their lives quickly and easily. Christine entices clients to show up more in their life, businesses & relationships than they ever have. She invites them to make all that they once knew was possible, possible. Christine believes that you can be living & loving your life with ease!  Her kind, direct and joy filled approach is both comforting and stretching.  Christine has impacted thousands of individuals with her enthusiastic message of possibilities.  Christine invites all into knowing that all things are possible beyond what is present in your life right now. https://christinemciver.com/ ~  christine@christinemciver.com https://www.facebook.com/InspiredChoicesCA ~  https://www.youtube.com/@InspiredchoicesBusinessGrowth   To get more of Inspired Choices for Business Growth ~ Christine McIver, be sure to visit the podcast page for replays of all her shows here: https://www.inspiredchoicesnetwork.com/podcast/inspired-choices-for-business-growth-christine-mciver/

In this powerful episode of The Feminine Frequency, Amy Natalie sits down with trauma coach and entrepreneur Michael Unbroken to explore the raw reality of high-level success and the "existential crisis" that often accompanies it. Michael shares his journey from a childhood of extreme adversity to the heights of fame and wealth—and the moment he realized he had lost himself in the process. This conversation is a masterclass in shedding the ego, reclaiming personal agency, and the brutal necessity of truth-telling. Michael and Amy dive deep into the differences between masculine and feminine healing, the myth of "feeling ready," and why discipline will always outperform self-belief.Key Episode ThemesNavigating the disconnect between external accolades (private jets and billboards) and the internal need for soul-aligned purpose.How childhood trauma creates a "survival habit" of dishonesty and the necessity of "paying the taxes"—facing the consequences of truth—to find real freedom.Michael's process of turning horrific childhood experiences into a global mission to ensure no child has to endure the same.Shifting from the narrative of "what happened to me" to the radical responsibility of "who I am choosing to be."Why waiting for confidence is a trap and how 365 days of disciplined action creates the belief that motivation cannot.A nuanced look at how different energies require different coaching styles—challenging the "ego" versus holding a "delicate container" for healing.Using a 10-year vision to audit daily habits and the "mental masturbation" of consuming content without taking action.Why the path to the "Phoenix" requires walking through the smoldering ashes of a life built on false pretenses.SPECIAL OFFER:

"We always say 'Motivation is like a shower. You should visit it daily.' You have to keep yourself motivated every day. How do I get myself motivated and sold back on myself so that I can be the best version of how I want to show up for my clients?" –Julee Gracey In this episode, sales and marketing coach, speaker, and author of Highly Confident, Julee Gracey explains why confidence is the foundation of pricing, pitching, and growing a bookkeeping business. She shares practical strategies to help you strengthen your internal dialogue, communicate your value clearly, and attract higher-quality clients who are willing to pay for your expertise. In this episode, you'll learn: How to stop underpricing & stand firm behind your fees Why you must get sold on yourself before you try to sell your services How to identify your ideal clients & speak directly to their needs To learn more about Julee, click here. Follow Julee on Instagram. Get a copy of Highly Confident. Time Stamps 00:55 – Introduction to Julee & her background in sales 06:17 – Why confidence is required before you can sell 10:41 – Rewiring negative self-talk & managing imposter syndrome 14:01 – The difference between selling & closing 16:05 – Why you should stop handing out business cards 20:11 – Understanding the three types of clients 27:01 – How to overcome fear of networking events 33:21 – Shifting from price focus to return on investment 36:26 – A real example of raising prices & holding firm 40:29 – Overview of Julee's book Highly Confident This episode is brought to you by our great friends at BILL! They're hosting Bookkeeper Appreciation Week from March 30th to April 3rd—dedicated to recognizing the real work you do and giving you tools you can actually use to free up time for more strategic work. Get ready for 5 days of practical resources delivered straight to your inbox, plus live, CPE-eligible webinars! Register now at bill.com/successfulbookkeeper! Don't miss it!

Many high-performing women feel like they should have food, weight, and health figured out by now.You track. You follow the rules. You try to eat “clean.” Or maybe you quietly eat less and less because it feels safer that way.But despite doing everything right… your weight won't shift, your energy feels off, and food still takes up too much space in your mind.In this episode of Body Led by Design, Melissa breaks down two of the most common eating archetypes she sees in driven, high-responsibility women:The Perfection-Driven ControllerThe Chronic RestrictorThese patterns often look different on the surface but share the same root: the belief that your body can't be trusted.You'll learn why these patterns develop, how diet culture and stress shape your relationship with food, and what it actually takes to rebuild trust with your body again.This episode is part of Melissa's Eating Archetypes series, designed to help you recognize your patterns with curiosity instead of judgment—and begin shifting them in a sustainable way.In This Episode You'll LearnThe difference between the Perfection-Driven Controller and the Chronic RestrictorWhy control around food often comes from fear, not disciplineHow diet culture teaches women to outsource their body's wisdomWhy intuitive eating doesn't mean “eating whatever you feel like”The physiological effects of chronic restriction on metabolism and hormonesWhy hunger cues disappear when they've been ignored for yearsHow stress and nervous system dysregulation influence eating patternsA practical tool you can use today to begin rebuilding body awarenessFree Resource: Start Rebuilding Body TrustIf today's episode resonated, Melissa created a guide to help you understand why weight loss often stalls—even when you're doing everything “right.”Download the free guide:The Real Reason Your Weight Isn't Shifting

A structural shift is occurring in the managed IT services landscape as AI capabilities are rapidly embedded across enterprise applications, with oversight and risk management functions increasingly separated out and monetized as add-on services. Vendors, including Microsoft and OpenAI, are deploying AI agents in essential tools such as Outlook, Teams, and Excel, then selling governance, security, and compliance capabilities as additional paid layers. The core mechanism is the transfer of operational and liability risk downstream to IT service providers and their clients, while ownership of the control plane and margin on risk mitigation remain with the vendors. The episode highlights consequential findings regarding AI reliability and adoption. A Nature Medicine study found that OpenAI's ChatGPT Health underestimated emergency severity in 51.6% of cases, prompting concerns about overreliance on AI for critical decisions. Additionally, Confluent's UK executive survey indicated that 62% of organizations are already shifting decision-making to AI, but only 7% have a company-wide AI strategy, and fewer than half of executives and employees agree on actual daily AI usage. Most leaders receive little formal AI training yet are second-guessing their own judgment in favor of AI output. Further reinforcing the governance gap, Microsoft is launching Agent 365 and new enterprise security tiers, while OpenAI's acquisition of Promptfoo signals a focus on AI reliability testing and compliance monitoring. Funding for GRC platforms like IntelliGRC demonstrates capital flowing into third-party oversight solutions. The recurring pattern is vendors first pushing broad agent adoption, then introducing and monetizing governance as a discrete add-on, often outside the default package. Operationally, MSPs and IT leaders face increased liability exposure if they rely on vendor-native governance without independent audit or measurement capability. The absence of industry-standard reliability metrics for AI, combined with the perception and usage gaps inside organizations, calls for MSPs to lead in auditing, documenting, and independently measuring AI usage and performance. Failing to proactively manage these controls can result in silent risk absorption and unfavorable positioning as vendors bundle compliance and pass residual risk downstream to service providers. Three things to know today 00:00 AI vs. Judgment                            02:35 Agents vs. Oversight 04:04 AI Reliability Gap 05:15 Why Do We Care?  Supported by:  ScalePad 

In this episode, Tall Cop Jermaine Galloway dives into the rapidly shifting landscape of kratom regulation across the United States. As more states, cities, and counties begin examining restrictions and outright bans, the conversation around kratom is changing fast. Tall Cop breaks down what drives these policy decisions, where regulations are emerging, and the growing concern surrounding 7-Hydroxymitragynine (7-Hydroxy) a powerful compound increasingly appearing in kratom products.Why should educators, communities, prevention professionals, and law enforcement pay attention? Because the kratom market is evolving quickly, and understanding these trends is critical. Buckle up for a fast-moving look at the who, what, where, and why behind the changing tides of kratom and 7-hydroxy regulation.

Today on The Brooklyn Cafe Show, we welcome Laurina Anderson, known as “The Energy Shifter,” who shares insights on how changing your energy can transform your mindset and life.Joining the conversation is Tammy Hernandez, host of Tammy Time, bringing her passion for lifestyle, positivity, and personal growth. Tune in for an uplifting discussion about empowerment, mindset, and creating the life you want.#BrooklynCafeShow #EnergyShift #PositiveVibes #TammyTime #MindsetMatters #LiveInspired

3. Guests: Ernesto Araújo and Alejandro Peña Esclusa Headline: A "New Dawn" as Cuba Negotiates with the White HouseSummary: Shifting dynamics in Latin America see Cuba entering direct negotiations with the Trump administration as Venezuelan oil subsidies end. The region's turn toward right-wing governments signals a major geopolitical transformation. (4)1923 TEHRAN

Welcome back to the "Waiting for Weight Loss" Lenten series on the Compared to Who? Podcast! In this heartfelt episode, host Heather Creekmore dives deep into the challenge so many face: How can we desire body change or weight loss while still honoring, loving, and accepting the bodies we have—right now? Episode Highlights: Heather Creekmore unpacks why self-hatred is NOT a biblical motivator for change, and what healthier (and more effective) alternatives look like. You’ll hear practical, grace-filled advice on: Buying clothes that fit and flatter your body today, not waiting for a “goal weight.” Stopping the cycle of body checking, mirror scanning, and anxious self-critique. Shifting your mindset from shame-driven to gratitude-driven, even if you’re still on the journey to acceptance. Releasing comparison and learning to thank your body for all it’s helped you accomplish, instead of shaming it for what it’s not. Embracing the foundation of being loved and accepted by Jesus as you are, regardless of your current size or shape. Key Takeaways: It's absolutely possible to want change for your body without making shame your motivation. Acceptance now actually sets you up for healthier choices later—no more waiting for the "perfect" time or body. True transformation starts with knowing you are already fully loved in Christ. Join the Community:Don’t try to tackle these tough topics alone! Join our free Waiting for Weight Loss community at waitingforweightloss.com and connect with other like-minded Christian women, get your questions answered, and receive coaching and encouragement on your journey. Let’s heal together—and walk through Lenten transformation with acceptance, dignity, and hope. Subscribe and share if you found this episode helpful, and don’t miss out on future encouragement from Compared to Who? Want to go deeper? Join the conversation in the Waiting for Weight Loss community today! Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

How Behavior-Driven Design Is Defining the Future of the Home KBIS Series 2026, findings and experiences from the Kitchen & Bath Industry Show, recorded live from the KBIS Podcast Studio presented by AJ Madison. This was the second year of this program and we built on last year's show with even more experts in the industry sharing experience, findings and industry-leading insights. KBIS Podcast Studio Resources: KBIS AJ Madison NKBA LUXE Interiors + Design SubZero, Wolf & Cove SKS | Signature Kitchen Suite Hearth & Home Technologies Kitchen365 Green Forrest Cabinetry Midea What happens when home innovation prioritizes real-world habits over flashy, unnecessary features? This conversation explores how a deep understanding of how people use their appliances every day leads to intentional solutions that fit every lifestyle.  Join Justin Reinke, Head of Product Marketing at Midea, and Ryan Shaffer, Sr. Technical Product Planning Engineer at Midea, to discuss how hundreds of hours of in-home observation drive breakthroughs in everything from acoustic comfort to specialized hygiene. By analyzing universal pain points—like the rise of sustainable drinkware and open-concept living—we examine the R&D required to make daily chores easier through practical, performance-driven design that works harder for the household. For decades, appliance innovation followed a predictable formula: more features, more technology, more complexity. Digital displays replaced analog controls. Connectivity introduced remote operation. Artificial intelligence promised optimization. But somewhere along the way, innovation lost sight of its most important objective—serving the human being. Today, that philosophy is changing. At KBIS 2026, one of the most important conversations wasn't about technology itself, but about behavior. Appliance manufacturers are increasingly recognizing that true innovation does not begin in engineering labs. It begins in homes—watching how people live. This shift represents a fundamental evolution in product development. Instead of asking what technology can do, manufacturers are asking what people actually need. Consider the refrigerator. It is opened dozens of times each day, often absentmindedly, during moments of distraction, urgency, or fatigue. Every movement—the height of a shelf, the accessibility of a drawer, the ease of filling a glass—shapes the user's experience. These micro-interactions define whether an appliance feels intuitive or frustrating. Similarly, dishwashers must now accommodate modern behavioral realities. Reusable bottles, travel tumblers, and complex accessories require flexibility that traditional rack designs never anticipated. Washing machines must operate quietly enough to coexist within open-plan homes, where appliance noise becomes part of the lived environment. These are not technological problems. They are human problems. The most forward-thinking manufacturers have embraced observation as their primary design tool. By studying real households, engineers and designers can identify friction points invisible in traditional research. The goal is not to add features, but to remove obstacles. This approach also challenges the industry's historical obsession with specifications. Feature lists do not guarantee usability. Connectivity does not guarantee convenience. Technology that requires explanation has already failed its most important test. The future appliance must be intuitive. It must integrate seamlessly into daily routines, supporting behavior rather than disrupting it. It must operate quietly, reliably, and predictably. It must reduce mental load, not increase it. Perhaps most importantly, it must respect the reality that appliances are not aspirational objects. They are functional infrastructure. They exist to support life, not define it. This shift toward behavior-driven design reflects a broader maturation of the appliance industry. Innovation is no longer measured by novelty, but by invisibility. The best appliances do their job so well that users never think about them at all. In the end, the future of appliances will not be defined by how advanced they are. It will be defined by how effortlessly they serve the people who depend on them every day. Behavior as the Foundation of Innovation Product development begins with observing real-world habits. Behavioral insights reveal needs consumers rarely articulate. Design solutions prioritize intuitive use over technical novelty. Practical Innovation vs Feature Saturation Most consumers use only a small percentage of available features. Simplification improves usability, adoption, and satisfaction. Innovation must solve real problems—not marketing problems. Appliances as Infrastructure for Daily Life Refrigerators open dozens of times daily, making ergonomic design critical. Dishwashers, washers, and refrigeration now integrate into behavioral routines. Appliances increasingly support lifestyle efficiency, not just task completion. Noise Reduction and Environmental Integration Open floor plans make acoustic performance essential. Quiet operation improves perceived quality and livability. Engineering focus has expanded beyond performance to experiential comfort. Replacement Market Realities and Design Flexibility Most appliance purchases are replacements, not full remodels. Products must integrate visually and functionally with mixed-brand kitchens. Flexible, accessible design supports long-term usability. Sustainability Through Longevity and Efficiency Sustainability now includes durability, waste reduction, and performance efficiency. Better storage and preservation reduce food waste. Long product lifecycles contribute to environmental responsibility.

There's a lot of news to take a break from — so another visual ambience bonus. Get up in the clouds and look how manageable things look from up here.

SHORT STORY 1: Election Results BreakdownParty leaders forecast energetic election season in Tarrant County heading out of primariesSHORT STORY 2: Karen Molinar replaced as FWISD SuperintendentAs Superintendent Karen Molinar exits takeover, Texas signals a hard reset for Fort Worth ISDFort Worth ISD Superintendent Karen Molinar ousted amid TEA takeoverFort Worth ISD community calls again for immigration policy to protect studentsSHORT STORY 3: Data CentersTax breaks considered for waterless data center in far west Fort WorthWINS: Give me an F: Fort Worth's 10-foot public art gateway project installed after 20-year waitRose-colored Latino-themed bus route announced for south Fort Worth / Visit Fort Worth celebrates convention center's flying saucer, outgoing leader‘Transformative' $1.7B Westside Village mixed-use project officially breaks groundLand around Farrington Field for sale as FWISD seeks $250M mixed-use projectLOSSES: Manny Ramirez: Lower the Temperature in Politics and Return to ResultsBanning Islam, deporting Muslims discussed at Fort Worth church after primary electionsACTIONS:March 9 - Fort Worth Report votes to unionize (Sign the letter)March 10 - Data center vote at Fort Worth City Council (Sign the letter)March 15 - 817 Gather at 10am (Join us)March 21 - FWAAMFEST (Get tickets)March 31 - Waterless Data Center voteJoin the 817 Gather Discord, and follow us on Instagram & TikTok.

2. The Failure of Precision BombingPrecision bombing fails due to Japan's notorious weather, violent jet streams, and B-29 mechanical issues. Scott details the challenges of 3,000-mile roundtrip missions and the growing debate over shifting from pinpoint targets to the firebombing of cities, a strategy already employed by the British in Europe. (11)1944 TOKYO

Travis Chappell is a former door-to-door sales pro turned top business podcaster and founder, who has recorded over 1,500 episodes and read more than 200 non-fiction books to level up his mindset and income. In this solo episode, he opens up his personal notes and “audio journal” to share the exact questions he asks himself to break out of stagnation, take bigger swings, and reset his thinking when life punches him in the mouth. On this episode we talk about: Why the quality of your life tracks the quality of the questions you ask yourself How “When was the last time I risked embarrassment?” exposes if you've been playing too small Connecting risk and reward with “When was the last time I got something I wanted?” Using the frame “It happened, now what?” to stop complaining and start solving The “No bullshit, what would it take?” question that turns “impossible” goals into concrete plans Top 3 Takeaways If you aren't regularly risking embarrassment, you're probably not putting yourself in positions where extraordinary outcomes are even possible. The biggest wins in your life usually follow periods where you willingly risk failure, rejection, or looking foolish—and that first big win becomes a confidence superpower for future risks. Shifting from blame to agency (“It happened, now what?” and “No bullshit, what would it take?”) trains your brain to look for solutions and opportunity instead of excuses. Notable Quotes “The quality of your life is determined by the quality of the questions that you ask.” “If you're not willing to risk embarrassment, then you're probably not ever going to achieve anything outside of the ordinary.” “No bullshit, what would it take?” Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell​ ​Instagram: https://www.instagram.com/travischappell ​Other: https://travischappell.com ​  Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency. Capture leads, nurture them, and close more deals—all from one powerful platform. Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

The karmic burn is happening right now — and if you want a powerful space to clear what's surfacing, join us inside BONES. → Join BONES here  This week's astrology is intense but incredibly revealing. The fog is lifting, the underworld is speaking, and many of us are experiencing a soul-level course correction. In this episode of ReWilding Weekly, we explore: • Why the “fire before the new forest” moment is happening • The karmic burn of the South Node eclipse • The shadow work window that is opening right now • Truth bombs and old wounds rising to be healed • The soul-level course correction unfolding this week • Why some people will collapse in this moment — and others will thrive This is a week of destiny. The more conscious we become about what's surfacing, the more powerful the path forward becomes. If you want to go deeper into the karmic clearing work discussed in this episode, you can journey the Burn the Karma, Walk the Destiny workshop inside BONES. → Join BONES here If you're feeling the call to step more deeply into service during this time of transformation, watch the 4 Pillars of Priestessing video here: → Watch the Priestess Training video  Massive love to you for walking this path with me. Listen to “Something Major Is Shifting — Your Path Is Changing“ podcast here… Topics Explored in “Something Major Is Shifting — Your Path Is Changing” podcast: (Times based off audio version) (0:00) March 9–15 Weekly Astrology Forecast: Eclipse Energy, Mercury Retrograde & Clarity (1:48) Reflection Prompt: Where Is the Fog Lifting in Your Life? (3:06) Theme 1: Collapse, Burn & Rebirth — The Fire Before the New Forest (6:27) Theme 2: Reality Check — The Fog Lifts and You See Clearly (13:41) Theme 3: The Underworld Is Speaking — Karma, Shadow & Fate (17:39) Theme 4: Shadow Work Window — Deep Karmic Release & Freedom (21:02) Theme 5: Soul-Level Course Correction — Pivot, Thrive & Follow Destiny (37:32) Theme 6: Truth Bombs & Old Wounds — Healing Through Chaos (41:32) Theme 7: Masculine Evolution — Warrior Healing, Power & the Heart (46:22) Theme 8: Rise of the Lightworkers — Purpose, Service & Spiritual Calling (52:20) Final Transmission: The Seeds That Only Open Through Fire You can leave a comment or question for Sabrina on the YouTube version of this episode. Listen to after “Something Major Is Shifting — Your Path Is Changing”: This Full Moon Eclipse Ends Who You've Been What’s Done is Done Eclipse Portal Opens Leo Full Moon & Eclipse Portal STAY CONNECTED ReWilding Weekly (free, embodied astrology)  IG  Website  Disclaimer: Educational/spiritual perspectives; not medical/mental-health advice. #2025Shift #NewHuman #SpiritualAwakening Welcome to ReWilding with Sabrina Lynn & ReWilding for Women! A gifted facilitator of revolutionary inner work and the world's leading archetypal embodiment expert, Sabrina Lynn is the creator of the groundbreaking ReWilding Way and founder of ReWilding For Women. Sabrina has led more than 100,000 people through programs based on the ReWilding Way, a modality of healing and awakening that strips away the false, the deep wounds from early life, and the fears that hold people back, to reveal their true and unique soul light and help them build their innate capacity to shine it in the world. Her work includes in-person retreats and events, the monthly ReWilding Membership, Living Close to the Bone, Priest/ess Trainings, Mystery Schools, the ReWilding with the Archetypes, and the wildly popular 6 Faces of the Feminine workshop series. Welcome to ReWilding! The post 368 – Something Major Is Shifting — Your Path Is Changing appeared first on Rewilding for Women.

On MoneyFM 89.3’s International News Review, Steve Okun joins Saturday Mornings Show host Glenn van Zutphen and co-host Neil Humphreys unpack a fast‑moving and deeply unsettling set of global developments — from the widening Iran conflict to political shifs inside the Trump Administration and Singapore's global bagel standing! We begin with the Iran war, which has now spilled across Lebanon, Syria, Kuwait, the UAE and the wider Gulf, with hundreds of drones targeting military and civilian sites. The conflict is no longer contained — it’s regional, persistent, and increasingly shaped by cheap, mass‑produced drones that are redefining modern warfare. Steve explains why these low‑cost weapons are so destabilising and what their proliferation means for global security. We look at the political drama in Washington: Kristi Noem’s exit from the Department of Homeland Security and the rise of Markwayne Mullin, a little‑known but fast‑ascending figure now thrust into the national spotlight. Steve explains who he is, why he matters, and what his emergence signals about the shifting dynamics inside the Trump administration. Finally, is Singapore's world bagel standing on the rise?See omnystudio.com/listener for privacy information.

FULL STREAM 3-6-2026 1569 LONDINIUM In this broadcast, host John Batchelor is joined by guests Jeff Bliss of "Pacific Watch" and Germanicus (Michael Vlahos). Jeff Bliss details a West Coast in transition, beginning with Las Vegas, which is rebuilding through massive infrastructure projects like the Bright Line high-speed rail and the Boring Company. He contrasts the privately-financed Bright Line with California's state-run rail project, labeling the latter a $110 billion "money sink" that has failed to lay any track. Bliss's recent travels highlight a broader urban decline, describing Portland and Reno as "ghost towns" and documenting a harrowing fentanyl crisis in Sacramento right outside the state capital. He notes that despite $28 billion being allotted for homelessness, California's "Care Court" has only treated 22 people, while refinery closures and high taxes push gas prices toward $5-$8 per gallon. This economic pressure is driving a corporate exodus of pillars like Starbucks and Amazon to business-friendly states like Tennessee. (1)Shifting to international affairs, Germanicus examines the unfolding war with Iran, noting that the U.S. administration has invoked a "sacred narrative" to justify the conflict as a divinely sanctioned mission to punish "demonic forces". However, he warns of growing fissures in the U.S.-Israeli alliance. While the U.S. frames the war as one of liberation for the Persian people, Israel's objective is the existential destruction of Iran as a regional power. These divergent goals, Germanicus predicts, will create severe strategic tension as the conflict intensifies. (2)3-

Let's talk about the Texas primary shifting dynamics all over the country....

Anne Tucker: The Flash of Light and the First Wave of Souls Shifting to a New Consciousness:https://www.youtube.com/watch?v=hL72BrJcUKMBashar Darryl Anka | The Paradox of Attraction—Why You Must Let Go to Receivehttps://www.youtube.com/watch?v=cKHn-7X5sIs➖➖➖➖➖➖➖➖➖➖➖➖➖YouTube English: https://www.youtube.com/Vegains YouTube DE: https://www.youtube.com/VegainsDE German Rap: https://www.youtube.com/@VegainsrapInstagram: https://www.instagram.com/vegainstrength Instagram DE: https://www.instagram.com/vegains/My DE Amazon: https://amazon.de/shop/vegainsde Listen to my podcast: https://anchor.fm/ferdibeckGerman podcast: https://anchor.fm/ferdibeckdeWebsite: https://www.vegansavage.com

Hi everyone, today we discuss the major upcoming transits for the month of March. We continue our previous conversations with a recap of Rahu/Mars volatility, the dreaminess of an exalted Venus, and how the planets of Intellect AND Knowledge are both retrograde. With Jupiter's direct motion on March 10th, we will begin gaining some clarity and direction while a few of us will receive a unique and welcome gift from the Universe. We will experience even more relief come the end of March when Mercury also goes direct... Our Roster: March 1st: Venus in PiscesMarch 3rd: Lunar Eclipse in Leo Purva Phalguni March 7th Venus and Neptune at 7 degreesMarch 10th: Jupiter Direct at 20 degrees Gemini PunarvasuMarch 13/14th: Rahu and Mars conjunct at 14 degrees of Aquarius / Shatabhisha (continue to watch for health related news)Kala Sarpa through July 31, 2026 March 14th: Sun in Pisces - April 13th/14thMarch 17th - March 24 Rahu/Mercury at 14 degrees of Aquarius March 18th: New Moon in Pisces 4 degrees Uttara Bhadrapada  (Vedic New Year)March 20th: Mercury direct at 14 degrees of Aquarius , same degree as rahuMarch 25th: Venus in Aries YOUTUBE:D9 exploration:https://youtu.be/HTgYcjltyasCharacteristics of Your Spouse:https://youtu.be/i_cOvdSbjy0Soulmate Astrologyhttps://youtu.be/ExnDysvjzUwChristine:website: innerknowing.yogainstagram: astrologynow_podcastpatreon: patreon.com/astrologynowpodcast keywords: astrology, jyotish, Vedic astrology, sidereal astrology, nakshatras,  spirituality, Christine Rodriguez, aries, libra, scorpio, libra, capricorn, Nakshatra, new moon, taurus, Venus, Jupiter, Pisces, Spirituality, horoscope, retrograde, eclipse, solar eclipse, new moon, lunar eclipse

The Nuggets beat the Lakers 120-113 last night to get their second win in a row. This victory was a lot more vibey and, while not perfect, was significantly better on the vibe scale than their nadir against the Jazz. Also Jeff talks about Stan Van Gundy's observation about how Jokic is allowed to be officiated. Is this a shift in how broadcasters are perceiving "The Jokic rules" by other teams? Enjoy the show! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode Summary In this episode of the Jabot Podcast, host Kathryn Rubino speaks with economist and criminal justice expert Jennifer Doleac, author of The Science of Second Chances: A Revolution in Criminal Justice and Executive Vice President of Criminal Justice at Arnold Ventures. Drawing from economic research and real-world policy analysis, Doleac explains how data — not ideology — should guide criminal justice reform. The conversation explores how incentives shape behavior, why increasing the certainty of consequences works better than harsher punishment, and how evidence challenges many widely accepted assumptions about crime policy. From probation reform and recidivism research to hiring discrimination and unintended policy consequences, Doleac argues that solving complex justice problems requires experimentation, humility, and rigorous testing. The episode ultimately reframes criminal justice reform as a question of incentives, systems design, and evidence-based decision-making rather than political narratives. Links & Resources Home Jennifer Doleac (@jenniferdoleac) on X Arnold Ventures | Jennifer Doleac https://www.linkedin.com/in/jdoleac/ Keywords Criminal justice reform Second chances Jennifer Doleac Evidence-based policy Economics of crime Recidivism research Deterrence theory Probation reform Ban the Box policy Employment discrimination Second chance hiring Policy experimentation Data-driven justice Natural experiments Incentives and behavior Public policy evaluation Mass incarceration solutions Economic analysis of crime Criminal records employment Justice system innovation Episode Highlights 00:04–00:50 - Jennifer Doleac's path from economics to criminal justice research 00:50–02:15 - Using economic tools to measure real-world policy impact 02:15–03:28 - Bridging human justice issues with economic analysis 03:28–05:37 - The three ways economists contribute to criminal justice reform 05:37–06:50 - Shifting policy culture from certainty to experimentation 06:50–08:21 - Why certainty of consequences deters crime more than harsh punishment 08:21–09:43 - Structural challenges of implementing reform across states and jurisdictions 09:43–12:19 - Surprising findings: leniency for first-time defendants reduces recidivism 12:19–15:02 - Probation reform and why more supervision can worsen outcomes 15:02–17:03 - Myths about public safety versus data-driven realities 17:03–19:14 - Employment barriers faced by people with criminal records 19:14–21:11 - How Ban the Box policies produced unintended racial disparities 21:11–22:49 - Rethinking incentives to improve second-chance hiring 22:49–24:24 - Insurance models and market solutions for employer risk concerns 24:24–25:25 - Why experimentation and hypothesis testing must guide reform  

It's Friday afternoon, which means a fresh episode of Oilersnation Radio is ready to massage your eardrums with an hour of off-season Oilers talk. On today's podcast, the fellas discussed the Oilers' moves at the NHL Trade Deadline, previewed Friday's game against Carolina, line combinations, trade targets, and more.We kicked off the Friday episode of ONR with a delicious debate about whether or not the Oilers got enough done at the 2026 NHL Trade Deadline. Given that Stan Bowman's work all got done in the days leading up to the deadline, it's fair to wonder whether the Oilers added enough to keep up with the rest of the Western Conference. At the same time, one could argue that Bowman addressed some major roster holes despite the deals being relatively minor.Shifting gears, the guys looked at what is going to be a very tough handful of games for the Oilers, as they kick off a run of four against the Hurricanes, Golden Knights, and Stars. If ever there was a run of measuring stick games on the post-deadline schedule, this next week has to be it. While many Oilers fans were hoping for more, it's hard to argue that Bowman didn't pull trigger on a handful of players who could help plug some holes. Finally, we wrapped up the Friday episode of ONR with another round of Ask the Idiots, betting talk for our friends at bet365, and Hot and Cold Performers to look back on the week that was. With the 2025-26 season entering the stretch drive, the guys spent the bulk of the podcast moving through a range of topics, some related to the Oilers and others not, but that's the way things go on the Friday episode of ONR.SHOUTOUT TO OUR SPONSORS!!

We had a chance to chat with Tim Pulliam from ABC LA, and discuss his amazing career as an award winning journalist. Tim was recently awarded by The NABJLA for his excellent work in journalism, and there was so much emotion and energy in the room celebrating his work. From growing up in NC, working across multiple markets, and his coverage from the death of Andrew Brown Jr. which earned him an Emmy Nomination.We talked about:-How does he navigate access, accountability and empathy without compromising truth?-How does he decompress after carry such heavy stories?-Shifting the stakes of his reporting from working with numerous news stations.Instagram:@abc7tim@jamir_smithJAMIRSMITH.com#explore #business #celebrity #creativity #podcast #entertainment #radio #reels #thejsjournals

Markets are rattled as geopolitical risk collides with stubborn inflation and rising interest rates. In this episode of the Cents of Security Podcast, host Mary MacNamara is joined by Jose Torres, Senior Economist at Interactive Brokers, to break down what's driving the latest volatility—from surging oil prices and elevated yields to weakening AI momentum and cracks in private credit. They unpack why traditional safe havens aren't behaving as expected, how investors are positioning beneath the surface, and what China's slowing growth means for global demand.

Menopause doesn't have to mean a slower metabolism, stubborn belly fat, or feeling like your body betrayed you. In this interview Dr. Stacy Sims—world-renowned exercise physiologist, nutrition scientist, and author of ROAR and Next Level—breaks down exactly why traditional advice (endless Zone 2 cardio, fasting, calorie restriction) backfires for women in perimenopause and menopause... and what actually works to rev your metabolism, build resilient strength, and thrive.We dive deep into:-Why sprints and heavy lifting (low reps, high intensity) create powerful metabolic signaling-The truth about fueling: More protein + carbs (not less), nutrient timing, and why "calories in, calories out" is outdated for women-How hormone shifts affect insulin sensitivity, glucose use, visceral fat, and brain health...and how to counter them with smart training-Shifting from "loss" to "gain": Build muscle, power, and metabolic health instead of shrinking or slowing down-Practical tips: Less volume/more quality, recovery, mobility, creatine, and mindset shifts for midlife resilienceIf you're a woman 40+ feeling the "rules changed" and wondering why your old routines aren't delivering results anymore, this episode is your reset. Dr. Sims empowers you to take up space, push hard, and feel stronger than ever.00:00 Dr. Stacy Sims05:05 Quality over volume (push hard, recover hard)10:15 The Training Dogma Women Get Wrong (and why)13:55 Sprint Intervals: the Metabolic + Brain Upgrade18:42 Heavy Lifting for Power, Fast-Twitch & Healthspan26:26 DEXA + Labs: the wake-up call for endurance athletes34:33 Why Calories in vs. Calories out Fails40:13 The importance of Creatine50:21 The importance of SleepConnect with Dr. Stacy Sims:Website: https://www.drstacysims.comInstagram: @drstacysimsBooks: ROAR & Next LevelSubscribe for more science-backed women's health, midlife fitness, and menopause empowerment! #Redefiningstrength #Menopause #Perimenopause #Metabolism #WomensFitness #StrengthTraining #DrStacySims #MenopauseWeightGain #SprintTraining #HeavyLifting #HormoneHealth

In this episode of the Bug Bux Podcast, we sit down with the founders of Peppermint Pest Control to discuss their unconventional journey into the industry. Coming from outside the pest control world with "zero connections" and "zero book of business," they explain how their fresh perspective as consumers led them to challenge industry standards.We dive into:The No-Contract Model: Why they rely on quality service rather than binding paperwork to retain customers.The "Trust Business": Shifting the focus from killing bugs to building lasting relationships.Service as Growth: How prioritizing customer experience from the top down has fueled their success.Consumer-First Innovation: Identifying unmet needs in the market and building a brand that truly serves the demographic.Whether you're an industry veteran or an aspiring entrepreneur, this episode offers valuable insights into how a "boots on the ground" mentality and a commitment to transparency can transform any business.Links: Bugbuxplus.com/bbconIG: @Pepermintpestcontrol

Hey friends, it's Amy. Today's episode is a real one, because it's about what to do when life shows up. You know what I mean — when your day doesn't go according to plan, when a curve ball hits, when everything feels out of rhythm, and you're trying to hold it together while still doing what you're called to do.I'm recording this after a whirlwind emergency trip to Florida. We spent an insane amount of time in the car, got my parents back to Iowa, and it really made me think: how do you stay steady when life feels out of control?Here's one of the biggest tools I've used: disciplines.When life is chaotic, routine becomes an anchor. And I saw it in real time — the day I kept my morning routine, I could handle an 16–18 hour travel day with way more ease. The day I didn't? I felt myself spiraling.But then I go deeper — what do you do when you are doing the right things… and you're still not seeing results?You're eating healthy, but the numbers don't change.You're working hard, but the business isn't growing.You're trying in your marriage, but it still feels stuck.You're creating, but nobody is clapping.That's where the real work happens.Because the goal isn't just the outcome — it's who you're becoming in the process. Mental toughness. Spiritual strength. Endurance. Work ethic. Stability. A muscle that can flex without a cheering squad.This episode is a reminder that resistance is often a signpost — not to stop — but to keep going. And if you're tempted to quit, I want you to hear me: the golden life is built in the “show up anyway” seasons.Keep doing the thing.Your future self will thank you.

Most people are treating AI like a "fun tool" to play with. But here's the reality: If your job happens on a screen, the timeline for disruption isn't "someday." It's right now. I'm currently writing my first book, running a business, and homeschooling three kids. I don't have "extra" time—I have AI. It's my personal assistant, my research team, and my strategist all in one. The collapsed barrier: In 2012, you needed a team and capital to build a business. In 2026, you just need a vision and the right prompts. ⚡ The Indispensable Habit Spend one hour a day actually using AI—not just reading about it. Build a marketing plan in 15 minutes. Organize 10 years of ideas into a book outline. Analyze your budget to find hidden costs. The person who spent this year building something they love will always be better positioned than the person clinging to a job description. Ready to lead the shift? Download the Free 90-Day Planner: Transition from employee to entrepreneur and map out your AI-powered goals.

Today we explore the tension between taking more client meetings and protecting leadership time, and why consistent, structured coaching is the only path to multiply revenue through your team. We share a simple framework for one-on-ones that builds judgment, language, and confidence without day-long trainings.In this episode you will learn:• Builder mode versus multiplier mode and why they require different skills• The risk and nuance of delegating revenue compared with admin tasks• Overestimating new hires' impact and underestimating development effort• Keeping one-to-ones under revenue pressure and why consistency wins• A simple prepare–practice–perform–debrief coaching cadence• Shifting from doing the work to building people who do the workIf this episode was useful, follow Elite Achievement to continue building clarity and execution into how you work.Work With KristinKristin partners with business owners and leaders as a thought partner, asking the questions that create clarity, challenge assumptions, and move clients from emotion back into execution.Learn more about private coaching at kristinburke.com.Connect with KristinLinkedInWebsiteGoal Setting Success Course

How you show up in the world matters more than you may realize

In this episode, Aaron Opalewski discusses the rapidly changing landscape of skilled trades and employment in the context of technological advancements like AI. He emphasizes the importance of adaptability, explores future career opportunities, and offers advice for young people navigating their career paths amidst these shifts.Sound  Bites"Roles are going to evolve, you must be adaptable.""Get adaptable to using new tools and learn quickly.""Control what you can and focus on personal growth."Key  TopicsImpact of AI and automation on skilled tradesCareer advice for young people in a changing job marketThe importance of adaptability and learning new skillsFuture opportunities in skilled trades and technologyThe role of apprenticeships and hands-on work in career developmentChapters00:00 Introduction to the episode and host's focus00:27 Current rapid changes in technology and employment landscape01:13 Why skilled trades have been a strong career choice for the past decade01:42 The impact of AI and automation on jobs and roles02:01 The importance of adaptability and learning new tools02:51 Advice for young people: careers in technology, trades, or entrepreneurship03:13 The growing demand for apprenticeships and skilled trades03:40 Why I would advise young people to focus on trades or tech over college04:24 The evolving role of professionals in legal, accounting, and staffing fields05:39 The current state of automation in skilled trades versus entry-level office jobs06:25 The resilience of skilled trades compared to other sectors07:14 Advice for those mechanically inclined or interested in trades08:05 Overhyped trends in electric vehicles and AI advancements09:00 The potential for automation in auto manufacturing and mobility10:15 Shifting career advice for young people in the current market11:00 The importance of physical skills and mechanical aptitude11:56 The opportunities in trades and service industries12:41 The need for a balanced perspective on AI and automation13:48 Focus on what you can control and personal development14:29 Practical steps for career planning and skill development15:25 Final thoughts and encouragement for viewers to adapt and thrive

Iran War Day Four_ Shifting US Narratives At Skepticism Grows by Ron Paul Liberty Report

In this episode, Professor AG talks about a spontaneous trip to Jamaica that felt deeply guided and anything but random. She reflects on what it means to finally experience the fruits of choosing the hard thing, especially when an older version of herself would have avoided the discomfort, and reminds us that if we are not seeing the payoff yet, it is still unfolding. She explores how our higher self is always communicating with us and how presence is the key to hearing it. It's a reminder to trust the guidance you're receiving and move with life instead of against it. Links from this episode -Daily somatic classes to regulate your nervous system.  Start your FREE trial today.-The Artist's Way by Julia Cameron-Five-star weekend byEllen Hildebrand-Hotel Nantucket by Ellen Hildebrand-My favorite cacao / Another Fave / And Another  Timestamps 00:00 Embracing Change and New Beginnings08:30 Navigating Life's Unexpected Twists17:02 Celebrating Life and Personal Growth21:30 The Dance of Manifestation26:27 The Power of Travel and Novelty32:38 Balancing Structure and FreedomKeywords: spiritual awakening, intuition, manifestation, Jamaica trip, personal growth, somatic healing, dance therapy, cosmic energy, authenticity, life transformationWhat is AGU? After launching an energy work practice rooted in the Akashic Records, AG uncovered so much information that she needs the world to hear! It's her duty and personal mission to help people get in touch with their intuition and energetic gifts, and ultimately become the brightest and boldest version of themselves! This is your official acceptance letter: WELCOME TO AG UNIVERSITY! Daily somatic classes to regulate your nervous system.  Start your FREE trial today.AG's Energetic Protection CoursesAG's Book Club How To Read The Akashic Records CourseSign up for the newsletter if you are interested in doing a reading with Anna Grace, or learning more about her energy work practice. Sessions will ONLY become available here - her booking link will never be shared on any other platforms: Sign up hereIf you aren't already - you can connect with AG on Instagram and TikTok: @annagracenewell on all platforms! XO

We know that it's hard to delay gratification, but reframing the short-term cost from 'a sacrifice' to 'an investment' helps you make good choices more consistently.Was this helpful? If so then you need to check out the 7 Fundamentals Of Self Improvement which features short summaries of the most popular and impactful episodes from the past 7 years.Takes only 5 minutes to read through them today but it'll help you avoid years of making things so much harder than they need to be. Plus, I bet you'll be surprised to learn what they are...

The conversation continues for our Supporters! These Spotlights offer the first word, and then it's your turn. Become a Supporter of the Real Science of Sport by making a small monthly pledge, and get access to our world-famous, and very stimulating, Discourse community!Show notesThis week's show kicks off in London, where Ross recently attended World Rugby's Annual Shape of the Game meeting. he shares some insider insights on topics including law change in the sport, what fans want, and the tensions rugby bosses are facing to grow the game. Staying on rugby, we discuss head injury management, after a few stories popped up in the world of rugby. In the first, a player was allowed to continue playing by the team doctor, but the referee stepped in to have the player removed with a concussion. In the second, a player admitted to 'cheating' the Head Injury Assessment screen back in 2017 to keep playing with a concussion. We discuss whether Rugby's policies to manage head injuries are working?Shifting gears, we return to the snow of Milan Cortina, as Gareth noticed some interesting discussion about cross-country skiing, and whether 50km was too long because of the challenges it creates for athletes who run out of fuel. We talk about "hitting the wall", and the truth about how our bodies use carbohydrates versus fat during endurance exercise.Then we talk doping. First, the UCI have asked its Testing Agency to catch a big name doper, with a feeling that the absence of positive tests isn't necessarily indicative of a clean sport, and their desire to catch a higher level rider apparently reflecting that realization. Staying on doping, Tara Moore is suing the WTA for $20 million after a series of bans, appeals and eventual bans for doping that she believes was inadvertently caused by meat contamination.Our final doping conversation comes from Athletics, where a Member asks whether the records should be reset when they are suspected of being the result of doping. This would particularly affect the Women's record books. We discuss that, offering some insights into how they might justify the removal of some, but not all records, and whether it can feasibly be done.And finally, there was drama in the USA last weekend, where race leaders followed the lead car off course, and eventually lost podium spots and prize money. Calls to award those athletes the prize money and places at the World Champs have been growing in volume, and we discuss why the logical solution is not all that tricky, despite the letter of the law standing in the way.LinksAnthony Watson admits to cheating the Concussion protocols to continue playingI mentioned the World Rugby Player Welfare Symposium, it's next week (9 to 11 Mach), it's online and it's free to everyone. Here are the details and programmeSexias power analysis - these guys generally get it pretty closeCycling is looking to catch a big name doper, according to the NYTTara Moore's case against the WTAKeely Hodgkinson's interview with The TimesVideo of athletes going the wrong way in Atlanta Hosted on Acast. See acast.com/privacy for more information.

On the podcast: how Tinder's ML-powered paywalls drove millions in new revenue, the art of selling features à la carte without killing subscription revenue, and why Tinder Select flopped despite users saying they'd pay for it.This conversation is shorter than usual and will be featured in RevenueCat's State of Subscription Apps report. Each episode in this series will explore one crucial topic and share actionable insights from top subscription app operators.Top Takeaways:

Welcome to Season 8 of Sal Silvester on the Future of Leadership - The Transformation Season. The pace of change is accelerating. AI. Technological disruption. Shifting workplace expectations. Entire business models evolving in real time. The question for leaders is no longer whether change is happening — it's: How do I scale my leadership at the same pace as the world around me… and stay grounded while performing at my highest level? In this opening episode, Sal kicks off the season with a solo conversation focused on one of the most critical leadership capabilities of our time: navigating change from the inside out. Before welcoming this season's guests - including wellness pioneer Udo Erasmus, performance psychologist Dr. Bobby Low, organizational psychologist Melissa Doman, and others - Sal lays the foundation with three practical tools to help you better understand: How people actually respond to change The neuroscience behind resistance, fear, and uncertainty A simple framework to lead yourself - and others - through transition with clarity and composure Transformation isn't just about strategy. It's about identity. It's about rewiring how we think, respond, and lead when the ground beneath us shifts. If you're a growth-minded leader who wants to elevate human performance - starting with your own - this season is for you.

President Trump says he foresees an Iran war extending four weeks or more, while the White House offers conflicting justifications for military action. The Pentagon readies for inevitable American casualties. And midterm primaries begin in Texas, Arkansas and North Carolina. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The U.S.'s war with Iran has entered its fourth day. The Trump administration has given several reasons for initiating attacks on Iran. All of them are coming under scrutiny. WSJ's Alex Ward discusses the intelligence President Trump is using for his case for war and explores the challenges ahead. Ryan Knutson hosts. Further Listening: - What's Next for Iran? - U.S. and Israel Attack Iran Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the most powerful thing you could do in your career was simply trust your gut—and voice? In this episode of Thrive Loud, bestselling author and communication expert Karen Laos reveals how a lesson learned at age six—and a mortifying boardroom moment—set her on a mission to empower professionals to own their value and speak with confidence that gets noticed.Host Lou Diamond dives deep with Karen Laos into the nuances of effective communication, including why many leaders unknowingly silence themselves, how to balance authority and likability, and the surprisingly simple trick to stop rambling and get to the point. Karen shares the story behind her book, Trust Your Own Voice, and offers practical tips for conquering self-doubt, breaking the “data dump” cycle in presentations, and adapting to today's multigenerational workplace culture.You'll also hear:Karen's childhood flea market negotiation lessons and their lasting impact (01:50)The importance of asking yourself for permission, not just others (04:28)How tone, punctuation, and facial expressions shape your ability to connect (07:01)Real-world strategies to make your presentations audience-focused (17:37)Karen's top tip for curing “rambling syndrome” (19:52)A fun trek through Karen's favorite movies, music, food, and dream destinations (21:55)Whether you're a seasoned leader or a rising professional, this episode is packed with actionable insights to help you speak up, stand out, and thrive.Episode Timestamped Overview:00:02: Welcome and introduction to Karen Laos01:50: Karen's childhood lessons and early influences02:27: A boardroom defining moment and trusting your gut04:28: The concept of asking yourself for permission07:01: Voice tone, punctuation, and likability in communication09:45: Warmth vs. assertiveness: balancing authority and likability11:16: Multi-generational workplace challenges14:56: The biggest communication challenge leaders face today17:37: Shifting presentations from information dumps to audience needs19:52: Simple tip for stopping rambling21:55: Fun Street: movies, music, food, activities, dream destinations26:00: Karen's mission to empower 10 million women26:53: Closing thoughts and gratitude

In this soulful, intuitive flow, I'm taking you behind the scenes of my most transformative season yet. After navigating a profound "death portal"—the heartbreaking end of a three-year relationship—I'm sharing how I moved through the depths of grief and insomnia to emerge into a radiant rebirth in Costa Rica.We dive deep into the power of listening to your body's "whispers," the courage it takes to let go of "good" to make room for "great," and how leaning into pleasure and play can actually accelerate your manifestations. Whether you're currently in the thick of a life transition or feeling the call to leap into your next identity, this episode is a reminder that your magic is waiting on the other side of your surrender.Themes:SPECIAL OFFER:

For the first time in over a decade, I'm actively chasing status in multiple loyalty programs—and it's a major shift from my usual points strategy.   Historically, status hasn't been a focus for me beyond Hyatt Globalist. But this year, I'm pursuing top-tier or near top-tier status in four programs: Hyatt Globalist, Bilt Platinum, Air France Flying Blue Platinum, and American Airlines Platinum Pro. Listen in as I walk through why these specific statuses suddenly jumped to the top of my priority list, what benefits justify the effort required to earn them, and my exact plan for qualifying for each one.   I also share the four key questions to ask yourself before chasing any status, because the reality is that you don't need status to have a successful award travel experience. From understanding opportunity costs to accessing status benefits through credit cards instead, this episode covers how to evaluate whether pursuing status actually makes sense for your travel style and goals.   Whether you're considering your own status strategy for the year or feeling confident about not chasing status at all, this episode will help you think strategically about how loyalty program status fits into your points plan.   Get full show notes and transcript: https://pointmetofirstclass.com/2026-loyalty-status-strategy    Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of!    Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy  

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

Hey team! This week I'm talking with Dani Donovan, a neurodivergent artist and designer whose ADHD comics have been shared all over the internet. Dani holds a BFA in Visual Communication and Design and is the creator of The Anti-Planner. She's spent years as an advocate for neurodivergence, using her background in design to simplify those complicated, invisible daily struggles we all face. In our conversation today, we're diving into why traditional planners often feel like they never work how we want them to and how we can transition into a "toolbox" mindset instead. We explore the concept of "anti-shame" tactics and how to stop using mean-spirited self-motivation. Dani shares some of her favorite hacks for the mundane stuff, like an "Inbox Sprint" for tackling email debt and some unconventional strategies, including how she uses "worst drafts" and even Magic: The Gathering packs to keep herself moving. Check Out the Anti-Planner: https://www.anti-planner.com/ If you'd life to follow along on the show notes page you can find that at HackingYourADHD.com/277 YouTube: https://tinyurl.com/y835cnrk Patreon: https://www.patreon.com/HackingYourADHD This Episode's Top Tips We often beat ourselves up for "failing" to use a planner reliably after three months, but the reality is that our brains stop responding to the same stimuli once the novelty wears off. Instead of trying to find the one system you'll use forever, you can try building a "toolbox" of multiple strategies. Executive dysfunction isn't a monolith; it's a collection of specific emotional roadblocks like being intimidated, over-committed, or paralyzed by perfectionism. Approaching every task with a standard to-do list is like trying to use a hammer on a screw; it's the wrong tool for the specific resistance you're facing. By identifying the specific flavor of your resistance first, you can choose a tool designed to dismantle that exact barrier. Many of us have spent a lifetime using "mean" self-talk as a primary motivator because getting in trouble was the only thing that worked in the past. However, shame is a paralyzing emotion that actually increases avoidance. Shifting to an objective, "engineering" mindset allows you to view a failure not as a character flaw, but as a data point . Asking "Why did this fail?" instead of "Why am I like this?" allows you to troubleshoot the system rather than blaming the person.